Business & Finance - 26 December 2007

We are shopping around for home owners & car insurance. Travelers is coming in cheaper & with more coverage than other places. I have not heard of them before (which doesn't mean anything) but Wiki has a lot of good things to say about their company. Curious on personal experiences & recommendations!

2007-12-26 06:18:05 · 6 answers · asked by Marley_Barley 2 in Insurance

I am buying a house and have to either get a jumbo loan (just over the $417k limit by about $10k) or a 80/15/5 loan(s). If I go the 80/15 route will it still be considered a jumbo loan with higher interest rates on both or not?

2007-12-26 06:16:56 · 3 answers · asked by ericmorgan80 2 in Renting & Real Estate

Hey there, we're a young family trying to save up for a home of our own but its really hard to save up money each month because we just had a baby and well, it's more expensive than we'd figured originally.
We try really hard to stick to a budget that allows for savings but our savings is not very big and it's slow going.
We have no credit card debt because we don't even have a credit card, but it concerns me that we won't be able to get a loan because we have developed no credit.
We do have student loans but we haven't started paying them back yet.
Any suggestions on what we can do to get into a house of our own? We really want to quit wasting $700/mo renting a way too small apartment when we could own a home of our own, we just have no idea how to go about it.

2007-12-26 06:14:37 · 15 answers · asked by carcar 3 in Renting & Real Estate

i was self-employed part of the year and and have moving expenses to claim....can i get my usual refund anticipation loan?

2007-12-26 06:13:37 · 2 answers · asked by Anonymous in United States

I am moving into my very first all on my own apartment! I just got the final call today and I'm nervous and scared and excited! Anyone have any stories or advice or anything to help me prepare or know what to expect?

2007-12-26 06:09:52 · 6 answers · asked by AshaLynn 2 in Renting & Real Estate

2007-12-26 06:09:48 · 1 answers · asked by mszczap2 1 in Credit

Right now I'm technically own my on but most decision I make have outside help. Now I'm moving state to state and it's all me by myself. How should I go sbout securing a job, place to live all the while trying to get into school?

2007-12-26 06:00:24 · 2 answers · asked by own my on 1 in Other - Careers & Employment

I want to start investing, but I want to start small first with about 100 dollars. Is sharebuilder.com a good way to do this? Anyone have any good experiences with them?

2007-12-26 05:59:05 · 5 answers · asked by fiestyligerwoahman 2 in Investing

I live in East Los Angeles, I've lived here my entire life so I'm used to the traffic and weather and everything. However, I've also lived in one house with my parents and sister for my entire life. I'm actually planning on moving out to North Los Angeles (namely Santa Clarita) but I was wondering how much it would cost to actually move out?

I'm looking into renting a one-bedroom apartment with two other people, I looked it up online and the rent prices range from $600-1300 a month. My parents say you would only need about $800 to move out, but I was surprised because I thought the total would be about several thousand.

So how much would it cost to move out into a one-bedroom apartment with two other people in North LA? I'm asking this as it counts for everything: gas prices, food, rent, bills, shopping, etc.

2007-12-26 05:49:39 · 11 answers · asked by Anonymous in Renting & Real Estate

The FairTax is a bill in congress that would eliminate all federal taxes and replace them all with a 23% national sales tax. A rebate is issued to everyone for the calculated amount of taxes spent on the basic necessities of life.

2007-12-26 05:45:49 · 9 answers · asked by Anonymous in United States

2007-12-26 05:45:28 · 1 answers · asked by sexy 2 1 in Other - Business & Finance

For example, I've heard you don't have to tell if it was once used as a meth lab...

2007-12-26 05:44:51 · 2 answers · asked by SloBoMo 5 in Renting & Real Estate

I have only one credit card. And for the past 2 months, I only used the credit card ONCE to buy plane tickets the second month I owned it and paid it off. I don't have to pay an annual fee, but I was wondering if they charge ANY money because I used it once. And I won't be using it much because I like using my debit card. So if I don't use it for a little while, will it be ok? No charges, no fees....right?

2007-12-26 05:41:43 · 4 answers · asked by =) 2 in Credit

i am totally honest and have no intention on defaulting on the loan. I can and will pay back the loan. I just need it fast and quick without a bunch of red tape. This will totally change my life. I will be able to pay off all current debt and expand my parttime business. I really need this. Please no scams....only legitimate offers.

2007-12-26 05:29:27 · 5 answers · asked by atomicdog 1 in Credit

I've been checking around for ages to track down a really cracking Internet business. There isn't anything out there that is making me water at the mouth. But they might be out there. I have money to invest, etc, so have you heard/know of anything?

2007-12-26 05:18:32 · 2 answers · asked by ipoian 5 in Other - Business & Finance

In the past year I went from a subcontractor to a full time employee with the company I currently work for. Is there a way to add my subcontractor wages to my full-time wages come tax time?

2007-12-26 05:17:42 · 3 answers · asked by yahookm28 1 in United States

and he suffered serious injuries, can he claim from their insurance?

2007-12-26 05:15:57 · 16 answers · asked by luckybug 3 in Insurance

I am almost 15 years old, and I want to get a job. My parents have given me permission and we are currently filling out the correct permission forms etc. however I am not quite sure where I can apply. I will do almost anything except babysitting (I'm not good with kids). Does anyone have some suggestions?

2007-12-26 05:11:07 · 9 answers · asked by Emilia 3 in Other - Careers & Employment

I am currently looking for a place to live with a roommate. I don't know the first thing i would need to get an apartment or house (for rent), what paperwork, money, information. Basically i need the 411 of getting my own place. Can you help me?

2007-12-26 05:09:12 · 5 answers · asked by Victoria G 1 in Renting & Real Estate

My pay schedule is going to change from weekly to bi-monthly. Im under the impression (and hopefully im wrong), that a higher percentage will be taken out because the check will be bigger, even though im still making the exact same amount yearly. Hope this isnt true because it would mean that my take home pay would be less now. Im looking for clarification from someone who knows about this.

2007-12-26 05:08:13 · 4 answers · asked by darko_d1 1 in United States

JUST WANNA MAKE SURE HE IS COVERD JUST IN CASE!

2007-12-26 05:06:04 · 8 answers · asked by bowman_stephanie@sbcglobal.net 1 in Insurance

i want to sell my house to my daughter and me. or have my daughter buy into the existing mortgage. is this possible

2007-12-26 05:04:33 · 14 answers · asked by Anonymous in Renting & Real Estate

I was curious, with the markets being up 5% in the last two weeks has everyone lightened up their stock positions. One of my rules of investing is to always lighten my positions as the market goes up, and to put money back in as the market goes down. In the last few days I have lightened my positions by about 25%. Now I may end up kicking myself if the market continues to go up another 10%, but I have learned from experience that I would be more upset if the market dropped back 5% and I hadn't taken any money off the table. So I'm curious as to how many others have lightened their positions, or are you letting everything ride?

2007-12-26 05:02:20 · 5 answers · asked by Mark S IV 3 in Investing

I was thinking just call up the news paper company and asking, is this the best way?

2007-12-26 04:58:51 · 2 answers · asked by Iris Anne C 1 in Other - Business & Finance

I have been married for only 4 months in 2007, (date August 31, 2007). My new husband did not earn over $1,000 for the year, and will not file. what filing status can I use as I want to take the education credit for myself and my daughter.

2007-12-26 04:54:11 · 10 answers · asked by memeA 1 in United States

I filed my taxes early last year, then the next day after I filed, I got another form in the mail for unemployment. So I amended my taxes and had to mail the forms in. I didn't do it, so I am wondering if I can still get the money when I file for this year? Would I need to send that paperwork in? It wouldn't be anything for State, but about $300 back for federal.

2007-12-26 04:50:23 · 5 answers · asked by Kelly B 2 in United States

I've been at a job for 3 months and will be moving out of state next week. I've only planned to give 1 week notice as I am a temp and the location will be closing within the next year. I work for a staffing company. I know I need to let my staffing co. know but I guess I should also say something to my supervisor at my actual place of work? Would you say something later today or early tomorrow? What would you do?

2007-12-26 04:44:13 · 7 answers · asked by veggurl21 4 in Administrative and Office Support

I have student loans to pay. Almost $1000 a month! The total amount I have to pay back is about $70,000.

When my mother passed away, she left me tons of money. That money I will be getting this year. (enough to pay off all of my student loans with).

I THOUGHT that an obvious person with that kind of money would pay off all his bills. But I am being told differently.

What I am being told is to invest the money, save the money, put it in a life savings account and keep it locked away. I am being told that I have a respectable job now and that I can pay the $70,000 off my self. I was told, Once you grow older, there will be a time in your life where I will need that kind of money. To open a shop or to invest in something or to purchase that house?

I want to start doing this 401 K thing and save money, but I can't with these l student loans on my shoulders. But I understand the sense of saving money.

What would you do if you were in my shoes? Pay off your debts? or Save it all?

2007-12-26 04:44:12 · 7 answers · asked by angryguy191 1 in Personal Finance

I have heard mentioned on financial radio shows "The 7 elements of financial planning". Does anyone know what these are?

2007-12-26 04:40:49 · 2 answers · asked by Greg S 5 in Other - Business & Finance

Hi, I have been renting this house for 4 years, Just discovered that this house has lea paint, and asbestos. Can a landlord legally rent under these conditions? If I bring it to their attention to they have to remove it? Can they leave hazardous conditions like these in a rental house?

2007-12-26 04:38:02 · 7 answers · asked by andosetsfire1 1 in Renting & Real Estate