Pfinance
Focus On Personal Finance

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Capital One for personal finances?
I've been looking into banks to switch to, and I was just wondering what the difference between Capital One and Bank of America which I currently use ? Is it just that BoA has more branches all over the place? Or is BoA better with individuals? I know nothing about banks and finances. I basically only want and currently have one bank account for checking savings and withdrawals and stuff is Capital One good for that? Can it be my everything bank?I'm mostly interested in Capital One now because they don't seem to charge fees on international currency conversion withdrawals at ATM's and I travel a lot. Do they still absorb the 1 % fee that Visa Mastercard levies for international withdrawals?

Is there a course I can take on personal finance and investing?
that's free or cheap but still good?

Has any one taken the foundations of personal finance exam through university of phoenix?
Wanting to know what to expect, I studied for days for the midterm and then it was basically nothing but there's alot more information to cover now.

Should I discuss my personal finances of Facebook since I know a lot of people on there?
or would that be a bad idea?

Do churches tell you about personal finance?
In their regular sunday worship?To they tell you things like save for your future, and stop buying things you don't need?

Math. personal finance questions.?
Delphine Salmer's credit card statement for august showed a previous balance of $658.18, the new purchases and fees of $583.10 posted on august 10, and payments and credits of $218.40 posted on august 22. her charge card company's monthly APR is 1.5 % and the company uses the previous balance method to figure the finace charge.what is Delphine's finance charge for august and her new balance?what would be the finance charge and new balance if the company used the adjusted balance method of computing finance charges?

Can someone please help me with these personal finance questions ASAP?
idk what i keep doing wrong but every answer i type in it says its wrong, inless im just typing it in wrong cuz i know im not this stupid... anyways someone please answer these last three questions i have, my paper is due in 10 mins 1. When traveling by car, you often pass through different time zones. As you travel to the east, increase time by 1 hour for every time zone passed through. As you travel west, decrease time by 1 hour for each zone. Traveling within the same time zone does not change time at all.Oklahoma City is in the Central time zone. New York City is in the Eastern time zone. What will be the time in New York City if the time is 6 00 A.M. in Oklahoma City?2. When traveling by car, you often pass through different time zones. As you travel to the east, increase time by 1 hour for every time zone passed through. As you travel west, decrease time by 1 hour for each zone. Traveling within the same time zone does not change time at all.Kansas City is in the Central Time Zone, and Los Angeles is in the Pacific Time Zone. If the time is 3 00 P.M. in Kansas City, what is the time in Los Angeles?3. When traveling by car, you often pass through different time zones. As you travel to the east, increase time by 1 hour for every time zone passed through. As you travel west, decrease time by 1 hour for each zone. Traveling within the same time zone does not change time at all.If the time is 11 00 A.M. in San Diego, California, what is the time in Tallahassee, Florida three time zones to the east ?um YES i know what personal finance is ass hole. this is straight out of my personal finace class. i didnt just pull this outta my ass thanks.

Do churches ever preach about personal finances?
In their sermons?If they do, what do they tell you?

Question about personal finance?
My wife and I have been gotten into debt. We have to pay here there, everywhere.We were discussing about this last night before bedtime and she came up with the idea of asking for a bigger loan and use the money to pay off our debts. She said that it would work because we wouldn't have to worry about the debts in various places, rather, we will only focus on this last loan. Is she right? she assured me that we could find a lower interest rate. I felt a little powerless because last thing I want to do is ask for another loan and be paying the bank for ever. Well, exagerating a little bit but we would be paying for a longer period of time.She got a job already

What major should i chose if i want to be a personal finance planner?
and does that job get a lot of money?? thanks

Is there a personal finance program that will...?
allow me to simply add my account info such as log ins and will keep me updated on balances transactions due dates? But also allow me to see how long it will take me to pay off a credit card loan, as well as allow me to add my own bill due dates as well? I'm interested in buying a program to run on Windows 7. thank you

Help!! personal finance questions?
1. What is defaulting? Select the best answer. Points 1 Failing to pay debts Opening too many credit accounts Getting a low credit score Building a credit history2. What is revolving credit? Select the best answer. Points 1 Credit when the borrower makes regular monthly payments Credit that requires payment in full on a specific date Credit that is paid all at once, in a single payment Credit that lets the borrower choose how much of the credit to use and when to pay it3. Which of the following is not part of the process of establishing credit? Select the best answer. Points 1 Opening a bank account Getting a credit card Taking out a loan Using a credit card regularly4. What is financing? Select the best answer. Points 1 Paying back debts Using credit to pay for purchases Reducing the principal of a loan Using a debit card to make purchases5. What is collateral? Select the best answer. Points 1 A finance charge A specific type of home loan An asset or group of assets that are linked to a loan A down payment6. Which of the following credit scores is a normal credit score? Select the best answer. Points 1 400 500 650 7757. Which of the following is not a part of your credit report? Select the best answer. Points 1 The number of inquiries banks have made about your credit The address of your current house or apartment The balance in your bank account The number of times you have filed for bankruptcy8. What might you do if you are unable to get a credit card? Select the best answer. Points 1 Make as many cash purchases as possible Apply for a department store card Stop accepting government assistance Pay less attention to your bank balance9. What is co signing? Select the best answer. Points 1 Requesting multiple credit histories Opening two lines of credit at the same time Sharing responsibility for a debt with another person Allowing someone else to be completely responsible for your debt10. What does a credit counselor do? Select the best answer. Points 1 Co signs a loan with you Helps you make a plan to resolve financial issues Convinces your creditors to reduce your debt Collects debts11. What is a means exam? Select the best answer. Points 1 A document stating you don t need to pay certain debts An application for a loan A survey about your income, expenses, and assets A plan for paying your creditors12. What is a down payment? Select the best answer. Points 1 The first payment a borrower makes on the principal of a loan A cash payment made by the borrower of a percentage of the total cost of the asset An interest rate charged on a credit card A fee paid to process a loan application13. Which of the following is a part of applying for a loan? Select the best answer. Points 1 Verifying your income Negotiating an interest rate Signing up for a credit card Completing a means exam14. A loan that is linked to an asset is called . Select the best answer. Points 1 An unsecured loan A secured loan A linked loan An asset loan15. Which of the following is a way to use credit responsibly? Select the best answer. Points 1 Opening several different credit accounts Paying only the minimum payment each month Understanding the account s interest rate Paying attention to the APR and not the APYdude roland what are you talking about??

Personal finance Magazine?
I am actually looking for personal finance advice, tips etc., Something like saving avenues, tax saving zones, fund selections, stock selections something comprehensive for the common man. Could anyone recommend any good magazines ?I asked for a magazine because it keeps giving continuous inputs, unlike searching on the internet

Personal finance questions about a joint savings with USAA?
My boyfriend and I are going to open a joint savings account so we can save up for our wedding next year but I have some personal finance questions. What is a good rule of thumb for figuring out how much money to put into the joint account each month? I am thinking each of us put 25 % of each monthly paycheck into the account.What are some good rules to keep regarding withdrawing money?

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