Business & Finance - 23 October 2007

after seeing the distruction of the current wild fires here in San Diego I am considering getting renters insurance for my apartment to cover my belongings. I told a friend this and he said that the insurance company would not pay out. Is this true? He's pretty hate filled with no reason.
My real question is, if i get insurance, should i get extra fire insurance or should it be covered in standard insurance? Does the fact that its a fire effecting many people change it?
Do the people who have standard homeowners or renters insurance get money or is there a special "Act of god clause" that will screw them?
Anyone have experience with any of this?

2007-10-23 08:30:39 · 8 answers · asked by zorro1701e 5 in Insurance

I am purchasing 1 bedroom condo w/out an agent. I've researched property through websites and found what I liked. I called the listing agent and I faxed over counter offer. My question is what is the next step if the seller accepts my offer? What about the inspection and final walk through and so forth? What are the steps that I need to take before closing?

2007-10-23 08:27:49 · 13 answers · asked by Victoria78 2 in Renting & Real Estate

we are insured and our insurance said to claim and they will get money off neigbours insurance company..only prob is our premium will go up and we will have to pay 100 ecsess..they said this is how it works.our neigbour came round tonight and said her insurance said they will pay out! is my insurance company trying to con me?? someone help!!

2007-10-23 08:25:54 · 11 answers · asked by loulou 1 in Insurance

My friend is considering about purchasing a storage business. What are the pros and cons of owning a storage business? Any advice?

2007-10-23 08:25:51 · 3 answers · asked by RetroBunny69 5 in Small Business

Last summer we travelled to Cancun, Mexico and stayed at the Royal Holiday. Here, I was invited to be a member of a special program in which we pay about $200 per month until the total is $14,555. I was told that as a member of this program I can travel every where in the world and the Royal Holiday will pay air fare, hotel, restaurant. In the agreement they wrote "transportation", and the manager who signed that contract explained to me that it meant "air fare". Later, when I came back the US, they sent a letter to me to say sorry because "there is a small mistake" (their words), "transportation" implied "transportation from airport to hotel". Therefore, I had to ask my bank cancel the transaction. Now, the Royal Holiday in Cancun send me a Final Notice in which they say if I don't pay $14,555 they will send the case to the International Division of United Credit Bureau, Equifax, Trans Union. Should I bring this issue to the court? Or Any thing I should do?

2007-10-23 08:23:54 · 3 answers · asked by Anonymous in Other - Business & Finance

I think, I will have to apply for unemployment,I live in IL. I am making 30000.00 per year. And I have a son, who is 6 year old.
How much do you think I will get unemploement check.
Yhank you!

2007-10-23 08:21:18 · 16 answers · asked by kleo 1 in Financial Services

People have been stopping by with there realtor...then they ask if I am willing to work with their reator. So does that mean I have to apy the realtor a finders fee or something and if so, what % is it?

2007-10-23 08:16:28 · 14 answers · asked by Anonymous in Renting & Real Estate

I'm turning 18 and I'm getting a credit card so don't talk me out of it. I know how to manage my money so what is the process of getting and pay for say a discover student card?

2007-10-23 08:12:30 · 6 answers · asked by Anonymous in Personal Finance

The employer fouled up and included the rate sheet for our last premium increase. True rate for a 55 year old male was 61.39 per month. Employer deducts 140.00 per month and tells us that is our "half" of the premium.

Labor board fails to spring to action, stating "it's a benefit and not our jurisdiction". California Department of Insurance says they can't do anything to him because , even though he's brokering insurance without a license, they can't figure out how to pursue it (honest to God the mini-bureaucrat told me this).

2007-10-23 08:10:45 · 7 answers · asked by Kalifornia Citizen 2 in Insurance

when needing to understand the concepts of simple interest, compound interest and discounting, what is discounting? does it have another word which is used as i cannot find it in books..

2007-10-23 08:10:28 · 2 answers · asked by ugene425 1 in Renting & Real Estate

...Or is it better to just set it up on my own on the secretary of state website? What are the advantages of hiring a lawyer to do this for you?

2007-10-23 08:09:43 · 3 answers · asked by Anonymous in Small Business

is it possible to check your credit score online without paying anything? are there any ways to see your credit score?

2007-10-23 08:09:29 · 4 answers · asked by andres momma<3 2 in Credit

I recently had a child...is there a form to fill out to claim her as a dependent? Also, will this change the way I am currently taxed on my paychecks?......will my paychecks be larger?

Thanks

2007-10-23 08:08:36 · 14 answers · asked by mas_appraisals 1 in United States

I've heard that if you save your tickets; then win more than 600.00, you can present the old tickets to show that you spent X amount of dollars to reach that win. Does anybody know how this works? Is it deducted when you claim your prize or when we pay our annual taxes? (or is it even true)

2007-10-23 08:02:37 · 5 answers · asked by Greenbug 1 in United States

I live in one of the biggest citites (chicago) and many people here are unemployed sometimes even people with degrees have a hard time and these people who went to college end up working in a place that does not require a college education?

2007-10-23 07:56:06 · 4 answers · asked by Anonymous in Other - Careers & Employment

My fiance and I just bought a new car, and have to have full coverage insurance. Neither of up make more than 10 dollars an hour unless we work over time. It's over 600 a month for the car and insurance plus we have cell phone bills, grocerys & gas that we have to have money for as well. Does anyone have any ideas on what we could do to save some money for ourselves???

2007-10-23 07:55:36 · 6 answers · asked by Andrea S 2 in Personal Finance

Can someone tell me more about internships? I have an interview for a graphic design internship coming up it is what I am in school for. I do not know what to expect at all so I am a little nervous.

But also I was wondering how often do companies KEEP their interns and hire them to work there? I just am not very familiar with internships so I would appreciate any information. Thanks!

2007-10-23 07:47:50 · 2 answers · asked by Jenny S 1 in Other - Advertising & Marketing

i need a small personal loan like 10k and i have ok credit I have 3 credit cards and two charge card... very well kept up with..
WHAT DO YOU THINK MY CHANCES ARE IN GETTING A LOAN?

2007-10-23 07:45:13 · 6 answers · asked by girl19 1 in Credit

For some reason, they can not verify my existance. Is there a competitor?

2007-10-23 07:43:13 · 1 answers · asked by shacky316 1 in Personal Finance

Can you tell me where $200,000 dollars can by a large nice house in the states? Prefer a small city or large town?

2007-10-23 07:41:20 · 6 answers · asked by lovelylady 5 in Renting & Real Estate

Me and my gf are leaving our parents' homes and moving in, im 18 shes 17, we may have a problem with cash flow, i've worked out as much as is forseeable, can anyone think of easy ways to make cash fast?, i dont mean ebay or advertising scams either, were both currently students also and will be continuing our education until complete, im at college studying nc electrical engineering and shes studying general engineering at a lower introduction level.

here are the stats i came up with:

Rent - 400 (Monthly)

electricity - 730 PA (60 monthly)

gas - 45 monthly

phone / broadband - 18.99 (monthly for 18 months)

food - 30 weekly

water - 100 quarterly

council tax - 150 monthly

TV license - 120 PER annum

820 per month. (without benifits)

we are obviosuly going to have to claim some government benifits to keep up with the rent, we are both part timers and earn £4.60 per hour and work max of 16 hours a week.

any suggestions are appreciated :D <3 u, yahoo people!

2007-10-23 07:39:02 · 9 answers · asked by Anonymous in Renting & Real Estate

Just wondering how much money, an amount or percentage that I can donate to charities instead of just paying taxes with my money? If you do not know for sure I will just consult with my tax advisor...Thanks, Shawna

2007-10-23 07:38:39 · 5 answers · asked by shawnasuebug 1 in United States

The apartment i'm living is invested by coackroach. We reported to management but they only gave us a chalk and they refuse to fumigate. To whom should we report this? Is there any government agency that can help us? We don't want to move because it's a strategic location.

2007-10-23 07:38:11 · 13 answers · asked by mepsa 2 in Renting & Real Estate

How do credit card, mortgage companies etc. treat a debt when a spouse dies.

2007-10-23 07:38:05 · 8 answers · asked by letsroll 1 in Personal Finance

Some low level bureaucrat told me I can't homestead my house in California. ( I called to see if I could use this to protect my property from any attacks from the corporate America banking system). I'm not in foreclosure, nor am I behind in payments, but I've heard that some banks are "calling loans" for some pretty thin reasons.

If you are aware of why I can't exercise the same rights as you lucky guys in the "Free 49" , please let me know.

2007-10-23 07:37:29 · 2 answers · asked by Kalifornia Citizen 2 in Renting & Real Estate

My son had to have emergency surgery and had no insurance. he is now over $25,000. in debt to medical bills. he has applied for assistance but was told there is nothing for a young white male. What can he do to get this off his credit bureau?

2007-10-23 07:36:51 · 5 answers · asked by Beverly C 3 in Credit

what would be the best credit card for me to get?
ive never had one and i dont know all about the tricks and such
i mainly want one to build credit, im not going to go crazy and end up in debt, or at least thats my plan :)
so i guess i want one with obviously the lowest interest and no annual fee, i dont really care about the limit
any help would be greatly appreciated, thank you

2007-10-23 07:33:18 · 4 answers · asked by Anonymous in Credit

Help!, I can't find my tax info

2007-10-23 07:28:22 · 4 answers · asked by Chris E 3 in United States

What if the government decided to raise our taxes in order to support more social programs?
And if you make more than 150 grand a year as income, you have to pay a higher tax rate?
What are the pro's and con's of this?
What would you do?

2007-10-23 07:23:53 · 2 answers · asked by Anonymous in Other - Taxes

Just curious.I heard that the average person carries about a $7,000 balance.How right are they?Also,what do you use your credit card for?

2007-10-23 07:22:19 · 7 answers · asked by Cheese 5 in Credit