Business & Finance - 30 November 2006

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2006-11-30 08:09:15 · 4 answers · asked by kenrich21trv 1 in Small Business

I am looking to rent an apartment in a city that I have never lived in before and I noticed many of the ads say Rent +utilities +escrow. What is escrow when you are renting?

2006-11-30 08:08:40 · 7 answers · asked by ecogeek4ever 6 in Renting & Real Estate

What can I do if the builder is incharge of home owners association (because sub-division is only 50% built) and discriminates me because of warranty disputes I have with hime. Association asked me to provide a plan for the Land Scaping in August, 2006, which I did. They never contacted me after that (My telephone company log show no missed calls or received call since August from their office, but when I enquired last week, they sent a letter disapproving the lanscaping saying the size of plants/trees put in is not as per their rules. They also said that they tried to contact me by phone which they did not (can be proved from log of their office phone and my home phone by the telephone company) and they had my address to send me a letter. When I called last week, office manager told me that she does not know why my land scaping was not approved (it is normally approved with 3 weeks) and said she will let me know after a meeting with project manager (who is an employee of the builder)

2006-11-30 08:06:37 · 3 answers · asked by Raj 1 in Other - Business & Finance

my friend made $50,000 in 2005 and over $100,000 in 2006 so far as an independent contractor (1099-misc). she did not file for 2005 income and believes she can get away with not paying as much as she owes for 2005 and will owe for 2006 by settleing with the IRS when and if they contact her. i want to give her some advice on this but do not want to scare her un-neededily. if she made this amount ($100,000) in 2006 so far i estimate she would owe almost $40,000 in taxes. she says she has $30,000 in savings but will get rid of it before the IRS contacts her and then will settle for a lesser amount. (maybe use the $ to buy a car, which she believes the IRS can't confiscate if it is her only means of transportation). is this true? why hasn't the IRS contacted her about the $50,000 she made last year (1099-MISC). any advice? thank you.

2006-11-30 08:05:53 · 8 answers · asked by john b 1 in United States

Ive worked for the same company for 15 months, they have recently taken on alot of new staff. I have just found out that some of them are getting much bigger saleries than me, for doing exactly the same job as me! Im very annoyed, are they allowed to do this?

2006-11-30 08:00:49 · 6 answers · asked by lucy 2 in Careers & Employment

I am a international student coming from Hong Kong. Currently I am studying at a university in Glasgow. I am also holding a student visa which means I am not allowed to receive public funds (i.e. loan). But at the moment I need to borrow money as an emergency but I know I am not entitled to borrow some money from the bank as they won't lend me due to government restrictions, so apart from it what else could I do?? Many thanks!! :)

2006-11-30 07:59:26 · 11 answers · asked by lauhy_amy 1 in Personal Finance

They said it was on "How I Met Your Mother" - just wanted to see if anyone has heard of anyone reviving this classic celebratory ritual...yeah, I know it's an important issue to be on here asking a question about.

2006-11-30 07:59:09 · 16 answers · asked by Devo 4 in Personal Finance

i am writing a cv for work experience and am confused whether they are to be written in 1st or 3rd person!

2006-11-30 07:58:26 · 1 answers · asked by Anonymous in Careers & Employment

u get tax saving now with a 401k, but pay taxes upon disbursement, later.
with roth ira, no tax relief now, but u dont have to pay taxes upon disbursement.

2006-11-30 07:55:16 · 8 answers · asked by Anonymous in Personal Finance

My current lease expires in February 2007. If my intent is not to renew for another year how far in advance do I have to let the rental office know?

2006-11-30 07:55:00 · 10 answers · asked by strawberriesilove 2 in Renting & Real Estate

Would it be better career-wise to get a Master's in International Conflict Resolution at an online school like American Military University, or get a graduate certificate at Georgetown University (on campus)?

2006-11-30 07:54:37 · 2 answers · asked by ty 3 in Careers & Employment

About a year ago, I opened a joint bank account and the co-applicant deposited a payroll check. Assuming the check was good, bills were sent out, but only to find out that the employer of the coapplicant couldn't support the amount nor payroll for a hand full of other employees. Several over draft fee's were applied to my account. So being the head of the account, I was then legally responsible for the amount of the co-applicants payroll check, in addtion to several over draft fees. I have tried, but cannot open an checking account with banks without comfermation that the co-applicant has assumed responsability, as he has claimed to have. He has also stress that the employer was addressed in court and that she was found not responsible for paying it back or redepositing it."so he says"and issue has not been resolved. I would rather pay a lawyer a , hopefully smaller amount, before taking responability.Should i go ahead and start to make payments or waite for a lawyer?

2006-11-30 07:51:53 · 4 answers · asked by natalie g 1 in Credit

Why is this and is it true? How much can you take out and how often of your own money without the Govt. getting involved. If the bank has a record why alert the Govt..seems like an invasion of privacy. I just wanted to take out a couple thousand for a trip...

2006-11-30 07:51:46 · 7 answers · asked by lizr 2 in Personal Finance

I bought a 3 unit building a year ago. The selling agent and seller signed off there were no alterations, permit problems, additions etc. After I bought I found out it is on title as 5 units. The agent is a contractor who did the conversion to 3 units and never got it inspected by the city (just pulled permits) Do I have a slam dunk lawsuit or is the resp. on me and my buying agent for not doing the research with the city or otherwise and the fact that we signed off on everything? What could the defense use as an argument?

2006-11-30 07:49:03 · 5 answers · asked by artguy90291 2 in Renting & Real Estate

2006-11-30 07:47:39 · 2 answers · asked by cruiseman111111 1 in Careers & Employment

2006-11-30 07:46:51 · 8 answers · asked by cruiseman111111 1 in Careers & Employment

I don't know much about ING direct, and was considering opening an account there. Does anybody know something about them? Any bad experiences? I was amazed how how much interest they can give compared to my Wells Fargo account.

2006-11-30 07:45:54 · 9 answers · asked by Anonymous in Personal Finance

i've got a visa and mc, but want to know what amex can do that those can't..

2006-11-30 07:43:41 · 7 answers · asked by sugarbaby 2 in Credit

i means yet with the countries that hate the communism! i think they have a key to make the deals.(not only cheap wages).are there better than the rest of the world today?

2006-11-30 07:43:18 · 4 answers · asked by ticoguana 3 in Other - Business & Finance

XLF is an exchange traded fund.
QQQQ is a unit investment trust.
BEP is a closed end fund.

2006-11-30 07:40:31 · 3 answers · asked by zxdfmlp 3 in Investing

Does it really pay off? I am a 45yr old female, happily married but with no job at the moment. I am getting into a rut and starting to feel really low. I need contact with people and am a good listener so I do class myself as a peoples person.
I have learned that it could lead to maybe something permanent, can anyone tell me if they have had any experience with this?

2006-11-30 07:31:49 · 9 answers · asked by bingolil 4 in Careers & Employment

I apply for a credit card from some of the dept. stores and I'm alway denial do to a bk I did 6 years ago, how long will they hold this against me, I know the bk stays on your credit for 10 years, but will it be 10 before I can get a store credit card, and how much does a bk and inquires lower your credit score???

2006-11-30 07:31:18 · 3 answers · asked by mel 1 in Credit

My brother and I are buying a house together in CA. Since he has a higher credit score, we are using only his name on the mortgage application but both our names will be on the home title. Am I still eligible to get tax write off (interest) or is he only able to do so? Thanks!

2006-11-30 07:29:08 · 7 answers · asked by sws 1 in United States

2006-11-30 07:29:07 · 11 answers · asked by Sherry A 1 in Other - Business & Finance

I got stuck with this one, I nedd to put a professional reference on my job application form but I can't think of any and is it like someone not related to you that introduced you , for example in my case, to american eagle outfitters

2006-11-30 07:25:55 · 4 answers · asked by Anonymous in Careers & Employment

Do you think that some jobs should only be for men? And should some jobs only be for women? Or should people be allowed to do any job their qualified for, no matter if they're male or female?

2006-11-30 07:23:37 · 14 answers · asked by Anonymous in Careers & Employment

http://www.nasdbondinfo.com/asp/bond_detail_results.asp?cusip=232946AB9

2006-11-30 07:19:29 · 2 answers · asked by ben_ev0lent 1 in Investing

I wanted to know what is the difference between CNA and LPN

2006-11-30 07:19:16 · 0 answers · asked by Laurita y Marcial 1 in Careers & Employment

Here is the scenario:

A couple wants to buy a house. They do not have 5% to put down (expensive housing market). His credit is poor (in the 500's) but he makes well-above average income and his only debt is his vehicle (bad money management in the past). Her credit is good, but her income is just average and she still has a good amount of debt (college loans, credit cards, vehicle).

When applying for a mortgage, would it be better to use the combined income ($100K+ per year) even though it would pull his low credit score, or is the credit score so important that they should try to just get the mortgage on her alone, even though she has a high debt to income ratio?

Will most companies agree to run both scenarios to see what the better deal is?

2006-11-30 07:16:39 · 8 answers · asked by duritzgirl4 5 in Renting & Real Estate

is it worth while, and is the profit margin good??

2006-11-30 07:13:54 · 3 answers · asked by maty 1 in Careers & Employment