Personal Finance - September 2006

I need to find extremely credible resources in personal finance specifically the debates of 'term vs. whole' insurance, 'time in the market vs. timing in the market' and 'lower gauranteed rates of return vs. riskier higher rates of returns' regarding investments (which is more worth it).

2006-09-28 07:46:38 · 1 answers · asked by drsadly 1

My niece is a spender and I want to give her a monetary gift that she can save when she reaches college. Is there a way I can deposit my gift to her to CD under her name?

2006-09-28 07:33:24 · 5 answers · asked by Anonymous

what if i signed a contract when i was underage?
When i was 16 i signed a mobile phone contract (stupidly) but the minimum age was 18, i put in a different date of bith and the contract was allowed.
After some time i ceased to pay the bill(woops) and now credit agencies contact me asking for repayment, so i contacted them and they told me that my parents are liable, i think there just saying that, and were really quite rude :-( i didnt know what i was commiting too at the time. Now they have sent the account for "futher action" what are they going to do? ahhh lol

thankyou guys if you can help :-)

charlie

2006-09-28 07:31:18 · 24 answers · asked by Charlie Worrall 1

When i was 16 i signed a mobile phone contract (stupidly) but the minimum age was 18, i put in a different date of bith and the contract was allowed.
After some time i ceased to pay the bill(woops) and now credit agencies contact me asking for repayment, i was wondering if the contract is null as i was under age?

thankyou guys if you can help :-)

charlie

2006-09-28 06:51:52 · 23 answers · asked by Charlie Worrall 1

2006-09-28 06:48:47 · 15 answers · asked by wjpdcp 2

I need to know if I should file bankruptcy. I have read online that IF you do not have ANY valuable assets, and limited pay, meaning NOTHING by law that a creditor can take from you that there is no need to file bankruptcy? Amount owed is all credit cards (about $15,000 maybe a little more) and also a home morgage that I would be happy to include. Is it better to just let them charge off the cards or to file bankruptcy? I have NO valuable assets at all and also get a SMALL amount of help from the state. I will answer any questions... I need TRUE advice on this PLEASE!

2006-09-28 06:43:25 · 7 answers · asked by BBHEY 2

And how you can manage?

For me I spend arround 60$.

2006-09-28 06:19:34 · 9 answers · asked by my_a7lamy 3

We live paycheck to paycheck with no debt but I'd like to find even more ways to stretch a dollar. Right now I clip coupons & shop at the double coupon store for those items, toiletries usually come from Walmart & buy clothes from consignment sales & yardsales. Any other good tips u might could share???

2006-09-28 06:08:59 · 9 answers · asked by Weeber 2

p.s. they only work 37.5 weeks if that makes a difference.

I've never been any good at figuring this stuff out... thanks!

2006-09-28 06:03:39 · 19 answers · asked by Wondering 4

2006-09-28 05:35:51 · 13 answers · asked by I-C-U 5

2006-09-28 05:20:56 · 8 answers · asked by Anonymous

2006-09-28 05:13:18 · 1 answers · asked by bizcax 1

why is it when people owe you money you always find something you really want

2006-09-28 04:07:23 · 6 answers · asked by langdale 1

2006-09-28 03:50:58 · 8 answers · asked by Liz C 1

The state of Alabama

2006-09-28 03:42:41 · 8 answers · asked by mailsister 1

2006-09-28 03:39:49 · 18 answers · asked by L J 1

hi im a full time mum but want to earn some extra cash i have tried to go to different web-sites but no good, can some one help me with thier brilliant ideas or wat else i can do from home.

2006-09-28 02:56:15 · 13 answers · asked by nicky k 1

2006-09-28 02:35:11 · 23 answers · asked by davidbilton2002 1

i recently made a deposit for a large sum and there is a 15 day hold can i close my account today this is a joint account with my husband and i and i dont want him to have access to the funds.

2006-09-28 02:15:08 · 7 answers · asked by taw06 2

Is it a good idea? I'm thinking of keeping one just in case of ER money.

2006-09-28 01:27:52 · 11 answers · asked by rgombina 2

2006-09-28 00:15:44 · 27 answers · asked by darren e 1

For the first time we made an electronic payment to the mortgage company using our online banking. Two weeks after the electronic payment was send we received a letter of delinquency stating we missed our payment. We contacted them directly and found out we had a typo in our account #. The mortgage company found our money in the wrong account, which they stated was closed (Why didn't the system reject our electronic payment?). They told us that they would fix the problem and that no harm was done.

Now a week later they called and said that their system cut a check to the person owning the closed account who cashed it immediately. The mortgage company is now holding us responsible for this error on their end and they want us to resend our payment. After some yelling they agreed to credit freeze our account until they retrieve the funds back, without posting our payment to our account.

Is it legal that the mortgage company holds us responsible for the payment they gave away?

2006-09-28 00:03:25 · 4 answers · asked by Avatar the last airbender 3

I live in a 2 bed flat with 2 children, and have had a bill for £370, I think that its worng what do you think

2006-09-27 22:04:55 · 18 answers · asked by damien_black4 3

Father passed away before he could legalize the will. It went through probate with daughters inheirt 50% of property. The relative who is 74 age believe the will is in forced which allows he to stay there until his demised. I tried to refinance but the title is cloudly. I needed an S.I. from each relative who are over the age of 65. They believe the house belongs to the brother and no need to give serious information to no body. I tried twice to refinance each title company said that they would need S.I's. This is very costly to me and sister. I would like to follow my father's wishes, but financially I can't. I want to sell the house split profit with sister and help my uncle find another place to stay. With this going on what can I aspect to happen legally if they purse this with an attonery?

2006-09-27 19:21:54 · 2 answers · asked by Wm.Dauhgter 1

I am looking for this user. If you find this please respond. I desperatly need to speak with you. You can e mail me at gemir69@yahoo.com.

2006-09-27 18:12:44 · 3 answers · asked by gemir69 2

how do i report these scoundrels or can i frward the emails to the proper officials.who would that be.please answer

2006-09-27 16:15:37 · 5 answers · asked by ERSKINE H 1

do you know how i can get a raise on my allowance.. fast???
thankies,
.~. Taco.~.

2006-09-27 14:27:00 · 10 answers · asked by taco 3

For instance, open certain kinds of accounts, or invest? but what kind? i want specifics. :)

2006-09-27 13:18:52 · 7 answers · asked by katiesmile03 1

i used an on-line service to get a loan. i was told that if i was not approved by the six lenders i would recieve my money back. all i had to do was follow the refund page and in thirty days my money would be refunded. i did that three times and it has almost been a year and still no money or a response to my over a hundred emails

2006-09-27 13:13:08 · 5 answers · asked by mythreeandme77@sbcglobal.net 1

Some people come on here asking for legitimate help. It is not appriciated when you get smartass copmments from people!! If you can't be of real help don't respond. People make mistakes all the time, nobody is perfect so keep your trash talking to yourselves. It takes a lot of guts to ask for help and people who are ******* make it even harder.

2006-09-27 13:01:34 · 13 answers · asked by gemir69 2