Business & Finance - 15 November 2007

even though there will be no support staff in all the locations to even assit customers?

2007-11-15 06:06:21 · 4 answers · asked by kelicsoul 2 in Small Business

My husband and I closed on our first home this morning. We signed at 8 and the seller signed at 10. Can anyone tell me when we should know if our loan was funded and all is okay with Bank of America. The wait is driving is CRAZY!!!

2007-11-15 06:02:07 · 7 answers · asked by Anonymous in Renting & Real Estate

I'm looking at jobs in the LA area (salaries from $40,000-$50,000 per year). I've never been to CA but I do live in NJ about an hour from NYC. I know what the rents are like in NYC and also how good the pub. trans. is -- is LA similiar? what is the rent like for a one bedroom apt. or studio in a nice, safe, area? How is the public trans - can you live there w/o a car and still get around like you can in NYC? thanks...

2007-11-15 05:55:16 · 3 answers · asked by Anonymous in Renting & Real Estate

Not too long ago, I had a boss dismiss me by having his underling tell me that he was letting me go. Not only that, but I just got an email from someone who told me that when she was recently fired from her job, her boss had his boss break the news to her over the phone instead of in person. When she emailed her boss to demand an explanation for his behavior, he just responded by sending her an email thanking her for working for him. What's up with that? Do these bosses just not have the cojones to fire people to their faces?

2007-11-15 05:55:02 · 7 answers · asked by tangerine 7 in Other - Careers & Employment

if i get into real estate will that be a good job?...and how long would it take to get my license?..

2007-11-15 05:52:55 · 3 answers · asked by LUPE 1 in Renting & Real Estate

does anyone have any good startup ideas or work with an internet company to make money

2007-11-15 05:48:19 · 2 answers · asked by j10 1 in Small Business

2007-11-15 05:44:07 · 4 answers · asked by darling205852 1 in United States

I have heard that their interest rates are lower than that of the banks. Can this be confirmed?

2007-11-15 05:36:40 · 3 answers · asked by Theorymaster 2 in Personal Finance

We bought beautiful furniture from this place that is closing as a result of government wanting the land. They said 4-6 weeks. It is 6 weeks tomorrow and it's still not here. We needed to have it by thanksgiving. I have been talking with a manager and they can't promise anything. What else can I do? Is there any way they can give us the pieces off their display? What is my legal rights in this situation? I'm having guests for Thanksgiving and the weekend and my house has no furniture!

2007-11-15 05:29:08 · 4 answers · asked by af 1 in Other - Business & Finance

2007-11-15 05:23:02 · 12 answers · asked by Anonymous in Credit

I need some extra money for the holidays..
Im disabled, and a stay at home mom..
I really need some money but cant figure out how to get some..
Anyone have any ideas on how i can get any.. Any ideas on what to do?
Deb :)

2007-11-15 05:21:17 · 4 answers · asked by debbie 5 in Personal Finance

...you know a current member of staff ?

My friend has had a job for two weeks now and the shop is hiring again for casual staff....

I went in to hand in an application form today approached the manager and asked "Are there currently any casual staff vacancies?"

and the manager said "Do you know him ?" (pointing at my friend)

I said "Yes" ???

she then said "Sorry, we do not accept applications from friends of staff members"

.... Is this legal to refuse to accept a application for employment due to this ?

2007-11-15 05:19:46 · 11 answers · asked by Roger 6 in Other - Careers & Employment

I am just finishing up my first quarter in a graduate program for library science and seriously doubt future job prospects in my area. I don't want to be in thousands of dollars of debt for a degree that may leave me without a job in my field .... Plus, after working at my public library as a circulation assistant, I've found the public service aspect of the career to make me feel very frustrated and annoyed.

Since I also had an interest in the legal field but had no interest in pursuing law school, I have considered abandoning the library degree and getting a paralegal certification (there seem to be frequent postings for these positions in my area).

Is this a bad idea?! I'm so lost and confused!

2007-11-15 05:15:58 · 4 answers · asked by Annie 1 in Law & Legal

I just got done with my 2nd interview and they said theyre going to call me back soon to offer me a position and what not- at first I really wanted to work in cosmetics, then they said they might have an opening in fragrance, but then I was considering womens handbags and accessories. I can't choose mainly because I don't know which departments pay more (commision or non-commisioned) and which department I'd get more hours in. If you have worked at a Macy's, currently work there, or know someone that works there, HELP ME OUT! Thnx!!

2007-11-15 05:14:36 · 4 answers · asked by DBaby07 1 in Other - Careers & Employment

I made an offer on a bank foreclosed condo. The bank that owns the title to the condo accepted my offer. I signed the contract with a $1000 earnest deposit on Nov. 7th. It has now been 8 days since I signed the contract and I still have not heard back from the seller. My real estate agent has called the banks agent several times but has still not gotten an answer back from them. How long does it typically take for a bank to sign a real estate contract?

Also there was a closing date of Dec. 4th on the contract. is Dec. 4th still a realistic closing date?

2007-11-15 05:12:25 · 3 answers · asked by sdavid79 2 in Renting & Real Estate

she wants to leave her current apartment without paying fees or loosing her deposit, but is not sure if she can do it.

2007-11-15 05:09:35 · 3 answers · asked by santiago 1 in Renting & Real Estate

...Can I just set up a paypal account for deposits?

2007-11-15 05:05:20 · 1 answers · asked by R 2 in Small Business

Let me be more specific. My husband and I have applied for a construction loan to build a house. The loan amount that we asked for is $190,000. The loan is a 90% loan and we are supposed to come to the table with 10%. In the beginning, the mortgage banker mentioned something about if the appraisal of the land and house comes back high enough, at least $20,000 more than the loan amount, she would be able to put "back into the loan" so we wouldn't have to come to the table with so much. It appraised for $255,000. I don't know what "back into the loan" means, that was just her wording. Does this exist? How can we find out if we can come to closing with a lesser amount than $19,000? Also, if we have to bring the $19,000 to closing, are we then only financing $171,000 since we are paying $19,000? Can someone please help me understand? I want to be able to understand how at least some of this process works. I do know that our interest rate is 8%. Any info. I would appreciate.

2007-11-15 05:04:29 · 4 answers · asked by Anonymous in Renting & Real Estate

2007-11-15 04:54:28 · 6 answers · asked by e.rupard 1 in Insurance

I am currently in a situation where my realestate agent has dropped the ball on many occassions. She blames every fumble on someone else (including me, my wife, and my mortgage broker). Her fumbles, as well as a couple by the mortgage broker, have caused the closing of my house to be pushed back by a few days. This also affects the seller since they can't close on their new house until we are closed.

My question is, do we as clients have any protection whatsoever from an agent that has really failed miserably? Based on the contract, even if we cancel the contract we still have to pay her if we buy a house within 90 days of termination. How are clients protected from horrible agents or just bad agent mistakes and judgments? Her mistakes have contributed to the possible loss of the house and serious delays in closing. There have been may more fumbles along the way.

2007-11-15 04:50:59 · 4 answers · asked by J G 4 in Renting & Real Estate

2007-11-15 04:49:03 · 10 answers · asked by cher 1 in Renting & Real Estate

My money at first was being invested in a low interest money market and now i have invested it into the s&p 500; however i feel that maybe i should split it up into different stocks bonds and mutual funds. Any suggestions?

2007-11-15 04:48:37 · 8 answers · asked by razor 2 in Investing

I kow that I will have to pay eventually but I don't want to pay for things (like appraisal) if the rate between the Good Faith Estimate and the final rate jumps up (which it always seems to do) and I just want to walk away.
I always feel like I get suckered into taking a higher rate because I have already spent money on refinancing.

2007-11-15 04:48:11 · 5 answers · asked by parkdad73 1 in Renting & Real Estate

The annual maintenance fee on my condo is $500. The market value for renting a similar unit is $1,400 for the week. I purchased the time share for $12,500 several years ago. If I can claim a deduction.........for what amount?

2007-11-15 04:45:04 · 4 answers · asked by Jerry H 1 in United States

My husband and I have patiently waited out the housing bubble (realizing that the stuff that was going was just out of control on all sides!!!), and now we are starting to find a lot of bank owned houses. We live in New England, and the price of living is still a little higher than a lot of the country, but we feel that we may be able to get a good on a house now.

Has anyone else from New England (southern NH, or northeastern MA, specifically) had any experience purchasing a bank owned home? We are specifically interested in how much lower than the bank's asking price we can go. While it is considered a buyer's market at the moment, their are days when it doesn't seem that the sellers or the banks agree.

Any thoughts/advice, please?

Thank you!!

2007-11-15 04:43:34 · 4 answers · asked by cyn99di 3 in Renting & Real Estate

I am curious to hear opinions about which option, or a combination of the two, are best for long term financial growth for retirement purposes. Here are the basic details of both plans:

401k - Company matches 50% up to 6% of employee's contribution. Contributions are made per paycheck, which is every two weeks.

ESPP - stock is purchased at a 15% discount against the lower of two prices, the start or ending price of the period. There are 2 periods annually (6 months each).

So basically, for the same money, is it better to contribute to a 401k and get the match or contribute to the ESPP and get the 15% right off the bat. We do have the option to flip our stock at the period's close.

2007-11-15 04:41:06 · 4 answers · asked by David B 1 in Personal Finance

Ok I live in overpriced Miami. I've always understood that condo conversions are supposed to be a deal. But I've looked at several places & the prices are just as high. One place is being remodeled & being advertised as having pre construction prices. Doesn't pre construction mean new??

2007-11-15 04:39:24 · 2 answers · asked by Cristy 2 in Renting & Real Estate

I hate my job. I have been here over 3 years. I've only gotten one raise. I have a lousy cubicle. I get yelled at by angry people all day on the phones (I work at an in-bound, not OUT-bound call center). I have been on 3 different job interviews but nothing has panned out. I'm really getting discouraged and depressed. Is anyone else in a similar situation?

2007-11-15 04:38:52 · 7 answers · asked by your_dear_old_mother 5 in Other - Careers & Employment

After speaking to a realestate Attorney, I was told after foreclosure the amount we have as capital gain, will then written off as a loss due to the market value dropping. The likley hood of them doing a civil case against is low because of them having so many foreclosures. What do you think?

2007-11-15 04:38:25 · 1 answers · asked by Tamara M 2 in United States

I am trying to muddle through the Tax Form 990 for the local VFW. Money is spent locally to buy foods that are then prepared and sold at the VFW (Steak Night, Seafood Night, etc.). Money is then posted to the General Fund. How do I report it, or do I? And what about Hall rentals for private parties? Thanks!!

2007-11-15 04:26:19 · 2 answers · asked by red_heded_rebel 2 in United States