Business & Finance - 23 November 2006

i have a personal loan and the payments are starting to cripple me but i am still paying them... havent missed a single one... i have made an appointment to see an advisor to see if i can skip a payment over xmas and or lower the payments in the long run by spreading the loan a little further and not paying insurance on it. do u think this may be possible? is this my best option? is there anything else i can do to help the situation?

2006-11-23 06:50:16 · 9 answers · asked by lilbex87 2 in Credit

2006-11-23 06:45:33 · 5 answers · asked by Joseph D 1 in United States

Basically I am wanting to get a RCA 52 inch tv for $474.00 and was wondering if I am the first in line (as i plan to go to my walk-mart at 10 to wait) will they give me a ticket to get the product or will i have to run throughout the store and try to find it which I will desperately hate just because I may look in the wrong place and when I did find it I would be screwed as they would prob be all sold out.

Thanks

2006-11-23 06:43:01 · 12 answers · asked by gower2352 2 in Corporations

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2006-11-23 06:41:10 · 1 answers · asked by koti g 1 in Careers & Employment

Im looking forward in being one, but i just dont want to work on weekends and in the nights because of religious beliefs. On Saturdays, Sundays, Tuesdays, And Thursdays i have to go to my church. THis is in the night from 7-9 pm on tuesday and thursday. on saturdays and sundays i have to go at 10 AM-12 PM . So my question is, do they all have to work on weekends and nights. Whats the chance that im going to be working at those times. Thanks and 10 ptz

2006-11-23 06:40:07 · 6 answers · asked by Irene 1 in Careers & Employment

http://news.bbc.co.uk/1/hi/business/6172088.stm
House prices 'set for slowdown'

UK property wealth has tripled in the past 10 years
The UK's rampant house price inflation is likely to slow down dramatically in the next year or two, according to a former government economic adviser.
The prediction comes from David Miles, the Morgan Stanley chief UK economist.

House prices have risen more than twice as fast as general inflation in the past 10 years.

But Mr Miles, a former government adviser on the mortgage market, says house prices will soon slow down so much they lag behind general inflation.

We are likely to have significant falls in real house prices once those expectations come down, but... the timing is very hard to fathom

David Miles, Morgan Stanley


Housing market: facts
Why are house prices high?
First-time buyer woes

However, Mr Miles cautions that predicting exactly when prices may fall is extremely difficult.

"A substantial fall in real house prices is likely at some point in the relatively near future, though it could yet be one or two years away," he warned.

Three years ago, Mr Miles wrote a review of the UK mortgage market for Chancellor Gordon Brown.

Coming bust?

This latest report, entitled UK Housing: How did we get here, is the latest prediction that the current house price boom will come to an end some time soon.


Earlier this month, accountancy firm PricewaterhouseCoopers predicted there was a one-in-three chance of UK house prices falling by 2010.

And last week, the Financial Services Authority (FSA) warned banks to make sure they could survive if house prices fell by as much as 40%.

This year, however, prices have started to accelerate again and are now running about 8% higher than a year ago.

Recent figures from the Land Registry revealed that the average property in England & Wales now costs more than £200,000.

Speculative expectations

In absolute terms, UK house prices have almost tripled in the past decade, but compared with the rise in prices generally, "real" house prices have roughly doubled - up by 112%.

Mr Miles says the single biggest factor driving up house prices in the past decade has been the expectation of buyers that prices will keep on rising.

As well as speculative expectations, the main factors pinpointed by Mr Miles are the rise in people's incomes, the rapid growth of the population and the cheap cost of borrowing due to low interest rates.

Of these, he says the expectation that prices will keep on rising by about 10% every year has accounted for between one-third and half of the excessive rise in prices seen in the past 10 years.

"We are likely to have significant falls in real house prices once those expectations come down," he warns.

"But our simulations suggest the timing is very hard to fathom."

2006-11-23 06:36:03 · 4 answers · asked by Steven P 1 in Renting & Real Estate

I'm 55, on disability, we rent. this would deplete my IRA accts (various mutual funds & some lame stocks) to only neg yeilds at this time. should we bite the bullet (ie ints as high as 30%) and pay-off as much ea/mo as we can, OR pay the one time penalty (I don't know how much that would be) and pay off all debts above a certain % rate, OR ??? Thanks, in advance, for any ideas, opinions, help---consolations ;D

2006-11-23 06:34:01 · 2 answers · asked by Clycs 4 in Personal Finance

2006-11-23 06:32:30 · 2 answers · asked by Diaper Delivery Services 3 in Other - Business & Finance

I lent my friend 80 quid, she told me she would give me it back in a week, this is now a week later and she has been avoiding my texts as we live in different parts of the country, i bank transfered the money to her mums account so i was maybe thinking if she doesnt give me it back tom then report it to the police and they can use the bank details to contact her mum and get it back that way. anyone got any ideas?i really thought i would get it back we have been friends for 10 years and i didn't think she would do this.

2006-11-23 06:29:17 · 19 answers · asked by Anonymous in Personal Finance

I am wondering exactly what a credit default is. Would I get one for paying my credit card bill a few days late?

2006-11-23 06:28:39 · 7 answers · asked by Anonymous in Credit

actually i am going to launch a marketing oompany,for that,i choose these 2 names.your opinion is welcome.any other name also welcome.i will be really gratefull for your ans:plz

2006-11-23 06:22:32 · 3 answers · asked by so_sweet_boy86 2 in Search Engine Optimization

I would like to invest in real estate. I am early 40's, have no debt, home is paid for, etc. I would like to look into buying real estate. I have spent alot of time looking at the local market and have a good understanding of it. But, at this point, I am not sure what to do next. Should I consider purchasing rental property? If so, should I look at small 2 BR homes, duplexes, or homes? Or should I just look for property that has been sitting on the market for a long time that may need some TLC, etc and then flip them? I have never done that and don't really have alot of time to spend remodeling so I would have to hire out.
And, the area I live in is a rural , somewhat depressed area. What is your approach to Real Estate?

2006-11-23 06:18:45 · 5 answers · asked by Anonymous in Renting & Real Estate

2006-11-23 06:17:54 · 7 answers · asked by hasanak_m20 1 in Corporations

2006-11-23 06:14:56 · 2 answers · asked by raptor071 2 in Careers & Employment

Do you enjoy working during the holidays? I don't work during the holidays anymore because I work in the office now. Do you think it's wrong for some people to work during the holidays?

2006-11-23 06:12:22 · 8 answers · asked by April Ann Codon Cruz 2 in Careers & Employment

2006-11-23 06:10:57 · 16 answers · asked by Anonymous in Investing

can children or teenagers get a ob in the library to set up books and put them in the right place?

2006-11-23 06:08:27 · 4 answers · asked by ♥.♦.Invisible.♦.♥ 2 in Careers & Employment

I've found a million sites but they all wanta credit card number and I don't want to go through the hastle of canceling the damn thing nor do I care to give them my credit card info. I know by law the agencies have to give u a free report annually but how do u get it without signing up? Is there anywhere online where you don't ahve to sign up for anything to get your report? If not will the bank give it to me?

2006-11-23 06:05:14 · 5 answers · asked by Isuzu Myabea 1 in Credit

2006-11-23 05:58:53 · 7 answers · asked by jonquilblack 4 in United Kingdom

2006-11-23 05:57:46 · 6 answers · asked by Nia D 1 in Other - Business & Finance

i want to invent something, but i do not know where to go or what professional business site to go to make it without my ideas being stolen. please help! thank you!

2006-11-23 05:55:54 · 2 answers · asked by Cat 2 in Small Business

Hi! I need a history of Coca-cola profits...
Financial statements on the company, on the actual Coca-Cola drink etc Anything that has a lot of historical (ie not just the last year of 4 fiscal quarters) will do...
School Project.
Any advice?

2006-11-23 05:55:21 · 4 answers · asked by Anonymous in Corporations

NEED TO FIX CREDIT!!

2006-11-23 05:54:01 · 7 answers · asked by blitzyditz 2 in Credit

2006-11-23 05:44:38 · 9 answers · asked by yumna 1 in Credit

2006-11-23 05:37:31 · 9 answers · asked by forshimon 1 in Careers & Employment

If my employer was using software to spy on my computer doings, how could I tell? I am not doing anything other than occasionally looking at my personal email, but I justify that by figuring that I'm not taking 10-minute breaks every hour to go out and burn a cancer stick by the dumpster like many of my workmates....

2006-11-23 05:35:03 · 8 answers · asked by OK yeah well whatever 4 in Careers & Employment

okay, so i'm a 14 year old boy, and my 11 year old brother and i are wondering what we should name our " business" what we do is, we
1. clear driveways of snow
2. clear yards of leaves
3. mow lawns

we live in a city named thornton
please help!!!

2006-11-23 05:33:50 · 6 answers · asked by danmcg129 2 in Small Business

2006-11-23 05:31:02 · 5 answers · asked by nanak s 1 in Careers & Employment

they are handing out "tickets" @ 4am which allows access 2 the products on the front page of their 'Day after thxgiving' ad.

2006-11-23 05:22:56 · 2 answers · asked by Missy 1 in Other - Business & Finance

2006-11-23 05:07:15 · 8 answers · asked by jeht_black1 3 in Credit