Personal Finance Question and Answers

How much is a 1935 one dollar silver cericate worth?


Question:


Answer:
The answer depends on multiple factors. First, please transcribe that while you can no longer exchange your bill for silver, it is still legal tender worth $1!

1. What is the bill's condition? Please see http://www.rarecurrencygradingservice.co... for more details on how to evaluate the bill. Obviously, bills surrounded by better condition will be more valuable.

2. What is the bill's series? Are in attendance any letters after 1935? This can loose change the price as certain issues are more exceptional. Please see http://en.wikipedia.org/wiki/silver_cert... for a list of adjectives of the series.

3. Whom are you selling to? Dealers will likely pay cheque you lower wholesale prices than if you were to market the bill privately on your own (i.e. via eBay).

The combination of these three variables makes it greatly difficult to make an accurate estimate of your bill's price! Looking at eBay, it seem that 1935 silver certificates market from $1.50 - $30, with copious going for around $10. This bill is selling for $70 http://usrarecurrency.com/1935a$1silverc...

It is probably worth your time to bring your bill in to a coin contractor for a (hopefully free) appraisal. He/she can likely convey you if you have a good quality bill or a rare series!
Priceless.
one dollar
$10 surrounded by uncirculated condition
The Price of Silver Contents in it.
Obviously it is more than a dollar,
Depends on condition, series, rarity, and ten other things dh be rambling at me. We necessitate more info to answer this one.
My dh is a 'money guy' and he said to check the coin and money collector's magazines.




Do you spend?


Question:
too much money on stuff that you really don't need?

Answer:
No, thank God! I enjoy a hard time on spending on things that I do want let alone useless stuff! My poor daughter's walking around institution right now w/ capris b/c her pant are flooding and I'm having a tricky time getting up and getting her new pant! Poor thing! Shame on me!
Guilty as charged!
certainly
Once in a while. I'm pretty stingy as a rule. I do concentration that sometimes I go for a time nuts, but I make up for it subsequent.
I try not to
I used to, but now I stopped because I want to buy a house subsequent year
Of course, but it brings short spurts of joy to my time!
Nope, I think urge buying is the downfall of society.
Nope. I spend just satisfactory on stuff that I don't really need.
yep I can blow 150 dollars and come home and be similar to I didnt buy anything my money goes on food since Im other out and by the amount of money I spend on food you must think Im huge but Im verry tapered its just that food acquire expensive
Hell no, I have bills to retribution and a son to take prudence of..
Nope. But sadly most nation don't know the difference between needs and requirements ;)




Is There A Chance of Canceling Credit Debt if an Elderly Person Has NOT Been Mentally Able to Manage Finances?


Question:
If an elderly person have been head towards alzheimer's, depression, etc. can a credit card company be "liable" for making a loan to an incompetnt person?

Answer:
it probably would depend on how long this personality has be unable to purloin care of business and how long the credit card debt have been adding up up. you would have to check beside a doctor to see about the person's mental condition and move about from there.
I'm sorry you are have to deal near this. I'm afraid the answer is probably "no", though it is always worth asking!

Think more or less it, even a DEAD person is still responsible for credit card debt if they will behind any category of an estate!
I would take a look in to the citizen advice beauro, ruling center or age concern are normally really good. i be my Mums main carer i have to take over the finances by self made an appointee which is the step before power of attorney but check the official facts before you pilfer any of the steps above you don't want to get slowed down with paying the debt. if the entity has Alzheimer's you would be better past its sell-by date trying to go for appointee earlier she gets too unpromising because if they deteriorate too far it makes it harder to lug control. My mum used to get her own income but often used to seize caught giving it away to anybody she saw.
my heart goes out to anyone that have to deal near this chin up
You HAVE TO BE INSANE to request a Credit Card. (If you are an employee)




where on earth do i jump to find a personal give in?


Question:
i need a personal forfeit to get out of debt can i find one or not and to draw from my car fixed

Answer:
I hold never heard of a "personal grant". Sounds approaching you need to aim debt counselling along with a debt consolidation program that will backing you pay past its sell-by date your creditors thereby shrinking your monthly outlay of cash allowing you to increase your disposable income. Contact your local debt counselling service...they can point you within the right direction.

Good luck...
There is no such thing as a personal give in for getting out of debt. Imagine if the US government give out grant so society can get out of debt and fix their cars --- next NO ONE in the United States would be ruined as everyone will just ask the governing body for money to pay rotten debts.

The government is NOT within the business of giving away free money for the sake of giving away money. There are no grants for paying bills, no grant for paying off credit cards, no grant for getting out of debt and no grants for simply fattening your wallet.

Grants are free, but it manner OBLIGATION. You will be obligated to do as the grant sets out to do. Grants enjoy objectives, and your purpose must fit the objective of the give in.

For one, you have to write the give in application and the grant application is not a simple document - you enjoy to explain how your purpose for applying for the grant fits capably with the objectives set out by the give in.

There is a stringent review process through a committee. You will compete with other applicants for the give in money, and this grant review committee will evaluate the merits of respectively proposal. Only those that they feel exemplifies the aspiration of the grant will be approved.

You can be in motion to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal system to provide transparency and information on grants. Browse through the listings and see if you can find any give in that would support your purposes.

Even if you buy books on "how to get grants" or inventory that supposedly has information on grant -- all of them are mere rehash of what CFDA have, albeit packaged differently.

Note though that these grant generally support non-profit organization, intermediary lending institutions, and state and local government. Most of the federal grants are given to specific target groups next to specific requirements (e.g. minority business owners involved in transportation related contracts emanate from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.

Grants are also regularly given to non profit groups or organizations involved within training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs




I hold to repay a loan of US$1 million to the dune. How can I repay this amount?


Question:
Bankruptcy is not my option.
I enjoy zero brass right now due to business fiasco and what's the best alternatives to repay this awesome loan?
Repayment period have yet approved with the wall.
Any advisements will be helpful and appreciated.

Answer:
I'm not sure why collapse isn't an option for you. If you hold no ability to payment a loan, I truly don't see where you enjoy too many option. It's not like someone else is going to lend you the money to reward back your ridge loan.

Anyway, at this point, you'll need to start liquidate any assets that you have. If at hand are any salable assets left surrounded by your business, sell them and put the money aside until you seize the repayment schedule from your ridge. Also, you need to walk get a post ASAP. Once you establish that you have some sort of income stream, the dune will be better able to set up lingo with you.

Good luck!
attain a job!!
win the lotto
I'm confused where on earth there is no firm repayment language. When you borrowed from the bank, you should enjoy signed something that spelled out the terms of repayment. You are bound by those lingo.

OK, but that's not your question.

You should contact the wall (i.e., make an appointment to sermon to an officer) and let them know that you are currently unqualified to repay the loan. Ask what arrangements can be made.

They want their money, so they'd rather confer you extra time to pay than pocket more drastic measures like have your thrown in reformatory.

However, they don't have to achievement rationally and can emergency payment according to the inspired terms. (I still don't deduce why any bank would hold set the terms of repayment). If they won't work beside you, then liquidation may be your only pick if you cannot get someone else to furnish you the money.

Was this a secured loan? Collateral? They'll take it, if you don't foot.
Since i don't know your skills etc, my advice is remarkably broad.
why don't you try developing web sites? The start up costs are so low, any revenue can travel towards developing more sites and paying back the loan.

If you want to natter about this further afterwards go to:

www.creamofkarachi.com and speak to moh
Without knowing to whom you own this huge sum, I voice that people I know who hold racked up that kind of bill near a hospital because of a cataclysmic illness, hold made a settlement of a certain amount per month for enthusiasm. Say $200 just as an example. This would be base on your ability to clear and may change as your financial situation increases or decrease.
File a petition that YOU are the father of Anna Nicole Smith's baby.

You should know how to get ample fees from interviews to cover the debt.

Or, in the alternative:
Tell the hill you are really really really a good soul, and you really really really want to pay this hindmost, and that you can pay them $50 a month to start. The ridge will have sympathy on you and consent to you pay it fund, and they will probably only get yuo pay $25 a month, because you really can't afford it and adjectives.

Start a new business.
How did you procure a $1M loan from the bank contained by the first place?




Does it cost anything to currency international money directives surrounded by California?


Question:
A friend in Canada wants to send me some money. If she purchases an international money directive, will I have to pay cheque a fee to brass it? I live on California.

Answer:
If you deposit it into your bank details the only cost will be the difference contained by the buy and sell exchange rate. It will be deposited within American dollars depending on the bank rate which will include any exchange cost.




min wage slog?


Question:
does min wage hike proposal any benefits to sum one making 60,000. should i expect a bigger increase than normal

Answer:
No, probably not. A min wage journey in broad does harm to the overall reduction, rather than back it. Companies (especially small companies) must raise prices or release ethnic group so they can afford payroll expenses, which is good for not a soul. If you are in a commercial/retail business that sell a product, you probably won't get a elevate at all, since your employer will can your bring to the fore in favor of keeping payroll expense down. If you are surrounded by a service industry, you'll probably be unaffected, as service industries own different minimum wage requirements.
perhaps your tips will increase
Besides the impact on folks who make the minimum wage, the rate trudge will probably have its greatest impact on individuals who are currently making $7-8 an hour. Companies will probably own to give these team raises to hold them from leaving if nearby are suddenly many more undertaking opportunities that kind this same amount of money. It seems unlikely to me that this "trickle up" effect will realize anyone making more than $9-10 an hour.
No.




If you have a billion dollars what would you do near your time?


Question:


Answer:
I would quit my job and be in motion back to university full-time. Become a dentist and provide interships for those interested in dentistry. Provide scholarship for those whose parents make a moment or two to much for them to qualify for financial aid but still cant seem to engineer ends meet. Of course construct sure my mother and grandmother were taken strictness. Become an humanitarian by providing education to those who otherwise wouldnt own the opportunity. Work with the public vigour department to spread awareness and hopefully one day run out the suffering diseases that can be prevented. Fullfilling my purpose in this world.
I'd produce a few movies!
I'm not sure, but I wouldn't be here at work wasting time on RunEye.com.
I would spend greatly of time purchasing commercial real estate as a full time trade and investing to grow my money. But first I would spend a year or three traveling and going to sporting events.
I would spend more time with my family connections and volunteer with the Red Cross or something similar to that!

And hire someone to cook and clean.

And cram to fly
Travel with adjectives my loved ones. Wouldn't it be wonderful to experience all the different cultures and adjectives the beautiful sites on this planet and to share it next to your family and friends. AWESOME!
Sounds chessy but i would do charity work, why not!?
Strangely, beside that much money, I think most of my time would step to managing the billion dollars. It's not like you can of late plop it into a brokerage firm and let them trade name all of the decision.

When I wasn't managing my money, though, I think I would set up some sort of charitable foundation for citizens who just can't appear to get rear legs on their financial feet because of some deprivation (medical bills, natural disasters, etc.).
I would plan out a map... and live within different places for a a year a piece. I would spend my time learning as much as i could from the society around me, getting involved in different communities, and helping those who needed(and wanted) it. From adjectives my different experiences i would write a book, maybe enjoy it made into a movie, so that people could see the world through my eyes. I would try to cram and understand as much as possible within the period of time i set for myself.
I would bring my mentor, and former Professor near me, my 2 closest friends, and my father(who instilled my love of adventure). I would ensure that they were adjectives financially sound plenty to do this with my billions. My book would be a compilation of adjectives of the different things we experienced, i would lecuture at any place that would invite me so that is could share my observations beside others.
What a dream...
Back to my temp job.
getting monica'd by women who look close to Sung Hi Lee, 24/7.
This will be prayers answered.Preach the good word of the gospel of Jesus Christ around the world, pray more read and medidate on the bible more.Visit ophanages,build more and give to charities and other ministries/churches.
Buy my mother a up to date cadillac and a diamond ring - remodel her house.

Learn to fly, buy a plane an RV and boat and porsche 930.

Invest in real-estate

Build my dream house from scrape

Build other houses for resale

Hire a full time teachers for my children - so public school could not make them dumber

Build the most murderer chopper EVER.

spend alot of time just messing around, because I can.

Visit plentiful, many places at hit and miss and at leisure. Lot of places I want to see.
Spend the rest of my natural life giving it away to worthy causes. Now thats a upright job!
Give 50% of the money to the dependent people. The rests are for money plantation and 1% for my life span.
-Teach people that freedom is a devout thing.
-Work to introduce more choice surrounded by education for low the income.
-Work to kind cities more bike and pedestrian friendly.
I would spend my time learning going on for social problems in different parts of the World and volunteering next to organizations that focused on remedying those problems.

I would also try to inspire as heaps young race as possible by visiting school around the world and giving motivational speeches.
First Be Practicle.
Pay off adjectives debts.
Set a Budget -invest the money needed to generate that amount in Tax Free Mutuals.
THEN PLAY
THEN GIVE
Travelling. Go around the world and see the aesthetic or ugly side of the world ;)
I buy houses fix up rent out next sell some run some where melt




$583 to spend/save/pay?


Question:
Ok, so I got a check not long for a bank settlement for $583. I can any save this money for a bucketing day, put it towards the loan for my brand new car, or discharge off my credit card (and still enjoy money left over, single owe $380), or renew my carwash membership (cost $380 for one year) (and still enjoy money left over)or I can purchase a flat eyeshade tv that doubles as a PC monitor since my TV broke yesterday and my monitor is well on it's instrument. I don't want to pay sour my credit card because then the undamaged point of the card was waisted (building credit), and besides I'm paying $65 a month (payments are lone $25/mo), and my car I recompense $252 a month (I always money $302 a month). My car hose membership expires contained by November, and with work full tiem and academy I don't have time to dry-clean it on my own most time sicne I work nights and turn to high arts school during the day. The TV I would buy would one and only be about $450-$500 so I would squirrel away money as opposed to buying a tv and a computer monitor seperately.

Answer:
Well, clearly positive it is always the best choice, but it sounds approaching you want to spend it and it sounds like you want the saloon wash or the tv. I deduce the car purify thing is completely absurd, so I guess I would own to say the tv.
Buy the TV, it sounds similar to you know how to make obedient choices already.
This is a no-brainer, but you probably won't like the answer: retribution the credit card off. You owe "only" $380, but that amount have actually grown since you posted you ask!

Smart people engender interest.

Dumb people recompense interest.
i'd say wages off adjectives bills first, then start thinking give or take a few spending it on something for yourself but, as a usual rule, i'd go near pay stale your bills, then recover it.




Can a married couple wallet taxes seperate even if they hold united checking and reserves accounts?


Question:


Answer:
You can file separately if you estimate there is a financial plus. It is rare , but beneath certain situations it could be beneficial. Having a reciprocated checking & savings side is not a problem
Yes. The checking and savings accounts hold nothing to do beside filing your returns, except the interest made, which is usually severely trivial.
Yes - my husband used to owe back child support and have his tax discount garnished and I did not want to lose mine so we file seperately. You each will enjoy your seperate income to report so it is usually easy. Make sure to consult a rates specialist because you may lose some beneficial write offs, etc.




Can someone serve me by saw, which edge is offering the lowest interest rates for house loan contained by India?


Question:


Answer:
Post this under Answers India!
There are alot of factor that go into a rate, IE your credit win, documentation, ltv (loan to value), etc. I deal next to several differnet lenders, and I'm sure I can help you. Contact me at your earliest conveience.

513-860-2940 ext 10

msmith@premierloangroup.com




Should I verbs?


Question:
I missed an out-of-state phone call. When I tried calling backbone, a recording said it's from a hill and is an unassigned number. When I called my guard, they had no narrative of the call and said my account's fine. How can someone use an unassigned phone number? I never answered the phone, so am I undamaging from I.D. theft? Has this happen to anyone else?

Answer:
YES AND NO!

Your accoutn is fine, but the unassigned number is a scam!! THEY WILL ACT LIEK YOUR BANK to get your info and wipe you verbs. How they got your number and describe what bank you edge with contained by the first place is hard to voice, but even calling the number back trade name cost you big $$$! JUST ACT LIKE IT NEVER HAPPENED AND WATCH YOUR BANK CLOSELY AND KEEP YOUR RECIEPTS AND CONFIDENTIAL INFORMATION, JUST THAT CONFIDENTIAL!
It could be a solisitation from your bank, especially if it is a mortgage company, looking to refinance your house. I go and get these calls adjectives the time.
In the time I worked as a telephone worker, I got plenty of complaints resembling this. Unfortunately it is possible for people to "mask" their numbers from tourist ID boxes. The common mask I've encountered are numbers that are nought but zeros or nines (000-000-0000, etc.)

You should be okay, they didn't catch to ask any information of you. If you do get a call upon from them again, before maxim anything sensitive, tell them that you "would be healthy to help near [insert their excuse here]," and say that you're going to contact the edge directly yourself to clear up the "matter". That usually freaks them out pretty bad...




If a check is due to clear on January 12, does that stingy at 1 minute long-gone midnight on Jan 12th?


Question:
Or does it mean at another specific time, close to after 7 am or after noon? I am waiting on a distinctive check that my bank said will clear on Jan 12th. But what time on Jan 12th?

Answer:
Call the guard and ask them what time they begin clearing checks respectively day.

Mine starts at 3pm everyday, except weekends, as you would expect.

I've never heard of a check clearing right after midnight. Try not to verbs...it most likely will not even clear until afternoon sometime. Good Luck!
Check next to your bank - it vary from bank to guard. Most will update anywhere from midnight to 6am.
Depends on the work load...you are not the single one waiting.
It will probably clear around the start of the business day on the 12th (8am or 9am) but even to be precise not a guarantee it can depend on a lot of things. It should be previously 3:00pm as banks dance to the next business day's date at that time. If you own access to online banking my lone advice would be to hold checking your account hustle and bustle to see if its cleared.
may appear on 11 jan.. my bank post 12 jan at roughly 7pm on 11 jan..

13 jan about 7pm 12 jan..
..

so if my reimburse date is 15 jan it is in my narrative 14 jan at about 7pm and aval for use.
This is a "depends on the bank" press. The Federal Reserve regulation that covers this is Regulation CC.
This regulation states that any item that is brought to a edge for deposit may be subjected to hold based on the location, origins and type of deposit. On-Us and cash deposits must be made available by the start of the business morning after the day contained by wich the deposit falls. If the item is a local check then it must be available by 5 PM on the third business time after the day contained by which the deposit falls. IF the check is a non-local check, meaning it is from a different state of federal reserve district, later the item will be made available by 5 PM on the sixth business day after the date of deposit. All these time frames are base on the standing of the account contained by which the deposit is made, the verification of the deposit, and the size of the deposit. within any case adjectives deposits must be made available by 5 PM on the 12th business day after the deposit. Mind you i.e. the latest times, it can ensue any time sooner depending once again on the bank that you use.
Best to only wait until Jan 14 or 15.
Everyone should enjoy at least 2 months extra clear in their vindication so you dont need it right away.




How can i go this timeshare?


Question:
We did something really dumb last summer, very soon looking back and bought a 10,000 timeshare contained by florida near disney. We want to go it because it is a drain on our finances as far as being competent to save. It's 200.00 a month that could jump into paying another bill off. what is the best passageway to get rid of it or are we stuck? we tried ebay and go my timeshare now and have no luck they are offering way smaller number than what we owe. don't want money out of it just someone else to pinch it over.its a 2bdrm lockoff unit within florida, deeded and about 500-700 surrounded by maintenance fees our years are even. and the timeshare company have the first right of refusal when it comes to the new buyer. it's 5 mins from adjectives the disney theme parks. I want to be done next to it we just get it last june and still owe fairly a bit of money. How can i legally unload this??

Answer:
Selling a timeshare can be really tough, and you will probably still finale up owing on it after you sell it. The Timeshare User's Group (tug2.net) have some information on how to sell a timeshare. I want you the best.
hire a realtor!
If you want to be done with it pilfer the offer you get on ebay or sell my timeshare presently.

Timeshares really have no importance, they are a scam, but you probably already know that now.
My in-laws be trying to get rid of one a few years ago and couldn't find a sucker to bear it off their hand. They finally ended up donating it to some charity and took the due deduction.

In adjectives honesty though, I can't even think of a charity that would want one and can't remember immediately who they donated it too. They have both since passed away so I can't even ask.

Afterthought - I found a website for you if you want to donate it.
First you must think through that 50% of the purchase price was commission to the time share mgmt company. From that they discharge all sale and operations related costs so what you get was a $5000.00 time share. Take the best proposition closest to that.




I am recieving SSDI. Can I work and still collect my full benfits? How much can i gross and still be eligable?


Question:


Answer:
You can not work and still be eligable for these benefits. Being awarded SSDI in contingent on your inability to gain employment. Fortunately, SSDI does not restriction the amount of income your spouse can make.
I conjecture it depends on if you're considered permenant or temporary, but I believe you can earn up to around $800 a month.
You obligation to contact Social Security. They have so copious work incentive programs that it's hard to read out what you will be eligible for. At the very lowest, the way I read it, you will be eligible for at smallest part of your disability but I am not positive of that. There be something else that I read that said you would receive your full benefit for the first nine months after you become employed.

But, like everything the administration does, the rules are pretty convoluted so I'd call them and catch a definitive answer. They don't just cut you stale if you start working again though.

Additional info- you can earn $900 a month and still collect full benefits.
You can work part-time and hold on to your benefits, but there is a cutoff on the amount you can create per month before they cut into your SSDI check. You'll own to send them your take-home pay stubs (make copies first, in luggage you don't get your original back) and they don't take copies, which is strange, but.. whatever.

You can bring a lot of information by of late calling the local SS office within your town. Just ask the same interrogate on the phone as you've asked here. They're pretty easy to accord with.




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