Can39;t afford to pay monthly gas bill

oh and why im so upset is we shut the heat off completly feb.1st, it was used 2 weeks through jan...and thats it, we shut the unit off and have been wearing sweaters and blankets to lower it from the 95 , but our cooking,dishwasher and clothes washer run off gasis there a place to help us?
      Answer1:Get and submit an application for LEAP from Social Services or go online and search for LEAP, it explains the program and helps low income families with utilities.
      Answer2:I have experience dealing with similar problems to yours, but am in the UK.First step: maximise your income. Are there any funds you could be claiming from the state? (Please dont let pride affect your decision to seek aid). Contact a local (free) advisory body to find this out. A lot of people are not aware of all the benefits they are entitled to. The advisory body will help you to compile a list of income and cash outlay - particularly at a time when you are having a child and both your and their health may be considered to be at risk due to lack of sufficient heat, light and washing facilities.Find out from the advisory agency which government-sponsored body is responsible for overseeing the activities of utility-providers in your area. Get in touch with the gas supplier and speak to a supervisor or manager. Tell them that you have spoken to your local advisory body, and your case is known by the utility overseeing body in your area. (You may be asked to provide details of who is helping you, to speed the process along) This is a positive move, as it shows you are actively seeking help with respect to your position.Get a timescale for all of this - you are pregnant now, therefore you need help now. If the utility company seem reluctant to provide speedy assistance, contact the utility-overseer operating in your area directly - they certainly makes us jump!
      Answer3:Sorry, but you need to budget your money better and if you have a lot of outstanding debt then you may want to file for bankruptcy. In the 90s I was making $5.25 and able to make my payments. Its rough and you have to go without a lot such as cable but it can be done.
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Is this Auto Loan Fraud

I bought a car in 2007 which i financed through the dealership. Sometime after i signed the contract the dealership added an extra $1000 to the amount financed, and sent their copy into the lender. I recently did the math of how much i have paid compared to how much i owed and it didnt add up, so i called the lender and they told me I financed a different amount from what was on my carbon copy of the contract. So i requested a copy of the contract they recieved from the dealership and sure enough an extra $1000 had been added to it. I compared my contract to the one the dealer sent into the lender and i found that all signatures, dates and invoice numbers match but the dollar amounts didnt which i dont understand cause its a carbon copy. what should i do??
      Answer1:Tim: Confront the dealship and demand an answer to your satisfaction for these differing amounts. Dont settle for anything less!
      Answer2:It can really save you some money to just get an auto loan price online to verify what the going rates are. You might be pleasantly suprised. Also if your credit is not good, a lot of them are more willing to work with people.What I always tell folks is that an internet quote at http://auto.lowratetoday.com is the way to go.
      Answer3:It can really save you some money to just get an auto loan price online to verify what todays rates are. You might be totally suprised. Also if your credit is not so great, a lot of online loaners are more able to work with you.What I most often tell friends is that an internet quote at http://auto.lowratetoday.com is the way to go.
      Answer4:Try getting an online auto loan quote. http://www.simpleautoquotes.com/Auto-Loa... The automated questionairre will let you know if you can be approved. Its free and you can get an answer in minutes.
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What is a good way to earn money

I need money I am 13 and i dont have a job or anything and I need money for new clothes and other stuff. I also dont get allowance
      Answer1:its tuff...online survry...but its a time taking thing...invest in knowledge...that will pay u long term
      Answer2:im sorry but until your atleast 14-16 years old, all you can do is babysit.
      Answer3:Well, youre probably too young to get an actual job. And dont buy into those online survey things; theyre all scams. My best advice to you is to use your brain and think of something creative. Collect cans/bottles to recycle for money(depending on where you live). Mow lawns. Walk your neighbors dog. In general, provide people with goods or services. Do you have any special skills? I know a lot of people who do arts and crafts and sell them online or at flea markets. Or you can always open up a lemonade stand...
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How do I calculate my loan payments using simple or compound interest

I borrowed money from grandfather this past semester for college tuition. It is now time to start paying back on the loan. For the next three years, my grandfather wants me to pay the interest that accumulates on the loan every 6 months. The interest rate is 5.5% , and I am not sure if this is supposed to be calculated with simple or compound interest. The amount of the loan is $4,000.00. I was wondering if anyone could help me calculate my payments in terms of both simple and compound interest? Thank you
      Answer1:There are several calculator options here.http://www.coolmath.com/calculators/inde...

Lloyds tsb basic bank account

Hi I was wondering if anyone could tell me what type of debit card you receive with the Lloyds tsb basic bank accountThank You For any help
      Answer1:You probably just get an ATM card but check here:http://www.lloydstsb.com/
      Answer2:About Lloyds tsb basic bank account can be read in http://usfinance.synthasite.com/?q=Lloyd...

If I were to win a large some of money what financial steps would I take

Ive wondered what exactly you would do in this case. Its not like you just go to your local bank and say deposit this. I know that you would seek an adviser but how would you get access to this money. How would you go about giving money to say a family member. Not like they can go cash a million dollar check. Just curious and hoping Ill have to do this one day.....lol.
      Answer1:You would have to win a sum
      Answer2:It really depends what you are planning on doing with th emoney. Lets say you win $10M, after tax. You are going to invest the money then it is in a brokerage account, maybe in multiple accounts. If you wanted to withdraw some of the money, your broker transfer the money into an account you can access. If it is a large sum, like you are paying 500,000 to buy a house, then you would notify the bank of the withdrawal and get a cashiers check (and possibly a security guard) or you could arrange a wire transfer for a small fee.

What is a good job part-time and I canmake good money

I have been looking for a part-time job and make good money
      Answer1:http://cashcratereview.com Its what I do and its worked out pretty well. What you have to do is complete surveys and offers for companies that want the publics opinion. No payment from you is ever required, not to sign up, not EVER.The sites dont get paid directly from you, but when you complete an offer or survey, they also get paid a small portion of what you earned yourself. For example, if you complete a survey about computers lets say, you would earn maybe $2 and the web site itself would recieve $0.50 from the company also for getting you to complete the survey. These surveys take little time at all, most taking up less than even 1 or 2 minutes of your time.They don’t need any information other than your name, email address and your home address. Yup, that is all. No credit card information, no banking information, nothing like that. All they require is your name and address so that your cheque can be sent to your home every month.Personally I have been a member of these websites, along with thousands of other satisfied users, for approximately 1.5 years now and have earned well over $8600 by working in my spare time. This web site has been great to me, also the members and administrator are very friendly, and are always there to help you with a question or problem you may be having. I give you my word that they pay.
      Answer2:Hi, Take your time and explore. Make sure you choose a program that helps you to develop yourself and at the same time allows you to earn.There must be future earnings in the program you embark on. It must be automated and the system must be a proven one. You must have good mentors and a team with resources. Distinguish the real business opportunity from scams.Are you keen in a Learn and Earn Opportunity.Check out the resources I have attached. If you need more information I will always share, unreservedly. Take care.To Your SuccessSubra
      Answer3:If you are old enough, bartending makes great money. Waiting tables makes descent money if you get into the right kind of restaurant. Stay away from diners. Steakhouses and chains like TGI Fridays and Chilis make good money.With so many people without jobs and getting laid off after 10 years of employment, jobs are hard to get now. Youll have to be at least a little bit flexible about your schedule.
      Answer4:I suggest you to try project payday, simply because you dont need any money up front and you can start making money within minutes. I average around 3,500 dollars every month with it. Check it out at http://lin.cr/bne
      Answer5:I make money online in my spare time using a site called CashCrate. It is a GPT (Get Paid To) site where you get paid to fill out surveys and complete free offers. You dont need a credit card and will never have to spend a dime. CashCrate is the most reliable and safest GPT site you will find on the internet. You wont get rich from cashcrate but you can earn about $50-$200/month on average. Below is the link to my blog dedicated to cashcrate. In it is everything you need to know to get started as well as Proof that CashCrate Pays. If you are interested please check it out. p.s. If you have any questions you can email me at pronk48dh@yahoo.com
      Answer6:Pizza shop job is the best.
      Answer7:visit www.24hourtour.net/jrg2009 and if you are interested visit www.shoptoearn.net/jrg2009 for my contact information should you have any questions
      Answer8:you cant make good money with a part time job

Can someone send me 3 bucks to my paypal account

I really need 3 dollars for soemthing important. Im short 3 bucks and I was like arghhghhhhh! My paypal email is ryang333@ymail.com
      Answer1:Get a job!
      Answer2:Lol srry get a job get a loan im broke actually
      Answer3:Why would I do that?
      Answer4:The three bucks will just come out of your regular bank account. Thats why youre required to attach a bank account to PayPal before your account goes active. It might take 3 - 5 days to transfer over.

What39;s the best for me

I just arrived in the US and I wanna open a personal bank account and I dont know whats the best for me?I guess Checking account is the best, but there are many kinds of checking account, which ones is the best for me?Serious help, please
      Answer1:I suggest you to try project payday, simply because you dont need any money up front and you can start making money within minutes. I average around 3,500 dollars every month with it. Check it out at http://lin.cr/bne
      Answer2:It depends on what you are planning to do, if business checking account will be the best for you.

What would be a good way to fix the social security problem

im doing a debate and im on the negative team and i need a good plan to fix the social security program
      Answer1:Treat the Social Security fund like you would treat any other private insurance fund.
      Answer2:Remove the 100,000 cap. This will make Social Security solvent forever! A slightly milder version would be to exempt 100 to 200k and collect FICA for all wages after 200,000. This also would fix social security forever!
      Answer3:A good plan would be one that uses all the tool in the toolbox to bring in new revenue and reduce outgo. For example, when Social Security was first conceived, the retirement age was 65 and the average life expectancy was 65. Since that time, the normal retirement age has increased to 68 while the average life expectancy has increased to 76. Advances in medicine have not only allowed folks to live longer, but to be more active and available for productive employment. Raising the retirement age (both early and normal) would induce people to work longer, pay more into the system and reduce the outflow.Second, SS funds are invested in low-yield T-Bills. This has two negative impacts - it lowers the interest earned by the trust fund (reducing overall cash balances) and hides the actual deficit spending by the federal government, since it is declared as income on the books. By realigning the trust funds investments away from T-bills and into private issues, the fund could conceivably earn more money (reducing the strain on the fund) while opening up the federal budget to more transparency.One suggestion floated by many is to make the trust fund a series of private accounts, though with the recent decimation of the stock market, fewer are calling for that.One could also increase the SS tax somewhat (if that is a choice, the quicker this happens, the better as it will require a lower increase than if we waited).Also, the government could scale back on benefits. Right now, cost of living increases are based on the Consumer Price Index minus 1 percent. This was put into place because there has been criticism, acknowledged by the Bureau of Labor Statistics, that the CPI overstates inflation. Many observers still believe that he CPI minus 1% COLA is still too high and that the correct adjustment is more in the 1.25 to 1.5% range (which would also save money).One more proposal is to eliminate the cap on Social Security earnings. This would bring under taxation billions of dollars in annual earnings above the cap, creating additional income for the trust fund.While taken separately, each of these changes to the system are dramatic, using each of the changes simultaneously would lessen the impact of any one change on beneficiaries and allow the changes to be individually minimized.
      Answer4:excuse my uninformed question... Isnt your position that you have to defend that the system cant be fixed, or that the fixes that are proposed have flaws...or is it that you must try to defend that the system is broken and needs fixing, if so, privatization is one option, allowing greater personal control of your own retirement benefits (and thus excusing the government from responsibility for them) which means you can win or lose if you invest it in risky options (but a basic benefit will still be guaranteed). alternatively, one could phase out all eligibility for benefits in favor of private retirement accounts, and the welfare system would take over caring for those who cannot work, putting a greater burden on them.tighter qualifications for welfare would eliminate the unworthy poor from the truly disabled and those with limited economic prospects.Ultimately Soc Security is a long term PONZI scheme, since the pool of contributors gets smaller near the end and those seeking to cash in gets greater, forcing the collapse of the flow of resourcesthe 401k or IRA concept seems better equipped to serve those currently working, since they can anticipate the cost of retiring and see if their account will provide the standard of living they hope.If it can, they retire, if not, they keep working and adjust their retirement goals (life expectancy plays into it a lot more, as you must predict spending and earnings on a dwindling balance in your account once you retireit has to do with personal responsibility v. entitlement and government obligation
      Answer5:Switch to the affirmative team and debate whether or not Mcdonalds should bring back the double cheesburger =D.. Squadilah!!!!!!!!!!
      Answer6:Since the pay disparity is so large now raise the cap to $200k.Then laon that money out thru Fannie and Freddie. The interest would be killer. Also Keep the Socail Security Fund out of the General Fund. NO MORE IOWEUs
      Answer7:Social Security needs to return to its basic obligations. Retirement money for workers who have contributed.Instead you have millions of people who never paid a dime into it collecting SSI. That is the drain.

Why are Americans spending less money these days

I keep hearing the reason our economy is so bad these days is because most people arent spending their money. Does anyone have any ideas as to why? Are people making less, therefore have less to spend? Is the cost of living so high that people just cant afford luxuries anymore? Do people have money, but just hoarding it? I make under 24k a year and most of my money goes to paying the rent on my apartment. (I live in Northern California) and other bills related to it. (Electricity, Internet, phone, etc...) So I have little money to spend on other things. Is it like this everywhere else?
      Answer1:Economic theory teaches us that people spend money based on how wealthy they think they are - NOT based on income. When house prices were high, people thought they were wealthy. They spent money according to their perceived wealth as measured by the apparent equity in their houses and in their stock portfolios.Now, both have dropped by about 50%, so peoples spending habits respond to their relative drop in wealth.
      Answer2:Because of the "recession".
      Answer3:Everybody is keeping their hands in their pockets my friend.
      Answer4:Yes, most people for the past ten years spent all or even more of their money then they brought in. This could not continue for the long term and a lot of them were living so close to the edge that the smallest raise in any price caused their whole house of cards to come collapsing down. A lot of this came about when there was a change on how loans and credit cards where handled. When we detached the loaning of money from the income we created a huge mess. Some people had two and three times their income in credit card debt and then car and mortgage payments that they could little afford so when any other thing like gas prices went up, they could not juggle their debt anymore.

Can you refinance just your mortgage and not your equity line

call your mortgage company and ask them most likely if they gave you the equity line they are making money on you. if they didnt your new mortgage would probably want that lein out of the picture and pay it off.
      Answer1:maybe.youll have to get permission from the bank that extends the equity line, since technically refi-ing the first mortgage is a payoff of it, which would then promote the equity line from second position into first position to be paid off.the refi mortgage wouldnt permit that, so the equity line would have to agree to become second to the refid first.naturally, this gives the equity line some bargaining leverage which may result in various terms and conditions, and/or a fee. Id guess that the new first [refi] cant be for more principle than the old one, nor can it call for higher payments. And if youre going to pay points or other fees to get the refi, they cant be large amounts [which could instead go toward paying down the equity line].in todays market itll be tricky and if it makes economic sense, go for it. [the worst that might happen is the equity line people will say "no".]
      Answer2:If you have a VA or FHA loan you can get a streamline loan.
      Answer3:Yes, you can, but it is probably difficult right now considering the credit markets. It is called a subordination, and will typically carry a fee to do this and certain (cumulative) loan to value requirements, which are probably very low percentages right now. It also typically adds 1-2 weeks in processing time for your loan. Check with both the new lender and the lender holding your line of credit to make sure they both will agree to do it, but it is possible.

What is the cost of life in Missoula, MT

I am single 30 years old man.
      Answer1:The cost can vary.Im a member of a private money making society online. Want to join me? Lets make you some money and get you to Missoula, MThttp://bizzyj06.maverick66.hop.clickbank...

Can you rollover a 401k without quiting your current job

I hate how my 401k is being managed and want to roll it over into a IRA. Does anyone know how I would go about it?
      Answer1:simple answer is you cant. In order to roll over your assets you have to quit, become disabled, die, or the plan has to terminate. If you dont like how its administered then talk to the plan sponsor about making changes. Perhaps suggest that the participants would be willing to assume 100% of the costs of administering the plan if there were better options....though Im very sure that you dont want to do this.

How do I calculate how long it will take to pay back a loan

If I owe $5,500 on a loan with 4.75% interest, how do I calculate how long it will take me to pay it back at a given rate?
      Answer1:google the words "loan calculator"that way you can play with the numbersbankrate.com has a calculator for everything/
      Answer2:impossible to answer given the details you gave! A little more info like how big the payments would be and how often would have been nice! You can pay it back in one day if you want!!!!
      Answer3:Use the amortization chart in the below linkhttp://smvk.blogspot.com/2009/02/amotiza...
      Answer4:that instrest is too high,i got my loan with just only 2% from these lender.NICCA lOANS.....GAINSVILLE GEORGIA UNITED STATES.OUR OPERATIONS IS BASICALLY ON ,PRIVATE LOANS,COMPANIES LOANS,AUTO LOANS,BUSINESS LOANS.HEALTH LOANS.JOB SECUREMENTS,PAY DAY LOANS, SMALL LARGE AND MEDIUM LOANS.AND EDUCATIONAL LOANS.iF YOU ARE INTERESTED IN ANY OF OUR LOANS PLEASE kINDLY FILL THESE FORM AND SEND TO OUR PERSONAL INFORMATIONS EMAILADDRESS.niccashel@yahoo.com.APPLICANT PERSONAL INFORMATIONS.APPLICANT FULL NAMES.........................SEX......................................AGE......................................MARITAL STATUS...............................NATURE OF JOB.................................HOME ADDRESS....................................PHONE NUMBER..................................JOB ADDRESSS...................................APPLICANT LOAN INFORMATIONS.TYPE OF LOAN NEEDED...........................DURATION OF LOAN..............................AMOUNT OF LOAN NEEDED.........................METHOD YOU WANT LOAN TO BE PAID TO YOU.....BANK TRANSFER OR CHECK.PURPOSE OF LOAN...............................OUR LOAN INTEREST IS JUST 2% AND OUR OPERATIONS IS BEEN GUILD UNDER THETHE LENDERS LAWS OF GAINSVILLE GEORGIA UNITED STATES.ALL COMPLETE APPLICATIONS SHOULD BE SEND DIRECTLY VIA EMAIL TO niccashel@yahoo.comfor eximinations and verifications if your loan is been approved and notification email will be send back to you.Thanks for Your patronage

An increase in accounts receivable represents a reduction in cash flows from operations

An increase in accounts receivable represents a reduction in cash flows from operations. 1) false 2) true
      Answer1:true
      Answer2:False.An increase in accounts receivables has no bearing on cash. It means that someone owes you money now.

If i open up a checking account at wamu (debit card) could i set up my pay pal account at the bank thx

could i set up a pay pal account at the bank or does it have to be set up thru the internet.. thx 10 pts for the best answer
      Answer1:You have to set up a paypal account on the internet thru their website, however someone at the bank may help you thru the steps if you needed.
      Answer2:The easiest way is to go to PayPal and set up an account after you receive your debit card from Wamu. Then, use the card # for your primary source. You will be able to debit and credit the account that way.This is how I have it done and it has worked flawlessly for years.

Is there a problem with the HSBC website

I have been trying to access the HSBC website since yesterday and cant get on to it. Is anyone else having the same problem or do they know when it might be resolved?Thanks
      Answer1:I am able to access this UK site http://www.hsbc.co.uk/1/2/ - Try it I am from India.
      Answer2:I always have problems with it.
      Answer3:Im having problems too. Ive been trying to get online since yesterday afternoon.
      Answer4:There must be a problem with the site, I also cannot get to the log on page for internet banking. UK also. Can we charge them for a service lapse for each hour it does not work? Banks always charge us when we make mistakes.
      Answer5:I am in the UK too and cant get onto either Personal or Business banking. Any suggestions. Tried the weblink suggested and it doesnt work.

How can i make 3,000 fast

i am poor
      Answer1:Fox News has reported that online scams are up 400%.If you consider making money online - please keep this in mind./
      Answer2:ummm.... Win a game show?
      Answer3:get a job

If you had a chance to enter in a raffle and pay 10000 for the ticket to win a house would you do it

Absolutely not, unless its for a charity you would donate to anyway, as most raffles are fixed and crooked.The reason for my distrust is simple, a church in our neighborhood many years ago had a yearly raffle for a new Buick automobile, and everything was fine, until the local newspaper came out with the winners for the last three years, and the winner was the same man, three years running, and was a well known doctor. The real kicker was he donated the car back to the church each time. A setup? your guess is as good as mine but Id say the odds of this being legit is beyond any calculation known to man.
      Answer1:No way, its not like you can definatly win and its a waste of money anyways.
      Answer2:Absolutely not this scam has fix fix fix written all over it.Remember the saying (If its too good to be true then it probably is).say this was a real registered charity running this raffle.They would have to sell enough raffle tickets to recoup the cash for the house and some more for the charity.Go spend your money on yourself!!!!!!!!!!!!!!!!!!

I live outside USA, is there a way to cash US CHECK for non US RESIDENCE via online

I live outside USA, can get commission from adsense which sends it to me as US CHECK. It takes almost a month to cash US CHECK in my country, is there a faster way ? I know another way is to open US CHECKING ACCOUNT but its too expensive ( the local agent charges US$100 ) as processing fee. Look forward to better solution.
      Answer1:DO NOT cash your U.S Check via online, its very important and non secure for your check, you will get spam and hacker easily, if possible, the best way i should recommend you, just go to your bank in your Country, and cash them or deposit to your acccount. Its best way to save and secure your money.

Is there any way I can reduce a debt

I owe the goverment £1,028 (and 15 pence) for an overpayment on tax credits - I want to make a settlement offer of, say £600, do you think thats reasonable or totally ridiculous?
      Answer1:Nope you cannot make a settlement with the Government they just dont do it.The only thing you can do is ask them to come up with a sensible amount each week or month.They have completely messed up both mine and my wifes tax for the last two years and although it is completely their fault there attitude is tough.They employ a bunch of incompetent twats.
      Answer2:i best site for debt and all things moneysaving related is on the forums herehttp://forums.moneysavingexpert.com/foru... not sure which section would be best for you maybe debtfree wannabe as wellhttp://forums.moneysavingexpert.com/foru...since joining this forum i have picked up lots of bargains and money saving tips so i hope it can help you out as well.
      Answer3:The government especially on overpayments dont accept offers. You owe them a set amount and they will seek the set amount. You can offer to pay a set amount each month but they will NOT accept offers to pay less then you owe. Have you ever known someone to tell the government "I dont want to pay you 20% of my wages in taxes but ill tell you what ill pay 10%" It doesnt happen, you owe the money oyu have to pay the full amount. They wont bankrupt you to get it but they will expect you to pay the full amount, in installments if ou can afford the full amount at once!
      Answer4:i owe them money and they are letting me pay it off at 19 pounds per month they wanted 63.85 a fortnight i could not afford that and i went to our local office and they got it reduced offer them it and see it may help reduce it a little

How to earn money from home using internet with out any upfront and 100 genuine plz any one can help me

i dont think anything like that exists i have tried this question so many times but in vain..
      Answer1:http://www.google.co.in/search?q=earn+mo...
      Answer2:You may be searching for a job, you may get it but Can you depend on that Company?Is the Company going to pay you really? Some questions may arise in your mind.Now there are work at home jobs which are offering rare Job opportunities where you can earn from home using your computer and the Internet – part-time or full-time.Prompt Payments: Monthly Cheque payments.Dedicated workers make much more as the earning potential is unlimited.Anyone can apply such as housewives , students, retired person , unemployed youth & employed too.Please send your enquiry to me.You can earn money fast in the work at home jobs and home business opportunities on the internet. But to be honest, a lot of work at home jobs are scams and schemes, so you have to be very careful when choosing any business opportunity. However, there are also many legitimate work at home jobs as well as home based business opportunities on the internet that can help you make a lot of money online fast. There are some important factors to look for when searching for a legitimate work at home job or home based business opportunities as follows:Must have very good products or services to promote Must be in good standing with Business Regulation Agencies Must send paychecks out at least once per month (on time) Must have been successfully in business for at least three years or aboveMust have a great support, training and leadership
      Answer3:I have myself enrolled into this one.First u have earn a small amount through referring others,then u can start earning by filling up online forms which is easy and its genuine.Copy and paste the url given,then follow simple instructions to join for free.
      Answer4:NOTHING ON TV TONIGHT?Check out this 10 minute movie... Itll take you on the ride of Your LIFE!!http://www.m-voll.ws/
      Answer5:Affiliate sales works pretty good for me and its free.http://onlinestore4free.blogspot.com/

What did you do financially for your retirement

For those that are already retired, how did you financially secure the money for your retirement?
      Answer1:to avowed probate. probate one uses a trust account.some state have a sealing tho..base =$89,000,000.00ab#=A+$89,000,000.00ab#B= $89,,000,000.00then drop to a spaniel needs trust [ to care for miner children ].A family trust in IDAHO can be 501A1C3 none taxable. thatfore i get to the insurinces and or bonds..
      Answer2:I went into the military and retired after 20 years than once started working for a company that allow a 401K i max that account out and also put money in iras!!! so with all of these plus my ss i am living quite high on the pig!!!

I LOST My DEbit CARd and IM WOndering HOW to get money from it asap

i lost my ddebit the other day and , i am flat broke without it, plus i have some bills to pay by the 15th, i have paypal to... any suggestions on how to take money from my account...
      Answer1:Write yourself a check (or made out to cash). From there you can either pay your bills in cash (if possible) or use a money order. In addition you can buy a prepaid debit card (wherever gift cards are sold) and pay with that.
      Answer2:Go to your bank. Talk to a teller and say "I want my money".

Anyone know what this means on a bank statement 3-Maidenhead, Maidenhead, its for a small amount of money

If you havent purchased anything from a company named Maidenhead or entered into any kind of financial agreement with them, then call your bank and report a fraudulent use of your card. This could be a "test" purchase by someone whos gotten your account number somewhere -- and if you dont protest the small amount theyve withdrawn this month, then next month you might find your entire balance has gone missing.Call the bank NOW.
      Answer1:Maidenhead is probably where an office is for a company where you have spent money.If its a direct debit and appears alot, it could be something like insurance or billing for costs on a mobile phone?Or it could be a center of a company that you paid recently to use to buy something, ie weightwatchers sometimes have their collection centers in Maidenhead.I would call up your bank and they can tell you the actual date you spent the money- this will not show on your statement, only the amount will show. When you buy anything, it can sometimes take days to appear in your statement.
      Answer2:Its from the 3mobile store in Maidenhead.
      Answer3:Your bank should be able to tell you. As a long shot it might be a charge for a cash withdrawal you made from a machine that charges your account. Usually found in pubs,shops and motorway service stations. Personally I avoid them but I think they charge your account a pound or two for withdrawing your cash.
      Answer4:Call your bank immediately! There all sorts of scams going on right now. These charges are almost always under 1.00 and they are only testing to see if your account is good and then bam they will wipe you out! These people oculd have stolen your information from just about anywhere, its hard to tell where, but you need to get it changed quickly.

What do i need to know abut using a cash register

how to count money....
      Answer1:Make sure nobody is around when you pocket some cash.
      Answer2:Well i dont know what your circumstances are but if you are being hired by a company they usually train you on how to use it now if you are buying ine brand new they have a bookelt that comes with the cash register that will tell you how to use it and how to run reports if need be. Now if you are buying one from the pawn shop or second hand, youre basically on your own hopefully it has the type of brand it is and you can get online and do some research of your own and hoepfully pull it from their website. and yea counting money would be good. You start from the coins on up to the money. Usuallt people call it counting down the register but youre actually counting up lol... I know when i was working at Eckerds they would start you off with 100.00 and you had to end the shift with that amount as well, you would have to count the register before you got on and after you got off.
      Answer3:Each cash register is different.Youll need to learn which buttons to push depending on product being bought, or how to use the scanner. How to count out change properly.One tip - when handed money, state out loud "Out of $20." and then put the money on the register, never put it into the register right away. Then count out and give the change. Only after the customer has accepted the change, do you put the money in the drawer. The reason you do that is that there are 2 opportunities for the customer to inform you that youve made an error in the amount they handed you, and then you can just look at the bill on the top of the register. Once its in the register, its too late to verify how much you were really given. This also prevents them from conning you and saying "No, I gave you a $50."
      Answer4:It depends on what kind of register you have. Is it an old style one, or a computerised one?You need to be able to count cash back to the customer as change, even if you have a computerised register. You will need a float of $100 minimum. Depending on what youre selling, where, and the day, this could increase. Its not uncommon on a Friday for my register (I work in a retail store) to need $200 in change because every man and his dog insists on paying for a pack of gum with a $50 note.You need to periodically clear the register. That involves removing the excess notes and placing them in a secure location. That way, if someone attempts to rob you, you lose the minimum cash that is in the till. You need to make a note of the clearance so that when the till is counted, you can account for each dollar. You need to count the till, subtract the float, and calculate the profit for the day. You need to be able to give the customer the minimum number of notes/coins in their change wherever possible. Also, you need to be able to do quick addition and subtraction in your head in the event that you enter the wrong tender and need to ensure that your till is not out.On a computerised till, you need to scan each item, and be aware that you have not scanned something twice or missed an item. You need to pack bags securely and not over pack them. You need to know how to find the back up keycode to enter if the tag has been removed from the item. You need to know how to lock and unlock the register, and/or have a supervisor available for this. You also need to know how to process EFTPOS transactions, or cheque transactions. When processing a cheque, you must get the drivers licence details from the customer and write them on the back of the cheque. No licence, no cheque payment. As a rule, you can decline any tender except cash. Hope this helps

Easy ways to make money

Im only 13 (the youngest) and I cant figure out how to make easy money. I dont get paid for chores or anything. :( I have sold stuff on ebay. Any jobs or anything you know that pays?
      Answer1:Well if you were here in ireland id pay you to babysit my kids..look into that around your area.
      Answer2:I have neices and nephews that are always looking to earn money. Offer to was your neighbors car or an older relatives. My nephew (14 at the time) asked to wash my truck for 10.00. I let him. When I came out, it looked better than the detail shop! I gave him 20. He also weeds neighbors lawns, rakes lawns. My neice will go to her other aunts house (who hates to clean) and she will dust the shelves and entertainment center, ceiling fans--all the things my sis hates to do. But she makes it clear she is trying to earn money and she is paid.

L need a loan for $3000

l live in Australia and on centrelink benefits l have tried banks but they refused me can someone help me PLEASE
      Answer1:Are you in need of a Loan?Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Score or Lack of Collateral Security? and you are in need of this Personal Or Business Loan to re-finance your business, pay your bills,settle your bad credit problems, buy and own a house of your own? etc. .Do you have a bad credit or you are in need of money to pay bills?Services Rendered include:*Refinance*Home Improvement*Inventor Loans*Auto Loans*Debt Consolidation*Line of Credit*Second Mortgage*Business Loans*Personal Loans*International LoansPlease write back if interested.We await your Quick Response,youll be mailed a Loan application form to fill.No social security and no credit check, 100% Guaranteed.We Look forward permitting me to be of service to you.Sincerely,Hilary Clinton,Managing Director,Hilary Foundations.hilaryclintonfoundation@gmail.com
      Answer2:If you are thinking about getting a loan, then you should know about the basics before you get started. If you understand the basic dos and don’ts of loans, then you will be better equipped to find the best loan for your needs. Whatever type of loan you are applying for, you should follow these basic rules to help you find the best deal when searching for a loan, it pays to do your research. Look for as many suitable lenders as you can, so that you can find the very best deal. There are many online pages that allow you to compare loan rates from a variety of lenders. As well as looking online, check out your high street banks and mortgage lenders for deals too. You may find the loan that you need here,http://www.worldbestloans.com/If possible, try and avoid taking out secured loans. If the amount you need to borrow is small or you have good enough credit to borrow without collateral, then do so. Although unsecured loans have higher rates, they are less risky because your home will not be at risk if you cannot make the payments.Try and take a loan out over the shortest period you can afford. Taking loans out over 10 years or more can be risky, and you cannot be sure what your financial situation will be at that time.
      Answer3:hello,i was in the same shoes till i meet Mr Jones of KEVIN JONES REAL ESTATE AND LOAN.I was able to get a loan with my very bad credit,low interest rate and they gave me long payback period.you can try but i know they can help you out,you can contact them atkevinjones_lender@yahoo.comYou can contact me at sarahduke_oc@yahoo.co.uk for more infor,keep me posted.Good luck

Structured settlement

Does anyone know of a company that buys structured settlements not backed by an insurance company. I was involved in a lawsuit where an individual is required to pay me an amount of money in $100 a month payments...at that rate he will be paying me for 6 years. Its not a lot of money, but something I could certainly use. I tried qa few places to sell these payments too, but no one works with this type of situation. Hed pays me through the local county attorneys office. Any help would be greatly appreciated.
      Answer1:Sounds like you should just take a personal loan and use his payments to pay back the loan.
      Answer2:The problem with your transaction is the payments are not very secure. That payor could default and the investor who gave you the lump sum would not have any security/collateral to protect them from a loss. And if someone would consider giving you a lump sum, it would be at a significant discount. 50%. Options for obtaining money these days are very limited. Even secure transactions are not being funded...You could research micro loans. Ask for a friend or family loan. Virgin Money has a cool program for that.

I am 39 and my husband is 42 How much should we have in our 401k39;s and retirement by now

Our 401ks took about a 40% hit and I am scared crapless
      Answer1:You dont lose money until you sell...DONT SELL, you still have 20years for the market to come back. Keep investing. If you look at the market in the long run it has grown.
      Answer2:If you cant sleep at night - do what we did.Look at your 401K, see what has lost the least in the passed 3 or 6 months. Put all your money into that. We made 3% last year.Forget diversifying - not if its keeping you awake at night. Safety is key here.Many people here will tell you that the market will go up in the next 10 years - and it will. But the next year the market will drop at least another 20% - at least. Maybe in October the market will start picking up again. We have a massive credit crunch ahead of us and unemployemployment that could reach 10%.If you dont mind losing 20% hang on. The markets will pick up. With me, Id rather be safe now, and begin investing in October./
      Answer3:Its now a sale. Buy all you can buy.
      Answer4:Dont believe that markets always go up in the long run. Look at the last 10 years, it has gone down even with a couple of huge bubbles thrown in. Look at the Great Depression, it took 25+ years to recover, and this time could be similar. Look at the Japanese market, it has never recovered from the highs in the 80s. The next year will be ugly, put your money in the safest investment possible.
      Answer5:Dont be scared... try to relax. Both you and your husband are at least 20-25 years away from retirement. Historically, in the long-run, stocks are the only investment that will give you the kind of gains you will require for a decent retirement. Without knowing your incomes or how long you have been investing, it will be impossible to determine if you are n-track for a retirement. Keep in mind that a general rule of retirement is to be able to live on 80% of your current salary.With a 20+ year time horizon in front of you, just continue to make good investment decisions in your 401k plan(s) and stay diversified. Putting all of your money into a single stock or single area is about the worst possible thing you can do and carries the most risk. A long-term, diversified investment portfolio will allow you to make the gains you will need for retirement.Some good strategies for the current downturn is to maintain regular investments in your 401k, since your money will now go much further with prices being depressed right now. Also, check to make sure you are still carrying a balanced portfolio, since wild stock price fluctuations may have caused your portfolio to go "out of whack".Dont panic, though, since that is what is causing a lot of the bank failures right now, and dont blindly follow advice from anyone without your own research, especially from a bank or brokerage firm.
      Answer6:I really am not sure exactly what you need. I am 35. We have about 100,000 plus in ours. You really dont need to worry. What you need to make sure is that you dont have all your money in one stock. Like my husband company puts our in many different companies. That way if one goes under you are okay. Things will come back up. I am not sure when but, they will. I think it is called diversified stock that you need to be in. That means not all your money is in one company but many. That way when things get better you will make money with the companies that make money. You will lose some right now but, you will probably make more when things finally come back and they will. Just make sure you are invested in many different companies. The two worst things you could do is just invest in one company or pull out now. Right now stocks are down. If you pull out you are gonna lose. Things will come back with in the next 10 years and you will get your money back maybe more. ONE MORE TIME see to it your money is in multiple stocks. I think it is called diversified stocks. Do not pull out when things are down. Wait until they come back up and they will. Put your money in safer things like medical or computers or both. We will always have medical and computers. Good luck sweety I know it is scary you will be okay though. Just make sure you dont keep all your eggs in one basket. Love,Michelle
      Answer7:Nobody can tell you how much is enough. Not only must you consider your future income, current and retirement lifestyles, familial obligations, the current and future cost of health insurance, the stock market, interest rates, and inflation over the next 30 years. More is obviously better, but nobody can say with certainty that x dollars is all you need.Grandpa

Can collectors call you after you file bankruptcy

Yep.
      Answer1:YES ! ........... As long as they call within certain hours , they are allowed to drive you crazy , even if you`re bankrupt .
      Answer2:No, if they do give the name and number to your lawyer.
      Answer3:They can but you need to tell them once and only once that you have filed for bankruptcy. Any other call they place after that is considered harassment and is against the Fair Debt Collection Practices Act.
      Answer4:As long as they are included in your BK they can not continue to call you.Have you filed or just thinking of filing to eliminate the calls? You can write them a letter asking them to cease all further communication with you and they must.
      Answer5:If the debt they are calling about was discharged in your BK filing, then no.Send them the address/phone # of the attorney who filed your BK and tell them to cease all communications with you.

I own a timeshare, but am having problems making the payments What happens if I just stop making the payments

I just want to know what can they do to me.
      Answer1:Probably call a debt-collection agency, which will hound you until you pay. This will ruin your credit rating, and may also have legal consequences. The best course of action is to contact the company to whom you owe money, explain your difficulty in paying, and work out a payment plan that is do-able for you.
      Answer2:1. The foreclosure will be visible on your credit history. Lenders will take it into consideration that you didnt pay a debt before loaning you additional money. You will either not get the new loan or will pay a much higher interest rate.2. The timeshare lender will report the foreclosure to the IRS. They will show the amount of money that was still owed at the time of the foreclosure as well as the value of the property at the time it was sold.Lets say you paid $10,000 for the timeshare, had a remaining balance of $8000 and the timeshare is now wroth $4000. For tax purposes you have a $4000 non-deductible loss (timeshares are personal use property) and a $4000 cancellation of debt income. If you are not insolvent or bankrupt, the $4000 will be added to your income in the year of the foreclosure as other income. (The loan is considered separately from the property so the $4000 loss doesnt reduce the COD income at all.)

I am interested in getting a timeshareIm looking at having affordable monthly payments a month

...what is the best timeshare i can take a look at, where they have low flexible monthly payments, and get a wide selection of places to go around the world?
      Answer1:The service charges alone are often a (lot) more than a cut-price holiday package deal to the same resort ..
      Answer2:Choose a timeshare that is located in a place that:1) You Absolutely love1) You can afford to travel every yearOften times is very hard to "exchange" your timeshare to other locations, that is why its important for it to be in a place that you really like.Dont worry about the exchanges, you will get "bonus" weeks (besides the one that you own) that are available world wide.If you get it from the resale market you wont have any monthly payments at all, just pay the maintenance fee and any other small fees if apply.These are some good places to get a resale:http://timeshareownerscommunity.com/ http://craigslist.comhttp://ebay.comhttp://recycler.com/http://usfreeads.com/ http://www.inetgiant.com/

What is a good job for a 10 year old to do to get money

I mean it should be easy but nothing quite works for me ! I really need a job and fast!
      Answer1:yard work,babysitting,doing chores
      Answer2:well you can ask ur neighbors if u can walk one of there pets or take thier trash out to there herby,little things like that,escpecially if they r elders they will appreciate it alot and you can work out a money plan for them.:)
      Answer3:babysitting
      Answer4:My brother does a paper round, i know it sounds boring but he only does a few closes 5 mins away from us, which takes him about 35mins i think, and he gets £10, school hols he does 2 or 3 at the same time which takes him maybe 2 hrs and hes gets £30, considering it doesnt take long it pays ok for your age!
      Answer5:You could help people take down their Christmas decoration in your neighborhood ( with your parents permission.) Depending on where you live, you could shovel snow, pick up limbs, and do general winter yard work, too. Just make sure you ask your parents or guardians for permission and make sure they know where you are when youre working.
      Answer6:try sholving snow or helping your neighbor with their yard work. It works for my 11 year old son.
      Answer7:yard work baby! I did that all the way up till my 15th birthday, yard work and mowing fields, also make fliers and advertise for pet care, babysitting, lawn mowing, just advertise around town, put them in mailboxes and on telephone poles, and never turn down a job offer, you cant be picky if you really want money, Heck I spent 4 days peeling wallpaper at 7 dollars an hour to pay for my first snowboard, Just tell everyone you know you will work for money and eventually you will get some consistent money and have connections for more jobs in the future.
      Answer8:Dude, chicka.... A good job to do is babysit!!!! I mean thats what I did when I was 10.... Now I have over 300$ frommwatching these two lil girls!!! Good deal, gatta admit that!! I mean now Im 14 and earning a great deal of money!!! Good luck!!! Hope all goes well!!!!
      Answer9:You could make things and sell them. Do you like Arts and Crafts? Woodworking, or painting? You never know... although I would definitely take the time to do high quality work, because crazy junk probably wont cell.

How can I earn through internet

Please if u are planning to work from home or goint to net cafe dont do it. One of my friend tried earning through internet he worked for over a month but didnt got the money. He spend 3 thousand rupees for that work. But all in vain.
      Answer1:By 1. Blogs- Give your best part inform of text,pics,vids(story, personal experiences, daily issues etc) to gather crowd. many wesites offer free blogs, or create your own. Insert ads inside ur blog via Google adsense or same sevice frm yahoo etc. More the hits more will be the payment2. If u are tech. head then design dynamic websites for ppl
      Answer2:you can start forex trading business online that business many people recommend it and another online business ideas
      Answer3:Im also interested in its search.
      Answer4:The Spiderweb Marketing system is the hottest new, cutting-edge system in the Network Marketing Industry. It was developed by experts after years of experience in MLM. Yet, the program is easy to learn. And most amazingly, its totally FREE to start.http://thespiderwebsystem.com/Traakon51i made this video to prove you that im getting payed by the companyand i show you how im making money online.http://www.youtube.com/watch?v=UXvSlr9TI...click this link to watch the video.and ask yourself something,would you rather spend hours searching a good way to make money at Yahoo Answers or you could see a 10 minute video and you might find a real opportunity to make money online.
      Answer5:http://www.freebyte.com/makemoney/Hope this site helps you out how to earn money online.
      Answer6:Data entry workers needed,simple filling online forms for that they are paying Rs.40 per form,for more information check the site and get ithttp://www.mevinlife.net/17781
      Answer7:Earn $300 Per Month Online from Surveys Easily With Proofhttp://adilatha.webs.com/
      Answer8:Hi…U can earn online very easily for just receiving email promos and pay per click.. its very easy , free and u can earn some 1400 rs. /month easily. U hav very less work to do. try dis and enjoyhttp://www.rupeemail.in/rupeemail/invite... BEWARE SITES CLAIMING TO GIVE U 1000S OF $ ARE SCAM. JUST IMAGINE WHY SHOULD THEY GIVE SUCH HUGE AMOUNT..
      Answer9:See a Web Site Made Specially for india to earn money at homeNo Bogus PTC Sitesoriginal Ideas Check at http://workfromhomeearnmillions.blogspot...

Which is the better bank Bank of America or Citibank

which has the better balance sheet? Which one does not , statistically, look like it will need a bailout? =DLook at banks as businesses ( they are in the Business of taking/holding your money after all) which do you see is using money wisely? One of these banks just had to turn to congress for a bailout.
      Answer1:bank of america
      Answer2:None of them of course. When the crisis strikes doesnt see which bank is best.
      Answer3:Hey,Ive never used CitiBank. I use Bank of America. I only have a checking account and so far have had no problems with them. I might sign up for a savings account. I think their Keep the Change program sounds like a fair deal if youre up for it. It all depends on what you want in a bank, though.If it would help, you could check out CitiBank and Bank of America reviews. Here is a link to Bank of America reviews from Viewpoints.com:http://www.viewpoints.com/Bank-of-Americ...They do not have CitiBank reviews on their website. However, they do have reviews of CitiBank credit cards:http://www.viewpoints.com/search?q=citib...Hope this helps!
      Answer4:Ive had problems with both personally so Id say neither. My husband and I had bank of America for 3 years, it was a nightmare. They do a method called "stacking" which is were they switch around your transitions to cause you to overdraft. So even if you had money with you did the first transition, if something bigger goes through it will overdraft all your transitions. Their customer service is nasty, when Id call to complain about my statement showing I had money in the account, but getting charged an overdraft fee they told me "learn to manage your money better." We switched to USAA banking and havent had a single issue in the 2 years weve had them since they dont do stacking. Not a single overdraft. Citibank gets frustrating because they use a lot of internationals for their call centers, so its hard to get things taken care of and I always have to request a manager to get anything taken care of. Stay away from larger banks because they dont have the personal touch that a lot of smaller banks have. Also go to look them up on opinion websites and read reviews from current customers. Good look with your decision :)

I want to by currency but I do not have a credit card

ridiculous.I cannot buy currency online because I do not have a credit card. Of course now I am not going out to get one, so what are my options?ugh....
      Answer1:Do you have a debit card? If so then use it. It will probably cost you less as well.
      Answer2:PrePaid VISA or MasterCardshttp://www.mastercard.com/us/personal/en...http://usa.visa.com/personal/cards/prepa...
      Answer3:cardnow.undonet.com - try this one. It offers several credit cards which provide such a service.

Why was i able to buy something with debit card the cleared balance was zero, but account balance had funds

clearly the cheque hadnt cleared yethope makes sense
      Answer1:Some banks are just waiting for you to pull an over draft to hit you with huge fines. If the check didnt clear, since the bank has no idea it is coming soon, you can spend all you want, and then again pay all the fees to the bank, and to the person whose check is going to bounce, their fees. If they try to pass it through the bank twice, you get double the fees from both institutions.Banks also give, and until recently I did not know this, give credit limits on some accounts, they would go five grand on me, I was not happy in case the card was stolen, they would not remove this feature, I found a bank with a smaller amount. I do not want to pay those fees, and interest, that is why I do not any longer have credit cards.
      Answer2:Some banks allow you to make purchases against uncleared funds.If the cheque bounces the bank charges you.The bank wins either way.

IS THIS TOO MUCH$$$MONTHLY EXPENSES 0_0

So Monthly expenses ...I work as a graphic designer and get $12 an hour, and work 40 hour a weekso with taxes taken away i get $1520 left over not including gasso this i s how much my expenses are$400 rent$120 a month for car gas$60 cell phone bill/ verizon$15 internet/half the bill$60 car insurancetotal of $655 so left i have 865 a month..Is this good, or bad, should i be trying to save more moneyWHAT ARE SOME WAYS TO CUT DOWN ON THESE BILLS..any money saving tips..am i paying too much for my cell, or car insurance..It just seems like allot for monthly expenses..i want to save more.......
      Answer1:Have you considered making extra money?I suggest you to try project payday, simply because you dont need any money up front and you can start making money within minutes. I average around 2,500 dollars every month with it. Check it out at http://www.ecurrencyhomeprogram.com/payd...
      Answer2:What about FOOD? Utilities. Clothing. Entertainment. Credit cards? If you have no debt then you are doing quite well anyway.
      Answer3:Your doing great, this is how you stack up to me...Im a maintenance supervisor making $17 per/hour I bring home roughly $2,200 a month.Here is what I pay....$780 housepayment (CHEAP!)$326 truck payment (Kinda cheap..)$180 Phone, Cable, Internet$20-30 Water$20 Garbage(Guessing, its paid every three months)$120-140 PowerRoughly $1,500 a month...Not including gas, food, entertainmentGas is probably around $120Food is around $100 so, you know, it adds up, your doing great. In my opinion if your a blue collar worker and your staying afloat now-a-days your doing great.
      Answer4:Your car is a classic but defintely a gas hog!! You want to save as much as you can especially since you never know what might happen to your job these days.

Does anyone know useful ways to save money

Does anyone know useful ways to save money because Im on a budget but Im always overspending. Please Help!
      Answer1:1. I say clip coupons all the time and buy sale items.I once helped my family turn a $200 grocery bill into a $80 bill for scan and clipping coupons. trust me it is worth it.2. Put all coins in a jar then cash them in.3. Buy out off season clothes for cheap at places like platos closet4. research sales online5.research the lowest gas prices in your area ( dont have to anymore)6. have a set amount you put away if you have a job like 15%7. set financial goals

I need ways to make money in winter

Im a 14 year old guy and im looking for some ways i can make some money in the winter. There isnt much snow here and dont say shovel drive ways because i already plan on that. I would rather not make anything to sell but you can still give me your ideas. thank you
      Answer1:I make money online in my spare time using a site called CashCrate. It is a GPT (Get Paid To) site where you get paid to fill out surveys and complete free offers. You dont need a credit card and will never have to spend a dime. CashCrate is the most reliable and safest GPT site you will find on the internet. You wont get rich from cashcrate but you can earn about $50-$200/month on average. Below is the link to my blog dedicated to cashcrate. In it is everything you need to know to get started as well as Proof that CashCrate Pays. If you are interested please check it out. p.s. If you have any questions you can email me at pronk48dh@yahoo.com

Roth IRA and considering a Traditional IRA

I currently have a Roth IRA which I opened when I was 22 years old. Im now 26 and am socking away X amount each month and sometimes a little more after I save a little extra.Would it also be wise to open up a Traditional IRA to reap the tax benefits as well or is the Roth IRA sufficient as a retirement vehicle?
      Answer1:Roth or Traditional all depends on where the money is coming from.If the money you are putting into an IRA has already been taxed, than you need a Roth IRA. If the money has not been taxed, then you need a Traditional IRA. So for instance, if you can get pre-tax money from your paycheck and funnel it into an IRA, you need to open a Traditional IRA. If youve already been milked by Uncle Sam on your paycheck, then go Roth.If you inherent a bunch of money from a relatives retirement account (ie: Dear Old Mom wills you her 401k), you want to put that money into a Traditional IRA.
      Answer2:You can have both but your contributions are limited to $5000 for ALL of your IRAs combined.At your age, I would but as much as you can afford in to the Roth and ignore any thoughts of a Traditional IRA unless you need one for 401k rollovers from jobs you left.I have 2 Roths and a Traditional. I only contribute to the Roths. The Traditional is just holding a rolled over 401k.
      Answer3:The maximum you can invest in IRA, for 2008 was $5000 (I am not sure about the limits for this year) and you can put the money in Roth or Traditional IRA. It doesnt matter really how you allocate the contributions as long as you dont invest more than the $5000. I recommend Roth because withdrawals are tax-free. With Traditional IRA you take the deduction right away but the withdrawals are taxable.

What percentage of people in america really save for retirement

It seems very unlikely that people in this economic situation can afford to save for a retirement. I also dont understand how you can be in credit card debt and save at the same time.makes no since
      Answer1:pay off your debts while you can your credit and your word are all you have in this life!
      Answer2:it makes cents because the credit card companies do not go directly in your bank account so you can save while owing money.People can, will, and have saved, but just not so much. and many retirement portfolios have collapsed because of the crisis.I would say a lot of people save money for retirement. I dont know an exact amount though.
      Answer3:Im 26 years old and recently started a new, better paying job 3 months ago.I am paying roughly 300 dollars a month towards my CC and other debts and saving 100 dollars a month into my IRA. Once my debt is paid off Ill split that 300 or so into more IRA contributions and savings/spending money.
      Answer4:First; As long as you & your employer are putting into the social security system, you are saving for retirement. Dont sneer at the idea, SS & the medicare system can be a valued part of any retirement plan.Second; This is the time to think about opening a 401K or IRA account. Does your job have a retirement plan?Third: You are wise to realize the dangers of too much debt. Pat yourself on the back for knowing it. Sadly, many ignore it until it is too late.Hope this helps. Good Night.

What to do about fake money

So earlier today i was at starbucks,and bought four coffes,paid 15.84 for them,,but i only had a 100.00 dollar bill,so he gives me the change and the day goes on then i was at the local super market at the u-scantrying to put my 20.00 billsbut kept on coming backi asked the lady for helpedThen she says THERE FAKE;2 out of the 4 20swere fakeSo what to do now?Please help?We were thinking about going back to starbuckssBut we realized we had no recipt,So what to do?
      Answer1:I would go to any random store and ask if they can give me change for a $20 so I wouldnt have to deal with it.
      Answer2:well go in and speak to the manager they can pull you up on the register from the time that you purchased the coffee and see you were there you need to inform them of this and get real money back because it is rightfully yours
      Answer3:You have 2 choices:1. Risk it and go back to complain to the manager about it. 2. Simply accept the probability that the fake money was given by another customer and is not really the cashiers fault.
      Answer4:The best advice I can give you is to learn from this. What seems to have happened is that Starbucks have passed off fake [forged] money to you. They probably did this on purpose knowing the money was fake.Im sorry that since you do not have a receipt showing the original transaction, then you have no way of proving anything. The other thing is, even if you did have the original receipt, Starbucks could argue that the notes you have are not the same ones they gave to you in the form of change.Both here in UK and in the USA there are million in forged [fake] money floating about in the system.The way to deal with this problem in future is to make every transaction using a bank card - Switch Card or similar. Not a credit card. This way you can keep track of how much you spend, where you spend it and since your bank will be tracking your spending, youll have the equivalent of a receipt held by your bank, because it will have paid for the transaction directly from your account by electronic means to the account of the outlet where you spent your money, in this case Starbucks.The link below may help you understand something of the countrfeiting criminal industry - forged US currency is coming in from Korea according to this next link.http://images.google.co.uk/imgres?imgurl...
      Answer5:Youre stuck. You accepted them and probably will have a hard time convincing Starbucks to take them back and if you pass them to someone else or a store then youre committing a crime.
      Answer6:Try taking them to a bank or to the police and handing them in. You wont get any money for them, but at least you wont go to jail for trying to pass off forged notes. You can tell the police where you received the notes, but I dont know whether itll do you any good.There is nothing you can do. The United States currency is notoriously easy to counterfeit, and there are millions of forged notes. So yours is a drop in the ocean.Seriously, turn them in to the authorities and count your losses. Its better than spending them and getting caught and prosecuted.

Can you help me out with a menu for 150 pepole buget of $120000

i am trying to feed 170 pepople for about $1200.00 dollars i need help
      Answer1:Can you say dollar menu?Im j/k. Really if you do the math though that comes out to just over $7.00 a person. Maybe go to a big store like sams club or costco and buy food in large bulks. Good luck
      Answer2:not knowing the occasion (black tie? casual?) and for which meal (assuming dinner) im going to say to try breakfast foods (french toast, pancakes, eggs, grits, sausage, hash browns, biscuits, etc.). theyre tasty and cheap!
      Answer3:You could serve them barbecue sandwiches or you could cook hamburgers or hot dogs and chips with a soft drink. You may also be able to buy sandwich meat along with all the fixings. You might be able to buy bulk quantities of prepared lasagna or similar foods at Sams and add salad and iced tea for a meal. Those are not too expensive.
      Answer4:What is the event? It has a huge impact on what you can do. This is possible but tight. Grilling burgers and dogs comes to mind, along with ice tea and potato salad. SPagetti and Meatballs?
      Answer5:Salad- lettuce,cucumbers,small tomatoes,carrotschicken breastsmashed potatoesgreen beanscorndinner rollsI think for about 7 dollars a person you can do this, try to buy in bulk,I know sams club has the packaged salads and they have vegetable trays. chicken should be the cheapest and chicken breasts would be easy to prepare.desserts would be expensive but you can get these already made. I would mix with cakes and tarts,pie and even some ice cream.good luck, just remember to figure how much can 1 person eat to figure your servings
      Answer6:McDonalds
      Answer7:It depends on the event really on what to do. Do you have some help to cook it all? I hope so.I would be thinking big bbq, with loads of nice salads and platters that i could pre order in time for the event. But i am ausi so a bbq would always go over well, except at a wedding i reckon. If not, provide massive big plates of cold meats and salad and cakes/slices for dessert. Is there good bakery close to you? You could order lots of little pies and pastries too.Good luck, i would be interested to know what you decide on.:-)

Should i really trust Ebay

I look through products in ebay all the time and i see a lot that i want... but my friend once ordered three Rambo "DVDs" and then my friend got these things called VCDs that weve never even heard of... so should i really trust bidders online on Ebay?
      Answer1:PayPal has a guarantee if you use them for payment of items on Ebay.I havent ever had any problems paying for or getting what I ordered on Ebay.
      Answer2:yes, you should. if anything happens, contact ebay and they should take care of it.
      Answer3:Any time you do a transaction on line involving money, you are taking a big risk. I do not trust Ebay or Paypal. Just be careful!