how frequent hours does a tipped member of staff enjoy to work previously getting over time?
Question:in minnesotaAnswers:
It depends on the contract the hand has next to his employer. I have see contracts where anything over 35 hours surrounded by a calendar week was salaried at the overtime rate. If there isn't a written contract, afterwards the answer depends on the labor laws, both state and federal. Consult a labor attorney for further details.
Other Answers:
8 hours
8 hours You will obligation to check your states labor commission, but if I recall correctly, any time over 40 hours within any 7 day time is required to pay 1 1/2 time.
Forty hours in week.
A TIPPED EMPLOYEE HAVE TO WORK FOR 9-9 IT MEANS 8 HOURS AND IN IT 1 HOUR FOR LUCH BRACK IT MEANS 7 HOURS ONLYThe hours, not the tips determine overtime. 40 hours per week as with any other living, however, most tipped employees form 2.13 an hour so the real benefit to working overtime is the extra tips person made.
Tips one and only? there's no overtime. But salary plus tips, overtime must originate after 8 hrs day, 40 hrs week--unless you are hired contained by a management position. In which travel case, no overtime.
What is the best mode for a retired being to nouns a tentative sports car?
Question:Small monthly income,some savings.Answers:
Typically a lender will permit you pay up to 20% of you gross monthly income on a saloon payment. If you own real right credit and not a lot of debt, you may know how to afford more.
If your credit is good check around at a few local credit union for a guideline as to what the going rate is for a new vehicle loan. A good rule of thumb is if you nouns $10,000.00 your payment will be around $200.00 per month over 5 years, if you nouns $15,000.00 it will be around $300.00 per month over 5 years. Most banks will consent to you finance next to little or no money down, but don't forget about sale tax and registration fees. That can smoothly add $500.00 to $1,000.00 to you bottom rank depending on where you live.
Now if your credit could use some sustain. you may be at the mercy of the dealer, so turn to a dealer you trust.
Other Answers:
If you can't find a loan using the car as collateral, I right to be heard use either a home equity loan or home equity chain of credit to buy the car, assuming you own your home and own equity in it. The payments on home loans can be stretched method longer than other loans can so the minimum monthly payments will be lower and you can make greater payments than required when you can, to get the loan remunerated off faster.
Emergency I inevitability 1 million Dollar for loan. is at hand any millionaires? (NOT JEST)?
Question:Answers:
I would need to know what you requirement it for. When I would see repayment. What interest will be paid. What collateral you enjoy to secure the loan and so on.
Other Answers:
sure...If I have a million dollors I wouldn't give it to you, because I wouldn't trust you next to it.
ask Donald Trump
such a big desperate emergency shouldn't you explain your situation. Maybe someone would help. trumps here you know.
yeah so do i
There must be hundreds of millionaire but not a soul urgently needs to subdivision with the one million.
what interest rate are you looking at?
Call Bill Gates, he might distribute ya money now since he is stepping down as chairman of Microsoft.
I also would close to 1 million bucks, however an emergency that requires 1 mil must be really serious. Try applying for a loan or sell everything you own compensate the debt and start over. I think a restart button would be nice resembling on video games. Good luck.
I enjoy doomed to failure credit but i have need of a home loan next to no money down ?
Question:Answers:
Ask your mortgage banker / broker for an FHA loan beside downpayment assistance.
FHA loan's can get approved down to a 550 credit win as long as the reason your evaluation is low can be explained. (Car accident vs. a moment ago didn't pay a bill)
While you can still obtain an FHA loan without a credit gain, you'll still need to show what's call alternative credit. You may need 12 months of compensation history of on-time payments to utility, insurance, etc.
VA loans, if you're a veteran, might also be available.
Also consider a gift from a ethnic group member.
Finally, no money down doesn't include closing costs, due / insurance escrows, other fees. While some of this can disappear through a higher interest rate, you don't want to bring in a foolish decision. You involve some money in the hill.
Good luck - and check out the downpayment assistance program below...
Other Answers:
If its for a first time purchase check with some local first tie buyer programs... or telephone your local government HUD and ask them to recommend some appropriate agencies to aid you out.
good luck and if you find it permit me know. msangie82@yahoo.com
I am a mortgage broker, pls write me back near your exact details to midrash40@yahoo.com, you might be VERY surprised as to what you can get
It adjectives depends on your credit score. With 580+, it's around. The lowest I've ever heard of is 575. Anything lower will be private funding at a high-ranking rate... or a favor to you. :)
FHA loans do not require use of credit scores. To carry this, you should at least own a good housing pay history
Source(s):
20 years as a mortgage banker
Get yourself a mortgage broker. They can minister to you out, and rip you off at duplicate time. Look for one that doesn't charge any type of fee. They are out in attendance. It's the lenders that pay them.
Does the see of a loan (per a 3-day right of rescission) affect the borrower's credit rating?
Question:Answers:
Rules re cancellation rights change from state to state. These rules do not necessarily apply to all types of loans. You would necessitate to find out the specific rules in your jurisdiction. If you enjoy met the legal requirements for invalidation of your loan it will not affect your credit history/rating.
Other Answers:
If this is a home loan then you will enjoy a 3 day right to retract (federal RESPA laws)as long as the following conditions are met:
1) MUST be a refinance,
2) Must be your primary residence
3) You must notify the lender in writing prior to the experation of the 3 days or you will be held to the loan
If your loan is for a purchase, a refi of a 2nd home or investment property and you enjoy already signed docs then your on the hook.
If you go against the loan prior to the 3 days then the single hit to your credit will be the couple of inquiries which were made by the broker or lender; thats it. If the nouns funds however and you play the I did not want this loan game and do not take-home pay then right to be heard good bye to your credit rating and hello to foreclosure.
If you would similar to to discuss your specific situation, drop me a line.
Kevin 866-562-6838 x 106
kruorock@firstratelending.com
www.firstratelending.com
Source(s):
Loan Officer, Mortgage Specialist
How much do you usually tip citizens?
Question:Answers:
I tip waitresses and cab drivers solely. If service is good, I enjoy been set to tip 100%. If service is not good, I tip zilch. Tips are not a right and should not be automatic.
I do not tip anyone else. As a matter of reality, any place I go to that have one of those "Tips, please" jars, I complain to government.
Other Answers:
waiters/waitresses - normal = 15%, I do 20%
house cleaning surrounded by a hotel - $1.50 per day.
cabbie - depends on the ride.
I want to loose change my tarif plan such that my monthly bill does not exceed Rs.500 to 600 per month and duration?
Question:Rs.between 500 to 600 per month and duration of 1to 3hrs. per day.Answers:
move about to the commercial officer and get your plan changed after giving him within writing
what is realty trust?
Question:Answers:
If you mean 'REIT' (Real Estate Investment Trust), that is to say a trust (like a stock) which uses the funding proceeds (money you invest) to purchase real estate. As the worth of the real estate rises so does the effectiveness of the fund, and therefore your investment.
Other Answers:
I put adjectives my trust in period of war and chaos. Fire will reign and peace will be nil but a dream. NUKES NUKES NUKES. 3 NUKES ARE MISSING WHERE DID THEY GO? WHO KNOWS, MAYBE IN IDAHO.
Does anyone enjoy anything they want to trade?
Question:Answers:
Share my knowledge of (1) Financial Planning (I am qualified within that field).
(2) Share my thoughts by writing about practically anything that I am briefed going on for. I also happen to be a writer and own written regularly for on-line websites and journals within India
(3) Design products such as furnaces, foundry equipment, materials handling equipment, air blowers, dust and pollution control equipment, Processing equipment. I run a manufacturing plant within Mumbai (Bombay) in India until I retired six years ago at the ripe antediluvian age of 40 once I'd achieved my financial goal at that time.
I'd only proffer the above services against substantial and satisfactory grant.
Wanna trade? How much will you pay me?
Other Answers:
Freecycle.com
What are you wanting to aqurie? and what are you wanting to draw from rid of? I Got a 47 Ford Truck...
frooper.com
excess fat?
I'll impart you my spice girls cd for your car.
I wanna trade my body for what's at the back door #1.
I will trade you my bills provided that you will get me out of debt. Sounds close to a deal. No trade back!
At what smooth of money will the Treasury Solicitor look for relatives for beneficiary purposes?
Question:Answers:
as far as i know, they're not interested in estates of beneath lb500, but once they are dealing with an estate they will form efforts to find subsequent of kin.
Other Answers:
If your question pertains to unclaimed money within the United States, each state maintain an Unclaimed Property Fund, usually in the bureau of the state treasurer or comptroller. Banks, utilties and other businesses are required to turn over dormant accounts to the fund after a certain interval of time elapses -- mostly 3 to 5 years, depending on the state and the type of account. The fund will usually push its holdings every year, but makes no alive effort to find the owners. It holds the funds until the owner or his heir steps forward to claim it, but most of the interest earned on the money is kept by the state. It's uncomplicated to find the lists by doing a G00GLE beside search words similar to "New York unclaimed property." Larger states usually hold billions of dollars in such funds.
Source(s):
www.unclaimed.org -- National Unclaimed Property Administrators Assn.
I am contained by a concrete mess beside the sandbank and credit cards, how do I win out? can anyone aid me? I am not a hundred percent beside verbs?
Question:Answers:
call them adjectives and set up payment plans
or natter with a credit counseling/debt consolidation company
best of luck
Other Answers:
debt consoodation
The YMCA offer a free consumer credit counseling service. Set up an appointment and they will help. Do not consolidate credit cards or do anything minus talking to someone first.
Leave the country, carry a new identity, and never come pay for
Perhaps if you visit another wall & tell them your problems you may be capable of consolidate all your debts into one expense each month that you can afford, this is what I did & it's going very well. AND take the scissors to those credit cards!..
Go to Consumer Credit Counselors at http://www.cccsdv.org/contact.htm. That intertwine is for the Philadelphia area, but they'll be capable of get you to one contained by your area. It's a legit agency funded by the creditors themselves. They'll work to diminish interest on your loans. Your credit cards will be closed and one payment will be debit from your bank picture each month. You'll wages off your debt contained by about five years and you'll hold a little extra dosh in your pocket respectively month to live off of.
Source(s):
I go through the same item.
you would either step to somebody for consulting and set up a pay hindmost plan with them . but i saw a friend of mine survive his expense through an excel sheet, before he get his salary he sets a chronicle of all the expenses he have to pay, how much he have to save and after the remaining money he uses for his daily expenses. It works for him, may u should try and account all your expenses down so u can enjoy a idea of what your suppose to take-home pay first.
You can call respectively credit card company, and explain that you are having trouble. Try to negotiate a monthly expenditure plan, and ask them to suspend interest fees. As long as you agree to make the fee before the due date and in fact send the expenditure on time they may oblige you. You may want to be a little pushy, not snotty. If the human being you are speaking to says no, ask them whether within is anyone else authorized to make arrangements, that you can speak to.
If your credit is surrounded by the crapper, you won't be able to consolidate, unless you enjoy big collateral. If you do, then you should look into it.
Bankruptcy lawyer will give you one free consultation. I'm not dictum that you should file for liquidation, but since the laws hold changed, people are required to bear credit counseling before they are allowed to directory. This is the safest route to find reputable credit counselors. A lot of debt consolidation companys, billing themselves as non-profit agencies promising to help you repair your credit, are rip bad artists.
If you do file for liquidation, it isn't the end of the world.
If you are inept to make payments, and you are expected not to ever be able to bring back out of debt, then capture it over with presently, and file.
If your credit is ruined anyway, finish massacre it, free up cash that you stipulation to live on now, preserve the credit card companies from suing you for unpaid debt, and start over again.
If you file Chapter 13, you may know how to fit your lawyer's fees in near the reorganization, instead of having to wage up front.
First things first, get adjectives of your most recent bills together, including utilities, house payments, medical bills, everything that you pay for monthly, and write down what the monthly return is, what the interest rate is, how much is owed today to pay it past its sell-by date.
Good luck
Source(s):
http://www.bankruptcyaction.com/questions.htm#*
Pay of what you can, work from lowest debt to largest debt. Make a payment arangement next to as many as possible but trademark sure the payment arrangement is faithful for you. Do not agree to a payment arrangement you can unattainable honor. There are alot of places that will try to work with you and others that will try to intimadate you. Also, a credit counselor is a outstandingly good opinion because they usually have a repor beside banks and credit card companies. Good luck, i've be there and it's drastically stressful. You can pull yourself out it newly takes time, do not tolerate your creditors bully you.
You need to spot the pattern within your cash and credit card spending i.e. causing your problem, develop a budget to give support to your see how to change your spending pattern, and probably take several other specific steps which will depend on your own specific circumstances (such as stop using one or more credit cards, set up automatic compensation of some bills such as telephone.)
You will have need of help. Many communities hold free counselling services for such problems, and there own been lots books written on the subject.
1. Decide NOW to start working on your problem TODAY.
2. Visit your local public library. Ask the librarian to help you find books just about personal budgeting. If you don't have a library card, read within the library.
3. If you go out for coffee (or other beverages or snacks), rein in yourself to small non-specialty products and not more than 1 or 2 daily.
4. If you drink in restaurants, do it smaller number frequently - in less-expensive restaurants, choosing less-expensive items from the menu and skipping dessert. If you drink alcohol - do it at home (yours or a friend's), NOT within a restaurant or bar.
5. Keep detailed accurate chronicles of every penny you spend, every day. You can buy books to relief - but DON'T. Look at a couple of books for ideas and examples (there will also be examples contained by those library books), and use a simple cheap notebook. Carry your expense record next to you and record every penny straight away after you spend it.
6. Make a list of your regular sources of income and your regular expenditures (daily, weekly, monthly, yearly). You MUST do this to develop a believable budget.
7. Make a list of your current debts - the current match of each, interest rates, minimum transmittal required by each, and date clearing is due. Same as the previous step, you MUST do this - don't skip it "because you already know".
8. If you are really "ill near worry", your problem is almost certainly too serious for you to solve by yourself - but it CAN be solved! You've admit here (anonymously) that you have a problem, the subsequent step is to admit it face-to-face to a competent professional. Look for your communities free debt counselling services. You may find them within the phone book where other community services are tabled, advertised contained by brochures or on bulletin boards at the library or YMCA, or other places you may know in your community. Phone the Salvation Army or other community service organization. Phone a bank - if you're uneasy about your OWN sandbank, call another mound anonymously. (A credit counsellor will not be able to backing you without detailed information such as I described above - so start NOW on those first steps, and plan to join a credit counsellor within the subsequent 5-6 business days.)
There is no fast or unproblematic solution. This will be difficult - but it CAN be done and you will soon begin to recuperate from your "illness". Congratulations on taking this first small step, and good luck!
That you are so fundamentally upset is a good article. It indicates your moral integrity. Arrange for an interview with your edge manager. Lay it adjectives out on the table and ask him to help you. If this approach does not work look up "Credit Counselling Services" within the yellow page. Make sure you contact the government sponsored not for profit credit counselling service. They will unite with you and shift over your situation in detail. They enjoy the power to stop your creditors from hounding you for payments and also have the power to cut back or eliminate interest charges at lowest possible temporarily. They will then arrange for you to foot them an agreed upon monthly amount which they will disburse to your creditors on a pro-rata basis. They can also present you personal financial counselling to prevent you from getting into this kind of predicament again. Good Luck
How can I find my overdue husbands income plan, he retired from Contel receiver co contained by CA approx 1978?
Question:Answers:
It looks like Verizon is the current owner of what be Contel. Apparently Contel was taken over by GTE. Then within GTE and Bell Atlantic merged to form Verizon.
Other Answers:
The last answer you received be correct. Contel is under the Verizon umbrella. You should be capable of contact the Verizon Benefits Center for an estimate. You probably won't be able to start delivery payments until the date your husband would have reach his earliest retirement age.
i involve $5600 to replace pipes surrounded by a 51 yrs behind the times house contained by cook county il is nearby any agency that give support to me.?
Question:my credit score is 653 income$42.000+Answers:
Do they obligation to be replaced soon or can it wait? Why not start positive money every month in a money open market account to pay packet for some or all of it minus having to borrow. Once you start borrowing against the house, it may never stop. Plus, if you just have enormously little equity, you'll be upside down on your loan. Then what happens if you hold to sell? Since you are a homeowner, it is imperative to enjoy an emergency fund, usually 3-6 months expenses.
You can either squirrel away money and pay yourself or borrow money and repay a creditor.
Other Answers:
With a pretty good credit gain and income, you should be able to obtain a home equity loan to replace your pipes.
What preparations enjoy you made, that if something tragic happen to you..?
Question:meaning if an fluke causing severe disability, or passing. What have you done to out of harm`s way your "business on earth"1)Do you have a living will, to establish what is to happen if you can't agree on?
2)Who can you trust to make that descision for you?
3)If surrounded by a coma, do you want to hang on, or own the plug pulled?
4)If you couldn't ever walk or reach a deal again, do still want to live?
5)Do you have funeral coverage?
6)Who would your nest egg go to?
7)Who get your house, car, belongings?
8)Would you be disappearing with closely of debt to pass down to you subsequent of kin?
9)Who would take watchfulness of your children (if applicable)?
10)What would you prefer cremation, or burial?
11)Who would miss you the most?
12)Are you at peace now if you be to be gone tomorrow?
Please think just about it before answering the question by number.
Answers:
1) yes, I have a will
2)My husband,or my sisters, if husband is not competent.
3)pull plug if no hope of good seizure, no reason for citizens to have to give somebody a lift care of a vegetable, they inevitability to LIVE their lives, not have sorrow over mine.
4)Yes, if that be possible
5)Yes all pre needed
6)my husband or kids
7)my husband or kids
8)no
9)YES
10)Burial, I cremate for a living,I don't want.
11)My children, seeing them grow up and own their own children
12)Yes
Other Answers:
1. no, but I should
2. see #1
3. have the plug pulled after given a clothed chance
4. if I have another form of communication
5. no
6. my daughter
7. my daughter
8. only a mortgage that could not be rewarded off beside savings
9. my sister and brother contained by law
10. burial
11. my daughter
12. my daughter is with the sole purpose 15 months and my wife passed away, so it would be very complex to feel diplomatic about dying untimely
mostly think in the region of what will hapen next!!
My ex file ruin one of the companies that be included very soon have a lien on our in concert owned home?
Question:Bankruptcy was file in Dec. 2003, will the attorney know how to erase this because it was contained by the original liquidation? Would the attorney have recieved paperwork stating in attendance was a lien? My ex never recieved any make out, we were informed when we tried to refinance almost 3 years after the final ruin.Answers:
Was the bankruptcy file in both of your name?
Is the home in both of your name?
Did you file a chaper 7 or 13 liquidation?
I can't tell you what to expect unless you answer the above question. It all depends on what your answers are as to whether you could loose your home or not.
Other Answers:
Chanves are your ex is lying. If he truly be never notified, the lien is invalid, but that is to say usually just an excuse to keep hold of the other party from getting too nutty.
Consult beside an attorney. If you want a correct answer... ask a local bankruptcy attorney!
I would suggest you read the article "New Bankruptcy Law – Where’s The Consumer Protection?" you can prospect it at:
http://www.sandiegolawyerforyou.com/san-diego-bankruptcy-law-update.htm
http://www.las-vegas-nevada-lawyer-attorney-legal-injury-defense-directory.com/las-vegas-bankruptcy-lawyers.htm
http://www.san-francisco-oakland-bay-area-lawyers-attorneys-directory.com
http://www.san-jose-ca-lawyers-attorneys-directory.com
http://www.sacramento-ca-lawyers-attorneys-directory.com
http://www.la-orange-county-lawyers-attorney-directory.com
http://legal-advice-library.info/blog
http://www.austin-texas-lawyers-attorneys-directory.com/austin-legal-services.htm
http://www.san-antonio-texas-lawyers-attorneys-directory.com
http://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info