 Should I pay my student loan as much as possible or keep my money in the bank? |
My student loan is the only debt I have. The return from the bank is 4.45% and I also have a CD account at 5%. The interest for the loan is lower than that. What should I do?
Additional Details<... |
|
 Personal check made out to 2 names.? |
| WAMU check was made out to me and someone else ... the other person already signed it in the back but cant go to cash it with me... can i just go to a WAMU banck and cash it myself???... |
|
 How can I earn money at home? |
My birthday is cominq up and i wanna make some of the money. I need $300 and my parents can only qive me $200. How can I earn some money?
I have quite a lot of booksz at home i really dont ... |
|
 How can i pay down my home loan sooner? what about pre-pay penaltys? how much goes towards my principal? |
| i have a 350K home loan, I have heard of some programs that say they can show you how to pay down your loan in 1/2 the time or sooner, does this really work? which is the best program to use? please ... |
|
 I need £900 to go to a funeral? |
| I recently good some bad news that an old friend of mine has past way, the thing is i can't afford to pay for the cost because hes being buried in New Zealand. How am i going to make that money ... |
|
 I have an opportunity to either 1) Pay off my car loan or 2) Invest this amount? |
| Is it better to pay off a car loan and avoid interest payments or use this money to invest with the market the way it is?... |
|
 How do you stop a termination notice on your electric bill? |
| i dont have a medical release, i paid part of the termination notice but the electric co wont tell me if that will stop them frome coming out and disconnecting my service, also they wont extend the ... |
|
 What happen's if i get pre-approved for a mortgage and then don't buy a house? |
| I am currently looking to buy my first home, but it may not be for 6 months to 1 year. I want to know now how much I would get approved for. Is there any penalty if I choose not to buy a home, and ... |
|
 Ok, my 13-year-old daughter would like to get a job...? |
| in fact she needs a job. She's told me she wants to become more responsible and mature, and pay for her own cell phone, own clothes, and own personal luxuries. I was very impressed, and anyways, ... |
|
 If I stop paying on my credit cards can my house and my cars and boat be taken away from me? |
| My husband was cut back to 4 days week at work so his pay went way down. We have a mortgage we can and will pay. We have a trailler we are still paying through our credit union. We also have a boat, ... |
|
 Im on the verge of gettign evicted if I dont come up with 2000 in a week? |
| What can i do??? I have 2 jobs but neither of them pays enough to get a payday loan my credit is shot( not my fault identity theft) plus im paying for college.. What should i do?? Loan Sharks? ... |
|
 How do you save money to relocate to another state, if you are living paycheck to paycheck? |
| I am hoping to relocate to another state after finding a new job that pays the same or more than I make now. I am living paycheck to paycheck due to extensive debt and expenses due to the cost of ... |
|
 If you had one-million dollars do you think you can use it all in one day? |
someone in my class asked that and i want to know yuor answer
Additional Details
oh i spelled your ... |
|
|  |
:] | Im so confused? |
i used my debit card to purches a few items. i noticed with each item i bought it of course took the money. but im worried because with each item i bought it says pending. does this mean i wont have enough to pay for the item? i mean i saw it take out of my debit when i purchesed these items and i have 7 bucks left does that mean it already took my money and that i didnt go over? so bascially im asking since it already took my money i am fine right? what does it mean when it says PENDING DEBIT CARD PURCHASE why does it have to pend if it alreayd took my money?
Additional Details
aussie dude jokes on your moron. i just got changed banks so different banks have different things to offer. now go play with your dingo and stop harrassing others it will be reported to yahoo :) |
 |
 
Morpheus New-Age Rainbow Warrior
 |
Get a copy of Money magazine and buy one of the credit courses in the back... you need it! |
|
waia2000
|
As long as you know there is enough money in your account to cover your purchases, you'll be fine. Pending means the purchases have not gone all the way through the system yet. |
|
EarthAngel
 |
The nice thing about debit cards is that it won't let you spend money if it's not there and it does take it right away. You are safe. Hope this helped. |
|
Mike M
 |
Pending means the transaction isn't finalized.Once the recipient has received and accepted the money then the transaction is complete. |
|
Nonyabusiness
|
just put more money in the card |
|
Jacoby
|
It confirms the transaction, and sometimes it get processed as Credit and has to be converted to DEBIT |
|
walyank
|
As far as I know, you are worrying about nothing. It's probably just a legal "CYA" type thing on the part of the bank.
A way for the bank to tell the retailer you just paid that if, somehow, you have just spent more than is in your bank account, said retailer may not be paid.
At least not until you have put more money into your account to cover the purchase and the bank's "over the limit" fees. Said fees will be paid off first, of course.
All you have to do is know your balance and not spend more. Meaning that if you have $10 in the bank and you just made a purchase for $7, you don't go to the next store and make a new purchase of $5.
7 + 5 = 12 and that's more than the 10 you have in the bank.
I am not trying to belittle you here. Just to make it as simple as possible for "finance challenged" people to understand who unfortunately get scr•wed every day. |
|
just add water
 |
when they run it as a credit card, it doesn't automatically take it out, it just runs to see if there are funds available. My store, fo example, we don't have a pin pad, so we run as credit, so any debit card with the visa or mastercard logo on it can be run as a credit card. This means that you sign instead of entering a pin number. Anytime you sign, it is credit, not debit. So they check funds, and the bank puts that amount on hold pending the signature authorization. It depends on how often they run the batch, and the different banks, but an average would be 1-5 business days before the credit transactions clear. Always check both balance and available balance, and consider using a register so you know what you have spent. |
|
ladydatura2002
 |
Pending means it's not been manually processed by your bank. If you worry about how much you spend keep a written total in your pocket and subtract what you spend from what you know your total amount is in your account. |
|
msfire200520
|
call you bank.... if its pending it has already hit your account |
|
Henry
|
Pending means it's in the process of being final. Usually when it says pending they've already subtracted the amount from your total, but other times not.
Instead of asking strangers who know nothing about your particular bank, look at your statement and do the math. |
|
Stacy M
|
dunno---i use visa |
|
YourLastBestFriend
|
Pending means the transaction will go through at midnight. |
|
julia
|
i think that it means that ur debit card is not yet settled. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
14 | 38 minutes(s) ago
| | | |
14 | 47 minutes(s) ago
| | | |
14 | 1 hour(s) ago
| | | |
7 | 2 hour(s) ago
| | | |
14 | 5 hour(s) ago
| | | |
3 | 10 hour(s) ago
| | | |
15 | 1 day(s) ago
| | | |
14 | 4 day(s) ago
| | | |
14 | 2 week(s) ago
| | | |
14 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
