He doesn't have a job lined up there, but is in the Hospitality business and has had several companies ask him to interview there.

All states allow individuals to relocate while receiving unemployment compensation. The state your friend worked in is the state responsible for paying him. If he worked in Minnesota and is moving to Hawaii your friend will file an interstate unemployment claim and continue receiving unemployment from Minnesota. Your friend needs to report the change of address to unemployment and he must be able/available to work in Hawaii. If your friend is in the first 26 weeks of unemployment, Minnesota will review his claim once his benefits are exhausted and determine if an extension is available for him.

Senate Democrats now say they've reached a deal to extend unemployment benefits to almost two million Americans who could stop getting checks by the end of this year.

The plan would give an extra 14 weeks of benefits to unemployed people in all 50 states. Those in states with unemployment rates above 8.5 percent would get another six weeks on top of that.

Senate Democrats may bring the measure to a floor vote as soon as tonight. The House passed its own bill last month that would extend benefits for people only in states with unemployment above 8.5 percent.

The bills would be paid for by extending a tax on employers for another two years... so that all these extra benefit payments don't wind up adding to the deficit. Instead the money will come from the people we are counting on to create the new jobs, employers. Makes no sense.

And time is of the essence here - more than 400,000 Americans ran out of their unemployment benefits in September.

Benefits vary from state to state… starting at 26 weeks and going up to 79 weeks in those hit hardest by the recession. The average payment is about $300 a week.

The national employment rate hit 9.8 percent last month. That's a 26 year high. And it's expected to go higher into next year - even as the economy starts to recover. Estimates are there are now six workers for every available job opening.

If he moves before he's hired, Federal law requires that he notify both states. The states will coordinate on his claim. He won't lose benefits but there may be an interruption of payment for a few weeks while the states coordinate the claim.

If he's hired before the move, he will stop collecting benefits as of the date that he starts working so the move will be irrelevant to his unemployment claim.

The IRS is going by the date of marriage, so if you amend a separate return (eg, a single 2008 one), you can only claim $4000.

So, either submit TWO 1040x forms or wait until 2009. I'd wait until 2009.

At this point, wait until you do your 2009 return and put it on that return.

The turnaround for the amendment return is now averaging 20 weeks. And this will only slow when the IRS turns its gears to processing normal returns come January. The 20 weeks puts you in March. Put it on your 2009 return and you'll get it in February if that's when you file.

Going on the assumption they are both eligible for the credit, then one of the married individuals can claim the entire credit on an amended 2008 return. If one is not eligible, then both are not eligible because they were married at the time of purchase.

You can do it either way. It's probably simpler to do just one amendment - and if one spouse can't trust the other with the $8000 the marriage is in trouble.

you didn't get married or buy a house in 2008 - it has nothing to do with 2008's tax returns - there is only ONE $8000 credit per house. - you will get it when you file your 2009 tax return

You can't amend a tax return because you bought a house. You take care of it in next year's return.

i work 40 hours a month and my salary is approx £3250. it is my only job and am being taxed about £65 each month. i don't think i should be paying tax/much tax. how would i go about getting a rebate, if i'm entitled to one?

All UK citizens get a tax-free personal allowance of £6475 a year, or £540 a month. I take it amount quoted is your annual rate of pay.
How long have you been working? Did employer ask you to sign form P46 if you didn't have a form P45 from a previous employer when you started? Code BR (Basic Rate, a straight 20% deduction) should only be applied if this was a second job, where a new employee can't or won't sign a form P46, or for a foreign national who is waiting for their residency to be established. Ask employer about a form P46. A lot of employers don't get the message regarding their obligations with that form, so if you have problems contact tax office (employer/payroll can give details. Ask for a correct cumulative code number to be issued. Employer should then make any refund due with next wages.

BR stands for Basic Rate Tax and should only be used for the first few weeks of new employment - get in touch with the local tax office or see the payroll department of your job. When it's sorted you will probably get a refund.

Did you fill in a form P46 when you started? If not, get one from your employer now! If you did, get in touch with the tax office to ask for your proper code number.

I am collecting Unemployment and working at the same time. I need to do this in order to support my family and rent, I know you are not allowed to do it this way. EDD has scheduled a phone interview for tomorrow. I spoke with an EDD guy today and they said it was regarding not reporting wages, which obviously is from me working and collecting. Has anyone had a similar situation, if so what's the best bet? If I didn't need this to support my family and I was single I would just cancel the EDD but I need everything I can get. If I say I'm not working is that best? Please help asap thank you Ray..

Unemployment is for unemployed people only(thus the name).

You are required to report any wages you make while receiving this benefit. I do see your point because unemployment is so little and not nearly enough to survive off of. BUT if you are working outside of the guidelines and not reporting the income, you are commiting fraud.

EDIT: I agree with the 2 posts above mine. You will probably have to pay it back plus some fines and fees.

Deciding to cancel the future EDD benefits would not resolve this. If you collected for any week during which you worked and did not report the income for that week, then you must repay the benefit that you received for that week. In additional, there can be fines, penalties, or even criminal charges, possibly leading to arrest and incarceration. You need a lawyer.

I agree with others, you will probably made legally to pay back unemployment money received while workin + penalties, fines,ect. you'll be lucky if u don't get jail time from this. Legally you can be prosecuted for fraud.You screwed up big time and no excuse u have will justify it to the govornment.Technically you stole from the cuz its misuse of state funds.

The EDD will find out that you worked while collecting unemployment benefits. Employers file a quarterly report stating who worked and how much they made during the quarter. If you are listed as employed, the EDD will likely send a form to your employer to find our which weeks you worked.

I hope this helps.
Gary

The department will sue you, after which you will be required to repay the money you fraudulently collected, plus a hefty fine, either through a court-mandated payment or a wage garnishment. If the fraud is large enough, there will also be a stretch in jail involved.

The good news is that while you're in jail, your family will be taken care of by welfare, food stamps, and state medical.

Having a need does NOT justify doing something that is both legally and morally wrong. If I NEED a car, can I steal yours??

I would imagine that the government is going to take legal action against you to force you to repay the unemployment money you received while working. There will most likely be extra penalties & fines. You screwed up.

your reason is not good enough. you are not entitled to unemployment if working. you will need to repay it all.

this is not going to end pretty.

this is fraud and the state will finally find your overlapping income

You've lied already, apparently been caught, and now you want to try to lie again? Not a good idea . If you 'fess up, and claim you somehow misunderstood the rules, you'll probably only have to pay back what you got illegally. If you try to lie your way out of it, you'll still have to pay the money back but could also end up being prosecuted. That wouldn't help your family a lot.

Have you been out robbing gas stations because you need the money to support your family? And before you say "of course not" - how would that be different from stealing from the state unemployment fund?

Okay, So I know what I did was wrong. Not even wrong, it's beyond that. It's illegal.
Anyways, I charged almost $1000 on it.
The bank called and told my sister.
I told her I used it by accident and she said it's okay and that she'll just dispute the charges.
If she does, will the bank clear her without asking any questions?
Or will they go after me for identity theft?

Please understand that I didn't tell her the REAL story, I made up one. Saying that the website I was on just wanted it to "verify my identity" which was NOT the case. I was a lie.

I just wanna know if the credit card company will come after me?

probably not, my father-in-law disputes charges from hie credit cards all the time and some shouldn't get disputed, but he somehow always get the bank to clear it off his account.

I would tell my sister the truth if i were you.

I don't know about in your state, but in St. Louis, Missouri, the credit card company will tell your sister to make a police report, obtain a police report number, and the police department will refer her to speak with a fraud detective. I'm not trying to scare you, but I'm almost positive that the bank will press charges if the detective was to find out it was you, which is a very good possibility they will. If I were you, I would tell your sister the truth before she disputes the charges.

Your sister will have to sign an affidavit (written declaration under oath) explaining what happened.
Assuming she reports it as you told it to her, they will investigate the charges and presumably report their findings to her which will obviously be quite different than your story. You may even put her at risk if they believe she was somehow involved. You need to tell her the truth and not just because of the potential legal ramifications for both of you but because you were WRONG WRONG WRONG and it is the right thing to do. The damage you could do to your family/sister with this lie is much greater than the legal ramifications.

Both you and your sister will be guilty of fraud if she disputes charges and does not reveal you are the one who actually made the charges. The credit card company can trace where the charges were made. The credit companies are increasing fraud prosecution. They will go after you. This will then go on her credit report and on yours. A conviction will make you ineligible for many jobs.

You are an idiot. They can trace the charges back to you. You committed fraud and will have to face the consequences. You are a fool if you think the bank will clear her without investigating. You deserve everything you have coming to you. Your sister is the victim here. She is going to be so mad and hurt when she finds out the truth about you.

Well, if you used your name for whatever you bought, that's very bad for you. If they have a way to find you, they're gonna try as best as they can, and if they do find you, you AND your sister are in a lot of trouble, because to the bank it'll look like she was in on it too and that she's just trying to get out of paying the money. Good luck though.

They might. The best thing to do would be tell your sister the truth about what you did and pay it back. I've made some mistakes like that too, and seriously, worrying that they will leads to a lot of sleepless nights. Resolve it now by telling the truth, and working it out with the company to pay it back.

There's a good chance they will track it back to you. It's not like it was fifty bucks or something. An amount that large will raise some eyebrows and probably warrant an investigation.If they don't link it back to you they will more than likely hold your sister liable for those charges while the dispute is processed.

You should be ok, they may investigate it to see that it was not her, but that is about as far as they should go. They may see you in cameras if you did it at stores, but that's about it. Your sister will make the ultimate decision if she wants to press charges on you.

The credit card company will not come after you. If anyone were to come after you, it would be the police for stealing the card in the first place.

So, not only are YOU a thief/criminal, your sister is too!

Wow! Runs in the family I guess!

They will investigate the dispute...and it will be like breadcrumbs right back to you.

You could get yourself in a really big trouble my friend. Just pay your sister whatever you spent so she wouldnt be disputing the charges. That way the bank doenst get involved and end of story.

No don't worry about it, unless your sister presses charges your fine and i doubt she'll do that :)

keep your mouth shut and keep your cool. everything should be fine. unless you're over 18...

Well probably not. but how did she believe you if you said you didnt meen to and how did you spend $1000!

How do you use a credit card by accident? Do you have a credit card that looks just like it? I can't believe your sister believed you.

In any case, you probably won't be charged with identity theft unless your sister goes after you.

She's going to have a pretty tough time trying to dispute $1000 especially since she had the card in her possession beforehand. She can say that she lost her card but even then she may be charged partially. I'm not really sure how that works but that's a lot of money to dispute.

She will probably also get a lower credit rating. Everything you do with your credit card affects your rating even if it wasn't your fault.

Now back to you. If you have any sort of conscience, which I think you do because you wouldn't have asked this question otherwise, tell your sister what you did. She may be angry with you for a while but eventually she'll probably forgive you. You can work on repaying her in the meantime. It is your debt after all.

Nope.... You are safe...

How old are you btw?

I work 42 hours a week, but I'm a temp so I only make 8.50 an hour. I'm trying to pay off my car before it snows so I need to pay it off by like the 2nd week of November. I make 287 a week and owe 1300. Any ideas on how to make some quick extra cash. Good ideas, nothing illegal, I don't want prostitution or stripper comments please.

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sell some old crap on ebay!

I have a credit card with Capital One. My payments are due on the 19th of every month. I made it a point not that long ago to log on my computer ONLY to pay my credit card billl. And I paid more than the minimum. Now I log onto my Capital One account and I have a late fee of $40. I checked my bank account and my payment never went through, but I remember the Capital One site saying it had posted... but I don't have record of it, because I had never had any problems with it before.

I KNOW that I paid my bill on time. What is going on here? I have never been late on a payment, do you think I could get the $40 fee removed?

Call Capital One as soon as possible. Use the number on the back of your card. Tell them exactly what you just posted here. Normally most card companies will look at your past history and if clean or even spotless like yours they will waive the fee with no negative impact to you.

You must do this sooner then later though! Call them now!

Good Luck

Did you get an automatic response sent to your e-mail confirming your payment? I have Capital One and they always send a confirmation e-mail saying that you have made a payment or scheduled a payment to occur on such a day. If you don't have proof that you paid the bill such as saving the confirmation sheet as a word document then you would owe this late fee. If you have not been late before usually they will waive the first late fee if you have made the payment that is late.

Without any PROOF that you actually paid the bill on time, it will be nearly impossible for you to get that removed. When you pay your bills online, Capital One gives you a screen with a confirmation on it. The directions on that page say to print this page out for your records. Had you done that, you would have an excellent chance of fighting that charge. No one can help it if you do not follow directions.

To respond to your comment to Ryan: What I do, which does not require a printer, is to copy and paste the text (of the screen that says the payment has posted) into an e-mail and send the e-mail to myself. That way, I have a dated record and do not need to use a printer or waste paper.

I've seen a lot of these complaints on here lately.

If you play with snakes you will get bit. You got bit.

With the new laws taking effect in Feb. credit cards need to make the money back that they will be losing. Don't be surprised to see annual fees next yr.

I know there's usually no tax on an inheritance in California but this is so large a sum, I'm wondering what it will be

If you inherited the land and it was valued at $5 million when you inherited it, then you have a basis "cost" of $5 million for the land. When you inherit property, you receive a "stepped up" basis to the value of the property on the day that the person who left it to you died. It doesn't matter what the deceased basis cost was, you basis is stepped up to the present day value. If you later sell the property for more than your stepped up basis cost, then you will owe Capital Gains Tax on the amount over the basis cost. For example, if the land was valued at $4 million when you inherited it and then you later sell the land for $5 million, you will owe Capital Gains Tax on the $1 million that the land appreciated not on the entire $5 million dollars.
The highest Federal Capital Gains Tax rate is 15% currently.
The top marginal California State Capital Gains Tax rate is 9.3% at this time.

The estate will have to pay the federal and state estate taxes before you get the property.

For the sale, you report the sale and the Date Of Death value (plus selling expenses) and if there is gain, you pay 15% for federal. California would be at ordinary income tax rates. If you live out of state, 3% will be withheld to ensure the taxes are paid.

you need to have an appraisal done at the time you r'cd this land as yours
then that is now your stepped up basis and when you sell it for the $5mil
the difference is your capital gain
no, the value you r'cd it is inheritance and not taxable

Depends on what it was worth when you inherited it.

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Don't just get the deposit amount, get the whole cost financed through a local bank and use the car for collateral.

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Have You Applied For a Loan Before..............


Thanks,
Dr Honkoh MD

Hello,


I wish to inform you that we can help you with a loan from $2,000 to $800,000.Contac us today for more information via Emal:serviceonlineloan@ymail.com

Thanks,
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Hello, I am Niketan Cambell from US,if you need loan I will advise you to contact standard loan firm they helped me with loan a week ago here is the email standard_loanfirm@live.com

The way I read it on the website, it says that if the original 20 weeks run out, those who exhaust the original 20 weeks of (Tier 1) federal benefits will automatically receive a recomputation of their total benefits payable, adding up to 13 weeks of Tier 2 federal extended benefits to their balance. What does this mean?

You have exhausted all the weeks of weeks of your first extension. The 13 weeks are a second (or third) extension, not remaining weeks of the first extension.

It is supposed to happen automatically. You should not need to do anything other than continue filing claims.

can i do this or not i am in big dilema my parents are saying it is difficult for you to cap up with both streams.

To become a long term trader you need fundamental and technical knowledge. if you can handle math well, you can be comfortable over time.
Whatever might be your background, but it takes minimum 3 to 5 years to become good trader.
My suggestion is till you are comfortable with markets; betting small amount will be safe.

professionally too young to get any job or private work.
But better to get continue science and paralley play stock mkt. these days its a good combination to have job *** business for side income.

do not enter in to the the the stock market. it is full of tens job

If you have bad credit it's probably because you haven't paid your debts in the past. Based on this information, why would anyone want to give you a loan? If you had loaned someone cash and they didn't pay you back, would you loan them more?.?.?.?.

Also, a good resource is...

http://loan.deal4-you.com

Best of luck to you.

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Hello my good people,
My name is Mr. Micheal Lancer, is a great opportunity given to me by the government to announce to you all about the financial crisis that is happen today everywhere. enough of bankruptcy and montages i am hearing all over. I have a good news for you all today, is a prevallage you met the right person. Micheal Lancer Loan Firm company. i am a legitimate and reputable money lender. with just 3% your financial status with change have words. I want to prove to everyone at there about the good i have render to people living all over the world.
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Hi,
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Brain.

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Hi.
I am mike jefry and i saw your question about needing a loan,In the internet they are a lot of scams out there.I decided to answer your question to prevent you being scammed. I got a loan of $200,000 from an EURO LOANS SERVICE and i was lucky not be scammed. Contact them at euroloanservice@live.com interest rate of .2% is simply great and easier.

God Bless

http://loan-seeker.info/bad-credit-loans/ has a list of reputable loan providers, even if you do not have the best credit.

creditreport.imess.net - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

You will have to have a co-signer to get a loan. The co-signer will have to have good credit.

Honestly its not in your best interest and it can get you in worse trouble. But if you need one you need one. Good luck.

I got a educational loan from Turkish loan.why don't you apply with them
send your application to turkishloans@yahoo.com

I also have a Deed In Lieu on my record last year, and its been a year since I've paid anything on the cards. The collections agents seem to be willing to go down to 30% of the debt. My credit is shot anyway, I'm just trying to stay out of court at this point. Is 30% a good deal, or will they go lower if I wait them out? I can't pay all of it, but I will ransack my 401K and IRAs to get this behind me and stay out of court if this is the best deal I'm going to see. Thanks.

Yes...but...this is going to create a whopping tax bill for you.

The IRS considers forgiven/settled debt to be the same as earned income...so you'd have to add $90K to your earned income and pay whatever additional taxes on that. Not all creditors issue 1099C forms for forgive debt...but most do. Assuming a 25% tax bracket (at least)...that's going to be at least $20K.

I don't think that waiting out for a better deal would be worth it....30% is a good deal. They could sue you and make having to file for Chapter 13 or 7 a reality...

I have no idea how you managed to accrue so much credit card debt but that's beside the point. Yes, 30% seems like very generous settlement but be advised: the amount they discount is considered income and therefore taxable.

Here's the deal pure and simple: Ethically, you owe them that money, 100% of it, so pay it.

If their offering you 30%, then their giving you a way out... TAKE IT!

And yes, 30% is great. GET IT IN WRITING so they can't say later that the agreement never happened!

I have read many books on finance and have never seen an offer that good.
That's usually the starting point you start haggling at to get them to charge you only 50% of your bill.
Geez - you're lucky - in a way I guess.
/

I'm not a big fan of not paying your bills but, go talk to a bankruptcy attorney. 30% sounds really high to me. Your credit is shot no matter what you do. Do Not ransack your 401K or IRA. I know the thought of court is intimidating, but go talk to an attorney. You might not even have to appear in a court room. Check it out before you decide what to do and don't feel pressured into doing anything rash. The creditors will make it sound like your going to die if you don't act right now. It's their job to get you to pay as much as soon as possible. They get a commission off whatever you pay. Remember that.

If the Collection Agencies are willing to go down that low, it might be because they know the debt is beyond the Statute of Limitations. So they figure 30% is better than nothing. If you are outside of the Statute of Limitations you can use that as an affirmative defense in court to have the suit dismissed. As a comparison a "normal" settlement is going to be in the 40%-60% range for debts that are still legally collectible. The link below will provide you a list of the Statute of Limitations for each state.

But if you do want to settle with them you will then be issued a 1099 on the settled amount. So if you have 120K and settle for about 30K you are going to have to treat the remaining 90K as unearned income and pay taxes on that. That amount alone would probably put you in a high tax bracket so you would be looking at probably a tax bill around 20K. And not paying that to the IRS is going to be a lot worse than anything the Collection Agencies can do. This is not to mention the additional taxes and penalties you will incurr by withdrawing money out of your IRA and 401K.


If the suits are a real possibility you may actually want to look at Bankruptcy. Depending on the rest of your situation you may be able to file a Chapter 7 which is a "liquidation", or a Chapter 13 which is a payment plan.

Yeah that's really good. I was able to get mine down to 40% following the advice at http://CleanCreditClinic.com. I would recommend removing negative marks, and trying to get the accounts deleted as well. You 'll want to try and re-establish credit with a secured credit card or passbook loan (i.e. "credit builder" loan) as soon as possible. The only way to repair credit is to start to responsible use it again. Keep you balances 20% or below your credit limit and pay your bills on time.

You can do even better than 30%. There is a company called Asset Protector Group and they have a program that works toward settling at 10 to 20% off your balance. The best thing to do first is read a free 35 page ebook called "How To Control Your Creditors". You can find it at a webpage called debtendnow.com It is worth the time to read and educate yourself. I also watched some funny scenes from a movie called "Maxed Out", that educates you while you watch. My friend John was in debt for $100K. He is using a program that (APG) offers that works with you until you resolve your debt by settlement.
Hope this helps.
Rob

627, 634 and 666. I want to buy a house in the beginning of next year. Is this enough credit? How can I bring my score up? I've just recently started to put things in my name... Only for a year or maybe a year 1/2 Ive been paying all bills on time. I on my credit cards (3) I even pay more than the minimum payment sometimes 100.00 extra. Anything else I can do? I have 3 cc and my cell phone in my name. Should I do anything else?

Your credit history is quite short - that's why your scores aren't higher. Just keep paying all your credit accounts on time and keep your actual-to-available debt ratio below 25%. Do not open any more accounts. "Great" credit requires a lengthy credit history.

The credit score is looking at your available credit to total credit limit. If you are above 20% it is harming your score. Above 50% it is really hurting and if maxed out(above 90%) it is killing your score. Pays these cards down below 20% before you apply for a loan. Keep paying your bills on time. If you do this your scores should come up quite a bit.

You will have a hard time getting a loan with those scores unless you have a really big down payment, stable employment and a good debt to income ratio.

Stay away from scammy 'credit repair' scams (see link below)

ManageMyScore.com may be something of use for you.

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

The online service is under $30, and discount code “Yahoo113025D” will take 25% off until November 30. That’s probably the best place to start for you. Improving your credit score will not only ensure you get approved for a loan...it'll also qualify you for better rates on the loan you get.

creditreport.imess.net - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

You can't. Don't bother. Once they noticed it was missing, they undoubtedly notified their bank, who would have cancelled the card and issued them a new one -- so the one you found isn't good any more.

If you really want to do something with it, bring it back to the issuing bank, or just throw it in a mailbox and let the post office return it to the bank it came from.

i just hand em into the bank.

and now Im still getting letters from people stating I owe them money and they are on my bankruptcy. What do I need to do?

Same thing is happening to me. In fact the creditor never stopped calling and still calls today. I was given this advice by a consumer advocate. Send a certified letter with return receipt telling them about the BK and send a copy of the discharge to them. By sending it certified you now have proof that they have notice. Be absolutely sure that they were included in the BK. If they continue to call after they receive the letter, then talk to an attorney and take action against them.

The answer below is on the referenced website. If you have a copy of the discharge you should just send it in response to the letters you are getting. Otherwise you can follow the instructions below:

What can the debtor do if a creditor attempts to collect a discharged debt after the case is concluded?

If a creditor attempts collection efforts on a discharged debt, the debtor can file a motion with the court, reporting the action and asking that the case be reopened to address the matter. The bankruptcy court will often do so to ensure that the discharge is not violated. The discharge constitutes a permanent statutory injunction prohibiting creditors from taking any action, including the filing of a lawsuit, designed to collect a discharged debt. A creditor can be sanctioned by the court for violating the discharge injunction. The normal sanction for violating the discharge injunction is civil contempt, which is often punishable by a fine.

http://diylegalinfo.com/bankruptcy_Links.html has a lot of information on bankruptcy questions, how to handle them yourself and other information.

So my grandmother died and left me a nice insurance policy. When I went to claim it the insurance company sent me a claim form and a W-7 form and a W-8BEN form.

I am told if I dont apply for an ITIN the insurance company will keep "30% tax with holding" ?

If I apply for the ITIN what are the benefits?

I am so confused and do not understand all this stuff!

Dear h: Insurance money is not taxed in the US. If the policy earned any interest that may be taxable, just like having a savings account at a bank. Since you do not have a social security number the IRS requires you to get an ITIN number. If you chose not to that is OK but then the Life Insurance company will with hold 30% and you will have to file next year to get it back. Your choice!


If the insurance company is referring to the entire pot of money as your "interest" they are incorrectly stating the issue.

This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided. Click on my profile to read more. Errol Quinn Enrolled Agent

if the insurance company is telling you this, getting the ITIN # will avoid having the 30% withheld
and since this is insurance and an inheritance it is not taxable in the US
but the insurance companies are obligated to withhold taxes

There are always delays in processing a death claim.

The interest is what is taxable at 30%, not the proceeds.

Just fill ou the form and give it to them.

First of all - credit can ruin your life unless you use it wisely.
Wise use= charge something then pay in full each month.
Anything else can ruin your credit and devastate your life.

Do you have a checking account? You need one.
Go to your bank and ask them for a secured card.
This card with good usage (paying in full), will turn into a credit card in 6 months. Pay minimums and it can take years since carrying balances means you can not pay in full and you are a risky customer.
/

So *why* do you want a credit card?

Did you buy into the idea that you need to start building a credit history?

Or do you want to be able to carry one card instead of cash all the time? If so, talk to a parent about getting a cosigned card or a secured card or talk to the bank about getting a prepaid card.

consider yourself lucky. Don't buy into the whole credit building scam.

Credit cards, along with the fico score was designed to do nothing but get and keep you in debt. That's all.

People will tell you to get a card and pay it off every month to avoid the interest. This keeps you in good standing with the credit card CO's. That's bull. Credit card Co's don't make enough money off of you if you do. Next yr they are starting to charge annual fees because of the new laws that take effect in Feb.

If you are responsible with your money and live on less than you make. If you pay as you go and save up an emergency fund. You will have money and not have to play kissy face with banks.

Of course the bankers are gonna tell you different because they make lots of money from your debt. Just look around town. There is a bank on every corner.

you have no credit cause you have no history which means you need to find a co signor or get your self a prepaid credit card

You don't need credit now. Wait till you've completed school and are working full time.

I have applied for a moblie phone contract yesterday with T Mobile over the internet and expect to be recieving the SIM over the next few days. However I am only just 18 years old and do not have a credit history, so am not entirely sure if I will pass the credit check or not. Will the company notify me if they are not going to be sending th SIM out?

By law, if a company rejects you based on information in one your credit reports, they must tell you and must send you a letter informing you of your rights to a free copy of your credit report from whichever credit reporting agency they used. You will know that you were rejected when you get this letter.

If they approve you, they do not have to tell you, but you will know when you get the SIM.

They should notify you just to be courteous. Usually a credit check like that one does not take long. Because it is not like a mortgage or credit card many mobile companies a re bit more flexible.

As an added bonus it will start your credit foundation off which to build.

A great tip would be to follow up on friday to see if your contract is finalized. Ask it like that, not if your credit is approved. If you speak with authority and are requesting contract information, you'll more likely get a positive answer.

Good Luck

If you passed, they would let you know right away. Worst case scenario, you'll have to pay a deposit with a credit card. If you want your phone right away, I'd go into a TMobile store. Good luck!

32% of Chinese Exports go to the US. If there was a slowdown in US consumer spending this would adversely affect the Chinese manufacturing industry.
Today the international economic order requires cash. And China has it. China is in an excellent position to loan the cash required (even if they too are in a bit of a recession) to restart the economic order if disturbed.

I am selling a bare acre of land on a contract for deed. the asking price is 19000. with a downpayment of 5400. How do I figure the annual payment at 6% interest

Cathy over what period is the amortization (principal to be repaid over)? 10, 20 30 years?

also how frequently are payments? annually or monthly?

if you have access to Excel you can use that.

Well for that you should see http://biznuss.net
i hope that resolve your problem keep using answers.yahoo.com

I have an interview at a grocery store in PA for this job description: Store employment associates assist store management with interviewing, hiring and orientation of all new Associates. Responsible for maintaining associate personnel files and job opportunity job postings.

I have a degree in business administration, and some HR experience. I know they will ask me how much I expect to make but I have no idea. Any ideas? Anyone do this job? How is it?

I always ask what the salary range is. I see no reason to waste my time on position that does not pay what I'm looking for. I have walked out of interviews that have not provided that basic information.

I hate that crap of them asking what you are looking for. They already KNOW what they are willing to pay. So when they don't tell you they are either playing games or hoping to low ball you if you say a lower amount.

i'm 20 yrs. old, not a student, work, and am single, and i have 3 credit cards and one debit card.

is that too much? or just right?

one credit card is to much. They are designed, like the fico score to do nothing but get and keep you in debt. They make all the rules and can change the rules at any time. They are snakes and snakes bite.

With the new laws In Feb. Credit cards will have to find new ways to make money with annual fees. check out the artical on usatoday.com.

The number of credit cards people have is not what matters, what matters is how they use them.

As long as your total usage is always below 30% and you always pay before the due dates you can have as many credit cards as you want.

People actually need 3-4 credit cars to maintain the best credit profile along with at least 2 installment loans like cars, homes, motorcycles, computers, furniture or personal loans all with good long payment history's.

It's not how many credit cards you have.
You can have 20 and still have 800+ scores.
It's how you use them.
If you carry balances you may be doing serious damange to your credit report.
Pay in full, never carry balances and enjoy perfect credit.
/

one is too much if you overuse it or carry too high a balance
as a student, you can't possibly make enough working to keep up if you carry too high a balance-especially if you lose your job

how many cc's u have depends on how u use them, yer credit experience, & ability 2 pay. if u have let's say 5 maxed out cards, & yer total debt/pmts exceed yer total income, then it's 2 much

i only have 2 credit cards and 1 debit card. you have 3 credit cards. i wouldn't get any more if i were you.

Ideally I would avoid having any debt at all unless it is for an investment - it always costs you far more in the long run otherwise

It's not too much as long as you maintain it well and avoid making any mistakes.

Pay on time, don't put debt more than 30% of total credit limit.

I am closing tomorrow on my first home. People, not the realtor told me that you should not do any cash advance or purchases with your credit card. You should also not do any loans because the banks pulls your credit report right before the closing and they don't like to see any purchases or loans. I was told today that I might have to pay something at the table tomorrow at closing. Just in case I wanted to take out 1000 from one of my credit cards in case it was more than what I have. Do you think If I do a cash advance or signature loan 2 hours before the closing that it will show up in my credit report? I've heard that the credit report does an update monthly not daily or hourly. Please let me know what you know =)

if you are looking for the best and fastest loan website, check out this site

http://best-payday-loans-usa.com/

Here you can get the best rates available for you.

Ok so i applied for a sear store card online to buy a snowblower and it was like last week like 2 weeks ago? and they said they will get back to me via email when i applied...

why is it taking so long?
and if you have one how long did you have to wait?

time to call the Sears store, and see if you have been approved.

It's necessary to research the mark comprehensively prior to filing to ensure that there is no possibility of infringing upon another party.

This entails searching the pending & registered Federal and State trademark files as well as the US National Common-Law files. Then, if clear, you can decide if you would like to file for a Federal or a State trademark.

To register a trademark, that's done either through your Secretary of State for a State trademark or the US Patent & Trademark Office for a Federal trademark.

If you are only conducting business in one state, then a State trademark is most appropriate. If you conduct (OR are planning to conduct) business in at least 2 states OR between the US & any other country, you can file for a Federal trademark.

The Federal government, USPTO, charges $325 per classification. State fees vary, from $10 to $120.

Hope that helps! I wish you much success & happiness in all your ventures!

How do people live off the dole in the UK? I read that the adult rate (over 25) of unemployment benefits payment is only £60.50 per week which seems very meagre!
In Australia the basic adult rate (over 21) is $228 per week which is £127 per week and most renters also get around $40 per week (£22) housing assistance.
That's almost impossible to survive on here though, so how do you guys in the UK live off half that much especially with prices in the UK being 2-3 times as much in Australia? Do you get extra benefits or high rates of housing assistance or something? Cheers.

hi interesting question i think u will find that the rate of housing benefit is higher here the £60 is just for food, expenses, utitilities, the rent and counciil tax is generally taken care of by the housing benefit and the amount received is dependent on the size of the family. in addition to the £60 weekly the person will receive free prescriptions, glasses, dentist treatment, refund of travel costs for hospital appointments, help with finding a job, free school meals for children, a discount on their electricity/gas with some suppliers. hope this helps.

The long term 'dolies' are not on unemployment benefit. Most typically claim incapacity benefit, housing benefit, council tax benefit, child tax credit and a host of other allowances. There is also the free dentistry, free healthcare and free prescriptions.

Furthermore, we have disability living allowance which can be up to £1200 per month.

If you can get into the system it is a bloody good life. There are also a percentage who supplement their 'meagre' income with thievery.

There are of course many people who really are poor, but these are mainly the habitual drug user fraternity.

All of these answers are fine if you rent your home - however if you own a property and, say, are made redundant, you get no help with your mortgage if you have a certain level of equity in your home ... even though it is impossible to sell any properties in the UK right now. Basically, if you have worked for years and are really deserving of the (temporary) help whilst you find a new job you get sweet f.a. Whereas if you work the system you can get a comfortable life.

Everyone is an individual when they are on the dole

My husband, 53 was made redundant in October last year and all he got was the basic JSA, however I work full time, and we were able to apply for working tax credits and child tax credits for our two sons

We basically lived off savings

Others in council housing will get housing benefit, and maybe other benefits like council tax rebate etc
Its not easy,

I think you are entitled to about 90 quid a week housing benefits if you claim full job seekers allowance and then tax credits and things like that as well. It still doesn't work out at a lot though.

Briefly.

They say that in California at least, that we can get one free credit report per year. How do I do that? tyvvm

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

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

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

normally, equifax in the United States does one free report a year, however for experian and transunion, you would have to do a free trial for a credit report service and then terminate it within a certain time frame.

https://www.annualcreditreport.com/cra/i…

http://www.annualcreditreport.com

I recently read an article about people who shelter US taxes on art sales by doing transactions using European holding companies. Does anybody know how this works? I've heard of sheltering royalties in Holland, like the Rolling Stones or U2, but how does that work for fine art?

The purchase of art is not taxable in the US.
There is capital gains tax on the SALE, no matter where the artwork is located in the world.
If a holding company buy and sells art and is a foreign corporation, there is no US tax.
However, a US citizen's ownership of a foreign company must be declared to the Dept of Tresury and is subject to IRS regulations. If the US citizen receives income from that company, it will be taxed, as US Citizens are taxed on worldwide income.
Note that the Rolling Stones and U2 are NOT US citizens.

By buying merchandise cheap and selling for at least double what they paid for the item.

From: PrettyTeddy2008

people become poor becaue they spend more than they earn, and vice versa, that simple.

It helps if you have good univesity education, like medicine or dentistry, work hard, save, invest wisely.....

People get rich by buying only what they need and save up the cash for the things they just want

Continue your education, get a real career and work for it.

You get a great education and work really hard.

Go to college, get a good job, and work and earn money

Work,work,work

Scores are http://www.creditkarma.com are free, but are used only by that website.

FICO scores are more widely used, but cost money.

If I want to know my FICO score and do not want to pay for it, is there a formula to convert my free http://www.creditkarma.com into a FICO score?

Sorry but no there is no formula to convert any other score to a true F.I.C.O. the only way to get it is to pay for it.

credit-report-free.totalh.com - try this site. I use it to monitor my credit and also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free.

My favorite place to get my FICO score is at http://www.4myscore.com. It does cost money, but you get scores from all three agencies.

I traded in my car for a truck on July 23rd. last month. it's now Aug 9th and I haven't recvd any paperwork from the new credit union. they told me it was financed, but why no paper? I keep calling my old credit union to ask if the loan has been paid off, they say no. what should i do? iv tried calling the dealership to talk with financing but no one answers in that department. no one calls me with the status of my account. is the dealership required to pay that payment since they have the car and not me? if they don't pay then what can the credit union do so that it doesnt show up on my credit report as a missed payment? help me. first time trading cars and it's a horrible experience. what should i do?

Better safe than sorry. Make the payment. Once it's sorted out at the dealership the bank will refund you the payment. Don't ruin your credit.

I've had good luck here...

http://auto.deal4-you.com

Take care.

Unfortunately, it can take a couple of weeks. That happened to me, I got a late mark on my credit, and I disputed it and they removed it (the late mark so it was all positive), so you can always do that. It can take 30-60 days for you to even get a loan statement in the mail from the new truck, so you have to wait with that.

I would also suggest writing letters to the parties involved and keeping copies so that you can show you did your due diligence, just in case there's a problem down the road.

Its just that car loans lately been a challenge to obtain recently. The websites places are good and I have heard the are a nicer experience.

My friend recently used http://auto.deal4-you.com

I thought today was October 23?

I would march myself down to that dealership. This is not the first time I have heard of a dealership NOT paying off someones trade!

don't they smell funny too....? i dunno call the consulate ask them...

Email me & I'll give you a bank account number into which you may pour your tax monies. I am telling you the truth as I am the current president of Nigeria and on your behalf will guarantee the Indonesian Revenue Service (IRS) will not expect more than a ten-year retroactive payment.
Deepest regards,
Mr. Nigerian President
Obie Wan Kenobie
and Angus

I wouldn't know, but I think Bobby's Girl has your answer, lol.

*scampering back into her cozy hole*

Become a citizen of Denmark but live in Indonesia.

I'll give you the phone number of my accountant ..... *wink*

And I can't get a bank account right now.

Also try walmart, call them up first - they might not take large amounts
/

Small check, look up check cashing services in the yellow pages.

go to a check cashing store and they will cash it for a fee

Department Of Insurance. In your state this case they will have to send you a reply to your written complaint within short period.
Call the department of insurance and do that.

Before you do that call and speak with a supervisor or manager they will talk to you and explain the situation. usually they will show you where in your policy it states that the loss is not covered or what was the problem.

You need to be more specific.

Is this your insurance company?
Do you have a claim with Nationwide, but not insured with them?
Is this auto/homeowners insurance?
Is this with the agent for Nationwide?
Did they deny a claim?

You can always file a complaint with the state insurance department where you live. Most websites have complaints you can file online.

good luck

Just write it down, and mail it in. But that's not going to do any good.

The person to complain to, that actually might HELP you, is your state insurance commissioner.

Ok, here's the thing. I have had 2 credit cards for quite a while now, I've had the one for over a year now. I never let the balances on either go above 30%, and I ALWAYS pay them in full every month. I have never seen an interest charge on either.
I am in college, and am looking to purchase a house in the next 5 years. I also am saving up to buy a brand new car. I don't like the idea of financing a car, but how beneficial would a car loan be for my credit? I know if I got one and made the payments on time, it would skyrocket my credit, but would continuing what I'm currently doing with my credit cards be enough to get my credit worthy of a mortgage?

A auto loan is one of the best things people can do to build credit period.

Scores are 90% based on the last 24-months of history so if you finance a car for 36-months and pay it off in 24-months your score will skyrocket.

Mortgage companies look for good installment payment history simple because that's what a home is.

Credit card history while generating a great score will not qualify your to buy a home.

Having purchased a new car in cash should help you get a mortgage as well. You can list it as collateral. Since you are so good at saving money, aim for a significant down payment in lieu of a significant credit history. Do you have a cell phone? That will show up on your credit report too.

Financing a car will hurt your credit from the start, but as you gradually keep making your payment on-time, it will slowly keep going up. And when 1 or more bureaus show that the car is paid off with a good payment history, it's extremely beneficial.

Back in June I financed an '08 4Runner through Toyota and even w/ a cosigner and $3,250 down, my TU FICO dove from 747 to 698. The main reason is taking on the $32K in debt. I've had the car for almost 5 months and my score has slowly crept into the 700's again w/ me making the payment on-time each month.

But yeah, when the bureau(s) show that you have had the car for awhile and you have a good payment history, it's gonna be beneficial.

It may give a little more depth to your credit history but will cause a minor hit to your credit score up front. It will give you a boost after the first year though. Financing a car could potentially cost you a lot of money in interest. It may not be worth the trade off. If you do decide to buy the car, finance only a small percentage of it. Get as big of a gap between the original loan amount and the balance as quickly as you possible can by making extra payments towards the principle.

Your best plan for buying a house in a few years would be to save up a really large down payment to avoid PMI and higher interest rates.

My husband and I were recently approved for a loan and we wanted to say we were very pleased with the mortgage broker we went through, David Palmer. He was very professional, patient and informative. When we called with a question he was always prompt on returning our call. We felt very comfortable asking questions that were not clear to us and he always was very polite with the answers. I would highly recommend him to all my friends and relatives. If I should ever need a loan in the future, I would want him to handle it. We would like to say "Thank You" David Palmer... here is there email davidpalmerloanfirm1985@gmail.com

Why doesn't he reimburse me by giving the exact number of 174.00 instead of showing that 16.25 was deducted for tax purposes?

Your employer determined that the reimbursement was a taxable benefit of your employment.

See which different items constitute a taxable benefit on the CRA website here:
http://www.cra-arc.gc.ca/tx/bsnss/tpcs/p…

If it was a exact dollar for dollar reimbursement then it should't be added to income. However if he insists that it is then get him to sign form t2200 and claim it as an employment expense. That will take care of the $174 the $16.25 will be a credit to you when you file your tax and will be added to your refund or used to offset a balance owing.

http://www.cra-arc.gc.ca/E/pbg/tf/t2200/…

Must be related to their balance sheets.

If I have 3 $10 bills and you have 1 $20 bill that doesn't make you more valuable.

You have to look at the total number of shares outstanding. Price is meaningless by itself.

This is really an investment question. Try asking over there. It could be something as simple as having more shares of stock issued.

ok so we need a tractor and i went on to craigslist found a 2006 john deere tractor for $5190 which is really good and the lady emailed me saying that she will deliver the tractor and she wants the payment through eBay Financial Department and she said that you can inspect the vechile and evrything and the you can give me the money through eBay heres what you said:We will use only eBay Vehicle Purchase Protection to complete the sale
I want the payment to be handled by eBay Financial Department. They will keep the money until you will receive and inspect the car. You will have 7 days of inspection period. If the tractor is not like described you will have to ship it back on my expense and they will give you a full refund. This way, you will be able to inspect the vehicle before committing to buy it


thats what she said what do u think.

Sounds like buyer protection just like Paypal.
However, get it in writing, take lot of pictures of the tractor so you have proof that there was either somthing wrong OR not if you where to return it.

I am not aware of the system that works the NHS, but what if The insurance companies, and drug companies are made to donate a percentage of their profits into the Healthcare system? Sort of like a tax for very large and very profitable companies?

After all it is them that make the health system expensive.

The NHS in Britain, apparently, would run like a dream if it wasn't for drug companies charging so much for their drugs.

Health insurance companies and drug companies will be made to donate.
Under the new plan they will be taxed special taxes = donation.
I am afraid that in turn - they will just pass on these costs to the consumer.

The only way I see out of this is to take baby steps.
Give everyone free catastrophic health insurance (ex: $5,000 deductible). This will keep many families from declaring bankruptcy, and I think the goverment may be able to afford it without selling our soul to China which already owns 45% of our treasury notes.
If familes or individuals want extra coverage for that 5,000, they could get it on their own through insurance companies.
/

You're making the same mistaken assumption that all the liberal Democrats make: the answer is to raise taxes on the "rich insurance and healthcare companies." Who do you think will pay the passed-on costs of those taxes? It would be great for everyone to have access to health insurance; the great debate is how to pay for it and who pays. "There ain't no free lunch."

what you dont realise is that the american health care system is made that way for one reason, to make a hell of a lot of money off of people. that is why it was introduced the way it was. all the drugs are so expensive (hundreds or thousands of times what they should be in some cases) and insurance companys would not go for that because they are in it for one thing and one thing only, to make money.

Taxing the insurance companies would just make the premiums go up. So, in effect you're penalizing the people that ARE responsible and get health insurance.

Don't blame the health insurance companies for the cost of healthcare. Insurance premiums would come down if the cost of care did.

no, it is not them that makes the health system expensive. you need to do some more research before making such comments.

Do these things work or is it a trick??

These companies do something called "multi-level marketing." Basically, they get people like you to become independent distributors. You buy inventory and try to sell it to people, as well as try to recruit other distributors. It is called "multi-level" because you hope to get other distributors beneath you, then you get a small share of their profits - they in turn recruit other distributors and you get a piece of their profits too, and so on.

Frankly, your odds of success doing this are very, very, very low. Maybe 5% of distributors make any decent amount of money and well over half lose some or all of the money they invested in inventory.

Are you a super, amazing sales person? Do you have a ton of friends that you could sell stuff to or recruit as distributors? If not, don't get involved in these types of businesses.

By the way, the owners of Amway own the Orlando Magic NBA team. That tells you how much money THEY have made. Too bad their many low level distributors don't make any money.

I have heard of Amway. They are supposed to be a company that sells vitamins, cosmetics, cleaning products and a bunch of other stuff. Its sort of like selling Avon. You have to sell to customers. Then you make money from what you sell.

amway has been around for 40 years or more

Has anyone ever tried Gold trading http://www.summaryworld.com/business-and… IS GOLD PRICES LIKELY TO INCREASE TO $2,000?

hi there!!

the other day I was trading gold..go higher ... and you see commodity markets are the best one to trade as the profits are higher in those markets..

gold will rise definitely

You don't trade Gold. You buy it and sit on it. Then you tell the bank how much gold you have and then you can borrow money off them to run businesses and make more money without USING or LOOSING your own.

Its easier to make money in shares because they go up and down more often so you can find something cheap and sell it a couple of months later for a profit.

You keep gold for years.

The most liquid way to trade it on stocks would be gld. However, you won't own any physical gold. Which would always be the best is metals in hand. Not a name on a certificate your brokerage holds. I highly oubt gold can almost double from thse levels. But over another 20 or so years? Who knows. I think it's more likely to fall back to the low 9's than go above 1100.

What`s the funniest thing you have ever seen at good `ol Wally World? I have so many of them, LOL! Tell me some good stories....

me and your mom in isle 5.

I am a college student in my first year. I get about 100 spam emails a day, so I don't read my student emails unless they are from a professor.

Anyways I got a health insurance card today from Aetna (along with a bill for $473) because I did not waive my health insurance by the "deadline" Even though I am fully covered medical and dental under my parents.

I called Aetna on the phone and told them I am covered and they basically said to bad. I went to the school and they said the same thing. Is there anyway they can make me pay the bill?

That's not done via email. That's one of the little "gotchas" that the schools charge you for. It would have been in your registration paperwork.

Health insurance thru whom/what? The school? In other words, you are automatically enrolled unless you opt out? In that case, you may be stuck - speak to the school office that handles the insurance plan. If you are covered under your parents' plan, that could be a valid reason to opt out.

What all do I need to include on the 1040X to get my $8k credit as a first time home buyer?

Is there someone I can call for help. Just want to make sure it's filled out properly...Thanks!

You'll need to fill out Form 5405 to go with the 1040X - you can find it at www.irs.gov. Or you can wait and claim the credit when you file your 2009 taxes.

As for who to call for help... I know several H&R Block offices are up and running already. Other tax offices and professionals might be. And the IRS has a toll-free help line: 1-800-829-1040, M-F, 7a-10p local time.

Hope that helps! :-)

Start by filling out the 5405. Determine if you are eligible and the amount.

Then do the 1040X, starting at line 10. Complete lines 10-23 and the explanation on the back.

Include a copy of your closing papers, sign, mail and wait 16 weeks before calling.

quite frankly, I would not bother with the amendment, file your 2009 1040 and 5405 as normal as soon as you can in 2010
the amendments are taking ever so long because there is way too much fraud and IRS is taking time to examine them more closely

...and completely empty out my savings account?
there are a number of things i want to buy on ebay, but i'm just hesitant because i don't want to get my savings account wiped out

No. That's the whole point of Paypal, that you *don't* have to give out your bank account details to strangers. The only thing the buyer will have is your e-mail address, not your bank account information.

PayPal is the best way to go and they have a good reputation for keeping your info safe. They also have a great protection plan if you have any issues with your purchase. I use PayPal for all online transactions and that way I know that the only place that has access to my info is PayPal no one else...

If you are still worried then you can always just open a free plain checking account for your online transactions. Keep only what you plan on spending in that account.

Paypal is an outstanding tool for privacy and I highly recommend it.