In: Leasing
3 Sep 2010Does anyone know where I could ideally hire/lease a Burger Van? I’ve found a few companies which offer Burger Trailers but would prefer to have a van rather than have to tow.
Is this just being picky and should I just go with the trailer? I have a vehicle which can tow anyway.
Is this a good business venture if I have a good spot outside a popular nightclub and just operate on a thursday, friday and saturday nights? There is also a few other clubs and bars along the high street. There is currently only one takeaway outlet but this is situated on the other side of the town.
I’ve contacted the local council to see what the chances of me being granted a licence first before I make any purchases or leases of equipment.
In: Leasing
2 Sep 2010I moved out of my townhouse on July 31, 2010. My lease wasn’t up until Sept 30, 2010 but I followed MN state law statue 504b.206 regarding domestic abuse to get the heck out of there. I followed the policies (I went the battered womens center for help), cleaned the apt before I left, returned my keys. My deposit was $782. MN law states this:
“REFUND OF THE SECURITY DEPOSIT
At the end of the tenancy, a landlord must return a tenant’s security deposit plus simple, non-compounded interest, (141) or give the tenant a written explanation as to why the deposit (or any part of the deposit) will not be returned. The landlord must do this within 21 days after the day the tenancy ends, provided that the tenant has given the landlord a forwarding address. If a tenant has to leave because the building is condemned, the landlord must return the deposit within five days after the tenant leaves, and after receipt of the tenant’s new address or delivery instructions (unless the condemnation was due to the tenant’s willful, malicious or irresponsible conduct). (142) If the landlord does not return the deposit or return an explana tion in the time allowed, the landlord must pay the tenant a penalty equal to the amount withheld and interest and also pay the tenant the amount of the deposit and interest wrongfully withheld. (143) Minnesota law allows a landlord to withhold from a security deposit only the amount necessary for unpaid rent (144), damages to the rental unit beyond ordinary wear and tear (145), or other money the tenant owes to the landlord under an agreement (e.g. water bills). (146)
When a landlord’s interest in the property ends (for example, because of death, foreclosure, or contract for deed cancellation), the security deposit must be transferred to either the new owner or returned to the tenant. This must be done within 60 days after the current landlord’s interest in the property ends or when the new landlord is required to return the security deposit under the rules discussed earlier, whichever is the earlier time. (147)
If a landlord does not return or transfer the deposit, the court may penalize the landlord $200 for each deposit not returned or transferred. (148) ”
I have drafted a letter to my landlord AND corporate. I do NOT really want to go to court if I don’t have to, but I DO want my 782 back. There is NO reason for them to keep ANY of it, even if they felt they had to, I still didn’t receive a letter. Should I just stick with my letter and hope they send me the 782 plus $200 for their lateness, or should I just take them to court?
I know my landlord wasnt aware of the MN statute regarding me moving out early, but I followed the law to a T, had the BWC help me with it all and even gave my landlord copies of the statute and everything (saying she had to return the deposit). I think she still thinks she can keep it because i broke my lease??? Not sure. Im frustrated because its a lot of money, and my car just broke down and I have 3 kids and need that $$ to get my car fixed!!!!!
P.S. I am NOT concerned about getting the 3x or 2x rent or whatever, I just want what is fair, and that is my $782 deposit back. I don’t want people to think I am lawsuit happy or anything. Thought an extra $1500 would be nice ad def could use it, I just want my deposit!!
In: Investing
2 Sep 2010I’m pretty young 24 y/o. I have no idea how to invest, and I don’t want to pay a broker to invest my money. I just want my money to grow- what should I do? What is a good APY? Also, I’ve read about a “term share certificate” , “money market accounts” and “mutual funds”. I don’t know what to do? Can you guys help and tell me what type of interest rates are good for these types of accounts or if these accounts don’t yield any good returns and if I should invest somewhere else.
Thanks
In: banking
2 Sep 2010BARACK Obama wants to shape a new “international order” in which the US co-operates with other nations and seeks long-term support by promoting its democratic values. He will use the the world bank and the International Monetary fund to form this international order !!!!!! this is Exactly what the Antichrist will do… Read the book of Revelation…… http://www.smh.com.au/world/obama-to-see…http://www.america.gov/st/texttrans-engl…http://www.profilepic.com/thetruthbehind…
We have used the normal fundraisers such as partnering with local restaurants, apparel sales, and candy sales. We are looking for new realistic ideas on how to increase our revenue without selling cheap items like high school fundraising programs.
My husband and I are looking at a home thats been on the market for over two years. Its priced at 600k all everything. When we went for a showing, the sellers tell us it is $660k. Since we expressed an interest in doing a lease purchase with them, we mentioned we might could offer them a little more than the price of the home to make it appealing to them….but $60k higher? What the hell.
They jumped on our offer for the lease purchase. They want $66k down (10%) and also 3 months rent up front. They also are going to charge us rent using a standard mortgage calculation….the balance after our 66K down up front 6% interest rate for 30 years to calculate the rent. BUT now they also are demanding we pay 4300 taxes and the insurance as well….
Looking at this all, (and we havent said a word back to them yet) I think we are getting a little screwed. First there is the price increase based on a little comment I made after giving thema little more for the home, then they give us an outrageous rent amount with NO RENT CREDITS toward the principle of the home, they want US to pay taxes and insurance and on top of that, the seller wants to remove two structures on the property which are part of the home because he wants to keep them.
Being this home has been on the market for such a long time, and went to auction with NO BIDDERS or shows, I would think that we would be in the position to make demands. I’m a fair person, why is it that sellers are always trying to be such a PITA making demands. I went through this once already with our first home and regret that purchase. I dont want to be in that position again. I want the seller to feel good and us too. It should be a win win…not seller cleaning the floor with us.
If you were me..how would you counter offer this and be fair….cause thats what its all about.
In: Leasing
2 Sep 2010I’m a 24 year old college graduate. After getting my degree 2 years ago I found a decent job, knowing I was lucky to find a job at all in this economy. Earlier this year I had an accident and was uninsured, so I opened up four credit cards, all amounting to about $11,000 in order to pay for a surgery. I also leased a car after I got a promotion at work.
I lost my job back in May. I had a personal family emergency that needed to be taken care of, though I wasn’t able to get a temporary leave of absence and had to quit. Because of how I left my job, I’m ineligible for unemployment benefits. I’ve moved back in with my parents and they’re taking care of my credit card bills (it makes me feel horrible – they’re both retired and don’t have much money either. They offered to help, but I can’t do this to them anymore.) To top it all off, I couldn’t make the payments on my car so I gave it up for voluntary repossession. After Volkswagen auctioned the car off, I owe a $4,000 deficiency balance to VW Credit. I don’t know how I’m going to come up with that money. So I estimate my total debt to be about $15,000. I’m jobless, and the prospects for finding work these days are low.
In this economy, it’s been difficult finding a job, even with my degree and the work I put into getting it. I’m happy that I got into a good grad school program, and I’m going to attend (I would be stupid not to considering the program’s reputation). That means 4 more years of study, though also 4 more years without substantial income. I’m not sure if putting off grad school just to go work is smart though, considering how volatile it is out there. With friends my age losing their new jobs left and right, I’m afraid I’ll end up back at square one.
Any advice? I’ll be seeing a counselor about this soon.
In: Leasing
2 Sep 2010My ex-boyfriend is suing me for not being able to pay rent for the past 9 months. My legal lease with him expired after the first year and I have been here for over 2.5 years. I am behind on everything. The only job I have been able to find is working at a fast food restaurant making about $700 a month. I took care of all his property, vehicles, legal paperwork, etc. for all this time since he is overseas making $160K. Now he is suing me for back rent, lawyer fees, and court costs. I can’t even afford a lawyer right now and won’t be able to any time soon. My ex-husband messed up my credit and I was an Accountant. I have been turned down by jobs and recruiters as an Accountant because of this and no one has really been willing to give me a chance because of how extensive my prior career was. I owe all of my creditors and have extensive credit default on my credit report now. I don’t see any way out of this. I think my only resort will have to be filing bankruptcy. I can’t even afford rent anywhere else. Can they take my car, my only asset to appease this judgment? Can I file bankruptcy on this judgment and will I be albe to keep my vehicle? It’s the only thing I have left.
I don’t want to terminate my lease, I just want to pay it off a year early. Since I would still have a year left, would I be required to purchase at that point since I want to keep it? My lease agreement says I’m allowed to pay it off early it just doesn’t say if I have to turn it in or purchase at that point. I’d ask the bank but I just thought of this question and the call center isn’t open on Saturdays. I’m just curious and will call on Monday if no one can help me. Thanks in advance
I’m a 24 year-old working a full-time job for 32k a year. It’s my first job right out of college and it looks like it has some long term potential. I’ve only been there 6 months. Is this enough to get approved for an FHA loan if I can prove I am financial responsible?
I think it says you need 2 years of work experience. I worked part-time at a supermarket for almost 5 years all through college. My last two years of income are pretty weak… 13k for 2009 and ~10k for 2008. I was going to school full time and I’ve read that FHA looks at that. However, I was told it only counts if it’s in a related field. I got a BA in Radio-Television Production and now I’m working at a Technical University as a Teacher’s Assistant in the Business Department. I don’t know how I found myself in education but whatever…
Also I can show that I have about 15k in stocks and in my bank. 32k a year is pretty decent I should be able to handle an 800 dollar a month payment. My credit score is also 730 and I have no car payment, no credit card debt, and no rent because I’ve been living with my parents. I would think that any reasonable lender would see me as financially responsible. I’ve spent the last year saving for this moment… to buy a home.
I’m just worried about the work requirement. Every time I’ve got rough numbers from someone on the phone they always tell me that my work would be the only thing holding me back. But I mean come on! 5 years at a supermarket and half a year at a university. I obviously can handle a job.
I hope to get a loan of around 105-110k. I would probably put the minimum 3.5% down then bust my butt over the next few years to get up to 20% so I can get rid of mortgage insurance (that’s how it works right?)
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