Personal Finance - September 2007

Especially in college. I don't know were it seems to be going. It is like I have the same amount coming in as going out. I really need a new car and I have 3 grand saved, but that is no were near enough money. What should I do? try getting a new job? work a second job? They only let me work about 25-30 hrs a week at my current job. I just really need a good steady income somehow.

2007-09-20 19:47:35 · 11 answers · asked by Coma White 5

We have been successful in challanging the NHS that they inappropriatly charged my grandmother for nursing care. We have been told we can claim £18,000 if we can prove she paid. The last cheque written from it was 8 years ago. We have contacted Barclays with her address and sort code but they cant track it. We have asked the nursing home but they do not have the records. Please can someone offer me a solution.

2007-09-20 19:38:51 · 5 answers · asked by Welshblade1 2

My husband in the AF (tech school right now) but I am not living with him, We are really behind in debt and I wanted him to look into talking to someone on base about possible bankruptcy or just financial counseling since it would be cheaper than hiring someone here. Someone on base told him not to talk to anyone because if anyone knew he had financial hardships, he would be discharged, but I have no clue if this information is correct. I would think it would be better to get it out in the open since they would find out if we declared bankruptcy but I don't want to get him into trouble just for asking random possible questions. Also it might show that we are trying to deal with it instead of ignoring it. It would also be easier for him to talk to someone there since people here might not know how to deal with the military and bankruptcy at the same time.

2007-09-20 17:31:21 · 7 answers · asked by Sarah 1234 2

He wants to give me it because i could have a fresh start ad rebuild my credit.....it was my sister who bombed my credit she had her car repoed that wasunder my name ...im good with credit cards i have zero balances on each i just want a fresh start and i wont cousign for anyone ll keep it in good standing ...whats so bad about it its his ssn he wants me to have it and ill keep it in good standing.

2007-09-20 15:55:08 · 27 answers · asked by Samuel 1

And are you comfortable they aren't going to go under with the credit crunch?

The BoE has already indicated it won't be saving all banks that hit trouble... and rumours are circulating which send shivers amongst one or two big name banks - it would be a right downer to lose your life savings overnight.

2007-09-20 15:40:24 · 7 answers · asked by Narky 5

I have $45K. I can either pay off the boat (a quickly depreciating asset) which is currently mortgaged at 7%, or I can invest the $45K and earn 9% over the same period (5 years). Which option should I choose?

The interest on the boat loan is being deducted as a second home.

It seems obvious to me that it is better to invest the money, take the write off, and keep the difference, but I want to make sure.

2007-09-20 15:05:06 · 7 answers · asked by wwwwizard 1

I'm getting ready to pay for something with a Bill-Me-Later account, but apparently you can't pay the bill with a credit card, so I was just wondering if there was any way to shift the balance somehow to my credit card. Thanks!

2007-09-20 13:54:42 · 2 answers · asked by NS3458 1

I have been at my job for 9 yrs. Recently I got another offer at another company making 3000 dollars more per year. I would like to stay at my current company so I asked them to match this offer. They said they would not so I put in my 2 weeks notice. I honestly do not want to quit but I feel very unappreciated my a company I have worked so hard for to let me go over 3000 dollars/year. It's not even about money, I just want to feel wanted there. Am I being ridiculous?

2007-09-20 13:29:56 · 6 answers · asked by mrsleslie_lady 3

I have been putting away 20% of my pay in my 401k and just received a bonus check that maxed out my 401k ($15,500) for the 2007 tax year. Does this mean that I have to change my contribution amount to 0% for the remainder of the year. Obviously if I do this I will not get the company match but I am worried that there a penalty for contributing beyond the max limit?
Thanks!

2007-09-20 13:29:43 · 6 answers · asked by msp76 1

I just paid all of my bills and the total was $506.50 for the month...I just paid the basic bills such as water, gas, electric, cable and tv
Which does not include my car note, insurance and credit card payments...What does everyone else usually average out each month?

2007-09-20 12:22:14 · 3 answers · asked by ~Mommy*of*3~ 3

Today I found out that I have been a victim of debit card fraud, £131 was spent at UK-Carpets-Direct (online)and £8.00 to CC London - where ever that is, I live in Cumbria.

Barclays my bank have blocked that card - etc.. But they didn't seem that interested, I hardly use card machines, I only purchase from big online retailers like Amazon, so I don't how I've been done...Does anyone know how they could have got my card information? Anyone else been a victim of card fraud?

2007-09-20 12:07:33 · 15 answers · asked by Anonymous

Just purchased first home, have two children. Wife and I both work full time. Payments on House (variable double mtg: big mistake); payments on wife's car, my car, etc., etc.

Question: Should I give my car back which is leased with $12,00 left on lease? Just can't afford it. Mistake to sign a lease. Now I know. Need my credit to refinance the variable double mtg next year.!! We have no cc debt, just two cars, new purchase of 1st house, car insurance, health ins., and all that goes along with it, but barely have enough to pay bills. Need to get rid of the lease on car. Is that the smartest move?

2007-09-20 11:57:00 · 6 answers · asked by classicfiftys 1

I am in serious debt and rising because, I am a student, I want to pay off my bills, I just do not have the money needed to do so. My credit score is horriable I can not live like this! What can I do?

2007-09-20 11:44:13 · 4 answers · asked by Anonymous

Bank of America has a overdraft policy where they deduct funds out of your account by the size of the charge and not the order they actually came in. So, let's say you make 3 purchases in one day using your debit card(but you charge it as credit) for the amounts of 10$, $4 and $3. Let's also say you have only $7 in your account. So instead of doing what makes sense, taking out the $4 & $3 before the $10 (which would generate only one overdraft fee); they instead take out the $10 first (which ends up generating 2 overdraft fees).
I contacted a Bank of America representative about this to ask for a refund (which of course was denied) then I told him I was going to make a complaint to the BBB, to only be told filing a complaint with them would be pointless. Well, I did, and I ended up getting my overdraft fees refunded. Bank of America sent back a fancy response to me about overdrafts, but not once in that letter did they answer my questions about overdrafts. Should they be sued?

2007-09-20 11:38:25 · 6 answers · asked by p0werm4n 1

2007-09-20 11:16:10 · 2 answers · asked by bridgette e 1

my mom passed away and she had a 401k thru kaiser where she worked for 10 years. before that she work at whitter pres hospital for like 15 years. how can i find out if she had a 401k plan thru them as well? and can i combine the two?

2007-09-20 11:15:12 · 2 answers · asked by jesicka 2

How many do you have? and what do you use them for?

I 3 checking accounts with 3 different banks and am undecided on which one to close- if any.

I just wanted to know on average how many do people have and why?

2007-09-20 11:03:19 · 4 answers · asked by K.C. 5

Where were you when used mobile banking? What transaction did you make? How did it come help you. Thanks. I'm a grad student researching how technology changes are having an effect on everyday life on a granular level.

2007-09-20 11:00:44 · 1 answers · asked by JimmyBro 1

How can one save and pay the bills too.

2007-09-20 10:57:40 · 9 answers · asked by doug g 7

I love ING direct, but I just noticed that the APR went down to 4.3, and HSBC is offering 5.05%....worth it to switch over for the extra interest? I love ING direct's service and knowing that it only takes like 2 days to get money when I need it...but I'm poor and trying to earn as much as I can, so does anyone have any advice? :)

2007-09-20 10:41:21 · 5 answers · asked by Ella 3

Right now I do not have any money in my account. I have utility bills to pay that are late, a car payment, student loan payment and unfortunately I have fallen into the PayDay Advance Trap and I have a few of those due next week. I am in need of about $2000. I have been declined for a personal signture loan. What can I do or is there someone out there that could help me out? Please help.

2007-09-20 09:28:15 · 9 answers · asked by Anonymous

I've been seeing a lot of those work from home ads, some are about filling out surveys and others are actual job titles that say they are willing to train online. Does anyone have any first hand experience with these types of jobs and is it really worth it?

2007-09-20 09:03:34 · 8 answers · asked by SunshineT 2

i haved paied all my bills on time and i have a checking and savings account. iv been at my current job for 30 months and i have never made a late payment. im a student and i work part time making about 150 a week. should i apply for the amex or should i wait?

2007-09-20 09:03:07 · 7 answers · asked by N8 2

The bank is Lloyds TSB.
I have no contact with the former lodger.

2007-09-20 08:57:17 · 3 answers · asked by sharifjunaid 3

Thanks!!!

2007-09-20 08:37:38 · 7 answers · asked by whattodo 1

2007-09-20 08:32:32 · 3 answers · asked by Anonymous

I have good credit with the exception of a couple of 30 day lates earlier this year. I am going through a divorce, and can forsee finances changing greatly. I'd like to salvage my good credit rateing if at all possible. I am considering a chpt. 13, or just trying to stay strong eventhough I will endure many 30 day lates. What route should I take? Please help.

2007-09-20 08:02:51 · 8 answers · asked by sunshine 3

to me please help i need some good advice

2007-09-20 07:17:34 · 5 answers · asked by Anonymous

I am a 33, single, never been married, and he is 40, divorced, has 4 kids and his ex-wife is deceased. We both work full time and make a decent living and have our own checking, savings and 401k's. He owns a home and a few rental properties in NC. I rent an apt in NC and I own a rental property in NJ. When we get married, how much should I contribute to the household account for the mortgage, utilities, and general savings for the household needs. Any advice would be appreciated!

2007-09-20 06:55:28 · 8 answers · asked by Karen D 1

2007-09-20 06:48:10 · 2 answers · asked by demon j 1