Business & Finance - 13 November 2007

I usually only go overdraft by very little amounts (always under £10), but Lloyds still charges £30 per day. The total I have now been charged for this has reached quite a large number now and I heard that there is a way to get it all back. I have read what Lloyd's says here about the 'test case':
http://www.lloydstsb.com/ways_to_bank_with_us/answers_bank_charges.asp
but is there anything I can do right now.

Can somebody please give some advise... I'm only 17, so it would really be nice if I could get my money back...

2007-11-13 07:17:32 · 11 answers · asked by Anonymus 2 in Personal Finance

2007-11-13 07:15:37 · 11 answers · asked by Anonymous in Personal Finance

I am getting married next month, Dec. Now my qeustion is does she have to include me on her taxes for 2007? I heard if we got married with in the first 6 months of the year, then she would have to. But not if its in the last six months of the year. Anyone know this info?

Please and Thank you!!

2007-11-13 07:12:36 · 6 answers · asked by duh..... 1 in United States

I recently got married on August 11, 2007 and would like to know if I can file single for 2007 or if I need to file married. Also, do I need to change my deduction amount on my W-4 this year or can I wait until next year? Please tell me how to handle these things with the tax season coming soon.

2007-11-13 07:08:57 · 9 answers · asked by Anonymous in United States

It finally happened - I got a bad boss. It was bound to happen sooner or later. Among other really horrible things, such as sitting ON my desk and taking out his dentures in front of everyone and taking personal calls during meetings in front of everyone and knocking over people's plants etc etc, is his dreadful habit of constantly interrupting people's work and skulking around the office like a teacher during a test. I looked this up to find fellow sufferers and was astonished to find out that this is considered a valid and desireable management style called "Management by Walking Around". Are you kidding me? Slinking around and constantly interrupting people's work?

What do you think of MWA? How do you get any work done with a boss like this?

2007-11-13 07:08:50 · 3 answers · asked by AJ 6 in Other - Careers & Employment

An older friend of mine told me that his tip for success at the job is to not get involved in any Office Politics. He says he does not mix with his coworkers so he can avoid all office politics.

I thought about that advice for awhile and rejected it. I feel one has to mix both socially, culturally and organizationally to be part of the team. You also have to play office poltics if you want to compete with others in the office for raises, influence and promotions.

What do you think?

2007-11-13 07:06:57 · 3 answers · asked by Anonymous in Other - Careers & Employment

The website only gives me the information for 2006 and the phone numbers keep circling me through hotlines and touchtones and voice systems.... any ideas on how I can access this information without a hassle?

2007-11-13 07:04:08 · 6 answers · asked by Challah back Girl... 5 in United States

On our tax info at our jobs, my husband claims one for federal and I also claim one for federal. I only work part time so I was recently advised that we should change him to claiming 2 and me claiming 0 because he makes more than I do. Each week they take $250 out of his check in taxes alone, $130 of it is federal taxes... if we do this, how much less do you think on average would be taken out? I realize by me claiming 0 a little more will be coming out of mine but I think it will help w/ his because we get a very large refund check each year and I'd rather have more money throughout the year...

2007-11-13 07:02:10 · 5 answers · asked by bigdude07 1 in United States

Why can't we, for instance, put matching 401K money into our houses? Why do we have to invest in some fund?

These Funds do not disclose their fees, which are often substantial. When saving for retirement, why are we so limited in our freedom to choose?

2007-11-13 06:50:12 · 4 answers · asked by Anonymous in Investing

I need approximately $3,000 for my second semester of college and i am thinking about maybe borrowing about $4,000 and putting it aside in case i dont have enough for all my bills one month or something... is that a good idea or should i just borrow what I need and nothing more

2007-11-13 06:32:39 · 8 answers · asked by Lissa 2 in Personal Finance

My father has given me and my husband $90,000 to put down on a house. He is living with us also, but isn't on the title. He had to sign a gift letter. Will he have to pay a tax on that? If so, how much would that be? I'm pretty confused with gift taxes. I read that there is a $12,000 limit a year, but a lifetime of $1,000,000. As long as he reports the amount with the IRS will he have to pay anything? When we sell the house, we will be giving his money back.

2007-11-13 06:28:58 · 5 answers · asked by Anonymous in United States

argh. I am so frustrated. I really wanted this one. I kinda lost a bit of conficence when meeting with the president... but other than that all went really well. How long does it usually take to hear back? They aren't checking my references because they don't have them! Maybe I'll just give up on life.

2007-11-13 06:23:53 · 12 answers · asked by Anonymous in Administrative and Office Support

Do you think he will sell it easy?
Shabby house.
What are our rights?

2007-11-13 06:18:12 · 8 answers · asked by Anonymous in Renting & Real Estate

2007-11-13 06:13:38 · 7 answers · asked by james n 1 in Other - Careers & Employment

So, my high school does this activity called the SMG (Stock Market Game)
What happens is you get 100,000 in virtual money and you buy and sell stocks.
My partner and I are in need of help on some of our stocks.

Which of these should we sell:
BEBE
COST
SOHU
BIOF
EBAY
FSLR
MCD

The last four seem to be draggin' us down. Even though the last 3 have just recently been invested. BIOF has been with us for about three weeks now and has increasingly gone down, however the rest are doing quite well. Do I need to sell any?

P.S - Our balance is $40,741.37. How much more money could we use to invest before we get screwed?

2007-11-13 06:11:36 · 2 answers · asked by Anonymous in Investing

Im a U.S. citizen for about 2 years. But when i deal with my college Finanical-aid, i filled out the application as a u.s. citizen, but school told me that my social sercuity doesn't claim me as an U.S. citizen. therefore i had to bring in my citizen paper every sesmaster to prove that im a citizen.

what do i need to do inorder for social sercuity to claim me as citizen.

2007-11-13 06:07:07 · 4 answers · asked by ab 1 in United States

A nation that taxes its exports is doing nothing more than attempting to get the people of other nations to pay for the operations of its own government, but it does so at the expense of making its products more expensive in the international marketplace. That's why some nations take the step of removing all taxes from the products they export.

In the US we tax things at all stages of a products manufacturing. That means that from step to step the percentage of the price passed along that is due to taxes gets larger and larger. Some years ago I read somewhere that in an automobile sitting on the showroom floor at a US car dealer the amount of the sticker price that was due to taxes was 60%. On a car with a $30,000 sticker price that would mean that $18.000 of the sticker price was due to taxes. The absolute accuracy of that statement is immaterial for our purposes, but it is probably fairly close.

Now, suppose we take the step of removing all taxes from the autos we produce that are sitting on our docks for export. All of a sudden that $30,000 car would be selling in the international marketplace for $12,000. At that price we could probably be selling Cadillacs to the Japanese for less than they could buy their own Toyotas, and it would mean no cut in wages for our workers and no cut in profits for our automakers. Just imagine what removing all taxes from US exports would do for US based businesses, and for our workers.

For US citizens there would be absolutely no change in the prices we pay for autos and other US made products. It would just mean a huge boost in our export sales.

2007-11-13 06:06:33 · 2 answers · asked by George B 6 in United States

I JUST WANTED TO KNOW, IF ANYONE HAS EVER DONE BUISNESS WITH THESE/ THIS PERSON. I FOUND A WEB PAGE SHOWING CHEAP PRICES ON ELECTRONICS IN THE UNITED KINGDOM-LONDON AREA. GET BACK TO ME AT BIGGDADDYPIMP702@AOL.COM...

-CASPER-

2007-11-13 06:05:46 · 1 answers · asked by Casper C 1 in Small Business

1. What type of business organization does your business fall under: sole proprietorship, partnership, corporation etc?
2. What are some of your fixed and variable costs?
3. How much does one need to start a business like this?
4. Where does one get financing to start a business?
5. What type of education do you need to work in this business?
6. How much do you make a year?
7. What problems do you run into?
8. Do you have any others workers, that you pay?
9. If so, what requirements do they need to work with you.
10. Does running a company take a lot of your free times. Is it worth it? What are the pro’s and con’s?

2007-11-13 06:04:02 · 1 answers · asked by Anonymous in Corporations

I have excellent credit and was pre-approved for a home loan. I bounced 3 checks last month, which I have never done before and was due to a lack of communication with my husband about what day I get paid at my new job. Anyway, I have to submit my bank statements to the mortgage lender this week. Will this cause a problem? Thanks!

2007-11-13 06:01:31 · 7 answers · asked by Luv2Answer 7 in Renting & Real Estate

2007-11-13 05:58:02 · 16 answers · asked by sjohnson2294 1 in Renting & Real Estate

give them my real name. I didn't realize what was going on until later when I called the place back...because it sounded fishy. Should I call and tell them I have no knowledge of her whereabouts, or just act like I don't know the person? I truly don't know where she is now, but don't want them to try and pursue ME thru my cell phone. At NO TIME did I sign anything or stand as a reference for her.

2007-11-13 05:53:15 · 13 answers · asked by spikeylu 1 in Personal Finance

i am on state insurance and need alot of medical work done and if i get a job they will cancel my insurance. and with my husband being a convicted felon people look at him funny when he applies for a job. What can i do we have 5 kids and will not have the money to get them christmas. PLEASE HELP

2007-11-13 05:50:32 · 6 answers · asked by shedevilmamma 1 in Health Care

2007-11-13 05:44:04 · 2 answers · asked by Anonymous in Corporations

I just got hired at a pretty well off company, and they said I am eligibile for their 401k plan after 3 months, I've heard it's good for your future but I don't completley understand how this works exactly ??

2007-11-13 05:43:06 · 7 answers · asked by Anonymous in Other - Careers & Employment

2007-11-13 05:41:28 · 3 answers · asked by timido 2 in United States

I have been looking for a change of work environments for the past couple of years. I have sent out resumes applying for quite a few positions none of whom I have received an interview from. I have 12 years experience in municipal government in a very large city and I cannot understand what I need to do to spark interest in my resume. It has all the key words and ideas that I think would pertain to such a job. Everyone in the field tells me that there are many people retiring from city manager work and very few young people coming in, so their are more positions than people to fill them. Why can't I seem to find one of those positions? Can anyone offer me some advice?

2007-11-13 05:41:08 · 3 answers · asked by rosenfrozen69 3 in Government & Non-Profit

if you owe money for rent and have moved out and they are going to gar, your check how much can they take out of it????

2007-11-13 05:40:21 · 8 answers · asked by judy_little@sbcglobal.net 1 in Renting & Real Estate

i want to be a computer programmer and am looking at university degrees. i cant really tell the difference between computer science and software engineering. which would be most appropriate for my career?

2007-11-13 05:39:38 · 5 answers · asked by charlotte m 2 in Technology

My early move is by mutual consent, however, I paid for the entire month of November on the 1st. Since I'm moving two weeks early, I was wondering when I should expexct a refund from my landlady? I know she has 14-30 days (according to CA law) for my deposti, but what about the extra rent I gave her?

2007-11-13 05:39:30 · 9 answers · asked by Cat 1 in Renting & Real Estate