Personal Finance Question and Answers

Question roughly diamonds?


Question:
I am looking at a GIA cetified 1.74ct Round H-SI 1 Ideal cut for $11,800. Is that a good unpromising, average or deal?

The broker is the diamond district in NY and claims to be a wholesaler. I would detestation to make a fruitless decision!

Answer:
That sounds pretty pious. Just check with another diamond broker just to spawn sure.

Diamonds continue to increase surrounded by value. Sometimes dealer will allow you to exchange your rock for another one if you choose to upgrade, see if this guy will let you do that.
Most of us don't own that kind of money , but yes thats a unbiased price.
That's a pretty good promise.




How do you obtain a loan if you don't hold a house, and you are on SSI, and your credit isn't the greatness .


Question:
I need a loan that will pay cheque off adjectives my lingering little bills. I'm on SSI for a weakness and I rent I don't have a house. I discharge very low rent. I can payment back the loan by debt by sandbank account, I obligation about 2800.00. I could settle 200 to 275 a month. like I said I don't own a house . I have nice furnture, and a coup¨¦. 2005 it's a need for medical grounds. my income is guarntee. I really need minister to. real relief. This matter is putting stress on my condition. I enjoy no children or dependent to care for basically myself. I get salaried once a month, over a 1,000.00. thank you in finance, God Bless you for the answer.

Answer:
Consolidating your debts doesn't really solve anything. You still owe the money. I would recommend setting a budget up for yourself and sticking to it. Making the budget gives you control of your money.

Once you own that list adjectives of your debts from smallest amount to the largest amount owed. Pay the minimum payments on all but the first. Then focus your energies on paying rotten the smallest one. Any extra bit of money you get should step towards it until it's paid bad. Once it's paid rotten do the same entry with the subsequent one. Paying off the smaller debts first frees up money to work on the larger ones.

If you want some more information on ways to seize out of debt check out Dave Ramsey at www.daveramsey.com.
There's an old axiom that you cannot borrow your way out of debt. If you bills are medical, the ultimate thing you would ever want to do is convert them to some other type of debt by getting a loan.

Medical bills are the easiest to work near. Take your time and send them what you can every single month.
If your vehicle is paid for you could use it as collateral, but see if you can do it lacking using the car, merely because they might require the most costly collision insurance on the car.. You in fact aren't in a discouraging position if you have a guaranteed set income, and you can show that your payments are within your capabilities. A $2800 loan shouldn't require $200+ a month; if it's a 36 month loan it should be closer to $80 or $85 a month. Talk to the bank - I don't suggest you're as bad rotten as you think.
What you can do Melvina is consolidate adjectives your money ,
As you stated your on SSI ,as long as you pay your bills and your credit isn`t to illustrious as in ration campared to your anual gross it shouldn`t be a problem .My suggestion is to try a credit union a bit then a dune .Banks tend to go by the book and Credit Unions they can cut corners .
Good Luck and adjectives the best .Corrine
That would be like buying a Hummer to accumulate on gasoline.
I have placed this within the source box. There is a wealth of information near and a great free debt management software program. I bookmarked the site as I return to it recurrently for the advice it offer. I hope this helps you.
Yea step for it all they can read out is no right go to a credit association and all the best
FYI - You're probably not on Supplemental Security Income (SSI) if you're delivery $1,000/mo. You're most likely on Social Security Disability Insurance (SSDI).

It's enormously difficult to get a loan contained by your situation unless you borrow privately from a friend or family accomplice. If this is not an option, I recommend using the services of a credit counseling agency. The amount you owe is relatively low. They can facilitate consolidate debt and/or reduce interest that have accrued, and comfort you negotiate a reasonable compensation schedule next to your creditors. Many friends and clients have be helped out of debt doing this.

Check these out:

http://www.consumercredit.com/
http://www.nfcc.org/

Good luck!
Alana
Benefits Advocate




What is the best mode for me to invest my reserves?


Question:
I currently have $50K earn 5% in a money souk. I am 32 years old and an officer surrounded by the Marine Corps. I also have in the region of 5K in retirement plan of a prior employer. I would approaching to roll that money into my own retirement plan but am not sure how to do it. My main concern at the moment is that I know I can carry a much better return on my savings but I'm not sure how to do it. Because of my career I don't have access to a financial advisor during usual working hours. I am looking for low to moderate risk investment options beside details on how to get the bubble rolling. Any advice is greatly appreciated.

Answer:
Check out Primerica Financial Services (a Citi company) that doesn't charge any fees for their service and they will comfort you at anytime (day or night or weekends). They can relieve you evaluate your market risk and find suitable investments that meet your investment objective. (Just variety sure the agent is securities licensed). What's most likely going to come up is that they can help you rollover your $5k retirement plan into a Traditional IRA.

OR you can do adjectives the research and work on your own. There are so many mutual funds out nearby and only some will gather round your investment objective. You would entail to read many prospectus and look at its bygone performance, who manage the mutual fund, its annual expenses, and top holdings in the mutual fund.
Sounds resembling you are doing pretty well so far. Here is a great book that we individually follow. It will walk you right into financial nouns without profoundly of hype or complications. Definitely read it before you agree to any financial advisor or insurance agent try to sell you a financial product.
Here's what I would do:

Pay stale any debt, of course... after:

Act quickly and contribute $4000 to a ROTH IRA by April 15, for 2006... and afterwards begin contributing equal sums (dollar cost averaging) respectively month to total another $4000 for 2007. If you're married, do the same for your spouse. That's any $8000 or $16,000. I'd invest that money in a cheap index fund next to Vanguard like VTSMX or for a diversified fund-of-index-funds appropriate for your age, VASGX. Keep it simple...

I'd set aside a year's worth of living expenses contained by a sleep well at dark fund - just check out of it in your 5% money flea market fund or whatever it is earn you the 5% now.

After that depends on your goal.. maybe you want to buy a house soon? If so, keep hold of it in money flea market and keep on contributing within... 5% for virtually risk free investing really isn't so bad while you can procure it.
First, talk to your nouns office roughly rolling your retirement plan to your TSP. Excellent idea.
For the 50k, you should sit down and bargain to a financial adviser. You specifically want "no-load no commission" base retirement plans or mutual funds.
Also, max out your Roth-IRA.
If you can't meet beside a financial adviser during regular working hours, take a sunshine of leave and do it. Set up an appointment, nick all your portfolio information, and sit down and numeral it out.
If you still can't do it, check out www.vanguard.com They have several "do it yourself" option, and they are cheap.
Are you considering purchasing a home near residence? If so you want to keep at least possible part juice (MM is a good prospect for that). Actually, with not dangerous investments (FDIC insured) you won't do much better than 5%. Higher returns introduce risk. Without knowing your risk tolerance it is hard to advocate you. For example there are REITS paying 7% or more surrounded by dividends but the price of the stock can fluctuate I would not advise that for you in need knowing more of your goals and risk tolerance.




I a moment ago recieved a chapter 13 mound rupcy judgement. How long do I obligation to dally till I apply for that loan?


Question:


Answer:
You can probably try today. But only subprime lender will matter with you and the jargon would be expensive.

It would be better to wait a year or two until your credit evaluation os over 650.
Sorry but after a bankrupcy you will need 2 yrs:( Foreclosure is solely a year.




Has anyone ever hear of that website where on earth you post your bills or something you really want to buy and?


Question:
some stranger pays for it

Answer:
No, but when you find out please let me know.
Nope.. I haven't hear of anything like this.
''The illiterate of the 21st century will not be those who cannot read and write, but those who cannot cram, unlearn, and relearn.''

Use QwikBooks On-Line services to take precision of your Biz.
at http://www.quickbooks.com/helpcenter/pro...



For other possible answers to your question, you might
try visit the web site culture base at VeryVIP
double check "know your source"
Yes.

However, in attendance is a catch.

Would you approaching to know more?
Can't say I own heard of that website nonetheless but I know of a place where you have better be alert or the gas man will take your money at the pumps...The mound will skim $800 off a $1000 expense & pocket it...The electric company will gouge you...Oh the best one yet...The duty man will rob you with-out a mask contained by the name of school & education. Its call NORTH CAROLINA COME ON DOWN!




I obligation more money how to variety more money surrounded by short time.?


Question:
i will do anything to get more money... pls some 1 within have more money pls back me...

Answer:
I might know a way. Jennifer
Quick money !




Do you hold a PayPal Account? (If not, the set up takes 10-15 minutes.)

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$50,000 within PayPal?

That's Right! $50,000 dollars in your PayPal ACCOUNT, IT WAS
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You may hold heard of this program (or one approaching it) on 20/20 or even in the Wall Street Journal. $10 that's adjectives it takes. I'll try to maintain it short and sweet.

To get started lately copy this whole page and smooth mixture it to edit it. Simply follow the instructions below and contained by 2 to 3 weeks, you will have as much as $50,000 dollars within your PayPal account or even more.

Most individuals respond to this program because of the low investment ($10 dollars) and the high profit potential. There is no stricture to the income you can generate from this (you can do it over and over). If you follow the instructions, you will reach thousands of inhabitants! Honesty, Faith, and Integrity make this system work.

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******************************...

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Hi...

Show everyone how dear your services are.

Create a classified ad for the daily, stick a sign
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Go online create a website here:

Example:

http://www.squidoo.com/earnaliving...

Get cultured in marketing your service,
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Best Answer - Chosen by Asker
you can build 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 daylight each one is 2$ and you will fashion 60$ a day if you go all of them. And within a week you will make 420$.
and a month 2,520$
a year 30,240$ damn you could by a house. Sell resembling 60 a day
and surrounded by a year 60,480$.




How do I verbs a personal loan receivable to someone else?


Question:


Answer:
Just call me and I will relay you how to transfer to my ridge account. ;-)
If you own a promissary note, encourage as you would a check to the new holder.

If here is no paperwork on the loan, you will have to prepare a contract between yourself and the unusual creditor transferring your rights. Then ask the debtor to make compensation to the new jamboree.




When am I finally going to know how to start good money?


Question:
I'm 24 years old...my assignment pays pretty well (47 k/year) but I still live from paycheck to paycheck. Debts are racked giant and living is expensive. I also like to own fun so I spend some money on entertainment. I live well but it doesn' tseem similar to i'm ever going to save any money.

Answer:
Life lesson- No free lunch-

That simply way you can't have fun and retrieve because the simple economics are such that both cost money.

Make a commitment to your own financial future. You don't want us to help you beside that. You know damn well why you are broke as shtt right very soon.

If you're serious make some positive change in your life- you're an mature with means-- start defining your existence early and it will income you back subsequent.
either you liberate money or you enjoy your lifestyle (high debt, entertainment, etc.)
first acquire a notebook spiral or otherwise
save every receiving for everything you buy each year EVERYTHING
write each of those down on your notebook each day
Soon you will see where your problems tale and where you can trim
Then when you go and get truly committed to fixing this you will limit your playing and maximise your good
good luck I did it so can you
I would perversely start using a budget and get everything surrounded by order. That would be my push for to you.
You need to realize that spending money, doesn't really give a hand you. 47000 a year is alot for your age, pay sour the bills and get the cards out of your wallet, don't spend, it is adjectives sense
The best idea is to reward yourself first. Every paycheck set aside X
number of dollars to deposit in your funds. A good suggestion is
to take home a budget and stick to it. Know where your money go and decide what your desires and needs are. Know the difference!
Without a plan the money of late seems to evaporate. Try 10% to start unless you can set aside more. It won't be long until you are
going to see a big difference surrounded by your financial condition. Even small savings will put in up over time. Good Luck.
I'd like to recommend that you purloin a look at the book The Total Money Makeover by Dave Ramsey. He has a step by step plan for getting out of debt and abiding money.

A lot of what he talks in the region of though is cutting wager on your lifestyle now and focus on getting out of debt in a minute, so that later you can truly savour those things because you can pay for them. The maxim is "Live like not a soul else, so that later... you can live close to no one else."

After my husband and I read this book, it changed the passageway we look at money and debt, and the whole nine yard. I highly recommend it if you are serious just about getting out of debt and saving money.
If your living pays pretty well and you live okay why we are not having this conversation contained by Dubai?
I have placed this within the source box. There is a wealth of information in attendance and a great free debt management software program. I bookmarked the site as I return to it habitually for the advice it offer. I hope this helps you.




TD AMERITRADE: I hold be trying to unfold an commentary via the Suze Orman's Save Yourself plan. Help.?


Question:
I followed all the instructuons, including entering my code #. but when I select " initiate your account" it keeps taking me pay for to heplful tips with instructions. Help me.

Answer:
Hi!
Try a different browser. Let me guess..you own..uhh.."upgraded" to IE7? Many websites have serious issues next to IE7. I got tired of it and reverted to IE6, myself.

I signed up for it...I have no problems. Email them if you continue to hold problems..that is a highly sweet deal indeed they hold there.




what is an Iva?


Question:
im in debt and hold been looking for the restrained at the end of the tunnel and i hold on to seeing iva, what is it.sensible answers please

Answer:
IVA means "Individual Voluntary Agreement". This is usually where on earth you approach one of those debt management companies that pile it on all the time on Sky TV and obtain them to put you on their books.

In return for a set-up fee and a monthly direction fee, they later work out exactly what you can afford to pay respectively month, and then approach your creditors to work out a latest agreement. Usually, the interest stops accruing from this point, and although the time taken to take-home pay off the debt will increase, it is a system that usually works. If it doesn't though consequently the next step is almost other bankruptcy.

I would recommend you form a free appointment at your nearest Citizens Advice Bureaux and discuss the options available.
An IVA is a trial contract between you and your creditors, it is a legally binding arrangement supervised by a Licensed Insolvency Practitioner, the purpose of which is to see you to reach a compromise beside your creditors and avoid the consequences of bankruptcy.

The IVA enable you to cut your debts to an affordable level and clear them over a fixed time. The compromise should offer a larger repayment towards your debt than could otherwise be expected be you to be made bankrupt. You can even transport out a fresh mortgage while in an IVA. What’s more, it is a totally private arrangement – nobody requirements to know about it apart from you, your advisors and your creditors. An IVA ensure that your home is protected and your job is not at risk.

You take home one single manageable monthly payoff, based on your budget, for 3-5 years. After that the remaining debt is wipe clean, going away you completely debt-free. This means that an IVA can write stale up to 75% of your debts.

However, under the expressions of the agreement you undertake to contribute as much as possible in your budget. So in genuineness, an IVA presents an opportunity for you to pay doesn`t matter what as you can in a sufferable way – a approach you can afford.
As above, but get free warning from CAB or a solicitor first and see if they can recommend an Insolvency Practitioner. the ones of tv tend to charge a lot more than regular, and are not always as fitting as the more reputable ones.
I agree with the above surrounded by the first two answers, you have also to be aware that after one year your supervisor have a review of your financial situation and he may tell you can afford to pay cheque more if you have have a pay rise or some other money coming contained by.This goes on every year for the 3 to 5 years you are contained by the IVA.




Do most bank enjoy a notary? Compass Bank?


Question:


Answer:
most do.
Every bank should them and also a signature guarantee.




I be charged Citizens Bank Insufficient funds excise; is near any style to receive a discount?!?


Question:
I was charged insufficient funds tax by My Citizens Bank; Is there any channel to get a compensation?!

Answer:
I would recommend calling the customer service # and if it's your first overdraft then as a courtesy they may compensation the fee. Give them a sob story. It worked for me ONCE
Unless you can prove to the sandbank that they are in error, you will not obtain a refund of the allowance. It is in writing when you start the account, and you are notify when the fees change.
What Brian said is true, I would consider switching bank though as many bank offer what is call over-draft protection, meaning that if you fashion a purchase that will set your bank rationalization at a negative set off, it will decline your card, keeping you from paying any charges. Some banks will still allow for the purchase short penalty but those "save (from the fee's)" are limited to a infallible ammount per year and after they are exceeded, you are slammed with fees if you try to sort another purchase that would be considered an insufficient funds purchase.




How can I engender extra money?


Question:
I have a full time charge, making $13 an hour, however, I need more lolly. I have kids so I can't really attain another full time job out the house wreak I would never see them. Any opinions or solutions on how I can form extra money?

Answer:
Set up an e-bay account and put up for sale a few things. After you get used to it and resembling it you can buy a few items wholesale(business license is around $50 bucks) and sell them on a regular starting place.
OH TRUST ME I AM ASKING THE SAME QUESTION FOR A VERY LONG TIME,DONT KNOW AN ANSWER IF YOU FIND ONE LET ME KNOW
what are u good at ? perchance a second job
conceivably start an ebay store or sell stuff on amazon.com i did it for a while and it be only income.
Invest contained by stocks.
Selling Avon Is an awesome way to take home money! and Its alot of fun! The more you sell the more you brand name... email me if you would like to know more or deduce your interested!

Avon_angel_05@yahoo.com
Work from home, plently of jobs telesales, marketing, homeworkers,
Here are some no money down sites that I earn a second income from. Check em out... they're free and if you're sitting within front of a computer for a few hours a day consequently they should work out for you too. http://www.cashcrate.com/index.php?ref=1... and http://www.sendearnings.com/?r=erinmhile...


Here's one that may pay out big within the end and it lone takes in the order of 2 min to sign up so I figured it be worth a shot. http://www.agloco.com/r/bbbm4707...

Good luck!
Can you dance on a shiny pole?
If you are motivated and fitting at talking you might consider selling something similar to Mary Kay or Avon or Tupperware...
You could consider doing craft fairs if you own a good belief and ability to clear a saleable item, but that takes some investment of materials and craft fair seem to be seasonal.
Years ago, I earn good money by buying small items by the box full at local auctions and later reselling the items at a local Sunday flea market -- usually designed at least one evening a week buying, another evening cleaning and sorting and some fixing and afterwards all time Sunday selling... I usually made about $100 a week profit on that, but you can label more...
Depends on how beautiful you are. Then it depends on your moral mount. You see where I'm going near this, don't you?
Do you have any talent or skills that others would pay for?

Can you gross jewelry or other crafts? Can you bake dog biscuits or muffins you can flog to co-workers or place in a local store?

Can you sew, write articles, program software, house sit, newborn sit or walk dogs?

Do you want to run an affiliate website or write a content weighted down site and get G00GLE to income you?

Actually there are ad nauseam opportunites, but you have to do some research first and consequently work at them.

Think about what you can do, see if near is a market for it and next go and unite it.
Depending on your hours how about babysitting on some weekends or if your kids enjoy friends why not babysit their kids a couple of hours for extra cash.
I know of a great Site next to lots of ideas and choices to earn extra money. Most of the choices are Free to amalgamate. Please click on my name (Aquarius) consequently click on my 360 profile page and look near the top of that page. Go to the Additional Income cubicle of that Site. (I cannot post the link here because it is against the rules).
drop by my website at www.10kpermonth.com/rwright3rd... This is a home based business so this may be the foolproof thing for you. After you call on my site and you feel this may be something for you, plague out the form to request more info and i will get posterior to you immediately.
I own found four legitimate work at home sites so far, and one of them made me $494+ surrounded by October, $700+ in November, and $838.57 within December. They are free to join.


Please click my peak name or avatar for more information and a relationship for proof of payment and lots of specific details.


I made some nice money at first, but once I found out these sites be legitimate, I started tallying referrals and the money get a lot better. For every creature you refer, you get 20% of what they earn. And for every personage that one of your referrals refer you achieve 10% on one site and 5% on the other. In time--this could be a great source of income--making money while other people are surrounded by a sense, working for you.

If you get 5 referral who earn $20 a month, that is an extra $20 contained by your pocket. If you get 100 referral earning $20 a month, specifically an extra $400 you'll earn every month!

And by the way--never join a work at home program that desires you to pay up front. If they be making that much money, they wouldn't need to charge you.

Note: There is a third site whose referral program works a bit differently, but they enjoy a really high payout.
Well, a style to answer this may sound backwards but can be beneficial. Making $13 an hour must be especially tough to live on and I admire your longing to not just obtain another job because of your family unit. Sometimes the answer to this question is how to hide away more of the money you make instead of making more to spend. The problem near this scenario is that people tend to want a huge reserves "fix" and it is hard to realize that good a little here and here can add up. For example: If you can find a path to save merely $8 a day, the bearing to think of specifically that you are actually getting a $1 more an hour because you are stretching your remuneration I don't know where your money go but the best think to do is track your spending for a week and see what you can cut out or do cheaper. If you do find ways to cut costs, later take the money you store and put it in a separate sketch. you will be amazed how much you will have within there surrounded by a month or 2 and when you have a place to put that money it become a game that one and only you can win
Check out this web site www.iolair.acnrep.com I run this from home alongside what I customarily do. It is simple easy to do and can produce a substantial income, it involves no selling.
Take a look if you resembling what you see then carry in touch through the site and I will put you surrounded by touch with others who are doing it contained by the USA.
If you have anything you want to return with rid of, I sell on ebay and be paid good money doing that.So you could try that. Almost everything Sells on Ebay. I also Have a Website That explains some of ebay. Also it tell other ways to make money using the internet. And you can shoot some pool.
http://www.freewebs.com/makemoneyuknow/...
Check it out!
Thanks Mike
There are numerous opportunity on the Internet, and to try to be
helpful, I will share a connect with you that I found from reading a previous similiar examine on RunEye.com that helped me to product extra money in my free time ...From this site (free) I received a few pointers on making money from doing surveys, what to flog on "Auction sites", setting up my own webpage/blog, "reading" emails, data entry etc..
You may also look out for an selection to work online to make extra bread in your spare time. I am a element time worker doing work online at home, so I would like to share a join where you can be paid $600-$1500 in a month working at home. The work obligation to be done is posting/answering a discussion and uploading any photo/image of your interest. For details visit
http://ommc.blogspot.com
I will publish few more straight site in couple of weeks, where on earth you can earn money. You may also write to me at talkofmoney@rediffmail.com (Note: When u are planning for a home based online work, think twice because most of them are scam and ask you to pay initial money. never remuneration money to any such site.)
http://www.treasuretrooper.com/214494...
This site will not ask you for any money. It is completely free to join. You do not requirement a credit card, and you can join as long as you are 13 or elder. It was terribly easy to marry. They did not spam me with emails. This site allows you to earn money for completing surveys, and offer. I started making money the minute I joined. They hold a "daily survey", this is a survey specifically up every day, which they will recompense you 75 cents to complete. You can also do offers for money, some offer are extremely simple and only clutch about a minute to complete. For example a unbelievably easy hold out is the EBay offer: You return with paid $5 if you weave EBay and make a bid, any bid on anything, you don't enjoy to win it, you can place a one dollar bid on a PS3, and you will still receive the $5! They have literally hundreds of offer, most being easier to complete after the EBay offer. You win paid by check monthly. There is so much you can do on this site http://www.treasuretrooper.com/214494...

If you want to ask me any question at all, please contact me on my myspace: http://www.myspace.com/147081034...
There are plenty of places to earn extra money on the internet you only have to know where on earth to look.

I am a single, stay at home mom of 2 beautiful girls. One is disabled so I have to find a way to work from home.

Now I own my own website and I own blogs set up especially to help mom's out who are looking for some extra money from home.

I solely represent companies who have remunerated me and who check out with the BBB.

Best Wishes,
Alicia Bodine
http://www.cashcrate.com/index.php?ref=1...
thats adjectives you need




Recieving Money through Paypal?


Question:
Paypal users, if someone sends me money through Paypal, how long does it take for it to physically bring back into my bank vindication? Is there a fill time?

Answer:
Once you put in the request to renunciation funds from your PayPal account to your wall account, it usually take around 2-5 business days to show up.
If you have a PayPal MasterCard afterwards you can use the money a second after you get it.




Can someone explain the difference between interest rate and APR?


Question:
For example, if the loan amount is 10,000 and the interest rate is 8%, what is the apr and how do you calculate it?

Answer:
APR is the powerful interest rate taking into account fees, loan discounts and loan premiums.
APR includes the fees, which you haven't disclosed.
APR is a legally recognized term the govt created to create it hard for companies to play shennanigans near what they call their interest rates.

With reputable companies, they are close to duplicate thing.




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