Business & Finance - 10 August 2006

I am starting a new job which offers life insurance. For $30 a month I can get a decent policy. However, I have no one to name as beneficiary - my family has plenty of money and there is enough in my bank account to cover funeral costs/legal fees. Do I need life insurance? Should I wait and opt in when I have a family?

2006-08-10 16:58:17 · 18 answers · asked by DarlinDukie 2 in Insurance

I have a great education, I'm a nurse, but recently my husband became disabled. Now, we are struggling somewhat. I'd like to know what I can do to improve the situation, so we aren't struggling so much. We used to have a house, which we had to give up because we couldnt afford all the expenses. Now that we have eliminated excess, our incomes still arent enough to get ahead, let alone see the end of the tunnel. We budget and so on, but there must be something I'm missing. Any clues?

2006-08-10 16:56:04 · 10 answers · asked by Anonymous in Personal Finance

I'm curious if i can roll my 401k without penelties if i use it as an investment into a new startup business.

2006-08-10 16:55:26 · 8 answers · asked by ken w 1 in Small Business

2006-08-10 16:53:46 · 5 answers · asked by Anonymous in Investing

I have a great education, I'm a nurse, but recently my husband became disabled. Now, we are struggling somewhat. I'd like to know what I can do to improve the situation, so we aren't struggling so much. We used to have a house, which we had to give up because we couldnt afford all the expenses. Now that we have eliminated excess, our incomes still arent enough to get ahead, let alone see the end of the tunnel. We budget and so on, but there must be something I'm missing. Any clues?

2006-08-10 16:53:34 · 3 answers · asked by Anonymous in Personal Finance

2006-08-10 16:51:45 · 5 answers · asked by Answersearcher 1 in Investing

My Dad owns a business. a guy skipped out on his bill. Dad wrote a letter. i think it's wishy washy. Names left out to protect identites. i need opinions & ideas on how to make it sound more serious.
Customers name,
We have submitted your check, number ####, for $225.00 to your bank twice & it was returned both times for insufficient funds. We called "name" on Saturday August 5, 2006 at your home phone in Some Town, USA & "name" told me to leave a message on his cell phone & he would take care of it on Monday August 7, 2006. I left the message but did not hear from "name". On Wednesday August 9, 2006 I called the home phone in Some Town USA & that number is no longer in service. I called "names" cell number & the message said the number was incorrect. I then called your bank in Some Town USA; they are not allowed to give info on their customers. If you would please correct this and send us a certified check before August 21, 2006 we would really appreciate it.

2006-08-10 16:49:04 · 6 answers · asked by purple dove 5 in Small Business

2006-08-10 16:47:41 · 6 answers · asked by bricldy 2 in Careers & Employment

have an interview if they ask this question what should be my answer with my personal experience...help

2006-08-10 16:45:57 · 5 answers · asked by Anonymous in Careers & Employment

Does anyone know a good company that I can do Mystery Shopping through?

2006-08-10 16:45:47 · 4 answers · asked by Tracy L 1 in Careers & Employment

I am a sales professional with an exp of 2.5 years. I want to enhance my CV value by going for skill updation.

2006-08-10 16:45:13 · 1 answers · asked by disavowed 1 in Advertising & Marketing

2006-08-10 16:44:54 · 9 answers · asked by neontb2 1 in Small Business

I am 32 divorced and currently renting an apartment for 725/month. I amke enough to buy my own home, but the area I live in has outrageous land values. I think I would end up paying about 1600 for anything decent plus high taxes and insurance. I really think that I would be better off continuing to rent and invest that money rather than put it into a house. Once you take into account the interest, extra bills and incurance, it doesn't seem to be worthe it. I could see if I had a large family, but I only have my kids on the weekends and already creeping onto their teen years. During the week, I spend more time at work than at home anyway.

Do you htink I would be better to rent or invest.

2006-08-10 16:40:36 · 6 answers · asked by bjmarchini 2 in Renting & Real Estate

my hubby just got a new job in construction but i have no idea what a w-9 is and what it means?

2006-08-10 16:40:17 · 6 answers · asked by mary_llinas 2 in United States

the refinanced amount owed to the bank. Which may be $20 to $30K higher than the original price due to so much equity in the property.

2006-08-10 16:40:03 · 6 answers · asked by Slim 1 in Investing

Give me a scenario where you had to go through a change.

2006-08-10 16:37:08 · 8 answers · asked by arlawallyr 1 in Corporations

I went through a bad divorce, and it destroyed my credit. I have been rebuilding it for some time. I currently have a student loan very current and have an auto loan with a perfect payment record. My score was at won time down to 430, and I currently am up to 575. I am looking to get a credit card to use monthly and pay off each month in order to further rebuild, but it seems that every company out there is a credit card pirate company. I would even not mind opening a secured account, but the fees for so many of these companies are just ridiculous.

Does anyone know of a unsecured or secured credit card company to recommend?

2006-08-10 16:33:52 · 10 answers · asked by bjmarchini 2 in Credit

I own two houses out right and have a good retirement income. I don't see the need but friends and a tax accountant say it is a good idea for "just in case ". I have ample savings to handle any foreseeable future problems. I dislike filling out he paperwork and getting the free house appraisal ( I am big on keeping life simple)

2006-08-10 16:28:29 · 4 answers · asked by dynamojack@pacbell.net 1 in Personal Finance

i'm 24 and my husband is 23 years old. how we figure out how much $$ to contribute to our IRA monthly? what's average ammount of intrest is added annulally? we know what we can afford to contribute, but is there a limit?.....pretty much i need any info you can give me about IRAs

2006-08-10 16:28:26 · 2 answers · asked by Anonymous in Personal Finance

For a while now I have been thinking of opening my own restaurant. The city I live in ( Louisville, KY) all ready has all the restaurant you can think of. I thought that would be the cheapest buisness to open. Now I'm not sure. Then me and hubby thought about a skating rank. We look up some info on the web and found out that the average start up cost for that is a million dollars. Now I'm thinking of an internet buisness. That way I can stay home with my children. Now I'm looking for information on starting up an internet buisness. First of all do you pay taxes on it? Is it cheaper then starting a regular buisness? Also have any of you bought one of those online stores? You know the kind that is prestoked and you just pay like $40. I live in poverty and don't have any saving. Neither me or my husband have good credit. I don't see us having a good chance at getting a loan. Any ways thanks for your help in adavnce.

2006-08-10 16:23:45 · 4 answers · asked by josieshs 3 in Small Business

I need help finding free training or funding for school any ideas please Help???? just got my last unemploment check!!!!!

2006-08-10 16:23:39 · 5 answers · asked by mel416 3 in Careers & Employment

Ok when you are in an interview and the person ask's you what is one of your flaws i heard you were supposed to make it a positive flaw. What is a positive flaw?????

2006-08-10 16:22:38 · 5 answers · asked by Theater freak 2 in Careers & Employment

Is It Advisable To Have Two Cradit Cards At The Same Time? I Plan On Doing So

2006-08-10 16:21:12 · 15 answers · asked by pamens88 1 in Credit

I work as an admissions advisor at a university. Well this student who is in his mid 40's kept trying to flirt with me. He kept asking me my age which is 24. He kept telling me that would love to get married again when i would ask him about his long term goals. He kept asking for my direct number over and over. He said he wishes i was in my 30's because i sounded so mature for my age. I told one of colleagues about it and they thought that it was disguting. However, i really need this enrollment since 7 are due each month and this my third week at this job.

2006-08-10 16:20:31 · 6 answers · asked by Anonymous in Careers & Employment

I don't want a real estate agent, they can only search similar properties which sold. I'd like a bank estimator to find out how much of a mortgage they would allow on the property but banks themselves haven't given me the name of their appraisers as their appraiser is an employee... Since there isn't a potential mortgage, the bank itself isn't involved.

2006-08-10 16:17:07 · 20 answers · asked by Brokn 4 in Renting & Real Estate

I want to start up a new business and compete with my current employer. I kind of feel bad. The reason I feel like I need to do this, is I have stopped growing with in the company. I have been with this company and all I Know is this business. Is it ethically and Morally ok to to this? Please give me some advise.

2006-08-10 16:16:31 · 11 answers · asked by gnut 1 in Small Business

I got this from employment classified and I would like to know what do you folks think about this site. Is it fake? Scam? There was this one site I've seen before and the layout of the site is similar to this one. I have a full time job but I am lookin for an extra income like a 'work at home' job.

Here's the site:
http://www.paidrefundjobs.com

2006-08-10 16:12:14 · 6 answers · asked by Ninja6RR 2 in Small Business

I've worked for this person before and she always paid me later by just a few days. Usually have to call and remind her.
this time she does not answer my phone calls. she owes me alot of money, because i worked long hours.

2006-08-10 16:11:49 · 9 answers · asked by tuna 3 in Small Business

Why do people always throe away pennies?

2006-08-10 16:07:31 · 9 answers · asked by chinchillia46 2 in Credit

I have a degree in Criminal Justice and I want to work with kids. I applied for the state and county jobs ie. probation, corrections, youth counselor. But now I'm looking for other jobs like working in group homes, but when I do a search for jobs in group homes or even the group home webpage I can't see to find anything. What is another title I could look under to find what I want to do. Or even suggestions to as to what else I can do.

2006-08-10 15:57:51 · 5 answers · asked by TaffySam 3 in Careers & Employment