Mar 31

Survey, please answer?

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Hi,
I’m trying to do a survey about the current car rental companies, and the difficulties the customer face in order to rent a car.
I’ll really appreciate your answers to my survey
Thanks,
Questions:
1.How often you rent a car?
2.Do you prefer to physically attend to the car renting company or by reserving it online?
3.What difficulties do you face during the reservation process?
4.What difficulties do you face during the payment process?
5.Did you usually have had special offers and discounts?
6.Did you have the chance to compare car prices?
7.Did you pay by credit card or cash?
8.What difficulties and risks do you face during the pickup process?
9.What difficulties and risks do you face during the returning process?
10.What do you suggest in order of making the process of renting a car smother, easier and faster?
Please I would like your cooperation with me, please help me and answer my questioner, it will really help to finish my project
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Mar 31

Should I cash in my retirement accounts to pay off my credit cards?

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I am deep in debt because of bad choices I made in life, a divorce and being unable to work for several months because of a medical condition. I recently graduated and I am looking for a fulltime job. (Once I get a job, I do not believe I will earn enough to ever pay off my bills. I’m paying 32% interest on some of my credit cards.) In the meantime I cannot afford to pay the minimum balance on my credit cards. Should I go bankrupt or should I cash in all of my retirement accounts to pay off these bills? Thank you for your input.
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Mar 31

How can i consolidate all my debt, not just credit cards, but all onto one bill?

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I would like to find a place were i can put all my debt, credit cards, phone bill, speeding tickets, school loan, auto loan and what ever else i might have. Is there anything i can do to do this. My credit is bad i want to start rebuilding it, but i don’t make a whole lot of money a month. rent is my number one priority. I really want to take care of everything so i don’t ruin my future.
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Mar 30

I’m jealous?

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I’m not sure how many of you remember the post i put up a littl over a week ago about feeling ”poor”.

I thought it was a phase but it still hasn’t gone away.

As i stated before, alot of the kids in my school get whatever they want. They have their own credit cards ( they can get what the want and their parents pay for everything). Chanel bags and prada, BMW’s for their 16th birthdays, tiffany jewlry whenever they please. Compared to them I have nothing. I’m not going to have some nice souped up apartment in a highrise in the city and i’m probably NEVER going to take a trip to every country country i want t ovisit ( the grl who sparked this rant has) **** I probably will never even leave the country My family can’t even afford to go on a small vacation.

You can say ” get a good job you can buy whatever you want” but we all know thats not true.I will never be able to buy that stuff especially with the job I want. As a matter of fact, when i get that job all of my money will probably go to college loans and what not while those kids wont have a care in the world because their parents paid for everything and they STILL will probably getting things handed down to them.

I know what some of you will say.”Money doesn’t mean anything” or ” money isn’t important”. But I’m not stupid. It means alotas do looks and whatnot. People who have money are the ones who make it. Why do you think alot of the people in very poor towns end up stuck there? Because they had no money to get them out… Yeah they might be smart but they didn’t have the money to go to college therefore didn’t have the education to get a good paying job.

I’m not negative, I’m realistic.

VENT OVER
I don’t care if you think my question is ”too long”… If you don’t like it go else where. Don’t bother answering.. Don’t waste your time.

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Mar 30

Do hackers look for only credit cards that contain large amounts of money?

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Is it true that they don’t care about credit cards with not a large amount of money?
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Mar 30

what kind of credit cards work over seas?

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im going over seas to europe this summer, what credit cards work in europe and which ones don’t?
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Mar 29

Financial Decision Making?

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1. What are the results of having a poor credit score? (1 point)
lower interest rates
higher credit limits
lower gross pay
none of the above
2. Interest rates on a longer loan are lower than interest rates on a shorter loan. (1 point)
True
False
3. On average, compared to a person with good credit a person with poor credit will pay ______________ for insurance? (1 point)
5% to 10% more
10 to 15% less
20% to 50% more
25% to 40% more
4. What does a FICO® score represent? (1 point)
outstanding debt
income of debt ratio
creditworthiness
length of credit history
5. Having a high credit score leaves more realized income for what? (1 point)
luxuriess
savings
debt repayment
all of the above
6. How long does it take to rebuild your credit history? (1 point)
8 years
7 years
9 years
30 years
7. From a bank’s perspective, a person with poor credit represents more ______ to default. (1 point)
risk
interest
collateral
guarator
8. How many monthly payments are there in a 30-year loan? (1 point)
30
365
360
100
9. People with poor credit tend to file more insurance claims, and thus cost the insurance companies more money. (1 point)
True
False
10. When you have no credit the credit card companies do what? (1 point)
assume you have excellent credit
assume you have poor credit
offer you a low introductory interest rate
offer you a balance-transfer card
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Mar 28

Why is everyone going so crazy of those lame IPods?

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First of all…EVEN IF the iPod WERE the greatest music player EVER, it would NOT warrent all the insanity. No music player could ever be sooooo cool that it’s the only gift to giveaway as a prize(credit card companies etc…). People were willing to pay $400 plus dollars for something the size of a small bible in an age where you could get so many other players 1/4 of the size and prize and with more features and better looks. It’s everywhere…people who never had a music player got a $400 one because they just had to have it??

What was soo special?

It had no good looks; It was plain vanilla white and square. This HUGE $400 white box with a dail on it and no features compared competition. White headphones? Back in the day the idea was to HIDE the headphones so you don’t look like such a geek…being “wired” and all, so WHITE extra long headphones???

It was HUGE! My MiniDisc player from 1998 was smaller, better looking, cost less, came with leather case and a remote!!
Before the big iPod boom I was walking around with my iRiver mp3 player. Under $200, could record voice memos, could record sound from anything with a line-out jack. Could fit in my shirt pocket and I could change songs and volume WITHOUT even taking it out of my SHIRT pocket. Could take abuse like being dropped. Came WITH case, arm band, USB cable AND a neck strap!!

Enter the iPod, where people just open thier wallets and get robbed with a smile. They get less features and everything is an add on…so instead of $400, you actually pay like $500-$600!! That with all the accesories.

Not to mention it’s made by Apple…a computer company??? Why would people flock to buy something made a company who’s sopeciality is somthing else? Like flocking to by the new Toyota MP3 player or the Audiovox car.

They even sold one WITHOUT a screen and people STILL bought it!!

Are we all so oblivious? Packard Bell ring any BELLS? AOL maybe? And an MP3 player as a status symbol??? And why called mp3?

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Mar 27

Too literal?

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1) I was signing the receipt for my credit card purchase when the clerk noticed I had not signed my name on the back of the card. She informed me that she could not complete the transaction unless it was signed. When I asked why, she explained that it was necessary to compare the signature I had just signed on the receipt. So I signed the credit card in front of her. She carefully compared the signature to the one I had just signed on the receipt. As luck would have it, they matched.

2) I live in a semi-rural area. We recently had a new neighbour call the local township administrative office to request the removal of the Koala Crossing sign on our road. The reason: too many Koalas were being hit by cars and she didn’t want them to cross there anymore.
In Australia we have those signs all over the place, not that you ever actually SEE a Koala, but its nice to be reminded that they are around. By the way – Koalas are not Bears – they are marsupials and carry their young in a pouch like Kangaroos.

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Mar 26

Money issue with spouse?

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I would like some advice. Here is the situation. I am a stay at home mom of one. My husband has a pretty good income. The problem is he want and he wants and he wants and he just will not be responsible with money. I keep trying to come up with ways to pay off our credit cards, he keeps charging. I try hard to save us money–cutting coupons, looking through all the sales papers, comparing prices, buying generic, shopping for clothes at yard sales, trying to keep our utilities low, etc. We have a nice truck which we have not had a year yet and now he is insisting we trade it in for a Cadillac Escalade. He is aware of how much our bills and other expenses are and of course what his income is. Does anyone have any advice on how to tame his material wants or what I can do? Thanks!
I actually just gave his credit cards back to him–they were frozen, literally in the freezer. Perhaps they should go back…
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