Business & Finance - 28 November 2007

Ok here goes:
I'm 19, and am in the process of purchasin a house with my Mrs.
I need a loan for about £5900 (to pay off over about 6 Years at £105-ish a month) to pay the deposit.
I've 2 Credit Cards (with a total of about £1000 on) which I've never missed a payment for, I also have an overdraft of £750 which I use alot at the minute, mainly to pay the credit cards off.

I've applied for 3 Loans in the past week and have been rejected for each one. Using Equifax, my credit rating is "GOOD", so I don't understand what the problem is?
The first 2 loans I applied for were for £8000 (so I could pay off the overdraft/credit cards too), maybe that's why I was declined for the first 2?

If any body know a decent Building Society/Bank/Whatever who will lend me £5900 for a deposit, I'd be extremely grateful if you could tell me. Alos any advice would be much appreciated.

Cheers

2007-11-28 20:06:00 · 6 answers · asked by Scott H 2 in Credit

I've worked before in a female-dominated profession (veterinary hospital). I know that in a workplace with a lot of women there can be a lot of gossiping, lies, and hate-talk going around It personally drives me nuts. I mean, I know that's what women do. That's how they communicate and relieve their emotions. But it drove me crazy at the animal hospital.

So my question is, if I pursue nursing, while I go crazy working in a female-dominated workplace?

2007-11-28 19:43:28 · 3 answers · asked by airforcewolf 4 in Other - Careers & Employment

I sell a product whose *universally* recognised name is a registered trademark (That doesn't meet TM requirements). The ones I sell are a competing brand so when I use the TM'd name in the item title, the TM owner gets ebay to remove the listings.

The entire range becomes unprofitable without the important key-word in the title.

RE: ebay item titles (In case you don't know) - They are where the ebay search engine looks for keywords searched for by potential buyers. If the word's not in the item title, they don't find my listings.

"Trade mark protection is only available for words which consumers would recognise as providing an indication of the origin of products or services. Once a word has entered common use, it may be used in relation to products or services offered by a range of providers."

I don't want to challenge the trademark, just get the owner to realise they're lucky to have it at all and could leave me to it! I don't mind other ebayers listings being removed, lol :)

2007-11-28 19:17:37 · 8 answers · asked by iRant 3 in Small Business

Ive heard from a few people there is no legal hand writing saying we have to pay taxes

i just dont get it.

2007-11-28 19:08:17 · 17 answers · asked by Anonymous in United States

2007-11-28 19:05:31 · 2 answers · asked by Kaveh 1 in Other - Business & Finance

2007-11-28 19:04:38 · 23 answers · asked by Anonymous in Renting & Real Estate

2007-11-28 18:56:56 · 3 answers · asked by Anonymous in Small Business

These days there are a lot of online jobs on the internet where one has to open a website and post some adds from google and we get paid for the number of clicks the add gets. It seems the brainchild behind this is a company called COMMISSION JUNCTION. They give you cheques that can be encashed in any bank in the country. Please tell me if we can trust them and go ahead as I am intrested in one such offer?

2007-11-28 18:46:14 · 6 answers · asked by Anonymous in Small Business

A courier is sending a message that I have a credit for a package that needs to be sent to me with money from World Bank Group, Fact Finding & Special Duties office . Is this worth believing?

2007-11-28 18:42:31 · 2 answers · asked by leal13 1 in Other - Business & Finance

i wish to know abt online jobs , are these spam or reality.
are thes avalable in india also?

2007-11-28 18:40:58 · 3 answers · asked by piyush b 1 in Small Business

I'm looking for a good online stoker broker in terms of the folowing, in the same order of priority:
1. Good analysis and recommendation for short term and long term
2. Reasonable brokerage for the service offered
3. Ease of use of the website

Also, any suggestions on stock analysis/recommendation websites?

2007-11-28 18:06:47 · 2 answers · asked by jarasu 1 in Investing

Suppose that the bagel shop above is the only shop in the residential district of a city. If residents want different types of bagels, they have to drive 45 minutes to the downtown area, where there are many other bagel shops.

This is an example of:




A. Product differentiation by location

B. Product differentiation by style or type

C. Product differentiation by quality

2007-11-28 18:05:29 · 2 answers · asked by ss 1 in Corporations

Need Extra cash flow!!
maxed out all my credit cards and savings.
the restaurant business is doing slow now and i need cash flow to keep the restaurant running and pay rent, utility bills and more bills

2007-11-28 17:39:49 · 4 answers · asked by soydae 1 in Small Business

Consider the monopolistically competitive market for men's cotton pants. One company claims that its pants remain wrinkle-free after washing them numerous times; one company claims that its pants are liquid-resistant; another company claims that it has pants for people of all height, weight, and physique. These companies differ in their production processes, but they use the same type of cotton cloth to produce their pants.

These sellers are differentiating their products by _____.




A. Type and style

B. Location

C. Quality

2007-11-28 17:30:41 · 5 answers · asked by ss 1 in Other - Business & Finance

how can you find info about someone on the net, ie. business, real estate etc.

2007-11-28 17:27:17 · 4 answers · asked by Anonymous in Personal Finance

2007-11-28 17:24:10 · 9 answers · asked by Anonymous in Personal Finance

I have seen a website for typist job but not sure if it is scam. If you know any reliable and genuine ones, please recommend me. Thanks a lot

2007-11-28 17:23:08 · 1 answers · asked by Anonymous in Other - Careers & Employment

any ideas would be greatly appreciated thankkss
i am underage
it isnt a nightclub

2007-11-28 17:21:46 · 3 answers · asked by Anonymous in Other - Careers & Employment

2007-11-28 17:15:06 · 2 answers · asked by deepdiver 1 in Health Care

i owe eleven thousand on both cards i make 906$ every month i was thinking all my money put in my bills but what if i need emergency etc

2007-11-28 17:12:21 · 6 answers · asked by dvcgurl 7 in Credit

2007-11-28 17:03:57 · 5 answers · asked by MAN B 1 in United States

I earn about 3,200 a month from my job. I have my EIN but my business hasnt taken off god yet. How i get a nice refund. I am also claiming 2 children. I will settle on some tips on how not to owe. I use H@R Block but i feel like they are not getting in depth with my exemptions and so on. HELP ME PLEASE

2007-11-28 17:02:56 · 2 answers · asked by pamela m 1 in United States

guidelines might you recommend regarding oral and written communication with job applicants by members of the organization?

2007-11-28 16:58:50 · 4 answers · asked by Anonymous in Corporations

Which one do you prefer and why?

2007-11-28 16:53:27 · 4 answers · asked by Anonymous in Corporations

how much would i get from federal for having a baby?

2007-11-28 16:50:52 · 4 answers · asked by bmgriffin97206 1 in United States

If i see something i have to get it im living at home and dont have to pay for anything but for things at school, I have a night time job at a fish and chip shop, i get $10 a hour and do about 18 hours a week so you do the math, thats about $180 a week soo i have alot of munny to spend. I want to no how you risest your self not to get this that and and everything, i wont to no how you save your munny?

2007-11-28 16:44:27 · 9 answers · asked by Anonymous in Personal Finance

I just got a job @ Target and I'm getting $9.25 an hour for approx. 7 hours Saturdays and 7 hours Sundays only. I need to make $1500 ASAP. How long do you think that will take me, especially if taxes are being taken out?

Thank you very much!
-M

2007-11-28 16:43:51 · 3 answers · asked by zboril24 1 in United States

I posted a question the other day regaridng a collection agency and I am not sure I worded the question right: my problem is this: I have a collection agency who is collecting for some old tickets from about 10 years ago. They stated that I could make payments, but that they would not report any payments to the original debtor (NOT THE CREDIT BUREAUS) until the whole balance is paid. I am curious as to how the courts are to know that I am making payments and not take further action against me if the agency is not reporting my payments?

2007-11-28 16:41:26 · 3 answers · asked by cvjade 3 in Credit

Please help, I have applied for Amex card at Costco. I am the main card holder and I also have a second card opened for my friend. My friend used the card to make a big purchase that I was not aware of, then he just took off and now I cant find him anymore, can I disputed the charge and have credit card copmany go after my friend but not me? Please help

2007-11-28 16:40:44 · 2 answers · asked by little laho 1 in Credit

Question Regarding Options Trading, using lowes for a example

Looking at purchasing Lowes call option with strike price at 25.00. for $1.55. Currently lowes stock is selling at 23.50. If i purchase 10 call options my cost is $1550.00, is this correct.

If so say that lowes stock jumps up to 24.00 sending the call option up to $1.95.(theoretically) Is there any way that I can cash out of the option and collect my projected profit, or am i locked into the option until it expires

Projected profit- 1000 x.40(change in option price)= $400 -commision charges.

As well to do the above trade do I need to own 1000 shares of lowes stock or can i just own the option on lowes stock.

Any help would be appreciated

2007-11-28 16:39:49 · 10 answers · asked by newbie 1 in Investing