Business & Finance - 21 September 2007

Okay, I want to get a maxillofacial procedure done on my jaw, and my insurance won't cover it.

However, I have no financial knowledge whatsoever. I have some questions and I was wondering if you guys could help me!

1. What is APR? Does a 9.95% APR mean I pay 9.95% total interest on the money i borrow? Or is that compounded monthly, or yearly?
2. What is the best place to get a small loan for? I don't have any collateral, except my car a 2000 model small japanese car. I'm guessing I am too young to have a credit history. My parents pay for everything, and they give me about $5000 to spend on rent and other things every 3 to 4 months, so I could use this to pay for my surgery over time. I don't really have an income, I am a college student. I suppose I could convince a loan company to give me money if I could make a downpayment, so this probably would be the best way for me to go.

I am guessing I need at most $10,000. Orthodontics and then eventual jaw surgery.
Please help me.

2007-09-21 13:33:53 · 3 answers · asked by Anonymous in Personal Finance

i dooooooooooo!!

2007-09-21 13:32:59 · 8 answers · asked by ♥haley♥ 3 in Personal Finance

2007-09-21 13:29:24 · 9 answers · asked by gemeneye25@prodigy.net 1 in Renting & Real Estate

2007-09-21 13:27:24 · 3 answers · asked by .... 2 in Insurance

I live in CA, I work for the State. I get paid 2600 dollars, once a month. How much should I expect to take home each month?

2007-09-21 13:23:11 · 2 answers · asked by Anonymous in United States

I'm an 18 yr old male. I would like a trade for use here as well as possibly in germany.

2007-09-21 13:21:50 · 1 answers · asked by noam c 1 in Other - Business & Finance

I need to think of a catchy name for a store a friend of mine is thinking about opening. It will be a small botique carrying trendy/fashionable clothes, jewelry, and so on. Any ideas???

2007-09-21 13:17:31 · 5 answers · asked by Anonymous in Small Business

i am recently divorced single mother who is looking for a company who will give me a loan for about $5000. My credit is low like 500 due to my ex husband stealing my identity. I am wanting to consolidate my debts to make it easier for me and my daughter. Does anyone know of a company who will help me with out paying any fees up front to obtain a loan?

2007-09-21 13:15:43 · 7 answers · asked by chellebeth75 2 in Personal Finance

As they get paid millions for short performances or movies, how does money circulate and who decides?

2007-09-21 13:15:39 · 4 answers · asked by groovybaby303 1 in Other - Business & Finance

Okay, so we all know how life can be... long story condensed- I've been n this whole credit building trip for a while (finally got a card- yay) but so far, haven't built any. ( a while being two months, just got th card havent goten a bill yet.)~Thats all well and good. Now... My husband, my brother, his gf, and I have been living with my mom for a while to "get started" (my nephew passed and the funeral costs killed our savings.) however, my mother has a substance problem and has gone as for as stealing my bank card for a day at a time and convieniently "finding it on the street for me."~shes months behind in the rent and now decided she just gona let the house go... i have no idea how or why she thinks she has the upperhand in that desicion... anyway... we (my bro, the gf, and my hubby) are apt hnting and are using my father in law as a co-signer on the lease... he's the only usable person (awesome credit.) i cant use him on a loan as well, and we NEED ONE NOW. help?

2007-09-21 13:14:40 · 2 answers · asked by Anonymous in Personal Finance

2007-09-21 13:13:14 · 18 answers · asked by coco 2 in Investing

It seems that everytime we buy an item from the states, we are charged as though the U.S. dollar is worth more. What is the deal with that?

2007-09-21 13:11:23 · 6 answers · asked by Anonymous in Other - Business & Finance

I have an insurance policy on my brother, but the beneficeries are my deceased mother and brother .How do I change it from them to me?

2007-09-21 13:08:45 · 6 answers · asked by Feels cheated on... 1 in Insurance

2004 I had left off some stock sales that we lost money on and now I recieved a letter stating that we owe over 5,000. Does anyone know if it is too late to amend my taxes for 2004.
Thank you

2007-09-21 13:05:36 · 7 answers · asked by retasue47 2 in United States

Has anybody had any problems with people buying items from eBay and wanting them shipped to Africa? Was is a scam? I have someone who has just bought a computer off me and wants me to send it to Africa, he is from the USA. I checked his feedback and he has bought one other fairly expensive item and paid for it without complications.

2007-09-21 13:03:25 · 5 answers · asked by Cato Says "Kalamaloo" 4 in Personal Finance

Obviously USPS will do it but I'd like to know all the options, if there are others.

2007-09-21 12:57:28 · 2 answers · asked by drshorty 7 in Other - Business & Finance

I am interested in starting my own clothing line, which I will sell online. Are there copywrites on fabrics that are sold at stores like Joann? Can I take any fabric, sew it into an outfit and put my brand on it? I have researching everywhere for an answer and I can not find any.

2007-09-21 12:57:17 · 1 answers · asked by Deanna E 2 in Small Business

I was pre-approved for an AMEX card. Called to apply and they put my application in pending status b/c they want me to provide proof of my employment by sending them a recent pay stub along with a letter from my employer corroborating my emolument.

2007-09-21 12:54:36 · 3 answers · asked by Alias 1 in Personal Finance

We just got a commitment for a mortgage to close in a week, and after we, the title company and our realtor all received the loan commitment and scheduled the closing, the lender called back and said the terms were different than they'd said and issued a new commitment letter. Is this legal? We live in Florida if that matters.

2007-09-21 12:51:13 · 12 answers · asked by sillyone 2 in Renting & Real Estate

How much is tax on the new iPod Nanos?! thanks

2007-09-21 12:48:26 · 6 answers · asked by *Lily* 3 in United States

I listed a refurbished Toshiba Protege M100 on eBay last night for $499 plus $49.99 postage. I bought it fro eBay a few days earlier for the same price but recieved a new laptop as a gift before it arrived, so I re listed it to make my money back. I got up this money and somebody had bought it, but they had also sent me and email declaring that they wanted to pay for the item NOW and they wanted me to post it overseas to a friend of thiers. Now the bit that is a little concerning is that they want to pay $790 for the computer! Why would they want to pay more then I am asking? They have offered to pay by money order and I will not be posting the item until I recieve the order and have cashed it! But do you think this is some sort of scam?

2007-09-21 12:48:03 · 6 answers · asked by Cato Says "Kalamaloo" 4 in Personal Finance

Im working as full time employee on W2, but I also do independent contract work and receive payment on 1099. This amount will be close to $40K for 2007 and do I need to pay esitmated tax for every quarter or can I choose to pay the tax at the year end, before Decemeber 31. Will I get penalized? This year W2 tax which I pay through my current employer will be less than last year.

2007-09-21 12:47:44 · 4 answers · asked by Dev 1 in United States

I pay rent after each month to one of my roomate - she is the "landlord" of this condo room, i guess.....

Did I had to pay before the month started? or after the month was over? or was it all up to US to decide?

2007-09-21 12:43:35 · 6 answers · asked by ooo g 1 in Renting & Real Estate

I can find charts which show stocks according to historical price performance.

I'm trying to compare them according to FUNDAMENTAL values, then plot a trend and make comparisons.

Does S&P or ValueLine or any other source offer this info?

2007-09-21 12:43:14 · 4 answers · asked by tolstoi1 3 in Investing

like this one?
http://eshop-48.com/index.asp
if so then wow...bloody bargains here...but what's the chance of it all being a big con?

2007-09-21 12:42:02 · 2 answers · asked by ribena_wrath 3 in Other - Business & Finance

We all know that that kid who caught the ball was unable to keep it due to the tax implications.
So my question is, if it does end up in Cooperstown will the baseball hall of fame have to pay the same amount?
Or is that something that is "special" for the citizens and backbone of this country?

2007-09-21 12:37:35 · 3 answers · asked by Atomic Viking 2 in United States

Would it be concidered rude to fax a copy of my resume to the company's in my line of work in my area?

2007-09-21 12:37:08 · 26 answers · asked by gettingby101 1 in Administrative and Office Support

I am trying to decide if i should be a Carpenter or a Mechanic. Now, I mean any kind of mechanic not just the ones at goodyear. Also any type of carpenter, framing, finishing, cabnet making., ect. As far as I know is that carpenters can make better money in the long run and I could eventually become a foreman or even a project manager. The thing that worries me is people say that the union isn't very reliable and you can be out of work for sometime. Also people say it is dangerous. (I think only because you have to work around poeple in the union). Now being a mechanic I think I wouldn't make as much, and I would always have to work for someone and never start doing my own thing. However, I figure its less dangerous and more stable. My gandfather was a carpenter and killed himself making his own houses after work, but he made alot of money that way. I would like to eventually make around $70,000 a year. Also I live in Sacramento, California.
People who know let me know???

2007-09-21 12:36:48 · 3 answers · asked by Anonymous in Other - Careers & Employment

approval

2007-09-21 12:35:11 · 9 answers · asked by ideame 3 in Renting & Real Estate

I was wondering what percentage of a salary can IRS garnish per pay period? Some say 10%, Some say 15% while others say 25%. would appreciate to know the facts. Thanks

2007-09-21 12:34:48 · 3 answers · asked by sadealz 3 in United States