Business & Finance - 15 October 2007

We live in a 900 square foot 2 bedroom house. The current layout is this - You walk in the front door into the living room. From the living room, you walk into the dining room, and from the dining room to the kitchen (these rooms are all one in front of the other in a straight line, with the kitchen being at the back). There is a hallway off of the dining room off of which are the bathroom and 2 small bedrooms . We are thinking about adding onto the back of the house (25 to 30 feet) - making the kitchen bigger, making a family room and master bedroom and 2nd bathroom (the kitchen extension and the family room would line up with the present kitchen), but would it seem wierd to have to walk through the kitchen to get to the addition which would accomodate the family room, master bedroom and 2nd bathroom (the doors to the bedroom and bath would be off the family room)? Would this layout affect the resale value of the house negatively? Help please! Thanks in advance!

2007-10-15 08:14:44 · 12 answers · asked by ~*Mrs. GM2*~ 5 in Renting & Real Estate

How can i get easy money fast without giving to money back from whom you got it from?

2007-10-15 08:10:22 · 6 answers · asked by Anonymous in Credit

2007-10-15 08:07:47 · 2 answers · asked by annabelle@yahoo.com 1 in Small Business

I recently purchased my father's house and I am the owner with my brother added under me. When it's time to do our taxes, can we split the mortgage payment to file with our taxes? what about the heating, electric, and phone bills, can we file them?

2007-10-15 08:05:25 · 5 answers · asked by Mai 1 in United States

Shipping & handling was added to the price of my order & then the tax was applied, can this be right

2007-10-15 08:02:09 · 7 answers · asked by budson45 1 in United States

I'm thinking of selling my home for not less than $250K and buying one for $275K. My current mortgage has $164,145 outstanding. I bought my current home for $215K. Is there some formula I can use to figure out how much I need to finance. I also want to pay off $24000 in credit cards and keep about $4000 for a rainy day. I need to pay for moving and closing costs also (I'm in CT). The taxes on the new home would be $3410. Anybody know how to figure this out. Never was any good at stuff like this.
Thanks in advance

2007-10-15 07:57:56 · 3 answers · asked by Anonymous in Renting & Real Estate

off that you had the caused the overdraft with. How do you go about opening a new account with a whole new bank without paying off the other bank? Isn't that illegal or something?

2007-10-15 07:55:16 · 19 answers · asked by keisha 1 in Personal Finance

I have a manufactured home that I've been in for about 4 years now and I'm looking to get out of the mortgage and the rent agreement. It's only worth $17000 and I just want to get rid of it but I don't know how. Can someone shed some light on this situation for me please.

2007-10-15 07:53:59 · 2 answers · asked by level_9yo 2 in Renting & Real Estate

if the irs/ income tax code are set in stone, why then do you have so many people challenging the irs, with the argument about fedreral enclaves, sovereign citizenship, the non legal ratification of the 16th ammendment,the omb number issue,
the voluntary aspect of taxes,juridiction issues , about common law vs. universal comercial code?and all the retoric from the ex-irs agents that say they can not find the law that says you have to pay taxes , even when a 50,000 $ reward was offered in a newspaper?and I actualy watched a video of a former director of the irs that would not answer the question , but referred back to the tax code over tabbaco etc.?
I do not understand how there could be so many arguments out there , with no clear answer and no onre in the government
saying anything more than the tax code will be enforced?
any answers will be appreciated.as well as the reports of large refunds to companies that are now refusing to even withold employee taxes.

2007-10-15 07:53:20 · 7 answers · asked by CHRIS S 2 in United States

I am looking for a HELOC to use instead of my checking account. I'm not looking for input on whether this is a good idea, but where to find a HELOC that will meet my specifications in that it acts like a checking account. They are:

- Low fees and APR.
- All standard checking access points, such as checks, ATMs, electronic bill pay, etc...
- No minimum withdrawal - I can pay a $3.72 bill with it.
- Interest computed on average daily balance, or daily.
- Can deposit funds electronically using routing/account number.
- Accepts direct deposit.
- Notifies you if balance is negative (you paid more than you owe).

I am basically looking to use this HELOC as my primary account instead of a checking account, so I want as many of these features as I can find.

I'm basically looking to manually build something similar to a mortgage accelerator/money merge product, but without the high fees and interest.

-->Adam

2007-10-15 07:44:07 · 3 answers · asked by great_and_mighty_adam_levine 4 in Credit

like buy it down in oregon and i live in washington so bring it to washington

2007-10-15 07:36:39 · 4 answers · asked by Brian J 1 in United States

A good friend of mine has an uncle that owns a company that manufactures canned and frozen vegetables. They are currently being inspected by the FDA and my friend says that if they find a few secretly known serious code violations, then the company will likely shut down (obviously decreasing the value of the stock) for an indeterminate period of time.

I have a lot of stock in this company and right now it's going up, and he says I should ride it until about the 17th and then sell it all. Then, after the company nosedives buy it back. It really does sound good when you first think about it, but I'm wondering if there are any hidden dangers here I should avoid. I really don't want to lose any money in this whole thing.

Anybody have any ideas?

2007-10-15 07:30:29 · 9 answers · asked by Anonymous in Investing

We built a house 4 years ago and now we're selling to move to another state. My relo person said I need to forward the 'abstract of title' to the lawyer... that's fine but do I even have one since this is new construction? I'm the only owner of this house, ever...

Also - is the deed to the house the same thing as an "abstract of title" ?

*as you can see I'm very confused.... thanks.

2007-10-15 07:30:01 · 3 answers · asked by South Shore 1 in Renting & Real Estate

2007-10-15 07:28:51 · 4 answers · asked by Anonymous in Other - Business & Finance

shortly before my husband and I met, he purchased a condo with his mother as a cosignor. (he didn't have bad credit, just not enough - he was 23 at the time) Now 3 years later we want to sell, but his mother thinks we should stay where we are. Do we legally need her involvement to sell the condo? We've only been married 4 months, and I am not on the mortgage.

2007-10-15 07:27:58 · 7 answers · asked by Anonymous in Renting & Real Estate

you see my height is 5'0 . and i think im too little to get a job. in toys' r' us. this year. you see toys'r'us' call and said they would like to see me for a job interview this week. but you see im scared because i think i am too short to get a job in 'toys r 'us.. also i have little arms and i think i will have to do stock. since that what i put on the paper. i would love to do that in toys 'r 'us.. but am i too little for this job. what do you think help. also i am 22 yrs old man so help. i need this real bad to help pay the bills for my mom. but im scared im too little . but i need the money real bad. ps i do not want to look like a kid if i get the job.

2007-10-15 07:27:54 · 11 answers · asked by Anonymous in Other - Careers & Employment

I learning about all these credit card companies who don't like customers who have no debt. Is it better to be in debt or not?

2007-10-15 07:25:04 · 6 answers · asked by sleepy 6 in Personal Finance

Because the program is considered non-credit, I don't qualify for FAFSA or a student loan through the government (as far as I know). I'm fairly young, so I have little (probably no) credit history and, unfortunately, everyone I know has bad credit so I have no cosigner. Even though I'm a full-time student, I'm not a dependent because I am also a mother. Any suggestions?

2007-10-15 07:22:45 · 3 answers · asked by whoppers1029 1 in Credit

I filed an extension.. are they due today? (Oct 15th). And so.. I just need to get it in the mailbox today.. right?

2007-10-15 07:17:40 · 4 answers · asked by ? 1 in Other - Taxes

I know that the taxes coming out of my check supposedly goes to social security and medicare, however, when you buy something in a store or when you pay taxes for gas, where does that money go? Just curious.

2007-10-15 07:13:28 · 5 answers · asked by Essie 6 in United States

My sister is going to buy a computor it will be her first but she is not sure of the best deal so would like some advice Thanks.

2007-10-15 07:11:59 · 4 answers · asked by Casey 2 in Renting & Real Estate

The hospital wants to bill me directly without submitting the claims to the insurance company. The reason is that according to the contract between the hospital and the insurance company, this charge is incidental fee and should not be charged to the patient. But the hospital wants to collect the fee directly from the patient without following its contract between the insurance company.

How should I deal with this situation?

2007-10-15 07:01:12 · 6 answers · asked by Canadian 1 in Insurance

WHICH ONE WOULD YOU CHOOSE AND WHY? any input will be much appreaciated.

Anyone know any websites where they can compare both degrees including salaries

2007-10-15 07:00:13 · 3 answers · asked by tsportsstar01 2 in Other - Business & Finance

We just purchased a home and discovered over the weekend that we do not have all of the storm windows and the ones that we do have do not fit. We feel upset that we weren't aware of this before purchasing the house. It was not disclosed in the truth in housing report. Any ideas on how to move forward or is this something that we just have to live with? We are hoping that we can get some money back as now we will have to replace the windows much sooner than we planned.

2007-10-15 06:54:34 · 4 answers · asked by subra55118 3 in Renting & Real Estate

If you are not a US citizen, but choose to invest in the NYSE (assuming you can), how much tax do you pay on the interest earned?

2007-10-15 06:50:44 · 2 answers · asked by q4norm.answ3rs 3 in Investing

i have just enrolled on a home based course to be a wedding consultant but im not sure if i have made the right choice, i think its maily because i have no idea how to get the business started once i have qualified, what if no one wants a wedding consultant, i cant afford to waste money on this course but it sound really interesting, does anyone have any advice.
cheers.

2007-10-15 06:46:17 · 2 answers · asked by sam 1 in Small Business

My husband and I are separated but we have not filed divorce papers yet. We have been separated since very early this year and I moved out with our daughter at the end of April. We didn't know what way was the best way to go with filing our taxes so we thought if we held off on filing for divorce until either late this year or early next year we would file our taxes as married one last time and split the return. My question is, is that right now on my W2 I have listed my daughter and him as dependents and I have no withholdings (I don't make that much). Should I change my W2 in January to Head of Household and drop him as a dependent then? Or what? I'm confused.

Can any one educated in this area give me some advice?

2007-10-15 06:37:47 · 6 answers · asked by constantdreamer82 1 in Other - Taxes

My hubsand works for Lowes. He gets paid every other week. 10 percent of his check goes into their employee stock purchase plan. Every 6 months whatever he has paid into the espp lowes matches some of it then buys the stock for him. My hubsand plans on staying with Lowes for the rest of his working career. He has a good job with them and he is moving up in the company. Right now he is just a delivery driver, but he is one of the highest paid. They have already talked with him about moving into management. He has to go through some training and he knows that. He thinks putting money into the stock purchase plan every pay check for the next 30 years till he retires will be what we use to live on after we retire. Is this true? Right now he has roughly 3000 dollars in stock with lowes. And that is just from Nov of last year and May of this year. Do you think he is doing the right thing or should he be taking the money and putting it into a savings account that draws intrest?

2007-10-15 06:35:38 · 10 answers · asked by scmommyof2 3 in Investing

I decided to sell my stock last Sunday (online, through Fidelity) and the current price was around $52.00 a share. The following Monday the stock continued to decline. When I recently looked at my account, I notcied I was only compensated for the shares at around $43.00 a share. If I sold them on Sunday, why didn't I receive Friday's closing price per share? It appears I received compensation for the shares at some price the stock held on the following Monday.

2007-10-15 06:29:48 · 10 answers · asked by sohophriend 1 in Investing

owe back taxes. I filled out a new w4 and I just claimed myself. Will this help? I didnt claim my daughter. I just got a raise and will be making 4500.00 a month. My husband makes 3600.00 monthly, he claims single no dependents and they tax the hell out of him, but we both need to overpay so we can get this tax bill knocked out. Will this help? thanks

2007-10-15 06:29:46 · 16 answers · asked by becca c 2 in United States