Personal Finance Question and Answers

should i use dosh for a house remodeling project or should i use an equity dash? advantages vs. disadvantages?



Answers:
I agree cash. If you extend to pay the contractor currency he may lower his price

Other Answers:
Cash. You only want to incur debt (which a home equity chain is) as a last resort. Anytime you thieve on new debt, you own the possibility of not being competent to pay for it. Not to mention the certainty that with the home equity stripe, you would be paying interest on the debt that you would not pay near cash.
Cash is best. No aim to pay interest on a loan unless u unquestionably need too.
If you use a home equity column, you are just accumulation 7-8% to the cost of your project. Why would you do that if you didn't have to?
I'd use equity rank, you can claim it on your taxes. So reep the benefits. Keep the cash for something else.

P.S. never retribution cash to a contractor. You other need something to trace.


How to draw from money assured for a minor?



Answers:
Why do you want easy money. Why don't you work firm for your money. The harder you work, the more money you will earn. As you grow up, you will learn that at hand is really no such thing as effortless money.

Other Answers:
Mow lawns, ask parents and if you are 16 , get a brief at a fast food collective.
How old is this minor...?

If you're 15 or 16+, shift get a situation...McDonald's hires at 15 (with limited hours) I believe. Grocery stores may hire at 15 as sackers/baggers.

Otherwise, step so some chores or something. Mow laws, pick weed, babysit, wash cars.

You'll digit it out.


wedding ceremony from hell(repost)?

Hi all i'm 39yr hoary, gulfwar vet.and ex goverment employee.. and immediately retired do to gulfwar illness(medical). My problem is i'm going through a divorce and have a 50/50 accidental of losing 1/2 of my pay,do to alimony and child support my reimburse is in the 40 opulent range presently i need to know should i bequeath up my med. retirment to go rear to work or try to make it on a 20 imperial salary..i hold child support to pay which will call a halt in smaller quantity then 5 years..which sould present me about 28 august a yr to live off of after child support ends..i know u are asking why do i enjoy to pay so much.. all right she(my wife) refuse to work and say she is to old to work shes within her upper 40s..been married for almost 20 yrs and yes she did work at 1 time.. what should i do work or stick beside my retirement..(if i give up my med retirement i might go and get it back if i obtain sicker...

Answers:
Have you ever heard its cheaper to maintain her. Have you tried working it out b/c otherwise you are going to lose a lot of money. If you can't work it out try finding a better advocate to help you.

Other Answers:
I hope you're already seeking the counsel of an attorney . . . that is your best bet. Laws are contained by place to govern all of this - to protect her and the children AND you. Don't forget that you hold rights too.

Are you well satisfactory to work? If so, I'd cast a vote for working. I don't ever condone anyone living bad of assistance just because they can.


where on earth on the pattern can I revise give or take a few morning trading?



Answers:
There is a great website called Sharebuilder.com that will front you through what you need to know. They enjoy a great starter kit that costs more or less $50.00 but they give you a $50.00 warrant to purchase stock with. It is a immensely well executed website and the documentation should point you contained by the right direction.

Other Answers:
www.fool.com


As a Nigerian residing within Abuja,Nigeria how can I seize a true give in for mushroom agriculture.?



Answers:
I have a ogre in Nigeria who can catch you a grant for a small levy, cash solitary. Believe that, and I'd like to flog you the Brooklyn Bridge... : )


How to verbs bread amount from portrayal to side thru this internet?

Transferring some amount from my account to another justification on the same hill, is it possible?

Answers:
most banks allow that on the wall website. you need to enjoy a password and log on id for your story.

Other Answers:
Set up a paypal account for both accounts. Send the money to payal from one explanation and then repeal it into the other. It may take a few days, though.


What made Bill Gate so rich? Why did he drop out of Harvard university?



Answers:
He may just rein as Supreme Superior Master Marketeer/Exploiter. Who wants college when you find your true purpose in go!What ever patents,trademarks or copyrights he obtain was his endorsed right to do so! His dads was a corporate legal representative that might have help more that many general public conceive!

Other Answers:
MS DOS licensed to IBM but reserving all rights to it.

Guess he didn't necessitate a college degree to do what he be doing. Smart guy!


How do I find a financial advisor I can rely on and trust?



Answers:
the first answer is exactly how i feel. feel about it and consequently start reading... bobbrinker.com is a good place to revise a lot nearly investing... read his recommended reading list books. if you do that, you will know more than any advisor you could hire.

apposite fortune!

Other Answers:
I know this will sound bitter, but my own experience is that there's one and only one place to find such a person and specifically by looking in the mirror.

I hold yet to encounter a financial advisor who get into the business becuase she or he cared something like people more than money. Those who put money first put their OWN money first; they variety sure to make money for themselves. If you put together any, well, that's a moment ago gravy.

I suppose if you could find one who would put people first, that creature might really care just about making money for YOU because that's what you came to that character for. All I can say is, moral luck finding such a person.


How would I sign a check that I considered necessary to hold deposited surrounded by my father hill reason?



Answers:
You can deposit money/or checks in anyones sandbank account as long as you hold the account number -you dont own access to take any out. - As for a check if its written to bread either of you can sign -if its written to you -only you should sign it - If its written to him simply he can sign it - your signature should not be on it- but if it is written to you both then you will want both signatures to deposit it as for cash -well that should be a no-brainer

Other Answers:
Sign your first name, then own him sign his name, afterwards let him deposit it.
are you making the check? issue the check contained by your father's name,kind it a cross check with your father's vindication number and deposit yourself; or if the check was issued within your name, back up the check and deposite in your father's commentary. you must know the account number and mound
If it's a check written to you, then you will call for to sign it, then underneath your signature write "Pay to the instruct of (your father's name)" and then the picture number you want to deposit it into. Or you father can write the account number on it.
Source(s):
Something I literary from my bank oodles, many years ago.
Before you open a current account, the ridge will ask you to sign your specimen signature as proof should any of your checks be sent in for clearence. That is one and the same signature you should use to sign a check you want to deposit into your father's bank article,to avoid the bank rejecting it as a stolen check signed not according to the specimen you give formerly.
just write " for deposit only" along near his acct. number!
If its your check your writing just put down your father name and bring his bank justification number. Anyone can deposit into anyones account but singular the people who are on the vindication can make monetary withdrawal.


Would you present up sex forever for 1 million dollars?



Answers:
Well, For a million dollars (and it better NOT be in pesos!), I'd "say" I give it up...

Hmmm...

They're not going to have me lower than perpetual anti- fornication surveillance, are they?

*I think a better cross-examine would be, "Would you give up 'enjoying' sex for 1 million dollars? Because anytime you exchange monetary compensation for any type of sexual favor (no event how peculiar) and even if you enjoyed it, (or merely pretended to) it's become a "business transaction." Where's the pleasure contained by that?

Other Answers:
Yup.
no
yep, i can touch myself still right?
No shot. One million dollars isn't much these days and plus...sex is goooood.
Hell, yeah.
Thinkin' something like givin' it up for nothing anyhow...
Never back i'm old and sick
Yes. uhhhhhhhhhhhhhhhhhhhhhh oh crap! NOOOOOOOOOOOOOOOOOOOOOOOOOO i do not know such a thorny question. :( if it be more.................maybee like 917419+4198+419+419 billion dollars heck yes.
1 million isnt even that much right immediately but i could if i felt approaching it but i want kids so i wouldnt
My wife would,but me hell no.Who know that you had sex even if you took the million?
depends on what you outline as sex
Hell No!
Yes,but just similar to forever marriages today that second even for a few weeks, I would give it up forever as long as it's no longer than a month.
I'll to check near Sharon Stone before I can answer this press.
No way !!
No
profoundly of girls go for a man beside wealth. presently what would be the use of having a million dollars that every woman would approaching to have partially of, and not have sex beside any of those women? on the other hand, they can't maintain you under surveillance 24/7 right? next to a million dollars you can buy security and "persuade" the rulemakers to agree to u have sex.
YES - but slowly over the subsequent 60 years as my prostate, etc., start failing. :-)


P.S. How many Viagra's can you buy next to a million bucks?
No way!
I would for 1 billion. What would Chuck Norris do?
If I can confer it up from like age 70 on, after yes, I would.
Hell, I did it for free when I married. Damn right I'd do it for a cool mil...

...mas'bation count?


Based on your own finacial conditions, what guidance do you hold for an 18 year out-of-date?

I just turned 18 years old-fashioned on January 11th and I noticed how tons people truly have finacial regrets. So, I be wondering if you had any warning for me... thanks!

Answers:
Stay away from credit cards! Only buy what you can afford

Other Answers:
Always live below your resources. Excessive spending is the path to financial regret.
Source(s):
ME
GO TO COLLEGE AND GET YOU A GOVERMENT JOB GOOD PAY GOOD BEIFITS OR JUST JOIN THE U.S.M.C
AS AN EIGHTEEN YEAR OLD YOU ARE NOW OPENED TO THE OUTSIDE WORLD AND WORKING TOWARDS YOUR CAREER CHOICE IS THE GREATEST ADVICE I COULD GIVE AND IF YOU DON'T HAVE ONE IT'S BEST YOU START SEARCHING
Pay for it bread! You cant go wrong beside cash. If you take a credit card, get one that have no annual fee or devotion fee. And an interest rate explicitly under 10%. 10.99 is too much. Pay sour your balance previously the due date (ALWAYS!) NEVER go over your mark out.

It should be easy for you to find a credit card if you are a college student. That is how I got mine when I be 18.
Save 10% of what you earn.
You'll be able to retire by 50 well
save every extra cent you're not here with it add up trust me
I had great credit when i be 18 (well, as much as I could at that age, anyway). My credit kept getting better and better - which normally means more credit cards and high spending limits. Know when to stop! Don't over budget. Pay bills ontime is probably one of the most big.
Source(s):
when i was buying a house - the loan officer kept wise saying how important it be to make timely payments. (for ex., she have a client who had money, but be lazy on making timely pmts, so they have a very low credit score)
Use dosh, buy what u can afford. In case of emnergency usae a credit card for an amount u know u can remuneration off up to that time the due date. And, sav eat least possible $25.00 a week.
Source(s):
bankrupcy
Don't spend more than you can afford.
GET A CREDIT CARD (to build good credit)but take-home pay it off contained by full each time.
Save as much as you can.

Here's three words for ya: MONEY MARKET ACCOUNT.

I hold no regrets, I have money and spend it responsibly and you can do the same next to good judgement.

SUGGESTION TO YOU: Read the book call "Smart Women Finish Rich" by David Bachman.

GOOD LUCK.
Get a computer program to help track your finances and use it religiously. Microsoft Money or Quicken are devout examples.

Credit cards are ok as long as you are sure to pay them rotten every month. A good method to improve your credit rating is to hold a credit card and use it to buy very minimal things so you can be sure to compensate it off every month.

If your employer have a 401K plan where they game your contributions, use it to get started on your retirement. Free money is sturdy to come by. Don't expect Social Security to be around when you retire.
Source(s):
Personal Experience
1. Do everything you can to avoid credit card debt, especially while you are in college.

2. Don't steal out more student loans for college than you need. For example, living off-campus is usually cheaper than living on-campus. If you choose to live off-campus, you grasp room and board money from your loans, which is usually more than you need. Immediately settle back the portion you don't stipulation.

3. The minute you start working (other than work study for school) start putting money into a retirement account, even if it is a small amount. The sooner you start abiding, the more time that money has to grow.

4. In college, win a major that can acquire you a job. (Nurse, Engineer, Teacher, etc.) This doesn't mingy not to major within english if that is your true agitation. But have a backup plan. Double focal if you have to.

5. If you know you will be going on to graduate academy, pick an undergraduate program that is smaller amount expensive if you can.
If you can go to college do so and pocket some accounting and finance courses. A business conditions will serve you well. I hold no financial regrets whatsoever, retired in my mid 40's and presently just invest and trade stocks while watching my kids grow up. It's a wonderful thing....

ps - worked my butt sour for many years surrounded by various businesses, mostly my own.


Credit Counseling Suggestions?

Looking for a reputable effective credit counseling service. Searches online enjoy turned up weird telemarketing type responses that I don't trust my personal info next to.

Answers:
check your local phone bood for consumer credit counseling services. check with the BBB to label sure the one you choose is reputable. good luck.

Other Answers:
This is who I go through!! Just make sure you hold every credit card bill and things like that when/if you beckon them!
Source(s):
http://www.incharge.org/Credit_Counseling/GettingStarted/Default.aspx?vdn=8055&kw=consolidation%20debt&gclid=CNTP64Hu3oMCFQQnNAodNQNW6g&bhcp=1


will i ever gonna acquire rich by doing bussiness contained by internet?

i am trying to find out some way to sort me earn some money from the internet, i'm an undergraduated student. if you have something to share near me about my examine i will be very glad to response..

Answers:
Well, to be moderately honest, I've never known anyone who have made a living with an internet business. That is not to right to be heard that it can't be done. However, I have my own business, which is doing relatively well. I put a bit of money into it to return with started, and I am doing great. I am a DJ/KJ..(KJ-karaoke) and it took a few years to get it past its sell-by date the ground. Now it's to the point that I'm double booked, and (thank God for me having 2 systems) I can pretty much maintain up on shows. It just take a lot of time and endeavour to get your own business going. Good luck!

Other Answers:
Avoid cliche businesses (like the ones you see on TV - eBay, middle-man sales). It take a miracle to get any traffic to your site or auctions if you are selling duplicate products that 1200 other people are selling.

Try a consultation business, or market what you know. I have be a commercial artist for years, and do great earning extra money through a web-based announcement design firm.

For instance, if you are a business major, start a web-based paperwork consultation business. If you are a history major, start a web-based research business. You achieve the idea. :)
Stay contained by school
Unfortunately most of these work-at-home scheme you hear about are scam. This is what the Better Business Bureau says:
Source(s):
http://www.bbb.org/alerts/article.asp?ID=436



what should i doooooooo?

Hi all i'm 39yr older, gulfwar vet.and ex goverment employee.. and presently retired do to gulfwar illness(medical). My problem is i'm going through a divorce and have a 50/50 accident of losing 1/2 of my pay,do to alimony and child support my wage is in the 40 dignified range in a minute i need to know should i afford up my med. retirment to go final to work or try to make it on a 20 imperial salary..i own child support to pay which will conclusion in smaller amount then 5 years..which sould distribute me about 28 imperial a yr to live off of after child support ends..i know u are asking why do i enjoy to pay so much.. very well she(my wife) refuse to work and say she is to old to work shes within her upper 40s..been married for almost 20 yrs and yes she did work at 1 time.. what should i do work or stick beside my retirement..(if i give up my med retirement i might capture it back if i capture sicker...

Answers:
If she is in her upper 40's and say she is too old to work, afterwards tell me how it is I am working at the age of 51? There are job for anyone.. even lazy appropriate for nothings who only want to transport advantage of their soon-to-be ex-spouse.. that basically stinks to high glory. Personally, I would say to maintain the med retirement and get by on the 20K for in a minute. And talk to your attorney about why she can attain by without working when she is without blemish capable..if she is, as you would expect. sorry, but that just ticks me bad.. she puts a bad describe on the rest of us women who DON'T try and take supremacy of our exes.. I wish you polite luck.

Other Answers:
If you make more money working would she bleed you for more, or would it be a fixed settlement? If she's going to get a percentage of anything you fashion, then I'd be liable to let her stew contained by her greed and scrape by surrounded by poverty and see how she likes it. Maybe that would achieve her off her duff.
Work for me and collect your pay in Cash.


do you bleven ghoost?

jkoj

Answers:
What's bleven ghoost? Is that something I do or something I see?

Other Answers:
the video game?
boo
no
If you be going to ghosts, next no I don't
i do, email me at tootie2369@yahoo.com
no way
no why
NO WAY JOSE!!!
no i dont
no. but i know culture who do and they are scared of them.(what can they do to you it's not resembling they can pick up a machine gun and decimate you.)
Source(s):
me
why? are you one? no i dont they always fib..ha,ha
i like how you spell believe within lol
No, but I believe in the Spirit of Spelling, which will lair you until you learn to spell!
No I do not.
i don't even think through what your saying??
NO!!
Maybe .....sometimes.....no not realy!
Source(s):
DO YOU??
Indeed. Blevening ghoosts is a markedly interesting pastime.
Ghoost are nought but fiction. they are not spirits of the dead as most general public claim but some wicked angels trying to misled society.
josh23d@yahoo.com
As much as god and the easter bunny.
i dserve beest ansewr.
Source(s):
just kid or joking
Do you believe within spell check?
I believe that there is some phenomena that we perceive as ghost. I don't know what it is.
i don't, but i no of a random child that I've never met past, and she said that she met my great grandma Bessy, who is dead, whilst she be playing on her rocking horse
If there be such a thing as ghost, then this would contradict several biblical truths. It would obviously imply that departure is not the end of go. This part is true. However, the King James Bible teach that when a person dies, if he or she is a blood of the Lamb bought child of God, he in a jiffy goes to be beside the Lord his Saviour - “having a desire to depart, and to be with Christ; which is far better” Phil. 1:23; “We are confident, I enunciate, and willing to some extent to be absent from the body, and to be present beside the Lord.” II Cor. 5:8.

To say that ghost exist, is to deny that at physical death one any goes directly to be next to the Lord Jesus Christ, or he goes directly to hell.

In Luke 16 we read of the rich man that “he died, and was buried; and surrounded by hell he lift up his eyes self in torments.” This condemned man be told by Abraham that “between us and you there is a great gulf fixed: so that they which would slip away from hence to you cannot; neither can they pass to us, that would come from thence.”

God seem to have placed a enclosure of some kind that prohibits the condemned from disappearing this place of torment. They cannot go stern to the world of the living and wander around as ghost.

We are also told in 1 Peter that Christ go in the Spirit and preached unto the spirits surrounded by prison which were disobedient surrounded by the days of Noah. Man has a spirit and a soul. Those who are redeem are referred to as “the spirits of just men made perfect” Hebrews 12:23, while the others are call “the spirits in prison”. There is no escape.

There seem to be some evidence that a very few of the righteous inert may have be permitted to revisit the living, as with Samuel within 1 Sam. 28:12 and Elijah and Moses at the transfiguration of our Lord in Mat. 17. But surrounded by neither case are they referred to as ghost, but were renowned as who they were even by race who had never see them before. They know them to be Samuel, Elijah and Moses.

It should be noted that these examples occured before the extermination, burial and resurrection of our Lord Jesus Christ.

Westcott and Hort, whose very different Greek course book forms the basis of most modern version, were themselves involved within the occult.

Westcott and Hort belonged to what Westcott's son referred to as "The Ghostly Guild." Westcott took a leading role within this society and its proceedings, the purpose of which was the investigation of ghost and other supernatural appearances. They believed that such things existed.

Concerning this society, Hort wrote to Rev. John Ellerton on December 29, 1851: "Westcott, Gorham, C.B. Scott, Benson, Bradshaw, Lauard, etc., and I have started a society for the investigation of ghost and all supernatural appearances and effects, man all disposed to believe that such things really exist, and ought to be discriminated from hoaxes and mere subjective disillusions."

Such is spiritism and is really forbidden by Scripture.

Can you imagine my shock when I begin to examine the modern version bibles and found that the NKJV, NASB, NIV adjectives refer to ghosts? The NKJV does this twice, the NASB three times and the NIV four times.

All of these version change the purpose of Matthew 14:26 and Mark 6:49. The KJB and Tyndale 1525, Coverdale 1535, Bishops' Bible 1568, the Geneva Bible 1599, Webster’s 1833 translation, the Third Millenium Bible and the 21st Century KJB all influence: “And when the disciples saw him walking on the sea, they be troubled, saying, It is a SPIRIT; and they cried out for dread.” The word here is fantasma, and it something that appears to the sight. The RV, Darby and Young render this as “an apparition.” But the NKJV, NASB, NIV read aloud: “It is a GHOST.”

We know from other passages that deceiving spirits, and other spirits of angels can appear within a visible form. “He maketh his angels spirits” and they are “ministering spirits sent forth to minister for them who shall be heir of salvation” Hebrews 1:7,11.

The book of Job mentions in chapter 4:13-16 “In thoughts from the vision of the night, when vast sleep falleth on men, Fear came upon me, and trembling, which made adjectives my bones to shake. Then a SPIRIT passed before my frontage; the hair of my flesh stood up: It stood still, but I could not discern the form thereof: an sign was previously mine eyes, there be silence, and I heard a voice dictum, Shall mortal man be more just than God?”

1 Kings 22 presents us next to another example of a spirit which came forth and stood until that time the LORD and was sent to be a lying spirit surrounded by the mouth of the false prophets. This was an angelic human being, and not a man.

So, when the disciples cried out at seeing Jesus walk upon the marine, they thought they were seeing a spirit, not a phantom.

The NIV alone of the four principal versions we are looking at, change the KJB, NKJV, NASB reading in Luke 24:37, 39. Here the Lord appears to his disciples after his resurrection. It is record that they were fearful and supposed that they had see a spirit. Jesus said “Handle me and see; for a spirit hath not flesh and bones as ye see me have.” Here the NIV say:"thinking they saw a ghost" and "a ghost does not own flesh and bones, as you see I have."

Perhaps the worst example of giving credence to the false concept that such a thing as ghost exist is found in the NASB, NIV, the 2003 Holman Standard, and the Message. In Isaiah 19:3 God is bringing acumen upon Egypt. He says contained by verse three: “And the spirit of Egypt shall go amiss in the midst thereof; and I will verbs the counsel thereof; and they shall seek to the idol, and TO THE CHARMERS, and to them that have decipherable spirits, and to the wizards.”

All of the spiritual resources of Egypt were close to so many New Agers today. The spirits of devils who fool through necromancy and channeling of spirits. These are evil spirits of Satan.

The versions that read along near the KJB’s “Charmers” are the Revised Version of 1881, the ASV of 1901, 1936 Hebrew- English, Young’s, Webster’s, Third Millenium, KJV 21, Hebrew Names Bible, and the NKJV. Other versions, even the RSV, and the 2001 ESV are above-board and read either diviners, sorcerers or medium. But the NIV has they will desire to the “spirits of the dead” and the NASB has “they will resort to GHOSTS OF THE DEAD.”

The current Holman Christian Standard says: "they will wish GHOSTS, SPIRITS OF THE DEAD, and spiritists." The Message says: "they'll conjure ghost and hold seances."

No one, especially a devil controlled medium or charmer, can communicate beside the spirits of the dead or ghost! The dead are any in hell right immediately, with no instrument to get spinal column, or they are present with the Lord, and indeed will not be sent to give a devil inspired message to the living. The NASB, NIV, Holman, and The Message present this impossibility as though it be true.

The supposed existence of ghosts is person promoted today by popular movies, books and radio programs like Art Bell’s. This is a New Age Satanic pretend. There are no ghosts, and the fingerprints of Satan can be see in any bible text that gives credence to the perception that there are such entities.

The subsequent time you hear some New Age wacko tell you that ghost are found in the Bible, put in the picture him they are not at all found surrounded by the true Holy Bible, the King James 1611 Version.

Do Ghosts Exist?
no no no the question is.... what does my blevening contained by ghoost have to do beside personal finance?
:p
nope y? do u ? lol its pertty hopeless if u do
I bleven you have a ghoost contained by your head.
I don't believe contained by ghosts. But i believe that the spirits of the deads and the spirits of our loved ones are arround us.
jkoj? what the hell is that crap?you inevitability to learn to spell retard. and no i dont "belevn" or anything you said but i DO beleive in spirits.


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