Personal Finance - December 2007

2007-12-30 17:35:10 · 1 answers · asked by Anonymous

Hi all,

Sometime i wonder how come people
can become so rich, yet have so many free
time to spend.
How do they make it in life ?
What is the aspiration behind or
wat kind of attitude and character they have to make so much money.

Expert, pls share yr opinion,

Thanks.

2007-12-30 16:58:30 · 6 answers · asked by James Lim L 1

Im trying to get out of debt. But I know that I gotta save money..So which is more important to do first.

2007-12-30 16:10:05 · 6 answers · asked by Imdatchick 3

If I have any money at all, I waste it on stupid stuff I don't need. I try not going out to stores and stuff, but then I end up on amazon.com or some other site using my credit card. I even signed up for a website today that will probably never use again and spent 30 bucks on it, just because I wanted to see how it worked. This hasn't screwed me yet, but I have a feeling that eventually I'm going to get stuck with a crap load of debt (which I'm sort of already in) and bad credit (some how I still have good credit). How do I get more discipline on my spending habits so I don't bounce checks and have money for stuff I really need, like bills and gas?

2007-12-30 15:35:28 · 23 answers · asked by Anonymous

In 2005 I got a loan and settled my credit cards for less than I actually owed them. The other day I got a bill from the irs saying that the difference between what I paid the credit card company and what I actually owed was considered taxable income and the taxes I owed added up to $2000.
I am flat broke living paycheck to paycheck and don't have and maybe never will have the money to pay this off. I could do the payment plan but I can't afford to have another payment each month to pay this off. The only thing I saw on the irs website is a offer in compromise but that takes a $150 fee to apply. What should I do? PLEASE HELP !!!

2007-12-30 15:11:28 · 14 answers · asked by timkilledlaurapalmer 4

i have some online site charging me $1.95 a month for some memebership thing, but i have cancelled it a long time ago, and even cancelling it was a hassle. they gave me so much difficulty that i had to call 3 times to cancel it but they still charge me that small monthly fee. it seems they do not want to un-sign me up. can i report my debit card lost or stolen or get the number changed so that they would not charge me anymore?

2007-12-30 14:11:48 · 25 answers · asked by exilex4 1

I am married 39 yr old male with children (6 and 15), purchased a home last year, struggling like most to make it, work in a major city earn aroung 50k yr. owe about 25000 in credit cards. I have just about had it with the hustle and bustle, sick of the rat race and my job requires many lies which has me feeling like i am going to hell in a handbasket. I don't expect to be exstatic everyday but i am finding it harder and harder to be happy. I just picked up some st. johns wort to try. I mean who wouldn't want to hit the lottery but dont need that, i am looking more for a quiet town, job with enough to live halfway decent, no need to be rich and raise the kids in a safe environment. Any advice?

2007-12-30 12:32:28 · 7 answers · asked by zurc137 2

I know I would try to make more money but still, what else? would you live child fantasy's or buy everything. And after all that spending who would you help? Be honest too, everyone knows what they would do.

2007-12-30 12:15:07 · 13 answers · asked by Anonymous

2007-12-30 11:24:14 · 4 answers · asked by Williew 7

2007-12-30 11:19:24 · 22 answers · asked by babyherc1r 1

He was sick for several years and made many internet purchases through QVC, Dell, etc.

2007-12-30 10:59:09 · 4 answers · asked by Shellie S 1

I've never had to use an ATM before, so can I use an ATM at, say, a Washington Mutual bank to get money out of my Citibank checking account? I don't think I can do that, but someone else told me that I could... anybody wanna help me out?

2007-12-30 10:28:26 · 3 answers · asked by firain 2

What is the average cost of living on your own and single, in a large city?

2007-12-30 08:34:15 · 5 answers · asked by Tickled Pink 7

I've been living abroad for 7+ years, dutifully filing my US taxes each year, and am now repatriating back to the US. I want to transfer all my money to a US account (more than $20K). Would this trigger an audit?

I heard that any transactions made for $10,000.01 or more automatically triggers an audit from the IRS? Is this true?

The last thing I want/need while moving back home is to deal with the IRS!

2007-12-30 08:00:04 · 10 answers · asked by simya357 1

the first thing I would buy is a house

2007-12-30 07:44:26 · 21 answers · asked by Anonymous

I got my paycheck its not big because i dont work many hours because i go to school. My paycheck was 325 deposit i had an overdraft of 110 which i believe is wrong because when i went to pull out $ from the ATM it said i had $ money in their and when i called the bank. When my paycheck got in i called and it said i have $139.19. I dont think thats right 139.19 out 325. They said i had another overdraft from a company taking out my $ and i didnt know so i called and the company gave me back the refund which was was only 7.99 But what do i tell the bank they took out more than half of my money when they shouldnt have. Everytime I call the bank its says i have money even the reciepts from the ATM say i have $. I dont understand how could i have these overdrafts when my reciepts say i have $ and so did the bank. What do i tell them to get at least half of my $ back?

2007-12-30 07:25:55 · 7 answers · asked by Confused 3

I have 4 burial lots situated at Forest Lawn Covina CA , that have been fully paid. I am a single mother of 2, in dire need of cash to pay my daughters' schools and other bills.

2007-12-30 07:08:09 · 4 answers · asked by a grace 1

google will not accept my password and i never intended to transfer my business from amazon. com to google

2007-12-30 06:58:34 · 1 answers · asked by Anonymous

I would like to know why banks can hold paychecks?

I know there are laws saying they can hold paychecks. How can the government think this is fair? I deposited a paycheck into the account on Saturday (Before 2:00). The teller said it had no hold - but failed to mention it was considered a Monday deposit.

For the most part we don't have a problem because we use direct deposit. This was one check unfortunately that could not be directly deposited.

They claim that Saturday isn't a bussiness day so it will be considered a Moday deposit so it will be available Tuesday AM. We spent some money and our account is considered overdrawn.

How is this legal?
How is this fair?

It's a paycheck. You need your paycheck to live!!!

2007-12-30 06:57:42 · 12 answers · asked by Anonymous

I need to get a loan to pay bills that have mounted. Please help
I have a good job and will pay back huge interest, but no more scammers. Any Ideas?

2007-12-30 06:47:57 · 0 answers · asked by Bob M 1

2007-12-30 06:45:37 · 2 answers · asked by rippedoff 1

need private loan that isn't payday loan!! If anyone can help I would appreciate it!! thanks

2007-12-30 06:40:57 · 1 answers · asked by Kristina C33 1

I've decided just for fun because I've NEVER played scratch off tickets before (I do like to gamble for fun other ways once in a while) to buy $50 worth of scratch tickets to end the year (money I can afford to have fun with). I've narrowed it down to two different $10 tickets.

Jumbo Jumbo Bucks: I'd have 20 numbers to match against 6 numbers. Odds are 1 in 2.56 (I know that includes break even prizes which is OK with me). 66 of 90 to prizes have been claimed (73% claimed).

OR

Jingle Jumbo Bucks: I'd have 20 numbers to match against 6 numbers, BUT I also would have a chance to win $100 if a jingle bell appears in any of the 20 spaces. Odds are 1 in 2.74 (0.18 worse than Jumbo Jumbo Bucks). 2 of 4 top prizes have been claimed (50% claimed). Also this is a newer game so it could be assumed less prizes have been won overall.

Which ticket gives me a better CHANCE at walking away with more than the $50 spent to play?

2007-12-30 06:34:42 · 2 answers · asked by still_kind_of_shy_guy 2

2007-12-30 06:33:21 · 3 answers · asked by jusmic80 2

I'm trying to get a new car (2008 Dodge Avenger SXT), and I have the money to finance it myself, but I have very little credit history established. I have two student loans in my name with deferred payments until after I graduate, and one credit card to which I have only made 3 payments, each in full.

The only person in my family with good enough credit to co-sign for me would be my grandmother. My grandpa died 2 months ago, so her income was cut in half - as she only is able to receive half of his pension and his social security and not her own anymore. We discussed her situation, and she has an income of 2200 dollars a month, with 750 dollars left over for frivelous spending (as in, for whatever she wants.. this figure is AFTER her mortgage, own car payment, etc.).

With my 800 dollar income and 0 bills in my name, would lenders look at our income TOGETHER to determine the debt-to-income ratio and grant us a loan?

And would we be able to get the loan?

2007-12-30 06:12:38 · 2 answers · asked by Ryan H 1

help me on the basis of tips

2007-12-30 06:07:54 · 10 answers · asked by Anonymous

We have been told 8 years and 7 years please help

2007-12-30 05:57:42 · 5 answers · asked by Anonymous

I'm a college student trying to buy a laptop. It costs 1700 and I've been trying to get a loan. But in the past I haven't had any good jobs, and used a credit card. Now I have bad credit but a good job. I can bring up my credit score over time thanks to the job I have but not soon enough to get the computer, my college professor is selling the computer and giving me about $3000 worth of software on it. I can't miss my chance to get the perfect stuff for school. So I need the money SOON. No banks will give me a loan and I can't get my hands on a good co-signer. Someone please help!

2007-12-30 05:43:44 · 2 answers · asked by ThaDon 1

2007-12-30 05:17:33 · 5 answers · asked by Shellie S 1

2007-12-30 03:02:18 · 14 answers · asked by Anonymous