lenders: July 2009

Thursday, July 16, 2009

Gordan Brown said he wants to palm the NHS of to another body of Admin!?

The labour party has already got rid of responsibility for setting the Bank of England%26#039;s base rate to a body of %26#039;non political%26#039; experts. Now he wants to do the same with the NHS, anything that is a problem and they can be blamed for they want to hive off.

If that is the case would we not be better off electing people to sit on various control boards and pay seperate taxes to each individual department, don%26#039;t have a government or maybe just a leader to attend state and foriegn functions(Oh! we have a Queen to do that). wouldn%26#039;t have to pay MP%26#039;s and the money would be more accountable.

Sorry its a long question,what do you tihink?

Gordan Brown said he wants to palm the NHS of to another body of Admin!?payday loan

What Gordon Brown, is proposing, and will rush through if he takes over as PM, is the privatization via stealth or the backdoor method, of the NHS. The Labour Party, has already fragmented several services within the NHS, to the private sector. This is just another way of fragmenting it further, at huge cost to the Tax Payer, where Blair or Brown, can say %26#039; running the NHS, is proving to be too expensive. Here is an alternative...its called the private sector %26#039;.

Its nothing to do with the NHS, not getting enough funds...as we can find over 1 billion pounds every month to run an illegal war...it is to do with the sly and deceiptful way in which the Labour Party, is breaking up state run services and putting them to the private sector.....no doubt the Labour Party, like the Tories, getting a few backhands in return. Makes you sick....Blair and Brown, are a discrace to the british people.

Gordan Brown said he wants to palm the NHS of to another body of Admin!?

loan

just passing the buck|||If you want to use the NHS get a well paid job because you%26#039;ll need one to pay for the medical insurance that will probably be introduced. Whatever America does we follow. Gordon Brown is a joke!|||Just think of the admin nightmare, time and expence involved in separate taxation. Yuck.

As for the NHS, all it needs is funding. Higher taxes should do it and I would willingly pay an extra penny in the pound for a functional health provision. In order to maintain a future NHS, one might have to take measures to stop medical tourists. Perhaps having a stamp card showing NI points earned, or ensuring that all citizens have a top up medical insurance - etc.

Whatever, it all boils down to adequate funding.|||No matter what the challenge - New McLabour can fail miserably - no matter how much of our money Brown the Clown throws at it!|||It is just a way of deflecting blame from himself - cunning though it has certainly worked that way with the %26#039;independence%26#039; of the Bank of England.|||The Immigration office will be offloaded next then. Another worry the Government would get rid of.

New Labour - New Worries!!!|||If the NHS is set up like the BBC it could be an improvement.I suspect however it is a way to place some Pals in well paid jobs and do away with the greater part of the Ministry for Health.

Like the BBC the pals will buy in services from outside the NHS on the excuse they are cheaper.What is really being said there is the people in the NHS doing those roles are either overpaid or incompetent.The reduction in numbers of those employed in the NHS will drop and destroy the pensions for those now working in it.Privitisation is well paid part time jobs for the Pals at the expense of the workforce and taxpayer.

What's the current mortgage rates in Malaysia? Recommended banks?

% deposit required?

What%26#039;s the current mortgage rates in Malaysia? Recommended banks?auto loan

The currrent mortgage rates (commonly known as Base Lending Rate [BLR] )in Malaysia is 6.75%.

A few Insurance companies in Malaysia e.g. AIA (American International Assurance Limited )and ING Insurance Berhad offered fixed rate housing loan over the entire loan tenure, (5.99% currently).

Fiscal Wise Sdn. Bhd -an online mortgage loan finder may help you to find the suitable mortgage for you.

Mortgage Broker.com.my can help you too.

Normally, 10% deposit required. (please check the % with the respective banks)

What%26#039;s the current mortgage rates in Malaysia? Recommended banks?

loan

Hi,

A friend told me about this site that lists all the conventional mortgage rates in malaysia that is very useful. They can even be viewed either by descending/ascending order too. Hope this helps:

www.myrates.com.my/preview.a... Report It

|||Post this under Answers Malaysia!

What is post maturity interest?

what is post maturity interest and why is the bank charging it at the rate of21% on my home loan?

What is post maturity interest?car loan

You forgot to re-new your mortgage...

Calais - where to go and what to use: pound or euro or card?

Just wondered whether anyone can share his/her experience of shopping in Calais. In particular, if you had to recommend one shop - what would it be? And also, what%26#039;s the best way to pay? Is it beneficial to pay in pounds (where it%26#039;s allowed), or euro would work out cheaper for me? If paying by card, would the bank charge an incredible exchange rate eliminating any savings you try to make?

Thankx.

Calais - where to go and what to use: pound or euro or card?apply for a loan

If you are going for beer or wine, go to East Enders near to the Pidou supermarket at Rue Marcel Doret (last exit off Rocade Est motorway before the ferry port), or to London Waterloo (aka midnight) in the Ardres area (off the A16/E40, old exit number17, Route de St Omer - it%26#039;s a bit out of the way, in a warehouse up an old railway siding, ask for directions.) The familiar British shops like Sainsbury%26#039;s and Tesco, in Coquelle (first exit off the motorway as you leave the Channel Tunnel) are not the cheapest. If you want tobacco it is cheaper in Belgium than France so go up the E40 motorway to the Belgian border town of Adinkerke (about 40 miles follow signs toward Dunkirk/Brussels, cross the border and exit J1a. Off the motorway, turn left, and left at the roundabout).

All the major wine, beer and tobacco shops in northern France and Belgium accept sterling, so you won%26#039;t be charged commission on currency exchange. If the exchange rate fluctuates, so does the price. It is better to pay in sterling, you know exactly what you have been charged and can compare it directly to British prices. Some of these businesses are run by British people, or are aimed directly at British shoppers, and they are accustomed to being paid in sterling.

Also remember, popular brand beer is not that much cheaper in France, but you save a lot on %26quot;strong%26quot; beers. Tobacco in Belgium, Golden Virginia costs 锟?.50 per packet LESS than it does in the UK. Cigarettes are not as big a saving. If you are up for a long drive, the Spanish border town of Iruna has cheap ciggies, but be prepared to have them stolen by dodgy Douanes Francaises (French customs) as you drive home!)

Calais - where to go and what to use: pound or euro or card?

loan

I don鈥瞭 know about shopping in Calais, but I know that it鈥瞫 cheaper to pay in euros as Calais is in France and in France they use euros. I also happen to know that banks charge a lot if you use credit cards. But good luck and have a nice and safe journey.

Buyer in Real Estate Transaction unwilling to perform his duties?

My sister is selling her house and has been in escrow for about 50 days. Her house is worth about 600k and is located in Southern California. According to her agent the buyer was having a hard time getting financing because a tax lien appeared on his credit report when the bank rechecked his credit rating. He finally got approved for the loan and know the buyers agent cant locate his client. The client had told him he had paid off the tax lien and would provide him with the paperwork, because the bank wanted it paid off before they could close the deal.

Does my sister and agent have any recourse because according to her agent, the buyer refused to sign off on %26quot;contingencies%26quot; all along.

Acording to my sisters agent when you sign off, then you can be sued if you dont perform after having your loan approved, but this buyer neve signed off and now they cant find him, meaning hes in hiding, the deposit on the contract only appears to be for $2000, can my sister keep that and sue

Buyer in Real Estate Transaction unwilling to perform his duties?bad credit loan

It%26#039;s difficult to say, here, without knowing how the contract reads. The contract should tell you everything as far as what happens if certain requirements are not met. PS: If the buyer wasn%26#039;t signing off on contingencies, etc., all along, then the agent was not doing their job. The contract probably has a closing date of some form written into it. If they don%26#039;t close on that date, then it%26#039;s a dead deal. But that%26#039;s a long time off the market, and if I was your sister, I%26#039;d be angry. $2,000 is nothing compared to two months off the market at the height of the sales season.

In most contracts, the buyers have to pursue financing in good faith, and there%26#039;s a time clause in there, where if they can%26#039;t get it in a certain amount of time, the deal is dead. It%26#039;s to protect the seller, to keep the house from being off the market forever while some hapless buyer who couldn%26#039;t get a mortgage for a dollhouse flounders around trying to get financing. IF the tax lien is cleared up, the buyer has refused to provide the necessary paperwork, and that is the only thing holding up the approval, then he is non-compliant and your sister gets to keep the money. If he can%26#039;t clear the tax lien, he is unable to get financing and he may be due the money back DEPENDING ON WHAT THE CONTRACT SAYS.

$2,000 on a $600,000+ house? Wow. That%26#039;s not much. I don%26#039;t really care too much about the agent%26#039;s %26quot;hard work%26quot;, An agent is paid when a deal is closed, and if the deal doesn%26#039;t close through no fault of seller, the agent gets nothing. It sounds like the buyer did not have a solid %26quot;pre-approval%26quot; before entering into the deal, and instead had a %26quot;pre-qualification.%26quot; On a pre-approval, the bank has done all the paperwork to qualify a buyer%26#039;s income and credit, and is only waiting to to review the appraisal -- a tax lien would NEVER slip through a true pre-approval. A lot of banks may call it a %26quot;pre-approval%26quot;, but a pre-approval with contingencies such as %26quot;proof of income, credit report, etc.%26quot; is worthless.

Buyer in Real Estate Transaction unwilling to perform his duties?

loan

You know, people can sue for all kinds of reasons. The deal is can you ever collect from this guy since he is already running from a tax lien?

Your sister may have to take some sort of legal action to get the contract totally released. It may not be complicated or expensive.

It sounds like the buyer never really paid the tax lien.|||Not all %26quot;deals%26quot; close and as you have wriiten many people have worked in this transaction.

If the buyers does not perform, he may loose his deposit or he may still have some form of contigenicies that is in the written agreement that will allow him to be released from the contract.

The brokers opinion here could be valauable to your sister.

As to the agents time and effort, this is one of the pitfalls of real estate the agent recieves zero unless the transaction closes..

What will happen if the dollar collapses and all the money we have saved is worthless?

The dollar closed at a record low today as gold closed higher. I know most of this is due to the stupid Federal Reserve BANK lowering the Federal Reserve Rate, but what will happen if the dollar continues to fall? How long will the rest of the world want to trade in dollars?

What will happen if the dollar collapses and all the money we have saved is worthless?business loan

You may think of exchanging your paper money for gold and silver. It is said when gold hits the $1000 dollar oz. mark we will be in recession. The paper you carry has no backing! You can not go wrong with gold and silver. Throughout history paper currency has always failed!

Peace

Here is a short clip, to explain it a little :)

http://www.youtube.com/watch?v=VJxVIbQo3...

What will happen if the dollar collapses and all the money we have saved is worthless?

loan

the us gov%26#039;t would not allow the dollar to collapse especially since so many other currencies are tied to it. i agree the fed made a questionable move but it did restore faith in the credit markets which buys the fed time to address inflation fears and to encourage congress to fix the root causes like the deficits, etc.|||Don;t worry about the dollar. It will come back in time.

Too much of the world%26#039;s commerce is tied to the US $. It will not collapse.|||our dollar aint worth the paper its printed on. and the federal reserve is actually a private bank... not run by the Gov.

Loan officer/mortgages or certified fitness trainer?

kinda stuck i want to make $100,000 p yr or so but which might be better as an overall career any body got any sugg%26#039;s loans can be kinda tuff especially now with the market but theres good money though most people can go to the bank and get a better rate if they have good credit training can be a bit more gratifying any advice

Loan officer/mortgages or certified fitness trainer?loan rates

Aim for the career where you will be happiest. You might

not make much money going to work every day at a job you hate.

Percentage?

Daniel has a MOney Market account with $1,200.The bank offered him a special rate of 5.25% per month.How much money will Daniel have after the first month?

Percentage?student loan

How much will Daniel have after the 1st of the month...

ANSWER is $1263

Percentage?

loan

1200 times 5.25/100

1200(5.25)/100=$63|||$1263 if it is a monthly interest rate:

1200*1.0525

Generally, the interest rate offered is for the entire year and compounded monthly so an APY rate of 5.25% would yield $5.25 in the first month.

Jesus Saves?

Does his bank has a better intrest rate?

Jesus Saves?cash loan

Ah, but Moses invests!

Jesus Saves? loan

Ba-dum-pa|||do you have any idea how many times this joke has been repeated???

it wasn%26#039;t even that funny the first time...

sheesh...|||I have a sense of humor, but you know what? That isn%26#039;t funny in the slightest.

His blood was/is His bank, and we%26#039;re who reap the interest and savings by His grace.|||*Drum thing*|||Oh, much, much better!!

My back refuses to offer my a lower % on my loan, what can i do?

I\ve been making payments on this loan for about 13 months never late, the loan orginaly started at 16100$ for 7 years with 14% now is at 14500$ with 14%, my credit is 585 how can i convice my bank to lower my interest rate?

My back refuses to offer my a lower % on my loan, what can i do?mortgage loan

The key is your credit bureau reports. (If you%26#039;ve made payments on time, it%26#039;s not your history with the bank.)

You may have a lot of balances, or maybe your balances are very high, etc. Different banks have different criteria when they look at your credit bureau reports.

You%26#039;re supposed to check your credit every 3 months anyway, to be sure nobody is using your social security number. That could be the case, or there could just be mistakes on the reports - it%26#039;s very common! All these things could keep your rate where it is.

Check out your credit from the 3 major bureaus (Equifax, Experian, Transunion) and see what you find. Fix what you see going on there. You may want to find a service that checks your credit reports for you (without harming your rating) AND helps you fix the errors on them. Most of the time the service helps with identity theft too, so that%26#039;s a plus.

After this, it will take 30-60 days for the bureaus to update. You%26#039;ll see it when you check your credit. Then, talk to the bank about the rate again.

It can be a frustrating process, but worth it.

Good luck!

My back refuses to offer my a lower % on my loan, what can i do?

loan

my back cant do much either when it comes to this!!|||You can%26#039;t. You have a low credit score, plus they loaned you the money based on an agreed upon rate. They have neither the incentive nor the desire to lower it now.

You have to consider, banks fund loans by borrowing themselves (ultimately). It%26#039;s not their money. They had to borrow to loan you the money, based on a high rate because of your rating. To lower it now increases their risk for no good reason.|||I doubt that they will go lower. A 585 is not a good score. In addition, your income and other debt play a roll.|||You are bound by the terms of this loan until it is paid off. The bank is under no obligation to re-write this loan no matter what. The only thing you can do is to pay off this loan by getting another loan at a lower rate.

However, with a current credit score of 585, 14% is a very good rate. Anything under about a 620 is considered Sub-Prime and as such you are going to be hit with higher interest rates. So it is very unlikey that you would be able to get a lower rate with any other bank right now.|||Your credit score is too low.....however, try a credit union....if you have been perfect in your credit activity for the last 24 months.....they might consider it.....

Unfortunately, you really need to start delivering pizzas and just pay down that beast of a loan.....two years %26amp; you could be done....tough but possible.|||Credit card company%26#039;s will often lower your interest rate if you ask just to keep your business, A bank loan is something you are paying on and not adding purchases. They won%26#039;t reduce your rate for the full term of the loan

If the feds cut intrest rates do you buy banks or do you buy gold?

If you are ahead of the curve, you would buy gold because it is going to increase.. However, you must do this before it goes up.. If you do not, you will be paying a premium for this item and will end up losing money.. Investments in banks at this time are not recommended due to a possible 300 billion writedown in their industry still to come.

When and Where shall I cash my dollars in the UK?

The dollar has fallen so badly here in the UK, i%26#039;m stuck with dollars. The bank uses the pay back rate and I will lose loads. I have a significant not huge amount, but the loss will be severe..please help.

When and Where shall I cash my dollars in the UK?unsecured loan

post office check there rate first

When and Where shall I cash my dollars in the UK? loan

Frankly, I would buy some stuff on Ebay with the dollars and resell the stuff in the UK. You will make a really good profit.|||I can take your $$$%26#039;s off your hands if it is causing you problems.|||Great idea above. Either that or just keep them till the exchange rate changes lol|||The green backs are really very green. 2.5 to the pound by 3rd Jan 07 I bet you, CASH in NOW.|||put them in an international account eg hsbc international , dont cash them in yet hold and stick with patience.|||How about finding someone who is planning a trip to the States. You could come up with a fair price for you both and both avoid the commission. Just a thought.|||right here i will give you one for one

I have No Credit, $6000 down on a 10-12k car. Have a few questions. help?

I have been turned down for a Bealls card. Only for a lack of credit history though.. No bad credit. I have $6000 as a down payment .for a car somewhere around 10k dollars. I want a loan either from a dealership or a bank.. Which would give better rate and what would be the best approach to buying a vehicle?

I have No Credit, $6000 down on a 10-12k car. Have a few questions. help?student loan consolidation

Try CarMax - they%26#039;ll give you 3 days to shop their financing offer to any bank you desire.

If you were turned down for a credit card, your credit score is probably low BUT with a 50% down payment on a $12K car - CarMax probably has a few lenders willing to give you the best interest rate out there. You can%26#039;t do no worst than 15% and I%26#039;m surprised that someone could offer you 10% if your credit score is high enough vs. obscene interest rates from buy now, pay now and repo later dealers.

{EDIT} Carmax has stores in GA, FL and TX but not AR - the 4 states which have Beall%26#039;s stores.

I have No Credit, $6000 down on a 10-12k car. Have a few questions. help?

loan

Thank you very much although I have no idea what you said. Report It

|||Check with both the dealer and the bank. Try the one that you have an account with. Normally, they will give you a little bit of a break on the interest rates.

Good luck.|||A bank may have one program and if you don%26#039;t qualify they%26#039;ll send you packing. Find a dealership with a special finance manager. He will work with several banks and know which one will work best for you. If you applied for a bealls card then I doubt you live in my area buy if you did I%26#039;d tell you where you could get approved. With $6k down you should be good.|||$ 6. K for a down payment on a $ 10. K car is too much. You should be able to get a loan for $ 6. K from a bank.

Most banks will only lend you money if you already have money. In this case, use the $ 6. K to get a line of credit with your bank for the same amount.|||Personally, I%26#039;ve always been a big fan of securing my financing, prior to going to the dealership. Keep in mind, if you plan to finance through the dealership, they%26#039;re going to make money on financing the car as well, so by securing your own financing directly through a bank, you%26#039;re cutting them out. However, there are times when there are dealer financing incentives, such as zero percent, or 0.9, or 1.9, but these promos usually require you to have a history of financing a car, and a fico of 700 or above, and considering you%26#039;re just establishing your credit, you will most likely not qualify for these programs. As for a few different lending options:

1. Go to the bank you currently have your checking/savings account with

2. http://www.lendingtree.com

3. http://www.capitaloneautofinance.com

I%26#039;ve had great success utilizing all three options in the past...

Good luck...|||First of all, dealerships don%26#039;t loan money, they simply arrange the loan on your behalf with the lending institutions.

Sounds like you would easily qualify for a %26quot;first time buyer%26quot; program. As long as you%26#039;ve been on the job more than a year, you should be in.

The rates in these programs are decent but do NOT allow anyone to run your credit until you have negotiated a deal. You%26#039;ll hear every excuse in the book as to why they have to run it first, but hold your ground. They can estimate pretty darn close to where you%26#039;ll be beforehand. Once you%26#039;re happy with the deal, then let them run your credit.

Here%26#039;s a tip, with 6k down, you%26#039;ll be able to qualify for much more than a 10k car. Don%26#039;t let the dealer try to bump you up in to something more expensive, stick to your budget, you%26#039;ll be much happier in the long run.|||Its sad the system were living in having no credit rating is the same as having a poor credit rating but there are ways to establish excellent credit rating over a period of time , and you will find the answer at this link on my web site http://www.usedcartips.org/CREDI.html

Your idea with $6K down buying a car around $ 10K is not going to work as the minim with dealers and banks for a car loan is $ 7500. anything lower it becomes a personal loan.

Your a very strong consumer buying with your type down payment providing you have steady employment and no hidden surprises on your report card.

As for the best rate Bank VS Dealer, I have recommended over the years you go with the dealers financing and then take your bill of sale to your own lending institution asking for a better rate, they are after all in business to make money and will bend to get your business at a better rate, you may have been approved by this time by the dealer but not having signed any papers gives you the right to bring certified funds from your own source.

As for the best approach buying a vehicle it really comes down to some homework on your part, most consumers cant find the time end up with a lemon and blame it on the dealer, if you have the time study my hobby website how to buy a car, I dont expect you to become an expert overnight but it will lessen the chances having a lemon in the driveway.|||Hi.

I am Corrine and i saw your question about needing a loan,In the internet they are alot of scams out there.I decided to answer your question to prevent you being scammed.

I was once in your shoes and i had bad credit yet I got a loan of $162,000 from an agency online.I will advice you to contact them at capitalinvestment_company@yahoo.com

Mrs. Wanda GilletteTel:+44 70457 13848

What are the fastest ways to boost ones credit score?

Basically I%26#039;m a dummy and it took a lot to get a loan for the car I got buT I was told I could refinance and somehow leave the instituion who gave me the loan and go to another bank for a lower interest rate right but my credit score is so low, I want a better score so I don%26#039;t have to pay as much, how do I do that? How does refinancing work? What%26#039;s a good score to be at? Sad to say it but I%26#039;m @ 480 now

Any advice would help

What are the fastest ways to boost ones credit score?small business loans

It only takes 30 days to bring your score up. You could have your score in the 600%26#039;s by just disputing the items on your TRWs. Check out the article below to see how to do it step by step.

As far as refinancing goes, they would open a new loan for you and pay off your old one. Hopefully, if equity has built in your property, your monthly payment would go down, and you interest would go down also. It%26#039;s a long time consuming process...much longer then buying a house. Figure about 2 to 3 months to get the loan closed...plenty of time to bring your score up and qualify your for a better interest rate.

Hope this helps.

What are the fastest ways to boost ones credit score?

loan

a car loan actually boosts it very quickly|||Do not refinance, just keep paying the original loan. Refinancing is just a scam|||Don%26#039;t buy something that you don%26#039;t have the money for it and if you buy something make sure that you have the money in the bank before you decide to buy it and when you receive the bill,try to pay it in full to avoid any interest %26amp; this is the only way to prove to the company that you%26#039;re not risky consumer.|||Pay off Credit cards with high balances that will boost your score big time... I would say 600-700 is good and higher is great|||It takes some time to build good credit and you pay high rates at first because you are high risk, I know this doesn%26#039;t make sense as you are the one least able to pay these rates but that is how it works. The fastest way I know is to make sure you always pay your utilities on time, as any time you are late paying they let the credit bureau know about it. Buy things that you know you can pay for, for sure at the end of each month. Don%26#039;t try to pay off your card all at once just keep it under control. Constantly check with your banker and let the loans officer know that you are working to improve your credit, ask them for their advice and I am sure you can begin a good financial relationship with your bank. Just don%26#039;t mess up, if you have problems let them know first not last

Car loan question?

hey im 20 years old right now for the last few months ive been slowlyyn off my credit card but the bad part is it was 400$ over limit ( 600 max ) i have now got it down to 540.. i just got a full time job to completly pay it off over this next month.. im going to be makin about 900-1200 a month aprox.depending on how many hrs they give me and my car lease is up in aug.. is that enogh time to build my credit back up and get a $20,000 loan for a car and save up about $4,000 in the bank (20%).. or would my rate be crazy... thanks guys

Car loan question?bank loan

If you can afford 20% down payment you should be OK. Think of it this way, the more down payment, the less risk for the credit company. Pay off the cards and go for it. Your time at the job may be an issue, but believe this....they need to loan you money just as much as you need to borrow it. You have some power here.

Car loan question? loan

One month is not enough time to really build up credit...depending what your score is now...it might go up some...but not a lot.|||Ive been in the auto sales buisness for a few years,so I hope I can help.First find out your credit score,and find out what your dept to income ratio is.This is important. Pretty much anyone can get financing,but intrest rates can be very high.shop around and see what is available,dont jump on the first thing that catches your eye.and also check with you own bank,they may be able to get you a better term rate on a loan.|||Hi!

I know a guy with similar problem to yours. He also had a full time job, but was almost bankrupt and he got himself a new car for around 18.000$.

He was surfing the web and applying for quotes for few hours and came down to this page: http://www.anrdoezrs.net/click-2158001-1...

I hope they will answer your questions in minutes.

Good luck

Nancy

Have you ever wanted something so bad....?

....that you cant sit still?! My fiance and I are looking into buying a home, but we need to get a pre-qual paperwork before we can go any further. We didn%26#039;t know this so we%26#039;re hurrying to find a bank that will give us one, of course we have to go in and get our credit checked before they will do it. Today we planned on doing it, but the bank we want (cheapest rates too) can%26#039;t see us till tomorrow morning. I%26#039;m so eager and scared that the company (sellers of the home) will forget about our offer and move onto the next one, it%26#039;s driving me crazy!! I feel kind of grumpy and annoyed, and I%26#039;m super eager to get it over with since I know this is :OUR: home! Why does time go by so slow when u really want something?!?!

Thanks for reading :oP I feel a little bit better. lol.

Have you ever wanted something so bad....?loan officer

I know just how you feel, on Feb 8Th I will have the closing on my new house!!

For me it%26#039;s kind a scary and excitement at the same time hard to explain it, but it feels good don%26#039;t it?

I just can Waite to get them keys in my hands, I get the feeling I%26#039;m going to cry when I do get them lol

I pray that all goes wall and fast for you babe.

Have you ever wanted something so bad....?

loan

I%26#039;ve wanted someone that bad...|||yay!!!

well im glad that you could express your feelings with us...

yeah i have wanted something so bad that i couldn%26#039;t sit still...

%26lt;3.|||:) cute|||Your welcome, and I sure hope you get your dream home.|||Yeah, but it almost always ends up in disappointment!!|||yes!|||First let me say %26quot;Good Luck%26quot; I have been in the same boat waiting for something good to happen and it usually does. Oh and time doesn%26#039;t stop and tomorrow will come for most people. Focus on what you want to do first once your in your home :-)|||Know what you mean, good luck with your venture:)

Electric Motor Question?

I want to run a 20 HP 3-Phase AC Electric Motor from a battery bank. The Motor is rated at 240 Volts @ 64 Amps. I want to control the Motor through a variable frequency Drive With 240 volts DC from the Battery Bank of 20 12 Volt batteries. What size batteries should I use to run the motor at nearly full load (50 amps) for one hour?

Electric Motor Question?quick loan

These batteries would be huge to be able to supply the amount of amps you%26#039;ll need.

You%26#039;ll also want to get %26#039;deep discharge%26#039; batteries.

The best way to get the 3 phase power would be to get a DC motor- 3ph generator combo.

Also think, how will you recharge the batteries, since I assume you have no regular power there?

I have set such things up with using 240 single phase to 3 phase motor generators.

Electric Motor Question?

loan

Do you have a 3 phase inverter? You need to convert the DC to AC and then run through the VFD. I doubt that you are going to get 50A for a hour unless you parallel some more batteries with the ones you have in series. Deep cycle marine batteries would probably be your best choice.

Good luck|||I%26#039;m not an electrician, but if you can get a setup to work like that, you%26#039;ll need %26quot;deep cycle%26quot; batteries at least. Those are pricey... Where are you going to put the inverter?

How to invest?

What is an ISA? What is a CD? What is a Fixed deposit? What is a mutual fund?

How do they work? How does the bank or company profit from each? If I have $10k, which is the best to go with and what bank gives the best rates?

How to invest?fast loan

Founded in 1945, ISA (www.isa.org) is a leading, global, nonprofit organization that is setting the standard for automation by helping over 30,000 worldwide members and other professionals solve difficult technical problems, while enhancing their leadership and personal career capabilities. Based in Research Triangle Park, North Carolina, ISA develops standards; certifies industry professionals; provides education and training; publishes books and technical articles; and hosts the largest conference and exhibition for automation professionals in the Western Hemisphere. ISA is the founding sponsor of The Automation Federation (www.automationfederation.org).

A Fixed Deposit is a contracted placement of funds by the client with the Bank which yields interest at a rate which is fixed for the tenure or duration of placement. It is a non-negotiable instrument.

Stocks represent shares of ownership in a public company. Examples of public companies include IBM, Microsoft, Ford, Coca-Cola, and General Mills. Stocks are the most common ownership investment traded on the market.

Bonds are basically a chance for you to lend your money to the government or a company. You can receive interest and your principle back over predetermined amounts of time. Bonds are the most common lending investment traded on the market.

There are many other types of investments other than stocks and bonds (including annuities, real estate, and precious metals), but the majority of mutual funds invest in stocks and/or bonds.

A mutual fund is simply a financial intermediary that allows a group of investors to pool their money together with a predetermined investment objective. The mutual fund will have a fund manager who is responsible for investing the pooled money into specific securities (usually stocks or bonds). When you invest in a mutual fund, you are buying shares (or portions) of the mutual fund and become a shareholder of the fund.

Mutual funds are one of the best investments ever created because they are very cost efficient and very easy to invest in (you don%26#039;t have to figure out which stocks or bonds to buy). If you would like to know the history of mutual funds, click here.

By pooling money together in a mutual fund, investors can purchase stocks or bonds with much lower trading costs than if they tried to do it on their own. But the biggest advantage to mutual funds is diversification.

Math Question?

Worded kind of weird:

A chartered bank is raising the interest rate on its Visa credit card from 7% to 8%. What will be the percent increase in the interest charges on a given balance?

Math Question?va loan

(8-7)/7=14.29%

Math Question? loan

( 7/8 ) * 100 %|||I tried some samples first and then I generalized to an equation.

If the balance was $100, then at 7% the interest is $70.

If the balance was $100, then at 8% the interest is $80.

So you would pay $10 more interest. If you take the raise in interest and divide it by the original interest you get 10/70 which is 1/7 or .1428 or about 14%. When I did this same thing with other amounts I always get the answer of 1/7

Generalizing : Let A be the balance amount then to find the percent on increase (.08A -.07A)/.07A and this will give 1/7.

The Economy ....?

The US Federal Bank has slashed interest rates to try to boost the American economy. It can only be a matter of time before the Bank of England has to follow suit - meanwhile, the 6 largest utitlity companies cheerfully announce increases of 14%. If the B of E is scrabbling to give us back some money in order to stop a recession doesn%26#039;t the action of the profiteering Utilities co%26#039;s wreck the plan?

The Economy ....?fha loan

The short-term gains received from hiking up energy and other utility prices outstrip the longterm benefits of boosting people%26#039;s propensity to consume. CEOs have a mean tenure of less than 3 years in a typical western company and they will usually care more about their EPS-linked bonuses and options than the welfare of the common man or woman.

It%26#039;s the very sad state of modern capitalism: those that can handle the least will bear the brunt of market correction.

The Economy ....?

loan

The BOE is giving short term loans to the Banks to try and give them the confidence to start lending to each other. They are not trying to give money back to us. Higher utility costs are not related. Stupid borrowers/lenders should suffer, not savers through lower interest rates. Report It

|||Of course, and the oil companies are the same. Their responsibility is only to their share holders.|||Ok Wall Street is making this happen to make money, yes they get filthy rich at times like this. Oil speculators are responsible for high gas costs.|||Since we are basically capitalist countries and the utility companies have since been sold off (cheap), I doubt the Bo E can actually do anything to reduce their prices. They have a toothless watchdog, staffed by government cronies and a complete waste of taxpayers%26#039; dosh who cant really do anything about prices because they have no idea of the cost processes of these companies. They can only go for dinner and whinge a bit.

So to answer your question, the BoE has no control over these things all it can do is to reduce rates when necessary and hope for the best.|||Maxi Robert Spierre. has laid it out beautifully. everything he as stated is fact

I could write a foolscap page on the subject but it would only amount to the same|||What we are actually seeing is!The %26#039;death-throes%26#039; of an economic giantThe USA!Which is being propped up by other areas such as the EU and Japan!Did that incompetent Chancellor Gordon Brown sell our gold reserves at such a %26#039;knock down%26#039; price to prop up the US dollar!?|||Oil companies only (and similar) only give a sh1te about their shareholders.

I believe their powers should be taken away by nationalising much of the utility market... so price will have to drop for them to remain competitive. Same with private transportation companies; who have been exploiting customers for too long with high prices for too long.

(y)

=]|||The BOE should resist the clarion calls to reduce interest rates, because it is low interest rates that has got us into this difficulty in the first place. Why should savers, who we need more of and need to be encouraged with higher interest rates, transfer wealth, once again, to the feckless Banks and their borrowers, so that they can carry on binging. Make no mistake, they haven%26#039;t learnt their lesson and must be made to. House prices and borrowing need to be drastically reduced in order to achieve sound money for the future, even if we have to go through a painful recession. We have earned our recession. Remember, it is Greedy Banks and house owners who have reaped the benefit of this asset bubble, and it is they that should pay the price, definitely not savers.

Will rich people use Obama as president to seize opportunities?

Most are not aware but the depression was a created event where a handful of rich people purposely crashed the stock market to devalue corporations and cause independent banks to fail. Shortly after these same rich people with the endorsement of the president created legislation for a central bank that controls, interest rates, only can print money, and decide the price of certain metals.

So what is to keep these same type rich people from seizing the opportunity to use Obama in the same manner to acquire corporations for pennies on the dollar in a downturned economy?

They simply manipulate everything and have the majority of the public blame it on the black man in office. Meanwhile the rest of us suffer. Because I can tell you that Obama is not smart enough to stop this. His finance chair is a woman called Penny Pritzer who is family to the richest and influential families in America.

Will rich people use Obama as president to seize opportunities?secured loan

If Obama becomes president you want have to worry about anything. We will all be bankrupt.

Will rich people use Obama as president to seize opportunities? loan

I dont know, but thanks for the info. I get on this cite because I am interested in learning what other people know. (of course, some of the people on here dont know much!), but I found your question to be very informative, and thank you. It is a hard decision to make this election, and you are right about not voting for color. We live here, we need to protect this country.|||I agree with you and think you are a very intelligent man.|||Didn%26#039;t read all that...

All Presidental candidates are bought by the people who fund their election.. Once they become President, they do what those people want.....

Present Admin... oil companies....

Anyone got Loan Against Shares Recently?

Anyone here got Loan Against Shares recently? If yes then from which bank and at what interest rate?

Anyone got Loan Against Shares Recently?cheap loans

iT IS POSSIBLE TO GET LOAN FOM THE BANKS. pL TRY IN THE SCHEDULED BANKS. nATIONALISED BANKS WILL NOT ENTERTAIN

Fixed Deposit Savings Accounts?

Hello,

I am looking to put in 100lakh rupees into a FD account in India so that my parents can get money for their monthly expenses. Please can you advise on a bank that gives high interest rate for NRI%26#039;s or resident Indians? Also, I am looking for an account where the interest is exempted from tax. Please can you help.

Thanks

Fixed Deposit Savings Accounts?consolidation loans

SBI is operating all over the world... contact them... 10,000,000... or 1,00,00,000...

this is how we write 100 lakh... are you asking for this figure in $ or Indian rupees...???

looks too big an amount...

edited...

good gesture...

your parents are luckey to have so very good offspring...

keep it up...

go ahead... all the very best...

Fixed Deposit Savings Accounts?

loan

put in nationalised bank ,not chitfunds,, senior citizen get 1% more interest., put in different periods of maturity.|||Split and put in 2 or 3 banks.

You can select ICICI Bank or some other banks like SBI, SBT, etc. They all have special schemes for NRIs

icicibank.com

Help with two word problems!!?

10. Moira has $500 in the bank at an annual intrest rate of 4%. How much money will she have in her account after two year?

12. How many ways are there to make 20 cents using dimes, nickels, and pennies.

Help with two word problems!!?student loans company

10. You can find how much after 1 year by multiplying 500 by 0.04 and adding it to 500. Then do the same for that answer to get the second year.

12. Make a chart. 2 dimes works, 1 dime 2 nickels; 1 dime 1 nickel 5 pennies; 1 dime 0 nickels 10 pennies, 0 dimes 4 nickels, 0 dimes 3 nickels 5 pennies,etc

Help with two word problems!!?

loan

10. 500 x (1.04)^2 = $540.8

12. 9 ways

D=Dime, N=Nickel, P=Penny

DNN

DNPPPPP

DPPPPPPPPPP

NNNN

NNNPPPPP

NNPPPPPPPPPP

NPPPPPPPPPPPPPPP

PPPPPPPPPPPPPPPPPPPP|||the formula for finding the intrest is PTR/100.After finding the interest for 2years,add it to the first amount.

T(time)(no of years)=2, R(rate)=4%, P(Principal)=$500

interest=500 x 2 x 4/100

=$40

he amount she will have is principal + interest

=$500 + $40

=$540

don%26#039;t know no.12 sorry,i don%26#039;t live in America but in Nigeria so i don%26#039;t know the worth of pennies,dimes and nickels.

If Japan can operate at 0% interest why can't we in England?

Japan%26#039;s central bank raises its key interest rate as expected from 0% to 0.25% - the first increase since 2000.

http://news.bbc.co.uk/1/hi/business/5178...

If Japan can operate at 0% interest why can%26#039;t we in England?school loans

But banks employ staff %26amp; need to pay them.. at 0% you could borrow thousands - put it in a high interest account in a foreign bank %26amp; retire...

0% lovely - but not practical.. Japans government is artificially keeping it low..

Our banks do screw us though - that should be stopped - go overdrawn by 30p and get 锟?0 charges - yeah, how much do they pay computers? thats who bills you...

If Japan can operate at 0% interest why can%26#039;t we in England?

loan

Interest rates are useful in fighting inflation. It encourages savings, which reduce the amount of money used and spent in the economy. Japan has been facing deflation for a long time. Hence the 0% interest rate. Report It

|||GREED!!!!!!!!!!!!!!!! i think Japan is a mostly Buddhist country,any questions?|||When this excuse for a Government came to power, they gave the rights to set interest rates to the Banks. If you put pigs in charge of their own trough then you have the same results. They are allowed to set their own heinious, punitive charges and fleece the public - legally !!|||yes but they were in resesion

but if unemlpoyment low intrest high now why would that be i wonder

whole system is a scam|||Hi,thanks for the points.The banks are way too greedy,they are trying to get the rates up %26amp; if we get the tories back in the rates will go through the roof.The more money people have the more they want,im on about millioners.Ollie|||Because in England we%26#039;re all too stingy to bother saving if there%26#039;s no interest - and if there%26#039;s no cash for the banks, then there%26#039;s no loans / credit cards / investment, and the whole caboodle crashes!

; )

Anyway, reading some of the answers, I get the feeling that some people think there%26#039;s little or no interest on loans too! That%26#039;s obviously NOT the case, loans and credit cards have about the same rate of interest as in the UK - it varies from company to company of course, and for loans the larger the amount, the less interest you pay - for credit cards it varies too, as do the charges! Overall, the rates of interest for loans and credit cards vary enormously from about 10% to more than 30% - just like in England!

; )

Until recently, my husband%26#039;s bank account received 0.01% p.a. interest...! Until he receives a statement saying so, I don%26#039;t know whether his rates have even gone up at all...! You know how SLOW the banks are when it comes to dishing money out instead of taking it in...!

Interest??

If you give a bank $1000 and your interest rate is 3% how long will it take to earn $300?? thx

Interest??debt consolidation loan

About 9 years (a little less). If you need an exact time, then use a financial calculator.

Interest?? loan

is this APR or monthly, what type of acct there r so many variables ck w/a credit union rather than a bank|||As an addition to the above answers. In one year, $1000 will earn $30.00 (based on a 3% rate of return).

Car loan question..?

hey im 20 years old right now for the last few months ive been slowlyyn off my credit card but the bad part is it was 400$ over limit ( 600 max ) i have now got it down to 540.. i just got a full time job to completly pay it off, and my car lease is up in aug.. is that enogh time to build my credit back up and get a $20,000 loan for a car and save up about $4,000 in the bank (20%).. or would my rate be crazy... thanks guys

Car loan question..?title loans

Im not sure what your rate will be but we tried doing this and they wouldnt even give us a loan of course we dont have a credit card but we have had people cosign for a loan and we have paid it up and it didnt change anything so good luck with yours and hope your rate isnt too high

Car loan question..? loan

Yes that should be enough timeThe rate on the new car might be a little high because of your age you don%26#039;t have the depth in you credit report. And the depth they do have shows a few bumps int he road. But don%26#039;t worry you will be alright.

Help Solve.?

If 7000 dollars is invested in a bank account at an interest rate of 5 per cent per year, compounded continuously. How many years will it take for your balance to reach 20000 dollars?

Help Solve.?loan company

Hi,

The formula is:

A = Pe^(rt) (Where A is the future value, P is the initial amount (principal), r is the interest rate expressed as a decimal, and t is the time in years.

So, let鈥檚 solve for t.

A/P = e^(rt)

ln (A/P) = rt

t= ln(A/P)/r

= ln (20000/7000)/.05 (You鈥檒l need a calculator to do this arithmetic.)

= 20.996 or rounded off 21 years.

Help Solve.?

loan

the part and percent is given.. all u have to do is find the whole:

whole= (part * 100) divided by the percent.. solve it urself

..oooorrr u can do proportions|||it will reach in the 22nd year

College Loans Help Please????

My parents forgot to do my fafsa, and i need a differnt way of paying for college. I was thinking about a bank loan but the interest rate are CRAZY!!! Is, there a light at the end of the tunnel????

College Loans Help Please????commericial loan

Your parents will still have to complete the FFASA form to apply for a college student loan. The interest rates are much cheaper then a conventional loan and you get better benefits. You don%26#039;t have to start paying them back until 6 months after you graduate as opposed to a conventional loan. You have to begin paying them back immediately.

It is only March, it is not too late to get your FFASA done. They just started accepting applications January 1st. You are no where close to being too late.

Even if you are denied FFASA, your still need the papers that they give you to get the student loans. You can do it online. Go to http://ffasa.us

Every student who has them, gets the loan. If you don%26#039;t, you will not get a student loan at all. So, have your parents file the necessary papers.

Dornessa

http://onlinedownlinebuilders.com

College Loans Help Please????

loan

Go get a guaranteed student loan. That%26#039;s what thousands of other students have to do.

Too bad, so sad, that you aren%26#039;t happy with the interest rate. Welcome to the world of adulthood. They%26#039;re cheaper now than when I had student loans.

Perhaps you can get a job to help pay for college.|||Student Loan Consolidation | Private Student Loans | PLUS Loans | Graduate PLUS Loans | Federal Stafford Loans

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As of July 1, 2006, interest rate is fixed at 8.5% for the 2006-07 academic year

Deferment of payment while in school at least half-time

Learn more about Federal Grad PLUS Loans for Students

Apply Online Now|||Definatly -- call the schools you are applying to and ask them -- many times they will accept a late fafsa -- CALL TODAY!!!!!|||Call your school%26#039;s financial aid office to see who they recommend, but a lot of students get Sallie Mae Signature Loans and parents can take out PLUS loans. These have okay interest rates.

But I would definitely call the school.

I live in MN and have 3 payday loans out and I'm paying about $300 per paycheck (twice a month)

The interest is so high that I cannot even begin to pay back any of the principal. I KNOW taking out these payday loans was VERY stupid, but at the time, it was a quick fix to a problem and because of my terrible credit, I wasn%26#039;t and am still not able to take out a loan from the bank with a lower interest rate. Does anyone have ANY suggestions? And please, save your criticisms...I know it was stupid to resort to payday loans.

I live in MN and have 3 payday loans out and I%26#039;m paying about $300 per paycheck (twice a month) in interest.emergency loan

check with the attorney general of your state, right now there are numerous lawsuits because of the interest rate charged and other wording in their contracts, a recent aarp newsletter has an excellent article on lawsuits against the payday loan industry, THEY ARE WHAT WE THOUGHT THEY WERE%26quot; a bunch of crooks, finally the government is getting involved

I live in MN and have 3 payday loans out and I%26#039;m paying about $300 per paycheck (twice a month) in interest. loan

You could try www.prosper.com.

You can take out a loan from them and use it to pay back your payday loans.|||Do they automatically take out the money, or do you have to send it in? If you send it in then I would recommend trying to tackle one of them at a time. First and foremost, though, you want to take care of yourself and your family. So that means the housing, food, clothing, etc come before this loan.

Interest may rack up on the other two, but you have to start somewhere. It may be tough for a while but you can get through this. I would also recommend cutting back on certain things temporarily in order to increase your take home pay. You might want to temporarily suspend any gym memberships, dining out, cell phone, Internet and cable access; any extras that you really don%26#039;t need. This will allow you to use more of your income for the loans. Also, you might think about selling some things around your house to get some extra money.

I always believe tough experiences are the best learning experiences. You can definitely get through this one. Just tackle them one at a time. The only way to eat and elephant is one bite at a time. :-)|||gladly we live in IL they check ahead of time to see if there%26#039;s another payday loan out there before they do another loan . It apparently sounds like this saves alot of money %26amp; sorrow. Do you have a car that is paid for ? For a title loan in order to pay off the other 3? Or just neglect an interest payment @ 2 locations %26amp; pay off everything @ the 1. Then rotate it till it eventually all gets paid. This is poor advice but it was the best I could come up with.|||Jeremey hit it right on the head. Have you tried to get a part time job for a few months to pay them off. Even if it is for a few hours a week till they are paid off will help a lot.|||I guess you can start by tackling the smallest loan/debt first and get that out the way

Then you can focus on the larger one

I was approved for a car loan through capital one auto financing.?

As I type this question, im sitting here waiting for my salesman to call me to come and pick up my car. But wait, he calls and says he can get me financed through the dealers bank for a lower interest rate. Does this seem fishy to you??

I was approved for a car loan through capital one auto financing.?tax credit

It doesn%26#039;t sound fishy because they want your business so they will attempt to give you a lower rate if possible. Any interest you pay through their finance company, they may get a kick back on a portion of it.

However, READ THE FINE PRINT. their lower rate may include fees that you wouldn%26#039;t be charged if you went with Capital One.

Ask them to draw up the loan paper work and compare the loan duration, and payment to what Capital One offered you. After that it%26#039;s up to you to determine which loan to sign.

I was approved for a car loan through capital one auto financing.?

loan

It sounds to me like the salesman called you too soon after they found out one loan company approved you. A local bank would be much better to finance through than capital one. Capital one you really dont want to use if you can avoid it

Is gwen stefani seriously 37?

also.....which international bank has the highest interest rate in savings account.....do u know?

Is gwen stefani seriously 37?credot siosse

OMG she%26#039;s my age!!!!! I thought she was much younger than that!!! she is the COOLEST!!!!!

Is gwen stefani seriously 37? loan

YES SHE IS 37 AND I DONT KNOW.|||I don%26#039;t know about the bank, but Gwen Stefani sure looks older than 37!|||Yes she is 37 and I have no idea|||yes yes ye3s she is but shes so pretty that like know one can tell i think it is Pacific International Bank|||She must be, just ask her. I don%26#039;t know how much interest rates are being paid by international banks but mine was recently raised to 5%26#039;85 percent by a local bank.|||yes she was born in 1969|||She looks about that age - but she does herself no favours with that platinum hair - I know it%26#039;s her image - but she looked so gorgeous in that video when her hair is brunette (can%26#039;t remember the name of the song, but it%26#039;s the one where she meets up with her old flame in Italy and he has his new girlfriend with him).|||yep she is

Who gives the best money market accounts.?

I have been living pay check to pay check, but have recentely come into about 10k in money due to inheritance. Was wondering what bank gives the best interest rate on savings or money market accounts. Any suggestions? Thanks.

Who gives the best money market accounts.?interest rate

For money market funds it really makes no difference as the securities the fund mgr purchases are pretty well generic and the mandate narrow.

There could be great variance in the rate of interest paid on a savings account however. You should check around but I knwo that ING, which is a very large Dutch based bank has teh most competitive rates in that department.

Who gives the best money market accounts.?

loan

Bankrate.com is the most reliable.

Also, community banks or credit unions usually give the highest yields.

Online accounts such as INGDirect.com are also reliable FDIC insured savings accounts.|||I work for a bank and right now interest rates are not very good, I would consider looking into a Credit Union because they usually have better rates.

Money in 4 years?

if i deposit $150 every month to a bank with a montly interest rate of 0.15%, how much money will i get in 4 years?

Money in 4 years?auto financing

I x R X P

= 150x0.15x4

=$90+150

=$240

plzz vote me best answer

Investing $1000?

i live in London Ontario..... and i was wondering which bank has the highest interest rate for investing $1000 for 1-5 years

Investing $1000?annual credit report

Saw a couple ads from TD bank offering mutual funds that offer an average ROI of 10-15%/year for 1 to 5 year terms.

This is if you%26#039;re willing to keep your money in the bank and not touch it for those 1 to 5 year terms.

You can open an ING direct account. They give you a 13$? signup bonus and offer a 3 to 4% annual interest rate. The good thing about this is you can take out your money ANY TIME you want without penalty.

You can buy bonds. All the major banks and government of canada offer a range of 3 to 7% a year. You cant touch your money but at least you%26#039;ll get regular interest payment checks.

Investing $1000?

loan

I wouldn%26#039;t recommend putting that money in the bank. Some banks give you an interest rate of around 2.5%.

That doesn%26#039;t even beat inflation. You are better off investing in in the stock market.

How to pay off credit cards enrolled in a debt management program?

I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?

How to pay off credit cards enrolled in a debt management program?mortgage rate

Pay off the cards but keep the accounts open. You earn points for having an account that is kept current (no payments more than 30 days late). This includes an account with a zero balance. A credit report will reference the account%26#039;s high balance and current balance. If any of your cards have a yearly fee, I%26#039;d go ahead and close those ones.

How to pay off credit cards enrolled in a debt management program? loan

The Credit Counseling company will probably get you a better price in the long run because they will negotiate a lower rate than you can. But, you are being charged a very large amount of compounded interest on every dollar that you owe them for every Month that the amount is owed. Let Mom and Dad help IF the interest rate and terms are better than you are currently paying the credit card companies. And, if you can afford to pay all of your bills iccluding that payment. Remember that the credit counselor is making money on you, they will not always counsel you to your advantage.

Is LendingTree.com legit?

has anyone ever used it? i%26#039;m a first time homebuyer...and am looking for the lowest interest rate I can find. I heard that LendingTree.com will have different banks offer me different rates....

Please, fill me in...

Is LendingTree.com legit?car financing

All lendingtree.com does is connect you with up to 5 different lenders who will then contact you directly to go over financing options. It says you the hassle of contacting the lenders yourself. After you choose a lender, lendingtree is done with you. They are just a lead website and have nothing to do with the financing (I%26#039;m not sure what the real estate agent who answered this question earlier is talking about.)

I purchase leads off one of their sub-sites, getsmart.com. When I receive the lead, I call and email the applicant (I do not pull credit until I speak with the applicant.) Once I touch base with the person and attain their basic info (income, assets, credit report, etc) I then start looking for the loan that has the best rate and closing costs for their particular situation (I%26#039;m a broker and have access to 30+ wholesale lenders.) That%26#039;s it. I call the applicant back and go over the options I%26#039;ve put together for them.

In the meantime, others lenders are doing the exact same thing. All you have to do is sit back and wait for the quotes to come in, then choose the best one, whether you go by the numbers or the gut feeling you have regarding the banker.

Do not worry about multiple lenders pulling your credit report. As long as the company that is pulling it is a mortgage lender or car loan company and the pulls are within 15 days of one another, it will only count as one hit on your credit.

Is LendingTree.com legit?

loan

They are a legal company and thats as about much good as you acn say about loan sharks. STAY AWAY!|||Yes lending tree is legit. However they don%26#039;t do the loan themselves. they take the info you provide and sell the info to a mortgage broker or company and they contact you.|||Yes!

They really do shop your app to several banks, all who pull your credit and get back to you.

All of the top five banks are involved. Just don%26#039;t go for an adjustable rate, that%26#039;s a bad idea.|||They are a screening company, they check your credit then funnel it to those lenders that meet your criteria. (up to 4) Then they in turn run your credit again to see if you meet THEIR criteria. If so, then they contact you and try to get you to use them. Go to your personal bank first, then to one like Countrywide Home Loans (I have them) Compare and choose. you have control.|||Lending tree is about as legit as they get for what they do. Once you have completed their on-line application they sell your information to brokers and lenders that are signed up with them to do home mortgages. You could be called by several different lenders and each will have a different rate for you.

If you want to purchase a home the first thing you should do is find yourself a mortgage %26quot;Broker%26quot; have the following items available for them 1 months paystubs for each of you, 2 yrs of W-2 and fed income tax returns, 6 months bank statements from each of your savings and checking accounts as well as any from each of your 401k plans or profit sharing at your present employer if any. Once your broker has this information you will be required to complete a loan application. He will run your credit report to find out your credit score, which will tell him what interest rate you will be qualified for. Also with your w-2%26#039;s and pay stubs plus credit report he will be able to tell how much house you can afford based on the amount of income you have vs the amount of debts you have on your credit report. I could be a 100% or less depending on your credit score. Your broker will tell you what percentage you will need to bring in as well as the closing cost necessary. This will give you a pre-approval to purchase your home.

After your pre-approval he will find a real estate agent he knows to assist you in finding a home. After you have found your home the real estate agent will write a purchase contract for you and the seller to sign. He will give this to your mortgage broker as well as other documents.

Your mortgage broker will then order an appriaiser for the property to prove the value of the property, open escrow or a closing agent for the transaction. He might need some additional documentation from you,but not to worry this is common. It will take approximately 10-14 more business days to close your loan, sign your loan documents so your loan can close.

I hope this has been of some use to you, good luck.

%26quot;FIGHT ON%26quot;|||they are legit, but not very good. I used them a couple of years ago, but the quotes I got were high. Try starting with bankrate.com so you know what current mortgage rates are. Ask friends and family for referrals for a local mortgage broker.|||Shop around, shop around, shop around. Lending tree is legit but most of the time it turns the closing into a nightmare. As a real estate agent I know that most agents out there cringe when they see someone getting financing through lending tree. They just tend to take forever to close. They will give you a great idea of what kind of rates you can expect to get... but don%26#039;t stop there. You should shop for loans like you would a house. Find the one you want and don%26#039;t overpay to get it.|||Formerly Ameriquest charged with fraud.

NO!|||I am a licensed realtor. Yes, Lending Tree is legit. However, you have to be extremely careful. They sell the loan to a mtg broker, they do not themselves do the loan. They also farm you out to sometimes 10 different lenders. Each of those lenders could pull your credit. If this is done in a short amount of time it can drop your credit score which will cost you in the long run. Do yourself a favor and go to a lender who holds the notes, not a mortgage broker who sells them!|||Lendingtree is owned by Ameriquest Mortgage one of the dirtiest mortgage companies out there. Lendingtree lets Ameriquest cherry pick the deals first then sells your info to 4 other lenders(of course they say 4 but will sell to many more). Ameriquest rates are not competitive and they will burn you with high fees.

http://www.lendermark.com

Indicated probability.?

A bank%26#039;s loan officer rates applicants for credit. The ratings are normally distributed with a mean of 200 and a standard deviation of 50. If an applicant is randomly selected, find the probability of a rating that is between 200 and 275.

Indicated probability.?credit rating

P(200 %26lt; X %26lt; 275)

=standardize

= P((200-200)/50 %26lt; (X - 200)/50 %26lt; (275 - 200)/50)

= P(0 %26lt; Z %26lt; 75/50)

= P(0 %26lt; Z %26lt; 1,5)

= (use calculator for standardnormal dsitribution)

= 0,93319 - 0,5

= 0,43319

Can u help me with this project????

I have a project 2 do on %26quot;the different types of bank accounts an the rates of interest offered%26quot; 4 10th std.ICSE board exam. Pls. help me with it.It will be really useful if u tell me the rates of interest.

Can u help me with this project????rate my teacher

The basic bank accounts are - Savings account (for individuals) and current account (for companies). The interest rates are controlled and declared by the Reserve Bank of India from time to time and all the banks must follow those. If you visit the website of any bank, you will get the interest rates prevailing at present. Many banks publish their advertisments for fixed deposit schemes in the news paper or magazines... there you can get more details...

Can u help me with this project???? loan

Go to any bank website, BofA, Wamu, and check their rates of interest for their various accounts, including but not limited to, CD accounts, savings, checkings. Be sure not to confuse equitable securities with bank accounts.|||sorry dear|||sorry dear ,

i can%26#039;t tell to you about this matter . if have you ither type problem pls teel me ?

Questions on refinancing my mortgage?

I%26#039;m hoping someone can help. I am confused. My current loan is an ARM, for 30yrs. My payments went up this month. I need to refinance ASAP.

My loan is interest only, does that mean everything I paid in the last two years is lost?

I%26#039;m uncertain how much my house value as changed since the market is off. I had a bad experience with my last broker, right before closing my rates went up.

Are there any benefits dealing with a local bank? And are those rates they show on their websites legit? How would you choose the right one?

Who will most likely charge less in fees?

thank you : (

Questions on refinancing my mortgage?construction loans

The best scenarios for you to consider mortgage refinancing is when you owe a large amount and you still have many years of paying off your home loan. In consortium with other factors, your credit rating will determine either the approval or decline of your mortgage refinancing application; thus, efforts should be exercised in making sure that at least your credit score remains high.

While disclosure is required under the law many homeowners do not understand or pay attention to what they鈥檙e agreeing to when mortgage refinancing. Knowing the wholesale interest rate you qualify for when mortgage refinancing gives you an advantage and can help you avoid paying retail mark-up.

http://www.insightempire.com/mortgageref...

Questions on refinancing my mortgage?

loan

you are in the same position as many other people in the USA

on the interest only note, it means over the last two years you have only paid the interest on the note and not the principal

on can you refinance need to know more facts best to talk to some one but if you have a 100% note and the value of your home has decreased in the last two years you probably will not be able to refiance|||interest only loans dont make principal payments.

this means your original loan balance is the same.

if you refinance to a 30yr fixed....then your payment WILL go higher as you will be paying on the principal now.|||you may have a hard time refinancing because you have no equity in the house, in fact, you may owe more than the house is worth at this point. the money you paid in the last 2 yrs was interest only, so in a way, yes you just lost all that money. forget what you are reading in the paper and start calling some real banks and lenders and talking to real people about your situation. you dont want this arm to go up again and only be paying interest.|||It sounds like you might owe more on the house then it is worth.

Drive down to the local bank and see what they have to say. Do NOT get a mortgage over the internet, 99% of what you will see will be a scam.

100% of any offers posting in Answers will be scams.

Shop locally, live and in person for a mortgage.

Would you vote me for President ?

I know many don%26#039;t know me personally, but I have most of the anwers to turn this ugly world around. I can%26#039;t explain all of them here, but here%26#039;s a few things that I would do to help my fellow Americans out. Please tell me your thoughts, and for those who want to spew anger towards me, it%26#039;s fine, I can take it. Im the better person for understanding your anger with things the way they are. I can take the heat. Here it goes:

1. Healthcare for all Americans at a rate they can actually afford.

2. Affordable housing for everyone.

3. Property taxes in half (would take me 3 yrs)

4. No more immigration, take care of what%26#039;s here already, having millions more come in solves nothing.

5. I would increase jobs, and the joke minimim wage.

6. I would limit outsourcing jobs so Americans can feed their kids.

7. I would have banks lower their interest rates.

8. I would meet with world leaders, and stop all this hate in the world. I know its a lot, but would you vote for me ? I dont talk I do !

Would you vote me for President ?loans uk

Show me the money lol then act opon ur words

Would you vote me for President ? loan

Sure! You sound like my kinda guy.|||only one answer to your question if there is some one to save the world from disaster why not people all ways want a right choice|||It depends, all politicians lie to get elected and then never follow thru with the promises they have made. You would have to have a proven record say as a governor or something like that where you actually did what you said to get elected in the first place.|||erm...do u really have so much money to do all the things u promised?|||No. You are promising us everything, but don%26#039;t seem to understand the ideas of budget or reality.|||No, I wouldn%26#039;t vote for you. Who do you expect to pay for the loss in finances that will be lost to the ones who make this country run? The rich? Those are the ones who make our jobs, so folks can afford to live, period. Re-think your ideas, please. You have the heart, but you don%26#039;t have the reasonable means to accomplish what you wish.|||You sound like a liberal. Yes, you have some great ideas, but do you have any plan? All of what you are saying takes money...where are you gonna get it?|||Yeah, mate I%26#039;m in. You CAN%26quot;T POSSIBLY be any WORSE than that idiot that%26#039;s warming the seat at this moment!

One more math prob help pls...?

Find the indicated probability or percentage for the normally distributed variable.

One more math prob help pls...?yes loans

50%

The mean is 200 with a deviation of 50 either way. That means that the chances are 50 percent that the rating will be higher than 200 and 50 percen the rating will be lower than 200 because 200 is the mean.

One more math prob help pls...?

loan

Just stanarize using the mean and de variance and look for the answer in the proper tables

I am going to start a new business. Anyone know any sites and/or banks who have good merchant accoun

I am actually opening a call center and will be processing credit cards. Which bank has the best accounts for this?

I am going to start a new business. Anyone know any sites and/or banks who have good merchant account rates?..education loans

they all charge basically the same fees - open a business checking and merchant acct with the same bank you do your personal checking with

I am going to start a new business. Anyone know any sites and/or banks who have good merchant account rates?.. loan

You can also check this video tutorial for Site Build It!

http://videotour.sitesell.com/Kennedy.ht...

Good Luck!|||Most of my friends who own online businesses speak very highly of a company called Charge - see link below. They are a third party processor and appear to be very good from what I have heard. I have also done some research on them as well.

Hope this helps.

Regards|||Here is a payment method (free) to use in addition to your merchant account. Your customers can get your product or service free, yet you still get paid full price (advertisers). No fees and you can get $1,000 per referral.

http://www.provenseoservices.com/merchan...

A comparative study of loan against property of different banks?

loan against property policy of different private banks of india. their interest rate their criteria of giving loan ,max loan amount that they give age of person taking loan etc

A comparative study of loan against property of different banks?interest only loan

economic times newspaper might help u out for this

How do lenders work in terms of pre-approval?

I%26#039;m in southern California looking to borrow $260K in loan amount. I%26#039;ve looking around for various lenders with the best interest-rate. I see there are banks (Wamu, Bank of America, Wells Fargo, etc) and then there are lending companies that also do pre-approval. Well, I was using LendingTree and found matches that were with lenders outside of my state. One of which is Advance Mortgage Corp.

Now, what I don%26#039;t understand is, how does this work if I can%26#039;t meet with them face-to-face in my area? So, I can be pre-approved by a company in Utah, but how will the finanicial work if they%26#039;re not a bank? I%26#039;m confused on how national lending company works.

How do lenders work in terms of pre-approval?student loan consolidation

In general they will send you loan information in a good faith estimate that will detail the loan amount, payments, etc. From this you can make the choice as to whether it%26#039;s something you want.

How do lenders work in terms of pre-approval? loan

Pre approved doesn%26#039;t mean anything.they use it to

to get you to fill out a application.It don%26#039;t mean

your going to get a loan.Once you fill out a application.they sell it to a bank,who Selle%26#039;s it to

lending company that has a high % rate.|||These brokers/lenders have gone through the steps necessary to do business in your state. They will put the package together, get the approval, and send the documents to your location to be signed and returned. They will then sell the servicing to an investor to whom you will make your payments. At least, that is how it should work.

The problem that can occur is that they don%26#039;t do their job correctly, or they over promise and underdeliver, or they charge you more than they promised and you can%26#039;t get at them beacuse they are too far away. You may not even know if you are getting what you wre promised untilyou get to the closing table and realize that nothing is as you were told. This decision puts you at the mercy of people you know nothing about and who may or may not be ethical.

This is the price people pay when they shop for a loan based on rate only. It doesn%26#039;t do you any good to make a decision on something you have no guarantee you%26#039;ll get. Rate is only one component of what makes a mortgage loan the right one for your needs and goals.

You%26#039;d be much better off calling a local title company and getting referrals to 3 good, well known, experienced local loan officers with whom the escrow officers have had positive experiences.

We all sell to the same investors, rates are not going to differ that much but costs can vary greatly so compare the Annual Percentage Rate (APR) not the interest rate to find out which quotes are most cost effective. The closer the APR is to the interest rate quoted the less expensive the financing. You will find the APR on the Truth In Lending Disclosure. Run, don%26#039;t walk, from any loan officer who won%26#039;t give you one before you decide.

Good luck.|||You are advised to work with a local lender with whom you can have personal contact when needed. As a real estate agent, I have dealt with clients who used %26#039;telephone service%26#039; lenders, and the experiences have NOT been good. Late closing packages, delayed closings, and errors. And that%26#039;s not easy to repair when the lender is not nearby.

The worst I had was a simultaneous closing (one moving in and one moving out) and the distant lender didn%26#039;t perform as needed. After several telephone calls, we were told we would just have to delay closing for several days until they got it handled. Meanwhile, I had one couple sitting outside with a moving van of possessions and nowhere to go.|||The company with whom you are working is a loan broker. They will look for the best terms and then, once you are signed up, will sell your loan. This is a common practice and not detrimental to you in any way. Both banks and other lenders do act as brokers.

The pre-approval is a handy tool to use when looking for a home, but it is not a guarantee from the company, nor is it a lock-in. If rates increase, so can the loan terms change.

How can I find out if Loan Agent screwed up?

Friend of mine just tried to purchase a home. Credit is ok, but stable income is an issue. However, the real estate company (which acts as lending broker and realtor) have given him positive assurances for several weeks. It%26#039;s been nearly a month and he keeps being told all is fine. He was told three weeks ago to give notice at his apartment as of the 1st. Twice last week he was told he%26#039;d get the final dox and keys in the coming days. Today, (31st) he was told the bank rejected the loan because of the shaky income. Seems to me this means either the broker sat on the paperwork for a couple weeks before submitting it, or the bank rejected it a couple weeks back and the lender%26#039;s been looking for alternatives. Long story short, tomorrow%26#039;s the 1st and he and his roommate have to be out of the apartment...they can%26#039;t extend it. Broker says he%26#039;s looking for other lenders (at a now higher rate). Is it likely the bank took a month to decide income was an issue?

How can I find out if Loan Agent screwed up?small business loans

Your friend needs an attorney. And a call to both the state banking regulator and real estate licensing board would be in order as well. Your friend was complicit in the mortgage fraud by allowing the deposit to his account but coming clean quickly may help to minimize his legal exposure. (Personally I%26#039;d empty the account as well, but that%26#039;s just me.)

How can I find out if Loan Agent screwed up? loan

Yes, I think the real estate broker screwed up.

It sounds to me like your friend did not qualify for the loan to begin with, but the real estate company and the loan officer tried to slip it by the lender and the lender caught what they were doing and denied the loan. The fact that they deposited money in your friends account makes that particularly clear.

It is not legal for the real estate broker or loan officer to deposit money in your friends account to make it look like your friend had the money in the account if that is part of the requirement to qualify for the loan.

My recommendation is that your friend insist that the real estate broker find your friend an equally desirable apartment at the same rent that he was paying or less, or the real estate broker should be prepared to have your friend come live at the real estate brokers house rent free until he finds him another house and a loan that he can qualify for.

The real estate broker who deposited the funds in your friend%26#039;s account also has the problem that those funds now belong to your friend. I recommend that your friend keep those funds as damages for what the real estate broker did to him. The real estate broker will be furious but he has put himself in a position that he cannot force your friend to give him the money back.

The real estate broker outsmarted himself.|||The loan company did not only screw up, but engaged in lender fraud. Any loan brokerage which deposits such finds in a client%26#039;s account to deceive the underwriter should be reported to the Attorney General of whatever state in which this occurred.

Tuesday, July 14, 2009

Please dont laugh at this question !!!! But do banks have a code of ethics/practice to adhere to?

My query is that i researched the best isa and went into my branch to withdraw money to put it into another bank that was offereing a better isa rate.

The clerkess went to speak to someone and i was asked to go into another room where the person advised me to make an appointment to look at their products. she said that the one that i had looked at must have some penalty and that theirs was just as good (however i had looked at theirs and it was not). However i am a bit ignorant about these things and made appointment and did not open account in other bank.

My query is - can my bank advise me to open an account with them even if they know theirs is not the best? are they bound by any code of practice not to do this that is not in the interest of the customer?

Please dont laugh at this question !!!! But do banks have a code of ethics/practice to adhere to?boat loans

their is a banking code (www.bankingcode.og.uk) but this wouldn%26#039;t cover trying to sell you a product as they are a commercial business, they couldn%26#039;t directly lie to you about what they offer but saying theirs is the best is just salesmenship and is a subjective point anyway. At the end of the day all businesses say they put the customer first, but their main priority will always be to shareholder profit.

Please dont laugh at this question !!!! But do banks have a code of ethics/practice to adhere to? loan

there sure is. u can pick up a broshure guide from ur local branch|||Of course they aint!! they are in effect SALESpeople!! so they will tell you their stuff is better. make ya own choices. u did the research u put ya money where ya like after all it is yours!!|||Of course your bank wants your business so they will tell you there account is better so that they earn from you not another bank!! All banks have codes of practice to adhere to laid down the FSA bu that does not mean that they cannot try to sell you a new product|||Businesses exist to make money not to %26quot;look out for the best interest of the customer%26quot;. It is good business practice to try to keep you as a customer through good customer service as well as persuasive tactics like the delay you were advised to make. Personally, if I was sure I was right about being in a better situation at the other instutution I would have demanded my money.|||A bank can do anything (legal)to try and retain a customer....often if you explain the details of another bank%26#039;s offer, the Branch manager or investment manager may offer to meet and beat the deal.....As far as codes and ethics....almost all banking regulations have been allowed to lapse since Bush took office....which is why there are credit card offers with rates that would make a loan shark look like a good deal! It may not do any harm to meet with your bank rep before you change banks to see if you can negotiate a better deal before you leave....but you may not be that vested in that particular bank relationship and feel it is worth giving up without the hassle. You can decline to meet with anyone when asked.....

hope this helps.|||you can put your money in more than one bank to get the best rate they can not force you to keep an account with them, you can close out an account as long as all is paid and their are no bills pending like automatic payments or you will have problems. talk to your personal banker and he or she will walk you through your account and you have to notify all the companies that get automated payments out of your account and when you have a new account. this protects you and keeps your credit in good standing with your bills.|||Most banks will have a written ethical standards statement that they communicate to their employees and the public, but it is a guideline with little concrete direction. Any employee of the bank who tells you another bank%26#039;s offer is superior is showing disloyalty to their employer and should be fired. Reserving such an opinion is completely proper for the employee. If this bank%26#039;s employee states %26quot;theirs is just as good%26quot;, ask for a comparison point by point to back up that claim. Sometimes there are additional features to a product that are hard to compare, but which would make the employee state equality. Cut them some slack--they are just trying to keep you as a customer!|||Remember, a bank is a business with a goal of making money. When giving financial advice, a bank does not have a fiduciary responsibility to you, the consumer. Take their advice with a grain of salt.

A certified financial planner is your better bet as they do have a fiduciary responsibility to you as well as following a strict code of ethics.

http://www.cfp.net/|||They can advise you , but obviously only on their own products and they should not be rubbishing any other banks product

If you are satisfied that your research has found a better home for your money , then just tell them that this is what you want to do .

The only time you will get independent advice is when you consult an in dependant financial adviser , but this information is NOT free .

If the staff at the branch are being difficult then perhaps you should consider if your really want to bank with them

I would listen to what they have to say in terms of comparison of products , but don%26#039;t let them talk you out of something you are convinced is right for you.|||All banks will try to keep your money in their bank. That is why when looking at the product you have to research the banks in your area for the best deal for you. They follow a code of ethics but that does not mean they will send you else where if they carry the same product. Sometimes, you will find a Representative that will tell you to go to the competitor but they are far and few between. Alot of Representatives make a commission on sales /accounts opened so sending you somewhere else takes money from their pockets. That is not unethical. That is why your research is so important. They will not be looking for your best interest unless it involves their products.|||Yes banks have to follow rules by the FSA (Financial Services Authority). I know how banks work because i used to be one of the counter staff. They have targets to meet, the same as any business so if someone comes in and asks to move their money to another bank then they have to try to do all they can to stop you leaving. Whilst this is annoying i totally sympathise with the clerkess as i hated working in a bank. it%26#039;s all targets and no customer service anymore. while i was there i would read through the details of the account that the customer wantd to open and try to help them out as best i could, given what information was in front of me. i wouldn%26#039;t advise them, i wasn%26#039;t allowed, you have to give them the info then let them make their mind up. I was friends with alot of customers and if our account wasn%26#039;t as good, i%26#039;d tell them.|||Banking is the activities of using money and supplying banking services for profit.

If you are a customer of a bank, that bank will try its best to offer you the best interest rates, products and efficient service for you to continue to be its customers. In banking this is called %26#039;good bank and customers relationship.%26#039;

Banking is a very competitive business and banks are not bound by any code of practises to do their business.

However, the amount of interest they give to customers are the same, but their banking charges they charge their customers are different and the products they offer their customers comes in different forms.

The real benefits which banks can offer their customers is how quick and efficient services it can provide, and the various types of loans it can offer to their customers for their business or personal needs.|||It%26#039;s really down to you to decide with the information to hand what%26#039;s best for you. Any business will try and persuade you that its product is best- there is nothing unethical in that. It is common sense that advise from a bank is not unbiased.

You should never withdraw cash from an ISA to transfer it to another one- you should always open the new ISA

If you haven%26#039;t yet toped up your old ISA since 5th April, you can still open a new one.|||Not laughing. What they do is to say nothing. Try telling them about a better rate that you havfound and you will greeted with a blank stare. So they are not lying. I think I remember my grandmother telling me about sins of omission and commission.

Thursday, July 16, 2009

Tuesday, July 14, 2009

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