Last year, we coverted our one car garage to a living space by enclosing it, adding a window, finishing the floor. No plumbing is added. From outside, it still looks like a garage. We didn’t apply for a building permit. We are thinking of refinancing the mortgage. Note: It is in New York State. I am wondering if the converted garage will casue any issue during apraisal, title search, title insurance,etc. Thanks in advance.

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Mortgage: from 7.11% fixed for 2 yrs. and just went to 8.63% adjustable this month.
My sister has a mortage for ,000.00. and this month she will need to pay approx. 100.00/month more!. if it is a good idea to refinance, please explain what the pros and cons of refinancing are, and what she should be looking for. I believe the value of the property is supposed to be 0,000.00 now. So, the LTV=79K/110; cred score=560; income=2,700/mo (32K/yr). What would be a good deal for her? What should she look for in the professional that offers to assist her? What should she watch out for? Should she expect some sort of "hidden" fees or " a catch"?

Thanks, in advance – She will need to make a decision within the next day or so – PLEASE HELP!!!!

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I thinking it is because people will always a need home. And the market might be bad now but it will improve, i mean, it’s always going to fluctuate. I also need a career that I can enter into quickly & it only requires 2 courses and a state licensing exam.
I would like some objective opinions from an outsider’s perspective. Any advice is welcome. By the way, I live in Westmoreland county, PA (in case that effects anyone’s advice). Thanks in advance!

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I leave for boot camp next week but Im sort of getting ahead f myslef planning out my future before I even graduate. Im curious as to how hard it is to stay in the Navy for 20 years. Im 19 now and if I was to serve for 20 years Id be able to retire with a pension by the age of 40 which sounds pretty awesome. I dropped out of CSUN just to join the Navy because the benefits are great and I want to be a part of something bigger while travelling around the world repping my country, I only have 21 college credits and Im trying to make the most out of my time in the Navy. How many college creds do I need to get promoted to E2 faster? I got a 5 year HM contract but I got no enlistment bonus like my friends. Is it possible to get the 100 college units I need to get a BS to become an officer? I know Im getting ahead of myself and I might come off greedy but Im ambitous and I want to outdo my sister who puts me to shame academically. I understand that my priority in the Navy is to support and defend the constitution and democracy (I have everything in the Recruit’s book memorized because Im serious about making a name for myself in the Navy). Also, if I transfer to the Air Force after my 5 year contract ends will I go back to the first rating? Thanks in advance.

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1) Meeting and planning with existing clients?

2) Cold calling or networking for new clients?

3) Executing trades online?

4) Planning investing strategies for specific clients?

5) Filling out tax forms and other dull paperwork?

6) Catching up on the latest revisions to tax rules, etc.?

Please let me know what you spend the MOST time doing. I’m considering becoming a CFP, but I’m not a very procedure-oriented person. I enjoy exploring strategies for clients, and meeting with clients, but I’m not much of a "fill out papers all day" kind of guys.

Thanks in advance for your help!

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I live in California in the city of San Francisco. I know I will use the date of Mom’s death. Also the house is selling for ,000,000.00 am I going to get anything after taxes. After the sale we will be buying a new home with cash from the sale. The home is paid in full.
Thanks in advance, Catherine

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I know there are fees with getting into the funds I’m in for my Roth Ira (with Edward jones) so I assumed my initial investment would be less than I actually put in at the beginning but I didn’t expect it to be this much. On a scale of 1-10 to asses my risk I would say I’m about a 4 right now. Is A 7 drop in the initial investment normal?
I’m new to investing so Thanks in advance for any insight.

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Ok. 25 yrs old male here with 00 dollars extra that do not want to touch but instead invest it on something that is going to produce on the long run by itself, hopefully on my retirement or just have a lot of interest in it a decade down the road. Any ideas on what would be the best way to invest it instead of burning it hanging out and buying clothes? Thanks in advance for your opinion.

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What would be the best website to keep track of foreign stocks profiles? I am particularly keeping an eye on the Nikkei and Hang Seng. I want to look at their these Japanese stocks individually? What would be a good site in order to do this?

I usually use MSN Money to keep track of the individual stocks that I own that are on the Dow Jones. Although I cannot find a site that allows me to take a look at these Japanese stocks in detail.

Thanks in Advance!

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I have my 2005 W-2s and need to file for 2005 (you know, the one everyone filed LAST April…). I’m getting a refund so it’s still okay for me to file… I just don’t know how! I tried to e-file but I guess I can only do it for 2006. Is there a way I can file my 2005 tax return online? Or do I have to print out a form? If I have to print it out, can someone post the link to the form? Thanks in advance!

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In 2007, my mother refinanced the house & she included me to the mortgage as a co-borrower. I also signed a paper that included me in the deed of the house. A few days ago, I talked to her about getting my own place bcoz mom & wife don’t get along with each other. She brought up that she is going to have a reverse mortgage after we move out so that I will not going to pay for 2mortgage (old & new house). It’s not that I’m against her, nor I’m interested in the property or the money. My only concern is the "will be effect" on my name since I’m on the loan & deed as well. If possible, I don’t want to have any problem later on especially now that I’m having my own family. I’m not familiar with this mortgage. Sometimes, it’s easy to say things that you do this & that without realizing the effect afterwards. My questions are:

1) I’m thinking of taking out my name to the loan & the deed as well, before mom do the reverse mortgage. But, I can’t refinance bcoz the house don’t have equity, & even I refinance or loan modification, without my name included, mom cannot qualify bcoz she is not financially stable. The house mortgage is 0,000; present loan amount of 2,000; & the house value is probably between 0,000-0,000. What will I do, & how will I do it?

2) Can she do the reverse mortgage even my name is still on the mortgage & deed? With no house equity, how can she have reverse mortgage then?

3) What would you suggest as the best thing to do?

Thanks in advance.

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Looking to do a LPN to RN program once I finish the LPN program? I have to work so many hours in these type of facilitys. Could you give me some specific examples of these type of places, and also define them. Thanks in advance.

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thanks in advance.

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Hi! I want to move e-mails from the send file to inbox and after back to send file. I do this in order to have them as archive in my outlook account.
How can i do it different?

Thanks in advance,
Michalis

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Here is my situation. My father in law has given us a couple of acres of land. He’s even given us a house to live in, next to our lot to save money and while our house is being built.
We’ve lived in our current house for a year and three months. That leaves nine months left until we are exempt from capitol gains taxes. However, does it makes sense to make nine months of mortgage payments (about 0/mo) to save what we’d be taxed on??
We figure we have at least K of equity in our home right now. And we could live in our father in laws house for utilities only.
On the same note, we’d like to sell our house by owner – to save the usual 6-7% realtors charge.

Any ideas?? Thanks in advance for your thoughts.
I guess I should also mention that we wouldn’t start building our house for several months so the profits from selling wouldn’t be rolled into another loan – at least not right away.

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