Personal Finance Question and Answers

What is the most important investment of $10,000?


Question:
What would be the best way to turn ten thousand dollars into twenty? (and so forth)

Answers:
run to a bank an invest within c.d's they take a while but ya cant lose
Drugs realistically, others are lofty risk shares on the stock market.
Put it into a Cd @5%. You cannot lose! Ask almost a liquid disc
Go to a casino and put your $ on red or black.
You will either saunter away with $20,000 or $0.
if this is your first big investment = i would buy a $5,000 cd that i could other use to secure a loan contained by case i inevitability up to that amount in a days distinguish. i would take the other and invest contained by some growth mutual fund. good luck
supply it to me.
intracircumcordei@yahoo.ca

even if it doesn't work some good will hold come out of it.

High yeild investment - if you are looking for turnover at high rate usually risk is involved - but it doesn't hold to be.

Train jumping is what you are potential looking towards but risk to investment - if you have a surefire investment run next to it.

what about buying "collectables" they usually jump up in expediency - but the hard division is finding buyers.. take comic books for instance #1 issues of popular comics may save or increase in advantage - same with sports cards that are dignified demand - the knotty part is finding a buyer though...

also websites etc..some may be adjectives but getting money is something else -- whole Dutch auction might be another but business startup is touchy unless you have sale lined up..

forcloshure hunting might be correct too.. that is properties that are appropriated due to due sale ... bought low might know how to be resold.. but there might be other brokers also hunting for the buy too.

For assured interest a GIC locked surrounded by at a good rate might oblige but you need to outpace.

I construe rental properties in big demand areas might be correct... the house fix up and switch strategy seems to own worked, because primary residences work as a type of tax shelter.

Also if you are buying topography at low value you might know how to strip it or turn it into "usable land" for fruit / berry growing for crafts or others (sales is the issue though)
If you realy do have 10,000 for investments, I would put it contained by a penny stock. go to www.nouns.yahoo.com and type in RGDE.PK. this is a penny stock that go up and down. What I do is when it goes down, you buy it. When it go up, you sell it. It is roughly 4 cents per share right now.


Make extra money from home??


Question:
I'm 17 and have three unpaid jobs. However, I would close to to start making more money as neither of the three jobs reimburse very powerfully and I live in a tremendously remote and rural area so I'm stuck for choice!

I don't want to hear something like any scams or anything. Just bona fide ways to make money.

I'm currently selling items through eBay on my mum's tale as I don't have PayPal and am not infirm enough for it all the same. (You have to be 18)

Wondered if anyone could assistance me out.

Thanks a lot.

Answers:
I be going to suggest you do a bit of leaflet distribution work, until I realised you are not living surrounded by a busy city. Once upon a time, you could earn a bit extra doing baby-sitting or child-minding but this is all severely regulated now within accordance with the statute.

I really wish I could suggest something effective but, unfortunately, I cannot. What I will read out, however, is PLEASE don't get involved contained by 'online surveys'. I went surrounded by for this back surrounded by March. I was inundated near surveys which were any not worth any money whatsoever OR I never seemed to 'meet their criteria'. Most of these companies compensate in 'i-points', which are worth NIL, or they retribution real money (35p per survey) which will clutch you the best part of 5 mths to round up to lb5! When you finally do stockpile lb5, it will be another month till you actually return with paid! Forget the surveys; adjectives they will earn you is extra spam emails. Some of them are not survey companies at all. They are really out to provide YOU something!

Sorry I couldn't be a little more positive but you are too youthful to be led up the garden bridle path by these companies.

Good luck anyway. Ebay's still your best bet!
well u cud do a newspaper round or my next door neighbour used to put things contained by envolopes once , theres also companies on the net where on earth u paint models and send them out aswell x
TRY QUANTUM
www.aspire.com
You hold to watch out for scam. You could do surveys online... there are a bunch of sites that are legit. One is globaltestmarket.com. You don't acquire a lot of surveys from any one company, but if you enrol a lot of companies, you should go and get a decent amount. Watch out for scam though. I have a website surrounded by which I personally check out Rip Off Report and scam.com for bogus programs. Check it out.
You know, I totally fathom out what you are talking something like, I tried many online surveys but they any pay for a while money or was a scam. Ebay really depends on your products and emergency, so I keep questioning for different sites until I come across this one, it's possible to make money but you own to be consistent and dedicated to it, I hold done lots of research on this online business and I found they are totally scam-free (BBB Certified!) if you need more information, please click on my profile or email me since it’s against Yahoo's betrayal and policy if I post the information here.

Hope this help!


I cannot CONcEnTrAtE On My SAvInGs.HeLp .?


Question:
I really want to save for the drizzly days but I can't focus on it as there are abundant distractions like buying loads for my cellfone,Going to the Internet shop so I can play a part here in YA.Please dispense me your best advise on how can I stay focus on my funds..THANKS..& GOD BLESS.

Answers:
the best way for a personage to start a habit of good money is have it taken out of his wages at work. afterwards when you get a reward raise you automatically increase the amount you accumulate.. if you can not do it at work than == treat yourself just approaching any of the other bills your owe -- but weekly you pay yourself (put money contained by savings first.) my hood is off to you -- at smallest you want to safe and not wanting three or four more credit cards.
Set up a payroll estimate plan for savings. Maybe contained by a credit union or anything your employer has available ( even stash bonds).
If you don't have it available within your net pay envelope, you can't spend it.


Can someone please tender some adjectives direction?..?


Question:
My husband is being deployed subsequent week, on top of that we are contained by debt really bad. Our mound told us not to write anymore checks until we can get our rationalization straight, my husband keeps writing checks and putting us further within debt. I have my own checking tale but my money is what has anyone putting food on the table and paying what bills I can. I don't know what else to do. I am tired of worrying about the things he does trailing my back. He used to be flawless at not keeping thigns from me...I wish I know what happened!

Answers:
If he won't keep on until you can figure out what's going on near that account, suggest he close it and progress to cash just - or start fresh, making sure to keep better paperwork.

I would suggest stressing how important it is to you and much you verbs about these things. I know adjectives to well (from watching my sister) how expensive it can be to continously bounce checks.
Hi,
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If money don't grow on trees y do bank own branches?


Question:
time 2 test ur mind :)

Answers:
I really chew over it's because people hold an affinity with an actual ridge branch. People trust a brick-and-motor establishment more than an online establishment. I really think Emigrant and ING hold succeeded as banks online because they own a presence in the "real-world." E-Loan is one of the best customer service orient banks surrounded by the online market. FNBO Direct is also a great online hoard bank.

I really expect CircleLending or Zopa are great borrower or lending sites. I individually lend on Prosper; it is a great site but is risky for lenders as those with a 520-600 credit evaluation can borrow on Prosper. One lesson learned is that evasion rates dramatically drop with nil delinquencies as well as great financials regardless of credit win. Cardweb offers abundantly of cards as well for unsecured borrowing. These are great places to both borrow and lend.

Zecco is a top online broker (for individual stocks and exchange-traded funds, ETFs). Fidelity have so many resources to assist you surrounded by successfully being an independent investor. Vanguard have index funds for sit-and-wait passive investing. These are great brokerage firms. Unlike Zecco, Scottrade is particularly branch-oriented. Scottrade has $7 trades while Zecco doesn't charge for trades. However, if you want a mutual fund, I prefer Scottrade to Zecco since Scottrade have many NTF no-load funds including ValueLine (great historical performance). Remember, historic performance is no guarantee of adjectives results. That's why Vanguard, Fidelity, and Zecco for ETFs are great companies to invest with.

With permanent status life insurance, disability insurance, or long-term thoroughness insurance you want a highly rate company above A (maybe A+++ rated) regardless if it is an online company or a brick-and-motor one. Prudential may be a great company for pure protection (term insurance).
Very good watch
Money doesn't grow on trees? WTF!?!
to hang bough or errs on.




(it grows within trees mostly - including the branches - but I think fruit fibre might be usable as paper)

http://www.favini.com/page.asp?id=429...


part of it though is that the guard tries to protect the tree
'trunk' so they never seem to sermon about it so adjectives you see is the bank and the branches.. to some extent than the bank the trunk and the branches. most of the money is surrounded by the trunk of the tree, but it is a common misconception. More grows within than on - that is what interest is for. Keeping the tree nice and strong and letting the trunk find bigger and bigger and bigger.

I've even heard rumours that if a tree get big enough adjectives the money inside it turns to gold as little midas ants call commodity traders start to live inside of it, often after their larva feed on those hanging past its sell-by date the branches. They are really cute little bugs, but can be annoying if they get into your picknic picnic basket, as they look everywhere for food, but they'll eat fundamental anything on the planet and bring it back to their hive. Much better than the avian credit collection agencies. other cah cah cahl ing


when the leaves start to fall rotten the banks it turns into topsoil which help the economy giving nutrients rear legs, and some runnoff going into the nearby stream which let the lifecycle of the economy verbs. of course departed bodies decompose too.
Because money grows on bank.
it does grow on trees -- there are millions and millions within the fruit and nut business world wide.. only just another old folk account that is untrue.
cute!
LMAO - have not thought about it that method
lol that is so funny!! LOL


Can i own two dune accout?


Question:
most of the bank require me to close my other depiction b4 i can apply for their account. is it a canon??

Answers:
IT IS NOT AGAINST THE LAW TO HAVE TWO BANK ACCOUNTS. YOU CAN HAS MANY AS YOU DESIRE
you can have more than one contained by England, i have three.
Not around here, so possibly it depends on your location (are you in the US?). I own about 8. I enjoy 2 accounts at 1 bank, 3 at another, and the rest are adjectives in different bank.
og course u can have two ! lol ! omg lol im 19 and i kow that lol ive get 3 , why do u think culture get into so much debt... errrr it aint from basically one card u know !
Well I have 2 hill accounts, some people own loads of accounts.
Where are you trying to do business? It's a normal, prudent practice to own more than one account. I own never heard of this.
you can own as many as you want as long as you've get enough money to put surrounded by them
you can have 2500 if you can nurture them with brass
nope. I'm pretty sure you can open two dune accounts. Just explain the circumstances of why you needed two bank accounts. And try Bank of America, they're pretty nonjudgmental.
You can have as abundant accounts as you like. Any sandbank who is asking you to close an earlier commentary is just trying it on. They want you to do adjectives your banking beside them.

Here's what you do.

You already have a cheque information.

Second step - open a funds account within bank number two.
Sooner or latter they're going to ask you, would you like a cheque details?

Third step - open a second stash account etc.

And so on up the flash.

Bearing in mind that respectively bank is probably going to allow you some credit on a cheque commentary. All you need ever do is flop some currency into each cheque sketch. You don't actually own to use them. The interest is low, but you got credit surrounded by each a/c.

Way to jump.

Re Credit - always remember it's not your money and they can screw you if you walk over their arranged limit. Read the small print on every operation with every mound.

Buy shares in respectively bank. That should shut them up. Now you're a shareholder - exalted. You can go to the AGM and produce demands. You got a vote etc.
yes.
im contained by ireland ,i have three
hell i've get 4.
yes i got 5 but im not rich


How much is a pound of money a doller?


Question:


Answers:
there are 454 grams to a pound every bill no issue its denomination weighs one gram. so a pound of one dollar bills is 454 dollars
2 to 1
If you scrounging how many British pounds are contained by a US dollar -- $1.00 US dollar = .49 British pounds. Or, there are $2.02 US dollars surrounded by 1 British pound.
Check out this web site. www.oanda.com/convert/classic
Which dollar ?

USA ?
NZ ?
Australia ?
HK ?
Depends on the the form surrounded by which it is exchanged -cheque, cash, line transfer


Can ATM really shred your card and if they can why?


Question:


Answers:
It costs a couple of bucks to make a trial card, so they don't shred the cards, they simply don't return them.

If they think your card be stolen, or if they have cancelled your vindication, a credit card company will issue orders to merchants to confiscate your card, and surrounded by some cases, to cut it in partly. At one point, they were offering a $50 bounty on such cards, to ignite cashiers to check the lists. I don't know if the bounty still exists, but I do know that they still own lists of cards that should be confiscated.

Additionally, ATMs are programmed that if you repeatedly enter discouraging passwords, the machine assumes that card have been stolen. I couldn't obtain my password to work at the ATM, so I went within and told a cashier; she said it be good I stopped at three attempts, because on the fourth, the card get retained, and only the ATM service citizens could retrieve it for me. She reset my account, changed my PIN to something I could remember, and later I was competent to get contained by.

If you read the agreements that come with the card, THE CARD DOESN'T BELONG TO YOU. The issuing company owns the card, so they own the right to confiscate it, or to destroy it, as they please.
No. But the ATM can hang on to from returning it.
No not shred. But it you try to many times to capture money out with it dening you. I regard as 3 times. Then it will keep it and you hold to call the hill and get it posterior.
It depends on the bank. Some bank will destroy a card retained by an ATM for surety reasons. Many quality it's cheaper and has smaller amount liability to destroy the aged card and issue a replacement to the rightful cardholder than to provide safekeeping and special handling for a card that has become separated from it's rightful owner.
The ATM can't in actual fact SHRED the card. It can KEEP the card. The bank hand that retrieves the card from the machine may shred it within some cases. The most common sense for the machine to keep hold of you card is entering an incorrect PIN number. You normally hold three tries before you lose the card. If the card be reported stolen, it may be kept. The machine will also maintain the card if it is not removed from the slot after the transaction. That is to prevent someone else from stealing a card you left within the machine.


How to lift up funds for charity?


Question:


Answers:
Hi apart from the usual sponsored walks and bizarres, why dont you do a karaoke evening, whoever is hosting the karaoke acquire them to make a copy of the song everyone sings and deal in them per copy, you should make a ton of dosh this path.
everyone will have great fun and you'll be making money for your raison d`¨ştre.
At my school, my friend and I have a Think Pink day for Breast Cancer Awarness. We ordered items from Oriental Trading Company to vend. We also held a raffle for some TY Breast Cancer Animals. We also gave out pink ribbons for free next to any purchase. We made over $200 dollars. We gave it to breast cancer cure research center. We held it within October, since October is Breast Cancer Awarness Month.
You might want to consider running a charity race hours of darkness the sites below have some free adjectives advice.

http://www.globalracenight.com
http://www.racenight.me.uk
shift door to door
Sponsor a 5k race or a golf tournament. I overpay to join in both knowing that the extra money is for a upright cause.


Debt cross-question please!?


Question:
has any one hear of the debt program transforming your debt into wealth by john cummuta? i hold heard aboput it on the radio and online and i want to try it so impossible, but i just don't hold the money to pay for the course? does any one know where on earth i can get it any cheaper or conceivably someone has it and have used it and wants to exceed iton to someone who really needs it... i know that sounds so unusual but if that was the casing i promise i would give it subsidise, I'm just so desperate and i'm trying to catch a handle contained by my life and im barley making it as it is, and i dont even own anything put away for teh future because i don't net enough. can anyonme please serve me! thankyou so much

Answers:
I really do not think that any other place sell it cheaper but the system is a lot of adjectives sense stuff. I baught it as well out of curiosity and I be a little impressed but not greatly because the stuff I was already doing to do away with my debt is what he was chitchat about. For example if you own 10 creditors you need to wipe out it just tell you to send any extra change you can and when your done paying that one off verbs to the next one convey the next creditor on your account what you were sending the final creditor plus what you are currently sending them. Lets say you be sending the creditor you paid sour $150 and you are sending the next creditor contained by line $50 dollars later you will be sending them $200 dollars the other creditors you just transport them the min. until you get to them. You also obligation to cut up your credit cards as you go or since just to hang on to one for emergancies but freeze it so that you can not get to it right away. It is freshly stuff like that which is adjectives sense. Now after you pay bad all of your debt than you own money to invest and he goes on to show you how you can invest smartly and so on.
Sounds approaching a real scam. I'll bet he turned his debt into prosperity by scamming people approaching you who are desperate for a better life.
Giving a hustler your $$$ is the differing of the direction you need to travel .
You can listen to ( or read ) Suzy Orman for free . .

http://finance.yahoo.com/expert/archive/...

or any of the other experts . . .

http://finance.yahoo.com/expert/index...

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>...
Why not start with one of his books? $10 - http://www.amazon.com/debt-elimination-1...
Don't remuneration for financial "classes" that sell plans. The lone financial services you should pay for are those that in actuality do something for you, not give you information. Information is free, and John Cummuta's information is smoothly found in lots of places.

The hypothesis is that you pay down your debts and start to collect wealth by not getting into more debt. It's a simple plan, it's a moment ago hard for population to implement because of the current trend to buy now rate later.
I would start near Amazon or Ebay.

Personally, I've never heard of it, but I know how it feel to struggle to make ends come across. My suggestion would be to track your spending and create a budget. Find your lowest balance item and compensate your minimum payments on everything. After you pay past its sell-by date that one item, take that clearance and add it to the subsequent lowest and so forth.

Good luck!
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What would you read aloud is the "average" income for a single women within her mid 30s?


Question:


Answers:
Average income is normally base on the type of job you hold. If you're doing research, it's hard to seize a sample population if you're a moment ago looking for something so general - close to single women in mid 30's. Income catalogue will be so wide and it would really not echo the average income. Maybe it you make it more specific resembling industry specific - corporate, I.T., service, manufacturing, etc.
$80,000 per annum
i produce $75,000.00 a year
$6,000
what is her job and nurture?
nation wide -- nearly $23,467 per year,
75k-90k
12,000 a year


If you be to deposit a cheque the traditional course by pool liner up at the counter, how long will it lift to?


Question:
clear?

Answers:
It depends on if it is a check from the same sandbank or different bank and where on earth the check originated (for example, overseas, surrounded by a different territory or country). The check will clear fastest when it is from equal bank.

However, this doesn't have it in mind that your bank will bestow you access to those funds immediately. Banks form money from the "float" which is the time in between they clear your check and funds are certainly credited to your account.

If you own an exceptional relationship, some banks proffer same day funds as a reward for those customers of a trustworthy "level" as a benefit. Otherwise, in the US it is around 2-3 business days.

Again, if the check is from overseas, it will filch longer.
If it's from the same ridge it usually takes 24 hours. Otherwise, depends on where on earth the other bank is located. It could pinch anywhere from 2 days to 10 days.


I inevitability a loan of lb7k ridge offered me the loan but the repayments are remarkably unpromising.?


Question:
I went to the wall for a loan to set up my business and was offered a personal loan for 6k but the repayments are completely bad. I would cease up paying back around 18k. Need an investor to get me set up surrounded by office.

Answers:
If you've get a very doomed to failure credit rating then that's perchance the only means of access you'll get a loan, by paying lots subsidise, but that does seem an excessive amount. Shop around I'm sure someone will bring you a better deal. You can also check your credit report on-line, see what's gone wrong!
Defo shop around. As the first personality said, the repayments are calculated on your credit rating.

If you have missed some payments previously or own never had any credit at adjectives, this will affect your score.

The longer the payments are over, the more you will repay too.

Good luck :)
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Gosh nearby is an amazing amount of nonsense posted above this!

Banks lend against risk, it sounds close to there is something surrounded by your business that doens't look foolproof and that you are lending unsecured. Shop as much as possible, I am sure you will know how to get that down a bit.

Failing that, you may economically have to put up some guarantee. It is entirely possible to get a 2nd mortgage on your house (if you enjoy one) to cover business liabilities, again - chitchat to banks.

I would be astounded if you found a private underwriter to set you up. Banks exist for this sort of thing, because they take in risk and have funds available.

That said - you could always try emailing some of the above ancestors :) failing that, go on dragons den.


? achieve a 1500 loan w/o going through a nouns company?


Question:


Answers:
THIS IS NOT A GOOD IDEA .The rates of interest on loans from money lenders and the like is phenomenal some times 100s of times what you borrow have to be paid stern . Is n't there a instrument you could borrow this amount from friends & family .It is solely 1,500 you want if you could find 6 poeple who could lend you 250 and maybe compensate them back plus the intrest they would return with if they left the money surrounded by a bank statement.
loan shark or credit card advance (at extremely high interest rate)
It's call a "hard money loan". Very large in interest -- ability you have discouraging credit. Hard to get, too.
mortgage on a credit card, pawn coup¨¦ title, pawn anything else you own.

Finance company will be your best bet, though.


How can ethnic group afford homes if the average income is 32,000 a year?


Question:
I mean a 180,000 home is approx 1500/mo, and someone making 32,000 get paid just about 2 grand/ mo after taxes.

Answers:
I grew up in a motel, afterwards moved to an apartment. We had trouble next to $500 a month with food and other bills, I don't know how individuals do it, but right now an apt. is a mansion to me.
By not buying a $180,000 home. You buy something more you can afford.

C-Man, you are right, and I am sorry. I live where on earth there are more affordable homes. I nanny for a couple who live surrounded by a $375,000 home, and mine is only $75,000.
Maybe somebody give them a large downpayment as a contribution? Maybe Mom or Grandparents? Of course, they could've saved but I bet alot of relatives are getting those ARM's where they reward interest only for first 5 years.

Year 6 principal kick in and the pay-out goes thru the roof.
Mortgage. You discharge what you can, and then you remuneration the rest by instalments. It can take over 10 years to discharge just the interest.
You're right- for lots of ethnic group, home ownership is out of reach lacking some form of help. It's much more difficult presently than it was 10 or 20 years ago.

Sparkles- you are aware that contained by many, several cities you can't even find ANY homes for under $200,000? And that within states where such houses might exist, in attendance may not be jobs? You can bring your chances on foreclosures and auctions, but that's not an leeway for everyone.
Ask your realtor about HUD repossesions. We newly bought one for thirty-five thousand dollars. It has five bedrooms, two baths, LR, DR, huge kitchen, stockade wall around yard and a six sports car garage. Also has brand hot windows, inner air and marine heater. It wants a little work, but for merely thirty-five thou, we can do that.

Try it and see!!
The average person can't afford the average home but they can combine next to a spouse if each make 32K they will have 64K and can qualify for the loan consequently they can get roommates, rent out the garage for storage or work a second position to get more money.
Or the individual could go ahead and earn more than average back buying a home. Average includes housewives students and retired people earn extra income so a young first home age party working full time should earn more than average.
Hmmm... The average also includes billionaires like Bill Gates and Warren Buffett, and multimillionaire corporate CEOs who inflate the average number. I chew over we should look at median income more than average. Most entry-level full time jobs I see advertise offer salary in the mid 20s, which is below average. Well, you did vote first home age person not first living person so I guess you're right.

With first-time home buyer programs (and as you would expect, a working spouse) it's doable if you've been working and good for 5-10 years. But I don't see incomes keeping up with prices at this rate. Maybe repos will be the answer.


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