Eliza

bad credit lenders

2009-10-30T05:51:00.001-07:00

Finding a good bad credit equity loan lender is important for anyone who is looking to get their loan approved. Using the internet you can find the different lenders that offer these loans. Be sure to find a lender who will give you a ...A good lender is one who interacts well with you. Having bad credit history does not mean you're useless. In any event, if lenders behave in the wrong way with you, there are ways you intend to change. ...So if you need to get a mortgage, there are bad credit mortgage loan lenders in the market. These loans are generally more costly than the regular home mortgages. This is because the lenders need the extra security should you default. ...Given that a few people would not easily meet the requirements for a home loan, a number of lenders have embarked on providing home loans to fit different requirements. For this issue, bad credit mortgage lenders have gained extensive ...Bad credit lenders have tightened their lending practices over the last few years because of the credit crisis. It is now very important to improve your credit score to get a low interest rate. There is very little doubt that a low ...Yes, most people with bad credit will be able to qualify for some type of loan but usually with some restrictions and limitations. There are numerous lenders who focus specifically on loans for people with bad credit so don't give up. ...By Natalie Totty Many people that have bad credit are looking to refinance their home. They should know that it is really not that hard to do and is not impossible. Contrary to belief, there are lenders out there that are bad credit ...Always remember that you are having a bad credit history. That's why it is an obvious thing for the lenders to think well before dealing with you. So, even if your loan request is declined, don't get dishearten. ...You've likely heard about bad credit mortgage lenders and how they will finance your home even if you have poor credit. Before you sign your life away to one of.Lenders will be looking closely at your income and job history - With bad credit, lenders are going to want to make sure that your income is more than enough to cover all of your minimum payments. The longer you have been at your job, ...
I don't have perfect credit, neither does my husband but we are diligently paying off our bills one by one. I have been looking into loans for people with bad credit and of course they are all over the place promising a future for our family. Then I fillout the Application and whammy I'm hit with an appology notice from yet another lender. I never believed for a moment that I would never own a home, I'm not even trying to get an expensive one. I have two boys, one five, one three, a 4 1/2 month old baby girl and I am due in December. I am begining to feel hopeless and beyond frustrated, I don't want our kids growing up in apartments their whole lives, I'd like them to have their own yard someday. There are a lot of "Bad Credit" loans promising to help but they never really mean it - what gives? Can anyone help?

It seems that most of the firms advertising to specialize in bad credit loans are scams - predators just waiting to rip innocent people off! Does anyone know of a reputable firm that actual offers loans to people with bad credit without requiring money up front for the loan? If so, please let me know.

Im from South Carolina and looking for bad credit loan companies/lenders. Do you know anyone?
Thanx.

I have recently fallen into a loan trap and I am desperately trying to get out of this hole I have dug for myself. I had bad credit and have been turned down for loans from banks as well as other online lenders. I have a stable job and I am able to pay back the loan each month. I need at least $5000 and I am curious if anyone has any legitimate answers and/or soultions to this question. I have spent months trying to figure this out and cannot get any assistance.

My uncle asked me this recently, and I couldn't offer any advice. The only bad credit loan companies I know about car title lenders.

My experience looks like this:
2003-2009 finance / credit analysis for a commercial lender
2002-2003 Sales (low level interim position, one company, 14 months)
2001-2002 Interim clerical work (one company, 13 months)
1999-2000 General manager, internet company
1995-1999 Marketing director, international trade consulting

The issue is that when the dot com bubble burst, I had some personal (family) issues that forced me to move back to a small town with a limited job market and took two jobs which I did well at, but were off track from my career. Where my resume was business and management prior to 2001, if I use a chronological resume, I look like a guy that has a lack of focus, or an unclear skill set. If I use a functional format, there is a gap in my employment from 2000 to 2003 -- and I don't want an HR person to assume the worst.

Any advice? Thanks for your help!

My husband was unemployed for a while before he met me and mismanaged some repayments on credit cards and student loans. This is now over 4 years ago, and he has since been on time with all his payments. How long will those negative comments remain on his credit report?

Also, there is a claim for some money that the lender agreed to write off, but it's still on his credit report. Can we do something about it? I think the loan is being sold on to new companies...

My fiance and I just started looking at houses. We are about to contact a lender to see if we can pre-qualify for a loan. Both of our credit scores are pretty bad. He has a repossesion on his record and I have alot of medical debt.
We make a total of 6-7k a month.
we are interested in buying a home for around $241,950.
we are 1st time home buyers.
Do you think we can get approved?
The medical debt will be 7 years old in dec. The repossesion is about 3 years old.

I am in desparate need of a car loan. My car was stolen over the weekend and I need a car where I live. I have what most would consider Bad credit and need some advice on where to shop for a loan without paying an outrageous interest rate. The other problem is that I don't want to apply for too many lenders because it lowers your credit score even more. Please help. Thanx.

It seems that there are hundreds of illegal scams, I have reported one to North Carolina. I have had my credit devastated by my recent (Aug 09) divorce. I am unable to borrow with my credit rating. I can pay the note, but need to find someone who can and is willing to take a chance on me.

Does anyone know of true, peer-to-peer private lenders that would help out?

Thanks!
It seems that there are hundreds of illegal scams, I have reported one to North Carolina. I have had my credit devastated by my recent (Aug 09) divorce. I am unable to borrow with my credit rating. I can pay the note, but need to find someone who can and is willing to take a chance on me.

Does anyone know of true, peer-to-peer private lenders that would help out?

Thanks!

ADDITIONAL.. I have tapped out my 401(k) loan. I am the HR DIrector of my company. Prosper turned me down because of my credit score, I have contacted a subgroup within that site called HEROES...waiting for a response.

ive probably been refused credit 250 times online i would say maybe more, defaulted on every loan ive had, messed up 3 mobile contracts, messed up car finance, oh and not to forget the credit cards and payday loans and catologues, is it possible im in a catagory of a select few with a credit rating so bad that even the worst lenders on the planet wont touch....

We are needing a personal loan to pay off past due debts and current debts so we will only have 1 payment every month. We would have no trouble paying it back, we just don't have the extra money for upfront fees or processing fees.

Right the gist of things is that my fiancee and i want to consolidate our debts and get a mortgage.
My fiancee already owns 50% of his parents old house (they don't live there any more) along with his brother, so what we wanted to do was buy him out, move in to the house and include any debts we have along with the mortgage, as we're struggling to pay the huge amount of interest on them.
Unfortunately every mortgage lender we've tryed has messed us around for 6 to 8 weeks, had us jumping threw numerous hoops, then turning us down due to missed payments/bad credit. But the silly thing is that we can actually afford twice the amount the mortgage would come to as we wouldn't be forking out tons on high interest payments etc.
How do we break this vicious circle?
The Brothers all for it, Fiancee will be husband soon enough, and as for debts well theres a couple of credit cards and a car loan and a personal loan. We have kept up to date on all the payments up until August but since then its just snowballed with the rising cost of living.
Our out goings for just repayments alone are over A?1,200 pcm, plus our rent of A?500 pcm (which we've never missed a payment or been late with), where as getting a A?85k mortgage will at least half our outgoings (around A?600pcm on a 6% intrest rate) so whats the probem? i dont get it. Would it n just be common sense to give us the mortgage?
We've both had mortgages in the past and never stuffedthem up.
if not a mortgage what other options do we have? we dont really fancy paying just as much on interet as the loan amount. Or is it more a case of '' you've made your bad decision bed and now must suffer in it''?

bad credit loans are there any i mean any bad credit loans ?
i have yahoo-ed the web in and out and can not find any !

my credit score is 618 and i would like to buy my first house for me and my family i have some cash for a small down payment.

and if you know of any personal loan lenders that can help with a down payment that will really be appreciated, i already tried www.propser.com but your credit score has to be 640+

Thx

We want this house really bad but it requires a cross qualify with there own lender. Now if we do this will they run our credit again? Me & my husband have worked so hard to get our scores up to get a house, They told us we needed them to get up to 620 & we had a 621! im worried that now if this lender does run our score it will bring it down. Or do i have the option to just send them the scores we already had run when we first got pre qualified with our lender?

1The term "receivables" refers to
a.amounts due from individuals or companies.
b.merchandise to be collected from individuals or companies.
c.cash to be paid to creditors.
d.cash to be paid to debtors.

2Ratios are used as tools in financial analysis
a.instead of horizontal and vertical analyses.
b.because they can provide information that may not be apparent from inspection of the individual components of the financial statements.
c.because even single ratios by themselves are quite meaningful.
d.because they are prescribed by GAAP.

3The debt to total assets ratio measures the percentage of the total assets provided by creditors. True or False?

4Dividends may be declared and paid in cash or stock. True or False?

5A detailed stockholdersa�� equity section in the balance sheet will list the names of individuals who are eligible to receive dividends on the date of record. True or False?

6Which one of the following would not be considered an advantage of the corporate form of organization?
a.Limited liability of stockholders
b.Separate legal existence
c.Continuous life
d.Government regulation

7Which of the following factors does not affect the initial market price of a stock?
a.The companya��s anticipated future earnings
b.The par value of the stock
c.The current state of the economy
d.The expected dividend rate per share

8Specialty Packaging Corporation began business in 2007 by issuing 20,000 shares of $5 par common stock for $8 per share and 5,000 shares of
6%, $10 par preferred stock for par. At year end, the common stock had a market value of $10. On its December 31, 2007 balance sheet,
Specialty Packaging would report
a.Common Stock of $200,000.
b.Common Stock of $100,000.
c.Common Stock of $160,000.
d.Paid-in Capital of $150,000.

9Current liabilities are due
a.but not receivable for more than one year.
b.but not payable for more than one year.
c.and receivable within one year.
d.and payable within one year.

10In a recent year Dillon Corporation had net income of $130,000, interest expense of $20,000, and tax expense of $30,000. What was Dillon Corporationa��s times interest earned ratio for the year?
a.6.5
b.7.5
c.8
d.9

11The relationship between current assets and current liabilities is
a.useful in determining income.
b.useful in evaluating a company's liquidity.
c.called the matching principle.
d.useful in determining the amount of a company's long-term debt.

12A concentration of credit risk is a threat of nonpayment from a single customer or class of customers that could adversely affect the financial health of the company. True or False?

13A major advantage of national credit cards to retailers is that there is no charge to the retailer by the credit card companies for their services. True or False?

14When an account receivable that was previously written off is collected, it is first necessary to reverse the entry to reinstate the customera��s account before recording the collection. True or False?

15A dishonored note receivable
a.Is no longer negotiable.
b.Must be written off by the lender.
c.Creates a claim against the maker for the amount of principal only.
d.Is one that is not paid in full within 10 days of maturity.

16Which one of the following is not an accounting problem (issue) associated with ac-counts receivable?
a.Depreciating accounts receivable
b.Recognizing accounts receivable
c.Valuing accounts receivable
d.Accelerating cash receipts from accounts receivable

17An aging of a company's accounts receivable indicates that $4,000 are estimated to be uncollectible. If Allowance for Doubtful Accounts has a $1,200 credit balance,
the adjustment to record bad debts for the period will require a
a.debit to Bad Debts Expense for $4,000.
b.debit to Allowance for Doubtful Accounts for $2,800.
c.debit to Bad Debts Expense for $2,800.
d.credit to Allowance for Doubtful Accounts for $4,000.

18The extent of internal control features adopted by a company must be evaluated in terms of cost-benefit.

19Companies that fail to maintain an adequate system of internal control
a.may be subject to charges of fraud.
b.will be automatically dissolved.
c.may be subject to fines and officer imprisonment.
d.may be forced to sell their assets.

20An income statement would not include
a.other revenue and gains.
b.extraordinary items.
c.discontinued operations.
d.dividends paid.

21When a change in accounting principle occu

Harvarda��s Bet on Interest Rate Rise Cost $500 Million to Exit

By John Lauerman and Michael McDonald

Oct. 17 (Bloomberg) -- Harvard Universitya��s failed bet that interest rates would rise cost the worlda��s richest school at least $500 million in payments to escape derivatives that backfired.

Harvard paid $497.6 million to investment banks during the fiscal year ended June 30 to get out of $1.1 billion of interest-rate swaps intended to hedge variable-rate debt for capital projects, the schoola��s annual report said. The university in Cambridge, Massachusetts, said it also agreed to pay $425 million over 30 to 40 years to offset an additional $764 million in swaps.

The transactions began losing value last year as central banks slashed benchmark lending rates, forcing the university to post collateral with lenders, said Daniel Shore, Harvarda��s chief financial officer. Some agreements require that the parties post collateral if there are significant changes in interest rates.

a�?When we went into the fall, we had some serious liquidity management issues we were dealing with and the collateral postings on the swaps was one,a�? Shore said in an interview yesterday. a�?In evaluating our liquidity position, we wanted to get some stability and some safety.a�?

Harvard sold $2.5 billion in bonds in the fiscal year, in part to pay for the swap exit, even as the schoola��s endowment recorded its biggest loss in 40 years, the report released yesterday said. This is the first time the university has detailed the cost of exiting its swaps.

Further Pressure

a�?Substantial lossesa�? in Harvarda��s General Operating Account, a pool of cash from which bills are paid, further put pressure on the school, the report said. The net asset value of the account fell to $3.7 billion from $6.6 billion during the fiscal year, according to the report.

Harvard has typically invested a large portion of this operating account alongside the endowment, generating a�?significant positive investment results,a�? the report said. This year, the endowmenta��s losses hurt Harvarda��s cash, according to the report.

Swaps are a type of derivative where two parties agree to exchange payments tied to a financing, typically receiving a variable-rate for a fixed-rate payment. The terminated contracts include three tied to $431.7 million of bonds the university sold in 2005 and 2007, the annual report said.

Unwinding Swaps

From New York to San Francisco Bay, tax-exempt issuers have paid hundreds of millions of dollars to unwind bond-and-swap transactions officials initially said would cut borrowing costs. The deals fell apart when municipal-bond insurers, who backed much of the underlying debt, lost their AAA ratings in 2008 and interest rates, instead of climbing, plunged to record lows in the worst credit crisis since the Great Depression.

The swaps are often pegged to Securities Industry and Financial Markets Association lending benchmarks or the three- month dollar London-Interbank Offered Rate, known as Libor. Libor closed yesterday at 0.28 percent, from a 10-year high of 6.89 percent on June 1, 2000.

Yale University in New Haven, Connecticut; Georgetown University in Washington and Rockefeller University in New York have reported losses related to interest-rate swaps, in some cases prompting the schools to pay termination fees to end the contracts.

Lawrence Summers

The annual report provides new details on Harvarda��s derivative-related losses. Many were entered into in 2004, said Harvard spokeswoman Christine Heenan. Lawrence Summers, director of President Barack Obamaa��s National Economic Council, was the universitya��s president at the time. White House spokesman Matthew Vogel declined to comment.

Harvard Management Co., which administers the endowment, has been run since July 2008 by Jane Mendillo, former chief investment officer of nearby Wellesley College. She took over from Mohamed El-Erian, now chief executive officer of Pacific Investment Management Co., which oversees the worlda��s largest bond fund from Newport Beach, California. He succeeded Jack Meyer, who ran it for 15 years, in February 2006.

Harvarda��s loss a�?says that people dona��t understand the complexity of the products they are buying and selling and that doesna��t begin and end with mortgage securities,a�? said Robert Doty, a municipal finance adviser at American Governmental Services in Sacramento, California.

a�?It shows that with these products that are so highly complex, people are a long way from knowing as much about these products as they think they do,a�? he said.

Financing Construction

The Harvard swaps involved bonds sold to finance a medical research building, graduate housing, parking and a Center for Government and International Studies, according to reports from Moodya��s Investors Service. They were also used to lock in rates for future bond sales for an expansion of the campus across the Charles River in Boston that has since b

Bad credit could keep you from securing the loans from lenders you need for large purchases, such as a home or new vehicle.so what are the ways to repair it

We have No credit, recently moved so our jobs have not yet proven long term to a lender. I know we have job security but they dont. We need a car as soon as possible -basically the transmission is becoming dangerous.
And absolutely everyone we know has bad credit or has already cosigned for all the other bad credit family members.
Is there anyone who will give out a car loan in this situation?
I suppose they won't take a co signer with no credit, am i right?
I am the only person in my family who is good with finances and i haven't existed long enough to establish anything =(

I guess i already knew my answer... just kinda being too hopeful = (

Due to medical expenses we have fallen behind on bills, rent, utilities etc. My credit score is not very good because of these recent problems. I have been trying to get a payday loan. Friends have reccomended a few websites. Each one I go to says they will match me with a lender. I fill out the application and get redirected to another website that says they will match me with a lender. Does anyone know of a legitimate website to directly apply for a payday loan? I am only in need of $1000 to cover the rest of this months rent.

Surely it's not the idea of government offerring a reasonably priced and fairly administered health insurance contract?

We have seen how corporate America works. From the big banks, to the big credit card companies and mortgage lenders, right. You don't pay these guys at least $10 million per year, they wouldn't even consider showing up for work. Most of them wind up getting $20 Million or $50 million when all parts of their pay and compensation and pension and healthcare and expense account are figured in.

So the idea that corporate America is ludicrously greedy and rapacious is not news to anybody who has actually been on planet Earth for the past 10 years, right.

Now comes government, and says it wants a non-greedy, and non rapacious healtg insurance company. It wants to set one up. It wants a chance to compete with the insanely greedy private companies, maybe offer a better product, or make them offer better products by giving them some honest competion.

Well, if that's all there were to the offer, only a real Chicago School Purist would object.

So, what's the big objection to the Public Option?

Here it is.

Imagine a company that wanted to sell flood insurance. OK so they sell most of their policies in the floodplain areas of the USA.

In order to attract customers they say "We will pay off on these policies even if you buy them after your house has been completely washed away and destroyed utterly by a flood."

Well, of course they sell a lot of policies, particularly after big floods. Everybody whose house has been destroyed buys a policy for $5,000 and then puts in their claim for their destroyed house for $500,000.

Miracle of miracles this company soon finds itself in big financial trouble. Why?

Because $5,000 is a much smaller number than $500,000.

Now come the company executives, and they say, "How were we to know that our business model was faulty?"

We went to Princeton, Harvard, and Yale, we studied speechmaking, and community organizing, and political theory. We have never seen the inside of any business, met any payroll, done any cost accounting, kept any books, or developed any business models.

How were we to know?

Is this really similar to a health insurance company that agrees to insure all persons regardless of pre-existing conditions.

Imagine that the person is like the house.

Imagine that the pre-existing condition, perhaps glioma of the brain, is the house already having gotten washed away in the flood last week.

Imagine that the premium is $5,000 per year.

Imagine that the operation for the glioma costs $500,000.

Now, the rule of arithmetic that we visited earlier
is still true, $5,000 is a smaller number than $500,000.

Who could possibly imagine that such a health insurance company would run into financial trouble, and quite quickly, and quite deeply?

No one in government. They went to Princeton, Harvard and Yale, you know the drill.

The problem is this: The bad flood insurance company only hurts itself, it's policyholders, its employees and it shareholders. It winds up in bankrupcy Court and gets eliminated, within about 6 months.

But the bad (crazy) U.S. Government backed health insurance company, can't go bankrupt. It has the full faith and credit of the Federal government behind it, who can print money, or take the bad debt onto the Fed Balance sheet.

So this becomes the money black hole. It's like a cash whirlpool. The money disappears down it, and never comes back, and it gets bigger and hungrier every day, every hour.

The rathole down which USA disappeared.

So -- the problem is all about the fact that the government has a completely crazy business model for how a health insurance company can operate -- and it's not their fault -- what do they know from insurance? Zilch -- they are community organizers!

So this is an idea in which everybody is a victim, even the ones coming forward with the idea now, they are victims too ''How were they to know?"

My husband and I are new to the military and are shopping for automobile financing. A lot of places I've been finding online are "fast" and "bad credit ok!"- this puts me on guard. We both have a good credit, and are looking for a decent rate. Anyone have any insight or lenders they've used? We're looking for a 13,000 dollar loan
I don't really want to go through the dealer for financing since my dad owns the dealer (we're getting a good price) and our finances will be available for him and the finance manager to view. It's not a big deal- I just hate having my parents in my finances.

Ok, so I am nervous...buying my first house. I've heard a few horror stories so I want to prepare myself for the worst. I have a contract on a home with a Nov. 13th closing date....lender is working to close much sooner though. My credit wasn't the best but I received a commitment from Wells Fargo. My credit in Aug when I went to them for a mortgage was around 650 (middle score). Since then I have a new collection on my report (I have disputed it so hopefully it will fall off) and I have used a good amount of the credit available to me on my credit card. (had a baby 4 weeks ago). I am not sure if it is standard procedure to pull the credit report again right before closing...I've heard that it is...can anyone tell me what will likely happen. Also I have an old gas bill (over 2 years old) on my credit report that I haven't been told to pay off...will they ask me to pay that as well?
My credit has decreased a lot with the new collection and higher balance on my credit card.

can anyone refer me to a lender who deals with bad credit, I have applied for all different types of scholarships but nothing has panned out and my financial aid only covers for my classes.. Thanks for all your answers
I do not qualify for a pell grant I have no dependents, I did apply for a federal aid with FAFSA and the remainder of my balance is going to be 300.00 dollars. this is my first year back as an adult student I work and my job no longer offer tuition reimbursement.. help

We bought a home in Baltimore City in 2005. It was a renovated home and we planned to stay for 5 years. We foolishly refinanced our home in 2006. This enabled us to obtain a fixed rate, but we also pulled money out to pay off debts. At the present time, I would estimate that we are $60-100,000 underwater on our mortgage. The neighborhood is steadily becoming worse. Drug addicts, shootings, break-ins, you name it. We have since had a baby and I am uncomfortable with continuing to raise a child here. Yesterday one of our neighbors threatened my husband. I am completely at the point where I want to move. How would a foreclosure affect us? I am not concerned about our credit or owning a home again anytime soon. My biggest concern is whether or not our lender can come after us for the difference of what we owe. The only thing I am looking for is to be able to rent a home/apartment in a better neighborhood or move in with family. I believe that our piece of mind is worth walking away from our home. My husband is so worried about our credit and I am feeling that if we aren't on the same page about this, we will have to separate. Any advice is appreciated!

I am facing possible foreclosure on my home. I live in MI and have read about the HOPE program for people like me. My credit is bad because of my defaulted mortgage payments and the company that holds my mortgage does not refinance. Is there any companies in MI that can help me with this HOPE program? I have looked up FHA lenders in my area and entered my citeria and it brings back nothing available. How can that be? Can anyone help me or am I going to lose my home?

I'm desperate for a loan and really don't think there's an option other than payday loans. Does anyone know if there is such a company or private lender that gives bad credit personal loans?

Hello, I have a small gourmet beef jerky business that has been in operation for a few years now, my problem is getting capital and or a investor to help me with my venture, I have been selling online for a couple years now with pretty good sales,and we sell in our local area at convienence stores,sportsbars.We make a very unique beef jerky and have one of a kind flavors like...PEACH BBQ...WHISKEY GLAZE...HUCKELBERRY HABENERO....PEPPER MAPLE...and more! my problem is my credit is not very good at this time and even if it were with the economy being so bad lenders wont touch me, just would like some sound advice on what to do next,I have a business plan that is almost complete and have done my homework on all potential capital possibilites,

I'm in desperate need of a loan, I don't wanna turn this into some kinda sob story but just want to help you understand my problem. My dad just recently passed away, he was quite young and had only recently started paying into an insurance policy and hadn't made enough contributions for there to be any payout. So basically I have received his funeral bill and I don't know what to do. I can't get a loan from banks or normal routes as I have bad credit due to sometimes being late with my phone bill a few years ago & at one point having to pay it up. I have no other family but I have managed to raise A?1500 by saving from my work & borrowing from friends. Still need about another A?4000 though. Does anyone know of any legit private loan lenders who don't try to get you to send money first. Or even a loan shark? I live in Scotland & I'm getting desperate, these funeral guys are demanding the money or court action, I really don't want my father's funeral to become a debt to me & I don't know what else to do. Please if anyone has any suggestions however small let me know. Thank you.

I need to find a lender that specializes in lending to people who need a little help and don't have any or don"t have good credit.I really need a car but it's so hard to find one without needing money down or good credit.My car is about to break down any minute and I need some money or a car deal quick.I found a site that says guaranteed loan approval,but they ask for your personal info and I'm nervous about that on the web.A phone number is more preferable than an internet site.I just need a little money so i can either get the car I have fixed or put money down on a newer car without getting behind on bills.PLEASE HELP!!!!!Thank you!!!

If a mortgage payment is due on the 1st of each month and there is a 15-day grace period, is it considered bad if the payment posts sometime after the due day but before the end of the grace period?

I looked this up online, and one professional article said that even though the lender won't charge a late fee or report negative credit information, the payment is still late if it's posted after the due date but within the grace period.

However, my lender tried to get me to set up automatic mortgage payments and even told me that I could have the payment withdrawn on the very last day of the grace period.

So, in short, the question is: Just because late fees are not assessed and negative credit history is not reported, is the payment still late if it posts on the 2nd of the month, for example?

Are We There Yet, Are We There Yet?
Let's Check Marx and Engels's List

by Robert Higgs

Reading the news has been exciting lately. Hardly a day passes without the announcement of some new government initiative to save the world. Bail out the mortgage lenders; bail out the big insurance company; bail out the banks; bail out the money-market funds; bail out the commercial-paper sellers; bail out the depositors in belly-up banks; bail out the automobile companies; bail out the deadbeats who didn't make their mortgage payments when they came due. When the Treasury bumps up against its borrowing limits, and interest rates begin to rise on its bonds, bail it out, too, by having the Fed flood the world's credit markets with new reserves created by nothing more than a snap of its electronic fingers. Who knows what industry, special-interest group, or noisy whiners bloc will be bailed out next? With the Fed standing ready to inflate without limit, the festivities need never end.

Of course, our rulers assure us that they will defend the taxpayers' interest like pit bulls. Why, just recently, House Speaker Nancy Pelosi and Senate Majority Leader Harry Reid sent a letter to Treasury Secretary Henry Paulson in which they declared, "We must safeguard the interest of American taxpayers [and also, they continued] protect the hundreds of thousands of automobile workers and retirees, stop the erosion of our manufacturing base, and bolster our economy." Whew! These dedicated public servants clearly do not intend to rest until they've pretty much cured all the world's visible ills, including bad breath and flat feet. If they fail, in any event, it won't be because they were too timid about throwing the taxpayers' money at the problems.

All of which raises the eternal question, have we become a communist country yet? Yes, I know you probably think this question is silly, but I intend to treat it with the seriousness it deserves in the light of past, present, and likely future government actions. To ensure that I do not adopt an irrelevant or tendentious set of criteria in my inquiry, I will consider the question with reference to the list of ten measures that Karl Marx and Friedrich Engels presented in the Manifesto of the Communist Party as "pretty generally applicable" for the establishment of communism "in the most advanced countries." In the following text, I reproduce each of Marx and Engels's points verbatim in bold font (from the 1955 edition of Samuel H. Beer), followed by my own evaluation or commentary.

1. Abolition of property in land and application of all rents of land to public purposes.

Of course, in this country we pretend to have private property in land, except for the huge amounts of land owned outright by governments, especially the enormous federal holdings in the western states and Alaska. But land taxation, land-use controls, and other regulations that trench on the rights of ostensibly private owners have already cut a big slice out of thoroughgoing private property rights in land. As environmentalism marches boldly onward, private property rights in land are likely to be chipped away further and further. Land rents, of course, are taxed along with other property income.

2. A heavy progressive or graduated income tax.

In place. Worse to come.

3. Abolition of all right of inheritance.

Some right of inheritance remains, but estate ("death") taxes have demolished much of its substance. Under the next administration, we might well see renewed attempts to "tax the rich" more heavily by means of increases in estate-tax rates or changes in bracket levels.

4. Confiscation of the property of all emigrants and rebels.

Well, the rebels here are simply shot dead (see encyclopedia entry for "American Civil War"), even if their rebellion takes a muted and inconspicuous form (see entry for "Ruby Ridge"). As for the emigrants, if the federal government believes that it can squeeze a dime out of them after their departure, they will be hounded to the ends of the earth for purposes of legalized robbery (aka taxation). I am not a lawyer, but I notice that the law in this regard appears to be extremely complicated. I recommend that you consult your tax attorney before renouncing your citizenship or even moving abroad without renouncing it. Remember the government's motto: you've got money, and we want it.

5. Centralization of credit in the hands of the state, by means of a national bank with state capital and an exclusive monopoly.

We call it the Federal Reserve System. As if it were not enough, the government is now in the process of taking an ownership position in hundreds, perhaps ultimately thousands, of "private" commercial banks by means of preferred corporate shares gained in exchange for its bailout doles.

6. Centralization of the means of communication and transport in the hands of the state.

Despite PBS, NPR, and other outright socialist media, most of the means of c
I didn't take credit for the composition of this essay. The Authors name is clearly at the top. And apparently you are uneducated about the issues that you ramble meaninglessly about, it doesn't fail on any points. You just need to look into the issues more, including private property. You don't even legally own your own car, just the right to use it.

I'm driving myself crazy trying to figure out what to do. I graduated school at Concorde Career Collge (Medical Asssitant program) realized thats not what I want to do. I want to go to school for LVN. I tried to get into the program at Concorde. The hours are great. I work 40 hrs a week. They told me that after the grants loans etc. that I would need to come up with 11k either find a lender (I have terrible credit) or some scholarships. I can't find either. I heard that at Cypress Community College that there is a huge waiting list and that it is a full time course. So basically I have bad credit,have to work full time and don't have that much money. Does anybody have any ideas on what I can do? Please serious answers only. Thanks.

and would really like to get in on a forclosure home while I still might be able too, basicly looking for a second chance lender that wont rape me too bad....
Yes my credit is atleast a 580 so we are just looking for a lender that handles Michigan and looking at a home under 85k

I have horrible credit. I have a private student loan that someone co-signed for me. Her husband saw it on her credit report and wants it off now. So I need to find another lender that will deal with bad credit and get another loan to replace this one and it has to be done quickly. I've already tried to consolidate all my private loans but it's a no go without a co-signer. So it's just this one loan that I need to get changed. Is there a company that deals with bad credit and private student loan consolidation?

My income is $60,000/pa through a steady job and I can easily make the repayments. However, over 2.5 years ago when I moved house - I left a $200 mobile bill unpaid. In between now and this time I have settled the bill with my old mobile provider. The problem is, even though I've settled the bill ... I still have a black mark against my name on my credit rating which says that while the amount has been paid.. it was well overdue. Because of this, I can't seem to get my personal loan with any of the major banks. Is there any other way I can obtain the loan through any other lender .. the only type of 'bad credit' loan I can find is for people already severley in debt (which I'm not) .. and only seem to offer 'consolidation loans'. Is there anywhere that is likely to lend me the money? Thanks.

I have a credit score around 500. Currently I am the co-signer on my vehicle loan (just how they got it done last time) I want to purchase another used car and get my brother off my current loan. I work full time and have a base salary of 60K per year. I am in MN. Has anyone had any luck with specific lenders online.. Tried wells auto and no luck.. Thanks for your help

I took out a loan on behalf of an ex boyfriend a few years ago, at a crazy interest rate, now I need it gone, the monthly payments are crippling me and the stress is making me ill. I need to borrow A?3500 off someone and pay no (or little interest) and pay the loan back to them personally. Or I need to find a way to earn that money pretty quickly. I have nothing of value to sell, and I already hold down a full time job plus 20 hours a week at a second job....

My credit rating isn't good enough to contact an alternative lender. And the ex boyfriend did a runner 18 months ago, believe he is in spain, i am trying to locate him, as are the CSA but to no avail.

Any suggestions?!

We (thought) purchased a home in 2007. Our credit was a not bad but not enough to qualify for a home loan. The realtor agent offered to take the $21,000.00 down payment, apply it to the purchase and keep the mortgage papers in her name until we qualified and could put the mortgage in our names. Until then she we were to have, papers signed and notarized giving us legal rights. There was always an excuse to not to sign and notarize any paperwork showing us having any legal right. She never authorized us at the bank to have any contact with them for any reason allowing us access or communication with the lender. Even if we wanted to make a payment online or by phone, we could not due to not being authorized.

Now two years later after paying the mortgage she told us she gave the house back to the bank and bank will no longer accept a check from us to pay the mortgage. Tomorrow it goes up for a trustee sale the only proof we have is the $ 21,000.00 payment made to the mortgage co. in the form of a money order. And cancelled checks and debits out of the bank account for the monthly mtg. There was no rental contract or lease agreement because of course we thought it was our home.

What if anything can, we do and what happens to us after the auction sale tomorrow? How long do we have to vacate?

She also has all our escrow paperwork from the sale of a piece of commercial property we sold in October of 2007, which gave her a very large commission, and will not give it to us. This keeps us from filing our 2007 tax return because we do not have the information of the sale. In correspondence the IRS sent us, it shows that for the sale of our commercial property, the escrow company listed her home address with our name as our mailing address to send correspondences and/or paperwork .

When we call her, she just hangs up on us.

Please advice.

hi please i am looking for a wealthy person /private lender one who is looking to render help to a honest to goodness hard working family man who has had some bad luck making payments on this loan is not a problem i just need help as my credit has been damaged i just need to rebuild and reorganize and start over will you please help me i make good money i am self employed i just need to catch a break please thanks b w b

I am located in the central new jersey area. I currently have a credit score between 500 and 550, which i know is pretty low. I am currently looking to purchase a used car in fairly good condition. I have a couple thousand saved up which i could use for a down payment. I want to go to a dealership, but I dont have a co-signer, which I know I will probably be asked for. I heard that there are online lenders that will give you a car loan with bad credit. Can anyone recommend a place where I can get a car loan online or through a bank. Or a dealership in New Jersey that will work me to get a car through in house financing without a co-signer

with the contract stating that I am to obtain conventional financing after 2 years of owner financing. I am now at my 2 years and due to bad credit, I cannot find a lender willing to help. Any ideas?

I start college on October 5th. Im not going too far away from home, but far enough to where the commute to school (4 days a week) would be overwhelming. One of my parents has really bad credit and the other has to much on their credit to get a loan or co-sign. I already have a cheap place lined up to rent, but I cant sign the rental agreement until I can prove I have enough money. Does anyone know if a lender that would approve me alone with only about 7 months of credit and $600/mnth income? Or know of any scholarships/grants for this type of thing? Any ideas would help. THANKS!

I start college on October 5th. Im not going too far away from home, but far enough to where the commute to school (4 days a week) would be overwhelming. One of my parents has really bad credit and the other has to much on their credit to get a loan or co-sign. I already have a cheap place lined up to rent, but I cant sign the rental agreement until I can prove I have enough money. Does anyone know if a lender that would approve me alone with only about 7 months of credit and $600/mnth income? Or know of any scholarships/grants for this type of thing? Any ideas would help. THANKS!
Thanks, but I have already done the FAFSA and it covered most of my school expenses, but there were none left over for housing.
Also, my school is only a 2 year program, so theres no way to compact it but I guess if I could commute 1 year and drive 1 year that would be cool. But then I start to worry that will put a big damper on my college experience and keep me from making many friends seeing ill be so far away.

I'm currently in the mid 550's which is bad, and I'm trying to rebuild it so I can buy a house. What is a preferable credit score that lenders look for? Any suggestions on putting myself in the right position credit-wise to obtain a good loan? (I'm about to pay off a car note at $350/mth and am paying off credit cards that have gone to collections. I know debt to income ratio plays a role in a home loan)...

I was told by several people that they dont take these into consideration, but I want to get the opinions of others. We are trying to buy a house. While my score isn't bad, its not great, but it works. Its only where it is because i've never had any open lines of credit, save for a car loan that has been paid off and a $3000 loan that apears to have not gotten reported at all.... His is bad, 598, but its all because of medical collections, from the same hospital. Despite him giving them all the insurance info, they never submitted it, and now we are having issues.... Anyway, he's got 2 car loans on his report, both never been late, and 2 credit cards that have never been late. Are those medical collections going to impair us?

Victims of mortgage meltdown, bankruptcy and medical bills, trying to dig out from under/upside down

We are currently working on improving our credit but our scores are still poor. The average of our score with all 3 major credit bureaus is around 580 with our highest score 603 and lowest 560. Our house is paid off in full and is valued around $135000. Is it possible to get a loan with our credit score? We do not have any major debt. We do have a credit card that we are using to help improve our credit score which we pay off every month. The only other debt we have are some medical bills. My wife and I both work and we gross around $7000 a month. We are hoping to find a loan so we can help with medical bills due to our child who has a disability and to get him the extra educational help he needs.
I'm know if we could find a lender that would approve us we would be paying a high interest rate due to being high risk. But with us having our house paid off would we still be able to find a lender?
Thank you all in advance for your help!
I am a veteran so I am eligible for a va loan. I'm not sure if that will make a difference or not.
We are in our mid 30's so a reverse mortgage is out. We are only wanting around $25000 give or take. We do not plan on selling our house. We make a decent income, just want some to pay off a few medical bills (about $3000) and want to put the rest in savings for help with our son and a buffer. We plan on doubling up on payments also. We are just kind of in a bind right now. Also the loan will help get our credit back on track. The one thing that is hurting our credit right now is we don't have much for credit. Our vehicles are paid off. Our credit was hurt due not being able to work for awhile and got behind on bills so we had late payments. Was just hoping someone knew if it is possible to get a loan with that low of a credit score with a house that is paid off.
Thank you for the answers!

I have a question regarding credit score. I am delinquent on my mortgage. That means my credit score is probably bad already. So I was wondering if it would make any difference to keep my credit card payments current? I am hoping to get a loan modification with my mortgage lender and build up my credit score. So I was wondering if keep my credit card payments current, would make a difference in my credit score after I get things worked out with my lender? In another words, will it shorten the time to get my credit score back up if I kept my credit card payments current?

chase credit card services

2009-10-30T05:44:00.001-07:00

With more than 156 million cards in circulation and $151 billion in outstandings, Chase Card Services is one of the largest credit card issuers in the United States. Chase is the #2 credit card issuer in the US, ...In the end, my credit score after 15 years of perfect credit, went down 150 points due to the delinquentcy. To some light fairness to them, they did try to contact me by leaving a message from "Card Services". ...One Chase credit card holder provides some insight: AMNY: a�?They're trying to be creative in the ways they can raise revenue,a�? said Ben Woolsey, director of marketing for Creditcards.com, an online research firm. a�?They're either raising ...With Chase Credit Card Services, any card holder is eligible for the free services as long as the account is open and active. There are general services and.Many companies have been providing credit card services for a long time. Chase credit card is one such company that has been providing various details about chase credit card services over the years. The various details about the ...www.chase.com/credit-cards is a Chase credit cards official website. Chase Credit Cards provides online payment via official website. Online Chase Credit Card Payment service is very easy and quickly. Chase bank has introduced how to ...Nearly half of small businesses say they plan to add positions despite the current economic environment, according to a survey released today by Chase Card Services, the credit card division of JPMorgan Chase & Co. ...Open a Chase Bank Free Business Checking Account and get $100 Cash bonus. FREE Checking means no monthly service fee and includes up to 200 transactions per. ... Free Public Enemies Advance Movie Ticket for American Express Cardholders. Just click on the Yello... Sony Credit Card $150 Bonus. Open a Sony Card from June 10, 2009 to June 20, 2009 and receive a $150 card credit after your ... Connecticut Unemployment Rate for June 2009. Connecticut (CT) Unemployment Rate for ...Chase Freedom has long been hailed as the best cashback credit card. The card let you get 3% cashback on gas, grocery and drug store purchases before moving to. ... Gas Stations & Convenience Stores; Pet Stores & Veterinarian; Phone/Cell Phone Bills; Quick Service & Fast Food Restaurants; Utilities (Gas, Electric, etc.) Drugstores; Cable/Satellite TV & Internet Providers; Department Stores; Beauty Salons & Spas; Movie Rentals; Dry Cleaners; Local Commuting; Grocery Stores ...His credit card debt of $64147 included a $27724 balance on a Chase credit card. He also listed $221230 in educational loan debt. The U.S. Bankruptcy Court of the Southern District of Texas has garnished the wages of at least two card ... Goods and services worth up to $500 may be purchased, with a limit of $5000 a month. Holders must be full-time employees and undergo training to obtain cards. The cards can be used for purchases over the phone, Internet or at a store. ...
I need to use my Chase credit card to make a cash advance. I called the customer service number and requested a PIN to be able to do this via ATM in the future. Unfortunately, the PIN will not arrive for 7-10 business days and I need the money ASAP. They said that I can get a cash advance at Chase in person. My question is whether or not I would be able to get the cash advance from another bank, still using the Chase credit card.

Bad CHASE Credit Card service.... I didnt receive my statement for the month of september and me having pregnancy brain didnt realize it until the last minute. I thought I was saved cuz I realized this on the 28th and last months payment was due on the 28th... so I made the payment. Got my new statement today (which is also due on the 28th) and i'm being charged a late fee. I've had this account for years and have always paid on time. I called to see if they can remove the fee since I didnt receive my statement for that month and my previous statement was due on the 28th. I figured i'm a good customer, always paid on time, they'll give me a break... well I was wrong, besides the bad customer service the lady I spoke to said they dont remove fees for any reason. When I asked to speak to a supervisor or manager she said I cannot because they have more important things to do.... hello... isnt this their job?!

Anyways my question is... is there anything I can do? or any other numbers I can call? I called the number on my statement 1 800 436 7966

Any suggestions would be helpful... thank you!

Hi I am 18 and am starting to work full-time so i figured i would start a checking and savings account. I always though you "picked" a bank account and "applied" for credit cards. So i was looking and settled on Chase bank. I went to join online and it said "apply" for the checking account. Is their a reason it says that instead of join. Other banks I have looked at say join? This is my first time so pardon my stupidity, but do they have to make sure you have a job or U.S. citizen or what? The citizen part isn't a problem but I am using a temp service right now and I switch job to job every few weeks. So why does it say apply. Any answers anyone?
to brother: the chase one i looked at said min. to open.. $25

I recently asked Chase Bank for an APR decrease on my credit card. Originally my credit card had been with Washington Mutual before Chase bought the company. When they did, they doubled and tripled many WM costumers APR rate. The costumer service people were very rude when I called and I was very nice throughout the conversation, hoping maybe at the end they would decide to go ahead and decrease it just a bit. Currently it is 29%. Is there any way to get this decreased? I have one other CC with a small limit that I have paid off but due to the small limit I can't transfer it to that one at this time. I also tried to see if I could open a new credit card and just transfer the balance but a bankruptcy about 6 years ago was the reason given for the denial. Any suggestions from anyone?

My new employer only deals with direct deposit if not your issued a payroll card that works like a debit/credit card, i went to the atm this morning, before then I called to check my account and it says the funds are in there but had no sucess at the atm, clalled chase and they told me to bring the card inside the bank, can I do that even though it's not a chase bank?

The bank is chase and I have a credit card with them. I love their customer services. The bank requires the condo have a Fidelity Bond. The bank agent explained a Fidelity Bond is insurance to protect fraudulent acts or theft of the condo's financial reserves. My dad says that this sounds like a complete hassle.

Should I be concerned that my future condo associate have this or is the bank pulling my leg like my dad thinks?
I have not bought a condo yet. I'm looking for one.

I am currently 19 years old and I have a debit card, and two credit cards from Chase. I also have a checking and a savings account. I've had them for about two years. I was only late paying twice (they were a day late each), and aside from that, I pay everything off immediately.
I realized I don't like chase. I despise their hidden charges on my accounts and their unhelpful costumer service.
I want to close down my bank accounts and credit cards and take my service to another bank. Would this have a bad effect on my credit score?!?! What other options do I have if I really want to leave Chase?

So from online Bank of America, I was suppose to pay off my Bank of America credit card but I accidently clicked on to pay a Merchandise which showed up as Chase Membership Services(I have no clue why this appeared under merchandise). How can I correct this error and receive my money back?

The charge amount is 4850.00

i hired a company to preform a service and i used my credit card along with my fathers (he lent me the money to help me out) to pay for this service. Something happened where some damages occurred on his vessel; a law suit ensued.

long story short, i went to small claims and lost the case. once the judgment was passed, the man who preformed the service went ahead and billed my father's CC for the damages. (my card expired since then) well with in the time period for filing an appeal.

now to make things a little more clear, the contract was in my name and not my fathers; in fact it was under my business name. so the man clearly went out of bounds to charge the CC. since then Chase has removed the charges from my father's CC and it has been cleared from his credit report.

It is clear that this man charged with out authorization.

my question is what can my father do? should he file a report with the police? make a report to the FTC? What can he do?
i want to be as clear as i can with out leading to any confusion.

i run a business, i chartered a vessel in September of 2008 and something happened on the vessel. i got sued and lost and have to pay the amount aforementioned above.

in Feb 2009, the man who owns the vessel, charges my dads CC for the damages.

the judgment is against me not my father.

what steps should my father take; he just spent the last 6 months removing the charge from the dispute. why the man charged his CC is beyond me.

so i have a debit card account with chevy chase, and i recently made a credit card with them. i'm using cardmember services to pay my balance. so i hooked my debit card account to my credit so the money can come out when i make payments. apparently i can't do that because i dont have a checking account - it's the checking account that pays the credit and needs to be connected with.

what's the difference between checking and debit? i'm 18 and i don't have many experiences/knowledge when it comes to banking..

ok its from a chase credit card/bank commercial. in the commercial there showing houses sky view in a big city at night and the houses are blue cause they are useing the bank's service and they have the bank logo on. there.

ok the song goes a little like this "o everywhere were home, were home, were home...ooooo"

probably not so clear but yaa jus tell me if you know.

JP Morgan Chase Bank. i opened both accounts with $100 each in Checking and Savings. Now I would like to know how to aviod a monthly service fee without setting up a direct deposite because i get paid cash. I know i have to maintain a balance of minimum $300 in my savings account also i would like to know if a Chase+1 Student Visa Card is a credit card?

I owe almost 4000 dollars on my credit card for like the past year its only lowered about 200 dollars because of the finance charge i have a 22.24% APR. so they charge about 75 dollars in finance and my minimum payment is 110 so i only get credited for 35 not even half which is ridiculous. the point is, is there anyway i can call costumer service and ask them if they can lower my APR?
I have great credit by the way.
and i have WAMU/CHASE

I'm getting a credit card from my local bank, not for rewards but just as a card to use. I know how to use credit cards and all, and I can pay my bills.
But now, which one should I get? The type of card I'm getting comes with either Visa or Mastercard. I've had both with Bank of America and Chase and Wachovia.
Which is better, Visa or Mastercard? Is there really anyway to compare? I'm not going for rewards, and customer service is dealt with from my bank, but does it make a difference?
Which is more "respected" if you may? Which one and why?

Thanks.

I'm getting a credit card from my local bank, not for rewards but just as a card to use. I know how to use credit cards and all, and I can pay my bills.
But now, which one should I get? The type of card I'm getting comes with either Visa or Mastercard. I've had both with Bank of America and Chase and Wachovia.
Which is better, Visa or Mastercard? Is there really anyway to compare? I'm not going for rewards, and customer service is dealt with from my bank, but does it make a difference?
Which is more "respected" if you may? Which one and why?

Thanks.

I am set-up for Chase to e-mail me 7 days before a bill is due. I've been a customer for over 15 years without problems. Last month, they didn't notify me and that caused me to pay late when I suddenly realized that I hadn't paid a bill in 5-6 weeks. They assessed a finance charge of $90 (based on a whopping 28% interest rate). They (agent and supervisor) are stubborn and refuse to reverse even part of the charge. I carefully searched my email and spam folder and there is nothing there so I know I am right and not just making excuses.

What can I do to get the finance charge reversed? Having an alert is really bad because it gives you a false sense of security. From now on, I will put it on automatic auto-pay AND mark the calender and check myself.

The only thing I can think of is to write a letter to the CEO since the supervisor is stubborn. However, the CEO will probably ignore the letter and sent to customer service. If I mailed it to the CEO's home, there's a small chance he'd read it.

Suggestions? (I know how to write a complaint letter-make it simple, to the point, and state what I request).
Another thing I could do is to cancel the credit card and use another bank. That's what I probably do in addition to possibly writing a letter.

I am unable to find information. I have a huge issue with my credit card that customer service was unable to resolve as well as a supervisor. They would not give me any information as to how to e-mail or phone the corporate office. They said I must write a letter...like that is going to do anything. The people I spoke with were extremely rude and they obviously do not care about their customers what so ever. They keep continually charging me an overlimit fee when I am no longer over the limit and say that these are from weeks ago when I went a dollar over. They charged me THREE over limit fees of 39.00 in one month for going 1 dollar over the limit. How am I able to reach someone who actually CAN do something for me rather than treating me like I am stupid.
I have talked to 7 people within the last month and I do not get paper statements :(

I have a credit card through chase bank. I will be going out of town in the next couple weeks and I would like to pay for things while there with my credit card instead of carrying cash around with me. [I have the money so I wont be getting myself into debt and I'll pay it off immediately]
I hate calling the customer service because I can never hear/understand them and I don't like the additional fee you recieve for just talking to them. Is there a way I can request an increase online?
I have a limit of 2,000 right now.

I was at Wal-Mart earlier to pay using this new service that you can pay bills such as (energy bill, credit cards, utilities...etc). I didn't know the received code. But, Wal-mart representative call for me and they gave her a received code of 0628 (supposedly for chase card-member services or Chase).

Wal-Mart print me a receipt. Ok, now it showing "BankOne Credit Card". I don't have BankOne Credit card. It's Chase.

So, i went back in Wal-Mart after speaking with Chase to ask have the received my money. They said, "NO" and gave me another received code.

Wal-Mart talk back to chase. Then Wal-Mart talk back to Money Gram. It takes 3 days to 10 days to get my money back. I said no. I want it now. I gave Wal-Mart cash. Wal-Mart must file to get money back. But, they didn't give me money back. MONEY GRAM supposedly "REROUTED" to Chase received code of 4318.

Now, how can i find out on moneygram.com that it Chase received code is 4318? Or will i ever received my money back or will Chase ever get it?

I've had a Chase rewards card since 2005, never missed a payment or been late. I went to pump some gas using my card and found it was shut off, so, like anyone else would do, I called the company to see what was going on. They told me I didn't pay my bill in May. I looked through my records to find that I never got a statement for May, when I brought this to the costumer service rep's attention she said that I had switched it to an online bill statement. I NEVER DID THIS, AGREED TO IT, OR WAS NOTIFIED OF THIS CHANGE! So now, they've turned off my card, cut my spending limit in half, charged me a $300 late fee, doubled my APR, AND tell me there's nothing they can do about it and it's my own fault problem! I admit I did miss the payment deadline, but after four years of having a statement every month, then THEY decide to switch me to online statements without any kind of notice whatsoever, I don't think this is my fault.

Is the CSR being a jerk, or can really nothing be done about this? Should I try to dispute the charge? How can I handle this to, at minimum, get the $300 late fee taken off of my account?

I've been online shopping but it seems that its hard to get my card to work on some sites. Being this I would have to redo credit information. Now, when I look in my account it says I was charged multiple times for a dress although I received one invoice. I called customer service and the guy told me that I was only charged once so I asked him what about the excess charge? He said that it will be released. When is this going to happen? Do I have to speak to a bank teller?
This is all happening on my Chase debit card.

I'm a college student, and will like to build up my credit. I'm pretty smart when it comes to my finances, so please do not say "Do not get a credit card". I've had a bad experience with Chase mastercard customer service and would like some suggestions on other credits cards. I'm looking for a reliable company that won't give me crap.
Thank you!

Is it Comcast, AT&T Mobile Service, DELL, Chase Credit Cards, or ACS
Private College Loan, or the V.A. Tiger Team who investigates claims from veterans of our country's war. Be objective and give an example.

I got a voicemail from fraud prevention from chase bank, they said they need further information from me. I called back, (the number in back of my card) and was automatically sent to customer service (couldn't even check my balance). My account is on hold until I send documentation of a copy of social security card and also a copy of one of my utility bills.

Did anyone ever have this problem before? They said they will suspend my account without sending this documentation. I had ask if I can have documentation of proof of this and denied me.

*I'm a college student and this is my first credit card.

My Providian/Wamu card used to do this, but now it is a Chase card, and they charge for this service... Is there any way to have free, monthly access to it anymore, the way I did with this card?

FIA Card Services was formerly known as MBNA until purchased by Bank of America in 2006. Despite being owned by Bank of America, FIA services cards for Regions, Chase, etc.... I want to go with a card that 100% has nothing to to with the crooks known as FIA.

Has this happen to you? Two banks that I had a credit account with have been bought by CHASE. I previously banked with them, and had previous credit accounts, which I eventually closed due to what I thought was unfair and poor services. When Chase took over, both of my accounts had their account limits lowered as well as APRs increased to an unreasonable level. I have since paid off both accounts, however the finances charges keep occurring and increasing! I've called them several times to no real assistance. They claim there's nothing they can do.

I had a tow truck show up, and i told the operator, that i was waiting on a state funded DOT vehicle which was free, i told the operator of the truck that i wawasn'taying him, but he insisted, and his papartnertarted hooking up the vehicle, as he climbed into my CAR!!! and i stood telling him , get out!, im not paying you, i did everything in my power to stop these people from touching the vehicle, short of knknockinghem off their feet, which i wowouldever do, as this wawasn't life or death situation.
Afterward, he said if i dididn'tay him, they would take my car to their yard, and i wowouldave to pay for it there.

After rerealizingthat he was essentially holding my car as a hostage to demand payment for a service i wawasn'tilling to purchase, i decided that i cocouldlay dirty as well, i gave him my CC with intentions of disputing the claim later.

On top of that, after they left, they took my keys! and i dididn'tet them back ununtiln hour and a half later after the state police vehicle, which was blacking the road from oncoming traffic chased them down for me.

What will happen when i dispute the charge? What is the process, what generally happens for small amount of money less than 100 dollars? Any information wowoulde appreciated
I used yahoos spell checker and it mess up the text sorry for the lack of spaces

So I had a Wamu Credit Card and as some of you may know they have switched to Chase. When they did this I had to switch to an online payment center through Chase and I entered in my checking account information wrong so I had a returned payment. If I wouldn't have had to switch I wouldn't have had to re-enter my checking account information and the returned payment wouldn't have even happened. So I thought I was done with the whole mess, they gave me back the fee they charged, but then they raised my APR from 10% to 30%! I called them today and she said they raised it because of the returned payment and couldn't lower it until a review was done, which is only done 2 or 3 times a year. My question is should I just switch to a different credit card, or through the suggestion of the customer service woman, write a letter to chase to get the matter resolved?
I had enough money in my checking account to cover the payment I had made, and if I wouldn't have been forced to switch to chase then it wouldn't have happened. Once the problem was resolved I made the same payment, so NO I was not being neglectful in my payment, I ALWAYS made my payments on time for the last 2 years AND made more than the minimum payment, so until you know all the information, you shouldn't judge.

I have a Chase Visa and a Chase Master. And I don't want to deal with Chase anymore. I found their customer service to be awful!

So tell me, what credit card companies would you recommend other than Chase, and why?

I signed up for a chase card 2 years ago at a 0% transfer for 1 year and a FIXED 8.9% after that. After making more than double my payment for the past 2 years I get my statement today and it went up to 12.94. So I called and got the "wonderful" customer service people on the phone and asked. And it was due to a "change in terms". I said what the hell I make my payments and then some and my rates go up. What about all the people that don't make their payments and it goes up. I might as well not make payments either. The lady giggles and says I hear that ALLLLL the time.
Yes I understand that it is legal and that it very much sucks, guess I am venting more than anything. I have paid off 6,000 in 2 years and only have 1500 more to go and I will be credit card free.

I have a Chase credit card and they have really pissed me off. I have been good on payments and never been late but they would not lower my APR and they lowered my credit limit. It has been paid off for a long time but I will never use the card again because I don't want to give a company that has horrible cusomer service my money. will it hurt my credit to cancil the card?
The reason my credit limit was lowered was because I had alot of other debt and I acidentally went over limit once. Which was not my fault, it was another company's fault that charged me for something that I had canciled but the Chase would not be forgiving about it.
It is not the oldest one I have it is actually one of the newer ones. i have a lot of credit cards.

I have had it with pathetic customer service, giving banks free loans long after the fed clears the checks, complaining to the government in order to get my bank to comply with Federal law and having my credit card rate jacked up when I have three times more money in the bank than the limit on my credit card.

I have a good job working for a stable company 5 1/2 years. I have considerable savings. My home is paid for. I am tired of being of getting shammed and treated like dirt. Wamu/Chase, Bank of America and City all stink, especially BOA and Wamu/Chase.

I'm looking for a bank that operates with a win/win mentality, rather than a screw the customer at every opportunity mentality. I don;t want to have to spend hours arguing and complaining to the Federal Government in order to get my bank to correct their mistakes or comply with Federal law.

Can anyone recommend a bank that operates in South Florida and treats their customers with fairness and respect?

Recently JP Morgan Chase has taken over Washington Mutual, and I've grown increasingly aware of the many policies they intent to change as they get rid of everything I once liked about Washington Mutual. They're adding in more fees, they are redoing credit cards to carry the Chase name and higher interest rate, and they are becoming a more globalized company. When I asked the teller at my bank to cash out my Rewards Cash Rebate that has accumulated on my credit card, she didn't even know what it was, but she knew all about the new "rewards points" system they are soon switching to. I had to send a message through their website help center to request my rebate instead, and the message I got back was that it may take one to two months (the next billing cycle) for them to send me a check. At the end of this month, all customer's Rewards Cash is going to disappear and be converted into points. Should I be concerned that JP Morgan Chase is trying to pull a fast one on me? Telling customers they have 30 days before Rewards Cash become worthless points doesn't seem very honest to me. (I think I would rather buy TrendWest vacation shares than continue to use a Chase card.)

I'm really thinking about closing all my accounts at Washington Mutual. I really don't want to invest money into a super bank that just wants to take my money away. How can I find an honest bank that is still convenient (later business hours and easy to find in the Pacific Northwest USA)? What is a good place to invest my savings, even if I'm only investing $50-$100 per month? Where can I get a zero interest visa or mastercard with good customer service, and potential rewards? My credit score is excellent and untarnished. I'm 28 years old and single, and looking to set up a good financial future for myself.

Let me know what you think. I want to make good choices for myself, but most people only seem to know about the banks that are the most heavily advertised and commercialized. Should I consider investing my money into something with more tangible value, because the US currency is on the verge of total collapse? What do you recommend?

Besides WAMU (now Chase) because Chase is removing this feature. Chase is actually removing many features. They wont even send me email alerts anymore because that is not a feature of Chase.

CHASE really SUCKS..lol

Anyway, any help would be great! I loved always having immediate access to my FICO score but am having problems finding another credit card that offers this service.

THANK YOU!!

I currently have WAMU who provides this service but they switched to CHASE and are not going to allow this anymore. Are there any other credit cards who give you access?

I have a chase card and I paid it all off. I'm considering using it for gas from now on and just paying the balance off after it post to the account online so I will never have to pay any interest. You get 3% cash back on gas,groceries, Quick Service Restaurants. Although I only plan to use mine for gas. I only have $13 in rewards now if I get another $12 I can get a free gift card from target, home depot, or macy's. I have an item that I would like to buy from Target this summer for my new baby due in July. Do you think it is worth it to get the gift card? Also do you know of any different cards that do better rewards? I saw a woman at TCP and she had all these gift cards and I said wow your family must give lots of gift cards for the holidays she said actually no I got these for free through my credit card. I can't remember what card she told me but she had a stack of gift cards! I mean probably 20+ cards just to that store and she said she had others too. Does anyone know what this card could be? Thanks.

Ok i've owned an amex gold for a year now have never made any bad credit. dont have a bank account. have always paid for most my stuff in cash not credit. im 26 after a year of making tons of payments way before and on time of even the due date of my amex gold and....

i can't get even an email back when i fill out for a chase visa card... anyone know what the deal is? I'm always been self employed lawn service. etc. now im not. but i still can't believe my credit would not be good enough now to get a Chase Visa.

any help?

i had a credit card with JP MORGAN CHASE. eroneous charges were made to my account that i never authorized or recieved any goods. i disputed with JP MORGAN CHASE for 3 months, and even had a lawyer send a letter of dispute by certified mail. JP MORGAN CHASE agred that the charges were not authorized by me. to rememdy the situation, they closed that account number and reopened a new account number. the thing is, i called them back asking why they closed the account number and assigned a new one, i believe they sincerely hoped that the new account number would resolve the dispute. the charges were still carried over to the new account number!! i finaly talked to a FRAUD officer from JP MORGAN CHASE and he uncovered that customer service had closed the account number and assigned a new on but never completed internal paper work regarding the charges, only the fraud investigator is allowed to close and assign a new account number. since by law i'm not required to pay for charges i never made i stopped all payment. 4 yrs later i get a summons to appear in court for suit from a 3rd party collector saying after repeated letters to me i refused payment. i never recieved any letters from the collector. the "original" creditor they list is FIRST USA BANK NA, which is not true, it was JP MORGAN CHASE. can they really sue me for JP MORGAN CHASE mistake? i would think since that customer service was not authorized to change my account number the new account number and charges are invalid.

In December 2007 I signed up for a clothing store charge card, and utlized this charge card to purchase $300.00 worth of clothing from this clothing store. The charge card is from Chase. In January 2008 I received my first billing statement, and the balance in full owed on the account was $374.97 which consisted of the $300.00 charge and the 24.99% interest. The minimum monthly payment is $40.00. I paid $50.00 via check for the month of January 2008. In February 2008 I received the monthly billing statement which had a balance in full of $406.18 which consisted of the balance in full owed on the January billing statement of $374.97 minus my $50.00 check payment sent in for January which equated to $324.97, and then in addition another 24.99% interest charge of $81.21 which equated to balance in full owed for February of $406.18. For the month of February 2008 I sent in a $50.00 payment via check. In March 2008 I received the monthly billing statement which had a balance in full of $445.19 which consisted the February 2008 balance in full of $406.18 minus my $50.00 check payment sent in for February 2008, and then in addition another 24.99% interest charge of $89.01 which equated to a balance in full owed for March 2008 of $445.19. For the month of March 2008 I sent in a $100.00 payment via check. I then reviewed the language of the credit card agreement, and discovered that the interest they were charging, and the methods in which they were billing me were not consistent with the credit card agreement I had originally signed, and the specified terms and conditions of the credit card attached on the rear of each monthly billing statement sent to me. I then contacted their customer assistance group via telephone to find out why I was being billed improperly. The customer service agent explained that I was being properly billed, and that I owed all of the figures expressed in the billing statement. My attempt to correct this matter with the customer service representative was unsuccessful. I then sent a letter via certified mail with a return receipt to the department that handles disputes such as these for Chase. I have proof that they did receive my letter due to it being certified mail. The letter addressed my concerns of the errors made that were not consistent with the credit card agreement, and the corrections that needed to be made. They never responded back to me in any way, and no corrections were ever made on my account. In April 2008 I received the next billing statement which had a balance in full owed of $431.45 which consisted of the balance owed for March 2008 of $445.19 minus my $100.00 check payment which equated to $345.19. Then in addition a 24.99% interest charge of $86.26 which brought the balance owed in full to $431.45. For the month of April 2008 I sent in a payment of $100.00 via check. For a second time I sent another letter to the appropriate address and department of Chase to dispute the billing on my account that was not consistent with the credit card agreement, and the terms and conditions specified on the rear of each billing statement via certified mail with return receipt. I have proof that they received the second letter as well. Even though I disagreed with Chasea��s billing practices on this account I kept making payments because I wanted to pay off the debt, and not let them negatively impact my credit report. For a second time they never responded back to me, and no corrections were ever made on my account. I reviewed the language of the credit card agreement, and the terms and conditions specified on the rear of each billing statement several times to ensure that I didna��t misinterpret the information. I discovered that I was correct all along. In May 2008 I received the next billing statement which had a balance in full owed of $414.28 which consisted of April 2008 balance in full owed of $431.45 minus the $100.00 check payment I had sent in for April 2008. Then in addition an interest charge of 24.99% of $82.83 which brought the balance owed in full to $414.28 for the month of May 2008. I sent in a payment of $100.00 via check for the month of May 2008. In June 2008 I received the billing statement, and it specified that the balance in full owed was $74.97. I thought it was quite strange that the balance from the previous month showed that I owed $414.28, and knowing that I had only paid $100.00 for the previous month which meant that there is a figure of nearly $300.00 in question on my account. I called the customer service group for Chase, they reviewed my account, and stated that the balance owed of $74.97 is correct. I rebuddled back stating that the previous montha��s billing statement stated that I owed $414.28, and that I made a $100.00 payment for that previous month. She stated that she didna��t know why that billing statement stated that I owed $414.28 for the previous month. I sent in a payment of $74.97 via check for the month of June 2008 to pay the balance off
in full. At that I point I had forgotten about the matter, and did not receive any billing statements for the months of July 2008, and August 2008. However, the $74.97 check payment I had sent in for June 2008 never cleared the bank, and apparently was never applied to my account. In September 2008 I received several bill collector telephone calls in regards to collecting a $234.97 balance owed for Chase Credit Card Services. In September 2008 I also received a new billing statement which show a total balance of $234.97 owed. I knew something was very wrong with this matter. The $234.97 balance consists of the $74.97 originating from June 2008, and late fees each for not receiving the $74.97 payment in June, July, and August of 2008. I contacted the customer service group and explained the matter, the customer service agent applied a credit reversal to my account for the $74.97 check payment I had originally sent in for the billing statement of June 2008 in June 2008.
The credit reversal consists of an artificial credit being temporarily applied to the account for a payment sent in that was not originally applied to the account until a new payment for the same amount is sent in and applied to the account. In September 2008 I sent in another payment via check of $74.97 as per instructed by the customer service agent. On this check payment I explicitly wrote account balance paid in full Accord and Satisfaction. In October 2008 I received a new billing statement which showed I owed a balance of $143.93 for penalties, and interest. The statement for October 2008 showed that the $74.97 check payment was applied to my account for September 2008. However, there was still $143.93 owed on the account for penalties, and interest. I sent another letter via certified mail to dispute this matter to the appropriate department, and address in October 2008. I have proof that this letter was received. In the letter I specified that I consider my account paid in full
explained all of the phenomena that occurred in regards to my account, requested that they undue any negative adjustments or applications made to my credit report originating from this account, and commanded that they never contact me ever again. In November 2008 I received another billing statement showing that owe $183.12 for penalties, and interest on the account. I disregarded the statement because they never contacted me back to address the letter I had sent them to dispute the billing on my account. Now, in December 2008 I have received noticed from them via a letter that any further charging privileges on my account have been revoked for any reasons such as returned payments, payment history, account delinquency, and total debt owed. The letter also specified that this decision was based in whole or in part from information received from the credit reporting agency known as Experian. The letter also specified that I owe all applicable fees, and finance charges
Keep in mind that all charges on the account originate from December 2007 and total $300.00. I have paid $474.97 for this $300.00 charge to the account from December 2007. Three days ago I received a copy of my credit report and discovered that my credit report, and score has been tarnished from all of this phenomenon that occurred from Chase Credit Card Services. What can I do to remedy this matter? In your opinion what should I do? I have sent them correspondence letters in regards to my account on different occasions, and no action or response was taken from them whatsoever. I did in fact pay the balance on my account. I feel as though the account delinquency was artificially orchestrated from them so that they can collect more interest and penalties.

In December 2007 I signed up for a clothing store charge card, and utlized this charge card to purchase $300.00 worth of clothing from this clothing store. The charge card is from Chase. In January 2008 I received my first billing statement, and the balance in full owed on the account was $374.97 which consisted of the $300.00 charge and the 24.99% interest. The minimum monthly payment is $40.00. I paid $50.00 via check for the month of January 2008. In February 2008 I received the monthly billing statement which had a balance in full of $406.18 which consisted of the balance in full owed on the January billing statement of $374.97 minus my $50.00 check payment sent in for January which equated to $324.97, and then in addition another 24.99% interest charge of $81.21 which equated to balance in full owed for February of $406.18. For the month of February 2008 I sent in a $50.00 payment via check. In March 2008 I received the monthly billing statement which had a balance in full of $445.19 which consisted the February 2008 balance in full of $406.18 minus my $50.00 check payment sent in for February 2008, and then in addition another 24.99% interest charge of $89.01 which equated to a balance in full owed for March 2008 of $445.19. For the month of March 2008 I sent in a $100.00 payment via check. I then reviewed the language of the credit card agreement, and discovered that the interest they were charging, and the methods in which they were billing me were not consistent with the credit card agreement I had originally signed, and the specified terms and conditions of the credit card attached on the rear of each monthly billing statement sent to me. I then contacted their customer assistance group via telephone to find out why I was being billed improperly. The customer service agent explained that I was being properly billed, and that I owed all of the figures expressed in the billing statement. My attempt to correct this matter with the customer service representative was unsuccessful. I then sent a letter via certified mail with a return receipt to the department that handles disputes such as these for Chase. I have proof that they did receive my letter due to it being certified mail. The letter addressed my concerns of the errors made that were not consistent with the credit card agreement, and the corrections that needed to be made. They never responded back to me in any way, and no corrections were ever made on my account. In April 2008 I received the next billing statement which had a balance in full owed of $431.45 which consisted of the balance owed for March 2008 of $445.19 minus my $100.00 check payment which equated to $345.19. Then in addition a 24.99% interest charge of $86.26 which brought the balance owed in full to $431.45. For the month of April 2008 I sent in a payment of $100.00 via check. For a second time I sent another letter to the appropriate address and department of Chase to dispute the billing on my account that was not consistent with the credit card agreement, and the terms and conditions specified on the rear of each billing statement via certified mail with return receipt. I have proof that they received the second letter as well. Even though I disagreed with Chasea��s billing practices on this account I kept making payments because I wanted to pay off the debt, and not let them negatively impact my credit report. For a second time they never responded back to me, and no corrections were ever made on my account. I reviewed the language of the credit card agreement, and the terms and conditions specified on the rear of each billing statement several times to ensure that I didna��t misinterpret the information. I discovered that I was correct all along. In May 2008 I received the next billing statement which had a balance in full owed of $414.28 which consisted of April 2008 balance in full owed of $431.45 minus the $100.00 check payment I had sent in for April 2008. Then in addition an interest charge of 24.99% of $82.83 which brought the balance owed in full to $414.28 for the month of May 2008. I sent in a payment of $100.00 via check for the month of May 2008. In June 2008 I received the billing statement, and it specified that the balance in full owed was $74.97. I thought it was quite strange that the balance from the previous month showed that I owed $414.28, and knowing that I had only paid $100.00 for the previous month which meant that there is a figure of nearly $300.00 in question on my account. I called the customer service group for Chase, they reviewed my account, and stated that the balance owed of $74.97 is correct. I rebuddled back stating that the previous montha��s billing statement stated that I owed $414.28, and that I made a $100.00 payment for that previous month. She stated that she didna��t know why that billing statement stated that I owed $414.28 for the previous month. I sent in a payment of $74.97 via check for the month of June 2008 to pay the balance off
in full. At that I point I had forgotten about the matter, and did not receive any billing statements for the months of July 2008, and August 2008. However, the $74.97 check payment I had sent in for June 2008 never cleared the bank, and apparently was never applied to my account. In September 2008 I received several bill collector telephone calls in regards to collecting a $234.97 balance owed for Chase Credit Card Services. In September 2008 I also received a new billing statement which show a total balance of $234.97 owed. I knew something was very wrong with this matter. The $234.97 balance consists of the $74.97 originating from June 2008, and late fees each for not receiving the $74.97 payment in June, July, and August of 2008. I contacted the customer service group and explained the matter, the customer service agent applied a credit reversal to my account for the $74.97 check payment I had originally sent in for the billing statement of June 2008 in June 2008.
The credit reversal consists of an artificial credit being temporarily applied to the account for a payment sent in that was not originally applied to the account until a new payment for the same amount is sent in and applied to the account. In September 2008 I sent in another payment via check of $74.97 as per instructed by the customer service agent. On this check payment I explicitly wrote account balance paid in full Accord and Satisfaction. In October 2008 I received a new billing statement which showed I owed a balance of $143.93 for penalties, and interest. The statement for October 2008 showed that the $74.97 check payment was applied to my account for September 2008. However, there was still $143.93 owed on the account for penalties, and interest. I sent another letter via certified mail to dispute this matter to the appropriate department, and address in October 2008. I have proof that this letter was received. In the letter I specified that I consider my account paid in full
, explained all of the phenomena that occurred in regards to my account, requested that they undue any negative adjustments or applications made to my credit report originating from this account, and commanded that they never contact me ever again. In November 2008 I received another billing statement showing that owe $183.12 for penalties, and interest on the account. I disregarded the statement because they never contacted me back to address the letter I had sent them to dispute the billing on my account. Now, in December 2008 I have received noticed from them via a letter that any further charging privileges on my account have been revoked for any reasons such as returned payments, payment history, account delinquency, and total debt owed. The letter also specified that this decision was based in whole or in part from information received from the credit reporting agency known as Experian. The letter also specified that I owe all applicable fees, and finance charges.
Keep in mind that all charges on the account originate from December 2007 and total $300.00. I have paid $474.97 for this $300.00 charge to the account from December 2007. Three days ago I received a copy of my credit report and discovered that my credit report, and score has been tarnished from all of this phenomenon that occurred from Chase Credit Card Services. What can I do to remedy this matter? In your opinion what should I do? I have sent them correspondence letters in regards to my account on different occasions, and no action or response was taken from them whatsoever. I did in fact pay the balance on my account. I feel as though the account delinquency was artificially orchestrated from them so that they can collect more interest and penalties.
No, this is not a joke!

I want to know who and where would I address a letter to if I had complaints about my Chase Credit Card and needed to reach some one other than the customer service reps. Thanks.

Specifically, I'm asking about Chase.

They recently increased the minimum payment percentage from 2% to 5%. To keep a reasonable minimum payment, cardmembers have to accept a higher APR and a lower term than Chase originally agreed to.

We had an offer of 5.99% for the balance of the loan that was available through 11/27/08. By 11/28/08 Chase was forcing their cardholders into a 7.99%, 24 month term loan...either that or more than double the monthly payment with a monthly service charge added.

Within the terms of the fine print I'm sure what they've done is "legal", but it isn't right. (In fact, it seems like a clear cut case of "bait and switch" to us.....)

I'm just curious - has anyone else experienced a change in terms with their credit card company because of the volatile market, and have you successfully negotiated with them to maintain the terms of their original agreement?

If so - HOW?
OC1999 - Chase did not recognize a "right to opt-out" - hence the crux of our complaint. I appreciate your advice, and it is sound advice. Unfortunately Chase doesn't adhere to such "rights".
Aha! I did find out where to file consumer complaints:

www.ftccomplaintassistant.gov

There is a link on this same page to complaint forms filed by military personnel. But to anyone who believes that their creditor is in violation of FDIC policies (as Chase was when they failed to give us the right to opt out and maintain current terms), then here is the place to go for help.

this is in relation to a question I asked yesterday... Anyway I need to know if that will mess up my credit at all. I have a $1600 balance right now with 18.99%APR which really sucks... So its a Chase card, and basically what they do is if you have some sort of life changing experience or whatever (I was out of work for weeks because of a bad car accident), they can take off finance charges for 3-6 months. I think the service is only around 99 cents a month but I'm not 100%. I used it once before when I moved. Is this what brought my APR up in the first place? Am I better off just paying whatever finance charges come my way?

hey guys... a few months ago i was checking my credit... and i noticed chase (my credit card) has files a late payment on my card for april. Now when i called up.. that month when i knew i was going to be late... because things got screwed up with my paycheck, i informed the Customer service rep that, and would it be ok if i made the payment in 2 weeks it wont get reported will it, i was informed no...

so i called up when i noticed it back in june, and spoke to someone, and they said that they would fix it, because the understand what happened...

Well i checked today, and bam... still not updated.. still that yellow mark in april...

so, i called back today and they said tehre was nothing they can do...

i filled a dispute with equifx... but i dont know what else to doo...

how bad does this affect my profile...

i have 2 credit cards...one from 2005 and one from 2006 all perfect payments except that one..

i have a car loan i got last year with all perfect payments

i want to buy a house but i dont want this to kill my score...

what are my options here?

I have a Circuit City Store card and I can no longer check my rewards or balance on the Circuit City Credit/Reward site.

It no longer recongize my seperate logins/passwords except for the one use for chase. So instead of the reg. site it goes straight to chase which does not keep my store credit card credit and reward on file.

Anyone else has this problem? I just want to see my store card balance and reward history. That's all. Their stupid site doesn't work with their dumb update.

Chase Customer Service is a aggravating, they tell me to contact Circuit City and they in return said to talk to Chase.

I have a card with Chase and have been paying off the balance regularly through my bank's automatic payment service. However, since earlier this year, Chase has been changing the due date back and forth therefore rendering my monthly payment late. Of course they then charged me late fees. I was on the phone with them for many hours trying to get them to take off the charges since I indeed have been sending payments on the same date every month to them. But you know that would never happen. I am just wondering if this is not some kind of grab money scheme the play to get us even more in debt.

I want to open a personal checking and savings account...Which one of all the popular banks out there is the best one for this? and why?
Bank of America? WaMu? Citibank? Suntrust? Wachovia? Chase?
Help please! I don't want to screw this up!
Please share good or bad experiences with costumer service (if you want).
Best credit cards? Best savings plan? Most amount of locations? Benefits? Best online banking website? e.t.c
Thank you in advance!

I have had a Discover card for 7 years and still enjoy using it. It is the only credit card I use. They offer 24 hour telephone customer service with agents here in the United States that speak clear english. Many other companies like Chase and Citicards have their call centeres in India and don't have 24 hour customer service.

The major problem I'm having is that fewer and fewer merchants take Discover Card. Many restuaratns don't accept it. Even national chains like Jamba Juice, The Coffee Bean/Tealeaf and Il Fornaio don't take Discover. Rather than have two credit card bills per month I would rather pay cash than use my Chase Visa card. Three out of 4 times I end up paying cash for my meals out becuase they don't take discover. Two local movie theater chains near me AMC and Pacific only take Visa,Mastercard and AMEX.

When buying a ticket online with Virgin America they don't take Discover. I ended up flying Southwest Airlines instead bacause they take Discover and I don't want to use my Cahse Visa card.

Will Discover go out of bussiness or disapear beacuse of their small market share. Many people act as if Discover Card does not exist.

The reason I applied for one in 2001 is because Visa and Mastercard turned me down numberous times and Discover is the only company that approved me.
My bank ATM card is not a debit card. My ATM card does not have a Visa or Mastercard logo on it. My little independant bank does not offer debit cards. Only ATM cards to withdraw money.
My bank ATM card is not a debit card. My ATM card does not have a Visa or Mastercard logo on it. My little independant bank does not offer debit cards. Only ATM cards to withdraw money.

capital one credit card

2009-10-30T05:40:00.001-07:00

I was denied several months ago for a Capital One business card. I needed this extra credit desperately for my small business. One of the reasons given was that credit could not be approved because of "worsening economic conditions in ...Credit cards offering airline miles have become very popular over the years, but, as Capital One has so effectively communicated with their commercials, the limitations and restrictions can be significant. When taking a trip, ...Capital One Credit Card Review : Capital One Credit Card Login or Sign in, Online payment and Customer Service Number Capital One Credit Card is known as one of the most important providers of visa cards in the world. Capital One Credit ...Payment-Times.com - Everything associatiated with payments and payment processing.Authoritative internet-edition about electronic finance, ecommerce, payment systems, internet- banking, hyip and about virtual economy on the whole. Only latest news, relevant articles, excusive interviews. ECJ - learning more about ...what if this was a one time thing? i paid my bill in full but im worried since it's my first credit card bill that i am off to a bad start. i am normally a perfectionist and pay everything on time. could this affect my credit score if ...When Wally first got his Capital One credit card, the interest rate was 12 percent. Then they raised it to 22.9 percent. Now they're going to raise it againa��the day after Christmasa��to 25.9 percent. Wally writes, "I am a good customer ...Capital One shares jump on 3Q profitBOSTON a�� Shares of Capital One Financial Corp. surged Friday after analysts raised profit expectations following the credit card issuer's third-quarter earnings, which easily beat Wall Street ...BOSTON a�� Shares of Capital One Financial Corp. surged Friday after analysts raised profit expectations following the credit card issuer's third-quarter earnings, which easily beat Wall Street forecasts.Credit card offers from Capital One kept coming in, even as the financial system was in melt down. Consumer credit is now falling as customers wake up to a mountain of outstanding debt. But the recession has been lingering around for ...
My wife had a capital one credit card for 300 limit. We didn't max it out, but couldn't afford to make payments on it, and it has racked up to 700. She got a summons today she is being sued for 710, plus 5% interest. We don't know what to do. She is the only one working right now, I am hurt and cant work. I know we owe the money, and if we had it we would pay it. any ideas? I don't have anyone to borrow the money from. I have thought of all obvious solutions.

I had a credit card from Capital One around 3 or 4 years ago, paying on time every month. I lost my job about a year ago and couldn't make payments anymore..Well earlier tonight I was visited by the sherriffs office with a form saying I was being sued by Capital One..I'm still out of a job ( I live in a small dead town). I need advice on what to do..I'm supposed to submit a defense on why I hadn't made payments. I have friends telling me not to worry about it since I have no income coming in, they can't do anything about it...don't think I should be taking their advice though..
My question is whats the worst they can do to me since I have no income coming in and I have no property worth that much...

I am being sued by Capital One for a credit card debt less than $900. What can I expect in court?? I have absolutely nothing to my name except student loan money (no house, no car in my name, no fancy electronics, etc...) I have a pre-paid credit card, can they freeze or take that? I do prepaid because I'm tired of fees that bank charge you. I don't plan on not going to court because I hear the best thing to do is show up.
Can I be sent to jail?

Please only knowledgeable answers!
How do I prove to them that I have nothing? I can't even afford to hire a freaking lawyer!! I'm a student and that's about it. No job either.

i got this prepaid Debit Card and today i called the Company that Said they would Help Me With my Debit Card because they Sent me a letter in the Mail i Have a Credit Card with Capital one and i haven't Paid it so The Company Said that They worked With Capital one and they Said that They Could Lower the Amount So i Said Great and the Person said that There Going to Take out $154 on the 4TH OF November
so i just Happen to Look online and there Are people saying that These People Scam Them and That They Said that They Would Help Them but just Took the Money out of there Account... my Problem is that i Get a Check Direct Deposit On the 3rd And i Can't Cancel the prepaid Card Because if i do i will not be able to get my money so what Should i Do

please help

i need cash asap
anybody knows>?

Even though I don't use it. For example, this month it says my balance is $.50 even though I haven't used it at all. Do I always have to make some sort of payment? Will it give me a credit for when I actually do spend the money? Thanks

It's a capital one card

I had a few loans out through my significant other, one small one that i used for a car about $6,000, one larger one for about $28,500, and then we had some combined stuff to do around the house, etc, so that was a home equity for about $30,000...all in all those were gotten about a year or two fairly closely together though, and they all started out as lines of credit, fixed interest rates.

We both kept making payments on time, and were on great terms, then this whole credit crisis hit...our credit cards, some of them, the limits got slashed, one or two just closed.....then two of these lines of credit became variable rates...and then if that wasn't enough, they reduced the terms from lets say 6 and 8 years down to 5, just like that...

and just today I found out that they're freezing them, the two of them, and they're no longer lines of credit just simply loans..which totally eradicates drawing more on it lets say at a later date.

So now I especially am very angry, because I feel like we're being messed around by these banks just because they "can," even though we have good if not great credit, make our payments on time, and that's actually not THAT bad of outstanding debt being that it's not all under one person's name.

it's just ridiculous though. We've been paying them down, and we still have alot of other credit available that we NEVER use, and income is good..everything is good.

So now I'm depressed, becuase in the last year, with all this slashing, it put a serious dent into being able to withdraw espeially for necessary things like health bills.

So as of right now I want to know what the best option would be?

Should I just let things go how they are, or should I try a different bank and then just consolidate a few into one bigger loan, or try to get a line of credit and just transfer over and pay off the, forgive my language, cr@ppy loan deals we now have?

Another concern is, with this outstanding debt, which isn't astronomical but it's still quite a bit...

will they be less likely to approve, especially if it's secured? Does going in person help any..rather than just over the phone and internet, and perhaps putting up a collateral or securing it with something might help?

The thing is, I used personal lines of credit to have as a safety net, just in case emergencies come up, I mess up and over spend,, or whatever financial crisis may arise especially in THIS economy, and it's something that you pay down but can also reach in if you need it.

IT's great for rescues, but now banks are seriously cutting that down, and well....not much is available.

So I'm very upset over it. I mean I can understand the economy being bad but...these banks aren't even giving out notices ahead of time to WARN us about changes@!

They NEVER notified us about this recent change where they're just becoming loans and not lines of credit which we got APPROVED of.

no letter in the mail, just happened.

This is all by the way, BANK OF AMERICA!

the other one is with capital one, and they're fine thus far.

is bank of america just a bad place to do business with?

They even treat their LOYAL customers like dirt and we've been banking with them for a long time now!

Very depressing I'll say.

What are our options? I don't want to go into some debt consolidation thing either because I can totally pay off the bills from the loans etc, tey're not that much considering they're spread out for many years, and they serve a great purpose to withdraw money from if they're lines of credit.
also, once the banks do this, are these permanent changes or can they be subject to change? Bank of America's reasoning was : well we just don't DO lines of credit anymore.

Fine, but why should we then bank with them?

It's our money too we're paying back, so why pay under one bank's conditions & terms you don't agree with.

If another bank is more negotiable and nice to their customers & offers better rates/plans.....then...why stick with bank of america?

They seem very blase about actually working with you. IT's more like...this is what we offer, this is not, take it or leave it GOODBYE, no care about good customer service or a good payment history NOTHING.

I feel like a number and they treat you almost condescendingly.

Well why do banks offer these services...if they later complain that people shouldn't be USING THEM? It's a catch 22, if no one used them...their businesses wouldn't be as successful.

Banks, what's the deal!?

I recently turned 18 and would like to start building credit.

I don't have a bank or checking account, I don't have a job yet, but my mom will be paying it off till then, and I am not in school(overcrowded)

So whats is a good credit card for a first timer, is capital one a good chose, oh and what should I look for in a card(i.e.no annual fees)
Oh and I dont really need rewards like air points or whatever they're called.

I have a credit card with Capital One. I recently lost my job, I'm about 40% over the limit, and have been making payments under the minimum requirement. I completely understand them calling me, TO A POINT. I have received an average of about 15 calls a day, and it's been going on for literally months. Yesterday for example, I received 17 calls from them, and it's not even the 17 times I'm upset about, it's the fact that they started their calls at 5:17am. Then again at 5:32, 5:57, 6:32, 7:29, 8:40, and so on. I know that according to the FTC, they may only call between 8am-9pm, and so I'm assuming they're breaking the law? If so, can I sue them for harassment?

i left my husband today. i left him and traveled 85 miles back to my parents house. i tried but he never cared. i feel kinda sad, and kinda like crying , but i dont want to cry . i dont want to hurt myself anymore. whats next? anyone else leave their husband? how does divorce work? where do i go? also he opened a credit card under my name, how do i make him pay for what he spent. he maxed it out and never payed it off. now i owe 900 to capital one. what can i do?

if economic recovery has truly begun all the companies that got bailout funds (aig, gm, chrysler, bofa, etc etc) should return the bailout funds 100%. This is just not the case.

And after taking bailout money to balance their own books, banks like Chase, Capital one, etc etc boast of making profit. And that makes wall street happy. But in reality that is no true profit. It is just fooling everyone -- like Bernanke and Obama advisors do.

And even now Obama aides say he is preparing a second bailout package for small banks which is up to $5 billion. Despite all this bailout stuff, 105 banks still failed and had to be shut down by FDIC. And 413 more banks are on "danger of closing" FDIC list.

Foreclosures, credit card delinquencies, and loan defaults are rising sky high and everyone is in debt till their eye balls. How then does Obama and his circle say, "recession has ended", and "recovery has begun"?

i want to build my credit and capital one is the only card that accepted me... its a simple 200$ limit should i keep it...?

I had received a capital one credit card in 2008. It had a limit of $250.00 on it. Well, I made li$15.00 per payment. So I payed $30,00 altogether. Well, I didn't have the money to pay for it, so I didn't contact them. Well here it is 2009 of October and I received a letter from the company's lawyer saying the are going to sue me for $700.00 plus crude interest. I don't understand where the $700.00 came from. I want to know if I can stop the court process and just pay them $700.00 and then pay off the interest in increments? Will I go to jail? How can I fix the issue so I don't have to go to court, because I don't want them to garnish my check, when I finally do get a job. What should I do?
Thanks
If I pay them the full $700.00 do I have to payed the accrued interest up front?
No I do not have any subpoenas.

i am over the limit on one of my capital one cards. i am NOT past due and am still making payments. they have placed me in collections for being over the limit ( my credit limit is 500 my balance is 589.64) and are saying they are going to charge off my account as bad debt, is that legal?

we put maybe $9k or so on our personal credit cards, and we plan to own and run the LLC 50/50 just us 2. Is the $9k considered our initial capital investment for purposes of completing our Operating Agreement? We just filed the LLC today, we started the business 60 days ago and have spent $9k of credit cards to this point. We expect to spend another $2k then we will be able to use operating profits to pay them back and run the business going forward. So thoughts on the capital investment would be appreciated. Thanks!!

There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the "date of last activity"? All I see is the open date and last reported date. The last reported date can't possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

Hello, I've just received a letter from capital one stating that the interest rate on my credit card will be increasing from 29.9% to 39.9%! Is this even legal? It just seems that this amount of interest rate is ridiculous. I will be of course cancelling my credit card and finding a new one, which leads me to my second question:

My credit score is quite good but I have only lived in the country for 2.5 years. Someone I worked with said that you need to live here for at least 3 years before being able to get a decent credit card. Is this true?

Hi! I've defaulted on a Capital One card and it is now with a Debt Collections Firm. I cannot pay the full sum they're Demanding (including their so-called "payment plan").

HOWEVER *On a Mastercard that I am now in good standing with but was formerly overlimit on (but not in collections) The Mastercard rep mentioned that if I continued to make payments on that card -even if it didna��t meet their minimum request, that her employer could not send me to collections or take any other type of legal action.

*Does this rule apply to Capital One card *Collections? Even though it's in collections (threatening legal action),

IF I MAKE AN ONLINE PAYMENT TO THE CARD ORIGINATOR, CAN THE COLLECTIONS FIRM STILL PUT A LIEN ON MY CHECKING ACCOUNT?

Thanks for your advice!

I have a credit card with Capital One. My payments are due on the 19th of every month. I made it a point not that long ago to log on my computer ONLY to pay my credit card billl. And I paid more than the minimum. Now I log onto my Capital One account and I have a late fee of $40. I checked my bank account and my payment never went through, but I remember the Capital One site saying it had posted... but I don't have record of it, because I had never had any problems with it before.

I KNOW that I paid my bill on time. What is going on here? I have never been late on a payment, do you think I could get the $40 fee removed?
I don't own a printer, Ryan.

i have applied for like capital one cards and other major cards but didnt get approved because of lack of credit
i want to get a real credit card not the one where it is like a debit card and linked to your bank account

I have about six credit cards, all with limits between $2k-$7k except for one which has a limit of only $500 AND it has a $39 annual fee. I pay off my cards completely each month so I never carry balances, but having a card with such a low credit limit (they will not increase the limit although I've had it a couple years, and Capital One won't take requests to increase the limit) irritates me when the others always increase my limit. I have always paid on time. Should I...

1. Just ask them to remove the annual fee, or else I'm closing it
2. Just ask them to close it
3. Still request a credit line increase anyway

How does closing one card affect your credit score? I'm not looking to make any large purchases for several years, at least 3-5, so I'm not too worried about any short-term effects.
Thanks patrick!

I have been waiting for over a month now for my Capital One card to arrive and it still hasn't. Half the time I call their customer service line, the employee says that the system is updating so I should call back in 2 hours. Instead I call back in 10 minutes and find someone who actually wants to talk.
I am thinking of cancelling my card and hoping that someday I actually get my $300 back.
They had such wonderful television commercials in the past, so you begin to trust that this is a reputable company. I don't think so anymore! The reviews I have read on the web are terrible also!
Could everyone select "Report Abuse" for that second message? Here I am asking a legit question and using up points doing so, only to get spammed.
Thanks, the spam is gone!

okay... i don't have great credit but it is not at the bottom of the barrell either....... it is 622

i tried capital one and was declined.....

is there a company that will issue you an unsecured card at my score??

new credit card account (open)

I got declined for Capital One, what other ones are good?

I am 18 years old, and i am thinking about applying for my first credit card through Capital One. The only problem is I don't get how a credit card works. When i get a credit card, do I get a certain amount a month, and pay a certain amount monthly, and then every month it starts over. or is it a totally different thing?

Also, can I apply for a credit card, and when it gets sent to me in the mail, if i decide when i get it that I dont want it, will that affect my credit?

I no is harsh but im 18 i go to college here in the uk and i work part time and i work hard if i must say and i earn A?81 a week exactly and my mum id disabled and works part time and then there is my sister she makes me sick she has a two bedroom house all paid for by the government and she get Her benefits all paid for by us, then her car broke down so my mum who is disabled went and took her to renault and bought her a brand new car i mean come on why did u need that A?13000 car no the reason she that was coz she cried any way the arguemt was today when my mum received her first ever card from capital one they give her A?1200 limit my sister got wind and took my disabled mum all the way to the shopping centre and yes when she was there my mum let her use it and even had the cheek to ask for A?10 for petrol, nayway what im saying is she only came round coz she new she had the card but what im saying is she is a ponce does anyone agree also i got my card in august and my sister used A?900 without me non now i got bad credit and cant get any thin i tried to warnmy mum and she tells me to not get involved but i no my sister she will rinse her dry

so now im in dept and she`s going for my mum what can i say or do my mum has warned me not to get involved but she will be in dept has she has got brilliant credit rating , except she wont with that benifit scronger hanging around any options ??
im not jelous neither i just care
if i would report her to the police i would probly have no where to live

I have bad credit, but I managed to purchase a new car with a high interest rate. My auto loan is through Capital One. The credit card offer is from Capital One because I've made timely payment to them on the loan for 1 year. Would accepting the card help raise my FICO score or hinder it? I thought that applying for new credit cards lower the score.

okay so a few years ago i got a capital one credit card and ran into some hard times and had to use it to pay bills and stuff so anyways i wasn't able to pay them back and it went to court and i got a judgement. the whole thing was finalized towards the end of last year...so anyway i just opened a new bank account about a week ago and deposited a 2300 check. because of the judgement will they take my money from my new account?

We received a letter saying that he was being sued by Capital One for a debt owed. His credit limit was $300, but they're saying over $700 is owed. I've done a lot of research on this, and some people are saying it's illegal for them to do so and whatnot. But anyway, his court date is tomorrow morning and we're a little unsure about what could happen. He does not have an attorney. What are the normal court procedures? Can someone give us some advice on how to handle this tomorrow morning?

Thanks for your help!
Jack - There's not much more to the story then what's above. I was pretty shocked myself - it happened over a year ago, and about 4 months ago he received something in the mail saying they were suing and that he needed to go to court.
Of course it should've been paid, but bad decisions were made and now we're in this predicament.

I was raised with the idea that credit cards are bad and lead to even more debt. So, I don't own any credit cards. I merely have a checking/savings account. I was formerly in the military so I've never been in a stable residence. My husband wanted to get a new car but his credit score was in the 600's and he had some loans out so they said he would need a co-signor. They told me that I am a ghost, have no credit, and basically am in purgatory so me co-signing with him wouldn't be advisable.

So, how do I establish credit when I have none? (I have tried applying for Capital One online but got denied). I always pay my bills on time, manage my money well, and I never spend beyond my means.

another credit card to build up more credit....ok so i have about a year and a half of credit with a charge account wiht macy...only a $100 limit on macy and a capital 1 with $300 limit.....and reports are all ok except for one pass 30 day late for capital 1 eleven months ago...a charge account from a jewlery store ..i paid about $700 for it in 6 months....it was paid off in may of 2008 ...and after that they only report on my credit report satisfactory every other month

I also had a signature loan for $500 and made 4 ok month payments on it before it was transfered over to an auto loan....i got an auto loan for $1500 and the remainder of $300 balance fromt he signature loan was added to the auto loan...so essentially the auto loan was for abotu $1800.....that was for an 18 month loan..but i paid it off in 13 months...paid it off last month....ok...so based on my credit history....what kidn of credit card can i get? i checked my credit report and got 717 from transunion...i got it from transunion.....and it says i need more revolving account....or what department store credit card should i get...or one that will take me? especially one that checks transunion...but if u have the info...easy cards that check other credit bureaus as well...man it's taking forever!! to build up credit...
what is a vantage score?> i did get the score from www.transunion.com ....with all the payments i've made for the past year and a half...and the jewelry store for 2 years....I've only had one 30 day late, that impacts that much? what if i have it taken off? would it improve it so much more?
and no i checked it's my FICO score....ranges up to 850....not 900

for the past 25 years, the US economy has been propped up with bogus short term financial infusions from shoppers eager to purchase the latest gizmo, or wars used to boost the economy through defense contracts with US companies. ....that game is over. since US manufacturing is officially dead, consumers have realized using their homes as a credit card/bank is a losing proposition, and wars no longer provide sufficient infusions of capital into the economy.....how can a superpower survive?

anyone remember how the USSR collapsed?

1The term "receivables" refers to
a.amounts due from individuals or companies.
b.merchandise to be collected from individuals or companies.
c.cash to be paid to creditors.
d.cash to be paid to debtors.

2Ratios are used as tools in financial analysis
a.instead of horizontal and vertical analyses.
b.because they can provide information that may not be apparent from inspection of the individual components of the financial statements.
c.because even single ratios by themselves are quite meaningful.
d.because they are prescribed by GAAP.

3The debt to total assets ratio measures the percentage of the total assets provided by creditors. True or False?

4Dividends may be declared and paid in cash or stock. True or False?

5A detailed stockholdersa�� equity section in the balance sheet will list the names of individuals who are eligible to receive dividends on the date of record. True or False?

6Which one of the following would not be considered an advantage of the corporate form of organization?
a.Limited liability of stockholders
b.Separate legal existence
c.Continuous life
d.Government regulation

7Which of the following factors does not affect the initial market price of a stock?
a.The companya��s anticipated future earnings
b.The par value of the stock
c.The current state of the economy
d.The expected dividend rate per share

8Specialty Packaging Corporation began business in 2007 by issuing 20,000 shares of $5 par common stock for $8 per share and 5,000 shares of
6%, $10 par preferred stock for par. At year end, the common stock had a market value of $10. On its December 31, 2007 balance sheet,
Specialty Packaging would report
a.Common Stock of $200,000.
b.Common Stock of $100,000.
c.Common Stock of $160,000.
d.Paid-in Capital of $150,000.

9Current liabilities are due
a.but not receivable for more than one year.
b.but not payable for more than one year.
c.and receivable within one year.
d.and payable within one year.

10In a recent year Dillon Corporation had net income of $130,000, interest expense of $20,000, and tax expense of $30,000. What was Dillon Corporationa��s times interest earned ratio for the year?
a.6.5
b.7.5
c.8
d.9

11The relationship between current assets and current liabilities is
a.useful in determining income.
b.useful in evaluating a company's liquidity.
c.called the matching principle.
d.useful in determining the amount of a company's long-term debt.

12A concentration of credit risk is a threat of nonpayment from a single customer or class of customers that could adversely affect the financial health of the company. True or False?

13A major advantage of national credit cards to retailers is that there is no charge to the retailer by the credit card companies for their services. True or False?

14When an account receivable that was previously written off is collected, it is first necessary to reverse the entry to reinstate the customera��s account before recording the collection. True or False?

15A dishonored note receivable
a.Is no longer negotiable.
b.Must be written off by the lender.
c.Creates a claim against the maker for the amount of principal only.
d.Is one that is not paid in full within 10 days of maturity.

16Which one of the following is not an accounting problem (issue) associated with ac-counts receivable?
a.Depreciating accounts receivable
b.Recognizing accounts receivable
c.Valuing accounts receivable
d.Accelerating cash receipts from accounts receivable

17An aging of a company's accounts receivable indicates that $4,000 are estimated to be uncollectible. If Allowance for Doubtful Accounts has a $1,200 credit balance,
the adjustment to record bad debts for the period will require a
a.debit to Bad Debts Expense for $4,000.
b.debit to Allowance for Doubtful Accounts for $2,800.
c.debit to Bad Debts Expense for $2,800.
d.credit to Allowance for Doubtful Accounts for $4,000.

18The extent of internal control features adopted by a company must be evaluated in terms of cost-benefit.

19Companies that fail to maintain an adequate system of internal control
a.may be subject to charges of fraud.
b.will be automatically dissolved.
c.may be subject to fines and officer imprisonment.
d.may be forced to sell their assets.

20An income statement would not include
a.other revenue and gains.
b.extraordinary items.
c.discontinued operations.
d.dividends paid.

21When a change in accounting principle occu

Does anyone know if capital one still offers a secured credit card? if so does anyone have a link to the site? thanks

Reason why I ask is because I no longer want the card since their terrible but it was over the phone and I didn't give a social but gave name address and so on and I don'r want that to show credit report

My wife paid off the entire account balance that was on our credit card statement. We pay electronically and don't receive paper statements. Anyway, She called in today to cancel the Credit Card because their interest was too high. To her confusion they said she owed $41.05. She called in and they stated that they charge interest from the date that the statement was sent out. I called in and told them that doing that would make it impossible to pay the full balance because every statement you get wouldn't have the right "New Balance" because every day it would be growing. What I learned from all this is DON'T USE CAPITAL ONE! They did eventually agree with me that it makes no sense to do that, and did credit my account and make it a $0 balance. It only took talking to someone from India, Philippines and then finally someone from TX before it got corrected.

I really want to rebuild and there offering a capital one secured card.

its a knew credit card since ive gotten it in november of 2008 the last credit limit i got was in june from 750 to 1000

Been turned down by even bad credit loan companies, capital one and vanquish!!!!!!!
doesnt this contradict the whole point of bad credit loans/cards
ok its not that i got bad credit from myself, my card was stolen a couple yrs back and they completly messed up my credit so i went frm non to bad.
i dnt own no credit cards or have any loans.All i want is 1000 so i can go look after my gran in jamaica.
i ve been refuseed for loans here there ad everywhere and tis really pressing on me now.
HELP does anyine know where i can find a grand?between now and 2 weeks?

I get confused each time I want to use my credit card, wondering which one to use, I have Bank of america with $4000, Capital One with $1500, american express with $2000,
I have a credit over 700 pts now, and I'm planing to apply for a home loan in like one year.
Can you guys help me know which one is the best to use to improve my credit, or should I apply for a better one?

I have an idea to help rebuild my delapidated credit rating. Without going into too much detail into how it got delapidated, basically I owe money to creditors.

I currently am out of work and can only pay small sums to my creditors, with 2 standing orders each for A?X amount, out of my bank account to the creditors each month.

I have a credit card with Capital One that has been sitting dormant for years with no usage for at least 3-4 years whatsoever. Is it possible to set up a monthly standing order off a credit card?

If so I plan to pay my creditors the same A?X amount on a monthly basis as I am already, but off the Capital One card. On the same day this happens I pay Capital One from my bank using a direct debit for the full amount, no interest to pay as it's the same day. This way I still get to pay my creditors but I also help rebuild my credit rating at the same time.

Good idea or bad idea?

I've had my Capital One Card in good standing for about 2 and a half years. Never went over my limit, always paid my bill on time(usually a couple weeks early) and now that I haven't gottena letter in the mail saying they raised my credit, I requested a raise. Sure enough they turned me down and I call them and an Indian lady tells me I am not eligible but won't give me an explanation. Any idea why?

I turn 18 on march 31 on this year and the first thing i did was get a credit card. I being balancing it well. my credit limit startled at 1000 now is 2000. I have an additional 2000 save up in the bank. I apply for a loan with my credit holder(Capital One) and I got denied what can i do.

I have a house to sell lived in it for 3 years next feb no missed mortgage payments I have a loan will be finished in feb 2010 no missed payments and a capital one credit card was a little late with some payments but on time for the last 6 months plus. When I checked my score with credit expert it was 544 - please help. My mortgage adviser says I need 25% deposit if I have 15% can the other 10% be vendor gifted?

Alright I Have A Dilemma On My Mind Right Now I Know That By Canceling My Oldest Credit Card Will Hurt My Score But i Dont Use it At All I Have 6 Credit Cards The 2nd Longest Credit Card Is The One I Use Most Often I Am Planning To Get Rid Of 2 Of The Newest Card That I Apply And Also Getting Rid Of Oldest Card Which I Hate Capital One So Basically I Want To Just Keep At Most 3 Cards Should I Just Go Ahead And Execute My Plan Or Would This Plan Hit Hard On My Credit Score Ive Had Capital One For About 3 Years and 2nd Card About 2 Years And 6 Months Please Give Me Some Advice Thanks

Example

Impossible to find website x sells incredible product x only on website.

Is it legal for me to take their incredible product x and sell it on places like ebay at small mark uplike I owned it new in box? Once order recieved I simply purchase under buyers name.

Many sellers on ebay appear to do something similiar to this.

-Would have shipping math worked out/ or priced so as to be irrelevant
-Would be just like selling an unwanted coffee maker you got from christmas right?
-Would spare obsene amount of capital you risk in order to get bulk discount but would only put you in red if it didn't sell.
-Also get discount through credit card cashbackery and rarely through things like windows live and other affiliate sharing things.

I already know of several high end items, but do no want to go around trying to set up proper drop ships as most people won't bother to give so much as a response unless your a set/proven buyer.

So is this legal. I don't think its infringement as nothing is modified/rebranded/renamed. It is just like having a friendly worker bee appear and pushing your product and people would be getting at price sales so....

Anyways is this legal/common? I know it is much cheaper to get set up in bulk buys but that requires a proven history that it will sell and large capital but this method seems to have benefits for proving/poor folks like mua.

I've heard Capital One and Orchard Bank are good choices but I don't know anything about either one nor do I have experience with credit. So who offers the best secured credit card for the building of credit?

Before I start, I want to say that I am not saying any of these things as excuses for my situation, because I take complete responsibility, but I want to give a bit of background.

I grew up in a very abusive home, and made some extremely bad choices. I ran away from home, got into drugs and alcohol, etc.

I did graduate high school, but did not go to college. Later, after I cleaned up my life and decided to become a productive member of society, I made another bad choice. I decided to go to ITT Technical Institute rather than a university.

This cost me about 30,000 in student loans, which I didn't really understand the reprocussions of at the time.

After that, I didn't get a great job like they promised me. I ended up working tech support in a call center. I had an extremely hard time making my rent, bills and the insanely high payments the student loan people asked of me.

Because of that, I also ended up with A LOT of credit card debt.

My student loans are defaulted and my credit is totally ruined. It's around 400 right now.

I just found out I was sued by Capital One. I did not get served papers or anything and didn't even know they were suing me. I called the court because I got paperwork saying Capital One won the lawsuit by default since I did not show up. I told them I didn't even know I was being sued. They said they had on record that they tried to mail me the summons but that it was returned to the post office for some reason. They said a notice was "posted to my door."

Well, I live in an apartment complex with my door facing a major road. Anything could have happened if they simply stuck a paper on my door. I never saw one so for all I know it blew away or someone ripped it off.

Long story short, I am in deep trouble.

I have fought really hard to try to salvage my life and make amends for my bad choices, but it feels like for every step forward, I take 3 steps backwards. I don't know how to get ahead with everything stacked against me.

I can barely make my rent and bills right now.

I want to go to a real university and get a real degree so I can get a good high paying job and settle my debts, but I can't even do THAT since my student loans are in default!

(Can't get money if I can't get school, can't get school if I can't get money.. Again, don't know how to win here!!)

So, if anyone out there can give me some advice on how to save myself, please help me.

I have considered bankrupcy to get out of some of my debts, since my credit is already destroyed, but I don't know if that will make it impossible for me to get a car when my lease runs out. (In about 6 months.)

I also don't have the cash to pay a lawyer for bankrupcy... :(

I am really stuck here. What can I do to fix this?

Thank you for your time.

credit score

2009-10-30T05:34:00.001-07:00

Teenagers are spending money, and how do parents know what credit cards are good for teenage children? Learn good credit cards for teenagers from a credit.Have you ever wondered why people get denied for loans and why other people get approved for it instantly? Have you ever wondered why some people are not.Finance article No.9859 Low Credit Score Home Loans - Mortgages For People With Poor Fico Credit Scores All Documents>>This Document Collection>> Whether you are refinancing, getting a second mortgage or home equity loan, ...Three easy steps to a stellar score that will get you the best rates.Duration : 0:2:15.Have you been deprived of getting a loan, mortgage or credit card? Do you know how you can increase your credit score? Your credit score can make or.If you apply for example for a new credit card or car loan, the creditors may request your credit score to see if you are a reliable person. You may wonder that.Take care of those things besides a credit score that affect how lenders view you Lenders will often look at not only your credit score but at other.Your credit score like your Identification Code is the number that tracks your dealing with finance. In fact, the credit score helps banks to see whether or not.Finance article No.9860 Low Credit Score Mortgage Refinance - 3 Reasons To Refinance Existing Mortgage All Documents>>This Document Collection>> Before choosing to refinance a mortgage, each homeowner should take into account the pros ...There are a few different ways to clean up your credit report and raise your credit score. But here is a focus on debt consolidation. Youve seen a bunch of advertising for debt consolidation. Many people see these commercials and wonder ...
I tried applying for my first credit card with the bank Chase and wasn't approved. I applied for a Chase Freedom Master card. The letter I received said that I had no information in the credit bureau. I understand that I don't have any credit information because I've never had a credit card before to build my credit score, but how am I expected to do so if I can't get one to begin with?
well jimmy, I've added all my details. I haven't missed a single thing. The letter said "The reason(s) why you did not score well compared with our other approved applicants were: No information in credit bureau" so apparently that is all the reason they need not to approve me.

I am 19 me and me girlfriend are going to get married and we want to get a house we both work full time I make about about 15000 and she makes 25000 annually we also want her mom to move in who gets around 12000 a year and with help with the mortgage. My girlfriend has bad credit because of not having medical insurance so has medical bills and the city she lived in left her utilities on in old addresses for years 6 in one location so she has thousands owed to utilities and her mom is in the same boat. I currently am also a full time college student I work very hard as does my girlfriend and I want us to be able to get a house. On paper I make so little but I only have good credit with my car payment which has been paid on time for the 10 month lifespan of the loan which is 2 years (totaling $2500) although I am saving up and will have it paid off by February though and the only other thing on my credit is my student loans ( totaling $8250)which i am also in good standing with, I know all of this because I checked my credit report but not my credit score because it costs money and I don't have a credit card also though I have applied for a discover card and was declined the only other checks on my credit were twice when I was looking for a car and my bank twice trying to get credit over draft protection and my car loan a have a co-signer. I am no longer living with my parent but the rent isn't in my name all the bills are though but only since July this year. The house market where I live we could get a nice house for about 50,000 we wouldn't be able to make a big down payment but want to take out only a ten year loan and could afford an interest rate up to 9%. We have heard the are going to extend the 8,000 first time home buyer tax return till April next year which would be nice for paying off the home early but we would definitely like be in a home before next summer and 8K would be nice too but what things I should do to try to get this accomplished. Would getting a credit card with an annual fee and always paying the balance be a good idea because I thought the cards you have to pay to have are a scam or didn't report to the credit bureaus; and how do I get pre-approve and would this be a good idea at this point or would it be a waist of my time and make my score worse?

Previously, I had absolutely no debt, paid my credits card off each month, owned my cars and home (no mortgage). I found a new home at a great price pulled money out of my investment account for the down payment and took out a mortgage for the rest, and now trying to sell my original home. I was sure this would hurt my credit rating, but with the mortgage it IMPROVED my rating by 10 points!! I certainly am stressed out now because I just got laid off from my job last week, and feel I have screwed myself by putting myself in a position to have to pay a mortgage with no job.

But my question is why does having a mortgage INCREASE your credit rating? I use Experian to monitor my credit score.

My husband and I live in houston, and we are looking into buying a home. The details are that we are looking for a home that is in the price range of 90-105k, we are butting at least 30%-40% as a downpayment, and his credit score is 701, and mines is 726... My main concern is that I am 19, and not really very familiar with home buying. It makes it harder that he is in the US Army, and Im doing everything alone. So where do I start? Do I look for a home first? Do I apply for a loan first? What Banks would you guys reccomend? I know some have fees that others dont.... I tried to look things up online, but I would really like advise from someone who has been or is in my situation... Thank you guys very much!

What is the minimum acceptable credit score when applying for a job where the employer checks your credit?

Ive been getting lower grades on my Math quarterlies, as one step keeps bumping me down. I used to get straight 100's, then. I at first kept getting 100's, but then I got an 88 as a result of a horrible... horrible.... scantron.(Don't ask, Idk y, but I always score very low on scantron tests)

Many opinions are that
A) Extra credit is "basically saying "I want to you to work harder so that I get get a higher grade" to the teacher.

B) Only students who actually care ask for extra credit, and the fact that you asked means that you actually care

C)Extra credit should only be offered to those whom are failing,

I am a single mom with a teenager currently in college. I recently lost my job and living on unemployment which runs out in 6 weeks. I also am currently going back to college and am taking 4 classes per semester. I am already getting pell grants that are covering my books and tuition. I have taken out the max in student loan from Sallie Mae for living expenses which is only $3500 per semester. Every employer I have interviewed with tells me come back when you have your degree. Well I won't have a house or a car to drive if I keep going to school and don't have a job!! I do not own my home so I have no collateral and thanks to my oh so loving ex husband, my credit score is down to 515 and until I pay off the debt he racked up, my credit score will not budge. I am in some serious need of some kind of guidance if anyone has any. Seems all the "free gov't money for single moms" that I have looked at are all scams!

Sallie Mae and my bank would give me a private loan if I had a good co-signer. Don't have that either.

Thanks for you time!

If "shopping" queries for car loans within a two-week period of time are assessed as only one hit, how do I know the credit reporting companies are adding up my hits correctly? Isn't possible that errors are being made? How do I count up my own hits and know how my credit score is determined? Thank you!

i have a very low credit score of 541. I also have a lot of collections on my credit report. no credit cards, loans or any thing like that. i was young and not realizing what i was doing to my credit. besides the medical bill (had no insurance) i could maybe pay the rest off in a few years? i dont know what to do. i feel like im a failure and never going to have anything in life. there are so many different collection agency's on there i dont know if i could keep up with paying them all or what goes where, and when. should i consolidate or what. is it too late? please help if you can

i want to go to caltech, rice, duke, stanford, MIT...or something along those lines...what SAT score range would i have to get/where would a 1920 land me?
(i took it for the first time and 1920 is my first score since taking it in 7th grade in a Duke Talent Identification Program)
(science magnet school-11th grade. stuco, nhs, pe club (no sports @ my school), freshman mentoring, UIL, drama club for a year, taking ap physics 2 and ap cal 1 as a junior and doing well, gpa= approx 3.75 ish give or take .05, have taken technical/engineering classes and accelerated science (i have a total of 5 credits right now, one more next year), as well as college credit classes over the summer at a leadership conference)

and i can write a heck of an admissions essay! lol

MY MOM SOMEHOW TALKED THE GUY INTO PUTTING ME UNDER MY OWN CONRACT BECAUSE HER PLAN WAS TO EXPENSIVE AND I AM SIXTEEN YEARS OLD BUT HE PUT ME IN THE SYSTEM AS 19 AND MY QUESTION IS IM PLANNING ON CANCELING MY CONTRACT WITHOUT PAYING ANY CANCELATION FEE OR THIS MONTHS PHONE BILL. CAN I HAVE A BAD CREDIT SCORE AND DO I EVEN HAVE A CREDIT!!?

Critical Reading 400
Math 460
Writing 490

I'm trying to get into the University of Washington, this is my senior year and i'm freaking out because i don't know what school would accept scores this low, even though they said
"We in the Office of Admissions caution students and their families against placing too much emphasis on standardized tests. Taking either test more than twice is probably a waste of time and moneya�� as well as a source of unnecessary stress."

The priority deadline for the application is december 1 and the next SAT is december 5 or if i'm lucky enough to get the standby for november 7th.

I have over 3000 minutes in community service, I was keyclub historian and secretary, i take college courses for highschool, National Honor Society, Japanese club, i have fulfilled all graduation requirements, i have 9 extra highschool credits, and i participated in sports. I feel like everything i've worked for is useless now because of my SAT score.

...holy crap did anyone see Inter-Palermo??
What a crazy game. Inter were up 4-0 at half-time, then as soon as the second half started Palermo pulled one back and within 15 minutes scored two more goals throwing the game wide open. Thankfully Inter regrouped and scored another goal to kill the nerves and the game at 5-3.

Credit to Walter Zenga and Palermo who were more motivated and played a hell of a lot better after being down 4 goals, rather than give up on the game. And this proves every minute of football counts, never say its over until its over.

Here are my GOOD stats:

* 26 yrs old attractive female, divorced (military marriage) no kids, single
* 3 yrs Navy Reserves, 1 year active duty as a mil police. Want to become an officer.
* 6 months I will have an Associates in GS.
* 9,500 tax free money in savings (military)
*VA benefits for life
* 20 months new GIB to use

BAD stats:

* no kids (desirably want to have a family in next couple years)
*bankruptcy/foreclosure (started young being an adult, learned from my mistakes)
*720 credit score is now a 535
*unfinished degree. want to get my bachelors in next 2 years
*aging parent

I'm currently deployed overseas. my question is should take time from school to come back overseas as a contractor and save $100,000 to set myself up, or should I go home use the gibe bill and go to school (don't work) until I get my bachelors and go from there? If I do it this way, the latter I may meet someone
The most important things to me are family, then money, then travel, a decent car. that just my nature. I want to spend time with my aging parent, maybe have some kids but I can't really do that and be a contractor. At the same time I know I have to live life for me.

Someday I want to get my masters, say I worked hard, influenced lots of people and made a difference. I'll spare you the noble speech. I just wanna be successful.

Hello,Im trying to get a loan from my credit union so that I can buy a motorcycle.I plan to use it as commuting to and from work/school.The bike costs $3500.The problem is,is that I have no credit.I have been a member of this credit union since I was a child,but recently got a job.I know it's going to be a stable job because as time are,everyone will need security,plus my mom is my boss :p.Is there a way that my credit union could fund me and I can use the bike as collateral? if not, I have a step father who might co-sign for me(might have to break him off $200 from my paycheck).He has a score of 640+,but I would like to do this on my own.Please help.

I'm currently deployed overseas. my question is should take time from school to come back overseas as a contractor and save $100,000 to set myself up, or should I go home use the gibe bill and go to school (don't work) until I get my bachelors and go from there? If I do it this way, the latter I may meet someone
The most important things to me are family, then money, then travel, a decent car. that just my nature. I want to spend time with my aging parent, maybe have some kids but I can't really do that and be a contractor. At the same time I know I have to live life for me.
Here are my GOOD stats:

* 26 yrs old attractive female, divorced (military marriage) no kids, single
* 3 yrs Navy Reserves, 1 year active duty as a mil police. Want to become an officer.
* 6 months I will have an Associates in GS.
* 9,500 tax free money in savings (military)
*VA benefits for life
* 20 months new GIB to use

BAD stats:

* no kids (desirably want to have a family in next couple years)
*bankruptcy/foreclosure (started young being an adult, learned from my mistakes)
*720 credit score is now a 535
*unfinished degree. want to get my bachelors in next 2 years
*aging parent

Someday I want to get my masters, say I worked hard, influenced lots of people and made a difference. I'll spare you the noble speech. I just wanna be successful.

I'm currently deployed overseas. my question is should take time from school to come back overseas as a contractor and save $100,000 to set myself up, or should I go home use the gib bill and go to school (don't work), until I get my bachelors and go from there?

If I do it this way, the latter, I may meet someone, plan for a future and not be able to go back overseas as a contractor.

The most important things to me are family,money, then travel, a decent car. that just my nature. I want to spend time with my aging parent, maybe have some kids but I can't really do that and be a contractor at the same time. At the same time I know I have to live life for me. I'm just trying to plan the next 4 years or so.

Someday I want to get my masters, say I worked hard, influenced lots of people and made a difference. I'll spare you the noble speech. I just wanna be successful.

Here are my GOOD stats:

* 26 yrs old attractive female, divorced (military marriage) no kids, single
* 3 yrs Navy Reserves, 1 year active duty as a mil police. Want to become an officer.
* 6 months I will have an Associates in GS.
* 9,500 tax free money in savings (military)
*VA benefits for life
* 20 months new GIB to use

BAD stats:

* no kids (desirably want to have a family in next couple years)
*bankruptcy/foreclosure (started young being an adult, learned from my mistakes)
*720 credit score is now a 535
*unfinished degree. want to get my bachelors in next 2 years
*aging parent
:) Thanks sko. I have 3 months left. My dad is 69 and diabetic.
also yes i do plan to return to mil service. whether active or reserves. I'm the one that everytime we leave a deployment im not ready to go home.lol

My credit score is 700.
Is this too bad to be qualified for very small housing loan?
How long does it take to up your credit score?
Do you think they will need more credit history then just a paid off credit card bill?

Ok so this is what i know, off of this info please tell me if we are lower, lower middle,middle, upper middle, or upper.

My dad makes anywhere from $80 k- 95k a year depending on overtime
My mom makes about $65-75 k
We have a 3 story house, 1.5 bath, grage, 3 bedrooms, dining,kitchen,living,family rooms. we have 3 cars and a motorcycle. a hot tub, pool, deck and trampoline. 3 kids, one in college(after 4 years of private high school), one currently in private high school and in grammer school.

also, i think we have a good amount of credit card debt, but a good credit score(idk if it matters)
Based off of this info what class would we be in?

Any help is apprecicated, Thanx,
Dan

Hi,

Currently I am staying at an apartment where I have signed the lease and I am going to sign a lease in a different apartment community where I am going to move after the end of the lease.

Would it be ok if I have lease in 2 different communities ? Would it create any problem for me legally or will it effect my credit score in anyway ?

I was wondering if I have a continuing lease then the other community will not approve my lease by checking my credits because I am already holding a lease in other community at the time of signing that other lease

Please advice.

Thanks

Recruiter told me to come in today to take my PreAsvab. I scored a 48 and was all set to take the actual test Friday. I then spoke to him about being able to take it Monday (which would allow me a few more days to ensure I would get a 50 on the actual one) which he said it would be fine, but I decided to call him a little after I left to come back and fill out the paper work so I could just take It tomorrow. This Is when he found out that It actually closed past Monday for accepting recruits with g.e.d's. Obviously this was rather frustrating to hear, and he told me either get 15 college credits otherwise I might have to wait till this upcoming summer. I then decided to call 2 other Recruiters Offices in the area, and they both told me I should call back every 2 weeks, as there is a good chance each month they will accept in recruits who have their g.e.d (very limited though, obviously). Now I'm not sure what to believe as 1 Recruiter gave me a different answer then the other 2. So my question is basically, how often do they open the gates for g.e.d holders?
Well I guess to add this then, Incase I do not have a strong chance of being able to retry every month or so. What other options are there getting when you already having a g.e.d? I know about 15 college credits, but is it possible to finish my high school credits, or to even do the army's g.e.d program? I am determined to get In no matter what It takes.

Hello all! I am currently a student at Stony Brook University. I am planning to transfer to NYU or Columbia. I am wondering if i have the credentials to make it. I came to Stony Brook out of high school with a 3.2 GPA and a low SAT score of 1140. Once at Stony Brook University i maintained a 3.5 GPA and am currently a junior even though i am only in my second year of college (i went through a wall street summer program which bumped up my credits). I participate in 9 different clubs/organizations on campus including 3 honor societies, i work for the dean of students and am a double major (economics and business management) i am applying to NYU and Columbia as a transfer. Do you think i could get in? Or should i not even try? I am transferring because i have an intense interest in the economics field and at my current college economics is not a strong major. Thank you!

I have a Zero Balance. This account has a 4,000 credit limit.
I need to close this account due to a new annual fee that was just added to my card which used to be a no annual fee card and this is my only reason for closing. I just need as many tips as I can before I press the YES button on the account.
My main goal is to not lose too many points on my credit score.
This card I want to cancel is from 2006.
My oldest card is from 2003 with less available credit.
Any tips would be helpful.
I am confused.
Thanks
Hi Baby Due,
I tried my hardest to have the fees waived...) : They won't budge an inch.
I would pay fees if this card was my favorite, but I don't even use it as much as I used to. Maybe just a couple of times a month or less.
timothy..my other cards are paid off...
Will my score suffer badly?
p.s. I asked you in your send e-mail so that you can answer this ( :

Hi I want to buy a new used car. I try 2 different dealership and on 1 of the dealership they put my credit. Credit is over 700 but im scared if I try the other dealership my credit will drop. I dont know if it will, it is my first time buying a car.I just dont want to keep going to different dealership and them having to check it. Any help, thank you

What are the best ways to increase my credit limit? Not my credit score. I want ideas of things to do. I know getting loans are a huge impact but i don't need any loans so there is no point in getting myself caught up in that. Can leasing a car get it higher? Or anything else? Any ideas please. And i always pay my credit card on time - never a late payment. i don't need ideas like that. Thanks =]
i have 2 credit cards and pay my payments in full every time. in those two years one credit card increased my limit. i don't want to ask for it because i've heard that brings down my credit score which is something i rather not do.

i had a ccj for a unpaid tax bill its being removed 25 nov 09 i was wondering if my score will rise much as of 23 nov 2009 it was 725out of (999)(fair rated)??????????HELP PLEASE???????????thanks

Ok. Im not that savy on credit. The only thing I really know for sure is the rule of thumb: pay your bills on time. I currently have an old cell phone company on my credit and I owe them money. Im no longer with this company and intend on paying them back. Its been over a year since they reported my account as delinquent. I have a few friends who inform me that paying off the account wont help my credit at all anyway. So I shouldnt even bother paying it. Is this true? And what is considered a good score, a bad score, and a average score?

My wife and I went to buy a car, we tracked our score at freecredit report.com and we both had between 670-690... when we applied at the dealership they come back and show us we both have between 550-575.

i dont get why its not the same and where freecreditreport.com is getting those numbers anyone else have this problem or know what the scoop is? thanks!

im almost complete with cleaning up my credit file now i just need my score how do i get that from all three bureaus free

Is there anywhere I can see my credit score, not report, for free?

I've already used my free yearly credit report from anuallcreditreport, now I just want to know what my credit score is.

Thank you!

NOT report, just score. preferably free.

what is the web address for free credit scores? and what are the links to it.

I went to annualcredteport but I can't get my actual score. It tells me to go to another site for my score but wants $12.95 for it. Aren't we entitled to our score as well as our history? Experian was the only one I could get info from immediately. I was able to print out my history from their site. Equifax and Transunion will mall it but I still can't get my score. Any ideas??

I'm not looking for a free annual credit report, but a credit score. Is there a car dealership, mortgage company, etc. that can run my credit online and give me my credit score? And i'm not worried about one or two companies lowering my credit score by checking my credit.

Is there a way to get a free credit score? I heard everyones entitled to one free score,state by state?

Which can be trusted and secure since I will be ordering on line? I would like one of the free reports if possible. Has anyone ever tried this?

I am 54 and lost my job 7 mos ago, my partner's company went bankrupt a month later. We have run through most of our savings except for about 50K we have invested in a business that is breaking even right now but not really making any money. I have about 130K in my 401K and my house is about 100K underwater. I have it listed for a short sale but the new houses that are being currently built in my neighborhood are selling first. I have a 7% interest rate. We have moved out of the house and are now living in my friends guest house to save money on cable and utilities, etc. My mortgage is $2100. We are now living off of unemployment and do not have any jobs in the foreseeable future although we are very actively trying to find some.

I have about an 800 credit score. This is really bothering me not to pay my mortgage, but I don't know what else to do. Do I risk my retirement years and business to pay this? Rental prices are so low I would lose about $1200 a month.

Is there a way to get a free credit report? I heard everyones entitled to 1 free report,state by state?
If so,how do i do it?

Where do I go to get a free online credit score rating if I already take my credit report?

i got my credit report but i don't have a score. any help would be greatly appreciated

I have a secured credit card with a low balance of $200. This is my only credit card right now. I want a card with a higher balance to improve my credit score. I hardly ever use credit, so I was thinking I increase the balance and maintain a good debt to credit ratio. The catch is, I'd have to send in a deposit check for the secured card in order to receive the increase (basically buying the credit limit increase). I feel like because my credit score is relatively low, I don't have much options. It is slowly improving and I don't want to risk adding inquiries to it by applying for unsecured cards (and possibly get rejected). The only other option would be to get another secured card and have two cards. I was thinking of possibly adding something like $1000-1800 to the card I have now, increasing the limit to $2000. My FICO score is 601, I believe.

So the two options:
-Keep one card, and go from a $200 to $2000 limit.
-Have two cards, one with a $200 limit and one with an $1800.
They'd both be secured with relatively good terms (apr and penalty-wise).

Which is better in terms of improving my credit?
Thanks 'ConfusednOHIO'! Now that I know FICO prefers variety, I'll do exactly what you said, add to the smaller account and open a second one.

I'm not looking for a free annual credit report, but a credit score. Is there a car dealership, mortgage company, etc. that can run my credit online and give me my credit score? And i'm not worried about one or two companies lowering my credit score by checking my credit.

i went to every website i could think of to get my credit score free but they all asked for money. so if there is any website that i can go to to get my free credit score without paying please help me. i went to annual credit report and it didnt help so please some other website that is free

Not credit report, credit score. All my credit report says is my one account in good standing and no negative stuff. But I want a score.

most of them ask for money but there is one that is totally free. i need the one that u can get free report once a year. does anyone know the site?

Which can be trusted and secure since I will be ordering on line? I would like one of the free reports if possible. Has anyone ever tried this?

Which can be trusted and secure since I will be ordering in internet? I would like one of the free reports if possible. Has anyone ever tried this?

Which can be trusted and secure since I will be ordering online? I would like one of the free reports if possible. Has anyone ever tried this?

i got my credit report but i don't have a score. any help would be greatly appreciated

credit repair

2009-10-30T05:33:00.003-07:00

Credit repair scams are popular business in todays business environment. The Internet, in mailboxes, on the TV, telemarketers, and flyers left on car windows.ICB Instant Credit Builders Piggybacking On CNNDuration : 0:7:11.Good credit repair companies are still available if a consumer is willing to search...Three easy steps to a stellar score that will get you the best rates.Duration : 0:2:15.Never before has your credit score been so important. And never has credit repair offered such dramatic financial benefits. There was a time, not long ago, when it was enough to pay your bills on time. Lenders would glance at your ...Credit repair does not have to take forever! Yes, it is true that there are some issues that only time will cure, but you will be surprised at the amount of control you can exercise over your credit in a very short amount of time. ...Every point on your credit score matters. Credit repair is for everyone. Is it time for your credit repair tune up?Unfortunately, getting your credit back into shape isn't as easy as some might have you believea�� with all of the scams and overpriced services involved with credit repair, it can be hard to tell who you can trust with your financial ...Students are increasingly worried about credit and credit scores - and for good reason. Student debts are rising and the numbers of students who leave school.So many people are wanting to know how to eliminate credit card debt and are not the only one who wants to know this information.
Long Story Short, I got into an accident and the insurance company paid for the repairs, the body shop completed them. To get the car back I had to pay the towing bill and deductible. When I finally worked out a way to pay it, they suddenly said they needed all the money in one shot. I had worked it so I would pay the tow bill in full, then the insurance company would reimburse the full tow bill ($500) and that is how much the deductible was.

My Lender (Wachovia) knew this and knew I wouldn't be paying this months payment because I had to pay this off to get the car back. I let them know (the bank) that they had reneged on the payment plan. I was informed I had two options -

1) Pay The Full Amount To The Body Shop

2) They Pay The Full Amount, Pick It Up and Then I Would Have To Pay Them Back

I had decided I would trade-in the car instead and tried to setup something with the dealership sales dept. I was informed today (Oct 29) that my car had been picked up by Wachovia. I guess the Body Shop (had been waiting for payment since Sept 22nd) was tired of waiting and was going to put the car up for lien sale. Of course the Bank wanted none of this and pick it up.

I don't know what all the charges are, but I was told if they picked up the car, I have 15-17 days or something to pay back the fees + this months payment.

Like I said I tried to trade it in as its unlikely for me to get a loan with the amount I need to pay all the fees and I would actually like to get from under Wachovia (Now Wells Fargo) pay it off and pay another lender.

My question is this -

I haven't seen this asked, but I wanted to know could I likely get a car dealer to pay off my car in a trade for a new one? Of course they would have to agree to the trade value sight unseen (unlikely?) and to the exact payoff amount.

I'm going to talk to a couple of dealers tomorrow (talked to few today without laying it all out as I have here)

Do I have any chance of succeeding?

Other Stats -

16 Payments Left of 60 (Owe Less Than Wholesale Value)
1 Late Pay (Created By Wachovia)
Credit Score At This Moment In Time - 625

Please help me to prepare this college assignment-
1. Projected P and L A/c for 3 yrs 2007-08, 2008-09, 2009-10
2. Projected balance sheet for 3 yrs 2007-08, 2008-09, 2009-10 to be
submitted by Mr Basu.

Mr Basu is going to start a Hotel Management Training Institute at
sector V, Salt Lake, Kolkata for which he approached Allahabad Bank
for a cash credit loan of Rs 15 lakhs.

Mr Basu entered into an agreement with International Institute of
Hotel Management Federation and a one time affiliation fees of Rs
5,00,000 is to be paid.

The other terms and conditions were as follows:
1. Royalty is payable @ 25% of the revenue
2. Cost of Study material @ 10% of the revenue
3. Advertisement cost to be incurred @ 15% of the revenue

Course Fees (Rs) Duration
Hotel Management 2,00,000 12 months

The following staffs are required:
1. Manager @ Rs 30,000 p.m
2. faculties @ Rs 20,000 p.m
3. Counsellors @ Rs 10,000 p.m
4. Office Assistant @ Rs 5,000 p.m
5. Peons @ Rs 2,000 p.m

The following infrastructure is required:

Particulars Rate(Rs) Quality Amount(Rs) Depreciation(%)

Computers 20,000 20 4,00,000 33.33
Printers 2,000 5 10,000 33.33
Air conditioners 30,000 2 60,000 15
Microwave ovens 5,000 10 50,000 15
Baking ovens 2,000 10 20,000 15
Cutlery sets 1,500 5 7,500 33.33
Telephone 2,000 3 6,000 15
Sign Board 2,000 2 4,000 10
Furnitur's &
Fixtures including - - 10,30,000 10
interior decoration

The following are the revenue expenditure to be incurred per month

10 gas cylinders @ Rs 400 per cylinder, which is expected to increase
by Rs 50 every six month

1. Electricity Rs 15,000
2. Telephone Rs 5,000
3. Rent Rs 5,000
4. Printing & Rs 2,000
Stationary
5. Travelling Rs 3,000
6. Repair & Rs 15,000
maintenance

Assumptions:
1. In the 1st yrs the enrollments would be 50 and thereafter to
increase at the rate of 20%
2. Revenue expenditure is to increase by 10% in 2nd yr and 15% in 3rd,
except rent and electicity.
3. Interest on Bank loan @ 13% p.a
4. Mr A. Basu intends to limit his drawings to Rs 5,00,000 in the 1st
yr which will increase by Rs 50,000 p.a thereafter.
5. Provision for Tax to be made accordingly as per income tax act provisions
6. Student fees receivable is estimated at 45 day of sales
7. Estimated closed Stock of food % beverage is 10% of purchases and
opening Stock
8. Purchase of Food & beverage will be Rs 2,000 per month per student
9. Affiliation fees are to be paid amortized @ 25% on reducing balance method
10. Capital contribution is as follows;

Cost of Fixed assets 15,27,500/-
Affiliation fees 5,00,000/-
Cash in hand 72,500/-
Total 21,00,000/-
11. Creditors for expenses and goods estimated at one month
12. Cash credit is utilized to the maximum limit in all the 3 yrs

28th Sept. 09
Customer Relations Dept.,
Sky Subscriber Services Ltd.,
PO Box 43,
Livingston,
West Lothian,
EH54 7DD
Account Number: 621111XXXXXX

Dear Sirs/Madam,
I recently cancelled the above account with you due to the fact that after the 12 month warranty on my SKY plus box run out I then started receiving on screen messages stating that no signal was being received. As I have been a customer of Sky since analogue TV through various addresses I knew to disconnect system from mains supply etc etc.
As there are a number of sites on the internet that discuss this problem and show that this is a well known problem to Sky, I was confident that Sky could repair this situation free of charge as the problem obviously lies with the equipment that Sky provide. I could not possibly comment, as some people have, that this is a ploy by Sky to increase their revenue.
After contacting Sky (which is not a straight forward operation and causes massive frustration with your customers) the telephone operator would only offer this repair for half price after a long discussion. On hearing that this was the only concession that Sky was prepared to make, I cancelled my account. Sky no longer would receive A?35 approx. per month for an unlimited time. This in itself did not go as smoothly as planned as I had to contact Sky to inform them that on the 8th August 2009, one day after my subscription finished, I was still receiving Sky pictures. This was repaired within 4 hours, again another long drawn out affair on the telephone.
I have since received a letter stating that my account is in credit and that Sky wish to repay this to me. On contacting Sky and giving details to the automated telephone answering system I was asked for these details again by one of your operatives, and when questioning him regarding this I was cut off. On re-contacting Sky I was informed that I would be paid by cheque. I questioned this as it states on Sky letter that the re-payment can be paid as I wish (a�?To help us do this, we need you to give us a quick call so we can confirm how you wish to have this repaida�?). Your operative stated that I would have to set up a direct debit with my bank to allow this payment to be made by any other means!!! WRONG.
Although the first 12 months of my contract went very well, after this period the experience with Sky has been very fraught, difficult to understand operatives or make them understand due in most cases to be communicating with operatives from abroad, a telephone answering system that frustrates customers. It appears that Sky is very happy to take customers hard earned cash but is very inefficient at dealing with customera��s problems or complaints. I know I am only one customer but I am not the only one experiencing these problems with Sky plus boxes, a problem that Sky will not acknowledge and hope customers upgrade to Sky HD.
I look forward to receiving your comments to the above points

A major expenditure made to equipment that extends its useful life beyond the original estimated useful life would be recorded by

a. debiting repair expense and crediting cash.
b. debiting depreciation expense and crediting cash.
c. debiting equipment and crediting cash.
d. debiting cash and crediting accumulated depreciation.

Letter sent to Sky Complaints - Has any one had similar treatment??

I recently cancelled the above account with you due to the fact that after the 12 month warranty on my SKY plus box run out I then started receiving on screen messages stating that no signal was being received. As I have been a customer of Sky since analogue TV through various addresses I knew to disconnect system from mains supply etc etc.
As there are a number of sites on the internet that discuss this problem and show that this is a well known problem to Sky, I was confident that Sky could repair this situation free of charge as the problem obviously lies with the equipment that Sky provide. I could not possibly comment, as some people have, that this is a ploy by Sky to increase their revenue.
After contacting Sky (which is not a straight forward operation and causes massive frustration with your customers) the telephone operator would only offer this repair for half price after a long discussion. On hearing that this was the only concession that Sky was prepared to make, I cancelled my account. Sky no longer would receive A?35 approx. per month for an unlimited time. This in itself did not go as smoothly as planned as I had to contact Sky to inform them that on the XX August 2009, one day after my subscription finished, I was still receiving Sky pictures. This was repaired within 4 hours, again another long drawn out affair on the telephone.
I have since received a letter stating that my account is in credit and that Sky wish to repay this to me. On contacting Sky and giving details to the automated telephone answering system I was asked for these details again by one of your operatives, and when questioning him regarding this I was cut off. On re-contacting Sky I was informed that I would be paid by cheque. I questioned this as it states on Sky letter that the re-payment can be paid as I wish (a�?To help us do this, we need you to give us a quick call so we can confirm how you wish to have this repaida�?). Your operative stated that I would have to set up a direct debit with my bank to allow this payment to be made by any other means!!! WRONG.
Although the first 12 months of my contract went very well, after this period the experience with Sky has been very fraught, difficult to understand operatives or make them understand due in most cases to be communicating with operatives from abroad, a telephone answering system that frustrates customers. It appears that Sky is very happy to take customers hard earned cash but is very inefficient at dealing with customera��s problems or complaints. I know I am only one customer but I am not the only one experiencing these problems with Sky plus boxes, a problem that Sky will not acknowledge and hope customers upgrade to Sky HD.
I look forward to receiving your comments to the above points.

By BRETT J. BLACKLEDGE and MATT APUZZO a�� 4 hours ago

WASHINGTON a�� An early progress report on President Barack Obama's economic recovery plan overstates by thousands the number of jobs created or saved through the stimulus program, a mistake that White House officials promise will be corrected in future reports.

The government's first accounting of jobs tied to the $787 billion stimulus program claimed more than 30,000 positions paid for with recovery money. But that figure is overstated by least 5,000 jobs, or one in six, according to an Associated Press review of a sample of stimulus contracts.

The AP review found some counts were more than 10 times as high as the actual number of jobs; some jobs credited to the stimulus program were counted two and sometimes more than four times; and other jobs were credited to stimulus spending when none was produced.

For example:

_ A company working with the Federal Communications Commission reported that stimulus money paid for 4,231 jobs, when about 1,000 were produced.

_ A Georgia community college reported creating 280 jobs with recovery money, but none was created from stimulus spending.

_ A Florida child care center said its stimulus money saved 129 jobs but used the money on raises for existing employees.

There's no evidence the White House sought to inflate job numbers in the report. But administration officials seized on the 30,000 figure as evidence that the stimulus program was on its way toward fulfilling the president's promise of creating or saving 3.5 million jobs by the end of next year.

The reporting problem could be magnified Friday when a much larger round of reports is expected to show hundreds of thousands of jobs repairing public housing, building schools, repaving highways and keeping teachers on local payrolls.

But the White House promises many problems will be corrected in Friday's report.

"I think you'll see a pretty good degree of accuracy," said Ed DeSeve, an Obama adviser helping to oversee the stimulus program.

DeSeve said the administration is aware of problems with the early data. Agencies have been working with businesses that received the money to correct mistakes. Other errors discovered by the public also will be corrected, he said.

"If there's an error that was made, let's get it fixed," DeSeve said.

The White House released a statement early Thursday responding to the AP review, arguing what the administration said are the "real facts" about how jobs were counted in the stimulus data distributed two weeks ago. It said for the first time Thursday that release had been a test run of a small subset of data that had been subjected only to three days of reviews, that it had already corrected "virtually all" the mistakes identified by the AP and that the discovery of mistakes "does not provide a statistically significant indication of the quality of the full reporting that will come on Friday."

The data partially reviewed by the AP for errors included all the data presently available, representing all known federal contracts awarded to businesses under the stimulus program. The figures being released Friday include different categories of stimulus spending by state governments, housing authorities, nonprofit groups and other organizations.

As of early Thursday, on its recovery.org Web site, the government was still citing 30,383 as the actual number of jobs linked so far to stimulus spending, despite the mistakes the White House has now acknowledged and said were being corrected.

It's not clear just how far off the 30,000 claim was. The AP's review was not an exhaustive accounting of all 9,000 contracts, but homed in on the most obvious cases where there were indications of duplications or misinterpretations.

While the thousands of overstated jobs represent a tiny sliver of the overall economy, they represent a significant percentage of the initial employment count credited to the stimulus program.

Tom Gavin, a spokesman for the White House budget office, attributed the errors to officials as well as recipients having to conduct such reporting for the first time.

In fact, the AP review shows some businesses undercounted the number of jobs funded under the stimulus program by not reporting jobs saved.

Here are some of the findings:

_ Colorado-based Teletech Government Solutions on a $28.3 million contract with the Federal Communications Commission for creation of a call center, reported creating 4,231 jobs, although 3,000 of those workers were paid for five weeks or less.

"We all felt it was an appropriate way to represent the data at the time" and the reporting error has been corrected, said company president Mariano Tan.

_ The Toledo, Ohio-based Koring Group received two FCC contracts, again for call centers. It reported hiring 26 people for each contract, or a total of 52 jobs, but cited the same workers for both contracts. The jobs only lasted about two months.

I have been buying a home on rent to own and would like to borrow the money to repair the home pay it off does any one have any advice

We found a home that we like asking price 186,900, and there already were other bids so we placed a bid of 192,500 figuring this was the last weekend to qualify and close to get the first time home buyers credit and our agent felt it is worth more. We have a home inspection and the roof only has a couple of years, and downstairs plumbing is hooked up to septic. The city code does not allow use of a septics when sewer is available. The price of removing the septic tank, an up flush toilet and re-plumbing to the sewer line is around 4,000, to replace the roof around 4500. My agent claims that the seller will cancel the contract if we ask for concessions, and now the appraisal comes in at 185,000 without mentioning the inspection problems. I feel I should still ask for a price concession of at least down to 185,000 should I also ask for repairs?
Thanks for all the fast answers. Additional details market very strong in this area for houses under 250,000. This house was only on te market for 7 days and 4 bids. If we agree to concessions and title comes up clean no problem closing by Nov 20.

I am in dire need to repair my credit rating and was wondering if anyone had any advice on how I could go about doing that?

By BRETT J. BLACKLEDGE and MATT APUZZO, Associated Press Writers Brett J. Blackledge And Matt Apuzzo, Associated Press Writers a�� 1 hr 2 mins ago

WASHINGTON a�� A Colorado company said it created 4,231 jobs with the help of President Barack Obama's economic recovery plan. The real number: fewer than 1,000.

A child care center in Florida said it saved 129 jobs with the help of stimulus money. Instead, it gave pay raises to its existing employees.

Elsewhere in the U.S., some jobs credited to the stimulus program were counted two, three, four or even more times.

The government has overstated by thousands the number of jobs it has created or saved with federal contracts under the president's $787 billion recovery program, according to an Associated Press review of data released in the program's first progress report.

The discrepancy raises questions about the reliability of a key benchmark the administration uses to gauge the success of the stimulus. The errors could be magnified Friday when a much larger round of reports is released. It is expected to show hundreds of thousands of jobs repairing public housing, building schools, repaving highways and keeping teachers on local payrolls.

The White House seized on an initial report from a government oversight board weeks ago that claimed federal contracts awarded to businesses under the recovery plan already had helped pay for more than 30,000 jobs. The administration said the number was evidence that the stimulus program had exceeded early expectations toward reaching the president's promise of creating or saving 3.5 million jobs by the end of next year.

But the 30,000 figure is overstated by thousands a�� at the very least by nearly 5,000, or one in six, based on AP's limited review of some of the contracts a�� because some federal agencies and recipients of the money provided incorrect job counts. The review found some counts were more than 10 times as high as the actual number of jobs; some jobs were credited to stimulus spending when, in fact, none were produced.

My boyfriends wrote this for me....

My boyfriend works in a privately owned coffee shop in town where we live. Today, just seemed to be his lucky day. He works in the kitchen and is a barista there as well. He was cutting hummus in a broken, decrepit food processor that wasn't thrown out or replaced and is owned by the owner of the store. Well let's just say that this processor is WAY beyond repair, you have to use a pencil to turn it on and off. I mean come on. <(As a side note, food processors have a built in safety mechanism that keeps them from operating when the top is off.) Anyway, he chopped the hummus and after making sure it was off, like any capable human being would, he reached inside to take the blades out to refill and continue doing his job, when it shorted out and turned on while his hand was still inside. Needless to say, it was pretty bad. So after getting to the hospital, checking in, being seen by the doctor and leaving, he comes to find that the owner has been making his other fellow employees sign a form that stated he put his hand in it while it was still on and the top was off, when in fact there was was about four other people in the kitchen when this occurred, but no one saw it happen or mentioned the fact that it was still on. Okay, a couple things I should fill you in on before we continue. One - the owner of this restaurant is a ex-serviceman and accountant. Two - half of her "employees" are actually volunteers working for food credit, Three - It is NOT a known fact if she has actual business insurance or not, Four - She's fighting Worker's Compensation about this incident. Five - She actually stated to other employees that if he has outside insurance, there would be no need to claim through workers compensation. If you where in this situation and dedicated your life to help run another "good natured" person's business, a STRUGGLING business at that, to keep it open, what action would you take? If you are like me, I told him to sue her ass.

My boyfriend works in a privately owned coffee shop in town where we live. Today, just seemed to be his lucky day. He works in the kitchen and is a barista there as well. He was cutting hummus in a broken, decrepit food processor that wasn't thrown out or replaced and is owned by the owner of the store. Well let's just say that this processor is WAY beyond repair, you have to use a pencil to turn it on and off. I mean come on. <(As a side note, food processors have a built in safety mechanism that keeps them from operating when the top is off.) Anyway, he chopped the hummus and after making sure it was off, like any capable human being would, he reached inside to take the blades out to refill and continue doing his job, when it shorted out and turned on while his hand was still inside. Needless to say, it was pretty bad. So after getting to the hospital, checking in, being seen by the doctor and leaving, he comes to find that the owner has been making his other fellow employees sign a form that stated he put his hand in it while it was still on and the top was off, when in fact there was was about four other people in the kitchen when this occurred, but no one saw it happen or mentioned the fact that it was still on. Okay, a couple things I should fill you in on before we continue. One - the owner of this restaurant is a ex-serviceman and accountant. Two - half of her "employees" are actually volunteers working for food credit, Three - It is NOT a known fact if she has actual business insurance or not, Four - She's fighting Worker's Compensation about this incident. Five - She actually stated to other employees that if he has outside insurance, there would be no need to claim through workers compensation. If you where in this situation and dedicated your life to help run another "good natured" person's business, a STRUGGLING business at that, to keep it open, what action would you take? If you are like me, I told him to sue her ass.
Yes in fact he can. It was his finger, not his c*ck.

My boyfriend works in a privately owned coffee shop in town where we live. Today, just seemed to be his lucky day. He works in the kitchen and is a barista there as well. He was cutting hummus in a broken, decrepit food processor that wasn't thrown out or replaced and is owned by the owner of the store. Well let's just say that this processor is WAY beyond repair, you have to use a pencil to turn it on and off. I mean come on. <(As a side note, food processors have a built in safety mechanism that keeps them from operating when the top is off.) Anyway, he chopped the hummus and after making sure it was off, like any capable human being would, he reached inside to take the blades out to refill and continue doing his job, when it shorted out and turned on while his hand was still inside. Needless to say, it was pretty bad. So after getting to the hospital, checking in, being seen by the doctor and leaving, he comes to find that the owner has been making his other fellow employees sign a form that stated he put his hand in it while it was still on and the top was off, when in fact there was was about four other people in the kitchen when this occurred, but no one saw it happen or mentioned the fact that it was still on. Okay, a couple things I should fill you in on before we continue. One - the owner of this restaurant is a ex-serviceman and accountant. Two - half of her "employees" are actually volunteers working for food credit, Three - It is NOT a known fact if she has actual business insurance or not, Four - She's fighting Worker's Compensation about this incident. Five - She actually stated to other employees that if he has outside insurance, there would be no need to claim through workers compensation. If you where in this situation and dedicated your life to help run another "good natured" person's business, a STRUGGLING business at that, to keep it open, what action would you take? If you are like me, I told him to sue her ass.

So I have printed out my credit report and intend improving my credit. After I pay for my negatives will they disappear immediately?
So once I pay something will anything improve?

I am a part owner of an inherited home. There is no mortgage. 4 out of the 5 owners put in an established amount of money each month to cover expenses. It is a summer home. However one of the five never pays their share. Further this person is in arears in personal finances as well. this person is at risk of defaulting on several loans/credit lines in the very near future. I fear that this will result in a lien being put on the shared property as this person owns nothing else. Will this lien effect the 4 other individauls' credit scores? If we 4 (non-delinquent) owners need to take out a home equity loan for roof repairs on the shared home will this person's delinquent credit effect that?

How do you pay for your auto ? Do you just take it out of your checking or savings or do you use your credit card? Or do you have money set a side? What is the best way to pay for your auto repair bill ?

I had an accident with a rental car about 3 monts ago. I bent the car back door and back part of the car hitting a concrtete post trying to avoid upcomming car in a parking garage. The rental car calim is for $2100. My deductible is 500 and direct repair cost is about 1600. I did not notify my insurance back then because I thought the rental company would do that (I haven't been in that situation before and I did not know they don't notify insurances, even though I gave them insurance information) My credit card will probably pay up to 800. Should I call the insurnce for the remaining 1300, since I think they will probably increase my premium, no matter that I actually tried to avoid an accident with a car?

Please note that we do not give refunds on any item unless it is faulty or damaged and a receipt has been produced. We will first attempt to get the item repaired by the manufacturer if you so wish. We will only give a refund on faulty or damaged items that are returned within a reasonable period from the date on the receipt. It is the discretion of who serves you as to whether you are within a reasonable time frame. If an extra delivery cost has been incurred for the item purchased, the amount refunded, will not include the cost of postage. If you return an item because you no longer want it or because it was not what you were looking for/not the right item, you are not entitled to a refund and it is discretion of the member of staff who serves you, if they wish to give you a credit note, they are not obliged to do so. If you are aware of a fault before purchase and still carry out the purchase, you cannot receive a refund or credit note if you return the item because of that particular fault. Items that are returned because a fault has arisen due to neglect or mistreatment, you are not entitled to a refund or credit note.
So, is it up to us how long people have to return an item, to make the reasonable time frame. As there are not many staff, as long as we all know what is an acceptable return, then i suppose leaving so much up to the staff at the time is ok? I'm just worried what i have there doesn't confirm to the seemingly strict law on refunds! We did use to say no refunds (only if it was something that the customer bought and was wrong, for example, a lady bought a screwdriver set but because the handle was too smll she brought it back, we gave a credit note, is this acceptable? By rights we did not have to give a refund or credit note as it was just something she no longer wanted? Thanks for help so far
It is for my dads shop. He has asked me to make a returns policy. I was going to set a two week period, is this good enough? What could i do about making the staff less dependant? I have read that it depends on the circumstances at the time, therefore i feel the staff could make the decision depending on the situation? Somebody came at the weekend and said "im moving out of the area and have this credit note for some batteries that i bought that were not the right ones, so can i have a refund as i will not be using it" so i just gave him the refund.

Oct. 1 Fontana invested $50,000 in the business by opening a checking account in the business name
1Received merchandise from Turk Company, $5,000, invoice dated September 29, terms 2/10, n/30, FOB shipping point.
1 Issued check # 230 to Walters Realtors for Oct and Nov rent, $4,000.
1 Issued check #231 to State Farm Insurance for 1 year liability insurance, $3,600.
2Purchased Office Supplies, $300 and Store Supplies, $500 from Sanborn company on account. n/30
4 Received merchandise from La Rock Manufacturing, $10,800, invoice dated October 1, terms 2/10, n/30, FOB shipping point.
5Purchased Store equipment, $6,000 and Office Equipment, $10,000 from Sanborn Company on account, to be paid over the next 2 months
6 Issued check no. 232 to Rabbit Company for repairs accounting office walls $420.
7 Received $800 credit memorandum pertaining to October 4 shipment from La Rock Manufacturing for return of unsatisfactory merchandise.
8 Issued check no. 233 to Emerald Company for freight charges on October 1 and October 4 shipments, $368.
9 Sold merchandise to R. Kuldip, $2,000, terms 1/10, n/30,
invoice no. 725.
10 Issued check no. 234 to Tark Company for full payment.
11 Sold merchandise to A. Imoto for $2,500, terms 1/10, n/30, invoice no. 726.
12 Issued check no. 235 to La Rock Manufacturing for balance of account.
13 Purchased advertising on credit from WRRT, invoice dated
October 13, $900, terms n/20.
15 Issued credit memorandum to A. Imoto for $100 for merchandise returned.
16 Cash sales for the first half of the month, $9,340. (To shorten this problem, cash sales are recorded only twice a month instead of daily, as they would be in actual practice.)
17 Sold merchandise to N. Floy, $1,400, terms 1/10, n/30, Invoice #727.
18 Received check from R. Kuldip for October 9 sale for amount due.
19 Received check from A. Imoto for balance of account for amount due.
20 Received merchandise from Tark Company, $5,600, invoice dated October 19, terms 2/10, n/30, FOB shipping point.
21 Received freight bill from Summers Company for merchandise received on October 20, invoice dated October 19, $1,140, terms n/5.
22 Issued check no. 236 or advertising purchase of October 13.
24 Received merchandise from La Rock Manufacturing, $7,200, invoice dated October 23, terms 2/10, n/30, FOB shipping point.
25 Issued check no. 237 or freight charge of October 21.
26 Sold merchandise to R. Kuldip, $1,600, terms 1/10, n/30,
invoice no. 728.
28 Received credit memorandum from La Rock Manufacturing for defective merchandise received October 24, $600.
29 Issued check no. 238 to Western Company for purchase of office supplies, $700.
30 Issued check no. 239 to Tark Company for half of October 20 purchase.
30 Received check from N. Floy.
31Sold merchandise to Imoto for $2,000 1/10,n/30 Invoice #729.
31 Cash sales for the last half of the month, $8,120.
31 Issued check no. 240, payable to Payroll- Checking Account, for monthly sales salaries, $3,600 and Office salaries $1,000.
31Issued check #241 to the owner $1,000 for personal use.

Im in a bad situation.....i have a blown head gasket....i have the horrible symptoms now of coolant in my oil...the dipstick is a milkey color....and i have all the symtoms of a blown head gasket....i knew the car had a cooling problem for awhile and ive done everything i can to fix it...flushed system..used some sealents...new pump..new cap...thermo....ect....but last week the worst happend i blew a hose and once i put a new one on ...on the way home the head gasket blew.....now here is my situation..im a poor broke college kid who disperatly needs a car on the road.....i only have $500 to put towards a car and all the dealerships have turned me away ..being that i dont have great credit and they want more then $500 down..i can not take it to a shop to get fixed ...as i dont have $1500-$2000 ...ive been on craigslist every single day...and local ads...and auto trader and everything trying to get a car ..but no go.. .now im pretty knowledgable under the hood of a car...have done almost all my car fix myself...but a head gasket job i think is a little over my head....whats your advice on me fixing it myself...and is there any "Really Good" head gasket sealer out there? ..Bars did not work...and Prestone Super Sealer did not work... im thinkin of trying the Blue Devil head gasket repair..but i dont want to shell out $60 for another crappy sealer.... .. .i know i shouldnt use sealers in the first place...any advice for me?..I ride my bike 20miles a day now to get to school...its great excersice...but......

1995 Oldmobile Aurora
195,xxx
Blown Head Gasket
rest of cooling system fine.

I have collection ($3000 rent 2004) and late payments on my file.

Iv'e heard they send letters but how can I learn aboutit to do this for myself and my friends and family?

So I'm in a terrible situation right now. I deliver pizza's. It's a good job and I get overtime every week. I'm not trying to lose the 1500 a month because of car problems. I just spent 250 to get the brakes redone just to find out that there's something wrong with the motor when the truck dies as soon as i get home from the repair shop. Won't start anymore.

I just got approved for a $600 max credit card and it's in the mail right now but it's only the second business day from the 7 to 10 they say it should be there in. That's too long since i have to work on Wednesday. I was thinking. Maybe I can call my bank or credit company and get my card number and expiration. Or maybe go into the bank to get it. So i could just give the tow service and auto repair shops my number to pay.

Will the tow service not tow if they can't swipe the card? Will the repair shop repair with just the number without the card? Will the bank or credit agencies even give me my info over the phone or in person? Any other ideas of solving this situation?

Ok..here's the deal..I jacked my credit when I became 18...now 24 suffering from my bad choices. I am now attempting to repair my bad credits/debts on my credit report.

{{{How does the 7 year drop off rule work?}}}

I ask that because some are CLOSE to being on there for 7 years...AND while I am paying them off 1 by 1...I can't take care of them all in time, etc.

((I still plan on paying off every single one of them off, but if they drop off my credit report in the meantime, I won't complain of course))

{{{Will calling them all and setting up payment arrangements and paying as agreed restart the 7 years?}}}

And i've recently noticed that one has been given to yet another collection company

{{{Does that start the 7 years over also?}}}

I need to put my car in the shop for repairs today but can't seem to find any legit places to get a personal loan with a bad credit history. The previous entries from others containing similar questions all have bad links from suggested websites.

Also, I'm sick of these payday advance websites. Although I have used them before, the last time I applied for one, it was a scam. It seems like every site I search and come across now is for a payday advance.

I just need to get emergency cash and rebuild my credit at the same time. I have no family or friends that are able to help. Does anyone have any ideas for obtaining emergency cash with a quick turn-around of funds?

I have a house in san antonio texas that i would like to rent it out, i have done all the repair and the house is in ready conditions. i am not sure how do i go about getting all the paperwork once i find a tennant. stuff like background check, credit check and agreements. where do i get the forms, where do i do all these checks? are there trusted online services that do all that? Any info will be helpful.

My husband died early this year. He had, so he said, and insurance policy for $88,000.00. He got papers every year from Prudential which he opened and put away. When he died, however, and I called the company, I found out that he had lied, (not the first time), and the only insurance he left was a 2000.00 policy in his parenta��s name, he had let the other policy lapse last year.

The house I am living in now was in foreclosure...my late mother in law bought the house back in 1996 and we paid her rent money every month towards the mortgage payments. After she died, my husband took the advice of a friend of his at work who told him, "You don't have to make any house payments until the probate is settled", which of course was not true. So my husband, while assuring me he was making the house payments from a checking account he had in his own name was in fact not making them, and lying to me about it. (YES, I KNOW he was an idiot, but it gets worse.)

Without telling me a word about it, he allowed the house to go into foreclosure, it was a default case, and he didn't even OPEN any of the papers he got from the court. The papers all went down to his late mother's house, since the loan was in her name, and I didn't see them, or I would have taken steps to stop it. (He also let her house go into foreclosure and lost it at auction last year. Yes, an idiot.)

The first I heard of it was when he told me that the house was due to be sold at sheriff's auction. Frantically, I looked on line and he declared emergency bankruptcy with less than 24 hours to go before the sale. He then went through Loss and Mitigation. Right now, they want to refinance the loan but the loan is STILL in my late mother in laws name, even though I have sent them 4 copies of her death certificate, and called them 7 times to explain the situation.

I don't even WANT this house any more because I cana��t stand it, it needs major repairs, and our next door neighbor is crazy and keeps gossiping about us all over town and is showing an unnatural interest in my pretty 19 year old daughter.

We saw a house in town that we love and can get for $65,000.00. Unfortunately, I don't have much money at all, since I had to pay off a few creditors after my husband died unexpectedly in February.

Right now I am not working; I lost my job early in 2008 after the company I worked for went out of business. I have been applying for jobs ever since without success, and believe me I'm not picky. I don't have a very good credit history right now, since my late husband and mother in law took out credit cards in my name after we moved and the applications came to my mother in laws house (where we had lived) and they filed them out, maxed them out, and never paid on them. (My husband told me at first it was my mother in law who took them out herself, telling me this after she died, then late in January he confessed that he had taken them out with her too, (Believe me when I say if there hadn't been a death there would have been a divorce)). So I don't know if that's why I can't get a job or if it's my age. (I'm in my mid 50's and a lot of companies are hiring younger people now.)

My 22 year old son, who is out of school and working, and my 19 year old daughter who goes to school and works part time live with me, and I get a Social Security check for me and my 12 year old daughter every month. We want this house very badly, I can't sell mine right now because it needs too many repair jobs, which my husband never did, and I don't have the money to have them done.

We really want the other house. Is there anyplace we can get a loan in our situation? Anyone who can give me some good advice, (and not smart mouth me about my situation, or my horrid late husband and his equally horrid mother), I would so appreciate it. This house is driving me to despair and I so want to start out in a new place, fresh away from any reminders of my late husband and away from the hideous neighbor. (This reads like a bad movie, I know, but ita��s all true.) Thank you!

I AN RENTING A RENT TO OWN HOUSE NOW THAT IS SELLING FOR $185,000. THE OWNER IS WILLING TO GIVE ME MY FIRST YEARS RENT BACK AS A DOWN PAYMENT($14,100) I CAN COME UP WITH $6000. MY CREDIT IS AS BAD AS BAD CAN BE. WHO CAN I CALL THAT CAN TELL ME WHAT I NEED TO DO IN THIS NEXT YEAR AND A HALF TO REPAIR MY CREDIT ENOUGH TO BUY MY HOUSE?I ONLY HAVE UNTIL APRIL 2009 OR THE $14,100 DEAL GOES AWAY.I HAVE TO DO THIS IN THAT TIME FRAME BECAUSE THERE IS NO WAY THAT I AM MOVEING AGAIN AND I'll NEVER BE ABLE TO SAVE $20,100 AGAIN. THIS IS AN OPPERTUNITY I HAVE TO TAKE ADVANTAGE OF AND CANT PASS UP. PLEASE HELP ME...

I get a lot of emails from Lexington Law Firm and a few other companies to repair my credit but I don't wanna be scammed.

I'm having a bad week. I totaled my regular car and have a rental car while it is in the shop being repaired. I declined the LDW from the rental company because my credit card said they had it covered. Then, today, I think I rubbed up against a curb and there is a scratch on one of the rims. Pretty big.

Can I get the rims repaired or replaced on my own? I'm pretty sure it will be cheaper to do that than to pay any ridiculous amount that the car rental place will charge once/if they see the damage.

Are auto shops allowed to do work on rented cars?

ok..so these are the first entries BEFORE adjustments but i dunno the correct sequence;;;

Cash
Shop Supplies
Equipment
Furniture
Accounts Payable
Notes payable
Estrada Capital
Estrada Drawing
Repair Income
Utilities Expense
Salaries Expense
Advertising Expense
Rent Expense
TOTAL
....

And these were the adjusting entries:
Bad Debts Expense
Allowance for Bad Debts
Depreciation Expense
Accumulated Dep'n - furniture
Accumulated Dep'n - equipment
Accrued salaries
Shop Supplies unused
Accrued Repair Income
----

Please correct the sequence of ADJUSTED ENTRIES. Should the credited entry be immediately right after its debited entry?

Thanks!

How do you start to repair credit when you're still in debt?? I have stopped using credit cards or taking loans. I have outstanding debt (around $10,000, $3000 credit card and the rest personal loan from a bank). My credit is bad because I lost my job and couldn't keep up with payments. How can I begin to fix this? Is this considered massive debt, will it screw my chances of having a "normal" life?
Some of these accounts are already in collections

I am a member of lexington law and they claim that they can repair your credit by have things removed. Is this so? Is paying $30.00 a month worth it?

I used to have 2 credit cards from Citibank (in the Philippines) -- Visa and MasterCard. Unfortunately, I was not able to pay these cards on time so I decided to cancel them while paying for the remaining balance. However, I was only able to pay off completely one credit card. Now that I'm more financially stable, I decided to apply for a new credit card. Unfortunately I was declined probably because of my bad credit record. Now, I'm looking for a reputable company (in the Philippines) that can help me repair my credit record .

or should I go to reular counselors?

Alright so up until like 3 months ago I was able to play WOW-WOTLK on my laptop without any problems, this morning I decided to start playing again and I had to download a patch but then a 'localization.xml' error popped up and I haven't been able to successfully play the game. I went on various websites to see if I could get help, including Y!A where one person was advised to use use RegCure (a supposed free register cleaner/repair) which I downloaded too and had a scan run through my laptop. Unfortunately when I was it was time to repair all the errors in my computer it asked for a credit card payment which I declined, supposedly it was a free scan and repair?
Can anyone help me out, apparently Blizzard hasn't been able to do much with this problem which other people have encountered too.

I should have asked to see the room before I agreed to book the room. The trip was a family medical emergency, last minute thing and all of the hotels were booked because of local events in town; however, the place was so filthy and in bad repair. The room service hung up the same wet dirty towels that I had used previously and the bed sheets were not changed (I placed a piece of paper inside the corner of one of the sheets - still there, along with stained sheets). Shower was filthy as well as walls, doors and trim. Hair left in sink, but of some type of cigarette in drawer (non-smoking room) from a previous customer. I asked for a refund. They said I would have to go through my credit card company (MasterCard). MasterCard says they can do nothing since I did stay there, anyway. This place should not be allowed to operate under these conditions. Contacted the Better Business Bureau, but they say that they really don't handle complaints, per se, as this one. Health Department??? Who do you suggest? It angers me that they took my money and did not provide decent service. They are nothing more than crooks!

I am a mechanic and I am thinking about starting my own repair shop. I'm tired of working for somebody else. I have good credit and some liquid capital saved. I was wondering what the cost of insurance would be for this venture. What types do I need? I know I will need it for accidents to customer's vehicles as well as some kind of liability for injury. Does anyone out there own their own shop? Anyone work in insurance? I don't want to start searching for quotes yet because I don't want to deal with the phone calls from salespeople yet.

I'm currently an RCA, even though I live in the city. I have to drive about 40 minutes to get to the post office I work at.

I went for RCA because I didn't want to wear the uniform, and liked the idea of getting the extra money for mileage/maintenance. So I bought a 2003 Prius to deliver the mail in.

It's working out pretty well...except I'm starting to get worried about the cost of repairs. Multiple people have told me that if you work several times a week, you end up spending so much on car repairs that you end up with the same amount you would have gotten for working two or three days a week.

This is my only job, so I can't really afford to buy a backup car.

I'm just now getting close to the end of my first 90 working days...but I'm still getting back from my route just in time for dispatch, especially if I work on a Monday. Part of what's slowing me down is my car--it's not converted, so I spend a lot of time getting in and out to rotate the trays of mail, I can only fit one tray up front at a time.

I know I'd have to take the city carrier exam, when they're hiring city carriers. I'm pretty sure I can get a good score, especially since I have bonus points for being ex-military.

I do *not* intend to work for the postal service as a career...I'm only doing this to pay off my credit card debt, then I'm going to go to school with the G.I. Bill. So losing my seniority (not that there's much of it) towards full time is not an issue.

Someone who's done both, preferably.....Should I get my car converted and keep being an RCA? Or should I go ahead and try to get a city carrier position?

credit card

2009-10-30T05:33:00.001-07:00

You can get credit card debt relief with the help from debt settlement companies. Some of these companies are not always honest in what they tell you. So.Zong+ makes mobile micropayments more like regular micropayments. We have screenshots.Think you're avoiding extra fees by being savvy and paying off your credit cards in full every month? Maybe not any more. Some companies, including Bank of America and Citigroup, may start charging credit card holders for not using ...Credit card fees can really ad up if you don't pay attention and use your card how it should be used. Read our guide to minimising the amount of fees you have to pay with your credit card.NEW YORK a�� Not only have credit card companies continued to use practices that will be outlawed under a strict law due to take effect in February, in many cases their policies have gotten harsher since the law passed.The Minnesota Vikings official team logo can now be featured on the NFL Extra PointsA?a�zA? Platinum PlusA�A� VisaA�A� Credit Card.Shops will be able to pass on the commissions they are charged for credit card use to the consumers' bills.Establishing that the Houston Independent School District has handed over credit cards to people with dubious credit is one thing; naming those employees with.Credit card woes? Let's talk. Join us Tuesday - November 3 - for a live chat with credit card expert Curtis Arnold, founder of CardRatings.com. Arnold will take questions about your credit card rights, credit scores, best cards out ...So why exactly should someone have a credit card? Rewards points? 75% of airline miles go unused and even if they don't, the extra money that you'll spend by having a credit card easily overwhelms the "free" flights you'll get. ...
Have you ever heard of the laptop brand prius before? Please tell me it is a good brand. I live in the Philippines and next to us is a computer store having this laptop for only Php. 7, 000.00 or $ 140.00! I'm a student in the Tarlac State University and would use it for word processing, presentations, spreadsheets, wifi connections, iTunes, and everything a normal student would do.

You can also list down what other laptops fit me. Please give me the specs, price and where to buy it. Apparently I don't have a credit card because I'm only 13 and my parents don't have either.

My Budget is around $400.00 and less

How can I Become Verified Paypal using my bank account in india at West Bengal ? If I have a Canara Bank account, how can I varify my paypal account with this?I dont have any credit card or VCC. If there is any risk,please tell me as soon as possible.

Ok i order my graphics card 10 months ago with another thing (wirless adapter) i returned it cos my graphics card was faulty, they confirmed that and told me that it was going to be replaced they then said it was out of stock but really it was discontiued, i contacted them and they said they would put the ammount i bought the graphics card originally for back in my ebuyer account as credit! On my ledger it says that A?120 was paid to me as credit on ebuyer account but then its says that i ordered the discontiued item along with the adapter i bought 10 months ago, the little thing in the right hand corner saying account credit says = 0.00

Whaat?? i sent an enote any ideas people?

i don't have a credit card and want to use pay-pal with my bank account.it needs at least one credit card i think.
is it really possible to create a account without any credit card.
if yes how to do that.
please give me full procedure to that because i tried but it didn't worked.
pleas help its urgent.

can someone send me a direct download link for either one. a bittorrent would be amazing. for Chocolatier i don't mind if its the 1st or 2nd version.

i know its stealing, but i don't have a credit card, and its a vacation so i'm bored out of my head. thanks in advance!

currently i'm living in Nepal and studing B.Tech In Biotechnology ..I have won a DV lottery but i'm too much tensed concerning that how to continue my study..I don't want to leave my study and also donot want to miss the opeertunity of getting Green Card... Can i maintain my study cost in US myself by doing some sorts of works? What is the process of Credit tranfer ? my parents can't afford me to study there due the the financial condition so if I can't manage myself it will be very difficult to continue my study? What should I do in this case?

I have just got a solo card (I'm 15). Does it just work like for example if I had 200 pounds in my account and I bought something for 40 pounds with it, I would have 160 pounds left? Because I don't really understand what 'credit' and 'debit' means?

Every month on receipt of my Credit Card statement I have prepared cheque for total amount write the cheque date is due date and dropped it drop box before due date. But the banker's (Stan Chart) levied late payment charges & inform as "In the event you are paying your credit card dues via cheque, we
request you to drop your payments in the cheque collection box atleast
3 working days in advance of your payment due date, to facilitate
timely credit of funds into your card account. Please note that the
payments will be credited only post clearance of the cheque." But icici, citi banks are not charged like this... is it legally correct???

I tried applying for my first credit card with the bank Chase and wasn't approved. I applied for a Chase Freedom Master card. The letter I received said that I had no information in the credit bureau. I understand that I don't have any credit information because I've never had a credit card before to build my credit score, but how am I expected to do so if I can't get one to begin with?
well jimmy, I've added all my details. I haven't missed a single thing. The letter said "The reason(s) why you did not score well compared with our other approved applicants were: No information in credit bureau" so apparently that is all the reason they need not to approve me.

I lost my game ID password.. I don't know how to retrieve it as I'm not sure which Email I registered my Konami ID to, I looked in all my emails and i can't seem to find it! .. Now i have no account to play MGO with :( I have to pay 7$ to buy another character slot and where I live I can't use the MGO store as we never use credit cards, and my country is not listed in the country list!

Can anyone please tell me how to get another Game ID or Konami ID for free? Please?

Will formatting my ps3 give me another ID? Does anyone have an extra ID to play mgo with? Can anyone pay 7$ to help me?

Many thanks to whoever replies :D

PS. I asked this question in the Play Station section but no one answered...So I'm hoping to find an answer here.

I am 19 me and me girlfriend are going to get married and we want to get a house we both work full time I make about about 15000 and she makes 25000 annually we also want her mom to move in who gets around 12000 a year and with help with the mortgage. My girlfriend has bad credit because of not having medical insurance so has medical bills and the city she lived in left her utilities on in old addresses for years 6 in one location so she has thousands owed to utilities and her mom is in the same boat. I currently am also a full time college student I work very hard as does my girlfriend and I want us to be able to get a house. On paper I make so little but I only have good credit with my car payment which has been paid on time for the 10 month lifespan of the loan which is 2 years (totaling $2500) although I am saving up and will have it paid off by February though and the only other thing on my credit is my student loans ( totaling $8250)which i am also in good standing with, I know all of this because I checked my credit report but not my credit score because it costs money and I don't have a credit card also though I have applied for a discover card and was declined the only other checks on my credit were twice when I was looking for a car and my bank twice trying to get credit over draft protection and my car loan a have a co-signer. I am no longer living with my parent but the rent isn't in my name all the bills are though but only since July this year. The house market where I live we could get a nice house for about 50,000 we wouldn't be able to make a big down payment but want to take out only a ten year loan and could afford an interest rate up to 9%. We have heard the are going to extend the 8,000 first time home buyer tax return till April next year which would be nice for paying off the home early but we would definitely like be in a home before next summer and 8K would be nice too but what things I should do to try to get this accomplished. Would getting a credit card with an annual fee and always paying the balance be a good idea because I thought the cards you have to pay to have are a scam or didn't report to the credit bureaus; and how do I get pre-approve and would this be a good idea at this point or would it be a waist of my time and make my score worse?

I mean, is it possible to have a Paypal acoount without credit card or debit card? I like to buy and sell with Paypal...

Okay, I got a psych evaluation once when I was 14-15 years old, but they wouldn't diagnose me because I wasn't 18 yet. I'm 20 years old now and my symptoms have been getting worse.

The last time I got a psych evaluation, it was state ordered. I'm not sure how to get one voluntarily.

I DO know that I definitely need some help. My life is basically falling apart and I've got new symptoms, as well as the old ones getting worse. My roommates all say I need a psych evaluation very badly because they've noticed some odd behavior I, myself, wasn't even aware I was doing.

-My arms and legs shake involuntarily. When this happens, I don't even realize it until someone says something about it.

-I've been having some really weird flashbacks.

-Two main voices seem to haunt my mind. One is an older man whom I am very afraid of. One is a little girl whom I feel sorry for but am also very afraid of. I've gone so far as to actually think I've SEEN the little girl.

-Sometimes I hear voices that aren't saying anything. They just sound like hundreds of people whispering in my head all at once.

-I've developed a fear of leaving my property by myself. I can't go any farther than the end of the driveway unless I'm in the car without getting extremely confused and disoriented.This happens in stores like Wal Mart and Dollar General as well.

-I can't bring myself to speak to anyone that doesn't live in my household. I went to the store the other day. The cashier asked me if it was credit or debit and I answered her by putting up 2 fingers to indicate that it was a debit card. I WANTED to say it out loud. It was just like something was stopping me.

-I've got other symptoms as well that I am not willing to discuss, but I am very scared right now and figure this is pretty much anonymous so it's safe to ask for advice.
I don't think I'm crazy. I just get scared over the strangest little things and I'd prefer not to have to take pills, actually.

All I want is for my life to go back to normal.

I was on pills when I was younger and they made me feel like a zombie.

Plz, i need someone to tell me if it's possible to negotiate reduction with my credit card company and how?

Anyone have information about ordering from XUBEX? I recently got a prescription that is over $200 for a months supply. This site seems credible (I found it while looking up side effects on Web MD), but I still am worried about giving my credit card number out. Any suggestions or information is GREATLY appreciated!!

My fiance loves this game and he has been a lil upset cause he can't find them anywhere. I don't want to use a visa gift card b/c they charge you $20 bucks just for the card and than you add the amount of money you want. And we currently are trying not to use our credit cards.
Thank you so much for your help.

Alright so just a day ago I suspect I got a virus i'm not sure because nothing appears to be wrong but at first my computer was acting up like the internet but it has been working good since I just think it was a problem on Vuze's side while I was downloading. I was able to download Lavasoft Ad-Aware. I scanned the computer and nothing was detected and I fully deleted any recent downloads from Vuze just to be sure. I stopped using Vuze for now and my internet is working but on myspace it wont save my passwords yet on other sites it does I did do a delete browsing history before hand before I did my system restore. Now when I click remember password on myspace it doesn't do it? I then took my bank acct and credit card off of Paypal am I safe? for at least that part of it. I'm confused because a Virus isn't picking up on the programs yet my password wont save on that site?
Oh and whoever doesn't give me a straight up answer I will delete this question and nobody will get a best answer I don't want F**king download sites I want a answer.

i got a default judgement for not going to court i didnt go because i new the debt wasnt mine and now im getting garnished is there a way to get this back in court and if so how would i go about doing it and reversing the judgement they cannot provide the application for the credit card they said i had they only had a list of transactions they said i made

Ok so im a 16 year old boy who lives in dallas tx and when i was at the mall one week ago som1 had stole my wallet.
ther was my license
school id
rec center id
and my ssn written on the bak of a receipt
do i do anything? cuz its not the real ssn card and also im just 16 what can they really do? my dad told me not to do anything like call the hot line but idk if its ok still cuz ppl can still make my credit go bad right?

Not the tracks, the actual movie. I loved the movie as a child and can't seem to find the dvd for sale anywhere. I don't have a credit card or else I'd purchase it online.

i book a lot of domestic tickets (both railways and airways) within India for family. i wanted to know if there is any credit card which would give any benefits on ticket booking ...like adding certain points , etc ?.

I need it for these reasons

1. Buying things online. I have the cash but it's not like I can feed the bills into my computer lol
2. Sometimes I have the cash in my bank account and not in my wallet but can't withdraw it for a while so having a credit card would make help me if I run out of pocket money
3. Decrease the size of my wallet or maybe even switch to one of those metallic clip things

I won't be using it to buy things I don't already have the money for, or things that will take me months to pay off

What do you recommend?

I was thinking one of those Citi cards for the security protection thing, what do you think?

links would help

I asked it a few days ago, but here we are again. My Great Dane puppy is 100lbs now, and she's getting spayed in a few weeks. Anytime after she'll start her cycle and I truly believe dogs should be spayed before their first cycle.

Anyways, there is no other option for me but to spay her, she's not show quality, she doesn't need to be fertile. Period. The only issue is that at my vet's the cost for a 100lb+ dog is $300 for a spay. He doesn't take payment plans or credit cards. I looked into the Humane Society like you guys suggested, unfortunately they have a weight limit at 95lbs. We'll ask if they'll allow her, but so far I can't get a hold of anyone.

Any other suggestions? Maybe extra money making solutions or other low cost spaying options?

what is the difference between Euro credit Cards with Dollar credit cards?

im trying to find a free anti-virus program that doesn't require a upgrade to be able to remove my spyware and viruses. or requires a credit card b4 a download ive tried Norton,avg,and cyberdefender and got no where with the programs other than i needed to go online and register.if u know of a program that removes viruses and protects my cp against them please help. thanks.

Our town, which is around 104 thousand, has two Taxi xompanies. Neither one takes debit or creidt. Think I could get an older used car and a credit/debit card machine and start up services? I thought it would be good, because a lot of people do not carry cash, and it's too expensive to drive around looking for an ATM. What do you all think?

I have been asked to sign in there several times. However the one time i tried my bank called asking me to confirm three charges. But when they looked them up the charges were denied. Minutes after I submitted my card number I was sent charges so I canceled my accounts because it stated that after three days i would be charged thirty something dollars for three different sites so i canceled them all immediately. Has anyone used this craigslock and is it really free. Im confused because it even states when you sign in that its illegal to charge to credit cards for age verification. My email is jockothwor@yahoo.com please let me know if you have had success at this is it free or not. thanks.

Previously, I had absolutely no debt, paid my credits card off each month, owned my cars and home (no mortgage). I found a new home at a great price pulled money out of my investment account for the down payment and took out a mortgage for the rest, and now trying to sell my original home. I was sure this would hurt my credit rating, but with the mortgage it IMPROVED my rating by 10 points!! I certainly am stressed out now because I just got laid off from my job last week, and feel I have screwed myself by putting myself in a position to have to pay a mortgage with no job.

But my question is why does having a mortgage INCREASE your credit rating? I use Experian to monitor my credit score.

Chase just approved me through the backdoor number for a Sapphire card with a 5000 limit. How long will it be before customer care has my account information? the guy said it was approved pending verification be

I had Comcast this last summer and when I moved I canceled and returned the modem I was leasing from them.

Problem is they are now claiming never to have got the modem and just called to say they are going to charge me 500$ for it in 24 hours if I don't return it.

I moved away and the paperwork for the return is long gone. They have my credit card information so I don't know what I can do, willing to freeze my account or something like that.

For clarity the charge hasn't been made yet.

Okay, I live in Seattle, and the rest of my family lives in Los Angles, and I can't stand them. Even my grandparents. I love my close family, aka my mom and dad, and my dad is really cool and he understands that i do not get along with those people. I am going to college and working and i am living in the house. but what is happening is my grandparents are getting older and weaker each day and i think my dad is becoming a little less understanding, and i think i am going to start losing my car and i don't really know what's gonna happen next. Me hating those people started a good five years ago, and for the past four years i have been sticking it out and i just can't do it anymore. Those people are just terrible, including my grandmother. my grandfather is pretty cool, and the past four I went only to him. the rest of the family is just terrible, and i loath even thinking about them. Here is were I need your advise: As i said I work and go to school. I have no payments on my credit card, and i pay very little for my car insurance and gas. Maybe I can move out, and if worse comes to worse, I can even quit school. But will moving out solve anything? Should I stay in school? I really don't know,but I can not go back to LA anymore. I am done seeing those people, but I don't want to lose what I have here at seattle either. Please give me any helpful advise or comments. Thanks.

Mr. A purchased some grocery items from a departmental store. At the time of payment, he offered his credit card to the seller. The seller allowed Mr. A to leave with the goods. Why? Has Mr. A made the final payment?

I bought tickets for tomorrow with my mom's credit card, but she won't be going, so is there a way that I'll be allowed in if I bring her credit card and a photocopy of her license? Or what else can I /must I do?

Can i put money back onto a prepaid credit card with egold or moneybookers?

in 2001, credit card companies mailed 5 billion credit card applications to 262 million people. On average, how many applications were mailed to each person? Express your answer to the nearest whole number.
Thanks!

so i just got back from a "job" interview. a guy at my college got me to come in, i was very confused on what the job actually was, even more so when i got there. When he first explained it, it sounded like a great company but not after too long i could totally tell it was a pyramid scheme, im no dummy. so the guy and his "boss" were tryin to get me to fill out an application with my credit card and checking acct on it to pay the 200 "licence" fee. again, im not stupid, i did not do that. just told them id have to ask for the money from my dad. so apparently the guy is going to call me tomorrow. I think im just being paranoid, but they have my resume. phone number, address, email. whats the worst that could happen cause of that? nothing right? unless they wana come rob my house but i dont think thats gona happen. the whole thing was ridiculous looking back on it now. ne thoughts?

Does my credit card covers an item against theft? my mp3 player was stolen and I bought it with my credit card, chase freedom. I want to know if I'm covered, if so, what can I do, if not well thank you for your time.

Im sick of my life. My wife..myself.....money...everything. I could careless about what happens anymore. My wife and I fight daily. We never have sex..Im not physically attracted to her...We cant afford to pay our bills...credit card companies are calling are friends and family. I feel like im screwed in everyway possible. My business isnt doing to well. I dropped out of school....did i mention the money issue? I feel like God doesnt want anything to do with me. Im so confused right now. Im so stressed out..and my wife always nags at me...she just keeps pushing and pushing. I hate my in laws...and they hate me. MY family loves my wife so ....Everything is just going great. Im so disappointed in myself..and my life. I want to run away from it all and start new...ive been fighting and trying to make everything better for a long long time...but nothing budges. Ive about had all i can take. What should i do. Please no smart comments
by the way....Im not depressed. Just sick of the same old crap !

I've been really horny lately but all the sex dating sites I've found require credit cards and I can't respond to the girls. Help?

So I've made many trips to the BMV--10 to be exact--to get my State ID. Only a State ID, not my license....now of course I have to show my Social Security Card, proof of address, and because I wasn't born here in Indiana (Florida), my birth certificate. To get a copy of my birth certificate alone took about 7 months--guessing someone wasn't doin their job. But the 3rd or 4th time of going in to the BMV someone at the desk said I'm qualified and took my snapshot. And as their getting it registered or developing it or whatever they do back there, a different woman tells me I need secondary ID. No 1 told me that before. So they did away with my picture I guess, and I left. Anyhoo, I said I haven't heard of a seconday ID before, I thought that's why I had a SS card. She gives me this paper stating all the different forms they accept as secondary ID. Thing is I don't qualify for a single form on that entire list. From the IN BMV website:

Any document from the list of Primary Documents may be used as a Secondary Document.

* Certified academic transcripts from schools in the United States and its territories
* School report card dated within 12 months of application
* School identification card with photo or yearbook photo within three years of application
* An identification card with photo issued by a foreign consulate
* An identification card with photo issued by the federal government
* An Indiana identification card
* A driver license, identification card, or permit with photo issued by another state
* Original driving record from another state
* Valid form I-20 with a valid form I-94 and a F-1/F-2 status in passport
* Valid form DS-2019 with a valid form I-94 and a J-1/J-2 status in passport
* Indiana county pre-sentence Investigation report with clerk stamp or seal
* Indiana gun permit
* Indiana probation identification with photo, name and date of birth
* Letter from probation officer, caseworker, or social worker on official letterhead, certified with stamp or seal with the applicant's name and signature of the probation officer, caseworker, or social worker
* Prison release documentation
* U.S. district court pre-sentence Investigation report with stamp or seal
* Valid banking card or MasterCard, Visa, American Express, or Discover card issued in the name of the applicant with his or her signature
* Bank statement issued within sixty (60) days of application
* Form W-2 (federal or state) or Form 1099 with applicant's name and address
* Computer generated pay check stub with applicant's name and address
* Valid employee identification card with photo
* Valid Indiana professional license
* Valid insurance card
* Medicare or Medicaid Card
* U.S. military discharge or DD214 separation papers
* U.S. Uniformed services card
* Divorce decree certified by court of law with stamp or seal.
* Application of Marriage or Record of Marriage that is certified with stamp or seal

I'm 22, so the rules and regulations for a minor don't apply to me.
I don't got a state ID.
I don't got a high school id--didn't go here.
I've tried seeing if Social Security would help me. They said no cos I'm not using any benefits from SS.
I don't have health insurance.
I tried getting a credit card shipped to me. They all declined me, saying I need to give license or state ID information.
I've tried opening a bank account in my name--have to give id.
I could use my license as secondary ID, but I don't have 1.
I'd try getting a gun and using the permit, but I don't like guns and I'd have to show ID for registration.
The only thing I can think that I haven't done is maybe see if I can get a library card without showing ID and hopefully if I can sign my name on the back of it, maybe that could fall under the credit card option.

It's hard for me to sit here and wait for something that's essentially already mine. It's like I slipped into some kind of crack in the system. With how long I've waited for my birth certificate to be sent to me and my waiting for my state ID combined, I've *patiently* waited for about a year. I don't know how much longer I can wait. I odn't know what to do. If I can't get a library card, the only other option I can see is getting a criminal record, but I'm very much against that--don't got 1, don't want 1.

Please, is there anyone who can help me?? My life literally depends on it!!

...or will this added inconveniece stay? Many people have complained about it, and rightly so. It's not going to encourage prudence at all; quite the contrary, people will be saddled with more debt. Those who owe big will be the most to suffer, as well as those who have more than 2 basic cards.

As we all know, they were not really thinking about the rakyat's welfare; rather its just about cutting out some here, then pasting it back somewhere else.

Everything in it its brand new nvr used and is has everything im saleing it for 120 im dont like ebay cuse u gotta need a credit card i aint got 1 and i dont trust craigslist....So yea!!!!!!!!!
Sorry its an ipod touch!!!!!!!!!!!!!!!!!!!!!

I bought a computer about 3 years ago and it's the reason I got this credit card. In fact I don't even have the card anymore to even make purchases. I was just paying off the account and didn't really use the card. I have no use for the account at all. I have another credit card with a better interest rate. Should I close out the credit card account I just paid off or just let it be and not charge any money to it?

maybe its in the settings?

Credit Card Terminal - Wireless. I have a merchant account and called my provider and asked for a wireless terminal. They said I would have to set up a completely new second account an that it was not possible to have a wireless and internet/dial up terminal on the same account.
It seemed odd. Anyone use a wireless and fixed terminal with the same merchant account?

ok so i am playing the game and i got hacked and didnt get to play my full month membership and now i really want to play as a member and dont have a way to get a pass, i have no way of making money and no credit card. please does anyone have a extra game card? :):):)
email me if u have one, or post it here

I have a credit card and would be able to pay for both through that, but I'm wondering if I should do so because it's a 7,000.00 credit limit. both would be about a total of about 2500.

Also, what is the difference between a Macbook pro and the macbook I just saw for 999.99 on apple.com?

Also what's the difference between an Imac and mac pro? I'm gonna use the Imac (or mac pro which ever I decide to get) for recording music via pro tools. I will also use for other things of course.

If each month when I get my credit card bill I pay all of it off, do the APR and finance charges matter? Are they irrelevant unless you are late on payments?

I want a itunes account but i dont have a credit card. i need it to download apps but i cant becuase i dont have one. do youh no if theres a way to get the apps to my phone ordo youh know if theres a way to get a itunes account w/out a account

free money for college

2009-10-30T05:27:00.000-07:00

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I am a single mom with a teenager currently in college. I recently lost my job and living on unemployment which runs out in 6 weeks. I also am currently going back to college and am taking 4 classes per semester. I am already getting pell grants that are covering my books and tuition. I have taken out the max in student loan from Sallie Mae for living expenses which is only $3500 per semester. Every employer I have interviewed with tells me come back when you have your degree. Well I won't have a house or a car to drive if I keep going to school and don't have a job!! I do not own my home so I have no collateral and thanks to my oh so loving ex husband, my credit score is down to 515 and until I pay off the debt he racked up, my credit score will not budge. I am in some serious need of some kind of guidance if anyone has any. Seems all the "free gov't money for single moms" that I have looked at are all scams!

Sallie Mae and my bank would give me a private loan if I had a good co-signer. Don't have that either.

Thanks for you time!

MY bf and I are high school sweet-hearts. He is currently in college in another state ( 16 hours away) I'm working to save up to go to college this spring.

I'm 20 ( my b-day to day) and he is 19 ( don't worry its 7 month difference no big deal) we have been dating 20 months. he is my very first bf ever

last year he mind an effort to call and check on me at least once a week. but this semester it can be weeks, he has a new cell phone and it doesn't all ways get calls or text messages.

I plan to tell him how i feel tonight when we chat but i jut want to hear your thoughts

I feel ignored / forgotten in his life and sometimes like he doesn't really love me. i sometimes imagine him cheating on me but kn ow he wouldn't do that because after our first date i told him if he ever hurt me ( knowing that action would) i would "kick his ass" ( i was being protective of myself) i mean if he fell out of love with me i could understand but to cheat / lie to me is another thing ( falling out of love you can't help cheating you can help)

I called him and left a message to call back and when he called i asked him was there anything he wanted to say it took a few seconds then he wished me a happy birth day and said he got me a gift that he will give me when he get back Christmas break.

i know he loves me but sometimes it feels like he forget i need reassured and to know that he is OK and not dead in a gutter any where

i try to understand with class and school work its hard but there only so much, i try not to ask for much like just for him to remember my birth day, wish me a happy birthday call me at least once a week and over all just let me know. reassure me that he thinks of me.

am i being to selfish?

if i had money i would go to see him but to poor to right now maybe in the future if possible.

I have a job and getting seasonal work but while I'm falling a sleep or just have free time i find myself thinking of him, missing him back to the point of tears.

there is so much more i could say but i don't want this long ( rambling on)

if you want/ need more information PM and/or IM me

so what are your thoughts on all of it?

Obviously this looks simple off the top, but let me explain. I have a child (5) who is absolutely everything to me. I was taken advantage of, ended up pregnant, and happened to be seeing my now husband back then. He gave me the "I'm going to support you either way" speech, but it was obvious he didn't want me to keep the baby. He ended up messing with other girls while I was pregnant. I tried to leave because I felt he didn't deserve the situation I was in, but he begged to stay, so there was really no excuse. He blames it on us being young, said he was stupid and didn't know what he had, etc. etc. I ended up breaking things off when my little one was a little over a year old. He's always been "dad", just not always the best kind. I don't mean he doesn't love the child, I mean that he has not been responsible or been the one changing diapers, staying up on sick nights, been there for everything, etc. He was there when he wanted to be. I put up with it because my child loves him. Yes, we were young, and I understand the whole "wild oats" theory, but being a parent is not a part time job and I didn't ask him to be anything or for anything. I considered myself a single parent, because I was. Long story short, I always went out of my way to make sure they spent time together because my child's happiness means more to me than anything, regardless of if I was seeing anyone else, etc. I graduated college (go me!) on time and worked nights for my baby. I'm proud of that. He enlisted in the military to get himself together. We were there for the sending off, graduation, etc. He got her name put on his arm on a free weekend, kept writing home how much he loved us, etc. Still didn't have much faith because he always has time for drinking and flirting. A year after that I got engaged to a man who had been in my babys life as a friend since she was one (yes really just a friend). I had completely thrown my hands up on her "dad" and any chance that we could ever be a family. This man was good to her and loved us both very much. We had only began dating a few months prior to the engagement, and I honestly felt it was more of a logical decision than one of the heart. I told her dad and he had a breakdown, confessed all these feelings, his downfalls, whole nine yards. I felt bad, but didn't let that sway me, as his word has never been golden. He was leaving for on orders and I took my baby to the beach with him for a few days (I won't let them go alone, I'm picky over the baby and we are always together). We had a nice time and it made me wonder, but still I didn't let it get to me. I ended up breaking off the engagement because I knew it was the right thing to do (my heart wasn't in it). About 2 months later he was leaving for deployment, so I made alot of trips to where he was stationed for them to spend time together before he left. I say "them" because that was my primary concern, but of course we would laugh and have a nice time, too. Well with me having completely given up on finding real love (I honestly didn't believe in it), we made the decision to sign papers at the courthouse so she was taken care of and if anything happened to us while he was gone he could come home (he's not the biological father, so he wasn't on the birth cert.). I was in love with the idea of a family for her. I was excited and while he was gone I found a house, moved, and got things in order here. He was saying wonderful things, but as soon as he got home (2 weeks early b/c his dad had a heart attack), it was like the same ol again. It was disheartening to say the least. I told myself it was temporary, it's post deployment, things will be weird etc. He ended up blowing our entire savings account on car parts for his new car instead of the things we had talked about getting as a family. No warning, did while on a short underway period, I see the bank account numbers start dropping. He thinks it's no big deal (always been selfish in his thinking, but everyone sweared the military changed him.. ha). I think it's a huge deal because we agreed on keeping emergency money in the account (he brought it up!). As months passed, he started going out all the time. My baby started acting out very very badly because they couldn't understand why we moved here to be with daddy and daddy was never here. He left again for a month without much warning. My child went into absolutely the worst behavior pattern I've ever seen. I was heartbroken because I did this for them and I felt like I made things worse. They were screaming they hated me, whole nine yards. Horrible. A mutual friend came over and was helping provide a male figure in the house. He came over, spend one on one time with the child, talked with them about the temper tantrums, let me cry it out and told me it's a phase, don't take it personally, etc. My husband's advice was to tear her tail up and for me not to cry about it. Very heart warming and supportive right? So this friend made a point to c
Sorry I rambled on guys.. It was not a planned thing and he walked in so I didn't have time to spell check or punctuate.

I appreciate the advice. I always make sure my child doesn't see the fights. I've always covered everything up in their best interest, however they are older now and have began questioning him and myself on things dad says he's going to do and then doesn't. I'm being purposely vague on my personal details.

For the record, he's been dad since day one. He was the first person to hold her but I've let him get away with many things out of love for my child. I realize that is my fault but I would like to think a grown man would put his family first, not his friends, beer, and a car. (Funny, right?)

All in all, I'm conflicted as to what is best for my baby. I can live with not having who I love out of love for my child, but is that the best way to go? Thanks again.
PS- I am completely aware of the fundamentals of punctuation, but thank you for your heart warming concern for the quality of my education.
Please, spare me the condescending tone. I had 5 seconds to press send. I didn't expect Harvard level advice on Yahoo by any means, but please atleast comment on the subject, not the form.
However, I will accept constructive criticism on the situation itself, as I know it is not morally correct.

First off...I love him. I am 23 have a college degree and a decent job. My job gets us a free apartment so we have lived together over a year.

I met him in a bar we both worked at. I still bartend on the weekends, but he works on Friday and Saturday nights ONLY at a different bar because he quit where we were together.

He doesn't have a day job, and never has any money, plus he just lounges around the house day in and day out...unless he goes out partying...and I don't get to go because I have to work the next day at 8:00am. He doesn't have car insurance, or health insurance and really doesn't take care of himself. We argue a lot about money, and he says I'm making it ALL about money and that money isn't important. But I want to buy a house soon, and right now It looks like I would be paying for it all?!

How do i motivate him to get a job?! he isn't the type to go out and apply...he has never applied for a job....not since he was like 19. He has a great heart, super sweet guy- this just isn't working...
Let me add...we have dated for 4 years and share all of the same friends.
He was a stoner...funny you should mention that...I made him quit for me.

I know the American Recovery & Reinvestment Act has somewhere a section which states you can deduct the cost of a computer if you are currently a student, which I am (junior in college).

I had an idea, just wondering if this plan would work:

STEP 1. I take out a private school loan for like $1,000 to buy a new PC

STEP 2. On my next years tax return I claim the PC as a deduction

STEP 3. I receive/get a $1,000 tax deduction

STEP 4. I use the $1,000 to pay off the lender

Does this plan = Win? Basically this would give me a PC for free, as no money comes out of my pocket. Is this legit and/or legal?

Already got the 'buy before you leave' checklist.
I'm 18, disabled, female and going to college.

The plan is so far:
-save up/prepare for the next 6 months or so (plus get all the supplies I need in terms of cutlery, dishes, etc...)
-find small (like a studio apartment), cheap pet-friendly apartment (have two parrots and considering adopting an older chihuahua once moved in and settled just for company and to have something to bark when someone comes to the door)

Furniture isn't an issue as I have relatives with tons of old furniture they're practically begging me to take.
Income wise I'm looking at roughly 1200-1400 a month I think--as not all the financial bits are in place yet (woot bursaries and disability cheques) and I've seen places for anywhere from 400-600-ish with everything included.
I won't be living with roommates.
As far as services go I'll be skipping the landline alltogether and using my cellphone, I'll possibly also need intermet but some places have free wireless included.

Pet food and supplies will run me maybe $60-100 dollars a month and that's including the dog.
Averages I've seen online for groceries in canada are something like 200-400 a month for one person.

So can I make it? Do I have enough money to live comfortably and eat reasonably well? It looks like it to me.

Any tips, anecdotes and whatever?

My boyfriend and I have been together 3 1/2 yrs and he's lived with me in my condo for 2 1/2 yrs. He rarely helped to pay for the household bills. So after getting layed off I told him he had to leave because he'd blow his money on something else that he can't tell me. and he wouldn't even pay for his car that it got reposessed. So even after allowing him to live here basically for free and helping him get his car back...by the way he has paid me back except for $250 he's acting like we never had a serious relationship. So since he doesn't want to come to get the rest of his stuff or pay me back or return my keys I had the locks changed.
As far as my friend and the job interview she helped me get. The salary that was offered does not pay for everything that I have to pay for.It's too low. I'm not trying to sound ungreatful but I am willing to take it being that it pays more than unemployment but if I'm given another opportunity that is better I would like to take it without having this friend be upset at me. I mean I cannot keep this job for a year and pass up other opportunities just to make her and her job feel happy. Nobody is helping me out. Not even my own parents. And I take it that she didn't like the idea because she said 'this is why i don't like referring people, i don't like mixing my personal life with work'.
Who is gonna mix personal life with work? not me. I'm not an unreliable person. I'm just trying to make money that will pay my bills. Is that so wrong to try and get the right job? By the way all I asked if she knew anybody who needed help on the side off the books. I didn't know or ask for a fulltime permanent employment at her job.

As far as my father. He is handy. I cannot afford to pay a handy man at the moment. And he is notorious for making promises he can't keep when it comes to me and my sister.

I feel like turning the job down so I don't have to hear anybody's mouth especially my friend. And I feel like keeping away from people in general. I'm just so lonely because I'm home all day and live alone. No one comes to visit. I'm so angry because I'm a college graduate with years of experience and I cannot even get an interview. I've sent over 80 resumes and only had 2 interviews. I'm from NYC and I've resumes all over the country including NYC. I'm angry that people make promises they can't keep. Angry that someone would get mad at me because they're job can't afford to pay me what I was making and expect me suck it up. I just feel like people make it worse and I just want to be left alone and disappear from everyone.

4 students have been selected for a chance to win $10,000 by making a basketball shot from the free throw line. One student is very good and has an 85% chance to make the shot. The other students have 60%,40%, and 15% chances to make the shot. Let X be the amount of money that will be paid to these students. Find the probability distribution for X.

I'm a 30 yr. old single dad who wants to go to college. Is there any free info out there on ways to get the money for it? I've tried to look myself but it seems everything costs.

I've noticed that when it comes to material possessions and the luxuries that Americans get to enjoy each day that no other country can compare but I've also noticed that when it comes to the cost of health care & things like college America isn't that great. If you get sick you're swamped in debt our insurance companies are money hungry and have no real interest in the health of the people they buy off politicians to support their causes & brainwash people. I've noticed in other countries their general way of life when it comes to material possessions are lesser than ours I find the homes much more cramped and smaller than ours which is of course because their 'governments' have to find a way to pay for all the expenses free medicine would cost. So my question is are we putting material possessions above health? Do we value the size of our homes the brands of our cars and clothes over human beings? How would national health care effect America would we have to live moderately like people do in other countries? Would we be exchanging our luxuries for free health care & education?
I was pretty happy when I visited the UK for several weeks everything just seemed smaller there. I always notice the good & bad when i arrive back home from visiting other countries. Something that cannot be ignored any longer in this country is our health care.
OSU girl i fully agree with you.
Micheal everyone should have health care about 5 years ago I had the insane notion that my then boyfriend (now husband) & I were young & healthy so why should we have heath insurance? My boyfriend suffered a sports hernia while uninsured which required surgery naturally he couldn't get covered by any insurance company so we had to pay a massive and i mean massive bill. And as for myself I was hospitalized for almost one week with diverticulitis while insured & the amount i still had to pay with insurance was still extremely high.
Rick and in the event either of you get seriously ill what you will have to pay even with insurance will be extremely high and would be a disater for your situation it happened to me years ago.

I'm trying to find monologues for my college auditions, but being a teenager without a job I'm in a tight bind for money. But I'm going into theatre for college and have read excerpts from the book before but I hate renewing books at the library and it would just be awkward to check it out in the first place and I have no money or time being in rehearsals all the time to buy this book (And yes I'm aware that was a run on sentence) But if anybody can tell me where I can find this book online for free, I'd be more than appreciative! :D

i had a boyfriend when i was 18 that was very abusive, mentally physically,we were both into drugs, he was a crazy punk and i hippie gypsy, into my spirituality and art, he did so many bad things to me, i am even ashamed of writting,i never thought him to be like that when i first met him,i had heared rumors of him being like this but i did not believe it, after 2 years i left him, and it was the best thing in my life i had ever done, i had felt so free, i could breath, dream, and not be afraid of being myself , lauging having a great time with my family, enjoing my hobies and my close friends, i foundmy self i found god and i made myself better, but inside me i felt guilt, because i had left him, and i felt like such happiness was almoust a sin. i started missing his good side, and i my heart i wished he had changed, we kept in contact, and i heared he was doing so great, i got exited, i wanted to return, i forgave him cheating on me and all the other abuses, when i returned back to him we got married, and he had an apartment, we worked and hung out it was preey good this life but then he was getting irresponsible and got fired from his job, we moved in with his parents and that was hell, because his family is literaly jack up in the head, i tried to win his mother buy cleaning and cooking and helping out his sisters picking them up from high school, but his sisters abuse eachother, one sent the other one to the hospital and almost killed her. it was a circus living there, they would steal my belonging and pawn her mothers stuff,, i saved enough money to get out of there, and he my husband helped out, but most of the times it was me working, and we started arguing, he didnt want me talking to his family, he didnt want me to hang out with friends, i was stuck in a room for 3 months with him, it started getting me depressed, i was so upset because his insecurity was getting in the way of our marrige, we moved into our own place and strarted going to college, he never been to school before, i mean he didnt graduate from highschool, he left school 9th grade and got his ged, so i thought maybe school would boost his self esteem, so he took all the same classes i was taking, and wanted to major in what i was, i thought it be fun untill , he was treaghtnen by every one i would hold a conversation with, he told everyone i was his wife , and nobody refered me to my name, but everyone would call me , "hey so and so's wife, i was getting mad. all my ideas and dreams to never be heared by anyone, and talking to him was like talking to a woman on pms, things got worst, he stated breaking my stuff and putting holes on the apartment that is under my name, he would fix them and say sorry, but this wasnt enough, he got fired again from his job, and so did i,, all because of his insecurities and because the job was too hard, we worked at the same place. ive been jobless since and so has he, evvery opportunity i get he shuns it down, i told him we cant work in the same place anymore or take the same classes, we started arguing, he started pusing me to the floor and trowing things at me, ofcourse i moved out of the way when hed trow things, it got to te point of one bad argument were he knocked me down to the floor and was going to hit me with a large object , i thought it was the end of me, but he trew it beside me, i took my knife and told him to leave me alone, he did, we went to our pastor and we all spoke, he stoped hitting me but, he still gets so fragile about everything i say, , he feels treghten by me and takes anything i say as critizism, i swear im walking on egg shells. i think about divorce, i feel guilt for thinking it, i see his good side, but he acts like a child and i feel like his mother, the reason i dont want to divorce is because i dont know if its wrong to, i love god,i want my spiritual life, but i want my real life too and not die by his hands one day, i am starting to think that i know god wants me to be happy and he says preserve your life, i could divorce and be happy, but i think there is something in me that dosent let me be happy, without him, almost as i am afraid, what is wrong with me , why am i too coward to leave him, why does my heart soften when i deside to do this

id apreciate if someone helped me out, please no nasty commments or hate comments, respect my christian believes, and help me out to figure these things we all encounter, thanks man! i apreciate your time to whomever reads this

BEGIN AUDIO CLIP)
UNIDENTIFIED HOST: Will you know today how much money you are getting?
UNIDENTIFIED WOMAN: No I won't, but I'm waiting for a phone call.
UNIDENTIFIED HOST: Where's the money coming from?
WOMAN: I believe it's coming from the city of Detroit or the state.
UNIDENTIFIED HOST: Where did they get it from?
UNIDENTIFIED WOMAN: Some funds that was given by Obama.
UNIDENTIFIED HOST: And where did Obama get the funds?
UNIDENTIFIED WOMAN: Obama might of got the funds from, umm... I have no idea to tell you the truth. He's the president.
(END AUDIO CLIP)
(BEGIN AUDIO CLIP)
UNIDENTIFIED HOST: Why are you here?
UNIDENTIFIED WOMAN: To get some money.
UNIDENTIFIED HOST: What kind of money?
UNIDENTIFIED WOMAN: Obama money.
UNIDENTIFIED HOST: Where's it coming from?
UNIDENTIFIED WOMAN: Obama.
UNIDENTIFIED HOST: And where did Obama get it?
UNIDENTIFIED WOMAN: I don't know, his stash? I don't know. I don't know where he got it from but he's giving it to us to help us to help us. We love him. That's why we voted for him. Obama! Obama!
(END AUDIO CLIP)
Hmm, the trail seems to go cold after Obama. Maybe it was another case of Jack and his magic beans? Oh, who cares? It's free! And besides, we must act now:

And this was a Letter to the Editor from TIME.

"I had to wait through eight years of an administration that brought this country to the brink. Frankowski should sit down quietly while the rest of us get to the task of cleaning up Bush's mess. Besides, this health-care debate isn't about those over 30; it's about the millions of uninsured, recently graduated young people saddled with loans we can't imagine paying off, who are sick and tired of living in an abyss created by our elders' stupidity. Obama would be smart to focus on college towns. Step aside, grandma. We want health care and we want it now."
I'm sorry I feel this way, I just don't like the fact that my Tax $'s are going to people like this. I earn my money and I want to spend it on me, not people who don't work.

For a long time during most of last year i felt like shit about myself and i hated every single increpet part of my very being.

Because im a no good sorry peice of shit criminal with a whopping 1 felony on myrecord for the possession a single xanax pill ion my car during high schooll, I've been forced to go to jail and leave there feeling like shit about myself and knowing that the pain and struggle will most likelyu not end any time soon.

I got out of jail, life looked good, I got my charge dropped but i still had a felony buit for the first time in a really long time i got that damn probation officer off my back and i was finnaly free after 2 years of probation for a single pill taht wasnt even mine . (long story check my other questions)

I've enrolled in college and my life seems to be on track for once and i was actually stsarting to like my life again.

But is it really better, I feel like i've just put a lid on a trash can. I dont have any money, I've lived with my mom and dad for all twenty years of my life, right now my only income is the 20 dollars alloted by moy mom for toll and gas (at least she doesnt degrade me to the poiint where she makes me aks for it though)
I like girls and i met one that i've liked and although it hurt i had to let her go. I told her how i feel and she doesnt care .A tear fell down my face as i wrote this and my heart sank what seemed to be miles into me.

I find myself depressed on a regualr bassis. I'm lonely above all things. I got alot of freinds per se.. I've come to the acertation that there are four groups of people in my life.

1.) people that just dont like me ether from something ive done to them malously or just plain dont like me for BEING me.

2.) people that i like (girls mostly) that could really care less about me.

3. People that deal with me. Like my parents but thats about it . (they are really an exception b/c theyll never give up on me even thoug i give up on myself over and over)

4.) People that think im funny and fun to laugh at. Those people call me there freinds or perhaps its the other way around ..

What does that leave me at ? It leves me feelin alone and pretty shitty. I hate it. I'm not bad looking or anything i got a nice body . I'm a pretty nice guy and s-h-it. Sometime i think people dont even consider me a person if that makes any sense. I mean they laugh and have fun and drink and start shit with me to get me to fight people, but do they really respect me for the person i am inside.

I get in fights alot on the weekends at partys. For the past 6 weekends i've been in differnt fights. So i'm not talkin about respect in the typical sort. I scare myself when i get into these fights. Its ;ike I got so much anger and pain runnnig through these veins that when its finally time to throw down< I give it my all. I've fucked some people up and this isnt even who i am i. I know what its like to feel like crap yet the fights ive been in have been embarassing for the foe.

I'm a really deep person, despite what many people's first impresseion of me. I'm laughing on the outside and crying on the inside. I'm sick of being alone. I mean i have hook-ups all the time but these girls dont care about me really. And honestly i cant really respect a girl that throws herself at me and fuh cks at a party.
I hate it, I dont think anyone even knows how i feel. Maybe my mom but thats about it. I just wanna meet a nice girl and get some money. Could sell dope but o dont want to. (I'm not black)

My friends act like i'm the man but i dint think so, I hate my life.

My stepdaughter and her boyfriend are parents of 2 kids (ages 3 months and 2 years) and they live with us. I have always been generous about rearranging my work schedule (I work full time), by taking vacation days, leaving early and covering my hours later, to accommodate her to help. I took my 2 week vacation during the birth of her second child to look after the 2 year old and get the house ready for their return with the baby after her C-section. She recently got a part-time job, and when she and the father of her kids are working the same hours, she expects someone in the household to babysit. Her mother only takes one child at a time for weekly overnight visits. Her sister (who lives with us) works full-time and attends college at night. My husband and I both work full-time and sometimes have to work very long days, and weekends. We all love the kids, but NO ONE is able to care for a colicky 3 month old and an active 2 year old for 6-8+ hours at a time. However, my mother, who is retired, has offered to watch both kids, for any number of hours needed, for only $20 a day (for gas money to drive from her house to ours and back). But my step-daughter and her boyfriend claim that they cannot afford to pay anyone to watch both kids, somehow managing money for fast-food, expensive hair-care products, and video games for their X-Box. I can't lie and say I have other things to do when they live with us. I love my grandchildren, but I don't want to spend every free moment babysitting. I have always come through for them before, but at a price from neglecting my own physical health. I realize that I need to take better care of myself so that I can be around a long time for the grandchildren, but I'm tired of being the only one in the household that rearranges their schedule to "rescue" my step-daughter and her boyfriend every time they need a babysitter. Just because I'm not at work, doesn't mean I want to spend every evening babysitting. I feel guilty when I have to tell them no, but I feel I need some "me" time. My grandson and I have a very close bond and enjoy being together, but I sometimes need some alone time. So far, my supervisor has been good about the occassional rearranges in schedule, but I know it can't last forever.

How can I get some guilt-free "me"time without being selfish? Am I a mean and evil person for wanting to concentrate on me now and then?

Any advice would be appreciated.

Can we celebrate? You know, the "Man", the one who has been keeping us down?
The one who has constantly denied us free government services?
The one who has been making money off of our backs by employing us?
The one who gives us a chance to go to college with scholarships and "funds".

The one who rewards us for having kids we can't afford?

Hold on........Now that Obama is President are we now "The Man"? Who do we blame now if we are in power?

im a compulsive shopper and being that i am a freshmen in college i dont have much money to spare. i dont have to pay for my college its paid in full by my scholarships and what not but i dont have a job and i pay for my gas and any other side expenses such as going out with my friends on the weekends.

i have.....had about $1,200 in my savings account and told myself i would try my hardest not to go below $1,000. this weekend i went for a free consultation at ideal image and i go a really good deal of only $890 for lazer treatment down from almost $2,500 due to a promotion. being the compulsive shopper i am i said i wanted to do it. i signed the contract and i am supposed to pay in full on tuesday.

later that night i realized how stupid i was an now im kicking myself in the @$$ because i do not have the money to be doing stupid stuff like that.

is there anyway to get out of the contract?!?!?!?!

The President: "Hello everyone a�� howa��s everybody doing today? Ia��m here with students at Wakefield High School in Arlington, Virginia. And wea��ve got students tuning in from all across America, kindergarten through twelfth grade. Ia��m glad you all could join us today. I know that for many of you, today is the first day of school. And for those of you in kindergarten, or starting middle or high school, ita��s your first day in a new school, so ita��s understandable if youa��re a little nervous. I imagine there are some seniors out there who are feeling pretty good right now, with just one more year to go. And no matter what grade youa��re in, some of you are probably wishing it were still summer, and you coulda��ve stayed in bed just a little longer this morning."

Translation A favorite Marxian approach. Dates back to Engels' days in Manchester, England. The implicit message to impressionable minds: It's fine to laze away the day. Don't worry about not being a productive part of society. Mom and Dad (and then the state) will be there to support your lack of initiative.

The President "Ia��m here today because I have something important to discuss with you. Ia��m here because I want to talk with you about your education and whata��s expected of all of you in this new school year."

Translation What's "expected of you?" No dice. Encouraging kids to accept top-down directives - that's a prescription for trouble, if ever I heard one. Not to push it too far, but the Soviets used to sell a similar line of mumbo jumbo. Remember all that claptrap about the dictatorship of the proletariat? We should steer clear. Let's uphold Jeffersonian principles and leave local communities to decide.

The President: "Ia��ve talked about your parentsa�� responsibility for making sure you stay on track, and get your homework done...but at the end of the day, we can have the most dedicated teachers, the most supportive parents, and the best schools in the world a�� and none of it will matter unless all of you fulfill your responsibilities."

Translation "Unless all of you fulfill your responsibilities....?" Pardon but what if we decide we'd rather not? Some education czar sics a couple of apparatchik goons? That's why the lib-left is so intent on watering down the Second Amendment. (BTW: Notice that "czars" came out of Russia. So did Bolshevism. Purely circumstantial? Don't be so sure. But since the MSM is utterly brain dead, we'll have to wait for Glenn Beck to unearth the full story.)

The President: "And thata��s what I want to focus on today: the responsibility each of you has for your education. I want to start with the responsibility you have to yourself."

Translation Individual responsibility. OK, a plank that all sides of the political spectrum can rally around. Now if Obama could only shake free of Pelosi and Reid, maybe we would hear more of that. Probably a pipedream, but hey, you never know.

The President: "Now I know ita��s not always easy to do well in school. I know a lot of you have challenges in your lives right now that can make it hard to focus on your schoolwork. I get it. I know what thata��s like. My father left my family when I was two years old, and I was raised by a single mother who struggled at times to pay the bills and wasna��t always able to give us things the other kids had. There were times when I missed having a father in my life. There were times when I was lonely and felt like I didna��t fit in."

Translation Tell it to Hillary. We've already heard how it takes a village. Look, Dan Quayle warned everyone about Murphy Brown, but did you listen? Now we're reaping what your Hollywood fellow traveler friends sowed.

The President: "So I wasna��t always as focused as I should have been. I did some things Ia��m not proud of, and got in more trouble than I should have..."

Translation So Sarah was right all along. Wonder who else he was palling around with besides Bill Ayers?

The President: "But I was fortunate. I got a lot of second chances and had the opportunity to go to college, and law school, and follow my dreams.... Some of you might not have those advantages."

Translation Of course you had opportunities. That's what happens when the state doles out rewards based upon politically correct diktats.

The President: "But at the end of the day, the circumstances of your life a�� what you look like, where you come from, how much money you have, what youa��ve got going on at home a�� thata��s no excuse for neglecting your homework or having a bad attitude. Thata��s no excuse for talking back to your teacher, or cutting class, or dropping out of school. Thata��s no excuse for not trying...."

Translation Let's set rules of behavior. Also, get a load of the unsubtle warning: Come to school - or work - with a bad attitude and the state will deal with transgressors. You don't get more socialist than that!

The President: "Thata��s why today, Ia��m calling on each of you to set your own goals for your education a�� and to do every

I was wondering if you have to pay a fee to have your ACT test results sent to the college of your choice? Or do they send to to the college for free? It seems like they should send it to the college for free after spending money to take the test.

I just turned 21 and I need money obviously. My family is not poor and I don't desperately need it; but if I want to go out to a bar or movie this is where the cash from my job would come in. I worked at Circuit City for 3 years after high school and I loved my job there. Tons of fun people to work with, the job was easy, I got decent pay and it was an awesome location. Circuit City went out of business and I was jobless for about 6 months. I recently just got hired at Staples and I completely hate it there. There's not a single person to socialize with at the work place (Everyone is in their 50's+ or they are from a different culture than me, not saying a different culture is bad but you simply cannot relate with someone on a personal level from a different culture) and there's only about 12 employees total in the whole store. I don't know why but when I'm at this job I get mini panic attacks when I'm there. My heart rate elevates, I start freaking out inside my head just from being there. I am really depressed that I am working there. I make minimum wage and there's an insane amount of work to do every day. This job bothers me so bad that say I have to work on a Monday, it will ruin my entire weekend because all I am thinking about is going back to work. I go to college full time and I'm a premed major so I have tons of homework, so my free time is limited. Like I said, I don't need money badly but I did just turn 21 and so it's mostly beer money. I just don't know what to do, I want to quit but I feel as if I would babying out simply because I don't like it. I guess I'm asking is this behavior normal? (Elevated heart rate, mini panic attacks, stressed out, anxiousness) It doesn't sound normal when I say it to myself but I've never really spoken to someone about this so I was just wondering if maybe this is a common feeling when you get a new job.
Yeah, I want to quit but I'm afraid I might meet a girl (I just recently broke up with my gf of 4 years) and not be able to take her out. I think I just have a ton of stress in my life and adding a bad retail job into the mix might be tipping the balance. What I've been doing is just applying at more places to work and hopefully I can get a callback soon. I understand work is not for social hookups but I guess I feel as if I'm a really intelligent person and I don't deserve to be working for minimum wage at a miserable job. So when I think about it, it starts freaking me out.
I think some of the stress is from me spending all my free time at this job making pennies and not enjoying doing it either. My entire family is in medicine and I still believe it is the right choice for me. Thank you for your opinion though, but I'm curious as to whether these feelings are normal or should I quit my job because the feelings are not normal?

I'm 16 in three months and money's really tight so paying for anything isn't an option. My teeth are really getting me down, they are not too bad but they could be better. I know it's cosmetic but I really hate my teeth at the moment and it's effecting my confidence. I was already booked for a fixed brace two years ago but when the appointment came around 4 months ago, they said I couldn't have it because my teeth were literally 1mm under the requirements to get a brace.

I really don't want to start college with messed up teeth. Is there anything a dentist could do?

I lost my job this past summer and haven't been able to find a new one. I live in a very small town where I attend college, and there's just nothing here.

I have worked my a** off for three years while putting myself through school. I had a steady job in my old city before I moved here for college, and I got lucky in finding my job that I lost during the summer. My mom hasn't ever had to help me. The goverment and student loans pay for my schooling. I have paid all my own bills the whole three years.

I currently live with my boyfriend, who has been wonderful enough to let me be a complete bum and he pays all of our bills. (I cook and clean, lol.)

My mom said she would help me with money, by giving me any extra she made each paycheck every two weeks. Well, that lasted for one pay period. Suddenly she is telling me I need to just move back home with her so I can get a job there and have "all my needs met." She gets pissed at my boyfriend for some reason and thinks he needs to give me money for gas and going out. (I don't go out unless it is hanging out at a friend's house, which is free of course.) I think this is ridiculous. We're not married and it's not even his responsibility to be paying for rent, electricity, cell phones, etc, let alone to be giving me spending money.

I am so upset at my mom at this point. I don't understand why she offered to help me then took it back and has been lecturing me about my loser boyfriend and how I just need to pack up my bags and drop out of school and come home. Does that even make any sense?? She has the means to help me, this isn't a case of the struggling mom trying to make ends meet, trust me.

Am I selfish for being upset?
And I just want to add that I do know I am not the first struggling and broke college kid. I just get frustrated when I could so easily be helped while I am in this employment slump...

I'm a senior this year, and so lots of talk about college, early action, all that is obviously going on right now. Now, I've always been a pretty smart kid. 3.7 GPA, AP classes, 2100 SAT scores, etc, so I have no doubts I'll be able to get in somewhere (I only plan on going to a state school). However, I have no idea what I want to do. I know some things I'm GOOD at (math, computers, etc.), but I just don't know if I can picture myself doing those things 8 hours a day every day, you know? Additionally, I've been working really hard in school the past 12 years straight, and I'm kind of burned out. I think a gap year could be beneficial in that it would give me time to just relax for a while (academically at least) so that I don't start slacking off in college when I do go. I know the normal fears, that I won't have any money, or that I won't be able to return. However, I've already got my SATs out of the way, and I know I have the self-discipline to review some material while I'm taking the year off so I don't head to college completely screwed. As far as money goes, I already have about $1000 saved up, and I plan on spending the first 5-6 months of my year working to save up some more. I don't know if my parents will help with expenses, but it wouldn't be so bad to get some feeling of independence. Do you think it would be an okay idea?

I don't really know what I'll do for the other 6 months. I know I want to travel, but I don't really know where to. The only must-visit place I have is Germany, as I have a good friend there I can stay with for free. Does Germany have any gap year agreements with US students or anything of the sort?

Any other comments are appreciated as well.

I'm doing a paper that says we put too much money into funding prisons since they get free cable, college, and medical ins. My dad said they used to be self-funded, like the prisoners would make stuff and sell it and that paid for the guards and everything. I need some articles or website links that talk about that 10 points best answer

I've been looking for a job for over a year now and still nothing.It is my dream to start school and i had to put it off for the past 3 years.I'm struggling to buy food and pay bills.I cant get assistance because the person i live with makes $1200 a month and they say that's to much.But they don't understand that this person gets paid every 2 weeks and the necessary bills total more then $800 both weeks.We didn't even have money for food this week.Thank god a family friend gave us $25 for food.I've tried scholarships and grants neither was approved cause im not in school.I cant get a loan cause i don't have a job and i don't have family that can loan me the money.All together i need $1300 and i need that by January.I can not miss another year of college. Please Please Please help me! I cant keep living like this.Any info you have would be great.I don't care if its online work,at home work,free money sites,etc just something anything that can help me.Thanks

I've been looking for work since i left college but since i'm getting alot of knock backs and nobody is giving me a job,Should i try boxing for money?....but the thing is i've been epileptic since i was 14 and i've been free for nearly three years...do you think they'll let me do it?
My doctor told me don't let anything stop me from what i want to do.

I've been asked by a photographer to do a photoshoot. He originally wanted to do it without pay and just give me free pics (TFCD) in return but I told him I can't afford that right now with the cost of gas, wardrobe, and anything else I may need. So I told him I could negotiate something with him.

He emailed me back saying he would be willing to pay for my gas and provide me with everything I need. He asked me my rate. I don't claim to be a professional model but I have done a few photoshoots in the past before with different photographers but i've never done it for pay. I don't know what the going rate is. How much is a reasonable amount of money I should ask him for?

I don't want to ask for too much where he'll turn it down but at the same time, I'm a very broke college student and I have bills to pay.

Limit executive pay to no more than 100 times the salary of the lowest worker, to include all bonuses.

Institute a progressive tax were the more you make the more you pay in taxes.

Make colleges and universities tuition free to those who pass stringent entrance exams.

Go back to the defined retirement system, where for every year worked at a company the person recieves a set amount of money per month, but make it portable.

I am a college student fostering two kittens and I have completely fallen in love with them and have decided to adopt them. However, I'll be going out of the country for about a month during winter break, and don't know what I should with them while I'm gone. Most cat boarding places I've looked up are around $12-15 a night which is a LOT OF MONEY (for a college student) for a MONTH of boarding.

If I take the kittens back to the foster organization before I leave for a month, but tell them I want to adopt them, will they keep the kittens for me for free until I get back? I guess what I'm really asking is, can I put them on "hold" until I can adopt them after my winter break?

Hello guys, im 17 and a male from England. I'm really unhappy with my life at the moment. Ive been sad for ages and it's really getting to me where it's making me feel sick and feel like giving up on my life. I want to achieve something of my life, a good living comfortable fiance and a good life i know everyone does but im willing to do what it takes. Im currently at college learning electrical installation but i want to take things as far as i can to earn alot. Im really sad, always putting myself down, nobody hates me as much as myself and i can't say nothing good about myself. I have quite a bit of free time but can't even get a part time job that i don't want to be doing to pay for a car, few of my friends have cars, but there parents bought them it. I feel like i have nothing going for me and can't get no where. A week ago i heard miley cyrus' party in the usa song and it just made things worse. I want a pinch of what she's got, i really really like her, attracted and all. Only since last week though, i used to think she was 20+ but now i realise she's actually younger than me then it makes things worse. I think the age being young could be an affect, i want to make something while im young because ive probably got a thought in my head i would end up meeting her but i know it won't happen because why would she be intrested in even putting eyes on a loser like me. I want to make something big of my life, a big success im willing to do anything. I took a media course with cameras photography and all, but left it after the first term. I couldn't get into it, embarrased/shy to go in front of the camera. Im not the most confident person and i just didn't feel it was for me. I don't think i have much talent as im pretty useless so i guess im not going anywhere in life part from an ordinary average life but im not happy with it so i might aswell quit this world and end my life instead of feeling unhappy all the time.

I want to be someone people look up to, write a book and have people intrested, a success. Doubt i have any talent though. Im willing to do whatever it takes!!! Whenever i feel half ok, i think of Miley Cyrus and wanting a bit of what she has, im not soo bothered about the money, i just want to know that im respected, people actually look up to me, because ive never felt happy with myself my hole life and want to make a big success so i can show people i can do it, so i can do something for myself, but what!!!

Hello guys, im 17 and a male from England. I'm really unhappy with my life at the moment. Ive been sad for ages and it's really getting to me where it's making me feel sick and feel like giving up on my life. I want to achieve something of my life, a good living comfortable fiance and a good life i know everyone does but im willing to do what it takes. Im currently at college learning electrical installation but i want to take things as far as i can to earn alot. Im really sad, always putting myself down, nobody hates me as much as myself and i can't say nothing good about myself. I have quite a bit of free time but can't even get a part time job that i don't want to be doing to pay for a car, few of my friends have cars, but there parents bought them it. I feel like i have nothing going for me and can't get no where. A week ago i heard miley cyrus' party in the usa song and it just made things worse. I want a pinch of what she's got, i really really like her, attracted and all. Only since last week though, i used to think she was 20+ but now i realise she's actually younger than me then it makes things worse. I think the age being young could be an affect, i want to make something while im young because ive probably got a thought in my head i would end up meeting her but i know it won't happen because why would she be intrested in even putting eyes on a loser like me. I want to make something big of my life, a big success im willing to do anything. I took a media course with cameras photography and all, but left it after the first term. I couldn't get into it, embarrased/shy to go in front of the camera. Im not the most confident person and i just didn't feel it was for me. I don't think i have much talent as im pretty useless so i guess im not going anywhere in life part from an ordinary average life but im not happy with it so i might aswell quit this world and end my life instead of feeling unhappy all the time.

I want to be someone people look up to, write a book and have people intrested, a success. Doubt i have any talent though. Im willing to do whatever it takes!!! Whenever i feel half ok, i think of Miley Cyrus and wanting a bit of what she has, im not soo bothered about the money, i just want to know that im respected, people actually look up to me, because ive never felt happy with myself my hole life and want to make a big success so i can show people i can do it, so i can do something for myself, but what!!!

I went off to college, knowing that my family and I were in financial hardship. I went to the cheapest college I was accepted in, that wasn't a community college. I took advantage of the financial aid given through the school, and took out some loans with my dad as a cosigner. We were barely getting by, but I was determined to have a college education and make something of myself when I got out.

Unfortunately, the financial aid wasn't helping too much, and when my family hit a very hard time of our life, my dad's credit score soared downward. We were from then on denied for every load that we had asked for, not going to be able to pay off anything. After the 3rd semester at my University, I was told I was not welcome back for the 4th semester, was kicked out of my dorm room, and was pretty much put on the streets unless I moved home. They said I would be able to continue classes once the total debt that I owed the school alone, $7500, was fully paid off. Then I had to start worrying about the loan collectors from the student loans places I went to. I am willing to estimate that I have about $15000 worth of debt already, at the age of 20.

I didn't care to move back home, not because of wanting to continue the college life, but I have had family problems at home, and dealing with that would have made my depression a lot worse. So I got a close to full time job at a restaurant, planning on making payments to the university every other week (with each paycheck). I received two paychecks a week, and it didn't take me long at all to see that I had made a wrong decision, seeing how the entirety of one check went straight to the rent I am paying for the apartment I am at, and the other paycheck in the month would pay for gas, food, car payments, medications, and a few other necessities.

So now it seems I am going nowhere with my life; not paying off my university, living off of every paycheck, and making no progress to doing what I feel I must do with my life, taking classes. I have only saved like $200 to put towards the entirety of my loans over the past 6 months. I have looked for better jobs, but haven't found one yet.

I have been offered a little help from a family friend, but nothing that would make too big of a dent.

So I was seeing if anybody out there had any ideas on a good way to pay off my debt or lower my debt amount. I am only 20 years old and have more debt than any adult I know. I just want to live a normal life without debt collectors calling me everyday, my university calling me telling me they've turned everything into a collection agency, or anything. I would just like to get back to a somewhat normal life where a person pretty much just out of the first year of college is, where he doesn't owe anybody anything, is taking classes, and can actually go free every once in a while and not have to worry about going to a movie and his card be declined for not enough money.

Any ideas are appreciated. I just really need help and am looking for an escape from what's holding me back.

I am a freshman at a private college and I am not doing to well. I was a straight A student in High School but now that I am in college I realized that I didn't learn anything that they are teaching us that should be a review!! I think I am in serious trouble and I am already failing four of my classes. I am considering converting to a community college this upcoming spring semester and I was wondering if I am already failing the private college, would it be possible for me to transfer back to it in order to graduate. Community Colleges are so downgrading, but my high school didn't prepare me like I should have been for private college. Please don't say talk to my financial advisor, I want to know others opinions before I do that! This is a crucial time for me so please help if you have any suggestions!! Thanks so much! I am on scholarship also.. But I have a free 2 year thing at a community college.. so money isnt a problem.. I just don't wanna waste $200,000.00 on an education at the private college and fail out!!
So if I am failing my classes right now and withdraw from them would I get F's?? Also I do not party. I live at home and I study every night! Since I did not learn anything that should be a review in college I am having to try to teach it to myself. In high school the teachers were coaches and we didn't learn!! =( Nothing against coaches its just we watched football movies.. I was really good and took AP classes. I am a Biology Pre-Med Student btw
I am in love with the four year private college that I go to =) but it's very difficult and I don't wanna fail out. I just thought that if I withdrew I could have a chance of going back in two years.. my junior year.. You have to realize this choice would kill me but I don't want to screw up my future.. my councelor in high school was a nut and never helped us with anything..
I am in love with the four year private college that I go to =) but it's very difficult and I don't wanna fail out. I just thought that if I withdrew I could have a chance of going back in two years.. my junior year.. You have to realize this choice would kill me but I don't want to screw up my future.. my councelor in high school was a nut and never helped us with anything..

It's pretty well known that illegal aliens take out far more services than they pay in through taxes (if you don't know that, then don't bother anwering).

They have babies in the States and are therefore entitled to food stamps and that's not little. The kids they come with that were not born here get to go to school for free and later even receive government subsidized tuition (in state tuition) for colleges in many states. Ever calculated how much it costs per illegal child to get educated in public schools?

They also send back a lot of remittances. I think per year it's around $200 billion that are sent to other countries. Money that does not stay in the economy.

So here is my question. If it costs that much money to have illegal aliens, why can't the states cut their finances for them?

I know many illegal aliens that just graduated from High School here, but have lived here illegally. Now they get to go to college, paying the same as everyone else, which is in state tuition. It's around $1,000 at my school.

Now I have a friend from Sweden who is legal. Her dad works here and she also graduated from High School here. But she has to pay international student fees. That means she pays over $8,000 a semester at my school. She is forced to pay a lot of money for the same education that the illegals are getting almost free just because she came legally. And why should they be entitled to get it in the first place if they are illegal?

So she pays $8,000 something for each semester because she is legal. And they pay $1,000 a semester because they are illegal.

She would have to pay international student fees in every state, but the illegal gets it government subsidized in close to 15 states including California.

There is a lot of people at my school that are not legal, but have the right to go since they went to High School before. I know because I am friends with them. They are nice, but it's still not fair towards others.
at Belie:

My friend can't afford the international student charges anymore and also came here with her parents. So she is thinking of going back now. It would be 4 years for her of paying close to $10,000 per semester. How come she doesn't get the same rights the illegals do?

Funny, how you want illegals to stay, but my friend who came legally has to go home soon because she can't afford it. She also went to High School here and it wasn't her choice. She just doesn't happen to be illegal.

the best I can. He is irresponsible, spends money as he pleases and I just found out he has had an affair. I have given my life to this man. I graduated college 6 years ago and sacraficed my career goals so he could join the army and take care of the family...very noble! He should have stayed in. He is great at what he does now just very stupid when it comes to making decisions and keeping records. I have three kids to think about along with a house my parents helped us buy. I'm not sure what to do since I have stayed home so long a not really done anything for myself...just my family I am in a difficult place and was wondering how you break free from all this especially in the economy today. I still have a lot of love for him, but seriously the trust is gone, There is a lot of things to consider...I don't want my family broken up without trying. The kids adore their daddy. Mommy just wasn't giving him all the love he needed...all the time!!! Anybody been in this situation and what did you do?

Hello guys, im 17 and a male from England. I'm really unhappy with my life at the moment. Ive been sad for ages and it's really getting to me where it's making me feel sick and feel like giving up on my life. I want to achieve something of my life, a good living comfortable fiance and a good life i know everyone does but im willing to do what it takes. Im currently at college learning electrical installation but i want to take things as far as i can to earn alot. Im really sad, always putting myself down, nobody hates me as much as myself and i can't say nothing good about myself. I have quite a bit of free time but can't even get a part time job that i don't want to be doing to pay for a car, few of my friends have cars, but there parents bought them it. I feel like i have nothing going for me and can't get no where. A week ago i heard miley cyrus' party in the usa song and it just made things worse. I want a pinch of what she's got, i really really like her, attracted and all. Only since last week though, i used to think she was 20+ but now i realise she's actually younger than me then it makes things worse. I think the age being young could be an affect, i want to make something while im young because ive probably got a thought in my head i would end up meeting her but i know it won't happen because why would she be intrested in even putting eyes on a loser like me. I want to make something big of my life, a big success im willing to do anything. I took a media course with cameras photography and all, but left it after the first term. I couldn't get into it, embarrased/shy to go in front of the camera. Im not the most confident person and i just didn't feel it was for me. I don't think i have much talent as im pretty useless so i guess im not going anywhere in life part from an ordinary average life but im not happy with it so i might aswell quit this world and end my life instead of feeling unhappy all the time.

I want to be someone people look up to, write a book and have people intrested, a success. Doubt i have any talent though. Im willing to do whatever it takes!!! Whenever i feel half ok, i think of Miley Cyrus and wanting a bit of what she has, im not soo bothered about the money, i just want to know that im respected, people actually look up to me, because ive never felt happy with myself my hole life and want to make a big success so i can show people i can do it, so i can do something for myself, but what!!!

he says he's got a job offer from another company but it's in London. I love London but I wouldn't want to move there. And I'm in college. He says it he would get much more money and free time but he makes good money now and we don't have kids so it's not like we're struggling. He's been talking about it these past few days but I'm like no way because my whole life is here I can't just move so he can make more money, what's wrong with him? we live in NYC so it would be a big change

Im a college student so i have no money and no job but i wanna train martial arts. I was wondering does anyone know of a place in Buffalo, NY that offers free training. Thank You.

My son is 2years old and I am a college student who is 18. My son's mom has always been a shady one. She lets me see my kid extremely rarely and if I do happen to get him they drop him off at my house. For a good 6 months I did not even know where she lived. She would always insist that her parents would drop him off at my house. Just the other day I had a very disturbing phone call from my ex-friend which is friends with my son's mom and he told me that my kid was in danger of living in that home due to drugs being flown around every where. She promised me she would have him in good hands. I always wanted to have my son 2 weeks and then 2 weeks but she saw it as kidnapping and her boyfriend didn't very much approve of it. So just recently I received a letter from the LA child support services telling me I have to pay child support. I would hate to provide money to her for I know not all of it will go to my son. My ex-friends told me she would just waste it in her habit. All I really want is just the best for my son. Im not the richest person out there and I have heard that there are some attorneys that are willing to do this services for free? ( please mind I live in CA and i am aware other states have differnt laws).

So if I can get any help at all that would be great. Like where to start or just anything. I honestly feel like a lost boat in the sea.

Being that I'm inside the love, I may be blinded. But also, being that others are outside, they may not be making a well-informed decision. I found this sort of questionnaire, and I'd like to hear your opinions. I try to stay open-minded about all these, it's just that I'm not so sure how informed my friends are when they make assumptions.

You may be in an abusive relationship if he or she:
Is jealous or possessive toward you.
--He's jealous, yes. I thought that was typical.

Tries to control you by being very bossy or demanding.
--He does a sort of guilt thing, but when it doesn't work, he gives up. And then when it does work, he tries to take it back.

Tries to isolate you by demanding you cut off social contacts and friendships.
--Well, my friends didn't like him, and seemed to gang up against me whenever one person had an issue with me, and he didn't like that. Then, one of those friends tried to bamboozle me out of $2400... He didn't have to try to isolate me. Besides, I have new friends, and he doesn't have a problem with them.

Is violent and / or loses his or her temper quickly.
--No.

Pressures you sexually, demands sexual activities you are not comfortable with.
--Uhm, pressures, maybe kinda, but he's my first, I'm shy about this sort of stuff. He stops if I say I'm uncomfortable.

Abuses drugs or alcohol.
--No. Just video games. lol

Claims you are responsible for his or her emotional state.
--Don't quite know how to answer this one, don't get it.

Blames you when he or she mistreats you.
--I don't think he mistreats me.

Has a history of bad relationships.
--His mom and her side of the family. Even I don't like her, though. She talks bad about people, and always shouts at him and her husband.

Your family and friends have warned you about the person or told you that they are concerned for your safety or emotional well being.
--Yeah, that's why I'm asking this now. I just think that I have gone to them about the bad times too often and never about the good times, so they have a one-sided view of him.

You frequently worry about how he or she will react to things you say or do.
--Not frequently, but I do that with my mom, too. Does that mean she abuses me?

Makes "jokes" that shame, humiliate, demean or embarrass you, whether privately or around family and friends.
--Yeah, I've told him about that. The demeaning stuff. When I give him his own medicine, he feels the way I do, and I point that out and tell him to stop, but he still slips up about this.

Your partner grew up witnessing an abusive parental relationship, and/or was abused as a child.
--I think his mom emotionally neglected him.

Your partner "rages" when they feel hurt, shame, fear or loss of control.
--??? Does he break stuff? No... He doesn't shout or anything... no... "raging" I guess. He also doesn't like the dance style.

Both parties in abusive relationships may develop or progress in drug or alcohol dependence in a (dysfunctional) attempt to cope with the pain.
--Nah. No Bobby and Whitney here.

You leave and then return to your partner repeatedly, against the advice of your friends, family and loved ones.
--Guilty. Although a lot of people have said to 'Do what you think is best.'

You have trouble ending the relationship, even though you know inside it's the right thing to do.
--That's just it, I don't know if it's the right thing to do.

Does the person you love...
a�? constantly keep track of your time?
--He says he's worried that I'm hurt or in danger and stuff. He calls me very often.

a�? act jealous and possessive?
--Jealous, yes; possessive... slightly, I suppose.

a�? accuse you of being unfaithful or flirting?
--Sometimes, unfaithful, yeah.

a�? discourage your relationships with friends and family?
--With two friends, but I've written about that already.

a�? prevent or discourage you from working, interacting with friends or attending school?
--Attending school, no, working, yes, friends, in a way. If I'm free on the weekends, he'd like it to be spent with him because that's all the time we have for each other (we live an hour apart with hectic weekday schedules)

a�? constantly criticize or belittle you?
--Criticize, no. Belittle? Well, I'd like to be a housewife, and sometimes he belittles the importance of that lifestyle, saying I should make better use of my college degree that my mom urged me to get.

a�? control all finances and force you to account for what you spend? (Reasonable cooperative budgeting excepted.)
--No, but we don't have a joint account or anything... I kinda do that because he lives in a crappy rooming house, owes his dad some money, but he has a weakness for video games.

a�? humiliate you in front of others? (Including "jokes" at your expense.)
--Not in front of others, no. He cracks jokes like kids do to their friends: "Your fat butt is lazy!" "I bet that's why you have a big head!" "I bet I'll beat you." That kinda stuff.

Here's the story: I'm a 20 year old part time college student trying to figure out what to do with my life. I currently live at my mom's (rent free). She pays for just about everything; car insurance, health insurance, cell phone bill, etc.

My question is, do you think I should try to move out? I have two options: 1) to completely move out and get a place of my own/shared house. 2) to go live with my aunt (who has some health problems) in London and help take care of my 4 year old cousin.

If I choose option 1 I will have to wait quite a while so I can save some money, but if choose option 2 I could leave as soon as February. The reason why I'm struggling with what to do is because my mom would be very upset if I choose option 2. I know I would loose all funding that she's providing, but I could also make our relationship even more difficult. What are your opinions/advice, or what would you do in my situation?

Thanks for your replies :)

Should it not be the other way around having kids costs the country more money not less. My wife and I never want kids and we have to pay taxes each year where a friend at work who has 5 kids is not paying any taxes in fact he makes money in tax credits one year he was getting free health care and he made 40k a year, but because he had so many kids he qualified. Why should I pay for him to elect to have so many kids. I understand in years past where you needed a lot of kids to work on a farm but now days each kids will take so much from the earth. They will drive a car which consumes and pollutes. It's not fair does anyone else agree? If your kids go to college maybe they should get a tax break because they will pay taxes with a good job, but many in my city end up jobless or drop outs. I have 2 family members that have kids and all of them are dropouts or just live at home off there parents and 20+ years old.
Wendy, I'm sorry if I hit a cord with you raising poor kid's usually brings a lot of pain not joy. I know a few first hand. Having kids is a choice and paying taxes isn't a choice so I do see a difference. You should pay more taxes to have kids. Why should I pay for a public school when I don't have kids going there. I always vote those bonds down. Living poor isn't joy I see family with there kids who have kids all living on one person working 60 hrs a week. The cycle turns over again most poor don't produce anything good because poor in the US isn't hard enough to produce hard workers. The baby boomers knew what poor really was. We have had it too easy now. The last 100 years has been easy compared to the 100 years before that.

Ok so first off I'm only 18 and still in college (Electrical Engineering at Purdue North Central.) I would love to start a business today but I also think I should finish my education... Maybe theres a way I could do both? Anyhow I wan't to set up a shop, you know like a big building full of tools and work tables! Id have wood working machinery, metals/ welding, electronics, a CNC router... Maybe some automobile stuff! And it would be a like a gym membership where you pay so much a month and you have access to the shop to work on projects and stuff... Have tools available for "rent" almost for free if your a member... I have a lot more ideas for a business like this but ill save it... I think it would go over real well in our town/ city! Im just wondering how Id make money? I mean charge people $50-$150 a month (no idea whats resinable???) Even still how would I make rent/ mortgage however that works... Then id need money for all the tools and supplies... Any advice would be awesome! Even just ideas for the shop in general!

I am a senior and going to college next year. I want to be an elementary school teacher, so I won't make a lot of money.

I have fallen in love with a private college that runs about $40,000, room and board and all of that included. With scholarships, I'd be paying about $20,000 per year.

But I am also toying with the idea of staying in my hometown. There's a branch of Ohio State here, and I'm actually already taking a couple of classes there. It'd be about $5,000 per year. But due to family issues and such, I wouldn't live at home. I'd get an apartment with a friend. So I would have to get a job and pay for rent, utilities, bills, food, etc. all by myself. All of that could add up.

The thing is, I actually really like the idea of both options. But since I'd only be a teacher, I don't want to be over my head with loans and such. I don't know which option would ultimately be cheaper. Tuition at the community college is cheaper, but then at the private college things like food are included. Here I would have to pay to continue my YMCA membership, at the college there are work out facilities for free. You see what I'm saying?

Plus I don't know if it would be wise to get an apartment with my friend or not? I could never afford one by myself.

I don't know really, I just would like some thoughts and opinions.
Other thoughts:

If I stay in town I can keep my dog :)

My mother wants me to go to the private school. But she is a teacher and currently deep in debt. I see how she struggles and don't want to end up like her.

My father wants me to go to the community college. He, however, has lived in this town for his whole life (51 years) with the exception of about four years. He also didn't go to college.

I see a dozen questions each day from liberals saying things like:
"Why don't we make health-care free?"
"Why don't we make college free?"
"Why don't we make housing free?"

So are the professors going to work for free?
How about the doctors? Why should they need money to buy food?
Will new medicines just magically start appearing for free?
Will wood become free? Will houses build themselves?

Why can they not see that SOMEONE will have to pay for these things?
Why can they not see that if you want taxes to cover one house for each person, each person will have to pay taxes equal to the cost of one house? College for everyone similarly requires everyone to pay taxes equal to the cost of education for one person.

Are they really naive enough to assume that declaring these things "free" will suddenly make money for them appear out of the sky?

Or is it simply that they want the totalitarian state to force wealthy people to give up the money they've EARNED through effort and innovation to pay for everything for dead-beats?
LawGirl, I JUST ANSWERED a question not five minutes ago from a liberal asking why the US doesn't make college free. Are you kidding me?
Texan: You need to provide proof of your statement.

Proposer: Gays want the ECONOMIC advantages of marriage; they're asking for a handout.

Borgnine: Take an economics class. Generally, people pay what something is worth to them, otherwise THEY WOULD NOT PAY. If an inventor thinks up something of high value, he will get rich WITHOUT EXPLOITATION.
Proposer: Just because you BELIEVE marriage between a man and a gerbil is as valid as marriage between a man and a woman doesn't mean the rest of us do. Liberalism is your RELIGION. I'm not interested in your kooky religion or its kooky beliefs.

Finkle: I don't know who's been lying to you about European nations, but you have more reading to do if you want to know what living in Sweden is really like. Are you really lead around that easily?

Kill TV: I was LITERALLY quoting liberal questions I've seen, hence this is NOT a straw man. Apparently you don't know the difference. Besides, I've little doubt that you're just employing Tu Quoque anyway. You lose!
Proposer: Just because you BELIEVE marriage between a man and a gerbil is as valid as marriage between a man and a woman doesn't mean the rest of us do. Liberalism is your RELIGION. I'm not interested in your kooky religion or its kooky beliefs.

Finkle: I don't know who's been lying to you about European nations, but you have more reading to do if you want to know what living in Sweden is really like. Are you really lead around that easily?

Kill TV: I was LITERALLY quoting liberal questions I've seen, hence this is NOT a straw man. Apparently you don't know the difference. Besides, I've little doubt that you're just employing Tu Quoque anyway. You lose!

Im starting to realize that i like medicine so now i am majoring in pharmacy and i feel like i should have figure that out along time ago im 23. My little sister is about to graduate high school and she like is going to college right away. I dont know i wish i could turn back the hands of time and been more focus. I still live with my parents who try to control my life in some ways when i try to get my freedom its an heated argument. I want to get my own place but i am currently unemployed i quit my job wish i wish i didnt becausae its so hard to get another one. I quit because i was overworked and underpaid no one respected me and i was being sexually harrased i felt so uncomfortable in that workplace cause i was working for a company that was scamming people for thier money and lying to them saying they will give them free things when they didnt. I couldnt stand it no more and now i just dont know what to do to make my life better.I want to move out to my own place. Any advice to cheer me up feel like a loser

how much money does bill gates have

2009-10-30T05:26:00.001-07:00

They weren't asking for money for themselves (the Gates foundation already has so much money to spend each year that they discourage individual donations), but rather to lobby US policy makers and citizens to continue the increasing ... If the Gateses indeed have a much-improved aid model, then why this big campaign to defend US government aid agencies (including USAID), whom we and many others have documented do not change in response to a�� or even acknowledge a�� failures? ...... financial industry paychecks so big? In his latest High & Low Finance column, The New York Times's Floyd Norris examines what factors have driven so much money into the financial services industry in recent years. ... You don't hear a lot of carping about how Bill Gates and Steve Jobs became so wealthy. There is no doubt that the allocation of credit a�� a primary function of the financial industry a�� is a crucial function, particularly in an economy undergoing change. ...Sorry I don't think borrowing money from China to give to some Third World Country is smart managing of the US debt. We have to stop using the National Credit Card and start digging out of debt. Let Bill Gates gives ALL his money away -- This .... I am all for altruism and bravo to both Bush and Obama for giving foreign aid - but shut the hell up Bill Gates. I'm sorry but I just can't stand that guy. Does anyone else want to punch him in the nose whenever they see him? ...... not only potentially increase food production but have replaced the need to spray crops with chemical pesticides, which sickened or killed Africans. Those farmers who spray can now streamline the process, saving them much time and money . ... However misled he is on other issues, Bill Gates deserves credit for standing up against the Green Left on this point. The question remains, will he do so on the issue that seems closest to his heart: the eradication of malaria in ...I doubt the government can put(not raise, as I said earlier, much of the money being raised is not put into effect.) one billion for one particular foundation without a fuss. You and I KNOW Bill Gates can. I use Gates as an example to exemplify my point, .... If the people feel that providing health care is the government's responsibility, and policy gets shaped to do so, then the people have spoken. The government is there to represent what the people want. ..."There have been people in both parties who have been willing to take the risk. So far it hasn't been that one party is for saving babies' lives and another party has taken a position against that," Bill Gates said."We want to make sure these things don't get cut just because people don't understand the effect they are having," Melinda Gates said. The money does not always disappear to "dictator's mansions," Bill Gates added. Posted by World Of Mysteries at 2:32 PM ...Had any of us had a crystal ball we could have predicted many things and by now been richer than Bill Gates and Warren Buffett 10 times over. That's because we could have foreseen the explosion of contingency recruitment, contract and temp ... Why not do both, and over time I believe job board administrator recruiters will develop a much more rewarding career. Who knows, maybe you'll like it so much you'll be around in 50 years to tell the ERE community about your "most ...That chart leaves out a big component, wages of manufacturing jobs. They have stagnated or declined, largely due to the neoliberal, Brad DeLong endorsed, and Clinton implemented, free trade globalism policies of the last 15 years. Walker Says: ... Pretty much everyone else is engaged in the clusterfuck that is the a�?servicea�? economy. You sound like the IBM executives who handed Bill Gates the PC OS monopoly. They thought all the money was in hardware, not software. ...Somewhat Frank less than a day ago. With baseball in it's final series of 2009 I wanted to share some of my thoughts on baseball, branding and social media, thoughts that have been brewing for a while. ... Melinda Gates discusses HIV/AIDS Bill Gates discusses Malaria Bill Gates shares The Living Proof Bill and Melinda Gates Share the Proof. Last night, I attended the Bill and Melinda Gates Foundation's The Living Proof project presentation. ...Just to let you catch up with the crowd as we move along here, I can at least tell you that this first a�?smart grida�? is in Boulder, Colorado, the small college town outside of Denver (and a beautiful place, with lots of money and a liberal .... 13 comments for a�?a�?The Smart Grid: Bigger than Bill Gatesa�?a�?. We have been customers of Commonwealth Edison (chicago) Exelon for over a year in their RESIDENTIAL REAL TIME PRICING program and also the program that turns off the air ...
WHAT KIND OF EVIL HUMAN NEEDS 400,000 A MONTH TO LIVE ON IN WORLD WHERE 12% OF AMERICANS ARE OUT OF WORK,AND MILLIONS ARE STARVING TO DEATH? WHY CAN'T THIS EVIL FEMALE BE MORE LIKE BILL GATES WIFE, WHO SPENDS MILLIONS HELPING POOR PEOPLE? what is it with females being so greedy and money hungry?

i think steve would just throw money, while bill beats the shit out of steve.

I can understand insecurity, but when you look in the mirror and see those big eyes and high cheekbones and sexy body, what in the world makes this "not good enough"? I know people say "Oh, well, we compete with other beautiful women" - big deal! Larry Bird played against Michael Jordan but it's not as if Larry Bird went home and said "Oh, I suck at basketball, this is just so horrible!"

What is it? It seems to me that beautiful women just rule the world. They can walk in the rain between the raindrops and bring traffic to a halt. How they end up insecure is one of the world's greatest mysteries to me.

I suppose someone could say "Well, they know that looks aren't forever," but so what?! Neither is money, but I doubt Bill gates sits around worrying about not being able to pay the bills.

Please, only beautiful women answer. I am not interested in the theories of dumbass guys. If I wanted a dumbass guy's theory, I would just rely on my own. : )

I know he is giving most of it to the Bill & Melinda Gates foundation, but seriously - couldn't he think of anything better to do with it for humanity than fight AIDS in Africa?

He could use it to do almost anything, like start businesses that actually serve mankind while making a profit.

He could do so much with it; but what has he done? He's provided Africa with a couple billion free condoms.

What a difference he's made!

Something like that, give them one meal to help them out... put your money where your mouth is...

FROM,
EURO AFRO ASIA SWEEPTAKES LOTTERY INTERNATIONAL
AN AFFILIATE OF FOUND MONEY INTERNATIONAL
IPP AWARD DEPT,
580 N.TENTH STREET,
SACRAMENTO,CA 85914 ARENA COMPLEX,
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WINNING NOTIFICATION.
We happily announce to you the draw of the Euro - Afro Asian Sweepstake Lottery International programs held on the 15TH of October, 2009 in Amsterdam Holland.

Your e-mail address attached to ticket number: 694 7443465 L25 which subsequently won you the lottery in the 3rd category.

You have therefore been approved to claim a total sum of E� 200,000.00 (Two Hundred Thousand Euro) in cheque.

This is from a total cash prize of E� 960,000,000.00, shared amongst the winners. Please note that your lucky winning number falls within our Africa booklet representative in Accra Ghana as indicated in your play coupon, In view of this, your E� 200,000.00 (Two Hundred Thousand Euro) cheque would be released to you by our fiduciary agent in Accra Ghana .

Our Fiduciary agent will immediately commence the process to facilitate the release of your cheque as soon as you contact him.

All participants were selected randomly from World Wide Web sites and guest books through computer draw system and extracted from over 200,000 individuals and companies.

This promotion takes place annually and it is sponsored by Sultan of Brunei, Bill Gates of Microsoft and his associates to encourage the use of internet and computers world wide.

For security reasons, you are advised to keep your winning informationa��s confidential till your claims is processed and your cheque delivered to your nominated address through an approved delivering officer appointed specially for this program.

This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program by some unscrupulous elements.

Please be warned. To file for your claim, please contact by email first our fiduciary agent: Barrister Kojo Festus, Accra Ghana , Email Address is: barr_kojofestus@yahoo.com OR bar_kojo_festus@hotmail.com Telephone numbers +233 542 591365.

To avoid unnecessary delays and complications, you are to contact the fiduciary agent in Ghana with the followings details below.

Your full names,
Age,
Private telephone/fax number
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Nationality.
A scan copy of International Passport, Driver Licenses or Valid I.D Card.

Always quote your Ticket number in any correspondences with us or our designated agent. Winners under 18 years of age will be automatically disqualified.

Congratulations, once more from all members and staffs of this program. Thank you for being part of this promotional lottery program.

Our special thanks and gratitude to Sultan of Brunei , Bill Gates of Microsoft and all his associates.

CONTACT YOUR FIDUCIARY AGENT DIRECTLY,
Sincerely,
MS LAURA FREDRICKS
EURO AFRO ASIA [ZONAL CO-ORDINATOR]
FOR,
EURO AFRO ASIA SWEEPTAKES LOTTERY INTERNATIONAL
AN AFFILIATE OF FOUNDMONEY INTERNATINAL
IPP AWARD DEPT,
580 N.TENTH STREET,
SACRAMENTO,CA 85914 ARENA COMPLEX,
KM 18,ROUTE DE RUFISQUE
AMSTERDAM,
NETHERLANDS.

i'm the only account on my cpu, so i'd assume i'd be able to delete any non essential fiel that i choose. how do i delete files when it's claimed that "i need authorization to perform this action"? i dont have money to get another OS, so i have to deal w/ vista as best as i can until i can get another OS. screw you bill gates, i hope you truly love money, cuz your product's quality obviously isnt a factor in your decisions

does he reward non-nelievers so well?

Think about it Richard Branson, Ted Turner, Bill Gates, Brad Pitt, Angelina Jolie, Vince McMahon, Warren Buffet, Larry Ellison, Albert Einstein, Billy Connelly

All these people dont believe in God yet they get rewarded with money looks and brains

ok so someone broke in my house and left the back gate open where my pit-bull was at.. when i got home i saw my back gate wide open so i ran back there to see what had happened and my dog wasn't there anymore... i took off in search for my dog and i when i finally found him a guy told me my dog had bitten a poodle mix.. i went to talk to the owner of the dog and told them that i would take care of all the vet bills and she said it was going to be like $800-$1300.. but the dog seemed fine she was still running around and walking but i did see that she had been bitten near her back...i want to take care of this and i am.. but im a student and don't have that type of money.. i live in dallas.. if anyone knows where i could find a vet that doesn't charge that much or if you have any advice as to what i can do please let me know.. thanks a lot .. by the way my dog has his rabbies shots, he is vaccinated and microchiped has been dewormed and has never bitten another dog before

I know that every bank guarantees that if the bank went out of business you get up to $100,000 of your money(if you have that much) back but not more, If a guy has $40 million dollars which is common in California, where does he keep his money. Let's say Bill Gates, he has more than $40 billion, where does he keep his money? in local banks? I don't think so.

This is probably the wrong question title, but I needed something that would grab people's attention. I just read a donation that Bill Gates foundation made to a museum and though I think it would be more helpful to people who lost their homes/jobs during the past year, I still applaud the gesture. Of course, there are other people finding a way to criticize him. What is wrong with doing good if you have the money?
Also, a lot of people are going against Ivanka Trump because of the book she just released. Instead of reviewing the book based on its contents, some people are saying that Ivanka never worked hard in her life to have so much money because she had rich parents.
Why do some people feel the need to excuse someone's success? It's not just for rich people, but anyone whose successful.
I'm 16 and I have this as an assigment for my Sociology class, but I'm quite interested to know why some people would feel that way. Thanks for your hep.

$10-20 minumum gift cards as favors for their guests. If a person has even 25 guests, not to mention the average 100+ that most do, that is going to be a huge chunk of money spent that could easily be spent on things that guests really appreciate and remember which is food and music, not to mention, you'd have to sacrifice photography which is the only thing the couple has at the end of the day after the food is eaten and the flowers die. In the current economy, which still has not recovered, not everyone can afford what they want so they're having to scale back quite a bit as it is. Only someone who has the paycheck of Bill Gates or Donald Trump could afford such a thing, so how realistic do folks actually think is a suggestion of giving gift cards as a favor to your guests? Even when coupled with the fact that favors are never required and usually the first thing to go if the budget is tight and/or the bride and groom don't care about them at all.
Strawberry, I actually had never heard of it until someone else mentioned it here earlier.

For 6 of the 8 yrs. Bush was in Office , the Repubs held Both houses, The not only spent more than our first 40 Presidents ALL COMBINED, He also Borrowed as much as he spent from China and not one DIME of all that was spent on creating jobs or preparing Americans for the jobs of the future. The Repubs introduced an alphabet soup of "H-1 " visa bills which Bush was all too happy to sign into law. Each of these Many bills cleared the way for millions of cheap workers to enter the USA from India etc.Even as the Unemployment Rate was SCREAMING out of control in the last yrs. of the Bush regime, Bush along with Bill Gates fought hard rite up to Bush's last week in office to pass a 4 yr. visa bill to import 500,000 High Tech. workers per yr to fill jobs needed so badly by our own collage grads! Factor in Bush's "Fast Track Law" which he signed into law by executive order. His "Fast Track Law" gave himself the sole authority to approve the Requests of large US co.s wanting to move their operations over seas! Of which Bush approved 100% of these requests. When Bush was asked about the state of the economy and the high rate of unemployment, He Grinned, and answered in a whiny voice,.." Why did it have to happen while I was still president?"
Yes Obama is spending Big $$s,And Much of the Money in the Stimulus bill has not been put to use yet but the $ that has been spent IS creating jobs. What could the reason be for blaming High unemployment on Obama ?

ok wt sort of life style would people have would it be more to the rich Bill gates sort of life or the extreamly poor side?

I have just entered college and I'm debating on 2 different careers.
I am debating between HOTEL MANAGEMENT/TOURISM & DENTAL HYGIENE.

(Both careers are 2 yr course at the school I'm attending)

I enjoy:
traveling
MONEY MONEY MONEY
doing different things
interacting with people a lot
doing 'easy' work

I dislike:

routines
hard laborious work
low wage lol
being the lowest employee
working for a company for decades

I studied dental assisting in high school, and worked as a D.A before. I know that Dental Hygienists will always make a little bit more than Hotel Managers, and that's why I'm a bit more inclined towards D.H.
YET, I think I'd enjoy more the Tourism career.

I want to live an upper-class life, with many luxuries [im not talking Bill Gates lifestyle here btw] and not so much work.....

Any suggestions/tips?

Thanks very muchh!

I have lived at my apartment complex for a year and 1 month now, and have ALWAYS paid my rent on time never a day late. Rent is late by the 4th yesterday was the 5th and I had not yet paid my rent because i had to go pick up the rest of the money from the bank because it was now Monday and the bank was open. I had not paid my rent yet on the 4th cause i needed to i had about 150 left to make to pay in full.
at about 3:30 in the pm i get a knock at my door from one of the office managers "hi, i juts wanted to see if u were going to pay ur rent?" remember its only a day late and I ALWAYS pay my rent on time if not early from the time that i have lived here. "yes I am, i am on my way now to the bank to pick it up" then she continues to start asking me all these invasive in my mind inappropriate questions.
"I also see that the electric bill is being changed into someone elese"s name?" for a minute I had to think. "oh yes it is from my dad"s to my boyfriends" she then asks "is ur boyfriend living with you?" i tell her no cause he is not he is just nice enough to help me out and pay my electric bill cause he is so sweet :-) she hears my dog in the backround and asks "have u paid a pet deposit?" i say yes a long time ago. I t was back in may we they opened my apt to fix a dishwasher that was leaking to my neighbor below they said it was very important to fix the dishwasher and so they went ahead and came in BUT they didnt fix the dishwasher until 1 MONTH AND 2 DAYS LATER SHOCKING to me HOW IMPORTANT IT WAS!!!! I think they just wanted to come into my apt for some reason. And let me tell u had they had NO REASON WHATSOEVER!!! Her last statement was oh by the way dont forget to add 60 dollars for late fees!!! When she asked all those questions I think maybe she could see i was getting a little offended and she said "just covering all the basics" which maybe they should have said all this stuff in the beginning when i first moved in. I have lived here for 13 months have always paid my rent on time never done anything wrong and then all of a sudden i get this kind of treatment.

My main question is was this WARRANTED for her to ask me all those questions? I certainly did nothing wrong to provoke it at all.
and is there anyhting i can do about this?

thanks sorry so long of a question :-/

and the gate for the apartments is always BROKEN nice gated community haha
let me be PERFECTLY CLEAR about this I am telling you waht happened unfortunatley for you you were not there to see how rudely these questions were stated! Over reacting absolutley not since I have ALWAYS done everything right and I explained calmly and with detail the answers to her questions
oh and sk8trr and rtfm please take ur finger and stick it up ur asses
well acermill sk8 and rtfm was not very nice it was very offensive espcially since they are NOT in the situation some people have no sympathy they are automatically rude telling someone to grow up and that they are over reacting is very offensive and not nice i asked a simple question i did not ask for people to give me their opinions on whether or not im being childish cause im not. I am just asking a simple question

I work a stressful job (police ofc) 40-45hrs a weeks, four ten hour days....my wife is a gate agent at an airliner and works 20hrs a week, four five hour days......we have a toddler together as well......the argument is this.......I say to her that I make most of the money, I pay basically all of our bills and make 80% of our income and that I believe its fair if she keeps the house clean because she only works part time (she is very lazy about cleaining up, and the place is kept a mess most of the time)....she states that i don't do anything around the house and she also watches our son (I watch him too, and you can still get things done with a toddler) every time we argue I bring this up and she just repeats well what do you do besides work (which I think you can't just exclude that)......please tell me if you agree or disagree that I am being fair about working a stressful 40-45 hrs a week, and she works 20-22 hrs a week and keeps the place clean.....it only takes an 1 or 2 a day to keep the place clean.....am I being fair.....Thanks for your comments
****1 or 2 hrs a day to clean up the place.....she does cook 3-4x a week as well..
***1 or 2 hrs a day if that

I have a child support order in place. The order requires me to pay a percentage of my income each month plus half of medical and daycare. It requires my ex to send medical bills to me each month as well.

1. Over the past two years, my ex has not sent any medical bills to me. She is required to send these to me each month as stated in the child support order. Do I need to send a certified letter requesting that she complies with the court order to cover myself?

2. My ex is requesting money for school related expenses for my children. I was under the impression that this was part of what she was to use my child support check for each month. Am I wrong? Am I also required to send her additional money on top of what I am already sending her?

3. I recently discovered that I am overpaying her by almost 100.00/month. I do not have access to her stubs but I do have a payscale and am aware of what she is making. Is it worth it to pursue a modification, knowing that she will open the gates of hell and torment with her lawyer demons?

4. Why won't she leave me alone and allow me to get on with my life? She is constantly emailing me at work even though I've requested that she only send emails to my personal email account. She calls me at all hours of the night and doesn't leave messages. She accuses me of not caring for my children even though I've fought to have them in my life. How can I avoid having contact with her without hiring a lawyer (I can not afford a lawyer) or getting a restraining order from the local magistrate?

Thanks!

I already know about his mansion, but when I search this, I don't get anything else but what he has donated.

I dont want to know what he has donated.

And sources please!!!!

Friends,

I'd like to have a word with those of you who call yourselves Christians (Muslims, Jews, Buddhists, Bill Maherists, etc. can read along, too, as much of what I have to say, I'm sure, can be applied to your own spiritual/ethical values).

In my new film I speak for the first time in one of my movies about my own spiritual beliefs. I have always believed that one's religious leanings are deeply personal and should be kept private. After all, we've heard enough yammerin' in the past three decades about how one should "behave," and I have to say I'm pretty burned out on pieties and platitudes considering we are a violent nation who invades other countries and punishes our own for having the audacity to fall on hard times.

I'm also against any proselytizing; I certainly don't want you to join anything I belong to. Also, as a Catholic, I have much to say about the Church as an institution, but I'll leave that for another day (or movie).

Amidst all the Wall Street bad guys and corrupt members of Congress exposed in "Capitalism: A Love Story," I pose a simple question in the movie: "Is capitalism a sin?" I go on to ask, "Would Jesus be a capitalist?" Would he belong to a hedge fund? Would he sell short? Would he approve of a system that has allowed the richest 1% to have more financial wealth than the 95% under them combined?

I have come to believe that there is no getting around the fact that capitalism is opposite everything that Jesus (and Moses and Mohammed and Buddha) taught. All the great religions are clear about one thing: It is evil to take the majority of the pie and leave what's left for everyone to fight over. Jesus said that the rich man would have a very hard time getting into heaven. He told us that we had to be our brother's and sister's keepers and that the riches that did exist were to be divided fairly. He said that if you failed to house the homeless and feed the hungry, you'd have a hard time finding the pin code to the pearly gates.

I guess that's bad news for us Americans. Here's how we define "Blessed Are the Poor": We now have the highest unemployment rate since 1983. There's a foreclosure filing once every 7.5 seconds. 14,000 people every day lose their health insurance.

At the same time, Wall Street bankers ("Blessed Are the Wealthy"?) are amassing more and more loot -- and they do their best to pay little or no income tax (last year Goldman Sachs' tax rate was a mere 1%!). Would Jesus approve of this? If not, why do we let such an evil system continue? It doesn't seem you can call yourself a Capitalist AND a Christian -- because you cannot love your money AND love your neighbor when you are denying your neighbor the ability to see a doctor just so you can have a better bottom line. That's called "immoral" -- and you are committing a sin when you benefit at the expense of others.

When you are in church this morning, please think about this. I am asking you to allow your "better angels" to come forward. And if you are among the millions of Americans who are struggling to make it from week to week, please know that I promise to do what I can to stop this evil -- and I hope you'll join me in not giving up until everyone has a seat at the table.

Thanks for listening. I'm off to Mass in a few hours. I'll be sure to ask the priest if he thinks J.C. deals in derivatives or credit default swaps. I mean, after all, he must've been good at math. How else did he divide up two loaves of bread and five pieces of fish equally amongst 5,000 people? Either he was the first socialist or his disciples were really bad at packing lunch. Or both.

Yours,
Michael Moore

Bill Gates lost $7 billion and I lost $80,000. Who has got this money? Who made a profit on every ones lost?

My Professor Miss V says that the thesis needs more argument in it but I don't know what she means, I guess it's not strong enough, can someone help me?

Individual Opportunity: Myth or Reality

Many people have dreams whether it is to buy their dream car, dream house, or go on their dream vacation. Here in the land of freedom and opportunities, there is one dream that everyone strives for; the American Dream. The American Dream can mean different things to many people. For some it can mean success or freedom, for others, it can mean having lots of money and luxurious things. In today's society, almost every person hopes for this dream. But is it possible for each and every person to achieve this dream? Some people go to school, get a well-paying job, and are able to make it to the top while the fortunate ones get there on pure luck. Then there are others who have difficulties climbing the economic ladder and remain at the bottom discovering this dream is nothing more than a myth with endless trials and disappointments. While some are struggling to survive in this world today, Americans should appreciate what they have and realize the benefits this country has to offer them; that with hard work, determination, and a good education, anyone can succeed with the right attitude.

So what is the American Dream? Essentially it is the idea that anyone can succeed through thrift and hard work, and be potentially happy living successful lives. People were always taught that if they were honest and worked hard enough, they were able to obtain their dreams. However, the American Dream seems to be more difficult to reach nowadays because not everyone is content with what they have. Society is caught up by the media and everything around them and are brainwashed to believe that the American Dream includes big mansions, luxury cars, and expensive possessions. The definition of success has also been changing over the decades and is causing people to desire things that they never would have before. As some would define success by getting married and having a family, others would define it by making a six-figure salary and wearing designer clothes and accessories. With today's generation, it is never enough and people tend to want more and more which raises the standards of success for some people causing many to lose hope in their dreams. When people are not satisfied or happy with what they have now, it leads to unhappiness and desiring more means having to make more money. In Toni Cade Bambara's "The Lesson" Sugar quotes, "Well we got four dollars anyways, we could go to Hascombs and get half a chocolate layer and then go to the Sunset and still have plenty money for potato chips and ice cream sodas." Instead of struggling to pay off credit cards used to pay for unnecessary material things, people should learn to be content and happy with what they currently have and perhaps they would be able achieve success.

Success in America is not guaranteed, however, neither is it a guaranteed doom of failure. America is known for its diversity of cultures filled with many difference colors and backgrounds. Every individual is given the opportunity to succeed regardless of what they are or where they came from. Although, it is true that a white child raised in an upper-class neighborhood will have greater chances of success then an African-American or Hispanic child who was raised in a poor community, it does not mean that success cannot be obtained. In Ken Hamblin's "The Black Avenger" he states, "I have never believed a�� because I was never told a�� that because of the color of my skin I could never get the fullest measure of opportunity in America." Chances for success in America are definitely possible if a person is determined enough and put the extra effort in to it. To say that because of one's gender, race, color, religion, sexual orientation or background, success is unattainable, is just another excuse to give up. It might take more work and motivation to climb to the top, but if everyone knew the benefits and resources available to them, they would realize that success is very possible.

Education is certainly not necessary for someone to become successful. Look at Bill Gates, Thomas Edison, and Steven Spielberg. However, not everyone has the same intelligence and skills of these men. Many people require a good education background. It has been traditionally said that a good education leads to success. It is a fact that a person who graduated with a college degree has greater chances of finding a well-paying job than those who do not. The government offers assistance to those interested in a higher education. Government grants, financial aid, and scholarships are just to name a few. Many people are not even aware of the benefits available to them because they are not informed about it or they might not have the tools to research about it. Some may not even feel they are good enough or smart enough to even try. De

Individual Opportunity: Myth or Reality

Many people have dreams whether it is to buy their dream car, dream house, or go on their dream vacation. Here in the land of freedom and opportunities, there is one dream that everyone strives for; the American Dream. The American Dream can mean different things to many people. For some it can mean success or freedom, for others, it can mean having lots of money and luxurious things. In todaya��s society, almost every person hopes for this dream. But is it possible for each and every person to achieve this dream? Some people go to school, get a well-paying job, and are able to make it to the top while the fortunate ones get there on pure luck. Then there are others who have difficulties climbing the economic ladder and remain at the bottom discovering this dream is nothing more than a myth with endless trials and disappointments. While some are struggling to survive in this world today, Americans should appreciate what they have and realize the benefits this country has to offer them; that with hard work, determination, and a good education, anyone can succeed with the right attitude.

So what is the American Dream? Essentially it is the idea that anyone can succeed through thrift and hard work, and be potentially happy living successful lives. People were always taught that if they were honest and worked hard enough, they were able to obtain their dreams. However, the American Dream seems to be more difficult to reach nowadays because not everyone is content with what they have. Society is caught up by the media and everything around them and are brainwashed to believe that the American Dream includes big mansions, luxury cars, and expensive possessions. The definition of success has also been changing over the decades and is causing people to desire things that they never would have before. As some would define success by getting married and having a family, others would define it by making a six-figure salary and wearing designer clothes and accessories. With todaya��s generation, it is never enough and people tend to want more and more which raises the standards of success for some people causing many to lose hope in their dreams. When people are not satisfied or happy with what they have now, it leads to unhappiness and desiring more means having to make more money. In Toni Cade Bambaraa��s a�?The Lessona�? Sugar quotes, a�?Well we got four dollars anyways, we could go to Hascombs and get half a chocolate layer and then go to the Sunset and still have plenty money for potato chips and ice cream sodas.a�? Instead of struggling to pay off credit cards used to pay for unnecessary material things, people should learn to be content and happy with what they currently have and perhaps they would be able achieve success.

Success in America is not guaranteed, however, neither is it a guaranteed doom of failure. America is known for its diversity of cultures filled with many difference colors and backgrounds. Every individual is given the opportunity to succeed regardless of what they are or where they came from. Although, it is true that a white child raised in an upper-class neighborhood will have greater chances of success then an African-American or Hispanic child who was raised in a poor community, it does not mean that success cannot be obtained. In Ken Hamblina��s a�?The Black Avengera�? he states, a�?I have never believed a�� because I was never told a�� that because of the color of my skin I could never get the fullest measure of opportunity in America.a�? Chances for success in America are definitely possible if a person is determined enough and put the extra effort in to it. To say that because of onea��s gender, race, color, religion, sexual orientation or background, success is unattainable, is just another excuse to give up. It might take more work and motivation to climb to the top, but if everyone knew the benefits and resources available to them, they would realize that success is very possible.

Education is certainly not necessary for someone to become successful. Look at Bill Gates, Thomas Edison, and Steven Spielberg. However, not everyone has the same intelligence and skills of these men. Many people require a good education background. It has been traditionally said that a good education leads to success. It is a fact that a person who graduated with a college degree has greater chances of finding a well-paying job than those who do not. The government offers assistance to those interested in a higher education. Government grants, financial aid, and scholarships are just to name a few. Many people are not even aware of the benefits available to them because they are not informed about it or they might not have the tools to research about it. Some may not even feel they are good enough or smart enough to even try. Despite a persona��s race or background, no one should feel that just because they are born in poverty or grew up in a lower class neighborhood, they have
Do not care about the software, just want someone to proofread my essay, my professor will know its my writing, I've had her the last 2 semesters. She knows how I write, but thank you for your concern. I am not starting over, I spent the whole weekend writing my essay and I've emailed her several times while writing asking for help. She knows my writing style.
My professor is Miss V.
My professor is Miss V.

Just like Bill Gates pioneered coding and created so much with that?

Reverend, so... These 2 are amongst the wealthiest... I can name thousand of such people... And let me ask you, even if ALL of wealthiest indeed, inherited their wealth - didn't people who they inherited it from - EARNED it? And even if they didn't - how is anybody's wealth (money) is YOUR business? You see, barry soTUro has the same bias as you... That fake impostor promised "re-distribute the wealth"... Guess what? I am no millionaire, I am working from age 13, and I earned everything I have... And not you, or hussein have ANY right to MY ONE RED penny... Got it?

IDIOT SIGHTING:
We had to have the garage door repaired. The Sears repairman told us that one of our problems was that we did not have a 'large enough motor' on the opener. I thought for a minute, and said that we had the largest one Sears made at that time, a 1/2 horsepower. He shook his head and said, "Lady, you need a 1/4 horsepower." I responded that 1/2 was larger than 1/4. He said, "NO, it's not.. Four is larger than two..." We haven't used Sears repair since.

IDIOT SIGHTING:
My daughter and I went through the McDonald's take-out window and I gave the clerk a $5 bill.. Our total was $4.25, so I also handed her a quarter. She said, "You gave me too much money." I said, "Yes I know, but this way you can just give me a dollar bill back." She sighed and went to get the manager who asked me to repeat my request. I did so, and he handed me back the quarter, and said "We're sorry but we cannot do that kind of thing." The clerk then proceeded to give me back $1 and 75 cents in change.. Do not confuse the clerks at McD's.

IDIOT SIGHTING:
I live in a semi rural area. We recently had a new neighbor call the local township administrative office to request the removal of the DEER CROSSING sign on our road. The reason: "Too many deer are being hit by cars out here! I don't think this is a good place for them to be crossing anymore." From Kingman , KS .

IDIOT SIGHTING IN FOOD SERVICE:
My daughter went to a local Taco Bell and ordered a taco. She asked the person behind the counter for 'minimal lettuce.' He said he was sorry, but they only had iceberg lettuce. From Kansas City

IDIOT SIGHTING:
I was at the airport, checking in at the gate when an airport employee asked, "Has anyone put anything in your baggage without your knowledge?" To which I replied, "If it was without my knowledge, how would I know?" He smiled knowingly and nodded, "That's why we ask." Happened in Birmingham , Al.

IDIOT SIGHTING:
The stoplight on the corner buzzes when it's safe to cross the street. I was crossing with an intellectually challenged coworker of mine. She asked if I knew what the buzzer was for. I explained that it signals blind people when the light is red. Appalled, she responded, "What on earth are blind people doing driving?!" She was a probation officer in Wichita , KS

IDIOT SIGHTING:
We were having a good-bye luncheon for an old and dear coworker, as she was leaving the company due to 'downsizing.' Our manager commented cheerfully, "This is fun. We should do this more often." Not another word was spoken. We all just looked at each other with that deer-in-the-headlights stare. This was a lunch at Texas Instruments .

IDIOT SIGHTING:
I work with an individual who plugged her power strip back into itself and for the sake of her life, couldn't understand why her system would not turn on. A deputy with the Dallas County Sheriff's office , no less.

IDIOT SIGHTING:
When my husband and I arrived at an automobile dealership to pick up our car, we were told the keys had been locked in it. We went to the service department and found a mechanic working feverishly to unlock the driver side door. As I watched from the passenger side, I instinctively tried the door handle and discovered that it was unlocked. "Hey," I announced to the technician, "It's open!" His reply, "I know. I already got that side. This was at the Ford dealership in Canton , MS

IDIOT SIGHTINGS:
When I left Hawaii and was transferred to Florida , I still had the Hawaiian plates on my car, as my car was shipped from Hawaii . I was parking somewhere (I can't remember) and a guy asked me "Wow, you drove from Hawaii to here?" I looked at him and quickly said "Yep. I took the Hawaii/San Francisco Bridge". He nodded his head and said, "Cool"!
mr217sho... Your answer was so funny. It was hard to pick but I had to go with the bus driver story! Thank you for answering.

If I understand the General correctly he wants a surge of U.S. forces into Afghanistan in order to:

1. Protect Afghans from Taliban intimidation

2. train the develop military and police forces in Afghanistan

These are the key elements in McChrystal's nation building plan which he hopes to achieve by prevailing in a Petraeus style counter-insurgency war.

On its face the scheme appears completely crazy and here is why:

You can't tell who is Afghan and who is Taliban in Afghanistan. So for us to be trying to protect one sort of unidentified Afghan from another sort of unidentified Afghan, is really pretty much like what Lt. Calley was facing at My Lai. It's chaos, it's not war. It's a melee in which U.S. soldiers are placed into the maximum concievable peril to accomplish a goal that has nothing whatsoever to do with USA, and which is structurally impossible due to lack of clarity in the situation on the ground. It's Hue City all over again.

To make this point in a more cross-cultural context let's examine the case of Ahmad Wais Afzali, who you may recall is the informant in the case of Najibullah Zazi the alleged possible terrorist.

Mr. Afzali was giving information to both sides. He was tipping off the FBI about the alleged terroriists, AND he was tipping off the alleged terrorists about the FBI and their phone bugs.

In the West such conduct would appear to be that of a totally dishonorable scalawag.

In Afghanistan it is the mark of a true man, a man of honor, a man to be admired. The inscrutability of the Afghans to outsiders is their greatest pride. Anyone who gives infomation to both sides is just doing the Afghan thing. It's a thing they have. You could call it, "grab everything you can for yourself, and get paid by both sides; switch sides whenever necessary, convenient, or plausible".

The West and Afghanistan are two very different cultures. What is dishonorable for us is highly honorable for them. What is most dishonorable for them is highly honorable for us. So we're only 180 degrees out from each other.

Into this cauldron goes Stanley McChrystal, the lunatic, with the idea that he's going to sort out which one is an Afghan, which one is a Taliban, and then protect the one from the other, in an area the size of Texas, and the topography of Switzerland.

Everybody over there is going to be straight with him, like Chalabi was, like Mailiki is, like Karzai is, like the Imams were at Tora Bora.

Then he's going to stand up an Afghan police force and an Afghan military reporting to whom -- Karzai -- the crook. Oh that's going to make the place a much better nation -- more civilized, more built. And the dividend to the US taxpayer -- Zero, Nada, Nihil, Zilch! Nobody in the USA will be any better off if Karzai has a military and a police force. Karzai will get to be a bigger more violent more selfish crook. How does that help us?

There are no Afghans in Al Qaida.

There and very very few Al Qaida in Afghanistan.

As usual we have selected the exact wrong country to attack.

We need to go in to the Federally Administered (Ha, what a joke) areas of Pakistan (Waziristan and South Wazirstan). But we don't need to go there on the ground. We need to go in the air, with Predators, and AWACS and satellites, and real good targeting, which we could do if we weren't wasting trillions of dollars on crazy Stanley McChrystal's ideas, which he learned from Gen Petraeus, his boss.

Petraeus claims huge success in Anbar province in Iraq, where we gave every local Sheik huge suitcaces full of $100 bills, to be on "our side" for 15 minutes. Before we do more Petraeus-style warfare, let's get all the way out of Iraq, and see if the whole place does or does not come apart like a soft peanut.

We may learn that our ability to "stand up" police and military forces is exactly Zero -- we have no such ability, never did, the Iraq people just played along to get us out of there.

Is Sen Levin going to figure this out? He's the Senator that wrings his hands, but always sends the money for more war -- never saw a war he wouldn't pay for. Why not just print out this post and send it to Senator Levin, and a copy to Obama, and a copy to Secretary Gates?

Wrong country, as usual, no exit strategy, and no way to achieve the short term goals, no matter how many men we send, or how many dollars we waste. Needs to be re-thought completely. We should have a Zero-Based Afghanistan War Budget.
My Experience: Cambodia 1969, U.S. Navy JAG (Retired), consultant to NCIS on security for Naval vessels, strategic planning studies at GW resulting in an MBA with Honors (1986).

I would change places with Bill Gates...i would love to spend money for a living! LOL!
anyone that said no one is lame!!! lets try to be creative shall we?

I was wondering whether it would be possible for either Bill or Warren to be $trillionaires if they saved all of their money instead of giving it away?

So I've had this problem since forever, and its that my bedroom is always hot.
Once in a while in the winter time it will get a little too cold.
We have central air for the whole house, and the bedroom beside me even is always cold!
but for some reason, only this bedroom, is ALWAYS hot.
I put up baby gates (so the dogs won't bother me) and leave my door open. I've put a fan on while my door is open. Nothing is ever blocking the air vent. And its not just me, everyone agrees my room is like a furnace!
I mean sometimes its so hot I even asked for a window AC but that obviously ads more money to the electric bill.
My dad has even took off the cover (bar piece) of the air vent and looked down it and everything, and air comes through. But for some reason its just not cooling my room?!
If you stand outside my door with it closed and put your hand to the bottom of my door, you feel the air.
But my room is still hot!
Do you know anything I could do?
Even opening my window does nothing!
I just hate it always being hot in my room, i'm about 80% always sweating, I always have to have a fan running in my room because its so hot.
I just can't take it anymore!
Basically, do you have any advice OTHER than 'buy a fan'!

stupid bitches.

Bill Gates has about 80 Billion dollars.. If i had that much money is it possible to buy a third-world country? Like Ethiopia i bet for every 1 american dollar = 3 ethiopian dollars... if u had Bill Gates's money what would you do with it?

i know oprah and Bill Gates does anybody else know anybody?

All help is greatly appreciated. Thanks
i really couldn't care less about taxes i wanted to know people like oprah. jeez people these days

Or are there richer people that don't appear on Forbes? If so what do these people do to get their money?

How much money does Bill Gates actually have RIGHT NOW? And by right now I mean like 2009.

my friend frwd me this email, saying something about bill gates giving away some of his fortune, and to make the long story short, if you frwd that email, you get money for every person that frwds it too.... is this true????????

While my husband was deployed in 07-08, My 2 1/2 year old climbed the baby gate to the bathroom, climbed up the heater to the window seal and got an un-opened box of hair dye. She then took it to her 18 month old brothers room opened it and after smelling it gave it to my son. I heard the coughing and went back there, I screamed when I was what had happened, thank god my besstie was here we called the ambulance and went to the hospital, my baby boy was in ICU for 3 days and they were going to send my husband home from Iraq (we decided to wait till leave, son was ok keeping him there was just a precaution). Anyways my bestie kept my daughter and I stayed at the hospital till he was released. When I came home I was horrified to see that the bottle of dye had seeped through the rug INTO the floor, We have tried for a year to get it up, but its not budging. I'm e-roding in 29 days and have my inspection coming up, OMG. We have been in this apartment for 2 1/2 years and I know at 3 years they re-paint walls and redo the floors, (in other words after each family). I just wanted to know since 2 1/2 years is not 3, what are our chances of being landed with the bill to redo that floor?

We are in Germany which means we'd have to pay euro and from past people who messed the floors up who were only here a year I know each 3ft by 4ft tile cost 600 euro to replace. It's only one tile but man thats a lot of money. (890 U.S. dollars as a matter of fact).

It's still on record of what happened, do you think they may give us a sympathy release for the floor?
well there are some crayon marks on a few walls but housing deems that as "normal" damage when a child lives in the home. So I know were good there. That's all though.
"seeped through the rug INTO the floor",
the rug belonged to me, the floor does not. And Im on post. And honey I don't know what kinda communinist place you live in, but MP's come with ambulances, once the baby gate was seen, there was no investigation.

They act and treat you like they're better than you.....

but i don't get the snobbery. they're working a part or full time job at a freaking MALL, a store, making......not very good money >All they get to do is play with the clothes/cosmetics all shift/day long and that's their expertise, they're not rocket scientists....

They also don't know you just by looking at you, yet that's ALL they judge you by. if you're not all glammed up then you must be trashy and they're better than you. I never understood their snobbery.

I'm seriously about to just go up to them and tell them how it is, not that it will make a difference, but I have to get it off my chest.

It's like okay...you're not a celebrity, you're one out of thousands/millions that do the SAME thing, you're not special, and you're not somehow better than me simply because you know how to apply make up and you chose this store as your job.

I think Bill Gates is better than me, and he wouldn't treat me a tenth as bad as some of the Bloomies girls do.

They are just...disguisting> I don't know where they get their attitude from. Maybe it's just..they're trying to pretend to be someone they're not, and destroying others around them,,..or whatever.

If you ask me, they're not really portraying true class, they're portraying an immature, high-school, we're better than you just because we can pretend we're 90210, and we go by what TV says is cool, and if you don't fit the mold, you're so 9021-ovah.

LOL for real? I mean....I'm going to laugh at that stupidity, but that's precisely how it is.
And god forbid you don't know how to let's say apply a certain makeup or aren't an expert on things that they sell....then you're out of the loop or whatever.

God FORBID you don't know the designer, etc.

lol.

Can anyone please tell me what these...strange creatures are all about because I don't get them, and I'm dying to tell them off.
They are seriously so silly. they're not directing movies, being architects, doctors, lawyers, whatever. They're just congregating in little cliques in stores...acting like they're somehow associated with the store designers, celebrities, like they're now suddenly somebodies, and they treat their customers like "nobodies."

It's like....they're the biggest wannabees ever. they actually self-teach themselves and lie to themselves, thinking they've made it or they're special just because they work at a store where they sell pricier things.

I mean, I just don't...really don't get it.

I've even walked to more high end stores than Bloomies, and saw better people with better customer service. Like Barneys for instance or Bergdorf/Goodman.

Some of these people really need to get a clue.

Seriously.

It bugs the intelligent, normal guys like me out there,....who really can't tolerate the sh9t.

I was just thinking (deeply) about something. Right now, im this is tech prep program/class called IT (Networking) in high school. Im a senior, and recently i've been thinkin about my future. Everyone knows Bill Gates created microsoft, but what exactly did he use for it? Programming/coding right? Well, he made millions/billions from that, and i was wondering if i was hardcore with this networkin class, got my certifications and stuff, is there something that i could do (or anyone) to create somethin based off of networking to make alot of money? i'm not askin for any ideas, but im just wonderin with this career is there such an oppurtunity? I always wanted to revolutionize something that would make things better, kinda like how Bill gates did. What if i tried learnin other stuff too (computer animating, designing, programming, website developing, etc. etc.) Thank you for your time.
wow, thank you guys, very nice and detailed answers. And you all are right in what you're saying.
@ PropanePower- Im not sure if i love it that much, or anything that much to be honest (maybe except video games), thats a question i ask myself alot, "What is something that I would love to do everyday al day?"

@PaulhepCat- My thoughs exactly

@RobertG- In this class im in, i think regardless of what i do i'll probably be networking-intensive. Not sure if thats right for me or not, but is computer science involved in any post education? It seems so different than everything, and it seems like once u learn that, that is what branches you into whatevr path you choose, am i right or wrong?

My first one ever, about what annoys me along with worst bits of my life.
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Dona��t you just hate it when everything goes right?
When everything goes wrong, one is content and the mind is at ease.
Say you have a friend, you give him a nudge in the right direction,
Then bam you fall for him,
No one else in the world matters not even your parents,
The whole nine yards of clichA�s,
Not seeing anyone when hea��s around
But that nudge made your whole wonderous world collapse,
He has a friend with benefits,
And you just want to tie up the person who told him to shoot for the moon; yours truly.
It cana��t get better than this.

As if that isna��t enough, the rest of the world is out to aggravate you.
Dearest mother, dressing you up tightly,
Tightly, overpowering bundles of soft clouds,
With no previous experience of this,
Just several experiences of this and many more cotton wool-ing returns to come.
It cana��t get better than this.

Picture this: you in that dreaded passenger seat,
The driver is driving so slow,
On top of that crime that person leaves such a minute gap,
A gap in between the car youa��re in and the car in front,
Ita��s just only an ample gap to swing an elephant in,
As well as outrageously fit 2 cars in.
Emotionally I fill with shame and red mist when in this situation,
The person might as well have;
on the run from life sentence for insanely awful driving.
It shouldna��t even be called driving more making the way in a car.
The same person when not driving yells stop to the driver next to her,
She yells stop as she panics when people drive faster than her normal limit,
As if a sudden stop will cause less harm than driving fast.
It cana��t get better than this.

If that isna��t enough, the whole world isna��t against you all the time,
So called friends backstab each other,
I obviously see the vital point of that,
You have nothing interesting going on in your life so you create entertainment,
Entertainment thata��s genuinely going to make the others laugh out loud.
After that somewhat entertainmenta��s novelty diminishes,
Us, with no lives, indulge in gossip,
Futile gossip acquired by inane people, paparazzi,
Definition of paparazzi, theya��re lawyers except they lie candidly,
Bottom rank of society scavenging saucy scandals.
It cana��t get better than this.

a�?Oh darling we have to sell our country retreat, how ever will we survive?a��
Ita��s not as if 99.9% of the country is on benefits, just can afford a house and money to buy food.
Excessive spending really makes me see red,
In one shop they charged extra money for a shirt with sleeves rolled up,
Compared to a shirt with sleeves not rolled up,
Why people, who are intelligent fools or are mentally 5 year olds
Or even both, shop there baffle me.
It cana��t get better than this.

People who are prejudiced, who discriminate,
Judges others in general, who stereotype,
Even if the stereotypes are 100% accurate,
Nothing describes an English person better than
A fish and chip eating, tea drinking person
And a Canadian as
A maple syrup eating, French speaking, hockey playing lumberjack,
Dona��t you just want to shake all those people and
Hand them a one way ticket to Timbuktu.

Hypocrites and people who dona��t listen bother me,
The two go hand in hand when Al Gore is concerned,
One would clearly remember what one said,
Even if the person who wasna��t listening to you doesna��t,
If so Al Gore is deaf when it comes to his own words,
He talks all about climate change, reducing the effect,
Hea��s walking the walk around his mansion, imagine the bill,
That is not lavish compared to an enormous 2 two roomed bungalow,
Most of us own at least 2 mansions in our lifetime,
Al Gore is so last year and behind in times.
It cana��t get better than this.

Follow thy shepherd, for thou are lost sheep.
The worlda��s going to end soon and find faith in thy lord sooner.
The whole whim of preaching and converting others, especially me,
Has successfully failed, the inverse has happened,
Very simple and not thought provoking at all,
Even if you led a good life,
Worst thing you ever done were forgetting to feed the fishes
But you dona��t believe,
You get to go to the almighty, astounding, scorching, stylish, red place
Whereas an imprisoned serial murderer who repents and asks for forgiveness,
Get to go to the pearly white gates.
It cana��t get better than this.
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sorry it's long, thanks to those who took the time to read it

Just send in the 0bama youth and presidential protection corps and place Bill Gates under arrest and just steal the company. This way you could fund healthcare, I am sure that liberals could run it more efficiently therefore making more money, and you would only infringe on one man's rights.

to tell the truth i would yay lol

Well I've read on wikipedia that Bill Gates had 101 billion U.S dollars in the year of 1999. In year 2000 his fortune was just a half of the one the previous year. Wikipedia states that 29 billions have disappeared in philanthropical actions. Well... ok, but that doesn't cover up his losses in general. So what happened with his money? How come half of his money were gone? Anyone that knows?

I got an email like this .please help me is it true or they r promoting their bussiness.

Dear Friends,

Please do not take this for a junk letter. Bill Gates is sharing his
fortune. If you ignore this you will repent later. Microsoft and AOL
are now the largest Internet companies and in an effort to make sure
that Internet Explorer remains the most widely used program, Microsoft
and AOL are running an e-mail beta test..

When you forward this e-mail to friends, Microsoft can and will track
it (if you are a Microsoft Windows user) for a two week time period.

For every person that you forward this e-mail to, Microsoft will pay
you $245.00, for every person that you sent it to that forwards it on,
Microsoft will pay you $243.00 and for every third person that
receives it, you will be paid $241.00. Within two week! s, Microsoft
will contact you for your address and then send you a cheque.

Okay, if you found the most perfect person in your life and you knew you could never love anyone any more than that one person...but you would be miserably poor the rest of your life...would you stay?

or if you were offered all donald trump and bill gate's money put together...but you could never have any kind of love again...would you take it?
let me ask another question...

men or women...

if you were so completely, totally in love with someone and they loved you the same way back, and you still had no money...would you leave them for another person who kinda loves you and you like them because they have an outragious amount of money?

so whay i'm really asking is, would you leave your soulmate (idc if you believe in them or not...it's hypothetical) for another person because they had money and you believed you could love them...but never as much as the first person?
..............................
yeah...almost the same i guess lol...
i wasn't thinking of the jerky people who are mean and selfish...