i've been working in this place for more than two years, and this girl who used to worked there is back and was off for more than three years, the thing is that she earns more money than me and she doesn't do anything i don't think that's fare and my boss is really bitchy what can i do help!!!
...............................................................................
Do both of you have exactly the same job title?
Option #1:
Discuss the situation with your HR Manager.
Be prepared to explain in detail why you feel you should get a raise so that your pay equals the pay of the other employee.
Option #2:
Look for another job.
...............................................................................
Maybe this girl has a lot more experience than you do.
If you are unhappy with the pay rate, Human resources is the department you need to speak with. Keep in mind that not everyone is always paid at the same rate, and in this economy, a job with a slightly lower pay scale might be much better than no job.
...............................................................................
Talk to Human Resources. Ask them to re-evaluate and compare you to her on the basis of performance and seniority.
Is Pay Pal safe and what happens when someone sends you a payment?
I am trying to sell things on craigslist and someone whats to buy a Nintendo 64 and she said she paid with pay pal, i received an email with the confirmation but it the email seems like i could have been made by someone( i looks too simple and not secure enough), then i got another email saying that the money wont show up in my account till i ship the item ( i would be shipping it to Nigeria). do you think i am trying to get ripped off?
i wasn't sure if it was some person trying to hack into pay pal so i logged on pay pal and deleted my bank info.
does pay pal notify you when someone sends you a payment? and what are their steps?
...............................................................................
STOP RIGHT NOW DO NOT SHIP ANYTHING TO NIGERA
its gouing to be a scam 9999999.999% of the time
tell the seller you only deal with US customers
or tell them you had a better offer or tell them US customs wont
allow you ship that item etc
(that paypal payment is fake)
for more information google
"paypal shipping nigeria"
you will find a lot of posting tell you its a scam
i wasn't sure if it was some person trying to hack into pay pal so i logged on pay pal and deleted my bank info.
does pay pal notify you when someone sends you a payment? and what are their steps?
...............................................................................
STOP RIGHT NOW DO NOT SHIP ANYTHING TO NIGERA
its gouing to be a scam 9999999.999% of the time
tell the seller you only deal with US customers
or tell them you had a better offer or tell them US customs wont
allow you ship that item etc
(that paypal payment is fake)
for more information google
"paypal shipping nigeria"
you will find a lot of posting tell you its a scam
Is selling an item on ebay easy?
I'm confused as to how the entire process works.
...............................................................................
Yeah, they guide you through the process
...............................................................................
yes, just get an accoint then just follow the steps after you click sell. It is very straight forward
...............................................................................
Yeah, they guide you through the process
...............................................................................
yes, just get an accoint then just follow the steps after you click sell. It is very straight forward
Is the training at mcdonald's good like people say?
I am going to orientation for mcdonald's monday and I am really nervous because I have A.D.D and sometimes I need someone to tell me how to do something a few times before I actually figure it out.. I know it sounds stupid.... just wondering if you think I'll get the hang of it? how long does it usually take before you get the hang of working in fast food?
...............................................................................
It all depends on the person. Some people pick it up in no time, but some people take a couple months to catch on.
The training at McDonald's is extremely good in most locations. Your first three shifts or so are generally with a trainer who will guide you through the basics, show you the ropes, and get you started. Usually you will just be following them around and doing what they ask you to do. They will always be close by if you have any questions or need any help.
Relax! Most McDonald's restaurants have extremely friendly atmospheres, and its extremely easy to get started.
...............................................................................
It's easy!
...............................................................................
It all depends on the person. Some people pick it up in no time, but some people take a couple months to catch on.
The training at McDonald's is extremely good in most locations. Your first three shifts or so are generally with a trainer who will guide you through the basics, show you the ropes, and get you started. Usually you will just be following them around and doing what they ask you to do. They will always be close by if you have any questions or need any help.
Relax! Most McDonald's restaurants have extremely friendly atmospheres, and its extremely easy to get started.
...............................................................................
It's easy!
Is this a good plan to become an RN?
ok so I just finished high school and I want to go to a community college to become a nurse.An RN with an ***. degree you know. So in 2 years I plan to have a job and living on my own . I have no children and I'm only 18 years old I'm black and come from a low income family. After a year or two I then plan to go back to school and finish my degree and go to medical school.
Ok so I want to know how do I get experience for nursing. What is the starting salary.
...............................................................................
That sounds like a mighty fine idea. I would look into your community college’s associate degree in nursing requirements and see what you need to do in order to apply to the program. Every program is different. You might be required to take certain pre-reqs first, take a NET, or nothing at all. Get started and take what is necessary. You don’t really need any nursing experience in order to get accepted into a nursing program. Most schools don’t require it. But, if you want to get a taste for the field, apply tosome nursing homes as a caregiver, or what have you.
...............................................................................
Re: your plan to become an RN.
Yes, it is a GREAT plan!! I just completed the very thing that you want to do. I'm 20 and will be starting work as an RN later this summer (after my boards in 2-4 weeks).
Many schools DO let you complete your associate degree (ADN) in 2 years. An ADN degree is different from a bachelors of nursing (BSN) and you do not need as many classes before beginning.
However, have you applied to any ADN programs in your area? Because if you have not, it may be too late to get in this year... and you may have to wait several years because of the waiting lists for nursing programs-- ADN especially. I know that my program has a 3-4 year waiting list.
To get your foot in the door, I recommend taking your A&P, writing, nutrition (etc) classes and enrolling in a CNA program.
...............................................................................
Just wanted to say that you can be a medical doctor after you get your RN. It doesn't matter that you were an RN before. I'm sure, if anything, it would help. I know a scrub tech who went to medical school and is now a doctor. So, it's possible!
Like everyone's stated before, you'll have to check what prerequisites are needed to get into a medical school, there will be more courses necessary than for nursing school.
Good luck!
...............................................................................
First of all, your timeline is a bit off. It is a two year program to become an RN with an Assoc. degree, but there are usually pre-requisite courses you must take ahead of time which might take a year (or more). Then, almost all nursing programs are very impacted and have wait lists and get far more applicants to their programs than they can accept each year. It might take you a year or more to get accepted once you are eligible to apply.
Second, if you want to go to medical school, nursing isn't the best way to go about it. Nursing is a completely different profession and the preparation for it is very different. To get into medical school you would need more than an Assoc. degree, you need a bachelor's degree. You *could* get a bachelor's in nursing, but you'd be lacking several key requirements for entry into med school, like advanced mathmathics, physics, organic chemistry, etc., which are typically not included in nursing programs. I can understand wanting to be an RN because you will earn a good salary and support yourself to further your ambitions, but honestly there are other ways to go about it. And I've even heard that some medical schools don't look all that favorably on nurses who decide to go on to med school - they typically want the people who wanted to be doctors from the start and just went for it. They are clean slates, they haven't been indoctrinated into the nursing model of care rather than the medical model of care - they are two very different concepts.
As for your other questions, you don't need any experience to get into a nursing program. Most require that you hold a nursing assistant certificate to gain entry but that doesn't necessarily require you have work experience as a nursing assistant. Most nursing programs will not give any extra consideration to people who have health care experience.
Starting salary for RNs is anywhere from $25-$35 per hour, depending on where you live and where you work. Hospitals generally pay more than clinics or nursing homes, the two coasts and "sunshine states" usually pay more than in the midwest, etc.
...............................................................................
You could do it this way, however there is at least one year of courses to take before you can even apply to the RN program at most schools. Getting into any nursing program is highly competitive as this is a high demand career, especially for the Associates degree. If medical is your ultimate goal you're going to want to modify your prerequisites a bit. The science courses they have you take for nursing are for "non-science majors" and are much easier than what they have science majors take. They are essentially the same beginning course, however the science major version is more in depth whereas the non-science major is general knowledge.
My best advice to you is to speak with an enrollment adviser to make a feasible plan for your goal of medical school. You're going to have to take much harder courses than are required to get into nursing school. Below is some information from the University of Kansas
Pre-Medicine is a career interest, rather than a major or formal program. Developing this interest involves taking courses to build a foundation for a medical education, performing well in courses, getting health care and other kinds of experience, taking the Medical College Admission Test (MCAT), and applying for admission to medical schools. Most people complete a full bachelor's degree, including a major, before entering medical school. Although most requirements are sciences, you can choose any degree and any major.
As a minimum, most medical schools require two semesters each of English, biology, chemistry, organic chemistry, and physics:
? ENGL 101 Composition (3 credit hours)
? ENGL 102 Critical Reading & Writing (3)
? BIOL 150 Principles of Molecular & Cellular Biology (4, fall & spring)
? BIOL 152 Principles of Organismal Biology (4, spring & summer, can substitute BIOL 646 & 647)
? CHEM 184 Foundations of Chemistry I (5, must be eligible for MATH 115, offered fall & spring)
? CHEM 188 Foundations of Chemistry II (5, spring & summer)
? CHEM 624 Organic Chemistry I & 625 Lab (3 & 2, fall & spring)
? CHEM 626 Organic Chemistry II & 627 Lab (3 & 2, spring & summer)
At this time, KU’s organic sequence meets the KU School of Medicine requirement without the 2nd lab, but most students take 627 to meet requirements at other medical schools.
? PHSX 114 College Physics I (4, prerequisite MATH ACT >24 or MATH 104 Pre-Calculus)
? PHSX 115 College Physics II (4)
Some medical schools require BIOL 350 Principles of Genetics, BIOL 600 Introductory Biochemistry, MATH 115 Calculus I, and/or MATH Calculus II. Recommended science courses include BIOL 400 Microbiology, BIOL 510 Comparative Anatomy, and BIOL 646 Mammalian Physiology.
For comparison I'll show you what's required for a Bachelor of Science Nursing:
Humanities
* English composition I
* English composition II
* Humanities (history, philosophy, or advanced literature)
* Speech or communication
Social Sciences
* General Psychology
* General Sociology or Anthropology
* Child Development
Natural Sciences and Mathematics
* College Algebra
* Statistics
* General Biology with lab
* General Microbiology with lab
* General Chemistry with lab
* Anatomy with lab (a combination course in anatomy and physiology with lab will meet the requirement)
* Physiology
* Nutrition
As you can tell much more intensive, especially in math and sciences. You are going to need to speak with an adviser and make a plan. It is also important that you get GREAT grades. Medical School is highly competitive and to get in you are going to want to have nearly perfect, if not perfect, grades. You'll also probably want to do some shadowing of a doctor to see what it entails.
As for nursing, it is an excellent career choice and there is also room for advancement into near medical school within the field. There are Nurse Anesthesia, the nurse equivalent of an Anesthesiologist, as well as Family Nurse Practitioners, the equivalent of a family doctor. They make less than doctors do and have to work under a doctor, but generally have the same scope of responsibility. RN's salaries vary depending on where you are. I'd say the average is around $30/hr. You don't need any experience and you don't need your CNA unless you're going to go for an LPN, which is a one year program
Ok so I want to know how do I get experience for nursing. What is the starting salary.
...............................................................................
That sounds like a mighty fine idea. I would look into your community college’s associate degree in nursing requirements and see what you need to do in order to apply to the program. Every program is different. You might be required to take certain pre-reqs first, take a NET, or nothing at all. Get started and take what is necessary. You don’t really need any nursing experience in order to get accepted into a nursing program. Most schools don’t require it. But, if you want to get a taste for the field, apply tosome nursing homes as a caregiver, or what have you.
...............................................................................
Re: your plan to become an RN.
Yes, it is a GREAT plan!! I just completed the very thing that you want to do. I'm 20 and will be starting work as an RN later this summer (after my boards in 2-4 weeks).
Many schools DO let you complete your associate degree (ADN) in 2 years. An ADN degree is different from a bachelors of nursing (BSN) and you do not need as many classes before beginning.
However, have you applied to any ADN programs in your area? Because if you have not, it may be too late to get in this year... and you may have to wait several years because of the waiting lists for nursing programs-- ADN especially. I know that my program has a 3-4 year waiting list.
To get your foot in the door, I recommend taking your A&P, writing, nutrition (etc) classes and enrolling in a CNA program.
...............................................................................
Just wanted to say that you can be a medical doctor after you get your RN. It doesn't matter that you were an RN before. I'm sure, if anything, it would help. I know a scrub tech who went to medical school and is now a doctor. So, it's possible!
Like everyone's stated before, you'll have to check what prerequisites are needed to get into a medical school, there will be more courses necessary than for nursing school.
Good luck!
...............................................................................
First of all, your timeline is a bit off. It is a two year program to become an RN with an Assoc. degree, but there are usually pre-requisite courses you must take ahead of time which might take a year (or more). Then, almost all nursing programs are very impacted and have wait lists and get far more applicants to their programs than they can accept each year. It might take you a year or more to get accepted once you are eligible to apply.
Second, if you want to go to medical school, nursing isn't the best way to go about it. Nursing is a completely different profession and the preparation for it is very different. To get into medical school you would need more than an Assoc. degree, you need a bachelor's degree. You *could* get a bachelor's in nursing, but you'd be lacking several key requirements for entry into med school, like advanced mathmathics, physics, organic chemistry, etc., which are typically not included in nursing programs. I can understand wanting to be an RN because you will earn a good salary and support yourself to further your ambitions, but honestly there are other ways to go about it. And I've even heard that some medical schools don't look all that favorably on nurses who decide to go on to med school - they typically want the people who wanted to be doctors from the start and just went for it. They are clean slates, they haven't been indoctrinated into the nursing model of care rather than the medical model of care - they are two very different concepts.
As for your other questions, you don't need any experience to get into a nursing program. Most require that you hold a nursing assistant certificate to gain entry but that doesn't necessarily require you have work experience as a nursing assistant. Most nursing programs will not give any extra consideration to people who have health care experience.
Starting salary for RNs is anywhere from $25-$35 per hour, depending on where you live and where you work. Hospitals generally pay more than clinics or nursing homes, the two coasts and "sunshine states" usually pay more than in the midwest, etc.
...............................................................................
You could do it this way, however there is at least one year of courses to take before you can even apply to the RN program at most schools. Getting into any nursing program is highly competitive as this is a high demand career, especially for the Associates degree. If medical is your ultimate goal you're going to want to modify your prerequisites a bit. The science courses they have you take for nursing are for "non-science majors" and are much easier than what they have science majors take. They are essentially the same beginning course, however the science major version is more in depth whereas the non-science major is general knowledge.
My best advice to you is to speak with an enrollment adviser to make a feasible plan for your goal of medical school. You're going to have to take much harder courses than are required to get into nursing school. Below is some information from the University of Kansas
Pre-Medicine is a career interest, rather than a major or formal program. Developing this interest involves taking courses to build a foundation for a medical education, performing well in courses, getting health care and other kinds of experience, taking the Medical College Admission Test (MCAT), and applying for admission to medical schools. Most people complete a full bachelor's degree, including a major, before entering medical school. Although most requirements are sciences, you can choose any degree and any major.
As a minimum, most medical schools require two semesters each of English, biology, chemistry, organic chemistry, and physics:
? ENGL 101 Composition (3 credit hours)
? ENGL 102 Critical Reading & Writing (3)
? BIOL 150 Principles of Molecular & Cellular Biology (4, fall & spring)
? BIOL 152 Principles of Organismal Biology (4, spring & summer, can substitute BIOL 646 & 647)
? CHEM 184 Foundations of Chemistry I (5, must be eligible for MATH 115, offered fall & spring)
? CHEM 188 Foundations of Chemistry II (5, spring & summer)
? CHEM 624 Organic Chemistry I & 625 Lab (3 & 2, fall & spring)
? CHEM 626 Organic Chemistry II & 627 Lab (3 & 2, spring & summer)
At this time, KU’s organic sequence meets the KU School of Medicine requirement without the 2nd lab, but most students take 627 to meet requirements at other medical schools.
? PHSX 114 College Physics I (4, prerequisite MATH ACT >24 or MATH 104 Pre-Calculus)
? PHSX 115 College Physics II (4)
Some medical schools require BIOL 350 Principles of Genetics, BIOL 600 Introductory Biochemistry, MATH 115 Calculus I, and/or MATH Calculus II. Recommended science courses include BIOL 400 Microbiology, BIOL 510 Comparative Anatomy, and BIOL 646 Mammalian Physiology.
For comparison I'll show you what's required for a Bachelor of Science Nursing:
Humanities
* English composition I
* English composition II
* Humanities (history, philosophy, or advanced literature)
* Speech or communication
Social Sciences
* General Psychology
* General Sociology or Anthropology
* Child Development
Natural Sciences and Mathematics
* College Algebra
* Statistics
* General Biology with lab
* General Microbiology with lab
* General Chemistry with lab
* Anatomy with lab (a combination course in anatomy and physiology with lab will meet the requirement)
* Physiology
* Nutrition
As you can tell much more intensive, especially in math and sciences. You are going to need to speak with an adviser and make a plan. It is also important that you get GREAT grades. Medical School is highly competitive and to get in you are going to want to have nearly perfect, if not perfect, grades. You'll also probably want to do some shadowing of a doctor to see what it entails.
As for nursing, it is an excellent career choice and there is also room for advancement into near medical school within the field. There are Nurse Anesthesia, the nurse equivalent of an Anesthesiologist, as well as Family Nurse Practitioners, the equivalent of a family doctor. They make less than doctors do and have to work under a doctor, but generally have the same scope of responsibility. RN's salaries vary depending on where you are. I'd say the average is around $30/hr. You don't need any experience and you don't need your CNA unless you're going to go for an LPN, which is a one year program
Is this a scam www.consumerproductresearch.co…
I am trying to find a job that is very flexible because I am seventeen and my parents can't provide me a ride to a job and I' m only 2/3's the way to saving for a car. Ok so I am wondering if this is a job scam www.consumerproductresearch.com? I have been trying to do research on them but I came up with nothing but I'm trying to get a second opinion. Please and thank you if anyone can help me.
...............................................................................
It's a scam ,like 99% of those survey sites
...............................................................................
It's a scam ,like 99% of those survey sites
It is legal to do an at home raffle to make money?
i wanted to do a raffle thing to make money but i heard that it wasnt legal unless u got a permit
...............................................................................
Raffles and other games of chance are very strictly regulated on both a federal and local level. It would be in your best interests to call your attorney general's office and get an OPINION (they won't give you specific legal advice) BEFORE you do anything. The penalties are usually STEEP.
...............................................................................
I make some extra money taking surveys.
I found a site that doesn't try to charge you anything
or ask for a credit card. I have posted pictures of the payments I received, as proof.
http://thebestfreepaidsurveys.blogspot.c...
...............................................................................
Raffles and other games of chance are very strictly regulated on both a federal and local level. It would be in your best interests to call your attorney general's office and get an OPINION (they won't give you specific legal advice) BEFORE you do anything. The penalties are usually STEEP.
...............................................................................
I make some extra money taking surveys.
I found a site that doesn't try to charge you anything
or ask for a credit card. I have posted pictures of the payments I received, as proof.
http://thebestfreepaidsurveys.blogspot.c...
Job interview today!! - Help?
I have a job interview today and Im not sure what to expect.
Im 15 years old, applying for a job as a sales assistant at bakers delight (bakery). Its a junior position and part time.
What should I wear? What should I expect to be asked? I also have a problem. My Dads friend wrote my CV and it says certificates available on request - I dont have any!!!! Will she ask for them or not because its not a very important job!
Im worried. What will she ask me? Ive already talked to her about my hours if I get the job and then she told me to come today for an interview.
Please help me! What do you think
...............................................................................
This is not a high paid job so the interview is likely to be fairly casual. Make sure that your hair face and hands are all spotlessly clean and put on either no or very little makeup. Look her in the eye and try to relax she will know that you are nervous and will understand. Wear good casual clothes not jeans and not a T shirt. It is too late now but in future make sure that your CV is accurate just in case you are asked to produce the certificates , which anyway a person would normally bring to a job interview.
Im 15 years old, applying for a job as a sales assistant at bakers delight (bakery). Its a junior position and part time.
What should I wear? What should I expect to be asked? I also have a problem. My Dads friend wrote my CV and it says certificates available on request - I dont have any!!!! Will she ask for them or not because its not a very important job!
Im worried. What will she ask me? Ive already talked to her about my hours if I get the job and then she told me to come today for an interview.
Please help me! What do you think
...............................................................................
This is not a high paid job so the interview is likely to be fairly casual. Make sure that your hair face and hands are all spotlessly clean and put on either no or very little makeup. Look her in the eye and try to relax she will know that you are nervous and will understand. Wear good casual clothes not jeans and not a T shirt. It is too late now but in future make sure that your CV is accurate just in case you are asked to produce the certificates , which anyway a person would normally bring to a job interview.
Job Interview.....Is this appropriate to wear??????..... 10 points best answer!!!!?
http://wwwdelivery.superstock.com/WI/223...
The link above shows the kind of head wrap I am concerned about. I'm going in a job interview and would like to know if this is appropriate to wear. I'm african american and this is something that I wear on a regular basis. Ofcourse I'll dress very appropriatly for the interview, but again, I am not 100% sure how this type of head piece will be looked opon.
(BY THE WAY, THE COLOR WOULD BE BLACK.... NO THE COLOR SHOWN IN THE PICTURE).
Looking forward to your answers!!!!!!!!
...............................................................................
it most differently be appropriate it might even spike an interest in your interviewer showing that u are confident and appreciate your traditions. so go ahead wear it don't hide your identity and GOOD LUCK!!!
...............................................................................
I really don't think it would be looked upon as appropriate. At my job (most of the employees are African American women) we are not allowed to wear any type of head wraps, so I'm guess it doesn't come off as presentable. Just trying to help, good luck!
...............................................................................
Iswei's response is right on. Unfortunately, ethnic attire is not a substitution for "dress-for success" wear. On the other hand, can you disclose the name of your employer or what type of industry you are working in?
Good luck!
...............................................................................
If it's black I'm sure it will look very appropriate.
My old chemistry teacher often wore a black head wrap, and she always looked very smart.
Good luck with your interview, too.
...............................................................................
I would not wear it
You want to dress according to how the interviewer is thinking & not how you shoul;d think
...............................................................................
I think you'd look very smart.
...............................................................................
Yeah think you would look good, Very smart
The link above shows the kind of head wrap I am concerned about. I'm going in a job interview and would like to know if this is appropriate to wear. I'm african american and this is something that I wear on a regular basis. Ofcourse I'll dress very appropriatly for the interview, but again, I am not 100% sure how this type of head piece will be looked opon.
(BY THE WAY, THE COLOR WOULD BE BLACK.... NO THE COLOR SHOWN IN THE PICTURE).
Looking forward to your answers!!!!!!!!
...............................................................................
it most differently be appropriate it might even spike an interest in your interviewer showing that u are confident and appreciate your traditions. so go ahead wear it don't hide your identity and GOOD LUCK!!!
...............................................................................
I really don't think it would be looked upon as appropriate. At my job (most of the employees are African American women) we are not allowed to wear any type of head wraps, so I'm guess it doesn't come off as presentable. Just trying to help, good luck!
...............................................................................
Iswei's response is right on. Unfortunately, ethnic attire is not a substitution for "dress-for success" wear. On the other hand, can you disclose the name of your employer or what type of industry you are working in?
Good luck!
...............................................................................
If it's black I'm sure it will look very appropriate.
My old chemistry teacher often wore a black head wrap, and she always looked very smart.
Good luck with your interview, too.
...............................................................................
I would not wear it
You want to dress according to how the interviewer is thinking & not how you shoul;d think
...............................................................................
I think you'd look very smart.
...............................................................................
Yeah think you would look good, Very smart
Kansas' Policy on Minor Alcohol Possession? Please Help..Im confused?
Okay what happened last night really chafes my rear end. Im 20, but I will be 21 in two months with no driving under the influence charges or any tickets whatsoever and any crimes, misdemanors or felonies. Me and my friend was drinking beer. I only had one beer (not enough to be under the influence) and my friend had two. There was two unopened beer in the car but thats not the case. There was three of us, but the friend who's driving wasnt drinking at all. We was on the way home when my friend was stupid enough to forget the headlights on on the car during the night and we got pulled over. The cops saw empty beer cans in the car and asked us to stand aside and searched the car. The driver didnt get any ticket and he was let off with a warning; (both of my friends are over 21, but Im 20, I forgot to mention that) my friend who was drinking got a Misdemanor for opening alcoholic beverage in the car and he wasnt under the influence; I got a misdemanor for MIP (Minor in possession) and I was not even driving at all and I still have to appear in court which doesnt make any ******* sense to me. I only had one beer for god's sake and I am two months from being of the legal age. I read online that first offense for Minor in possession for alcohol beverage in Kansas is $500 fine, suspension of driving privileges for up to 30 days (I WASN'T driving at all and its not even my car which pisses me off) and 40 hours of community service and requirement to attend an educational class for alcohol consumpation which is stupid cuz I only had one freakin beer. My court isnt until June 17th. Will i actually get my license suspened over this and get charged as a misdemanor since my record is clean? Can anybody help me out with good answers, please? This is serious. Thank you.
...............................................................................
You got cited for MIP because you WERE a MIP. You drank a beer. Being 2 mos away from legal age doesn't count in the eyes of the law.
I doubt they will suspend your license, but they probably will either levy a fine or require community service since this is your first offense.
Do you have a public defender or attorney advising you?
...............................................................................
Yes you will.
It's an automatic license suspension, for someone under 21 with alcohol in any form. You don't even have to be in a car.
You could even be at a party, and if you're under 21 and caught with alcohol, your license will be suspended.
Sorry.
...............................................................................
What part of "you have to be 21" to drink and "no open container" don't you get?
"Almost 21" doesn't count, "it wasn't my car" doesn't count, "I wasn't buzzed" doesn't count. You have broken 2 laws and I think if you get off with what you described you are lucky.
...............................................................................
if UNDER THE AGE OF 21 IT IS ILLEGAL FOR YOU HAVE,TRANSPORT OR CONSUME, sorry but there is little you can do
...............................................................................
You got cited for MIP because you WERE a MIP. You drank a beer. Being 2 mos away from legal age doesn't count in the eyes of the law.
I doubt they will suspend your license, but they probably will either levy a fine or require community service since this is your first offense.
Do you have a public defender or attorney advising you?
...............................................................................
Yes you will.
It's an automatic license suspension, for someone under 21 with alcohol in any form. You don't even have to be in a car.
You could even be at a party, and if you're under 21 and caught with alcohol, your license will be suspended.
Sorry.
...............................................................................
What part of "you have to be 21" to drink and "no open container" don't you get?
"Almost 21" doesn't count, "it wasn't my car" doesn't count, "I wasn't buzzed" doesn't count. You have broken 2 laws and I think if you get off with what you described you are lucky.
...............................................................................
if UNDER THE AGE OF 21 IT IS ILLEGAL FOR YOU HAVE,TRANSPORT OR CONSUME, sorry but there is little you can do
Minimum amount of money to have in a risk free CD for Bank of America?
I recently have become very conscious about saving money. I have finally stopped withdrawing money from saving account and because of it I now have more money in my savings account than ever before. Recently I have been thinking about putting my money in a risk free CD because they gain more interest than a regular savings account. Is there a certain amount of money you have to have in order to have a risk free CD? if so what is it? I barely have a thousand dollars in my savings which I know isn't great but I'm only a college student. Also are there are any other savings options or should I just stick with my regular savings account?
p.s- I bank with Bank of America
...............................................................................
Good for you for saving!! Getting into the habit at your age will let you create good things.
If you check the Bank of America website, you'll see that both the Risk Free and High Yield CDs require a $5000 deposit. That's common. My niece banks at US Bank. They do CDs for smaller amounts and variable maturity periods. Other banks offer this, too. You'll just have to look around.
Something else to consider: I've been an Edward Jones client for almost 15 years and am very happy with their service. EJ offers lots of good options and many of their advisors will take the time to coach you.
...............................................................................
I would suggest going to a local credit union for higher interest rates and lower minimal balance requirement for any account anyway Take Care and God Bless
...............................................................................
Here are two ideas to suggest until you accumulate a little more money.
As a student, you are probably eligible to join a credit union. Many credit unions offer certificates that require only $500 or $1,000 to open.
They also usually offer no-fee low-minimum-balance Individual Retirement Accounts (IRAs) that work more like a savings account. You also have the option of IRA certificates. The benefit of an IRA savings account is that you can add small amounts to it over time. If you select a Roth IRA, you can take the contributions out at any time without paying a penalty or taxes - you just can't take the earnings.
If you have earned income from a part-time job, you are eligible to have a Roth IRA. If your income is low, you may qualify for a tax credit that can match your IRA contribution, effectively doubling your contribution. The percentage of the match is determined by your income level.
Congratulations on starting a savings plan! Good luck.
p.s- I bank with Bank of America
...............................................................................
Good for you for saving!! Getting into the habit at your age will let you create good things.
If you check the Bank of America website, you'll see that both the Risk Free and High Yield CDs require a $5000 deposit. That's common. My niece banks at US Bank. They do CDs for smaller amounts and variable maturity periods. Other banks offer this, too. You'll just have to look around.
Something else to consider: I've been an Edward Jones client for almost 15 years and am very happy with their service. EJ offers lots of good options and many of their advisors will take the time to coach you.
...............................................................................
I would suggest going to a local credit union for higher interest rates and lower minimal balance requirement for any account anyway Take Care and God Bless
...............................................................................
Here are two ideas to suggest until you accumulate a little more money.
As a student, you are probably eligible to join a credit union. Many credit unions offer certificates that require only $500 or $1,000 to open.
They also usually offer no-fee low-minimum-balance Individual Retirement Accounts (IRAs) that work more like a savings account. You also have the option of IRA certificates. The benefit of an IRA savings account is that you can add small amounts to it over time. If you select a Roth IRA, you can take the contributions out at any time without paying a penalty or taxes - you just can't take the earnings.
If you have earned income from a part-time job, you are eligible to have a Roth IRA. If your income is low, you may qualify for a tax credit that can match your IRA contribution, effectively doubling your contribution. The percentage of the match is determined by your income level.
Congratulations on starting a savings plan! Good luck.
Missing tax deadline?
I did not file my 2007 state tax. Can you guys tell me if I can possibly file my taxes and how to go about it. I know that I do not owe them but it is bothering me. I appreciate it!!
...............................................................................
Agree with rtfm...it sounds like its in your best interest to go ahead and file so you can claim a refund, if one is due to you. Not only will you get money that is owed back to you, but this will no longer be an issue that is bothering you.
You can go to www.irs.gov to download the 2007 1040 form to file. You will have to mail it in. The address for your state can be found on the IRS' website as well.
...............................................................................
If this had been your federal tax and you were entitled to a refund, you'd have less than two years to claim it (there's a three-year limit for claiming refunds). These taxes were due on April 15, 2008, so you'd only have until April 15, 2011 to claim the refund or forfeit it.
Whether the same applies to your state tax refund or not depends on the rules of your particular state. Go to their Web site and see if there's contact information there so you can call and ask.
...............................................................................
Agree with rtfm...it sounds like its in your best interest to go ahead and file so you can claim a refund, if one is due to you. Not only will you get money that is owed back to you, but this will no longer be an issue that is bothering you.
You can go to www.irs.gov to download the 2007 1040 form to file. You will have to mail it in. The address for your state can be found on the IRS' website as well.
...............................................................................
If this had been your federal tax and you were entitled to a refund, you'd have less than two years to claim it (there's a three-year limit for claiming refunds). These taxes were due on April 15, 2008, so you'd only have until April 15, 2011 to claim the refund or forfeit it.
Whether the same applies to your state tax refund or not depends on the rules of your particular state. Go to their Web site and see if there's contact information there so you can call and ask.
My Attorney Wants A Authorization Letter From Me To Contact My Mortgage Company.?
I'm speaking with my Attorney for help with my Mortgage/Loan Company. Im looking for a modification loan on my house. My Attorney requested a Authorization Letter from me so he could contact the mortgage company and about my modification request. In the letter he needs the account numbers of my loan and the address where he could send the letter. I got the address, all I need now is how to write this letter in the correct form.
...............................................................................
This is correct, your lender is legally not able to give any information to anyone to include your attorney without your authorization.
There is not particular form that you need to place this information on, simply write your social security number, loan number, address and other information about your mortgage on a letter that you authorize your attorney and his associates to obtain information about your mortgage account. You should also include the address and telephone number of the mortgage company. Then all the individuals that are on the mortgage need to sign this document.
You my do the same thing that your attorney is doing, all the lender want you to do is complete several documents and return them. This you can do without cost. Your lender will assist with the completion of the form.
Your attorney is gonna charge you even if the lender denies your modification, they are charging for their time and the completion of the paperwork they are doing on your behalf. Not the fact that they can guarantee the desired results.
I hope this has been of some use to you, good luck.
"FIGHT ON"
...............................................................................
There are companies out there that will help you get different terms on your loan so you can avoid foreclosure. One such company is www.jofe.AmericanBusinessDirec... Report Abuse
...............................................................................
Honestly, you should avoid your attorney. I have seen it many times where friends got a lawyer involved and it had the opposite wanted effect. It didn't stop foreclosure, instead it sped up the process because the lender assumed the person had enough money for a lawyer, so why not to pay for their home.
There is a good book you should consider getting called There's No Place Like Your Home, which shows you how to slow down and even stop foreclosure yourself.
The website for it is www.release-me.org and the book is cheap. I got it and it helped me avoid a lot of mistakes I would have otherwise made. I'm close to being back on my feet now and I hope you get there soon.
Hope this helps.
...............................................................................
If he didn't specify a format that just write as simple and non-confusing as possible. Simple words simple sentences. If it isn't good enough your attorney will let you know.
...............................................................................
So give it to him.
It's just your permission for him to discuss your loan with lender.
No correct form.
...............................................................................
Just write how you give him authorization to contact the bank regarding the loan mod for loan # at this address & sign it.
...............................................................................
This is correct, your lender is legally not able to give any information to anyone to include your attorney without your authorization.
There is not particular form that you need to place this information on, simply write your social security number, loan number, address and other information about your mortgage on a letter that you authorize your attorney and his associates to obtain information about your mortgage account. You should also include the address and telephone number of the mortgage company. Then all the individuals that are on the mortgage need to sign this document.
You my do the same thing that your attorney is doing, all the lender want you to do is complete several documents and return them. This you can do without cost. Your lender will assist with the completion of the form.
Your attorney is gonna charge you even if the lender denies your modification, they are charging for their time and the completion of the paperwork they are doing on your behalf. Not the fact that they can guarantee the desired results.
I hope this has been of some use to you, good luck.
"FIGHT ON"
...............................................................................
There are companies out there that will help you get different terms on your loan so you can avoid foreclosure. One such company is www.jofe.AmericanBusinessDirec... Report Abuse
...............................................................................
Honestly, you should avoid your attorney. I have seen it many times where friends got a lawyer involved and it had the opposite wanted effect. It didn't stop foreclosure, instead it sped up the process because the lender assumed the person had enough money for a lawyer, so why not to pay for their home.
There is a good book you should consider getting called There's No Place Like Your Home, which shows you how to slow down and even stop foreclosure yourself.
The website for it is www.release-me.org and the book is cheap. I got it and it helped me avoid a lot of mistakes I would have otherwise made. I'm close to being back on my feet now and I hope you get there soon.
Hope this helps.
...............................................................................
If he didn't specify a format that just write as simple and non-confusing as possible. Simple words simple sentences. If it isn't good enough your attorney will let you know.
...............................................................................
So give it to him.
It's just your permission for him to discuss your loan with lender.
No correct form.
...............................................................................
Just write how you give him authorization to contact the bank regarding the loan mod for loan # at this address & sign it.
My employers has been sent an attachment of earnings order claiming unpaid council tax in 2001?
I cannot prove I have paid or not as no receipts kept, can they still chase this as a debt owed
...............................................................................
Yes; the statute of limitations doesn't apply to Crown debts. However, you can use your Data Protection Act rights to get the council to send you all the data they have regarding your account, if you believe that you are not liable for the debt.
You should have received a summons as the order would have been made by a judge. Why didn't you attend the hearing and state your case there?
...............................................................................
You must have been contacted about this many times before , probably chose to ignore the letters .. If you cannot prove payment . either by receipts, bank cheques or card statements ,, then you are due to pay . Generally the council records are pretty good and accurate, the probability is you didnt pay it .. So just pay up .. and make sure you keep all receipts and records . I do for 10 years ,
...............................................................................
The previous answers are both correct - just as an add on - your employer has absolutely no choice in the matter but to deduct money from your wages or face prosecution themselves.
...............................................................................
Yes; the statute of limitations doesn't apply to Crown debts. However, you can use your Data Protection Act rights to get the council to send you all the data they have regarding your account, if you believe that you are not liable for the debt.
You should have received a summons as the order would have been made by a judge. Why didn't you attend the hearing and state your case there?
...............................................................................
You must have been contacted about this many times before , probably chose to ignore the letters .. If you cannot prove payment . either by receipts, bank cheques or card statements ,, then you are due to pay . Generally the council records are pretty good and accurate, the probability is you didnt pay it .. So just pay up .. and make sure you keep all receipts and records . I do for 10 years ,
...............................................................................
The previous answers are both correct - just as an add on - your employer has absolutely no choice in the matter but to deduct money from your wages or face prosecution themselves.
My mother passed away and my sister and I still live in the house. Should we put the mortgage in our names?
We are both 18 and 19. We want to build credit and we have a little bit of money but I'm afraid if we do that it will backfire and our credit will go down the drain and we won't have a house.
...............................................................................
No, your mothers estate needs to go through probate first. The odds are she had insurance which will pay off the house.
...............................................................................
In the old days, the mortgage companies tried to force you to switch the loan to your names or to pay off the loan. If you were rejected for the transfer, your only option was to sell immediately.
The laws in most states have been changed to protect you. The bank must accept your payments. So it is usually best to leave the loan untouched. Just make sure you pay on time.
If the interest rate is above 6%, go ahead and call the lender and say that you would like to refinance the house. You can have a loan in your names for apx 5%.
...............................................................................
No. First of all the will needs to be probated. If no will someone will need to petition to become administrator. As far as the house goes, the executor or administrator needs to see if the loan is assumable or if you need to refinance the home into your names. Also, that person needs to assess the financial stability of the estate. The home may have to be sold. There are many factors.
...............................................................................
if there is a mortgage which means the house is not paid for, you would have to buy the house from the estate, if it is paid for it would/should have been left to you in your moms will, sorry for your loss, I would seek the advice of an attorney
...............................................................................
No, your mothers estate needs to go through probate first. The odds are she had insurance which will pay off the house.
...............................................................................
In the old days, the mortgage companies tried to force you to switch the loan to your names or to pay off the loan. If you were rejected for the transfer, your only option was to sell immediately.
The laws in most states have been changed to protect you. The bank must accept your payments. So it is usually best to leave the loan untouched. Just make sure you pay on time.
If the interest rate is above 6%, go ahead and call the lender and say that you would like to refinance the house. You can have a loan in your names for apx 5%.
...............................................................................
No. First of all the will needs to be probated. If no will someone will need to petition to become administrator. As far as the house goes, the executor or administrator needs to see if the loan is assumable or if you need to refinance the home into your names. Also, that person needs to assess the financial stability of the estate. The home may have to be sold. There are many factors.
...............................................................................
if there is a mortgage which means the house is not paid for, you would have to buy the house from the estate, if it is paid for it would/should have been left to you in your moms will, sorry for your loss, I would seek the advice of an attorney
Not paying mortgage, how do they remain in home?
How is it that there are homeowners that are not paying their mortgage because they are struggling and don't get evicted????? I know someone that hasn't paid ther mortgage in 6 months nor did they pay their end of the year taxes last year!!! How is this possible that they remain in their house?
...............................................................................
Each and every bank has their own foreclosure time frame. Because a person has not made a payment in 3-4 months some lenders especially those that are guaranteed by the government such as FHA and VA loans might take several months before they even start the foreclosure procedure.
It has been know that some lenders have started foreclosure procedures 6-8 months after the last monthly mortgage payment was made.
It has nothing to do with the current mortgage crisis, as most lenders hire a foreclosure service to do the foreclosures as the loans are in different states and each states laws vary concerning foreclosures, therefore the lender would hire a local foreclosure firm to do the foreclosure on their behalf.
Most individuals that are behind in their mortgage payment normally do not make the insurance or county tax payment. This is not a surprise.
A bankruptcy would also prevent a lender from foreclosing on a house.
I hope this has been of some use to you, good luck.
"FIGHT ON"
...............................................................................
BEST I CAN FIGURE OUT.....HOMEOWNERS MAKE PAYMENT ARRANGEMENTS AND THEN FALL FLAT ON THAT PROMISE, TRY TO SCRAMBLE AND RE FINANCE THEIR HOME.... THAT TAKES
TIME.........
BANKS ARE NOT SO QUICK TO GET THE PEOPLE EVICTED, THE MEDIA PICKS UP ON IT QUICKLY. THE BANKS BEST ANSWER TO THE MEDIA IS THAT WE GAVE THEM EVERY OPPORTUNITY TO WORK IT OUT....
FORECLOSURE ALSO TAKES TIME TO RESOLVE THE PAPERWORK....THEY HAVE TO LEGALLY SERVE NOTICES AND PUT A JUDGMENT THROUGH COURT.
DONT WORRY, EVERY DOG HAS ITS DAY !!!!
...............................................................................
I'm sure it's due to the many other foreclosures going on that has created a backlog. It will eventually catch up.
Why does this bother you? Do you feel cheated? They are the ones losing their house. That is the real pain.
...............................................................................
There are so many that it takes close to 2 years before the banks complete the foreclosure process.
Now, banks are encouraged to help people retain their home which will slow the already slow process considerably.
...............................................................................
Banks have so many foreclosures to deal with, many people are probably slipping through the cracks...for now. I have to believe that one day it's all going to catch up to those who don't play by the rules...
...............................................................................
The new bill doesnt allow eviction so easily. They will have to go through pretty extensive court proceedings to save the home but if they arent paying sooner or later the home will be taken from them.
...............................................................................
Because it takes time to foreclose, sell the house, and then go through the legal eviction process.
...............................................................................
The banks and counties are way backed up so it's taking longer to get people out .
...............................................................................
Luck and red tape.
...............................................................................
trust me there pain is worse then yours...
...............................................................................
Each and every bank has their own foreclosure time frame. Because a person has not made a payment in 3-4 months some lenders especially those that are guaranteed by the government such as FHA and VA loans might take several months before they even start the foreclosure procedure.
It has been know that some lenders have started foreclosure procedures 6-8 months after the last monthly mortgage payment was made.
It has nothing to do with the current mortgage crisis, as most lenders hire a foreclosure service to do the foreclosures as the loans are in different states and each states laws vary concerning foreclosures, therefore the lender would hire a local foreclosure firm to do the foreclosure on their behalf.
Most individuals that are behind in their mortgage payment normally do not make the insurance or county tax payment. This is not a surprise.
A bankruptcy would also prevent a lender from foreclosing on a house.
I hope this has been of some use to you, good luck.
"FIGHT ON"
...............................................................................
BEST I CAN FIGURE OUT.....HOMEOWNERS MAKE PAYMENT ARRANGEMENTS AND THEN FALL FLAT ON THAT PROMISE, TRY TO SCRAMBLE AND RE FINANCE THEIR HOME.... THAT TAKES
TIME.........
BANKS ARE NOT SO QUICK TO GET THE PEOPLE EVICTED, THE MEDIA PICKS UP ON IT QUICKLY. THE BANKS BEST ANSWER TO THE MEDIA IS THAT WE GAVE THEM EVERY OPPORTUNITY TO WORK IT OUT....
FORECLOSURE ALSO TAKES TIME TO RESOLVE THE PAPERWORK....THEY HAVE TO LEGALLY SERVE NOTICES AND PUT A JUDGMENT THROUGH COURT.
DONT WORRY, EVERY DOG HAS ITS DAY !!!!
...............................................................................
I'm sure it's due to the many other foreclosures going on that has created a backlog. It will eventually catch up.
Why does this bother you? Do you feel cheated? They are the ones losing their house. That is the real pain.
...............................................................................
There are so many that it takes close to 2 years before the banks complete the foreclosure process.
Now, banks are encouraged to help people retain their home which will slow the already slow process considerably.
...............................................................................
Banks have so many foreclosures to deal with, many people are probably slipping through the cracks...for now. I have to believe that one day it's all going to catch up to those who don't play by the rules...
...............................................................................
The new bill doesnt allow eviction so easily. They will have to go through pretty extensive court proceedings to save the home but if they arent paying sooner or later the home will be taken from them.
...............................................................................
Because it takes time to foreclose, sell the house, and then go through the legal eviction process.
...............................................................................
The banks and counties are way backed up so it's taking longer to get people out .
...............................................................................
Luck and red tape.
...............................................................................
trust me there pain is worse then yours...
Nursing students and RNs when do you do all the documenting?
I'm starting an RN program in the fall and reading a little in the fundementals book. There is so much about charting-nursing diagnoses, care plans, nurse's notes!!!!! When do you do all this? Do you do it after each patient? at the end of the day? Thanks
...............................................................................
I do it as I have time. Fortunately my facility has electronic medical records and everything is computerized which makes everything so much easier.
When I start my shift I get report from the previous nurse, check the computer "charts" on my patients to check allergies, when meds are due, what orders for treatments, tests, or other things I need to be aware of, and read a couple of the most recent notes. If I have a 4 pt. load this takes me about 15-20 minutes total. Then I round on my pt's for the first time and do my initial assessment - I chart my assessment on the computer in the room as I do it, it only takes a minute or two to go down the columns and check things off. If I pass meds, I chart those in the room as well so that I have my MAR open in front of me.
I usually write progress notes and additions to the plan of care towards the end of the shift, unless other things warrant writing them earlier, such as needing to call a doctor for a change in patient status, new orders, etc.
It's easier if you chart as you go and try not to put it all off til the end of the shift. You'll develop your own way of doing things, you'll learn from your co-workers who orient you to your new job. You'll find what works for you and what doesn't through trial and error.
...............................................................................
Hi
Im a third year student nurse about to qualify in October. You generally fill out all the care plans and diagnoses charts as you go through your shift and done that particular care for that patient. You then make an entry into their medical records at the end of your shift about what care you have given them. You can make additional entries whenever you want, but you must make at least one entry a day.
Hope this helps
...............................................................................
I just graduated nursing school and am about to start working on a med-surg unit. As a nursing student, when I had 1-5 patients I would get report, check the charts for anyting new, get my assessments and med pass done in the 1st 2 hours. Then, usually mid-morning I would get a chance to sit down do my assessment charting. We were not expected to finish our care plan at clinicals but we were expedted to finish our nursing notes. The day before clinicals we knew what our patients disease process was and had nursing diagnosis (and drug cards) in hand the morning of clinical. You will get the hang of it. Its all a learning process that will shape you into the nurse you need to be. ; )
...............................................................................
well in my clinicals...i would get 1 patient and look after them the whole day...and when they wanted to relax i would leave the room and go do it then...i mean its an 8 hour day your patient wants some time alone ...
...............................................................................
I do it as I have time. Fortunately my facility has electronic medical records and everything is computerized which makes everything so much easier.
When I start my shift I get report from the previous nurse, check the computer "charts" on my patients to check allergies, when meds are due, what orders for treatments, tests, or other things I need to be aware of, and read a couple of the most recent notes. If I have a 4 pt. load this takes me about 15-20 minutes total. Then I round on my pt's for the first time and do my initial assessment - I chart my assessment on the computer in the room as I do it, it only takes a minute or two to go down the columns and check things off. If I pass meds, I chart those in the room as well so that I have my MAR open in front of me.
I usually write progress notes and additions to the plan of care towards the end of the shift, unless other things warrant writing them earlier, such as needing to call a doctor for a change in patient status, new orders, etc.
It's easier if you chart as you go and try not to put it all off til the end of the shift. You'll develop your own way of doing things, you'll learn from your co-workers who orient you to your new job. You'll find what works for you and what doesn't through trial and error.
...............................................................................
Hi
Im a third year student nurse about to qualify in October. You generally fill out all the care plans and diagnoses charts as you go through your shift and done that particular care for that patient. You then make an entry into their medical records at the end of your shift about what care you have given them. You can make additional entries whenever you want, but you must make at least one entry a day.
Hope this helps
...............................................................................
I just graduated nursing school and am about to start working on a med-surg unit. As a nursing student, when I had 1-5 patients I would get report, check the charts for anyting new, get my assessments and med pass done in the 1st 2 hours. Then, usually mid-morning I would get a chance to sit down do my assessment charting. We were not expected to finish our care plan at clinicals but we were expedted to finish our nursing notes. The day before clinicals we knew what our patients disease process was and had nursing diagnosis (and drug cards) in hand the morning of clinical. You will get the hang of it. Its all a learning process that will shape you into the nurse you need to be. ; )
...............................................................................
well in my clinicals...i would get 1 patient and look after them the whole day...and when they wanted to relax i would leave the room and go do it then...i mean its an 8 hour day your patient wants some time alone ...
On my job application, it's asking for a teacher/counselor reference, but ...?
The last time I went to school was back in December, but I never really spoke to any of my proefssors or counselors -- and they definitely would not remember me. What do I do?
...............................................................................
how about professional refereces? like palces you have worked before or friends of yours? maybe also you can leave it blank out in a seperate paper other references and ask the person who might interview you or read your application
...............................................................................
go back and talk to them anyway, and try to impress them during that meeting with works that u did
...............................................................................
how about professional refereces? like palces you have worked before or friends of yours? maybe also you can leave it blank out in a seperate paper other references and ask the person who might interview you or read your application
...............................................................................
go back and talk to them anyway, and try to impress them during that meeting with works that u did
On word 2007 how do you make numbering start on page 2?
This is how it's done in Word 2003. I'm hoping it's the same in Word 2007.
File -- Page Setup -- Layout -- Headers and Footers -- Different First Page
Place a check mark in the square to the left of the words "Different First Page."
Shirley George Frazier
Author and Solo Business Expert
...............................................................................
If you don't get any better answers, you can always do this by creating 2 "sections" of your document. The first section would be just the first page, and do not number it. The second section would be the rest of the document, starting on page 2. Start numbering at "1" (if that is what you want).
If you want the numbering to only show up on page 2, but you want that one numbered "2", then forget the previous paragraph and just put the page number in a header or footer, and click the box that says "First Page Different."
File -- Page Setup -- Layout -- Headers and Footers -- Different First Page
Place a check mark in the square to the left of the words "Different First Page."
Shirley George Frazier
Author and Solo Business Expert
...............................................................................
If you don't get any better answers, you can always do this by creating 2 "sections" of your document. The first section would be just the first page, and do not number it. The second section would be the rest of the document, starting on page 2. Start numbering at "1" (if that is what you want).
If you want the numbering to only show up on page 2, but you want that one numbered "2", then forget the previous paragraph and just put the page number in a header or footer, and click the box that says "First Page Different."
One of my friend is looking for apartment to rent in franklin Square.long island.ny.area.what's the best way?
one of my friend is looking for apartment to rent in franklin sqaure.long island.ny.area.what's the best way to find it?Do they have apartment complex and also have rental office where we can call them or go personally?I have heard they don't have anything like that but have to go through real estate agent.Is it true?Thank you.
...............................................................................
There are very few complexes in Franklin Square and you do NOT have to go through an agent.
Try these sites:
www.newsday.com
www.pennysaver.com
www.craigslist.com
...............................................................................
I just looked at http://apartments.cazoodle.com and I found 64 rentals in Franklin Square. Check out the link below for a more detailed list to go and look at.
...............................................................................
There are very few complexes in Franklin Square and you do NOT have to go through an agent.
Try these sites:
www.newsday.com
www.pennysaver.com
www.craigslist.com
...............................................................................
I just looked at http://apartments.cazoodle.com and I found 64 rentals in Franklin Square. Check out the link below for a more detailed list to go and look at.
Other than hard work, what are the other routes to success?
1) Creativity/ open mindedness which include the willingness to try new ways of doing things, finding out what people REALLY want not just what they say they want, and a knack or ability to find under-served markets for services or new products.
2) Interpersonal skills, which would include networking, hiring the right people, motivating people(Some people need salt, some people need sugar you better be able to figure out who needs what and quickly),writing and speaking clearly and effectively, and LISTENING well even if it's something you don't want to hear.
3) Organizational and leadership skills. Can't motivate and organize others if you can't organize yourself. Do first things first, know what to do and when to do it. Ability to ignore or overcome the temptations of procrastination or avoidance of a problem. TRAIN, MOTIVATE,DELEGATE, REPEAT, until you have a first class organization.
Add in the 4th quality, the ability and willingness to work hard and you will have a very, very successful person. However it is a RARE individual indeed who possesses ALL of the above.
PS. Notice I didn't say anything about intelligence or education. Yes it helps some, but it doesn't matter if you can't do at least some of the above. The world is full of geniuses who are also paupers, and it is full of pompous overeducated people who live in ivory towers and don't know anything about getting along with people much less motivating them or managing them. Like it or not people are people not robots or "messy" as I say. Learn to manage the people that nobody else likes to deal with. Like the diva graphics artist who does brilliant work but can't show up for work on time and complains about the working conditions or the engineer who "knows his stuff" backwards and forward but manges to constantly insult some your best customers without even realizing it! Manage these kinds of people well and you will do well indeed.
In fact if you can do 2 out of the 4 mentioned you should do well in life, 3 out of 4 and you will do great. 4 out of 4 and you will be unstoppable. One final note, I am a financial advisor who works with very wealthy people, and I am amazed at how many of them have been "lucky", if you know what I mean.
...............................................................................
It depends on what you think success means....you asked about hard work so I assume you define success as having money? Some people define success as living a life where you are happy...so I guess if you can figure out a way not to sweat the small stuff and find the good in every situation then you can be success full that way. Some people define success as raising smart, polite, healthy children. Yes that is also hard work but it's also very rewarding which in return makes you successful.
Anyway, it all just depends on how you define it.
...............................................................................
Other routes to success are patience, who you know, your ability to sell yourself and ideas to to your target audience and having an idea, product or service that people really want and need and which can be transformed into a profit-generating venture. But success first starts with self-belief and high self-esteem.
...............................................................................
Connections, working capital
...............................................................................
Persistence
...............................................................................
Cheating ;-)
...............................................................................
Getting lucky
2) Interpersonal skills, which would include networking, hiring the right people, motivating people(Some people need salt, some people need sugar you better be able to figure out who needs what and quickly),writing and speaking clearly and effectively, and LISTENING well even if it's something you don't want to hear.
3) Organizational and leadership skills. Can't motivate and organize others if you can't organize yourself. Do first things first, know what to do and when to do it. Ability to ignore or overcome the temptations of procrastination or avoidance of a problem. TRAIN, MOTIVATE,DELEGATE, REPEAT, until you have a first class organization.
Add in the 4th quality, the ability and willingness to work hard and you will have a very, very successful person. However it is a RARE individual indeed who possesses ALL of the above.
PS. Notice I didn't say anything about intelligence or education. Yes it helps some, but it doesn't matter if you can't do at least some of the above. The world is full of geniuses who are also paupers, and it is full of pompous overeducated people who live in ivory towers and don't know anything about getting along with people much less motivating them or managing them. Like it or not people are people not robots or "messy" as I say. Learn to manage the people that nobody else likes to deal with. Like the diva graphics artist who does brilliant work but can't show up for work on time and complains about the working conditions or the engineer who "knows his stuff" backwards and forward but manges to constantly insult some your best customers without even realizing it! Manage these kinds of people well and you will do well indeed.
In fact if you can do 2 out of the 4 mentioned you should do well in life, 3 out of 4 and you will do great. 4 out of 4 and you will be unstoppable. One final note, I am a financial advisor who works with very wealthy people, and I am amazed at how many of them have been "lucky", if you know what I mean.
...............................................................................
It depends on what you think success means....you asked about hard work so I assume you define success as having money? Some people define success as living a life where you are happy...so I guess if you can figure out a way not to sweat the small stuff and find the good in every situation then you can be success full that way. Some people define success as raising smart, polite, healthy children. Yes that is also hard work but it's also very rewarding which in return makes you successful.
Anyway, it all just depends on how you define it.
...............................................................................
Other routes to success are patience, who you know, your ability to sell yourself and ideas to to your target audience and having an idea, product or service that people really want and need and which can be transformed into a profit-generating venture. But success first starts with self-belief and high self-esteem.
...............................................................................
Connections, working capital
...............................................................................
Persistence
...............................................................................
Cheating ;-)
...............................................................................
Getting lucky
Our new townhome landlord?
We are moving into our new townhome next weekend. They said they want 600 deposit plus 600 for first months rent. They called and told us our credit was approved and to give them 900. We already paid deposit but the rent is 600 not 900 why do they want an additional 300?
...............................................................................
ask them for reason...
...............................................................................
I have NO freaking idea. You might get better results by asking your landlord.
...............................................................................
Do you have any pets?
Maybe they forgot what they agreed on with you.
Call them and make sure.
...............................................................................
Ask them, no one here can answer that for you
...............................................................................
ask them for reason...
...............................................................................
I have NO freaking idea. You might get better results by asking your landlord.
...............................................................................
Do you have any pets?
Maybe they forgot what they agreed on with you.
Call them and make sure.
...............................................................................
Ask them, no one here can answer that for you
P.N. Financial & Associates of Skokie IL?
*******Final Notice of Engagement******* Well, this is the first letter I have received from them. Next comes Docket #. What court, what state? They seem to be real schemers. Anyone ever here from this bunch?
...............................................................................
YEA, i got the same letter in the mail, with a wrong SSN number, some ammount due in a week or threaten with a law suit. Also they have a docket number which could be varified in the state I live in. MAny other sites have reported this company as shady. The history goes back to Dec. 2007. Reportadly, the adress appears to be a house, so it could be a home based business, but the IL bar assocition could not verify the license of the attorney.
...............................................................................
YEA, i got the same letter in the mail, with a wrong SSN number, some ammount due in a week or threaten with a law suit. Also they have a docket number which could be varified in the state I live in. MAny other sites have reported this company as shady. The history goes back to Dec. 2007. Reportadly, the adress appears to be a house, so it could be a home based business, but the IL bar assocition could not verify the license of the attorney.
Paypal question! plz help me!?
can i start a paypal account using a debit card?
...............................................................................
Hi Phoenix,
You can open a PayPal account by using your debit card.
https://www.paypal.com/in/mrb/pal=E8KPM9...
But, not from all countries you can open a PayPal account by using a Debit card. Check before opening, whether your country can be.
A basic account can be operated without credit or debit card. Alternatively you can try AlerPay for the same use.
https://www.alertpay.com/?RXz%2fYU58w53L... if you are not particular with PayPal
...............................................................................
Well, the best bet is to probably ask paypal's customer service.
Other than that, I've held paypal accounts in two countries. Both times, I just used a link to my bank account that i had set up for that purpose, since i'm kinda paranoid.
If your debit card also has a Visa or Mastercard logo on it, you should be able to use it. If not, i'm not sure that you can. Again, I'd check with paypal.
...............................................................................
rtfm is correct. I have a debit card with a VISA logo and I started an account with it, but I also have a regular VISA credit card as a back-up. (And if I remember correctly, they will need a back-up source)
...............................................................................
I think you have to use a credit card, or bank account, but they might want a credit card as a back up, so I don't know
...............................................................................
If it's the kind of debit card that has the Visa or Mastercard logo and can be used as a credit card, then yes.
...............................................................................
Hi Phoenix,
You can open a PayPal account by using your debit card.
https://www.paypal.com/in/mrb/pal=E8KPM9...
But, not from all countries you can open a PayPal account by using a Debit card. Check before opening, whether your country can be.
A basic account can be operated without credit or debit card. Alternatively you can try AlerPay for the same use.
https://www.alertpay.com/?RXz%2fYU58w53L... if you are not particular with PayPal
...............................................................................
Well, the best bet is to probably ask paypal's customer service.
Other than that, I've held paypal accounts in two countries. Both times, I just used a link to my bank account that i had set up for that purpose, since i'm kinda paranoid.
If your debit card also has a Visa or Mastercard logo on it, you should be able to use it. If not, i'm not sure that you can. Again, I'd check with paypal.
...............................................................................
rtfm is correct. I have a debit card with a VISA logo and I started an account with it, but I also have a regular VISA credit card as a back-up. (And if I remember correctly, they will need a back-up source)
...............................................................................
I think you have to use a credit card, or bank account, but they might want a credit card as a back up, so I don't know
...............................................................................
If it's the kind of debit card that has the Visa or Mastercard logo and can be used as a credit card, then yes.
Perfect letter to get my dream job?
I NEED HELP!! I am currently working in a wonderful school in a daily paid basis. this school is having a vacancy now that i can apply to work the same post but with contract. but i am terrible with writing letters! and the competition is quite fierce. Please help me by editing my letter below or give comments... please please please!
RE: Application for the post of Assistant Teacher (Full Time Permanent Contract)
I will like to apply for the above mentioned post. I am currently working as Learning Support Assistant in a casual basis in (school name). I love children very much and enjoyed working in this harmonious environment. I have gained a lot of valuable experiences and knowledge from the course “Montessori Assistant Certificate III” and from all the experienced staff that I am working with. I will continue to learn to be a better teacher by taking the course “Diploma of Children’s Services” which I believe will benefit the children that I will teach in near future. It is in this regards that I will like to work for a long term in your prestigious school.
Thank you for your valuable time and attention. I would much appreciate if I can be considered favourably.
The letter above is what i have written... tell me what do you think.. thanks a million
...............................................................................
I am writing to formally apply for the above mentioned post. Currently I am employed as a Learning Support Assistant on a contract basis at (school name). I enjoy working with children very much and feel well suited to the existing working environment. I have gained a lot of valuable experience and knowledge from the course “Montessori Assistant Certificate III” and from all the experienced staff that I currently work closely with. My aim is to improve my teaching skills by taking the course “Diploma of Children’s Services” which I believe will benefit both the children that I will teach in near future, and the school as a whole. It has been for me such an enjoyable, fulfilling and rewarding experience working at the school, and I feel I am well placed to fill this role on a permanent basis.
I would very much appreciate if you will consider my application, and view my p[previous experience in the role favourably.
That is what I think sounds pretty good.
RE: Application for the post of Assistant Teacher (Full Time Permanent Contract)
I will like to apply for the above mentioned post. I am currently working as Learning Support Assistant in a casual basis in (school name). I love children very much and enjoyed working in this harmonious environment. I have gained a lot of valuable experiences and knowledge from the course “Montessori Assistant Certificate III” and from all the experienced staff that I am working with. I will continue to learn to be a better teacher by taking the course “Diploma of Children’s Services” which I believe will benefit the children that I will teach in near future. It is in this regards that I will like to work for a long term in your prestigious school.
Thank you for your valuable time and attention. I would much appreciate if I can be considered favourably.
The letter above is what i have written... tell me what do you think.. thanks a million
...............................................................................
I am writing to formally apply for the above mentioned post. Currently I am employed as a Learning Support Assistant on a contract basis at (school name). I enjoy working with children very much and feel well suited to the existing working environment. I have gained a lot of valuable experience and knowledge from the course “Montessori Assistant Certificate III” and from all the experienced staff that I currently work closely with. My aim is to improve my teaching skills by taking the course “Diploma of Children’s Services” which I believe will benefit both the children that I will teach in near future, and the school as a whole. It has been for me such an enjoyable, fulfilling and rewarding experience working at the school, and I feel I am well placed to fill this role on a permanent basis.
I would very much appreciate if you will consider my application, and view my p[previous experience in the role favourably.
That is what I think sounds pretty good.
Please help with my job interview?
i have a job interview at a pharmacy next week and i'm not even studying pharmacy but i've worked in the health care department at boots a few times and i have no idea what they're going to ask me or what i need to know...please help ..appreciate everyone who helps me out and if i get the job based on you're advice then you've made my life well a year of it! thankyouuu
...............................................................................
What type of job within the pharmacy are you interviewing for. I will give you some information about the levels that you're probably most likely going to be interviewed for:
Administrative Assistant -- this position is to keep the pharmacy organized and to keep the general function of the pharmacy running smoothly and with upmost efficiency.
Some of the questions that they may ask for this position are:
List some of the computer programs that you have used.
What is your typing? what is your data entry like?
What type of duties would you expect to do as an admin assistant?
Pharmacy Assistant
This is the level where you check with and verify with the other health agencies such as health clinics, doctors etc., to verify the information that has been provided is correct and complete. Also you might help with filling the prescription.
Some questions that they may ask you for this position:
What do you think some of the duties within this role are?
Have you been in a similar role before?
How is your mathematics like?
Some general questiosn that they may ask are:
1) Tell me about yourself
2) What are your plans for the next 5 years
3) Tell me a time when ...
4) What do you know about our company?
5) Describe a time when you had...
...............................................................................
It's likely to be more about customer service, just relax.
Remember the customer always comes first, explain how you always try to be as helpful as you can, you always smile and try to make customers feel welcome.
You might have to explain what you would do if a customer gets angry or has a complaint, tell them that you will try your best to resolve their complaint as much as you can by yourself in a calm manner without needing to call for help, but if the customer still demands to speak to a manager and you can't help them you would refer him to the manager on duty.
If there are any questions about pharmaceuticals that you don't know the answer to, be honest and tell them you don't know but you're very keen to learn.
...............................................................................
What type of job within the pharmacy are you interviewing for. I will give you some information about the levels that you're probably most likely going to be interviewed for:
Administrative Assistant -- this position is to keep the pharmacy organized and to keep the general function of the pharmacy running smoothly and with upmost efficiency.
Some of the questions that they may ask for this position are:
List some of the computer programs that you have used.
What is your typing? what is your data entry like?
What type of duties would you expect to do as an admin assistant?
Pharmacy Assistant
This is the level where you check with and verify with the other health agencies such as health clinics, doctors etc., to verify the information that has been provided is correct and complete. Also you might help with filling the prescription.
Some questions that they may ask you for this position:
What do you think some of the duties within this role are?
Have you been in a similar role before?
How is your mathematics like?
Some general questiosn that they may ask are:
1) Tell me about yourself
2) What are your plans for the next 5 years
3) Tell me a time when ...
4) What do you know about our company?
5) Describe a time when you had...
...............................................................................
It's likely to be more about customer service, just relax.
Remember the customer always comes first, explain how you always try to be as helpful as you can, you always smile and try to make customers feel welcome.
You might have to explain what you would do if a customer gets angry or has a complaint, tell them that you will try your best to resolve their complaint as much as you can by yourself in a calm manner without needing to call for help, but if the customer still demands to speak to a manager and you can't help them you would refer him to the manager on duty.
If there are any questions about pharmaceuticals that you don't know the answer to, be honest and tell them you don't know but you're very keen to learn.
Question about home buying and gift letters?
If a relative "gifts" you an amount of money say to use for down payment and they sign the gift letter to submit to the loan company do you still have to wait 2 months in order to be able to make an offer? Or if the gift letters are submitted can you start making offers right away?
I know the banks like to check 2 months back on bank statements, pay stubs etc... So if the money sits in your account it is considered "seasoned" and then it doesn't matter. I'm just wondering how long it would take to begin making offers. Hope this question makes sense.
...............................................................................
Most lenders would be looking for 3 months seasoning of funds from gifts to the borrower. Therefore they would want bank statements or send a Verification of Funds to their bank.
In order to get your pre-approval letter you would need to have your income verified, the gift letter verified, w-2 forms for a couple of years and other things your mortgage broker would ask in order to issue you your pre-approval letter.
Once these funds have been verified then your mortgage broker or bank would issue you a pre-approval letter. After the issuance of your pre-approval letter you would then be able to select a real estate agent, find a property to purchase and make an offer on the property you find.
I hope this has been of some use to you,good luck.
"FIGHT ON"
I know the banks like to check 2 months back on bank statements, pay stubs etc... So if the money sits in your account it is considered "seasoned" and then it doesn't matter. I'm just wondering how long it would take to begin making offers. Hope this question makes sense.
...............................................................................
Most lenders would be looking for 3 months seasoning of funds from gifts to the borrower. Therefore they would want bank statements or send a Verification of Funds to their bank.
In order to get your pre-approval letter you would need to have your income verified, the gift letter verified, w-2 forms for a couple of years and other things your mortgage broker would ask in order to issue you your pre-approval letter.
Once these funds have been verified then your mortgage broker or bank would issue you a pre-approval letter. After the issuance of your pre-approval letter you would then be able to select a real estate agent, find a property to purchase and make an offer on the property you find.
I hope this has been of some use to you,good luck.
"FIGHT ON"
Questions About Public Assistance(USA) please help me, 10pts for best && quickest answer!?
Well I was put on Public Assistance && now to keep my Benefits I need to work 35 Hrs or w.e, My School Credits Count up for it but some are still needed, Now I can do WEP, Work Study Or Really get a Job, && now I have a few questions I hope you all can answer for me...
1) Is there any other way of getting out of this without working I am truly swamped with school?
2) How Do you Apply for Work Study?
3) My School is approved so my school hours are counted so I need to complete with WEP to get it to 35 because my School hours arent 35, They are giving me CARFARE, does that carfare only corresponed with WEP, or will I get it by working also. They told me I could do eiether a Job or Do Office Work At School?
4) By how much will they lower food stamps && the money we receieve if I become independent(which will exclude me from this whole endeavor)?
I am so sorry I know this is A lot but I am so confused && need help. Please help, please answer my questions, 10 pts for best and quickest answer, thank you in advance!
...............................................................................
First I would say that you need to seat down and talk to your worker if the school you are attending is an approved school then you should be ok. the other thing is that you might still be able to get the food stamps they are based on a lot of things such as rent basic family needs and income. I was in the same situation years ago. I say if you can find a job that will pay you do that and you might still be able to get the food stamps. Most of the thing they will still give you the money for transportation for a while the main things I have to say is keep going to school that is what will help you in the long run and God will take you there if you are willing. Best of luck
1) Is there any other way of getting out of this without working I am truly swamped with school?
2) How Do you Apply for Work Study?
3) My School is approved so my school hours are counted so I need to complete with WEP to get it to 35 because my School hours arent 35, They are giving me CARFARE, does that carfare only corresponed with WEP, or will I get it by working also. They told me I could do eiether a Job or Do Office Work At School?
4) By how much will they lower food stamps && the money we receieve if I become independent(which will exclude me from this whole endeavor)?
I am so sorry I know this is A lot but I am so confused && need help. Please help, please answer my questions, 10 pts for best and quickest answer, thank you in advance!
...............................................................................
First I would say that you need to seat down and talk to your worker if the school you are attending is an approved school then you should be ok. the other thing is that you might still be able to get the food stamps they are based on a lot of things such as rent basic family needs and income. I was in the same situation years ago. I say if you can find a job that will pay you do that and you might still be able to get the food stamps. Most of the thing they will still give you the money for transportation for a while the main things I have to say is keep going to school that is what will help you in the long run and God will take you there if you are willing. Best of luck
Real Estate question.?
Where in this forum can I make a question related to Real Estate and Taxes. Thanks for your advice.
...............................................................................
You found, you're @ it.
...............................................................................
I am a realtor, what can I help you with?
...............................................................................
You found, you're @ it.
...............................................................................
I am a realtor, what can I help you with?
Security job physical requirements ?
Can I get a job as a security guard ? I have a year off college and I like working nights.
I'm 5'6, 130lbs, 19 years old, shoulder length hair.
I think if I was an employer I'd never employ someone with those stats, but just wondering anyway.
Going to get an armed license hopfeully, I'm a good shot.
...............................................................................
The hair might be a problem, depending on the Guard company and who they are assigned to. You also, in most cases, will require a Guard Card
...............................................................................
it would be better if you are taller, shorter hair, well built, martial arts and fire arm knowledge....
I'm 5'6, 130lbs, 19 years old, shoulder length hair.
I think if I was an employer I'd never employ someone with those stats, but just wondering anyway.
Going to get an armed license hopfeully, I'm a good shot.
...............................................................................
The hair might be a problem, depending on the Guard company and who they are assigned to. You also, in most cases, will require a Guard Card
...............................................................................
it would be better if you are taller, shorter hair, well built, martial arts and fire arm knowledge....
Should he take the tax deferred savings out and make a financial move or leave it for another 23 years or so?
Here is a situation: "my friend" has 8900 dollars in a tax deferred savings acct for teachers called STRS, it earns a few hundred dollars per year interest (that is 4 or 5 percent i guess). It is a retirement account but he will not get any benefits whatsoever unless he works as a teacher for another 2 years in California. Teachers did not make Money magazine's list of top 50 jobs. Except college profs. So right now it is just a savings account.
He would take a hit on taxes if he pulls it out (about 30 percent on the amt deposited, plus capital gains on the interest...I think)
He also has about 13,000 in credit card debt from world travel and school - not high interest but higher than 4 or 5 percent. Oh, and student loans of about the same amount. He has an entrepreneurial mindset and knows that cash (even a small amount like this) can be good in times like this. So here are the options.
1. leave the money in the account to earn 4-5 percent for another 25 years or so.
2. Get a job as a teacher again and leave the money in the account for at least two years, he will then have a very small retirement benefit (he is 32 now)..benefit equal to twice what is deposited (total at 55 would be 30,000 roughly plus or minus interest depending on the economy)
3. Pull the money out and pay off a credit card.
4. Pull the money out put into a savings account until he can finalize a business/investment plan that will catapult him out of teaching (or bury him under debt)
He has switched careers several times and has 1-3 yrs experience in several fields relating to science research and education. Also, he tends to get really into drastic lifestyle ideas - like "The 4 Hour Work Week".
Financial advisers? Life coaches? Small Biz owners? Yoga Teachers? Help him out, please!!!
...............................................................................
pay off the credit card debt. The debt will accumulate faster than any investment will grow.
There is a book I recommend that "your friend" read. It's called "Secrets of the Millionaire Mind" by T. Harv Eker. Your friend's career switches are evidence of something in his mindset (and not the circumstances) that says he shouldn't be making a lot of money. Something buried deep in his psychology. The book teaches you how to identify and get rid of those mindsets, and reset yourself to make money. I read the book, and it has really changed the way I think.
...............................................................................
mindset has been reset. Good advice, that Eker knows his stuff. Thanks. Report Abuse
He would take a hit on taxes if he pulls it out (about 30 percent on the amt deposited, plus capital gains on the interest...I think)
He also has about 13,000 in credit card debt from world travel and school - not high interest but higher than 4 or 5 percent. Oh, and student loans of about the same amount. He has an entrepreneurial mindset and knows that cash (even a small amount like this) can be good in times like this. So here are the options.
1. leave the money in the account to earn 4-5 percent for another 25 years or so.
2. Get a job as a teacher again and leave the money in the account for at least two years, he will then have a very small retirement benefit (he is 32 now)..benefit equal to twice what is deposited (total at 55 would be 30,000 roughly plus or minus interest depending on the economy)
3. Pull the money out and pay off a credit card.
4. Pull the money out put into a savings account until he can finalize a business/investment plan that will catapult him out of teaching (or bury him under debt)
He has switched careers several times and has 1-3 yrs experience in several fields relating to science research and education. Also, he tends to get really into drastic lifestyle ideas - like "The 4 Hour Work Week".
Financial advisers? Life coaches? Small Biz owners? Yoga Teachers? Help him out, please!!!
...............................................................................
pay off the credit card debt. The debt will accumulate faster than any investment will grow.
There is a book I recommend that "your friend" read. It's called "Secrets of the Millionaire Mind" by T. Harv Eker. Your friend's career switches are evidence of something in his mindset (and not the circumstances) that says he shouldn't be making a lot of money. Something buried deep in his psychology. The book teaches you how to identify and get rid of those mindsets, and reset yourself to make money. I read the book, and it has really changed the way I think.
...............................................................................
mindset has been reset. Good advice, that Eker knows his stuff. Thanks. Report Abuse
Should I call an employer?
I have been applying for jobs some time now with no luck. I live on a mountain about 20 miles from town and watch my son while my wife goes to work. Only about once a week I go into town to pick up applications and drop them off.
Since I can't make it into town very often would it be a bad idea to call these employers and inquire about my resume? Just to let them know I'm interested though at the moment find it hard to go into town by myself, I think it would not look good going in person with my 2 year old son causing chaos in the store. I need a job and thought about calling but am not sure if it is a good idea. Any advice?
...............................................................................
A period in my Life about 25 years ago, I too have Lived a "Carbon Copy" of your Present disposition, {in the Mountains of SoCal}. I don't know what you do for a Living , but I was a "Sous Chef" at the time. Here's what I did, I conferred with my Wife about having a Baby Sitter at Least One Day a every Forth-night {2 Weeks to you Yanks}...Smile! you need too. I then took that One Day, and Hit the Valleys to the Restaurants that I'd like to Work for, Yes!, I went "In Person" and asked if I can Have an Application, some of them even Offered me a Little Corner for Privacy to Fill out the App. You have "That Day Off" to go in Person and Talk to the Manager in Charge, I know a lot of Potential Employers who would like a Premonition of the Suitable Employee at hand, I know this to be True, for I Became the "Executive Chef. Like I said I Don't Know what "Gigs" you're into, but I really don't think that Matters, as Long as you Know what you're Doing. So Maverick!, Go on Out there and Give them Hell Mate, your Ambition is High, so go on out there, and Rock "N" Roll all over "Your Space" until you're Rocking your Boy, and Rolling in Dough with your Bird.
Since I can't make it into town very often would it be a bad idea to call these employers and inquire about my resume? Just to let them know I'm interested though at the moment find it hard to go into town by myself, I think it would not look good going in person with my 2 year old son causing chaos in the store. I need a job and thought about calling but am not sure if it is a good idea. Any advice?
...............................................................................
A period in my Life about 25 years ago, I too have Lived a "Carbon Copy" of your Present disposition, {in the Mountains of SoCal}. I don't know what you do for a Living , but I was a "Sous Chef" at the time. Here's what I did, I conferred with my Wife about having a Baby Sitter at Least One Day a every Forth-night {2 Weeks to you Yanks}...Smile! you need too. I then took that One Day, and Hit the Valleys to the Restaurants that I'd like to Work for, Yes!, I went "In Person" and asked if I can Have an Application, some of them even Offered me a Little Corner for Privacy to Fill out the App. You have "That Day Off" to go in Person and Talk to the Manager in Charge, I know a lot of Potential Employers who would like a Premonition of the Suitable Employee at hand, I know this to be True, for I Became the "Executive Chef. Like I said I Don't Know what "Gigs" you're into, but I really don't think that Matters, as Long as you Know what you're Doing. So Maverick!, Go on Out there and Give them Hell Mate, your Ambition is High, so go on out there, and Rock "N" Roll all over "Your Space" until you're Rocking your Boy, and Rolling in Dough with your Bird.
Should I call the manager? To do it or not to do it?
I had a job interview Monday. He told me if he hadn't contacted me during the week, to call him by Friday. I don't want to seem desperate, even though I am. Should I wait for him to call or call him, and what do I say? He made it seem like I would surely get the job.
...............................................................................
It is nice to call up - you can always tell him that he had asked you to call you. Desperation will be noticed if you are nervous and repetitive in the calls. Just one call cannot be interpreted as one of desperation, that too when you were asked to call on Friday.
...............................................................................
yeah if he told you to call then call.
maybe he's testing you.
answer my question.
http://answers.yahoo.com/question/index;...
...............................................................................
It is nice to call up - you can always tell him that he had asked you to call you. Desperation will be noticed if you are nervous and repetitive in the calls. Just one call cannot be interpreted as one of desperation, that too when you were asked to call on Friday.
...............................................................................
yeah if he told you to call then call.
maybe he's testing you.
answer my question.
http://answers.yahoo.com/question/index;...
Should I put my (good) GPA on my resume?
This might sound like a duh question, but I've heard from some instructors that if an employer sees a high GPA on a resume it might give off the impression that I think I'm a big shot student. The job placement specialists on campus say it's not really necessary and that if someone wants it in an interview then they'll ask for it. Any one have a lot of experience in this?
...............................................................................
No. At least not right now with this economy. When applying for a job, employers look for key words that fit the position they're wanting to fill. Make that your focus, because they want to know you can do the job, not what you learned in school/college.
...............................................................................
No. At least not right now with this economy. When applying for a job, employers look for key words that fit the position they're wanting to fill. Make that your focus, because they want to know you can do the job, not what you learned in school/college.
Should I try to get the manager on phone or just forget about this job? He told me to call?
He offered me a job a few months ago and the schedule didn't workout so I didn't end up going to the orientation I was asked to attend. He told me to call him back mid-may because he might have something for me in the summer, so I called about a week ago.
I left 2 messages on his phone about a week ago. Should I try to call and get him on the phone or just leave it?
...............................................................................
If you really want the job, I'd try one more time - try to time it so you can get him personally. Be friendly to whoever answers the phone and try to make conversation and ask them about hiring and what may be the best way to contact him.
I left 2 messages on his phone about a week ago. Should I try to call and get him on the phone or just leave it?
...............................................................................
If you really want the job, I'd try one more time - try to time it so you can get him personally. Be friendly to whoever answers the phone and try to make conversation and ask them about hiring and what may be the best way to contact him.
Should she thank her lucky stars?
I live in Florida. My best friend just graduated from College last year with a BA in Criminology. She has been having the hardest time finding a job in her field and any other field for that manner. She has a child and has basically been applying for any job (walmart, cvs, Kohl's, etc) but I'm assuming that because she is "overqualified" (I don't get that, but anyway) she hasn't had any offers.
Anyway, she finally got an offer at an inbound call center as a receptionist for doctors, lawyers, financial orgs and such. She is upset that the pay is only $8.50 for part time and is considering not taking it. I told her she can always ask for full time and she can also continue to look for other work while there. What do you guys think? Should she be happy or at least grateful?
...............................................................................
Being happy or grateful does not count....being in a job always helps you get another job much easier than none at all.
Because in employment you will get the chance of meeting other people and developing a network.....someone who knows someone, is looking for a 'receptionist' or looking for a 'financial advisor' etc etc....
...............................................................................
I talk to people all the time that are in their "in between jobs". If she has no income coming in, then a little is better than nothing.
Anyway, she finally got an offer at an inbound call center as a receptionist for doctors, lawyers, financial orgs and such. She is upset that the pay is only $8.50 for part time and is considering not taking it. I told her she can always ask for full time and she can also continue to look for other work while there. What do you guys think? Should she be happy or at least grateful?
...............................................................................
Being happy or grateful does not count....being in a job always helps you get another job much easier than none at all.
Because in employment you will get the chance of meeting other people and developing a network.....someone who knows someone, is looking for a 'receptionist' or looking for a 'financial advisor' etc etc....
...............................................................................
I talk to people all the time that are in their "in between jobs". If she has no income coming in, then a little is better than nothing.
Should she thank her lucky stars?
I live in Florida. My best friend just graduated from College last year with a BA in Criminology. She has been having the hardest time finding a job in her field and any other field for that manner. She has a child and has basically been applying for any job (walmart, cvs, Kohl's, etc) but I'm assuming that because she is "overqualified" (I don't get that, but anyway) she hasn't had any offers.
Anyway, she finally got an offer at an inbound call center as a receptionist for doctors, lawyers, financial orgs and such. She is upset that the pay is only $8.50 for part time and is considering not taking it. I told her she can always ask for full time and she can also continue to look for other work while there. What do you guys think? Should she be happy or at least grateful?
...............................................................................
Does she want to flip burgers? At least take the job, she can always find another but it helps with income coming in.
Helen, EA in PA
...............................................................................
I called a halt to searching for a job when I learned that I could ма?? all of my money by using GοοgΙ?. Check out http://cirarg.shibatkd.com they can show you how to do it risk fг??.
...............................................................................
Maybe work for a while there until she finds something better... :)
Anyway, she finally got an offer at an inbound call center as a receptionist for doctors, lawyers, financial orgs and such. She is upset that the pay is only $8.50 for part time and is considering not taking it. I told her she can always ask for full time and she can also continue to look for other work while there. What do you guys think? Should she be happy or at least grateful?
...............................................................................
Does she want to flip burgers? At least take the job, she can always find another but it helps with income coming in.
Helen, EA in PA
...............................................................................
I called a halt to searching for a job when I learned that I could ма?? all of my money by using GοοgΙ?. Check out http://cirarg.shibatkd.com they can show you how to do it risk fг??.
...............................................................................
Maybe work for a while there until she finds something better... :)
Should the medical treatment for Harry Benjamin Syndrome be covered by insurance?
Harry Benjamin Syndrome:
http://shb-info.org/hbs.html
The question is if the surgical treatment of Harry Benjamin Syndrome should be covered by insurance companies?
...............................................................................
I believe so, if it is proven to be truly inborn and not a lifestyle nor a choice. It would be cheaper for society to pay for this than to pay for incarceration and mental health care for these people, and to have to pay to bury them because of bigots when surgery can be done to keep them from being targets of bigots.
This needs to be addressed and covered under medical or intersex context, and not an LGBT context.
http://shb-info.org/hbs.html
The question is if the surgical treatment of Harry Benjamin Syndrome should be covered by insurance companies?
...............................................................................
I believe so, if it is proven to be truly inborn and not a lifestyle nor a choice. It would be cheaper for society to pay for this than to pay for incarceration and mental health care for these people, and to have to pay to bury them because of bigots when surgery can be done to keep them from being targets of bigots.
This needs to be addressed and covered under medical or intersex context, and not an LGBT context.
Stock market...if everyone lost money in the recent stock market crash?
then who has the money or is it just something on paper?
...............................................................................
Stocks are issued by corporations at a certain price. They usually accrue in value and pay you dividends every so often. When you buy them you pay the going price and you have bought an interest in a corporation. So if the company doesn't do as well as in the past, the price of its stock goes down and the stock you own is now worth less because you can't sell it for what you paid for it. So what people lost as the stock market went down was the ability to sell their stocks for what they paid for them. It is a loss of value but the loss isn't real until you sell your stocks and actually lose $. That's why many people try to convince stock owners to hold onto their stocks through slumps so that when the slump is over, their stock is worth again what they paid for it or hopefully more. Think of it like buying gold, an actual asset, and years ago you might have paid $26 per ounce. So you hold onto it and hope it's price goes up. Now you want the money and it's price is $102 per ounce. So when you sell it, you have a profit. If gold had become less valuable, and was selling for $10/oz., then you would have a loss. That piece of gold is akin to your stock. It is a piece of paper that represents the value of the company and it varies. That's why the stock market is risky. You can lose but you can also win and win big. Hope that helps.
...............................................................................
On paper. You don't actually lose money until you sell stock. When you sell, it is possible that the seller made money, but that really has no bearing on people losing money now. The only people that are guaranteed to make money when selling stock are the original owners who created the Initial Public Offering. Everyone else either makes or loses money independently of everyone else.
...............................................................................
My friend became a millionare in the past 6 months.
...............................................................................
paper
...............................................................................
Stocks are issued by corporations at a certain price. They usually accrue in value and pay you dividends every so often. When you buy them you pay the going price and you have bought an interest in a corporation. So if the company doesn't do as well as in the past, the price of its stock goes down and the stock you own is now worth less because you can't sell it for what you paid for it. So what people lost as the stock market went down was the ability to sell their stocks for what they paid for them. It is a loss of value but the loss isn't real until you sell your stocks and actually lose $. That's why many people try to convince stock owners to hold onto their stocks through slumps so that when the slump is over, their stock is worth again what they paid for it or hopefully more. Think of it like buying gold, an actual asset, and years ago you might have paid $26 per ounce. So you hold onto it and hope it's price goes up. Now you want the money and it's price is $102 per ounce. So when you sell it, you have a profit. If gold had become less valuable, and was selling for $10/oz., then you would have a loss. That piece of gold is akin to your stock. It is a piece of paper that represents the value of the company and it varies. That's why the stock market is risky. You can lose but you can also win and win big. Hope that helps.
...............................................................................
On paper. You don't actually lose money until you sell stock. When you sell, it is possible that the seller made money, but that really has no bearing on people losing money now. The only people that are guaranteed to make money when selling stock are the original owners who created the Initial Public Offering. Everyone else either makes or loses money independently of everyone else.
...............................................................................
My friend became a millionare in the past 6 months.
...............................................................................
paper
TAX LIEN ON PROPERTY IN CONN.?
what is the sale potential on land if owner owes 6 months back taxes and has lien applied by local goverment???
...............................................................................
If the owner of the land does not pay the property tax for 2 years, a stranger is allowed to pay the entire amount of the back taxes. It is not a gift to the owner.
If the owner does not pay up for 3 more years, the person who paid the taxes can go to court and get the deed to the land. All mortgages are wiped out. That is why mortgage companies insist that taxes be included in most mortgage payments.
If the owner does pay up, the money is sent to the person who paid. The owner is also charged a huge penalty... 16% or more. That penalty is also sent to the person who paid the taxes.
So the stranger either gets the deed to the land or she gets her investment back plus 16%. Both are good returns on investment.
...............................................................................
Please explain what you are looking for in terms of "sale potential" - Eventually, the owner will either pay the back taxes or the municipality will auction off the property.
EDIT:
Just so you know, any property sold by auction under a tax lien is subject to a one-year right of redemption in which the original owner can pay the back taxes plus 18% and re-acquire the ownership of the property.
...............................................................................
A taxing agency can seize any property you own for back taxes if they follow proper procedures. Putting a lien on property rarely results in the taxing agency selling the property they simply will get first bit at the sales proceeds if the property is ever sold.
...............................................................................
The buyer would require the owner to pay back taxes,
In fact it is likely the LAW to do so
...............................................................................
If the owner of the land does not pay the property tax for 2 years, a stranger is allowed to pay the entire amount of the back taxes. It is not a gift to the owner.
If the owner does not pay up for 3 more years, the person who paid the taxes can go to court and get the deed to the land. All mortgages are wiped out. That is why mortgage companies insist that taxes be included in most mortgage payments.
If the owner does pay up, the money is sent to the person who paid. The owner is also charged a huge penalty... 16% or more. That penalty is also sent to the person who paid the taxes.
So the stranger either gets the deed to the land or she gets her investment back plus 16%. Both are good returns on investment.
...............................................................................
Please explain what you are looking for in terms of "sale potential" - Eventually, the owner will either pay the back taxes or the municipality will auction off the property.
EDIT:
Just so you know, any property sold by auction under a tax lien is subject to a one-year right of redemption in which the original owner can pay the back taxes plus 18% and re-acquire the ownership of the property.
...............................................................................
A taxing agency can seize any property you own for back taxes if they follow proper procedures. Putting a lien on property rarely results in the taxing agency selling the property they simply will get first bit at the sales proceeds if the property is ever sold.
...............................................................................
The buyer would require the owner to pay back taxes,
In fact it is likely the LAW to do so
The following information is available to reconcile Clark Company’s book balance of cash with its?
The following information is available to reconcile Clark Company’s book balance of cash with its?
The following information is available to reconcile Clark Company’s book balance of cash with its bank statement cash balance as of July 31, 2005:
a. After all posting is complete on July 31, the company’s Cash account has a $26,193 debit balance, but its July bank statement shows a $28,020 cash balance.
b. Check No. 3031 for $1,380 and Check No. 3040 for $552 were outstanding on the June 30 bank reconciliation. Check No. 3040 is listed with the July canceled checks, but Check No. 3031 is not. Also, Check No. 3065 for $336 and Check No. 3069 for $2,148, both written in July, are not among the canceled checks on the July 31 statement.
c. In comparing the canceled checks on the bank statement with the entries in the accounting records, it is found that Check No. 3056 for July rent was correctly written and drawn for $1,250 but was erroneously entered in the accounting records as $1,230.
d. A credit memorandum enclosed with the July bank statement indicates the bank collected $9,000 cash on a noninterest-bearing note for Clark, deducted a $45 collection fee, and credited the remainder to its account. Clark had not recorded this event before receiving the statement.
e. A debit memorandum for $805 lists a $795 NSF check plus a $10 NSF charge. The check had been received from a customer, Jim Shaw. Clark has not yet recorded this check as NSF.
f. Enclosed with the July statement is a $15 debit memorandum for bank services. It has not yet been recorded because no previous notification had been received.
g. Clark’s July 31 daily cash receipts of $10,152 were placed in the bank’s night depository on that date, but do not appear on the July 31 bank statement.
Required
1. Prepare the bank reconciliation for this company as of July 31, 2005.
2. Prepare the journal entries necessary to bring the company’s book balance of cash into conformity with the reconciled cash balance as of July 31, 2005.
Analysis Component
3. Assume that the July 31, 2005, bank reconciliation for this company is prepared and some items are treated incorrectly. For each of the following errors, explain the effect of the error on (i) the adjusted bank statement cash balance and (ii) the adjusted cash account book balance.
a. The company’s unadjusted cash account balance of $26,193 is listed on the reconciliation as
$26,139.
b. The bank’s collection of the $9,000 note less the $45 collection fee is added to the bank statement cash balance on the reconciliation.
...............................................................................
I've sent you something which I hope was useful to you.
...............................................................................
Are you serious? I charge my clients $50 an hour to do this. You think I'm going to come on here and do it for free for FUN? You can do it yourself. Just take it one line at a time.
The following information is available to reconcile Clark Company’s book balance of cash with its bank statement cash balance as of July 31, 2005:
a. After all posting is complete on July 31, the company’s Cash account has a $26,193 debit balance, but its July bank statement shows a $28,020 cash balance.
b. Check No. 3031 for $1,380 and Check No. 3040 for $552 were outstanding on the June 30 bank reconciliation. Check No. 3040 is listed with the July canceled checks, but Check No. 3031 is not. Also, Check No. 3065 for $336 and Check No. 3069 for $2,148, both written in July, are not among the canceled checks on the July 31 statement.
c. In comparing the canceled checks on the bank statement with the entries in the accounting records, it is found that Check No. 3056 for July rent was correctly written and drawn for $1,250 but was erroneously entered in the accounting records as $1,230.
d. A credit memorandum enclosed with the July bank statement indicates the bank collected $9,000 cash on a noninterest-bearing note for Clark, deducted a $45 collection fee, and credited the remainder to its account. Clark had not recorded this event before receiving the statement.
e. A debit memorandum for $805 lists a $795 NSF check plus a $10 NSF charge. The check had been received from a customer, Jim Shaw. Clark has not yet recorded this check as NSF.
f. Enclosed with the July statement is a $15 debit memorandum for bank services. It has not yet been recorded because no previous notification had been received.
g. Clark’s July 31 daily cash receipts of $10,152 were placed in the bank’s night depository on that date, but do not appear on the July 31 bank statement.
Required
1. Prepare the bank reconciliation for this company as of July 31, 2005.
2. Prepare the journal entries necessary to bring the company’s book balance of cash into conformity with the reconciled cash balance as of July 31, 2005.
Analysis Component
3. Assume that the July 31, 2005, bank reconciliation for this company is prepared and some items are treated incorrectly. For each of the following errors, explain the effect of the error on (i) the adjusted bank statement cash balance and (ii) the adjusted cash account book balance.
a. The company’s unadjusted cash account balance of $26,193 is listed on the reconciliation as
$26,139.
b. The bank’s collection of the $9,000 note less the $45 collection fee is added to the bank statement cash balance on the reconciliation.
...............................................................................
I've sent you something which I hope was useful to you.
...............................................................................
Are you serious? I charge my clients $50 an hour to do this. You think I'm going to come on here and do it for free for FUN? You can do it yourself. Just take it one line at a time.
To get into "purchasing" what degree do you need?
I know its business, but would it be business with something else??
...............................................................................
operations management would be a good "something else"
...............................................................................
operations management would be a good "something else"
Was ING a good move for me?
I currently opened an ING (orange savings account). Im just trying to make my money grow/ work for me. I have no experience in savings CD, stock all that. But I've heard that savings accounts are pretty safe, and its good when they have interest like ING. Has anyone had experience with them? Was this a smart move for me? I plan on adding money once I get some assurance that this was a good move. They have a 1.50% APY.
...............................................................................
I have ing for 7 years with no problems I also like there checking account and use there free bill pay to pay most of my bills.
...............................................................................
no. money will lose its value. so it will be better for you to have some exposure of stocks. ING has sharebuilder which is great for beginners who are interested in investing in stocks.
...............................................................................
If you're trying to save money, yes.
HSBC offers a bit higher yield.
https://www.hsbcdirect.com/1/2/1/?code=P...
...............................................................................
I have ing for 7 years with no problems I also like there checking account and use there free bill pay to pay most of my bills.
...............................................................................
no. money will lose its value. so it will be better for you to have some exposure of stocks. ING has sharebuilder which is great for beginners who are interested in investing in stocks.
...............................................................................
If you're trying to save money, yes.
HSBC offers a bit higher yield.
https://www.hsbcdirect.com/1/2/1/?code=P...
Was the computer company DELL,Inc once a penny share?
I want to know if the computer company Dell, Inc was once a penny share just as Microsoft and Apple were once?
...............................................................................
No. Dell's Initial Public Offering in 1988 was at $8.50 a share. (Then again, after adjusting for splits, that's about nine cents.)
...............................................................................
No. Dell's Initial Public Offering in 1988 was at $8.50 a share. (Then again, after adjusting for splits, that's about nine cents.)
What am I to do with my "subordinates"?
I am beginning to work as project manager in a small firm. It is so small that I "manage" everyone except the very main director, I give them tasks and terms, I monitor their progress and encourage and fine them in accordance with their successes.
This all is fine, but it seems that my style of communication is going to cause problems. You see, I almost always seem to be cheerful and playful and carefree. I smile and I joke, that's just how I talk.
So the question is: will this style of mine make my guys think that I'm really not serious, and my rules are not to be followed, and my words are not to be taken seriously?
If so, what do you think would be better and why: to wait a little until they realize that behind my smile I'm always quite serious, or to make up 2 regimes of communication - "working" and "not working", or to be always serious and severe? This last case has its drawbacks - I don't want to end up being everyone's enemy (literally everyone!), because people never work well when they work for enemy, and I do want them to work well.
Please don't tell me that I should decide it myself - I certainly will; I just want to hear what you can recommend :)
...............................................................................
I think it is a great style. I wish you were my boss. I would evaluate their personalities. If they are serious and cut throat, by all means be business. If not and they joke, I would joke. You can have a balance and happy medium.
...............................................................................
I don't see why you cannot be friendly and professional at the same time. To make sure that there is no misunderstanding, when you hand out assignment don't joke around. You can be serious without being mean.
This all is fine, but it seems that my style of communication is going to cause problems. You see, I almost always seem to be cheerful and playful and carefree. I smile and I joke, that's just how I talk.
So the question is: will this style of mine make my guys think that I'm really not serious, and my rules are not to be followed, and my words are not to be taken seriously?
If so, what do you think would be better and why: to wait a little until they realize that behind my smile I'm always quite serious, or to make up 2 regimes of communication - "working" and "not working", or to be always serious and severe? This last case has its drawbacks - I don't want to end up being everyone's enemy (literally everyone!), because people never work well when they work for enemy, and I do want them to work well.
Please don't tell me that I should decide it myself - I certainly will; I just want to hear what you can recommend :)
...............................................................................
I think it is a great style. I wish you were my boss. I would evaluate their personalities. If they are serious and cut throat, by all means be business. If not and they joke, I would joke. You can have a balance and happy medium.
...............................................................................
I don't see why you cannot be friendly and professional at the same time. To make sure that there is no misunderstanding, when you hand out assignment don't joke around. You can be serious without being mean.
What are my legal rights or options as the renter?
I have been leasing a home for nearly five years. The owners have just provided me with a written 30-40 day notice of having to vacate the property because they have decided to sell. Initially entering into the lease agreement, the lease term was for one year. After the lease term expired, I wasn't provided with a new lease agreement until after I had been in the property an additional year, and then receiving another ONE year term lease agreement the following. Although I have asked for a renewed ONE year term lease agreement several times, I had never received another since, but I have still been leasing the property until this day. Trying to work out some arrangements to ful-fill the rest of my lease term, I had been told that once a lease expires, I am automatically placed into a month to month status as long as I'm paying rent. So unbeknowing to me, I have been in a month to month rental for the last almost three years. So if there was never any verbal acknowledgment of the month to month leasing status, and no documentation to dictate such, am I obligated to adhere to the guidelines from the last provided lease, or does this all of sudden month to month rental null and voids any previous rental agreements??
...............................................................................
That is all standard. When a lease expires it automatically goes to a month to month agreement with all the same terms and conditions of the original lease. No acknowledgment of this is required. They can legally give you 30 days notice for no reason. There is not really anything you can do to fight this.
Not fair, but legal.
...............................................................................
Month to month simple renews your lease on a month to month basis.You are under the same terms as the original lease.
You cannot stop the owners from selling the property.You are making a problem where none actually exsist.
They gave you ample notice to move out.
...............................................................................
Month-to-month doesnt void any of the agreements in your lease other than the term. Since you are on a month-to-month, all he has to give you is 30 day notice to move, and vise versa.
Unfortunetly, it is his house, and he can ask you to leave if he wants.
...............................................................................
Unfortunately you do not have a signed lease, so you are considered month-to-month and your LL has every right to give you 30 days notice.
That really stinks, but it is the law.
...............................................................................
Most leases state that they renew their terms on a monthly basis after they expire, so long as a new lease is not signed.
Even if they don't explicitly say that, a lot of states will consider it there, unless the landlord has implicitly allowed changes to the terms; for example, the lease does not renew itself, and it says "NO CATS". A day after it expires, you get a cat. The landlord knows this, and does nothing to enforce it for several months. At that point, the landlord would have to re-establish the NO CATS clause by posting a 30 day notice on your door saying that cats are now explicitly not allowed.
Overall, I'd say you should abide by the terms in the old lease while you look for a new place. No sense in upsetting a landlord right before they are supposed to return your deposit.
...............................................................................
That is all standard. When a lease expires it automatically goes to a month to month agreement with all the same terms and conditions of the original lease. No acknowledgment of this is required. They can legally give you 30 days notice for no reason. There is not really anything you can do to fight this.
Not fair, but legal.
...............................................................................
Month to month simple renews your lease on a month to month basis.You are under the same terms as the original lease.
You cannot stop the owners from selling the property.You are making a problem where none actually exsist.
They gave you ample notice to move out.
...............................................................................
Month-to-month doesnt void any of the agreements in your lease other than the term. Since you are on a month-to-month, all he has to give you is 30 day notice to move, and vise versa.
Unfortunetly, it is his house, and he can ask you to leave if he wants.
...............................................................................
Unfortunately you do not have a signed lease, so you are considered month-to-month and your LL has every right to give you 30 days notice.
That really stinks, but it is the law.
...............................................................................
Most leases state that they renew their terms on a monthly basis after they expire, so long as a new lease is not signed.
Even if they don't explicitly say that, a lot of states will consider it there, unless the landlord has implicitly allowed changes to the terms; for example, the lease does not renew itself, and it says "NO CATS". A day after it expires, you get a cat. The landlord knows this, and does nothing to enforce it for several months. At that point, the landlord would have to re-establish the NO CATS clause by posting a 30 day notice on your door saying that cats are now explicitly not allowed.
Overall, I'd say you should abide by the terms in the old lease while you look for a new place. No sense in upsetting a landlord right before they are supposed to return your deposit.
What are some good online jobs? That dont scam? Plus..?
I want a good online job that dont scam you and that pays well, plus something that dont send home tons of junk mail and that sends your bills in something your parents wont be suspicious about.. im almost sixteen and need a job!! :(
-thanks for your help
...............................................................................
I make some extra money taking surveys.
I found a site that doesn't try to charge you anything
or ask for a credit card. I have posted pictures of the payments I received, as proof.
http://thebestfreepaidsurveys.blogspot.c...
-thanks for your help
...............................................................................
I make some extra money taking surveys.
I found a site that doesn't try to charge you anything
or ask for a credit card. I have posted pictures of the payments I received, as proof.
http://thebestfreepaidsurveys.blogspot.c...
What bank offers the lowest interest charges? What bank should I go with?
I can't get a student loan at this time. Desperate times call for desperate measures. I need to use a credit card loan. I don't care if it's going to ruin my credit. I can't get credit anyways. It's my last resort.
...............................................................................
If you can't get a student loan, why do you think you could get a credit card? If you can't get credit, you won't get a credit card. Even if you do, it will only be one with a very low limit - no where near enough to pay for tuition never mind a dorm.
You need to talk to the financial aid office at your university & see what's available. That's what they are there for.
Good luck.
...............................................................................
Student loans are meant to help students who are unable to bear their educational expenses. Student loans are different in different countries in the way they are devised, but then the common types of student loans available are the undergraduate loans, college student loans, private student loans and federal family educational loans.
http://www.worldbestloans.com/student-lo...
Student loan repayments are not made until the student completes his graduation. This facility helps him to concentrate on his studies and earn some little amount of money while he is studying, but repayment has to start once he finishes his education.
...............................................................................
If you can't get a student loan, why do you think you could get a credit card? If you can't get credit, you won't get a credit card. Even if you do, it will only be one with a very low limit - no where near enough to pay for tuition never mind a dorm.
You need to talk to the financial aid office at your university & see what's available. That's what they are there for.
Good luck.
...............................................................................
Student loans are meant to help students who are unable to bear their educational expenses. Student loans are different in different countries in the way they are devised, but then the common types of student loans available are the undergraduate loans, college student loans, private student loans and federal family educational loans.
http://www.worldbestloans.com/student-lo...
Student loan repayments are not made until the student completes his graduation. This facility helps him to concentrate on his studies and earn some little amount of money while he is studying, but repayment has to start once he finishes his education.
I'm still on my quest to ask a Q in every category.
lol,at this rate it will probably take me about 2 years to finish.
...............................................................................
The best insurance companies are the ones that pay claims when they are supposed to.
The A.M. Best Company, an independent rater of insurance companies, assigns a grade to the financial strengths and claims-paying abilities to insurance companies.
A.M. Best's top rates are A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent). The next ratings are B++ (Good), B+ (Good), and they go farther south from there. The A.M. Best Company has been in business since 1899.
So, to answer your question, the best insurance companies will have the highest ratings. Otherwise, steer clear.
...............................................................................
Car Insurance
I had Erie Insurance for years and they were awesome. Moved to Florida last fall and they don't service this area so now I'm with State Farm. They've been okay so far.
Life Insurance
MetLife is a good one. They also have investment plans as well.
lol,at this rate it will probably take me about 2 years to finish.
...............................................................................
The best insurance companies are the ones that pay claims when they are supposed to.
The A.M. Best Company, an independent rater of insurance companies, assigns a grade to the financial strengths and claims-paying abilities to insurance companies.
A.M. Best's top rates are A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent). The next ratings are B++ (Good), B+ (Good), and they go farther south from there. The A.M. Best Company has been in business since 1899.
So, to answer your question, the best insurance companies will have the highest ratings. Otherwise, steer clear.
...............................................................................
Car Insurance
I had Erie Insurance for years and they were awesome. Moved to Florida last fall and they don't service this area so now I'm with State Farm. They've been okay so far.
Life Insurance
MetLife is a good one. They also have investment plans as well.
Prospecting is the process of looking for people who may become clients, whether they are buying or selling. A good Realtor does it everyday, almost automatically - talking to people in line at the grocery store or waiting at the car wash. It can also mean door-knocking or cold calling, but it's much easier to just be friendly and informative whenever you meet people.
YouTube legal citation. How do you Cite YouTube?
I'm am making a movie about politics for my government class. In the movie I use various video clips from YouTube. How would you properly cite this?
I just have this written in the credits:
All video clips provided and owed by
YouTube.com
...............................................................................
I'd say at least you should give the actual URL of the video you're using.
And *does* YouTube actually own the videos they show? I don't think they do. I think the original owner still retains the copyright. You probably should give credit to them, too, by citing their screen name.
(The best way to do this, however, would be to ask your professor how you should cite the videos. You never go wrong by doing it the way the teacher asks you to!)
I just have this written in the credits:
All video clips provided and owed by
YouTube.com
...............................................................................
I'd say at least you should give the actual URL of the video you're using.
And *does* YouTube actually own the videos they show? I don't think they do. I think the original owner still retains the copyright. You probably should give credit to them, too, by citing their screen name.
(The best way to do this, however, would be to ask your professor how you should cite the videos. You never go wrong by doing it the way the teacher asks you to!)
What can i do to assure i get this part-time job that i want?
i saw an ad in a newspaper about cleaning kennels at a small animal clinic. i applied there yesterday and i really want the job! it's a big thing for me because i love animals and im committed to getting a job working around them. how can i make sure i get the job?
...............................................................................
call them... put forth the effort to show them that you are interested and ask them question to see how if they have started looking at the applications yet, who knows maybe they will look at your right away. then once you get an interview, send them a thank email.
...............................................................................
I can serve as a reference for cleaning my LAIR even though you have not. Seriously, just be confident and let them know how dedicated you are. Loving animals is a great thing to mention, however, do not oversell yourself or seem too eager. You might include other ways you can help out if you have other skills in that area. If your schooling revolves around animal care bring that up. Good luck and I hope you get it.!
DRAGON 2012
"Great fortune for U.S."
...............................................................................
call them... put forth the effort to show them that you are interested and ask them question to see how if they have started looking at the applications yet, who knows maybe they will look at your right away. then once you get an interview, send them a thank email.
...............................................................................
I can serve as a reference for cleaning my LAIR even though you have not. Seriously, just be confident and let them know how dedicated you are. Loving animals is a great thing to mention, however, do not oversell yourself or seem too eager. You might include other ways you can help out if you have other skills in that area. If your schooling revolves around animal care bring that up. Good luck and I hope you get it.!
DRAGON 2012
"Great fortune for U.S."
What career path do you think is best for me?
I like working around/ with people. I like to make them feel better, and I like to try and help them out and figure out whats wrong. I also am very interested in makeup, hair, and nails. Also am interested in interior design... I can just look at a room and "see" a design in my head, I would love to help people bring their ideas to life. I also wouldn't mind a desk job... I'm 20 (almost) and am just trying to figure out the best career path for me. I have 2 kids, a 2 year old and a 4 month old. I could try to go to school, and I know for the first 3 jobs, I would have to. I was just wondering if you guys could tell which job would fit me best, or if you know of an online quiz that could help me figure it out... How did you know what you wanted to do? Thanks a million!
...............................................................................
I was struggling with the same question a few years back and ended up taking a bunch of free career personality tests online. After you answer the questions and take a few of the tests you will find out what career best suits your personality. Amazing how accurate it is.
...............................................................................
I was struggling with the same question a few years back and ended up taking a bunch of free career personality tests online. After you answer the questions and take a few of the tests you will find out what career best suits your personality. Amazing how accurate it is.
What do I say to my daycare centre employer?
I just started working as an afternoon teacher at a nearby daycare four days ago, but I'm already having second thoughts.
I've been given a 2yr-old class and it's okay, except that I'm totally uncomfortable with changing their nappies (diapers). The sight & smell makes me want to gag every time, and I don't think I can keep it up for the rest of the summer. I had never changed nappies before this job, and I honestly thought I'd adjust to the whole concept because when I see other college students changing them, they're happy and smiling and having regular conversations, etc... But it's been 3 days and I know this is something I won't adjust to.
So, I'm thinking about talking to my supervisor and asking her if I can possibly get an older class or resign from the job altogether. My ultimate question is how do I phrase this to her without sounding petty/wussy/unaccommodating/stupid? I'm really embarrassed to bring this up in conversation and have no idea how I'm going to start. Bear in mind that I've only had the job for 4 days (today's my fourth day, I want to speak with her about it today). Keeping the job and just dealing with it is not really an option, I'm hating every weekday because of this:(
Thanks for your help, and I'm sorry if I sound like an uncooperative pain in the butt to some people...
...............................................................................
Hey, tell her the same way you just told me. I think it's more than fair. You tried, but it's just not for you. When dealing with children it's very important that the right kind of person has the job. And it doesn't mean you're a bad person if its just not what you are cut out for. It's better to be honest than to hold on to anger, disgust, and resentment. It's not like you work in a factory, you work with children who can be sensitive to your feelings. It's not only your own needs that you have to worry about, but theirs.
If your supervisor won't put you in an older class and you have to resign, it won't be the worst thing in the world. At least you'll have had some experience in something you didn't like to do with the opportunity to leave and not be fired. That's a lot more than many people can say. Just be honest, good luck.
...............................................................................
Just tell her that you've never changed diapers before and you don't think it's something that you can continue to do. She probably won't understand because I bet it doesn't bother her but she should be sympathetic and willing to move you, provided you're a good employee.
I've been given a 2yr-old class and it's okay, except that I'm totally uncomfortable with changing their nappies (diapers). The sight & smell makes me want to gag every time, and I don't think I can keep it up for the rest of the summer. I had never changed nappies before this job, and I honestly thought I'd adjust to the whole concept because when I see other college students changing them, they're happy and smiling and having regular conversations, etc... But it's been 3 days and I know this is something I won't adjust to.
So, I'm thinking about talking to my supervisor and asking her if I can possibly get an older class or resign from the job altogether. My ultimate question is how do I phrase this to her without sounding petty/wussy/unaccommodating/stupid? I'm really embarrassed to bring this up in conversation and have no idea how I'm going to start. Bear in mind that I've only had the job for 4 days (today's my fourth day, I want to speak with her about it today). Keeping the job and just dealing with it is not really an option, I'm hating every weekday because of this:(
Thanks for your help, and I'm sorry if I sound like an uncooperative pain in the butt to some people...
...............................................................................
Hey, tell her the same way you just told me. I think it's more than fair. You tried, but it's just not for you. When dealing with children it's very important that the right kind of person has the job. And it doesn't mean you're a bad person if its just not what you are cut out for. It's better to be honest than to hold on to anger, disgust, and resentment. It's not like you work in a factory, you work with children who can be sensitive to your feelings. It's not only your own needs that you have to worry about, but theirs.
If your supervisor won't put you in an older class and you have to resign, it won't be the worst thing in the world. At least you'll have had some experience in something you didn't like to do with the opportunity to leave and not be fired. That's a lot more than many people can say. Just be honest, good luck.
...............................................................................
Just tell her that you've never changed diapers before and you don't think it's something that you can continue to do. She probably won't understand because I bet it doesn't bother her but she should be sympathetic and willing to move you, provided you're a good employee.
What happens if I just dont pay?
I have a credit card and they have sent it to collections bc i am over my limit (by $4) bc of they raised my fianace interest rate from about 9% to 27% in one month. So If I dont pay, let it sit in collections what can they do? I live in OH I dont know what the law is for garnishment? Can they make me go to court? I know it will go on my credit report but im not worried about that at this point.
...............................................................................
They send the men in the black SUVs, black sunglasses and business suits over to your house with lead pipes. They will come and beat that $4 out of you. One bone broken per dollar.
Actually, they probably won't.
...............................................................................
Awfully cavalier about screwing up your credit. If it's only $4, why not pay it? And if the terms of the card are such as sticking point, close it.
They'll report your default and try to claim that money. Once that proves unsuccessful, they'll sell the debt to a collection agency who will proceed to hound you. They will try a lot harder than the orignal creditor to recoup that money.
Aside from all that, you'll get a derogatory mark on your credit and pay higher interest on other credit cards, loans, and mortgage. That's if you don't get declined in the first place. This negative will last at least 7 years.
...............................................................................
Lenders do not send credit card accounts to collections because you are "$4 over your limit." They send them because you defaulted on your payments.
...............................................................................
Don't let it go to collections!!
The best thing you can do is pay it off and close the account.
https://www.lendingclub.com//invite/resp...
...............................................................................
They can sue you. You will probably not be physically dragged to court, but if you are sued and do not get to court, then you will lose the lawsuit by default.
...............................................................................
They send the men in the black SUVs, black sunglasses and business suits over to your house with lead pipes. They will come and beat that $4 out of you. One bone broken per dollar.
Actually, they probably won't.
...............................................................................
Awfully cavalier about screwing up your credit. If it's only $4, why not pay it? And if the terms of the card are such as sticking point, close it.
They'll report your default and try to claim that money. Once that proves unsuccessful, they'll sell the debt to a collection agency who will proceed to hound you. They will try a lot harder than the orignal creditor to recoup that money.
Aside from all that, you'll get a derogatory mark on your credit and pay higher interest on other credit cards, loans, and mortgage. That's if you don't get declined in the first place. This negative will last at least 7 years.
...............................................................................
Lenders do not send credit card accounts to collections because you are "$4 over your limit." They send them because you defaulted on your payments.
...............................................................................
Don't let it go to collections!!
The best thing you can do is pay it off and close the account.
https://www.lendingclub.com//invite/resp...
...............................................................................
They can sue you. You will probably not be physically dragged to court, but if you are sued and do not get to court, then you will lose the lawsuit by default.
What happens when they foreclose?
We are two payments behind on our house. We had to rent an apartment because my husband will be unemployed soon.We had put the house for sale last year, no offers. We tried to refinance but our house was appraised 22,000 less than what the finance company appraised it for 2.5 years ago. The finance company would not lower our rate, to what we could afford. We had to move before unemployment happens. I now cannot afford my car which is financed through same company. What will happen when they foreclose? We live paycheck to paycheck. Have no assets. Can we file bankruptcy?
...............................................................................
You can call a lawyer and see if they can negotiate on your behalf before the mortgage company forecloses.Lawyers have more power negotiating than you do.
Banks generally want to see you in the house vs. having a house they cant get rid of. I would definitely suggest you talking to a bankruptsy attorney. Bankruptsy, if you havent filed within 7 years before, is definitely made for people in your situation. You can even negotiate to keep certain items, like the car, if you can afford to pay for it after you loose the house. It will go against your credit, but it will take a lot of burden off of you all.
Or, you can try renting out your house... that might solve things for a while?
Good luck... my prayers are with you.
...............................................................................
My recommendation would be simple move back in because it will take like 6-9 months if not more for the bank to make you move. I would move in not pay any rent save some money for when your unemployed and that way when you get booted out from your home you at least have some money saved up to rent.
...............................................................................
you lose your home and have to move out. .as far as bankruptcy is concerned call a Lawyer and ask them.you don't need a special Lawyer to do this any Lawyer can file bankruptcy for you.
...............................................................................
I don't know what they do when they foreclose, but I'm pretty sure you ain't gonna like it.
...............................................................................
You can call a lawyer and see if they can negotiate on your behalf before the mortgage company forecloses.Lawyers have more power negotiating than you do.
Banks generally want to see you in the house vs. having a house they cant get rid of. I would definitely suggest you talking to a bankruptsy attorney. Bankruptsy, if you havent filed within 7 years before, is definitely made for people in your situation. You can even negotiate to keep certain items, like the car, if you can afford to pay for it after you loose the house. It will go against your credit, but it will take a lot of burden off of you all.
Or, you can try renting out your house... that might solve things for a while?
Good luck... my prayers are with you.
...............................................................................
My recommendation would be simple move back in because it will take like 6-9 months if not more for the bank to make you move. I would move in not pay any rent save some money for when your unemployed and that way when you get booted out from your home you at least have some money saved up to rent.
...............................................................................
you lose your home and have to move out. .as far as bankruptcy is concerned call a Lawyer and ask them.you don't need a special Lawyer to do this any Lawyer can file bankruptcy for you.
...............................................................................
I don't know what they do when they foreclose, but I'm pretty sure you ain't gonna like it.
What is a trump card?
http://www.bartleby.com/59/4/trumpcard.h...
http://www.thefreedictionary.com/trump+c...
http://www.thefreedictionary.com/trump+c...
What is goldtone is it real gold i have not heard of it.?
I have ordered some cuff links and it mentioned goldtone.
...............................................................................
it probably is real gold. B ut it is the thinnest type of real gold. There are various ways that jewellerey is made with gold. In descendin order of value (of the gold content) it would be solid pure gold (24kt) This would be too soft for jewellery. Then solid 22kt gold which is alloyed or mixed with something like copper, then 18kt and 9kt. Then you would get rolled gold, which is a thin layer of gold rolled onto a cheap base metal and then electro-plated gold layer (even thinner) then, I suppose Goldtone. It is difficult to say exactly what it is. It may be a trade name or just a common name for something that has a gold sheen or tint. Whatever it is it is of very little value and probably will wear off with time. All gold colour contains some "real" gold, even gold paint or gold ink. If you buy gold paint you will find it is a lot more expensive than say red paint!
...............................................................................
Gold paint or tinting done to the metal. NOT real gold.
...............................................................................
it probably is real gold. B ut it is the thinnest type of real gold. There are various ways that jewellerey is made with gold. In descendin order of value (of the gold content) it would be solid pure gold (24kt) This would be too soft for jewellery. Then solid 22kt gold which is alloyed or mixed with something like copper, then 18kt and 9kt. Then you would get rolled gold, which is a thin layer of gold rolled onto a cheap base metal and then electro-plated gold layer (even thinner) then, I suppose Goldtone. It is difficult to say exactly what it is. It may be a trade name or just a common name for something that has a gold sheen or tint. Whatever it is it is of very little value and probably will wear off with time. All gold colour contains some "real" gold, even gold paint or gold ink. If you buy gold paint you will find it is a lot more expensive than say red paint!
...............................................................................
Gold paint or tinting done to the metal. NOT real gold.
What is the cheapest property you can buy?
I have around ￡23K saved up and earn a salary of ￡15K. There is a good chance I will be forced to leave my parents house soon and was wondering what I should do. I'm still single so will probably be moving out on my own. I'm not looking to rent as it would be money wasted. I have come from a very humble background so will live anywhere. Thanks
...............................................................................
A salary of ￡15k means you can probably get a mortgage for ￡45k at the moment ... and you have ￡23k saved but you need to set some aside for legal costs, furniture, etc, so realistically a deposit of ￡20k.
So you're looking at ￡65k in total. Well, it very much depends on where you live. That amount may buy you a small terraced property if you were in Wales or rural parts of Scotland, which are the cheapest areas of the UK. I don't believe that there is anywhere in England that you'd get a property for that value.
You could look into shared ownership properties through Housing Associations, where you buy a share of the property and then pay rent on the remaining half. However, the problem is that most HAs, when determining eligibility, only look at your income and not at your savings (since the scheme was initially designed for people who were unable to save a deposit). I know in London, you would have very little chance of getting even a one-bed flat on an income of under ￡22k. Obviously the requirement would be lower in other parts of the country, but I'm still not sure that ￡15k would enable you to qualify anywhere.
The problem you face is, you have a good deposit saved up but you only earn a low income. If you're young and therefore in an entry-level job meaning that it's likely that your income will increase in the near future, you are best to rent for now until you can get yourself an income of at least more than ￡20k, at which time you could look at purchasing something.
...............................................................................
Your salary is probably too low to secure a mortgage in most areas of the UK. There are bargains to be had in the north of the country and you could try looking on www.rightmove.co.uk and pricing houses up.
Another alternative would be invest your savings and secure yourself a good return. My company invests in property in the US and resells it after completing repairs. Perhaps this is an option for you but it will depend on how quickly you want to move.
...............................................................................
You can move to my area-- homes in Detroit are going for as little as $1000 US..
that said they typically need a lot of work . and work is hard to come by here.. s
...............................................................................
Talk to your local housing association to see if you qualify for a shared ownership flat. Explain your full circumstances and why you are being forced to leave your parents house - if it is because of a marriage breakdown for instance this can help. As always what you will be able to get for your money will depend on where you live. Outside London you will get more for you money and outside the London commuter belt more again with the northand Wales being cheapest.
With ￡ 23k you could buy a 30 % share in a property with a full market value of ￡ 76,600. Or on ￡ 15k a year you could top that up with a mortgage of ￡ 45,000 (3 x salary) and buy a property with a full market value of ￡ 121,600 or anything in between - you will probably feel more comforatable with a smaller mortgage.
With a shared ownership property you buy a share from 30 % upwards in the property with a lease, typically 99 years with a provision to extend, and in effect become an owner occupier with a high level of security of tenure because the owner of the balance is a housing association which is a charitable body set up to promote low cost home ownership and are likely to be more understanding of arrears than a building society. The lease gives you security of tenure for its full term.
As an owner occupier you can make alterations and improvements within reason with the approval of the housing association - something you cannot do with a rental property.
Also as an owner occupier you bear full responsibility for maintenance and repair but it is under your direct control and if you choose not to do it within reason it is unlikely anyone will complain. You can also do it yourself or get it done cheaply (think of all those Polish builders). Ultimatly obviously there will be maintenance clauses in the lease which are enforceable. You will also have to pay a service charge for maintenance of common parts, buildings insurance etc but this is likely to be considerably lower than for a privately owned flat.
Since you own the 30 % you can also sell it in future and therefore benefit from the long term trend of house prices to increase. This may seem like a sick joke at the moment but over the longer term house prices in the UK, and particularly London, have increased strongly probably doubling in the last 15 years. This is due to the pressure of a rising population with a high level of immigration into the UK from Eastern Europe and elsewhere and a rising trend in divorce etc hitting up against a virtually fixed supply of housing.
The key point on cost is that the rental you pay on the 30 % you do not buy is at a heavily subsidised level of around 2.75 % compared to likely mortgage costs of at least 6 % once interest rates recover to more normal levels. The rental does increase as you say at a rate linked to the retail price index. Generally there is a discounted rent for the first 2 years which is at only around 1 % or less.
The other advantage is flexibility - you should be able to afford a property with a higher market value now by buying a shared ownership property at 30 % and then buy the rest in future when you can afford it. But you can just stick at 30 % and have a cheaper property in the long run until your death or 99 tears whichever comes first! Seriously though there will be provisions in the lease to extend its term which it would make sense to do once it gets down to around 70 to 80 years.
...............................................................................
A salary of ￡15k means you can probably get a mortgage for ￡45k at the moment ... and you have ￡23k saved but you need to set some aside for legal costs, furniture, etc, so realistically a deposit of ￡20k.
So you're looking at ￡65k in total. Well, it very much depends on where you live. That amount may buy you a small terraced property if you were in Wales or rural parts of Scotland, which are the cheapest areas of the UK. I don't believe that there is anywhere in England that you'd get a property for that value.
You could look into shared ownership properties through Housing Associations, where you buy a share of the property and then pay rent on the remaining half. However, the problem is that most HAs, when determining eligibility, only look at your income and not at your savings (since the scheme was initially designed for people who were unable to save a deposit). I know in London, you would have very little chance of getting even a one-bed flat on an income of under ￡22k. Obviously the requirement would be lower in other parts of the country, but I'm still not sure that ￡15k would enable you to qualify anywhere.
The problem you face is, you have a good deposit saved up but you only earn a low income. If you're young and therefore in an entry-level job meaning that it's likely that your income will increase in the near future, you are best to rent for now until you can get yourself an income of at least more than ￡20k, at which time you could look at purchasing something.
...............................................................................
Your salary is probably too low to secure a mortgage in most areas of the UK. There are bargains to be had in the north of the country and you could try looking on www.rightmove.co.uk and pricing houses up.
Another alternative would be invest your savings and secure yourself a good return. My company invests in property in the US and resells it after completing repairs. Perhaps this is an option for you but it will depend on how quickly you want to move.
...............................................................................
You can move to my area-- homes in Detroit are going for as little as $1000 US..
that said they typically need a lot of work . and work is hard to come by here.. s
...............................................................................
Talk to your local housing association to see if you qualify for a shared ownership flat. Explain your full circumstances and why you are being forced to leave your parents house - if it is because of a marriage breakdown for instance this can help. As always what you will be able to get for your money will depend on where you live. Outside London you will get more for you money and outside the London commuter belt more again with the northand Wales being cheapest.
With ￡ 23k you could buy a 30 % share in a property with a full market value of ￡ 76,600. Or on ￡ 15k a year you could top that up with a mortgage of ￡ 45,000 (3 x salary) and buy a property with a full market value of ￡ 121,600 or anything in between - you will probably feel more comforatable with a smaller mortgage.
With a shared ownership property you buy a share from 30 % upwards in the property with a lease, typically 99 years with a provision to extend, and in effect become an owner occupier with a high level of security of tenure because the owner of the balance is a housing association which is a charitable body set up to promote low cost home ownership and are likely to be more understanding of arrears than a building society. The lease gives you security of tenure for its full term.
As an owner occupier you can make alterations and improvements within reason with the approval of the housing association - something you cannot do with a rental property.
Also as an owner occupier you bear full responsibility for maintenance and repair but it is under your direct control and if you choose not to do it within reason it is unlikely anyone will complain. You can also do it yourself or get it done cheaply (think of all those Polish builders). Ultimatly obviously there will be maintenance clauses in the lease which are enforceable. You will also have to pay a service charge for maintenance of common parts, buildings insurance etc but this is likely to be considerably lower than for a privately owned flat.
Since you own the 30 % you can also sell it in future and therefore benefit from the long term trend of house prices to increase. This may seem like a sick joke at the moment but over the longer term house prices in the UK, and particularly London, have increased strongly probably doubling in the last 15 years. This is due to the pressure of a rising population with a high level of immigration into the UK from Eastern Europe and elsewhere and a rising trend in divorce etc hitting up against a virtually fixed supply of housing.
The key point on cost is that the rental you pay on the 30 % you do not buy is at a heavily subsidised level of around 2.75 % compared to likely mortgage costs of at least 6 % once interest rates recover to more normal levels. The rental does increase as you say at a rate linked to the retail price index. Generally there is a discounted rent for the first 2 years which is at only around 1 % or less.
The other advantage is flexibility - you should be able to afford a property with a higher market value now by buying a shared ownership property at 30 % and then buy the rest in future when you can afford it. But you can just stick at 30 % and have a cheaper property in the long run until your death or 99 tears whichever comes first! Seriously though there will be provisions in the lease to extend its term which it would make sense to do once it gets down to around 70 to 80 years.
Subscribe to:
Posts (Atom)