Business & Finance - 12 August 2006

I would like to know what to do about refinancing my home or if equity loans are best suited for my needs. I bought my house 3 years ago with a no down first time home owner mortage. I got a 5/1 ARM at 6.125% which will be over in 2008. I want to get a fixed rate now locked in but also would like to boworrow money to pay off debt and do some remodeling and consolidate into one payment. The property is appraised at $ 150,000 and the principal is $ 113,000 will I be able to accomplish my goal? I figure I would need $ 20,000 to pay off the debt and get some things fixed , Any advice would be appreciated.

2006-08-12 17:50:04 · 6 answers · asked by Anonymous in Renting & Real Estate

2006-08-12 17:46:45 · 4 answers · asked by •nel• 2 in Careers & Employment

i already made requests for my check via email, they said they would fed ex it to me but never did.

2006-08-12 17:46:42 · 9 answers · asked by do it for johnny 1 in Corporations

2006-08-12 17:46:29 · 4 answers · asked by Jief 1 in Insurance

2006-08-12 17:39:04 · 1 answers · asked by muthanna_nasir 1 in Other - Business & Finance

I dont know much about them. My mom tried to explain but she dosnt really no either. Can i use my savings account or do i need a checking account. If i am asked to show ID can i use my school id? Is there anything else i should know? Thank you

2006-08-12 17:08:28 · 13 answers · asked by lukezzzzzz 1 in Credit

I currently hold a bachelors and masters in chemistry. I am fairly talented with web design and I love trying new technologies. I also enjoy working with the development office at our school. What career suits me?

2006-08-12 17:08:19 · 9 answers · asked by NetEntropy 2 in Careers & Employment

2006-08-12 17:07:41 · 6 answers · asked by Anonymous in Credit

I really want to advertise in Oklahoma and recruit and hire for lia sophia jewelry Advisors. Any suggestions for any local school or church advertising available???

2006-08-12 17:06:39 · 2 answers · asked by Gretchen U 1 in Advertising & Marketing

2006-08-12 17:05:38 · 10 answers · asked by PlasticTrees 2 in Other - Business & Finance

I was accepted to study in the UK for graduate school in social policy but would like to return to the US to work after completion of the masters program. How valued is a masters from the UK in the US, and what are my chances of getting a good job in the US versus if i get a masters for the same program in the US?

2006-08-12 17:05:10 · 4 answers · asked by chia123 1 in Careers & Employment

I received the free Razor phone from Pepsi Smash contest but phone doesn't work. The information that came with phone said to contact us for any question or concern but there is no listing neither on the card nor on the web site. Any suggestions?

2006-08-12 17:01:48 · 2 answers · asked by SK 1 in Advertising & Marketing

i want to own then and don't know anything about getting started so i was hoping someone can give a few pointers anythig at all

2006-08-12 16:55:04 · 3 answers · asked by rich13 1 in Advertising & Marketing

I was wondering if you collect partial Social Security Disability and work the minimum, would you still be able to purchase a home or is it something that comes up on the credit report?

2006-08-12 16:49:29 · 9 answers · asked by Glorylori28 2 in Renting & Real Estate

and never paid it off. The law firm wants to garnish my wages if I go to court (I am trying to settle with them out of court). How much can they garnish my wages? I live pay check to pay check. All but about 300 dollars a month goes to things I need to live such as rent, elec., gas, phone, food, gas for car etc. Do you think if I submitted an itemized list of what my monthly expenses are to a judge he'd would allow them to take 25% of my wages? (The lawyers claim they will get 25% of my wages until it’s paid off) If they take 25% I will loose everything. To me it doesn’t make any sense that a judge would allow them to take so much of my money that it would cause me to become homeless and loose my job. If I loose my job then they don't get paid off. What should I do? Settle out of court? Or should take a chance that a judge will see that I am poor and don’t have the means to pay it off?

2006-08-12 16:49:07 · 17 answers · asked by metrogurl 2 in Credit

If I sent an e-mail to my boss that I would be finishing up my classes and the contract I signed stated a I to attend for a year but did advise by e-mail and verbally that the at the time unknown to me contract would be breached, Do I have the right to sue the company and/or the individual?

2006-08-12 16:46:17 · 3 answers · asked by iampsycholee 1 in Corporations

2006-08-12 16:44:45 · 15 answers · asked by Anonymous in Other - Business & Finance

I am 17 years old with many volunteer experience and a work experience but never have been employed for a real job. I've been a little, er, desperate for a job lately, but i'm pretty picky--i dont want to work at a fastfood place, instead i want to work at a video store since it is my biggest interest..(movies, entertainment). I;ve thought about applying for local theatres (my second choice)

I would like to know what the age limit is to work at, say blockbuster and the qualifications/skills they would look for or expect. Do the employer train you if you get hired, as well?

2006-08-12 16:42:47 · 2 answers · asked by Anonymous in Careers & Employment

2006-08-12 16:39:46 · 9 answers · asked by Shannon T 3 in Careers & Employment

2006-08-12 16:39:26 · 5 answers · asked by maryjane 2 in Small Business

The US government says that only ten percent of the us population are consider rich. Does anybody know what is the money amount to be consider rich?

2006-08-12 16:29:52 · 10 answers · asked by Relggob 2 in Personal Finance

2006-08-12 16:27:30 · 2 answers · asked by thecueballkid 1 in Investing

We are looking to move to Ontario from Alberta in the next year but not sure which area is the best place to live. We have a 2 yr old daughter and want to make sure that it a good area to raise a family. Any comments or inputs would be gratly appreciated.

2006-08-12 16:25:01 · 2 answers · asked by tykes02 2 in Renting & Real Estate

I haven't been on an interview in years I want to looked prepared what should I bring along with me?

2006-08-12 16:21:37 · 15 answers · asked by cutiepie81289 7 in Careers & Employment

I'm a high school dropout with absolutely no work history, and I was wondering how I could get a data entry or office job if I have no education or have never had a job before. Almost all office jobs, even the lowest paying ones, require education and at least 1 year of previous experience. All I know is Microsoft Word 2000 and other basic computer skills and I'm very good in math. Could anyone help me out? Is there a paying data entry or office job out there that requires no education or experience, just basic computer skills? Could anyone help me find the data entry or office job I've been looking for? Thanks so much.

2006-08-12 16:20:25 · 25 answers · asked by kls 2 in Careers & Employment

What is your opinion of the minimum wage? What hourly wage do you pay your employees on average? What kind of benefits, if any, do you give them?

2006-08-12 16:13:25 · 2 answers · asked by jdnmsedsacrasac1 4 in Careers & Employment

Trying to start my business

2006-08-12 16:09:51 · 2 answers · asked by Anonymous in Advertising & Marketing

I own 50 acres of land (a 40 acre parcel and a 10 acres parcel with separate tax ID numbers, but which were purchased with one mortgage). The house and buildings sit on the 40 acres. The other 10 are unimproved Ag zoned. I want to put a business on the adjoining acres, including putting up a new building. I want it to be separate from my home, and I want to be able to sell it separately, perhaps, in the future. If I want to get a mortgage for the new building, do I have to separate the 10 acres from the other 40 so that the 10 acres has a clear title? What are the chances that my bank will do this for me (I have paid 5 years of a 15 year mortgage - I had originally put down 20%). How should I negotiate this wtih the bank for the best possible outcome which is to get a clear title on the 10 acres without paying too much or anything.

2006-08-12 16:08:52 · 4 answers · asked by Tammie R 2 in Other - Business & Finance

2006-08-12 15:51:33 · 6 answers · asked by Anonymous in United States

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2006-08-12 15:47:33 · 2 answers · asked by Anonymous in Credit