I'm a jeweler and one of my co-workers confided in me that she gets a manicure every Sunday. I was a little surprised that she was able to afford it (her husband works two jobs, so does she, and they are over their heads in debt). She just said plain and simply that she "writes them off as a business expense on [her] taxes".

Is that even legal??? I can paint my own nails, so I have no interest in doing it. But... if it's illegal, I don't want to get in trouble by association or something.
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For such an expense and for that matter any expense the taxpayer would be required to show that the expense was customary and necessary for the type of business the taxpayer is making the claim. If every jeweler in your city required that their female employees have manicured nails you may have a chance. It is unlikely that your friend will meet this standard if they are audited. However if they are never audited or hide the expense there is little that will occur to them. In either case you are not going to get into trouble for knowing that information unless you denied it to Federal Investigators if they asked you during an investigation.
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Depending on what she does for a living it could be legal, like she's a hand model, etc. But if her job does not relate directly to the appearance of her hands, then it is not legal. She's probably calling the expenses something else other than manicure on her return because you don't submit actual receipts when you file business expenses. The only way she can get caught is if she gets audited by the IRS. THEN they want to see your receipts.

Knowing she does it probably won't get you into any trouble and she still has to put out all that money for a year on manicures before she gets any of it back and she's not getting 100% of that money back anyway.
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So...in 3-6 years when they get audited and they try to defend the deduction of personal expenses...lose...and have EVERY deduction examined under a microscope...lose, owe tax, owe 20% extra for fraud, plus late fees and interest.....will you think she's so brilliant then?
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This isn't at all legal.
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NOPE.
Only if it was a requirement of her employer, and then it's still a stretch.

I placed in the whole thing, but it keeps saying please check if its correct. But it is correct. Yes, i did it without the dashes and spaces. So all 9 numbers were put in. so why is it keep saying its not the correct number
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Did you apply before? If you signed in before, it wont accept it again if you signed up once, for security purposes, I think there is a link that says "Check Status" and you can type in your SYEP ID there. Let me know what happens.
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I hate to tell you this, but today was the last day to sign up. You might already be too late.

Here's their phone number, if you want to call and plead your case:


If you have further questions about SYEP, contact NYC Youth Connect at (800) 246-4646
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Call customer service. They might have issues with online services. If they are not having issues I would call the SS office and ask them this question.

a Congratulations email for paying the full balance? I pay it in full every month, it's not like it's a milestone. It seems somewhat inappropriate, anyone else agree?
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Might be a scam hun ?? Don't give em any details just in case
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yeah . dey prolly tink u dont pay it all da time . dey feel dey need 2 motivate u so u will pay next months balance/
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Yeah, and they don't actually want you to pay the full balance, because they lose money if you do! Strange. :)
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ha...at least you get that..I still gotta pay mine..ha they keep calling me.

Like our credit report? Why do we have to pay to know something about ourselves?!?!?!?! It's soooo ridiculous! We should have every right and easy access to something like that. I hate this world!!!!!
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I totally agree. If it's your own information, there shouldn't be a price to see it! And why are there THREE credit bureaus? It's all a money game, and a way to screw people... What a world.
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~~You can obtain a free credit report once a year through www.annualcreditreport.com They only charge you if you want to see your credit score (I agree, this should be free). If you haven't received yours then go through this website, it gives you a chance to make sure there is no wrong info on your report.~~
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Credit report are compiled by agencies. They don't put all the information together for free.

and how should you answer it?
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just to see whether or not you are really serious about applying the job
If you are really serious then you would probably apply for a similar position elsewhere. some people will answer nowhere, but i think its too unrealistic to say that.

I will tell him/her the truth and explain that I need to live (in a polite way)

and that way they can see that i am mature and ready for this position

plus doing so will give you a competitive edge. meaning if they decide not to hire you, others will.

But then if you are really passionate about entering the company then you should tell them that other jobs are just backup plan. But then you must always explain why you love their company so much

a second job and got one easily, yet I pay tax dollars for welfare programs for those who "can't find a job." I only have a high school diploma ( i am a college student and 26 years old) and granted my job is only an 8 dollar an hour part-time job. Is it that these people are not trying hard enough and sucking away my hard earned money or is there another EXCUSE they can come up with? I'm tired of people complaining and not DOING anything about it.
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Until you have walked a mile in someones moccasins.

You know, there is a such thing as a healthy unemployment rate, and that is 4%. That means the chronically unemployed are unemployed. When it rises above that, it means that the talented people are unemployed.

I live in Oregon, we have the second highest unemployment in the nation. There are simply more people needing to work, then there are jobs. Last week I posted a job that pays 18-20 dollars an hour. And people that were making close to 6 figures a year were applying for it. We simply don't have enough jobs in this state.

So you should talk to some people who are truly talented, and have worked in a stable career for the past 20 years who suddenly find themselves unemployed. You'd probably change your tune.
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Many areas do not have the retail or commercial areas, so looking for a job means traveling an hour or more. Poor and without a car makes that difficult. Some people have never received any training in how to apply for a job nor do they even have the minimum of skills to do so.
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People receiving unemployment benefits will not take a job paying less that what they are making on unemployment. Would you give up $320 a week to make $160 a week?
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maybe at 8 dollars an hour it is hard to support yourself and kids and a wife don't judge so harshly you never know your future

I am currently banking at wells fargo.
I really hate them because they have so many random fees that I have to pay every month.
I was a member of the Disney bank Partners Federal Credit Union.
They kicked me out because I lost my job & owed them a ton of money.

Anyways, I need to find a new bank with no fees for my identity protection.
It would be real nice if I could get into a credit union.
So, please, let me know which bank you think is best because I want to go sign up tonight.

Thank you
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If you are in school you will probably be able to get a student checking account with no fees. All the big banks like Bank of America charge outrageous fees for everything so you would do better going to a small local bank or a credit union.
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Try Bank of America. They have so many new programs.
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If you have an Integra in your area, they are good. Free checking with interest and cashback debit card.

check with you local bank

what it comes down to is credit score, employment, collateral ,co signer

please be careful with these online loan company's wanting personal information about you most are scams
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All financial institutes and banks offer personal loans. The basic aim of a personal loan is to provide essential finance to fulfill all the demands of an individual at best terms and conditions. Personal loan is a multipurpose loan; it can be used for a number of purposes including home renovation expenses, purchase of a car or bike, wedding expenses, education expenses, holiday or to payoff all the current debts to improve credit score.

http://www.worldbestloans.com/personallo...

Borrowers with bad credit history, who find difficulty to get unsecured personal loans, can also apply for secured personal loans. Lenders provide secured personal loans with more flexible terms and condition when you have been rejected for unsecured personal loans.

I'm looking for legitimate websites to look at foreclosed houses listings. With the economy going the way it is, there are plenty, but I can't find a site that doesn't look like a scam.
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skip sites; call the banks directly!

if you are really ready to buy and
are qualified by a lender [skip the world
of flipping], then call a RE broker's
office and see a BUYER'S agent!
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Any real estate web site has them - the problem is most will not accept an offer without proof of funds. The banks owning these houses will not finance them. You need cash to get one.

is their a certain amount of money when someone should consider it. What kind of shape should you be in?
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If you can't pay bills anymore and your not making nearly enough money to come close to paying them off. Considering bankruptcy is an option, to look into. There are other options though, such as working with a debt consolidation group, or trying to sell off some of your personal items to pay off some of the debt. Or consider a second job if possible, or even ask your current boss for a raise, it would be better trying for that possibly that filing for bankruptcy.
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obvious- if your outgoing are larger than income you are storing problems
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Last resort. At least $25,000.

And can the real-estate agent buy one of the found homes for himself/herself?
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Maybe the process you are talking about is prospecting.
I set up some sort of systematic way of finding properties that the owners want to sell and talk those owners into listing them with me for sale- that would be what I call prospecting.

Yes the Real Estate agent or Broker can buy one of these homes themselves. I would imagine a trial court would decide that an agent can not buy a house for themselves and still pretend they are somehow representing the best interest of the owner- but with the proper disclosure the owner could still sell the house to the agent.

I had a listing where the elderly resident could not remember that her home was for sale and wondered how come people would show up. I met with the lady and her grown children and I agreed to buy the house at a slightly lower price and help the lady move on.
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When they look for a home for you they are a buyers agent. If they are selling a home for you, they are your listing agent. There's no real name for either process.

Yes, but laws vary from state to state. They can represent themselves in most cases,but have to disclose that they are a Realtor.

My Boyfriend sold a refrigerator too one of his friends son-in-law. My boyfriend allowed this man who is 26 years old and is a drug addict and alcohol abuser to take the refrigerator before paying for it. We told him that we wanted $200 for it and now he does not want to pay. We have tried calling and he won't answer the phone and I even did that *67 and I was able to get a hold of him the other day and he says that he doesn't have the money. I told him that if he can't afford the refrigerator then we want it back well he isn't bringing it back and he doesn't want to pay the $200 we asked for it. What should we do? I don't know if this is worth going to small claims court for. Any advice would be greatly appreciated.
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Sounds like you are going to learn a $200 lesson. Your boyfriend wasn't too bright to let someone who abuses alcohol and drugs to take an item before paying for it.

Unless you go to small claims, you are going to be out $200.
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chalk it up as a lesson learned: drug addicts cannot be relied on to keep their promises.

In the future, don't' sell something to someone if they aren't going to pay you when they take it.

The only hope you have is perhaps to appeal to this guys father in law (your boyfriends friend)...but before you do this, think very carefully if your boyfriend wants to risk his friendship with the friend over it. To me, risking a friendship for $200, not worth it.

Just move on with your lives and chalk it up to experience.
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the small claims court u gotta pay like $40 bucks i think... just wasting money and its a longer process.... just have a cop escort u to this guy's house and you'll see he'll give it up in no time... happened with me before too... lady took my pup and didnt want to pay, so i called the police and told them i was outside the house of the person who took my pup...when the cop showed up and knocked on her door, she got scared and returned it quickly! =]
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leave a message and simply say... "sir, we have asked you many times before, and if you do not pay us the $200 you owe us, or give us the fridge back, we will be forced to take more drastic measures" then if he doesn't respond, take him to court. It wasn't smart of you to give him the fridge in the first place tho...
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It isn't worth it for $200. You should have made him pay for it first. I'm not sure there is much you can do except to go there and make him pay or take back the fridge.
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Your boyfriend screwed up. Unless you have some kind of signed agreement where he agrees to pay, you are out of luck.
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check with ur state laws to see if it is legal to record a conversation without the other persons approval. Try to get him on the phone again and record him saying that he owes u also an email or text message will work as well. If all esle fails go to the police department and have them to escort u to the house to retrieve the fridge. dont forget to get a police report if they're not able to make him return the fridge. Now if u have no other options take him to small claims court. U have all the evidence u need to get ur money plus court cost

I'm 15 almost 16 (in the summer) and I'm thinking of maybe getting a job. Is it a good idea to start working at 16? When did you start? If you think it's a good idea where should I start... food place, mall, library, etc?
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I was 14. I worked at like a corner store type of thing. Loved it. The mall sounds fun, a library would probably be boring. A grocery store or restaurant may be good options?
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14 worked on a tobacco farm (stoop labor)

--Lasted three days
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I worked at a burger fact ory.
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I started at 17 at Ice cream shop in high school

Are you supposed to get the interest from the security deposit also?? and if so, how much would I get back today on a $600 security deposit where the interest was 2% and I moved in 8 years ago?
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It might be a local thing, but here, most deposit money is held in escrow so there is no interest. For the answer to your specific question, check your lease.

I've never gotten back any interest in any city or state where I've lived. Usually, you're lucky to get anything back at all.
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It depends on state law. No bank account is paying 2%. The landlord gives you what the bank provides minus an administration fee, where 1% is customary.
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In our city only in apt complexes over 6 units is any interest due.

2% might be high, the laws state that a money market account minus administration fees is required.
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It depends on state law.

If interest was 2 percent then your $600 would have earned about $12 per year. (Plus a little more, of course, due to compounding).
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Nope, you don't earn any interest on your security deposit.
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all depends on which state your in....most landlords that own over 6 apartments has to pay the going interest rate..if not you get back what you paid...

Im about to qualify as a nurse and would like to work in a nursing home. I have chosen a nursing home because whilst training on the wards ive noticed qualified nurses don't get the chance to spend much time with their patients doing the basic care such as washing, feeding and spending time just talking to them. This is what i have enjoyed most out of nursing and i feel working in a nursing home will give me more oppotunity to do these things.

Can anyone tell me what it is like working in a nursing home as a qualified nurse? My friends are trying to put me off saying its less money and not as skill full. It does not bother me that i would be seeing the same patients all the time and doing the same thing everyday, i just want to care for my patients.
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Your primary job as an Nurse in a nursing home will be medication rounds, dressings, writing up care plans, liaising with other health professionals. You will not be showering or feeding. Your chance to talk with residents is when your dispensing meds or doing their dressings. Yes it is less money and understaffing is common.
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You may not get all the experience out of a nursing home that one would get in a hospital but it is very rewarding. If you feel like this is where you are suppose to work then go with it. If "quality as a nurse" means RN or LPN then you will not be doing the job duties are different from the nurse's aides. You are assessing the residents everyday for changes and administering there medications while watching for adverse effects etc. Which is all important and is part of caring for your patients. Good luck!
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From what i have heard from other CNA's and LPN's working in a nursing home is not great at all. I have heard them say that the work is very difficult and they don't get much help from the other cna's.

Capital costs are costs for typically physical things that are needed to run the business. For example, a factory or a machine. Thus, capital costs are typically investments.

Operating costs are the costs to operate the business for things like supplies and wages.

For example, if you were to open a popcorn stand, capital costs would include the stand, the popcorn maker and the cash register. Operating costs would include the popcorn kernels, paper for the cash register, and electricity.

I can't drive yet, but I am very hard working. I sing and can baby-sit, but my parents are strict so I can't work at Burger King or anyplace like that (because of drive through windows "violence" lol). What would be a good summer job? Thanks!!! :) ?
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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.
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Start up a lawnmowing or housecleaning biz if you want!!!

Don't like the idea of starting a business? How about tutoring kids you know are going through summer school? Doesn't have to be school, you could teach them anything.

You could try getting a job at most places like the mall, the public library, pizza parlors, grocery stores... I'm trying to think of more, but that's about it.

Look for internships!!!

Good luck!!!
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try getting a job at ur local grocery store.

I would buy a foreclosed home in a nice area between $100,000 and $300,000. I would buy a Mitsubishi Lancer and a Ford Mustang. I also would go on vacation to Hawaii for a month. Then take the rest of the money and invest in stocks, certificate of deposits and put the rest into a high yield checking account.
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Assuming it was after taxes, otherwise a big chunk will disappear before I get the check, or very shortly afterwards, as the IRS will want theirs. Then too it could be an inheritance, the estate tax deduction, but the only one that might apply to would be if my wife had been hiding a fortune all this time. Just the same, I would rather have her than the money.

I feel that some things have purpose to them, but then most people really do anyway. It amazes me about how atheists and agnostics will say that we are all an evolutionary accident, but as soon as a storm blows away their home or death takes a loved one they mutter "why this?" If someone were to hand me a million, my first two reactions would be "are you kidding?" and "is this legal?" (not wanting to be holding the bag of ill-gotten gain just before the cops close in). Assuming the legitimacy, then my having this largesse would mean a higher purpose graciously handed to me beyond the reasons (gag or good) of the gifter. I would make a substantial share in donations to causes I feel need the extra help, and there are many.

A quarter million would be nice to pay off the mortgage and credit card and long-lingering student loan and start a renovation of my house (new paint, new carpet, new airconditioning, and refinishing some cherished old stuff we inherited) and yard (getting rid of that crab apple tree and replace those two bradford pears with something more substantial).

The balance would be split between safe investments and speculative matters that are looking good right now (oil is rising again and with impending inflation there are currencies and gold to watch).

Thanks for the pipe dream moment.
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That would be pretty close to my plan. I'd consider a foreclosure home, but I'd probably be looking for one that was not in foreclosure--the ten grand you save will be spent instantly in doing the maintenance the previous owners were too broke to take care of. I'd pay off the car I have now and consider a second one--but there is no way I'd have two sedans. The other car should have another purpose--to use for camping or outdoorsy stuff, to haul a boat (guess I have to buy that too--I'll go with a used one there), or to move stuff if I'm working on the house--so a pickup, SUV, van, or Winnebago would be the second car. I'll use the sedan when I'm more worried about fuel efficiency or a comfortable drive.

I'd make sure I have enough funds in cash or nearly cash bonds or CDs to make sure I could pay twenty years of property tax. I'd have other investments to try to earn enough money in a year to cover other expenses and eventually to build up another twenty year nest egg. Some of those would be higher risk. I'd keep my job until I had built up enough that I could be secure in retiring early--I wouldn't want to stop working and then try to find work again in five years when the money dried up.
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I think I need to gain knowledge first. You can refer this source. And my choice is 10th. Education is first.
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Depends on person to person. If I have liability, of course will pay out that first. Then will go for investing and charity (charity+investing is the best combination ever found in the world.
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consistent dividend from 2% to 15% monthly is all you want
The reliable and safe investment is myfxfunds (My FX Capital)
search for myfxfunds in yahoo search engine for more information.
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pay college loan, buy a car, invest, give some to my parents and save

Does it work (rises/falls) 24hours
or
it closes as the NewYork Market Closes?
...............................................................................
Futures opens at 5 pm Sunday evening and remains open till 5 pm Friday. The volume is significantly lower during the Asian and European hours though. New York hours opens at 8 am.

We found a house listed for $119,000. When our realtor showed us the house there wasnt even a for sale sign up because the contract had ran out with the sellers realtor. They are not living in the house, it has been for sale 8-9 months.

We contacted the seller and they agreed to a short sale, since the house will be going into foreclosure anyway. We offered $70,000. Seller owes $110,000. Bank of America has the note. My dilemma is, if we try for the short sale, did we offer enough for the lender to consider taking, or should we let it go into foreclosure and try to buy it at auction?
...............................................................................
You have an agent -- put them to good use! Seriously, he/she's better equipped than anybody here to tell you how much the house is worth, what you ought to offer, how likely the bank is to accept your offer, what comps are selling for.

That said, IF the house is in decent shape (structurally sound, and all systems are in place), 70K's probably too low. It's upwards of 40% less than what the seller's asking, and 36% less than what the bank is owed. Buyers can get real deals in this market, but there's a fine line between a deal and a botched attempt at highway robbery. And if you're eligible for the first time home buyer tax credit, it's probably a botched attempted at highway robbery carried out with a rubber chicken and a spork instead of a gun.

If I were you, and this was a house I *really* wanted, I'd forget about trying to pick it up at auction, and get information about what comparable properties had sold for in the last two months, then depending on the information, maybe submit a higher bid.

In a place heavily hit by the mortgage meltdown and foreclosures crisis (NV, CA, FL), or plagued by urban decay you'd have better luck lowballing the bank or snapping it up on the courthouse steps, but SC's made it through relatively unscathed. If it goes to auction and the highest bid is insufficient, the bank will take it back, and re-list it in hopes of obtaining something close to what they're owed, or fair market value.

ETA: Deleted my last edit due to the fact that it needs work. You need to look at comps. They probably accounted for the fact that it needs work in the listing price (I thought $120K was nuts, even with the different cost of living).

Regardless of the shape, the bank's probably going to want something close to what it's owed. If your agent suggested 70K, you might be good, but I'd probably shoot for no less than 85 or 90.
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It has nothing to do with what the seller is asking for. The bank will send their appraiser and you can get away with 20-30% below what the appraiser reports back to the bank. As it is, it looks like the property is priced way to low. Get with a real estate agent for help. read my blog as well. Report Abuse

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Unfortunately on a short sale, you're at the banks mercy. You can sit on it for 1 week or 6 months. That amount is generally too low, especially since the feds just released the 4.4 billion in MHDC money to help in foreclosure status. I would of maybe offered $95,000. Your realtor should have told you not to offer to low. I tell my clients, if you want the house, you need to act like it.
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I am a CA Broker specializing in helping people buy and sell short sales. Generally speaking, you can get away with 20-30% below the lowest comp for that price range. Using zillow.com to get the comps of that area (very crude method), it looks like it is already listed way too low as the smaller homes on smaller lots are selling in the mid to high 100's. See if you can use 201 Berry Road as a comp.

Use a real estate agent that is very experienced in short sales as they get paid by the lender anyway to help you with this purchase.

I also wrote a blog on how to purchase short sales:
http://activerain.com/blogsview/1079781/...

I live in NY & have just completed a Dental Hygiene program. I am very knowledgeable about the dental field & graduated @ the top of my class. I do not have any assiting experience but I am trained to take x-rays, impressions, make bleaching trays/mouthguards etc. I found a dental office that is looking for a dental assistant for the summer (theirs is out for maternity leave) which is great because I will not receive my license until the fall. The interview went well & the doctor said he would call me next week to discuss pay. The job is also about an hour away from my home. What should I ask for for hourly wage regarding the assistant position? Any ideas?

I am not looking to get extra because of my hygiene background.. I am just wondering what is appropriate and fair to ask for?
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I don't know about in NY but in washington my girlfriend is a dental assistant and she makes around 10 to 12 dollars an hour.
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Look for an agency that places these types of jobs and ask them. Or look at want ads.
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http://www.bls.gov/oes/current/oes319091...

Im 16, currently taking my GCSE's.
I live in the UK.
Im 5'6, 8 stone, clean, friendly and want to become an Air Hostess.
Anyone know where I can get useful information from?
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from looking at Your avatar I would say you are qualified

Working for an insurance agent have to do a 1099
...............................................................................
First of all you are only taxed on the net not the gross. Therefore you should estimate both your income and expenses. Once you have some idea of your net you can count on 15.3% of that as SS and Medicare. Next you can deduct your standard deductions and exemptions from the net. That will give you your taxable income for the Federal income tax. On that income your will be taxed at something between 10 and 25% depending on the amount you make. As for the state and local it would depend on where you live and earn this income. A safe bet is 5% of the net. All of this assumes that you have no other income. If you do add that to the net before calculating the income tax for both Federal and state. It would not be included in the calculation for the SE Tax.
...............................................................................
It depends on your income, your state and your city. See a tax professional in YOUR area.

Helen, EA in PA

It is so high, I'm barely making it. What banks or credit unions do you recommend to refinance a vehicle loan thru?
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0.0%

I drive used cars I can actually afford. I save several thousand dollars per year on each of my 2 vehicles compared to interest and depreciation on a newer vehicle. It more than makes up for the occasional repair costs.
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A good rate on a used car is around 7 to 8%. If you have bad credit, you could be paying as high as 22%. Make darn sure you make your payments on time for at least 6 months, then look for a "bridge" company that offers better rates (15% or so) for poor credit. Pay that for 6 months to a year, then look at a local bank and talk to them, see if they will write a loan for you. Don't apply randomly for loans, talk to them first to see if you have a real chance of being approved. Bank officers do have some leeway, and if they like you and you show a responsible payment pattern, they can approve an otherwise rejected application. Remember, they make money by selling loans, so they want to loan you money; you just have to convince them that you will pay it back on time. Good luck.
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There isn't going to be one best place to go to. Each lending institution is different, and they will interact with every customer differently. Best thing to do will be to visit local credit unions (they change dependent on where you are located) and contact some larger lenders and brokers. There should never be a fee to apply, so no harm in asking.

Try: RoadLoans, RateGenius, UmbrellaAuto
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I don't pay any interest because I paid cash. If the payment is that high, have you considered selling the car and buying something cheaper? Or selling it and car sharing like with ZipCars?
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0%. Buy used with cash. You do not need to worry about an interest rate if you don't owe any money on the car. Gee, what a thought eh?
Use cash anyd you will be much happier in the long run.

Oral Contracts - 4 years
Written Contracts - 5 years
Promissory Contracts - 5 years
Open End Contracts - 4 years

The statute actually applies to the amount of time that the creditor can take legal action against you, meaning take you to court and sue.

They can continue to call you because the debt is owed forever, but you can send them a Cease and Desist Letter certified mail/return receipt.
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There is NO statute of limitations in any state regarding a creditor calling to collect on a debt, they can call forever!

There is only a statute of limitations on how much time a creditor has to seek legal action in court to collect. Each state has there own time limits.

NOW you can stop them from calling by sending a cease and desist order via usps certified mail/return receipt as outlined under the FDCPA (this only applies to third party collections agencies or any one hired by the original creditor).

You can read about this section of the FDCPA at the link I have posted in the source area. Look up § 805. Communication in connection with debt collection: (c) CEASING COMMUNICATION

If you know the debt is "time barred" or also known as 'beyond statute of limitations" then you can download a sample letter at the following web site for free. You can then send one to the collection agency
http://www.debt-n-credit-letters.com/Deb...

Hope this helps answer your question.
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Dixie is correct but to add just because a debt is at statute of limitation doesn't mean it not collectible it Just means they cant sue you it will still affect your credit and might cause you to have higher interest rates on things such as purchasing car or any thing on credit obtaining credit cards. the other thing is if you want to purchases a house you will have to still pay the account off if trying to refinance the same will need to be done. I am a debt collector I deal with this each day. Best of luck
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Here is something exciting.
Pay your bills then you will not have to worry about creditors pestering you.
BTW even if the the debt they can still call you, as I would. You will have to send a certified letter stating them to stop calling you.

They will call relatives and neighbors. It can be a thing about your reputation aswell.

I have around ￡23K saved up and earn a salary of ￡15K. There is a good chance I will be forced to leave my parents house soon and was wondering what I should do. I'm still single so will probably be moving out on my own. I'm not looking to rent as it would be money wasted. I have come from a very humble background so will live anywhere. Thanks
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A salary of ￡15k means you can probably get a mortgage for ￡45k at the moment ... and you have ￡23k saved but you need to set some aside for legal costs, furniture, etc, so realistically a deposit of ￡20k.

So you're looking at ￡65k in total. Well, it very much depends on where you live. That amount may buy you a small terraced property if you were in Wales or rural parts of Scotland, which are the cheapest areas of the UK. I don't believe that there is anywhere in England that you'd get a property for that value.

You could look into shared ownership properties through Housing Associations, where you buy a share of the property and then pay rent on the remaining half. However, the problem is that most HAs, when determining eligibility, only look at your income and not at your savings (since the scheme was initially designed for people who were unable to save a deposit). I know in London, you would have very little chance of getting even a one-bed flat on an income of under ￡22k. Obviously the requirement would be lower in other parts of the country, but I'm still not sure that ￡15k would enable you to qualify anywhere.

The problem you face is, you have a good deposit saved up but you only earn a low income. If you're young and therefore in an entry-level job meaning that it's likely that your income will increase in the near future, you are best to rent for now until you can get yourself an income of at least more than ￡20k, at which time you could look at purchasing something.
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Your salary is probably too low to secure a mortgage in most areas of the UK. There are bargains to be had in the north of the country and you could try looking on www.rightmove.co.uk and pricing houses up.

Another alternative would be invest your savings and secure yourself a good return. My company invests in property in the US and resells it after completing repairs. Perhaps this is an option for you but it will depend on how quickly you want to move.
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You can move to my area-- homes in Detroit are going for as little as $1000 US..

that said they typically need a lot of work . and work is hard to come by here.. s
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Talk to your local housing association to see if you qualify for a shared ownership flat. Explain your full circumstances and why you are being forced to leave your parents house - if it is because of a marriage breakdown for instance this can help. As always what you will be able to get for your money will depend on where you live. Outside London you will get more for you money and outside the London commuter belt more again with the northand Wales being cheapest.

With ￡ 23k you could buy a 30 % share in a property with a full market value of ￡ 76,600. Or on ￡ 15k a year you could top that up with a mortgage of ￡ 45,000 (3 x salary) and buy a property with a full market value of ￡ 121,600 or anything in between - you will probably feel more comforatable with a smaller mortgage.

With a shared ownership property you buy a share from 30 % upwards in the property with a lease, typically 99 years with a provision to extend, and in effect become an owner occupier with a high level of security of tenure because the owner of the balance is a housing association which is a charitable body set up to promote low cost home ownership and are likely to be more understanding of arrears than a building society. The lease gives you security of tenure for its full term.

As an owner occupier you can make alterations and improvements within reason with the approval of the housing association - something you cannot do with a rental property.

Also as an owner occupier you bear full responsibility for maintenance and repair but it is under your direct control and if you choose not to do it within reason it is unlikely anyone will complain. You can also do it yourself or get it done cheaply (think of all those Polish builders). Ultimatly obviously there will be maintenance clauses in the lease which are enforceable. You will also have to pay a service charge for maintenance of common parts, buildings insurance etc but this is likely to be considerably lower than for a privately owned flat.

Since you own the 30 % you can also sell it in future and therefore benefit from the long term trend of house prices to increase. This may seem like a sick joke at the moment but over the longer term house prices in the UK, and particularly London, have increased strongly probably doubling in the last 15 years. This is due to the pressure of a rising population with a high level of immigration into the UK from Eastern Europe and elsewhere and a rising trend in divorce etc hitting up against a virtually fixed supply of housing.

The key point on cost is that the rental you pay on the 30 % you do not buy is at a heavily subsidised level of around 2.75 % compared to likely mortgage costs of at least 6 % once interest rates recover to more normal levels. The rental does increase as you say at a rate linked to the retail price index. Generally there is a discounted rent for the first 2 years which is at only around 1 % or less.

The other advantage is flexibility - you should be able to afford a property with a higher market value now by buying a shared ownership property at 30 % and then buy the rest in future when you can afford it. But you can just stick at 30 % and have a cheaper property in the long run until your death or 99 tears whichever comes first! Seriously though there will be provisions in the lease to extend its term which it would make sense to do once it gets down to around 70 to 80 years.

I have ordered some cuff links and it mentioned goldtone.
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it probably is real gold. B ut it is the thinnest type of real gold. There are various ways that jewellerey is made with gold. In descendin order of value (of the gold content) it would be solid pure gold (24kt) This would be too soft for jewellery. Then solid 22kt gold which is alloyed or mixed with something like copper, then 18kt and 9kt. Then you would get rolled gold, which is a thin layer of gold rolled onto a cheap base metal and then electro-plated gold layer (even thinner) then, I suppose Goldtone. It is difficult to say exactly what it is. It may be a trade name or just a common name for something that has a gold sheen or tint. Whatever it is it is of very little value and probably will wear off with time. All gold colour contains some "real" gold, even gold paint or gold ink. If you buy gold paint you will find it is a lot more expensive than say red paint!
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Gold paint or tinting done to the metal. NOT real gold.

http://www.bartleby.com/59/4/trumpcard.h...

http://www.thefreedictionary.com/trump+c...

We are two payments behind on our house. We had to rent an apartment because my husband will be unemployed soon.We had put the house for sale last year, no offers. We tried to refinance but our house was appraised 22,000 less than what the finance company appraised it for 2.5 years ago. The finance company would not lower our rate, to what we could afford. We had to move before unemployment happens. I now cannot afford my car which is financed through same company. What will happen when they foreclose? We live paycheck to paycheck. Have no assets. Can we file bankruptcy?
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You can call a lawyer and see if they can negotiate on your behalf before the mortgage company forecloses.Lawyers have more power negotiating than you do.

Banks generally want to see you in the house vs. having a house they cant get rid of. I would definitely suggest you talking to a bankruptsy attorney. Bankruptsy, if you havent filed within 7 years before, is definitely made for people in your situation. You can even negotiate to keep certain items, like the car, if you can afford to pay for it after you loose the house. It will go against your credit, but it will take a lot of burden off of you all.

Or, you can try renting out your house... that might solve things for a while?

Good luck... my prayers are with you.
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My recommendation would be simple move back in because it will take like 6-9 months if not more for the bank to make you move. I would move in not pay any rent save some money for when your unemployed and that way when you get booted out from your home you at least have some money saved up to rent.
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you lose your home and have to move out. .as far as bankruptcy is concerned call a Lawyer and ask them.you don't need a special Lawyer to do this any Lawyer can file bankruptcy for you.
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I don't know what they do when they foreclose, but I'm pretty sure you ain't gonna like it.

I have a credit card and they have sent it to collections bc i am over my limit (by $4) bc of they raised my fianace interest rate from about 9% to 27% in one month. So If I dont pay, let it sit in collections what can they do? I live in OH I dont know what the law is for garnishment? Can they make me go to court? I know it will go on my credit report but im not worried about that at this point.
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They send the men in the black SUVs, black sunglasses and business suits over to your house with lead pipes. They will come and beat that $4 out of you. One bone broken per dollar.

Actually, they probably won't.
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Awfully cavalier about screwing up your credit. If it's only $4, why not pay it? And if the terms of the card are such as sticking point, close it.

They'll report your default and try to claim that money. Once that proves unsuccessful, they'll sell the debt to a collection agency who will proceed to hound you. They will try a lot harder than the orignal creditor to recoup that money.

Aside from all that, you'll get a derogatory mark on your credit and pay higher interest on other credit cards, loans, and mortgage. That's if you don't get declined in the first place. This negative will last at least 7 years.
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Lenders do not send credit card accounts to collections because you are "$4 over your limit." They send them because you defaulted on your payments.
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Don't let it go to collections!!

The best thing you can do is pay it off and close the account.

https://www.lendingclub.com//invite/resp...
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They can sue you. You will probably not be physically dragged to court, but if you are sued and do not get to court, then you will lose the lawsuit by default.

I just started working as an afternoon teacher at a nearby daycare four days ago, but I'm already having second thoughts.

I've been given a 2yr-old class and it's okay, except that I'm totally uncomfortable with changing their nappies (diapers). The sight & smell makes me want to gag every time, and I don't think I can keep it up for the rest of the summer. I had never changed nappies before this job, and I honestly thought I'd adjust to the whole concept because when I see other college students changing them, they're happy and smiling and having regular conversations, etc... But it's been 3 days and I know this is something I won't adjust to.

So, I'm thinking about talking to my supervisor and asking her if I can possibly get an older class or resign from the job altogether. My ultimate question is how do I phrase this to her without sounding petty/wussy/unaccommodating/stupid? I'm really embarrassed to bring this up in conversation and have no idea how I'm going to start. Bear in mind that I've only had the job for 4 days (today's my fourth day, I want to speak with her about it today). Keeping the job and just dealing with it is not really an option, I'm hating every weekday because of this:(

Thanks for your help, and I'm sorry if I sound like an uncooperative pain in the butt to some people...
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Hey, tell her the same way you just told me. I think it's more than fair. You tried, but it's just not for you. When dealing with children it's very important that the right kind of person has the job. And it doesn't mean you're a bad person if its just not what you are cut out for. It's better to be honest than to hold on to anger, disgust, and resentment. It's not like you work in a factory, you work with children who can be sensitive to your feelings. It's not only your own needs that you have to worry about, but theirs.

If your supervisor won't put you in an older class and you have to resign, it won't be the worst thing in the world. At least you'll have had some experience in something you didn't like to do with the opportunity to leave and not be fired. That's a lot more than many people can say. Just be honest, good luck.
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Just tell her that you've never changed diapers before and you don't think it's something that you can continue to do. She probably won't understand because I bet it doesn't bother her but she should be sympathetic and willing to move you, provided you're a good employee.

I like working around/ with people. I like to make them feel better, and I like to try and help them out and figure out whats wrong. I also am very interested in makeup, hair, and nails. Also am interested in interior design... I can just look at a room and "see" a design in my head, I would love to help people bring their ideas to life. I also wouldn't mind a desk job... I'm 20 (almost) and am just trying to figure out the best career path for me. I have 2 kids, a 2 year old and a 4 month old. I could try to go to school, and I know for the first 3 jobs, I would have to. I was just wondering if you guys could tell which job would fit me best, or if you know of an online quiz that could help me figure it out... How did you know what you wanted to do? Thanks a million!
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I was struggling with the same question a few years back and ended up taking a bunch of free career personality tests online. After you answer the questions and take a few of the tests you will find out what career best suits your personality. Amazing how accurate it is.

i saw an ad in a newspaper about cleaning kennels at a small animal clinic. i applied there yesterday and i really want the job! it's a big thing for me because i love animals and im committed to getting a job working around them. how can i make sure i get the job?
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call them... put forth the effort to show them that you are interested and ask them question to see how if they have started looking at the applications yet, who knows maybe they will look at your right away. then once you get an interview, send them a thank email.
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I can serve as a reference for cleaning my LAIR even though you have not. Seriously, just be confident and let them know how dedicated you are. Loving animals is a great thing to mention, however, do not oversell yourself or seem too eager. You might include other ways you can help out if you have other skills in that area. If your schooling revolves around animal care bring that up. Good luck and I hope you get it.!

DRAGON 2012
"Great fortune for U.S."

I'm am making a movie about politics for my government class. In the movie I use various video clips from YouTube. How would you properly cite this?

I just have this written in the credits:
All video clips provided and owed by
YouTube.com
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I'd say at least you should give the actual URL of the video you're using.

And *does* YouTube actually own the videos they show? I don't think they do. I think the original owner still retains the copyright. You probably should give credit to them, too, by citing their screen name.

(The best way to do this, however, would be to ask your professor how you should cite the videos. You never go wrong by doing it the way the teacher asks you to!)

I can't get a student loan at this time. Desperate times call for desperate measures. I need to use a credit card loan. I don't care if it's going to ruin my credit. I can't get credit anyways. It's my last resort.
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If you can't get a student loan, why do you think you could get a credit card? If you can't get credit, you won't get a credit card. Even if you do, it will only be one with a very low limit - no where near enough to pay for tuition never mind a dorm.

You need to talk to the financial aid office at your university & see what's available. That's what they are there for.

Good luck.
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Student loans are meant to help students who are unable to bear their educational expenses. Student loans are different in different countries in the way they are devised, but then the common types of student loans available are the undergraduate loans, college student loans, private student loans and federal family educational loans.

http://www.worldbestloans.com/student-lo...

Student loan repayments are not made until the student completes his graduation. This facility helps him to concentrate on his studies and earn some little amount of money while he is studying, but repayment has to start once he finishes his education.

I'm still on my quest to ask a Q in every category.
lol,at this rate it will probably take me about 2 years to finish.
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The best insurance companies are the ones that pay claims when they are supposed to.

The A.M. Best Company, an independent rater of insurance companies, assigns a grade to the financial strengths and claims-paying abilities to insurance companies.

A.M. Best's top rates are A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent). The next ratings are B++ (Good), B+ (Good), and they go farther south from there. The A.M. Best Company has been in business since 1899.

So, to answer your question, the best insurance companies will have the highest ratings. Otherwise, steer clear.
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Car Insurance
I had Erie Insurance for years and they were awesome. Moved to Florida last fall and they don't service this area so now I'm with State Farm. They've been okay so far.

Life Insurance
MetLife is a good one. They also have investment plans as well.

I want a good online job that dont scam you and that pays well, plus something that dont send home tons of junk mail and that sends your bills in something your parents wont be suspicious about.. im almost sixteen and need a job!! :(
-thanks for your help
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I make some extra money taking surveys.
I found a site that doesn't try to charge you anything
or ask for a credit card. I have posted pictures of the payments I received, as proof.

http://thebestfreepaidsurveys.blogspot.c...

I have been leasing a home for nearly five years. The owners have just provided me with a written 30-40 day notice of having to vacate the property because they have decided to sell. Initially entering into the lease agreement, the lease term was for one year. After the lease term expired, I wasn't provided with a new lease agreement until after I had been in the property an additional year, and then receiving another ONE year term lease agreement the following. Although I have asked for a renewed ONE year term lease agreement several times, I had never received another since, but I have still been leasing the property until this day. Trying to work out some arrangements to ful-fill the rest of my lease term, I had been told that once a lease expires, I am automatically placed into a month to month status as long as I'm paying rent. So unbeknowing to me, I have been in a month to month rental for the last almost three years. So if there was never any verbal acknowledgment of the month to month leasing status, and no documentation to dictate such, am I obligated to adhere to the guidelines from the last provided lease, or does this all of sudden month to month rental null and voids any previous rental agreements??
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That is all standard. When a lease expires it automatically goes to a month to month agreement with all the same terms and conditions of the original lease. No acknowledgment of this is required. They can legally give you 30 days notice for no reason. There is not really anything you can do to fight this.

Not fair, but legal.
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Month to month simple renews your lease on a month to month basis.You are under the same terms as the original lease.
You cannot stop the owners from selling the property.You are making a problem where none actually exsist.
They gave you ample notice to move out.
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Month-to-month doesnt void any of the agreements in your lease other than the term. Since you are on a month-to-month, all he has to give you is 30 day notice to move, and vise versa.

Unfortunetly, it is his house, and he can ask you to leave if he wants.
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Unfortunately you do not have a signed lease, so you are considered month-to-month and your LL has every right to give you 30 days notice.

That really stinks, but it is the law.
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Most leases state that they renew their terms on a monthly basis after they expire, so long as a new lease is not signed.

Even if they don't explicitly say that, a lot of states will consider it there, unless the landlord has implicitly allowed changes to the terms; for example, the lease does not renew itself, and it says "NO CATS". A day after it expires, you get a cat. The landlord knows this, and does nothing to enforce it for several months. At that point, the landlord would have to re-establish the NO CATS clause by posting a 30 day notice on your door saying that cats are now explicitly not allowed.

Overall, I'd say you should abide by the terms in the old lease while you look for a new place. No sense in upsetting a landlord right before they are supposed to return your deposit.

I am beginning to work as project manager in a small firm. It is so small that I "manage" everyone except the very main director, I give them tasks and terms, I monitor their progress and encourage and fine them in accordance with their successes.

This all is fine, but it seems that my style of communication is going to cause problems. You see, I almost always seem to be cheerful and playful and carefree. I smile and I joke, that's just how I talk.

So the question is: will this style of mine make my guys think that I'm really not serious, and my rules are not to be followed, and my words are not to be taken seriously?

If so, what do you think would be better and why: to wait a little until they realize that behind my smile I'm always quite serious, or to make up 2 regimes of communication - "working" and "not working", or to be always serious and severe? This last case has its drawbacks - I don't want to end up being everyone's enemy (literally everyone!), because people never work well when they work for enemy, and I do want them to work well.

Please don't tell me that I should decide it myself - I certainly will; I just want to hear what you can recommend :)
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I think it is a great style. I wish you were my boss. I would evaluate their personalities. If they are serious and cut throat, by all means be business. If not and they joke, I would joke. You can have a balance and happy medium.
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I don't see why you cannot be friendly and professional at the same time. To make sure that there is no misunderstanding, when you hand out assignment don't joke around. You can be serious without being mean.

I want to know if the computer company Dell, Inc was once a penny share just as Microsoft and Apple were once?
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No. Dell's Initial Public Offering in 1988 was at $8.50 a share. (Then again, after adjusting for splits, that's about nine cents.)

I currently opened an ING (orange savings account). Im just trying to make my money grow/ work for me. I have no experience in savings CD, stock all that. But I've heard that savings accounts are pretty safe, and its good when they have interest like ING. Has anyone had experience with them? Was this a smart move for me? I plan on adding money once I get some assurance that this was a good move. They have a 1.50% APY.
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I have ing for 7 years with no problems I also like there checking account and use there free bill pay to pay most of my bills.
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no. money will lose its value. so it will be better for you to have some exposure of stocks. ING has sharebuilder which is great for beginners who are interested in investing in stocks.
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If you're trying to save money, yes.

HSBC offers a bit higher yield.

https://www.hsbcdirect.com/1/2/1/?code=P...

I know its business, but would it be business with something else??
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operations management would be a good "something else"

The following information is available to reconcile Clark Company’s book balance of cash with its?
The following information is available to reconcile Clark Company’s book balance of cash with its bank statement cash balance as of July 31, 2005:
a. After all posting is complete on July 31, the company’s Cash account has a $26,193 debit balance, but its July bank statement shows a $28,020 cash balance.
b. Check No. 3031 for $1,380 and Check No. 3040 for $552 were outstanding on the June 30 bank reconciliation. Check No. 3040 is listed with the July canceled checks, but Check No. 3031 is not. Also, Check No. 3065 for $336 and Check No. 3069 for $2,148, both written in July, are not among the canceled checks on the July 31 statement.
c. In comparing the canceled checks on the bank statement with the entries in the accounting records, it is found that Check No. 3056 for July rent was correctly written and drawn for $1,250 but was erroneously entered in the accounting records as $1,230.
d. A credit memorandum enclosed with the July bank statement indicates the bank collected $9,000 cash on a noninterest-bearing note for Clark, deducted a $45 collection fee, and credited the remainder to its account. Clark had not recorded this event before receiving the statement.
e. A debit memorandum for $805 lists a $795 NSF check plus a $10 NSF charge. The check had been received from a customer, Jim Shaw. Clark has not yet recorded this check as NSF.
f. Enclosed with the July statement is a $15 debit memorandum for bank services. It has not yet been recorded because no previous notification had been received.
g. Clark’s July 31 daily cash receipts of $10,152 were placed in the bank’s night depository on that date, but do not appear on the July 31 bank statement.
Required
1. Prepare the bank reconciliation for this company as of July 31, 2005.
2. Prepare the journal entries necessary to bring the company’s book balance of cash into conformity with the reconciled cash balance as of July 31, 2005.
Analysis Component
3. Assume that the July 31, 2005, bank reconciliation for this company is prepared and some items are treated incorrectly. For each of the following errors, explain the effect of the error on (i) the adjusted bank statement cash balance and (ii) the adjusted cash account book balance.
a. The company’s unadjusted cash account balance of $26,193 is listed on the reconciliation as
$26,139.
b. The bank’s collection of the $9,000 note less the $45 collection fee is added to the bank statement cash balance on the reconciliation.
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I've sent you something which I hope was useful to you.
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Are you serious? I charge my clients $50 an hour to do this. You think I'm going to come on here and do it for free for FUN? You can do it yourself. Just take it one line at a time.

what is the sale potential on land if owner owes 6 months back taxes and has lien applied by local goverment???
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If the owner of the land does not pay the property tax for 2 years, a stranger is allowed to pay the entire amount of the back taxes. It is not a gift to the owner.
If the owner does not pay up for 3 more years, the person who paid the taxes can go to court and get the deed to the land. All mortgages are wiped out. That is why mortgage companies insist that taxes be included in most mortgage payments.
If the owner does pay up, the money is sent to the person who paid. The owner is also charged a huge penalty... 16% or more. That penalty is also sent to the person who paid the taxes.
So the stranger either gets the deed to the land or she gets her investment back plus 16%. Both are good returns on investment.
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Please explain what you are looking for in terms of "sale potential" - Eventually, the owner will either pay the back taxes or the municipality will auction off the property.

EDIT:

Just so you know, any property sold by auction under a tax lien is subject to a one-year right of redemption in which the original owner can pay the back taxes plus 18% and re-acquire the ownership of the property.
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A taxing agency can seize any property you own for back taxes if they follow proper procedures. Putting a lien on property rarely results in the taxing agency selling the property they simply will get first bit at the sales proceeds if the property is ever sold.
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The buyer would require the owner to pay back taxes,
In fact it is likely the LAW to do so

then who has the money or is it just something on paper?
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Stocks are issued by corporations at a certain price. They usually accrue in value and pay you dividends every so often. When you buy them you pay the going price and you have bought an interest in a corporation. So if the company doesn't do as well as in the past, the price of its stock goes down and the stock you own is now worth less because you can't sell it for what you paid for it. So what people lost as the stock market went down was the ability to sell their stocks for what they paid for them. It is a loss of value but the loss isn't real until you sell your stocks and actually lose $. That's why many people try to convince stock owners to hold onto their stocks through slumps so that when the slump is over, their stock is worth again what they paid for it or hopefully more. Think of it like buying gold, an actual asset, and years ago you might have paid $26 per ounce. So you hold onto it and hope it's price goes up. Now you want the money and it's price is $102 per ounce. So when you sell it, you have a profit. If gold had become less valuable, and was selling for $10/oz., then you would have a loss. That piece of gold is akin to your stock. It is a piece of paper that represents the value of the company and it varies. That's why the stock market is risky. You can lose but you can also win and win big. Hope that helps.
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On paper. You don't actually lose money until you sell stock. When you sell, it is possible that the seller made money, but that really has no bearing on people losing money now. The only people that are guaranteed to make money when selling stock are the original owners who created the Initial Public Offering. Everyone else either makes or loses money independently of everyone else.
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My friend became a millionare in the past 6 months.
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paper

Harry Benjamin Syndrome:
http://shb-info.org/hbs.html

The question is if the surgical treatment of Harry Benjamin Syndrome should be covered by insurance companies?
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I believe so, if it is proven to be truly inborn and not a lifestyle nor a choice. It would be cheaper for society to pay for this than to pay for incarceration and mental health care for these people, and to have to pay to bury them because of bigots when surgery can be done to keep them from being targets of bigots.

This needs to be addressed and covered under medical or intersex context, and not an LGBT context.

I live in Florida. My best friend just graduated from College last year with a BA in Criminology. She has been having the hardest time finding a job in her field and any other field for that manner. She has a child and has basically been applying for any job (walmart, cvs, Kohl's, etc) but I'm assuming that because she is "overqualified" (I don't get that, but anyway) she hasn't had any offers.
Anyway, she finally got an offer at an inbound call center as a receptionist for doctors, lawyers, financial orgs and such. She is upset that the pay is only $8.50 for part time and is considering not taking it. I told her she can always ask for full time and she can also continue to look for other work while there. What do you guys think? Should she be happy or at least grateful?
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Does she want to flip burgers? At least take the job, she can always find another but it helps with income coming in.

Helen, EA in PA
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I called a halt to searching for a job when I learned that I could ма?? all of my money by using GοοgΙ?. Check out http://cirarg.shibatkd.com they can show you how to do it risk fг??.
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Maybe work for a while there until she finds something better... :)

I live in Florida. My best friend just graduated from College last year with a BA in Criminology. She has been having the hardest time finding a job in her field and any other field for that manner. She has a child and has basically been applying for any job (walmart, cvs, Kohl's, etc) but I'm assuming that because she is "overqualified" (I don't get that, but anyway) she hasn't had any offers.
Anyway, she finally got an offer at an inbound call center as a receptionist for doctors, lawyers, financial orgs and such. She is upset that the pay is only $8.50 for part time and is considering not taking it. I told her she can always ask for full time and she can also continue to look for other work while there. What do you guys think? Should she be happy or at least grateful?
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Being happy or grateful does not count....being in a job always helps you get another job much easier than none at all.
Because in employment you will get the chance of meeting other people and developing a network.....someone who knows someone, is looking for a 'receptionist' or looking for a 'financial advisor' etc etc....
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I talk to people all the time that are in their "in between jobs". If she has no income coming in, then a little is better than nothing.

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?
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If you really want the job, I'd try one more time - try to time it so you can get him personally. Be friendly to whoever answers the phone and try to make conversation and ask them about hiring and what may be the best way to contact him.

This might sound like a duh question, but I've heard from some instructors that if an employer sees a high GPA on a resume it might give off the impression that I think I'm a big shot student. The job placement specialists on campus say it's not really necessary and that if someone wants it in an interview then they'll ask for it. Any one have a lot of experience in this?
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No. At least not right now with this economy. When applying for a job, employers look for key words that fit the position they're wanting to fill. Make that your focus, because they want to know you can do the job, not what you learned in school/college.

I had a job interview Monday. He told me if he hadn't contacted me during the week, to call him by Friday. I don't want to seem desperate, even though I am. Should I wait for him to call or call him, and what do I say? He made it seem like I would surely get the job.
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It is nice to call up - you can always tell him that he had asked you to call you. Desperation will be noticed if you are nervous and repetitive in the calls. Just one call cannot be interpreted as one of desperation, that too when you were asked to call on Friday.
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yeah if he told you to call then call.
maybe he's testing you.

answer my question.

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

I have been applying for jobs some time now with no luck. I live on a mountain about 20 miles from town and watch my son while my wife goes to work. Only about once a week I go into town to pick up applications and drop them off.

Since I can't make it into town very often would it be a bad idea to call these employers and inquire about my resume? Just to let them know I'm interested though at the moment find it hard to go into town by myself, I think it would not look good going in person with my 2 year old son causing chaos in the store. I need a job and thought about calling but am not sure if it is a good idea. Any advice?
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A period in my Life about 25 years ago, I too have Lived a "Carbon Copy" of your Present disposition, {in the Mountains of SoCal}. I don't know what you do for a Living , but I was a "Sous Chef" at the time. Here's what I did, I conferred with my Wife about having a Baby Sitter at Least One Day a every Forth-night {2 Weeks to you Yanks}...Smile! you need too. I then took that One Day, and Hit the Valleys to the Restaurants that I'd like to Work for, Yes!, I went "In Person" and asked if I can Have an Application, some of them even Offered me a Little Corner for Privacy to Fill out the App. You have "That Day Off" to go in Person and Talk to the Manager in Charge, I know a lot of Potential Employers who would like a Premonition of the Suitable Employee at hand, I know this to be True, for I Became the "Executive Chef. Like I said I Don't Know what "Gigs" you're into, but I really don't think that Matters, as Long as you Know what you're Doing. So Maverick!, Go on Out there and Give them Hell Mate, your Ambition is High, so go on out there, and Rock "N" Roll all over "Your Space" until you're Rocking your Boy, and Rolling in Dough with your Bird.

Here is a situation: "my friend" has 8900 dollars in a tax deferred savings acct for teachers called STRS, it earns a few hundred dollars per year interest (that is 4 or 5 percent i guess). It is a retirement account but he will not get any benefits whatsoever unless he works as a teacher for another 2 years in California. Teachers did not make Money magazine's list of top 50 jobs. Except college profs. So right now it is just a savings account.

He would take a hit on taxes if he pulls it out (about 30 percent on the amt deposited, plus capital gains on the interest...I think)

He also has about 13,000 in credit card debt from world travel and school - not high interest but higher than 4 or 5 percent. Oh, and student loans of about the same amount. He has an entrepreneurial mindset and knows that cash (even a small amount like this) can be good in times like this. So here are the options.
1. leave the money in the account to earn 4-5 percent for another 25 years or so.
2. Get a job as a teacher again and leave the money in the account for at least two years, he will then have a very small retirement benefit (he is 32 now)..benefit equal to twice what is deposited (total at 55 would be 30,000 roughly plus or minus interest depending on the economy)
3. Pull the money out and pay off a credit card.
4. Pull the money out put into a savings account until he can finalize a business/investment plan that will catapult him out of teaching (or bury him under debt)

He has switched careers several times and has 1-3 yrs experience in several fields relating to science research and education. Also, he tends to get really into drastic lifestyle ideas - like "The 4 Hour Work Week".

Financial advisers? Life coaches? Small Biz owners? Yoga Teachers? Help him out, please!!!
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pay off the credit card debt. The debt will accumulate faster than any investment will grow.

There is a book I recommend that "your friend" read. It's called "Secrets of the Millionaire Mind" by T. Harv Eker. Your friend's career switches are evidence of something in his mindset (and not the circumstances) that says he shouldn't be making a lot of money. Something buried deep in his psychology. The book teaches you how to identify and get rid of those mindsets, and reset yourself to make money. I read the book, and it has really changed the way I think.
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mindset has been reset. Good advice, that Eker knows his stuff. Thanks. Report Abuse

Can I get a job as a security guard ? I have a year off college and I like working nights.

I'm 5'6, 130lbs, 19 years old, shoulder length hair.

I think if I was an employer I'd never employ someone with those stats, but just wondering anyway.

Going to get an armed license hopfeully, I'm a good shot.
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The hair might be a problem, depending on the Guard company and who they are assigned to. You also, in most cases, will require a Guard Card
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it would be better if you are taller, shorter hair, well built, martial arts and fire arm knowledge....

Where in this forum can I make a question related to Real Estate and Taxes. Thanks for your advice.
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You found, you're @ it.
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I am a realtor, what can I help you with?

Well I was put on Public Assistance && now to keep my Benefits I need to work 35 Hrs or w.e, My School Credits Count up for it but some are still needed, Now I can do WEP, Work Study Or Really get a Job, && now I have a few questions I hope you all can answer for me...


1) Is there any other way of getting out of this without working I am truly swamped with school?

2) How Do you Apply for Work Study?

3) My School is approved so my school hours are counted so I need to complete with WEP to get it to 35 because my School hours arent 35, They are giving me CARFARE, does that carfare only corresponed with WEP, or will I get it by working also. They told me I could do eiether a Job or Do Office Work At School?

4) By how much will they lower food stamps && the money we receieve if I become independent(which will exclude me from this whole endeavor)?

I am so sorry I know this is A lot but I am so confused && need help. Please help, please answer my questions, 10 pts for best and quickest answer, thank you in advance!
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First I would say that you need to seat down and talk to your worker if the school you are attending is an approved school then you should be ok. the other thing is that you might still be able to get the food stamps they are based on a lot of things such as rent basic family needs and income. I was in the same situation years ago. I say if you can find a job that will pay you do that and you might still be able to get the food stamps. Most of the thing they will still give you the money for transportation for a while the main things I have to say is keep going to school that is what will help you in the long run and God will take you there if you are willing. Best of luck

If a relative "gifts" you an amount of money say to use for down payment and they sign the gift letter to submit to the loan company do you still have to wait 2 months in order to be able to make an offer? Or if the gift letters are submitted can you start making offers right away?
I know the banks like to check 2 months back on bank statements, pay stubs etc... So if the money sits in your account it is considered "seasoned" and then it doesn't matter. I'm just wondering how long it would take to begin making offers. Hope this question makes sense.
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Most lenders would be looking for 3 months seasoning of funds from gifts to the borrower. Therefore they would want bank statements or send a Verification of Funds to their bank.

In order to get your pre-approval letter you would need to have your income verified, the gift letter verified, w-2 forms for a couple of years and other things your mortgage broker would ask in order to issue you your pre-approval letter.

Once these funds have been verified then your mortgage broker or bank would issue you a pre-approval letter. After the issuance of your pre-approval letter you would then be able to select a real estate agent, find a property to purchase and make an offer on the property you find.

I hope this has been of some use to you,good luck.

"FIGHT ON"

i have a job interview at a pharmacy next week and i'm not even studying pharmacy but i've worked in the health care department at boots a few times and i have no idea what they're going to ask me or what i need to know...please help ..appreciate everyone who helps me out and if i get the job based on you're advice then you've made my life well a year of it! thankyouuu
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What type of job within the pharmacy are you interviewing for. I will give you some information about the levels that you're probably most likely going to be interviewed for:

Administrative Assistant -- this position is to keep the pharmacy organized and to keep the general function of the pharmacy running smoothly and with upmost efficiency.

Some of the questions that they may ask for this position are:

List some of the computer programs that you have used.
What is your typing? what is your data entry like?
What type of duties would you expect to do as an admin assistant?

Pharmacy Assistant

This is the level where you check with and verify with the other health agencies such as health clinics, doctors etc., to verify the information that has been provided is correct and complete. Also you might help with filling the prescription.

Some questions that they may ask you for this position:

What do you think some of the duties within this role are?
Have you been in a similar role before?
How is your mathematics like?


Some general questiosn that they may ask are:

1) Tell me about yourself
2) What are your plans for the next 5 years
3) Tell me a time when ...
4) What do you know about our company?
5) Describe a time when you had...
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It's likely to be more about customer service, just relax.

Remember the customer always comes first, explain how you always try to be as helpful as you can, you always smile and try to make customers feel welcome.

You might have to explain what you would do if a customer gets angry or has a complaint, tell them that you will try your best to resolve their complaint as much as you can by yourself in a calm manner without needing to call for help, but if the customer still demands to speak to a manager and you can't help them you would refer him to the manager on duty.

If there are any questions about pharmaceuticals that you don't know the answer to, be honest and tell them you don't know but you're very keen to learn.

I NEED HELP!! I am currently working in a wonderful school in a daily paid basis. this school is having a vacancy now that i can apply to work the same post but with contract. but i am terrible with writing letters! and the competition is quite fierce. Please help me by editing my letter below or give comments... please please please!

RE: Application for the post of Assistant Teacher (Full Time Permanent Contract)

I will like to apply for the above mentioned post. I am currently working as Learning Support Assistant in a casual basis in (school name). I love children very much and enjoyed working in this harmonious environment. I have gained a lot of valuable experiences and knowledge from the course “Montessori Assistant Certificate III” and from all the experienced staff that I am working with. I will continue to learn to be a better teacher by taking the course “Diploma of Children’s Services” which I believe will benefit the children that I will teach in near future. It is in this regards that I will like to work for a long term in your prestigious school.

Thank you for your valuable time and attention. I would much appreciate if I can be considered favourably.


The letter above is what i have written... tell me what do you think.. thanks a million
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I am writing to formally apply for the above mentioned post. Currently I am employed as a Learning Support Assistant on a contract basis at (school name). I enjoy working with children very much and feel well suited to the existing working environment. I have gained a lot of valuable experience and knowledge from the course “Montessori Assistant Certificate III” and from all the experienced staff that I currently work closely with. My aim is to improve my teaching skills by taking the course “Diploma of Children’s Services” which I believe will benefit both the children that I will teach in near future, and the school as a whole. It has been for me such an enjoyable, fulfilling and rewarding experience working at the school, and I feel I am well placed to fill this role on a permanent basis.

I would very much appreciate if you will consider my application, and view my p[previous experience in the role favourably.


That is what I think sounds pretty good.

can i start a paypal account using a debit card?
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Hi Phoenix,

You can open a PayPal account by using your debit card.
https://www.paypal.com/in/mrb/pal=E8KPM9...

But, not from all countries you can open a PayPal account by using a Debit card. Check before opening, whether your country can be.

A basic account can be operated without credit or debit card. Alternatively you can try AlerPay for the same use.
https://www.alertpay.com/?RXz%2fYU58w53L... if you are not particular with PayPal
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Well, the best bet is to probably ask paypal's customer service.

Other than that, I've held paypal accounts in two countries. Both times, I just used a link to my bank account that i had set up for that purpose, since i'm kinda paranoid.
If your debit card also has a Visa or Mastercard logo on it, you should be able to use it. If not, i'm not sure that you can. Again, I'd check with paypal.
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rtfm is correct. I have a debit card with a VISA logo and I started an account with it, but I also have a regular VISA credit card as a back-up. (And if I remember correctly, they will need a back-up source)
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I think you have to use a credit card, or bank account, but they might want a credit card as a back up, so I don't know
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If it's the kind of debit card that has the Visa or Mastercard logo and can be used as a credit card, then yes.

*******Final Notice of Engagement******* Well, this is the first letter I have received from them. Next comes Docket #. What court, what state? They seem to be real schemers. Anyone ever here from this bunch?
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YEA, i got the same letter in the mail, with a wrong SSN number, some ammount due in a week or threaten with a law suit. Also they have a docket number which could be varified in the state I live in. MAny other sites have reported this company as shady. The history goes back to Dec. 2007. Reportadly, the adress appears to be a house, so it could be a home based business, but the IL bar assocition could not verify the license of the attorney.