Personal Finance - November 2006

2006-11-03 11:58:48 · 4 answers · asked by Heather L 1

Hello Thanks for stopping by, I am trying to determine the percentage of time I will have a positive return on my investment. Here are the details.

25% chance that I will lose (12,435)
50% chance I will make only 3,463
25% chance I will make 19,360

What percentage of time will I make a positive return on my money, means more than 0 dollars... Any advice would be much appreciated

2006-11-03 11:19:02 · 2 answers · asked by Financial Guru 1

I'm trying to make a list of the top causes of attrition from banks and credit card companies

2006-11-03 11:05:28 · 8 answers · asked by tr 1

2006-11-03 10:49:25 · 3 answers · asked by amin 1

2006-11-03 10:31:44 · 1 answers · asked by franknpaola 2

Cheap. I want some really stingy money saving tips!

2006-11-03 10:18:36 · 6 answers · asked by Myra 4

Which way is more cost effective for a mortgage payment: paying semi-monthly (400 fee to enroll) or making a extra payment of $500 /month towards the principal: i.e: 30 year fixed at 6% and paying $1500/month. Should I enroll on the semi monthly program or pay $2,000/month (1,500 + 500 towards principal every month)?
Thanks to all

2006-11-03 09:39:49 · 5 answers · asked by Cid2006 2

I wrote to all our creditors recently to offer a full and final settlement figure for our debts. Most turned the offers down, but one accepted and one offered to consider us for a partial settlement. I would like to clear some of these debts, but I don't really understand the difference between the two options and I'm worried about the implications for our credit in the future. Should I just ignore the partial settlement offer or is it worth considering?

2006-11-03 09:13:27 · 6 answers · asked by Fifi L'amour 6

i paid cash in today at my hsbc account at 3:35pm, it was to cover a cheque that had come out today that i did not want to be returned, but they have still returned it. can they do this and is there anything i can do to reverse this process. thank you

2006-11-03 08:58:33 · 7 answers · asked by allyfielduk 1

My husband just lost his job and we have three kids, I am afraid things are going to get worse before they get better. We were just starting to get out of debt. Is the companies that can help us now?

2006-11-03 08:20:12 · 8 answers · asked by ab3mom 2

have gone 12p overdrawn because of the bank taking the overdraft debit interest (for being overdrawn).

I was told by an English person that I will be ok, I called again to confirm this as they should all be singing from the same hymn book, and and INDIAN person tells me that I will be charged!

I am angry becase they cant speak clear English so what do they know about my money !

Who else is pissed off with these foreign call centre?

2006-11-03 08:19:55 · 8 answers · asked by Rebz 5

2006-11-03 08:19:30 · 6 answers · asked by buzzbay99 1

2006-11-03 07:52:20 · 3 answers · asked by misskara05 1

Im only 22 yrs old....i have about 3 creditors after me for money that i owe. To me it seems like alot. Im a single mother and i have alot of other bills. I do plan on paying them....sometimes it just gets really hard.

2006-11-03 07:11:36 · 8 answers · asked by Jackeeeee 3

We all know you're *supposed* to have that Emergency Fund saved up and stashed away. And better to have more liquid funds, than less. But how do you calculate 3 months' "living expenses"?

1. The amount of your gross salary salary for 3 months
2. The amount of your net salary for 3 months, because if you lost your job you wouldn't be paying taxes and some other deductions
3. The amount of your usual budget for 3 months, minus amounts normally put in savings/investments accounts, and amounts spent on non-essentials such as clothing, vacations, etc.
4. The amount of your usual budget, minus the taxes, minus the transportation costs (because you're not driving to work) but plus the full cost of health insurance because it wouldn't be partially subsidized by your employer
5. Other ....

Can you see why I find this confusing and never feel like I have "enough"?

2006-11-03 06:48:30 · 9 answers · asked by Anonymous

2006-11-03 04:07:21 · 4 answers · asked by wittypretty_and 2

I already have a loan from prosper. I got it when I got too many payday loans. Now I'm running into the same problem and need a loan.

2006-11-03 03:52:14 · 6 answers · asked by Anonymous

1. Pay off high-interest debt.
2. Build an emergency fund.
3. Add to your retirement savings.
4. Contribute to a flexible-spending account.
5. Add the extra money to your mortgage payments.
6. Use the money to beef up your kids' college fund.

2006-11-03 03:45:01 · 6 answers · asked by Anonymous

I have liquidated mutual funds within my IRA (not a Roth) to cash and want to transfer to my 401K to consolidate does this make sense ?

2006-11-03 02:40:16 · 3 answers · asked by maureen631 2

2006-11-03 02:07:32 · 8 answers · asked by teddy bear 1

2006-11-03 02:03:47 · 22 answers · asked by charleston chew 2

2006-11-03 01:58:08 · 10 answers · asked by liz s 1

2006-11-03 01:57:06 · 5 answers · asked by lilred92z71 1

What is the difference then having one in the US?
What are some positive reasons?
Negative reasons?

2006-11-03 01:28:49 · 4 answers · asked by TroubleRose 6

2006-11-03 01:12:22 · 6 answers · asked by Anonymous

2006-11-03 01:07:34 · 10 answers · asked by C'mon 2

with good reason. They are theives also. Can anyone give me an intellectual answer, and not that old its your own fault stuff, you never should have got into it in the first place. Please HELP!!!!!!!!!!

2006-11-03 00:51:39 · 11 answers · asked by ron p 2

2006-11-03 00:38:49 · 9 answers · asked by monica m 1

2006-11-02 23:59:52 · 8 answers · asked by Clare B 3

the "borrower" gets his money right away, either as a credit line or monthly payments ...

does the bank wait for the borrower's death to cash in (with the sale of the house) or does the bank get its money some other way ...

2006-11-02 19:42:47 · 4 answers · asked by Anonymous