Business & Finance - 24 September 2006

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http://www.livesimply.co.uk/forum/viewtopic.php?t=31

I need a flatmate fast!

2006-09-24 11:15:02 · 8 answers · asked by The_sky_is_blue 2 in Renting & Real Estate

2006-09-24 11:11:39 · 19 answers · asked by Anonymous in Careers & Employment

I am 20 yrs old I bought a duplex 4 months ago for 147,600 its appraised at 148,000 so I got it at top dollar. I got financing on 80/20 80%@7.5 adjustable rate (will go up in 2 years guaranteed) and 20%@10.75 fixed rate. I will be paying interest for the first 2 months. I am losing $200 on this monthly w/ tenants living there. It's suppose to be my primary residence. Refi penalty for the 80 loan is $3600 and no penalty for 20%. So my question is I got a loan on stated income, I figured I am losing $200/month*24=4800 in 2 years interest only from my own pocket. If I refi now $3600 penalty and maybe $3000 closing cost (estimation) so that's $6600 loss which I can live with 6600-4800=1800 difference I can live with that. But if I refi 30 yr fixed rate I have very low income i am a college student can I get possibly better rates to lower my down payment, I want to refi 0% down fixed 30yr rate is that possible? I want some advice plz I don't want to go bankrupt in 2 yrs when rates go up!

2006-09-24 11:09:54 · 2 answers · asked by Dispirited 2 in Investing

2006-09-24 11:08:07 · 6 answers · asked by Anonymous in Personal Finance

2006-09-24 11:07:48 · 12 answers · asked by iluvtvtwo 1 in Careers & Employment

2006-09-24 11:06:51 · 4 answers · asked by chaitanya 1 in Careers & Employment

I have read that many/most VISA/Mastercard merchant agreements prohibit merchants from requesting and/or recording additional ID from customers as a condition of sale, but I have frequently been asked to fax copies of my passport or other identification as well as a copy of the credit card itself to online vendors.

I am concerned about anonymous vendors having this sort of information in their possession - credit card information PLUS identification. Even if they have no malicious intent themselves, how can I be sure that they are safely deleting (or storing) my personal information?

2006-09-24 11:02:48 · 6 answers · asked by TriniSalt 2 in Personal Finance

I want to be able to make some money from home on my own time. Thanks for any help!

2006-09-24 10:56:54 · 13 answers · asked by JP 4 in Careers & Employment

2006-09-24 10:52:28 · 5 answers · asked by ayush 1 in Careers & Employment

at the time of the tip the person has no connection to the company or even stock market for that matter, however if after that the person decides to invest in the company is it still illegal and is the person liable? If the person is liable under what charges and cause (since technically he's not even a trader let alone an insider)

2006-09-24 10:47:13 · 7 answers · asked by choco taco 3 in Investing

can anyone give me a list of cheap islands to actually buy property and/or buy a house?

2006-09-24 10:45:56 · 5 answers · asked by julyrck 1 in Renting & Real Estate

Say ive been working for a temp agency for 2 months and I want out...do I need to give them a 2 week notice or can I just quit?

2006-09-24 10:44:55 · 12 answers · asked by juju 3 in Careers & Employment

Account "went bad" in December and was turned over for collections in January. We've made small monthly payments since February, and received a notice from a new collection agency yesterday for the same account...apparently the first collection agency turned it over to another one.

At any rate, does an account have to be really old for a collection agency to consider settlement offers or does the fact that this account has been in collections less than a year really matter?

Also, I realize you can settle credit card accounts maybe, but can you settle other types of accounts, too? (Like, an old cable bill for example.)

2006-09-24 10:42:31 · 5 answers · asked by WhyAskWhy 5 in Credit

I am in a bit of a bind and I need some extra cash. I currently working a fulltime job also going to school full time not to mention taking care of a my 5 year old.
A friend of mind recommened that I sign up with Cash Crate. But before I do I would like to know if they are a legitamate company and can any tell me thier experience good or bad with this company.

2006-09-24 10:40:41 · 6 answers · asked by Anonymous in Careers & Employment

I am currently a senior at a state university (will be graduating in December 2007) with around a 3.4 GPA with an undergrad in Finance/Economics. I am extremely interested in a career in investment banking or securities trading.

Does anyone currently work or know someone who works in these fields? I needed some information about the position responsibilities, education requirement, pay scale, difficulty of entry, etc.

Thank You.

2006-09-24 10:38:05 · 1 answers · asked by Anonymous in Careers & Employment

i just completed a online course at pennfoster.com i have already tried walgreens but they were alittle mean cos i have a online degree.
i just registered to take the ptcb in nov.

2006-09-24 10:34:08 · 2 answers · asked by sunshiny93702 2 in Careers & Employment

I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.

2006-09-24 10:33:30 · 9 answers · asked by Tanoum A 1 in Renting & Real Estate

12 hour work shifts together. No place to go hide. Dont want to be rude. Cant get a single word in.

2006-09-24 10:29:16 · 10 answers · asked by Anonymous in Careers & Employment

2006-09-24 10:28:01 · 1 answers · asked by ken money 1 in Careers & Employment

2006-09-24 10:22:56 · 2 answers · asked by C2615 1 in Other - Business & Finance

Comparable store sales if often used in the retail industry. What exactly does this mean?

2006-09-24 10:13:49 · 2 answers · asked by Anonymous in Other - Business & Finance

Are there any computer schools / universities in the Philippines or in the US that offers SAP courses or certifications? If so, what are the names of the schools? I'm a fresh graduate w/ a degree in computer engineering and I want to pursue my career in SAP. Thanks

2006-09-24 10:11:16 · 3 answers · asked by XYZ 1 in Careers & Employment

2006-09-24 10:06:02 · 9 answers · asked by Anonymous in Other - Business & Finance

Me and my hubby are going to sort out our mortgage at the bank tomorrow. We know that we have to take our last 6 months salary slips, but cant remember what else we were told to take with us! Does anyone know? Thank you!! xxxx

2006-09-24 10:00:41 · 11 answers · asked by Anonymous in Other - Business & Finance

Has anyone or does anyone know of anybody who has trained with 'First Impressions' image consultant trainers - I'm wanting to train & thought it might be helpful to get some 1st hand feedback about this company.

2006-09-24 09:58:28 · 2 answers · asked by Anonymous in Small Business

College is not cheap, is it worth the cash if you have to pay for it yourself.

2006-09-24 09:56:29 · 12 answers · asked by BarCo 2 in Investing

Think of everytime you use your credit card these day. They gas pump, u-scan check outs, many times no one even looks at your card. To me, writing see id on the back is a lame attempt to place responsibility on another party. Isn't is just better to be responsible to know where your cards are and what to do if they happen to be stolen? What happened to being responsible in today's society?

2006-09-24 09:49:23 · 4 answers · asked by meb312 1 in Credit

I had defaulted on my student loan and they were harrassing me. My husband had recently passed away. I had no income, no insurance and had to have surgery. The District Attorneys office called and I had to meet with them. I managed to get a loan with the help of a friend and paid the student loan off. Now 2 years later, I receive a call that says I still owe a student loan. I don't believe this is true but I never received a letter stating the loan was paid. I don't know how to prove that the loan was paid.

2006-09-24 09:46:23 · 4 answers · asked by browneyes 1 in Personal Finance

I was working at this trucking company as a payroll clerk for the past 2 months. I quit Fri, because he boss and others acted like she didn't want to help me and I should already know what I was doing. I was new to that career field. I always met my deadlines and didan accurate job to the best of my abilities. The boss she is 28 and I'm 27, is a total *****, always yelling and cursing, making degrading remarks to me and about me to other employees. I confronted her in a professional way a week before i quit and the situatuion didn't improve. She made a comment to one of the drivers that "we were short on clerks and hired a new one and she isn't doing a very good job". She made a hostile environment to work in and I didn't want to be in that environement. I quit and sent a letter to her boss and to the southest regional, saying all that in a professional way. But I don't have much clerical experience and need the experience. Should I put this work experience on resume or leave it off?

2006-09-24 09:41:52 · 11 answers · asked by soccermidchik 2 in Careers & Employment

2006-09-24 09:38:09 · 2 answers · asked by codybug 1 in Corporations