Personal Finance - September 2007

if I am planning to start saving $850.00 a month, into a savings account, which would give me more money over say a year or two; an account that compounds daily or monthly? And, any suggestions of whom I can start saving with? Or, would it be wiser to save up and invest the minimum required for a money market account? The reason I am so interested is I am a single parent and trying to save up for a home, the more you can pay down, the lower the monthly payments will be, and hopefully the better the home I can afford.

2007-09-08 18:05:10 · 6 answers · asked by perfumeholic 1

I have 5 outstanding collections. ranging from $600 to 4000 ($649,760,1074,1124,3114) and a student loan that doesn't hit till 2012. I am expecting my first child, a juinor in college and want to buy I home soon. I think two years should be enought time to get ready. I looking for resources (people to talk to to get my credit report in shape and what I should be doing to prepare)

2007-09-08 17:16:36 · 11 answers · asked by Nik-Nik 1

I opened a bank account and they asked me if I wanted to credit card said "sure" but now I regret it...

It said I have a "$500.00 credit limit"

and

Interest and Grace period:

Interest is calculated at an annual rate of 19.75%, the equivalent daily interest rate is 0.054110% but then it says
"You lose your interest free status if we do not receive full payment by payment due date. "

what? What does this all mean? Is it a good deal or am I being ripped of?

thanks in advance.

2007-09-08 15:49:33 · 11 answers · asked by Anonymous

or in what state(s) that U can get the most bang out of your salary,after taxes,inflation and what not.

2007-09-08 15:31:06 · 1 answers · asked by Anonymous

Need to find a program which I can do at home with low to no start up cost.

2007-09-08 14:18:27 · 11 answers · asked by SENIOR CITIZEN 1

I have found a car for $3000, with a GOOD CREDIT co-signer my payments would be under $100 per month. Check it yourself at Atchleyford.com then go to cars under $100 per month, it's the green Ford Taurus at $2990. BUT I can't find a co-signer, as my family lives out of the country. I need a car DESPERATELY. I need to get Autistic son to & from school, Elderly mother to doctors appointments etc. and not spending $20 on a cab to the grocery 4 times a month would be helpful as well. All this walking is killing me, I have severe arthritis myself. Does anybody know where I can get a loan with "decent" rates or a co-signer. Thank you all so much

2007-09-08 13:55:56 · 9 answers · asked by Anonymous

i live in NY.
its credit card debt.

2007-09-08 13:42:12 · 7 answers · asked by Anonymous

I have a dream to own an airline compand & i need money to buy a 747. anybody have advise?

2007-09-08 13:26:39 · 4 answers · asked by Anonymous

2007-09-08 13:22:38 · 3 answers · asked by Anonymous

Hi,

I'm a student returning to University next month. To save cash this year, I plan to be a real cheapskate. I'm just looking for recommendations of cheap and easy meals and web links etc. I'm just looking for some snack ideas and for some main meal ideas for seven days of the week
thanks

2007-09-08 13:19:25 · 12 answers · asked by Anonymous

If a fico score looked like Trans 540 Experian 520 Equifax 560

If I was trying to buy a condo for $93,900.00 would this be possible? What would be the best way? First time homeowner

2007-09-08 13:02:00 · 8 answers · asked by ignyte 2

I don't know what that would be in Euro despite the fact I'm from Ireland.
Basically would you cut off your own hand in exchange for that much money?

2007-09-08 12:57:20 · 22 answers · asked by Anonymous

We have a 5 year fixed at 5.25% on the first and 8% fixed on the second. Our first loan amount is $358, 400 and the second is $100,000.

The 1st will adjust in March 2010. The Margin is 2.250. The Periodic Rate Cap is 2.000 and the Lifetime Rate Cap is 6.000.

How can I figure out how much my monthly loan amount is going to be, assuming the interest rate adjusts to the max? And how often will it adjust?

We are not so worried about the second, since it is fixed for 10 years.

Thanks

2007-09-08 12:19:02 · 1 answers · asked by D G 2

Item sold on ebay. Buyer pays with paypal. I shipped the item to paypal confirmed address. 3 days later paypal put hold on funds and started investigation (Fraud credit card used?). Buyer receives item. Paypal reversed money. Buyer doesn't reply. I sent via USPS insured. return signature received. Items was delivered to a different addresses then actually where I sent. (Forwarding address?). In my return receipt I don't have full address I only have city, state and zip code. Item was shipped to Brown Deer, WI 53223, it was delivered to Matteson, IL 60443. USPS doesn't give me complete address of delivery. What should I do? If I file complaint with IC3 and local police would they help solve this. Does anyone has experience in situation like this?
Thanks.

2007-09-08 10:57:57 · 6 answers · asked by __HELLO__ 2

I deposited a paycheck into my checking account yesterday and it's been almost 24 hours, but it's still not available for me to spend. This is the first time I've deposited into a checking account and I'm just wondering how long I have to wait until I have the money on my available balance.

2007-09-08 10:16:54 · 6 answers · asked by haleyh13 2

2007-09-08 10:14:14 · 4 answers · asked by chelle_n_ga 1

Are you able to take money out of a debit card even if you have none in it? Can it just change into one of your debts?

2007-09-08 10:05:35 · 4 answers · asked by Anonymous

Heres the thing, i work at the zoo, making 5 dollars an hour, i get paid in cash, and well it sucks! Or i can find a way to work but make more.. Please help me..

2007-09-08 09:45:33 · 5 answers · asked by CuriousLife11 1

I have a credit score of 710 or so. I have 2 other C.C. one with a 1200 credit limit, the other 15K. I do have a lot of debt compared to income though. Can I ask them for a credit limit increase after i get the card. What are the chances they will give it to me?

2007-09-08 09:35:47 · 2 answers · asked by V for Vendetta 1

Asking reguarding kentucky law, I have had a vehicle repossessed that was only 35 days late and had about 27,000 dollars of personal property in it (tools, ect). Does the repossession company or the bank have the right to keep these?

2007-09-08 08:20:14 · 6 answers · asked by glynnpar29 1

I need help making money. I need lots of money by the 14th because a girl wanted me to ask her to a school dance so i did but now i have no more money after i bought the ticket to buy more clothes I NEED HELP ASAP!!

2007-09-08 07:52:37 · 6 answers · asked by Anonymous

2007-09-08 07:36:51 · 3 answers · asked by Anonymous

When i got the Payment Code confirmed e-mail, it said i got new funds i logged into paypal nothing was there so i went back to the e-mail read some more and then it said:

NOTE: This PayPal® payment has been deducted from the buyer's account and has been " APPROVED " but will not be credited to your account until the shipment reference/tracking number is sent to us for shipment verification so as to secure both inequalities (Buyer & Seller) from online fraudulent activities. Below are the necessary information requested before your account will be credited.

You will have to email us the tracking number to the PayPal Customer Care at: info_paylink_shipmentpay@consultant.com
. As soon as we receive the shipment tracking number from you, you will receive a " CONFIRMATION EMAIL" concerning the accreditation of the funds into your PayPal Account and we shall get the funds credited into your PayPal Account within 24 hours.

Is that true or is a scam?

2007-09-08 05:50:32 · 6 answers · asked by David J 2

I accidently ripped like a little less than an inch. :-/ Help?

2007-09-08 05:40:36 · 2 answers · asked by Grace 1

2007-09-08 05:25:30 · 7 answers · asked by michael r 1

i live in san francisco. i just mailed out my overdue paycheck on september 6 around afternoon time. (i did it by dropping it off at my apartment's OUTBOX) i didnt take it to the destination myself because i was too busy. the destination is 2.1 miles (8minutes) from my house. Do you think it got to the destination already? i heard before it gets delivered it has to go through some processes at the post office... ?? today is september 8, did it get there yet??.... serious answer please.

2007-09-08 05:10:14 · 3 answers · asked by Anonymous

2007-09-08 04:46:50 · 4 answers · asked by Anonymous

I keep seeing a guy posting ads offering loans to "all categories of people, firms..." and to almost "any part of the world....bad credit OK.....at low interest rate".....

I wonder could this be a scam? I'm in bad need of money and need loans and this ad sounds appealing, but could it be a scam??

what if they're terrorists' fund or other black money and I got loans from them not knowing their illegal , but anyway I pay off the debt , will I get involved in their crime??
will I be sued??

I don't have bad credit history(actually have no credit history) but have no house to get mortgage too. that's why I resort to this kind of lenders. Could they be scammers? If so, how do they make money?? Or they may just be black money fund?

2007-09-08 04:44:24 · 4 answers · asked by DedB 2

Hey, I need to get a new bank account at a different bank than Security Service bc they are screwing me over big time with all these service fees and monthly fees. Can anyone recommend a nice bank that doesnt have all those fees and that debits your account when you make a purchase instead of when it clears?

2007-09-08 04:26:06 · 4 answers · asked by Francesca O 1

2007-09-08 04:04:40 · 5 answers · asked by supermom 1