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Need Banking Advice for Our Business - McKinney
Asked by J.E. from Dallas
on August 5, 2007
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Hi Mamas!
I always get great responses here and I'd love your help once again. My husband and I have started a business and need to set up a business checking acco...
Answers
- View Point Bank has alot of help for first time buisness owners as does Wells Fargo
- My husband and I both have business accounts with Chase Bank (allen) I HIGHLY Recommend them. Paul Sims is our banker. This is why I LOVE THEM!!! We were on vacation...
- Congratulations on starting your own business. I am not familiar with which banks are in McKinney, but for our business, we have found Capital One to be excellent. I...
The Trials and Tribulations of Being a Landlord
Asked by S.G. from Norfolk
on May 6, 2011
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My husband has expressed some interest in purchasing a 6-unit apartment building nearby and being in charge of it. He's a handy guy, so could do a lot of maintenance ...
Answers
- I have a lot of family members who own rental units or apartment or multiple condo units. You will need A LOT of extra time in the front end to make sure the unit...
- It can be trouble, but not always or all the time. Of course, not all renters are jerks but you can end up with one. Some renters will take advantage of an absent la...
- So you know how if you own a house and something breaks you are in charge of fixing it? Well imagine that you are now responsible for your house plus all the toilets, ...
Financial Choices.....I Need Some Savvy Mama's to Advise Me!
Asked by M.R. from Boston
on April 5, 2011
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I was laid off from my job at the beginning of this year and although I went on unemployment, the loss of income was so great that I had to make a choice to pay the ut...
Answers
- Well, I'm no financial guru or anything, but we are just pulling out of some tough financial times due to job loss/economy problems as well. What we learned (the hard...
- the general recommendation is that 10% of your net income be put into some sort of savings each month. after combining yours and your husband's income and figuring ou...
- I think deep down you are really afraid of losing your job again and prefer to save every ounce you get even though you are in credit card debt. My advice would be to...
Dave Ramsey Program How Long Did It Take You??
Asked by S.T. from Kansas City
on October 26, 2010
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Just feeling a little off course and wondering how long it took you to become debt free or almost debt free? I felt like we were on a great roll and paying off a lot m...
Answers
- I love the Dave Ramsey program!!!!! It took us a year and a half to pay off $80,000 in debt- most of that being student loans and boy, oh boy, it felt GREAT to kick...
- Wow Denise, Including the house? Awesome! We basically just have the house mortgage debt and try to apply a little extra each month to that but our income plummetted...
- I read the book and listened to his radio show. Probably took over a year to be debt free....depends on how much debt you have to begin with. You'll see the "snowbal...
Debt "Recovery"
Asked by J.G. from Chicago
on April 26, 2010
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I have seen on tv and heard on the radio commercials for a "government debt recovery" program for people with high amounts of credit card debt. Does anyone know anyth...
Answers
- Ok I admit I know very little about this, but the stimulous plan includes monies to be used to reduce debt. My understanding of it, is to prevent people from loosing ...
- http://www.ftc.gov/opa/2010/04/unitedcredit.shtm The FTC recently banned and fined several companies for this kind of solitations and making false promises. That ...
- Listen to Dave Ramsey on the radio if you are in Northwest IN it's 1230 AM WJOB from 2 - 4pm. To listen to pod casts go to www.daveramsey.com. He calls them debt "C...
Doctors and Insurance
Asked by E.S. from New York
on February 3, 2012
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I've seen the same doc for more than 10 years. He doesn't accept insurance anymore and is very expensive. However, I trust him implicitly and only go once a year. Woul...
Answers
- Not worth going into debt over. There are many good doctors.
- I would change. I have seen many doctors over the years (military) and have always gotten good care. If I did not like one they gave me, I requested someone else. N...
- Talk to him and see if he will provide a discounted rate since you are paying out of pocket...maybe something comparable to what the insurance rate would have been. T...
Short Sale Wrinkle
Asked by V.L. from Chicago
on March 30, 2011
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After waiting about two years it looks like our short sale has been approved for a very lucky buyer. Bank of America is selling our home which we owe $235,000 for $15...
Answers
- You need to address these ?'s to your mortgage professional. I have one in my networking group and she has talked about this situation since last fall. The IRS has s...
- It does mean it is added income. Yes, they certainly can do that. Your bankruptcy may affect how you are taxed on it. Talk to a tax professional to get that answer.
- From what I understand, you could be in a similar situation with a foreclosure, depending on how much the bank gets at auction for your house. Technically, they can s...
Money a Huge Problem
Asked by M.P. from Dallas
on April 10, 2007
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Hi ladies,
well my husband and i make enough money monthly to cover our bills and more. But we are so terrible at budgeting that we just scape by at the end of the m...
Answers
- Hello M., My husband is a financial advisor and so needless to say, we talk finances, budgets, investments all the time. He is also a Dave Ramsey Endorsed Local Pr...
- Get the Dave Ramsey book called, The Total Money Makeover. It will inspire you, and get you excited about controlling your own money and life, not letting it control ...
- We went to a program at our church called Financial Peace University. A lot of churches have the class. You can go on line to find out what church in your area or what...
Debt Consolidation Is It Worth It/does It Work???
Asked by O.G. from Sacramento
on August 28, 2009
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I am currently in a lot of debt and looking at the possibility of using a debt consolidation company. Does any one have experience with them and can you tell me what t...
Answers
- I joined CNI a few years ago and they negotiated a good portion of my debt away. Look into them too, I cancelled all my cards and have bad credit for a few years but...
- Hi there, We looked into this last year when we encountered some of the same problems. You have to be really careful about which companies you go with - there are man...
- Several years ago I went with Consumer Credit Counseling and had a great experience with them. I learned my lesson and, as great as my counselor was, I plan on never ...
Financial Question for You!
Asked by C.M. from St. Louis
on September 10, 2010
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My hubby and I are in the process of listening to Dave Ramsey's Total Money Makeover. One of the main things he says is to get RID of your car payment!! Save that mone...
Answers
- My husband and I also went through the Dave Ramsey program and although we didn't follow it to the tee within less than two years we paid off almost $40,000 of which $...
- That's right! My husband is a follower of Mr. Ramsey. While I don't always agree with his "hard line" philosophy, he makes a lot of really good recommendations, incl...
- I'm in the financial peace university class right now. What Dave says is to do the "debt snowball." This means that you list your debts in order of amount (specifica...
