Personal Finance - April 2007

Ok, we're in a lot of debt (credit and school) and we're trying to get out but haven't had a vacation for over 3 years. (just used days to stay at home or for doctors appointments. that's NOT vacation).
We live almost paycheck to paycheck as we're trying to pay things off faster, but my kids are at the perfect age to start camping (2,4,6) and my wife doesn't like the idea of a regular tent, and I don't want her first camping trip to be a disaster. I've been looking for a cheap tent trailer (and I think I found one that is in decent shape except for the canvas needing to be replaced). I think I can get it for 400 or less. I'm very good at fixing things and I think I could do the canvas myself (I have access to industrial sewing machines) and whatever other repairs there are to be done. Is this a bad idea that is going to end up costing a lot more?
I'm just so tired of being stuck at home and I hate giving money to motels. That's money I'll never ever see again.

2007-04-13 12:11:24 · 1 answers · asked by Anonymous

I have a Upromise account (not the 529, just the account for my savings) and a separate 529 account. My plan is not one of the Upromise "blessed" plans and, therefore, I can't transfer the Upromise money directly into my 529 plan. Does anyone know how I can cash out the money in my Upromise account? Or at least some way to transfer the money into my 529 (eg, open another 529 to get the money out and then transfer from that plan to my 529 without paying huge fees)?

2007-04-13 11:21:44 · 1 answers · asked by kykdidge 2

2007-04-13 10:49:33 · 7 answers · asked by edward g 1

I am new in the mortgage business. Does anyone know how to obtain records of people that have adjustable rate mortgage loans in order to get the people to refinance into a fixed rate?

2007-04-13 08:31:47 · 6 answers · asked by Buff 3

house if after i pay my bills i have about $200- 250 left to myself..i plan on leaving NY to purchase my house in the near future...i am part owner of a house right now..and it took me about 16 months to save what i needed to purchase this house..mainly because i was living with my sister and i wasnt paying any rent..i was basically saving all my income..but now i am paying half mortgage which takes up most of my pay check..then i have my light and gas.food shooping..my daughter..basically i have only one income...whats a good portion of $250.00 to put aside for my next house...

2007-04-13 06:33:49 · 8 answers · asked by Anonymous

2007-04-13 05:54:45 · 6 answers · asked by kenny b 1

If you notice a month later that the bank teller deposited a check for $170.00 instead of $70.00 (it was supposed to be $70.00) do you get that corrected or do you just shut up?

2007-04-13 05:52:54 · 4 answers · asked by confused 1

i just remembered i had opened a bank account back when i was in 4th grade....it was a saving account and we weren't allowed to touch the money until we were 18.....its been 13 years and i completely forgot it was there and after 5th grade stopped making deposits.....what happens to the money? did it collect intrest or what?? if so how would i go about claiming the money?

2007-04-13 05:14:04 · 6 answers · asked by Anonymous

I am umming and ahhing about fixed rate or variable rate remortgage. Variable rate is 4.95 (0.3% below BR) and fixed is 5.19.
Will be agreeing to 2 year deal.
Thanks so much for your thoughts!!

2007-04-13 03:31:14 · 9 answers · asked by poochieanna 2

2007-04-13 01:01:36 · 4 answers · asked by banni_bal 1

Reason i ask is i sent out a cheque in december dated end of december 2006 and it has still not been cashed and i cant remember how long it has got is it 3 months or 6 months before it expires?

2007-04-13 00:17:14 · 14 answers · asked by Anonymous

I used to have a checking account but it got overdrawn and I couldn't cover it in time so they closed it. The thing is, I need a checking account. If I go to credit union as oppsed to a bank, will they check that system that banks report to? Are they going to deny me?

2007-04-12 16:51:46 · 4 answers · asked by ~mj~ 3

2007-04-12 16:05:54 · 2 answers · asked by zipster@sbcglobal.net 1

What was it? Why was he successful in taking your money??

2007-04-12 15:18:03 · 5 answers · asked by HomeSweetSiliconValley 4

2007-04-12 13:42:32 · 5 answers · asked by debnmo 1

2007-04-12 12:49:01 · 4 answers · asked by meelow 1

ANY TIP$?

2007-04-12 12:31:32 · 14 answers · asked by dave_sk8erkid18 1

I'm trying to apply for a personal loan so I can make a residence change and move out of my paren't house as the living situation is dangerous for me right now. I'm not sure what the amount is that I would need but I'm thinking like a $5,000 loan would be good to start with. I've never had a loan besides a student loan and I have an account with bank of america. I was wondering what the difference between their personal revolving loans and their personal loans were. Also, do I have to have a cosigner and any other information you could provide would be great. Thanks!
I don't really have a lot of credit as I just got an A/X blue card and a Bank of America Visa card with a $3,000 limits but under my parents account. They have A1 credit. Both of these cards have my actual name on them though. But, I desperately would need the loan asap so I would appreciate any advice.
My student loan is in deferment until I graduate from school. Please let me know if I need to put anymore information.

2007-04-12 09:53:57 · 9 answers · asked by Anonymous

I am researching this for work....we are talking about folks in IL or FL. Please let me know.

Thanks

2007-04-12 06:44:32 · 5 answers · asked by dwm1034 2

I have a new employer and I'm elegible to roll over my 401K. At the moment I have my 401K with my previous employer and I can leave it there for as long as I want to. Due to my current credit card debt, I'm not planning to make any contributions. Please advise~

2007-04-12 03:35:04 · 6 answers · asked by Princesa 3

Never had a credit card before just applied for my first one, through my bank and they gave me a credit limit of $6,000. That seems weirdly high to me, no?

2007-04-12 02:32:02 · 10 answers · asked by Very Nice Indeed! 1

2007-04-11 16:28:35 · 12 answers · asked by ? 1

I make aboput 10k a month pre tax..... I have one child. I have not talked to a lawyer yet I'm just looking for a ball park figure. Thanks.

2007-04-11 15:56:13 · 5 answers · asked by BossHogg R 2

Has anyone had problems with HSBC subordinating a loan?

2007-04-11 15:16:30 · 2 answers · asked by T D 2

I recently left a job where my paycheck was getting direct deposited. Will my last paycheck from there be direct deposited? Or mailed to me? It was already supposed to be in my account but nothing as of yet. I am worried they are trying to shaft me of my last weeks pay.

2007-04-11 15:07:04 · 8 answers · asked by flredneckgal_21 3

The IRA sales rep gave us a presentation today and I tried signing up for it but she pushed me aside so she could speak with the professionals, and none of the clerical staff where I work have one. I'm not on welfare just because I'm an office clerk, I have lots of extra money after my living expenses and would like to save for retirement so what do you recommend?

2007-04-11 12:51:42 · 6 answers · asked by whatwhatwhat 5

I just set up a paypal account in hopes being on the recieving end of some with some work at home businesses. Does anyone know how you get the cash out of paypal when you want it?

2007-04-11 11:34:11 · 3 answers · asked by vyk 2

2007-04-11 10:20:18 · 6 answers · asked by Anonymous

2007-04-11 09:39:53 · 5 answers · asked by Anonymous

My boss, the payroll manager at work, and my friend the accountant says to. Thoughts?

2007-04-11 09:35:20 · 5 answers · asked by Anonymous