Business & Finance - 22 October 2007

I'm considering purchasing a house and renting it out since I have about 65k. However, I have NO idea where to start. I've read that buying a house is a great investment yet I know nothing about real estate. I'm a full time college student and would like to continue to be one, without needing to work. How do I get started???

2007-10-22 09:44:46 · 5 answers · asked by Anonymous in Renting & Real Estate

Today due to the SoCal fires the plant closed down with 10 hours of my shift remaining. Will I be paid for this time as it was not my decision to leave. Also if they cannot open for my schedualed shift tomorrow will I be embursed for that lost time?

2007-10-22 09:37:46 · 8 answers · asked by onehate 1 in Other - Careers & Employment

2007-10-22 09:37:15 · 5 answers · asked by Anonymous in United States

My friend is being sued by a collection agency. The only way he knew this was because they froze his bank account. I thought that collection agencies had to contact you to inform you they were trying to collect on a debt from you first before they just sue you and freeze your account. If he never received anything from them via mail or phone, do they have the right to sue him and freeze his account?

2007-10-22 09:31:34 · 4 answers · asked by amerasmommy 1 in Credit

Hi I work full time earning £21,000 and currently in discussion to start doing some freelance website work on the side for 1 single client. They want me to invoice them monthly and they will be paying me between £250-450 a month (not agreed it with them yet) direct to my account.

What I need to know is what I need to do re tax etc as I've never done freelance work and always been employed full time so really confused. I guess from reading other questions I have to register as self employed (yet whilst also having full time employment as I will continue my normal job).

As I will only be earning £250 (maybe £450) a month and will be the same set amount a month I am worried I will loose it all up in tax, like I pay over that in tax for my full time job. Or does it work that I will pay very little tax as I will only be getting £3000 a year from this freelance work?

Any help would be much appreciated, I am going to call HMRC in the morning but wanted something to ease my mind now.

Than

2007-10-22 09:31:01 · 6 answers · asked by nigelsmith27 1 in United Kingdom

i stay in some apartments that are right next door to the school I go to. i signed a 12 month lease and i want to get out, because my roommate (she signed her own lease and I signed mine) she moved her boyfriend in the apartment with us, he's here all the time. She goes home on the weekend and leave her keys with him and he have his friends in here they come and wash there clothes here and they be in the kitchen cooking to. We also have a extra bedroom that nobody stays in and he let his friends come over and spend the night. I think it is totally disrespectful of her to let him stay here and let him do the things he do. i have wrote the managers 2 letters and i have talk to the general manager so i can move to another apartment and they haven't done anything. Do you think I can break my lease?

2007-10-22 09:24:40 · 4 answers · asked by joyej16 2 in Law & Legal

2007-10-22 09:24:22 · 7 answers · asked by Anonymous in Insurance

My husband has IBS. On his good days, he only uses the restroom (#2) once or twice. Some days though he has flare ups and has to go up to 25 times in one day. He works at a beverage co. and his new shift supervisor doesn't like him. My husband has been at his job for 7 years and never had any problems but in the past month my husband has been written up and suspended twice for 5 days for using the bathroom.

He got a note from his doctor that said he has work restrictions & must be relieved use the bathroom if he's having a bad day--(the IBS hits instantly)....his boss said that he's going to be fired if he doesn't get the restrictions taken off and he'll be written up if he leaves to use the bathroom. He said to take a leave of absence if its so bad.

My question is this: are they legally allowed to do this to my husband? He has a medical condition and a note from his doctor and they said it means nothing to them. He's asked to be moved to another shift and they said no

2007-10-22 09:22:44 · 7 answers · asked by Anonymous in Other - Careers & Employment

We currently live in michigan around detroit. We are looking to go to monroe county. The problem is what we want and can spend dont match up very well. So I was hoping to find a forclosed/bank owned home. I know their are tons of them out there, but no one wants to help me find them. I do tons of yahoo and google searches but all i come up with is where you have to pay etc. There has to be a way to get some list without payinig a bunch of money to find out the details.

2007-10-22 09:20:00 · 9 answers · asked by cashmonkies 1 in Renting & Real Estate

My friend has been making her payments 15-20 day's late. Will this hurt my credit?

2007-10-22 09:11:10 · 17 answers · asked by Pizzie 1 in Credit

2007-10-22 09:08:14 · 2 answers · asked by Anonymous in Credit

If someone has a 30-year mortgage, can foreclosure take place at year 29 or does the equity in the house at that point take care of it?

Is foreclosure only possible when there is below 50% equity in a house?

I am just trying to get an idea of length into a loan that foreclosure takes place, as opposed to rates per 1,000 loans. I can't find this information anywhere. If someone has info how the lien process works this would also be appreciated.

2007-10-22 09:08:05 · 7 answers · asked by Matt 2 in Renting & Real Estate

I got behind on my payments and was working with a foreclosure specialist company that said they had a handle on everything...yesterday I find out nothing as been done and know I have to be out of my house in 30 days. Is there anything else I can do? The lender says it is to late and won't work with me even though I explain what happened.
Can anyone suggest advice?

2007-10-22 09:05:01 · 7 answers · asked by mjanet80 1 in Renting & Real Estate

Is there an american express card where you only have to pay a minimum balance and not the full balance?

2007-10-22 09:00:59 · 5 answers · asked by female83 2 in Credit

the new roommate and i never signed a lease together, she is a total slob, she takes my stuff without asking, i just need to get out. a friend said when my original roommate left out contract with the landlord was broken, and since he never made up a new lease with the new roommate i''m technically not under contract, is that true?

2007-10-22 08:59:50 · 5 answers · asked by madeovstars 1 in Renting & Real Estate

I am looking to start my own blog, but I want to make sure it is on a popular site where people will read it. I plan on discussing sports, video games and whatever else is interesting at the time. What are the best/most popular sites to blog on?

2007-10-22 08:59:22 · 2 answers · asked by Anonymous in Small Business

The company I have my car loan through calls me at work if I'm more than 5 days late on my payment. I've repeatedly asked them to call me at home and not to call me at work. They called me again today and the rep even told me that she saw that they were not supposed to contact me at work then asked me if I'd talk with her anyway!!! I work in the media/advertising field and do not have the time to take personal calls on the job. I'm afraid they are going to cause me to lose my job.

2007-10-22 08:58:39 · 7 answers · asked by cherish k 2 in Personal Finance

my mother who is still marrried to my father(who has very bad credit), my father is planning to declare bankrupsy after the purchase of the home. i just want to know will this effect my mother and brother in any way? and will they take the home away from them?

2007-10-22 08:57:02 · 4 answers · asked by gurlygurl 1 in Renting & Real Estate

hi, can you sell calls and puts on the SPY,VIX,OEX. I know you can write covered or uncovered call and puts on a underlying equity. But i know none of this indexes issues stock. This will help me immensly looking at the open interest on the SPY,VIX,OEX.

Thank You

2007-10-22 08:53:20 · 2 answers · asked by Anonymous in Investing

I have just passed my Real Estate Salesperson exam last week. I am going to start training for Century 21 tomorrow. I am interested in hearing some comments on how other Realtor's view their career? Any pro's or con's? Do you spend more money for your career or is the income good? I'm worried that I will spend more money out than get in. How much did you make the first year?

2007-10-22 08:53:12 · 8 answers · asked by tmae 2 in Renting & Real Estate

I live with two other people. We just got DSL installed in our apartment. The monthly fee is 36 bucks which we split three ways. But we just got the bill that included a 120 dollar fee for the modem. My roomate wants me to pay a third for it but heres the thing...Im moving out in December and obviously wont get to use the modem anymore. I understand I need to use the modem to access the internet but I only have access to it for two months so I dont think I should pay for a third of it. Its not like when I move out Im gonna take a third of the modem with me.

2007-10-22 08:49:43 · 13 answers · asked by Anonymous in Personal Finance

i am starting my own business - a country store, but i don't anything about a convenience store. like what are the things that i can sell good and what things do not sell good! can someone tell me please!

2007-10-22 08:49:12 · 9 answers · asked by caleb 1 in Other - Business & Finance

they are not authorized to give me that information. I thought that that was publc information. If I can't contact the foreclosing attorney then how do I check the status of the property to see if it is still in lis pendens status or was paid off?

2007-10-22 08:48:09 · 2 answers · asked by kubex1 2 in Renting & Real Estate

Problem: Went out to a strip club Friday night, let myself be taken into the Champagne Room for more then $2000.

I didn't realize how much I had been charged until Monday morning, when I looked at my online statement, and then called in to protest. Problem is they can't do a chargeback since it was a debit payment and the club refuses to void or reduce the transaction since they have card imprints, signatures and a copy of my drivers license.

My contention was that since I was too drunk to remember signing, and they assisted by serving me more alcohol, then my signatures can not be held as legally valid.

I have the option of having the bank file an affadavit to regain the funds or launching a civil case in small claims court with myself as the plaintiff attorney. I intoned to the club owner by phone that such action would very quickly make her defense of the case more trouble then it was worth. They laughed.

So do I have a legal chance even in a low cost annoyance suit?

2007-10-22 08:46:38 · 23 answers · asked by John F 3 in Credit

I want to build a road to my home from the street and pretty much customize my street address, how would I go about doing that legally so that I get mail properly and whatnot?

2007-10-22 08:45:34 · 4 answers · asked by Keezee 2 in Renting & Real Estate

This is in Wisconsin.

My brother was involved in a car accident a few months ago. Neither he nor the other driver got a ticket. No injuries, minor damage to both vehicles. Other driver claims my brother was at fault (my brother claims the opposite) and has come to our house several times to talk to him. My brother was never home, however.

Today my brother received a bill from a collection agency, with the other driver named as the person being owed the money. I'm wondering about the legalities of this. My brother never received any legal-related communications--that is, no judgement against him, no contact from a lawyer. Can an individual like this other driver simply go out and hire a collection agency to try to get the money he claims he is owed for the damage to his car? Should my brother dispute this in any particular way? What would happen if he didn't dispute? That is, what could the agency do in its attempts to get the money?

2007-10-22 08:45:15 · 3 answers · asked by Placed 2 in Credit

2007-10-22 08:39:10 · 6 answers · asked by tangerine 7 in Credit

2007-10-22 08:37:33 · 2 answers · asked by norsegirl04 1 in United States

My husband and I are trying to decide if we should lock our mortgage rate this week. We are going to close on the house somewhere between December 14th-21st...should we wait and get a 30 day lock, or do it now while the rates are low? Do you guys think the rates are going to go any lower...I have listed our quote below

6% - with .375 point
6.125% - with no points

2007-10-22 08:37:25 · 5 answers · asked by Anonymous in Renting & Real Estate

I would like to trade in my car for a newer year. My balance is $4,592.51 and Kelly blue book estimates my trade in to be roughly $3000. The car I would like to get is $10,000 estimated.
*How would this work (Please be descriptive)?
* Would I have to start a new car insurance policy again with a large sum of money paid initally to start the policy?

2007-10-22 08:35:53 · 6 answers · asked by Anonymous in Insurance