Personal Finance - October 2006

I'm 20 and trying to pay credit card debt, phone bill, get an apartment and a car but i dont think i can do that with the kind of money i'm making (8hr. + comm.). I live in FL where rent and insurance is high. How do you manage to make do every month and any suggestions are welcomed.

2006-10-12 08:31:10 · 8 answers · asked by jaye 2

Can you tell me how a college 529 savings plan works? Where can i open one? And if i start saving the day I have a child and put 100 a month into the account what will I have by the time they turn 18? Thanks

2006-10-12 08:13:03 · 2 answers · asked by Jason K 1

I need financial help. I prepared for one thing and it has been a snowball effect. First child support stops, then sick child, medical expenses, over 200 in medication, private school, windshield cracked from one side to another. I have raised my credit record from 505 to 585 in only a year of being divorced. I can't see all that work go to pot. How am I going to fix my windshield? how am I going to go to mayo for my son at the end of the month? Do you know any organizations to help? I am nonstate aid and the last thing done by child support recovery was Sept. 9 and that was only a try to locate. I gave them a number and an address!! My son fell ill when public school was constantly feeding him stuff he could not have. He's allergies where on the prescreening. I also sent all his food. That is why he is in private (which is going great!!!) now. THat meant new supplies, uniforms and tuition. Can anyone help?

2006-10-12 08:03:57 · 5 answers · asked by jagaja131 2

I need to make atleast $300 dollars by the end of the work day tomarrow on 10/13/06

2006-10-12 07:37:20 · 3 answers · asked by Britney W 1

I receive 30 to 40 emails a day from a unidentified mortgage company and their message does not have an area to click to unsubscribe. I do not want to keep receiving these emails. Also, when I read their email there are weird words at the bottom that don't make any sense.

2006-10-12 07:32:08 · 3 answers · asked by Ter 1

How should I start?

2006-10-12 07:18:11 · 2 answers · asked by Anonymous

I have not register my pattent yet

2006-10-12 06:52:01 · 2 answers · asked by Anonymous

2006-10-12 06:25:27 · 3 answers · asked by sagittariusgirl19 2

does anyone know of any places that give quick cash advances even if you have a cash advance already or a personal loan?? please only real answers!

2006-10-12 06:25:15 · 10 answers · asked by ohioian 2

Because me and my gf have been trying to save up money for the future. I know banks provide less than 1%apy. Some money market accounts offer over 5% APY. This is a much better rate. What is the difference and what are your feelings towards the two accounts?

2006-10-12 06:14:36 · 4 answers · asked by Jason K 1

It is completely beyond me how people are able to do anything. I've worked my whole life and despite a flakely, short-term approach to careers, I've always made a decent salary. I just finished my 2nd degree and a new job. I make $1700/month and just can't seem to get things straightened out. I wait for paychecks and upon receiving them, I pay everything possible, leaving myself with $50 for two-weeks and repeat the same thing later. I always swear that I'll skip a bill, but it never seems to work that way. Is it because I've been single and dependent on a single salary most of my life? Is it because 30k/yr just isn't a decent salary? Is there some trick that I can employ to improve my credit such as getting 0%apr/12 month credit cards to eliminate debts or auto-pay and then just keep up with the credit cards?

2006-10-12 06:13:51 · 8 answers · asked by chemicalburn2003 2

My grandma was an authorized user, but not a co-applicant.

2006-10-12 06:01:35 · 15 answers · asked by Ethan 2

2006-10-12 05:49:53 · 2 answers · asked by Anonymous

im only 22 years old, im not in bad debt, but enough to keep my digging for money...i guess im about $4,000 in, some of you may say thats nothing to worry about, but i cant afford to pay $300 a month on each to lower it...back last year i enrolled with a bill consolidation company, at the time i thought i found the answer! but to my dismay they screwed me over more than anything, i was paying them about $290 a month to make my payments for me, then all of a sudden i was getting calls from creditors saying my payments were over 2 months late and never on time which i was paying late charges instead of the intial payments. Recently i thought about inrolling with another, trying to find one that was possibly approved by the government or state. My question is how can i compromise with the creditors myself, instead of putting my money on the line? Do they have like "hardship" departments? please help!

2006-10-12 05:39:07 · 8 answers · asked by sassy2sloppy 2

2006-10-12 05:38:43 · 4 answers · asked by Anonymous

the routing/acct numbers are the same.

2006-10-12 04:58:27 · 20 answers · asked by promys2u2 2

2006-10-12 04:48:56 · 2 answers · asked by bushy 1

First of all let me start with the fact that we do not have children, just yet. We are working on having kids and currently we both work full-time office jobs. We finally realized the other day that we want me (the wife) to start to stay at home. There are many reasons behind this but I won't go into it now.

I will be working on getting my cake business up and running so that I may provide a second income. We really want this to happen soon because we know that we have been pushing it off for too long. So I am asking for suggestions or tips from others who have experienced this before.

To give you a glimpse of our financial situation: My husband’s finances will cover our bills (if we sell one of our cars) with $50 to spare at the end of the month. In the bills I'm including groceries, gas, etc.

I do plan on working a couple temp jobs, like 5-10 /month to bring in extra cash until the cake business really picks up.

I would really appreciate to hear from everyone! :o)

2006-10-12 04:36:09 · 15 answers · asked by Julie 3

We recently sold our home and moved to a city with a lower cost of living. After paying off all debt, excluding mortgage, we'll have $75k to reinvest. I want to purchase a duplex and keep some cash available for emergencies. My husband does not want the headache of being a landlord, but I feel that real estate is our best investment (it was my convincing him to buy our last home that netted us $174k...Men!) I'm presently not working, but will probably start a job around the first of the year, and my income will be "gravy."

Presently, the money is in a savings acct. earning 5.05% Any suggestions? Neither of us has a retirement plan per se, and don't want to rely on social security in the future.

2006-10-12 04:18:36 · 5 answers · asked by Le_Roche 6

limits in a car on a plane and on foot?

2006-10-12 02:57:55 · 9 answers · asked by Pablo B 2

What is the best non-deposit banking product that offers high interest rates and profits? Is it unit trust, time deposit, bonds, etc?

2006-10-12 02:47:27 · 3 answers · asked by AskMeNot 2

down they can't cancel the service or sue you?

2006-10-12 02:38:56 · 8 answers · asked by dryingdummy 1

credit score of 692, about 5% equity in townhome.

2006-10-12 02:32:51 · 5 answers · asked by Anonymous

2006-10-12 02:27:44 · 9 answers · asked by Dave 1

I had a 1500 bill with a financial co. I missed 2 payments and they took me to court, they did not appear at the scheduled date. I missed a day of work to appear.

2006-10-12 01:26:24 · 4 answers · asked by Anonymous

The payee I have written it to has cashed it and their bank has sent it back to my bank as the process goes. What does my bank then do with it? Where is the actual cheque stored and how long for??

2006-10-12 01:12:06 · 11 answers · asked by Gaelan M 2

I am with HSBC in the UK n trying to purchase something online. It says a bank routing numbers is needed. what is this number?

2006-10-12 01:06:31 · 16 answers · asked by JC 1

I am an ex student and apart form my student loan i also have lots of debt. I have 3 overdrafts which I owe 1,400 1,250 and 1,500 on as well as two credit cards 800 and 400 pounds.

the only good thing is that they all interest free. the overdrafts decrease by 500 a year and i just keep switch my credit balances.

I have only just got a job earning 20,000 pa. what is the best way to pay of my debt?

2006-10-12 00:53:20 · 19 answers · asked by Bubbles 2

Can a person who hold the Power of Attorney be held responsible for bills not paid? For example, if you are named the Power of Attorney for a friend so you go about your duties of trying to for the person's bills,etc. while the other person is unable. Then, if let's say, there are really large hospital bills the other person has outstanding, can the hospital then go after your own personal finances you to pay the hospital bills since you hold the power of attorney? Or is that a not "allowed to do" on the hospital's part?

Thanks.

2006-10-12 00:45:14 · 4 answers · asked by QueAndAy 1

A democratic Dictator, The laws that strangle your ability to prosper, are forced on us by Brussels, because we never got a vote on Europe, it means top political leaders are all dictaters that refused a vote so to counteract we need a democratic dictator to de regulate and make our own rules to set us free.

2006-10-11 23:56:14 · 3 answers · asked by trucker 5