Finance Q&A

Edwards Finance

Using home equity loan to refinance mortgage
I've sent in the application, so I suppose I'll hear what they have to say. It seems like a great idea because they claim there are no fees. I assume though that the interest rate will be a bit higher. And if I pay off the mortgage I'll probably be responsible for paying my own taxes and insurance; I'm not sure if the home equity would have a escrow or not. I'm wonder what would happen if I missed a payment or two. Could my house be reposed faster under a home equity loan than a conv...

What is the best account type to use for a home equity line of credit in Quicken 98?
What is the best account type to use for a home equity line of credit in Quicken 98? I could do this as a credit card account, but it would be nice for Quicken to calculate the payments & amortization. Can it deal with a loan where the principal amount changes each month? Is this something to add to the wish list for Q99?I have been using a Credit Card account type for my equity line for the past 6 years and it has worked fine. Since the balance changes as you make payments and...

Ip Phone Equipment, rogers internet problem
Anyone notice a problem with their Rogers internet connection this morning? Have a completely new ip (first in 9 months) and everything is DAMN slow.Yea, whole new subnet. I noticed the IP change this morning, and reconfigured my natd config so I could surf some web on the windows boxes sitting behind my FreeBSD box. I'm running into the same issues others here mentioned. Can't seem to connect to 80/21/22 on the home- front. I am able to connect from work to ports 80 and 22 on m...

Mechanical Engineering Consulting Services
Lathrop Engineering, Inc. 492 Division Street Campbell, CA 95008 USA Phone: 408-379-7500 Fax: 408-379-0417 INDUSTRIAL DESIGN/PRODUCT DESIGN Lathrop's ability to translate new, innovative ideas into successful products gives our clients the competitive edge in their market. The successful integration of industrial design and engineering is the key to producing leading edge products. By combining the talents of highly trained professionals with 3-D CAD/CAM tools, pl...

Please help. thinking of studying biomed engineering
I guess the most obvioius question is how much does a biomedical engineer make? Is he treated more as a doctor, or as an engineer? using the sterotype that engineers are paid low while doctors are paid more. Also, how hard would it be to double major in biomed engineering and MD? Do the courses overlap, or no? I ask because while I'm great at CS,biology,physics, and engineering, I'm not too sure I just want to deal with one of them. I, like most engineers remember when I wa...

Yearly Free Credit Report
I have a question. One we're married, how does that affect our credit. My fiance has a bad credit history, and we're concerned that it may affect MY chances of getting loans, etc. If I am buying something by myself, and applying for the loan myself (or with my parents to cosign, but NOT my husband) will they consider his credit history at all since he will be my husband at that point, or will they just look at mine?Most banks and financial advisors recommend you check all your credit...

Nortel Networks Office Phone. Need Pro's + Con's for MICS at multi sites ?
I am being asked what are the Pro's of linking 3 sites using MICS's at all three sites. The NEC Guys are telling the customer that the Norstar has some limitation when using ACD, NVM, and some type of networking. Can anyone tell me the Pro's and Con's by using T1's, ISDN, or Tie lines.what are he limits for ACD and Norstar Voice Mail - Should each site have a MICS + a NAM with ACD and Voice mail? or can they share one unit for all three sites. Site A - (Main) has 60 Ext's 40 ...

working qual for an electrical eng
I have got a PR visa and now am finding out info on settling in Australia. I have qualified as a Electrical engineer for immigration purposes but I understand that I have to get some australian qualifications to practise as an engineer. Exactly what are the exams I have to pass and where do I lok of rthis info. I am unable to get this info from IEAust site or maybe am overlooking it , can someone please advice me on this-It is not usually compulsory to be a member of IEAust to get w...

Telephone wiring ?
My question is how do physically layout the wiring? Do you draw a single loop around the house, pulling a tap off for each room that has a drop? Or, do you have a single line to a central box and than pull a dedicated line from the box to each room that has a drop?The best approach, if you use the modem at only one location, is to wire the cable ONLY to that location. To provide future flexibility you can run additional wires other places, but only leave one wired to the demarcation...

Maine Income Tax
I have some friends who are married, live in southern New Hampshire and work in Maine. Actually the wife works in Maine and the husband in Massachusetts. Some how the state of Maine taxes their combined income. I had always believed that filing separately on their federal income tax was the way around this, but Angie tells me it's not true. Does anyone out there now out there know how the state of Maine justifies this apparent ripoff and short of not working there, how to kee...

Cellular phone for business ?
I wonder if you can deduct a cell-phone bought just for business travel as a business expense? I was once told by my accountant that if I had another phone installed (I have two now) that only one could be used as a business expense. (I thought maybe one for the internet was a business expense since I use the internet mostly for business purposes and another phone for just business calls and then my own private phone for everyone to use would, of course, not be a business expense. ...

Help me about NJ Bankruptcy Law in my case
My 78 yo mother has hospital and credit card debts that is taking all of her money because of the interest. She can no longer pay her bills and is afraid to go bankrupt because she gave her house to my brother last January after no bank would give her a loan ( debts too high ) so my brother got a loan in his name to pay off medical bills incurred while her husband was on life support ( he died 6/7/01 )... she is afraid the court will make my brother return the house and he can'...

Compare VOIP PBX to classical PBX ?
Does it take less time to configure/install a classical PBX compared to a Voip PBX like the Cisco CallManager?A classical PBX is fairly stable in performance, configuration, and reliability. I'm constantly updating and working on the Cisco CallManager servers. Seems like every software fix adds a few new "undocumented features". Are you using a centralized Call Manager or a distributed model? Is the Call Manager trunked to a TDM PBX and if so, what kind of PBX? What vers...

Drafting Design
I am recently enrolled at ITT. I am having to answer some questions and I hoped ya'll could help me out. I greatly appreciate it if you could answer some of the following questions. What types of careers are there for draftsmen? What are there qualifications needed? What are some objects draftsmen draft that people don't really pay attention to? What are your predictions for future draftsmen, for ex. what will they design, who will design it, etc... In your opini...

Architecture vs Architectural Engineering Degree
My daughter is a senior in high school and is interested in pursuing an education in architecture. A teacher recommended she look at arch eng since she is strong in math and science, and less so in the arts. She visited the Milwaukee School of Engineering which has an arch eng program and is now interested in attending there. I'm more inclined to suggest she pursue a traditional architecure degree. Does anyone have any comments on an arch eng degree? If she wants to head more i...


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