Business & Finance - 14 November 2007

Here's my dilemna. My parents have 8 years left on their 15 year mortgage. They have just recently gotten stuck paying for a house they co-signed on and have decided to down-size into the smaller house (they are contracted to buy that house in 2 years) and my wife and I are living in their old house (the one with 8 years left on it).

Their credit has gone down hill since the co-signing mishap and they might not be able to get a loan for this other house (even if we bought their old house). I was wondering if we could put their smaller house in our name while we live in and fullfill their 15 year mortgage. (Does that make sense?) Is this legal? I don't see why not. Feel free to ask questions.

2007-11-14 13:19:41 · 9 answers · asked by mpolmankc 1 in Renting & Real Estate

Maybe its me, but I dont get it. Why do these Hiring Managers make you jump through hoops of fire just to get hired? I mean its ridiculous. The jobs I applied for, they train you on the job. So why does expierence and work history matter? By the way this is retail im talking about, not anything where a degree is required. Now I realize they have a lot of applications, but really, does it take 2 months in a half to hire somebody?. Even if its not me. I mean just to hire somebody?. Meanwhile, you have people who can barely speak english doing customer service jobs. When you call a business for a question about a product, sometimes you will get somebody on the phone who you can barely understand. I know the managers cant discriminate against them, but come on, that job really should be for people who speak clear english so their questions can be answered without you having to keep saying-can you repeat that? I cant understand you?.

2007-11-14 13:19:19 · 5 answers · asked by ashleigh2501 3 in Other - Careers & Employment

Say a company is being sued and they know they are in the wrong. The legal counsel says the penalty will be around 5 million. Would you be better off not reporting anything until it is settled or should you make an accrual for the estimated amount?

2007-11-14 13:16:45 · 1 answers · asked by Anonymous in Other - Business & Finance

2007-11-14 13:13:25 · 5 answers · asked by redbone001 1 in United States

A little story. For some reason my employer decided to stop my direct deposit on my paychecks. So me thinking I had money in my bank account I went on spending as i normally do. To my shock I check in a few days that I have a negative balance on my acct. So I check with my employer and sure enough my check is sitting there waiting to be cashed and it never went out to DD.

So anyways I finally deposited the paycheck to my bank (JPM Chase) and now the money is in Present Balance but not in available balance? Why is this? I gave the check to the bank on Friday and its Wednesday when can I use the money? I have a negative balance of -$10.56 still.

2007-11-14 13:10:56 · 5 answers · asked by Dexion 2 in Other - Business & Finance

I am a fresh 19 yr old with a credit score of 470 smh. I am looking to purchase a car in about 4months and i need my credit score up to about a 650 670. I have a cell phone bill that has bin sent to a credit agency i need to pay bill of 800. I also have a credit card bill rite now open with about 6 late payments of 563 and a saks credit car with 280 balance on my report. can someone tell me if i pay my credit card off in installments of 100 weelky( i have the money but just to stretch the payments) and pay the phone bill of in payments of 200 weekly and pay the saks off one shot will this boost my score to where i need it?

2007-11-14 13:09:44 · 6 answers · asked by Anonymous in Credit

I'm single and I hear them guys get a lot of action from all the MAMMAS out there. The guys that do this tell me a lot of women like to do a little TRADING FOR ICE CREAM (if you know what I mean) I need some advice.

2007-11-14 13:09:09 · 3 answers · asked by themojoman_dj 1 in Other - Careers & Employment

if there are any websites for reference or for tests, please do inform

2007-11-14 13:01:30 · 1 answers · asked by bad lamb 1 in Marketing & Sales

Just curious to see if any one knows: If you get a work at home job, or online job, does it get reported on your taxes? I know it might count as another job, but will the government charge you more taxes (you will owe them money, instead of getting any back) for that type of job?

2007-11-14 12:59:28 · 5 answers · asked by lovelydulce01 2 in United States

Stock A has a beta of 1.5
Stock B has a beta of - 0.6

which stock has the highest risk acoording to their beta, A or B.

Why?

2007-11-14 12:56:54 · 4 answers · asked by Anonymous in Investing

im 18 dont work and go to school (high school)
do i need to do taxes
or will i get introuble if i dont

2007-11-14 12:56:08 · 3 answers · asked by Anonymous in Other - Taxes

Im looking st two ETF that follow the S&P index.. Both have the same patterns over a 5 yr trend. but one is 160 a share oppose to other which is about 70. Is there any difference? i could be buying more more shares at 70... any opinions?

2007-11-14 12:52:07 · 4 answers · asked by simaticoo 2 in Investing

Can I build cabinets for people without a license. Live in California, and I will study for my contractors license. What forms do I need? What type of contract, what should I be aware of. Help is dearly appreciated.

2007-11-14 12:48:28 · 1 answers · asked by Ace of Spades 5 in Small Business

and know that your money was really going to help needy people recover... or pay medium taxes and have needy people get shoddy help that doesn't really work?

Sort of like would you buy yourself a reliable car for good money, or a junker that may keep taking more money and never work well....
Cause you get what you pay for, right? Even with social services.

2007-11-14 12:43:37 · 4 answers · asked by wawawebis 6 in United States

i come from a upper-middle class family and have thus always lived quite comfortably. I find myself going into an artistic profession that generally has modest pay, even after decades in the discipline (i.e. $30-40k / year). i am pretty sure though that I will be getting about $2 million in an inheritance from various family members over the next 20 years. my question is: if i use this money properly, will the inheritance allow me to maintain the lifestyle I'm used to, despite my modest income? Or do I need to adjust my idea of what a reasonable life is (or change my profession)??

2007-11-14 12:42:03 · 3 answers · asked by tidy mess 2 in Personal Finance

serial number DL09141979*

2007-11-14 12:36:01 · 2 answers · asked by buckeye1943 1 in Personal Finance

when i was born i was given a 5,000 dollar scholarship from Kodak and the only thing i know about it is that it may be a CD. that is all i know and the money was supposed to be for college. It is about time for me to go to college and i need to find out how i can get it and my parents dont know either becasue we moved away from the city i lived in at the time....

any help on who i should contact or things to research
would be appreciated

2007-11-14 12:28:49 · 3 answers · asked by Anonymous in Personal Finance

Facts:
- I have not lived at home since I was 18. My parents did not give me a living allowance. I paid for school through student loans.
- I turned 21 in March 2006.
- I was a full-time student until August 2006.
- I began working full-time in August 2006. (I made about $15,300 for the year. Long story short, my student job was through federal work study.)
- I got married in October 2006.

I filed (married/joint) and my mom filed (claimed me as a dependent) taxes for 2006.

The IRS sent both of us letters stating that we need to "get our story straight."

My mom is upset because now she owes something like $3,000 for claiming me as a dependent whereas I wasn't her dependent. Her accountant has suggested that I refile as married/separately... so I pay something like $1,000 and my mom can claim me as a dependent.

Does this situation sounds strange to you? I think her accountant doesn't know what she's doing. Recommendations?

2007-11-14 12:28:07 · 13 answers · asked by emilieluvsparis 1 in United States

She had borrowed 3000 on August 23. Two weeks later I gave her the money to pay, but the interest had taken the payoff to 4000. She paid 3500. I didn't know she still owed 500. Her first payment was due on Sept. 23. Since she had paid the 3500 in early Sept. she thought she was ok for her Sept. payment. When she went in to pay her Oct. payment, she found that the 500 had turned into 1500. She left without paying and started doing some research on usury laws. Her payment was due on Oct. 23 and they took her car in the middle of the night on Nov. 12. In reality, by paying that first 3500 she had paid in advance and hadn't even missed one payment. This is just too unfair. She is a teacher and spends her days making the world a better place. These people are criminals, but I don't know how to fight them. Surely, there are laws against this--especially given that she has paid 3500 since August 23 and this is only mid-Nov. The original loan was only 3000.

2007-11-14 12:13:15 · 6 answers · asked by Anonymous in Personal Finance

2007-11-14 12:11:29 · 4 answers · asked by Johnnybot 1 in Other - Business & Finance

2007-11-14 12:09:19 · 3 answers · asked by ANNA G 1 in Personal Finance

2007-11-14 12:09:01 · 1 answers · asked by jcnguetta 1 in Corporations

my grandparents didnt pay social security but that was because thier work had there own retirement plan but i want to know what i can do so i can stop paying and start putting money in that money in my IRA account

2007-11-14 12:08:00 · 7 answers · asked by JEANETTE G 2 in Personal Finance

to find a job out of law school and the competition is terrible. What are your thoughts or experiences? I am finishing my Bachelors in college and wanted to apply to law school when i was done, although i do not want to spend thousands of dollars and time and energy to find it very hard to even fine a job when all is said and done.
Thanks!!!

2007-11-14 12:07:54 · 3 answers · asked by Mrs! 2 in Law & Legal

Which classes should I take?, business..culinary...etc..

2007-11-14 12:06:16 · 1 answers · asked by Anonymous in Small Business

It is for my test tommarrow. please help me!!!!!!!!!!!!!!!!!!!!!

2007-11-14 12:05:35 · 4 answers · asked by Madison B 1 in Personal Finance

I have an S Corp. in California.

2007-11-14 11:59:04 · 3 answers · asked by rar_superior 1 in Corporations

2007-11-14 11:58:36 · 25 answers · asked by Johnnybot 1 in Personal Finance

2007-11-14 11:40:19 · 8 answers · asked by Anonymous in United Kingdom

2007-11-14 11:33:02 · 3 answers · asked by Anonymous in Personal Finance