Personal Finance Question and Answers

What is the total amount of individual assets owned by U. S. Citizens?

Question:What is the total amount of individual assets owned by U. S. Citizens?

Answers:
It's not a complete answer, but see Table 694 in the Stat Abs US, 2004.


Your fav discount coupons ....and?

Question:how do you get the coupon(s)? I will greatly appreciate your dear time.

Answers:
Depends on what type of coupon you are looking for: online, printable, grocery?

Online coupons:
http://www.couponheaven.com/

Printable coupons:
http://www.couponpages.com/
http://www.valpak.com
http://couponing.about.com/cs/aboutcouponing/a/printablecoupon.htm
http://www.shoppersresource.com/coupons.htm

Grocery coupons:
http://www.dailypress.com/shopping/coupons/dp-couponcenter-front,0,5133021.htmlstory
http://smartsource.com
http://couponing.around.com/od/groceryzone/

Some of the printable coupon sites require that you download their software, which isn't my favorite thing. I resembling the site that just show you where on earth to find the coupon so you can print it out.

Other Answers:
try this website "http://www.dealcatcher.com/"


can i database for collapse if my husband does not database beside me?

Question:my husband and i are seperayed and i nned to save my home i enjoy a sick child what can i do?

Answers:
Yes, you can file separately. If you are living within a household with your husband, his income will be included for determining whether you can folder chapter 7 or chapter 13 under the "Means Test". In Illinois, for example, a clan of 4 making $72,000 or less is presumed to be abuse the system if they file a chapter 7 unless their clan expenses don't allow them to pay $10,000 to creditors over 5 years or 25% to their creditors, if they could do so next to $6,000 over 5 years. Harsh standards.

Other Answers:
The laws for personal ruin were just this minute changed. Even if you file, the courts must considered your total household income including your spouse. (Thank the credit card companies, their lobbiest and congress.)


when do i receive a deferred cost from an auto loan such as well fargo?

Question:

Answers:
Banks will give you a 10 time grace period. But if they don't receive it, within their hands, on the 11th daylight, you'll get a past due payment.

Other Answers:
When you don't earnings on time.
the daytime you dont pay it well fargo dont play!


How much motor can I afford?

Question:I am in the open market for a new vehicle. I want to know what percentage of my monthly income should be in motion to the house.

Answers:
As per experts, you can afford a car beside monthly payment of 15% of your monthly after rates income. So if you are earning $100 per month after export tax then you can afford a motor with monthly transfer of funds of $15.

You can use a nice calculator at "http://www.bankrate.com/brm/auto-advisers/auto-afford.asp"

Other Answers:
it depends on how much you make and what species of other bills you have. i suggest a nissan because theyre a great coup¨¦


Does it issue if you draw from a expensive or cheap lotto ticket?

Question:

Answers:
Nah it only take a dollar to loose

Other Answers:
No.
only for the dosh pay out amount ie. a 1.00 ticket may pay cheque 1000.00 dollars and a 5.00 ticket may pay a 100,000.00 dollars, i.e. for course if you manage to crush the odds !
Depends on the card.
Lottery Drawing Basic $1 go up to 90mil minimum is 400k (1:72 to the sixth probability of winning)
Lottery Drawing Mega Millions $2 - $5 goes to 500 mil minimum 5 mil(1:100000000000000000000 probability of winning)
Scratch n Win card $1 - $50 do not bring, same chance of unbeaten on 50 dollar card as one dollar lotto cards, but pay lately over a mil.
For the big payoffs, the odds are so long, it shouldn't product any difference. One would hope that the two dollar ticket might offer more of the smaller payoffs.


I want to know who authorized a withdrawl ?

Question:ON 11/21/2005 A ATM WITHDRAWL WAS MADED BY SBC INTERNET SRVS (PBI)877 SBCDSL5 TX $9.95
BUT WE HAD ALREADY PAID THEM ON 11/16/2005 WITH OUR PHONE BILL THEY ARE COMBINED COSTS.

Answers:
I don't know?

Other Answers:
I have extensive experience contained by trying to resolve combined billing with the phone company. I enjoy filed over 17 complaints near the Public Service Commision in my state surrounded by regards to this issue. My best counsel to you is not to combine your billings of your various services. The supposed cost nest egg are not worth the time you will spend on the phone trying to correct "mistakes". You will also find that if you shop you internet access, cell phone and even your local service you will save more money. You will also avoid hours of hold time and months of frustration. With a bit research on the internet you will find that these combined billing plans are a farce and that the problem you described is all too adjectives.
Source(s):
Personal experience.


Is in attendance a dune surrounded by the Netherlands, call Post Bank of the Netherlands?

Question:The bank would work beside a financial institution called Skyline BV, contained by Amsterma.

Answers:
I've found some info for you,

Here's PostBank's official website, http://www.postbank.nl


"Postbank
The Postbank is also cut of the ING Group. The Postbank was formed by two former public institutions, whose aim it be to make rationalized payments traffic and saving possible for private those also. Even though this is remote past, the root means that even at this moment more than partly of the Dutch population holds a personal account near the Postbank.

This is partly the aim why the Postbank as a dominating share of the amount of national giro payment transactions, near simple but efficient service as its credo. This concept is surrounded by the ING context now also anyone exported to, amongst others, Canada and Germany. "
http://www.dutchpress.nl/geninfo/banks.html

Other Answers:
Yes


how can i brand name million dollars today?

Question:

Answers:
If you invest $14,600,000,000 in a money account that pays 2.5% annual interest, compounded on a daily basis, you will have earn $1,000,000 in interest contained by one day.
Alternatively, you could ask one million ethnic group for a dollar each, or 10 million ancestors for a dime each, or 100 million inhabitants for a penny each. Personally, I'd travel with the penny.

Other Answers:
Well, you start beside $999,999.
Not by posting q's on RunEye.coms.
set up new hottest printing press.
in your dreams
A big lottery win is your lone (legal) hope.
Your intelligence might land you million dollars within a day, when I reckon of this questions following things come to ming.

1. Get on "Who wishes to be millioniare" and win in a DAY.
2. Hook up next to a celebrity resembling Kevin hooked up with Britney and win million in a daytime
3. Steal million dollar from a bank
4. Dig up a ancient art within your backyard which is worth million dollar..

Cannot think of more but sure you can earn Million surrounded by a day.
Source(s):
Just thinking...


is it true that you can claim hindmost for charges taken by your wall?

Question:

Answers:
yes. it was on gm tv finishing week and there is a net site to help you but i dont know the pet name of it, sorry.

Other Answers:
nope I have worked surrounded by finance for years they are adjectives money grabbing feckers
THAT IS A VERY VAGUE QUESTION@!@!
what be the charges
NSF??
Monthly fees?
ATM Fees ??
Assisted transaction fees?? (Counter fees)
Yes it is true that you can claim back undue bank charges. Under UK canon it is illegal to charge fees that do not represent the actual cost to the charging jamboree. In other words if you are charged lb25.00 for going 50p overdrawn this can be construed as a 'penalty' charge, i.e it did not actually cost the wall lb25.00 and is therefore effectively bent. Refer to www.bankactiongroup.co.uk for further info.
Source(s):
I sued my bank and get the charges refunded.
no i never hear of that
You can claim back if the charges be improperly imposed or excessive.


What is the best website for Government Grants and loans for disabled or low income individuals?

Question:

Answers:
The Government has created a portal to sustain individuals who need benefits because of enthusiasm events. Visit http://www.govbenefits.gov

Use the drop down button
DO YOU NEED BENEFITS BECAUSE OF A LIFE EVENT?
Choose the life situation best applicable to you and later see if you qualify for the available government assistance.

Forget compromise money - there's hardly any money for individuals. Go to the Catalog of Federal Domestic Assistance (CFDA) and Grants.gov - these are two sites created by the federal elected representatives to provide transparency and information on grants. But you'd be tricky pressed to find any grant that would support individuals.

Most of the federal grant are given to specific target groups with specific requirements (e.g. minority business owners involved contained by transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program

Grants are also regularly given to non profit groups or organizations involved contained by training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs

Other Answers:
Try penetrating on G00GLE- FASFA or Pell Grants


I obligation a loan but I own fundamentally impossible credit and I dont want apayday loan I want something next to longer jargon?

Question:

Answers:
There's this guy named Tony down at the docks. He'll assist you out.

Other Answers:
Forget it.
How bad is your credit? Many relations say 'bad' and within fact in that are loans out there for them. How much and how long of vocabulary?


if dispatch an english check but write the amount surrounded by dllors can they brass it within?

Question:

Answers:
No.
The US is particularly desperate at managing transactions in anything save for dollars. The recipient at best will enjoy to pay a substantial fee, if their mound is able to cope beside it at all.

Get a wall draft made out for them in dollars. Any illustrious street bank within the UK will do this easily.

Other Answers:
no, it'll be see as invalid amount

Yes. You can write it surrounded by pounds or dollars. Banks do currency conversion. I believe yes, back within the old days, we used to write cheques contained by foreign countries, it was other in the local currency, consequently the banks would rip us of on the conversation rate, some things dont regulation!


Write the amount used by the originate bank--your bank (pounds). The delivery bank will automatically convert to the dollar (assuming it's within the US or related).

I am afraid not. Your cheques are in British pounds, the edge does not recognise any other currency other than that. I enjoy had like peas in a pod problem sending cheques to Australia that were refuse and in the US itself when I lived in that for a while. You can work out the conversion rate and send the amount within British pounds.
Source(s):
Been there, see it, tried it, failed

no




If I folder ruin can I still verbs to return with student loans to verbs my college instruction?

Question:I will not be including my current loans n the bankruptcy

Answers:
Have a look here.

Other Answers:
Yes, I did.

depends on what kind of arts school loans you're getting. if they are government loans that you catch based on call for, yes, you can still get them. if they are credit base, possibly not. If you file liquidation, I may be wrong, but I think your student loans will automatically be included. By file, you are saying within effect that you cannot afford to pay your debts. I'm not sure the regulation will allow you to add "except for these ones". Check near a lawyer.

A better choice would be to reorganize your debt next to your lenders and work out a plan for longer term repayment. If you do avow bankruptcy, it will follow you around forevermore, and will impact the loans & rates you are competent to get contained by the future.

Good luck... If I be you, and I'm glad I'm not, I think I would move about back to order school and steal a few budgeting/finance classes.




My 401k is 60% bread, Is this the right time to win into mutual funds or better to hang about it out?

Question:

Answers:
You have a drastically high concentration contained by cash. Don't move huge amounts into other investments adjectives at once - do dollar cost averaging. That way, you don't miss out completely on upswings, but you also won't see 20% of your money move about POOF in a single morning. As for bonds, wait for an added fed march, then buy bonds big time. As interest rates rise, bond investments decline in effectiveness, so just skulk until interest rates are at the top. That will happen surrounded by a couple of months.

Other Answers:
I am a financial advisor in Canada so since you live within the USA my advice may not concern but my suggestion is that 60% cash is probably too much. I would recommend seeing your broker and getting into some fair mutual funds.
How close are you to retirement? If retirement is several years out, you should ask yourself if you are willing to tolerate the volatility of investments contained by stocks/mutual funds in the essential term for the prospects of longer-term returns. For comparison purposes, I am 36, so retirement for me is several decades out. I enjoy 100% of my retirement savings surrounded by a diversified portfolio of mutual funds that invest in stocks. That may be too risky for some, but I'm okay beside it because I have some lolly and bond savings surrounded by my non-retirement account. I'd avoid trying to time your investmets within the market. Save your having a bet for Vegas.


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