About Experts Sitemap - Group 22 - Page 16 2016-07-26

Financial Stocks: stocks noob
Fern, Thank you for your question! Yes, I do have some suggestions on how to begin organizing an investment plan for the future. Rather than just pick a stock or two, I encourage you to think much more widely: an entire investment plan that will evolve...

Financial Stocks: 1922 stock certificate
Douglas, Thank you for your question! Yes, there are several things that you can do to see if an old certificate is worth anything. The first thing is to determine if the company still trades publicly. You can search by company name on http://finance.yahoo.com...

Financial Stocks: The Lionel Corporation stock certificate, stock certificate
stock certificate: Allyson, Thank you for your question! Yes, there are several things that you can do to see if an old certificate is worth anything. The first thing is to determine if the company still trades publicly. You can search by company name on http://finance.yahoo.com...

Financial Stocks: Starting Out
Thanks for the question! The real answer is as much as you can do systematically, and add to it each month. There is a balance, because if you try to save to much then you cannot stick to it, begin to break your plans and budget, and eventually give up. ...

Financial Stocks: jarvis plc shares
Sean, Thank you for your question! Really the only option you have is to contact the company directly. It appears that the company is no longer actively traded, so if the company still exists you must contact them directly. This is really the only option,...

Financial Stocks: hello
Fern, Thank you for your question! I am probably going to offer you here more than you were looking for. But I believe buying a single stock without forming a complete plan for your financial future is a mistake. Owning one stock is risky, its really a...

Financial Stocks: old stock
Stephen, Thank you for your question! Yes, there are several things that you can do to see if an old certificate is worth anything. The first thing is to determine if the company still trades publicly. You can search by company name on http://finance.yahoo.com...

Financial Stocks: inherited stock shares
Financial Stocks: inherited stock shares

Financial Stocks: inherited stock shares
Summer, Thank you for your question! My apologies if you have not received my answer yet. I had provided the below answer, but the system still shows this question as pending, so I think there may have been some sort of problem where my answer did not...

Financial Stocks: Stock certificates from 2002-03, old stock certificate, stock certificate
old stock certificate, stock certificate: Joan, Thank you for your question! Yes, there are several things that you can do to see if an old certificate is worth anything. The first thing is to determine if the company still trades publicly. You can search by company name on http://finance.yahoo.com...

Financial Stocks: managing
Dick, Thank you for the question! Yes, typically different brokers have different policies on selling short particular stocks. Wells Fargo is such a large institution, you may have the same problem with other brokerage or trading firms as well. Shorting...

Financial Stocks: ONVO
John, Thank you for your question! Yes, that stock is a gamble. It could pay off alot, or you could lose alot! My favorite saying in investing in risky stocks is to never invest more than you are willing to lose! So it does not have to all or nothing,...

Financial Stocks: mandatory merger
Thank you for the question! Unfortunately I am not an expert on taxes, regarding how you would declare that transaction. I believe that you would calculate using your $1942 purchase price, but you should check that with a tax professional. Best Regards,...

Financial Stocks: Stock reports
Jim, Thank you for your question! Unfortunately there are no websites that I am aware of that offer free stock reports (other than a free sample to try to sell their service). Stock research is expensive to produce, so unfortunately not typically the...

Financial Stocks: 80 year old Class A and B 100 shares, merrill lynch research, officer names
merrill lynch research, officer names, stock certificates: You need to find a broker dealer in your area, and take this all into them. You need to deposit all of this and let their research find out the results of all this. If Merrill Lynch can not find the answer, and an certain you will never determine what is going...

Financial Stocks: Accounting for stocks issued as a gift, trading stock, dr joseph
trading stock, dr joseph, safe side: There might be stepped up basis if from estate. If received from estate, there may be little or no tax. If not received but as a usual gift, then the entire amount might be taxed. If the person giving the stock declared the gift in their estate or planning...

Financial Stocks: American Mining Co. of Utah, stock certificate, dr joseph
stock certificate, dr joseph, broker dealer: Go for a free service. Take the certificates into any broker dealer in your area. Have them open up an account, and then they will do the research. With splits and mergers, it would take along time to confirm that the certificates are in good order. Dr....

Financial Stocks: AWE Stock, valuengine inc, naive questions
valuengine inc, naive questions, stock swap: Linda, Thank you for your question! Yes, I think that you do need a broker to handle the sale of your AWE. One question would be how did you get the shares? If you purchased through a broker or online service, they will have a record and can simply make...

Financial Stocks: Becoming a Stock Broker, valuengine inc, becoming a stock broker
valuengine inc, becoming a stock broker, professional foundations: Thank you Michael for your question! No, never too old. It may take a year or two to learn the materials and get through a training program, but you absolutely have plenty of time to build a succesfull career as a stock broker. Perhaps the easiest, least...

Financial Stocks: Bid/Ask, american association of individual investors, money flow index
american association of individual investors, money flow index, valuengine inc: Billy, Thank you for your question! Unforutnately there are no free services that I am aware of that offer the information you are looking for. finance.yahoo.com has a great deal of information, perhaps the advance/decline ratio, but will certainly not...

Financial Stocks: Bid/ask spread, valuengine inc, volatile stock
valuengine inc, volatile stock, unlisted securities: Thank you for your question! In your example, that would mean one very volatile stock! This type of terminology usually refers to unlisted securities traded over the counter, so they are not traded often. This can result in such a high level of spread between...

Financial Stocks: Who bears the loss?, valuengine inc, brokerage firm
valuengine inc, brokerage firm, henneman: Thank you for your question! The answer to your question is that someone has to buy the stock for you to sell it. Usually this is not a problem as there are so many investors looking to buy and sell stocks, that you can do so at any time. But if you have...

Financial Stocks: becoming a stock broker, becoming a stock broker, valuengine inc
becoming a stock broker, valuengine inc, barcelona spain: Omar, Thank you for your question! Yes, I think you can certainly become a stock broker if your English is good. Your email is perfectly understandable, if you english is the same then you will not have a problem. Once you move to the USA, your english...

Financial Stocks: becoming a stock broker, degree in finace, becoming a stock broker
degree in finace, becoming a stock broker, types of occupations: Thank you for your questione! The pay for a stock broker can range very dramatically, from perhaps $50,000 on the low end in a more rural area, to many hundreds of thousands for someone with experience in New York. Like almost everything, you would make less...

Financial Stocks: buying a stock at the opening price, buying stocks, trading stocks
buying stocks, trading stocks, money trading: You have to have your broker drop in the ticket. There is no way to warranty the transaction with hit or deliver at a certain time. I do not recommend short term trading ideas. I have never known anyone to make money trading stocks. Buying and holding long...

Financial Stocks: CSX Stock, deceased fathers, chessie system
deceased fathers, chessie system, memory loss: Find a local broker dealer in your area, and take the certificates into the the firm. They will look all this up and for free. They will then be able to give you the facts and check with the company. The best part of this is that this research is all for free....

Financial Stocks: my common stocks be taken private, investor relations department, valuengine inc
investor relations department, valuengine inc, private equity group: Thank you for your question! Typically you will be reimbursed for a pre determined amount by the firm for your stock shares. This can take a few weeks to a few months for you brokerage firm to process, and there may be a form to fill out so you should check...

Financial Stocks: Conversely: No Dividends = No Value, stock shareholders, new investor
stock shareholders, new investor, cap stock: Jason, Thank you for your question! Yes, that is one way to look at it. However, focus on dividends is not the only way to invest, although many investors do feel that this is primary. But even a company that has grown to large cap status and is...

Financial Stocks: Date-of-Death Value of Stock Certificate, valuengine inc, stock certificates
valuengine inc, stock certificates, stock certificate: Jeanne, Thank you for your question! Unfortunately I do not have alot of experience in this. My only suggestion would be to contact the investors relations department for the company. Virtually all companies that are publicly traded will have at least...

Financial Stocks: DJIA Stocks, dow jones averages, djia stocks
dow jones averages, djia stocks, history of the dow jones: Charles Dow, the History of the Dow Jones Averages, Dow Jones Averages Chronology 1884 - 1995 -------------------------------------------------------------------------------- [Chronology of the Dow Jones Averages] [Daily Movement of Averages] [January...

Financial Stocks: definition of term, wacc calculation, frank hartmann
wacc calculation, frank hartmann, stockholders equity: Frank, I can not tell what you are after here. You need to state your solution with outstanding shares and work from there. I think what you are after is this: A calculation of a firm s cost of capital that weights each category of capital proportionately....

Financial Stocks: dividend, york stock exchange, valuengine inc
york stock exchange, valuengine inc, dividend announcement: Randy, Thank you for your question! I m not really sure what is meant by ex-date in relation to dividends. But here is some related information that may answer the question: Dividends are usually paid out quarterly, perhaps the payment schedule...

Financial Stocks: Earnings Per Share (EPS), valuengine inc, stock investors
valuengine inc, stock investors, henneman: Thank you for your question! The only reason an investor should be worried about how EPS is reported is that it relates to how much money the company is actually making after expenses. It is perhaps one of the most important pieces of data to look at when...

Financial Stocks: Equity derivatives &Credit derivatives, richest person in the world, bershire hathaway
richest person in the world, bershire hathaway, black scholes: Bilal, You can find this in a typical college textbook. I would suggest going to the local library, or college, and pulling this information out of the textbook. In short, none of these work. I would not waste your time looking into these magic formulas...

Financial Stocks: How to educate myself at 35, voice over talent, radio job
voice over talent, radio job, radio new york: Liliana, Thank you for the follow up question! Either way will work, but let me outline the differences. Bank of America is a full service bank, so they probably will put into some sort of managed IRA. This means that they will manage your IRA for you,...

Financial Stocks: educational instution name suggestions, finance degree program, henneman
finance degree program, henneman, line education: Wendy, Thank you for your question! Let me start with the online education first. If this is the only way to fit things into your schedule, it could be of benefit. However, like in most industries, I have to admit that any type of online eduction...

Financial Stocks: Finance Schools, top business schools, valuengine inc
top business schools, valuengine inc, rankings mba: Huseyin, Thank you for your question! Below is a link to an article by USNews that lists the top Finance schools in the US: http://grad-schools.usnews.rankingsandreviews.com/usnews/edu/grad/rankings/mba/brief/mbasp02_brief.php For a longer and more...

Financial Stocks: Foreign Diversification, valuengine inc, adrs
valuengine inc, adrs, diversification: Joe, Thank you for your question! Unfortunately all of my knowledge and experience relates to the US markets and exchanges. While I do have some opinions on what you ask, I do not feel I have enough expertise to offer this to you. My apologies that I could...

Financial Stocks: FTSE...single day assesment??, valuengine inc, international boundaries
valuengine inc, international boundaries, mike flanagan: Mike, Thank you for your email! Unfortunately I do not have much advice to offer you. The FTSE is such an internationally oriented series of indicators that I have little experience in this. My expertise lies only with the US markets. I did do some quick...

Financial Stocks: Why does a company care about share price?, boom and bust, zero sum game
Financial Stocks: Why does a company care about share price?, boom and bust, zero sum game, stock holder

Financial Stocks: Date-of-Death Value of Stock Certificate, stock trade, finance yahoo
Financial Stocks: Date-of-Death Value of Stock Certificate, stock trade, finance yahoo, hp

Financial Stocks: Old Growth Fund certificate, van kampen investments, morgan stanley
Financial Stocks: Old Growth Fund certificate, van kampen investments, morgan stanley, invesco

Financial Stocks: Old Stock Certificate, stock papers, daniel parker
Financial Stocks: Old Stock Certificate, stock papers, daniel parker, r jones

Financial Stocks: old stock certificates, federal authorities, underwriter
Financial Stocks: old stock certificates, federal authorities, underwriter, demise

Financial Stocks: rapid american, corporate trust group, mellon bank
Financial Stocks: rapid american, corporate trust group, mellon bank, pittsburgh pa

Financial Stocks: financial accounting help, stock price movement, u s treasury bills
stock price movement, u s treasury bills, short term investments: Ramona, Thank you for your question! Unfortunately there is no single answer to your questions. There are hundreds, if not thousands of ways to value stock. Likewise, dividends certainly affect the valuation of a stock, but this can be determined in different...

Financial Stocks: financial degree specific to teh stock market., world stock market, valuengine inc
world stock market, valuengine inc, finance degrees: Sam Thank you for your question! Yes, a CFA degree would serve you well in North America. I agree that this may be the most productive degree for you to work towards. Other degrees usually fall within the business school, some universities for example...

Financial Stocks: finding money value, money value, naira
money value, naira, ngn: Thank you for your question! As of yesterday, May 19, 2004 the exchange rate was 134.0065 NGN to 1 US dollar. I was able to find this information on www.exchangerate.com I hope this helps! Please do not hesitate to follow up with me if I can be of any additional...

Financial Stocks: should I hold on to delhaize stock, sharpe ratio, forecast return
sharpe ratio, forecast return, return rank: Thank you for your question! Unfortunately I am not personally familiar with DEG, so I cannot offer any real advice regarding the rumors you have heard. However, I do have a related suggestion. To have fifty percent of your profit sharing plan in...

Financial Stocks: Investment firm - which one to choose?, global investment bank, lehman brothers
global investment bank, lehman brothers, time horizon: Soren, Thank you for your question! Each global investment bank has its positives and negatives, and it does depend largely on how much you plan to invest. If the amount is more than five or ten thousand dollars, then I would suggest buying more than...

Financial Stocks: Invisible Billionaires., top billionaires, rockefeller family
top billionaires, rockefeller family, dr joseph: These people no longer show up in public traded stock. The only ones we now here about are the Gates people since we can tell their worth on the stock they own. There are many people that are probably many times richer than Gates that we just do not know about....

Financial Stocks: to increase share price, share price target, rising health care
share price target, rising health care, introductory ideas: Thomas, Thank you for your question! Unfortunately this is a VERY broad topic, but perhaps I can offer just a few introductory ideas. There is a great deal that I cannot address with the space allowed here. There probably hundreds of external factors...

Financial Stocks: indices' points(?), dictionary of finance and investment terms, dow jones average
dictionary of finance and investment terms, dow jones average, valuengine inc: Tommy, Thank you for your question! I found a definition of what you ask in Barron s Dictionary of Finance and Investment Terms , page 452. I will quote this as it does perhaps a better job of explaining this than I would do on my own: ...points refer...

Financial Stocks: Joint tenants on stock, smith jt, betty smith
smith jt, betty smith, legal reason: You could inquire at the broker dealer how to change this over to another format. There are acutally joint tent. and tent. in common. This will change the use of OR to AND, and back. You should have the broker dealer send you the finer points of why you would...

Financial Stocks: Too late for a career change?, top salespeople, charles schwab
top salespeople, charles schwab, bear stearns: Thank you for your question! It is absolutely not too late to make the career change you are interested in. You are actually quite young to go into finance. There are several ways to get into the industry. Perhaps the fastest and simplest way is...

Financial Stocks: list of companies in the s&p 500 idex, side navigation bar, valuengine inc
side navigation bar, valuengine inc, standard and poors: Chris, Thank you for your question! The S&P 500 index of stocks is compiled by Standard and Poors. Their website is www.standardandpoors.com Click on the Index changes link on the left side navigation bar, then click on S&P 500 link. This will bring...

Financial Stocks: lost stock cert, echostar satellite llc, investor relations department
echostar satellite llc, investor relations department, valuengine inc: Thank you for your question! Unfortunately I am not sure if I have enough information to answer your question. If the company you have stock for is EchoStar Satellite LLC (Ticker Symbol DISH), then they still do actively trade. Their website is www.dishnetwork.com,...

Financial Stocks: I'm confused!, cffp edu, certified financial planning
cffp edu, certified financial planning, commissioned sales: Stock broker is a commissioned sales job. These jobs are always there. You might want to obtain a CFP, or certified Financial Planning from the college in denver. You might want to look over their website: http://info6.cffp.edu/ Dr. Joseph de Beaucham...

Financial Stocks: Old Capital Stock, buffalo bisons baseball, e mail address
buffalo bisons baseball, e mail address, old stock certificates: Thank you for your question! Unfortunately I do not have much to add, what you have already done is exactly the course of action to take. Contacting the team directly will be the only real way of finding out if that certificate is worth anything. I would...

Financial Stocks: Old Growth Fund certificate, valuengine inc, google search
valuengine inc, google search, institutional shares: Jeanne, Thank you for your question! Unfortunately I could not find any information on Institutional Shares either. It is a very high probability that the company no longer exists, or at least is no longer publicly traded. There is a very small chance...

Financial Stocks: Old Stock Certificate, investor relations department, valuengine inc
investor relations department, valuengine inc, stocks and bonds: Daniel, Thank you for the follow up! I did a little more digging, and unfortunately still no results. It is almost certain that the company no longer exists and the certificate is not worth anything, but I am the first to admit that we can t say that...

Financial Stocks: Old Stock Certificates, old stock certificates, dealer stock
old stock certificates, dealer stock, stock transfer: At no cost, take these into a local broker dealer. They have the research department run down all of these details, and they do not charge for this. After they determine the correct ownership, and value; you can decide to sell or hold. There could be many...

Financial Stocks: Old Stock?, melinda melinda, filing bankruptcy
melinda melinda, filing bankruptcy, dumb question: Melinda, Yes, it can have value in BK. You should take the certificate into a broker dealer in your area, and open an account. They charge nothing for this. The broker will look this up and calculate all the splits and other issues for you, and for free....

Financial Stocks: Old Stocks, quaker oats, investor relations department
quaker oats, investor relations department, valuengine inc: Thank you for your question! Quaker Oats is now a division of Pepsico I believe. The only course that I am aware of to tell for certain if your certificates hold any value, would be to contact the investor relations department at Pepsi. Most publicly traded...

Financial Stocks: Old stock certificate, presidential life insurance company, life insurance company
presidential life insurance company, life insurance company, edgar sec: Thank you for your question! This is usually a difficult problem. To start, I did some searches on the company name for existing publicly traded companies, and as I expected could find nothing. The closest match was Presidential Life Insurance Company....

Financial Stocks: Old, uncashed bonds, stocks and bonds, chits
stocks and bonds, chits, gold bond: Take these into a local broker dealer. They do not charge and can take them into an account. They will be able to determine the value, if anything. This should be your policy from now going forward. Only keep stocks and bonds in a broker dealer account. They...

Financial Stocks: old stock certificates, old stock certificates, google searches
old stock certificates, google searches, obscure reference: Judie, Thank you for your question! While I have not heard of either company, there are some things we can do. The first thing I did was to search by company name of all publicly traded companies on finance.yahoo.com, no results for either company...

Financial Stocks: old stock certificates, ali cassius clay, old stock certificates
ali cassius clay, old stock certificates, joseph wambaugh: Thank you for the follow up question! Unfortunately I have no experience in how or exactly where to sell such items. I do however have a few suggestions. My first would be Ebay. I would suggest taking a careful look at that website and see if there is a category...

Financial Stocks: Paper Stock Certificate, edward jones representative, cusip number
edward jones representative, cusip number, new york central railroad: Cusip number is the number. You can go on http://www.hoovers.com and look up this company, American Financial Group. You will then find phone number and website for them. You can request the transfer agent name and address for this company. This is usually...

Financial Stocks: Pepsi stock, pepsi cola company, online brokerage firms
pepsi cola company, online brokerage firms, valuengine inc: Admiral, THank you for your question! I believe that yes, you can request a stock certificate no matter how few or how many shares you own. Of course there are costs to trading a stock, and many online brokerage firms will make it difficult to obtain this....

Financial Stocks: Pepsi stock, pepsi cola company, discount broker
pepsi cola company, discount broker, beauchamp: Admiral, Most any broker dealer in your area can buy this for you. Should not cost but the commission and the price of the stock. Yes, you should have no problem obtaing the wall covering, and the frame could cost more than the commission. Use a discount...

Financial Stocks: Pfizer, target prices, valuengine inc
target prices, valuengine inc, term earnings: Brad, Thank you for your question! Yes, the research performed by my company, ValuEngine.com, is currently very favorable for Pfizer. Here are our findings and estimations: Forecasted target prices: 1-Month 26.43 0.99% 3-Month 26.46 1.10% 6-Month...

Financial Stocks: Playing on the stocks, good byes, independent source
good byes, independent source, rise and fall: Your questions require very large answers. I suggest that you go to the public library and check out of the reference section a book called Valueline. It is an independent source of information, and over several thousand pages. It is best to read this in person,...

Financial Stocks: Going Private, preferred stock, share issue
preferred stock, share issue, dr joseph: If the preferred trades, then they will offer and retire this stock. This is what they must do, and treat the class the same as they do the common. With preferred, usually, the dividends must be paid forward on history and before the common. Some preferred...

Financial Stocks: p/e ratio's and weighted ratio's, bse india, exchange updates
bse india, exchange updates, weighted averages: Price is divided by earnings per share: this is the ratio. When you get this data from the Internet, you will be disappointed. I have yet to see one example of an accurate P/E on the data off the Internet. My suggestion is that you do your work on the P/E...

Financial Stocks: p/e ratios, valuengine inc, henneman
valuengine inc, henneman, additional service: Frank, Thank you for your question! I was able to find the current p/e ratio for the DJIA here: http://bigcharts.marketwatch.com/quickchart/quickchart.asp?symb=djia&sid=1643 According to this source, the current p/e ratio for the DJIA is 20.75. ...

Financial Stocks: pepsico stock, google searches, investor relations website
google searches, investor relations website, homework type: Trisha, Thank you for your question! I normally don t believe in answering homework type questions, but I appreciate a student looking for help to get started. Thank you for simply not asking me for your full report (which is what most students do!) ...

Financial Stocks: purchasing stocks, discount brokerage firms, mutual fund selection
discount brokerage firms, mutual fund selection, sam adams beer: Most discount brokerage firms will allow you to buy one share of stock. The commission is still somewhat higher as a percentage. You may wish to invest in a good mutual fund instead, and own a collective of stocks. You can go to the mutual fund section of...

Financial Stocks: question, valuengine inc, google search
valuengine inc, google search, henneman: Thank you for your question! Generally in this sort of case, the thing to do is to contact the investors relations department of the company in question. However, your problem is a bit more than that, to determine if the company even exists anymore due...

Financial Stocks: another question., federal securities laws, valuengine inc
federal securities laws, valuengine inc, public stock: Austin, Thank you for your question! With just this to go on, I believe that the company is private and not offering any shares to the public, then it is a bit different. They are allowed a certain number of investors and can remain a private company,...

Financial Stocks: question on selling stock, valuengine inc, henneman
valuengine inc, henneman, private organization: Andra, Thank you for your question. I had already answered this, but I see it in my list again so perhaps you did not receive my original answer. Here is the information I found out about Krystal. The company was apparently aquired by a private organization...

Financial Stocks: Risk involvd in MCD, line of best fit, correlation coefficient
line of best fit, correlation coefficient, website finance: Audrey, I apologize for the delay in this reply to your question. I have been trying to answer it for several days, but keep getting a server error on the AllExperts website. I hope this eventually gets to you. Here is some information: Q: Is the...

Financial Stocks: rapid american, valuengine inc, google search
valuengine inc, google search, henneman: Pat, Thank you for your question! Unfortunately that is a very big question. There are many ways to try to value a stock, and often the analysis does not agree. Also, there are many types of investors, and a particular stock may be attractive to one...

Financial Stocks: S&P 500 Index, valuengine inc, standard and poors
valuengine inc, standard and poors, henneman: Karyna, Thank you for your question! Indexes are compiled to give investors a general idea of how the overall market is performing. An idex is simply a list of companies. For example, the NASDAQ has 100 companies in it, and is weighted with technology companies....

Financial Stocks: S&P 500 p/e averages, valuengine inc, index ratios
valuengine inc, index ratios, index level: Ben, Thank you for your question! I think I can provide at least a partial solution for your question. On the standard and poors website, they do have this overall P/E ratio statistic for the S&P 500 index, the only problem is that it is not updated daily....

Financial Stocks: Selling Shares, corporate information section, valuengine inc
corporate information section, valuengine inc, continental airlines inc: Cameron, Thank you for your question! The best suggestion I have for you is to contact directly Continental s Investors Relations Department. Most publicly traded companies have an investors relations department, and they can certainly handle the transaction...

Financial Stocks: Selling Stock?, valuengine inc, investor relations department
valuengine inc, investor relations department, sara sara: Sara, Thank you for your question! If you would like paperwork that shows your ownership of the shares of stock in Nationwide Financial Services, you would need to contact the company directly. Most publicly traded companies have an Investor Relations...

Financial Stocks: Selling stocks, valuengine inc, selling stocks
valuengine inc, selling stocks, henneman: Frankie, Thank you for your question! Yes. When you submit the order, the online trader will execute, and then you will have a cash amount in your trading account. You can either leave it as cash in the trading account, withdraw from the trading account...

Financial Stocks: Shares in KKD and cannot find papework, krispy kreme donuts, investor relations section
krispy kreme donuts, investor relations section, kkd: Find a broker dealer in your area, since they have all the free tools to trace this back for you. You should use a local broker dealer to have them secure your certificates again. They do not charge for this service. On your own? Well, you could look...

Financial Stocks: Shares, Stocks, valuengine inc, dictionary of financial terms
valuengine inc, dictionary of financial terms, research stocks: Thank you for your question Chris! Yes, my number one recommendation is to read an introductory book about investing. My favorite is Investing for Dummies , available on www.Amazon.com This will give you the basic understanding you need to decide what type...

Financial Stocks: Shop Television Network, Inc, cusip number, valuengine inc
cusip number, valuengine inc, henneman: Sheryl, Thank you for your question! Unfortunately I can find no data for the cusip number 825081102, or the company name Shop Television Network Inc. I think that it is most likely that the company no longer exists and your stock is unfortunately not...

Financial Stocks: Stock Broker, barclays bank plc, valuengine inc
barclays bank plc, valuengine inc, charles schwab: Syed, Thank you for your question! I think that the best way for you to proceed is to contact one of the major brokerage firms and see about entering their trainging programs. They usually have a job offer waiting for you once you complete the training....

Financial Stocks: Stock Brokers, valuengine inc, quality stocks
valuengine inc, quality stocks, investing for dummies: John, Thank you for your question! Your math classes will certainly be the most important for you to concentrate on for a future as a stock broker. Some high schools have financial clubs, if your does not you may want to consider starting one. Such a...

Financial Stocks: Stock market Question., valuengine inc, price declines
valuengine inc, price declines, gain thanks: Thank you for your question! A stock splits generally as it grows and the share price becomes more and more. It is a readjustment of the share price to bring the price back down. Here is an example: If you one one share at one dollar, and the stock has a...

Financial Stocks: Stock Searches, wfnn, stock section
wfnn, stock section, local stocks: On the search button, you can type in the city. Unfortunately, it is very limited by city. The best way to to find the local paper of your area. In the stock section, there is usually a local listing of stocks. You can then go to http://www.hoovers.com and...

Financial Stocks: Stock Tips, local public library, stock tips
local public library, stock tips, dr joseph: You could look over the free site of http://wfnn.info or you could go to the local public library. Stocks are not for everyone, so I recommend that you read up on this topic. You can usually find the Valueline book and Morningstar. These would be free and...

Financial Stocks: Stock values, market cap companies, valuengine inc
market cap companies, valuengine inc, side navigation bar: Joseph, That is actually a very complicated question, and can have a different answer depending upon the index that you are looking at. I do not have any experience with the FTSE 100, but can offer some information on the S&P500 as an example. The main...

Financial Stocks: Stocks, valueline, beauchamp
valueline, beauchamp, dr joseph: Try using the library --look up Valueline and Morningstar in the local library. This would be good to learn and pick up stocks and mutual funds. This would be free. You might also look over the http://wfnn.info and http://freestock1.com sites, since these...

Financial Stocks: Stocks, buying stocks, broker system
buying stocks, broker system, valueline: I rarely recommend stocks for anyone. I usually suggest mutual funds, and reading over the Morningstar book in the local library. Valueline is another good free source. I only recommend people get involved in stocks that can buy 10 positions or more with at...

Financial Stocks: Stocks/Shares, human resources department, investor relations department
human resources department, investor relations department, valuengine inc: Pete, That is a good question, I am honestly not sure of the details on this. I believe what will happen is that your shares will be automatically sold at the buy back price when the company actually does go private. I would suggest checking with...

Financial Stocks: Stocks, assets and liabilities, valuengine inc
assets and liabilities, valuengine inc, current liabilities: Thank you Mike for your question! Actually, there is not a clear answer. If assets and liabilities are the same or weighted to liabilities, this is clearly a red flag. But there are other issues to consider. Has the company been moving towards increasing...

Financial Stocks: Study stock movements, investors business daily ibd, investors business daily
investors business daily ibd, investors business daily, valuengine inc: Anthony, Thank you for your question! What you are referring to is commonly called Technical Analysis . Yes, it is true that historical price is a central data point in this approach to investing. Some other data points are used are various moving averages...

Financial Stocks: Sysco stock, stock market index, interest rate environment
stock market index, interest rate environment, company earnings: Thank you for your question! I do realize that Peter Lynch suggests buying what you know, but just about every other financial research expert or industry participant would disagree. It is true that a stock should be well researched, and you should know...

Financial Stocks: s&p500, beauchamp, dr joseph
beauchamp, dr joseph, p500: http://research.businessweek.com/scoreboard.asp This is a good start for your information. With 500 stocks in the S&P, with not knowing what you mean by performance and lower stocks, and knowing that history does not predict the future, you might want to...

Financial Stocks: selling stock, valuengine inc, investing for dummies
valuengine inc, investing for dummies, sector level: Thank you for your question! Unfortunately there is no clear answer to your question. There really is no definitive best time of the year to buy or sell stocks. Every stock is different, and each industry or sector can behave differently. Stocks should be...

Financial Stocks: selling stocks, life insurance policy, selling stocks
life insurance policy, selling stocks, stock certificate: Eddie, Stock certificate? Maybe a policy certificate? Perhaps they sent you a redemption coupon or something. You should be able to go to an office of the company and redeem the cash. They will probably wish a copy of your birth certificate and passport....

Financial Stocks: splits, dictionary of finance and investment terms, valuengine inc
dictionary of finance and investment terms, valuengine inc, stock shareholders: Kurt, Thank you for your question! A stock split is typically decided by the public company itself, as represented by its board of directors. Barron s Dictionary of Finance and Investment Terms is a great reference book to have handy, and does probably...

Financial Stocks: stock broker, series 7 license, valuengine inc
series 7 license, valuengine inc, human resources department: James, Thank you for your question! The answer to your question is really based on how much experience you have. Typically, to get a position at a good firm, you will need a college degree and various licenses. Here is a link that provides some information...

Financial Stocks: stock broker, university of santo tomas, valuengine inc
university of santo tomas, valuengine inc, brokerage firm: John, Thank you for your question! Unfortunately my company is not currently hiring. However, if you forward a resume, we would be happy to keep it on file in the event something comes available in the future. You could fax this to: 609 925 9051, or mail...

Financial Stocks: How to be a stock broker, how to be a stock broker, becoming a stock broker
how to be a stock broker, becoming a stock broker, rewarding occupation: Julian, Thank you for the follow up! Some other careers in finance would include financial advisor or stock analyst. A financial advisor works with their clients closely to suggest investments specifically tailored to their needs. If you like working...

Financial Stocks: stock certificates, stock certificates, referenced account
stock certificates, referenced account, enstar: Lorri, Thank you for your question! I am not a lawyer, but that legal language certainly could be interpreted in a variety of ways. I do have two suggestions for you: 1. It could be quite simple for you to research the validity of these stock certificates...

Financial Stocks: stock exchange, toronto stock exchange, london stock exchange
toronto stock exchange, london stock exchange, valuengine inc: Steve, Thank you for your question! Yes, I believe that it is actually always good to have foreign investments, it increases diversity. One of the simplest ways to do this in regards to stocks, is to seek out ADR s. These are foreign companies that...

Financial Stocks: stock exchange, dictionary of finance and investment terms, american stock exchanges
dictionary of finance and investment terms, american stock exchanges, valuengine inc: Thank you for your question! A stock exchange is essentially a central location where securities or futures trading takes place. The New York and American Stock Exchanges are the largest centralized place to trade stocks in the US, for example. I took...

Financial Stocks: stock holdings as a trustee, ge stock, economic size
ge stock, economic size, stock holdings: The stock certificate would have the proper title on the front. If he were the trustee of a family trust, then you would mail this into GE. The trust would own the shares of stock. This may not be a probate matter since the trust would override this matter....

Financial Stocks: stock symbols, tobacco store, stock symbols
tobacco store, stock symbols, lighters: Suzanne, The only way I know how to do this would be to go to http://www.hoovers.com and type in the words. This might not work well. I think you might want to go by a tobacco store in your area, and look at the companies that make lighters. Write them...

Financial Stocks: stocks, online brokerage firm, valuengine inc
online brokerage firm, valuengine inc, investor relations department: Thank you for the follow up! Unfortunately as far as I am aware of, you must know the company that the stock is from. If you know that, you can contact the investor relations department of the company, and learn how many shares and how to transfer ownership...

Financial Stocks: US stocks, valuengine inc, us stock markets
valuengine inc, us stock markets, wealthiest country: Mel, Thank you for your question! Unfortunately I am not sure how much help I can be. My experience and knowledge lie with the US markets only, I have little experience with any international markets. Because of this, I hesitate to offer any comparisons...

Financial Stocks: Titling of stock, valuengine inc, investment problem
valuengine inc, investment problem, reconcilation: Darrin, Thank you for your question! This is defintely something that you should consult an attorney on, as you are right that the implications of something like a forgery could be severe. It sounds like a very unfortunate situation. It is likely that...

Financial Stocks: UNITED STATES ELECTRIC POWER CORPORATION, usa company, dr joseph
usa company, dr joseph, broker dealer: I can not seem to find any information on this company myself. If you have certificates, or more information, you might want to call a local broker dealer. They have resources to look up the history on companies. This they do for free. I was not able to access...

Financial Stocks: Value of stocks, valuengine inc, henneman
valuengine inc, henneman, specific company: Thank you for your question! That is a broad question, but in essence cash flow alone means little more than positive (profitable) and negative (not profitable) and by how much. Changes in cash flow are perhaps at least as significant in attempting to determine...

Financial Stocks: The value of stock, quaker state oil, quaker state corporation
quaker state oil, quaker state corporation, royal dutch shell group: Gail, This is perhaps the most interesting question I have received through All Experts! Here is some history that I was able to find directly on Quaker State s website: History: •Quaker State Corporation was created in 1931 by a consolidation of...

Financing -- Loans: ARM readjustments, interest rate fluctuations, fed lowers interest rates
interest rate fluctuations, fed lowers interest rates, initial rate: Generally, it should. As rates fall, so too should your ARM. However, read your ARM contract, it will all depend on what the Index is that will be used to determine the interest rate fluctuations. Is it CPI, or fed funds, prime, or a basket of other...

Financing -- Loans: Bar/Tavern Financing, metro boston area, lucrative business venture
metro boston area, lucrative business venture, debt and equity financing: Unfortunately this is trial and error as banks and finance companies change their focus and aggressiveness from time to time. Try finance companies such as GE Capital and CIT as well as local banks. Usually the lending officers will know which banks or other...

Financing -- Loans: Business Loan Vs, Business Credit Card, business credit card, equipment leasing
business credit card, equipment leasing, finance programs: Here is what I would think about... Business needs cash, it s its life blood, so to speak. You as a business person will require access to cash to fuel its growth until the business becomes cash flow positive or generates more cash than its consumes....

Financing -- Loans: Credit Rating, paying on time, establishing credit
paying on time, establishing credit, credit rating: Possibly... Get a credit report and see what accounts you have open. If you have closed your credit cards, open some and pay them off on time. You build credit by establishing credit and paying on time. If you have open lines of credit that are unused...

Financing -- Loans: Disability & Canada Student Loans, canada study grants, canada student loans
canada study grants, canada student loans, canada student loan: Here is a webiste with phone numbers to call: http://www.canlearn.ca/en/Multimedia/pdf/infoguide_e.pdf And another: http://www.hrsdc.gc.ca/en/hip/odi/documents/Definitions/Definitions008.shtml And lastly: Q4 . How do I apply for a Canada Study...

Financing -- Loans: disable with outstanding student loan, disability benefits, doctor of medicine
disability benefits, doctor of medicine, conditional discharge: Disability Your student loan may be discharged (forgiven) if you become totally and permanently disabled. If a physician (doctor of medicine or osteopathy) certified that you are totally and permanently disabled and you meet other requirements during a...

Financing -- Loans: forecast, raw material costs, worst case scenario
raw material costs, worst case scenario, best case scenario: Sure. If you are an ongoing business and had a full year of operations in 2007, it should be relatively easy. Start with your detailed profit and loss statement and go through every expense and revenue items. Start with revenues. Here is the most...

Financing -- Loans: home equity line of credit, home equity line, equity line of credit
home equity line, equity line of credit, home equity loan: Dear Vicky, The first thing you need to do is contact Countrywide and find out your new credit limit. Hopefully it s enough to cover your tax bill. Unfortunately, Countrywide has a clause in the loan paper s that stipulates that they can change the terms...

Financing -- Loans: Loan Default, default judgement, home equity line
default judgement, home equity line, divorce proceedings: Does your attorney know our financial situation and that you cannot service the debt from the equity line? Insist that he not wait and try to fight this action now! If he will not, find out why... Is there NO chance to get your guarantee removed? ...

Financing -- Loans: loans, apr rate, rate of interest
apr rate, rate of interest, good question: Good question and many in the industry would like to know the answer as to why its still being done! The only thing I can tell you is this; someone in Washington hadn t a clue about the industry made a decision on something they didn t have a clue about. Gotta...

Financing -- Loans: Manegerial Accounting, amerifirst mortgage, financial accounting
amerifirst mortgage, financial accounting, mea: I m not sure what you are asking, or the kind of financial reports you want to know about. Can you be more detailed in the type of reports you are looking for, or what you need these reports for? Thanks, Bobbi Buehl AmeriFirst Mortgage Bbuehl@amerifirstlend.co...

Financing -- Loans: pitfalls with buying a new car, good luck good luck, low rate loan
good luck good luck, low rate loan, buying a new car: Never lease a car. Negotiate for a car as though you are paying cash. Then, go to a bank and borrow the money, then pay for the car. Maybe, and only if the MANUFACTURER is offering a low rate loan as an incentive, is it OK to use a manufacturer s loan program,...

Financing -- Loans: Start up financing., card promotions, leasing rent
card promotions, leasing rent, time james: OK, some manufacturers offer equipment leasing to assist their customers in acquiring equipment. See if the manu of your equipment offers leasing, rent-to-own or financing programs. Next, try a couple local banks and credit unions, tell them your story...

Financing -- Loans: Treasure report., fnce, report thanks
fnce, report thanks, financial management: There is an abundance of helpful information available on the web. One site I found has a great Basic Guide to Non-Profit Financial Management. Their web address is: http://www.managementhelp.org/finance/np_fnce/np_fnce.htm They have almost anything...

Financing -- Loans: Add-on Interest APR, annual percentage rate, apr loans
annual percentage rate, apr loans, calculating interest: Annual Percentage Rate (APR) is a way to compare the costs of a loan. Although it’s not perfect, it gives you a nice standard for comparing the percentage costs on different loans. This page covers the basics of APR, and how you can calculate it. Why Use...

Financing -- Loans: Amostization- How to Pay off faster, 30 year fixed rate, smart move
30 year fixed rate, smart move, 28 years: Hi, In today s environment, you are smarter to pay toward your mortgage, since it is your biggest and most reliable investment. When things get back to normal with the economy , then I would suggest switching back to more traditional investing practices....

Financing -- Loans: BoA business loan, small business loan, business checking account
small business loan, business checking account, loan question: John, So sorry to hear about your situation. A lot of good people have gotten caught up in this crisis. I hope that you are successful in your short sale and can take some comfort in knowing that you are not alone. Best regards to you and your...

Financing -- Loans: Business credit with bond guarantee, escrow account, company states
escrow account, company states, time jeff: Jeff, I apologize for the delay in getting back to you. My suggestion to you is to seek a legal opinion in regard to the escrow account. You will need to make sure the escrow account is with a qualified interemediary who is also bonded to cover the escrow...

Financing -- Loans: bank loan, Cosignor, Loan Guarantee
Cosignor, Loan Guarantee: I do not believe the bank has any obligation to the guarantor to notify them until they are attempting to collect from the guarantor. Bank is truly not obligated to notify the borrower that payments are due either. Most Note and Loan Agreements state that...

Financing -- Loans: CONTRUCTION LOAN QUESTION, amerifirst mortgage, loan question
amerifirst mortgage, loan question, lien waiver: Hi, The answer is yes, the General Contractor is responsible for the completion of the job, no his Sub-Contractor s. It is up to the General Contractor to pay anyone he hire s to do the work, since in essences, he is the Boss. Hope that helps answer...

Financing -- Loans: Co-signing Student Loan, heart to heart talk, loan question
heart to heart talk, loan question, decent money: Wow, sounds like a great kid, you sound like a terrrific mother, and your situation seems to suggest that an investment in her is absolutely warranted! All financial recommendations are situational... I wanted to see if you and your saughter had thought...

Financing -- Loans: car loan payments and statement, car loan payments, better business bureau
car loan payments, better business bureau, consumer protection agency: You need to go into the dealer and demand an accounting of your payments, your original balance, your interest rate, your balance due. You may threaten to go to the better business bureau and the consumer protection agency if they do not comply. ALWAYS...

Financing -- Loans: Add-on Interest APR, annual percentage rate, excel formula
Financing -- Loans: Add-on Interest APR, annual percentage rate, excel formula, periodic rate

Financing -- Loans: car loan payments and statement, consumer response center, ftc consumer
Financing -- Loans: car loan payments and statement, consumer response center, ftc consumer, nw washington dc

Financing -- Loans: Loan, getting a loan after bankruptcy, loan question
getting a loan after bankruptcy, loan question, getting a loan: Liz, I would think that you d be able to co-sign for your Daughter, even with the bankruptcy 2 years out. As I said, it is a Government loan and the Government typically lends when you are 2 years out of bankruptcy. Again, call them before you have them...

Financing -- Loans: large business loan, silver bullion, cigar shop
silver bullion, cigar shop, cigar bar: Look, a cigar bar could be successful. So go for it... I give it a 15% chance of success. But why chance it? If you are planning on going to school, forget about a business (at least the cigar business, it is absolutely not an absentee business)...

Financing -- Loans: The bailout package, bailout package, purchasing insurance
bailout package, purchasing insurance, retirement funds: Hi, Yes it would have been smarter if the Government had given the bailout money to the home buyer s. But, then companies that are receiving the bailout monies would have went belly up. The companies have a share in your retirement funds, insurance and...

Financing -- Loans: breaking contract, pay day loan, consumer protection agency
pay day loan, consumer protection agency, loan shark: Pay day loan companies in my opinion are the closest thing you can get to a loan shark. Don t do business with these people!!!! You either gave them authority to write checks or you gave them a pre-dated check, either way, they had a valid check and...

Financing -- Loans: Consolidating Private Student Loans, private student loans, consolidating private student loans
private student loans, consolidating private student loans, perkins loans: Wow, Lynn. It comes down to a guess on the direction of interest rates. I personally believe that they will go higher. Therefore, what I am doing is trying to lockin today s rates on the borrowing side and be short term on interests rates on the lending...

Financing -- Loans: car loan, real estate values, short term investments
real estate values, short term investments, acknowledgement letter: Have you considered looking to refinance the bank which currently holds the car loan? This may be difficult with your recent bankruptcy but may be an option. To me this would be your best option is to find a local bank where you do business to refinance...

Financing -- Loans: Harrassing telephone calls, landsafe, arbitrary limits
Financing -- Loans: Harrassing telephone calls, landsafe, arbitrary limits, homeowners protection act

Financing -- Loans: Purchasing a new home in business name, income tax purposes, income tax return
Financing -- Loans: Purchasing a new home in business name, income tax purposes, income tax return, sole proprietorship

Financing -- Loans: financial institution, consumer advocacy groups, overnight mail
consumer advocacy groups, overnight mail, service complaint: Start calling local Civil Liberty Union people, consumer advocacy groups, consumer protection agencies and maybe even a few local attorneys to get some suggestions and recommendations for attorneys that may take your case on a pro bono basis. Sorry, I can...

Financing -- Loans: PMI Deletion, loan paperwork, department of finance
loan paperwork, department of finance, late date: Hello again, Sad to say, but Countrywide can do this in spite of a previous agreement your had with them. The premises behind this is; property values have gone down, so your home may no be what it was worth when you interred into this agreement 2 years...

Financing -- Loans: loan approval or disapproval!, mortgage broker company, car title loan
mortgage broker company, car title loan, better business bureau: Check your date of application and compare it to the Good Faith Estimate. The Good Faith Estimate must be provided to you at the time of application or within three business days or their in violation of RESPA. My suggestion to you would be to contact the...

Financing -- Loans: loan approval or disapproval!, mortgage broker company, car title loan
mortgage broker company, car title loan, broker office: Hakan, I m afraid this beyond my expertise. You are doing the best thing you can do by handing this over to your Lawyer! The only logical thing that comes to mind is tthis, contact your State Attorney General s office and lodge a complaint. Which I would...

Financing -- Loans: mortgage company harassing phone calls when not late, mortgage company, branch of government
mortgage company, branch of government, nothing works: Hi, Ask for their name and employee number and then a Manager. If that doesn t work, lodge a complaint with your local branch of Government for harassment. Also, let this company know that you are turning them in for harassment! You might think about...

Financing -- Loans: Pay day loans, consumer protection agency, pay day loan
consumer protection agency, pay day loan, day loans: Debbie, Usuary used to be considered anything above 20 to 30%. However, the pay day loan crooks somehow got that law changed to allow them to prey off the poor and undocumented. For your particular state laws, you will have to call your consumer...

Financing -- Loans: Purchasing a new home in business name, Land Loans, Farm Loans
Land Loans, Farm Loans, Business Loans: Nikki, A lot of your decision may depend upon what type of entity you have established for your business whether it is a Sole Proprietorship, LLC, S Corp., or C Corp. The only way that I can personally think of that buying real estate in the name of the company...

Financing -- Loans: Purchasing a new home in business name, software consulting company, midtown atlanta area
software consulting company, midtown atlanta area, purchasing a new home: Hi Nikki, You will need to contact a Broker or Lender in your area and they will be able to guide you through the process. Just know this; your interest rate will be higher as this will be considered an investment property, since you already have a primary...

Financing -- Loans: Social club, pierre coupet, tongue in cheek
pierre coupet, tongue in cheek, time brad: Social Networks: Virtual Organize It, Stupid! announcement posted 11/25/2008, 12:00 a.m. by Pierre Coupet Social Networks: Virtual Organize It, Stupid! by Pierre Coupet No doubt you ve heard of the tongue-in-cheek expressions, Keep it simple,...

Financing -- Loans: TITLE/ LEIN RELEASE, leinholder, cube van
leinholder, cube van, letter stating that: Hi, If you have a copy of your credit report, then the number is on there. All of your open and closed accounts are still listed on the Report. With that being said, call the number listed and ask them for a copy of the payoff. If you don t have a copy...

Financing -- Loans: Time Sharing, claim deed, maintenance fee
claim deed, maintenance fee, annual maintenance: Joe, Why are you not able to sale it? I would assume from what you have indicated you have tried multiple avenues trying to liquidate the property and have been unsuccessful in doing so. Have you thought of gifting the time share to another individual who...

Financing -- Loans: Applying for an mortgage loan, amerifirst mortgage, fha loan
amerifirst mortgage, fha loan, seller concession: Hello, The first question you ll have to decide is this; how much are you going to pay for a house. The reason this is so important is, there are no more 100% loans out there. So, you have to choices, one is the FHA Government sponsored loan which requires...

Financing -- Loans: Auto Financing, kia rio, unsecured credit card
kia rio, unsecured credit card, credit card debt: Just about any bank should charge a lower rate than that and I would bet that the only reason they charged that rate is because they could. I would take it to a large bank and not a dealership. Wachovia, BB&T, etc and talk with the branch manager there. They...

Financing -- Loans: Car loan, car loan, usury
car loan, usury, buy here pay here: From the info you gave me, the interest rate calculates to be 31.85%!!! Was this a buy here, pay here dealer, like a JD byrider? If so, the interest rate appears usurious! But worse, even at 31% interest, the payoff after 28 months should be $5288.00!!...

Financing -- Loans: MTN purchasing, borrower benefit, negative experiences
borrower benefit, negative experiences, ytw: This is a surprisingly frequent question that I receive. In my experience, I have never, let me repeat, NEVER, seen a borrower benefit from a loan from these people. Lots of negative experiences. Again, if something seems too good to be true, it usually...

Financing -- Loans: APR FOR SECONDARY CAR LOANS, car title loan, chartered organizations
car title loan, chartered organizations, national banks: See this PDF at: http://www.consumerfed.org/pdfs/Car_Title_Loan_Report_111705.pdf Also, according to: http://www.lectlaw.com/files/ban02.htm Many state s laws provide that you cannot lend money at an interest rate in excess of a certain statutory...

Financing -- Loans: Getting approved for Auto Loan, debt settlement program, debt to income ratio
debt settlement program, debt to income ratio, loan question: Burt, Yes, you can get a decent rate, depending on what this is. At a credit union, you may be able to get a loan from 6 to 8. At a bank, maybe 7 to 10. However, my advice still stands. If you were my son I would try and encourage you NOT to...

Financing -- Loans: auto, finance company, car company
finance company, car company: Please give me more details on your situation. What were the amounts paid to each? What was borrowed from each? What kind of poor service? What did the old finance company tell you, do you have anything in writing? How much is the balance? ...

Financing -- Loans: Construction Loan, construction loan, loan documents
construction loan, loan documents, good luck: Hello Kerry, You will have to check with your lender to verify that you can cancel your loan. In most cases, once you sign a purchase or construction loan, you are locked in and have no recision period. Sorry, but if you didn t agree with the terms, you...

Financing -- Loans: Financing a business, financing a business, friends family
financing a business, friends family, lenders: You can borrow from your friends, family, bank, etc. Hopefully you have some assets in the business that are free and clear of any liens. You can use them as collateral to give your lenders some comfort, in case the business fails, then the assets...

Financing -- Loans: non-recourse debt, non recourse debt, collateralization
non recourse debt, collateralization, google: Non-recourse debt is difficult to obtain, except for very specific types of projects. It requires an over-collateralization of the assets to be loaned against, as there is no recourse or provision to sue for deficiency, if any, upon default of the loan....

Financing -- Loans: shareholders, shareholders, stockholders
shareholders, stockholders, shareholder: Sounds like confusion to me... Do the stockholders agree that more money is needed? If so, either borrow money or take additional shareholders. Only other option is to have a caial call and make every shareholder add additional dollars or get diluted...

Financing -- Loans: The Untruth in Lending Act, pay day loan, consumer federation of america
pay day loan, consumer federation of america, bob blair: Bob, Yes I did round to two weeks out of a 52 week year. I thought this might have been precise enough to give you a sense for the method I preferred. However, using the exact days, I show 3,723.66124475%. About me, commercial and consumer finance...

Financing -- Loans: Business credit, exemplary business, how to establish credit
exemplary business, how to establish credit, personal credit: Banks are not stupid, wait a second, yes, they are stupid! Example, sub prime. However, they are not SO stupid as to think that a person can have poor personal credit, but exemplary business credit... It is, alas, another scam. Someone trying to...

Financing -- Loans: Business Financing, family entertainment center, opening a new restaurant
family entertainment center, opening a new restaurant, pennys: I would wait and see what happens in the economy. This is not the environment in which I would counsel someone to open a new restaurant business. Get a job with another firm, wait out this period and use this time to plan for opening a new restaurant...

Financing -- Loans: I co-signed., fha loan, loan history
fha loan, loan history, correspondences: Miranda, Truth be told, there is nothing you can do to get out of the loan you cosigned on, except call the bank the has the loan and asked to be copied at correspondences that has to do with this loan. You never said what kind of loan you cosigned on,...

Financing -- Loans: FHA Mortgage, fha mortgage, principal payments
fha mortgage, principal payments, interest rate: First, only deal with a bank, NO BROKERS!!! Secondly, make sure you read and understand ALL the details first. Thirdly, give them NO MONEY up front. Fourthly, only do this if they give you a commitment in writing that agrees with everything you have...

Financing -- Loans: finance contract, age of adulthood, finance contract
age of adulthood, finance contract, code of alabama: What is the age of adulthood or majority in Alabama? Or in other words, how old does a person have to be to get credit or sign a contract without a co-signer? 19 years of age for unmarried persons. (Code of Alabama §26-1-1) or 18 years of age for married...

Financing -- Loans: Government EE bonds, treasurydirect gov, bureau of the public debt
treasurydirect gov, bureau of the public debt, ee bonds: To get your bond replaced, complete Form PDF 1048 (download it by clicking on the link). On this form, provide the approximate issue date along with the complete names, addresses, social security number that appeared on the bond, and the bond serial number....

Financing -- Loans: Mortgage Payments, spam guard, year mortgage
spam guard, year mortgage, mortgage payments: Kathleen, You can also knock off how long it takes to pay your home off by making additional payments toward your principal each month. Keep that one in mind, since 1 extra payment a year (total) decreases your mortgage about 2 years over the life of the...

Financing -- Loans: medical deferment of student loans, perkins loans, dept of treasury
perkins loans, dept of treasury, consolidated loans: have a disability. Can my student loan be forgiven? It depends. The Department of Education has very high standards for what is considered a disability. Even if you qualify for SSI or SSD, you are not automatically eligible to have your loans discharged....

Financing -- Loans: motorcycle loan, motorcycle loan, late payments
motorcycle loan, late payments, 19 years: Do yourself a favor, pay off all or most of your credit cards, before even thinking about a motorcycle. To have 4 credit cards maxed out at 19 years of age is irresponsible. You are only going to mortgage your future and put your finances in a hole...

Financing -- Loans: Outstanding student loan, student loan forgiveness, bankruptcy law changes
student loan forgiveness, bankruptcy law changes, student loan deferment: Student Loan Bankruptcy Options Student Loans and Bankruptcy filings used to be connected by a relatively simple process. Of course, nothing is simple when it comes to bankruptcy, but the recent rise of bankruptcy filings has lead to some pretty significant...

Financing -- Loans: obtaining financing for small business start up with less than perfect creedit, due diligence, vehicle loan
due diligence, vehicle loan, subs: Your decision should rest on the amount and type of due diligence that you do in researching this project. If all you have done is the above, that is far from enough. Your town is small, perhaps TOO small for such a business. That may be why there is...

Financing -- Loans: Payday Loans, better business bureau, consumer advocate
better business bureau, consumer advocate, payday loans: How the Court Helps You Get Out of a Payday Loan Many people seem to be drowning and trapped by payday loans to the point that they can t pay the rent, or even buy groceries! Many people have more than one payday loan out. How do these situations end? You...

Financing -- Loans: payday loan, pay day loan, debt collection activities
pay day loan, debt collection activities, deceptive acts: What you describe violates both state and federal law: I have listed both the PA state s debt collection info (immediately below) and the FTC s info (following). Debt Collection The Fair Credit Extension Uniformity Act regulates the debt collection...

Financing -- Loans: refinance, being a landlord, double digits
being a landlord, double digits, value of my property: Brett, I can understand your thoughts on being a Landlord in today s market, so I sympathize with you there! You are right, you do have a dilemma. Here s the story; the Feds lowered the interest rate, BUT the banks aren t passing on the cut to the home...

Financing -- Loans: A SITUATION TO RECOVER FROM, daughter rebecca, credit card debt
daughter rebecca, credit card debt, bankruptcy protection: Rick, OK, this helps. First I commend your daughter on accepting responsibility for her debt. It is a great reflection not only on her but also on how she was rained by her parents. Secondly, it sounds like she and her husband have a way out ...

Financing -- Loans: TAX RETURN, bank fraud, finance co
bank fraud, finance co, federal offense: They don t, in the sense that you mean. They simply like to see if the returns that you filed reflect the same info that you gave the finance company when you applied for the loan. Most people don t or won t falsify a dummy tax return simply to get their...

Financing -- Loans: Theft of Property Real and Personal by lawyers, convincing proof, dept of finance
convincing proof, dept of finance, criminal acts: Hello, I guess it would depend how accurate your proof is, that there was a theft involved. If you have solid and convincing proof, then my recommendation would be to contact the immediate family of this atrocity first, and then advise them to contact...

Financing -- Loans: The Bank Says I still Owe Money, whever, security interest
whever, security interest, deed of trust: Hello, Yes, you do need to pay it off!! If you don t pay it off now, someday when you need to refinance or purchase another home, the old mortgage will show as a foreclosure or short sale on your credit report, and those are hard to get removed and...

Financing -- Loans: Business Grants, persons of interest, business grants
persons of interest, business grants, 3 friends: 1. Pray 2. Relatives 3. Friends 4. Potential investors 5. Potential customers 6. Other persons of interest 7. Consider offering prepaid discounts for services purchased before you open the doors. 8. Consider bartering your services...

Financing -- Loans: Co-signing, trials and tribulations, costly errors
trials and tribulations, costly errors, financial obligations: This is something my son would do, just that perfect combination of naivete and good heartedness... You are thinking about this correctly. Have the individual surrender the motorcycle to you immediately. Give him a grace period to get the payments...

Financing -- Loans: co-signing a mortgage with my sister, amerifirst mortgage, income mortgage
amerifirst mortgage, income mortgage, mortgage payments: Hello, Is the reason you aren t buying the house yourself due to the fact you have another home? If so, all you have to worry about is the debt to income issue and credit scores. If your income, mortgage payments and other credit obligation s are ok, you...

Financing -- Loans: company financing, production economy, time gap
production economy, time gap, money banks: test book answer: http://vig.pearsoned.co.uk:8081/catalog/uploads/FMF_C06.pdf CREDIT Credit is a transaction between two parties in which one, acting as creditor or lender, supplies the other, the debtor or borrower, with money, goods, services,...

Financing -- Loans: Financing, risk investments, lown
risk investments, lown, credit unions: The lowest, of course, is your own cash. Short of that, some people borrow against their CD s for maybe a point or two more than they are earning on their CD s. This may be of interest so you stay liquid (CD s - that can be redeemed if you run short...

Financing -- Loans: Home Equity, financing a home, amerifirst mortgage, local bank
amerifirst mortgage, local bank, buehl: Hi Andrew, To take an equity loan out on your present home, contact a local bank and see what you qualify for first. Then contact a Broker to see how much you qualify for on a new home. Yes, you will have to pay interest on the equity loan, but you...

Financing -- Loans: Home Equity/ Line of Credit, home equity line, equity line of credit
home equity line, equity line of credit, savings and loans: Typically, at least now, banks will not loan you 100% of the value of your property. Simply go to your bank and explain what you want to do. They will tell you what they will do or not. Then shop other banks, savings and loans, and credit unions to...

Financing -- Loans: Start up Capital, social security disability, decent plan
social security disability, decent plan, wealthy friends: Get your customers to invest in your business. That is, get PREPAID orders for your services. Offer so much of a year s or 6 month s worth of service for a discount of say 20 to 40 off regular prices so you have money in the bank and guess what, you...

Financing -- Loans: Auto Lease Disposition Fee, lease, disposition
lease, disposition: for more see: http://www.leaseguide.com/lease09.htm Lease Fees and Taxes In car leasing, as in buying, there can be charges, fees, and taxes that often surprise newcomers. Fees can differ by dealer, leasing company, and by the state in which you lease....

Financing -- Loans: add on interest, add on interest, rule of 78ths
add on interest, rule of 78ths, auto loan: Rule of 78ths, is a method of calculating interest that earns most of the interest for the lender in the early months of the loan. Add on is a method of actually calculating interest in a fashion that seems to imply a lower amount of interest that a...

Financing -- Loans: advice, existing company, good business
existing company, good business, 23 years: This may be a great opportunity for you, if it is a good business and you can transition from an employee to a business owner - which is not necessarily an easy task. Obviously the easiest way to do this is to have the owner finance your purchase of business,...

Financing -- Loans: Banker vs Broker?, career, finance
career, finance, banking: Wow... I take it you wouldn t settle for an it depends answer, right? First, if you make a decision, based SOLELY on the potential for making money and advancement, I am not so sure that you are setting yourself up for a fulfilled or happy life. ...

Financing -- Loans: bank on yourself-?, bank on yourself
bank on yourself: Bank On Yourself OK, what is up with this link: Bank On Yourself Is this some sort of scam, or is it legitimate? Basically, they are pushing a particular kind of life insurance policy which allows you to borrow against it. In this way, you can pay...

Financing -- Loans: Auto Lease Disposition Fee, chrysler financial, lease return
Financing -- Loans: Auto Lease Disposition Fee, chrysler financial, lease return, bad experience

Financing -- Loans: bank on yourself-?, two books, avail
Financing -- Loans: bank on yourself-?, two books, avail, mutual insurance companies

Financing -- Loans: finance (liquidation), homework question, benefit of the doubt
homework question, benefit of the doubt, creditors: This sounds like a homework question, but I will give you the benefit of the doubt... Simply because a liquidation, usually by auction, often brings a low price for the equipment or real estate being auctioned. That price is usually insufficient to pay...

Financing -- Loans: finance (mergers), finance mergers, business failure
finance mergers, business failure, profitable company: Possible, but not likely... It all depends on the reasons that the two companies are failing. If the two companies are in the business and same geographical area, competing for the same customers, and both cutting margin to compete on price, there is...

Financing -- Loans: loc obtained new business, partner left, new business partner, british columbia canada
new business partner, british columbia canada, small business finance: Sorry, did not realize that you were in Canada, ay... OK, what I would do, (IF YOU HAVE A GOOD RELATIONSHIP WITH YOUR BANK) is call your bank and explain the situation and see if they will release your recalcitrant partner from the LOC. If so, tell your...

Financing -- Loans: pay off co-owners of land, acre of land, construction loans
acre of land, construction loans, co owner: 1 acre for $90K? Sounds high in this kind of market. How much money do you have to put down? Typically, I can find you a loan for about 50 of the value of a lot. Why don t you simply give them each a note for $30k with interest. IF they need...

Financing -- Loans: Rescheduling & Provisioning, general provision, rescheduling
general provision, rescheduling, loans: Rescheduling is simply the alteration of the terms and conditions of a loan agreement by either the borrower, the lender or the courts. See below: Rescheduling of debt by lender (1) A borrower - (a) who is unable to meet his obligations...

Financing -- Loans: Standard Loan, rule of 78ths, finance charges
rule of 78ths, finance charges, loan: At 23.46% interest, your first payment of $100.00 should have had $20.12 applied to interest and $79.88 applied to principal, leaving a balance of 969.49. The second payment of $150, should have had an interest payment of $18.59, leaving a balance of $838.08....

Financing -- Loans: shelf corporations, business tax returns, shelf corporations
business tax returns, shelf corporations, credit worthiness: You are wiser than the supposed consultants... I agree completely. The shelf corporations are only good for the creators, sellers and brokers of the shelf corporations. Banks are not THAT stupid, sub-prime lending aside. They will look through...

Financing -- Loans: Accounting fraud?, fraud, fasb
fraud, fasb, corporations: Sure, but it goes deeper than ratios. Corporations have inflated the value of assets, refused to properly mark down assets to current valuations, over stated income, under stated expenses, capitalized expenses instead of expensing them (over states income)...

Financing -- Loans: Audit danger?, accounting excess, fraud
accounting excess, fraud, stock options: Maybe if you take a job with the Mafia... Perhaps in some very extreme and rare cases, this could occur. Much more common, however, is pressure to go along to get along ! This is much more commonplace, especially in public companies, whose execs...

Financing -- Loans: Auto loan, 401k loan, self directed ira
401k loan, self directed ira, ira account: Relatives, friends, neighbors... for a low interest rate car loan. Also, try a credit union. Next try a bank. If all that fails, then consider a 401K loan. I would rather see you put your 401K into a self directed IRA account if your administrator...

Financing -- Loans: Being a Financial Analyst?, career, financial analysis
career, financial analysis, Kozlowski: Dear Chow. Dennis kozlowski, remember him? Chairman and CEO of Tyco, International, a $100 billion market cap company at one time, well he was a mediocore financial analyst/accountant and he went to jail. So just think of all the places that financial...

Financing -- Loans: Interest on Bond, Canadian, bond account
Canadian, bond account, interest: If you are Canadian, then you can easily verify that the amount deducted from your pay has been credited to you by accessing your Plan online at www.mybonds.gc.ca, or by checking your pay slips. You can also obtain information about your Plan by calling 1...

Financing -- Loans: Get A loan, business loan, equipment loan
business loan, equipment loan: Banks, finance companies, leasing companies can all easily finance this amount. The question is more than that of a business plan, you will need sufficient collateral and a demonstration of an ability to pay. Failing this, you will need to put together...

Financing -- Loans: mortgage payment raise, home equity line, equity line of credit
home equity line, equity line of credit, home equity line of credit: Hello, Unfortunately, you are going to have to pay the back taxes. What I would suggest is this; take out a Home Equity Line of Credit at about 5.8% interest and pay the back taxes off. You ll have a more affordable payment and you ll get to deduct it from...

Financing -- Loans: Payday Loan, loan collectors, social security number
loan collectors, social security number, kelly bailey: Hi, I can t give you legal advise, but I can tell you this. If you defaulted on a payday loan, go to where you got the loan and settle your account. It WILL hurt your credit aqnd stop you from getting another loan until its paid! Good Luck! Bobb...

Financing -- Loans: Salary woe?, salary, sales
salary, sales, executive compensation: Typically, the greater degree of difficulty, the more education required, the larger the dollars that are involved, then usually, but not always, there is a greater reward. It seems that sales often pays more at the lower levels in organizations than other...

Financing -- Loans: Sosigner on loan, national historical landmark, mechanic liens
national historical landmark, mechanic liens, future generations: I am not an attorney, but know of no way that you can remove her without her permission. Keep track of what expenses she owes, as this is a loan to her that you are making. Obviously, if she wants you to sell, she will not pay you unless the property is...

Financing -- Loans: sell gas station business, sba 504 loan, sba loan
sba 504 loan, sba loan, station business: John, The loan documents you signed most likely has language that makes it an event of default in the event you no longer own the business. I would read them carefully to see if there is such language. If there is, you have 2 choices. Contact the lender...

Financing -- Loans: What would you do?, career advice, hindsight
career advice, hindsight, regrets: A complete answer would require a book... Simply, listen more to the wisdom that my parents tried to impart to me. Seek out more mentors. Critically question some of my own earlier assumptions and beliefs. Tried better to discern the source of...

Financing -- Loans: Loan to future husband, interest automobile, automobile loans
interest automobile, automobile loans, ucc forms: My first question is why? Why are YOU playing banker? A lot of things could happen to your relationship, prior to your getting married. First, why would you agree NOT to take the titles? Why does he need them? IF you do this, you must make...

Financing -- Loans: Numerous fees, department of finance, advance fee
department of finance, advance fee, credit reporting agencies: No, it is not legal! Contact the Bank who has you loan and explain what has happened and ask them to correct the issues. They correct need to correct these issues to the Credit Reporting Agencies. If they won t, contact your Attorney General and explain to...

Financing -- Loans: Purchasing an existing Auto parts store, negative surprises, auto parts store
negative surprises, auto parts store, angel investors: Of course a partner can put up equity and that will help you to have more capital available. More capital is a good thing, especially in the advent of unexpected negative surprises. Sure you can organize an LLC. But consider, the more steps you take...

Financing -- Loans: Business Math, treasury bill yields, consumer installment loans
treasury bill yields, consumer installment loans, homework problems: As you can probably understand, we are not allowed to solve homework problems for people, but the explanation is fairly simple: Ordinary Interest is computed on a 360-day year, using 12 months of 30 days, instead of a 365-day year. For instance, Treasury...

Financing -- Loans: CFA vs MFin, masters in finance, continuous professional development
masters in finance, continuous professional development, mfin: You did not say what your undergrad was in. Assuming it was a generic business degree, I think I would go for the Masters in Finance. If it was finance, I would go for and MBA, then get some work experience and take the CFA while working. This is...

Financing -- Loans: Which loan to pay off first?, school loans, education loans
school loans, education loans, hippocratic oath: The first rule of giving advice is similar to the Hippocratic oath, first do no harm . I would like to assist you in your decision, but I really do not know enough about your situation to suggest to you what you should do. If you want to contact me...

Financing -- Loans: Motorcycle Finance, finance question, debt to income ratio
finance question, debt to income ratio, credit inquiries: Unless you are buying the bike from a very motivated buyer and are sure you can seel it in a year at more than you paid for it, why buy a bike now? Best, wait till you have some money in the bank and are completely out of debt. Next best, wait until...

Financing -- Loans: Need a loan, startup, entrepreneur
startup, entrepreneur, bad credit: Michael, I have no idea as to what type of business you are looking to start and definitely do not want to discourage your entrepreneurial spirit, however you have several things to consider at this point in time. My suggestions would include consider getting...

Financing -- Loans: Payoff for Auto Loan, city trust company, handicapped vans
city trust company, handicapped vans, consumer advocacy: This is outrageous, even for finance companies who are notorious for low standards of ethics. Contact your local newspaper, TV, consumer advocacy, EVERYONE, and get some publicity on this. Some low level bureaucrat can t make a reasonable decision and...

Financing -- Loans: Personal loan, loan origination fee, annual percentage rate
loan origination fee, annual percentage rate, finance charge: Debbie, I really can t. You have too many variables here. I took it as far as the first financing. I came close tho their payment but was slightly lower at 123.79. However, whenever you see an interest rate of over 15% on a loan, NEVER sign the...

Financing -- Loans: Auto Loan, carfinco, nsf fees
carfinco, nsf fees, highway robbery: This is outrageous and one of the worst consumer financial abuses of which I have heard. I am not sure what the consumer laws are in Canada, as I am in the US. However, you need to do several things right away. 1. Talk to a lawyer. 2. Whoever you...

Financing -- Loans: Auto Loan Payoff without Repossession, gmac financing, balloon payment
gmac financing, balloon payment, loan payoff: This is quite unusual! Curious if the amount of the last payment was a balloon payment or simply a regularly scheduled monthly payment. Regardless, GMAC was the lender, not the dealer. Therefore, prepare a lost title request, get a new title and send...

Financing -- Loans: business loan, new business loan, seek capital
new business loan, seek capital: Ken, It is good that your D&B score is solid, but the banks will place more measure in your credits ratings. The thinking is that the way you handle your personal credit is predictive of the way you will handle your business affairs. I would try a local...

Financing -- Loans: currency, economics concepts, value of gold and silver
economics concepts, value of gold and silver, paper currency: Q. How much currency can a government make available to its subjects? A. As much as possible, prior to its rejection by its people. Q. Let us assume that today is the day that my government has turned into paper currency. How is the government...

Financing -- Loans: Equitiy cash out, townhouses for sale, personal expenses
townhouses for sale, personal expenses, working capital: Hi Rex, Why are you looking to purchase something you already own? You should be looking for someone to refinance the Townhouse, to get some cash out. You will only be allowed to take about 75% out, leaving 25% as required by the banks these days. Find...

Financing -- Loans: Factoring/Account Receivable Financing for small business., account receivable financing, small business finance
account receivable financing, small business finance, factoring account receivable: Reputation is in the eye of the customer. A lot of horror stories out there about over charges, etc. Anyway, start with a commercial bank in your area, they still care a little about the pretense of reputation. Then the finance companies, GE, CIT,...

Financing -- Loans: Auto Loan, finance company, scepticism
Financing -- Loans: Auto Loan, finance company, scepticism, carfinco

Financing -- Loans: Auto Loan Payoff without Repossession, gmac
Financing -- Loans: Auto Loan Payoff without Repossession, gmac

Financing -- Loans: Judgement against me for Home Equity Loan, home equity loan, divorce agreement
home equity loan, divorce agreement, original mortgage: I am saddened to hear about your situation. As I am not an attorney, I really do not know whether he did the proper thing in filing a BK against the home equity loan. He may have not had a choice, and had to claim all his legal debts in a BK. As you...

Financing -- Loans: The Laws of Usery, fannie mae and freddie mac, place loans
fannie mae and freddie mac, place loans, national banks: Sterling, If I understand this correctly this is how simple interest is calculated. Your loan balance for so many days at the periodic rate to determine the per diem of interest for that period of time. I m sure you are aware by now that the RESCUE plan...

Financing -- Loans: The Laws of Usery, periodic interest rate, finance charge
periodic interest rate, finance charge, periodic rate: OK, typically banks use (assume) a 360 day calendar. I know, actual days in a calendar year are 365 or 366, but they can legally use 360, becasue it results in a higher interest calculation. Are you surprised? So, divide the annualized interesed rate,...

Financing -- Loans: LLC & loans, cash advances, outset
cash advances, outset, receipts: You will need to talk to an attorney, but in my opinion, it depends on what you and your partners agreed upon at the outset. Was this issue discussed? Did they agree to be equally responsible for the LLC s (or your) debts? Is this agreement in writing?...

Financing -- Loans: payday loans, mail order company, intial loan
mail order company, intial loan, consumer protection laws: I wish everyone would read your email!!! I have warned people several times: DO NOT USE PAYDAY LOANS!!! You will need to find out the consumer protection laws in your state. You should also find a local attorney that has some experience with pay...

Financing -- Loans: payloans, baton rouge louisiana, documentation fee
baton rouge louisiana, documentation fee, state of louisiana: I assume you must have written them a post dated check for the $120 and she then cashed it to obtain the cashiers check and this was after you had made your first payment? I am uncertain as to what the laws of the State of Louisiana are and you may want a...

Financing -- Loans: 50M, basis points, rate of interest
basis points, rate of interest, economic status: Hi Dan, 100-150 basis points over prime may be available. However, there are a number of variables that impact the rate of interest you may ultimately be offered. Some of the variables are: a. Is this the project of a new or existing business? ...

Financing -- Loans: Collection Law, law question, installment loan
law question, installment loan, question thanks: Is there a written contract for the student loan? Is it a federally insured student loan? Is the collection being made by the private school that is collecting a student loan it made to you, a friend or a relative? Is the collection being done by...

Financing -- Loans: Early payoff for car loan, finance contract, finance company
finance contract, finance company, car loan: In theory, yes. However, it depends on your finance contract. An easy way to determine this is to call your finance company and ask for a pay off amount. Compare that to the total of your remaining payments, and that difference is the amount of...

Financing -- Loans: international financing, hi tech farming, farming fish
Financing -- Loans: international financing, hi tech farming, farming fish, delhi ncr

Financing -- Loans: My vehicle loan...big problem, time to come home, mcalester
Financing -- Loans: My vehicle loan...big problem, time to come home, mcalester, month and a half

Financing -- Loans: frontloading interest, consumer affairs office, pay day loan
consumer affairs office, pay day loan, better business bureau: Front loading or Rule of 78ths is a dirty little secret of many shady credit companies. However, this is different from taking ALL the interest in the event of a pre-pay, as you have described your situation. You should get some refund. I would send...

Financing -- Loans: international financing, hard money lenders, resort projects
hard money lenders, resort projects, international financing: As you have probably found, this type of financing is extremely difficult to find right now. I would need to look at the details of the proposal to personally assist you, but you can begin by googling international hard money lenders to determine the...

Financing -- Loans: mortgage late payments & adding to the end, late payments, buehl
late payments, buehl, good luck: Hi, It s possible, but highly unlikely if you haven t talked to them before your payment goes late, sorry. You will have to see if your bank will comply with your wishes, because there is no set rule for them to do so. Good luck! Bobbi Buehl Sr....

Financing -- Loans: Rate/APR, nut shell, apr rate
nut shell, apr rate, closing cost: Hello, In a nut shell, Your payment is calculated on the rate you are in, not the APR. The APR rate just means, if you add closing cost to your loan (which is taking your mortgage higher than the payoff) it s like paying the high APR rate. Example: if...

Financing -- Loans: resolving vehicle financeing issues, driver survey, notice of cancellation
driver survey, notice of cancellation, ncdoi: My neighbor owns an insurance agency and I took your issue to him to get some additional insight. He has never come upon this situation before, but is asking some of his experts. It sounds like you have done almost everything except contact an attorney...

Financing -- Loans: rude creditor, personal protection order, criminal attorneys
personal protection order, criminal attorneys, selling drugs: CALL THE POLICE AND REPORT WHAT THIS PERSON IS DOING AND THAT HE MAY HAVE SOLD YOU A STOLEN VEHICLE!! I am assuming the owner also provided financing for your car. Call the police and ask them to run your vehicle identification number through their computers,...

Financing -- Loans: Used car loan with 683 fico score...., co signer, work car
co signer, work car, question thanks: Car dealers are desperate to sell cars now. You have a decent credit rating, certainly enough for a motivated car dealer to try and make something work. For example, the car dealer can take recourse on your deal, which simply means that in effect the...

Financing -- Loans: My vehicle loan...big problem, vehicle loan, co signer
vehicle loan, co signer, credit score: Your Bank may have created a problem for itself in handling your loan in this manner. This just plain smells to me. Please e-mail me your name and address and your state of residence; the name of the Bank; and the state where your bank is located. It...

Financing -- Loans: Wedding Loans, pell grants, feasible option
pell grants, feasible option, med students: Medical school is actually a good thing, banks loan to med students based on potential earnings after completion of school. However, that won t be taken into account yet, as he is not even in med school. How to build a credit rating? http://letmegooglethatforyou.com/?q=How+to+build+a+credit+rating...

Financing -- Loans: equity loan default, loan, loan default
loan, loan default, farm loans: Betty, My suggestion would be not just to quit paying or to walk away. I believe that is in your best interest to go in and talk to the lender and speak to them about what your options are, what you are considering, and what would be in the best interest...

Financing -- Loans: FHA and farm income, acre hobby farm, fha loan
acre hobby farm, fha loan, right mortgage: Hello Tom, I don t normally get the opportunity to speak with people who discover me on this site. It was a pleasure speaking with you today. I wish you and your wife the best of luck in your search for the right mortgage for your situation. Sincerely,...

Financing -- Loans: loan & inteterest, loan calculator, land loan
loan calculator, land loan, farm loan: This would depend upon whether the borrower is making equal principal payments or whether it is a standard amortization. With equal principal payments you would divide the $1MM by 10 years to get the principal portion of the payment, which would stay equal...

Financing -- Loans: RESPA-Mortgage Fraud question, good faith estimate, mortgage loan origination
good faith estimate, mortgage loan origination, credit opportunity act: You may have a case but what damage do you have as a result of the fraud. Tell Countrywide you want to be released from the mortgage due to fraudulent disclosures by the broker. Countrywide bought the mortgage subject to any defects in the paper by the...

Financing -- Loans: Buying a Sibling out of an Estate Property, time home buyer, first time home buyer
time home buyer, first time home buyer, home hope: Hello, The easiest way to do this is to get yourself qualified for a loan. Also, you do NOT have to do a purchase loan, you would be doing a refinance loan. You might want to go to a local Title Company and have yourself Quit Claimed onto the deed, sometimes...

Financing -- Loans: bank responsibility, customer assistance group, consumer response center
customer assistance group, consumer response center, deposit insurance corporation: Send a letter to the State Agency that handles consumer complaints in the state where the bank is located and tell them what has happened. Send a copy of the letter to the Bank s President and CEO. I found this article on the internet that provides information...

Financing -- Loans: Credit Defamation, social security number, return receipt
social security number, return receipt, usc sections: You may have a viable case if you have suffered any damages as a result of the error. Do you have documentation of your efforts to have the bank fix it. A letter would be excellent! But first, what he needs to do is get the error corrected by reporting...

Financing -- Loans: car loan, higher finance, kentucky branch
higher finance, kentucky branch, finance charge: Wow, who IS this finance company? First, transferring an account from one state to another should NOT result in a higher finance charge. Is it possible that you borrowed more money or took an advance or something? I would call your Georgia office and...

Financing -- Loans: car loan, contingency fee basis, state attorney general
contingency fee basis, state attorney general, kentucky branch: Even if the loan agreement allows such a charge, I doubt you had any idea they would ever charge such an outrageous amount. I would tell them you refuse to pay the $5,000 fee and you will continue to pay in Georgia. I would also call the state attorney...

Financing -- Loans: car loan, kentucky branch, commercial specialist
kentucky branch, commercial specialist, dear scott: Dear Scott, Thank you for your inquiry. Even though this case should be re-checked by a law office, I will do some contributions to guide you. Please check the contract/agreement which you have signed in between that financing company. If there is...

Financing -- Loans: lower payments thru refinancing, divorce, refinancing
divorce, refinancing, recasting: That is a trickier question. Different states have different laws regarding ownership of property and marriage. In Ohio, for example, we have what is known as Dower Rights. In general terms, that means that what one spouse owns the other spouse automatically...

Financing -- Loans: Operating Capital, capital finance, credit options
capital finance, credit options, wages: Go back to your customers and ask if thye believe banks have been more restrictive lately... Of course they will agree. Then ask if they would be willing to pay in advance (become your bank) in exchange for a discount on your price. If this doesn...

Financing -- Loans: Could I have been wrong about how I was added to loan?, telling me the truth, bank representative
telling me the truth, bank representative, personal bank: This sounds like more of a question for Dr. Phil rather than me. That said, I would take your husband at his word, unless you have other reasons to not trust him. I have seen situations where the Bank and the borrower did not have a meeting of the minds...

Financing -- Loans: collateral loan, e mail address, collateral loan
e mail address, collateral loan, fish chips: Are you going to operate a fish n chips restaurant? If so, do you own this equipment now? Have you developed financial projections for the restaurant? How late were your payments. What exactly isbyour credit score? Have you owned a restarant before?...

Financing -- Loans: loan, fish chips, wholesale value
fish chips, wholesale value, free answers: Have you been operating the restaurant? How long in operation? When did it shut down? Why did it shut down. Have your payments been 30 days or more late? Jeff, I answered your question and all the follow-up questions. Most people that receive free...

Financing -- Loans: Purchasing a hobby farm., delayed closing, septic system
delayed closing, septic system, bad advise from Broker: You are in a tough situation. I don t know why you were encouraged to invest money in a property when you did not have the property title in your name. I am also concerned that you are currently occupying property. Typically, buyers don t move into a property...

Financing -- Loans: sba loan, sba loan, rough time
sba loan, rough time: This is certainly an option; however, the decision to allow this is dependent upon the lender themselves. Most times a lender will recognize a temporary problem and will allow this as a solution. I would recommend contacting the lender and detailing your problem...

Financing -- Loans: bank drafts, overdraft line, overdraft protection
overdraft line, overdraft protection, time draft: Hi Paul and Fran, Your issue is not really with your Bank. I expect the credit card company represented to your bank you authorized a draft in the amount of $650. If your bank paid the draft against an overdraft line of credit issued to you and Fran,...

Financing -- Loans: equity loan, small claims court, home equity line
small claims court, home equity line, debt forgiveness: Hi Dave, Did your good friend sign the home equity line note? Did you just hand over the money to your friend or did good friend sign a note with you? What did good friend give you as collateral to secure his promise to pay you back? Has your...

Financing -- Loans: Larger acreage purchases, Farm Loans, Farm Loan
Farm Loans, Farm Loan, Ranch Loan: Ronald, Obviously the answer is to finance it with our company! Visit: www.landloanspecialists.com No, in all seriousness this is our niche. Farm, ranch, and recreational real estate loans are all that we do. To answer your questions specifically the property...

Financing -- Loans: Getting a loan with bad credit & co-signer, getting a loan with bad credit, loan with bad credit
getting a loan with bad credit, loan with bad credit, debt consolidation: When the co-signer has good credit, the best place to go is the co-signer s bank where he has established credit. The reality is, however, many people who have excellent credit do not really want to be a cosigner. They do not want to risk having a person...

Financing -- Loans: Problems with finance company, social security number, confirmation number
social security number, confirmation number, logical explanation: Hello, The only logical explanation I can think of for this to happen is; your daughter has a common name and the credit bureaus have her mixed up with someone else. Have her contact the credit bureaus again and validate her social security number with...

Financing -- Loans: personal loan from Daughter, step daughter, loan agreement
step daughter, loan agreement, breaking the law: Hello, To answer your question; I do not see a problem, or see you breaking the law. As long as you have documentation that proves a big deposit to the bank. But, I am not a Lawyer, so you might want to check with one of them first. Sorry I couldn t...

Financing -- Loans: rates, mortgage backed securities, cnn money
mortgage backed securities, cnn money, finance market: Hello, I wish I did know of a place to go to find this information myself. But, to the best of my knowledge, there isn t one and don t see how you d be able to keep up with the rate change information, since we in the business can t. What that last comment...

Financing -- Loans: Small Business Loans, small business loans, guaranty agreement
small business loans, guaranty agreement, deceased party: I assume each of the owners personally guaranteed the debt or co-signed with the company to get the line of credit. Both of the original parties would generally be responsible for the loan. The estate of the deceased person would be equally liable for repayment...

Financing -- Loans: Buying A Coffee Shop, coffee shops, coffee shop
coffee shops, coffee shop, money maker: Here is an idea... Consider why Starbucks is closing 1,000 coffee shops... Consider why this on eis up for sale... I would think that if it were a good business, a good location, a money maker, it would never be for sale. Reconsider. It may...

Financing -- Loans: How to get out of an equipment lease, leasing company, viable option
leasing company, viable option, sublease: I am sorry to hear about your situation. Usually a lease is non-cancellable. Your lease probably says that you can not sub-lease without written authorization and approval. First talk to your leasing company and see if they will cooperate. They...

Financing -- Loans: Loan, refinancing a land contract
refinancing a land contract: What it reads like you are proposing is the refinance of a land contract--which is done all the time. Is your land contract registered and properly executed to comply with current local, state and fed. applicable laws? Make sure that you have all of your...

Financing -- Loans: loan pay-off, loan balance, term 1
loan balance, term 1, wierd: Myself, I would stay liquid and keep the note outstanding. 4.25% is a good rate. There are bargains galore right now in the real estate market. Banks are not lending. Toady, a bank might not even loan you the money that you already have outstanding against...

Financing -- Loans: Raffle a car, nissan titan, car question
nissan titan, car question, charitable group: You really do need to see if there are any attorneys in your area that can take your case on a contingency basis. Call your State s Attorney General Terry Goddard s Office and ask to speak to their consumer complaints division. They may already be investigating...

Financing -- Loans: Second home not investment home, stimulus package, heloc loans
stimulus package, heloc loans, chase: Nancy, So sorry to hear of your and your husband s situation. Before I can offer anything, I need to know a little more about the details. If you like to do this more privately, you can e-mail me off line at ron999d@yahoo.com. I will respond...

Financing -- Loans: Vehicle Voluntary Turn Over, bank repo, americredit
bank repo, americredit, loan balance: Why have you been unable to get the car refinanced? I assume your credit was good enough to get it financed. Thus, it would seem you could get it refinanced unless you owe more than the value of the car. Can you sell the car for enough money to pay off...

Financing -- Loans: Grant for Small business, double edged sword, sba loan
double edged sword, sba loan, business plan: It is possible to receive a grant or an SBA loan, depending on the business plan, pro forma, your credit history, etc. A grant is often harder to get than a loan, and there are consultants who specialize in assisting businesses in applying for, and recieving...

Financing -- Loans: When must a loan financer accept payment?, wachovia dealer services, wachovia bank
wachovia dealer services, wachovia bank, spirited manner: Are you aware Wachovia Bank was recently bought by the Bank of America? In my opinion it is shameful that a bank that has asked for and accepted billions of dollars in taxpayer bailout money would treat its small loan customers (taxpayers whose taxes are...

Financing -- Loans: Do we qualify?, score range, lending money
score range, lending money, getting a loan: Hi, I can tell you this. If you pay off some of that debt, which will raise both of your credit scores, you ll stand a chance. The banks are not lending money with those credit scores today. You ll need to be in the 700 credit score range for them to even...

Financing -- Loans: My Start Up, angel investor, writing up a business plan
angel investor, writing up a business plan, professional investor: Barry, The scope of your question is too broad for a full discussion here. You should talk to the investors and see what they are willing to do. Obviously, it will be a proposition, based from their perspective. Then, obtain an attorney and go...

Financing -- Loans: thinking of refinancing, employment environment, closing cost
employment environment, closing cost, extra money: Hi Sara, Do not refinance!! By the time you add closing cost to your loan and the rate you d get (substantially lower because of the loan amount) it wouldn t be worth it, not even close!! Besides that, you are unemployed, so you would be qualified to refinance...

Financing -- Loans: Auto Loan Contracts, loan contracts, bad feelings
loan contracts, bad feelings, finance company: I apologize being so late in responding. I am not sure why I did not receive notice of your question until special.notuce came to ask why I had not responded to your question. I am truly sorry this is so late. As to your question, they likely can...

Financing -- Loans: car loans, Financing, Loans
Financing, Loans, Credit Bureau: You may want to try financing a car utilizing a local commercial bank or credit union rather than a car manufacture. These institutions may allow for an explanation where a car manufacture (GMAC, FMCC, etc) will stop immediately when seeing the score. Also,...

Financing -- Loans: Direct Pay letters of Credit, credit enhancement, commercial banks
credit enhancement, commercial banks, cost of debt: Yes it is feasible as DPLOC provides a credit enhancement that will lower the borrowers overall cost of debt. It is not difficult to obtain providing the project merits the issuance of a DPLOC. The terms of the DPLOC will depend again on the project. Most...

Financing -- Loans: FHA loan, fha loans, fha loan
fha loans, fha loan, question thanks: Hello, I m not really sure what you are asking. If you are asking the question Can we use the house as a rental house without refinancing , then yes you can. If you are asking if you can refinance another home through FHA, the answer is no you cannot....

Financing -- Loans: finance, investment appraisals, measurable period
investment appraisals, measurable period, npv: NPV and IRR techniques assumes tomorrow’s money has less value than today…..is this always true? To date, any period of deflation (if there ever has been any measurable period of deflation+, has not been significant. As a result of inflation, historically,...

Financing -- Loans: lake property, farm loan, land loan
farm loan, land loan, farm loans: Jennifer, Most construction loans are set up on some type of variable or adjustable rate with a short term to allow for the construction of the improvements. They establish based on your request a limit that can be utilized for this construction and then...

Financing -- Loans: Buy a business financing, life insurance policy, seller financing
life insurance policy, seller financing, second mortgage: With your recent BK and resultant credit scores, the bank will certainly say no. But ask for seller financing. Work out a deal with him. He will probably consider second mortgage on your house and a lien on your car. But careful, you will be betting...

Financing -- Loans: car liens, judgment debtor, small claims court
judgment debtor, small claims court, court judgment: I cannot answer the question without knowing the state in which the judgment debtor resides. However, since you have a judgment against him, you can generally execute the judgment against any property the debtor has (e.g. bank accounts and autos (with limitations))....

Financing -- Loans: Mortgage Interest Rates, bank interest rates, fixed rate loan
bank interest rates, fixed rate loan, mortgage interest rates: Hello, The first thing I m going to say is this; I m having trouble seeing that any bank would tell you they d convert your home equity into a fixed rate loan within a given period Maybe a unscrupulous Loan Officer, but not a Loan Officer working at a bank....

Financing -- Loans: SBA loan, sba loan, opening a small business
sba loan, opening a small business, personal residence: Yes, under the terms of the SBA loan agreement, the Bank whose loan is guaranteed by the SBA could sell your home to satisfy the debt. If the SBA takes over collection of the loan, they could sell the home also. However, I have never seen an instance where...

Financing -- Loans: ATV Loan, minnesota lawyer, loan question
minnesota lawyer, loan question, midway point: Hi Tom, The credit union can still require you to pay for the ATV since they were not involved in the purchase. Your may have recourse to recover the ATV under Minnesota law if you qualify as a bona fide purchaser for value who purchased the ATV without...

Financing -- Loans: Bank says I owe money I don't, return receipt, letter to the president
return receipt, letter to the president, credit bureau: In short, the Bank has the burden of showing you documentation that you borrowed the money (unpaid note(s)) and, then the burden shifts to you to show that you paid them. Send the bank and the collector (address the letter to the President of the bank...

Financing -- Loans: Contract for Deed Recording, Land Loan, Contract for Deed
Land Loan, Contract for Deed, Farm Loan: If you have an original signed and notarized agreement you can file this with the county if you prefer to do so. In your position (Grantee) I would recommend you file it. If I were in her position (Grantor) I would recommend not filing it. Reason being...

Financing -- Loans: dwelling coverage, home insurance company, dwelling coverage
home insurance company, dwelling coverage, mortgage balance: Yes, you may have some avenues available to correct the problem. The mortgage lender may be going by the appraisal submitted when you obtained your mortgage. Have you seen the appraisal submitted to the lender when you obtained your loan? You should ask...

Financing -- Loans: Enron and AIG, bailout package, collaspe
bailout package, collaspe, reporting obligations: The information you want is not public information. You may need to contact your Congressman or Senators and ask them if the Federal Government requested such information as a part of the AIG bailout. You might also request they ask AIG for this information...

Financing -- Loans: Equity Loan Fraud, loan fraud, mortgage fraud
loan fraud, mortgage fraud, heloc loan: Hi Jennifer, This one is easy. If the owner did not sign the loan documents and the loan documents were signed by the son without his father/owner signing also, the mortgage is invalid. If the father did make some written representation that he approved...

Financing -- Loans: grants, Land Loans, Farm Loans
Land Loans, Farm Loans, Financing: The answer to this question depends a lot on the type of business and what type of community you are looking to start your business in. In rural areas, which I believe is communities less than 25,000 people, check with your local Rural Community Development...

Financing -- Loans: Liens and Foreclosure, bankruptcy chapter 7, foreclosure procedure
bankruptcy chapter 7, foreclosure procedure, home equity line: Since the lien is against your grandmother, the State of Washington cannot go against your mother to recover any part of the lien not satisfied (paid) by the sale of the townhouse. If it is jointly owned property (depending on all the facts) your mother may...

Financing -- Loans: Adj. rate loan, fixed rate loan, fha loans
fixed rate loan, fha loans, fixed mortgage: Hello, I would talk with another lender to see if you can put both loans into on lower fixed mortgage first. You ll need to talk with someone who can do FHA loans, since they will refinance you at 97-75% loan to value. If your can t get the value you need...

Financing -- Loans: car held hostage in hawaii, bad faith, renting a car
bad faith, renting a car, cruzer: Go ahead and negotiate the purchase of a new car before you suffer a drop in credit rating if you are finally forced by financial circumstances to turn the HI car over to the bank because they would not release the car on a reasonable basis. Put the HI car...

Financing -- Loans: commercial financing, legal sense, private money
legal sense, private money, commercial financing: It is actually a great question... I am surprised that more borrowers do not question their interest charges. Of course the combination of fees and interest is usurious, at least in the literal sense, anyway. Whether they are usurious in the legal...

Financing -- Loans: credit dispute issue, defamation action, credit dispute
defamation action, credit dispute, legal contract: Hi again Desiree, In addition to what I said in my prior answer you should write another letter to the electric company and demand they stop reporting false information to the credit reporting agencies as this is not your account, and you never authorized...

Financing -- Loans: discussion on the topics. Kindly help us, current exchange rate, exchange rate exposure
current exchange rate, exchange rate exposure, exchange rate change: Exchange Rate Exposure in international transactions is really not my area of expertise. My understanding of the issue is very limited. As I understand it the exposure arises from changes in value of the currency denominated for use in payment of an obligation....

Financing -- Loans: Follow-Up on Fax, hi mike, last friday
hi mike, last friday, apology: Unless you got a sincere apology and an explanation for the no show, I would stay away from that lawyer. You will need to call the number 866-46-355 and ask about the status of your request for reliemade in April. If they can t find you, tell them you have...

Financing -- Loans: mortgage refinance, state attorney general, dept of finance
state attorney general, dept of finance, voice mail: Hello. I want to say first say this, I am truly sorry this has happened to you!! It is companies just like this, that make it bad for honest firms! To my way of thinking, this is a totally illegal practice and the first person s you should contact is...

Financing -- Loans: Trying to attain a personal loan, financial shape, credit unions
financial shape, credit unions, likelyhood: You sound like a very credit worthy young man and have a great credit score. You should qualify for a loan of some kind. You did not say what you wanted to buy with the $5,000, hopefully it is something of lasting value and can be used as collateral...

Financing -- Loans: FHA vs. USDA, usda loan, fha loan
usda loan, fha loan, insurance charge: Hey Joe, There is a significant advantage in going with a USDA purchase verses FHA. 1) No down payment 2) No monthly mortgage insurance charge 3) More credit score forgiveness, which means you only need a 600 credit score. Whereas the FHA...

Financing -- Loans: Payday Loan Prosecution, check fraud, fraud charges
Financing -- Loans: Payday Loan Prosecution, check fraud, fraud charges, payment arrangement

Financing -- Loans: Help?, first time offenders, free counseling
first time offenders, free counseling, recreation space: First, let me say that I appreciate you willingness to get involved and do something positive for your community. I know little about grants and how to go about receiving them. My first suggestion would be to contact your county and state government...

Financing -- Loans: Land loan, usda loan, usda guidelines
usda loan, usda guidelines, new mortgage: There are several areas of interest with regards to structuring the purchase of the new property. 1. According to most home mortgage guidelines, the land cannot be worth more than 30% of the total appraised value of your property. 2. What is the current...

Financing -- Loans: Payday Loan Prosecution, intentional infliction of emotional distress, contingent fee basis
intentional infliction of emotional distress, contingent fee basis, debt collection practices: In short, the payday lender in Texas is violating the law with a threat of criminal prosecution to coerce payment on a civil debt. I am not a Texas lawyer but my research indicates the Constitution of Texas forbids criminal prosecution for non-payment of...

Financing -- Loans: refinancing qualifications, Condominiums, ARM
Condominiums, ARM, refinancing: Dear Jessica, I understand your frustration. This is a common malaise in this restricted environment for mortgage financing, particularly for those who want to refinance or purchase a condo. The problem is that so many foreclosures over the last two years,...

Financing -- Loans: usda vs. FHA, FHA, USDA
FHA, USDA, Guaranteed Rural Housing: I am a big fan of both USDA/Guaranteed Rural Housing and FHA programs. I use them both as much as possible with my customers because they have low down payment requirements, lower mortgage insurance costs and reasonable lending guidelines. They both require...

Financing -- Loans: fha loans and farm income, farm loans, FHA
farm loans, FHA: Hi Joseph, FHA guidelines prohibit loans on income producing property. So, if you are trying to refinance a property which is also a working farm, FHA is not the loan type for you. You may want to look at your area Farm Credit Services/similar type of...

Financing -- Loans: not receiving financing after closing, professional plumbing company, equity line of credit
professional plumbing company, equity line of credit, lien releases: Sorry to hear about the situation with your bank. I would get an attorney to write you a letter, asking them to immediately provide you with a final list of what you must do to obtain your funds. Send it certified mail. If that doesn t work or if...

Financing -- Loans: S B loan, motorcycle shop, interest on the loan
motorcycle shop, interest on the loan, sba: No easy way to determine what is better for you without personal info. You will need to shop banks and the SBA for the better deal. Contrast interest rate to term and cash flow, for example, you might be willing to pay a higher interest rate, for lower...

Financing -- Loans: small loans, small loan company, default judgment
small loan company, default judgment, installment loans: Nothing you can do but sue for non payment, which is unlikely to get you much or anything. It could result in an expensive counter claim. Most people in this position will simply allow it to go to a default judgment. But, be careful in how you try to collect...

Financing -- Loans: Credit company calling when paying on time, civil relief act, servicemembers civil relief act
civil relief act, servicemembers civil relief act, soldiers and sailors civil relief act: If your son is on active duty he is protected by the Servicemembers Civil Relief Act (see below). Jan 22 2004 On 19 December 2003, President Bush signed into law the “Servicemembers Civil Relief Act” (SCRA). This law is a complete revision of the Soldiers’...

Financing -- Loans: late payment, car payment, late fees
car payment, late fees, good luck: Not sure I totally understand, but sounds like you missed a car payment. Call the company and explain the situation and make arrangements to get them paid current as quickly as possible. If they are legitimate, they will work with you, but you will...

Financing -- Loans: car loan of a person that died, halloween eve, part time work
halloween eve, part time work, hospital bills: Who is the executor of his estate. The executor needs to sell you the car. If there is no executor, you should go to the bank and see if they will take the vehicle back and sell it to you in a private sale for the balance owed. If the car has any value...

Financing -- Loans: Equipment Lease, loss payee, leasing company
loss payee, leasing company, nut shell: It is possible that your acount was acquired by another leasing company, either because your prior leasing company failed, or simply exited the business. If you borrowed the money (are using the equipment they purchased and signed a lease) then you do owe...

Financing -- Loans: Bi weekly?, term loans, loan officer
term loans, loan officer, time off: Hi, To answer your question, yes it will also knock off years on lesser term loans.... :) FYI....it s important to workout some type of additional payment to your principle, if it s only $50.00 a month. Thanks, Bobbi Buehl Sr. Loan Officer...

Financing -- Loans: How to deal w/ Chase bank on a re-fi?, adjusted gross income, chase bank
adjusted gross income, chase bank, junk mail: Curtis, There is absolutely nothing you can do to make Chase refinance your Modular home. The only option your really have is to do an FHA refinance and then you have to find a lender that still does them through FHA. If you can t find a Lender let me know...

Financing -- Loans: Bi weekly?, loan company, interest rate
Financing -- Loans: Bi weekly?, loan company, interest rate, bad credit

Financing -- Loans: How to deal w/ Chase bank on a re-fi?, loan company, interest rate
Financing -- Loans: How to deal w/ Chase bank on a re-fi?, loan company, interest rate, bad credit

Financing -- Loans: Reverse Mortgage, loan company, interest rate
Financing -- Loans: Reverse Mortgage, loan company, interest rate, bad credit

Financing -- Loans: Reverse Mortgage, reverse mortgage, aged care facility
reverse mortgage, aged care facility, divorcee: Unfortunately, it depends on the individual institution and loan documents involved. You would best be served by contacting the lender involved and asking them. However, I would recommend, if you receive an answer you do not believe is correct, that you have...

Financing -- Loans: balloon 3 year interest only residential loan bank fraud, residential loan application, mortgage cosigner
residential loan application, mortgage cosigner, bank fraud: Your Bank was acquired by South Carolina Bank & Trust. Since the foreclosure was completed prior to the FDIC arranged acquisition, your records will be under the control of the FDIC. Call the main office of the FDIC in Washington, and explain you need copies...

Financing -- Loans: Carfinco, CARFINCO, UNFAIR
CARFINCO, UNFAIR, Unscrupulous: Dear Gabor, I am very sorry to hear about your regrettable story and horrible experience with CARFINCO. I would be happy to make a call on your behalf to the company, but I would need your permission and some additional information about your account...

Financing -- Loans: DEFAULTED STUDENT LOAN, defaulted student loan, loan forgiveness programs
defaulted student loan, loan forgiveness programs, mass program: I am not aware of any mass program that would forgive student loan debt. I did some research (hence some delay in responding (sorry!)) and did not locate any such program. It would help to know if your student loan is private or federally subsidized. I did...

Financing -- Loans: Carfinco, carfinco, lawyer
Financing -- Loans: Carfinco, carfinco, lawyer, voluntary repossession

Financing -- Loans: federal reserve interest rates, excess liquidity, federal reserve system
excess liquidity, federal reserve system, central banks: Reducing interest rates is a way in which the Federal Government through the operation of the Federal Reserve System provides excess liquidity to the market. Conversely, higher rates are thought to reduce liquidity. It is also that that increased liquidity...

Financing -- Loans: Home construction loans, home construction loans, empty lot
home construction loans, empty lot, union construction: Hello, There are some Lender s out there who finance vacant property, but the interest rate is high, but if you are planning on buy and building, that s another story. Banks will combine a construction loan and a lot into one loan. Your best bet to find...

Financing -- Loans: Loans, hewlett packard 17bii, ti baii
hewlett packard 17bii, ti baii, mortgage lender: If you are a teacher, then I would suggest using an Hewlett Packard 17BII, which is the old standard among lending professionals. You, of course, may choose to use Excel or some other spreadsheet. If so, I can provide formulas for that. I suspect,...

Financing -- Loans: loan on RV lemon, contingency basis, return receipt
contingency basis, return receipt, bad faith: Before you contact an attorney, place the RV for sale and find a qualified buyer willing to pay its blue book value for a private sale on an as is basis. Then go to the Bank with the buyer and ask them to apply the full payment to the outstanding loan balance...

Financing -- Loans: The Money Store and J.G. Wentworth, new york yankees, phil rizzuto
new york yankees, phil rizzuto, customer attrition: Interesting you ask. I once met the son of teh sounder and was heading the effort to acquire Money Store for my corporate employer. At the time they were primarily an SBA lender (I followed them from 1990 through 1998, then it was acquired by First Union...

Financing -- Loans: car loan - insurance, soldier finances, deployed
soldier finances, deployed, credit union: Dear Kim, I would like to start by thanking your family and your son for his service to our country. I have personally heard too many stories of soldiers finances being undermined, either through mismanagement or by the deliberate action of others, while...

Financing -- Loans: Equity line of credit, land loan, farm loan
land loan, farm loan, land loans: In my opinion your best option to obtain a Revolving Line of Credit in which you can draw on and pay down as necessary would most likely be through a local Farm Credit organization there in your area. With this being said there will be some stipulations in...

Financing -- Loans: Loan Payoff, financial loans, lien holders
financial loans, lien holders, lien holder: The short answer is you do not need an attorney, however, if you do not have any experience or training in working with secured loans and loan documents, you should at least have an attorney review the new loan documents before you sign them in favor of the...

Financing -- Loans: loans, mobile home, loans
mobile home, loans, financing: Mobile home financing is limited only to a few lenders due to the type of dwelling, which I m sure you are aware of this. Your best option may be to contact a local commercial bank such as where you do your consumer business (auto loans, checking, savings,...

Financing -- Loans: Motorcycle loan advice, motorcycle dealership, motorcycle loans
motorcycle dealership, motorcycle loans, collateral loan: If you belong to a credit union, you are a member. I would go to the credit union first, as often the rates are lower and the terms are more favorable. Term depends on what you can afford, make sure that you can make the payments, before you commit to...

Financing -- Loans: obtaining loan using farm land as collateral, land loan, farm loan
land loan, farm loan, South Carolina land loan: Andrew, Currently Land Loan Specialists.com does not work in the State of South Carolina as our focus is on 9 States here in the Plains States. However, you have several different options in obtaining financing for this property including Farm Credit, American...

Financing -- Loans: Start Up Business w/ partner. Question about initial investment, long time friend, ownership stake
long time friend, ownership stake, tuff time: OK, so you know the risks up front, that is you could lose both your money and your friendship. That said, hire an attorney to have the documents drawn up, he or she will be able to guide you through all of the issues and concerns that you may or may not...

Financing -- Loans: solution, rip-off artist, scam artist and con man
rip-off artist, scam artist and con man: Sir, in my opinion you are likely a rip-off artist with no place of business other than a mail box and bank account. In my opinion, you prey on individuals in desperate financial situations and charge them up-front fees with absolutely no intention of making...

Financing -- Loans: Having my son understand importance of Education/Business, opening a business, equipment furniture
opening a business, equipment furniture, power struggle: Dear Jeremy, I apologize for the delay in responding to your question. I have been pondering your question for a bit of time, as I find it very interesting. Here is what I have decided to write in response. I come from a family of educators. Both...

Financing -- Loans: can credit union keep loan overpayment, foreclosure proceedings, full time job
foreclosure proceedings, full time job, part time job: What the credit union or any creditor can do is stated in the loan agreement. Generally, they have a right of set-off against your deposit account. I have never known a lender to exercise its set-off rights when the loans are current. One simple solution...

Financing -- Loans: presettlement funding loan, non recourse loan, pre settlement
Financing -- Loans: presettlement funding loan, non recourse loan, pre settlement, advance company

Financing -- Loans: presettlement funding loan, lloyds of london, loan preparation
lloyds of london, loan preparation, loan question: Dear Patricia, The answer to your first question is perhaps. To say clearly again -- I am not an attorney and this is not legal advice. Please seek the advice of an attorney if you have any questions regarding any issues described/discussed herein. --...

Financing -- Loans: Car loan question, kelley blue book, 2006 dodge stratus
kelley blue book, 2006 dodge stratus, loan question: Dear Kati, Do you know what your current car is worth? I would look up Kelley Blue Book or NADA pricing for the car. Then you can make a better determination as to which is the better option. If you owe more than it is worth, then perhaps it would...

Financing -- Loans: carfinco, leasing company, lien holder
leasing company, lien holder, finance company: If you lease a car, the owner will be listed as the leasing company. If you finance a car, you are the owner and the finance company will be (should be anyway) listed as the lien holder on the title. If the finance company is not listed as the lien...

Financing -- Loans: condo refinance coverage, worst case scenario, condo insurance
worst case scenario, condo insurance, insurance policy: Hello, I m afraid your Bank will find out if you change the insurance policy and if it s not what the require or more, then they will put an insurance policy on your home that will quadruple what you presently pay. If that happens, you are stuck for one...

Financing -- Loans: condo refinance coverage, worst case scenario, condo insurance
worst case scenario, condo insurance, proper coverage: Your mortgage company is a co-insured on your policy. When your coverage is renewed or lapsed, a notice is sent to the mortgage company. Often, if a change is made in coverage, a notice is also sent. Nothing prevents you from changing the coverage,...

Financing -- Loans: Financiers, hard money lender, private equity
hard money lender, private equity, investor: Unfortunately, the US is also experiencing a crisis in lending and the resultant non-availability of commercial loans, except for the most well capitalized and profitable of companies and their projects. The US, too, has seen this same increase in thieves,...

Financing -- Loans: Online loan for $5000, state attorney general, legitimate deal
state attorney general, legitimate deal, western union: No, this is not how legitimate lenders operate. Good for you for not sending the money as many would have. I would keep your records and notify the Consumer Protection Division of your State Attorney General s office to prevent someone who is not so vigilant...

Financing -- Loans: bank loans, home equity line, equity line of credit
home equity line, equity line of credit, home equity line of credit: Hello, To answer the question of wether your home equity line of credit is a mortgage, the answer is yes, it is a mortgage. In other words, if you d default on the line of credit, the Bank could repossess your home since you signed a note, the same as...

Financing -- Loans: contacting Americredit about car loan, americredit, loan agreement
americredit, loan agreement, delinquent: Hi Denise, It sounds like the loan is still in your husband s name (and the loan too). If he has not made the payments as promised, they will be pleased that you called them to turn in the car (with or without paperwork). They will have all the paperwork...

Financing -- Loans: 2nd home heloc, mtg, loan officer
mtg, loan officer, renovation: Hello, I m afraid in today s banking market you ll hve to wait until you sell your other home, or wait until you ve been living in the other home for approx. 6 months. Sorry I can t offer you another option, but the banks are holding tight to their money...

Financing -- Loans: Auto loan - Rolled into new loan and returned, buy here, pay here
buy here, pay here, consumer ripoffs: Sorry to hear about your ordeal. Gap insurance (or replacement value insurance) is essential (as you have discovered) for buy here pay here kinds of auto purchases. Unfortunately, due to the circumstances you describe, you will need an attorney to...

Financing -- Loans: loans, local bar association, aggressive attorney
local bar association, aggressive attorney, human perspective: I am not an attorney and this is a legal question. I would suggest that you speak with an attorney who specializes in this type of case. You may want to check your local bar association for a referral to the appropriate firm or lawyer. My guess is that...

Financing -- Loans: prime rate, wsj prime rate, prime rate changes
wsj prime rate, prime rate changes, wall street journal wsj: If your credit card rate changes with the Wall Street Journal Prime Rate (a/k/a WSJ Prime )it will be stated in your credit card agreement. I am assuming your credit card rate changes with the WSJ Prime rate. The WSJ Prime Rate is defined by The Wall...

Financing -- Loans: Applying for business credit while under personal 13, personal chapter, best bet
personal chapter, best bet, business credit: No bank taht I know of is going to approve you for credit, yet. You have a few years to go of tryuing to re-establish your credit, before a bank will likely take a chance on you. Your best bet is to go to friends and family who believe in you and trust...

Financing -- Loans: Fee Charged for Loan, original mortgage, interest on the loan
original mortgage, interest on the loan, county recorder: Hello Cindy, To answer your question; Yes he/she can, as long as you sign and recorded it with your County Recorder s Office. He/she can t make you pay the $5000 because that amount is considered Predatory Lending and not held up in a court of Law, or that...

Financing -- Loans: financing car and debt, credit card debt, principal balance
credit card debt, principal balance, credit score: To answer your question I need more information. What was the original amount of the loan? How many payments were there originally? What was the original term of the loan (how many payments)? What is the interest rate? Another simple method would...

Financing -- Loans: loan payment, mortgage calculator, interest payment
mortgage calculator, interest payment, loan payment: Hello, You can go to bankrate.com and click on mortgage calculator to find the interest payment, or you can calculate it yourself by this calculation. Input the interest rate you expect divided by 12 (for monthly payments), the total number of payments...

Financing -- Loans: Hard Money Lenders, hard money lenders, private lenders
hard money lenders, private lenders, finance company: Rashad, On this size of transaction your best opportunity for financing is utilizing a local finance company or bank in the community where the property is located. Most hard money lenders we see are looking for larger transactions. I do not specialize in...

Financing -- Loans: home loan, fha 203k loan, loan question
fha 203k loan, loan question, fha203k: Kelsey, No, you are only getting one loan with the FHA 203K. The 203K loan lets you take up your loan amount to approximately $35,000 more than what you are purchasing it for to do repairs. Hope this helps you understand a little better. Good luck.......

Financing -- Loans: refinancing, refinancing, HELOC
refinancing, HELOC, budget: Dear Leah, Thanks for directing your question my way. I love these scenarios. Honestly, you are really in a good situation to make positive changes in your financial situation. If I were you I would consider a couple of options. 1) Find a Loan Officer...

Financing -- Loans: Type of finance, educational endeavors, close but no cigar
educational endeavors, close but no cigar, colonies: I think it would be best for your educational endeavors for you to do your own research and answer the question. Your instructors would like to hear what you have learned rather than what I know. Good luck for a creative try! Or as they say in the states...

Financing -- Loans: acreage being tilled, farm loan, land loan
farm loan, land loan, home loan: Not being a home loan lender I wouldn t believe that you would have problems with a home on 10 acres. Most secondary market home loans including FHA loans will finance a home with up to 10 or 15 acres dependent upon their underwriting standards. Depending...

Financing -- Loans: Loan Guarantor, loan company, interest rate
Financing -- Loans: Loan Guarantor, loan company, interest rate, bad credit

Financing -- Loans: Getting small loan with bad credit
Financing -- Loans: Getting small loan with bad credit

Financing -- Loans: Loan Guarantor, finance, loans
finance, loans, loan default: As a Guarantor your father has made himself personally liable for this loan. Should the primary borrower default on this loan the bank would have authority to pursue your father for whatever portion of the loan he guaranteed. They cannot just step in and...

Financing -- Loans: Getting small loan with bad credit, full time job, concession trailer
full time job, concession trailer, loan with bad credit: Given your situation with your credit rating, you have very few financing options. I take it you also do not have a full-time job. You should try to find a partner where you provide the work and he provides the money and you agree to some arrangements to...

Financing -- Loans: choosing a reputable company to refinace, better business bureau, dept of finance
better business bureau, dept of finance, market value of my home: Hi, Yes, you can always check with your State s Department of Real Estate, Dept. of Finance, Fair Housing Administration and the Better Business Bureau. I would check with at least two of the above organizations if you have worries. Thanks, and good...

Financing -- Loans: Insurance Financial Guarantee bond Loan?, mono line, line carriers
Financing -- Loans: Insurance Financial Guarantee bond Loan?, mono line, line carriers, financial guarantee

Financing -- Loans: foreclosure vs. loan modification, banks, banking
banks, banking, comunity banks: These are interesting times, indeed... If your lender is a community bank or a credit union, there is probably more flexibility to to work with a delinquent borrower, than a large, money center bank. These large banks often have HQ s based in a remote...

Financing -- Loans: Insurance Financial Guarantee bond Loan?, fraud
fraud: OK, some tough love... There are two ways this could end: 1. One, you end up wasting your time and not getting compensated for it; or, 2. Two, you find a mark , who gets ripped off or is almost ripped off and he or she turns you in to the...

Financing -- Loans: Auto finance co-signer, finance papers, nasty note
finance papers, nasty note, finance co: Mazda American does not HAVE to take your mother off the note if they believe that by doing so they incur a higher risk that the loan will not be re-paid. With her being 83 years old, they may be thinking that the car could be paid off in the estate when...

Financing -- Loans: business loans with LLC, LLC, bad credit
LLC, bad credit, business loan: Essentially, no. You can t create an LLC and ask the bank to take comfort in a new LLC without any history or presumably any assets and ask them to make you loan, ignoring your personal credit score and history. Not necessarily screwed, though. Yes,...

Financing -- Loans: Finance loans, per diem, google
Financing -- Loans: Finance loans, per diem, google, state of california

Financing -- Loans: Finance loans, carfinco, fraud
carfinco, fraud, unfair: A Car Buyer s Bill of Rights FFVR 35 was passed in Ontario Canada. I would call the people at the bottom of this notice and see if they can assist you. Good luck. A new law establishing the Car Buyer s Bill of Rights substantially impacts the purchase...

Financing -- Loans: i can no longer afford my car payments, but i am not past due...., delinquent, car loan
delinquent, car loan, surrender: I am so very sorry to hear about your situation. However, today there are millions of people in your same predicament. First, by all means attach a name, a voice, a face and a story to your delinquency notice , e.g. try to personalize your situation with...

Financing -- Loans: a paid off business loan, seller financing, paid off notes
seller financing, paid off notes: Margaret, Since you are holding all the cards (e.g. your loan has been re-paid and you are owed nothing more from the buyer), you have nothing at risk. I would simply mark the note PAID IN FULL , sign it and send a letter indicating that your borrowers...

Financing -- Loans: repos, carfinco, unfair
carfinco, unfair, beware: I have had so many complaints about CARFINCO!! Tell anyone and everyone not to use them!! Call the authorities (see below) on them and report their actions. Good luck. A new law establishing the Car Buyer s Bill of Rights substantially impacts the...

Financing -- Loans: Student loan, bank error, student loans
bank error, student loans, bank mistake: Pride yourself on doing the right thing! Ignore your friend. The financial institution would have probably figured out their error eventually and corrected it. What probably happened is that they credited someone else s payment to your account and it...

Financing -- Loans: carfinco but out??, carfinco, scams
carfinco, scams, unfair: Dear Dan, Without seeing your contract, there is no way of being certain of interest rates, penalties, prepayment options, etc. However, based solely on the information you provided to me, it appears that based on your representation that today s loan...

Financing -- Loans: Carfinko, carfinco, voluntary repossession
carfinco, voluntary repossession, default: OK, first I am not familiar with Canadian law. Secondly, some of this information may be on your contract. Thirdly, I would certainly ask about their procedures prior to simply giving them the car. Ask them what specific charges you are gong to incur and...

Financing -- Loans: carfinco but out??, high interest rate, carfinco
Financing -- Loans: carfinco but out??, high interest rate, carfinco, lender of last resort

Financing -- Loans: 2nd mortgage with Chase, consumer protection agency, bankruptcy code
consumer protection agency, bankruptcy code, bankruptcy protection: What state is your home located? Do you owe more on the home than it is worth? Have you contacted your State s Attorney General or Consumer Protection Agency? Depending on where you live, you may find there is an agency to assist you with the Bank. Otherwise,...

Financing -- Loans: commercial property and refinance, Business owner finance, creative finance
Business owner finance, creative finance, growth capital: Today, it seems everyone in business is struggling for growth capital. My suggestion is to develop alternative sources of capital. Specifically, friends and family. If they trust and believe in you and are comfortable with the values on the properties,...

Financing -- Loans: Loan, loan company, interest rate
Financing -- Loans: Loan, loan company, interest rate, bad credit

Financing -- Loans: offering financing to my customers, start ups, large corporations
Financing -- Loans: offering financing to my customers, start ups, large corporations, account rep

Financing -- Loans: Loan, late payments, savings account
late payments, savings account, installments: I suggest you go first to the bank where you have your savings account and request to borrow against it. Generally the interest rate will only be one or two percent above the interest rate you are being paid on your savings account. I also suggest the...

Financing -- Loans: offering financing to my customers, financing, business
financing, business, capital for expansion: Yours is a common complaintthese days amongst small business men - no availability of credit to expand their business. You may want to try your local bank or credit union to see if they might be willing to provide financing to your customers, for their...

Financing -- Loans: Bonds, goldman sachs, government debt
goldman sachs, government debt, mgt: I was told by a WS source that, yes, GS gets paid a commission, but I have not been able to find a second source to confirm. Here is a great link for some insight into the ties between Goldman Sachs and the government. http://www.mgt.unm.edu/news/pdf/banking/MGMT573Goldman.pdf...

Financing -- Loans: Funding a small business, operating a small business, starting my own business
operating a small business, starting my own business, getting a loan: Before thoughts about money or business plan, you need to assess your strengths, passions, skills, interests, expertise and decide what business it is in which you really want to succeed. So many people fail because they find themselves in a business...

Financing -- Loans: Mortgage Bank Credibility, better business bureau, orrin gordon
better business bureau, orrin gordon, valley national bank: Orrin, As long as your loan-to-value is below 80%, there should no be a problem with the bank to exclude escrows! The Bank can, and most likely, will increase your interest rate by 1/3 of a percentage if you elect not to set up an escrow fund. If you...

Financing -- Loans: Car Loan Payoff, loan payoff, small portion
loan payoff, small portion, financial institution: It sounds contrarian, but generally, the more you can borrow, especially if you only utilize a small portion of the available outstanding line, AND, you keep paymentgs current, the higher the score. Since the rate is only 2.9%, I would keep paying until...

Financing -- Loans: Car Loan Payoff, credit card balances, loan payoff
credit card balances, loan payoff, credit score: Jona, There is no benefit to you to keep paying on the car loan, once you get about a 760 credit score, these types of loans don t increase your credit rating. The only thing at this stage of your rating is keeping your credit card balances below 33% of...

Financing -- Loans: Inventory financing, trust receipts, private lenders
trust receipts, private lenders, angel investors: These are practical in theory. The real difference will be the exact terms and conditions of the loan. Try to stay with a bank. Even go to a credit union to see if they can assist. Finance companies will almost always be more expensive. Try to...

Financing -- Loans: Pushed into being a Cosigner of a Loan, loan question, cosigner
loan question, cosigner, financial burden: Since the bank was not aware of your illness, and no doctor is willing to state you did not know what you are doing, you will likely be stuck with paying the loan. You can sue the person who took advantage of your illness, but my bet is this person has nothing...

Financing -- Loans: bank loan, vehicle loan, cosigner
vehicle loan, cosigner, illegal act: Take action, go to the Bank and report the forgery. It could mean their mother could be charge with a criminal offense (defrauding a federally insured institution) and even go to jail. If you wait on the outcome of the loan, you might find you have waived...

Financing -- Loans: Home Equity versus 401K, tax ramifications, home equity loan
tax ramifications, home equity loan, 401k loan: iF YOU PAY IT BACK TO YOUR 401k WITHIN THE REQUIRED TIME, THERE ARE NO ADVERSE TAX RAMIFICATIONS. IF YOU FAIL TO PAY IT BACK AS REQUIRED YOU PAY A TAX PENALTY PLUS REGULAR INCOME TAXES ON THE AMOUNT WITHDRAWN. I THINK IT IS SMART TO TAKE THE 401k LOAN IF...

Financing -- Loans: Project Finance, substantial assets, feasibility studies
substantial assets, feasibility studies, project finance: If you are seriously considering funding a new refinery, then you must already have substantial assets and a good banking relationship. Simply ask your bank for recommendations. If you have neither substantial assets or a good, present relationship...

Financing -- Loans: Auto loans, buy here pay here car lot, looking to buy a car
buy here pay here car lot, looking to buy a car, decent car: Convenience vs cost.... Sure, you can get a car and financing at a buy here, pay here car lot. But it cones at a high price. The dealers buy cars cheaply at auctions, get them barely running, double the price, and then charge 18% to 30% interest to...

Financing -- Loans: Consulting work, gullible fools, home equity loan
gullible fools, home equity loan, angel investors: This is the time where you and your group sit down and decide if you really believe in what you are doing or are you simply looking for a get quick rich scheme. In other words, has some individual promised you that if you only hire his or her services to...

Financing -- Loans: Disputing a loan that never happen, regulatory agency, payday loan
regulatory agency, payday loan, money: Debbie, Your question is outside my area of expertise however I would suggest you ask for documentation from the law firm that shows you signed for a loan. If they cannot provide you with documentation and continue to contact you, I would report them to...

Financing -- Loans: Student Loans, repayment option
Financing -- Loans: Student Loans, repayment option

Financing -- Loans: Re paying loans, wachovia bank, principal balance
wachovia bank, principal balance, wachovia: Sabina, I think your question concerns the application of the payment toward either the interest charged on the loan or the reduction of the principal(not premium) balance. After receiving your payment, the bank will first deduct any interest due under...

Financing -- Loans: Student Loans, student loans
student loans: Lucy, Something does not compute... You did not state the term of the loan nor whether the note was a balloon payment. For example: At a 60 month term, principal balance of $64,015.00, 7.0% interest rate, $278.00 a month, won t even amortize your...

Financing -- Loans: Car buying, loan interest rates, lean times
loan interest rates, lean times, money in the bank: If you can be trusted to have money in the bank and not blow it on frivolous purchases, then buy a car, but only put 10 to 20% down. Put the rest of the money in your bank for an emergency fund. Your credit score is most impacted by payments being made...

Financing -- Loans: FHA - Farm Income/Loss, home loan lender, fha guidelines
home loan lender, fha guidelines, personal consumption: David, I am not certain on FHA guidelines. However, my suggestion to you would be to survey out the home and 10 to 20 acres depending upon the maximum acreage that your home loan lender would allow and obtain a loan just on this portion of the property. ...

Financing -- Loans: Real Estate Loans?, sba loans, real estate loans
sba loans, real estate loans, estate experience: Why the interest in buying into a real estate firm? You do not sound like you have much business experience, let alone real estate experience... SBA loans can be a good thing, but it depends on your circumstance. Any bank that offers SBA lending (you...

Financing -- Loans: Replace Amex Credit Card?, amex credit card, amex card
amex credit card, amex card, financial emergencies: Unfortunately, no one can eliminate unforseen financial emergencies. My advice is to keep the credit you have already established and earned. So many people are having their credit lines reduced or eliminated. As the old saying goes, you don t konw...

Financing -- Loans: Replace credit card?, travel rewards, credit score
travel rewards, credit score, loan officer: Hello Jona, When you close a credit card your credit score is effected. If you already have a high credit score, this shouldn t be a problem. If you don t have a high credit score, then it will go down, but you should worry about that, unless you plan on...

Financing -- Loans: Where can I get help?, fraud, scam
fraud, scam, free money: Dear Wayne, This is most probably, and in my mind, undoubtedly a fraud. This same scenario is played out all over the world by crooksters. (Were there any typos in the message or bad grammar, usually a glaring tip-off.) If, and I say if very skeptically,...

Financing -- Loans: loan, chapter 7 bankruptcy, giving me a hard time
chapter 7 bankruptcy, giving me a hard time, applying for a personal loan: Hello, Q1) I do not know of any loan that you would qualify for, sorry.... :( Q2) Yes, you can leave the US without paying off the debt. My question to you would be this; why not just file for a Chapter 7 Bankruptcy and eliminate the debt totally? That...

Financing -- Loans: FHA farm financing, farm loan, land loan
farm loan, land loan, hobby farm: This has become more of an issue with Underwriters even in traditional standard home loans. There is not a known definition as far as I am aware as to what defines it being a working farm other than if the borrower files a Schedule F . The only other option...

Financing -- Loans: Problem on Credit Report, claims case, mortgage lender
claims case, mortgage lender, small claims: Hello, If you have the documentation showing the Judgment was paid in full, then you need to tell the County to notify the 3 Credit Bureaus that this has been satisfied and to record it as satisfied and put a date when this was done on your credit report....

Financing -- Loans: Getting refi deposit back after revised GFE, value percentage, agenc
value percentage, agenc, fico scores: Hello again, The only option you have is to contact your State s Attorney General s office and the Dept of Real Estate and lodge a complaint. Tell them you did not authorize a change in Fees, and because of a 1% increase in loan-to-value, but still under...

Financing -- Loans: title loan interest reate, consumer fraud, title loans
consumer fraud, title loans, usury: http://www.azag.gov/consumer/complaintformintro.html Go to the website above and file a complaint with the Arizona Attorney General office. In the future, never, never sign any contract without first reading AND understanding all the terms. Good luck...

Financing -- Loans: insurance for banks, insurance for banks, bank losses
insurance for banks, bank losses, bank failure: Ricky, Great question. The answer is no. There is no insurance for bad loans that the bank makes. In a healthy financial institution, losses that the bank incurs from a bad loan, get charged to an account (Loan Loss reserves) which is supposed...

Financing -- Loans: Disability Canada Student loan Discharge, student loan borrowers, canada student loan
student loan borrowers, canada student loan, secondary educational institution: 20. Q. How does the Repayment Assistance Plan help student loan borrowers with permanent disabilities? A. Repayment assistance is available under the Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD). Under RAP-PD, eligible...

Financing -- Loans: start up business loan for trucking company, mc number, title loan
Financing -- Loans: start up business loan for trucking company, mc number, title loan, insurance

Financing -- Loans: start up business loan for trucking company, truck, trailer
truck, trailer, finance: OK, I get this question a lot - that is, where can I go if the traditional lending institutions (e.g. banks, credit unions, thrifts) won t lend me money. Let s take the trailer issue first: Find a company (used trailer dealer# or individual who has a...

Financing -- Loans: loan, farm loan, land loan
farm loan, land loan, missouri farm loan: Typically to obtain this type of farm loan you are looking at having to make a 20 to 30% down payment at the time of closing. Sounds as though you have explored the FSA options which do have the most attractive terms for someone like yourself due to the lesser...

Financing -- Loans: student loan consolidation, student loans, friends and family
student loans, friends and family, lower monthly college loan payments: Unfortunately, you find yourself in the same financial trap that so many college students and graduates have fallen in. I have personal experience with this as my children s friends are also struggling and seeking guidance. It seems that the issue...

Financing -- Loans: Credit cards and the loan process, credit hold, refinance
credit hold, refinance, bank lending: This is really going to be fact specific and lender specific... Depending on why there is a hold, for what purpose, whether this answer sounds legitimate, and whether the Bank takes issue with the hold, is all going to affect the credit decision. Sit...

Financing -- Loans: What are my options of getting a personal loan for 4K, les scwab, dodge caravan
les scwab, dodge caravan, vacation loan: Nhemo, I understand everyone s need for some downtime and a vacation. However, that said, choices have to be weighed and made, carefully. You probably will not like my answer, but you cannot afford to take a $4,000 vacation. Stay home, plan a picnic,...

Financing -- Loans: auto loan, opportunity cost, loan payoff
opportunity cost, loan payoff, car finance: Based on your information: Your pay off balance today is: $24,873.09 If you pay $10,000, then your reduced balance is $14,873.09 If you keep making payments of $497.95 each month, then you will pay off your balance in 31.6 months, saving 23.4 payments...

Financing -- Loans: Add-On Interest Rate-Calculation Method, add on, interest
add on, interest, usury: Bobbie: Due to the use of weekly payments, it is more difficult to determine an actual simple interest rate. For example, is 70 weeks: a. 70 weeks times 7 days or 490 days, divided by 30, to equal 16.33 weeks??; or, b. 70 weeks divided by 4 weeks,...

Financing -- Loans: Auto financing, buy here, pay here
buy here, pay here, carlot: Your ability to avoid the contract could depend upon a number of factors including (a) how many days have elapsed since signing the contract, (b) the state laws affecting consumer contracts in your state, (c) the timeframe set for completion of the sale, (d)...

Financing -- Loans: Auto Loan Contract, garnishee, car loan
garnishee, car loan, default: Dayle, You have enough going on here that you need an attorney and get one fast. Usually you only have 5 years to bring a suit, however, there may be extenuating circumstances here that can get you a hearing. Sorry, but your case will require an understanding...

Financing -- Loans: paying back a loan to obtain a credit rating, buy here pay here, usury
buy here pay here, usury, car loan: First, be very careful where you finance this car... NEVER PURCHASE OR FINANCE A CAR FROM A BUY HERE-PAY HERE dealership. Unless you are buying a new car, with discounted interest rates (say 0%, 1% or 2%) from FORD CREDIT or GMAC CREDIT or TOYOTA CREDIT,...

Financing -- Loans: loan, fairness opinion, assets
fairness opinion, assets, corporation: Alright, still a little confusing, but: You may be able to contribute the assets (or the value of the assets) as your additional investment or equity contribution to the company. Alternatively, you may be able to have your company buy your personal...

Financing -- Loans: Loan Repayment, fiat currency, loan duration
fiat currency, loan duration, gold eagles: Interesting circumstance... You do not state the nature of what the loan is securing, so I will assume that it is a mortgage of some real property, and that the value of the real property is equal to the value of the real estate. Also, from your name...

Financing -- Loans: commercial bank lenders liability, forbearance agreement, yr balloon
forbearance agreement, yr balloon, bank lenders: Jayne, thank you for taking the time to ask your question and I am sorry you have suffered all that you have. As you explain it, I would say that some of what has taken place is not legal. While I can make a general statement based upon your explanation any...

Financing -- Loans: loans, usury laws, virginia loans
usury laws, virginia loans, commonwealth of virginia: It could be a problem, as it appears to be in excess of the Statutory Usury Rate. If you are concerned or if you believe that the borrower may be litigious, I would try to talk to a local attorney specializing in lending. Just a reminder for the future,...

Financing -- Loans: Equipment Loan
Mr. Yung, If the company has any business loans the lender most likely has filed a lien on all the assets of the company and if there is it will most likely include the printing equipment. If the printing equipment is free and clear of any liens then you...

Financing -- Loans: Loan Debt
Hello, I am sorry you are having difficulties refinancing your RV. I do not know anyone who does those types of loans, but if your home is paid off you should be about to do a home mortgage to pay the RV off, assuming you want to keep it and you have enough...

Financing -- Loans: Foreign Currency Exchange Feature within Remote Banking., foreign currency exchange, automated teller machine
foreign currency exchange, automated teller machine, current exchange rate: I would need more information to give you a more detailed reply. However, these are my thoughts: I would think that the ATM would necessarily need to be a single currency issuer, that is you would not be able to deposit or retrieve more that a single...

Financing -- Loans: Home Equity Loan Question, equity loan question, fixed rate loan
equity loan question, fixed rate loan, home equity line: If I follow your question, and you simply want to refinance the house to pay off the home equity line of credit (HELOC), that is exactly what I would do. I would suggest either at least a 15 year, but consider a 25 or 30 year, conventional mortgage, at...

Financing -- Loans: Real Estate Help, real estate investor, self research
real estate investor, self research, sorry in advance: Randy, From everything you ve told me in you note, there should be no reason you can t buy at least 3 more properties, as long as you have the 20% to 25% down payment that the banks are asking for on an investment finance and your debt-to-income is no higher...

Financing -- Loans: Real Estate Purchase Help, home loan lender, account verification
home loan lender, account verification, home loans: Randy, Sorry I do not specialize in home loans. What I would do is have your brother go ahead and loan you the money so that you could verify to your home loan lender that it is in your account and the funds are available to complete the repairs. This instance...

Financing -- Loans: student loans, franny, free tuition
franny, free tuition, prepayment penalty: Dear Franny, This is a difficult decision and not to be taken lightly. To answer one question directly, yes, i think $621 is too much for you to handle right now. However, a couple things I don t know. What are the interest rates of each program?...

Financing -- Loans: Car Loans, car loans, free time
car loans, free time, car loan: I already told you in my first email that I thought the car cost too much for your income. no more than $5,000 I have given you my best advice, but it appears that you only want to be critical of me and my thoughts. Do as you please and good luck...

Financing -- Loans: Financing real estate investments, real estate investments, financing real estate
real estate investments, financing real estate, personal name: Scott, You need to talk with your Accountant/CPA or your Lawyer to see if that can be done, but I m sure you can t finance residential properties under a business name. One thing I m going to make you aware of though; there are only a few banks out there...

Financing -- Loans: Owner financed mortgage?, irs purposes, principle balance
irs purposes, principle balance, owner financed mortgage: Hi Rich, My advise would be to do nothing, or this might void the original contract. One thing you could do is to apply the overage to the principle balance,thereby they would pay the home off sooner than the 10 years you agreed to. Hope that helps you...

Financing -- Loans: Social Security Number., federal employer identification, bank debit card
federal employer identification, bank debit card, federal employer identification number: Answers to your questions in order: 1. In the US all individuals filing tax returns must reference their SS number, business entities an FEIN (Federal Employer Identification Number), or a TIN which is generally used by foreign nationals or foreign corporations...

Financing -- Loans: Social Security Number., bank debit card, income tax returns
bank debit card, income tax returns, filing income tax returns: In a practical sense, sure, it would provide some measure of additional security to to assist in the prevention of identity theft and SSN card forgery. This raises issues, of course, personal and invasion of privacy issues, government over-reach, etc....

Financing -- Loans: How much bank will give me ....., loan proceeds, money bank
loan proceeds, money bank, spending money: The amount of money you can borrow will depend on the bank, their comfort with you as a borrower, the perceived risk of your income not continuing as its current level, the strength of your company, the purpose and use of the loan proceeds. In short,...

Financing -- Loans: Company Wants My Invention, angel investors, professional investors
angel investors, professional investors, personal finances: At this point you will need to decide how much you trust this part company, and what percentage of your company you want to give up in return for the necessary upfront capital to get your business launched. You should also be having this conversation with...

Financing -- Loans: Question about banks....., sum of money, federal reserve
sum of money, federal reserve, banks: Banks hold considerable amounts of cash in reserve to accommodate such requests. If you wanted to withdraw a large sum of money that exceeded the bank s on hand reserves, then they would simply contact the Federal Reserve, who would return to the bank...

Financing -- Loans: Re-Financing, escrow fees, current interest rate
escrow fees, current interest rate, fha loan: Hello again, Those closing cost sound about right for a loan in NY, but you have to figure out how long it s going to take you to recover the closing cost by the monthly savings you are going to get. EX: if you are saving $200 a month ($7300 / $2400...

Financing -- Loans: Loan, harp program, credit unions
harp program, credit unions, loan processor: Kim, Yes, you should inform your loan officer about the missing credit card ASAP. As for why it s not showing on your credit; the card is most likely from a credit union, is my best guess. A lot of times, credit unions don t report to the credit bureaus....

Financing -- Loans: Loan app, personal credit history, harp program
personal credit history, harp program, business credit card: You have a very valid question but probably not a huge cause for concern. While you may have a credit card out there with a $4,300 balance, only the monthly payment that would be reported to the credit agencies is generally used for debt to income (DTI) calculations....

Financing -- Loans: Business account credit/Loan, loans, financing
loans, financing, land loan: I believe you are asking will your request for a new loan have stronger merit if your bank account has greater activity within the account. If this is your business account and it reflects greater sales and a stronger cash flow I would tell you that yes this...

Financing -- Loans: House vs. Investment?, mortgage principal, loan officer
mortgage principal, loan officer, fixed rate: Joel, I would invest somewhere else and not put it on my mortgage. What I would do in regard to the mortgage is; take your payment and divide it by 12 and take that number plus $50 and apply it to your mortgage principal every month. If you do that you...

Financing -- Loans: Wireless Credit Card Billing Machines for Transport Sector., credit card billing, credit card terminal
credit card billing, credit card terminal, billing machines: Yes, they are already being marketed - see below for just one vendor... Transportation Wireless Credit Card Processing for Taxis and Limousine Services Since we installed Mobilescape in every one of our cabs and limos, our business has just run...

Financing -- Loans: Loan consolidation, proper due diligence, fico credit scores
proper due diligence, fico credit scores, credit card debt: Hi Tanya, While I am not a residential mortgage professional, I can offer some pointers that will hopefully be useful. Even with the recent equity erosion in the housing market, you may still have significant equity built(over 65% LTV)in your property and...

Financing -- Loans: question about a loan, financial advice, hints
financial advice, hints, tips: OK, first you should always be truthful with the banks, in fact, it is a federal crime to lie to them to obtain a loan fraudulently. However, let s say that you want to improve your home and those little things actually add value to your house. That is...

Financing -- Loans: when to refinance, high interest rate, point answer
high interest rate, point answer, pin point: Hello Tanya, Yes, absolutely it s to your advantage to pay off high interest rate credit card through a cash out refinance. You can borrow up to 80% of the value of your home on a conventional, 85% on an FHA and 90% on a VA loan. FYI thought, I would advise...

Financing -- Loans: Student Loan Consolidation, student loan, student loan advice
student loan, student loan advice: Joelle, You actually sound like you are better versed on this than me. I would go to a bank that offers student loans and ask them for some advice. You may need to go to several, because this is an esoteric and not well understood area of bank lending....

Financing -- Loans: Unconventional loan?, loan, business loan
loan, business loan, unconventional: There are a number of companies that do unconventional loans. What is the purpose of the loan - home mortgage, small personal loan or business needs? If business needs please identify type of business-i.e. industry and if you have been in business for a...

Financing -- Loans: Unconventional loan, hard money lender, getting a loan
hard money lender, getting a loan, capital group: Hello, The only place I know is a place called ATHAS Capital Group, but the interest rate would be real high, as they are a hard money Lender. If you want to talk with someone, you could call Patrick Delbuck at 877-877-1477 ext 205 and see what he might...

Financing -- Loans: Unconventional Loans?, starting my own business, getting a loan
starting my own business, getting a loan, unconventional loans: Susan, You are not alone, there are many folks in the same situation, today. Unfortunately, bankers have been trained to look at your situation and tell you that you do not qualify for a loan. However, you may be able to go the friends and family,...

Financing -- Loans: loan, land loan, farm loan
land loan, farm loan, financing: I m wondering why FSA turned down your application. Obviously, you have to be able to show repayment ability no matter where you borrow the proceeds but if you are employed or have other income to be able to do so being a full time student should not impact...

Financing -- Loans: Security measures for Safe Deposit Locker Facilities.
Important Update: Changes in FDIC Deposit Insurance Coverage The FDIC deposit insurance rules have undergone a series of changes starting in the fall of 2008. As a result, certain previously published information related to FDIC insurance coverage may not...

Financing -- Loans: Security measures for Safe Deposit Locker Facilities., banking, finance
banking, finance: I would believe that the bank would be responsible for providing insurance for contents kept within the safety deposit box. I m sure each bank has a different policy that may have different limitations and types of coverage. I believe that any type of insurance...

Financing -- Loans: Loan Agreement
Sorry, you have asked for legal advice and I am not an attorney, nor allowed to give such. An opinion, is you seek an attorney s advice. Also, you can get notes off the internet. Lastly, it doesn t matter is he is your brother. Raise the interest...

Financing -- Loans: pre-qualification letter
I am so sorry to hear about your situation. Unfortunately, banks have been doing this to many folks that I hear about, including a buyer for one of my properties. Don t believe you have any recourse against the bank, due to weasel language in the commitment...

Financing -- Loans: Personal Credit with Multiple Owners - Small Business Loan
ANSWER: Yes, your partners can apply for a loan and keep you off the application. If your partners will accept you, and you re credit as a legitimate partner in this deal. Then, have them borrow 100% of the funds and you sign a note pledging your...

Financing -- Loans: Query., Loans, Finance
Loans, Finance, Banking: The freelance opportunities that I am aware of in banking would include compliance, credit, appraisal, and internal audit exams. This work is primarily contracted to a small company or individual to come in and perform these type of services. Difficulty...

Financing -- Loans: Queston
I can think of two. You can operate as a financial intermediary (broker) who can source funds for companies or individuals seeking loans. Secondly, you can become a business broker, assisting those who want to sell their companies or individuals who...

Financing -- Loans: Business Loan for a business with ideal qualification.
Not a lot of science behind this, actually. For the most part, the bank establishes a range of loan interest rates and communicates this info to the lenders. The lenders then seek loan opportunities in the marketplace. Based on the loan officer s...

Financing -- Loans: Business Loan for a small business
Hello Rami, If you are talking about SBA guaranteed loans those are usually PRIME+2.25% to PRIME + 3.00 today. PRIME rate today is 3.25%. Yes everything is considered when determining qualifications and rate - loan amount, credit score, type of asset...

Financing -- Loans: Refinancing auto loan, refinance or not, financial analysis
refinance or not, financial analysis, new loan: Jared, OK, if you owe $12,410 and your interest rate is 6.8%, and you pay $280 per month, you only have about 51 months remaining on your loan. 1921.28 interest will be paid if you keep making payments of $280. If you refinance, for 3.9%, you will...