Business & Finance - 21 October 2007

My credit isn't good enough to get an auto loan, so I had a family member co-sign for me and got the loan. Now, that family member is in a really bad spot and might have to file bankruptcy. I have made all my payments on time and can continue to do so, but I still can't get a loan in my name. What happens to my car?

2007-10-21 12:39:27 · 4 answers · asked by . 2 in Personal Finance

I was thinking of creating a a website for my own personal use - business related. I need to earn 62,000$... and I was thinking of selling hand-made (original) jewelry... or techno CDs (original)... or maybe having free song downloads, and having people donate $ to support the site creater so that I can keep giving away hot techno songs... but I'm not sure if this is illegal... do I need some kind of permission?... or somethign... and how do I make a website for free... thanks a ton... if you give me a really good, helful answer.. ill email u an awesome techno song for free!... lol

2007-10-21 12:37:18 · 4 answers · asked by Moosic 1 in Small Business

I want to know the average monthly cost of renting an apartment, and all the other things to go with it. I would also be in college 5 days a week on a regular basis along with working to pay for all this. Please inform me of pros and cons. I'd also be sharing apt. with boyfriend.

2007-10-21 12:36:53 · 6 answers · asked by Reese W889 1 in Renting & Real Estate

2007-10-21 12:36:07 · 3 answers · asked by alliepegs4 1 in Other - Business & Finance

We have a townhouse that is in a nice area outside of DC. We want to put some work into it over the next couple of yeras. We know we want new countertops (ours are HORRIBLE), maybe pergo or hardwood on our main level, we'll paint before we move out. Light fixtures? What else?

So, what are the best fixes to improve value of our home without breaking the bank? Best investment for the cost?

Thanks in advance :)

2007-10-21 12:27:26 · 23 answers · asked by Lauren 1 in Renting & Real Estate

I posted mine and it seems the only thing I get is junk mail.

2007-10-21 12:22:55 · 7 answers · asked by Star T 7 in Other - Careers & Employment

2007-10-21 12:22:13 · 3 answers · asked by oracle d 1 in Personal Finance

i asked a question about futures, options, and shorting earlier, and i just want some clarification.

with an option, you can buy or sell the stock, but if u dont you loose the money you payed when you signed the contract. With a future, you have to buy/sell the asset at a certain point, and loose/gain money depending on which direction the stock market went. Correct? but can u buy a future on an option, or is that the same thing as shorting? and can u buy an option on a future? or is that shorting also?

2007-10-21 12:16:55 · 3 answers · asked by Anonymous in Investing

or is taxation a leverage against freedom which subdues and binds people into bondage.
without insurance a company cannot legally do business so people are FORCED to pay insurance companies which are forced to pay taxes on their income, which means all insurance that is forced upon us is actually a debt to be earned which is term of slavery, for everyone that makes a lot of money they have to earn half of their income in service of paying taxes instead of their own income before they are free to KEEP their business. This part of paying taxes is the bondage and bondage is slavery.
I believe the banks have the other half of slavery in terms of mortage and interest in order to live in a home.

in the kingdom of God, Housing and mansions and Food and clothing are provided.
it takes labor in the service of the kingdom of God to build all these things therefore it takes People to be servants to build a kingdom that is built without MONEY where bread can be purchased without it

2007-10-21 12:13:49 · 7 answers · asked by Priestcalling 3 in Renting & Real Estate

2007-10-21 12:08:58 · 13 answers · asked by jas b 1 in Other - Careers & Employment

I am 31 and single with no children. right now i am renting an apartment which cost about 600 bucks a month. i am tierd of paying rent and would love to own a home. The thing is that is my credit is not real good. I am paying off my debt though on time. I was thinking about buying a little house, fixing it up and than in about 5 years selling it. There is a house in my town that the asking price is $115,000. They said the est amount to pay each month is around $750.00 I would have a co-signer. Since my credit is not so good, do you think the payments would be higher? thanks

2007-10-21 11:59:19 · 6 answers · asked by carriec 7 in Renting & Real Estate

What is Earned Income Credit in regard to federal income tax? Whom does it benefit, single parents, low wage earners, large families,etc?

2007-10-21 11:59:01 · 4 answers · asked by angrycelt 3 in United States

2007-10-21 11:56:47 · 3 answers · asked by wayward_holstein 1 in Investing

2007-10-21 11:52:08 · 6 answers · asked by Anonymous in Marketing & Sales

I have all the receipts for them.

2007-10-21 11:49:05 · 5 answers · asked by sniperkill546 2 in United States

My friend just asked me for money to pay his rent or he risks getting evicted. I have the money to cover it. However I was saving this money to pay off a some legal things because I have warrants for my arrest. Should I loan him the money or just say I don't have it and pay my warrant.

2007-10-21 11:46:36 · 6 answers · asked by martyo30 2 in Personal Finance

I am currently looking for a new 2 or 3 year fixed rate mortgage deal. My previous deal of 4.65% expires at 1st Dec. (This is with the Alliance and Leicester ). The best deal I can find is a 5.87% deal with the same lender but there is a £599 product fee , a £250 admin fee (How does this work I already have a mortgage with them ) and various transfer fees so it will cost around £800 to keep my mortgage with the same building society I'm already with.

Does anybody know of any good deals without huge admin and joining fees that I've missed as most disappointingly the Alliance and Leicester deal is the best I can find.

Thanks for your help

2007-10-21 11:41:24 · 3 answers · asked by Seven of Nine 2 in Renting & Real Estate

what should i do? my old boss is giving me 10$ an hour
and the new job is offering 8.05 while on "probation"

so how should i do this?
Is it too late yet, because i havent started working at my new place but i still have to go for training but i have my badge and stuff

2007-10-21 11:41:21 · 9 answers · asked by Anonymous in Other - Careers & Employment

okay......do i need a credit card to buy something off the internet or can i just use a checking account???.........if i can use a checking account what website can i go to, to do it......because i really wanna buy a costume!!!!!!!!!!!!!

2007-10-21 11:38:59 · 5 answers · asked by Anonymous in Personal Finance

Hi there,

I am a 3rd business student, and have received some offers for next summer from Deloitte & Touch, KPMG, and PWC. I am also meeting with Ernst & Young this week. To be honest, I went into the recruiting process just hoping to get on with one of the four, and didn't expect such a positive response.

My concern now, is to choose the right firm. I am looking for some advice on how to ensure I do choose the right firm? What are some aspects I could examine to compare them? My understanding right now is that functionally, each of the four firms are basically the same? So should I simply focus on culture and benefits to aid my decision?

I would appreciate any advice on this.
Thank you in advance.

2007-10-21 11:35:12 · 4 answers · asked by npgurm 1 in Corporations

I have been approved for an FHA loan in which I have to bring 3% to the table. The home was appraised $6000 less than what I originally offered. He does not want to come down on his price because he will not be able to pay off his current mortgage, of which he will be about $6000 short after closing costs and fees with price being at the appraised value. He is currently trying to work out a deal with his lender to give him a short sale on the house. Since all of this has transpired, I have increased my credit score to the point that I am able to qualify for more mortgage programs. Should I check with some local companies to get into a better program with less fess than a the broker I used? Im somewhat leery of doing this because I don't want my current l mortgage company to see that I was shopping around if we would close under the current terms. And I don't want any inquiries to hurt my score. I WANT THIS HOUSE. Any suggestions on making this deal work would be appreciated.

2007-10-21 11:34:23 · 4 answers · asked by Renaisannce Man 1 in Credit

I have been approved for an FHA loan in which I have to bring 3% to the table. The home was appraised $6000 less than what I originally offered. He does not want to come down on his price because he will not be able to pay off his current mortgage, of which he will be about $6000 short after closing costs and fees with price being at the appraised value. He is currently trying to work out a deal with his lender to give him a short sale on the house. Since all of this has transpired, I have increased my credit score to the point that I am able to qualify for more mortgage programs. Should I check with some local companies to get into a better program with less fess than a the broker I used? Im somewhat leery of doing this because I don't want my current l mortgage company to see that I was shopping around if we would close under the current terms. And I don't want any inquiries to hurt my score. I WANT THIS HOUSE. Any suggestions on making this deal work would be appreciated.

2007-10-21 11:33:58 · 5 answers · asked by Renaisannce Man 1 in Renting & Real Estate

2007-10-21 11:33:18 · 3 answers · asked by SO CAL REALTOR 1 in Renting & Real Estate

Under Chapter 7 bankruptcy, will my mortgage debt be canceled ? Car loan ?

2007-10-21 11:23:31 · 5 answers · asked by Victor 7 in Personal Finance

I am suppose to be moving into a home as a renter in 4 weeks. the thing is is the realistate agent told me the people I am renting from want a security deposit. Which is fine, but the thing is I am giving that to them tomorrow. I was just wondering why or when am I suppose to get the keys to the house?? Shouldnt I get that when I give my money to the relater to give to the home owners? Or how does that process work?

2007-10-21 11:22:21 · 7 answers · asked by Beth 3 in Renting & Real Estate

i was told by other employees there now that the people from india keep the old employees to train them then either fire the old employees and bring in their own or cut a old employee down to minimum wage is this true? i need to know by someone who has gone through this? thanks

2007-10-21 11:20:54 · 4 answers · asked by smurfette 1 in Other - Business & Finance

we went to court for the first time and ask the judge to give us an extension to move, he gave us 2 weeks which mean October 15 we should have been out the apt, we have a closing on 11-25-07 and need more time. i went to the court before 10-15-07 to ask for another extension the clerk told me if i see the judge now he will only give me 2 weeks extension, if i wait until the 72 hr notice i can get a month and a half extension. is this true because we have no where to go and i have 3 kids, 2 cats and 1 dog and for us to rent and apt pay one months rent, security and we are closing on a house next month do not make any sense to me. also the landlord said she is selling her house, well i found her house and its still active and she said that the person who brought it did it through century 21. I made a print out that shows the property is still available. what can we do all our money is tied up in the down payment and closing cost and we do not have money to rent a place for 1 month

2007-10-21 11:17:25 · 6 answers · asked by Anonymous in Renting & Real Estate

I am a military mother with poor credit. I am trying to secure a $2,000 loan to take my family on vacation. I have less than a year left in service so military lenders will not lend to me on an alottment status. Please help me find a loan that won't eat me alive on interest payments or have us eating cat food for a year.

2007-10-21 11:09:15 · 9 answers · asked by Military Mom 1 in Credit

i am buying a house with no agent representing me, and want to know if i find a house to buy that is listed by a realtor, will the seller pay his/her agent the commission that would have gone to my agent if i had one? Or does the seller simply pay one commission % for each realtor involved?

2007-10-21 11:06:54 · 9 answers · asked by emma 1 in Renting & Real Estate

My husband and I were planning to make an offer on a house, built in 1905, tomorrow. It's our dream house, and thus it disappointed me when I looked at the assessment for the house online and found out it has an asbestos exterior. First off, if the asking price for the home (which is a foreclosure) is $239,000, can we negotiate it down, because of the asbestos? If we did still want the house, does this mean that we could basically never do anything to the exterior of the house -- i.e. Christmas lights, any decorations? The house also has shutters that the previous owners installed. How could they have been installed, assuming that nails had to be used, on the exterior of the house?

My main question is, is it worth buying a house with an asbestos exterior, or is it too much trouble?

2007-10-21 11:03:52 · 5 answers · asked by red_writer 2 in Renting & Real Estate