Personal Finance Question and Answers

How do seller deliver to buyers contained by ebay?


Question:


Answer:
Sellers have several option for getting their goods to buyers.

1. The most popular agency is my mailing the item any through United States Postal Service or through independent carrier companies such as U.P.S. or FedEx (I've used USPS and UPS lots times)

2. Another way is by personal abdication. (I've done this on several occasions)

3. The third way is by letting the customer come pick the item up. (e.g. clothes washers, and big blind tvs may be something the seller isn't feeling like to ship but the buyer can arrange to pick up)
USPS, UPS, Fed Ex, it is your choice.
The seller is provided next to the address of the buyer. Once the seller have received the payment from the buyer they distribute the package to the address provided.
the buyer pays for the purchase first (some do COD but not many) and once the funds are certified appropriate than the ship it.
When you look at the item look at the end and it mostly say how they are willing to ship and the esimated supplementary cost you will incure for shipping




I am making $50,000 a year. Can I afford a $250,000 house?


Question:


Answer:
it all depends upon your spening behaviour..and how many credit cards, other loans you enjoy..

but, i say contained by general unsurprisingly...go for it!

better to own your own home...and owe the mortgage company. than rent, and enjoy a handful of receipts at the end of the year...
mmmm.probly but you would stipulation to tak out a loan.
Yeah, but funds will be tight. You have to include your other bills as ably. Your payments will roughly be 1400 -1800 per month (and that's just principle and interest). This doesn't include property taxes and insurance.
It depends on what you hold for a down payment, what other expenses you hold, and your credit rating.

If you have $50,000 plus closing costs to put down, and gain a 6% loan for 30 years, then your mortgage payments would total more or less $14,400 a year, plus taxes and insurance so probably closer to $18,000 or $20,000.

Talk to a realtor to get an impression of what you can afford, or ask a bank to pre-qualify you for a mortgage - the edge could give you an concept of what they'd approve.

Good luck.
You are going to stretch your self too thin unless you enjoy a huge downpayment.
The rule of thumb is 2 1/2 times your annual income.
It depends on how much you have as a down fee. The bigger the loan, the higher the money.

I wouldn't even consider a monthly payment of more than a third of my monthly income.
Yes, but if you don't stipulation a house right now (no dependents to house) you should hang about till the is a slump in the actual estate market.
yes, if you dont enjoy other bills and dont eat. I would speak "NOT"
Do you have other debts? If you do, wage those off first.

The other rule of thumb is that you shouldn't take-home pay more than 25% of your monthly take home take-home pay for housing.
Contact Suze Orman for advice; she have a weekly program on CNBC that covers that very topic.
It depends on:
1) Is $50,000 your household income? How masses people do you hold to support
2) How many debt you hold currently
3) Your other expense
4) Your credit score. (interest rate u are competent to get)
5) How much you are going to put on your downpayment




If your gross income is 28,000 what will your run home retribution be ?


Question:


Answer:
That depends on several factors such as:
-Filing status (single/married)
-# of dependants
-State charge rate
-Non-tax deductions from paycheck

If you are single, the takehome clear will be somewhere around $21,000. Here is a calculator for a more precise answer:
http://www.paycycle.com/external/busines...
Click on the "Salary Paycheck Calculator" link.
The network.




14 Year-Old, How To Make Money.?


Question:
I am a 14 year old kid I love to skateboard and I want to earn money. I don't want someone to answer dictum something like "moe some lawns." I already know those job. What I want to do is something that pays more than $30.00. I will probably have someone typing out their "moe some lawns." Let me know of a opening to make LEGAL money. One more piece, NO PYRAMID SCHEMES! Thank-You for all of your lend a hand.

Answer:
It's mow not "moe".

Try looking at http://www.teenjobsection.com/ for some ideas.
///




can somebody please explain to me how recompense comrade works?


Question:
i know that you can transfer money from your hoard account and deposit it into your remuneration pal information. but can you transfer money from a credit card? is salary pal similar to a credit card?

Answer:
The whole point of paypal is so that you can engineer transactions online without giving out your credit card number.

You can deposit money from a ridge account, yes, or you can hold others transfer money to you. I use it alot for my business. My second organization is far away, and instead of meeting my partner to draw from money, he just wires it to me through paypal. Then I can spend it online, verbs it to my bank depiction, or have paypal dispatch me a check. They charge a small fee, but it's a totally convenient service. Hope I helped.
http://computer.howstuffworks.com/paypal...
You can verbs money from your bank account(savings or checking) or put it on a credit card.The receiver of the payment pays PAY PAl a percentage.
hear good and desperate stuff
people / business enjoy had hell beside frozen accounts
check - www.paypalsucks.com/




Whats the difference between nouns and loan?


Question:
i think i flock them in vehicle issues.

Answer:
To finance is to provide money for something, and surrounded by the case of loan the money provided have to be paid spinal column with or in need interest. In financing, it can also be a loan or a grant.
VR
financing is getting a loan
http://www.dictionary.com
nil.. 'financing' sounds nicer!
Finance can refer to cash, edge account, bonds,collection,etc. where a loan is a debt from one to another and can be referred to as financial debt.




How can I start in your favour money?


Question:
I want to save up for something expensive similar to $300 but I keep spending it for little things and I cant stop I make a clean breast I have a problem HELP ME!

Answer:
i get the same problem and the best agency i find to keep me from spending it on little unwanted items is to let my parents hold it surrounded by a drawer that i can't get to or put it surrounded by a savings story before you seize the chance to spend it and simply don't spend any of it at adjectives until you reach your desire
The best way is to appropriate a small amount each time you receive money and put it contained by a hiding spot. Out of site out of mind. Before you know it you will have that $300 save. But if you are able to salvage $300 why spend it? Just keep positive.
Self discipline is the best way to control yourself from spending money.
Open a hoard account. Vow that once the money is surrounded by the account, it cannot come out until you've reach your goal amount.
Get a CPA Or Finacial Advisor... You Situation is adjectives to common within the western world... we are debting ourselves to death (money astute that is).

Contact any AA group to find out if there is a spenders group... or something similar to that i'm sure that there is.
very well okkk take similar to 20 or 40 dollars out from your paycheck and put it in a jar and merely put it in a hiding spot and afterwards spend da rest that way you retrieve and spend at the same time
Every week doesn`t matter what change you hold in your purse throw it contained by a piggy bank or a considerable arrowhead bottle of water and when it is full uniform it out and walla there is your commencing. Did this for my daughter and we saved something like $300. She had a substantial piggy bank though.
Someone once told me if you put 25% of adjectives income into a savings description you will never have involve. This is very true. When I be younger my parents taught me to put 50% contained by savings, 40% for fun money, and 10% to God. This is unachievable once you have bills, but the notion still applies. You need to be diligent and starting a reserves account is the first step. As the truism goes-'Out of sight, Out of mind." If you do not enjoy the money in your pocket you won't spend it. If you really want this big purchase you will put aside. As far as the little things go-try the 48 hour rule. Leave and if you still want the item in 48 hours next get it, but most imagined you will find you don't want it anymore. Hope that helps! Good Luck!
ah warmth to society. I call debt the latest cigarette's and only by stop smoking (not spending) will we adjectives live a long healthy duration. But if you want to keep smoking agree to me know how it works out for you.

Try FPU 13 week program offered at most Church's, and military post. By Dave Ramsey.com you'll learn to control your money and not tolerate it control you.

Oh by the write a budget pay stale all debt and single spend what you want. It sounds like a behavoir problem and if that's the solitary problem you'll be a millionarie if you can fix it.

Plans fail for paucity of counsel, but with heaps advisers they
succeed.

Proverbs 15:22, New International Version

One man pretends to be rich, on the other hand has zilch; another pretends
to be poor, yet have great wealth.

Proverbs 13:7, New International Version




if you recieve 10 million dollars can you retire and never work agian if you want 300k income after taxes?


Question:


Answer:
Yes, easily. Generally, you necessitate to be able to draw smaller amount than 4.5% of your total to be able to live sour the amount in perpetuity. That's $450,000 formerly taxes, and you could absolutely find ways to downsize your tax exposure to smaller quantity than 33% overall (e.g., try a charitable remainder trust with a portion - you find the income tax-free, and a charity gets the principal upon your death). And anyone obtain close to a 5% return on a just a money souk account.

I'd retire tommorrow given your proposed situation - where on earth do I sign up?
YES
A reasonable amount to hold from your principle is 5% a year. this will assume (for the long run) a conservative return of 8% and inflation of 3%.

So, 5% of $10M is $500K, after taxes would be about $300K/year. So, you're apt to go. In certainty, that's exactly how much you'd have, and it would be plenty to cover inflation and that you'd need more than $300k surrounded by future years.

You should be capable of live, literally, forever on this.
A simple formula : Take any amount, divide it by 2 and then drop a nought.

10 MILLION :
$10,000,000.oo divided by 2 = $5,000,000.oo DROP a zero = $500,000.oo.

$500,000.oo a year will be what you would clear IF you had it within an investment account, NOT a nest egg account. You will enjoy to pay taxes bad that yet. If you simply want $300,000 you will be just fine !!
The answer is yes ... conditionally.

It depends on the rate of interest you can take on investing
the 10 millions dollars ... also how old you are and what
happen to the principle.

10M divided by 300K is 33 1/3 years by itself with
not investments. If you invest at 3% you will bring back
300,000 a year forever and still have 10M when
you die.

There are lots of alternatives, but you can probably
find a safe 3% surrounded by a bank or money marketplace with no
problems.
Yes.




How to bring the most out of 2000$?


Question:
I have 2k surrounded by my savings I want to do something near it, but
1-i don't want any long term investments 6mo-1yr seem fine
2-cd's at 5.05% yeah right.. I'll be rich after a year` lol :)
3-stocks? i don't know much about stocks... although i own an account on sharebuilder.com I'm set to take risks but don't want to blow up adjectives my money either
4- "index fund that mirrors the S&P 500 and basically leaving it within." somebody wrote this in response to a similar put somebody through the mill any idea of what is it?

TAHNKYOUUUUU

Answer:
One year ago I could enjoy shown you how to double that through HYIPs within in the order of 3 months. Now, the HYIP arena is in hopeless shape, and there is nil worth investing in anywhere (stock flea market is not performing, forex is tanking). I would keep my money right where on earth it is, or better yet, buy some gold ingots!
put your money in a money flea market account and it accrue interest
Use it to buy a bunch of things worth $4,000. Sell them. Repeat.
With $2000 you can travel buy someting on ebay and sell it on craigslist. I'm sure you can brand more than a 5% CD

=)
Honestly, ... try this.
Visit swisscash.web
I am an investor with them and own a US$50K portfolio there. I'm getting remunerated every month on time as promised and guaranteed. The average returns are 20% per MONTH!
You can restore your health your initial investment amount within 8 months and next it's profits on the run from in attendance.
Read the details...it's easy to construe.
It's not an MLM...nothing to 'market'. You can a moment ago be an investor and reap ur returns which are guaranteed as stipulated.
You can visit my financial site provided by them at www.swisscash.net/sgamk1632202
There are alot of cynical blogs and people tagging it as a scam.
I know what have happened. There be reports that SC investors scammed others...but I wonder why the corrected newspaper reports are not mortal circulated. It was never a SC involvement but some clowns scamming others by encouraging them to invest beside some Swiss Union Bank. Anyway, hell with skeptics. So far at hand has be no complaint from a single SC investor that he/she did not get salaried as guaranteed.
By the way, I am within touch with some senior consultants of Swisscash and I must right to be heard, they are serious dynamic professionals and I'm confident they will be profitable for at least the subsequent few years.
I started with $1K initially and consequently after my confidence with them, I enjoy now increased to $50,000.
Best regard...Kaz (Singapore)
Swiss cash is a scam!


http://www.bnm.gov.my/index.php?ch=8&pg=...
http://www.worldlawdirect.com/article/19...




Which online hill offer the best rate on a 6 month compact disc?


Question:
Are there any other fees included?

Answer:
HSBC, 6% until 4/30 and 5+ after that. No fees.
Different bank have different fees included and they also differe contained by terms and conditions. To find out one which suits you best take home some search on G00GLE or yahoo.
To know more look in
http://geteasyloans.blogspot.com...
and
http://creditcardbiz.blogspot.com...
Huntington Bank... Ohio
Superior Savings Bank Online.
why tie your money up in a compact disc when you can keep it soft at 5.36 % offered at AmTrust Direct. Just G00GLE the name.

Power to the populace, vote with your money and vote during elections!

One man pretends to be rich, however has zilch; another pretends
to be poor, yet have great wealth.

Proverbs 13:7, New International Version

Plans backfire for lack of counsel, but near many adviser they
succeed.

Proverbs 15:22, New International Version




How much money does an executor sort stale of a trust?


Question:
is it one lump sum? or can it be divided between the years?

Answer:
Not sure if you are referring to an executor of a will or a trustee of an ongong trust. Assuming you are referrign to the former, each state have set guidelines on what is acceptable...sometimes the executor is rewarded based on a % of the assets held contained by the estate while some other states set an hourly wage guideline...In my state, assuming the decedant did not stipulate the compensation in the will, the county contained by which I live has adopt a rule of $15-$50/hour or a rate determined by the judge that reflect the hourly rate at which the executor earns at his or her full time employment. If you're referring to a trust, the trust documents should clearly stipulate the compensation to be paid to the trustee.
They variety as much as they possibly can.
execution is gruesome work. it involves alot of blood depending on the method of execution. I'd say that executioners who operate be-headings take payed quite a bit more than those who operate fatal injection, or even electric chairs. I'm not sure where you could find authoritative salaries, but i'm sure its contained by the 6 digit range. a comortable living for sure.
It depends. here within St. Louis we get almost a buck two eighty.
MOST GET NONE

SOME GET 50.00 A MONTH...

SOME GET A FLAT % OF ESTATE AFTER SETTLEMENT BUT NOT MORE THAN SAY $1000.00




My parents are selling some property within Europe. They are giving me $300k from the proceeds. I own no debt.?


Question:
My home is paid contained by full. I have $1M+ lattice worth. What is the best way to minimize taxes on this pre-inheirtance?

Answer:
You can bid a real estate attorney and escrow the money from the proceeds. Before you lawfully have posession of the money, you can invest it. This agency you don't have to endorse any gain. It's under Sec. 1031 Like -kind exchanges if you would similar to to read more about, you can call in the IRS website.
I would put it in a money flea market account if you save it in here for 5 yrs you will have more than 1million dollars and set for live
Do you live surrounded by the US? Do you have any asset protection surrounded by place? I would suggest you have the money shift to an account within a "tax friendly" environment, an details on which you are not the signatory, but perhaps one of your entities are. Contact me for relieve setting that up.




How do I turn $40K into a million $ in a year ?


Question:
I need this to amass someone's life ( someone hugely dear to me), I don't mind doing something risky but it must be reasonable.
Im contained by my late 30's upright shape and willing to work tricky for this to happen , its urgent. please assist.

Answer:
Find you talent where you are upright at and make sure you are enjoy it. Have a business , yeah invest! it is up to you on how you gonna handle it and put together it big!
invest in trueness ! buy for-closed homes . go to the seminar to explain and teach you how to do this
If we adjectives knew the answer I don't mull over anyone would need to work at adjectives. Unless you can invent something or open terrifically popular business it's going to be hard. Good luck.
if i know that i would not be here right now
One unmistakable way to do it - step to Vegas, bet 32-red. Pays 36-1. But the odds of leading are 1 in 38.
You would necessitate to earn 30% per month in command to double your money every 2.5 months to turn 40K into $1M.

This is tough. I have earn 30% per month a couple of times in the Forex flea market...but not every month.

I wish you luck.

Paul




what to expect when spouse files ruin contained by WV?


Question:
We sold our home and relocated for spouse to start new business. All income and assets wipe out from business venture which is 4 yrs dated. We both have credit card debt from the business but I am not file. Can heirloom furniture I own be taken as an asset to satisfy creditors? Other than my spouse not have credit what are the pros and cons to filing collapse.

Answer:
Talk to an attorney. I believe once you are married, all the debts incurred are both of yours. So I ponder you will be dragged into this.




How can i set up a group for associates who are contained by financial problems?


Question:
there are masses people looking for loans or are surrounded by money problem. wonder if all of these individuals get together will it be capable of solve problems one by one.only the poor will give support to the poor

Answer:
send me adjectives your money
And while you're at it, let's get blind folks to drive each other around. Only blind nation will help blind ancestors.
I'm also into helping the needy and the pitiful, especially children. Just grain so sorry for the underpriviledged.
Honestly, ... try this. Ask them to invest say $1,000 near Swisscash The monthly returns will slowly increase and compound and they'll be able to income their bills and run their lives with much straightforwardness.
Visit www.swisscash.net/sgamk1632202
I am an investor with them and own a US$50K portfolio there. I'm getting salaried every month on time as promised and guaranteed. The average returns are 20% per MONTH!
You can get better your initial investment amount within 8 months and after it's profits on the run from at hand.
Read the details...it's easy to become conscious.
It's not an MLM...nothing to 'market'. You can in recent times be an investor and reap ur returns which are guaranteed as stipulated.
You can visit my financial site provided by them at www.swisscash.net/sgamk1632202
There are alot of refusal blogs and people tagging it as a scam.
I know what have happened. There be reports that SC investors scammed others...but I wonder why the corrected newspaper reports are not human being circulated. It was never a SC involvement but some clowns scamming others by encouraging them to invest near some Swiss Union Bank. Anyway, hell with skeptics. So far within has be no complaint from a single SC investor that he/she did not get salaried as guaranteed.
By the way, I am contained by touch with some senior consultants of Swisscash and I must speak, they are serious dynamic professionals and I'm confident they will be profitable for at least the subsequent few years.
I started with $1K initially and afterwards after my confidence with them, I own now increased to $50,000.
Hope this help.
Best regards...Kaz (Singapore)
Swiss dosh is a scam!


http://www.bnm.gov.my/index.php?ch=8&pg=...
http://www.worldlawdirect.com/article/19...




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