Personal Finance - June 2007

I have two separate, but related questions:

1. I have an uncashed check that is 5 years old and it does not have a “cash with x months” statement on it. Can I still cash it?

2. How to I get a company to reissue a check that is older than the “cash within 6 months” date on the check?

Serious response only. Please state your source.

2007-06-29 16:24:58 · 4 answers · asked by Ann 2

poor credit,been turned down by every credit co.just need a second chance in life.government should help

2007-06-29 16:24:04 · 4 answers · asked by Anonymous

I want to be a millionaire , but I don't know how???

2007-06-29 15:20:31 · 6 answers · asked by unknown 2

I am moving soon and am going to be on a very tight budget. My family consists of my husband, me and our one year old daughter and we live in NJ.

Does anyone have any good suggestions for saving money in general? Anything you have found helpful to cutting your spending down?

Thanks in advance!!

2007-06-29 15:15:42 · 7 answers · asked by Momma! 3

My landlord is a crook. As my current lease, he attempted to raise the rend by $200 per month this year. I disputed the increase, so he verbally gave me an option to accept the increaed rent or stay 2 months for free and then move out. Last year he gave me the same option, but I accepted the increase. This time I decided to take the offer and been enjoying my rent-free 2 months while accumulating money for my move. Strangely he has kept sending a bill at the beginning of the month, although he never came by or called me. I assumed that because it is a management company that manages large apartment blocks, maybe they keep sending the bills for some accounting purposes. I thought it was OK, because if he wanted to collect the rent he would show up here and call me constantly. Then I've received a letter letter from a collection agency that is working to collect the rent in arrears. If I refuse to pay and dispute, how strong is the landlord's case without a signed current lease?

2007-06-29 13:39:11 · 4 answers · asked by Eddie E 1

2007-06-29 12:28:14 · 9 answers · asked by joey d 1

i found a savings bond for me (form my deceased grandmother) from 1996 for $100, would it be worth more now that it is eleven years later.

2007-06-29 12:00:48 · 2 answers · asked by נυѕт ѕмιℓє 5

This Wednesday I called my bank's Credit Card department and asked if I made a transfer from my CC to my Checking (also with them) would there be any fee to do so. Their phone rep. said, "There'll be NO FEES as long as you do it on-line." I asked her TWICE, just to be sure, becuz I am TotallyDisabled and cannot afford any huge transfer fees !!! Well, while doing some on-line banking today I saw a huge FEE of $140.00 attached to my CC (M/C) as a FEE for that transfer !!! Being terribly upset, I phoned them & was told, "We do have fees & they can't be waived!" Well, I don't want it waived, I WANT IT REMOVED, as I was told by THEIR REP. that THERE'D BE "NO FEE" ! I asked to speak to a supervisor & was told that she'd get me 1,"but she won't waive the fee either"!!! I was then told they were too busy & I'd get a "call back w/i 24 hrs.So, I sent them an on-line written message informing them of the problem & pleading 4 them to DO THE RIGHT THING! WHAT ELSE CAN I DO if this fails? HELP

2007-06-29 11:25:08 · 7 answers · asked by BARBIE 5

I am about to lose my home on July 5ht

2007-06-29 11:23:48 · 3 answers · asked by spiffylucy 1

In Brazil it's 60 years for men, and 55 years for women.

2007-06-29 11:06:01 · 11 answers · asked by pop 3

2007-06-29 10:41:46 · 10 answers · asked by Wonderment 4

I financed a car 3 years ago and at the time I had bad credit, so the car salesman talked my mother into putting the car in her name in order to get the lower APR, which I believe was 8%. They told me to make consecutive payments on time for a year and then it should be no problem to switch the loan to my name. So a year later after I had made all my payments on time I called the credit union who financed the car and they denied my request to switch the loan to my name because my credit score wasn't high enough. So at this point the car is still in my moms name, and due to financial problems, my credit score is probably at the same place it was back then, or possibly even worse. My mom wants the car out of her name and I am stuck, I can barely afford that car anymore. I have recently decided to file for bankruptcy because I have a lot of medical bills and outrageous utility bills that I can no longer handle. I would love to put the car in my name and then file for bankruptcy. cont...

2007-06-29 10:41:43 · 3 answers · asked by Bee Biscuits 6

can you only get it on checks?

2007-06-29 10:40:49 · 13 answers · asked by ✶ 4

2007-06-29 10:30:41 · 5 answers · asked by Gucci 2

I am living in a home that i received after family passed away i want to sell and put 20 percent down for another home, but i have low credit score are there any options..........

2007-06-29 10:16:03 · 4 answers · asked by Christi M 1

2007-06-29 09:03:33 · 5 answers · asked by Chiquita W 1

im 22 years old, living at home, in college and recently fired from my job ( which i loved), i'm curious to know what's the average saving amount for someone in my position or really someone in the gerenal age range?

2007-06-29 08:52:03 · 16 answers · asked by jimmy949993 1

Do you guys think that in a family the husband and the wife should have different bank accounts.

2007-06-29 08:37:18 · 10 answers · asked by ogantom 2

My fiance and I currently split ALL of the bills evenly. Mortgage, Utilities, Cable, etc. We each pay for our own cars and insurance. We also each pay for our own credit card bills and student loans.

The thing is, I make $45,000 a year and he makes close to $65,000 but can make up to $70-75 in overtime a year.

Is this fair? Every so often, I ask him to help out a little extra (pick up a utility bill or 2) but he's dead set on the fact that he works for his own money. I understand that overtime can be exhausting but he gets time and a half for that. My job does not offer OT so I would need to get a part time job makes less than what I make now.

What is the fair way to do this?

2007-06-29 08:06:44 · 7 answers · asked by iheartnjdevils 2

My job automatically provides me with $50,000 life insurance free of cost. Many years ago, I opted to pay $80/month to increase it to $100,000. My son is 26 years old now. I was thinking I would cancel the additional insurance I pay for ($80/month) and sock it away in a savings for my retirement. I'm 55 yrs. old. Any advice?

2007-06-29 07:48:44 · 7 answers · asked by bernadette 3

This temp service that i just quit from doesn't want to give me my pension and i've been with them for a year and a half but i don't have any money for a lawyer so what should i do now? I just want what's rightfully mine.

2007-06-29 07:10:54 · 2 answers · asked by Caryn B 2

I have five children. My husband and I had one and he and his ex had four; they all live with us. I have always thought of these children as my own because their mother floats in and out of their life. I recently purchased a life insurance policy on myself and have listed my spouse and my children as the beneficiaries, my husband getting 50% to pay off the mortgage and debts and then each child gets 10%. But I am wondering if I've made a good decision. I worry if something unfortunate did happen to both my husband and I that the kids mother would just blow all the money. I got this policy for peace of mind to make sure that they wouldn't have to worry about the mortgage and college and all those things but should I leave more for my biological son then my step children? I don't like to think of them separately as I said, they are all my children. I just want to do what's right by them. Please don't be rude or a smart ***... I really just would like to hear other peoples opinions.

2007-06-29 06:55:28 · 10 answers · asked by enigma 2

I've heard that some members of the clergy don't pay into SS. Can I become a Rev. online to accomplish this?

2007-06-29 06:54:18 · 3 answers · asked by Anonymous

what way I have to go ,what is the way of success?

2007-06-29 06:36:18 · 6 answers · asked by Anonymous

i just lost my job. had worked there for almost 2 years and had a little under $1000 in my 401k. thats not much money, but it would definitely help now. am i entitled to get that? i know i probably will take a tax penalty.

2007-06-29 06:31:28 · 3 answers · asked by Justin A 2

2007-06-29 06:05:34 · 2 answers · asked by Chelsea 3

I owe Charter One and US Bank. Just give me an answer and dont tell me about what i did wrong and what I shouldnt of did.

2007-06-29 05:11:08 · 5 answers · asked by Anonymous

2007-06-29 04:18:52 · 0 answers · asked by fartown_fan 2

to pay my rent today, but it held my cash??
I didn't realize that bank machines held cash... i need to pay my rent today but its held??? what can i do??? will they stop holding it if i talk to them???it was $150... thanks! ( im in ontario canada)

2007-06-29 02:20:52 · 4 answers · asked by thankgodformaryjane 4

2007-06-29 02:00:21 · 14 answers · asked by jaliahbug23 1