 I need to buy something on the card without the parents knowing? |
| It's gonna be my parents anniversery soon, and I wanna get them something nice. But my paycheck go into there credit card account. So if there's a way I can buy them the present without ... |
|
 If you have been bankrupt, where can you get a basic bank account? |
| dont have any paperwork relating to this - has been lost due to house fire. Dont know where to start looking for ... |
|
 IS THIS A SCAM? company wants you wire funds from your checking acct? |
| has anyone ever heard of this company,they want you to recieve bank transfers to you checking or savings account and they pay you commission,and money per month you are asked wire money from your ... |
|
 Where the best place to save money so you wont spend it!? |
Additional Details
only have till the end of may to save it to ... |
|
 I am looking for sights that pay you cash for surveys without having to payout ANY money.I am a mom of 4.? |
| I am a mother of 4 who really needs to work from home...I am willing to work online, however I cannot put any money out but need cash for what work I do....If there is any info on other ways to make ... |
|
 How can someone own £50000 and not be able to calculate? |
| How can someone own £50000 and have less knowledge in maths then a 10 year old child?... |
|
 Is Loan Aid Inc. a scam? |
| After looking for a loan online, I was contacted by Linda Barnes from Loan Aid Inc., phone number 1-866-821-8501 ext 2. She told me I was guaranteed for $10,000 at a 7% interest rate to be paid over ... |
|
 Anyone know how i can get a first time buyer mortgage?? |
if i have a ccj on my credit record. its been on there since april 2004...and im still paying it back...
but now i need to buy a house....i can afford monthly repayments, but its hard to ... |
|
 If I gave you 10 million dollars what would you do with it? |
Additional Details
Sorry Romeo, but I'm already taken :)... |
|
 How do i get a loan with bad credit? |
| Ok this is the problem.....I am a single mom of 3 and get no help from their father. I work full-time but i cant get ahead on anything. My bills are soooo far behind and im about to loose my car. Im ... |
|
 Will Credit Card companies let you close the account with a balance? |
I want to close one of my credit cards but it still has a balance. Can I close the account but keep making big payments on what I owe or will they make me pay it off then close it?
Thanks!... |
|
 How can one earn online ??????? |
| i want to earn online ...but no jobs please......i just want to earn sitting online at my home....if you are earning the same and want me to join you i m ready.....give me an oppurtunity and i'... |
|
 How can I make money while I am under 16? |
| I have been doing yard work, but am getting sick of it. I am 15 years old and have a talent for writing poetry. What are some ways I can make money online/offline?... |
|
|  |
Lori | What are things I need to do now if I want to buy my first home next year? |
Financially wise. My credit score is 748, how would I make it higher? I was going to buy a new car but that probably wouldn't be a good idea, right? |
 |
 
Gary
|
Pay your bills on time and get rid as much debt as possible. Concentrate more on building up your bank accounts for a down payment. Keep your job. Lenders like good bank balances and employment. Try not to open any new credit accounts or credit cards. Start looking at houses this year and get an idea on what's out there. Ask questions from your Realtor and potential lenders. Get an idea on where you want to live. Ask your Realtor about property taxes, city taxes and school district taxes. By the way school districts do not necessary follow the same lines as city limits. For example, nearby me is Fairview Heights, Illinois, and a part of it belongs to East St. Louis School District which is not a desirable place to send your kids to. Plus that particular school district has high property taxes. Get a book on Buying your first house. Buy your house early in the year so you will be able to deduct the mortgage interest off from your income taxes for the year that you buy the house. Do some research because buying a house is a big purchase and it is hard to resell right now. Currently, it is a Buyer's market and it not a Seller's market. Good Luck. |
|
Casey C
 |
Your credit is fine. You could buy a car if you like, but here is some math for you. The bank will give you the best terms if you can provide the following:
1. Proof of income by paystub and W-2
2. Total up your total minimum monthly payments that you are due for every month that's on your credit report. If you are looking to buy a car, add that payment as well. The key is to have your total monthly payments including your new home be at 38% of your total monthly gross income.
3. Take your annual income, divide it by 12 and mutliply that number by .38. This is the total that your monthly requirements need to be at. Example: If you make $120,000 a year, that's $10,000 a month, which means your total payments can't exceed $3800/month.
4. Remember to not only calculate a loan payment, but add in the monthly cost of home owner's insurance and property taxes to your payments.
5. You'll more than likely need to put down at least 5%, if not 10% depending on the market you are looking at.
6. You must have at least 2 months worth of payments in your bank account to qualify in most instances. This can't be a gift... it must be there for at least two months before you qualify.
Hope this helps... if you need more info or would like to qualify, you can email me at casey.casperson@ncmc.com |
|
ROsie
|
If your serious about buying a home, you need to get all your debts paid off as much as possible. Buying a new car would not be a wise choice right now. |
|
david
|
Lori, Buying a car or other major credit purchase will mess up your credit if you do this BEFORE purchasing a house. You would be well advised to speak to the bank or lending institution you will be using to get pre-qualified for your loan. Best to first and always ask your questions of knowledgeable professionals to get the right answers and direction so you can make well-informed choices and know what the real choices are so you can be in the driver's seat and make choices that are best for you. It's your hard earned money! Also, FYI, there are several advantages for a FIRST TIME home buyer, ask your lender or professional Realtor. With your credit score you should be well on the road to getting favorable terms on your loan interest rates, etc. A home is a great investment as you know, and wish you the best ! Remember: Location, location, location...!!! |
|
dragonfly_fairys101
|
you should look into buying land and building your house instead of buying a house straight out.you know how our economy is doing rite now there are lots of contractors out there begging for work and you could get a really good deal if you you do some researching.hopes this helps good luck to you. |
|
bobbilee
 |
Save,save,save |
|
Thin Kaboudit
 |
Give yourself a paycut: imagine the boss came to you and said "I have to give you all a one-year 15% paycut or lay everybody off", you'd figure out a way to live on 15% less, right? So do that to yourself. In a year, you'll have a bigger downpayment than you had planned, and will therefore qualify for a lower mortgage rate which will end up saving you thousands!
(New cars are for suckers. The moment you drive out of the showroom, it becomes a "used car" worth 15-20% less than you just paid ten minutes ago! How dumb is that? Buy a "program car" if you MUST have something the neighbors will think is "new", otherwise save up cash to buy a used car. If you can afford "new car" payments, make them into an interest-bearing account instead!) |
|
Stephen G
|
Save your money |
|
trackchick617
|
get the house. consult a realtor first thing. then see if you have enough money and get a car. |
|
devonian2001
|
You I hope are saving with a building society you will need stamp duty and consider solicitors fees Of course once you have purchased your house or flat you will need money for furniture washing machine ect. It is quite surprising how much small items like Lampshades curtains cooking pots and pans and of course a cooker will set you back. |
|
ceces_3
 |
start saving up for the downpayment and taxes involved in purchasing a house
if you already have a target place to buy, that's good but if not, you should start looking at areas where you want to buy, your budget, size of the property |
|
samantha
 |
ask ur realtor |
|
The Scorpion
|
Just make sure you are actually READY. You should be able to put down 20% cash as a down payment. Make sure you get a lawyer as well, to look over the contract etc. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 21 minutes(s) ago
| | | |
12 | 25 minutes(s) ago
| | | |
6 | 33 minutes(s) ago
| | | |
15 | 40 minutes(s) ago
| | | |
14 | 1 hour(s) ago
| | | |
13 | 5 hour(s) ago
| | | |
13 | 10 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
13 | 5 day(s) ago
| | | |
13 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
