I am going to open an eBay store to sell beautiful handmade cards, stationary, invitations, gift baskets, magnets, jars, and a variety of seasonal crafts. I have thought of Moments Made, Creative Moments, or Sunshine Creations. If there's one of these you like please note which one or if you have any ideas I would love them! Please only serious answers and nothing offensive. Thank you!
I really like Sunshine Creations. I'd definitely click, it grabs the reader's attention!
I like Moments Made the best, it's cute.
Magic Moments
Moments in Time
Creation Scape's
Baskets and Bows
Letters from Home
Write Decisions
Write Moments
Good luck with your new venture
Wednesday, April 8, 2009
In an engineering project (say for a mall) when can the company put up a website (mainly for advertising)?
Can it be done before building permits are cleared?
The website can be put up anytime. Building permits have no effect on the building of websites or advertising.
The website can be put up anytime. Building permits have no effect on the building of websites or advertising.
Is posting the wrong business hours false advertising?
My wife wants a Martha Stewart Bistro set for her birthday. Well the retailer that carries them has on their website that they are open until 10 on Saturday nights. After calling and checking i managed to locate a set at a store over an hour away. I drove all the way there and arrived at 9:08 just to find the hours posted there is 9:00 and that they were closed. I really want to know if they are required to compensate me for fuel and time now that i am going to have to make a second trip today. They are the only retailer that carries this product.
It sucks but there is no legal recourse you can take. It's not considered false advertising cause technically is isn't advertising.
No
It sucks but there is no legal recourse you can take. It's not considered false advertising cause technically is isn't advertising.
No
Have you been getting more door 2 door salesmen and have they been getting more pushy?
Or is it just a Florida thing? Some here are down right nasty when you say "no thank you", "no thank you"......
Yea! I've seen it....I thought maybe it was just me. Here in Atlanta, we would get someone coming by maybe once every few months, now it's like 3 times a week. And they won't take a polite, no thank you for an answer, they'll just keep up with their sales pitch, so I just end up closing the door on them.....it's like....what part of "NO" don't they understand?
I had a guy just the other day trying to sell me doors & windows, when I said "no thank you" he wanted to know why? Wanted to know why? Excuse me but thats none of their business, why. And when I told him that, he called me a "jerk" and walked away. I would have called the company to complain but I didn't even know what company he worked for. I think some of these companies that use to call on the phone are realizing that people just hang up or don't answer, so now their sending people out.
Our police said on the TV that if you see a door to door sales person; call them to check the person and their business out.
The police said better safe than sorry; and help them stop the Gypsy Scammers; the reason being too many Gyspsy scam teams hitting our city.
The scammers have many scams, most involved house repair; they take deposits, maybe do some demolition and leave it like that or maybe they do a very very poor job and then leave.
While some others have to do with magazine sales.
And some have to do with robbing mailboxes while they go door to door pretending to sell something, (they are compileing identity thieft informations from those mailboxes).
Our weather here is still a bit wintry, so we haven't had those door 2 door people, not yet anyways.
I'm not surprised though with them getting more pushy, with the economy the way it is, and probably more of these guys have been laid-off their normal jobs and are doing this kind of work just to get by. They have no idea what customer service or being polite means.
I live in Oklahoma. We need to get a new roof on our house, so we're constantly having men come by offering their business to fix it. We keep telling them no, but its like they drive through the neighborhoods looking for bad roofs and then stopping. Also during the summer we get mowers wanting to mow our lawn. It does get frustrating, especially when i'm home alone. I don't want to answer the door to a stranger! They can be very pushy though, I make my husband talk to them cause he's good at telling them NO, i just stand there and listen cause i'm too shy to say no. lol.
Door to door is a very good thing for business, except when they act like you mentioned. Must be a Florida thing with yalls awesome weather down there.
Other than school kids selling candy or whatever, I haven't had a salesman at my door in years
It helps to answer the door with bloody hands and a bloody kitchen knife. Keeps them from coming back during dinner prep!
cause their probably sick of everybody saying no.
to much competition out there and the fact that they work on commision don't help the residents!
Yea! I've seen it....I thought maybe it was just me. Here in Atlanta, we would get someone coming by maybe once every few months, now it's like 3 times a week. And they won't take a polite, no thank you for an answer, they'll just keep up with their sales pitch, so I just end up closing the door on them.....it's like....what part of "NO" don't they understand?
I had a guy just the other day trying to sell me doors & windows, when I said "no thank you" he wanted to know why? Wanted to know why? Excuse me but thats none of their business, why. And when I told him that, he called me a "jerk" and walked away. I would have called the company to complain but I didn't even know what company he worked for. I think some of these companies that use to call on the phone are realizing that people just hang up or don't answer, so now their sending people out.
Our police said on the TV that if you see a door to door sales person; call them to check the person and their business out.
The police said better safe than sorry; and help them stop the Gypsy Scammers; the reason being too many Gyspsy scam teams hitting our city.
The scammers have many scams, most involved house repair; they take deposits, maybe do some demolition and leave it like that or maybe they do a very very poor job and then leave.
While some others have to do with magazine sales.
And some have to do with robbing mailboxes while they go door to door pretending to sell something, (they are compileing identity thieft informations from those mailboxes).
Our weather here is still a bit wintry, so we haven't had those door 2 door people, not yet anyways.
I'm not surprised though with them getting more pushy, with the economy the way it is, and probably more of these guys have been laid-off their normal jobs and are doing this kind of work just to get by. They have no idea what customer service or being polite means.
I live in Oklahoma. We need to get a new roof on our house, so we're constantly having men come by offering their business to fix it. We keep telling them no, but its like they drive through the neighborhoods looking for bad roofs and then stopping. Also during the summer we get mowers wanting to mow our lawn. It does get frustrating, especially when i'm home alone. I don't want to answer the door to a stranger! They can be very pushy though, I make my husband talk to them cause he's good at telling them NO, i just stand there and listen cause i'm too shy to say no. lol.
Door to door is a very good thing for business, except when they act like you mentioned. Must be a Florida thing with yalls awesome weather down there.
Other than school kids selling candy or whatever, I haven't had a salesman at my door in years
It helps to answer the door with bloody hands and a bloody kitchen knife. Keeps them from coming back during dinner prep!
cause their probably sick of everybody saying no.
to much competition out there and the fact that they work on commision don't help the residents!
Why promotion of services are difficult as compared to that of products?
Promotion of services are difficult as it is intangible.
Products are tangible and hence it's easier.
Products are tangible and hence it's easier.
I need a slogan for a graphic design company?
I need a slogan for my graphic design company called Zajac Studios. We have been dealing with all types of customers making posters, packaging, and t-shirts.
Basically Zajac comes from the polish word Rabbit which is our trademark logo. I need help coming up with some type of slogan involving graphic design and the thought of a rabbit. All help is greatly appreciation.
Hare raising designs.
Zajac Studios
"the art of friendly designs"
Zajac..hopping your designs to success!!
Basically Zajac comes from the polish word Rabbit which is our trademark logo. I need help coming up with some type of slogan involving graphic design and the thought of a rabbit. All help is greatly appreciation.
Hare raising designs.
Zajac Studios
"the art of friendly designs"
Zajac..hopping your designs to success!!
Help!! I need a campaign slogan by tonight!!?
Hi my name is haley and I have to put up posters for my student council election tomorrow. I am running for secretary of commerce, which organizes dances and such. I want a funny slogan that people will remember because i am going up against the most popular girl in the school. Help me please!!
Pardon me, can you spare a vote?
Obama supports Haley.
She's not popular so she has time for student council.
Vote for Haley. She won't raise taxes.
haley? why would anyone waiting until the last minute to come up with a campaign slogan want to vote for you? organizing a dance and such requires planning and thought to be successful.Good luck young lady
Just tell them that their wildest dreams will come true if they vote for you. And if you can dance like Napolean Dynamite you probably have a great chance at winning. :)
Hi, I'm running for Student Council
For things to run smooth daily
Don't forget to vote for Haley
1 Have fun while doing it
2 The change I'm bringing
3 I'mma make it better
Pardon me, can you spare a vote?
Obama supports Haley.
She's not popular so she has time for student council.
Vote for Haley. She won't raise taxes.
haley? why would anyone waiting until the last minute to come up with a campaign slogan want to vote for you? organizing a dance and such requires planning and thought to be successful.Good luck young lady
Just tell them that their wildest dreams will come true if they vote for you. And if you can dance like Napolean Dynamite you probably have a great chance at winning. :)
Hi, I'm running for Student Council
For things to run smooth daily
Don't forget to vote for Haley
1 Have fun while doing it
2 The change I'm bringing
3 I'mma make it better
What product or service would you like to see?
What service or product, that is not already out there, you would use or buy? Is there services that you think are to expensive or is there a lack of choice in some areas?
this is the most basic question of an entrepreneurer the purpose of which is to find an opportunity gap and serve it effectively and efficiently i.e with a good ratio of input resources and the output. you need to do an environmental scanning or simply a market research to find this opportunity gap. i did a detailed project on entrepreneurial ideas and suggested that there should be a service which rents out the expensive bridal dresses for the wedding. if you need that project i can provide it to you. (i got an a in this project). there were also some weird kind of ideas presented by other students in the class like tooth paste for men only, etc.
An alien friend/pet :P
A mutant friend/pet :)
A robot friend/pet :D
LOL!
this is the most basic question of an entrepreneurer the purpose of which is to find an opportunity gap and serve it effectively and efficiently i.e with a good ratio of input resources and the output. you need to do an environmental scanning or simply a market research to find this opportunity gap. i did a detailed project on entrepreneurial ideas and suggested that there should be a service which rents out the expensive bridal dresses for the wedding. if you need that project i can provide it to you. (i got an a in this project). there were also some weird kind of ideas presented by other students in the class like tooth paste for men only, etc.
An alien friend/pet :P
A mutant friend/pet :)
A robot friend/pet :D
LOL!
What would a product that is not tested or unexpirmented be called?
The guitar company Gibson. sometimes releases a handfull of new guitars for people to try and report how they felt about it.
what would this be called?
and no the word "beta" is not what im looking for.
I believe the answer you are looking for is prototype.
what would this be called?
and no the word "beta" is not what im looking for.
I believe the answer you are looking for is prototype.
How is consumer perception of a certain company related to the company
In other words, how can consumer perception of a certain brand affects the strategy of that brand?
Consumer perception can dictate brand strategy in its marketing, pricing, packaging and even its form.
Here are a few examples:
1. If consumers have negative perception of a brand or product, the strategic plan can be geared to a defensive strategy ie consumer re-education or attacking the negative perception by emphasizing its inaccuracy and harping the products positive attributes.
2. When consumers perceive that product A is better than the cheaper product B although the company producing product B knows that both products are the same in quality and performance, the company's strategy should be geared towards showing consumers that both products are of same quality and emphasizing its value-for-money proposition.
Consumer perception can dictate brand strategy in its marketing, pricing, packaging and even its form.
Here are a few examples:
1. If consumers have negative perception of a brand or product, the strategic plan can be geared to a defensive strategy ie consumer re-education or attacking the negative perception by emphasizing its inaccuracy and harping the products positive attributes.
2. When consumers perceive that product A is better than the cheaper product B although the company producing product B knows that both products are the same in quality and performance, the company's strategy should be geared towards showing consumers that both products are of same quality and emphasizing its value-for-money proposition.
Marketing Jobs | Advertising, Media, Digital, Direct Marketing ...?
Search & apply for marketing, advertising, digital, direct marketing & design jobs a leading UK specialist job search website.
I can suggest you to use www.clickmycoupon.com this site for post your free business coupon or advertise your business and grow up your business.
I can suggest you to use www.clickmycoupon.com this site for post your free business coupon or advertise your business and grow up your business.
How to market a product in Japan?
I need help looking for a international marketing/advertising agency in the USA. I would like to obtain a Japan mailing list. Please advise!
ARE YOU A INDIAN
1) INDIAN MARKET IS THE BEST
2) WE HAVE A LOT OF POPULATION
THEN EAST INDIAN COMPANY RETURN TO INDIA, IF WE ALL GO AWAY
ARE YOU A INDIAN
1) INDIAN MARKET IS THE BEST
2) WE HAVE A LOT OF POPULATION
THEN EAST INDIAN COMPANY RETURN TO INDIA, IF WE ALL GO AWAY
Wednesday, April 1, 2009
A QUESTION FOR BUSINESS MEN?
Well I'm the first one in literally my entire family to be in a professional industry, and while I still am studying, I know I'm not far from working for a company. My question is what kind of suits do business men wear (like stripe or what colour?) Should I have more than one so I'm not wearing the same one everyday? And also should I have a different tie for each day? Sorry it might seem dumb, but I've never been around or have any knowledge about this sort of thing. Thanks!
Hoepfully, whoever you go work for has a Business Casual dress policy - like most fo America - dress pants and shoes and button down shirt, but no tie or coat required.
I'm a FInancial Controller and I hate wearing a tie, never mind a coat - my company even lets me wear Blue jeans on Fridays - no sneakers though - and I'll be 50 in June. Once in awhile on days I have a staff meeting, I'll wear a tie
Interesting. Most companies adhere to a business casual dress code: a pair Dockers and nice dress shirt is usually the name of the game. I've only worked for one business that required wearing a tie and it's standard to wear a DIFFERENT tie every day of the week. When your beginning your career, you will only need one business suite for job interviews, default color is black with/without stripes. Bathing is required, by the way.
more than one if you do not want to smwll like a skunk go to a suit place and let them ind you a look
Hoepfully, whoever you go work for has a Business Casual dress policy - like most fo America - dress pants and shoes and button down shirt, but no tie or coat required.
I'm a FInancial Controller and I hate wearing a tie, never mind a coat - my company even lets me wear Blue jeans on Fridays - no sneakers though - and I'll be 50 in June. Once in awhile on days I have a staff meeting, I'll wear a tie
Interesting. Most companies adhere to a business casual dress code: a pair Dockers and nice dress shirt is usually the name of the game. I've only worked for one business that required wearing a tie and it's standard to wear a DIFFERENT tie every day of the week. When your beginning your career, you will only need one business suite for job interviews, default color is black with/without stripes. Bathing is required, by the way.
more than one if you do not want to smwll like a skunk go to a suit place and let them ind you a look
Lucent technologies? please help?
Here are the questions:
2. Evaluate the asset, debt, and equity structure of Lucent Technologies, as well as trends and changes found on the common-size balance sheet.
3. What concerns would investors and creditors have based on only this information?
4. What additional finanacial and non-financial information would investors and creditors need to make investing and lending decisions for Lucent Technologies?
.Required 1. Using the Consolidated Balance Sheets for Lucent Technologies for September 30, 2004 and 2003, prepare a common-size balance sheet. 2. Evaluate the asset, debt, and equity structure of Lucent Technologies, as well as trends and changes found on the common-size balance sheet. 3. What concerns would investors and creditors have based on only this information? 4. What additional financial and nonfinancial information would investors and creditors need to make investing and lending decisions for Lucent Technologies? LUCENT TECHNOLOGIES INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (in Millions, Except per Share Amounts) September 30, September 30, 2004 2003 Assets Cash and cash equivalents $ 3,379 $ 3,821 Marketable securities 858 686 Receivables 1,359 1,511 Inventories 822 632 Other current assets 1,813 1,213 Total current assets 8,231 7,863 Marketable securities 636 ?Property, plant, and equipment, net 1,376 1,593 Prepaid pension costs 5,358 4,659 Goodwill and other acquired intangibles, net 434 188 Other assets 928 1,608 Total assets $ 16,963 $ 15,911 Liabilities Accounts payable $ 872 $ 1,072 Payroll and benefit-related liabilities 1,232 1,080 Debt maturing within one year 1 389 Other current liabilities 2,361 2,393 Total current liabilities 4,466 4,934 Postretirement and postemployment benefit liabilities 4,881 4,669 Pension liabilities 1,874 2,494 Long-term debt 4,837 4,439 Liability to subsidiary trust issuing preferred securities 1,152 1,152 Other liabilities 1,132 1,594 Total liabilities 18,342 19,282 Commitments and contingencies 8.00% redeemable convertible preferred stock ?868 Shareowners?Deficit Preferred stockar value $1.00 per share; authorized shares: 250; issued and outstanding: none ??Common stockar value $.01 per share;Authorized shares: 10,000; 4,396 issued and 4,395 outstanding shares as of September 30, 2004,and 4,170 issued and 4,169 outstanding shares as of September 30, 2003 44 42 Additional paid-in capital 23,005 22,252 Accumulated deficit (20,793) (22,795) Accumulated other comprehensive loss (3,635) (3,738) Total shareowners?deficit (1,379) (4,239) Total liabilities, redeemable convertible preferred stock and shareowners?deficit $ 16,963 $ 15911
I%26#039;ve sent a file to that address you gave me.
mate use google and type accounting calculator
%0D%0A
2. Evaluate the asset, debt, and equity structure of Lucent Technologies, as well as trends and changes found on the common-size balance sheet.
3. What concerns would investors and creditors have based on only this information?
4. What additional finanacial and non-financial information would investors and creditors need to make investing and lending decisions for Lucent Technologies?
.Required 1. Using the Consolidated Balance Sheets for Lucent Technologies for September 30, 2004 and 2003, prepare a common-size balance sheet. 2. Evaluate the asset, debt, and equity structure of Lucent Technologies, as well as trends and changes found on the common-size balance sheet. 3. What concerns would investors and creditors have based on only this information? 4. What additional financial and nonfinancial information would investors and creditors need to make investing and lending decisions for Lucent Technologies? LUCENT TECHNOLOGIES INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (in Millions, Except per Share Amounts) September 30, September 30, 2004 2003 Assets Cash and cash equivalents $ 3,379 $ 3,821 Marketable securities 858 686 Receivables 1,359 1,511 Inventories 822 632 Other current assets 1,813 1,213 Total current assets 8,231 7,863 Marketable securities 636 ?Property, plant, and equipment, net 1,376 1,593 Prepaid pension costs 5,358 4,659 Goodwill and other acquired intangibles, net 434 188 Other assets 928 1,608 Total assets $ 16,963 $ 15,911 Liabilities Accounts payable $ 872 $ 1,072 Payroll and benefit-related liabilities 1,232 1,080 Debt maturing within one year 1 389 Other current liabilities 2,361 2,393 Total current liabilities 4,466 4,934 Postretirement and postemployment benefit liabilities 4,881 4,669 Pension liabilities 1,874 2,494 Long-term debt 4,837 4,439 Liability to subsidiary trust issuing preferred securities 1,152 1,152 Other liabilities 1,132 1,594 Total liabilities 18,342 19,282 Commitments and contingencies 8.00% redeemable convertible preferred stock ?868 Shareowners?Deficit Preferred stockar value $1.00 per share; authorized shares: 250; issued and outstanding: none ??Common stockar value $.01 per share;Authorized shares: 10,000; 4,396 issued and 4,395 outstanding shares as of September 30, 2004,and 4,170 issued and 4,169 outstanding shares as of September 30, 2003 44 42 Additional paid-in capital 23,005 22,252 Accumulated deficit (20,793) (22,795) Accumulated other comprehensive loss (3,635) (3,738) Total shareowners?deficit (1,379) (4,239) Total liabilities, redeemable convertible preferred stock and shareowners?deficit $ 16,963 $ 15911
I%26#039;ve sent a file to that address you gave me.
mate use google and type accounting calculator
%0D%0A
CVS vs. Walgreens and why?
Walgreens...better prices, bigger stores, better selection.
I think it's kinda strange that they're about a mile apart in Florida though. I guess upper management calls that saturation. They want everybody to be in walking distance of a Walgreens. lol
Walgreens--you don't need to carry another card around for bargains.
Either one are great for coupon shopping for freebies, lol :-)
Keep in mind, currently CVS has the top rated pharmacy. I'm not sure what you're asking though.
What is your question here?
I think it's kinda strange that they're about a mile apart in Florida though. I guess upper management calls that saturation. They want everybody to be in walking distance of a Walgreens. lol
Walgreens--you don't need to carry another card around for bargains.
Either one are great for coupon shopping for freebies, lol :-)
Keep in mind, currently CVS has the top rated pharmacy. I'm not sure what you're asking though.
What is your question here?
Boycott mail-in rebates?
Why force the consumer to wait for up to 90 days using the buyers money until and that is if the rebate actually reaches you.
Why not the companies offering the rebate give this rebate at check-out?
I don't understand it either. Its some kind of crazy marketing scheme.
Why not the companies offering the rebate give this rebate at check-out?
I don't understand it either. Its some kind of crazy marketing scheme.
How much do assistant managers at Staples make?
and are they a good company to work for?
They don%26#039;t do hourly, most of them have a salary and they have to put in at least 40 hours a week. Even if they go over they don%26#039;t get overtime. But most of them have a large amount of benefits such as insurance, 401K, stock options and they make incentive if the store they work at makes their monthly goals in sales and other things; like opening store credit cards and good customer service. Most of them make up to mid 5 digits a year, plus the incentives. However the job is high stress and high maintance. So you would be dealing with and delegating a lot of people and having irregular work hours.
Good Luck
It depends on where you live. The employees in San Francisco make about 50% more than they do in the Midwest.
%0D%0A
They don%26#039;t do hourly, most of them have a salary and they have to put in at least 40 hours a week. Even if they go over they don%26#039;t get overtime. But most of them have a large amount of benefits such as insurance, 401K, stock options and they make incentive if the store they work at makes their monthly goals in sales and other things; like opening store credit cards and good customer service. Most of them make up to mid 5 digits a year, plus the incentives. However the job is high stress and high maintance. So you would be dealing with and delegating a lot of people and having irregular work hours.
Good Luck
It depends on where you live. The employees in San Francisco make about 50% more than they do in the Midwest.
%0D%0A
Is there any alternatives to play/amazon that is trusted?
The certain item I want is out of stock at these websites, I'd appreciate another website.
Yes there are many trusted websites i use:
HMV,
CD WOW,
Tesco Jersey (aka. Tesco entertainment)
Ebay?
PC World
These are just some i'm sure there are more.
I am in England and They all sell brand new products
walmart
Yes there are many trusted websites i use:
HMV,
CD WOW,
Tesco Jersey (aka. Tesco entertainment)
Ebay?
PC World
These are just some i'm sure there are more.
I am in England and They all sell brand new products
walmart
Are the jobs posted on websites real jobs?
I'm out of work at the moment and registered with on-line agencies, job sites, gumtree etc, every day they email me jobs, some of which are right up my street, but when I chase these up the job has gone or I'm over/under qualified? It's really cheesing me off.... I'm beginning to feel these are bogus jobs?
The above is spam for sure ... but jobs online are usually real, I have applied for and gotten every job I've had, it's much easier that writing and sending CVs.
The above is spam for sure ... but jobs online are usually real, I have applied for and gotten every job I've had, it's much easier that writing and sending CVs.
When you are searching for jobs online, why do some say company confidential?
I want to apply for this warehouse job starting at $18.00 an hour, but it says company confidential. Why do I see a lot of job offerings where this is the case?
The company doesn't want to advertise that they are hiring.
Sometimes it is because the person that you'd be replacing doesn't know they are being fired.
It can also help with people just walking in off the street looking for a job they saw advertised.
If the company calls you for an interview, then you'll know who they are and can do some research on them.
The company doesn't want to advertise that they are hiring.
Sometimes it is because the person that you'd be replacing doesn't know they are being fired.
It can also help with people just walking in off the street looking for a job they saw advertised.
If the company calls you for an interview, then you'll know who they are and can do some research on them.
Any federal government employees?
could you help me with this for an AP GOV'T project
you don't have to answer all of them....
you can contact me with the anwers from the contact link on my profile. thank you soo much if you do it'll help a lot
1 what agency do you work for? is this a cabinet department, independent agency, part of the exec. office of the pres. or a gov't corporation
2how did you get the job. what are the requirements?
3 what is your job title. who do you report yo and what are you responsible for
4 what is the most interesting part
5 describe the types of daily tasks.
6 how do you feel about working their
7 do you communicate with congress or special interest groups?
8 has the nature of the job changed with different presidential admin.?
9 has the agency become more efficient over the years?
was your workplace affected by Sept. 11? how?
are you bound by the hatch act?
just some questions to consider...
Bureau of Indian Affairs
Ad in the newspaper. Teaching certificate.
Teacher. Report to the school principal.
Living on the Indian Reservation. You are in America but everyone is speaking a foreign language.
Teaching kids.
It is OK.
No
No
No
No.
Don't know about the Hatch act.
you don't have to answer all of them....
you can contact me with the anwers from the contact link on my profile. thank you soo much if you do it'll help a lot
1 what agency do you work for? is this a cabinet department, independent agency, part of the exec. office of the pres. or a gov't corporation
2how did you get the job. what are the requirements?
3 what is your job title. who do you report yo and what are you responsible for
4 what is the most interesting part
5 describe the types of daily tasks.
6 how do you feel about working their
7 do you communicate with congress or special interest groups?
8 has the nature of the job changed with different presidential admin.?
9 has the agency become more efficient over the years?
was your workplace affected by Sept. 11? how?
are you bound by the hatch act?
just some questions to consider...
Bureau of Indian Affairs
Ad in the newspaper. Teaching certificate.
Teacher. Report to the school principal.
Living on the Indian Reservation. You are in America but everyone is speaking a foreign language.
Teaching kids.
It is OK.
No
No
No
No.
Don't know about the Hatch act.
Who makes more money ?
Would the president of a chain of banks ,
[Bank of America , Scotia Bank ]
make more money,
or
would the president of a chain of Commercial air crafts make more money ?
[Ex. Delta Airlines]
Banking CEO would make more. Banking was more stable. Most airlines never seem to make money in the long term.
BANKS!
U kiddin?!
A Crisis doesn't mean the CEO's of banks are out of money, it just means the employees are screwed.
trust me it's the banks.
Right now I don't think banking is a good pay out for anyone.
check on salaries.com
[Bank of America , Scotia Bank ]
make more money,
or
would the president of a chain of Commercial air crafts make more money ?
[Ex. Delta Airlines]
Banking CEO would make more. Banking was more stable. Most airlines never seem to make money in the long term.
BANKS!
U kiddin?!
A Crisis doesn't mean the CEO's of banks are out of money, it just means the employees are screwed.
trust me it's the banks.
Right now I don't think banking is a good pay out for anyone.
check on salaries.com
How much does a bank Ceo make a year?
and if you would can you tell what is needed to become one?
The typical bank CEO makes a few million per year, with hundreds of millions in stock options. This is what the Government is complaining about now. How can we loan these banks trillions, and watch as the banking boards vote their leaders millions of dollars.
Many, many years of bank involvement is needed, wisdom with new ideas, programs, customer service ideas. Being an incharge type of guy, with a strong attitude, likeable, one who gets the job done, and does not mind working overtime.
The typical bank CEO makes a few million per year, with hundreds of millions in stock options. This is what the Government is complaining about now. How can we loan these banks trillions, and watch as the banking boards vote their leaders millions of dollars.
Many, many years of bank involvement is needed, wisdom with new ideas, programs, customer service ideas. Being an incharge type of guy, with a strong attitude, likeable, one who gets the job done, and does not mind working overtime.
How much power do the main priciples of a company really have?
Particularly in reference to decision-making...
That will always depend on the makeup of the board of directors and the CEO business practices.
That will always depend on the makeup of the board of directors and the CEO business practices.
Is Working Capital Like a Surplus?
Ok so I understand basically what working capital is...I was just wondering, since it's based on current operations if you could say that working capital is kind of the equivalent to a surplus?
So after you pay your current liabilities with current assets, the resulting money is working capital...a surplus to put in the bank, or back into the business, or whatever you choose?
Yes. Working capital is just that. Consider it a reserve fund that allows for unforeseen costs or a source to tap for expansion.
So after you pay your current liabilities with current assets, the resulting money is working capital...a surplus to put in the bank, or back into the business, or whatever you choose?
Yes. Working capital is just that. Consider it a reserve fund that allows for unforeseen costs or a source to tap for expansion.
Whatr is the meaning of success ?
how i can become a successful man?
Success has different meanings...The meaning of success lies in the courage of overcoming your fears and failure and continue doing your work without being disheartened. Always remember, if you have the faith in yourself and if you keep working towards your goals without letting failures affect your self esteem, one day you%26#039;ll reach the stars. And even if you don%26#039;t, at least you%26#039;ll have the satisfaction that you were honest with your efforts.
Once you figure out your personal meaning of success and have a clear understanding of what is important to you, you will see that your dreams are within arm%26#039;s length. You can achieve anything and everything once you are sure of what you want to do and the most vital part of being sure is to have confidence in yourself and what you plan to do. This is only possible once you start loving yourself and your work. Loving yourself is important because if you don%26#039;t love yourself, you%26#039;ll never have the confidence to grow. Loving your work is important because Success is driven by passion. Unless and until you are very passionate about something and crave for it, you will not be able to put your 100% in accomplishing it.
%26quot;Success is a journey, not a destination%26quot;. Its not just the accomplishment of a single goal. It is a continuous process of accomplishments that collectively amount to a major achievement in life. So, go ahead, explore the meaning of success, work sincerely for it and achieve what you always wanted to and you%26#039;ll soon find your name up there in the list of successful people!
c%26quot;,)
TWO WORDS... SUCCESS and ACHIEVEMENT!!!
Achievement: This is a Lil personal stuff. It comes to you when u set some target and achieve it. It always gives you a mental satisfaction. Has got nothing to do with what people say.
Success: - is for the other persons.. U become successful when others start admiring your work and identify your achievements. Hav got nothing to do with what u feel. People should know your achievements for this.
It%26#039;s up to u to decide what u want to be a Successful person or an ACHIEVER??
My personal opinion is to be an ACHIEVER. duniya jaaye tel lene.... kisko padi hai...
U can choose to be whatever u like...
you can become a successful person by doing these things-
you have not to do a difficult work, only do your own work honestly. example- If you are reading, read honestly
remember this.
Success can be defined as a time in life, when you can do anything u want, ur family wants %26amp; ur friends %26amp; relative wants without worrying that what will happen tommrow
Start earning money m dear friend, only money %26amp; power makes a person successful nothing else
SUCCESSFUL MEANS KAMYABI
IN ANY LINE U WANT TO BECAME SUCCESSFUL U SHOULD CONSTRAIT MIND WITH POSITIVE AND TRY.
success is not achieving the a great thing
u will be successful when u reached a place every one of ur family and people are proud of u
Nothing succeeds like success.
learn to kiss ***, and work hard at the same time/
%0D%0A
Success has different meanings...The meaning of success lies in the courage of overcoming your fears and failure and continue doing your work without being disheartened. Always remember, if you have the faith in yourself and if you keep working towards your goals without letting failures affect your self esteem, one day you%26#039;ll reach the stars. And even if you don%26#039;t, at least you%26#039;ll have the satisfaction that you were honest with your efforts.
Once you figure out your personal meaning of success and have a clear understanding of what is important to you, you will see that your dreams are within arm%26#039;s length. You can achieve anything and everything once you are sure of what you want to do and the most vital part of being sure is to have confidence in yourself and what you plan to do. This is only possible once you start loving yourself and your work. Loving yourself is important because if you don%26#039;t love yourself, you%26#039;ll never have the confidence to grow. Loving your work is important because Success is driven by passion. Unless and until you are very passionate about something and crave for it, you will not be able to put your 100% in accomplishing it.
%26quot;Success is a journey, not a destination%26quot;. Its not just the accomplishment of a single goal. It is a continuous process of accomplishments that collectively amount to a major achievement in life. So, go ahead, explore the meaning of success, work sincerely for it and achieve what you always wanted to and you%26#039;ll soon find your name up there in the list of successful people!
c%26quot;,)
TWO WORDS... SUCCESS and ACHIEVEMENT!!!
Achievement: This is a Lil personal stuff. It comes to you when u set some target and achieve it. It always gives you a mental satisfaction. Has got nothing to do with what people say.
Success: - is for the other persons.. U become successful when others start admiring your work and identify your achievements. Hav got nothing to do with what u feel. People should know your achievements for this.
It%26#039;s up to u to decide what u want to be a Successful person or an ACHIEVER??
My personal opinion is to be an ACHIEVER. duniya jaaye tel lene.... kisko padi hai...
U can choose to be whatever u like...
you can become a successful person by doing these things-
you have not to do a difficult work, only do your own work honestly. example- If you are reading, read honestly
remember this.
Success can be defined as a time in life, when you can do anything u want, ur family wants %26amp; ur friends %26amp; relative wants without worrying that what will happen tommrow
Start earning money m dear friend, only money %26amp; power makes a person successful nothing else
SUCCESSFUL MEANS KAMYABI
IN ANY LINE U WANT TO BECAME SUCCESSFUL U SHOULD CONSTRAIT MIND WITH POSITIVE AND TRY.
success is not achieving the a great thing
u will be successful when u reached a place every one of ur family and people are proud of u
Nothing succeeds like success.
learn to kiss ***, and work hard at the same time/
%0D%0A
Can you explain me, What is
What is "Reconciliation" ?
It's to compare one account with another to make sure they match. For example, when you check the balance in your checkbook against the statement you get from the bank at the end of the month to make sure the figures agree, this is reconciling the account.
Hi, reconciliation is comparing records or reports from one section to another or one dept. to another. This is most commonly used with reports which concerns figures(i.e. amount, volume, stock qty. etc.)
It's to compare one account with another to make sure they match. For example, when you check the balance in your checkbook against the statement you get from the bank at the end of the month to make sure the figures agree, this is reconciling the account.
Hi, reconciliation is comparing records or reports from one section to another or one dept. to another. This is most commonly used with reports which concerns figures(i.e. amount, volume, stock qty. etc.)
Do all parcels have a tracking number when sent by Royal Mail?
I sent a parcel by Standard Parcel Post that has not been received. I am now being asked for a tracking number by Paypal as my buyer has escalated a claim against me for non-receipt. I do have the receipt for the parcel.
Hi, no you only get a tracking number for parcels sent recorded post!!
You do have a receipt so copy it and put it on paypal so they can see you HAVE sent it.
You are still kind of insured to get your money back for what the item is worth (but not what you paid for the postage) if you can proove it with a receipt etc.
Best thing to do is get a lost post form from the post office and send it off!
Not unless its recorded no.
Copy the reciept onto your pc and send it them to prove you have sent it. But dont hold your breath about winning the dispute, Paypal are a nightmare, and you can never get through to them on the phone!
Recorded, Registered (special insured) or parcel force 48. The former is low, middle (as much as most need) and the latter to around 150.
C
Hi, no you only get a tracking number for parcels sent recorded post!!
You do have a receipt so copy it and put it on paypal so they can see you HAVE sent it.
You are still kind of insured to get your money back for what the item is worth (but not what you paid for the postage) if you can proove it with a receipt etc.
Best thing to do is get a lost post form from the post office and send it off!
Not unless its recorded no.
Copy the reciept onto your pc and send it them to prove you have sent it. But dont hold your breath about winning the dispute, Paypal are a nightmare, and you can never get through to them on the phone!
Recorded, Registered (special insured) or parcel force 48. The former is low, middle (as much as most need) and the latter to around 150.
C
Can you pay a employee with shares of your company instead of wages?
No. Shares would not include the SSS payments the employer is liable for. Nor would they include the employer contribution to workers comp and unemployment benefits.
Is PacSun really closing?
I've looked at wa whole bunch of sites, and they either say they're closing all stores, or just a lot. But the thing is, most of these posts or sites were updates in '08. The one I just looked at was posted in May and it said they would all be closed by December. Well I have an option of two malls that I can go to when I want, and the PacSun in both of them is still open. And neither of the stores have signs up in the window saying they're gonna close? What's up with that? Are they closing or not?
They are closing 150 "non-core" stores. The whole company isn't closing. They are just getting rid of their under performing stores to save money.
I didn't hear about it, ask the store manager, or the regional manager.
The PacSun near me just closed. Looks like with the economy doing so horribly they could all be going downhill.
They are closing 150 "non-core" stores. The whole company isn't closing. They are just getting rid of their under performing stores to save money.
I didn't hear about it, ask the store manager, or the regional manager.
The PacSun near me just closed. Looks like with the economy doing so horribly they could all be going downhill.
Help with company name...!?
I'm starting my own event management and communications business and need a company name.
Anyone got any ideas? I'd like something modern and punchy if possible! So far I have come up with words like Impress, Inspire, Details etc...
Any contributions?
Thanks! :)
Corporate Business Endeavors
Inspirational Corporate Convergence
Inspiracom
Anyone got any ideas? I'd like something modern and punchy if possible! So far I have come up with words like Impress, Inspire, Details etc...
Any contributions?
Thanks! :)
Corporate Business Endeavors
Inspirational Corporate Convergence
Inspiracom
GM controlled by government?
I understand the ramifications of the government bailouts, and the fact the government is actually part owners of the companies now. However, that is bothering me quite a bit. Historically the government has "bailed out" industries without going in and telling them how to take care of their business.
The fact that Mr. Obama wanted the GM exec to resign is troublesome to me. Maybe this exec is not the right man to heal the company, but is it the president's job to take over? When did we cease to be a democracy and free enterprise? Does anyone else notice the dangers of what just happened?
Our government is piling serious problems on top of serious problems. What needs to be done to solve the issue of government control like this? However, it not government control. It Obama control. That is frightening!
Remember: Obama constantly said he was for "change". Well, he never defined it, and no one asked him.
Now, we get to see what Change means.
My suggestion to you, turn off Rush Limbaugh. President Obama isn't in charge of GM and it's the board of directors who are asking the chairman to step down.
eventualy the govt. will have to step in
The fact that Mr. Obama wanted the GM exec to resign is troublesome to me. Maybe this exec is not the right man to heal the company, but is it the president's job to take over? When did we cease to be a democracy and free enterprise? Does anyone else notice the dangers of what just happened?
Our government is piling serious problems on top of serious problems. What needs to be done to solve the issue of government control like this? However, it not government control. It Obama control. That is frightening!
Remember: Obama constantly said he was for "change". Well, he never defined it, and no one asked him.
Now, we get to see what Change means.
My suggestion to you, turn off Rush Limbaugh. President Obama isn't in charge of GM and it's the board of directors who are asking the chairman to step down.
eventualy the govt. will have to step in
Can you say Hoorah for Obama for zapping the GM CEO?
Now, maybe, he will start zapping some of the horrible banksters. Off with their heads. Go Obama Go! Throw those GD crooks in prison and takback the loot. Enough is enough, we wanna see more and more change, change we can believe it, damn it!
Yes.. great news. and the banks too... off with their heads...
Let's see who else takes tax payer money.. because I think they all make too much.. and like Barney Frank says.. You took our money, effectively we own you now.
Farm subsidies... take over the family farm, their land isn't being put to best use. (Joe Stalin liked this)
Dept of Education... fire teachers, schools are failing, it must be their fault, we gave them tax dollars and kids are stupider than ever.
National Endowment of the Arts... close all museums... I hate that crap, it loses money and its boring.
Welfare Recipients.. we've been giving you money for years and you can't produce ANYTHING... fired. you get NOTHING.
Public Libraries... waste of tax payer money, now that Wikipedia exists.. fail
College Students.. we give you money to study ancient Egyptian art history?? What the hell is that, how do we get our money back.. fail.
Hospitals... billions and still the common cold affects all.. Epic Fail
ACORN.. billions of dollars to organize communities... what exactly does that mean?? Give us back our money..
Listen.. I didn't agree with any bailout. They were all ill advised. but your agent of Hope and Change isn't changing anything with his facade of outrage.
Governments know zip about business.. giving GM a dime proves that.
So who will run GM now. Preferably someone who makes $8 an hour please, we need to save the cash... what does your resume look like?
Are you out of your mind?! First of all what Obama did is unconstitutional, the Constitution of the United States does not give, the Executive Branch of the Government that power. That power if even legal would fall to the Legislative Branch, under Article One, Section 8 the Commerce Clause; that would be a really broad interpretation of their powers.
Now, let me ask you a question. If a company goes to a bank, and borrows money does that bank have the right to fire that CEO?
We are headed toward Communism!
One more thing,
Lincoln said:
"Don't interfere with anything in the Constitution. That must be maintained, for it is the only safeguard of our liberties. And not to Democrats alone do I make this appeal, but to all who love these great and true principles".
and he also said:
"It is not merely for to-day, but for all time to come that we should perpetuate for our children's children this great and free government, which we have enjoyed all our lives".
and last but not least he said:
merica will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves".
President Lincoln, believed in freedom and had a great love for this country, I wonder how he would feel, knowing that the very people he fought and died for, are at the helm of the destruction of the United States.
Yes.. great news. and the banks too... off with their heads...
Let's see who else takes tax payer money.. because I think they all make too much.. and like Barney Frank says.. You took our money, effectively we own you now.
Farm subsidies... take over the family farm, their land isn't being put to best use. (Joe Stalin liked this)
Dept of Education... fire teachers, schools are failing, it must be their fault, we gave them tax dollars and kids are stupider than ever.
National Endowment of the Arts... close all museums... I hate that crap, it loses money and its boring.
Welfare Recipients.. we've been giving you money for years and you can't produce ANYTHING... fired. you get NOTHING.
Public Libraries... waste of tax payer money, now that Wikipedia exists.. fail
College Students.. we give you money to study ancient Egyptian art history?? What the hell is that, how do we get our money back.. fail.
Hospitals... billions and still the common cold affects all.. Epic Fail
ACORN.. billions of dollars to organize communities... what exactly does that mean?? Give us back our money..
Listen.. I didn't agree with any bailout. They were all ill advised. but your agent of Hope and Change isn't changing anything with his facade of outrage.
Governments know zip about business.. giving GM a dime proves that.
So who will run GM now. Preferably someone who makes $8 an hour please, we need to save the cash... what does your resume look like?
Are you out of your mind?! First of all what Obama did is unconstitutional, the Constitution of the United States does not give, the Executive Branch of the Government that power. That power if even legal would fall to the Legislative Branch, under Article One, Section 8 the Commerce Clause; that would be a really broad interpretation of their powers.
Now, let me ask you a question. If a company goes to a bank, and borrows money does that bank have the right to fire that CEO?
We are headed toward Communism!
One more thing,
Lincoln said:
"Don't interfere with anything in the Constitution. That must be maintained, for it is the only safeguard of our liberties. And not to Democrats alone do I make this appeal, but to all who love these great and true principles".
and he also said:
"It is not merely for to-day, but for all time to come that we should perpetuate for our children's children this great and free government, which we have enjoyed all our lives".
and last but not least he said:
merica will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves".
President Lincoln, believed in freedom and had a great love for this country, I wonder how he would feel, knowing that the very people he fought and died for, are at the helm of the destruction of the United States.
Walmart is having meetings to scare employees away from unions in regards to a new bill in Congress?
Employee free choice act (EFCA). Someone at work said that if you sign a union card, then the union can take out dues from your paycheck immediately (before the union is certified?). I don't think this is true. Does anyone know for sure?
No. Unless you a member of the Union, they can not take money out of your paycheck. But if the Union is ratified, they certainly will.
Unions are not an ideal situation. I do not know of a union that deals impartially. It is always about grabbing more for themselves. Is this a good thing when it hurts the company and consequently the employees themselves?
No. Unless you a member of the Union, they can not take money out of your paycheck. But if the Union is ratified, they certainly will.
Unions are not an ideal situation. I do not know of a union that deals impartially. It is always about grabbing more for themselves. Is this a good thing when it hurts the company and consequently the employees themselves?
Actupunture is an acronym for what?
A calculative type under protective unite nonetheless torture undergoes real exhibition
What is the difference between fiscal and monetary policy?
I'm having a little difficulty understanding the two concepts. Any help?
Fiscal policy is the government policy for example stimulus package or financial aid to the banks or tax cuts etc.
Monetary policy is the federal reserve. Currently they have lowered interest rates and are engaged in quantitative easing.
Monetary policy by the Federal reserve has the largest effect on the long term growth of the economy.
Fiscal policy is the government policy for example stimulus package or financial aid to the banks or tax cuts etc.
Monetary policy is the federal reserve. Currently they have lowered interest rates and are engaged in quantitative easing.
Monetary policy by the Federal reserve has the largest effect on the long term growth of the economy.
What is interesting about a Federal Reserve Bank?
I'm going there for a field trip in Chicago but what's so special about it? Before I do though, I need to have some background knowledge. Thanks for your help.
They are not a governmental institution. They are a cartel (they prefer a consortium" of the uber wealthy. It is essentiall a "privitization" of our money to the very rich. All the interest is given to private individuals, instead of to the government, if the government loaned the money. The Fed was formed to keep our economy and money supply stable. Ask why they shouldn't be fired since they failed miserably on both accounts.
They are not a governmental institution. They are a cartel (they prefer a consortium" of the uber wealthy. It is essentiall a "privitization" of our money to the very rich. All the interest is given to private individuals, instead of to the government, if the government loaned the money. The Fed was formed to keep our economy and money supply stable. Ask why they shouldn't be fired since they failed miserably on both accounts.
How can I get my mommeh to take me to Wal Mart?
We ususaly don't go and I don't want her to be all like why do you want to go there all of a sudden? I'm not up to anything
I just want to get a cute necklace my friend has :)
just tell her the truth, that you want to buy a necklace. if that doesn't work, then take the bus if it is accessible. Then if that doesn't work, then go with a friend.
take the bus
I just want to get a cute necklace my friend has :)
just tell her the truth, that you want to buy a necklace. if that doesn't work, then take the bus if it is accessible. Then if that doesn't work, then go with a friend.
take the bus
Shopping on amazon uk?
is amazon safe
is the delivery free
is it fast delivery free
and how much is the p & p if its not free
Yes it's safe, I've been using them for years.
Delivery is now FREE on anything over 5.
Delivery is quick for items in stock and they always e-mail with delivery dates etc.
P P cost varies (if you do have to pay) dependent on size/weight. Amazon 'sellers' do charge p p.
Yes Amazon is safe
If you spend over a fiver it is usually free
You can pay for next day delivery or wait for the free delivery (varies on time)
p&p varies when it is not included in the "super Saver delivery" option
yeah its safe p&p free now they got an offer on dont know until though
is the delivery free
is it fast delivery free
and how much is the p & p if its not free
Yes it's safe, I've been using them for years.
Delivery is now FREE on anything over 5.
Delivery is quick for items in stock and they always e-mail with delivery dates etc.
P P cost varies (if you do have to pay) dependent on size/weight. Amazon 'sellers' do charge p p.
Yes Amazon is safe
If you spend over a fiver it is usually free
You can pay for next day delivery or wait for the free delivery (varies on time)
p&p varies when it is not included in the "super Saver delivery" option
yeah its safe p&p free now they got an offer on dont know until though
I need a co signer who is willing to co sign for me, or know someone who will co sign for me?
No one I know has good enough credit to co sign for me, I really need to get back in school, do any one have any suggestions? Please let me know,.....and I already tried financial aid and my only option now is to take out a private loan, if you know about any loan companies that don't require a co signer or just any suggestions about my situation please let me kno thanks!
I would work a job and save up a little bit of money maybe use a credit card from your bank or credit union with low amount of credit and pay it off on time, to build your credit up wait about 6 months and see if you can get the loan without a cosigner.
I'll co sign for you if you promise to pay your loan, but you have to promise.
I would work a job and save up a little bit of money maybe use a credit card from your bank or credit union with low amount of credit and pay it off on time, to build your credit up wait about 6 months and see if you can get the loan without a cosigner.
I'll co sign for you if you promise to pay your loan, but you have to promise.
Why do we have to keep bailing out the auto industry? Why can
They just seem to be like the proverbial ne'er do well brother-in-law who is always looking for a handout. What is it with them?
We are only bailing out GM, Ford & CVhrysler, and Ford announced it does not need any money.
Honda, Nissan, Toyota, never are even mentioned when it comeds to Bailout money.
It seems only GM and Chrysler oare on life support.
I call it poor management.
First off: Do you own or lease an auto manufactured by Ford, GM or Chrysler?
The fact of the matter is most Americans don't own American cars anymore. Errr...well cars manufactured by American corporations. The foreign car manufacturers began making fuel efficient cars a long time before the gas hike. The American car industry concentrated on the "Soccer Moms" of the U.S. and focused on gas-guzzling SUVs and Trucks. Thus when gas prices climbed to $4/gallon, people rid themselves of the 13 mpg Explorer and traded in for a 35 mpg Prius or Honda.
That's only one of the issues. Cheap parts and ripping off the American customers was another. Poor management within the industry another...the UAW another, etc, etc, etc...
because without the car industry there will be no oil industry and without the oil industry, the monster we call America will collapse causing all the blood and money hungry C.E.O's to go on a killing spree thus causing Armageddon
Do note that Toyota is now on life support from the Japanese government too. All the car makers were hit by sales drying up from the credit crunch.
We are only bailing out GM, Ford & CVhrysler, and Ford announced it does not need any money.
Honda, Nissan, Toyota, never are even mentioned when it comeds to Bailout money.
It seems only GM and Chrysler oare on life support.
I call it poor management.
First off: Do you own or lease an auto manufactured by Ford, GM or Chrysler?
The fact of the matter is most Americans don't own American cars anymore. Errr...well cars manufactured by American corporations. The foreign car manufacturers began making fuel efficient cars a long time before the gas hike. The American car industry concentrated on the "Soccer Moms" of the U.S. and focused on gas-guzzling SUVs and Trucks. Thus when gas prices climbed to $4/gallon, people rid themselves of the 13 mpg Explorer and traded in for a 35 mpg Prius or Honda.
That's only one of the issues. Cheap parts and ripping off the American customers was another. Poor management within the industry another...the UAW another, etc, etc, etc...
because without the car industry there will be no oil industry and without the oil industry, the monster we call America will collapse causing all the blood and money hungry C.E.O's to go on a killing spree thus causing Armageddon
Do note that Toyota is now on life support from the Japanese government too. All the car makers were hit by sales drying up from the credit crunch.
What does the following sentence mean?
"Co-ops are restricted to conducting business with existing members. This limits the number of customers and ultimately, the volume of business transactions."
It means that a cooperative enterprise can only sell to its members. Since the number of members is normally fixed, the business can only grow by selling more to each member. That is not much growth potential.
Co-Ops (a Noun) describes a group of persons who want to LIMIT their buying/selling with other certain types of accepted persons (Could be: group of Churches to buy from only certain businesses or a Co-Op of Police Dept. or any such groups who only want to do business in a limited way. Many Co-ops only buy from certain stores (Costco or Wal-mart) Hope that helps you understand the limits of doing business within a certain scope.
A Co-ops or Cooperative is normally set-up by Students Body (University) or Trade Union for members to purchase their requirement in a cheaper and credit arrangement with score for points earning for exchange of goods, prizes or discount. They bought in bulk puchase price and sell at a lower price than in the general market. Benefits for the members who buy the shares.
It means that a cooperative enterprise can only sell to its members. Since the number of members is normally fixed, the business can only grow by selling more to each member. That is not much growth potential.
Co-Ops (a Noun) describes a group of persons who want to LIMIT their buying/selling with other certain types of accepted persons (Could be: group of Churches to buy from only certain businesses or a Co-Op of Police Dept. or any such groups who only want to do business in a limited way. Many Co-ops only buy from certain stores (Costco or Wal-mart) Hope that helps you understand the limits of doing business within a certain scope.
A Co-ops or Cooperative is normally set-up by Students Body (University) or Trade Union for members to purchase their requirement in a cheaper and credit arrangement with score for points earning for exchange of goods, prizes or discount. They bought in bulk puchase price and sell at a lower price than in the general market. Benefits for the members who buy the shares.
Thursday, March 26, 2009
How do you get around a large gap in employment history due to a mental disability you don
I have been having a hard time getting a web development job, and I suspect that it has to do with the gap in my employment history that is to the extent of thirteen years. This gap is due to schizophrenia, anxiety attacks and seizures that I was put on mental disability for. For the first several years I was on mental disability I went undiagnosed and untreated. After being prescribed the proper medications I spent several years more simply stabilizing. After that I went on to college and am in my senior year with a GPA of 4.0 and a lot of valuable skills I would think any employer would love to see in a potential employee. I have been on many interviews, and the work history issue never really comes up, but I think it is affecting my opportunities. Any suggestions on how to deal with the work history gap now that I am ready to charge from the gates and land a job?
Wow... first off, I commend you on battling that disability head on! And your GPA is fantastic.
I think your difficulties may be in the current job market though. I don't think any employer will look at that degree and GPA and not hire you based on the gap in history. If they do address it during an interview, I would consider being honest with them by saying you were on disability, and you got motivated and turned your life completely around. You don't want to lie about it, you want to turn it into your advantage.
Keep trying and good luck!
Ask if there is concern regarding the gap. Then share, if need be, that the gap was a time where you spent time growing and developing personally. Now you are a person returning to the work force. Keep it light.
You may only want to ask just to get a feel if it really is a problem or not. You could be over worried which would be normal.
...indicate that you were taking care of a catastrophic domestic situation that involved you taking care of your family or loved one for that period of time,.
ahhhhh...You were "out of the country"?
Wow... first off, I commend you on battling that disability head on! And your GPA is fantastic.
I think your difficulties may be in the current job market though. I don't think any employer will look at that degree and GPA and not hire you based on the gap in history. If they do address it during an interview, I would consider being honest with them by saying you were on disability, and you got motivated and turned your life completely around. You don't want to lie about it, you want to turn it into your advantage.
Keep trying and good luck!
Ask if there is concern regarding the gap. Then share, if need be, that the gap was a time where you spent time growing and developing personally. Now you are a person returning to the work force. Keep it light.
You may only want to ask just to get a feel if it really is a problem or not. You could be over worried which would be normal.
...indicate that you were taking care of a catastrophic domestic situation that involved you taking care of your family or loved one for that period of time,.
ahhhhh...You were "out of the country"?
Can married couples have two ROTH IRA and file jointly?
My wife and I have a Roth IRA that I opened several years ago before we got married. This Roth IRA is under my name. Being that you can only contribute $5000 this year for one account; we were thinking about opening another Roth IRA under her name and start contributing up to $5000 and have two Roth IRA where we could double our contributions. We have already filled our taxes this year but if we do this now could we still file our taxes next year as married??
Yes you can do that. Your income limit for a married couple filing jointly is $159,000. So as long as you're under this number, you are fine.
The "I" in IRA stands for individual so you're correct in assuming that you can not have joint accounts. Have her start one and you both can contribute the maximum. Make sure to designate a beneficiary on the accounts should you pass away.
Good luck.
Yes you can do that. Your income limit for a married couple filing jointly is $159,000. So as long as you're under this number, you are fine.
The "I" in IRA stands for individual so you're correct in assuming that you can not have joint accounts. Have her start one and you both can contribute the maximum. Make sure to designate a beneficiary on the accounts should you pass away.
Good luck.
I found a heart on the ground that says AU 925, but it looks nothing like gold. What is it?
Silver is usually measured by weight being 92.5% silver and 7.9% other metals.
Does it look like silver?
AU usually means the silver is from Australia.
Usually sterling silver is 925, but don%26#039;t know about AU.v
AU is the symbol for Gold in the Periodic Table. So the heart has some gold in it..
is it from Australia possibly? (AU)
Sterling Silver, most likely.
EW
%0D%0A
Does it look like silver?
AU usually means the silver is from Australia.
Usually sterling silver is 925, but don%26#039;t know about AU.v
AU is the symbol for Gold in the Periodic Table. So the heart has some gold in it..
is it from Australia possibly? (AU)
Sterling Silver, most likely.
EW
%0D%0A
Where does money go once it
it goes back to the bank if it doesnt it eventualy goes back to the back where they inspect for fraud n stuff like that and get rid of old bills that are torn or wore out the way it goes back to the bank is by deposits people have to make deposits in order to have funds in the back n thats how they get a checking acount.... study business n management u will understand
From a person hand to another person hand then to the Bank. It always end up in a bank one way of another though deposits anyway Take Care and God Bless
It goes to other people's pocket and the cycle goes on o_O
I spent al my money in the hole of prostitute. it is very sweet but my money?...........................
From a person hand to another person hand then to the Bank. It always end up in a bank one way of another though deposits anyway Take Care and God Bless
It goes to other people's pocket and the cycle goes on o_O
I spent al my money in the hole of prostitute. it is very sweet but my money?...........................
Legal position with lending stepladders?
Hello this is somewhat random question but I wonder if anyone would know the legal implications of lending a friend some stepladders.
I thought for a long time if someone has an accident on your property whilst using your ladders they could sue you. What about if you loaned them out and they fell off them?
I wasnt sure if it was as simple as falling off and being liable or falling off due to a defective which was not made aware to them at the time of lending.
Any feedback appreciated but not expected in this case hehe :)
The onus is on the Ledee, to ensure it's safe for him to use and is used as intended by the manufacturer and good practice.
Onus is on the Lender, not to lend an unsafe ladder.
For example, say you weigh 10 stone and the ladder is safe and good for you to use. Your lendee (neighbour) may weigh 20 stone. He may wish to use the ladder unsafely or at an unsafe angle. That decison is his, not yours, so you cannot be held responsible for his acts.
Hi
First it would be civil; second the steps should be fit for purpose and in a condition you would use yourself. Any fall etc would need to conclusively prove that the steps were the root cause. Unless they were, you have little to be concerned about.
Curtis
If the other party fell off due to your own negligence (ie you didn't tighten one of the screws or something) then they would have a case. Not sure if it would win though.
I thought for a long time if someone has an accident on your property whilst using your ladders they could sue you. What about if you loaned them out and they fell off them?
I wasnt sure if it was as simple as falling off and being liable or falling off due to a defective which was not made aware to them at the time of lending.
Any feedback appreciated but not expected in this case hehe :)
The onus is on the Ledee, to ensure it's safe for him to use and is used as intended by the manufacturer and good practice.
Onus is on the Lender, not to lend an unsafe ladder.
For example, say you weigh 10 stone and the ladder is safe and good for you to use. Your lendee (neighbour) may weigh 20 stone. He may wish to use the ladder unsafely or at an unsafe angle. That decison is his, not yours, so you cannot be held responsible for his acts.
Hi
First it would be civil; second the steps should be fit for purpose and in a condition you would use yourself. Any fall etc would need to conclusively prove that the steps were the root cause. Unless they were, you have little to be concerned about.
Curtis
If the other party fell off due to your own negligence (ie you didn't tighten one of the screws or something) then they would have a case. Not sure if it would win though.
What do you think about the IRS crackdown on offshore bank accounts....?
do you think Americans should be able to "hide" money....
I looked into it back when I had money but, they watched everything very closely. I wasn't hiding money. We were looking a a charter for some insurance company. It wasn't worth the trouble..
Is Belle still hanging out with her Friend? I know that you are having a blast with her. I bet she is a little different in her "home" environment. My hat is off to you for thinking of the trip. A GREAT idea...
Be safe..
Most Americans don't have money to hide but the cheats, etc,etc do, some well know names should start popin up
It is a good thing that they are cracking down on cheats.
Some try some get caught
I looked into it back when I had money but, they watched everything very closely. I wasn't hiding money. We were looking a a charter for some insurance company. It wasn't worth the trouble..
Is Belle still hanging out with her Friend? I know that you are having a blast with her. I bet she is a little different in her "home" environment. My hat is off to you for thinking of the trip. A GREAT idea...
Be safe..
Most Americans don't have money to hide but the cheats, etc,etc do, some well know names should start popin up
It is a good thing that they are cracking down on cheats.
Some try some get caught
If two single and mature adults have sex, but they work?
for the same firm... he is 37 and she's 34... would you sack them both?
it's not of your business
Noooo!!!! It really annoys me that some bosses would actually sack people over this. As long as it doesn't cause problems in the workplace & they are still good at their jobs I don't see that it should make a difference.
As you say, they are both single & mature....wish this kind of thing wasn't such a problem :(
what they do outside of work should have no bearing on work - however , when they break up badly in the future, it could cause problems, depending on if they have to actually work with each other - issues of sexual harassment are possible if the jilted one bothers the other one, etc
you know, this is a great insurance question.
no. my grandfather, my father, and i met all of our respective spouses at the same firm.
If I'm their employer, how in the world would I know that they had sex? Unless they did it at work - if so, then yes, I would sack them both.
If there is a company policy, what else would you expect to happen???
IF not, and they are not directly working w/each other, then no.
No why as long as it didn't interfere with the work that they do. Many couples meet at work, and start off with having sex!
only if it was getting in the way of their work...
or if they were doing it at work... i would sack them on the spot if i caught them at it
*snigger*
As long as they keep their personal lives separate from work, it's ok.
NO!!! Whats so wrong about having sex, gods sake!
as long at it is not in work time or on work property it's their own business
Try for the 3-way!
it's not of your business
Noooo!!!! It really annoys me that some bosses would actually sack people over this. As long as it doesn't cause problems in the workplace & they are still good at their jobs I don't see that it should make a difference.
As you say, they are both single & mature....wish this kind of thing wasn't such a problem :(
what they do outside of work should have no bearing on work - however , when they break up badly in the future, it could cause problems, depending on if they have to actually work with each other - issues of sexual harassment are possible if the jilted one bothers the other one, etc
you know, this is a great insurance question.
no. my grandfather, my father, and i met all of our respective spouses at the same firm.
If I'm their employer, how in the world would I know that they had sex? Unless they did it at work - if so, then yes, I would sack them both.
If there is a company policy, what else would you expect to happen???
IF not, and they are not directly working w/each other, then no.
No why as long as it didn't interfere with the work that they do. Many couples meet at work, and start off with having sex!
only if it was getting in the way of their work...
or if they were doing it at work... i would sack them on the spot if i caught them at it
*snigger*
As long as they keep their personal lives separate from work, it's ok.
NO!!! Whats so wrong about having sex, gods sake!
as long at it is not in work time or on work property it's their own business
Try for the 3-way!
New York State Taxes - Full refund of withholdings does that sound right?
Hello,
My husband is still pays NY state taxes (he's military) and i'm a WA state resident, so i don't. we filed a joint tax return this year for 2008, and also 2007 because he didn't do it last year.
We're getting all the money that was withheld for state taxes, and I can't get ahold of HR block people, long story.
Does that sound right? We're getting a lot back, almost as much as our federal refund for each year, and more put together for the two years.
Anyone else have experience with NY state taxes?
no idea sry
First, in the future, do not use "people" whom you "can't get ahold of" to do your taxes.
Second, if he is a NY resident (even if stationed elsewhere by the military), then NY should be keeping the NY tax on what he earned (plus the NY tax on anything you earned in NY) and refunding only the difference.
If you did not work in New York State AND he was not a legal resident of NY (even if he was stationed there by the military), then you should be receiving a full refund of NY income taxes withheld.
Call this number and ask them. Good luck
1 (800) 225 5829 or go to www.nystax.gov
My husband is still pays NY state taxes (he's military) and i'm a WA state resident, so i don't. we filed a joint tax return this year for 2008, and also 2007 because he didn't do it last year.
We're getting all the money that was withheld for state taxes, and I can't get ahold of HR block people, long story.
Does that sound right? We're getting a lot back, almost as much as our federal refund for each year, and more put together for the two years.
Anyone else have experience with NY state taxes?
no idea sry
First, in the future, do not use "people" whom you "can't get ahold of" to do your taxes.
Second, if he is a NY resident (even if stationed elsewhere by the military), then NY should be keeping the NY tax on what he earned (plus the NY tax on anything you earned in NY) and refunding only the difference.
If you did not work in New York State AND he was not a legal resident of NY (even if he was stationed there by the military), then you should be receiving a full refund of NY income taxes withheld.
Call this number and ask them. Good luck
1 (800) 225 5829 or go to www.nystax.gov
Do you find that the workplace is similar to what you experienced at school ?
whether it was in high school, college etc
The better the job, the less it is. When you work with other educated people, there tends to be so much less of that childish picking at others, bickering behind people's backs, jealousy, cliques, etc. Part of it is human nature, but I wouldn't want to go back to high school. Once you've been through it, everything else is a breeze ;)
For me, personally no. I was teased at school but now at work people respect me and treat me equally.
I work for a Multinational company, I feel sometimes it is worse than what it was in school...
The better the job, the less it is. When you work with other educated people, there tends to be so much less of that childish picking at others, bickering behind people's backs, jealousy, cliques, etc. Part of it is human nature, but I wouldn't want to go back to high school. Once you've been through it, everything else is a breeze ;)
For me, personally no. I was teased at school but now at work people respect me and treat me equally.
I work for a Multinational company, I feel sometimes it is worse than what it was in school...
How can I buy a foreclosure?
I have a trust fund worth $60,000 that i get when im 18, and im set on buying a foreclosed home or apartment, but what is the best way i can go about doing this? im planning on paying in full, but will i be taken seriously because im only 18?
definitely contact a realtor... and if you dont want to go about paying one... then the best bet i can also tell you is look in your local paper...watch for forclosure listings..go look at the property..since the downside of buying a forclosed property w/o a realtor is that you cant look around the inside of the house before you purchase... most the ones in the paper are sold AS IS... you can drive by and see the outside.. but when the auction starts and you buy..its sold however you bought it. One more problem on your hands is that most realtors scoop up forclosed properties for themselves..they buy it through the company... mark it up and sell it for twice what they paid..they might pay $100,000 for a $500,000 home.. then sell it back for $500,000. A Realtor once told me they do this because the companies get the foreclosure list WELL BEFORE.. the public ever sees it..so they usually get the properties.. thats why you see A TON.. of homes sold by a popular real estate group
find a realtor an go hunting in your price range. Since paying cash you will not need a mortgage
definitely contact a realtor... and if you dont want to go about paying one... then the best bet i can also tell you is look in your local paper...watch for forclosure listings..go look at the property..since the downside of buying a forclosed property w/o a realtor is that you cant look around the inside of the house before you purchase... most the ones in the paper are sold AS IS... you can drive by and see the outside.. but when the auction starts and you buy..its sold however you bought it. One more problem on your hands is that most realtors scoop up forclosed properties for themselves..they buy it through the company... mark it up and sell it for twice what they paid..they might pay $100,000 for a $500,000 home.. then sell it back for $500,000. A Realtor once told me they do this because the companies get the foreclosure list WELL BEFORE.. the public ever sees it..so they usually get the properties.. thats why you see A TON.. of homes sold by a popular real estate group
find a realtor an go hunting in your price range. Since paying cash you will not need a mortgage
Employment...Lack of?
I was sacked from my job as a bus driver at the start of February. Previous to that I worked in an office for 7 years, first as a Data Entry Clerk then promoted to a GPP Pensions Administrator. Ive been looking for a new job and applied for about 20 in the 6 weeks and but to no avail. I think its because I left office work for the year and a half to be a bus driver as it was basically double my salary. Im now finding this totally depressing I cant get work and Im sick of being total skint. Anyone have any advice on how I can get a job?! I dont want anything special, just a basic 9 till 5 in an office?! HELP ANYONE!
You seem to have done what you can. That is all you can do at the moment because it is so quiet out there.
I am due to be out of work next week as my office closed and although I have a Masters degree, over 10 years experience and have held senior posts, I too are finding it hard. This time last year, in my profession, just as long as you had a pulse you were hired. I do have 3 interviews to come but as most people say, you are in serious competition with others.
Good luck, keep trying eventually you will get something even if it is not want you want to do right now, it will do just as long as you ride out the storm when the economy finally picks up.
You're probably sick of hearing about it but it's really tough for everyone right now so don't take your lack of employment personally. I was made redundant and I can't get a thing either despite having all sorts of experience. I'm pregnant too so I could bet my life savings I won't get a job before Baby arrives.
Good luck. It's horrible to be out of work.
PS Can I ask why you were sacked? Was it a fair dismissal?
I totally understand where you are coming from there- I was made redundant from my last post in June of last year, it took me until October to find work, and although still in my current job, I might lose it sooner rather than later and this time I might not be as lucky to get another.
Its the way things are sweetheart-you and a million others, just hang in there something will come
Unfortunately there are now 10 applicants for every job, and it is going to get (a lot) worse.
As an employer the first problem I see is you were sacked. That is a black mark, whatever your reason/excuse. So I would now be looking at the other 9 people. Employers also have BIG problems at present just keeping going so employing a possible problem person is a big NO NO!
Mate, it's people like you who deserve all the help that's available. Have you tried the recruitment agency websites? The largest is www.reed.co.uk. I wish you the best of luck and hope you find something soon.
You will have to take your turn in the queue of 2.4 million other unemployed
have a look at council jobs or government jobs.
I doubt it has anything to do with you being a bus driver. It's the times. So many people are having trouble finding work. I'm a Graphic Designer and at my job we build help wanted ads for more many many cities employment news papers. They have cut all of our hours down because so many cities and states just are not hiring near as much. It's very very scary. It's not you, it's the economy and recession. Hang in there and keep your chin up. Possibly try a temp agency. I wish I could give you more advice, but since my hrs were cut to half, I have been viciously job searching as well and NOTHING, just NOTHING
You seem to have done what you can. That is all you can do at the moment because it is so quiet out there.
I am due to be out of work next week as my office closed and although I have a Masters degree, over 10 years experience and have held senior posts, I too are finding it hard. This time last year, in my profession, just as long as you had a pulse you were hired. I do have 3 interviews to come but as most people say, you are in serious competition with others.
Good luck, keep trying eventually you will get something even if it is not want you want to do right now, it will do just as long as you ride out the storm when the economy finally picks up.
You're probably sick of hearing about it but it's really tough for everyone right now so don't take your lack of employment personally. I was made redundant and I can't get a thing either despite having all sorts of experience. I'm pregnant too so I could bet my life savings I won't get a job before Baby arrives.
Good luck. It's horrible to be out of work.
PS Can I ask why you were sacked? Was it a fair dismissal?
I totally understand where you are coming from there- I was made redundant from my last post in June of last year, it took me until October to find work, and although still in my current job, I might lose it sooner rather than later and this time I might not be as lucky to get another.
Its the way things are sweetheart-you and a million others, just hang in there something will come
Unfortunately there are now 10 applicants for every job, and it is going to get (a lot) worse.
As an employer the first problem I see is you were sacked. That is a black mark, whatever your reason/excuse. So I would now be looking at the other 9 people. Employers also have BIG problems at present just keeping going so employing a possible problem person is a big NO NO!
Mate, it's people like you who deserve all the help that's available. Have you tried the recruitment agency websites? The largest is www.reed.co.uk. I wish you the best of luck and hope you find something soon.
You will have to take your turn in the queue of 2.4 million other unemployed
have a look at council jobs or government jobs.
I doubt it has anything to do with you being a bus driver. It's the times. So many people are having trouble finding work. I'm a Graphic Designer and at my job we build help wanted ads for more many many cities employment news papers. They have cut all of our hours down because so many cities and states just are not hiring near as much. It's very very scary. It's not you, it's the economy and recession. Hang in there and keep your chin up. Possibly try a temp agency. I wish I could give you more advice, but since my hrs were cut to half, I have been viciously job searching as well and NOTHING, just NOTHING
What exactly does this mean?
%26quot;Your account is only eligible for a maximum of three payment arrangements with interest rate reduction and/or no fees during the lifetime of the account.
Please also be advised that we will report your account as closed to the credit bureau.
It is important that you do not break or cancel your payment arrangement as you may not be eligible for an additional arrangement.
This payment program temporarily reduces the annual percentage rate (APR) and monthly payment on your account.
If your account was open prior to the start of this arrangement, it will be closed and will remain closed after the end of the arrangement.
The original cardmember terms will be reinstated upon completion of the program. The default APR will be reinstated if a payment does not post to the account as agreed (see your statement for details on your APR).
If you are currently enrolled in credit insurance or debt protection, it will be cancelled.
If two agreed upon payments are missed, the arrangement will be terminated.
Additional payments may be required at the end of the arrangement to bring your account current and under the credit line.%26quot;
I%26#039;m trying to set up a payment arrangement to attempt to get a credit card that%26#039;s past due and over the limit back on the right track. Will this hurt my credit score severely?
Per your update, if you read this arrangement it states:
%26quot;If your account was open prior to the start of this arrangement, it will be closed and will remain closed after the end of the arrangement.%26quot;
-----------------------
By accepting this arrangement they will be closing your account.
Your credit has already been seriously damaged at this point by being past due and the fact that the card has been closed by your credit card company.
I%26#039;d ask your creditor the following: has this card been charged-off as bad debt? It%26#039;s important to know if they%26#039;ve taken this step. If they have, then you need to realize that the damage to your credit has already been done there is no undoing it. If the account has been charged-off, then focus on negotiating a settlement like 50%.
If it%26#039;s not been charged-off, then try to not let this happen as it really hurts your credit and there is no undoing the damage when this happens. If your financial situation does not improve, then contact your local Red Cross for a referral to the local Consumer Credit Counseling Services (CCCS) in your area. They can negotiate much lower payments and interest rates. Good luck!
CatDad is correct.
The payment arrangement is a good step to take. Once you have completed the terms, your card may be re-opened.
They will also change the report on your credit from Closed/Charged-off back to Pays as Agreed, though the past due noticed will still show.
%0D%0A
Please also be advised that we will report your account as closed to the credit bureau.
It is important that you do not break or cancel your payment arrangement as you may not be eligible for an additional arrangement.
This payment program temporarily reduces the annual percentage rate (APR) and monthly payment on your account.
If your account was open prior to the start of this arrangement, it will be closed and will remain closed after the end of the arrangement.
The original cardmember terms will be reinstated upon completion of the program. The default APR will be reinstated if a payment does not post to the account as agreed (see your statement for details on your APR).
If you are currently enrolled in credit insurance or debt protection, it will be cancelled.
If two agreed upon payments are missed, the arrangement will be terminated.
Additional payments may be required at the end of the arrangement to bring your account current and under the credit line.%26quot;
I%26#039;m trying to set up a payment arrangement to attempt to get a credit card that%26#039;s past due and over the limit back on the right track. Will this hurt my credit score severely?
Per your update, if you read this arrangement it states:
%26quot;If your account was open prior to the start of this arrangement, it will be closed and will remain closed after the end of the arrangement.%26quot;
-----------------------
By accepting this arrangement they will be closing your account.
Your credit has already been seriously damaged at this point by being past due and the fact that the card has been closed by your credit card company.
I%26#039;d ask your creditor the following: has this card been charged-off as bad debt? It%26#039;s important to know if they%26#039;ve taken this step. If they have, then you need to realize that the damage to your credit has already been done there is no undoing it. If the account has been charged-off, then focus on negotiating a settlement like 50%.
If it%26#039;s not been charged-off, then try to not let this happen as it really hurts your credit and there is no undoing the damage when this happens. If your financial situation does not improve, then contact your local Red Cross for a referral to the local Consumer Credit Counseling Services (CCCS) in your area. They can negotiate much lower payments and interest rates. Good luck!
CatDad is correct.
The payment arrangement is a good step to take. Once you have completed the terms, your card may be re-opened.
They will also change the report on your credit from Closed/Charged-off back to Pays as Agreed, though the past due noticed will still show.
%0D%0A
Help me out please 10pts best answer. BUILDING UP CREDIT..?
Ok so I am 20 years old, I have asked so many people around me how i can build up my credit since i have NONE and i nothing really helps. I%26#039;ve tried getting credit cards and all that but none of them approve me because I have insufficient credit history. so I ask myself how am I ever going to build up credit if they wont give me something to start it out with!? I already have my cellphone under my name but what are some other things that I can do do build my credit up? I do have a bank account and a full time job for over a year. What more can I do?
I have a daughter also, if that will make any difference.
i actually started my credit by opening a SMALL jewelry loan - i got $200 worth of jewelry and opened a line of credit. Pay ON TIME more than the minimum every month and then once paid off add a little more
Paying any bills in your name builds credit history.
Apply for a card with your bank whereby you give them a few hundred dollars that is placed on said card. You make purchases, and pay the balance, the starting money is simply used as collateral. After some history is built, they will give you a real card.
cell phones do not report. The best way is a secured card that is where you deposit cash into an account with the bank and they give you a card to that credit limit. Pay on time all the time and you will in about 6 months get offers for more. Never abuse the system. Keep balances well below 25% of the credit limit and your scores will go up over time
Try applying for a store card like Sears or Penny%26#039;s. Or a gas company card. That%26#039;d be a start.
If you open an account with Edward Jones Investments (you should be planning for retirement anyway) then you could get a Mastercard through them.
some banks offer what that call starter credit cards. they have a low limit, and usually a high interest rate. They are designed for people like you who needs to build their credit and have little credit history. Check that out.
I would stop applying for credit everywhere - that will make your credit worse. Go to your bank and explain your situation and ask them if they have a secured credit card that they can offer you or know of someone that does. Go for big names when doing secured. Don%26#039;t apply for these secured cards where your money is actually a service fee and not protected in an account and later given back to you after you prove to be a good risk. Once you get the card make small purchases that you have the money for and send it in when the bill comes. Do this for about two years and you will be unsecured and on your way to building your credit. With our economy so bad right now you may have a hard time initially. Good Luck!!!
Your credit score is based on your credit payment history. The best way to build good credit is to consistently pay any loan or credit card bills you may have on time. Of course, without a credit score, you may have difficulty getting approval for your first loan or credit card. But there are several ways to establish creditworthiness without having a credit history.
- Your first step should be to pay all your bills on time. That includes not just credit bills but also your rent as well as phone, cable and utility bills. (If your landlord doesn%26#039;t report and you want him/her too, in order to add to your credit, you can request that they do)
-Your second step could be to seek retail credit, which is often easier to obtain (albeit at higher interest rates) than a national credit card. Or you might obtain a secured credit card, which involves depositing a certain amount of money into a savings account or CD, for example $500, as a reserve to guarantee repayment of your credit limit on the card.
- Do not, however, try for the largest possible loan or credit card balance in order to make your credit score more impressive. Creditworthiness is a relative concept: it partially based on your debt-to-income ratio. It not simply the size of your obligation that counts but also your repayment capacity.
Also, be sure to check your credit report once a year at www.annualcreditreport.com ( the only truly free site as it is federally mandated that you are able to view your score at this site, do NOT go to www.freecreditreport.com). You want to keep tabs on your credit report and make sure that no damaging errors pop up.
And congratulations on taking the right steps to establish credit for you and your family. Setting yourself up for financial stability is one of the greatest gifts you can give yourself and your daughter.
The cell phone plan is not going in your credit.
It only affects your credit if you don%26#039;t pay for over 30 days.
When I was 18 I got 2 credit cards.
One for gas, and one for food.
I paid in full each month, without ever paying a penny interest.
In a couple of years, I found myself with top 800+ scores.
I read that if you pay your bill in full, you can achieve top credit.
I never made any other loans, or paid anyone interest.
Keep trying.
Go to your bank and ask them for a credit card.
You are an established memeber, and after having a checking for 6 months in good standing, you should have no problem.
If that fails try store cards.
Kohl%26#039;s, jcpenny, sears, Target - easy to get.
Also try gasoline cards, and go to bankrate.com and find a card with cash back rewards.
You might hear about secured cards, you don%26#039;t need them.
Just keep trying store cards.
Your credit will take a slight ding from applying
Ex: 20 applications / year will reduce your score 10%
but that is really not that much.
All your applications that are in a 6 week period will be grouped as one.
This is done to help people compare mortgage rates and car loan rates.
/
%0D%0A
I have a daughter also, if that will make any difference.
i actually started my credit by opening a SMALL jewelry loan - i got $200 worth of jewelry and opened a line of credit. Pay ON TIME more than the minimum every month and then once paid off add a little more
Paying any bills in your name builds credit history.
Apply for a card with your bank whereby you give them a few hundred dollars that is placed on said card. You make purchases, and pay the balance, the starting money is simply used as collateral. After some history is built, they will give you a real card.
cell phones do not report. The best way is a secured card that is where you deposit cash into an account with the bank and they give you a card to that credit limit. Pay on time all the time and you will in about 6 months get offers for more. Never abuse the system. Keep balances well below 25% of the credit limit and your scores will go up over time
Try applying for a store card like Sears or Penny%26#039;s. Or a gas company card. That%26#039;d be a start.
If you open an account with Edward Jones Investments (you should be planning for retirement anyway) then you could get a Mastercard through them.
some banks offer what that call starter credit cards. they have a low limit, and usually a high interest rate. They are designed for people like you who needs to build their credit and have little credit history. Check that out.
I would stop applying for credit everywhere - that will make your credit worse. Go to your bank and explain your situation and ask them if they have a secured credit card that they can offer you or know of someone that does. Go for big names when doing secured. Don%26#039;t apply for these secured cards where your money is actually a service fee and not protected in an account and later given back to you after you prove to be a good risk. Once you get the card make small purchases that you have the money for and send it in when the bill comes. Do this for about two years and you will be unsecured and on your way to building your credit. With our economy so bad right now you may have a hard time initially. Good Luck!!!
Your credit score is based on your credit payment history. The best way to build good credit is to consistently pay any loan or credit card bills you may have on time. Of course, without a credit score, you may have difficulty getting approval for your first loan or credit card. But there are several ways to establish creditworthiness without having a credit history.
- Your first step should be to pay all your bills on time. That includes not just credit bills but also your rent as well as phone, cable and utility bills. (If your landlord doesn%26#039;t report and you want him/her too, in order to add to your credit, you can request that they do)
-Your second step could be to seek retail credit, which is often easier to obtain (albeit at higher interest rates) than a national credit card. Or you might obtain a secured credit card, which involves depositing a certain amount of money into a savings account or CD, for example $500, as a reserve to guarantee repayment of your credit limit on the card.
- Do not, however, try for the largest possible loan or credit card balance in order to make your credit score more impressive. Creditworthiness is a relative concept: it partially based on your debt-to-income ratio. It not simply the size of your obligation that counts but also your repayment capacity.
Also, be sure to check your credit report once a year at www.annualcreditreport.com ( the only truly free site as it is federally mandated that you are able to view your score at this site, do NOT go to www.freecreditreport.com). You want to keep tabs on your credit report and make sure that no damaging errors pop up.
And congratulations on taking the right steps to establish credit for you and your family. Setting yourself up for financial stability is one of the greatest gifts you can give yourself and your daughter.
The cell phone plan is not going in your credit.
It only affects your credit if you don%26#039;t pay for over 30 days.
When I was 18 I got 2 credit cards.
One for gas, and one for food.
I paid in full each month, without ever paying a penny interest.
In a couple of years, I found myself with top 800+ scores.
I read that if you pay your bill in full, you can achieve top credit.
I never made any other loans, or paid anyone interest.
Keep trying.
Go to your bank and ask them for a credit card.
You are an established memeber, and after having a checking for 6 months in good standing, you should have no problem.
If that fails try store cards.
Kohl%26#039;s, jcpenny, sears, Target - easy to get.
Also try gasoline cards, and go to bankrate.com and find a card with cash back rewards.
You might hear about secured cards, you don%26#039;t need them.
Just keep trying store cards.
Your credit will take a slight ding from applying
Ex: 20 applications / year will reduce your score 10%
but that is really not that much.
All your applications that are in a 6 week period will be grouped as one.
This is done to help people compare mortgage rates and car loan rates.
/
%0D%0A
Who is responsible for a business debt that was personally guaranteed by two people but one is out of company?
I understand the legal part of this but I would appreciate advice on principle. My business partner and I received business loan from a bank that we personally guaranteed. We used 95% of the funds before I bought out my partner%26#039;s share of the company and became the sole owner of the company. Last year, we had a meltdown with several factors coming down all at once. The company went down along with it. My business partner knew the company was shaky just before I bougth him out but I wanted to give it another run at it before giving up. Late last year, I finally had to begin liquidating. I know we are both responsible for the debt legally but based on the fact that I did not spend 95% of the loan on my own and that we both knew business was not in good shape, should the ex-business partner be right to get angry with me now that banks are calling us?
Usually he would receive a %26quot;release%26quot; from his loan obligation when you bought him out. If he forgot to ask for a release, he is still 100% obligated. There is no uncertainty. He owes the money. Both legally and morally. He can not stick you with his share now..
%0D%0A
Usually he would receive a %26quot;release%26quot; from his loan obligation when you bought him out. If he forgot to ask for a release, he is still 100% obligated. There is no uncertainty. He owes the money. Both legally and morally. He can not stick you with his share now..
%0D%0A
Why should I invest in multiple market index funds?
Let me say at the outset that I am no stock trader and I am only an investor for the long term (over 1 year). After reviewing the results of the various market index funds (dow, s%26amp;p 500, nasdaq, etc.) and seeing that the movement of each one mirrors the other, why wouldn%26#039;t I just invest in one rather than a variety of them? Sure they may be slightly off of each other but basically the same general movement up or down. It doesn%26#039;t seem that diversification is as important when investing in the overall market as it is when investing in a portfollio of individual stocks. Am I missing something here?
You are basically correct. Invest in a single US stock index fund. If you invest enough, the fund may lower its expense charges. I like the Vanguard total stock market index fund. VTSAX
Then you can add some index funds for other countries (Europe or Emerging Markets) or perhaps in a specific sector (REIT or Energy, etc).
If you buy alot of different stocks and are well diversified then it should act like a index fund for the overall market.
Note that the nasdaq is heavy on tech companies so it typically goes up / down more than the S%26amp;P500 for example. The S%26amp;P500 has something like 70% of the entire US stock market cap so it is a pretty good representation of the overall US stock market except for small cap compnies.
Each investment company%26#039;s index fund contains a different mix/percentage of the various types of stocks, which would affect how that fund reacts to the market%26#039;s ups and downs. If an index fund was heavy in financial stocks, it would be more likely to tank right now.
Personally, I have Fidelity%26#039;s OTC Index Fund and it has done quite well when compared to what the OTC itself is doing and how other OTC index funds have performed. It is not losing as much as some of the other OTC index funds and actually rises on some days when the OTC itself has tanked. So, you want to know how the index fund is weighted.
No, you%26#039;re absolutely right.
For a long term investor who doesn%26#039;t want to look at stocks every minute of the day like I do, I%26#039;d recommend buying about 5-10 blue chip dividend paying stocks in companies that profit year after year no matter what the market does to their price in the short-term. Coca Cola and Pfizer are good examples.
Alternatively a managed fund with large cap (blue chip) stocks would also be good.
Not all stocks pay dividends.
I would not invest in jack s**t right now.
%0D%0A
You are basically correct. Invest in a single US stock index fund. If you invest enough, the fund may lower its expense charges. I like the Vanguard total stock market index fund. VTSAX
Then you can add some index funds for other countries (Europe or Emerging Markets) or perhaps in a specific sector (REIT or Energy, etc).
If you buy alot of different stocks and are well diversified then it should act like a index fund for the overall market.
Note that the nasdaq is heavy on tech companies so it typically goes up / down more than the S%26amp;P500 for example. The S%26amp;P500 has something like 70% of the entire US stock market cap so it is a pretty good representation of the overall US stock market except for small cap compnies.
Each investment company%26#039;s index fund contains a different mix/percentage of the various types of stocks, which would affect how that fund reacts to the market%26#039;s ups and downs. If an index fund was heavy in financial stocks, it would be more likely to tank right now.
Personally, I have Fidelity%26#039;s OTC Index Fund and it has done quite well when compared to what the OTC itself is doing and how other OTC index funds have performed. It is not losing as much as some of the other OTC index funds and actually rises on some days when the OTC itself has tanked. So, you want to know how the index fund is weighted.
No, you%26#039;re absolutely right.
For a long term investor who doesn%26#039;t want to look at stocks every minute of the day like I do, I%26#039;d recommend buying about 5-10 blue chip dividend paying stocks in companies that profit year after year no matter what the market does to their price in the short-term. Coca Cola and Pfizer are good examples.
Alternatively a managed fund with large cap (blue chip) stocks would also be good.
Not all stocks pay dividends.
I would not invest in jack s**t right now.
%0D%0A
How long before we get our tax return? Please help!!!?
My husband and I got our taxes done at Jackson Hewitt on 3/24. We gave them a savings account number to have the check deposited into but we accidentally gave them a number to our old (closed) account. We closed it last year. The banks says its still closed. So, when the IRS gets the check back, they will send it to us in the mail. About when can we expect to get our check in the mail?
Thanks
Add 3-4 weeks for the deposit to fully boomerang.
Thanks
Add 3-4 weeks for the deposit to fully boomerang.
Can I refinance my new construction condo if we haven
First Question:
I%26#039;ve lived at my Washington state condo for a year and a half, which was a new construction at the time I closed. Anyhow, I presently have a conventional 30 year fixed loan at 6.625% and would like to refinance at the lower mortgage rates.
I%26#039;m told that because we haven%26#039;t been incorporated - there%26#039;s no homeowner%26#039;s association since there are still some units for sale - that it will prevent me from being able to refi. Is this statement correct.
We (building occupants) are planning to go through the Articles of Incorporation within the next 3 or 4 months and I%26#039;m concerned I%26#039;ll miss the opportunity to refi at these all time low interest rates.
With property values significantly decreasing especially in my city, will this also affect the loan interest rate aside that I have phenomenal credit overall. Anyhow, I put half down on my property in fall of 2007, yet the value of identical units like mine are currently selling for 30% less. The ratio of what I owe vs what my unit now is worth... how does this affect my rates.
Second Question:
With the condo%26#039;s appraised value being 30% lower, will I have to pay PMI. I want to rollover my balance which is 25% of current market/assessor%26#039;s appraised value for my home.
Thanks for your help.
What does the Certificate of Incorporation (COI) have to do with your property. When I bought my condo apparently the COI had been expired for years.. When I took over the association I discovered the last president didn%26#039;t bother to renew the COI and in fact had no idea what a COI was....thus had to go back and file for the previous 4 yrs. These have to be renewed yearly..
EVEN without a COI...none of that seemed to impact the sale of units within the building.. Didn%26#039;t impact my purchase at all! The bank never asked..
I%26#039;d be more concerned as to why the developer had not Incorporated the building prior to selling units.. In NJ that is required before the developer can sell any units!
I do not know the answer for the second question..sorry
%0D%0A
I%26#039;ve lived at my Washington state condo for a year and a half, which was a new construction at the time I closed. Anyhow, I presently have a conventional 30 year fixed loan at 6.625% and would like to refinance at the lower mortgage rates.
I%26#039;m told that because we haven%26#039;t been incorporated - there%26#039;s no homeowner%26#039;s association since there are still some units for sale - that it will prevent me from being able to refi. Is this statement correct.
We (building occupants) are planning to go through the Articles of Incorporation within the next 3 or 4 months and I%26#039;m concerned I%26#039;ll miss the opportunity to refi at these all time low interest rates.
With property values significantly decreasing especially in my city, will this also affect the loan interest rate aside that I have phenomenal credit overall. Anyhow, I put half down on my property in fall of 2007, yet the value of identical units like mine are currently selling for 30% less. The ratio of what I owe vs what my unit now is worth... how does this affect my rates.
Second Question:
With the condo%26#039;s appraised value being 30% lower, will I have to pay PMI. I want to rollover my balance which is 25% of current market/assessor%26#039;s appraised value for my home.
Thanks for your help.
What does the Certificate of Incorporation (COI) have to do with your property. When I bought my condo apparently the COI had been expired for years.. When I took over the association I discovered the last president didn%26#039;t bother to renew the COI and in fact had no idea what a COI was....thus had to go back and file for the previous 4 yrs. These have to be renewed yearly..
EVEN without a COI...none of that seemed to impact the sale of units within the building.. Didn%26#039;t impact my purchase at all! The bank never asked..
I%26#039;d be more concerned as to why the developer had not Incorporated the building prior to selling units.. In NJ that is required before the developer can sell any units!
I do not know the answer for the second question..sorry
%0D%0A
How does super-annuation in Australia work?
im a british citizen, moved to australia for 18months.
ive just got a job, but im not sure what i need for my first day-ie do i need details of a fund?
do i need a nominated fund for my super annuation to go into?
or is it true that i can get it in cash before i leave Oz?
If you don%26#039;t have a superannuation account, don%26#039;t worry. They will usually set you up with one in the first week or two that you are working. They usually just give you the paperwork for a generic fund like Australian Super and you just fill it in and give it back to them.
If you have an existing superannuation account, bring the details with you when you start work. That way, you can just set your super up immediately and don%26#039;t have to worry about doing heaps of paperwork to switch to your existing account.
You would have to talk to an accountant about whether you can get it when you leave Australia. However, most people in Australia cannot access their superannuation until they reach preservation age, which is about 60 - 65.
Super annuation is 9% on top of the gross salary. As a employee you also can contribute. But, you cannot take this money out untill you are 60 years old.
%0D%0A
ive just got a job, but im not sure what i need for my first day-ie do i need details of a fund?
do i need a nominated fund for my super annuation to go into?
or is it true that i can get it in cash before i leave Oz?
If you don%26#039;t have a superannuation account, don%26#039;t worry. They will usually set you up with one in the first week or two that you are working. They usually just give you the paperwork for a generic fund like Australian Super and you just fill it in and give it back to them.
If you have an existing superannuation account, bring the details with you when you start work. That way, you can just set your super up immediately and don%26#039;t have to worry about doing heaps of paperwork to switch to your existing account.
You would have to talk to an accountant about whether you can get it when you leave Australia. However, most people in Australia cannot access their superannuation until they reach preservation age, which is about 60 - 65.
Super annuation is 9% on top of the gross salary. As a employee you also can contribute. But, you cannot take this money out untill you are 60 years old.
%0D%0A
What a job or a career that would take you all around the world?
I am passionate about traveling; I have been to almost every part of South America and on my journeys I have met some really cool people, but they are just like me. They are only travelers with a lot of extra time on their hands. I really what to know of a profession that would take you all over the world, but not just for a week but more like 2 years then moving on or am I asking for too much?
try being a hotel or restaurant critic and reviewer. there are magazines, travel companies, and resorts looking for people to rate and rank different places around the world.
try being a pilot or flight attendant.
you can also try becoming a Executive for a mutlinational corporation.
win the lotto and travel
check out my blog in my profile, i list some ways to make a part time income at home. the money you make from that can go towards paying for a vacation.
And dont forget to get your flyer miles/points. that can come in handy....
You can be a person who advertises company products around the world
Sorry i forgot the name of the position
try being a hotel or restaurant critic and reviewer. there are magazines, travel companies, and resorts looking for people to rate and rank different places around the world.
try being a pilot or flight attendant.
you can also try becoming a Executive for a mutlinational corporation.
win the lotto and travel
check out my blog in my profile, i list some ways to make a part time income at home. the money you make from that can go towards paying for a vacation.
And dont forget to get your flyer miles/points. that can come in handy....
You can be a person who advertises company products around the world
Sorry i forgot the name of the position
Job help!!from marketing assistant to IA?
can you start your career as an investment adviser by starting out as a marketing assistant for a reputed investment firm? the reason i ask is because i just finished college and am on a gap year...i was looking for a job and was recently called for an interview the VP told me he will be needing my services and will likely call me by the end of this week (he said he will be out of town and not return until at the end of the week), there are only 2 more days left until the week ends and i have yet to hear from him? do you think its wise for me to call him and check??? any ways in my mind i am thinking it will be easy to make a transition from a marketing assistant to an investment adviser am i getting ahead o my self? or should i just opt out for graduate program in HR that i have been accepted to instead??
lol i'm a confused 21 year old and still have not quite found my place in the world?
an career advice would be of great help!
thx
Screw the last 2 scammers...
It depends on your interests and what you're good at. You've already graduated from college at 21? Damn, well done.
I would recommend against Marketing, but that's just my opinion because I personally despise it. If you go into graduate school for HR, your job opportunities will be many (and easy to get), but they'll almost certainly be limited to the HR field, and that's a very restricted area (and boring for most). So just based on my own personal interests, I would go for the Finance job, and later on get them to pay for you to go to graduate school for Finance... you'll have a broad knowledge and be able to really succeed once (if) this economy picks up again.
I think you should not call him. If there is a job opening, he needs you. If he is just thinking about a "future" opening, he might not call you for 2 years. Keep applying at other places and never look back.
Yes you can work your way up to investment advisor from a marketing assistant position..
lol i'm a confused 21 year old and still have not quite found my place in the world?
an career advice would be of great help!
thx
Screw the last 2 scammers...
It depends on your interests and what you're good at. You've already graduated from college at 21? Damn, well done.
I would recommend against Marketing, but that's just my opinion because I personally despise it. If you go into graduate school for HR, your job opportunities will be many (and easy to get), but they'll almost certainly be limited to the HR field, and that's a very restricted area (and boring for most). So just based on my own personal interests, I would go for the Finance job, and later on get them to pay for you to go to graduate school for Finance... you'll have a broad knowledge and be able to really succeed once (if) this economy picks up again.
I think you should not call him. If there is a job opening, he needs you. If he is just thinking about a "future" opening, he might not call you for 2 years. Keep applying at other places and never look back.
Yes you can work your way up to investment advisor from a marketing assistant position..
Background check on a house?
My bf and I found the perfect home to live in. And when I am in this house I get a funny feeling, like there is just something not right. Well... I ignore it cause I love the house and I want to live in it. Soo is there like anyway I can find the background history of the house? It was built in 1959. And there is imprints on the wall from kids back in the 60's. lol So I just want to know the history on it before hand. Is there a way to do this online for free?
Go to the courthouse and ask at the front desk where you would need to be to find those records. I don't remember the name of the department, but I DO recall it's in the county courthouse (same county the house is in). I kind of belief in ghosts, and I suspect our last house (built in 1902) might have been "occupied". I believed it was a woman and I would see things out of the corner of my eyes, but I never got any "funny" feelings. Odd as it may sound, one night shortly after moving in, I was alone in the house and felt a presence. I spoke out loud saying that I now lived there but had respect for the home and that I would keep it clean and take care of it. I would still see things in the corners of my eyes after that, but I was never bothered or afraid. I figured it was most likely just my imagination anyway since old homes will make you think that way. I never looked up the history because I decided, since I was already there and couldnt move out yet, I probably didnt need to be scaring myself by digging into such things. Good luck!
That sounds creepy. I have tried to find a way to check out the history of one of my old houses because I thought that it was haunted. I was unable to find anything online though. Hopefully someone will know and can help both of us out!
Go to the courthouse and ask at the front desk where you would need to be to find those records. I don't remember the name of the department, but I DO recall it's in the county courthouse (same county the house is in). I kind of belief in ghosts, and I suspect our last house (built in 1902) might have been "occupied". I believed it was a woman and I would see things out of the corner of my eyes, but I never got any "funny" feelings. Odd as it may sound, one night shortly after moving in, I was alone in the house and felt a presence. I spoke out loud saying that I now lived there but had respect for the home and that I would keep it clean and take care of it. I would still see things in the corners of my eyes after that, but I was never bothered or afraid. I figured it was most likely just my imagination anyway since old homes will make you think that way. I never looked up the history because I decided, since I was already there and couldnt move out yet, I probably didnt need to be scaring myself by digging into such things. Good luck!
That sounds creepy. I have tried to find a way to check out the history of one of my old houses because I thought that it was haunted. I was unable to find anything online though. Hopefully someone will know and can help both of us out!
What are some good commodity stocks to invest in?
I currently hold a position with AUY and CHK. I'm thinking about maybe adding one or two more commodity stocks to my portfolio. Any suggestions would be greatly appreciated.
AA - Alcoa (Aluminium)
RRC - Range Resources
OXY - Occidental petroleum
I would also suggest commodity exchange traded funds.
DBB - Powershares DB Base Metals ETF
DGL - Powershares DB Gold ETF
USO - United States Oil ETF
GLD - SPDR Gold Trust ETF
UGL - Proshares Ultra Gold EFT
In nowadays market crisis, If you would like to make money in the market and serious about it, you can google for HSFX Asset Management and start making consistent profits!
AA - Alcoa (Aluminium)
RRC - Range Resources
OXY - Occidental petroleum
I would also suggest commodity exchange traded funds.
DBB - Powershares DB Base Metals ETF
DGL - Powershares DB Gold ETF
USO - United States Oil ETF
GLD - SPDR Gold Trust ETF
UGL - Proshares Ultra Gold EFT
In nowadays market crisis, If you would like to make money in the market and serious about it, you can google for HSFX Asset Management and start making consistent profits!
Thursday, March 12, 2009
I am doing a walk through with a builder next week.?
what are the places or things i should particularly look out for?
Cracks on walls
Crooked walls
Spots where touch-up paint is needed
Turn on-off all water faucets (hot and cold)
Turn on dishwasher/garbage disposal
Make sure flooring was cut straight
Take something you can plug into the wall outlets to ensure electrical current is present
Turn on A/C unit
Garbage door openers
Make sure doors open and close properly (including closet doors)
Make sure windows open and close properly
first make sure that everything is in writing. There should be a formal list done by the builder.
If you haven't already done it, I would have a professional home inspector with you.
Actually look at the house and forget the cool part that you are buying a nice new house.
Get a professional to check it for you, can save you trouble if you know what needs doing before you have moved in.
Ask your REALTOR!
Cracks on walls
Crooked walls
Spots where touch-up paint is needed
Turn on-off all water faucets (hot and cold)
Turn on dishwasher/garbage disposal
Make sure flooring was cut straight
Take something you can plug into the wall outlets to ensure electrical current is present
Turn on A/C unit
Garbage door openers
Make sure doors open and close properly (including closet doors)
Make sure windows open and close properly
first make sure that everything is in writing. There should be a formal list done by the builder.
If you haven't already done it, I would have a professional home inspector with you.
Actually look at the house and forget the cool part that you are buying a nice new house.
Get a professional to check it for you, can save you trouble if you know what needs doing before you have moved in.
Ask your REALTOR!
Any thoughts on buying vipsx Now?
Pimco and others are calling for inflation and suggest buy Tips. Would you buy now. Please make a case either way
I recommended TIPS to my daughter last week as a supplement to her 401k. Forbes analyst Steve Hanke recommends TIPS and gold in the March 16 issue. If you buy them do it in an IRA or Roth IRA (or 401k if it's TIPS are a choice). With all the borrowing and money printing the govt is doing now inflation will be back with a vengeance. Another alternative is to short US Treasuries, which will decline in value when bond holders demand a higher interest rate due to inflation. The ETF TBT is double short the long treasury bond.
simple answer is you always want to be diversified and therefore have some exposure to TIPS.
US government has been printing a lot of money and that usually leads to inflation.
I recommended TIPS to my daughter last week as a supplement to her 401k. Forbes analyst Steve Hanke recommends TIPS and gold in the March 16 issue. If you buy them do it in an IRA or Roth IRA (or 401k if it's TIPS are a choice). With all the borrowing and money printing the govt is doing now inflation will be back with a vengeance. Another alternative is to short US Treasuries, which will decline in value when bond holders demand a higher interest rate due to inflation. The ETF TBT is double short the long treasury bond.
simple answer is you always want to be diversified and therefore have some exposure to TIPS.
US government has been printing a lot of money and that usually leads to inflation.
What can a failing business do?
Payroll and taxes have completely my moms restaurant account. We're not busy enough to afford to pay payroll next week. Rents due, the electricity is due, all of this amounts to around 3 thousand she doesn't even have a thousand dollars in the bank.
People that do eat there really enjoy the food. But, I just don't know what to do. I told her to become take out only to save from having to have employees but she said its not an option.
If she goes under, what are we going to do for work? Work in Michigan is hard to find, what is she gonna do to pay back her loans?
I'm really worried. Is there anything that can be done? Any ideas on how to save a failing business?
Thanks
If she does go under, she will file for bankruptcy and not pay the loans back.
See if you can get more people - be creative - think either conventions, parties, board meetings, lunch specials for local businesses....
Good luck
this is happening all over, you are not alone, cut expenses somehow
People that do eat there really enjoy the food. But, I just don't know what to do. I told her to become take out only to save from having to have employees but she said its not an option.
If she goes under, what are we going to do for work? Work in Michigan is hard to find, what is she gonna do to pay back her loans?
I'm really worried. Is there anything that can be done? Any ideas on how to save a failing business?
Thanks
If she does go under, she will file for bankruptcy and not pay the loans back.
See if you can get more people - be creative - think either conventions, parties, board meetings, lunch specials for local businesses....
Good luck
this is happening all over, you are not alone, cut expenses somehow
My debt was sent to a collections lawyer?
I got out of the Air Force early and owed back part of my bonus. We did not have the money to pay it back and I asked for a 6 month extension on payments so that for that time I would not have to make any payments and we could figure out what to do. In that time they were suppose to send me a notice and another bill, they did not. Being that we did not have the money, I did not follow up on it (I know I know...please dont judge me :) ) A year later I receive a letter in the mail from a lawyer saying that I am being sued for the full amount of the loan. I called the lawyer office and they said that the DOD was trying to contact me for a year and that I refused to answer my phone and the mail they sent me was to an old address that I have not lived at for over 2 years. The DOD got the first letter to my correct address and this lawyer was able to send me mail to my correct address, I do not understand why I was not contact for over a year about this. Is there anything I can do because I do not think it was fair that they are acting like they could not find me...this is the government and my correct address and phone number is on my discharge paper work. NEED ADVICE!! THANKS !!! P.S. I am unable to work because my son had brain surgery and needs round the clock care for the time being. This is my debt that I had before my husband and I got married and they are wanting his information as well.
When were you first delinquent? I don't know if it's different with oweing money to the Air Force, but with normal creditors, there is a statute of limitations (SOL) in your state where the debt occurred. You need to find out if your bonus is considered a written contract or oral or what. With credit cards for instance, my state has a 5 yr SOL. That means that the creditor has 5 years in which to sue me or else I can claim an SOL defense.
The collection agency will lie to you. If you got a letter in the mail from a lawyer saying you are being sued, you should have been served by a police officer/sherriff, whatever. I'd check with your local courthouse to see if a case was even filed. They could just be threatening you with a suit. They dont' need your husband's info. Trust me. Don't give it to them. This isn't your husband's debt.
Go to Legal Aid. they offer advice, and guidance in legal matters. My sister used the local one where we live and they lady explained a lot to her. She had a car repoed and was worried about garnishment of her check. The person at the Legal Aid office helped her, and what she told my sister happened. She eased my sister's mind, and helped her.
You owe the debt and you will need to repay it at some point. Suggest you work nights or weekends and clear it up.
When were you first delinquent? I don't know if it's different with oweing money to the Air Force, but with normal creditors, there is a statute of limitations (SOL) in your state where the debt occurred. You need to find out if your bonus is considered a written contract or oral or what. With credit cards for instance, my state has a 5 yr SOL. That means that the creditor has 5 years in which to sue me or else I can claim an SOL defense.
The collection agency will lie to you. If you got a letter in the mail from a lawyer saying you are being sued, you should have been served by a police officer/sherriff, whatever. I'd check with your local courthouse to see if a case was even filed. They could just be threatening you with a suit. They dont' need your husband's info. Trust me. Don't give it to them. This isn't your husband's debt.
Go to Legal Aid. they offer advice, and guidance in legal matters. My sister used the local one where we live and they lady explained a lot to her. She had a car repoed and was worried about garnishment of her check. The person at the Legal Aid office helped her, and what she told my sister happened. She eased my sister's mind, and helped her.
You owe the debt and you will need to repay it at some point. Suggest you work nights or weekends and clear it up.
Landlord wanted to amend lease but its a month to month and a one year!?
Really bad lease! just realized went to lawyer, its a month to month and a one year!?
my landlord has not been making their HOA payments or paying clubhouse dues, which were part of the rent and we understood that.
I went to a lawyer who found tons of errors in the lease that I overlooked, the lease is orignially a revised lease that she got to replace a lease we signed with a real estate agent that she fired.
1st mistake it says "tenant entering into a month to month lease" then she typed in her own font oct 1st 2008- september 31st 2009 1 year.
Problem: no september 31st. only 30 days in September,
2nd mistake "tenant must give 30 days notice to vacate" then she typed in 120 next to it.
problem : lawyer doesnt know because its a month to month lease shes typed a 1 year date unto if that line means that i give 30 days notice withing 120 days of lease ending if i plan on moving, or i give 120 days notice but how would u enforce that on a month to month lease.
Various other things lease contradicts itself, what to do
I guess the lease she amended this one with was better and this one is a month to month lease, that shes typed her own stuff over. Is this a really bad lease or no big deal, or what!?
First of all there are laws on what the lease can say in the first place, landlords are restricted on how much notice they can require. No one gives 4 months notice....Why did you sign that !!! Assuming she didn't cross out 30 days or month to month, I would simply give 30 days notice and move out. I would also site and provide proof that the landlord isn't paying on the home or the services that are expected. Mail her the info certified. Move out in 30 days. Worst case the landlord keeps the deposit...that's what you have to lose. In theory the landlord can sue for the time it takes to re rent the place but this is an individual and the person sounds like a fool.
If you don't get back your deposit you either sue or let it go. If you're going to let it go, don't even worry about a 30 day notice. Dont' worry about cleaning the place. Just walk out and mail the landlord the keys. Or just don't pay rent one month and let her evict you and keep the deposit. It will take the landlord a couple months to evict you probably. Oh, final note, even if you don't pay and let her or him evict you, or simply move out before she can, be sure to put the rent in an account to pay her or him later if you get sued (worst case).
I'm sure her lease has a no sublet clause. You should check with the Clerks office to see if she is being foreclosed on and if taxes are unpaid...a note will appear on title.
Just a question: What did you think you were signing...did you agree on one year, etc?
its the landlords responsibility to make sure the lease is legally binding and fair. Clearly she didn't get it checked by a lawyer before presenting it to you. If i were you and wanted to end my lease or propose anything else you wish to do which is not clear on the lease then there is a high possibility the law will work in your favour.
If it is a condo building you can try going to the condo board(no cost).
Otherwise try to move in one month.
Or try a lawyer.
If the landlord is nice she might just fix this for you, so ask her!
Let the lawyer advise you.
I guess you best bet is to give 30 days notice and move.
my landlord has not been making their HOA payments or paying clubhouse dues, which were part of the rent and we understood that.
I went to a lawyer who found tons of errors in the lease that I overlooked, the lease is orignially a revised lease that she got to replace a lease we signed with a real estate agent that she fired.
1st mistake it says "tenant entering into a month to month lease" then she typed in her own font oct 1st 2008- september 31st 2009 1 year.
Problem: no september 31st. only 30 days in September,
2nd mistake "tenant must give 30 days notice to vacate" then she typed in 120 next to it.
problem : lawyer doesnt know because its a month to month lease shes typed a 1 year date unto if that line means that i give 30 days notice withing 120 days of lease ending if i plan on moving, or i give 120 days notice but how would u enforce that on a month to month lease.
Various other things lease contradicts itself, what to do
I guess the lease she amended this one with was better and this one is a month to month lease, that shes typed her own stuff over. Is this a really bad lease or no big deal, or what!?
First of all there are laws on what the lease can say in the first place, landlords are restricted on how much notice they can require. No one gives 4 months notice....Why did you sign that !!! Assuming she didn't cross out 30 days or month to month, I would simply give 30 days notice and move out. I would also site and provide proof that the landlord isn't paying on the home or the services that are expected. Mail her the info certified. Move out in 30 days. Worst case the landlord keeps the deposit...that's what you have to lose. In theory the landlord can sue for the time it takes to re rent the place but this is an individual and the person sounds like a fool.
If you don't get back your deposit you either sue or let it go. If you're going to let it go, don't even worry about a 30 day notice. Dont' worry about cleaning the place. Just walk out and mail the landlord the keys. Or just don't pay rent one month and let her evict you and keep the deposit. It will take the landlord a couple months to evict you probably. Oh, final note, even if you don't pay and let her or him evict you, or simply move out before she can, be sure to put the rent in an account to pay her or him later if you get sued (worst case).
I'm sure her lease has a no sublet clause. You should check with the Clerks office to see if she is being foreclosed on and if taxes are unpaid...a note will appear on title.
Just a question: What did you think you were signing...did you agree on one year, etc?
its the landlords responsibility to make sure the lease is legally binding and fair. Clearly she didn't get it checked by a lawyer before presenting it to you. If i were you and wanted to end my lease or propose anything else you wish to do which is not clear on the lease then there is a high possibility the law will work in your favour.
If it is a condo building you can try going to the condo board(no cost).
Otherwise try to move in one month.
Or try a lawyer.
If the landlord is nice she might just fix this for you, so ask her!
Let the lawyer advise you.
I guess you best bet is to give 30 days notice and move.
Help with new job? please?
okey so im 18 and i applied for a job at DQ and Party City.
i filled the application form for party city and turned it in and for DQ they didnt have application forms so i left my number with my email and name and the hours that i'll work and i wrote "as soon as possible"
how long do u think they will call me its been 2 days. should i go back to talk to the manager himself or should i wait longer?
how long do they usually take to call u?
If you turned in an actual application, you can call and ask about the status of your application. Have you checked online at the DQ website to see if they might have an online application?
Time varies for call back it can be the next day or a week. Depends on what tasks managers have in front of them and they may not have time to review your application right away. Calling never hurts. So I would do that.
i filled the application form for party city and turned it in and for DQ they didnt have application forms so i left my number with my email and name and the hours that i'll work and i wrote "as soon as possible"
how long do u think they will call me its been 2 days. should i go back to talk to the manager himself or should i wait longer?
how long do they usually take to call u?
If you turned in an actual application, you can call and ask about the status of your application. Have you checked online at the DQ website to see if they might have an online application?
Time varies for call back it can be the next day or a week. Depends on what tasks managers have in front of them and they may not have time to review your application right away. Calling never hurts. So I would do that.
How do i find gross private domestic investment?
Personal consumption expenditures 245
net foreign factor income 4
transfer payments 12
rents 14
statistical discrepancy 8
consumption of fixed capital 27
social security contributions 20
interest 13
proprietors income 33
net exports 11
dividends 16
compensation of employees 223
taxes on production and imports 18
undistributed corporate profits 21
personal taxes 26
corporate income taxes 19
corporate profits 56
government purchases 72
net private domestic investment 33
personal saving 20
haha, I think you are in the same class I am with zitka
edit: o, well we have the same problem. Just add consumption of fixed capital to net private domestic investment.
net foreign factor income 4
transfer payments 12
rents 14
statistical discrepancy 8
consumption of fixed capital 27
social security contributions 20
interest 13
proprietors income 33
net exports 11
dividends 16
compensation of employees 223
taxes on production and imports 18
undistributed corporate profits 21
personal taxes 26
corporate income taxes 19
corporate profits 56
government purchases 72
net private domestic investment 33
personal saving 20
haha, I think you are in the same class I am with zitka
edit: o, well we have the same problem. Just add consumption of fixed capital to net private domestic investment.
Found out my lease is month to month and a one year, help!?
Really bad lease! just realized went to lawyer, its a month to month and a one year!?
my landlord has not been making their HOA payments or paying clubhouse dues, which were part of the rent and we understood that.
I went to a lawyer who found tons of errors in the lease that I overlooked, the lease is orignially a revised lease that she got to replace a lease we signed with a real estate agent that she fired.
1st mistake it says "tenant entering into a month to month lease" then she typed in her own font oct 1st 2008- september 31st 2009 1 year.
Problem: no september 31st. only 30 days in September,
2nd mistake "tenant must give 30 days notice to vacate" then she typed in 120 next to it.
problem : lawyer doesnt know because its a month to month lease shes typed a 1 year date unto if that line means that i give 30 days notice withing 120 days of lease ending if i plan on moving, or i give 120 days notice but how would u enforce that on a month to month lease.
Various other things lease contradicts itself, what to do
I guess the lease she amended this one with was better and this one is a month to month lease, that shes typed her own stuff over. Is this a really bad lease or no big deal, or what!?
Most initial leases are one year, and then continue in a month to month lease.
The best thing to do would be to go to her for clarification, and a better written lease.
The phrase "oct 1st 2008- september 31st 2009 1 year" means the person who typed it intended for it to be for the one year period that begins on October 1, 2008 and ends at the end of September 2009 (in other words, on September 30, 2009). I suppose that another possible interpretation is that it is supposed to end 30 days after September 1, in other words, on October 1.
why are you asking here if you consulted an attorney, methinks you are doing your own interpretation
my landlord has not been making their HOA payments or paying clubhouse dues, which were part of the rent and we understood that.
I went to a lawyer who found tons of errors in the lease that I overlooked, the lease is orignially a revised lease that she got to replace a lease we signed with a real estate agent that she fired.
1st mistake it says "tenant entering into a month to month lease" then she typed in her own font oct 1st 2008- september 31st 2009 1 year.
Problem: no september 31st. only 30 days in September,
2nd mistake "tenant must give 30 days notice to vacate" then she typed in 120 next to it.
problem : lawyer doesnt know because its a month to month lease shes typed a 1 year date unto if that line means that i give 30 days notice withing 120 days of lease ending if i plan on moving, or i give 120 days notice but how would u enforce that on a month to month lease.
Various other things lease contradicts itself, what to do
I guess the lease she amended this one with was better and this one is a month to month lease, that shes typed her own stuff over. Is this a really bad lease or no big deal, or what!?
Most initial leases are one year, and then continue in a month to month lease.
The best thing to do would be to go to her for clarification, and a better written lease.
The phrase "oct 1st 2008- september 31st 2009 1 year" means the person who typed it intended for it to be for the one year period that begins on October 1, 2008 and ends at the end of September 2009 (in other words, on September 30, 2009). I suppose that another possible interpretation is that it is supposed to end 30 days after September 1, in other words, on October 1.
why are you asking here if you consulted an attorney, methinks you are doing your own interpretation
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