Business & Finance - 10 October 2007

We will be buying a mobile home in iowa, cedar rapids vicinity in the summer of next year. Once we sell the house we currently own, pay off our van and pay the realtor we will be left with 27-42,000 depending on what our home goes for(based on comps selling prices) we expect it to be in the upper range as the lower priced ones all needed alot of work. With this we can buy a really nice one or we can buy say a 15,000 16x80 with 3 beds and replace carpeting, and still have plenty to put in savings that we could live on partially while we go to college and not work as many hours per week, we have three small children and are worried we will miss alot if we work and go to school to the extent we would otherwise need to, lot rent is 270 a month and includes water currently just our taxes and insurance and water run 260 a month and our interest is 350 or so, thus we would save alot but would we be better off with the newer double wide fancy one in 5 years for resale?

2007-10-10 12:50:14 · 4 answers · asked by Anonymous in Renting & Real Estate

I received a card in the mail from first national card. According to my investigation on this company, it is not a good company. How do I immediately desactivate my card?

2007-10-10 12:46:28 · 2 answers · asked by lyndsay 1 in Credit

ok, im 16, i put in my application yesterday and today i went in and they told me to come back tomorrow and ill do "workers experience" :)

i guess that means im hired lol ?
ive never worked anywhere except for a drycleaners.
ill probably be bussing tables.. anyone who busses tell me how it is please

2007-10-10 12:46:11 · 1 answers · asked by Anonymous in Food Service

And that behind person took in a nother person who got Evicted From apt, What would you say? or would you not say anything?

2007-10-10 12:45:18 · 3 answers · asked by little sparrow 2 in Renting & Real Estate

This seems like the logical thing to do but maybe its not professional enough, is the email itself ok to be used as the cover letter or should I make it a seperate attachment like the CV?

2007-10-10 12:45:13 · 3 answers · asked by Anonymous in Other - Careers & Employment

I'm selling a sofa on craigslist and need some advice on this response:

"I got a correspondence from my financial agent that he has sent you
the check. The amount on the check is a little higher than the normal
amount, this is so because after the check clears your bank and you
deduct
your money, the difference would be sent to my freight forwarder who
will
also come for the pick up of the item.
Do let me know when you receive the check, also let me know if you
have
deposited it and when bank says you should come for the funds. You can
contact the freight company via :-

Waiting to hear back from you.
Thanks for your services..

2007-10-10 12:45:12 · 8 answers · asked by leclercnlakenona 1 in Credit

Can employer provided health insurance be cancelled if a doctor has put you off due to an illness for over 2 weeks?

2007-10-10 12:43:57 · 5 answers · asked by Kelly G 1 in Insurance

I know that 1 dollar is equal to 117 yen. So lets say a medium drink costs $1.00. If I go to Japan will a medium drink cost 117 yen or can I buy 117 medium drinks. I'm confused.

2007-10-10 12:41:42 · 1 answers · asked by fiddle_stick 1 in Other - Business & Finance

2007-10-10 12:36:47 · 0 answers · asked by audi9202 2 in Renting & Real Estate

I have lived in an apartment building for 8 years. Instead of normal carpet, my apartment had that thin commercial carpet. My cat became a carpet terrorist on the stairs thinking it was a scratching post. Plus I had a pull that my vacuum ate up one day and left a line in the carpet with a missing thread in the living room. There is also a stain that I could not get out oustide the kitchen. But these happened over 8 years which I think is reasonable.

As I said, I haved there 8 years. The carpet was not new when I moved in. It was atleast 1-2 years old. I understand it got ruined and will need to be replaced, but I don't think that I should be responsible for giving the landlord new carpet. Even if it didn't have these problems, the carpet would stil be 9+ years old. If I am charged, shouldn't it atleast be a depreciated rate? Would this be something I could bring to small claims if I am charged the full replacement cost?

2007-10-10 12:36:02 · 8 answers · asked by Colonel Chaos 2 in Renting & Real Estate

I am sending a letter to my ex landlord who 32 days after we vacated sent us an itemization of security deposit and is charging us for 12 months of water. I am disputing the charges and wrote her a letter but don't know how to close it up. Thanks is advance!

2007-10-10 12:32:08 · 5 answers · asked by Prisky 2 in Renting & Real Estate

My buddy is currently trying to sell his house and he's stuck with a horrible Real Estate Agent. He's trying to think of any way to get out of his contract with the Real Estate Agent, rather then be stuck another 2 months with them. He noticed a mistake made on the contractual paperwork. The Real Estate Agent signed his name in the 'date' field and there is no signature in the 'signature' field. Is that enough for him to contest the validity of the contract and give him a shot at getting out of the contract?

2007-10-10 12:31:18 · 6 answers · asked by ? 5 in Renting & Real Estate

It is a career that requires both creativity and dedication so I imagine it's pretty difficult to break into the market. What courses should I do at university and how can I prepare myself for a lifetime of spruiking?

2007-10-10 12:24:57 · 2 answers · asked by Gruntled Employee 6 in Marketing & Sales

2007-10-10 12:21:47 · 9 answers · asked by Anonymous in Personal Finance

nothing like owning my own business, more of the lines of when i have the day off. my job Iam working at now is doing work share with the state so i have speratic days off. such as next week i have weds and thurs off.

2007-10-10 12:19:41 · 1 answers · asked by Anonymous in Other - Careers & Employment

If banks are having trouble finding money to loan out, shouldn't they be offering higher interest rates on their savings accounts to attract more money? Instead, interest rates have gone down recently. Does the Fed's rate cut overwhelm any extra money they might have gotten from savings accounts?

2007-10-10 12:15:55 · 3 answers · asked by rainfingers 4 in Corporations

I have a chase credit card for school, that i recently paid off completely. Today i got a bill for 600$, because somebody made cash advances. My account has been switched and the old card cancled. My question is, how will they know who comitted the crime, and will i have to pay for them?

I have a feeling it was my little sister, as she has been walking around with loads of money, shes done it before, but i dont want her in trouble because she my sister.

Also how will they prove its her?

2007-10-10 12:03:20 · 8 answers · asked by MOMMYS-TWINS-ARE-IN-HEAVEN 4 in Credit

Here's the skinny: I'm 25. I made good grades in school and went to college for a time before I dropped out. I have a relatively successful career in Marketing, but it isn't exactly what I pictured myself doing for the rest of my life. I have an aptitude for logic and details as well as public speech and communication in general.

I am not currently enrolled in college. But, here we go. I've always been interested in law.. but never really -really- considered it as a career path before. However, I'm getting older.. have a family.. and am, to a certain degree, unfulfilled by my current career path. Also, I'd like to make more money. Though, by the time I actually graduated law school, my salary would probably be comparable to a recent law graduate.. probably a bit more.

So, what are the chances of me going back to school and making it? Would it take me more than 7 years, could I do it in less? Is there a such thing as a"happy" lawyer? Anyone go to law school "later" in life?

2007-10-10 11:55:25 · 6 answers · asked by Edgler V 1 in Law & Legal

2007-10-10 11:51:58 · 9 answers · asked by kitty 2 in Insurance

Or do you only have to pay taxes on what you convert to cash? For example, say someone has $5,000 in their e-gold account and uses only $1,000 of it on a debit card. Do they pay taxes on the $5,000 or the $1,000?

2007-10-10 11:47:49 · 2 answers · asked by kfount400 2 in United States

Someone at my work told me that 401K is guaranteed money but I always thought that it really depended on how well your investements were doing that determined your pay out at retirement. I told him that you are not guaranteed anything and you could actually loose money with a 401k if the market does very bad. This is true right, I think the misconception people have is that 401k is guaranteed money. I am not against it and I invest as much as I possibly can in it, but I wanted to make I was telling him the right thing. to me, 401K are more like potential supplments for retirement. Any help would be appreciated regarding 401K. Thank You

2007-10-10 11:44:02 · 5 answers · asked by Anonymous in Personal Finance

so i was walking home and me and my friend saw a paper/flyer it was advertising a job for teens 14-18 with 150-350 a week( i think) so i called and they are like name, age, city so i did it(sounds like a stupid decision now) and then like they called me an hour ago asking if i was interested in a job and then they are like " we'll pick you up at 4:30 tomorrow for training" i found out its for the orange county register/ oc post and they were talking about giving amusement park tickets and stuff and then they are like if you feel comfortable with a friend thats cool bring them along if you want and i was told that three other people have like reserved for it so yeah umm just in case you guys want to call to see if this is a faulty or something the number is(714) 277 2797 so yeah i hope you guys can help cuz i dont want to get like kidnapped or something... oh and they asked if my parents were fine with it so yeah...:/ i thought it was a good idea but now im thinking it might be a bad 1

2007-10-10 11:43:43 · 5 answers · asked by rawr82 2 in Other - Careers & Employment

My sole income is my retirement of $1800/month in S/S, The IRS is taking out $1100/month leaving me $700 net per month for rent, utilities, etc. I don't own a car or house and have no tangible assets. I have been relying on my S/S check and it's getting very difficult to live. Isn't there a maximum limit they can take out per month. They've been taking the $1100/month for well over a year and I'm starting to hurt. Do I have any choices or options? Thanks.

2007-10-10 11:41:00 · 6 answers · asked by kenilworth209 1 in United States

I am going to Japan next summer, and will be needing extra cash.
Im going to bring my credit card with 1k on it for expenses. But I also want another credit card with another at least 1k on it for more expenses and food.

I see a lot that say 0% APR for first 6 months (on purchases and transfers etc)
Is that interest? does that mean that if I buy something today, it wont charge me interest until 6 months pass?

Does that also mean. that if i get the card today. but i dont make any purchases on it until June 2008(9 months) will the 0% apr still count? does it start from when i get it..or from my first purchase?

2007-10-10 11:39:35 · 4 answers · asked by Anonymous in Credit

I am 30 years old. I am considering going to school to be a nurse. At what age would I be finished with my studies if I went to nursing school? Also are there a lot of male nurses? Not that it matters but the two things I am considering right now is either being a Toronto police officer or go into nursing.

2007-10-10 11:30:58 · 10 answers · asked by Anonymous in Health Care

I was told that its illegal for section 8 tenants to pay out of their pocket for the difference in house rent . For Example: if the rent is 2500 and the Hud pays 1800, then the tenant cant pay 700. Is this true? Also, does this mean, if a landlord does accept the delta payment, he could potentially be sued?

Thanks.

2007-10-10 11:28:00 · 2 answers · asked by Pam R 1 in Renting & Real Estate

2007-10-10 11:26:12 · 3 answers · asked by RAJA 1 in Corporations

Okay...so I pay a little bit more then the minimum fee every month and my balance still never seems to go down!!!! Last month I paid $100 and my balance only went down about $30! All the rest went to finance charges. I'm living pay check to pay check and I can't afford to pay much more than that. This card is killing me! I asked the company (WaMu...previously Providian) to lower it. But they said no. I've gotten denied for other "blance transfer" offers I see online. But my credit is decent (about 670). I owe about $3500 on it and I've been stuck at that amout for months. And I don't even use the card anymore.

Does anyone know of any good card i can do a balance transfer on? Or any program for smaller debt relief? I feel so hopeless.

2007-10-10 11:24:48 · 9 answers · asked by Josh 3 in Credit

I worry sometimes about my money's soul. I want to make sure that my money's soul is saved so that it will go to Heaven with me. What would be the point in going to heaven if I had to eat at the buffet every day? I want that money so I can dine out in style once in Heaven, so please, tell me how can I Save my Money?

2007-10-10 11:24:26 · 5 answers · asked by Anonymous in Personal Finance

I'm in the states with a cultural exchange program. My visa expires next december, but after that I would like to join the Navy, Army, Airforce or Marin Corpse as an officer. I have a degree from college and completed other courses. What should I do to get a job if I'm not a resident. Can they help me to get the visa or something? If not, what should I do?

2007-10-10 11:22:57 · 3 answers · asked by Anonymous in Other - Careers & Employment