Yes i would like to know how i start a payday loan business? thanks?

While I agree with the poster above, let me answer your question. You will need capital to start making loans. You can get this from cousins and/or family. You will need to apply to become an S&L with your state as well as file to incorporate.

I've bookmarked this site to go back to...

http://www.safelinked.info/go.php?link=l…

All the best to you.

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Hi.
I am Susan Holy and i saw your question about needing a
loan,In the internet they are a lot of scams out there.I decided to
answer your question to prevent you being scammed. I got a loan
of $34,000 from an agency online and i was lucky not be
scammed. Contact them via email dangotiloancompany@yahoo.com

My name is Mrs Jennifer Lunn and life is worth living comfortably now for me and my family now and every day of my life now, i sit down and smile and thank GOD for saving us because i am a mother of three kids and i my husband encountered a terrible accident in the past that made him suffer from a serious spinal cord injury that have made him to be unable to stand, walk or work and his doctors states that he needs to undergo a delicate surgery for him to be able to walk again and we could not afford the bills for his surgery and his medications costs us so much weekly and i have been solely responsible for the up keep of the family ever since and life felt so hard and it to a point we have no funds for our rent we were about getting evicted from our house by our landlord and we felt so terrible as we could barely eat until one very faithful day, i was browsing through yahoo answers and i came across a loan lender Mr Clarke Williams who provides loans at an affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $200,000 USD and we payed our rent and
did not get evicted from our house and my husband had his surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Clarke Williams and i will advise anyone in genuine and serious need of loan to contact this GOD fearing lender via clarkeloanfirm82@yahoo.com
My regards,
Jennifer Lunn

Honestly its a last resort and it can be a lot of interest payments. But if you need one you need one. Hope you get what you need.

Would this site be able to steal my credit card? I have no idea how to tell.?

http://www.adventureson.com/ is the site. They do not use Paypal. They have really good prices, and I was referred to them by another site (tcgplayer.com). If I give them my card number will they be able to steal from me?

Thanks!

-VVV

Any site *could* steal your credit card. So could any worker in any shop where you make a purchase. The point is, most of them are not likely to do so.

The site's been in business since 2003, and they're an officially authorized Magic: The Gathering dealer. Those are both reasonably good signs that you could trust them.

The bottom line is, *you* are the only one to decide whether you feel comfortable ordering from them or not. Maybe you could buy a prepaid card to use when you place your order, and that way they won't have access to your real account.

make sure the site direct you to https when you pay for something

Would a laptop be able to be counted as an educational expense?

Was reading that this and next year student's get 100% refund on first 2,000 spent on educational expenses...and 1000 credit if you didn't make enough to file this year...would a laptop be able to be counted as an educational expense or car? Or is it just for books and stuff like that?

The American Opportunity Act says that the credit applies to "tuition and related materials". The IRS has decided that the phrase "related materials" includes a computer *IF* the school requires students to have a computer in order to enroll in or attend the institution:

http://www.irs.ustreas.gov/newsroom/arti…

I would ask ur financial aid office.I went to school under whats called vocational rehab (helps disabled ppl with financial help return 2 a career) and they paid an allowance toward expenses and it covered things like software and certified exams after course completion but not laptops or computers.

No.

Tuition is what is on the tuition bill. It doesn't include books or laptops unless explicitly charged by the school.

A car is a commuting expense and doesn't count.

A laptop is an eligible expense to use money from a 529 plan for, but not for an education credit. A car doesn't count for either.

car-no
laptop-yes

Will there be any penalties on me for mom's debt?

Well I had to open an account under her name but in my name also kind of (just that I couldn't declare it my very own because my ID wasn't made yet).

Now that my ID came in I want to go make it my very own account. The thing is my mom hasn't been paying her debt for certain reasons and so now they told her she has until Dec. to make another account or something or else they are draining all her accounts (and I'm under her account as a student account).

When I try to remove my mom's name from my own account will they still let me even though it's primarily under my mother's account (making mine almost like a sub-account) and she's avoiding payments? Will they be able to stop me from doing it? I want to so if they do drain the accounts, mine won't be affected.

Please help as I have trouble understanding how banks work! (btw we use Bank of America)

Thanks!

Yes and they can take all the money out of your account. Drag mom down to the bank to close that account and open one in just your name

Just close the account and open a new one in your name only. That's what they do anyway when you want to remove one person from an account they give you a whole new account.

Will buying something from Rent-A-Center improve my credit?

No because they don't report positive transactions to your credit. In fact they don't check your credit to begin with. It will not help your credit.

You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - creditreport.imess.net

Why would my credit report look good on Equifax and not Experian?

My credit reports looks good for one agency.
I have a loan in really good standing that is being reported by Equifax on my credit report but when I look at the other, it has no history of the loan. Should this loan be reported to all three of the agencies?? Or is it up to them?

In order to work with a credit bureau, a lender must be a subscriber to their services and this costs money. The lender in this case only subscribes to Equifax. The bureaus only know what their customers report to them. They do not go out and do independent research.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

The choice of which (if any) credit agencies to whom lenders report is purely their choice. There is no requirement for reporting to all three, or to any, for that matter. That is why lenders generally observe all three major reports. It's the only way they get a true indication of what is going on in your credit life.

Obviously the loan that looks good is only reported by the lender to Equifax and not the others. If it isn't reported to them, they are not aware of it.

That is why there are 3 agencies. Your lenders ARE NOT required to report you to all three.....in fact they are not required by law to report you AT ALL. It is up to the lenders as to WHO and WHEN they report you.

Why does having a balance of zero on a Credit Card bad? I paid all my bills on time and never missed a payment?

I was told by a friend that completely paying off my Credit Card would look bad on my Credit Report? Why? I paid what I owed. So why am I being punished for paying my bills?

Well, it's not always.

If you have a lot of available credit, you could get yourself into debt. So, if you try to buy a car they may worry that you will max those cards and not be able to make your car payment (or whatever).

Maintaining a card or two with zero balance is fine. Having 10 is a problem.

Okay, this one is very simple.

Your credit score reflects your ability to handle debt. If you pay everything off and do not use your credit, that is hypothetically a blank spot in your usage history.

Your credit score is best when you have very small amounts of installment debt, a mortgage, and have one to three lines of revolving credit, most of which have a zero balance...the last ONE should carry a balance of around 10%. That shows you can handle a mix of credit and don't need it.

Your friend is wrong. It works in your favor to pay it off - However, you do need to use it regularly and pay it off. Not just keep it at a zero balance.

When your credit is checked, they are looking for a solid payment history (among other things like available credit) - If you don't use the card, you don't have a payment history to go by.

Use it at least once a month and pay it off every month and you'll be fine.

Your friend is totally wrong.

I have 3 credit cards that I use every month for just about everything I buy and always pay them off in full before the due dates.

In the last couple of years I have raised my score over 150-points, never paid a penny in interest or fee's and made several hundred dollars in cash back rewards.

And if you think about it there will always be a small balance to be reported due the the difference between the billing and the due dates.

Make the credit card companies work and pay you not the other way around.

Use their money for free and get paid for it at the same time.

Naaaah.....Not so bad. ONE of the factors of a credit report is your debt to credit ratio. If your credit exceeds your debt by miles then you in there like grandma's foot in collard greens.

The banks are the ones who frown upon this, as you are not paying any interest to them. What you do is pay an expense on your credit card like lights and water or something. When you get paid, pay off the total balance in full. This way you will establishing a good credit history as it will documented that you pay your bills on time.

P.S.

Eat lots of fiber

That is completely false. It is very good for your credit score to have a zero balance. It is also a smart financial move on your part to avoid paying interest.

The only time that will come into play is if the bank decides to cut the less profitable accounts. They will not be making any money off of you so you may end up on the cut list. Doesn't matter though. If you keep your balance zero and your credit good, you always have other options.

Your friend is 100% wrong.
The best way to get top 800+ scores is to charge a little something each month and pay in full when the bill comes in the mail.
I am proof this works.
You never pay a dime in interest and get top scores.
Carrying balances can actually ruin your credit - in some cases it can destroy lives.
No need for carrying balances.

There is a myth out there that carrying balances is good.
I think it was started by ladies that like to watch QVC.
/

I am in the same position as you

its good for you, and me
but bad for the banks
because we clear any balance, the bank makes no money from us
so, really we are not "good" customers, as we never borrow any money to pay interest on, which is how they make their money

It isn't. Stop listening to this boyfriend. He's obviously no expert in financial matters.

Carrying a balance on your credit card is only good for the credit card company, because they get to charge you lots of interest.

It's not that it's bad to have it paid off (versus carrying a balance)...it's just viewed as potential for additional debt.

Simple answer: your friend is wrong.

Could be that your friend is jealous?

Why did the free credit check ask me to pay?

I need a credit check on myself. I have done this in the past, and never needed to pay. Does anyone know of a free credit check without giving a penny?

if you are looking for the free credit check usa national site, check out this site

http://free-credit-check-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

Go directly to the Credit Reporting Agency and request the report from them. They will try to sell you MANY different "Credit Reports" but you are legally entitled to 1 (one) free credit report per year but that report will not have your credit score.

The agencies are: Trans Union, Equifax, and Experian. Put a .com at the end of any of those and you'll get their website. I suggest using Equifax.

Do not go to the one advertised on TV. http://AnnualCreditReport.com is the offical place to go for your government-mandated free reports. You can also go to each credit reporting agency individually to request them, but you'll have to hunt around the web sites and read carefully. In any case, you will have to pay if you want a score as well.

annualcreditreport.com
It's free - always have been free

These TV commercials and scam sites will charge your credit card horrendous fees on a monthly basis for something that is free.

Print out all your 3 reports and review them carefully.
1 in 3 people have errors in their reports.
If you ever consider buying a house - then you can get your score.
Go to 1 of the 3 bureaus sites and pay a one time cost of $7 for your score.
Keep in mind scores are practically useless.
FHA doesn't even use them.
They review your reports in detail and make their own decisions.
Sweat the reports and knowing how to keep pristine credit - don't worship a silly score.
/

The free credit report is at http://www.annualcreditreport.com and does not require you to pay for the report. However, if you want a score as well, then it will ask you to pay for that.

The better-advertised site with the word free in its address offers a "free" report only if you agree to accept a "service" for which you are charged monthly.

Why are YOU in favor of "public option" health insurance?

Because the "public option" is ONLY going to provide coverage for about HALF the currently uninsured people right now - at the cost of about a TRILLION dollars.

How can you back something that's going to leave 20,000,000 uninsured, and decrease the quality of care for hundreds of millions of others?

You spout numbers as if they're fact...any health care bill is a LONG way from becoming law. Relax.

You need to get your facts straight. The public option is for people who do not have (or cannot get health insurance). Right now there are approx 46 million uninsured folks. About 45,000 people die every year because they do not have health insurance. Right now our country spends 2 to 3 times more than any other developed country in the world and yet we are ranked 24th in life expectancy. Does this sound right? Have you seen the Insurance and Drug Company profits? Why is it ok for an Insurance company to make life and death decisions when motivated by profits but not ok for the government? Yes this is expensive but are we really that selfish to think it's ok to have 46 million uninsured folks in this country? Think about these points.

The object of insurance is no more. Every institution or company is running after the profit making. If the approach is business minded only, how can you worry about the common man.

Who should I go to? Should I call Corporate?

Before the summer began I switched positions at my job, therefore I got a new manager. I gave her my avalibility for the summer which was open everyday but Saturday. She asked me if I could do Saturdays and we agreed to every other Saturday. I told her in the Fall I start school and my schedule would change based on my classes. She said she did not care because she was going to be on marenity leave. So I had to deal with my hr representive, who I bud head with. I changed my hours and there was an issue and she told me I had to work Saturdays. We had a huge agrument. She took out termination papers and told me if I didn't like it here then fill these out. I asked it I could have my old position back as a cashier where I would be given what I needed and she told me that because I didnt sell credit cards I was on the verge of being fired but since I switched I saved myself. The next day I came in and told her I would work Monday, Thursday, and Saturdays approx. 15 hours a week. She approved it. Well now my manager is back. She is putting me whenever she feels like it basically and I am a full time student. I go to school four days and I see a lot of doctors for medical reasons and Tuesdays are my appointment days. This avaibilty ends 12/23. She told another empolyee that she cannot wait to see me Saturday because I will not be smiling when I see my hours. We have 14 people in our department. I feel that if my hours were approved why are they now taking them away. My manager and my HR rep are close friends outside the work place and I feel neither is willing to work with me. Should I call corporate I mean I do not want to cause a huge riff b/w them and me but I dont know what else to do???
.
Additional Details
They have also not been approving my days off. I requested two hours off and it was denied. And I requested Christmas Eve because I will be out of state and they denied it.

If you are dealing with pals and such in various departments who are buddy-buddy, your case simply doesn't matter unless it's a union job. Those 'pals' WILL find a way to get you gone. I feel that they do want you to quit - and hire some suck-up that will do a much poorer job than the quality work you do for them. Time to look for a better employer - but you have to stick it out until you find one. This is one of the worst managerial cases I have heard in a long time. They want you out because you are good at what you do - hence, you are a threat to their positions and you must be eliminated now.

I could go on and on - stick it out and find another job. This company obviously has too much of a 'grapevine-gossip' thing going on between so-called 'managers'. You deserve better.

I actually was in a similar position. I quit. I got a new job. Screw you. They called me back, and said please, please come back. So I did. On MY terms. And then they started their old BS again. So I quit again, never to return. The company is doing poorly now. They managed to disrespect all the good workers and managers. And we all went to work elsewhere.

Who remembers Ames Stores?

Who here remembers Ames Department Stores? I remember going in them when I was a small kid with my Grandma up in Carmel. What did you think? I specifically remember the advertising on a strip around the top of the wall and the turquoise green employee vests...

sucks it had to go out of business. another bites the dust to walmart.

lol this question is so funny but i bought the best vacuum from Ames right before they closed and I still have it after all this time. I use it mostly for vacuuming the cars. But I do remember Ames it was a pretty good store. Wal mart just took over though.... Does anyone remember BRADLEES?

Who exactly is the 'influential analyst' that recommended selling wells fargo?

..and why the hell can ONE MAN MAKE THE DOW DROP 100 POINTS in a day when it was doing so well?

these talking heads have people on the edge of their seats. Blithering idiots.

I would submit that the blithering idiots are the people who listen to any of them. In a recent post I pointed to two news releases on Form Factor less than a month apart. The first raised the price estimate signifigently. The next warned of probably missing estimates. Both were Citygroup. Analysts think little about your account. There is the relationship with the company, and a little item of whether thier firm is buying or trying to off load shares.

The news is not important. The price action is. Listen to the supposedly smart explainations for why the market was up or down any day. Maybe rational, maybe not, but immaterial. Even if you have an up to the minute news feed you are late. The big players have an edge in evaluating and reacting.

I've had stocks dump on me based on completely false news. Nothing you can do about it.

One man can't make the dow drop 100 points (with minor exceptions, like the Secretary of the Treasury). The business reporters are under pressure to come up with a reason for every little wiggle in the markets, so they do... after the fact.

Which metals - mining stock is a better buy right now; BHP Billiton (BHP) or Rio Tinto (RTP)?

On an current earnings basis as measured by P/E ratio RTP. You're sort of comparing non adr to adr though . . .

Wow. You are a many faceted man, my friend.

Which company would you invest in?

A company currently holding a 35% market share and growing at 7% or one holding a 28% market share with a growth rate of 9%?

the last. I would watch it a couple more months. save what i invested, or maybe split it and invest in both.
what the heck. you only live once.

what if your money made you 1 - 10% or 10% to 200% per month
with no risk at all,what if you dont need to work and just enjoy life
what if you can watch your wealth growing while you are having fun
visit myfxfunds dot com

Where to sell Gold for high? Where to buy Gold for cheap?

I would strongly suggest checking out the Silver and Gold Exchange before selling gold or silver to ANYONE. I did a great deal of research, online and offline, and learned a lot about this business. I checked pawn shops, jewelers, "gold parties", hotel "buying events as well as the online buyers, including the "as seen on tv" guys. I found that the Silver and Gold Exchange paid more than anyone else I could find. I liked the fact that they post the prices they pay per gram (beware of the places that quote in pennyweight/DWT) on a live price chart at http://SilverAndGoldExchange.com I also checked out their Better Business Bureau report and found they have never had a single complaint as opposed to HUNDREDS of complaints some other companies have! I recommend them 100%

Well you can go to the company that I'm investing in. I don't want to give any outside information. I will say this though. I tried to get a couple of sure fire stocks but the people who already owned the stock didn't want to sell their shares so I couldn't buy the stocks. The stocks are guaranteed profit because they're outperforming but I got in too late and it's basically locked out because no one wants to sell what they have. What a bummer. However, I did find a stock today that hardly no one even knows about so I'm definitely tommorrow going to buy some shares of this stock. Now, they'll be on the outside looking in when it's time for me to sell to them. LOL Those same guys and girls are going to be wanting my stock. Too late suckers. LOL Wow! I feel better now, I just had to get that out of my system.

Try this site: http://tinyurl.com/no7vh7 you can make money and it’s easy to do. There you can invest in gold and it pays every month. Also buy placer gold by ounces. If you need any help or instructions on how to use the site email me hans7732001@yahoo.com or call me at 281-954-5282

Where could $150 go in the Stock Market?

I'm 16 years old and very willing to invest in the Stock Market. I contacted my local Edward Jones and I'm trying to set up an appointment sometime in the near feature.

I don't know a lot about it except that I'd could by a few shares in one company or buy several shares in different companies. There's also things called "Mutual Funds" and stuff like that. There's a lot that I don't know but I'm very willing to learn it because I really enjoy this stuff.

So, what could I do with $150? What stocks would be good to buy as a beginner? How do the fees work for the broker? What will it be like when I talk to my broker?

Well, there are several more questions, but that's all I'm going to ask right now. I will be going to Edward Jones in the near feature, but I'd like to know some things ahead of time so I know what to expect.

Thanks for your help!

i was in your place too, im now 18, i opened a scottrade account they say you need $500 to start, i opened it with 100 and put more in as i went along, but i suggest $500, do your research alot, and expect to lose some, i would look at a online broker such as scottrade or another, look for cheap commision but also look for what tools they have and what hidden fees, in scottrade there is no hidden fees, and its 7 dollars to trade so 14 to buy and to sell all together, heres a code if you decide on scottrade like i did:VNQP7030 when in sign up process

I am a moderator for a community site kinda like face book for stock holders and researchers, its a 100% free site, non push site (we wont tell you to buy a stock to get us a gain), has a face book style design and a stock chat, its StockGoodies.com hope to see you there, Goodies4monkeys sent you
Source(s):
stockgoodies.com moderator Goodies4monkeys

scottrade.com trader 3 free trades code:VNQP7030

ok well hope all goes well, make sure they dont try to put alot of hidden fees, if you have more questions to ask me just send me a message on stockgoodies.com. goodnight and God bless Report Abuse

$150 is not enough to invest in the stock market, not even in a mutual fund. You should wait until you have at least $5,000 or so; until then, get some understanding of investing in the the stock market from books and websites.

Where can we check a totally free credit score report?

I need a total free credit score report.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-score-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

There are two sites that offer completely free credit scores, and you don't have to sign up for any services. These are www.quizzle.com and www.creditkarma.com. I believe that credit karma offers a score based on information in your TransUnion credit history and quizzle offers a score based on information from your Experian credit history.

I have used these sites myself and they are legitimate.

If you go to http://www.annualcreditreport.com you can get all 3 agencies (Experian, TransUnion, and Equifax).

Where can i find information about average household income?

i need to know the average household income for

*north america
*south america
*africa
*australia
*asia
*europe

Average household income is not a very good indicator due to the distribution of income within a country. As an example, countries such as Equatorial Guinea have a GDP per capita (between $30,000-$50,000) which should indicate an average (mean) household income of between $50,000-$90,0000 but the majority of the people in the country live on less than a dollar a day since most of the money goes to the very rich.

A more accurate indication is "medium household income" (50% more and 50% less). However, even those figures are not tracked by any world organization (UN, World Bank, or CIA) so are difficult to find.

The following is a list of the medium household income for a few counties.

http://en.wikipedia.org/wiki/Median_hous…

You will notice that medium income is generally expressed in Purchasing Power Parity Dollars (PPP$) and not absolute dollars. This is common in many statistics such as GDP since it is considered a more accurate way of comparing wealth.

http://fx.sauder.ubc.ca/PPP.html

The following is a table of average (mean) and medium income in the US.

http://www.census.gov/hhes/www/income/hi…

OECD does track the mean and medium income of OECD countries (appears to be individual and not household income). The numbers are given in local currency so you will have to convert to absolute US$ to get a comparison (not very accurate since it is not PPP$). Select either mean or medium income from the popdown menu.

http://stats.oecd.org/Index.aspx?DataSet…

It will be very difficult to find information on all the countries that you desire.

The best way to compare wealth between countries (which is more readily available) is the GDP per capita of different countries. However, that can also be very skewed for rich small countries (populations less than 100,000 people) such as Liechtenstein, Burmeda, and Jersey since much of the economy is controlled by high GDP banking sector. Also GDP per capita does not indicate how the wealth is distributed. However, it is considered the best indication available for comparing wealth between countries even with its flaws.

http://www.indexmundi.com/g/r.aspx?c=mr&…

When the market is making new highs for the year , is it a bad time to buy stocks and bonds?

What is the best buy at this point in the market? Corporate Bonds, Government Bonds, Stocks, REITS, stay in money market ????

Every stock investor should know about bonds. Bonds are the other side of the investing coin that may help keep your portfolio afloat in troubled times.

A bond is an IOU issued by a corporation, government, or governmental agency to cover money the bondholder has lent. If you own stock in a company, you are a part owner of the company. As a bondholder, you are a creditor.

Although less exciting than stocks, bonds play a critical role in our economy and an important role in every well-balanced portfolio.

Returns from bonds are generally lower than stocks; however, they’re a much safer investment. Bonds’ safety and stability act as a counter to the fluctuations common to stocks.

Most investors should have a mix of stocks and bonds in their portfolio. The more risk you are able and willing to take the higher percentage of stocks in your portfolio. The more conservative investor will want a higher percentage of bonds. Look at my article on the basics of asset allocation .

Who Issues Bonds?
Corporations issue bonds as a way to borrow large sums of money. Companies have two basic ways to raise money for expansion, acquisitions, or other uses. They can issue stock or borrow the money.

Corporate bonds usually come in $1,000 denominations and have maturities ranging up to 40 years, but are usually shorter.

Governments and governmental agencies also use bonds to raise money. U.S. Treasury Bonds are the most secure investments in the world because the U.S. Government backs them with its “full faith and credit.”

U.S. Treasury issues come in several maturities and denominations. Other U.S. agencies issue bonds to fund such things as mortgages and other government programs.

Municipal governments also issue bonds, which they often use to build roads or perform other infrastructure projects.

Basic Bond Concepts
There are four basic concepts that will help you understand bonds:

* Par value – Par value, also known a face or principal value, is how much the bondholder will receive at maturity. A $1,000 par value bond will be worth $1,000 when it matures.

* Coupon – Coupon is the interest rate the bond pays. It is called the coupon rate because bonds once came with a book of coupons, which the holder had to clip and send in to receive an interest payment. Bond investors are still referred to sometimes as “coupon clippers.” This interest rate does not vary over the life of the bond, although there are some bonds, which have a variable interest rate tied to an external index.

* Maturity – Maturity refers to the length of time before the par value is returned to the bondholder. It may be as short as a few months, 50 years, or more. At maturity, the bondholder receives the par value of the bond.

Understanding Yield

The term you will hear about bonds the most is their yield and it can be the most confusing. I broke this concept out separately because there are really three different types of yield to explain:

1. Nominal Yield – This is the coupon or interest rate. Nothing else is factored in to this number. It is actually not very helpful.

2. Current Yield – The current yield considers the current market price of the bond, which may be different from the par value and gives you a different return on that basis.

For example, if you bought a $1,000 par value bond with an annual coupon rate of 6% ($1,000 x 0.06 = $60) on the open market for $800, your yield would be 7.5% because you would still be earning the $60, but on $800 ($60 / $800 = 7.5%) instead of $1,000.

3. Yield to Maturity – Yield to Maturity is the most complicated, but the most useful calculation. It considers the current market price, the coupon rate, the time to maturity and assumes that interest payments are reinvested at the bond’s coupon rate. It is a very complicate calculation best done with a computer program or programmable business calculator. However, when you hear the media talking about a bond’s “yield” it is usually this number they are talking about.

Conclusion
This brief introduction to bonds is the first in a series of reports on these important investments. Look for more articles coming soon.

Certainly, the best time to buy was in January, February, and March of this year, when stocks were hitting new lows. However, a lot of people were scared that we were entering a second Depression and didn't want to buy.

Now stocks are less of a good buy, but they are still a lot cheaper than in 2007. If you buy now, they are highly likely to be higher five years from now. I don't know for sure what they will do over the next year, but long term buyers should buy a diversified portfolio of stocks now.

you all ways want to buy low and sell high look at the companys previous high and determine if you think it will move again and WHY this is where it is important to know about what the company does and its products and services never invest in something you dont understand even if it is moveing as for what you want to invest in thats nobodys call it depends on the amount of money your playing with and what your personal goals are and how much time you have to devote to screen watching

Only stocks will pay you the most.

Now think about this.. what does EVERY stock that goes up have in common?

They all make new highs!

As stocks rise they have to keep making new highs, so yes, stocks making new highs are almost always a good buy because that is a stock that is going up.

When is the postal strike going to end in the UK?

Until the postal services get what they demand, even though the strike started today i still got my post!

When are the banks going to pay for what they did to Americans?

It wasn't just the bank's fault. It was greed all around.

Greed on the bank's part for making deals that were a little shady. But in the boom times, everyone was paying their mortgage and foreclosures were low. Jumbo loans, subprime loans, they seemed to be working out just fine.

Greed on the consumer's part for buying houses that were too much for them to afford and spending money they didn't have with credit cards.

It didn't really make sense that the economy was chugging along fueled by money that didn't really exist, but it appeared to all be working fine, until a few chips appeared in the foundation and it was revealed that it was all a house of cards.

The economy goes through periods of boom and bust. It wasn't caused by any one single factor such as a greedy banker.

The national (and world) economy is incredibly complex. To try to point the finger at one "bad guy" is simplistic thinking.

It's not just the banks.

buysers and borrowers "created" neccessary details on the loan apps... and Appraisal values were being approved with total ease. Creating loans and getting loans were super easy and were approved on false income, credit and other figured.

The banks don't owe, it's a mutal upset due to poor regulations.

What did they do? Did the FORCE everyone to take out loans to buy houses the BUYERS knew they could not reasonably afford? Did they FORCE people to use phantom equity in their homes as ATM's?? I see the whole banking mess as a 50/50 split. You cannot hold the banks responsible for this mess and not hold consumers responsible as well. Claiming ignorance on the consumers part is ignorant in itself.

Ryan M - You are 100% correct. The banks were pressured to issue mortgages to some people who really didn't qualify and overbought their means. nostupid, what do you expect the banks to pay, and to who? They are the ones stuck with the foreclosures.

When and where do I pay taxes on a gift card I won from a raffle?

Basically, I have won a gift card for $3000 from a Charity Raffle for Best Buy. This was through my company so I am not sure if I have to claim it or if I just pay the sales tax.

If it shows up on your W-2, it's part of your wages. (You mentioned this was through work.)

If it shows up on a 1099-Misc (or not at all), you list it on line 21 as a prize on your 1040.

Sales tax has nothing to do with this.

This would be considered prize winnings, I believe. Ideally, the charity would send you a 1099 form to file with your taxes. I'm not an accountant, but I think if the charity does not report that you won this, the IRS would never know and you wouldn't have to declare it. I mean, legally, you probably should, but they would have no way to know.
I had to pay income taxes on my winnings when I won on Jeopardy two years ago, but they sent me a 1099 at the end of the year to file with my taxes, and I had to pay estimated taxed in the calendar year that I won--but that was a lot more money than this is.

What's the difference between trading and investing?

Hey guys. I'm pretty sure that when you trade, you're actually investing, and one thing involves trading systems or whatever, and the other one deals with Wall Street. But I need to know the difference.

Also, if I want to make money online, and NOT deal with customers, advertising, or doing any marketing at all, can this be a good option for me? I do know that I need a good capital, but I can handle that.

Another question is, how much capital would I need for this kind of business?

Thanks a lot!

When you are investing in stock, you are expecting to make a regular return from your money, either from the dividends, or from steady growth in the value of the shares over a long period of time.

When you are trading, you are expecting to make money by catching short term price fluctuations.

>>>I do know that I need a good capital, but I can handle that.<<<

>>>how much capital would I need for this kind of business?<<<

How do you know that you can handle it if you don't know how much you need.

A great book on how to approach these issues is
Trade Your Way to Financial Freedom by Van Tharp

It came out a couple years ago, but your library can probably get it for you. Judging from your question, this would be a great read for you.

What year to I begin with for filing taxes if I missed 3 yrs. I also dont have a W2 for the first year. Help!!?

Begin by getting another copy of your W-2 for the first year from the company where you worked that year.

Next, download the paper forms (it is too late to file electronically) for all three years from http://www.irs.gov and fill in the blanks. Sign them and mail them to the IRS.

you file any return that you are r'qd to file
if your income did not exceed your personal exemption and standard deduction(or itemized) you do not have to file, except to file for the refund of withheld income taxes that year
you can ask irs for a transcript for the year you are missing the W-2 it may have enough information for you to correctly file
otherwise request your then employer, or possibly the Social Security Administration

It doesn't matter where you begin, just get them all filed.

If you haven't been contacted by the IRS after 3 years, it probably means you don't owe money. If you don't file they run a quick estimate for you based on a worst case scenario of standard deduction, no personal exemptions, no credits, etc. If that estimate says you owe money, they'll come after you and you either have to pay up or file a return to claim your exemptions, credits, etc to prove that you don't owe. If that estimate says you are due to get a refund, they'll leave you alone and keep your money.

Its already too late to claim a refund for 2005 and earlier. The deadline to claim a refund for 2006 is going to be April 15th 2010, so make sure you file before then if you're going to get a refund.

Go to IRS.GOV and under free forms you can pull up and print the forms and instructions with tax tables and yadda. If you need a W-2 contact the employer and have them run off a copy of theirs (Copy D) and you can copy it to have one send in with your return. After three years you forfeit your refund so get cracking on the first year asap.

irs.gov, use form 4506-T to get the missing W-2.

What would bring more money to you?

1 share of a Blue Chip stock reinvested for over a period of years or a minimal savings account amount settling on 2.5% interest over a period of years? Example: $200 in a savings account drawing 2.5% interest verses 1 single Blue Chip stock where the profits are reinvested into itself over the same course of years as the savings account. We'll say 15 years.

What is likely to bring you a greater return is the blue chip stock, for one thing because over a span of years blue chip stocks average 8-11% return (depending on which span of years). Another factor in favor of the stock is the fact that it is a lot more risky than a bank savings account (which is insured). Greater risk is typically rewarded with greater returns overall. A 15-year period is enough to justify the greater risk, because most business and investment cycles span fewer years. Which company you choose for your blue chip stock can make a huge difference, of course. Some "blue chips" of five years ago are bankrupt now!

Another consideration is the specific percentage return. 2.5% interest on a savings account right now would be phenomenal! Back in the '80s, though, when banks were paying "only" 6% or so, investors were opting for money market accounts, which might pay 10 or 12% or better! The current economic crisis has brought interest rates to historical lows, so it would be unwise to commit long-term money to even what would be considered a high 2 1/2% rate now. In five years, rates could be double what they are now. And when rates do rise, it's likely to slow corporate growth.

Overall, my faith would be in the blue chip stock (carefuly selected) over the guaranteed interest on a certificate of deposit through a bank.

What will my credit report show if I choose to settle an old credit card account with a debt collector?

I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency?

Think very carefully before you do this. Depending on your state, debts are only legally collectible for a certain period of time. In addition, they can only be reported for a certain period of time. Depending on when the last activity was on your account, you may have passed this time threshold, or are approaching it, but paying a lesser amount will re-start the reporting time clock. Do some research and find out what the statute of limitations are in your state. You may have to live with a crappy credit report for just a little while longer until such time when the negative stuff begins to fall off.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

Before you waste your time and money settling these debts, you should check out FCRA (fair credit reporting act) There is a statute of limitations on debt and collection. You may be beyond the statute of limitations, in which case it is ILLEGAL for these debt collectors to report you to the credit bureaus. If you are beyond it, and they ARE reporting you, contact that the credit bureau(s) with your proof of age of debt and they have to remove it...unless there was a court ordered lien. Even then, the lien expires and if it was not renewed on time, you are still in the clear.

It will show that the item was paid off after it went into collections. It will be less of a bad mark on your credit than if it it's in collections and remains unpaid (which is probably how it shows now).

**ADD**
In response to a comment below: the statute of limitations does not go by the age of the debt itself. It goes by the age of the last contact by the creditor or collections agency. So even though the debt may be incredibly old, it won't matter....the statute of limitations timeframe runs from the last contact the creditor tried to make with you not the age of the debt itself.

It will show up as "settled", which will have a negative impact on your score.

What stocks to invest in for the Stock Market Game?

I need some help! Any stock investors out there? What stocks should I invest in. The game ends in December so its not like I'll be holding on to the stocks for a long time. I know you can't predict the future, but just give me some suggestions. Thanks!!!!!!!

Well, I'm guessing you are in some kind of stock-challenge, I would advise you to look at penny stocks since they are highly volatile and that's apparently what you need (fast gains). Every night look up "penny stocks for tomorrow" and maybe choose 1 or 2. For example, for tomorrow morning I would advise you to buy AWSL AND SKTO since they're rising tomorrow for sure. If you are not allowed to buy penny stocks in the game, then invest in BIOF, AAPL and MSO. I would also suggest looking at LVS, which is currently on the rise, ( we are waiting for the IPO in Macau, China on this one) and it will take place in november so you can benefit from those gains too. I hope this helps you win the challenge. If you like my answer make sure to mark it as "best answer" :D... please give me feedback, so that I can further assist you in the future.
Have fun and make $ !!

The firms that have historically paid the highest returns are those that were close from bankruptcy and started reorganizing themselves, their stocks are usually cheap and their prices rise significantly as soon as they start implementing their new measures.

Right now you could buy some in Google (although it doesn't fluctuate much it's about to start selling Music on its search result pages).

My advise is to stay on top of the financial news, look for companies expanding as they will be worth more in the future. Also have in mind that there are 3 ways to make sure that you win in the stock market: Diversify your investments, develop expertise on the matter, and stay in it for a long time (10 years at least).

I hope that this was helpful.

K. Here is how you win the game. I am assuming that you are using a computerized tracking system to keep track of what you buy and sell. This system uses what are called level II quotes. These are prices that are 20 minutes delayed. Get a free trial of "real time" data or look at the most active stocks each morning before the market opens. Make trades before your tracking system catches up with the real price and you will easily win. Doesn't work in real life, but its a cheap way to look like a genius.

What should i work on next afer paying off my credit cards to improve my credit score?

It is impossible to answer without knowing what is on your credit report now.
leave at least 2 major cards open with zero balance. Pay off any other revolving debt you have. Check for collections and use a pay for delete(in writing) to remove these.

You must pay all bills on time,no late payments to any one,this includes electric,gas,phone,you get the idea,all monthly bills,and any other bills that you have.It takes a while but you have to show a history of paying on time.This is very important. I would recommend that you only keep one credit card and use it only as a last resort,and when used pay off ASAP(as soon as possible) A good credit score is a plus when looking for employment.

John,

There isn't really a lot to go on here. But frankly even if you itemized all your debt, all your payment history, balances owed, etc, no individual could really give you any specific advice that would be the 'ace in the hole' for you.

ManageMyScore can help here. ManageMyScore.com will start with your credit report and enable you to see the impact of anything you might try to do (open new accounts, pay off other debt, close accounts, transfer balances between accounts, etc). This will enable you to determine the best course of action based on your goals for your credit score. And it’s truly personalized to YOUR credit situation, which will have much different drivers than someone else’s.

The online service is under $30, and discount code “Yahoo113025D” will take 25% off until November 30. That’s probably the best place to start and will get you the most accurate information, rather than the conjecture from a lot of individuals who can only speak from the experience on THEIR OWN credit profiles.

DONT CLOSE THE CREDIT CARDS - that will take the available credit away from you which will hurt your score. pay off installment loans, that will make it look better. Just dont get anything into collections or make any late payments.

Nothing. Just keep paying your current bills on time.

Do not go into debt again.

What matters more the credit score or the contents of your credit report?

If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won't really care about much else?

In the end it would be up to the lender as to if they would make you pay it. A lot would depend on the amount as well as the type of debt. If it was for something like a medical bill they may not, but if it is for a credit card debt they may require you to pay it off. Their biggest fear from them is if you get sued would you then have to default on the mortgage, basically making you a higher risk.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

It is standard practice for lenders to require you to pay off collections before granting a mortgage loan. This is potential debt that may come back to haunt you and interfere with you making your mortgage payment or a lien against the property.

A low credit score will automatically exclude you for consideration by some banks but that isn't the only factor. If you have a good score it may be worth the lenders time to look at your application and credit history. If these are fine, the bank will consider the value of the property, the loan amount, the down payment, stability of your employment and your ability to repay the loan.

I have never known anyone to get approved for a loan based on credit score alone.

It really depends on the lender.

Back about 5-years ago when my Wife and I bought our home I had a small collection on my credit from a apartment complex and after I explained that a six month lease was actually a 7 month lease and that I had 6 concealed checks to prove I had paid they said not to worry about it.

But it was only $265.00 so it was really no big deal to begin with.

Most lenders require that unpaid collections be paid because if they go to court and get a judgment a lien can be placed on the property. In my case there was no way they were going to take me to court over $265.00, so it really comes down to the risk factor for the lender.

Score alone will not get anyone approved it comes down to a combination of score and profile that matters.

It is the contents of your credit report that determines your credit score.
So the contents are more important then the score.
Things like late payments, accounts in collections, charged off accounts and judgments are a killer of ones credit score.

As to a mortgage, they will want those unpaid collection accounts taken care of as that could lead to a judgment and a lien placed on the house.

Hope this helps answer your question.

What is the difference between an IRA and a traditional savings account?

How are the elements of an IRA (i.e. individual stocks, mutual funds , CDs etc.) different from a regular savings portfolio?

Regular account. Income is taxable as you make it. Capital gains rules apply. You can add money at any time.

IRA. Income is taxable when you withdraw it. Capital gains rules do NOT apply. You can only add up to $5000 a year, provided you have earned income and your income isn't too high.

Normally savings acct is held at a bank and usually only cash is held in acctount (very safe and insured by FDIC, per limits) However you can also have a savings acct with a brokerage firm and you are able to buy stock and mutual funds (the value of your account can fluctuate.
You are able to withdrawal your money at any time.

IRAs are investment vehicles designed for retirement. You can open them at a bank or brokerage firm and normally you have stocks and mutual funds to help grow the money and stay ahead of inflation in order to have a good retirement. The down side is that if you touch the money before you turn 59 1/2 yrs of age there may be a penalty from the IRS

Many people have both accts
Savings for money they may need (vacation, liviing expenses, etc)
IRAs money they do not intend on touching until retirement.

What is the best way to save money, grow interest, for a short term?

I want to save money, with a higher interest rate than my savings account. However, I am willing to save this money for about 6 months before needing to touch it. How can I find the best options, given today's economy, to do this? I want to use this money as my emergency fund, budgeting my entire paycheck, to plan accordingly six months from now.

There is a relationship between risk and reward. The higher the interest rate, the higher the risk. If you go into an investment which has a higher rate of return, you risk loss of some of your principle.

I suggest that you get a CD at a bank.

Unfortunately,it is not possible.
Most deposit savings require at least $1,000.00 min.just to start and then you need to be sure that the fees do not eat up the interest you earn.
A regular savings account will accomplish the same thing and you can access the money when you need it.
Plus you can keep contributing to your savings account and then open a Certificate of Deposit account when you have more money.

You can get a 6-month CD. ING Direct always has good rates.

What is the best way to improve your credit without a credit card?

I recently was denied a credit because of "Few revolving accounts opened long enough to establish credit history." I do not and WILL not apply or own a credit card. What is the easiest way(s) to improve my credit without a credit card? Best answer will be given to the person with the best references.

This is a difficult question to answer. It's kind of like asking how to win a game without playing.

It's very difficult for anybody to generically determine what may help or hurt your credit because it's totally based on your own history with credit. You don't have credit cards, but do you have other debt? (a car loan, an installment loan, student loans, etc.)

ManageMyScore can help here. ManageMyScore.com will start with your credit report and enable you to see the impact of anything you might try to do (open new accounts, pay off other debt, close accounts, etc). This will enable you to determine the best course of action based on your goals for your credit score. And it’s truly personalized to YOUR credit situation, which will have much different drivers than someone else’s.

The online service is under $30, and discount code “Yahoo113025D” will take 25% off until November 30. That’s probably the best place to start and will get you the most accurate information, rather than the conjecture from a lot of individuals who can only speak from the experience on THEIR OWN credit profiles.

Sadly, you need to use credit to build credit, like the others said. In 2000 my mother passed away, I sold her house and used some of the money to pay off everything I owed, I was completely debt free. Since then I have paid cash or out of my checking account for everything, I never used credit cards because I didn't need to. Imagine my suprise about a month ago when I ran my credit report because I want to buy a car, I only have a 581! I have nothing late, nothing discharged, nothing owed and my credit is horrible because I haven't used any credit for 9 years. I wish I had known it before now. I will now be using credit cards to rebuild my credit and keep driving the car I bought brand new without a loan 8 years ago.
Seriously, you are going to have to use atleast one credit card to keep your current credit rating and keep from losing what credit you already have.
If you don't want a big balance just get a limit of $200 and use it for groceries or gas.

Get an installment loan - auto, "personal loan", etc. The irony is that you can't "build credit" unless you borrow money.

There is nothing intrinsically wrong with credit cards - it is people's misuse of them that gets them in trouble.

I achieved 800 plus scores with 2 credit cards only.
I used one for gas, and one for food.
I paid in full each month, never paying interest.
In a couple of years I had perfect credit scores.
Never any fees, but I got about $500 cash back in rewards.

Use credit cards wisely - don't let them use you.
/

With that issue the best thing that I can advice you is to consult a financial expert as they may help you find way. Unless we have a financial expert here, that is the sure way to solve your problem.

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.imess.net

What is the best survey site to earn money?

I like filling out surveys and answering questions. I live in the US

I have tried a few, but PineCone research seems to be the best. The surveys are fun and I get paid quickly. Although many people may have other places that they use, I would recommend this one from personal experience.

The website is http://www.mb01.com/lnk.asp?o=2439&c=918…

The following are GPT / survey sites - 100% Free - I make around $50-75 per day with these sites! Guaranteed. If you sign up on any of the sites below and begin making money, I will pay you an additional 10% of what you earn:
http://points4rewards.com/members/regist…
http://www.paidthefastest.com/members/re…
http://www.freecashmoneygifts.com/member…
http://coastercash.com/?ref=mrsbusch
http://gptcashcow.com/members/register.p…
http://www.prizelive.com/r/mrsbusch
http://dealbarbiepaysfast.com/members/re…
http://squishycash.com/homepage?ref=rast…
http://fastpaidonline.com/members/regist…
http://www.hourlygpt.com/?ref=3205

Well my favorite is paid the fastest. It has low payout of 3.00 and pays through paypal and it really pays you. You don't waste time doing surveys and don't get paid here. I have received my money by paypal. Give it a try.


I've tried several and this is the only one that approves offers fast and they actually payout.

Most of them are bogus. The best one I've came across so far is cash crate but the pay out isn't very high and you don't earn very much per survey. Recently, I came across an awesome and legit website. There is absolutely nothing to buy or sell; you just make money doing what you’re already doing. It's absolutely free to become an active member. Check it out: http://www.peoplestring.com/?u=sanjolipahal

they all pay very little, the only way to make money is referring people and it is a mlm,

go ahead and try one and track your time and hours and you will see it is working for $1 an hour

They're all a joke.

The only one I've found that wasn't a total scam was inboxdollars. But I've been a member for almost a year and haven't even made $50.

It's a waste of time. Go mow lawns or something.

What is the best and safest way to find my credit score? Thanks?

annualcreditreport.com will allow you to see your reports from all 3 Beaurea's every calendar year. You can pay about $5 extra to get the score. Don;t buy the monitoring with free score, its a subscriptions service.

Forget all those TV commercials, they will charge your credit card horrendous fees over and over again.

Go directly to the credit bureaus and pay about 7 bucks for your score.
Choose either experian.com, equifax.com, or transunion.com

Keep in mind that the score is not really that important.
What is really important is going to annualcreditreport.com once a year and making sure your reports are pristine

Some major lenders like FHA do not look at the score.
They view the reports in detail and make their own decisions.
So DON'T worship the score - worship the reports and how to keep good credit.
One good way is to pay your credit cards in full each month - that gives your credit rating a huge boost.
/

go to a car dealership and say ur interested in a car, they check your credit score, that doesn't lower ur credit score, like websites do

I use Annual credit report.com. but which ever one you use make sure it says Https. The S means it's a secured site.

What is self-correcting property?

Not sure that "Taxes" is the appropriate section for this question. In engineering, self correcting refers to a system in which the system tries to operate at a fixed or constant level. For example, the cruise control on your car. If the car starts going uphill, more gas is used to maintain the speed. In taxation, unemployment benefits etc. kick in if people lose their jobs etc. so increasing government spending to support the economy. Also, if your wages fall, you move into lower tax bands and pay less as a percentage of your income (also referred to as a progressive tax system).

What is disinvestment policy (in India)?

related to reducing govt.'s share from the public company
mention in details

See, it is an economic policy direction pursued by the Govt of India, mostly based on the principles of western (or US) economic lines or the IMF. The main objective is to reduce the role of the State (ie, Govt) and giving more leverage to the private players in the economic activity of the country.

It is nothing to do with the work culture of govt employees. The government not only tries to sell the loss making PSU shares but efforts are on to sell the best profit making PSU shares as well. What does that mean? Profitability has nothing to do with the policy. Even the best performing public companies are sought to be sold on disinvestment just to meet the budgetary needs of the Govt. It is more or less comparable to the selling the family assets to meet the day to day expenses of the family.

Finally, if it is to check the work-culture of the indian govt depts, what is happening in the US? All the banks and auto majors are in the pvt domain and yet they performed very badly leading to the collapse of the US economy. Does it mean the workforce in US did not work?

as you know in india governanent servants do not work and the maximum number of companies and industries are running in loss,so the govt is started to sell them to the private companies and they will manage the same

You will get all your answers with following link

http://www.divest.nic.in

What is a good use for a whole city block with offices?

what kind of business should use the space?
would a medical plaza be a good idea?

Could be - I think you need to ask what does the city lack and therefore need.

- a High fashion sector?
- Reasearch facilities

What happens to my xgirlfriend credit now?

Me and my x had bought one car and a house fha loan from us bank in arkansas and we co-sign and then we bought used car from toyota financial services they have been forclosed and repossess so we got a charge off on our credit and a repossession the car she paid the deffency balance we havent gotten a defency balance on the house me and her went down hill and this happen because she left me, because we faught all the time i move on married and got children with someone else, anyway since she left me high and dry i dont feel im going to pay it so i got approve to file chapter 7 bankruptcy i figure hey ill do that she dont have the money to file shes very poor person, creditors will come after her im sure after i file am i right or what happen when i file chapter 7 bankruuptcy when they liquidate all my debt and i got no assets whats going to happen to her is she screwed or what give me good awnsers because I SWARE IF YOU GIVE ME STUPID ONE ILL REPORT IT!

After you bankruptcy is discharged your creditors will go after you ex girlfriend for any remaining balances due.

>>>Lincoln BANKS

What a moron! Your spelling and use of the English language totally SUXS! No wonder you guys are having so many financial problems! Get an education! Report Abuse

What happens if I use Margin in a stock less than $5?

I have an account with sogotrade.com and I bought a lot of stock Today using margin, the problem is.. It was in a stock that cost $2.60/share and it allowed me to use the margin. I have made this mistake one other time.. what will happen to my account now? :(

I don't think you understand the term "margin". Margin refers to a loan against marginable securities. That's where the brokerage house borrows money on your behalf and settles the trade (the seller gets full payment no matter what).

If you bought more stock than you have money in the account for, that's OK. You don't get ownership when the order is filled; you have three additional business days to settle the order. That means that you have three days to top up your account with cash and if the seller has paper certificates, he has three days to deliver them to his broker.

If you buy more than you have cash for and sell out in a few days, the broker ends up covering you, because the purchase was settled for payment in full three days after purchase and your sale was settled three days after the trade that sold it (it doesn't cancel the original purchase). If the securities aren't marginable, or you are in excess of margin, the broker can't loan you margin money which means that he can't collect interest; he's covering it with the brokerage house's own money for free. This gives you a free ride.

Different brokers have different ways of handling this. Some don't let it occur in the first place by simply refusing to accept an order in excess of what's in the account at the time the order is placed. Others will accept that errors happen and ignore it once in a while, especially if it's a particularly good customer. At some point the broker can say this is happening too often. You must be free-riding on purpose, and close your account. Remember: the broker is being monitored for compliance and if this happens too often, they will be fined for not enforcing margin rules.

It depends on what your account balance was before the purchase and after and what other securities are in your account.

Stocks selling less than $5 a share are not marginable (they do not have loan value), therefore the amount due of the purchase will be 100% of the cost of the trade.

Yes you can buy stocks less than $5 a share, but the brokerage firm will not lend you any money., thus the total amount is due

The firm will compute how much buying power you have, using the market value of the total amount of securities in the account (but will not count securities selling for less than $5) and will multiply the total market value by 50% and then subtract any debit balance.
If this produces a positive number, your account will be in compliance, if not, the firm will ask you for money.

At the worse, the firm will request additional monies. If you fail to come up with the money, the trade will be liquidated, and you will be obliged to pay any debit. Then your account will be restricted for 90 days, so that the next time you purchase, the money will have to be in the account before the trade is accepted,

Every brokerage is different. I know my margin won't let us use margin for anything under 5. You will probably have within three days to liquidate or add more funds to your account. Good luck, i hope you can trade that stock for a small gain and get out of your predicament.

You didn't buy it on margin. Your account paid the full price for the cheap stock and used margin from some other shares in your account that are marginable.

What happends when Social Security office stops your disability payments?

After my 7year Disability review, how much time does Disability give you before they stop payments. If they decide you are no longer disabled.

I just called my little sis, who's an SSDI attorney.

You don't get ANY time. It goes back to the doctor appointment where you were found abled.

But you should have a pretty good idea already, if you're disabled or not.

She says, the reviews happen automatically when you turn 18, or usually 3 years after the initial onset of disability. If your disability is based on a mental health issue, and you haven't been treating for it, you're most likely not going to continue getting SSDI.

properly as soon as,
the thing is they may say you are not disabled any more but you should know if you still require help then go to the cab for help you can appeal you know ,.

You MIGHT get one more payment.

get a job

What does this letter that I got in the mail mean, regarding my social security number?

I got a letter saying that their records show that I have been employed in work in which I did not pay Social Security taxes.


Actually I did work and I filed my taxes, but I didn't end up having to pay anything and instead I got a refund.

Are they saying basically that I didn't file my taxes or no?

So what kind of income did you have? Who did you work for?

If you have earned income--the only kind that can create a refund for EIC and child tax credit--you had to have fica/mc taxes paid. If it wasn't paid by your employer, then it's your responsibility to pay it.

Social Security tax is different from income tax. Did you work as an "independent contractor" and get a 1099 (instead of a W-2) from your "employer"? That could be the reason why. The other possibility is that you were an employee and the employer failed to pay Social Security payroll taxes.

if the letter said that Social Security taxes were not withheld it meant that the employer failed to withhold and that is a big problem for him
it is possible SS Admin will require you to pay the portion that should have been withheld from you
who sent the letter to you, Social Security or Internal Revenue?

What does credit report look like after bankruptcy?

I wanted to get information on what your credit report looks like after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it?

All of your account names will show. There will be a code for the bankruptcy. It will still show what your high was but the balance will be 0. It will stay on your report for 10 years. However after 2 years you can begin to reestablish some credit. Your interest will be sky high though. Your credit report is never blank, they fill in all the blanks, to be sure.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

nothing disappears - all transactions stay on there for at least 7 years nd 10 yrs for a Bankruptcy - mine was discharged 8.5+ yrs ago and lenders can still see it, but if doesn't really affect anything anymore - I bought 3 houses and some land in the past 4 yrs

don;t expect to be able to get any kind of credit for at least 2 yrs and after that, the int rates will still be high for at least a couple more years - probably a LOT of years for credit cards

Normally, when you file bankruptcy, it affect your credit report and score. You will have to check your credit report to see how it looks like after bankruptcy. http://www.bestcreditcardratings.com/Cre…

What do you think of the new NFA margin requirements in Forex?

I think it's an outrage... who are they to tell us how much risk we are allowed to take by using a lot of leverage? they're treating us like f*cking children.

Yes, you are right. It makes trading more difficult. A few months ago I was think of opening an overseas account but after hearing of some horror stories, I decided against it.

Now I'm using this Forex Executor Pro which provides some of the solutions to overcome some of the new NFA regulations.

I think you can use alternatively like spread betting or CFDs Or consider other brokers. http://www.summaryworld.com/business-and…

hi
leverage is good option to double ur gain but you should not use leverage all the times.try to check the charts on trading platforms or get personal support from their team when to use high leverage.we can also improve ur success rate with good trading platform.here some good platforms that most serious fx traders use
--------------------------------------…
http://bestforextradingplatforms.com
--------------------------------------…
good luck

I think it makes trading a lot more difficult with all the new regulations but getting an overseas broker may bring other problems.

What credit card should I get? I want one with the best perks.?

I want to get a credit card that I can put $100 a month on it to get my credit score up. What kind should I get? Is there a card with great perks? What should I look into and how do I get it?

I hope you never will carry a balance, this only reduces your scores.

Go to bankrate.com and find a card that gives you 1% cash back.
Or just google 1% cash back cards
cash back rewards credit cards
Make sure it does not have an annual fee.

Amex and a couple of others have up to 5% cash back, but you have to be a bigger spender than $100 / month.
Last year, I made $500 cash back - easy to do, never paid interest.

Note: Stay away from Discover.
They are based on a tier system - stinks.
That is the worst card anyone could ever have - they send you a debit card to use - not even cash back.
And you have to remember to request it or it expires.

I would recommend Starwood Preferred, Citi Dividend Platinum Select, or Chase Freedom. But you'll need good credit for those cards. if you need to build credit I would recommend getting any card you can, and then putting your monthly bills (e.g., utlility, car, phone, etc.) on it and then paying it off every month. After about six months or a year your credit score should improve. You also want to remove negative marks from your credit card.

YOU should contact the various banks and ask them about their credit card plans. Tell them what you have just told me. Then you will be sure to get the best deal from such comparisons. I wish you full success. Peace!

What companies does cocacola own.Time Magazine?

Does coca cola own Time magazine

Wow, capwest5a, did you read his question? That's the most incompetent answer I've ever seen from a so-called top contributor. These are public companies--that means that no matter how tight-lipped they want to be, they have to report a lot to the SEC. EDIT: I see that capwest5a might have just been getting snarky because it's easy to find the answer to this question online. No offense intended.

The answers is "no."

Time magazine is owned by Time Warner, ticket symbol TWX. It owns a ton of entertainment companies, and Coke is not one of them.

Coke is owned by the Coca-Cola Company, KO. It owns a ton of drink brands and a few foods, but Time magazine is not one of them. http://en.wikipedia.org/wiki/List_of_Coc…

What benefit do brokers receive in causing you to lose money?

Have you ever heard stories about a broker putting a stock in for someone who requests it but only waiting for it to go into the negative for that day and then fulfilling that order for them. Have you ever heard of something similiar to this?

Brokers, meaning either the sales rep or the brokerage firm do not gain anything from their clients loosing money.

Yes I have heard of, and witnessed, sales reps doing this, but I worked for a regulator, specializing in fraud and bankruptcies. Such actions caused the rep to loose their license and the firm to be fined.

Neither the Reps nor the firms are permitted to play God in handling their clients transactions. Unless a clients signs a letter of discretion, the firm must follow the clients instructions, good bad or different as long as following such instructions do not violate any rules and regulations.

Reps and/or firms can be severely disciplined if they fail to follow their client's instruction, regardless if the client looses or makes money

Brokers make money by buying and selling securities. However, many brokers work as so-called investment advisers too, and make money as a percentage of their clients' portfolio balances.

Therefore, a broker has nothing to gain by placing a losing order, unless of course if he/she is personally at the other end of the trade. But that would unethical to say the least (perhaps even illegal), and they may be subject to dismissal.

I have not heard of it. That does not mean that it has not happened. These days with most retail customers trading over the internet where they get instantaneous order execution, I suspect that this is not much of a problem for most people. I also doubt that most brokers would do this. Why should they? What brokers are more guilty of is peddling particular stocks to retail customers that their firm wishes to unload. That is a problem.

Brokers are not there to help you make money, they are there to make money for themselves. Sad but true. It is entirely up to you to keep a close eye on your portfolio.

Can they do funny things when it profits them or their buddies? Hmmm... They stand too close to way too much money to be 100% uncorrupted!

A broker takes a fee everytime you buy and sell so if he manages to get you to sell prematurely (and then buy something else) he charges you multiple fees. Panic in the general population serves them well.

Can they manipulate the value of certain stocks by waiting? Possible. As small investors, we don't get the big picture of what is really going on.

Brokers get paid a commission on the trade. Most brokers are honest and work for the client. They don't want to provide bad service or their clients won't do business with them in the future.

Nobody uses market orders anymore. (Always use limit orders)

No. But that's why you should use limit orders - whether buying or selling.

What are the types of Candle Stick Charts?

My name is Balaji. I Want the types of candlesticks charts and its detailed informations. Any one can provide me????????????
QUESTION BASED ON ABOUT SHARE MARKET......

hi balaji if u really wanna learn about candlesticks and many more patterns then follow this link http://www.investopedia.com/articles/tec…
enjoy!!!!!!!!!

The candlestick charting was invented in Japan to trade rice in the 17th century.
There´s only one type of candlestick charting and it provides the information for the market sentiment with dozens of different kinds of candles.
For more detail check the sources listed below

Very common question. Try this making money investing web page. It's helped my out a lot with basic questions.

http://www.makingmoneyinvesting.blogspot…

Go read here . . .

What are the pros and cons of the Dow Jones going down?

Hey everyone, I've heard alot of talk about the Dow Jones lately,
I';ve heard that when it goes down, gas gets cheaper, and when it goes up, its more expensive.
anyone have any info.....

The Dow Jones Industrial Average is the average price of 30 large companies in the US. It, and the Standard & Poor 500 index, are general measure of the expectations of the economy's general health.

The DOW can rise for a variety of reasons : better earnings by the represented companies (indicating better long-term company health), outlook for lower costs (but without deflation which lowers asset values) , or speculation (investors think better times are coming, so they bid up the stocks assuming that the stocks' underlying value will increase.)

Typically a rising stock market (especially the DOW, which is industrial and very large companies) indicates greater economic activity. Greater economic activity indicates greater demand levels for everythibng, which may be represented by higher prices for all goods and services, gasoline included.

Please note, however, that commodity prices (and gasoline is a manufactured commodity) can rise and fall based on reasons different from those that move the DOW : bad weather that threatens to shut down oil production can cause a spike in gas prices; a new oil field find being prough on-line can cause a temporary dip in prices; OPEC's moves to control production can affect prices. The relationship is not simple.

The "Pro" of a rising DOW or S&P is that most people have more perceived wealth, through increased values in their investment accounts and 401(K)s. When they feel wealthier, they are more likely to spend, which helps the economy. The "Con" of a rising DOW or S&P is that stock ownership becomes more expensive, and, assuming a stable earnings and dividend per share, the dividend yield on stocks will decline.

Try reading the Wall Street Journal or the Economist to get a good feel for how these things are interrelated.

What is BB?

Do you mean.. BB&T? "BB&T Corporation operates as the holding company for Branch Banking and Trust Company that provides banking and trust services for small and mid-size businesses, public agencies, local governments, and individuals in the United States."

Branch Banking??
or...

Brigitte Bardot or BB, French actress
Cathy Dingman or BB, professional wrestler
Denys Watkins-Pitchford or BB, illustrator and author
[edit] Fictional characters
Beast Boy, or BB in the Teen Titans animated series
Big Brother (Nineteen Eighty-Four) or BB
Big Boss (Metal Gear), character from the Metal Gear series
B.B., character in Max Payne
BB, character in Grander Musashi
[edit] Places
Barbados' ISO 3166-1 country code
.bb, the top-level domain for Barbados
Brandenburg's ISO 3166-2 code
BB postcode area, a group of postal districts around Blackburn in England
Bourbon County, Kansas' state county code
[edit] Other uses
The Busy Beaver function, the greatest number of steps needed by all Turing Machines of a given size to halt on a blank input.
BBCode, markup language used in most forums
Base on balls in baseball
Bavarian Peasants' League or BB, a former German political party
Big Brother (TV series)
Blackberry, a hand-held device sometimes shortened to the letters BB.
Boys' Brigade, an international non-denominational Christian youth organization
Branch and bound, a general algorithm for finding optimal solutions
British Birds (magazine)
Buffer base, a blood value
Bully Beatdown
[edit] See also
B. B. King, American blues guitarist and singer-songwriter
B B Gunns, American big-bust entertainer
B-flat major

how about bed and breakfest?? or maybe BB ammunition?

Black Berry?

Bond rating?

http://en.wikipedia.org/wiki/BB--this will help you in a broad way.,

In what context?

big brother?

We need credit cards for college..high limit,instant online?

We are medical students.We have applied for 21 credit cards and have been turned down.We have no credit history.We need a website that
will issue credit cards to medical students,high limits,instantly.

Your credit is pretty must toast now. Do not apply for any credit for at least six months. Check your credit report to see why, in addition to the multitude of credit requests that you have made, your credit is so poor.

No chance for a card with a high limit.

If you have applied for 21 credit cards already and been turned down then unless you apply for a guaranteed approval credit card (usually a secured card with a low limit) then you will likely get turned down for card #22 as well.

You applied for 21 credit cards and have been turned down. That meant your credit score was low and it is now even lower. Every time there is a hard inquiry on your credit you lose some points. Have a family or parents (with good credit score) co-sign with you. When you have improved your credit worthiness you can apply for your very own account.

i think creditcardlocators can help you with what you need.they offer you an easy way to browse and compare over different types of credit cards to find the perfect match. Whether you are looking to rebuild your credit, have a new credit history or /and earn rewards and points. just google creditcardlocators for more information.

You usually have to start with a low limit card and build your credit over time. If you have a checking account at a bank you'll have a good chance of getting your first card from them.

Ugh....i'm pissed i thought if i cancelled my debit card no one could use it?

apparently some jacka** use my card for credit..and i usually use it for debit, but i mean still i cancelled it i didn't think they could use it.

If you "hot carded" your card, meaning that you told your bank it was lost or stolen, no transactions should be allowed. If your bank still let something come through (perhaps it was done before the card was "hot carded") they should have a form you can fill out to have them reimburse you for the amount of the fraudulent transaction. Then, they can prosecute the person responsible.

CALL YOUR BANK IMMEDIATELY.

If you had cancelled the card, nobody should have been able to use it. You need to report this to the bank and let them conduct a fraud investigation. Do this NOW, before any more of your money goes missing.

This questions regards taxes/accounting...?

Ok, so I in no way want to become an accountant. But I was wondering if their are certain classes I can take at a community college that would help me to become more familiar with taxes and stuff. I feel like my parents are getting screwed over pretty bad, but even after all the research I have done I still cannot figure out the best way for them to be ok with their taxes. Anyways, I always found that if you want something done right you have to do it yourself, but I wouldn't know where to begin with the classes. I don't actually want to become an accountant, I just want to know how to do my own taxes as well as my parents. Does anyone have any suggestions on classes to take or what to do?

So, next year, come July, start checking to see what classes are offered by HRB or JH in your area. These are often heavily discounted to fill the classes and definitely a good deal if they are charging $99 to $299 to take the introduction class. I find that it's very good to actually take a class with an instructor and classmates.

For the fee, you will get a handle on current tax law and the comfort level to read the IRS publications. If this makes you more comfortable to do your own taxes, it's worth the money.

Alternately, get the "bible" when it comes out for 2009. This is the famous "Publication 17" and available free from the government. All you have to do is ask for it. Then read it chapter by chapter from the beginning. (The pro classes use it too.) While you can spend $20 to get a book in a bookstore, it's really the same information.

Some community colleges do offer tax preparation courses but they tend to be theory with little practical material. If the H&R Block or Jackson Hewitt stores in you area offer a tax preparation course they normally do a pretty good job of teaching the basic material. The levels to which they teach may depend on the state in which the course is taught.

go to www.irs.gov and request Publication 17 this should help you, or if you want to take some on line classes, www.cstcsociety.org you can enlist in an on line course

I don't know where you live but I found a FREE income tax class through Liberty Tax service that I am currently taking. I only had to pay $35 for the books.

Think I can bribe the phone company to take late payments off my credit report?

I've always been a bit cavalier about my phone bill, I often carrry a balance for a while. Once or twice over the years I've gotten my service temporarily interrupted until I paid Bell the full balance but I never expected anything actually negative to happen. A few months ago Bell place an entry on my credit report and I now have 4 late payment marks. That's not helping my score at all and I'm trying to qualify for a mortgage next spring.

So this morning I was wondering, do you think if I offered to extend my service contract a few more years they could be persuaded to remove the bad entries? I'm fairly certain they have the ability if they're so inclined.

You can always offer a "pay for delete" if there is a balance. Some companies will agree to this just to get their past due money.

There is also what is called a "good will" request, where you plead your case and ask them to remove it. This is your best option if you have already paid them.

They are not required to do remove the baddies, but might.

No you can't bribe the phone company into removing late payments from your credit report. If you have problems paying your phone bill you will not have much success getting a mortgage.

You can ask but I doubt the CSR's have that authority.

Doesn't hurt to try.

Not a chance.

Stated in textbook "2-yr return =32%, which equal 14.9% at an annual rate"?

How do we arrive at the annual rate of 14.9%?

It means that, for example, a $1,000 investment will be worth $1,320 at the end of the second year. So you're solving for the rate of the annual return.

Since the investment is for two years, you calculate the square root of 1.32., which equals 1.149. Subtract 1.0 (which represents your original investment) and convert the remainder to a percentage and you're left with 14.9%.

You can double check the result by multiplying 1.149 X 1.149. That result is 1.32, and you've proved the answer.

Some i no is demanding money from me for presants she brought?

this person brought my husband a tv and us a new sofa as a thankyou for helping her out when she was going through a bad time. we no longer talk as she went weird on me and now is demanding money or will take me to court

Let her take you to court, she has no proof that she bought these things on condition that you paid her back. They were bought as a thank you present and she would struggle to prove otherwise.

let her take you to court she has to prove that you agreed to pay her back if you did not put this in writing then she has no case, but the judge will ask why a person would give such expensive gifts so you better have an answer

She is probably bluffing on the court demand. Without some agreement that you were supposed to pay her back, there is no way she would win.

Call her bluff. Say...."..then see you in court."

So tell your husband to give her the TV and sofa. That will get her out of your hair the quickest.

they were presents.

Should I take a Life Insurance from West Coast Life insurance Company ?

I am 40 and need a life Insurance. Non Smoker, clean records. Any recommendation of a reliable company will be a great help. I am looking at a $1 million policy for 20 years. Budget is to spend about $ 50 a month on premium.

West Coast Life is an A+ XV rated carrier. Nothing wrong with THEM at all, so feel free to buy from them.

Sounds to me, though, that you're really looking for some rate comparisons. If you talk to an independent agent or two, they can run you quotes with MULTIPLE carriers. As long as the ratings are equal, and the riders are the same, it's fine to shop based on price.

Here is a good information portal for life insurance companies ,you can check it out yourself http://www.lifeinsuranceagency.com/

You can easily check life insurance quotes in internet, for example here - lifeinsurance.awardspace.info

Setting up insurance can be rough and finding the right life insurance is crucial,try this site to get free quote! http://accurate-life-quote.com/

Should I open another savings account?

I currently opened a Way2 Save savings account with Wachovia. The account only allows me to set up a weekly or bi-weekly money transfer. I can't randomly put money into my savings account. I have been hearing a lot about ING savings accounts. What are you opinions on opening a second savings account through ING?
thanks!

I have had an online savings account at ING, and it worked well. I switched to HSBC online savings because they offered a higher interest rate. Now ING and HSBC are both the same.
They both offer rates about 3 times higher than my Chase account.

And you can deposit and withdraw anytime. It takes about 4 days for the funds to show up at HSBC from my Chase account.

Some of those online saving accounts offer very competitive rates so not a bad idea if you have some lying around in checking etc.....as for how often you can transfer (make deposits), my saving accounts with everbank and discover have no limits....i can send a check or do online transfers whenever I want.

Should I continue to save for when I move out?

I got $26.25 saved up. My dad is holding onto the money for me. I am hoping to get a house not an apartment. Each time I get money I dont spend it. I save it. My jar at my dads is full of coins.

Sure you should continue to save. $26.25 won't get you to far. If your old enough to be on a low income housing list you should know that.

Yes, you should definitely continue to save! A house is going to cost, well, just a little bit more than $26.25.

Good for you for saving instead of spending ... that's a great habit to get into!

Second time no-proof-insurance-ticket (should have learned)?

Call your insurance provider have them give you a temporary insurance card as you will still be covered under your old automobile insurance and give that to the court the day you have to pay your ticket.

Is this true at all? I am just wondering if their is anyway at all i could possibly get out of this ticket.

At least here in New Mexico if you can prove the car was insured at the time of the ticket they generally wave the fine. If it wasn't insured, and this is the second time you have been caught, I think you are screwed. You may be able to reduce the fine by proving that you have insurance now, but I doubt they would dismiss a second offense.

The next time you get a new insurance card, take that card and put in your glove compartment so you will always have;

Have your insurance company send copy of your proof of insurance to you. It should state that you had insurance on the date that you did not have and got a ticket.

good luck

Not likely. If you HAD insurance, maybe they'll let you go, but if your insurance was cancelled, you're probably looking at a license suspension.

You can compare how the insurance quotes would change, for example here - autoinsurance.noneto.com

Regarding the online position from Brain Group Inc./?

I m curious to know whether the online company Brain Group is a scam or not.?
They just offered me the financial manager position without even interviewing me.
They reviewed my resume, and cover letter, and offered me the job.
Does anyone know about this company.?
Please only if you know about this, otherwise it's okay.
Or if you have strong opinion on this, you're welcome to respond.

I m in desperate need of money, and this looks promising, don't know if this is a scam.

Look at their website braingroupinc.net. It looks like a highschool kids homework assignment. They use poorly photoshopped documents to show their partnerships, and lots of words used out of context throughout the site. You can tell whoever put up the site only speaks english as a second or third language and has no working knowledge of finance. Read the blurbs about the MANAGEMENT TEAM in the About Us tab, its hilarious, especially the PR Manager. If this company actually exists, im sure I would get a better ROI from Bernard L. Madoff Investment Securities LLC than the Brain Group.

They offered me the same job also just like everybody else i looked this company up and yes its a scam i'm sure everybody else did the same and that's why we are here i say we send them a bag of poo instead.

Truly I was also offered that position..and I also don't know whether it's true company or not... because I understand that they will use our accounts for transferring... and I'm afraid that it's can turn to be money laundering....

I also just got the same job offer in my junk mail box. I'm guessing it's a scam. They can't hire us all...right?