Personal Finance - November 2007

I have over $4500 of credit card debt spread out among six different credit institutions as well as a car payment and then the obvious monthly utilities, rent and such. I cannot meet the minimums most months and am falling behind on some. My credit score isnt good enough to get one card to lower my payments. Should I consolidate my debt?

2007-11-12 06:45:16 · 7 answers · asked by eatfood 1

Okay so I contribute to my 401k weekly but I will have some extra money at the end of the year and was wondering if I put it in my Trad IRA will I still get to deduct it?

And yes under normal cirmcumstances I will qualify for the deduction but I was wondering if the money i put into the Tradition IRA account will be pre-tax if I already have a 401k. if not would it be better if I put it into a Roth or is there a way I can just shove the extra cash into my 401k

2007-11-12 06:27:01 · 3 answers · asked by killer_cat_85 1

2007-11-12 06:16:22 · 2 answers · asked by cjr3_175 2

I am not quite 2yrs our of BK and am in immediate need a Personal Installment Loan. I attempted to do payday loans without understanding fully, that the weekly payments were not against principal, but interest. I need to consolidate but are turned down because of my BK (less than two years), and consolidation companies also tell me that my debt is not substational enough to qualify. I make a comfortable salary, however, payday loans interest fees compromise a lump sum weekly. I am on top of the matter, but barley. I do not have a cosigner, so that is not an option. What Companies are available to assist persons like myself?

2007-11-12 06:06:29 · 10 answers · asked by Agape V 1

Do they not like the truth? Do they think that avoiding the obvious will somehow change something? Do they think that if they just don't think about it it will go away?

2007-11-12 05:29:19 · 17 answers · asked by Keep On Trucking 4

hi,
Doing finances in excel, is there anyway of making a button that says PAID and UNPAID then removes the amount in that line from the sum of direct debits?

eg
Sky >click paid>> direct debit line removes sky amount and shows a new total of the others that are still unpaid

2007-11-12 04:50:25 · 2 answers · asked by Anonymous

I just switched over from a Savings Account to a Checking Account. They told me that my debit car should come in in about 14 bsiness days. They only gave me five free checks to use. Those are almost gone. Its been about 3 business days. I have no pocket money. I am running low on gas, minutes for my phone, and other stuff. What do I do? I need to get money. My check is deposited directly into my bank. I need money for gas to get back and forth to work everyday. No body will lend me money either. What am I supposed to do?

2007-11-12 04:47:47 · 13 answers · asked by Brandon G 2

are can you file bankruptcy on a claim-- that you are being sue from a car accident and they want what the car was worth..16,000

2007-11-12 04:43:10 · 5 answers · asked by girl19 1

How much does it cost to file bankruptcy in NC? I have over 20K in debt 8^( I can't survive without bankruptcy or any big help. Any ideas will help. thanx

2007-11-12 04:32:25 · 6 answers · asked by John S 2

We are married in our 40's with a baby. I am stay at home mom and my husband was laid off. We have two homes and no debt aside from mortgages. Should we use our home equity or cash in retirement to make ends meet until we have another income?

2007-11-12 04:25:11 · 3 answers · asked by Kristen A 1

Hi folks. Please help with advise. I have a portfolo of 3 mutual funds in a Traditional IRA and another Roth IRA with 3 similar funds. All are Agressive Growth funds, with a small amount in a balenced fund. I am 34, have about 3 years to go. Total assets is about 60K. I have a hands off advisor who is not watching my stuff. What are the best moves I should make? Out of mutual funds to SP500 Index funds, Overseas funds?, What about EFTs, or SPYdrs? Bonds vs Bond funds? What % weighting should it be if i move? Do I do this myself or get another advisor? Is the total value too small to have any choices? What about induvidual stocks? Comments please.

2007-11-12 04:20:48 · 5 answers · asked by Anonymous

I just talked with my boss this morning. I was not getting paid that amount that we verbally agreed on (please, I know I should have gotten it in writing). I asked him a month ago, and he said I should be getting paid the amount that I expected. However, when I approached him again today, he said "No, thats not what we agreed on." Do you think he could fire me for asking this? I didn't want to make any waves, but what was I supposed to do in that situation?

2007-11-12 04:18:27 · 11 answers · asked by Anonymous

We signed closing documents last week. Now we are waiting for the lender to wire the money to the title company. We closed on a Weds. Now it is Mon. We have been told it could be Weds. before we see our money.

2007-11-12 04:10:15 · 1 answers · asked by jmo 2

How to pay bills when you don't have don't have enough money. Is there any help that you can get? Is there any place that will give you a personal loan if you have poor credit?
Thanks for your help in advance!

2007-11-12 03:19:03 · 10 answers · asked by Anonymous

Here is my tip to you. Watch what you are really spending at the grocery store by looking at the cost per use on the tag. It is little and will read like this 2.2 per ounce, use, pound etc.. It is supposed to be on every tag in the grocery store. This helps me know what I am really paying for the product without guessing from the look/size of the box.

2007-11-12 03:11:09 · 1 answers · asked by Cheneysmiles 2

Is there any company out there that will pay all your bills and let them pay them a monthly amount? I'm in debt and just don't make enough money each month to pay all of my past due amounts and pay all my current bills. Someone told me that there were companys out there that will pay all your debt off and you pay them does anyone know of one? I'm about 15.000 in debt. Need help don't want my credit to get any worse. Can anyone help? Any suggests would be great. Thanks in advance!

2007-11-12 03:01:19 · 3 answers · asked by Anonymous

2007-11-12 02:50:34 · 4 answers · asked by rupsee 1

Yesterday was Veterans day. Will the bank, post office, and trash be delayed today, or not because of yesterday?

2007-11-12 02:39:28 · 6 answers · asked by comfymrschafer 3

2007-11-12 01:45:48 · 9 answers · asked by Anonymous

2007-11-11 23:51:56 · 2 answers · asked by Anonymous

I replied to that email and gave my acc/no. So that they could transfer the money to me frm South africa via NED bank.And they are asking for transfer charges of $2,400.Is this scam or something OR is it really for true??????????

2007-11-11 21:10:40 · 15 answers · asked by Dj 1

and she gave me an instruction how to transfer the account to me,she gave bank of africa email address and she tell me that i request to this bank to transfer the money.when i email to bank,the bank ask me for such documents before transfer it.i'm forwarded the response of the bank to this someone,and she gave me an attorney's email based on her country.when i send a letter to said lawyer,,he ask me for the total amount of 2500euro,he tell me that he use the money for completing the documents required from the bank..we need the opinion if this a certainly a fraud.or networking scam.the someone we tell is a girl and a daugther of one businessman and a depositor of the account and when this person was dead the account was on the name if this girl because she is the beneficiary of this account.but like i said the bank need documents like death certificate of her father..please answer me.

2007-11-11 17:48:25 · 5 answers · asked by allan04_1985 1

would you work anymore?

2007-11-11 15:25:51 · 10 answers · asked by Chris l 1

While I would like to hear from everyone, I'd especially like to hear from Americans and Canadians. Thanks. I have heard averages from anywhere from $1000 to $8000. I'd like to get a sample average to see where the truth lies. Thank you very much!

2007-11-11 14:35:46 · 14 answers · asked by Anonymous

Balance Sheet
As of March 31, 2008

Total
ASSETS
Current Assets
Bank Accounts

Terry Dinh Service Corporation 6,197.00
Total Bank Accounts $6,197.00
Accounts Receivable
Accounts Receivable 0.00
Total Accounts Receivable $0.00
Other Current Assets
Prepaid Insurance 480.00
Total Other Current Assets $480.00
Total Current Assets $6,677.00
Fixed Assets
Computer Equipment
Accumulated Depreciation -2,400.00
Original Cost 6,000.00
Total Computer Equipment $3,600.00
Total Fixed Assets $3,600.00
TOTAL ASSETS $10,277.00
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Accounts Payable
Accounts Payable 0.00
Total Accounts Payable $0.00
Total Current Liabilities $0.00
Total Liabilities $0.00
Equity
Common Stock 1,000.00
Dividends -5,000.00
Income Summary 0.00
Paid in Capital 7,000.00
Retained Earnings 2,532.00
Net Income 4,745.00
Total Equity $10,277.00
TOTAL LIABILITIES AND EQUITY $10,277.00

2007-11-11 14:16:46 · 1 answers · asked by John 1

I want to deposit a large sum of money into a safe deposit box at my bank. Other than not collecting interest, what are some other reasons this would not be a good idea? Thanks.

2007-11-11 13:56:11 · 5 answers · asked by Anonymous

How can I eliminate some major debt in six months making the same money I am now?

2007-11-11 13:53:57 · 21 answers · asked by Anonymous

i will do anything well not exaclty anything but something help?

2007-11-11 13:42:07 · 19 answers · asked by Anonymous

A year ago he deposited a check from a client in his own checking account(let's call it account A). For some reason, he wrote himself a check for that amount using Account A and deposited in account B (joint with me). A few days later, the clients check didn't clear for insuficient funds, and of course his check into account B got problems as well. Bank A closed his account for "fraud" and Bank B closed our account for fraud. He paid the money back right away when he was informed that the checks were not good, etc. When we tried to open another account (joint) the bank rejected him (this was Bank C). I suspect banks pass on information about this kind of transactions. When will his "name" be cleared? I have my own checking account, but am afraid to add him on and then have it closed on me because of his history, although this was about 18 months ago. When can he open his own account?

2007-11-11 12:56:42 · 4 answers · asked by lasm97 3

I thought it was illegal for bill collectors to contact you on Sundays in California with the exception of extreme conditions (i.e. significantly late on payment)

2007-11-11 12:54:47 · 2 answers · asked by sdboogedy 1