500 Billion Dollars!?
Question:
What would you do with 500 billion dollars?
Answer:
Pay for really well-mannered security those.
Throw a 499 billion dollar party
Go straight to the store on the corner and buy a daily.
wow thats a great question, all right pay past its sell-by date all my debts, bills, and saloon , but the things i always needed, give money to m kinfolk, and enjoy my enthusiasm, in my own island
anything I looked-for to do
Go wild, surely wild.
that seriously of money!
put in a cool playground for the kids contained by my town :))
buy a house
start a bizness - probly a restaurant
and travel, like tons
invest some, put some contained by a emergency savings story, get a kickass house within hollywood hills and newport sand... ummm... pay bad my parents bills, and live off of it til i can achieve my acting career to bear off. AND GET A MONKEY! ... and a puma and a kickass assault course and personal gym... that add up to abouuut i dont know less than 5 billion dollars... so far. so ego give a CRAPLOAD of money to charities... and seize some badass guns.
Put in every sandbank till I sucked them dry because of interest, then I'd start buying small countries and identify them after me!
I wouldn't spend it all within some stinkin' Iraqi desertlike **some** people I know!!
PSThe above those, show that they have no conceptions of what a billion.that's near a Bis compared to a million.
Exhibit 1
A stack of one Million brand new 1$ bills will stand in the region of 3 feet soaring.
A stack of one Billion brand new !$ bills will stand ALL THE WAY up one side of the Empire State Building.AND, final down the other side. BIG DIFFERENCE.
To Allnight.And what would you do with the OTHER 499.5 billion?? :)
I undeniably wouldn't have time to answer your interview. But seriously, I could invade Iraq - the money would pay for roughly one year's expenses. Or I could give everyone within the US about $1,500. Which of those two nouns like the best hypothesis?
pay sour some of the US's national debt, save some for college, and SHOP TILL I DROP. ohh and donate some to cancer research, and a few other upright causes. After that shove my remaining money surrounded by Bill Gate face, HAHAHA!
pay envelope off my house loan ,fix up this place. Dutch auction it and move somewhere warm. draw from my teeth fixed. buy descent clothing, go fund to school to revise tax tenet. then interested my own tax prep company and accounting firm. so that i would touch like i am a use full being. then i would help out my sisters get into what ever business that they looked-for. and pay for my brothers eye surgery that he desires. then i would distribute him to school so that he could function contained by to-days world. then buy my other brother some green houses for his business. buy the feeble house in Oklahoma and tolerate my dad re build his childhood home. Encourage my mom to paint again. go traveling next to my family to see the world.
wld nt resembling to tell ya!!
Buy my own private Harem.
buy a sweet island
Other ways of investing money excluding 401 k?
Question:
does anyone have money invested surrounded by other money market accounts, stocks, etc besides 401k? i want to see my money grow. but psyche like to hold access to it before im 60 years infirm. without individual charged a penalty. or is the 401 k the best resort?
Answer:
Well, I wouldn't deduct from the 401k
I buy existing estate mostly, but also stocks. In the 90's that is how I made most of my money (about 400k a year), stocks, but I lost a bunch surrounded by 2000 and backed bad. Just dipping my feet again.
Stocks, investment funds
There are two pious options that I know of:
1) An annuity that you pay packet into every month, and then start gettin monthly payouts sometime down the road at a start date you specify. You don't hold to pay taxes on the gain that are made from your investment in the annuity.
2) Put your money into a Roth IRA. This mode, you can withdraw money you've deposited into the IRA (but not the gain made from your investments in stocks, bonds, etc.) at any time, and after you can pull out the gain made after you turn 59 1/2.
Generally you should contribute as much as you can to your 401k, because it will grow tax free. You'll bring much more return on your money that way than have to pay taxes every year on a non-retirement tale. You won't have access to the money for a long time, but believe me, when the time comes you'll sure be glad you did it. In count, you can and should contribute the maximum $4000 per year to a ROTH IRA if you can afford it. (You have until April 17th to fashion a contribution for 2006.) You should also have 3-6 months expenses within a regular cash or money souk account.
If you've maxed out your retirement contributions, here's what I recommend:
Money flea market account next to Fidelity or Vanguard, or HSBC Direct online savings for your emergency change
Fidelity Spartan Total Market Index ($10K minimum)
Fidelity Spartan International Index ($10K minimum)
Vanguard stock index funds if you don't meet the above minimums
Vanguard bond fund (taxable or due exempt, depending on your tax bracket)
Fidelity Total Bond
Vanguard REIT index
I stay away from individual stocks because they're too risky, and actively manage funds because of their high expense ratio for returns that don't usually tempo the index funds.
You should absolutely own savings/investments for other goals besides merely retirement.
For short term goal (1-2 years) I have a money open market fund that pays 5.23% (Vanguard Prime Money Market-minimum $3000).
For medium permanent status goals (3-7 years) I invest contained by the the Vanguard Total Market Bond Index. It's cheap, pays more than a money market, but is still pretty out of danger.
For long term goal (7+ years) I invest in the Vanguard Life Strategy Growth Fund. It's a collection of index funds that's currently 90% stocks--it have 10% bonds, 15% international, 30% that can vary from adjectives stocks to all bonds/cash, and 45% Total US Stock Market Index.
You own to list your goal and prioritize them. Retirement's important to me, but masses of my important goal are shorter term--buy a home, pay for a matrimony, pregnancy, etc. So I focus on saving for those equally near retirement.
Can you contribute me lb5?
Question:
I wouldn't ask if I really didn't need it.
I am seriously short of money, I can only just about afford lb6 on food this week after paying stale all my bills and rent.
Ok sure within are people worse past its sell-by date than me I admit, but if you can afford to spare me even a pound (or more) to my paypal side then it really would craft a big difference to me right now.
Answer:
GIVE ME YOUR ADDRESS AND ITS YOURS NO PROBLEM AND I AM SERIOUS SEND IT ME ON MY E-MAIL ADDRESS
Sorry, I've no money to spare - at smallest you've got lb6.
yes i own lb30 pound i dont want you can have it if you want.
Find a dollar store and live past its sell-by date of peanut butter and jelly until your next paycheck. Rough it for a while, and find ways to disappear your bills.
We need your paypal description number, please post it
yes of course i will, hand over me your bank details and will put a fiver within it for you ( honest ) or maybe you could gross a few savings yourself. turn past its sell-by date broadband.5 pound a week. get a livelihood or a second job. anyone else would. i own.
Sorry can`t help
I'm almost surrounded by the red myself, sorry.
Well done for paying off the bills and rent first. Could you somehow earn more money for while? pizza abdication or something then you could guzzle the leftovers subsidise at the shop.
If I give you lb5, what will you do for me? (",)
I can transport you lb3.47 from my PayPal account that's adjectives I have disappeared in it.
P.S. It take up to 5 days for the money to be transferred to your bank justification so you are going to be hungry for a while yet :)
Shut down your computer & get rid of it. Close your ISP a/c. If U have a mobile, put on the market it. U won't be hard up for lb5.
Your not asking your entreating !!
Maybe get yourself a undertaking or a second job if you already hold one.
Are you using your own PC ? If so ,well adjectives out your Internet bill would save you money.
Have some pride and don't importune we don't live in a 3rd world country they is ways to find out of your situation .
YOU'VE GOT A CHEEK! GET OFF YOUR BACKSIDE AND GET A JOB
Can we donate American Dollars? I'll pray for you, it always worked for us when we (my people 5 girls, one at home mom, and an injured dad in constuction) be in stipulation, somehow God always pulled through for us. One time my Mom have to choose between paying tithe, or some of the bills, she chose tithe and that same day a check come in the post that kept us afloat for a while.
i'll give you a bunch of fives if you resembling.
Yeah ok. I'll swap you a fiver for a tenner!
i wud bt why dont you try changing someting within your life. take a job, or a second brief, get stale the internet (cuz thats costing you money aswell), go n live beside yuor parents then you wont enjoy to pay rent, and stop doing doesn`t matter what you are doing that looses your money.
No.
Ok, I can give you a tenner, no problem. Send me an e-mail.
energy sucks I wish you could win the lottery resembling me this week but you can't afford the ticket like me
I can convey you some money, but need an address first. Please distribute me an e-mail?
Close you ISP a/c and save lb15 per month.
Have you hear of the Coca-Cola Sweepstakes, you win however you must rate for the courier from london Scam?
Question:
you can travel to london to pick up your check or you may opt to have it couriered to your home, however, you will be responsible for adjectives costs, have you hear of this scam is it a scam, trying; to follow the rule if it is too good to be true.
Answer:
I'll bet when you transport the money to pay the cost of it getting couriered to you, that will be the ending you hear from them.
They know Coca Cola is a huge brand name and nation will fall for their con hobby if they think it's a lawful company.
Here's some links for you to read all almost some of the various Coca Cola sweepstakes scam going around. I think Coke even have some of them posted on their corporate website, trying to warn associates not to fall for it.
Total scam.
How to FOLLOW through near my set budget??
Question:
I need some counsel please!:) I am quite well brought-up at sitting down and creating a budget, but following it is a different story
I tend to "nickel and dime" myself right out of money!! If that makes any sense...
I merely need some philosophy on how to follow and stick to the budget. The only view I heard years and years ago, be to use only dosh and set the amount for each item (food, gas, etc) within different envelopes. That sounds great, but obviously, who desires to carry around that much brass!
I know that I waste change every month that I could be using to pay rotten my credit card debt or save towards a small time off!
To most people this type of entry come easily...but not for me:( TIA for the design!
Answer:
I would highly recommend getting Dave Ramsey's book "Total Money Makeover".
Write a authentic budget, and use the envelope system if you can not follow the budget by using a Debit card/checks.
This teaches you discipline on how to follow the budget, because once you use the money set aside for food, entertainment, etc, later you can't "cheat" on the budget.
You don't carry the envelopes around, one and only take what you involve (If you are going to the store, take the grocery envelope, etc...).
It is really pretty simple, and does bring you to follow the budget.
I have a system that worked great for me. I set up brass accounts on Microsoft Money. Realize that there is not in truth money in these accounts, they are of late for accounting. I set up an account for respectively budget item. When I deposit monthly pay contained by my checking account, the entire amount of the deposit is spread (on paper) throughout the bread accounts. Then, throughout the month, everytime we use the debit card or write a check, we debit the appropriate account. I don't spend money base on what is in my checking description. I never look at my checking account stability, instead I look at the balance within the appropriate pretend cash story to see if I can spend money in that sketch. This does two things. It helps to enforce your staying on budget and after a few months, you will see where on earth every single dime that you spent went. You will be shocked on how various places you will see where you can dull spending when you start tracking every single dollar spent. This really worked for me. A few years ago, I owed over 100,000K in debt (not including my home). In October of this year, I will be debt free.
get a small notebook with you- write down respectively purchase and keep a delivery no matter how smallfor a month...this will serve show you your problem areas- go through the account and the receipts and look at how much needless or unnecessary stuff you bought that month and give up the amount
then subsequent month when you are going to do the same conduct you will remember not to spend the money because of the notebook
its really all in the region of mindset and resisting spending on your problem areas. you may also want to cancel some of your credit cards and look into debt consolodation if to be precise a problem.
good luck.
I agree beside Robert S. We carry brass but our envelopes remain at home with the bulk of the dosh and if we are saving for a big ticket item we put it contained by a special savings tale at our credit union.
The total money form over is a great book. His other book Financial Peace University Revisited is also good (a lot of impossible to tell apart info, just different format).
How can a pre-teen seize "rich" snatched In a small neighborhood?
Question:
Tried babysitting, house sitting, pet sitting, mowing lawns, need MONEY and dont know how to catch it when you live out in the middle of nowhere. Living out surrounded by the boondocks never felt so isolated. I inevitability money and i cant get a undertaking and i cant sell stuff similar to books or anything and i wouldnt get any customers anyway! Help?
Answer:
You are not going to carry rich,but maybe if you do adjectives those things and just charge a hourly rate.
supply things on eBay.
Try asking your parents to pay you for absolute chores. Other than that, I'd say you are out of luck. At your age, money shouldn't be the biggest concern, you are no where on earth near the lawful working age. You should concentrate on having fun a bit than making money. Good luck, though.
Try to think outside of the box. If you regard as like everyone else you will seize what everyone else has. If you ponder like not a soul else then you will be on your approach to riches.
I like the Ebay piece. As spring arrives, go to Garage/Yard/Tag sale. Buy cool stuff as cheap as possible. I have sold unwanted items like weak magazines that I bought a stack of for subsequent to nothing for $2-5 respectively! You can do this in your spare time and bring back to the post office 1x or a week to ship your sale. Get a cheap digital camera if you dont have one and be in motion to it!
OK sorry to be off topic, but I'm going to enjoy Luke check out cashcrate (seems bogus to me) i'm sure he will post it on his blog http://onlineincomeinfo.blogspot.com/... at some point.
And for the question asked, a pre-teen should be have fun no thinking about money. You are merely a teenager for almost six years, you will have another sixty to verbs about money. Enjoy your free time immediately, because its going to hard to find it subsequently.
oh by the way Luke's blog is planned below
Should i travel skint?
Question:
I'm a single mother of four childern going thur a divorce and was wondering if it would be best for me to database bankrupcy if my husband and I owe 20,000 in debt right presently im not working and cant afford to discharge .What do you suggest.
Answer:
You would possibly be someone who is eligible for debt relief below Chapter 13 or 7 Bankruptcy.
Shop around
good luck & bless ( I be single w/ a bunch of kids too) I made it, now I'm a grandma of 7!
I suggest you gain a job and pay packet your debts.
Do what most women do best: blame your ex-husband for all your problems and turn after him for the money.
CAREFUL! Bankruptcy haunts you for SEVEN years! That channel that every loan you get from very soon until then will be HIGH rates and you'll most feasible be treated like dirt.
I'd move contained by with family/friends earlier I declared bankruptcy. It's worse than you presume it is. They glorify it on t.v. adage it's an easy path out. It will haunt you. $20,000 is not too bleak. Can't you split that debt in the divorce? Work next to the debtors, they can't get blood from a turnip!
I'd homily to my laywer about this, you're not responsible for the entire debt so why ruin your credit for 7 years by taking it adjectives on? Slow down, this is a tough time in life span but take it step by step and don't do anything you'll latter regret.
Good luck.
Here's a hint. Get past its sell-by date your *** and get a chore. $20,000 is not a lot... I'm 18 beside $17,000 in debt (Car loan, credit card, phone bill, gasoline, other expenses) and I haven't even started college (I can take-home pay all my bills though, I other pay extra) The easiest entry is a budget. I only be paid $15,000 a year but can afford to save $350 a month (it's adjectives in a budget) move about to a bank or a financial advisor and make conversation witht hem, ask them to help you near a budget, also Microsoft Money 2007 does a really good errand at balancing your finances, in attendance a hope and a way, you didn't return with $20,000 in debt overnight and you won't bring back out of it that way any. Good luck sweetie, just remember, time is knob.
You should definitely consult a ruin attorney. While I haven't heard your entire financial story, it sounds resembling what I see in my organization every day...
I am the arranger of the bankruptcy department of a decree firm. I can assure you, life after ruin is not as difficult as the above poster declared.
You should do some research, and consult with an attorney.
Bankruptcy is a viable likelihood when you just do not hold the means to clear.
A single mother of four children cannot just jump to work without thinking going on for how to pay for time care, after institution care, supervision for her children... With the cost of daycare, it's no wonder single parents struggle so sturdy. Bankruptcy is a 'safety net' .
Please look into social services in your nouns as well, you may know how to get oblige with light of day care costs, food, housing, etc. They will sustain you get wager on to work, and get final on track.
Ridding yourself of these debts is an important step contained by getting to a better place.
While I shouldn't have to mention it, I do hope you are delivery child support payments. If you aren't, consult an attorney about that as resourcefully.
Good Luck!
Hi,
I used "Credit Solution" to settle my debt.They managed to dwindle my debt up to 58%.It's legitimate.I come accross this company on NBC.Check it out here:
http://www.dpbolvw.net/click-1813149-104...
What's the upmost amount of money you own ever found?
Question:
Answer:
$100.00 don't tell the IRS
on the floor?
5 bucks
I enjoy it away to a bumb.
I found a 100 dollar bill on the floor of a business one time.Not near any currency registers.
$100 in a drugstore! And also a $20 within a cab and a $20 not here in an ATM.
New York city rules for finding free money!
$10 on the street when I be a kid - THAT was a integral lot of money back consequently and for my age.
More recently, a $50 bill surrounded by the dryer - which was probably mine already but since I hadn't notice I had lost it - and probably even forgot that I have it - it was resembling "found money!"
$100 dollar bill at work- I found its owner and he gave me $20 for man honest.
My little dog found lb60 at the side of the road as I walked to the pub a few years ago. It remunerated for my beer all year and she get spoilt near too many packet of crisps and pork scratchings.
Home loan Interest Rates for historic 10 years and also the expected futute 5 years rates?
Question:
Answer:
Which country are you in?
sorry no can answer this
Which to remuneration rotten?
Question:
I have a truck loan for 15k at 6.2% and a HELOC for 19k at 10.5%.
I go and get tax deduction from the HELOC but the payment is lower... Should I reward off the truck even thought the interest rate is lower as I gain a tax conjecture for the heloc?
The truck payment is 300$ and house is 200$. I own an extra 1000$ a month to put on one of them.
I figure I can wages off the truck within 8months then own even more money to pay sour the house, but don't know which will save me within the long run?
Answer:
The answer: It depends.
If your state allows you to deduct interest expense on your state income taxes, it can be a difference. However, assuming they don't, Federal taxes will be the merely advantage. At the untouchable income tax bracket, 35% (If you receive 300K +), your actually good point of of the interest deduction is 35% @ 10.5% = 3.675% excise savings. Take that stale the original interest rate of 10.5%, and your important interest rate is 6.825%.
Remember, this is at the highest excise bracket. At a 25% tax horizontal, you would be paying an effective 7.875% rate on your HELOC after due benefit.
In your case, even though you receive a charge benefit with the HELOC, you truly are better off paying rotten the HELOC first and paying the minimum on the truck payment.
Even beside the tax credit the HELOC is costing you more. Look at refinancing the HELOC. You should know how to get a better rate.
If you hold an extra $1,000 to apply I would go for the truck. You will income the truck off faster (15k vs 19k) and this will be a pious feeling to enjoy your truck free and clear.
I would then apply the $1,000 PLUS the $300 truck reimbursement on top of the $200 equity loan contribution for a total payment of $1,500 toward your equity column.
Once that's done, I would (if possible) send the $1500 (1,000+300+200) to a big interest savings details until you have 6 months worth of living expenses save. ING currently pays 4.5% on their savings accounts. Send me an email and I'll dispatch you link. When you unequivocal an account near $250 using the link, you will draw from $25 from ING deposited into your account.
Once you own a 6 month cushion built up, start investing it into a diversified mutual fund that mimicks the S&P 500. This should get you a clothed return on your money.
Good luck. Probably more info than you wanted.
My suggestion, verbs paying both for 15 month and save the splendid for 15 month. This will give you $15,000. With this money you can bury one of your debts.
Bottom queue, don't live on the edge collect your money for a rainy afternoon.
Remember, pay stale one debt before getting into another.
Hope this help.
Pay the HELOC with the complex interest rate. The truck is a depreciating asset, while your house is not. As you continually pay rotten the HELOC, you build your credit and, in the long run, hold more money to save for retirement by paying smaller quantity in interest over time. Forget nearly paying the truck loan, think of your family's adjectives.
Any info going on for Emerson Oil and Gas (EOGI.PK)?
Question:
Penny stock... but web site cooperation is down and has not traded within a couple days
Answer:
EOGI was priced at .005 on 1/9/07 closing. It is immediately priced at .0185 on 1/11/07. This is less than 2 cents a share. It have declined since the naissance of 2006. If you are already invested in this, nearby is nothing you can do but linger for it to turn around if i does. It has lost 73% over the final year, i would look on msn.com or yahoo finance for some report on whats going on. Or if you have access to a bloomberg terminal you could receive everything you could ever want on the stock.
Got to Yahoo Finance & look up info. under their stock symbol. They enjoy some interesting articles on them.
How repeatedly can you record ruin?
Question:
Once every ?
State of California
Answer:
The prior answer is incorrect:
I agree with the premise that paying bread can keep you out of debt. But you requested an answer and not a address.
Chapter 7 - once every 8 years (with a discharge)
Chapter 13 - once every 4 years (with a discharge)
Chapter 13 - once every 2 years (without a discharge)
There are limitations for abusive or serial filings which I assume does not apply within your case.
see "resources" relationship on my website:
http://www.bankruptcy.lakelaw.com...
The answer is: Ch7 - 10yrs, Ch13 - 7yrs. Those are federal filings, not state.
HOWEVER, If you are prepared to do it a second time, then you hold bigger problems than whether you can file again or not. Please read Dave Ramsey's "Total Money Makeover". Learn how to touch your finances this time. Stop freaking borrowing. If you can't pay for it, you can (& should) live w/o it! IMO, the first time someone bankrupt,it is stupidity; the second time, it is fraud!
Learn to live w/o borrowing. I do. I pay brass for everything (since 2002). The best part is: You can't carry into debt by paying CASH!
What is a lien?
Question:
Real estate wise.
Answer:
A lien is an attachment against your property. In effect it is a thought to the world that you owe a sum of money, a debt to the lienholder. And if one were to acquire your property, it let them know that in decree for them to be able to attain the property from you free and clear, that debt needs to be salaried.
The most common lien is a mortgage but in attendance are many types of liens.
I hope this help
www.myfinancialmentor.com
An amount of a debit that is attached to property. Can be a mortgage, a judgement, a import tax lien.
A lien is a piece of paper that is to say slapped on your house (usually because you owe someone a debt) so when your house sells that lien will be salaried from the money you got from your house.
A lien is something that they put on property or vehicle, for failure to salary your taxes, a mortgage loan or something of that nature. You can retain the property but not market it until the debt is payed off.
A lien is any record right to a property.
A mortgage is a lien, for example. You cannot sell the home and verbs ownership unless the lienholder, in this luggage your mortgage company, has be paid contained by full.
The IRS and state revenue departments can issue liens, that may or may not necessarily be recorded against unadulterated property. Basically, that type of lien tells any dune that they can't lend money to you unless they get rewarded first.
Do you own to belong to a credit league to acquire a loan from one?
Question:
if not does anyone know what credit Union or around Chicago I can apply for a loan from?
Answer:
yes, for a credit association you must belong in direct to get benefits from it. That as expected does not mean you automatically capture a loan though. You must still qualify. If you dont belong to one, get a family circle member or co-worker to sponsor you for sponsorship.
Yes, you have to be a contestant.
Credit unions operate close to banks but the "shareholders" are the member themselves.They can charge less interest on loans and salary higher interest on nest egg because of this.
Most credit unions are restricted within some way-- either for populace who work at a specific company ( like a state human resources credit union) or people who live surrounded by a certain location.
Look up credit union in the phone book and telephone call them to see what ones you are eligible for.
Yes you do but the credit union industry have successfully lobbied the regulatory authorities so that now almost anyone can qualify to team up.
You have to belong but belonging really is no big operate... You simply open a reserves account and deposit some money and VOILA you are a accomplice.
The getting a loan thing is the harder slice. Though working with a credit association will be far better than a bank as within terms of them predisposed to make it work if you are have trouble qualifying for a loan.
Good Luck !
: )
Hi~
Belonging to a credit grouping is as easy as making a small deposit to expand an account. You may even know how to apply for membership online. Then see in the order of getting a loan by applying online as well.
To find a credit association near you, check out this net site: http://www.creditunion.coop/cu_locator/i...
Good luck!
I don't think you 'have' to belong to one, but I regard as it helps.
We're beside a local credit union and the one time we have to get a loan soon, they were wonderful.
For the adjectives, I'd pick a local credit union and set up an automatic deposit into a funds account - even if its lone 10-25 a pay check.
Are most interest rates compound or simple interest?
Question:
For example, ING says it's funds account is 4.50% annual percentage let go but it doesn't state if it's compound or simple interest. Nor does it state if it's monthy, yearly, each day, etc. compunding. Thanks for any help.
Answer:
I don't reflect I've ever seen a simple interest rate used within real existence.
The only concrete difference that you do see is APY vs APR.
When ING offers 4.5% APY they in fact pay in the region of 0.36% each month which compounds to 4.5% a year.
Contrast this to a credit card which may hold a 12% APR (annual % rate). In this case you would pay envelope 12%/12 or 1% each month. This in truth works out to about 12.7% APY for the year.
Whenever a company states the ANNUAL PERCENTAGE YIELD they refer to what you will catch at the end of the year.
They may be paying 0.25% compounded monthly or 1% compounded quarterly or 2% compounded semi-annually etc..
The permanent status effective relinquish simply means what you will net at the end of the year irrespective of how they compound the interest.