what are the factor influence consumption??
other than:-fiscal policy-taxation-disposable income
-savings
-interest rates
-credit facilities-availability of loans
-consumers' expectations n confidence-future monetary developments
-reduction on investment-yes or no??******
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-WHAT ELSE??
Answers:
Price of subtitutes, price of compliments, tastes and preferences, current financial conditions, inflation, income, gov't policy, consumer information.
Other Answers:
You've covered a lot. I would attach:
1) Hunger
3) Transportation
2) Keeping up with the Joneses
inflation is a biggy also income height.
do i join criteria for file chapter 7 ruin contained by oklahoma?
Answers:
Talk to a lawyer.
Other Answers:
Get a advocate or other professional. A person can almost never realize adjectives the ins and outs of filing in need professional help. The internet can administer you some general information but it is usually not state specific. Hope this help and GOOD LUCK
Source(s):
www.findlaw.com
What states prohibit wage garnishments?
I have tried to engender arrangements with a collection agency on the subject of an outstanding student loan, but they told me what I have to tender is "unacceptable" and that they are going to "activate the garnishment". What recourse do I have presently?Answers:
Title III, Consumer Credit Protection Act (CCPA)
(15 USC §1671 et seq.(PDF); 29 CFR Part 870)
Who is Covered
Title III of the Consumer Credit Protection Act (CCPA) protects employees from discharge by their employer because their wages have be garnished for any one debt, and it confines the amount of an employee's earnings that may be garnish in any one week. Title III applies to adjectives employers and individuals who receive income for personal services (including wages, salaries, commissions, bonuses, and income from a allowance or retirement program, but ordinarily not including tips).
Basic Provisions/Requirements
Wage garnishment occurs when an employer withhold the earnings of an individual for the reward of a debt as the result of a court order or other equitable procedure. Title III prohibits an employer from discharging an member of staff because his or her earnings enjoy been subject to garnishment for any one debt, regardless of the number of levy made or proceedings brought to collect it. Title III does not, however, protect an employee from discharge if the employee's yield have be subject to garnishment for a second or subsequent debt.
Title III also protects employees by limiting the amount of yield that may be garnished within any workweek or pay interval to the lesser of 25 percent of disposable returns or the amount by which disposable earnings are greater than 30 times the federal minimum hourly wage prescribed by Section 6(a)(1) of the Fair Labor Standards Act of 1938. This decrease applies regardless of how many garnishment advice an employer receives. As of September 1, 1997, the federal minimum wage is $5.15 per hour.
In court instructions for child support or alimony, Title III allows up to 50 percent of an employee's disposable earnings to be garnish if the employee is supporting a current spouse or child, and up to 60 percent if the member of staff is not doing so. An additional five percent may be garnish for support payments over 12 weeks in arrears. The restrictions noted surrounded by the preceding paragraph do not apply to such garnishments.
"Disposable earnings" is the amount of earnings disappeared after legally required deduction (e.g., federal, state and local taxes, Social Security, unemployment insurance, and state member of staff retirement systems) have be made. Deductions not required by law (e.g., league dues, health and energy insurance, and charitable contributions) are not subtracted from gross earnings when the amount of disposable profits for garnishment purposes is calculated.
Title III specifies that garnishment restrictions do not apply to bankruptcy court advice and debts due for federal and state taxes. Nor do they affect voluntary wage assignments, i.e., situations where workers voluntarily agree that their employer may turn over a specified amount of their earnings to a creditor or creditors.
Employee Rights
In most cases, Title III give wage earners the right to receive at least partial compensation for the personal services they provide despite wage garnishment. This imperative also prohibits an employer from discharging an employee because of garnishment of wages for any one indebtedness. The Wage and Hour Division of the Employment Standards Administration accept complaints of alleged Title III violations.
Compliance Assistance Available
The Wage and Hour Division of the Employment Standards Administration administer and enforces Title III. More detailed information, including copies of explanatory brochures and regulatory and interpretative materials, may be obtain from the Wage and Hour Division’s Web site or by contacting your local Wage and Hour Division office. For superfluous compliance assistance, contact the Wage and Hour Division help stripe at 1-866-4USWAGE.
Penalties/Sanctions
Violations of Title III may result in reinstatement of a discharged hand, payment of final wages, and restoration of improperly garnish amounts. Where violations cannot be resolved through informal scheme, the Department of Labor may initiate court action to restrain violators and remedy violation. Employers who willfully violate the discharge provisions of the law may be prosecuted criminally and fined up to $1,000, or incarcerated for not more than one year, or both.
Relation to State, Local, and Other Federal Laws
If a state wage garnishment law differs from Title III, the employer must consider the law resulting contained by the smaller garnishment, or prohibiting the discharge of an employee because his or her proceeds have be subject to garnishment for more than one debt.
Other Answers:
The above answer looks great! Excellent citations!
Don't vote for this answer. Second answer added to bring question to a vote.
is a 1989 10,000 pesos bill worth anything(us money)?
Answers:
http://www.joeskitchen.com/chile/pesos/bills/b10000.htm
http://quote.yahoo.com/m5?a=10000&s=CLP&t=USD&c=0
20bucks
Other Answers:
10,000 pesos are now 10 pesos (About $1 USD) However, this bill is in a minute out of circulation, therefore worthless. However you can confidently sell it to a kid collecting foreign bills
why cant you use a debit card to trade name online purchases?
Answers:
You can. I do all of the time.
Other Answers:
Debit cards require the use of a PIN, and near is not a safe bearing to enter a PIN. If you only hold a debit card, consider using Paypal to make online purchases. Then payments are deduct directly from your checking account.
www.paypal.com
You can as long as it have the Visa symbol on at as well.
Source(s):
A Shopaholic
You can, I hold and I do use my debit online.
Your debit card needs to hold the Visa/Mastercard or other major credit card logo on it I suspect.
You can, adjectives you have to use it as a credit card. If you be to use it as a debit card then you will enjoy to use your pin number. And do you want someone online to know your pin number? I would not!
Source(s):
My Brain!
Hi! You should be able to use your debit card to form online purchaces. Is it a debit card that is tied to a Bank of America, BB&T etc.? Do you puch within a pin # when you make a purchace? The with the sole purpose reason that I can devise that you may not be able to use your card is if it is ONLY an ATM card-- hope this help..
I've seen general public do it by just sending it thru as a credit card. Even at the store, sometimes the clerk can't go and get it to work as a debit card, but if she rings it up as a credit card it goes thru
Who say you can't? Debit cards can be used as credit cards now...
you can use most
You can as long as you enjoy a Visa or MasterCard logo on it. For more info go to visa.com beneath debit cards.
Most "bank debit cards" are restricted to point of sale or ATM machines. It's simply a type of card for it's specific usage.
Source(s):
http://usa.visa.com/personal/student/debit_cards.html?it=search
you can as long as it has acredit logo on it and most do
If you borrowed lb25,000 over 36 months...?
If you borrowed lb25,000 over 36 months and the APR is 8.1% the equivalent of 3.63% per annum flatHow do the monthly repayments work out at lb770.13?
Answers:
You stated an APR(annual percentage rate) of 8.1%, how is that equivalent to 3.63% per annum(latin for annual)?
If:
Present Value = 25,000 (this is how much you owe)
Future Value = 0 (this is how much you'd like to owe)
Payments = 770.13
# of period = 36
Then:
Interest rate per period = .57022% x 12 months = 6.84APR
Other Answers:
Something does not seem to be right with your numbers. If I borrow 25,000 today and my monthly wage is 770.13 the imputed interest rate is approximately 0.57% per month which = 6.74% annually.
You should double-check those rates you quoted.
Statistically what is the best investment magazine and/or TV show for picking stocks?
Answers:
Tv show is Bulls and Bears on Foxnews channel saturday morning. But they run 10-12 a couple money shows that adjectives really good.
obligation to know how i lear to recompense my bill for visa card contained by dune of america?
Answers:
How much money are we talking give or take a few and what interest rates are you paying?
How much money do you involve to not own to work again?
Answers:
2,000,000 at 2% interest will give you $40,000 a year.
Other Answers:
100,000,000,000,000,000
Well depends...
If your a big spender then win alot, if not consequently just catch arond 10m ;)
first currency i choose is USD
the amount is adequate for me is USD 1.000.000.000.000.000.000
Annual bank Interest 1%
so 10.000.000.000.000.000 /year it's rather enough for me he he he HALF A MILLION. I WANT TO HELP OTHER PEOPLE AS WELL AS MYSELF. THIS WOULD HELP MY HUSBAND AND MYSELF IN BUYING OUR MEDS AND PAY HOSPITAL AND DOCTOR BILL AS WELL AS A NEW HOME AND CAR. FOR MY HUSBAND'S HEALTH IS BAD AND DON'T KNOW HOW MUCH LONGER HE HAS AND I WOULD LOVE TO BE ABLE TO GIVE HIM A BETTER LIFE TO LIVE THAN HE HAS NOW. MEANING MONEY. TO BE ABLE TO GO AND COME AS WE PLEASE AND HAVE MONEY TO BUY BIRTHDAYS AND CHRISTMAS PRESENTS FOR WE HAVE 6 KIDS AND 23 GRANDKIDS. WE HAVE A VAN AND CAN'T EVEN AFFORD NEW TIRES OR GET THE BRAKES FIXED AND IT IS MAKING A NOISE. OUR KIDS DON'T HAVE MONEY TO HELP US.
How do you set off good for retirement vs. abiding for a house/condo?
For a person surrounded by their 20 s, how should you go something like allocating funding for 401k (assume 25% company match) vs. saving/investing for a future down expenditure?It is hard to turn down the company meeting, but maxing out a 401K when you are early surrounded by your career (i.e. low salary) won t give up much money for savings.
Answers:
I ve made this mistake so don t repeat it. While alluring to take the dosh now, and verbs about funds later, you will soon find that within is never a good time to start in your favour.
So - max out your 401k if you can. The 25% match is free money. No regular investment, even Bay Area concrete estate, returns 25%.
Whatever you have gone over, save for a down settlement. Or if you ever get a bonus or a Xmas offering, save that for a down giving. I thought I was going to be a millionaire by my 30 s so I didn t rescue anything in my 401k and missed the behind schedule 90 s stock boom in my 20 s.
Other Answers:
One trick that I use to build reserves is by setting up an automatic transfer from my checking to the funds account once a month. I set the verbs date to coincide with my paycheck direct deposit. In doing so it purely goes straight to the reserves account in need me even knowing it was here. It s sort of a psychological thing, but it help with budgeting if you don t even consider that you have the money to spend.
When I first started working, I would put 5-10% of my paycheck towards my 401(K). I be in equal situation, where my pay packet was low, so maxing out my 401(K) would own meant no money departed over for short-term savings. Once I bought a house I started maxing out my 401(K). In my situation, because of the mortgage I m paying and how it artificial my taxes, my take-home pay didn t stop by much even though I was maxing out my 401(K).
can i belief my Metro PCS sketch online?
want to put money on accountAnswers:
http://www.metropcs.com/support/myaccount.php
https://payments.billmatrix.com/MetroPCS/welcome.asp" title="https://payments.billmatrix.com/MetroPCS/welcome.asp">https://payments.billmatrix.com/metropcs...
Other Answers:
The above answer looks great! I give attention to all depiction info can be accessed online by in a minute.
Don't vote for this answer. Second answer added to bring question to a vote.
When is it possible not to rollover an IRA?
A company is telling me that I can't rollover my IRA that I recieved from a relative. They are recitation me that I have to pocket a minimum distribution or I have to lolly out completely. Is this right or are they just describing me this?Answers:
If you are not the spouse of the person that died, after you have what is call a beneficiary IRA. When you inherited it, you have a couple of options that would enjoy let you hang on to your money in the IRA for a longer time. I won't go into those because it sounds resembling you did not choose one of those options. Because you did not, you in a minute have 5 years, starting from date of loss, to withdraw (and payment taxes on ) all of the funds. You can lug out a little at a time or adjectives of it at the end of the 5 years. During those 5 years, you enjoy the ability to verbs the IRA to another firm or make change to the investments, but you cannot roll it over into your name lone. Go to www.irs.gov and download publication 590. There is a section on adjectives IRA's and it is very straightforward to read and understand.
Other Answers:
They're describing you the truth.
Source(s):
http://www.irs.gov/publications/p590/ch01.html#d0e3136
What could take place if you go amiss to wages unsecured debt?
Answers:
Don't do it. You life will become a living Hell.
Other Answers:
If you apply for a credit card, let say, $1000 dollars, and you evasion on it (dont pay , or gain behind more than 2 months) they cant help yourself to your property , or assets (unsecured debt) but they can send it to collections and they can sue you for the money owed. It really depends on law state to state.... It may be a minimum amount, or a cap, im not sure roughly speaking that. However, if you take out secured debt, they can stir after your assets.. ex.. anything you own.. so watch out. Best bet...dont acquire more than one credit card, and keep the cut back low.. about 3-5 hundred dollars. Pay contained by cash.. Im chitchat from experience BELIEVE ME :)
with out knowing who you owe the money to, or how much it is unyielding to answer. but since there is no such article as a debtors prison, they have to sue you surrounded by civil court. and show proof of debt to the court.
i want a motivational quotation on financial direction?
i really need more quotations from infamous motivational speakers on finacial managementAnswers:
"A penny save is a penny earned."
I want to build my income... How can I turn in the region of doing that?
I want to know how I can stop working for my money and start having my money work for me. Like in your favour money and not feeling broke more or less it...Answers:
First, open a reserves account and start good a part of your take-home pay (This is harder than it seems) also start building your credit. (You are going to need apposite credit to get a loan to start your own small business) If you own credit card debts this translates to a smaller paycheck (Or you are an employee of the credit card compnay and work for them. I penny-pinching they get a cut of every dollar you make) Start paying adjectives your credti card debts (This is very rock-hard too) You can use their money to make money for you and don't use your money to bring in money for them.
This is a very complex situation. Drop me a line if you want specific minister to.
Other Answers:
If you are serious about making some extra money you should start by educating your self on "Money". One of the first books read be "Rich Dad Poor Dad" by Robert Kiyosaki.
and if you are serious about an biddable income check out:
http://wserver0.prepaidlegal.com/Multisite/Multisite?site=hub&assoc=kyusuf72
Time is the greatest asset. And compouding interest is our greatest gift. You should try to look into stocks or other investments tools. And try to impart yourself a plan to put aside an amount of money...say 300/month? By compounding it monthly and doing this for 20 years, you can become a millionare near a 10% annual rate. By then you can retire impulsive!
But one thing is you have need of to have yourself a drastically strict discipline. For there's gonna be too many things out here to lure you into buying...or drinking! =P