Personal Finance - July 2007

Hi.
I need cash, and I am thinking of closing one of my Roth IRA account. I am aware that this is a bad move, not just for early closing fee, Fed. tax of 10%, and state tax.
My question is, will it damage my credit history if I closed Roth IRA now?
btw, I am 31 years old and I will not touch my Roth IRA with other institution, nor other forms of retirement savings.
Thank you.

2007-07-29 16:20:12 · 3 answers · asked by zowzow1 1

i was wondering how to gain weight on the outside not the inside

2007-07-29 16:01:36 · 4 answers · asked by Anonymous

loan24 is a company that charges people money to post thier information to over 100 lenders world wide. is this company for real or a rip off?

2007-07-29 15:42:24 · 2 answers · asked by lisa L 1

My credit is bad and I want to get a credit card to rebuild it. I plan on only buying gas with it and paying it off each month.

2007-07-29 15:29:49 · 8 answers · asked by atomzer0 6

Good help that is , we want to use it wisely ,for our family and our future.

2007-07-29 15:01:50 · 10 answers · asked by Eric 1

I posted ( I need a $25,000 unsecured loan )

I got several answers and most of the people are from out of the country and want me to fill out this form: Plus a Bank Account # for them to wire the funds. It definatly seems like a scam I just want to hear some feed back on it.

Thanks

First Name:
Other Name:
Address:
Date Of Birth:
Gender:
City:
State:
Zipcode:
Tel:
Mobile:
Fax:
Propose loan amount:
Loan needed:
Marital status:
Post hold in a working place:
Salary:
Country:

2007-07-29 15:00:34 · 8 answers · asked by Sky Walker 1

: i can't get a job, cuz my parents won't let me, and b/c i dont have a car...
i will NOT do anything illegal...

i will NOT sell my body/bcome a manwhore for money
i need money to fix my laptop/buy a new one cuz my sister somehow broke it and my parents are playing "tough love" and won't lend me money to fix it up.... i really need this computer, im dying! help please?
by the way im at the library doing this... i walked 3 miles to ask this, someone please gimme a good scheme please? thx...
i miss my music... and my games... help me please?

2007-07-29 14:59:26 · 5 answers · asked by Anonymous

Right now, she has a lump sum in a Genworth annuity that is only returning about 4%. Any money she takes out now is taxable (it was non-taxable going in). Is there a way to transfer the balance or at least the priciple to another higher yielding annuity? What kind of fees or penalties would she be looking at? Is there another investment that may have a higher yield? Who can answer her questions... because I am clueless. :-)

2007-07-29 14:55:49 · 1 answers · asked by Red 2

What should they do to get financed? Is there anywhere special that they can get financed?

2007-07-29 14:29:55 · 4 answers · asked by felicity 1

My boyfriend and I want to take out a $3,000 loan for a down payment and first months rent on a rental home. I have a few questions:

1. Do you have to belong to the bank you get the loan from?
2. If one of use has better credit than the other, is it better to do two separte loans or do one loan together.
3. How long does a loan take to come through?
4. Are there penalities if you pay the loan off faster than scheduled?
5. What about Bank of America: are they good? Wachovia?
6. What is the difference between a secured personal loan and unsecured personal loan?

2007-07-29 13:43:22 · 6 answers · asked by Anonymous

A co-worker and I got on the topic of how bad we are at saving money. She told me that she has $25 put into her US Bank savings account, but her primary bank is Wellsfargo. We both have automatic deposit so her check goes into her fargo account. But her US Bank Savings takes out $25 a week to for that account. I didnt know if this was legal?? Would US bank have to access her fargo account? Or would our employer's bank signal funds in both of the banks first thing?

2007-07-29 13:09:21 · 5 answers · asked by EchosOfAngels 3

2007-07-29 12:37:10 · 4 answers · asked by THE 2

It is all quite legal and here is a an actaual example from to day's newspaper, typical of most of them. They simply exploit people's ignorance of the rules of rounding:

A major finance company advertises that its lending rate is 8.4% APR and their accompanying table shows that for a loan of £10,000 over 120 months you would pay £122.05 per month,

If you calculate the true interest rate for these payments, you will find it is 8.447%. Of course in law, the company cannot be accused of telling lies, because to the first decimal place, the interest rate they are quoting is correct.

2007-07-29 12:31:10 · 6 answers · asked by Anonymous

2007-07-29 11:44:20 · 14 answers · asked by shoppinggirls3 1

can they tell me purchase etc. that i made the same day? Things that will not show up on a bank statement for a few days?

2007-07-29 11:43:04 · 11 answers · asked by KungFu Ninja 5

I already am a home owner and am looking to buy a plot of land to build my dream home.

I have around £13,000 in savings and have just found a plot for £45,000.

Question is: Can you get a mortgage just to buy the plot of land? Ie 45k - 13k i need 32k loan.

The plan is to buy land just now and sit on it for a while, then the idea is to sell my house, then the money from the house goes into the buld, this being around £140k. When im ready maybe in around a years time.

Is there any loan companies or building societys that offer loans for this?
Or a loan company that will lend more than 25K on a personal loan?

Uk people to answer only please.

Thanks for help, any links or leads much appreciated.

2007-07-29 11:15:56 · 2 answers · asked by Anonymous

Ok here is the thing. My parents are still alive. Mom does not like Wills, Living Wills or anything of the such. Dad just does what mom says, lol. They only had my brother and I. He passed away a couple of years ago. (you can see my profile for some of the story) But anyway, just before my brother passed away, mom and dad put one acre and one house in his and his wife's name. The other 2 acres and house they listed me as suivor of them and I get that.My brother had 2 kids and they are grown and gone. Well the boy took over their house and made his own mom move out. I have 2 kids my self, grown and gone as well. Last year my parents put my name on their banking account. My parents don't want to give them any thing else now, they want the rest of it to go to me. Here is the problem, mom will not have a will made out at all. She thinks that the attorneys are just after more money. Their attorney himself told me that if they leave things the way they are now that my brothers ............

2007-07-29 10:41:04 · 9 answers · asked by SapphireB 6

Is this a good idea?

2007-07-29 09:58:26 · 5 answers · asked by Bette 1

2007-07-29 08:34:59 · 7 answers · asked by Anonymous

2007-07-29 08:26:49 · 2 answers · asked by Valerie E 1

i had a bank account with uboc, its been closed for a year because i owe them 550 dollars, i work for the school district in california and my payroll checks are to be cashed at that same bank, i was told i could cash it there without them taking the money because my account is closed and im just cashing it.i just want to be sure they cant , i would be screwed if they did, thank you for your help

2007-07-29 08:13:32 · 4 answers · asked by sam c 1

Please... NO FAKE TESTOMONIES!!!

2007-07-29 08:10:35 · 2 answers · asked by tarquinn j 1

we already know we are not eligible for medicaid. spouse's ins. did not pay on bill. what kind of help is out there, short of filing for bankruptcy?

2007-07-29 08:07:36 · 3 answers · asked by whall8087 1

ok i have around $6000 on my checking account. Its been there for awhile and i want to do something withit. Like making money or put into saving to get interest? I dont know anything about this so can u plz recommened wat i should do? thx

2007-07-29 07:49:52 · 9 answers · asked by brian k 1

i took out a loan under my name for my parents a few years ago while i was still living at home - so instead of me paying housekeep i paid the loan now that i have moved out they pay me £60 a month for their loan- they have just remortgaged their house without giving me anything to clear their debt - i love them to pieces but they still owe £5000 - it would take nearly 7 years to clear this if they only pay £60 a month - i'm in alot of debt myself totalling £15000 but obviously this includes my parents loan i had to use the cash machine for my mum the other day because it wasn't working out properly and noticed that they have over £8000 in their account - i didn't mention it bec i didn't want any rows but i'm pregnant now with my first child and i feel that i don't want to be strugglging forever but i really love my parents and don't know what to do - i am going to have to ask them to increase their loan repayments without any rows to £100 a month, or can i transfer their debt to them?

2007-07-29 06:28:00 · 5 answers · asked by secret 1

I have got several thousand dollars of debt: 18K @ 5%, 3,400 @ 4%, 4,800 @ 10%, 15K @ 7%. I will receive approximately 10K soon. Should I save it all, part or use it all toward debt? My current savings is approximately 2K. I am maxed out on 401K. I budget with about 250.00 left each month. I am planning on getting married in approx 18 months.

2007-07-29 05:53:49 · 9 answers · asked by Streaker 2

The email also includes some overseas contacts what should I do?

2007-07-29 05:40:19 · 32 answers · asked by mumrha 1

I got married in January and havent made it to the SS office and DMV to change my name. My husband and I are getting a joint checking account. Can I have my married name on the account even though my social still says my maiden name?

2007-07-29 04:12:19 · 4 answers · asked by MommyTwice-TwiceTheLove 4

i worked a schedule of 20 days on with 10 off or 14 on and 7 off all year round? at a rate of say $500 a day what would my generated income be for the year end? thanks.

2007-07-29 03:59:57 · 3 answers · asked by bazil 1

Would now be a good time to take money out of it or contribute more to it. I am looking at very long term. I am 30.
I also have the rest of the 401k pretty diversified. Any advice?

2007-07-29 03:07:33 · 6 answers · asked by REX 3