Business & Finance - 24 October 2007

will using my bank checkcard (debit card) help build my credit if I use it as a credit card when I make purchases (when you go to the stores they ask you if you want to use it as credit or debit) so I just wanted to know. Well thanks in advance :)

2007-10-24 10:24:16 · 8 answers · asked by Deb 2 in Credit

ok i am trying to apply for a credit card, since i have no credit, i need to build some up.... i was looking at orchard bank, and they want a down payment of your choice of $200, $500, and i think $1,000.... is that more like a pre-paid card more than a credit card? if i paid $200 for my down payment would that be my spending limit?

2007-10-24 10:16:05 · 5 answers · asked by Anonymous in Credit

I don't charge my customers for sales tax (easier for them to accept fixed prices),so I give them round packages (e.g. $800) and I invoice them for 850.40 (package + sales tax), then, I give them a credit against the "sales discount" G/L account for the 50.40, that way I account for the sales tax, but eat it out of my pocket.
I noticed that my acctn. software puts the "sales discount" credit as an income G/L account. It does come off the balance, but I am not sure I am screwing up my income statement. I don';t really understand how a sales discount acct. can be considered income.
Am I doing the right thing? or is there a better way to pay sales tax, and still give round price packages?
Is sales discount the right account to post to, to offset the sales tax so I can pay it instead of the customer?
This probably sounds too confusing, but I really need help. Any accounting guru out there?
Thanks!!!!

2007-10-24 10:13:35 · 3 answers · asked by veryintrigued 2 in United States

I brought my nintendo wii all the way in january this year from argos its know october. Basically i was just wondering if i can still return my nintendo wii back to argos. I got the box, recipt and everything it is still in good condition. The reson why is becasue my wii malfunctioned inside. On the recipt it says "All products are guaranteed for at least one year." does this mean i can return it back and get my money back because am returning back in under a year but it also has a 30 day money back gurantee so am abit confused. So can someone tell if i can get my money back for the wii?

2007-10-24 10:13:05 · 13 answers · asked by Anonymous in Other - Business & Finance

2007-10-24 09:59:15 · 8 answers · asked by Anonymous in Other - Business & Finance

2007-10-24 09:50:17 · 8 answers · asked by jenny 2 in Credit

I am currently in a management in training position and I had a particularly stressful day last week. I got lost on my way to another one of my stores, argued with a mean convenient store man and then an associate quit. When she quit I just lost it and started crying bc all the days stress got to me. I quickly cleaned up (like literally 2 or 3 minutes and was back on track). The only bad thing is my boss heard me crying and now im thinking maybe she thinks i cant handle the position.
My boss's, boss's boss said I handled it extremely professionally and she was very impressed but im worried about just breaking down && crying like that.

What can I do to get it back on track?

2007-10-24 09:45:20 · 4 answers · asked by rusefox 3 in Other - Business & Finance

Basically my issue is this...I applied at a bank, they denied me the job because I have a charge off on my report regarding a repo/forclosure of a home. Now, not that the companies care to find this out but, at the time my husband and I made ourselves available to the leinholder to resolve the issue, we'd give them all info they wanted when they called but would never return our calls when we'd try to contact them. We didn't even get far enough to get any kind of system set up to pay off the account before we began having issues contacting them. How can we be expected to fix something like this if they won't talk to us? And how fair is it that a company won't hire you for something you have no control over? Especially if it's a company where they don't handle large sums of money and you'll be touching or have any access to company funds. It's a receptionist position for goodness sake.

2007-10-24 09:40:22 · 5 answers · asked by Melissa J 2 in Credit

What do you do when you have a really cushy (for the most part) job, with decent pay, but my boss, a doctor, has turned into a real butthead. He has no patience, is very demanding, and lazy, to top it off. It is just a small practice, and his wife is the office administator. I am the only employee, and they have been very good to me, but lately, there has been some strain. I have though about finding a new job, but I am their only employee, and if I quit, I would be leaving them in a real bind until they trained someone else to do my job. Any advice???

2007-10-24 09:39:45 · 32 answers · asked by Don't shop, adopt! 3 in Other - Careers & Employment

I am an MD doctor with a post graduate master and PhD degrees in health care management, I have ten years experience as hospital general manager and still holding the same post.

2007-10-24 09:30:27 · 3 answers · asked by ahmos 1 in Food Service

are you suppose to pay tax ( not property tax) on a condo what you are foreclosing on? something like a 1020 and it is adjusted to your income?
I am not sure but i think someone told me something like this.

2007-10-24 09:29:50 · 6 answers · asked by Eva Daniel Rn 4 in Renting & Real Estate

Someone in another one of my questions said at 400 a year i have to file taxes, but does that mean that after 400 they start taxing? Becaue i thought anything under 8k was untoachable. Does it make a difference if im a self employed minor and a dependant of my parents?

2007-10-24 09:22:32 · 6 answers · asked by Anonymous in United States

My boss just informed me today that her bank will no longer provide her with direct deposit services because of the Patriot Act. What's up with that?? If the Patriot Act were really the reason, wouldn't this have occurred 5 years ago when the Patriot Act was made?? Or put into effect or however you want to say it. Thanks in advance for any thoughts!

2007-10-24 09:20:23 · 4 answers · asked by Natalie Z 2 in Personal Finance

i lost my lease agreement and we didnt notify the landlord in writing about the mold, we called him on numerous occasions. there is mold on the whole wall of our washer on and inside the wall, my boy friend removed most of it with his hands and sprayed the rest down with bleach and water but it keeps comming back. there was a lique from the washer and dryer hookups that we fixed because the land lord never did and that is why the mold is there. from the looks of it it had been there since before we moved in, thats just estimated because of how much was there, with it being halfway up the wall and at least 4 feet accross and imbeded in the wall. the wall was also so soggy my boyfriend had to bairly touch it for it to break and the mold was seeping through. im allergic to mold and there is no regulations in idaho on mold and i called the health department already and there is nothing they can do. what should i do?

2007-10-24 09:20:00 · 6 answers · asked by Anonymous in Renting & Real Estate

got me this message to my mail:
FROM THE DESK OF TRAORE HAMZA.
BILL AND EXCHANGE MANAGER
BANK OF AFRICA(BOA)
OUAGADOUGOU, BURKINA FASO.

Dear friend,
This message might meet you in utmost surprise however,it's just my urgent need for a foreign partner that made me contact you for this transaction.I am a banker by profession from ouagadougou-Burkina faso in west Africa and currently holding the post of Foreign Remittance Manager in our bank,Bank of Africa (BOA)Burkina Faso office .
I have the opportunity of transfering the left over funds $15 million of one of my bank deceased client who died in the sharter plane which crashed on mount kenyan in the kenyan city of sumburu on 21st july,2003 to any foreign account .
You can confirm the genuiness of the deceased death by clicking on this website : http://www.cnn.com/2003/WORLD/africa/07/20/kenya.crash/index.html
Hence,i am inviting you for a business deal where this money can be shared between us in the ratio 60/40 if you agree

2007-10-24 09:19:29 · 5 answers · asked by Andres G 1 in Personal Finance

is it away i can get a free gift card with out doing throes horrible surveys and is not a con

2007-10-24 09:11:22 · 0 answers · asked by Anonymous in Credit

2007-10-24 09:08:18 · 13 answers · asked by lbe4life 1 in Personal Finance

So my debt and my boyfriend's debt combined is 10,000 (mostly from our apartment furniture) and credit cards but I was going to take out a loan for 15,000 so we could have some extra I bring home about 2,000 a month by myself and my bofyriend about 1,000 a month...do you guys think it will be a good idea to get a personal loan..we do live together and i am 23 years old and he is 29

2007-10-24 09:05:24 · 6 answers · asked by sandra m 3 in Credit

I am about to go to closing in 5 days for a co-op apartment in Queens, NY. But after looking at zillow.com just now I found that recently sold co-ops (that are of comparable size) in the same building and adjacent buildings in the same community sold for roughly 30% LESS than I am paying for this one.
When I was negotiating the price, I wanted to ask for lower price but the real estate agent told me that the board might not approve the sale of an apt there for such a low price--- I feel I was lied to. But after speaking to my lawyer, he told me I cannot back out now because I already signed the commitment letter with the bank.

Is it possible to still try to negotiate price for this? What should i do?!?! I don't want to overpay 30% for this...

2007-10-24 09:05:16 · 8 answers · asked by marycotter5678 1 in Renting & Real Estate

I need a loan for $2000 and would like to use prosper or a people to people lending site but my credit score is too low. I believe there is an error and it is being disputed but for the time being im in a pinch because I need this loan soon. Is there anywhere I can turn, any suggestions?

2007-10-24 09:04:50 · 7 answers · asked by quickneasycat 3 in Credit

What is it? I can't find it anywhere. I need it for a balance transfer to my Citi account. I know it's in Columbus, OH but that's it.

Thanks!

2007-10-24 09:01:42 · 9 answers · asked by Chris R 1 in Credit

I need money desperately

2007-10-24 09:01:23 · 6 answers · asked by Gary and Julie N 1 in Personal Finance

Ok so were planning on moving out in January. This is what i have come up with so far..
Bills
-Cell Phones $80
-Truck Insurance $200

Gas for truck $160
Groceries $120
Rent - Up to $700
-----------------------------
$1260 = $630 per person.
But thats just basic.
Right now I work 24 hours a week making 6.95, But also thats just basic I usually work more than that. And I'm a Waitress so I make alot of tips so I can make my half easy.
My boyfriend has a full time job getting 40 hours a week at 8.00. So he can easily afford it to.
We already have some furniture, and pots and pans and all that.

So is there anything I am forgetting? I live in Ontario by the way.

2007-10-24 08:57:05 · 9 answers · asked by Anonymous in Renting & Real Estate

2007-10-24 08:55:29 · 3 answers · asked by blueskylvr1983 2 in Credit

i lost my lease agreement and we have a year lease on our house. there is mold under the shower that the landlord just installed because he didnt remove all of the partical board that was under the last shower ( it was broken and water got through) and there is mold behind the washer and dryer. the whole wall is moldy. my boyfriend took some of it out by himself because the landlord wouldnt do anything. we didnt notify him in writing but we called him on numerous occasions because im allergic to mold. what should i do?

2007-10-24 08:53:10 · 6 answers · asked by Anonymous in Renting & Real Estate

i dont have much in my bank account, but i cant afford to lose it all! help

2007-10-24 08:51:57 · 5 answers · asked by latingal23 1 in Credit

Do I not have a right to view my own credit history?

2007-10-24 08:48:48 · 13 answers · asked by dishnet270 1 in Credit

Today is October 24th...My lease is up in a week and I have nowhere to go. I am going to be homeless. I lost my job back in July and having extreme difficulty in finding anyone who will give me one. I was supposed to have a job in Mexico for a little while but they renigged on me...I am completely desparate and at wits end and am contemplating going through with suicide. I need some advice please

2007-10-24 08:46:15 · 6 answers · asked by J Stew 2 in Renting & Real Estate

im looking for some insurance that will mean if either my fiancee or i die our house will be paid off in full (this way our kids have a home) im still quite young (38) any one know any good companys to get a quote with?

2007-10-24 08:44:04 · 16 answers · asked by atc,uk 2 in Insurance

Has anyone ever gotten any phone calls from a Burgess Law office for a debt. I did and I paid it off and now the lady said that since i set up my payment plan with someone else it is and not her that it is void. I told her that noone told me that and that i tried to call her and she was always out. She told me she was out for a medical emergency and I told her that was not my fault and she hung up on me. Now I can't get her back on the phone to figure out what the heck is going on and I don't want them to start taking out more money that we agreed on. They are killing me.....

2007-10-24 08:42:26 · 3 answers · asked by kristidbr 3 in Credit