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CompareCards.com Reviews Whether the BP Gas Card Has Too Many Leaks

CompareCards.com, a leading service for consumers to compare credit cards and manage their personal finances, has posted its recent BP Gas credit card review. With recommendations that put the consumer first, CompareCards.com provides crucial information ...

CompareCards.com Reviews Whether the USAA Credit Card goes the Extra Mile

CompareCards.com, a leading service for consumers to compare credit cards and manage their personal finances, has posted a recent review of the USAA credit card. With recommendations that put the consumer first, CompareCards.com provides crucial ...

Google To Launch Credit Card Comparison Search

Google is to let users compare credit cards, current accounts and savings accounts directly from its homepage. “Today we are introducing a new look comparison unit with enhanced transparency using BeatThatQuote.com expertise and Google technology ...

Chart: Compare and find the best gasoline rewards card for you

Some don't offer a single reward, while others pile on hefty discounts, rebates, and special deals. Store cards are often the easiest credit cards to get, while co-branded cards (the result of partnerships between retailers and networks such as Visa and ...

Best Grocery Credit Cards for 2012

a credit card comparison website, reviewed the top credit cards and compiled their latest list of the best grocery credit cards to help families put food on the table. CreditDonkey.com compared generous rewards, low interest rates, low fees and helpful ...

Top 12 "Ask the Expert" questions

That doesn't mean every one's right for you. Compare credit cards based on how you manage your money, not based on an abstract APR or on the short term value of a signup bonus. To get started, read our feature on choosing from the best credit cards.

Why You Should Take the Time to Compare Credit Cards

Taking out a credit card used to be easy – credit card companies were falling over themselves trying to persuade you to take out their cards. The majority of credit cards made their money by charging large amounts of interest on balances that were not ...

Be Store Card Savvy to Reap Rewards

Analysis by MoneySupermarket.com, comparing credit and store cards from a number of high street retailers, shows a big difference between the interest rates charges, and the rewards on offer. The UK's number one comparison site looked at interest rates ...

comparethemarket.com Unveils New Credit Card Comparison Feature

Following the successful launch of its credit card comparison service in January 2012 ... as well as the ability to filter out cards that feature and annual fee. comparethemarket.com is a trading name of BISL Limited. BISL Limited is ...

Credit Cards - Compare Credit Card Offers at CreditCards.com

Compare Credit Cards & Credit Card Offers at CreditCards.com. Search credit cards and reviews about the best low interest, 0% balance transfer, reward, cash back ...

Compare Credit Cards

CreditCards.org enables consumers to search and compare credit cards, review the best credit card offers, and apply online. Includes a comparison of Visa, MasterCard ...

Credit Cards - Best Offers | Compare & Review | CreditCards.org

Bankrate.com provides credit card offers to apply for low APR and rewards credit cards. ... Compare Rates

Credit Cards | Best Credit Card Offers | Low Interest APR Rewards ...

Compare credit cards and find the credit card right for you. Use our free Credit Card Finder. We feature credit cards for everybody: low interest, excellent credit ...

Compare Credit Cards - Find the best credit card for you at ...

Compare credit cards and choose the right card for you. Credit card comparison guide where you can sort by name, by bank, or by purchase APR to see the desired rates ...

Other Compare Credit Cards Results

Resolved Question: Im a failure at life?

I know this site gets a lot of these questions but I just want to vent. I have a 2.3 GPA at community college I have schizophrenia and bipolar, the meds make me tired and demotivated I havent went to the gym in two years I skip classes and have no hope I threw away the final today cause I had an anxiety attack which brought my grade from a B to a D, I knew everything on the test too I'm gay and only fooled around with one guy in my life I get manic and sometimes charge my dads credit card leaving me with guilt and hatred towards me. (im a bad person) I have a couple good friends but I always find myself comparing my life with theirs and realizing im really far behind in life. Ive tried to commit suicide two times Nothing interest me anymore Im just bad at anything How do I deal with being such a failure, I really hate myself, I dont want to die, but eventually if things keep going down ill end up offing myself more

Voting Question: Is it dangerous if I...?

write my credit card information on a piece of paper to give to a florist? What difference would it be compared to ordering their flowers online? I'm going to Basic Training and AIT for the Army soon and by the time I want my flowers ordered to someone, I don't know that I'd be able to get my order through and don't want to take chances on it. Also I have a specific order, so I was thinking I could write the florist a note and my billing info down and have my brother bring them the note in my place. I know it doesn't sound like a good idea, but is it really that bad compared to doing the same thing online? more

Voting Question: Can someone explain this to me?

I'm setting up a wifi hotspot. I'm comparing features of the free and paid version of the program that is helping me do this. On the free one it says that any revenue generated from your hotspot is yours. But it says for the free one it wont accept paypal or credit cards. So how else is it generating revenue? more

Resolved Question: Please rate this deck please. How could I improve it?

This is a WARRIOR based deck. I would like it to remain so. How would the deck rate out of 10? TOTAL CARDS: 43 + 6 Monsters: 22 Spells: 14 Traps: 7 Extras: 6 MONSTERS 3X Max Warroir 3X Marauding Captain 2X D.D. Warrior 2X Warroir Lady of the Wasteland 1X Turret Warrior 1X Evocator Chevalier 1X D.D. Assailant 1X D.D. Warrior Lady 1X Field Commander Rahz 1X Tune Warrior 1X Command Knight 1X Exiled Force 1X Attack Gainer 1X Hyper Synchron 1X Caius the Shadow Monarch 1X Mobius the Frost Monarch SPELLS 3X The Warrior Returning Alive 2X Mystical Space Typhoon 1X Reinforcement of the Army 1X Brain Control 1X Snatch Steal 1X Big Bang Shot 1X Lucky Iron Axe 1X Magical Mallet 1X Flint 1X Rod of Silence-- Kay'est 1X Monster Reincarnation TRAPS 2X Compulsory Evacuation Device 2X Magic Cylinder 1X Mirror Force 1X Sakurestsu Armour 1X Desperate Tag EXTRAS 1X Number 39: Utopia 1X Number 17: Laviathan Dragon 1X Colossal Fighter 1X Scarred Warrior 1X Power Tool Dragon 1X Life Stream Dragon Please, be polite with your comments. Also, this is my current tournament deck, so does it follow the current ban list? I've done my best, but there may be a card or two I've missed. I'd love to check out your decks to compare them, so if you wish, share it! {THIS DECK LIST REMAINS THE CREATION OF D.F. WIGHT. If IT IS USED, PLEASE PROVIDE ME CREDIT.} more

Resolved Question: Do you moniter your credit karma scores ? If so, what are they ?

I know, I know, they aren't "real". They ARE free. Free beats real for me. Anyway, mine are Transrisk 763 Auto Insurance 883 Vantage Score 896 Interested in comparing my score ranges to others. I have noticed that my Vantage score goes down for minor credit card debt monthly. It fell 11 points for me showing roughly $600 worth of credit card debt one month on about $80,000 in availability. Less than 1%. But when I pay them all off before month end the score goes back up. I mean before the statement date is when I pay to maximize my score.marcus, you are a total IDIOT ! more

Resolved Question: Finances: Income and Debt Unit Help?!?

Voluntary deductions include ____. (1 point)federal tax withholdings state tax withholdings health insurance premiums Social Security withholdings 2. FICA is a(n) _____. (1 point)involuntary deduction based on a percentage of gross pay voluntary deduction based on a percentage of net income voluntary deduction based on a percentage of gross pay involuntary deduction based on a percentage of net income 3. An example of a fixed expense is _____. (1 point)clothing (not for work) gas for a trip to the beach jeans mortgage 4. Deductions from your pay such as FICA, federal withholding, and state withholding are _____. (1 point)voluntary and fixed voluntary and discretionary involuntary and fixed involuntary and discretionary 5. Realized income is _____. (1 point)the amount of income you anticipate having additional income through investments the amount of income on hand income already spent 6. Compounding interest means interest accrues _____. (1 point)more slowly more quickly at the same rate at variable rates throughout the term 7. When you spend more than you make, you have a(n) _____. (1 point)surplus overage deficit gain 8. You work 40 hours/week for 50 weeks and are given the option to be paid hourly or to go on salary. In which situation will you earn the most? (1 point)$33,000/year $17.00/hour $33,000/year with a 10% bonus $17.00/hour and a $2,000 bonus at the end of the year 9. You receive your pay stub and your gross pay is $1,200.00 and your net income is $836.00. How much FICA is withheld at 7.65%? (1 point)$91.80 $364.00 $27.85 $63.95 10. What is the total of your fixed expenses? Expense Amount Mortgage $1,034.78 Utility bill $168.34 Credit card $54.21 Groceries $98.75 Khakis (required for work) $45.88 (1 point)$1,356.08 $1,301.87 $1,401.96 $1,203.12 11. Using the table for question #3, what is the total of your discretionary expenses? (1 point)$0.00 $100.09 $198.84 $45.88 12. You work at the Peacock Blue store 40 hours/week over five days at a rate of $8.75/hour. Deductions are FICA (7.65%), federal withholding (12%), and state withholding (8%). Your expenses are transportation at $4.25/day, lunch at $3.85/day, and black slacks required for work at $29.95. How much is your discretionary income for one week? (1 point)$182.77 $212.72 $233.97 $269.55 13. You purchase a computer for $875.00 plus 5% sales tax. You decide to finance it through the store's 0% program for 12 months. The terms state you pay nothing until the 12 months are over. When you receive the bill, you forget to pay it and are assessed a late fee of $39.00 plus the interest accrued to that point at 14.25% APR. How much interest will you be charged? (1 point)$130.25 $136.48 $130.92 $124.69 14. Your gross pay is $1,878.96, net income is $1,196.34, and fixed expenses are $1,338.54. What is your discretionary income? (1 point)$540.42 $682.62 $0 You have a deficit of $142.20. 15. You invest $1,000.00 in one account and $4,000.00 in another account. Both accounts have the same interest rate over the same amount of time. How will the interest earned compare? (1 point)They will earn the same amount of interest. The $4,000.00 account will earn 4 times the amount of interest. The $1,000.00 account will earn one-fourth the amount of interest. The $4,000.00 account will earn one-fourth the amount of interest. 16. You invest $4,000.00 for six months at a 4.25% APR. How much interest will you earn? (1 point)$850.00 $85.00 $102.00 $1,020.00 17. If you have 12% withheld for federal taxes, 7% for state taxes, and FICA is 7.65%, how much are your involuntary withholdings in all if your gross pay was $1,375.00 and your net income was $725.00? (1 point)$650.00 $193.21 $366.44 $283.56 18. Your original purchase price was $950.00 plus 5% sales tax. You enter into an agreement where the interest (12.5% APR) is waived for the first 12 months provided you make the required monthly payments; otherwise the interest is accrued from the date of purchase. You missed the first payment due date. The late fee is $35.00. How much is the interest? (1 point)$118.75 $10.39 $9.90 $124.69 more

Resolved Question: Do you believe that desire can cause pain?

My 3 siblings are all married, each make 2 good incomes, each have 2 children, lived in very nice homes, drove expensive vehicles, all had underground pools... get the picture. I am a single mother. Make about a third compared to my siblings, have 3 children with no child support, live in a middle class home, have a minivan, no pool. I have never owned a credit card because I chose not to. My siblings all have many. But currently they are all broke! They have unbelievably, all three lost their homes. They drive beater uppers and live more poorly than I do. I have spent all my adult life being belittled by my siblings for not "being in their class". Now they are coming to me asking me to help them. And trust me... I don't have much. I live within my means and never have I once asked any of them for a loan or help in any way. Nor have they ever offered. I have done everything I know to live right, do it on my own and have managed to be quite happy. I enjoy helping people when they truly need help. But I don't feel I should have to help married couples with 2 incomes. I'm sorry if they are use to the higher class lifestyle and can no longer attain it. They still have more than me. If they didn't desire such an upper class lifestyle and lived as they could afford without the help of credit cards and credit I believe they wouldn't be in the mess they are in. I have accepted what I can and can't afford and have live quite peacefully. Do you agree that desire causes pain? more

Resolved Question: Consumer Math Help Please?

Yeah, I have more questions. Can you please explain how to do this so I can answer the other 3 on the work sheet? 1.) Your friend wants to borrow $1,137.45 from you to pay off a credit card that charges a 14.7% APR. You agree to the loan but require your friend to pay you interest of 3.6% APR on the loan and your friend agrees. Step a.) If your friend pays you $200.00 at the end of the first month, how much goes toward the principal? Step b.) How much interest does your friend save compared to the credit card at the end of the first month? more

Voting Question: Help with math. Dont understand any of this.?

Question 1 (Multiple Choice Worth 2 points) Ben opened a credit card at a department store with an APR of 27.99% compounded monthly. What is the APY on this credit card? 2.33% 31.88% 39.27% 55.98% Question 2 (Multiple Choice Worth 2 points) Barbara opens a credit card with an APR of 19.99%. How much is charged in interest this month if her balance is $1250? $19.99 $20.82 $249.88 $16.66 Question 3 (Multiple Choice Worth 3 points) Aimee is comparing three investment accounts offering different rates. Option A: APR of 7.79% compounding monthly Option B: APR of 7.70% compounding quarterly Option C: APR of 7.685% compounding daily She would like to earn at least an 8% annual yield. Which account(s) will give Alexandra the yield she wants? Option A only Option B only Options A and C only Option B and C only Question 4 (Essay Worth 8 points) Part 1: Explain which companies would advertise APY over APR and describe how this would help them attract customers. (4 points) Part 2: Create a unique APR (state how often the rate is compounded) and calculate the corresponding APY. Use a comparison of the two rates to verify your answer to part 1. (4 points) more

Resolved Question: Can anyone explain this ebay clothing item to me (link provided)?

http://compare.ebay.com/like/260999299187?var=lv&ltyp=AllFixedPriceItemTypes&var=sbar&_lwgsi=y&cbt=y I am confused: Does this mean that I can buy the product or do I have to place a bid for it? And how can I check when it is going to arrive to my house without giving away my credit card number? Thank you. :) more

Resolved Question: Should I take 5 AP's in my junior year?

Next year is going to be my junior year, where almost everything will start to kick off during that year; Most intense, junior prom, SAT and ACT, college early decision, etc. My number one choice school is either Yale or MIT. English is not my first language, so I guess I'll have some sort of "advantage" in term of college administration. Anyway, I have some extracurricular activities outside of the school along with sports in the spring (ONLY spring, since there are always raining and practice got cancelled frequently. Don't be mad or disappointed at me, there must be tons of students out there doing sports only because of their college administration). I'm also involve doing some community service over the weekends, which is the one that I truly like. My school is considered to be the top 500 high schools in term of AP programs in nationwide. So here is my schedule for the next year: AP UNITED STATES HISTORY (not included government of anything) AP CHEMISTRY (I freaking love science) AP PHYSICS (Partly because I love science and I'm good at math, but not really the materials like electricity, light, etc.) AP ENGLISH LANGUAGE AND COMPOSITION (People said it's an easy class because there are not much things to memorize once you gained the skill of how to read and write except that you have to memorize some vocab, but I guess those vocab are also useful when you're doing the SAT). AP STATISTICS (Again, an easy AP compares to others, I love math). Here are some other non-AP in my schedule: Honor Pre-Cal. Accounting Gym Honor Spanish 4 Those non-AP's are all applicable for community college dual-credits, even my gym. So yea, this is my schedule, 5 AP's with 3 dual-credits classes. Any suggestion? I can dedicated so hard to school stuff (that's always what I do), but so far, I just don't even try to maintain all A's on my report card. For AP's, I can be really seriously because I have a sense and idea of the consequence/effects on my entire life based upon the most important year in high school! So please take it seriously and give me some suggestions if you can! more

Resolved Question: Should I Come out of the closet?

As my life as a teenager i grew up with what i now think is the curse of being unintentionally handsome. i guess i should blame genetics, anyway, all my life women have always came to me. Which was great when I was a teenager and thought that all girls were cute and innocent. Aging into my early 20's i realized wow was i due for rude awakening. I've been cheated on in the 3 meaningful relationships I've ever been in with a woman. every time, I always try my hardest to be a "nice" guy. But turns out, women being the bitches they are, only like total and complete assholes. I am a total misogynist! Women are slow, unfunny, narcissistic, mean and most of all, the biggest mooches on the planet. All they want in life is materialistic things like diamonds and to crush the hearts of men that they are in a relationship with in just because they can and think its funny. All women do is sit around and wait for us guys to do the hard work so they can go behind our backs and charge all of our hard earned money on clothes with the credit card they stole out of our wallet. And then think its okay just because they are the female in the relationship and then get furious at us whenever we do something without thinking about it. One of the funniest things about it is that girls who say that they are different are ironically the most shady and egoistical of them all. I also hate it when i see people telling others to respect women on TV, it infuriates me! anyway, I am the biggest misogynist on the planet but i don't find Men sexually attractive even though they are saints compared to the alternative, what should I do? more

Resolved Question: Does anyone know of an finance app that has the following features in ideally this order?

1. Downloads your bank information (credit card, loan and bank) 2. Allows custom categorizes 3. Lets you take pictures of reciepts and categorize them by item. 4. Compares the totals of the reciepts to transactions downloaded from your bank(s) (meaning it waits for that purchase to download in them compares it)((still would be nice if it calculated an "expected" balance) 4. Uncategorized purchases (reciepts you didn't scan basically) are automatically categorized by where they are from. (even better if it asked you each time it detected a new place that you purchased from to prevent fraud) 5. Syncs to a web or desktop app. 6. Information can be exported to Excel 7. The information can be used against a budget. Showing a projected and actual in spending. Thank you very much to those who answer. I am looking for basically a computer to do all the work when it comes to helping me control my expenses. If there is a only a desktop program that will do this please also let me know. more

Resolved Question: Opening a credit card account?

I have credit card already, but I would like to open another chase credit "INK Cash"(for its $300 cash back). See the below link, and I would like to know if there is any trick for this account. It does not say how much I need to spend on the first 3 months, can I quit using the card after getting $300 cash-back? Since I don't like too many bills, and I would like all my bill under one place(my current credit card). Any good deals from American Express too? Thank you very much! https://www.chase.com/online/business-credit-cards/compare-cards.htm more

Resolved Question: Can a neutral party deny a request for documents (video surveillance) if there was suspicion of a robbery?

I'm a waiter at a restaurant. Tonight, either through my error or robbery, a sizable amount of my tips were missing. I know this because my credit card tips were a few dollars below what I walked out with. Even if I broke even, that would mean my cash tables left me zero dollars. Compared to my average percentage (13-16), i'm missing over 50 dollars (calculated at 13%). My percentage on my credit card tips was also above 15%. Obviously, the most opportune time to steal cash off of a table is when the table is empty and money is on it. Also, there is the possibility an employee stole it. Still, the best time to steal it is the same. At the end of the shift, I went through every table that paid in cash and supplied the restaurant with a list detailing when each cash table was there. However, basically out of laziness, the manager said it wouldn't do any good to look at it. I would like to know my rights to the footage in this situation. From what I've read, I think I'd have to put in a request for documents, but can they deny that? Really, I just want to talk to the head manager and explain that if I'm not given a copy of the footage or at least allowed to view it with someone else, there's going to be paperwork, lawyers, statements, yada yada yada. Hell, I might even talk to the paper. At this point I'm more mad they refused to help me than I am with whatever happened to the money. I'm a model employee who's been there almost a year now (college job, so that's actually pretty long comparatively speaking). more

Resolved Question: How can my mom get help (financial)? Legal help?

My mom is on call. She's also on umeployment. I'm not working, I'm looking for work - so no silly little comments like "Why not help your mom out". I AM appling for 100 jobs a week AND I volunteer at 4 different places. This is about my mom, not me. And I live with her rent free. I don't have any $ coming in to help her. I'm doing all I can to look for work. . She is on unemployment, but she LOSSES money when she only works 2 days a week at her job. (She is on-call). She will GET LESS MONEY each month if she works 2 days a week- as compared to NOT working at all and getting the money from unemployment. She gets less then $900 a month on unemployment. If she works 2 days a week, she will only be getting about $600 or $700 a month. She has credit cards. Her husband passed away in 2004. She was paying on HIS credit cards (in his name and her own (in her name) for the last 7 years, But in Oct 2011, she went on call. I keep on telling her "You can't pay his credit cards any more, you can't do it, don't pay them, you can't afford to pay on HIS credit cards, you are not working full time anymore! You must stop or you will not have enough money to pay the electric bill or the gas bill or the water bill. You must stop paying on HIS credit cards" She does not listen to me. She NEVER listens to me. Her house is paid off in full. Life insurance paid it off when he died. I have asked this question, and I will ask it again on here.. But people keep on saying "Take a home loan out, take a home loan out" HELLO?? Home LOANS need to be PAID BACK. Question 1: How do you expect my mom to pay the home loan back when my mom can't even pay the credit cards? The credit cards were used for emergencies, such as car repair - brakes. Something like that. She's been paying all of her credit cards -and her desceased husbands since 2004. She's been doing it all by herself. But she can't pay all of them anymore. She can't even pay 1/2 of the AT and T or the Wells Fargo. She doesn't make enough on unemployent to "cut the payment in half". She very afraid she will get a LEAN on the house and she afraid that the bills will go to collections and then she's worried she will LOSE the house! She can't take out a home loan since that will NEED TO BE PAID BACK. Question 2: How can my mom take out a home loan? how will she be able to pay that loan back? What what money? People are saying 'take out the home loan to pay off the credit cards" Huh? What? Question 3: Will her house be in jepordy of a lean if her husbands credit cards are not paid? (she says if "they" the credit card people) know that HE DIED in 2004, then "They" will ask for the "payment in full" and she CAN"T DO THAT, she doesn't make enough money. Question 4: is it TRUE that "they" will ask for the payment in full if "they" found out her husband died in 2004? "They" is the credit card company. She is so AFRAID and she is living in FEAR daily thinking "They, they, they" will take her home and put a lean on it. I told her to STOP living in FEAR.Okay since this was a little confusing. Her husband opened two or three cards in HIS name, she had a card too as a card USER, but the card was opening in his name. My mom has two credit cards in HER name - and her name alone. So those - in her name she can pay. But she can't afford to pay HIS, the ones that are in HIS NAME. there are TWO that were opening in his name.Lil Creep, she CAN"T stop working. She needs to come into work at least 2 shifts a week. If she does not come into work at least 2 shifts a week, it will go down as "QUIT" and guess what? HR will inform unemployment - then she has NO UNEMPLOYMENT COMING IN AT ALL. So, she can't just "stop working"Lil Creep, she CAN"T stop working. She needs to come into work at least 2 shifts a week. If she does not come into work at least 2 shifts a week, it will go down as "QUIT" and guess what? HR will inform unemployment - then she has NO UNEMPLOYMENT COMING IN AT ALL. So, she can't just "stop working"She has a living trust on the house. My step sister and I are both co-executors and when she (my mom) dies, the house needs to be sold and then 1/2 the money goes to her, 1/2 to me. No need for a probate attorney, I don't think more

Voting Question: URGENT help with financial algebra worksheet!!?

1. Bob opened a credit card at a department store with an APR of 23.99% compounded monthly. What is the APY on this credit card? A.26.81% B.2.00% C. 47.98% D. 32.91% 2. Brooke opens a credit card with an APR of 28.99%. How much is charged in interest this month if her balance is $500? A. $12.08 B. $24.16 C. $28.99 D. $144.95 3. Ashley is comparing three investment accounts offering different rates.   Option A: APR of 4.95% compounding monthly  Option B: APR of 4.85% compounding quarterly  Option C: APR of 4.895% compounding daily   She would like to earn at least a 5% annual yield. Which account(s) will give Alexandra the yield she wants? A. Options A and B only B. Option B only C. Options A and C only D. Option C only 4. Part 1: Explain which companies would advertise APY over APR and describe how this would help them attract customers. (4 points)  Part 2: Create a unique APR (state how often the rate is compounded) and calculate the corresponding APY. Use a comparison of the two rates to verify your answer to part 1. (4 points) more

Resolved Question: Should I try for a recommendation or look elsewhere for work?

I am a middle aged man working in the retail industry. I could tell you how I got into this line of work. Part of it was because I left my last full time job to work for a small business that went under. Now I am trying to work my own business and working a second job to supplement my income. I also continue to look for a full time job. One of the questions I am asked is "are there any opportunities to work there full time?" Its complicated. In order to apply for an opportunity within the company, I need a recommendation from a supervisor. I work there on call so my supervisor is the Human Resources Manager. He knows that I have been working closely over the holiday season with one particular department manager and told me to see her for the recommendation. Only trouble is, that department manager is a jerk. She is nasty and mean. All of the sales people hate her. Over the weekend, I had an incident with her in which she stepped on my foot, pinched me, and scratched me over a pricing issue with a customer. It got me so angry I am debating whether to report the incident. I had found out about a pending opportunity at another store owned by the company. But in order to apply for that job, I need a manager's recommendation, which would mean a recommendation from this department manager. Performance wise, this manager has been riding me about my lack of performance. I am not bringing in enough company credit cards. My sales are slacking compared to my co-workers. Because I only work there on call, it is hard for me to get into the groove of selling and it is my first sales job. The customers find that I am helpful and personable but what that means is that I am easily pushed over when it comes to pricing issues and customers take advantage of my good nature. The most successful sales persons in the store are able to turn the liking part into more sales and more credit applications done for them. The store as a whole has been affected by petty office politics. Since working there for three years, I have seen five store managers come and go. When new store managers come on board, department managers are shuffled around to different departments. Several managers have been fired, transferred to jobs at other store locations within the company, or simply quit. I have been shy to ask this department manager for a recommendation to apply for promotions from within the company. Now with the incident that happened over the weekend, I am letting this affect me. When I go to job interviews elsewhere, I do not list that I am working on call at my present job. When I wasn't working at all I was asked "are you currently working?" Now I am asked "is this full time?" Its as if they are asking me to confirm what they already have taken steps to find out. Unlike most companies, my store does not have a hiring freeze. There are opportunities but usually the jobs are filled by people who work at other stores and often the jobs are filled by people off the street who are friends of the managers. I suspect that the managers are using head hunters and getting paid to place these people. That's the rumor. My college degree is in Communications. I thought that working in sales and getting sales experience might lead me to getting into management. Since getting my bachelor's degree, I have worked a series of office jobs doing clerical work and went back to school to get two master's degrees, including my MBA. I make minimum wage and no commissions. If I was to do this full time, its not a job that I dreamed about getting when I was going to college, or even graduate school. At this point, I am simply scouring the job sites like Monster and Indeed and applying for any job that is open to just about anyone and trying to convince the hiring manager that this particular job is what I have always wanted to do all of my life. When I go for interviews, I arrive all dressed up in a suit and tie and usually interview with a hiring manager who is dressed in a tee shirt and jeans and we go into an office that smells like a garage. When I am working in the store, I get through the days working there by cracking jokes. That's because most of the people I work with are constantly laughing at me. For a while, I was living at home and trying to run my small business, trying to save money. But my stepfather convinced my mother to sell the family home and now I am living off of my savings in a one bedroom apartment. I am so poor at this point that I had to get my stepfather to cosign my lease. more

Resolved Question: Why does the world put up with Israel's aggressive stance on every issue?

Israel Vows Retaliation For Credit-Card Hack The Israeli government has compared the publication of thousands of credit-card details to a terrorist attack The Israeli government on Saturday promised to retaliate against a cyber-attack last week that saw the theft and publication of thousands of Israelis’ credit-card details, an incident Israel compared to an act of terrorism. “Israel has active capabilities for striking at those who are trying to harm it, and no agency or hacker will be immune from retaliatory action,” said Danny Ayalon, Israel’s deputy foreign minister, in a statement. He said the theft represented “a breach of sovereignty comparable to a terrorist operation, and must be treated as such”. ---------------------------------------------------------------------------------------------------------------- Even the USA doesn't react like this when we have been hacked..... What is the matter with them? more

Voting Question: Stats homework help please?

A researcher wanted to know if the content of television programs has an impact on viewer's recall of ad content. He randomly assigned 108 people to view a program with violent content, and 110 people to view a program with neutral content. The same 9 commercials were inserted into each program. After viewing the program, the subjects were asked to recall the brands advertised in the commercials. The average number of brands recalled for those who saw the violent program was 3.77 with standard deviation 1.87. The average number of brands recalled for those who saw the neutral program was 4.65 with standard deviation 1.67. The conservative degrees of freedom for the t distribution are A.107 B.109 C.217 A bank is investigating ways to entice customers to charge more on their credit cards. (Banks earn a fee from the merchant on each purchase, and hope to collect interest from the customers as well.) A bank selects a random group of customers who are told their "cash back" will increase from 1% to 2% for all charges above a certain dollar amount each month. Of the 500 customers who were told the increase applied to charges above $1000 each month, the average increase in spending was $527 with standard deviation $225. Of the 500 customers who were told the increase applied to charges above $2000 each month, the average increase in spending was $439 with standard deviation $189. When testing whether or not the increases in spending are different, the test is significant at α = A.5%. B.1%. C.0.5%. A sports writer wished to see if a football filled with helium travels farther, on average, than a football filled with air. To test this, the writer used eighteen adult male volunteers. These volunteers were randomly divided into two groups of nine subjects each. Group 1 kicked a football filled with helium to the recommended pressure. Group 2 kicked a football filled with air to the recommended pressure. The mean yardage for Group 1 was = 300 yards with a standard deviation = 8 yards. The mean yardage for Group 2 was = 296 yards with a standard deviation = 6 yards. Assume the two groups of kicks are independent. Let and represent the mean yardage we would observe for the entire population represented by the volunteers if all members of this population kicked, respectively, a helium- and air-filled football. Assuming two sample t procedures are safe to use, test versus . What do we conclude about the gas filling a football? A.There is no difference between helium and air. B.Air-filled footballs go farther, on average. C.Helium-filled footballs go farther, on average. Some researchers have conjectured that stem-pitting disease in peach tree seedlings might be controlled with weed and soil treatment. An experiment was conducted to compare peach tree seedling growth with soil and weeds treated with one of the two herbicides. In a field containing ten seedlings, five were randomly selected throughout the field and assigned to receive Herbicide A. The remainder were to receive Herbicide B. Soil and weeds for each seedling were treated with the appropriate herbicide, and, at the end of the study period, the height (cm) was recorded for each seedling. The following results were obtained: Herbicide A: 87, 80, 80, 76, 73 Herbicide B: 78, 72, 74, 68, 62 A 90% confidence interval for the difference in mean heights for the two herbicides is (0.2, 14.6). Which statement is correct? A.The P-value for a test of the null hypothesis of equal means and the alternative of different means would be greater than 10% because the interval doesn't include 0. Herbicide B 78, 77, 74, 68, 62 B.A 95% confidence could not include zero either, because we would be even more confident of a difference in the groups. C.Both (a) and (b) are incorrect. A researcher wanted to know if the content of television programs has an impact on viewer's recall of ad content. He randomly assigned 108 people to view a program with violent content, and 110 people to view a program with neutral content. The same 9 commercials were inserted into each program. After viewing the program, the subjects were asked to recall the brands advertised in the commercials. The average number of brands recalled for those who saw the violent program was 3.77 with standard deviation 1.87. The average number of brands recalled for those who saw the neutral program was 4.65 with standard deviation 1.67. The standard error for is A.0.180 B.0.058 C.0.240 more

Resolved Question: Does the PlayStation store work outside the US?

I live in the Middle East and I plan to buy a PS3 this month. One of the key things I'm gonna be doing is buy games from the PlayStation Store. But does the store work outside the US? Do I need a credit card in the US in order to buy things? I'm asking because I couldn't purchase a B&N Nook because they require a US credit card with a US billing address in order buy ebooks. I'm not sure if the same is true for the PlayStation store given that it is more international as compared to the Nook. Thanks! more

Resolved Question: Which debt should i pay off?

I have a credit card with a little over $1K balance and a personal loan with about the same. The loan has like a 12% rate and the credit card has like 19%. But the payment for the personal loan is $155 compared to the credit card of $40ish. Should i pay the loan off and just pay $155 more to the card each month or pay the credit card down and keep going with the loan?Oh i have more debt lol. and thank you more

Resolved Question: How much credit card debt do you have?

I just want to know how much credit card debt other couples have? How much credit card deb do you have compared to you income? more

Resolved Question: Come on people. I have the answers that I worked on marked on here. I just need to know If I'm right or wrong!?

I have the answers marked! I just need you guys to tell me if I'm wrong or right and to fix my answers if they're wrong. That's all I ask! I ain't like most people who sit here and throw the questions at you without even trying! I tried.. I only have 4 pages of information to work with but I tried. Please help me? 1. A FICO® score represents all of the following EXCEPT: (1 point) the amount of money in your retirement account. income to debt ratio. ************** creditworthiness. length of credit history. 2. On average, compared to a person with good credit, a person with poor credit will pay _____ for insurance? (1 point) 5% to 10% more *********** 10% to 15% less 20% to 50% more 25% to 40% more 3. How long does it take to rebuild your credit history? (1 point) 8 years 7 years 9 years 30 years ********** 4. Secured debt means a lender gives you money in exchange for what? (1 point) Collateral Credit report Principal ********** Interest 5. Which type of debt is the least attractive for a consumer? (1 point) Unsecured debt Secured debt ********** Mortgage debt Lease debt 6. When as asset, such as a car, decreases in value over time what is it called? (1 point) Financing ************ Equity Leasing Depreciation 7. If you miss one payment on a credit card, what is generally the penalty? (1 point) A higher interest rate A lower available credit line A late payment fee A negative notation on your credit report ****************** 8. If you miss two payments on a credit card, what is generally the penalty? (1 point) A higher interest rate and a late payment fee A late payment fee and a lower available credit line ************** A late payment fee A negative notation on your credit report 9. If you have $1,000.00 on a credit card and the interest rate is 23.7% per year, how much interest will you pay for one year? (Multiply rather than compound your interest.) (1 point) $2,370.00 $23.70 $237.00 ******** $230.70 10. How many monthly payments are there in a 30-year loan? (1 point) 30 365 360 100 *********** more

Voting Question: Help me with Personal Finance? Correct me If I'm wrong?

1. A FICO® score represents all of the following EXCEPT: (1 point) the amount of money in your retirement account. income to debt ratio. ************** creditworthiness. length of credit history. 2. On average, compared to a person with good credit, a person with poor credit will pay _____ for insurance? (1 point) 5% to 10% more *********** 10% to 15% less 20% to 50% more 25% to 40% more 3. How long does it take to rebuild your credit history? (1 point) 8 years 7 years 9 years 30 years ********** 4. Secured debt means a lender gives you money in exchange for what? (1 point) Collateral Credit report Principal ********** Interest 5. Which type of debt is the least attractive for a consumer? (1 point) Unsecured debt Secured debt ********** Mortgage debt Lease debt 6. When as asset, such as a car, decreases in value over time what is it called? (1 point) Financing ************ Equity Leasing Depreciation 7. If you miss one payment on a credit card, what is generally the penalty? (1 point) A higher interest rate A lower available credit line A late payment fee A negative notation on your credit report ****************** 8. If you miss two payments on a credit card, what is generally the penalty? (1 point) A higher interest rate and a late payment fee A late payment fee and a lower available credit line ************** A late payment fee A negative notation on your credit report 9. If you have $1,000.00 on a credit card and the interest rate is 23.7% per year, how much interest will you pay for one year? (Multiply rather than compound your interest.) (1 point) $2,370.00 $23.70 $237.00 ******** $230.70 10. How many monthly payments are there in a 30-year loan? (1 point) 30 365 360 100 *********** more

Resolved Question: Help me with Personal Finance? Correct me I'm wrong?

Resolved Question: Why have the debt collectors stopped calling?

When I was 19 I foolishly applied for 2 credit cards. One was a Chase Freedom card with a balance of $1,500. And the other was a Victoria's Secret Angel card with a balance of $450.00. I am now 20 years old, and my total debt has reached just shy of $1,800 on my Chase card, and about $600 on my V.S. card. When I got my first couple of credit card bills, I made very minimal payments. Then I simply stopped paying. YES - I know that is not okay. But I am a full time college student who only works part time. I am soon to be a full time nurse aid, but until then, I am on a very strict budget. Once the card companies realized I wasn't attempting to pay anything, they started calling my cell phone in an attempt to set up payments. On some occasions I had set up payments, but they were never collected as I didn't have the funds. It wasn't long before my debts were sold to collection agencies. The collectors began calling my cell multiple times a day. But ever since the new year began, I have received less calls, and now it has been a month and I have heard nothing. No mail, no calls. Is this bad or good? Could they attempt to sue me? I have heard that once in a blue moon, debt collectors will drop your debt if they do not wish to pursue payment. Because my debt is minimal (compared to most) is it possible that they may have just gotten fed up with trying to contact me and decided to drop it? P.S. I am COMPLETELY aware that applying for credit cards in the first place was incredibly stupid. Especially the Victoria's Secret one. Who needs to go into debt for underwear? I don't need to be told that I was foolish or immature, because I already know that. And if the collectors have not simply dropped my debt, I will be capable of paying off the card balances once my nursing job begins in June. P.S.S. I have cut all of my card in half and will never apply for another card as long as I live, it is a slippery slope, and I have learned my lesson....although, I think my credit at this point wouldn't allow me to be approved even if I tried! more

Resolved Question: Regarding DeviantArt?

I got a Deviant Art account on my last birthday (December 23rd). In a lot of ways, it's great. Like I've gotten to see a lot of art I wouldn't normally see otherwise, been able to make a few friends, along with open up a few new styles... Problem, you may ask? Well, I haven't gotten to it yet I've always been skeptic about Deviant Art in the past. I tried joining in the past, only to have my own 'moral' come down on me. I think I asked a similar question some time ago, but now I have new info. 1. Points I am completely against using any type of system where you have to use a CREDIT CARD to become more "well-known". You're basically letting success sit ENTIRELY on the shoulders of a person's wealth. What if there's someone who's REALLY good at drawing but can't afford any type of points, so she's always put at the bottom? I have NEVER gotten any new points since I started DeviantArt (used them all on my first day), and up until recently, I've felt fine. I deleted ANYTHING that had the word 'point' or 'commission'. Now I realize that points are almost like money. YOU NEED THEM TO SURVIVE!!! 2. Adoptables I guess this kind of falls under the Points category, but it also has some qualities of its own. You're basically selling off your OWN work to other people for profit. Isn't that like prostitution, except with characters instead of sex? 3. Copyrights Honestly, what are the odds of someone stealing your art? The only instances I could think of when someone would steal photography. In the anime world, art theft takes place only among the more newb crowd, and the only thing stolen is the body, because they repaint it... 4. My Art / My Account I haven't posted a journal AT ALL, and I also haven't submitted anything yet. I mean, I've done a LOT of drawing since I got a scanner and I have plenty of OC's (I even created a VERY adorable creature, a Tenmaera {they look like a very furry dragon/kitsune hybrid with a Krawk-like muzzle}). So why would I hesitate in submitting? I've just been worried that my art won't compare to those of better artists and get overshadowed. I've been EXTREMELY slow, no make that, I've stopped for now, in getting better stuff (plushies, manga, etc.) And because I know that materialism is the back bone of otaku lifestyle, I've been worried about my already bad image on a lot of people. So... what to do... P.S. My account is Zereverefano, if you're wondering... more

Resolved Question: Writers: Who do you think you are? (+BQ)?

Didja click on this question expecting a scolding? lol. No No, I'm genuinely interested. What writer would you compare yourself to in terms of: 1) Sentence Structure 2) Use of figurative Language (metaphors, etc) 3) Story Telling 4) Genre Could be the same author for each, different authors, etc. But what published author would you say has a writing style most like yourself and why? BQ: What would you buy right now if you had a credit card limit of $2000? BQ2: Would you eat green eggs with ham? (Assuming the green's not from mold..eww) BQ3: What would you rather walk barefoot on: sand, mud, moss, stones, tall grass? BQ4: Does one finger ever get numb or tingly/achy before the others while writing? Or am I officially getting old? BQ5: Did you want to correct me when you read: "Didja?" lmao P.S. I think this is the shortest question I've ever asked. Remarkable! more

Resolved Question: How can you tell if your tickets from Ticketmaster will work?

I recently bought a pair of tickets for a Bruce Springsteen concert from a guy I met off Craigslist, the tickets are real. I compared them with a real copy, plus they came with his receipt attached with credit card info, date, address, etc ... But I've read that tickets can become void, like through refunds, scanning them and what not. I was just wondering if there's a solid way to find out if the tickets will work. Because I don't want to go to the concert the day of and be turned down because my tickets don't work. more

Voting Question: How to deal with stress and family problems. Please help!?

Basically, I am 20 years old and I am in my 2nd year at university and I love being there because it has allowed me to escape in a way from my family and all the problems I had whilst I was at home. Basically, I live with my mum and my older brother (he's 21) at home during the holidays and every time I come home I get blamed for the financial problems that we have. My mum and brother are useless with money and they get themselves into debt because they cannot handle their own money. When I left for uni, the benefits my mum got for being a single parent with a child in education ended and suddenly I became the bad guy for wanting to study in London and make something of my life. My dad lives 30 mins away from us at home with his new wife and my parents have been divorced for 15 years and all my mum does is compare me to him in terms of selfishness and everything. This isn't true because I have given my mum a lot of the money that I am supposed to be living on and I lent my brother £500 and he is paying it back really slowly. My mum borrowed some money off my aunty and she asked me to help pay it back for her. I was more than willing to until nearer Christmas, my money was running out quickly because my rent was more than i expected and I had to pay some money off my student credit card. My mum completely kicked off and shouted at me and told me to get out of her sight and never to come back again from uni (this isn't the first time she has said this, she usually apologises after a few days). I said she was overreacting and said that my aunty isn't exactly desperate for this money and all my mum had to do was wait until I had a bit more money. I have never forgotten how she suddenly changes how she is and slags me off to all our family members when it suits her. My dad said she is jealous of me because I am the first person in my family to go to uni and because I want to be a solicitor she is apparently jealous of my ambitions and the fact that I have such a good time at uni. My brother on the other hand encourages me to go out and have a good time because I didn't have much of a life at home but he never offers to help my mum and he lives with her!!! He has loads of money each week but he spends it on going out with his friends and am I wrong for thinking why is she asking me when all I have is my student loan and he is actually earning money???? My dad doesn't support me financially and he won't either. I can't cope with these constant problems. I have IBS and i feel ill a lot of the time because of these problems and I have just been diagnosed with polycystic ovaries and all my mum said to that was "oh well". Someone please advise me. I am struggling to cope. ( I cannot stay with any other family members during the holidays either) more

Resolved Question: Help with African currancy?!? :) pleasee ?

What is south africa's currency? Ok I'm not sure how the whole thing "money" thing goes so I have a few question (they may sound stupid, but please answer anyways! ) :) can I spend American dollars over there? How much is 1 American dollar compared to African dollars? How would I get African dollars if they don't use American dollars (I have no debit/credit cards, parents won't allow them)?, if I can spend American dollars over there. I have 2 friends in south Africa who I would like to visit, then they will be taking me sightseeing, and I'll be paying for everything (for me and for them, there will be 3 of us total) so how does the whole currancy thing work? more

Resolved Question: Paying for vacation with prepaid credit card?

I'm planning a trip for May to Orlando, FL. Planning on going to Disney, etc. I have more than enough money to cover it and am just comparing hotels as of now. I don't have a credit card and don't want one, I know it'll only get me trouble. I have a personalized prepaid credit card to book with, because I know you can buy airline tickets with it, but I'm not sure about the hotel. The site says a credit card must be issued at check in. It has my name and I have my ID. Do you think I can do this or will I run into a problem at a hotel? I really don't want my vacation screwed up! I'm planning to pay every other trip expense with cash. Thanks for any help!Also, what about the incidental charges? I don't know how much they are where I'm looking but its all so confusing. So lets say, for example, my total cost for x amount of nights is $600. Do I have to have like $1200 to cover it?um, that's why I said I had more than enough to cover it. I don't care how much it costs, I just want to know if I'll get hassled trying to check in. Not worried about expenses, just worried about not being able to check in and be stranded! more

Voting Question: How much should a 21 year old have in savings?

I know this is highly individual, but here are some quick details -Do not pay for my own college -No bills other than my own personal credit card -About 1500 in savings, and 1500 in checkings. -Make about 1200 a month -Graduating college soon to go to medical school. I am not cheap but neither am I wasteful. Since I am planning to become a doctor making 6 figures, I am scared I am wasting my time saving this money since its a small salary compared to physicians, when I could be living life a little more freely. Thank you! more

Resolved Question: After marriage, is it possible to have separate property in legal terms?

I have a lot of credit card debt... well maybe not a lot compared to some people, but I think it's a lot. Most of it is due to a "universal default" interest rate that went across ALL my cards when I paid ONE card one day late a few years ago. But that's another story... The reason I'm mentioning this is because I've been thinking about the implications of debt on a spouse in the future. I don't want my debt to be a burden to someone else, and paying it all off anytime in the near future isn't doable at all... I know that in most cases, property people aquire after marriage... such as a home, or land, or car, or whatever... is considered as belonging to both people, and thus is also considered by any debt collector in the process of going after payments... I would not have an issue with allowing property to all be in a spouse's name... such as... house, car, land, etc... being in his name. I would not marry someone who I didn't trust that much anyway... who I didn't trust to use what he is blessed with to also care about me... But is it possible... in the eyes of the law... to be married and also have property be considered only his (and thus not considered for the payment of debts)? I know this varies by state and some states are "community property" states. I live in Missouri, and this is not a community property state... but I still am not sure how it would work or if it's possible to really have him aquire property and have it not be considered part of "my" property as well... Can anyone offer any insight on this? more

Resolved Question: Want to understand the Federal Budget as a Household budget? We are in deep trouble!?

federal government will take in $2.173 trillion in 2011. That’s their income, and it sounds pretty good. Until, that is, you factor in that the federal government will spend $3.818 trillion during the year.Altogether, the government has $14.2 trillion in debt. What would happen if John Q. Public and his wife called my show with these kinds of numbers? Here’s how their financial situation would stack up: If their household income was $55,000 per year, they’d actually be spending $96,500— $41,500 more than they made! That means they’re spending 175% of their annual income! So, in 2011 they’d add $41,500 of debt to their current credit card debt of $366,000! What’s the first step to get out of debt? Stop overspending! You can’t borrow your way out of debt, whether you’re a typical American family or the entire U.S. government. At some point, you’ve got to say, “Enough is enough!” and make the hard cuts necessary to win over the long haul. http://www.daveramsey.com/article/federal-budget-vs-household-budget-how-do-they-compare/lifeandmoney_budgeting/?ectid=1105cnlextra_4 more

Resolved Question: Best way to finance car that costs less than 5000 dollars in usa?

I've been looking at auto loans lately and I've noticed that most of the banking places I've dealt with require at least $7500 for an auto loan for a car that's less then 7 years old and has less than 70k or 80k miles. There are reasonable used vehicles that go from A to B in the market for less than 5000 dollars, but I do not know how to acquire financing to buy one? One option is to use a credit card cash advance, but that has a crazy interest rate compared to normal auto loans. The option of saving until I can buy a used car with cash means I will continue to have to live close to my work place and pay extra in rent for being close to a university for the next three years. Spending enough (7500 or more) to qualify for a normal bank auto loan also seems like a bad idea. more

Voting Question: Why did I get declined for my credit card?

I'm 18, have my own phone bill, gym, stuff like that, and a source of income (job). I applied and they said this..... Why we're writing you Thank you for applying for the Citi(R) Dividend Visa(R) account. Unfortunately, we are unable to approve your request for the account at this time because of the following: o Your total credit obligations, which include outstanding credit lines, are too high to meet our approval guidelines, when compared to your stated income. WTF does that mean? Thanks!! more

Resolved Question: i cant stop spending money why?

every time i go out to my courses to voluntary work in the town centre....i have to buy food like anything even if its a packet of crisps, , or a cream cake and drink, i just have a habit to have something to eat whilst im sitting on the bus and every month i spend more than £40 on things in primark, magazines, toiletries from boots or other shops....etc!!! is it comfort eating? i use to get bullied in high school and my little sister argues with me a lot sometimes i do suffer from depression, i am on fluoxetine for my depression went to see a psychologist through my GP and she has said i have symptoms of ADHD....i am also very overweight but since last december i have been losing the weight instead of putting it on..... i am losing it slowly and have lost 10 pounds so far....the doctor says that we need to get 1 problem sorted first like my weight and depression and then we will look at your ADHD and test you. my mind does change a lot and i do find it hard to concentrate.... i hate it sometimes my psychologist called it the butterfly mind....that's how it feels jumping from place to place....cant stick or decide on one thing!!! i hardly have any friends.....i don't have much compared to the rest of my siblings...is it becuase people may not like me? worst part is i have used my dads credit card and took money from there a couple of times late last year and this year becuase i am unemployed at the moment! i have tried many diets...nothing works just cutting out the crap and eating right....also does anyone know any foods that help mental health.... help me please...... more

Resolved Question: My parents are fighting?

My family is having troubles with money and my dad hasn't gotten a good job- he's a landscaper- for years. We've ran out of savings to meet our bills and naturally tension is very high in our house. Well, turns out tonight my father visited a strip club and that made my mom snap. She started to compare him to other fathers of some of my friends, and cussing him out and throwing things and accusing him of lying. She told him to get out and I don't know if she's serious. She also yelled about how she's trying to save every penny while he just uses the credit card recklessly. They have fights every month or so and they're always explosive. I guess what I'm trying to ask is, what should I do to cope? Its really stressing me out and I afraid of divorce. Also, what could I do to help out the situation my family is in? I'm almost 14, so is there any after school jobs I could get or anything else? If you have any other tips that would be extremely helpful. Thank you in advance. more

Resolved Question: Please help with my College ACT interview.?

need to do this interview for class and dont know anyone in college. If you could please answer these q's that would be so amazing. It's due tomorrow :/ it looks like there is a lot of questions but they can be answered with a few words. Name of school: Number of credits your taking: names of your classes: where you live (campus..home?) something interesting about college: best thing about college: worst thing: describe typical day: what kind of work do you do for a grade: what is your major: how did you pick your classes and did you get what you want: whats your hardest class: how is your grade determined, papers? midterms? what is your easiest class? what is your biggest challenge how long in general are your essays how much reading per night do you do how many hours of studying a week do you do what are studentslike in your classes what is a typical class day like what do you do to "stand out" in your classes? what research did you do in deciding what college to attend? what would of you done different in HS to prepare you for college how much was the check you had to write of tuition, room, board all together: how are you paying for college? what are your profs like? have you ever talked to a prof individually? what classes do you wish you would of taken in HS that you didn't tell me something you didn't excpect in college and have to deal with: describe difficulty compared to HS if living on campus what is your roomate like what is the food like what is dorm life like what can you do in your spare time about how much debt will you be in when your done do you have credit cards, what do you use them for how did you save money for scholorships? did u work, grants, loans, scholarships? Thankyou! Please someone help me lol I will be so thankful you have NO idea!!!!!!!!!!!!!!!!!! more

Resolved Question: If you're a student in college can you please help me answer some questions for class? PLEASE I'M DESPERATE :p?

I need to do this interview for class and dont know anyone in college. If you could please answer these q's that would be so amazing. It's due tomorrow :/ it looks like there is a lot of questions but they can be answered with a few words. Name of school: Number of credits your taking: names of your classes: where you live (campus..home?) something interesting about college: best thing about college: worst thing: describe typical day: what kind of work do you do for a grade: what is your major: how did you pick your classes and did you get what you want: whats your hardest class: how is your grade determined, papers? midterms? what is your easiest class? what is your biggest challenge how long in general are your essays how much reading per night do you do how many hours of studying a week do you do what are studentslike in your classes what is a typical class day like what do you do to "stand out" in your classes? what research did you do in deciding what college to attend? what would of you done different in HS to prepare you for college how much was the check you had to write of tuition, room, board all together: how are you paying for college? what are your profs like? have you ever talked to a prof individually? what classes do you wish you would of taken in HS that you didn't tell me something you didn't excpect in college and have to deal with: describe difficulty compared to HS if living on campus what is your roomate like what is the food like what is dorm life like what can you do in your spare time about how much debt will you be in when your done do you have credit cards, what do you use them for how did you save money for scholorships? did u work, grants, loans, scholarships? Thankyou! Please someone help me lol I will be so thankful you have NO idea!!!!!!!!!!!!!!!!!! more

Resolved Question: has anybody ever delt with loan solutions?

i have recentley made any enquiry for a personal loan to clear credit cards i have. i have already been conned, robbed and decieved in the worst possible way by a company called CASH FINANCE DIRECT ANY BODY OUT THERE WHO NEEDS OR MIGHT EVER NEED A LOAN PLEASE BEWARE OF CASH FINANCE DIRECT........!!!! After my experience with cash finance direct i have now been contacted by a company called loan solutions ltd who deal with people in a different way COMPARED TO CASH FINANCE DIRECT though they do a similar package loan solutions claim they have a lender ready and have my loan ready for me but need me to make a payment of £69.00 for the handling fee so they can then send out some paperwork to me by post which i must then sign and return to them asap only then would they be able to release me my loan funds i have been warned not to pay them anything i was wondering if anybody has ever delt with this loan solutions company or has had any sort of experience with them as i just find it hard to take in how they are the only company other then CASH FINANCE DIRECT who are willing to help me but not until i pay them £69.00 first is there anybody who can help me with some feedback on loan solutions??? more

Resolved Question: How to settle my 2nd mortgage?

Im in a Ch13 BK right now which has become all but useless. I originally filed to save my house and repay the arrearages on my first and second mortgages which were fairly significant. In addition to that, I had some other priority debt like tax debt and legal judgements so I was in pretty deep over my head. Compared to most folks, my unsecured debt was pretty light- auto lease, less than $10k in credit cards, few other obligations. I filed in Sept 2010 so Im just about a year and a half into the plan paying $775 a month to the Trustee. At this point, almost all of my priority debt is either treated or paid. The judgements have been paid, and Bank of America offered me a mod on my first mortgage, leaving the tax debt. The IRS decided to get creative and pursued my wife for our owed debt becuase we filed jointly, and I didnt add her as a party to my Ch13 petition. Whether that was bad legal advice or my failure to read the fine print, you decide. I had to enter a payment agreement with them to keep them from levying my wife's wages and Im still paying out to them through my trustee. I need to verify where I stand in my status of case but Im fairly confident that all of my priority debt has now been paid with the exception of the IRS. I dont see the point of paying them twice each month if all that's left in my Ch13 is unsecured debt. I'd rather switch to a 7, keep my $775, and pay the IRS a little quicker. Im expecting a refund this year and that will obviously go towards paying my IRS debt which Im showing to be around $3900. The balance which doesnt get paid by my refund I can redirect the $775 I was paying the trustee and wipe it out fairly quickly. That way I can get my discharge and save the $20,000 or so dollars I'd be paying out over the next 2 years to the Trustee. If that weren't incentive enough, my wife and I are trying to adopt so if we were to continue with the 13 we'd be forfeiting any future refund we'd get with the Adoption Tax Credit while under the plan. The only hitch is my second mortgage. My attorney filed a lien strip motion to have it treated as unsecure debt but that's contingent on completing my plan and receiving a Ch13 discharge. At this point I dont see paying out 20 grand in addition to what could be a sizeable future refund based on the Adoption Tax Credits on a what was a $43k mortgage note. B of A sold the second to Realtime Resolutions who have told me that they can either modify the principal amount and collect payments or I can settle at about 15 cents on the dollar. While I'd love to write a check and make them go away, I dont have the cash and their contention is that they wont make payment arrangements on a reduced principal amount. I dont want to go back to being a slave to this 2nd mortgage (when Im still underwater on the 1st) but the Ch13 plan seems like chasing good money after bad at this point. Anyone who has ever adopted knows how hard it is and Ive come too far to put it on the shelf now. My question is, whats the smartest way to negotaite a settlement on the second? Ive heard of people just ignoring the second for an extended period but Im not willing to take a chance on another judgement or garnishement. Will a company like RTR reduce the principal amount? Just looking for some insight here before I completely commit to rolling my Ch13 to a Ch7. more

Resolved Question: Am I eligible to declare myself as an independent?

So, i'm 21 years old. I make maybe 150-400 a week babysitting depends how many hours I work. So, I pay ALL my bills (phone, car payment, medical debt, tuition, books, food, etc..) and my parents pay 1/4th of my car payment, my whole car insurance, and medical insurance, some food, and shelter. I know they pay a lot, but my expenses are ridiculously high especially since they can't contribute to any of my medical debt (I've paid 1k for it this year on what my insurance did not cover), car payment of 250 a month, phone bill $60 a month, credit cards, 500$ on books, and I have received 7k in tuition loans. Now, there is only so much a dependent student can get for the year and my parents refuse to participate funding for my college, I am wanting to be independent so I can get grants because I feel as if I am very poor compared to my parents (Previous years I've made 5k - 25k yearly ) where they make 100k. So, the fed gov refuses to give me anymore because of their income, however, they don't even want to help with books and at the same time, want to get a tax break off me. Even with the amount they help, it's very hard to struggle with all my expenses. What am I able to do about this? I'd say I pay 50% or more of my bills, but my father doesnt care..he's going to file me as a dependent anyway. more

Resolved Question: Are the conditions for arab terrorists in Israeli jails better than the conditions of the Turkish hotels?

Now the draft about making the conditions for arab bandits kept in Israeli jails for murdering Jewish children and women harsher is under scrutiny of the Jewish Parliament commission - and under the attack of the Left- wingers who are foaming about the "violation of the human rights" - of murderers of course, not of their victims. Below you will find the main proposals of this draft - compared to the curent conditions the State of Israel provides to the people guilty of murdering the citizens of this State. 1 Replacing 9% - fat cheese for breakfast with 5%- fat. (currently, the Arab bandits enjoy the best 9% -fat cheese ) 2- limiting free access to food, portions will be issued on duty in the kitchen (currently, the Arab bandits may eat as much as they wish, 24 hours a day). 3-Limiting Internet use up to 4 hours per day (currently, the Arab bandits have the access to Internet 12 hours a day). 4-Air conditions should be connected only on the particularly hot days Currrently, it´s 24 hours a day, free or cold depending on the weather) 5-Turn off the satellite TV ,only the Israeli channels will be received on the antenna. (currently, the Arab bandits have the satellite TV in Arabic, English, French, Turkish languages) 6- Reduction of severance pay when exiting the prison(currently, the Arab bandits get the payment equal to the average wage in Israel) . 7 Limitation of visits relatives(currently, it is 7 visits a month). 8-Limitation on purchase the products outside the prison with the delivery to the cell (payment by credit card) - only 400 NIS. per month. (Excluding tobacco). (currently, it´s unlimited) 9 Use of mobiles during the daytime only(currently, the Arab bandits can use the mobile phones 18 hours a day. 10-Prohibition of delivery of the foreign press(currently, the “poor terrorists” get the foreign newspapers on demand, free of charge of course). Poor palestinian prisoners" have already written to the Committee of Human Rights of the UN about the brutal tortures the Zionists want to expose them to with this bill. P.S. I ´ve been in many Turkish hotels and in quite a lot of them the conditions are not even 50% as good as the conditions Israel provides to the low scum who murdered Jewish chidlren. Maybe Israel should offer Turkey to host the arab bandits in their hotels, with Israel paying for this? For Israel it would be cheaper, Turkey would be happy because it would increase improve the situation for many of the half- empty Turkish hotels, and the terrorists would be kept in worse conditions.Dan Dan, I had the same idea, but when I tried to make a reservation in some Israeli jail, I met a with a problem; there was not a SINGLE VACANT CELL!!! An absolute overbooking! The Administration of Jails informed me that arabs reserved all the cells at least 3 years from now, even in the "low season". Just imagine! more

Resolved Question: Do I ask my boyfriend for the money he owes me?

Over the holidays my bf had planned to go out to a great place for dinner for weeks. He wanted to take me to this place for a long time. Now, first off,he always takes me out and treats me great. That night he had left his credit card at work and I ended up footing the bill-$600. I am still a student with a loan, him, makes a lot of money. We used my card, then went by his work to get his card, and he said he would give me the cash. It has been a month and I mentioned it tohim once he said he would give it to me. I honestly didn't have enought to pay my school bill this month and am stuck with this ridiculous dinner bill. What bothers me is that he didn't think of having the cash ready for me right away (not even a month later). He has never borrowed money before, but compared to him, I am broke and make 1/10 of what he does, plus a lot younger. more

Resolved Question: How to deal with my boyfreinds evil younger sister?

My boyfreind of 2 years has a horrible younger sister. we are in our twenties and she is 2 years younger than us. Since day one she hasn't liked me because she was more attached to his ex.. I can kind of understand that cz if my brother got a new gf it would take a while to adjust to the new one.. but surely after 2 years she would have become used to the fact that i've been around a while, and going to stick around a lot longer than she would like. She has always tried to exclude me by suggesting "family only" trips, weekends, dinners, outings, everything. She even went as far as telling me to leave and go home because they were going to have a family dinner and i wasn't allowed to be there. She always talks about family only things infront of me, almost like shes trying to rub it in that im not considered family and i wont be included. Im sure if she had a bf it would be different. She claims that i have pushed all his friends away (not true), that ive changed him, in a bad way, and that hes sees too much of me and shes getting sick of me being at his house. We would move out together if we could afford to but its not an option at the moment.. recently we all went away together, and she was so horrible to me that I went home a week early because I couldnt handle any more of her manipulative behaviour, and constant abuse. and now she hasnt spoken to me since. she ignores me when ever we are in the same room together, and told her brother( my bf) that im the problem, and if i didnt have such a "tone" she wouldnt be so mean. I have been having a hard enough time at home with my parents and so have been relying on my bf for support. she is now saying that shes sick of me compaining and being upset, and that im just after attention and sympathy from his family. She has no idea what its like to have real problems in life because her mother worshipps the ground she walks on. she is incerdibly spoilt and never worked a full day in her life. she still doesnt work, insisting shes too busy, plus she gets $200 a week from her parents and unlimited use of daddys credit card so why would she work?? Im not jealous of her life of luxury, since i got my first job at 14 iv had to pay for everything myself.. it sucks compared to her siutaion but atleast i appreciate the money I have, and work hard to support myself. and atleast im not a spoilt brat. I have supported her countless times when my bf has been mean to her, which has caused some problems in my relationship, but im sticking up for what i feel is right and sometimes he is a bit hard on her. But she just doesnt appreciate any help or support i have given her. Bascally its horrible being around her because she is either insulting me or ignoring me and i dont know how to deal with her. I cant confront her because then she will turn their parents against me because she is so manipulative. she will twist every word i say, or just lie, to make me sound like the bad guy. My bf has already tried to talk to her but she just deflected everything off her and put all the blame on me. I know she wants me out but unfortunately for her im going to be around a lot longer than she would like. more

Voting Question: How do I find out my savings account interest?

We have 2 savings accounts and I am trying to figure out which one has the better interest rate. When i have a credit card account, I simply pull up the statement and the interest or APR is clearly listed on there. Well, with my savings statement it shows an APY, but it varies every month (I guess it depends on the amount of money that's on the account maybe?) How do I find out the set interest percentage so that I can compare between the two accounts? Thanks more

Resolved Question: disputing a credit card charge ruined my credit score what to do?

it is mastercard. march 2011 I disputed a charge for $300. I submited my letter and evidence. They got back to me it went sort of slow compared to disputing visa charges. They refunded me in June but they said it was temporary and the company would have their chance to decline the refund. Mastercard told me to call them to ask personally (which I had already dont). In November the company denied the refund and the charge was put back on my card. I called mastercard and they said that the 180 days of dispute had past and I cant get refunded. I sent them another fax requesting to talk to a supervisor which they never responded it. I had perfect credit before this, because I didnt pay back the money in dispute (which by law I dont have to do) my credit is now very low. I never missed a payment or even made minimum payments ever in my life. to sum it up: what do I do now? if I pay they back the $300 and demand they refund me all the various late fees, they have little incentive to fix my credit. How do I make them fix my credit BEFORE i pay? thanks more

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