current/former employer have closed shop and is not paying me my concluding compensate check i be rotten book's what do i do?
Question:ive been working for a deli surrounded by my town for a few months when on pay daytime i arrived at my usual time to open and not a soul was nearby there have been no answer on any his house phone or his cell he has one-time to contact me or return to the deli since, i am concerend he is going to stiff me and the others who worked for him but mostly im concerend about my self person that he owes me least, does any body hold any ideas on what might engineer this man pay up.... i go to his house although his car be in the drive his wife open the door pushed threw me explaining she was behind schedule to work and mike my "boss" would call latter..... any help greatly apretiatedAnswers:
past its sell-by date books..hmmm. if he went cleaned out...hmmmm. the sitch does not look good...but, if i be you i would call the State and complain to the State Department of Human rights.
Other Answers:
If I'm explanation "i was sour book's" to mean that your payroll be not accounted for, then you're probably safest within walking away from the situation and considering it a lesson learned. As jarring as that sounds, the results of dropping the matter and moving on are probably much better for you contained by the long run than the legal trouble you could create for yourself by trying to collect on your second paycheck.
http://loans.mamayek.com/cash.html
Source(s):
http://loans.mamayek.com/cash.html
How To Protect a House From Medicare / Nursing Home?
Question:What can be done in mortgage to prevent a nursing home from one day taking a person's house?My widowed mother may enter a nursing home sometime in the next handful of years. She does not own a very generous estate. And, because my siblings have thoroughly very little comfortable circumstances, my mother does not want to see a nursing home one day "take" the house and market it. What can we do to protect my mother's house from a nursing home?
Answers:
There is now a 5 year look rear period lower than Federal Medicaid rules. The reason they lengthened the look-back length is because too many general public were giving away their assets until that time entering a nursing home.
It is not the nursing home that takes a person's house, it is the establishment that gets the proceeds contained by exchange for paying the nursing home bill.
Other Answers:
If she transfers it in your signature & doesn't go into a nursing home for 3 years, you're ok. They do a 3 year look rear legs. Also, if you live with her and can prove it be your primary residence and you were her caregiver full-time (a register from her doctor helps) you may be able to save it.
Easiest method is to place it in a irrevocable home foundation (there are also tax benefits here) at most minuscule 7 years prior to any nursing home or medicare service. The thing to know nearly Medicare is that this program is insurance for acute illnesses. This means that if one is enrol in Medicare Parts A and Part B, bills pertaining to procedures that are deem "medically necessary" will be paid for.
Medicare is premium-based and while it is possible that you and your mother may be concerned just about the expenses of a long hospitalization, I am guessing that what you are concerned about is "asset protection" from Medicaid.
"Many--and I do aim a whole lot of individuals I know-- get Medicare confused beside Medicaid. Medicaid is a health insurance program for the poor or "medically indigent." Medicaid is with the sole purpose available to folks who meet stringent financial guidelines. If one qualify for Medicaid--and folks at the state level determine this--then costs of the nursing home stay will be salaried. Of course, someone pays this cost, because nursing homes have to compensate their bills. And that "someone" is you and me--taxpayers!
The costs for nursing home stays are shared by the state government and by the federal command. What happens after someone is eligible for Medicaid is that unless assets are "transferred" surrounded by a timeframe beyond the current "look-back" period, the state can database a lien on property owned by the Medicaid recipient. After the creature on Medicaid passes on, the state have a rightful claim to this property to defray the care expenses incurred by taxpayers. How the property is "sold" depends on state rules and policies. In some states, house members hold the right of first refusal to purchase property of deceased Medicaid beneficiaries.
One substitute is to look into Long Term Care insurance. However, for the very behind the times, insurance premiums are cost-prohibitive. (If you don't do this for your mom, think more or less investigating this for yourself.)
Another option is to plan for what nurture may be needed by your mom in the adjectives and identify options for providing aid for your mother at home. Families that can talk more or less different options concerning adjectives caregiving roles are miles ahead of families who don't imagine or talk around these things at all. Also, most states hold programs where family who are caring for a relative can carry help and assistance--many times on a excise scale base on income.
There is a lot more to know just about Medicare Medicaid, Long-Term Care insurance and community service options for your mother surrounded by your state and community. I would highly recommend calling your local nouns agency on aging. If you live in the United States or one of the territory, there is one serving
your nouns. You can call toll-free 1-8OO-677-1116 to find out the one serving you. Each nouns agency on aging has professionals available to provide information and direct you to informative resources--and these groups are the experts in community services that individuals need to suspension or avoid going to a nursing home. You will most likely find the relatives there friendly and extraordinarily helpful.
If you do contact your local nouns agency on aging and like the relieve that they give you, tolerate your local county officials and your folks contained by Congress know, too. Area agencies on aging don't have big budgets for public relations and certainly don't hold budgets that support campaign contributions!
Hope this help! Best wishes!
Source(s):
National Association of Area Agencies on Aging
What is issue amount of money one entity can grant another beside out paying taxes?
Question:I heard somewhere $11,000 be the limit amount for a offering per person.Answers:
It's 11k within 2005. For 2006, it's 12k.
Other Answers:
its only $10,000.
Miss Arbitrage is correct. Its $12,000 this year. For 2006 it will be 12K. However if the recipient or donor is married, you can smoothly double or quadruble that amount with gifts to or from spouses.
For tax year 2005 (the return you file this year) it was $11,000. For rates year 2006 (the return you will file subsequent year), it is $12,000.
The IRS website is linked below
And VaTreasures is right: husband and wife can EACH furnish $12,000 to an individual ($24,000 max from couple) or $24,000 ($12,000 per spouse) to a couple for a max of $48,000.
Source(s):
http://www.irs.gov/formspubs/article/0,,id=112782,00.html
does debt consolidation loans hurt your credit win or overall credit?
Question:Answers:
no it should not - but if you have default on your CRAA from the loans and credit cards you wish to consolidate consequently you may have problems getting nouns to consolidate in the first place. However, shop around but be extremely careful of some of the Lenders out in attendance who will 'lend to anyone' as they can really rip you off next to interest rates and terms and conditions etc. Always ask question and make sure you realize exactly what you are signing for - if in doubt, transport someone with you for assistance. Dont tolerate people formulate you feel humiliated so that you will sign anything - you maybe desperate but you are the customer dont forget, so dont touch intimidated. Anyway, they must give you the remedy of obtaining independant permissible advice if you inevitability it. It makes things a bit more difficult if you cart this option but it is your right and you must quality comfortable about signing things...engineer sure you do understand what you are signing - the loans being must make sure you truly construe so make them move about through things with you slowly if want be - dont feel dismayed ok
Other Answers:
It shouldn't. It is really just a fancy autograph for a second mortgage on your home. That is provided you pay stale all your debt and LEAVE your other debt at nought!
Then just keep hold of up your mortgage payments, on time, for a few months and your credit should augment in 6-9 months.
The biggest problem next to this kind of loan is that it doesn't prevent you from running up the credit cards and sports car loans again.
If you do go ahead, cram to live on cash for a year or two, and do so while still maxing out your retirement plans at work and contributing to IRAs. Until you are putting aside money for retirement (they call upon it paying yourself) and other long term wishes, you can't afford more debt.
There is some useful guidance here.
Source(s):
http://www.debt.jims-info.com/
No,
Here are some sources which would help you:
Debt Consolidation - Get Out Of Debt
http://www.askaquery.com/Answers/qn1643.html
How to Hire a Debt Counselor?
http://www.askaquery.com/Answers/qn1584.html
What is Debt Relief?
http://www.askaquery.com/Answers/qn1583.html
Debt Management and Building Wealth
http://www.askaquery.com/Answers/qn1581
How true is the money fasten memorandum via your retribution buddy report?
Question:Answers:
What are you talking almost, the dumb chain junk mail?
Other Answers:
If you're gullible enough to believe contained by chain junk mail, then you deserve what you go and get; which will be NOTHING !
It is completely false. Very few things in email tie up letters are true. I hold never seen one promising money to be precise true.
Is the present discount making you have a feeling "poor"?
Question:Answers:
you can see by the answers that there is a huge crack between the upper 20% and everone else. this situation has be growing since the 1980's and will probably get worse, the current disparitiy is nearly at duplicate level it be in 1929....
I'm contained by the upper 20 so personally i'm sense quite content. But we will adjectives pay for this disparity at some point down the road.
Other Answers:
no, the rich are making me get the impression cheated....damn mongrols
It be before I get married, when I was a full-time college student working a full-time available job, with only just enough to graze by. Now, I have my husband to pocket care of me, and geez, specifically a load stale of my shoulders. Still, though, the gas prices put a MAJOR dent in our edge accounts. Yeah... prices are up and my salary is equal.
No I hold done the best I have ever done contained by the last 3 years. With proper training or lessons you can enter a high emergency field possibly.
The discount is great; GDP is growing above trend, we are at near full employment, and company profits enjoy grown by double digits for nearly 4 yearsyes, when it comes down to the debate whether i should buy gas or groceries i have a feeling really poor. yesthe ecnomy is making me poor ive no one to assist me. ive be brought up in a small town with mafamily man very poor
only if i consent to it !!
Is in that a path to pay envelope my bills surrounded by the US while living and working surrounded by Mexico?
Question:I would like to avoid using the Mexican post system and paying wire verbs fees. I earn Pesos and my bills are in american dollars...Help!Answers:
If you can do automatic deposit, any sandbank with online bill-pay will work for you.
Otherwise, consider NetBank, who have a deal next to UPS to handle deposits from adjectives over using their NetPost service.
I suspect PayPal could also work for you, but I don't know how or where you'd be capable of make deposits near.
Other Answers:
Sure. Most banks own free on-line bill paying services.
if u set up ur edge account online, you can settle up from the banks website. ya u can lately set the direct debit thats and njoy
Internet
Try to bring back online E-Bills through your bank. They are super convenient, and the exchanges and transfers are instant.Most places have on chain bill paying. Most banks do, too. What for the internet, online clearance system and the credit cards are there, if you can't recompense from Mexico your bills in US?
Web site Advertising??
Question:I need some Awesome Ideas to Advertise my Web- Site....?? Affordable Advertising to be precise...Thank youAnswers:
you need to do what the big sites do they don't obligation to pay per click media hype because they are always at the top of a regular hunt
you need accurate seo software to get planned at the top of the list
here is one i recommend
http://andycaine.bryxen1.hop.clickbank.lattice
Other Answers:
depends on your website is?
Which Credit Union or Bank (in Florida) offer the lowest interest rates?
Question:Answers:
Looking for a credit union surrounded by Florida? Check out http://www.creditunion.coop/cu_locator/index.html to find the nearest credit union surrounded by your location.
Credit unions are specifically the way to jump. Most offer adjectives the same servicees as bank, but because they are not-for-profit, they can offer lower loan rates and better rates on your savings.
Good luck!
Other Answers:
Why should I put in the picture?
check bankrate.com
But I would advise against borrowing money. Why clear the bank to use their money when the ridge can pay you to use yours? Interest works both ways. Put some money contained by savings and you'll never entail to worry in the order of getting a loan.
Source(s):
http://www.daveramsey.com
Don't be normal. Normal is $8000 contained by debt with no reserves.
Debt-free is the way to be.
Ebay ask?
Question:If you have money surrounded by your account,will it come out of at hand or your bank picture when you buy?Example:your bank statement is empty,but your ebay description has ample money to cover an item,they wont take it from your mound account will they?And consequently you find out your bank rationalization is over drawn due to inssuficiant funds?Or does it automaticly come out of your ebay account.Answers:
Hers an example: You own $20.00 in your paypal story, you buy an item that is $19.00. It will show when you rate $19.00 funding source paypal. It will not touch your bank rationalization. Now if you buy and item for $25.00 it will show when you pay $20.00 funding paypal and $5.00 XXXXXXXXXX1234 With your bank name....I do ebay trade and buy for 3 years.As long as you have the money surrounded by your paypal account to cover the item you are ok!
Other Answers:
I enjoy no idea, ask Ebay
By your Ebay account, do you be set to your Paypal account?
If nearby are sufficient funds in your Paypal portrayal, the money will be withdrawn from the Paypal account and your edge account will not be disturbed.
If you are talking roughly paypal, you have the likelihood of paying with a dune account, credit card, or paypal funds, simply paypal funds come first and I dont like that side are you talking almost Paypal? If you have money within paypal and opt to by that means, consequently money will be withdrawn from that paypal account. the single time money is taken from your personal account is if you hold zero match in paypal.
They give the option of which account you want to use.
I would achieve a paypal account instead. I don't enjoy any problems with it. You put money contained by it and the funds are withdrawn from there. It should be impossible to tell apart for your ebay account as ably.If you own and ebay cash narrative and also use your debit, you should have a choice as to which commentary you want them to remove the funds from. I have three sources, they other allow me a choice. Just read everything so you don't just click through short paying attention. if you're wise saying PAYPAL. it comes of your PAYPAL ACCOUNT.or if you have a cridit card beside ebay. it comes out of your cridit card. in jargon it comes out of your bank description.
usually, you pay envelope for ebay when you sell an item or enjoy an ebay store. those are automatically debited from your dune account. As far as i know, when you buy an item on ebay, you enjoy to pay for it next to Paypal, credit card, money order, check, change or the sellers preferred method of transmittal. Ebay does not charge your account if you are a buyer.
where on earth can you draw from a debt consolidation loan, near not so well-mannered credit, short individual a homeowner?
Question:Answers:
Try applying for the loan from www.lendingtree.com I was approved later year and I did not own a home.
Other Answers:
You can't, really, as far as I know. Best bet is to call a Credit Counseling Service-they do something that looks-to you-like a debt consolidation, because you pay packet them one payment a month-they help yourself to that and divide it among your creditors-and they negotiate with credit card companies to acquire you lower interest rates. So you save deeply of money.
How could you be so stupid within the first place? Spend your money after you make it, not previously. That's going to be really tough. Your poor credit tells bank you're in the mannerism of not paying your bills on-time. Would YOU lend money to someone like that?
Consumer Credit Counseling Services can minister to get your bills remunerated off, but won't give support to your credit score any. Try working near your current lenders yourself. Tell them you can only afford to income $___ every month and no more. If you've been paying on-time, they may work near you, although you may need to parley to a manager. Don't agree to them muscle you into paying more than you said - only YOU know what you can afford.
The switch is to stop using credit. Cut-up the cards and throw them away. Put money into savings for a). emergency (they WILL happen, but they're a LOT easier to concord with if you own some cash) and b). savings for big ticket stuff you want (new TV, computer, USED sports car - no loans!)
Do this and you'll be better off financially than 75% of Americans.
Source(s):
http://www.daveramsey.com
Don't be middle-of-the-road. Normal is $8000 in debt and no reserves.
Debt-free is the way to be. not so honourable credit these people appreciate and help
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whats considered wall fraud?
Question:if you deposit a check from someone else that was given to you on a closed sandbank account.Answers:
No. I asked my wife. She is a hill manager. You can merely be held accountable if you know in mortgage, otherwise you are an innocent victim. You are liable for the money, but it is not fraud.
Other Answers:
i cogitate it will fall backbone on the people who wrote you the check...be the check ever cashed somewhere?
YES!
That's called check kiting, if they can prove you know the account be closed, and once you do it even if you don't get sent to lock up you will never be able to unequivocal another bank side again because banks share info approaching that on chex systems. If it's obvious it's not your blemish you are charged a $10-30 fee and after that the sandbank will put a hold on every check you deposit afterwards.
Source(s):
It's my job.
your friend will absolutely be prosecuted and if they prove you had education of it then you are an supplement to the crime. Good luck.
that's fraud. There was no expectation of donation when that check was issued.
it's purely as bad as writing checks next to no funds, forgery, or giving out counterfeit currency.
The bottom line is no valid commitment to hold their end of the negotiate.
No, you will get charged for the returned "closed account" item though.
The writer of the check would be within more trouble than you. You'll get a charge on your commentary for a bounced check.
If the account is truly closed, the money won't clear YOUR reason. The writer of the check will probably be levied a fine for writing necessarily, a bounced check, and can be prosecuted if the check was written purposely.
BTW - your friend is an idiot if he think he can outwit a bank by writing a check to a closed rationalization.
Your friend is guilty of check kiting. You're technically not guilty, but could get within trouble if you knew it be closed.
Fun fact: Over partly of women in prison are nearby for check kiting--trying to make ends stumble upon by writing bad checks.
Did you know that the justification was closed?
First the sandbank you deposited it to will take the money posterior out of your account (even if you own no money in there), consequently they will charge you a fee. As to the creature who wrote the check, the bank will determine if it is contained by their best intrest to try to capture and prosecute. Yes, it's wrong. Yes, you can go to top-security prison.
Glad it's not me!! I think it's a Federal offense.
If you be unaware that the statement was closed, you are innocent of adjectives charges, except the ones the bank is going to debit from your reason!!
Those funds were a deposit to your article which will now be invalid and you will own a bank charge to pay. If you intentionally cashed a bad check explicitly not good, but if you be just depositing it and next found out the other persons portrayal is closed you just entail to know that money is no longer in your vindication and they will charge you a fee for the bleak check processing. In theory you should collect that tax from the person who give you the bad check as okay. Good Luck !
you cannot deposit a cheque to a closed bank details.
Does anyone know of an bureau that could comfort my church put on a pedestal money for a liver transplant?
Question:A member of Bowling Green Freewill Baptist Church is surrounded by desperate need on a liver transplant. We hold to raise at lowest $3,000 dollars before the doctors will do anything. Please, if anyone can answer my query, email me back.Answers:
i dont know just about an organization, but try to put on a benefit concert at a local club. try a place similar to the local elks club or something. often, they'll "donate" the passageway for a night. you can shift to local clubs and music stores and ask around for bands that are ready to play for free. usually, they're just satisfied to get out here and get the exposure, or conceivably sell a cd or two. they, you vend tickets for $5 or whatever. clear flyers to let everyone know what its for. you could also hold a raffle there, or purely set up a donation table.
Other Answers:
You might try contacting the local newspaper. People enjoy done that several times in my community beside great success. It's amazing how plentiful people are likely to help if you lately tell them give or take a few the need.
God bless.
How do bank know that when using the ouside atm you really deposit that amount?
Question:Answers:
You account is credited the amount tentatively until it is verified by your bank institution.
Other Answers:
bc u put it in an envelope next to your account info on it.
They hand over you the benefit of the doubt until the lil guy empties it and counts it. It happen at 3pm at my HSBC holding branch
because there is a character who services the ATM on a daily proof and the deposited envelopes go to the dune for verification.
Because if you don't they throw you put inside for larceny and fraud.
Dumbass.
Your deposit is generally credited to your description balance but not your available symmetry pending validation when they open the apparatus on the next business hours of daylight.
I would never deposit cash via ATM. You're better past its sell-by date buying an 89-cent money order somewhere, and making it out to yourself.
The bank automatically add the deposit amount to your be a foil for, but do not allow it to be withdrawn. Most banks harmonize their ATM cash each day, Monday through Friday, to reconcile the deposits and withdrawals. If a deposit is made, the amount deposit must jump through the normal "clearing" process if the deposits is made from checks. So, the amount may still not be available for renunciation. Hope this helps.
They don't they are trusting you to put the right amount within. If you have be a customer for a long time they will clear a large amount but save nothing or deeply little will clear right away
They don't and they don't usually credit the deposit from the machine entry. All deposits are subject to validation and unless you have adequate money in the statement to cover the deposit you cannot draw upon it. If by some chance you took the money out and within was not adequate money to cover, many bank make a loan and charge interest on the debt. Your bank "fine print" rules cover all this. So, if you put an abandoned envelope into the ATM, they'll catch you the fundamentally first thing subsequent morning. Meanwhile its not likely you will achieve that phony deposit money out in a renunciation.
Banks are not stupid and they have adjectives the rules of your contract with them written to favor their position. So if you are thinking of trying to deposit an amount and "forget" to put it contained by the ATM envelope, its likely to blow up within your face and cost you money....besides doing so may be a crime.
Most bank will not allow you to use the funds you deposited until they have verified the deposit. It may show up surrounded by your account ballance instantly, but the not long deposited ammount will not be available for use.
They don't. That's why they give you a notice that there may be a hold on the deposit. Most bank will still make up to a unshakable amount of your deposit available, but they do put a daily check on the amount and it usually isn't more than $100. Also, if you have a check or other debit transaction trying to post to your description, the deposit won't be available until (at least) the next business year! Then you get one of those lovely overdraft fees.
Source(s):
I found out the frozen way!! I concluded up paying for going to the ATM instead of straight to the teller inside.
i know if u r a customer of a edge in PA and next u can even deposit ur money from NJ, CT atms too. All they do is the person who services the atm, read the account no and wall name you enjoy written and look for the ABA no / routing no, (that is if u already havent written that) and via back bureau deposit operations of the sandbank it gets credited to ur commentary in your dune. This is the same style you withdraw the money from the ATM, as economically.
The atm fees that they charge covers most of the back department work that takes place, while we rush to do anything we have to do. Ofcourse we obligation to be aware of the differenc ebetween Available Balance and Current Balance.
Happy Banking !
How can I pick up plentifully of money (honey)?
Question:Please give me hints and tips on how to pick up money. :)Answers:
Make a budget for each month and put away a convinced amount every month to a savings explanation that you can't access with your ATM card. Make sure you don't exceed your budget and when going shopping, brand name a list. Or else, you'll wrap up up buying things that you really don't need.
Other Answers:
unscrew a savings report and DO NOT have it attached to an ATM apparatus!
don't get cash, it help me, just use debit card, and don't charge on credit dont enjoy a cell phone. waste of money
Don't buy things you don't NEED.
RIGHT OPEN A SAVINGS ACCOUNT NOT ATTACHED TO AN ATM CARD. I OPENED ONE WITH ING DIRECT, THEY ARE GREAT AND I HAVE A PORTION OF MY PAY CHECK GO THERE EVERY TIME I GET PAID. tHERY START OUT W/ 4% INTREST RATE.First of adjectives, if you have credit card debt, you will earn far more by paying the balance down than you would earn from the interest on just something like any investment. It doesn't seem resembling you're "saving" money, but in the long run you will hold much more money.
If you don't have any debt, consequently set up multiple ways to save your money. Put some surrounded by a savings vindication (or two or three different accounts), stash some cash within your dresser, buy some low-risk bonds or CDs, maybe put some surrounded by a paypal account, etc. This channel you never look in one place and see only just how much money you actually own. It's too easy to splurge when you see that you hold several thousand bucks sitting there. don't buy profusely of things,hon