Business & Finance - 7 August 2007

Im a loan officer who began this career 6mths ago. It seems I started when the housing market really started to go south. my predecessors where closing 10-12 loans a month with ease where im literally closing 1 a month with great struggle and frustration. My knowledge of loans and mortgages increases day by day but its really difficult for me to figure out why it really started going south and why over this past weekend half my lenders either closed shop or are asking for fulldoc owner occupied only, or they are asking for 10%-15%dp when 4 days ago i could get 100% finance under the same senario. as time went on i assumed the cause was the borrowers not making payments therefore the mortgage companies would start dieing out. my boss told me in the recent past a lot of mortgage companies provided programs that gave out loans too easily to people who would be a major risk. so for the greatly learned out there what is the cause of it all and what would be the slow nationwide solution(s)

2007-08-07 09:24:28 · 13 answers · asked by samrayiii 1 in Renting & Real Estate

i have suddenly received a judgement for claimant, demanding money,i have not previously received anything saying i was being taken to court,it appears to be a demand for money on some debt,but i never received anything else,is this the same has a ccj or is this a different thing,has i did not get any summons etc or any default notice,just this.

2007-08-07 09:24:15 · 11 answers · asked by batty 3 in Credit

need to work out how much tax and insurance i have to pay out of my wages

2007-08-07 09:21:21 · 6 answers · asked by pamelaoneill29 1 in United Kingdom

should i do that or will the 7.99% be better ?

2007-08-07 09:21:21 · 9 answers · asked by jason 5 1 in Credit

Please, only those who have constructive legit answers please because I am stressed out and dont want to deal with sarcasism or wisecracks. I just need someone to talk to. I work in a fast food restaurant which pays me pretty well no matter what stereotypes say. As a matter of fact, I am one of the highest paid closers close to 8 bucks an hour and due for another raise soon. Anyways......this week my hours have been cut to about 20 to 24 hours a week because our labor is high, I make more than most others and they need to cut back because we have too many new kids hired. I dont know what to do having no car and jobs are almost impossible to get right now. One of the managers (a good friend) said as soon as the kids go back to school my hours will improove so just be patient. I am one of the best closers they have. Can you offer some advice. Maybe you have had a similar situation.

2007-08-07 09:21:10 · 5 answers · asked by Anonymous in Other - Careers & Employment

2007-08-07 09:20:40 · 3 answers · asked by Elizabeth M 1 in Other - Advertising & Marketing

I am married with no kids. I want them to take out more taxes so I do not owe at the end of the year. Should me and my wife both claim 0 for line A?

2007-08-07 09:20:05 · 5 answers · asked by scott 1 in United States

rate will my rental income be taxed?

2007-08-07 09:12:25 · 3 answers · asked by unique 1 in United States

Son, 57 years old, passed away suddenly. Dad is not on deed to property or on house note. His deceased son apparently has no heirs. Dad is just trying to dispose of property without becoming liable for mortgage, utilities, upkeep, etc.

2007-08-07 09:12:21 · 6 answers · asked by Steve 1 in Renting & Real Estate

2007-08-07 09:09:07 · 1 answers · asked by doris_basanta 1 in Small Business

I want to create an excel spreadsheet where I can enter my hours and it calculate what I will recieve on my paycheck after all deductions.

I know how to use excel, i just dont know what math to use to find out what my weekly federal deduction is.

I know how to get the medicare and FICA or whatever, but I cant figure out what formula one uses to get their federal withholding. can anyone help?

2007-08-07 09:00:19 · 2 answers · asked by imapirateaarr 5 in United States

they are asking a security deposist plus additional money

2007-08-07 08:57:18 · 6 answers · asked by aretta w 1 in Renting & Real Estate

2007-08-07 08:56:11 · 7 answers · asked by ? 1 in Credit

2007-08-07 08:54:52 · 9 answers · asked by Anonymous in Renting & Real Estate

2007-08-07 08:50:44 · 5 answers · asked by blue2rains 1 in Small Business

i lost my memory card a few months ago so i bought a new one about two weeks ago. just yesterday, i found my lost memory card. so i decided to return the new one but then the package is opened. i put it back best i could by tape-ing it and the memory card's working fine like brand new. i have the receipt but it's 1 - 2 days past the deadline for returning. do you think this is in saleable condition? if you were a staples cashier, would you give me a refund on this?

2007-08-07 08:49:28 · 3 answers · asked by jt<3 1 in Other - Business & Finance

Can anyone tell me the pros/ cons of these 2 software packages. My organization is about to choose between them as their core financial and sales systems and we are looking for some users to give us their opinion. Please be a user of either if responding..

2007-08-07 08:46:48 · 1 answers · asked by Anonymous in Corporations

2007-08-07 08:45:31 · 6 answers · asked by Anonymous in United States

i am unemployed but searching for permanent job. i am due to start my temp job in 2 weeks at $10/hr. don't have any bills except my cell phone and dsl. Should i take out this loan to pay off credit cards. they call my phone at least 10 times per day and i thought this might be the smartest way to pay off the loans and raise my score. Just paying off the cards will increase my score by 30 points. at the end i won't be able to get a decent credit card to raise my score. paying off my card with a loan allows me to get rid of the credit card debt and build my score by paying regular payments to citibank. I shope that this will raise my score. the consolidation loan term is 36 months. What do u think? please give some advice if you have any?

2007-08-07 08:42:23 · 7 answers · asked by Anonymous in Credit

what web site is it?

2007-08-07 08:37:58 · 12 answers · asked by ning l 1 in Other - Careers & Employment

It seems that each credit card company has their cards divided into these types or classifications. What do they mean? How is Silver different from Gold, Platinum or Titanium? Are they just names, or is their more to it? Are there industry standards that determine what will be a Gold Card and what will be a Platinum Card? Do these classifications refer to different incentive plans like sky-miles or bonus-points? Are they divided based on use like personal, business, travel, etc.? Do they classify them by what credit scores qualify? Is it just a prestige thing?

Help me out, I'm lost.

2007-08-07 08:31:58 · 5 answers · asked by atomzer0 6 in Credit

2007-08-07 08:31:28 · 3 answers · asked by cee 1 in Renting & Real Estate

2007-08-07 08:31:17 · 4 answers · asked by Pleahcim 1 in Insurance

but i called and they wated my credit number
they ask for money up front
i'm not sure if thats right
th ephone number is 1-800-787-4098 extension 134 (7 days a week)

2007-08-07 08:28:28 · 7 answers · asked by lsweetdandi 1 in Credit

I need one of these, but I cant find any for residents in the state of Georgia..why not? And if anyone knows of any would you let me know.

2007-08-07 08:27:33 · 0 answers · asked by skg20051 2 in Credit

i want to work from home and i heard about the servays on line to make money. but the adds are vague.i want more info on pay amounts and how you actually get payed!

2007-08-07 08:26:42 · 7 answers · asked by Anonymous in Other - Advertising & Marketing

At work, there are meetings all the time. I am looking for your good ideas on how I can reduce the number of meetings (and their length). The "stand-up" is a good idea. But I know there must be others that have been effective.

2007-08-07 08:20:36 · 5 answers · asked by bonforte 2 in Corporations

2007-08-07 08:15:32 · 1 answers · asked by joe 2 in Insurance

How did the problems at Deloittle & Touche occur in the first place?

Did their changes fix the underlying problems? Explain.

What other advice would you give their managers?

2007-08-07 08:08:31 · 1 answers · asked by Thomas N 2 in Corporations

There is a girl at work and she is very pedantic,

She tends to talk down to everyone else in the office, and go on like she knows everything.

It is really doing my head in, she used to work for a bank and has alot of background knowledge so she tends to talk down to the rest of the girls in the office, saying

'No you cant do this because '

How can address the matter?!

2007-08-07 08:04:52 · 17 answers · asked by Rebz 5 in Other - Careers & Employment