Personal Finance Question and Answers

I own lost my kids nest egg bonds, and I dont know the numbers. What can I do?

Question:

Answers:
go to the network site for US Bonds, there is a form to pack out and mail to them.

Other Answers:
lol oh your surrounded by trouble.
Source(s):
that 1 kid
There has to be a text of them somewhere - like how be they purchased? From payroll deduction? From a guard? Try those sources first - without knowing how dated the bonds might be, that's all I can put in the picture you.
One this is DO NOT pay someone to find them for you. There are plenty of free pieces of information to lend a hand you find them.
A couple of good articles I've found:
http://www.kiplinger.com/personalfinance/columns/ask/archive/2001/q0219.htm?
http://www.savings-bond-advisor.com/how-to-recover-lost-savings-bonds/
Do you remember where on earth you took the bonds? Like at a bank? If you remember where on earth you got them, you can progress there, or contact them and I guess they can find the numbers and other information for you.
Source(s):
guess
Check the financial institution where on earth you got the bonds or the method you get them. I had some money taken out rear in the 80's when I be in the Navy for bonds, forgot around where they be, and the Treasury Dept. had them on register waiting for me and sent them to me...

Or go to this trellis site for help...

http://www.publicdebt.treas.gov/sav/sbifaq.htm
Bonds that are lost, stolen, mutilated, or destroyed can be replaced free of charge as long as we (the Bureau of the Public Debt) can establish that the bonds haven't be cashed. To assure that the bonds can be traced, owners should keep chronicles of bond serial numbers, issue dates, registration, and social payment or taxpayer identification numbers contained by a safe place separate from the bonds. (The Savings Bond Wizard is a great process to do this!)

To get your bond replaced, complete Form PD F 1048. On this form, provide the approximate issue date along next to the complete names, address, social security number that appeared on the bond, and the bond serial number. If you don't know the serial number or denomination, purely write "unknown" in the space provided. If the bond owner is a minor, the form should be signed by both parents and the minor's age and social guarantee number should be included. Mail the completed form to: Bureau of the Public Debt, P.O. Box 7012, Parkersburg, WV 26106-7012. Replacement bonds will still show the original issue date
Source(s):
Bureau of the Public Debt
http://www.publicdebt.treas.gov/sav/sbfaqcs2.htm#Lost


Where can I find honest answers concerning question on splitting up assets surrounded by a divorce?

Question:

Answers:
If it is a "friendly" divorce you can check out an arbitrator. Otherwise consult an attorney.

Other Answers:
Heres a good place click on property division and what state you live surrounded by! So sorry good luck!
Source(s):
http://www.divorcenet.com/


Who is the richest personage within the world?

Question:

Answers:
BILL GATES

Other Answers:
microsoft ceo bill gate :D
probobly bill gate or something
Bill Gates of Microsoft?
me i wish.. bill gate, rich mothalova.. he should share with me.
Bill Gates the founder/owner/CEO/President of Microsoft Corporation.
Bill Gates, I'm pretty sure.

He's be #1 for a few years now. You could probably check Forbes.com since they brand name annual lists of the richest empire.
bill gates
Bill Gates.
Source(s):
everyone know that
Bill Gates
Bill Gates
Source(s):
soyouwanna.com
Richard Gates he has 100 billion bucks!!
The richest character in the world is the man who does not count his material comfort in jargon of money.
I think that the Sultan of Brunei is the richest and Bill Gates is the richest contained by the U.S
Bill Gates Creator of Microsoft Corp.
the richest person contained by the world is really Bouffet.
Source(s):
oprah show
With $46.5 billion, Microsoft co-founder Bill Gates is still the world's richest person
Source(s):
http://news.zdnet.com/2100-3513_22-5609661.html
it is not one being ,and it is probably the Rothschild's family and they don't peddle it ,
but their family hold financed many war over the centuries,usually both sides every time ,so that they would know the outcome ,and often they released false rumors of the loosing side triumphant
ending up near people owing them huge debts,and speculating on the concrete winning side, making huge profits.

and the money they lend be imaginary ,it be on paper

they did this not near one war ,but beside most wars
ww2 ,Waterloo are the most established examples
Bill Gates
Source(s):
Forbes
Bill Gates
William Gates
Source(s):
forbes.com
I think it is Oprah.
Bill Gates ($50 billion), followed by his friend Warren Buffett ($42 billion).
Source(s):
http://www.forbes.com/billionaires/
bill gate


What is the best procedure to follow something like debt consolidation?

Question:I have a loan and 3 credit cards almost fully used, I a moment ago want to know how I can consolidate my 4 payments with one impressive payment

Answers:
Start by making a schedule of monthly expenses - ones that you can't avoid like food and housing (fixed expenses), and also ones that you can control close to entertainment and technology purchases (discretionary spending). Take your monthly income and subtract from that your fixed expenses. This is the amount that you have moved out to save and use for paying stale your debts. Put a freeze on most discretionary spending for now. Get an American Express Green card, which you enjoy to pay rotten monthly, and get rid of the out-of-date credit cards.
If you own a home, consider refinancing your debt into a new mortgage or home equity loan so that the interest is charge deductible. If you don't own a home, then wage off within either lay down: Either pay rotten the highest interest cards first, or clear off the smallest card harmonize first. The second option can be psychologically rewarding since you can see the progress you are making within completely wiping out respectively card balance.
It take discipline, but you can do it!

Other Answers:
Pay what you need to on adjectives of them. Choose the one with the utmost interest rate and pay it stale as fast as you can. Then do equal with the subsequent one and so on. I also suggest that you take the 2 credit cards next to the highest interest rate and verbs them. There's no reason for you to own more than 1 credit card. If you have more than 1 freshly so that you can run up debt -- THAT'S the root of your problem. Destroy them and don't use them anymore.

If you do what you suggest above with consolidating to 1 grant you may get the sense that you're almost out of debt and start running up the cards again. There are lots debt con. business. Check bbb or ask around. You need to find a reliable service. There enjoy been agencies who own taken their clients money and ran.
Source(s):
not debted no more


wher can i find info of suspended / deserted / forgotten edge accounts within the indian bank?

Question:

Answers:
Open an e-mail account any you should gain offers from bankers flying within any day.

You might also be offered the irregular opportunity to help a Nigerian prince reclaim his domestic fortune (for which you will be handsomely rewarded)


Shopaholic? IS this a disease??LOL?

Question:Me and my man are big spenders for some reason, we dont take home ungodly amounts of money or anything but we keep buying New cars, expensive electronics, and it seem like we are other shopping.. Is there a cure for this? Please dont say-so something stupid like, stop doing it because we own tried. I think I'm the crucial problem here. my credit cards are cut up to help me out but when ever I win any extra cash I blow it... why is this?

Answers:
I'm not sure if it is a disease, lol, but it could be an violent thing. I know it make me feel really apt to spend money. So, it is addicting, VERY addicting! I say you should replace it near something else, or focus on the things you have already bought. Good luck, I enjoy the same problem!!

Other Answers:
Ya, I ruminate you actually could be diegnosed next to suck a thing. You could other give me you credit cards I cant bring back one for not.
You could always try and tye a string around your finger to remind yourself of adjectives the less fortunet as yourself so if you don't really stipulation it you then might not bye it... hope that help.

i unquestionably think its a disease, or a nouns

could be OCD I don't know if it is a "disease," but I do know many become addicted to the instant gratification that one get from purchasing things.




Do you consider yourself overpaid or underpaid for the work that you do?

Question:

Answers:
Underpaid. I organize adjectives of the paperwork for the company I work for. We are a small business, but the paperwork is extensive. I do the accounts payable & receivable, purchasing, payroll, employer taxes, job work directions, filing, customer service, etc... It's stressful. I should be rewarded MUCH more. :(

Other Answers:
Underpaid. I do the billing and I know what the owner makes.

overpaid. All I do is sit and take call. overpaid just close to the rest of these guys- we're on RunEye.coms at work.

Typically - underpaid, today not.


underpaid, severely stressful very impressively Underpaid.


Underpaid obviously, but who isnt underpaid?

overpaid... I am working now :0) However when I receive my masters in a few more years it will be so much sweeter.

Overpaid!! Somebody pays me to travel the frickin' world on business!! Yahooooooooooooooooooo!! Sort of underpaid. Because I live in a poor country surrounded by which labor cost is cheap. :((


Definately underpaid. I am a stay at home mom :) (the rewards are amazing though)

Relative to the cost of living where on earth I am, I am overpaid (10X more than local teachers). Relative to how much money I pull within for my boss I'm Underpaid. I make them more contained by a day than they pay envelope me in a month and their other costs are smaller quantity than paying me. If you want to make alot of money (profit) instigate an English school surrounded by China.

I'm a housewife on the other hand I have a wonderful husband who works so easier said than done for what we have. I undoubtedly would read aloud, "I'm overpaid" for we have no kids and this nose-dive, I'm going to school full time. While my husband works too tricky, I'm here at home playing in the computer most of the time, if, I'm reading books or go shopping. But if you'll ask my husband, he say being a housewife I work as firm as he is.
Modern day living may dream up of us as coming from Victorian age; as husband goes to work, wife stays at home. Was underpaid. I in reality found out that my coworkers make roughly speaking 15 more then i do on the other hand i was required to do that same amount of work. Since afterwards, i have made it a point to walk off at 5 and do minimal work. I think my mgr found out give or take a few my knowledge on the stipend of the my coworkers since he has become thoroughly lenient and doesn't require as much as he used to. I am currently a "project manager" next to only a few projects to work on but all the time contained by the world to do them. =)




How do I borrow from my retirement plan a work.?

Question:lincoln financial group,
to purchase a big ticket item

Answers:
Not all companies allow you to "borrow" from your retirement plan. You obligation to contact your Human Resources department.

If you don't want to do that...here is Lincoln Financial Group's direct number... give them a christen.

http://www.lfg.com/LincolnPageServer?LFGPage=/lfg/ipc/cus/index.html&LFGContentID=/lfg/ind/srv/ret

Other Answers:
IF you are wise, you DON'T ! But, if you grain that you must, simply check with your personnel department and they will provide you near the proper forms.
no
Actually, I believe you contact the company administering your benefits/retirement. You then ask if in that is the ability to borrow from your own money and if you can, communicate them the amount you want to borrow. They will in turn convey you the fees and tell you varied amounts that can be deducted directly from your check to pay envelope it back. That will depend on how long you want to settle up back the amount removed. Believe me, be there done this!
Do Not Borrow from your Lincoln Retirement Plan!!
Very impossible idea. You will own to pay taxes on the money you borrow twice. Don't do it. Ask yourself, Do I really necessitate this big ticket item, Will I die without it?
IF your plan allows (which it might not!) afterwards you can request a loan from the plan. Talk to your human resources department. If your plan is a 401k or profit sharing plan, then your likelihood are better. "Pension Plans" which give you a monthly benefit at retirement are smaller number likely to allow loans.

There are edges to what you can borrow, I recall 50% of your stability, up to 50,000 (I might be wrong on this one!)

You also have to compensate the loan back, sometimes beside paycheck deductions. If the loan is not rewarded back, it is considered a bill, and you have to pay envelope taxes on the amount. So if you borrowed $10,000 and didn't pay it stern, you might have an extra $3-4000 surrounded by taxes due that you didn't realize.

Talk with your tariff guy, or accountant before doing this. It can be a honourable idea, but is usually a fruitless financial move.
I do not know
Source(s):
Raynanne is a hater and a coward!


Best rates for ISA money of lb22000 total including this year's allowance?

Question:I have several different providers of mini change ISAs over the past few years. Now I would similar to to consolidate all of these by transferring a total of lb22,000 + to a up to date provider. This should give me a better interest rate. I do not want to be committed for more than 2 years.

Answers:
National Savings is polite and more importantly safe


I aid for an handicapped grown within my home which is my husband daughter can I recieve benefit her home watchfulness?

Question:A thirty one year old autism, requisition, severly retarded adult, I can not move about to work because she needs twenty four hour comfort. Is there some type of income that I can recieve from this type of situation. I am qualified and experience within working with developed with disabilities.

Answers:
most definitly you should know how to! Start with Social Security. Not lone can they at least dispense you a start in applying for benefits for her and yourself (since you are primary protection giver) but they can tell you where on earth you can go to acquire other help. United instrument is always a great start, they are a great clearing house of resources. ARC is another (Association of Retarded Citizens), they can facilitate with alot of things. So can your local association for the mentally in poor health. These are just starting points. Look within your phone book, there are other listings for places that can help or point you surrounded by the right direction.

Other Answers:
Yes you should be able to win something since you are her care benefactor.. Talk to a county health service rep, and see exactly what you are competent to get..I longing you luck,I use to run a grouphome similar residents.

You should know how to. You will need to catch in contact beside Social Services in your nouns. You will need adjectives of her medical papers and information because they will want proof that she handicap. It may go thru and it maynot, but keep hold of trying it is hard to obtain. there are persuaded rules that may restrict this - in unusual, benefits being salaried to family member. If she has insurance, you necessitate to check the policy. Some long term nurture policies now allow wages to family member. So check the policy.


If you are likely to do the work you should get rewarded like everyone else. Like some of your other answers move about to social services, they will be able to assistance you with medical, food, income, and even assistance with your utility bills, and not lone for youbut also for the ones you are helping. if you are in necessitate of equipment then turn to you local american legion. They will loan it to you for free for as long as you inevitability it and with the supportive that when you are done, take it spinal column. Also talk next to you family doc. if he prescribes you home form, then contact one of the agencies and tolerate them know of you qualifications and between next and your insurance you will be abled to have second income that way. i go through simular situation and took all these steps. i did recieve income as you are looking for. i hope this help you. good luck and God bless you




stipulation a loan for $ 4000 to fixed up my credit. i own discouraging credit. can any wall nouns me?

Question:

Answers:
www.prosper.com

Other Answers:
what's your num,ber, I will fax it to you
you might need a cosigner
I don't know if a mound will finance you near your bad credit. I meditate an avenue you should explore is consolidation. Find a company willing to use up your debt to one monthly payment. It would be one and the same if you got a loan. You know what I be going to?

Good luck
If you have impossible credit and need to borrow thousands of dollars to somehow FIX it, would you loan you any money??
you will probaly inevitability a cosigner and possiable something to put up as collateral
http://www.wesayes.com
Try searching "personal loan impossible credit " at this site

http://online-mortgage-shoppers.com/

The search function here brings up some interesting results, for a while time browsing this site may bring you the information you are seeking

Don't be mislead by the name of this pattern site, you can find information on all types of loans here.


how can i be realize?

Question:

Answers:
You need to be more specific!!

Other Answers:
you denote rich?
If you are like most those you can be reached by phone or email.
BTW, G00GLE toolbar includes a spill chicker.
Marry another "reach" personage


what is minimum wage at right immediately?

Question:

Answers:
The Federal Min wage is 5.15..But from state to state these laws are different....So check your state goverment bureau on that states Min wage

Other Answers:
$5.15
It varies by state.

Check out this relationship:

http://www.dol.gov/esa/minwage/america.htm
The federal minimum wage is $5.15. However, several states and some cities have minimums that are highly developed or lower than the federal wage, and some don't have any at adjectives. For example, California's min. wage is $6.75, but San Francisco is $8.50.

Check out the map below for details.
Source(s):
http://www.dol.gov/esa/minwage/america.htm


How do you set up a trust fund?

Question:

Answers:
That depends. You can open a simple ridge account next to a designation ITF (In Trust For), you can do this at your bank. You can also interested up an investment account surrounded by your name and next write into your will that should you die, the beneficiary will get the assets. These 2 ways will allow you to still enjoy some control over the trust assets, because it's not a formal trust -- it's a trust in your mind.

Another unforced way is to only open up some character of account (bank or investment) contained by their name. You're done.

You can do this beside a lawyer but the problem next to that is that this may prevent you from ever touching these assets, which most virtuous attorneys don't recommend. The only explanation for you to use an attorney and get what's call an 'Irrevocable Trust' is if there's some reason for you to protect the assets essentially from yourself.

Other Answers:
don;t know


I hold $10K surrounded by student loans adjectives thru Sallie Mae Servicing. Is nearby any principle why I shouldn't consolidate?

Question:I would lock in at current rate and something big is scheduled on July 1st. I think it's more than a moment ago a normal rate increase. My indentation is that there's supposed to be a significant jump. Wouldn't I be a fool not to consolidate and lock within at current moderately high rate?

Answers:
Consolidation of your student loans does not count against your credit ranking AT ALL! Do not believe the person who posted in advance saying that. It is no where on earth near as detrimental as a ruin. In fact it is not detrimental at adjectives.

By consolidating your loans you are reducing all of your loan payments to one sum. This is by the best way to dance and it is was I did next to my school loans totalling $130,000.

There really is no downside to consolidation. I would recommend doing it beside the federal government fairly than a private lender because interest and fees will be lower with the former.

Other Answers:
Consolidate, I did, and it is showing to be a right decision.

I was surrounded by the consolidation business for a few years. It's extremely important that you capture your loan consolidated ASAP. After July 1, the rate structure will become very unfavorable and could cost you plentiful hundreds, if not thousands of dollars within interest. You've got to work quickly. I would stir up you to use the Department of Education's plan, way smaller quantity fees. I believe the new rate march is for new loans. You should consolidate loans IF the rate is low satisfactory to make your total payments from adjectives debt lower than you are currently paying.


Consolidating sometimes is basically as bad as Bankruptcy because it shows lenders you weren't competent to pay your bills. This will show on your credit report. Your choice.

The just downside is that you can only consolidate once. After you enjoy done this, even if better offers come after that, you can not "re-finance".

Of course if you wait they could move about up. Since we don't really know what the future holds, I would suggest you consolidate in a minute.


More Questions and Answers ... 1472 - 1482 - 693 - 1003 - 1501 - 1683 - 1831 - 583 - 727 - 1270 - 1962 - 1651 - 1140 - 1626 - 60 - 1430 - 1130 - 926 - 174 - 1043 - 244 - 1860 - 731 - 1262 - 1506 -

The entirety of this site is protected by copyright © 2008. All rights reserved. RunEye.com