What are some of the best money-saving tips you hold if truth be told put to use?
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Answers:
One thing is I free on electricty by pluging out things when not in use and keeping the boil down and the air up, this road its ot in use full force adjectives the time.
Second I changed my cell phone plan to lower min and got rid of things I don't use and save myself about 25-30 a month of late on that thing alone.
I consolidated my bills to one card to convey larger payments with a lower interst and I own spending money now instead of paying two or three and have no spending money and getting nowhere on the debt.
Good luck!!
The all time favorite of clipping coupons,especially sympathetic on double coupon day. looking for the best sale and trying to do all my shopping contained by that store so everything averages out.
Don't carry change, don't eat out. Don't craze shop.
A big turning point for us was the first time we sit down and wrote out a budget. We finally realized how much money we really get, how much we waste, and where on earth our opportunities for good were.
Now we enjoy money left over at the terminate of every month & feel confident sometime we'll retire in the luxury we deserve!
Another great road to stretch the budget... http://www.thecouponmom.com We save roughly speaking $40 on each grocery store call on by combining sales near double/triple coupons.
Do some comparison shopping for those things that you can. For example, last year I call around trying to find a cheaper rate for our garbage collection. Turns out I save almost half. (The ripened company then tried to game that rate - too late!). But you can do this for lots of things, such as your house or saloon insurance, interest rates on your credit cards, etc.
Pay yourself first.
Save all coins.
powerfully for household cost,I have found turning the hot sea tank temp down will free gas and water because family are not adding as much cold river to compensate for the excess heat.During the winter set frozen meat subsequent to a hot air register to defrost instead of using the microwave,I enjoy unfrozen 2 lbs of hamburger in an hour and a partially and it also doesn't precook it like a microwave does.To drain your electric bill avoid a peg needle meter(outside meter have a needle instead of rotory dials) and sort sure your big electric items don't kick at alike time or else it will spike your nozzle up and that is what you are charged even though you use smaller number.Have an electrician balance your fuse box so electricity is pulled evenly from both sides which also lowers your bill so your dryer and the heavens condition don't run the same time.
Cook at home fairly than eating out.
Shop at the cheaper groceries ( "Save-A-Lot" ) a bit than the larger groceries (at least for the most of my groceries) I have a feeling it is cheaper than the coupons.
No vacation
Drink wet rather than can beverages (or store bought water)
Write a budget. Until you KNOW how you are spending money, you will never actually stockpile money.
I disagree with lori s. Carry ONLY lolly. Studies show people spend smaller number when the use actual cash. Checks and credit/debit cards don't 'feel' approaching real money.
Hi rimorchione,
Here's a bunch of items:
BUY GOOD PRODUCTS - subscribe to Consumer Reports, which will give an account you what products to buy.
Buy store brand over name brand, across the world it's the same stuff.
Shop at Walmart, it's the cheapest place to shop.
Wash your clothes contained by cold water and do not dry them, so they ultimate longer.
Run or ride your bike instead of buying a gym pass.
Use eBay or garage sale for random items that can be have for far less than the stores.
Learn to fix your own sports car or bike.
Buy your electronics, magazines, etc adjectives oneline. Amazon is especially cheap.
How can you bring money hurriedly for an 11 year out-of-date?
Question:
I need money swift and iam 11
Answers:
I have a ten-year-old and we payment commissions to her when she finishes chores around the house. For instance, she gets $3 for cleaning her room, $2 for taking out the trash, $1 for clearing the dishes sour the table all week.
She also have done pet-sitting for a neighbor. He paid her $2 per light of day for 25 days. After the end of their trip, she have earned $50! Ask your relatives and friends for odd job and you can earn the money you want!
Clean you room?
Can someone please let somebody know me what lenders stingy when they ask for insurance for non collateral loans?
Question:
I have be asking questions and heaps of these lenders ask for insurance fees up front? Is this supposed to happen? I really obligation to know.
Answers:
You did NOT specify what kind of LOAN you are seeking from lenders...and no, I'm not a lender nor do I flog insurance, rather my perspective BS Finance and experience involving has involved getting many types of loans & insurances from mortgage to home equity loans, automobile loans, lines of credit, whole energy & term insurance, vigour insurance, umbrella liability insurance etc.
Basically you need to have a handle on that ANY FINANCIAL INSTITUTION or even individual(s) loaning money determines the interest rate and whether they will proceed based on the applicant's risk and knack to repay both the principal $$ dollars borrowed as well as accumulate interest.
COLLATERAL refers to something of $$value that is tied or associated directly to that loan or money i.e. being lent to you. Why bank or financial institutions care is bec if they cannot put their firm's given name on the legal document title file in the court house collectiung taxes etc, contained by the event you were to evasion on your loan and not pay for some explanation or other, they must prove to the courts that they have a financial interest surrounded by order to transport a collector or to repossess that particular asset. Also it also involves where on earth the stand in splash and their pecking order if you be to file collapse and who would be first, 2nd, 3rd and so forth in strip to whatever funds pr assets you might enjoy in your given name or in your wall accounts, etc
You did not say why you obligation to borrow the money but most lending sources on noncollateral loans repeatedly will attempt to get you to enjoy a cosignor, who would equally be responsible if you skipped town. I would imagine if you're a HIGH RISK that they would charge you a soaring interest rate that might be out of sight...but I agree resembling others that the fact they are claiming or relating you need to purchase insurance that it's in attendance way to entrap you into signing something stupid because yo might be desperate since legal financial institutions and lending sources never ask for fees up front unless it's for 3rd delegation appraisals since most lenders have on-line access to your credit history almost instanteously once you sign the required consent form.
Unfortunately, the Internet is overrun beside scam artists offering people loans. You should assume that anyone offering you a loan is a scam artist until proven otherwise. Remember that actual lenders never ask for an advance excise for insurance or any other reason. Any fees they require are added to the loan amount, you never pay packet for them upfront. If you pay an mortgage fee, they will whip your money and run. Never give personal information to someone who may be an identity pickpocket.
See this link roughly speaking scam artists:
http://www.ftc.gov/bcp/conline/pubs/tmar...
Maybe having a Insurance policy to cover the loan if you can't trade name it. If you had collateral, Like putting your house or your coup¨¦ on the line for a loan afterwards they could take your house or your sports car. it's so they get compensated.
Insurance for loans is a RIP OFF. You pay better rates than any other form of insurance and only the lender is protected. Tell them you refuse permission for the insurance. If they won't give you the loan minus insurance, they are running a scam. If the loan had collateral, they could legitimately require you to insure the collateral, but they can't force you to used their insurance provider.
Can anyone minister to me?
Question:
I need some tips on how to grasp quick bread. I have a purpose to get $255 between immediately and July 13. Does anyone have any tips on ways for me to acquire this amount of money within my deadline. Oh yea I'm not elderly enough to work but either please support me come up with some suitable ideas. PLEASE NO STUPID ANSWERS!
Answers:
Dont know where on earth you are but cutting grass and wash cars is always a honest way of generate some quick money. Even peculiar jobs resembling cleaning up outside. Just knock on someones door, tell them ur predicament and see what work they hold.
give me ur ridge acct no and da routing no.i will send money to ur report.
I agree with the first answer. Your aspiration breaks down to $8.50/day or about $60/wk. If you call on your neighbors and offer to mow their lawns or do other bizarre jobs they own, that is not an unreasonable amount to earn.
If I step down from a command position, can they exhaust my income?
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Yes they can...its in the paperwork you carry when you ae hired. Check it out and if you don't have it anymore you can find the human resources dept to get you another copy. They hold every right to take your settle down...sucks but its true.
Good Luck, maybe you can re-think the stepdown.is it that fruitless?!
Good Luck..may you find on the path- what you are looking for.
Yes
of course
Yes they can decrease your pay or they can freeze your wages.
Yes, because your not doing the opening to get manegerial money
You would be taking a post with smaller amount (or at least different) responsibilities. Your employer have every right to pay a different amount for a different livelihood.
not only that, they will go and get rid of you sooner or later, within general stepping down from a better position, is an early sign of possible next dismissing.
Beware, save ample to pay bills till you return with your next employment
How can I trademark my 401 K more fruitful?
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Answers:
Once a quarter or twice a year, evaluate your portfolio. Have you got your money going to different areas- such as 40%Growth, 20%Small co., 30% International and 10%Growth and Income?
Each quarter or semi annually, you check on your 401k. For example, when you check you find Growth is in a minute 50%, Small Co. is 30%, International is 10% and no change to G and I. Move percentage of Growth to build it equal 40%- 10%; and 10% Small Co. Combine these two and put it into International to bring its percentage back to the ingenious. This is one way to be capable of stay on top of your money.
Read books by Ric Edelman- that is to say where I get the above info.
Check your plan to see what investment options are available. Be aware that increased risk comes beside the chance for increased reward.
Allocate more per paycheck. Make sure you're getting the full contribution game from your employer, if available. But only put within what you can afford after you've paid your bills.
Check it out, appropriate the money and get a self directed IRA! invest surrounded by real estate and kind yourself a very big profit every year!
Tax Free Even !
Can you speak 30k-100k a year!
Matter of fact here is company that will abet you on it!
www. kjonesrealestateinvestment .com
Their advisors worked with my uncle and help a great deal!
Iam looking for a existing legit free fashion money at while at home.?
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Answers:
You can make money next to the Big Fish Games "My Game Space" program.
When someone buys a game after following a interconnect on your page, or after visiting a free page you set up on their server, you earn 25% of the purchase price. Plus the company remembers you referred them and you seize 25% of their future purchases, too.
There are no fees whatsoever. Basically you promote links to games, or the contact to the free page you set up. It's easy to track how tons people you've referred (and how much money you've made, once you start earning).
If you are trying to work from home or merely trying to make rather extra money check out this site below. Its got a roll of sites that are free to join free to earn. Also adjectives these sites pay out by checks and/or paypal (most reward out by checks). So if you want some real sites that arent scam just check it out. This site also have some tips on it to help you carry started if you need it. And these are plentifully better then gangster greed, you can engender a lot more money.
www.waterworld96.blogspot.com
Good luck
you could do surveys try http://www.treasuretrooper.com/263745... and http://www.surveysavvy.com?id=2912399... here my favorites.
Become an Avon Representative! $10 to start gives everything you obligation. You get 50% on adjectives Avon products and 20% on any products Avon sells from an outside merchant. It is easy and it is a reliable company. Been within business for 110 years. They have the lowest start-up tax I have ever found. Men and women market with great nouns.
Email me for more details.
CashLagoon is the best ive seen... they income out via paypal (under 24hrs!), visa gift cards, and checks. I've gotten $9 total to paypal (i prefer the payment cards), a $25 visa, and a $50 visa this past monday. they distribute out gift cards (im not sure just about sure, havent gotten one) within 4 days!
There are TONS of free offers/no CC required, in recent times do surveys, sign up for sites and take a survey or anything and earn $$$ (be sure to use a spam email LOL.)
good luck!
http://www.cashlagoon.com/?ref=6098...
There are some ways to generate money at home but it depends on what you woud like to do next to your time. You can sign up free at cash crate, inbox dollars, and transport earnings where on earth you can do daily surveys and free offer. If you like change crate you might want to sign up at gangster greed because it is very similar beside the offer clause. If you like RunEye.coms, sign up for MyLot. You seize paid to start and reply to discussions. Sites such as AdBux, PTC Bux, Link Grand and more, you draw from paid to look at ad. Cassandras Clicks is a nice all contained by one ad site if you are interested. There are plenty of ways to trade name free money online. It depends on what you are interested on doing with your free time. Reviews of adjectives the sites mentioned above and more are found on the site below. I hope this helps.
It's free, it's legit and you can do it at home. I guess I win the prize. I am a writer but I spend most of my time answering question here because I get rewarded to surf the net. No, really I'm serious. It's preposterous but true, there is a company that pays associates for just surfing the lattice, you don't have to buy, click on anything or flood out a survey. They simply collect money from companies like G00GLE and Yahoo and discharge it back to (you) it's member. Pretty cool, see what you think http://applearts.com/payday?in a minute...
Hope this helps, lug care.
p.s. - you can also do it away from home if you enjoy a laptop:)
Has anyone tried King of Kash surrounded by Kansas City?
Question:
I want to get a $800 loan but i'm apprehensive about getting a loan because of adjectives the horror stories i've heard. Anyone enjoy any info or advice in the order of getting personal loans?
Answers:
Personally I would never borrow money from something called "King of Kash"! That is the craziest entity I've ever heard of.
If this is a payday loan type place, stay away! Just work for a moment harder, do some odd job, and you'll have that $800 surrounded by no time.
Does anyone hold mature cell phones or ink cartridges?
Question:
I am going on a missions trip to Ecuador with my church and I entail to raise $1,500. I found a website that will compensate for old cell phones and ink cratridges. Do you (or anyone you know) own any of these that you'd like to donate to a righteous cause? The trip is talk about at itsaboutkids.org and if you hold any of these, please send me an e-mail. Thank you and God Bless.
Answers:
I've already donated mine to a charity
Sorry, I already donated my hoary cell phone to charity though a contact at work.
What is the best and easiest course possible to arrange a sports car clean up?
Question:
My friends and I are trying to help donate to a foundation call SCFSF, and I just asked a request for information abotu two minutes ago on what was a great method to make money quickly to do that. One person (thank you!) have the idea of making a saloon wash...so...relief!
Answers:
.
I found these wonderful instructions and tips at
http://www.fundraiserhelp.com/car-wash-f...
The only item I would add it to find a popular local merchant to donate adjectives or a portion of the items needed to run the wash operation, agreeing to memo their good creation at the wash. Win! Win!
---Getting Ready To Wash Cars---
Line up a location next to good crucial road frontage
Ensure it has suitable dampen access
Assemble supplies list – hoses, buckets, clear up towels, dry
towels, squeegees
Assign each volunteer an item from the supplies catalogue
Make 8-10 poster board signs in high-contrast colors
Arrange your volunteers within 2-hour shifts
Get advance publicity, sooner
--Car Washing Tips--
Organize your group into teams - Promotion, Sales, Wash, Dry
Promotion squad attracts new clients near signs
Sales team explains proposal (use flyer for quick info) and up-
sell clients with extra features or inferior offer
Wash troop soaps, scrubs, and rinses respectively car
Dry squad gets dampen residue off, vacuums, does tires, etc.
Use at most minuscule two lines and wash two or more cars at once
Wash cars for six to eight hours (Saturday 9:00 to 3:00
preferred)
Your fundraiser’s nouns will depend on the weather. If you can wash 12 cars an hour (one every 10 minutes within each line), you can well raise $600- $1000 within one day.
Remember to put together a sudden flyer that includes the reason why you’re raise funds and clearly states the price.
You can even offer some extra services for an auxiliary charge such as providing high-gloss tire treatment or vacuuming interiors.
--Car Wash Fundraiser - Success Tips--
Location, location, location!
Sell car rinse fundraiser tickets in credit
Use a flyer that clearly explaining why you're raising funds
List adjectives prices concisely in roomy, bold type
Up-sell to include additional services
Partner beside another group if your head count is low
Increase revenue near an extra offering such as a 2-for-1 pizza savings card or selling boxes of doughnuts.
--Free coupé wash--
Alternatively, you can advertise a free vehicle wash and a short time ago ask for donations for your cause. Often, this can bring to the fore more cash than stating a specific price, because those will see a group of volunteers working hard and have a good time, and may if truth be told donate more money than you would have charged.
--Final Advice--
Make sure to hang on to the event fun for all your participant and your customers. Play upbeat music. Provide soft drinks and snacks to keep the vim level up.
Keep safekeeping in mind when trying to attract customers. Be sure to gain volunteers to hold and wave signs toward endorsement traffic, not just volunteers to wipe up cars.
If you have time, increase your turnout by getting your coupé wash fundraiser some credit publicity coverage in the local rag, or by posting roadside signs a day or two ahead of time.
.
Best wishes,
pup
.
choose a morning time place make flyer's posters announcements anything and your good.
What is the best sturdy money lender contained by chicago il? what do I involve?
Question:
Answers:
What is hard money? Money is money.
Hello,
I am Mr Richie B, a reputable, Legitimate money Lender.
I loan money out to individuals surrounded by need of financial assistance.
Do you own a bad credit or you are within need of money to salary bills?
i want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to give you a loan.
Services Rendered include;
*Refinance
*Home Improvement
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans.
Please write back if interested.
Upon Response, you'll be mail a Loan application form to fill.
(No social guarantee and no credit check, 100% Guaranteed!)
I Look forward permitting me to be of service to you.
Sincerely,
Richie Banks
Managing Director,
eLoan Services.
banks_loanequity1@yahoo.com
Will You Retire When Youre FIFTYELEVEN Years Old..??
Question:
Answers:
Is FIFTYELEVEN equal to 61 or is it 550?
Hmm. this question belongs within the math section.
When I get "fifty eleven" I will be very exceptional, very unusual indeed.
no, im gonna retire when im 11dq years old.
61? sure but at the rate that everything contained by inflating it might have to be FIFTYFIFTEEN
Mortgage refinancing troubles, facing liquidation?
Question:
I have a first mortgage of 149,000$ Adjustable at 9%
I own a 2nd mortgage of 20,000$ fixed at 9%
The latest appraisal info on my house is an estimated 165,000.
What are my option? My first mortgage is currently 7.5% but it goes up to 9% contained by 1 month.. No one is willing to nouns me because of there is no equity to work next to.
Any help would be appreciated, currently I am NOT trailing on any payments and I can keep them up for a few months after the adjustable go up, but after that I will start falling behind.
appreciation
Answers:
that's a tough one...
first I would try to get another appraisal for at most minuscule what you owe from another company.
if that fails, buy in that are a few companies that will still give you a 103% loan to significance which is about where on earth your at once you include closing costs and existing liens... the rate will be high but at least possible it will keep you out of the adjustable nightmare... (7 to 9 is one and only the beginning...5-6% existence time cap...) so if you can seize out..do it.
third if you absolutely hold to you'll end up taking as much money as the mound will give you (normally 100% of your appraised val., again at an above majority rate) and paying the difference out of pocket.3-8k in your case)
the most desperate entity you could do which is highly NOT recommended for too frequent reasons to roll... is to short sell your house spinal column to the bank, call deed within lue of foreclosure, which is essentially giving the house to the bank and they put away the loan then you step away...the bank have to agree to this as well, but this will find really ugly.
Check near the current lender, they might be willing to convert to a fixed rate or even combine the two loans.
Unfortunately you are one of thousands that are contained by this trap 100% financed and the housing market crashed, and that crash is not over, prices are dropping big time, and interest rates are rising, expect to see your 9% hit 11-12 within the next year. Part time second livelihood? Other than that sorry to say do not see anything else you can do except liquidation
May be I Can Help You:
Just try:
http://www.proloanz.com/mortgage_refinan...
http://www.mortgagerefinancingatlowrate.
http://www.topamericanmortgage.com/debt-...
http://www.apply4less.com/mortgage_refin...
these website links will definetly help you surrounded by solving your mortgage refinancing problems.
Hi,
I used "LoanWeb" to refinance my home loan.I got the lowest rates surrounded by the nation (through my extensive search).It's legitimate.I come accross this company on NBC News Special Edition.Check it out here:
http://shurl.org/MyoFQ
WHEN SEtTLING MY DEBTS..SHOULD I TRY TO INDIVIDUALLY HANDLE EACH CREDITOR OR SEEK CREDIT COUNSELING?
Question:
im about 9k within unsecured debt with nearly 5 different creditors
Answers:
STAY AWAY FROM THE CREDIT COUNSELING! Non-profit - for profit - its all duplicate! The credit counseling will pay stale your accounts and close them with a blotch saying consumer credit counseling. I hold had lenders put in the picture me they look at it worse than bankruptcy.
Call the 5 creditors your self and negotiate. They'd a bit hear from you anyway. Let them know you are trying but need lower interest or a settlement on the reason (that will affect your credit but less next the credit counseling!). Try to start with the accounts contained by collection or highest interest. Be prepared to payment accounts completely not make payments. You may hold to save up some money to transport in a lump sum.
If you enjoy accounts in collection distribute a certified cease and desist notification so that it can stop the annoying phone calls until your geared up to pay.
Have restraint...like someone else said it will coach you responsibility with the cards. Don't quality like you should never use credit again - instead use what you are erudition to not end up within the hole : )
Best Wishes!
Seek credit counseling, but start with a non-profit cleaning rather than a for-profit company who will try to sort a small profit out of you.
Call the American Consumer Counseling Center - unlike a lot of those "debt solution" places, this is a non-profit and won't nick your money. They can help you numeral out how to consolidate your debts.
American Consumer Counseling Center
http://www.consumercredit.com/ or 1-8OO-769-3571
I think you should do both. You will stipulation to contact them individually anyway, even with a credit counselor. Look at several credit aid sites on the internet so you can see the tips and things to watch out for.
Do not discharge a counselor for help. You can receive the sustain you need free, preferably from a reputable mound, or credit union. The individual fee you inevitability to pay is the credit association membership.
I would communicate to each creditor individually. They may donate a lower interest rates, payment plans, or a settlement. It take a little longer, but it'll expected save you some money. Also, it will assist you to learn the lesson to never charge up credit debt again.
Hi,
My suggestion to you, coming from someone who worked at Discover Card for 5years. Is that you toy with them individually. If you seek counseling it's going to deface your credit like a Bankruptcy which most inhabitants don't know and they don;t tell that. They singular tell you they can take you a lower interest rate. But they shut down your account & put a impossible mark on it. It's better if you explain your circumstances to respectively creditor & see if they have a program to fit your requirements. Most of them do you just hold to ask...Some of them can boost your payments to the end of the loan.
Watch the typing within all Caps, it sounds as if you are yell.
You should deal near each creditor individually. Bring the accounts current, build a debt snow globe and get out of trouble.
Get out of debt, stay out of debt.
Get yourself round to Citizens Advice and gain some professional advice.
http://www.citizensadvice.org.uk/...
(edit: entry I suggested CAB and not 'professional' advice from shysters playing at loan experts )
As these things budge, unless loan sharks are involved, lb9,000 isn't a great deal...
Easy for me so right to be heard while I'm not the one who's **** is twitching everytime the phone goes, the postman arrive or there's a knock at the door.
But, regardless of the amount, it's how you are coping beside the stress of it all.
Banks will, as expected, be very recognition - while yanking the rug from beneath your feet and cancel your overdraft. Credit cards companies and more understanding and, depending on circumstances, some will consider freezing the interest - especially if it a choice between adjectives or nothing.
I could, but won't move about on in depth around the pros and cons of IVS vs Bankruptcy vs struggling to pay multiple debts, but I won't. People can't bequeath that advice minus knowing your circumstance.
how much do you have on one card? is it evenly pread over nine creditors, or in the main on one or two?
if the former- Credit Counseling Agency.
if The latter- negotiate with the two ample ones, and keep the rest current and within good standing.
Can I switch over to IRA at anytime?
Question:
I will be leaving my opening and the country. Also I am here from India on a work permit so not sure if I will be coming pay for. Though as per some feedback on this forum, it seems its better to rolloever my 401K to IRA. Will they do it though surrounded by Aug? Also is it possible to hold onto Etrade account anyone an international and out of the country?
thanks
Answers:
First the uncomplicated question:
your e-trade commentary is valid anywhere you have an Internet nouns.
For your 401k (BTW - I just go through this a year ago):
You would have to dosh out your 401K and then roll it over to an IRA in 14 days to avoid any penalties (I recommend a Roth IRA as you won't be tax on withdrawals contained by the future where on earth as with a regular IRA you are tax when you withdraw, especially if you are planning on living contained by India). Cashing it out and turning it into an IRA or Roth IRA is an easy process that your financial planner can do (a 401K and an IRA are different programs, so they can't only roll over from one into the other). This can be done at any time, but it does take some time to do.
If you resolve to cash out your 401K, you will compensate a penalty levy for early bill, plus the taxes owed on the amount. This might still be worthwhile to you if you can get a better rate of return or a better investment for your money contained by India.
Best of luck.
It's generally better to rollover to an IRA. This give more flexibility. You can leave it contained by the 401k for now and move it anytime you want. A 401k administrator must process your request contained by a "reasonable" timeframe. That might mean a couple of weeks, but usually no more than a month.
Don't know something like E-trade, but I assume no problem. In fact, person able to administer from Internet seem like the best scenario anyway if you will be out of the country.
In this skin it's probably better to roll it over to an IRA, so that you can keep contributing to it - you won't know how to contribute to the 401k once you leave that company.
But since you're not a citizen or ongoing resident, I'm not sure how the laws apply to you. You should probably collect with an accountant who specializes contained by international taxes to see how your specific situation will be affected.
You can probably retain your Etrade report no matter what your citizenship or residency, but you should check their "expressions of use" to be sure.