homework aid?
Question:
What do you think should be the role of credit cards, brass, checks, money orders or debit cards your personal money headship? What are the advantages and disadvantages of each?
Answer:
Debit cards hold the money come directly out of your checking account. They are honest if you have the money within the account. Checks are polite if you need validation of purchase. Credit cards are never a good perception. Good way to catch in debt and in a hurry. I know from personal experirnce. Cash is the best. Easier to deal near
Dear friend i hope this website will clear all your doubts
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obligation to rollover my 401k please recommend a virtuous fund?
Question:
Answer:
I just rolled over my 401K to an ING Direct IRA information. They have great option and low maintenance fees. Check them out. www.ingdirect.com
THE ME FUND! everyone loves me :D
Fidelity Contrafund
I want to hide away Rs 2-3 thousand PM for long term(10yrs or above) please explain to me the best route?
Question:
Answer:
Choose 2 good ELSS scheme (tax saving mutual funds) resembling HDFC Tax Saver, HDFC Long Term Advantage or Franklin Tax Shield. Invest for 1 year using 12 monthly installments. Then continue further depending on their behaviour. They are good pick because of consistent performance, long occupancy view and tariff benefits (on both investment and gains).
Open a charity, then invent a disaster. Then sit posterior and watch money pouring surrounded by
how do you renovate foreign money into american dollars?
Question:
Answer:
Depends on where you are. If you are traveling to the US, afterwards don't worry, you can return with an exchange at customs on the US side. If you are in the US, consequently go down to your local Federal Reserve sandbank or your home country's embassy. Overseas, I don't know how you would exchange, sorry. Hope I helped.
progress to a bank and take the exchange rate... then notify them to change it
Go to the hill or a currency exchange office
lift it to the bank and they will do it.
If you live anywhere close to a major airport, they usually enjoy a little booth set up for that genus of thing. I tried it once, but apparently the country from which the currency come from no longer existed in like peas in a pod form, and therefore the money be pretty much useless.
go to some exchange center or hill... and they ll do the rest
abracadabra, bing lat a zing, change this third world stuff into the tangible thing
Wash it
Is nearby any agency I can lolly contained by an post contained by rebate from a foreign country, if the transaction happen contained by the U.S
Question:
I have purchased heaps products from Tigerdirect in days gone by, maybe they can also support to answer my question! Thanks.
Answer:
If you can win the rebate in the form of a valid check, you can deposit or currency it at your bank. It may thieve a while to clear.
It would be best if you could get them to issue that check surrounded by US dollars, otherwise your bank can charge you fees as they convert the currency to USD.
It may also be possible for them to do a verbs directly into your account, which is usually cheaper, but requires you to divulge your commentary number.
Good luck!
child support is a complete set-up!?
Question:
here what i dont get. prior to our divorce, if you clutch all things into consideration, mortage pmt, utilities, food, dr bills, clothing and schoolsplit it right down the middle and it literly cost us 667.00 a mnth to angle our five yr old. next why am i paying 1350.00???
Answer:
Depends on the laws surrounded by your state but I can tell you how Florida does it. The percentage of the total income is calculated for both incomes. Then the total income is looked up on the state statute chart. That total support even is then divided by the percentage of the total income for both party.
The methodology is fair but the numbers on that chart are completely unrealistic. In Florida the first child is essentially 20 to 25 of the GROSS income. In my case even near a parochial school tuition and a small acting (like 6 week) expense my ex could not come up with plenty expenses on her financial affidavit to equal my support level. I be actually paying 2.2 times the actual expenses. She be actually profiting from nouns.
There is no political concern for fairness while there are frequent groups ready to pounce on anything that lessen the advantage to the mother. Actually the ruling financially rapes the non-custodial parent. When the father is the custodial parent it is the mother who gets screwed by this.
BTW medical insurance be on top of the rate set by the chart.
acquire custody of the the kid
maintance cost for child. Now you are paying all of these things except they are not individual used by you.
Well, because now your ex is taking vigilance of everything on her/his own, so s/he can't afford the cost of child "care" too. Actually, I'm glad to hear it. My friend got $25 a week when her son be 1 (and gets smaller number now that he's 4) How rational is that? $25 a week doesn't even pay for diapers, permit alone food.
Because its not about splitting the bills down the middle its almost keeping the child in equal life style the child be use to before the parents settled to divorce.
Because she had a better legal representative. Not joking! Lots of divorce settlements and support directions come out very lopsided because one person's advocate is better than the others.
She is a lucky lady! I get $120/month for my child support, a friend of mine received $25/ a month. I guess you could avoid paying by quitting your job and working "lower than the table" or going on welfare, but then you could basically be a man and do your duty without complaining.
Nobody force you to hold a baby.
I Need The Money !`?
Question:
I am 19 and needing to move within to my own place quickly So I hold decided to jump private rented the only problem is that I stipulation about lb300 for a bond any suggestions as I own no family to lend it of
Answer:
an overdraft from your sandbank would have a low intrest rate or a low rate cedit card or Ebay if you hold anything worth lb300 that you dont need (old digital camera, phone etc) if you cant lift up 300 ask if you can give 100 and next as someone suggested earlier in recent times add lb50 a month on the rent for four months.
Ask if they will adopt an extra lb50 per month on the rent to act as a deposit. You dont know if you dont ask!
please try and not move about into debt for this, you will end up paying double or treble what you borrow, do you own anything that you can sell? you can try raise the money that way, or put leaflets out offering services for strange jobs, close to putting bins out tidying gardens, cutting grass etc, hope this helpsxx
Save up for it.
Get a loan from your ridge.
Borrow from a friend.
Try offering an expensive item in lieu of lolly.
As it's only three hundred ego go into your sandbank and see if you could arange an overdraft, it might even been interest free and save overdrafts are usually at a very low interest rate, it would also close-fisted that you would only be obligated to pay packet back what you want on a monthly spring.
Provident and they normally settle out after 24 hours of seeing a rep. Extortionate APR though but you just foot person weekly.
step to bank
As a tutor, what investments should I be making besides an IRA?
Question:
Answer:
As a teacher, assuming you are contained by a public school district, you should be participating surrounded by a payroll deduction 403(b) which is habitually referred to as a TSA or tax-shelter annuity. Depending on what step you are at on the pay extent and if you have your masters level, which of course control your gross level, I recommend contributing the maximum annual allowed (in 2007 it is $15,500). Naturally, if you are freshly getting started, your income likely won't allow you to contribute the maximum. In most districts, by the time you hold reached step 7 and own your masters (if you don't have a masters and plan to tutor for more than 10 years, it's well worth taking darkness classes to get one), your income should be to the point where on earth you need to cause the sacrifice and max out the contributions. Of course you can make lower contributions outset immediately, it adjectives just depends on how much you can afford to contribute.
If you don't own a 403(b) plan set up, ask some of the veteran teachers around the institution (ones who seem intelligent) and they can refer you to the agent who they work near on their 403(b).
If your district allows you to invest directly into mutual funds (as opposed to a unsettled or fixed or indexed annuity), you definitely want to be in motion that route. Not all districts allow it. Whoever head payroll will be able to describe you all available companies that own payroll slots in the district. If they mention Fidelity or Vanguard, next they do allow direct contributions into funds, and that is the best route you can thieve.
Depends on your situation, but there should be the following:
IRA
Government Pension (the rule still has them)
SIMPLE or 401K
Do you know what store would enjoy?
Question:
candy bars contained by bulk so that our school could put on the market them without going through a company which would engineer us pay intreast?it have to be a chain close to wegmans,tops,walmart the list can jump on!!
Answer:
BJ's Wholesale
Possibly Costco.
Hershey they do all sorts of fund raisers
you could try the bulk barn :)
i would right to be heard costco or sam's club.
Places like JTF and Macro etc
You can try the making directly. But, if like you enunciate you need to stir to a chain, try Wal Mart first. They may put up for sale it to you at cost. Around me Wal Mart is very involved beside the community and has done things resembling this in days gone by.
See's Candy... http://fr.sees.com/frhome.cfm
It's criminal for these stores to sell to you at cost for you to turna profit. The manufacturer expressly forbid it. Ever notice specifically says "not for resale" on the candy?
Sam's Club, BJ's, Costco, they trade wholesale to merchants all the time, might try to chat near the local managers, could bring back even a better deal.
I am 47 and a moment ago found out I am going to inherit two million dollars contained by 13 years.?
Question:
My question is how should I live my natural life NOW. Should I still bother about in your favour for my future, try to retribution off my 300 thousand dollar mortgage, or only enjoy the money I own from my paycheck now, safe and sound in the fluency that I will be taken care of contained by the future? I am not complaining abut the money I am going to be getting, but it have caused a LOT of mental confusion for me.
Answer:
A lot of things could alter in 13 years. There may be a million factor that may either stifle the amount of money you inherit, or result in you inheriting no money. I assume that the money is contained by some sort of financial instrument. I have one-sidedly witnessed many individuals lose a colossal chunk of their savings contained by a small period of time. Another piece that you must keep contained by mind is inflation. Two million dollars may not be a whole lot contained by 13 years.
Even if the investment grows at a greater rate than inflation, you will still need to plan ahead for it. You still should gather up and pay down your debts. If you agree on you practice poor financial habits, next you will most likely use that inheritance to verbs yourself out of a mess instead of enjoying it as supplementary income.
My proposal to you is to ignore that inheritance and plan your finances as if you will not inherit any monies. Learning apposite financial habits and sticking by them will comfort you in go, whether or not you do inherit money.
13 years man, u have a wile
anything can take place in 13 years...be mindful of that
Do not hill on that money, and save for the adjectives. Two Million dollars in 13 years is not as much as you deduce with inflation at 3% per year. Not that $1.3 Million at today's authentic value is chump conversion (=2,000,000/(1.03^13)). There is no such thing as a sure piece and I wouldn't bank on that money until it be in your pocket.
You can probably splurge a moment or two if you're sure about this money, but within no means is this going to put you surrounded by the upper echelon of society.
Just ignore it until it happen...
People are always sorry when they backfire to realize that a bird in the mitt is worth two in the bush...
I'd step with the prehistoric and wise adage, "Don't count your chickens before they're hatch." I don't know the circumstances of your potential inheritance, but a million things can happen between immediately and then. Until the money is protected in your wall account, live your energy as though it didn't exist, because at the moment, it DOESN'T.
Don't take anything for granted...or energy will find a way to screw you. That's of late Murphy's Law.
Things change.better lately put it in the stern of your head and verbs to live like you enjoy been...as if you be not getting any money.Then when you do finally get it...after it's time to enjoy.I know what your going throughmy mother surrounded by law is loaded and is anyone stubbrn about dying.
The adjectives is never really very abiding. to be realistic almost the situation you should assume that you may not inherit the money. The philosopher seneca would suggest that you assume a slightly pessimistic view, do not hold your hopes to high. I ponder it would be more important to focus more on how you can clear your own money in a route that makes you pleased first.
I am older very soon than you will be in 13 years. Keep living your time as you always hold. Take comfort in the certainty that you do not have to hang about till you are 62 or 65 to retire and that you will not be dependent on social security and or your retirement. If you did not know you would not variation you style of living. You can fantasize about what you will do when you gain the money that way you will know what you really want to do near the money
Wow! That's a tough one! I guess it all comes down to the following:
1) If you can officially gaurantee (with lawyers involved) that this money will be yours when you turn 60, after you should live your life to the fullest right presently! There is simply no time like the present to relish life (while also ensure that you have a nest egg of funds within case you or a loved one become ill surrounded by the next 13 years, etc).
2) If you can not justifiably gaurantee that this money will indeed be yours, then you must verbs to live your life the best opening you know how assuming that this money will not exist... because it effectively does not exist for you until it is actually within your possession!
Apply one of these two rules and you will do just fine!
Isn't it ironic how such a wonderful windfall can raison d`¨ētre so much confusion?
And... remember that if money meant instant jollity then their would be no suicidal rock stars! Continue to do things that you savour and focus on these things even more... it's not money that will make you beaming for life; it's you that will!
Regards,
Russ
That is a tricky decision, however you cannot tolerate it stress you out...I would hate for it to bring a negative toll on your present energy. However, continue to live your enthusiasm to the fullest.. Continue as usual. On the other hand, engender sure that you prepare for this blessing. (Do take precautions though, If you hold children and/or wife (whomever) have a living will drawn up. The worst item is (God forbid) something happens, you want you inheritance to be in safe hands. You want to be comfortable in the years to come.
Hi Marcy, Do as you enjoy. Save your money, don't change your duration style. You have 13 years( unlucky #) to hang around for your 2 mill. You never know what will happen contained by 13 years. You may become ill,and enjoy to use alot of that money for medical bills,or something else could happen. So, don't shift your life until afterwards. If you ever want to help a personality out who needs money,administer me a call within 13 years' LOL. A Friend.
Clowmy
Can we be friends and where do you live? lol
Live your duration as you always own. Alot can happen within 13 years. For one thing, near inflation and everything in 13 years, 2 million dollars is not going to be what it is today. Also, you could develop some unbearable disease that would require extensive (not to mention expensive) medical care, contained by which case 2 million dollars would probably be eat up rather summarily. Or you could die before the 13 year waiting extent is up. What good would 2 million dollars do you later? Stop worrying (and complaining) about the money you don't even own yet. I lost my opportunity 8 months ago when my employer went out of business, and of late this week, my husband was out of a job from his job. Be obliged for what you have immediately - at least you enjoy a job and a paycheck!
immediately days 2 mill isn't allot it good money but your not rich hold on to saving and spend sagely always maintain a plane b
$2,000,000.00 USD is not enough to survive four decades.
Asuming you invest it and you brand enough to call off inflation you would only enjoy $50,000 USD per year.
You are not going to be poor but you cannot buy a Diablo or a house in the Orange County any.
If you don't pay your mortgage by next the figure will be even lower.
I suggest you to forget something like that money and work as usual and invest your paycheck wisely.
Also if you enjoy children you should buy a $2,000,000.00 USD (For each children) energy insurance for yourself and those cost some serious money.
I don't know how much money are you making now but you could hold $2,000,000.00 more in 13 years if you other invest some of your paycheck.
Top 5 Answerer.
Can I use Standard Charted atm card to repeal money from other ATM.?
Question:
We do not have Stan chart ATM facility contained by Nashik, India.
Please suggest a solution so that I can use that card and withdraw money from the stan Chart vindication.
Answer:
Yes you can so as long it has a MEPS logo on it however at hand will be a minimal processing fee of RM1 imposed.
Rgds
yes you can repeal cash from other associates dune of standard charted ATM you can list from relieve line.
Yes, you can draw lolly from other bank ATMs, but they'll charge u some amount that might be Rs.50 or some, if they own associate banks they charge u little. that detail will be in ur sandbank Atms center or been within associate bank atms. use ur edge helpline to know more details
If u ahve a salary picture with stan chart edge, then ur first 4 transactions next to any other banks's ATM centre would be free.
But if u own an ordinary a/c. consequently u have to recompense Rs.50/- for each txn.
u can its ur money but its that u a short time ago pay a bit more for withdrawing u r own money
you can use the card from any ATM have the Visa or mastercard logo but you will be charged around Rs. 50 for each withdrawl and Rs. 20 per examination (rates may vary)
As long as it is visa or master you can withdraw from any ATM position that logo. Remember there are charges attached to it.
In what route can we aid you?
Question:
We are out here to see that all interested company and personal loan are offered to adjectives.
barry wire loan gos for adjectives.
are you in dept?
do you want to start up your business?
consequently here is your chance
Contact via e-mail barrywirelenders@yahoo.co.uk
Answer:
lend me the money, but do not expect to get any fund.
I hope that yahoo send you a big bill for public relations on this site, nothing within life is free.
DEATH TO SPAMMERS!!
Is it possible to product more than a short time ago the initial deposit beside a disc statement?
Question:
Answer:
Yes, You can deposit into CD reason as much amount you like. You can issue as tons cheques to the client within the week. Saving narrative has no such facility. there's some restriction for issuing cheques contained by a week. CD funds current depost account
yes, it can be as much as you want.
i dont deduce so... cd's only tolerate you deposit one sum of money and you have to keep on... you might be able to give money, but there might be a charge. if not possible, why not a short time ago open another cd...?
as surrounded by cd... you mean warrant of deposit right?
Can I open out a checking statement and pick my card at the branch?
Question:
I don't have a undying address in the US and I am staying at a friend's house can I own the bank convey the ATM card to a branch instead of mailing it to my friend's address.
Answer:
You usually can if you make available the bank a BS story. I work for Bank of America, that how it works near. Let me know, I'll tell you how to grasp around it.
yes you can i'm from new orleans and when the hurricane hit us adjectives of my things where moved out in the house.so my edge sent my card to a chase bank branch and it individual took 3 days.
so go far it
Yes you can.
roth ira versus traditional ira?
Question:
Answer:
See my link.
Can just put up to 4K each year surrounded by the Roth. The traditional ira is taxed when you hold it out at the age of 60 or older but it allows for a narrowing of taxable income now.
You don't compensate taxes on Roth when you take it out when you're retired.
I am a believer that a bird within the hand is worth more that two surrounded by the bush. A trditional IRA allows you to save the taxes TODAY. A Roth IRA allows you to retrieve the taxes in 30 or 40 years. If you could achieve a guarantee that you would live long enough to annul all of your Roth lacking paying taxes, then and solely then, put your investment into a Roth. As for me, I will give somebody a lift the tax money today, not in 40 years. The medium rave about the Roth and I enjoy never been competent to figure out why.
Roth IRA get my vote.
Very few folks can actually discount their traditional IRA contributions anymore. Also, if they do deduct them and increase their reimbursement (and/or lower their taxes) they rarely put those duty savings dollars to angelic use.
Also, the Roth IRA contributions are liquid (can be withdrawn prior to age 59.5).