Question #1:
My credit is really bad, how can I get a fast auto loan?
You've heard it all before, bankruptcy, bad credit etc. My car is really in bad shape and I need an auto loan fast. What's the best way to get a fast auto loan?Question #2:
My Student Loans and credit report.?
As an undergrad, my parents and I took out a joint loan from Sallie Mae for my final year of school. A few years ago they consolidated this loan with others from Sallie Mae. My question is, even though I am not paying the loan, and the original loan has been consolidated with others that my name is not on, why does it still remain on my credit report, and how can I get it removed? Im trying to repair/raise my credit report and want to remove as many potentially negative items as I can. Thanks for the help.The loan hasnt gone into default, and as far as Im aware is being paid off with other loans that have been consolodated with it. The other loans arent in my name, only this one.
Question #3:
What should I look for as a new credit card user?
I'm looking at getting a credit card to try and build some credit, right now I only have a few cable services in my name and plan on trying for a loan in a few years. I get brochures from banks all the time about credit cards and have been giving it some serious thought. In case anyone is wondering, I'm Canadian and the branches I have access to are TD, Scotiabank, BMO, RBC and CIBC. I'm having a hard time trying to figure out what perks make for a good credit card. I've sat down with a rep from TD which is my bank branch, but I wanted to get some outside opinions so I don't wind up pressured into taking one with them.1. Do I get any incentive to get a credit card with the bank I'm currently with? Nothing in my paperwork from any of the above branches suggests this.
2. Is it better to have a low interest rates or no annual fees?
3. Would I be able to build enough credit by using the card mainly to pay for utilities, or would I need to make bigger purchases to actually make a difference?
4. I've been told that I can use the card and immediately after transfer money from my bank account to cover the funds I've just spent. Is this only possible with e.g. a TD bank account and a TD Visa?
Hopefully this gives enough information, I'll be sitting down with some other banks and talking about the options, but I don't want to walk out with a card thinking I've gotten a good deal by someone just trying to sell the program. In case anyone was wondering, I don't need this card as a way to get myself out of jams, I do have a well paying stable job, and I'm also not looking to use the card to pay off utilities when I have no money.
In case anybody else says this, I would rather not get a card at all than just use it for emergencies. If that's how I used it, I would have no guarantee as to when I could pay it off, and I'd rather have no money in my bank account than a high credit card statement and a ton of interest. Is it even reasonable for someone to have a credit card just for building credit or does everyone out there only use it for an emergency?
Question #4:
How do I cancel my financial aid and student loans?
I'm supposed to start University of Phoenix on the 29th. I've read horrible things and I want to leave before I incur any debts. How should i go about telling them I don't want to start classes and cancel my financial aid and student loans and grants with Sallie Mae? Thanks!Question #5:
Can you get a loan out for an apartment?
If I were to go to graduate school, and needed a loan for 4-5 years to live in an apartment, is that possible?Question #6:
Can anyone explain 'maturity date' on a car loan and how it works?
I know it'll sound stupid, but I'm really confused. I've never paid a car off on regular payments, we have just paid a big chunk early and paid it off in one 'swoop'.We financed our car for about $24,000 total. We've paid for 4 years and our payoff is about $12,000 right now, with our maturity date set at 5/2012. So How is it that we've paid $12,000 in 4 years and we're magically going to pay off the other half in only two? Does the interest rate drop at a certain point? I didn't see this anywhere in our paperwork.
I'm just really baffled by how this works. Thanks for any help!
Question #7:
Help me with these Housing Questions?
Okay... Anyone that knows anything about home finances should be able to answer these questions. 10 points best answer! It's okay if you don't answer all of them, just whatever you can!Personal Financial Planning
Meeting Housing Needs
Please answer the questions.
1)What are four options for housing? Define each.
2)Explain the statement “the home as a tax shelter”?
3)Explain the statement “the home as an inflation hedge”
4)Define Each
a.Prequalification
b.Earnest Money Deposit
c.Contingency Clause
d.MLS
e.RESPA – (what is it?)
5)What is PMI? When do you have to pay it?
6)What are points and closing costs?
7)What is the most a mortgage company/bank will loan you expressed as a percentage of your monthly take home income? (assuming you have no other installment loans)
8)What are three reasons why people would choose to rent?
9)Explain the statement “agents are typically employed by the seller”.
10)What is a title check?
11)What is the difference between a fixed rate and an adjustable rate mortgage? Balloon-Payment Mortgage?
12)What are the basics you need to understand before financing your home with an ARM? Define Each
a.Adjustment Period
b.Index Rate
c.Margin
d.Interest Rate Caps
e.Payment Caps
f.Negative Amortization
13)When would a customer choose an ARM instead of a fixed rate mortgage?
14)What is the interest rate on a 15 and 30 year fixed rate mortgage? Use the internet.
15)What is a sub-prime mortgage? Use the internet. What is the rate for these types of loans?
16)What is a non income verification mortgage? Use the internet. What is the rate for these types of loans?
17)What is a jumbo mortgage? Use the internet.
18)How can someone finance a home 100% with a mortgage? Use the internet.
19)What is an FHA mortgage?
Question #8:
I found out my girlfriend "sells" herself. What now?
About two months ago, I started going out with a girl in my class (I attend law school). Since then, our relationship has developed. We've been sexually involved for the past three weeks. I really like her; particularly because she is physically attractive, intelligent, and seemingly caring.Anyway, last night, she told me something completely shocking... she works as a part-time call girl (which is pretty much a high-class prostitute). It didn't really make any sense... until I put two and two together -- she would often receive telephone calls at odd hours of the night, leave for four to six hours then come back, and is amazingly good at sex!
She told me that she does this to pay for student loans from undergrad, help pay for living expenses, and help pay for law school tuition and books. Apparently, she is paid $600 an hour (but $450 after her "agency" -- or the "company" that she works for -- takes its portion out).
Right now, I feel outraged and jealous. That all these weeks, she's been seeing other men, then coming back to me (I don't like the idea of having one guy have sex with my girl before I DO... or vise-versa). At the same time, she's extremely attractive and very smart. I really care for her; she's funny, caring, and... well... good in bed.
Should I continue seeing her?
Question #9:
IVF costs, ways to pay, and experiences w/ IVF from people who have had natural miscarriages.?
First let me start by saying I have had 4 miscarriages, all withint 9 weeks gestation. Reproductive endocrynologist saw me after the 4th, did every test under the moon (blood tests, hormone screens, hystosalpinogram, chromosome analysis of both spouse and I, ultrasound, etc). EVERYTHING was within range/normal EXCEPT my AMH blood test was high and I had a lot of follicles on my ovaries, which they said both are associated with PCOS, but NO HORMONE issues.Anywho... currently I am on birth control to destimulate my ovaries. Dr's want to do this, then have me try again. If I conceive before my ovaries hyperstimulate again, they will monitor me closely to make sure other issues arent coming in to play after conceiving for the pregnancy.
Dr. said I would be a good candidate for IVF, shared risk. Cost is $18-26K but we would be given up to 6 tries to bring a baby home from the hospital or we would get a 75% refund.
My questions are... has anyone out there had miscarriages for similar reasons as me and tried IVF? If so, what were your experience?
Are there ways to pay other than taking out a loan (like grants etc) available? If the couple doesnt have the money saved yet?
What were your own costs, experiences, and outcome (especially for couples who conceived in the past but went IVF for similar reasons as mine)
My husband and I are debating on following through and doing this option, saving for adoption and just adopting, or saving for adoption and try on our own and see what happens next go round.
With shared risk programs, if for example I concieve the first 3 tries and miscarry all 3 tries, am I stuck having to do all 6 tries before getting a refund? Or, if it looks like things are stacked against me to carry to term they will give up and refund my money (like if they determine I had bad eggs after cultivating them, etc, or similar).
I want to try IVF, but I dont want to miscarry 6 more times trying, know? So any sincere advice/stories/guidance would be greatly appreciated. Thanks!
Question #10:
questions regarding banking and finance?
questions regarding banking and finance?ques .1 : IF more customers want to borrow funds at prevailing interest rate . financial institution can increase its profits by raising interest rates on its loans " is this statment is true or false or uncertain explain ur ans.
ques 2 what are primary services that an banker will provide a firm issuing securities ?
Question #11:
mom threatening to call?
my mom is threatening to call the cops on me because i told her that my sister better have my stuffback to me, or i will go get it myself.
and she told me if i put a hand my sister she would press charges....
this is coming from the same woman who wouldn't report my cousin raping me
who lets my dad verbally& physically abuse me.
just wednesday he told me "im going to knock your teeth down your fcuking throat you worthless little btich"
he took my car that the loan is in my name he is the co-signer and sold it without my permission
i was even making the payments on it, and accused me of hiding late notices.
and claimed i was 3 months behind, i have every payment on record that i have made
he always is verbally threatening me, and im 18 and moved back home,
but i plan on moving back out as soon as i can.
what can i do until then, so i can stop the abuse and be less stressed?
it really is and they yell at me if i dont fight, i can be completely shut my mouth and still get yelled at. its taking everything out of me, i sleep so much all the time anymore, when i was on my own i was so much happier, i didnt stress about anything, i had a job, a car, and my fiancee (he is now in texas trying to help get me back there)
Question #12:
I am refinancing a Loan and the Bank wants to know the source of my Pension , is that Legal ?
Question #13:
How much total debt are you in?
Many americans are straddled with debt - student loans, credit cards, business loans, etc. It makes for a hopeless situation. Do you have hope? How much debt are you in?Question #14:
Where to buy new or used college textbooks online?
I am starting college in April 2010. I am going for accounting. I am trying to say some money from the student loans. I am wanting to pay for my school books out of pocket. I am wondering if any one knows of some good websites for college textbook used or new? Please the website need to be a reliable website. I am going to school in Indiana. Also If there is any place where I can go to buy the books are ok.Question #15:
If Obama controls student loans?
will he next decide what school you can go to and what career path you can take?Question #16:
When pawning a rifle such as an AR-15 is there a lot of strings attached & extra things that a person may need?
to do other then pay off the amount of the pawn loan & do another background check to get the rifle back ?Question #17:
Would it be worth pawning a few guns to help pay for a little extra fun on a weekend trip?
I want to have some fun but I'm not going to work while I'm on a trip so I'm looking for some fast cash in the best way that I will not have to pay back a whole lot of money from a loan place & want to just have some extra cash on hand ?Question #18:
question about homebuyer's tax credit?
here is the scenario.... couple [A] buys a house for $250,000 but they couldnt afford that much so another couple-B [ family ] contributed toward the purchase,but will not live there....each couple contributed $125,000.. the title to the home lists each couple as owning 50% of the home..couple-A took out a home equity loan on their previous house + savings to come up with their $125,000... there previous house sold about 2 months later and the home equity loan was paid off at that time for the previous house that they occupied for several years.....now tax time is here and there is a question as to whether couple A qualifies for the homebuyers tax credit...there tax preparer says they do because they occupy the new house and the old house that they lived in for several years sold shortly after buying the new house,,so that there is no question about there actually occupying the new house..............the question is this.....does couple A qualify fully for the homebuyers tax credit [ not 1st time credit of $8000,,just the regular credit of $6500 ] ?? or do they only qualify for 1/2 of that credit since they only own 1/2 of the new house??..or do they NOT qualify because of only owning 1/2 of the house??..the other question is this.....IF couple A does qualify fully for the $6500 tax credit,,should couple A give 1/2 of that to couple B ??...couple B thinks they should get 1/2 of couple A's $6500 tax refund [ if it goes through],,,couple A isnt sure what the right thing to do is.....obviously couple B doesnt qualify for a tax credit on there own taxes because they will continue to live at their own house,,they will not be occupying the new house at all.......couple A likely will buy out couple B's 1/2 of the new house in a few years for 1/2 of the appraised value at that time....couple B doesnt claim any legal right to the money,,they just think they should be given 1/2 of the $6500 because they purchased 1/2 of the new house that couple A could not otherwise have afforded...any opinions???Question #19:
Is it possible to get a loan from the social to pay the rent?
I missed a signing on day,but have since done a rapid reclaim.My housing benefit can take up to 2 weeks,I'm already in 1 months arrears.Question #20:
How can I complain about water scam with world bank?
Tirunelveli Corporation, Tamilnadu, India got loan for drinking water, but Government of India, and Tamilnadu allegedly selling ten lakhs litres of river water per day @ Rs.0.30 for 1000 litre to more than five recycling paper mills. How can I ask World Bank to complain about this and taken action to stop loan.** Powered by Yahoo Answers