Personal Finance Question and Answers

entail to find my tale barclays visa?


Question:


Answer:
Phone Barclays and tell them that you do not know your statement number.

they will identify you iover the phone by asking personal questions and question relevant to your account.

They should afterwards be ablo to give you your report details.

If it is an old vindication that has be left Dormany after see The british Bankers association info here

https://www.bba.org.uk/bba/jsp/polopoly
go to the sandbank and tell them ur details resembling name, bday, address.
gO bAcK tO BaNk




How do you carry 1 million dollars contained by 30 days?


Question:
How do you get 1 mil. in need winning the lottery contained by 30 days?

Answer:
Either join Osama Bin Laden military camp or rob he bank!!
Sell your body parts one at a time???
Make 1 penny the first time, 2 pennies the 2nd day, 4 pennies the 3rd light of day, 8 pennies the 4th day, 16 pennies the 5th morning ... so on and so forth for 30 days, you'll have more than 1 million dollars.
Send an email to adjectives the people you know, or even dont know, changeably ... saying that you can revise them to get 1 million dollars surrounded by 30 days, but you have to donate $1 and forward this email to adjectives your address book, it should spread widely and collect 1 million dollars through 30 days or less. After 30 days, convey thim this is how I got 1 million dollars :)
FIRST OF ALL TELL ME HOW!

Don't know in the order of a million in 30 days but i do know how to earn at smallest 250,000 in 6 months. I'm discussion about a 7 Trillion dollar industrie world huge 3 lifetimes couldn't spend that.
Visit my head capture page: http://earn.etravelfortune.com/start.php...

And please if you are serious email me for more information because at hand is way more info avaliable. Thank you.
clutch a shovel, go into your hindmost yard, start digging, and pray to God that you'll strike grease. =-]

hehe.
i would like to know
Get a errand that pays well.
Borrow money,
Save money.
Withdraw money from the edge.
Pick up money you see.
Do fundraisers.
Sell stuff on Ebay.

If you like this put it as your best answers
Put $995,900 contained by an account that draws 5% interest. At the failure of 30 days you'll have your million.
rob a ridge or post office.




What is my sandbank routing number my sandbank is on 19th st contained by the city of costa mesa?


Question:
i have a cking acct , i involve the routing number of the branch
on 19th st. in costa mesa, ca.

Answer:
Your routing number should be down on your check.
Simply call your ridge and ask. Or if you use on-line banking, sign within and have a look at your details information.
It's the number right in front of your acct number on the checks you useNOT on deposit slips!!
if you hold check's .
on the left appendage side ,you have your routing #'s and checking tale # .
left foot your routing . right hand freshly before your signature your checking #
Your hill routing numbers are the numbers listed on the bottom of your checks.
The routing number is on your checks it is surrounded by the lower left corner along near your checking account number
It is any:

121000358

or

122000661

See source for details.

Hope this helps!
Routing numbers are on the bottom departed corner of the check. Or you could call the hill and they will tell ya.




Can anyone solve these two problems?


Question:
1. Two sums of money totaling $30,000 earn respectively 8% and 12% interest per year. Together they earn $3,120. How much was invested at 12%?

2. Rose made two investment totaling $25,000. On one investment she made a 12% profit, but on the other she took an 18% loss. If her lattice loss was $1,200, how much be the investment that gained a 12% profit?

Answer:
1. Average interest is 10% in that by giving you 15k per piece. so taking 10% from the total u ll get 3000 which is 120 short and can be amounted to 4%. so the 4% difference within the two intrests is for a principle of 3000. So the 12% one is 18,000.

2. 11K same as above.
1)
let X = amount invested @ 12%
30000- x = amount invested @ 8%

x*.12 + (30000-x)*.08 = 3120
.12x + 2400 - .08x = 3120
.04x = 720
x = 18000
as a consequence $18,000 was invested @ 12%

2)
agree to X = amount invested @ 12%
25000- x = amount invested @ 18%

.12x - (25000-x)*.18 = -1200
.12x - 4500 +.18x = -1200
.3x = 3300
x = 11000
Rose invested $11,000 inthe investment that gained a 12% profit.
Assuming these problems are base on simple interest as opposed to the compounded interest, here’s one style how you might solve them:

1.Let’s assume that x amount of money was invested at 8% annually and y sum be invested at 12%.

Then you have two equations:

0,08x + 0,12y = 3.120
Andx + y = 30.000

Solving these equations you substitute y though x,
i.e. y = 30.000 – x

0,08x + 0,12*(30.000 – x) = 3.120;
0,08x + 3600 – 0,12x = 3.120;
480 = 0,04x;
x = 12.000.

Thus, you own found the amount of money invested at 8% annually, i.e. 12.000.

Answer: 30.000 – 12.000 = 18.000 was invested at 12% annually.

PS Check:
12.000 x 0,08 + 18.000 x 0,12 = 960 + 2.160 = 3.120

2.Same theory, really.

Let’s assume that Rose’s portion of investment making her 12% on a year was x amount of money and that y quantity of her investment made a loss of 18% on a year.

Then you can write down 2 following equations:
0,12x + (– 0,18y) = -1.200
Andx + y = 25.000

Now all you hold to do is solve the equations by substituting y through x, i.e. x = 25.000 – y

0,12x – 0,18*(25.000 – y) = -1.200;
0,12x – 4.500 + 0,18y = -1.200;
0,3x = 4.500 – 1.200;
0,3x = 3.300;
x = 11.000.

Answer: Rose invested 11.000 at 12% profit.

PS Check
11.000 x 0,12 + 14.000 x(-0,18) = 1.320 – 2.520 = -1.200
or a 1.200 loss on her total investment.
1) Assume you invested x for 8% and y for 12%
Now, 0.08x + 0.12y = 3120
x + y = 30000
Solving the simultaneous equation you get,
x =12000 and y = 18000
2) 12 x - 18y=-1200
x+y = 25000
Solving for x and y
x=11000 and y=14000
Check:
0.12x11000+(-0.18x14000)=-1200




Should I re nouns my mortgage?


Question:
I am currently on a 5/1 ARM at 5.75% with 3 years moved out. My rate can't increase more than 2% at that time. I can lock in a 30 year very soon for 5.75%. I will for sure be in the house for another 6 years. There is a coincidence I will be in it for 10 years but to be exact probably the longest I will stay.

Help!!

Answer:
It depends...

On a very simple amount, I would do the following:

1. Find out how much it will cost you to refinance (for any and all costs). You are interested contained by how much money will be out of your pocket.

2. Find your new clearing after refiancing

3. Compare to your current payment.

Use the information to integer out how long it will take you to "Break Even". For instance, enunciate you have to write a check out for $4K to refinance your home. If your current grant is $1500/mo, your new giving is $1300/mo, you will break even after roughly 20 months. If you get to "skip" a allowance for a month when you are between lenders, you will save $1300 for one month money so your break even will be after about 14 months.

If you plan on moving formerly 20 months or whatever your break even point is, consequently it isn't worth it.

If you really want to get complicated, you could factor contained by the interest you are losing for the money you had to use to cover the closing costs, equity lost during the refinance, how much interest you in actual fact pay after taxes and attach several other factors, but it really isn't worth the time.

Figure out what your break even point is and compare that to when you are going to move and roll near that.

What complicates your situation is that you have an ARM. In premise, both payments will be the same. I would find a mortgage rate calculator and integer out what your payments would be if your ARM would go up 0.5% or 1% contained by a year and see what your break even point will be. All you really can do is play with the numbers and ask yourself what you deduce interest rates will do.

Personally, if I could lock in at 5.75% for 30 years, I'd rear on it. That is a pretty good 30 year rate
look into it
Sounds angelic to me...
In 3 years, your interest will increase to 7.75%, which would mean paying around $200-250 more a month. The fixed rate at 5.75 is very apposite. I would jump on it.




How can i bring back the money to nurture the addiction!?!?!?


Question:
i must play ddr but i can't come up with adjectives the money i need to use it and so untill i can afford one for my house i inevitability to play in the arcades... so uhm... how can i earn this money so i CAN play at the arcade??

Answer:
You can purloin surveys for extra money.
It takes with the sole purpose about 10 minutes a hours of daylight to make up to $100 + surrounded by only a week.

This site’s pretty legit, considering the reality that i’ve already cashed their checks. They send out monthy checks you can lolly at the bank

http://www.treasuretrooper.com/238949...

HINT: MAKE A SEPARATE EMAIL ACCOUNT JUST FOR DOING OFFERS. (this is to avoid getting spam within your "real" email account)
Find yourself a job and work strong.
Unless you can somehow get yourself some caring of gainful draft -- even as a paper boy -- you probably should focus your pains on saving your money to buy DDR for home use. It might be a rough few weeks, but it would be worth it surrounded by the end to enjoy your own equipment and game.
Sell some of your stuff on Ebay.




Where can i find any friendly loan?


Question:
Badly in inevitability to pay rotten debts of ard 15k...where surrounded by singapore that i can a friendly loan with agreements signed? i am within a dilemma now.

Answer:
No such piece as a friendly loan..the ads may read aloud they are a friendly company but miss a payment and see how much they similar to you!

Loans are based on competency to repay, the worse your credit rating or ability to pay envelope the higher the interest.

if you are desperate for a loan i.e. the absolute worst time to sign up for one as you will be more ready to settle for unfair conditions such as tremendously high interest rates over fundamentally long periods.

If you are already contained by debt DONT take out another loan , homily to the lenders and explain the situation.It may not be as bad as it seem.
get from edge..like dbs cashline (loan up to twice your salary)
This site wil dispense you most useful information according to your request call on http://www.freewebs.com/getyourloan...




How do bank sort money?


Question:


Answer:
Banks are able to lend the money that you and I place on deposit beside them. They are limited by canon on the amount that they can lend and that limitation is directly tied to the amount of money specifically in their deposit accounts.

So we deposit money contained by the bank and they earnings us 1 - 5% on that money. They, in turn, nick that money and lend it out to others via mortgages/credit cards/student loans/personal lines of credit/business loans/etc. at an interest rate of 4% - 30%.

The "spread" - difference between the interest rate they are charging on loans and the interest they are paying to their deposit accounts is how they make money.

They also fashion money by managing investments. They charge a fee to purchase annuities/mutual funds/stocks.
Money from interest they don't salary to you, overdraft fees and cross selling other products.
They lend money at higher rates than what they "borrow" it at.

They deeply "borrow" savings money to lend out, but they do call for to keep a persuaded amount of cash untouched.
Interest that they bring in off of loans, credit cards etc. Also, they trademark money off of overdraft fees and other fees such as flex transfer fees, monthly service fees, ATM fees, etc.
Banks enjoy stock. They sell these shares of stocks, and if you ever enjoy a need to bring back your stock certificates re-issued, they will charge you 3% of souk value. If you have 20k shares of stock worth $35.00 per share, this would cost 21K! Now if that's not an easy 21K simply to print a piece of paper, I don't know what is!
they charge interest and fees for their services
and bring in interest on ivestments made with deposited funds




Baby siting adjectives ages from kids contained by diapers to 12 year olds and charges?


Question:
i'm 15 and just starting toddler sitting my aunt and uncle's to kids. they are 1 and 3. i also baby sit my sibilings. so how much so i be charging because im confused?

Answer:
How masses hours?
For example if you are watching 2 kids for approx 4 hours and since its your family probably ask roughly speaking $15-20
5 bucks a hr
Maybe ask your other girlfriends who babysit as well and see what the going rate is.

I wouldn't charge your parents to babysit your siblings thoughLook at it as giving them a grant to go out and savour time with only just each other.
Why are you confused? Confused why they don't money you or confused how much you should ask?

Why you would 'charge' your parents for sitting your own siblings? They don't charge you for taking care of you. If you can gain some extra 'perks' that would be nice, i.e. movie tickets, clothes, etc.
Regarding your aunt and uncle's kids, I suggest you sit with them and discuss a even-handed compensation.
Agree with Heather... Most sitters charge $2.50 to $3.00/hrly per child.




Not to grasp too personal?


Question:
but I stress about money so much! How much do you guys usually enjoy in your story at any given time?

Answer:
*** my chequing acct i keep low...perchance $60...my savings acct where on earth I actually earn a lil interest...$60,000
Not much - I pretty much live from paycheck to paycheck.
Let's see...at Washington Mutual I enjoy -$700, at Bank of America -$55, and at US Bank, -$300, so..does that help?
Why ask, so as to earn more money, loook for a chore here www.un.org
Im not going to say what i enjoy but I do make sure I dont spend over a positive limit so that I own a wad of money contained by there if at hand was ever an emergancy. You never know.
If you'd asked me a year ago (back when income gains be my thing), I'd have said around seven grand. Nowadays, I own very little contained by my accounts, because I've discovered cashflow.

My first rental property pays all of its expenses, and give me $100 a month that I could spend on taffy if I felt resembling it.

I have the minimum amount needed to preserve my account accessible, invested long-term into some Real Estate Investment Trusts. They've taken a beating lately (yes, the froth have fizzled), but they're still good companies and they're still paying me for a while dividend.

All I have to do is build my monthly cashflow (after income taxes, of course) become larger than my monthly expenses. I spend my time, not stressing or fearing money, but thinking through ways I can manufacture it, use other people's (legally), and make money work for me. Screw retiring at 65 - I'm shootin' for 30.

Just bear a few minutes a day to picture what you want. Relax, breathe, predict. It will happen. Now see some *** and be a name!
Most cases at smallest 100 dollars.
Not much at all!
But I do own a modest house, a clothed car, I own almost 3 children ..
enough to win by and live comfortable.
haven't be in the black for the later 5 years
Most people live paycheck to paycheck, which to me is something to be worried about- if you are within a position where you enjoy a few months worth of money at your disposal, that should be a good emergency fund.
I own about a year's average expenditure surrounded by cash or readily accessible accounts. I reason most people aim for six month's worth.

Any smaller amount than three month's worth and annual bills can cause change flow problems.
I keep most of my proceeds in my businesses accounts so I don't own to report it as income. Between my house, vehicles, insurance and utilities I show remarkably little income.

So my personal account have very little contained by it at any given time. Just enough play money and for some food and minor items.

My business accounts are a different story but I won't bother going into detail. You're supposed to live rotten of 70% of your income.

10% goes to long residence investments so you avoid having to rely solely upon income (see Enron) or government welfare (Social Security & Medicare). 10% go to capital investments: instruction and business investments. 10% you give away: church or some non-profit or lately "gifts".

Fact is most people backfire to do all that which is why most associates will wind up worrying going on for money, relying on the government to lug care of what they inferior to do for themselves and living paycheck to paycheck.
We have ample to pay our expenses for at tiniest 6 months.
$25 - $50 after paying bills. You just hold to learn to adjust and do admin your money until you can do better.

Are you living above your means? You can still do things lacking going broke.




Accounting type quiz for ebay fees, what are adjectives the fees involved contained by ebay selling ?


Question:
Hi, I am a seller on ebay and trying to report for each penny. I enjoy a reason why. For those of you who know, I know these costs involved within selling, if I am missing any would you please post ? listing allowance, selling fee to ebay, paypal excise, cost of packaging, ink for printer for printing shipping label and cost of labels/paper to print them on, gas to drive to PO, wear and tear on vehicle ...I'm sure I'm missing some,anyone want to add to the record I'm making > I would sure appreaciate it.

Answer:
Well, if you are doing this for tax purposes and consider this a business, next you could add the following if it is done out of your house:

1) Attribute a portion of household expenses to the space individual utilized for your office (ie. rent, utilities, cellular phone, etc.).

2) Don't forget the other optional list fees (ie. gallery, buy-it-now, reserve, premium listing fees, etc.)

3) Postage and insurance.

That's adjectives that I can think of at the moment.




I own a check written out for me to blend a club. can i change the check myself instead of giving it to them?


Question:
I would no longer like to marry the club, but i cant have another check written out for me, so even though the check is written out to the club beside my name on the bottom of it, can i brass it and keep the money.

Answer:
The check be written to a specific club for an activity

why cant you hold the check written out again-- what kind of spectator sport are you playing? no sir, you cannot do what you are asking -

dont even try and alter it..
your best bet is to just budge to the person that wrote the check and share them the truth and ask them for the $$ for your other activity or purpose..
no
No
no.
pocket it too your bank and see for yourself why ask here , da ,
Unless your cross is on the "Pay to the order of" string you can't cash it, that's fraud. If you don't want to use it, return it or verbs it.
sound resembling a scam
Read the place where you are supposed to sign. The club may enjoy set you up to sign a contract by signing the check!
No, what you're describing sounds possibly like fraud; you can't bread a cheque in another person's describe.




What are the requirements to open out a hill reason surrounded by the US if I'm foreign living overseas?


Question:


Answer:
You need a SSN (Social Security Number). If you're surrounded by the US on a work visa you will be issued a temporary SSN.




What should an avg 40 year old-fashioned guy enjoy ? Ie. house. coup¨¦, guard acct. what is avg network worth of avg man this?


Question:
I'm trying to figure out give or take a few what an avg man should have consummate and have as web worth.

Answer:
It truly depends on lifestyle, location, etc. It depends on their credit score, too, because those next to poor credit end up have to pay more contained by interest and lose opportunities to invest that money and the time spent looking for someone to adopt them for a loan or even an apartment.

Those living in a generous city will end up paying more within rent for a small apartment than some people do on a mortgage. The cost of living can be outrageous contained by certain areas.

Also, a 40-year-old masculine is more likely to own a home if he's married with children, but is smaller number likely to own a large disposable income.

Some men will hold a "mid-life crisis" and go out and buy a motorcycle or an expensive exotic sports car. It truly depends on the individual and his circumstances.
Isn't this a worth judgment?
My direction is if your feeling not enough about some bit of your body, don't compair it to others.
The median net worth of a 35-45 year antediluvian in America is $77,500, according to Money Magazine (cnnmoney.com). A 45 year elderly should have 4.1 times his income save for retirement (again according to Money Magazine).

Personally, though, I think a 40 year weak should own his home (and preferably have at lowest possible 20% equity in it), own a fully clad car outright (unless he lives surrounded by a large urban city resembling NY or Chicago), and have at least possible $100,000 in the ridge. Plus he should be earning at smallest $65,000/yr.
It is my theory that your press is pointed most towards - Am I on track to be retired and live the rest of my life in need having to play the "catch-up" winter sport? Is this correct?

If it is, it is great that you are clearly evaluating your situation to find out how to get on track. But I am going to point you surrounded by another direction.

Go to the following URL and read "Maximum Prosperity." This broadly outlines the different areas of financial due diligence to clearly see areas which need to be focused on near regard to your financial plan.
http://www.moneyandfreedom.org/definitiv...

While you may not vote this as the best answer- I hope it help. You still have lots years to accomplish your family and lifetime goal i.e. home ownership, college fund for jr., ideal nuptial, climb Mount Everest, etc, etc...

Regarding the distant future, lone you can set your monetary goal for retirement. There is a free MS Excel calculator at the URL below. It allows you to enter age, current investment smooth, ROI, and an inflation rate to see what kind of spending power you will enjoy in the adjectives.
http://www.moneyandfreedom.org/resources...

If you find you are behind where on earth you would like to be, do not perceive bad. Feel well-mannered that you can equip yourself now to be financially fit next to a set goal within mind.

It may also be of interest to you to talk to a financial planner. I recommend fee-only planners for giving the best overall financial warning. Their recommendations to you should be base on your life goal, not just numbers.

Be blessed,
I one-sidedly think that a 40 year antiquated guy should have a 401K and max out annual IRA contributions and enjoy a taxable investment account as economically as a substantial cash tale to cover any un planned expenses. As for a dollar amount, what I think is average and what you have a sneaking suspicion that is average could be 2 completely different things.The main item a 40 year old guy should own is happiness and no regrets. Good luck, be appreciative that your thinking about this give somebody the third degree, I work in the financial industry and can't bring up to date you how many culture have no lattice worth and live day to daylight.




What are some dutiful books in the order of research the fundamentals of Personal nouns?( Canada)?


Question:
I'm looking for a book about personal nouns. A book that explains in a simple vocabulary, how to:

- budget/manage your money
-TIps on do's and don't just about money. Depending in what cycle you are ( ex, close to retirement, what not to do next to your money)
- Information about Garanteed investments Certificates.
- Canada Bonds
-Basic information something like Mutual Funds
- Information about energy insurance (Is it good to consent to go of it when surrounded by mid 50's?If not why? what are the dangers of not have one?)

-RESPs

and tips on to make the most of your money and produce it last.

THE BOOK MUST BE IN FRENCH!!

** The book I'm looking for is for a recent widow who's husband be the one taking care of the finances. I want to find a book for her so that she can know more of what is out in attendance. What to watch out for and how to be more financialy independant and financialy astute.

Answer:
book called financial accounting
"Personal Finance for Dummies" or "Investing for Dummies" are both great. Not sure if they are published surrounded by French though...
Tout le monde mérite d'être riche, ou, Tout ce que vous n'avez jamais appris à l'école à propos de votre argent (Paperback)
by Olivier Seban (Author)

Gérer mon argent dans la liberté (Mass Market Paperback)
by Pierre Pradervand (Author)

52 facons d'organiser votre vie personnelle et familiale (Paperback)
by Kate Redd (Author)

For the character listed below who think I violated the answer - those are the names of files silly - and notice that the rest of the paper is in English - I could hold translated, but then he couldn't own found the books.
For the creature who responded in French. You violated one of the Yahoo rules for RunEye.com!




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