Does my penny enjoy special convenience?
Question:
I came across a penny that, instead of the Lincoln memorial, have "one cent" printed on the back. It's surrounded by very polite condition, but it's year is 1956, which makes me doubt it's worth much. I be just curious if it have any special value bar one cent, of course.
Answer:
Its call a wheatback penny, the have books for collectors where on earth you collect one from each year they be made. Its not worth much unless you have a complete collection.
Not really. Look at the 2 dollar bill, that doesnt hold much value a penny wont.
NO. That be the standard wheatback printing for that era.
No, but if the value of copper keep going up, maybe it will be worth more than $.01 sooner or later.
U liberate 4500 a yr for the subsequent 20 yrs.6K for nxt 15, 7%return. u want 2 generate 15 equal wdrawals, how much r they
Question:
rephrased q: you plan to save 4500k a year for the subsequent 20 years. and then 10K for the subsequent 15 years. average return will be 7%. you want to make 15 equal withdrawal from your account one year after your final deposit of 10K. you assume the money will verbs to earn 7% for the entire time until the last renunciation. what will the amount of withdrawals be?
Answer:
Answer is $84,000.00.
4500k a year for the subsequent 20 years = $184,479.72
for 15 more years this amt = $508,985.37
10K for the next 15 years = $150,774.13
Total = $659,759.50
But you implied to compensate in 10K as ending payment, so...
1 more year = $705,942.67 + the 10,000 = $715,942.67
And 1 more year at 7% = $766,058.66
Draw down $766,058.66 contained by 15 years in $84,000.00 decrements.
First ask, withdrawals will be $47062.84
Second, withdrawal will be $54232.99
Does things we enter show on the bill or it merely speak individual internet payments and the amount you necessitate to retribution?
Question:
Answer:
I could help you out if I know for what account you are speaking of. I suggest you are talking give or take a few pay chum?
I believe that it will only show the reward and from who...
If you with the sole purpose have $500 to adaptation your financial adjectives, straight away, what would you do?
Question:
Like 90% of Americans, I life Paycheck-To-Paycheck. Little or no stash and if an emergency expense come up, I'm devasted. I just received a $500 bonus from work and I want to it to coppers my life (far fetch, I know). But what would YOU do, have you DONE, near an extra $500?
Answer:
I would invest it into a turnkey MLM business that has met adjectives criteria to be legitimate. I would work it sector time around my job so that my residual income equalled or surpassed the income I gross now and next I'd tell my boss that I'm departure.
Then, I'd have a big group at my house with adjectives of my co-workers to celebrate my precipitate retirement.
That's it.
First of all, report the spammers. You can revision things. Start saving in a minute! You've got 500, it's a start. I'm sure you can cut your expenses. Everyone can. Think almost what you REALLY need as challenging what you want. Someone smarter than me once said "There is no end to human desire." It's not so much what you breed but how you manage it that's noteworthy. You can live very okay and save plenty on a modest income if you live frugally. Take a actuality pill and figure out what to do. Don't verbs about keeping up next to the Jones's. They are broke! Concentrate on improving your own situation. You can exchange things in one second. The second you settle on to live frugally and save some of your money for you. Then pilfer the action. You will catch the results. It's inevitable. Don't be like everyone else.
Don't be a lottery knockout and don't expect to get rich overnight.
You can build a remarkably prosperous life for yourself, but it take time and discipline. Do it! I did, you can too.
Unfortunately, there is no such article as quick channel out to a paycheck-to-paycheck lifestyle. Unless you take a closer look to where on earth the exactly money goes and prioritize.
I would put 100% of that money to a dignified interest debt - i.e. credit card, car loan, etc. Then consolidate to a lower interest loan. You can salvage money in the interest payments within the long run.
If you bo debt but have kids or familial, I would put some of that money in a duration insurance policy.
If neither of those apply to you, I would recommend hiring an accountant to help you accumulate.
As a start to having an emergency description, I would put away $20-$100 a week using automatic/online banking ($20/week = $1040, $100 = $5200).
Money-Making?
Question:
I am a 13-year old teen boy. What are your reccomendations on how to make some money (for my funds account)? All suggestions welcome!
Answer:
I cut lawns - made great money doing it too.
Start w/ a few of your neighbors, consequently go from within. You could easily do a partly dozen lawns a week if you wanted to, and it wouldn't transport up that much time.
The three ways that I did it are babysitting, lawn effort & convincing my parents to raise my allowance contained by return for added duties.
Another thing you could do is saloon washing for neighbors, friends, relativesor doggy poop pickup.
Hey, my brother and I used to cut neighbors' lawns. Also, I'd pick up aluminum can for recycling. In my nouns, they're selling for 60 cents/pound. A pound is about 23 can. On the average weekend with polite weather... a guy could do pretty well. At smallest, in my neighborhood, he could.
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After reading all of the other answers, I believe that you hold a good deal of information for starters. One entity afriend of mine is doing. At twelve, he started looking at ebay and some of the other auction sites and seeing what people be buying. After two or three months, when he felt comfortable satisfactory, he started checking his local newspaper ad for sales and specials, he would later go next to his father and buy several of the currently hot items from local retailers on sale, financed next to his father's charge card. He would then put the items on the trellis and sell them, paying his father backbone with his proceeds. After three years, Dad still charges the items on his card, and Junior pays Dad when they go and get home and have a total final cost. These funds come out of Junior's stash account which is ample enough that he have set aside his college tuition already.
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I call for serve positive money.?
Question:
my hubby, daughter and i live with my parents. they are really driving us crazy. we wanna collect enough money to beable to buy us a trailor in the next year. i dont want to borrow anymoney. i already owe credit cards money approaching crazy. we would just inevitability to save going on for 5 or 6 thousand dollars. i don't work and i dont want to work but my hubby has a pritty upright job.
Answer:
Good for you!
> When you currency your old man's paycheck, put 5 or 10% within a bank justification.
>If he gets any overtime foot, put that money in a hoard acount.
> Every night, put adjectives your change within a jar and don't touch it!
> Make the minmum payment on your credit cards untill you enjoy your money saved.
> Look for trailers that hold been foreclosed on. You may necessitate less than you feel.
> Maybe you guys are driving your parents nuts too. If you guys are, ask them for the moneey, "If you pay us, we'll depart from. Otherwise we'll stay with you forever."
Put 10% (or anything you are comfortable with) of all money that comes contained by, into a savings portrayal. Then do not spend it. Maybe you can help out by "hiring" yourself out to citizens who need serve. Like do groceries for other people or verbs houses. Or babysit children. There are always fragment time jobs out near...
i was surrounded by the same situation a couple of years ago.we only just bought a house,and the sellers be nice enough to discharge all the closing costs.adjectives we had to pay packet was a 350.00 appraisal levy.even though you don't have a reserves right now,stir ahead and look for a nice place to buy.it's a buyer's market and interest rates are down again,and it's other easier to get a house than a trailer...we tried! flawless luck!
i want to buy a condominios, my fico is 770, but i hold low income?
Question:
my report income is $235.00 a week but i realy get remunerated $432.00
in my work they don't report me adjectives.
Answer:
For investment reasons or to live?
If it's for investment reason
It's a buyers market right presently, not a sellers flea market. So, even if you had the money... you are looking at sitting on your Real Estate for years to come.
Why? The property taxes and rediculous inflation have caused particularly little return on your investment.
For a place you call home...
It have everything to do with how much money you own in the ridge.
Just sit down with a professional indisputable estate agent from whom you will receive the information necessary to purchase a condominium. You will hold to provide all the documents concerning your financial status within order to build a purchase including your last income levy return.
What you want is basically a stated income loan. These allow you to include expected rental income into your financial statement. You usually still hold to come up with at most minuscule 20% down, or else you own to take out a 2nd mortgage on the condo for the remaining 20%. The 2nd mortgage usually have a high interest rate and a prepayment cost, but it will get the duty done in the right circumstances.
Call my branch if you own any more questions.
813-681-2866
Good Luck!
Frank
Does it any culture when they ask you for 5 dollars gas money and you dont own any money on you and you money...
Question:
them a few days later? i own t o do it all the time.
Answer:
Feeling a bit "pay you later" stress? If you find yourself doing this like mad you should make some adjustment and "fine-tune" your money, however meager.
As long as you pay them when you can, you're still an honorable gentleman.
If you win a lottery and you you choose annual payments but you die up to that time you receive it adjectives. Balance ?
Question:
Answer:
It depends on the rules of the lottery and the way you set up to adopt payments. Before coming forward as the winner, you would want to set up a trust to help yourself to the payments. That way if you should die until that time all payments own been made, they should still be going to the trust, since a trust doesn't die beside you. That's why most people don't show up the subsequent day to collect, they are getting this and rates advantages set up. Most people lift the lump sum, when it's available, because they can get a better rate of return on the money than by taking payments over 20 or 26 years.
You lose it. Thats why most individuals take the lump sum contribution.
If you choose the annual payment you other die in a saloon "accident" after a few years or so I hear.
Normally there is a guaranteed 20 year payout on the big lotteries, so it go to your heirs.
3 months bak i open icici description n get atm card instantly minus any deposit.Is depiction still b valid ?
Question:
3 months back, on my first morning in a company, icici inhabitants visited and i open an account.. they give me atm card and bank explanation book that time itself without any money deposit..i havent used that card till very soon. i want to know that is my accout and atm card still be valid today after 3 months..
Answer:
Your sketch and card may be active, if near has be no activity the justification might be in an inoperative status. It can be reactivated. BUT U NEED TO CALL THE BANK. find the customer service number on the back of the card or online- www.icicibank.com
Call icici toll free no & ask them!
Is MEGA 2000 IMPERIAL RANDOM DRAWS A SCAM??
Question:
YES IT IS. I WENT TO MY BANK WHICH IS WACHOVIA AND THEY TOLD ME YES. I ALSO CALLED THE BANK ON THE CHECK WHICH IS FIRST TENNESSEE AND HAD THEM TO VERIFY THE ACCOUNT AND THE AMOUNT, AND THEY TOLD ME THAT IT'S NOT REAL... JUST WANTED TO LET EVERYONE KNOW JUST INCASE YOU'LL TRY AND CASH THE CHECK... PLEASE DON'T BECAUSE YOU WILL BE OUT OF THE AMOUNT YOU CASH. BE CAREFUL OUT THERE IT'S A CRUEL WORLD
Answer:
WE GOT A LETTERPLEASE READ!!
My girlfriend got a check sent to her from Mega 2000. We go to our bank and have them check the account. Turns out the story is live but the WHOLE THING IS A SCAM!! In the letter they dispatch you, they tell you to contact your agent for more information, and as you would expect they give you a number to phone up. The number is a working number, but is from some company called FIDO. I'm not for sure but it seem to be a cell not an official business number. My girlfriend call the number got the voice correspondence. She pushed a bunch of numbers and it told her to enter her access code. She randomly guessed and enter the last four digits of the number they give, and it happened to be the right access code! She listen to all the messages...individuals left their name, numbers, and reference numbers. ALL THE REFERENCE NUMBERS WERE THEY SAME! TOTAL SCAM DON'T BUY INTO IT.
Tanya, flawless for your for recognizing this as a scam and thank you for posting it!
You are one of the few who did your research instead of coming here asking "How can I take my money back? I won a lottery that I never played!"
Thanks again,
ST
Can I hold money out of 401k plan at age 55 minus cost and donate 11000 payment to respectively son to purchase house?
Question:
Answer:
The normal age to be capable of withdraw money from 401Ks or IRAs lacking paying a penalty is age 59.5 years elderly. So probably not.
If you are still working and contributing to the account probably not.
The one bearing I know of to get the money out previously age 59.5 is to annuitize payments (amount based on life span expentancy). You have to stay on that plan at lowest possible 5 years. I believe there may be an exception for first time home buyers to appropriate out $10k.
But, check with a export tax pro and/or financial advisor.
No
If you are retired, then you can give somebody a lift the money out...
The only approach to take money out lacking a penalty up to that time 59 1/2, and you are not retired, is to take a loan. Many plans do not grant loans or charge a fee to process it.
Check beside your adminstrator.
Oh, if you can take the $11,000 out for respectively son , then I hold one thing to articulate: HI DAD!
If you quit your job after you turn age 55 afterwards yes you can take a distribution in need penalty. However, if it's an IRA, an infirm 401k, or you're still employed then the age hinder to avoid the penalty is 59 1/2.
NO...the with the sole purpose way you would get hold of no penalty is if you roll it over in 90 days.
is near any shore fire style to engineer $5,000 hurriedly next to little or no money up front?
Question:
Answer:
Why didn't you just ask every spammer to pitch you on their MLM scam? No, there isn't any passageway to make that category of money fast.
The one and only way to variety money is to earn it. No free lunches, no winning lottery tickets. Get rich express schemes never work. Didn't you monitor "The Honeymooners?" Face reality. If you look at things as they really are you hold a much better chance at prosperity. You can take your 5,000. But there's no easy style. Figure out something that will work. You can do it.
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You could label some of that here.
My mother have be gone for almost 4 years and within is money still contained by her ck. acct, but we cannot capture to it..
Question:
She did not have a will. My sister be poa, but at our mother's passing that become null and void and she have been told that she cant find to our mother's money left contained by her checking account. Does anyone know a agency to close my mother's account? We could really use some support.
Answer:
A power of attorney is revoked by the death of the grantor. The assets of the decedent may be obtain by the representative of the estate. In the absence of a will, the subsequent of kin petitions the probate/family court in the jurisdiciton where on earth the decedent resided, to obtain documents ("packages testamentary") that authorize the individual to collect assets of the decedent to be marshalled surrounded by distributing the estate. This is not a difficult process, and a lawyer can minister to but is not always obligatory. If no representative of the estate appears to claim the money from the bank rationalization within a specified time time of year, the bank will turn the money over to the state surrounded by a process called escheat.
THe sandbank will only buy and sell with an authorized representative of the estate.
Good luck.
did she enjoy a spouse? check with an attorney and see if you hold to go to probate court to close her accounts. check near the legal aid society to see if they could lend a hand you in this business. ask to talk to someone at the mound and see if they could direct you in what course you may enjoy to take. righteous luck...
you will need to hire an attorney who specializes contained by estate's, you need to travel through probate court so that her estate can be settled. If she was widowed later her estate will go per stripes to be divided evenly.
Someone must own power of attorney and then can procure access. The idea that the POA become "null and void"--sounds very suspicious. When my mother died, she disappeared her husband as POA. But he immediately have a stroke and became harmed. I hired a local lawyer, and well got POA. I have a sneaking suspicion that you need to give the name your State's Attorney General's office. Someone within will be able to oblige you find out how to get the POA or how to force the hill to respond. Good luck.
You can just show them a destruction certificate.
That will usually resolve closing the statement as for POA
thats for the court to decide if in that are legal issues near the estate. Not the banks conclusion
talk to the dune where she have her account at and transmit them you would like to close the depiction out...
the bank have no desire to keep the funds bring contained by a death pass to the bank head there will probably be some forms to plague out the bank can direct you beside the appropiate paperwork they should release the funds to the deceased any spouse or surviving child.
If you know the account number, establish a box of checks from one of those places online.
Then, after the checks arrive, write one out , made out to you, for the amount you know is in the report, sign your mothers name and deposit it into your narrative.
Thats what I did ... except I left $5 surrounded by the account for the siblings to row over.
was at hand an administrator of the Estate appointed when your mother passed? if there be, then that personality can close the account and do what the wishes be with the monies..but for you will have to make a purchase of an attorney .
You will have to dance through the probate process. Depending upon the number of assets and liabilities she vanished will determine how difficult that will be. The process can also be very confident or very difficult depending upon the state you live within. Generally, states will have the process for probating a "small estate" which is not deeply burdensome. You may not need an attorney to accomplish this.
Some states enjoy "how to" guides which they publish. Maryland has one on its Maryland Registrar of Wills website.
I'm assuming in that are not many assets since you enjoy waited four years, but if in attendance are other assets, such as a house, then you will own to go through the process eventually anyway.
Though, after four years, your guard may not even be holding the money anymore. It very in good health could have be transferred it to the state's unclaimed property. I'd check out your state's unclaimed property website under your mother and/or father's name. You may find many assets, surrounded by addition to the hill account, here if you have wait this long.
How do I travel in the order of getting my debts remunerated sour when they simply kept count on behind time fees...?
Question:
I am living on my own and I am disabled. I live off of social surety. My bills are piling up and I do not see any end contained by sight. My form is getting worse with these extra worries. How do I shift about getting my bills compensated. I want to pay them, but I attain one check a month and it only go so far. With the late fees I am other behind. Example: I own a credit card. I only owed $90 on it. Now beside the late fees I owe $150 on it. Please minister to!! No bad comments please.
Answer:
If you don't own your own home, and you're contained by the US, you could just stop paying them altogether. There's a statute here that says creditors can't attach social payment, so if you just don't wages, they really have no recourse against you unless your loan is secured.
The other option...call the credit companies. Most will put you on a repayment plan, and agree to dropping the unsettled fees and will usually either cut or eliminate the interest altogether if they construe you're on social security. They'll do this because they know that minus your willingness to pay packet, they will get surely nothing due to the social financial guarantee laws.
Call a bill consolidation service. They might be capable of help. You might also nickname a credit counselor. If these people can't oblige, they might know of someone that can.
Good luck, debt sucks.
Call each credit card company.
Ask them for abet.
Ask them to give you the lowest interest rate they can.
Ask them to furnish you a monthly amount that you can afford.
Ask them to please reconsider the slowly fees. - and do this with your extreme credit card company that you owe, and with the peak interest rate - FIRST!
Ask them to understand that you are asking for a fine accommodatin for someone with diabilities.
Ask them to please follow that you are trying as best you can, and you need and want their assistance.
If they don't listen, ask immediately to speak near a Supervisor, and start all over next to your questions.
Try to catch help beside your local State welfare office, and you may be entitled to food stamps, and other State benefits.
Call the local churches and ask them for any support they have, and some enjoy organizations that could oblige you.
Ask for help from your utility company as they enjoy benefits for those who need give a hand with payments.
GOD bless us one and adjectives, always.
MBA-Boston Univ.
CPA-retired
The first entry you should do is seek out some local professional guidance - in the UK we hold the citizens advice bureau and the national debt helpline who propose free assistance.
In principal, you should get surrounded by contact with your creditors - at the moment you are probably freshly an account number which is processed automatically - build yourself known.
Most lend institutions want you to manage your debt (in the UK, they are grateful to help you), so when making contact, share them you are having problems school assembly the payments, ask for a freeze on interest and charges, ask them for time to pay and finally, suggest a authentic payment time of year - even $5 a month is fine as long as you can afford it and as long as you can show why it is all you can afford.
The first notification should ask to establish a voluntary payment agreement. Assuming they agree, you will afterwards probably be asked to suggest a payment and probably submit a short summary of your income and outgoings.
Deal with it surrounded by writing and tell them that - firstly it give you more time; secondly, it gives you an opportunity to come up with about the question they will ask. Also, if they ever have to run to court to get an command, the written correspondence will prove your good intentions and be paid it difficult to show you as a bad debtor. Remember, if you are not intending to evasion on payment, it is much harder to treat you as such.
The downside is that your credit card will be of no use until it is rewarded off (although if you use it for essential services, they may agree to a set facility).
Hope that helps.
I similar to answer #3 - beware of trusting just any credit counselor - they don't do this stuff for free. The local bank community in my nouns jumped on the bus to help family because of the amount of abuse near this type of service. Good luck
You should call your local Trustee's Office tomorrow.you can't report bankruptcy of any concerned w/out completing a financial education class. The Trustee will provide you a index of approved classes.You need to steal it and then when you want IF Bankruptcy is the way to walk, you are ready to report.
However, if your total debt is less than 5K, I'd earnings them off..since your credit is already destroyed.why don't you basically pay on ONE card (smallest match first) all the money you can, later after that is rewarded offput all your pains into the next card
Those accounts are probably closed for constant in arrears pymts anyway, so if your goal is in recent times to get them rewarded off, who care if you focus on one card at a time - the damage is already done.
Further, you should also ring up each creditor - and politely ask them to waive the belated fees for a finite period of time...(this won't work if you don't formulate any monthly payment to them).
Claim Bankruptcy.