Business & Finance - 10 June 2006

My credit score is 490 and i'm in the process of getting bankruptcy.
I dont know how life is after babkruptcy. I know things like car rates will be very high. How different will things be? i'm only 25 with two children, working and making 21,000 a year. I want to buy a used car soon but I'm scared of high rated including insurance. Will I be denied for everything? I only have a Macys card and that one is in good standing and will make sure it is. Any one can tell me how life will bw with low credit score and bankruptcy?

2006-06-10 09:07:34 · 12 answers · asked by sjrosario82 1 in Credit

i got insurance through a local agency. they gave me gmac insurance. the problem is this. the company i originally went to goes by (i was told by my agent) kelly blue book. gmac, however, wants to go by nada. a $2,000 difference. that's a lot of money in my book. ( a brand spankin' new hearing aid! ) how do i get the difference?

2006-06-10 08:59:12 · 3 answers · asked by Anonymous in Insurance

I noticed inventories are at 5-6 yr record highs & prices flat for the last 6 months. But when will they begin to tumble like the late 80's ?

2006-06-10 08:50:57 · 3 answers · asked by Anonymous in Renting & Real Estate

I'm 18 years old, without a job, I've got about $1000 to my name, besides the obvious "get a job" response, I'd appreciate any real suggestions about what to do with my money to make it grow, both over a very short period of time, measuring say months, to a long term lifetime plan.

2006-06-10 08:50:33 · 5 answers · asked by paratechfan 3 in Investing

My father-in-law is building our house. I get to keep up with the loan
money going in and out, receipts, invoices, etc. I want to create a
spreadsheet for each month for these transactions. I was needing
help on what all info do I need in the spreadsheets and how does my spreadsheet need to be set up? Please Help!!!!!

2006-06-10 08:49:25 · 1 answers · asked by law22 1 in Personal Finance

2006-06-10 08:48:58 · 7 answers · asked by googlefan 1 in Advertising & Marketing

Does COGS include things that you use to deliver your product, or are they their own line item under expenses?

2006-06-10 08:40:19 · 4 answers · asked by csgillis 1 in Other - Business & Finance

I resighned because i found a new job. A week into my resignation my boss terminated me, for reasons he had no previous Documentation on ! not only that,It so happens that my former boss went to the new agency that hired me for this new job position and said i had been terminated , so therefore I was revoked from my job offer. Which leaves me without a job. Would I qualify for unemployment ? Does this in your opinion seem like a consructive termination ? I had been with the company almost 4 years .

2006-06-10 08:26:32 · 6 answers · asked by Lilly 1 in Careers & Employment

My credit score is a 690 and I want it higher. If I close some of my credit card accounts will it go up or does it show negatively when you close accounts?

2006-06-10 08:22:36 · 0 answers · asked by amy k 2 in Credit

2006-06-10 08:11:51 · 3 answers · asked by Anonymous in Small Business

thinking of setting up a small business in stafford can anyone in the area think of a product thats is needed in the area?

2006-06-10 08:07:28 · 5 answers · asked by ? 2 in Small Business

whats the best way to get it (2000-3000$) if my score is 655

2006-06-10 07:55:15 · 10 answers · asked by Anonymous in Credit

I need to answer the following questions...

The firm's average tax rate was 20 percent.

Cost of goods sold $8,000
Income taxes paid $2,000
Administrative expenses $3,000
Interest expense $1,000
Depreciation $1,000

What was the firm's net income?

I believe that if the tax is 20%, and it says income tax paid was 2000, then the gross income would be 10,000. The net would be 10K becasue all the data is liabilities, therefore its untaxed...

what must have been the firm's revenues?

What's the EBIT?

2006-06-10 07:52:01 · 1 answers · asked by C J 1 in Corporations

if you won the lotto for 100 million would u keep working till you got the money or would you just quite working right away?

2006-06-10 07:50:34 · 18 answers · asked by emc251978 2 in Personal Finance

2006-06-10 07:46:59 · 18 answers · asked by vinaysreepad 1 in Personal Finance

Hi. I want to work in a more formal enviornment, but I can't take out my nosering. i'm a hindu, but I am not sure if the managers will believe me, ebcause i am not 100% indian. (My grandfather was, and passed it down) So whats a way that I can cover it up, or convince them? I do not want answers like "don't get the job", or "they are ugly, or you shouldnt have gotten one inthe first place" I do not care about opinions on noserings. I just want a good answer. Thanks

2006-06-10 07:32:56 · 7 answers · asked by ? 5 in Careers & Employment

How do we know if the data entry work is legitimate when they ask us to pay around 50$ for initial enrolment ?Is there any training given during the initial stage? like how do u know how to start up the work . can anybody out there provide me with more information on the same .

2006-06-10 07:27:30 · 1 answers · asked by Monica 1 in Careers & Employment

2006-06-10 07:23:44 · 6 answers · asked by MrMonkIsMyIdol 2 in Investing

My previous employers handbook states on the On January 1st of each year, employees having at least 1 year of full-time continuous employment will receive 18 days of paid time to be used as they wish during the year. If all is not used by December 31, cash compensation will be given.I understand 6 of those days are sick time,which are accrued every 6 months,and I was paid for 2.So that still leaves me with 10 days.When I wrote the office manager a demand letter,she now states the other 10 days are accrued through out the year,which it doesnt state that.I could have used my 5 vacation days at the beggining of the year and have been paid for them.I sent a letter to the Attorney General and received a response to take it to small claims court.My question is,should I sue for the 5 days,or would they give me the ten days as stated in the handbook?

2006-06-10 07:22:27 · 3 answers · asked by SnappleGirl69 2 in Careers & Employment

2006-06-10 07:20:42 · 6 answers · asked by Anonymous in Small Business

2006-06-10 07:17:58 · 5 answers · asked by cassiew60 1 in Investing

2006-06-10 07:17:01 · 3 answers · asked by Anonymous in Personal Finance

2006-06-10 07:06:40 · 3 answers · asked by sugar 2 in Careers & Employment

An atheist church. get funding from the lottery commission like all the other religions do?

2006-06-10 06:56:20 · 2 answers · asked by A man of constant sorrow 1 in Small Business

All numbers are rough numbers, so the idea comes through better:

I borrowed 20,000 from the government, which I am set up to pay back at 5% interest over the next 10 years.

If I were to lend 20,000 to a bank at a higher interest rate, over the same time frame, wouldn't I be able to use the interest income I earned from the 20,000 I lent to pay off the interest expense incurred on the 20,000 I borrowed?

Of course I would, if I lent at a higher rate than I borrowed. My question to you is: Is this arbitrage possible in the real world?

2006-06-10 06:55:51 · 5 answers · asked by michael m 2 in Personal Finance

A friend called and asked me the following. I don't know the answer.
She has been living in a home for one and one half years. She has a two year lease. The lease contract says the landlord pays the water bill. She said the landlord called her and told her that she had to start paying the water bill or get out. Isn't the landlord breaking the contract? If he is, does he owe her the remaining amount of money she have had to pay him for the lease? The landlord told her if she doesn't get the water in her name before July first, she has to move and then he said SHE would be breaking the contract and SHE would owe him the remaining $4000.00 that she would have paid in rent. This is in North Carolina. Anyone out there know? I don't have a clue.

2006-06-10 06:50:41 · 9 answers · asked by historybug 4 in Renting & Real Estate

MPPI is Mortgage Protection Payment Insurance

2006-06-10 06:46:46 · 4 answers · asked by Paula M 5 in Insurance

My idea is to train as a deep sea diver and and collect fish farts for the spirit level industry. Do you see a future in this?

2006-06-10 06:45:47 · 7 answers · asked by A man of constant sorrow 1 in Small Business

2006-06-10 06:40:52 · 8 answers · asked by UR 1 in Corporations

If you found out that:

2 years and 7 months prior to the purchase of your 100+ year old home, the previous owners had video taped the entire sewer system and subsequently removed a section of sewer pipe underneath their sidewalk. You then found that the sewer cleanout in the basement had extensive wear from repeatedly being snaked. Finally, you remember all of their belongings being placed on crates in the basement when you viewed the home...

After having repeated sewer backup problems yourself and finding that a much bigger and more expensive problem exists than just replacing a section of sewer pipe (ie the pipes in the back yard are collapsing). Would you believe the previous owners when they said that they totaly forgot about ever having had a problem when filling out and signing the property disclosure form? And that after their repair they never had another problem? And after viewing the video tape of their sewer line they said"it was a funny tape, so they threw it away."

2006-06-10 06:37:04 · 14 answers · asked by Steve S 1 in Renting & Real Estate