Business & Finance - 3 August 2007

I'm going to be a fresman in college and I want to get a student credit card for emergency things. i'm not going to go wacko with it, i'm really good with money. Anyway I was supposedly pre approved for this discover student credit card, but i got a letter in the mail which said i wasn't. Anyway, are there any reliable credit cards out there that i can get even if i don't or never had a job???

2007-08-03 09:28:23 · 7 answers · asked by music.lover 2 in Credit

I will be starting my first year of college in about two weeks and I wanted to know the best way to invest my funds. I practically have no expenses except for day to day food. I have a full ride scholarship to my university which covers my tuition and books.

I will be receiving about 3,500 excess financial aid EACH SEMESTER which basically goes to my pocket. ($2000 of it is pell grant and $1,500 is a federal stafford subsidised loan) the reason I got the loan even though i didnt need it is because i figured i can invest it, along with the pell grant money in a CD or high intrest savings account (since i wont be incurring interest on it until i graduate) My question is how specifically should i invest my money? Should i put it all in a CD? or maybe a HSBC savings account (5.05 % APY) what about mutual funds, stocks, anything else?

I know many will say to invest in all of the above, but how much should i invest in each?

Thanks A Lot!

2007-08-03 09:27:09 · 2 answers · asked by sm1r1 1 in Investing

Do I need any license to buy used gold and resale it?

2007-08-03 09:26:16 · 1 answers · asked by SBLAI2 2 in Other - Business & Finance

I tried to apply for 5 jobs last month hoping I could save enough money before school start "August 20". But no one has called me, last time I posted that Im over qualified and I need to "dumb down my application" by not putting too much information about education because they think I would only be working there for the time being. Now its August 3 and no one called, Im going to apply AGAIN today in different places, but IT TAKES A MONTH to get called....... theres no hope, and I cant ask my parents for money. My major is Computer arts in Animation, and Im taking it at Florida Atlantic University, and I need a computer to do it, and there is no lab near my area, and I also dont want to borrow money, if i got not JOB. This is really bad, unless you know a way to get a job that will get you hired immediately, that will truly help. Mcdonalds, Wendies, Video connection,Wallmanrt, Publix, another Mcdonalds, heh I guess they want people with less education

Thankyou for the answer

2007-08-03 09:24:04 · 9 answers · asked by baldoxxx 1 in Other - Careers & Employment

no forex or high yield investment programs please
or affiliate links masked or diverted via domain names.

Just genuine help is verry much apreciated. plus i may even give you some of the profit in x amount of years

2007-08-03 09:17:51 · 14 answers · asked by exceem2006 2 in Investing

Iv just resentley got a new full time job of 35hrs a week. I start on monday and is now thinking of maybe still staying at my Original job but only doing 1-2 shifts a week.. I know i will get taxed by 22% of my 2nd job.. Iv been told to giv my new job my P60 n then to go to the tax affice to let them know that my new job is now my 1st job.. (its confussing) lol
Am a bit confussed to why i have to do this, why does my new job need to know how much taxed iv payed n what iv worked... ect... Also my friend says that in the long run having 2 jobs isnt gunna be worth it.. What do you think>>??

2007-08-03 09:16:27 · 5 answers · asked by Anonymous in United Kingdom

2007-08-03 09:14:33 · 14 answers · asked by Anonymous in United States

I am living in CA and hope to look into purchasing foreclosure property. I dont know to to go about doing this and am not really interested in paying for some kind of service like RealityTrac. Thanks for any help!

2007-08-03 09:14:20 · 5 answers · asked by xgiddyx 1 in Renting & Real Estate

2007-08-03 09:08:01 · 10 answers · asked by Harry E 1 in Personal Finance

2007-08-03 09:06:47 · 6 answers · asked by joseph m 1 in Personal Finance

HELP.

I live in California and my mom (who also lives here) came to me, asking for help...she's in her late 70s and she's always been really bad with money.

I didn't really realize just how bad (she never really let me see; I just knew she was...keeping shuffled up piles of papers in big cardboard boxes, etc.) until she turned over her bills to me to take care of. They were so out of control that she was nearly drowning in debt. Not only that, but she was literally in fear from collectors calling to harass her and mailing her notices.

When I was going through her bills sorting everything out (and what a tangled web she has, I must say), I noticed a letter from Scott Lowery Law Office.

Her credit report doesn't show the creditor, the acct. # or the debt amount...could this be an old debt, & if so, how far back do they go? If it doesn't show up on the CR does she still need to pay it?

I contacted Bud Hibbs but got kind of a hint to ignore it but not a concrete answer.

2007-08-03 09:05:35 · 4 answers · asked by sj2nj6069 3 in Personal Finance

i have recieved my credit file for the first time in my life and found no ccj's or anything like that but have found searches from as far back as 2002. nothing on there says iv'e missed a bill etc but i still have a very poor credit score. is it the searches that are affecting my score?

2007-08-03 09:03:38 · 9 answers · asked by Anonymous in Credit

Correction to the last question... Actually I say husband, but we are not married yet. Honestly we just have never set aside the money and time really. We will someday. However, we do live together and have two girls together. We just moved to texas so we both are submitting new W2's, he has already put down 3 on his. I will start my job in a couple of weeks, what should I put???

Sorry for the previous question, we are just so used to saying we are married b/c it is just simply easier and better excepted.

2007-08-03 08:54:04 · 4 answers · asked by Hi-D 1 in United States

2007-08-03 08:52:52 · 5 answers · asked by Susan P 1 in Insurance

2007-08-03 08:51:38 · 4 answers · asked by Anonymous in Other - Business & Finance

2007-08-03 08:50:39 · 7 answers · asked by Savanna 6 in Small Business

2007-08-03 08:45:37 · 10 answers · asked by KatieBee 3 in Personal Finance

It would make things so much easier.

2007-08-03 08:44:50 · 6 answers · asked by Riley 3 in United States

and will they let you know then or later? After its done how will i know how i did by what they say?

2007-08-03 08:44:40 · 4 answers · asked by bowser 2 in Other - Careers & Employment

I found a Countrywide REO property, It has been in the listing for over 2 months and The remax told me that there is no offer yet. (they reduced $10000 so far) I would like to offer 75% of asking price. Does anyone know if they are accepting offers in the range?

2007-08-03 08:42:55 · 5 answers · asked by M G 1 in Renting & Real Estate

I'm 21 and I'm almost 2 months into my first real job as an assistant manager at a drug store.
My job is cool except for one thing, there's this clerk that seems to hate all us employees because we're all young enough to be her children. So she tries to command us like if we were her kids. When we tell her waht to do she battles back saying we're not the boss of her. My boss knows about all this but he's powerless to stop her as well. She's older than him too.
Yesterday she decided to started this heated arguement with another clerk. When we tried to ask to not to do it in front of the customers and please take it back it got worse. Then she started screaming that the store would fail without her.
I was wondering, does it bother any of you out there if your boss is young enough to be your child? Or is this just isolated?

2007-08-03 08:37:42 · 12 answers · asked by christigmc 5 in Other - Careers & Employment

2007-08-03 08:36:15 · 6 answers · asked by Anonymous in United States

My husband and I have two girls. If my husband put an exemtion of 3 on his W2, does that mean that I can only put 1 on mine? Please advise how it works, I am so clueless!

2007-08-03 08:34:28 · 8 answers · asked by Hi-D 1 in United States

account how do I imporve my credit rating? it was a lng time ago and they closed my account at Lloyds TSB, but my credit raing is still bad

2007-08-03 08:30:08 · 12 answers · asked by nachomanhulk 1 in Credit

I am 17 years old and am currently working at kmart. I want to know how much money do i get taken away for the taxes from my paycheck. I get payed $7.50 per hour and work about 30 to 35 hours every 2 weeks. I also get my paycheck every 2 weeks. Currently I did the math about how many hours I worked in the past 2 weeks and i multiplied the hours by 7.50 and got around $255. When i got my paycheck i got only $206. So how much exactly do i get taken away?...and is there a formula to know exactly how much money i get taken away from the taxes?

2007-08-03 08:29:14 · 5 answers · asked by JM23 1 in United States

Without her permission, a collection agency harassed my wife's parents, threatening legal action against my wife and discussing her debt issues with them. After then being told not to talk to them, they continued to call her parents about it.
We have no recorded conversations or messages, just the testimony of her two parents.
We are now being sued for the credit card debt, could we counter with legal action of our own?

2007-08-03 08:27:23 · 5 answers · asked by jumbo lopez 1 in Credit

Dad passed away leaving no will. His name only is on title of house. Mom is sole beneficiary.
Paper work has been approved.

How does she get her name on the title? There is still mortgage on the house, so can she even get the title transfer or does she have to do something through the mortgage company? Is it better to pay off the mortgage now for her piece-of-mind?

Please advise.

2007-08-03 08:20:18 · 3 answers · asked by Buck Boy 2 in Renting & Real Estate

I work for a family run company. My boss has an extremely mischievous son that he brings to work every Friday. This kid is 17 and acts like he is 5. He makes fun of our mentally handicapped janitor and makes a mess of my office, including today drawing on a picture of my pregnant wife. I am fed up with this kid , all he causes is trouble and makes a mess. How do I handle this kid, I want to hit him.

2007-08-03 08:18:26 · 7 answers · asked by Jennaba9048 1 in Other - Careers & Employment

ok. So im interested in purchasing this house for a very small amount of money and in exchange pay off the owners back taxes on the property and about 8 grand worth of liens from the city. (for not taking care of the property, etc).

I understand that liens have to be payed off before the title is transfered, so can i get it payed off immediately by a creditor and pay for the liens monthly?

2007-08-03 08:15:16 · 10 answers · asked by Matt Allan 1 in Renting & Real Estate

i have an interview with a factory company and if they ask "why do you want to work here?" what should i say. Here is there website http://www.therobinetteco.com/ I really want to work there because they pay good and have good benefits. but how should i answer the question in an interview?

2007-08-03 08:15:03 · 12 answers · asked by bowser 2 in Other - Careers & Employment