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Emergency cash

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Emergency cash

Questions and Answers



how much would emergency tax be if i was to cash in a pension?

A) Emergency tax tax is basic rate 22%- steep i know!!

Whats the best thing to do with a cash windfall?

Q) We recently received some money from a house sale. We have paid off all of our debts apart for one of £25k which is tied to our mortgage (and on the same interest rates). We now have about £35k left. We don't have any savings and we would like to make sure that we make the most of the money in terms of doing something for the future but because of our lack of savings I feel that we should put it somewhere where we can use it in an emergency. My partner would like to put it into Premium Bonds for that reason and pay off the remaining debt. I heard somewhere that its always best to pay off the mortgage first if at all possible. We have a huge mortgage but it is on flexible terms - if we overpay we can draw down on the overpayment so arguably it would be no different to putting it into a savings account in terms of access. Grateful for any ideas.

A) Saving vs. debt options have to be weighed in terms of interest rates. Will you make enough money on an investment to cover your mortgage payments. If the money you could be earning is more than the mortgage payments for the duration of the investment, go for the investment. The second thing you have to look at is the amount of payment you could reduce by paying more into the mortgage. For some, there's penalty for doing this. For others, there is not. But, it's usually the interest accrual that plays the big part. Ultimately, though, for you you need a rainy day fund as you're without savings of any kind. If it were I, I would take half and reduce the mortgage debt and take the other half and invest it into money market or AAA bonds because both of them need attention.

Currency exchange?

Q) Can someone give me a bit of advice on getting the best pound for Czech koruna for our money - we are planning a long weekend in Prague and I am thing of taking about £100 worth of Koruna with me for emergency drinks on the way.. but what is the best way of getting any other money.. using my visa card in a ATM? travellers cheques? cash in Sterling and exchanging it? any advice apreciated

A) If you have several credit cards, check with your credit (debit) card issuers on the exchange rates and conversion fees they charge. I have several credit cards issued by U.S. banks. Some cards charge 2%, but most charge 3% conversion fee. BUT the credit card companies use VISA currency exchange rates that are usually way better than the rate you get in London or in Prague. The trouble with changing your Pounds for Czech Crowns (Koruny) is that the banks use a BUY and SELL rate with a nice spread between them and on top of that they will charge you exchange fees. VISA uses a single rate. If you are planning on staying in Prague you need only a minimum amount of cash since major credit cards (VISA/MASTERCARD) are accepted almost everywhere. Outside of the capital you need to have hard cash in hand. Taking cash from an ATM is a fairly good way to get local currency--again, your bank might charge you 2or3 points, the ATM operator can add something like 1 pound per transaction, but the exchange rate will be superior to what you will get at an airport exchange. And finally, please forget about travellers checks. Both Czech banks and the vendors will rape you on the exchange rate and fees. Enjoy your trip to Prague! I love that place.

Where do I stand? have the council failed to do the job proper?

Q) I moved in to a 3 bed property of the councils after waiting 6 months in a emergency accomadation. I collected the keys straight off some one from maintenance department who had been fitting in central heating. No one else came to inspect the house and a old lady had lived there for over 20 years before me which you can tell. Everyroom badly needs decorating, a lot of the walls have holes and cracks in the skirting boards are damaged thes left over screws and nails still sticking out all over the place and any that have been removed have just left a very noticeable hole behind and when you touch it it just crumbles away creating a bigger hole. The interior doors upstairs are all odd with holes and dents in them. I stripped the living room, re-wallpapered it then had to paint it all basically usig up all spare cash I had to make it look liveable. A month later thes damp on my walls now theyve had to put damp proof in destroying all decoration I'd done and now back to square 1.

A) Get a Solicitor to serve a Section 82 on them.

Consumer Math 3?

Q) 3.Express the fractions 3/4, 7/16, and 5/8 with the LCD (Lowest Common Denominator) A. 3/4, 2/4, 3/4 B. 12/16, 7/16, 10/16 C. 9/16, 49/16, 36/16 D. 24/32, 14/32, 24/32 B--in not correct. 15. Which of the following best describes term life insurance? A. The insured is covered during his or her entire lifetime. B. The insured pays the premium until his or her death. C. The insured pays a premium for a special number of years. D. The insured can borrow or collect the cash value of the policy. B--Is not correct. 19. A master plan is devised for? A. Emergencies. B. Investments. C. Short-Term Goals. D. Long-Range Goals. C--Is not correct. 20. A______ is invested by managers in a diversity of stocks, bonds, and other securities. A. Series EE Bond. B. Promissory Note. C. Preferred Stock. D. Mutual Fund. C--Is not correct. Helping somone. There was half missing, just forget the question. =)

A) 3. The common denominator is 16. When you multiply the numerators by the factor they need you'll get B. I don't know why you say B is not correct. 16 is the LCD.

I need emergency cash, once again, what about online cash in 24hrs. and the dangers.?

A) You never get ahead because of the high price of barrowing......

where can I get emergency cash to protect myself, no police or they will kill me, i am scared what ccan I do?

Q) a man told me that i owe him money for goods purchased in my past, he is threatning me I am not sure how serious he is but I am a little concerned, he told me that if I envolve the police he will killme

A) family,pawn shops, payday advance loan places, check for cash places.. why not just buy a gun ?

Where can I get emergency financial aid to help me pay my rent in Sacramento, CA?

Q) I receive SSI- my sole source of income. This month I am not eligible to receive my usual monthly payment-so now I cannot pay my $675.00 rent. Where can I get an emergency cash grant immediately in Sacramento? I wouldn't even care if it were one that I would have to pay back!

A) The Government has created a portal to help individuals who need benefits because of life events. Visit http://www.govbenefits.gov Use the drop down button DO YOU NEED BENEFITS BECAUSE OF A LIFE EVENT? Choose the life situation best applicable to you and then see if you qualify for the available government assistance. Forget grant money - there's hardly any money for individuals. Go to the Catalog of Federal Domestic Assistance (CFDA) and Grants.gov - these are two sites created by the federal government to provide transparency and information on grants. But you'd be hard pressed to find any grant that would support individuals. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/expanding/grants.html... "The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments." For private grants, you may want to check the Foundation Center's Foundation Grants for Individuals Online. It's a subscription based website ($9.95 per month) but their opening blurb only says that the database is ideal for "students, artists, academic researchers, libraries and financial aid offices." Entrepreneurs are apparently not one of them, so I take it they also don't have listings of private foundations who give grants to would-be entrepreneurs.

How to legally make money in emergency bill situation.?

Q) I'm 21 and new to being on my own... budgeting is hard with a crappy job. Coming up short for bills this month and I'm looking for a second job. Is there any legal way to make some emergency cash? Phoenix area if that helps.

A) There are lots of small restaurants that pay cash daily for bus boys and cooks. I know that's a sucky job too, but it's quick and legal.

Are there any dentists in Aspen, CO who will take a new patient, cash, for an emergency toothache?

Q) Am working in the area but will be leaving at the end of the month. Have a toothache that will require either filling or extraction, and won't be able to return to my home dentist soon enough to deal with this. Any recommendations?

A) I am not in Colorado, but I can offer some pointers. Any dentist near a city will try to accommodate stranded travelers with a dental emergency, especially if they offer cash. Ask local people at work - you'll get some good suggestions. If you're there for a limited amount of time, a dentist would typically do their best to get you out of pain and temporize the tooth until your regular dentist can treat you. If it really can't be saved, an extraction might be necessary. I once worked at an office near several extended stay hotels. We got walk-ins from all over the world and we always tried to help (including finding health-forms in a variety of languages). Keep in mind that the best dentists are busy and they won't want to make their scheduled people wait, but if you're patient, you can probably be worked in.

i need a emergency loan i work but i get payed cash and i only ave a savings account?

A)

Do you hide cash from your spouse?

Q) I keep an emergency fund of cash from my wife. I use it for my own small purchases, presents, and in case of emergencies. Is this normal? Are there others out there (male or female), who keep a small amount (say <$1000) of cash hidden away?

A) Yes, it's perfectly normal for married people to do that whether they are male or female. Don't feel guilty. It's a form of security. Our parents used to refer to it as 'saving for a rainy day', although when you're doing it w/o your spouse's knowledge, it's more like saving ... for YOUR rainy day..lol! ;-)

If you live in earthquake, hurricaine or tornado country ..are you prepared fro the next one?

Q) Do you have enough water for five days? Do you have food that will last a week and not require heat to prepare the food? Do you have extra prescriptions on hand? Do you have emergency cash? After the 1989 Loma Prieta earthquke there was no power and no ATM's for days. The stores werew trashed with food spilled and floors were brown and sticky. Do you have a bike? There is no gas in an emergency. Do you have a crate for your dog or cat? ~We all learned from Katrina that FEMA won't help you....and the Feds are broke.

A) Man,i can imagine that.of course i will prepare for the next one,but i was lucky coz i live in Malaysia.

Hello, what is a good loan to apply for. I need a personal loan to apply for?

Q) I want to apply for a personal loan for emergency cash problems and I want your opinion on what is a good loan to apply for? I need the money TOMORROW!

A)

Money makes you SAD/ANGRY/MEAN/HAPPY?>>>please read full article before answering!?

Q) Money Matters by Suze Orman Count Your Blessings -- and Your Money by Suze Orman Utility Links Printable ViewEmail this PageMonday, July 31, 2006 I'd be the last person to tell you that money can buy happiness, but I'm fascinated by recent reports insisting that money isn't a major factor in whether or not people are happy. Please. Positive psychology (that's what academicians call the study of human happiness) is a hot field of research, and the folks at the Positive Psychology Center at the University of Pennsylvania have come up with an interesting questionnaire that's been getting a lot of press. Yet nowhere in the 24-question Authentic Happiness Inventory does the issue of money -- or, more important, our desire for financial security -- merit a mention. Hmm. A Conspicuous Omission Given how expensive our lives are, how can money not be a factor? We have huge mortgages and tapped-out home equity lines of credit weighing on us. College tuition bills have never been more daunting. Our employers are less likely to give us a defined benefit pension, so the onus is on us -- and our 401(k)s -- to figure out how we'll be able to afford retirement. If we're lucky enough to get health insurance through our employer, the trend is for each of us to be responsible for a greater portion of the bill. I would love to live in a world where authentic happiness was achievable solely from the richness of relationships, but I'm a realist. And the reality I see -- and that so many of you write to me about -- is one in which money plays into our ability to be truly happy. Yes, I've heard about the study of lottery winners that showed they were not relatively happier than those who hadn't won the lottery, and the one reporting that folks on the Forbes 100 list (the wealthiest people alive) weren't much happier than the average American. Those studies show that being filthy rich doesn't ensure happiness, but that's not something most of us have to contend with. I'm talking about how your happiness is affected when you're worried about how you'll pay the bills at the end of the month, save for the future, and be able to afford to retire. In other words, how you'll make ends meet. When those worries are your reality, I think it's ridiculously hard to be authentically happy. Happiness Is Income-Sensitive Apparently, I'm not the only one who thinks so. A survey conducted earlier this year by the Pew Research Center reports that, overall, just 34 percent of respondents are very happy. But when you start to slice the findings by income, it gets very interesting: 49 percent of respondents with an annual family income above $100,000 say they are very happy. When income falls between $75,000 and $100,000, the very-happy contingent falls to 38 percent. Just 24 percent of those with incomes below $30,000 said they were very happy. I want to be quite clear: I'm in no way saying that money is all that matters. But I'm so tired of how scared everyone is to admit that money does in fact make a difference in the quality of our lives. A Family Affair Most of you would probably say that what makes you truly happy is your family and the love you share in your relationships, and I couldn't agree more. But money comes into play in those relationships, too. When I talk about money this way to a group, invariably someone comes up to me afterward and give me a "tsk, tsk" look and says, "Suze, you are so wrong. Money isn't the key to life, this is!" At which point their wallet flies open and they show me a photo of their family. That's when things get interesting, because I start asking them questions: Did you take that photo with your own camera? It looks like a beautiful beach; was the photo taken on a family vacation? Are those braces I see on the two teenagers? Do you hope to help those beautiful kids go to college? As their heads bob in successive "yes" nods, I ask them how they provide all of that for their family. That's when they understand that I had it right. Richer, But Not Happier At the risk of repeating myself, I totally agree that family and friends are vital to our well being; without meaningful relationships, there's no chance of ever being truly, authentically happy. That's why, every Saturday night, I end my CNBC show with the following words: "People first. Then money. Then things." But money does have a place at the table. If you don't have money to buy things, you're going to be very frustrated. It's just that simple. How we handle the money we have also plays into our happiness. The Pew survey points out that over the past few decades, the percentage of Americans who say they're happy hasn't changed much (it hovers at around one-third of the population), while at the same time the average per capita income has doubled in inflation-adjusted dollars. So we have more money, but we're not much happier on average. A paradox? Far from it. My sense is that we while we're making more money, we aren't making more of the money we make. We have a ton of debt, and we have to worry about saving for retirement in a way that our parents and grandparents never did. And as many of you know, it's really hard to boost your happiness quotient when you've got a lot of money worries. Where Are You on the Money/Happiness Scale? Do you agree, or am I way off base? I'd love to know what you think about the money/happiness connection. So answer the following questions and find out how you stack up with your fellow readers and happiness-seekers. (Please answer and submit your response to one question at a time.) Question 1: Money has absolutely nothing to do with my level of happiness. Strongly agree Agree Disagree Strongly disagree Neither agree nor disagree Question 2: Money is a factor, though not the only factor, in my happiness. Strongly agree Agree Disagree Strongly disagree Neither agree nor disagree Question 3: I would be happier if I didn’t have to worry about paying the bills every month. Strongly agree Agree Disagree Strongly disagree Neitehr agree nor disagree Question 4: I would be happier if I could afford to save more money for my long-term goals (such as buying a home, paying for a child’s college education, or retiring comfortably) Strongly agree Agree Disagree Strongly disagree Neither agree nor disagree The columns, articles, message board posts and any other features provided on Yahoo! Finance are provided for personal finance and investment information and are not to be construed as investment advice. Under no circumstances does the information in this content represent a recommendation to buy, sell or hold any security. The views and opinions expressed in an article or column are the author's own and not necessarily those of Yahoo! and there is no implied endorsement by Yahoo! of any advice or trading strategy. -------------------------------------------------------------------------------- ADVERTISEMENT Recent Columns Emergency Cash Is a Necessity, Not a LuxuryMonday, July 17, 2006Why It Pays to Review Your Life InsuranceMonday, July 3, 2006Money Matters ArchivesDiscuss this column on our message boards Suze's Finance Software Will & Trust Kit The fastest and easiest way to create must-have documents. A $2,500 value, valid in all 50 states. Only $13.50. Buy Now. Insurance Kit Make sure you have the insurance you need. Evaluate your insurance policies instantly. Only $43.98. 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A) After one's basic needs (food, shelter, clothing, etc which reflect money or other assets) are met, other aspects of ones life may become more important than money in ones happiness. These are considered in some corporate compensation programs and may include things such as: recognition of accomplishments by management and peers, personal development opportunities, status symbols, and self fulfillment opportunities.

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