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＞＞＞________ you happen to see Mary, would you please ask her to..
________ you happen to see Mary, would you please ask her to come here?A．WouldB．CouldC．ShouldD．Might
题型：单选题难度：中档来源：不详
C试题分析：考查虚拟语气的倒装。本题是一个与将来的事实相反的虚拟语气，从句中可以有三种情况：过去式； should+动词原形；如果条件句中省略了if，要使用部分倒装的形式的形式。本题正是省略了if；句意：如果你碰巧遇见Mary，请告诉她来这里。故C正确。点评：条件句中的虚拟语气要注意，如果过去事实相反，条件句中使用过去完成时，主句使用“情态动词+have done”;如果主句与现在事实相反，条件句中使用过去时，be动词使用were,主句中使用“情态动词+动词原形”；如果与将来事实相反，条件句中有三种：过去时；should+动词原形，主句使用“情态动词+动词原形”；要特别注意如果省略了if，句子要使用部分倒装的形式，把助动词，be动词，情态动词提之主语前。
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据魔方格专家权威分析，试题“________ you happen to see Mary, would you please ask her to..”主要考查你对&&情态动词&&等考点的理解。关于这些考点的“档案”如下：
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因为篇幅有限，只列出部分考点，详细请访问。
情态动词的概念：
情态动词表示说话人对某一动作或状态的态度。几组词的辨析：
1、need和dare的用法：need和dare既可用作情态动词，也可用作实义动词。用作情态动词时，主要用于否定句和疑问句。用作实义动词时，可用于各种句式。 （1）用作情态动词：&如：—Need I come? 我需要来吗？&&&&&&&& —Yes, you must. 需要。 &&&&&&&& You needn′t telephone him now. 你现在不必打电话给他。&&&&&&&&&&I don′t think you need worry. 我想你不必发愁。&&&&&&&&&&She dare not go out alone at night. 她晚上不敢一个人出去。 &&&&&&&& How dare you say I′m unfair? 你竟敢说我不公平？ &&&&&&&& Not one of them dared mention this.他们谁也不敢提这件事。 （2）用作实义动词： 如：You don′t need to do it yourself. 你不必亲自做这件事。 &&&&&&& We need to tell them the news. 我们需要把这消息告诉他们。 &&&&&&& The table needs painting(to be painted.). 桌子需要油漆一下。 &&&&&&& We should dare to give our own opinion.我们要敢于提出自己的观点。 &&&&&&& He did not dare(to) look up. 他不敢抬头看。 &&&&&&& I dare day he′ll come again. 我想他会再来的。2、can和be able to：（1）情态动词can只有两种时态形式，现在式can和过去式could，而be able to有多种时态形式。 如：Mary can play the piano. She has been able to play it since she was 5. 玛丽会弹钢琴。她五岁起就会弹了。 （2）用在过去时中，could经常表示能够做某事，事实上不一定去做，而was∕were able to则表示“过去做成了某事”。在否定句中两者可通用。 如：He could swim across the English Channel. But he didn′t feel like it that day. &&&&&&& 他能游过英吉利海峡，但那天他不想游。 &&&&&&& Yesterday I was able to get home before the heavy rain. 昨天我在下大雨前赶到了家里。 3、must和have to：must表示主观意志，而have to表示由于客观因素不得不做某事。must没有过去式，除在间接引语中可用于表示过去时间，在直接引语中表示过去时间应该用had to代替。 如：I told her that she must give up smoking. 我叫她必须戒烟。 &&&&&&& We had to get everything ready that night. 我们那晚得把一切准备就绪。 4、would和used to：（1）usedto表示过去与现在或过去某时与后来的情况有不同，而would只表过去的情况。如：People used to think that the earth was flat. &过去人们认为地球是平的。（现在人们不这么认为。）&&&&&&& &She would go out for a walk in the morning when she was in the country. &&&&&&& 在乡下时，她总是在早晨去散会儿步。（可能现在仍有散步的习惯。） （2）used to可表示过去的习惯动作和经常的情况，而would只表示过去的习惯动作。 如：He used to∕would smoke while writing. 过去他写东西时常抽烟。 &&&&&&& She used to be fat. 她过去很胖。 情态动词的基本用法：1、can(could)： 1）表示能力，could主要指过去时间。 如：Two eyes can see more than one. 两只眼比一只眼看得清。 &&&&&&& Could the girl read before she went to school? 这女孩上学前能识字吗？ 2）表示可能（理论上或是逻辑判断上）。 如：The temperature can fall to–60℃, that is 60℃ below freezing. 气温可降至-60℃，也就是零下60℃。 &&&&&&& He can′t(couldn′t) have enough money for a new car. 他不可能有足够的钱买新车。&& &&&&&&& You mustn′t smoke while you′re walking around in the wood. You could start a fire.& &&&&&&& 在林子里走时勿吸烟，那样可能会引起火灾。 3）表示允许。 如：Can I have a look at your new pen? 我可以看一看你的新钢笔吗？ &&&&&&& He asked whether he could take the book out of the reading-room. 他问他可不可以把书带出阅览室。 4）表惊异、怀疑、不相信等态度。主要用于否定句、疑问句或感叹句中。 如：Where can(could) they have gone to? 他们会去哪儿了呢？ &&&&&&& He can′t(couldn′t) be over sixty. 他不可能超过六十岁。 &&&&&&& How can you be so careless? 你怎么这么粗心？ 5）比较委婉客气地提出问题或陈述看法。 如：Can(Could) you lend me a hand? 帮我一把好吗？ &&&&&&& I′m afraid we couldn′t give you an answer today. 恐怕我们今天不能给你答复。 2、may(might)： 1）表允许，might可以指过去时间，也可指现在时间，语气更委婉。 如：You may take what ever you like. 你喜欢什么就拿什么。 &&&&&&& He told me that I might smoke in the room. 他告诉我可以在房间里抽烟。 &&&&&&& May(Might) I ask for a photo of your baby? 我可以要一张你宝宝的照片吗？在回答以may引起的问句时，多避免用这个词，而用其它方式：如：Yes, please./Certainly. /Please don′t./You′d better not./No, you mustn′t.等，以免显得太严峻或不客气。 2）表可能（事实上）。可以指过去时间，也可以指现在时间，但语气更加不肯定。 如：He may be at home. 他可能在家。 &&&&&&& She may not know about it. 她可能不知道这件事。 &&&&&&& He was afraid they might not agree with him. 他担心他们可能不同意他的意见。& 如：They might be having a meeting, but I′m not sure. 他们有可能在开会，不过我不肯定。 3、must：1）表示义务。意为“必须”（主观意志）。 如：We must do everything step by step. 我们一切都必须循序渐进地做。 &&&&&&& You mustn′t talk to her like that. 你不可能那样对她说话。 &&&&&&&& —Must we hand in our exercise-books now? 我们现在就要交练习本吗？ &&&&&&&& —No, you needn′t./No, you don′t have to.不必。（这种情况下，一般不用mustn′t） 2）表示揣测。意为“想必、准是、一定”等，只用于肯定句。 如：He must be ill. He looks so pale. 他准是病了。他的脸色苍白。 如：She′s wearing a diamond necklace. She must have a lot o fmoney. 她戴着钻石项链，一定很有钱。 4、shall：1）表征询意见，用于第一、第三人称疑问句。 如：Shall I get you some tea? 我给你点茶好吗？ &&&&&&& Shall the boy wait outside? 让那男孩在外面等吗？ &&&&&&& What shall we do this evening? 我们今晚做什么？ 2）表说话人的意愿，有“命令、允诺、警告、决心”等意思，用于第二、第三人称陈述句。 如：You shall do as I say. 按我说的做。（命令） &&&&&&& You shall have my answer tomorrow. 你明天可以得到我的答复。（允诺） &&&&&&& He shall be sorry for it one day, I tell you.有一天他会后悔的，我告诉你。（警告） 如：Nothing shall stop us from carrying out the plan.什么也不能阻止我们执行这项计划。（决心） 5、will：1）表意愿，用于各种人称陈述句。 如：I will do anything for you. 我愿为你做任何事。 &&&&&&& None is so blind as those who won′t see. 不愿看的人眼最瞎。 &&&&&&& If you will read the book, I′ll lend it to you. 如果你愿意读这本书，我会把它借给你。 2）表请求，用于疑问句。 如：Will you close the window? It′s a bit cold. 请你把窗户关上好吗？有点冷。 &&&&&&& Won′t you drink some more coffee? 再来一点咖啡好吗？ 3）表示某种倾向或习惯性动作。 如：Fish will die out of water. 鱼离开水就不能活。&&&&&&& The door won′t open. 这门打不开。 &&&&&&& The boy will sit there hour after hour looking at the traffic go by.& &&&&&&& 那男孩常常坐在那里好几个钟点，看着车辆行人通过。 6、should：1）表义务。意为“应该”（某件事宜于做），用于各种人称。 如：You should be polite to your teachers. 你对老师应该有礼貌。 &&&&&&& You shouldn′t waste anytime. 你不应该浪费时间。 2）表推测，意为“想必一定、照说应该、估计”等。 如：The film should be very good as it is starring first-class actors. 这部新电影是一流演员主演的，估计拍得很好。&&&&&&& &&&&&&& They should be home by now. 照说他们现在应当已经到家了。 7、would：1）表意愿。 如：They would not let him in because he was poorly dressed. 他们不让他进去因为他衣着破旧。&&&&&&&&&I said I would do anything for you. 我说过我愿意为你做任何事。 2）表委婉地提出请求、建议或看法。 如：Would you like another glass of beer? 再来杯啤酒好吗？ &&&&&&& Would you mind cleaning the window? 请把窗户擦一下好吗？ &&&&&&& They wouldn′t have anything against it. 他们不会有什么反对意见。 3）表过去反复发生的动作或过去的一种倾向。 如：Every time she was in trouble, she would go to him for help. 她每遇到麻烦都会向她求助。8、ought to：1）表义务，意为“应该”（因责任、义务等该做），口气比should稍重。 如：You are his father. You ought to take care of him. 你是他父亲，应当管他。 &&&&&&& You oughtn′t to smoke so much. 你不应该抽这么多烟。 2）表推测，暗含很大的可能，语气较弱。 如：Han Mei ought to know his telephone number. 韩梅该知道他的电话号码。 &&&&&&& There′ it ought to be a fine day tomorrow. 今天有晚霞，明天应该是个好天。 9、used to：表示过去的习惯动作或状态，现在不复发生或存在。疑问式和否定式有两种。 如：He used to live in the countryside, but now he lives in the city. 他过去住在乡下，现在住在城里。 &&&&&&& There used to be a building at the street corner, but it has been pulled down. 街道拐角处过去有座楼房，现在拆了。 &&&&&&& I usedn′t (didn′t use) to smoke. 我过去不抽烟。 &&&&&&& Used you(Did you use) to go to school on foot? 你过去常步行去学校吗？情态动词的其他用法：首先它是动词，而且不同于行为动词，行为动词表示的是可以通过行为来表达的动作（如写，读，跑），而情态动词只是表达的一种想法（如能，也许，敢）。用法是：情态动词+行为动词原形：句：I can read this sentence in English. 我能用英语读这句话。情态动词是一种本身有一定的词义，表示说话人的情绪，态度或语气的动词，但不能单独作谓语，只能和其他动词原形构成谓语。 如：We can be there on time tomorrow. 我们明天能按时去那儿。 &&&&&&& May I have your name? 我能知道你的名字吗？ &&&&&&& Shall we begin now? 我们现在就开始吗？ &&&&&&& You must obey the school rules. 你必须遵守校规。情态动词知识体系：
&情态动词表推测的三种句式： 1、在肯定句中一般用must(一定)，may（可能），might/could（也许，或许）。如：He must/may/might know the answer to this question? 他一定/可能/也许知道这个问题的答案。&&&&&&&&&It is cold in the room. They must have turned off the heating. 屋里很冷，他们肯定把暖气关了。 2、否定句中用can't/couldn't (不可能), may not/might not(可能不)。如：It can't/couldn't be the headmaster. He has gone to America.& 这不可能是校长，他去美国了&&&&&&& He may not/might not know the scientist. 他也许不认识那位科学家。 3、疑问句中用can/could(能……?)。如：Could he have finished the task? 他可能把任务完成了吗？&&&&&&& Can he be at home now? 他现在能在家吗？注：以上三种句式中情态动词的语气按程度都是依次递减的。Might, could并非may, can的过去式，而表示语气较为委婉或可能性较小。情态动词表推测的三种时态：1、对将来情况的推测，用“情态动词+动词原形”。如：She must/may/might/could arrive before 5.& 5:00前她一定/可能/也许到。 &&&&&&& She must/may/might/could walk miles and miles among the hills without meeting anyone.&&&&&&& 她一定/可能/也许会在山里一连走好几英里而遇不到一个人。 2、对现在或一般情况的推测，用“情态动词+be”，“情态动词+bedoing”或“情态动词+动词原形”。如：He must/may/might/could be listening to the radio now. 他一定/可能/也许正在听收音机。&&&&&&& He can't(couldn't)/may(might) not be at home at this time. 这个时候他不可能/可能不在家。&&&&&&& Mr. Bush is on time for everything. How can(could) he be late for the opening ceremony? &&&&&&& 布什先生一向准时，这次开幕式他怎么可能迟到呢？ 3、对过去情况的推测，用“情态动词+have+过去分词”。如：It must/may/might/ could have rained last night. The ground is wet. 地湿了，昨晚肯定/可能/也许下雨了。&&&&&&& The door was locked. He can(could) not/may(might) not have been at home. 门锁着，他不可能/可能不在家。&&&&&&& &&&&&&& Can/Could he have gotten the book？难道他找到书了吗？注：情态动词should/ought to表推测时，意为“想必会，理应……”但与“have+过去分词”连用时，则又可构成虚拟语气意为“本应该做某事却没做”。如：It's seven o'clock. Jack should/ought to be here at any moment. &&&&&&& 现在七点钟了，杰克理应随时到达。（推测）&&&& &&&&&&& She should/ought to have attended your birthday party, but she had to look after her mother in hospital.（虚拟）&&&&&&& 她本该出席你的生日晚会的，可是她得在医院照顾她妈妈。& &&&&&&& Tom should not/ought not to have told me your secret, but he meant no harm.（虚拟）&&&&&&& 汤姆本不该告诉我你的秘密，可是他并无恶意。
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438992185587430476435099440442446632The previous thread by asdf9876 was getting rather large. You can view it
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The previous thread by asdf9876 was getting rather large.
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Post all types of questions in this thread. Ask anything you were afraid to ask elsewhere.
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Was planning on getting one, but was wondering what it's worth to pay out of pocket vs. filing a first time claim with t...
kjl1977 (Mar. 06, 2015 @ 2:08p)
You always pay your insurance bill on time. But what's the point of having insurance if you get penalized for using it?
qcumber98 (Mar. 07, 2015 @ 7:02p)
I think he's trying to figure out if the increase in premiums will be more than the cost of paying for it out of pocket....
BostonOne (Mar. 08, 2015 @ 6:31a)
Quick Summary is created and edited by users like you... Add FAQ's, Links and other Relevant Information by clicking the edit button in the lower right hand corner of this message.If you create a new thread for a credit card that requires a hard pull that provides less than $75 as a bonus, you'll probably not get a good reaction.Before creating a new post in the FatWallet Finance (FWF) forum, even in this topic (AKA "thread"), and especially before creating a new topic, please read the .  Thanks! 
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abbygayle65 said: 1. Is GROUP term life insurance the same as normal term life insurance or is it some sort of variation?2. Can term life can be bought through section 125 cafeteria (pre-tax) plans? American Fidelity is workplace's cafeteria provider and in their brochure they talk about a "portable term life insurance policy". I'm not sure if that means that you have to have life insurance provided by your employer in the first place. This got lost in the shuffle.
I don't have an answer but wanted to put it here for you.
pj737 said: OK, I am getting paid a big check today (12/31/07) for a project that took several months to complete. My question is simple but I am unsure of the answer.I am receiving the check tomorrow but I have the option to cash it on Wednesday (1/2/08).From a tax perspective, do I have the option to take the gains in either 2007 or 2008 depending on when I actually deposit the check. Or do I have to take the gains in the year the check was written? This got lost in the shuffle. I don't have an answer but wanted to put it here for you.
Suggestions:
1. Edit the title on the old thread to "2007" so it's clear what the differences are.
2. Put a brief tutorial re: using the "search this topic" function in the first post of both, encouraging noobs to search the threads for their topic before posting the same question for the 20th time.3. A note re: looking at the other stickied threads for commmon topics.&----
way sick of the repeated new threads for the same beginner questions/"I'm a financial trainwreck"
pj737 said: OK, I am getting paid a big check today (12/31/07) for a project that took several months to complete. My question is simple but I am unsure of the answer.I am receiving the check tomorrow but I have the option to cash it on Wednesday (1/2/08).From a tax perspective, do I have the option to take the gains in either 2007 or 2008 depending on when I actually deposit the check. Or do I have to take the gains in the year the check was written? You have to claim it as of the day your receive the check.
The date on the check and the day you cash it are irrelevant.
But realistically speaking, fudging the date by a day or two will never be questioned (and would be extremely difficult to prove either way).
I posted this a couple days ago in the other thread and didn't get a response, so sorry if you've already read this: I have a question related to my FICO score. For a couple years I have only had one credit card. Recently I used a 0% apr convenience check to put $14,500 in my checking account (which will go to a cd or mma or something). I then had to apply for a new card to use for my daily spending. So the timeline was, I applied for a new card sometime December 5-10, I activated the new card on December 15. I paid off the balance of my old card on December 20 (about $1700), deposited the convenience check on Saturday December 22, and the deposit posted to my checking account on the 24th. On December 23 I received an email from ScoreWatch which said my FICO score increased by 36 points with this explanation "Your FICO(R) score has gone up to 736 on December 23, 2007. Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:* You have not established a long revolving credit history."I was wondering if anyone had a guess as to what specific action caused the bump in my score. I've only been using a credit card for my daily spending for about 6 months or so, prior to that I had a low credit limit card for 4 or 5 years, but only used it once or twice. So I was thinking, based on the explanation, it was just that I have been using a credit card for a long enough time to trigger some change. However, it seems odd that this happened as I was applying for a new card and taking $14,500 out of my old card (though depositing the $14,500 probably couldn't have had anything to do with it, since the deposit didn't post until one day after I received the ScoreWatch update. Thanks for any help you can provide.
stanleyfatmax said: I posted this a couple days ago in the other thread and didn't get a response, so sorry if you've already read this: I have a question related to my FICO score. For a couple years I have only had one credit card. Recently I used a 0% apr convenience check to put $14,500 in my checking account (which will go to a cd or mma or something). I then had to apply for a new card to use for my daily spending. So the timeline was, I applied for a new card sometime December 5-10, I activated the new card on December 15. I paid off the balance of my old card on December 20 (about $1700), deposited the convenience check on Saturday December 22, and the deposit posted to my checking account on the 24th. On December 23 I received an email from ScoreWatch which said my FICO score increased by 36 points with this explanation "Your FICO(R) score has gone up to 736 on December 23, 2007. Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:* You have not established a long revolving credit history."I was wondering if anyone had a guess as to what specific action caused the bump in my score. I've only been using a credit card for my daily spending for about 6 months or so, prior to that I had a low credit limit card for 4 or 5 years, but only used it once or twice. So I was thinking, based on the explanation, it was just that I have been using a credit card for a long enough time to trigger some change. However, it seems odd that this happened as I was applying for a new card and taking $14,500 out of my old card (though depositing the $14,500 probably couldn't have had anything to do with it, since the deposit didn't post until one day after I received the ScoreWatch update. Thanks for any help you can provide.Your old account could have aged long enough, and the timing was a coincidence.
The new account could have reported, giving you a stronger 2 accounts on your history rather than just one.
The reported $1700 balance could have been updated as having been paid off.
There are too many variables to determine exactly why something happened, but it was most likely a combination of all of the above and then some.
Very niche question - for retail businesses, any rules of thumb on optimal starting cash drawer balance?
In other words, if I average $1,200 a day in cash sales (or any other relevant metric), I should have .25x in cash or $300.
This is going to sound so stupid...I can't find the credit line increase page for Bank of America (re the crack thread), or really any credit-related options besides Balance Transfer.
I have the rewards AMEX card.
To log in I use the same login as for my checking account.
Is there a separate login/site for credit cards with them?Thanks
Venturion said: Very niche question - for retail businesses, any rules of thumb on optimal starting cash drawer balance?
In other words, if I average $1,200 a day in cash sales (or any other relevant metric), I should have .25x in cash or $300.No rule per se, but it shouldnt have anything to do with sales.
Its 1) safety/security, keeping a minimal amount of money available while still being able to efficiently process any given transaction, and 2) the number of transactions and the amount of change needed to accomodate those transactions over a given period of time.
The optimal size of a drawer has nothing to do with how much you bring in, but how much you hand out (and how often you want to replenish it).
i'm new in the game.i wonder why would one want to deal with CDs while online savings bank is offering close to 5%?
FWC said: i'm new in the game.i wonder why would one want to deal with CDs while online savings bank is offering close to 5%?Savings account rates can change without notice, a CD's rate is locked for the term of the CD.
Its giving up immediate access to your money for a guarantee of what rate your money will be earning over that time period.And while the difference in rates may look minimal, when you are talking about a large amount of money a small difference can mean hundreds of dollars in additional interest each year.
ProblemHeres a simple question about credit card consolidation/reallocation/closing....guess my problem is poor english or rather financial
in understanding other threads.SituationI did an AOR 1yr ago...enjoyed the benefits and paid off all the cards by now.Say i have 2 banks who issued me credit cardsBank 1 - All cards were obtained at the same time during AORBank 2 - Had at least one card before AORQuestionDo i call Bank 1 and ask them to move all my credit lines to 1 card....should i 'ask them to close' the empty card or do they close it themselves.Which one is better for my credit score ?Bank 2 - From what i understand i should move all the credit from the NEW card to the OLD one...is that true and the closing question remains the same..Thanks and a Happy New Year 08
drpepper7 said: Do i call Bank 1 and ask them to move all my credit lines to 1 card Yes - this is called "reallocation" - you will want to leave a little bit on the old card to keep it open....should i 'ask them to close' the empty card or do they close it themselves.Which one is better for my credit score ? No, you do not want to close the old card.
Keep it open with a small credit lineBank 2 - From what i understand i should move all the credit from the NEW card to the OLD one...is that true and the closing question remains the same.Just depends on which card has the better offer.
Again, do not close the card once it has been opened.
Big thanks therivler1 Just a follow up question...there have been posts about keeping the cards alive by using it once a year or so...would you do the same with 'drained out' old card as well otherwise wont it have the same risk of being inactivated by the bank ? Thanks
drpepper7 said: there have been posts about keeping the cards alive by using it once a year or so...would you do the same with 'drained out' old card as well otherwise wont it have the same risk of being inactivated by the bank ? Absolutely.
The older a card is, the more important it is to your credit score - even if it only has a $500 credit limit.
naas said: This is going to sound so stupid...I can't find the credit line increase page for Bank of America (re the crack thread), or really any credit-related options besides Balance Transfer.
I have the rewards AMEX card.
To log in I use the same login as for my checking account.
Is there a separate login/site for credit cards with them?ThanksIf you've on-line banking, make sure your credit card accounts are linked to it.
This is the set up I have. After you've logged in to on-line banking, from Accounts Overview within the Accounts tab, you should see a list of all your accounts, including credit cards.Click on a specific credit card account.
On the left of the screen for the credit card, I see a "Balance Summary" section, with today's date.
Then I see information for: Current Balance, Available credit, and Temporary Authorization.
Just below Temporary Authorization is a link that says: Request a credit line increase.Hope this helps.
glxpass said: naas said: This is going to sound so stupid...I can't find the credit line increase page for Bank of America (re the crack thread), or really any credit-related options besides Balance Transfer.
I have the rewards AMEX card.
To log in I use the same login as for my checking account.
Is there a separate login/site for credit cards with them?ThanksIf you've on-line banking, make sure your credit card accounts are linked to it.
This is the set up I have. After you've logged in to on-line banking, from Accounts Overview within the Accounts tab, you should see a list of all your accounts, including credit cards.Click on a specific credit card account.
On the left of the screen for the credit card, I see a "Balance Summary" section, with today's date.
Then I see information for: Current Balance, Available credit, and Temporary Authorization.
Just below Temporary Authorization is a link that says: Request a credit line increase.Hope this helps.Thanks for helpingI didn't do anything to link my accounts, but my cc automatically was listed below my checking and savings on the same page.
When I click the cc account, on the left I see these: "Balance Sheet, Transfer, Interest, Free Bill Payer, Customer Service", no Balance Summary, and "Balance Sheet" just brings me back to a list of all accounts.This is a new account, and no purchases h is that the problem?
I didn't think they would change the whole layout based on activity...
naas said: glxpass said: naas said: This is going to sound so stupid...I can't find the credit line increase page for Bank of America (re the crack thread), or really any credit-related options besides Balance Transfer.
I have the rewards AMEX card.
To log in I use the same login as for my checking account.
Is there a separate login/site for credit cards with them?ThanksIf you've on-line banking, make sure your credit card accounts are linked to it.
This is the set up I have. After you've logged in to on-line banking, from Accounts Overview within the Accounts tab, you should see a list of all your accounts, including credit cards.Click on a specific credit card account.
On the left of the screen for the credit card, I see a "Balance Summary" section, with today's date.
Then I see information for: Current Balance, Available credit, and Temporary Authorization.
Just below Temporary Authorization is a link that says: Request a credit line increase.Hope this helps.Thanks for helpingI didn't do anything to link my accounts, but my cc automatically was listed below my checking and savings on the same page.
When I click the cc account, on the left I see these: "Balance Sheet, Transfer, Interest, Free Bill Payer, Customer Service", no Balance Summary, and "Balance Sheet" just brings me back to a list of all accounts.This is a new account, and no purchases h is that the problem?
I didn't think they would change the whole layout based on activity...I didn't realize it was a new account.
Quite possibly, that's the reason.
To be sure, you can contact online banking technical support and get a definitive answer.
Why are my FICO's so low? I have a large number of inquries but I thought they were capped at about 10% of your score. I have gone from the high 700's to mid 500's. No charge-offs, collections, or missed payments. I havealways paid in full every month, even 0%offers. Could it be that my oldest account is roughly six months?
TransUnion Experian
TOTAL ACCOUNTS: 8
OPEN ACCOUNTS: 6
CLOSED ACCOUNTS: 2
DELINQUENT: 0
DEROGATORY: 0
BALANCES: 2
PAYMENTS: 511
PUBLIC RECORDS: 0
INQUIRIES (2 years): 26
mewannaxbox said: Why are my FICO's so low? I have a large number of inquries but I thought they were capped at about 10% of your score. I have gone from the high 700's to mid 500's. No charge-offs, collections, or missed payments. I havealways paid in full every month, even 0%offers. Could it be that my oldest account is roughly six months?
TransUnion Experian
TOTAL ACCOUNTS: 8
OPEN ACCOUNTS: 6
CLOSED ACCOUNTS: 2
DELINQUENT: 0
DEROGATORY: 0
BALANCES: 2
PAYMENTS: 511
PUBLIC RECORDS: 0
INQUIRIES (2 years): 26
32Inquiries may contribute about 10% of your score, but there is no 'cap' - the more inquiries the more damage.
On my reports, as each inquiry falls off my report the score gains 2-3 points.
6 accounts (the oldest being 6 months old), and $21k balances over those 6 cards?
What are your total limits vs balances, broken down by card?
I think it is pretty obvious why your scores are so low.
You have to build a history to build a score, and you have a short history with alot of red flags.
I am looking for an amortization calculator (I KNOW THEY ARE EVERYWHERE).But they are all forward looking "IF" I make extra payments.I want a calculator that will take into account my monthly payment I have now based on my original loan amount.Take into account that I have already made extra payments (think I already have a 4 or 5 years off)And show what it will do if I make more regular extra payments.
Which CC still has one-time use # for potentially questionable transactions or vendors?
I'm looking for something preferably with cash rebate.
My AMEX used to have this feature but not anymore.
LongDongSilver said: Which CC still has one-time use # for potentially questionable transactions or vendors?
I'm looking for something preferably with cash rebate.
My AMEX used to have this feature but not anymore.
Thanks!I believe all Citi cards offer this feature.
Discover does, also.
cmatthes1 said: I am looking for an amortization calculator (I KNOW THEY ARE EVERYWHERE).But they are all forward looking "IF" I make extra payments.I want a calculator that will take into account my monthly payment I have now based on my original loan amount.Take into account that I have already made extra payments (think I already have a 4 or 5 years off)And show what it will do if I make more regular extra payments..
Simply enter the loan amount and then enter where you made your extra payments / where you'd like to make future extra payments.Nevermind.
I just discovered googledocs doesn't retain formulas.
I created this spreadsheet using an Excel wizard about 3 years ago if you'd like to created your own...try this
Double Post...Error on Page when logged.
First off, I've read through like every forum on here but a lot of the pertinent inf from 2004 and 2005.
I'm trying to open a Roth IRA inexpensively.
I want Free DRIP, free automatic debit from my BofA checking account to the IRA at an amount of $50 every 2 weeks (Payday), I also want a very low initial investment, like $250-500 NOT $ like Vanguard or Fidelity.
I would like to be investing in Vanguard or Fidelity indexes until I get around $10k to try other investment options, but cannot afford their initial amounts.
I don't mind owning just 1 fund for now until I amass more money to work with.
Is there anything like this out there???
It seems that every place I look, I cannot find all of these options.
Either I can open an account with Free DRIP, but must deposit like $500 minimum and cannot do an automatic investment plan monthly from my paycheck.
I don't necessarily mind paying for actual trades, but I don't want to pay a Lot.
So far I've looked into Merrill, Morgan, T. Rowe, Scottrade, Ameritrade, going directly to Vanguard or Fidelity, and a few others.
I really would like to go directly with Vanguard right now but don't have the $3000 initial investment.
I've looked into ING funds, but don't like their performance at all.
I'd rather keep my money building in their savings for the time being until I get the $3k to open with vanguard.Background: My financial status is decent. I'm 25 years old.
I have around $11k in 401k, maxing out my employer contribution each paycheck.
I also have my 6 month safety net in case I lose my job.
I have a separate account tucked away that I contribute regularly to, for my first time home purchase.
But I would like to be able to put $100 away in an IRA right now until I can get that up to $200 a month.
(I have a guaranteed raise in June that will enable that to happen.)
Right now I have an ING account titled, Roth IRA, where I have them deduct $50 from each paycheck.
But that's just one of their saver accounts and there's only $250 in it.Any ideas???I'm specifically looking for Roth IRAs that could hold Index Mutual Funds and maybe eventually place a stock, option or futures trade down the road.
If I have to open a separate brokerage account down the road for the stock, option or futures trade, then I?ll do so.
but right now, I'm hoping for a cheap, easy, beginner Roth account that will let me build up.
I've seen Fidelity's
Simple Start as well as T. Rowe Price's Smart Choice but I'm not all about those for some reason.
I wish Vanguard had one.
Maybe i should call their CEO?
Yeah, that'd work.
Triple Post...Error on Page when logged.
I just moved out of an apartment, and unfortunately I caused a stain on the carpet that could not be removed.
However, there was already a stain on there from a previous tenant.
Also, I paid a $100 non-refundable carpet cleaning fee already, and they are trying to charge me $75 for the stain because they have to replace it.
Any advice?
Thanks in advance.
Make them take you to court if they want the money.
Keep all correspondence via certified mail with return reciept.
Keep copies.
If it is only $75 they'll probably drop it before they waste time to go to court.
Do not talk to them on the phone as none of that matters.
Look up the renter's rights for your state and find any bit of the statutes that they are not following.
I have tried using insweb
and I was expecting instant quotes.
But I never got any after entering my information. I entered my info about 4 days ago and have only received one email/phone
call (from AIG).
I did not receive any quotes online when I entered my info, however. Am I doing this correctlY? When should I expect quotes?
sorry for such a newbie question:i'm pretty sure i've seen a list of the best cd rates available currently, but i cant seem to find the thread thru the search option.
any suggestions?
Does anyone know how to freeze Experian credit reports?
I've seen people talk about it but when it came to the details it was because their state that had some specific law that forced experiean to let them.I live in CA if that helps. Also I have had no fraudulent activity.
cmatthes1 said: thanks so much for the link
What do the financial minds here consider to be a "good score" when it comes to mortgage rates?
720 gets thrown around a lot as an answer to that question.
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qcumber98 said: &&kjl1977 said: &&my4mainecoons said: &&You're going to need an estimate before you can decide whether to pay out of pocket.
Was planning on getting one, but was wondering what it's worth to pay out of pocket vs. filing a first time claim with the insurance company.
You always pay your insurance bill on time. But what's the point of having insurance if you get penalized for using it?I think he's trying to figure out if the increase in premiums will be more than the cost of paying for it out of pocket. In that case, it may make financial sense to pay out of pocket. When another party's involved, you also have to consider the hassle/liability of dealing with that, but in this case, it would mostly be a financial calculation.
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