Business & Finance - 2 September 2007

Say I want to loan a property owner $1,000.00 to have some work done on her house by a third party contractor. What is the best way to record this note and protect my loan to her? Am I able to file a lien on the property without being a liscensed contractor? Would it be easier just to record a 2nd mortgage on the property?

I'm not sure about hoping she pays and suing her if she doesn't, it seems very hard to collect judgements through the court. I would much rather just file a lien or a mortgage, any advice.

Thanks,

2007-09-02 06:40:28 · 12 answers · asked by Anonymous in Renting & Real Estate

2007-09-02 06:37:27 · 7 answers · asked by sanjeev 1 in Investing

Several years ago when we remodeled and added on to our house, we stained all trim, stair rails and doors. Our front porch and back deck are also stained (can you tell my husband likes "stain"?) Now we are ready to sell. I know it won't be a great expense, but is it worth the time to paint the trim before putting our house on the market? All rooms are some varying shade of a neutral beige/tan color. Carpet is "speckled" with brown shading. Kitchen floor is stone. Dining room hardwood. What would be your preferences if you were looking?

2007-09-02 06:30:01 · 5 answers · asked by Anonymous in Renting & Real Estate

two car payments...and one revolving credit card. I was told to improve my credit score I should get a low percentage rate credit card and purchase my gas for the month with it...and then pay it down every month. Will this improve my credit rating?

2007-09-02 06:28:16 · 4 answers · asked by betsy 2 in Credit

2007-09-02 06:27:18 · 6 answers · asked by Lori M 1 in Credit

2007-09-02 06:24:53 · 7 answers · asked by andy j 1 in Personal Finance

2007-09-02 06:19:08 · 2 answers · asked by harrisonpaint 1 in Personal Finance

How do you find a snapshot on LexisNexis?

2007-09-02 06:13:59 · 2 answers · asked by Fire Away 1 in Other - Business & Finance

I am trying to re-build my credit and would like to get a credit card where I can use in the meantime to to book hotels, rentals etc. Pre-paid cards are okay, but I have known some companies not accepting them. Is there also a company that can provide a individual with a card with so-so credit rating?

2007-09-02 06:10:38 · 1 answers · asked by pinki 1 in Credit

My husband and I are looking into a house that we want to buy. My husband has the only income right now because I am a full time student. We have hardly any debt, good credit and we have co-borrowers. We qualify for first time home buyers. The problem is we have two kids and bills so we have absolutely NO money to put down. We love the house we want to buy and it is selling at 99,000. We can only afford payments of up to $700 a month. So should we do it or should we just rent until I get my job?

2007-09-02 06:00:27 · 10 answers · asked by ? 2 in Renting & Real Estate

Hi i was wondering what is a great income in the united states , if a person wants to live a great life..not good..GREAT? what is a yearly great income?

2007-09-02 05:58:02 · 9 answers · asked by Anonymous in United States

2007-09-02 05:54:18 · 6 answers · asked by Anonymous in Other - Business & Finance

I am a full-time student with no job. I opened a Roth IRA account with USAA(military-friendly bank), this month that automatically takes $20/month into it. My husband is the main provider, and I will be getting a job later on. Bank says it is NOT FDIC insured, no bank guarantee, may lose value. I understand the value will fluctuate(it's in a medium risk stock), but is it really a good idea to have this account long term for retirement purposes when it is NOT FDIC insured? How does this work really?I am thinking of making the monthly allotment to $50 or $100.month, but I want to know my money will be there when I want it later down the road.Sorry, new to finances-so any suggestions or comments Thanks.

2007-09-02 05:51:52 · 7 answers · asked by Anonymous in Personal Finance

Planning to buy stock and resell on eBay for profit. Need to keep accounts for the Taxman here in the United Kingdom.

If no software what specific info should be entered in the columns of the accounts system/book/spreadsheet?

All guidance appreciated...

Thanks,
rhqman

2007-09-02 05:50:15 · 2 answers · asked by rhqman 2 in Small Business

and do I really care if I'm taking the easy way out?

2007-09-02 05:48:37 · 6 answers · asked by 21dahlly 1 in Personal Finance

What is a usual down payment on a house?

What kind of money do I need to be making in order to get a nice loan amount for buying a home?

What is a standard monthly payment? (I know this varies, but on average what do people pay?)

Thank You very much!!

2007-09-02 05:48:29 · 4 answers · asked by Jason 5 in Renting & Real Estate

The car is in excellent condition. I can repay a loan back with monthly payments. I have retired but i do receive a pension. I am also currently looking for a part time job.

2007-09-02 05:43:44 · 6 answers · asked by mystee 1 in Personal Finance

if i withdraw from my 401 to buy a home in Mexico. how long do i have to replace the withdrawn funds before i get the 10% penalty?

2007-09-02 05:42:53 · 4 answers · asked by hwood 1 in Personal Finance

Specifically section 8. I just had my form returned to me for doing it wrong.

2007-09-02 05:41:12 · 1 answers · asked by Anonymous in Corporations

I live in Aventura,FL and I been in this apartment since May, my second month here I got served with papers from her bank. I spoke to landlord and she said she was working things out, even so I kept getting letters from her bank and lawyers, and just 3 days ago I got a letter from the court WITH MY NAME stating that this apartment is on the process of foreclosure. I just would like to know if I could move out without getting into any legal trouble. Could i ask landlord if she would consider ending my contract? I just cant deal with this.

2007-09-02 05:40:52 · 2 answers · asked by anadali 2 in Renting & Real Estate

I just bought a home which has well water but a city sewer. The sewer tax bill is separate from my real estate tax bill. Is the sewer tax federally tax deductible along with the real estate tax?

2007-09-02 05:40:42 · 4 answers · asked by Pupsgirl 3 in United States

i recently bought a brand new colorado,ive had it for about 5 months now.i got approved on my own but for insurance purposes i had to put my dad in it too because of that my payment increased.now im trying to move out from their house,i want to get rid of the truck and buy a bike.parents are telling me that if i try and give the truck back it will mess our credit up. is there anything else i can do?

2007-09-02 05:39:12 · 8 answers · asked by Anonymous in Credit

I'm writing a story where a young high school girl lives in an apartment, I was hoping the minimum age to live in an apartment would be 16, but now I'm thinking you have to be 18. So what's the deal? Can you live in an apartment alone at 16?

2007-09-02 05:36:57 · 2 answers · asked by Anonymous in Renting & Real Estate

I would like to know some information, if possible about a conitnental finance credit card. This interest rate is 9.75% and 3% on cash advances. If you know anything please let me know. Thanks!!

2007-09-02 05:33:48 · 3 answers · asked by SWEET_COCOA_27 1 in Credit

Is a human resources department likely to ask for confirmation from an examining board or more likely to accept the certificates that are provided by the prospective employee?

I believe that if a prospective employer requested this information from an examining board without the signed and dated permission of the prospective employee then it may be unlawful under the Data Protection Act?

2007-09-02 05:15:50 · 2 answers · asked by Lemonhead 1 in Other - Business & Finance

I am planning a purchase in La Paz MX and I had signed a contract when thigs were hot. Now what is the situation. I am not there to know

2007-09-02 05:15:31 · 1 answers · asked by hwood 1 in Renting & Real Estate

i wanted to report some business where i live, and needed a web site or email or number! thanks!

2007-09-02 05:15:16 · 5 answers · asked by michael b 1 in Other - Business & Finance

How many different kinds of lawyers are there? Which kind makes the most money?

2007-09-02 05:09:00 · 3 answers · asked by sock-rocker 2 in Law & Legal

2007-09-02 04:58:47 · 4 answers · asked by luis v 2 in United States

i need to pay for like my clothes and stuff cause my parents wont!

2007-09-02 04:49:02 · 12 answers · asked by mmangold7b 1 in Personal Finance