Personal Finance - December 2006

I have two credit cards (one is mine the other my wife). They are both 0% until july next year. I haven't charged anything on them for the past year. I also plan to shop around for the same teaser rate when July comes around (transfer balance) I also have a loan with 1 year same as cash. the balance is very low and will be paid in April. No finance charges. My home has a market value 185,000. the balance is 155,000.

2006-12-08 07:54:44 · 5 answers · asked by Anonymous

2006-12-08 07:54:36 · 17 answers · asked by lucy p 2

I had fallen behind on CC bills and had lots of problems in college. Still playing catch up so I tried getting a consolidation loan and got denied. . . How long does it take for my credit to improve once I get on top of all my bills?

2006-12-08 07:41:19 · 5 answers · asked by Coleen429 2

2006-12-08 07:38:39 · 3 answers · asked by aleiah126 1

I met some men between the ages of 27 - 32 still living at home & receiving an allowance from their parents. I ran into them at a bar, they were very good looking men, seemed educated, and have decent jobs, yet were boasting about their allowance. When I asked them about their living arrangements, they saw nothing wrong with it & kept saying "would you turn away free money"?

I don't know what to make of this!

2006-12-08 07:08:15 · 23 answers · asked by Anonymous

I am trying to save money, I don't feel like I spend alot of money but always feel like I am living paycheck to pay check. any suggestions?!

2006-12-08 06:48:40 · 7 answers · asked by rusty49178 1

Okay, we have three young kids! How low should it go? Is 65 too low? Lower? Higher? What is your thermostat set at? Energy prices are rising!

2006-12-08 06:15:31 · 9 answers · asked by Anonymous

I need to e-mail it to my lawyer, but I don't have a scanner. Is there a way to get this online?

2006-12-08 06:12:53 · 8 answers · asked by porkchop 1

I always hear people saying that diversifying your investments. I would like to know what exactly it means. I checked many places like wikipedia or the capital asset pricing model. None of them states clearly what exactly diversifying means in real practice.

2006-12-08 06:10:09 · 6 answers · asked by calmarnet 1

I'm in the United States, and have a stock certificate that I want to transfer to my church. Is there anything I have to do other than fill in the transfer information on the back of the certificate?

2006-12-08 05:57:12 · 2 answers · asked by Brad S 1

2006-12-08 05:51:53 · 4 answers · asked by Justanian 1

2006-12-08 05:24:10 · 4 answers · asked by ? 2

We would like to start up some type of investment for our baby for him when he's 18 (ideally to use for college)--what is the best investment to make? What if he decided not to go to college (would we lose the $ if the account was college specific)? We wouldn't be able to contribute much money at first.

2006-12-08 05:19:10 · 6 answers · asked by sam & jack 2

Do I have to pay maintenance to my ex partner

2006-12-08 05:10:15 · 4 answers · asked by Anonymous

ill pay you the million back i promise

2006-12-08 05:08:04 · 10 answers · asked by abutterfly2k2 2

WHY ARE FIRST DIRECT ADVERTISING FREE BANKING WHEN IN FEBRUARY THE BANK WILL CHARGE £10 PER MONTH IF AN ACCOUNT IS BELOW £1500??? IT TAKES AWAY THE DONATIONS TO CHARITIES AS CUSTOMERS WHO STAY WILL CANCEL TO COMPENSATE THE CHARGE!!
IS FIRST DIRECT SO INCOMPETENT THAT THEY ARE UNABLE TO MAKE SAVINGS TO REDUCE THE SO CALLED COSTS..AFTER ALL THEY USE OUR MONEY TO MAKE PROFITS!!!

2006-12-08 05:04:41 · 4 answers · asked by Anonymous

2006-12-08 04:33:58 · 7 answers · asked by Viv0402 1

2006-12-08 04:17:58 · 4 answers · asked by 1indoubt 1

EdFund called me and told me they might garnish wages or whatever BUT I make only $20,000 a year and I just cant afford $300 payments right now.

2006-12-08 04:14:54 · 5 answers · asked by kani9922 2

Let me explain. The buyer has offered to put funds straight into an account rather than send me a cheque. I've never done this before. It sounds sensible. Is it ok to do this - give out account number etc. Please advise urgently. (sensible answers only pls)

2006-12-08 04:13:48 · 23 answers · asked by Caroline 5

My husband wrote me a check that I deposited, via the ATM at my credit union on Nov 18. That check then cleared his account on Nov 24 - which makes sense because it would take a little time for someone to take the deposits from the ATM, process them and then route the Check21 info to my husband's bank to debit from his account. But he also wrote me a check that I deposited at the same ATM on Nov 20 and while again the credit was immediate on my account (which it should be) his account has never been debited for that check - it is now Dec 8! So the first check took 5 business days to clear but it's been 14 business days and still the debit has not appeared on my husband's account. It's like they lost the check or something? Is there a maximum time limit that the banks must process the check/debit my husband's account?

2006-12-08 04:10:22 · 4 answers · asked by sksnumber1 1

2006-12-08 03:56:37 · 10 answers · asked by Duke P 2

2006-12-08 03:32:21 · 5 answers · asked by Anthony M 1

I find that one of the most difficult things to do is budgeting income allocation on expenses. I make a decent living but find that I pay my bills and have nothing left over to take care of unexpected expenses. Are there any suggestions on how to budget appropriately and prioritize expenses?

2006-12-08 03:31:29 · 4 answers · asked by Anonymous

2006-12-08 03:18:02 · 9 answers · asked by Tiffany 1

Hi all here is some background. After writing a covered call on a stock I recieved a premium, that shows on my history immediately .After it expired worthless, they removed the option. Makes sense! Soon after (7 days) I recieved a "rebate", and according to Ameritrades definition it is"In an options transaction, the amount paid to the holder of the option if the option expires worthless" Im not sure, but do I get paid twice. Please explain, my account fluctautes $100's sometimes $1000's so it is hard for me to keep track. especially with the liability of writing a call going against your account, and screwing with the balance!

2006-12-08 03:11:50 · 1 answers · asked by Anonymous

2006-12-08 02:15:35 · 15 answers · asked by Tony C 1

Is it better to save early? I am making min. wage (7.50) an hour and working around 16 hours a week, with more hours in the summer. What should I do?

2006-12-08 02:05:46 · 12 answers · asked by Anonymous

I currently bank with a bank that isn't very good (5/3rd) I had money stolen from my account and they were very willing to help me in getting the funds back. I also work for them. I am looking for a new bank, but I don't know what is a good bank to use. Especially in the cincinnati area, which I will be moving to the south bend area in 5 months. Any suggestions?

2006-12-08 01:41:22 · 5 answers · asked by whistlebritches_17 1

2006-12-08 01:29:49 · 5 answers · asked by Anonymous