Filing taxes even thought i didn't work?

is there any way to get anything even though i didn%26#039;t work? i haven%26#039;t paid anything on my school loans because i am in school now, and i have 2 kids.

Filing taxes even thought i didn%26#039;t work?

If you had no taxable income in 2006, you would only need to file to claim the Phone Tax Rebate. That%26#039;s $30 if only one exemption is claimed on your return, $40 for 2, $50 for 3 or $60 for 4 or more. If you had phone service with long distance service at any time between March of 2003 and July of 2006, you can claim the credit.

Filing taxes even thought i didn%26#039;t work?

The only reason to file a tax return is to report earnings, whatever kind. If you would only work part time for a while to get somekind of income. you would qualify for earned income credit, meaning the government will pay you to work, you get all your withholdings back and then some extra depending on your exemptions and amout you made...Sorry, no income, no tax return....

Filing taxes even thought i didn%26#039;t work?

yeah, you have to claim any alomony, or child support you have gotten in the year.....

Filing taxes even thought i didn%26#039;t work?

Try turbotax. Fill everything out and see if you get a refund. Doesn%26#039;t cost anything to use it, unless you file but since you didn%26#039;t make anything you can do it for free. Go to irs.gov and click on free file, then click on turbo tax.

Filing taxes even thought i didn%26#039;t work?

try the turbo tax

go through the following links

Turbo Tax online Free E-filing Savings

http://www.online-couponcodes.com/online...

Turbo Tax Online Federal and State Free E-filing: Maximize Tax Deductions

http://www.online-couponcodes.com/online...

Creditor help. How do i get them to stop calling my job and friends?

i have a creditor calling my house, friends and job, I dont mind them calling my house, but i dont want them to call my friends or job, i dont want to tell the creditor to stop calling them cause im affraid i wont, do i have to fax or send them something in writing or can a verbal warning be enough? how would i even get their address? any suggestions?

p.s. he wants me to pay for school loans...I%26#039;m still in school.

Creditor help. How do i get them to stop calling my job and friends?

By law they cannot contact your employer, and why would they call your friends? How did they get your friends%26#039; phone numbers? The friends need to put their numbers on the %26quot;Don%26#039;t Call List%26quot; with your state, and specifically list the creditor%26#039;s phone number as making harassing phone calls on a debt that isn%26#039;t theirs. As you to you, if you are still in school, go to your school counselor and tell them what%26#039;s going on. They can probably help with this.

Creditor help. How do i get them to stop calling my job and friends?

Just tell them to stop calling you at work, your friends, whatever. They aren%26#039;t supposed to call you at work anyway. I live in IL and according to the Fair Debt Collections Act, if you tell them to stop calling, they have to stop.

Creditor help. How do i get them to stop calling my job and friends?

If you%26#039;re still in school you can defer your loans until you graduate or drop out. You shouldn%26#039;t have to repay student loans when you%26#039;re still in school.

How does one become a winner?

I have a AA degree in psychology. A BA in Political Science/History. I own several properties. Yes, I have major debt because of properties and school loans. I work as a bellhop in a hotel. However, I manage to make ends meet. I%26#039;ve been a bellhop for 15 years. I did not aspire to become a bellhop for my mission in life. I have tryed other careers such as sales, to counseling, to bartending, to cleaning pools, construction, waiting tables, to working in a office, data entry, limo driving, and working in nursing. I have tryed every career under the sun with no real fulfillment. I always go back to being bellhop cause the money is easy(30K a year) and the flexible hours. I like the lifestyle. I hate 9-5 jobs. Now that I have major debt and a college degree I need a real career and need success in life. I wanted to go to law school but too much debt. Office work stinks! I want to be a WINNER. How can I do it? what can I do?Already been to a career counselor. No help.

How does one become a winner?

Just trust yourself and listen to your inner voice.It has the right message for you.Ultimate winner is the person who is emotionally stable and keeps going.

Schlorships or financial aid ?

Does anyone know where I can get financial assistance. I filled out my FAFSA and I don%26#039;t qualify for aid, so I%26#039;ve taken out about $12,000 in school loans already and Iwant to know if there%26#039;s a better way to do this. I work full-time, but I make too much for aid, even though I can%26#039;t afford my bills. I%26#039;m 25 yrs. old, I recieve no money from my family, I couldn%26#039;t get schlorships because I got my GED when my father left, so I could work 2 full-time jobs to support my family when I was sixteen. I want to finish school so bad. I want to be a Radiation Therapist.

Schlorships or financial aid ?

Hello!

I%26#039;m Tory and I actually write a weekly Financial Aid Blog that can help you. My article this week (should be up in a few days) is all about scholarships and interesting ways to make it easier to pay for school.

I reccomend checking out my webpage http://www.toryforpresident.com. It%26#039;ll have some information I%26#039;m confident will help your questions about financial aid, loans and scholarships.

Basically, you can get a scholarship for anything- you just have to try and apply. There are SO MANY scholarships that go unclaimed every year because people do not apply or not know they exist.

What I recommend is googling your favorite hobbies/characteristics and the word scholarship. I found hundreds of crazy scholarships by doing this.

Also web pages like these will let you search for them as well:

www.scholarships.com

www.fastweb.com

www.college-scholarships.com

www.finaid.org/scholarships

www.guaranteed-scholarships.com

www.scholarshiphelp.org

Schlorships or financial aid ?

I would recommend contacting whichever college you are interested in attending, and ask to speak with one of their financial counselors. They know all about various sources for money. And apply for EVERYTHING, not just the big money grants. If you can write an essay and get $500 or $1000 towards books, its worth it, right?

Good luck!!

Schlorships or financial aid ?

You should go to your financial aid department at your school and they should have a list of scholarships that the school provides for their students and some others that the school doesn%26#039;t personally give out. At the school I%26#039;m attending they have one scholarship that isn%26#039;t just based on your financial figures, and let%26#039;s you explain your current situation (which I think is helpful). You could also look online, they have tons of essay scholarships or scholarships if you%26#039;re a minority, etc. Give it a look.

Good luck!

Schlorships or financial aid ?

The college you are wanting to attend should be able to help you, just call your school of choice financial aid office.

If a couple has $10,000, should they...?

Pay off some debt, like school loans and morgage?

Put it in savings, vacion, rainy day fund, retirement?

Put it into a child%26#039;s school savings?

Invest in a new vehicle, if theirs is 10 years old?

Invest in stocks?

What would you do with it?

If a couple has $10,000, should they...?

Put the money where it can give you the most value at this particular point in your lives.

Consider this order: Emergency fund (3-6 months of living expenses), high interest rate loans, retirement.

Mortgage is a long term debt, if it is comfortable for you at this time, leave it. Car? - does it run? Have you had trouble with it? Do you do the regular maintenance on it? If it works, and has no sign of giving up, then continue using the car - should you need to upgrade, consider recently used.

Children%26#039;s college fund? Make sure your retirement is good first, then look after the children. It makes no sense to make sure their college education is great, and then have no where to go come retirement.

Investing in stocks - this is probably where your retirement money will be going. Stock investing is a 10year activity.

What would I do with it? I would use it on whatever is the most important thing to me at the time I had the money. Emergency fund, high interest debt, retirement, family, entertainment, work.

Good luck

I am available - you can contact me directly via my website

If a couple has $10,000, should they...?

Pay off the highest interest loans first. Only save if you can get a higher rate of return than what you are paying off in interest.

If a couple has $10,000, should they...?

diversify.

$2000 towards a savings bond for the kid%26#039;s education fund.

$1000 towards a rainy day savings account.

$5000 in blue chip stocks or even buy some Netflix stock.

$2000 towards home improvement.

If a couple has $10,000, should they...?

pay down debt and work on a budget to start saving money so that you can do the rest of the things you want to do.

If a couple has $10,000, should they...?

Pay off your debt first, starting with the highest interest ones. That would probably be your credit cards.

If a couple has $10,000, should they...?

Pay off debt first, then do whatever you want.

If a couple has $10,000, should they...?

Try the 10x10x80 rule. Give 10% to God, put 10% in savings, then use the other 80% for personal needs. In this case, paying off high interest debt.

If a couple has $10,000, should they...?

Try to open your own business-

If a couple has $10,000, should they...?

Don%26#039;t pay off the school loans or mortgage! The interest on them is like %26quot;free money%26quot;, as it is tax deductible. If you don%26#039;t have any %26quot;rainy day fund%26quot;, you%26#039;d be wise to put a few thousand back for that, because you never know what can come up over the horizon. Think long term.....what will yield you the maximum pay out in the years to come. I personally would pay down any credit card debt first, then figure out what to do with the rest. The new car, though, should be an absolute last purchase, as it%26#039;s a luxury.

If a couple has $10,000, should they...?

If you have $10,000, you should pay any credit cards you have. Don%26#039;t put it in your house or your school loans because those are good debts (school loans have very low rates anyways). Don%26#039;t buy a car, you%26#039;re not gonna be able to find a decent car for this size anyway. It%26#039;s better if you use your car now until it dies. I would put it in a CD. It is recommended that people have at least 3 months salary saved up for emergencies or if you lose your job.

If a couple has $10,000, should they...?

if the only debt is school loans and morgage then I would skip that one.

2000 savings would be good, for emergency use only

school for the kids is important. I would put some into their savings

invest in a vechile, yes, yes, yes.

I would, pay off debt to my mom, 3500

I would put 2000 to save

I would figure out a new car, I still owe 3000 on my current

7 yr old, but the trans is slipping.

If a couple has $10,000, should they...?

Like everyone else says...pay off as much of your high-interest credit card debt first. If you don%26#039;t have a %26quot;rainy day fund%26quot; equal to at least three months living expenses (house payment/car payment/groceries/utilities) (six months is better) contribute the rest of the $10,000 there.

If a couple has $10,000, should they...?

Just follow this diagram:

1) Is your Interest Rate higher than 9.60%? If Yes Go to 4) If No Continue

2) Invest in stocks with the help of a Financial Advisor, Portfolio Manager or with my help.

3) End

4) Pay the debt with the highest interest rate.

5) Do you still have money left? If Yes Go to 1) If No Go to 3

Millions of children want to go to school and you need to pay back your loan to send another children to school and reduce the number of criminals on the streets by one.

Vacations are nice. But I rather die with a home for my children than to give $10,000.00 to Holiday Inn and other companies and die homeless.

%26quot;Invest in a new vehicle%26quot;

The only way to invest in a new vehicle is if you sell it, rent it, lease it, drive it as a cab or something similar.

If you are a FAMILY and you use your car to TRANSPORT from A to B you are not investing in a vehicle you are SPENDING IN A NEW VEHICLE.

This means the $10,000 are now gone forever and you will never get back that money even if you sell the car.

If a couple has $10,000, should they...?

Pay of debt, hands down.

It will save you money in the long run, and the feeling of being debt-free is awesome.

Help Me Decide Where To Live(NY v. DC)?

i currently live in the south and am ready to leave. i just graduated from law school so i need to find a job very very soon. i have the option of NY and DC, which are very cool cities. I haven%26#039;t been to NY yet but I love what I saw of DC a few months ago. i%26#039;ve never lived away from home before and i%26#039;m really attached to my family and friends in NC. I also have like $1k to my name, though I%26#039;d have a free place to stay in either location. i%26#039;m 25 and i want to work towards owning my own home and saving to start a business and paying off my school loans...where would you go?

Help Me Decide Where To Live(NY v. DC)?

You want to own your own home? Stay clear of both cities. It%26#039;s expensive! Also, if you only have $1000 to your name, that won%26#039;t be enough to get settled in either city.

If you want to live in a city, I%26#039;d suggest Chicago. It%26#039;s more laid back than any east coast city, and definitely a lot cheaper. It has a lot of great job opportunities and you%26#039;ll actually be able to afford a home there.

Help Me Decide Where To Live(NY v. DC)?

anywhere else

What does the Coast Guard Reserve have to offer a Paramedic?

I%26#039;m a 24 y/o NYS Paramedic with a bachelors in Health Science and I%26#039;m interested in the Coast Guard Reserve. What are the chances on going to war? What benefits are there in regards to school and paying school loans?

What does the Coast Guard Reserve have to offer a Paramedic?

we are already at war.....deplying with the CG reserves is minimal. If you find the right job, your EMT skills will be put to use. You need to ask the recruiter exact benefits.

What does the Coast Guard Reserve have to offer a Paramedic?

Im currently trying to process with the Coast Guard Reserve.. I don%26#039;t know anything about paramedics but I was very determined to get a solid answer about being shipped overseas ...

The recruiter told me that it is very unlikely, but you cant say never, and that the people that do go over seas want to go because their job is specific to the needs, particularly Iraq, In short don%26#039;t sign up for to be a port security specialist or operation specialist. Talk to the recruiter and ask about which jobs have the highest deployment rate. Theres not to many people in Iraq from the Coast Guard anyways compared to the other branches.

Schooling... The Coast Guard will give you 4500 dollars each year, all you have to do is take in your course schedule to them. The Reserve GI Bill qualifies you for 11,000 dollars, I%26#039;m not sure if this is for each six years you sign up for or overall. There planning to change the GI Bill though, so you might benefit more or less from it. I know the government will give you a good deal on a loan as well.

What does the Coast Guard Reserve have to offer a Paramedic?

Best place to get a definitive answer would be to speak with a recruiter.

Are there banks that consolidate your credit card debt so you can make just one payment a month?

Hi,

I am student and am getting nervous about my credit card debt ($5,000). It is such a hassle to pay on each card each month. I want to consolidate all the debt and make one payment each month and start paying them off. It%26#039;s difficult bc I am student and do not have an income. I have school loans I use while in law school. Any suggestions?

Are there banks that consolidate your credit card debt so you can make just one payment a month?

Most will let you get a consolidation loan. Have you tried getting a student loan and using that instead of a bank loan. This way you will not have to repay it until you graduate. Good luck!

Are there banks that consolidate your credit card debt so you can make just one payment a month?

Most banks will let you get a Consolidation Loan if your credit is good. But then you really have to be good and not spend on your cards again because then you%26#039;ll have a loan AND your card payments. - $5K is a small amount, you should be able to get a loan easy. Just find one with low rate to keep it all under control and within your budget.

Are there banks that consolidate your credit card debt so you can make just one payment a month?

Maybe this resources is useful for you,Have a look,it is free.Good luck for you.http://debt-consolidation.featured-resou...

What is a college degree worth ???

I hear the news and read the articles talking about how those people who obtain a degree make x% more than their peers who don%26#039;t go to college. I understand how they come up with this, however I look at my situation, and those around me and I just don%26#039;t see it.

I went to school for 3 years, I dropped out and now I%26#039;m now working for a national association and making more than enough money to support myself and my family. My employer knows that I don%26#039;t have a degree, and while he encourages me to get one he says that as long as I keep doing what I%26#039;m doing and using my %26quot;street smarts%26quot; to improve the business, he%26#039;ll keep me around.

I have friends who graduated, some who went on to get their masters degree, and most of them are still bar-tending, working for a family business, or working as management in retail stores with no benefits...all while paying off 40-60k in school loans...so my question is.... Is a degree as important as people say it is ?

What is a college degree worth ???

If I get an MBA from Harvard, and then I go apply for jobs as a bartender and accept one of those jobs and tend bar for 10 years; does that mean an MBA from Harvard is worthless?

I%26#039;ve heard of those people too. Some just want to tend bar %26#039;cause that%26#039;s what they like. For the most part though, they tend bar because they won%26#039;t get off their behind and go apply for a better job or because they won%26#039;t go where good jobs are because they%26#039;re still living at home with mommy.

Talk to some of these underemployed folks who bemoan their employment. Ask, %26#039;how many better positions did you apply for this week?%26#039; and you are likely to hear %26#039;none - I can%26#039;t find any%26#039; which means %26quot;hey, somebody, just hand me a good job, I%26#039;m too lazy to go find one on my own%26quot;

It%26#039;s apples and oranges. A college degree doesn%26#039;t mean the holder is motivated to get up off his --- and do anything with it. A college degree also doesn%26#039;t mean that employers will knock down your door and beg you to come work for them. It%26#039;s a tool, one of many in your tool kit. If you have one, you can elect to use it - if you don%26#039;t have one then you can%26#039;t use it and have to find a substitute. You don%26#039;t have to use it though - you can be a homeless beach bum if that%26#039;s what you want to be. It%26#039;s just that simple.

Maybe, the degree isn%26#039;t as important as people say it is. Maybe the stats from the US Census that show clearly (every single time they%26#039;re computed) that %26#039;on average, the higher your education the more you tend to make%26#039; are just wrong. Maybe, but I%26#039;m not buying it. I%26#039;m going with the rule of averages and thinking that the more education I get, the more valuable my own human capital. Whether I do anything with that capital is entirely up to me.

What is a college degree worth ???

a great job

What is a college degree worth ???

It%26#039;s worth more than people say it is.

What is a college degree worth ???

Everybody%26#039;s situation is different. Generalizations should not be made about this matter.

PS- It%26#039;s not all about the money and/or status to everyone. Some people just enjoy being more knowledgeable about the world around them.

What is a college degree worth ???

that number is an average, it means some will fall on either side. just because you have a degree doesnt mean youll make more money, but it usually helps. congrats on being an exception to a rule

What is a college degree worth ???

No. Einstein was a dropout. Try reading %26quot;Rich Dad, Poor Dad%26quot; by Robert Kiyosaki.

The bank doesn%26#039;t care what your report card says, but they do care about how well you can write a business plan.

What is a college degree worth ???

Well it%26#039;s getting to be where even having an associates degree isn%26#039;t enough. College is very important and the importance is just getting bigger. A bachelor degree or higher is a must in these times unless you become your own boss or business owner. And its nice to know that your boss will keep you around but if you ever want to advance, get your bachelors.

What is a college degree worth ???

Yes it is important. If your boss%26#039; business ever decline would he still keep you %26#039;around%26#039; guaranteed?? While a degree doesn%26#039;t guarantee a job...it sure gives preference over someone who doesn%26#039;t have one.

What is a college degree worth ???

It depends.

If you have a degree, but are not able to %26quot;sell yourself%26quot; in an interview, then the answer is %26quot;No, it%26#039;s not worth it.%26quot;

If you have a degree, but can %26quot;sell yourself,%26quot; then of course it%26#039;s worth it.

What is a college degree worth ???

yes,don%26#039;t get my rong it sounds like your real good off but if got a degree you could be manger some day. You should try to go to college and get a degree and you could be at the top of the top.

What is a college degree worth ???

A degree in a field that is in demand is valuable. Any degree may be helpful.

Your lack of a degree may become an issue in a few years, when your ability to be promoted could be blocked by not having one. Or it could cause problems if you have to find another job.

There are always people who don%26#039;t have degrees that do well, and people who do have degrees that don%26#039;t do well. They are the exceptions, not the usual experience.

Any Army people out there can help with this question?

I know I can contact a recruiter, but I don%26#039;t want to get hassled, and I want an honest answer.

I am former Army, still in the IRR. Will the Army pay for college, which I attend first, then I repay my obligation to them after I graduate?

Is this possible?, and if so, can I be called up during school in the event of an IRR call-up?

FYI, I didn%26#039;t elect the GI Bill, I got my previous school loans paid off. I have an associates degree.

Any Army people out there can help with this question?

Prior Army,myself are you saying you did active duty before you went IRR,and if so yes!the government will pay for you to go back to school, but according to you did not pay into the Montgomery G.I.bill that one for two dollar bit but that does not mean that the government won%26#039;t pay for your continued education.

There is a site on line called (Military.Com) for all of us military past and present go to it I believe it will answer all of your questions.

My friend you no as well as I do you can be called up even if your attending school and you will have to go and once you come back you%26#039;ll be able to pick up were you left off but I hope it does not come to that.

Once again check with MILITARY.COM.and join it,it is free and it is a good sight for all of us veterans,good luck my friend a fellow veteran.

Any Army people out there can help with this question?

As far as the hassling is concerned, sorry, but it is inevitable. However, simply out hassle them: always get the last word, and make sure your message is loud and clear. The Army can pay for college, but they don%26#039;t like to, so just read every thing twice before you dot the i%26#039;s and cross the t%26#039;s. As far as being pulled up is concerned, that%26#039;s a risk you take in time of war.

Any Army people out there can help with this question?

Dear Red Sox 7,

Contact your local Veterans Affairs office. They can direct you to the person or website regarding your question. If they cant help your local VA Hospital is another great place to start.

Good luck on the IRR issue, that depends on the War Status at the time. Here%26#039;s a cavat though, the IRR hasnt been called up while it%26#039;s been in it%26#039;s exsistance, so you can feel pretty safe about not being recalled to active reserve status.

Hope I helped

Any Army people out there can help with this question?

i believe it is possible but u have to ask urself if it is worth it because for every 1 year of schooling u have to sign a 3 year contract with uncle sam.

Any Army people out there can help with this question?

Only through an ROTC Scholarship.

Sorry

They have their own recruiters on the college campus and don%26#039;t %26quot;hassle%26quot; people, as obviously you want to be there.

Ret. USAF SNCO, Former Recruiter

Any Army people out there can help with this question?

Well you could apply for an ROTC scholarship. What you should have done was apply for the green to gold program while you were still on active duty. They would have sent you to college, paid for your school, and you would have still gotten paid a salary too. I don%26#039;t know if they let prior active duty guys apply, I doubt it, but it wouldn%26#039;t hurt to ask a recruiter. I wouldn%26#039;t worry about being hassled by a recruiter, you%26#039;ve actually been in the army so he won%26#039;t be able to bs you or anything.

How can someone (realistically) become rich?

People say hard work but I%26#039;ve been working alot lately 14 hrs a day and honestly sometimes I feel like thats the biggest lie on the planet. So how does someone realistically become rich. I know being rich does not make you happy. Being rich free%26#039;s you of any type of burden to live your life to the fullest. If you want to travel you can travel, if you want to create a business, you need money to do so. It%26#039;s not easy when you are broke, yet you are working your best on measly paychecks and can%26#039;t even go back to school because you have to pay off school loans already, not to mention bills light gas, phone food and everything else by yourself, I am in my early 20%26#039;s and honestly i am just sick of th1s sh1t as far as jobs go. i want real answers thanks

How can someone (realistically) become rich?

Self-improvement is going to be your best way of making money. You need to learn how to make your money work for you. When you sell your brains instead of your time, that%26#039;s when you make money. The library is free, books at the library are free, and you can learn anything. You can also get CDs to listen to. I%26#039;d start with %26quot;Rich Dad, Poor Dad%26quot; and %26quot;Seven Habits of Highly Successful People.%26quot;

How can someone (realistically) become rich?

Working and saving is working for millions of us but starting a business works for about 20% of the people that do it.

Working hard isn%26#039;t as important as being worth a lot per hour. You can work 14 hours a day at $10 and hour or work 8 hours at $25. Either way you are working and if you spend it all you accomplish nothing.

You have to think future not this week. Saving is very slow the first thousand can take a year because everytime you are close you have something happen, but keep it up and eventually you will be working on your second thousand. Soon you will have enough for the down payment on a little house and can get a roommate so you are paying less than rent and start building equity. Then you can borrow on your house to buy another property saving your little house as a rental, do that every few years and you will own 10 rentals and be making a little profit on half of them. Then doing nothing but maintaining them you will be building equity, raising rents and getting cash flow. Once you are making $200 each on the 10 houses you will have 2,000 a month to put into new rentals until you have enough to support yourself and your entire wages can go to investments.

How can someone (realistically) become rich?

The real answer is that it is a lie they tell us to think that we to can get rich one day by just working hard. Realistically it does not happen that often. Real %26quot;rags to riches%26quot; stories are hard to come by. Even if they tell you it was they still had a rich relative or sponser who helped them with their idea by funding them in the beginning. Its sad but you could want to be rich your whole life and never get there just by %26quot;hard work%26quot;. And this pap about

%26quot;never having a negative though will make you a millionaire%26quot;

ok logic people

How can someone (realistically) become rich?

Rich should be heart not by finance.

In finance you can become by Hard work in positive way %26amp; good Luck not bad luck.

Do you know how long will you live?

Do you know when will you become sick and how much will you spent on sickness?

In financial view you should look people who are less rich from you.

It will make you feel happy.

You should dream but don%26#039;t make yourself un happy.

Be chearfull don%26#039;t get tension and Enjoy your life.

You can buy bad but you can%26#039;t buy sleep. (Honestly)

How can someone (realistically) become rich?

Try a year on the mines, particularly in Port Hedland. For example, at Broadspectrum, you work a five day week, 12 hours a day for $1800 a week. At Downers, apparently you earn $2600 a week before penalties (time and a half for Saturdays and double on Sundays). (But don%26#039;t work for Bilfinger Berger Services unless you want to get screwed!)

For the mind, I%26#039;d definitely suggest the Law Of Attraction, aka The Secret. It%26#039;s so full on, you%26#039;d have to classify it as a religion! But I know it definitely works. The easiest example is, you%26#039;re thinking of someone, and they suddenly call you on the phone. You can apply that method of thinking on purpose, with money, relationships, work.

My mum spends so much time on it with her business in mind. She now has a $800,000 10th floor apartment in the city on the foreshore. Her friends are marketers but they never have a negative thought in mind, hence their success. One of her friends made $4.5 million in a weekend. Another gets $800,000 a year by just coaching people about writing sales letters.

There is so much money in the internet - particularly writing sales letter. You can charge $15,000 per job. There are many free ebooks on the internet. The more you read, the more you will know from different people%26#039;s views. You can study a subject, ie how to write a sales letter and when you know just about everything on it, hold a seminar in the capital cities. You can make anything up to $1 million or more from just this.

Then you have your own products - cheap ebooks that you can reproduce on your own computer, have it professionally printed for $2. Have a set of CDs/DVDs of ebooks and you can sell them up to $1250 each. People crave information, even if it is readily avaliable for free on the internet but the market is there and cannot be satisfied!!!

In a nutshell, find a subject you know so well. Market it, write about it and sell it.

Becoming a surgeon?

Does this sound correct?

4 years of college

4 years of med school

4-5 years of internship/residency/training(this is when school loans are mostly paid back)

so after about 12-13 yrs, your a surgeon and the income is sitting pretty at probably 200-300k

Becoming a surgeon?

Sounds about right it also depends on what kind of surgeon you want to be. If you want to specialize you usually do a fellowship after your residency. Also loans can be deferred while you%26#039;re doing your residency. It seems like a long process but it goes quicker than you can imagine :)

Becoming a surgeon?

You prolly want to tack on another year or 4 if you want to be a surgeon. Depending on the type of surgeon you want to be, it%26#039;s not unheard of to spend 8 yrs in residency, fellowships, etc.

And you don%26#039;t get paid much as a resident. You won%26#039;t be paying much of your school loans back during that time.

But yeah, afterwards, you salary is really high (it%26#039;s realistic to have over a $300k+ salary).

Becoming a surgeon?

Sounds like you got most of the info correct.

It is actually 5-8 years to become a surgeon and this depends on the specialty. Neurosurgeon is the highest and can take up to 12 years to complete residency/training.

Anways, good luck! You seem determined and I hope the best for you!

http://www.pre-med.info

Help me decide where to move (NY v. DC)?

i currently live in the south and am ready to leave. i just graduated from law school so i need to find a job very very soon. i have the option of NY and DC, which are very cool cities. I haven%26#039;t been to NY yet but I love what I saw of DC a few months ago. i%26#039;ve never lived away from home before and i%26#039;m really attached to my family and friends in NC. I also have like $1k to my name, though I%26#039;d have a free place to stay in either location. i%26#039;m 25 and i want to work towards owning my own home and saving to start a business and paying off my school loans...where would you go?

Help me decide where to move (NY v. DC)?

mmmm.

That%26#039;s hard.

New York is a very diffucult and expernsive place to live, even though it is one of the coolest places ever. If you%26#039;re looking for a place to settle down, I%26#039;d definetly go to DC. For your case, I think New York is a little too rough to get started in.

How do I pick an accountant?

What factors should I consider when trying to pick an accountant? This year I got married, bought a house, my wife is in graduate school, and I am repaying my school loans, so I am expecting to make out pretty well tax wise and would like to get a start on the impending tax season.

Also, are %26quot;chain%26quot; accountants like H%26amp;R Block or Jackson Hewitt any better/worse than local accountants? Is it better to work with a smaller accountant from whom I can get personal service?

How do I pick an accountant?

Wayne Z is right. You might find it helpful to make an itemized list of income and expenses. Your question actually gives you a pretty good start. Then attach some figures to them. That wil allow a CPA, Enrolled Agent or a chain preparer to give you an estimate. Seek quotes now, before we all get insanely busy.

How do I pick an accountant?

I think your situation is straightforward enough that you could just compare their fees and go with the lowest. It%26#039;s not like you have businesses or trusts or other complex situations. So, don%26#039;t pay up for a superstar when any average accountant can handle it.

How do I pick an accountant?

I know people that work for Block that know more about taxes than anyone. I also know people that work for Block that screw up relatively easy returns. I have seen CPA%26#039;s that grossly undercharge and I have seen some that grossly overcharge. Find someone you like and who explains things well and who has more than a couple years experience under his or her belt. Your return isn%26#039;t the most complex but it also isn%26#039;t the easiest.

How do I pick an accountant?

Stay away from the chain accountants. !!! H %26amp; R really did a number on us and we had numerous amendments to do because of their lack of knowledge with business !

Ask around ... AND I mean ask around local businesses ... do not ask the dipshit down the road that you know is evading taxes somehow, or the guy who constantly complains about paying taxes and the government!! You want to do things right so later you don%26#039;t need a tax attorney to defend a mess some halfass accountant got you into. : )

It is definitely worth it to pay someone smarter than you to work for you when it comes to tax prep.

We found ours by asking around and then going there to basically talk to him. We had a good feeling with him. He even handled an IRS call that had us crapping our pants but he took over and told them where the bear shlts in the woods !! What a guy !!

CHeck out a few before making your decision. Make sure you are comfortable and he/she proves they are more knowledgeable than YOU with the taxes!

Can A Prospective College Student Apply For A Federal Grant To Earn A Degree?

I am a student attending junior college and will be transfering to University in Spring 2009. I%26#039;m looking into oppurtunities and options that will possibly help pay for college when I do. Is it possible to apply for federal grants to attend University to earn a degree? I%26#039;m well aware applying for financial aide and school loans within the college system, but is it possible to obtain federal grants apart from school? How does one go about doing it? What does %26quot;writing%26quot; a grant involve? How lengthy is the actual document? Can anyone please provide information? Thank you!

Can A Prospective College Student Apply For A Federal Grant To Earn A Degree?

Your first step is filling out the FAFSA (www.fafsa.gov) and making sure you are eligible for aid. Once that is done, you will probably receive information from the schools to which you apply regarding your eligibility.

Additionally, you can use engines like fastweb.com to search for private scholarships. It is recommended that you fill out the FAFSA even when applying for private scholarships because those with need-based applications will generally still want your FAFSA information.

Good luck!

I want a house?

I live near chicago but I guess i want a house maybe downsouth or around chicago thats not that bad.

im 24 school loans are about to come in I work fulltime as tech support . my credit is not so good because of my phone service in the past (cell phone i was 20 and dumb)and also a bank bill(not much will pay off) and 1 doctor bill id say im about 3,000 in debt not including school which is about to be owed. Well I dont have too many things on my credit so i have little credit infractions and people see this as little to no credit. I want to know whats a good plan to get a house?

I want a house?

-Pay your existing debt off (excluding student loans) 閳?this will decrease your debt to income ratio

-Make your student loan payments on time 閳?this will raise your credit by proving you can pay an installment loan

-Consider getting a credit card if you don閳ユ獩 have one. Use it and then pay it off each month. 閳?this will raise your score by proving you can pay a revolving loan

Another option would be that if you have a parent with stellar credit, ask them to add you on to one of their oldest credit cards as an authorized user 閳?with the understanding that you will never use the card. You will automatically inherit that card閳ユ獨 credit history, which can be highly beneficial for a young person.

My mom did this for me when I was 20 and it didn閳ユ獩 take long for my score to be in the 700s. I got my first mortgage last year at 24 and my lender nearly fell out of his chair when he saw that I had 12 years worth of credit history.

What Determines My Credit Score?

The five main factors that determine your Credit Score are:

Payment History (approximately 35% of your score)

The factor that has the biggest impact on your score is whether you%26#039;ve paid past credit accounts on time. However, an overall good credit picture can outweigh a few late payments which will continue to have less impact over time unless the late payment is a mortgage payment.

Amounts Owed (approximately 30%)

Having credit accounts and owing money doesn%26#039;t mean you%26#039;re a high-risk borrower. But owing a lot of money on numerous accounts can suggest that you are financially overextended and may be more likely to make some payments late or not at all. Part of the science of scoring is determining how much debt is too much for a given credit profile.

Length of Credit History (approximately 15%)

In general, a longer credit history will increase your FICO score because it shows that you can responsibly manage your available credit over time. However, even people who have not been using credit very long may get high scores, depending on how the rest of their credit report looks.

New Credit (approximately 10%)

People today tend to have more credit and to shop for credit more frequently. But opening several credit accounts in a short period of time can represent greater risk - especially for people with short credit histories. Requests for new credit can also represent greater risk. However, FICO scores are able to distinguish between a search for many new credit accounts and rate shopping. FICO scores generally do not equate your rate search with higher credit risk.

Types of Credit in Use (approximately 10%)

Your FICO score will reflect a combination of credit cards, retail accounts, installment loans, finance company accounts and mortgage loans. While a healthy mix will improve your score, it is not necessary to have one of each, and it is not a good idea to open credit accounts you don%26#039;t intend to use. The credit mix usually won%26#039;t be a key factor in determining your score, but it will be more important if your credit report doesn%26#039;t have much other information on which to base a score.

I want a house?

You are more likely to get approved for a loan if you have a substantial down-payment. So start saving.

And keep your financial nose clean - pay all your bills on time.

I want a house?

Unless you have a pretty good income, those past due bills and especially that student loan may keep you from getting the house you want. If your credit score is low, your interest rate is going to be out of this world.

I want a house?

purchase lease to own or owner financing..

I want a house?

your best bet is to contact a mortgage company like Quicken loans (stay away from countrywide!) and see if they can approve you for a mortgage. they will ask you a bunch of questions and run your credit report and will be able to determine how much you would be eligible for. Once you are approved, you will know what your limit is to buya house.

I want a house?

No magic to it. Get your debts paid off, start using credit responsibly and start saving money.

I want a house?

Whining and wanting won%26#039;t get you there.

Repair your credit. See if you can reach an agreement with phone company to pay if off, but paying less than they claim you owe. Pay your bills, pay all bills on time, pay down ALL credit cards, always pay more than minimum on credit cards, pay off all cards having only one with a balance. Six months of this can improve your credit. Start saving money for down payment on car, house. Pay your student loans on time every month. DEFER purchases, asking yourself whether it%26#039;s Need or Want. You don%26#039;t Need that plasma TV. Limit eating out and entertainment expenses. Don%26#039;t become a monk, but don%26#039;t spend every penny you earn!

You sound like you%26#039;re thinking ahead and will be able to do this. Planning and implementing will get you there.

I want a house?

Banks are highly ressistant to lending to anyone woth any past credit issues right now. They are concerned of default risks.

What to do.

1. pay off your small debts first.

2. continue paying on other debts.

3. save 10-20% of you gross monthly income after that.

4. find out your credit score. It%26#039;s not free, but it will give you an idea where you stand credit wise.

http://www.myfico.com/

Good Luck!

How to get approved for a house loan with VA guarantee, imperfect but improved credit, only few thou

Income $60K to $75K from Soc. Sec., VA Disability, and business ownership. Less than $3K debts payable, deferred school loan payments, Bkrcy over 5 years ago. no current legal actions. Now,clearing small neg. items on credit report total under $1,000. Choice of home value in my area +-$500K.

How to get approved for a house loan with VA guarantee, imperfect but improved credit, only few thousand down?

If you have your VA certificate then you should have no problem getting a loan. You have a guaranteed income (SSDI and VA comp) and you won%26#039;t need anything down.

I purchased a home a year ago and am in the same boat you are. I paid nothing down, got VA mortgage fixed 30 year @ 5.7% and a year later, all those lenders are knocking down the door trying to get me to re-finance.

As long as you have no judgements on your credit report then you should do allright.

How to get approved for a house loan with VA guarantee, imperfect but improved credit, only few thousand down?

its better for you to try for an online loan.bcoz lot of banks in online lend home loan even you have bad credit also.i think that th e below website will help you to find the right solution.

Can i get a 1ts time home buyers loan with a credit score of 540?

i am self employed make 37 k per year increasing by 5- 10 k every year. i have a school loan in rehabilitation and it is 4k and thats it. plus a few small collections on my report.

Can i get a 1ts time home buyers loan with a credit score of 540?

Speaking as a nationally know credit score and lending expert (book, rado shows, newspaper columns, etc.):

Did you get your credit scores from an on-line service or a mortgage lender. The scores are very different, higher or lower!

That is too low of a score for a 100% loan, period. Sub-prime lenders now require 580 or 600 or 620 for 100% financing, depending on lender.

Fannie Mae%26#039;s %26quot;Flex 100%26quot; program may approve you on their computer underwriting now especially if you have a retirement account or cash reserves or stock/bonds saved.

Your self-employment is also a HUGE mortgage lending issue. Almost every lending company requires 2 years in business with various forms of proof of that being acceptable.

FHA lending is a small possibility. I have not been involved in that for years. They were recently in the news as possibly offering 100% financing but had always been 97%. FHA does not underwrite loans on scores. One year perfect credit and one year paying your rent (WITH PROOF--not money orders or cash or a letter from the landlord) are what makes FHA fly. 12 months on-time rent would be cancelled checks or a letter from a professional property managment company--or it showing on 12 bank statements in a row.

Mortgage lending is about 250X more complex than people think--it is NOT only about scores.

Can i get a 1ts time home buyers loan with a credit score of 540?

There are lots of programs out there; you could also likely get an 80/20 loan with a %26quot;seller 2nd%26quot; that might be forgiven at closing if you find the right house/seller. You need to get a good loan officer working for you right away. I recommend viewing the free evaluation form at

www.totaldebtsolutionsllc.com

They have a nationwide network of loan officers that they deal with who can likely get you into that home.

I want to buy a Home, how much loan am I eligible for?

I%26#039;m 33yrs old live in NJ, first time buyer. Earn $40,000 income, credit rating of 734, no credit card debt, car is paid off, only paying school loan of $41,000 my payment is about $320. *I also have $10,000 for a down payment. I know i can apply for a mortage and get an answer but i am not ready to start talking to people yet. Wondering if there is a recipe to figure out about how much I will have to work with!

I want to buy a Home, how much loan am I eligible for?

House pmt. P%26amp;I taxes, Ins, MIP 1033.00 @ month, or a mortgage a 6.5 % = $140,000.00 mtg. or a sales price of $150,000.00 w/ $10,000.00 dn. The equation is the following G.M.I. = $3,333.00 a month X 31% = total mo. housing expense , $3,333.00 X 43% = $1,433.00 total debt including h.p. Based on $40,000.00 yearly income. f y i , $140,000.00 X 5.99 (6.5%) = $838.60, plus taxes and insurance. Hope this helps, Good Luck!

I want to buy a Home, how much loan am I eligible for?

Your current debts are about 10% of your income and they want you under 35% max .

So , you should quality for a loan with payments of about $830 per month .

That would be principal , interest , property taxes , home insurance AND

Because you do not have 20% down , PMI .

I do not know what rate you would get on a 30 year fixed tho .

Ask 3 lenders for prequal letters .

They are free and only they can tell you the real numbers .

%26gt;

I want to buy a Home, how much loan am I eligible for?

Bankrate.com has a wonderful loan calculator. It%26#039;ll tell you how much you qualify for based on your income and today%26#039;s interest rates. You can also say what monthly payment you want to stay at, and it will tell you what price range to look in.

That%26#039;s actually what I%26#039;d do - find a monthly payment that%26#039;s comfortable to me %26amp; let that determine how much house to buy. They use 28 and 36% of income as the general rule, BUT if I used those numbers my monthly housing payment would be TWICE what it is now. I personally would prefer to have that money in my pocket to use for vacations, home improvements, etc.

Good luck!

He has no sense with money!?

i have been with my boyfriend for about two years i am 20 and he is 22. and i am at my wits end!!!! the title pretty much explains it, he has zero sense with money. he has bad credit, maxed out all his cards, has school loans and is not paying them, he owes me a lot of money and has the nerve to ask for more! (I didnt give him anymore, I told him I%26#039;m not giving him more he cant even afford to pay me back what he owes me right now). In his mind with regard to credit cards, if its available on the credit card, you can afford it. Which is why his credit cards will never be payed down completly, as soon as a little comes down he spends it and its maxed out again. when he cant decide what to buy anymore, he just gets more and more memory for his computer, and refuses to pack lunch to work, buy tons of food everyday and doesnt even eat it all, he%26#039;s so wasteful its unbelievable!

he refuses to talk with me about it, telling me to not talk about money, couples therapist is on his side! help!

He has no sense with money!?

Get rid of his sorry @ss. He sounds like a loser.

He has no sense with money!?

You need a new bf. How much water are you prepared to pour into a bucket with holes?

He has no sense with money!?

You can%26#039;t afford this loser. Tell him you%26#039;re leaving if he can%26#039;t get control of himself and, when he doesn%26#039;t, break it off with him. He;d be some millstone to drag through life! And talk about a crummy couples therapist! Jeez!

He has no sense with money!?

You better fire your couples therapist then! Is this the way you want to live your life? My friend let her bf talk her into using her credit to get him loans to buy things since his credit was shot! He completely ruined her credit too! They are now divorced with a child and she is slowly rebuilding her credit on her own. Only you can decide if this is what you want for your life, he%26#039;s not gonna change, you either have to leave or accept his behaviour.

He has no sense with money!?

give him an ultimatum either he gets his act together or you%26#039;re gone, maybe then he%26#039;ll realize that he needs to get his stuff together but be supportive and tell him you%26#039;ll do your best to help him with things but not by giving him money

He has no sense with money!?

Ooops! He is a looser! If I were you, I would walk away.

He will drag you down with him if you stick with him.

You are absolutely right not to give him more money, all you are doing by doing that is making him more DEPENDENT on you. If, after a period of time, you refuse to give him money, he will just go borrow it from someone else...wait and see, he will do it. He will take from anyone who will give it to him and he will think he is smart because the person giving him money is dumb enough to do it. But people wise up quickly, so he will run out of friends and family to loan him money. He sounds like he has never had any responsibility in his life and people have always given him everything he wanted.

Girls (women) are usually smarter, because they are thinking family and the future. I know at your age, my own wife was smarter with money than I was, but I was never an idiot like this kid you are dating. I always saw the value in saving money. When you are young, its like, you have your whole life in front of you and so spending now doesn%26#039;t make any difference...you can always earn more.

The smart person is the one who saves at an early age so that they can retire at an early age.

This kid, if you married him, would blow you financially outta the water. Better for you to move on and find somebody who is mature. If you loose your money, let it be a lesson to you.

Better to move on and just take the lesson in stride.

My advice: Get rid of him and find somebody who is more mature.

He has no sense with money!?

Well you can see what your future would be if you got serious and considered marriag. This is a HUGE red flag!!! One, he is a man, he shouldn%26#039;t be barrowing money form his gf. He needs to grow up, but unfortunitly you can%26#039;t make him and he sounds very unwilling to make any changes. YOu combine checking or credit anything like that, he will drag you down. DO NOT loan him more money, and start to be realistic. Ask yourself what he is bringing to the table of the relationship. No money isn%26#039;t everything, but it is the #1 reason why couples fight, and devorce. His ways are going to ruine him, and in his future he will have problems providing for children and wife. Not that she can%26#039;t help, but what about if she gets sick, or needs to be on bed rest durring preg. His broke *** won%26#039;t beable to handel it. Sorry, but this is stuff you need to think about. YOur only 20 and you weren%26#039;t put on this earth to provide financially for him. If he can%26#039;t get his stuff together and get into financial counseling and save his *** then it%26#039;s a bleek future. He won%26#039;t be able to buy a house, a car. I don%26#039;t have the best credit because my x husband ruined it for me behind my back. It has taken me 8 yrs. so far to recover and a bankruptcy. I am still struggling to fix it. I didn%26#039;t even do it. So what all he is doing is going to take him a long time to get out of and if he feels very close to you, then you better make sure he isn%26#039;t using your name on anything. I never thought my x would, but he sure did. Personally, if it were me, I%26#039;d ask him to go to a financial advisor and start fixing this. If he refused and didn%26#039;t want to talk about it, I%26#039;d break it off with him, because this is a huge show of how responsible he will be with things in his life and future and it will only put all stress and pressure on you. He will want you to put everything in your name and sooner or later it will be all you paying and eventually he will ruine you credit. And he will cause he clearly doesn%26#039;t comprehend how serious it is to ruine credit, he doesn%26#039;t respect himself enough to care, so why would he with your credit. Beware!!!!!!!

He has no sense with money!?

You share everything when it comes to the bills and the responsibility that comes with that. He has to be responsible for everything or get rid of his blank.

Sounds like you have separate money accounts and that is a good thing. Keep it that way. .

I think not getting married creates the problem because If you were married you could handle all the money. Cash his pay check and give him an allowance each week.

He has no sense with money!?

He sounds like a real loser. Get rid of him. He is always going to be that way and if youre looking for marriage or something serious, I suggest you find someone a tad more responsible

He has no sense with money!?

Dump the loser, before he drags you down with him...

This kind never learns. You%26#039;ll have no life with him

I'm going to have $80,000 in student loans? Can you please tell me what you think?

my parents didnt want to help play for my schooling, they were being cheap, so I had to take out a student loan. I dont know what to do if I dont get a good paying job after college, please give me SOME GOOD ADVICE. I dont want to hear anything sarcasm becuase I%26#039;ll just flag you.

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

You really must major in something that will make you marketable. Nobody really tells you this in college, at least when I was there, I kind of got this notion that all majors were created equal.

False. You should decide if your major is one that is promising or one that is not so promising. If it is not too late, switch majors. If it is too late for that, I would just shoot for graduate school. Maybe in something different than what you majored in.

Anyway, so many people have college degrees these days. Having a postgraduate degree today is like a person having a college degree 30 years ago.

To decide which major you should take, you kind of need to already have an idea of what you want to do. Look at the job description of jobs you might be interested in. They will say something like: Ideal candidates will have expertise in (for example) chemistry, physics, and biology. then shoot for that.

Generally speaking, the easier the major is, the harder it will be for you distinguish yourself from everyone else. The converse of this rule is not true -- some majors are really difficult, (philosophy) but are not in demand at all.

Good luck.

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

try calling your lender that you got your student loan through, you may qualify for a rate reduction or maybe they would extend the term so you can afford the payments.

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

you can defer your loans until you can afford to start paying them back

also you can refinance, but be careful if you do that often that takes away your ability to defer

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

A lot of people are in the same boat. I think it%26#039;s a better choice to be in debt with a degree, than degree free with no debt. Make sure that you finish your degree program. Also make sure that your degree is going to be something that will be in demand when you graduate.

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

Be thankful that you have a long time to pay them off. As far as how.... you will have to do some VERY strict budgeting when you have to start paying them back. In fact you may want to start that budgeting stuff now, and go ahead and have a savings account set up so that you have s/thing to fall back on if needed.

Don%26#039;t blame your parents, a lot of people ahve to get student loans, personally I think it makes us all work a lot harderwhen we are the ones footing the bills and the parents. I am sure there is a reason they didn%26#039;t/couldn%26#039;t help you.

Good luck with the job search. And depending on what field you are going into you may want to consider graduate school... more money when you hit the job market.

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

Think of it this way: Even though you will have student loan debt to repay, your income potential is so much higher since you have a college education! If you don%26#039;t find a job right after college, you can defer your loans for 6 months, but I would not advise you to do that, because they still accrue interest while they%26#039;re in deferment. Just try not to stress out and instead focus on finding a good job and enjoy the time you have left in college, it goes by way too fast!

I%26#039;m going to have $80,000 in student loans? Can you please tell me what you think?

You didn%26#039;t say what your family%26#039;s financial condition is, where you live, whether the loans were all at once, or total over the years, though even for Harvard, I would presume the latter, etc, etc, etc.

In other words, you didn%26#039;t give enough info for anyone to give a specific answer, so sarcasm may be all you get!

And, given your ungrateful attitude toward this community and even your parents ($80k is not cheap by anyone%26#039;s standards), my guess is that everyone%26#039;s answer will be deemed sarcastic by you.

Regardless, I%26#039;m going to give it a shot.

Can you go to a 2-year community college, which will significantly reduce costs?

Can you work while going to college?

Did you check for scholarships, etc?

Did you ask your high school counselors for help?

Did you ask your future (or is it current?) college for help?

And, finally, ditch the %26#039;tude, dude!

The last thing you want is enemies when you%26#039;re drowning in debt!

What interest rate could I get on a car loan with a credit rating of 594 to 605 and $1000 down?

I pay everything on time for the most part, but I have a lot of debt (3 mortgages and 1 school loan).

What interest rate could I get on a car loan with a credit rating of 594 to 605 and $1000 down?

you work and pay your bills new car you should get 0 deal if used 9 % or go to second chance it will be higher yet your almost sure to get accepted

What interest rate could I get on a car loan with a credit rating of 594 to 605 and $1000 down?

Car loans are a dime a dozen, but which one should you go for? Especially if you are a prudent consumer with a balanced budget, getting the right auto finance can be quite a challenge, what with so many auto finance providers%26lt;!--thrusting their offers in your face. Your dealer may even offer to do it for you. While this sounds really tempting, it may prove to be a costly affair. So do your own thing and check out the auto loans yourself.

http://badcreditloans.awardspace.com/

You can get these loans from a variety of sources, like banks and financial institutions and online financing companies. Dedicated auto finance companies usually offer better terms if you approach them directly rather than--%26gt;through some middleman. You should also keep in mind that your credit rating affects the interest rates and the amount of advance you can easily get, so if the picture is not too good on that front, you can begin by working towards improving your credit rating.

What interest rate could I get on a car loan with a credit rating of 594 to 605 and $1000 down?

Well you score isn%26#039;t too good and you have a lot of debt (3 mortgages??)..if you even qualify for a loan you%26#039;re going to pay a high interest rate. I would guess over 14% at least, and they will probably want at least 20% of the vehicle price as a down payment.

What interest rate could I get on a car loan with a credit rating of 594 to 605 and $1000 down?

Between 12% to 16%..................

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthi

Not familiar with today%26#039;s going rates. I%26#039;m currently in a 5yr ARM Interest only. I want a fixed rate, but are fixed rates only for people who plan to live in the house for 30 years. The 216,000 includes all credit cards, and school loans. What should I do?

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthistoomuch?

Let me add my two cents even though its appears you have some great answers already. My philosophy is if you plan on moving in five years or less than save some money and get another five year ARM with interest only again. Reason being over a five year period in a full PITI payment (principle interest taxes insurance) you are hardly going to pay anything towards principle anyway. It would make more sense to invest the savings into something that will have a return on your money instead. I deal with alot of people who are doing debt consolidation and I always show them the benefits. Coming from an interest only loan to a full piti loan your payment probably went up around $200 just to do that and then paying off the debt may have brought it up maybe $200 more depending on how much debt was paid off. It%26#039;s hard for me to sit here and say how much if any benefit other than starting to pay on principle there is without seeing all the numbers. As stated in other answers about $1600 as your new mortgage payment, as long as that included taxes and insurance I do feel its accurate based on 216k @ 6.875%. I hope this helps you but if you need any help or have any other questions please feel free to email me tadgeman@yahoo.com.

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthistoomuch?

No, is not much. I used to have a $140,000. 00%26#039;s house and my mortgage was $1500,so I think tha you had a pretty good deal.

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthistoomuch?

According to my calculations your payment with out escrows (taxes %26amp; insurance) your payment should be $1418.97. By doing a cash out reif you can get lower payments and also deduct the interest you pay every year from your taxes. SO as for paying off debt it is a great idea. Now as for the fixed rate. The national average is about 5 years of a family owning a home. SO if you know you will eventually move then fixed rates may not be right for you. You could lower your rate by getting a 10/1 ARM and save yourself more monthly money. it really boils down to what works best for you. I would weigh all options out on the table and comepare them to see which fits your need currently.

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthistoomuch?

I am more concerned with your rolling all your other debt in against your house. Yes, it makes some sense IF it brings your weighted average cost of debt down, BUT you need to change your lifestyle so you can service your debt or you will be in the same situation in a few years again, except the bank will own your house.

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthistoomuch?

IF it will help you, manage your money, pay off your debit - than yes it is a good thing to do. Your Fixed rate payment of 1418.97 (principle and interest) will Start 1-2 months from your closing date, plus you are paying off all your other credit cards, and school loans. Your interest at the end of the year will be tax deductable (you will get a 1099 INT from your Lender, that shows how much interest you paid for the year). You will get 2 (1) from the company you currently have a mtg from, and (1) from your new company. At least now you are paying down on your principle, and will eventually build up equity again down the road. It will not happen for awhile, but it will go down, especially if you stay in your home. I bought my home (fixed rate 6.5) in 1992 - did not think I would still be in the same home, but I am- so glad I have the fixed rate. You are the only one that can decided if you are saving any money.....add up your credit cards, student loans, etc.....plus what you are paying on your mtg now - are you saving anything? If not, at least you can take off all the interest on the mtg, where as before you could not take off the credit card interest or student loan interest.

I think you will be happy to be out of the interest only. I am a Mortgage Broker, and I have done many interest only loans - on property this is in a high demand area, and my clients were not going to be in the home more than 3-5 years....So they could turn around and sell the home, make a profit, and have lower payments.....

Go to this website: It will help you figure it out for you.

http://www.sayplanning.com/saygoodcredit...

Good Luck - You will get alot of answers. Pro %26amp; Con. BUt, you will make the right choice that in the long run HELPS your situation.

Refinancing my house 216,000 dollars at 6.875%, 30 year fixed rate and my payment will be 1600.isthistoomuch?

6.875 is the going rate for a 30 year fixed. It really depends on what your plans are in the future. If you plan on only living there for a few years you would be better off with a hybrid arm that is fixed for a 3,5,7 or 10 year period.

http://www.lendermark.com

My boyfriend wants to buy another motorcycle and I don't want him to.?

My boyfriend and I live together and we are talking about getting married. He has promised me we will be engaged by the end of this year.

Here is my problem: 4 months ago he sold his sport bike. He said it was too dangerous and he wants to not risk his life (like that) espeically since I am in his life now. Now, he is talking about buying another sport bike ($10,000). Not only do I not like the idea of him having a bike, but he is already $20K in debt with school loans and has a car payment. I am COMPLETELY debt free and have a large savings account. I want to buy a house after we get married and I don%26#039;t want to have to pay for it all, plus have to take on paying whatever debt he has left. He wants to buy this bike and doesn%26#039;t even have any money save for an engagement ring, and on top of that he says he will not pay more than $1,000 for a ring. I am not a greedy person, but does this seem odd?

Am I being unreasonable? Should I approve of him getting the bike? Advise, please!!!!

My boyfriend wants to buy another motorcycle and I don%26#039;t want him to.?

First off if he isn%26#039;t responsible enough to get himself out of debt.Before he adds new debt on.Don%26#039;t marry him unless and until he straightens out.If you marry him now you could be responsible for his debt.Has for the bike you know this has nothing to do with the danger of riding a bike.It is the fact that he would be willing to put 10,000 in to a bike.And only 1,000 into a ring for you.I understand that a ring is a symbol of his love and at this point You feel like he loves a bike more than you.It isn%26#039;t that he loves the bike more.It is that the bike is something he doesn%26#039;t have.But he already has you.He is a man and they are all over grown boys.They want the toys they want when they want them and have no regard for the consequences.If having a home is a dream you have.Than go for it.You don%26#039;t need him.You will have better chances of getting one with out him anyway.Because he has debt and if he debt is more than a certain percentage of his income.His debt to income ration will hurt you.So go buy a house for yourself and the family you want to have someday and don%26#039;t put off your dreams for any man.If a man really loves you he will incourage your dreams not cause you to have to give them up.If you want to stay with him.Put the house in your name and tell him the way to make it both of yours is to pay half of the expenses.Live with him but put off the wedding until you can get him to get rid of some of his debt.Maybe if you went out and bought a house or condo or something and moved out and left him were he is.He would take you more seriously about the debt thing.Maybe he is to compfortable letting you be the responsible one.He probably likes having someone around who he knows won%26#039;t let things go unpaid.That way he can spend his money on his toys.Scare the boy into reailty.Make him grow up and be responsible.If he loves you he will take the hint and straighten up.And if he doesn%26#039;t than you won%26#039;t waste you life and dreams on someone not worth it.

My boyfriend wants to buy another motorcycle and I don%26#039;t want him to.?

First of all, u cannot stop him from buying another bike. This should be a GREAT BIG RED FLAG to you for our marriage, if there is to be one. When two people do not agree on finances--big marriage trouble

My boyfriend wants to buy another motorcycle and I don%26#039;t want him to.?

Well, it%26#039;s his money, so there%26#039;s nothing for you to %26quot;approve of%26quot;. If he wants to spend it on corn dogs, its his right to do so. This would be a different story if you were living together and he wanted the bike without paying his share of the bills.

So now it%26#039;s up to you to decide if he%26#039;s the type of person that will pay his share or just depend on you.

My boyfriend wants to buy another motorcycle and I don%26#039;t want him to.?

First of all, he expects you to pay for the house. Just ncase you didn%26#039;t already know that. and second, if you already have problems with him and your not married, you better get rid of him now.

My boyfriend wants to buy another motorcycle and I don%26#039;t want him to.?

He doesn%26#039;t take your feelings into account now. This is something that will NOT get better with time.

My boyfriend wants to buy another motorcycle and I don%26#039;t want him to.?

It doesn%26#039;t matter if you want him to or not. He does not need your approval. You are not married. He%26#039;s a %26quot;big boy%26quot; obviously and can do what he likes with his money, or credit, or whatever.

However, doesn%26#039;t sound like you two are on the same page. Your first mistake is living with him. Your second mistake is planning what is going to happen in the marriage before you are even engaged. Your third mistake is thinking you can change him.

Solution: Move out on your own independently, live your own life. Keep dating him if you like, but don%26#039;t get engaged until he is more responsible with money. If he doesn%26#039;t smarten up, time to move on.

And, by the way, the average price for an engagement ring is $600 to 800. That buys a PLENTY nice ring! It IS the SYMBOLISM of the ring which matters, and a mature woman would know that.

You do have a LOT of money hangups, you know....

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this

my girlfriend isn%26#039;t the type of person that likes to spend a lot of time with her boyfriend and when she does(seeing each other several days in a row,numerous phone calls,etc.)she pulls back and gets distant.lately she%26#039;s become less affectionate and she says she doesn%26#039;t know why.i think it has to do with her job(she hates it),her living situation(living at home due to school loans) and that she has put on a couple of pounds.the problem is is that it%26#039;s affecting our relationship and i don%26#039;t want it to.i%26#039;m thinking that maybe we should go to counseling but it%26#039;s hard to tell that to her because she gets defensive.i%26#039;m very diplomatic when it comes to bringing up a problem with us,but we%26#039;ve talked about this several times and haven%26#039;t come up with a solution yet.we have both stated that we don%26#039;t want the relationship to end,but this %26quot;no affection%26quot; thing has become a problem for both of us.it%26#039;s not all about sex,it%26#039;s the emotional affection that has also slowed down.thank you for any help.

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this way?

I have been in a similar situation. I %26amp; my exes have both been defensive when it comes to going to counseling/therapy b/c it IS uncomfortable telling problems to a total stranger. I would either try discussing the whole matter with her one more time in a calm/rational manner IF possible. If she doesn%26#039;t want to the relationship to end %26amp; you feel counseling might help?: make a deal with her that she goes with you one time %26amp; if she doesn%26#039;t like it don%26#039;t go back. If she REALLY cares she%26#039;ll listen %26amp; take your feelings %26amp; suggestions into consideration. Good luck.

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this way?

Wow this sounds frighteningly familiar. This is the exact situation going on between me and my husband. I also would get very defensive, and I can%26#039;t tell you why except that I was very insecure with myself. Honestly I think the best thing is to try your best not to accuse or attack but to say things like I think you are unhappy and can I help, I am here to support you, lots of I love you, and show that support. I wish I would have listened to my husband but I just think I was afraid and ashamed of how I felt. Now 15 years of this and we are not sure if we can recover. I hope we can, but you need to take care of this before it goes too long. Best of luck.

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this way?

you need to talk to her. not right away though, give it time, if she is acting like that something is wrong. just ask her every once in a while what%26#039;s going on and if she just gets defensive or yells or something then don%26#039;t get offended, just change the subject. she will tell you what%26#039;s going on when she is ready. sometimes she might not feel comfortable telling you and thats ok. it doesn%26#039;t mean she hates you. just tell her that she needs to tell someone, anyone what is going on even if it%26#039;s not you she tells. good luck

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this way?

I don%26#039;t know how long you have been dating, but it sounds like a long-term thing. Good for you for suggesting counseling. She sounds depressed. When I get depressed, I often want to be left alone, and it took me a few years to realize that I lashed out at people I loved when I felt bad. Why don%26#039;t you take baby steps. Help her with her resume. When you spend time with her, help her study for exams; quiz her on her material. She may just be stressed because she has so much going on, and resent you unconsciously when you take up too much of her free time. It sounds like she needs some peace and quiet. Maybe this summer, you can take her to the beach or a lake for a weekend so she can recuperate. Keep being patient with her. Once her situation changes and she has a normal schedule, she will realize that you%26#039;re a gem = )

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this way?

I feel for you. while i was in college i was in a bad living situation, hard school situation and was going through a bought with depression. my boyfriend (now husband) stood by me and just comforted me and showed me love, whether or not i showed it to him.....I was however going to counsling during this time (we only saw oneanother on weekends).....

so i think your diagnosis is correct, and i think you just need to be there for her as it is a very strong statement. Ask her if it would help her to talk to a counslor (at schools they have a free counslor--thats were i went). Good luck and said a prayer for you two.

To the girls on this site can you maybe give me some insight as to why my girlfriend is acting this way?

Oh my gosh, bless your heart, you are going to have a rough time most likely if you are going to stick this out and see her through it. In my opinion chances are that she Will come around out of it, but it could take a while....especially if waiting for environmental situations to change. It could be a combination of stress, depression, hormones, or self conceit. Obviously she has got a lot of issues going on and is less than able, if willing, to contribute what she needs towards a fulfilling relationship at the moment. She really probably does NOT know why she is lacking in affection, she is not doing it consciously, it is a result of some other issue preoccupying her mind. But it is NOT anything wrong with YOU. She is not paying attention to if your needs are being met, something she can hopefully grow out of, but yes will take effort, counseling, acknowledgment. She is defensive when you bring it up because she wants to overcome her difficulties On Her Own, doesnt like neediness. Im guessing she obsesses about her imperfections. Try to encourage her to relax, maybe enjoy an peaceful simple activity together....point out to her the things you admire about her, the qualities that make her so worthwhile to you; remind her that these setbacks are not permanent--new jobs opportunities come, school loans get paid, pounds are shed, %26quot;This Too Shall Pass%26quot; There is nothing weak about getting an educated expert%26#039;s objective opinion, on the contrary--striving to weed out imperfections (limiting behaviors) makes for a stronger healthier garden (relationship). The good news is she should be tremendously grateful to have someone so patient and dedicated to stay by her side while she is going through these obstacles--willing to go through them with her..... to have someone that truly loves her during good times and bad, sickness and health........for better or for worse.

College....a scam???

You go to college for 4-5 years and accumulate 40k in school loans and then you get a job for only 35-40k. I think there is something wrong here!!!!!! I am in debt. What a marketing scam this is!!!!

College....a scam???

Haha I agree! I wish I didn%26#039;t waste 4-5 years in college. I mean, I definitely learned a lot but it doesn%26#039;t relate to what I do now.

If I knew then what I know now, I wouldn%26#039;t have went to college.

College....a scam???

College was never meant for everyone - it was meant for the intellectual and social elite. You didn%26#039;t have to go to college, and you didn%26#039;t have to take out loans, so suck it up and pay your loans off. In the end, your college education will be more thatn paid for through your employment.

College....a scam???

If you can get a degree for 40k and start at 40k, I must tell you that%26#039;s a deal.

Most people pay over 50k for a degree and start around 30k.

College....a scam???

Why did you go to an expensive college? Why didn%26#039;t you go to a JC for your AA and then finish off at a university for your bachelors? That way you get it for half price.

Why didn%26#039;t you take the initiative to apply for grants or scholarships?

Why are you such a poor planner?

Why did you pick a degree that had such a low starting salary if you were worried about paying off loans quicker?

College....a scam???

If it took 5 years to accumulate 40k in college debt, then you need to compare it to 5 years of 40K salary, which totals 200k. Quite a deal, actually.

How much do you think you would be able to pull in a year without a degree?

What will do if you are me? (detail answer only)?

After parting way with someone you thought you would surely marry, due to their lies. Been on a tight budget since college, graduated, but can%26#039;t find a job. Wrecked your car in an accident.

Stress caused stomach pain, weaken overall and personality changed.

After awhile, found out the accident cause damage in my brain, leading to a type of epilepsy call complex partial seizure - all 5 senses - touch, smell, sight, hearing, speech are all affected when the seizure occur. Most damaging is its effect on consciousness - causing me to be unaware of anything while it occur. Leading to my driver license to be taken away - job searching became much more complex.

Dealing with things ...

Going anywhere is a pain, depending on other people

Money is no problem since there are none to begin with

Stress only seem to increase with time

Medication require money

She got engaged/delete number but can%26#039;t forget

Credit card collection calls

School loans..

all at once!

passage to adulthood? haha

What will do if you are me? (detail answer only)?

Wow! You sure have my sympathy.

There is probably a support group you can join - check it out. Having others to talk it out with helps. Psychological counseling is a good idea, too. Don%26#039;t give up, and don%26#039;t lose your self-esteem.

If you are in some remote location where things like counseling, public transportation and support groups are not available - move!

If you are unable to work, school loans can be postponed - call your creditors and explain. If you become completely disabled, a final fall-back is SSI; your school loans will be completely forgiven, as well. But this should only be a final fall-back. Having completed college, you are smarter and better-educated than the average bear. You can figure this situation out, and make good things happen through your own efforts.

What will do if you are me? (detail answer only)?

Go to church and pray for help, people usually have to hit rock bottom in their lives to realize that they need God. Prayers are answered when you put your fate and life in Gods hands. It sounds like you have nothing to lose, so why not give faith a try. Good luck to you.

What will do if you are me? (detail answer only)?

Even though I don%26#039;t see your question - I ll put my 2 cents.

Trying to multi-task is the hardest thing, and from what I see your problems are all inter-related and require more focussing. First of all, appreciate that you are still breathing and all your limbs are OK and that it could have been worse.

Apply to staffing agencies and online job posts and keep your spirit up. Keep taking your medication. Credit cards collection: they will get tired eventually and in your case there is no other option but to ignore. Focus on your health and your job search, and if you think positive, great things will happen.

What will do if you are me? (detail answer only)?

You don%26#039;t say how old you are. But there are programs that help brain damaged persons. Credit card company, don%26#039;t worry, they can do nothing, you have nothing. Were you the cause of the accident or not? Either way you get a lawyer, and try to get some money from the insurance company.

If she deleted her number, she wants nothing to do with you. Work at forgetting her. You should be able to find housing with other brain damaged people, don%26#039;t worry about passage to adulthood, that take place whether we%26#039;re ready or not.

What will do if you are me? (detail answer only)?

This isn%26#039;t detailed, but it%26#039;s a biggie.

Pray.

What percentage of my income should I be putting into my 401K?

I am 30 years old and my employer matches 50 cents on the dollar. I make a decent salary but have a lot of school loans. Currently I put 2% in. Maximum is 6%. Does anyone have any recommendations based on my age.

What percentage of my income should I be putting into my 401K?

As much as possible. You at least want to put in a % that matches your employer match of .50 cents on the dollar... the reason for that is that you are DOUBLING your money on day one just by contributing!!! How can you pass that up? There aren%26#039;t many investments you can make where you are guarenteed to DOUBLE your money on day 1!!!!

The more you put in now while you are still young, the more you will have in retirement. You have 35+ years before retirement, and that is a LONG time for the benefits of compounding interest to work its magic on your contributions you make now. The more/early you put in, the more money... the longer you wait, you will have substantially less

What percentage of my income should I be putting into my 401K?

You are not doubling your money at 50 cents on the dollar. You are getting a great interest rate of 50% for each dollar. That is not the same as doubling. I agree, you should put in all you can possibly afford while you are young. Report It

What percentage of my income should I be putting into my 401K?

Yeah, here%26#039;s the recommendation - Put as much away as you can afford!!!

What percentage of my income should I be putting into my 401K?

Paying off high interest loans will net you the most cash.

What percentage of my income should I be putting into my 401K?

if you have an employer match program and you contribute less than the maximum, then you are leaving free money on the table. Your employer now gets to give you only 1% as opposed to the 3% he would have to if you max%26#039;ed out your contribution. Plus, that income isn%26#039;t taxable right now, so it is tax deferred, lessening the bite to your pocketbook.

Up your percentage to 6% ASAP!

What percentage of my income should I be putting into my 401K?

If you can swing it financially it%26#039;s usually good to put in the maximum allowed.. It%26#039;s all pre-tax earnings I think.. So, it shouldn%26#039;t be too bad of a hit.. Also, it might even put you into a lower tax bracket... good luck

What percentage of my income should I be putting into my 401K?

Go for the max at 6%. You should have started ten years ago.

Just keep oooon trucking. %26lt;}:-})

What percentage of my income should I be putting into my 401K?

Put in the maximum you can possibly afford. My feeling is you can%26#039;t afford NOT to put in the maximum with the company matching fifty cents on the dollar. Your %26quot;friend%26quot; thirty years down the road will thank you! Good luck!

What percentage of my income should I be putting into my 401K?

6%..........or at least up to the company match, then use a Roth IRA for the rest up to a total of 15%

What percentage of my income should I be putting into my 401K?

6% as long as they are giving you free money.

What percentage of my income should I be putting into my 401K?

i dont do the 401k. I dont completely agree with. It is saying, if you dont put your money here we are going to tax you for it and you cant get it until you are 65. That is nonsense. Who said that i will get that old. Why cant I put my money somewhere that I want to put it without getting taxed for it if i

NEED to get some out. I know that you can get it out but you have to put it back with interest because of the tax for taking it. IT IS MY MONEY I SHOULD BE ABLE TO DO WHAT I WANT WITH MY MONEY

What percentage of my income should I be putting into my 401K?

Do 6% if you are able to. You will get more out of your money plus the employer will contribute more as well. You are decreasing your taxes.

What percentage of my income should I be putting into my 401K?

As much as you can, up to the permissible limits. If you are 30 you have plenty of time to let the power of compound interest work its magic to build your nest egg. Give it the max raw material. Plus your contributions come out of your earnings before tax and grow tax-free: you are being given free money by the government. Take as much as you can.

What percentage of my income should I be putting into my 401K?

Pay off all your debt and save 15% of your income and you%26#039;ll thank yourself latter in life

What percentage of my income should I be putting into my 401K?

You can put $15,500 into your 401k every year. If the percentage you are putting in equals that amount, no need to change it. If your salary x 6% does not equal 15,500, then contribute the 6%. The less take home may be a burden, but it%26#039;ll lower your taxable income and provide for your future.

What percentage of my income should I be putting into my 401K?

A good rule of thumb is to put 15% of your gross income towards retirement... regardless of age. In your case, make sure you put the maximum in your 401K that your company matches... 6%. Then, put the remaining 9% in a Roth IRA, up to the Roth%26#039;s maximum, which is $4000 for 2007. If the 9% is more than $4000, put anything over $4000 in your 401K. (Just because the company matches to 6%, you can usually put up to around 15% into it each year.) Distributing your retirement between these two types of accounts has the best tax benefit for you, and socking away 15% ensures that you will be able to retire with dignity. For a more thorough explanation of this answer that includes examples, check out this link: http://www.daveramsey.com/etc/askdave/?i...

As a side note... 30 years old, decent salary, and lots of student loans? Pay off the loans!!! If you%26#039;ve got a decent salary and you live below your means, you%26#039;ll have those knocked out in no time. Then think of what you%26#039;ll be able to do with that money!

What percentage of my income should I be putting into my 401K?

I would put in 6%, if you can afford it. School loans are important too, so my advice is to pay those off as quickly as possible while putting something towards your 401K. My employer matches dollar for dollar for the first 2% and 50 cents on the dollar for the next 2%, so I take full advantage of the FREE MONEY offered just for putting a little something away. The sooner you start putting away for your 401K, the better. I am 23 and have been putting 5% in my 401K for the past year because that%26#039;s all I can afford. My co-worker is 36 and has been with the company for 15 years and has been putting in 10% for the past 9 years. She says she doesn%26#039;t even notice the money being gone, because it%26#039;s never in her bank account to begin with, and I feel the same. I am getting a 3% raise starting the next pay period, and I%26#039;m planning on putting that 3% in my 401K because I%26#039;m now used to living on $1900 every 2 weeks, and it%26#039;s not too bad. I%26#039;m not going without and I%26#039;m paying off my student loans, so I%26#039;m fine with that. Good luck!

What percentage of my income should I be putting into my 401K?

Student loans aren%26#039;t necessarily bad debt. They are typically low interest, so if you pay the minimum on them and put the max in your 401k (or at least to get the full match) you will be doing pretty good. Start now...keep the match the same and add your raises to the student loan payments, or up your contributions and keep the student loan payments the same. Either way, get up to the full match NOW! It will really pay off in the long run.

What percentage of my income should I be putting into my 401K?

all debt is bad debt. There is no good debt bad debt. pay off the student loans then put the max that the employer matches.

What percentage of my income should I be putting into my 401K?

First, your maximum isn%26#039;t 6%, 6% is likely the maximum amount that your employer will match. The 2007 contribution limit is $15,500.

You should be putting at least 6% of your salary since your employer match is literally free money for your retirement.

After the initial 6% match, I would recommend starting a ROTH IRA which has an annual contribution limit of $4,000/year. I won%26#039;t go into specifics but trust me, it is the best plan. Check out my website : www.financialspiderplant.com for more financial advice, please feel free to contact me with any financial questions you have and I will happily help as much as I can.

Good luck!