Common Sense is correct - if you say I want to payoff my loan today and be rid of you ante up $12,657.83

If you like paying interest or can't afford to pay Ebeneezer then
you owe $16,613.29 until your next payment is due with interest

The previous answer is incorrect. You owe as of today the 12,657. If you make all the payments you will pay 16,613.

You are a manager in a software company now at the time of promoting employees working under you 1 person saying he/she don't want a promotion . The reason he/she is saying "just dont want " . What signs do u have after this ?
However his/her performance is OK neither too high not even bad also . say u waned to make him/her developer to senior developer .

not sure i completely understand your question as asked, but i think you are saying you have an employee that doesnt want to be promoted. There are two questions you need to ask:
- why do you want to promote them
- why dont they want the promotion

For example, if you want to promote them so they can start leading the work of others, but they just want to be an individual contributor, that might be your problem.

If they are very clear they dont want a promotion OR a pay increase (assuming both are part of the package) then i would respect their wishes, but it is important to really understand the underlying reasons for both of you so that you can arrive at the best possible outcome and there are no misunderstandings or miscommunications.

Good luck!

I would hesitate promoting anyone who didn't want it. Mainly because leaders need to be proactive and self-starters. If someone is saying they don't want a promotion, that usually (not always) means they are not a leader.

Now, that being said, if you think this person would be a great leader but is just nervous of the new role, promote them and let them live up to the new leadership role. If they can handle it, promote them and they'll become a better leader/manager.

But only promote them if you know they can live up to the responsibilities.

Good luck.

I was just wondering how we enter information into a portfolio on yahoo finance. Are commissions on a per share basis and are upper and lower limits on a per share basis? Furthermore, are there ways to enter commissions as a percentage?

commisions are on per lot basis

upper and lower reminders are on per share price basis

commissions as %, no

these are both optional entries

Here's the deal. I don't know what happened and how I didn't notice this at the time...either way, my question(s) are...

If I have already signed off on a retail installment contract and then I come home to realize that the dollar amounts were added up incorrectly...(in favor of the creditor!)....leaving me paying MORE!..is the contract still valid? Is there anything that I can do? Can this be corrected? Rescinded by way of MISTAKE!
I honestly feel this was done intentionally by the creditor to leach more money outta me, and I refuse to be stuck with paying an amount not really DUE!

take your paper work back to the creditor, and show them the mistake. if you need to, try getting an accountant, to figure over payments and any interest that was involved to get a true balance. then demand payment. if its worth it you can file a small claims suit against them, if they don't want to settle, let them know that you will file suit!

pay at the start-up is a lot lower, but the director and largest principal has plans to get listed within 3 years. You'll be working directly with him and likely assume a relatively senior position in a short time.

The job entails making presentations to private equity firms, strategic analysis and private equity valuation.

The 2nd job is a junior level position in investment management, specifically equity analysis. very long hours, ultra competitive, but it's in a big name bank.
Job security really isn't there, but career prospects are fantastic if you can stay a few years.

Which would you choose?
You're 30, have a MBA, a CFA and spent the last couple of years unemployed.

Tough call. If you're a people person, go with the start up. If not, go with the bank. You won't make many friends there since its so competitive. If you thrive in that kind of pressure cooker enviornment go for it. If not, the start up might be better.

$60 per month for a website for your business. (if you don't have a business pretend you do), no up front fees.

would you pay more/less?

plz ALL answer

No. Not without knowing what that $60 includes.

If you saw a sign that said...

My name is ____ and I am raising money for college. I can do any yard work, walk your precious pets, give me a job and consider it done!

would you hire them?

Yes - if I needed something done. It is positive and shows a goal.

why not???it`s better than the american.

I originally thought it was an oligopoly, but then i read that about 50 companies make up over 99% of the market. I know that would make it monopolistic, but my question is, do 3-5 of those 50 control over 80% of the market, thus making it an oligopoly?

As any good economist will answer, "it depends." ; )

Yes, a small group of firms that can control profitability in a market are an Oligopoly. The first issue is to define what the market is (not as easy as you might think). Next you have to think in terms of profit, not necessarily market share (although i'll address that too via a discussion of the Herfindahl index).

Let's skip the market discussion until after looking at control over profitability. From a regulatory perspective, the issue with an oligopoly is whether it controls long-term pricing. Unless the oligopoly is profitable, it cannot sustain long-term pricing against consumers and is not likely to raise regulatory pressure to change. Having lots of market share, OTOH does not necessarily translate to profit (Amtrak on the US east coast is a near monopoly for passenger rail traffic over long routes but runs at a loss with no better rail alternatives).

To understand command over market profits, it's useful to consider the "Porter's Five Forces" model, where industry profits come from the following: (i) bargaining power of suppliers, (ii) bargaining power of consumers, (iii) degree of competition (within the market), (iv) barriers to entry for new competitors, and (v) substitute product/service providers. As a sixth force, consider regulation (which allowed ethanol producers to be profitable only via government subsidies). If an oligopoly is controlling any of these forces to the point where industry profitability is being manipulated to the favor of the oligopoly, regulators will likely step in to correct the situation.

Coming back to the issue of the market, think about railways in terms of the substitute product item from the Porter model. For passenger rails, you compete with buses and planes. For freight rails, you compete with air, ships, and trucking. In this context, an oligopoly is more benign.

Finally, the question of market share (% of total sales in the market) can be measured by a cool statistic called the the Herfindahl index (HI). The HI is used by the Dept. of Justice (in the US) to determine if the acquisition of one industry player by another is "increasing market concentration". In other words, is the merger likely to increase long-term market pricing in a way that is adverse to consumers? The issue defining the market is still important. Even though the Sirius' acquisition of XM satellite radio merged the only two satellite radio service providers, consumers have bargaining power in that there are many alternate "audio" substitutes in the event that satellite radio becomes too expensive i.e., terrestrial radio, CDs, i-pods, etc. (not to mention that satellite radio is not a necessary consumer good by any stretch). The DoJ approved this merger.

To calculate the HI, you take the market share of the top-eight companies in the industry (by market share; any more than eight will not change the calculation much). Square the individual market shares (multiply them by themselves) and then add the results. This is your measure of "market concentration". The DoJ likes to see the HI below 0.10 and will raise eyebrows if a merger increases HI over 0.01.

As an example, consider a market with three players with 33% of the market each. The HI is (33%*33%)+(33%*33%)+(33%*33%) or 0.3267. If two firms merged, the math would be (66%*66%)+(33%*33%) or 0.5445, a big difference.

This is not a straight answer to your question, but the real answer depends on why you ask and is not straight forward. Hope this helps!

No one here could possibly know how your employer has their group health insurance set up.

But in general, NY is one of the most expensive states to buy insurance in, so I'd EXPECT the premium to be lower. No guarantees, though.

You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net

I had really good credit history when I got married and added my husband as an authorized user on a couple of my credit cards. Since then, some life changing events have ruined my credit completely.

Other than 1 medical bill that's in collection (we just made arrangements for this), he has no other credit cards that are delinquent. Now if I remove him from my credit cards, do you know if this will help bring his credit score up?

Thank you!

Credit card companies report to the credit bureau the following:

Late payments, monthly balances, credit line

If he is an authorized user on that account, all of the those will be reported to the credit bureau and will reflect on his credit. Good or bad.

Call the credit card companies and have his name removed as an authorized user.

FICO was going to change it to where being an authorized user did not count, but received so many protest from genuine accounts that they decide that the account is legitimate as an authorized user when a person receives a credit card for their use on someone else's account. Below is a link where you can read about it.

http://www.creditcards.com/credit-card-n…

Being listed as an authorized user on your credit card in no way affects your husband's credit. The account it attached to you and you alone. When you add an authorized user, usually only a name is requested, therefore there would be no way to report anything on that person as they do not have a SSN. Unless you both are considered account holders (both have signed the credit agreement), only you are responsible for the debt, and it would only be reported to the credit bureaus in your name.

So I would like to print my 2008 Tax Form but don't know how do I get a copy? I used the Turbo Tax CD and made it myself. I need a *SIGNED* copy of the tax return to return to the university i will be attending soon. They stated, "NO simplified copies provided by electronic filing software are acceptable."
How do I retrieve the copy then?

thanks.

a personal copy will not work, because that is not proof of filing and proof of income.
You need a Transcript from IRS, visit your local IRS office in your city, to obtain the transcript, all schools, banks, financial establishment accept the transcript as proof of income.
Take your picture ID with you. IRS will give the print while you wait.
Find your local IRS by visiting IRS website www.irs.gov

Go to irs.gov, get form 4506-T and request a transcipt. Since this *is* generated from the copy at the IRS, it's fine.

If you go to a taxpayer assistance office in person or are at fax machine and call in (800-829-1040), you can get it immediately.

The turbo tax CD should give you the option of printing a 1040 form for the return you filed electronically. Just print that out, sign it and give it to the University. I do that all of the time.

you prepared your own return and didn't make a copy for yourself?
if you need the forms, they are available at www.irs.gov and you can print a copy of each form you need there

My student loan total comes to about $20,000. I am planning on paying about double the required payment, on time, each month (and more if I get a better job!) Would it be possible for me to get a mortgage on a house in about 5 years if I pay my loan off on time every month until then? I don't think it will be paid in full at that time, but it should be 3/4 of the way paid off. I'm just trying to do some financial planning for the future. Please guys, only respond if you have PERSONAL experience with purchasing a house when you've had outstanding student loans, or if you work at a bank and have first hand knowledge of the requirements. Thanks!

There are a number of factors considered when you apply for a mortgage. Your job, the length of time you have been at the same job, etc. as well as your credit score. A student loan isn't any different than any other debt. If you owe so much that your debt to income ratio is too high (you cannot make your monthly payments), you will be denied a mortgage. In order words, your student loan will be added to all your other debts, to determine your debt to income ratio. It is great you are paying off your student loan but do not incur other debts along the way because the student loan might be paid off by your other loans might prevent you from getting a mortgage. In addition, don't pay so much on your student loan that you cannot save for emergencies and a down payment for when you apply for a mortgage.

Also, since mortgage interest is tax deductible and you are gaining nothing by renting, don't put off buying a house in a couple years just because you have student loans. If you can comfortably make a mortgage payment and your student loan payment, then consider home-ownership.

You shouldn't have a problem if you have income that shows that you can afford the payments on the student loans and the house, and your credit shows a good payment history for anything you owe. Remember you'll need to save up a down payment for the house, so don't put ALL of your extra money on the student loans, even though you're plan to pay them off asap is good.

It really completely depends on your income, and what other debt you have.
By that point you will have very well-established credit, with great installment-loan history. Your only problem you may run into is your income vs. your debt, known as the debt-to-income ratio. That's why it depends on what other debt you have as well.
If the 1/4 of the loan, or roughly $5k, is the only debt you have at that point, then you should be fine.

If your credit score, debt to equity and down payment support a loan you should be able to get one.

The finnacial melt down in 2008 is people with little income buying to much house

It depend your income, how much house you want to buy
Usually your house to income ratio is 2.5.
For example , your income is 100k, your ability to buy the house is 250k. Depend of your down payment too.
First and Foremost.

KEEP YOUR FICO score clean.

iF you want to purchase a house in 5 years. Do not buy a fansy car, do not buy expensive itemand put on the credit card.

In the mean time, put aside for Retirement account like 401k, Roth IRA.
Do not put on credit card debts.

In my personal experience, When I purchased my home, the day i choose my home and the day closed on the house. Except the built on land. There was no hitch on paper work. The bank was able approved my loan instantly after credit check, asset check, and debt check
AT the time i am buying. My 401k, Roth IRA, cash on hand total about 150 k and no debt.
They are happy to sign the loan for me without hesitate.

2 questions please help
Important decisions about the business are taken by the workers. How many votes do they get?

The basic idea of worker co-operatives is that it is likely to be what?

1 vote

Free shipping is a misnomer. Handling charges ( what? ..... putting a thing in a box with minimal labor people is a big deal?) is a joke for more profit. The things are made in China, how much more cost can these advertisers have ??? It is a rip off. I think this very similar to what our government is doing to us with their pandering and bs-ing thing.

"It is as thought these charges are only profit add ons"

BINGO!!!

Since almost 100% of these "as seen on TV" products use an outsourced company to package and ship that's how those companies make their profit. Theoretically it covers credit card fees, the box, packing material and the labor to pack and ship.
That said, I agree with you...many s/h charges are rip offs.

Okay, I'll play the devil's advocate. Have you been to the pee ooh lately to ship a package? Just about anything more than an overweight letter is upwards of $12.00 to mail. It gives me gray hair! Now I'll give you that the pee ooh is an arm of your government, and that sort of speaks volumes. But UPS and FedEx have gone up along the same lines.

That said, there is a real mark up in that "handling" thing. Kinda makes you wonder what sort of handling they're doing, doesn't it?

*** If you think health care is expensive now, just wait till it's FREE ***

Wow i read they denied the bill to extend unemployment benefits recently so what happens next ?. There are people unemployed through no fault of their own and 2010 will be another tough year as so many jobs have being lost and no new ones created ...

The unemployment extension was not denied. The Republicans are stalling and they are debating on how the extension will be paid for.. either from the stimulus funds or an extended tax on employers. They have 60 Senate Hours before time is us and they must vote on it. Senate is expected to vote on this measure by the end of the week.

It's a certainty that it will.

The problem is that Senate Republicans are stalling the legislation in attempts to attach amendments for unrelated issues. With folks out of work, this is American politics at its worst.

Contact your elected representatives (especially your 2 senators) and demand that they act on the bill NOW and stop messing around with petty politics. The bill needs to hit the Senate floor for an up-or-down vote without any more time-wasters by Republicans.

Odds are strong that another extension will be passed.

stop smoking ...that will save some money..you can't afford them..

After I filed my taxes, I owed GA state taxes. In April 2009 (this yr), I filled out an Installment Payment Agreement form and emailed it w/ a voided check. From then, till now, I have not heard anything about it. I was in touch via email with someone, but haven't heard back from him. He said he sent it in for processing and that the monthly payment would get taken out of my account on the 10th of every month, but that has not happened yet. He also said that I would receive a letter from the IRS about my payment arrangement. I have not gotten that letter yet.
Does it take this long? I am a little worried. What should I do?

You need to resolve a state issue with the state tax authority not the IRS. If you owe GA tax you need to contact the GA state tax authority.

I'm confused. If you owed GA state taxes, why did you try to set up a payment arrangement with the IRS?

Who exactly do you owe?

have cheaper/lower prices?

I think for most people it is that they have cheaper/lower prices and pretty much everything in one store. A lot of people are lazy or, to be fair, short on time and don't want to go hunting for best prices at various stores when they can find it at one location. I personally avoid Walmart as much as possible but that is just me.

Edit: To be fair again I should note that most grocery stores do tend to overprice and not all cities or towns will have a grocery store that has affordable prices. I lived in a place where there weren't any stores but the big Smiths type stores now I have Aldis which has really good prices on groceries.

Cheaper lower prices..some grocery items to getting your car repaired, clothes, linen, pharmacy. Some super walmarts have optical, photography studio, hair and nail salon, fast food , full grocery stores and everything else...their prices are usually always the cheapest or pretty darn close. Their generic brand isn't that bad either.

I like to go to the walmart supercenter were they have groceries because I hate having to go to different stores to get what I need. Plus the price of paper towels, toilet paper, etc are much more pricey at an actual grocery store.

I am Brazilian and here in Brazil the Wallmart is not also a very popular market, the foreign market that more it pleases for us is the Carrefour.

Cheaper groceries than the other grocery stores around.
Other stores - greedy - with incredible markups.
/

cheap prices and special offers.

I want to buy Phillippine pesos to take with me to the Phillippines, the currency converter on the internet tells me that 10000pesos is £130.50the post office who are interest free have told me 10000pesos is £145.80. Why is there such a difference

Internet rates are generally interbank midmarket rates. When you buy or sell a currency it is always going to be higher or lower than this, depending on the exchange loading applied. The post office and others might say they are "commission free" but this is not strictly true - they all apply exchange loadings which is how they make their money.

Also exchange rates change continuously - the internet rate will be the live or 20 minute delayed price, the price you get at the point you make the exchange will be different because of this.

You are nearly always better off just getting the money out of an ATM when you get to the country you are visiting rather than buying it in advance, then you still pay a loading fee plus the amount the bank charges for the withdrawal but this will still be less than the Post Office will charge if you buy the currency before you leave in the UK.

Look online to see if there is an ATM at the airport when you get there. If there isn't no doubt there will be exchange desks you can change sterling from when you arrive.

Because everyone who changes money offers their own exchange rate.

Mostly now no one has commission rates - so they just change the rate they are prepared to exchange at to make the profit.

Every exchange rate will be different.

The Internet rates are just averages usually - or one selected provider.

Go to a currency converter comparison website and look at the best deal you can get. Make sure you dont pick one where you get a really good rate - but have to book the deal weeks in advance.

Usually for the amounts in holiday money exchange - best off checking out the high street banks and PO - and just pick the best one out of those.
Good luck!

Thats because the website you used was using average exchange rate figures. The actual rate is forever changing, sometimes every hour. Also because the Post Office only deals in small amounts, the exchange rate is not as competetive, compared to if you were to buy £250,000 or more then you would get much much better exchange rate.

Take my advice, everyone is out to make a quick buck and the PO is no different. The best advice I can give you is to shop around and buy the best deal. If someone online is only askin for £130.50 for 10,000pesos, then you might consider their offer, but be sure it's genuine first.

Try this link for currency converter
http://coinmill.com/GBP_PHP.html

Make sure the on line one is for the tourist rate and not the commercial international rate which is always higher,

it isnt...walmart is better because the prices are lower than sears

The worst month for stocks is actually September (for a few reasons, that didn't happen this year).

Since 1950, the month of September has seen an average decline in the Dow Jones Industrial Average (DJIA) of 1.1%, while the S&P 500 has averaged a 0.7% decline during September. Since the Nasdaq was first established in in 1971, its composite index has fallen an average of 1% during September trading. This is, of course, only an average exhibited over many years, and September is certainly not the worst month of stock-market trading every year.

There are several theories which attempt to explain this phenomenon. One particular theory points to the fact the summer months usually offer light trading volumes on the stock market, as a good deal of investors typically take vacation time and refrain from selling stocks from their portfolio. Once fall begins these investors typically return to work and exit positions they had been planning on selling. When this occurs, the market experiences increased selling pressure, and thus an overall decline.

As well, many mutual funds experience their fiscal yearend in September. Mutual fund managers, on average, typically sell losing positions before yearend, and this trend is another possible explanation for the market's poor performance during September.

Why is it when the dollar goes down the euro goes up? And what are all of those treasury auctions that happen weekly in the stock market like the one that was done today for 12billion. Please explain the mechanics step by step. Thanks.

Hi it is not necessarily true.

While a currency can go up and down versus another currency, it does not have to be only the euro.

For example the dollar may go down vs the AUD due to some event while remains relatively stable vs the EURO.

I don't think the treasury auctions belong to the stock market. Rather they belong to the bond markets.

Basically investors buying those bonds are loaning money to the treasury for a fixed amt of interest rate at a specific tenure.

It only goes up or down in relation to that currency. They are not independent of each other. The dollar can go down against the Euro, but Up against the Yen at the same time.

But usually when they say the "dollar is down" they are talking about the dollar index, which is a basket of currencies against the dollar of which the Euro is one of them.

It is not always like that ,it depends you are looking dollar against euro or euro vs any other currency,if u look in stock market US Dollar vs Euro ,only one can go up and second will have to go down.If you want more details ,not easy to explain here go to FXCN.COM, O AND A.COM, BLOOMBERG.COM and if u want a free lesson on how these curriency trade works then go to www.ampfutures.com and talk to broker live.

Because countries play money games so they can make money off of the exchange rate going up and down--you could too--just like the stock market.

Because there is no "absolute" value of money. Currencies are quoted in terms of other currencies.

Because the dollar can only go "down" in relation to the other currencies.

Freecreditreport.com requires a freaking credit card? How is that free? and experian wants one too! I thought you were supposed to be able to get your credit report for free from all 3 agencys once a year! How do you do this? I tried calling Trans Union and they needed a credit card and wanted 19.95! How the heck am I supposed to find out what is still on my credit and if it is right?

Free credit reports do not require a credit card and are not available from freecreditreport.com. Credit reports from freecreditreport.com are not free.

To obtain free credit reports, go to http://www.annualcreditreport.com and be sure to order only the credit report (at that site, the reports are free but the scores are expensive). No credit card is needed.

In the US you should go directly to the credit reporting agencies.

http://www.experian.com/

http://www.equifax.com/

http://www.transunion.com/

By law, you may request one report per year from each of the agencies and they must provide it free of charge.

I'm suspicious of the other sites who offer the reports for free because you don't know who you're giving your confidential information to and what they're going to do with it. And even if they're on the up and up, why would they provide this service for free unless they had some ulterior motive like trying to sell you something?

Here's a really good article on repairing bad credit: http://www.ehow.com/how_5551631_raise-sc…

It also tells you how to get a free credit report. Go to the end of the article and look under "Resources". They have links to Experian, Trans Union, etc. You can get one free report from each agency, but go to each agency's site and order them separately.

annualcreditreport.com
reports are free = always have been
its these darn silly commericials that are making 30 billion a year ripping people off.

Now, if you want your score - they will charge about 8 bucks through the credit bureaus.
But consider not knowing it - I never have.
Major lenders like FHA do not look at scores - they view your reports in detail and make their own decisions.
Don't sweat the scores - sweat having perfect reports and perfect credit.
/

creditkarma.com

Save a certain amount of money.. I always end up having to spend the exact amount that I just saved?

lol it's like your being watch by the money patrol :P

unforeseen occurrences

im quite frightened

The clock you were using automatically reset itself for Daylight Savings Time.

It's Daylight Savings Time! Everyone loses an hour at midnight. Everyone has to set their clocks back on hour.

I'm 19 years old and coming to the end of my 6 month maternity leave. While I've been on maternity leave my partner has been made redundant so I have been mainly responsible for paying rent, bills etc etc. (and also a new baby!!) So, because of all of this, I have been forced to use about £2000 of my overdraft. I am worrying that this is quite a lot of debt for my age and how am I going to be able to repay it? Is anyone else in this situation and how did/would they deal with it? Thanks.

Are you claiming what your entitled too eg working family tax credit you can still claim it whilst on maternity leave. The only way it can be dealt with is for your partner to get back into work quickly.

That isn't to bad you can repay that back. When you go back to work just call the bank and set up payment arrangements. If you don't pay them they can report that on your credit report and they could close your checking account.

Because Obama is an idiot and for some stupid reason, went after them because he's arguing they shouldn't charge late fees.

We've had late fees for YEARS and it's nothing new. If stupid people are buying things with credit which they KNOW they CANNOT afford, that's no one else's fault but their own.

So how could Obama help these idiots that got themselves into debt?

It's all because of our American materialism moronic society. People can't wait to buy things when they can afford it, they want it NOW, and this results in buying things with credit by taking loans for which they can't fully pay back yet.

Then the regular late fees kick in and stupid people with homes they can't afford can't pay off the late fees, and homes go into foreclosure, and thus the housing market implodes.

See how all this connects?


Short Version:
And Obama is trying to defend the stupid people for their wrong doing. One of the worst presidents so far. He wants to dictate how private credit card companies charge their interest. He can't! They're PRIVATE COMPANIES!!! What Obama is doing is Socialism, where the government is dictating businesses.

So because Obama said they can't charge late fees, the Credit Card companies charge the people higher interest to compensate for the loss of income they could recieve FROM ALREADY OWED LATE FEES THAT MORONS SHOULD HAVE PAID BACK.

as other posts stated it is because of this Credit Card Reform Obama pushed. Although it will protect consumers later on but once this got passed credit card companies are punishing all consumers by increasing APR, annual fees, reward reductions, min payment increases and credit limit reductions. I believe the government should stay away from things like this or once they pass an act it should be enforced right away not 1 year after it passed as this one did.

They are trying to beat the new laws that restrict credit card companies. It has backfired on the consumer. Banks were granting lower interest rates based on calculated risks. They will be restricted and not allowed to do this in the future so they are charging everybody.

I am not a big fan of credit card companies and think everyone should find ways to live without their services

I thought CITI Group went bankrupt !
We helped them with their bail out but they refuse to help us the people who are holding them up !

This is not a surprise, as many card issuers are doing this baloney before Feb 2010, when new rules go into effect on credit card accounts.

What you can do, is if you have good enough credit, open a new credit card with a lower rate, and transfer your balance from Citi to that card. Or, you can call Citi, and tell them if they do not revert back to the old interest rate, that you will be closing the account and demand they put the interest back where it was and you will pay off the card at that interest rate.

Citi group is filing for reorganization, equivalent to a Ch 13 personal bankruptcy. They aren't liquidating their assets, they are reorganizing their debt to pay off their creditors. One way to do that is to extort as much money as possible from their credit card holders so their share holders don't lose their money.

All CC issuers are jumping the gun before the new law takes effect (preventing this type of activity).

You might be able to close your account to new purchases and retain the old interest rate. See the fine print.

Wouldn't it be wonderful if EVERYONE stopped using credit cards and went to CASH only (except for cars and mortgages). The banks would lose $billions in interest and extortion fees and the FICO scoring system would collapse.

Well they are trying to get every dime they can. Bank of america is also doing the same thing. From what I heard obama is putting a stop to this. It use to be that you only got that kind of interest rate if you were past due. It's no wonder why people can't pay there bills. The company's are making people go bankrupt.

your only option is to close the account within the 30 days. You don't have to pay it in full then. I think you have up to 5 years to pay it off.

I agree they are robbing us blind. They will continue to do this until people break their dependency on credit cards and close their accounts.

They are increasing the rate because they will not be able to increase it after the new law gets in to effect.

You need to rip up the card. Look online for cards that don't rape you.

It will help solve our economic issue.

everyone that is looking at my answer,remember the quetioner is a whore

If you think its such a good idea then do some market research, write up a convincing report, and start talking your elected officials.

Religious beliefs aside, I don't see how it will benefit society to increase the operating expense of churches and make it harder to start new churches. Even if you don't personally believe in God or attend church, you cannot deny the social benefits of churches.

You are living in a one dimensional world. If we taxed churches they would not be able to provide all the services they do now and it would take two tax dollars to pay for what churches can do for one.

what makes you think that will solve the problem?
I don't know a whole lot of churches who are so wealthy that taxing them would make a big boon to the economy

Silly question really I suppose, and someone will shoot me down, I'm sure. .... But -why do we all let the banks have our money at 0.5% interest (if we're lucky) and pay tax on that so they can pay themselves huge salaries and bonuses, for lending (our) money to others at high interest rates? - What's the point?

Why don't we all just draw our money out in cash, rent a deposit box and just put it in there for safety?

No interest, so we don't pay tax.

The banks can't lend it out, so they need to have it so have to offer a decent return to persuade us all to lend it to them again.

There must be a catch, but I can't see it. After all, inflation (UK) is pretty well zero or negative now, so we have nothing to lose...
Well, -have we?

Banks don't need to pay us interest.
Last year they made 40 billion in overdraft fees.
Heck, with those profits - they don't even need to make loans.

Thank the idiots who keep overdrafting and making windfall profits for the banks.
/

They ARE paying 'proper' interest. The fact is 'proper interest' is DEFINED by what they have to pay in order to attract enough deposits to meet THEIR needs. If they need more deposits than they are getting, they increase rates to attract more.

Interest rates are at record lows. I don't see any of the people that are refinancing their mortgages complaining. How much of an interest rate can you expect when mortgages are at 5.0%? You have to take the good with the bad.

Why don't you just go to a credit union? Mine offers 6% on checking.

Yeah, go ahead and do that. Ruin the banking system. Make the current recession look like a walk in the park. When all the banks go bust, where you going to get a car loan, a home loan, a student loan, a business loan? Moronic ideas like yours make me better understand how we elected a buffoon like Obama. If you think you have this idea so good, go to www.prosper.com and loan your money out to people who can't otherwise get loans at high rates and tell me how it works out for you.

That's why I opened an online high interest savings account. Until the interest dropped to 1.5% then I invested in some bond mutual funds.

If I order a playstation 3 for $299.99 that exactly how much I would have to pay at Amazon. Stores like GameStop tack on an extra $30 sales tax.

You only pay sales taxes on purchases made from stores that operate in your state. Unless, Amazon (or the seller that is selling through Amazon) has a physical location in your state then you will not be charged any sales tax. This is one of the many reasons I choose Amazon..... also the free super saver shipping!

Online businesses are considered as old-style catalogue businesses. They can ship state-to-state and not collect sales tax.

These types of businesses are only required to collect sales tax where they have a business presence in a state that requires them to collect sales tax in that state.

Currently Amazon is only required to collect sales tax to items sent to Kansas, Kentucky, New York, North Dakota, and Washington State.

By the way, in most states with sales tax when you buy something from Amazon and don't pay tax, you are supposed to fill out a form and send the tax in to your state yourself. Some states have even added this form to their income tax return. Yes, I realize that the number of people who do this is very very very small.

The only time you must be charged State Sales tax is if the seller has a store in your state. If you order from Target, Sears, JCPenney, etc. you will be charged Sales tax since they have stores in all states. The seller only charges sales tax to people who are in the same state as the seller.

If you order it & go through the checkout, once your address is added it will then determine your states sales tax & charge you that rate.

They get the money from the person who is selling it, so they don't have a need to put on the extra sales tax

And secondly by increasing their borrowings they are jeopardising the worlds financial structure and loosing face with the whole world.Ten billion of debt can not just be wiped out by the government that has no money.The losses must be taken by those who caused the problem.The American citizen who must accept a lower standard of living in my opinion

Because they have "Mad Cow "disease from eating too many burgers ! Their brains are fried !

Because the Chinese and others continue to buy their bonds to enable them to do it.

If they didn't it would unbalance the whole worlds economy and we would all be worse off.

At some point in the future there may well be a run on the dollar as they can't keep increasing their borrowings indefinitely, interest rates are also unlikely to remain so low - when they rise the US consumer will be hit hard.

There is a well documented method of wiping out debt .. it's called INFLATION (look it up) ....

For a Government to create Inflation, all they need to do is print money ... (the UK Government calls it 'Quantitative Easing' ... the idea being that 'Joe Public' is too thick to work out what that means .. )

Because Obama doesn't like this country and he's trying to dismantle it.

The dollar has strengthened this week but this has caused commodities such as crude oil and copper to decrease in price, why is this?

The only way the value of the dollar can ever have an affect on anything in the US is against other currencies. So you have to think in terms of overseas trade, and how able other countries are to buy your goods at your dollar rate.

okay i hope this isnt confusing
but you have to think of the worth of a dollar as something other than $1

im going to try and use an analogy
if 1 dollar equals 2 units
and crud oil is worth 12 units you need 6 dollars to get crud oil

if 1 dollar equals 3 units (increase in the dollars worth)
and crud oil is still worth 12 units you need only 4 dollars to get crud oil(decrease in price)

basically the stronger the dollar is/the more it is worth. they less of them you need to equall the same value.

that probably made no sense to you but i hope it helped.

Sometimes the reaction is not so quick. Strong dollar generally means less dollars available, therefore the dollar is worth more and Gold becomes a bit less valuable in terms of US dollars. (This may interest you. Last week I did a little research in order to answer a question here. The price of gold in 1840 was $20.73 and I figured out the US dollar then was worth 51 times what it's worth today)

You need fewer dollars when the dollar strengthens. That's why commodities, which are sold in dollars, drop in price.

Because they can.

(Seriously. The bank who owns them sees a chance to make a profit, so naturally they're going to take it!)

If you stick with only ATMs in your own bank's network, they won't charge you those fees.

These ATMs are owned by third parties; not your bank. They are sort of like real estate agents who don't own the house they're selling, but get a commission on the sale.

If you use an ATM owned by your bank, there shouldn't be any type of charge.

Also to cover operation cost.

So they can make money off of your transaction.

..aren't they just creating a self fulfilling prophecy by dumping their shares like panicky idiots? yesterdays 3Q report was favorable and the DOW jumped but it plunged back down again today, totally negating thursdays jump

why the hell do people dump their stocks? could this whole financial mire be caused by people's idiotic and panicking nature? don't they engender that kind of economy by behaving this way? wouldn't everyone be better off if people stopped making these idiotic knee jerk reactions?

You have hit the nail on the head! As individuals, most people are reasonably smart (in the scheme of things!), but as a crowd people are generally stupid; taking this into consideration, contrarian investors do the opposite to "the crowd", buying as the price plummets and selling when it is "racing up" (assuming it's a good quality stock).

Contrarians generally make more money in the long run...

Compare how much better $10,000 invested in Janus' Contrarian Fund has done since 2000 compared with the Dow:

http://finance.yahoo.com/echarts?s=JSVAX…

I agree, but I understand that when people have a lot of money down, say $10,000. To them they are winning if they can save $9,000 of it.

The top 50% of taxpayers pay 97% of all federal taxes.

How could this be considered unfair to the poor and middle class? The poor and middle class only pay 3% of all taxes, whereas the rich pay the rest?

How in any sense of the word does that make it "unfair"? If the tax system is unfair to anyone, it's unfairly punitive to the rich!

40% of working US adults pay ZERO taxes, and a high percentage pay a negative amount of taxes, via the welfare/food stamps/Medicaid benefits they receive.

Where do people come up with this stuff? Are they really that mathematically stupid or do they think they can fool otherwise-ignorant people into believing the rich are somehow benefiting.

My father makes $250,000 a year and pays $118,000 in taxes. It would take me three years to earn $118,000. So how is his tax burden "unfair" to me? That's impossible!

They also tend to overlook the fact that the 'rich' are the risk takers and the business owners who employ them. They create jobs for people and have take the responsbility of ensuring pay packets at the end of the month. You don't stay rich by hoarding money, but by ploughing it stright back into something productive. They deserve all the help they can get.

As a function of the amount of wealth controlled, the wealthy pay considerably LESS than their "fair share" of income taxes. The top 10% of all taxpayers pay about 85% of all taxes but control over 95% of all wealth.

There's no way that your father pays $118,000 per year in income taxes. Even if he's single and has no dependents, his Federal income tax liability would be less than $65,000. Even in the highest tax states his state income tax liability would be on the order of $20,000 or less. Even if he is self-employed and paid around $19k in self-employment taxes that is well below $118k.

Well, to begin with, you sometimes talk about apples and sometimes talk about oranges and compare the two -- sorry, that doesn't work out mathematically, maybe that's why you are confused.

The top 50% of taxpayers who supposedly pay 97% of the taxes includes corporations as well as well-to-do individuals. Since these large corporations make mega millions of dollars, they pay big bucks in taxes (even after all the tax breaks Congress gives them every year). So you can't compare this figure to poor and middle class individuals tax since you are comparing substantial corporate taxes against individual taxes.

I certainly don't know where you came up with the figure that the poor and middle class only pay 3% of taxes. Since the lowest tax rate is 10% and the highest is 32% on what is now considered upper middle income, your estimate seems way below the bounds.

And, isn't it a little unfair to include people living on social security and small retirement income in this category of "poor and middle class?" In order to get to your calculation, you would have to include them and all the welfare families in this category to get the tax rate this low. Since none of these people are earning a wage, it is grossly unfair to include their meager incomes into the middle income category. This only achieves a very unfair low rate of taxes without providing an accurate picture of anything.

Why don't you break out the "middle income" families and compare their total gross incomes and total taxes paid. Then find out what the highest income individuals had in total gross incomes and the total taxes paid. I would bet you that the middle income families are paying a higher percentage of income as taxes than the wealthiest families in the US.

One reason the wealthy pay less taxes is that interest and dividends are taxed at the flat rate of 15%. Who collects the most in interest and dividends? The wealthy!!! This means that the majority of their income is taxed at 15%, not up to 32% as wages are taxed.

When the flat rate tax on interest and dividends was enacted under George Bush, it was determined that average citizens would save $11.72 per year, while the 1% of wealthiest would save over $700,000 per year. Do you see any discrepancy in that ratio?

If 40% of working US adults pay ZERO taxes as YOU STATE, then they are working for minimum wage (or less), and are trying to support kids with it -- you try it for a while and see how easy it is. I don't know where you got this figure, but it is WRONG.

Where did you get all this STUFF you are spouting as real -- none of your figures appear to be verifiable. Maybe others are not as stupid as you claim they are.

Maybe you should seek better, more accurate, statistics and learn how to read them so you get a clear picture rather than take some of the garbage statistics that are circulating today. It's a sorry state of affairs that persons on TV and radio are making millions of dollars to spew out nonsense data like you have just repeated. They do it to stir up trouble and make their ratings higher so they can demand more money -- less than honorable motives -- don't take their garbage for real facts.

As far as you father is concerned, the highest federal income tax (32% after standard deductions and exemptions) he would pay is $71,000+ on his income; where he is paying the other $48,000- you don't say; but this is very high for state taxes.

When Tyson and Cargill give rides to their illegal immigrants, they don't get taxed on that benefit. A self-employed business man deducts his expenses which might include a fleet of vehicles. So, why do employees have to pay tax on a vehicle that is used for getting to work and back?

If your employer provides you with a car and you use it for other things than business use, you pay tax on the non-business use. Commuting to and from work isn't business use.

This is because most American individual taxpayers will not be able to document what portion is used for work and what is for personal, and even if they can, it is too much work for the IRS to track that it wouldn't be economically feasible for them.

If allowed, this type of deduction will have everyone trying to claim it, and without good documentation. It will never happen.

I need a credit check on myself. I have done this in the past, and never needed a credit card number.
Does anyone know of a free credit check without giving a credit card number?

if you are looking for the free credit check usa national site, check out this site

http://free-credit-check-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

Because it's not really free! You have to sign up for an expensive and fairly useless credit monitoring service to get your "free" credit report. While you can cancel the service during the "free" period (typically around 7 to 14 days) it can be difficult to figure out how to do so. Many of these services will bury the instructions in file print during the sign-up process and if you don't write it down separately at that time it may be nearly impossible to cancel the service quickly enough to avoid the charge on your credit card.

You can get a really free copy of your credit report -- once each year from each of the Big Three reporting agencies -- at http://www.AnnualCreditReport.com

https://www.annualcreditreport.com/cra/i…

you can use this site once every 12 months, totally free.

it wasn't a mistake on the bank's part - Online they have an actual picture of the deposit slip signed by the creep - with his name and everything! I don't know this guy or anyone with his name at all. worried :( Was it a stranger being nice and doing a deed (but 50 cents?! WTF) or was he doing something fishy? Could he be trying to hack into my account somehow? PLEASE HELP, thanks!

You'd better change your account number because obviously he has your account number to make a deposit. That may have been a trial run with a small amount to see if he could do it; he may be planning a bigger transaction next time.

ANYONE can deposit into your account if they have your account number, so consider the message from the depositor. You MAY want to consider changing account number, but be advised that NOT just anyone can withdraw from your account just because they have the number. Talk to a bank officer about your security concerns.

PS--do you KNOW the person who made the deposit ? Maybe it was just an account number error on the deposit ticket.

You should ask the bank to put a password on your account. I would be concerned that the perp is planning to make a withdrawal from the account in the future.

Realize that your account number is on your checks. Any person you give a check to will have your account number. I would avoid giving checks in lots of situations for this reason (day laborer, etc.).

OMG that is so funny, wtf lol, leave it be your 50 cents richer man!!!, what if next time he puts in 10000£ , he might of just felt like doing something random.

yer he could be trying to hack in so mabey you should see a finacial adviser at the bank and just ask about your security of your account im sure they will know what to do.

This could indeed be bad news. Your best option is to immediately close the account and then simply open a new one. Using the same bank is ok. It is a hassle if it's a checking account, but the peace of mind could be invaluable.

maybe he had the wrong account number.

you should at least notify the bank, so that they know about it.

and i would not worry much about it, however if it happens the second time, i would definitely file for a banking complaint.

Talk to a manager at your bank before you do anything drastic,

*random

Beware somebody may have hacked your account and the 50 cent in your account could be a test amount which may be followed by larger withdrawal.

It is possible you made a mistake on a deposit slip and omitted the 50 cents on a check. Tellers must reconcile their station every day and find any mistakes. Sometimes they send a notice of deposit correction, but not always. There also is no uniform wording for the adjustment. I've seen it many times on clients statements.

Have you talked to the bank about this?
How do you know it isn't a mistake by the bank?
Whatever you do, don't spend the money.
If it's a mistake the bank has 6 months to take that money out of your account without ever notifying you first.
/

Judy what could you buy for 50 cents. Check with the bank, they can tell you want happened. All this over 50 cents!!!!!

STRANGE.

Call the bank and get it removed.

They was a question on here from another user on settling his debt. He said he settled with other creditors for half what he owed but american express wouldn't settle for less than 85% of his debt. Well he wanted them to take a lump some of 50% and they refused to take it.
If you have they money to pay the lump somes to all these creditors,why can't they pay what they owe.
If you can't pay your credit card bills you have 2 options. 1 Debt management the other bankruptcy.

I saw the same question and was appalled by his attitude like "How dare they refuse to settle at 50%"!!! My personal thought is that 90% of society has lost their sense of financial responsibility. They act like spoiled 7 year old brats who pout until they get their way. This is the same population of people who rushed out to buy a house at the height of an obvious housing bubble, but now want the bank or the government to help them out because they cannot be responsible enough to man-up to the debts THEY signed up for. No one seems to think that there is or even SHOULD be consequences to being irresponsible with someone else's money.

Yes, I bought at the height of the housing bubble, not knowing what the future would hold, all I knew was that the apartment I lived in went condo and I was forced to move. Afraid the same thing would happen again, I bought instead of renting.... it is expensive to move after all. Report Abuse

so I got married, had to move, tried to sell for 2 years, got divorced, had to change jobs, work on commission, lost my house, filed bankruptcy, moved to home town, made 16k so far this year.... so NO I was not irresponsible, I made some bad decisions. 1-buying 2-marriage 3 changing jobs-no choice Report Abuse

Nice day for a rant.

Do you have a question?

Because the company still has a lot of issues. The little rally that you saw a few weeks ago is nothing but false speculation. The government still owns 70% of the company. Look at their earnings. It's horrible.

The simple answer is that there are more sellers than buyers.

It has been declining for several days, attracting more sellers and accelerating.

You'd be surprised how often this same question is asked every day for every stock. Much of the time, there is no answer other than that given.

Econ 101: in a free market, price is determed by supply and demand. There is very simply more supply right now than demand.

This is not a one-day "dip" as you suggest. This is steady price erosion. Face the facts that it may not be worth $40, develop a plan, place a Stop. Nobody knows why, and there doesn't have to be a "why."

The possible answers to "Why" are too numerous; take your pick. Because it ran up too far, too fast? Because the stock market is declining? Because the economy sucks? Because the Fed is printing too much money? Because the latest PMI survey was disappointing? etc., ad nauseum.

billionaire drowned in his pool

The manufacturer and to a lesser degree pharmacies.

What are the smartest and best companies to buy stock from? Why?

let me tell you which stocks you shouldn't buy in the short term

AMZN, AAPL, GOOG

WHY? not because they are bad company, they are the best out there, but they are now too expensive please wait for a pull back (happening now)

you can't be just asking people on yahoo and expect you would make a killing in investing in stocks, you will lose money

you need to go to barnes and noble and start learning on basics of stock investing and how to read company foundamentals.

right now i wouldn't buy any stocks, people who want to buy stocks because everyone else is making money are likely to get hurt when the market pulls back.

the market has been overbought, wait for correction. then invest/or trade

stocks I recommend:
MSFT, AAPL, INTC, GOOG, LVS, BAC, JPM, GS, QQQQ, RIMM, XTO, COP, JNJ.. there are more out there i just can't remember all the tickers

I suggest you buy companies that you know and see everyday. If you love a mac computer and ipods get apple. If you like wearing aeropostale buy aeropostale.

If you like disney movies buy disney and the list goes on. It makes it more fun to invest in companies you know well without doing lots of research and reading the wall street journal. No analyst can ever tell you about the gap stock if you shop there faithly.

Investing for money is nice, But you have to fun with it as well

Google and Apple seem to be the smartest and best companies, but both stocks are too expensive by any measure. If you have a long-term horizon, I would suggest buying QQQQ that tracks all major technology company shares.

Put ALL your money in a single stock so if it goes way up, you will make a killing!

If you are asking the question on Yahoo! Answers, you probably shouldn't buy stocks at all!

sell short!

berkshire hathaway, chevron, budweiser

mostly u need to diversify ur stocks, so if u do get hit, itll be less of a loss

Johnson and Johnson (NYSE:JNJ). 80+ years of double-digit growth!

ITS MAX NEW YORK LIFE INSURANCE

In Life Insurance Segment certainly it' s LIC of INDIA.

Rated as the best in claim settlement in world. Best as chosen by people.

declared as Most Trusted Brand. by The economic Times intelligence group and A.C. Neilson ORG Marg, Survey-2003-2008.
Having the cutomer base of more than 25 crores policyholders.
Having the life fund of more than 8 Lakh crores.

Having a promising team of 22000 Development Officers and more than 15 lacs agents.
And above all . The only insurance organisation that is honouring the faith of common people.

It is too subjective. It all depends upon the services provided by the insurance company. In life insurance, Insured would only know after death. So who knows. But in General Insurance - You will get the answer with your health claim or Car Insurance Claim. In my view -
Life Insurance - LIC, ICICI Pru
General Insurance - NIC, New India, Iffco-Tokio

There are lots of good companies. There is good and bad in every company. But try the big ones first, like Farmers, State Farm, Allstate, ect.

Just call some local agents and find one that you are confortable with.

if you live in palmetto, parish, Bradenton, or Ellenton Fl then got to this website
http://www.myaainsurance.com/

Best for cats? Best for houses? Best for Florida?

How do you define best? Cheapest? Biggest? Most coverage?

There's no short cut. You have to shop around to see what's best for YOU.

LIC of India is the world number 1 insurance in claim settlement. Most trusted govt of india organisation having 56 years of exp and with 9 lakh crore fund collected till now.

Trust LIC. Insure yourself. contact lic.ananth@yahoo.com

LIC OF INDIA.

according to claim settlement LIC is the best

East Or West, LIC of India is the best

LIC

There is no real way to answer this question. Any of them can be wildly profitable, any of them can wipe your account out completely.

It comes down to trading methods, time horizons, and the amount you wish to risk.

For Warren Buffet, stocks have been most profitable. For George Soros it has been currencies. For Lewis Borsellino it has been futures. Options - well, options are the poor man's race track. Just kidding, don't know any large option traders.

That being said, options limit your risk to a degree but also limit your reward, stocks have very little leverage which demands you have more funds, and both futures and forex allow so much leverage that you can make money insanely fast or blow your account in a couple of days depending on how you do.

Forex tends to trend nicely, which is great if you're a long term trend trader. However it's an unregulated market where 99% of the brokers are absolute crooks.

Futures contracts expire anywhere from one month to three months out, which means it is harder to trade "long term". Same goes with options. However, futures have significant tax advantages over stocks, which can help tremendously when that is factored into the equation.

Stocks - buy and hold has turned into buy and hope.

Hope it helps, from someone who has traded all four and stuck with futures.

make good money with genuine hyip 1-3% daily check out http://www.geniusfunds.com/?c=243425 Report Abuse

Options can be risky but if you start with strike price near current price stock is trading and do 1 month option, you either make real profit, or at worse, lose commission you put into account. There's a maximum you can lose, and the higher (or by puts - lower) the stock rises above your strike price, the more you profit. Good Luck!

what if your money makes you 1 - 10% or 10% to 200% per month
with no risk at all,what if you dont need to work and just enjoy life
what if you can watch your wealth growing while you are having fun
visit
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google for forexearocks

Can anyone let me know the higher value of EURO dollar and US Dollars? My supplier asking me to pay EURO510/ton but when I insist i wanted to pay USD510/ton, he says he loses his profit if I pay him in US Dollars? Whih is correct and which is wrong?

At the time of this answer, it would take 1.475 US dollars to buy 1 euro; alternatively you could state that 1 USD = .677 Euro.

So if you paid him in USD and gave him $510, it would actually be giving him the equivalent of 345 Euro when he had to exchange the USD for Euro so that he could spend it. If he is based in the European Union and the asking price is quoted in Euro, he would indeed be losing quite a lot of money to accept USD on a 1-for-1 basis. It would take $753 US per ton to give him his 510 Euro per ton asking price.

This is the disadvantage of a weak dollar right now - it makes it much more expensive for US Citizens to buy a product from the European Union or Great Britain. The flip side for them is that it is much cheaper to take their relatively more valuable Euro or Pound and buy our goods, which can help US exports.

I sourced you to a currency converter which will allow you to determine what the exchange rate would be if you instead went to your local bank or used a credit card - this would cost you even more than the prices quoted above, which are based on the current spot market.

TATA.RIL, BSNL which is best to provide good speed to trade online and best for me to browse day time for atleast 5 hours a day please help me

BSNL it is !

The EVDO card provides upto 2.4 mbps and its 250 a month.

Remember, you should always take the whole costs into account - Registration Charges, Activation charges, Usage and Download Charges.

Best of luck for your puchase and business.

Tata and reliance - the speed is good but it is very costly and if you can try bsnl i can say it is the best.

Bsnl - unlimited can cost you around 775 with takes it comes to 850 for 256 kbps. Airtel can cost you 900. But In tata u can have prepaid , say your usage is just around 2 gb for 6 months then it just cost you around 2500 for 6 months for 512 kbps. If u have hathway in your area try it , it is the best and cheapest. ,

bsnl for sure

bsnl is the best

The Euro is the official currency of 16 of the 27 Member States of the European Union (EU).

The European Union is composed of 27 sovereign Member States: Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom.

The European Monetary union is comprised of 16 of the 27 memberstates of the Euopean Union. Every member of the European Monetary Union has the euro as its currency.

these countries are:
Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain

all other countries in the european union still have their own currency! The United Kingdom for example has the Pound and Sweden has the Swedish Krönar.

the 8 countries remaining are obliged to join in due time. only sweden has the option to opt out of the euro.

Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.

Most of the west european countries exclude UK .

What field are you looking at? Pep Boys is a national company and is always looking for entry level at the stores, and some in the corporate office in Philadelphia.

The Dow lost nearly 250 points today (Friday) to wipe out all of October's gains. But what will the market do next?

Register your predictions now. On Monday evening, the winner gets 10 points.

The Dow will close at 9810.

To the above. You said that the dollar is getting weaker. Surely that is a sign of recovery in this world? The United States is the dominant economy of the world and when it is experiencing inflation it's usually seen as a good sign.

The government stimulus may be causing a fair bit of the inflation (assumption) but according to the economic models we use today that's a good thing.as well. You can't tell me that government spending is leading to this kind of wave of confidence which should end soon. Government spending should cause a positive multiplier, which it is doing to sustain a positive atmosphere in the economy.

The Dow Jones isn't going to continue its fall on Monday unless there is a major loss for one of the top US corporations.

It's more likely to be up by 20-60 points. A stale day with mixed attitude I say. Remember we have positive news in Europe, that'll play a big role on the Dow on Monday.

The future of the markets is nearly impossible to predict when there's this much volatility though. I'll go with my hunch based on the news which is around today.

Up 20-60 basis points.

I say it'll drop 300 more points.

Nobody knows of course, but I thing people are beginning to understand that this "The Recession is Over" hoopla is a lot of "happy-talk." The dollar is still weak, profits in business have come from government stimulus money and cost-cutting. The only job-growth has come from the government. The American consumer is not ready to spend yet.

I'll happily be proven wrong.

I'm just starting out in investing in stocks. I'm starting out with just a few shares.

"Least expensive" usually is a company that caters to the more experienced trader. The money you save will be insignificant to the mistakes you can make with no support.

I do not want to rain on your parade but unless you have $500,000 to invest over 5-7 years you should not buy individual issues. Use mutual funds instead. I like Vanguard's S&P 500 Index Fund #40.

Less than $500K will not let you diversify. You need at least 20 issues in different Industries to be diversified

What is your trading plan. Why do you think you will be successful. Most beginners get wiped out by making trading mistakes, like having no plan. They don't get wiped out by paying a couple of dollars more in commission, yet, that's what they worry about.

I use Scottrade. It has low commissions and great tools to help out in investing.

the only thing i see that could be close to is mine says "VALID THROUGH 6/14

im trying to order online and it says to put an expiration date the month and year, and i have no idea where?

It says "6/14" which means it expires June of 2014. so the year to put into ebay is 2014.

Here i s an excellent site with some wonderful options for you. It will definitely help you. Have a look. http://fin365.100webspace.net/r.php?qid=3AATwcK

you should be able to see the expiration date on any credit card right on the front of the card and right under your name silly :)

im guessing your card is VALID THROUGH 6/14

what region/countries demand mutuals funds etc the most?

sources would be appreciated.

Thanks

The areas with the highest income and employment rates.

...or is it better to sell them on eBay? It would really help me out to just exchange them on Monday though because the rent is due and this would help me out a whole lot.

Go to the airport, there are foreign exchange counters there!

If a U.S treasury bond is considered risk free by virtue of the government's backing, what is the risk? I read there is risk associated with interest rates.
What does that mean? What is the relationship with interest rates to bonds where risk is concerned? Anything at all on this subject will help. I can't find anywhere to find this information.

This is a complex area, but the simple explanation is that if interest rates go up, then bonds you hold at the old interest rate lose value.

If you have a bond that pays 3%, and new bonds pay 4%, people will want to buy the 4% bond. The only way you can get them to buy your 3% bond is to lower the price of the bond by about 1%, which has the effect of making your bond pay 4% also.

There is essentially no interest rate risk if you hold bonds to maturity, since you will always get the full value that way.

http://www.investopedia.com/terms/i/inte…

Scroll down for other related topics

I have been rejected by a couple of places and need a place that can find a place that will accept me.

Here is a place that should be able to help you. You just fill out all your info and then they match you with different payday loan companies. You will only get the place that will accept you. Good luck....Hope this helps.

http://kuhdi.com/click/?s=105133&c=17897…

Wanted to update. Here is another place the finds lenders for you.

http://www.mb01.com/lnk.asp?o=2592&c=918…

where can i get the annual report for Burger King? i dont want to have to print it out, where can i go so that i will be able to get it sent to my house

You can view their annual report online and download it to your computer at http://investor.bk.com/phoenix.zhtml?c=8…

Click on the Investor Relations link on that page to request a hard copy by mail.

Ive heard that i can get a loan or funding with my business tax id is it true? where can i get information?

"Ive heard that i can get a loan or funding with my business tax id is it true"

No, you don't get a loan with your business tax ID. Your business, if it is a separate entity, might be able to secure a loan. Just like a person, the business credit history will be reviewed. In the case of a small business, your credit history might also be pulled and you might have to personally guarantee the debt, regardless of how long your business has been in existence.

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Mrs jene hansor
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My name is Petty Ken. I am from United State of American, for the past 5years now I have been experiencing breakdown in my furniture’s business that was down by bank and montages, Not until I came across this Man called, Mr. Michael Lancer Loan Firm on the internet who grant me a loan $150,000 3days back to start up my business again with just 3% my business came back alive, I am doing very perfect in my business. Please I want you all to help thank this God Fearing man with sympathy mind. You can contact him via this email address below:
micheallancerloanfirm@ymail.com, micheallancerloanfirm@hotmail.com

My name is Petty Ken. I am from United State of American, for the past 5years now I have been experiencing breakdown in my furniture’s business that was down by bank and montages, Not until I came across this Man called, Mr. Michael Lancer Loan Firm on the internet who grant me a loan $150,000 3days back to start up my business again with just 3% my business came back alive, I am doing very perfect in my business. Please I want you all to help thank this God Fearing man with sympathy mind. You can contact him via this email address below:
micheallancerloanfirm@ymail.com, micheallancerloanfirm@hotmail.com

Only your local bank can answer this question.

If the business is brand new (less than 3 years in business), the bank will want you to personally guarantee the loans.

Contact your local financial institution.

I am an absolute beginner at this, but would like to know how and where to start.

There is a course/book called The Ebay Auction Success Kit it includes 9 different ebooks on how a beginner can become a successfull Ebay seller. The kit will show you the following

How you can start selling in under 10 minutes!
How to get the highest bids and maximize profits!
How over 25 successful Powersellers have generated easy profits from eBay!
Savvy buying, selling, and business advice from eBay Experts!
Numerous verified and proven tips to faster eBay profits!

Also included

Bonus eBook: The eBay Reports
Bonus eBook: Auction Explosion
Bonus eBook: 101 Auction Secrets Revealed
Bonus eBook: 1000+ Killer Internet Tips
Bonus eBook: Automated eBay Money Machine

And much much more.

I hope that this answers your question and I hope you take a look at the site.....You have nothing to lose and everything to gain! Best of luck, Mark


The link is....

http://hjlas.com/click/?s=105133&c=12245…

I second renting a book from the library. Some of these so called "ebooks" are in fact spam. Try checking out reviews on Amazon.com to see what other readers thought of the book.

Our local library has a book called Ebay for dummies.
I bet you any bookstore would carry it too.
Go to the computer section of your bookstore.
/

I am curious of exactly what our taxes pay for and the percentages that each go towards.

There is a pie chart in the back of each years 1040 book.

Maybe this will help:
http://www.whitehouse.gov/omb/budget/

Hello :)

I ordered a tote and a sweater from abercrombie on october 30. Today they said the clothes left the warehouse and I can track it. I check the website and it says estimated deliver Nov 5th. I choosed standard delivery. Is it really coming tommorow? Is coming from Ohio to New York by the way. Please help :)

yea it should, if thats what it said. Maybe the 6th at the latest.

Me, I do both, I go with my instinct but I do my research first and if I see something that looks like it's not very effective. I won't invest in the stock. Simple as that.

hi there !!


yes mostly everyone will go by both instinct and some research. Inface more than instinct, Research is important while investing in stocks specially the blue chip assets......

Some home-work, some research, some analysis and some observation with strong instinct will work wonders.....


all the best !!

Every investor utilizes both to some extent. But a good investor uses research, analysis and reason much more than his instinct. Ideally, you should never buy a stock just because you have a gut feeling that it's going up, but then we're all human.

I use my Eight Ball. Actually, I use my instincts to gather stock or funds I like, then I research those. Especially when they make products i really enjoy. Happy Hunting

definitely research

can i get a extention in arizonia

I believe UI benefits have been extended to one year.

Don't forget that your benefits are paid out in 13-week increments -- when the first 13 weeks are over, you are very likely to get a reduced check of the remaining money in that quarter -- and they WILL NOT warn you about that, so be prepared, it really sucks when you are not expecting that. Report Abuse

call your state's unemployment office for those details

strikes going before this?

They have been going on for months, I think the first one was in June

Many bond funds pay out monthly. Many stock funds pay out quarterly. Many international funds pay out yearly. But it can all vary with the fund. Funds usually pay out capital gains distributions in December.

what if your money makes you 1 - 10% or 10% to 200% per month
with no risk at all,what if you dont need to work and just enjoy life
what if you can watch your wealth growing while you are having fun
visit
www.myfxfunds.com
google for forexearocks

Some pay out every month, at the end of the month.
Others pay every 3 months.
A lot pay out in the last week of December.

Example: Drawer writes a $5,500 check, drawn on Bank A, to Payee. Payee has an account at Bank B but not Bank A. If Payee simply endorses the check and deposits it into Payee's account at Bank B, the deposit may be held for several days. Can Payee avoid having his funds held by simply presenting the endorsed check to Bank A, immediately obtaining the cash, and then depositing the cash into Payee's account at Bank B (assuming Payee is willing to carry around that much cash)?

If you take a check to the bank that it is drawn on, they can immediately verify the customers signature and see if there are funds available in their customers account. They could then cash it for you if the money is there and you could deposit it at your bank (anytime cash is deposited, it is available immediately. If you take it to your bank to deposit, there is a chance that they will place a hold. Hope that helps!

Ok you will really didn't have to type all of that but if the person that writes you a check give you cash then no you don't have to wait the period. The only reason they make you wait that time is to make sure the check goes through.

counted as income and will it effect the amount I receive from IDES as compensation

Unemployment only counts income from employment (not benefits) when considering claims. You will receive benefits based on a percentage of the income of the job you lost, regardless of other income you may receive. Go to the Department of Labor for Illinois and look over the section on Unemployment Benefits for more detail on benefits calculations.

Dear Larry: Lot going on here!

IDES has a great website and you can call toll free at 800-244-5631.
The website also has some FAQ's as well as many related topics for your situation.

This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided. Click on my profile to read more. Errol Quinn Enrolled Agent

When a credit lender declares bankruptcy, the bankruptcy court appoints a receiver. This is an indepentant party which handles the finances of the bankrupt credit lender, and it is done under the supervision of the bankruptcy judge. That party collects money from the borrowers, and uses the money to pay the outstanding bills which the credit lender owed.

In many cases the lender is only a servicing agent and does not fund the loan. If the servicing agent folds and is FDIC insured, the lender is taken over by the government and nothing changes. If the servicing agent is not FDIC insured and closes it doors, the investors that funded the mortgage will find a new servicing agent.

If the investors that fund the loan folds, other investors will purchase those loans and may or may not change servicing agents.

In any case, you will be notified who the new servicing agent will be.

When a lender folds then the business is bought off by another lender and you pay to them.

Don't worry... they will send you a letter explaining that they "bought" your debt and that you need to send the payments to such and such address from now on.

Sorry.... it doesn't just go away....

That's a pretty high return: 60%. I would say you need a salable skill and spend the 100k on tools of the trade.

You are not being reasonable. Even a 6% annual return on 100K would return $6,000 or $500 a month. You can't be naive enough to believe anyone would offer $5,000. a month when the current rate is closer to $500. a month. Get real !

Thats 60% annually. If there were any guarantee like that, nobody would be poor.

Honestly, learn to play poker. With that bankroll I could EASILY make 5,000 a month.

That is going to be hard. My best ideas are below.

Put it in a shoe box.. you can take $5K / month for 20 months.

now the math above might not be accurate but for example purpose what do you call when you buy 100 shares at a 1.00 then another 100 shares later at 50 cents bringing the avg spent per share down from the original price?
thanks

Twism;
Its called Dollar-Cost-Averaging.

dollar cost averaging

and this is the basis of regular investment plans.

you buy more when the price is down, buy less when up...

It's called swallowing your pride and buying more of what you lost money on cuz you know it's an even better investment cheaper than when you bought it the first time.

for a first time car owner, over 25 yrs old, and is in california??? my sis told me eastwood and geico ???

There's no "one size fits all" cheapest, and there's no short cut.

To find out who's cheapest for YOU, you have to shop around.

Try this site

http://affordinsurance.notlong.com

here you can compare quotes from different companies so you can find the best rates for you.

Right now, our system is that the insured are always covered and uninsured arent covered for major injuries/sicknesses. And if you get sick before you get insurance, no one has to insure you and you can't pay for insurance AFTER you find out your sick.

BUT, my teacher thought of a plan that he thinks would be better.
His system says that everyone gets covered, uninsured and insured.
You can pay for insurance after you get sick too. So why buy insurance? WHy not pay till you need insurance?/

Well there are consequences right? insurance companies will go out of busniess!!


So what would your proposal be? It can't be the same one as this. My teacher will mark me down if I agree with him. Please help?

my way too detailed to put in here as the insurance fix as not an easy thing. but your plan and your teachers plan would never work. the government can't properly run the two insurance plans they run now.

the government is receiving plenty of income. they are just wasting too much of it. all i can see are longer lines in the er and less doctors with your plan.

Being able to wait to buy your insurance until AFTER you plan on putting in claims, is called "adverse selection". It would be JUST like being able to buy a lottery ticket this morning, for the drawing last night. Who in the world would be stupid enough to GUESS the day before, when they could just wait, and have the winning number?

http://answers.yahoo.com/question/index;…

There's my favorite answer - not the "best" answer, but Spock's answer, if you scroll down a bit. This is the most impressive bit of reform I've EVER seen.

Free high deductible plans for everyone.
Ex: You pay the first 6,000 out of your own pocket.
This will keep families from declaring bankruptcy.
The government would pay the rest.

If you want supplenmental insurance - you can still get that on your own.
/

I would propose free viagra for men over 30. Thats all.

I don't understand. Here is the information from the IRS web site:

"Q7. How will the American opportunity tax credit affect my income tax return?

A. You will be able to reduce your tax liability one dollar for each dollar of credit for which you're eligible. If the amount of the American opportunity tax credit for which you're eligible is more than your tax liability, the amount of the credit that is more than your tax liability is refundable to you, up to a maximum refund of 40 percent of the amount of the credit for which you’re eligible."

That is confusing! Let's say I have $1900 of income tax withheld and I make $22000 this year. I spent $3000 on college tuition and books. How much will I get back?

Without knowing what your tax liability would be it's not possible to say for sure. You have not provided anywhere near enough information to guesstimate your tax liability. Your tax liability on $20k could vary from as little as $0 to as much as about $1,754 depending upon your filing status and dependency status. The amount of any tax withheld from your pay is irrelevant to the credit.

The maximum credit is $2,500, of which up to $1,000 can be refundable. If your tax liability was $0 the credit would be worth $1,000. If your tax liability was $1,754 you'd get the full $2,500.

Boston is correct about the max credit in your case. I blew that one! TFTP. Report Abuse

Actually both above answers are off by a bit. The AOC is 100% of the first $2,000 in eligible expenses plus 25% of the next $2,000. So with $3,000 of eligible expenses the credit would max out at $2,250 if your tax liability was high enough.

From the IRS FAQ on the AOC at http://www.irs.gov/newsroom/article/0,,i… :

Q6. How is the American opportunity tax credit calculated?

A. Taxpayers will receive a tax credit based on 100 percent of the first $2,000 of tuition, fees and course materials paid during the taxable year, plus 25 percent of the next $2,000 of tuition, fees and course materials paid during the taxable year.

If your tuition is $3000, you will NOT get a $2500 credit. It would be $2000.

So, if income is $22000.
$22000 with standard deduction, no kids, just you is tax of $1480, which this credit could cover.

However, if you are under 24, you will not get a refund over and above that. If you are 25 and older, potentially upto $800 is refundable.

A credit is a dollar-for-dollar reduction in your tax liability.

A deduction reduces the amount of income that is subject to tax. The tax benefit is the amount of the deduction multiplied by your marginal tax rate.

For example, if your tax liability is $2,000 and you qualify for a $1,000 tax credit, your tax liability is reduced to $1,000. If you qualify for a $1,000 tax deduction and are in the 25% marginal bracket, your tax savings would be $250.

a lien on it cannot be "perfected". that is the issue. a car can be repossessed because a UCC filing is recorded. A home can be foreclosed because a mortgage has been recorded. But that is not possible with a 401k account.

so a lender cannot give any value to it as collateral because they can never get their hands on it.

Because it is protected from creditors as long as assets remain in the account. Therefore, it serves no purpose as collateral. The only way you can borrow from it is if it is allowed by your plan with your current employer, and they can take it out of your pay. If you become no longer employed with that employer, the balance of the loan would become due in a limited time or it would be considered a distribution.

See IRS Publication 575

It is inappropriate becasue you don't need to use it as collateral.

The smarter thing to do is boorow directly from your 401K. When you pay back interest on the loan, you'll be paying it to yourself and it will be lower than the borrowing rate at the bank or another lender.

Your HR department or company plan's website will be helpful here. Fill out a loan application. You will only be able to borrow up to your vested amount in your 401K. However, any lender would not loan you more than the vested amount either.

Because it is a retirement account, not a liquid asset. You can't pull money out of it like a savings account.

if you need a loan - get the loan AGAINST your 401k plan - the rate will probably be cheaper than an unsecured personal loan with a bank

it is my whole lifes dream to have 1,000 for me to do what ever i want with.im 15.

what will you do with 1,000 and had no problems to take care of?

Options of purchase:

Laptop
iPod
A BUNCH of golf balls and a cheap golf club (hit the ball into the woods or pond or yard, etc.)
Open a PayPal Account (Free) and go nuts on ebay
Proactiv
iPhone (or other COOL cell phone)
Just spend it on food, and useless items from Walmart (like a sling shot)
Professional Slingshot - (Are cheap now, like $12)
Sony Stereo System (500 watts) - $99.99
iTunes Music
HD Flip Video Camera

Woow... 1,000 is not much money. Sounds like a lot but it would not pay one month's rent in New York. Okay, at 15 - I would put it in the bank to save for a car. You could use it as your down payment.

One thing I can tell you - if you don't know what to do with it - save it b/c soon enough you will wish you still had it. If you blow it on something that you absolutely have to have - you will regret it.

Good luck.

1,000 dollars? im assuming thats what u meant.

i would probably...
get a laptop
or
give it to charity
or
redecorate my room
or
shopping spree!
or
college money
or
buy a bunch of gifts for my friends!!!






















.

What are your thoughts?

The economy is too much in doubt right now to raise rates, if nothing more than it will have a negative impact on consumers. The consumer must come around as the increase in GDP was a result of massive government expenditures. If the consumer sits on their hands, this economy will sink into recession again. However, they will use some economic rhetoric to hedge all their bets by saying that they are committed to the growth of the overall economy while continuing to monitor inflation.

The Federal Reserve is intended to put everyone in the world in debt by creating money that doesn't exist. In the end, everyone in the world will be in debt and be forced to depend on the big greedy corporations that have bought out the majority of company's below them.

be prepared and don't help the corporations. Unfortunately it is too late to do anything because everyone will just be ignorant about what the U.S. government and corporations have been planning for over 60 years....

They will not change the rate but will make statements as to when perhaps they might start to consider raising them.

I think they may raise it just to stop hyperflation from happening. But I don't think they would do raise it too much because it might create a negative shock to the recovering economy.

I live in Knox County in Tennessee and I'm applying for a job. I'm a woman (Excuse the male thing, I'm on my friend's account since I have no yahoo), I am single, and I have no dependents. The job will pay approximately $40/day and it will exempt me from civil service status even though it's considered a job for the city. That's all I really know about the job itself since I only have the application as reference.

about 85% of your gross

I currently make right around 30,000 a year, I have one child and my wife is unemployed currently. What welfare benefits would I qualify for?

The 2009 poverty line for a family of 3 is $18,310. You do the math.

Every state has income limits for different types of welfare. You more than exceed that limit. Sorry.

Our country's debt currently is $110,000/tax payer.
You made $30,000/year, please help this country by not receiving welfare.

You make to much to get anything. There are people out there making less than you that don't get anything.

If you're employed and earning $30K a year, what makes you think you would qualify for welfare?

None