Can i return a product to best buy after 90 days?
I've actually had it for more like 120 days. It is a camera backpack that I clearly overpaid for ($130.00) after noticing much cheaper prices online. Do you think I could walk in without the receipt and at least get store credit or something similar? Thanks for any help with this.
What happens during a home foreclosure?
The home foreclosure process is fairly straightforward. It starts with a legal notice as per the terms of the mortage loan agreement notifying the borrower that an event of default has ocurred, and giving the borrower "X" days to cure the alleged default. If the borrower does not cure the default within the time specified in the notice, the lender can then declare a default and proceed with the legal process of foreclosure. How long it takes depends on many factors, including the state where the property is located and whether the borrower is affirmatively defending the default allegation, as well as many extraneous circumstances and outside factors, such as local market conditions. Foreclosure can take anywhere from a few months to a few years or longer. Some borrowers have been able to fend-off foreclosure indefinitely in an uncertain housing market. There are only two potential outcomes to a foreclosure action: either the lender will successfully foreclose on the property or it will not. If the lender is successful the court will set a date of possession and from that day forward the property will belong to the lender or its agent and any persons remaining on the property will be subject to eviction. Legal actions taken will involve both the mortgage note and the mortgage lien, which together make up a mortgage loan agreement. It's important to understand that the foreclosure process is executed upon the mortgage lien, not the mortgage note. Even after foreclosure on the lien, the note (the promise to pay) remains. The remedies available to collect on a defaulted mortgage note are generally the same as any other commercial debt, except the amount of the note must be reduced by any proceeds of a sale of the foreclosed property, which will take time to complete.
Do retailers need to pay wholesaler at first place or do they sell the products and then pay the wholesaler say after, a month?
A correct answer would depend on the supplier(s) that you are dealing with.There are a number of ways to secure inventory, and one that you have alluded to in your question is receiving consignment stock.Some suppliers may be willing to place an amount of stock with you without payment. Then payment is made for the stock after it is sold. Not may suppliers will do this without a pre existing relationship. Usually suppliers will ask for payment up front, or with appropriate credit checks (and/or trading history) they may offer payment on account (varies, but usually 15- 30 days).Drop shipping is a term usually used by online retailers. Drop Shipping is paying for an item, to be shipped directly by the supplier to the customer, after the item has been sold by you to the customer.Drop shipping can be difficult to get right, for a number of reasons:As a retailer of products held in another location by a 3rd party, you need to have very accurate information on stock availability. Many suppliers aren't great at keeping their own stock levels accurate, least of all providing that data regularly to a you (the retailer).Dealing with multiple suppliers often requires investment in technology and processes. This 'technology debt' offsets some of the benefit in not having to invest capital in holding stock.If you do happen to find a good drop shipper with inventory data files and great service, odds are others have too, so you will be competing with a number of other sellers.Drop shippers won't offer the lowest prices, as they have to pay for their own systems, picking and packing. Many will charge a drop ship fee (per item or order) on top of a shipping cost, which lowers your margin.In summary, if you are looking to grow a business by drop shipping, or buying as little stock as possible, then you will have to be efficient, good with technology and develop strong supplier relationships.Strong supplier relationships take time. Start small. Prove yourself to your suppliers. And hopefully they will work with you to help you grow your business.When dealing with new suppliers, we offer to pay cash up front for initial orders but we let them know that as we grow we will look for credit terms. We then show them we can sell their product and pay quickly. And we also also use some variations of the drop shipping model to offer a greater range of product which has helped us grow quickly.
I'm losing my job tomorrow, with two kids, a car and a house. What is my best thing to do?
Tell everyone you know you’re looking for a job. Network on LinkedIn and other social media.File for unemploymentPrioritize your bills - must have (electric), want to have (cable), can be late (credit cards), can ignore/deferred (paying back your brother/student loan). Know when you’re going to run out of money.[Edit] Thanks to everyone who pointed out to call your creditors. They’ll work out slow to delayed payment schedules.Plan for bankruptcy. There’s never a better time.Look into tapping your 401k after being laid off. Yes, it’s a bad idea… but better than homeless.Spend 50 hours a week looking for jobs in your field. Do this locally for a week, then spread out nationally if possible. Look for remote positions if you cannot move. Customize EVERY resume using key words from the job description. Have 40 bullet points and skills/results for your resume - use 25 on any given resume.Looking for a job is NOW your full-time job.After a national search in your field, go outside your field.After savings and unemployment are gone, take ANY job. File for federal assistance.Spend 15 hours a week looking out for yourself. Get to the gym. Start running. Make lunch plans with colleagues and friends. Immerse yourself in a hobby you used to love (after the job search hours are done).Go to parks with the kids. Take your wife out on a date to just watch the stars.Don’t panic or get stressed out. You’ve been without money before. You’ll be fine in a few months.[Edit: I was laid off seven months ago. This is how I prioritized.Your situation may be different. Your retirement may be a higher prioritization. Your credit score may be a bigger deal to you. You may not be able to move to a different part of the country.For me, it worked fine. I had a job offer 7 weeks later. I moved for the new job 10 weeks later about 500 miles north. Grabbing some dollars out of my 401k, that became available after rolling over to a traditional IRA, kept me above water. I probably put my retirement target age back about 6 or 10 months. If I was 58-years-old, it would have bothered me - a lot. But for now, it cost me a 10% IRS penalty and I lost future earnings on what I took out.Thanks for reading]
How can I dispute a credit card charge or make a chargeback after 3 months have passed?
Start by working with the merchant directly for a refund, even if it's outside the standard timeframe for a chargeback. Chargebacks take a lot of time to resolve and most merchants (I hope!) prefer to issue a refund rather than manage the chargeback process. If the merchant isn't responsive, then it's time to contact your bank.The timeframe in which a chargeback is allowed will vary by the card type and card issuing bank. Check the time period indicated on your credit card statement, but the general breakdown is as follows: VISA and MasterCard, 120 calendar days of the original monthly statement; American Express, 90 days (although they tend to be the most flexible); and Discover, 180 days. After that time period you will not be able to dispute charges with the chargeback process.Outside the chargeback window you can make "claims and defenses" report with your card issuing bank. You have one year from the date of the original statement to file this report, but there are four additional requirements: The amount in dispute must be over $50You cannot dispute the charge if you have already paid your credit card balance in fullYou cannot dispute the charge if the merchant is more than 100 miles way from your home, or located outside the state in which you resideYou must make a good faith effort to contact the merchant first for resolution
What can I do about my credit card debt?
Reduce your other expenses. You can call the creditors and see if they will negotiate special repayment terms for you.
University of Phoenix or American Public University?
I disagree strongly with Cochise's answer. It smacks of great arrogance and lack of understanding. For profit universities are NOT by definition worthless. You need to find a degree that is affordable and meets your needs. It is possible to slack off in a non-profit college or university too..in fact many people are just insecure that they paid so much and went out of state for their traditional degrees..from state colleges..remember paying out of state fees at a state university is as high as University of Phoenix. Associates degrees are always a risk in transfer, no matter where you take them. It is possible that some of your credit will be rejected, even if you do the associates degree at a community college and transfer to a big state college in the SAME state. If you want to take online classes all in one program, then American Public University is cheaper than even than not for profit online colleges like Excelsior College,Charter Oak State College. The cost of textbooks being included is very helpful, in my opinion. You can also look at state colleges like Fort Hays State University- Virtual College and Arizona State University online. They generally accept 90% of applicants and offer completely online degrees. But, avoid the hassle of transferring an associates degree (it is always hard to transfer an associates degree, though easiest in the same state system. Even if you did an associates degree in one state, and a bachelors in another, transfer is hard). Do a Bachelors straight off, there are many affordable options these days that the investment is worth it. You can do credit by examination and transfer that to most places, including American Public University, Charter Oak State, Excelsior, Fort Hays State University..consider saving some money.
What do you think about Hyundai? Good cars?
Lease on my Mercedes ML320 is up so I gotta get a new family car but I def wont get another Merc P.O.S and now with the credit crisis want something more affordable and a good value. I keep my cars 5to7 years. Need something 4 wheel drive and with luxury. A colleague of mine is a Hyundai salesman part-time and says to look at the Veracruse so I'm gonna go Thursday but before then what do you know about this because I've also heard a lot of bad things about Hyundai from people who have owned them and told me to watch out. what do you think?