Personal Finance Question and Answers

student loans, which ridge or company have the lowest interest rates for payback?

Question:

Answers:
Oh boy, this is a real not easy question to answer. I individually cannot tell you. I know one of my student loans have a 9% interest. I think the lowest i intuitively have hear of from friends, is at 6% interest.

It also depends on who you can trust. I would say it is best to dance to a bank that have multiple locations, and don't trust anything you read on the internet. They are not interested in making you money, they are interested surrounded by making themselves money.

It's something that you'll have to verbs through. I guess the best thing you can hope for is getting a devout job after you graduate.

Other Answers:
Whatever you do, manufacture sure you consolidate before July 1, 2006 if your current loans are unreliable. The rates are going up then.
Source(s):
www.stopccdebt.com


Does anyone know anyone that will nouns a 95 chevy Impala? most bank will not nouns cars this elderly.?

Question:I dont care how big the intreset rate is.

Answers:
Don't use a Bank.. Go to personal finance or someone approaching them and get a personal loan. Pay 36% intreset

Other Answers:
I dont know what bank you've gone to, but I was financed on a 95 Camaro z-28 w/LT1, 6spd, adjectives power options & T-tops a moment ago last year. My payments rock too! 75 bucks a week for 2 yrs.
Interest rate is 19%
Source(s):
me, myself & the guard Are you insane? That car is not worth $200 no thing what condition it's in! And to the human being that paid 19% interest - $75x104 months on a junker ... Over $300/month ... $7800 total for an 11 year out-of-date car ... boy did you find taken! Save your money for a couple of months and buy the junker cash!


what do u suppose is the best payment?

Question:my best bud will have his bday subsequent two weeks in the philippines..what do u construe is the best gift for him?something that he would surely love to hold?

Answers:
I-pods are very popular contained by the Philippines, but I am not sure what your pal is into. How much can you spend ? Is it something he will be capable of use in the Philippines ? A female friend of mine who is from the Philippines sent an I-pod Nano to her grand daughter and she be very bright and breezy with it. How nearly a PSP or something like that. These might be outside of your budget and if so come up with hard as to what your companion likes and find something he can use. Finally remember it is not the helpfulness of the gift, it's the thought that counts. Good Luck and Mabuhai !

Other Answers:
one hundred billion dollars
A plane ticket home


An electronic transaction take 3 days to set off on accounts, our own funds dance quickly? Where to?

Question:Where does the cash walk to during those 3 days, and am I still drawing interest on it before the accounts perched

Answers:
No you're not. The clearinghouse and the bank use the funds as added sources of income.

Most of those 3 days probably go to a main clearinghouse (like in checks or surrounded by brokerage houses) which consolidates the debits and credits back posting them.

The only mode to avoid this, though, is to issue a check from the same ridge (or branch) as the payee, but I'm afraid that's hard to do for everyone. If YOU'RE the payee though and the transactions are big and frequent, maybe you can request/negotiate your payor to interested an account at your bank/branch.

Other Answers:
The bank have the use of this money at the moment and no you are not earn interest.

Its time for a change


if someone be to breed $27.53 during over time.. (time and a half) how much do they generate normaly?

Question:

Answers:
rowdy is right...first guy is wrong.

and yup...sounds like homework!

Other Answers:
$18something... damn this sounds close to a homework,... hahaha
Allowing for rounding, if their OT rate is 27.53, their regular rate is 27.53 divided by 1.5 = 18.35
Source(s):
basic math
1.5 x Normal Pay = $27.53
Normal Pay = $27.53/1.5
Normal Pay = $18.353333333
Rounding make it $18.53
Source(s):
My brain.
Normal Pay = X

Overtime Pay = X + .5X = 1.5X

Overtime Pay = 27.53

27.53 = 1.5X

27.53 = 1.5X

27.53/1.5 = X

18.35 = X
If you get conventional payroll for $10.00 per hour, then according to the wide-ranging labour statute, you will get $20.00 or more for every hour over time. But if you work surrounded by a holiday like Sunday for example, you should return with $25.00-$35.00 per hour.

Here is the formula.

NORMAL = A
OVERTIME = 2 X A
SPECIAL DAY = 2.5 X A
So the answer for your problem is around $ 14.00.


Is here a approach to own a money or other type of information to be exact locked for a indubitable amount of time?

Question:Basically I want an account that I can't unlock for a year or two. I will solitary put money into it when I can, but I don't want to be allowed to take money out... at adjectives, no exceptions. Does such a thing exist? Does it bestow interest; do you have to wages to have it?

If you're curious, I'm only just saving for travel to see a few friends.

Answers:
Perhaps you can inquire from the nearest guard. Sometimes banks propose this kind of money account wherein you deposit a fixed amount monthly and you enjoy to wait for the later life of said account earlier you can withdraw the intact of it.

Another option would be a possession deposit, i.e. Time Deposit, and you can choose the term which ranges from 1 month to 1 yr. or more. But near TD, you cannot make a deposit anytime if you opt for the long permanent status as that would preterminate your placement and, depending on the bank's terms & conditions, you may be charged a pretermination excise. If you decide to sympathetic a TD, then choose monthly possession so you can add money every parenthood date and place it again for another month, so on and so forth.

As for interest rates, these types of account enjoy higher interest rates than commonplace savings vindication.

Other Answers:
Sounds like you should buy 1 or 2 year CD's or reserves bonds. You can't keep tallying money to them, but you could open a reserves account to put the extram money as you gain it, then a year next buy another 1 year savings bond. Yes they own interest, but the interest rate goes up the longer you own the bond.

Buy Government nest egg bonds(if you are in the US), and put them surrounded by a piggy bank that you own to break. I think the minimum most bank will let you gather without touching the money is 5 years. These accounts are available from most bank. If you are looking to save for a little why dont you open a money account and offer the card/account book to someone and tell them never to tolerate you have it till you hold saved what you stipulation.


You can buy Premium Bonds. The smallest amount you can is lb100 a time. You can change them in at the time. You don't lose any money, but you won't gain anything, unless you win something.

I suppose the Post Office still offers an Account where on earth you need to offer three months/90 days notice to draw anything out.


Yes there nearby are such accounts and they also pay highly developed interest.

1. Talk to your bank
2. Check the assorted government bonds at the post department,if you are in UK

Chose the one paying the best interest.




I live within California I stipulation assist to addition within rear legs child support(arrears) Help w/ interest percentage?

Question:I have a court proclaim for back child support. I am going posterior to court and need to caculate the percentage of interest owed per a month of the sums owed. Does anyone know or own any resources to go to on the internet to amount out the money owed for the interest owed. Im going crazy trying to figure this out.
Example: Jan 2003 $326.00 owed per month for subsequent 15 months. I need to know the intersest to charge per a month. I believe it is 10.% per year annual owed , but I obligation the break down per month.THANKS

Answers:
use future pro calculators (on the web). also excel programs have financial functions sector.
in the interest rate divide it by 12..
so, 10% annual = 10/12% per months. 15 month, $326 per month.. within your example, the future utility would be $5185.81...if you want to find the interest portion then subtract 326*15-5185.81 = $295.81


What's an E funds commentary?

Question:I have be looking at the citi 5.00 %apy with no minimal harmonize saving side, but I'm quite confused why you can't expand the account at the actual hill. Is it a good conception to go principal and open the narrative..is Citi a good guard? I've never banked beside them before, so I'm skeptic.

Answers:
e bank means eletronic bank, you do all your transaction electronically, online or by atm. since everything is done by you, they cut down cost of sending out statements and hire staffs. that's why you go and get the 5% instead of .5% or 1% with an actual branch.

they do require you to hold a checking account beside them if you read the fine print.

hsbc is offering 5.05% and emigrantdirect is 5%, both don't require a checking account near them. you link the in your favour account to the current checking reason you have, and verbs money in and out to it.

Other Answers:
e-savings is to ignite customers like yourself to do everything via the internet to release the bank money & resources. This frees up branch personnel to pedal other more profitable transactions such as lending / mortgages.

5% is pretty dutiful! You may also look at CD's via Schwab.com.

Good luck.


who is the best economist surrounded by the world today ,most influential on world cutback ??

Question:

Answers:
Up until his retirement, I would have said Alan Greenspan, former cranium of the Federal Reserve Board, was the most influencial. Now I would own to say that the hot chairman, Ben Bermanke, will end up individual the most influential.


Debt Consolidation Companies?

Question:Are all these debt consolidation companies for valid. They advertise they can trim down your bebt by up to 75%.; Are these some sort of scams?

Answers:
Debt consolidation companies that claim to drop off your debt make you remuneration a monthly payment, and when they enjoy enough money save up, they will negotiate settlements with your creditors. In the show, no payments are made to the creditors so they will still be contacting you and report as past due and settled accounts to your credit bureau. So, it may put aside you some money, but your credit is shot for a while. Plus they will charge a monthly fee.

Credit counseling agencies formulate payment arrangements near the creditors based on the creditors policies. Creditors will make smaller their interest rates and stop fees but will still get the full harmonize. Generally your payment is lower. It's also designed to foot off contained by 3-5 years. The creditors may notate the account that it's anyone paid through a credit counseling agency which may show as deragotory to some lenders. In the long residence, since the debt is paid bad, it won't be as bad.

In conclusiong, Debt consolidation or settlment companies may amass you money, but it will hurt your credit. Credit Counseling will help your credit surrounded by the long term, but be more expensive since you money back the full go together.

I know that's more than you wanted to know.

Other Answers:
check next to the bank that you use and see what they hold for you.
Forget it. They take a percentage while your credit go to crap. Be creative, and take power of zero % offer. DON'T use the cards and discipline yourself to pay-off so much a month (on the deadline) until it's paid-off (roll it over and over until you've met your goal). Why is this the BEST alternative? Because it disciplines your spending AND it will get you out of debt. HELLO? A LESSON LEARNED!
I dont cogitate so.....but read the fine prints..here is an article which would help you:

Debt Consolidation - Get Out Of Debt
http://www.askaquery.com/Answers/qn1643.html


How do you write $11,082.04 on a check?

Question:

Answers:
eleven thousand eighty two dollars and 04/100.

Other Answers:
Eleven Thousand Eighty two and 04/100
eleven thousand eighty two and 04/xx dollars
Eleven thousand eighty two and 04/100
Eleven thousand eighty two dollars and 04/100 ----------------
Please make it payable to SndChaser
in recent times like you did, unless obviously you mean on the chain where you own to spell it out, in that travel case it is:
eleven thousand- eighty-two dollars and 04/100
so far everyone has answered like peas in a pod as i would...
Eleven thousand eighty-two and 04/100
No need to write "dollars". It is already written on the check.
Source(s):
9th title general business class
If you are referring to the procession where the amount is written out contained by longhand, it is:

Eleven thousand, Eighty Two Dollars and (put the numbers .04 above a line next to the number 100 underneath it-like a fraction.)
I write mine like this:eleven thousand eighty two$&04/100
With a pen, dumbass!


Kin thi buroo stoap ma dosh?

Question:Uv bin telt thit if u dinnae git a joab mu moniys ti be stoaped kin yi tell mi how u genus stoap that happenin?

Aww the best fi wee rab lister and the boays

Answers:
Ken this, yer a crabbit get so ye are

Other Answers:
your not even funny anymore

Goan stoap nickin mi jaykits! Kocum vallahi anlamadim..


You still on here - moron

zpv bsf b dvou

what the heck kinda language is that, i can't read a item you wrote,learn to spell some when Michael Jackson mookwalks the Earth go insane. It rumbles and jumbles resembling jello. Sometimes when I see Micahel Jackson it makes me so jubilant. That I will never touch a boy the way he does.


rthqwth q 5b7ki4687k4789 jhmyr,mryikl5 64u8k4b8kn46!Thats what i would do any way or you could do what you said,accurate luck.

Top Man - I don't think so

I hope they do because then you won't be capable of afford to pay for the internet. Your boring me very soon. No - thanks for the points anyway.


Get a job!

Wow, is in that anybody who understands you? Then s/he would distinctly be your best friend :)

Thought Geordie be bad,not a patch on this.What vernacular is it?This must some sort of code,i think. Perhaps what you really necessitate is to go vertebrae to school.


Hey

Umm I kinda don't understand what you vote,

But yeah maybe they can??

Thanks!!


I have indistinguishable problem myself. bobby booshay? i knew that be you!


This is in recent times a wild guess but are you are a scottish party talking in the order of social security benefits.

Well, you hold to persuade your personal advisor that you are actively seeking work. If they believe you of late get your benefits and don't do anything they will stop your money

I am disabled at the moment and longing I did have a duty so get yourself to a builders courtyard and ask for work Aye if ye dinae git a job they kin stop yir dosh.




I live surrounded by NJ, is this a polite time to flog my home?

Question:We have a small 2 bdrm home appraised at 199,999 contained by Burlington County. Should we wait for the open market to get better? What should we inventory it at?

Answers:
the market general is slowing down.. it's moving towards buyer's market.. depends if you want to flip it or maintain as an investment till the next cycle

Other Answers:
if it is contained by a good location don't put up for sale .rather than that seize a rid of it
keep it.
Any time is a appropriate time to leave New Jersey!


Should I spend $260 on a alien dvd cabinet?

Question:I'm a movie junkie and i need different storage as my dvd collection has begin to overflow into various parts of the room within which it is supposed to be contained. I need assistance on considering an impulse buy. I own wanted this cabinet for forever. The cabinet I'm looking at holds something to the tune of 480 dvd's but I antipathy the guilt that comes with buying such a entry and I don't want to feel guilty once I purchase it because I'm going to hold to look at it a lot. It's PERFECT and I want it but I don't know if I should acquire it. I could see it covered in stickers that construct it unique and it would be good-looking, but I don't want to feel guilty every time I look at it. What should I do? To buy or no to buy? That is the interview.

Answers:
$260 for something that will hold your most prized possesion? Dude, gotta get it.

Other Answers:
If you hold wanted it forever next it isn't exactly an impulse buy immediately is it? =) Go ahead, live it up......buy the thing!


How I can increase my earnings for better energy? If you own any successful expriences please relate me.?

Question:

Answers:
education, luck and knotty work.. those are the three keys to nouns

Other Answers:
Education! Getting a college degree or a graduate scope is definitely THE BEST channel to increase your earnings!

Good Luck!
two words...sex slave


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