Personal Finance Question and Answers

My best friend collects soda can and bottles for extra money,is he okay ?


Question:


Answer:
Are you absolutely sure he doesn't use drugs?

In my experience, solitary drug addicts get rid of scrap metal and can and things for money. He doesn't sell his blood, does he?

Or conceivably he's just extremely environmentally conscious. I hope that's the overnight case.

I pick up litter when I see it, but I don't sell it for money...
Yes
duh
not a point wrong with that as he can rescue that extra money up for something special
What do you mean by is he okay??
Of result in he is okay,God helps who aid themselves!
YES, he just wishes extra money
Yes he's fine. You shouldn't be embarrassed by the reality that he is doing a great job at helping to maintain the Earth clean by recycle. He is also making a profit from it however small or large that profit may be. Tell him to more to Michigan if he really requests to make extra money because they donate back 10 cent per can, I believe that's the chief in our nation. I used to work clear in your mind festivals beside my day when I be younger and I had everyone put their can in indisputable bins and when I went to the store I enjoy over 2000 cans. It be a great lesson for me to learn how and I also made some cool change at 12 years old.
Why be humiliated? He is helping the environment by cleaning up and he is getting extra money. Nothing wrong with that. If you want to know if he is okay financially, consequently ask him. Where I come from, there be a lot of citizens who were scramble to pay bills. They tried to carry money in anyway they could by collecting can, or picking blueberries during the summer for extra money, etc




What is the maximum contribution to a Roth IRA and Traditional IRA?


Question:


Answer:
The way to numeral out your maximum annual contribution is treat all your IRAs (traditional and Roth) as one big IRA. For 2006-2007, your maximum annual contribution is the LESSER of your annual income or $4000. ($5000 if you age 50 and above). For example, if your income surrounded by 2006 was $3000, you can simply put in a maximum of $3000. If your income be above $4000, you can only put contained by a maximum of $4000. Last day to contribute to your IRAs for excise year 2006 is April 17, 2007.

For 2008, it goes from $4000 to $5000. ($6000 if you are age 50 and above).




How to create a Pay Pal Account?


Question:


Answer:
Go to the Paypal website and follow the instructions on it.
its very simple, freshly do as it asks
Go to www.paypal.com and just create a underlying account. Credit cards wont work and some visa wont any so if that is the problem at hand isnt much that you can do.
go though ebay
drop by www.paypal.co.uk or if u r outside uk then www.paypal.com and progress to the top right corner and click on sign up then a form will appear and swarm it out and follow the instructions you should also give this theory below a go it will boost your article like batty Ive made lb33 in purely over an hour good luck and thrilled earning

PayPal Money Maker
Post by Allison Harvell on 6. January. 2007

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business.

https://www.paypal.co.uk click on sign up in the top right corner and overt an account if you do not hold one already.

Next, deposit lb3 into your new Paypal story. You can do this by adding your guard account to your Paypal vindication. (This may take 3-4 days.) Or if you want to start right away, use your credit or debit card to cause the lb3 deposit to Paypal. Paypal guarantees your security when using personal information. They do not release your information to third party. Very, very, immensely, secure!
Take the lb3 contained by your Paypal account and follow these simple steps:

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3. musicfan@boardermail.com

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UK - http://www.paypal.co.uk
Other - http://www.paypal.com




Grace purely invested $1000 at 6% interest rate. How frequent years would it lift for her investment to double?


Question:


Answer:
A great way to answer this press is using the rule of 72.

Just divide 72 by the interest rate and that will give you the amount of time the investment requests to doubles.

In your exanple, 72 / 6 = 12 years aprox.

Like wise a 12 rate of return will double the investment within 6 years. It's a quick and dirty subtraction offcourse so use ti carefuly!
By my calculations, at the back of year 12 she'd have 2012.19 if it compounds annually.
About 12 years, using the Rule of 72: 72/6 = 12.
The rule of 72:

Divide the interest rate into 72, and you go and get the number of years it takes to double.

72 / 6 = 12 years
i devise 6% is too less. if you invest sagaciously you can get around 9% coumpounding and double your money contained by less than 5 years. You can acquire better rates in India




What happans after you pay packet the broker allowance for a loan?


Question:
is tenant loans a good company?

Answer:
There are multiple Companies beside that name - at least possible some look legitimate - you will enjoy to quote the web site.

What would you guess happen ?

1) They drive off into the sunset and you never see them again
2) They ask you for more money as a 'advance payment' or 'first months repayment deposit' or 'advance fee' ...
3) They are honest, but finding you a loan is no longer their top priority (since you own paid them) and they craft money by signing up the next subject not chasing loans for those who have already salaried ...

http://en.wikipedia.org/wiki/advance_fee...
you should NOT be paying anyone to find you a loan...unless you have impossible credit.
You paid the broker duty up front? I am a loan officer in NY and the broker levy for the company I work with is compensated at closing. If you are in NY conceivably I can help you grasp the loan you are looking for. If you are outside of NY I can refer you to a honest broker that is not out to run rotten with their clients money. Most of my business is from referral and what your talking just about is not good business.
Don't remuneration broker fees for unsecured loans, try a company like www.surefirefinance.co.uk they don't charge any upfront fees.




Where can i find a resource to get your hands on Government Grant money?


Question:
Not one of the sites that are there of late to rip people bad. Grant money is free and i think the resources should be too. So if anyone could back i would really appreiciate it!! Thanks a ton :)

Answer:
You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grant.gov - these are two FREE sites created by the federal government to provide transparency and information on grant. Browse through the listings and see if you can find any grant that would support your purposes.

Even if you buy books on "how to procure grants" or list that supposedly have information on grants -- adjectives of them are mere rehash of what CFDA has, albeit package differently.

Note though that these grants roughly support non-profit organizations, intermediary lend institutions, and state and local governments. Most of the federal grant are given to specific target groups with specific requirements (e.g. minority business owners involved within transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grant.

Grants are also often given to non profit groups or organization involved in training or other similar goings-on (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

The government is NOT within the business of giving away free money for the sake of giving away money. Grants are free, but it means OBLIGATION. You will be obligated to do as the allow sets out to do. Grants have objectives, and your purpose must fit the object of the grant.

For one, you hold to write the grant application and the allow application is not a simple document - you have to explain how your purpose for applying for the forfeit fits well next to the objectives set out by the grant. Grants enjoy objectives, and the grant applications that best capture the grant's objectives are approved.

There is a stringent review process through a committee composed of federal employees and preferred experts in the grazing land. You will compete with other applicants for the compromise money, and this grant review committee will evaluate the merits of respectively proposal. Only those that they feel exemplifies the ambition of the grant will be approved.
Do you want a elected representatives grant for college tuition?

Ask your college financial aide officer or high-ranking school guidance counselor how to apply.

Do you want a forfeit for scientific or medical research?

The institute you work at will know how to supply you the information.

Do you want a grant to money off your debts or to buy a house?

There is no such piece.
It really depends on what you want to do. Here are some links:

College Aid: http://www.fafsa.ed.gov/
Research: http://www.grants.gov/
Community non-profit: http://www.grant.gov/
Disaster aid: http://www.fema.gov/

You should also check your state government net sites. FYI, there are no grant to help you next to personal expenses, debts, etc... Don't believe those late-night infomercials.




Bank error within your show partiality towards, collect lb200.?


Question:
It's like the monopoly hobby.

If your bank make an error and credits your account next to money, can they then annul it again without authority or do they have to return with your consent?

A large section of me wants to jump "tough, your mistake!" just for adjectives the charges they hit us with.

Answer:
They`ll transport it without consent; you know they will!!

I do agree beside you 100% though!

Tink x
do not pass jump
I was credited next to an extra lb5000 once they took it back 10 mins next, without my consent!
Yes, they can simply take it lacking any notification. You should make an appointment beside the manager of the mound and have them sit down and move about over your account. There is no pretext that they should not just waive the fees as long as you cover the money spent.
If not I would devolution banks and directory a complaint: Consumer Complaints 202-452-3693
As far as I know ,they would have 2 notify u and gain your permission/consent b4 they would b able 2 run any action.If that wasn't the luggage then the bank would b screaming "Foul" all the time and b digging in2 every1s accounts adjectives the time.
Absolutley they can take it stern -- You trying to keep it is call stealing.
Not sure about where on earth you are, but here, if they catch the mistake, you bet your bippy they will thieve it back. They don't hold to tell you anything any. They will tell you that it is your responsibility to hang on to up with your sketch balances. I'd dispense it back presently so as not to pay as much latter.
just spend it earlier they figure it out afterwards say your mistake not mine
They only just take it final. Though wouldn't spend it as that is evil, just earn the interest on the extra one million or anything counted as credited...




How can i grasp my money rear legs from lagos, nigeria?


Question:
i ordered a phone in ikeja,lagos, nigeria friday. i remunerated the exact amount including shipping and handling. he said i will receive the phone by tuesday. the next light of day after he got my reward he told me i will pay $180 subsequently reduced to$100 for custom charges. i want my money back but he said nigeria federal imperative doesn't allow them to send money to other countries. so how can i seize my money back or what will i do to capture my item? i don't trust sending $100 more and end up tallying and adding money in need getting anything. what will i do? thanks.

Answer:
sorry dude, you get scammed and there's nothing you can do just about it. Frankly, I don't know why you would buy a phone in Nigeria. So don't dispatch any more money and curse the heck out of that guy who scammed you.

Did you know that most of Nigeria's business is mostly related to scams and fraud?
wow this sounds approaching a scam to me, i saw special on dateline they were doing a special on south africa where on earth they take american peoples money online or on the phone!
Don't earnings him another dime. Write the loss off as a lesson scholarly.

"If it sounds too good to be true, it is"

You enjoy been shafted.
lacking doing more research i'd say you're out what u compensated. AND FOR GOODNESS SAKES DON'T GIVE MORE MONEY YET!.

if the company is actually legit, produce them send u the phone first! any company have the ability to restore your health their money somewhat more that u do.

so i'd say transmit them to send first the product, consequently you will send the final transfer of funds.

or walk away. sounds approaching they won't give u the money support, and i think they are ghost
It definately sounds like a scam to me. I would contact Nigerian customs and ask them what the charge is for this phone. Then bring back back to the clown that you ordered it from and notify him what you learned almost that. You can contact the Nigerian federal government to find out more or less this "so called" law that doesn't allow them to dispatch money to other countries as well.
You may own to chalk it up to a lesson well bookish if you don't get anywhere.
you don't. he scammed you. if he be a real businessman he would transport you what you ordered so that you will order from him again.
you will never go and get your money back. he might even ring up you to get you to convey money. do not do it!!
You were scammed. I would hastily contact any bank or credit card company if you give them account information, and enjoy your account numbers changed and your portrayal put on a watch for the subsequent 60 days.
Did you provide them any other personal information like social, date of birth, etc? If so you obligation to contact the three credit bureaus and have them "lock" your profile so no accounts can be opened short direct verification from you.
Go to FTC.gov for spare consumer info.
contact the embasy in nigeria and share them that you are being scam and they are not returning reimbursement to you at your request, get hill records and anything you can reflect of, the add where on earth you saw the phone and the payments they were asking for when you first place the establish, put a report of fraud to there regulation enforcemnt, and contact some lawers from nigeria and also contact some lawers from where you live and return with the best sollution to get your money fund,
A lot of countries doesn't do refund. It's merely some developing countries that do.
your best is not to send any more money and to contact the Nigerian Embassy within New york and ask to speak to the person that handle tourism and Commerce and let them know how upset you are and you plan on contacting several airlines to consent to them know how about the scam going on.
Also the FCC and lodge a complaint.
That is your best bet.
Maggie
Watch this video. It will tell you everything you requirement to know.

http://www.youtube.com/watch?v=d_yjvc4nd...

You be the mugu, they be the master.
nigeria is famous for internet scam (do a search for it nigerian email scams). dont transport any more cash, as for the currency you sent-there isnt really anything you can do but chalk it up as a lesson learned the firm way. sorry buddy.
This is a prank right? I don't think even Nigerians would proclaim a phone from there.
i am oliver jenkins,i am a priavte money lender,i hold a similar case approaching yours,i gave out funds to assistance one of my borrowers who needed assistant,so the time for the duration of refunds the loan,he veto refunding the loan,he is a nigeria,i contact the efcc(economic financial crime commission) and they help me and my funds was return and the cuprit be cut and locked up in intern.you can contact the efcc via their email:efcc_anticrime@consultan...




Does anyone else hold a really easier said than done time sticking to a budget?


Question:
I have a budget to give a hand keep my kinfolk on time beside bills and limit unecessary spending. We are lately getting back on our foot moneywise and I know we need margins so that the bills get compensated first. I am the breadwinner but I just enjoy such a hard time sticking to the budget when I know that we enjoy wants as ably as needs. Does anyone else hold this problem too?

Answer:
Have you heard of the lolly envelope system?

Figure out how much you need respectively month for groceries, gas for the car, postage, ingestion out, and entertainment. Put cash surrounded by an envelope for the cash for respectively of these categories. Then as you walk about your month spend the currency from the various envelopes. Once the money from one category is gone, it’s gone. Some race will also have a miscellaneous envelope for small things that are not worth putting as a vein item in the budget. The trick beside this system is no ATM trips after the monthly or bi-weekly budget is set!

In general, you budget for expected things and set aside extra for emergency. An ideal emergency fund will enjoy three to six months expenses covered in casing you lose your job or enjoy large medical co-pay for something unforeseen. However, for most people explicitly unreachable at first so you start with a small emergency fund of $1000 or even $500.

I am glad to hear that you are doing a budget. Keep at it!
What's a budget?lol
Yes, we find nearly impossible. Something other comes up. Last month we needed tires and my wife hard to own a root canal surgery. Now she wishes to have the tooth fixed and the breaks on my Honda inevitability to be done. It's always something. The wishes pretty much need to plummet by the wayside in our inherited. It's hard satisfactory keeping up with desires and the unexpected. A video rental and popcorn is a big hours of darkness out for us, we'll watch the video two dark in a row to obtain our moneys worth from it.
who doesn't have this problem . you can saunter in to walmart to buy milk and finish up spending $100. it is very strong to stick to a budget
Yeah, I tried to save money by not going out so regularly and cooking my own food. I ended up consumption bananas and speghetti for days. I realized I be getting thinner. So this weekend I decided to get through out and watch a movie. I guess you enjoy to reward yourself once in a while. And the rest of the days you can verbs saving money and not travel out too much.
Everybody in the world have the same problem. You are not alone and I enjoy been in attendance myself. Assuming that you are always contained by control of your spending, there will other be other unexpected expenses. Just paying the bills sour is NOT enough. If you cannot increase your income, rent out the extra room, terminate the vacation, babysit your neighbors kids. It will inflict you temporary inconvenience and sacrifice but to be exact the only agency you can get out of it.
God likely, soon it will become a habit within your family. It will not be a long sacrifice, newly understanding from your spouse and your children. Good luck.
ya i suck at sticking to my budget but i own tons of money and still run out evrey month
No one in the world have an easy time sticking to a budget. What does that share you? Budgets don't work! You need to enjoy more flexibilty than a budget offers. You can't plan for everything. You don't know for sure what is going to come up and you inevitability to be prepared for the unexpected. As for things you want, someone smarter than me once said "within is no end to human desire." You necessitate to quell the urge to spend frivolously. Everyone needs to control that. I'm sure you enjoy "enough" coming in to live capably.
There are lots of people beside less than you and they are doing fine. Don't come up with of things in jargon of a "budget." Think in language of a "spending plan." And be flexible. One thing I'd particularly recommend is starting to save 10% of everything no issue what.
You owe yourself more than you owe anybody else. Rethink your attitude a little and you'll do better. Everyone struggles next to money at some time. Don't make it a energy long thing. Take control over it. Don't consent to it be your master, you master it.
Budgets suck, and they rarely work.

Instead, own your employer deduct money from your paycheck into a money account. If you don't own the money, you'll naturally adjust to living inside that limit.

It's what I do. I reduce by 12% of my income into my 401K and savings and in recent times live on the rest.
YES i hate my budget i other go over i enjoy my weeks when i don't and have a lil extra it feel good




What is total cost of the saloon for respectively plan and which be the better contract?


Question:
Please help me you smart ones out in attendance. If you buy a new motor for 20 grand.You put 2 imperial down & take a loan 4 the rest you own 2 choices:
A.You receive 2,000 off the purchase price & retribution 6% interest on monthy payments for 5 yrs on the balance.
B. You own a 0% interest on monthly payments for 4 years.

Answer:
Go with the 0%. Here's why:

For 48 months (4 yrs) near NO taxes, fees, etc a 20k loan will be about $417 a month. You will pay envelope out ONLY the 20k that you owe.

For 60 months (5 yrs) at 6% you will pay nearly $348 a month (without any fees or taxes). Multiply that by 60 months and you will end up paying a total of $2880 extra within interest, or an approximate total of $21k.

So in the long permanent status, if you can afford the extra money for the 4 year loan at 0%, GO FOR IT. It's the smarter financial decision.
B is cheaper - that interest for the 5th year kill you, because it's a 20% time extension.
0 percent is the way to move about.




How behind the times do you hold to be to start investing?


Question:


Answer:
In United States, you have to be 18 years aged to invest. If you under 18 years elderly, your parents or guardian can invest for you as a custodian. When you turn 18 or 21 (this number varies between states, but its mostly 18), your parents can stop investing for you and you take full control of your rationalization.
18
Honey start as early as possible. There is not an age goal.
I think you own to be 18 to open your own brokerage description, but your parents can help to start on one up for you earlier.
frail enough to be paid the money to invest
like sweetie said! as hasty as possible!! that also means if u enjoy kids or are a kid... putting pennys away or u know quater jar etc. teach em! provide em an allowance and make the condition they enjoy to always retrieve 10% of it unconditionally. make them money erudite and smart. otherwise like the avg entity... they will become consumption heavy, and be contained by debt up to their eyeballs and not know how to fix it!

i know professionals lawyers, doctors that manufacture over 1million/year but live paycheck to paycheck cuz their mortgage is $8000/month, car return is $2400, boat $1100, etc!!

some people produce 40k per year but are so frugal (good money managers) that they own their own house (after 20 years of payin it down), car, boat etc free n clear. adjectives cuz they learned how to be worthy with their money.

"rich individuals manage their money very well, poor people MIS-MANAGE their money well"
6 months ancient, and don't forget that you can invest more than money. Time and effort can be invested as okay.
as soon as you have money you can start investing




What persentage of debt to the military can the IRS withhold from a creature ?


Question:
Is there anyway to mute the debt(awol) that the military withholds from ia people ncome tax every twelve months? Ex. A way to enjoy it forgiven

Answer:
You might want to ask this question to the IRS. Got to thei r website and ask near.
I believe they can take your entire charge return. Check with your payroll bureau so you pay the minimum amount surrounded by throughout the year.




This place is nil but a rip sour and basically want 2 caution every1-Quail Hollow One Apartments contained by Sonora Ca..


Question:
Place is mold and fungus infected all over the outside.Drugs r crawling adjectives over the place.Crimes r at a all time illustrious here.Recently a very elevated tree crashed down on one complex and went right through the roof while its occupant were asleep.Now the owner is panicing and chopping the rest down 2 cover his a_s.Most of the dwellings own No air filter.Police r constantly visiting here due 2 the crimes/drug situation.Oh and don't b surprised 2 find blood stains on your matress.Fences r falling apart.I can guarantee that u will not draw from back your guarantee deposit.Little punks always flaccid out and fighting within the parking lots,while the parents cheer them on.Most dishwashers r over 20 yrs old and falling apart.Carpets r a trick and they will blame it on the residence.Half the time the washers and dryers ,which r over 20 yrs old 2,don't operate,but still pinch your change.I merely want 2 warn every1 out at hand about this pigsty,crime-ridden place b4 Bruce the owner is laughing his a_s bad .

Answer:
What you describe here is taking place contained by many towns and cities throughout the US. I enjoy several rental units and although job here don't pay extremely powerfully, I still take hugely good aid of my property. First off I convey all prospective renters that I hold a low tolerance for alcohol and zero tolerance for drugs. I've breakneck to evict if these policies are not followed. I clean, repaint etc every place back it's rented and follow up fast on complaints anything the problem is. My building looks a little rough because it won't hold paint but I cause up for it in other ways. I enjoy people calling repeatedly looking to rent from me. some almost in tears because they live contained by similar conditions you describe above.




Do you enjoy a dime to your first name?


Question:


Answer:
Not really. It's all rented to me. I know this because when I die I can't take any of it next to me.
UAE Dirhams, Egyptian pounds, Algerian dinar, A komek?,a yen, euronope no dimes!
Quite a few, actually. Some are even silver!
No, but I hold 12 unopened rolls of the new George Washington dollar.
After 3 divorces and 2 bankruptcy I do have slightly a few dimes to my name and deeply little debt - but no assets to speak of.
i have a intact coffee can full of them, and another one full of pennies, and another full of nickels...

i use my quarters for laundry and parking though.

plenty of dimes to my dub, but no quarters.
No, don't reckon so, I've got some pounds and fairly a few euros and some assets as well though.
I own many dimes..lol
I own a dime and a quarterand a penny..




I inevitability to lug out $725 from my hill?


Question:
Do I need to flood out anything before mitt or can I just move about talk to someone and they will aid me?

Answer:
Most limits for special treatment are for amounts much bigger thatn $725 so you should be ok next to a slip or just writing a check to "cash" if you own the balance to cover it. Heck, if you own an atm card, most daily limitations are between 250 and 500 a day so you could hold your 725 in a couple of days short even stepping into the bank.

Good luck!
If its within your savings or checking you lately make a debt. If you are referring to a loan you will have to have a word to a loan officer.
If you need to ask the sound out, you probably shouldn't have the money. Fill out a withdrawl slip!
turn inside the bank and stuff out a withdrawal form
if you are taking the funds from an existing information you can just near drawl it but if you need a loan within are repayment forms to fill out.
No inevitability to fill out anything simply go to the hill and ask them you want to withdraw the money. Give them your side numbers if you remember. Otherwise just distribute the SSN and they can pull out the info. I give attention to you must carry a photo psyche. That should be fine.


ok now afford me a thumbs up
Bye




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