Personal Finance - December 2007

I received a check in the mail and it appears to be real but I don't want to cash it if it is a scam. A letter with the check says that is part of a grant that I have won. And the check that is enclosed is to cover legal fees. But they want me to cash it then send a portion of it to an agent who will then release the remainder of the funds which will be delivered within 5 business days via courier.

2007-12-11 14:21:01 · 5 answers · asked by janice s 1

Get it taken directly out of your paycheck and into savings or something? Just curious and looking for tips. I am tired of not saving.

2007-12-11 12:15:43 · 24 answers · asked by hmm 5

i will pay if some body help me or make my resume. if u trust on god.u trust me too. u have to make my resume first then when i get my job i will pay via any type. bank transfer, credit card or western union bank because i dont trust any web site . because they all just need money. i pay some resume maker web site but all resume are waste.

2007-12-11 12:02:25 · 3 answers · asked by Anonymous

2007-12-11 11:57:33 · 4 answers · asked by Anonymous

My best friend just bought an expensive car! She owes like $30,000 on it! She said she went with the lowest intrest rate she found, and now she is afraid she cant afford the vehicle. I told her to sell it but she has like $10,000.00 neg. equity! She now is trying to figure out a way to total the vehicle because her loan covers the remaining cost if the car that the insurance doesn't pay (her neg. equity), and the insurance covers the rest. In other words she owes nothing. I don't know what to tell her!?! Please help. Should I help her come up with ways to total the car, or what other ways can I go about this situation?

2007-12-11 11:45:27 · 10 answers · asked by Les 3

i won the lottery in london a i was trying to figure should i receive my money in cheque or by consignment what is the best way and will my bank here in the united states cash a cheque from the uk?

2007-12-11 11:39:30 · 10 answers · asked by constant l 1

I am still a teenager and I am not proud to say I am spoiled. I get anymost anything I want. I would like to know if I saved up some money as a kid a few thous would it really help out in the longshot as an adult. Or do you think its fine that im living out my teenage years buying the xbox having a nice t.v. and all the stuff I want. Basicly this is my question. Do you think its stupid that i keep spending money on things like my t.v., i phone, snowboard, xbox games and not saving money or do you think its fine that im using most of my money for now and i will assure you once i am on my own i will have my own job and wont get any money from my parents and wont spend anything and will save them. I know right now i have about 20 grand is that good right now or am i behind and i should start saving up?

2007-12-11 11:28:23 · 8 answers · asked by Anonymous

I have 100% positive feedbacks,and after calling "customer service" 17 times...nobody seems to know why they "restricted" MY access to MY money ! Thats the key....the money NEVER belonged to paypal,but they treat it as if it's theirs !

2007-12-11 11:23:45 · 1 answers · asked by Anonymous

2007-12-11 11:19:27 · 6 answers · asked by ghet0z 1

What decision would you make in this situation?
I get $643/month, my rent is 1/2 my income, I pay $60 in electricity & $100 in food. $20 for laundry, $30 for a prepaid phone cardwith 300 minutes, & about $15 for cab service, lugging those groceries. I'm mentally disabled & go to college-I have my BA-Spanish degree, but I have a weak GPA, so I'm taking extra courses to try to get into grad school. I don't like Spanish Lit, but that's all they offer. I want to translate & interpret. I'm desperate for work, but no one wants to hire me because they say I appear mentally slow b/c of my movements & mannerisms. They think I'm retarded & don't know any better. They also won't hire me because of my weight. I have other necessssities that I can't have because of lack of money. If you were in my situation, would you quit your current school & try to go to T&S school out of state, quit school PERIOD & try to find work, or stick to a Grad major of a field you're not interested in & stay poor? I don't know what's the best decision. What else?
11 minutes ago - 3 days left to answer.
Additional Details
7 minutes ago

***T&S means TRANSLATION & INTERPRETING school. Should I pursue a Certificate in California @ Cal State-Los Angeles, Expensive Grad program @ Monterey Institute-$40,000/yr. tuition in California where I can get a MASTER's in my DESIRED career field, OR stay here @ University of North Texas in Denton, kind of rural town with not much job opportunity & extremely limited transportation, majoring in something I don't have interest in, which is why my GPA is so low in the first place?

2007-12-11 11:19:06 · 10 answers · asked by Anonymous

I dont know what is is but i find myself spending money all the time. I only really buy clothes etc.. but their expensive designer clothes. Im not in debt or anything because Im a student and I do work hard with 2 part time jobs aswell as being at college. I just don't know how to stop!

2007-12-11 10:28:56 · 15 answers · asked by ♥.needs a miracle.♥ 5

I cannot afford to pay these old debts. What's the best and worst thing that can happen at this point...?

2007-12-11 10:21:43 · 9 answers · asked by zonky01 1

Ok, so my 11 year old wants a bank account how old do you have to be? She has a savings account but she doesn't use it. She is mature enough to handle a "card".

Also how does she make money? Like $20 dollars a week? And don't tell me that I should give it to her!

2007-12-11 10:01:29 · 6 answers · asked by ♥Animals♥ 3

I am 28 and have accumulated $200k over the years. I am university educated but I want to try something totally different. I am thinking of taking a big holiday or something. Please give me advise.

2007-12-11 09:44:46 · 10 answers · asked by Why does everyone hate me? 3

If you have good credit but not employed can you still get a loan? Let's say you still have income coming in the home, but not from a job. Is there anywhere online that you can apply for a fast cash loan if your unemployed?

2007-12-11 09:34:10 · 7 answers · asked by healthy_mind30 2

i am looking for a hard money lender
is there any in the uk
thank you for your help

2007-12-11 09:13:33 · 4 answers · asked by moonbeam 2

i really need some help with money, i am 18 and was stupid when i turn 18 thinking i was king of the world, i have a loan, went abroad repping and thought i ruled the world.
I have now been at home 3months, and dont intend to go away again working. However i still work full time as a travel agent for the company i worked for abroad. Everything is getting the better of me.
My Loans, car costs, massive overdraft... I have tried everything to earn money, i work more hours overtime than you would believe, but i am still struggling. My Mum and Dad dont really want to know, but there is nothing eles i can do or turn to.

Any Ideas??? ...

Thanks. Rich

2007-12-11 09:10:55 · 8 answers · asked by Anonymous

I am currently 2 months behind on my personal loan at american general, Can they garnish my wages???

2007-12-11 08:15:31 · 5 answers · asked by VictoriusRyder 1

I have been paying deligently every month on my line of credit and now the bank is considering not renewing my loan. They hold the second mortgage on the commercial property and another bank holds the primary loan. What is the worst case situation the bank can force upon us??? Can they garnish my wages, credit, selling the property, etc? Help...someone. Thanks

2007-12-11 08:04:54 · 2 answers · asked by openminded83 1

2007-12-11 07:43:45 · 17 answers · asked by CECILIA 1

I was recently laid off and cannot make my mortgage payments. My financial counselor has not been able to secure an equity loan or refinance due to my poor credit rating and the lender's say that the house needs too much work. It has now been suggested to me that i let an investor buy the house. I would receive some money up front, the investor would make the monthly payments while making repairs to the house. When the house was ready to be sold I would receive additional money. Does anyone have first hand knowledge of this program and whether it is a good deal for someone like me?

2007-12-11 07:35:10 · 5 answers · asked by Linda P 1

What happens to my 401k plan if I decide to leave USA and go back to Indonesia. I have my 401k plan for about 5 yrs. What are the consequences and how should I save from getting penalised ? I am resident in USA and 35 yrs of age.

2007-12-11 07:04:11 · 6 answers · asked by rainbow 1

well, i've been with my boyfriend for 4 yrs now (im 21 FYI). i've always had money to buy him something- i'd spend about 200 or so... and he'd do the same. I got laid off in july and have been trying to get a job again- i have no incoming money and my credit cards are almost maxed out... he asked me what i wanted and i said a digital camera.. ($250) and for him and i to take some portraits at jc penny. i know i have to buy him something- but- im soo poor- should i just use the credit cards to buy him something along with my mom? and my credit cards will be completley maxed out? - im soo poor! what should i do?

2007-12-11 06:01:24 · 9 answers · asked by pam3la 1

I think my friend wrote me a bad check that I cashed for her and it bounced but she denies that. She says that she has enough funds for the check to go through. Would I be able to go to her bank and ask them if her check bounced or what's going on with her check? It's causing me more problems than I can handle right now !

2007-12-11 05:40:43 · 29 answers · asked by freakette85 2

I'm a college student and i currently have $20.03 in my account and i want to withdrawl $20, will i get an Overdraft if i do that, even if i have 3 cents left in my account?

2007-12-11 05:35:05 · 4 answers · asked by Anonymous

I wrote a check to pay my rent. Today I called my bank to check my balance and they said that i had a negative available balance and that the check will be returned tonight. How long will it take for my leasing office to be notified about the returned check. I have most of the money to pay the rent again, but not all of it, and i will have it next week.

I feel bad because this is the first time i had this happen to me, and I should have been more careful about checking my account balance and making sure i had all the money :-(

2007-12-11 05:30:48 · 5 answers · asked by s a 1

On the statement it shows the loan balance but it shows it with all of the interest added in already and says *Not a payoff balance call for details. So I was wondering how to figure it out myself? It shows total balance of 1100 at 24% interest with 6 mos left. So if I wanted to pay if off right now what would it be?

2007-12-11 05:19:08 · 4 answers · asked by Anonymous

2007-12-11 04:41:04 · 6 answers · asked by ALAN B 1

My husband was married before and has been divorced for about 3 years. We tried to get accounts or loans together but he is unable to get any due to the fact that she is defaulting on credit cards they had when they were together. When they divorced he took out a loan to pay her his half of the debt. She did not pay off the cards and his credit sucks. Yesterday we got a bill of hers in the mail that is still in his name. I cannot get through to him how angry this makes me. Our credit is suffering because of her and the fact that we got this bill in his name and in care of her really makes me angry. Why didn't one of them make calls to get his name off? What do I do to get through to him and try to get his credit cleared up? I have no idea what household bills are still in his name and neither does he. She is always late on all her credit cards. We don't have a copy of his divorce papers becuase he gave them to her when she lost her copy. Any ideas?

2007-12-11 04:38:49 · 7 answers · asked by Anonymous

My spouse wants to start collecting his retirement at age 62 but loves his occupation. I was wondering if he could retire at 62 but continue to work some hours. Will there be a limit on what he can earn?

2007-12-11 04:35:58 · 4 answers · asked by joie 6