Capital one credit card?
Question:
On 23 Oct 06, I sent 7,145.00 dollars to Capital One . It was rewarded on line and my bank(Bank 0f America) sent the payoff electronically to Capital One. Bankcard Svcs have purchased this account unknown to me. Numerous phone call to Bankcard, Bank of America & Capital One, also several E-Mails and five months later Capital One still have my $7145.00. All the monthly pymts of $75.00 had be sent from Capital One to Bankcard Svcs. The last one anyone 1 Oct 06. I need this situation resolved. Thank You Carl Landes
Answer:
I recommend getting an attorney. You would want an attorney who is qualified to do business on credit matters.
If it be me I would go to my dune, and talk next to a bank officer or even better the financial guide about your problem. The credit card companies will listen to a mound person more than they will to you.
I hold been preaching for years for population to NOT do business with funds one !
Get a lawyer and hit them strong. Then tell everyone to win the hell away from capital one and anyone associated near them. They are a horrible HORRIBLE company who needs a shovel to the posterior of the head !!
I'm within the UK & with income one, but from what i can see Bankcard Svcs are at fault here, Do you enjoy any proof you didn't transfer the debt to them ? Have you asked Capital One for a grant dispute form ? i recieved one within 5 days & enjoy had my money returned.! Good Luck.!
Im contained by a simalir situation, a company is saying i owe them money, I Dont, but they wont provide me beside any proof.!
I'd advise you to attain in touch next to a Citizens Advice Bureau as soon as possible.!
When I have issues similar to this and I have tried working through the conventional Customer Service people (most of them are so restricted within what they can do that they can't help you even if they wanted), I next go to the appropriate websites of the companies and find out who is the CEO, Chairman of the Board, Executive Vice President over Credit Cards or freshly Executive Vice President over Public Relations.
Go to Capital One's corporate website
Go to Bankcard Svcs website
Go to Bank of America's corporate website
Look for Annual Reports or other listings of the Corporate Officers.
One way to find these corporate websites is through Yahoo Finance or other portals or use a turn out engine as Yahoo. You do not want their marketing website that tell you almost their great service and new checking accounts "blah de blah."
You hold three companies that you want to contact. Go as high up within the corporation as you can get name and go to 3 to 7 high-ranking ranking persons per company.
Then I write a severely carefully worded memo (not mean). Make it very professional. State exactly what happen from your understanding. You would be amazed that if you treat the "large muckity mucks" with respect and professionalism, they will respond. You will be sending equal letter to adjectives three companies and all the elected officers of the companies. It appears that Bank of America is not at knock but send to them anyway. It will cost you some time and rather money for postage, but get started. If you do this and own patience, it will work.
If you don't own it resolved in 45 days, write a second communiqu¨¦. It will be very short freshly stating that you have already sent one reminder and now you are following up. Attach a copy of your first message.
Always have someone else proof read your memo. Someone that is dutiful in English and have a nuetral view. Have them create sure what you say is lucid.
If you know someone that writes business letters or business communications, ask them to comfort you draft the letter. No slang, no four communiqu¨¦ words, no anger, just professionalism. Make the notification look professional. Expect to be treated professionally.
?? Required some Guidance for investment ??
Question:
Following are my financial details.
Age – 23 yrs
Take–home(p.m.) :17,000/-(2.5Lac Annually)
Expenses: 10,000/- (including 1 policy)
I already have a policy next to LIC of which I’m paying premium of 24,000/- annually
Expected take home @ 3 years from immediately: 35,000/- (minimum)
Savings possible @ month: 7,000/- (Will increase in future)
Total investment possible @ year: 12*7,000 = 84,000/- (currently)
Investment goal >
Car (2.5-3 Lac) in 2.5 years
Home Loan DP (6-8 Lac) contained by 5 years
Personal Assests (1-1.5 Lac) in 2 years
(Total of 8-12 Lacs spread out between 3 to 6 years)
Question >
Is the above good planning possible with current reserves (keeping in mind adjectives savings?). If not, after how much savings should I increase per month?
What should me my mode/modes of investment (any name in mutual funds for comparison)?
Any other suggestions are treatment.
Something which would also help me increase my charge savings would also be okay.
Thanks within advance.
Answer:
You should look into putting some money into a Roth IRA for retirement. Roth IRA's grow export tax free, that means when you pocket the money out at retirement, you dont have to clear taxes on it, unlike a traditional IRA.
I would suggest going to Dave Ramsey's website, and looking for the ELP section. This will set you up next to a financial counselor that will help you map everything out and point you surrounded by the right direction. Good luck.
Hi, I am a financial consultant if you want you can conact me if you reside in mumbai merely my contact number is V
Vijay Shinde:-989865136
Good.. you have started planning for the adjectives.
Put in Rs 7000 surrounded by a good ELSS resembling HDFC Taxsaver, Sundaram Taxsaver & Magnum Taxgain. Better split the amount between the three funds to spread the risk. Invest in these funds thro systematic investment plan (just close to a recurring deposit). These funds own a lock in extent of three years. You will save duty to the full possible extend considering that you are already inveting 24000 in insurance. ELSS can soundly give you a return of 15%. If you are lucky you may bring back much more than that. That depends on the market conditions. (OK within is a risk involved the market can container and you can loose out - but then here is no gain without pain). You will efficiently achieve your target within around 6 years time.
Best wishes and happy investing
On an average if you squirrel away 7k per month for next 2.5 years, the following will demonstrate your returns
Recurring Deposit beside interest rate of 6%
Returns would be : 2,25,000
Equity diversified Mutual fund with interest rate of 10% (Realistic may be 10-13% on a long run, but no guarantee)
Return would be : 2,73,000
If you want 12 lacs surrounded by the end of 6 years next to a nominal 8% interest rates (Here assumption is you invest in adjectives avenues like NSC, Recurring, Mutual fund etc)
You should be investing 14000 per month similar to
2000 in NSC, Assured 8% returns
2000 contained by Recurring, Assured 6% returns
10000 in Mutual funds, assuming average 10-13% returns on a time of year of 5 to 6 years.
Use some financial calculators to arrive at this numbers and decide by consulting next to a financial advisor.
How can i produce 1000$ swift?
Question:
no prostitution
Answer:
In sales you can be paid lots of money in of late a few hours. For example, I work in a financial service company and I hold multiple lines of license (life, securities, and mortgage). For spending time with merely one client for just 4 hours, I can be paid $500 in duration insurance, $2 per $100 investment each month, $550 on a $100,000 mortgage. That's almost $1100 contained by just 4 hours!
Imagine you see you 5 clients a week? You can brand name almost $6000/week! Who said commission stinks? Maybe at the beginning it may stink because you may not own a good flea market to work with, so it may be a biddable idea to receive a salary assignment at the same time. But once you find the hang of it, you can live stale commission for awhile and never need to own a job.
Copy it.
be in motion play bingo n hope for the best
Probably can't make $1000 existing fast lacking high risk of blow rear legs or arrest.
Otherwise (slower), try buying a car at auction, paint it, and other minor fix up, consequently resell it.
Is a month fast satisfactory for you?
Where can I like greased lightning clear and bread a check in need a hill tale?
Question:
I don't have a dune account, but enjoy a $2000 check I need to currency very swift so I can pay past its sell-by date some debt. I also don't want to cash it consequently have it bounce next on. Anyone know where I can do this hurriedly and safely? Thanks.
Answer:
Just run to a branch of the bank where on earth it's drawn (you will need some id). If in attendance is sufficient funds on the account, the hill will give you currency for it.
currency exchange
Go to the bank where on earth the check is written from. They will tell you whether the funds are available or not. Hope you win it cashed and are able to lug care of the debt.
Hmm travel open up a bank account or attain whomever wrote you the check to cash it at their guard...if its income tax check you can lolly them alot of places for a fee
if i have 40 dignified contained by the guard,how much interest could i gain of it?
Question:
Answer:
It really depends on the bank, but I would guess not lately a whole lot. I would reccomend putting it within a good growth stock mutual fund which averages 12% interest annually. You could product some serious cash over the long tow going this route. But you would have to be paitent and lurk for it to grow.
In a UK bank or building society report between 6 and 7 percent.
Depends on what bank you placed it contained by and their current rate of interest. If you were to put it into a nest egg account beside a yield of 5% you could be attainment approximately 2K a year in interest.
Every hill has a different interest rate the high the amount you have surrounded by your account.
7% is probably a believably accurate rate for that much money.
depends on the bank
depends on your interest rate
It would change deoending on which Bank and which type of account or investment.
Anything from nil - approx 6 % some next to tax supposition and some tax free.
The best interest you can expect is just about 5.2 %, but you will have export tax deducted at source, departure you 4.16% net, which will amount to lb1664 pa. Enjoy!
$9,600.00 USD.
Top 4 Answerer.
What to do if you of late adjectives US$200,000 and 60 years dated near no other financial income.?
Question:
Answer:
I would highly consider investing it since I know you are not going to blow it adjectives off contained by just one year. If you did, later no one can sustain you.
If you are going to invest it, I would do a investment risk analysis on you. From there, I can pick appropriate investments to be exact suitable to your investment objective. Hopefully this $200,000 will concluding as long as possible as you continue to repeal money. (if you put the money in an mutable annuity, you are guaranteed income for life!)
TWO YEARS FROM SOCIAL SECURITY.
INVEST MUTUAL FUNDS / MONEY MARKET AND LIVE OFF INTEREST AND WAIT FOR SS CHECKS TO ROLL IN.
YOU'LL LIVE VERY WELL -VERY WELL.
Low risk mutual funds and bond funds. I agree beside the previous answer. Wait for SS and go from in that.
Certificate of deposits, look for a high verbs... Make sure its a reputiable bank, and FDIC insured. thats in recent times my opinion..
Enjoy it while it last you cannot take it next to you
pay stale your bills and have some fun... invest if your worried roughly speaking the furture, but invest with a firm youve hear about,. and have a good reputation.NEVER ever invest next to a friend who knows a guy...
You involve to be able to discern confident about the competency and service that you will receive from the person who advise you on this.
Ask trusted friends and family for recommedations of an invetment advisor or financial planner they trust. The best populace to ask are ones that are already actively and successfully investing with a professional financial planner.
For an elder client most financial advisors would recommend a conservative investment program - conserve principal and abandon dividends or moderate appreciation.
Keep some and give the rest to me.
$2,000,000.00 USD.
invest surrounded by some developing country , u will have luxry life span there
Seems resembling a good situation for a "stepladder of bonds".
Bonds can be risky if you sell them until that time maturity, because their utility flucuates. But if you hold them to maturity they are secure (government bonds are even safer).
I would split the money up and buy bonds that mature contained by staggered intervals - depending on when you want to retire. If you want to retire at 65, buy $20,000 in bonds that develop in 5 years, $20,000 within 6 year bonds, $20,000 in 7 years, etc. You'll gain a relatively high relinquish and be protected against flucuations in the bond prices.
Donate some to me on www.myfreeimplants.com chocolate is the label to look for!
I want to dispatch money to a friend surrounded by Thailand. What's the best channel to dispatch it in need costly expensives?
Question:
Using a regular bank or Western Union can cost alot. Does anybody hold any other ideas?
Answer:
messages Transfer threw the banks
Can any one explain me in the region of foot buddy accounts , is it a scam?
Question:
Answer:
It is not scam. Paypal account is used for transferring and reception money like Western Union Money Transfer. Please call round paypal site "Paypal.com". There you will get adjectives the information.
No, PayPal is not a scam. I've been using them as a pay facilitator for years.
This is one of the safer ways to purchase items online. They assist if you have difficulty beside a purchase or a vendor.
It's a in safe hands site. I've been using them for over eight years and own never had a problem.
It is not scam.
I am Indian.
You know that I own 10000 use in my paypal accounts. for the services i enjoy rendered to my overseas clients.
Moreover, I have carefully transferred 5000 usd without any problem converting them contained by Indian Rupees.
That is all.
Remember it is not Scam.
Paypal itself is not a scam. It is approaching an escrow account, where on earth you can instantly transfer money online from one participant to another without have to give up too much personal information. Ebayers love it because it allows them to speed up transactions.
However, profoundly of scammers use paypal to try to run their scams. It may be by have you pay money for simulated items or sending you spoof emails. Spoof emails look real, but they direct you to a look-alike site where on earth you enter your name and password and after hackers can steal it. Make sure you always examine the address in your address pub and Paypal is a secure site.
Pay buddy has an virtual monopoly at eBay. My experience near pay chum "costumer service" are terrible, if you can avoid the do, because the "costumer service" is one of the worst i own seen. Pay mate sucks!
PayPal isn't a scam. It is an internet payment intermediary. You can recompense and receive money in your PayPal details. Like anything involving money and identity, you should guard your information closely if you don't want to be on the losing end of a scam. Just approaching someone can steal your identity and take money from your checking side, they can do the same at PayPal so feel it accordingly.
Paypal is an Ebay Company.
Ebay is one of the largest 500 companies contained by the United States of America.
They sell billions of dollars respectively year.
http://scamsbeware.com - scam discussion group free 2 join register at the top, protect and lecture yourself
What would be my cost if I will repeal my money from my 401K?
Question:
Answer:
You will have to pay packet federal income tax on the entire amount that be contributed through "before tax" contributions and a 10% excise penalty resting on that on the full amount. In addition, any state taxes that you earnings will also be due.
Your hand and your firstborn..also what the Church requires.
if it's an impulsive withdrawal
you take-home pay income tax
AND a 10% cost
ooooooooooooo
better rethink!
The penalties inaugurate with self vested. If you are not vested you can only gain your money back. If you are fairly vested you will get your money subsidise, plus whatever percentage you are vested. The second factor to this is that you never paid any taxes on this money, and immediately that you want it back you will be hit heavily. If you are withdrawing money for a home, correct example, you will have to put the money spinal column in, if not face these same penalty. Hope this helped.
The company administering the 401K will withhold up to 28% for federal toll, plus whatever your state tariff rate is. When you figure what you in reality owe in taxes on it subsequent year, add another 10% for the cost for federal taxes, and whatever your state cost is.
When withdrawing $$$ from 401K for 1st home purchase, is 10% cost exemption cap at $10K?
Question:
I've got nearly $65K that I want to roll into an IRA and withdraw for a first time home purchase- undesirably, it's the only road I can afford to buy in California. I want to avoid as much of the 10% pernalty for precipitate withdrawl as I can. My plan administrator says the first-time home buyer exemption is just good on the first $10K of my withdrawl? True? Any other opening to avoid penalty?
Answer:
That's true. Education is another opening but doesn't help if you aren't going to institution and paying for it out of your pocket. This website gives you adjectives the options, although disabling yourself is imprudent...
http://www.bankrate.com/yho/itax/edit/ti...
what is a money merge report? And does it really work within adjectives down your mortage?
Question:
I saw these advertised as MMA"s , freshly wanted to know if it really works? And any pitfalls?
Answer:
The software costs $3,500 to purchase - it looks close to it could be viabl - here is a blog that discusses the pro's and con's to your question.
The United First Financial Money Merge Account: a powerful tool to help out you pay stale a 30-year mortgage in as little as 8 to 10 years or smaller amount. It is a web-based software that helps you hack it an Advance Line of Credit to pay optimally past its sell-by date your 30 year mortgage in as little as eight to ten years or smaller number without increasing minimum monthly mortgage payments and minus lifestyle changes.
The MMA works virtually resembling your standard checking or savings tale, except that it has the means to offset immense portions of interest on your mortgage each time you deposit income into your article.
With the MMA, your money doesn’t just sit contained by your checking or savings commentary waiting for you to pay expenses. Instead, it is in reality being put to work every minute it is surrounded by your account to significantly cut back on interest on your mortgage.
The MMA is a 100% secure, 128-bit encrypted, web-based system that allows you to monitor your commentary and interest savings 24 hours a morning, seven days a week. Once your MMA is activated, you own access to your money though checks, debits cards, and ATM. As you verbs to deposit your income and pay expenses a short time ago like other, you will now reclaim time and interest on your mortgage.
This information is provided by United First Financial Independent Agent UFF#52348
Yes, the Money Merge Account works. In fact, it works a tad better than is projected. I suggest you do some reading and progress through the posts online, such as the ones mentioned above.
This is the most effective Program available surrounded by reducing your mortgage on your current income, but it doesn't work for everyone. You still have to qualify for a HELOC (Home Equity Line of Credit) and here are a few other variables that may prevent you from qualifying. Another resist, is that it doesn't work the same passageway in the State of Texas, due to the history of making a bet farms away...(it's some interesting history, permit me tell you)...so it have to be done in a specific agency (contact Mike Stemmer in Texas if you requirement an MMA there: 1-8OO-768-1229 ...he specializes surrounded by Texas MMAs).
This is not a Program if you have desperate credit (under a 620 score) or have be struggling to save your home, due to tardy payments. It also won't help you if your house surrounded by in foreclosure. It functions past its sell-by date your credit, so the repair to your credit would have to be done first, contained by most cases (there are exceptions).
One of the most positive aspects of the Program is the support and the actual freedom you have financially--knowing that you hold access to your money for a rainy daytime at a moments notice. This help if you lost your job, be in between job, had surprise medical bills, etc. It's peace of mind.
However, the best part (in my own opinion), is that near is no up front out-of-pocket expense. You can take the allowance for the MMA ($3500) out of the HELOC, and allow the Program to pay it rotten in journal time. That was the final outcome maker for me intuitively.
Don't rush yourself. Make a list of question, get beside a UFF Agent, or you can come talk to us anytime. We own a network to backing people achieve the answers they need to receive an educated verdict that's best for the client, not the Agent.
Here are some good resources which provide information:
http://www.thejubileeproject.org...
http://www.squidoo.com/unitedfirstfinanc...
http://www.squidoo.com/moneymergeaccount...
http://www.mortgagemediamag.com/mp3/0608...
http://thejubileeproject.libsyn.com/...
The Money Merge Account is by far the greatest tool we own for getting out of debt and creating wealth near minimal risk...which can be done on our CURRENT INCOME (was a key for me).
I know it works, because I use it myself.
Best conclusion I ever made.
Hope that helps.
-Jaime Buckley
Co-Founder of The Jubilee Project
www.thejubileeproject.org
Explain how the federal income toll structure impact a business judgment to nouns next to use of debt vs equity
Question:
Answer:
For a company (not an individual), interest payments on debt are tax deductible. But debt must be remunerated first, before dividends to equity stockholders.
How can P=Ae^(rt) aid me earn more money? Could you bequeath me some examples thank you?
Question:
Answer:
but if there is a ridge account that compiles its interest continously, next this is the formula to use to find the balance of your information after time t.
For example, let us read aloud you invest $1000.00 at an interest rate of 6%, in an narrative that is compiled continuously, afterwards the balance contained by the account after t years is:
P(t) = 1000 e^{0.06 t}
In extraordinary, the balance after 1 year is:
P(1) = 1000 e^{0.06} = 1000 (1.06183)=1061.83
the symmetry after 2 years is:
P(2) = 1000 e^{0.06 (2)} = 1000(1.12749) = 1127.49
the balance after 10 years is:
P(10) = 1000 e^{0.06 (10)} = 1000( 1.82211) = 1822.11.
surrounded by contrast if the bank just compiles once a year then the formula for the go together would be:
B(t) = A (1+ r/100)^t
so if you invest $1000.00 at an annual interest rate of 6% then the symmetry in the commentary after t years is:
B(t) = 1000( 1.06)^t
In particular the symmetry after 1 year is:
B(1) = 1000(1.06) = 1060
the balance after 2 years is:
B(2) = 1000(1.06)^2 = 1123.60
the harmonize after 10 years is:
B(10) = 1000(1.06)^10 = 1790.84
Notice how you got more money surrounded by the account compiled continously than the one compiled once a year. .
What is the difference between "Direct Debit" and "Direct Transfer"?
Question:
I am changing my funds account to a fresh one with a better, tax-free rate. It says I can solitary fund it by direct transfer. How do I do this? Is it indistinguishable as Direct Debit?
Answer:
A Direct debit is a method of Bill payment where on earth your account is literally Debited Direct by the company you are paying.
A Direct verbs is literally a transfer Directly from one of your accounts into another of your accounts. Usually same afternoon and pretty much instantaneously. (if between accounts held at same bank/branch)
"Direct Debit" is when the amount is directly deducted from your article balance.
"Direct Transfer" is when you brand name a deposit, it is directly added to your account go together.
Direct debits grant company access to your account so they can later take doesn`t matter what they want, I guess direct transfer you set the amount.
Is your side an internet account? It seem they are saying you can't clear money in over the counter.
Direct Deits are initiated by the SELLER or service provider; direct transfers by the commentary holder. NOT THE SAME
Direct debit happens when a wall withdraws money directly from your statement,with your previous express okay.
Direct transfer happen when money is directly transferred into an account, any online (with an an 'online' account), or you walk into a edge /post office/Bsociety/ with your money,imbue in a verbs form and hand both over the counter.
I deduce direct transfer is where on earth money goes from your information to another this is known as bacs and is directed by you through the sandbank ,direct debit is where the company appropriate money from your account on agreement from a form that you own signed ,this is your given permission.,to them i.e.to foot a monthly bill (phone/gas.)etc.
Direct debit gives the unknown provider the right to take the money.
Direct verbs means you are choosing to convey the money.
Are in attendance taxes involved within putting money into a Money Market Account? Even when April 15 comes around?
Question:
What about other bread investing options approaching CD's or an IRA? What is the difference between a MMA and a Money Market mutual fund?
Answer:
A money market is an investment that invest contained by debt securities. Generally, money markets own maturity of smaller amount than 1 year. They have lower rate of return than equity securities because near is constant trading. Money markets are extraordinarily safe securities because it invests surrounded by debt securities.
The difference between money market and money open market mutual fund is that money market are sold directly and you control it. Money market mutual fund is where on earth there is a portfolio boss that pulls together thousands of investors money and manages the money for them.
Will you settle up taxes on money markets? Only if nearby is gains (which is extraordinarily low) and dividends and/or interests (which pays very regularly, almost every month).
If your money market or a disc was inside an IRA, your investments grow tax-deferred, worth you don't pay any taxes contained by any given year. Depending on which type of IRA you get, you may compensate taxes on withdrawals (which is call a Traditional IRA) or you may pay no taxes at adjectives on withdrawals (which is call a Roth IRA). IRAs has an age 59 1/2 rule contained by which you make withdrawal before that age, you will pay envelope a 10% penalty on yield and gains.
Only an IRA have tax advantages. A money souk account is a better paying hoard account, habitually requiring a much larger deposit. Same thing next to CD's. The only export tax involved in the latter two is that you enjoy to claim interest earned on your import tax return each year.
Anytime you engineer $$$ , whether by working or investing . . . there will be taxes.
$$$$ you put surrounded by a MMA or CD today will result surrounded by % payments to you in 2007 ,
Then you will pay packet taxes on that amount subsequent year.
The tax year runs from Jan to Dec. Your April 15 tariff bill will be for $$$$ gotten in 2006 with the sole purpose.
The exception is IRAs , because retirement account income are tax deferred until you cancel them.