Personal Finance - May 2007

2007-05-11 01:03:52 · 1 answers · asked by foreverlulu.t21@btinternet.com 1

2007-05-10 23:01:16 · 11 answers · asked by Anonymous

2007-05-10 21:49:52 · 3 answers · asked by challenged 1

I have the choice of monthly pension payments or taking a lump sum. I need to calculate, based on a certain interest rate, how many years I could invest the lump sum and take monthly payments, until it runs out.

This is another way of saying that I wish to calculate how long I would have to live in order for it to be worthwhile to receive monthly pension payments rather than take a lump sum.

Is there a built-in function in Microsoft Excel for calculating this?


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2007-05-10 20:44:07 · 13 answers · asked by Ivri_Anokhi 6

im just getting started would it be better for me to get a checking acount, or a credit card where you get money on the card already and build up your credit, but have the bill.

2007-05-10 18:15:05 · 5 answers · asked by nail_tech18 2

Dear Friend ,

How are you today? Hope all is well with you and your family?,You may
not
understand why this mail came to you. But if you do not remember me,
you
might have receive an email from me in the past regarding a
multi-million-dollar business proposal which we never concluded.

I am using this opportunity to inform you that this
multi-million-dollar
business has been concluded with the assistance of another partner from
PERU who financed the transaction to a logical conclusion. I thank you
for
your great effort to our unfinished transfer of the fund into your
account
due to one reason or the other best known to you.

But I want to inform you that I have successfully transferred the fund
into my new partner's account in PERU, who was eventually, capable of
assisting me in this great venture. Due to your effort, sincerity,
courage
and trust worthiness You showed during the course of the transaction.I
want to compensate you and show my gratitude to yo

2007-05-10 16:38:51 · 12 answers · asked by jubilee49 1

2007-05-10 15:53:01 · 5 answers · asked by s m 1

Our credit isn't the best. We want to rent a house and buy a used car. Our lives are on track now and we can repay the loan easily. We need $ as a down payment in a lump sum.

2007-05-10 15:44:31 · 2 answers · asked by jfog 1

2007-05-10 15:17:38 · 4 answers · asked by moosa 2

2007-05-10 13:43:01 · 9 answers · asked by masonv80 3

2007-05-10 13:33:05 · 9 answers · asked by rosey 7

2007-05-10 12:35:47 · 13 answers · asked by Danelle C 1

Hey everybody, im planning a beach trip for July 28th-Aug 7th at Myrtle Beach with a couple of friends and my girlfriend. I got the hotel reservation bill back and it's going to be $534 my friend will be staying in my room the last 3 nights and said he would pay half for those last 3 nights. So i believe that bumps it down to around $440. anyways, right now i have somewhere around 400 dollars saved up, but im SO worried that i wont have enough 1. Because im worried i might not get enough hours at work, and 2. im addicted to swiping that debit card! i cant stop no matter how much i try. I've thought about leaving the cards home but then what would i do for gas? or any other emergency spending?

Are there any ways i can get some extra money for the trip that wont cost me anything and wont scam me out of even more money?

I tried applying for a credit card but was denied because i dont have any credit yet.

2007-05-10 12:28:21 · 9 answers · asked by seraphim8706 2

Hello, I have a few questions on the maturity dates when it comes to certificate of deposits. Unlike a savings or money market account, I understand CDs have maturites, say 6 months, 1 year, or 60 months, etc. With that, what happens to the money you've deposited at the end of the term? Do you have to then put the money into a new account or does the term just automatically restart? Also, as far as taxes on interest go, are you taxed on interest at the end of the year just as you would with a regular savings account? If not, how does the tax situation with a CD differ? Thanks so much!

2007-05-10 11:20:36 · 4 answers · asked by commandercoolage 2

You could sign up for and get the most interest back?? OR with the best benefits?? And for free please.

2007-05-10 10:03:53 · 4 answers · asked by Sorakairi 2

Apparently I have an outstanding credit card balance that is over 10 years old. I have not heard a thing from the credit card issuer until recently. It is also not listed on my credit report. Do they have the legal right to try and attempt to collect through a collection agency?

2007-05-10 09:05:33 · 4 answers · asked by Sharon D 1

2007-05-10 08:31:45 · 8 answers · asked by Anonymous

My husband and I make a little over 63000 a year after taxes. Our expenses currently are 54,000 a year. We would like to plan our savings so that we can come out ahead with a nest egg of 3 months and a decent down payment on a house in two years. We live in Seattle and would like to buy a home within two years, but the housing costs keep going up. I had a bancruptcy discharged in 2005, my husband is still paying on a 13 through August of 08. We also have two kids 8 and 2 (the 8 year old has a GET account the two year old does not yet). Things I am trying to consider also are my son will be in school in 4 years so that will be less for daycare. Any advise for good ways to maximize our savings and get ahead are appreciated. I have been looking into an ING account as well.

2007-05-10 07:37:12 · 4 answers · asked by Anonymous

2007-05-10 07:34:43 · 7 answers · asked by ajjm28 1

I'm not sure whether it matters if my credit isn't very good or not? Working with the company I'm currently employed at, I'm able to join a particular credit union for free. Will there be an advantage or should I stay with my current bank?

2007-05-10 06:34:03 · 4 answers · asked by T S 1

Just wondering if there's any clever people that can help a usually poorly mangaed financial person to come good.

2007-05-10 06:30:36 · 20 answers · asked by Anonymous

We want to send in a lump sum to put towards the principal on our mortgage...if we do this how does it affect the amount of interest paid. Probably a really dumb question, but is the interest calculated on how much you borrowed initially OR how much you still OWE? Is it worth it to do this?

2007-05-10 05:42:07 · 11 answers · asked by laura s 1

I understand why someone might buy a stock from a company that pays out dividends. That makes sense.

But there's absolutely no inherent value whatsoever in a stock that does not pay out dividends. You make money with that stock only by selling it a higher price.

It's sold at a higher price only because there are more investors willing to buy it than sell it. But investors are eager to buy it only because the company has/or is expected to report good earnings and growth.

But if all the participants of the stock market were to agree to it, tomorrow we could decide to value companies based on how many of it's employees are expected to buy pets, or how many cars its CEO plans to buy, or how many of its factories will be colored red, ANY RIDICULOUS VARIABLE WHATOSOEVER, and the stock market would work exactly the same.

It just so happens that investors worldwide have decided to label companies with high earnings as the "valuable" ones. Isn't this amazing?

2007-05-10 04:23:12 · 5 answers · asked by Anonymous

I have always heard that you should have 3 months of pay in savings. I am trying to do this, but at the same time I am trying to pay down credit cards which is hard to do. Which is better to concentrate on the savings or paying off credit?

2007-05-10 03:58:01 · 9 answers · asked by CJ 1

Can anybody tell me how much interest I will be paying? Thanx xxx

2007-05-10 03:25:27 · 15 answers · asked by mr2babe2000 2

2007-05-10 01:32:48 · 10 answers · asked by vchernos 1

to it?

2007-05-09 17:33:39 · 1 answers · asked by Smart_Guy 1

2007-05-09 17:32:50 · 3 answers · asked by Smart_Guy 1

So, I owe my bank money due to overdrafts and I can't afford to pay them in the time they expect. I have kept sending emails stating I do wish to pay, yet I am asking for an extentions before I put any money down.
All of my emails have not been responded to.
I have heard that if bill collectors ignore or turn down payment, then the whole debt with them can be nullified.

Is this true with banks as well?

links and info will help. I live in Texas by the way

2007-05-09 14:18:50 · 6 answers · asked by Mercury 2010 7

Okay, so, I'm 13 years old, therefore I cannot legally work. And I need just some quick extra cash. Does anyone know how I could (legally, of course) make money quickly?

2007-05-09 14:18:22 · 7 answers · asked by Anonymous