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I really enjoyed your page so I’ll definitely keep you in my feed reader
this for future reference!

nice post, thx for sharing it

Depends on what the tax rate is. Are you talking about sales tax or income tax. Multiply the tax rate by your total ($127.50) and that will be your tax.

depends on your interest rate

lets say you did a 30 year 5% fixed

1825.19 would be your monthly

http://public.propertylinx.com/custom/templates/mortgage_calculator.asp?price=350000

here’s a calculator.. toss around your own numbers.

Umm, tax depends on where you are. In Los Angeles, it’s 8.25%. Your location might be higher or lower. Every city determines their own sales tax rate.

Get the tax, for instance, 8.25%. The % sign means to move the digit to the left twice, so now you get 0.0825 . Multiply this number to the amount, and you’ll get your tax, for instance:

0.0825 * 127.50 = 10.51875

Round it, and it’ll be $10.52.

If you’re buying something, and you want to add the tax automatically, change the number before the decimal place to 1, so that you get:
1.0825 * 127.50 = 138.01875, which is $137.02 when you round it up.

That depends on your interest rate, insurance, tax, term of the loan and the cost of mortgage insurance (which you will need with so small a down payment).

if you have an OK credit, about 2700 with prop. tax and ins.

I’ve been in Finance for so long that I’ve decided that I wanted to do a different degree that was along the lines of my future goals… Law. I did my BBA in Legal Studies. I was a Finance major at first. I will suggest that you stick with the Finance Major vs the Business Administration. I mean if you think about what exactly is the B.A. offering you when the bottom line of the degree is in Business Administration? To have a specialty gives you a ‘know-how’ that makes you more adept in taking on positions that offer stellar pay as Finance and Accounting is known for. Each person is different in terms of what they want to do with their future goals. I normally see students minor in Business Administration if their Undergraduate Degree is in a totally different realm. This is only to signal to the employer that you are versatile and have business skills. If you are a business student I suggest Finance if this is what you want. Finance is definitely interesting and keeps you on the toes not just in the sense of performing statistical analysis but also conducting market and financial research including technical analysis which keeps you in the loop of world news as much as national news. You begin to witness the chain in global commerce & media and how it effects one another and inevitably effects the market as well as consumers far and near.

Another point that comes to mind is the institution that is granting the Finance degree. What is their reputation in the Finance Department? Are they first class? Are they top-rated? Usually the “glamourous pay but slave to your job” are firms off of W-Street which hit Ivy league schools to join their Associate or Summer programs. These programs, once selected ..highly selective, gear you up for positions such as equity or fixed-income analysts. Again, the pay is here, the perks are there, but you get no life. If you’re looking to have that lifestyle then ensure your alma-matter can deliver. Your grades will obviously have to stand on its own and well .. if you have connections then use them.
If you want something more exciting in Business then go for Marketing. I’m leaning to the Marketing aspect in my MBA program which will play instrumental in my Entertainment Law (Law, Marketing, Finance (Budgeting)).

Good luck with everything.

P.S. I suggest you take a few finance classes (required and as an elective) before you decide.

Don’t think it is worth the trouble with – $ 5000.

The revenue at home might have a problem, ? not the U.S.
etc.

Also – their is a possible currency risk or loss ?? etc.

Savings Account, Funds, ETFs are another idea. ok

Yes and no. It depends on the lease. Some are “closed” end leases. That means in the lease the final disposition of the car is spelled out in the lease. Usually a closed end lease at the end of the lease term the car is given back to the lessor. Some times there will be a purchase option clause in the lease as well. Usually 60 days prior to the end of a closed end lease the lessor will call and find out with you want to do. Usually offer to sell you the car at the price in the lease or turn that car in a lease another. Closed end leases most always have total mileage restrictions of about 12-15,000 miles a year. An “open” end lease has lease end options spelled out in it. The options all hold you responsible for the value of the car. These types of leases do not usually have mileage restrictions because there is a “baloon” payment due at the end that you will have to pay or sell the car to pay. Years ago many car dealers were writting low payment leases on high end cars with massive baloon payments at the end people were responsible for. The US goverment stepped in to stop it. I used to see ads for lincolns at 199 a month for 36 months. The baloon at the end was 30,000. All you were paying each month was interest. Read the lease, understand what your signing. A good lease is a zero down lease with a plain english lease term and buy out clause at the end. General rule of thumb. If you buy a new car every 2-3 years and drive 10-15K a year look at leasing. If you keep your car for ever or more then 4 years don’t lease. if you don’t have a business to write it off of, don’t lease. if you drive more then 15,000 a years, don’t lease.

The US always welcomes money. so yes you can do it. either through your bank or you can open an account with a broker. but i don’t know if this is the best scenario for you. depending where you are from. some countries are experiencing a good blooming economies which you might get more return on your money. 5000 dollars isn’t that much to start with adding up the transfer fees and the low return you usually get back from these alternative investments. i don’t think its worth it. but look into it.

how baout doing a bake sale, car wash, dog wash, garage sale…..
These are all effortless ideas to raise money.

You cannot depreciate a rented asset and you can claim a deduction on the rental as a cost of doing business.

A company I used to work for sold their company jet and rented it back from the same company for this reason.

Get a Dave Ramsey book… he is amazing at helping people get out of debt… Good Luck.

Sharebuilder is an excellent company to purchase stocks with if you are opening a DRIP Plan.

DRIP’s are seldom talked about because brokers make very little money when they suggest them. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street.

They are perfect for small investors, as well as big investors. They are safe and allow you to not care about whether the market is going up or down.

However, DRIP Plans are most effective on a long-term basis. If you do not plan on keeping you money in them for atleast 5 years, you might consider other options.

Be careful about mutual funds. People will lead you to believe that they are a safe haven. About 75% of them under perform the stock market. All of them have management fees, and some of them have sales loads.

There are good mutual funds available, but you really have to look at their track records.

Ask your parents for some guidance.

Better put your savings into a high interest account @12% APY as I did and get a guaranteed income.
This is the best and safest investment for you.

Investing in stocks is too risky for you as a beginner.
Contact me for more details (check my profile).

Good luck!

There’s an interesting book titled “Rich Dad, Poor Dad.” You may want to check it out.

I would seek a financial professional. I met with a Primerica representative and they help me get out of debt. There is no fee to see them and they gave me a free financial needs analysis. Since they don’t charge clients anything, they do ask for referrals, which I had no problem with.

Balloon financing allows you to have low payments with a large final payment. Most people can not make the final payment and end up getting rid of the car before the balloon payment is due. Just know that if you do get rid of the vehicle, you have not been paying on the principle as much so you will still owe alot more than standard financing. If balloon financing is the only way you can get into the vehicle because of the cheaper payments, then you are buying more car than you can afford. This is the same problem you are seeing in the housing crisis. A general rule is pay now or pay later.

There are mutual funds that do that. Suggest that she research mutual funds. When she finds one she likes, look at it’s IRA plan.
Another option would be the local bank for starters.
Avoid DRIPs which are just one company stock.

Suggest that she look at a ROTH IRA … not the traditional IRA. Below are some examples and one mutual fund company that used to accept automatic monthly investments of $25.00 per month, I do not know what their minimum monthly is now.

As always, investigate before you invest.

They do not have to offer you the lower rate. About your only chance is to tell them you are going to move if they don’t give you the lower rate.

You might do a little shopping around. You might find a great deal just around the corner and you can use that as leverage.

If you absolutely don’t want to move, and if they won’t come down on the rate, then you’re stuck with the current one.

Good Luck!

the park is the perfect place.
do..
umm.
idk.
but the park is a good place

I was in debt about till about 6 months ago. I found this free E-Book that basically answered every single one of my question and helped me get totally out of debt. Its at http://www.inarinbows.com/debt .It was %100 free and within 20 seconds your emailed both ebooks. I now am able to answer the phone every time it rings and actually know for the first time in my life its not a creditor.check out http://www.inarinbows.com/debt

I’d suggestion contact your bank, credit card company or perhaps asking your family or friends.

It looks the same as if you were financing a car. Your credit report will list the financial institution that you make your payments to, and the amount of your monthly payment.

It will show as a lease and it will be a installment loan just like when you buy one.

The answer may be here.

When a senior lien forecloses, a junior lien is wiped out.

So if the first mortgage holder forecloses, the second trust deed goes away. If the second forecloses, you’ll still owe the first.

Oftentimes, if a senior lien forecloses, the junior lien holder will send a representative to the auction to defend its interests by making sure the property goes for enough to pay the junior lien as well. Or they buy it themselves with the idea of reselling. Costs money, yes. But better than losing their whole investment.

http://www.exinfm.com/free_spreadsheets.html

You would need a credit score of at lease 620 in order to qualify…plus a down payment of 10%-20%. Without credit, the lender may be willing to accept a co-signer with established credit.

It’s going to be awfully hard, but if you can supply a 20% down payment, and prove your income with tax returns, you have a very good chance. Good luck!

For some people 20% is a lot to put down. There are many instances where the parents could help out. They can sign onto the mortgage as a guarantor. After one year they can be removed from the mortgage through a lawyer. Lenders want to see that you are good with credit prove your responsible and lenders will have no problem with you in the future. There are many times a guarantor is needed for younger professionals without any credit history. Speak to a mortgage broker they can help you.

The slow way is to get a credit card from your bank and start using it. Make sure your payments are on time and in 3-6 months you will start seeing your score. Typically, you need 1 or 2 open lines of trade (credit card, line of credit, personal loan) to get a higher score. Make sure you make your credit card payments right away and try not to carry any balances over to the next month. Keep your statement balance at $0 while using your card regularly

creditreport.imess.net – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

If there is no debt increases involved, then does the mortgage company really need to know about your home business? Go to http://www.businessstarterpackage.com/articles.html and check out all of the articles on this very sort of thing. You can find all you need to know there.

depends o the lease but prolly payin money

Run and run fast from these companies.
I can’t tell you the number of complaints on here about them.
They only take your money, tell you not to pay your bills, they don’t pay your bills, and you end up in court anyway.

Please google debt negotiation complaint to see how it all works.
If it works, you will have paid thousands of dollars that you could have paid to the credit card companies yourself.

Get a book on debt.
It will teach you how to negotiate, reduce interest, or settle.

Or google NFCC.org
national foundation for consumer credit councelling.
click on an office near you, and make an appointment.
There is no fee for this federal program.

You can do this yourself – don’t get taken by horrendous crooks…..

Each debt consolidation service involves different criteria. All of them start with you gathering all your credit statements to total your debt. Choose a non-profit service for non bias help. Stay away from the online debt consolidation services if you can in my opinion, unless they have a brick and mortar office.

2 months notice. write a letter say you dont want the apt. and your done with it as long as the 2 months comes before school starts

It depends on the amount of debt you have…how much do you have?

The discount you get depends on the amount of debt you have and your creditor. If you go for a reputable company like freedom debt relief then the chances are that you get maximum benefit. I did my settlement with the help of freedom debt relief’s debt reduction program. I am pretty satisfied with their service, they even have a good track record, so you can go with them.

The problem with credit counseling is that it’ll take you 5 to 7 years to complete since it can only reduce a minor portion of your interest rates. According to Consumer Reports, the credit counseling dropout rate is 79%! Unfortunately, many of these people end up doing bankruptcy. The dropout rate is so high because credit counseling gives people monthly payments as the same minimums they were struggling with and since it only reduces interest, it barely reduces your debt. Another problem with credit counseling os that it appears negatively on your credit report telling other creditors you were unfit to mage your debt and had to hire a credit counselor. The good news is that I can get you a low monthly payment and slash as much as 70% off your total debt including principal, interest, and fees and we won’t show on your credit report. i used this company called debtfreeleague. they are a debt settlement company which are amazing. i had 10k in debt and with them i only paid $4,500 and did it in less time than if i was just sending my minimum payments. i really recomend that you try them., tey are the best settlement company.

i just did the same thing- 12 month contract and i broke it 4 months in and they made me pay 8 months rent anyway, pretty nice apt tho

No one can answer this for you.

You must lread carefully the lease agreement you signed; that should spell out what penalties, if any, there are.

The penalties could be severe to none. You may even have room to negotiate your way out of it–maybe not.

But, again, the only way you’re ever going to find out is to review that document.

You might lose your deposit.

Depends on what the lease states but most of the time the lease will be that you lose your deposit and will be responsible for the rent for the apt until it is rented once you move for up to the lease expires once the apt is rented to someone else then you are off the hook but if it sits there for the entire term of the lease then they can make you pay the rent for those months. I would try talking to the lease holder and see if there is any other way of getting out of the lease I think by law there is also some terms on that but it is iffy I think if it is an emergency health issues or the apt is not up to health codes or not maintained correctly then usually it is a legal reason for not upholding the lease but only if the land lord neglects correcting the problem. If you have not moved into the apt and there is no cleaning or repair fees then now would be the time to talk to the lease holder they may just keep the deposit and let you out of the lease some are willing to listen to reason while others are hard core Good Luck I rent a house and I don’t even do a lease or deposit it’s just to me something that makes it worse to get a tenant and I know I take a loss now and then but I try to be fair about it all it never hurts to try you have nothing to lose.

It should be spelled out in the lease you signed. There may be acceptable ways to break the lease so read your entire lease carefully. Leases are legal and binding. If all else fails, talk to your landlord and remember he or she is a person and may listen to reason and give you a break since there is time enough to rent the apartment again before your lease time starts. Pretty much you can count on losing your deposit. . .

I dont know of any………maybe hard money loan but you’ll have to bring in a big down payment.
Why would you place an offer without working out the financing first? Hope it was contingent upon financing.

Ask the bank that accepted your offer if they will finance…….they did at one point.

Good Luck

This would only be a factor if you were getting a mortgage to buy a house. If you have a good credit and meet their income requirements then having a large amount of debt should not affect your ability to rent.

Are you working with a Realtor? Ask them to suggest someone.

If not, Find a Mortgage Broker/Banker who can shop the market for you and find an investor who will finance you.

If you cant find anyone, I hope you made the offer contingent on you finding financing, if not, you are out of your earnest money when you back out.

Good Luck!

It’s hard to say, as this is to the discretion of the landlord. They aren’t regulated by a set of policies as a state regulated lending facility would be like a bank or mortgage broker. if you show good credit, good history and ability to make payments on time, then there shouldn’t be too much problem.

I would definitely suggest, however, that you learn a few tips on how to manage money and budgeting so that you can get a handle on the credit and improve your credit score. Just imagine paying down some of those pesky cards and banking a few thousand for an emergency fund and a down payment on a house.

I hope the link below will help answer your question in more detail, and for more tips, or our free ebook, check out links 2 and 3.

When your federal educational loans are in default, you have several options:

You can repay the loan in full.
You can negotiate a new payment plan with your lender.
You can “rehabilitate” your loan.
You can consolidate your loan.

Obviously option one is rarely attractive or possible for defaulted borrowers.

Option two (renegotiate) should be investigated fully – most borrowers skip this step, but it’s probably the best option for most people. Call your lender and ask to speak to someone in the “Workout” Department. Explain your situation to them (there’s nothing unusual about it) and ask what options are available to you for switching to a graduated, extended or income-sensitive repayment plan. If your lender will agree to change your repayment plan, a few regular payments will get your default status removed, and the new plan may be easier for you to keep up with.

Option three (rehabilitation) is really a specific form of a workout agreement. It probably won’t help you much in your situation, because it requires an agreement between you and the lender that will allow you to make 9 consecutive on-time payments of some agreed-upon amount.

Option four is everyone’s favorite, but you must absolutely understand what a consolidation loan will do. To keep this utterly simple – a consolidation loan is a brand new loan that will pay off your old, defaulted loan. A consolidation loan MAY lower your monthly payments, but understand how this works. A consolidation loan never lowers your payments by wiping away some of your debt – a consolidation loan lowers your payments by stretching out the length of your loan. If you pay less every month, you’ll make many additional monthly payments, and – in the end – you’ll pay far more back than you would have paid on the original loan.

As an example: Suppose I lent you $100 and you agreed to pay me back in 2 weeks by paying me $50 a week. You came back a few days later and explained that you weren’t going to be able to afford to pay me $50 – is there something else we could do? “Oh, absolutely,” I’d say, gallantly. “Instead of paying me $50 a week for 2 weeks, how about if you only pay me $10 a week for 17 weeks?”

See – in the end, you’ll pay me back $170 instead of $100 – that’s how a consolidation loan works. But remember – we’re not talking a $100 loan for a couple of weeks – by the time you pay that $5000 loan of yours back over many years, you’ll pay a few thousand more than you might have paid if you didn’t consolidate that loan.

Try this site

http://free-college-information-usa.blogspot.com/

Free College information on financial aid for students, scholarship, student loans and more.

If you already have the mortgage, you could threaten to switch the loan to a different lender. If you are just getting the loan, negotiate. Tell them you won’t accept a loan that has PMI. Anything can be negotiated.

PMI protects the lender in case your loan goes into default. The only way to have it removed is when you owe less than 80% of your home’s value.

Unless you bring 20% down to the table, you are paying PMI. Your credit score and arrogance does nothing here.

You’ll need a good solid business plan and have figures and answers to back it up. Plus some money out of your own pocket.

Great book that will answer all of your questions and is really easy to read: The Bogleheads’ Guide to Investing

Texas bound eh? Welcome to a whole ‘nother country! I relocated to Ft Worth two years ago from San Diego. I like it here, especially every month when I pay my tiny little mortgage payment! As for the cash out thing, 2nd mortgage lenders are really tight on recent prior BK’s. If you have a lot of equity in your home, you can get something decent and get a good loan on your new residence. Are you thinking of keeping the old place as investment? Or just using the equity to move, then sell after you get here? There are a few considerations you have to make. More than I can go into here. I would be happy to help answer questions and share some of what I have learned. Feel free to contact me at http://www.ahdevito.com

I would have to say yes to both of your questions. You can refinancing your current home and pull cash out to put down on the new home. You can also rent out the current home to off set your monthly obligations. So, you will be getting cash out the home and getting a tenant to pay your current mortgage. But, if you can get a tenant to rent out your home in the time you have to move. Your mortgage lender would simply have to make sure your debt to income ratios will allow you to take on two mortgages. As for the BK most lender would require you to have it discharged for at least 24 months. The lenders that would allow you to get a loan with a BK discharged for a couple of day would give you a higher rate as well as a lower loan amount. Which basically means you’ll have to put down more money then you’d like too.

Start with a no-load mutual fund. American Century is one of many companies that can help you with this. Stocks and bonds are a bit more labor intensive. A mutual fund invests the money for you, and spreads the risk over many types of investments. So, for instance, American Century will have high risk funds that have a greater average rate of return, but more risk, and low risk funds, that are heavily invested in blue chip stocks and other stable opportunities. And, there is no minimum….the trick is consistency. Invest, say…$100 a month. Period. Every month. No matter what. If you can afford more, great. But, investing is a long-term way to financial freedom, not a short term way to get rich.

Refinance after bankruptcy is pretty much like substituting it with a completely new mortgage. And second mortgage is one such option for you. It’s good for you to know that you can actually refinance with second mortgage even though if you are suffering from bad credit. So look out for good reliable lender and work on refinancing.
For more on bankruptcy mortgage refinance and second mortgage refinancing, log in to: http://www.4refinancemortgage.com/yourmortgagebasics/second_mortgage.html
http://www.4refinancemortgage.com/yourmortgagebasics/refinancebankruptcy.html respectively.

You will need a broker. Online brokers are cheaper and not all of them are equal. I use Scottrade because they are small investor friendly and won’t rip you off. You can type “stock broker” in your search engine and you will find several. If you go to MotleyFool.com under “Investing,” “compare brokers”, they will show a few to compare. ShareBuilder has no minimum for example. Watch out for monthly maintainence fees, Amertrade has that, it will eat your profits.

1. Learn all you can about investing or you’ll lose it all guranteed!

2. Get yourself a good discount broker.

3. Only invest money you can afford to lose.

4. Have at least $500 as a bare minimum.

Good luck and happy investing!

The best place for advice on investing is Money magazine. It free at the library.

if we wuz sittin around sum evening wit sum beer , I could see wut you wanted and cud say maybe what 2 tyr

investing in your 401(k) is a great idea, because they will take the amount out of your salary before taxes are taken out, so you get a little bit of money invested which would have otherwise gone to the state or fed.

if you are leary about aggressive investing, try putting your money into a money market (very stable & ok rates) or into CDs (very conservative but guaranteed returns).

you can also open an online savings account. all of the big banks are currently offering them (hsbc, citibank, ing, etc). i currently have one with ing direct (www.ingdirect.com) & am getting a return of about 4.75%

read investing for dummies – classic yellow dummies book, which will simplify everything for you. good luck!

Certificates of Deposit with a high interest pecentage yield.

The best thing to do is place your money into a money market account at a Credit Union. It has no risk and a high percentage rate back. You might need to save a while first as many have a minimum deposit amount, but it is definitely a great choice long term as apposed to a regular savings account. If you would have started when you were 20 and put in $2,000., you would have over 1 Million by the time you were 65. It really is a great way to safely invest your money.

I deal with a lot of things regarding politics and the troops – and I am unaware of any national fundraising organization benefiting the troops returning from Iraq and Afghanistan

I would like to see a website and know the name of this group

Dont invest more than you can afford to lose. If they have had a huge return depending on how big its been they could be in small cap also known as oenny stocks which are very risky and you could lose alot if not all. Also if its went up alot latley i could be in need of a correction were the price would pu;; back. Hope this helps a little.

I have been a reporter and author on the debt industry for over 4 years. I have reviewed several companies in regards to Christian debt consolidation as several of my readers have asked this exact question. The main thing to look for is a company that offers several options, a free consultation, and has an excellent BBB rating. I have tried over 35 different services and this one has been the best above all others:

http://www.ChristianDebtConsolidation.com

You will notice that it has a legitimate website URL and is not being used for marketing purposes like the other answers submitted to this question.

first of all invest only some portion of your income in shares. you should diverisfy your investment ie in bank FD, public provident fund,postal scheme, NPS, shares and mutual funds. don’t invest so much in one time. increase investment gradually. read business news through economics times or magazines. watch business news channel.
invest only when you have through knowledge when you know what are you going to do what whould be its result.
more over do use yahoo answers facility for getting any type of knowledge.
inspite of investing heavy amount in starting first invest small amount and learn various pros and cons of investing in shares.
I hope it will help you.
All the best for investing.

I also us http://www.daveramsey.com go there and look up debt snow ball it’s on his web site how to do it for free its not Easy but works I paid of $20,000 in credit card debt and my brother paid $35k in about 2 years as for the debt (con)-solidation there just out for your money.

earning per share
track record of the company
P/E ratio

http://debtreliefreviews.net/ has a lot of good information on debt consolidation.

As you are very new in this sector, you have to make determined that you will be dedicated in share market. Then you need to invest such type of money that is rest. if you be looser there is no matter. study about the new company and read more from internet.

You might want to consider running a chartiy race night the site below has some free useful advice.

http://www.globalracenight.com

If you need more fundraising tips and ideas check out http://www.good-fundraising-ideas.com

your credit report will only determine your deposit amount. we had bad credit but we still got the apartment. We just had to pay a higher deposit, and the monthly payment most likely went up a little bit. but as long as you arent delinquent, in collections, or bankrupt.

Work with the dealer who is selling the bike. They usually can hook you up with a way of securing a loan for a bike. Sometimes even with bad credit.

All I can say is, if you own the motorcycle, take it back. If he does, tell him to get a title loan. He can make payments but depends on what he still owes you.

I don’t know the numbers, but it is an astronomical amount.

Save at least $10,000.

am a professional and I will tell you what my clients pay me thousands in advisory fees for, get the book How to Make Money in Stocks by William O’Neil. It will teach you from the beginning how the stock market works and the best stocks to work with. The part that differentiates is the Market aspect of the CANSLIM formula. O’Neils system timed out the market in March of 2000 and September of 2008 and marked the turnaround on March 12 2009. Everybody is lost. It takes time to learn, so before you put real money in, paper trade using Yahoo Portfolios.

A few popular ones is Quicken, and Microsoft Money. If you’re interested in managing your money, there’s an interesting free one at wesabe.com as well.

Investing takes a lot of knowledge.

With this knowledge, you will be able to lower risk significantly. But you have to be willing to learn about it.

There are only two ways to analyze stocks to invest in them. 1. Fundamental Analysis and 2. Technical Analsis.

I suggest you take the time out to learn #1. I’ve learned both, and actually learned about #2 before I learned #1. I can tell you right now, #1 is head over heels better.

Technical Analysis bases your investment decision on charts, patterns, moving averages, and market behavior.. I don’t know about you, but that is not good enough reason for me to put my hard money down for. It’s also used by many many day traders who are basically using the stock market as a casino. I would not go this route.

Fundamental Analysis is what you should learn. It has helped me a lot in understanding the world of business and investing. It helps me assess risk based on concrete evidence from the financial statements of companies.. things like that.

Start learning about the “fundamentals.” It will be well worth it.
It is the investment style of the great ones such as Warren Buffet.

If you’re a rookie in investing or stocks, go to

http://www.finance.yahoo.com.

Open up a portfolio without using real money. You can give yourself as much or as little money to try out the market. The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody’s got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That’s the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won’t lose money. It’s just that these stocks are the best. They pay good dividends too.

Then once you’re comfortable and test the waters of the market, you can finally put some real money in. Go to Scottrade.com. They’re excellent for beginners.

If you’re new to stocks, DON’T DAY TRADE. You’ll a rookie in a world of professionals. I tried day-trading with Citigroup and AIG when they were a little bit over $1. I had some luck at first, making about $30 a day but I was way over my head. My luck didn’t last long and I had to rethink my strategy.

Day trading involves A LOT of commissions to the broker. With all the commissions deducted from each trade, you’ll be lucky if you only lose half your money.

I would just day trade using Yahoo! Finance. Open a stimulation account, give yourself $100 worth of fake money and play it in the stimulation format. You’ll see what I mean by losing money every easily.

Good luck.

Get to know the basics of investing. Start with knowing what terminologies are used even though it may sound simple. Then progress to know the rules. Being informed and knowledgeable will help you to minimize your losses.

after 7 years it no longer affects your credit report

As a fundraiser you have limited contact with clients. You will be expected to write grants, set up fundraisers, set up fundraiser events, acknowledge donations, etc….

Why don’t you volunteer for an agency for a specific campaign? That way you can see what its like start to finish. Juvenile Diabetes Research Foundation, JDRF, is one where you can get your feet wet!!!

I think the best way for a beginner would be through an Exchange Traded Fund. Mutual Funds require thorough research because you are trying to evaluate the abilities of individuals to actively manage your portfolio. Rather than spend that time (and money through higher expense ratios), go with an ETF that will charge a tiny fee and give you broad exposure to the international markets.

My recommendation would be to check out the iShares EAFE index fund (Ticker: EFA). It will provide you liquid, diversified exposure to Europe, Australia/New Zealand, and the Far East (Ex-Japan). If you have a bigger appetite for risk, you might also consider the emerging markets – look at Ticker VWO from Vanguard or EEM from iShares.

You are always repsonibile, there have even been cases where peoples social security checks were partially taken until their old student loans were repaid. of course this is extreme but possible.

Unless you have a reasonable amount saved in a savings account already, be careful of investing in individual Co. stocks etc.
As some shares can go down as well as up, every few months ( beginners might sell to quickly ).
And have to incur broker fees, often etc.
So maybe learn about – Index Funds and ETFs. OK

If you don’t know much about investing and want to invest internationally, Buy an international mutual fund available at any mutual fund dealer.
The people that pick the stocks in these funds know what they are doing.

I think you could look at FOREX (Foreing Exchange Market). The bigest market in the world. Take a look at:

http://www.finanzasforex.com/prg……...

they are a Private Club of Investments in FOREX and offer very high interest funds. (10% to 23% month) and more 3000 investors just in this moment. You can gain access now for FREE to register and look inside.

Debt statute of limitations vary from state to state. It is usually 4 to 6 years. This just means that you cannot be sued for debt repayment after that time. The debt still exists and stays on you credit report for 7 years.
Be careful, if you send a partial payment during that time, the statute starts over again. Usually collectors look for a small payment, so the clocks starts for another 4 to 6 years

There are two things to consider.

1. Even if you are not legally bound to pay it, collectors can still trash your credit as long as the debt is less than 7 years old.

2. Each state has a statute of limitations on how long a collector may take legal action (sue you) on a debt. There’s a chart on bankrate.com that I’ve linked to below that provides the time limit for each state.

It varies form state to state. check this site out-

http://www.bankrate.com/brm/news/cc/20040116b2.asp#mt.asp

Find you state and it will tell you how long you are legally required

Call the hospital and see if they have any programs that can help. Last month when I ended up in the ER with my gallbladder we got put on a payment plan where we only pay off $28 a month until the bill is gone. The surgeons office also worked out a plan where we actually only have to pay half of what the bill would have been (because my dingbat husband cancled our health insurance back in May *smacks head against wall*).

You probably have to start off in apartment leasing and then can move on to bigger things. If you get some experience and show success, companies will hire you no matter what your educational background.

It doesnt. You will have a mortgage credit pull listed on your report which as long as you havent gone on a credit pulling spree wont even really calculate into your score.

It wasn’t that very clear, but from what I understood your co-signing on the loan. She’ll pay for the loan’s premium and interest. and that’s about it …

Remember: Who ever pays the student interest, that person will have the right to deduct those interest payments on their tax return (up 2,500).

The only thing that I can figure that will absolutely confirm that you are paying a student loan is that if at the beginning of the tax season, you receive a 1098-E “Student Loan Interest Statement” from your Lender.

Hopefully by next year this nightmare will be over, I say to wait it out and hope for the best but with there credit scores and there job history they should be just fine.. What state are they in? My fiancee owns a mortgage business here in FL. He would love to speak with them further. You can e-mail me at spagirl23188@yahoo.com

They’ll be fine. The people who are most affected by the credit tightening going on are people who
1. don’t have enough equity
2. don’t make enough money to realisticallycover the mortgage payment
3. have questionable/poor credit histories.
Since your parents don’t fall into either of those three areas, they’ll be able to refinance without any issues.
The big question about interest rates and if they’ll be lower next year or this year is ultimately anyone’s guess. Personally I’d probably refinance into a fixed rate now. Not because i’m positive rates won’t dip in the next year, but more because I know I’ll have to do it anyhow and just want to get it off my mind and stop worrying about it.

hav u tried raising thru doing car wash??….o even a walkathon or spellathon…n perhaps sale of tickets??

Profit potential is always worth it.

Here’s a link to the application required by the state. It included a list of requirements to be eligable. http://www.com.state.oh.us/dfi/documents/mainofficemortgagebrokerapppacket_000.pdf

I would start by getting some of the required education. You may want to also work for a company before typing to open your own brokerage. Even if you only work in a related field it will be very helpful later on. Such as as a real estate assistant to a successful real estate agent.

Anything is worth it if you have the aptitude and ability. You never know until you try. If you’re afraid to fail you will never accomplish anything, Sir Edmund Hillary (the first person to reach the top of Mt. Everest) said it is better to aim high and fail than to aim for the middle and succeed.

Yes, it’s worth it, especially now since prices are low due to the recession.

If you’re a rookie in investing or stocks, go to

http://www.finance.yahoo.com.

Open up a portfolio without using real money. You can give yourself as much or as little money to try out the market. The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody’s got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That’s the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won’t lose money. It’s just that these stocks are the best. They pay good dividends too.

Then once you’re comfortable and test the waters of the market, you can finally put some real money in. Go to Scottrade.com. They’re excellent for beginners.

If you’re new to stocks, DON’T DAY TRADE. You’ll a rookie in a world of professionals. I tried day-trading with Citigroup and AIG when they were a little bit over $1. I had some luck at first, making about $30 a day but I was way over my head. My luck didn’t last long and I had to rethink my strategy.

Day trading involves A LOT of commissions to the broker. With all the commissions deducted from each trade, you’ll be lucky if you only lose half your money.

I would just day trade using Yahoo! Finance. Open a stimulation account, give yourself $100 worth of fake money and play it in the stimulation format. You’ll see what I mean by losing money every easily.

Good luck.

Hide your card and don’t use it. Only pay for things you really need with cash. Pay as much of your balance off as you can. When it reaches 0 then pull your card out and use it on things that you could pay for in cash. Do not use it to buy things that will take you more than a month to pay off. Always pay the balance off in full each month.

I worked hard, saved, and always paid my bills on time. Throw away your credit cards (don’t use them for evey-day items, pay cash.) I only have and use ONE credit card. I paid my house off and have no auto loan.

YOU can do it.
I decided that I would not go out to eat lunch every day while at work
On the days that I needed to go out to eat if I could find a wendy’s I could get a side salad and a bowl of chili (with plenty of FREE crackers) and a cup of water for about $2.10.
I was amazed at how much I saved by just cutting out the ‘canteen’ while at work. If I needed a soda, I brought it from home…
I paid my niece (age 7) to be the ‘light police’ ! I went to the store and got a few rolls of dimes…everytime she would catch someone leaving a room without turning off a light she would get paid…she loved doing it and since it was so annoying my son got way better about doing it.
The biggest way that I saved money was taking a list to the store….(and eating before I went). If it was not on the store I could not buy it…that way I knew before hand nearly how much I was going to spend….and it forced me to actually MAKE dinner for the week….which of course doubled as lunch the next day…..
I also sold quite a bit of stuff on ebay. If I hadn’t worn in within two years….ebay was going to help me find someone who could…this was a ‘double bonus’ because it forced me to clean up…..
Lastly, I dedicated HALF of my income tax refund to managing debt!
Before I did ANYTHING else HALF went to pay down debt.
SInce I had two cards, I paid one of them off completely which allowed me to double up on the other
If you have small children – check out garage sales for great finds on clothing..often times you can get an entire summers worth of clothing for a 5 6 or 7 year old for less than $20.00 at a yard sale in one of the more exclusive neighborhoods in your town.
I went to one last year where everything I could fit into a bag was $2.00. i stuffed it full of jeans that he could pay in while playing at the daycare or outside….

Which brings me to ‘washing clothing only twice per week’
This allows me to make sure that I have a full load of clothing
Guess that is it for now but I did want to say that YOU CAN DO THIS
and a little sacrafice now will reap you loads of happiness later

HUGE CON: they put a limit on how many miles you can drive in a year and if you go over that ammount you pay out the you-know-what for every single mile you go over.
This happened to my mother in law and she ended up owing hundreds of dollars when she returned the car, and she hadnt even driven a lot over the set ammount.
I dont think youre right about the “the money goes to the purchase of the car, or if you dont want the car the money goes to the purchase of whatever car u want”… if you dont buy the car you leased you loose the money. like a rental

If you are somebody who doesn’t want limitations, dont do it. If you are someone who rarely drives, with no children, I say go for it. I handled leased vehicles in my last job and let me tell you, people are never fully informed of the if, ands, & buts of leasing. It goes further than just overage on mileage. If you decide you want something else before your lease is over, its hell. And the msrp after leasing if you decide you may want to buy the vehicle, will leave you stuck in a true rut

for starters you need to open a de-mat ac, try out the likes of icici, sharekhan, and a lot mpre, however Reliance Money the brokerage is very low.once u open the ac u can start trading and u can also get all the infor online…..

There are various leasing plans and some do require that you maintain the automobile, and all have a limit on your yearly and total mileage if you exceed you will pay a penalty. You also have to return the car in a reasonable condition, no big dents, scratches, etc, just normal wear and tear. With a lease your payment is definitely lower, but at the end of the lease term you do not own the car although you can buy it for the residual or even finance the residual (not a good idea).

Buying the car requires more money up front in order to get your payment down to compare with a lease, although a lease nowadays does require some up front money. In the old days you leased with no money up front at all and then it was really good.
The plus of course to buying the car is you can negotiate the price, you own the car when you finish paying for it, no mileage restrictions.

I don’t know where your boyfriend worked but selling or leasing a car gets the salesman the same commission, in fact sometimes a lease can bring in more commission.

Good luck – I just always suggest that you never buy a brand new car you lose too much on the depreciation. Lease returns, rental returns, repos, etc., are the way to go.

For year-round fundraising, take a look at Funderbug.
http://www.funderbug.com

Your group can sign up for free.

Contact information on the site if you have any questions.

You might want to consider running a chartiy race night the site below has some free useful advice.

http://www.globalracenight.com

I’ll tell you about some of my failures, you’ll certainly learn more from them!

When trying to pick the bottom of a stock that’s fallen a lot, don’t buy your whole position at once! I did that when I bought Kohl’s, KSS, at $60, and then it proceded to drop past $50. I eventually sold it around $49 I think, when in fact I should have been starting to buy some more around there. The point is you never know how low a stock price can go, so it’s best to not to put all your money in all at once, because your timing might be wrong.

The pay scale for Fundraising Managers vary from Organization to Organization. I did a contract coordinating the Making Strides Against Breast Cancer Walk for the American Cancer Society and made $3k/month (6 years ago in FL). Also, worked for a Food Bank for a while and made $38k and at a hospital for $43k. In my experience, Major Gifts coordinators make more–$45k and up. Upper Management in non profits can make in the 60’s on up (Note: stay away from organizations that offer you a “cut” for your efforts–it’s considered unethical and can often create a conflict of interest).

If you go to google and type in “salary calculator,” you can usually get salary averages for your area. Best of luck in your search. Non profits don’t always pay the most, but the work can sure be rewarding.

I spent over 30 years investing in stocks and mutual funds. I always used an “asset allocation” that suited my time horizon, risk tolerance and goals. I averaged around 3-5% more than the S&P 500 for most of those years. Fundemental analisis was my only source for stocks.
At $150 a year, Morningstar.com gives good Mutual Fund and Stock insights (never, ever, take a “good” rating as your only reason to invest in a product).

My biggest mistake was never using stops. I could have done a whole lot better with a defined exit plan.

Today I have 60% of my funds still invested for the long haul. The balance is traded (not investing) on a swing basis (sometimes on a day basis), using technicals as my only guide.

Learning charts is not easy. Trading is especially hard. 92%+ of all new traders fail.

I’m doing pretty good (for where I am in trading experiance). I’m still no where near my goals. This is hard work and takes an incredible amount of time and dedication. I’m reading books all the time. I just spent 5 days in Las Vegas at the “Traders Expo” and loved it.

Disipline is the key ingediant to trading success.

Investing and trading are not gambling. You don’t buy or sell because you “feel” it’s the right thing to do. You don’t “know” what the next day will bring… or the next 2 seconds for that matter. Success is rooted in your staying in reality.

Tips,leads etc. are the best way to get creamed. Media (TV, Radio, Press, magazines etc.) are little better. Make the right decisions, for the right reasons. I can’t push how important disipline and planning are.

If you’re interested. I’ll send you a list of books that can help you start exporing trading.

Good luck.

BTW: One other key point. Never put more than 2% of your investable assets into any one stock. The need to make a killing…. will kill you.

a home equity loan is a loan tha you can borrow from. its just like a second mortgage. yes it will add to how much longer you will own you home. you can borrow the difference in how much left you have to pay on your home and what you already paid. shot me an email if you would like me to help you get this loan. depending on what state you live in.

I’m not sure why you would want to get a home equity loan to pay off student loans. Typically interest rates on student loans are much lower than home equity loans. It is true that you can use interest paid on a home equity loan as a tax deduction, but you can also use interest paid on student loans as a deduction.

Pulling equity out of your house does not sound like a good option to refinance your student loans. You said you are trying to pay your bills off, what you will actually be doing is trading out student loan debt for home equity debt, which is a bad trade off and is not paying off your bills since you won’t be reducing your debt. Most likely the student loans will carry a lower interest rate than the home equity loan, but more importantly, if you can’t afford to make student loan payments at some point in your life your lender will work with you because it is unsecured debt. If you fall on hard times and can’t pay your ORIGINAL purchase money mortgage, the lender can foreclose on your home since that was the collateral but (in most cases) can’t come after your other assets. When you refinance your home, pull equity out of your home, or accrue any non-purchase money debt against your home you are exposing the rest of your assets to your lender. If you elect to do what you suggest and you are unable to make payments at some point in your life, your lender can come after all of your assets as opposed to none, with the student loan.

Also, student loan interest is tax deductible.

In an interest-only loan or mortgage the borrower only pays interest each month. This makes it cheaper than a conventional mortgage, in which part of each month’s payment goes towards the principal and part goes towards interest. These loans have become popular because the monthly payments are lower, allowing borrowers to afford a larger home.
However, these loans can be dangerous, especially in a down housing market. The interest rates are generally fixed for the first 1, 3 or 5 years. After that, they convert to a conventional loan, with a higher monthly payment. Most borrowers take on these loans because they assume they will sell the home before the interest rate increases. In a down market, they may not be able to sell. If they cannot afford the increased payment, they may have to default on the loan, and foreclose on the home. So, when the rate starts to adjust, you would need to refinance again. And, either get a fixed or another interest only adjustable. And, yes, I do believe you mean ARM. Although, if you have extra money every so often, you can pay down the principal in extra payments.

In an ‘interest only’ loan you never pay principal down at all, just pay interest only. when the loan term is over, you still owe the principal in full. These work best when you’re taking out a short term loan to, say, rehab a house that you intend to sell for more than you bought it for, so that you can reap the profit. These loans aren’t for the average person. These loans are for various terms, but usually short term (1-6 months, 1 year, etc) and are almost always fixed rate.

A “finance charge” is the fee you pay the bank for the convenience of them letting you borrow money. Some banks calculate your finance charge based upon your average daily balance within the month, while some calculate based on your balance at the time your invoice closes.

When you go about signing up for a credit card, the details will let you know what type of APR you’ll be getting. With it being your first credit card, you’re likely to get an APR around 20%. That means, the interest you’ll be charged YEARLY is 20%. To find what you’d be charged monthly, simply divide it by 12; it would end up being 1.67% per month.

As an example, if your balance was $100, your finance charge would be $1.67. That sounds cheap, but just remember, it adds up.

The other answers are mostly correct, however no interest only loan product allows for interest only payments throughout the term of the loan. They are all limited to a pre set interest only period with 15 years being the longest period I am aware of. These loans can be fixed rates as well. The best one I know of is a 40 year loan term with the first 10 years being interest only. This basically allows you to make smaller payments for the first 10 years, then having a traditional 30 year fixed rate over the remaining 30 years. There are also no rules that do not allow you to pay towards the principal during your interest only period. Many people will take an interest only loan for the security of having a smaller payment when they need it, but paying extra to principle when their budget allows. Anything you pay extra applies directly to your principal balance which will ultimately reduce your payment once the interest only period is expired.

Yep.

I don’t know the legal mumbo jumbo about it but if you share it, you could loose it.

yes

Absolutely not! Premarital assets would not be subject to seizure. Also a unsecured debt does not allow for the seizure of property to satisfy such debt. If she had taken a loan for a car, house,etc the lending agent may reposes such items for auction to satisfy an unpaid loan, but any agency other than the IRS is not lawfully authorised to seize property. The court systems will tell you that they can render a verdict but they are not a collection agency also. In some instances an insurance agency that insured an item such as a car or house that had been damaged by the defendant(your girl friend) may be granted a garnishment against her wages but that in no way grants authority to seize property of any kind. You also have the right to demand that a collection agency stop contacting you directly and deal with the matter through the judicial system. Should you marry your girlfriend and she did owe the IRS, simply do not put her name on any deed or title to any property that you owned before the marriage. Just because you get married that does not make any property you own joint property. Such as the instance that a person marries and then passes away. If he or she owned a house the surviving spouse does not automatically own the house. My wives father owned a home in San Francisco. He died and the new wife still lives in the home. However upon her death the house is to be sold and ALL monies acquired from the sale is to be divided among HIS children. So to answer your question,NO they cannot seize any of your property.

Both. They’ll look at your report to see what kind of accounts you have and if they’re in good standing. They’ll also look at your credit score because that is what determines how big of a risk it is for them to go into business with you.

If your score is decent, then don’t sweat it! Good luck!

They look at both what your score is, and what items you have that have affected that score. A leasing agency isn’t like a mortgage company, where your raw score is a straight assessment of your risk factor. The leasing agent wants to know whether your score is due to the fact that you have medical bills (for example), or because you have been sued by a previous landlord. Sometimes people with a lower score are taken before people with slightly better credit because of the person with the better credit having an eviction or fluctuation in employment.

The main reasons are tax considerations.

In a retirement account, depending on how you set up the account, either the contributions can be tax deductible (traditional IRA) or the withdrawals are tax free (Roth IRA).

In a general investment account, depending on how long you hold on to the account, the earnings are either taxed as ordinary income (short-term) or taxed at the lower capital gains tax rate (long-term).

If you have money eleigible to be protected under an IRA, you need to be there. General Investing designates that it’s non-retirement, non-tax protected. The advantages, beyond saving money, in the GI account, are whatever features that allow you to maximize your return while minimizing your risk.

First you must put together an introductory letter and include your service in
detail as to what you charge per repo etc –

Mail it to all the auto sellers in your phone book – the letter is an advertising tool
to let them know you’re around and available – and have some business cards
made up to send with the advertising material – this is the key

Make it presentable, realistic with the economic times now and you can be reasonable
with your charges for a while to gain some additional business – but it’s not going to
work as fast as overnight but it will let them know you’re around to help and that’s the
main objective an advertising campaign is your best bet.

The debt collection process

When you default on a loan or pay less than your contractual agreement – for instance, you have to pay a set percentage of the amount owing on credit cards or a minimum payment – your account will be passed to the firm’s own internal debt collection people. They will contact you to try to recover what is owed and to check your circumstances.

Most banks and financial organisations prefer – at least initially – to handle debt problems themselves. However, if the situation continues for any length of time or they are unable to come to an agreement with you, or you ignore their letters and/or phone calls, they may pass the debt on to a collection agency or try to recover their money some other way.

Any debt collection agency used by your creditors must work within the same legal restraints as the original financial organisation and cannot, for instance, try to demand money under threat of physical violence.

Often the letter you receive will indicate that you have to pay the full outstanding balance of the debt with a threat that if you do not, further serious action will be taken. Some people get frightened by this but it is essential you respond indicating why you cannot pay the full amount and sending a copy of your budget and repayment proposals.

Provided that you maintain the proposed payments, update the information in your budget when asked by your creditors to do so and provide evidence (like bank statements and payslips) when they are requested, most creditors should be prepared to help. However, if you do not voluntarily make payments to reduce your debts or keep to your repayment arrangement, the original financial organisation or the collection agency may apply to get a County Court Judgment(s) against you. In this case you will usually be sent a claim form. This gives you an opportunity to respond – either by defending the claim if you dispute it (using the form known as an N9B) or by offering to repay the debt by instalments (using the N9A form which has to be completed with the same sort of information that is included in your budget). In most cases, provided you complete this form, your proposals are realistic and you keep up the payments, no further action will be taken.

If you wish you can attend a hearing and explain your circumstances and present your personal budget but this is not normally necessary as long as you have returned the relevant paperwork within the time allowed and your budget is a realistic one. Failure to keep up the payments agreed can lead to further action. If you are employed and fail to make payments to a CCJ, an attachment of earnings order may be made against you. That means the instalments due will be taken directly from your salary by your employer before the balance is passed on to you.

If you are under a judgment(s) from the Court and fail to keep up payments, the creditor also has the right to instruct bailiffs to recover the amount due. This is the likely course of action if you are not working or are self employed and fail to keep up the agreed payments. Bailiffs might also be sent if you fail to reply to any letter from the Court that seeks further clarification of your position

doesnt matter….they’re both ‘installment’ loans on your credit report. i wouldnt take a bank loan because MOST LIKELY the interest isnt tax deductible like the student loan.

i would advise to have 2-3 credits…2 installment loans….can be student loan, auto loan or other loan…and a MORTGAGE!
make sure you keep low balances are on revolving accounts…and you should be go to go.

Credit card debt affects the studies seriously. Lack of concentration, focusing on excessive debts can lead to lower scores and GPA.

Lack of proper attention to studies, lower GPA’s, increased debt pressure can all lead to a point where student drops out from the college.

A high credit card debt can force a student to take up a part time or regular job, which often has a degrading effect on studies.

Though the student credit card is designed to give a good beginning to a person’s credit history but, excessive debt can cause a serious dent to credit score this factor alone can cause serious problems for students.

Due to a bad credit score which is the result of credit card debt, a student can face difficulties in finding apartments for rent.

Same factor can make insurance rates higher or unaffordable for students, because insurance companies find it risky to insure people with poor credit.

Getting a job also becomes difficult when a credit card debt causes poor credit history. The employer also shy away from people with poor financial skills and money management. Read more from: http://www.credit-card-gallery.com/article/273,10_ways_how_student_credit_card_debt_can_turn_your_college_life_into_hell

to answer your direct question… the debt is still with the original creditor, which is good. they may not be happy with the reduced payment, but as long as you are paying someting it does show intent. it is still a blotch on your credit but shows effort on your part. the collection process is similar in most cases- if your creditor sells your account to a debt collector, they will contact you and start making payment demands. it will usually take several months before a debt collector will pursue further action, such as suing you in court. the can’t garnish wages or freeze assets without a court order. keep doing what you’re doing- at least it shows you are not trying to evade your debt.

wat

According to the cell phone company rep that I spoke with, this is only possible if the company:

A) Actually has several different cell phone accounts that they rotate through, or

B) Uses an internet hack to send false caller ID information to your phone.

Option A is sneaky, while option B is flat out illegal.

I’d recommend that you contact your local Better Business Bureau to file a complaint against the collector. Make sure that you have the information on the debt as well as the name of the Debt collector company.

If you’ve kept a record of the numbers, you can go online and look up what company they have their phone service through, and file a harassment complaint with the phone company, which can get their phone access cut off.

Don’t give up, and don’t give in. Know your rights, and don’t let them threaten you. If necessary, find out if your phone can record the conversations, or use speaker phone and a tape recorder. Always be sure to inform the person you are recording that they are being recorded, or the tape won’t be good in court. And it’s amazing how nice people get when they think they are being recorded!

Google search for “Harassment Debt Collectors” for some more very good information.

* Debt collectors cannot contact you at work if the collector knows that your employer doesn’t approve of the calls.
* Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact.

If this debt collector keeps calling you after the debt has been paid, you need to inform the federal trade commission, consumer protection.

Hi,
I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It’s legitimate . I came across this company on NBC News Special Edition.Check it out here:
http://CreditSolution.ez-mart.biz

There are no specific loans for first time buyers. There are no federal mortgage loans as such. There are loans backed by the FHA. See the Fannie Mae or Freddie Mac websites for guides to home buying.

You can only claim space at home for a business if that space is separate from the house and is used 100% for the purpose of the business only. separate as in garage, room with doors, etc. A dining room with wide open areas into hall and kitchen is not a separate room. But a bedroom with door is.

If the space is used only for business, then the rule is the square foot of the space. To be proper have a home inspector come out and give you the exact sq. footage of your house and that room. Then by dividing your mortgage by your total sq. ft you know the value of each sq ft. Then that value by the sq ft of that room = your business rental space fee. You can measure this yourself but a home inspector actually will measure by the studs, not drywall. In turn giving you more space to write off.

Being self employed I do this trick. I live in apartment so I get a 2 bdrm. Making the master my office space I write off slightly more than 1/2 my rent each month as business rent.

Don’t forget to put cell phone in business name, write off. Buy all your computer items, paper, pens, etc by business credit or debit card, write off as office expenses. Even shirts, pants, shoes you wear for work, as that is uniform expenses.

There are no “first time home buyer” loans as such. There are loans available from FHA, VA and the USDA which don’t require as a big of a downpayment as a conventional loan. For example, the FHA only requires 3.5% down as compared to a conventional which wants 10%.

If you’re looking in a few months for a house, start saving for a downpayment NOW. The more you can put down, the lower your mortgage payments will be. If you can put 20% down, you don’t pay private mortgage insurance (PMI). Also, pull your credit reports from the 3 credit rating agencies. If there are any errors, get them cleaned up.

When you’re ready, get pre-approved for a mortgage. This will require the lender pulling your credit report, checking your last two years tax returns, last two months bank and investment statements and a month’s worth of paystubs. If you are approved, they will give you a letter with your approved amount. This way you don’t look at houses out of your price range.

Next, get a buyer’s agent. This is a realtor that works on YOUR behalf. Ask other people you know who have bought houses recently to see who they use and if they’d recommend them. They will show you houses in your price range with features you’re looking for. When you find the house you want, they will help you write the purchase agreement and make the offer. They will negotiate with the seller’s agent and help make you stay on schedule with items that need to be taken care of when buying a house. You don’t pay anything out of pocket for them as they split the commission with the seller’s agent.

When the seller accepts and signs the purchase agreement, go back to the lender who gave the pre-approval and officially apply for a mortgage. They will have the property appraised and if the sell price is less than the appraised price, they should approve the loan.

Also, you need to contact your insurance company and get homeowner’s insurance for the property. Mortgage lenders require this.

One thing you will want to do is get a home inspection. Your buyer’s agent should be able to recommend some home inspectors to you. They will go through the house inside and out and tell you of potential problems and things that will require maintenance.

If everything checks out, then all you’d have to do is sign the papers, get the keys and officially become a homeowner.

The donations will not be tax-exempt unless the organization receiving the donations is a qualified organization before the donations are received.

If you accept donations as described, they will be taxable to you and not deductible to any donor.

Yes, you will have to report this as unearned income. Tax will be up to 38% depending on your tax bracket.

Sue in small claims court

There is a difference between the statute of limitations, and the period of time where a debt should fall off of your credit report(s). The statute of limitation deals with the period of time a creditor or collection agency can get a judgment against you to collect the debt. This varies by state. The period of time where a debt falls off your credit report(s) is 7 years after the charge off date (typically 3-6 months) from the original lender.

Now what the collection agency has done sounds like what is called “re-aging.” This is where collection agencies (typically) will change the date when the account went bad (more than likely to the time when they bought the debt) to make it look like it is more current. This is illegal under the Fair Collection Reporting Act (FCRA), and the collection agency can be sued.

If the collection agency is contacting you then send them a certified, return receipt requested cease and desist letter. They should not contact you after that. Also, send the credit bureaus a certified, return receipt requested letter disputing this information stating that the date on the accounts in collections is incorrect. If the information is not properly updated then the credit bureaus are in violation of the FCRA, too.

you bargain with the landlord. getting permission is usually fairly easy since the improvements belong to the landlord after you do the work. getting the landlord to do some of the work, pay for some of it, or otherwise contribute is more difficult and may be possible.

GL

Asset Acceptance Corp has earned the distinction of one of “AMERICA’S WORST COLLECTION AGENCY’S”. They lie, steal, cheat, misrepresent, file bogus claims, create phony documents and commit perjury in the court system JUST to increase their bottom line.

You should contact them and let them know that you are aware of the illegal tactics they have used and if they don’t remove the item, you will seek civil action against them. Cite the following:

RE-DATING OF THE DEBT IN VIOLATION OF
[CITE: 15USC1681s-2] § 623. Responsibilities of furnishers of information to consumer reporting agencies
a) Duty of furnishers of information to provide accurate information (1) Prohibition (A) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if– (i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and (ii) the information is, in fact, inaccurate.

Here is a link to find out information about them:
http://www.budhibbs.com/debtcollectorpages/asset_acceptance_corp.htm

http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm
Download a pdf file regarding how to dispute with CRA’s

LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.

an interest only loan means you only pay the interest accruing.
the advantage is having lower payments, because you are not actually paying off what you owe.
you could do that for a year or two to clear your other commitments, or to wait for a child to enter school so both parents can work.
In Australia, you must finalise a home loan within 30 years of taking it…so paying interest only is actually increasing the rate that you must later pay.
If you are certain your home will increase in value, you could presumably pay interest only for an extended period then sell at a profit, clear your debt, and walk away with the remaining cash.
However, banks are reluctant to grant such conditions due to the uncertainty of selling at a profit.

The best way to do this is to get your annual free credit reports and find out who is reporting the bad debts.

Do NOT pay for any service that offers you credit reports – you get them free once per year from the Bureaus directly. A lot of places scam you into buying monitoring services and offer you credit reports, don’t fall for it. Visit the websites below and get your free reports.

Equifax: 1-800-525-6285
Experian (formerly TRW): 1-888-397-3742
Trans Union: 1-800-680-7289

Most collection agencies are not reporting members of the credit bureaus because they are not issuers of credit. They just buy old debt for pennies on the dollar and make an attempt to collect it. If they are not a reporting member, they cannot add anything to your credit record. So most of them are bluffing when they say they will report it on your credit record.

They have 7 yrs. They sold the account in most liklihood and the new owners are trying to get anything they can. you must decide if you want it reported or if you have the money to pay them at least a portion to get rid of them? I would do this and I did do this. Write them a certified letter, typed and state that you have received no information on these bills and have nothing showing the debt. Since you aren’t aware of it you have spoken to your lawyer and he told you to ask for the original itemized bill for the debt before you pay it. Now, most likely they don’t have it and the hospital or Dr. has written it off yrs. ago and did not keep records. if they can’t come up with proof then they may give it up. If they do it’s a different story. They have the next yr. until the seven yrs. to report it and then it will have to be removed, by law. It’s a tough call. If you have no plans to buy anything big in the next two yrs. ride it out…. if you are buying a home it may cause you problems. you can always settle for a fourth of the debt if they start up again after the letter. Also put at the botton cc: and a lawyer’s name to make it look good, and file and copy it. Mail it and do not call unless you have decided to pay less than the full amount to keep it off your record. I would ride it out unless I were really buying something and a lot of times car dealerships don’t look too much at old medical bills, just depends.

If you have not already gotten into a “Debt Settlement” program…DON’T.

These are companies that you basically pay them instead of your creditor(s). Only when you have enough money in the settlement account will they negotiate with the creditor. The problem is there is nothing that requires the creditor to accept the negotiation. Also, since you have stopped paying the creditor you are in default. Once you are in default the credit card company can file suit against you for the debt. If this happens the defense “I was paying a debt settlement company” is going to go no where in the eyes of the judge.

Now, if score was the only factor the higher score would be considered better. However, the score is not the only factor in determining if you qualify for a loan. Another factor is the Debt to Income ratio.

If the higher score had a higher debt to income ratio, they may not be approved. However, the lower score might be approved(at a slightly higher rate) because they have a lower debt to income ratio. Again this all depends on the specifics of each and is not a general or absolute statement.

Sorry man, but it’s a written contract.

Remember that long piece of paper you signed that said terms and conditions?

I’m shooting for 0% and once I get there, I’m never going back.

It really depends on more than simply assets and debt, and it also depends on what those assets and debt are. For instance, you have greater leverage (debt capacity) if you own your own home or some real estate. Banks deal in real estate all the time, and they know the market and what to do with the property should they have to foreclose.
However, if your assets consist of stuff like a car, sports memorabilia, a rare stamps collection, etc., you probably don’t want to (and can’t) go into as much debt. These assets don’t have well defined values or steady buyers. You’d be hard-pressed to find a lender willing to take these assets as collateral, so they’re not going to help you much.
To me, the most important aspect (aside from home value, if you own one) is your salary/earnings. If you have good job security and a decent salary, you can borrow more because lenders know you’ll pay it back. However, if you’re constantly looking over your shoulder wondering if you’re next in line to get canned, then you probably shouldn’t be taking on any debt right now.
So, for personal finance: higher salary/security + higher home value = higher debt ratio.
Hope this helps.

aside from rip you off, they pay ur debtors for you with ur money you pay them

don’t worry there are online sites for your debt problem . All of the answers to your questions and everything that you need to enroll in program are provided right there, online, and they will be explaining everything to you each step of the way. The best part is that you can do it all from the comfort and privacy of your home or office.thanks

You can negotiate yourself. It takes time and patience or you can get it done at http://clearmybills.com

messes up ur credit and chance to get mortgages.
visit dave ramsey.com to learn ur hard lessons from others mistakes.

you must 1st make sure they are reliable then what they do is have you put money in an account then they contact the people you owe and make a deal with them in some case’s they are able to cut your debt in 1/2

Most of these companies are just crooks as far as I’m concerned… they charge you a fee and do nothing to help you.

If you have financial problems, I would suggest to go explain your situation to the people you owe first. Most lenders understand if you are truthful with them and will help you.. The can lower your rate, extend your term etc.. to prevent you from taking bankruptcy.. From their stand point something is better than nothing. If you go to the lenders and try to work things out and do not succeed, then bankruptcy may be in order.. just depends on your situation..

Unless otherwise specified in a contract, Company A bought the debt, too.

In some cases, the premium is not so much buying incentive but to pay off the more onerous of debts the other company incurs. Sometimes the merger bargaining involves discussion of what to do with the debts.

Mergers can be a combining of peers, but usually a company subsumes another. The company taken over often had inferior resources to work with, including capital and debt issues. I’ve seen things where some units, say a region of stores were to be sold to pay off a debt issue that the buying company found disagreeable. Of course, they will also do that for other issues, such as one store chain I know sold its stores in a certain state because the union contract there held wages too high for their preferred model.

A takes on the debt, but then they could spin off a business, tack on the debt and have the other company declare bankrupcy (I heard that SLE tacked on their debt to the spin off company HBI).

There are two options. The acquiree pays off the debt before handing over the compay to the acquirer or the acquirer assumes the debts of the acquiree which is the more prevelent route. The acquirer finds ways to manage the debt acquired from the cash tranche the acquiree has or by selling off it’s assets or other cash generating strategies which it conjures up before acquisition. That is why many hybrid LBO’s fail because of the ‘poison pill route’ the acquiree takes when a hostile take over happens. In the 80’s the takeover of CBS by Ted Turner was thrwted by Lawrence Tisch the then Chairman of CBS this way.

Our lawyer said $20,000. But it varies with different lawyers!! Think about it very carefully its a life changing decision! BTW my annual income is $45,000.

Bankruptcy is a math issue and not really about personal limits .
The general rule is when your debts exceed your income (ability to pay ) ,
It is bankruptcy time .
( usually happens after job lay off or major medical issue )

>

It depends on how much you are in debt. If you cannot pay off the bills like make monthly payments and it is becoming overwhelming to your life and you have constant callers, then you should go and talk to a lawyer for advice.

If you are not that far in debt, but just cannot afford this try Chapter 13 where they work everything is together and go from there.

Chapter 7 Bankruptcy is tricky now since that law passed to prevent credit cards to be provided into Chapter 7. Most lawyers now want to get you into Chapter 13 to help you pay off your debt, and when it is paid off it leaves your credit report and you then get to keep all the items like your car, house, furniture (if on credit) and other items that can be taken away.

There is no number possible. The ONLY way I would consider bankruptcy is if I was in such bad shape my creditors filed for me.

There is no SOL on credit card debt. That is a myth. It is your debt and will be forever.

An old unpaid credit card debt is usually sold to a collection agency that will try to collect and/or sell it to another collection agency. It could haunt you forever.

The right thing to do is pay it.

Good luck.

Edit: So it’s not a myth? How do you explain this http://answers.yahoo.com/question/index?qid=20070411073613AAe0RQ7&r=w&pa=FZptHWf.BGRX3OFMhjJWUCsqcyzNIuIJNdFezanph4tcaqw6.A–&paid=answered#A60tWkzuM2Q9.hGGYrMq

Your credit score is a number based upon your credit report. As you grow in life you will find that it is one of the most important number affecting life and finances. The higher the credit score, the better it is. A higher score can help you find loans with low interest rates and quick turnaround times for approval. The more you understand your credit score and the factors that affect your credit score the easier it will be for you to keep your financial health in order. The following 5 critical factors affect your credit score in a major way. By knowing these you can keep a check on them and make your credit score a healthy one.

1. Re-payment history

This factor carries the highest weight in your credit report. How steadfast are you in repaying your loans, makes your credit report shine. Experts claim that this factor alone accounts for 35% of points in your credit score. So, if you falter on repayment front it is sure to be reflected poorly on your credit score.

2. Outstanding debt

The next comes your debt burden. How much you owe is a factor that according to experts carries about 30% weight in your credit score. This is
30% is based upon outstanding debt. To get a better score it is advised that you keep your outstanding debt to a minimum. get all information about it at: http://www.credit-card-gallery.com/article/204,5_critical_factors_affecting_your_credit_score

Its a legal scam. All it does it make your bill paying less complicated.

- Your credit score drops.. thats the one thing I know for sure.

If you are in a bind try contacting your creditors, many of them have hardship programs they can set you up on. Another option is CCCS, they will contact each of your creditors and submit a proposal which generally lowers your monthly payment and interest rate. I would not go to a Debt Settlement Company or Attorney. I work for a large global bank and we are done dealing with them. We’ve sent them letters advising them to stop taking on our Customers, and they continue to do so. They brainwash the Customer into thinking they will take care of everything. They tell these people not to answer their phone or open their bills. I know of three global banks that will not deal with them…Citi, GE Money, and Bank of America. Our company has taken a new stance…If we receive documentation from a debt settlement company along with a cease and desist we refer it to our attorney network to file the paperwork in your local court to try to obtain a judgement. So….I wouldn’t suggest one of those companies. CCCS or contacting your creditors directly is your best bet.

if they have the information,that can harass you in any time! until you pay for them http://www.alexgoo.com

Debt collectors will usually be provided with your name, social security number, date of birth, last known address, last known employer, current balance owed, and the reason for the underlying debt. If they need further information (such as an account ledger), they will contact their client.

There is no such thing as a criminal charge for non-payment of a debt. If, however, you fail to comply with a court order (such as an Order For Examination), you may have a bench warrant issued. Then you can be arrested. If the client wishes, they can give the collection agency permission to sue on their behalf.

Medical debt can and will affect your credit.
You can pay as much as you can, even $10 per month on it though and it will stay off your record.

You need to talk with the people at the hospital about setting up some type of payment arrangements. Somtimes if you agree to pay a certain amount they will take a % off your bill. As long as you pay on time you shouldn’t have to worry about it being sent to a collection agency.
Another suggestion….get a credit card that has 0% interest, roll all of your medical debt onto that card and pay as much as you can every month…when the time comes that 0% is no longer avaliable….roll the balance to another 0%card. Interest adds up.

Medical debt will absolutely affect your credit. Try to make arrangements with the medical facility to pay it down and then later dispute the medical collections with the credit bureaus, but only after you have paid the facility. Do not pay the collection agency. If the facility says you have to go through the collection agency make sure you negotiate with them to delete off your credit report when payment is made in full.

Looking for a debt consolidation loan? Freedom4U can compare the USA’s best debt consolidation loan deals online, and offer fast, specialist assistance, whatever your past or current debt problems.

Visit: http://dbt99.com

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Credit Card Debt Consolidation Advice on Becoming Debt Free

http://www.easy-creditcard.com/credit-card-debt-consolidation/credit-card-debt-consolidation-advice-on-becoming-debt-free/

If you owe money each month to several different credit cards then it could be a drain on your disposable income. You may find that almost every bit of what you are paying out monthly is only covering the interest as well. One way to take care of this issue is to consider credit card debt consolidation. It can help you to achieve your dream of being debt free in less time.

First, dispute the debt with them in writing. If you do that, they have to come up with the documentation proving that it is yours. If it is, then do what you can to pay it. If it is not, file a police report of identity theft. With that report, you will be able to dispute it off of your credit, which is where it is now.

Good luck!

that all depends on their debt to income ratios as well.The more they earn and the less they owe is the main factor

Last I checked Microsoft had no debt. Therefore a ratio comparison would be irrelevant.

Just take out a loan in the Dominican Republic, then use that money to pay off the loans in the US.

This sort of thing is called debt consolidation, people use it all the time to pay off high interest loans from credit cards with low interest loans like mortgages.

If you really wanted to pay of the debt, you would work at a job in a country that would allow you to pay off the debt instead of becoming a beach bum in the Caribbean.

Why is this question posted twice?

Why is this question posted twice?

Obviously, you have to go to the proper military directorate and see if there is any recourse. Sorry, I doubt you will get any relief, but there is no harm in trying.

Negative Items remain on your credit report for 7 years from the date of the negative item. So if the account was “charged-off” it will remain on the report for 7 years from the date of the last delinquency(missed payment). It does not mean the debt goes away, it just means that the creditors can no longer report it to the credit reporting agencies(TransUnion, experian, Equifax).

Creditors, and collection agencies, can not re-age a debt. So it does not matter how many times they transfer it, the date that matters is the original delinquency date. If she has debts that are more than 7 years she needs to send a dispute to the CRA’s to have it removed.

Now there is another item called the legal Statute of Limitations. This is a point after which they can no longer force you to pay by filing a suit against you. This is usually 3-6 years depending on the state you live in. So if she has them in the 4-7 year range there is a good chance they are outside of the SOL and can not take any legal actions. The link below gives you a break-down by state.

If she does want to pay them off, only communicate through the mail, NEVER negociate over the phone. Have her send her offer with what she can pay each month. Also, include that once she pays it off that they remove the collection account. DO NOT send any money to them until they have an agreement in writting from them that they approve.

seven just like the move seven year itch

Payments or offer of payment does NOT reage items on your credit report. It will however restart the clock on the statue of limitations.

Many collection agencies are suing for smaller sums and older debts. If you don’t show up in court, they will get a default judgment even if the debt is beyond the statue of limitations (SOL).

Also, charge accounts are normally considered “open” accounts and have shorter SOL but collection agencies have been successful in convincing judges that credit card accounts are written contracts which have much longer SOL.

Your friend should make sure all her current bills are brought up to date and paid on time. Then work on settling the bad debt one account at a time, working back newest to oldest.

Depending on your state laws it could be between 5-7 years, then companies cannot report that debt to the Credit Bureau’s. For example, in my state it is 7 years before the debt falls off and cannot reappear on the report.

How long ago did she try to make arrangements with the collection agency? Because this is when it gets dicey. No contact at all is better than contact. Unless she truly plans on paying the money back then DO NOT CONTACT. They can then start a new cycle making the debt practically new just because of the attempted negotiations.

If I were her, I would ride it out if like you said it is debt that has been default for 4-7 years. Towards the end of statute of limitations the collection agencies will file motions in court to sue. But those are just scare tactics. Unless she has stuff that can be seized for payment then don’t sweat it. Paying at this point will probably hurt her credit even more unless she makes a deal in writing that all the negative reports are erased.

lol

No, your rental contract spells that out.

The registered owner of the vehicle will receive the ticket if these are the result of photos taken of violating vehicles instead of a traffic cop stop.

The leasing company should have it in their contracts with the persons leasing that they are responsible for all tickets received while leasing so that the company is reimbursed.

your total income will be combined eg…rent and work and benefits of child allowance,then total cost of what your obligations are in maitaining the property for mother inlaw,then that is de deucted from the income of rent,then you will pay income tax on the remainder.
Kind Regards.
Tony the Accounts Manager.

There is a tab on this page that will take you to teh ponline payment side of the website.

how I start my fundraising letter?

Start with the word Please …

Even though your credit may be bad, there are still banks and
financial institutions that will approve you for a credit card.
Depending on your credit rating, the credit card company will
determine your total line of credit and the interest rate you will pay.

Here are a list of credit card companies that issue credit to people with bad credit.

Aspire Visa Card

• 30 second online response
• Rebuild your credit
• No security deposit required
• Accepted at more then 29 million locations
• Account access & online payment

New Millennium Bank Platinum Master Card

• Guaranteed issue
• Complimentary online services for account management and payments
• Be approved regardless of income or credit history
• Reports to the three major credit bureaus to rebuild your credit
• Up to $10,000 secured credit limit

First Premier Bank Gold Master Card

• Low APR on purchases
• Reports monthly to 4 major credit bureaus
• A credit card for those with less than perfect credit
• Quality customer service
• Accepted where you see the Master Card or Visa logo
• Enjoy the benefit of 24-hour phone account access

Centennial Master Card

• Low APR on purchases
• Reports monthly to 4 major credit bureaus
• A credit card for those with less than perfect credit
• Quality customer service
• Accepted where you see the Master Card or Visa logo
• Enjoy the benefit of 24-hour phone account access

Orchard Bank Master Card

• A good credit card for people who are looking to re-establish their credit and would like the convenience of a Master Card
• Periodic credit limit increase reviews
• Reports to all 3 credit bureaus each month, which can help
improve your credit score
• Fraud, dispute and unauthorized use protection
• Free online account management and payment

USA Platinum

• Get a $7500 Platinum Credit Line regardless of credit history
• You have been selected to receive a $7500 Platinum Shopping
Card from USA Platinum
• Your approval is *guaranteed regardless of your credit history

USA Gold Credit Card

• Get a $5000 Gold Credit Line regardless of credit history
• You have been selected to receive a $5000 Gold Shopping Card from USA Gold
• Your approval is *guaranteed regardless of your credit history

Unlike the “crap” answers prior to mine, this is for real. Regardless of how much you put away, and no matter what brokerage you decide on, the thing is to do it asap.
The sooner you put money away, the better off you will be after you do retire. During the “crash” would have been the best time to invest. Reverse psychology is where you make money. When no one wants stocks, is when you buy.
And yes, you need to invest in stocks, as you still have 30 years to go before retiring. Put most in stocks or stock funds, and some in bonds or bond funds.
Also get a good broker to advise.

Yes, you will have to put down some cash again. It’s a whole new deal. The down-payment is there to off-set the cost of depreciation and to ensure that the dealer will come out ahead. You might be able to get a lower down, but it’ll depend on the dealer, how good of a sales person you are (because you are basiclly selling them on the reason you deserve a lower down payment), the total cost of the car, your trade-in value……lots of variables. Just negotiate until you feel comfortable withthe deal.

Congratulations !! This is YOUR LUCKY DAY
for the very next few days you are being given
the opportunity to save a good sum of money
on your tax bill while at the same time helping
some people who are in very serious need of
our help !!! Two very good things with one small
gift !!!!………..etc etc etc

credit cards.no.yes depend on selling price ,rate,residual value.cash down,time period…24,36,48,60 months….

Read the following book: “Investing For Dummies.” It is a great basic introduction to investing and fun to read.

There are several sites that you can go on to find things like key chains, rubber bracelets, pens, notepads etc..
Most of the stuff is not expensive so it shouldn’t be hard to sell….especially for a good cause.

http://www.justfundraising.com/kit/kit_in.cfm?referalcode=FRRS
http://www.wristbandsnow.com/store/wristband_ideas
http://www.apromotionaloutlet.com/specials2/bracelets.html

Like any other fund raising letter, it should start with Dear Occupant

Along with the list of websites that you have already recieved check out Suze Orman. She has a book that would be great to check out if you can – Young Fabulous and Broke. I have it and it’s easy to read and understand.
Good luck.

Here are some things you can do to get going: Get a real estate sales license. Look into training with ccim.com (CI 103 is about leasing). Decide on a serviceline such as office, industrial, retail or residential. Get a job with a commercial brokerage or a property manangement firm.

What happens is,
The lender is not going to release the title untill it is completely paid off, so you get the person to pay off the car and register it, thenyou get the title and give it to them
E-Z

Float–the amount of time it takes when you write a check to when the check shows back up to your bank for collection.

example: you write the check on Tuesday at Old Navy. They take it, you take your merchandise. They put the check in their bank for deposit credit to their account. Your check comes to your bank for collection against YOUR account. The whole process can take up to 5 days or so.

Available balance–Your bank account shows how much you have available to withdraw. Sometimes this is with ATM w/drawls sometimes without. Available balance is what you could come withdraw if you went to the bank right then and took out all your money. HOWEVER, if you have say 45 checks out and after you go withdraw all your money all those checks start coming in…you are in trouble.

Collected balance–What you have left after all your deposits have been collected (all the deposits you have made checks and cash have been posted and paid) and your payments/debits have been taken out is your collected balance.

ATM withdrawals and debit card purchases can really screw you up if you don’t keep a running total of what you have and what you use.

i am currently paying off a loan from american general. this business is not really to build up your credit. it is a loan company. the best way to build up credit is to get a secure credit card through your bank. this allows you to put lets say 300 dollars down on a card and use it to your discresion but you have to pay it back like a normal credit card. it would be in your best interest to get one of these cards and then when your bill comes, pay a little more than what your minimum payment is but that goes with any credit card. another good way to build credit up is jewelry bills. that is an easy way.

Here’s the site:

http://loansfast.com/

Even though I’m not really a big fan of mutual funds, even for beginners, here’s what you’d have to do to get started:

1) Decide what kind of account you want to open…. Retirement? College Savings? Brokerage?

2) Open the account you choose with an online broker:
Here’s the link for E*TRADE, if you decide to choose them.
https://us.etrade.com/e/t/welcome/openanaccount

3) Once your account is approved, and you’ve deposited money in it, you can begin to buy mutual funds. Which ones? Here’s the easiest for starters — an Index Fund….
VFINX — Vanguard 500 Index — mirrors the S&P 500 — very low cost, performance is the same as the performance of the S&P500.

4) How much to buy and when?
The best strategy for you, since you’re not really going to do any kind of valuation, is to invest at regular intervals (weekly, monthly, quarterly). That way you will do what’s called dollar cost averaging.

5) How to actually carry out a transaction?
The short answer is that each time you make a purchase, you need 3 pieces of information — transaction type (buy or sell), fund symbol(VFINX, in this example), and amount you’re investing.

Of course I’m assuming that you already have a rainy day, emergency fund already and you’re going to be investing using funds that are NOT in that account.

Hope this helps,

Santosh

You owe the money, whether or not they neglected to charge you for it. Just pay it. And try to make those payments on time; they’re negatively affecting your credit rating.

There is a lot of useful and intresting information here to help answer your quetion.http://debt-consolidation.featured-resources.info/consolidation-loan-debt-loan.html

There are three ways that you can invest in mutual funds on your own. 1. is to invest in no-load funds. 2. is to invest is closed end funds. 3. is to invest in ETF index funds. Most people choose 1 or 3 but 2 has certain advantages such as being able to by assets at a discount and being able to sell at a moments notice. Both 2 and 3 require opening a brokerage account such as an on line account with a firm such as Scottrade, TD Ameritrade, etc. 1. does not require opening a brokerage account. That is done directly with the mutual fund company. You can even do it with many over the internet. A very good site to find no-load funds and how they have performed and how they are rated is at Morningstar.com. Most of the information is free by signing up.

To find out about index funds and closed end funds, this site is excellent.

http://www.etfconnect.com/

I think it is a poorly worded definition. I would say that i-banking is mostly about the process of bringing securities to the market and advising clients on various business matters, such as M&A. I think the managing assets they are talking about is in reference to advisory work with the companies in helping them manage their assets, not portfolio management from a mutual fund or hedge fund perspective.

Sharebuilder and scottrade probably have the lowest prices.

TDAmeritrade- $7.00 per transaction no matter who you are or what you have.

You may find a good idea at http://awarenessfundraising.com

They are not the same thing. Speak with your personal banker at B of C and get specific about the interest rate and the APR.

To compare rates from different banks go to bankrate.com

honestly, the fastest way to build up your credit is to finance a car. take the hit on the interest rate for the first 12 payments, then go to a credit union, become a member and refinance the car without taking equity. when you go to buy your car, make sure you have a down payment around $2000 to $5000 depending on the price of the car.

You can learn from http://www.stockpickguide.com

no…they will just cancel the access that you have over the net….you will still need to close the account if thats what you want to do

Credit requirements for leasing and financing are no different, if you qualify for one in most cases you qualify for another. If your credit is very derogatory or very limited leasing may not be an option, because the banks that approve bad credit customers don’t generally have leasing programs. With the state of the auto industry today many lenders have become more lenient in their credit approval criteria, because everyone is fighting for a small pool of customers. So this is a good time for someone with marginal credit to try for approval.

Lease payments are dependent on 3 things essentially, price of car, residual value (end of term value) and money factor (or cost of funds to loan). Residual value is not negotiable, although you can change it based on the amount of annual mileage you require. The points of negotiation will be the price you pay for the car and what they charge you for the use (money factor), there is generally manuver room in either of those areas, so yes you can negotiate the payment based on what they are willing to sell you the car for and how much they mark-up the rate.

Yes they can if they make the connection which they should since the EIN is likely on your return.

My credit suffered in the past as well and when I tried to get a loan through them they denied me. At first they were all for it then they called me back and said I was late on a couple of payments. Well, I knew that already! So I was denied. Why don’t you try a credit union instead. Good luck…

I would go with scottrade. they charge 7 dollars for commission. Sharebuilder charges about 20 dollars per commission.

Yes and No. Allow me to explain how this could work:
The people you leased the vehicle to are the ones who are responsible for running illegally through the EZ Lane toll booths. The leasing company may have to pay the charges initially, but if the people that you leased the vehicle to give you a hard time and they do not want to pay for their toll road violations, then your company has the legal right to put any toll road violations the people incurred while driving a leased vehicle on the Harris County Toll Road on their credit card that they used to initially lease the vehicle. While the leasing company may own the vehicle, and ultimately to keep the Harris County Toll Road Authority from knocking on your company’s doors or mailing the leasing company a bunch of tickets for toll road violations, the car that received the toll violation will fall back on whomever the car is registered to, i.e. your leasing company. But as I stated, since this vehicle was leased from your company under a contract, (I assume that the people signed a lease agreement), and since these people (”the lessees”) are the ones who have broken the law, the leasing company (”the lessor”) has every right to recover the monetary losses your company pays out due to the HCTRA for the violations these people incurred while they were driving your leased company vehicle (just the same as if they had been given a ticket for a moving violation such as speeding on the toll road by a Constable). For example, if I was driving my friend’s car because mine was in the shop being worked on, and I ran through an EZ tag lane without a permit or paying the toll, the person that owns the car I was driving would be the one responsible for paying the fine. But the person that owns the car I was using has every right to come back to me and demand that I reimburse them for the costs of their violation that they incurred and I paid on their behalf while they were driving a car that I had loaned to them. The HCTRA has cameras set up at all stopping points, so they can usually not only see the car and license plates, but the HCTRA should be able to tell exactly who was driving a car at any given time.
If you do not currently have a clause in your company lease that states that the driver (”the lessee”) of the vehicle agrees to pay for any damage to the vehicle or any traffic violations they incur while driving the vehicle lease from your company (”the lessor”), then you definitely need to add that clause to your lease agreement/contract asap. That specifically states that the driver of the leased vehicle is responsible for any kind of damage or charges they receive while your property (the leased vehicle) is in their care.

You don’t have to read books if all you are doing is investing because stocks are cheap now.

Here’s a simple investing strategy. Keep investing until the Dow reaches 11,000 points. Here’s a good symbol: WFIVX

It’s safe to say that the Dow will return to 2007 levels. So if it reaches than, pull all your money out.

Another way to go is to pick a year you want to pull this money out. Maybe you’re saving for a new house or car. Target Date mutual funds are the way to go.

ING at http://www.sharebuilder.com has no minimum balance, so it’s great if you have low income. I use E*Trade, and I am happy with that. I get no service fees if I make at least one trade per quarter.

i think you should learn how to spell

I would agree that SLM is one way to do it, but so is FMD. FMD has seen its shares decline dramatically, and it’s entire business model relies on debt securitization, which is not happening and is a huge drag on earnings. However, I cannot understand why you would want to short student debt out of all possible debts. If you are unaware, student debt is one of the very few debts that cannot be forgiven, even through bankruptcy. Therefore, student debt loans are the least risky of all, as they have forever to try to collect loans, and reality is that the majority of loans (approximately 65%) that enter default are usually collected within 7 to 10 years after default. I just cannot see a valid argument for trying to short student debt, as default rates would be dramatically higher for other types of debts. Just another point to support that is that most people that take on loans generate enough income to pay for the debt, as the payments and interest rates are low. Therefore, credit card debt, or practically any other debt would be much more rewarding as a short position. I would also venture my opinion that you are probably pretty late to this party, given that the problems in the credit markets have been very pronounced for nearly six months now, and all of the smart money has probably been in and made the easy money by now. I would much rather have a long position in FMD than I would a short position, as 1. all of the bad news has been factored into the stock price for months, and 2. any good news that is announced will cause a dramatic pop in the stock price. Just take a look at what happened when Goldman announced they were going to buy stock in FMD, shares rose over 60% that day alone, that’s one horrible short position. I just think there are better opportunities out there, but they are at best, risky, as the news has been out for a long time now, and much of the bad news has been factored in for a while. If you plan on being short SLM or FMD, you might want to consider hedging the position, as any position in either of these companies, long or short, is risky now. In all sincerity, I would like to hear why you picked student loans, as its not a very thought about topic. Just my opinion, I hope it helps.

Best of luck!

Brendan Prewitt

Sounds to me like their taking what you owe for the late payments to collections unless you pay it. I would call first thing and get it straightened out..they normally work well with you.

Good luck.

NO, call customer service before you do that. Which bank?

Yes they can. Per IRS your name is on their computer and it has xref to you business EIN. So if you request an installment agreement for your personal account the computer will search for any and all debts related to your SSN and name, it will add all into the installment agreement.

Sharebuilder is great if you take a long term approach and are not looking to time the market. They have the lowest cost structure ($4 / trade, and there are no account minimums and no requirements to trade in 100 share increments). The down side is that they only make transactions at certain intervals, so you won’t have the ability to time the market.

If you trade more frequently, TD Ameritrade may be a good option. Internet stock trades are $9.99 / transaction, and you have more options than with Sharebuilder, such as options, bonds, and the ability to trade on margin.

I have never used Scottrade, but it is similar to TD Ameritrade, and I hear good things about it.

With regard to any endevour that man embarks on there will always be one or two that find the ugliest side of man.

Bg has a pretty good answer. I would not mess with individual stocks you can get burned too easily. I like no load mutual funds. Excelsior funds can be gotten into for a $500 minimum with no fees.

sometimes Dreamhorse.com will have lease optians.
I really hope you find what you are looking for!

It is the value of a car you trading in for the leased vehicle. The estimated value of the leased vehicle is called the “residual value”.

You are the taxpayer, not the business. IRS can levy on anything you own to collect what you owe.

Nope!

It’s your money and no bank can force to view your money on line if you don’t want to.

I’m sorry about your horse. ):

First off, ask around your barn before you go onto the internet. Maybe your trainer knows of the perfect horse, or maybe one of the schoolies at your barn would be great and the owners would consider leasing him to you.

Most of the good sites have been posted above.

Good luck!

Where do you live? I would ask your trainer or at the barn your ride at. You would want to see and ride the horse before you lease so that you know what your getting into. When we leased, we were able to try the horse out for a month first to see if it was a good fit. I wouldn’t lease a horse without riding it first.

You can try Doubling Stocks which is an easy way to make money by investing in penny stocks. The expected returns is slightly more than 100% per stock!

This is what happens: Their Penny Stock Guru, Michael Cohen will give you a penny stock pick each week and you just need to trade that stock and make money. His average profit per trade this year is more than 100%! He rarely picks the wrong trade.

Below are the stocks that I successfully traded with Michael’s recommendation and make a good pile of money. Only 1 stock was picked wrongly:

1. PAETEC Holding Corp. (PAET) $9.80 (March 2007) $19.25 (March 2007) +96%

2. BioStem Inc. (BTEM.OB) $0.46 (March 2007) $2.34 (March 2007) +408%

3. LANTIS LASER INC (LLSR.PK) $0.49(April 2007) $0.42(May 2007) -14%

4. SUPERCLICK INC (SPCK.OB) $0.11(May 2007) $0.24(June 2007) +118%

5. DHANOA MINERALS LTD (DHNA.OB) $1.00(May 2007) $1.55(May 2007) +155%

You can read a good review of what you receive as a member through this site:

http://tinyurl.com/yuksz5

There is no Excess there. You owe the bank 13K. So if you expect the Dealer to pay for that, he’s likely to make you buy the next car and roll this into the price of the new car. There is a Very VERY high chance of him not leasing at ALL.

There is no such thing as free lunch. If he paid for the loan, how is he or the new bank expected to recover it ? You want to lease the new car. So you don’t own that car. So they can’t put a lien on that car. So they just can’t do a lease on the new one.

It depends on how much your vehicle is worth as a trade. Look it up at http://www.kbb.com or http://www.nadaguides.com.

If your vehicle is worth more than the $13,000 balloon payment, the dealer will trade, pay off the $13,000 and (hopefully) apply the remainder as a down payment on your new lease.

If your vehicle is worth less, you are upside down and your dealer will add the negative equity to your new lease, making it more expensive.

You are way over your head in debt.Pay cash for a car.Good cars out there for less than $2000.

I think there is a law that says when you are turned down for credit, you must be told why. The finance company should have sent you something saying why they elected not to finance you.

As far as the other matter. if in fact the mess up with you car payment being late is the banks fault, you should ask them for a letter explaining what happened and send that to the three credit bureaus asking it to be included in your file, and for the late payment to be removed from your file.

Practically speaking – there is no difference to the tenant. The owner may have a management company do some services that a realty won’t do, such as building maintenance, etc.

Right now can be the best time to invest. The markets are down and when they go back up the gains will be significant.

You have no obligation with realtor #1 (as long as you didn’t sign anything saying contrary). So go ahead and deal with realtor #2 (the agent who is handling the leasing out of the property). A lot of lease deals are handled in such a way that the leasing agent/agency has their own applications and ways of doing things, so sometimes it’s just easier dealing directly with the leasing agent/agency.

I have to disagree.The owner pays an agent to lease out the place. The agent then splits their commission with an agent who finds a tenant. I rather go through my own agent (the first person who you contacted) so that they can protect my interest and do comps so that I know I am not paying too much in rent. Your agent can also go over your lease to make sure you understand what you’re agreeing too.

Regards

Yes, I have had three personal loans with them. They are very flexible, always offering extensions and larger credit lines, and work with you as long as you keep in contact with them. I have used others like Wells Fargo & they aren’t as user friendly as AGF. The only set back I have found is they don’t offer online bill pay.
Good Luck

choose the shortest term treasury offered by the Central Bank of England & go with that as your risk free rate of return. In the U.S., the 3-month treasury is generally accepted as such.

The first thing you need is a bunch of working capital (cash, and lots of it). A business plan is also needed.

accept items of interest for resale. sort of a thrift store operation. there is nothing like getting something for your donation. you might can get a location donated.

set up Chruch or God-related event.

Capital One is what I call “Fly by night finance” They handle “problem” credit loans. I am sure the bank problem is the main culprit. I would pursue this issue until the situation is corrected and then I would have the bank write a letter to Capital. (yes, they can do that), and the credit bureaus If you paid the account 4 times and only one went through, you have another issue. Why did that one go through and not the others? What else didnt get paid because of this issue? etc.

No it all leads back to Al Gore, believe it or not.

GDP doesn’t mean sh!t when it comes to people working.

Wiring the money is cheaper and more practical than handling actual cash or checks, so it actually saves the bank money. Banks make money by taking the money you have deposited with them and lending it to other customers and charging them interest. The only fee I am charged by my bank is a $5 debit card fee once a year, and any interest I owe on my overdraft protection account which is seldom used.

Hi Angel,

These are banking instruments

1.FFRDLS = Revolving
Documentary Letter of Credit
2. BG = Bank Guarantee
3. = SBLC is Standby Letter of Credit
CD = Certificate of Deposit
MTN = Medium Term Note

Etc.

~Trey

If you are going for results in a short period of time…..try taking a shot on something involving China. Oversold market but should get some short term gains.

These games are very short term – so don’t look to win by investing in big, well-known companies like microsoft, general electric, apple, ebay etc.

Find a stock between $5 and $10 that has quarterly results due in the next two weeks – since stocks tend to rise as investors anticipate the earnings announcement. Use the screener linked here to find which stocks are between $5 and $10.

Good luck.

Suuure.

Compounding means you don’t take money out of a fund; you leave the interest in there to earn more interest.

For example, if I have $100 and I earn 10% in the first year, I have $110. If I don’t add any more money, but leave that interest in the account, the next year at 10% I earn $11. This is the power of compounding.

Most people get rich by saving early, then leaving the money alone for 20 years or more – compounding takes care of the rest.

If you have to ask here, how to start such a complex and risky venture, you have no business trying, you’ll fail. Don’t bother.

Online banking is a bigger term than simply online bill pay. There are several ways your bank can pay your payee – one is that they simply mail a check. The other, if they do a lot of business with the payee, is to simply make an electronic payment (ACH) to your payee – usually places like your electric company. Another way, if the payee banks at the same bank, is to simply deposit money to the payee’s account at the bank.

Any of these cost the bank no more than if you had written a paper check or had initiated an ACH/wire transfer and in some cases, costs them less.

Some banks offer these services for free, others don’t. One of my banks charges me about $0.65 to send a check from the bank but doesn’t charge me to electronically pay someone. Another of my banks charges nothing to send a check but they don’t like doing an ACH so they charge me for that.

In the long run, nothing at a bank is free – it will be paid for somehow. Usually with banking fees.

The risk free rate is not set in stone and it’s not 100% risk free (even a Central Bank could default although is quite unlikely).
It’s basically the rate investors are willing to receive for the safest investment they can find. You can use a multiyear average or you can use the current yield on a long bond.

Amendment 16—The Congress shall have power to lay and collect taxes on incomes, from whatever source derived, without apportionment among the several States, and without regard to any census or enumeration.

Not sure what to say about the rest of your question/comment.

You’re right on the money with this, and you sourced it too. Connies don’t want facts, as you can see.

##

TRY TO GET A LOAN THRU A CREDIT UNION FIRST. IF THAT DONT WORK THEN FINANCE THRU A DEALERSHIP BUY A NEW OR USED CAR AND HAVE THE DEALER GET YOU THE FINANCING . IF THEY WANT TO SELL YOU THE CAR THEY WILL DO IT. THEN YOU CAN GET THE CAR AND REFINANCE ON YOUR OWN THE NEXT MONTH THRU YOUR OWN BANK OR CREDIT UNION, USING THE CAR AS COLLATORAL AND LOOK FOR THE BEST INTEREST RATE AROUND. USUALLY THE DEALER INTEREST RATE IS VERY HIGH.

I found the perfect article for you:

http://greenarrowinvestments.com/retirerich.aspx

This explains compounding very well. (i think)

It depends on the time of lease you do. You could do a feed lease, where you pay for the bills of the horse. Or you can do a standard lease where you pay a certain amount each month. The point of a lease is that you have access to a horse without having to pay the full price of a horse. Hope this helps!

No, it’s not a good thing to put credit card debt on a HELOC. You’re taking unsecured debt and making it secured debt… don’t, just don’t. Can you afford cable television, if so cancel it and apply that monthly amount to paying off your credit cards. Do you go out to eat, if so, stop and take that money and apply it to your credit cards. My guess is that if you cut out the uneccesary expense, you can get out of that $5,000 debt within a year. Skip vacations, cut coupons, cancel the internet, work overtime, get a second job, etc. Do you have an emergency savings built up? Trading your credit card debt to a HELOC isn’t going to make you more financially secure. You spent the money, now you may need to live frugally for a few months to get it payed off. Hopefully you’ve learned the lesson of, if you don’t have the money you don’t purchase the items. Furnishings for a new home are not necessities.

set up a car wash during church services on a donation basis.

The first answer is correct – choose the short-term government security (note however, that this is usually NOT equivalent to the rate set by the central bank that you read about in the paper – you’re going to need the actual rate on the security).

With the standard lease, you pay a certain amount to ride a certain amount – with a full lease, you generally have unlimited access, with a half or part lease, it may be able to ride on certain days or a certain amount during the week.

A free lease generally means someone needs someone to take over the bills of the horse, but doesn’t want to give up the horse. This means paying board if the horse is boarded, or paying for feed and sometimes paying for farrier and vet service.

Leasing is a great way to find out about the responsibilities of horse care without the risk of horse ownership. If you decide horse ownership is not for you – you can give up the lease and not have to worry about selling a horse you do not want.

Some of the dangers are that someone might sell the horse out from under you – sometimes they will tell you the horse is for sale and some unscrupulous people will sell it without your knowledge.

How do obama’s balls taste?

Have you heard of the debt snowball? It’s a method of repayment that uses the money you have to concentrate on paying down debts one at a time.
Using you home equity is tempting, but remember, you are trading unsecured debt for secure debt with your home as collateral.
The amount you owe is not that much. I don’t think it’s worth the risk.
Consistently paying as much extra toward the balance owed as possible will make an impact.
Also, if you’ve been paying on time and a loyal customer, call your creditors and ask if they will lower your interest rates.

When you lease a horse you are basikly like renting it!
You take care of it like it is your own!

OK. Fine. With no private sector left in my state, I’m game for collecting my Obama Stash.

Many of us are. He’d better start shelling it out.

did you know obama turned that 1.2 trillion def into 3 trillion or soon to be 3 trillion

We will probably never pay all of it, simply because of who we owe it to. There are three types of debt we owe, based on who we owe it to. Some of it takes the form of loans between agencies, and all of the debt is kept within the government, but ultimately it is the government that owes that debt to the government. Some of it is owed to individuals. Whenever you buy treasury bonds, or the war bonds that were popular in previous generations, you are creating national debt. Those will eventually be repaid, but new bonds are constantly being issued, so we will always owe something. Finally, some of it is owed to foreign countries, and that’s really the biggest one we have to worry about, because at any time they could come knocking and demand their money back, and we owe them so much that we simply don’t have it. Fortunately for us, it’s not in their interest to do so. If they try to sell back all the bonds they have to get money for it, the price of those bonds will plummet. The dollar will quickly become quite worthless, and all of our debt that they’ve been buying up won’t be worth the paper it’s written on. So for the moment, we’re safe.

It depends on the barn. There are different leases which state you can ride the horse however many times a week. (Full lease, 3 or 4; half lease 2; quarter lease, 1). You might also have to pay for half the charge for the farrier, vet, etc.

http://www.premiuminvestor.com/

Check your e-mail for spam messages which try to entice you to buy shares of specific companies. Usually, these are companies with fairly low price per share. Wait a few days after each one you see, and then short shares of the advertised companies. If you are really aggressive, short them right away, but there is a greater likelihood of fools to invest in such stocks right after such a marketing campaign than a few days later. Historically, this has proven to work pretty well by way of observation, but I only have an IRA account and I have no margin account to test this more thoroughly. I’m sure it would be a winning combination 9 times out of 10 though, at least.

Think of it this way.

Millage, damage, abuse and everything else that makes the car ugly will come out of your pocket, buy or trade..

Those suckers really suck just as you do in your profession.

Honda Civic

Get the book Total Money Makeover by Dave Ramsey.
He is a great person to listen to on talk radio and his books are great also. Here in Texas the schools even show the 8th graders Dave Ramsey videos to prepare them for their future with personal finance.

it will work if you put in all of the required information such as account number etc. I’ve done it many times. the first payment may seem like it takes awhile to get to the lender, but after they see how you are paying it doesn’t take as long. It is guaranteed to work

bankrate.com always has some good calculators

I read the Complete Idiots Guide to Investing.

Also one on Mutual Funds and a third on Stocks

These three books are very easy to read and follow. They teach you the basics and the basic terminology. I would recommend these then after these you can move onto a more involved book.

Lucky you, I had a similar problem and spent ages deciding. In the end it was a choice between the Mazda 6 and the Ford Focus, I picked the Mazda 6 as I had just finished my lease contract on the Ford Focus and fancied a change.
In hindsight I wish I had stayed with the Ford Focus as it pulls off the mark much quicker and handles islands better.
Carnoisseur Car Leasing http://www.carnoisseurleasing.com/shops/milton-keynes.aspx offered a really good deal on the car and arranged the lease plan, they are in Newport Pagnel which is just down the road from famous Aston Martin.

I pay my car payment through the online billpay. I don’t have capital one but I pay my bills through it and have never had a problem. In fact, I love it because I’m not wasting stamps….

no

He most likely won’t get the loan and neither will you. If you do, they’re going to require collateral and they’ll charge a high interest too.

Great question! Since your adviser seems unwilling to offer any advice, let alone manage your retirement funds, I would take the maximum amount that your company matches each year and put it into several indexed ETF funds (Maybe 80% foreign, 20% domestic, since your looking for aggressive investing, Vangaurd ETF’s like VWO have done well this year). You also may want to roll-over all funds into an account that you could actively manage. Companies like TD Ameritrade offer IRA-Roll over accounts (Roth & Traditional)that you could actively manage for ~$9/trade. Their website offers plenty of help when it comes to building a portfolio with the type of risk/return that your looking for. http://www.tdameritrade.com/planningretirement/rollover/overview.html

vanguard is the best for cheap mutual funds by a wide margin.

Become a stock broker. Build a successful and happy clientele. Move up into the retail and investment banking groups. Keep building your happy clients. After 10-20 years, break away to start your own operation and take clients with you. If you’re consistently good at selecting profitable investments than your track record will attract money. Then you’ll have 401k managers, credit unions and other institutional investors prepared to put in tens or hundreds of millions of dollars. Basically, this is a lifetime ambition like running for president. It starts from college.

You mean how to get Business? Anyone with a RE licence can do it as for as I know.

It’s common sense. Tho no one lives by the very basic of finance in this day….Which is: One must earn, more than one spends.

1. List your wage.
2. List all your bills, and when they’re due.
3. If possible, pay yourself first each payday (A set amount into
savings, IRA, or whatever)
4. Have a major credit card to establish credit.
5. Acquire only one credit card, which has NO annual fee
6. Request the monthly payment due date for your convenience
7. Charge ONLY what you’re able to pay OFF monthly.
Thus you never have interest fees.
8. NEVER charge over your limit, thus no fees there either
9. ALWAYS pay all bills on time or before, to build your good
credit, and to again, avoid interest fees.
10. If you have any kind of revolving payment accounts open,
pay them off.
Stick to your budget. And you will be proud and able to reward yourself!

All of it.

“Reagan proved deficits don’t matter,” Vice President Cheney said in 2002 when pushing for a fresh round of tax cuts. With this attitude in hand, Bush passed on a budgetary nightmare to his successor. Bush came into office with an advantage few presidents have enjoyed — a $230 billion surplus. But due to a $1.35 trillion tax cut in 2001, a $1.5 trillion tax cut in 2003, and a massive defense buildup through the Iraq and Afghanistan wars, Bush quickly blew through that surplus. The next president will “inherit a fiscal meltdown,” Senate Budget Committee Chairman Kent Conrad (D-ND) warned in February 2008, as the Bush administration projected a budget deficit of $400 billion. After the financial crisis emerged last fall and the ensuing bailouts, Bush’s budget deficit ballooned to over $1 trillion.

http://www.huffingtonpost.com/the-progress-report/the-bush-deficit_b_169475.html

something sponsored like a bike ride / run / walk.
You could also invest in something and make a profit out of it to donate

pin number رقم التعريف الشخصي

social security number رقم الضمان الاجتماعي

password الرقم السري

transaction المعاملة

drivers license number رقم رخصة القيادة

birth date تاريخ الميلاد

This site has a dozen sample donation request letters you can copy, plus lots of “how to” tips on personalizing your letter.

http://www.fundraiserhelp.com/donation-request-letters.htm

Use bank rate to compare if it’s more worthwhile to buy vs. lease.

Discounting at WACC tells you (once you figure out whether buying or leasing is better) whether THAT decision is adding value.

OR just discount at WACC, and choose the option with the higher value (if both are negative, don’t lease OR buy)

it isn’t BAD, it just doesn’t affect it at all.
if you want to build a credit score then you can start with credit cards but it isn’t going to do anything BIG for your score. if you want a great credit score get a loan or something. that is big.

You could try contacting the lender, however it may take you sometime. Consider this, find out when the sheriff sale was / is. Then add 6 months for redemption period. It’s 6 months in most state I believe…. Then you can estimate when you have to be out. You might want to talk with an attorney about paying your rent. I had one tell me not to pay it because the owner isn’t giving it to the lender and legally you don’t have an agreement with the lender to pay them. So save it up to rent your next place.

go to this http://www.multimillionaireslife.com/hg/?a=PDy00uVyL&p=2

Ugh! Your advisor needs to be kicked to the curb. In a situation such as your own, I would suggest actually speaking one-on-one with a Financial Advisor. The reason being is you are inquiring about some serious issues and given that this will dramatically affect the quality of your life in your later years, this is not something you want to make an wrong moves in. Most Financial Advisors worth their weight will provide you with an no-obligation first meeting in order to answer your questions and address your concerns regarding your situation. All-in-all, I realize this doesn’t give you specific advise, that is something you just can’t side-step. My parents put their faith and trust in 401(k)s and maxed out their contributions. Now they are within 15 years of retiring and scarcely have enough to even scrape by if they were to retire at 65. Its great you are approaching this now, rather than later, but this should be something brought up to a qualified, independent financial advisor.

Paying it off is……….paying it off…
doesn’t matter if you pay it off in pennies!!
HOW you pay it off matters NOT!
As long as it’s NOT LATE

http://themustread.com/books.php?id=37

pin number الرقم البني
social security number الرقم السوشالاوي السكيورتاوي
password مرور الكلمة
transaction الانهبال
drivers license number السائق لوحة رقم
birth date ولادة تاريخ

do a silent sponsor.
everyone loves a silent sponsor

capital gains and dividends if you do your homework there are decent returns to be made obviously there is risk you may loose it all

http://www.treasurydirect.gov/govt/reports/pd/histdebt/histdebt.htm

If you fit into the criteria, then you should move ahead to the next step, which is talking to the consolidation company and asking them to contact your creditors to reduce your monthly payments and interest rates. Just as with any other loan, student loan repayment affects your future prospects of loan-taking.

If student loan debt goes beyond eighty-five percent of your total income, it is seen as a negative score in your future credit assessment.

The lease is one deal and they will nail you for the damage. Then buying the car is a separate deal. But demand a discount as the car was in an accident and needed body repairs.

Overall by the time yoy are done you will have paid quite a bit more than if you had just bought the car in the first place, even with slightly longer payments.

I found a solution that worked for me. It might work for you too.

I had some pretty serious credit problems…some were not my fault and, I guess, a few were. I listened to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t have any luck trying to get my credit report fixed.

I remember paying for the services that these Credit Repair Companies had to offer. The companies told me that they could have negative items removed from my credit reports without any problem, Yeah, right. This did not happen at all. Most of the companies wanted to charge me a set up fee anywhere from $39 to $299 for their services. Not only did they charge this set up fee, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would actually work and, believe me, they didn’t.

I was about ready to give up when I found a lady who had been through the same thing and who had found a solution. She figured out how get all the negative items removed from her credit report within 3 months without paying anyone a penny. She developed a fast, easy, step-by-step process that she guarantees will work for everyone. She sells the complete plan with all the help and instructions for $47.00.

I know what you are thinking…”another $47 down the drain,” and that’s kind of what I was thinking too. But, I figured that since she offers a 100% money back guarantee I had nothing to lose.

Well, I tried it and it was amazing. I got all of the negative items removed from my credit report and my credit score went from 553 to 715 in only 3 months. All I can say is that it worked great for me. I suggest you check it out. You can always get your money back if it doesn’t work for you. If it works even half as well for you as it did for me you will never even think about asking for a refund.

The information is on this site: http://clean-credit-secrets.com/

Unfortunately you can’t consolidate your federal loans with your private loans. Be wary of any loan consolidation outside the federal direct program, most of the benefits of loan consolidation is just hype and doesn’t save you any money. Instead of repaying your loans over a 10 year payment you pay on them for 25 years or more… and they loan company gets MORE of your money since you are paying on it for so much longer. For what? Just a few bucks less a month and usually not much better of an interest rate.

If you understand the basics, then the next step for you is to learn how to make money out of it, don’t you think?

If so, go to updown.com and open a virtual trading account for yourself. You then buy and sell stocks based on your OWN analysis. This way, you will learn when to invest, and when not to invest.

We learn by going where we have to go.

Hope this helps.
- Jim http://jsforex.blogspot.com

I know that every time you ask for credit it lowers your score.
I went for a mortgage and had bad credit from before anda lot of companies said yea, we’ll do it… gave me a credit score, said yes, found some clause which meant that they wouldnt give me a loan after all and I’d have to go somewhere else… knowing this was knocking my credit score further and less people would touch me.

The dummies series. Check borders or B. Dalton or whatever you have in your city. I think there great. I own several.

Does anyone believe that thing that Paul is selling?

Your credit will not suffer if you pay on-line, on the contrary it will assist you. It will only suffer if you do NOT pay your bills.

At least twice a year, if not quarterly (which I would recommend)

I typically reconsider my portfolio twice a year. July and January. I don’t necessarily “re balance”. The whole concept seems strange to me: to rebalanced you sell the categories that have performed the strongest to get back to your target allocation.

Get software such as Microsoft Money. Keep it up to date. Set goals and see where your money goes and where to cut back. It works if you are strict with yourself.

Not at all. In fact, there’s a good habit to check your accounts on-line. This will allow you to trace all your financial activities and will give you the heads up if something goes wrong before it’s too late.
Credit score is ONLY affected if you pull your credit reports when asking for credit.
Most people even think that checking their credit reports through the credit bureaus will lower their score, and they’re wrong. You may check your report as many times as you wish, with no negative impact at all, as long as you do it directly with the bureaus.
The only government-sponsored site for this is:

http://www.annualcreditreport.com

Do not give away your money to third parties with similar names. If you check your reports and find any kind of error or even want to boost your credit score to the limit, you may use the most popular tool for credit repair. I suggest you to see:

http://www.credit-healer.com/

Here you will find all sorts of tips to star successfully a credit history as well as how to correct the information held in your reports in case is negative.

I hope this info helps you in some way.

Cheers,

Try http://www.retirement-news.com “Retirement Plan” section. It has a lot of info how to save for retirement. Good luck.

It’s not our dept that bothers you, it’s how much bush left, today in the real world obama is president, he is the person that you should worry about with our dept., bush can’t hurt you no more O.K What is it you guys live in the past with bush and in the future with global warming, what happened to the now

I tend to look at budget to budget.

When Bush’s first budget took effect on Oct 1, 2001, the debt was about $5 trillion dollars.

When Bush’s last budget expired on September 31, 2009, the debt was over $11 trillion dollars.

The question is, will you stop charging on the cards? If you got into credit card debt due to some exceptional situation and have taken steps to avoid that happening again, *and* if you’re not likely to lose your job and have the HELOC payments force you into foreclosure, go for it. Otherwise, do not. If you roll this debt into your mortgage and continue charging you’ll be badly upside-down on your house (since values keep dropping) and have $50k of new credit card debt. If you roll this debt into your house and your income drops, you don’t have the option of (last resort) defaulting on your unsecured credit lines because you’ll have converted that debt into debt secured by your house and could end up in foreclosure.

Think very carefully about doing this, and make sure you can make changes to your spending to end up with a surplus every month instead of going further into the hole.

The key word to richness is wise investment, and wise investment generates “money-from-money”. Rich people are financially intelligent. They know the power of investment. This is no rocket science to find that money makes money. Since long, people make investment in real estate, stocks, bonds, mutual funds etc. But does that make them financially intelligent? No, not at all, they invest and then spend their earnings to accumulate more Liabilities (buy a car, house, gadget, vacation…). Ones habit to buy liabilities makes them financially non-intelligent. Investment in assets gives ability to your money to make more money.

For more basics on investment you can visit this website. I have found it to be very basis yet very informative.You will like it for sure

ww.getmoneyrich.com

about 10 trillion.

It is cumulative unless paid down or off, which Bush didn’t do.

But Obama could teach him quite a bit about deficits, see chart: http://flutemandy.files.wordpress.com/2009/03/deficit-chart.jpg

“When Bush was sworn in on January 20, 2001, the national debt was $5,727,776,738,304.64.
When “W” left office on January 20, 2009, the national debt was $10,626,877,048,913.08.
The growth in the national debt during his eight years in office: $4,899,100,310,608.44.
The average yearly growth in the national debt during Bush’s presidency: $612,387,538,826.05.
During much of Bush’s tenure, he had a Republican majority in both the House and the Senate.
He claimed that tax cuts would pay for themselves – they did not. He claimed that tax cuts would result in growth – we are in the worst economic downturn since the Great Depression.”
http://agonist.org/amc/20090123/bushs_two_term_increase_in_the_national_debt

As of today, “The latest posting by Treasury shows the National Debt at nearly $12.135 trillion.”
http://www.cbsnews.com/blogs/2009/12/16/politics/politicalhotsheet/entry5987341.shtml

GOOGLE KNOWS ALL.

Bad idea to shift unsecured credit card debt to your house. If you default on the credit cards, you get bad credit. If you default on the HELOC, you lose your house.

You should consider credit counseling to deal with those credit cards. Check here for a NFCC member: http://www.nfcc.org/. These are legit, non-profit companies that offer debt management programs for a nominal fee. They negotiate lower interest and payments so you can pay off the debts.

While in the program, it is noted on your credit report. But upon completion of the program, that notation is removed and you will have decent credit.

If you don’t want to go to credit counseling, you should set up a strict budget. Take every penny you can squeeze out of that budget and put it on the highest interest rate credit card, while making minimum payments on the rest. When the highese rate card is paid off, move to the next one till they are all paid in full.

Also, consider ways to bring in more than cash. Have a garage sale, collect alum cans, get a second job. Throw it all at the credit cards.

In your situation, yes if you can get one. You’ll save $1,000s in interest. But you MUST HAVE DISCIPLINE!

Destroy the credit cards – swear them off and NEVER use them again. If you don’t take this important step, you could lose your home and all the equity you have in it.

Don’t worry about “emergencies”. Take the money you saved from the high CC payments and put most of that aside to build up your emergency fund. Don’t worry about vacations or other stuff like that until you get your spending and debt load under control.

Been happy with Schwab the last 12 years. Lots of good research available, access to many no-load and loaded funds (not all Schwab). And offices in many areas if you need to visit one. Good help desk if you have questions about the website or IRA question. Not full of poor english speaking foreigners, like other companies support staff.

Look in the paper.

Practicing without risking money is the best and fastest way to learn the stock market. Find yourself a virtual trading site, register and give a go. The website issues you virtual money and you invest it. It’s a great way to make mistakes and develop an investing style that works for you.

As far as the best trading site– depends on the type of trading you’re going to do and how much money you expect to have in the account. Some online brokers require a minimum balance — like Etrade– or they charge you a fee. But, if you’re going to invest in high risk penny stocks, ETrade has the widest selection.

Before you register, figure out what you need. No fees, good service and tools, penny stocks, mutual funds, advice, etc.

Stock is a tiny share of ownership in a company. If Acme Widgets has 1,000,000 shares of stock and you buy one, you effectively own 1/1,000,000 of Acme Widgets.

Because the fortunes of any single company rise and fall over time, the value of shares of stock rise and fall by significant amounts. It is therefore highly recommended by most financial experts that money invested in stocks be “diversified” (spread across many different stocks in many different industries). With a large enough amount of money, that can be done by buying stock in 20 or 30 good quality companies in different industries.

For people with modest amounts to invest or limit understanding of or interest in stocks, mutual funds or ETFs (exchange traded funds) are a good way to achieve diversification. They essentially own a bunch of different stocks and then you buy a share in the mutual fund or ETF, which gets you a tiny piece of each of the stocks it owns.

Note that some mutual funds invest only in stocks, some only in bonds, some in a mixture, some in other types of investments. Which one is best for you depends on your time horizon, risk tolerance, and in some cases even your tax bracket.

Here’s a risky one but it costs nothing and if it gains in value you’ll be a millionaire. The New Iraqi Dinar. You can get about a million Dinar for about 600-700 US Dollars. I know this is a risky investment and it may never be worth anything but right now one Dinar is worth less than a penny. Back in the 1990’s the iraqi dinar was worth 3x more than the US Dollar. If you have a million Iraqi DInar and the value climbs even to one us penny you will have made something like 10,000 us dollars. If it climbed to a dollar you would have a million. Could end up never being of any value but it’s a risk.

Can you get a home equity loan? Stay away from the finance co. they will get you hooked and then charge you obscene interests rates.

YOU DONT REALLY GET MUCH EQUITY IN A LEASE. AND WHEN IT COMES TIME TO FINANCE THAT BALANCE ITS USUALLY AT A HIGHER INTEREST RATE CAUSE IT IS CONSIDERED A USED CAR. THEN YOU’VE PAID LESS ON IT AS YOU LEASED IT SO YOUR FINANCING A BIGGER AMOUNT AT A LATER DATE. I WOULD ONLY LEASE IF YOU REALLY NEEDED TO LIKE FOR FINANCIAL REASONS.

I hate companies like Edward Jones.
They sell, sell, sell their products until a person is bone dry.

Consider going through a discount brokerage like
Fidelity Investments or
Charles Schwab 800-435-4000

Open up a ROTH, buy some cd’s and you’ll be fine.
Some cd’s at Schwab are still paying 4% – they are long term cd’s.
Stop getting scammed by people trying to sell you junk.
Fidelity and Schwab have free advisors and can allocate your funds for you depending on your risk tollerance – free service.
They can also tell you what kinds of accounts you need.

I have never paid a dime in any fees.
And they have never tried to sell me anything.
/

China has already told us that in indirect terms.

4506t are used if there is a problem verifying your soc # & also it is used when the lenders get audited, and they do get audited!

I have not heard of First Choice Mortgage in Charlotte.

NO – NO – NO – your private field trip is Not a charitable deduction for any Company or Corporation. You may solicit your local businesses for support and ask for a donation – but don’t bother writing letters, they are tossed after the “gatekeeper” reads the first 1/2 of the first sentence.

that is expensive girl….. For that much money you might as be paying for your own horse not leasing horse. Have you ever thought of adopting a horse and sometimes we lease horses out in our rescue, we are in MD

call the musicians in the area and put on a youth dance, and ask for donations.

If mutual funds are run by experts, why do 75% of them under perform the stock market?

Mutual Funds are a pool of different securities in which people buy into the pool and share the gains or losses.

I am not a big fan of mutual funds anymore.

Do your homework before purchasing.

Tout le monde mérite d’être riche, ou, Tout ce que vous n’avez jamais appris à l’école à propos de votre argent (Paperback)
by Olivier Seban (Author)

Gérer mon argent dans la liberté (Mass Market Paperback)
by Pierre Pradervand (Author)

52 façons d’organiser votre vie personnelle et familiale (Paperback)
by Kate Redd (Author)

For the person listed below who thinks I violated the answer – those are the names of the books silly – and notice that the rest of the text is in English – I could have translated, but then he couldn’t have found the books.

Charlotte is my market.

If you are fearing the 4506t form because you are planning on lying about your income or hand over forged tax records, I would HIGHLY encourage you, that unless you want to spend a few years in Federal Prison, to not go that route.

Charlotte is one of the areas hardest hit by mortgage fraud, and these companies WILL turn you over to the authorities.

I would highly recommend reading the bottom of the loan application where it states the penalties of lying on a mortgage loan application.

If you are being truthful about your income information, then it shouldn’t make a hill of beans if they want you to fill out a 4506t form or not.

PS: A 4506t tax form is NOT used to verify your social security number, it is an IRS form that allows the mortgage company to order transcripts of your tax returns, that is how they “bust” people lying about their income or handing over tax records with false numbers or that were never filed at all.

For the person who responded in French. You violated one of the Yahoo rules for Yahoo answers!!!

You would have to pay sales tax for MA if the car was physically in MA when it was sold or, likely also, if it was simply registered in MA at the time of purchase.

The tax should be included in the price. If you’re buying it from a private owner rather than a dealer than I doubt sales tax will be an issue even though the person should still “legally” collect it, I doubt they will.

When applying for a loan the banks look at the debt to ratio income. That loan would be part of the debt.

Go to bankrate.com They have a lot of good tips on buying a home.

Also check your credit. These days you really need to have a min. of 680 and above to get a loan.

No. That is one of the benefits of incorporating.

Hi, i recommand you a good and basic tutorial for investing. it covers all Issues related to your Investing and everything around it.

http://www.investingtutorial.info/

wish it will help you.

Good Luck , Best Wishes!

Endorsement (signature) is missing.

book called financial accounting

Both!

If you’re a rookie in investing or stocks, go to

http://www.finance.yahoo.com.

Open up a portfolio without using real money. You can give yourself as much or as little money to try out the market. The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody’s got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That’s the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won’t lose money. It’s just that these stocks are the best. They pay good dividends too.

Then once you’re comfortable and test the waters of the market, you can finally put some real money in. Go to Scottrade.com. They’re excellent for beginners.

Hi,

The primary reason behind using a 4506 form is to prevent mortgage fraud. Lenders use such a form to collect copies of the tax returns of self-employed borrowers for the past 2 years from the IRS. Most big lenders and mortgage companies ask borrowers to fill out such a form. To know more on why 4506 form is used, refer to http://www.mortgagefit.com/know-how/irs4506form.html .

Regards,

Jessica,
Mortgage mentor

MortgageFit Community

Anyone can make up numbers and throw them out there.

No link, no fact.

Would it be cheaper to just get a loan horse and pay for the bills yourself? I would compare the price to what it would cost to actually keep your own and divide it by 2 if it is a half lease. In England we have more loaners than lease, it costs about £200 per month to keep a horse here if you do everything yourself. Hope this helps! (loaners are usually people who are going to college, or have financial problems, but don’t want to sell the horse)

In today’s Internet age, you really shouldn’t waste your time or the time of a real-estate agent to look for an apartment unless it’s a courtesy offered by the real-estate agent your using to help you find a home. But that won’t happen often as many agents stick to the higher commissions of home sales.

If you use a mix of Rent.com and Apartmentratings.com you’ll be fine. Rent.com is the best site to use for apartment searches because all the better apartment communites are on it and it also will pay you $100 when you move-in to your new apartment so long as you tell the person that you rent from that you learned about their apartments from Rent.com on the day you go for a tour.

You’ll want to use Apartmentratings.com as a filter to weed out anything that might look good from all the marketing, model apartments, and sales-talk but might actually be a bad experience to live at. People who have lived at a certain apartment community can post their experiences, both good and bad, on Apartmentratings.com for everyone to read. It’s a great way to get the dirt on a place in advance so you can avoid the headaches.

In my opinion and despite what the news is saying about Real Estate. This is still the best industry to invest in especially in this market, it would benefit any business whether small or large to buy and hold onto rental property such as multi-unit residential properties as well as investing in commercial income producing properties. Land is one of our most precious commodities and he who has the most land will rule the day.

Always payoff credit cards first, get rid of them, and then create an emergency fund before worrying about paying off the house.

A stock is shares of a public company, such as Coca-Cola, IBM, Wal-Mart, Sears. Suppose you buy stock in Wal-Mart for $50 per share. If the price goes up to $60 per share, then you just made a profit of $10 on every share you bought. If the price goes down to $40, then you just lost $10 on every share you bought.

A mutual fund is a whole bunch of stocks. The fund manager is constantly changing around what’s in the fund and getting rid of the stocks that are losers and looking for more winners.

Buying just one stock is risky because the stock might go down. Buying a mutual fund is safer because there’s lots of stocks so there’s a small chance that they’ll all go down. Even if one or two go down, hopefully the rest of them will go up, so the average of all of them will go up.

Here’s what you should do. Open an IRA at your bank. Then look at some research on mutual funds and their performance and choose one that you like. You could get an individual stock too if you want, but you should focus on making sure you are diversified.

If I were you, I would not hire a broker. They usually choose for you the investments that make them the most commission. Instead, read some investing articles on the internet and you’ll get good at investing.

The tax goes to the state of MA.

From my opinion and your statistics, both parties are responsible for the debt.

It really depends on the “mood” of the underwriter. Some will not count it, but with all of the credit tightening standards as of late, I would guess most will consider it. After all, it is technically a monthly payment that can come back into play at any point in time (drop your classes, decided not to take classes, etc.). I do have some good news tho…I have bought two houses in the last 8 years, and in neither situation were student loans brought under intense scrutiny. Student loans are normally considered good debt (as long as they are not out of control). The interest rates are typically lower that a standard loan, and they are “secured” in a sense because you will likely earn more yearly based on using them for your education. It was actually the credit card debt that was frowned upon and put under the microscope…if you are good in that area and your credit scores are high enough (at least 680), you should be good. Best wishes to you!

A mutual fund is like a “wrapper” that is made up of some security like stocks.

Like a candy wrapper – we know it is candy inside, but it could be a sucker, a candy bar, etc. Likewise a mutual fund is just a name for what is “inside the wrapper”. This means you can have stock only inside the mutual fund. Or bonds only in a mutual fund. Or a mix of both. Or REITS. Or just about any other investment option available.

Of course, when we say a mutual fund wrapper contains stocks, it could be a certain kind of stock. So we could have a large company mutual fund. This just describes in more detail what kind of stock (or bond, etc.).

A very popular type of mutual fund lately is the Index Fund. This fund tries to own the exact number of shares for every stock available in that index. For example, we might have Dow Industrials Index Fund, so when we watch the evening news report what the stock market did, your portofolio would be identical. The index candy inside a mutual fund is the maximum from of diversification possible – 1 of every thing!

Let me try to explain one last way by pointing out another type of wrapper. An IRA – again, it is just a type of wrapper, but could contain stocks or bonds or CD’s, etc. In the same way a 401(k) is a wrapper – if all you told me is you have a 401(k), I couldn’t really guess at what is inside it.

We have all these different types of wrappers because each means something different in the way of taxes or how easy you can access the money inside the fund or if you can take a loan again that kind of wrapper, etc. But knowing the wrapper type alone doesn’t indicate what you really have in that fund…although in most cases it is stocks and that’s why they seem to be the same thing to you.

So, buy stocks on your own or mutual fund? Well, day 1 in a mutual fund you get a equal amount of all the stocks the managers of the fund have bought – that’s diversification. You can do the same thing on your own, but you need a minimum on each company to make it worth the average of $15 per buy/sell you make.

And it will take a while before you get positions in even ten companies. I’ve read you need $50,000 to get into the individual stock purchasing in order to have enough cash to ensure diversity and allocation.

But mutual funds aren’t free either and most (90% or more) fail to beat the stock market rate (which means the only fund I can recommend is a true index fund so you get the stock market rate). Of course, that would be stock market rate MINUS the fund’s fees which is why 90% can’t beat the market’s rate! Make sense?

If you are comfortable with being your own “mutual fund manager”, then go for it. Otherwise, shop for low fee funds. There are even some with no-fees up front so your money grows faster…but they get you eventually when you take your distribution out.

I see your point, but the national debt is really due to the fact that The United States does not own it’s own money supply. The Federal Reserve is not owned by Americans, and it’s currency is not backed by gold.
We still owe a boatload from World Wars 1 & 2, the Civil War, Vietnam, etc.
It can never be paid back, we just pay the interest each month like a credit card, more money gets printed up, and what there is is worth less and less. It’s a glorified Payday Loans system now. It doesn’t matter which party is in power.

Just make more debt mate. Buy a boxing ring on credit, I am sure you’ll have fun with it. If you lose your job you can complain like everyone else is doing.

BOTH

1. Don’t download torrents
2. Don’t go to porn sites
3. Change your password frequently
4. Get an antivirus/spam software
5. Never log into your account unless you are using secured internet connection.
6. Check your balance.
7. Never log in your bank using a shared computer (like in a library)

You should be 99.9% safe. There’s no such thing as 100% secured.

Walking door to door and learning to communicate with willing and unwilling people is always an experience…getting a group of people to do it increases your outcome…

Car washes work too. The important part is communicating or advertising with your clientele. Using bright fluorescent signs, dressing for business and speaking without slang or offensive behaviors…

putting together a bingo game is pretty inexpensive and can really raise some good money if planned well..also car washes are good, but you need a whole bunch of volunteers (sometimes not so easy to gather..lol), a rummage/garage sale works, but takes substantial energy compiling items to sell…i teach preschool and we have a bingo/silent auction once a year..(i raffle myself off for babysitting and bring in bank!..lol). there are a lot of different things you can put together if you use your imagination..good luck!

this is a fallacy. greed is the responsible party.

Bingo. Buy or make small prizes and charge $3 a card to play.
Bake sale or auction of donated items

China will stop lending us money the day AFTER we stop buying cheap Chinese imports at Walmart.

So as long as you keep banrupting yourself buying Chinese junk at the biggest employer in the USA, the government can keep digging our grandchildren deeper and deeper into debt with no limit.

Think about it – China is just lending our own money back to us that we paid for the last shipload of cheap Chinese imports. Then we can borrow that same money and pay for the next shipload. One shipload at a time, we keep circulating the same money around and around again.

And every time, we owe China more and more and more. It’s not China’s money, they just keep handing our own money back to us and watching us slap ourselves across the head with it. China has nothing to lose. They just sit there watching us dig ourselves deeper and deeper into a hole, like we’re stupid or something.

Maybe we are.

EDIT: You seem confused about the meaning of “creditor” and “debtor” nation.

The federal budget almost ALWAYS runs a deficit. We have ALWAYS had a national debt. Consult your World Almanac.

We were a creditor nation from 1914 to 1988. This is referring to our “current account” balance, not the national debt. The current account is the total lending and borrowing by the entire economy, including the private sector.

The current account balance is closely related to our cumulative foreign trade balance. We had a trade deficit from the colonial days up to 1880. We were an exporter, that is we had a trade surplus from 1880 to 1980.

Our trade surplus brought our current account balance from debtor status to creditor status in 1914. As long as we maintained a trade surplus, we continued to be a creditor nation.

We began our persistent trade deficit in 1980, the Carter years. This was due to the rise in foreign competition, coupled with stubborn resistance to tariffs in the USA because of the Smoot-Hawley bogeyman. The trade deficit completely consumed our current account and turned us back into a debtor nation in 1988, because of the trade deficit that began in the Carter years.

But this debtor nation status was related to the private sector borrowing to sustain our exponentially growing trade deficit. Government spending has no direct effect on the current account balance.

Most women have lots of talent in baking and with so many women working, quick desserts are a good sales item… a bake sale is quick, easy and everyone likes cakes, pies, and cookies. Also if your group can sew, make a pieced quilt or knit or crochet quilt pieces that has the theme of things special to your community. Make small gift items for the holidays…sachets, padded hangers, pot holders, ornaments for the tree, wreaths, afghans, potpourri rocks, pillowcases w/crochet trim, bathtowels w/crochet trim for example. Lots of ideas on the internet to get you started!

The stuff will hit the fan when inflation starts to sky rocket. No country wants money that isn’t worth very much on the world market. We use to back up our paper money with silver and gold but we didn’t have enough of either in the 1930s to bank roll all of the democrats welfare programs. That’s when the government really started printing money that had no backing. A dollar was as good as gold at one time.

You’ll pay more leasing first. Leases have bank fees, termination fees or buyout fees, and in some states (like PA) they have higher tax rates (an additional 3%).
Your interest rate will be higher when you purchase at lease end. Also, most people won’t keep the total term the same. They’ll do a 3 year lease and then a 5 year loan, paying for the car over 8 years. This will cost considerably more in interest.

the more important question is, what will you and I do before we get to that point ?
After all, we all know that the debt has been run up due to politicians and their pork projects, thier special interest pay offs, little excursions to vacation spots. Pelosi wasted $2 million shuttling her family around on military jets, Waxman spend $2200 a day while living large in Copenhaugen, and the spending for all these frauds and losers goes on and on.
Special flights, special cars, special rules where you or I would be fined or thrown in jail.
The corruption must stop, because I know I don’t work to give these lazy bastards an easy life. Sure, there may be spending on important things, I’d imagine, or at least hope that the majority of the money goes to that, but we all know there’s descretionary funds and money floating all over the place that these politicians have access to without much oversight. They waste the money on what they want and not for what is good for America. Its time we chopped off thier hands to stop them from dipping into the tills.
Government ran up this debt, Government needs to get us out of it, and without penalizing the American citizen with extra fee’s, taxes and scam socialism

Since the sales tax is paid to the registering authority not the dealer, you’d only pay MA sales tax if you registered it in MA. MA doesn’t have a temp tag system so you’ll need to get your tags in NH first before you take delivery. If you tag it in MA for the trip back to NH, you will have to pay the MA tax.

They are already and have been dictating the terms if Obama wants them to keep buying our stocks and bonds.
Foreign countries are not buying the debt in some offers and there have been some sales that no one bought anything lately.
Although China officially reduced its U.S. debt,it is believed that a Chineese agency secretly bought more debt through banks they own or control in other countries.

China doesn’t have to say a thing because their actions speak volumes. China has made investments and agreements with several South American and some African nations. They are slowly shifting away from the US and hedging their investments here with ones in other nations. China and the few other nations that lend to us are kind of trapped at the moment. A pull out would collapse our government and cripple their own countries. So they will continue to lend until pulling out of the US would only put them in a slight recession.

It will never get to the point where they will pull out. We will solve the problem by slowly inflating our currency and making it worth less so the debt is easy to pay off. The debt will be cleared but our dollar will be like the mexican peso, disrespected and worth a tenth of today’s value. Most americans will be forced to work till death because their retirement funds will be wiped out.

Cant really help you. All I can say is that Capitol-One is one of my largest banks and they are really good at working with people. They are also very aggressive with people that do not pay them.

Good luck.

Get a lease at the office supply store or have an attorney draw one up for you. Typically tenants usually take care of any modifications, remodeling, decorating, on the inside, but you can do it however you want. You do it or the tenants do it, its all negotiable. Technically the same goes for the outside. The only concern here is that for major repairs or upgrades, understand that they are being done to your building. As such you may either want to have them done yourself or at least approve beforehand any work and closely monitor the progress. Its your property. The last thing you want is someone making improvements that end up costing you money to correct later.

As for what is an appropriate lease amount, simply make a few calls for buildings of similar size for lease in your area. You should have no trouble coming up with a going rate per square foot. From there you can decide based on what your costs are for the property and the current demand in your area.

It is never a good financial idea to lease, unless, your company is reimbursing you for it, you have tons of money to throw away or your like driving a new car every 3 years.
some leases can be very bad.
I suggest buying the car you want, right now you can get a GREAT deal if you bargian, get pre approved at a local credit union and go in with you financing in your pocket, don’t tell them that until you have bargained down to the bottom price. Then say I already have my financing…
you need to keep track of his business expenses on the car, mileage, and Depreciation for tax purposes, when ever a car is use even partially for business purposes, your tax consultant can give you details on what to keep record wise.

If the agent is eager ot get it listed, they would put up the text version, within the same day, and upload the photos the next day.

I hope this helps. Good luck!

With an interest rate of .25% I would not even bother figuring it out.
You are not even getting 1% on your money per year.
Now, think about that.
What’s 1% of 1,000 = 10 dollars
Now, divide that by 4 – $2.5 dollars / year you are earning.

If you are 17 or older you can open a student checking account which pays no interest but will teach you how to write checks and use debit cards and atms.
Interest rates at local savings accounts are worthless.

Go with an online bank and open a 5 year cd if you want to earn over 5.5% interest.
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