I just want to apply with my name, not his. Is this allowed???? Please let me know, thank you.

His name does not need to be on the home loan application. However, when you purchase the home, most states require the deed to be in the name of both husband and wife.

Here in Texas, I am the only one who is responsible for the mortgage loan, but the deed is in the name of me and my wife. That's the law for married persons in Texas, and most other states as well.

Yeah you can if your credit score is high enough and you have enough income to pay for it, but it sounds like you are planning on leaving him. You may want to discuss this with him, if that's not the case, to make sure he doesn't think the same thing.

If on your own you have good enough credit, enough income, a good enough debt to income ratio, and 20% for a down payment plus money for closing costs, you can buy a house without him being on it.

No but you have to prove that you can pay it back yourself,

they will go into your earnings and if they don,t think you can

you will have to put your husbands name on it.

As long as your credit and employment history will allow you to get the loan on your own, there is no reason why you couldn't apply on your own.

You can certainly apply by yourself, but only your income will count. That may make it hard to qualify for the loan.

If you need a co-signer ask someone you trust, and they trust you. No, your husband does not need to be on the loan.

you can do it on your own if your credit allows it

i just started working in a leather store today. Not too many people go in since it's still hot and it's a leather store but when people do go in, the boss/manager wants us to be after them and asking if they need help and to be on top of them 24/7 and i've noticed it just gets customers scared and leave! how should i approach people ?? What can i do to improve my sales skills ??

i know i have to be friendly and everything:) but what else ???

Try to start a friendly conversation with them, starting with a

''hello, how's your day been?

''Is there anything I could help you with?''

Being a sales assistant you have to observe and understand what they want, and always let your customers happy when they walked out so they will remember that they have a great customer service.

Another way is letting them know that you have a promotions going or sales etc.

Good selling technique takes years to master and some times what may work for one stream may not work for others.

First learn to read your customers. Browsers flick through items buyers take items off the rack and shelf. Shoppers on a budget check tags first people with money to burn will scan the room and target the item they want.

Never approach a customer the moment they walk in. Greet them from a distance simply say good morning or good after noon. This tells them that you are there for them. Don’t follow them around, give it a few minutes then ask. “Is there any thing in particular you were after? Keep questions open ended as possible. “Is it a gift?”

Find out why they are there and what they have in mind? Then say “May I suggest? And show them something. Don’t push. Ask them to try it on and talk about the item as they put it on.

Selling leather goods in summer would be like selling ice to Eskimos. You have to show them that they need that item. In a sales seminar we were told that melting ice is drinking water. Get it? Tap water is free yet bottled drinking water is a billion dollar industry in Australia.

You need to create a reason for the customer to buy leather in summer brainstorm ideas with your boss. Ask friends and family. It can be done.

Smile.

Since JP Morgan is buying-out Washington Mutual, how will this affect my Checking/Saving accounts?

Several years ago the bank I was with was bought by another bank. Other than having to order new checks and changing my auto-pay accounts, not much changed. They sent me a new ATM/Debit card and everything else was transparent. Your money is insured by the FDIC, up to $100,000 so unless you have huge amounts in that one bank, just ride it out. It's easier to let them handle the paperwork than for you to take out your money and do the transfer yourself. Besides, if you've got checks that haven't been cashed yet, you'll have to wait to close your account anyway.

It won't. While we don't know all the specifices, most likely all that will happen is you will have to order checks that say Chase on them when you run out of your WAMU checks. They may change the fee structure or account rules but you will be notified. Just look on Chase's website and see what their checking/savings accounts are like. I imagine it will be very similar.

I wouldnt sweat it unless you have in excess of 100,000 sitting in WAMU or any bank for that matter. You should never have more tha 100,000 in any one bank because it exceeds the FDIC insurance. While

Not much. The accounts will get converted to whatever JP offers, but nothing should be affected of any real consequence.

At this point, it may be a good idea, and while you are add it invest in the Euro dollar too. Our economy is going to hell in a hand basket!

You will see no change what so ever. The only difference is that your money is now in a very stable bank with strong assets.

I am trying to find out how to find written proof of laws in the state of massachusetts concerning the tenants rights to immediate return of a security deposit. I know what the laws state from looking at mass.gov but i want to be able to state specifically something like "in accordance with massachusetts state law, fill in the blank chapter paragraph whatever law, i am requesting the immediate return of my security deposit in the amount of…." can someone please help me?

Assuming the statute exists, you should be able to find the it at the link below. It links you to the landlord/tenant section of an official site on Mass. statutes.

I never heard of "immediate return". If you find this info, let me know. Usually, the lessor of the property has up to 30 days to return the security deposit, depending on the state.

Go to your State Capitol, and visit the Bill Room. They have copies of every bill and law ever written for your state. I used to work at our state capitol, so I know this is a fact,

The site below is pretty thorough - it should cover it, and it gives citations for the different subjects it addresses.

Go to the public library and look in the resource area for tenant / land lord law.

The landlord has 30 days in which to return the deposit and/or a list of deductions. That is the law in MA.

You will not find any law that requires the immediate return of the deposit, unless the 30 days have passed.

Damage Deduction from Security Deposits: The landlord must return the security deposit within 30 days after the termination of tenancy.

However, the landlord can deduct only for the following:

* any unpaid rent which has not been withheld validly or deducted under the law;

* any unpaid increase in real estate taxes which the tenant was

obligated to pay under a valid tax escalator clause;

* a reasonable amount necessary to repair any damage caused by the

tenant, any person under his/her control or any person on the premises

with his/her consent. Pet damage can also be deducted. The tenant does not have to pay for reasonable wear and tear associated with normal use.

However, the tenant is responsible for maintaining the apartment in a

clean and sanitary condition —free of garbage and rubbish.

If the premises are damaged, the landlord must provide the following

within 30 days after the tenancy ends:

* a detailed list of damages listing their nature and extent, and the

repairs required to remedy them. This list must be sworn to by the

landlord or his agent under the pains and penalties of perjury;

* written evidence such as estimates, bills, invoices or receipts,

indicating the actual or estimated cost of these repairs.

The landlord cannot deduct for repairs for any damage listed in the

Statement of Condition or acknowledged amendments, unless the landlord can prove that s/he repaired the original damage after notification, and that new damage was caused by the tenant. The landlord must return the balance of the security deposit (if any), after all proper deductions have been made.

My credit limit is $1,100 and I'm at $1,087 right now but after the month ends I have a 17.99% interest I have to pay which will add $16….

So then my balance will be $1,103 but because of the periodic interest being added, not me buying over the limit. Am I over the limit here or what?

Yes, you are over the limit. I would make a quick small payment online if you have the cash before the month closes. You may also call the company and explain that you are only over because of the interest and see if they will give you the courtesy of taking off the fee if they end up charging you one.

Yes, you will be over the limit, which means all future charges will not be honored. What should you do? Apply for a card with 0 APR for the first year, transfer the money to that card, and pay it off within that year without paying interest. More importantly, though, do not keep charging on the first card afterward. Cut it up or you will get yourself into a debt frenzy.

Not only are you over the limit, your interest rate will increase if you stay over the limit since this is most certainly a violation of any agreement you have with them.

So watch your interest rate jump from 17.99 to 24.99 by the end of next month.

yes and they will charge you an extra fee for being over too!!!

So WaMu stock (WU) dropped as low as $0.37 cents in after hours trading today. At market close it was at $1.69. Apparently JP Morgan is going to acquire some of WaMu's debt for 1.9 billion.

Is now a good time to buy WaMu? It's not going to be de-listed, and how much lower can it realistically go?

Realistically it can go to zero (and probably will). The FDIC took over Washington Mutual and JP Morgan bought the assets from the FDIC. There is no more washington mutual.

Who says it won't be delisted?? Stocks under a buck don't trade on the NYSE very long (if at all). It may trade on the pinks for awhile

avoid WM. It's a dog with fleas. Report Abuse

read my post here for more on WM.

http://answers.yahoo.com/quest… Report Abuse

I bought it at 1.76. Lost a lot, but I'm guessing that It will also rise to at least the price that I paid for it. Is it worth it? $0.45 is a pretty good deal I think. If I had more "up to date" information I would have bought it at the $0.45 price.

As the previous person said, if you're willing to take the risk. Go for it. Bet you better put some stop orders on that buy.

Freddie Mac hit a quarter last Wednesday and hit a high of $2.95 today, that is almost a 1200% gain in 8 days.

WaMu might go under 20 but I am no Buffet.

If you are risky go ahead, but I'd advise to stay away from financial's right now. The only one up today was Fannie Mae.

Mr T, stick with what you know. GOLD!

I PITY THE FOOL WHO AIN'T GOT NO GOLD!

I wouldn't buy it for a penny.

You better read what JP Morgan really bought.

Contractors overbuilding, home loan agents in with appraisers with inflated figures working together. Home loans written for 125% of the already inflated values of the property. Lending groups selling loans they knew couldn't be paid. Application fees being pocketed by loan officers. Debts being sold with false estimated values. Groups of bad debts being sold hiding in piles of other debts.

The blame gets spread to so many greedy people.

How do you track them all down?

Mortgage companies. They made loans to people they KNEW couldn't afford to meet the payments. They didn't care because they were selling these loans to investors on Wall Street.

The investors didn't realize the loans were on such shaky ground, and they bought the loans because the interest payments on the loans are profit to the investors.

So now that all these EASY loans have been made and sold off to unsuspecting investors, the people are who weren't qualified to get the big loans in the first place are starting to default. They're declaring bankruptcy, or have just stopped paying their house payments waiting to be evicted.

This went on to such an extent over the past 10 or so years that the whole investment industry is about to collapse.

That's a very simplified version, but basically that's what has happened.

Greedy mortgage brokers and greedy individuals who wanted those great big expensive houses they couldn't afford.

But the absolute worst offender is the Bush administration who sat with blinders on ignoring all the economic problems till it reached meltdown.

Would that mean that we should close our accounts? Or does it mean our deposits would be given back to us according to FDIC? How do you get your money back under FDIC anyways?

It means you (and I) are now customers of JP Morgan Chase. The FDIC took Wamu over briefly and then sold it to JP with all deposits (insured and uninsured) intact at auction. The FDIC will not have to give back your deposit because the deposits are now owned by JP. In other words, no FDIC money will be used because JP is simply merging Wamu into it.

It will take some time before you will even see signs that JP Morgan Chase owns Wamu. If you want to take your money back, just go to a Wamu branch and make the withdrawal.

Your money is still there and you can do whatever you want with it just like before.

All it means is your account will be with JP Morgan and they'll change the signs on the buildings. Employees will have to start wearing real bank worker clothes instead of their delivery boy outfits.

Business as usual.

No, your funds will still be in the bank.

Just under a different name.

hello im confused. who issues taxes? and does everyone in the country pay taxes? im just wondering

If you earn no money, and buy nothing, then you pay no taxes. (at least in this country)

But for most people - you pay sales tax when you buy things, income tax on money earned, real estate tax if you own a home…there are different kinds of taxes. They vary by state, and even by country.

Any one who has a source of Income and the income is above the slab as per the IT Rules and Regulation.

In context to particular Year has to pay Tax on his income. If you can specify your exact confusion, One will definitely guide you in proper direction

If you earn more than the personal allowance you are liable, at least to pay tax. If you are paid in cash then you may be avoiding tax (illegal). If you are non-domiciled you may not be paying tax.

Doesn't look like you do.

Get out of bed!Get a job! Make money!

Unfortunately not cheap. I believe they are now renting for around $700 to $1200 hundred, depending on where and how nice/safe an area you want to be in. Good luck.

Use our calculator we have a database of apartments all over the u.s and when you submit your zip code you will get the median rent in the area. Best of all it's free! Check it out.

http://www.txtapt.com/mortgage_center.php