Personal Finance - October 2007

So, let's say you have a fatal disease and know you do not have much time left. You cannot get a decent life insurance policy because of your health condition. If banks/credit companies cannot access your medical info, what stops you from incurring a ton of debt buying things for your loved ones? Assume you have no assets.

2007-10-30 06:30:27 · 9 answers · asked by acage123 3

2007-10-30 06:08:50 · 3 answers · asked by sanp7777 1

i've been on disablity since 1999, and i find that i have to earn some money now andi just wanted to know how much i could earn before they took away my disability.

2007-10-30 05:27:22 · 3 answers · asked by desport_of_entry 1

2007-10-30 05:26:13 · 12 answers · asked by bigbadjohnland 1

If you dont file for bankruptcy but also dont pay the debt is ur credit rating still going to be bad? example: am in debt of £6,000 for 6 years now but have contacted them & keep getting letters, is ma credit bad now? will it be worser if i file for bankruptcy? or same as now? is it worth filing for bankruptcy? shall i just keep ignoring the credit angencies? im not going to get a card , loan or anything like that in the future so shud i just keep ignoring them? but at the moment can i still take a card? as i have file for bankruoptcy but also not got back to the collectors?

2007-10-30 05:26:11 · 11 answers · asked by Anonymous

I heard that if you gave sufficiant notice and quit your job you can still apply for unemployment. Also, I heard you could apply online, I can't find anything about it. Does anyone know anything about this??

2007-10-30 05:05:29 · 7 answers · asked by Sarah S 3

I'll be graduating this summer with about $17k in student loan debt. I've accumulated about $3k in savings so far, and I'm hoping to save another $3k for by the time I graduate (I work full time and still live at home).
My question is what's the best way to approach the loan debt? First, none of my loans are consolidated yet. All but one $3500 loan is subsidized. Finally, I'd like to move out of mom's basement sometime in the next six months.
Given that, should I look into consolidation? Should I dump a chunk of my savings into the loans to pay them down quickly? Should I jsut stick with the minimum monthly payments and save my pennies?

2007-10-30 04:52:03 · 5 answers · asked by TooMuch 4

My main question is about making the first move when it comes to the money request. Should I speak up first with my money request, or should I have my boss take the lead and suggest what they are willing to give? Based on the research I've done, some say that you should state your amount and then leave it up to the company to counter-offer. Other sources say that it's tacky to not let the company make the first move.

I have all my backup information in order to prove my worth for my requested amount, so I don't really need help with that. I'm mostly just concerned with this one item.

Please don't just state one way or another--please tell me why you feel that way.

Thanks!

2007-10-30 04:41:23 · 4 answers · asked by raspberrytart 4

Answers that a normal person can understand please

2007-10-30 03:55:02 · 6 answers · asked by Irish816 3

I am about $500 in debt. All which comes from different companies. I owe the electric company, gas company, IRS, and the bank. $500 is not bad considering there are people who owe thousands. But as we all know this amount will grow over time once the accounts incur late fees and collections charges. I just want to know how do I bring it all together as one bill a pay it off so no charges are added.

2007-10-30 03:43:35 · 2 answers · asked by Anonymous

Or does the 15,500 included both the 401k and the Roth? Thanks!

2007-10-30 01:21:05 · 4 answers · asked by jwils509 3

and support 2 kids?

2007-10-29 20:37:53 · 5 answers · asked by Anonymous

hard earned money are valued and expenditures are prioritize, so how do you define your spending habits...

2007-10-29 19:43:12 · 4 answers · asked by Samantha L 2

Ive Always Wanted To Know If You Worked 0 Hrs During A Pay Period And Your Check Was $0 Would They Actually Print You Out A Check And Or If You Have Direct Deposit Would They Make A Transaction/ Deposit For $0.

2007-10-29 19:42:39 · 10 answers · asked by Anonymous

2007-10-29 18:50:34 · 3 answers · asked by paul n 2

I got notice from Social Security today that I was overpaid in 2006. Now, they want their money back. Within 30 days. Over 6 grand.

Wow! What a hit to the solar plexis! "We made a mistake, so pay it back. Right now."
If I don't pay it, they will simply stop sending me any checks for the next 7 months.

I am not good with finances. But my husband is. And we have an accountant who makes out our tax forms every year. And then, there's the SS office itself who helped me get my benefits started. Don't you think one of them would have noticed that a mistake had been made?

I've been sick over this all day. How can the folks who run SS sleep at night? They sure know how to hurt.

Now, my question... we sold our home and made about $75,000 profit this year. We are now both over 65. Will SS come at us again next year, to make me pay back what they paid me this year, because of this income? If they do, we won't be able to survive. All we will have to live on is our SS

2007-10-29 16:36:52 · 7 answers · asked by kiwi 7

This is a long question, hope someone can answer.

OK, so I'm 14 and in the 9th grade. Ever since I've been in preschool, I've gone to a Christian school all my life, up until this year. This is the same for my 12 year old sister. Not this school year, but the past, my parents got divorced, and my mom suffered a few financial difficulties. We moved out of our house and put it up for sale, and, unknown to us, my mom told the school she'd pay the year's tuition off at the end of the year with the money we'd get from selling the house. Well, what do you know, the house didn't sell. My mom is now in debt of 7,000 dollars to the school and we're going to a public school this year. Going to this school just flat out sucks. I have no friends, I'm barely social, and it has caused my sister and I some emotional problems (i.e. seperation anxiety, on/off depression).

I'll be adding more, please don't answer until you've read it all.

2007-10-29 14:56:05 · 4 answers · asked by Adam 1

I am a Field Service Engineer. I make around 55K/year with 3 years of experience. Friends that graduated in the same class make around 60K+. My questions is the following. My employer pays me a low 42K base salary the 13K left is dived into 2 bonuses plus Overtime. so, for example I can make around 3K is OT and the 10K left is divided. 2/3 (6700) in March and 1/3 (3300) in September. Older engineers tell me they make the same as me in Base salary and I know it is true. They make more bonus money eg. 20K 40K 60K divided into 2 bonuses.

Is this fair? for the employer to hold our money and I guess invest it or do whatever they want with it? Plus if you screw up during the year they can lower your bonus because they consider it a gift. Can I place a complain on through the government? I don't want to be making 80K and live check by check just because my employer decides to hold my salary.

Thank You

P.S.
Older engineers hate the system as well.

2007-10-29 14:50:29 · 2 answers · asked by FrankyBoy_1 1

My soon-to-be hubby and I have collect a lot of debt over the years. Mostly foolish spending habits we had when we were old enough to get credit but still to young to understand the impact it would have as we get older.

Now my question is should we try to get out of debt by ourselves or do we seek outside help. well part 2 of that question is there outside help? something like a get out of debt and plan for your future guy.

Now what are pro and cons of DIY or a planner?

2007-10-29 14:35:07 · 11 answers · asked by the_lovely_holly_golightly 2

2007-10-29 14:00:08 · 2 answers · asked by JASON B 1

I have a 14 years old daughter, in five years she will be attending college. what kind of savings investment can i make for her now?

2007-10-29 13:44:58 · 2 answers · asked by sims 1

I am trying to catch up all my debt after being unemployed for a lengthy time(lay off). I have been getting calls from third party debt collectors. I do not not do business with 3rd parties. Isn't it my right to deal with the company I owe money to directly instead of dealing with these low lifes?

2007-10-29 13:33:29 · 6 answers · asked by rustychiefs 2

2007-10-29 13:14:22 · 7 answers · asked by dweed1503 2

2007-10-29 12:49:22 · 11 answers · asked by Angyles 2

In the united states..

2007-10-29 12:42:12 · 5 answers · asked by Anonymous

Will I avoid the penalty tax and just pay the federal/state taxes on the portion that was cashed out?

2007-10-29 12:30:37 · 8 answers · asked by Murry 2

2007-10-29 12:19:17 · 8 answers · asked by Anonymous

Low = ?$
Middle= ?$
High = ?$
If a state is required then let say NY

2007-10-29 11:59:43 · 3 answers · asked by Anonymous

I got to pay someone back on the internet using my credit card. I cant use paypal(for complicated matters). What are some other ways that Im able to pay the person back?

2007-10-29 11:59:17 · 2 answers · asked by hui 1

2007-10-29 11:55:16 · 5 answers · asked by Anonymous