How much will my sister's refund be? Need to hit her up for some cash...just kidding?

Spouse made about 31,000. she made 14, 000. Own a home. 3000 paid in interest. 800 in taxes. one kid. she has about 400 in interest paid on a student loan and she is currently in school taking one class.

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

Go to the H%26amp;R Block tax estimator, fill out your info, and get a pretty good estimate of your taxes and refund.

http://www.hrblock.com/taxes/tax_calcula...

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

You can't estimate how much she'll get back because that's not enough information.

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

about 5000 total

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

have $2000 saved specifically for the ring. I would like to buy a Princess cut diamond set in White Gold. I was planning on a 2 carat stone, but will probably go with 1.98ct or somewhere around there to save money, since it's close enough to 2, and once you hit the 2ct mark, the price jumps significantly.) I want a Verragio Lumino setting, but could take the design to a local jeweler to have it copied, so to speak...

I own a home, IRA, 401k, have a safety net of 6-8 months and am set on the path towards retirement, (Not there yet, of course, but the plan is running its course.) This $2k that I have saved is literally set aside specifically for the ring. I have been with my GF for 5 years and we have been living together for over a year now. She's the one and I'm ready to propose.

I am looking for creative financing options, other than dealer financing or tossing the loan onto credit cards or HELOCS. Anyone ever taken a part-time job at a jewelry store to save money? I'm 25yrsold

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

i used to work at a jewelry store, a popular chain store. i can tell you that this discount is awesome. anything i wanted was cost + 15%. managers and asst. mgrs got items at cost. for example, i got a $2,000 diamond engagement ring for about $550. i didn't get the job to get the engagement ring--i actually bought that ring for myself as a birthstone ring because it was so beautiful. however, while you can get jewelry at deep discounts, some of the extras you get when you buy retail do not apply to discounted items--one being the diamond guarentee, where if a stone gets chipped or falls out completely and you can't find it, they replace with same quality for free, for life. that is very important--and maybe not something to mess around with. always make sure you get that kind of guarentee. working in that store, i know that stuff like that can happen and it can be devestating and costly. hope this helps.

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

keep saving...... and pay cash

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

Article on it here:

http://ezinearticles.com/?Jewelry-Store-...

And some jewelry stores do offer layaway plans. Talk to your local jewelry stores.

And talk to your girlfriend. Her taste in jewelry should be considered, as she will be wearing this ring for a long, long time. Her vision of what the ring should be may differ from yours. Plus, she may not want a ring more expensive than $2000. Some women are uncomfortable wearing very expensive jewelry on a daily basis.

You need to talk to her before making this purchase. Not a romantic surprise, I know. But you should take her feelings into consideration.

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

Never ever finance an engagement ring! (Or any other asset that doesn't appreciate.) Only buy a ring you can afford to pay cash for. When you add on the interest, that ring will cost you a hell of a lot more money than the ticket price. %26quot;Creative financing%26quot; is a ticket to debt. So is putting it on credit cards. If you put $10,000 on your credit card at 15% interest and pay only a 3% minimum, that will cost you $7005 in interest and take 19.75 years to pay off. It's more important that you stay out of debt than give her a large rock.

Also, you don't need to buy a 1.98 carot ring. Get her something smaller in your price range.

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

I would get a personal loan through the bank. I worked in a jewlery store for awhile, though, and the discounts ARE HUGE. It would be hard to surprise your finance though--she'd probably catch on!

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

lucky girl you have not to say i dont love my ring but he only had 108 saved for my ring tax and all

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

Try the diamond warehouses in your area they will have lots of stones waiting for you to pick and you will not pay the 600% mark up like you will at a jewelers.

You will properly get the stone you (and she?) wants.

Did you ask your g/friend what she wants ? Stone? color? size?

She may not like the one you have your heart set on buying her and she is the one that will be wearing it after all

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

My SIL actually took a PT job at a jewelers specifically to get the employee discount on the ring she wanted (they had been together for years and he never really 'proposed' they just decided it was time to get married). That may be your best bet, they do get a nice discount.

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

First of all 2 carats is huge! Unless she has gigantic fingers it will be too big to wear everyday and be annoying. Anything over 1.5 is too much. Are you really willing to take the risk that she'll get mugged over it? Why has it taken you 5 years to propose to the poor girl? Anyway, your best bet (from a financial persepective) is to finance it through a jeweler who has 0% financing for 6 months or a year. You can put your $2,000 down, pay the rest in monthly installments and have it entirely paid off before the interest kicks in. Good Luck.

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

Buy a great ing for $2000.00 on EBay. Only buy from a seller who has great feedback. Retail jewelers have an enormous overhead.

How do I finance an Engagement Ring? I have a decent down payment, but not enough to pay in Cash?

You don't need that big a diamond, it will look ridiculous because it is so big. A one carat diamond is plenty big enough. You can buy a very nice ring for $2000! Why do you have to spend so much and get such a big ring? Just get something that you can afford, don't go into debt over this one thing. She will like what you get her even if it's not huge and expensive and if she doesn't she is not worth marrying. Trust me, she will be happy that you proposed and that she gets a ring. Just buy something in your price range.

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terr

even if i pay cash for 35k and ask for 5k

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

I guarantee you that if you have 35K and want a 40K car they will sell it to you for that price. I am assuming it is a new one. With a 35K down payment you have a pretty good chance of getting financing if you need it. But offer them 32K for the car and they will reduce the price and then offer 33K. etc. they WILL sell it for 35K

I sold cars for Honda, GM and Ford. New and used so I know.

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

You should haggle with the car dealers...they might give you a break...

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

I would think you wouldn't have a problem getting a loan. I'm a finance manager and without knowing the specifics of your credit, I would say anyone can get a loan for 5k when the put 35k down.

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

Are you buying a new car? That's foolish. Better to buy the same car in a three-year old model and pay only half. The car plummets in value when you drive it off the lot, just because it's no longer new. The first mile is the most expensive. Instead, pay $20,000 for a three-year old car, and put the other $15,000 into stocks and learn how to make money. If you buy the $40,000 car, it just loses money every mile you drive it. Learn how to improve your credit and stop paying for loans. Read %26quot;The Millionaire Next Door%26quot; for more info.

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

Yes, it probably won't be a problem. However I'd probably defer the purchase for a few months until you can pay cash. Well, personally I'd buy a cheaper car, but you have your desires and I have mine so if you want a $40K car thats OK with me.

There are plenty of lenders who will do subprime auto loans. You might want to consider putting 5-10K in the bank and getting a subprime (high rate) loan and then refinancing in a year or so after you demonstrate a good payment history. That does have its risks - that rates will go up, but what isn't a risk.

The bigger the down payment the more lenient the lenders will be regarding credit history. As long as you are current on all your bills, even if you have had serious delinquiencies in the past, you should be able to secure financing. Check around yourself into different banks and loan sources before you ask the dealer about theirs so you can have an idea of rates and your ability to qualify before you shop. It will put you in the position of choosing the best financing offer.

Enjoy your car!

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

Seeing that this is the personal finance section, I would highly recommend you rethink spending 40k on a car. You are asking for even worse credit and more debt in the long run. Time to rethink your strategy...

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

You probably got bad credit by buying too many 40k cars. Wait a year or two and get it like 30% cheaper used.

I want to buy a 40k car but only have 35 do you think i can get a loan even though my credit is terrible?

Why don't you buy a $35,000.00 car?

I need a legitimate way to earn extra cash very very quickly, any ideas?

I currently have a full-time job and I'm also a full-time student. Money never seems to last and I always need more (just like the rest of the world). I have loans but would prefer not to be in debt for the rest of my life plus I don't really have time to wait for the entire approval process. I'd appreciate any helpful feedback. Thanks!

I need a legitimate way to earn extra cash very very quickly, any ideas?

ebay... the online garage sale... if you have anything to sell, it can be good fast money.

I need a legitimate way to earn extra cash very very quickly, any ideas?

Why don't you set up an ebay shop, by selling things you don't want or selling a certain type of thing. This is fairly easy and you don't need alot to start it off! Good luck!

I need a legitimate way to earn extra cash very very quickly, any ideas?

You can make some extra cash doing an online business. Doing an online business requires a lot of work and some initial research. And yes, working from home is very easy. I can't stress enough the importance of starting out with something you really enjoy doing yourself - if you enjoy it, you'll be willing to put time into making it unique, which will lead to success on its own.There are actually%26lt;!--lot of ways to earn money from Internet. But I am going to explain you the 6 simple ways to earn money from net You can work part time and earn money. Working from home these days are so simple. Also, if you become a freelancer you can earn more money working from home. Please vist the site for more information.

http://6moneytips.awardspace.com/

Empowerism can help you get started with an online business. They provide full training, and have a turnkey marketing system that can't be beat.Work from home and--%26gt;make money online. The Best Part Is that there is NO INVESTENT. Hope this helps you.

I need a legitimate way to earn extra cash very very quickly, any ideas?

become a bartender or real estate agent.

I need a legitimate way to earn extra cash very very quickly, any ideas?

I think making extra cash is the best, spending money rocks! I work online and make anywhere from $1500+ a month. If you want to see the companies I work for, how I make money, tips and tricks, etc. check out my blog http://www.becomingdebtfree.net

How do I refinance my mortgage?

I wanna refinance a 30-year mortgage. I've been living in my house for a year and have a prepayment penalty of 2 years. Two points. My loan is 80-20 and my monthly payment is 3600. How can I refinance a loan of 520 to get 20000 on cash and reduce my monthly payment?

How do I refinance my mortgage?

Has your house gone up that much in value in one year? The $20,000 plus the prepayment penalty? Probably not.

How do I refinance my mortgage?

You're prepayment penalty is equal to the next 6 months of interest. Find out which loan you have the penalty on and if you have a lot more equity then 20k + the penality then your monthly payment should be less, other wise it most likely will not be cheaper unless you get an interest only or a 40 or 50 year loan.

How do I refinance my mortgage?

I work for Providential Bancorp, a nationwide lender in Downtown Chicago. I would be happy to assist you in getting that $20k cash out. I will be back in my office on wednesday July 5th after the holiday. My name is Jason, you can call me at 312-264-6448, or jasonf@providential.com. Once we speak i can give you A free analysis as to what we can do for you! I look forward to speaking with you!

Enjoy your holiday weekend!

Jason Fry

Can a non U.S. citizen buy a house if she has cash?

Can someone who only has a visitors visa buy a house in the U.S.? She would not need a mortage or a loan of any type, but she does not have an social security number. She is working on getting citizenship as we speak.

Can a non U.S. citizen buy a house if she has cash?

YES

Can a non U.S. citizen buy a house if she has cash?

Money talks..........

In truth I don't know. I do hope that things work out.

WELCOME TO THE USA!

:-)

Can a non U.S. citizen buy a house if she has cash?

As far as I know, there would be no problem with her holding property in the U.S. It's probably best to consult an attorney on this one.

Can a non U.S. citizen buy a house if she has cash?

Of course....silly you..!

Can a non U.S. citizen buy a house if she has cash?

pay the tax. on your purchase you are american. fact. its againts the law to use soc. sec. # for anything other than tax purpose.

get citizenship. maybe wait the gov. changes law buy the day.

Can a non U.S. citizen buy a house if she has cash?

YES,

Can a non U.S. citizen buy a house if she has cash?

yes you can. But you cannot live here until you receive proper paperwork of course

I have about 4k in CC debt, w/ plenty of cash in the bank. Should I pay it off or continue with the

I also have 70k in student loans (3) which payments will begin in May '09. Two of the three are federal, each under 3k. Should I pay those smaller ones out in full as well? Or wait until payments begin and then make a decision?

I have about 4k in CC debt, w/ plenty of cash in the bank. Should I pay it off or continue with the paymts?

With regards to the credit card debt, it's hard to imagine that you're earning more interest in the bank than you are paying on your credit cards, so I would pay them off.

For the student loans, if they are not accruing interest I would wait until they payments begin and pay them off then. That way you keep earning interest on your money until the payments begin.

I have about 4k in CC debt, w/ plenty of cash in the bank. Should I pay it off or continue with the paymts?

dont be stealin my 360

I have about 4k in CC debt, w/ plenty of cash in the bank. Should I pay it off or continue with the paymts?

Are you earning more in interest than you're going to have to dish out...If not than pay off the debts.

I have about 4k in CC debt, w/ plenty of cash in the bank. Should I pay it off or continue with the paymts?

Pay the small CC debt first. Pay off the student loans as soon as you can. Pay the small ones first. Once debt free, never get in debt again.

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

Spouse made about 31,000. she made 14, 000. Own a home. 3000 paid in interest. 800 in taxes. one kid. she has about 400 in interest paid on a student loan and she is currently in school taking one class.

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

Go to the H%26amp;R Block tax estimator, fill out your info, and get a pretty good estimate of your taxes and refund.

http://www.hrblock.com/taxes/tax_calcula...

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

You can't estimate how much she'll get back because that's not enough information.

How much will my sister's refund be? Need to hit her up for some cash...just kidding?

about 5000 total

I find out my ex-h gave most of our money to his mistress before our divorce, is there a legal way t

I divorced two years ago.I was stay home mom at the time and had no clue about famiy financial situation. my ex has more than $100,000/y income, and we've been married more than 4 years, has a daughter together. he has two properties(one purchased within the marriage but he forced me signed quit claim deed).at the time I filed divorce, he already has a girlfriend for a year and hardly back home. he claimed that he took all the equity loan on the houses and every penny he can touch invest to overseas, and turns out they are all gone. even i know he was lied about money but I do not have evidence, and money to fight. so i accept his offer. now his new wife(mistress)filed divorce(only married one year), and he confess to me that he gave her all the money(cash) he took from our marriage in order to prove his love to her and provent me getting a cut of it, after they got married, the women refuse to give him back any penny, and treat our daughter badly.

I find out my ex-h gave most of our money to his mistress before our divorce, is there a legal way to claim?

Besides treating the daughter badly he got his payback. They usually do. Never allow this man back into his life the way he did you just to prove to another woman his love, BULL he was hiding the money and trusted her and guess what pay backs are He**. ,,K

I find out my ex-h gave most of our money to his mistress before our divorce, is there a legal way to claim?

He did you dirty and now someone else did him dirty. %26quot;What goes around comes around.%26quot;

Just make sure he pays you child support.

I find out my ex-h gave most of our money to his mistress before our divorce, is there a legal way to claim?

What goes around comes around.As he did you she did him.

I find out my ex-h gave most of our money to his mistress before our divorce, is there a legal way to claim?

If you could prove this, then yes you would have a right to sue.

I find out my ex-h gave most of our money to his mistress before our divorce, is there a legal way to claim?

The answer to the question depends on the State where you were divorced.

In a community property jurisdiction (i.e., TX, LA, NM, AZ, CA, NV, WA, ID, WI), a spouse cannot dispose of substantial community assets without the other spouse's permission. In CA, for example, this permission must be in writing, except for insubstantial gifts or assets disposed of for the necessities of life or in the ordinary course of busines.

So, assuming that you can prove that your ex disposed of the money without your permission, which shouldn't be difficult since it's now in his interest to admit this, and further assuming that you did not know of this circumstance at the time that final judgment was rendered in your divorce, and that you had no reasonable means of discovering it as part of the litigation, then you may be able to force your ex-husband to repay the money.

If you could actually trace property directly to the second spouse, you could even force her to disgorge that money back to you. But, that could be pretty difficult, since she's probably spent it already.

However, if you were divorced in a separate property jurisdiction (any other State not listed above), a spouse has the separate right to the control of his/her income during the marriage. So, if he determined to give money/property away to another woman, then as long as your ex-spouse didn't give assets away that he never earned, i.e., assets that you earned or brought with you into the marriage, then you have no claim.

However, if your ex-spouse actually misrepresented the assets available in the marriage at the time of the divorce, then you could possibly claim that your ex's failure to disclose the actual amount of marital assets made it impossible for the court to equitably distribute the marital estate, and therefore that your final judgment should be set aside, and the divorce distribution recalculated. This could get you substantially more money.

Finally, if you were divorced in a %26quot;fault%26quot; jurisdiction and the amount of fault is material to the distribution of property or spousal support, then you might be able to have the court set aside the divorce judgment and recalculate based, once again, on not having the true facts available at the time that the divorce was first granted.

I think that about covers it...where do I send my bill?

:)

In which site i can get all details of banking services & procedure.?

banking service %26amp; procedure means-types of accounts (loan a\c)banking rule about interest %26amp; charges,meaning of ATM %26amp; DEBIT CARD/ CREDIT CARDS and how work in.kinds of loans(cash credit limit) provide by banks %26amp; required legal papers,reports %26amp; documentation.

In which site i can get all details of banking services %26amp; procedure.?

I would recommend FTC.gov or the Department of Financial Institution Website for your state.

Mike S.

http://www.mishoutlet.com/

In which site i can get all details of banking services %26amp; procedure.?

here is the right way my friend

In which site i can get all details of banking services %26amp; procedure.?

yes you can but you will have to visit the individual Bank site for the purpose as all banks have their unique and individual services/charges etc.

In which site i can get all details of banking services %26amp; procedure.?

May be you can check this site

www.rbi.org.in

Can someone help me find this loan company??

Well I'm looking for the best quick cash loan company, but if you don't have a suggestion for me I'm looking for the name of the loan company that has Webster as their spokesmen, lol, I know it sounds funny but I need cash and fast! So if anyone can hep me out I would really appreciate it! Thanks!!!

Can someone help me find this loan company??

Its not Webster its Gary Coleman.... he is in the commercials for the quick loan company called CashCall

Here is there website:

http://www.cashcall.com/

Good Luck

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

my company has been 2 years. i dont have guarantee. but i could give proof from my bank cash flow. i need $ 50.000.

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

Well... Guarantee is always required for small business loans. Sorry, can not get away from it.

The only loans that can be obtained without your guarantee are factoring and credit cards financing. But they are expansive options.

The steps for all other loans:

Create business plan. It must include projections for at least 2 years.

No down payment required for expansion.

Make sure you have collateral. The following is the formula to calculate collateral:

Collateral = (Personal Real estate value*0.8 閳?Mortgage) + Commercial Real Estate Value * 0.8 + Equipment value *0.5 + Inventory *0.1

Make sure your credit score is 680+.

Collect all necessary financial documents:

1)Personal tax returns for the last 3 years

2)Business tax returns for the last 2 years

3)Profit And Loss statement year to date

While choosing bank, keep in mind that banks are specialized entities If you wanted Chinese food, you wouldn閳ユ獩 go to a steak house, would you? Banks are organized the same way. You will never find a bank that does all types of businesses and all types of loans.

Do your homework. Call the bank, ask for a business loan officer and describe your business type and your financial needs. Try to avoid banks that will give you a general answer: 閳ユ凡e make our credit decision on a case per case basis閳? Most likely you will waste money and most importantly your time.

Complete loan application 閳?make sure there is no arithmetical errors, mistypings and all personal financial information is correct.

Submit the complete package 閳?all documents that were requested by the loan office, in the order that was requested to the bank.

Or you can simplify your life by using business loan broker. America One Funding is very good unsecured business loan broker: http://www.AmericaOneUnsecured.com/?AID=...

Grants are not so easy to get. But you can try: www.grants.gov

Sincerely,

Marina Lando

President

Business Loan Quest

http://www.blquest.biz

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

Share issue

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

Go to the bank!!!

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

You can get loan even upto $100000 %26amp; more... for details visit the site

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

Go to the Bank of America

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

go to the bank baby

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

Contact your local Small Business Assn. They help hook you up with banks and show you how to go about it all

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

apply for a grant or go on line for small business loans. have you tried your bank since they are aware of your cash flow? some grants you do not have to repay. small business loans you do. sometimes they want you to borrow more than you may need. do you have any wealthy relatives? otherwise you may have to borrow more and set it aside and use it to repay your loan back. make 3-6 regular payments if you borrow big then keep what you need and send the rest back. they will not know if its your business and its not their buisness as long as you pay back. www.grants.com www.freegrants.comm www.smallbuisnessloans.com or www.largebuisnessloans.com i wish you the best.

I own a company and it is growing well. i need loan to expand my business. how could i get it ?

If you are registered under Dunn%26amp;Bradstreet then you could go to the bank. Dunn%26amp;Bradstreet is the business credit bureau and they track business credit so if your business has good credit you should have no trouble getting a loan. If not you could try an angel investor. This is the reason why accountants tell business owners to save their money and not spend it right away. Because the money can be used for expanding. I am glad that your company is growing and doing well as there are a lot of businesses around today that will be long gone in five years. Good luck.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should

I offered to loan her the money (10k) as I cannot afford to give everything to her. I know she will pay me back, but she has trouble budgeting, so I asked her how much she could afford to pay me every month. I am only asking her to pay me back at a rate she can afford. All interest free of course.

She feels hurt that I would ask for my money back, because she thinks that love means that I should go all the way with her, and not think about the money at all, or if or when I can get back my life savings.

I can see her point of view, and she thinks she's walking alone if I loan her the cash. But, I feel I'm walking together with her on this by loaning the cash, and I wish she would try to take more control of her life.

Can anyone share their thoughts on this subject?

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

hi, she is just your gf. you don't know what might happen to your relationship with her in the future. don't give your money to her. she sound like she like to have your money and not paying back which is so unfair. i know you love her but she has to control herself. and also, if you are going to loan money for her, let her sign an agreement to pay whatever amount you guys agreed to pay every month. think about yourself too not just hers. anyway, that's not your problem. yes, you can help but don't shoulder all of it. good luck!

i am a woman with almost the same problem and my ex bf paid all my debt, unfortunately, we broke up and there's no aggreement for me to pay him back every month and now he is suffering to pay for it. careful! i don't wanna do it again though and thinking i will pay him the whole amount at the end of this year but i will just surprise him. he don't know my plan of paying him the whole amount.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

That's great !!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Tell her to kiss your butt.

Do NOT give her the money.

Love does not mean permission to act irresposible and take advantage of someone else's better money management.

She needs to grow up and pay her own bills.

If you loan her the money have her sign a note. If she loves YOU she won't have a problem with that.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Keep your money in the bank and RUN Fast. Get as far as you can away from her. and tell all your friends so they dont hook up with her.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Tell your girlfriend to get her bills consolidated and don't loan her any money, she might be your girlfriend now but who knows what might happen later.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

First off, that money is yours. You should never offer the money to anyone like that, where they tell you you should just want to give it to them, if you don't expect her to take it and run. Because unless you have proof of it, it is your word against hers and you could wind up screwed. Besides she sounds kind of shady about the whole thing. She should never ask you for the money and then make you feel bad for asking how she is going to pay it back, you worked for it, and it is yours. My opinion, don't give her the money, even if she says she will pay you back.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

NOOOOOOOOO stop right now , as soon as ur money is gone so is she. plz save urself before it's too late .

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

RUN RUN RUN RUN RUN RUN RUN RUN RUN!!!!!!!!!!!!!!!!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Move and do not leave a forwarding address. Put your new phone in another name. Sorry, but, that is what I will do now from experience.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

i dont think you should loan her the money. help her go to a financial counselor and plan her budget. I loaned all I had to a friend who was being foreclosed on her home and I never got any of it back. I feel realy biter about that

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

She shouldn't feel hurt that you're asking for the money back. She should be kissing your feet for having such a great guy! Sounds like she has a lot of debt. If you pay it off this time, what about next time? And the time after that? I would tell her that she needs to take out a loan because you can't risk depleting all of your money. You've worked hard for your money, and shouldn't have to worry about not getting it back.

A word to the wise... if you plan on marrying this girl, GET A PRENUP!!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

I have always been told, not to loan money to friends, boyfriends or enemies. Your only asking for trouble when you do that. However, that is only one opinion.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

tell this chick to take a hike, at least money wise. hint; you said GIRLFRIEND not WIFE. with gf's theres a big percentage chance that you two will no longer be together in a few years. what would stop her from breaking off all contact with you and taking the money? no offense to your gf, its just a scenario

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

i realize why she would think the way she is, but if she loved you, she would realize that you can't give away all your money beacsue of her bills, yes maybe you should loan her some but, maybe well i donno A JOB! would help.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

make her *** get a job and pay them off her self. what are you her *****?

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

is her name Anna Nicole Smith?

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Uh no, she aint ur wife, just a gf, cause u didnt say a serious gf, so thats just stupid to ask, and she should repay!!! ugh havesnt she heard of loans!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Go look in the Morrow, see if you got %26quot;SUCKER%26quot; on your forehead.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

The fact that you even offered to loan her the money shows what a great man you are. Besides, she is just your girlfriend. If she can't accept that, you need to reconsider her motives. Don't allow her to make you feel guilty because you are using common sense. If she does accept the loan, get an official contract. This will give you a leg to stand on if you ever need to call Judge Judy.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

She's trying to manipulate you into giving her the money. Don't even loan it to her. If she needs money to pay off her credit card debt she will never save money to pay you back. Forget about it.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Wow. I can't believe she actually asked you to give her your life savings. Credit card debt comes from irresponsibility (I know because I have tons of it). She needs to take care of it herself. Tell her it becomes your problem when you get married. Until then, sorry!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Get your butt outta' there. Money is the root of all evil. No kidding.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

i see all the time on court shows on tv where an ex sues a former %26quot;lover%26quot;,ex over money that they loaned to pay things off and bills. so i would think about it before you go and give her 10,000 $ because that is alot of money. does she need it right away? i would have her pay you back because if it will be for the long run, like someday you two getting married you will get passed this.

i see both ways but i really do think you should set monthly payments where she can pay you.(and get it in writing if something does happen)

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

if you loan her the money it won't make her anymore responsible,you will be giving her the easy way out let her figure out a way to be a big girl and do this one on her own debt can be depressing support her emotionally

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

I think that love has no monetary value, but that because of her past with money you have every right to expect her to pay you back. Also by asking her or getting her to pay you back little by little that is showing you love her and trust that she'll pay it back. Why does she need to have that all paid off now? I think you're right and that your girlfriend does need to take more control in her life. I don't think that she should feel hurt I mean after all you are trusting her with your hard earned life savings, she should be thankful. If my man loaned me that amount of cash I wouldn't say a damn word, but thanks.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

H$$l Naw. You are not married to her. GIRLFRIEND is the key word. IF you do LOAN her the money make her sign an agreement with a witness. You need to start watching Judge Hatchett!!!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

You answered you're own question. You said that she thinks that love means that you should go all the way with her, and not think about the money at all. Because love is a two way street, that same saying should hold true for her as well. Don't do it...or at least that much. Helping out a little is fine, but your life savings??? C'mon now, don't let her take you for a ride!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Your slow aren't you? Close your checkbook and you should never let anyone know how much money you have in your savings or checking. It's better her feelings are hurt than your livelihood.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Tell her to kiss your butt and leave . any body that asks you to do that are only hanging around you because you have alot of money. most likely she's a cheap backstabber that will bribe you or get on your nerves till you give in then she will leave you with all you had.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

You lend her the money, she doesn't pay you back. You go into debt because of her. Your credit rating gets ruined. She breaks up with you. Sounds like Judge Judy story coming up.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

She is being quite selfish. The mere fact that you have offered to help her out with loaning the money interest free should be enough of a sign to her that you love her. Some men wouldnt bother. The problem is she got herself into this problem and she is expecting someone to get her out of it. She will not learn responsibility if everything is just given to her. You will have financial problems later on together if she doesnt wake up to herself now. I would be cautious also about how you go about loaning her the money. Fair enough to be interest free and perhaps long term payments but a contract of some sort should be drawn up. This would probably infuriate her I would imagine. But hey,

its 10K and your life savings - not a drop in the bucket. I think she sounds a little manipulative if she has put forward that she feels alone if you loan her the cash. That could not be further from the truth. If she is like this I guess I would be very careful with my emotions and take a step of strength to prove the relationship.

Should I put more money down for downpayment to lower the loan amount?

The vehicle I am interested in buying is around $18000. I am not sure if I should put as much cash ($6000) as possible as downpayment to lower the monthly payment. or should I keep more money in the bank account and pay less downpayment ($2000) and have higher payment? What do you think?

Thanks.

Should I put more money down for downpayment to lower the loan amount?

If you can pay more for the down payment then you should. It might also reduce the interest rate.

Should I put more money down for downpayment to lower the loan amount?

With finances, it always depends on the interest rate that you can get. If you can get a higher interest rate on your money than what you are being offered for the loan, then place less money down. If the interest they are charging you is high, then put more money down.

If you are being charged something like 3.9% interest, but you can get 5% interest by opening a savings account, it would mean that you would be able to actually make a tiny bit more money by putting a lower down payment and placing the remaining money in a savings account. (Now compounding also comes into play. Most savings accounts compound daily and car loans typically use simple interest)

On the other hand, if you are being charged 9% for your auto loan and can only save at a 5% rate, then obviously place more money down, so you pay as little interest as possible. Place enough down, but make sure you always have a reserve for those unforseen things. (ie keep an extra one or two car payments in a savings account incase you lose your job, lose the ability to make money for a short period, or anything similar)

Should I put more money down for downpayment to lower the loan amount?

Since new cars depreciate after driving them off the lot...they are rarely an investment. That in mind, it would be best to pay it off sooner or go with the lower payments. This way you can allocate your monies elsewhere.

Should I put more money down for downpayment to lower the loan amount?

On a vehicle loan, I am guessing that the interest paid is going to be substantially more than interest you could earn in a CD or term deposit at the bank. The more you put down at the start, the lower your overall payments will be. Shop around for different deals tho, some places will offer you a low percentage rate but you need to check for hidden catches in the fine print.

If you have a family member, parent etc, with extra resources you could try setting up a private loan for a rate equal to what they could get by investing the money themselves - ie around 6 or 7%.

Should I put more money down for downpayment to lower the loan amount?

Depends on if you have enough cash for some unforeseen emergency. Car loans aren't like home loans, where the interest adds up so fast. It wouldn't hurt to keep a little. These days you can earn 4% on a cd and get an auto loan for around 6%, so it won't cost you that much to hang on to some cash.

Should I put more money down for downpayment to lower the loan amount?

The answer to your question is a Yes, with stipulation.

It depends on what your interest rate is, and what you can earn on your own money.

Lets say your car loan is for 3.9%

But you have that $2000 in a 7% yield fund...

Then you can make more money on your $2000 than you'd save by spending it.

However, generally speaking, that's not the way it goes. Car loan is probably more like 8.9% interest, and your bank might be paying you 2.5%

So, you are better off putting down as much as you possibly can. As long as it isn't so much that you have to use your credit cards to pay your bills. The concept is %26quot;How much % interest does the money you forked over cost you to get%26quot;

Look at it this way.

18,000 car

figure .. 6% sales tax

60 months

8.9% interest

= $$271 a month in payments if you put $6000 down

$22,260

Now, if you put down 8000.. your payments are 229

= 21,740 total purchase price.

spending 2000 saves you 520 in INTEREST. That's 26% of what you spent. Do you think you can earn 26% on $2000 in 5 years at your bank?

The higher the interest rate , the more money you save, of course

48 months comes out to

21,600

21,200

or a 400 savings.

The best thing, financially speaking, is to put down as much as humanly possible, and go for as short a term loan as you can afford. If you can afford, say $352 a month for 36 months with 8000 down (that's what it comes out to) then do that! You'll only end up paying $20,672 for the car.

Should I put more money down for downpayment to lower the loan amount?

It will bring your monthly payment down about 60 dollars based on a 60 month agreement. w.a.c. (lol) do you want to save 4000 now or save 60 every month for 60 months

How should i go about this freelance from the start, or spend big cash i dont have on school?

ok imma 21 female when i lived in LA a year ago i decided i wanted to be a makeup artist since there were so many oppr. there tv movies etc. well ive moved to FL because of my fam and i still want to persue this but i dont know if i should take out a student loan for like almost $4000 -for classes and suplies including makeup %26amp; they said that 98% of students get work right away and she started dropping big celeb names 2-- im not sure if she siad that to intice me. and the school is well def. not walking distance i dont even have my liscence or my car yet OR should i just spend money on makeup and suplies and freelance and give competitive prices by either ad. on craigs list and buisness cards, work w/ photogs, word of mouth etc. i can already put on makeup well and u learn as u go anyway i only have like $1000 to my name agin i dont have a car yet i only have until october 26 or nov. 28th '07 to decide

How should i go about this freelance from the start, or spend big cash i dont have on school?

don't even think about putting out ads for yourself if you don't have the education and license. you will get yourself into big trouble.

if you can't afford school right now, don't go into debt for it. find another job until you can afford it

make a portfolio of work on family and friends in the meantime.

How should i go about this freelance from the start, or spend big cash i dont have on school?

You already said that a license is required. To get the license, you have to do the schooling. If you don't get the license, and when somebody asks for it you can't pull it out, you could wind up in some big legal trouble.

Please say if statement is true or false. thanks.?

1. An increase in an asset account is a source of cash, whereas an increase in a liability account is a use of cash.

2. Depreciation, as shown on the income statement, is regarded as a use of cash, because it is an expense.

3. If a firm borrows money from a bank or reduces its level of inventory these are both examples of sources of funds.

4. When a firm pays off a loan using cash, the source of funds is the decrease in the asset account, cash, while the use of funds involves a decrease in a liability account, debt.

5. Retained earnings are the cash that has been generated by the firm through its operations which has not been paid out to stockholders as dividend. Retained earnings are kept in cash or near cash accounts and thus, these cash accounts, when added together, will always be equal to the total retained earnings of the firm.

6. If a firm has high current and quick ratios, this is always a good indication that a firm is managing its liquidity position well.

Please say if statement is true or false. thanks.?

i would have to say true

Please say if statement is true or false. thanks.?

1. True 2. True 3. True 4. True 5. not sure on this one, sounds like it may be true 6. always is a dangerous word, you have to do further research to see if that is true, there could be other things going on with the firm (fraud)

In what different circumstances a buyer can walk out of a closing with cash?

Looking for circumstances other than a property appraised for more than the sale price, (and obviously the buyer qualifing for that loan amount and the seller agreeing to those terms)

In what different circumstances a buyer can walk out of a closing with cash?

There are several techniques a buyer can use to come away from a closing with cash in his/her pockets. Most involve some form of seller financing, though the return of earnest money from a contract gone bad is another, more common method.

In what different circumstances a buyer can walk out of a closing with cash?

he brokered his own loan

The seller paid a set $$ amount towards closing cost and prepaids and it was not all used up in a 100% loan

Real Estate agent and represented themselves as buyers

Just to name a few

In what different circumstances a buyer can walk out of a closing with cash?

Your question makes no sense.

Try a mortgage message board where you can chat back and forth with an experienced loan professional.

In what different circumstances a buyer can walk out of a closing with cash?

at no point where a lender is involved. Cash back on purchases is limited to the borrowers earnest money. If you have negotiated cash back, it will have to be done outside of closing...which is a big no no

Where do i get a loan of 閳?000 in ireland without bank statements ????

i have a full time job and get paid cash every week . i have payslips only to prove my income.

Where do i get a loan of 閳?000 in ireland without bank statements ????

Try the sopranos, c/o channel 4.

Or other nasty men with guns, as per the above reply.

All should be helpful and friendly...

Where do i get a loan of 閳?000 in ireland without bank statements ????

try harry the bastard

Arizona Foreclosure?

I don't want to leave my home that I just purchased 7 months ago. I am listing all my options to try the best first and go down the line exhausting each one and foreclosure is the very last option that I would ever feel the need to use. I am currently looking into ways to restructure my loan, cash-out my stock, call in debts owed me, I even grabbed a part time job. My question is if I were to have to foreclose and my home was sold at an auction for less than the amount I owed the lender, by Arizona Law is it true that if the property is under 2.5 acres that I am not responisble for the difference in the loan amount?

Arizona Foreclosure?

It was true that banks could come after you personally for the difference, but recent law changes protect you from that, of course your credit will be seriously damaged by a foreclosure. So your answer is yes it is true that you will not be responsible for the difference.

Arizona Foreclosure?

you may refer your queries in this website. they have helped thousands save their home from foreclosure with their proven system and expertise. they claim they can negotiate with your lender to stop your foreclosure.

Arizona Foreclosure?

I was once in your situation. Don't worry, everything will work out for you =)

A year ago I found this organization that gives people up to $1500 in renter or mortagage assistance! They operate in most US cities, I highly suggest you try to get some of this money.

http://www.help-with-rent-mortgage.org

Good Luck!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should

I offered to loan her the money (10k) as I cannot afford to give everything to her. I know she will pay me back, but she has trouble budgeting, so I asked her how much she could afford to pay me every month. I am only asking her to pay me back at a rate she can afford. All interest free of course.

She feels hurt that I would ask for my money back, because she thinks that love means that I should go all the way with her, and not think about the money at all, or if or when I can get back my life savings.

I can see her point of view, and she thinks she's walking alone if I loan her the cash. But, I feel I'm walking together with her on this by loaning the cash, and I wish she would try to take more control of her life.

Can anyone share their thoughts on this subject?

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

hi, she is just your gf. you don't know what might happen to your relationship with her in the future. don't give your money to her. she sound like she like to have your money and not paying back which is so unfair. i know you love her but she has to control herself. and also, if you are going to loan money for her, let her sign an agreement to pay whatever amount you guys agreed to pay every month. think about yourself too not just hers. anyway, that's not your problem. yes, you can help but don't shoulder all of it. good luck!

i am a woman with almost the same problem and my ex bf paid all my debt, unfortunately, we broke up and there's no aggreement for me to pay him back every month and now he is suffering to pay for it. careful! i don't wanna do it again though and thinking i will pay him the whole amount at the end of this year but i will just surprise him. he don't know my plan of paying him the whole amount.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

That's great !!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Tell her to kiss your butt.

Do NOT give her the money.

Love does not mean permission to act irresposible and take advantage of someone else's better money management.

She needs to grow up and pay her own bills.

If you loan her the money have her sign a note. If she loves YOU she won't have a problem with that.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Keep your money in the bank and RUN Fast. Get as far as you can away from her. and tell all your friends so they dont hook up with her.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Tell your girlfriend to get her bills consolidated and don't loan her any money, she might be your girlfriend now but who knows what might happen later.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

First off, that money is yours. You should never offer the money to anyone like that, where they tell you you should just want to give it to them, if you don't expect her to take it and run. Because unless you have proof of it, it is your word against hers and you could wind up screwed. Besides she sounds kind of shady about the whole thing. She should never ask you for the money and then make you feel bad for asking how she is going to pay it back, you worked for it, and it is yours. My opinion, don't give her the money, even if she says she will pay you back.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

NOOOOOOOOO stop right now , as soon as ur money is gone so is she. plz save urself before it's too late .

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

RUN RUN RUN RUN RUN RUN RUN RUN RUN!!!!!!!!!!!!!!!!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Move and do not leave a forwarding address. Put your new phone in another name. Sorry, but, that is what I will do now from experience.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

i dont think you should loan her the money. help her go to a financial counselor and plan her budget. I loaned all I had to a friend who was being foreclosed on her home and I never got any of it back. I feel realy biter about that

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

She shouldn't feel hurt that you're asking for the money back. She should be kissing your feet for having such a great guy! Sounds like she has a lot of debt. If you pay it off this time, what about next time? And the time after that? I would tell her that she needs to take out a loan because you can't risk depleting all of your money. You've worked hard for your money, and shouldn't have to worry about not getting it back.

A word to the wise... if you plan on marrying this girl, GET A PRENUP!!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

I have always been told, not to loan money to friends, boyfriends or enemies. Your only asking for trouble when you do that. However, that is only one opinion.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

tell this chick to take a hike, at least money wise. hint; you said GIRLFRIEND not WIFE. with gf's theres a big percentage chance that you two will no longer be together in a few years. what would stop her from breaking off all contact with you and taking the money? no offense to your gf, its just a scenario

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

i realize why she would think the way she is, but if she loved you, she would realize that you can't give away all your money beacsue of her bills, yes maybe you should loan her some but, maybe well i donno A JOB! would help.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

make her *** get a job and pay them off her self. what are you her *****?

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

is her name Anna Nicole Smith?

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Uh no, she aint ur wife, just a gf, cause u didnt say a serious gf, so thats just stupid to ask, and she should repay!!! ugh havesnt she heard of loans!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Go look in the Morrow, see if you got %26quot;SUCKER%26quot; on your forehead.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

The fact that you even offered to loan her the money shows what a great man you are. Besides, she is just your girlfriend. If she can't accept that, you need to reconsider her motives. Don't allow her to make you feel guilty because you are using common sense. If she does accept the loan, get an official contract. This will give you a leg to stand on if you ever need to call Judge Judy.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

She's trying to manipulate you into giving her the money. Don't even loan it to her. If she needs money to pay off her credit card debt she will never save money to pay you back. Forget about it.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Wow. I can't believe she actually asked you to give her your life savings. Credit card debt comes from irresponsibility (I know because I have tons of it). She needs to take care of it herself. Tell her it becomes your problem when you get married. Until then, sorry!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Get your butt outta' there. Money is the root of all evil. No kidding.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

i see all the time on court shows on tv where an ex sues a former %26quot;lover%26quot;,ex over money that they loaned to pay things off and bills. so i would think about it before you go and give her 10,000 $ because that is alot of money. does she need it right away? i would have her pay you back because if it will be for the long run, like someday you two getting married you will get passed this.

i see both ways but i really do think you should set monthly payments where she can pay you.(and get it in writing if something does happen)

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

if you loan her the money it won't make her anymore responsible,you will be giving her the easy way out let her figure out a way to be a big girl and do this one on her own debt can be depressing support her emotionally

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

I think that love has no monetary value, but that because of her past with money you have every right to expect her to pay you back. Also by asking her or getting her to pay you back little by little that is showing you love her and trust that she'll pay it back. Why does she need to have that all paid off now? I think you're right and that your girlfriend does need to take more control in her life. I don't think that she should feel hurt I mean after all you are trusting her with your hard earned life savings, she should be thankful. If my man loaned me that amount of cash I wouldn't say a damn word, but thanks.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

H$$l Naw. You are not married to her. GIRLFRIEND is the key word. IF you do LOAN her the money make her sign an agreement with a witness. You need to start watching Judge Hatchett!!!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

You answered you're own question. You said that she thinks that love means that you should go all the way with her, and not think about the money at all. Because love is a two way street, that same saying should hold true for her as well. Don't do it...or at least that much. Helping out a little is fine, but your life savings??? C'mon now, don't let her take you for a ride!

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Your slow aren't you? Close your checkbook and you should never let anyone know how much money you have in your savings or checking. It's better her feelings are hurt than your livelihood.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

Tell her to kiss your butt and leave . any body that asks you to do that are only hanging around you because you have alot of money. most likely she's a cheap backstabber that will bribe you or get on your nerves till you give in then she will leave you with all you had.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

You lend her the money, she doesn't pay you back. You go into debt because of her. Your credit rating gets ruined. She breaks up with you. Sounds like Judge Judy story coming up.

My gf wants me to give her all my lifesavings so she can pay off her credit card debts. What should I do?

She is being quite selfish. The mere fact that you have offered to help her out with loaning the money interest free should be enough of a sign to her that you love her. Some men wouldnt bother. The problem is she got herself into this problem and she is expecting someone to get her out of it. She will not learn responsibility if everything is just given to her. You will have financial problems later on together if she doesnt wake up to herself now. I would be cautious also about how you go about loaning her the money. Fair enough to be interest free and perhaps long term payments but a contract of some sort should be drawn up. This would probably infuriate her I would imagine. But hey,

its 10K and your life savings - not a drop in the bucket. I think she sounds a little manipulative if she has put forward that she feels alone if you loan her the cash. That could not be further from the truth. If she is like this I guess I would be very careful with my emotions and take a step of strength to prove the relationship.

Is this behaviour acceptable at all, under any circumstances?

My friend has 2 sisters, and he has just received message from his doctor that he has a tumour in the colon. The doctors are strongly recommending to do a further test, and to remove the tumour quickly. They all have a history in the family; their mother passed away 1 year ago, of cancer in the colon. My friend has no health insurance, and has for the moment some cash flow problems. He is asking his sisters to help him out with 2,000 dollars for a short time to get the test done and to remove the tumour. Maybe needless to say, but my friend has an agonising pain, psychologically, both eager to get the tumour removed and to find out that he does not have cancer. Anyway, both the 2 sisters is not interested in helping him with the 2,000 dollars. They are saying they have other expenses as the holiday coming up, loan payment on the cars etc. Both of the 2 sisters have the money, it is no doubt about that. Any justification for this behaviour? What do you guys think?

Is this behaviour acceptable at all, under any circumstances?

That is absurdly horrible, that their own family members, wouldn't help them out, especially after what has happened in their family. Tell you're friend to sit their sisters down, and tell them that, he has a tumor, in his colon. And that he needs help, more than ever, from his two sister. Then tell him to say, remember what happened before, in our family? Do you want that to be me? If this doesn't help him, then you could set up something, a fund raiser. If you could set up a fund raiser and you're goal would be just a little bit over $2,000. Have it be a fun, fund raiser, but casual. Have good, but non-expensive food. Then have an auction, or just a regular fund raiser. If that is not an option, then you could always have a yard sale, and even though it won't make you $2,000 in one day, it is a start. And it is obvious you care about you're friend, and it seems that you are willing to do almost anything to help. Which makes you, a great friend.

And to answer the question, that behavior is not acceptable at all under any circumstance! It is absolutely ridiculous that they won't help!

I'll pray for you're friend. Good luck! God speed.

Is this behaviour acceptable at all, under any circumstances?

That's positively deplorable behavior, especially given the family history. Unbelievable -- holidays %26amp; car payment?! Puleez!

Is this behaviour acceptable at all, under any circumstances?

Absolutely not. That's completely selfish, if they have the money. Guess I just love my family too much.

Is this behaviour acceptable at all, under any circumstances?

for me, family is everything, so in my mind the sisters arer both bad people, no excuses, end of discussion

Is this behaviour acceptable at all, under any circumstances?

Not every family is like the Brady Bunch or the Waltons. Sure, it would be nice if the sisters did help out, but they are really not obligated legally to do anything just because he is a blood relative.

Unless one knows more about the familial relationship, whether or not it's been a dysfunctional one all along or maybe has a history of abuse of some sort, no one is in a position to judge who is %26quot;bad%26quot; and who is not in this situation.

An example? I had a half-sister who would act all nice and loving in public, but in private was verbally and physically abusive to me most of my life. She would steal money from my mother's purse on a regular basis. We do not get along to this very day. She was and is an extremely selfish and violent individual. She wouldn't help me, either, when my mother died and left me saddled with the debt from the funeral and hospital...so I would be very reluctant to help her out now...and if that makes me %26quot;bad%26quot; then so be it. Some people earn what happens to them. So maybe this guy isn't the %26quot;angel%26quot; you seem to think he is!

Is this behaviour acceptable at all, under any circumstances?

I dont know them but I think that is a bunch of crock! This is a serious situation. This is life and death. I wouldn't think twice about giving that money to my sibling. I cant believe that! Your friend is in my prayers!

Best of luck

Is this behaviour acceptable at all, under any circumstances?

I think that's ridiculous. I think the girls are his sisters and family sticks together. Your friend should quickly reach out to other communities for help. Does he got to church where they could possibly raise money for his health needs? Does he have other relatives that could help. If his mother passed away from colon cancer then this is urgent. Get it out there and raise some money.

Is this behaviour acceptable at all, under any circumstances?

Have they had trouble with him paying them back before? Or any other reasons to not trust him?

Personally I would not deny the money to my siblings, but I dont know what thier history is.

For the time being he should file for the state's health care. If he is having trouble with money he will probally qualify. I hope he pulls through okay!

Is this behaviour acceptable at all, under any circumstances?

Maybe you just think they have the money but they don't, either way that is not the issue. The REAL issue is that your friend needs to get this done now. I think he should just go ahead with it and wait for the bill, when the bills come he can apply for a medical grant if he doesn't have the money. If he is in real pain and needs to get this done there should be no excuses. It is sad that his sisters won't try to help him, but it is none of your business really. If you are as concerned as you say then why don't you try to hold a benefit for him? I am sure that will bring enough money to get him the sugery!

Is this behaviour acceptable at all, under any circumstances?

No

Is this behaviour acceptable at all, under any circumstances?

Well we have to accept it , some families do help no matter what but I like my own independence and take what may come in strife's. Have strength and share wealth when comfortable to do so.

Is this behaviour acceptable at all, under any circumstances?

Totally unacceptable! That's no way to treat family and the only way I see that the sisters would not help out in a life or death illness situation is that there must be a huge rift between the brother and 2 sisters. Any past feuds between brother and 2 sisters??

Is this behaviour acceptable at all, under any circumstances?

They are extremely selfish , an inhuman approach.

You try talking to these ladies and if they are married may be talking to their husbands,might help. Try stiring their souls.

Meanwhile you need to explore with other friends.. Wish you and your friend GOOD LUCK.

Is this behaviour acceptable at all, under any circumstances?

Reminds me of the story of the, %26quot;Grasshoper and the Ants%26quot;,

Oh the world ows me a living.............

Why can't he come up with his own $2,000 or insurance, sounds like he has done nothing all his life but spongue off other people, state funds and welfare lines and now he expects others too care.... well.. to bad...

It is not the sisters responsibilites to take care of him.. you didn't post age and this would be a different story if they were middle age or older.. but I get the feeling this dude is about 25 and has made no contributions too life at all.... and he or you want justification for THE SISTERS BEHAVIOR?

Tell him too sell one of his cars, or house or stereo or what ever... oh.. how about rewind the clock and start over....

if this is not the case, I appologize sincerely in my short approach to his medical and financial conditions, but too many times people go through life that they believe this Universe turns around them... and you know what...Surprise.. %26quot;It doesn't!%26quot;

..............................

I just read some of the answers above mine.. what a bunch of sniveling blankety, blankety, oh family is everything... loosers..., we are only getting one side of the story people and look at the way this is written.. so one sided.... only one or two of you could see through that.....

there is more too this story then we have been given and the author is looking for self justification of his/her feelings...

Is this behaviour acceptable at all, under any circumstances?

if he can get some help from SSI , %26amp; not it not acceptable behavior, what kind of a sisters they are even a stranger will help someone in that circumstance but his own sister refuse to help unbelievable

Is this behaviour acceptable at all, under any circumstances?

Wondering where you live. Despite all you hear, you CAN get medical treatment without having money or insurance in the US. Find out which hospital in his area is best for this. Many offer grants to needy patients and all of them in my experience offer discounted rates for non-insured with very lenient pay schedules. The sooner he gets a diagnosis and treatment, the better. Email if you need help with the research.

My house apraised at 369K, my accepted offer was 345K.. can I borrow 355K and get cash at closing?

My credit union allows Maximum loan-to-value of 101.50%-- does this mean as long as my amount borrowe doesnt go over 101.5% of 369K ill be OK

My house apraised at 369K, my accepted offer was 345K.. can I borrow 355K and get cash at closing?

It is possible, but it depends on the policies of the lender. many lenders have policies that they will only fund the lower of the purchase price or appraised value, no matter what the appraised value is. the reason for this are that many lenders have been burned when they did a larger loan due to an inflated appraisal, then later found the house wasn;t worth it when they later had to foreclose. This was a huge problem in the 70s and 80s, and it still occasionally happens now.

So if the lender says okay, then sure. If the lender says no, you could shop around to find one that will do this.

Another option is simply to purchase it now at $345k, then in 6 months refinance.

My house apraised at 369K, my accepted offer was 345K.. can I borrow 355K and get cash at closing?

Yes you can. I would be careful though because typically you get a higher interest rate when your loan to value exceeds 80%.

Do anyone know if there is anyplace that you can get a unsecured loan with your job as your credit?

I have no colateral, no checking account and bad credit but need cash fast. Maybe there is a place where you can use your job as your credit and they just give you a high interest rate.

Do anyone know if there is anyplace that you can get a unsecured loan with your job as your credit?

you go to local credit union open an account for 5 dollars and get a personal credit loan froum or kemba or credit union you can go on line and apply

Do anyone know if there is anyplace that you can get a unsecured loan with your job as your credit?

check out www.prosper.com

Do anyone know if there is anyplace that you can get a unsecured loan with your job as your credit?

You may find willing lenders, but high interest can kill you. And, speaking from experience, there are lots very costly, dangerous scams out there. Please be very careful and have a COUPLE people you trust meet the lender and review all paperwork. Sign nothing and never pay an up front fee for a loan, i.e., processing fee, application fee, etc. That is not legitimate.

Do anyone know if there is anyplace that you can get a unsecured loan with your job as your credit?

Just those %26quot;payday%26quot; loan stores, but they are a SERIOUS ripoff! We're not talking %26quot;high%26quot; rates, we're talking rates that used to be called usurious -- several hundred % per anuum.

Paying rent late?

I've never had any problems with my apartment or my landlord, never been late on a payment or anything, but I dont have enough to pay it on the 5th. (last day of grace period.) I just had a really bad month with finances. Alot of suprises :( but I get paid on the 9th, and can pay it then, but it will be 4 days late! I REALLY do not want to pay it late, and dont want to take out a loan, or cash advance. I heard you dont get charged with a late fee if you pay it 72 hours after the 5th? I could write a check on the 8th, and pray it doesnt go through until the 9th.

I'm completely lost, and desperately need advice. Thank you so much for all of your answers!

Paying rent late?

More often than not a humble phone call to your landlord explaining your situation is all you need.

They may throw in a nominal late fee (some do a % of your rent) as a %26quot;slap on the wrist%26quot; but most will appreciate your up front honesty.

Remember, your rent is their income and they're waiting on that check to be able to pay their debt obligations. If they know you're late it can help them plan their cash flows better.

Given your history of good payment, most landlords would allow you this stretch.

I don't recommend trying to play the %26quot;float%26quot; on when your check clears. It used to be that you could count on a check taking 2-4 days to clear because of processing time.

Recent changes in banking regulations allow inter-bank transactions (like check clearing) to go a lot faster (often times overnight).

My advice is to play it straight, give 'em a call be honest and be sure to get them the rent when you promise. As long as you don't make a habit of this you should be OK.

Good luck.

Paying rent late?

Why don't you call them up and ask if it's ok

Paying rent late?

paying rent late is just stupid Shelb u might get a late fee or get thrown out of ur HOUSE!!!!

Paying rent late?

most landlord understand if go to the office and let them know, and if u could give them half now and the rest on the 9th . I hope everything works out for u..

Paying rent late?

let the landlord know... NOW!

And offer them a postdated check for the 9th, so that they know you are serious.

Paying rent late?

Sorry to say, but you may just have to pay late and pay the late fee. That would be cheaper than writing a check and then the check gets cashed before the 9th and then you'll have much more fees to worry about. Pay the late fee, better to be safe than sorry.

Paying rent late?

Call them TODAY and explain your situation. The'll be more understanding if you are up front about it. It's not a big deal (imo) - it could become a big deal if you are evasive about it.

Don't wait.

Paying rent late?

Myself I think I'd go to the landlord and explain my case. In business honesty can go a long ways. If you were always making these excuses thats one thing but if you've been there awhile say a year and you've been on time always I'd surely plead with the landlord and if that just don't cut it go to family or close friend to borrow or use a credit card to pay some of the bigger appartment places surely take credit cards.

Good luck!!!

What does this mean..?

I cashed my student loan check ($3,000) and I took it to the bank.. well my co-signer doesn't live here and he signed it and mailed it back to me but wasn't present when I cashed it.. when I took it to the bank, they accepted it but are placing it on a 2-5 business day %26quot;hold%26quot;.. What does this mean?

What does this mean..?

Banks often put holds on various checks, just to make sure the funds clear before you go withdrawing the money. Usually it's for larger personal checks or out of state checks that someone has written.

They should be able to give you a definite timeline though. Not 2 - 5 days.

I'm kind of surprised on this one, as it's either a bank or gov't check, but don't sweat it.

What does this mean..?

It means that you will not have access to the monety until the check clears the bank it was written on. This usually takes 3 to 5 business day to clear. Your bank just wants to make sure the check is good before they give you the money.

I sent a certified check through mail to pay off 401k loan-mailed on Sat.-still have not received it

It could be that the mail is slow, but I was curious if it was lost in the mail is there a way to cancell the certified check? I have a carbon copy of it. Is a certified check the same as sending cash through the mail?

I sent a certified check through mail to pay off 401k loan-mailed on Sat.-still have not received it?

Where did you mail it to? If it's back east (Boston area), remember, they are having REAL bad winter weather, so the mail is slow-to-non-existant right now.

Even after it gets delivered, allow another full day for processing.

.

I sent a certified check through mail to pay off 401k loan-mailed on Sat.-still have not received it?

not real sure sorry i couldnt help!!!

I sent a certified check through mail to pay off 401k loan-mailed on Sat.-still have not received it?

no it is made out to some emtity in this case. Yes in can be cancelled. It just insures the casher that the funds are good.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off

I have no income. My husband makes about 50k/year. We are about 20k in debt (credit cards/car/personal loan) We pay about 1700/mo rent. We figure paying off debts will save about $400-500/mo. in interest alone. Buying a house will allow us to build equity. Besides %26quot;how the heck do you forget about 401ks for so long!%26quot; do you have any advice?

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

You should know that if you %26quot;cash them in%26quot; you will have to pay taxes on it in addition to paying a 10% penalty for early withdrawl. That's $4,000 gone right there! I think if I were in your shoes I would pay off all debt and don't use the credit cards anymore...they will ruin you. You will still have about $10,000 left that you can use for a downpayment on a house. Getting a house is critical. When you rent all you do is make your landlord more wealthy. You also are paying higher taxes. So, my advice is to liquidate the account,pay off all debt and get busy on buying a house. Good luck.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

I would pay off debt, cause you can't buy a house in a lot of cases due to debt to income ratio (you have more payments in debt vs the income you have coming in) or because of credit (and the more credit you have - especially if it's maxed out or near being maxed out, the lower your credit score). That way you can be debt free %26amp; have a better chance of buying. So all in all, it's a win/win.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

If you are under the age of 65, you will lose about 30% of the $40K when you cash it in, it will also become taxable to you in the current year at your current (or joint) tax rate. If your husband makes $50K/Year your tax burden will be substantial. My professional recommendation is to keep the money in the 401(k) so that you have something to retire with.

If you are over the age of 65, I would recommend paying off the entire credit card debt and then cutting up the cards. Use the left over money for a down payment on a small house that you can afford.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

pay off your debt!! and then decide what to do. take a vacation ?

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

If your debts or any part of them are on credit cards you are paying a crazy rate of interest. Whether you use the 401ks or get a loan just for the purpose - pay them off before you do anything else.

Buying into property has been too good to be true in many countries for far too long. It now looks as if there is a serious 'bubble' in the market, and you could lose money, not gain it.

At the present time you should certainly not look at housing as a money making investment. Pay off the debts.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

Pay your debts. Don't email Marty for a subprime loan. Go to a legit nbank. Use the other money to buy a house. As long as your credit stays healthy you will be able to qualify for a decent loan.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

I'll skip the %26quot;how the heck%26quot; question. :-)

I would advise NOT liquidating your 401k to pay off your CC debt and other loans. Here's why:

There is something in your life that got you into debt. Somehow, some way, you and your husband spent $20,000 more than you could afford. You own more stuff, did more things, or received more services than his salary could support. That's no mortal sin; lots of Americans are in the same boat.

If you took this windfall and paid off your debt, you wouldn't have fixed the real problem -- that you spend more than you earn. The typical pattern for this situation is that you'd be right back where you are now, but without another 401k to save you.

You must control your finanaces first. I advise that you take your credit cards, cut all but one of them in half, and put the other one in a desk drawer somewhere for emergency use only. Make a budget: figure out what you *must* pay each month, what you possibly *can* pay to your credit card bills, and leave behind the bare minimum to live on. For at least a couple of months, try to live on cash -- and as little cash as you possibly can.

Consolidate your debt to a lower interest rate and make a point of making more than the minimum payment, so you can get your debt down to ZERO. While you're doing this, try to have your husband invest in *his* 401k plan, by at least the amount that his company will match -- this is free money; you need to take it. Leave as little for you and your husband as you can possibly stand -- you must live frugally for a while to make up for the extravagances you took in building up your debt.

Once you've conquered your budget problems, you can address the other issues. You'll have generated a good credit rating and can buy a home -- it's a wonderful idea, but you have to do things in the right order. Owning a home will increase your expenses and if that drives you deeper into credit card debt, you'll ruin yourselves.

Leave the 401k alone. Make sure that's invested in something for the long term (you don't mention your age, but if you're 30 or so, then if you invest that $40k in a stock fund, you can expect that money to reach $750,000 to $1,000,000 by the time you and your husband are ready to retire. Leave it where it is!).

You're in a tough spot with your debt, buy you can climb out. Others are in worse spots than you and they recover. If you can get a little work on the side to bring in extra cash, that would be great. Hold your expenses down -- that's the most important thing -- and pay off that debt. It might take four or five years, but you *must* do it, or you will never truly control your own lives.

Good luck,

Doug

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

Listen to what Doug just said (above). He's right on the money!

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

You will pay a 10% penalty for cashing out the 401k, plus you will pay tax on it (around another 30%). All of the sudden the $40,000 is $24,000. DONT DO IT! You can roll it over into an IRA and have 100% control in where it is invested. Be sure to talk you a financial adviser before you do that, just to be sure it's done correctly.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

Doug answered beautifully. Not much more that I can add. When you take a look at your loans and credit cards, put all of these onto a sheet of paper. Set up four columns. Name the columns, in order from left to right, name of creditor, interest rate, minimum payment and actual payment. Write out the names of your creditors in the first column. Write interest rate in next- with credit cards if there are several, you will know if you look on your monthly statement, add the rates up and divide by the number of rates; this is average rate for that card. minimum paqyment that shows on your statement. And what you actually pay..... Look at the interest rate. Put the highest interest rate on top, the next highest and so forth. Put minimum payments next to them all. Now, look at your actual payments, cut all actuals back to minimum on the second highest all the way to the bottom. Take all that extra and put it on top of the minimum for the highest card. You are keeping your credit good but you are paying one card, the one with the highest rate off first. When it is all paid off, roll that entire payment down on top of the next highest, til paid. Then the next, etc... I know this will help you, just as it has my clients. God bless.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

You will probably pay a 10% penalty to cash in the 401ks, plus any taxes due if they are not of the %26quot;Roth%26quot; variety. So you should first know how much cash you would have in hand. Any very high rate interest you are paying on an INDIVIDUAL debt, like 20%+, would be a candidate for elimination.

I recently discovered old 401ks worth about $40,000. Should I cash them in to buy a house or pay off debts?

Some 401k's allow you to take out a loan from the 401k. When you make payments on the 401k, you're basically making the loan payments to yourself. If a 401k loan is available, DO NOT cash in the 401k. Borrow the funds necessary to pay off credit card debt. Then, put together a budget that allows you to live without running the credit cards back up again.