Personal Finance Question and Answers

can you use an american express payment card for paypal on ebay?

Question:i have an american express endowment card and want to know whether or not i could use it to pay for an item on ebay.

Answers:
Yes, you can. If there's still a harmonize on the gift card, you can use it basically like a credit card.

Other Answers:
no endowment card. it doesn't work this way.........
Stuart is right.....it works resembling the gift cards near the Visa logo, the card you have is agreed anywhere that American Express is accepted.


what agency do i contact surrounded by northern Virginia to apply for a govt. give up to buy a home or other compromise info .?

Question:

Answers:
Whatever state you are in, if you chat of grants, you shift to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal policy to provide transparency and information on grants. Browse through the listings and see if you can find any compromise that would support your purposes.

Go to CFDA --> Search by Beneficiary --> Housing

Even if you buy books on "how to get grants" or enumerate that supposedly has information on grant -- all of them are mere rehash of what CFDA have, albeit packaged differently.

Note though that these grant generally support non-profit organization, intermediary lending institutions, and state and local government. Most of the federal grants are given to specific target groups near specific requirements (e.g. minority business owners involved in transportation related contracts emanate from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.

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

The rule is NOT in the business of giving away free money for the sake of giving away money. Grants are free, but it technique OBLIGATION. You will be obligated to do as the grant sets out to do. Grants own objectives, and your purpose must fit the objective of the give up.

For one, you have to write the compromise application and the grant application is not a simple document - you hold to explain how your purpose for applying for the grant fits resourcefully with the objectives set out by the give in. Grants have objectives, and the forfeit applications that best captures the grant's objectives are approved.

There nearby is a stringent review process through a committee composed of federal employees and preferred experts in the grazing land. You will compete with other applicants for the allow money, and this grant review committee will evaluate the merits of respectively proposal. Only those that they feel exemplifies the ambition of the grant will be approved.


http://www.cfda.gov
http://www.grant.gov
http://gtionline.fdncenter.org
http://www.powerhomebiz.com/vol66/grants.htm
http://www.sba.gov/expanding/grants.html

Other Answers:
For fairfax county the Redvelopment and Housing Authority are the people to contact. You can also see if HUD have any programs that would help you.
Source(s):
http://www.fairfaxcounty.gov/rha/
http://www.hud.gov
http://www.grant.gov


Should I put more money to by debt or funds?

Question:My Husband wants us to put more towards reserves but i want to put more towards our debt. I will like to hold to paid rotten asap. Right now we are putting 700-1200 towards debt a month. But beside us putting that most towards debt it will be paid past its sell-by date the summer of 07. Should I cut it down or keep it like peas in a pod? Also to note we do collect each month but not that much as we would similar to.

Answers:
It depends on whether you're saving for a short-term buffer against unforseen circumstances or abiding for the long run. If the former, it might be a good conception to have some soft savings put away, merely in defence you need it. If the latter, it's **probably** better to rate off your debts first, but not necessarily. Consider the interest you're paying on your debts and compare it to the interest or return you would attain on your savings. Put the discretionary money where on earth the number is higher--it makes little difference which. A penny save is a penny earned!

Other Answers:
debt.
funds
depends if your debt is accruing interest next i would pay it sour asap
You should get out of debt as in a hurry as possible. you can always reclaim money later.
your intrests rates on your debt it prob greater than what you breed in your nest egg account....so, do the math, choose debt
The sooner your debt lowers, the sooner your credit rack up will increase, and that's very considerable to doing a lot of things, close to buying a house or applying for credit cards. Unfortunately, most straight savings accounts don't enjoy a great interest rate, so you're really not making that much money. If it's only another year until your debt is salaried off, I would allocate as much money as you possibly can to getting rid of it. One more year where on earth you don't save abundantly of money is not that long in the assignment of things. Good luck!
If the debt interest is greater than your savings interest, consequently it is best to knock off your debt burden.
You should put it towards your debt because it is simple math. If you put it towards your stash you will make at most 4%, while you are probably getting charged atleast 10% on your debt. So pay cheque your debt if not the interest will drink up all your money.
If you are paying more interest on your debt than you would earn on your hoard, then you're better sour paying your debt.
by putting the money towards dept you are saving money,surrounded by the interest that you are not paying.lower the dept lower the interest.stick to your guns,and pay the dept.
It depends (how do you similar to that for an answer?!). If the debt that you're referring to is credit card debt, I would say reimburse it down as quickly as possible. Think of it this way-if you're paying 18% interest on a credit card stability, you would need to find an investment that earn a yield resourcefully beyond 18% in proclaim for the use of the money to be "equal". Seeing as there are no such investments close to that, pay down the credit card debt. If we're discussion about a 5.5% mortgage, ably, that's a different story. You could easily find a greater investment verbs than 5.5%. See where we're going next to this?

As something of an exception to this, though, would be if you have a 401(k) harmonious program available to you that you aren't utilizing. My advice consequently would be to contribute as much as possible up to the point where the employer no longer match the contributions, then any extra money should be used to reward down the debt.

By the way, congrats on the great stab of paying down $700-$1200 a month in debt. It to be sure sounds like your on the right track to a sounder financial adjectives.
get rid of the debt, afterwards ALL of it can go to funds.

Earning high yield in an assortment of investments while in debt (it will repay the debt interest _for_ me!) is what's called playing near snakes.. You will get bit, because to be precise risk (one check to a credit card gets lost within the mail, you are tardy, they jack your interest rate -- or your mutual fund investments suddenly take a turn for the worst). 70% of associates live paycheck to paycheck, they shouldn't be playing that game. grasp debt free, your life will be simpler, you'll own peace of mind. then you can put your money to work for you..
Source(s):
www.daveramsey.com
It depends.

If you find 5% at your bank side but your credit card charges you 10% of interest then the marked answer is debt.

If you get 25% at your mutual fund but your credit card charges you 10% of interest after the obvious answer is reserves.

Top 4 Answerer in Business & Finance. (Vote for me)
it will depend on what debt and how much you earn...if for TRUE estate then you can put more.next you can make money from it.the price is unyielding to decrease.but you should enjoy saving.the most momentous thing is to hide away the money you earn.by the way why not invest the money
If the interest rate on the debt is complex then on your stash...most always is...after you should pay the debt past its sell-by date first because if you do not you are losing money on interest~
The answers you got (regarding the adjectives interest rates between debt and savings) are generally true. If you don't enjoy $1000 in reserves (to cover emergencies), do that first. Then pay past its sell-by date the debts (except mortgage), then max out money (emergency fund and then retirement), consequently pay sour the house.

Dave Ramsey has some interesting info within both his books, "Financial Peace" and "Your Total Money Makeover" with graphs to wager on it up. If you only enjoy a year left in the past you are debt-free, get rid of the debt, next save resembling crazy.
Source(s):
http://www.daveramsey.com
By debt, I presume you mean debt excluding house mortgage. Then consider the interest your paying each month for the unpaid set off on your debt (what is it, 10-12% or more?) and compare that to what your making on the money in your stash account (something resembling 4-5% at best?) Pay the debt. Afterwards, change your lifestyle and start good.
There is some useful warning here.
Source(s):
http://www.debt.jims-info.com/


who do you report suspected scam to yahoo?

Question:

Answers:
abuse@yahoo.com

Other Answers:
you report to the yahoo administration or you can block them by using spam protection.


when is a chapter 13 collapse discharged, if it be chock-a-block contained by 2002?

Question:A friend of mines husband filed liquidation in 2002, lower than the old regulation, he had a 5 year repayment plan. The liquidation ends in Febuary 2007, when is his liquidation dischared so they can look to buy a home, the morgage company wants a discharge weekly from there trustee. any relieve would be great.

Answers:
The discharge won't occur until your friend's husband have completed all of the payments required lower than the plan. It might also be possible to convert the case to a Chapter 7 and win a discharge sooner, but they must seek guidance from a qualified bankruptcy attorney.


Where can i buy stocks online at?

Question:

Answers:
scottrade.com

Other Answers:
try my personal fav.

www.scottrade.com
I've used ameritade, and love it.
Unless you're EXTREMELY wealthy (or own the company), you shouldn't own individual company stocks (certainly not more than 5% of your portfolio). Remember Enron?

Mutual funds are available surrounded by a HUGE assortment of sizes and price ranges for every level of investor (conservative to aggressive). Check beside your bank or even use one of the companies mentioned above (scottrade, ameritrade, etrade).

Just steer clear of individual company stocks. You will never predict the open market better than a trained fund manager next to several people working beneath them keeping an eye on each industry, sometimes, individual companies. Check out the movie "Wall Street"


how do i direct deposit w/ a hoard sketch?

Question:i have a funds account w/ heritage trust and they gav me this payroll request form for direct deposit what do i do beside it and also what do i put in the commotion requested section of the form?

Answers:
When you request the direct deposit form it should hold a line where on earth you can designate checking or savings. If not ask the personality who gives you the form and your dune.

Other Answers:
Give it to your employer and ask them what to do with it.
Open checking narrative
You have to direct deposit into a checking portrayal.
you fill out your side number and your aba routing number . thats usually about it
u enjoy to get a form from ur charge to be fill out somtime by u or ur wall it all depends on ur position or ur bank consequently u have to capture the tracking number and acct number so that it may be sent to ur account or aprroved by ur hill.


Why Plan for retirement?

Question:

Answers:
You're going to be retirement age before you know it. Trust me, natural life is a lot shorter than you realize. When I be 25 years old, I thought it be a long time to retirement.

Guess what? I've been retired for 10 years and I am extraordinarily glad I planned for retirement. My wife and I have no financial woes and can soak up life. No profession, no meetings, no unyielding to get along near co-workers, no dumb bosses.

One final note, because I planned for retirement, I retired at 59 fairly than 62 or 65 or 70.

Other Answers:
So you don't have to work for your complete life, and you can do things when your elder and not working.
When you are infantile you don't think of outmoded age, you spend your money as if there be no tomorrow. If you have a plan you hide away some of your money which will make you competent to
live a happier, may be healthier go. Do things which you
couldn't do while working because of lack of time.
Answer - YOU WANT TO MAINTAIN YOUR STANDARD OF LIVING –Otherwise live within a retched, smelly, dirty, noisy, prehistoric folk home or how bout the street. Eventually you may want to retire, or are unable to work when you get 65 or sooner at 55, or maybe not a soul wants to hire an hold fart. I hold a friend that retired at 47 – HE PLANNED AHEAD. You'll want to keep your house or be capable of pay the rent and groceries, utilities and medical bills. Social Security will conceivably give you $2000 per month and 85% of i.e. taxed an extra 25-33% depending on your retirement tax bracket. WHAT WILL $2000 BUY WHEN YOUR 65 OR 70.

Seek employment next to a company that offers a traditional 401K, or better, a Roth 401K and the company will contest part of your twelve-monthly contributions up to 3-6% of your yearly income. The 2-3% interest you grasp on a bank reserves account will not do. Most where on earth I work get a 10% or even much more interest return beside the 401k invested right. If you do not have a 401K you can other invest in a traditional Roth or Roth IRA and mutual funds on your own. Search the internet for guidance columns on "retirement planning". Generally you should be investing 10% in nest egg - WEEKLY, if that’s to much, try 5% for a while and start raising it as you pay packet goes up.

My kids are 24 and 25, they enjoy already started there retirements hoard.
Source(s):
http://www.yourmoneypage.com/retire/retireroth401k.cgi
So you can retire.


does anyone know how i can breed some money on the lattice?

Question:i have be broke for a while.. i lost my job and have a hard time finding another.. the one i get isn't the best... and i need to product some easy money on here.. i know near are ways... someone please help me...

Answers:
The easiest opening if you are the girl. Set up a web cam, post your sexy pictures online and charge poeple subscription tax to visit your site. Use RunEye.com as your marketing tool.

I ruminate you are pretty, you should be able to attrack profusely of subscribers.

Other Answers:
If you don't mind a little work...Ebay is my suggestion.
I made some money comparatively easily near. I just didn't close to the having to travel to the post office and e-mail off peoples items...But very soon I see you can use the USPS to your advantage and hold them pick up your out going packages from your house! so its even easier than ever....try Ebay!
Not likely. If in that was glib money then everyone....I propose everyone would be doing it. Anything you pursue if its entrepreneurial will take time and usually some money. But try eBay. Look around for some out-of-date stuff you can sell. That's a angelic place to start. What special skills do you have? What training enjoy you had contained by the past. These things if identified will lend a hand you in your prod for a new trade. Good Luck!
Depends what you are looking for. Would you be interested in selling products? I cause very perfect money, email me if you would like some more info.
http://www.surfjunky.com/?r=kriss2006
Just buy Yahoo! shares.

Top 4 Answerer contained by Business & Finance. (Vote for me)
this looks like a right find
http://andycaine.richyrich.hop.clickbank.net
You could do cam shows and make some money...
I would recommend you to do Data entry job which is done by simply entering simple data from home. This amazing system allows you to earn $1000 per light of day.
Check the link below for more details.
Hope this help.
Source(s):
http://tinyurl.com/zwspa
How old are you? How is your credit? Invest within Real Estate!
email me @ evionreo@yahoo.com
You have to mind. There are a lot of scam, and even more opportunities that a moment ago don't work. Here are some honest ones that really do pay a check.
Source(s):
http://www.ExponentialProfit.com
try this website. I made $35 the first light of day I tried and its free. Try it it works well and I hold already gotten 2 checks for what I've made. Its free and works well for me so possibly for you

http://www.cashcrate.com/index.php?ref=14863
Can you BELIEVE these guys who are encouraging you to post your "sexy pictures" online and charge people to see them?? Ooh lala, Ashley. I did supply some stuff on ebay before, it is pretty trouble-free.


If you want to draw from a personal loan from the guard, do you call for..........?

Question:to have a details at the particular wall? good credit? what are the pros and cons of a loan resembling this?

Answers:
you don't need an details there, you involve good credit, collateral isn't other necessary.

sometimes they ask for a co-signer

Other Answers:
story with matching bank is superfluous, credit does matter, but not plentifully...

You don't entail to have an story at a bank to attain a loan but you do have to enjoy good credit and some collateral for it to be approved. Good Luck! In the UK, if you enjoy equity like a house - a loan is no problem. If you enjoy regular income like a well-mannered job - no problem. If you enjoy no money, no equity and no job - frozen luck! No one is interested and no one will give support to a loser.... sorry. That is life.


It will help if you enjoy an established bank picture, (chequing and/or savings), as they will know your banking history.

You do want to have upright credit, so that they know you will honour your payment obligation. Your credit history will provide them how you have handle credit in olden times.

The most important subdivision of maintaining and keeping well brought-up credit, is pay your bills by the due date. Anything after, looks sloppy, similar to you are not organized & responsible to handle debt.

A personal loan can be established for so plentiful reasons, reach a deal to your banker, and they can minister to you out.

Good luck.
Source(s):
I am a banker. It is usually easier to bring the loan if you already have a business relationship near the bank, but it is not required. Good credit is enormously helpful, as is an fitting income/ debt ratio.

A personal loan will most likely hold a higher interest rate than a secured loan!




Americans,do you work as several hours as you do because you own profusely of bills and debts?

Question:Americans,do you work as many hours as you do because you hold a lot of bills and debts?
and employer realize this so they can keep wages low because so lots people have need of to work just to pay cheque bills.?? I now reason I know why Best Buy will sell you cool stuff and you don't even enjoy to pay anything for 12 months..cool...

Answers:
Yeah, they hold our wages down so they can screw us royally...work us to death...and next threaten us with dismissal over the slightest little piece...America does NOT take carefulness of its workers!


Most you salaried for gas?

Question:

Answers:
Just travel to Britain and weep: you would reimburse around $1.80 per litre/liter. That's around $6.81 per US gallon.

The relatively low price of gas in the US is one of the reason why the US continues to produce gas-guzzlers and people see no problem surrounded by buying ridiculous SUVs - and why the US is the world's biggest polluter.

Other Answers:
3 dollars and 48 cents.

2.79/gl yesterday--3.39 per gal
Source(s):
this sucks!


$1.10/litre

$3.59 right after 9/11

$2.99, final year. $3.69 just a few months ago....


For our American friends - You may be squealing a bit at the moment, but we are paying close to 10 dollars a gallon. So you know what's instore for you! Don't you?




I call for sustain can anyone inform me where on earth i can attain a loan for 5k?

Question:Look at my other question for details

Answers:
here they hold lists of lenders for relatives in your same situation start relaxing enjoy a look
http://www.wesayes.com

Other Answers:
You have to be worth more than what you owe. If you enjoy to ask, then you must hold a long way to run.
Source(s):
I used to be a farm girl. Loans can be tough.
There is some adjectives advice here.
Source(s):
http://www.all-about-loans.jims-info.com/


I worked at a Mcdonalds within Raton New Mexico they are fragment of Phelan of New Mexico Inc. I stipulation to contact them.

Question:I need to contact them because they used the wrong ssn # on my income toll and I need to correct this due to the social collateral administraton.

Answers:
Call the mgr. at the location you worked at. If he/she can't correct the error for you, you should be directed to the person surrounded by payroll who can.


What should I do? I received a check/money proclaim from the folks that I thought be scamming me.?

Question:Earlier this week I asked was this a scam.

Answers:
yes, I imagine that they are scamming you but curiosity killed the cat you know. It make the hairs on my d¨¦colletage stand up too.. But thats how it is. We sit here and wonder "Is it or isn't it a scam and wish similar to heck it isn't." I 've got someone trying to scam me right very soon too. I wish it wasn't a scam. But approaching I have be told "There is a sucker born every once in awhile." Some one requests to offer to deposit more or less 20 million into my bank report. If they want to draw something out of it, they won't get much. I am of late a poor unwealthy disabled 60 year young woman. Maybe these Nigerians only just think that any we must all be rich or merely greedy. I don't know but I am not happy nearly it. My blood pressure went up from adjectives of the excitement in my none too boring existence. Its not everyday that somebody offers you money close to that. I just craving it weren't a scam. Who wouldn't. You should have your mound check out the moneyorder or take it to the attorney nonspecific if it is a scam. Email Scambait is what I read on the inernet answers. Anyway lol...

Other Answers:
There is a scam which involves you being sent a cheque but it turns out to be for too much money so you telecommunication the extra monay back and after find out the cheque has bounced.

Pay within the cheque and don't make a move until it's cleared through your picture.

Even if it clears that doesn't mean they aren't scamming you. If the contract looks too good to be true it probably is. If it's a great earn opportunity then why aren't they keeping it to themselves and making a mint?

If it's a money order than the money is here.
A check I would want to verify. Maybe contact your bank.


It still may be a scam. Without knowing the particulars here are a few things you should know.

1. Reveal NO personal information, they may want your bank info so currency the check do not deposit it.

2. Check that there is no SMALL PRINT on the check that may sign you up for some unwanted service.

3. Beware that the check may be a confidence builder next to the next step anyone some type of "good faith" deposit on your member to get an even larger check.

4. Remember, nought in energy is free.
Source(s):
School of Hard Knocks Do not deposit the check in the wall...just incase they win your personal information from the bank info that's impressed on the back of the check during processing.

I would lug the check to a place that cashes paychecks. They usually take 10% or smaller amount which isn't much to pay for peace of mind. Some rob as low as 3%. They will take the check and present you cash for it. This style you get the check cashed ASAP in need having to hang about for it and you avoid having to use your personal sandbank account. Let the check cashing company settlement with any problems that the check may explanation...that's what they take a levy for, incase they have problems collecting on the check/money establish. I got burned in recent times a few months ago to the tune of $4000 with a similar scam. It be a certified check, but the check was a phony! Don't take any likelihood. Call the bank that supposedly issued the check and see if it is existing. My credit union did this for me. Otherwise, approaching me, you'll owe your bank alot of money! It's frozen to believe, but lots of people out in that seem to estimate nothing of victimize honest folks.




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