I own 2 judgements against me. Who do I reward? The creditor or debt collector?
Back in 2004 I notify my 2 creditors that I was going thru a custody encounter & they chose not to work with me on any type of costs schedule. My 1 other creditor placed me on a misfortune for a year while I continued to make payments. I be not able to wages the other 2 creditors so of course they charged rotten the debt & then sued me over it. I've be trying to do research on the net but am confused over who to remuneration? the original creditor or debt collector? I would appreciate any guidance.Answers: Do they have actual judgment? Check court records to see who the sentence indicates. That's who you should contact first. It might be the original creditor if they sued or it could be a collection agency who bought the debt and sued.
my guess would be to payment the debt collector first, as there are endorsed implications nearby, as for the debtor, hes waited a year so a bit longer is not going bother him too much, only as long as you keep him informed of what is occurring. Even if you try to make some small payments to him, he will see that you enjoy every intention of paying him back. I have a sneaking suspicion that you will find that he will be a litter more sympathetic if he sees you are at tiniest trying to pay him
How much should a 25 year old have saved already?
Answers: i'm 39, but was once 25, so maybe i can relay some info to you. there is no real number or percent anyone can put on this. i can answer more philosophically. the main point to answer your question is what are you saving for? the obvious, retirement, and a home, come to mind. tho you'll probably make most of your money later when you are paid more, it doesnt hurt to start now. my personal advice from experience is set aside as much as you can, while still being able to enjoy life. keep enough saved so that if your job sucks you can up one day up and tell your boss you're out of there. have enough saved so that you can survive til you find another job. save enough so that you can take a few weeks or months off and travel the world, (can be done cheaply in asia, central america etc). just remember dont get so caught in hoarding that you dont see life. balance. but conversely dont get too caught up in consumerism. often when you first start to make it, just out of college, youre tempted to but the big tvs, surround sound etc. dont allow yourself to get in debt. debt is a crap way of life except for 2 situations. school loans and a mortgage for your dream house. but even mortgages can suck if they dictate your life, enslave you to a job or carreer you hate. dont rush into that! as for retirement, we're not sure if social security will be around, it might, but dont count on it alone. retiring in the US or europe will be expensive. cost of living will be higher and your income will be lower to nil. you can consider retiring overseas, as i will, in an exotic place costa rica or thailand, where you can live like a King on very little. stretch your retirement dollars. hope that helps.
its all on personal preference
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I'm 25, and I need the answer to this also.
I need to start saving bad.
Funny you should ask. It's my 25th birthday today and I've saved..zilch.
It's never too late to start though. Just set a goal and work towards it.
If you go to Yahoo finance and look in the article archives, they just did an article last week on this. I think that they assume that at 25 you have saved nothing and that you have to save something like $300 per month to have a million by the time you retire. Unfortunatley, 1 million dollars by retirement will not be enough for you at that age. Find that article or G00GLE retirement savings.
Saw some of the other answers and had to go find it.
HOW TO SAVE A MILLION AT AGE 25
You've Saved: $0
To reach one million by age 65 you need to save $286 per month.
Successful Savings Strategies
You're just starting your career, so this is your chance to build a solid financial foundation. Time is on your side.
Contribute enough to your company 401(k) plan to capture your employer match. If you don't have a retirement plan at work, fund an IRA.
You'll be investing for 30 years or more, so you can afford to keep 100% of your account in stocks.
Pay down credit cards and other high-interest debt. That will free up money to save for a house.
Set up an emergency fund equal to three to six months of take-home pay. Stash it in a readily accessible account in an online bank that pays interest of 4% or more.
Most 25 year olds (myself included) have a very minimal savings account. It's like that country song lyric "This is for all the girls about 25 living in little apartments just trying to get by." The reason is most of us have student loans and are just starting out in our careers so we are making the minimal amounts. At the very least you should start with $500 in the bank as emergency money. Ideally you should have 3-6 months of expenses saved (rent, food, utilities, loans, etc.) If you are referring to retirement you should max out your 401k contribution. By doing that after about 2 or so years you should have about $5,000 saved and that's a good start. So to sum it up, ideally a 25 year old should have about $3,000 saved (I just pulled this number out of the air). That would be some in savings and some in a retirement account. It differs between persons based on career, income and if you have any outstanding loans.
Edit: Ok, obviously some people here are either wealthy heirs or are not even close to being 25. $40,000 by the time you're 25? If that was true then there would be no reason for student loans.
It depends on what you are saving for, or how much you want to have at retirement. The Motley Fool (http://www.fool.com) recently published an article that showed a 26 year old could have 1 million dollars at retirement if (s)he maxed out the tax preferred savings accounts for just ONE year -- this would include maxing out your 401(k) at $15,500 and you IRA at $5000. Compound that out 40 years and voila -- $1,000,000 (assuming historical 10% rate of return).
Obviously a 26 year old being able to save $20,500 in one year is probably impossible, but the excersize shows time is the main point, not necessarily how much you already have saved.
I would say you should have somewhere between 20000 to 30000 thousand dollars.
Getting rewarded for online surveys?
Is it possible to get compensated to fill out surveys online? If so what are some trusted true sites that really work?I remember a long time ago you could receive paid to surf the lattice with alladvantage but it shut down.
I inevitability extra cash for college and I work but im scarcely getting through.
Answers: Watch it...these online surveys have a detain...
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Anousha
here is the info you need
http://nowinternetbusiness.wordpress.com
It is possible to return with paid next to surveys, but not a lot. If you're short on the dot it might not be the best way to label extra cash as most surveys that you qualify for singular pay $2 to $10. The most I've ever made contained by a month is about $200 next to free surveys.
I've reviewed and listed the free to bind survey sites I've had the best luck beside on my blog:
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There is also some information on how to avoid the scams that are adjectives over the place.
Good Luck with everything!
Steve
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I've made hundreds of dollars just being on this site for 3 months. I've tried a few rewarded survey sites, but found that Swatcash is the best out there. They hold monthly contests, enjoy many offer, give out $1000's, and its 100% free if you don't do credit card offer.
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dude, I do surveys and make honest money. If you're interested, email me at ecuagarcia(a)yahoo.com so I may send you the links (email invites only) and aid you. Sites are free and so is my help. I capture paid for referral as a bonus. So the more money you make, the more i formulate. That is way i wanna sustain you make the most you can. Make sense right.