Personal Finance - September 2007

I want to track my personal income and spending, as well as have some basic business functionality for my home business. I don't want to spend $300 for Quickbooks though.

2007-09-04 11:49:43 · 2 answers · asked by Sin City Creative 1

ok,so im about to get a job,and make alot of money.So i wanna spend the rest of my money,i got $41,what should i get,or should i just save it?

2007-09-04 11:29:36 · 10 answers · asked by kr3wman21 2

2007-09-04 11:19:30 · 6 answers · asked by not sure 1

2007-09-04 10:08:41 · 5 answers · asked by J.L.K. 2

Our credit scores are only in the mid 600's. Our business has been open in Idaho for 1 year now. Previously we owned a business for 13 years in another state, same line of work. We have owned our home for 19 months. We paid 71,000 and now fair market value places it at 150,000 to 190,000. We would like a line of credit for 140,000 to consolidate debt and finish remodeling our house. An appraisal would need to be drive by only because we have exposed walls inside. We are trying to bring up our credit scores by "opting out" of credit offers and doing some dispute clean up. "Countrywide" seemed to be coming through for us until all of this market stuff started happening. If anyone can give us direction, it would be great. Thanks, Barbara

2007-09-04 10:00:28 · 8 answers · asked by Barbi A 2

I quit my job and have a question regarding my traditional 401k...I would like to transfer my 401k into some type of IRA with fidelity. From my understanding there is a Rollover, Roth, and Traditional IRA available. I need to know the difference between them and which to go with. Will I be able to make contributions to one of these IRAs? My main concern is why would I want to make after-tax contributions to a traditional IRA only to have to pay taxes AGAIN once I withdraw? Can someone clear this up for me? Thanks.

2007-09-04 09:41:40 · 6 answers · asked by commandercoolage 2

Hi--
It's amazing how quickly you can go from livin' phat to flat broke.
My husband and I have $60,000 in home equity mostly from a very large down payment about 6 months ago. And now are about $15,000 in the hole with credit cards at about 10%.
I think taking out a home equity loan (we are 6% on that one) is a good idea, but don't know that much about it. Will it damage credit ratings, etc?
We can pay the bills just fine but don't like the fact that amex owns our azzes.
Any advice greatly appreciated. Thanks!!

2007-09-04 09:34:40 · 8 answers · asked by Anonymous

Iheared about 401k but idon't know how can ienroll .which investment cooperation is good
how much can iinvest?

2007-09-04 09:17:15 · 5 answers · asked by Anonymous

2007-09-04 08:01:50 · 5 answers · asked by priceless797 1

Would you lose all the money in your account if this could happen.

2007-09-04 07:59:46 · 17 answers · asked by Soul Dreamer 1

Right now it is at 9.25% (started out at 6.25%). Serious answers PLEASE!!

2007-09-04 07:14:57 · 5 answers · asked by Anonymous

It has been on my credit for several years. I have disputed it and requested everything down to receipts showing I made the purchase. It is only 400.00 now and wondering how it will affect my credit to suck it up and just pay the darn thing. I don't want it to show as paid bad debt. ANy help?

2007-09-04 06:40:15 · 8 answers · asked by bma4406 1

I am a married male, who's wife does not work. I fund my retirement at work through a 401K plan (by a matched 6% annually). I also have a Roth IRA which I contribute approxiatemately $2000 per year to. I am in the 15% tax bracket.
My mortage is now at $65,000 with at a rate 0f 8%, and have approximate equity of $165,000
I have no credit card or auto loans.

2007-09-04 06:33:13 · 7 answers · asked by j g 1

Hi, I will be getting a check for an auto loan. But the check will not get here in time so I am actually borrowing money from relative to cover this until the loan check comes through. The problem is that the loan check has my name and the dealership's name on it. Can I just deposit the check into my account? Thanks!

2007-09-04 06:30:44 · 5 answers · asked by wjf1973 2

they say, zero percent, and noe its time to take a vacation, or buy all the things I want

should I truest them? or just if they are from a bank that has Trust in the name, it seems like they are trusting me.

2007-09-04 06:19:10 · 2 answers · asked by Anonymous

2007-09-04 06:09:06 · 9 answers · asked by TRU 1

and what creditcards will most likely accept me because i dont want to apply for cards and lower my credit even more.

2007-09-04 05:55:19 · 5 answers · asked by kaci m 1

I want to be able to apply for a grant online without having to pay a fee for processing or delivery.

2007-09-04 05:06:32 · 3 answers · asked by Lisa M 1

I currently make 70k In 2008 my next raise will be 80K. I will pay off all my other bills. My only bills will be reoccurring bills like electric and water.

2007-09-04 04:33:23 · 5 answers · asked by Anonymous

I see all over the internet people mentioning cashing in their 401k early to pay off debt. I just tried to do that exact same thing, yet according to my representative, (who put me on hold to verify with someone else) there is not one single legal way I can cash in my 401k early without qualifying for a Hardship Withdrawal and providing proof from a very limited list of acceptable documents for them to investigate.

Which is the truth here: Have people closed out their 401k early to pay off debt, or is there no legal way to do so?

2007-09-04 04:12:48 · 8 answers · asked by Jen 1

I have about 3K in credit car debit and $3,530.15 left owe on a car. I recently had a CD at the bank come up. Its worth 5k. I'm using about a thousand of it to move and want to put at leaste a thousand in the bank so I have at leaste some money in my savings. I do think I should pay one or the other off.

I have about $1,900 on one with an interest rate of 12%,$911.66 that is @ 0% .

The interest rate on the car is high. What would you do?

2007-09-04 04:07:36 · 10 answers · asked by BS and thats no BS 1

My student loan was approx. $25,000. My payments were over $300 a month. It should've been paid off in 6 years. I was having a difficult time making the monthly payments. I discussed my situation with the loan company over the phone. They suggested that I consolidate my loan to lower the monthly payments. I consolidated it on the computer and electronically signed. They said it would take 30 days for approval and they'd send me a letter with my scheduled payment plan. Well, I received the letter and there is an accumulation of $25,000 interest. So, I'm suppose to pay $25,000 for the loan +$25,000 interest for a total of $50,000. I'll be paying $200 a month for the next 20 years! My loan that should be paid off in 5 years will now take 20 years to pay. I need to call the loan company and talk to them, but I'm not sure what to say. Any suggestions what I should do?

2007-09-04 04:04:46 · 5 answers · asked by ☆skyblue 7

These are the two companies my employer gave me to choose from for my pension plan. I would like to know which one would be the best. I read the paperwork but I am still unclear. I need some help. Thank you

2007-09-04 04:04:35 · 8 answers · asked by clij24 2

Can we sue the CC company for contacting in-laws, and giving them my social security numbers and stuff. No idea how they got their numbers, even I dont have their number... If its a possibility then how can I do that, how expensive is it? currently I owe then around 16K.

Thanks

2007-09-04 03:54:46 · 5 answers · asked by Sib10 1

a pal of mine has just spent 145ounds on an item on ebay, almost two weeks ago, and still hasnt heard a thing from the seller. He's left mgs with the seller but to no avail. The money has been taken from his account as well. Whats the next move for him as I've never even been on there......x.

2007-09-04 03:04:28 · 14 answers · asked by Anonymous

2007-09-04 01:01:49 · 9 answers · asked by Dawn L 1

I have JUST RECEVIED A CHEQUE BUT THE PAYEE NAME HAS BEEN PUT AS LAURA INSTEAD OF LORNA.
WILL HSBC STILL LET ME CASH IT?
WHAT HAPPENS IF I PAY IT IN THEN THEY WONT CLEAR IT- WOULD I GET CHARGED?

2007-09-04 00:59:07 · 8 answers · asked by lornalmnopqr 2

2007-09-03 23:26:31 · 6 answers · asked by Anonymous

2007-09-03 19:43:05 · 6 answers · asked by Vick (Philadelphia Phreedom) 6

i just got a rebate check on saturday but it came late and sunday the bank was closed and today becuase of laber day weekend the question is i waswondering can i cash this check at any bank that my own bank i need help please

2007-09-03 19:17:43 · 5 answers · asked by Anonymous