Business & Finance - 24 October 2007

I was talking to one of my relatives who is in the business of mortgages. I was telling him that I was interested in buying a house in Minnesota (where I live). He told me that I would be better off renting for a year because the market is doing so horribly and buy a house when the market starts to go back up.

I'm unsure if I should take his advice or not and would appreciate any feedback.

2007-10-24 06:59:17 · 17 answers · asked by Aaron K 3 in Renting & Real Estate

my rent is 350 my lights is 69 my gas 54 how can i get more money still take care of my child its so expenisive

2007-10-24 06:53:46 · 7 answers · asked by Anonymous in Personal Finance

Im trying everything in my power to save my Cafe but i cant find a loan thats not a scam. I will not pay any FEES up front
and my credit is not the best. Im a Honest hard working mom
trying to save her business any help would be great.

2007-10-24 06:49:42 · 4 answers · asked by Lola B 2 in Personal Finance

I've also heard about stuffing envelopes. How do they work?

2007-10-24 06:46:40 · 9 answers · asked by ♥bigmamma♥ 6 in Small Business

Has anyone heard of the loan company Arcadia Financial?I was approved for a loan ,and the company wants me to pay $2,125.00 for loan protection insurance before they put the loan into my account is this a big scam?

2007-10-24 06:40:27 · 6 answers · asked by Anonymous in Credit

2007-10-24 06:37:41 · 3 answers · asked by Anonymous in United States

I work for a public accounting firm. I am looking for a new job and am writing up my resume. Should I include the specific names of the clients I have worked on over the past few years? They are very reputable fortune 500 companies (finance firms, mostly). Is this okay or is it frowned upon by employers? Thanks

2007-10-24 06:31:47 · 4 answers · asked by pawly44 2 in Small Business

I'm interested in knowing what people here in YR think about the company, and its policy, and drinks... It's for a project

2007-10-24 06:26:11 · 9 answers · asked by RGirll 3 in Corporations

My Filipina mother is a fantastic cook! She is always receiving accolades of how tasty her dishes are. I have eaten her food for all of my 37 years of life, and have never tired, nor will ever tire of her cooking.

I would like to start a restaurant (a small and modest one) that features her cooking. She still needs some coaxing to warm up to the idea.

Anyways. Anyone have any advice on how to start one?

Things like:

~ How do we trial run the concept? Seeing if people in our area would be interested in a particular ethnic food.

~ What are the general start-up costs involved in opening a small restaurant? And, if that amount of capital is not readily available, how to go about raising it?

~ What are basic principles in ensuring a restaurant does not fail? What are guidelines or the "Dos and Dont's" generally applied?

~ Are there differences of menued and buffet restaurants? In terms of operating costs and codes?

~ What kinds of licenses and certifications are involved?

2007-10-24 06:25:32 · 8 answers · asked by Dr. Ima G. Neus 5 in Small Business

2007-10-24 06:22:34 · 1 answers · asked by ryanmartin8 1 in United States

2007-10-24 06:19:57 · 2 answers · asked by Stephanie R 1 in Personal Finance

-About how much is E&O insurance? I know it varies, but give me an nationwide average for a part-time real estate agent.

-How much E&O coverage does a part-timer have to carry?

-What about business car insurance? About how much should a part-timer have to carry in liability coverage?

Thanks for the advice.

2007-10-24 06:15:39 · 2 answers · asked by Legend 4 in Renting & Real Estate

2007-10-24 06:13:15 · 13 answers · asked by texican 2 in Credit

2007-10-24 06:11:05 · 28 answers · asked by Anonymous in Investing

I am looking for a business name.
Hi everyone,

I would really appreciate your help.

I am looking for a business name.
I will be doing business as a legal copy service. We are a mobile copy service. We basically subpoena & copy legal documents.

Some names I liked discoverypro (taken)
Hardcopy (taken)
copydoc (taken)
CopyKat (taken)

I would appreciate any suggestions.

Thanks for your help!

2007-10-24 06:06:04 · 22 answers · asked by Anonymous in Small Business

I'm thinking about buying a place in the next year or so. My credit is about 580-600, in good standing with all accounts, just waiting for old stuff to fall off. I've got an income of about 31K, and my girlfriend makes 34K, and her credit history is very limited, but she has nothing negative on it. We're trying to get her some more credit in order to build a history. We're probably looking for something at bout 225K, with 25% down. What kind of rate might we qualify for?

2007-10-24 06:05:10 · 3 answers · asked by Andy 1 in Personal Finance

2007-10-24 05:59:51 · 4 answers · asked by Jason L 1 in Credit

I am a Single FT college student who works 2 jobs. I have worked as an Educator for 13 years. I will be getting my MS in ED soon. I do not want to get sucked into this home buying frenzy. I do not want to plan roots anywhere permanently. I am very busy and not home much. It seems so many single professionals are buying homes mostly for status purposes and a tax write off. My sister says most people think that way. People want to show the world they have made it and are a success. If I rent, I will give the impression of being low income poor white trash. Is that true? Honestly, I would not mind renting the rest of my life. Am I weird?

2007-10-24 05:54:06 · 27 answers · asked by LAgirl 3 in Renting & Real Estate

For IT and bussinsess proffesionals. I will be graduating in December with a bachelors degree in Information Systems, I was in the Air Force where I worked with computers , I have been an intern for three years with a reputable company doing documentation, and I have a certificate in project management (PMP). Is there anything else I can be doing to get myself in better shapefor employers.

2007-10-24 05:49:56 · 2 answers · asked by Big Dave 4 in Technology

We are thinking of putting our home up 4 sale but heres the thing,We paid 157,000 in 2001 and in 2003 it was appraised for 175,000.We had a market analyst done on out home and he said in todays market our home is only worth 160,000 and we still owe 149,000 on it and the realtor is charging us 10,000 to sell it so he figured we would break even and might even be in the hole a little.If we should wait a few more years to sell Is things suppose to be better or worse selling?

2007-10-24 05:47:47 · 9 answers · asked by Anonymous in Renting & Real Estate

What do you think will be the basic problem of financing Social Security in the next 25 to 30 years?

2007-10-24 05:45:29 · 7 answers · asked by Anonymous in Personal Finance

I am a student who is living at home. l have been approved for a home loan. I have comtemplated accepting, buying and renting out the home. Aside from the risk of renting to tenants that may be problematic, what else should I consider?

2007-10-24 05:45:01 · 12 answers · asked by PV82 1 in Renting & Real Estate

I know it means why or because but how does this pertain?

2007-10-24 05:39:16 · 12 answers · asked by cannonkd 2 in Other - Careers & Employment

I fell into the payday loan trap, which I struggled my way out of. Now when I see someone going into one of those places, I just want to run grab them and pull them in the opposite direction! I hate predatory lenders.

2007-10-24 05:34:52 · 7 answers · asked by elaine 2 in Credit

I did once was ready to drag him out by the the scruff of his neck.

2007-10-24 05:32:13 · 21 answers · asked by D 7 in Other - Business & Finance

What can be done to solve the problemo?

2007-10-24 05:31:01 · 12 answers · asked by Anonymous in Personal Finance

I have to prepare an account reconciliation and i need an excel presentation if possible, i'm lost, thank you for helping me

My email adress: trustandrespect81@yahoo.fr

2007-10-24 05:24:49 · 2 answers · asked by Trust 2 in Corporations

I received a letter from an old employee (10 year associate, left two years ago) saying I either had to rollover my 401K to an IRA or employer plan. I have over $10k in the account. I was under the impression they had to maintain it by law. Did the law change? Links would be appreciated.
Thanks

2007-10-24 05:24:33 · 8 answers · asked by bigdaddy 3 in Personal Finance

I asked this a while back and phrased it poorly, so let me try again.

I have a Capital One offer to transfer up to $20K to a fixed APR FOR LIFE at 5.99%. From the 3 cards I carry, they total about $25K total. There is no annual fee, & NO transfer fee which surprises me (since it's typically 3% of the transferred amounts). This sounds like a pretty good deal, with a regular APR of 11.99% on purchases, although I'd plan not to use this card for any other means than to pay it off (feel free to laugh). Since the minimum payment each period is 3% of the total, or about $600 min, it's less than I currently pay in total for the 3 cards, but I would plan to pay $1K per month.

Is this a good idea to do? My offer expires on 10/27.

Does anyone know how to calculate future payments? Say I have a $20K balance at 5.99% APR. I make payment 1 at $1K... how could I calculate my next payment based on the APR & a new pre-APR balance of $19K?

Thanks!!

2007-10-24 05:19:32 · 5 answers · asked by Cap'n Jayhawk 1 in Credit

2007-10-24 05:11:51 · 8 answers · asked by Anonymous in Credit