 How do you teach someone not to spend so much money? |
| My mom is really bad with money. She spent $35 to make lasagna the other day, where I usually spend about $10.00. She says she wants to be better with money but she doesn't know how. Does anyone ... |
|
 I have a shared account with my fiance, am I able to sign his paycheck and cash it? |
| Like I said, I have a shared checking account with my fiance. He's currently incapacitated... He is the breadwinner for our little home, am I able to sign the checks and cash them? deposit them?... |
|
 I need to get $500 by june..? |
| im only 14 and i dont have working papers yet [i dont get them till im 15] and i need money for a trip im going on in the middle of june. i dont get allowance. how would i go about making this ... |
|
 How old do you have to be to get a loan? |
| How old do you have to be to get like a $5000 loan? Cause I'm fourteen and turn 15 in april and I will get a job and a car.... |
|
 Is There Any Law Limiting How Much Income A Teenager Can Make? |
I know theres laws restricting my work hours, but I was curious about income. I also know I have to file to pay income taxes here in TX during April.
I guess I should explain my situation.... |
|
 $$$$$$ Quick Question $$$$$$? |
| Alright my Friends...what would you do if you went to check your account, and found an Excess of CASH that you KNOW isn't yours? It's JUST THERE! I was paying some bills this Morning and ... |
|
 Debit cards? |
| I was wondering if debit cards could be used in the place of credit cards to order things online. Or even an ATM card. If it's hooked up to my savings account, would it work? And if it does work,... |
|
 How much gas can your tax rebate from the economic stimulus package buy? |
I will probably get $300 and it takes $50 to fill the tank so that will give be 6 tanks of gas. I will be 'stimulated' for about two months. Then what?
Additional Details
That&#... |
|
 Got my first loan for new car, I could pay it all off today, but should I? (esp. if I want a house soon)? |
| I have the money to completely pay off my $26000 auto loan. I haven't even made my first payment yet, but I'll need to soon- within a week. I hate the idea of paying ANY interest, ... |
|
 How can I make money on line? |
| What skills should I have to be earning on line?... |
|
 How much money do you spend in a month? |
I know this is a personal question but I was just asking as I wanted to assess whether I spend too much or whether I am a prudent spender.
I am not talking about rent, or bills, or ... |
|
 I ha received a mail that i am eligible for receiving 15 million dollars from some . i had given my credit car |
| I ha received a mail that i am eligible for receiving 15 million dollars from some . i had given my credit card detail.so can that person steal money from my account just using credit card detail.if ... |
|
 How can i make money on the internet and not have to pay anything? |
| If anyone knows how i can make money on the internet without having to pay anything, the best answer will get the best answer points, ... |
|
 Financial worries - UK answers only? |
| I owe £17k on two credit cards and am struggling to keep up with the repayments. I do not own my own home so do not have any equity. The credit cards are not coming down due to the high interest ... |
|
|  |
aryanguenthner | Pay with cash or take a loan out? |
I want to buy a car for 14,000. Is it better to pay with cash or take a loan out?
I don't want to spend the cash. But if a loan for 4years could be 100.00 a month payment doesnt that sound good? Full car insurance would probably be 150.00 so maybe 250.00 per mth.? What's better? |
 |
 
vintageprincess72
|
If the loan includes interest, then go for the one-off cash payment. |
|
al
|
CASH You will never build wealth making car payments. There is not a way to measure peace of mind.If you pay cash for things then you know you can afford them. If you only buy things you can afford why would you gives a rat's *** for your credit rating? The only exception to this would be the purchase of a house.And if you have a job and pay your bills on time you can get a mortgage. |
|
tomthepawpaw
|
first a 4 yr loan would be 328.79 a month just for P&I, not including insurance or operating expenses. You haven't even told us if you have a job or how much take home pay you have or anything we need to know about you to make that decision. If you can't afford to pay the 328 and other expenses, plan on taking the bus. |
|
Brandnewshoes
 |
If you need the credit get the loan, if you have cash, then buy it cash, because then you save yourself money in interest, and since you're paying cash, you can talk them down quite a bit in the car price, make sure you mention that you're paying cash. Whenever they tell you they can't, walk away. And if anything ever happens, you can sell the car, and get more money out of it, considering you own the car and not the bank. |
|
rhsaunders
|
The key is in the interest rate. Money is always worth money if invested, and if the interest rate paid is less than the money is worth to you, it is sensible to borrow the money. But do not be taken in by the zero or low interest rates quoted on new car sales -- these are always in the alternative of a cash rebate, which is actually a buy-down of the interest rate if you choose the financing option instead. The only way to tell what the real interest rate is is to use a financial calculator to do the comparison. |
|
kellbelle21
|
if you have 14,000 then you should pay cash... or maybe just put like half down then your loan would only be 2 yrs |
|
cleo_woman
 |
Yes but you are forgetting the intrest they charge for the loan.. so in actuallity... you end up paying 2-3k more than if you would have gotten it cash. I would buy it straight out... then your only payment would be insurance. But if you dont have the cash.. then get a loan. |
|
lcritter55118
|
Check your interest. What interest are you making on your money vs what would the interest rate be on the loan? If the loan is a low interest rate and you are making more interest on your savings, then go for the loan. If the interest for the loan is higher than what your savings is making I'd just pay cash and get it over with. |
|
laughter_every_day
|
payments for four years on a 14000 loan are not around 100 per month. Principle alone is 292 per month, plus interest. figure arond 360-370 per month. The insurance you should get whether you finance it or pay cash.. If you pay cash and then get in a wreck the next day, you will need the insurance. If you have 14000 to pay in cash, compare what you are earning on that money with the cost of borrowing money. If you have the money invested at 8 percent, and can borrow money at 6 percent, then it is worth it to borrow the money. if the cash in in a bank savings account at one percent, and a car loan would be 10 percent, then pay the cash. |
|
Franco
|
Usually, it is better to pay cash a) because you can find better discounts for cash and b) because the interest charged on the loan will be more than the interest you earn from a deposit a/c.
However, a surer way is to find out what is the interest rate (%APR) they charge on the loan and see how reasonable it is. |
|
lifetime rocker
|
pay cash the interest saved would be worth it. |
|
♥queen b♥
|
Cash! |
|
mmw
|
well with one good thing about taking a loan and paying it off in time is that it builds up your credit. you should talk to a manager of a bank and ask them what they recommend you do. |
|
nexgenjenith
 |
Taking out and maintaining a loan will help increase your credit rating, which will in turn help you make other important purchases later in life...like buying a house. You can buy a house without a credit rating, but you will have to pay higher interest because lenders do not have a history to show that you will be a responsible Borrower. Build your credit if you have the means, if you don't and there is a chance that you won't be able to meet the expense and will default on your loan, then don't do it. I work in the mortgage industry and have to struggle with people who have no or low credit scores...it makes this process much more ddifficult and stressful and for some the idea of home ownership has to wait years until they can improve their score. If there is a possibility that you will ever want to own a home in the future, start preparing your credit for it now. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
14 | 34 minutes(s) ago
| | | |
14 | 40 minutes(s) ago
| | | |
14 | 3 hour(s) ago
| | | |
14 | 5 hour(s) ago
| | | |
14 | 6 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
13 | 1 day(s) ago
| | | |
12 | 5 day(s) ago
| | | |
9 | 1 week(s) ago
| | | |
14 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
