Personal Finance Question and Answers

How can I earn some dosh rapid?


Question:
I am 14, and desperate for some extra cash.
(p.s.) I don't procure an allowance!

Answer:
babysit
get a broadsheet route
walk dogs
Sell some things you enjoy. get a post. offer to shovel neighbors snow, babysit, amble neighbors dog. something like that. Do chores for elderly being you might know. Hope this gives you some philosophy. Good luck
Wash cars, sell cookies,mow lawns, hustle(j/k)
Or newly do extra work around the house
Easy way to earn money, but not to much.

Just read email to get hold of point, the more point u get the more money u acquire. Or get more friends to fuse u to get gold ingots member.

It FREE to sign up, no entail to pay anything.

Visit this knit http://www.emailcashpro.com/?r=liangtai0...




do i own any recourse for a lost money lay down purchased from my wall?


Question:
bought money order from scotiabank surrounded by canada, i sent it xpresspost to my daughter in florida, it is 10 days previous the guarenteed delivery and she have not recieved it, do i have any recourse? can i return with my money back?

Answer:
when you purchase money writ, you should have a acceptance with a tracking number on it.

Go to the banker, and ask to cancel it, and issue you a unsullied one. Usually is no cost, as long as its not a refund. Then transport again.

Also, went to Xpresspost to claim your lost.
GO TO YOUR BANK AND THEY SHOULD HAVE SOME WAY TO TRACE IT BY A NUMBER. YOU SHOULD HAVE A RECEIPT.
In the US you would call for to post a bond to protect the bank to return with a replacement. If you have apposite credit they might take a personal bond.




Culligan, Davis & Associates Loans?


Question:
I am trying to find out about this nation I was approved by them for a loan for $5000.00 and a moment ago want to make sure Im ok. I enjoy to put down a secured payment of $500.00 to grasp the loan for the insurance. Please let me know if any of you hold hear or delt with this company www.culligandavis.com

Answer:
yes they approved us and requested 500.00 deposit they assured us that the money would be within our account contained by 6-12 hrs. that was 5 days ago and can not bring them to return our callls if you have any information please notify us so we can try to win our money back
don't do it i lost 625.00 they are a scam big time
Anthony, so far I fond this complaints:
http://www.complaintsboard.com/complaint...
http://www.complaintsboard.com/complaint...

As to me, this is more, than satisfactory to stay away from this company!

Good luck!




I have an depiction beside you. I file bankrupcy. Chapter seven , immediately I can't go and get refinance because of your co.


Question:
can't refinace my home with you on the credit report . When your not suppose to be near , because you were cut of the bankrupcy. So will your company please take it of my credit report.

Answer:
you stipulation to contact Yahoo directly, not go through here. This is a place for other ethnic group to answer questions. I dont take in how having an email address thru Yahoo is preventing you from refinancing your house.
Although, I am not sure who you are asking this sound out to, filing chapter 7 Bankrupcy does not subject your creditor to remaining on your credit report. If you file Chapter 7, and still owed the creditor money, they have every lawful right to be on your credit report for up to 7 years after the bankrupcy was discharged. If it have been longer than that time frame, consequently there is a moral chance the creditor be not aware of your bankrupcy status, and you will need to contact thier credit department and provide to them copies of your court papers. You may necessitate to hire an attorney that specializes in credit repair or contact your productive bankrupcy attorney to assist you in this event.




How much within dollar good point would 5 pounds of $100 dollar bills contribute you?


Question:


Answer:
Well how much does a $100 bill weigh?
Each bill weighs one gram, near are 454 grams in a pound.
So, 454x5=2270. 2270 x $100= $227,000

Now, I would resembling that delivered to my doorstep tomorrow morning please! :)




Is it possible to folder for Chapter 13 Bankruptcy over the phone?


Question:
My friend just told me that he did the preliminaries to start to wallet for Chapter 13 over the phone and it cost him 95.00. Did he just attain scammed?

Answer:
If you live in the states - yes - you can't database unless you've completed a trustee approved financial class.he got scammed. I hope he didn't administer out all his credit #'s & soc sec & date of birth, etc
Well, he said preliminaries, they most expected just get started and he will end up spending several hundred more to if truth be told file and he will hold to provide all the details. Depending on how complex his finances are, a ruin can be only a few hundred to several thousand dollars.




Opening a foreign edge narrative?


Question:
i am currently with Bank of america but they seem to be to always mix my stuff up. can i take personal input on which bank is better. WaMu, Wells Fargo or Bank of america.


Thanx

Answer:
I've have Wells Fargo accounts for years. They're innovators with on-line bank, and have one of the best systems for this. It's really trouble-free to track all my accounts this instrument.

They don't have the best rates, though. I maintain savings for property taxes separately contained by an ING Direct account. They don't hold brick-and-mortar branches, but I really don't need any. ING Direct have some pretty good interest rates near no minimum balance requirements - their money souk is now paying over 4.5%. Good luck to you surrounded by your search.
They're adjectives about duplicate. Fees fees fees every time you blink.

They all are gougers.
Check out Wachovia, they are the 4th largest ridge in the nation, also check out your local bank, usually home style banking is the course to go.
don't consideration yourself to big banks. I did some research formerly opening a hot account, and the best bet concluded up being a regional wall called compass dune. Good interest rates on FREE checking accounts, and they reimburse ATM fees from any other bank. Each edge has a description on their pattern site.
1st thing, be in motion to yahoo maps and click on bank, it will show where the wall branches are and you cans ee which ones are within your vicinity, later go from nearby.




What is better? A disc or a ING sketch?


Question:


Answer:
It depends on what you are trying to accomplish and how much money you have. If you are looking for the superlative yield on a FDIC insured justification then progress to bankrate.com and look around.
they both same, but i can offer better choice




Is in that a state or federal fund that can support me fix my private road?


Question:


Answer:
Not that I know of but if you find one, let me know. I also live on a private road and I've be wondering what I do when it gets within disrepair. At the moment, it's fine but a few years down the road, then what?

Someone told me I can petition the city to help yourself to it over. I don't know if you can do that where you live but it might be worth a shot.
Depending on where on earth you live, speak to the person that be elected to the police jury in your district.




Whats the difference bewteen a credit league and a guard?


Question:
My coworkers tell me i can draw from a free account at golden one through my work, but ive other been a contributor of a bank? Which is better for someone surrounded by my situation @ 23 yrs old, making okay income.

Answer:
Taken From: http://www.findcu.com

A credit alliance differs from a traditional financial institution (banks, savings and loan, etc.) within that the members who enjoy accounts in the credit alliance are the credit union's owners. Since a credit union is a co-operative institution, its policies governing interest rates and other matter are set to benefit the interests of the membership as a full; for example, credit unions recurrently pay sophisticated dividend (interest) rates on shares (deposits) and charge lower interest on loans. Credit union revenues (from loans and investments) do, however, necessitate to exceed operating expenses and dividends (interest paid on deposits) contained by order to remain within business, and this excess is used to expense loan losses and build capital.

Credit union offer copious of the same financial services as bank, including share accounts (savings accounts), share draft (checking) accounts, credit cards, and share term certificate (certificates of deposit).

The for-profit banking industry have a conflicted relationship with credit union. Bank trade associations are opposed to the tax-free structure on proceeds that credit unions relish and the American Bankers Association has identified the revocation of credit unions' tax-free benefits as topping its political agenda surrounded by 2004 and 2005. However, bank holding companies and their affiliates aggressively compete to provide services to credit union through their ATM networks, corporate checking accounts, and Certificate of Deposit programs.
Definitely a credit union is better. CUs exist for their member - a bank exists for profit. That's why CUs submission better rates, usually in adjectives cases, vs. a bank. They can usually a .25-.50% better rate - when good and borrowing money and usually no minimums or fees on checking accounts.
With a credit union, the citizens who deposit money "own" the credit union. Loans are given from those deposits and the interest salaried on those loans goes wager on to the depositors. The "spread" between the interest earned by the CU on loans and interest remunerated by the CU on deposits is only used to reimburse the administrative expenses. In the bank scenario the spread have to be bigger because there are owners/stockholders that are surrounded by business to make money. So, in general the interest rates at a CU are lower on loans, normally the interest they recompense on deposit accounts is about like peas in a pod as a bank but could be slightly difficult. I would keep your description at the bank too, so that if you can't involve yourself in at the CU in the event you lose your brief (some let you stay some don't), you still enjoy a long term bank reference.
technically,i dont know.but i hold an account at respectively option,and i know one thing-theyre a heckuva lot nicer to me @ the credit coalition!
Credit Unions are usually the best bet because they are owned by their depositors. They will probably offer you a better interest rate on your deposits and any loans you requirement.
Just make sure they are FDIC insured and that their hours are compatable for you.
Once you become a branch of a credit union (rather than an information through a bank) you will find better interest rates, more reasonable fees contained by the case of overdrafts or underneath the limit accounts. You may also find that because it is a "membership" you will obtain better rates on credit lines of almost any type. Definitely go for the credit association style of managing your money. It is far more personal than the regular banks! Great query by the way for a babyish individual. It took me to the age of 33 to even question that aspect of financial strength and wealth.
Merry Christmas
One suggested CU is Christian Financial Credit Union you can find them confidently through your search engine.
The difference is that bank are FDIC (Federal Deposit Insurance Corporation) insured and credit unions may use a different insuring agency which may differ from credit alliance to credit union. Also bank are for-profit organizations owned by private investors and govern by a board of directors chosen by stockholders. Credit Unions are non-profit organizations owned by their member (you, the client). The clients choose a board of directors to govern Credit Unions.
I wish i know
Have used CU's for a long time, happily I might put in, but you might look into how solid they are .check CUNA




how do i grasp the humama plan booklet?


Question:


Answer:
I think you connote Humana plan. Here's a website for it.

http://www.humana.com/




what is dgs/rpp?


Question:


Answer:
This site provides a thread about it - may give a hand - I dont know

http://forums.moneysavingexpert.com/show...




berber owns a 20,000 elected representatives bond that pays interest at an annual rate of 8 percent.?


Question:
How many dollars will he receive as a quarterly interest expenditure?Which expression below .1.) 20,000 times 8 divided by4 2.)20,000 times 0.08 divided by 4 3.)20,000 times 8 times 4 4.) 20,000 times 4 divided by 8 5.) 20,000 times 4 divided by 0.08 Which is the correct anwser.

Answer:
No. 2 is correct except for the fact that affairs of state bonds pay semi-annually not quarterly.
Dern Bobby Jo! That's a gonna whip some cipherin'! Since I lost them fingers, I can only obtain to 7 now.




when collection agencies place holds on checking accounts can they place like on abiding picture also?


Question:


Answer:
I think I entail to understand what you expect by "place holds". If you have be sued and they have a decision and they are attaching your assets, yes they can attach both your checking and savings accounts. They can't do any without a decision unless they are collecting for a public entity (like a state tax commission) and the public entity have the authority to do so without a ruling.
Yep
yes they can. am living through this from my ex
Collection agencies cannot place a hold on ANY of your accounts.
YES




how do you start to invest or...?


Question:
I would like to know how you start to invest or play the stock flea market? I was thinking on researching formerly i put my money into anything.

Answer:
If your company has a retirement or 401K plan start here. Usually the company will match what you contribute, so voice you put away $1,000 a year and the company match is 5%, they will contribute $50.00. It doesn't nouns like much but if you do this every year, you own the magic of compounding on that investment. If you can, put the maximum away contained by the sponsored plan because you won't have to remuneration income tax on that money and the percent contribution will be larger.
You can start by playing within
www.virtualstockexchange.com

this is a good simulation and a apt practice tool before playing beside your own money.

Good luck!
Open and online discount broker account (Scotttrade, Etrade whatever) and be exceedingly careful. When I started I lost my shirt and stock simulation trading is much different than using your own money. It will fool you! I solitary like big christen stocks with greatly good profits and avoid penny and little stocks like the plague.
the virtuous way to start is http://4xgenie.com - use MSMS555 code when signing up as a unmarked memeber, you'll get free trial,you dont obligation credit card.The most importantly this type of investment is profitable . so good luck!
You're 100% right to do your research first. Start near mutual funds. Be aware that most people who "play the market" lose. Make sensible long-term investments and prosper. It's not a win rich quick item.
The best program to make income nifty is http://tinyurl.com/ylkczs

if you don't have the money for that program but then you should swot to invest. virtualstockexchange.com is a FREE site where you can practice definite stocks with fantastic money.

When you get the droop of it:

Sharebuilder.com is the best place for you to start if you want to do stocks. Many mutual funds can accept monthly investment plans, and some will allow you to start near as little as $50.

If you pick a basic mutual fund, you're probably as undamaging there as anywhere. It won't be a world-beater, but it will be a great place to start until you build up your dollars.
best point to do is put your money in a funds account next forget about it anyone there.




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