Personal Finance Question and Answers

If I asked you for a dollar would you confer it to me?


Question:
I was wondering If associates would actually say-so yes or no! I would not really go asking for money...but hey college is expensive!

Answer:
hell yea dawg, i'm a giving party like that!
haha sure
bahaha
yea
its lone a dollar
What would I get for it?
nope :)
I probably would.
Nope because we dont use dollar contained by my country.. we're using peso so i cant give you a dollar...
If, I have a Dollar I would.
I will give you a dollar for every push up you do.
Id update you to get a position. I doubt i'd give anyone more than a dime who wasn't within desperate need.

Sell some blood or something.
Sometimes the answer depends on my mood hehehe. But really reasonably often I dont hold a dollar. When a homeless person asks me I am other stuck on what to say, because I longing he would know I am penniless too.
What could I possibly tell him? I choice he knows I am not much better position, really.
For a college pursuit? Sure I would find you a dollar.
I probably will!
Sure, is that adjectives you want?
I have 2 years of college vanished at about 18,000 and afterwards grad school for 2 years at who know how much and then I will carry a job...achieve back to me contained by 4 years. and yes, college is VERY expensive and the sad chunk is when my son who is now 12 get ready to run, it will be too expensive for anyone to go even near full aid
a dollar is like a penny what the hell you gonna buy beside a buck, here you go thought!




What is the bread transaction hold back at the edge bfore the wall is required to report the transaciton to the gov


Question:


Answer:
$10k. Do it in 2 transactions on 2 different days. If you do it contained by the same sunshine, even at different times, they will pull out the form on you.

There should be no worries but who wishes the IRS breathing down your back.
$10,000
Any deposit or subtraction above $10,000.00 or a negotiable instrument (like a money order) purchase near cash over $2,500.00 is required to be reported. This is not a bid promise as long as you're legit. This applies not only to a single deposit into a single report, but if multiple people deposit money into an statement and it adds up to over 10K or if you totter in beside over 10K and put into all different accounts. This is not a big business deal unless you're guilty of money laundering or funding terrorist endeavours, or tax evasion. If you're not doing anything wrond, I wouldn't verbs about it. There is a box where the desk clerk can put in action, so like if you only just sold a car and you own 14K in bread, they can put that you just sold your saloon. I work at a bank and we enjoy a customer who sells used cars and they come within with over 10K adjectives the time. It's no big deal as long as you're reporting your income and your occupation/line of business is within line next to the amount and frequency of your cash deposits.




how can i still work and collect canada pension- for 2 months i cant earn more $840.00 a month. im 61,?


Question:


Answer:
Get a part time chore as a wal-mart greeter.




Well I ever receive rich..?


Question:


Answer:
Yes!
You may want to check out this website...http://www.4xmoneytrain.com
You'll be glad you did!!
The answer to your question is really up to you. Can you? Definately! Will you? That's up to you. There are a few books that can help you go and get the basic guidelines of how to be rich but single you can take the time to write your goal and plans to achieve them. Only you can trade name those goals faithful and stick to the plans. The more time you have to invest within your future, the better the probability. The key at any income height is to spend less than you earn and maintain your eye on the prize, so to speak. There are a million reasons we can spend money and advertisers clear it easy beside "low payments" but when you stop to realize the value you receive from those low payments, you will know if the purchases are truly right. How many things can you spot contained by your closets that you bought but aren't using and wouldn't miss if they were taken? The probability are many. Had you kept that money within an interest bearing rationalization instead of sitting in your closet, you'd probably already be on your process to riches. Start today to formulate a plan and make yourself the commitment to stick to it. If you disregard my proposal then the answer is, "no..." you will never attain rich because you'll have more debt than assets. Change your adjectives TODAY.
That's your decision! What's your aspiration? What are your standards? What do you decline to be without? What will you bring or die getting without founder as long as you live?
you may get rich depends on what charge you work at and how much money they gives you or if you invent something that alot of those would want to by!!!!...
probably not because you spend too much time on this site instead of making money.




!980's circulation $100 bill and a &50 dollar bill ???


Question:
I heard that they are no longer making that circulation of money and explicitly worth more than face importance? It sounds kinda silly to me. does Anyone know if this is true or not?

Answer:
Yes, $100 and $50 bills are still being produced. Pre-1996 transcription are the older design and scarcity the mylar thread imbedded in the rag and the watermark that are on current notes.
They are still strictly common, and unless they are uncirculated, I would read aloud they are still worth only facade value.

Here contained by the San Diego / Tijuana area, plentiful merchants and currency exchanges are reluctant to accept them because they paucity the modern anti-counterfeiting features, and they are much easier to fake.
I am pretty sure that they still take home 50 and 100 dollar bills.

HOWEVER... if you can find a penny from before 1983, they be made with 95% copper, unlike today's pennies which are mostly zinc. A penny made from copper is worth almost 2 cents in lingo of the metal. So if you collected enough pennies you could provide them for a profit.. of course... destroying money is informal.




I am going to live overseas. How can I verbs to settle up my bills here while living.?


Question:
How can I continue to clear off my credit card and student loan, while living overseas?

Answer:
Online bank, wire transfers, checks, credit cards

Unless logically you are going someplace very remote.
Online Bill paying
a laptop and some money
Change address of billing to the address where you're going to. And even if you don't know where on earth you're going to stay you can just travel there and handset them to change the address once you know where on earth you'll be staying.
Yep...the internet. i lived in Mexico for work for 3 years, and I continued paying and using my credit card beside an internet conection...i used the card to buy everything, and i had it set up to automatically filch 250 out of my bank statement every month, but i could go into the credit card commentary anytime, and pay as much as I required.
There are companies for that.

You email them your money by Paypal and they will take charge of your bills.

If you need more detailed FREE information around the services you need afterwards drop me a line.

Top 4 Answerer.
I lived overseas and have no problem continuing to pay my bills. Set up your bills so you can do it online. Unless logically you will be living in a 3rd world country near no internet access..




Could i lose my house if i didn't repay my credit card bills. but haven't claimed collapse?


Question:
i have roughly speaking 10,000.00 in debt but own not pated this bill. i can only afford to clear my morgage right now will they fashion me sale my house to retribution this bill?

Answer:
Credit Card debt is unsecured debt, meaning you hold given no collateral to repossess if you do not pay them. There is zilch that a credit card company has the right to come after.

However, your damp squib to pay the credit card is a breach of the contract you enjoy with them. They can sue for the stability, interest, and reasonable attorney's fees. If you do not answer the complaint against you, they win within court. They will have the competency to pursue any balances you own in the wall, and attach liens against any real property that you own.

I don't know what piece of the country your in, or what type of equity you enjoy in your home, but I would consider refinance or home equity loan to remuneration off the credit card.

Another selection is to contact the credit cards and offer a settlement. Depending on how historic due your balances are, they may lift as little as 30% of what you owe. The actual bank that issued you the credit won't hold the debt that long. They'll market it to a collection agency at a discount. After 90-120 days, that collection agency sells it at a discount to another, etc. etc.

Hope that help. Oh, one more piece of guidance. If you think you can stow from the bank or agencies, you can't. It engender take some time, but they will find an rationalization of yours and pull adjectives the money out of it without you knowing. Your home- it's already public story.
I'm not sure,but I guess so.Bill collecters can repossess just roughly speaking anything except your wedding ring.
No, they can't force you to vend your home to satisfy this debt. They can however place a lien on your home for the amount of the debt. When you shift to sell your home this lien will own to be satisfied up to that time you can sell it.
No, not contained by most cases. I've been through this myself. The worst that will probably transpire is a judgement against you, and possibly a lien being put on your home. If a lien is placed on your home, you would own to pay rear legs the debt in full any before, or upon selling your home. Yes, a lien is a desperate thing to hold on the deed of your house; you don't want one! In my state, liens finishing for 10 years before they expire, consequently they can be renewed. But the creditor can't make you trade your house, mainly because the mortgage company owns the debt on your house, and if it go up for auction, it might not even sell for ample money to pay both the remainder of your mortgage AND the outstanding credit set off, so both the mortgage company AND the creditor would lose out.
If you are going to file liquidation: Push for Chapter 7.

Find a Lawyer who can guarantee you Chapter 7 treatment.

Chapter 13 has adjectives the downside of Chapter 7 with NONE of the benefits a Fresh Start.

In Chapter 13 you will be a SLAVE to your creditors for years.

If you can't carry Chapter 7 treatment find another way out this situation!

With a Good Lawyer most empire who truly are in trouble can capture Chapter 7.


Oh and you can thank your Congressmen and Senators for being contained by Bed with the Banks and Credit Card Companies for this situation.

Credit Card Companies hold NOW Become LEGALIZED LOAN SHARKS!

Everyone should write your Congressmen and Senators to STOP THIS ABUSE and END this LEGALIZED LOAN SHARK Game! You will all be artificial by this at some point over your lifetime.

I have see several people shift through this game and I enjoy experienced some of this myself. Now articles are being written on it.

Your Credit Card Interest Rates should never Increase because you be 1 day slowly or ever a couple of hours late (In my case/ I wages through the internet) on your payment and this happen if you do it Only ONE TIME. Yet this is what the LEGALIZED LOAN SHARKS are doing!

They are even changing the time term between the day you receive your bill to the daylight its due. They are shortening it by 1 day per billing cycle. They are hoping that you don't realize the regulation and that you will be late on a settlement so they can Raise you up to the default interest rates and Steal your Money. This is what the Legalized LOAN SHARKS are doing!

All next to the blessing of the U.S. Congress!

Read This:
There's a new, completely legalized game they're playing, and it can literally wipe you out financially if you're not vigilant.


The Universal Default Clause


If you own a credit card, you know by now that if you're unsettled with a costs the credit card company will charge you a late duty in totting up to raising your interest rate. But did you know that they can angle your interest rate if you've made a late reimbursement on any of your other cards, including those issued by other companies?


Not only that, but your interest rates can skyrocket to 30 percent or more if you craft a late return on your car loan, mortgage, or even your phone bill!


"How can that be allowed?" you may ask. The answer is found in the fine print of your credit card agreement, and it's call a universal failure to pay clause. According to the Institute of Consumer Financial Education, currently almost 40 percent of credit card issuers apply this policy to their customers.


A Late Payment 'Trigger'


Generally, a universal failure to pay clause states that a creditor reserves the right to penalize you with an increased interest rate if you're slowly -- that is, contained by default -- of a pocket money to any other creditor. They justify this practice because, contained by theory, if you income any of your creditors late, you pose a greater credit risk and are smaller number likely to foot your debt.


Your creditors also have the right to routinely monitor your credit record. So a creditor with a general default clause will be watching -- and waiting.


Let's right to be heard your Visa card has a global default clause. Any belated payment -- whether it's on your utility bill, home equity loan, or Macy's credit card -- act as a "default trigger" allowing the guard that issued the Visa card to double or even triple your interest rate overnight. Your all-important credit score will be hurt as resourcefully.


According to a study by the nonprofit advocacy and education group Consumer Action, the top three failure to pay triggers that cause your interest rates to spike are a decline contained by credit score, paying your mortgage behind schedule, and paying your car loan unsettled.


Other Triggers to Worry About


Under the universal non-attendance clause, your interest rates can be increased for several other reasons, including exceeding your credit curb, bouncing a check, having too much debt, have too much credit, getting a new credit card, applying for a motor loan, and applying for a mortgage loan.


How does this affect your financial future? Take a look at the numbers. Let's vote you're an average American household, with $8,000 of credit card debt. Assuming you engender no additional purchases on your card, you hold a 9 percent interest rate, and you make the minimum monthly compensation, it'll take you 218 months (18 years) to take-home pay off your debt and you'll run out up paying $3,334 in interest.


Now let's assume that for anything reason you be late one month next to your car recompense. This late sum triggers the universal evasion clause with your credit card issuer, and immediately your penalty rate get increased to 24 percent (the average default rate surrounded by 2005). It'll now thieve you 679 months (56 years) to pay past its sell-by date your credit card debt, and get this -- you'll foot $30,813 in interest. Link to this full story: http://finance.yahoo.com/expert/article/...




This is adjectives true people WAKE UP and FIGHT BACK!
Not probable. Depends where you live. You probably enjoy homestead exemptions greater than $10,000 but this varies considerably from state to state.
I meditate they might be able to put a lean on your house for the amount that you owe them, so if you be ever to sell your house you would hold to pay bad the lean first. Then you can come and live with me.lol




Question in the order of compensation due date and paying by checks. Please see details?


Question:
When making a payment via checks, do the checks call for to reach the address by the due date or newly need to be sent by the due date? For example, if I own a payment due on the 2nd and I correspondence out a check on the 1st (regular mail, not express). Would it be considered behind schedule?

Answer:
yes. if they get the check even in the future late later you are late. and you are not unsettled by one day, but are considered unpunctually by 30 days. you should always correspondence the payment at smallest 5 days before the due date.
The check (payment) must manage the creditor by the due date.
It is to be paid by the due date .So to answer your quiz your payment would be unsettled .
Yes, it is considered late. I work at a mortgage company and attain this question everyday. It is not the time the payment is mail. It is the day the gift is RECEIVED. That's what the company really cares around. I would suggest mailing it no latter than 5 days before the due date depending on how far it's going.
Yes! If you are due on the 1st... the creditor have to receive it by that day or it is considered tardy




How difficult is it to own adjectives your student loans erased by going through a collapse?


Question:


Answer:
Sorry to say, but YOU WILL PAY your student loans. They will not and can not be wipe out in a liquidation. SORRY:(
It may depend on the loan, but I believe most student loans are not dischargable through bankruptcy.
It depends on what country you are surrounded by, and indeed, what state or province. I know it is not easy where on earth I live and that a bankruptcy can affect someone's credit rating for moderately a while. This could affect getting things like a mortgage, which event to you in a few years. You may want to consult a legal representative through a law society for a free consultation or if you hold any contacts with a financial planner own a talk beside them.
It's impossible, student loans can not be eliminated by bankrupcy.
student loans, alimony, child support. can NEVER be bankrupt.
hi
Hi. You need a debt nouns. There are many compnies offering this service for International custmors also. Check the record here. You will find the best one for you,
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Which is the best UK dune to use?


Question:
Please give reason.

Answer:
Nationwide. One good aim is that you can withdraw money from an ATM gadget for free while you are abroad.
state
dont know whats best but it defo aint hsbc, been near them for 2 years and are changing once i bring back my bank charges stern, over lb1000 owed out to me. yaaaaay!
None of them. They are all bloody crooks. Put it beneath the bed!
It depends what you are looking for from your bank.

I am next to HSBC and i have found them tremendously good, beacause their student accounts are flawless. they offer an interest free overdraft which go up for each year of study. I own never been charged by them when i hold accidnetally gone over my limit for a short spell of time. I know a lot of other bank charge straight away.
Natwest - you can get an answer direct from your branch presently if you have any problems!
ive be with the royal sandbank of scotland for 11 yrs now ..theyre great ..perfect service ..online banking .. 24hr phone bank ..would recommend them highly
NO ONE MENCING BARCLAYS!!
I prefer general coz they provide better service
It's not strictly a bank but I own to agree with others that Nationwide is person in charge and shoulders above the rest of them in expressions of cost, service, variety of business they operate...too various good points to schedule and I haven't found a bad point just about them yet.
I've of late joined Alliance and Leicester because they pay packet a good rate of interest on a current commentary so long as you average paying in 500 pounds monthly . I disappeared Halifax as they want 1000 monthly and I cant guarantee that amount now that i am retired .




How to return with a actual loan to wages sour payday loans?


Question:
These payday loans are causing us to not be capable of pay our everyday bills such as power, sea, rent, car clearance, etc. They are taking the fees/payment out of our checking account every week. We file for bankruptcy over 5 years ago. These payday loans preserve getting us further and further in debt. What can we do?

Answer:
Get professional credit counselling. They will form a plan that will work for you.
hi
get again another currency advance http://instacash.cjb.web to pay year
There is some useful warning here.




How can I come up near some extra money for the holidays and prompt?


Question:


Answer:
Sell your body. Just kidding. Pawn something you don't entail or want. Or go to GameStop or disc Trade Post to sell some DvD's and video games. I needed money for a trip and made an assured 70 bucks doing this.
Get a J-O-B!
get a career? if u already have one...after get another one, money doesn't purely fall from the sky ya know
babysitting, lawnmowing, necessarily any sort of neighborhood job would work. borrowing from kinfolk members who dont know that you'll never payment it back would work too =D
Why don't you try working. Seriously, anybody can earn money if they really want it.
Check out http://www.myfriendbenjamin.com/... They've get some good stuff.
Some things require pre-planning and have money for the holidays is one of them when you are looking at twenty-something days before Christmas. You really obligation to give yourself a break on what you can and cannot do. It is possible that some citizens who were hired for holiday serve are not working out so obtain your buns to the mall and ask if anyone still requirements help. You can work retail, nippy food, cleaning, or a variety of duties but gain out there for that errand before someone else does. If you hold things around the house you can try selling them... Ebay is a great medium. Why not hold out to wrap Christmas gifts for busy parents for a fee? Consider a babysitting business for the holidays to tender parents a break to shop or wrap or just cuddle beside spouses. There are many things you can do base on your hobbies and interests but mainly base on what people obligation in vocabulary of products and/or services. Don't wait any longer! The holidays are around the corner immediately so get going right immediately. If it's really a goal, you'll accomplish it near action so lift the first step... NOW.
work




how much money do you spend contained by cigarrets respectively year?


Question:


Answer:
$0.00. I don't smoke. I pity the people who spend $5,000 a year or more to suffocate themselves from emphysema.
Zero
I don't smoke, but when I did, I never once salaried for my cigarettes. I would either own them "donated" to me by my friends who were quitting, or friends would buy them for me (unasked!).
Ahhh, you get me... at least $5 x 6 x 52 = $1600.

That sucks.
I smoke roughly speaking a pack a day. It's typically roughly $4.00 per pack. Times 365 days. So about $1460 annually. Give or clutch a bit.
none :)
Let see I smoke a pack a day $3.50 x 365= $1,277...damnit thats money I could use for a leave
NONE I QUIT
I roll my own. $10= carton so about $200/year. Much cheaper than $40/carton.
Damn, I dint deliberate anyone would ask that question. I smoke in the order of a pack a day. The cost up here is going on for $3.75 a pack. So I guess I spend about $1400 to $1500 a year.
I spend for me and my husband $2300 per year




How Many 5 Dollar Bills Are Printed In One Year?


Question:
How Many 5 Dollar Bills Are Printed In One Year?

Answer:
First, some data:

"The Bureau of Engraving and Printing produces 35 million transcription a day next to a face appeal of approximately $635 million."

"45% of the notes printed are $1 summary."

This means that the bureau prints 12,775,000,000 record per year, of which 45% are 1$ notes.

I couldn't find the number, or percentage, of 5$ bills. But, I be able to find the lifespan of respectively bill.

$ 1 .. 22 months
$ 5 24 months
$ 10 18 months
$ 20 ... 25 months
$ 50 ... 55 months
$100 .. 60 months

I find it very surprising that the shortest lifespan is the 10 (shorter than the dollar bill!).

One other piece of information is adjectives:

"95% of the notes printed respectively year are used to replace notes already contained by circulation."

So, the remaining 55% of all report should be split among 5, 10, 20, 50, and 100. Since the 50 and 100 have roughly twice as long the lifespan of the other bills, I'm going to combine them into the same group. So, I'll divide the 55% equally into four groups.

13.75% x 12,775,000,000 = 1756562500

Or, approximately 1.75 billion

Hope this "vertebrae of the envelope" calculation help!




I am considering liquidation do I lose my house?


Question:
I just move into my unknown house 1 year ago. I lost my job, but I found a clean one. The pay is deeply less than my end job

Answer:
Anything to be exact secured with property is locked because all you obligation to do is inform the loan agency, car or house usually, that they will not be included. In other words, if you hold on to paying them, they have no incentive to reverse your loan. They can always rob back the property if you failure to pay.
Depends How Bad Everyy Thing Is?
i believe it depends on the state you live in and the corresponding law.
It depends on the state. Did you notice that adjectives the celebrities who are give or take a few to go skint quickly move to Florida and buy a house in that? That's because in Florida, you can keep hold of your house -- even if it's a million dollar home.
hi




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