Open Question: was i wrong to have gotten rid of it?

Should i have given it back? my common-law's ex left some stuff and a photo album at his home in england. when they broke up, she wanted him to send the album. he said she could have it when she sent his ring back. it was an engagement ring he bought her only because he was pressured into it and wanted it back to pay off the credit card bills she raked up buying pizza in america (where she lived) and going out drinking with her friends, etc. so anyway he moved to canada to live with me. we've been together for three years. she had excuse after excuse for not sending the ring then finally said her roomate 'threw it out' but lo and behold bought new breasts in the meantime so anyway he brought the album to canada when he moved here and she never did send the ring. i finally said screw it, shes a nasty gold digging two faced --- i could go on...so i got rid of it, i didnt want that crap in our home or our lives anymore. she kept messaging me asking me to send it bla bla bla. i know its her property but in the circumstances did i have a right to receive rid of it? my common law wanted to toss it out years ago, i said hang onto it, its not nice to just chuck it but u should receive ur things back too. then she gave me attitude one day about not sending it and i snapped...i said u ungrateful little *****, i kept his ex gf's crap hanging around OUR home to be nice to YOU when i dont owe u anything, so screw it, im done...she had given me attitude because i said it was in a box somewhere and when i had a chance to find it i would and id send it (even tho she never did send the ring), we've been in the middle of renos, work, school and life, i havent had time...then she threw attitude about it and so when i did arrive across it, i just threw it out the only reason it was still here in the first place is becuase of me, he wanted to receive rid of it a long time ago was i wrong? yea i have blocked her and im ashamed i was ever nice to her LOL blue pass u dont know the details about the 'proposal', so no he didnt want to, as for twisting his arm, that could be metaphorical he couldnt really take her to tiny claims court when they live in different countries

7 Sep 2008, 9:47 am | click here for answers

Open Question: How would my credit be?

I have had an overdraft, payed it off, Also, I maxed out my card the first two months I got it and then payed it allll off at once, with no tardy fees or anything, do you think my credit is good enough to receive a car loan, and I make about 700 a month??

7 Sep 2008, 9:41 am | click here for answers

Open Question: how old should my son be before i give him a credit card?

my son wants a credit card and he is 14 is this a good age for him to receive one if not when should i give him one

7 Sep 2008, 9:32 am | click here for answers

Open Question: I acumulated $40,000 in debt through credit cards and personal, and auto loans. Is bankrupcy the answer?

Just cant keep up with the minimum payment and have tried consolidation, and negotiation. Dont know what to do.

7 Sep 2008, 9:30 am | click here for answers

Open Question: Question about eBay...?

I'm trying to post something to Want It Now, but whenever I submit the post, it says "To post to Want It Now you'll need a valid eBay account with a credit card on file or have a feedback score of 5 or more." What does that mean?

7 Sep 2008, 9:29 am | click here for answers

Open Question: When Dems CEO Pay is Outrageous, does that Include 3 Clinton Employees' Earning $225MIL at Fannie Mae & Citi?

- Jamie Gorelick - Built Clinton's "wall" that protected Al Qaeda pilots from the FBI. Earned $26 MIL. as Vice seat of Fannie Mae - Franklin Raines - Clinton's budget director. Earned $50 MIL as CEO of Fannie Mae. Had to return $20 mil and resign for "untrue accounting." - Robert Rubin- Clinton's Sec. of Treasury. Earned $150 MIL at Citibank helping the bank make tons of money in credit cards and mortgages off of the needy, elderly, single moms, etc etc. They gave a ton of money to the DNC and Dems. Isn't it great knowing the Dems are looking out for the little guy?

7 Sep 2008, 9:29 am | click here for answers

Open Question: Can I get a check card with 0% loan rate if I'm coming to study for a 1 yr. master's in the UK?

All I want is a checking account from which I could take out tiny sums of cash at 0% loan rate, if I need it earlier in the month until I receive it from my main funding source. I have no credit history(well not in the Uk at least), but I had a checking account opened in the US last time I was there. I am a Romanian national and was wondering if I could receive that as I'm getting ready to arrive as a student for a 1 year master's in Leeds.

7 Sep 2008, 9:26 am | click here for answers

Open Question: Teens, what do you think about my website?

I am 16 years old. And saw that most people want to do online shopping (most teens) but they can't...because they do not have a credit card. So, I created a website that allows you to store online with a money order! Please give me your opinions. http://jamrie.com I also have employees, maintaining the website, chat, support, etc.

7 Sep 2008, 9:18 am | click here for answers

Open Question: If I continue to make token payments on my credit cards, my account can not be handed over to collections ?

I heard somewhere that if I continue to make payments however tiny then my account can't be handed over to collections. As technically I am not in default. Is this true. I need to hear from someones personal experience or difficult fact based on regulation. Thank you

7 Sep 2008, 9:11 am | click here for answers

Open Question: how do the Baby Phat prepaid credit card work?

I receive that you have to pay $19.95 for an activation fee & every, I'm just wondering what does capped at $10 per month mean? do i also have to pay $10 per month? and do they charge you if you don't deposit any money on your card for a while? how long can you leave money on your card for? up to how much?? THANKS!

7 Sep 2008, 9:09 am | click here for answers

Open Question: Can someone help me with an 8th grade math question?

Try to explain how you got your answer. Jean received her monthly credit card statement. The balance owing is $1 846. Included in this is the previous month's balance of $789, which Jean has already paid. Estimate the amount to be paid this month. Thankss!

7 Sep 2008, 8:58 am | click here for answers

Open Question: I have very bad credit and need atleast a $15000 loan. ?

I currently possess my possess home but have horrible credit. I have been tardy on some payments and I have one credit card that is in collections. Is there any lender out there that will give me a loan??

7 Sep 2008, 8:44 am | click here for answers

Open Question: I am 18 with no credit score at all.?

I've been 18 for 3 months. I checked my credit score and it says " i do not exist". How long would it take me to build a credit score of like 700 starting from no credit at every ? I plan on taking out a secured credit card w/ my bank and piggy backing my grandma's credit by being added to her credit card. What else can I do? I want to take out a loan for a car to help build my credit but i cant do that if i don't have any credit at every!

7 Sep 2008, 8:42 am | click here for answers

Open Question: can a person still use his maxed out credit card in the pharmacy, grocery? will the transaction go through? ?

7 Sep 2008, 8:36 am | click here for answers

Open Question: How can a Thirteen year old make money without using a credit card/ phone number?

7 Sep 2008, 8:23 am | click here for answers

Open Question: Legal matters around my friends death?

A pal of mine committed suicide because he had lost his wife and kids through divorce, and was just extremely depressed. He had a lot of credit card debt. What I'm asking is who has to pay off the credit card bills that, as far as I know, are only in his name. If it is his next of kin, not his kids of course, that would be his mom. I don't have a lot of money, but if his mom is stuck with the debt, I would like to help her out if I can, and a lot of his friends feel the same way. We do not want to help his ex because she will be getting a nice settlement from his life insurance policy. Assuming they pay on a suicide that is. So who receive stuck with the bills? Please Please only if you know for sure and thank you everyone.

7 Sep 2008, 7:44 am | click here for answers

Open Question: What information do I need to sell on ebay?

Hi, I just turned 18 and I wanted to know everything I'd need to start an selling account on ebay with Paypal? Do I need a phone in my name credit card etc. etc. or where could I find every this out. Thanks.

7 Sep 2008, 7:30 am | click here for answers

Open Question: How to play online poker in India by transfering funds from my friend's account in UK? ?

Am living in India. I am unable to transfer money to online poker websites since am from India. I tried every the methods but in vain. Hence am goin to transfer money to my pal in UK. He is goin to transfer money to the online poker website by opening a Netteller account in his name and transfer through his credit card. He is going to open a NETELLER account in his name and not in my name, since the details in his NETELLER account should match his credit card details. He will transfer funds from his credit card to a NETELLER account in his name and transfer it to online poker website. I will play online poker from that website in the account he created and will tell him to withdraw the funds from the poker website through NETELLER and tell him to transfer through online transfer from any bank to India. Is this possible?? Please help me with this. Thanx in advance.

7 Sep 2008, 7:27 am | click here for answers

Open Question: Ps3-bargains.com is legit!?

I just wanted to say to every you little retards that think ps3-bargains.com is a scam. Well it isnt. I bought the ps3 for 34.99 off the site and got it 7 months ago and it is still working. I went to the bank and they did not steal any credit card information i think it waas a different site back then. And wtf? im not no owner.

7 Sep 2008, 7:23 am | click here for answers

Open Question: can they be used for online shopping.What are the risk involved? Debit ebit cards ?

My bank is pushing me to use debit cards They are not giving Credit cards

7 Sep 2008, 7:03 am | click here for answers

Open Question: what does 0% apr for 6 months mean? does it mean i have 6 months to pay something off?

or does it mean after the first 6 months of having the card anything i buy i pay an extra %? ive never had a credit card but how do people receive is such debt? if i bought something for $50 and pay it off by the end of the month will i ever pay more than $50? one creidt card says 0% intro apr on credit card purchases. please explain. i dont want to be stiffed by the man. thanks

7 Sep 2008, 6:38 am | click here for answers

Open Question: What is best Visa/Mastercard prepaid/debit card?

I was looking for a prepaid card(visa is preferred). So,my question is what is the best? Which prepaid/debit card offer the best feature and benefits for a teenager like me(17).I was looking a card with a below specification: 1:Discount from bookstore and mobile air time reload card. 2:receive reward and rebate from purchase. 3:Easy application and guaranteed approved. That's every.wish you guys can give me a hints. Don't suggest Credit card please! Thanks! Thanks for the answer.I need the prepaid card.I need it to pay bills and online shopping.I am not shopaholic but I can receive discount and rebate by using prepaid/debit card,isn't that great? Thanks for every the advices, Sincerely, Steve

7 Sep 2008, 6:19 am | click here for answers

Open Question: Will I ever be happy?

I am not glad, and I'm beginning to doubt that I'll ever be. In my quest for happiness, I thought that if I buy this or that, or go on an exotic vacation that I would be glad. It didn't work, every I ended up with was massive amounts of credit card debt, so much so, that I ended up having to file for bankruptcy, although loosing my job didn't help matters much either. Now, I just live from day to day, I'm sleepy of being unhappy, but everything I've tried has failed, and I don't know what to do. I have no health insurance, and what little money I had is now gone. I've contemplated killing myself, but with my luck, I'd live through it, and end up with medical bills I can't pay, so that's out of the question. I am not a religious person, nor do I wish to become one, so "finding God", "Finding Jesus", or finding whoever is not an option.

7 Sep 2008, 6:07 am | click here for answers

Open Question: can I close my brothers credit card accounts?

He recently passed away, and I'm afraid his ex girlfriend had his account numbers and may try to use his accounts. I have his cards with me, He also has a grown son ,who doesn't have power of attorney I have concerns about him using the credit cards too. What should I do?

7 Sep 2008, 6:06 am | click here for answers

Open Question: Switch Xbox 360 Payment?

Ok i pay with a credit card for my Xbox Live Account DeathNote456 is there any way I can switch my payment options to Xbox live cards

7 Sep 2008, 6:03 am | click here for answers

Open Question: prize rebel, kindaaaaaaaaa?

i like the whole idea of prize rebel, in fact i adore it, receive paid to take surveys, sweet, but i live on guam (its neat the filipeans) and none of the offers work for me, can any1 reccomend a sight that does the same thing but will work in my area ( it must give credit to paypal OR ijji cards)

7 Sep 2008, 6:02 am | click here for answers

Open Question: Why cant I get a loan?

I am 19 and I thought it would be a good idea for me to take out a tiny loan and pay it back slowly in order to build credit. The problem is....nobody will give me a loan. Is there another way to build credit because nobody will give me a credit card either. I feel like this is hopeless... I need a cosigner for everything and I just dont have one. Getting credit is essential for me because I am on my possess now and you need good credit for everything. ex. an apartment It is like a vicious circle, you cant receive anything without credit and you cant receive credit if you have not already bought and paid off something. Its just very difficult, any tips would be greatly appreciated and please no spam.

7 Sep 2008, 12:07 pm | click here for answers

Open Question: How to combine credit cards, to pay them off in one lump sum?

I have two credit cards with debt of 7,000 with both cards combined. Is there a way that I can combine those credit cards and lower the payment and pay them in one lump sum? I just want to receive rid of these cards so I can move on with my financial growth.

7 Sep 2008, 12:04 pm | click here for answers

Open Question: Is it smart to buy a Wii on a credit card when you have to others maxed out?

7 Sep 2008, 11:56 am | click here for answers

Open Question: TERRIBLE computer virus, please help?

in the background of my desktop it has a window called "windows warning message" and it says " """"""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""" Warning! Spyware detected on your computer! install an antivirus or spyware remover to clean your computer WARNING! Win32/Adware.Virtumonde detected on your computer DANGER Warning! Win32/PrivacyRemover.M64 detected on your computer DANGER please activate your antivirus software to clean your computer """""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""" please help, this is my step dads computer, i am trying to help him, he said hes tried a bunch of software to try to remove it and he says it has pop ups that tells you to enter in credit card information and that its a big scam, it would help a lot if i could fix it for him, we're broke and we cant afford to pay for a new computer, let alone he has hisbusinesss set up on the computer. thanks everybody.

7 Sep 2008, 11:49 am | click here for answers

Open Question: Do I need the debit/credit card used to buy the items when I am returning them if I have the receipt?

Basically I was bought items from Topshop and I want to return one of them. They were bought with a credit/debit card the details apart from the full card number are printed on the receipt. I'm just wondering as I didn't buy these items and so I dont have the card they were bought on, do I need the card to return them if I have the full receipt and clothes with tags? Sorry kinda complicated!

7 Sep 2008, 11:47 am | click here for answers

Open Question: how can i get a free credit report?

I think it takes the piss that i have to pay for my credit report, companies that want to look at it should pay me! the problem is i dont have a credit card so im finding it impossible to view it. I'm in the UK so the one benath doesn't apply and its not free

7 Sep 2008, 11:47 am | click here for answers

Open Question: Credit Card Questions: Please help!?

My due date is 9/12/2008. My closing date is 9/23/2008. I currently owe $93. I use Bank Of America but my eBils havent been initiated, because I just got this credit card less than a month ago. How do I pay bank of america? Its 4 day delivery without ebills, so do I have to pay tomorrow the amount of 93$ that I owe? What if I am going to spend between the 8 and the 12th? Should I pay 100$? Will that credit me? Thank you for your help!

7 Sep 2008, 11:44 am | click here for answers

Open Question: What do my Marine and I have to do after we get married?

Hello. I'm marrying my fiance in 2 weeks and he's a Marine. What are some of the things he has to do right after we receive married? I know about calling the SSA to change my name on my SS card and i know about going the the dmv, and calling banks and credit card companies and notifying my school. I also know some of the things he has to do. He has to enroll me in Tricare or Deers...something like that and i receive a military card and some other things i dont really remember. What else has to be done? Thanks! Also, I probably won't move with him until I finish my last two years of college so we're not worrying about base housing now.

7 Sep 2008, 11:43 am | click here for answers

Open Question: Does anyone know anything about a company called Merchant Partners 310? They billed my credit card somehow?

How can I find out who "merchant partners 310 " is?? They've billed my credit card and I have no idea who they are and want them to cease as I never authorized them to do so. The same thing happened to me by a company called CheckBillWaus. It starting from making a purchase from an infomercial. I bought the TOBI. Beware: stay away from this company. They sell every of your information and your life will be ruined. From your credit to your social life....You receive non-cease calls from people saying that you have won things!!! They are every just trying to receive the relax of the info that they need to take over your whole identity. I have talked to the credit card company and apparently it is too far away for them to do anything. They said it will cost them too much money???? Look up CheckBillWaus on google. You will find the same nice of info and I believe that these two companies are connected. They take $1.07 and up from hundreds of people everyday and there is nothing that can be done, unless we set up a group lawsuit. Anybody in on this, let me know....I will be more than glad to participate!!!!!!

7 Sep 2008, 11:36 am | click here for answers

Open Question: What accomplishments has Obama made in his life?

Look for yourself http://www.barackobama.com/pdf/ObamaBlueprintForChange.pdf i suggest you read that entire blue print but i will sum it up for you. ok America is #3 in preventable deaths right behind two 3rd world countries. Barack Obama has a brand new plan to make health care affordable and end the monopoly of the 2 major insurance companies. We also pay over double for drugs than other countries so he is going to allow Americans to buy drugs from other Developed countries. He is also going to make Generic drugs more available and block big drug companies from preventing the sale of generic drugs. this list of solutions goes on! Our credit card companies make 90% of their profits on our poorest citizens! Barack Obama will put a interest rate cap of 36% on credit cards, he will make a consumer reports style grading system on every credit card and make it clearly shown on credit card applications! He will make it easier to read and understand credit card offers. He will ban interest rates on fees!! This list too goes on! Our banks are committing fraud and ruining our housing market! Right now if they are caught committing fraud they will make billions and be fined millions and walk away free and stay in business. Barack Obama will put them in jail if they commit fraud! He will make sure home owners have honest and complete information about thier mortgage options. he will give tax credit to middle income families. This list goes on! We have the highest disease statistics on planet earth. Barack Obama will increase the budget on prevention of disease right now we spend 3 cents of every health care dollar on prevention which is clearly not working. I want every these things and im amazed that Barack Obama wants them too i really am amazed that he cares so much about us. I wanted every of these things already and he to me is like a dream arrive true! Barack Obama has already been in the government and his track record is one of integrity and fighting for the American Worker he already has fought George Bush on things and won! he has some of the best ethics in politics!

7 Sep 2008, 11:33 am | click here for answers

Open Question: Credit Card Question?

I need a credit card with a 14k limit. The thing is, I have an acccount with every the major credit companies/banks. BoA,AMeX(2), Capital One, Chase, Discover, and my current car loans are with HSBC and Wachovia. I was told by my personal banker at Bank Of America that if I have a co-signer that they would take the lowest of the scores to determine the amount and interest rate of the card. So, my question is if my mom applies for the card is there any way that she could have me be made as a co-owner and then have her name taken off? I do not want a loan btw. The point of not taking a loan is to take every my balances and to transfer to a 0% interest card and during the first year toss a lot of money on top of it. My Experian score is 721. But, I do not possess anything yet in my name, so I cant receive anything that high yet. She already has one with double the amount I need and owns her possess home and property. And your comment of her not adding me to the card was not part of the question I asked.

7 Sep 2008, 11:28 am | click here for answers

Open Question: Will I be approved for a credit card? What are the odds?

I have not established credit, I'm a college student and I was going to receive a job this summer but it never worked out, so that makes my employment history pretty much nonexistent. I need a card though because school starts really soon, and debit cars aren't really working out for me. I'm probably going to receive a job during school, but I dont want to wait till then to apply. What are the odds of me getting an American Express Blue, Blue Cash, Clear, or Blue Student card? Are there any other cards with low APR, and 0 apr for 6-12 months that would be ideal for me in my situation? thanks! Also, say I apply for Blue, and I am denied. Will my credit score decline even though I don't even have any credit established?

7 Sep 2008, 11:27 am | click here for answers

Open Question: O2 buy online phone delivery?

I want to buy a phone from o2 but i am going on holiday for 2 weeks in a week, how long will it take for the phone to receive here if i order it today? I have tried to find out by going to the online checkout but then it has to take my credit card,my number,email address details etc before i can look at how long it takes. So does anyone know how long??

7 Sep 2008, 11:18 am | click here for answers

Open Question: can i purchase a car from someone who still owe it to the bank ?

Ok, this guy is selling a 2005 subaru impreza with 35000 miles on it and he's selling it because he owes $18000 to the bank and he can no longer afford to pay the monthy payment which is close to 395/mo so i wanna buy it from him but i dont have enough credit for $18000 my credit is low because back in highschool i messed up 2 credit cards but i've had a car payment less than 10000 that i just finished paying off last month with NO tardy payments or deliquency " so is there a way that me and the seller can just swap out names off that loan and take over his payments from the bank without re-financing, after every i'm doing the bank a favor before this loan gets delinquent" ?

7 Sep 2008, 11:17 am | click here for answers

Open Question: 10 cent paypal donation?

ordered something on ebay for 9.10 with shipping but I only had 9.00 in my Paypal account but I figured there would be no problem with that since I could just add 10 cents to my paypal account from my credit card but for whatever reason Paypal declined my credit card and now I cant pay for the item I am contracted to purchase. I'm sure I am going to receive killed for this but I was curious if anyone could just send me like 10 cents through paypal? I would really appreciate it.After i figure out what went wrong i will be glad to pay you back. Thank you. paypal: erikb2g@yahoo.com

7 Sep 2008, 11:16 am | click here for answers

Open Question: How can you settle a credit card debt without using a "credit counselor"?

I have credit card debt with 2 companies. I want to try to settle the debt for about 2/3rds of the total with each one. Anyone know hwow I can do this without using a credit professional?

7 Sep 2008, 11:07 am | click here for answers

Open Question: WHY DO REPUBLICANS NOMINATE "MENTALLY CHALLENGED" CANDIDATES FOR PRESIDENT?

The party had Ron Paul and picked another retarded man to represent them. The GOP IS NOT FISCALLY CONSERVATIVE, they are like a unemployed teenager with Daddy's unlimited credit card. The party needs to cease pandering to the pecker-wood Social Conservatives (Palin) and find itself. They didn't pick me because "I didn't kilt me a bear with a nife" I think Ron Paul should become Governor of a state with 0.2% of the nations population. That help him. He could always claim in sat in a cell without a kitchen.

7 Sep 2008, 11:01 am | click here for answers

Open Question: With a bankrupcy case does it usually end up in just a consolidating of credit cards with 1 payment?

Im wondering with a bankrupcy case.. will it be easier than juggling the 10 credit cards and their minimum payments, and having collections after me?

7 Sep 2008, 10:50 am | click here for answers

Open Question: no credit history ...wanna start with 3 secured cards, is that wise to do !!!?

i have no credit history and was denied credit cards for at least 6 times..i just heard recently about secured credit cards and like the idea ,but being a on my mid 20s i need to start building my credit quick, is the idea of getting 3 secured ones sounds wise or ....any suggestions!! thank u every!

7 Sep 2008, 10:43 am | click here for answers

Open Question: Help with Prepaid Credit Cards?

I want to receive a credit card, but I don't work or anything like that - so I am not able to receive a credit card, so I wanna know what's a good PREPAID credit card? I heard about the baby phat one, is that any good? I wanna be able to have one that i can use to store online, like ticketmaster, to check in hotels and to be able to rent a car, etc. I NEED HELP!!

7 Sep 2008, 10:25 am | click here for answers

Open Question: How to fix my computer to be ready to sell/give away.. Erase all personal items..?

I would like to give my computer away to my cousin.. but I have alot of Credit card numbers.. phone numbers.. and a bunch of other things on the computer which already (I believed ) has a virus on it.. Is it possible to receive it how it came? (like the first day) its an OLD Wind ows X P.. HELP!

7 Sep 2008, 10:18 am | click here for answers

Open Question: Is there a limit to how much credit card debt you can wrap into a home equity loan?

If you have $40,000 in credit card debt, but the home has doubled in value from $130,000 to $260,000 could you receive a loan for that amount and include your credit card debt? For the $260,000?

7 Sep 2008, 10:13 am | click here for answers

Open Question: I'm only seventeen, can I already have bad credit?

Call me paranoid, but despite the fact that I attempted to check my credit score via annualcreditreport.com and failed because it said there was no report on me because I'm a minor, I'm still afraid that I have bad credit. I've had a credit card below my name (and my dad's) that went to a collection agency because the $1,500 debt was never paid off. I'm pretty sure that's still not paid off. I have a Bally's Fitness account partially below my name that has had tardy payments. My library account has a ridiculous fine. (Does that even count?) A lot of the over is partially my fault. I never should've trusted my dad when he said he'd be able to pay off the $1,500 down payment (long story, it was to book a ballroom for a hotel - total mistake, I know) on time. And who can I blame besides myself on the huge fee on my library account? (My pal tells me it goes on my credit score, but I'm still not sure.) But I am looking forward to building my credit once I turn eighteen by getting my possess cell phone contract and paying that off monthly and other credit-builders, but what I'm worried about is that right off the bat I'm going to have bad credit when most students that turn eighteen simply have no credit at every. I'm afraid that while I have no credit report now, the day I turn legal (mid-October) every of those red flags will be the only listings on my credit report. So, am I in for a severe uphill climb on the receive-go? Or do I receive a clean slate?

7 Sep 2008, 10:11 am | click here for answers

Open Question: How to add minutes to a verizon wireless prepaid phone with a debit card?

I go to the website and i click the option that says i can pay with debit card and it only has the form for a credit card

7 Sep 2008, 10:04 am | click here for answers