Personal Finance - November 2007

hi, just wanted to buy this book online -

http://www.amazon.ca/Fast-Beauty-000-Quick-Fixes/dp/0761134727/ref=pd_ecc_rvi_cart_1

this is the first time i am ever buying online and am a bit nervous about the whole thing. is it safe to buy on amazon? how does this "buying online" really work? after you click 'checkout', what happens? can i pay via debit card? how much will shipping cost? thanks for putting up with me guys!
i

2007-11-27 12:18:00 · 1 answers · asked by Anonymous

The bank attempted to cash the same check twice and that made me overdrawn. I caught the mistake on the Internet and brought it to their attention. The representative claimed that it was not their mistake but the recipient of the check who had tried to cash it twice. I went to the recipient and they proved that they only cashed it once. The bank said that they would investigate but my account was shutdown and I was unable to pay bills the normal way. By the start of the next day, the mistake had been fixed but the computer assessed me $150 in overdraft charges. I called the bank and I was told that they could do nothing without evidence. I called there national phone line and they returned the money in about 2 seconds. I told them that they owed me some money for the time, effort, and inconvenience they caused me. I think it is only fair that they charge a customer $30 dollars for overdraft that they pay a customer $30 dollars for every overdraft that they c

2007-11-27 12:16:55 · 8 answers · asked by Anonymous

2007-11-27 12:09:17 · 1 answers · asked by Sunshine 2

2007-11-27 11:56:27 · 3 answers · asked by Mr. Owl 3

things like, deposit money, get a certain %, collecting money from purchasers. last wishes, spliting profits of money left in accounts, japan corps rep. as payment officer, from all over europe, negeria,uk,japan, russia, i need money but not illegal money. some offer jobs. will some of the personal mails i get really pay me millions or thousands for me to help them.

2007-11-27 10:39:46 · 5 answers · asked by rere 1

Why do people constantly say that they must have a credit card for emergencies. How stupid is it to pay 20% or so on your emergency? Now you just turned your emergency into a financial disaster. Competent financial planners suggest a 3-6 month emergency fund so that your emergency doesn't become a financial problem. Why then do people own credit cards at all then? A debit card can do everything a credit card can except get you in debt. Oh yes, the rewards! How many people's lives are changed by the rewards vs. those whose lives are changed by massive credit card debt? Oh but I have to build my credit score! Why, so you can make debt payments to get more debt payments? The only debt that you should ever consider is a home and you can get manually underwritten with a credit score of 0. I just don't get all the stupid credit card arguments. Boy, they sure are making all the credit card companies rich though. Why do you own a credit card? What do you all think?

2007-11-27 10:21:32 · 6 answers · asked by Anonymous

my family keeps bugging me telling me i need to be making more than my 31,000 salary, but i LOVE my job! i work w/ vicitms of domestic violence. and i knew getting my BA in psych wasnt gonna pay the big bills, unless i work w/ child protection services or obtain a masters, both of which i do not want to do.

i feel like i'm doing okay: i have an apartment (i currently share w/ my boyfriend, but i've been out of the home since i wa 24y/o and i'm now 26) i have a reliable car. i have 1800 CC debt, which is not good, but not in the 10000 either.

am i really such a loser? i really dont know

2007-11-27 10:12:18 · 10 answers · asked by happypants 3

Hi - I've been trying to sell my car. Got a potential buyer and he is concerned by the finance outstanding on the car. I have got the settlement figure and said that he can pay the finance company direct if he wishes for peace of mind, failing that I will pay it out of the proceeds of the sale. Are there any legalities with regards selling a car that still has an outstanding finance agreement?

I have already considered a loan to pay off the outstanding finance, then pay off the loan from the sale, but my credit history isn't fantastic.

2007-11-27 09:50:22 · 7 answers · asked by gclarke1985 1

I know I can use a loan from my 401k towards the down payment. If I have some money left over from the 401k after that, can I use the rest for the closing costs?

2007-11-27 09:43:42 · 4 answers · asked by Donna S 2

2007-11-27 08:35:54 · 39 answers · asked by SYSV1RUS 3

My wife has recently been laid off. Her estimated monthly pension payment at age 65 will be $237, OR she can take a lump sum payment of $5400 now and have no payments coming to her again. She is 31. Is it worth waiting 34 years for such a small monthly payment? Besides the pension she also has a 401K for reitirement and is currently seeking new employment. Thoughts on this?? I'm thinking the best option would be to take the lump sum now.

2007-11-27 07:49:44 · 22 answers · asked by chezzwic 1

I used to think it was a fortune, but not in this day and age!

Rent is through the roof in my area! Throw on top of that renter's insurance, gas, car payment, car insurance, student loans, debts, retirement accounts, investments, savings accounts and some money to have fun. All of a sudden, $20 an hour is not enough.

2007-11-27 07:44:43 · 17 answers · asked by Andre 7

A friend of mine told me that she was able to get a better rate with letters of reference. Sounds unrealistic to me.

2007-11-27 07:42:17 · 5 answers · asked by la9799 2

I have learned my errors in the past. I am so sick of being a slave to high interest rates, paying minimum payments towards credit cards. My philosophy has changed regards this. What do you the consumer think? Most households have a total of 8 credit cards and they are all maxed out. How can banks justify such things and get families into trouble?

2007-11-27 07:32:09 · 28 answers · asked by angelikabertrand64 5

2007-11-27 07:30:06 · 35 answers · asked by Missy 1

I have been hearing a lot about Roths and IRAs lately, and I would like to know exactly what they are, how they work, and if it would be a good idea to look into getting one. I am young, I haven't had to fill out tax returns or anything yet, but I will be in a year or so. I want to know the best way to invest my money and where to pt it so that it will grow.

2007-11-27 06:00:24 · 6 answers · asked by Anonymous

2007-11-27 05:33:09 · 8 answers · asked by Anonymous

2007-11-27 05:25:52 · 8 answers · asked by cashmere 1

Please help me find the answer to my last question! First one with correct answer by tonite will get 10 points.

Thanks



In their social studies class, Adolph and Hans are studying the stock market. Yesterday, Adolph and Hans were discussing their imagined profits in the stock they "bought". "One hundred thirty dollars on a six and a half month investment of $1000.00 is great," said Adolph. "I wish I'd come in sooner," said Hans. "Nevertheless, $42.00 on $700.00 isn't bad." How long has Hans held his stock?

2007-11-27 05:02:25 · 6 answers · asked by Anonymous

I AM INTERESTED IN FINDING OUT IF ANYONE HAS ACTUALLY RECEIVED THEIR MONEY AFTER SENDING IN THEIR COLATERAL MONEY

2007-11-27 05:00:29 · 5 answers · asked by Anonymous

My previous employer offered a 401k which I took advantage of while I was there. The 401k is worth $3,200 put in to 8 different funds:

24.60% - T. ROWE MEDIA & TELECOMMUNICATIONS 
21.07% - T. ROWE PRICE RETIREMENT 2035 
13.11% - GOLDMAN SACHS MID CAP VALUE FUND CLASS A
9.31% - T. ROWE PRICE REAL ESTATE
8.73% - T. ROWE PRICE MID-CAP GROWTH
7.89% - T. ROWE PRICE GROWTH STOCK 
7.75% - T. ROWE PRICE CAPITAL APPRECIATION 
7.54% - AMERICAN CENTURY EQUITY INCOME ADV

$3,200

Would I be better off putting this money into my current employers 401k account, roll this money over to an IRA, or keep the 401k where it is and let it grow on it's own?

2007-11-27 02:57:38 · 6 answers · asked by Michael T 1

2007-11-27 02:41:13 · 19 answers · asked by jamal c 1

Ok peoplethanks in advance, i owe about $3700 ($2500 to one credit card and $1500 to the other) in credit card debt, i am gettin $3500 soon, my question is, what would be better if i pay off $ 2000 to one and $1000 to the other one. or would it be better if i pay off the one that i owe $2500 entirely and whatever i have left to the other one?

2007-11-27 02:03:40 · 6 answers · asked by shortyXXX 1

2007-11-27 01:58:47 · 3 answers · asked by Shane J 1

2007-11-27 01:31:49 · 10 answers · asked by Red boy 1

2007-11-27 01:30:43 · 5 answers · asked by cabbie7@sbcglobal.net 1

someone (a bank official) recently told me that it illegal to keep cash in a safety deposit box within a bank ? is this true ? if so why

2007-11-27 01:13:29 · 6 answers · asked by surveyman5285 3

I have a debt with capital one.... and I couldnt afford to pay it so it was sent to a creditor..

This creditor called me this morning.. They refused to tell me what company they were.. They lady was YELLING at me, telling me I didnt need to know and I should just pay my debt.

She finally told me MCO financial systems? She was completely rude telling me she didnt need to tell me any information. I asked her for her name, she refused. I asked several more times and she hung up on me..

Yesterday they called also, and i siad i couldnt pay the bill and hung up. they called right back, I hung up again and said i cant afford it and to not call back, he called back 4 times.

Is there any laws against this harrassment? what should i do..
and dont tell me pay the bill, i dont have the $

2007-11-27 00:36:52 · 4 answers · asked by Ashley A 1

2007-11-26 23:50:44 · 5 answers · asked by Anonymous

$10K, 30K, 50K and or over what period of time can you deposit different amounts without added issues.

2007-11-26 22:53:50 · 5 answers · asked by jdsecmove 1