Questions & Answers
Is it true that you cannot have a Roth IRA if you make too much money? If you make more than $99,000 as a single person you cannot contribute the full amount ($4000 or $5000 yearly contribution if you are over 50). If you make over $114,000 you cannot contribute any to a Roth. If you are married filing jointly with your spouse....if your joint income is over $156,000 you cannot contribute the full amount. If your joint income is over $166,000 neither of you can contribute any money to a Roth-IRA If you are married filing SEPERATELY, you cannot contribute to a Roth (max income limit is $10,000 which is so low most people make more than that) Any money you contributed in past years when you were making UNDER the limit, may stay in the Roth account. If you are over the income limit, you just can't put in any additional money.
Is it better to trade in my car owing money or pay it off and then trade it in?
In general, it doesn't make much difference if you have a payoff or a clear title as far as the actual cash value of the vehicle, or ACV, which is the term we use in the auto sales industry for the actual amount of money they will put into your trade. This number is what the appraiser thinks the car is worth in real money, but getting all of that money as a trade-in is a different story. If they can get it for less, that goes towards profit for that particular car deal. That being said, if you decide to pay it off and bring the title, DO NOT tell the dealer you have a free and clear title until after you put numbers together, because a lot of dealers will cut the appraisal if they know you are sitting there with 11k to 12k in equity. There's less equity to try and hold on the trade if the think you have a payoff. Think of it this way... they might try to hold a certain percentage of the value of the trade, and would you rather they hold 10% of $4000 or 10% of $11,000? If they ask what payoff is before giving you a price for the Jeep and the amount offered for your trade and you decided to pay it off already, just tell them you're not sure what you want to do about any payoff and get back to real numbers before you whip out the title. Also, selling it privately might get you a few more dollars, but depending what state you are in, it might save you a good chunk in sales tax if you trade it in, so weigh that in your equation as well.
When you get health insurance through your employer, can you be denied coverage for preexisting conditions?
You have already gotten some good advice about checking your plan, checking with Human Resources, asking the insurance company. You should do all those things. If you get to the end of your rope and you have not received a satisfactory resolution, don't call an attorney yet - they are expensive and you have one more no-cost option. Contact your state insurance department and lodge a formal complaint against the insurer. They carry a lot of weight with insurance companies and may be able to provide good help to you. In California, go to http://www.insurance.ca.gov/contact-us/0200-file-complaint/index.cfm Best wishes.
What is the best way to describe my skills on a job application?
Rules to show your skills in resume / job applications: 1. Give numbers / statistics to show your job scope Ex.: Negotiated 500+ claims annually 2. List accomplishments to show you are valuable Ex: Managed the highest sales in region (in $$$) 3. Choose right keywords Most big companies use computer to match resumes with job opening. So, read the job opening carefully and use the same keywords in your resume / application 4. Do not include hobbies (unless you know the hiring manager has the same hobbies with you). Hope this helps....
Is it better to trade in my car owing money or pay it off and then trade it in?
In general, it doesn't make much difference if you have a payoff or a clear title as far as the actual cash value of the vehicle, or ACV, which is the term we use in the auto sales industry for the actual amount of money they will put into your trade. This number is what the appraiser thinks the car is worth in real money, but getting all of that money as a trade-in is a different story. If they can get it for less, that goes towards profit for that particular car deal. That being said, if you decide to pay it off and bring the title, DO NOT tell the dealer you have a free and clear title until after you put numbers together, because a lot of dealers will cut the appraisal if they know you are sitting there with 11k to 12k in equity. There's less equity to try and hold on the trade if the think you have a payoff. Think of it this way... they might try to hold a certain percentage of the value of the trade, and would you rather they hold 10% of $4000 or 10% of $11,000? If they ask what payoff is before giving you a price for the Jeep and the amount offered for your trade and you decided to pay it off already, just tell them you're not sure what you want to do about any payoff and get back to real numbers before you whip out the title. Also, selling it privately might get you a few more dollars, but depending what state you are in, it might save you a good chunk in sales tax if you trade it in, so weigh that in your equation as well.
When you get health insurance through your employer, can you be denied coverage for preexisting conditions?
You have already gotten some good advice about checking your plan, checking with Human Resources, asking the insurance company. You should do all those things. If you get to the end of your rope and you have not received a satisfactory resolution, don't call an attorney yet - they are expensive and you have one more no-cost option. Contact your state insurance department and lodge a formal complaint against the insurer. They carry a lot of weight with insurance companies and may be able to provide good help to you. In California, go to http://www.insurance.ca.gov/contact-us/0200-file-complaint/index.cfm Best wishes.
What is the best way to describe my skills on a job application?
Rules to show your skills in resume / job applications: 1. Give numbers / statistics to show your job scope Ex.: Negotiated 500+ claims annually 2. List accomplishments to show you are valuable Ex: Managed the highest sales in region (in $$$) 3. Choose right keywords Most big companies use computer to match resumes with job opening. So, read the job opening carefully and use the same keywords in your resume / application 4. Do not include hobbies (unless you know the hiring manager has the same hobbies with you). Hope this helps....
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