Business & Finance - 22 October 2007

The cost of buying a home has skyrocked in the last 10 years.
I mean the prices have got of the Stairs and into the Lifts.
Can this be sustained for another 10 years.
I know the market is slowing down and i understand that people are now using there credit cards to pay the morgage.

2007-10-22 08:26:19 · 13 answers · asked by Anonymous in Renting & Real Estate

2007-10-22 08:24:34 · 6 answers · asked by tangerine 7 in Personal Finance

I have 2 children that I recieved earned income credit for. If my boyfriend and I were to get married would I loose all my tax money or would it be about the same??

2007-10-22 08:19:39 · 3 answers · asked by Anonymous in United States

There are Social Security Deductions, health insurance, savings plan, and other deductions, and then there are 2 different deductions marked FICA. One of the amounts is significantly larger than the other, and we have no state tax.
Can someone please explain so I don't look like a fool going to my employer?

2007-10-22 08:18:46 · 4 answers · asked by mysticrystaldawn 3 in United States

people always say because Maryland is "near" DC/Baltimore, even though areas near DC/Baltimore are really bad and crime-ridden (and YET houses are still expensive), and even though in most cases you have ton drive quite a ways even to get to these cities. And I would not even care about being near a big city. I just need to find a cheap house, and I would not even mind going to another state, but my father doesn't want to leave Maryland and I myself still can't drive even though I am 21 because I have not learned how to drive, and it is too difficult a process to get a license in Maryland. So why are all of the houses in Maryland so expensive, even being in a really bad area? I mean at least with every other state there are some cheap houses, but I never see any in Maryland...Is there a site where I can do a statewide search? Link?

2007-10-22 08:17:10 · 3 answers · asked by girl_dr_evil 1 in Renting & Real Estate

Particularly maybe State Farm?? And this would be in Missouri, Florida, or California.

Just a guess? Thanks!

2007-10-22 08:16:45 · 3 answers · asked by FromTheTop 1 in Insurance

2007-10-22 08:16:33 · 4 answers · asked by Anonymous in Credit

Wehave cancelled the unwanted ones ,but they keep sending them. What recourse do we have?

2007-10-22 08:16:30 · 2 answers · asked by Ted J 1 in Credit

If I return an item I buy on my credit card, does that lower my FICO score?

Also, if I set a single credit card aside so that all purchases on it are purchases that I plan to return, will that hurt my FICO score, or my relationship with the issuer of that particular credit card?

2007-10-22 08:13:59 · 4 answers · asked by Avi J 1 in Credit

I am going to rent out our 1999 Mobile home we are currently living in, we need to know the steps(legal) to protect our property and everything else that goes along with renting. If you could give me some tips, information , ideas anything. (lengthly responds are welcome!)
also
We are thinking about $600.00 a month , its on private property in the country, no parks. Is that a fair price(to high to low)
Thank you for your help!

2007-10-22 08:13:30 · 5 answers · asked by My3kin 3 in Renting & Real Estate

2007-10-22 08:08:32 · 4 answers · asked by Anonymous in Credit

Kim and Dan Bergholt are both government workers. They are considering purchasing a home in the Washington D.C. area for about $280,000. They estimate monthly expenses for utilities at $220, maintenance at $100, property taxes at $380, and home insurance payments at $50. Their only debt consists of car loans requiring a monthly payment of $350.

Kim's gross income is $55,000/year and Dan's is $38,000/year. They have saved about $60,000 in a money market fund on which they earned $5,840 last year. They plan to use most of this for a 20% down payment and closing costs. A lender is offering 30-year variable rate loans with an initial interest rate of 8% given a 20% down payment and closing costs equal to $1,000 plus 3 points.

Before making a purchase offer and applying for this loan, they would like to have some idea whether they might qualify.

Estimate the affordable mortgage and the affordable purchase price for the Bergholts.
Suppose they do qualify; what other factors might they consider before purchasing and taking out a home mortgage?
What future changes might present problems for the Bergholts?

2007-10-22 08:05:43 · 4 answers · asked by DEE H 1 in Personal Finance

I need small bills but most change.
What should I get?
No higher than $10, in till.

2007-10-22 08:05:38 · 3 answers · asked by Laura Elizabeth 3 in Other - Business & Finance

If I were to short sell 50 shares of GM, how long would it be until I had to place a Buy to Cover trade?

2007-10-22 08:02:52 · 3 answers · asked by Jorge 2 in Investing

my opinion: insurance

2007-10-22 08:00:16 · 14 answers · asked by Anonymous in Other - Business & Finance

I fear that such a large tax take will destabilise my nation and cause some form of rebellion. Which I don't want. Or maybe I do?

2007-10-22 07:56:20 · 8 answers · asked by Anonymous in United Kingdom

plz, I need this immediately

thank you!

2007-10-22 07:54:53 · 24 answers · asked by Anonymous in Other - Careers & Employment

I have a bunch of negative, but unfortunately accurate, items on my 3 credit reports. They range in amount from a stupid little $28 to a whopping $6300 auto loan that is from 1995. What do i pay off? What do I dispute? Who do I contact first - Credit Bureaus for dispute or Creditors/Collection Agencies for settlement for removal? Will they really remove it from my reports? Do I deal with the the original creditor or the collection agency that is reporting it to the CRAs. My total debt is only about $11000, do you think I can turn my credit around? If so, how long do u think it will take? My scores are in the 540 range.

2007-10-22 07:54:38 · 4 answers · asked by momof2infl 2 in Credit

Current credit:
1 CC always paid on time never reaching half of available credit.
1 consolidated school loan always on time, and paid according to plan
I have rented an apartment and have had bills in my name NEVER late

Credit Marks: (unpaid)
1 large account (late 2003)
2 small accounts (late 2003, will negotiate payment on these first)
5 or so inquires due to starting utilities, apartment, and application of a credit card / car loan

Credit Scores: (Bad?)
Ex 627
Trans 664
Eq 630

Questions:
1.If I request validation of the debt , does this restart the SOL (TX 4?)
2.If I attempt to request validation or try and negotiate does this restart the 7 years?
3.Can a score of 700 or higher be attained in a reasonable amount of time with my current situation, and would it matter with the marks still there?
4.How bad will my score be affected NOW if I attempt to renegotiate these collection items ?

2007-10-22 07:54:16 · 2 answers · asked by BobbyDigital 2 in Credit

I've got a new job offer and I've accepted and I planned on giving two weeks' notice on Friday. My boss didn't come into the office that day, so I called back and asked for an extension of one day on my start-date with my new job. So, it's Monday and the boss still isn't in her office! I could email her a note and attach the 2-week notice/letter of resignation, but that seems like poor form. I want to give it to her personally, but if she's not here, how do I negotiate that?!
I don't want to go over her head and hand it to the next in line, but I don't want to sit on my hands and fall liable for not having provided two weeks' notice, either. What should I do?
Also, it's a very bad time for me to leave my company, as so many others have quit and they are sooo short-handed, so how do I break this news to my boss gently, or is there just no easing the moment? Thanks in advance!

2007-10-22 07:54:12 · 6 answers · asked by paraffinparfait 1 in Other - Careers & Employment

This is just for an article I'm writing. I just need to know how much you spend for each insurance every month and what you get from it. Co-pays, deductables, what insurance promises to pay for.
Health? Do you get it from your employer or did you buy it yourself?
Auto?
homeowners?

2007-10-22 07:53:56 · 4 answers · asked by christigmc 5 in Insurance

My father has been disabled 9 months of this year and has been living with me. He is not working and has no income until disability kicks in. Can I claim him on my taxes and if so, how much can I expect to get back?

2007-10-22 07:53:14 · 4 answers · asked by P-B Valentina 1 in United States

Do I need to pay the taxes immediately when I file, or do I send the payment to the IRS separately?

2007-10-22 07:49:58 · 4 answers · asked by boca brunette 2 in United States

How do we go about doing this and would I have to pay taxes? She is basically transfering her paid off house under my name and taking he name off the title.

2007-10-22 07:49:38 · 8 answers · asked by Anonymous in Renting & Real Estate

My first choice is to work as a probation officer but i am also thinking about being a social worker for DOMESTIC VIOLENCE. Which would be a more suiting major for both careers.

I already earned my Assocites in criminal justice i'm going back to school to get my B.S. degree maybe a Masters if i start to lean more into social work

2007-10-22 07:44:57 · 4 answers · asked by brutalhonesty 2 in Other - Careers & Employment

2007-10-22 07:42:53 · 2 answers · asked by PUROLATINO4U 1 in United States

I am in the Phoenix, Arizona area. I need to find locations for my Snack/Soda Vending machines mainly in the Phoenix, North Phoenix, Scottsdale areas. I need the location that has lots of employees and a ton of foot traffic. My goal is to pull at least $80 to $100 from each machine each week. I can't trust locators and they all charge an arm and leg and they all lie. I need someone to help me out. Maybe they know someone that need a machine or maybe they have a well established vending business that I can take over. My machine holds 20 snacks on top and 5 canned drinks on the bottom and it is compact. Email me if you can help. Thanks

2007-10-22 07:42:48 · 3 answers · asked by Anonymous in Small Business

2007-10-22 07:38:40 · 3 answers · asked by Anonymous in Personal Finance

thx

2007-10-22 07:37:05 · 7 answers · asked by bcwireless420420 1 in Insurance

Would you use Google to find a company to save your house or sell your house to? Is there a particular site you would go to?

2007-10-22 07:35:13 · 11 answers · asked by Mr Rothwyn 2 in Renting & Real Estate