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	"I detest life-insurance agents; they argue that some day I shall die, which is not so." - Stephen Leacock (1869-1944) Canadian writer & economist
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Mr Adam Letts
How long should I fix my home mortgage in NZ considering the current economic climate?

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Ms Lydie Smith
How do banks raise capital?

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AdyC
If someone holds two separate accounts with the same bank and one is overdrawn without an overdraft facility, is the bank allowed to take money from the other account without your permission or written consent to put into the account that was overdrawn?

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Mr Michael Herder
If you get approved for a personal loan, then all contracts signed and money deposited into your account, can the bank ring you 30 mins later and tell you they have taken the money out of your account until you bring more id in?

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Surfer Dude
How have some of the big banks in the world at the present time found themselves in so much financial trouble?

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Mr TONY COLLIER
What is a CSD?

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Denali Duffer
How does one make money buying and selling oil futures contracts?

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carole
I have a very low pension fund, it would only be about £80 per year. Do I have to take this as an annuity o can I have it as a one off payment under 'triviality' rules?

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Mrs amanda mee
My credit union made a mistake on my loan account and cleared off my loan! they put a mans cheque into my account instead of his! since then

I have thought that my loan was paid and have spent my savings, now the credit union wants me to take out another loan in order for me to start making payments again?

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Miss paula greenwood
I am a single parent on benefits and my bank keeps charging me, are they allowed to do stop me having my money?

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Ms ROSE FURR
When filing federal income taxes, if you use married filing single, can you both itemize and how much can each take???

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Mr vincent mangan
A particular bank has lost some important personnel information, what can I do?

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confused
What is the best method of buying a new car that has to do circa 45000 per year that can be changed every 12 months?

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spook1969
Is it legal for a company to pass on your personal information without your consent if they are selling a debt to another organisation?

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Puerto Rico
60 yrs old/raised 3 now adult children w/o assist from Dad/live/they still have received financial assist from me in the past/have a ~55yo home in some disrepair/30 yr ARM mort set to go up 4/1/08/due to exacerbated chronic illness sought early retirement which slashed income in half/cannot refinance and heavy into credit card debt/no savings/ what should I do?

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Mr shamsuddin mk
What's a credit card? How can send and accept money using credit card? How can obtain credit card and where from? Which is the most popular credit card?What steps should be taken in order to avoid frauds while sending accepting money? please give me simple explanations.

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Mr Rupert Symss
A Question in FINANCE

What is the between FINANCIAL INTEREST and ECONOMIC INTEREST?

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Sam_Butler
What does the term 'sales dollar' mean when used in business and finance?

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Maxx
Bankruptcy Forms (England) Question.

Background, I need to declare bankruptcy. I am unemployed. I live with my parents in their home. I have few assets Car, TV and Hifi. My debts are unsecured, Loan and credit cards.

I have located a Statement of affairs (debtor's Petition) Form 6.28.

The form asks do I have use of another motor vehicle?

I am a named driver on my dads Insurance does this count ?

Why are the asking as I don't own the car ?

It then goes on to ask how much do other members of your household contribute each month to the household expenses.

I don't know what my parents income is (one retired one working part time) It's not the kind of question they would answer even if I asked.

It then ask for the total Household income.

The Name and ages of all occupants of your household and if they are dependant on you.

Are they trying to involve my parents in my debt ?

Thanks for reading all this. I would appreciate answers from people who have filled in this form/ those who help people fill it in.

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Mrs Sarah Penton
Will it hurt my credit to pay off a loan with a credit card?

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smitty
I have a 10000 loan from my 401k, I am 60 years old, can I take money out of my 401k and pay it off?

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Mrs tabitha cooper
Whats the difference between municipal bonds and savings accounts?

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Mr Anthony smith
Is there a bank called Banco La Caixa in Madrid Spain?

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Mr Nolasco Alphonso
I will be taking a loan which I have to pay back in 5 years. Which would be a better option?

a) Interest at 9.25% compounded quarterly

b) Simple interest at 10.75%

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Mr Anthony smith
Is there a bank called Swiss Credit bank PLC Based in Hatton Garden London?

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Mr kata anjanellu
What are the alternative investment apart from equity?

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Jason
If market interest rates unexpectedly increase, what is the effect on the prices of long-term bonds?

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confused
I would like to open a fabric/quilt shop but don't know where to start, what are the steps I need to take? How do I get financing?

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Mr raman singh
A crossed blank cheque dated 30-04-2002 was given to a firm. The cheque was presented on 03-08-2002 for collection in the bank but it was dishonoured due to insufficient funds. The accused has not got any notice/summon till July, 2007 from the firm or concerned court.

Recently a summon (u/s 138 and 142 Indian Penal Code) from the court is sent to accused. In this notice/summon they are claiming- that a notice dated 08-08-2002 was sent by the complainant to the respondent within 15 days of the receipt of the dishonored cheque. The respondent failed to make the payment to the complainant within the stipulated period of 15 days, therefore the present complaint is being filed in the court within one month of the expiry of the said stipulated period of 15 days.

Please advise that what is the legal position of the accused in this case?

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Mr Ratan Chauhan
I shall feel highly obliged if you please guide me on the following matter.

I gave a blank post dated cheque dated 30-04-2002 to a company against the supply of goods. But company supplied the goods were not as I had ordered for. When I complained, the company supplied the ordered goods. I paid Rs. 10,000 on 16-05-2002 by cash. I requested many times the company to collect the goods they supplied wrongly earlier and the balance payment of the goods. But company did not care at all. The company presented that cheque filling total amount i.e. the wrong goods and the ordered goods to their banker. Due to insufficient fund my banker returned the cheque on 03-08-2002.

Now in July 2007, I have received a summon from the court of dishonour of cheque u/s 138 and 142, the company has claimed –

- that a notice dated 08-08-2002 was sent by the complainant to the respondent within 15 days of the receipt of the dishonored cheque. The respondent failed to make the payment to the complainant within the stipulated period of 15 days, therefore the present complaint is being failed in the court within one month of the expiry of the said stipulated period of 15 days.

But I have not received any notice/summon (except this one in July 2007) during these long five years of period either from the company or the court.

I would like to request you to please tell me about my position, what should I do against the charges labeled upon me and how can I defend myself in this legal frame.

One more thing I would like to clear that, since my 2002 company is declared (not legally) bankrupt as no business is done (deposit and withdrawal) so far will this issue play any role in favour of me or not.

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Mr sean Tyrrell
If I make $35,000.00 dollars a year at my job, and my pay is directly deposited into my checking account, I assume I will be paying taxes on my income. Just from a basic stand point, if I'm 30yrs old, what would I pay in federal income tax, looking at this in terms of some percent? Does a person pay 5%, 10%, 20% on their ordinary income throughout a year? Overall, what I am looking for is comparing a couple of scenarios. I am comparing a tax sheltered annuity VS. investing money in something other than a "tax sheltered annuity". I know that an annuity is "tax deferred", and investing money at a local bank, into a CD or a mutual fund, is not "tax deferred". If the bank is offering some interest rate, say 5.5%, and I know this is not growing "tax deferred" I want to be able to compare an interest rate of 5.5% and the fact that I invested $5,000.00 over 5yrs in a CD, to a slightly lower interest rate, yet the money is invested in an annuity over the same five year period. The reasoning is that the annuity is growing "tax deferred". I figure if I knew how much money would be coming out each year in taxes if I choose to invest in the CD rather than the annuity, I could make some kind of initial mathematical decision. If I invest $5,000.00, and in one year it grows to $6,000.00, with the CD what percent would I loose to taxes in just that year?

Thanks,

Sean

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abbyjay
Can a bank still request payment on a overdraft if they have not contacted you for 6 years?

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Mrs Theresa Tamme
Whats the process when you are going to get a business summonsed back?

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Suss
If I leave my interest in my ISA does it still attract interest?

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ojerrel
I had trouble with a credit card company at least 20 years ago, they refused to work with me and turned me into a collection agency, I had no dealings for at least 20 years, but every so often I get a letter from a collection agency wanting to settle for a reduced amount (according to their records which where trumped up in the first place). What can I do to stop these letters?

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mel
Where can I change Bahamian dollars into sterling?

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Mr matthew mccracken
If I have been refused a loan and credit cards, does this mean I will be refused finance for a used car??

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Mrs Yvonne Soan
How can I make enough money to clear my debts?

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Mr paul bick
Do french banks check your credit history back in the UK?