how do I chronicle my income if I am salaried next to currency?
Question:
I am paid within cash by 3 employer
Answer:
Honestly, I wouldn't claim any of it. Since you didn't pay taxes throughout the year (from 3 job, no less) you are probably gonna owe a large chunk of make over to the IRS.
There is no way I'd schedule it, you'll end up paying taxes.
Each of them should hold sent you either a W-2 or a 1099.
If you formulate less than $600. from respectively you don't have to profile. If they don't withhold taxes you should receive a 1099 from them.
Don't worry roughly speaking it. Even my tax guru told me so.
Friend file chapter 13 ruin and simply bought a 2007 fully loaded suburban!!?
Question:
Ok, I have this friend who have gotten herself and her hubby in crucial debt. She has since talk him into filing ruin. They talked to a legal representative and have approved to file chapter 13. She have a nice Tahoe that would have be paid bad in 1 1/2 yrs and he have a 2005 truck. Since they are filing on their vehicle also she decided they should lately get a contemporary vehicle so they went and traded surrounded by the Tahoe for a 2007 fully loaded Chevy Suburban, which they are planning on adding into their ruin. This does not seem right to me. I thought the view of filing be to get out of debt and to oblige your financial situation, how can they do this, is this legal???
Answer:
A chapter 13 ruin enables individuals next to regular income to develop a plan to repay all or section of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years.
The court sets up a pocket money plan and during that time you can't get credit cards or a loan short the prior approval of the trustee and/or court.
So, with that within mind, they'll have to take the court to agree to add this into the recompense plan and approve the purchase. I'm not sure if this can be done after the fact ... although from your message, it looks resembling they have ... <?>
Sounds resembling fraud to me.. although I am not an expert.
That is just wrong,too bleak theres not somewhere you can report them.
Sounds like fraud surrounded by a sense, I don't know much about imperative though :)
It is legal to include adjectives your debts, but a chapter 13 is a reorganization where they will hold to repay all creditors, probability are your friend will later convert the chapter 13 to a chapter 7 and try to receive out from under adjectives debt. IF the purchases was made contained by anticipation of Bankruptcy then the creditor who sold them the motor can attempt to opt out of the bankruptcy when and if it is converted to a chapter 7. All purchase made inwardly 90 to 180 prior to a bankruptcy file are or can be scrutinized.
Does that relief at all?
It's court, as long as they intend to pay put a bet on the new loan, which they will hold to if filing Ch. 13.
However, it is beyond stupid.
I would bet that they backfire out of their bankruptcy and it get dismissed because they can't keep up near their payments. They obviously enjoy a very skewed sense of what is financially intelligent.
Then they'll own their nice new Suburban repo'd, and owe even more money, and won't qualify for collapse relief again since they screwed it up the first time.
Don't be surprised if they own financial difficulties 10 years from now. They clearly can't swot up the lessons.
Sounds resembling fraud by your description. We taxpayers pay for that. I would regard they would take that vehicle surrounded by bankruptcy, but who know today? Must be some other circumstances you are not aware of. Maybe the vehicle is a business vehicle or vice versa and not related to the impending bankruptcy. Remember corporations are not division of a personal debt.
That is illegal. Especially if they already file the papers of bankruptcy. They cannot give on any new debt to their already file papers. Her lawyers probably would support her that they cannot add any topical debt, if that fell through, this is very forbidden. Tell someone who can do something. That is very undeserved to people who are busting thier butts to brand name ends meet and their own motor payments.
Ask her if she really thinks she will catch this vehicle "for free"? What she is doing is ruining her chances to carry her bankruptcy released. And if she does obtain it for "free" we all necessitate her lawyer. Not gonna come up. Bankruptcy and expensive vehicle purchases would be at an all time lofty.
They may file but the mediator may not grant the liquidation, they will check all financial accounts and they will hold to give the saloon back or will own to pay it bad, Poor fools. I filed a collapse and It was a great burden rotten my sh oulders, but we payed off our coup¨¦, and only lost our home. It have been two years immediately and our credit is wonderful. We qualify to buy another home but the interest rate is much higher than other folks, plus we close to renting for now. we are going put a bet on to school to sort better choices and we will survive.
Hi,
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You enjoy a loser friend, they are trying to outsmart the system, but do you really think it'll work? There are lots and lots of folks who are much smarter than your friend who run the system. They will get what's coming to them.
Can I use my U.S. ridge debit card surrounded by the U.K.?
Question:
Answer:
If it's visa yes I think you can
Yep!!
Absolutely! No probs!
I use my UK debit card contained by the USA a lot!
Hope this help!
usually yes,, but you can call the toll free phone number on your card to find out for sure,
And
you will obligation to call the card company anyway to speak about them when you will be in Europe and where on earth, otherwise the card won't work outside of the U.S.
where ever you plan to use it, purely make sure they adopt whatever symbols are on your card, resembling mc, visa and the others on the back. also, appointment your card company and tell them you will be traveling in a foreign country. otherwise, they may see it as "unusual activity" and suspend your account to protect you and after you won't have access to your money! (happened to me!)
Yes. Debit cards can be used world wide open. You might have some fees to remuneration though because of the exchange rate.
you will be able to use your card within most cases,you will pay on top rotten the item when you return to the states it will show up on your statement exchange rate and a total you need to devise it though only use your card as minimum,you are better sour taking out your money needs contained by the U.S.A you know how much you would like to spend and will know how much you can spend when within the U.K,Take out travellers checks is the safest way to take money with you when visit other countrys
Yes. You can do this by two means. One If you're debit card have a Visa or Mastercard Logo on it, It is accepted worldwide. Two, on the put a bet on of your debit card there are logos for different companies that submit access to your bank justification but you would have to meeting the logos up with the establishment (They usually are located on thew window next to the credit card logos) or atm.
Yes you can, you a moment ago might be charged an extra fee at the atm or for point of Dutch auction purchases.
Anyone out within earn 100k per year and cant give the impression of being to release a dime?
Question:
ADD IT UP...2000. HOUSE PYMT,1000.00 IN CAR PAYMENTS...2500. IN MISC...ABOUT A 6000. NUT TO CRACK EVERY MONTH. IM SELF EMPLOYED AND RETIREMENT SEEMS TO BE JUST AROUND THE CORNER!
Answer:
You need a budget. What? A Budget? That's for ethnic group who don't make immensely much money.
No, it's not. You need to do a budget. You necessitate to find out where every penny of your money is going, later decide what you can do short. How much you can save depends on how much you are liable to do without.
I enjoy been in attendance, my friend. Well over 100k/yr, and no idea why I be going deeper in debt adjectives the time. When we figured out where on earth all the money be going, it was effortless to cut out some of the stupid stuff. When we got a touch extra cash flow we started paying stale the credit cards and the cars. After that I paid rotten a large business loan. All that we owe on very soon is the house, and without adjectives the payments we live very other and can still save.
Read "The Millionaire Next Door", by Thomas J. Stanley and William D. Danko. Read "Rich Dad, Poor Dad", by Robert Kiyosaki. Read "The Total Money Makeover", by Dave Ramsey. All these books will administer you an idea of what you should be doing. All espouse different philosophies, but I own been competent to combine points of each to create my own.
It can be done. I did it. Good luck to you.
6,000 surrounded by misc. expenses? what kind of misc. expenses, you should stop buying stuff you don't necessitate.
Parkinson's Law...your level of income other rises to meet your plane of expenses...
My boyfriend and I make over 100,000 a year but we save alot of money this year by selling our house and renting a cheaper apartment .We're saving adjectives the extra money we would be paying for the house payment and going to try to clear about partially down on our new house so we enjoy a low payment.Plus we set free and pay lolly for everything so we don't have any bills besides utilities.
hear of this old truism THE MORE YOU MAKE, THE MORE YOU SPEND. i got held up in that, what a mess.
There are lots of little things you can do to reclaim lots of money on your budget and chances are you may not even see the difference in your lifestyle. For Free information click on my given name (Aquarius) then click on my 360 profile page and look practical the top of the profile page. Go to the "Money Saving Ideas" and "Cutting Expenses" pages of that Site for lots of great thinking. (I cannot post a link here because posting a cooperation in an answer is against the rules)
You're overextending yourself. You can generate a lot of money, hold better toys than everyone else, and still be broke for that exact reason.
Instead of buying bad-asss brandnew cars, buy used cars, and drive the damned things into the ground. You don't involve to be spending that much in miscellanious things. Between groceries, gas, and the few books that I close to to read a month, I spend about 2,400 a YEAR. On the occasion when I need clothes, I hit up the thrift stores first. My coup¨¦ is about 250 a month surrounded by maintaince and expenses (insurance and note), and it's a decent sports car.
I pay roughly the same for a house a month. There's no avoiding that, but the rest of it is more or less easy to avoid.
Tring to find the work to my house?
Question:
Answer:
Check with the lawyer's department who orginally did the deal for you.
If its too far ago, check beside the land registry bureau in your town. You may hold to go through really ripened records if its over 30 years ago.
If you hold a mortgage, the lender most likely have physical possession of the deed...
What is the quickest course to clear money as a child?
Question:
Because I am getting ready to remodle my room and as expected tha costs money. I will need to elevate $400 to do my room. I am trying to raise ample money to do it this summer! Also I am an 11 year old.
Answer:
Put together a specific inventory of the kinds of services you will do for associates and what you will charge for each. Do a 1-page flier next to a professional but youthful, upbeat look to it, and purloin it around your neighborhood to hand out. You might even knock on doors and speak to inhabitants as you hand them your flier. You come across very articulate; I have an idea that you would do well.
One more point: make sure adjectives this meets your parents' approval back you do anything. Good luck; I admire your ambition.
what i did be i borrowed 1.2k from my mom, invested it all within the stock market, i made that into 1.4k, give her back wat i borrowed and boom, bam, shazaam, 200$ right near. PS: i made that off of ralph lauren
Babysit for clan, do odd job around your neighborhood, do chores.
that's your mom and dad reasonable to remodel your room!! invest your 400 some where on earth Else!! buy a savings bonds for 400 and contained by when your 41 its worth 800! double your money!
get your dad to wage child support
babysit, mow lawns, show your parents that you are mature adequate to earn a bigger allowance
baby sit mow lawns///
Depending on the neighborhood you are living contained by, you can help Neighbors near yard work and coupé wash. Also depnding on the financial status of your partents, you can convience them to compensate you for work you can do around the house. So vitally, think of things you can do near the people around you. How can you produce their life easier.
Best Answer - Chosen by Asker
you can product most 1,â—‹â—‹â—‹ $ A WEEK
Make jumbo chocolate covered strawberries with nuts on a Popsicle stick. At the precinct they are 5$ a chocolate covered strawberry, sell 30 a afternoon each one is 2$ and you will formulate 60$ a day if you get rid of all of them. And contained by a week you will make 420$.
and a month 2,520$
a year 30,240$ damn you could by a house. Sell similar to 60 a day
and surrounded by a year 60,480$.
Well Mr.Tyler. No Jokes and No Astrology.
I have read through your sound out and all the reply you've get. I hardly believe you are scarcely going to carry on beside those. Any way I will afford you something you can really do to make some money and even more than you expect.
You can other make some well brought-up money working on the net. But the most noteworthy factor is that you find a source that really helps you. It's totally worthless trying anything anywhere. Cause you have need of to pay them.And according to me 87% of on procession moneymaking schemes are fraud.
Thus I provide you the one I use and have found to be most fruitful contained by comparison to the price that you need to earnings.
Take my word:
1) I suggest you put some 1-3 hours of effort and you will see really succulent results.
2) It's not spoon fed. You involve to have a desire to work. Cause contained by world nothing comes for free.
I hope It will work for you explanation it works for me. And I love the ease of its usage. Hope you carry what you are searching for.
Best Of Luck
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Can Someone Lend Me $50?
Question:
:)
Answer:
What about that $100 I lent you finishing week? The interest is adding up...
sure i will give notice it under the door mat surrounded by a white envelope you can pick it up anytime.
Sorry, I would like someone to hand over me $50.
Wait for the post man 2morrow, I've put it in the post 4u.
i verbs that you ask this online as i hope we are not a last resort...resembling all your authentic world friends have be exhausted as sourses of needed cash? poor friends? ummm ok afterwards next what do you requirement it for? is it for a legitimate expense? (as approved by myself) i need more information!
If solitary it were that straightforward, U know if each and everyone of you mail me Just one dollor that would be great. See a dollor is nothing until you enjoy ask everyone in the world for it.
You would never miss a dollor would scarcely even think of it.
But when everyone within the wold gives you one you world be richer than Donald Trump, Opra, and the riches man contained by the world.
Because there are billions upon billons of relatives in the world.
No double dipping a short time ago one dollor from everyone.
If that were possible you would be the clean riches man in the world beside over 1 trillion dollors because there are more than a billion Chinamen alone.
Oh economically sorry wish I could help out but I could use $50 myself.
don't worry get hold of it easy call in http://www.freewebs.com/getyourloan...
Do you at least a Nintendo GameCube to use as collateral?
I'm sure someone can, but they don't want to.
How can i get best return contained by stock bazaar & how can play next to stock?
Question:
Answer:
It is as good as asking how can i win a lottery!!
But stock souk , infact , is not like lottery. With devout planning and following simple rules u can be a winner.
Never be greedy,
Never borrow and invest surrounded by stock
Never invest your full investable surplus, hold atleast 25% IN CASH to buy in bazaar corrections.
Buy only honourable companies and hold on to them for a reasonable interval.Remember the Infosys IPO allottees who are millionaires now in need undue worry in the region of the market.Similarly , stick to apposite companies, try to average in their unpromising times.
You will be a winner.
GOOD LUCK!
for the best return that's risk-free buy something with a perfect dividend and if u wanna play with stock buy whats call penny stock there r seriously of stocks out there smaller amount then a penny
The first step is to take in who you are and what you want to accomplish. You need to be as specific near your goals and time lines as possible otherwise you cannot successfully gauge your progress; on target, ahead or behind rota, etc. This step is so important that I suggest race paper trade 3 - 6 months successfully up to that time investing/trading any amount of money.
After you've been successful within hitting your goals on a consistent proof then trademark sure you do not invest/trade any amount of money you are not 100% comfortable in losing. The stock souk is risky business! Fortunes are made and loss everyday.
Anyone interested in straight disinterested stock talk is welcome to listen to our live commercial-free radio show each Sunday - Thursday night 8pm - 11pm eastern. You are welcome to listen to the previous night's live show between 1am - 8pm.
Check out our website at www.subpennyradio.com and come receive your questions answered and be member of the nightly show.
first study
second watch financial word and market movement
third analysis yourself
fourth do tabloid work for sometime
fifth invest don't trade
If I Only put together 24,000 a year support a 11 year behind the times daughter and her mother,What president i pick financially?
Question:
I pay $850 rent $400 motor $350 in gas other bills
my credit cards are used to earnings some bills going deeper in dept. Who should i chose for President that would help out me ?
Answer:
If you want more tax cuts, you want to vote for a republican. If you like paying taxes and deem you can afford to pay more, vote democrat. The subsequent president really is not the answer to your financial problems. So the real answer here to "Who should i chose for President that would comfort me ?" is none. There is nothing the subsequent president will do to help you financially. You should do your own research on the subject to find out the platforms the candidate are running on and vote based on your personal values.
The material solution to your problem is this: You need to find another source of income, as within a 2nd or 3rd job to facilitate with the bills. The with the sole purpose way to get hold of ahead in vivacity is to work harder and longer than the guy next to you.
A democrat
I voted nator though
culture need to realize that you don't vote for a human being to be president. that would be like picking a player to win the super bowl. when it comes to presidential elections, you pick a get-together, not a person, and from the nouns of it you can't afford to be a republican. the democrats are going to have more compassion for your situation.
It's apt that you are thinking that you should choose the one who would operate in YOUR best interests.
Traditionally, Republicans hold favored big business and the Democrats have favored the little guy.
This is not to bring back into "political philosophy" disputes, but it is just a certainty historically.
So whoever is the candidate for the Democratic body would be the one most likely to see to your interests.
Presidents unsurprisingly cannot control what utilities and gas companies charge, and they don't write the national budget. But they have profoundly of influence on the budget process and tend to set a tone regarding where on earth the government spends its money and where on earth any taxes will be raised and lowered.
So is it even more exalted for you financially to vote Democratic in the state elections for US Congress, as they are the ones who contribute in the budget process directly.
Whoever is the subsequent president, whether Republican or Democrat, will have the gargantuan - huge-normous - debt that these wars we're contained by have and are ringing up. So don't look for any tariff cuts any time soon. But a Democratic Congress with a Democratic President will tend to increase taxes more on rich society and rich business than on the little guy.
Vote democrat..please!! Republicans steal and cheat and get huge excise breaks because they have money
What is the actual difference between an IRA and a Savings' information?
Question:
What I want is this:
I wish to retire impulsive, therefore I am liable to save up AS MUCH AS I CAN. E.g., even EUR2,000 per month. (whereas I seem to be to understand an IRA solely allows a maximum amount of EUR4,000 YEARLY.) Without the thief issue, I could efficiently do this by storing cash within my home, you know? I don't want that account to be blocked so that I can't filch money out of it for years. I'd simply like to put an average of EUR20,000 per year into it, and own it grow with interest as much as possible throughout the years. There have to be a solution that suits this basically simple intention. What is the best rationalization for me to get and where on earth? Be specific if possible. Thanks!
Answer:
In the US, IRA accounts allow race to set aside money without levy consequences. A simple IRA lets you discount the money you put in, and a Roth IRA say the money will be tax deductible when you run it out. There are also SEP IRA's, which let you put within up to 15% of your income, I think.
Storing brass at home means you don't bring back interest or tax deduction, and you could lose it if there's a fire.
You should look into getting a stock brokerage account and investing. You can repeal the money at any time, although it's better to buy and hold.
If I database for collapse, will I loose my 401K?
Question:
I'm deep contained by credit card debt. If I take a loan against the 401K I loose 20%. Is this better than file bankruptcy??
Answer:
Nope they can't touch your 401k. It's a protected asset. so you shouldn't touch it any!
No, you can only loose 401 to child support.
Yes...ruin follows you for 7-10 yrs...using your 401K will only cost you money, not your credit history, anything you may want to buy contained by the future, job...etc...
You will lose your 401k because it is a liquid asset. Regardless of the reality you will be punished with a 20% lose if you currency out... the judge won't aid. You need to be completely asset-less formerly filing or they will lift things and sell them for you.
99% of the time they won't touch it. Set up a free consult next to a bankruptcy advocate and talk to him (or her) just about any questions you might hold. Start making a list of question you would like to ask and you can incorporate to it anytime until your appointment.
anything is better than bankruptcy, trust me. and today you can't only just wipe away like you use to know how to, new law. now it go against you and you still have to settle it all past its sell-by date, just thru a clearing plan now next to the courtsand imagine skipping that settlement, HA!
sell your sports car, sell your house, trade anything you got, thieve 3 jobs, ANYTHING but liquidation.
I was forced into one due to business partner cheating and collapsed the company due to appropriation. That was 2000, I still can't sign for a house nor take normal % on a vehicle loan, even though I have reopened the biz and am doing great. The occupancy "bankruptcy" kills it so fruitless.
nothing is worse than file b.k.
period.
20% sucks, but so does the inability to ever catch a mortgage.
Nope. File Chapter 13 bankruptcy. You can protect your assets and catch on a payment plan if you own a home, vehicle, etc. Costs roughly a grand and will potentially absolve you of debt. (Transfer your titles and deeds to a family connections member first)
Your credit will be f*cked for 10 years or so, though.
With a few infrequent exceptions, you do not lose your 401K in a liquidation.
What's best for you depends on your circumstances, but I would think twice past touching the 401K.
Chances are you'll never pay the money spinal column, and the finanial impact of that is bleak. Also, you are at no risk to lose it now, and near may be no need to afford it up.
I suggest you see a credit councilor. Many areas have them for free. Call you local city or county governement, check out the phone book and look on the lattice. Watch out for debt consolidators who work for a fee: Try to find a non-profit cleaning.
Pretty much the last entity I would do is cash out a 401K to reimburse off a credit card. Talk to a credit councillor and you'll see why.
No, you will not lose your 401K to collapse. The laws own not changed that much at all. If you bargain to an attorney you would see that its very natural to file.
by far bearing better cuz ur borrowing from yourself and paying yourself back at one and the same time with the repayments on the 401k
No, the lone way to lose your 401k is to the IRS and to your ex-spouse surrounded by a QDRO. So long as your bankruptcy isn't due to owing the IRS money (I don't contemplate that would get discharged anyways) after you're ok in regard to your 401k.
People say lug the distribution first...I say exhaust every other resource. First, even to access the 401k you'd hold to quit your job. So you'd be 1) out of a work 2) owe big penalties, and 3) hold killed your current credit situation and your retirement prospects.
Bottom row is if you file ruin, it's a temporary entity. Yeah you can't easily seize a mortgage or a car loan beside a decent interest rate but it's individual on your credit report for a few years. If you take a distribution from your 401k you'll NEVER be competent ot make up those funds. Assuming you live to the average life span span of 85 or so that's 18 years after retiringFAR longer than the 7 years of bad credit rating.
Never sacrifice long permanent status fiscal health for short possession gains.
Your 401k is exempt from creditors surrounded by bankruptcy. It might be available to earnings Domestic Support Obligations or taxes. If you take a loan against it and don't compensate it back, you'll reward taxes and penalties.
NO...can't touch it!!
How exactly is the safest means of access to settle through email using PayPal?
Question:
I'm supposed to pay a friend; I'm supposed to create a payment to her email. How exactly is this done? Is this sheltered? Can I use PayPal?
Answer:
You just log on to paypal and click on the Send Money tab.
Put her email down and the amount of currency you want to give her.
whatis a mound draft?
Question:
Answer:
Bank Draft is a one kind of promissory not issued by one mound on another bank, where on earth by, the other bank promise to remuneration,on demand, the menioned amount to the mentioned entity on presentation of the said promissory note.
This is when you gross an arragement with the mound to get more masses than you have surrounded by an account.Yhe guard will charge for doing so.
A bank draft is completely similar to a check, except that it has special conditions on it. One of the most adjectives uses is when a company that buys cars from individuals pays the individual on the condition that the car is really owned by that individual and not stolen. The guard draft can be deposited in a checking narrative, just approaching a check, but it takes longer to clear. The company that wrote the draft reserves the right to bounce it if the vehicle turns out to enjoy an invalid title.
A bank draft is a banker's cheque. To put it within simple words, it is a cheque like 'instrument' issued by a wall only after you hold paid that amount to the hill. This way the draft will not bounce if the person/company who you issue it to presented it for 'realisation' in its expiry.
Why does one ask for a bank draft? Answer: When dealing next to unknown parties populace want to be sure that the 'cheque' will not 'bounce' after it is presented. When a personal checque is issued it can bounce because of lack of funds or if the soul gives a 'stop payment' instruction to his wall. In case of a draft, the amount is assured.
Bank draft is newly like a cheque. But you stipulation to pay some money (cash) to the mound first before the guard giving you the bank draft. The simply person who could draws the money are the on who buys the draft, or the other one would be the Payee.
I NEED $6000-$10000 tomorrow!?
Question:
No advice. I newly need it approaching yesterday and I can not go to the guard for anyone who is going to answer with that. PLEASE SOMEBODY HELP!!
Answer:
borrow it from ur people or friends
Try bill Gates I hear he has a few dollars to spare
Borrow it.
you should own taken psrt in who wishes to be a million air.
NO ADVICE--WHY THE QUESTION?
no counsel, just forget in the order of it.
My Advice to you is borrow it from payday loans/ or a lender thats what I did if you look though RunEye.com you would find him first name Is kennedy apt luck
If you have $500,000 to invest, would you put it within the stock bazaar or save it surrounded by a money bazaar sketch?
Question:
Answer:
Where you suppose to invest that money is determined by age and what you want from your investments.
For me, I would diversified it into mutual funds. I'm only 25 years hoary and retirement is years away. So I want to achieve big growth in my investments. I would put $4000 into my Roth IRA, $100,000 into my 5% online funds account, and the rest into mutual funds outside of the Roth IRA. As I carry closer to retirement, I would invest less to soaring growth funds and more toward growth and income funds.
I currently have a mixture of different mutual funds from like peas in a pod fund family contained by my Roth.
stock market my friend. i made soo much monney bad of that. I
've doubled what i invested.
That's too limited. I would diversify more. Some surrounded by the stock market, some contained by gold, even some existing estate. Definitely some money market. If you really enjoy that much money, go see a professional advisor.
Id most feasible diversify it in a combination of the flea market, bonds, and some real estate. Id expected keep some of it within a money market because of guarenteed positive returns, however small.
250,000 within the bank
125,000 contained by the stock market
125,000 contained by mutual funds
Well its better in the MMA until you can communicate to an investment rep and get some great recommend. Ask your bank something like talking to your investment rep, its free and you take great advice.