Business & Finance - 31 July 2007

okay, so i've been a renter out in the country for a while now, and also childless... well, my husband & i made an offer on a house that's in the city and found out we were going to have a baby in the same week! eep!!

i'm making a budget (particularly for the 12 week leave i will need to take when the baby comes) but i'm not sure what to include... here's what i got so far.

~electricity (not sure how much it will be?? do rates vary a lot within a similar region?)
~cell phone (no land line)
~water & sewer (absolutely NO CLUE! never had to pay before)
~mortgage (PITI, TBD)
~credit card bills ($200/month)
~car insurance (<$75/month)
~OB payments (next 7 months $170/month; hospital bills following)
~doctor copays (?$50/month? 2 visits for a while)
~prescriptions ($40/month)
~diapers ($???)
~groceries ($200)
~gas ($100? it will go down from what it is now, our commute will be about 1/3 of what it is currently)
~garbage ($20/month?)

anything else you can think of? thnx

2007-07-31 06:26:18 · 4 answers · asked by Ember Halo 6 in Personal Finance

2007-07-31 06:14:48 · 7 answers · asked by thegodfather7375 2 in Renting & Real Estate

2007-07-31 06:12:44 · 8 answers · asked by eyes2873 1 in Credit

I would find it easier to check my balance online rather than wait for statement to arrive in post....can I do it online - or at cash machine? First card,so genuine help please-no wisecracks!

2007-07-31 06:12:16 · 8 answers · asked by olivo 4 in Credit

everyone that I talk to asks for a deposit upfront, there is no doubt that that is a scam.. Lenders don't charge money up front.. has anyone ever received any money from one of these lenders, or are they all scams? looking for one that doesn't have any up front fees or requesting money from me..

2007-07-31 06:11:46 · 3 answers · asked by Anonymous in Personal Finance

Would my school find out if I just quit there and go get another permit..would they give me one

2007-07-31 06:11:05 · 3 answers · asked by Justin 1 in Other - Careers & Employment

How do I get a debit card from a bank? Do I apply for a checkings account?

2007-07-31 06:09:13 · 2 answers · asked by Anonymous in Personal Finance

Is it okay if I used my mom's SSN..because I dont think I have one yet, I think im on a visa only my parents have them

I need the ssn cause it said it will keep track of what i purchased and what not and with that i cant enroll fo the insurance, this is for a sport,

2007-07-31 06:08:22 · 3 answers · asked by Anonymous in Insurance

i undstand it is an unusual question, it i's probably the answer to the holy grail, but surely someone is out-there that has earn around 80k in 6 months, here's the funny bit, i'm not a salesman so i cannot invisage working in sales, i havent the money to initially invest, i have no intentions in going to prison so i'm not going to rob a bank etc, i am a hard worker, i do enjoy a challange so can someone challange me?

BTW, i'm not in debt, i dont owe anybody it is just to give my wife the present of a lifetime with a move to france as she has had it bad...

2007-07-31 06:06:38 · 21 answers · asked by Gareth H 1 in Personal Finance

I am trying to raise my account (rrobinson0157) with no success

2007-07-31 06:05:57 · 1 answers · asked by robrob1004oh 1 in Personal Finance

i'm in panama right now and i went to get cash in the bank and they gave me an old $20 bill ad i'm worried that they won't accept it at any store..would they?

2007-07-31 06:05:07 · 7 answers · asked by TrickB 2 in Other - Business & Finance

My Singapore debit card was used fraudulently to purchase several items in United States. Could anyone advise me on who to contact here in US in regards to this fraud?

The FTC website is down.

2007-07-31 06:05:00 · 2 answers · asked by ? 2 in Credit

When calculating WACC where do you get the interest rates for retained earnings and common stock?

2007-07-31 06:03:58 · 2 answers · asked by Hoptoad City 4 in Corporations

I received a letter a couple days ago from the gov about 3 years of unfiled taxes. I've never made over 5000 a year from part time jobs. I've always been a full time student and my parents still claim me on their taxes. What should be my next step

2007-07-31 05:59:29 · 11 answers · asked by BonneChance 3 in United States

I ordered a free credit report and there was an error. I disputed it and received a response that it was fixed, but could not see an updated report on their web site or a corrected score. Their web site says that they will send a report unless filed online. The report I see is still the old report and the score is also not updated so did I waste $8 on a bad score? I called and they want more money to tell me what the correct score should be and want me to pay for another report with the correction as well. Does anyone know how to get a good score and report from them after a dispute online?

2007-07-31 05:57:33 · 6 answers · asked by Robert G 1 in Credit

I am working on a payment arrangement for the loan. My credit is shot. What affect will this have on his credit? He is a business owner.

2007-07-31 05:56:51 · 10 answers · asked by Anna 1 in Credit

So right now i am working at a summer internship where i sell and deliver my books! BUT in order to recieve my books i need to give them 1,500 dollars!!! My problem is i need the money this week but can't pay it back for two weeks. What is the best way to go about doing this?

2007-07-31 05:54:14 · 2 answers · asked by CrazyKiDD893 2 in Personal Finance

Helen obtained a policy of insurance insuring her life and naming her niece Julie as beneficiary. Helen died, and about a year later the policy was found in her house. When Julie claimed the insurance money, the insurer refused to pay on the ground that the policy required that notice of death be given to it promptly following the death. Julie claimed that she was not bound by the time limitation because she had never agreed to it, since she was not a party to the insurance contract. Is Julie entitled to recover?

2007-07-31 05:53:58 · 3 answers · asked by stina_420247 S 1 in Insurance

2007-07-31 05:53:53 · 2 answers · asked by jack 1 in Personal Finance

My purchase and sale agreement for the sale of my home was written improperly. The sale closed on July 25. The buyers agent stipulated close + 2 days (which would have been the 27th) for new owner occupation, but also wrote the occupation date as July 29th. Which date was the legally binding date?

2007-07-31 05:52:16 · 8 answers · asked by Anonymous in Renting & Real Estate

I'm finally getting paid a good amount of money next month at a new job. At a point I got paid 5.15 an hour. Tell me that isn't bad? and that was like two years ago.

2007-07-31 05:51:34 · 4 answers · asked by Anonymous in Personal Finance

also, do i put my refrences on my resume

2007-07-31 05:51:29 · 3 answers · asked by Anonymous in Other - Careers & Employment

as a consequence will be influenced primarily by their domestic external environment? name at least two and explain why?

2007-07-31 05:47:46 · 1 answers · asked by nidopk 1 in Other - Business & Finance

2007-07-31 05:45:57 · 8 answers · asked by pangfvlx 3 in Other - Careers & Employment

We have an executed contract & now owe the bank money for appraisal & flood certification. The seller can't produce a clear title and we can't close, since they have breached contract can we legally make them pay the bank or is this something we have to pay. Now we are looking for another house & will have to pay for an appraisal & flood certification fee when we close on it.

2007-07-31 05:41:33 · 11 answers · asked by Anonymous in Renting & Real Estate

2007-07-31 05:41:14 · 3 answers · asked by ROB 1 in United States

2007-07-31 05:40:03 · 5 answers · asked by hamster 2 in Credit

I have a house in AR, my ex-husband & I bought . He wants me to sign a quitclaim deed over to him. What am I responsible for after that, and should I do that in the first place. What will this do to my credit? Will my name come off the loan after 6 months if payments are made on time?

2007-07-31 05:38:52 · 8 answers · asked by Robyn M 2 in Renting & Real Estate

i was wondering if anyone knows how i can make money from stuffing envelopes from home. i could use the extra money.

2007-07-31 05:36:27 · 3 answers · asked by kwgw2002 1 in Other - Business & Finance

If you are self published but marketing your book can you deduct your expenses as a business expense?

2007-07-31 05:33:12 · 4 answers · asked by Patrick B 3 in United States