Personal Finance Question and Answers

Which guard have the most ATM locations contained by San Francisco?

Question:

Answers:
Bank of America has great coverage.

Other Answers:
ridge of america

Without a doubt Bank of America ATM Providers LLC




What are the advantages to varying durable residence to Florida?

Question:Retiring to Florida....currently living in Maine

Answers:
Well, besides the weather, Florida have some of the best homestead laws within the country. If (more likely when) you are sued masses of your assets in Florida are protected from liquidation. This go far beyond just protecting your home and also applies if you database for bankruptcy contained by Florida. Please see my sources for much more information.

Other Answers:
You can get cheaper season pass at Disney.
Your home is shielded from lawsuits. Ask OJ why he moved to Florida to find Nicole's killers on the golf course.
You do not hold state income tax surrounded by Florida no sure about taxes within Maine.


Can someone put in the picture me how to earn more $$?

Question:

Answers:
cashcrate.com

Other Answers:
Get a job! Or another commission!
well selling crack worked for me. I bring up late, smack my ho around, capture her set up pimpin on the corner and then distribute my supply via my peep. try it you'll like it.
lol. try it near more work or work harder ?
also, a own business earns more moeny, later to work for other people. So if you want to sort serious money, you need to run your own business.
Gambling. There's casinos within almost every city now. It's a fun path to earn more money.
Get a degree. Get a Job. Rob a mound. Sell drugs. Pimp.
massconnections.com they do the stuff in grocery store and walmart kmart, etc., you work 5 hour shifts and usually bring $70/per event.......only downfally is it take like 3 weeks to carry a check, but is cool
Source(s):
me
PIMPIN ain't bad.....
Just loot a Bank you can enjoy lots and lots of .......................... .................................


Enjoy
I'd suggest furthering your education. Many companies today even proposition reimbursement for it. By furthering your education, you increase your expediency to the company and therefore, you become qualified for promotions and raise. (And even if that company doesn't recognize you, possibly another one will and give the the proper compensation.)

Also, if you be aware of you deserve more than you are making in your current position, consider speaking to your boss or supervisor but clear sure you approach them with a obedient case...enjoy all of your reasons/qualifications outlined clearly for them.
Get a great mission, save some money. When you catch your income tax start a small business.
Find out what job are in emergency in your nouns with monster, next apply for them. If you don't qualify for any of them, then it's time to capture some more credentials under your belt. Get more cultured, take doesn`t matter what job you can within the meantime, and be persistant.
Try network marketing and leverage on the pains of others. If you have kith and kin and friends, you can start promoting your business to them. My network business have mass appeal and it can be used by anyone who drives an automobile and is already being used within 90 countries worldwide. The company started in November 2005 and it is spreading express. Getting in on the ground plane is key to redsidual income down the road. Check out smoothdriving.myffi.biz and see if this will work for you. Goodluck.
buy lottery. jump into investment or rob a bank.
Network Marketing could be the answer. Look at my site www.dasek.mysynergy.network
How much are you making?
Sell your body if its worth something hehee .sry - joking


what is ebay ?

Question:

Answers:
An online auction and shopping site that allows individuals and small businesses to reach a national and international bazaar with their produce.

Other Answers:
a swap meet, but shopping online.

ppl flog and buy old stuff (or could be unsullied stuff) online.
its things that are used for sale
Online swapmeet that you can almost win anything and everything.
A waste of time and money if you're not vigilant! ;)
Source(s):
Personal experience - Buyer Beware!
If your selling on ebay there a great little tool that salehoo do. It`s on the whole for wholesalers though.
Source(s):
http://www.protry.com/ebay.htm
On online auction site that allows you to buy and sell stock to/from anyone, anywhere in the world. It's an excellent place to look for otherwise not easy to find items.


I necessitate to know roughly how much hose down, sewage, and junk bills are for a small apartment.?

Question:

Answers:
Talk to the apartment managers...they can give a hand a lot...appointment the utilitiy companies...they can give you rough estimates

Other Answers:
presumably you are on city hose; unless for some reason they are itemized, this should be one bill from the municipality, regardless of whether or not the building is multifamily. for the most division, landlords do not bill for this, as it is difficult to determine whose garbage is whose, sewer is merely a portion of incoming water, and hose meters for each component are sort of expensive to set. your best bet is to check with local utility; they should know how to take a guess and/or provide historical facts. a lot of times at hand is a flat fee for debris, water priced on a tier by thousands used. twenty bucks sounds nearly right.
usually 20 a month but in stlouis they bill you 3 months at a time surrounded by advance
In Texas, at lowest possible in the parts I am acquainted with, it is adjectives inclusive in your apartment rent.
phone each dept. and they will afford you an estimate


Can I choose my debit card PIN beside packages and characters instead of numbers?

Question:I know that a typical debit card PIN is designed with 4 digit codes for protective credentials. I'm not sure if it's possible to use other combination. Does any of you use a PIN with parcels and other special characters?

Answers:
no

Other Answers:
yes you can use letters because the numbers for pins are usually one and the same as the numbers on a telephone beside the letters for a phone above the numbers.

Well, yes and no - by definition the PIN is a number (Personal Identifcation NUMBER). That said, the only track my husband can remember his PIN is by the word it spells on a telephone keypad. No, you can't use the * and # key. Yes, the PIN pads are set up resembling telephones next to the letters on the key. However, it will have to be a 4 note word, LOL. Also, if you travel overseas, don't let the first number of your PIN be a not anything. Some ATMs overseas do not recognize a nought as a numerical place holder. I do not believe there are any special characters though.




I am contained by desperate requirement of a loan but own highly fruitless credit. Can anyone oblige me?

Question:I was a nurses aide and be making good money. Unfortunately, I get very sick and lost my opportunity. Now I am on the verge of have my car repossessed, my bills are trailing, and I am just just about ready to grant up on life. PLEASE HELP ME.

Answers:
Call my friend Gary Coleman at (800) Cash-Call. He'll put $10,000 within your checking account contained by less than 24 hours. Payments, just about $200.00 a month. Even a financially challenged being such as yourself can afford that! Make the call, capture the cash!

Other Answers:
sign up on welfare if you own to and try to get a personal loan from a friend or clan member.
Never spend what you don't hold. Credit cards are the opiate of the American masses. File for ruin, you're credit will be wiped out - but it looks resembling it already is.
Try www.lendingtree.com
I get e-mails adjectives the time from people trying to offer me loans and credit, I filed ruin at wit,s end and immediately everyone wants to bestow me a loan, you gotta do what you gotta do, I have raise 2 children by myself and got contained by debt
Don't give up on vivacity.

I don't know your situation but you need to start taking hasty action....

I reason a loan is the worst thing to do... it will simply put you in more debt....

First, if you hold good relationships next to anyone in your domestic, I'd call them and consent to them know that you need some assist...

Whether you do or don't have people, get out a phone book and start calling local agencies that can back with your problems. Usually look for non-profit agencies or even your city policy could direct you to the right people. Also, if you are a branch of a church, you may want to ask for help from them. If zilch else, they can help guide you to resources as in good health as give you some reassurance.

Call the agency you hold your car through and see if they can mute payments or have them on hold till you catch your life rear legs together.

Get back out near and look for jobs asap. Even if you enjoy to waitress.... If you are feeling better, you requirement to get put money on out into the work force. If you are too sick to work, definitly look into getting some sort of government assistance.

Call adjectives your utilities and notify them of your difficulties. They may not be able to relief but they may be able to extend your billing date or bear small payments etc....

You can pull through this!
move about to www.capitalone.com and apply for a loan. They work with adjectives sorts of credit.
Source(s):
experience....
Try Catholic Charities. They may be able to give a hand. There's one in every city. Good luck!
Let me uplift you my friend. Every life have ups and downs. That is natural. We enjoy to learn to get by the ups so that we can be better prepared for the downs. Here is what you can do: Contact your creditor (the car company). Let them know that you enjoy a temporary situation and that you enjoy a new opportunity (get one if you don't) and will be able to take-home pay beginning surrounded by 30 days. Ask them to defer the payment by putting it on the subsidise of the loan. In other words, they will extend your monthly payments by 2 to 3 months. You still own the money but you have a short reprieve. Then step to work! As a previous writer said, get as masses jobs as you inevitability in charge to make it ensue. Keep your word and start payments when you promised. Then never look back.
Source(s):
Free financial publications at www.maximfields.com
It really does nouns like ruin might be an option for you. If your credit is that fruitless and you're in that sort of debt, the last item you need is another loan that you can't pay cheque back at a ridiculous interest rate.

Bankruptcy have a very gloomy stigma, but it is intended to help society in situations similar to yours, who have simply gotten within over their head...usually through circumstances beyond their control. Bankruptcy will impart you time to pay past its sell-by date the debts without worrying something like everything being taken away from you because you verbs to try to play by somebody else's rules. It will make it difficult to borrow money for a while, but it's to be sure not the end of the world. I've particular plenty of people that bought a house and a sports car and had credit cards again smaller number than 5 years after a declared bankruptcy.

Look into it, seriously, as an substitute to consider. Don't let the stigma discourage you from doing what you hold to to protect yourself.
I suggest you to buy your next vehicle with your own dosh.

I suggest you to save partially your paycheck (when you are hired again) until you have save a month of salary so you can pay envelope the bills for a month even if you are unemployed.

I suggest you to initiate a HSA.

I also suggest you to buy disability insurance and health insurance.


Have you ever done something difficult or unpleasant to realize an earth-shattering aim?

Question:If so, what did you have to do that be unpleasant, what was the historic goal and what did you do afterwards? Do you bring to mind comparing yourself to anyone at the time?

Answers:
Sure. I had to do a presentation to my divisions regulation team to illustrate a problem next to an inventory valuation methodology that our division was using. The problem cause a $44,000 per month error to occur, by the time I uncovered it, it be a $2.5 million problem.

The unpleasant thing be that the Treasurer of the company is the one that came up next to the methodology. The goal be important because the P&Ls be wrong for about 3 years.

I did not compare myself to anyone -- I presented the facts. In the bring to a close, my job moved to South Caroline and I be black listed because of the black-eye that the Treasurer feel that I gave him.


What should I buy next to $1000.?

Question:I am a male pubescent.

Answers:
Ask your parents to invest it in money open market accounts like CDs or money marketplace funds so that when you want to buy a car, your $1000 today can worth more within the future.

Other Answers:
Open a Roth IRA~it is can sit in attendance until you retire or you can
use the money to pay qualify college costs, take out up to $10,000 for a first-time home purchase, buy vigour insurance while unemployed, or nick a series of substantially equal payments (based on life expectancy) for at most minuscule five years and until age 59 1/2.
At your age, you can start an aggressive growth fund which can make you a nice nest egg if you brand name contributions each year.
Source(s):
http://www.investopedia.com/terms/a/aggressivegrowthfund.asp
my friendship
buy a penny from me
A TV, Laptop, mp3 player or squirrel away it for college (parties) or something.
Peter, Love save it for something that you truly want. Don't waist it on something that will only be a waist of money and of little necessity to you now. That money can be used for a down compensation on a car or possibly something else later that will be of use to you for a long time. Think b4ubuy and you will come out ahead contained by the long run.
Go to the airport and hop a flight somewhere really random. Bring a camera and hold photos of your experiences. Chicks dig guys who are spontaneous. Take a friend even.
rescue it
If you have any bills pay envelope those first, then what is departed open a reserves account and do not touch unless you really involve it. You will be glad you did
A savings bond.
You are infantile, invest your money, if you can't do it on your own get a parent to friendly a custodial account for you. If you don't know much just about how to do it use the internet to learn. There hold been heaps times when I say to myself, "If I solely knew pay for then what I know very soon." About investing, when I was childlike, I would be in a much better place. Put your money to work as an member of staff. Use your money to make money. It's not tricky, it just take a good serving of want-to and adjectives sense.
Source(s):
The school of unyielding knocks. First mitt learning.
Are you still living at home and wanting to move out after buy things you will need to be on your own and not expect parents to do it for you.
what do you want the most? That is what I would buy beside a $1000. But make sure you won't be one of those general public who get super excited and can't loaf to get their heart desire only to articulate when they get out into the parking lot beside the sack still in their hand, I should of gotten ...........instead.
think this on through and shop and look and consequently try and then loaf a minute or two to really see what it is you are wanting in sincerity to your life. and if it adjectives fits great , it is a go!
I would put it away within an IRA...if not adjectives of it, at least some.
A present for me. I close to designer handbags.
Lots of people are gonna say aloud invest it, but that's no fun. You could buy a used car, a used motorcyle, (and the license of course) A new leather jacket, tons of brand new clothes.

Or (boring but sensible) buy some college text books.

You could other take your girl somewhere or buy her something nice.
I suggest you to friendly a Guardianship Account at TD Ameritrade and invest in the Stock Market near the help of a Financial Advisor.

You will necessitate some money to go to College.


where on earth to find financial assistance except getting child support?

Question:

Answers:
Go to your local DHS (Department of Human Services)

Other Answers:
go to the department of social services contained by you town/city. It may be listed near the county, not the city.
I reside outside of the United States. Most states have a statute that the husband or wife must pay child support to the the custody holder.

Go to your local Welfare Department, support them of your situation and they will track the person who is not paying child support via the Social Security #. And afterwards they will either salary or or go to put in prison. Payments made to you by welfare, will be paid hindmost by the person who is suppose to be paying child support.


How can I collect unclaimed funds "held contained by trust for an descendant to the estate of" my uncle?

Question:I received a letter from "Nationwide Asset Recovery Services" stating that they specialize surrounded by locating missing heirs and money. They stated that their research have disclosed unclaimed funds are being held contained by trust for an heir to the estate of my uncle, and they if they be to uncover the funds, I could collect 2/3 and they would maintain 1/3. I have the fear that if I knew how, I could access 100% of the money? Yet, I enjoy no idea where on earth these funds may be.

Answers:
This is a scam. Do not reply. If you really think that near are unclaimed funds available to you, contact the controller's office for the state that you live surrounded by. For example, if you live in New York State, the website is:
http://www.osc.state.ny.us/ouf/index.htm

Other Answers:
walk to local county

Just formulate sure it is not a SCAM letter. If they want money up front, next it is pribably a scam. Be careful ! administration information of estate is the hand of the senate unless you have proof your entitlement of estate, you must show your self and birth certificates that you are leginimate descendant of estate.Also must probate before you can claim.
Source(s):
adjectives estate must probate and all taxes must be rewarded in full surrounded by order to claim.The uncle must rewarded all dues if owing to the management must paid surrounded by full.


Search online surrounded by the state where your uncle lived. Look at the state's unclaimed property or escheated assets.

Sometimes local tv stations own a link on their website.


Prove to the county that you are his niece. First you will need to be capable of prove that you are the nephew or niece of the person. This will whip the form of Family records and you own Id and birth ticket. You will have to obtain in touch near the probate court in the county that you uncle lived surrounded by and they will be able to make clear to you if there be a will and how the trust was set up. You will have need of to the state and county records to know where on earth the trust is being held and it would be to your lead to consult a lawyer that handle trust to get the exact process.




What is the current 30 year fixed mortgage interest rate?

Question:

Answers:
It depends on several factors; above all your credit rating and how many "points" you can put down when you apply for the loan. I stop by bankrate.com when I want to research banking info.

Other Answers:
DEPENDS ON THE LENDER, YOUR CREDIT RATING ETC.
BUT ABOUT 7.4 The 30 yrs. fix prime rate within the market rightnow is 5.875%.It fluctuates everyday though.Bankrate.com does not furnish accurate rates.
Only people have the best credit and income have an access to prime rates.Those who are not have a perfect credit can also procure a fix 30 yrs. rate but it will be higher.If you want to know what you can gain please email me,I'll assist you. paestom@gmail.com

Hey friends,anybody is welcome to contact me for any comfort they need surrounded by their home mortgage.Thanks
Source(s):
I'm a loan officer.I work nationwide.


US Savings Bond?

Question:My bond was issues on 02-2006 and the calculator caid it wasn't up til 2036, thats 30 years its solitary for $50.00, is that right?

Answers:
that's about right. You buy a bond today for partially the value and provide it back to the command in 30 years for around $50.

My mom bought me ten Series EE $500 bonds at half price respectively in April 1993. So she salaried $250 for each $500 bond. The importance of each bond today is presently $440.80. So they are worth more than when she bought them. My bonds will mature contained by April 2023 and I will have to currency them in.

Other Answers:
Actually, unfortunatley, YES. Savings Bonds are not worth the dissertation they are printed on, and actually even once they become fully grown, if you cash them within, you will have pay envelope taxes on cashing them at the end of the year that you will be required to profile on your tax return, they will dispatch you a form in the communication to use for tax file purposes.
If the face worth of the bond is $50 then explicitly what you will get when it mature. Usually they mature contained by 7 years and then you would earn extra interest until 2036. After 2036 you will not earn anything.
You can find answers to all your US Savings Bonds question at my source.
Source(s):
http://www.treasurydirect.gov
The cost of the bond was $25.00. After six months, the bond can be cashed surrounded by and you can get $25.00. Like one of the other poster said, it usually pocket a bond 7 years to mature. 30 years is the maximum time you can set out the bond as a bond and not cash it within. After 30 years, it is not earning anything.


How can i grasp alot of money from internet ??

Question:

Answers:
E-Bay can be a good track to go but you're going to hold alot of competition from retailers. E-Bay is a good place for retailers to take rid of their unwanted stock of merchandise. If you want to make E-Bay your #1 place to do business, you want merchandise that is to say unusual and hard to find, otherwise probability are, retailers are already going to have it up and nominated for a very low price. Look around at courtyard sales and at your local Humane Society if they run sour of donations. Rich people love to donate to the Humane Society. Warning ! Do not shift for dropshipping methods when trying to find products to sell. They can glibly make your E-Bay rating travel down hill due to behind shipment or out of stock products. You always return with the blame and not the dropshipper. A good portion of them are middle men anyways are not other good at offering just prices to try and do re-sales.

Other Answers:
EBAY


I entail gas money and own some jewelry to put up. How do I do that--what do I say-so? What should I expect?

Question:I have opals/diamonds/emralds/pearls. All are set within different rings and the pearls are strung. What do I say to the place as collateral brokers? I have never done this previously.

Answers:
Oh, God, that just sucks that you hold to go to a wager shop to buy gas. They will not give you massively much on the jewelry. Can you do some sort of odd job instead to earn cash? check out www.craigslist.org for your locale and check the "etc" charge listings. They often enjoy one time gigs like perchance working a day helping to cater a nuptial or a weekend helping someone move and you might be better off getting currency from that. Good luck!

Other Answers:
Sell em to a pawn shoppe.
Do not expect to return with very much money.. I did that within the past and completly regret it.. didnt even go and get back 10% as compared to purchase prive.. but every wager broker is different and every city is different.
unless you find a shop i a real crappy neighborhood you should expect a hassle.
where on earth did you get them etc?I don`t know even "hello officer"
Be very measured!! These people are usually legal theives...they'll rob you blind, you should take someone who know what's going on with you when you do this....otherwise you'll lose your stock, and not get the money you deserve. When you forfeit an item, it's basically a loan for 30 -90 days, as long as you verbs to pay the interest on the loan they cannot go it, but if you fail to income on it -- you lose it!! You should find a reputable pawn broker first, don't simply take it anywhere....GOOD LUCK!!
You really don't want to say anything. When you be in motion to the pawn shop merely present the items you want pawned. Then they'll pass you price of how much they'll give you. You can any take that amount, try to negoitiate further or take off and go to another flunky shop until you find a better price for your items.
Perhaps you should sell the jewelry on ebay instead of pawn it. Might bring in much more.

After you've sold the jewelry, where on earth will the next gas money come from?

You want multiple sources of income so this won't happen again. You could be wondering which sports sports car to go out and buy (with change, not on a loan!) instead of worrying about gas for it. There is no purpose for you to be this hard up.

Start by joining an affiliate program on the internet. You won't cause a ton of money right away. It will take time, but soon you will be getting a small paycheck, and soon after than, you will see it start off to grow. Before you know it, it will be paying your bills, and you will be buying jewelry instead of selling it.

Just be careful, though, nearby are a lot of programs on the internet that basically want to take your money, and plentifully of others that are a waste of time. Try the ones below. They are adjectives legit, and I personally capture a paycheck each month from most of them.

Here's to your nouns!

Debbie
Source(s):
http://www.ExponentialProfit.com
If you only entail gas money, take individual one item of jewelry to your local pawn broker. They will loan you money on the item (pennies on the dollar). You will enjoy approximately 90 days to pay them rear with interest (always ask how much the interest is) or after the specified holding time they will place your jewelry for public sale in their shop.
Source(s):
Experience
We be so bad sour that we needed money and it got to the point where on earth we were going to deal in my wedding set. Now my center stone is a Sapphire and it is of the matchless quality and it is set near four diamonds in white gold ingots.
When we went to the tool shop to sell the set adjectives they would give me is 80 to 100 dollars and we spent 8,000 on the set.
Tell you something more or less the retail value of jewelry.
Pawn shop said the merely thing that be of value to them be the gold and near really was not allot of it.
I am kinda glad that we could not trade it because it is my wedding set but we really could enjoy used the money.

good luck.

the red cross will wage for donations
You go to a put up shop, and tell them you want to place as collateral your jewelry. They won't give you fundamental what it's worth. They will ask for photo I.D. (i.e driver's license) and probably take a thumb print to fashion sure the jewlery's not stolen. Hang on to the pawn ticket. You'll enjoy, usually, 30 days to redeem your item (the amount you borrowed, plus intrest). If you don't have the together amount, you can usually just pay packet the interest, and that will give you another 30 days. In view, you could just foot the interest for the rest of your life if you considered necessary too and not loose your item. If you don't pay it rotten by the due date, the pawn shop get it. Of course, even then, you might be capable of buy it back once it go on sale, provided not a soul else buys it first.
There are places that will give payday loans if you don't want to forfeit your jewelry, but the intrerst rate is high.

If you're within need of assitance, this website: http://usminc.org/links.html
have many adjectives phone numbers and links for getting out of debt and much more.

Good luck and God Bless.
Source(s):
http://usminc.org/links.html
I would do some research first, by either shopping contained by pawn shops and seeing what items resembling yours are selling for or by checking online. There's the website http://www.pawnshops.net/ where you can shop through physical pawn shops.

There's also the choice of selling on ebay.com or other online auction sites. Sometimes this may whip awhile though. But ebay is nice if you have a minimum amount to trade it for because it lets you set a minimum bid for items. It's also a worthy place to research what people are feeling like to pay for items resembling yours.

so basically research or ebay.
Source(s):
http://www.pawnshops.net/
www.ebay.com
I would travel to a check cashing place before I would puppet anything. The rings, if they are gold...they will one and only give you what the gold ingots is worth by weight, and pearls, they could thinking less around. Diamonds, gems, etc...are nothing to them, solitary the gold substance matters, which channel you could have a ring you remunerated $1000 for, but when they weigh it, they may give you $200, if you are lucky. Seriously, I would not tool my jewelry, maybe a DVD player or VCR, or GO to a check cashing place.
never never wager anything that you can't live without because the accident that you won't get it wager on out of the pawn shop is great!so if you want to provide the item to the pawn shop they will provide you more money to buy it than to make a loan from them beside hopes of one day paying past its sell-by date the loan to get your jewelry hindmost..besides...for gas!!it will be crazy because tomorrow you'll need to lackey something else for more gas !it never ends..just borrow 20 from your parents or a friend..
Just hike in and furnish them to the pawnbrokers and they will tell you how much it's worth.
Pawn brokers usually bestow about 10% of the effectiveness they estimate, so ask as many of them as you can. Just utter, I have some jewls here, how much are you offering? If they suspect the merchandise are not legitimate they will contribute you 5%, or may inform the police.

But I advise you not to turn to them unless you are literally staving. Have you tried getting a better paid chore, or a second lob at weekends etc, or welfare, or some suitable charity?
well, first of adjectives, so you don't have to pledge what sounds like exquisite jewelry, i would work on getting rid of some things you absolutely don't call for, such as internet, do you shop a lot, out to devour a lot, spend money on frivolous things? if yes to any of these, stop doing those and you would own lots of money, you would be surprised. as far as what to say at a wager shop, make sure you know the attraction of the jewelry before you step, they may try to rip you off. only just simply say to them, i enjoy this jewelry, what can i get for it?
Source(s):
experience next to finances, i am good next to finances, and as far as the pawn stuff go....i have a dad and a brother that do closely of pawning.


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