Business & Finance - 18 June 2007

the phone company has sold this debt to an collection agency .We have had service with the same company and no attempt to collect has been made in 9 years. The phone company and the collection agency both have our address and threaten to report to credit agencies

2007-06-18 13:28:50 · 6 answers · asked by RICK E 2 in Credit

Okay so my husband and I fell in love with this beautiful home that was foreclosed. The previous owners put a ton of work into it and ended up losing the house. My biggest fear is that if we buy it, the old owners are going to come back and do something to it or us. Okay maybe I'm a little paranoid, but does this kind of thing happen???

2007-06-18 13:08:00 · 8 answers · asked by Anonymous in Renting & Real Estate

I`m planning to use my first house as rental property and use my next purchase as a primary residence, how can that mortgage affect my next purchase.....

2007-06-18 13:04:58 · 6 answers · asked by Sailing Man 1 in Renting & Real Estate

HI..I am basically in the market for a mortage..
looking for 153 grand loan, 30 year fixed..about a 6. something rate,..make 32 grand..credit score of 791/able to afford 1200 monthly sorta mortage payment..don't want to put lil if anytihng on a downpayment
the problem I'm running into is the lender either has all these fees and a lower rate or a higher rate and no extra "fees".
I wasn't expecting a 5 percent rate..but this guy at usbank offered me a plan with 2 rates..6.6 for the first..7.6?? for the rest??
..it isn't like I am dirt poor or have bad credit..
what do you think is a good rate for someone in my situation..
is there a good mortage lender that has a no down payment 30 yr fixed mortage lower interest rate and no fees out there..or am I dreaming

sure I know this isn't a perfect world..but it feels like I'm swimming with the sharks
I'm in the Kc.mo area if this helps

2007-06-18 13:03:04 · 7 answers · asked by Anonymous in Renting & Real Estate

I was approved for a home loan for $420k. I found an older home for $370K. Can I use some of the money to remodel the house? or do I have to take another personal loan?

2007-06-18 13:00:01 · 2 answers · asked by lonely1 2 in Renting & Real Estate

Our realtor has shown our house one time in the last month! I know the market is low right now, but when do I draw the line?

2007-06-18 12:56:13 · 10 answers · asked by itchlbfs 2 in Renting & Real Estate

They are four houses, two in Oakland CA, and two in San Francisco CA.
Lower middle class neighborhoods.
All rented.
Plus, my Dad has given me plenty of money over the years, so I owe him.
How much should he pay me a month? He's offering me a hundred dollars a month. Is that too little?
Don't forget this is California - Everything's more expensive here.

2007-06-18 12:50:42 · 9 answers · asked by Soundjata 5 in Renting & Real Estate

Hey Guys!

I'm Alex, and really need your advice on this subject. I currently have a Capital One Visa credit card, but seriously thinking about canceling it because I've heard so much BS about that company. That they don't report the right information to the bureaus, and will most likely end up hurting your overall score. Should I ditch them and get a credit card with my bank which is Banner Bank Visa? Would that be a better idea than to stay with these cynical *** holes? What are advantages of owning a Banner bank credit card, is this a good movie? Can I have all your honest opinion's please...no smart remarks. I know that canceling a credit card ruins your score, but what's the point staying with Capital One my score is already ruined right? I want to develop a good rating score for when I need a personal loan/auto loan or whatever it maybe.



Thanks in advance.
Alex

2007-06-18 12:46:06 · 13 answers · asked by money mike 3 in Credit

I have always been responsible with money. I have a good amt of emergency savings, an excellent credit score, and started investing for retirement and long-term goals like a home. My fiance on the other hand does not. He does not make very much money and has quite a bit of debt, he claims he cannot open a retirement account yet since he does not make enough and he is 6 years older than I am. He pays high interest on his debt and has no money for investing in our future. I am concerned that we might someday have problems with money, even though we are okay now. However I know once kids enter the picture things may change. When I try to talk to him about it things can get heated because he says he is doing everything he can and feels put down when I lecture him about money. I don't have a problem being the main supporter of the family, I just don't want him or us to be in a bad situation down the road. Are there any suggestions to get him to begin investing or any books on this subject?

2007-06-18 12:42:22 · 4 answers · asked by Snarf 3 in Personal Finance

They are 1982 series drawn on banco Central De Bolivia

2007-06-18 12:38:01 · 4 answers · asked by Anonymous in Other - Business & Finance

Our realtor has argued with us about our selling price since day 1; our house is now listed 30 days. We should've excused her from helping us, but she's a family friend. She goes on and on about our house smelling like dog. It can't since we bath them weekly, and we're serious clean freaks. Plus, we've had no complaints of smell from the 7 buyers who've seen our house! She admitted only AFTER signing as our realtor that she's not familiar with selling in our subdivision and has never sold homes within it. OMG! She's "pushing" us to drop the price and we've told her we're in no hurry to sell. Her price suggestion is so low we should stick a sign in our yard saying "FREE, first come, first serve"! We live in Central Texas and want to know if anyone has ideas. Can we get out of her contract? I don't want her getting a dime from us.

2007-06-18 12:37:42 · 7 answers · asked by simonjbcmm 2 in Renting & Real Estate

He then told her that he and his wife were looking for a single famiy to rent out his 2 bedroom 1 car garage home for $800 a month. She then later at our apartment gave us the news since we lived in a 1050 sq ft apartment which we pay almost a $1,000 a month broke the news to us and we were excited about moving in! Since we are going to be able to save couple hundred bucks more a month we said " why not!.. We always wanted to rent a house instead of an apartment with units. When we can rent a home that has a yard and garage!" So we meet this guy and we introduced ourselves and also showed us the home. It's about 1092 sq which was a little larger than our apartment. He said that he needed it to be moved in no later than a month and so we did. It's been 3 months being a tenant and he now tells us the house is foreclosing. And for the past 3 months we've been having issues with our landlord. He also one time let his self in the house without giving notice!! Please help us??....

2007-06-18 12:34:29 · 3 answers · asked by jimson n 1 in Renting & Real Estate

2007-06-18 12:34:26 · 1 answers · asked by Anonymous in Corporations

We are not yet at paid advertising phase. We are a free online service and we want people to benefit from our service but just don't know how to gain trust and members.

2007-06-18 12:28:27 · 4 answers · asked by Anonymous in Other - Advertising & Marketing

I never have any questions to ask at the time of an interview because it seems all the ones I think of are already answered. I am interviewing with a employment agency and this is my first time working with one. Can anyone give me any questions to ask? or important things I should ask. My Rundown:

I am a recent college graduate with a BA in Communications

I am looking for work as an admin. assistant or Perferably Human Resources.

How do these agencies work and how should I conduct my self at the interview? Please help with sincere answers! Thank you in advance!

2007-06-18 12:28:12 · 5 answers · asked by from_me_to_you 3 in Other - Careers & Employment

What are the basics I need to know in order to operate? Is this a good start up bussiness for someone learning to be self-employed? What are some things that are not obvious about this?

The other thing is I want to employ local artists from my local high schools to design the patterns on my t-shirts. What legal issues do I need to know about if I plan to do this?

2007-06-18 12:26:25 · 5 answers · asked by gotagetaweigh 4 in Small Business

2007-06-18 12:19:58 · 9 answers · asked by sandpiper 2 in Personal Finance

Like i said i would like to know how do i go where about of opening up a cleaning business..i would like to start a business
cleaning people homes..but i have no idea of where to start.
can someone give me any leads please.Thanks!

2007-06-18 12:13:11 · 3 answers · asked by annie_lee 1 in Small Business

i went to a job interview last week. it was good , and the manager said to me that they will open more branches for his company after 3 months he said ""give me call before that""

So.now when should i call him and what should i say in that phone call?????

and by the way, i forgot to send a" thank u " message through the e-mail after the interview... is it ok to send it now but the interview was last week...
pleeeeeeeeeeease help......

2007-06-18 12:10:36 · 6 answers · asked by jewel 3 in Other - Careers & Employment

am 15 years old and live in miami what can i do or invest in so by a certin age i can have a good deal of money please be detailed on what and how to invest in whatever your telling me to do. please give ideas

2007-06-18 12:09:52 · 11 answers · asked by Anonymous in Other - Business & Finance

2007-06-18 12:08:42 · 5 answers · asked by Anonymous in Renting & Real Estate

I didnt have any insurance and the gunshot wound in my hand was serious, so I had to go the emergency room.

2007-06-18 12:04:36 · 7 answers · asked by Jay-boogie 1 in Insurance

they are 1982 series drawn on Banco Central De Bolivia

2007-06-18 12:03:10 · 3 answers · asked by Anonymous in Other - Business & Finance

hello, I wanted to give him some advice. he broke the lease in the apt due to constant mold problems and his asthma/allergies. Iknow he has to pay something but now they told him he owes them 2400.00 he made sure the apt was **** and span and he even vacuumed before he left. he took pictures of the apt. now they say he left it in a mess and is charging him for carpet and repairs etc. they are trying to make him sign a paper staing he will pay 180.00 per month I don't know what his options are since i'm not from houston orig. everything is new to me too. he doesn't want them to put it on his credit report. they keep threatening him

2007-06-18 12:00:39 · 9 answers · asked by jboufe 2 in Renting & Real Estate

Here In MN we only have one main hooters estaraunt, maybe 2 in the Twin city's But now with the growth of Rochester, MN in the SE corner of the state, and the growth of the U of M coming to Rochester to work with higher education with Medical with Mayo Clinic, to grow, and all the College kids and farm boys nearby, What do you think Will Hooters Restaraunt and the Girls there be successful here in Rochester, or not? The nearest one is over 80 miles away at least.
my personal thoughts are that it will do very well, as guys wll like the views, lol
Feedback needed for my Editorial to the city paper?

2007-06-18 11:59:00 · 3 answers · asked by kjokergo11 3 in Corporations

Can someone who has done it, advise me on a good firm and what it takes to start the most basic of IRA's.

My Husband And I have no retirement and I just need a good starting point and I'm told for my station in life an IRA is the way to go.

Our gross income is 93,000 a year.

2007-06-18 11:54:40 · 7 answers · asked by rabidkitty 7 in Investing

2007-06-18 11:50:19 · 5 answers · asked by drj_pb 1 in United States

2007-06-18 11:48:52 · 5 answers · asked by DAVE S 1 in Credit

I have never lived in a home before and I am just curious

2007-06-18 11:48:21 · 7 answers · asked by Anonymous in Renting & Real Estate

I am dissatisfied with my job duties, the commute, etc. and would very much like to switch to another job; however considering that employers don't consider a job resume-worthy in the long run until you hit the 6 month- or 1 year-mark, should I stay or go? It's almost three months now, and I have it on my resume temporarily, for job-seeking. However, I won't be able to credit it to myself if I quit now in the long run, right? Plus, wouldn't it be bad for my employment record or would it be "nothing"?

2007-06-18 11:41:46 · 4 answers · asked by GoldPenny 2 in Other - Careers & Employment