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.