Business & Finance - 17 July 2007

I have been debating with myself over whether the $50 annual Costco membership fee is worth the money for us. We are a young married couple with no kids. Do you think the savings we would make by shopping at CostCo would offset the annual membership fee?

2007-07-17 05:52:36 · 11 answers · asked by rao_anand 2 in Personal Finance

2007-07-17 05:49:01 · 3 answers · asked by falc676 1 in United States

HIPAA and COBRA?

I've been posting here for more than a year and have seen soooo many incorrect answers about these subjects. (So far today, I've read 7 blatently incorrect answers on these subjects.) PLEASE, for the sake of the people you're trying to help, I urge you to read up on HIPAA and COBRA. For example, did you know that: HIPAA permits a person a 63-day lapse in between (NOT 30, as some answer here)? that an employer waiting period is NOT counted toward the 63 days? that COBRA coverage CAN be reinstated under many circumstances? that pregnancy CANNOT be considered a PRE-EXISTING condition *EVER* under a group policy, whether the mother has had previous coverage or not?

Here are good sources to start brushing up on these subjects:

HIPAA: http://www.dol.gov/dol/topic/health-plans/portability.htm
COBRA: http://www.dol.gov/dol/topic/health-plans/cobra.htm

I'm asking this because I know we all want to provide correct information.

2007-07-17 05:47:57 · 6 answers · asked by Suzanne: YPA 7 in Insurance

2007-07-17 05:46:25 · 2 answers · asked by dr sachpw 3 in Investing

When moving, is there an up front fee to get all utilities turned on(gas, electric, water) ? Or will that be included in the first month bills? Thanks so much!

2007-07-17 05:46:10 · 5 answers · asked by ? 4 in Renting & Real Estate

I have some ridiculous medical charges against me currently.. I am a full time student, that works min wage part time jobs. I am not one to skip out on bills, always pay my credit card etc. .. However those are planned expenses, and this medical one was not.. and its very high for me to afford. I've been researchin letters of hardship, just for an idea of what I would write, but all of those I've found are for just spreading the payments out.. I'm wondering if its possible to actually reduce the priced for good, since I feel that paying this in full will hurt me significantly for at least the next year as I'm trying to pay tuition/living expenses/etc..

2007-07-17 05:43:14 · 3 answers · asked by Lola 2 in Credit

Just dont like the new management where I work at, things are a lot different than they were when I started working there

2007-07-17 05:37:50 · 2 answers · asked by Anonymous in Corporations

but I also worked till mid April but then went to summer school and will be going to school this fall. also can he put head of house hold or is that just if we don't live together. we have a little one on the way

2007-07-17 05:37:05 · 6 answers · asked by i love being a mommy! 4 in United States

2007-07-17 05:27:47 · 4 answers · asked by Keith C 1 in Renting & Real Estate

There are no dependents.

2007-07-17 05:24:33 · 3 answers · asked by tkvannoy@sbcglobal.net 2 in United States

I quit my job and they gave me my pension & I didn't roll it over, but I forgot to put on my 2004 taxes. Can I add it on to my 2007 taxes?

2007-07-17 05:21:44 · 8 answers · asked by Betty 1 in United States

2007-07-17 05:19:45 · 11 answers · asked by Anonymous in Investing

2007-07-17 05:19:21 · 5 answers · asked by bettysboop819 1 in Insurance

Hello: I have a bit of money to invest (84K). My dad passed away awhile ago and now I have to help my mom with payments because his income is gone. I was hoping to take some money, invest it in something that has a monthly interest return of 1% or so that I could draw each month to help defray her mortgage payment. I have no idea where to start, or if there is something out there like it. I was going to just start talking to a financial consultant in my credit union, but wanted to be sure that would be the best way to start? I'd like input on that or if anyone knows of types of investment I could consider, I could bring that knowledge with me in whoever I should talk to. Thank you!

2007-07-17 05:16:35 · 8 answers · asked by shttrbugin 1 in Investing

2007-07-17 05:10:37 · 15 answers · asked by tndrytime 1 in Renting & Real Estate

My father is quitting is job and is getting a new job in a couple of months, but that will mean that I can't afford the luxuries we used to have. How can I get spare money easily?

2007-07-17 05:10:18 · 6 answers · asked by Nick C 3 in Personal Finance

My friend lost his job and hasn't been able to pay his rent for July, he recieved a notice yesterday that he has until today to pay his rent or they will evict him. He started to work at this temp. job this week, and is starting a new job on monday, I am going to let him stay with me for a couple weeks til he can get a new place. I don't know what the laws are regarding evictions in kentucky. How long does he have til they put his stuff out of the apartment. If he is able to pay the rent by the end of the month would that stop the eviction? What time frame is he looking at?

2007-07-17 05:06:29 · 3 answers · asked by whistlebritches_17 1 in Renting & Real Estate

I have decided to apply for a FHA 203 (K)home loan with a company outside of my home state.

Are there fee's associated with dealing with companies outside of my home state?

What fee's can I expect to be charged for refinancing my home?



What should I look out for ?

I have spoken with the company and have ask the same questions. I just want to get some opinions before I move forward with this

Any advice would be greatly appreciated

Thank you

2007-07-17 04:57:23 · 5 answers · asked by thecrew74 1 in Renting & Real Estate

If someone asks for cash only when they do a job, are they evading tax? If so, how does one go about reporting them?

2007-07-17 04:56:04 · 8 answers · asked by ezmarelda 3 in Other - Taxes

Hi everyone,

Ok, I've been watching my niece typically 5 days a week all year. I drive to my brother's house to do this. He pays me for this and I plan on claiming the earnings on my tax return, especially since he's claiming what he pays me for the child care credit on his return.

I've kept very careful track of my earnings, mileage, tolls, and maintenance on my car all year.

I was wondering if there's any type of calculator or formula I could use to determine approximately how much in taxes I'm going to have to pay. I know I'll have to file a schedule C in January. But here's what I'd really like to know - if the year ended today, how much would I owe? It's more curiosity than anything.

Thanks!

2007-07-17 04:51:30 · 5 answers · asked by CatTech 3 in United States

After surveying the property upon the tenants' moveout, I discovered that they had completely trashed the place, doing damage far in excess of the security deposit. Is that something that would be covered by a typical rental homeowners policy?

2007-07-17 04:50:54 · 10 answers · asked by M W 1 in Insurance

For instance, if there's a promotion saying "10% off if you mention our ad" or "15% senior discount". Then when you get the bill, it's X dollars, how can you tell where the discount is? I ask because I questioned one man about the discount he mentioned and he said it was already taken into account when he wrote up the bill.

2007-07-17 04:50:42 · 2 answers · asked by debodun 2 in Other - Business & Finance

2007-07-17 04:50:39 · 7 answers · asked by Anonymous in Renting & Real Estate

The foreclosure is being listed for 155,000. The tax appraised value of the house is 167,000. The property is in a very good part of town. How much should I offer? Is there anywhere where I can find out how much the bank is into the house for?

2007-07-17 04:45:05 · 6 answers · asked by Mr. F 2 in Renting & Real Estate

I always thought cashier's checks were safe, but I hear that they are starting to get forged quite often.

2007-07-17 04:41:18 · 7 answers · asked by Employment Guy 7 in Other - Business & Finance

If so what percetange can they take for back taxes owed?
Or will they just cart me off to the pokey?
Is this a big deal or should I go see the tax man before I make a move.
I had a 100 fee turn into 4,000 dollars,and I had about 20 grand total gambling winnings from last year I need to pay on,any advice?(that 100-400 was from about 3-4 years ago)
Please don't rip me a new one thoughful answers appreciated and I thank you in advance for your time.

2007-07-17 04:35:55 · 5 answers · asked by FYIIM1KO 5 in United States

i am 16 and tryin to get my first job. i have a interview today at taco bell and need help! can anyone give me advice on what i should do,what i need to take with me, also tips on how to act and anything else you can offer to help me land the job! Thankx

2007-07-17 04:30:33 · 2 answers · asked by livinitupin09 1 in Other - Careers & Employment

how many times throughout the year are they paid

2007-07-17 04:29:41 · 5 answers · asked by Ashley T 1 in Investing

again, my husband screwed up on last years W4 form. I am changing it now so we hopefully will break even and not owe anything. I am checking the box for married but withhold at a higher single rate. If I chose 5 allowances, does that mean they are going to keep even more money from his weekly checks? Please explain this to me!!!

2007-07-17 04:21:04 · 4 answers · asked by Lyss 2 in United States

how much is the percentage? they charge? ive heard i can cash it at a bank for free? if say the cheque is Halifax and i take it to a halifax they can cash it for free?

2007-07-17 04:08:45 · 7 answers · asked by Anonymous in Other - Business & Finance