what do i need to be applicable, how long does the process take? im 18 and working off the books. i am also a parent
...............................................................................
This link will tell you how: http://www.ehow.com/how_6151_apply-housi...
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Check the site out below. However, before applying I would get a job where you have a provable income. You can file income taxes for what you earn even if you do not get a W2 form.

Filing taxes IS a responsibility and it is not legal to work off the books.

http://www.hud.gov/offices/pih/programs/...

My credit card is 200 dollars a month. I want to use my credit card for my rent. I want cash my limit is 1000 dollars. Can I just go to the bank and with drawl it or do I have to go to an atm? Or can I walk in to the bank. My pay check is every 2 Fridays.
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and I have no former job experience. I want to make sure I don't get ripped off here. So what is about the right amount to get paid hourly?
PS. It's a full day job for 5 days a week during the summer.
...............................................................................
Shouldn't they be paying you minimum wage for your state?
Contact the labor board, I don't think they can work you 40 hours ...


Any work you do and earn money is a Job.
Your options are limited. Most businesses want you to be 16 to hire you for gainful employment.

Time to be inventive, My suggestions to you:

Make up fliers and pass them around in your neighborhood.

Offer to do whatever work it is you want to do, such as :

Computer work, Babysit, Clean Garages, Organize Cupboards, File Papers, Wash Cars, Mow Lawns, Pull Weeds, Tutor the neighbors kids, wash Dogs, Dog sit, Clean the Pool, Assist the elderly, whatever...


Post first whatever it is you want to do or are good at ...
However, Keep your options open and make a decision after the persons call you instead of not giving them many reasons to call.

Say you are a student and available on weekends and all summer.

Your neighbors who might hire you do not have to be residents, they might be local businesses that need a little job done. Do not be afraid to ask and apply. You won't get a job if you don't try.
...............................................................................
Depends on what skills you will be using. If you don't know how to use Word and Excel and you will have to learn on the job, minimum wage to 10 per hour would be a fair level.

I applied again at the same store and I'm ready to work with whatever hours they give me but do you think they'll consider me again for employment?
...............................................................................
i dont think they will. if i was the manager i would be very cautious with anyone that even resembled you.
...............................................................................
You'll know when you show your face. I wouldn't go there again. You walked off the job on bad terms. They will remember and will worry that you will do it again. We are pretty much a dime a dozen and employers can pick and choose from so many people. That's the truth about recession.

I think we are going into a depression because the Republicans are pissed we have a Democratic president. The Republicans are the one who carry the money and since they are sitting on it, jobs are scarce. You have to change your attitude about jobs and take what's offered to you. You need to be more flexible, especially if you don't have childcare needs. Grow up!!!
...............................................................................
You should have thought of that before you quit!! If i were an employer, in today's economy, with so many people hunting for jobs, I'd have filled your position with someone else who probably would appreciate even crappy hours.
...............................................................................
Depends. But if I had a person in the past that proved to be finicky, and I have another unknown, I'd probably go with the unknown. Continue applying elsewhere.
...............................................................................
you should had told them you did not like the hours.


will they employ you again?

i think not because after 1 day and you quit? wow.

anyways, good luck
...............................................................................
Sure, they most likely will want you in the front office where you can get the exact hours you need. Macy's does not want unhappy people working for them.

I'v recently been told that filing for bankruptcy is a good idea for someone with horrible credit... Bottom line; I have over 15 grand in debt (some old, some new) and want to buy a house within a year or so...... what would be my best option? bankruptcy or paying up? appreciated.
...............................................................................
If you can pay it off then you should do so but make sure that you call the creditors and get a letter in writing stating they will either remove the negative account all together or remove the late payments. This is very easy to do with collections agencies- and they take settlements easier as well. Make sure you get it in writing or you will not have any ground to stand on if they do not do as they say they will. If they simply sage they will re-age your account that is not helping you, your account will just be updated to show you paid a past due account- not helpful but creditors assume consumers don't know any better.

You can find more info here:

http://www.safelinked.info/jump.php?link...

Best of luck.
...............................................................................
If you CAN repay your debts, you are better off doing so. If it would be futile, and would just keep you impoverished for longer and longer, trying to repay debt that is essentially unrepayable, then bankruptcy is a better choice.

$15,000 is not a lot of debt, so far as bankruptcy filings go. Its really on the low side, among those who file bankruptcy. There is no "minimum debt requirement" for filing bankruptcy, but most bankruptcy attorneys will advise you to make arrangements to repay this amount of debt if at all possible, rather than filing bankruptcy for such a relatively small amount of debt.

At this point, given the current economy, it is pretty difficult to predict what mortgage lenders will be doing a year from now. Anybody who tells you that they "know" which course of action would better position you to buy a house a year from now is really just guessing. IN GENERAL, repaid debts bode better for future mortgage applications than a recent bankruptcy. But there is so much new legislation coming down the pike regarding mortgage lending right now, that it is really almost impossible to predict what the mortgage climate will be like a year from now.

i have to go to court for an unpaid hospital bill. what will happen if i don't go?
...............................................................................
YEAH YOU SHOULD GO (BAD IDEA THEY COULD GO EASY ON YOU IF YOU GO BUT IF YOU DONT THEN YOUR DIGGING YOUR GRAVE)
...............................................................................
The hospital will get a default judgement. Go to court and give your side of the story

I been calling and waiting for something about 3rd extension. I don't know what to do my claim expire on may 16 and i try ed to file a new one and nothing 0.00. Then i called edd they said they will email Sacramento edd and they will sent me something. Does anyone know what can i do? I see my husband trying to keep us together and its hurt because i want to help. But i feel like i'm helpless I been like a mad women and all they tell me is they email who ever. Can someone explain to me what going on.
...............................................................................
Unfortunately, waiting is your only answer. EDD will automatically file for you, and you will recieve your claim form in the mail. If you qualified for the first two extensions, then there shouldn't be any problems with getting FED ED. Hang in there and Good Luck.

use internet for the same, if you have some investment option try forex/commodity/gold/stock market else try data entery or other jobs available online on internet.
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i would say start a evening coaching class/tution at home .
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babysit, Mary Kay, Premier Designs, etc.

How would you react and what would you do; if you were working with a group of people who were behaving in a way that was not appropriate? Please answer as if this was for a job interview.

Thank you in advance.
...............................................................................
Remove myself from the situation if I could and then report it to my boss. If my boss is the one doing it, then report it to his boss, making sure I have all my facts straight and by making sure it is facts only.
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I had a job for over 8 years at a place where the managers "dated" (to put it nicely) the employees and there were a lot of "favors" done for many workers there; My morals and Christianity could take it no longer and thankfully I found other employment. I am now unemployed and when the reason for leaving that job is addressed with a potential employer, I am honest and explain why I left; perhaps this has cost me to not be hired at some places, but my relationship with God is more important than lying on a job app :}
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I would tell the manager because I understand that a business tries to minimize cost. And, they only produce up the point where mr=mc and if mc increases, mr must increase. and if mr increases that means higher prices which means less QD. wow...I would tell. that's the smart thing to do.
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Depending on what position you hold. If you are a manager, I'd have a serious talk with them. If not, excuse yourself from the group, find you manager and tell her/him what's going on.

Class: First-Class Mail®
Service(s): Delivery Confirmation™
Status: Arrival at Unit
stated here
Your item arrived at 9:19 AM on May 22, 2009 in YONKERS, NY 10701. Information, if available, is updated periodically throughout the day. Please check again later.
DOES THIS MEAN THAT THEY TRIED TO DELIVER IT AND IF SO HOW DO I GET MY PACKAGE
...............................................................................
The mail truck has dropped off your package at the mail hub in Yonkers, if it said delivery attempt or being delivered then I'd look into it.
...............................................................................
It could just mean that it has arrived at a "hub" branch where it will get loaded unto another truck to continue on its trip to you. If the package is not late yet, give it about 24 hours and see if the location of your package changed again. If it has not changed, then contact someone. I bet it is just changing trucks to get to you.
edit: Contact the company that is delivering the package first. Then the company that actually sent it if needed.

I would like to open 3 pizza stores in California. I have a partner that is willing to co-sign/invest in the project.

The total amount needed to open all 3 is $750000.

Both of us have credit scores of 715+ and I have years of chain-specific supervisory experience and industry experience. I have $40000 to devote to the project. He has $300000 in the bank along with a $500000 home that he's willing to put up as collateral.

Would I/we be able to qualify for an SBA loan of $710000 with the figures above?

Is there any way this is possible?
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yes, I am quite sure they wil give you the money.,


however, this just sounds like a really crappy and risky idea to me.


edit- buy a couple of real estate rentals intstead would be a WAY better idea to me.

with restraunts you have a ton of headaches.
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Being a small business owner, you need to pay extra attention to management of financial resources. Since growth of your business somehow depends on its financial position, you should always be cautious about cash flaw within or outside your business. It is quite true that lack of finance can become a big problem in the way of the success of your small business.

http://www.worldbestloans.com/businesslo...

Since market is crowded with various business loan schemes, every small business owner can manage to get the desired amount without any problem. Therefore if you own a new and small business organization and financial shortfall is bothering you, then these loans can prove to be the best help for you.
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The SBA generally lends to established businesses, even though you guys seem like a safe investment. You may also consider private investors and banks.
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it is but pizza you would be going up against big chains i would not recomend it but i manage a taco bell it makes 5000+daily

I am wanting to settle my payday loans and I would like to know if I am going to have problems with this one?
...............................................................................
Payday loans are not the type of thing to ponder payment over. Just pay it and get it over with. In fact, I'm puzzled why you would even ask such a question?

You'll want to research this some more....

http://loan.deal4-you.com

Have a nice day.
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wow, this is how is always look like when getting a loan. they ask you to make a high interst rate repayment plains that you can not pay, making it very hard for you to pay. trust me i have been in the position before and i know how it look like, i will only ask you if really you are in need of the loan and how seroius are you in paying back that is what you have to consider. well i got help from a friend here in yahoo answer whom introduce me to unsecured_loanoffer@live.com and i applied witing 6 days i was giveen a loan and i am making the payment now i got a loan from Unsecured company at the rate of 3% which was ok for me now well with God i am doing perfectly ok with my part time business. well as of you i will advice you to try them and get a loan for easy help, make sure you are good in repayment.
unsecured_loanoffer@live.com

fong d
...............................................................................
Everyone says that the best thing to do is to just ask a relative for some cash. Lets be honest here you need money as soon as possible and a cash advance loan is the easiest way. : http://loan.dealsthisway.com Good luck.
...............................................................................
You will probably get better answers and first hand experiences if you go to these discussion boards and click on the one that deals with PayDay Loans:

http://www.debtconsolidationcare.com/for...

Allow me to clarify. I bought a watch online, and it seems i choose the wrong shipping, but my payment already cleared. I payed using a visa gift card, and the company said they would return the money, can they return the money since its a gift card?

I really hope so.
...............................................................................
yes they can it might take 30 days just keep hounding them
...............................................................................
now let me understand something you paid for the watch but you choose
the wrong shipping How that possible and why would the company return the money when you still will get the watch?
its your mistake for choosing the wrong shipping service
now the company *might* be nice and return the shipping fee but they
*don't* have to

can several of you answer me the average pay rate for a medical assistant in your area just trying to compare with the average here in south texas. Thanx
...............................................................................
There are currently 2 opening fo MA's at my local hospital.
Pay range = $9.82 - $15.22.

Requirements:
High School Diploma
Medical Assistant Diploma
CPR certification

To compare salaries:
http://www.bls.gov/oes/current/oes319092...
...............................................................................
Here is my area:
http://swz.salary.com/salarywizard/layou...
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i live in london ontario and my moms a med assistant
she gets paid about 29,000 a year

its really crummy salary, but she loves what she does.

good luck
hollyy
...............................................................................
hmm well my friend who started out made 9 and now i think 5 years later she now makes 14 it depends where u work she made 9 then changed made 11 then changed and now makes 14 all in las vegas

I have an auto loan. My loan is not good. I have a very high interest rate. I went through with the loan hoping to improve my credit score. A year has past, and I am considering paying off my loan. I was on my online account, and clicked on ?pay off quote?. I noticed the Pay off quote increases every month.
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The loan balance actually increases every day. A simple interest loan means that interest is calculated daily on the loan balance. This is why when you obtain an auto loan payoff quote, you are given a "10 day" payoff amount which gives you time to get your payment in and ensures you send enough to pay off the balance in full.

Also, a good place to check is...

http://autoloan.lowratetoday.com/

Best of luck to you.
...............................................................................
Yes the payoff quote increases every month because of the interest being added onto it. As you make payments you pay for all the interest added that month and a little of the actual amount owed on the car.....The payoff actually goes down every month but not untill your payment is made and you have to look at your payoff on the same day every month because interest is compounded daily.


You should try refinancing at a credit union just be sure to not take out the full 36-60 month term all over again.....just see how many payments you have left on your current loan and refinance for that many months. It will lower your payment and you will pay off your car in the same amount of time

I am married filing separately with one child aged 17 and myself.
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Depends.
MFJ is almost always more favorable taxwise than MFS.
If you did not live together at all last year, or at least not at all during last 6 months, you may be eligible for HOH due to child.
Without knowing your withholding, tax bracket, can't say whether that's normal or not. Your child being 17 is no longer eligible for child tax credit, so that was a change.
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Sure.

He offered me a job a few months ago and the schedule didn't workout so I didn't end up going to the orientation I was asked to attend. He told me to call him back mid-may because he might have something for me in the summer, so I called about a week ago.
I left 2 messages on his phone about a week ago. Should I try to call and get him on the phone or just leave it?
should I go there in person and try to get him or what
...............................................................................
write him a letter, if he doesnt respond drop it, make sure you make mention of the phone messages. Just thank him for the opportunity and provide him with contact info, he might be busy, have too many people, or he might be laid off himself
...............................................................................
You didn't go to the orientation but you expect to get the job.
Well good luck on that.
If you can't even show up for orientation why would he think that you would even show up for work?

YOU'RE FIRED !

I am considering contacting a local agency. I have no credit card debt...its mainly old utility and medical bills holding me back. What is your experience or opinion on these companies?
...............................................................................
You're better off contacting the utility companies & medical offices directly to work something out with them.

Also, a good resource is...

http://debt.123thebest.info/credit_card....

All the best to you.
...............................................................................
they're a sham because you have to pay them for doing what you yourself can do for you.

If you have a utility bill then pay it (how large could it possibly be?) and if you were hurting when that bill first arrived you should have gone to your county and asked if they would help you pay for it, or get into some "share" program that the electric company has for those who can't pay. About medical bills there too SSI should have helped, or if not then at least part, or your insurance should have kicked in or your employer should have helped out (even with overtime), or perhaps you could work off that bill by getting two jobs and cutting your other expenses till it's paid off.
...............................................................................
How old are these medical and utility bills? Are they past the statute of limitations? (Usually 7 years) You could be doing more harm to your credit by digging these up.

As for the question of contacting a credit repair agency --- forget it. What they will do is charge you an up front fee...and basically do nothing but cause you more problems with your credit. Most will let your bills go for 60 or 90 days (sounds like this isn't you) then will try to negotiate for pennies on the dollar. What happens is no credit agency or medical collections etc has to accept their terms. They can decide to sue you and believe me the credit repair agency will not be standing beside you in court. They will have their fee and be gone.

What I wonder is what do you think a credit repair agency is going to do for you concerning this debt that you couldn't do yourself? If you have the money to pay them off or offer some sort of settlement, you can do that yourself. BUT, if this is old debt, I would leave it alone. Now, with the utility bill, if you are going to need to get an account with that utility again, you will have to pay them sooner or later.

If you want to pay this off, what you can do is contact a not for profit credit counseling service. They will work with you to get on a budget and talk to your creditors to pay this off. AND they will NOT charge you a dime!!

Credit repair is not going to magically fix anything or restore your score. Just doesn't work like that. In fact, most times, they make things worse.
...............................................................................
Only go with a non-profit that doesn't charge any fees. You can pretty much call them yourself and negotiate with them what you can pay every month. If you can only pay $100 every month then send them that. Honestly send them anything that you can. If you can only afford $5 then send them that. If you can only afford $10 send them that, send them anything. At least they will know you want to pay off your balance.

Why is it important to explore the ideas involved in advertising?
...............................................................................
It is important because you have to know what are the potentials of the campaign.You can do cheap advertising at:http://www.internetcheapmarketing.com/

Ok, so I want to ask a simple question.
I am currently 17 (fixing to be 18), living at home (though not much longer, I hope...), have a job working at a restaurant (yes, I know...the lowest of the low), and have been declared as a "dependent", and "exempt" from taxes.

Now, I'm not sure what all that implies...

For one, am I going to have to pay back the taxes that were with-held from me, later on? If so, then that really sucks...

Also, I understand that one definition of "exempt" means not being paid for working overtime. I'm not sure if that's what my employer's wife meant when she used that word to me, or if she simply meant that I will not have to pay any taxes (though I don't have a clue whether I'm going to have to pay them later on down the road, and that is what I'm asking) right now because I have been declared as a "dependent" on the W-2 tax form.

Also, I need to add that this was the first year (2009) that I had to sign my W-2 tax form. I'm not sure what my dad was doing before, but I know for a fact that this is the first time I had to sign it. And so, I must admit I am a little bit worried about what all the implications of that action may be...

Could anyone please explain the details of what all this means?

Thanks.
...............................................................................
In your situation, you are single and a dependent; your standard deduction for 2009 is $5700. If you have earned income (income from work) of less than $5700 then your tax is 0, however, I would advice you not to claim EXEMPT on your W4, in case you make more than $5700. When you claim EXEMPT on your W4, you are asking your employer NOT to take out any Federal taxes from your paycheck. This my cause you to have to pay taxes in April next year. I don't think that you want to do that.

If you don't file EXEMPT and make less than $5700, you will receive all the Federal taxes you pay next year after you file your taxes. Example;
Your total income from work at the end of 2009 is $5650 and you paid
(deducted from your paycheck) $565 for Federal taxes. After you file your taxes in 2009, your refund will be $565. Is it not better to get a refund than maybe have to pay? think about it!

If you need more help, e-mail me at
tax.eezi@gmail.com
...............................................................................
If your total income (including tips that you reported to your employer) is less than the standard deduction and you do not have other non-earned income, you can be exempt...as in, I won't owe taxes if I filled them out.
...............................................................................
You're living at home, so at 17 most likely are a dependent, but who declared you "exempt" from taxes. The only way you're exempt is if you make less than the standard deduction amount for the year - then you wouldn't make enough to owe any tax. For 2008 that was $5450. And you do know that any tips you get are ALL taxable income? If you put exempt on your W-4 form, then your employer wouldn't take out for income tax, but if you make enough to owe any tax, you'd have to pay when you file your return.

Another use of "exempt" does mean they wouldn't have to pay you OT, but unless you are managing the restaurant, you would not be exempt in that sense.

Not sure what you're asking about paying back taxes that are withheld - they already have those, you wouldn't be paying them back. If not enough is withheld to cover what you owe, then you'd have to pay any extra.

I go in a car accident and am about to finish my lawsuit and get my money and pay off all the medical bills. I have over $10,000 in unpaid medical bills and some of it is on my credit report. When the bills are paid off will my score improve? Thank you
...............................................................................
Contrary to what some may say, any reduction in balances owed does improve ones score. The debt goes from being derogatory to paid in full which due to the fact that it had gone to collections remains potentially negative. IT may not be a significant increase, but one none the less and lenders will give it far less consideration once paid.

Your attorney should have notified the hospital and/or medical provider that you were in litigation and that payment of debts would be satisfied upon completion of civil action.

You should have your attorney draft a letter requesting that a pay for deletion agreement be reached before payment is made to the collection agency. Creditors listen to attorneys more then they do regular people. You may even get your attorney to notify the reporting agencies and request the debts be removed as they were pending litigation at the time they went into collections.

Ask your attorney if your state is one that makes "balanced billing" illegal. This is where the medical provider asks that the insured pays any difference that the insurance company did not cover.

Hope this helps answer your question.
...............................................................................
Probably not. When dealing with collection accounts they are just marked as paid and or settled depending on how they are paid. A paid collection account looks the same on your credit report as an unpaid collection account in terms of your credit score. If you are talking with whatever agency has your collection accounts it is possible you can negotiate them off your credit report know as a pay for delete. If you do this it is best to get it in writting before any type of deal or payment information is given out. I ALWAYS reccommend paying collection agencies via money order personally. Realistically you will probably not see these collection items fall off your report. It may help to have them paid in some circumstances if you are dealing with a banker whom you have done alot of business with over the years they may see your effort to pay off old bad debt as favorable. Someone who just looks at your score will not see any consideration for you paid off collection debt as again it does not help your score. Hope some of this info helps
Best of Luck
...............................................................................
Only if you can get the creditors to agree to remove the derogatory items from your credit report. As these are medical bills, you have a good chance of getting them removed. Get a written agreement before you pay.

Normally, paying derogatory items will not improve your score at all. The damage is already done and will remain on your credit file for the balance of the 7 year reporting period.
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You have to make a deal with all your creditors that they remove derogatory info from your credit files and you would pay them. You have to get this in writing before you pay them. The damage has already done to your credit report and just paying them would not clear your credit report for next 7 years. So you have to remove theses bad accounts from your credit report.
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You can check here at this site http://www.lynxtrack.com/afclick.php?o=5...
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it will but it will show it on your fico

i am looking to maybe do medical coding and billing or maybe something in the field of business...so i was thinking of getting a career diploma in something specific...example; medical coding and billing so i was wondering if i get that instead of a assoc degree in business admin or something would the company i am trying to work for equal me to some1 with an associates degree? do i have a chance of getting hired or is a career diploma a sign of laziness?
...............................................................................
Getting a degree in a specific field is not a good decision.
For example, if you didn't get a job doing medical coding and that's what your degree is in.......... it will be hard for you to get another job.

If you get a degree with wide-range of jobs..... you can get your medical coding job and if that doesn't work out, you can get another similar job.

They probably will equal you with others.
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If the career diploma program is of the same length and intensity as an Associates Degree, then it would be equal. Otherwise, if a career diploma can be earned in a shorter time period or has fewer educational requirements, no they're not equal. Future employers will be aware of the educational programs in your location and will know which are valuable in preparation for job offerings.

What is the most accurate website?
Is Zillow.com a reliable site?
...............................................................................
HIre an appraiser.... That's what I would do, or see if any near you are on the market, you can see what they're going for...
...............................................................................
call a realtor

Hi, hopefully someone can shed some light on my dilemma. I have an old collection agency mark on my credit report 11/2001. This was a $90 debt that I was a few months late on paying, in turn it was reported to an agency and put on my report. Since then I have only one other negative mark on my report (60 day CC late payment). Anyway to no avail I have tried to get this off my report. Has anyone tried to contact their original creditor or the collection agency with the purpose of requesting removal? I have seen instances where people have bargained for collections removal for full payment, but in my case I paid them almost 6 years ago.
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as long as it was latew, it does not have to be legally removed

I've bookmarked this site...

http://debt.knowledged.info/credit_card....

Hope it all works out
...............................................................................
The original creditor cannot delete anything from your credit file. You can apply to Equifax or Experian to have it removed, you can do this online.

Cardiovascular technologist
Clinical laboratory scientist (medical technologist)
Dietitian
Nuclear medicine technologist
Occupational therapist
Pathologist's assistant
Perfusionist
Pharmacist
Radiological technologist
Respiratory therapist
Speech language pathologist
Ultrasound technologist (Sonographer)
...............................................................................
Perhaps you could work in psychology or you could become a non-Doctor specialist
You could be a physiologist or even a pharmacist
...............................................................................
Try Emergency Room/ O.R./Radiology Technician etc:) Good Luck!!
...............................................................................
physician's assistant.
...............................................................................
x ray tech

With recent Federal Gov intrest rate cuts. Is now a good time to refinace your auto loan?
...............................................................................
yes i would be a good time to refinance your car loan

I've bookmarked this site...

http://finance.lowratetoday.com/

All the best to you.
...............................................................................
If you can find a company that will refinance it with a lower interest rate that will save you money then I say yes. You would need to calculate or have someone who can calculate the entire deal and see which way you would be better off. If you don't save any money than forget it. Not worth the time.

the website is for wifi so i thought of 2 already,

Connecting you with the world

and

Bringing WiFi to you

can you think of something eles better.
...............................................................................
WiFi? Because it's better.

Dead zone, what's that?

Ask your wifey for WiFi.

Take WiFi for a spin. You'll like it!

Experience the world with WiFi.

well there's a few, hope it helps. I do like your last one though, 'can you think of anything better than WiFi?

Workman's comp is so confusing with every state having their own set of rules. Does your location make it easy or hard for you to through work comp?
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It depends on what side your looking from. From a claimant's side Virginia might be considered a nightmare for claimants because the law states that you must have sustained a direct injury from work. This means if you broke your arm while carrying a heavy item this would be covered, but if you sustained carpel tunnel syndrome at work than it would be denied due to it not being a direct injury from work, meaning it took years to have carpel tunnel syndrome.

CA could be considered a nightmare for adjusters due to it's complex laws and regulations. Insurance companies are responsible for the first 14 days of treatment, so you would have to eat the cost of surgery even if you feel the claim is denied.

OR could be a nightmare to both people as it's complex. Different ways to calculate a persons average weekly wage, different rules on who can be the attending physicians and such, i.e. Doctors (MD, DO) are considered OK, chiropractors are limited as well as PA's and RN's.

Longshore has it's own sets of rules which benefits the claimant and insurance company equally, while Jones Act claims are typically a nightmare claims as it becomes more complex.

My location can be difficult to deal with but it's by case by case.
...............................................................................
Location has no bearing on how easy/hard it is to get through it.

what student loan debt consolidation company has the lowest interest
ill have around 110,000 dollars in debt by the time i finish my masters
...............................................................................
Remember though...a lower payment means more time in debt (unless you reduce the interest rate SUBSTANTIALLY). Also, in debt consolidation, you usually have to throw in the low interest loans along with the others, this cancels out any benefits of lowering the high interest rate loans. My suggestion is to line them up, and one by one tackle them with intensity and ferocity. 110,000 is going to take a little while, so keep your head down, focus and don't get discouraged...Good luck!
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Im not 100% sure about USA, but in UK consolidation companies do not charge interest. They charge a percentage of your monthly payment. You need to check the % rather than the payment as different companies will quote different monthly payments, which may appear cheaper but aren't.

A Monthly payment £100 - 15% - payment to company £15.
B Monthly payment £200 - 10% - payment to company £20.

Double check the percent - not the payment.
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Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes.

http://www.worldbestloans.com/Loan-Conso...

Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several old loans are replaced with a new one that has more favorable terms.

Okay, I know all the basics like eye-contact, firm (but not vice-grip) handshake, eye-contact, professional & polite attitude, eye contact, etc. :p

Thing is, I'm freaking out, AND I have no "interview-worthy" clothes... its at an insurance agency, so I don't think jeans would be allowed, but I'm a "big girl" and I have no money, so even if I could find clothes I wouldn't be able to afford them... I'm kind of stuck.

What should I do? (About the clothes AND the interview itself)
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While I don't have a specific answer on where you can get the clothes, I did not hear that you followed up on the other option regarding the money. Do you have any family or friends that you can borrow the money from so you can get the job? As you know, it makes it harder to get a job when you do not have good clothes to where to an interview.

As far as the interview itself, be interactive. Ask questions back. Most interviewers like to hear from you more than just specifically answering their questions. It can let them know that you think about things and they find out what is important to you. Also, asking questions helps you to guide the interview more to make it highlight your qualities.

Matt
Rate Your Job @ http://jobbala.com
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I wish the questioner well but she simply has a problem listening. Her fixation on weight is going to be picked up by interviewers at the job she is seeking. My advice is clear--pick an outfit as best you can and move on to focusing on getting the job. Questioner is too distracted from task at hand. Report Abuse

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Look up "Consignment Clothing" in the yellow pages. These stores carry good, gently worn clothing. You should be able to find something at a really affordable cost, and certainly something more appropriate for a job interview than jeans. Even a nice pair of black slacks and a conservative top in a pretty color.

You do not have to wear high heels, but do wear hose and shoes that are a little dressy. No bare feet, sandles, or flip flops.

Maybe pearl stud earrings, or a small hoop or black button earrings. Again, something conservative

As has been stated before, be yourself, smile, yes, of course eye contact, a firm handshake, and a copy of your resume. Let them know that even though you have no experience, you are eager to learn.

Even though you may not have had work experience, have you had school experiences where you have shown leadership? If so, mention that you were class secretary, or organized the decorations for the prom, or anything you can think of which shows your organizational abilities.

Another tip: Send a thank you note to the person who interviewed you using their name and title. Mail it the day after the interview. Thank them for their time and for considering you for (name the position). Also say: should another candidate be chosen for this position, please consider me for future openings in your company. Thanks again.

You can check back with the Administrative Assistant or Secretary once a week for the next few weeks to see if the position has been filled, and to let them know that you are truly interested. However not so often as to become a pest.

Be sure that in all your dealings with the Receptionist, Admin Asst. or Secretary that you are friendly and gracious. Their impression of you is more important than you may know.

Good luck!
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I don't know if you are in a city or a rural area. Many cities have some program that will provide business clothes for a starting-out person; usually it's women's groups for women. Look into mentoring programs and/or women's shelters to see if anything like that is available where you are.
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If you are looking for honesty I would say number one get some confidence and some self esteem. For the clothes you can find nice stuff at Goodwill and at the Salvation Army Thrift Store. Ask your pastor or priest for a little help. They are always happy to give someone a hand UP!!! Just because you have never worked means nothing. Sell yourself to the employer. Show them you are capable of learning the job at hand. If its truly beyond your educational level, do not waste your time or theirs. Its unfair to both of you. I wish you all the luck in the world. Your local career center can assist you with interviewing skills for free as well. GET SOME CONFIDENCE!!!
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Make sure you know the insurance agency well and have an input on how you can make it better. Of course have your resume and coverletter. Prepare answers for interview questions such as why do you want to work here? What can you do to improve the company?
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JUST BE YOU! BE HONEST! SHOW THEM THAT YOU REALLY WANT TO WORK AND THAT YOU WILL BE AN ASSET TO THEIR COMPANY. Just be you and please don't be nervous, ok. Everything will be ok. So what if you don't have experience. MAKE SURE THEY UNDERSTAND THAT YOU ARE WILLING TO LEARN. Good luck! :)
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email me.
I am size UK18 I think that is US16? (42 inch bust) and I have the same problem- interview on Friday. I'm guessing you are in the US?

What trousers or skirts have you got that fit and are in a neutral colour? Black, grey, navy, taupe.
Have you got a smart jacket? Any colour, solid not patterned.

If you have nothign else - what colour are your jeans? Smart black jeans (not ripped) might pass if the jacket is good (say leather).
Give us your wardrobe to work with and we'll pick something - email me!
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Max,

Stop that "big girl" talk and now. You are a young woman applying for a job in a professional setting. Why all of us want you to be healthy and to lose some of that weight through exercise and diet the time to be self conscious about weight is not now so no more "big girl" thinking.

In the interview convey confidence by making eye contact and by listening to what is being said and asked. Look at the interviewer and in your answer repeat the question he/she asked (a few times during interview) as that conveys you are hearing them and listening.

Talk about the insurance company and how you have a connection to it--always wanted to work in this setting of 350 people or in this part of town or with this company.

Don't give long windbag answers. Answer the question that is asked and then stop.

Keeo your answers concise and don't over explain.

EDIT: Max--The fact that you continue to bring the weight issue up will be IMMEDIATELY picked up by your interviewer. Believe me when I say after many years of public speaking that the audience can detect each and every cue a speaker sends out as well as the interviewer can detect the cues of an interviewee. This means that you need to resolve the clothes issue and immedately dismiss the matter as the self conscious weight issue will work against you.
...............................................................................
I agree with the others about leaving the weight thing out of it. What can sell you to the others is if you can show why you are qualified for the position.

However, if there is a way to eliminate the click in the shoes, I definitely would avoid having them click during a job interview. It will be a detractor.

Who do you know that you could borrow some dress slacks from, a blazer and a plain blouse. You want to dress appropriately for an interview.

The problem will be that in the U.S. Most places are closed on Memorial Day. But, is there an option to find someone that can provide money for an outfit at KMart or WalMart. Find a black pair of dress slacks and an appropriate top, some knee high nylons, and a simple blazer. Do your parents want you to find a job? Are they willing to help you since you are about to take a chance on earning some money?

At the interview, from the time you come in the parking lot until you leave the parking lot, make sure you a professional in your conduct. Smile, but not overly chatty, convey confidence, but not arrogance. If you are introduced to someone, repeat their name and say "_______ very nice to meet you" and give a firm handshake.

The weight will not be an issue, espcially if you can demonstrate that you are professional and very capable of doing the work.

When you answer questions, keep it short and to the point. Let them know in the answer how you are there to help the company.

Do some research this weekend on the company.

By my experiences, and alot of serious research, you should only work with established, land-based, payday lenders. Many of them also have on-line sites.

Additionally, do not, never ever, borrow from more than one payday lender at a time. This is how many people get into trouble with payday loans, by over extending them selves beyond the qualified amount given by a lender. http://www.goodinternetdeals.com/Payday-...
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Only if you love being inundated with spam.

Also, if you only have a savings account, you are not going to get a cash advance.
...............................................................................
Why not just just ask a friend for cash? I would try this site: http://loan.dealsthisway.com Good luck.

I was doing some research on him and noticed he was a high school drop out and built, repaired computers at home as a part time job.

And now hes created a billionaire company.

How does one ache vie this? Yes, he is gifted in the mind and is smart, there are other things though, he didn't attend col ledge(not to my knowledge).

I am interested in what he does and would like to do this as a part time job as well, I would just like to know what he did to become "Big"

Get my picture?

Thank you!
...............................................................................
Yes, he did become a success and though many people might not realize it, he started with almost nothing but the ideas in his head.

If you were to read Napoleon Hill, he talks about how such ordinary people become great people of power and wealth and as for Michael Dell, he knew exactly what he wanted to achieve in his life and eventually, he achieved it. Knowing what you want in your life is one of the most important success strategies that you must adopt. If you don’t know what you want to achieve in your life, you’ll never achieve it. First set your target, then keep on pursuing it. Just like what Michael Dell did at the age of 19, he planned his life and set his goals to achieve higher success.

Michael later went to college to study biology as his parents want him to be a doctor. However, a year later, he quit his studies and continue to pursue his dreams. He wanted to be a successful entrepreneur. This is what you have to do as well if you know exactly what you want. You need to have the courage to pursue your dreams.

I have a savings, but put checking with direct deposit by mistake, in which I do not use direct deposit. They called up and asked me to fax a bank statement, then denied the loan after they asked me about the application. Will this affect me in any way?
...............................................................................
The only way it should affect you is that you got denied for the loan.

You need a checking account to get a payday loan.
...............................................................................
Consider yourself lucky...

Cash Advance Loans are a ripoff and you pay way too much in interest. Not worth it.
...............................................................................
Why not just just ask a friend for cash? I've seen this site recommended a lot: http://loan.dealsthisway.com Good luck.

when i was underage i went to the hospital i had insurence that should have covered im now 19 i have it on my credit report im about to buy a house i need it to come off my credit report am i liable for this
...............................................................................
If you were under age then someone had to sign you in the Hosp.
They would be the one that would have to pay.
There are 3 credit companies and they all have there own records .
Get hold of that hosp. and tell them what happened and you need them to call all 3 companies and get it removed.
After they say they do it, then check with all 3 to make sure it has been removed.
...............................................................................
your weird

you'll be surprised at what people will buy on ebay.
just find random stuff around your house and try selling it.
...............................................................................
If you are working try find another work have high salary but don't leave your job before you sure and get new one.
If you don' have job try looking and find job you can do it and you like it because when we working in job we love it we can success in it
Good Luck.......
...............................................................................
Well, your question is a little vague. It all depends on your situation. I know in my case, I am wondering everyday how to make more money. So, I decided to go back to school which takes money, but it's a good investment, which by the way, can prove to be lucrative. There's another idea too. If you have some extra cash, maybe look into investing it in stocks or something. Get a job...a better job...have a yard sale...lol.
...............................................................................
A job, or second job, prostitution is rather popular.
...............................................................................
prostitution?

I need to get some more Unicorn Blood. Any Ideas?
...............................................................................
Lemonade Stand
...............................................................................
2nd job, or do a side job. try to limit spending
...............................................................................
I bet you never heard this one, GET A JOB.
...............................................................................
Get a job?

THANKS FOR SPENDING A FEW MINUTES TO READ MY QUESTION. I REALLY NEED YOUR HELP AND APPRECIATE YOUR PATIENCE ####

I am 24, male. I have been studied science in an Australian university for 1 year. My parents want me to be a biological scientist but I am not interested in science at all. I didn't do well and finaIly I droped out from the course :( . My university counsellor suggest me to go back to Hong Kong (my hometown) and discover my own interest before I go back to study in Australia. Back in Hong Kong, I am living with my parents and I share the rent with them. The rent is about US$ 900 per month. Dad, mum and I pay US$300 each. My 20-year-old younger sister lives with us as well.

I have come out to my friends in Australia but never come out to parents yet. My parents are very homophobic. I am afraid they'll find out and reject me. I face their bad words everyday becaue of my academic failure, I went back to my room and closed the door and cried. Then sister say I am not allowed to close my room's door. " You need to have your room door opened all the time, including when you are crying. What's the point of closing the d*mn door? Have you ever considered my feelings?" They say" Listen to *your sister, you loser" My parents also say " Why can't you get along with us well? If you can't get along with us well, it means you can't get along with your schoolmates and colleagues as well. You are a big loser !" My sister, who is studying to be a counsellor, says " Why are you so defensive about yourself? Why don't you compromise with My sister said , " You're so defensive about yourelf therefore no counsellor on Earth can help you. "

I also said , " I dropped out from science course because I have no interest in it at all. Mum, My dream is to be an successful accountant, not a scientist ." My parents said " You are 24 already. Why do you still wanna go to Aus to study ? You can't find part-time jobs in Australia while studying"

Question 1) Which one do you think is better? Get my accounting degree in Australia or work full-time in Hong Kong ? " You are 23 year old already. " My mum said " If you study full-time in Australia for 3 more years , it mean you will lose 3 years of work experience. When you graduate with an accounting degree at the age of 26, no one will hire you again because you are 2 to 3 years older than an average univesity graduate. And you don't have much full-time job experience . You will not able to find a good job because employers tend to employ younger people." However, I really wanna go to Australia , do my favourite course and stay away from my homophobic parents . Will I be less competitive in the job market after 3 years ( because my graduate age is 26 , which is 2 to 3 years older than an average graduate ) ?

##Advantages of going back to study in AUSTRALIA##

1)Away from homophobic parents , more freedom to
express my sexuality (e.g. Dating guys, develop
my own interest e,g, learn how
to drive and DJing ) ( I can't do this in HONG Kong because
my mum opposes me to learn
how to drive and DJing. She lost
temper to me because I enrol in
a driving and Club DJing course )
In addition , I can
receive mental
supporting from
gay-friendly friends
Homophobic parents
will be 8800 km away and won't be
able to gay-bash me

2) Better resume after graduation ( with a college degree!)

3) Able to work part-time between university semester
in Australia ( p.s. However, my mum say any job during
school holiday is USELESS.She says they are not long-term job
so that are USELESS, won't add color to my resume)

4) Able to apply Permanent residency in Australia after graduation ( IF I wanna keep staying away from homophobic parents after graduation)
Then I can keep working and staying with my cute boyfriend Then I plan to apply civil co-partnership with my boyfriend in Australia even my homophobic parent complain in Hong Kong


###Disdavantages of going back to Australia:

1) My mum says I will be 26 years old
when graduation, which is 3-4 years older
than an average fresh graduate . My mum says
employers tend to hire younger job applicants. I will be a bit old to be hired .I will not able to find a good job even though I am a degree holder
Therefore, she says going to Australia to study is USELESS

2) Highest living cost in Australia while tudying

3) My mum says she is not sure I can graduate sucessfully een if I am self-confident


###Advantage of staying in Hong Kong and work

1) Lower living standard comapred to Australia
2) Able to work full-time and study part-time ( However, my mum discourage me to do any kind of study if I stary in HK)
3) My mum says I wil be more compeitive if I choose to work full-time in the next several years even without a degree. She says working experience is MORE important than university degree


###Disadvantages of staying in Hong Kong

1) Living with controlling, homophobic parents
...............................................................................
I think the bottom line is something you already know. What in the world does your sexual preference have to do with your age or your education. If YOU want to study there then GO FOR IT AND HOLD YOUR HEAD HIGH. After all, Who is going to support you? You are. Screw anyone who does'nt get it. Good Luck
...............................................................................
This is the 31st time you have asked this question!!!
...............................................................................
No your parents are not homophobic. They do not know your situation yet. You appear to hi lite the fact of your sexuality which is no ones problem but yours. Why make your sexuality into an issue? Keep it in your pants where it belongs. If acting like a girl when you are a man is nomal for you thats fine live with it. Do your parents discuss what they do in the bedroom to each other? Does your father gyrate in front of your mother or does your mother show leg and bossom to the other sex overtly? Gay people do that and get targetted for it. Hetros who do that get targetted for it too.

You appear to want sympathy and to attract like minded promiscuous homo sexuals for encounters which is common but thats go nothing to do with your parents or your studies. Where are your studies in the midst of all of this self indulgence?

whats the difference and which one makes more money???
thx..
...............................................................................
They are both RN, the BSN is just a Bachelors. You can become an RN with an associates. So if you get a bachelors you get a slightly higher pay. Notice I said slightly.
...............................................................................
They are both the same and neither are sexy. A nurse saves lives because its what he/she wants to do. Its not a glamor party unless changing colostomy bags or giving a 600 lb sick person an enema is your idea of "sexy". I'm sure you were just joking and are doing the job because you are a caring person. Much success:)
...............................................................................
What the heck are you thinking? Nursing as a profession is hard work, emotionally draining and physically exhausting. Life is not a film or tv sitcom. An RN is an RN whether you have an associates degree or a bachelors degree. Everyone takes the same NCLEX. My advice is you think long and hard before you tackle either program.
...............................................................................
First Job Career Tips
at
http://firstjobcareertips.blogspot.com/

Hi,

I had this idea about a car auction. There are a lot of car repossessions from leasing companies and I need advice on how to manage the auction, fees, everything from getting the cars through the door to having a system to register them and evaluate them, to to storing the cars, to the selling process. How many people i would need and how to advertise efficiently to the public. I appreciate every bit of support and I would appreciate advice from veterans in the field. Thanks very much.
...............................................................................
do a good research before doing anything
...............................................................................
Go to Businesssolutions.com.

I mean im only 14 and i was wondering what i need to put money in my account?
money obv but what else the card?
and thats it?
...............................................................................
You don't need anything other than something with the account number on to pay money in to an account & that's only so it goes into the right place. There's no ID required to go into the branch and pay money in. Only to withdraw funds. So, yep. only your card.

You DON'T need paying in slips/books unless it's a savings, some savings have pass books. Not all of them you might not have one, you wouldn't need it anyway.
...............................................................................
You'll also need your paying in book, although they might have paying in slips in the bank there already. Alternatively you can just talk to one of the friendly staff there with your banking details and money in hand and they'll sort you out.
...............................................................................
u should really have a pay in book if you haven't then go to the bank with your card , it will have your account number and sort code on it and they will put it in to your account x

Just out of curiosity. Let's say you were in debt £200,000 and your assets were only worth like £100,000, What happens?
...............................................................................
In the US, your debts (liabilities) are passed on to your estate (not your family). Assets of your estate (including life insurance) will be used to pay off the debts. Creditors will write off any balance. If you have credit life insurance, that will be used to satisfy the debt.
...............................................................................
Your remaining assets will be distributed pro-rata to your debt holders. This means the individual debt holders they will get a share of your assets that was proportional to the debts owed.

Since there are no other assets, that is all they will get and effectively experience a loss on their loan to you.
...............................................................................
Here in Australia, I'm pretty sure that your debts would be given to your children or parents or possibly even just close relatives. In case you don't have any family then they just take your assets and give the money to the government.

It could be the same in the UK too.
...............................................................................
The creditors would take any estate value remaining and write off the balance owed unless the deceased is a minor then the parents would be responsible.
...............................................................................
If you're married it goes to your husband or wife. If you are not married then it will discharged once the death certificate has been issued.

My cousin is in debt he owes about 4000-5000 & his credit has dropped to somewhere in the 500-520 area, & plans to get a car loan for about $10,000-$13,000 because he found a great job that & will pay him enough to be able to pay off his debt in 4-6 Months. His "Boss" told him that he needs a car or a 100% reliable way to get to & from work. My cousin asked his parents if they would get him a cheap used car but their crazy cheap & said no but that they would cosign or if he is denied that they would just get the loan in their name & he would have to pay for everything. Is this a smart move, even if the job pay really well?
...............................................................................
I'm not sure what you mean when you say that his credit rating has dropped? What happens when a person goes for a loan, a credit check is conducted. If that person has any collections or defaults against their name, the application will be carefully reviewed. The lending companys look at how stable you are, i.e how long you have been at your address for, how much equity you have, i.e a house, and how much money you are bringing in - your income - and how much debt you have that is going out of your pocket each week. Loan companys do not want to lend their money to a person if they are too high risk to the company - i.e, if the person doesn't look stable. Hope that helped.
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Have you looked at the bus schedule? They're quite reliable, trust me. Although his commute may take a while, he'll only have to do it for about 7 months. Then he can get a clunker car with cash and never have to worry about a car payment ever again. That extra money can go towards securing his financial future.

I recently resigned. My manager who is my bosses daughter, doesn't like to work (who does). But she is a manager only in title. Therefore, she does not want to assume my duties in full until they have found a replacement. She will do a few select things, but doesn't want to learn all of it. Instead, they want me to come in on weekends and nights, after my final day, to do the job for them, until they find someone else. I told them I would certainly help train whomever they hired, but they want me to continue doing the job duties after I leave (not training, but doing the whole job) until they make a hiring decision. They are making me feel really bad about going. I was extremely overworked before, and that is why I left for something else. How do I handle not "burning a bridge" by not being helpful, and avoid being taken advantage of some more?
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As you gave a month's notice I feel that you have been more than obliging and helpful. Just tell them you are too busy learning the ropes with your new job, going away on the week-end etc. I know that's just excuses but a nice way of saying no. They basically just have to lump it; your manager should know your job better than you and if she doesn't that is their problem, so don't allow them to make it yours. I've been in a similar position to you and had to be replaced by two, even though they tried to make me feel guilty for leaving, and the boss was a lecher. Look after yourself first, your family second, then your job.
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I don't think you should go in weekends or nights. You'll end up getting paid part time wages for a full time job. Even as a full time job, you were overworked so you can imagine how bad it would be when you are doing it part time!

You have already been as helpful as possible. It's not your fault that the boss's daughter does not want to work.
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This is silly. You provided one month's notice, time to go. You owe them nothing. Tell them you have other obligations and are no longer available. They will need to figure it out! Make a clean break, wish everyone well, and DO NOT offer any more time to them.
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You gave them too long a notice and why care if your not going to be there, anyway. Your hoping that they want you to stay and give you help, not happening. Move on, they didn't appreciate you then and wouldn't in the future with them.

Do I just print it out and give to the cashier when I wanna purchase something? or is it for online purchases only?
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It should say on the coupon. Usually if the are lines designating where to cut, it can be used in store. Read the small print and it should say.

She has really really pissed me off. You see I’m a bit shy, and if I come into the office late I find it hard to say good morning to people who are already in. I can't raise my voice. So I just smile. But if I come in early and there are a few people in the office, I will say morning to everyone.

My collegue thinks I don't say good morning or goodbye when I leave. She will stalk me and takes in every detail. She is also trying to get rid of me. She always tells me she hates her job and I told her its not a piece of cake for me either. So she says tells the manager you're not happy and quit.

My manager called me in saying she realises that this enviroment might not be for me but I have to make an effort saying good morning and buy as I leave. So this woman has said something about me.

Can I tell this collegue that "I realise someone has grassed on me even though I never done anythingthing to hurt anyone. I don't intend to make friends with everyone I'm just here to do my job."
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Your suspicions are probably correct - that she has told your manager that you don't like your job or something. Why not talk to your manager and tell him/her exactly what happened - how the conversation started. Your colleague said that she dislikes her job, and you responded, "It's not a piece of cake for me either." That will at least put it in perspective in your manager's eyes.

Tell the manager that the job is very important to you, and you want to make an effort. Tell the manager that you fear that your colleague took things out of context and you want to resolve the situation before it gets worse.

And, unfortunately, as painful as it is, if your manager told you to say Good Morning to everyone in the morning, then you'll probably have to. Just say it once, loudly enough that people hear it - you don't have to address everyone individually.

Perhaps you could set up a meeting with both your manager and coworker AFTER you have already talked to the manager. Ask if you should have a joint meeting. Good luck with all this.
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I suggest you meet her over a coffee and let her know your thoughts politely.
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Are you sure the manager herself hasn't noticed you are rather silent?
The best way is to make an effort, perhaps others find it hurtful you don't say hello when you arrive in the morning, or leave at night.
Take it as an opportunity of getting to know all your colleagues a bit better, if you know each one, you won't feel so embarrassed at greeting them as a group when they're all together.
And just ignore the woman, if by any chance she hasn't grassed, you will be making yourself look like a fool, and putting yourself in the wrong.
If she has, she'll feel you know, anyway.
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you really must say good morning to your colleagues. If you don't greet people they assume the worst and will start thinking that you dislike them. This will be the same anywhere you are.

In this little village in France even when I go into a shop I have to greet everyone, whether I know them or not. The shop assistants will say hello to everyone who comes in, the owner comes up to shake hands. Women and small children that we know expect to be kissed on the cheek, male friends shake hands. Just imagine if you worked here, kissing all your colleagues when you arrive and leave the office! The least you can do is say good morning and bye.

Tell your manager that you are a naturally quiet person and that does not mean you don't like it there.
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The best thing to do is to let it go. I work in an office where most people say at least good morning and bye. The few that don't, we all have the Perception that they have no manners. You don't have to make a big production out of it. Just a simple good morning, and a "bye everybody" at night is all you need. It's not to much to ask that everyone just extend the common pleasantries. You wouldn't think twice about saying thank you to someone who helped you. This is a simple request that doesn't take a whole lot of effort. They are not telling you to bring in breakfast for everybody every morning for heavens sake. You can do this, and be better for it.
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She sounds like a nasty bully but perhaps other people do think you're being unfriendly by not saying hello/goodbye.

I know because I have EXACTLY the same problem; I'm not good at projecting my voice and small talk doesn't come naturally.

It took me a bit of practice but I always say "Morning" when I get in and try to say it to anyone else who comes in after me.

And I always make sure I say "See you tomorrow/next week" to at least one person at the end of the day ( I never get up and walk out unless there is someone close by to say goodbye to...)

For the 8 hours in between I just work away and no-one bothers me

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interior design
interior architecture or
architecture?

i really dont know the difference can anyone tell me the difference too
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... Hun, we can't pick out your career for you. We don't even know you. And if you don't know the difference between interior design and architecture, you have a LOT more researching to do before you settle on a career!

Interior Design falls under two categories-- residential (homes) and commercial (hotels, nursing homes, hospitals, banks, stores, office buildings, etc.). Interior designers do not do much to the structure of a building (other than maybe moving a door, raising a ceiling, or knocking out walls). Their main focus is on improving the aesthetics and functionality of a room. They choose colors, furnishings, wall coverings, window coverings, art, floor coverings, lighting, etc. 42 (I think 42...) states in the US require that interior designers be licensed. In order to be licensed, you must to go an accredited 4 year college or a technical college, have a certain number of work experience hours, and apply for licensure. In your college courses, you would learn how to draw to scale by hand as well as with computer programs such as CAD. You learn about art, textiles, furniture, how to sew, chemistry, and all the basic classes that everyone takes (like math, history, English, second language, etc.)

An architect (usually) must attend college AND graduate school. Architects work with blueprints and plan buildings. An architect would build the building that an interior designer would decorate. It is much more involved and you work closely with contractors, lawyers, investors, and city council.

However, I know a girl who graduated last year (2008) and was immediately hired by realty group in town to use CAD to design homes for a new subdivision. She was an interior designer with a bachelors degree, not an architect with a masters degree. And let's just say she was able to pay off her student loans in one year and then have money for a new car....
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Interior Design is when you have spacial perception and can transform any residential or business into whatever the customer wants. You draw what it will look like and the customer gives you their okay. Just watch some home design shows and I think you will like this alot.

Interior Architecture is when you actually design blueprints for the rooms inside of a bui'ding or house. This is for other people to build based upon what you have in mind. Once again you deal with the customer.

Architecture is when you design blueprints for the entire building or house structure. The blueprints tell a person what it will look like before it is made. Once again you deal with the customer.
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It all depends on you what siuts u best.

I have floating rate SBA commercial borrowing with 30 year term. Right now, the interest rates are low and My cash flow from the operation covers interest very well. But if Interest rates go up, the equation can change dramatically. How can I hedge this risk? SBA does not allow fixed rates.
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Unfortunately, the only way to hedge against this risk is to get a fixed rate. The adjustable rate loans are definitely NOT to protect the consumer, it's how the bank protects themselves from interest rate risk. Refinancing to a fixed rate is really your only option.

I have floating rate SBA commercial borrowing with 30 year term. Right now, the interest rates are low and My cash flow from the operation covers interest very well. But if Interest rates go up, the equation can change dramatically. How can I hedge this risk? SBA does not allow fixed rates.
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There is a way to hedge as you assumed there was. Since your borrowing is for a 30 year term, I think perhaps your best bet would be to sell a future contract on the 30 year U S bond through the Chicago Mercantile Exchange. You will need to open a commodity account with a broker to do so. Interactive Brokers is one that is on line. There are problems with doing so. The contracts are not long term. The furthest out you can currently trade is Sept settlement. They are marked to market daily which means if the price goes against you you will have to post more margin. As the settlement date approaches you will have to buy back the contract at perhaps a loss and role it into a future month with of course brokerage fees on both the buy and the sell. The contract is for $100,000. That might be more than you would wish to hedge. Also IB has a $10,000 minimum amount to open an account. Anyway that is one option. By selling one contract if interest rates rise, the value of the contract falls and you make money that will offset your interest rate rise on your SBA loan.

Here is another option. Very similar but different and perhaps more expensive. You could open a stock brokerage account with a different on line broker and sell short an index fund based on long term bonds. TLO is one. The problem with this strategy is that a short seller will have to pay the monthly dividend. Not good.

One other option to consider is the following: If interest rates rise, stock prices have tended in the past to collapse with the rise because it is more difficult for a company to make money with higher interest rates. So one option would be to short a basket of non dividend paying stocks or very low paying dividend stocks. There are index funds that will do this for you and pay you dividends besides. PSQ is one. It shorts the NASDQ 100. The stock market has been rebounding lately so the price of this one is down. If interest rates rise, the price should go up. I think I would wait until there is some indication of a rise though. The economy is crap and the government is giving money away by the basket full in order to save all the dead beat borrowers--AIG, GM, C, BAC, etc.
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Take that extra cash and save it for the hard times or pay upfront or xtra on the current bill.

On Friday I got two call backs from two different temp agencies. The first one has a 3 week assignment with no interview for $11.50, medical file clerk. It starts June 1 and I accepted it already. Later that same day I checked my phone and set up and interview for an Administrative Assistant job for $12-$15 per hour and it's a year long contract.

So I interview this Tuesday and have to sign papers for the other job, drug test, and whatnot the same day. I'd like to hold out for the better opportunity, but I may not get it. I've been out of work for a long time and could use the money. I'll probably ask when the job starts in the interview because if it starts in July I could do both. I may end up burning a bridge if I can't finish the assignment if I start that, but it's doggy dog out there and few opportunities arise in this recession.

Please let me know what you would do in this situation. I'm asking this again because people keep sending me links to scams. Please do not advertise!!! I'm looking for opinions or suggestions only.
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You don't have enough information to base a sound decision on. You need to find out when the long term job starts. I would put off signing papers for the first job, for one day if possible, till you can find out more about the long term job.
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I would actually try telling the job offer that pays less the truth and see if they are willing to work with you so you can do both jobs. I would even make sure the day I start with the other company is my last day or that you can have it off. Try not to bun any bridges but ask for help while you are in a position to get it. Most employers are willing to help if they know the truth and really want you.
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How soon will they contact you for the long-term position? You still have a week before June. If that accepts you, take it and go for it because its good money. Try calling in the week to thank the person for an interview or something if you don't get any news after a couple days.

i"m not moving there until i find a job but i am going there to find a job
and it might take 6 months
can i set up a P.O. Box?
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Well if you are going to be there longer than a month then report it to your unemployment office. They will send you your mail wherever you are. As long as you are actively searching for work, they don't care where you live. This will also keep you compliant. That way they won't ask you to come to the office or be a part of a job program in your "local area" the address they have on file for you now. What I'm trying to say is, just because you move out of state does not make you lose your state unemployment. That was paid in to them while you worked there. As long as you are not working, or are under employed, and you are available to work every day, you still qualify. Even if your out of state.
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You should be able to set up a PO Box with forwarding mail sent to an address where you will be. Just make sure you are not actually working out of state and collecting unemployment because that would be fraud
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When you have a job you will stop receiving unemployment so why worry about it.

I have a verified PayPal account. I do the survey sites, cashle, treasuretrooper, dollarsurveys, sell my e-books on kijiji, craigslist, etc.

I also sometimes sell stuff, is that how you make money?
I am selling a MP3 player right now on craigslist.

Thank you. I don't want a job, too scared and lazy & lack social skills.
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There are probably lots of elderly people in your neighborhood that have lots of stuff to sell, but don't now how ebay, craigslist, etc. works. Start a service where you sell peoples stuff for them and charge them a small percentage. It's easy and It's other peoples stuff. I got that idea off of this website: http://youcanmakeextramoney.blogspot.com...
Check it out for lots of other great ideas.

I sent something by recorded delivery buy dont know how you go about finding if it was recieved at the other end or not.
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If there is a tracking number on the recepit you had, visit the royal mail website at www.royalmail.com, and track the item.
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If you sent through the post office, then on your receipt will be a trackingcode usually starts with two capital letters followed by 9 more numbers and letters. Enter that into there website track and trace service, will be on there home page usually and you'll see whether it has been delivered or not. Parcel force do the same thing as do most of the other courier postal companies!
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You cant unless you get intouch with the person it was sent to. If they say it has not been received then you have to contact the Post Office, they can then trace it and see if it was delivered. If there was no-one there to sign for it it would not be delivered.
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go on royal mail website and enter the tracking number of the item u sent, it will be on the slip u had from postoffice, they can tell you when it was delivered, from which post office and you can view the signature of the person who signed for it aswell.
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It depends on who you shipped it through, but most carriers have websites that you can enter the tracking number and verify delivery.
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What is "recorded delivery"?
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depends who it delivered by there should be a code on the thing u signed to check online too