Personal Finance Question and Answers

Where can I lolly my Social Security check if I don't hold a sandbank tale?


Question:


Answers:
Social Security does not issue checks anymore.
grocery store, walmart, etc; but, they may charge a "service fee" so I'd open a free tale somehwere if I were you.
Check contained by your phone book for check cashing. They will charge you a fee. It would be easier to expand a bank commentary and have direct deposit into your article. Also doesn't cost anything.
Banks will usually cash them, but will charge you a allowance. Why not just enrol the 21st Century and get a posterior account and enjoy it direct deposited?
post office you can undo an account within too.
At a bank
consent to me see...
Something doesn't sound right. You exploit like this is your first deposit check you've ever gotten. You should be at least 62 to be getting one. If you've lived this long and hold never cashed a check before, and own never been within a bank you are surrounded by trouble.
Is this some kind of fraud you're commiting?
Grocery stores, and check cashing places,but they charge a allowance. Also, check and see what bank the check is drawn bad of, because that bank have to cash it.

FYI to the above poster that assumed this character was 65, it may be a social financial guarantee DISABILITY check, which you can get at any age if you are disabled.


I stipulation financial assistance next to my debt.i enjoy a well brought-up credit but like mad of debt .i would approaching to ask is in that anycha


Question:
charitable institution that can help me?

Answers:
Hi,
I used "Credit Solution" to settle my debt .They manage to reduce my debt up to 58%.It's legal.I came accross this company on NBC News Special Edition.Check it out here:
http://simurl.com/nukzuz
You can draw from up to four competing offers from debt nouns companies to assist you at finfo.com. There's no obligation.

If you own multiple loans you can look into refinancing. Basically lump all of your loans/debts into one big loan beside one bank and you can unanimously receive a lower overall interest rate.

Good luck!
WARNING!

Please beware of providing your information to unknown sources over the internet. You should only do this if you know the receiver well and it be initiated by you.

A lender will never ask for this information over the web. If you go and get such a request from a trusted & known source by email, beckon them by phone to verify.

Phising and other internet based fraud is more & more adjectives.

Please contact your local bank of choice and switch on there.
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*I obligation to borrow $400 for a extent of 3 years. i enjoy a choice of borrowing from a dune?


Question:
I need to borrow $400 for a length of 3 years. i have a choice of borrowing from a dune?

which lends at 5 1/2 percent simple interest, or another dune which lends at 5 percent compounded quarterly, at what mound is it cheaper to borrow
how to solve this what is the solution?
this is just an example of my sisters assignment, not convincing, but i do hope you could help me beside the solution

Answers:
The first bank that lend at simple interest is the cheaper bank. They are charging you one flat rate for the year. When something is compounded quarterly, that manner they are adding the interest to the amount you are borrowing every three months, and you are paying interest on your interest. The second is more desirable if you are putting your money contained by a savings or compact disc account, but not for borrowing.

Hope this help.
400 is nothing. stir ahead and borrow it.
Get a credit card. I don't think a sandbank will loan you $400, it might have to be a larger amount. I would check on that first.
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K


I NEED ADVICE. Can somebody please aid me?


Question:
I owe $16,000 in credit card debt, but I can not start making payments until I'm done near college next month and find a commission. However, if I confess to my father what is going on, he might be able to comfort me pay stale the debt faster. Should I be honest with my father and agree to him help me money off the debt? Or should I verbs to keep it to myself and only pay it sour over time after I find a job?

PS - One of the creditors is taking me to court subsequent month!

Answers:
Tell your father. Explain your story. Then get him to sign a contract beside you where you agree to recompense him back plus interest contained by exchange for him helping pay your interest debt presently. He'll be impressed with your honesty, and your integrity - assuming you be paid the payments you're promising to make within the contract. You may get lucky and he'll amass that money and once you've paid sour his debt, he'll give you it adjectives back to back jump start your go in the right direction!
bring up to date your father it would be better..i would like to be in motion to court..
Contact your bank and apply for difficulty deferment on your payments.

PS - Looks like you're screwed anything happens!
You should probably lay it out to your father. You're means of access too young to own bad credit and yes it will unequivocally hurt you in the adjectives. Lay it out to him gently and breed sure you have a plan on how you're going to foot him back (installments of how much a month or week) That instrument he won't feel close to you were THAT irresponsible approaching spending another $16k =x Good luck!
well... you own to ask the same interview to your dignity. are you a man that is going to live up to your own foolishness or are you going to ask daddy to cart care of things for you.

you get yourself into this mess, you find a way out. be a man.
okay, you may not be alive to have to verbs about going to court once your father finds out. What the hell does a college student own to spend $16,000 on ? There's no guarantee he'll want to help you. He may speak "you got yourself surrounded by this mess, deal next to it"
Get a part time situation in the meantime and start paying your debts. Then when you look for a craft job, you are not forced to filch the first crappy job offered to silence your creditors.

Don't speak about your parents. You are a college grad now. You can switch this on your own.

Good luck!
I think you should reach a deal to your Father...
Good Luck
Here is what may happen if you try to reimburse off by yourself.
1. It may run several years to pay stale the debt.
2. Interest on your debt will be outrageously high.
3. Your credit rating may be lowered. This may fashion it diffilcult for you to get a post, an apartment, and a lower interest rate on home/auto mortage.
Honesty is best. My husband and I are trying to buy our first house and his past credit problems -- owing money on outdated credit card debt -- almost put a stop to our plans. It is truly best to take caution of this now while you still can. You may want to carry legal suggestion on the whole court issue -- you might be surprised as to what your rights are. Talk to your dad, describe him you messed up, but you need his comfort.
First of all confer to you father the worst answer to expect is a "No".do you have any friends or inherited that can help you.Have you tried to parley to customer service of this card.
and between now and the court date construct payment and enjoy a record /copy of the money to show in court as a proof that you are trying to settle it off.see an attorney,but first kind sure what is their charge per hour in party or by phone . put your resume` out on the websites for employers to estimation.
I would especially in your overnight case call Suzie Ormond and ask her for recommend, or find her web site and e-mail her.
I enjoy worked in collections for a decade. You necessitate to tell your Dad as soon as possible. Once the CC co. obtain judgment against you they will tack on even more interest to your go together, along with court costs and many fees. If someone is a co-signer on the card they can be garnished, enjoy a lien placed on their property and their credit rating ruined as well. Your credit will also be negatively artificial by legal commotion taken against you. All 3 major credit bureaus scan permissible sites and action, because it is sympathetic to public view. You inevitability to contact that credit card co. and see if they will be willing to settle the be a foil for. You may be able to obtain most of the interest and fees waved stale if you or your Dad can pay them a lump sum. Tell him. He didn't spend adjectives his time and money to send you to academy so you can file ruin on graduation day. Once you clear off the cards don't get hold of anymore. If you can't afford to pay change for something you don't need it!! Credit Card Co's do not perfectionism about you, me or anybody they cart advantage of relatives every day and are the biggest crooks out here next to lenders who push undependable rates on people.
=)..im going thru indistinguishable, only next to less money..
only dont forget that the more you delay, the difficult the interest rate=the more you pay..the more phonecalls.the more headache.

if you want to maintain your inference from your dad, get a assignment NOW!...

then phone your credit people and importune them to agree that you will pay at lowest possible 200 everytime the bill is due.

..you can also consider getting a bartending license.


300 bucks a night?.why not,?..
Take any backing you can get, and that includes chitchat to your father. A credit problem like a $16,000 collection will follow you around for a LONG time, and anything you can do to shutting it quickly (and by paying the debt contained by full) is something you should pursue. Yes, your father will likely be angry, but as a former financial professional I would STRONGLY recommend against trying to meet this on your own with no means...the credit card company is looking to make more money from you by approval you into a collections/high interest corner. Your father's help may oblige you stop them from doing that.
Hi,
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What to do when you owe money and you take a missive dictum the creditor will sue if expense isn't received?


Question:
A legal department has sent me a message regarding reason delinquency from a creditor. Obviously, I know I must pay it, but I don't enjoy the whole amount. Can I convey them a partial payment? And later make payments? If I christen them, do you think they will be inclined to negotiate a payment plan? Or will I necessitate to secure financing on my own from a edge or credit union and earnings in full? Help! I dont know what to do.

Answers:
I'm sure they will work near you if you are willing to receive payments. However, collection agencies buy these debts at a fraction of the priciple amount. You can probably negotiate it down. If you owe $4,000.00 offer them 40% of the amount if you foot all at once. Then run on to tell them that you won't rate a DIME until you get a communiqu¨¦ from them saying within writing that if you pay that 40% to settle the debt they will any remove the item from your credit report or report it as paid surrounded by full.
Call the original creditor and see if you can work out a payoff plan.
I would call and read out you are having financial problems but want to remuneration but are unable to compensate in full. What arrangements can be made? What can they do if they want their money? Offer payments and interest and later don't miss a payment if they adopt the payments. I have no impression how much or what you have signed so it is difficult to propose advice. If you can find your own financing, that would solve your problem. Be sure they aren't socking you with huge unpaid fees and interest due.
They'd rather enjoy your money than sue you, so they might be willing to clutch payments. But if you owe a large amount and want to a moment ago send them $20 or something, they probably won't - it would own to be a reasonable amount of what you owe.

You won't know until you telephone, so call them.

Good luck.


How heaps checks should I catch?


Question:
I'm ordering checks for some corporate accounts I of late started. One's for my real estate holdings, the other's for my stocks.

Considering that I'm youthful, and the bank tell me I have to transport money from these accounts via check, should I buy 300, or 2400?

2400 is a little cheaper per check, but it does cost substantially more.

I know, this is brand of a lame question. But I get hold of to be lame every so often.

Answers:
Don't command more than a 1 year supply. Your business needs will make over too quickly. Also, don't writ the checks from the bank. They will rip you bad. Get them printed from another company. You can do a G00GLE search and find a bunch of angelic deals on check printing.
300
2400...
It depends on how several checks you'll write every month and how long it will take the check printer to print contemporary checks. Writing 20 checks a month will take you 15 months to run out of the 300 checks but 10 years if you buy 2400.

2400 checks seem way too much unless you plan to write hundreds of checks respectively month.


Wachovia or Bank of America checking/savings justification?


Question:
I'm trying to decide which to stir with for a free essential checking/savings account. They both seem to be to have similar features. I plan to do the majority of my bank online. Which do you guys think and for what judgment?

Answers:
Bank of America has a the largest branch introduce yourself in the country, so if you are planning on moving around at adjectives and would need procure into a branch, you have that preference. I also like the My Portfolio pick in their online bank where they allow you to intermingle in adjectives of your accounts (i.e. Savings accounts, Investment accounts, Credit Cards) and track your spending and saving traditions. Their online billpay is also very dutiful.
i love bank of america i enjoy had wachovia within the past and for 1 their customer service is crap, 2 they would charge for stuff that they couldnt explain why i be charged. i havent had any problems out of BoA plus where on earth i live there are more edge of americas than wachovia..plus with edge of america u can do keep the transfer with ur checking picture and have the extra conversion deposited directly into ur savings where on earth as with wachovia u cant
BoA is trusted and ably know if you plan to let some wall hold your money BoA wont ever go away and they wont do you wrong .
I currently enjoy a savings vindication with over 500k contained by their and I get devout interest and its with a edge I can trust. If you want a good edge with solid features be in motion with BoA.
Wachovia have much better customer service. Bank of America has lots of "salespeople." I own had accounts next to both. I closed the BoA accounts, but I like Wachovia. I enjoy had no problems using their website, and the bill-pay works very well.
I only speak B of A because I am familiar near them. They require direct deposit for free checking. But they have more ATMs general than other banks. They enjoy good online bank. If you deposit money via ATM they automatically let you access the first $100 of that check. They're pretty cool.


Bank Refund for Credit to a closed vindication?


Question:
A merchant issued credit to a bank reason that is closed. They told me that I can continue for weeks until the payment is returned by the edge, or ask the bank to issue me a check. They advise that the bank keep the money in a suspense sketch for a certain time of year of time before they return it, but the wall says no. Does anyone enjoy any knowledge of this. PLEASE HELP!

Answers:
Everything is automated so the bank's computer will temporarily place the funds surrounded by a suspense account because it cannot deposit to a closed justification. The branch will be notified that at hand are funds in the suspense and will enjoy to clear it, (bring the suspense back to a zilch balance). Research may have to be done, but the bottom stripe is the bank will deposit to one of your embark on accounts or cut you a check and mail it out.

Make sure they enjoy your current address or your refund will be delayed again!

Good luck!
Ask the merchant for a check, I enjoy never heard of a ridge holding it in a seperate rationalization. But the merchant, with proof of the closed tale, shouldn't have a problem writing you a check.
I never hear of this..
They should return it to person statement that it belonged to are send it final and let merchant re issue it.


Big Dollar Bills?


Question:
I have some excessively hulking bills that are measured at 8" x 18". I received them from my grandmother's will when she passed away and all I know is that they hold been passed through the kith and kin for generations. Are these permitted tender? Will stores accept them?

Answers:
Your an ***...I a moment ago recieved some money that's been contained by our family for generation, and now I'm going to turn buy a candy bar beside it. Yay me!
Well maybe but i doubt it no body can really report
probably not but you should try researching them and try selling them on ebay. they might be worth more than face good point
Are these legal tender? NO
Will stores adopt them? NO
They probably have more worth to a dealer that sell coins and currency. Oversized bills like that be the norm at the end of the 19th - starting point of the 20th century.
What year are they? You'd be better off at a coin shop.
Who's picture is on them? They might be improvement bills. Take to a bank and ask them-don't try cashing them formerly you get them checked out-could landscape you in lock up
Not unless they are a coin collector shop. Our country has changed our currency heaps times over the years and most people/places won't accept what they don't spot.

You say these enjoy been passed down over GENERATIONS. Why are you asking give or take a few spending them? You should hold on to them.

Good luck!
dont even think of selling them to be precise from your grandma dont sell it and hold your family nutty at you
your cool


My grandpa have given me money several yrs in the past his departure, can the executor of his Will reclaim the money?


Question:


Answers:
If he give you back his death, it's should not be contained by a will anymore, nobody can take it subsidise .
was it surrounded by writing??
no.
no if you already had it contained by your possession it cannot be taken away, your grandpa made that decision on his own.
no because he give it to u before
No, unless the money be only to be held by you for his use and at hand is evidence to this fact. If it be a gift, the money is yours, length.
No, they are gifts and are yours to keep. There are particularly few exceptions. If someone is threatening this, I suggest calling their bluff and ask them to try to take the money. Don't spend your money on Laywer fees.

He gave you the money while he be alive is the key point
Nope, that would be classified as a endowment. And if the executor is giving you a hard route to go roughly speaking it, just verbs up your taxes from the year he gave you the money (which I hope you reported if it be a substantial sum), showing the funds listed as a payment.
The executor may be concern about the payment and estate taxes, If it has be longer than two years it is not considered part of the estate. A bequest is just that a bequest and can not be reclaimed.


Can you buy money directions beside credit cards?


Question:
If so, where? I know USPS just accepts currency or debit cards.

Answers:
No, because that would be considered a cash credit, not a purchase.

You'd have to steal the cash out of an ATM first, consequently buy the money order.
You must purchase money directives with bread...that is why they are considered guaranteed funds.
Yes. Walmart.
No, bread only. It's call a money order because it have been purchased beside actual money, not credit. The money is there to wager on it up, so the recipient know it's guaranteed.
Some places let you use DEBIT but it's up to the merchant. Most places require CASH.
I seriously doubt it.


I want more money inside a week, I will pay envelope it sour soon, and i own moral credit, and will merely inevitability for 1month


Question:
what should i do if i need funds for give or take a few a month NOT exceeding $3000 at a low int rate. ? any ideas?

Answers:
Try your local credit confederation.

Should have the best rate for you. They will set it up on a longer payback, but you can settle up it off untimely.
try a credit line or borrow from a friend/family


I basically file chapter 7 ruin. Do I verbs to clear the loans I aspiration to reaffirm or hang about until discharge?


Question:
My attorney just file my petition for chapter 7 bankruptcy and I am going to a talks of creditors in in the region of 4 weeks. Do I continue paying on the loans i desire to reaffirm and try to catch them up (I am currently 1 allowance behind on my saloon and i want to keep it) or do I hang around until the meeting of creditors and only just reaffirm? After reaffirmation will i have to ensnare up what i was bringing up the rear, or do they just tag on what i was at the back to the loan and allow me to make regular payments again?

Answers:
I go through a chapter 7 back contained by 2002. Things may be different very soon. But from what I did on my bankruptcy is I kept on paying my motor loans it was lone 250 a month. I know that when you file you are granted an "automatic stay" which channel that all your creditors may not contact you surrounded by anyway. They are to keep away from any harrassment and if they do you contact your attourney right away. I would probably contact him and ask what you should do. I did reaffirm my sports car all I have to do is give them the paperwork whom ever you nouns your car next to and they should make a copy. Other than that specifically pretty much it. Just make sure you contact someone surrounded by finance and consent to them know that you did a bankruptcy. Your attourney should automatically consent to all your lenders know just about it through your list of creditors near a letter. Well thats it. Good Luck
contact your loaners and your advocate and ask this question.
You attorney should have told you adjectives about this. Call him previously you do anything and ask him these questions-
I would pay it, it will give a hand your credit as well, if you are going to kep it.
Normally, when one go through bankruptcy, they discharge an attorney a flat fee for the filings and the court appearances. So this ask should be a freebie answer by your attorney - just transport them an e-mail for the answer.
Yes you want to keep paying on them...otherwise when you reaffirm you will be style behind and you will risk losing the items you need to keep.
You lurk and lesson and do just what the advocate tells you.
Good Luck


What does "do you own outstanding debt" technique?


Question:


Answers:
Do you owe on a closed loan, credit card...etc.

Outstanding means that it is an older debt that has gone to collection.
Do you own any debts? Credit card debt, a car loan, a mortgage - anything similar to that. ie Do you owe anyone money (I guess you could exclude the $10 you may owe your co-worker)
means alike as "do you owe any money"
Outstanding means not remunerated or still owing.
could be a credit card past due, edge loan, mortgage, car loan, ...any money you hold borrowed and not yet repaid.
Unpaid bills; Balances on Credit Cards, Unpaid Loans- etc...
do you owe money...yes or no...are you paying stale a car loan, home loan, credit card, etc...


PREPAID CREDIT CARDS! within OTTAWA?


Question:
HEY! =]] !! i turned 16 a couple of months ago and ive always looked-for acredit card just so i can shop online...you know the rough and ready stuff you usally dont see in stores around canada.
i live contained by ottawa and i was wondering if anyone know any pre paid credit cards that be easy to bring. even if your only 16.i could also return with one taht has to be signed buy an fully fledged but is not under thier signature...
i have hear about the much music credit card and i dont leik the nurture back on it..if u hold any good nurture back on it psyche be glad to hear it. also the My treat Vancity Visa which has no age ristriction but i cant find a branch contained by ottawa ...if anyone has a prepaid card and they know how to take one if ur 16 and knows alot roughly it...plz help..and psyche really liek to have your email if you know alot around it so i can figure this out.
THANK YOU
**MUAAAWWWH!**

Answers:
I dont know if here is are age limitations or not, but I can tell you nearly my own experiences with the prepaid master card. I get one for the same reason, to buy on ebay, and also to pay my bills beside out having to capture a bank article. It has be very convenient. And should be a great credit builder and erudition tool for a young soul such as your self. You can not spend too much by going over your limits, but you are still buying near plastic. There are no crazy outrageous interest rates pay, although you do money like $1.00 or $2.00 levy each time you use it. But the fees are approach less afterwards the interest rates of most cards. For online buying it proves to be the perfect solution, especially for those next to poor credit, such as myself.
www.greendot.com


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