Business & Finance - 15 November 2006

My husband and I are trying to get a new used car and trade ours in. Our credit is not the best, we spent $2000 cleaning it up last yr., it just still takes time for your credit score to rise. We have had our car through this dealership for 4 yrs. and only owe $1,500 on it. We have had 2 payments through the hole note that were 30 days past due, and they are giving us a hard time about that. I am so pissed, because we worked hard these last 4 yrs. to stay current with them and always try to pay them on time. I don't know I just thought having a good standing account with them for fours yrs. now they would be eager to help me, but they all seem like a bunch of stuck up jerks. And figures now the car is starting to act up, and I will be paying on a broken car, because I can't afford to spend too much fixing it (husband thinks it the transmisson???) when it not worth much to begin with ( it's a 2000 Mitisbishi Galant).

2006-11-15 11:28:01 · 6 answers · asked by Anonymous in Credit

Is there any sites out there that you can say "this is how much I bring home", I should figure ?% for rent, ?% for utilities, etc. I'm really trying very hard to get financially back on track. I've recently paid off a chapter 13 and I'd like to slowly save for purchasing a home in maybe 5 years at the most. Thank you in advance

2006-11-15 11:27:27 · 5 answers · asked by dreamz 2 in Personal Finance

2006-11-15 11:25:23 · 8 answers · asked by ncharming@btinternet.com 1 in Careers & Employment

I've been a worker at a restaurant that my parents own. I don't mind working there but I want to apply at a video store. I want to do something different. I've been here at the restaurant for 4 years and have done all the jobs here that you can think of. I just want to do something different and make my own money. I feel wrong taking theirs. Its a very tiring job but would it be wrong to try and find another job? I feel like i'm betraying my parents by doing this. I just need some other people's opinion?

2006-11-15 11:23:03 · 1 answers · asked by dhuynh87 2 in Careers & Employment

I don't want to take out a payday loan. I was wondering if there were any credit card companies that extended emergency loans (not line increases) that were instantly available as a line of credit. Does anyone know of one?

2006-11-15 11:20:09 · 8 answers · asked by tru_story 1 in Credit

I have not applied for credit recently, now for the past month I get these calls and also from mortgage businesses. How can I make them stop?whay are they calling???

2006-11-15 11:19:30 · 6 answers · asked by Anonymous in Credit

I have 2 in-laws who have tried to explain to me how great this program is, yet from everything I can see, the prime focus is on recruiting members to sign up below you in the pyramid, vs. selling services or products at better deals then can be had retail.

Every time I ask about what the services are that I would sell are, I get names like Cingular, but no specifics.

My hunch is that unless you can provide a better deal to someone, all that will end up happening is the members of the Fortune Hi-Tech Marketing group will be selling themselves, and maybe family and friends, the services, and trying to recruit more downstream members who do the same. Great if you are near the top, otherwise not so good.

What's your experience been with the plan?

2006-11-15 11:12:36 · 2 answers · asked by Uncle Pennybags 7 in Other - Business & Finance

i want to report my previous employers wrong work standards, i want to report my employers low pay etc just dont know how to? please help thanku

2006-11-15 11:12:04 · 5 answers · asked by maz 1 in Careers & Employment

I dont care if it's illegal. don't say babysitting...don't say cashcrate....I don't know which offers to complete

2006-11-15 11:11:21 · 7 answers · asked by Black Metal 1 in Careers & Employment

if this happens are they compelled to give me another job in the school district that I've worked for, for almost 10 years.

2006-11-15 11:10:49 · 2 answers · asked by Richard O 1 in Careers & Employment

2006-11-15 11:09:58 · 4 answers · asked by Nee Nee 1 in Careers & Employment

how many years can creditor go after you for credit card bad in the State of Ohio

2006-11-15 11:09:50 · 3 answers · asked by MARY J 1 in Credit

Should I just quit the job that I hate (lol), and start with the insurance, or do the insurance on the side while i have this job then quit when i have clients built up?????

2006-11-15 11:07:53 · 7 answers · asked by Anonymous in Insurance

2006-11-15 11:07:41 · 2 answers · asked by Valerie H 1 in Renting & Real Estate

I just got a 6 year auto loan for $291 a month. Should I pay more than the $291 each month? I'm trying to build my credit rating up, but yet I don't want to pay on it for 6 years either. I know I'll be paying over $3000 in interest if I just make the basic payment for 6 years. That's a lot of money! I know people that just pay cash for cars, but when they do this...how do they even have a credit rating? Just need some finanical advice here!

2006-11-15 11:07:33 · 10 answers · asked by Anonymous in Credit

it's about to get quite busy? I work in an office for a really nice guy, and I've been here for about 8 months, but I HATE it. It's sucking the life out of me. I want to do an Arts diploma next year but I feel really bad about leaving because I think they've been under the impression that I'd stay there for years, and the time I would leave would be right at the beginning of the busiest time of the year. Am I worrying too much about this, should I just do the diploma and to hell with work?

2006-11-15 11:05:40 · 2 answers · asked by ? 5 in Careers & Employment

compare and contrast the assessing of a lending proposition by computer ( credit scoring ) with a manual assessment

2006-11-15 11:02:34 · 4 answers · asked by Caroline J 1 in Credit

I'm trying to help someone find a job but has a misdemeanor conviction on their record. Do any of you have any ideas. And please be real.

2006-11-15 11:02:15 · 9 answers · asked by misskashmere 2 in Careers & Employment

i was using my credit card to buy something online.. and then i made a stupid mistake..
where it says billing info. i put the wrong name in it..
but i had my address and credit number correct.
the shippin is suppose to arrive today.. and i had an email
that it was successful or w/e. is this gonna be a HUGE problem?
please help !! im so worried..

2006-11-15 10:58:55 · 5 answers · asked by Anonymous in Credit

2006-11-15 10:51:58 · 3 answers · asked by Anonymous in Credit

2006-11-15 10:51:22 · 5 answers · asked by kel s 1 in Investing

I live in florida and want to open a medical billing company. I needed website address or phone number where i can call to register the company. I apologize for the inconvience in advance. Any help would be appreciated.

thanks

2006-11-15 10:49:12 · 1 answers · asked by Faryal c 2 in Small Business

How can Wal-Mart utilize the growing human resources in the company as this largest retail chain stores has automated its all important functions of retailing?

2006-11-15 10:47:25 · 1 answers · asked by marlborosmokingteam 2 in Other - Business & Finance

I have a credit card but forgot the APR I'm paying on it. I want to call up and tell the creditor that I received an offer for another card but I need to know a realistic APR yet a good one to throw in there. Maybe they'll give me a better APR. Any good ideas?


Thanks!

2006-11-15 10:45:41 · 7 answers · asked by ThatDude 2 in Credit

i really need money.

2006-11-15 10:40:37 · 5 answers · asked by Black Metal 1 in Careers & Employment

Just got a new job, full time. They are paying me $12 per hour, and I get paid once a week, but if I work overtime, I dont get paid for it...AND....in 90 days they will move me to "salary" at the same rate of pay, BUT I then get paid once every 2 weeks......what is going on with this ? It sounds so "funny: im sure it is not against the law, but WTF ???? lol

2006-11-15 10:40:31 · 10 answers · asked by kimmy3 3 in Careers & Employment

I want to know what is consider a normal rate of return (%) on your 401k...and what is the best practice if you are young

2006-11-15 10:38:27 · 2 answers · asked by david 2 in Investing

I read your answer to a question about how to make a million in a years time. I found it very interesting please contact me 316-260-1111

2006-11-15 10:34:32 · 3 answers · asked by tom_nearhood 3 in Investing

She has always paid cash for the things she has purchased. She has no debt but can not get approved for an unsecured credit card. She is interested in buying a house but afraid she won't get approved for that either since she has no credit. Any suggestions?!

2006-11-15 10:34:05 · 10 answers · asked by blessedwife 2 in Personal Finance

2006-11-15 10:33:19 · 3 answers · asked by jj e 1 in Renting & Real Estate