 Is it legal? |
| Is it legal to make me work 7 days straight but only pay me for 5 of the days simply because the time card goes in at the right time of the week. I'm still working 56 hours straight but only ... |
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 I am thinking about getting a loan to pay off my credit cards.? |
| From a company called American General Financial Services, a member of AIG with a 22.30% APR for 36 monthes Is this a good deal? and does anyone know anything about this company? or any other ... |
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 Is it illegal for a bank to cash a check before the date marked on the check? |
| I wrote a check to my brother dated for the 28th and his bank cashed it on the 27th. I have the cancelled check and a copy of my statement showing an overdraft fee due to this mishap and am planning ... |
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 How are some good ways to make money? |
| My friend isn't good at keeping money so he wants an easy way to make good money. Any suggestions?... |
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 Do banks cash checks? |
If I bring in a paycheck to a bank, can they cash it for me in bills? thanks
Additional Details
Does it matter if the only account you have open with them is a savings account?
... |
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 Which should I try to pay off first: car or student loan? |
| I only have two debts--- my new car loan that is still at about $24, 000 (8-9% interest 72 months) and then my student loan that is about $6,300 (10.25 % interest). I am making the minimum payments ... |
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 Do any of you have financial problems? |
| I have financial difficulties, and somtimes I feel like I am the only one that does. Do any of you have financial problems, or is it just me? I have horrible credit, and can't open a checking ... |
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 My husband is ruining my credit while we are going through divorce.? |
| I filed for divorce back in April. My husband was the person who paid the huge bills such as our mortgage. He is now behind on the mortgage and it's showing up on my credit report. He has ... |
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 How do i get out of debt quickly and before 2010??? |
| hi im a 20 soon to be 21 year old male who is need of a debt solution and bankrupt is not one of the ideas i had in mine..........my main deal is my credit and debit accounts.....i need a solution ... |
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 Which do you think is better for my goal to buy a home? |
| My credit rating is not that great. However I do have some money stashed away for a down payment. Should I pay off all my bills with the money or pay off the bills over a period of time keeping the ... |
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 If you inherited $1,000,000.00 (one million) dollars tomorrow, what would you do with it? |
I'd:
1) pay off my debts;
2) help any friends or family who needed help;
3) buy a house and one of those little sporty Mercedeses;
4) give some away to charities;
5... |
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 What's the best way to adapt to going from weekly pay to monthly pay? |
| As in... I'm an agency worker, get paid weekly now… Going to be promoted and made staff and will then be on monthly pay... Already find thing financially difficult... What the best way to ... |
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| When can i get a debit card? |
Can i get a debit card now when I'm 16 without my parents permission ? I go to school and don't work ...but will be soon.
do u think i should get one ?
Additional Details
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Lost | Why is it important to have a bank account? |
i just closed mine because i was $200 dollars over due and i wasn't aware of it. But should i open a new one or just cash my checks? |
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jane c
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You get an overdraft - so free money!!! |
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ontopofoldsmokie
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Well, you could carry all your money around or keep it hiden somewhere. I wouldn't recommend that. Without a bank account you can't have direct deposit, pay bills online, use checks or check cards,etc......You can survive by only using cash but it's very inconvenient and unsafe these days. If budgeting, it would be ok to carry a budgeted amount of cash and stop spending when you run out. If you hate banks you could use your credit union. It's like a company bank, with many of the same conveniences, and they often have better deals. It's usually easier to get loans from your credit union as well.
I must ask why you didn't know that you were 200 overdrawn? No matter what process you use, if you don't balance your accounts you will run into the same problems. |
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Aixa
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It is important to have a bank account because if one day you want to purchase a car, a house or even try to request credit, one of the questions that companies ask is if you have a bank account meaning a checking/saving account and if so, how long have you had the accounts. So in my opinion. YES, it is very important to have a bank account. If you have trouble managing the account, because you are afraid you may overdraft and what not, leave the debit card at home or have someone you TRUST manage your account for you. |
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retiredslashescaped1
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That depends upon if you can get your checks cashed easily and efficiently. Many banks, for example, refuse to cash checks for non-account holders.
Also, it may be difficult to pay bills without a checking account. I am guessing, and it is only a guess, that you are still living with parents, or you would have plenty of reasons to have a bank account: rent; utilities; car payments; credit card payments; stuff like that. |
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Cari
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build some credit |
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msijg
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You don't-but it is a good idea to have a financial account of some kind. Join a credit union if banks aren't for you but do something and then keep track of what you deposit versus what you spend!
People without bank accounts are discriminated against-try to rent a car and you pay $500 cash to secure it vs a $300 hold on your credit card
Want to buy a car-without any money in the bank and no credit history $2-3 gs down
want to rent an apartment-they may turn you down
Most important-make arrangements to pay the $200 because the bank will attempt to collect their money from you. No one else has said that-now if they try to garnish your wages and you tried to make a payment agreement tell the judge and they will catch hell. Offer to make monthly payments-ask for a fax number to send a written and signed agreement to. Don't tell the person on the phone the amount that you want-they will say it cant be done but keep proof of the fax being transmitted and keep a record of their name and number |
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dredude52
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so the gov't can track your finances and where your interests lie for your dossier |
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Cabana C
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The banking system will penalize you if you don't have a bank account somewhere. They will cash your checks but will cost u a lot of your cash to do so. Also, it establishes your credibility.
Just make sure you don't have the overdraft protection which is basically a loan. But also watch to make sure you don't spend more than yu have. |
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dbobb
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i thought the same way, and didn't get one for a few months after i started my job. but having an account is good because you can put your money in it. when i didn't have the account i spent it all, then i started and now i don't waste as much. i spend more when the money is in my hand. |
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aliciarox
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It is almost necessary to have an account, open a new one and just keep track of the balance. There are lots of banks with lower bank fees depending on the services. The fees might even be lower than taking checks to a check cashing place. |
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Melissa
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Definelty open a new account when you get the oppertunity to do so! Having a bank account (more specifically a checking and savings account) helps you establish credit and shows companies you are responsible and future oriented regarding your finances. Now we all have problems with our banks but you have to find the right bank for you. One that caters to YOUR needs! I suggest that you use your transaction booklet that comes with your check book or when you first open your account too. Always save your receipts and pick a time every night or every few days to document the transactions you've made. Do this enough times to set up a routine! I hate relying on the bank to tell me how much money I have in my account! Sometimes you make a transaction but it doesn't post for days or even weeks and the bank may say you have more money available than you really do. You just got to stay on top of your finances! Good Luck! |
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aqwaters
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I don't think it is. Very low interest. |
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Jeanjean
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Even the ants save for a rainy day! |
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Hugh Jass
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just open one put your checks in it. and use a debit card. just dont over draw. manage the money. |
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Webballs
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Because that's where you save your money. You can also do some investment on it. Very convienient. Also, you can access your bank account online and do online bill payment. Trust me, you are gonna need a bank account. A great way to save up your money, and getting some interest in return. |
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