Business & Finance - 23 June 2007

Don't waste your time or mine by answering with "borrow from family" or "go to your bank", etc.

I have a few ideas for businesses that I would like to start, but it seems like every avenue I explore to borrow money turns out to be a dead end. Forget about borrowing from banks and family. What are some less than common borrowing methods I can consider? I checked with the SBA, they no longer lend money, and the only grants they can assist you in getting seem to be for environmental causes. I checked into numerous venture capital companies, but they all seem to be interested only in information technology ventures. I've considered forming a private corporation and selling stock in it to private investors, but I don't know if I'd be able to find enough investors. Also, I'm afraid I'd the investors would be breathing down my neck all the time and trying to tell me how to run the corporation. Anyone have any worthwhile thoughts on all of this?

2007-06-23 07:02:32 · 2 answers · asked by JB 1 in Personal Finance

i owe a credit card debt. i spoke to the lawyer in charge and we set up an agreement for me to pay it. he said i had to give him my checking account routing number and he would take fifty dollars a month out for this bill. i agreed. now he is taking me to court. i did everything he asked and ium afraid he will take the remainder which is 1000 straight out of my checking account , of which i share with my elderly mom. im more than willing to pay this bill. I just am afraid they will take everything out of my checking account and my mom wont have her socail security money. what can i do if anything?

2007-06-23 07:02:02 · 9 answers · asked by ? 3 in Personal Finance

i agreed to it because i thought it was temporary. when it became apparent that he was going to keep me for awhile, i asked that he put me on the payroll, but he refused. then he cut my hours and i'm sure is about to fire me.

2007-06-23 07:01:10 · 10 answers · asked by gypsy50309 6 in Other - Careers & Employment

2007-06-23 06:59:39 · 2 answers · asked by Moose 6 in Other - Business & Finance

If I buy a business – having been paid in retrospect a full manager's wage (plus percentage of profits) thus assuming full legal responsibility for the business and its earnings from the time the business started - am I also legally responsible for tax violations?

(I am writing a short story for my class)

2007-06-23 06:59:28 · 4 answers · asked by SimonS 1 in United States

I do not make enough money to pay off all my debts in one -two years. In total, my credit card debt is $4,400. I rent, and have no savings except for my 401K.

Would it be smart to borrow from my 401K?

2007-06-23 06:52:25 · 7 answers · asked by Rosseau 2 in Personal Finance

I have been living with my (now ex) boyfriend for 2 1/2 years. We have a lease together for a house and we live in Texas. We broke up a month ago and now he says I have to move out. He is the primary lease holder but I am on there as a tenant. He says he doesn't need my signature to make me leave. I read the Texas eviction laws but I'm still a little confused. Just because we broke up doesn't mean he has the right to kick me out does it? He has threatened to change the locks on our house so I can't get it. This is all total bullshit right? Anyone with legal knowledge please help me! I can't afford to live on my own yet.

2007-06-23 06:51:33 · 3 answers · asked by ? 3 in Renting & Real Estate

2007-06-23 06:37:02 · 1 answers · asked by yang yang 1 in United States

I would like to enter the career of being an Oyster Shucker. I was watching Dirty Jobs the other night and did some math and this is a very lucrative career to get into. My questions are:

-Where areoysters boats being docked across the US?
-What are the requirements of becoming an Oyster Shucker?
-What are the pros and cons of it?
-Are there are any independent or major corporations that employe Oyster Shuckers?
-Are there any websites out there with any other information?

2007-06-23 06:36:40 · 2 answers · asked by kellzz 1 in Food Service

Right, my bill says the money will be taken out of my account on or after 2nd July. What happenes if the money isn't in on the 2nd?? Say if the money goes into my account for 3rd, will they take it then or will my bank charge me??

I'm a bit new to direct debits, and previously the money has always been in my account for the date shown.

Thanks is advance for your help!!

2007-06-23 06:36:22 · 12 answers · asked by Candy 2 in Credit

Does anyone know of any cases where an employee is to be made redundant, but has found alternative employment before being served their redundancy notice and therefore not received payment.

Any weblinks would be appreciated

2007-06-23 06:34:23 · 7 answers · asked by inselleckwetrust 2 in Other - Careers & Employment

2007-06-23 06:33:26 · 3 answers · asked by yang yang 1 in United States

My real estate agent has handled the sale of my house very badly from the beginning. Closing has been postponed several time by him already. The buyer was unable to get the finance needed once and there have been several other issues (just basically not being upfront and honest). I do not feel comfortable signing with this buyer or agent. What are the options I have? I do know that I do not have to sell my house if I don't want to. Appreciated much.

2007-06-23 06:31:57 · 8 answers · asked by whitejd43 2 in Renting & Real Estate

I have no ideal how they found out, because I haven't even mention it to anyone. My boss found out I was looking for another job and decided to pass it on to the owner. They both came in one night when I was working and asked me if I was plainning on leaving and if so they accept my resignation and I don't have to give a two weeks notice. (Meaning I can leave right now!) A.) I haven't even received an interview or offer yet for anyone else. B.) Shouldn't they at least wait until I tell them I'm leaving. C.) Although they now know this little secret of mine do they have the right to bascially fire me on the spot.

2007-06-23 06:26:02 · 11 answers · asked by vikkmathis 1 in United States

2007-06-23 06:25:56 · 1 answers · asked by Anonymous in Small Business

DUMB MOVE! I put boyfds name on the title of my home. I thought that we had a future. However, the loan is in MY NAME, and his name is NOT located on any of this particular property information. Now he says, he is leaving his name on it because I owe him all this money, including the gifts he gave me.. What recourse do I have, if any? My mortgage company gave him a hard time, EVERYTIME I gave him the money to make the payment. I also make ALL the payments. And he also NEVER resided in MY home. I don't know what to do. Any suggestions? I live in Missouri, if that matters

2007-06-23 06:24:13 · 4 answers · asked by denise b 1 in Renting & Real Estate

I'm a lil confused on how the whole tax thing works when dealing with stock gains. Suppose I buy 100 shares at $5/share....then sell it at $6/share......so now I made $100. But what if I now put all that $600 into another stock? Will I still have to pay taxes on that $100 I made?

2007-06-23 06:21:44 · 8 answers · asked by h-nizzle 2 in Investing

hi i have recently bought a model site in which models of any shape and size including pets register, then agents look for models they are interested in, i have got agents to look but have little models! ive put a banner on someones site put adverts on classified ads but dont seem to be getting much interest, im even on google, i cant see why i dont get much interest as its completey free to do and with a free online portfolio! people usually charge loads for this service and they seem to get people!!?? please help me!! http://www.fastmodelfinder.com/

2007-06-23 06:20:29 · 4 answers · asked by kerriannexxx 1 in Small Business

OK so I put in an offer on a townhouse yesterday. The seller purchased it for 260K three years ago. The place needs a lot of work, needs to be updated, and it looks like she put no money into improvements, updates, etc. The Housing market has dropped significantly over the past year to the point where its a strong buyer's market. The seller's asking price is 306K. Everybody I tell this to thinks its rediculously overpriced, due to the market, and due to the amount of work it needs.

My realtor gotb ack to me and said the seller wants 300K minimum becasue she supposedly put 25K into it. into WHAT though? The flooring is this ugly cheap laminant that pumps when you walk on it, the carpets need replacement, the walls resurfaced, and the kitchen and all 2.5 bathrooms updated (it hasnt beenupdated since it was built in 1987).

So I counter offered 280K firm and final offer, I think the seller if full of crap when she says she put 25K into it...it sure does not look it.

2007-06-23 06:17:50 · 12 answers · asked by Anonymous in Renting & Real Estate

I am starting a small business of painting and decorating,and have had a few small jobs, but i have been told that i will have go vat registered but i have not earned the amount that is allowed so can anyone give me any advice on this please.I have had a larger job offered to me but this still will not take me into the vat bracket,

2007-06-23 06:12:29 · 3 answers · asked by DOROTHY M 2 in United Kingdom

law? or is it only written in certain peoples mortgages. Some people told me it is in their mortgage that they cannot rent or sell it because of the mortgage but is it actually law?

2007-06-23 06:03:37 · 3 answers · asked by NANCY J 5 in Renting & Real Estate

Im shopping around to refinance my home and one of the options is a lender who says he will charge me $10,000. He says the 10k include them paying my property taxes. Should this be a good deal, or should I just pay my own property taxes and ask him to reduce my price instead (since i would pay for those taxes myself)?

2007-06-23 05:58:27 · 7 answers · asked by Peter_33 2 in Renting & Real Estate

2007-06-23 05:54:01 · 3 answers · asked by Anonymous in United States

I work part time as a receptionist at a real esate agency and an agent suggested I get my license to farther my career and i was curious as to what the requirements would be.

2007-06-23 05:47:05 · 2 answers · asked by justwondering16 2 in Renting & Real Estate

I live in NC and we just moved in yesterday but we found out that there is a roach infestation going on in our place. Do we have a thirty day grace period. The apartment name is Dobbins Hill part of crossland corporate apartments. What things can we do to get our deposit back.

2007-06-23 05:42:19 · 4 answers · asked by Bri up 1 in Renting & Real Estate

is there any website through which i can find houses which are already auctioned in london ?

2007-06-23 05:36:27 · 2 answers · asked by amin 1 in Renting & Real Estate

I sucred an apartment for my girlfriend since she had trouble with a credit check. Her name also appears on lease. She was suppose to get a room mate to help with the rent, but has not as of yet. We are since no longer together, and the condo is owned by an individual in MA. I am in FL. I need to get off the lease with the least financial impact as possible. We are 5 months into the lease.

2007-06-23 05:30:08 · 4 answers · asked by Monsoon350 1 in Renting & Real Estate

What if I were to be audited, how would they know what happened? Thank you very much.

2007-06-23 05:12:35 · 3 answers · asked by hmm 5 in United States

2007-06-23 05:07:22 · 9 answers · asked by omeyros 1 in Food Service

2007-06-23 04:43:43 · 3 answers · asked by jack 1 in Investing