Business & Finance - 19 September 2007

I'm loaning someone a couple thousand and am looking for the right way to word the contract. Does anyone know of any resourses?

Thanks

2007-09-19 11:04:45 · 1 answers · asked by Anonymous in Personal Finance

I'm trying to help my aunt who got a notice in her visa card state-ment from chase, that said there'd be a new way of figuring her finance/interest & minimim payments, coming up. She called them for infor. on what this would mean for her so she could plan for any increase but the reps claim they dont know nothing about the form she got, no one will call her back, & she's lost as to where she can go to decipher the long complex printed & undated enclosure she got. I also don't know what to tell her. Where should I call to get help with the answer, then worry about major complaining at later date? Is there a consumer rights place or something? Anyone else get the notice, & how did u handle it? Hurry! Thanks.

2007-09-19 11:03:21 · 3 answers · asked by Anonymous in Credit

I'm fifteen, and I've lived in a hand-to-mouth situation my whole life. I would really like to rectify this in my future, heck even now would be GREAT. What are some ways I can prevent this problem from carrying over into my adult life? I'm going to get kicked into my own shoes some time in the imment future, and I don't want to have to struggle like I've watched my parents do my whole life. Serious answers, please, I'm not joking.

2007-09-19 11:02:48 · 11 answers · asked by Anonymous in Personal Finance

Hi there,

I'm gonna get my first christmas bonus this year, which amounts to a couple of grand which is a lot of money to me!

I really don't want to get stung by tax and my student loan repayments...does anyone know a way around this, that's legal!?!?

My boss is pretty cool so as long as it was legal he would go along with it. Any help greatly appreciated!

Thanks

Greg

2007-09-19 10:52:20 · 1 answers · asked by Anonymous in United Kingdom

There might be a risk of recession coming. Of course, nobody knows if there will be a recession but there is a good chance.
I know mutual funds investment is long term. Is it a good idea to sell it now, pocket the gain, put the money in money market and buy it cheap if recession does happen?

2007-09-19 10:51:26 · 9 answers · asked by Ray Y 1 in Investing

so i can get the heck out of that place!

2007-09-19 10:50:56 · 5 answers · asked by Tireless 2 in Renting & Real Estate

Now that the market is out of whack, I am guessing that lenders are going to make touger requirements for giving mortgages. I want to buy a house in 6-8 months. Right now I have about $2000 a month to either save for a house or pay credit cards. My debts including school loans are at $15,000 so it should be paid off after 8 months or so. My monthly minimum payments for these debts are $150.
Many of the house mortgages want a down payment rather than 100% financing. 5% down payment of the place we would want is $17,500.
So is it pay down debt or save for the house?

By the way, the lenders I have been talking to don't look at my entire debt. They consider my monthly minimum payments when computing ratios.

2007-09-19 10:49:35 · 14 answers · asked by Anonymous in Renting & Real Estate

We owe $18,000 in credit cards and the 0% interest is about to end. We could get a home equity line of credit with a pretty low monthly payment or my husband can borrow from his stocks and the interest charged is paid back into his retirement account. The only problem with this is the payment is going to be higher at 9.25%. I know with the other loan we would be paying the interest to the bank but the payment is more affordable and I could pay extra when possible. I just don't want to be strapped for money every month. Thanks for your help.

2007-09-19 10:46:25 · 3 answers · asked by Anonymous in Personal Finance

Here is the story. 23 days ago, someone booked my apartment to rent it for 2 weeks. Every other customers could see since 23 days that my apartment was not available for 2 weeks at the date they chose. They paid me for the 2 weeks then, at their second night, they told me that they want to stay only 1 week and they want that I refund them the second week. We didn't sign a contract (only one for the deposit). The problem is that during 23 days, I could have booked the apartment with other people for their second week. So what should I do? They ask me to refund their second week.

2007-09-19 10:46:01 · 5 answers · asked by Kitkat 1 in Renting & Real Estate

Im auctioning off items regularly on Ebay, but all the stuff I sell is going for about half of what i bought the items for originally. My question is would i have to pay taxes on the items if i am selling on ebay?

Note: I'm not doing this as a business, im just trying to get rid of stuff that is cluttering up my house.

2007-09-19 10:42:29 · 5 answers · asked by mauzer666 1 in United States

What does one entail? What should I do to prepare as the job seeker? The job fair is at a factory, will there be entry level positions available? Include any other details you want just please explain, I've never been to a job fair and I want to be prepared.

2007-09-19 10:41:20 · 4 answers · asked by Anonymous in Other - Careers & Employment

do i need identification etc, or are there any other requirements? can i just walk in and get new change?

(don't ask me why i need this info)

2007-09-19 10:40:55 · 8 answers · asked by joeyramoney1 2 in Personal Finance

Does anybody can help and explain what does it mean: "Seller Finance (No money from you) we pay you the interest and the principal" and what is the lease/rent to buy. Thank you

2007-09-19 10:39:52 · 4 answers · asked by angel 2 in Renting & Real Estate

My husband and I are seperated for two years. We own home joint title.

He wants to be off the mortgage and title. I have agreed to pay him a sum of money over time, but he is willing to quit claim or let me refinance on my own however I want. We trust each other and he does not need the money any time soon....

If he signs title over to me, will I have a taxable event? If I am only paying him as I can over time, does he have taxable event.

Trying to figure out the best way to do this cleanly....

2007-09-19 10:37:46 · 1 answers · asked by cathoratio 5 in Personal Finance

Like is it pretty easy in places like NYC, LA , Santa Fe, Chicago, Pheonix, etc?

2007-09-19 10:37:20 · 3 answers · asked by Anonymous in Other - Careers & Employment

2007-09-19 10:34:23 · 3 answers · asked by Anonymous in Insurance

Hi. What happening is that I openned an account with North Fork Bank asset management a few years ago. They manage your portfolio for you (buying and selling mutual funds as they go up and down) and collect a commision every quarter. Unfortunately Captial one took over them and is closing this service :-(

What was great about them was the fact that you needed only 50K at the time to open such account which is simply super.

Does anybody know of any asset management service that does help peeps like me (50K-75K) ? Most of them won't even talk to you unless you bring 500,000 or more to the table.

I appreciate it guys. Thanks

2007-09-19 10:32:56 · 5 answers · asked by Desperately-Seeking-Help 1 in Investing

2007-09-19 10:32:22 · 6 answers · asked by Erica B 2 in Other - Business & Finance

I will be soon in the market to buy my first house in the next 6 months. I can either try for a 30 year mortgage for 6% or a 40 year one for 7%. My wife and I are newly out of college and are looking for a house that is about $350,000 in our area in CA. Right now according to calculators, we qualify for a house that costs $240,000. Problem is that even crack houses cost more than that!
So I see that most of the first few years of payments go towards interest so after 5 years, if I decide to move, I won't really have that much equity built up.
Let's say that by going to the 40 year mortgage, I am able to save $100 a month on my payment. If I kept applying that $100 monthly savings towards principal, will I build equity quicker?
It will also be tougher for us making payments now but in a few years when our careers advance, things will get better.
Good idea? Any calculator anyone recommends?

2007-09-19 10:31:42 · 6 answers · asked by Anonymous in Renting & Real Estate

when will it be a good time to sell it???

2007-09-19 10:31:19 · 8 answers · asked by London_Girl 3 in Other - Business & Finance

employers are allowed to write off their health care expenses for their employees......if you pay for your own healthcare its not only going to cost you much much more, you cant write off a single cent,,,unless it becomes so large your assets are seized.

2007-09-19 10:27:28 · 6 answers · asked by Anonymous in United States

i want the average cost to rent a HOUSE, not an APARTMENT, please.
thanks!!

2007-09-19 10:25:57 · 12 answers · asked by Anonymous in Renting & Real Estate

Well how can someone MAKE money by having their own website if they are the one who is paying to have it up online??..and make A LOT of money..

2007-09-19 10:25:24 · 5 answers · asked by Music-DJ 3 in Small Business

I just found a 4 year old bill from a collection agency in some of my papers. Thing is I pulled my credit report from all three bureaus yesterday and it wasn't on there. I would think it would be there by now.
Are the collectors not required to report debts or could it be that they aren't bothering because it would only sit on the reports for 2 years at this point?
I do owe the money. It's from an old phone bill.
I haven't received anything else from them since '03. Should I even bother contacting them or just ride it out and hope it doesn't show up on the credit report?

2007-09-19 10:18:18 · 6 answers · asked by what's the point 4 in Credit

A high class prostitute OR An elementry school Janitor.

and WHY

2007-09-19 10:18:05 · 7 answers · asked by This is harder than it looks? 6 in Renting & Real Estate

2007-09-19 10:15:55 · 3 answers · asked by terry h 1 in United Kingdom

I've always wondered why Buyers tend to have two loans instead of just taking out one loan to purchase. Why is this?

2007-09-19 10:15:52 · 4 answers · asked by Pink Princess 6 in Renting & Real Estate

What do you have to do to become a Notary Public?

2007-09-19 10:15:43 · 3 answers · asked by John 3 in Small Business

Very little registration and non-fee based.

No surveys that involve me having to purchase something or join some club.

And please some who can respond back that can read and write english the right way.

2007-09-19 10:14:59 · 10 answers · asked by stoner33709 2 in Marketing & Sales

2007-09-19 10:13:35 · 1 answers · asked by MAYRA J 1 in Investing