Personal Finance - January 2007

If you could, give me some details of why.

I also am wondering if I should join my parents' bank instead... (Bank of America)

2007-01-18 14:49:38 · 5 answers · asked by dspringfield14 1

With a bankruptcy 2 yeas ago and restablished credit card history, with no outstanding balances, steady long term work history and a substantial downpayment, does a person have a good chance at a decent mortgage interest rate? Oh, current mortgage was never in default and always current. Thanks.

2007-01-18 12:56:40 · 3 answers · asked by angrycelt 3

2007-01-18 12:24:08 · 13 answers · asked by Anonymous

Im moving out soon and looking for an aprtment. Im trying to calculate out the payments per month and per yaer so i know what i am looking at for money. I know it isnt going to be pretty but here is some of the things ive came up with.



Monthly Expenses

0-50 non food groceries (not every month)
50-75 for gas
0-200 for food (food stamps)
250-550 for apartment (low income rent)
50-100 for electric bill
37 for home phone (Quest) and internet.
0-10 pet expenses
---
387-1022
Yearly expenses

300-1000 car insurance (both)
300-600 health insurance (both)
50-200 car maintenance
25-200 clothing
50-150 for medical co pays
---
525-2150

Total of maximum payments per month and year
14,414
Total of minimal payments per month and year
1,112

PLEASE add wahtever els you can think of into your comments PLEASE! Thank you for you time.

2007-01-18 11:29:35 · 9 answers · asked by justin l 1

2007-01-18 11:22:08 · 13 answers · asked by Anonymous

Hi, just wondering if anyone has any tips on getting out of debt, i obviously dont use the credit cards anymore i know that is step one, any tips on how to pay them off fast?

2007-01-18 11:20:31 · 6 answers · asked by Katy 4

my father in-law deposits money in my account every month becuase he got a loan from me and my husband. so thats how he pays us back monthly is depositing money in our account himself. my question is, is it normal for the bank to give him a receipt afterwards with our account balance on it? we trust him obviously because he has our account # so today, during a conversation, he mention how much we have in our bank account which its exactly right. I didn't think that they would give a receipt with our account balance on it to somebody thats not us. my point is, he can deposit money in there but we don't want him to know how much money we have. we have him do it because he lives close to the bank and we live almost an hour away from it. its been good to us so when we moved, we stayed with the same bank. hes not doing anything wrong, I just wish that the bank don't give him a receipt with our account balance on it. is this perfectly normal or am I overreacting?

2007-01-18 11:18:37 · 11 answers · asked by Anonymous

Today I went to my local halifax branch to make a deposit into my account, only to be told by the teller that they no longer accept deposits over the counter for my account type. She then said I would have to use the deposit machine with a huge queue even though ALL the tellers where free.

Q1. Have you had the same problem?
Q2. Would you accept this from a bank that's meant to 'give you extra'?
Q3. Do you think this is a way the bank intends to cut its staff by using machines to cut costs?
Q4. Can you recommend a bank other than Halifax?

PLEASE NOTE

This isn't a joke, I have a standard cash card account to which a pay in around 18 grand a year.

2007-01-18 10:46:13 · 10 answers · asked by daveshere 2

Can UK revenue and customs freeze your account?

2007-01-18 10:02:29 · 3 answers · asked by Anonymous

2007-01-18 08:41:40 · 10 answers · asked by Anonymous

2007-01-18 08:40:10 · 4 answers · asked by Anonymous

2007-01-18 08:39:31 · 4 answers · asked by stnfick 1

2007-01-18 08:27:59 · 13 answers · asked by SIMON D 1

2007-01-18 08:02:27 · 6 answers · asked by Alicia H 1

There are tons of internet banks out there with nice interest rates, no fees, etc.

I'd like to have a separate checking account to tie into paypal and other direct transfer accounts (INGdirect, emigrantdirect, etc); kind of like a junk email address I'd use to insulate my main account from being "out" there.

Would having more than one checking/savings account open negatively affect my credit rating?

2007-01-18 07:53:39 · 4 answers · asked by Anonymous

interest on a 2nd mortgage? (for a primary residence)

2007-01-18 07:30:21 · 5 answers · asked by l2brennan 2

I really would like to manage my money more efficiently, however, every time I try to find a financial advisor, it's someone who helps with decisions about investment portfolios and retirement plans. That's great, but I'm not at that point yet. I need help with the basics: paying down student loans, straightening out credit issues, setting a budget, and so on. What type of professional do I need?

2007-01-18 07:09:17 · 9 answers · asked by • pixelchiq • 2

2007-01-18 07:07:17 · 4 answers · asked by rayfwylie 1

2007-01-18 06:27:54 · 27 answers · asked by Anonymous

I'm working full time with as much over time as I can do and I need to make $1,000 to catch up on some bills how can I do this???

2007-01-18 05:48:57 · 9 answers · asked by Anonymous

I just had to file my second bankruptcy. 2 in 4 years. This time it's chapter 13 so atleast I'll be paying off my debts. I need a place to live. Any suggestions, I make a reasonable cash income of over 3 grand a month.

2007-01-18 05:32:27 · 5 answers · asked by lvillejj 4

2007-01-18 05:23:22 · 4 answers · asked by Chyna9 3

My husband's in Mexico for an emergency and he need's money, Is there a bank were I could open a online bank account so I could deposit his checks?

2007-01-18 05:12:05 · 9 answers · asked by Anonymous

6 months ago my mum who was then mentally capable filled in and signed the power of attorney forms for me to have power mum is now very very ill and im not sure what i need to do with them help...

2007-01-18 05:06:59 · 4 answers · asked by dottydog 4

Last year I took out a loan for a four figure sum and although it had a 3 month payment holiday they still haven't charged me anything nearly a year later. Has anyone else in the UK had a similar experience and am I likely to get away with it?

2007-01-18 05:05:08 · 6 answers · asked by micktravis 1

2007-01-18 04:51:58 · 3 answers · asked by Anonymous

money to begin with? The things they suggest cutting out or saving on are things I don't have to begin with. They suggest cutting off your premium cable service, exercising at home instead of a gym membership, hand washing instead of dry cleaning, and so on. None of these tips help me at all. Why doesn't someone come up with some tips for people who don't have enough income to cover their monthly expenses? Like how can I cut my 75 dollar electric bill when I live in an apartment where the heating and cooling units are old, or how can I cut my 20 dollar a week grocery budget down? I can't cut down on entertainment because I never go anywhere to begin with. Where are the savings tips for poor people??

2007-01-18 04:49:18 · 8 answers · asked by reallyfedup 5

Is it true that if you have your SS check deposited in a bank account just for the SS check that account cannot be attached from a creditor with a money judgment? Also, can the IRS attach your SS account for back taxes?

2007-01-18 04:26:06 · 3 answers · asked by quidproquo888 3

2007-01-18 04:22:56 · 4 answers · asked by Anonymous

I am looking for fast setup, easy interface, good APY, quick ACH transactions, etc. I am looking for an honest review from real customers, good and bad experiences welcome.

Thanks!

2007-01-18 04:05:23 · 8 answers · asked by svenm81 1