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kashaf said:   I am in financial crisis and one of my friend mentioned that I can take money out of my 401 as loan which I have to pay back and all the interest which I would pay will go back to my 401.I don't understand ,Can somebody please help me in this regardMaybe if you told us what kind of financial crisis you are in that you think a 401k loan would help resolve, we could help you more.

A 401k loan is a terrible idea and could make your "crisis" even worse.

And since you already started a separate thread, just keep all your posts there. But it's not going to be a flame-free zone.

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yup FP of 2010

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If I'm in that situation, I'll agree with Scripta...... Don't take such a risk

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what debit cards earn points for loading money onto serve? I want to earn rewards for loading money onto serve with a debit card

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messi85 said:   what debit cards earn points for loading money onto serve? I want to earn rewards for loading money onto serve with a debit card
  First you have to find a debit card that earns points for ordinary spending. I believe that's getting hard to do. I had the SunTrust Skymiles debit card for awhile, but I hear that is no longer available. I'm with you, I'd like to find one to use with Serve.

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Paypal debit card does earn reward but only if you use it as a credit card. The $ is deducted from PP account.

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Hi, everybody! So, actually my inability to plan my outgoings caused me to some kind of dead lock. I've just found a new job after a quite long-term unemployment and have no money to pay a rent, so my landlord threatened to evict me. I saw today the blurb today which advertised a short term loans with internet lenders, it's called http://usonlineloans.com/. Did anybody has a deal with such kind of service? What do you think about it?

I'd be tankful for any advice

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I'm going to assume you are not someone who spam for this outfit. The best you can hope for is some insane interest rate, worst you will have your credit info stolen by some outfit in the former USSR.

Negotiate with your landlord for more time, eviction takes time and money. Stay away from all payday loan. If you have decent credit, using a credit card would still be better than taking out payday loan.

http://www.bbb.org/us/article/bbb-warns-against-deceitful-online...

http://www.usa.gov/topics/consumer/scams-fraud/money/loan-scams....

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helenjones said:   Hi, everybody! So, actually my inability to plan my outgoings caused me to some kind of dead lock. I've just found a new job after a quite long-term unemployment and have no money to pay a rent, so my landlord threatened to evict me. I saw today the blurb today which advertised a short term loans with internet lenders, it's called http://usonlineloans.com/. Did anybody has a deal with such kind of service? What do you think about it?

I'd be tankful for any advice

  That website has very little information, but I did find this about fees:

We offer fees on a competitive level and according to all applicable federal and state laws.
Fees can range from 25$ to 30$ per every $100 you borrow, so for example
if you take a loan for $400, then fees will be around 100-120$

This rate is above what is allowed in Washington State.
From the Washington State Department of Financial Institutions :

Maximum Loan Amounts & Terms In Washington
Maximum Loan Term: 45 days
Maximum Loan Amount: $700 or 30% of your gross monthly income, whichever is less
Maximum Fee: 15% on the first $500 and 10% above $500

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tajar96 said:   Hi! Does it make sense to pay the estimated taxes via credit card per quarter and then potentially get a refund when you file for taxes next year ? I have the 5% AARP so wondering how best to maximize the CB. I have never paid my federal taxes quarterly and no clue on how to even estimate them. Should I just take my annual salary, divide by 4 and then take out my tax bracket ? Do I need take into account the exemptions as well ? I assume I have to pay the whole amount for that quarter and cannot just pay x amount ( based on my available credit limit). Can you please help make this clear for me. I am sure the federal govt will not mind if I start paying my taxes quarterly. Thanks in advance.
  

I have a similar situation.

Between various life changes, I expect to owe ~$10k in tax on the year 2014 (at least as of right now based on current withholdings). I'm in safe harbor for this year since I'll have withheld more than 2013 line 61 on the 1040, so I don't need to worry about timing differences.

So, quick question:

I have a fair number of $500 vanilla visas I can liquidate, plus more I can acquire with BCP after December,  plus a planned app o rama. Can I pay most of that 10k via estimated tax by Q4 2014? Is there anything on choicepay or the other tax paying sites preventing you from making lots of ~$497 in Q4 2014? As far as I can tell, simply filing the return owing $10k isn't the best idea since I'm not sure you can split it into a dozen credit cards at that point.

 

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I applied for chase southwest plus card (69$ annual fee) over the phone last night. They said I will know the decision in a week. I got an invitation for premier card (99$ annual fee); both with 50K bonus miles. I would like to apply for the premier card online. I applied for plus card last night. How long do I wait before trying the premier card online. What should I tell them if they ask why I need two cards?

Why I need two cards?
I am trying to get companion pass.

sorry for posting in two threads simultaneously. Trying to know sooner than later.

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My local credit union offers a really nice quarterly member reward program but one of the requirements is that you must have at least 1 direct deposit to your account every 6 months. The problem is that I am no longer employed by a company that offers direct deposit so I am no longer receiving the quarterly dividend. Are there any companies that exist that will make a direct deposit to your bank account for a fee? I didn't have any luck finding anything like this by searching the web.

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QwertyOc said:   My local credit union offers a really nice quarterly member reward program but one of the requirements is that you must have at least 1 direct deposit to your account every 6 months. The problem is that I am no longer employed by a company that offers direct deposit so I am no longer receiving the quarterly dividend. Are there any companies that exist that will make a direct deposit to your bank account for a fee? I didn't have any luck finding anything like this by searching the web.
  Usually any ACH will work to fulfill direct deposit requirements.

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