Recent questions tagged finance

Description : Separating credit card accounts in an amicable separation?

Last Answer : Pay off all of them and close them. Now each person can get their own. Not messy.

Description : Is there some legal statute against this?

Last Answer : That is the power of interest, baby! Praise capitalism.

Description : Can you explain to an artist how to make an NFT?

Last Answer : NFTs aren’t really made as such, but are a way to own art. It’s kind of like a lease.

Description : Are we still going to get Covid-relief stimulus money?

Last Answer : The $1400 is still in the bill, though it obviously hasn't been passed yet. The income thresholds have not been finalized, but I imagine that anyone who is asking for financial reasons is likely ... married couples. Of course, nothing is certain until the bill has been finalized, passed, and signed.

Description : What is a good debt to income ratio?

Last Answer : I would lead with zero debt, at least zero consumer debt.

Description : How does an old bankruptcy affect future loan applications?

Last Answer : It's not supposed to. They are supposed to be wiped from your report ten years after being settled. So you should be just fine. They won't ask for info about bankruptcy - it's illegal to do so. And ... nothing else, you should get a copy of your report and go over it in detail just to be positive.

Description : Right now, how much would an unexpected bill of say $500 hurt you?

Last Answer : It would go on a credit card.

Description : When will Suze Orman come back to television?

Last Answer : Please, god, let Suze Orman remain off the air!!! She had the most grating voice and was horrible to listen to. Let her remain silent.

Description : Can someone explain how getting an item on Amazon works?

Last Answer : You can do it two (maybe three) ways. The first is you commit to shipping it out, and give them a time frame you'll ship within, then list it on Amazon. This means you handle sales when they come in ... ve ever seen, so that's what I'd recommend, but check the others out and see what works for you.

Description : What would you happily go in debt for ?

Last Answer : To clarify… Is this debt we plan on paying back?

Description : Where can I go to find business information?

Last Answer : There are any number of stock market screeners that will enable you to find out factual statistical information about a stock's performance, and often times that will include factual and trustworthy ... business in the first place). Nothing takes the place of your own understanding and knowledge.

Description : What's your one, brilliant idea?

Last Answer : A timer in a washer and dryer that estimates time needed for wash and dry. Also an smart app for washer driers estimated cycle time.

Description : How much would it take for you to consider yourself wealthy?

Last Answer : My life is quite well supplied with material comforts so I would not work if my wealth gave me an income similar to what my husband and I earn as teacher and librarian.

Description : How do I stop my elderly mother from donating to every charity that asks for money?

Last Answer : I have ATT for my home phone and they have a feature that blocks solicitations. I was getting 3–5 calls per day asking for money, now I get none. It works pretty well and I haven’t missed any calls from real people. I don’t know if any other vendors have this feature but ATT does.

Description : Do you think Bitcoin is the future?

Last Answer : answer:It needs a lot of work. It isn’t secure. And the value is subject to great volatility that makes it unpredictable as a useful medium of exchange for repayment or future purchases.

Description : Does Bond Valuation use Yield to Maturity or Expected Rate or Return?

Last Answer : answer:I don't have my formulas at hand to calculate it, but if the interest rate has gone down since the bonds were bought, and you sell them now, you will lose money, your rate of return ... $1000) and a stream of coupons at 7%, but the increase in interest rates will reduce the current price.

Description : I got a surprise collections notice of a copay I was told I didn't need to pay over two years ago. How do I keep this from hurting my credit?

Last Answer : Not much you can do except pay it.

Description : Dear freelancers, have you ever had the situation when a customer has refused to pay? Why? How did he/she explained that?

Last Answer : answer:No-I've done freelance for years but have made it my policy to write only for clients with whom I can meet face to face, or at least, if they live far away, I know very well. I ... freelance marketplaces like the plague. I'm sorry for your situation. I'm not sure you have much recourse.

Description : Why are interest rates so low in countries like USA, UK?

Last Answer : I think it has something to do with our unique economic theory on how to avoid bankruptcy through low interest overnight interbank loans. Or something like that. Calling @zenvelo…

Description : Does anyone know how many liens were on the Millenium Falcon?

Last Answer : over 9000

Description : How is it that Joaquín “El Chapo” Guzmán, formerly listed as one of the richest men in the world, was found unwashed and hiding 'in plain sight' with a minumal security force?

Last Answer : answer:He was unwashed because he escaped through the sewer when the Marines raided his house. He came really close to escaping. Security forces revealed how they finally captured Joaquin El Chapo Guzman ... sewers and drains of Los Mochis, a coastal city in the north-western state of Sinaloa.

Description : What is the difference between JP Morgan and Morgan Stanley?

Last Answer : answer:https://answers.yahoo.com/question/index?qid=20100609012711AA31C6g Simply put, Morgan Stanley is similar to Fidelity.com in that they provide investment management and advice. JP is a big fancy bank.

Description : Who gives the most accurate credit score?

Last Answer : answer:I don't think that there is such a thing as most accurate . Each of the credit companies (Equifax, Trans Union, etc.) has their own proprietary algorithms which take into account slightly ... but you cannot really say one is right and the other wrong, because they're calculated differently.

Description : My credit card transaction failed will it be refunded or not?

Last Answer : answer:Sounds to me like the transaction never went through. Have you checked your credit card companys website? Log in there and view your credit card activity.

Description : What new problems come when one becomes financially rich (millionare +)?

Last Answer : answer:There is an expectation that having a lot of money will make all your problems go away an you'll be happy. That's a false outcome, and the reality of being the same person mens that you have to ... , will come to you for funding ; which is another way of saying pissing it down a rabbit hole.

Description : Can I get some financial advice? Credit card vs depleting savings?

Last Answer : answer:Not to try to find new ways for you to go deeper into debt, but is it possible to secure a home equity line of credit? Be advised that that (if you can get it) is a lien against the ... meaning paid off in full and balanced each month - you will be then be able to save money again.

Description : Factoring: A friend or foe ?

Last Answer : Factoring has a long and if not entirely honorable, at least legitimate , history in business. Especially for smaller or startup businesses who know the technical aspects of their profession very well, ... discount amount that he paid for the full value of the receivables is his potential profit.

Description : Have you ever ignored your understanding of the law at the request of your boss?

Last Answer : Never. I was bookkeper for several years. Once when I was asked by a brand new manager to maintain two sets of books I called an accountant friend of mine and asked him if it was legal. I left the job shortly afterwards.

Description : Do you have any tips on saving tips?

Last Answer : Piggy bank and then empty it as you say weekly and put it in the bank. It’s no different really from saving any other money. Put it away before you can spend it.

Description : What's the best way to get my credit report / score?

Last Answer : you can get a free copy at annualcreditreport.com. This will tell you what your report says but it won't give you your FICO score. You will have to pay for that. There are three credit reporting agencies, ... to one or two. Each must give you a free credit report once a year if you request it.

Description : Refinancing an auto loan - in-house?

Last Answer : answer:Yes, of course, ask them. If they say yes, you com out ahead, and if they say no you don’t lose anything. We refinanced all three of our cars with a credit union and got a very low rate on them. Credit Unions are almost always lower interest than banks.

Description : Credit application: personal or household income?

Last Answer : answer:It should be fine. When you are married, you hold property, including debt, jointly. You may want to be careful about that. If you run up debts you can't pay, do you ... doing anything wrong by stating household income since you are married and the law assumes your finances are entangled.

Description : What should I watch out for after staking a student loan through the heart?

Last Answer : They will probably try to milk you of every penny of the future interest they lost. Be sure to consult a lawyer if that happens.

Description : Have you ever checked yourself into the doctors office for chest pain?

Last Answer : answer:I went to the ER twice within a month of each other for chest pains. It felt like a sumo wrestler was sitting on my chest both times. The first time they did a EKG and CAT scan. And what ... . My credit is already shit. edit: And I have insurance now that I pay into.. Thank you ObamaCare.

Description : If you decide to no longer need an aid's service how do you let them go?

Last Answer : You let an aid go by saying thank you for all your help in the past, we never would have gotten to the point where we could be independent without you. You are not the one who gets to decide whether ... , so you let that issue go because it's the sign of a very petty person to worry about it.

Description : Are work-from-home transcription jobs legit?

Last Answer : answer:While some are real, a lot, and I do mean a lot are scams. Your best bet is to find local companies (or local branches of large companies) that have positions opening. Also you can't ... this field if you have no experience because there are way more people who apply than there are spots.

Description : Does anyone on Fluther have the Capital One credit card, and if so, is it any good?

Last Answer : I think you will be very interested in this Q.

Description : Can I apply for my mother's social security death benefit 2 years after her death?

Last Answer : You can apply, but the form could be rejected. It doesnt hurt to try, unless there are legal pitfalls I am unaware of

Description : UK Jellies, are you familiar with Cheryl Finance?

Last Answer : answer:I work in finance in the UK and I have never heard of Cheryl Finance, having looked at their website it would appear that although headquartered in London they don't seem to do any business ... they are not listed. My advice, approach with extreme caution. http://www.fsa.gov.uk/fsaregister

Description : Now that I have been approved for a fair rating credit card, why am I receiving all these pre approved offers?

Last Answer : answer:Pre-approved does not actually mean you are pre-approved. Be sure to read the fine print on all the junk mail you are receiving. Credit card companies are like vultures and want you under thier umbrella for all the money they can extract from you. Do not play their game.

Description : Will a two date late credit card payment effect my credit standing?

Last Answer : Yes, slow pays will affect your credit rating. Were they two in a short period of time? That’s worse than two over several years.

Description : If a person works two jobs can they file seperate income taxes?

Last Answer : answer:Not unless you have two social security numbers. ;-) The payments from the two jobs will be added together. You will have 2 W-2 forms (or 1099 forms) but the amounts will be totaled on your tax form.

Description : How long does it take for the credit card to follow the approval letter?

Last Answer : It it usually several days to a couple of weeks. They should have told you when to expect it. Maybe you could call and ask.

Description : What is your easy filing system for store receipts?

Last Answer : Easy…... the shredder system…. insert, buzz, gone. :-/

Description : Any information on the Credit One credit card?

Last Answer : No. Between the fees and the interest rates, it’s just bad.

Description : What's the difference between lease to own and rent to own?

Last Answer : answer:A lease is a contract to rent a dwelling for a specific length of time, for a specific payment. A rent-to-own is a contract that specifies a certain amount of the monthly payment to be ... down payment on the future purchase of the house, with that money to be applied to the purchase price.

Description : What do you think about getting a secured credit card to increase your bad credit? Is it worth paying for credit?

Last Answer : answer:No. No credit card is going to help your credit report if you have to pay to open the account. Sorry, that's just not the way it works. If you want to increase your good credit, pay ... they are due. If you already have bad debt, make a point of clearing it off your credit report.

Description : Whatever happened to S&H greenstamps?

Last Answer : My mother still has books of them and I am interested in knowing myself. jp

Description : If you have bad credit does that effect getting approved for a store credit card?

Last Answer : Yes.

Description : Does anyone use the American Express debit card?

Last Answer : answer: