Business & Finance - 30 September 2007

Hello all,

Just need some advice...

Have a Northern Rock 5 year fixed rate mortgage (ends Feb 2011) with early redemption charge. What do you folks think about jumping mortgage lenders at this point in time considering the fact that there may not be a buyer, or that JC Flowers/Cerberus/Lloyds TSB buy them out? Also if they go into administration - how will this effect mortgagees?

Thanks in advance,
K

2007-09-30 23:54:31 · 3 answers · asked by Anonymous in Renting & Real Estate

Cost effective ways.
Small budget in comparison to large corporations.
Product to be sold on a national scale.
Any marketing agency names?

Thank you.

2007-09-30 23:50:46 · 5 answers · asked by balooooeee 2 in Search Engine Optimization

2007-09-30 23:34:00 · 14 answers · asked by Anonymous in Other - Careers & Employment

Indeed, he take 200£ on my deposit to clean but the house was perfectly cleaned by a professionnal... So I want to inform authorities of his fruad, but who?

2007-09-30 23:30:43 · 14 answers · asked by JJFFFM 1 in Renting & Real Estate

I've given CPT and scored 168 marks.I want to do my articleship in big firm.But i've no contacts.Please help

2007-09-30 23:27:01 · 1 answers · asked by manish007_didwania 1 in Other - Business & Finance

how it dampens the inflation rate?
additional question:
what is lending rates and borrowing rate?

2007-09-30 23:19:51 · 4 answers · asked by Gwapings 1 in Investing

2007-09-30 23:18:53 · 3 answers · asked by sha 1 in Credit

or a normal mortage, i have never had a mortgage before, i am on DLA not with the best credit
thank you

2007-09-30 23:12:54 · 5 answers · asked by Anonymous in Renting & Real Estate

Thanks for all you help guys

2007-09-30 23:11:55 · 4 answers · asked by gerry m 1 in Small Business

2007-09-30 23:10:57 · 8 answers · asked by _Br!hter_ 2 in Other - Careers & Employment

sorry this probably sounds like a really stupid question...

In the US, if I have a lot of small change, I can go to the bank and get rolls to put them in (not that many people do this). Are the same rolls standard in the UK? Do banks give them out for free?

Here is a picture

http://www1.istockphoto.com/file_thumbview_approve/2545825/2/istockphoto_2545825_paper_coin_rolls.jpg

2007-09-30 23:06:08 · 7 answers · asked by mário 2 in Other - Business & Finance

I just transferred 2 credit card balances to a better credit card - lower interest rate and cashback rewards.. Now, I have these 2 $0 balance Visa and MC credit cards, as well as a Bloomingdales and Pottery Barn credit cards that have been $0 balance for years, I think.. Is it better to keep $0 balance credit cards open, or is it better to close them, in reference to my credit score.?

2007-09-30 23:03:37 · 10 answers · asked by mj'smomma 1 in Credit

the names of the agencies and the owners' name

2007-09-30 22:55:59 · 4 answers · asked by nidhi 1 in Search Engine Optimization

Okay, my children go to a religious elementary school which is a valid nonprofit organization.

I get a tuition discount from them.

Can I donate to the school and deduct the donation from my taxes? I know that I can't deduct tuition.

There is currently no agreement (written, oral, or even suggested) that a donation is any kind of compensation for my tuition discount.

My questions are:
1) Can I deduct the contribution?
2) Even if it is legal (or illegal) to deduct the contribution, what is the likelihood that the IRS would investigate myself or the school as a result of doing this?
3) Can I use my donations as a bargaining point for bigger tuition reductions in the future? Presumably, they would get more money if they lower my tuition and I donate more, due to tax deductibility.

-->Adam

2007-09-30 22:53:46 · 4 answers · asked by great_and_mighty_adam_levine 4 in United States

(she is in a home) daughter has not yet finalised Power of Attorney. Should the house have been put up for sale and taking offers without this Power of Attorney as it is at least very unfair to us tofind out (after paying out for a Survey, etc) that it will be another few weeks before the seller in a position to proceed! We went ahead cos we thought this would be a quick transaction. I don't think Power of Attorney takes long anyway but who can we blame for this hold up?

2007-09-30 22:51:48 · 3 answers · asked by sue w 2 in Renting & Real Estate

apparently, I am being told that zara/inditex has recently bought/leased ships where it has set up factory workfloors to enable manufacturing to take place on the journey from Asia ( where they buy the material) to Europe (where they sell)

2007-09-30 22:50:53 · 2 answers · asked by ernie james 2 in Corporations

2007-09-30 22:42:20 · 14 answers · asked by jeanie 2 in Renting & Real Estate

I have got e-mail form uk national lotry: *** YOUR E-MAIL ADDRESS HAS WON **. is it true.they told me to reply with my personal detail.Should i contact to this lotry.
this is information of agent.please conform that is it real?
Contact Fiduciary Agent:
Dr Pinkett Griffin
E-mail: contactcustomercarecenter@yahoo.co.uk
TEL +447-0457-38321
+447-0457-31268

2007-09-30 22:30:36 · 3 answers · asked by Devmani milan 2 in United Kingdom

please someon halpe me and translate the documents for living and work in canada

2007-09-30 22:29:49 · 3 answers · asked by Anonymous in United States

I been injured sence 1/19/07.At first I did not get an attorny bcouse I was told id be taken care of by the insurance co.Well 4 month into it I was cut off with no explenation or fearther care basicly found out when I went to refill my perscription the pharmsist told me i didt have coverage.I got the attorny and got medical care again.Their has been a few issues I feel arnt fair or just.4 starters the insurance co is sending to a Dr 2 hours away!that means a 4 hour car trip a min of every 2 weeks.My injury is in my lower back so this is a painfull trip.when asked why I couldnt see a dr in the local area I was told the insurance co just dosent use those dr and they didnt feel comphertable useing dr they wernt fermairler with. Iv had 3 crysis sistuations where I was afflected by accut extream pain that required an emergcy room visit I recived a bill today saying it was an unortherised visit and they were not going to pay the bill?Im wondering can they do they do that?

2007-09-30 22:27:51 · 2 answers · asked by christine h 3 in Insurance

i rent it part of my house and renter did not pay two month of rent by agrement.i am tryin to use cort but they does not care and by losing time i am bihind my bills and i am in troble to lose house and go bankrut is it any ohe can help me

2007-09-30 22:24:07 · 3 answers · asked by sergei l 1 in Renting & Real Estate

Inheritance tax should be kept or maybe even increased?

2007-09-30 22:02:28 · 5 answers · asked by Anonymous in United Kingdom

I buy a stock, and i want to decide exactly when will i sell it at the time of buying.
if i make the selling criteria absolute, for example, i sell it in the minute it adds 20% to its value, or the minute it loses 15% or its value, i am actually not taking into account what the index of that stock did, lets say i hay a fix portion of my portfolio in stocks, and i bought a nasdaq stock, and sold it because it gained my 20% while the nasdaq in that time gained 25%, so selling it and buying another stock would be pretty stupid.
can you please share your system, wether its absolute (not taking in to account the index) or relative to the index(do you take just one index and so on)
thanks in advance

2007-09-30 21:51:19 · 6 answers · asked by elid1979 2 in Investing

I bought these shares some time ago and they dropped in value so I am wondering whether I should hang on to them or just get rid of them. Please help if you know anything about shares...unfortunately I know very little :(((

2007-09-30 21:43:34 · 1 answers · asked by Anonymous in Other - Business & Finance

I am 95% positive he has used it several times. I leave my wallet out on my desk and I know when I've been sleeping. My online statement will say I've been to McDonalds, walmart, etc...with only small transactions. The time/date is when I was sleeping. I don't want to press charges, but I'd like to find out before I go accusing him because of course he will deny. Is there any way I can get surveillance tapes from these places to see if it really is him? It could be someone else that comes by the house, or maybe I sleepwalk or just have a really really bad memory...but that is HIGHLY unlikely...

2007-09-30 21:19:44 · 9 answers · asked by PP 1 in Credit

2007-09-30 21:02:36 · 7 answers · asked by dario n 1 in United States

the sort of job that makes you happy getting up and going to work?

2007-09-30 20:54:24 · 23 answers · asked by Jenny_USA 1 in Other - Careers & Employment

2007-09-30 20:49:41 · 6 answers · asked by breche.1 1 in Credit

Paid $1400 for salaries due employees, of which $900 is for september... Im suposed to do a a general Journal entry for this and dont know what to do. Please help!

2007-09-30 20:48:30 · 2 answers · asked by Christopher B 1 in Other - Business & Finance

My dear Mum struggled financially as her savings were so low but we have just had to give over 32,000 to the chancellor as house was over £280,000 wher she died just before Christmas. Its very upsetting.

2007-09-30 20:46:04 · 7 answers · asked by Anonymous in United Kingdom