Personal Finance - January 2007

I just got my checking and savings account opened in November, but I'm moving out of town this weekend. I don't want to close my accounts b/c I still will go to college here in this town and i'll be using my debit card alot here for gas and also the bank charges an early closing fee on accounts. Should I transfer to a more local bank or keep this one? Also, is it necessary for me to reorder new checks? I still have almost 2 boxes of checks left b/c i never use my checks. Will the bank make me reorder new ones? plus, do i just go into the bank and tell them i'm moving and tell them my new address? Thanks for any help.

2007-01-24 11:46:26 · 2 answers · asked by nicole r 2

my girlfriend wants to file but most of the bills are in both names and she can't find him. can she still file chapter 7 on just her own bills or can she file on all of them without him? thanks..

2007-01-24 11:06:44 · 2 answers · asked by Anonymous

I have a VISA gift card with a few remaining dollars on it. Can anyone give me some suggestions on how to use it? I tried gas stations and convenience stores, but the card gets declined. Or do you think I should just bag the idea?

2007-01-24 11:02:27 · 3 answers · asked by DK 1

can anyone give me info on clearing debts how do you negotiate for lesser and do they listen i've heard they sometimes settle for lesser but later come back for the original and can you use your credit card to take care of it .what receipt would you have right then that you actually paid them i just want to know all the tactics they use ,so that i can educate myself WHAT PERCENTAGE DO THEY usually settle for in most cases I WANT TO KNOW AND LEARN ALL I CAN BEFORE I START NEGOTIATING ESPECIALLY WHEN YOU USE YOUR CREDIT CARD I'VE HEARD THAT THEY ARE VERY SLICK

2007-01-24 10:32:11 · 7 answers · asked by flipper 2

i need to file bankruptcy i have like 45000 in debt, and i'm a single dad on low income, im expected to get back almost 3000, i only made like 11000 for the year

should i file my taxes before or after i file for bankruptcy.
i plan on using it for lawyer fees if i can. and for my son

2007-01-24 09:52:32 · 7 answers · asked by Anonymous

specifically annual percentage yeild.... how is it different?

2007-01-24 09:34:15 · 3 answers · asked by Anonymous

My mother did not plan her future very well but I can't let my mother
wither away and die. She is living on my brother's military allotment and she has money in a joint account with me. She only get money from the joint account when she really need it.
I am willing to accept her as my dependant.
My mother is not disabled and does not have any current health problems. My brother do not want to have anything to do with her.

2007-01-24 08:35:39 · 23 answers · asked by Big P 5

2007-01-24 08:33:19 · 10 answers · asked by Anonymous

I just apply for a bank of america savings account? I would like to get more information about what kind of savings account is good for me?
What is the best savings account bank out there? Regarding high interest rates, no fees, etc..


Thanks

2007-01-24 08:32:15 · 3 answers · asked by ticosport9 1

I purchased a home in April of 2006 with two 30 year fixed 80/20 loans. How can I lower my total monthly payment to a more managable amount?

2007-01-24 07:37:31 · 4 answers · asked by That Guy 2

2007-01-24 07:31:05 · 9 answers · asked by cece 1

List the double entry postings for each of the following transactions (you are only required to list the debit and the credit and do not have to open the “t” accounts).

1.Sold goods for €12,100 cash.
2.Purchased goods for €10,100 cash.
3.Paid wages of €4,100 by cheque.
4.Received cash of €1,400 in advertising income.
5.Bought a fixed asset for €12,000 and paid by cheque.
6.Sold goods on credit for €5,100.
7.Bought goods on credit for €3,200.
8.The owner invested a further €5,000 in the business by lodging a cheque for this amount in the company bank account.
9.€600 in depreciation is to be charged on machinery.
10.A bad debt of €100 is to be written off.
11.The bad debt provision is to be increased by €300.
12.The owner withdrew €500 from the business bank account for his personal use.
13.Received €1,200 from A Wright, a trade receivable.
14.Paid €520 to B Wrong, a trade payable.

2007-01-24 07:17:17 · 3 answers · asked by Anonymous

Here are the rates on my credit unions site. I just don't understand what they mean.
3-month certificate 4.35%
6-month certificate 5.05%
12-month certificate 5.20%
24-month certificate 5.25%
36-month certificate 5.35%
60-month certificate 5.45%

I would like to put in about 5000 dollars but am not sure what kinda return I get.

2007-01-24 07:09:25 · 4 answers · asked by John Z 1

I always pull out at least $100 from the ATM every time.

I have friends who never use cash for anything. It seems like they are using Credit Cards for everything. I suspect when there is a terrorist attack we will need that cash because Credit Cards will be worthless. Remember the NYC power failure a few years ago, no one had money and they suffered because businesses would not accept Credit or Debit Cards.

2007-01-24 07:03:41 · 14 answers · asked by the answer is 2

2007-01-24 06:58:48 · 5 answers · asked by ahottmess 4

I have a loan agianst my 401K. I am having financial difficulties and would like to know if I could pay the penalties on what I owe, and not have to repay the balance of the loan.

2007-01-24 06:42:19 · 3 answers · asked by EH 1

I am over $20,000 in debt from two years of college, and now I have a job in the industry I went into college for. The problem is I only make 20,000 a year in my job (which i really like), and have other bills, rent, car payments, insurance, groceries etc like everyone else. Does anyone have any tips on how to pay my loan off faster? I make my monthly payments, but the way I am paying them off now it will take me over 6 years to pay. I cant afford higher payments. My job is full-time and I cant handle any more work. Does anyone have any tips or advice from their own experiences?

2007-01-24 06:27:29 · 7 answers · asked by Anonymous

i am moving to canada and have 10,000 savings.This can either pay off my existing debts or are there ways around settling debts before going?If i use this money to settle debts,i will be landing in another country to start a new life with little money.I am going through immigration lawers and will have a job to start as soon as i land.

thanks

2007-01-24 06:10:27 · 10 answers · asked by lillyflower 2

2007-01-24 06:08:18 · 5 answers · asked by klownzzer909 1

How much will I get back. Im claiming head of household. I have 3 children and my total income was $26,828.17. I have paid $19,000 of interest on my house and total taxes on car and home are $1,336. My total federal tax withhold is $466.82. I have paid $5000 in daycare. NO other income.

2007-01-24 06:05:43 · 2 answers · asked by maggie 1

2007-01-24 05:56:16 · 17 answers · asked by Tony 1

does anyone have any suggetions investments etc

2007-01-24 05:36:12 · 3 answers · asked by KitaL 1

If we were allowed to keep the intrest,without being taxed,on simple savings accounts,wouldn't more people be incline to save.Also the banks would have more money to lend for mortgages.I don't know how much the government would lose in revenue,but it might not be that much.I think it's a win-win situation

2007-01-24 05:16:57 · 3 answers · asked by Anonymous

I would like to open an account in a bank in USA online but I am not living in USA, please help, is there any bank who does not ask for the security no.
Thanks

2007-01-24 04:59:22 · 2 answers · asked by Anonymous

2007-01-24 04:59:05 · 5 answers · asked by NYEVE43 2

2007-01-24 04:51:22 · 10 answers · asked by Anonymous

2007-01-24 04:43:14 · 3 answers · asked by tabby 1

.....and can I have characters 3 and 5 of your password?

2007-01-24 04:39:18 · 15 answers · asked by Ecko 4

let's say I worked at GB with 50k GBP salary, and GBP/USD is 1.50. After 3 years, my salary increased to 70k, and GBP/USD jumps to 2.00. Does that mean that my purchasing power has gone up not just 20k, but it has gone up to about 100k. And this means, I can import a shitload of goods from the US with a decent salary?

2007-01-24 04:38:33 · 1 answers · asked by lucstudent 3

I'm trying to pay off all my credit cards and seem to be having trouble with how to figure out the finance charges to add to my payment.
O.K., it's like this, if the credit card company sends me a bill for a minumn payment of $100.00, I know that through intrest and finance charges, about $1.00 will go to principle and $99.00 to the credit card company (not true, but you get my point). I have been sending more then the mimuna payment, but I'm not seeing any results, and what I mean by sending more then the minimun, I'm sending $50 to $100 more. How can I fugure out how much more to send with all the charges added to see some results in my payments?

Thank you for the help yahoo friends

2007-01-24 04:31:27 · 6 answers · asked by Allen P 2