Business & Finance - 13 September 2007

Hi there, I was wondering, I currently have two mortages, and 80/20 since I had no down payment. My 80 10 year interest is fixed at 6.125% and my 20 30 year fixed is at 8.25%. I don't want to refinance and pay all closing costs, but could I call my mortgage company and work a better deal with the way the market is. I have a stable job and always pay on time.

2007-09-13 06:01:15 · 12 answers · asked by OZ2003 2 in Renting & Real Estate

I'm a 1st year college student and I live near the downtown Houston area and I was wondering if anyone knew of a job or could help me get a job. I can work Early morning (5:30 ish-10) mondays wed. and saturday and sunday I can work (6am-2pm). I go to school in the morning and then I go to marching band practice at night..I really need a job to help me survive...I really don't want to work at a jack in the box, so if anyone knows of anything good, I BEG you to PLEASE help!

p.s.--it can also be in the southwest houston area as well.

2007-09-13 06:00:06 · 2 answers · asked by Anonymous in Other - Careers & Employment

Do the big bucks go to Insurance agents? Everyone talks about the potential to make lots of money in insurance, but is that only if your in sales as an agent. Will working in claims or adminstrative duty pay so well?

2007-09-13 06:00:00 · 5 answers · asked by Shaun 1 in Insurance

The question is about Management

2007-09-13 05:55:03 · 1 answers · asked by friendforever 1 in Marketing & Sales

I need a fulltime job that actually is worth having. I refuse to work for another daycare center fulltime to only make $5 and hour and im definately not working for a grocery store again for the same thing. Which seems to be the only places that hires people who only have a high school diploma. So i need suggestions on where to find a fulltime job in the richmond, va area.

2007-09-13 05:53:41 · 2 answers · asked by Anonymous in Other - Careers & Employment

How does a merchandising company account for labor?

2007-09-13 05:47:43 · 2 answers · asked by marianne d 2 in Corporations

is it better if they are close to me?
how fast can i get money using a private lender?

2007-09-13 05:47:10 · 3 answers · asked by Aaron B 1 in Personal Finance

I got a call for an interview with AFLAC (Insurance company) for the position of "Accounts Manager." I usually wear black shoes, black dress shoes, and a nice long sleeve collared shirt with the sleeves slightly rolled up, tucked in with a nice black belt. I'm never sure if I'm underdressed or overdressed for all of the interviews I go to. In my opinion, I think my attire is probably right there in the middle. Can anyone suggest something better to wear?

On another note, my face, neck, and chest get red sporatic splotches on them when I talk to people that I don't know, or when I'm the center of attention. It's kind of like blushing, except its random on my face and neck. I can only imagine what employers are thinking when I'm turning red like this during an interview. I'm not sure how to mask this effect or even tell them for their understand.

Thanks for the help.

2007-09-13 05:47:03 · 10 answers · asked by Adam 1 in Administrative and Office Support

Is it good to borrow against your 401k? I have about $16,000 but need to borrow $3,000.

2007-09-13 05:46:49 · 7 answers · asked by Shonny 1 in Personal Finance

I have zero credit and this credit card is for zero credit people and it says annual fee is $49. What does that mean..just to get it the card or every month or what? thank you.

2007-09-13 05:43:14 · 9 answers · asked by Anonymous in Credit

This doesn't make sense to me. If I paid something off, how can they in the same sentence say it was a charge off? This makes the account look negative when it isn't. If I dispute, will they have to take it off?

2007-09-13 05:43:12 · 3 answers · asked by mrsNO 4 in Credit

I just got my 90 day review. At the end of the paperwork i need to sign and there is a section for employee comments. I'm just not exactly sure what to put there. my bosses are great and i;ve learned a lot and expect to learn more - something like that or what?

2007-09-13 05:41:04 · 6 answers · asked by Anonymous in Other - Careers & Employment

... if all companies had a single, standardized application form, so one could just fill theirs out, print out several copies, and distribute them to various places of business?

I know that some companies want to make sure that the applicant is willing to put forth the effort to fill out their forms, but from past experience I've found that some of the nicest application forms produce some of the most shoddy workers.

So, why not? What harm would having a standardized application system cause?

2007-09-13 05:40:08 · 3 answers · asked by Anonymous in Other - Business & Finance

I'm home taking care of my mother.I recently went on a personal medical leave from work,I work in retail for the past 6 years and hate every waking moment of it and think a work at home job would be great.I'm not looking to make 50 billion dollars in 10 days.I need a steady income of about 2000 a month.Please can anyone help me out here? I can't put money up,just want something legit that I can earn money.I don't mind talking on the phone,and I type very fast.Can someone direct me in the right way? I heard about a club277 that is hiring for phone work,but was wondering if anyone has tried it? I think it's an escort service,kind of shady???? thanks

2007-09-13 05:37:36 · 3 answers · asked by commanderx777 6 in Personal Finance

I see a plethora of information out there, even in my own policy, that makes it clear that sewage backups are usually not covered. However, I do not have a backup. I have a sewer line under my basement slab that is broken - most likely due to age and shifting. The plumbers are still tearing up my house to fix it, so I am not ready to file the claim yet.

2007-09-13 05:25:49 · 11 answers · asked by munson 1 in Insurance

2007-09-13 05:23:41 · 1 answers · asked by Chris R 1 in Small Business

My mum would like to add my name to the title deeds making us joint tenants, so the property would pass to me on her death, and avoid inheritance tax.

Does anyone know if this can be done easily and by myself without using a solicitor please?
Thanks!

2007-09-13 05:20:57 · 6 answers · asked by Ellie 2 in Renting & Real Estate

I had a collector call 9 times in 6 hours. Is that intent to annoy or not?

2007-09-13 05:19:29 · 5 answers · asked by Anonymous in Credit

I just disputed two of them and got a credit $$ :)

2007-09-13 05:16:26 · 4 answers · asked by May Hegglin 3 in United States

2007-09-13 05:14:17 · 9 answers · asked by Anonymous in Personal Finance

Can someone please tell me why if you are looking to buy a car and several different places run your credit to get your loan approved with their banks, your credit rating goes down? I don't understand why it would go down. What is the reason behind lowering your credit rating for shopping around for the best deal? Just trying to understand how this all works.

2007-09-13 05:12:58 · 6 answers · asked by to_sassy4_u 5 in Credit

i use paypal all the time but have just gone on a site that pays you money for filling in surveys & they pay you through paynova.is it a genuine service or are they trying to get my bank details from me??

2007-09-13 05:10:52 · 1 answers · asked by debbie b 2 in Other - Business & Finance

I'm a college student and i already have a part-time job but I need more money to pay my bills (rent, internet/cable, water, electric, gas, car, etc....!!)/

My schedule is like this:
Monday, Wed, Friday - 8am to 6pm
Tuesday - 9am to 5pm
Thursday - 8-930am, 1-6pm

online/at home work maybe??

2007-09-13 05:07:52 · 9 answers · asked by ClooneyIsAGenius 2 in Personal Finance

2007-09-13 05:03:04 · 3 answers · asked by ankush 2 in Other - Business & Finance

2007-09-13 05:02:52 · 4 answers · asked by Anonymous in Personal Finance

Do we have to change our dependants to only 1 between us in order to not pay in a ton at tax time??

2007-09-13 05:02:29 · 2 answers · asked by cowwhiskers 2 in United States

My husband lost his job and i went on bed rest and maternity leave right at the same time. He has another job making alot less and hour and i just got started back to work ...... but....... We are so behind and backed up we can't get caught up. We are trying to sell our house before it forecloses and we are 3 or 4 months past due on all of our many credit cards and small loans. I also have a car payment every month. Our credit is screwed right now because of all this. I am tired of bill collecters calling me. Our bank said to do debt consolidation through them. Should i do that or bankruptcy? WE are desperate. or should we just use our paychecks to slowly try to get caught up?

2007-09-13 05:02:23 · 9 answers · asked by Cutie 3 in Personal Finance

I've received the paperwork for my mortgage and the loan amount in the good faith estimate is $275.5k but the truth in lending disclosure says that the amount financed is 270.7k. Is there something funny going on here?

2007-09-13 05:01:24 · 10 answers · asked by Anonymous in Renting & Real Estate

The other night I listed a signed photo of a world war two german fighter ace on Ebay. His name is Gunther Rall. The next morning the listing was taken off and I was sent an email telling me its related to violence etc. Yes I tend to think all wars are violent. I have been selling on Ebay for a long time, and selling photos of fighter pilots, both foreign, and U.S. pilots most of the time. Never had any problem til yesterday. I immediately went to 5 other auction sites others had with the same kind of listings. They didn`t take theirs off. This gentlemen was not with the SS or anything, only a fighter pilot fighting for his country. I would just like to talk to someone at Ebay on the phone etc, but can`t finfd a number for them. Would anyone happen to know a number for them, preferably an 800 number? I would sure appreciate it. Thank you.

2007-09-13 04:58:29 · 5 answers · asked by satch 1 in Corporations

i have been working at the movie theaters for 2 years already..its reallly got me no where.. i am so up for finding a new job because i hate my boss..but the problem is that i can get any job as a waitress/retail/or food chain restuarant..BUT i DONT want to..when i grow up, i want to be working in the office type jobs.. i want to file papers (or even the most boringest job) i just want to start my career with something small, then step it up..ive been looking online for jobs, but they are all for older people..im 18..is there any place that will hire me.. a lot of my friends have jobs like that because they work for family..but do you know any place?? part time?? thank you..

2007-09-13 04:48:19 · 2 answers · asked by girl 1 in Other - Careers & Employment