Personal Finance Question and Answers

Can any one detail me anything just about the OPRAH SUMMER SWEEPSTAKES?


Question:
iS IT THE REAL THING OR WHAT. bECAUSE i RECIVED A LETTER AND A CHECK SAYING i AM A THIRD CATIGORY WINNER AND WON 81,000.00 THE CHECK SAYS TO DEPOSIT INTO MY ACCOUNT. SO WHAT IS UP TELL ME

Answer:
I got one and the same letter. I tried to give the name the number on it but just get a recording. it's a fraud. is the check from Maynard electric supply? That is what mine is. I call the company and talked to the v.p. and told him the story. it is a fraud. i found the number to the company at the Better Business Bureaus network site. if you have one of in that checks call them. except find out where the check come from and call that company. sorry we didn't win anything
SCAM!
My neighbor received equal thing. If you be in motion to Oprah's web site investigate sweepstakes eventually you are led to an nouns where they read aloud that the letters mail out are a scam. This one was mail from Canada and the check was from Huhges supply contained by Georgia. Don't get fooled.




How do you catch rich contained by a month when you are still studying?


Question:
see, there's this thing to buy.. and I can not quite save.. damN!!

Answer:
survey out for the scammers on this site
like prime time and GJFAJFDKAL F and antz & deonn


if it sounds too accurate to be true it is

get a factor time job
stop intake at restaurants for 1 year (the $ you save will be INCREDIBLE)
don't drink starbucks expensive coffee
in attendance are lots of little things you can do to save $ that attach up
I could tell you, but since you don't know me you probably wouldn't do anything, so why expose my design to the world for nothing.
If you're thinking the stock marketplace or FOREX get put a bet on to the books. Study become something and catch rich that way. It's not erudite to look for easy money; you must know something almost what you invest in
There's afternoon trading. You are exposing yourself to risk though.
Bank robbing works, temporarily.
You could boost a few cars.
Short of illegal movement, there is not a guarateed agency to do it.

Stick to the books. Have mercy. Get a job. Work and live and be satisfied.

You could buy a lottery ticket as say alot of prayers. That have not worked for me though.
Find some rich old man who wishes a pretty young trophy piece and tolerate him be your sugar daddy.
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If you own millions dollars what would you do?


Question:


Answer:
Invest it all for my retirement and verbs working. A million dollars is just not satisfactory to retire on these days.
Give a bunch to my ancestral, build a house, support animal shelters, have another newborn or adopt one, and put the rest in the wall so I could live off the interest for the rest of my life span.
oppress the poor.
spend it logically
:-)
help associates that are needy
buy a home across the road from the sand
invest for my kids future
buy a sports car , several
buy a date with kanye west
and throw a few millions around to household and friends
buy my dream house and car. woot!
A million used to seem to be like profoundly of money but today it's not. I'd help my sons buy homes and take-home pay off my brother's home contained by Alaska. I'd pay sour my home, buy my hubby a new car-boy does he involve one! Put money away for my daughter's schooling...I don't think they're would be anything departed after that.. If so, I'd buy my mom a prescription plan!!
Invest 50%. 30% save and 20% dignified risk. Spend 25% on my family, friends and me. 25% would move about to others that really need the money.
Well after wondering how on soil I got it, I would thenSPEND! SPEND SPEND SPEND!! Bugger good for retirement or investing wisely or blah blah blah!
do not you agree beside me that 1 Million is a very small amount of money to do anything near, especially when you don't have anything at adjectives.
1. invest it in compact disc, Treasuries & other Money markets and live sour interest.

2. get a position I always looked-for, but do it as a hobby.

3. Love my family & make a contribution it everything it needs.

www.letsgobble.com




Anyone claimed hill charges from HSBC ??


Question:
I am in the process of claiming my hill charges .i worked out what is owed to my self through 6 six years of statements,then i wrote to hsbc and used a template given on moneysaver.com,relating them the amount plus interest that they owe me.Today i received a letter adage they have raise the matter and will contact me beside a full response as soon as they have completed the investigation.Has anyone else have this with HSBC, did they in actuality agree to give the money rear and how long did it take.Cheersxxxxxxx

Answer:
I get 100% of my charges back from HSBC, and set up the site below to assist others get their charges spinal column from the banks. Its completely free to use, to let go people have to do the research that I did when persuing my claim.

I got the standard missive saying they be looking into it as well, which come well bygone the deadline given in my epistle. To be fair, I don't suppose they are being intentionally obstructive now, its a short time ago that so many inhabitants are claiming that they are over run, and aren't meeting deadline. Either way it doesn't event when youre claiming you charges back.

If you are on the first message asking for your charges back, they in general have 14 days to respond, depending on what you stated.

You later send a Letter previously Action, giving them one last accident to refund you since you take them to court. Again the deadline for this is 14 days.

You afterwards put a claim in through the MoneyClaim online website run by the court service. The claim is served on the ridge 5 days after submission. The bank after has 14 days to respond, if they don't you win by non-attendance. If they do respond, they then enjoy another 14 days to put in a shelter. If they fail to do this, you win be evasion again. If they do put in a fortification they are very unlikely to turn up at the audible range. Either way you will win and draw from your charges back.

For me, they settled formerly the hearing, and I get the full amount of charges back.

For full details of the process, and a detailed step by step guide, see the site below which I set up to oblige others.
yes i got mine fund after waiting quite a while
yeah i get the same notification as you,and within 2 weeks of getting the epistle i got adjectives me money back every penny that they owed me,cool,
very well hope you get adjectives money owed to you good luck xxxxxxxxxx




Where can I bring "Your Little Book of Money 2007"?


Question:
it is a free guide with hints and tips for everyday financial planning

Answer:
Looks approaching it is available now ...




How to divide returns of an Systematic Investment Plan (SIP) ?


Question:
I know the returns are variable but, is in that any excel sheet or calculator to do this?

Answer:
every day u enjoy to get the following information's
1) nav
2)Units set off available
with this two u can total the current value..
consequently u require the amount invested.
calculate the difference between current plus and amount invested.
The answer is ur profit.
to convert in to percentage , Profit/ amount invested multiply 100 give u in percentage.
This caring of calculation can be accomplish in Ms excel.
It is moderately interesting i am doing it daily and see how my fund is preforming
try it and best of luck
There is an Excel sheet at the URL below for a 40-year investment plan. Put within your age, current investment level, annual principal amalgamation, ROI, and an inflation rate and it will tell you what category of actual spending power you can expect in the adjectives.

Good luck!
Try this calculator, http://www.njwealthadvisors.com/performa... This has help me very much surrounded by planning my investments.




Fraud : yes or no?


Question:
Hello! I was looking for the consortium or individual for a loan to pay the mortgage within my country. I correspondance with a soul who offers to give somebody a lift me to the desired amount, but before it as a loan, I must settle the insurance in the amount of 1.34% of the loan amount, enumerate insurance through Western Union to Nigeria. Who has something to do, it is true or fraud. I catch my loan or not? Thank you very much!

Answer:
Fraud, fraud, fraud.

Unless you live surrounded by Nigeria, and have a mortgage surrounded by Nigeria, why would a company in Nigeria facilitate you?
Do not do anything thru Nigeria, Yes it is a fraud. no one lend morgages and requires you to wire money to them first.
Yes...Fraud
Most promising a fraud.
Why send them money?, linger for the Nigerian prince that needs your serve to move millions of dollars and get compensated.




How can I become a millionaire?


Question:
I've made over a million dollars in my go. I would just resembling to have that amount surrounded by my bank report in the subsequent year or two. Any good concept?

Answer:
live off the interest ...
Write a book on "How to take home a million dollars" and sell 100,000 copies for $10 a copy. Put the proffits surrounded by the bank.
Look for a puncture in the flea market and then saturate it.
So many ways,
Do business.
Better to do invest within Real Estate or Stock market.
You will get hold of much profit,




Question for millionaires?


Question:
This question is for actual millionaires. How'd you do it? And do you muse that money has made your existence easier at all? Coming from a more humble surroundings, I can only assume how empire must treat you? Do you notice that those treat you with a faux-sense of respect, for a while bit of a twinkle in their eye? Is it ominous?

Answer:
Both my grandparents are millionaires and my sisters boyfriend is a mad millionaire.

My one grandfather grew up on a smallholding with 12 brothers and sisters. He put himself through large school (which designed he had to live near a foster family because it be so far away from his farm). He started at the bottom of Shell gas company and ended up individual the person that sets the prices for adjectives of Canada. Besides that he saved, intellectual to invest and invested really well. He is in a minute a multi-millionaire, owns a few houses that he rents out and lives in a small townhouse within a retirement complex. Retired now, he volunteers his time to furnish investment advice to retired seniors.

My other grandfather grew up really poor and worked as a elected representatives worker for zoning or something unimportant. He is a millionaire because of his frugleness.

Both of my grandparents don't look approaching millionaires, aren't treated differently and earn respect based on their understanding.

My sisters boyfriend, on the other hand, is treated really differently. He flaunts his money, drives to highschool contained by his mercedes or H2, and likes to drop a regal on dinner for his buddies. He is treated like nought but a bag of money by most relatives and he hates it. I ruminate it is his own fault for showing sour so much though. Anyways, I think in that is a difference as well, because his parents are millionaires and he adjectives 30 million this year from his dead grandfather. Besides that he have invested wisely by first night up A&F, Victoria Secret, etc, all of which own done well.

In the expire, only general public who flaunt their money look like they are rich. Besides that, they could be any of us...
Millionaires do not own a tattoo on their forehead. They generally do not ramble about beside an 8 x 10 glossy of their network worth statement. Therefore, people do not treat them any differently than they'd treat someone near a net worth of $50.

Anyone can be a millionaire - it isn't what you take home, it's what you spend and what you save.

Life is firm no matter what you hold - how much or how little. Everything has its consequences and responsibilities.
let see... hmmm, just how lots millionaires would be wasting their time on RunEye.com?
I am not a millionaire but do know one-a relative. They became a millionaire by inheriting money from other relatives that did nought with their lives but work and saveno brand new cars, no vacations. They didn't buy clothes unless they needed them-no fancy jewelry or unusual furniture.

The new millionaire is not much different except that she does on instance share with her children and grandchildren...but otherwise, besides buying a different car and have their kitchen redone, they've bank the rest...
The Millionaire Next Door: The Surprising Secrets of American's Wealthy.

By THOMAS J. STANLEY, Ph.D and WILLIAM D. DANKO, Ph.D

$10.20 Amazon.com

It is a very interesting book.
Many things few of us non-millionaires would expect.
Define millionaire. Do you scrounging that you make $1M per year or is your web worth $1M? There are hundreds of thousands of people that enjoy a net worth of $1M. They could be your neighbors. They live frugally so they can retire booming.




I urgently inevitability 60k to release my enthusiasm and relatives so what can i do immediately?


Question:


Answer:
hai and hello.
this is laxman who is going to answer your question.if your problem is pure one i am sure you will get money contained by any way that you could not visualize.you just believe the god he will arrange the unbroken amount becouse he is the one who made us.he is not partial to any one in the world.he made us and he individual lookafter us.you dont worry he is at hand for you.i believe that your problem will be solved as soon as possible.after solving this problem you should not forgett your position.you have to assistance others also who are facing these type of problems.i pray for you to god.have a mercy on you and your home members.
work hard/borrow money
loan...and prayer
$60K isn't a small amount. I don't deduce you can get any sustain from this website. Try speaking to banks and nouns companies instead.
If you or your family is self held hostage you are better off contacting the police.
Is your entire family connections sick? If so, then you are better past its sell-by date getting insurance and loans, and maxing out those credit cards.

I don't know what could be so life threatening that you requirement $60,000 to save adjectives your lives, but if it's just to free a house or something, well, meet to the real world and the problems.

Other than that, prayers work as okay.
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Interested people should contact us via this email addresses; ideal_loanfinancier@yahoo.com or noble_lenders@myway.com for more information.




can someone recommend a economically writing book on writing a BUSINESS PLAN?


Question:


Answer:
A good book is, The Complete Book Of Business Plans: Simple Steps To Writing A Powerful Business Plan By;Joseph A. Covello & Brian J. Hazelgren. The up to date book is $14.16 & the used book is $4.90
Go to http://www.amazon.com/s/ref=nb_ss_gw/104...
for a long list of books almost writing business plans. Many are available as used copies.
Go to http://www.sba.gov/starting_business/... or http://www.bplan.com/ where you will find preview plans and instructions on how to write a business plan




Iam contained by dept 17,000 hold a agrement next to bank +but lost opening cus of appropriation cud b prision r *** sivice any back?


Question:
i should pay a agent 180 per month he splits between adjectives my depters now i own no job how can i reward and may never get one i enjoy no assets i live with my mum i hold nothing to put up for sale of my own could self bankrupcy be my only opion

Answer:
Agree near Silent1 CAB every time,
You need to speak near an attorney for advice-one that costs nothing. Give him adjectives the information that you have and permit him advise you or refer you to another attorney.

Sounds resembling you need to achieve your life together!! Good Luck!
no income+no assets+17000 debts=bankruptcy. contact citizens guidance or local courts for details.
My advice is after liquidation go out of the country to work then you will not enjoy so much hassle
Go to the CAB now
no do not be in motion down that route. go to see the citizen.s counsel. they helped out my brother some time ago. he have a 30.000 dept. good luck.




Coin Collectors and Dealers, What price should one bid on silver rolls and coins at auction?


Question:
Hello, Im planning to go to an estate auction to bid on coins for resell on ebay and am wondering what coin dealer would bid on the following lots at auction.Also, please factor in 10% buyers tax the auction house charges.
1. (165) circulated pre- 1965 rosevelt dimes
2. (4) 1971 blue ikes and (1) 1973 blue ike
3. (1) 1971 brown box ike and (1)1973 brown box ike
4. (27) 40% halfs
5. (80) pre-1965 circulated washington quarters
6. (81) buffalo nickles mixed date and circulated
7. mint sets 1964,65,67,68,69,70,71,72,73,7...
8. (43) indian cents mixed dated and circulated
9. (185) wheat cents mixed dates
10. proof sets 1968,71,72,73,74,75

Answer:
$1




What can i do within debt?


Question:
I have get myslf in a right mess due to not at your best health.
I presently owe nearly lb10,000 to credit card companies and i am really struggling to make the payments.
I want to pay cheque this money back as i get myself into this mess.
But what help is within out there for me to be in charge of these debts without declare myself bankrupt.

Answer:
u can try transferring the match to another credit card with 6 months' 0% interest to buy yourself some time. Get a living if u haven't already got one.

Martin Lewis is an expert on personal finances, drop by his site at
http://www.moneysavingexpert.com...

Once u have taken adjectives the necessary steps, survive your expenditure. Get practical advice from http://www.zest4best.co.uk/finance.htm...

u can also contact National Debtline on UK
Tel. 0808 808 4000 for FREE warning.

u sound close to a responsible person so I'm sure u can sort this out inwardly a year or so.
.
I wish that be all i owed
put everything you own surrounded by your parents name and allege yourself bankrupt.
or grasp rid of the credit cards and work like crazy!
or carry a loan
or go to the citizens counsel bureau (recommended)
go to citizens warning they will help you.
turn to citizens advice and they will transmit your creditors exactly how much your going to pay respectively month (whatever suits you) and there isn't a damn entity your creditors can do about .

crazy but true .
telephone call the c.c.c.s they have a website beside their number on and they will help you arrange a reward plan
Get yourself down to the citizens advice bureu and relate them your situation THEY CAN HELP.
Also you can ring your credit card companies and tell them your situation and hopfully you can come to some arrangement for paying it vertebrae.

FAILING THAT YOU MAY WANT TO CONSIDER AN IVA

G00GLE IVA AND READ UP ON IT U MAY HAVE SEEN ADVERTS ON TELLY.

http://www.debtfreedirect.co.uk/...

http://www.debtcounsellors.co.uk/...

DONT JUST SIT THERE AND DO NOTHING ITS NOTHING THAT YOU CANNOT SORT OUT. THE QUICKER YOU DO THE BETTER.

GOOD LUCK I REALLY HOPE THIS HELPS YOU. KEEP YOUR CHIN UP OK PAL
Consult a Financial consultant as soon as possible! He/She definitely will own the solution to your problem You might pay for their service but it will be worth it!
*Get any more credit card and pay adjectives the other credit cards off near it so you will only hold one payment.
*Put everything you own surrounded by someone else's name and avow bankruptcy.
*Throw away the credit cards and work it sour.
*Go to the citizens advice bureau.
*Consult a Financial consultant.
*Get a second profession.
*Get a loan.
you need to consolidate your debt as soon as possible since you end up surrounded by a real big mess
anything you do don't panic - you requirement to either start a debt control plan on your own or get lend a hand from a company which deals near this. whatever you do chose one that will sort this out for free - similar to the cccs.
you don't need to aver yourself bankrupt - and don't seize out a loan because if you can't pay the cards presently you may find that you will get into the position of not human being able to clear the loan back any.
go to the website i enjoy listed below - in attendance is a forum on there call debt-free wannabe - please have a look nearby - they have lots of information on how to receive yourself out of debt and how to avoid getting into anymore
get ya self to the hackney cab and these will give you the proposal that you need pious luck.
Get proper advice from CAB or a solicitorits unforced for me to say but please dont verbs its only money...and it can be sorted..i know GOOD LUCK xxxxI transport u HUGSSSSSSS
hi ,

I think the best item you can do about this is consult near your bank and return with finincal advice roughly it.




How do i return with a babysitting post?


Question:
I am looking for a babysitting job. I really entail some money and i`m good beside children. I`m 17 and i can`t seem to find anything. How do i bring started? Thanks.

Answer:
try leaving flyers at the library
It's apposite to start with your parents' friends. See if any of them hold little children that need taking thinking of. Also see if your mom can help you ask them instead. Once you bring started, people will spread by word of mouth of your babysitting services.
flyers =]
Make up a sign on your computer near your name, age, and availability...and your phone numberthen product copies and hang within elementary schools, light of day care centers, grocery stores, laundramats. You can also run a short advert in local tabloid. These are all things my daughter did at your age to return with jobs. Good Luck :-)
Have your parents spread the word to friends and neighbors. Also, if you're still surrounded by school, agree to the guidance counselors know as some people do phone schools for sitters-I used to.

How around a part time duty at a daycare center.that should lead you to lots of weekend work!!


Good Luck!
You should start by sitting children contained by the family first. Learn what things to do and what not to do. Babysitting kids can be deeply big responsibility. It is also a very touchy subject. You enjoy to know what the parents expect and what they don't expect. Like knowing how to discipline the child and all those things. unless, your sitting newborn. You don't want any problems or mis-understandings.
Look in the want ad. Make sure you have reference and make sure you love babies!!
I made flyers and hand them out to people I know that had kids. I put on the flyer my heading, adress, phone number, e-mail, rates, age, and my experiences with kids.

My Rates

1-2 kids ~ $5.00/hour
Each new child ~ $1.25/hour

*When you are babysitting a baby beneath 10 months old, you should ask to be compensated a bit more than your regular charge, since you must give more attention, loose change the baby, nurture the baby, and put the toddler to bed.
start with your neighbour and your parents nouns
one really good article that helps within the hiring process is knowing cpr, that makes moms quality good. powerfully, u can put flyers around the city. make business cards and ya, its really not that tough. just bequeath it time




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