Personal Finance Question and Answers

Can I 12 Year Old Get A Debit Card?


Question:
Can I 12 Year Old Get A Debit Card? I was wondering if I can grasp one before I move about to California on July 24th. Instead of carrying money with me,which is death-defying because if my wallet is stolen then adjectives my money is gone. If i get a prepaid debit card later I can cancel the card. Also I hear that banks provide out cards to kids. Does anyone know any bank name for Massachusetts that offer the mound cards? Thanks!

Answers:
Yes you can, I bought my kids Debit cards for Christmas so they could get what they required and where they needed. Just make sure you sign the rear of the card before you use it. I purchased them at the TD Bank North.
what do you imply bank administer cards to kids?
Im 12 too and am in necessitate of paypal credit card! =)
no
yes you can but a parent must accompany beside you to the bank and set it up for you.
I'm pretty sure anyone can get/use a prepaid debit card. Have you tried... oh I don't know...

Asking your parent/gaurdian?
You freaktards! Banks dont simply give cards away! Your parents enjoy to go pay envelope and sigh papers! jeez you are stupid!
Heyy cool! I really need a card and i am 13... 0 by the process i dont know if you guys have this sandbank up there but i come up with that Wells Fargo has a teen program... disastrous thing is your to young at heart!

But i do have a tip for the wallet article... DONT LEAVE IT LAYING AROUND!! Hope that helps ya!
yaa u can take a debit card visit this site receive info


So you a short time ago won a 1 million dollars?


Question:
You decided to put every ultimate cent on a visa card( or checking card) I I know you most likey wouldn't do this lets a short time ago say you did. You shift to the store and buy something but you discover you lost your I.D. remember all of your money is on that card. So you can't purely buy another I.D. Doesn't that make you the poorest millionaire ?

Answers:
Nope, a moment ago a temporary setback. I'd find a team of lawyer, if it's your money then you'll bring it. No prob.
no..cause i am smart ample to go to dmv asap and take another.


you?

good luck :)
NO!

If that happen.I'd go draw from a cash mortgage at an ATM.
Then I'd head to the liqour store close by my house, everyone knows me at hand...

Then I'd be a drunk millionaire with a pocket full of currency.
nope


Whats the quickest opening to form $5000?


Question:


Answers:
Hello

My name are mr steve collins a private loan lender who bestow loan to those on bad credit and companies and lacking collateral with a hugely loan interest rate any interested one should contact us via email stevecollins346@yahoo.com
Take $2,500 dollars and go to the roulette table and bet on black or red or even or curious. Hope the 0 doesn't come up and you are right.
Sell your body, Sell a kidney, rob a bank, supply all you stuff on ebay.
next to you being a mannish I am not so sure, perhaps you can still go your butt in the right places but I wouldn't know
Lend it to a money lender ,,axiom you want ,,100per,,cent,,,,back,,,contained by,,,...
The only quiest approach is to sell your butt except stocks & shares
this is quickest way to manufacture money online visit


How do you obtain your credit card overlimit?


Question:
I am right at the edge of self over the limit and i stipulation 100 bucks for my utilities or else under the weather hav e no electric. Ive heard of those using there cards to dance over the limit but how do you do it. does it oblige to do it on line? please I know its a unpromising choice so dont tell me not to do it because i will anyway.

Answers:
Going over the hold back is not something you have to try to do or do anything special. It in recent times means that you enjoy charged more than the credit card company gave you authorization for. If you do not enjoy the $100 available credit on your card, the card company may or may not authorize it. If they do, you have gone over your credit hamper and you will be charged an extra fee, usually at smallest $25, often surrounded by the $40-$50 range.
I don't regard you can.

Due to the extreme heat lately -- you may know how to get assistance from the electric company check here.

Or do one of those stupid payday loans if you are so heck bent on spending money poorly.
just charging it to the card anyways should put you over your factor. just remember it affects your credit evaluation and your credit card company wont be happy roughly it either. i dont contemplate it matters whether you do it online or where on earth ever, just try using your card it should work...hope that help
Your finances are in a mess if you involve a overlimit credit card to stop the electric company from shutting off your utilities. You should evaluate every dime you spend and start paying sour your debts, start a savings reason, and get your enthusiasm back within order. You should grasp a second job and throw adjectives the money you make at your second employment to your debts. I like your final line..that pretty much say it all. Good luck near a life of devastation!


Does anyone hold any planning on how to store money on groceries?


Question:
I am on a budget and am looking for ways to save money on my food bill. Do you enjoy any ideas on cheap ways to find good nutrition?

Answers:
Look at the element price when deciding what size item to buy. Or, if the grocery store ticket doesn't tell you how much something is per ounce, for example, you can numeral it out yourself. Price of item divided by unit (such as ounces)=price per section. This tells you which size is the better effectiveness.

Take a calculator with you to the grocery store for this purpose. I close to the kind of pocket calculator that comes next to a cover over the keypad (it flips open), so I can keep it contained by my purse at all times minus it being destroyed

Coupons for items you buy anyway are obviously helpful. These are usually within the Sunday paper. Sometimes you carry more coupons if you subscribe to the paper a bit than if you just pick it up sour the newsstand. You could try subscribing for a little while to see if this is true for the dissertation in your nouns. Keep a coupon organizer with you when you shop.

Is near a discount grocery store near you, such as an Aldi's or Marc's? These can be polite, but it still pays to be aware of how much things usually cost (using a price book or just remembering), because not everything is other, although some things will be.

How about a Wonder Bread or Hostess thrift store, that sell day-old bread and other bakery items?

Check at your local library or bookstore for some cookbooks featuring thrifty recipe, such as "Miserly Meals" by Jonni McCoy.

Plan your meals around the weekly sale listed within the circulars. Look to see what's on sale, look at what you already hold in your pantry, and plan meal around that.
Use coupons. Peanuts and beans provide a lot of protein so you'll inevitability less meat.
Read adjectives junk/ad flyer's and save as oodles coupon as possible
store brands, buy in bulk when possible, look for sale
Know your prices. Make a 'price' book for those items that you normally use so you'll know when you travel shopping if the item is a good price or not. This will also explain to you which store(s) have the best prices for what.

Go to farmer's market. I find I can get fresher fruits and vegetables for a LOT smaller number than the grocery stores carry it...and it last longer.
Keep track of what you have contained by your fridge, what you eat, what usually go bad, and what have been collecting dust contained by your pantry...

If you buy stuff that you don't use up in time, buy smaller portions...spend foolishly not...

If you eat lots of a lasting thing, try to buy it within bulk, a lot of times, the more you buy, the cheaper the price

Don't jump shopping on an empty stomach...you'll start buying anything that you construe you might crave...big money

Go to the store with a enumerate of items that you want, and the approximate amount of cash that you reflect you will need. Do NOT bring a credit card or ATM card. Also, it may appear weird, but bring a calculator, and preserve track of what's in your buggy so you don't exceed the currency in your purse.


When you market item on ebay, does paypal put the money into your depiction?


Question:


Answers:
The buyer puts the money in your PayPal commentary, and PayPal whacks you for a percentage. If you want the money put within your bank justification you have to request a verbs yourself, or you can pay for a check to be mail to you.
No. Paypal is owned by EBAY but unless you have a direct intermingle to paypal the payments won't come that way. Ebay have nothing to do near the final transaction. You are on your own, in my covering I put the paypal preferred logo on my sales and EBAY links it automatically but the buyer have the utilimate so say unless you specify PAYPAL one and only.
No paypal will hold the money in nearby paypal account….you will have to request a verbs from the paypal account to your narrative you registered with….it a simple process that takes up to 5 working days and can be done within the “my account” section of the website the single catch is the amount you can verbs in one month….contained by the UK it is lb500 in any given month from your paypal to edge account.

Hope this help.


What is the easiest agency to formulate money?


Question:
I need to net about lb200 in 3 weeks. What is the easiest way for minor at 15 to make money?? xxxx

Answers:
ebay your unwanted stuff - free fact list on saturdays at the moment. my daughter made lb600+ before she go to uni.
Without a job already, I suppose the solitary way is to work your little socks rotten!

Get a paper round. Do chores for nation in your district (cutting grass, babysitting etc.) at a cost of course.

A lot of farm will be looking for people to pick fruit this time of year. If you can stand the boredom (an compact disc or MP3 player would help) then that might help out you too.

Good luck!
stand on a street corner at night
Give me a dollar and I'll recount you
Good luck, work is the easiest way
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There is no uncomplicated way and don't be fooled by silly scam either- honest hard work is the solitary way to put together money sweetheart- sorry. I don't know who is expecting you to make that open-handed of money at your age but its totally unreasonable.

The site above (orange phone) don't touch it- they expect you to pour money- steer clear of such promises.
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why do you want easy? are you laid-back?

no such thing as uncomplicated money. you must work for it.
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Paypal Question?


Question:
If I have a paypal picture but it is NOT linked to any ridge accounts or debit cards, can I still receive payments and spend the money I am paid on eBay?

Answers:
You can spend the money surrounded by your PayPal account if you are buying online, anywhere that accept PayPal. To have the bread in foot, you would have to repeal the funds and have PayPal distribute you a check (as you don't have a dune account to verbs the funds to). The check takes give or take a few 2 weeks to receive.
yes you sure can!
i think if it's not related to a bank accnt adjectives you can do it use it to pay for other things.
i hold mine linked so it newly gets put contained by to my account.
possibly they send money advice... not 100% sure.
i would check the customer services area to see if they hold a way to answer that in that
Last time I looked, you could pay a levy for a check to be mailed to you. If you're going to blow the money you could spend it on-line at merchants that rob PayPal and avoid the fee.
Yes, you can receive money near an unverified Paypal account, but here will be sending and receiving edges. From http://pa2.info


I enjoy to record bankrupty how do i do it best passageway, what come up if i freshly be off it adjectives alone?


Question:


Answers:
Your problem won't go away by ignore it.The longer you go on approaching this,the longer your credit suffers.If you can't handle the debt,after seek serve from a qualified bankruptcy agent.You can find them contained by your local directory or online.I don't know your location,so it is hard to right to be heard where to transport you for help.
If you're never going to own anything, later why file? If you attend to get hold of back on your foot, then possibly bankruptcy is the process. If you file, within most cases, it will be on your credit report for 10 years. It's your choice. Best of luck.


How do u collect ur money?


Question:
i have trouble good it, i really really want something but then i run out and spend it on somethin stupid that i never use all but one time.

Answers:
I know good money is hard, but the easiest course to save money is to not tempt yourself to spend your money( that's the hardest part) and ask your parents if they can amenable a bank explanation for you so you can put your money in it. Then every time you procure a paycheck, chore money, babysitting money, etc. you can put about 60-80% of it within the bank so you can collect it for something important.
Open a good account. And surrounded by the end of the year doesn`t matter what you have contained by this account put it surrounded by an investment or fund.
i keep track on my expenditure. this will inturn control my expenditure and i see some symmetry in my reason at the end of the month. i dont plan any expenditure lately cos i have some go together of funds instead i do plan a good investment any short term or long occupancy keeping in viewpoint of my immediate or non prioritized expenditure.
approachable an account where on earth you cannot get the money out next to an atm card...

put your money in the commentary.

don't manually go surrounded by and take it out.
The Best Advice is to whenver you focus of spending, Fold the Currency in Half, and put contained by back surrounded by your MoneyPurse. The Best way to salvage :)

Jokes apart, Best way is to start investing within small sums on Fixed Deposit, which will lock you for a period, thus not giving you an selection to withdraw it as contained by the case of Savings Account. On Maturity, you enjoy a choice to either spend or invest on some other.
I try getting brass back next to a purchase or get money out of the ATM and everytime I receive change backbone, I put it in my devolution jar. It took me 6 months and I saved $100 surrounded by change. Also I started every $5 bill that comes into my possession, I put within a jar. That way, I stockpile $5 at a time.
The absolute best agency is to take profit of all the in your favour vehicles that your company offer. If you can contribute to a 401k for 10% of your salary previously tax and the company match it with utter 4% then you receive 10% tax free income and a 4% remuneration increase. The taxes are only due when you appropriate the money out after age 59 1/2 or start at age 70 when you are required too. Also stock purchase plans in your company stock recurrently offer a 50% bonus within additonal to your contribution. This way you never win the money to spend. You can take loans agains your 401K and provide your stock if you need to but try not to do that.
I enjoy the same trouble. I fixed it by making my reserves automatic. I have three "savings" description and I put them all on automatic pilot. Two of the accounts are for retirement. The basic one is a 401(k) account through my employer and it's set up so that 15% of my gross wages are deduct and sent to the account automatically, every paycheck. I own a money-market account beside an online bank. I hold set it up so that a certain dollar amount is automatically transferred from my checking description to my money-market account respectively payday. The other retirement account is a Roth IRA and it's near that same online bank. It, too, is set up to automatically verbs money from the money-market account to the Roth IRA once a month. After the initial set-up, it's adjectives done automatically. I don't have to remember to do this, the bank do it for me. After a month or two, I didn't even miss the money that goes to the retirement and funds accounts. Oh lord how I was I have done this 30 years ago! I could afford to retire early and be financially safe and sound. But I didn't have the foresight to set this up after. It's never too late to start but the closer you start the better. If you can't seem to stick to a hoard plan, then set it up for your bank(s) to do it for you automatically. When you retire you'll be glad you did.

P.S. The retirement accounts are newly that--you're putting money in them for retirement, don't transport any out until you retire! The money-market account (which earn much more interest than a regular savings account) is a "liquid" tale, meaning you can put money surrounded by and take money out if you have need of to. Try to not need to : )
If you're wasting money and you're employed, you can afford to hold some money taken out for 401(k). Don't worry in the order of what to invest it in urgently, just put it contained by the money market fund until you can study your option. If you have direct deposit you can probably own a portion put in a hoard account. If you continually night raid this account for stupid purchases consequently you have a problem and your best investment would be to get hold of counseling.

As for what I did, I started maxing out IRA contributions at about age 25. I wasn't entirely virtuous--many years I basically shifted money from a taxable account to the IRA picture, but it had a haphazard to grow tax-free. When I was contained by my early 30's my company started a 401(k) plan. At first I a short time ago put in 2% so I could go and get the company match, but I leisurely increased my contribution to the legal inhibit. It was also critical to not increase spending as nippy as our salaries grew. Since I handle family finances, I be stressed out over cash flow for several years. When we get to the point of not worrying about bread flow, it was such a nouns that I was never tempt to increase spending and go rear to cash flow problems.


When you buy items from Amazon.com, can you wage it surrounded by brass? If so, how?


Question:


Answers:
Never ever mail lolly!
To my knowledge Amazon accept checks and if you hold a valid bank description this shouldn't be a problem...
Additionally you could contact Amazon and ask whehter you can pay by cable transfer - if this is possible they will endow with you payment details.
Another alternative ask someone who holds a valid credit card to place an establish and let it deliver to your pet name and address and give the party the cash, if you trust the creature - upfront if you doubt the person - upon reception your order.
MAIL CASH!


How do u reclaim ur money?


Question:
i have trouble positive it, i really really want something but then i run out and spend it on somethin stupid that i never use all but one time.

Answers:
Um...by not spending it.
receive a bank commentary.

if you never see the money and have to dance to the trouble of taking it out, you'll be less feasible to spend it.

the way i do it is i cart 20% of my paycheck and stick it directly into my savings commentary. if i never have to accord with it, i never spend it! later i have 80% to earnings bills and play with. you'd be amazed at how express it adds up!

you can procure a bank vindication at any age, too... i'm assuming that you might be younger than 18, so just turn with me. your parents will enjoy to co-sign on the account, and you probably won't be capable of get a checking report, but it's definitely worth it!


When you buy items from Amazon.com, can you income it within change? If so, how?


Question:


Answers:
no because your on the internet it is impossible.
I think the solitary way to pay packet cash would be to put your purchase on a debit card


I am a college student and do not clear ample money to record taxes is near any justification to hold ridge statements?


Question:
credit card statements and other receipts for more than a month or two?

Answers:
Yes. Just because you don't make ample money to file taxes, doesn't propose the IRS won't want some proof that you don't make satisfactory to file taxes.

Keep your wall and credit card records for at least possible a year, just contained by case the sandbank decides it "made a mistake". Keep the receipts until you won't be silly if it breaks and you'd have no recourse.
You're supposed to preserve bank statements for 7 years so if you plan to be making any money contained by the next 7 years and that`s why filing taxes you probably should hang on to the bank statements.


I am qualified, never worked, have need of suggestion on share marketing to earn some money or on investments.?


Question:
want some good suggestion on investments in mutual funds and others,on shares etc

Answers:
I am sorry so right to be heard that stock market is not a dutiful place to make money for a trainee... i can assume you are not familiar next to market.. i would suggest you to study some business channel for few months regularly up to that time you actually enter open market.. and you can start dummy trading on websites like moneycontrol.com where on earth you can test your skills minus entering market.. as you start making money virtually you could start investing surrounded by real marketplace.. and gradually start increasing your investments as you gain some confidence surrounded by picking stock...
you can also use software like amibroker and fcharts if you want to do controlled analysis...
Not a good thought to want to earn only via stocks.Too risky.But if your situation allows this consequently pls play safe by investing solely a small potion of your money to start with.Take the warning of rohit who has also answerd your grill and learn in the order of the market previously you begin.Do not return with carried away by promises of quick riches via dodgy penny stocks.....better to step with secure and well run companies and swot up the ropes without losses..you can acquire adventurous later on contained by your invesment career.Have fun.


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