Business & Finance - 4 October 2007

I recently joined a credit counseling service because I am a college student that got way in over my head with credit cards. I was painted into a corner and had nowhere else to turn- so first and foremost I do not regret doing it. When my dad found out, though, he went ballistic. He said I basically had just filed for "partial bankruptcy" and it would kill my credit score. I've read other accounts that say that credit counseling shouldn't hurt your credit. I really want a definitive answer on this. Does it hurt your credit or not? And if so, how badly?

2007-10-04 14:31:51 · 4 answers · asked by Anonymous in Credit

I didn’t file taxes for 2005 or 2006. I moved around a lot during at that time and had a hard time keeping track of my W2's and not loosing them. One major place I worked for doesn’t even exist anymore (the Maytag call center “Randstad”, is gone now that whirlpool took over) and they sent my W2 to the wrong place! Now there is no one I contact to get another one. I need to know the best SAFE way to request my back W2's for 2005 and 2006. I don’t care if it costs a fee but I want to file for these years when I file for 2007. I'm 99.9% positive I'm owed money back for these years and I don’t want to loose out now. I guess you could call me a power procrastinator. Can anyone tell me the best way to get copies of my W2’s before tax season? I've tried looking on my own at irs.gov and all I found was a form for back returns that included a copy of the W2's. I didn’t file so that wouldn’t work for me right? Any help would be greatly appreciated!!!

Thank you!!!

2007-10-04 14:31:44 · 8 answers · asked by Mrs. B <3 5 in United States

2007-10-04 14:24:37 · 7 answers · asked by Anonymous in United States

The washing machine I own malfunctioned and flooded part of the apartment I rent. The landlord is billing me for charges incurred for replacing the carpet padding and providing blowers to dry the carpet.

I have renter's insurance and have been told that the damages should be covered by the liability portion of it.

I asked the rental office's manager to file a liability claim with my insurance company, but she refuses to do so and wants me to pay the bill right away.

I have also been told that I can not file this claim against myself. Is this information correct? If so, what should I do?

2007-10-04 14:15:47 · 6 answers · asked by Elena 1 in Insurance

If your rent that is due on the 1st and late on the 5th , a three day pay or quit is deliverd on the 3rd or 5th?

2007-10-04 14:13:50 · 5 answers · asked by sunshine 3 in Renting & Real Estate

My aunt lost her job and since i live with her her bills became mine putting me way in debt with my bills.I have two pay day advances out and no way to pay them back they both refuse to wait till my next payday,and i have no one to get the money from.They both said if i didn't have the money in 3 days they were depositing the checks.I don't know what to do can i go to jail since they were checks?what's going to happen to me i can't pay them till next payday.Should i talk to a lawyer?

2007-10-04 14:12:51 · 2 answers · asked by Anonymous in Personal Finance

What is a simple way to keep track of ebay and website sales for a small business, no employees, homebased, no paychecks or anything, just sales and purchases.

2007-10-04 14:03:27 · 5 answers · asked by dester 1 in Small Business

I have roaches in my current apartment. There aren't a LOT of roaches (I have SEEN 5 or 6 total within 3 months, 4 or 5 alive and one dead, but where there are 5, I'm scared there are 5,000) but I am worried that they'll get into my boxes and things and come with me when I move. They are the reason I'm moving out in the first place, my management isn't really taking care of the problem and I feel gross. Is there anything I can do to help prevent them from coming with me? Suggestions welcome.

2007-10-04 14:00:57 · 11 answers · asked by tasha 3 in Renting & Real Estate

I know Bank of America and La Salle have merged, so can I use a La Salle ATM to deposit into my Bank of America account yet? My friends say I can deposit into any ATM as long as it will read my card and PIN, I just will be charged a service fee. There are no Bank of America ATMs or branches where I now live.

2007-10-04 13:57:55 · 9 answers · asked by Sophra 3 in Personal Finance

2007-10-04 13:55:52 · 1 answers · asked by SweetMelissa990 1 in Other - Business & Finance

I am taking on a side job I can either contract as a 1099 employee or be paid as a employee. I make a decent income and so does my wife, so what about the tax consequences?

2007-10-04 13:53:37 · 5 answers · asked by Steven S 1 in United States

2007-10-04 13:42:56 · 14 answers · asked by kang1972ad 2 in Other - Careers & Employment

My current job is stressful & sometimes have trouble paying on time. The second job is substituting (same hours) and it is fun, less stressful. But the money is not the best. I am having trouble making a decision please help.

2007-10-04 13:42:09 · 4 answers · asked by Mickey 1 in Other - Careers & Employment

You sign up for a new Credit Card...
the agent tells you about some "Special Programs" that
are available to you...
for example:
1- Payment Protection
2- Identity Protection

You know you DO NOT want them...
You know you would NOT and HAVE NOT authorized them...
Yet, they appear as charges on your FIRST STATEMENT.

This has happened to me before, and has just happened again...
the (monthly) charges are $11.99 for one and $16.49 for the other...

I'm in the process of cancelling both...

How common is this for charges that you DO NOT want and
you never authorized to appear on your statement anyway?

2007-10-04 13:34:33 · 4 answers · asked by GeneL 7 in Credit

My cousins are trying to kind of start their own company well not company but they want to make and sell things and they are 11 and 12. They came to me for help on figuring out what they should do but I'm not sure so do any of you have any Ideas?

2007-10-04 13:34:18 · 1 answers · asked by Anonymous in Small Business

My friend did his taxes on a website twice once claiming the info from the 1099, once without claiming it! He found out he would get more money back by not claiming it! What could happen if the irs found out?

2007-10-04 13:31:21 · 9 answers · asked by mbutterfly 1 in United States

2007-10-04 13:27:55 · 15 answers · asked by sayfee2k 1 in Credit

2007-10-04 13:24:56 · 2 answers · asked by yea 1 in Small Business

Im still confused can a creditor levy bank accounts after the statute of limitations if they have a court judgement or would this action be unlawful?

2007-10-04 13:22:11 · 3 answers · asked by garynandra 3 in Personal Finance

2007-10-04 13:19:45 · 7 answers · asked by Araceli 1 in Credit

I've been a bank teller for 3 months and just recently started feeling like I know what I'm doing. These past 3 months I've felt like quitting because I was always asking lots of questions but today something just "clicked" and I really felt confident and like I've really caught on.

Is this common? I've felt like such an idiot for the past 3 months. Is it normal to take 3 months to really "catch on" or am I just "slow"?

2007-10-04 13:15:48 · 6 answers · asked by Katie 4 in Other - Careers & Employment

please help! thanks

2007-10-04 13:14:48 · 1 answers · asked by sai-sai 1 in Personal Finance

Im renting out a room in a house and they want a security deposit. There is no lease to sign however. Is a verbal agreement enough?

2007-10-04 13:13:48 · 4 answers · asked by juju 3 in Renting & Real Estate

i have found a house that has been vacant for over 8 months it needs work but is liveable now . how long and how many improvements must be done until i can file to take owner ship. I live in salt lake city

2007-10-04 13:13:24 · 6 answers · asked by thormac694u 1 in Renting & Real Estate

Amy Martinez is a student who plans to attend approximately four professional events a year at her college. Each event necessitates a financial outlay of $100–$200 for a new suit and accessories.
After incurring a major hit to her savings for the first event, Amy developed a different approach. She buys the suit on credit the week before the event, wears it to the event, and returns it the next week to the store for a full refund on her charge card.

2007-10-04 13:12:27 · 3 answers · asked by Michael P 2 in Other - Business & Finance

ok my sister and i were discussing jobs we would like..then she was like she wanted a job that includes the stuff below can you tell me any professions you know that offers this?

Vacation and free time
Handling clients
Being able to express your creative skills
Flexible schedule
Making 100,000-200,000
And just interresting and fun
I was telling her i can't think of any but she think thats possible....

2007-10-04 13:11:28 · 11 answers · asked by young truth 2 in Other - Careers & Employment

the neighbors houses are dumps. there is trash everywhere, old junk cars, ect. I had over 50 people come and look at my house, and they all loved it, then looked next door, asked if people really lived there, then left. Not one offer from over 50 people who looked. i have no idea what to do? is there any legal action that i can take? i do not have a lot of money to pay a lawer. Please Help!!!!

2007-10-04 13:09:02 · 9 answers · asked by William W 2 in Renting & Real Estate

Do you need ID to own a credit card?how can a minor get an ID if you need one?

2007-10-04 13:06:03 · 3 answers · asked by Anonymous in Personal Finance

I need a place where I can live and work,at the same time.

2007-10-04 13:03:49 · 2 answers · asked by rensa 2 in Renting & Real Estate

I'm interested in:
- education required
- experiences needed
- salary
- hours (daily/weekly)
- best/worst aspects of job
- how job fits personal life
- future outlook

for:

- elementary school teacher
- financial advisor
- accountant
- any other job in the financial/banking field?

2007-10-04 12:58:19 · 5 answers · asked by vaiogirl 3 in Other - Careers & Employment