Business & Finance - 23 November 2006

Once I can afford to, If I opt for lower payments now via Citizens Advice Bureau, because of a change of circumstances, ie, I don't have enough cash due to change of circumstances, to pay right now?

2006-11-23 08:59:10 · 5 answers · asked by helloha06 1 in Personal Finance

2006-11-23 08:57:05 · 1 answers · asked by sheila n chris 1 in Careers & Employment

I've just had a meeting with my bank's financial advisor about personal pension - who have recommended Standard Life as his choice. I know that the bank only has 6 or 7 pension companies to choose from (all big names incl. Norwich Union, Stanard Life, Prudential, Legal&General, Friends Providence, AXA) but i'm quite happy with going with the big companies.

My question is - is pension really the best way to save for my retirement? I have my own Savings account with high interest as well as ISA but wanted something a bit more long term for the REAL future i.e. retirment. If it is, I can then really take his recommendation but if there is other alternatives then I would like to know.

Retirement == 65 years for most people so I'm going with that. Also note that I know if my employer contributes, then obvosuly that is the bet choice however they do not.

Note, answers that apply in UK only please

2006-11-23 08:48:49 · 10 answers · asked by Anonymous in Personal Finance

How did you get started? books? classes? seminars? internet?

2006-11-23 08:44:55 · 6 answers · asked by Travis F 1 in Investing

Is money obtained from a "Transfer on Death" brokerage account subject to Ohio estate tax if the deceased resided in Ohio? What if the recipient resides in another state?

2006-11-23 08:44:08 · 2 answers · asked by Anonymous in United States

2006-11-23 08:43:11 · 3 answers · asked by 8 3 in Investing

2006-11-23 08:34:59 · 3 answers · asked by BRENDAN K 1 in Insurance

where can i get a christmas job? i have been looking for job ever since i came to england.
a job at central london would be greatful as it will be easier for me to commute to where iam.
if anyone hears or know anything please tell me iam desperate.
thanks

2006-11-23 08:29:23 · 5 answers · asked by Anonymous in Careers & Employment

hi, can anyone suggest a name for a placement agency dealing with call centres (technical and customer support, collections, sales...), i will be starting one shortly and so far have 'squad' and jigsaw on the list
i prefer jigsaw cause i can have a logo showing an incomplete jigsaw puzzle and a hand with the finishing piece (as if it were fitting it in) cause the company would be dealing with fitting people in companies
tell me how you weel about the idea and please put forward suggestions

your help will be appreciated

2006-11-23 08:27:53 · 2 answers · asked by scatterbrain 2 in Small Business

Me and My partner are going through the process of buying our 1st house. How much roughly does everything cost? Solicitors, building surver etc. We've got £10,000 and thats including £8,000 as a 5% deposit. Do we need more?

2006-11-23 08:24:05 · 5 answers · asked by bluenickynick 2 in Renting & Real Estate

I just started a Seasonal job at Target yesterday, as a cashier. (i'm 16.) I feel really stupid, I thought seasonal meant "part time" because during the interview they asked me whether I would like to work seasonal or permanent. (this is my first job, so I wasn't sure) I want to continue working past the holiday season, should I wait a few weeks to tell them I'm avaliable after the season, so that they will know how good of a worker I am, or is it better to bring it up as soon as possible?

Thanks!

2006-11-23 08:23:08 · 2 answers · asked by Elle 1 in Careers & Employment

2006-11-23 07:59:55 · 3 answers · asked by promiseitsnot_me 1 in Credit

The only thing that the IRS has not yet taxed is the male penis. This is due to the fact that 40% of the time it is hanging around unemlpoyed, 30% of the time it is hard up, 20% of the time it is pissed off and 10% of the time it is in the hole. On top of that, it has two dependents and they are both nuts.

Effective January 1st, 2004 your penis will be taxed according to size. The brackets are as follows:

10"- 12" Luxury Tax..........$30.00
8"- 10" Pole Tax.............$25.00
5"- 8" Privilege Tax.........$15.00
4"- 5" Nuisance Tax..........$3.00

Males exceeding 12" must file under capital gains. Anyone under 4" is eligible for a refund. PLEASE DO NOT ASK FOR AN EXTENSION!!!

Sincerely, Pecker Checker IRS

*****NOTE*****

We are still waiting for answers for the following questions:

- Are there penalties for early withdrawals? - What if one's penis is self employed? - Do multiple partners count as a corporation? - Are condoms a deductible expense as work clothes? - Is there an additional tax if you are not circumcised?

2006-11-23 07:50:53 · 3 answers · asked by Anonymous in United States

I've read some articles on the web about how people get turned down for jobs (or lose their jobs) because of finding certain things on the myspace or other profiles of a candidate / employee. For example, finding out things that make the candidate or employee seem immature in some way.

So...my question is...

What if you have a myspace or some other social networking profile, and you keep it clean (image and text-wise)...will employers not be bothered by it? Or is it partly that having a profile on a social networking site is just generally looked down on?

2006-11-23 07:50:34 · 3 answers · asked by cassicad75 3 in Careers & Employment

hi everybody on yahoo answers!

I need your help
Iam contemplating on leaving college for a full time job...i don't get any money at the moment but college bursary is giving me £200 a month.
But if i got a job i would get more money to support myself but i also like my course but it isnt helping me finacially.

Iam menatlly stuck could anyone try and unboggle my brain? xxxx

2006-11-23 07:50:30 · 9 answers · asked by Anonymous in Careers & Employment

I have a sect 8 family that had a year contract which has been up for a few months. I need to teminate the tenants and get new ones (need more rent, they are damaging the property etc) I called HUD and they say I give them a 90 day notice to move. 90 days is way longer than I want as I am afraid they will destroy the place. Can I legally get them out sooner and if so, how. It is in Long Beach Calif.

2006-11-23 07:47:16 · 6 answers · asked by artguy90291 2 in Renting & Real Estate

Licensing.
Consumer affairs e.t.c

2006-11-23 07:46:31 · 1 answers · asked by curious 1 in Other - Business & Finance

2006-11-23 07:42:27 · 2 answers · asked by ducktaper@sbcglobal.net 1 in Other - Business & Finance

2006-11-23 07:40:55 · 2 answers · asked by Anonymous in Careers & Employment

I have a plan to develop a multi-billion dollar corporation so that I may redirect its resources to eliminate povery, raise living standard of developing countries, and create a better world. My plan is developed, and received appraisal from a consulting firm. I even have all the necessary documents developed, but I don't know where to go to find funding, or who will provide funding for the plan. Any ideas?

2006-11-23 07:29:21 · 4 answers · asked by David H 1 in Corporations

I know this is not the right blog for saying this, but what da hell --- HAPPY THANKSGIVING TO YOU ALL !!!!

2006-11-23 07:27:38 · 3 answers · asked by a9113257311 3 in Credit

My bank is offering me a pre-approved LOC; the rate is 2% above Prime (6% I think). The rate will always stay the same. I know I will have to pay it back, similar to a loan. I have a balance on my credit cards at this time. Is it a good idea?

2006-11-23 07:19:53 · 3 answers · asked by AJA 1 in Credit

I am new to the UK. In Japan, few people buy home content insurance because home contents are normally not valuable. It seems to me most people here buy home content insurance. It sounds not attractive a)the premium b)the high excess. What is your view?

2006-11-23 07:14:49 · 16 answers · asked by Beckham 2 in Insurance

First off, will I wake up in the morning wanting to go to work, because thats important. second of all, im not very good with math, so how much math will I need (also, what exactly is statistics). The third thing is that if I get a job, will I live a happy life. Meaning will I make enough money to have a nice car and house, and will i be able to go on vacations at least once a year.

2006-11-23 07:07:47 · 2 answers · asked by Anonymous in Careers & Employment

Scenario:
1. I have a $6000 stock loss that I'm never going to recover. I'm ready to sell.
2. I have a mutual fund that has long-term gains. It will cost me 1% redemption fee to sell.

What is the better option and why?
1. Deduct the $6000 ($3000 at a time) from my income in successive tax years. I'm in 28% tax bracket. CA State Tax 9.25%. (I'm not smart enough to figure the math on this.)

2. Sell $33,000 of the mutual fund shares (this will generate $6000 long-term gain). Pay the redemption fee of $330. Use the $6000 gain to offset the loss. Reinvest the $6000 in another mutual fund.

2006-11-23 07:05:32 · 3 answers · asked by Anonymous in United States

She signed a quit claim when she started working out of the home. Now they are getting a divorce. She has moved out with their daughter, but now wants him to leave so she can move back in. Is this allowed?

2006-11-23 07:05:05 · 9 answers · asked by snooker 1 in Renting & Real Estate

my master card debit keeps being rejected when signing up for subscription, i want to use it as debit and i can't get any answers why my debit won't work

2006-11-23 06:59:50 · 3 answers · asked by Nancy H 1 in Credit

2006-11-23 06:57:34 · 10 answers · asked by Anonymous in Personal Finance

I'm currently selling to my local shop at 35p per pint. Is this reasonable?

2006-11-23 06:51:51 · 13 answers · asked by R Stoofaloh 4 in Small Business

I got a phone call from a well known charity a few weeks ago, asking if they can send me some raffle tickets to sell. Being charitable, i agreed. No tickets arrived, then last night i got a phone call from a well spoken guy, who asked me to send the tickets and money back. I told him no tickets arrived, so he asked for a donation, and wanted my credit card details. I declined to give them out on the phone, so he asked me to send a cheque. The address is a PO Box, and he asked me to put my name and address on the back of the cheque, i think it sounds dodgy. I am not going to send a cheque, do you think this sounds a bit dodgy?

2006-11-23 06:51:51 · 36 answers · asked by Anonymous in Other - Business & Finance