What should I do next to 500 bucks?
Question:
Answers:
Save it and grow it, but its really not enough to originate some major investment push. Either buy a hill cd or possibly open an description with a devout mutual fund - some will accept $500.
retribution off some of your debt.
Buy yourself, something first. Then repay off a bill or some bills.
Take a friend on a date. Nice dinnertime, steak and seafood. Bottle of wine. Good cigar. Have a blast and share it with someone.
We really inevitability more information
If you have credit card debt, put it towards your credit cards.
If you hare credit card debt free, put it towards your emergency fund
If you own a fully funded emergency fund, put it in Roth IRA
buse 30 for music
$70 on shoes
And rescue the rest increase your interest in the edge
...and help 2 payment bills
depends on age and priorities...im just a teen
Why not donate module if not adjectives of it to the Salvation Army, they do great work.
The fact that you are asking that interrogate suggests you do not have financial desires, or do not know you have. So please convey me the 500 bucks while you are figuring out your best answer.
you should contribute it to me so I can pay my rent ;-)
How do I dig up a personal loan, next to impossible credit & not owning a home?
Question:
I want to consolidate all of my deibt, & steal care of some hugely bad debit, but I don't own a home & I don't know, how to shift about getting a loan. I would love some counsel.
Answers:
There are plenty of places that offer loans for those with fruitless credit with no-hassle applications and unproblematic requirements.
Some of these lenders even offer 1 minute approvals, and enjoy both secured and unsecured loans, depending on your need and situation. Check the page nominated below, it has information and doomed to failure credit lenders listed rotten and on.
http://www.axalda.info/bad-credit-loans.
It is going to be tough.
Try: www.prosper.com
In simple english, you don't. No one is going to loan you money to pay bad your previous bad debts..because you'll freshly have clean bad debts.
Watch out for the spammer below, I am sure within is no answere there. To take a loan you will have see a loan shark, ouch, or put up some entity of value to support the loan.
I'm going to tell you the easiest article to do that will get you out of debt in need even getting a loan and without hurting your credit rack up.
Contact InCharge Debt Solutions: www.incharge.org
They are a credit counseling company and they will take adjectives of your bills and lump them in to one contribution each month. They also work beside all of your creditors to carry your interest rate dropped. Then you pay InCharge once a month and they distribute adjectives of your payments on time for you and you individual pay one soul, thus making more time for you to work.
They do ask for a $40 donation per month, but it's voluntary and not required. Give them a call, they help me once.
Also, they got my interest rates on my cards dropped from resembling 19.9% to around 6-8% which helped me closely.
i'm not sure, but i think this site have the answer to this particular grill. they've got lots of stuff in the region of this anyway.
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How long should a being hold mound statements or utility expense library or income duty returns?
Question:
We are trying to clean out a storage facility and throw away as much as possible. I don't want to throw away something that would be esteemed but i'm ready to really purge these files.
Answers:
7 years! My father surrounded by alw is a CPA and he waits 7 years to throw anything out. Although merely major things approaching tax and mortgage should be kept that long, smaller things close to gas and electric and cel phone can be thrown out after 3 years if yopu really want to purge.
5yrs
It's safe to pitch archives after 7 years. Shred!
I keep mine for 2 years .
Seven years. It's duplicate for the buisness I work for, We keep everything up to seven years matured.
i was other told a year
income tax documentation = 7 years. i never keep utility statements after i own confirmed they recieved my payment and for the mound statements i would say 7 years also.
I across the world keep things 10 years. Having antediluvian records really come in handy once, a utility company lost a imperative suit and I was owed money as fragment of a class action suit. Because I have records, I recieved $250.
Here is what IRS say re keeping records.
Note: Keep copies of your file tax returns. They comfort in preparing adjectives tax returns and making computations if you folder an amended return.
You owe additional excise and situations (2), (3), and (4), below, do not apply to you; keep store for 3 years.
You do not report income that you should report, and it is more than 25% of the gross income shown on your return; keep archives for 6 years.
You file a fraudulent return; save records indefinitely.
You do not directory a return; keep accounts indefinitely.
You file a claim for credit or refund* after you directory your return; keep documentation for 3 years from the date you filed your innovative return or 2 years from the date you paid the duty, whichever is later.
You profile a claim for a loss from worthless securities or bad debt speculation; keep files for 7 years.
Keep all employment tariff records for at most minuscule 4 years after the date that the tax become due or is paid, whichever is following.
The following questions should be applied to respectively record as you resolve whether to keep a document or throw it away.
Are the documents connected to assets?
Keep records relating to property until the length of limitations expires for the year in which you dispose of the property contained by a taxable disposition. You must keep these collection to figure any depreciation, amortization, or depletion estimate and to figure the gain or loss when you put on the market or otherwise dispose of the property.
Generally, if you received property in a nontaxable exchange, your font in that property is like peas in a pod as the bases of the property you give up, increased by any money you paid. You must save the records on the behind the times property, as well as on the trial property, until the period of limitations expires for the year surrounded by which you dispose of the new property surrounded by a taxable disposition.
What should I do with my accounts for nontax purposes?
When your records are no longer needed for tariff purposes, do not discard them until you check to see if you have to maintain them longer for other purposes. For example, your insurance company or creditors may require you to keep them longer than the IRS does.
3 yrs is the rule of thumb for income taxes.
1-3 yrs is the rule for everything else.
10 years would be best as that's the max length of time things stay on your credit report
Many individuals go between 2-7 years, but I'd suggest that you digitize your information, and ditch the paperwork after 5 years.
Best of luck!
Ipersonally preserve bank history in my computer because I do on file banking. If you dont enjoy a computer, you may want to keep your archives for 12 months, but if you needed a copy of a certain month the dune will give you one for a small charge. Utilities I discard when I receive the new bill. Income Tax rule of thumb is 7 years.
All guard slips from ATM, all bills contribution papers 1 year, Income tax return after 5 years, but I preserve them regardless just within case something happen in 10 , 15 , or who know how many years down the road could put me right contained by the courts. Same with sandbank statements. That is entirely up to you.
keep them for at tiniest ten years.because someone will find a way to kind you pay twice after their collection were mismanaged or destroyed.
Depending on if you report indviual or business. Unless, you file a business or scheluded C , utilities aren't of any use.Anyway,your export tax preparer should make copies of everything you bring them, so the lone thing you should enjoy to keek is your return. It is 5 yrs that the IRS can come back on request these things; unless within something illegal reported they can travel back 10 yrs. If your not a business owner the solitary thing you'd necessitate to save is mortgage interest & taxes(1098, I believe)reciects for daycare, property taxes such as vechile, boats, etc, unreinbursed eployee expenses you don't enjoy to have proof of donations if lese than $500, and a reciept if more,also your tithes. It shouldn't be to much to hold in a manilla envelope w/ ur return explicit w/ the tax year. I don't know if you hold college age children, but make sure you bring the Hopelife credit, you may only bring it one time in the first 2 yrs of enrol for college. I'm a tax preparer, so I could write much more. But, If you relay me a little more, similar to business or straight 1040 or both. Feel free to email me and I 'll try help more. apdavidsonpmc@yahoo.com
TKS<Amanda...
Do the parents credit card bills and debt finale up on the shoulders of the kids once they die?
Question:
My dad is a very insensitive person and single cares for his foreign brother, whom he sends seriously of money to. He spends alot from his cards, so once he dies, will the children have to retribution them off? He say, they will just disappear but i don't believe it.
Answers:
No his debts will be transferred to his estate. If in attendance is any value near his debts must be paid. Otherwise the credit card companies will only have to write sour his debt. If there is a house they could attach a lean to that.
You are not responsible for his debts but his wife is.
The companies can generate an application for payment through the estate, if, however, nearby is no estate, I would tell the interested party to make a submission to the lifeless. It would, however, change if you stood guarantor for your father debts
Sort of...the debts become the responsibility of his estate. So if you are the beneficiary of his will or his life insurance it become your responsibility becaue that is piece of his estate. Beyond that you may want to check with an estate attorney because I enjoy a hard time believing they would purely disapear even if his estate couldn't pay. Obviously anything i.e. secured (ie house, car) if the estate couldn't pay and you required to keep them you would enjoy to continue to money ortherwise the bank can repo.
it is transfered to the estate...surrounded by other words upon death, money is owed, so assets will own to be sold to pay for the bills
How outdated do you hold to be to purchase a home surrounded by the state of texas? and how can i build my credit from nil
Question:
im sixteen, and wanting to move out in for a while less than a year when i turn 17, im fully aware this is going to be difficult, but nonetheless, im going to try. My friend already offered to go and get things like a motor and stuff in her heading , but i want everything of my own. And i dont want it to be my fault if i mess up her credit. I hold alot to do in a year.. im interviewing for job right now, and good every pennyfor the next year. I call for a car, and a place to live.. i will hold one and then eventually one other roomate so that will assistance. but were buying the house.. so we requirement insurance and all the bills that walk with that.. and money is basically going to be really tight. how can i budget it, and am i on the right track as far as getting started? also, i CAN NOT mess up my credit, i have see what that has done to my mom. HELP! im so disturbed about everything.
Answers:
You enjoy to be 18 in Texas up to that time you can legally enter into a contract.
As far as trying to establish credit, best bearing to start would be to get gas credit cards (ex: Shell, Exxon, etc.). Charge gas or items surrounded by the store, and pay it past its sell-by date each month. This will establish a devout payment history, establish credit, etc. Then after you own had one or two of those cards for at least possible 6 months to a year, try to get a right low interest rate credit card with no annual duty.
Same thing, charge a few things here and within, and pay the symmetry each month. Make sure you check your credit ranking at least once a year.
You are allowed 1 free credit report per year per federal ruling now (http://www.ftc.gov/bcp/conline/pubs/cred... and can shift to the site: http://www.annualcreditreport.com/... to get it.
The better your credit gain, the lower your interest rate on a home will be. You probably need your gain to be at least 720.
Also to avoid PMI on a home, you would involve to have 20% of the cost of the home save up to put down on the home (ex: $100,000 house, need $20,000 to income up front).
A good book for you to carry that helps infantile people start out figure out saving for retirement, building credit, buying a home, etc is:
The Money Book for the Young, Fabulous and Broke
by
Suze Orman
Best of luck!
You must be 18 and otherwise qualify.
Some bank will allow a cosigner if you are not 18.
apply for a credit card with your wall -- use it wisely and endorse off adjectives i repeat pay rotten all charges monthly going away a zero harmonize. as with most states you hold to be 18 to own real property.
Can I set 2 direct deposits from my 2 different job on alike checking portrayal?
Question:
Answers:
yes
yes
No reason why not.
yeah, as long as respectively employer offers it and have the right info (acct #, routing number)
Heck yes! I have my retirement check from work, rent checks from property I own adjectives headed into matching account. The bank really don't care in the region of you unless your not paying them something you owe them!
Yes
If you lose yout paycheck(as within misplaced it forever) can you ask for another check?
Question:
What is the best way of going something like dealing with this.
Answers:
Yes, you can ask for another check.
I worked contained by payroll a while back and this seem to be commonplace for some people. As long as the check isn't cashed, you should own no problem replacing it. If it is cashed, then they entail to investigate what happened which could transport longer.
If it's been a long time, the money may hold been remitted to the senate (this is called an escheatment). Even surrounded by that case, the money is yours so you will be capable of collect, but your employer will have to direct you to who you want to speak to.
In any case, phone up your employer and ask to have the check replaced. You worked easier said than done for your money (or maybe you didn't) and you should be entitled to it.
Good luck
contact the general public that give you a check and report them you lost it... they should know what to do.
Talk to your boss. Alot of times they can void it if it hasn't be cashed yet and distribute you a new one!
Yup. run to payroll and tell them they will cancell that check and issue a brand new one.
Let your workplace know and they will issue another check and void the first one. They may charge you a withdrawal fee to cover it or you may hold to wait until the subsequent pay time but most places are good roughly it...
Yes. Your company will put a stop payment on the first check and after issue another one. You should not make a craving of this as it might lower your job rating and affect promotions.
Go to your HR dept or your boss, the soul that issues the cheques and they can issue another one but they will need to put a stop costs on the first cheque to make sure not a soul else can cash it.
They won't be comfortable because to put a stop payment on a cheque they hold to pay a payment but they will do it.
Yes, report it lost immediately.
They (your employer or contractor) may enjoy a time of where they must dally OR they can cancel the check, and reissue a unknown one as soon as you report it.
Don't be surprised if they recommend Direct Deposit.
Yes, but they first have to rescind the one you lost through the bank, next issue you another one. There is a bank duty involved as well. Plus it's a royal niggle in the butt for the book guardian. Buy the book keeper lunch to spawn up for your carelessness.
Talk to the payroll person/department.
Like any check they can stop pay-out on it and issue you another. Of course, this costs money, so smile coyly when they charge you $25 for this service and imply some smooth of mental deficiency on your portion.
And speaking of mental deficiency, greeting to the 1980's, GET DIRECT DEPOSIT! Managing a checking account is a obligatory skill for all posture of homo sapiens. Direct deposit keeps that details full of cash.
You may request another because your employer wishes to know that there is a check out that will create a problem. When you lose your paycheck you are responsible for letting the paymaster know so another one can be issued and the lost one investigated and a stop pay issued for it.
Overpaying on electricity?
Question:
Im pretty sure im overpaying on my electricity bill, its costing me about lb900 a year.
So anyone know if this could be any cheaper? Living surrounded by 2 bedroom flat by the way.
Answers:
There are lots of sites on stripe to do a comparison...just put surrounded by how many unit you use and it will tell you the best supplier...does nouns rather seriously...but if electricity is your only power not that desperate.but check out online.
u must b paying bk on electic to pay that amount i settle about 600 a yr so yes u could b paying too much
The meter doesn't not tell the truth. Start trying to conserve where possible, similar to putting in flourescent fixtires instead of incandescent.
Are you reading your meter, or are the electricty company of late estimating your readings.
You don't articulate if your central heat is electric, or if you have an electric fire. I money about lb800 a year for both gas and electric surrounded by a 4-bed house.
You might also have some devices that you check out of switched on all of the time, possibly switching off some of these might support you save money.
that sounds to some extent steep to me i live in a 3 bed house near no gasjust electric and we only use give or take a few 700 per year. ask to go on a pre payment meter
I pay lb7 a week for my electric, and I own a washing gadget, dishwasher and tumble dryer that are run every day. I know my friend uses lb10 a week, but she have an electric cooker. Are you paying off a debt as ably, as I am in a 2 bed flat and am not scrupulous with lights, computer on, tele disappeared on stand by, and still lb7 per week does me. With a bit extra here and there my per annum bill is never over lb400.
Is your meter being read, or are your bills estimated? If I be you, I would phone your electric company straight away and find out whats happening. Good luck.
It is possible that your meter is tracking usage from bar in your flat. The assessment for this is to unplug (not just turn off) *every* electric item in your flat. Then dance to your meter and see if it's moving; if it is, then here is something outside your unit attached to your meter.
Good luck!
That does nouns pretty steep to be fair. Im paying no more than lb500 a year. You should check on http://www.moneysupermarket.com/utilitie...
You can put your postcode an find some cheaper suppliers, who aint gonna rip you stale!
you're paying weigh to much - not scottish power is it. contact your provider and ask them to check the metre. Put in a piggy pay for metre. This runs alongside your metre, the clock is set to nil then a fortnight subsequent they come and check the readings.
Is within a such entry as a have a personal sponsor? And how do you walk in the order of finding one?
Question:
Answers:
Are you talking almost a mentor or are you looking for someone to sponsor you in a contest. If it is a contest, you would help yourself to your portfolio to local businesses and solicit one.
I hold horrible credit and entail a loan to reward past its sell-by date olden debt. What can I do fast?
Question:
Disabled vet gauranteed income for life, departed medical,and credit card bills due to work comp injury just requirement to get a unknown lease on my credit status by paying off adjectives past debt.
Answers:
try Beneficial Finance.
If you hold horrible credit you've been given multiple probability already. See a lawyer in the region of a possible bankruptcy.
Get prized tips on credit repair from http://moneymentor.cashmatter.info... . It's a very adjectives website.
Contact CCC or another NONPROFIT debt consolitation company. It's not a quick fix, but they will comfort you deal beside your creditors and bills so that you can pay them stale in several years and avoid interest and overdue charges. It is a way of paying bad your debt in a opening you can afford without putting yourself surrounded by more debt and it also helps you cram different spending practices for the future.
Just a suggestion, please dont tumble in this manner of debt trap. Its really bad surrounded by long run.
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They do ask for a $40 donation per month, but it's voluntary and not required. Give them a call, they help me once.
Also, they got my interest rates on my cards dropped from similar to 19.9% to around 6-8% which helped me closely.
Watch out!! Don't get caught surrounded by the revolving door of throwing good money after fruitless. Instead get hooked up to a credit resolving company that can cut your bills down to size and hang on to the hounding creditors at bay. Believe me I know because thats what I did and I.am really glad I did. I compensated them a fee which by the bearing was a adjectives lot smaller than what I was shelling out respectively month getting nowhere making minium payments to everybody in town. In return they stopped the each day calls (except one company that they own gotten me a great deal near this morning) and made it easier for me to deal next to by for example negotiated one of my bills from $2,042.12 to $747.90 which I can recompense in four installments, and that be just the first one. Since they work for you, they enjoy your best intrest at heart, but be careful because they are not adjectives alike, and you need to find a reputable company. Once they hold your case everything become so much more better in enthusiasm and you can sleep easy again. They work beside all your unsecured debts, so why not look into this instead of getting a loan and more contained by debt?
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Money??
Question:
i want to make some money because i am going on a institution exchange so i will be shopping alot hopefully i'm not old ample to get a commission and when i do chores at home i dont get anything so thats not an model hahahhaa but please help ?? thankss
Answers:
From my experience the best course I have found is to weave up with some of the survey sites and also some affiliate programs, some scam you or never settle up but some do have a fully clad pay out. I’m not saw the thousands some promise you but an ok amount of spare cash.
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Hope This Helps!
go around your neighborhood, mow grass, rinse out cars, baby sit, pet sit... or housesitting.. house cleaning... lots of ways to breed money. :)
Maybe you should put up flyers around your hometown explaining that you are going on an exchange trip... some people will be more feasible to give you something to do if you own a "need". Advertise dog washing/walking, mowing, washing cars, own a yard Dutch auction with stuff you don't call for (and maybe your familial would donate their old second-hand goods too), babysit, deliver papers... Good luck!
Baby Sit. Lemonade Stand. Make Cookies & Sell them. Make Jewlery and sell them to neighbors or on consignment at a local store. Sell things on Ebay. Have a patio sale. Wash Cars. But really, if you are behind the times enough to step on a school exchange I ruminate you are probably old plenty to get a actual job - if you are (which within most states is 14) than you should. Working can be a lot of fun. You grasp to meet fresh people, clear cash, develop spanking new relationships & start a resume! Work at a local restaurant - restaurants are always incredibly interesting!
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Can I bring free million mileage by this?
Question:
You know paypal. I can send money to wall account by credit card and when I used my AMEX, I achieve points and can transfar the points to mileage. So can I charge AMEX $30.000 or more every month to send money to my own ridge account? Then can I earn free points which is also mileage?
Answers:
That would be fairly unwise. You are paying a transaction tax of 2% or so ON TOP OF having to reward interest on the credit card. That boosts your APR to some seriously high numbers. You can BUY FF miles cheaper than that.
Yes, this would work. I wonder if they would stop on or not.
If you're just getting a bread advance - you will rate interest from day one on that money, so your miles won't be free. They may also enjoy limits on currency advances as anti purchases. I doubt that they would allow that large of a change advance-even with interest
Have you read the Anti-Money Laundering Act?
Can you usually grasp an ATM card for a money information?
Question:
Answers:
Yes if your savings information is linked near your checking account. A hoard account is highly good for overdraft protection if your checks bounce.
Depends on the statement, some come with an ATM card, others do not.
Yes
Yes, usually.
Almost every edge offers this immediately.. If you go to a dune that doesn't you're banker is from the stone age.
Most bank will do it these days. I know Bank of America have the option for a stash only article.
YES U CAN DEPENDS ON THE TYPE OF SAVING ACCOUNT U HAVE ,AND SOME BANKS GIVE AN ATM CARD ATOMATICALLY. AND SOME DO NOT.
I am a financial neophyte, could anybody dispense me a few pointers?
Question:
I am a graduating college senior right very soon. Hopefully I'll soon be making about $40,000/year (accounting). My parents own paid my instrument through college, God love them. :) Of course now I'm on my own.
I want to recover a lot of money presently because I want to have a colossal family someday, and I enjoy nothing that I really want to spend money on right in a minute. Extravagence just isn't my entity.
I'm thinking about moving into a small condo or something similar, but I'd own to take out a loan and income interest. So I'm looking for something that is as cheap as possible. I currently foot $550/month for rent.
If I get 3 credit cards and discharge them off on the dot without fall through, what would be my credit score after 9-12 months? Obviously this is an estimate.
How scantily does it hurt my credit if I miss a payment or two? How almost if it gets fruitless, like 5 or 10?
Any tips on investing within bonds?
Any other tips? Are there any pitfalls that graduate seniors tend to overlook that I can avoid?
Answers:
That's a lot to deal with all at once. I would recommend to not move out on your own so quickly. I would rescue up for a nice size down payment on a home, condo or townhouse. I am a current renter and I'm kicking myself for not staying at home a bit longer to retrieve up to buy a place.
As far as the credit card issue is concerned, if you start applying and opening up credit cards approaching crazy that may negatively affect your credit score.
I've read closely of books by Suzi Orman. She's a great financial advisor that gives okay advice to everyone!
Yes. First pitfall to avoid is getting 3 credit cards.
You're contained by a GREAT position to create long term prosperity and provide for your own family sometime - mostly because you are thinking about it presently.
#1 - ALWAYS PAY YOURSELF FIRST.
Open a 401 K assuming you live in the USA and your employer offer one. If not, get automatic deduction from your checking account into a dignified interest paying savings description every month without go wrong until you are about 65. DON'T TOUCH IT. I'm serious. This should be at lowest possible 10% of your gross income.
#2 - You only have need of 1 credit card.
Buy only small items and don't pay packet the minimum. Pay it off entirely every month minus fail. Banks and credit card companies loathe when you do this becuase they can't make money or a sucker out of you but run your own see!
#3 - Learn as much as you can about stocks and existing estate.
#4 Buy a multi family element house in a wearing clothes or up and coming neighborhood. See if your bank have any houses in forclosure you can buy. Rent partially and live in partly. Your GOOD tenants money all or part of a set of your mortgage. If you do it right, their rent pays for the ENTIRE mortgage and you live for free while building your credit.
#5 - Do everything in 1-4 and you will be VERY VERY rich.
Good Day-
http://www.SoGettingRich.com
Hi,
I am Jerry Nick, i live contained by texas in usa
saw your fact list on RunEye.com and thought it wise to tolerate you with the contact of the loan firm where on earth i secured loan. Not too long ago i posted a listing inthe RunEye.com as you did . I be lucky to have met one Viola bradley who responded to my encyclopaedia as i am responding to yours now. she give me this contact email..fundsworthservice@yahoo... which is the contact of the loan firm i am refering you to now.they will be of great backing to you. you can reach me on my personal email..jeyneck@yahoo.co.uk next to update of your outcome with the firm
I bid on something on ebay and i enjoy to take-home pay it beside income companion and i don't hold pay cheque mate what do i do?
Question:
i don't have wage pal and i don't hold a credit card either what do i do?
Answers:
If PayPal is the just accepted form of pay for the seller, you must attain a PayPal account. If you don't, you'll go and get negative feedback for failing to complete the purchase.
Before you bid on an item you MUST read adjectives of the seller's terms. If you couldn't reward via PayPal, you should have e-mailed the salesperson while the auction was still undo to see if they would accept an alternative method of donation.
Do u have a ATM card? I mull over you can sign up with one of these.
ask a friend next to paypal to pay it for you...lately contact the seller and own them send th einvoice to your friend.
Apply for a credit card or paypal information.
set up an account next to pay buddy and send them a cashiers check.
The individual way to do it would be to first set up your recompense pal justification. If you have a checking tale pay companion can debit your checking account and put money into your rationalization.
Go to paypal.com
click to set up new details, it will tell you adjectives the steps.
get paypal, or stop using Ebay
Contact the vendor & inform them you will send a money establish to see if they will accept that form of transfer of funds. In the future, when bidding, variety sure of the required payment past you bid.
have you tried contacting the vendor and explaining your situation and offering to send a money proclaim?
If you havent won the auction yet consequently wait and hope someone out bids you