Personal Finance - August 2007

2007-08-15 10:47:05 · 6 answers · asked by Anonymous

I want to refi my house that we bought at $184,000 at 7.875%
it was fixed for 2 years and now will go up to 10.875%

Now, I have a $15,000 second mortgage that I accumulated from not having a job and misc expenses.
I want to combine them together.
I also want to add my $28,000 federal student loan at 6%
and my other private school loan of $12,000 at 13.25%
to the refi. I also have a credit card of $4,000 @ 8.99% fixed that I wouldn't mind adding to the refi as well.

First of all, Is this possible if my home is only appraised at $209,000 right now? And second, should I add these all together?

I would love to have one bill. All these payments are killing me.
Need your advice...
And if I should refi them all together, what companies have you been successful with for loans?

2007-08-15 10:07:22 · 13 answers · asked by kld726 2

How complicated is to apply for a small business or home improvement grant

2007-08-15 10:05:30 · 3 answers · asked by k02scorpio 2

2007-08-15 10:04:49 · 6 answers · asked by Janet S 1

After much unhappiness with a crappy bank, I opened a new account elsewhere and began depositing all of my money there. I had a tiny bit remaining in the old account, and decided to spend most of it, and unfortunately, in the process of this, became overdrawn by $7. I quickly corrected the issue, paid the insufficient funds charge, and am now ok. However, I want to just officially close the account. Could this hurt my credit score? Should I keep the account open, put some money in, and incur some 'good behavior' instead of just closing it so soon after being overdrawn, even by a small amount for only a few days? I don't want my credit score to suffer! Thank you!

2007-08-15 10:02:07 · 4 answers · asked by Hallie E 3

There will be a decision at my work, and my boss is making his decision to favor a company whose family is dating a manager.I found out about this thru the grapevine. The info was bypassed so I couldnt have input. I dont feel like Im running this dept, he is.

2007-08-15 09:53:06 · 8 answers · asked by fortunecookie808 1

I work for a small company and haven't been there over a year. My state doesn't offer short-term disability benefits... I am a single mom and need help!

2007-08-15 09:35:33 · 5 answers · asked by bowlinbby 1

I bought a car back in 95 and it was repo'ed later that year and marked on my credit as a paid profit and lost. Calvary Portfolio bought the account and has been harrassing me since then. 12 years! and they are still messing up my credit. I thought after 7 years it came off your credit but they still call me and report late payment on my credit beaural. What can I do?

2007-08-15 09:17:09 · 6 answers · asked by max s 1

What are the repercussions when a person retires & collect social security benefits, then goes back to the work force full time to supplement their income. I know that a person can earn 10/11k per year, but what happens when you surpass the amount allowed the government?

2007-08-15 08:41:09 · 2 answers · asked by mickey 1

My guinea pig is sick, and I need to get money for his appointment. My mom is going to work over-time on Saturday, and probably get the check a week later. That is way too late. What are ways a 13-year-old can make money fast without scams?

2007-08-15 08:39:54 · 9 answers · asked by Anonymous

I have about $2,500 that I am looking to put into a high interest savings account. In addition to the base amount I am also looking at putting around $800 a month in the account. I am looking to earn the most amount if interest possible bc I am trying to save up for an upcoming move overseas. I have around 8 months or so to save. Anyone have any suggestions? Thank you so much!!

2007-08-15 08:04:47 · 3 answers · asked by CP 2

I received an email from a guy in Nigeria, and I didn't fall for it, since I know about this scam, but it really concerns me that these guys are still on the loose hunting people, because I've read and seen the "supporting papers" that these scammers use to fool their victims.
Please tell me How to identify email scams? And, how can we fight againts these kind of frauds?

2007-08-15 07:12:08 · 7 answers · asked by JulioC 3

So I was stupid and found this guy on Craigslist who needed someone to help list his stuff on Ebay in the US because he was in the UK. He had an electronics company which I looked up and saw the website, etc, and it looked pretty legit to me. So I listed and sold two items, money goes to my paypal, then my bank. I take my cut and then am told to send the rest via Western Union to them asap. They tell me I must do it in cash at a location, I can't do it with a debit card. For one, I have never taken out more than like 300 bucks from my bank before, and two, at the start of this whole thing they didn't mention Western union or I would have said no. I know thats a prime scamming red flag. What should I do now????

2007-08-15 06:39:50 · 4 answers · asked by Rikki-Tikki-Tavi 3

i just wana earn sum little cash lol
thanks

2007-08-15 06:06:12 · 1 answers · asked by zizou 3

It takes a few days or weeks to get the title I understand that.

2007-08-15 05:51:51 · 3 answers · asked by Bill Spry 4

2007-08-15 04:14:17 · 2 answers · asked by I Love Jesus 5

Friends, I need a formal ans. for this question.

2007-08-15 03:27:26 · 7 answers · asked by gIrLiEgIrL 2

I just had to quit my job unexpectedly. I want to cash my 401K in so I can pay my rent! This acct is from a previous job I had a few years ago. It has about $4000 in it. I am not sure what the penalties and guidelines are for a hardship loan/withdrawl? I need the $ quickly.

2007-08-15 02:02:45 · 4 answers · asked by MMAARREE 2

Sort of a strange question I guess. I already have a house that I live in. I want to buy another house, as an investment. I don't want to pay very much monthly at all. (interest only?). I have excellent credit. Would it be bette rto try to buy a building (3 flat or duplex) and have the tenants make the payments? (provided I have tenants). Ideally I'd buy another house that I can move into now and keep my current house till the market gets better for sellers. ok, long winded I know. Any suggestions on how to do this with no money down?

2007-08-15 01:36:00 · 4 answers · asked by KidBao 3

I know there is a max contribution amount for a Roth IRA..... but can you set up mroe than one Roth IRA a year if you have more to contribute? Is that lawful and everything, or is it one IRA, and only that single maximum contribution each year?

2007-08-15 01:10:13 · 5 answers · asked by SSM 2

I was asked by a on line friend to forward some monies onto them from her Aunt. Her Aunt could not do this as she was out of the country. Monies was credited to my account via bank transfer and I checked that this money was available. I duly sent this money on. 4 days after this my account was frozen as they suspected fraud.

I have supplied documents to this effect but the bank refuses to un freeze the account. Where do I stand if this was a fraudulent transfer seeing that the monies have been sent on.

2007-08-15 00:45:43 · 12 answers · asked by Dave C 1

Been scammed w/ providencetrustinc.com who offered a $6000 loan, provided I paid upfront an insurance payment of almost $600. I had sent it thru moneygram just to find out that they needed more money bcuz he had made a mistake of the amount the ins. company was collecting. I refused, but never heard back from them. I am in so much in need of this loan at this time. pls. help!

2007-08-14 23:16:34 · 3 answers · asked by mel 1

i am trying to open a bank account and get a debit card, and (of course) they need my ssn. but how do i get it? where can i find it?

2007-08-14 21:01:54 · 2 answers · asked by Anonymous

lets start a commune, and become self ser and grow our own food away out somewhere rural, see my profile, all good people welcome with skills, Gay straight, I will lead, but all is equal

2007-08-14 20:43:21 · 4 answers · asked by Anonymous

to do now I am not actual cheeter. Private credit card bank made me cheeter.
Before approching them my life was good.They approched me and given a tast of cridit and now asking there value.
How it is possible >? . They have to suffer with me.
Is any one can give me suggestion to come out of this problem ?

2007-08-14 20:14:09 · 7 answers · asked by sushil_sharma244 1

2007-08-14 19:22:55 · 13 answers · asked by eoc1000 2

Does anyone have information on jobs that you can work from home from your computer and there's no start up fee?

2007-08-14 17:51:06 · 9 answers · asked by lovetoread72 1

getting e mails is it a scam?did anybody receve money? what do i have to do to qualyfy?

2007-08-14 17:44:03 · 3 answers · asked by cookie 2

For the four years we were together, I lent him money, and occasionally, he'd pay it back. When we moved out of state, I put him under my credit and let him use the card with his name so that he could buy things he needed. however, he racked up the credit card, and left me owing $2400. I've been struggling to make the payments every month, and now with school starting, I can barely pay as it is.
He answered my emails (ie= myspace) that he would pay it back, but it's been a year and nothing. He moved back to CA, and I am now in Texas. WTH do I do??

2007-08-14 17:02:16 · 11 answers · asked by Anonymous

2007-08-14 16:06:53 · 4 answers · asked by thewillprince 2