Okay, I know there is a new GI Bill coming into effect in a few months (I think in August 2009) and I was planning on the doing a ROTC Scholarship in college and I was wondering if the GI Bill pertains only to one branch or the military in general. I think it's all military but I just want to be sure.
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Ask your ROTC NCO or local commander........they can help you.

Report all spammers. Like the one who did not answer your question. I'll start........

I have to ship my first item with USPS, but I'm not sure if they check the box or if I have to seal the box before I send it.
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You take the item to the post office closed. If going international, don't forget the customs form. It is also a good idea to put your name and address inside the box in case the outer label comes off in the automated equipment. The postal service does not employ scanners to scan "through" the box. We use equipment to detect bio hazards in letters, but parcels are visually screened.
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Jsut close the box and declare the item. Don't worry about the verification as they have their own scanner to scan through your box.

My wife and I are divorcing and want to move to a different state. We are ok with foreclosure / repossession of the home. We do not have any land tied with the home in the mortgage. We are not concerned with credit but how will this affect us financially. Will they just take it away and ruin our credit or will we be responsible for the balance?
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They will foreclose, then sell it at auction for much less than you owe on it and you will owe the difference. They could take out a judgment against you which could greatly affect your financial future. Call them and see if you can work something out.

Have you even tried to sell it? You could possibly sell it for what you owe on it and salvage your credit.

Contact a Realtor.

How does this process work?
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If you have a bank account in the US you could easily withdraw the money into yours without having to bear any cost.

If you are not in the US, you need to link your Mastercard or Visa to your PayPal account and withdraw the money into your credit card account at $5 as service charge.
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You need to have your bank account registered with them, then after the payment has been transferred and cleared, click on Withdraw and it will give you a confirmation.

Realistically here,
I think I have a good idea for a blog and I have thought it out pretty well and I was wondering how much money could I make off putting an ad on there for people to click on?

Could anyone throw out some numbers about how many visitors I would need a day to make any money?

I just need some ball park estimates on price per click stuff
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ppc w adsense is usally from .01 to .75. mostly around .20, but it varies by the topic.

only about 5% of visitors click on ads, so usually you need lot of traffic to earn much. But then even most traffic will pay for hosting and time.

would the economy succeed.
everything would be cheaper in the form of profits being passed onto the customer.
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Keepling in mind that nonprofits do in fact make "profits" (called revenue) they just don't turn that profit over to shareholders, they turn it back into funding the mission of the organization. Also, nonprofit organizations receive funding from somewhere, yes? And one source of funding is from goods/services donated by or sponsorships from (gasp) places like Walmart and other successful organizations. And companies like Walmart hire people who also take part of their checks and may donate it to nonprofits of their choice. If all companies were nonprofit, there would be no funding sources to supply the necessary income to maintain operations.
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Communism was tried and failed in the Soviet Union and its satellite countries. Without profit, people aren't motivated to work harder or smarter so the entire economy suffers.
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then there would be no motivation for people to run the businesses and therefor the economy would come to a halt.

also if you applied for a job online and there's a automatic msg that says it will contact you in 15 days if your qualified is it alright if I call up to follow up after a few days or should I just wait?
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I would check back on earlier in the week like Money or Tuesday when most places aren't really busy.
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It is okay to call back, but pretty much all the hiring managers work normal business hours(M-F 9-5).

I am applying for a job at Tim Horton's tomorrow, and I have my resume and application form. My question is, do I walk in and hand it to a worker, or should I ask for a manager to give the forms to?
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I would walk in and ask to speak with the manager and tell them a little about yourself. Try telling them things about yourself that might make your name stick to their brain. Think about where your applying and what skills you have that will make you seem like a good candidate.
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A great part time job is doing Free Surveys Online. Its a Fast, Easy and simple way to make extra money. check this blog for info and Proof of Payments

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Thanks in advance!
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Some banks are now offering bridge loans for this. Ask the mortgage lender you are using, or the bank you are getting your loan through.
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Correct answer ..... you can't


Per FHA guidlines, a borrower can only obtain monies for their actual 3.5% downpayment from the following sources:

* Their own funds
* Up to 100% gift from relative/family member
* FHA approved non-profit organizations
* Monies from their employer in the form of an employee contribution
* Monies from secured borrowed funds, i.e ...401k, another home/car


You're probably referring to a letter put out by HUD/FHA earlier this month, which said that the tax credit could come in the form of a "bridge loan". That letter goes against FHA laws and has since been recinded.

That's not to say it won't in the future, but for right now, the only way you can provide a downpayment is from the items I listed.


Hopefully this helps
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By filing an amended return for last year, and getting the cash. The FHA pretty much said this is ok. Sub prime crazy, but that's what is happening.

I have limited funds so could you please list free sites? I have it listed on Craigslist and Zillow.com. Please Help!
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www.iggyshouse.com will put it on the MLS for free. Nothing will guarantee a quick sale, though. The price will have a lot to do with it, as well as the location and condition of the house,
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Get a realtor who advertises in a lot of areas, and takes LOTS of photos. Someone who takes like 3 photos and leaves is not doing you the best service for the money.

The MLS allows up to 18 or 20 photos and you should max it out. Buyer's want to see lots of photos before they take the time to go out to a house. Make them appealing, and get the best angle of every room.

Clean them up and make them presentable (even if just for one day ;-)

Good luck in selling your home!

I gave my boss a three week notice, and he says its not enough. I am not in management or any executive position. Has been making me feel guilty for deciding to leave, and is begging me to come in on weekends and time off from my new job to help him. I just want out and to cut all ties, but the guilt trip is incredible. I have tried to speak reasonably that I cannot make any promises about what time I will have available, because I am not at my new job yet. (I only gave notice a few days ago-so I am still at my old job). The begging is making me crazy. I offered to assist training my replacement, and if need be to spend an hour or two on a weekend to help train and answer questions, but I am afraid once I do this, I will get suckered in for a whole lot more. How do I handle this tactfully and with class and not look like a B****? Thanks for the advise.
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don' t feel bad. You did what you had to do. Stay firm but yet compassionate. Stick to your guns and try to compromise but don't be a push over. good luck
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If you need your current boss to give you a recommendation or any feedback for a future job, I would be patient and adapt to his requests for the time being. But if you think you won't ever need a recommendation from him, I would not be flexible - do whatever you want to do. Three weeks notice is reasonable for a non-executive position.
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Um your boss is lucky you gave 3 weeks. Most people don't even give 2 weeks nowadays. He should also be thankful that you're willing to help train the new person.
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If he is that desperate to keep you, he would offer to pay whatever you want to keep you. Stick to your guns.
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These are tough economic times and a lot of companies are short of staff. This means employee turnover creates a hassle for the remaining employees because companies are reluctant to find replacements due to budget constraints and other reasons. However, you have already offered your assistance and he seems to want more. You should just state that you are available to train the new hire until you start your other job. It is important to offer your help but to be clear that you have limits. Conversations with managers can be difficult but the key is to provide them with options. Always offer options! None of the choices may be ideal for the manager but at the very least, you left the conversation open-ended. This is important.

This is not an easy task but I wish you the best of luck!

Ok, someone at my office quit and they are currently hiring a replacement. I think I would do the job just find. I'm qualified and have worked in that office for 1 year so far. In the past, they always ask the people who work in the same dept. if they would like the opportunity to advance and take the available position, but this time around they didnt ask me and I dont know why. I'm hurt. But I'd like to apply for this position since nobody asked me. So my Question is, am I allowed to send my resume the way everyone else applying for this job is doing? Or is that like a big no no?
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Don't send your resume as you aren't an outsider. You really need them to hire you as an internal application, right?

Take a deep breath and pull yourself together. Meet your superior officer and ask him/her to make a written recommendation for you to get the post.

Make 3 hard copies for the internal application resume and send 1 to your Human Resource Manager, 1 to your superior officer and another 1 for you to keep.

What are you waiting for? Go, do it now!

It was just for a simple Target card too! Ridiculous. They said "we're sorry that we can't approve your appplication, we were unable to verify the information provided on your application.

I have absolutely no idea what that means, and I remember filling it out correctly.

what could I have made a mistake on, that they didn't get?

I used the same info for other applications and I'm sure I got approved, so I don't get it.
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It's not unusual for a creditor to deny a card if they cannot verify a piece of information that is on the application.

Some of the biggest reasons why that happens is because an applicant typed some of the info incorrectly, the applicant used a cell phone number instead of a land line, the applicant used a P.O. box number, the info in the applicants personal section on their credit report is different than what they placed on the application, etc.

Call them and ask what information it was that they could not verify.
Chances are that Target will ask you to verify the information that kicked your application out.
They may reopen your application after you verify who you are (in that call) and either approve you or they will deny you for another reason.

If they don't ask you about verifying that info, or they don't say that they will reopen the application after you give them the verifying info, ask them to do that.

If, after all of that, you are denied for another reason then ask them to reconsider their decision.
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I got rejected for a Target card because I had moved within the previous year. Relax. All is well.

I'm relatively new to the stock market and I have heard quite a bit about options trading. Can anybody shed some information on the risks as well as the viability of options trading in turning a profit?
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Maybe an example would help.

When I got hired at my company, I was given 1000 options of shares in the company. The price on my options was the value the day I was hired (let's say that was $50). I'm allowed to at a later date then buy shares at that price, regardless of what the actual value of the shares are.

So if the share price was now only $40/share, I don't have any obligation to buy those shares (or "exercise my options") at $50/share. However if the price today was $60/share, I still have the right to buy them if I want to. A common thing to do in that case is to buy the shares at your option price ($50) then immediately sell them at the current value ($60), which would mean I'd walk away with a profit of $10 a share.
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http://www.888options.com/basics/default...

http://www.optiontradingpedia.com

The buyer has the right to exercise an option but is not required to do so. It is the buyers choice.
http://www.optiontradingpedia.com/#what%...
Scroll down to "Stock Options-What is it"? and "Stock Options-In layman terms".
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1. the risk is if the option expires worthless.
2.it means buyers can decide to exercise the options or not.
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Option selling is great way to use options to make month income.
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CBOE and the OIC have websites and quickly answer the phone 888-678-4667

k if you hve a cna degree where can you work other then a nursin home.........some place easier where there not alot of lifting and etc....
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A great part time job is doing Free Surveys Online. Its a Fast, Easy and simple way to make extra money. check this blog for info and Proof of Payments

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Ceira, I hope you spell better and use better grammar than this when you're applying for your jobs. It doesn't matter at all here, but it matters a lot when you're trying to convince someone to hire you.
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join the military if your not fat or old, i heard they are hiring, i think we might be at war or something. Need some spare body's
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First, on your application, spell your words right.
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a nursing home, or a hospital... i think that's pretty much it.
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try www.indeed.com

With short sales, after an offer is made to the listing agent, he will bring it to the bank and hoping the bank will agree to the sale price. What is going on behind the scene in the bank? Will decisions be made by one person or a group of people? Any particular formula they look at? Or do they sit back and laugh at all the offers?
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I specialize in short sales.

1. You submit an offer to the listing agent.
2. The listing agent presents it to the seller.
3. The seller accepts the purchase offer and the listinh agent sends the short sale package to the lender.
4. The lender conducts an appraisal (aka BPO) on the property to se if it makes sense to do a short sale or continue to foreclose.
5. If the numbers look like it will work, then the lender will submit the short sale package to the investor holding the note for approval.
6. Once approved, the seller gets an approval letter from the bank and you guys open up the transactio like a retail purchase.

I wrote a blog on how to buy short sales:
http://activerain.com/blogsview/1079781/...
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Many factors in the short sale process hence a reason why the majority of times a short sale fail,

First is the FMV of the home, the bank will request this from a broker if your offer is in line you have a chance

Then are there other encumbrances like liens or a second loan if so the chances of success decrease

Then you have the issue that certain lenders are requiring the seller to sign a promissory note for the difference even if legally they are not obligated i.e. non-recourse

Then if the seller has other assets like savings etc the lender will not do the deal
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They will only laugh if it's a dumb offer. There are many people that will look at it. They will crunch the numbers to find out what is better, selling at an offer price or to hang on to the property.

My tax preparer put my "taxes due" amount on the "estimated taxes" line and the IRS has returned my payment because of that and subsequently billed me for the amount due plus interest. I'm sure that I can get the IRS to credit my payment properly, but if they won't waive the interest is my tax preparer liable for it?
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No, he is not. While many will cover the penalties (and occasionally the interest) due to their error, they are under no LEGAL obligation to do so.

Keep in mind that if he does cover any penalties and/or interest, you must report that as income on your return next year on line 21 as Other Income.
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If the IRS sent you a check for the money that you paid them then you have sufficient proof to have the penalties and interest on that amount removed as of the date that you mailed the payment. It will take a human to override the system though. TFTP. Report Abuse

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I'm hard pressed to believe that the IRS returned that check like you say.

The IRS computer is coded to not trust the estimated tax line. The account doesn't use the number from the tax return. Instead it uses the amount shown on the account itself.

On the other hand, I would believe that your preparer put the wrong number on the withholding line and verified it later with the W-2.
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Here's what I would do...
1. Call your tax agent and explain their mistake to them - ask them to organise to have the interest waived at no cost to you. If the interest cannot be waived, ensure they pay for it. Any reasonable tax agent will be happy to rectify their error.
2. Find a new tax agent.
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Liable in what sense? Can you sue him for it? Possibly. I would HOPE that any qualified professional would offer to cover the interest himself. I know that H&R Block offers that as a guarantee.
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You are responsible for whatever you owe. A preparer who makes a mistake that costs you a penalty could offer to pay the penalty.

well, im getting called for an interview tomorrow,
and when the employer asks me what i am, i will lie and say im puerto rican (im actually american mixed with asian, but i look more hispanic than latino, and plus i speak fluent spanish)

I live alone,
anyways,
would he know im lying if i tell him/her im from puerto rican background?
will he find out?


i was born in Houston, my parents both live in Canada, my dad is american and my mom is phillipino,
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no way, he'll never find out. what, is he going to hire a private investigator to do a background test? i'm half-Hispanic half-White and I plan on listing myself as full Hispanic on the SAT's.
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What are you talking about?!?!?! Employers do not ask you your national origin in an interview. You're kidding right?

And why would you lie? That makes no sense at all. If you were born in Houston, then you are American.

I will be out of school Sunday. I am done with school for ever im 18 and a 12 grader. I will be living at home. My rent would be 300 dollars a month. My health will be 89.00 dollars a month. I will have to pay for car insurance it is paid for 6 months. I don't have to pay for food that is included in the rent.Gas would vary my job is 2 miles away. My most problem is going out and buying stuff. I spend 200 dollars a month on going out and eating and gas. But gas cost alot cuz I was driving to school and back. What is a good budget for all of these.
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There is no budget that works perfectly for everyone. Staying at home after graduating from school or college is often a smart choice. Why? You get the opportunity to save money for when you truly need to move out. Save as much money as you can, but don't forget to enjoy life a little :)

Get a job, and make sure you save a fair portion of your income. Do you plan on going to college? Technical school? If so, make sure you keep your cash in short term investments. Otherwise, you can risk longer term investments such as stocks/retirement accounts/etc. Make sure you save some money and don't forget to have fun.
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By google to collect some related information or you may try using answer engines like yahoo answer or yedda.com to get some related ideas.nonetheless,If you prefer some direct resource,here http://www.CarInsuranceTip.info/free-car... is a good one from my own experience.
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Need money?

Take easy online yes/no surveys to make money at home. Really simple. Not a scam. You WILL get a check in the mail. Great for teens and stay at home moms.

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no online places because i dont think those are safe. unless you've tried it yourself and can tell me that it is safe.
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there is one in london or hamilton where u can ask to send you a free written copy of your credit history
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My rent is due June 1st. Do I still have to pay it if they want me to leave 30 days from today May 22nd?
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In a month to month rental, they can give you 30 days to leave for any reason. If they gave you this notice anytime after May 1st, then you have till the last day of June to leave. If you are still there on July 1st, then they have to evict you. You will have no grounds to fight the eviction as they are merely asking you to leave and you haven't left.

Also, check your state laws. They might have to serve you a 60 days notice because of the number of years you were there even though you are a month to month tenant.
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Is it a court ordered eviction notice? In most states, you do not have to vacate the premises until it is so order by the courts. Many landlords and rental companies send out these "notices," but in all reality, its nothing more than a note you get from your landlord. They can not act based on that notice, and if they do, in most states you are entitled to your security deposit back, because they broke the law by illegally evicting you. Now, if it is court ordered, I would go ahead and pay the rent, and any refund due to you, will be mailed to you. Just remember, if it is not court ordered, you do not have to comply. Good Luck!!
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Eviction is the only way a property owner can force you out of your premises even if you have not paid your rent. You should not move only because the eviction procedure has started. You will lose the house only when the landlord wins the eviction action in the court. Even then the judge may give you extra time to move or Stay Of Execution if you pay what you owe, or you might be able to bargain for more time with your landlord.
If your landlord locks you out of your apartment or tries to force you out without a court judgment, he is breaking the law. Contact the police at once.
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Did you give them first and last month's rent when you moved in? (Many places require that). If you did, then you've already paid for the month of June and you're ok. Otherwise, you'll have to pay them for it when June 1st comes. So one way or another yes you have to pay rent for the month of June.
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Yes you will still owe June rent. A court order doesn't usually happen unless you stay past the 30 days notice you were given. Letting it go to court could buy you some time, but will be costly because your the one that will be paying the court cost
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Depends what your state rules are. Is there a long term lease or is it month to month? They can kick you out with 30 days notice if it's month to month. What's the reason for this? Are you behind on rent?
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Yes, you still owe rent during the time you live there (30 days from May 22nd)

OK, so here's the deal. We own a condo, and, like everyone else, we got a home equity to pay off other bills etc, and now we owe $100k on it. There are 3 other units in our complex that are in forclosure or short sell going for I've heard, rediculously low prices of 65-75k. I am planning on going to law school in a year, and we were wanting to sell, but it looks like we might be under water, so what should we do? It was stupid to take out that much in home equity looking back now, but it is what it is at this point. My wife thinks we should just try and short sell and get a loan for the difference (we both have really good credit) but first of all we have never been late, so I doubt they would work with us, and secondly, with us having to move, how could we possibly get a loan to cover a 40k hole. The other option is renting it out, but then you have all the headaches involved with that living 8 hours away, and I doubt we could rent it out at enough to cover the payment and HOA. I said maybe we should think about just walking away. I will be going to law school and that's three years, so we probably won't be buying again for at least 5 years, we have no credit cards and no car debt, and we've been pretty smart up to this point, so this is not what I want to do, but I just don't know.
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I would not completely rule out the rent option, you could find a rental management company in your town to do all the day to day and they mail you a check every month. I think you will have to dip a little in your pocket, but it will stay yours and maybe sell when you graduate.
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You did Not say how many units are in your complex , just the number in foreclosure . When the vacancy gets high , the remaining people can't afford the total HOA bills and utility companies are starting to shut of power and water even though there are still paying occupants .

If the occupancy rate is still high , you will be much better off going through the rental headache than the other options which will have you in debt for decades . Seek out a property management company if the complex is still viable .

You may have to choose between law school now and waiting until your finances and the housing market are more in your favor .
The negative credit stays on for 7 years .

good luck

>
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You won't buy again for 5 years, but your foreclosure will remain on your credit report for 7 years.
I would pay down your home equity as much as you can comfortably. Then, in a year put the condo up for sale and see what you can get out of it. I think renting it out is a good idea. At least it may cover your payments - the HOA dues can't be that much money - not nearly as much as eating a $40000 hole. You can live 8 hours away and have someone manage the condo or have a family member help out in that?
You could get a personal loan in a year using the cars as collateral.

Just some ideas.

I have a 20x20x20 40lb. box to send. Can I ship it USPS or do I have to go to UPS?
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Yes, the US Postal Service will take that. They take boxes up to 70 lbs and the dimensions are well within their limits.
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They will take that for sure, well UPS will. Isn;t usps in the states and ups in canada?
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go to the post office and ask

just wait for them to call me, or do i need to call them & ask if they got my application???

i am 18 and have never had a job! i am sooo clueless about all of this stuff ):
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This is what i do every time I fill out an application, whether it be online or in person.

1. After I fill the application out, I call 3 days later and ask to speak to the manager. ALWAYS ask to speak to the manager because well I don't trust associates. Sometimes they'll ask you what the call is about (because they don't want other people stealing their positions) . So just politely say "Interview". =)

2. "Hi, my name is *insert your name*. I filled out an application, and was just wondering if you had a chance to look over them yet?"

3. And usually they say they're in the process of going over applications. So that's really all you can do until they call.

I usually follow up with another call a week later if I hear nothing. And if still nothing I move on.
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Call and say that you recently submitted an online application and ask if they are currently hiring. If they say no then ask if they will be hiring any time soon.

Or, if you know that they're hiring tell them that you submitted an application online and you'd like to know if they were currently setting up interviews.

I know how stressful it is finding your first job, good luck!
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im in the same boat as you girl.
everyone has told me to just go ahead and call them a week or two after youve submitted ur application. i feel like by calling them, i am being a pest..but its a good thing, because it shows that you are really wanting this job, and that u are a "go-getter". so yea, wait a couple of weeks and then call them and say ^^what heather said^^ oh yea and if they are hiring just ask what the status is on ur application.and just show that u really want this job. maybe if you bug them enough they will get tired and hire you even if they dont really need any help.
goodluck-
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I would call and ask to speak with their manager, that company is pretty good with hiring people without experience. Just depends on how busy they are and if they need people or not.
...............................................................................
Need money?

Take easy online yes/no surveys to make money at home. Really simple. Not a scam. You WILL get a check in the mail. Great for teens and stay at home moms.

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I'm trying to write a contract where my dad is aloud to borrow my cellphone for one week. $21 up front, or $2 a day with 50 cents for each call made or received. Also, a $10 safety deposit for scratches, if the call history has been tampered with, etc. and $50 if he loses it. Please help me write a contract with minimal loop holes. Thanks
...............................................................................
A contract requires an offer and an acceptance. It doesn't have to be perfect language necessarily, but the language should be clear enough that everyone understands it.

You would write:

I, John Smith, agree to pay my son, Jerry Smith, $21 for use of his cell phone for one week's period, starting on this date and ending on this date at this time. I also agree that I will pay $2 per day, and will be charged $.50 for every phone call that I place or receive. In addition to the $21 down payment, I have made a $10 refundable security deposit in case the phone is scratched. I will forfeit this deposit if the phone is lost or stolen, and will be charged an additional $50.

Then you basically state in the same type of language that you acknowledge that you have received the money from your dad. You both should sign and date the thing at the bottom.

Just a piece of advice, this contract is way too complicated. You should make it simple and just charge him a flat fee to borrow the phone for a week, and charge him for each additional day that he keeps it after a week. The deposit for scratches is ridiculous, because it will be hard to prove, and scratches on a cell phone are considered wear and tear. I agree that your father should be held responsible if the item is lost or stolen.

Also, why do you need a contract for this? Unless you will take your father to court over less than $100 (which isn't worth the filing fee), then I wouldn't bother having a contract at all.

-Matthew

. So do I call and ask them AFTER i've paid off my bill (in full) to show them that I can pay it off? Or do I call them while I have a balance owing to show them that I am in need of a credit limit increase? What do you suggest?
...............................................................................
I would do it any time but how much do you need? I would try after you pay the bill.
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Have you given any thought to making your addtional money οn tһө nөt? I really wanted a loan but I made the decision to see if I could secure what I was in need of by harnessing the might of GοοgΙө. After a month or so I was making enough money to think about ditching my job. You can find out more for yourself here http://mirevf.g0v.biz they've got a risk free trial. It's loads better making money than borrowing it! Go to the ѕіtө now to find out what it's all about - you will be happy that you did!

I am aware of a person regularly hiring people to do construction work but there is no record keeping, tax withholding etc. One of the workers was injured and has no workman's comp.
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If you suspect or know of an individual or company that is not complying with the tax laws, you may report this activity by completing Form 3949-A. You may fill out Form 3949-A online, print it and mail it to:

Internal Revenue Service
Fresno, CA 93888

If you do not wish to use Form 3949-A, you may send a letter to the address above. Please include the following information, if available:

Name and address of the person you are reporting
The taxpayer identification number (social security number for an individual or employer identification number for a business)
A brief description of the alleged violation, including how you became aware of or obtained the information
The years involved
The estimated dollar amount of any unreported income
Your name, address and daytime telephone number
Although you are not required to identify yourself, it is helpful to do so. Your identity can be kept confidential.
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Construction work is tricky. First of all, a company or person may hire someone else to work on a construction job and not have to withhold taxes, etc. This is called contract labor or Independent Contractor. As such, the person getting hired is responsible for all applicable taxes. Also if you are hired as an IC you are responsible for workman's comp injuries unless the hiring company or person is responsible for the accident.
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I assume you want the reporting to be anonymous. I don't know if the IRS takes anonymous reports or, if they do, whether they have the manpower to follow up on each report. But they aren't the only ones you could tell. The state's not getting its income tax either. Or, how about OSHA? Maybe the local newspaper would like to do an exposé.
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Many construction workers do work as independent contractors. They're hired on a job-by-job basis for a specific task, such as framing a home or doing the drywall work. They are properly responsible for their own taxes, insurance, etc. There's nothing to "report."
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It is my understanding that if workman's comp laws don't apply he can hire a regular lawyer and there is no limit on the law suit.

If he can find a lawyer who thinks it is a good case.
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If you report them, you can actually get some of the money recovered if you help the IRS get money back. Their web site has a page for reporting tax cheats.
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dont report it.. let them deal with it.. it's there business and the two of there issues.. not yours.. I think the guy that was injured should figure it out himself
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Just call them!
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Call their 800 number, the one that ends in 1040, they shall fall like the locusts they are

you don't remember when people stopped paying poll tax? I think people were jailed but eventually the law was changed. I suppose in he case you suggest people would be fined and jailed initially but it would be a gradual process of civil unrest. It would just escalate. I am sure there are many similar instances in many other countries where you could find the answer.The things is not everyone would stop. Some people think it is perfectly ok to have to pay car tax- it is not that bad after all, is it?

I check my credit scores each month through Truecredit.com and it looks like some of my payments airnt being reported on my credit. is there anyway to report this so the people can put this on my credit so it will knock up my scores. My scores airnt bad 720, 704, 694 is what they are but I need to get them higher. All my payments are always on time, I have never had any late payments or any bad reports on my credit
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You can contact the credit reporting agencies and file a dispute. Tell them you have an account with .... and would like to have it reported on your credit or you can call the credit card companies and ask them to update the information on the credit reports. Unforturnately not all of your credit reports to the same agencies all the time. You can request the updates.
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No, only subscribers can report to the credit bureaus.

Utilities, small businesses, medical providers, and landlords do not report to the credit bureaus. The only way these accounts would show up on your credit reports is if you default and is referred to a collection agency. Most larger collection agencies are members of the credit bureaus.

The fact that your bills don't show up as collection accounts is a good thing.

http://www.justmakecash.com/I_MADE_70000...

I just wonder what are they and if they works...
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Its a scam big time, no real company or person would ever do that unless they're dishonest.
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Don't do that, I've seen websites like this before. The story is believable but he never gets straight to the point. I saw something similar advertised on CNN and CBS that is a lot more credible, if you wanted to get into that business the right way. http://www.ichangedmylife.net if you want to check it out. PM me if you have any questions (yes, I do it).

Cheers,

Jeff
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DO NOT DO IT! One piece of advice that I try to live by... If it sounds too good to be true, it probably is! There are lots of desperate people out there due to current economic conditions, and lots of people are out to make money off of them.

I live in oklahoma, broken arrow
and i was wondering what are some jobs i could work at.
im 14 im a guy im pretty strong.
IM GOOD LOOKING.lol
i was thinking something like reasors, target etc..
but i don't know if they will hired me and i don;t want to make a fool of myself.lol

and what could i be (position)?
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Honestly, when I was 14 years old, it was really tough for me to find a good job. The best places that would hire me and other teens, would probably be your local grocery stores, like Kroger, Publix, Wal-Mart, Target, and maybe even a lot of restaurants like Mcdonalds, Wendys, Burger King, Chik-fil-a, Subway, you should try to apply to these kinds of places even the ones mentioned above, because they hire almost everybody.

By the way, a lot of people might offer you jobs on the internet and all, but most of them are scams, so please be careful.
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all web stuff aside, you may want to apply at fast food joints. they most likely will put you on drive thru, but its mostly steady work. i dont know about oklahoma's laws, but they might have an age limit for how old you have to be before you work.but you will pretty much be doing grunt work wherever you apply.

I plan on buying a house, I want part of the realtors commission, either the seller share a portion with me if I don't use a buyers agent, or my buyers agent share half with me. My buying agent has maybe spent 4-5 hours looking for houses for me. Do they really deserve $1,000 an hour? Is this a fair question to ask the realtors? One realtor has done this for me in the past. It's there money, can't they do with it what they want, or is this against the realtor rules?
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They can only rebate you money, not give you money. It's common practice and a lot of brokerages are offerring rebates on commissions. For example:

www.redfin.com

If I was approached in this manner, it would depend on how much effort and work I have put into this. Also, keep in mind we have a lot of liability to deal with.
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First and foremost the sales contract is officially with the broker not the agent, second its illegal for a broker to pay a commission to any one but a license agent in good standing, your option is the commission itself, every commission is negotiable if not it would violate anti trust laws, so if you think you can work a deal on how much commission you must pay out to an agent to find you a house good luck, but on the sellers sides the sales contract will be signed off allocating how much the seller and buyers agent makes, now in your offer you can suggest that based upon your lower offer the agents should take less but in the sellers agent since they have legal binding contract they do not have to accept your lower offer on commission no matter how much the seller may want to do the deal
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It is against their contract. It is illegal. The realtor not only gets those funds, but they pay some of it to their company as well unless they are not affiliated with anyone. It sounds like you already have a buying agent, so you cannot ditch them so you can buy the house without a realtor - that too is unethical and illegal.
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It's illegal in every state.

Why would you expect your realtor to give up their income?! If you ran a company would you expect people to come in and demand a 50% cut in your salary just because they don't like how much you earn?! You know the deal before you start working with a realtor. Discuss before you start working with them, not after they've done their job! If you don't like their commission rate then talk to them about it *before* you start working with them. Remember, their commission is split between them and their broker: in most brokerages, *any* and *all* discount comes off the agents portion first. You want 50% off? You're basically asking the agent to work for free.

They only worked 5 hours? Rubbish. It'll take 30+ hours to bring a contract to closing, and that's if it's a simple contract. Have anything go wrong or the situation be complex (& you're sounding like the sort of person that would make it become complex) then it can be open ended on the hours. They spent 5 hours and found the place you like? Has it ever occurred to you that that indicates the realtor knows what they're doing?! Would you expect a dentist to take a 50% pay cut because they did the job in 10 minutes, painlessly, or do you really want them to "earn" their money by making it take 12 hours and hurt like hell?!

why dont u just say mula like me,, trien to be smart soundin and say "currency"

how much interest is made per day if you have 675,000.00 in a savings account?how much in a cd?please show me
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It depends on the interest rate. If you assume the interest rate on the savings account is .5%, then the daily interest is $9.25.

$675,000 x .005 divided by 365 = $9.25.

If you assume the interest rate on the certificate of deposit (CD) is 2%, then the daily interest is $36.99.

$675,000 x .02 divided by 365 = $36.99.
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My savings account has an annual interest rate of 3.15%, so I would make $59.06 daily. Remember it compounds too, so it will go up slightly.

If you want to figure this out yourself for different values, just take the percentage rate and divide it by 100, then divide by 12 for per month, or by 365 for per day, and then multiply that by the amount.

"Green Day has the most popular CD in the country, but you won't be able to find it at your local Wal-Mart.The band says the giant superstore chain refused to stock its latest CD, "21st Century Breakdown," because Wal-Mart wanted the album edited for language and content, and they refused."

Um, you can buy it at my Wal-Mart. Is it just in the US that you can't? I'm in Eastern Canada not that it should really make a difference as Wal-Mart is a chain.
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idk..but i think its all wal-mart branches..stupid wal-mart how can they refuse green day's album..don't they know that they just refuse millions of dollars
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Does Canada have the "parental warnings' that the US has to put on their packaging? that's the deal here. And not all Wal-Marts carry the same things

do you check it out at night?? For example, a Realtor might try to sell you a good looking house, in a descent neighborhood but forgets to tell you what the night life is like. Next thing you know...you're hearing gun shots a block away while trying to sleep.
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You should check it several different times of the day - after school is out, Saturdays, Sunday also. There was a TV show that had families looking for a new home select one and spend the night there to see if they liked it.
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u basically know abt the neighborhood crime if live in that city for some time

Bishop Company P07-06A
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I've sent the file to that address you gave me.

I have owned my own business for 23 years.
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11 yrs-2 mths
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78 years.
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17 years.
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31 years this month
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14 years
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2 years and 10 months
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33 LONG years!

Although its taking me a lot of pride and big bitter pill to swallow, I am thinking (at 26 years old) to go back to the retail job I had when I was in high school. Would you do it? I need money and it would only be for a month! Any other suggestions? Maybe waitressing would be better because I would make tips? Also, I am starting school in the fall and have a lot of admin experience. Its only for a month or two though...
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maaaan! in these times you do what YOU have to do. a month ago i was a railroad conductor now i'm sweeping a house for someone else to flip! life's funny that way.
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Actually, if you look at it another way you are kind of lucky that you have a job you can go back to. There are a lot of unemployed people who formerly worked as highly trained professionals that would like to have any job about now. It sounds like it's not going to be permanent so I would say go for it. And as a former waitress in high school I would go with the retail job unless you are a real people pleaser with a lot of patience. People can be real cranky when they are hungry.
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If the job you had in high school bring in more money then you are making now then yes. What's wrong with a 26 year old working in retail? That's where most young people work anyway. You should see the 98 year old women that work at Macys.
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I am in a similar situation. I just graduated from college, and I am back at my degree. It is kind of hard to go back to the job you had in high school.
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Retail offers a lot of flexibility. You may find it a refreshing change while you are in school sitting all day, to be on your feet at night.

A bull market is when the stock market is generally going up.

A bear market is when the stock market is generally going down.

Which do you like better, the Gecko, the Cavemen, or the Stack of Money?
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The Gecko, of course. This is one of the cutest attention getter's there is anywhere.
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I LOVE THE GECKOOO!!!!!!
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You watch WAY too much TV.

Do you think I can afford this house?
My husband and I want to purchase this house. It is $60,000. We will put down 20% ($12,000) and get a 15 yr mortgage, at 4.625%. The payments will be $370 a month, and $200 in property taxes. ($570 total). The seller will pay 4% towards closing costs, plus $500 for flooring allowance ($2,900 total). We have been approved for a $100,000 mortgage.

My husband makes $2,600 a month after taxes ( up to $3,100 w/ overtime) and I make $700 a month, but take out $500 to save up for the upcoming semester of school. After, we have $2,800 monthly income.

We have about $8,000 in investments, and $20,000 saved up for the purchase of this house. Upon purchase, after a 2008 tax amendment, we will get a check mailed to us for $6,000, thanks to the first-time home buyer tax credit! :)

We will need to pay utilities, home related insurances (home insurable for $50 a month- AAA), $250 a month for cell bill, and car insurance, and a couple small expenses. I have $3,000 in student loans that I won't need to pay in for at least 2 years. ( I may not end up paying, as my parents generously suggested they might may as grad gift) and he has $200 in credit card debt currently, that he is paying off ASAP (car repair last month) We don't typically use credit cards for everyday purchases.

The house doesn't appear to need any major repairs, inspection came in near flawless. The kitchen is outdated, but that can wait.

Can we afford this home? Also, we are just starting out. We don't have furniture and don't expect to buy a houseful at once. But, how much do you think we will be able to spend for furniture and cosmetic updates, if any?

Thank you for reading this, and for your advice!
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You can afford this house. Congratulations.

At $570 a month for mortgage (property taxes included) and an approximate gross Income of around $4000/month you use less than 20% of your gross income towards the mortgage. (the recommended "safe zone is 28% to 30%). Your other liabilities are minor and you have virtually no credit card bills. Even the $3000 you owe on the student loan should not be a burden.

I don't know where you live.... but I wished I could rent a house for under $600 a month and would be in 7th heaven if I could find a decent house to buy at $60K.

Go for it.... and keep adding to your emergency funds. Furniture can be found cheap in any thrift store and if you give yourself the time to look you will find decent furniture. You should look into buying energy efficient washer and dryer and check your water heater. If it is old... replace it with a new energy star model and you will save a lot in utilities.

Your bank approved you for $100K - don't get tempted and use the remaining 40K to buy furniture and make improvements right away.
Instead keep your saving habits and tackle one job at a time with money you have saved for each project.

If you don't overdo the upgrades right away and spend money that you don't own... you will be fine.
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$60,000??? do you live in a ghetto area?? where i live houses are about $600,000
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You should be fine with your income. Also, you stated you were pre approved for 100k, so, obviously, the bank has faith in your ability to repay that also.

I make a tad more than you and your hubby and bought a place for 75k. I don't have any problem making the payments.

My wish is to be able to provide equations of our former currency, allowing conversions of all coins & notes, eg;

1; a pound to a dollar
2; a fathom, halfpenny, shilling etc to our current coins
3; a comparison example of an amount eg $750 to pounds.

Finally I seek the names for each of the former coins & notes, as well as their nicknames (zac, dina, quid etc).

Your help is appreciated.
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Prior to 1966, Australia used the British system of Pounds/Shillings/Pence.
1 Pound = 20 Shillings
1 Shilling = 12 Pence = 2 Sixpence = 4 Threepence = 24 Halfpennies
1 Florin = 2 Shillings
1 Crown = 5 Shillings

In 1966, 1 Pound became 2 Dollars.
So...1 Dollar equals 10 old Shillings or 5 old Florins or 120 old pence.
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These two links may be helpful. I hope by fathom you mean farthing.

a couple just about spliting up who have a mortgage .wich is a high mortgage as it paying interest only for the first 3 years,the male can come off the mortgage in october 2009 as the female wants to carry on with the mortgage,she is on a debt recovery plan near enough bankrupt,the male has given 950 to a thousand every month for bills excetra.we have just found out the female hasnt payed any house hold bills since august 2008 a debt owing well over two thousand pounds .electric gas poll tax water.what is the best way to get out of this mess .walk away or carry on with the mortgage,if the female defaults on the mortgage it will be another year before the male can get off the mortgage,,,,what a mess any advice please emma xx
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Unsure if you are asking for advice on behalf of female or male....
The female needs to draw up an action plan. Firstly work out her disposable income (in-comings minus outgoings) & then call the companies she is in debt with. Assuming gas, electric etc are still with the same provider she cannot add this to her recovery plan as they will disconnect her service. This means she needs to start paying the bill, plus extra to cover the debt.

If she cannot realistically cover all expenses alone, it is time to sell up. Burying her head in the sand will get her house re-possessed, sold at auction for less than it is worth & then she will have a mortgage shortfall to add to the list of the debt. If the house is sold, the utility bills can be added to the recovery plan, providing she uses another supplier in the new house & also depending who's name the bill is in.

The male needs to keep paying the mortgage until his name can be taken off. If female defaults whilst still in his name, he is still legally responsible & the debt will be in his name, regardless of if he is living there.
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Obviously the household bills must be paid but it may be possible to save money by getting any credit cards or unsecured loans legally cancelled. I used www.bdebtfree.info and they were very helpful. Good luck.
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Move home. Deny everthing. Never ever admit responsibility. Then they can't touch you.

KK so heres the situation, im getting sent a check from a company b/c I sent them used video games, now when they send me the check it will have MY name on it but I dont have a bank account and am only 15, can my Mom cash it even if MY name is on the check but not HERS? Thank you
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I had this same dilemma when I was 15. Here's how I got my money.

I asked my mom to help me cash the check. I signed the back (if your name is on the front, it is correct for you to sign the back). My mom and I went together to the bank to cash the check.

The cashier asked my mom to also sign the back of the check because she was helping me (this may not still be true, but it might and is no big deal).

My mom had money in her own account to cover the check amount, so she was able to cash the check and give me the money.

We then went over to the bank manager and opened an account for me so I could save 10 percent of all my money. If you do this, you will be very happy to have a lot of cash in the future because you start saving now.

Good luck and good saving to you.

Shirley George Frazier
Author and Solo Business Expert
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You can open a bank account to cash it or keep it. All you need is for your mum to sign at the bank.

For your mum to cash it you would need to endorse it, that is sign it on the back, but as you are not legally an adult I don't think your signature would be valid..

I want to get a second job and want to know how much tax is deducted on 2nd jobs? Please help
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The level of tax relates to your income not the number of jobs that you have. I have two jobs.
From $0 to $6000 no tax
From $6001 to $34000 16.5% tax
From $34001 to $80000 31.5% tax
From $80001 to $180000 41.5% tax
Above $180000 46.5% tax

These tax rates include the 1.5% medicare levy.

I need to send a letter 50 miles away, what kind of stamp should i use? It's going from my town in Long Island to the Bronx.
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Your letter requires postage that adds up to 44 cents.

Here's the U.S. Postal Service chart to let you see how much postage costs according to the weight of letters.

Shirley George Frazier
Author and Solo Business Expert

I am a recent college graduate. It took me a while to complete my degree and I have had a significant number of part time employers in my complete job history. Do I need to list every employer that I have had over my entire job history or can I list just those in the last 5 years?
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Follow the directions on the application. Some applications only require the last three employers, some require up to 10 years of employers. Some state "all" some don't.

I know when people only put down what is "relevant" I think they are hiding something. I would much rather have all their non relevant jobs so I can see that they were at least working.

When the demand of gas/petrol goes up toward the summer the prices increase. (that makes sense) As more people fly, flight prices fluctuate. (some even charge extra for food)

But when fewer people are hand writing letters due to email, sending out checks in the mail to pay bills by banking on line, or sending out birthday/holiday cards using e-cards; Why does the price of stamps keep going up. Less people use stamps why make them more expensive?
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Profit maximization & demand elasticity.

Consider a restaurant:
Current price of a burger: $3
They sold 100 burgers each day for a year straight, at a profit of $2 per burger. Daily profit: $200

Then they notice for a month straight, they only sell 90 burgers. Daily profit: $180.

The owner does some research, and finds the following:
If she drops the price to $2/burger at a profit of $1/burger, they will sell 110/day. Daily profit: $110.

If she increases the price to $4/burger at a profit of $3/burger, they will only sell 70/day. Daily profit: $210.

Demand is decreasing because some people decide not to buy anymore at $3. But a loyal group of customers would buy even at $4. Even though demand is decreasing, the correct action is to raise rates (profit maximization).

One thing that many businesses struggle with is understanding how changes to their prices will impact the demand for their products (demand elasticity).

The USPS seems to have decided that, while fewer people are buying stamps, they are doing so for reasons other than price. Convenience, security, generational differences, etc. They figure that roughly the same number of people in the year ahead will buy stamps at $0.44 than would buy @ $0.43, so why not charge $0.44?

They'd likely charge more if they could, but they can only raise their prices a certain amount at a time (roughly speaking, with caveats: no more than the rate of inflation).
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The money from stamps helps to pay for the overhead expenses of the post office. The more money it can make on stamps, the less tax money it needs to pay for things like employees salaries, vehicle upkeep, and the cost of each actual post office. When everyone did their business by mail, personal and bills, the post office made lots of money from low cost stamps. Now that no one uses the mail, the post office is trying to stay in business by making the cost of the stamp met the cost of running the business. If they lowered the stamp back down, the people who don't use them now because of the internet probably still wouldn't switch back, so lowering the cost wouldn't bring back business. But raising the price for those people who don't do business on the internet will bring in some money. The government will end up closing even more branches of the post office. Some of the small towns where I live already have to get a PO Box because the town no longer has door to door delivery of the mail. Your pack of gum comment makes sense but a company like that can choose to go out of business or be creative about expanding business. What can the post office do? How can a business run by the government that no one wants to use but yet everyone sometimes needs stay in business? If a stamp only cost ten cents, would you put away your keyboard and get out a pen and paper and send a letter to a friend instead of an e-mail?
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Because the less people use them, the less money they make off stamps so they have to raise the price of them so they're not losing as much money as they would if they left the price the same.
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Like Jerry Seinfeild said about Tearing down his 20,000,000. $ house & putting another one in it's stead, "Because they can"........... Excellent question btw!! xxxxx

A lot of the centers in my area that do payday loans are suddenly closed. Why? Some lady my fiance works with said it was because they are illegal? Is that true?
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I heard a rumor that something passed that didn't allow them to charge the huge extra fee ($20 per $100 or so) So maybe they were losing cash.

I've bookmarked this site to go back to...

http://www.knowledged.info/go.php?link=l...

All the best to you.
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I remember reading something about it, and I believe they have made those companies start charging a lot lower interest rate, so since they can't charge 400% interest, they have decided to close. They were a horrible business the way they take advantage of people.
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I think that the prudent thing to do is to just save up a little money. About a dozen choices here: http://loan.dealsthisway.com Good luck.

A lot of the centers in my area that do payday loans are suddenly closed. Why? Some lady my fiance works with said it was because they are illegal? Is that true?
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I heard a rumor that something passed that didn't allow them to charge the huge extra fee ($20 per $100 or so) So maybe they were losing cash.

I've bookmarked this site to go back to...

http://www.knowledged.info/go.php?link=l...

All the best to you.
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I remember reading something about it, and I believe they have made those companies start charging a lot lower interest rate, so since they can't charge 400% interest, they have decided to close. They were a horrible business the way they take advantage of people.
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I think that the prudent thing to do is to just save up a little money. About a dozen choices here: http://loan.dealsthisway.com Good luck.