Personal Finance - August 2007

i don't own a credit card, but i have a checking account. Will my credit score be affected since i've deleberately closed my account and they can't get money from me again? i DON'T have a CREDIT CARD so how will this affect me in the longrun?
PS THEY WON';T LET ME CANCEL THE CONTRACT.

2007-08-08 08:52:54 · 5 answers · asked by divalicous 2

I made a check for my brother and I didnt relize that I didnt have enouph in my bank account. He said he already cash it. So I think he got the money. Who would that effect me or him. Would my account bounce the check if he already cash it?

2007-08-08 08:52:25 · 21 answers · asked by cmm14513 2

I am 13 and I need to get like $200 in 2 weeks how can I get that? Its really important

2007-08-08 08:39:29 · 15 answers · asked by love sucks 1

HERE IS THE QUESTION HAD HURRICANE DESTROY HOME IN 2004. INSURANCE CO. DIDN'T GIVE US ENOUGH MONEY SO HAD TO MORTGAGE FIVE ACRE'S TO GET MANUFACTURED HOME, THEN MOTHER MOVE ON LAND AFTER SHE BOUGHT HER MANUFACTURED HOME THAT ONE IS PAID IN FULL, HAD TO GET A SECOND MORTGAGE WHEN SHE GOT IN TROUBLE WITH MONEY, PAYMENTS ARE 287.00 AN 317.00 A MONTH / I HAVE NO JOB AT MOMENT / NEED TO PAY THESE OFF / I AM 53. MOTHER IS 80. BAD CREDIT BUT OWN FIVE ACRE'S 49,000.00 IS LOAN PAY OFF . EVEN IF NEED TO SIGN PAPERS WHEN ME AN MOTHER PASS AWAY COMPANY CAN TAKE ALL. NEED NAME OF COMPANY AN NUMBER NEED HELP FAST PLEASE. LAND IS WORTH BETWEEN $150,000.00 AN $300,000.00

2007-08-08 08:35:29 · 4 answers · asked by AL 1

My friend just got fired today, and we thought about him applying for unemployment, just till he can get back to work, and not get too behind on his bills. I went to the offical site online, but they way they word stuff i dont really understand what he has to do. Is there an amount of time he has to wait before he can apply? and how do they decide how much youre going to be able to receive during the time youre on unemployment? can you apply directly online or do you have to download/print out the forms and mail them in? any info y'all could share so i can help him understand what to do would be great he has never had to file for unemployment and neither have i so neither of us really has a clue other than that im pretty sure he will qualify. thanks in advance :) pIeCeZ!!!

2007-08-08 08:26:56 · 6 answers · asked by pocket_full_O_posies 2

I know we would be eligiable for medicaid but I woud still need his benifits in order to keep my house and pay my bills.

2007-08-08 08:18:35 · 2 answers · asked by singscale 2

My company allows me to choose how much of my 401k money is allocated to the following funds:

Aim Funds High Yield Fund (HYINX)
Loan Fund (LOAN)
Scudder Growth & Income Fund (SCDGX)
Vanguard Index 500 Fund (VFINX)
Wells Fargo Emerging Markets (MFFAX)
Westwood Balanced Fund (WEBAX)
Westwood Equity Fund (WESWX)
Leggette & Company Stock (LAC)
Columbia Intermediate Bond (SRBFX)
First Eagle Overseas Fund (SGOVX)
Founders Growth Fund (FRGRX)
Loomis Sayles Bond Fund (LSB1Z)
Ml International Value I (MAIVX)
Neuberger Berman Genesis Fund (NBGNX)
Old Mutual Emerging Growth Fund (OBEHX)
Schwab Institutional Cash Fund (SWIXX)

I'm 22 years old, so I have quite some time before I plan to retire. I understand that I should choose an aggressive mix, but how do I know what's "aggressive?"

What percentages would you recommend choosing for each fund?

I'd really appreciate both general guidelines and specific recommendations...

2007-08-08 08:10:14 · 3 answers · asked by Anonymous

I need to send somebody a PayPal certificate, but I'd have to make a deposit into my PayPal account first . Can I somehow make a quick and easy deposit into my PayPal account ?

2007-08-08 07:54:57 · 4 answers · asked by I_hate_being_single 3

I need ten grand to pay off some medical bills. I injured my knee at work. I only been there 2 months and i don't get my benfits until another 4 months. I'm out of work for the next 3 weeks. Is there anyone who can help me.

2007-08-08 07:13:48 · 14 answers · asked by ccqueen94 1

2007-08-08 07:08:52 · 6 answers · asked by Anonymous

I would like to open an online checking account that is free - charges no monthly maitenance fee. Also I'm looking for this online checking account to be able to be opened and maintained online only, meaning, no need to go into an actual bank local to open up and maintain the account. NetBank is a really good one and I already have a checking account with them, but they charge me an $8.00 monthly maintenace fee and so I'd like to see if there's a bank available that offers totally free checking and with the other requirements I mentioned above.

2007-08-08 07:04:23 · 5 answers · asked by newmommie 1

I really really want one!

Also I need a savings account!


I am 13 by the way.

2007-08-08 06:49:23 · 8 answers · asked by Anonymous

I need money, I need a car, I have a new granddaughter and need more money.

2007-08-08 06:28:21 · 9 answers · asked by kapow 1

I was told that FDIC insurance coverage does not truely cover 100k per account and in the case of severe economic failure its really only 16 or 17 cents on the dollar... does anyone know where i can find this information... Thank you

2007-08-08 05:09:57 · 3 answers · asked by Paul S 1

HOW LONG WILL IT TAKE A CHECK TO CLEAR AND BE IN MY ACCT IF THE PERSON WHO WROTE IT BANKS AT THE SAME BANK THAT I DO.

2007-08-08 04:39:34 · 5 answers · asked by Anonymous

I am so ticked and trying to take care of this. How in the world does the bank let a dead debit card # process a charge ????????????? to a new acct ?

2007-08-08 03:47:57 · 2 answers · asked by I Love Jesus 5

I am a solvent, stable, well-employed, credit-worthy individual. I bought a house 7 years ago which has more than doubled in value due to the market I'm in and of course, location-location-location. I have about $10k of debt (credit cards, automobile). To further increase the value of my home, I want to renovate my kitchen and bathrooms to the tune of about $16,000. Here's my big question: I've applied and been approved for a $30k home equity loan to finance the renovations and pay off the auto and credit card debt. Am I turning down the wrong road? Am I asking for trouble? I really, really hate debt. My home mortgage is [was] low and now I'm adding back another $30k.

I opted for the home equity loan vs. line of credit so that I got a fixed interested rate, which was important to me. I will pay off the home equity loan long before the term is up.

The return on the improvements will definitely more than double my investment in upgrading. Is this the right thing to do?

2007-08-08 03:21:38 · 11 answers · asked by ? 3

how to pay your bills with charter.com

2007-08-08 02:51:44 · 3 answers · asked by Anonymous

Loan has 6% interest first year and 5% for the years following. Can take as long as 15 years, if necessary.
Is it smarter to maybe max 401k to employer contribution and only put half of max amount in IRA? Then, use the money not put in the IRA to pay off the loan much faster...

2007-08-08 02:45:58 · 6 answers · asked by fennellk927 2

I will be receiving a bonus at work that will be worth about $5000...My plan was was to put $2000 into my savings account and then use the other $3000 to pay off credit cards. I have $3200 on one card, $2700 on another, $600 on another and $2600 on another...My goal was to pay $500 on the $600 card....$1000 to pay off a car...and then use the remaining $1500 to pay on the highest interst card...the $3200 card.

Should I pay things this way or should I not put so much in savings and then pay more on the cards?

I will also be receiving another $8000 bonus in February in which I would again put $2000 in savings and use the remaining $6000 for the cards.

2007-08-08 02:40:25 · 29 answers · asked by trackman716d 1

2007-08-07 19:41:14 · 2 answers · asked by aditya 1

I really want my cell phone reconnected and i want it reconnected before my friends birthday because shes getting a cell for her b-day and we wanna talk on our cells to each other but i dont have enough money to get mine reconnected. thats why i NEED $646.70 to get my cell off the plan but then ill need more to put it on a different plan with a different company
BELL SUCKS ***

2007-08-07 19:39:59 · 11 answers · asked by Mzz. Johnson 1

2007-08-07 16:28:29 · 6 answers · asked by Anonymous

I get paid twice a month and I bring home about 900$ every two weeks and it seems that after I pay all my bills I only have 200$ to spend for things like groceries and gas and it seems as soon as I get paid it is pretty much all gone by the next paycheck, I was thinking of maybe getting a part time job but if there is another way around I would like to know?

2007-08-07 16:07:51 · 9 answers · asked by cwhues23 1

2007-08-07 16:01:02 · 4 answers · asked by WangoTang0 1

I need help figuring this out!

I want to start saving some money because my husband and I are wanting to start a family in the next couple of years.
I want to open up an account that lets me save money, but since I do not make tons of money I need to be able to get my money if I NEED it! I am not planning on taking money out of the account all of the time......but when I do start my family I want to use the money for all of the baby needs, and so on.
So, I need an account where I can save my money, but I also need to have a access to it if I need it!!! I DO NOT want one of those accounts that lets you only take out 1000 per time..for example!

2007-08-07 15:55:24 · 3 answers · asked by Nicole S 1

poor people dream of being rich, vacations etc.. what about the wealthy?

2007-08-07 14:52:26 · 7 answers · asked by Marco 3

I think a person my best friend is dating is after her money. He's claiming that he's worth lots of money but I think differently.

Please help.

2007-08-07 14:38:10 · 7 answers · asked by LM 1

I have a checking account, BUT I want to start saving a little extra money for a few things...like starting a baby fund....having a vacation fund, and just having an extra emergency stash!

Anyways, I think I should just open up another checking account, so that I have access to my extra money when I want it....I though about opening up a savings account, but they have to many restrictions, and its more complicated to use your money??

Is this a good idea?

2007-08-07 14:28:25 · 8 answers · asked by Nicole S 1

The USA...land of the (supposed) rich...home of the most people in debt. :)

2007-08-07 13:07:03 · 9 answers · asked by ? 6