Business & Finance - 27 December 2007

I own a townhome in a college town. My daughter and her boyfriend are living there but there is a second bedroom we are trying to rent out. What should I be careful of in renting this space. I know I need a lease but are there other things people usually forget to to do?

2007-12-27 23:39:23 · 3 answers · asked by RANDALL M 3 in Renting & Real Estate

If you had a high school graduating class to advise about what's the field with the best opportunities, what would you say? Seems like we all have a "crystal ball" once we get old enough for a bit of perspective. Give it your best shot.

2007-12-27 23:36:09 · 16 answers · asked by auntb93 7 in Other - Careers & Employment

I joined a trail on my debit card and I looke at my balance and my account balance wasn't negative but my available balance was. I figured if my account balance wasnt negative and they didnt take out any fees yet and I plan on canceling the trail how can I be charged an overdraft. Well they charge me an overdraft for 35 bucks. Well I call them up and they said that they would fix the overdraft if its canceled. Well one payment before the overdraft that would go through created another overdraft just because of there first overdraft fee. When I asked to talk to a supervisor or another customer service guy that would be less rude he threatened me with an outermadem that he would reverse a credit that he already authorized. Is any of this legal? can they charge you an overdraft on an available balance thats still pending and not taken from your account balance? and how long can they keep charging you 8 dallors a day overdrsft for?

2007-12-27 23:33:51 · 3 answers · asked by Aintitthetruth 3 in Personal Finance

I am getting ready to make an offer on a home. I have 100% financing. I was told that the bank will not allow me to ask the seller to cover all of the closing costs. Is that true? Do I HAVE to pay a portion of the closing costs because I am financing 100%. Thanks in advance of your replies.

2007-12-27 23:11:59 · 7 answers · asked by Kenneth O 1 in Renting & Real Estate

I cannot decide which to do. I have been with my bank for over 13 yrs in good standing. I have only had a few instances in that time where I had insufficient funds to cover a transaction. I know they will not return a transaction unpaid to recipient up to $1500. because of my history. I have also NEVER made a 30 day late payment to my mortgage. Here's the problem-- we have undergone a pay change that will now result in a paycheck being received when our mortgage will be considered 34 days late. I have contacted the mortgage company 2x, and they will do NOTHING to help. I have about $1k of the roughly $1500 needed, but will definately be short by $400+ the day the payment will go 30 d. I assume the bank will pay out the difference to the mortgage company and hit me with NSF fees. Do I pay it, bounce it on my end and accept the fee, or do I just allow the 1 time late on the credit report? I will need to apply for a car soon, so credit matters, but bouncing terrifies me. Which is worse?

2007-12-27 22:49:42 · 5 answers · asked by Heather B 2 in Renting & Real Estate

its overhauling. Depreciation is written off 10% p.a. on reducing balance
method. On 30th April 2007, the truck was sold for Rs. 30,000 being unsuitable. Prepare the Truck Account from 2004 to 2007 assuming that Accounts are closed on 31st December every year.
Question 02:Cash book of Mr. Ali shows an overdrawn balance of Rs. 1,800 but this balance does not agree with the balance of bank statement. On checking following discrepancies were ascertained:
• Cheques amounting to Rs. 700 issued out of which only a cheque of Rs. 200 presented into bank.
• Cheques deposited but not credited by the bank Rs. 400
• Interest on overdrawn Rs.100
• Interest on Government securities collected and credited by the bank Rs. 300
Required: Prepare a Bank Reconciliation Statement

2007-12-27 21:56:19 · 2 answers · asked by Muskan K 1 in Other - Business & Finance

i am designer i want to learn it so plz tell me whats in on page seo & off page how to rank & get page rank? I hope you will help me in this matter.you can talk to me at rohit.7002@gmail.com

2007-12-27 21:28:18 · 20 answers · asked by Anonymous in Search Engine Optimization

I have a temporary financial problem where a few of my payments are two behind. I am fortunate that I can pay them at the end of January, but all the companies are being quite aggressive and despite making promises of payment they say they are putting defaults against me. What harm can they do and when I have paid, how long before they are cleaned. ie can I pass a mobile phone credit check when I have paid my arrears

2007-12-27 21:25:41 · 5 answers · asked by royal 2 in Credit

2007-12-27 21:23:47 · 1 answers · asked by j j 1 in Other - Business & Finance

I'm self-employed and have never really known what's the best way of numbering invoices. I've come up with my own system whereby I number them with the date, preceeded by the client's initials, for example MB211207. It seems to work as I can always find what invoices I issued in any given month, but I wondered if there is a more efficient or beneficial way of doing it. Any business people have any advice?

2007-12-27 21:12:03 · 2 answers · asked by SLF 6 in Small Business

I don't understand why people donate to get credit on their taxes. Wouldn't it make more sense to say save that $250-1k and use that on paying taxes as apposed to giving it away for a tax break? What are the benefits of such a contribution. I've never had to pay into my taxes, but if I can find a way to get more back, ie. donations or maxing out my IRA I'll do that. I want to stiff the IRS for everything they've been taking from me, any idea's, (lets keep this gray and semi-legal)

2007-12-27 21:01:52 · 5 answers · asked by pepinousmc 2 in United States

Most importantly... should I even stick with college if I am making close to 7 figures a year? And if you want to know I simply got rich of the internet like countless other individuals.

2007-12-27 20:33:57 · 12 answers · asked by Jeremy J 3 in Personal Finance

Hi there,
I need some help with a DT (Design Technology) assignment. Weve been asked to come up with a range of printed T-shirt ideas for target markets....but who would use them? So far i have Football (soccer) teams, Stag/hen parties, high street shopsfor promo's.......all ideas greatly recieved!!! thanks

2007-12-27 20:21:07 · 12 answers · asked by Mitch_Gough_UK 1 in Other - Advertising & Marketing

2007-12-27 20:05:43 · 2 answers · asked by caltrans2002 1 in United States

2007-12-27 19:38:38 · 3 answers · asked by Anonymous in Small Business

Hello, I've been doing contracting work since late January and only have just realized that I should have been paying taxes quarterly. I've saved money and have every intention of paying the taxes for them and realize now that I will be penalized. In general, what will I have to pay (interest, penalties)?

2007-12-27 18:44:52 · 3 answers · asked by Anonymous in United States

I don't know how and where to start with. Cud anyone please give me the prerequisities and steps in investing in stocks.
Can i be able to work on stocks all by sitting just in front of my computer with a internet conenction.??

2007-12-27 18:44:08 · 5 answers · asked by aravind_mib 2 in Investing

I'm 18 years old and I was doing a little bit of research and looking at a Roth IRA and a Traditional IRA. Which one would be better for me and how much should I put in to start off and how much do you recommend me to continue adding? I have about 10,000 in the bank right now if that helps. Any thoughts would be appreciated, thanks!

2007-12-27 18:37:51 · 6 answers · asked by Anonymous in Investing

How many big items they usually carry in store?

2007-12-27 18:24:34 · 7 answers · asked by Anonymous in Investing

I'm looking to learn as much about options trading as possible. Are there any free sites that will allow me to trade using "play" money or so to get the 'knack' of what goes on? thanks.

2007-12-27 17:57:58 · 0 answers · asked by Dean Mo 2 in Investing

I've already paid the maximum at one job, and am starting the 2nd job.

2007-12-27 17:57:46 · 3 answers · asked by gold 3 in United States

I will be a graduate nursing in May of 2008 and will be interviewing for RN positions soon. I am interviewing in hospitals and smaller offices. Should I wear a suit or just dress nicely? By dress nicely, I mean a nice pair of slacks or a skirt and a button-up collared shirt. I know the rule of thumb is to dress one step higher than what you would wear on the job, but I will be wearing scrubs so one step up is jeans to me. I'd never wear jeans to an interview! I think a suit may be too dressy, but I want to separate myself from the other people interviewing. Is it ever wrong to wear a suit? Thanks! :)

2007-12-27 17:37:16 · 9 answers · asked by Daisy 4 in Health Care

Need websites related to nsurance and technology articles

2007-12-27 17:31:32 · 4 answers · asked by vkpzoo 1 in Insurance

2007-12-27 17:29:48 · 1 answers · asked by Janice A 1 in Other - Careers & Employment

Alllright.
So, I was talking with my mom and I've decided I want to work for the Disney company.
I know is there is a very large office(somewhere?)and that is the Disney Corporation. I want to work there.
I really need some help as to what colleges I should be looking at. And what my profession would actually be called.

I don't mean to sound like I have no idea as to what I want to do, I just really don't know how to classify it.
So, if anyone has any suggestions..?
IM me if you need to.

.

2007-12-27 17:26:51 · 2 answers · asked by snicketdoodle 2 in Other - Business & Finance

hello everyone

here r two professions that i love alot
but i wish to know which profession is currently better.

1....computer engineering

2...graphic designer (the one who creates animation and creates graphics for video games or animated movies).





thanks alot

2007-12-27 17:25:20 · 15 answers · asked by saad ahmed 2 in Technology

If I made a capital gain in late December 2007, can I not claim it in 2007 and use it in 2008, or am I required to add it to my 2007 income?

2007-12-27 17:16:34 · 4 answers · asked by mattyk072679 1 in United States

2007-12-27 17:11:52 · 1 answers · asked by Mo Reily 1 in Small Business

I am currently starting my education in the psych field. First my BA but how much more for a Masters? What can a mastrs do for me? Is being a Psychologist or psychiatrist worth it? Also I might be interested in becoming a RN. Is this better since less school and good pay? Any suggestions from experience? Please. and Thanks you!

2007-12-27 17:11:40 · 8 answers · asked by Ry 1 in Health Care

I found many sites with same advertisement. It said that we can earn money via internet. We need to pay about $30 - $60 to become as member. Is it true? Or it is just a scam and we only have to ignore it?

2007-12-27 17:10:29 · 10 answers · asked by myrajenn007 3 in Small Business