Am I the only person who likes using personal checks?
I’m not old…I’m actually 31 years old. Most of my friends swipe swipe swipe their cards all over the place. I actually balance my checkbook every time a transaction is made. I know to the penny how much money we have. I like having hard copies instead of smeared paper receipts that get torn or lost. I find it irritating that most stores no longer take checks. We were paying by e-check for most of our bills but we are learning because of the economy that most people are adding fees by doing this. Our mortgage is adding an 8 dollar fee. So I have converted back to the old fashioned way of writing them and attaching a stamp. Is it just me or are there others who see the value in keeping this method of payment? Just interested.
I personally think that whichever way saves the most money is the best option. So, if your mortgage company is charging $8 for automatic payment, then definitely go with the check and stamp option. But most banks should not be charging for online or auto payments. You should consider changing banks if this is the case.
HELP ME WITH FAFSA!!! PLS?
I don’t understand this part; Does this mean that they will take money out of my account? Oh and I did the same for my parents, and does that mean they will take money out of my parents bank?
As of today, what is your (and your spouse’s) total current balance of cash, savings, and checking accounts (question 43)? (Do not include student financial aid.):
Net worth means the current value of investment(s) minus debt (what is owed). If net worth is one million or more, enter 999999. If net worth is negative or zero, enter 0.
Investment debt means only those debts that are related to the investments.
Investments include real estate (other than the home you (and your spouse) live in), trust funds (such as UGMA and UTMA accounts), money market funds, mutual funds, certificates of deposit, stocks, stock options, bonds, other securities, Coverdell savings accounts, 529 college savings plans, the refund value of 529 prepaid tuition plans, installment and land sale contracts (including mortgages held), commodities, etc. Investment value means the current balance or market value of these investments as of today. Investment debt means only those debts that are related to the investments.
Investments do not include the home you (and your spouse) lives in; cash, savings and checking accounts; the value of life insurance and retirement plans (pension funds, annuities, noneducation IRAs, Keogh plans, etc.).
Note: If you are required to report parental information and your parents own a qualified educational benefit plan, or education savings accounts – including “529” college savings plans and Coverdell savings accounts – your parents should report the current balance of the plan as a parent asset (Q88). The amount to be reported for a prepaid tuition plan is the “refund value” of the plan.
If you are required to report parental information and you own any qualified educational benefit plans – you should not report the value of those plans.
If you are not required to report parental information and you own (or if married, your spouse owns) any of these qualified educational benefit plans – you should report the current balance of those plans as a student/spouse asset (Q44). The amount to be reported for a prepaid tuition plan is the “refund value” of the plan.
FASFA takes the money you have total and see’s how much money they can legally give you. They are not taking money from you, FASFA see’s if you qualify for a grant or loan and how much.
I threatened to kick my wife off the checking account?
I always made more money then my wife as she just worked p/t if at all, and raised the kids.
She recenty got a job, 7 months ago, and has since not only gone full time but already has a raise..
The problem: since she became full time, she does NOTHING around the house M-F, except cook a dinner here or there but leaves a huge mess, and I have to clean it up. I hate the house smelling like crap so I clean every morning b4 I go to my job, my own business.
weekends shedoes clean and ook, and I’ll reuse to do anything, except my own laundry as she won’t do it as it gets too dirty.
anyway, we have had a ton of bad luck the ast year and are in a financial disaster, but lately have been able to start to crawl back out of it. I have asked her to pay the mortgage and home taxes last week and she ‘forgot’ or didn’t have time at her job, BUT was able to leave work and go by a dentist office as she needs some work done. the office is right next to the tax collector and she could pay the mortgage online.
We discussed that now with her new found wealth, she would pay the electric bill out of her money and food. The electric due to the fact she is horrible at turning off lights behind her. I pay the mortgage, insurances, water, car and ins., credit cards, home taxes and my business ins. from my money. We also discussed that she needs to stop using our personal account checks so ican keep the bills balanced she she refuses to pay anything anymore as she “runs a multi million dollar company now and is constantly stressed”, but she won’t stop writing checks.
So last night I told her either she stops, or I take her off the account and she got quiet, gave me the , “ok” and sulked to bed. Was i wrong?
How is it fair that she now makes almost as much as I, knows we were in a real bad financial hole and just now starting to get out, yet still wants to spend like we have money to burn?
Take care of the kids.
is this the only secret to good credit?
So i applied for a mortgage loan at my bank and you sign to authorize a credit check and they give you a copy. I found out my credit scores were 780 to 807. I was surprised as i didnt know it was thst high. The only thing ive done is always pay my balance on my credit cards. I still have a car loan not paid off and my credit history average is only 3 years. I am 25 now and have paid off my cc bslance slways since my first card at 19. Is this basically the only secret??? Why do people have such bad credit then? This is easy to do i dont get it.
Yup, that’s the secret to amazing credit scores.
People have bad credit because they are financial nincompoops and carry high balances on credit cards, pay late, etc.
My son owes me money?
My son lost his job two months ago. He asked to borrow $700 until his first unemployemnet check came in two weeks later, at which time he would pay me back. I said ok and let him know it was a loan and I did expect to be paid back. One month later he said he would pay me when he got his goverment stimulus check in July (he will be getting $2100). End of June he said his check should be in July 11 and he would give me $500 and pay the balance over the next few months. Here it is, the end of July and no mention of the money owed. Besides unemployment he and his wife work for her father part time. My husband and I don’t have a lot of money and my husband might be losing his job. We won’t starve if I don’t get the money back, but I think my son should tell us why he is not paying us back. Should we bring up the loan to our son? They do not have a car payment, but they have a mortgage and some credit cards. They are on state insurance and do not have to pay premiums.
I know what your son is going through, but if he promises to re-pay it he should. If he doesn’t and it won’t jeopardize your relationship with him, just don’t lend him any more money if he asks you to and if he asks why tell him because you broke a promise to repay me the first time.
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