well i start a job on monday but i dont have a bank account. Do you think they will allow my pay too go into my dads account ?
Answer1:They will pay your wages in any account you provide the details too. Most employers have no problem with this at all.
Answer2:Of course. Theyll put the money in whatever account you wish. Might be a good idea to open your own account now youre working x
Answer3:Some employers are a bit arsey about this. most will say its fine but ive had a few interviews where theyve said its got to be my name. um, if you go to halifax they can open up a cash account for you. all you need is one proof of your address and a birth certificate. You cant use chip and pin with the account, you can only take money out of a hole in the wall but its good if you need something quick
Answer4:It would be easier to open your own account then you can be sure what earnings are yours and what earnings are your dads. If you are under age you can open a joint account with your father that you both have access to. Thats how i started out. To answer your question absolutely they would allow the pay to go to your dads account as long as you provide the information such as account number and all of that but i strongly suggest getting your own account so you can control your own money and when you get it. It seems like it would be a hassle asking your dad to withdraw money everytime you need it. I suggest a simple checking/debit account that way you get a debit card and can make purchases without cash! Good Luck at your new job and with your account!
Thursday, January 22, 2009
Tuesday, January 20, 2009
Do I owe my bank money Respond quicckk plz
Ok, I had an unplanned overdraft about 3 weeks ago, I put money in and it sorted it out, and repaid the customers, do i now owe the bank some money for the time I was overdraft? How is it paid, i dont need to know how much i owe them. Also, Its an under 18s Lloyds TSB account., thanks
Answer1:Call your bank!
Answer2:Ask the bank, obviously.
Answer3:Of course you do. When you opened your account you signed papers agreeing to that. The amount should be on your last statement or the one soon to arrive.
Answer4:Hi. You said its an uner 18s account so Im assuming youre under the age of 18? If you are then technically its illegal for the bank to charge you. So IF they do then Id go in and query it. Also, if you pay the money in before close of business (4.00pm) on the day that you go overdrawn then you wont be charged. If youve been charged they should send you a letter out stating that youve been charged, how much youve been charged and when the charge will come out of your account (its an automatic thing- the bank staff dont do it). I would ring the call centre for your bank, ask them if their are any charges pending on your account. Theyll be able to tell you straight away. If there is and your under 18 then like i said, go query it with them- they shouldnt be taking it. Goodluck!
Answer1:Call your bank!
Answer2:Ask the bank, obviously.
Answer3:Of course you do. When you opened your account you signed papers agreeing to that. The amount should be on your last statement or the one soon to arrive.
Answer4:Hi. You said its an uner 18s account so Im assuming youre under the age of 18? If you are then technically its illegal for the bank to charge you. So IF they do then Id go in and query it. Also, if you pay the money in before close of business (4.00pm) on the day that you go overdrawn then you wont be charged. If youve been charged they should send you a letter out stating that youve been charged, how much youve been charged and when the charge will come out of your account (its an automatic thing- the bank staff dont do it). I would ring the call centre for your bank, ask them if their are any charges pending on your account. Theyll be able to tell you straight away. If there is and your under 18 then like i said, go query it with them- they shouldnt be taking it. Goodluck!
Laws protect the crdeit union over normal banks like wachovia, first national, rbc centura, etc
im doing some research and i was wondering what kinds of laws protected the credit union over normal banks because Ive noticed that it hasnt had a merger like wahovia has recently had.thanks:)
Answer1:Credit Unions are member owned. The Credit Union I belong to was bought out by another credit union about two years ago. They are governed by a Board Of Directors that are elected.n
Answer1:Credit Unions are member owned. The Credit Union I belong to was bought out by another credit union about two years ago. They are governed by a Board Of Directors that are elected.n
Savings account subject to (n) compounding yearly A=P(1+rn)^nt
Amount Invested, 12,500Number of compounding periods, 4Annual Interest Rate, 5.75%Accumulated Amount, 20,000Time in years (t) = What
Answer1:Why not pay a tutor to teach you how to do this problem? Or, maybe ask your teacher instead of trying to get your homework done here?
Answer2:forex-http://tradingsolution.org/
Answer3:What makes this problem difficult is the algebra to find T. I used and excel spreadsheet and iteration to find t20000=12,500(1+.0575/4)^(4*8.23259)A=P(1+r/n)^ntJoseph, MBAmbacalculator.comPlease review MBA Calculator that has a great deal of software to solve thest problems
Answer1:Why not pay a tutor to teach you how to do this problem? Or, maybe ask your teacher instead of trying to get your homework done here?
Answer2:forex-http://tradingsolution.org/
Answer3:What makes this problem difficult is the algebra to find T. I used and excel spreadsheet and iteration to find t20000=12,500(1+.0575/4)^(4*8.23259)A=P(1+r/n)^ntJoseph, MBAmbacalculator.comPlease review MBA Calculator that has a great deal of software to solve thest problems
Can ex take the money legally
My ex and I have a joint savings account, we split well over a year ago but he has left me with all the joint debts and disappeared. Im now having my wages paid into my saving account because my current account is in a huge state due to debt. My credit history is that bad I cannot open another bank account. The savings account is in both our names, Im the main account holder what I would like to know is can he legally take money or transfer money from this account?Thanks in advance
Answer1:If its a joint account yes he can. get your bank to change it today.not sure if you could say hed stolen it but he could get hold of it.
Answer2:If his name is still on the account he is part owner of it and can do anything with that account that you can. If you are divorced and all your assets have been divided it might be illegal for him to take it but if he did take it would you be willing to fight for it? Even though it would be illegal for him to take it, if his name is still on the account he still has access to it. I suggest putting it into another account that he cant touch or giving it to a very trusting friend or relative to put in their account.
Answer3:yes! You need to make alternative arrangements ASAP!!Speak to the bank where you have your joint account, and also to your employer - or any day now you will find yourself missing a months wages.Doesnt matter whether it is legal or not, he will do it.
Answer4:yes, you really need to have separate accounts...you need to take legal action to get him to pay his share without letting him have access to your money
Answer5:If it is a joint account on which you both have signing authority and only need one signature then yes.If it requires both signatures then no.aa
Answer6:You CAN get another bank account even if you have a poor credit rating. All the major banks have basic accounts which anyone can open as long as they do not have a record of fraud. They dont offer credit, so credit rating doesnt come into it. You wouldnt get an overdraft or chequebook, but you could have your direct debits/standing orders and cashcard. If you specifically ask for a basic account and can prove your identity, the bank have no grounds for turning you down. This link shows the features of all basic bank accounts so you can compare - and make sure you ask for the account by name when you visit the branch.http://www.moneymadeclear.fsa.gov.uk/HTM...About your debts - I recommend you contact National Debtline, which is a free and confidential debt advice charity and can take you through your options. Website nationaldebtline.co.uk, telephone 0808 808 4000.
Answer7:I suggest you speak to your bank ASAP, dont delay.
Answer1:If its a joint account yes he can. get your bank to change it today.not sure if you could say hed stolen it but he could get hold of it.
Answer2:If his name is still on the account he is part owner of it and can do anything with that account that you can. If you are divorced and all your assets have been divided it might be illegal for him to take it but if he did take it would you be willing to fight for it? Even though it would be illegal for him to take it, if his name is still on the account he still has access to it. I suggest putting it into another account that he cant touch or giving it to a very trusting friend or relative to put in their account.
Answer3:yes! You need to make alternative arrangements ASAP!!Speak to the bank where you have your joint account, and also to your employer - or any day now you will find yourself missing a months wages.Doesnt matter whether it is legal or not, he will do it.
Answer4:yes, you really need to have separate accounts...you need to take legal action to get him to pay his share without letting him have access to your money
Answer5:If it is a joint account on which you both have signing authority and only need one signature then yes.If it requires both signatures then no.aa
Answer6:You CAN get another bank account even if you have a poor credit rating. All the major banks have basic accounts which anyone can open as long as they do not have a record of fraud. They dont offer credit, so credit rating doesnt come into it. You wouldnt get an overdraft or chequebook, but you could have your direct debits/standing orders and cashcard. If you specifically ask for a basic account and can prove your identity, the bank have no grounds for turning you down. This link shows the features of all basic bank accounts so you can compare - and make sure you ask for the account by name when you visit the branch.http://www.moneymadeclear.fsa.gov.uk/HTM...About your debts - I recommend you contact National Debtline, which is a free and confidential debt advice charity and can take you through your options. Website nationaldebtline.co.uk, telephone 0808 808 4000.
Answer7:I suggest you speak to your bank ASAP, dont delay.
Monday, January 19, 2009
Are you really saving any money at the Supermarket
I am in favor of savings, discounts and any free stuff I can get but this just makes me mad when some supermarket stores poke my eyes with lies like this. Please go to this link below and find out for yourself...http://www.cbsnews.com/stories/2003/01/2...
Answer1:In my case, yes, because I shop at three different stores (two with cards, one without) and know whats cheapest at each store. Its silly to say you can save money by just not shopping at the stores that have cards--you save money by comparison shopping and buying the best deals at a variety of stores. Sometimes the card stores are cheaper for the brands you want than the non-card stores. For instance, I buy Rice-a-Roni for $1/box at one of the card stores because the non-card store sells it for $1.25/box since their store brand is $1.00. I dont like the store brand, so its a worse deal for me.
Answer2:Saving money isnt a one step process. I do save money using my store cards... because I have a store card for everywhere it seems. Plus, I combine store special prices with coupons.No, not everything on sale in a certain store costs less than at the next store, but if you play your cards right, take the time to read fliers and use coupons, you can always save money.Plus shopping local helps... my local store has good sales on certain items that rotate... always something new. Chain stores are a disgrace, fooling customers, screwing their employees, and just rolling in the dough of stupid people who think theyre bargain shopping.Walmart is the biggest offender of this!
Answer1:In my case, yes, because I shop at three different stores (two with cards, one without) and know whats cheapest at each store. Its silly to say you can save money by just not shopping at the stores that have cards--you save money by comparison shopping and buying the best deals at a variety of stores. Sometimes the card stores are cheaper for the brands you want than the non-card stores. For instance, I buy Rice-a-Roni for $1/box at one of the card stores because the non-card store sells it for $1.25/box since their store brand is $1.00. I dont like the store brand, so its a worse deal for me.
Answer2:Saving money isnt a one step process. I do save money using my store cards... because I have a store card for everywhere it seems. Plus, I combine store special prices with coupons.No, not everything on sale in a certain store costs less than at the next store, but if you play your cards right, take the time to read fliers and use coupons, you can always save money.Plus shopping local helps... my local store has good sales on certain items that rotate... always something new. Chain stores are a disgrace, fooling customers, screwing their employees, and just rolling in the dough of stupid people who think theyre bargain shopping.Walmart is the biggest offender of this!
What39;s your average net income
just need some stats, thanks
Answer1:Like mine? or what? ummm lol idk i dont really have a steady job...howabout last person gets best answer? plz plz plz? lol ♥
Answer2:Google US censusI think I saw the average salary per household is 42K/year. /
Answer1:Like mine? or what? ummm lol idk i dont really have a steady job...howabout last person gets best answer? plz plz plz? lol ♥
Answer2:Google US censusI think I saw the average salary per household is 42K/year. /
How can i make easy money being a minor
So far I only found too sites that i received money from, the first one is a survey site and the second one is a PTC site. I do these sites during free time to make extra cash. Both sites are free to join!http://www.inboxdollars.com/?r=ref423159...http://jillsclickcorner.com/members/regi...
Answer1:Heres a response from OldBuddy:[Quote]Im sure theyre not the only ones either, just the most popular. If you think about what they do it should be obvious to anyone who takes part in the rip off. Oh Im not saying they cheat the people who join, of course they wouldnt do that! The scam is perpetrated against the poor advertiser that is offering a nice bonus for people to try their product or service. These are honest businessmen and women who are just trying to make an honest buck and are willing to give in order to receive. So along comes CashCrate and TreasureTrooper to exploit them, just like Fagin in Oliver Twist (http://en.wikipedia.org/wiki/Oliver_Twis... ). Instead of picking up street orphans to train as pickpockets, they find Internet Surfers and train them instead. They teach them to sign up for theses offers and just before they have to pay, cancel everything and bring the money back to CashCrate and TreasureTrooper so you can keep a share. Who do you think is making all the MONEY???? Just like Fagin, they have everyone scrambling to get a piece of the ill gotten gains.[Unquote]Good luck!P.S. This also applies to InboxDollars!
Answer1:Heres a response from OldBuddy:[Quote]Im sure theyre not the only ones either, just the most popular. If you think about what they do it should be obvious to anyone who takes part in the rip off. Oh Im not saying they cheat the people who join, of course they wouldnt do that! The scam is perpetrated against the poor advertiser that is offering a nice bonus for people to try their product or service. These are honest businessmen and women who are just trying to make an honest buck and are willing to give in order to receive. So along comes CashCrate and TreasureTrooper to exploit them, just like Fagin in Oliver Twist (http://en.wikipedia.org/wiki/Oliver_Twis... ). Instead of picking up street orphans to train as pickpockets, they find Internet Surfers and train them instead. They teach them to sign up for theses offers and just before they have to pay, cancel everything and bring the money back to CashCrate and TreasureTrooper so you can keep a share. Who do you think is making all the MONEY???? Just like Fagin, they have everyone scrambling to get a piece of the ill gotten gains.[Unquote]Good luck!P.S. This also applies to InboxDollars!
Were is a safe and reconizable place to get an unsercured loan
i am after a loan but want to know its safe and legal anyone recomed anywhere i live in rented housing and work full time.
Answer1:Hello Everybody,my name is Jason Phillips,a U.S based graduate.i know of a good money lender who loans at a minimum interst rate of 2%.He happens to be Mr.John Clarke.he is the person i owe all gratitude because he gave me loan of $50,000 to fund my education for a duration of 10yrs.So please if you want anything like loan please do well to contact him at clarkeloanscompany@yahoo.com
Answer2:WE ARE A FINANCIAL COMPANY THAT RENDER LOAN SERVICES….. I am Mr. Donald George (CEO) of Donald Micro Finance Company; we offer all kinds of loans with different currencies, I’m a registered and accredited loan lender that give out loan to loan seeker at the below loan interest rate, interested person should contact us with our company e-mail below, We offer loans at low interest rate of 2% just to help you with the loan; our services are flexible, within a short period of time your loan will be infected to your bank account, You can contact us with our company e-mail address below, We await your contact….. Donald George (CEO) Donald Micro Finance Company E-mail: donald_microfinance@yahoo.com Contact us via e-mail…. Thanks for your patronage
Answer3:Getting an unsecured personal loan from a bank or another source is a much better option than getting caught up in the credit card game.http://www.worldbestloans.com/personallo...Personal loans are available for any purpose. Although there are still personal bank loans available from many sources, they are not as prevalent as they used to be.
Answer1:Hello Everybody,my name is Jason Phillips,a U.S based graduate.i know of a good money lender who loans at a minimum interst rate of 2%.He happens to be Mr.John Clarke.he is the person i owe all gratitude because he gave me loan of $50,000 to fund my education for a duration of 10yrs.So please if you want anything like loan please do well to contact him at clarkeloanscompany@yahoo.com
Answer2:WE ARE A FINANCIAL COMPANY THAT RENDER LOAN SERVICES….. I am Mr. Donald George (CEO) of Donald Micro Finance Company; we offer all kinds of loans with different currencies, I’m a registered and accredited loan lender that give out loan to loan seeker at the below loan interest rate, interested person should contact us with our company e-mail below, We offer loans at low interest rate of 2% just to help you with the loan; our services are flexible, within a short period of time your loan will be infected to your bank account, You can contact us with our company e-mail address below, We await your contact….. Donald George (CEO) Donald Micro Finance Company E-mail: donald_microfinance@yahoo.com Contact us via e-mail…. Thanks for your patronage
Answer3:Getting an unsecured personal loan from a bank or another source is a much better option than getting caught up in the credit card game.http://www.worldbestloans.com/personallo...Personal loans are available for any purpose. Although there are still personal bank loans available from many sources, they are not as prevalent as they used to be.
Whats a Quick way to get money
I need some money, and i havent got a job.. im 14 and I need some like.. Quick money!!! any ideas? x
Answer1:I think most people are looking for that answer
Answer2:There is no quick way -seriously otherwise wed all be doing it. Anyway there are efficient ways. Im taking time to help you out here as well as to consider your age:1. offline - odd jobs such as cleaning, baby / adult sitting for people.2. set up a store online and sell items in batches - not bits and bobs!3. join affilliate programs - good ones that pay out over £5 at least.And Ill be real here - avoid taking surveys for money (online) - it does not happen the way youd expect - some even want you to buy a $48.99 dollar package to help you take surveys - doesnt make sense. Even if they dont charge it takes long to earn real money.
Answer3:DONT YOU THINK THAT IF THERE WAS A QUICK WAY TO GET MONEY THAT WE ALL WILL BE AS RICH AS GATES???YOU ARE 14...LET ME THINK...ASK YOUR PARENTS!!!
Answer4:sell something ?sell on ebay ?ask your parents or relatives,nicely?do baby sitting for someone?really depends how much you need and how quickly
Answer5:Become a Prostitute :)
Answer6:Hiya Honey !How about baby-sitting for family, or asking neighbours if theres any odd-jobs (shopping etc) that theyll pay you to do?Oh - and Ive reported Joshua W for that answer - there was no need for it !
Answer7:stock exchange xD
Answer8:Steal some or marry a billionaire. Oh! And if you have someone over the age of 18 who can help, have them purchase lotto tickets for you.
Answer1:I think most people are looking for that answer
Answer2:There is no quick way -seriously otherwise wed all be doing it. Anyway there are efficient ways. Im taking time to help you out here as well as to consider your age:1. offline - odd jobs such as cleaning, baby / adult sitting for people.2. set up a store online and sell items in batches - not bits and bobs!3. join affilliate programs - good ones that pay out over £5 at least.And Ill be real here - avoid taking surveys for money (online) - it does not happen the way youd expect - some even want you to buy a $48.99 dollar package to help you take surveys - doesnt make sense. Even if they dont charge it takes long to earn real money.
Answer3:DONT YOU THINK THAT IF THERE WAS A QUICK WAY TO GET MONEY THAT WE ALL WILL BE AS RICH AS GATES???YOU ARE 14...LET ME THINK...ASK YOUR PARENTS!!!
Answer4:sell something ?sell on ebay ?ask your parents or relatives,nicely?do baby sitting for someone?really depends how much you need and how quickly
Answer5:Become a Prostitute :)
Answer6:Hiya Honey !How about baby-sitting for family, or asking neighbours if theres any odd-jobs (shopping etc) that theyll pay you to do?Oh - and Ive reported Joshua W for that answer - there was no need for it !
Answer7:stock exchange xD
Answer8:Steal some or marry a billionaire. Oh! And if you have someone over the age of 18 who can help, have them purchase lotto tickets for you.
Whats the difference between account balance and available funds
Commonwealth NetbankVisaAccount balance. Available funds$96.24 $248.93My visa limit $500.Do I only really have $96.24? its been like this for 2 days whats up?
Answer1:The account balance is the amount of money in the account that you are looking at.Available funds is the amount of money in all of your accounts with this bank combined.Ex:Checking Account Balance = $50.00Savings Account Balance = $50.00Vacation Club Account Balance = $50.00Available Funds = $150.00
Answer1:The account balance is the amount of money in the account that you are looking at.Available funds is the amount of money in all of your accounts with this bank combined.Ex:Checking Account Balance = $50.00Savings Account Balance = $50.00Vacation Club Account Balance = $50.00Available Funds = $150.00
How do I move an IRA from one bank to another
Id like to move my already existing Roth IRA account from one institution to another, Scottrade to Etrade for convenience. How do I do this?
Answer1:Call Etrade and ask them. Theyll be happy to explain the process.
Answer2:Get the forms from the website.
Answer3:Call etrade and they will handle the entire process. You should not have to do anything but ok the transaction.
Answer1:Call Etrade and ask them. Theyll be happy to explain the process.
Answer2:Get the forms from the website.
Answer3:Call etrade and they will handle the entire process. You should not have to do anything but ok the transaction.
Thursday, January 15, 2009
I figured out a way to spend money without even wasting a dime
I figured out a way to spend money without even wasting a dime of my money. I no my moms wachovia pin number! All I have to do is take it on saturday, spend $60 at the mall. and then wear the clothes and stuff i bought to school. Only problem is I dont wanna get caught, Im not so sure if when using a bank debit card will tell or show the debit card holder what they bought, like say I buy stuff, will the bank company mail or call my mom showing her ho much money she spend and what she bought? I dont wanna get caught.
Answer1:Youll get caught the second your mom looks at her bank statement.
Answer2:The bank statement will itemize all transactions made on the account. You wont get away with it for long.
Answer3:youre stealing money from your own mother?! how sick are you, you little...When she sees her transaction history and sees what you bought, I hope she cuts your little fingers off. Or better yet, never does anything for you ever again.
Answer1:Youll get caught the second your mom looks at her bank statement.
Answer2:The bank statement will itemize all transactions made on the account. You wont get away with it for long.
Answer3:youre stealing money from your own mother?! how sick are you, you little...When she sees her transaction history and sees what you bought, I hope she cuts your little fingers off. Or better yet, never does anything for you ever again.
Tuesday, January 13, 2009
Question for anyone with a 401K
At my job we are given a 4% COLA increase every year.Im eligible to start paying into our 401K, of which my company matches up to 3%.My boss told me if I took this option, my next raise would only be 1% to "balance it out". Im new to all this, is that normal? Or am I being jipped?
Answer1:No its not normal and your boss is just trying to rationalize why he doesnt want to give you a higher raise. I have almost the same set up at my company and my raise is seperate from my company bonus match.
Answer2:Ive never heard of a COLA raise being offset by 401k matching. If your company has a Human Resources Dept, check with them.Even if it is true, go with the 401k.
Answer3:Number one your boss may not know what he or she is talking. I work in Benefits and I have never heard of a company not giving you a raise because you choose to be in the 401(k).Go talk to the person that handles your benefits and if that is your boss ask to see the Plan Booklet.
Answer4:No, that is not "normal," although it may be standard practice at your company. I would suggest talking to other employees at your company and/or you HR department.
Answer1:No its not normal and your boss is just trying to rationalize why he doesnt want to give you a higher raise. I have almost the same set up at my company and my raise is seperate from my company bonus match.
Answer2:Ive never heard of a COLA raise being offset by 401k matching. If your company has a Human Resources Dept, check with them.Even if it is true, go with the 401k.
Answer3:Number one your boss may not know what he or she is talking. I work in Benefits and I have never heard of a company not giving you a raise because you choose to be in the 401(k).Go talk to the person that handles your benefits and if that is your boss ask to see the Plan Booklet.
Answer4:No, that is not "normal," although it may be standard practice at your company. I would suggest talking to other employees at your company and/or you HR department.
What to do when u loose your debit card 92;S can someone get into your account with it
Just need to know because i am still looking for it but am not so sure if i will get it back , therefore i would like to know this & i do have my signature on the back of it ....
Answer1:Yes, and you can have your identity stolen. Cancel it right away.
Answer2:call the bank right away!tell them to cancel that one and they can send u a new one in the mailpeople will not nessicarily be able to get your money since u have a PIN, but they can still do identity theft and stuff
Answer3:You should have called your bank as soon as it was missing. That way, no one could be using it. Call your bank now if youre sure you didnt misplace it at home. (check your purse, all clothing pockets, bedroom, car, etc. I hope you find it.
Answer4:You should also put it on fraud alert through Trans Union Fraud Dept. Their toll free # 1-800-680-7289. They will notify the other 2 bureau and must be renewed every 90 days in order to keep it active, Most banks are open 24/7 so you should cancel the card immediately. Better to be safe than sorry later.
Answer1:Yes, and you can have your identity stolen. Cancel it right away.
Answer2:call the bank right away!tell them to cancel that one and they can send u a new one in the mailpeople will not nessicarily be able to get your money since u have a PIN, but they can still do identity theft and stuff
Answer3:You should have called your bank as soon as it was missing. That way, no one could be using it. Call your bank now if youre sure you didnt misplace it at home. (check your purse, all clothing pockets, bedroom, car, etc. I hope you find it.
Answer4:You should also put it on fraud alert through Trans Union Fraud Dept. Their toll free # 1-800-680-7289. They will notify the other 2 bureau and must be renewed every 90 days in order to keep it active, Most banks are open 24/7 so you should cancel the card immediately. Better to be safe than sorry later.
Western Union does bad things
Does western union do fraudulent activity ?I sent $ 400 using my credit card, to a relative in another country via western union .He did not pick it up because he traveled abroad.After 2 months I called Western Union and they said they only keep the record for 45 days.Can you believe it?They keep the record of your money only for 45 days and then it goes to archive which is very hard to retrieve.They are giving me the run around to return my money.They said they will credit my card.They never did that.Maybe they are trying to swallow the money !!It looks like the system is based on trying to keep the money for themselves when it is not picked up.I am more concerned about the poor people who send money to their families.They are not very much literate or educated.Anybody has a solution or comment?
Answer1:A company does not stay in business for 156 years by ripping people off. You need to call them again if they have not credited your card. Also, sorry if this offends you, but you do not seem very literate yourself.
Answer2:Call your credit card company, let them help you. With the millions and millions of transactions the probably have to do what they are doing as, they have so much going on, they cant keep all records that current. You shoud of tried way earlier to get your money back.
Answer1:A company does not stay in business for 156 years by ripping people off. You need to call them again if they have not credited your card. Also, sorry if this offends you, but you do not seem very literate yourself.
Answer2:Call your credit card company, let them help you. With the millions and millions of transactions the probably have to do what they are doing as, they have so much going on, they cant keep all records that current. You shoud of tried way earlier to get your money back.
Monday, January 12, 2009
What is overdraft protection Do you pay for that
I thought overdraft protection was just tying your savings account to your checking.Please edify, elucidate, and englighten me.
Answer1:Overdraft protection is a type of instant pre-approved loan: if for any reason your accounts balance drops below zero (because of a check or an automatic payment or withdrawal), the bank still shells out the money for it (the check is not sent back as having "insufficient funds") and your account will have a negative balance.This negative balance is like an instant loan on which you pay interest as it it were a loan (and the interest is often higher, almost comparable with interest on cash advances on a credit card).There is usually a limit on the amount of overdraft you are allowed on the account.
Answer2:It could be any of checking/savings account or credit card from the same bank, or separate overdraft account (that charges interest and likely has an annual fee). If you use a credit card it would likely be considered a cash advance (for fee and interest).I would not know if any of those get you out of an overdraft fee, because you should never intentionally overdraft, and I have not accidentally done that for many years.
Answer3:Judy - Overdraft protection doesnt pertain to your savings account; its a checking account feature that essentially offers you a line of credit on your checking account in case you write checks that exceed your account balance.So if you have $10 in your account and write a check for $25, for example, you will not get charged for bouncing the check as long as you have overdraft protection.Banks do typically charge for overdraft protection, but it can cost significantly less than the bank might charge you for a bounced check. Fees differ - you ought to check with your own bank so you can make the best decision.Good luck!Stephanie Fiermanhttp://www.stephaniefiermanmarketingdail...http://www.stephaniefierman.com
Answer4:Overdraft Protection ~ this service will not have a monthly fee if you signed up for a promo that offers this as a free service for example: opening a Savings Account and linking it to your Checking Account for an Automatic Savings Plan.If you have an Overdraft Protection and your account incurs overdraft transactions they will not charge you $35.00 (amount varies) for every overdraft transaction that occurs in your account. If you have Overdraft Protection and they still charged you the overdraft fees call the bank because they might have charged you by mistake (this happened to me before) and have those overdraft charges credited back to your account. If you dont have overdraft protection and you have overdraft transactions that are around the amount of $5.00 below you can still ask the customer rep. to waive some of the overdraft charges since the amount that caused the overdraft was a nominal one.
Answer1:Overdraft protection is a type of instant pre-approved loan: if for any reason your accounts balance drops below zero (because of a check or an automatic payment or withdrawal), the bank still shells out the money for it (the check is not sent back as having "insufficient funds") and your account will have a negative balance.This negative balance is like an instant loan on which you pay interest as it it were a loan (and the interest is often higher, almost comparable with interest on cash advances on a credit card).There is usually a limit on the amount of overdraft you are allowed on the account.
Answer2:It could be any of checking/savings account or credit card from the same bank, or separate overdraft account (that charges interest and likely has an annual fee). If you use a credit card it would likely be considered a cash advance (for fee and interest).I would not know if any of those get you out of an overdraft fee, because you should never intentionally overdraft, and I have not accidentally done that for many years.
Answer3:Judy - Overdraft protection doesnt pertain to your savings account; its a checking account feature that essentially offers you a line of credit on your checking account in case you write checks that exceed your account balance.So if you have $10 in your account and write a check for $25, for example, you will not get charged for bouncing the check as long as you have overdraft protection.Banks do typically charge for overdraft protection, but it can cost significantly less than the bank might charge you for a bounced check. Fees differ - you ought to check with your own bank so you can make the best decision.Good luck!Stephanie Fiermanhttp://www.stephaniefiermanmarketingdail...http://www.stephaniefierman.com
Answer4:Overdraft Protection ~ this service will not have a monthly fee if you signed up for a promo that offers this as a free service for example: opening a Savings Account and linking it to your Checking Account for an Automatic Savings Plan.If you have an Overdraft Protection and your account incurs overdraft transactions they will not charge you $35.00 (amount varies) for every overdraft transaction that occurs in your account. If you have Overdraft Protection and they still charged you the overdraft fees call the bank because they might have charged you by mistake (this happened to me before) and have those overdraft charges credited back to your account. If you dont have overdraft protection and you have overdraft transactions that are around the amount of $5.00 below you can still ask the customer rep. to waive some of the overdraft charges since the amount that caused the overdraft was a nominal one.
How can we earn money online
How can we earn money online ?I have seen many Sites for online earning but all sites want money before giving work but i want free online work i dont want to invest. so can you tell me how can i earn money without investment .
Answer1:Earn money by using your computer. Easy part-time job for students, teens, and moms. Yes! You will be paid. Ive gotten 14 checks so far. You will get paid by check sent to your address.http://sites.google.com/site/holidaydebt...
Answer2:Whats great is that you dont have to spend any new money these days to start.
Answer3:You can become a guide for Cha Cha.www.chacha.com
Answer4:you can give some videos to youtube.com and earn money
Answer5:why dont u try ebay?
Answer6:The Spiderweb Marketing system is the hottest new, cutting-edge system in the Network Marketing Industry. It was developed by experts after years of experience in MLM. Yet, the program is easy to learn. And most amazingly, its totally FREE to start.http://thespiderwebsystem.com/Traakon51i made this video to prove you that im getting payed by the companyand i show you how im making money online.http://www.youtube.com/watch?v=UXvSlr9TI...click this link to watch the video.and ask yourself something,would you rather spend hours searching a good way to make money at Yahoo Answers or you could see a 10 minute video and you might find a real opportunity to make money online.
Answer7:www.ebay.co.in
Answer8:its depend on your education or your knowledge of computer.
Answer9:Part Time JobWanted about 60 offline data correction workers (India only)Work Description: Some files will be given to you which will contain mistakes. The job will be to find out those mistakes and correct them. The mistakes could be grammar, tense, spelling, punctuation (only full-stop, question mark, inverted commas and apostrophe). No original document will be given because the files are in original form. No typing required. The work will be sent to your email address as an attachment file. Although the work is offline, you will receive and send the files via your email.More details will be given later so don’t bother to ask for more details now.Language: EnglishFormat: MS Word DocumentAge: upto 30 years of ageMinimum accuracy: 80%Earnings: Rs 3000 – Rs 7000 per monthly assignmentsPayment: cheque or online transferInterested persons may apply by sending resumes to akdas1972@gmail.comAlthough we do not charge any fees, I request you to join this social networking site under my link before you apply. It is free to join. Then send us your login name and the email ID used to register with this site.Please send your resumes only after you register with the site below.Please register here: http://tinyurl.com/5zxazoOnce it is confirmed that you have joined under my link, I will accept your application for this data correction job.
Answer10:I am constantly adding free to join websites for earning online .you can visit my website www.monetiseurblog.blogspot.comand join them and start earning keep following this site or put it on your favourites bar
Answer11:Tryhttp://www.postparker.com/I have start with this site few days back, minimum pay out is 10$ via paypal, i think wired transfer is for indian banks. You just need to participate in discussions, thats all.
Answer12:Affiliate sales is free and its easy. Ebay and amazon will even set you up with a free online store.http://onlinestore4free.blogspot.com/http://durme10-money4u.blogspot.com/
Answer13:This is the best and no scamhttp://neobux.com/?r=LukaB plz if it says for Refferal write: LukaB plz thnx
Answer1:Earn money by using your computer. Easy part-time job for students, teens, and moms. Yes! You will be paid. Ive gotten 14 checks so far. You will get paid by check sent to your address.http://sites.google.com/site/holidaydebt...
Answer2:Whats great is that you dont have to spend any new money these days to start.
Answer3:You can become a guide for Cha Cha.www.chacha.com
Answer4:you can give some videos to youtube.com and earn money
Answer5:why dont u try ebay?
Answer6:The Spiderweb Marketing system is the hottest new, cutting-edge system in the Network Marketing Industry. It was developed by experts after years of experience in MLM. Yet, the program is easy to learn. And most amazingly, its totally FREE to start.http://thespiderwebsystem.com/Traakon51i made this video to prove you that im getting payed by the companyand i show you how im making money online.http://www.youtube.com/watch?v=UXvSlr9TI...click this link to watch the video.and ask yourself something,would you rather spend hours searching a good way to make money at Yahoo Answers or you could see a 10 minute video and you might find a real opportunity to make money online.
Answer7:www.ebay.co.in
Answer8:its depend on your education or your knowledge of computer.
Answer9:Part Time JobWanted about 60 offline data correction workers (India only)Work Description: Some files will be given to you which will contain mistakes. The job will be to find out those mistakes and correct them. The mistakes could be grammar, tense, spelling, punctuation (only full-stop, question mark, inverted commas and apostrophe). No original document will be given because the files are in original form. No typing required. The work will be sent to your email address as an attachment file. Although the work is offline, you will receive and send the files via your email.More details will be given later so don’t bother to ask for more details now.Language: EnglishFormat: MS Word DocumentAge: upto 30 years of ageMinimum accuracy: 80%Earnings: Rs 3000 – Rs 7000 per monthly assignmentsPayment: cheque or online transferInterested persons may apply by sending resumes to akdas1972@gmail.comAlthough we do not charge any fees, I request you to join this social networking site under my link before you apply. It is free to join. Then send us your login name and the email ID used to register with this site.Please send your resumes only after you register with the site below.Please register here: http://tinyurl.com/5zxazoOnce it is confirmed that you have joined under my link, I will accept your application for this data correction job.
Answer10:I am constantly adding free to join websites for earning online .you can visit my website www.monetiseurblog.blogspot.comand join them and start earning keep following this site or put it on your favourites bar
Answer11:Tryhttp://www.postparker.com/I have start with this site few days back, minimum pay out is 10$ via paypal, i think wired transfer is for indian banks. You just need to participate in discussions, thats all.
Answer12:Affiliate sales is free and its easy. Ebay and amazon will even set you up with a free online store.http://onlinestore4free.blogspot.com/http://durme10-money4u.blogspot.com/
Answer13:This is the best and no scamhttp://neobux.com/?r=LukaB plz if it says for Refferal write: LukaB plz thnx
How could I get a donation of $500
Bag packing, sponsored walk/cycle, make buns (cookies), dp DIY jobs at neighbours, simple door-to-door collection Most people will give money if you are collecting for a Charity
Answer1:depending on the cause/ or for what you need it forbake food and have a bake saleask for donationsask for sponsors
Answer1:depending on the cause/ or for what you need it forbake food and have a bake saleask for donationsask for sponsors
Sunday, January 11, 2009
What is the best way to take money from the US to UK
Im American and I will be in the UK for a few weeks. What is the best way to get money to use there? I know I can use my regular ATM card to withdraw money there, but they charge a large fee. Are travellers checks better? Any other options? Which banks are good for this?
Answer1:The best way is
Answer2:Use credit cards and take some cash. Not all places accept travelers checks.
Answer1:The best way is
Answer2:Use credit cards and take some cash. Not all places accept travelers checks.
How much money will i earn
im going to school for network communications and information systems i was wondering how much will i earn.
Answer1:ODALE WHY DONT CHO JUST CUT SOMEBODY AND STEAL DER MONEY
Answer2:the future is good... u can make a lot in networking http://www.emoney2.com
Answer1:ODALE WHY DONT CHO JUST CUT SOMEBODY AND STEAL DER MONEY
Answer2:the future is good... u can make a lot in networking http://www.emoney2.com
How to raise money to help disabled children experience the out doors
http://www.freedollarsforyou.blogspot.co...totally free,best site ever
Answer1:Make money online from your home. You make 5$ for every form you fill in and you can fill in how many as you wish, Its very simple.Step 1: register at http://www.Bizze.org/?ix=1260Step 2: Check your E-Mail directly and click on the link to get more information about this (Be sure to check your spam-post because you will only get this e-mail once!) Step 3: Read through the site and get all the information that you need to become a homeworker.You dont have to give up your personal register and you dont have to give up any creditcard numbers or stuff like that.Once u signed up, you will get a 100$ signup bonus and you can see the proof right here:http://img518.imageshack.us/my.php?image...And here is one months payment that i got from them through paypal:http://img71.imageshack.us/img71/3606/mo...This is real and it works 100%, you only have to give it a chance. Ive been doing this for 2 months.
Answer2:Paul Newmans Hole in the Wall Gang summer camps for disabled children already exist and are very highly regarded. Check their website to find out more, make a donation, etc. Or buy Newmans Own products to support the camps and other charities.As for fundraising, are you raising funds for an IRS-recognized 501(c)(3) charity? Without that tax-deductible designation, people generally do not donate. It generally takes about 3 years to obtain the IRS designation. Your attorney can advise you on the process of forming a charitable organization and filing according to IRS requirements.Also what state are you in? Fundraisers for charitable organizations are required to register with the state and obtain a license. Too many con-artists were raising funds for "charities" and committing similar frauds under the guise of charitable fundraising.
Answer1:Make money online from your home. You make 5$ for every form you fill in and you can fill in how many as you wish, Its very simple.Step 1: register at http://www.Bizze.org/?ix=1260Step 2: Check your E-Mail directly and click on the link to get more information about this (Be sure to check your spam-post because you will only get this e-mail once!) Step 3: Read through the site and get all the information that you need to become a homeworker.You dont have to give up your personal register and you dont have to give up any creditcard numbers or stuff like that.Once u signed up, you will get a 100$ signup bonus and you can see the proof right here:http://img518.imageshack.us/my.php?image...And here is one months payment that i got from them through paypal:http://img71.imageshack.us/img71/3606/mo...This is real and it works 100%, you only have to give it a chance. Ive been doing this for 2 months.
Answer2:Paul Newmans Hole in the Wall Gang summer camps for disabled children already exist and are very highly regarded. Check their website to find out more, make a donation, etc. Or buy Newmans Own products to support the camps and other charities.As for fundraising, are you raising funds for an IRS-recognized 501(c)(3) charity? Without that tax-deductible designation, people generally do not donate. It generally takes about 3 years to obtain the IRS designation. Your attorney can advise you on the process of forming a charitable organization and filing according to IRS requirements.Also what state are you in? Fundraisers for charitable organizations are required to register with the state and obtain a license. Too many con-artists were raising funds for "charities" and committing similar frauds under the guise of charitable fundraising.
Saturday, January 10, 2009
Once you put money into an ira can you get it out in
the case of an emergency?
Answer1:What kind of emergency? depending on the emergency there maybe exemptions to penalties the IRS has set up. To answer your question typically yes you can withdrawal but there are some exceptions depending on the type of IRA, the investment you picked and the fees the company may charge, it may not be worth it? Call the company you have the IRA with and ask if you did withdrawal what are the fees, taxes and pentalities (ask if any exceptions). Also ask if these are the same for a partial withdrawl, the reason for this question is there maybe fees for closing the account but if you just leave maybe $5 there you are not closing the account hense not a closing fee. Companys sometimes allow this in the hopes you will put money back into the account in the future.
Answer2:If you put your money in a Roth IRA, then you can withdraw the money you put in (but not the earnings) at any time for any reason, and there will be no taxes or penalties. The reason for this is that you contribute to a Roth IRA with post-tax dollars. In other words, you have already paid taxes on the money you put in a Roth, so you have no penalties for taking it out.If you put the money in a traditional IRA, you get a tax deduction (if you qualify for a deductible IRA) but there are only limited circumstances in which you can take the money out without a penalty. Some of the exceptions are for medical expenses that exceed 7.5% of your income, for the purchase of a first home, for higher education expenses, or for substantially equal periodic payments based on your life expectancy. You still have to pay taxes on what you withdraw from a traditional IRA.In any case, you can get the money out of either IRA. The tax treatment will vary depending on the IRA.
Answer1:What kind of emergency? depending on the emergency there maybe exemptions to penalties the IRS has set up. To answer your question typically yes you can withdrawal but there are some exceptions depending on the type of IRA, the investment you picked and the fees the company may charge, it may not be worth it? Call the company you have the IRA with and ask if you did withdrawal what are the fees, taxes and pentalities (ask if any exceptions). Also ask if these are the same for a partial withdrawl, the reason for this question is there maybe fees for closing the account but if you just leave maybe $5 there you are not closing the account hense not a closing fee. Companys sometimes allow this in the hopes you will put money back into the account in the future.
Answer2:If you put your money in a Roth IRA, then you can withdraw the money you put in (but not the earnings) at any time for any reason, and there will be no taxes or penalties. The reason for this is that you contribute to a Roth IRA with post-tax dollars. In other words, you have already paid taxes on the money you put in a Roth, so you have no penalties for taking it out.If you put the money in a traditional IRA, you get a tax deduction (if you qualify for a deductible IRA) but there are only limited circumstances in which you can take the money out without a penalty. Some of the exceptions are for medical expenses that exceed 7.5% of your income, for the purchase of a first home, for higher education expenses, or for substantially equal periodic payments based on your life expectancy. You still have to pay taxes on what you withdraw from a traditional IRA.In any case, you can get the money out of either IRA. The tax treatment will vary depending on the IRA.
How can I buy stuff without a credit card Or paypal account
Is there an online site?
Answer1:Some sites take eChecks, which requires you fill out a form similar to the checks you have.
Answer2:Use a thing called money. Comes in paper and coin form.
Answer3:If you are 17 you can open a student checking account.You will receive a debit card./
Answer1:Some sites take eChecks, which requires you fill out a form similar to the checks you have.
Answer2:Use a thing called money. Comes in paper and coin form.
Answer3:If you are 17 you can open a student checking account.You will receive a debit card./
How one can earn from internet
I heard from many peoples that one can earn money by doing some work in HOME by using internet. Is it true?If any idea please share me.
Answer1:I suggest you to try project payday, simply because you dont need any money up front and you can start making money within minutes. I average around 2,500 dollars every month with it. Check it out at http://www.safeinvestingsite.com/cgi-bin...
Answer2:The Spiderweb Marketing System is the hottest new, cutting-edge system in the Network Marketing Industry. It was developed by experts after years of experience in MLM. Yet, the program is easy to learn. And most amazingly, its totally FREE to start.http://www.onlinefreemarketing.ws/i made this video to prove you that im getting payed by the companyand i show you how im making money online.http://www.m-voll.ws/ click this link to watch the video.and ask yourself something,would you rather spend hours searching a good way to make money at Yahoo Answers or you could see a 10 minute video and you might find a real opportunity to make money online.
Answer3:To earn from the Internet, you have to engage in the work at home jobs and home business opportunities on the internet. But to be honest, a lot of work at home jobs are scams and schemes, so you have to be very careful when choosing any business opportunity. However, there are also many legitimate work at home jobs as well as home based business opportunities on the internet that can help you make a lot of money online fast. There are some important factors to look for when searching for a legitimate work at home job or home based business opportunities as follows:Must have very good products or services to promote Must be in good standing with Business Regulation Agencies Must send paychecks out at least once per month (on time) Must have been successfully in business for at least three years or aboveMust have a great support, training and leadership
Answer4:Hi there i have found one site while searching online that will knock you off your feet,you can make more money on it then any other site, out there you can actually make a full time income for this one site and it is free to join and work on.Nothing beats that one i tell you any way,Here is the link.I know they pay as i have been paid over 400$ + an Ipod Shuffle From Contest I won,So check it out, do some offers and make some cash http://youronlinejobs.com (you can also work there part time or Full Time).
Answer5:Write articles. Try Bukisa and/eHow. You write articles for these sites. They share ad revenue with you. Its a great way of earning residual/passive income. There are people making around a thousand dollars a month writing articles. Its worth a try.
Answer1:I suggest you to try project payday, simply because you dont need any money up front and you can start making money within minutes. I average around 2,500 dollars every month with it. Check it out at http://www.safeinvestingsite.com/cgi-bin...
Answer2:The Spiderweb Marketing System is the hottest new, cutting-edge system in the Network Marketing Industry. It was developed by experts after years of experience in MLM. Yet, the program is easy to learn. And most amazingly, its totally FREE to start.http://www.onlinefreemarketing.ws/i made this video to prove you that im getting payed by the companyand i show you how im making money online.http://www.m-voll.ws/ click this link to watch the video.and ask yourself something,would you rather spend hours searching a good way to make money at Yahoo Answers or you could see a 10 minute video and you might find a real opportunity to make money online.
Answer3:To earn from the Internet, you have to engage in the work at home jobs and home business opportunities on the internet. But to be honest, a lot of work at home jobs are scams and schemes, so you have to be very careful when choosing any business opportunity. However, there are also many legitimate work at home jobs as well as home based business opportunities on the internet that can help you make a lot of money online fast. There are some important factors to look for when searching for a legitimate work at home job or home based business opportunities as follows:Must have very good products or services to promote Must be in good standing with Business Regulation Agencies Must send paychecks out at least once per month (on time) Must have been successfully in business for at least three years or aboveMust have a great support, training and leadership
Answer4:Hi there i have found one site while searching online that will knock you off your feet,you can make more money on it then any other site, out there you can actually make a full time income for this one site and it is free to join and work on.Nothing beats that one i tell you any way,Here is the link.I know they pay as i have been paid over 400$ + an Ipod Shuffle From Contest I won,So check it out, do some offers and make some cash http://youronlinejobs.com (you can also work there part time or Full Time).
Answer5:Write articles. Try Bukisa and/eHow. You write articles for these sites. They share ad revenue with you. Its a great way of earning residual/passive income. There are people making around a thousand dollars a month writing articles. Its worth a try.
Doing an appropriation account, solution says I should charge interest on drawings to current ac figure
The notes say interest in drawings should be charged at 6%..There are no drawings, and I looked at the solution and its figures suggest it has chagred 6% to the current account balances (partnership question) and then added it to net profit in the appropriation account. Is this correct, and what if there was drawings would I charge 6% to both drawings and the current account balances?Please somebody explain
Answer1:If u wana earn money online working from homethen u can joint the online money making programslisted herehttp://earnmoneyonlinecash1.notlong.comwork part time n with time your income willbe more than full time
Answer1:If u wana earn money online working from homethen u can joint the online money making programslisted herehttp://earnmoneyonlinecash1.notlong.comwork part time n with time your income willbe more than full time
Foreclosure in our future
Me and my wife bought a house in late 05, right at the peak of the Tampa housing surge. We probably shouldnt have purchased a house at this time, but we had just got married and needed a place we could live together. We thought it was a great deal after all the junk we looked at. The house is only 6 years old, and we paid about $240k for it. We didnt have much for savings and ended up doing 100% financing with an 80/20 loan. In the last few years weve watched our investment slide to what we predict is probably a $60 (or more) loss in the value of our home. To make matters worse, we are both self employed. With the economy going south, weve both seen dramatic losses in our income. Were struggling each month to make ends meet. We dont go out anymore, we gave home-made gifts for xmas, and weve cut whatever corners we can. Its just not enough. Were hoping it springs back, but theres no definite outline as to when. Heres the question. My father is very money wise. He says hes been following the market and watching all of the financial advisors on the news channels say that I should let my house go. He says that I should let the house go into foreclosure, and live in it until they kick us out. Ive heard that it can take up to a year to come to that point. In that time he says Ill have saved up a significant amount and I can buy a house contract-for-deed or something. He says that Im basically just throwing my money into the garbage each month paying for this house. Now, the other side. My wife completely disagrees and will not even entertain the idea. We were about 3-4 months behind on the house and worked out a deal with the bank that they will forgive our late payments as long as we can start paying again. This does absolutely nothing for us in terms of making the payments more affordable, but does give us some time. I feel like staying here is just delaying the inevitable and we will lose it anyways, just with less money in our pockets afterwards. Should I let the house go back, declare bankruptcy, or what?
Answer1:ForeclosureYou will destroy your credit.No bank will touch you.Lending it getting harder.Banks dont want to lend money at a risk.
Answer2:Couple of things here: Im not sure that you should be thinking of your home as your "investment". If its lost value in the last few years, the idea is that this is still your Home and provides a safe, secure place to live. Not to mention a tax write-off. So you kinda need to think long-term on that.That said, if you cannot afford your mortgage right now, then you need to figure out what else you can do to get through this time so you can afford it. Everyone is struggling and self-employment is incredibly difficult. I understand (believe me). Work some more with the bank and try to come up with a better solution. There are also government programs out there that may help you figure out a way to keep your home.I have a friend who just moved out of her house (her husband stopped making house payments and they are now getting a divorce) and it was pretty awful for her sitting around and waiting for foreclosure. Can you short-sell your house maybe? Have you talked to a Real Estate Agent about that possibility?I understand that your father is trying to give you very practical advice. I dont know, though. It seems like you have to decide if "practical" trumps "taking responsibility" in this case. Wait until you feel like youve really exhausted every other possibility before you walk away from that house. Take a look at this (not comprehensive) list of options: http://www.citifinancial.com/customerser...
Answer1:ForeclosureYou will destroy your credit.No bank will touch you.Lending it getting harder.Banks dont want to lend money at a risk.
Answer2:Couple of things here: Im not sure that you should be thinking of your home as your "investment". If its lost value in the last few years, the idea is that this is still your Home and provides a safe, secure place to live. Not to mention a tax write-off. So you kinda need to think long-term on that.That said, if you cannot afford your mortgage right now, then you need to figure out what else you can do to get through this time so you can afford it. Everyone is struggling and self-employment is incredibly difficult. I understand (believe me). Work some more with the bank and try to come up with a better solution. There are also government programs out there that may help you figure out a way to keep your home.I have a friend who just moved out of her house (her husband stopped making house payments and they are now getting a divorce) and it was pretty awful for her sitting around and waiting for foreclosure. Can you short-sell your house maybe? Have you talked to a Real Estate Agent about that possibility?I understand that your father is trying to give you very practical advice. I dont know, though. It seems like you have to decide if "practical" trumps "taking responsibility" in this case. Wait until you feel like youve really exhausted every other possibility before you walk away from that house. Take a look at this (not comprehensive) list of options: http://www.citifinancial.com/customerser...
Any idea of how I could get up to £10,000 using the Other People39;s Money philosophy of self made millionaires
Being a very entrepreneurial orientated guy whos very ambitious and enthusiastic about learning and implementing the modern internet marketing strategies and techniques in terms of setting up a prosperous online business under the step-by-step guidance of experienced internet marketers and gurus, I would now like to attend a very intensive 5 day (40 hours in total) internet marketing workshop where I will be able to properly learn the trade.Now, realistically speaking as I am pretty far from being able to afford paying the required amount for the workshop, I would like if you could propose any constructive suggestions or ideas of how I could simply source these funds bearing in mind that known "Other Peoples Money" phylosophy or motto of self made millionaires.That would be in short: How to get money without almost any money?And, here I have to exclude the possibility of using a credit card and any type of loan because my current financial situation and circumstances do not allow me to take advantage of these 2 options.Many Thanks in advance.
Answer1:In my opinion your best option would be to set up a site (with free hosting if youre that short of cash) place google ads or something similar and if youre really creative sell a digital product that you can create.advertise this site by telling your friends about, putting a video on youtube and any other method you can think of.optimise it for search engines, and thats about it
Answer2:Well I can help you get started with absolutely no money and my phillosophy is NEVER spend any money on an online business unless absolutely necessary.You can start off with loads of stuff for nothing, and later WHEN you are earning, you can upgrade if needed. The real secret to earning on the net is dedication. Im willing to tell you all I know for nothing!
Answer3:If you are prepared to spend a few hours a day on line then you have got to check out the step by step guide given via the Money Rainbow Site. This is an idea from USA but works perfectly well in the UK. I have been using it myself for a while now and I have had excellent results. You are given access to step by step blueprints on how to make money on line and if you have not made a profit in only four months you are guaranteed all your money back. It is entirely legal and completely factual. Take a look - it will only take a few minutes but I guarantee it is like nothing you have ever seen!
Answer1:In my opinion your best option would be to set up a site (with free hosting if youre that short of cash) place google ads or something similar and if youre really creative sell a digital product that you can create.advertise this site by telling your friends about, putting a video on youtube and any other method you can think of.optimise it for search engines, and thats about it
Answer2:Well I can help you get started with absolutely no money and my phillosophy is NEVER spend any money on an online business unless absolutely necessary.You can start off with loads of stuff for nothing, and later WHEN you are earning, you can upgrade if needed. The real secret to earning on the net is dedication. Im willing to tell you all I know for nothing!
Answer3:If you are prepared to spend a few hours a day on line then you have got to check out the step by step guide given via the Money Rainbow Site. This is an idea from USA but works perfectly well in the UK. I have been using it myself for a while now and I have had excellent results. You are given access to step by step blueprints on how to make money on line and if you have not made a profit in only four months you are guaranteed all your money back. It is entirely legal and completely factual. Take a look - it will only take a few minutes but I guarantee it is like nothing you have ever seen!
Friday, January 9, 2009
Any idea why my card was denied (Read details)
I was paying some bills. I had to pay my water bill. I go online, do the usual...and then see my card is denied! I check my number and expiration...its correct.I check my account...I have $175. The payment is $99.I call customer service and he says its either a newly activated card (3 years old...doubt thats that case). or insufficient funds (see above to disprove).The only thing I am thinking is a hold on my card due to gas? I got $5 dollars of gas and charged it to my debit card. They posted a $1 authorization charge...but I did not see any hold on it.Thanks!
Answer1:Theres a difference between your ledger balance and available balance with a bank account. If your AVAILABLE balance cant cover the fuel and $99 bill, then the card will be denied.
Answer2:You figured it out.When you buy gas on a debit card the station puts a $75 hold BEFORE you pump the gas. The hold is lifted once the charge goes through in about 1 or 2 working days./
Answer3:The authorization $1 may have caused it. Cos sometimes do authorizations just to know the card works etc, and then the charges go through later. The CC co might then freeze the balance in case a large charge gets put throughAny chance theres something still pending that youve forgotten about? Other simple reasons I see cards denied are spelling error on address, middle initial missed out etc
Answer4:Its due to the gas charge. Stations can put a hold on funds anywhere from $50 - $75 - this is posted on most gas station machines (all that I have seen, anyway). They will release the funds in 1 to 2 business days.However, my recommendation in the future to avoid this is this: When paying at the pump, process the debit card as a credit card. It wont post to your account as quickly as with debit, which can be a pain, but it will avoid the hold on your funds. Just be sure you know what your account balance is and remember to account for it!
Answer1:Theres a difference between your ledger balance and available balance with a bank account. If your AVAILABLE balance cant cover the fuel and $99 bill, then the card will be denied.
Answer2:You figured it out.When you buy gas on a debit card the station puts a $75 hold BEFORE you pump the gas. The hold is lifted once the charge goes through in about 1 or 2 working days./
Answer3:The authorization $1 may have caused it. Cos sometimes do authorizations just to know the card works etc, and then the charges go through later. The CC co might then freeze the balance in case a large charge gets put throughAny chance theres something still pending that youve forgotten about? Other simple reasons I see cards denied are spelling error on address, middle initial missed out etc
Answer4:Its due to the gas charge. Stations can put a hold on funds anywhere from $50 - $75 - this is posted on most gas station machines (all that I have seen, anyway). They will release the funds in 1 to 2 business days.However, my recommendation in the future to avoid this is this: When paying at the pump, process the debit card as a credit card. It wont post to your account as quickly as with debit, which can be a pain, but it will avoid the hold on your funds. Just be sure you know what your account balance is and remember to account for it!
Can someone deduct money from their total bills because of wage loss
This is a situation related to bills due for December 2008, due on 1st January 2009. My brother received the bills close to the due date, yes, then when asked about payment we were told he never received the statement.Besides this being untrue, clearly apparent when they did slip their payment under my door, they included a letter that stated his wife had to call in to work because of loss of sleep from us being "rude and impolite" and that they were removing the loss of wage from her calling in because of that.A string of questions really:1 - Are they allowed to do that? (My personal vote is for no)2 - If not, what type of recourse do we have legally?3 - As we do not own the house, is their any way to get them evicted?Additional Info:We have tried our best to quiet down in the morning since we have conflicting schedules, but am sure sometimes we do poorly at it; also, yes, my husband has been rude about their eating habits (they eat out every meal) and how they take care of their dogs (lock them up all day and let them relieve themselves in a room in the house) - while that is valid to "rude and impolite"... they also did not complain constantly until this letter.You can choose to call me and my husband whatever you like, but I jsut want to know what we are able to do with causing the least amount of friction. Thank you.
Answer1:I love stories about stupid pigs that let their dog $hit in the house.
Answer1:I love stories about stupid pigs that let their dog $hit in the house.
Over paid holiday pay, please advise
My colleague started working for the company 12 months ago. She was taken on for 15hrs per week, but not given a contract or anything to sign, in August last year she was moved upto 30hrs per week to replace a person leaving, in October she was asked to sign a contract for 15hrs per week, she signed the contract under pressure as she needed the job.Just before christmas she was informed she would be getting a 30hr contract after the christmas break, she returned to work today to be informed she has been overpaid in her holiday pay, they paid her 30hrs per week holidays and saying cause shes only contracted for 15hrs she owes them the money back. A total of £275.04pThey have said that even though she worked the majority of the year 30hrs she is not entitled to 30hrs holiday, even though it was their mistake, they have said that she has to work unpaid for 5hrs per week to pay this back.She is a single person with rent, bills and credit cards to pay for like everyone else, and cannot afford to miss that many hours paid, she can however if required afford to pay back a set amount of say £5-£10 per week.My main question is, can they legally recover the funds from her wages wthout her consent, in writing or otherwise.And secondly, if she is to pay the amount back, if she offers a lower amount do they have to legally acept it if she can prove she cannot afford to pay more back.
Answer1:The only thing i can add is that ive worked at placed and theyve taken money out my payslip for things such a £5 for a poxy cheap badge. I didnt tell them it was ok or n e thing. Thats pretty crap tho. She should look for somewhere else.
Answer2:They can ask for the money back. If they dont get it, they will threaten to hire a solicitor to recover the money and will say that you will incur the cost of the solicitor also.They cannot take the money from her bank account, but possibly may be able to dock future wages without consent.They should be able to offer a monthly repayment scheme, but at the end of the day..... it gets dark.
Answer3:Most workers - whether part-time or full-time - are legally entitled to 4.8 weeks paid annual leave. Additional annual leave may be agreed as part of a workers contract. A weeks leave should allow workers to be away from work for a week – ie it should be the same amount of time as the working week.Your employer must include details of your holidays and holiday pay entitlement in: * your written contract, if you have one* a written statement about your job that they must give you when you start workThe company is already in breach of employment law by not giving her a contract when she started. The contracted hours have no bearing on holiday entitlement she is entitled to holiday pay based on the normal hours worked. If she receives a fixed wage each week then that is how much she should receive for each week that she is off, if hours or wage varies then holiday pay should be calculated based on the average pay received over the preceding 12 week period. Your colleague should speak with her supervisor and if they still say they are going to take the money back she will need to file a formal written complaint to the company and officially object to any money being taken from her wages. I would suggest before this goes further she get professional advice on how to proceed from ACAS on 08457 47 47 47 it is free and confidential (apart from the cost of the phone call)
Answer1:The only thing i can add is that ive worked at placed and theyve taken money out my payslip for things such a £5 for a poxy cheap badge. I didnt tell them it was ok or n e thing. Thats pretty crap tho. She should look for somewhere else.
Answer2:They can ask for the money back. If they dont get it, they will threaten to hire a solicitor to recover the money and will say that you will incur the cost of the solicitor also.They cannot take the money from her bank account, but possibly may be able to dock future wages without consent.They should be able to offer a monthly repayment scheme, but at the end of the day..... it gets dark.
Answer3:Most workers - whether part-time or full-time - are legally entitled to 4.8 weeks paid annual leave. Additional annual leave may be agreed as part of a workers contract. A weeks leave should allow workers to be away from work for a week – ie it should be the same amount of time as the working week.Your employer must include details of your holidays and holiday pay entitlement in: * your written contract, if you have one* a written statement about your job that they must give you when you start workThe company is already in breach of employment law by not giving her a contract when she started. The contracted hours have no bearing on holiday entitlement she is entitled to holiday pay based on the normal hours worked. If she receives a fixed wage each week then that is how much she should receive for each week that she is off, if hours or wage varies then holiday pay should be calculated based on the average pay received over the preceding 12 week period. Your colleague should speak with her supervisor and if they still say they are going to take the money back she will need to file a formal written complaint to the company and officially object to any money being taken from her wages. I would suggest before this goes further she get professional advice on how to proceed from ACAS on 08457 47 47 47 it is free and confidential (apart from the cost of the phone call)
Thursday, January 8, 2009
Looking for a Free Program Where i Can Manage My Finances
I know of a Few but you have to pay for them.i Want one where i can Put my Bi-weekly Incomeand Everything I Usually Pay For and help me calculate a budget balance .THanks!
Answer1:The best one Im aware of is http://www.mint.com/ Give it a try. Ive heard great things and have many friends who use it.
Answer2:I LOVE mint.com
Answer1:The best one Im aware of is http://www.mint.com/ Give it a try. Ive heard great things and have many friends who use it.
Answer2:I LOVE mint.com
I39;m looking to switch our mortgage from Repayment to Interest Only
I have split up with my partner and we would like to rent our flat out until the property market recovers. We are with Nationwide and it seems we can switch to Interest Only but as part of the condition of this we must have an ISA/endowment policy in place alongside this. We are really doing this to reduce the cost so does anyone know how much banks would insist on us paying into an ISA? The current repayment monthly amount is £1407 and taking it to Interest only brings it to £930Thanks
Answer1:Interest only loans is what started this mortgage mess. People were never able to build up equity in our homes (anyone remember the name Quicken Loans - yup - they started this fiasco.)Then came the ARMS and options and all hell broke lose.Whatever your choice, please realize that interest only is not really saving you any money. Its just making banks rich./
Answer2:There is no minimum amount you can pay in each month but on my ISA im only allowed to put a maximum of £3000 pound in a year. The interest on them isnt that good at the moment either with the financial climate and such, but good luck to you, i have a mortgage with nationwide but was told id have no chance switching to interest only because of the rates going down. If i were you id look around different banks to see what ISAs they have to offer mines with halifax, the interest rate is good but theres that limit on how much you pay in but im sure they can extend it. Just shop around till you find the best one :D
Answer1:Interest only loans is what started this mortgage mess. People were never able to build up equity in our homes (anyone remember the name Quicken Loans - yup - they started this fiasco.)Then came the ARMS and options and all hell broke lose.Whatever your choice, please realize that interest only is not really saving you any money. Its just making banks rich./
Answer2:There is no minimum amount you can pay in each month but on my ISA im only allowed to put a maximum of £3000 pound in a year. The interest on them isnt that good at the moment either with the financial climate and such, but good luck to you, i have a mortgage with nationwide but was told id have no chance switching to interest only because of the rates going down. If i were you id look around different banks to see what ISAs they have to offer mines with halifax, the interest rate is good but theres that limit on how much you pay in but im sure they can extend it. Just shop around till you find the best one :D
Tuesday, January 6, 2009
Green Dot Debit Card I have a friend that wants to do a bank transfer from hers to mine
does green dot allow this?
Answer1:depends, ask green dot.
Answer2:why would u want to do that
Answer1:depends, ask green dot.
Answer2:why would u want to do that
What do I need to know before co signing a loan
What questions should I ask the person wanting me to co sign for them? Is it a good idea? They are offering to pay me $1,000 cash to help them with this. Are there major risks and how would it hurt me?
Answer1:If they were to default on the loan you would be responsible for paying it.
Answer2:You need to know...Not to do it.If they default, you are responsible for paying the loan and if they pay late, it is reflected on your credit report.
Answer3:If you are new to the world of loans, then all the jargon and terminology can seem very confusing. There are so many different terms to understand, and unless you know some of them you will not find the best loan deal to suit your needs. If you want to know more, then here is a guide to some of the basic loan terms you might need to know.http://www.worldbestloans.com/The lower the APR, then the cheaper the loan interest will be. Credit scoring is a method that lenders use to determine your eligibility for a loan. They ask a series of questions about your earnings and financial situation. Each answer you give is scored, and the better your score then the more likely you are to be accepted for a loan.
Answer4:This sounds very suspicious. Unless you are 100% certain that you can trust both the person who is asking you to guarantee the loan, and whoever is offering the loan (is it a genuine bank with standard terms? or a "loan shark" with exhorbitant penalties and high interest in the small print?), avoid this like the Plague.
Answer5:Info Business money Free, visit site :http://www.akhzanrasta.blogspot.com
Answer6:Do NOT do it. You are responsible for the debt if they dont pay it. Offering you cash is a huge red flag.
Answer1:If they were to default on the loan you would be responsible for paying it.
Answer2:You need to know...Not to do it.If they default, you are responsible for paying the loan and if they pay late, it is reflected on your credit report.
Answer3:If you are new to the world of loans, then all the jargon and terminology can seem very confusing. There are so many different terms to understand, and unless you know some of them you will not find the best loan deal to suit your needs. If you want to know more, then here is a guide to some of the basic loan terms you might need to know.http://www.worldbestloans.com/The lower the APR, then the cheaper the loan interest will be. Credit scoring is a method that lenders use to determine your eligibility for a loan. They ask a series of questions about your earnings and financial situation. Each answer you give is scored, and the better your score then the more likely you are to be accepted for a loan.
Answer4:This sounds very suspicious. Unless you are 100% certain that you can trust both the person who is asking you to guarantee the loan, and whoever is offering the loan (is it a genuine bank with standard terms? or a "loan shark" with exhorbitant penalties and high interest in the small print?), avoid this like the Plague.
Answer5:Info Business money Free, visit site :http://www.akhzanrasta.blogspot.com
Answer6:Do NOT do it. You are responsible for the debt if they dont pay it. Offering you cash is a huge red flag.
Monday, January 5, 2009
I have 400 dollars, what should I spend it on
I am a 14 year old boy.
Answer1:mostly video games and maybe a few movies music and tv shows on ebay. final fight is a really good video game you should get its either on the super nintendo or part of capcom classics collection for xbox or playstation 2
Answer2:I HIGHLY recommend saving it. I dont know your financial situation, but youll wish you had it in the future, instead of wasting it on some electronic or something thatll be rendered useless in a few months. Save all you can now, itll hit ya hard when the time comes!
Answer3:me!!!!
Answer4:a 12 month CD....you will have more next year and then roll it back into another 12 month CD then you will have some money for a car when you are 16
Answer5:Wow, you lucky thing!!!I personally wouldnt spend it on just plain video games,maybe somthing bigger and maybe more exciting which will last you longer. Im a girl though so maybe i dont know, i would spend it on the good straighteners witch are about 150 dollars or a bit more and the rest on bits and pieces!! :)Maybe you could buy a xbox or an nitendo wii (that console is expensive and so are the games)Or you could put it in your bank and save it for when you really need it!But this might not come again so spend wisely! ;) have fun
Answer6:This questions are stupid!You cant ask someone who doesnt know you what should you buy!You should decide what to buy by yourself!
Answer1:mostly video games and maybe a few movies music and tv shows on ebay. final fight is a really good video game you should get its either on the super nintendo or part of capcom classics collection for xbox or playstation 2
Answer2:I HIGHLY recommend saving it. I dont know your financial situation, but youll wish you had it in the future, instead of wasting it on some electronic or something thatll be rendered useless in a few months. Save all you can now, itll hit ya hard when the time comes!
Answer3:me!!!!
Answer4:a 12 month CD....you will have more next year and then roll it back into another 12 month CD then you will have some money for a car when you are 16
Answer5:Wow, you lucky thing!!!I personally wouldnt spend it on just plain video games,maybe somthing bigger and maybe more exciting which will last you longer. Im a girl though so maybe i dont know, i would spend it on the good straighteners witch are about 150 dollars or a bit more and the rest on bits and pieces!! :)Maybe you could buy a xbox or an nitendo wii (that console is expensive and so are the games)Or you could put it in your bank and save it for when you really need it!But this might not come again so spend wisely! ;) have fun
Answer6:This questions are stupid!You cant ask someone who doesnt know you what should you buy!You should decide what to buy by yourself!
How can I make money
how can I make money?
Answer1:Get a job.
Answer2:street corner?
Answer3:easy answer...prostitution
Answer4:Stop wasting your time asking silly Yahoo questions and get a job!
Answer5:Get a job.
Answer6:drug runner. sex.
Answer7:Try getting a job, works wonders on the pocket book, I tell ya.
Answer8:get a job.
Answer9:I hope someone could tell me.But.... U should start doing something u don;t want to.... like labor works... makes u feel better until u figure out what to do next.
Answer10:Determination is the key to sucess. Over the past few weeks I have made thousands of dollars on this great website. Some people have made millions. The great thing about this business is you have to do nothing. But there is one downside. The company put that you can only make $250,000 a month. Check this website out you will not be sorry. When you get to the site got the bottom of the screen,click on the dollar sign, and watch the overview. If you have any questions go to my website their is my contact info. shoptoearn.net/makealiving
Answer11:You should get a job
Answer12:gather all your stuff that you dont want, or doesnt fit you and make a yard sale. i got $60 in Just two days. : )
Answer13:get a job
Answer14:start a business - although now isnt the best time to do so but if its a risk then life in general is risky if you ask me!
Answer15:rob a bank.its easier to make money come to youthan it is for money making you come to ittake control of your life!
Answer16:Set up a small business that needs little equipment and no overheads. E-mail me, and I will give you some more advice.
Answer17:Tough question..easy answer.. you need to get a job!
Answer18:yea you should get a job in something you know you will enjoy doing...you might even get a raise.....
Answer19:Hello !You can answer to surveys on the web, thats what I do, you wont earn a lot of money doing this of course. Im registered in several web sites but there are French and I dont know any English ones. Its really easy to find some.You also can sell things on eBay, it works very well !!! Moreover, you get rid off what you dont want to keep.Happy new year !
Answer1:Get a job.
Answer2:street corner?
Answer3:easy answer...prostitution
Answer4:Stop wasting your time asking silly Yahoo questions and get a job!
Answer5:Get a job.
Answer6:drug runner. sex.
Answer7:Try getting a job, works wonders on the pocket book, I tell ya.
Answer8:get a job.
Answer9:I hope someone could tell me.But.... U should start doing something u don;t want to.... like labor works... makes u feel better until u figure out what to do next.
Answer10:Determination is the key to sucess. Over the past few weeks I have made thousands of dollars on this great website. Some people have made millions. The great thing about this business is you have to do nothing. But there is one downside. The company put that you can only make $250,000 a month. Check this website out you will not be sorry. When you get to the site got the bottom of the screen,click on the dollar sign, and watch the overview. If you have any questions go to my website their is my contact info. shoptoearn.net/makealiving
Answer11:You should get a job
Answer12:gather all your stuff that you dont want, or doesnt fit you and make a yard sale. i got $60 in Just two days. : )
Answer13:get a job
Answer14:start a business - although now isnt the best time to do so but if its a risk then life in general is risky if you ask me!
Answer15:rob a bank.its easier to make money come to youthan it is for money making you come to ittake control of your life!
Answer16:Set up a small business that needs little equipment and no overheads. E-mail me, and I will give you some more advice.
Answer17:Tough question..easy answer.. you need to get a job!
Answer18:yea you should get a job in something you know you will enjoy doing...you might even get a raise.....
Answer19:Hello !You can answer to surveys on the web, thats what I do, you wont earn a lot of money doing this of course. Im registered in several web sites but there are French and I dont know any English ones. Its really easy to find some.You also can sell things on eBay, it works very well !!! Moreover, you get rid off what you dont want to keep.Happy new year !
What is a Annunity I was wondering what a annuity is and what does it mean
My mom was talking with some Rude Jerk guy about that and how much my brothers and sister would get after she goes to heaven. So i was wondering What does it mean and what a annuity is?
Answer1:an annuity is a savings account. its like any other account, except you can not withdraw from it until you reach retirement age. the idea is that it accumulates faster because it does not pay income tax, and when you draw money from it you are retired so your income is less and you dont pay as much tax on the money. depending on how its loaded (if they charge you money to set it up-thats how the "Rude Jerk" gets paid) it can provide you with a lot of money. a savings account draws interest-the longer it draws interest the more it makes.just round numbers---at 10% interest your money will double a[approximately every 10 years.lets say you start with $1,000 at age 20 (and never put any more in)at 27 youve got $2,000at 34 youve got $4,000at 41 youve got $8,000at 48 youve got $16,000at 55 youve got $32,000at 62 youve got $64,000at 69 youve got $128,000at--well you get the ideainterest doubles your money-the higher the interest the faster it doubles if you put additional money in it also doubles. it doesnt care how much is in it doubles itif its $1.00 you get 2 if its one million you get two millionyou only pay taxes on the money as you withdraw it from the account
Answer1:an annuity is a savings account. its like any other account, except you can not withdraw from it until you reach retirement age. the idea is that it accumulates faster because it does not pay income tax, and when you draw money from it you are retired so your income is less and you dont pay as much tax on the money. depending on how its loaded (if they charge you money to set it up-thats how the "Rude Jerk" gets paid) it can provide you with a lot of money. a savings account draws interest-the longer it draws interest the more it makes.just round numbers---at 10% interest your money will double a[approximately every 10 years.lets say you start with $1,000 at age 20 (and never put any more in)at 27 youve got $2,000at 34 youve got $4,000at 41 youve got $8,000at 48 youve got $16,000at 55 youve got $32,000at 62 youve got $64,000at 69 youve got $128,000at--well you get the ideainterest doubles your money-the higher the interest the faster it doubles if you put additional money in it also doubles. it doesnt care how much is in it doubles itif its $1.00 you get 2 if its one million you get two millionyou only pay taxes on the money as you withdraw it from the account
What does Conservatee and Conservator mean Bank account
I have a bank account made from a insurance settlement i got from an accident i was in as an infant, it was court restricted, so no one has been able to touch it except me when im eighteen, now that I am turning eighteen very soon I want to know more about it to better plan my future and college, it says on the paper that I am the "conservatee" and my mom is the "conservator", i dont know if this question can be answered, like if it is unique to each persons situation, but does that mean my mom will have any access to it? like being my guardian? I plan to move out so i dont want her to consume the only ignition i have to my new life.
Answer1:While you were a minor, your mom was appointed to be the guardian of your money (Conservator). Once you reach majority age, you should get a letter placing the account in your name. If you dont get such a letter, talk to an attorney to get it done.
Answer1:While you were a minor, your mom was appointed to be the guardian of your money (Conservator). Once you reach majority age, you should get a letter placing the account in your name. If you dont get such a letter, talk to an attorney to get it done.
20 30 somethings how do you view your debt
wondering how many people out there consider their debt as a fixed monthly cost/bill? im 27, almost 28 and owe 15,000. i was in a situation where i was living on my own and living expenses were too high and i was also stupid with my spending. i just entered a much better situation living with my bf. i can now pay some of this debt, i planned to spemnd the next 5 months getting my debt down to 11,000 and then paying between 250-300/monthly. its already colsolidated with low interest. i figure i will be paying it for years and look at it as a monthly expense. i would keep putting all my extra money towards it but my bf & i would like ti buy a home together in the near future and need a downpayment. e knows of my debt, not the exact amount but ballpark. i was wondering how many other people are in this situation??? i have several friends that owe +30,0000!!!
Answer1:Fortunately my debt is considerably lower. I worked while in college and have relatively little student loans to pay back. My CC is whats getting paid first. Roughly 2k there and Im working to pay it off in 4-6 months and then moving on to the student loan. Hopefully Ill be debt free by the end of this year and Ill be able to actually save more for down payment on a house.Even though my debt is low I wish I had none.
Answer2:Im 23 and the only debt weve got is the mortgage.
Answer3:My wife and I are lucky and exited college with 0 debt.No student loans or anything.Now since getting married, we owe 30k in grad school since we both attend. Working full time and going to school is hard, but it helps prevent us from having excessive debt and allows us to pay thousands out of pocket.In all we owe 100k in student, and our mortgage.
Answer4:I see anything that isnt a student loan as bad debt because a student loan is an investment in your future. Credit Card debt isnt necessary and is tragic with interest rates.
Answer1:Fortunately my debt is considerably lower. I worked while in college and have relatively little student loans to pay back. My CC is whats getting paid first. Roughly 2k there and Im working to pay it off in 4-6 months and then moving on to the student loan. Hopefully Ill be debt free by the end of this year and Ill be able to actually save more for down payment on a house.Even though my debt is low I wish I had none.
Answer2:Im 23 and the only debt weve got is the mortgage.
Answer3:My wife and I are lucky and exited college with 0 debt.No student loans or anything.Now since getting married, we owe 30k in grad school since we both attend. Working full time and going to school is hard, but it helps prevent us from having excessive debt and allows us to pay thousands out of pocket.In all we owe 100k in student, and our mortgage.
Answer4:I see anything that isnt a student loan as bad debt because a student loan is an investment in your future. Credit Card debt isnt necessary and is tragic with interest rates.
Can you get a debit card under the age of 18
even with a parent signature?DO YOU KNOW IF THEY DO THAT AT BANK OF AMERICA?PLZ HELP!
Answer1:they do, Im not sure if they do at that bank though
Answer2:Parents can sign you up on their credit card and you can have one of the cards with your name on it, but your parents are the primary card holders. Also you can prepay debit card, lets say for $1000, you cant exceed the amount, is your money - but you are building your credit....and if you good at it some day someone will give you regular credit card.
Answer3:Visa has a card they call visabuxx its made for teenagers its basically a reloadable visa cardit can be reloaded either by the teenager or by the parents either on line or by phone and there are no fees attachde with the cardand you use it like a credit cardboth US bank an wachovia offer this card (a few other do to but you have to be an account holder for those)for more infohttp://usa.visa.com/personal/cards/prepa...
Answer4:They do at Chase. Its called the High School Checking account.It has the same benefits of a Real Checking account.https://www.chase.com/ccp/index.jsp?pg_n...that is he link for more info.
Answer1:they do, Im not sure if they do at that bank though
Answer2:Parents can sign you up on their credit card and you can have one of the cards with your name on it, but your parents are the primary card holders. Also you can prepay debit card, lets say for $1000, you cant exceed the amount, is your money - but you are building your credit....and if you good at it some day someone will give you regular credit card.
Answer3:Visa has a card they call visabuxx its made for teenagers its basically a reloadable visa cardit can be reloaded either by the teenager or by the parents either on line or by phone and there are no fees attachde with the cardand you use it like a credit cardboth US bank an wachovia offer this card (a few other do to but you have to be an account holder for those)for more infohttp://usa.visa.com/personal/cards/prepa...
Answer4:They do at Chase. Its called the High School Checking account.It has the same benefits of a Real Checking account.https://www.chase.com/ccp/index.jsp?pg_n...that is he link for more info.
If u had 1000$ what would you spend it on SERVEY
1. Get a cell phone2. Decorate my room3.Get an Ipod, and a hot pink digital camera4. GO SHOPPING!These are all seperate ideas of what i would do
Answer1:give it to a neighbor who is about to default
Answer2:thats not very much money you cant realistically do much
Answer3:Pay any outstanding billsif all bills paid - put it in the bank and save it for a rainy day.
Answer4:If you need to borrow the $1000, consider peer-to-peer lendinghttp://fastsignatureloan.com/personal-lo...
Answer5:Id put it away. Im going to need much more than that in a few years.
Answer6:1. Help my dad with a bill2. Church3. Pay my tech fees for my high school laptop4. Put the rest in savings.
Answer1:give it to a neighbor who is about to default
Answer2:thats not very much money you cant realistically do much
Answer3:Pay any outstanding billsif all bills paid - put it in the bank and save it for a rainy day.
Answer4:If you need to borrow the $1000, consider peer-to-peer lendinghttp://fastsignatureloan.com/personal-lo...
Answer5:Id put it away. Im going to need much more than that in a few years.
Answer6:1. Help my dad with a bill2. Church3. Pay my tech fees for my high school laptop4. Put the rest in savings.
Is 100,000 alot of money to make a year
question 1:is it alot of money to make a year?question 2:is it alot of money to make a year for a man that didnt go to college?
Answer1:yes x2
Answer2:No offense, dumb question. Everyone dreams and brags about a 6 digit salary. And yes without college its pretty good!
Answer3:You wouldnt be a millionare but yes you would be leading a good life. And yes without college its really hard to even come close to that amount.
Answer1:yes x2
Answer2:No offense, dumb question. Everyone dreams and brags about a 6 digit salary. And yes without college its pretty good!
Answer3:You wouldnt be a millionare but yes you would be leading a good life. And yes without college its really hard to even come close to that amount.
I need money soon, and i work
How can i get money quick? without stripping, prostituting, or drug dealing, or anything else illegal?
Answer1:Probably one of the most popular way of making money right now is through GDI... its very legit. Just give it a look through.The website is already made. All you have to do is advertise to make money.http://businesstoweb.ws
Answer2:Well, are you willing to do my household chores in the nude?
Answer3:babysit or shovel snow maybe mow lawns I really have no business answering this question I dont even have a job
Answer4:You can start online survey with treasuretrooper & can earn some money from home. They are legit. they send payment via paypal account or via check. so you can try yourself.
Answer5:There are many genuine ways you can make money fast without stripping, prostituting or engaging in drug dealings and stuff like that.Engaging on work at home jobs and home business opportunities on the internet are some of the genuine ways to moke money fast.But to be honest, a lot of work at home jobs are scams and schemes, so you have to be very careful when choosing any business opportunity. However, there are also many legitimate work at home jobs as well as home based business opportunities on the internet that can help you make a lot of money online fast. There are some important factors to look for when searching for a legitimate work at home job or home based business opportunities as follows:Must have very good products or services to promote Must be in good standing with Business Regulation Agencies Must send paychecks out at least once per month (on time) Must have been successfully in business for at least three years or aboveMust have a great support, training and leadership
Answer1:Probably one of the most popular way of making money right now is through GDI... its very legit. Just give it a look through.The website is already made. All you have to do is advertise to make money.http://businesstoweb.ws
Answer2:Well, are you willing to do my household chores in the nude?
Answer3:babysit or shovel snow maybe mow lawns I really have no business answering this question I dont even have a job
Answer4:You can start online survey with treasuretrooper & can earn some money from home. They are legit. they send payment via paypal account or via check. so you can try yourself.
Answer5:There are many genuine ways you can make money fast without stripping, prostituting or engaging in drug dealings and stuff like that.Engaging on work at home jobs and home business opportunities on the internet are some of the genuine ways to moke money fast.But to be honest, a lot of work at home jobs are scams and schemes, so you have to be very careful when choosing any business opportunity. However, there are also many legitimate work at home jobs as well as home based business opportunities on the internet that can help you make a lot of money online fast. There are some important factors to look for when searching for a legitimate work at home job or home based business opportunities as follows:Must have very good products or services to promote Must be in good standing with Business Regulation Agencies Must send paychecks out at least once per month (on time) Must have been successfully in business for at least three years or aboveMust have a great support, training and leadership
Saving money in the form of a postal money order, any cons
I want to give a gift to someone, a postal money order so they can save it when they need it. if they save it for a long time can it expire? is there any cons (pro and cons) to saving a postal money order?
Answer1:Now, we have some excellent Insurance policies. If you invest one time a lump sum the insurance company pays six time if any death happens before the expiry of the policy. you can contact any State Bank in your nearest area. They can guide you better. This investment would be more helpful than postal certificates.
Answer2:If you belong to an auto club, you can get travelers check. They never expire. If you do not belong, the fee is only 1%.
Answer1:Now, we have some excellent Insurance policies. If you invest one time a lump sum the insurance company pays six time if any death happens before the expiry of the policy. you can contact any State Bank in your nearest area. They can guide you better. This investment would be more helpful than postal certificates.
Answer2:If you belong to an auto club, you can get travelers check. They never expire. If you do not belong, the fee is only 1%.
How old do you have to be to open bank account
I think you can open one at any age as long as your parents are on your account.This is a great way for teens and moms to earn extra money using your computers. My link explains:http://sites.google.com/site/holidaydebt...Must be 13 yrs. old or older.
Answer1:At 17 you can open a student checking account and you will receive a debit card (only with visa if your parents sign in).At any age you can open up something called a custodail savings accountthis will give you an ATM (debit) if your parents sign on).You can make up to 4 withdrawls/debits / monthAt any age you can get your parents to open up a credit card account under their name and make you an authorized user. You will be able to use this for any online purchases.When you get the credit card bill in about 25 days you have to make sure you pay the bill in full each month or it can basically destroy your future./
Answer2:I was very small, like 6 or 7 and yes my Dad took me to the bank to open an account but I did all the signing and stuff. (Still have the bank book with my little childish signature on it etc). I was the one who received the letters from the bank over the years, they were completely addressed to me. When I was 13 or whatever the bank told me there would be a better account such as one with a cashline card for an ATM machine. When I was 16 or so they gave me the equivalent to a Solo card (a little used debit card) and when I was a student at college I got given a student account with a proper debit card. None of this had anything to do with my parents except that my dad accompanied me the first time.
Answer1:At 17 you can open a student checking account and you will receive a debit card (only with visa if your parents sign in).At any age you can open up something called a custodail savings accountthis will give you an ATM (debit) if your parents sign on).You can make up to 4 withdrawls/debits / monthAt any age you can get your parents to open up a credit card account under their name and make you an authorized user. You will be able to use this for any online purchases.When you get the credit card bill in about 25 days you have to make sure you pay the bill in full each month or it can basically destroy your future./
Answer2:I was very small, like 6 or 7 and yes my Dad took me to the bank to open an account but I did all the signing and stuff. (Still have the bank book with my little childish signature on it etc). I was the one who received the letters from the bank over the years, they were completely addressed to me. When I was 13 or whatever the bank told me there would be a better account such as one with a cashline card for an ATM machine. When I was 16 or so they gave me the equivalent to a Solo card (a little used debit card) and when I was a student at college I got given a student account with a proper debit card. None of this had anything to do with my parents except that my dad accompanied me the first time.
Saturday, January 3, 2009
Should i have a living trust
Hi,I have a home(which I owe almost 90% on it) and a life insurance policy worth 500k.Should I bother creating a living trust with assets as little as I have?
Answer1:no you do not need one!!!
Answer1:no you do not need one!!!
Thursday, January 1, 2009
Why do celebrities end up being broke after earning millions
Because soon, new actress/actor come in, and they go out of business. They also become old, too. Many reasons.
Answer1:They get it all of a sudden and dont know how to deal with it.Or they earn it young and spend it young.Or any one of many variations of these reasons!
Answer2:Most of them go from being a "nobody" (you know.. like us) to huge riches, without ever getting the lessons on money management along the way. And most never learn it because theyre busy being famous while their accountant/manager handle the cash.So, to sum it up... the only thing they know how to do is spend it.
Answer3:Did you ever end up spending all your allowance before the week was up?
Answer4:Celebrities end up broke because they get too complacent spending loads of money, and when the money stops coming in, they either dont change their habits or all the bills and taxes eventually bleed them dry. drugs and hard partying also come into play.
Answer5:Individual cases vary, but I suspect that for the celebrities that end up broke, its mostly the same reasons that those with lesser incomes end up broke - not carefully managing money, even to the simple point of not spending more than one makes.Having money does not automatically give someone wisdom, although having wisdom does generally enable someone to acquire money.
Answer6:Most of them are uneducated and have never had the wealth that is suddenly thrusted upon them. They seem to have to buy, buy, and buy with no regard to the future. They are often robbed by unscrupulous agents and con men whom they erronously think are looking out for them. In a word, STUPIDITY. Thats what does them in.
Answer7:They lose it because they just spend it all. They think it will go on forever, and then find out the hard way that it wont. So they dont invest any of it for later, when they are not working.Also, they dont understand the value of money. They get a few million dollars, but then they spend it on things that have ongoing expenses. That drives them into debt. Then, they are broke. Its easy come, easy go for a lot of people.
Answer1:They get it all of a sudden and dont know how to deal with it.Or they earn it young and spend it young.Or any one of many variations of these reasons!
Answer2:Most of them go from being a "nobody" (you know.. like us) to huge riches, without ever getting the lessons on money management along the way. And most never learn it because theyre busy being famous while their accountant/manager handle the cash.So, to sum it up... the only thing they know how to do is spend it.
Answer3:Did you ever end up spending all your allowance before the week was up?
Answer4:Celebrities end up broke because they get too complacent spending loads of money, and when the money stops coming in, they either dont change their habits or all the bills and taxes eventually bleed them dry. drugs and hard partying also come into play.
Answer5:Individual cases vary, but I suspect that for the celebrities that end up broke, its mostly the same reasons that those with lesser incomes end up broke - not carefully managing money, even to the simple point of not spending more than one makes.Having money does not automatically give someone wisdom, although having wisdom does generally enable someone to acquire money.
Answer6:Most of them are uneducated and have never had the wealth that is suddenly thrusted upon them. They seem to have to buy, buy, and buy with no regard to the future. They are often robbed by unscrupulous agents and con men whom they erronously think are looking out for them. In a word, STUPIDITY. Thats what does them in.
Answer7:They lose it because they just spend it all. They think it will go on forever, and then find out the hard way that it wont. So they dont invest any of it for later, when they are not working.Also, they dont understand the value of money. They get a few million dollars, but then they spend it on things that have ongoing expenses. That drives them into debt. Then, they are broke. Its easy come, easy go for a lot of people.
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