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

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

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

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

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

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

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

Good luck!

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

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

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

Good luck.

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

commisions are on per lot basis

upper and lower reminders are on per share price basis

commissions as %, no

these are both optional entries

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

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

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

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

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

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

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

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

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

would you pay more/less?

plz ALL answer

No. Not without knowing what that $60 includes.

If you saw a sign that said...

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

would you hire them?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Thank you!

Credit card companies report to the credit bureau the following:

Late payments, monthly balances, credit line

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

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

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

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

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

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

thanks.

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

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

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

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

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

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

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

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

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

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

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

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

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

KEEP YOUR FICO score clean.

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

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

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

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

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

1 vote

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

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

BINGO!!!

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

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

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

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

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

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

It's a certainty that it will.

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

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

Odds are strong that another extension will be passed.

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

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

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

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

Who exactly do you owe?

have cheaper/lower prices?

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

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

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

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

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

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

cheap prices and special offers.

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

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

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

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

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

Because everyone who changes money offers their own exchange rate.

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

Every exchange rate will be different.

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

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

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

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

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

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

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

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