Personal Finance Question and Answers

Do you own to pay packet delayed charges if you never received bill or phone give the name?


Question:


Answers:
Yes, you do, but if you are able to communicate economically to the company that you actually didn't find it, and you have never be late until that time, they are usually willing to waive the fees.
yes ! most places will still charge you a slowly fee.
Yes, you should know when your bills are due and embezzle action yourself.
I honestly didn't return with a bill one time and when I told this to the customer service rep., she looked at my history of being an on the dot customer and waived the charge.
However, I think they can singular waive fees like that for ethnic group once every six months or year. And if you have a history of going over your credit strip or making late payments, they may not want to bend the rules for you.
This is why it is so major to keep a fitting relationship w/ your creditors by paying when you're supposed to and using your credit responcibly. So when things like never reception the bill happens (and it does happen), you won't be held liable.
Best wishes!
yes...however you can contest it next to a little politeness and perchance get it wave..especially if your a long time good customer/client
yes, if the money is late, you do. The company will assume that regardless of whether or not you received the bill, you should know that the bill is due alike time every month.


Wouldn't it suck to hold the designation Rich and be completely broke?


Question:
I mean, adjectives those Riches out there get alot to live up to.

Answers:
It sucks to be broke no matter what your baptize is.
Imagine the pressure put on girls named Chastity.
How are you doing Rich?


I get scam by a ebay retailer, how should I carry my $ vertebrae?


Question:
I recently simply purchase an airline voucher from this ebay buyer "steuart " , since ebay has a policy that they can with the sole purpose sell 2 voucher per month, so I made an hold out to a buyer (private auction, since I don't have any ebay item #) and we agree to settle up through paypal, and he say he will now email all the info such as voucher # etc to me, so i can book asap. But I never receive any email from him, and I try email him so tons times, but no respond, since it was a private concordat, ebay can't do anything about it, I approachable a case next to paypal, but I was newly wondering if there is any randomness i can get my $ bak, and also if any of you know this ebay retailer? Thanks!

Answers:
You wont get anywhere next to Ebay, but you may just own a case beside PayPal. PayPal is a payment service, and it is used for tons other business transactions other than Ebay. Pursue your armour with them, it is your best hope of getting your $$ rear. Be sure you list FRAUD as the pretext for the chargeback. They can freeze his account and procure the $$ back to you..
If you rewarded with a credit card thru paypal contest it
within is a place in ebay, that you can complain on this issue, also complain to paypal
It wouldn't hurt to contest it through Paypal, but I'm sorry to update you--you're probably facing an uphill battle. eBay tries to filter emails and prevent citizens from making private offers, for reason like this, and because they want to generate their money through the auctions.

I was bidding on a Playstation 3 a few weeks ago, and I get several email offers to do an "offline" transaction approaching this. I didn't do it though, because I was afraid that this giving of thing would transpire to me too.

Keep in mind that eBay have policies against this type of activity, and Paypal is owned by eBay.

I'd try to be at odds it if I were you, but I'd expect to not carry the voucher or your money back at this point.
I merely got scammed too! I bought a bed from a reputable Power Seller and be told it would be 60 - 90 days to receive because it was custom made. Got a acceptance, e-mails regarding shipping, etc... Paypal, Debit Cards, and E-bay will singular protect you for 45 days. I'm out of luck, and according to the police this guy took off after years of pious business with so far over 150K from 22 family with 150 more that haven't file their claim yet. We are adjectives out of luck. Go through paypal if it has be less than 45 days, and you enjoy all your backup. That is your best bet, or your wall
Ebay has their own dispute resolution process. You may resembling many things hold to do this before you ever dance to court and otherwise. Otherwise you may be barred from doing so. Though respectively situation differs and so do the laws. Speak beside ebay, they are a reputable place and will do what they can to help. Scammers are bums. And I apologize for your inconvenience.
can't you report it to the person in charge of ebay
it may sound stupid


Is $200-230 per week moral plenty?


Question:
Well im working for a walk-in medical clinic, file put-in stuff and imputting up to date patients on the computer. so basically the full day i a short time ago walk around, doing pretty much zilch. Just sit on the computer the whole afternoon. the negative side is i cant use the internet make happen the administrator has access on it, but i could use some other computer that have access on the internet. LoL And i get salaried per week on friday's. and plus working on Saturdays for cleaning up unused files and get rewarded under the table after that, on that extraordinarily day on Saturday. Is $200-230 dutiful enough? comment please.

Answers:
You influence you basically do "pretty much nothing" the adjectives day but waddle around...you are 18 and in college...several students that age don't make more than, perchance, $180 a week and some of those jobs require much harder work than what you own described. Of course, it also would depend on the state in which you live.

Is it virtuous enough? C'mon...do you *really* hold to ask?
is this like a full-time mission cos you say you're contained by college, so i gather that you're a proletarian staff there. $200 per wk is apt enough.

have to study and work at the same time, i just used to get around $130 per wk (one job). That is totally miserable when i am paying for the go together of my tuition fees (after obtaining a study loan) and i pay cheque for my own stuff like books etc. No $ from my parents while studying. So i have to do two jobs to survive!

this amt is okay if your parents are also shouldering some of your expenses.
If you are working 40 hours a week, afterwards this is minimum wage. Check around, you can make better elsewhere. However, you will probably hold to work harder.

Waitstaff can easily bring within more than minimum wage. I remember when I was surrounded by college and I delivered pizza and build much better than minimum wage even after I paid for gas.


What question would you ask a Christian millionaire?


Question:
Let's say you hold the opportunity to have a one-on-one conversation for 25 minutes near a Christian millionaire worth $10M - to ask anything you wanted to know - what question would you want answered?

Answers:
hi, i would ask if you love Christ as a Christian would you give adjectives your money away to live an eternal life beside the Lord? or how much would you be will to give up for the honor and glory of God and his monarchy? or would you be will to give 90% and live rotten 10%? or do you worship your money more than the Lord and savior Jesus Christ? or were you poor past you recieved Christ in your go? or did you recieve your blessng after receiving Christ? i could a short time ago go on and on and on. this is a obedient question.
i really approaching this question although i'm not sure what i would ask... freshly because someone says they are christian doesn't necessarily parsimonious they follow christ.. i guess if they were this self proclaimed do-gooder i'd ask what charities they've donated to and if they ahve a huge house and deeply of expensive stuff, i'd ask why they feel it's required.
What type of do-gooding they do, donations, volunteering, etc, basically if they practice what they preach.
how did you do it, please no proposal answer like god be on my side or god showed me the light, blah blah blah, god didnt do anything for you, you did adjectives the work so what did you do and then reason why they wanted to be rich.
In the Bible it say "It is easier for a camel to go through the eye of a plunger, than for a rich man to enter into the kingdom of God." Being a christian millionaire, what do you chew over about that?
Certainly zilch different than I'd ask a Jewish millionaire, a moslem millionaire, etc.

Having "faith" is a good piece. Thinking god is on your side and helps you go and get rich.... I don't think so. God's livelihood is not to be on your side. Your job is to be on God's side.


What exactly is the 500 dollar deduction entity from PayPal?


Question:
And what is it all around?
Is it something to be trusted?
Do I get the money?

Answers:
Is this anything to do near the PP credit card?? I'd go read Paypals site to check it out, doesn`t matter what it is!
I dont know about any $500 "thing" from them, but if someone sent you something unfolding you to withdraw that amount, you better check the address and check near paypal. It could be a scam. If they are telling you that for a paypal credit card, afterwards i think thats ok. You really entail to be a little more specific. Maake sure any connection is always secred and the address is the public servant paypal site. Just because the page looks"like" the official repay pal site doesnt other mean it is check the addy!


How can I grasp a personal loan or someone to invest surrounded by my start-up business overseas?


Question:
I am currently in the military and I achieve out in the middle of December. I am currently surrounded by the middle of starting up a Day Spa (Beauty Spa) for females (in Bahrain) and I have already invested in the order of 85K in loans into the business. I enjoy nearly excellent credit (which is why I got the loans) which I own maintained for in the region of 14 years. Now, about seven weeks from passage, I foresee a shortage of just about 30K. I have search everywhere for another loan, to include the new Patriot Express Business Loan for the military, but, they will not loan for a business overseas. Also, the number of loans on my Credit Report doesn't label it a great idea to apply for another one. In the first month, my projected revenue is 15K. This total will double itself over the subsequent three months, which is why I know that someone either investing within my business, or granting me a loan, will receive back their loan contained by a short period, or their investment will be a positive one. Email or rspond w/answer. Thanks.

Answers:
As soon as I attain the $50,000 from Mr. Sanjae Gubageghandor in Nigeria as payoff for the money I loaned him to get the former Nigerian President's millions of dollars out of storage, I will transport the money to you as a gift... a short time ago keep it... I own tons more where it come from.
Maybe you should offer the 30% partnership to some body local, perchance some body who planning to work there. If not try to apply for few credit cards, next to low interest rate, www.creditcard.com. Then call credit card and ask them for checks, afterwards use this checks, this is better and cheaper then brass advence. Good Luck! And come home save.
Oh is that adjectives you need?

What is your mound account number?

I will telecommunication you the money tomorrow morning.
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Getn a check from american tribe casino?


Question:
im getn a check from my tribes casino back contained by america and wondered if loyds will make a big operation in cashing it,how long will they hold on to it in the ridge before it clears.

Answers:
I assume that this cheque is for a US Dollar ammount and drawn on a US edge and that you are trying to cash this surrounded by the UK.

Do you have an story at Lloyds to pay it contained by to?

Normally banking cheques drawn on a foreign hill or in a foreign currency presents problems and involves significant extra cost.

I hold always used electronic verbs to get funds from US mound to UK bank. Ask if your tribe can do this.
Other alternatives are travellers cheques or telecommunication transfer such as Western Union.
After six months...not valid
usually 10 days to 2 weeks.


I owe $5000 due at the conclude of 3 years and $3000 due at the cease of 7 years?


Question:
I owe $5000 due at the end of 3 years and $3000 due at the wrap up of 7 years?
i am allowed to replace these obligations by a single reward at the end of 5 years. if money is worth 4.5%, what is the total amount to be rewarded by me at the end of 5 years using the call a halt of 5 years as the focal/comparison date.
please help me multiply this, i dont know if what im doing is correct.
what is your solution?

Answers:
do your own homework




Car Finance?


Question:
Problem -a car salesperson offers you a choice of 0% financing for 60 months or $2500 change back on a unmarked car. You enjoy a pre-approved 60 month loan you can use from your credit union at 4% interest rate. If the monthly payments ar 0% are $16.67 per $1000 financed, and the monthly payments at 4% are $18.41 per $1000 financed, what is the span of new saloon prices for which the cash support option will cost you smaller amount?

Answers:
taking the cash vertebrae and financing at 4% is the only choice you should take. Apply the 2500$ to the price of the coup¨¦, and lower the principal amount financed.

It really doesnt matter more or less the price of the car, until you carry about $40K.

The 60 months financing is a ripoff. You will ALWAYS hold negative equity contained by the car unless you made a HUGE down clearance.. Go for your credit union's deal. You own already thought this through, and your hunch that the credit union be the better of the 2 options be a correct one. Follow your gut...
If you pay change for the car, it will cost you exactly $0 contained by finance charges.
Without in truth doing the math, I believe you'd be looking at car prices around $20,000 or smaller quantity. I can tell you that taking the $2,500 currency back is your best bet. Over 60 months, you will not compensate $2,500 in interest on the loan, even next to an interest rate of 4% - which is awesome, btw. I had no hypothesis you could get rates that low right immediately.


Any ideas/suggestions on in your favour money?


Question:
I've been a stay-at-home mom for four years, and we hold another little one on the way. My husband works as various hours as he can, we don't take household vacations, hang on to debt to a minimum and rarely splurge. I'm at a loss on how else to cut wager on. Anyone have an conception that works for them?

Answers:
i would immediately quit buying groceries. they siimply cost too much. and instead of buying gasoline, i would lift up my own corn and make my own gasagojuice. that should put aside about $2,000 a month if you munch through as much as me. but i am a big old boy : )
Find a credit card that offer a rewards program that you can use. such as cash wager on or one that offers discounts on gas. next use that card for all of your purchases including paying bills. Just form sure you pay it sour every month so you dont get charged any intrest and you should discern some nice savings on gas or what ever reward program you choose.
Its pretty simple. Jus hold aside a little money (say 10%) of the total monthly income contained by a small box or cupboard under lock-n-key. Give that push button to sum1 trust-worthy other than ur husband or yourself. N put in the picture that person not to pass u that key no business what. You should be given the key just once every month to deposit the savings. You can even do equal with a Short Deposit Bank Account.
If u hold on to at it for a year, you will be astonished at the amount u save!
Have your employer direct-deposit a portion of your paycheck into a seperate stash account. If you never see it, it's much easier to recover.
hi u invest to insurance investment plan its best safe and surety then multible ur money pop in here get full info
I infer you are in the position, 4 yrs fund where I be.
Wait patiently, the way will be born to solve adjectives the problems.
cut all unwanted purchases and shoppings. don't goto hotels.
buy provisions from the shop where on earth they are offering the lowest prices like subhiksha.
reward off the debts as much you can settle.
classify the debts and sort them on the higher interest rates.
and try to close the highly developed interest first, this will save some more money.
do not take any credit card or borrow at higher rates.
flog of all the ornaments if any and pay bad the debts.
After some time of these excersises, you will start feeling comfortable.
believe within god and not in astrology (don't spend on astrologers)
I aspiration from my heart for a speed recovery for your kinfolk
do not do any business which requires investment.,
Take agency of insurance companies,chit companies etc and you will get commissions if you do otherwise no loss.


obedient luck
pnkmurthy@yahoo.com
Tips for saving money:
1. Understand ur income and expenses. maintain a written record of ur expenses. review it at the extension of each month. look at expenses that u could own avoided. In future avoid such expenses.
2. Look at ur lifestyle behaviour. if u go to a multipex every week and spend money, cut down on number of visit and try to find activities that cost slighter money and which r more adventurous.
3. keep a tab on ur mobile bill. select a plan that works out cheapest for ur profile of usage.
4. Get into a SIP into a mutual fund which ensure discipline as far as saving is concerned. There is a method contained by which money directly goes from the mound into the investment on a specific date every month.
5. If u have a credit card consequently cut it into 2 pieces as u should not fall into the craving of using it. Keep a Debit Card handy, but aviod using it indiscriminately. Try to use cash for transactions as much as possible.

This is V Sridhar here a Specialist within Financial Planning.
Get a part time opportunity to increase your household income.
well you could approachable a savings a count at the mound or you can put money in a jar..
Pay yourself approaching you do your bills. Check out http://www.helium.com/tm/456815/articles... to see what I mean


When should you borrow money?


Question:
I mean when you want how much? when it takes you 3 months to earnings it off lacking borrowing? 6? 9? 12? What is considered urgent? buying a house? a car? a medical operation?

Answers:
Only if you'll meander up ahead of where you would hold been have you not borrowed the money.

Buying a house is a good investment. You will entwine up ahead, if you can afford the house you are buying, and borrow at a market rate, for a 30 year fixed rate mortgage.

Your lessons can be a good investment. If you are sure you can net more money after borrowing for your education than earlier, and you don't borrow too much, you should invest in yourself. Don't borrow more than you can realistically expect your per annum salary to be your first year our of college.

And I suppose that person in debt for medical bills is ahead of one dead. But you should plan ahead, and enjoy health insurance, so you do not encounter this situation.

I can't reckon of another good investment that you enjoy to borrow for. A car most without a doubt does not qualify. It is a consumable item, not an investment. And it's a money loser. Your car will be worth smaller amount than you owe on it the second you buy it, if you borrow to buy a car.
Only borrow on description of things such as a home,
and if necessary a house. The home is one of the
FEW things within life whose appeal doesnt depreciate
with time. Cars turn down 15%, and if you borrow with
interest (which is around that anyway) youre going
to burry yourself within debt. Only borrow as much as
you KNOW you can pay wager on within a short timeframe.
Never wing it because severance, extra expenses,
and emergencies develop.
Borrow money when you need something resembling surgery you don't have a choice to hang about for. Buying a house when you can afford the payment for not much more than rent and a saloon when you get a better interest rate than you attain on savings or when you generate more by being competent to get to work that the payments cost. I wouldn't borrow any money I didn't have need of to except a credit card amount I was planning to spend anyhow so will discharge when the bill is posted.
Only borrow money if it makes you money.Otherwise collect up for what you need or want.Borrowed money you turn you eared dollar into 60 cents by the time you are done paying.Saved money you probably turn you earn dollar into$1.25 And Never borrow money to create a tax write-off you may have need of to spend $1000,--To save $300,--on income-tax
These culture feel the enjoy a true reason to borrow money.
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Lost money on ebay?


Question:
well i purchase a sidekick 3 stale ebay its been over a month. i contacted paypal and won the dispute .but i enjoy not received any money . i asked paypal why i wasnt coverd for the buyers protecton on this , they said that i didnt use the pay presently button on ebay . i had transferred the money to her article but put on the transaction that it was for a sidekick 3 . till this morning nothing paypal said too fruitless for me . im not finished . around the same time that i purchased her phone i purchased another sidekick 3 dwade edition. for 330.00 dollars . all right the same article happen simply i used the pay very soon button on ebay and paid via paypal ,so i thought im covered surrounded by case something should jump wrong . never received the item and i won this dispute also . but guess what . paypal said i was solely eligable to get 200 dollars because thats adjectives the seller be coverd for. so i lost an additional 130 dollars . which brings me to a total loss of 360 dollars . economically im not finished just not long i purchased

Answers:
When you use PayPal, you have to follow the rules to the missive or you may not be covered by the buyer's protection program. There are plenty of scammers out there that know adjectives the rules and how to abuse them to rip relatives off.

Before you brand any eBay purchases with PayPal, you entail to check the amount of buyer protection coverage that is person offered. It is stated under the seller's feedback. Depending on seller's side status, you may get $2,000, $200 or $0 protection. Make sure your purchase price will be covered.

On your first purchase, it appears that you freshly sent money to the seller directly. This type of transaction of not eligible for buyer protection. There really isn't much you can do almost it.

On your second purchase, PayPal honored the buyer protection, but your purchase price exceeded the protection amount. There is not much you can do about that any.

It is interesting to note as a salesperson, PayPal will take the entire amount out of your article, but they only repayment $200 to the buyer. I haven't noticed this in the past and it doesn't seem right.

In the adjectives, always fund your purchases next to a credit card, even if there are funds available surrounded by your PayPal account. It give you one more procession of defense against fraud.

I'm sorry to hear to had so copious problems on eBay. Your message got cut past its sell-by date about the third item. Take a look at my website for some adjectives tips. I have greatly of information about eBay fraud and tips for buyers - http://www.newlifeauctions.com

I hope you can find a passageway to get your money subsidise.
Bill
When your registered for a Paypal account, you have to enter a credit/debit card. You are protected against fraud via your cards fraud protection through your bank. As long as you file a complaint with Paypal and it is documented, your ridge is entitled to reimburse you funds lost. At least they did at Bank of America and National City Banks. Do not gamble away your time fighting next to Paypal. THey are now owned by Ebay and you will bring back nowhere. Go directly to the banks after file the initial complaint.
samual_adams misunderstands both PayPal and credit card protections. I have a PayPal reason that has NEVER be linked to a credit card. Even if it be, the item WAS NOT purchased with the credit card. It be purchased with funds from the PayPal vindication, even if PayPal charged the card to fund the account. Your dispute is not next to the card, PayPal, or E-bay. It is with the peddler.


I want to vend my stuff on ebay and i cant product an tale because i enjoy no credict card?


Question:
and i dunt wanna pay to ship it to them

Answers:
Well it doesn't nouns like you are adjectives that serious; and the BUYER pays the shipping.

If you are serious, check the phone book; lots of local companies offer an "on ramP" public sale for E-bay for people next to no accounts; they sell it for you
paypal and you charge the customer for shipping append it in the bill you may own to fork out intially but you get it pay for
get a prepaid card.
hey you should try and get rid of your stuff at zeusbay.com its free classifieds. you can accept paypal and more. upload free metaphors of your products and best of all its free. i own a few things up for sell in attendance and i highly reccommend you try it. it have all the features of the bigger sites beside no fees. its very assured to use and user friendly. they allow you to advertise your ebay stores and ebay auctions and even your websites.


What if I deposited or recieved money erroneosly surrounded by a guard reason? What obligation are at hand?


Question:
Suppose I made a typo in the explanation number when making a bank deposit. Does the party que recieved my deposit have to furnish the money back? Will the ridge automatically return the money to me if I explain the situation?

Answers:
You should definitely hail as your bank's customer service and tell them the mistake. The soul who's account the money really go to has NO right to preserve the money because if they argued it they would have to prove that it be their deposit to keep which it wouldnt be. The mound will then research it and return the money to the correct story.
The first thing you should do is find the delivery for the transaction. You should notice on nearby if the account number is incorrect. I really hope you enjoy the receipt because if you don't it's going to be difficult to seize your money back if you don't know where on earth the money was put. At the Credit Union I work at, adjectives you have to shift against is what the person claims. They may enjoy to go thru surveillance footage to verify that you made a deposit. Just write down everything you can remember because that will oblige them find your money. Be patient, I'm sure they'll find it.
Usually, bank are pretty honest with their transactions. They will write you and share you about the error. They will any credit or debit your account depending on the situation.


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