Archive for January, 2010

How can you check your credit card history?

2010-01-26

I bought a xbox 360 for my nephew for his birthday in may(2009). After a month, something happened to it and he lost the receipt to get it fix. So I was hoping to check my credit card history to print the date of when I got it and show the store that I bought the 360 instead of showing them the receipt. So how can I check my credit card history.


Answer:If you have an online account with the credit card statement, you can view your past statements through your online. account.

Answer:You can ask your credit card company for a duplicate statement. They may charge you for the statement. But the statement may not be enough. The statement will only show that you made a purchase for $x total at that store. It won't show the details of what your purchased.

By the way, May 2009 isn't even a year. You really should keep your credit card statements for 2 or 3 years.


Answer:Phone your credit card company for a duplicate statement showing that item. You asked for a credit card history which comes from a credit bureau but that is not what your question is asking for.

Answer:Many credit card companies have your bills for the last 12 months (or longer) on their websites. Try that option first. If not, then call your credit card company and ask them to send you a duplicate copy of your bill.

Answer:It will not do you any good as the credit card statement will not specify what was bought, just the total spent.

Help me! about online shopping?

2010-01-26

I received this mail:

Hello

I got your order from our website, the total cost is 143USD, including shipping to USA by EMS.

We will ship to you when receive the payment. We accept payment through western union, moneygram and bank wire. Our payment information is on the website, any further info please feels free to let us know.

If you would like to proceed with this order, please get back to us.

Thanks

anny

At this point, has deal been concluded?


Answer:Only accepting payment by wire raises a BIG red flag, if there's time, think twice about sending them money. Companies either have too bad a credit record or a shady history to get merchant account required to process credit cards, or they are something like a Nigerian working out of an internet coffee who wants to be untraceable after not delivering.

Research the company, put the web site name in a search engine, look for complaints in the results, also search: thebusinessname.com scam, you can also search for the phone number given on their contact page for other businesses run by the same people.

You can try to lookup the owner through the domain name registration 'whois'

http://www.networksolutions.com/whois/in…


Answer:This has scam written all over it. Do not wire transfer the money. This just does not seem like a legitimate company to me/

How much does it cost to live in a 1 bedroom flat with 2 people?

2010-01-26

Im 19 years old and currently live with my parents. Me and my girlfriend want to move into a 1 bedroom flat together in Edinburgh somewhere.

I have no idea about finances when it comes to living away from my parents.

I was just wondering if anyone can tell me an estimate of how much everything would cost per month.

I would need to know the cost of the following..

Electricity

Gas

Water

Council Tax

TV License

Phone bills (roughly)

Food

Insurance

I know roughly how much i am looking at for rent. I dont drive so dont need to worry about car money.

Any help is much appreciated. Thanks for all you help in advance.


Answer:Here is mine: 2 People. (it will depend on personal usage AND what tariff your on. I have duel fuel with EDF so get a discount on gas, pay using a payment card plan and not direct debit so don't get bank charges or different amounts coming out. I pay a standard amount each month on a set date and give in gas metre readings online so I can keep an eye on usage and our bills are based on what we use rather than estimated. I use energy efficient light bulbs, keep heat on a lower temp for longer and use heavy curtains)

Elec £20 -£30 a month (pay as you go elec metre)

Gas £10 in summer and £20 – £30 in winter

Water was £15 and now £20

Council tax depends on area and rating on flat (mine is £100 a month for my two bed)

Tv Licence £12

BT landline is £12.50 a month plus around £5 of calls. I budget £20 a month

Internet £7.50 a month as I am an O2 customer.

Food is about £50 a week so £200 a month for two of us, but that doesn't inc laundry, toiletries or cleaning products (this depends on personal usage as well, plus depends on what your girlfriend will need or use lol)

Contents insurance is £21 a month with the Co-op.

It's always best to shop around to get a good deal and don't forget when you first move into a place, your bills could be higher because they won't have any previous readings and they base bills on an average use for your household. You can get bills down after around 6 months and giving in reading helps a lot!

EDIT don't forget that the above is split between two people, which does help!

My rent is about £700 a month and in total we used to pay £550 – £600 each per month and that was for all rent and all bills inc food which would leave about £500 each for everything else. It's not tight when you share with another and live within your means


Answer:Im single and these are currently my bills = average (remember this is mine and can be different to yours):

Mortgage: £255 (currently)

Water – £30.35 (not on a meter)

Council Tax – £70 (I get 25% discount living alone)

Gas – £32

Electric – £18

Phone and Broadband – £15.50

TV Licence – £12

Food – £65

Insurance (building and insurance) – £25


Answer:well, it obviously depends on your monthly rent, but say about £500pm, £200 for all the bills, £200 for food.. thats how i mange.. its a bit tight but its worth it!

Answer:£475 rent per month, what about bus/taxi/train fares, clothing, washing cleaning etc etc.

I signed a contract to a house but havent paid the earnest money yet. How can I get out of it?

2010-01-26

idk nd idc sorry theres ur anwer


Answer:It depends on the terms of your contract. You are going to have to review it and see what you can do to void the contract.

Answer:You can't…well you can, but it's going to cost you.

Should i buy gold or gold stocks?

2010-01-26

i live in canada

im not sure of what investment is better between gold bars and gold stocks

im confused

some pls help me and maybe tell me a bit about them both nd the differences


Answer:With gold itself you have something in hand that provided it does not get stolen, which it might, you have. With gold mining stocks, you have an interest in the company earnings. Some companies such as ABX, the investment is sound but will probably not make you rich. With some more higher cost producers, if the price of gold increases their earning might go up drastically. As many investors are finding out, not all managements are all that honest with their employers–shareholder. They lie, they steal, and the cheat. That is a big problem with investing in gold mining companies and others too for that matter.

There are mutual funds that you can invest in that hold both the gold and the gold mining shares. The same however might also be said for their managements also.


Answer:Rule # 1 of precious metals investing is to ALWAYS take physical possesion of any gold or silver that you buy.. The reason for this is because if you buy gold stocks in a mining company, and the company goes bankrupt, you are out of your investment. Also, when you sell your stocks, you have to pay taxes on your money you get. Even if you lose money.

If you sell your gold bar, you won't have to pay taxes.


Answer:Gold stocks can be more volatile than owning gold itself. Suppose a gold mine typically spends $400 to pull an ounce of gold out of the ground and they can sell it for $1000. Now gold increases 10% to $1100. The gold mine's profit increased by 16.6%. But if gold goes down in price gold mining stocks will take a bigger dive than actual gold.

A gold ETF is directly tied to the price of gold. It is a form of stock that offers all the convenience and liquidity of stock trading while directly tracking gold's value.

I've included some sources that may further guide you in your investment decision.


Answer:No, you shouldn't. Buying either twenty-five years ago and then SELLING them now would have made sense, but since the year 1550, every time the (inflation-corrected) price of gold has gotten this far out of wack, the price has adjusted back to its long-term mean of around $310 an ounce…unless you have reason to believe something is different about human greed & economics today than it has been for the last 500 years(!), then clearly the chances are far higher gold is going down rather than up, it's a bubble, don't get caught out!

(Study this graph carefully….the last time gold was over $1,000 an ounce and "corrected", it took 430 years to recover its value!)

What are bonds????? I dont get it!?

2010-01-26

I dont get it! Are they better then shares? whats the risk?


Answer:They are a different thing from stocks altogether, neither better nor worse, but suited to different needs; when you own stock in a company, it's like owning a little "piece" of that business…if it makes good profits, it either shares them with you as a shareholder (in the form of a dividend payment), or reinvests those profits, pushing the share price up and subsequently the value of your initial investment.

A bond is simply a certificate proving you have loaned money to a company in return for a promise of an interest payment at some point in the future; bonds usually have a fixed "yield" at a particular point in time, so behave far more predictably as a source of income for investors. Typically (though certainly not always), bonds are "safer" than stocks and return a lower overall yield…


Answer:Bonds represent debt. A company or a government will issue bonds in order to raise money.

Most bonds pay interest in the form of "coupon" payments, the word coupon being a throwback to the days when bonds were issued as actual paper documents and literally had coupons the holder would tear off and turn in to the issuer periodically for payment of interest. Bonds are issued with a specific maturity date, that being the date on which the issuer will redeem them for their face value. Bonds do NOT have a "fixed yield". Yield is a figure arrived at by a mathematical calculation of interest rate divided by price. It takes into account the current value of a bond, its coupon payment, the length of time to maturity and its par value. Yield can fluctuate and does all the time. Coupon rate does not.

The overwhelming majority of bonds issued in the USA have a "Par" or face value of $1,000.00. Once issued, bonds can be traded amongst interested parties and the price can fluctuate based on numerous factors, including the length of time until maturity, the credit worthiness of the issuer and the trends in interest rates in general. Bonds can trade at a discount to their par or at a premium to it (meaning simply more or less than $1000)

Bonds are generally seen as having less risk than stocks because they have a specific maturity date, their redemption value is known and their coupon rate is generally fixed at issuance. Also, bond holders are among the first in line to be paid if the issuer goes bankrupt.

Their credit is rated on a scale using letters and numbers ("AAA" or "B2", etc) and these ratings are provided by ratings firms who specialize in this business. Two of the most well known and widest used ratings firms are Moody's Investors Service and Standard and Poors.

There are many different types of bonds, from senior debt to subordinated debentures to convertible preferreds.


Answer:Bonds are basically a piece of paper that says "Buy this now. I'll pay you interest as you hold onto it, until the time on it is up, at that time I buy it back." Another way it could work is "buy this now and it'll worth more in the future".

It implies no "ownership", unlike stock shares. It's just an I-owe-you (or IOU, if you insist).

The risk is the issuer cannot buy them back or continue to pay interest.

What career is for me?

2010-01-26

i like electronics very much. i love going through them and checking out all the little thing they put in them. like game, and all the settings and stuff like that. i would like to help make them. or sell them, or something. i love ipods, mp3s, digital cameras, portable games, and stuff like that. please help.


Answer:Sounds like Computer and Electronics engineering will best suite you

Where should i put my 401k?

2010-01-26

i live in indiana. in a few months i'm quitting my factory job of 32 yrs and going to groom dogs full time. i'd like to know where i should put my 401k acct. i will be adding to it every month. appreciate any help on this.


Answer:Most people in your circumstances will be better off rolling the 401k funds into a 'Rollover IRA'. If you do it correctly, you will not owe any taxes on the rollover. If you contact one of the major fund companies — like Vanguard, Fidelity, T Rowe Price — they will be happy to arrange the rollover IRA. The advantages of doing this are that you have more choices, more control, and if your previous employer goes belly-up or is badly run, you won't have to worry about where your paperwork is.

In your new career, you will have other choices similar to your previous 401k. Depending on your income and how you set up your business, you may be eligible to start a new Solo 401k or similar program. If not, you will probably be eligible for contributions to a regular IRA or a Roth IRA. However, for simplicity's sake, you'd want to keep the new retirement contributions separate from your rollover IRA (even if you could, it might make your paperwork much more complicated — much simpler not to commingle the funds; keep them separate).


Answer:If this is a 401(k) account that is associated with your current (factory) job, you will not be able to add to it after you leave that company.

You will most likely be able to do one of these things:

1. Cash it out (not recommended, unless you are over 59.5)

2. Leave it where it is (assuming the investment options are good)

3. Roll over to a qualified account such as an IRA

With out knowing in the investment options of the 401(k) it is hard to say if it is a good idea to leave it there or not.


Answer:Well, despite the fact that my e-mail address is American, I am living in Canada but, can answer your question to some degree. Your 40lK is the same as our RRSP PLANS AS FAR AS i KNOW, WHEREIN YOU DEPOSIT FUNDS TO THESE ACCOUNTS TO SAVE FOR YOUR RETIRMENT. Quite frankly, the Governments of both our countries penalize us with taxes every way that they can. I personally do not feel it fair for the Governments to tax us on interest we may make on our 40lK or RRSP, however that is not the case.

It would be my best advise that you consider placing your monies in a reliable stock or, in gold where you are not taxed. You should find a good accountant, talk to someone about gold investment. It is very high right now but, some say it will go to $5,,000.00 per ounce. Another option it to take a look at UBS which is a Swiss bank and have someone from there speak with you about investing. It has long been known that Switzerland, the Isle of Mann and several others wishing to avoid tax on investments invest there.


Answer:You need to decide what is more important to you, instant access to the money or earning a higher rate of interest. If it is the earlier one then find an instant access account with the best possible interest rate out there. If it is the latter then look at different bonds. Or of course you can do a combination of both.

Answer:You cannot continue to contribute to a 401(k) plan once you terminate employment. You should roll it over into an IRA. However, this is not the place to get informed investment advice. If you don't feel qualified to select your own investments, contact a legitimate financial adviser.

Answer:If you are under 59 1/2 I think you will pay 20 per cent tax on it if you close the account and 10 per cent if you are under 70. I am not an expert but you should check with the IRS. You cannot add to it because you are no longer employed. It is for employer-employee contributions only.

Answer:In a safe in your house. Add to it manually.

What kind of careers can one have working for the Department of Homeland Security ?

2010-01-26

Im going to major in Criminology and Policy when i attend Northeastern University, but i want to know what are the requirements to work for Homeland Security ? I want to do something Federal. Thank you


Answer:Torturing prisoners in Gitmo.

Has anyone had any luck recently using a profession resume service?

2010-01-26

I am curious if anyone here was using their own written resume, then decided to use a professional resume service and did you get different results in your job search?

I am reluctant to spend $500 to get a resume written when it might not matter with the number of people looking for an job right now.

Any suggestions are appreciated!


Answer:The professional resume writer can put no more into a resume than you can yourself.

They don't bring any better results as to a job offer than one you write yourself.

Save your money – write your own just make it nice and presentable –

Found a house I want to rent.. now what?

2010-01-26

I've spotted a place I want to rent, how long will it take me to get in there and what is my next step? (first time renting) thank you.


Answer:Well you gotta contact the landlord. You really should book a viewing with them before you just jump into it.

Their number should be on a poster on the window for the flat that is up for rent… Or outside. Once you contact them they will be able to tell you all about the place and how much it costs etc. I dont think i can tell you much more than that. Make sure you have enough money to get started out – See if its fully furnished cos that really helps. Also be prepared for a deposit and sometimes the first month up front so it can be a pretty tight month!

Stu

xxx


Answer:Hiya, My Fiance and i have just done the same.

First when you find the place you want, secure it fast with the credit check money, this stops others from viewing the place and placing offers down. If you pass this credit check it will be about 2 weeks before you get in there. it usually only takes 2 days for the check.

What job can i get as a 15 year old?

2010-01-26

So this summer i'm going to be turning 15 and really want to get a job so i can buy a car in a few years. So what stores will hire you as a 15 year old anyways?

Note: I don't want to work at any fastfood places


Answer:kroger is one umm.. depending on where you are from you could babysit (huge money there) you could always put an add up on your local craigslist that you are willing to do odd jobs for money.

look on snag a job .com

i hope this helps happy hunting!


Answer:Chances are, youre going to be working the next 40 years of your life. You shouldnt rush into it.

A lot of stores cannot hire under 16 purely because of insurance reasons, even with a work permit.

I would recommend cutting grass, begging parents for compensation for hardworking chores, work at a summer camp, ( most you have to be 4 years older than the oldest camp group), and pet sitting. In the mean time, build up some leadership experience by participating heavily in school.


Answer:I know how you feel cause i am turning 15 too. I just got a job in a bicycle shop fixing bikes. Definitely a possibility. Also before that, i was working with four elderly people on my street. I was their handyman and did all the stuff they needed done outside like clean the roof, paint the house, it really paid off and i got 40 bucks per person per visit. Be careful though to make sure that the people you work for are safe because something could happen that might endanger you.

Answer:welll in my town we have a local newspaper where you can work delivering newspapers..so maybe that? and you could possibly work as like dishwasher or something at a local restaurant (:

Answer:I think chic filla used to hire at 15. But the best money for the Time for me when I was too young to get a job was cutting grass actually. It's good money because everyone hates cutting grass haha

Answer:… fast food would be the easiest thing to get in to at your age…

but, depending on where you live, some places let you be a bagger at grocery stores at age 15


Answer:paper route/fast food joint/mow lawns/clean out basements or garages/painting !!

Answer:Well you could try working at a music shop that sells music :P Obviously

When Using an automated atm to deposit a check, can You still do the same thing with cash?

2010-01-26

Like When You take the envelope to put your check inside and slide it in the machine, can you put cash in the envelope as well and send it off through the machine too? and will it be in the account the next day?


Answer:Yes, you may deposit cash, but no coins! – Your receipt will be proof of your deposit. If you miscounted the money, the bank will mail you a letter stating that you made a mistake in math, and show the correct deposit amount.

Answer:Mike: If ONE of the tellers is a crook, the SECOND teller and the 4 or more cameras will keep them honest. I still don't trust ATMs for deposits, but your scenario is not going to happen.

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Answer:It is NEVER a good idea to put cash in the envelope because if the person opening the envelopes takes the cash and reports there was no cash, what proof do you have that you put cash in ? Some people put only a deposit slip in with NO CASH, and claim there was cash, so it works both ways. NEVER DO THIS. With a check, there is always a paper trail.

Answer:Yes you can

If I send parcel by usps STANDARD mail, do I get Label/Receipt Number(tracking id)?

2010-01-26

Here's the webpage at usps.com that seems to answer your questioin.

http://www.usps.com/shipping/deliverycon…

As I read it, your parcel must weigh less than 16oz to qualify, and you must pay the electronic fee, which I think is when you print out your labels using special software supported by USPS.

Is it possible if a mall was playing music it would be a subliminal message?

2010-01-26

Is it possible if a mall was playing music it would be a subliminal message. Example if it was a subliminal message in a mall telling you to get your nails done and ears pierced would it work


Answer:it could. i don't think malls use music for subliminal messages so much as moods. you can totally get the mood of a store by the music they play. i think advertising would be a more effective way to get people to do stuff, like get your nails done or ears pierced as you said.

Answer:Certainly, but the academic community is at odds as to the effectivness of subliminal messages. Anytime a study is released showing that subliminal messages work, another is released saying that they don't. Plus, in some countries (like Canada) it's illegal to utilize subliminal messages.

However, music does have an influence on behavior. Restaurants, for instance, note that slow music makes people eat slower, and fast music makes them eat faster.


Answer:Yes.

Do you know money crisese and payless jobs is the government responsibilitiese?Suliman saadelnour?

2010-01-26

searching for a job is hard, especially if it's ages since you previously did it! I was jobless recently, but I uncovered the resource in the box below which is really helpful in a lot of ways. By following their tips, in a couple of weeks I soon got myself a job.

My daughter is 17 and wants to open a checking account?

2010-01-26

She got her first paycheck and wants to open up an account for a debit card. Does she have to go to my bank because she is under 18 or can she choose which bank she wants? Thanks


Answer:She can choose any bank she would like you just have to be on the checking account as well until she is 18.

Answer:She can choose any bank that will give a 17 year old a checking account. She may be stuck with just a savings that has a debit tied to it.

The thing is, no matter what type of account she gets, she will need you as a cosigner or joint owner on the account, she cannot do this by herself until she is 18.


Answer:She can choose any bank she likes, it doesn't have to be yours, but you may have to put your signature on her card till she is 18 Y.O. You should make inquiries at your local bank, call them up and talk to an executive officer.

Answer:she can go to anybank but I think to get her own account, She has to be 18, and You might have to sign whatever you need to sign for her until she is 18

answer my question here

http://answers.yahoo.com/question/index;_ylt=AjGiHjtQsLP0yzRGHj.8dBrsy6IX;_ylv=3?qid=20100116135717AASwcEv


Answer:im 16 and i have one at a different bank than my parents. you just have to go with her to set it up

Is Gross profit the same as pre tax profit?

2010-01-26

What are other names for pre tax profit?

Is Gross profit the same as pre tax profit?

Best answer will be rewarded five stars!


Answer:No.

Gross Profit is usually expressed as Revenue, less Costs of Goods Sold.

To then get to pre tax profit you need to deduct additional costs such as G&A (General and Administrative), Selling Costs, and add or subtract Other Income/Other Expense.

Iphone financial app?

2010-01-26

What is the best iphone financial app that takes the place of checkbook and budgeting? I want to be able to enter stuff on either my iphone or my desktop and sync it back and forth. Mint won't allow me to enter my own transactions.

Mint won't allow me to enter my own transactions so I don't want that one.


Answer:There are several to consider LP. I'll give you a list and then a recommendation:

- Pocketmoney (this exports to quicken or a spreadsheet)

- Cha-Ching 2.0 (this syncs with the mac desktop client)

- Spend

- Pocket Lint

- Splash Money

Splash Money is where I'd start looking. Its got a desktop client for PC and Mac. Good Luck.

John

Is Gross profit the same as pre tax profit?

2010-01-26

Is Gross profit the same as pre tax profit?

What are other names for pre tax profit?

Best answer will be rewarded five stars!


Answer:No, it is not the same

Gross profit is usually applied to a type of business such as contractor, manufacturing

It is the revenue less direct materials, direct expenses and direct labor is gross profit

Related expense and overhead deducted from gross profit is net profit

after taxes are deducted from net profit it is called.

net profit after taxes

.Not all businesses have a gross type profit nor do they need one

Is Gross profit the same as pre tax profit?

2010-01-26

Is Gross profit the same as pre tax profit?

What are other names for pre tax profit?

Best answer will be rewarded five stars!


Answer:No, it is not the same

Gross profit is usually applied to a type of business such as contractor, manufacturing

It is the revenue less direct materials, direct expenses and direct labor is gross profit

Related expense and overhead deducted from gross profit is net profit

after taxes are deducted from net profit it is called.

net profit after taxes

.Not all businesses have a gross type profit nor do they need one

How do you get to google rank #1? how do you get search engine ranking to increase in all search engines?

2010-01-26

I want to get my website on the first page of google and maybe on other search engines as well. Anyone care to show me the way?


Answer:It can be done but it'll take more than a simple answer, you need specific training.

If you're asking because you have a brick and mortar business then check to see if Gil Corner is doing one of his free webinars sometime soon (http://www.gilscorner.com/webinar). It's a complete training with actionable steps (and it doesn't cost anything so that's a plus).

For any other virtual business that's online, you'll need a different tutorial.

Basically you want to do keyword research to find out what are the search terms you want to get ranked for. You can use google's keyword research tool and microsoft's online commercial intent tool to find that out and make sure those are buying keywords. Just do a search for these tools and you'll find them.

Then I suggest you download a free tool called traffic travis that will tell you what needs to be done to your website to have it be more search engine friendly. I believe the site's at http://www.traffictravis.com

Once you've done all that, you need to constantly get backlinks to your site (links from another site to your own WITHOUT you linking back). Search for angela's backlinks and you'll find a very cheap way to do that.

There's a lot more to it but those are the steps that make all the difference.


Answer:One of the best ways of promoting a website is by writing articles and submitting them to ezines. Not only are you creating more backlinks for your site, but the readers of your articles will also view you as an expert in your field. This will give you very powerful leverage because they are far more likely to trust you, which means they are more likely to buy your affiliate products and subcribe to your RSS feed.

How to rank #1! It's rather simple really. Lots of hard work. BUT, if you have a plan, it's much easier than you think.

This great SEO technique is proven to help you get on the first page of all the major search engines such as Google, Yahoo and MSN no matter what your primary keyword is.

So, let's get started.

First of all, this isn't one of those methods that promise you that you will rank on the first page of Google within days. It will take some time, but it will be all worth it when you're raking in the big bucks.

As we all know, building quality backlinks back to your site is one of the most important things you can do to rank higher in the search engines. And that's what we will do.

We will focus on Social Bookmarking and Article & Directory submissions.

Social Bookmarking

The great thing about social bookmarking sites is that they attract search engine spiders. By having a link on the top social bookmarking sites, you can get a much higher ranking in the search engines within days as opposed to months with other methods.

Once you sign up, you need to be a little creative. Join related groups in the network and post your posts with a link back to your site. Link back to your articles and ther useful content and NOT to your affiliate pages. There are hundreds of different bookmarking sites, some better and more popular than others, but they can all build good high quality links that will bring you tons of extra traffic. Below are the top 10 bookmarking sites to get you started.

• Digg.com

• Propeller.com

• StumbleUpon.com

• Reddit.com

• Del.icio.us.com

• Newsvine.com

• Fark.com

• Blinklist.com

• Clipmarks.com

• Shoutwire.com

You can easily submit your whole site to over to 160 social and bookmark sites at once at socialposter.com

Hope this helps!

What is the advantage to a bakery owner?

2010-01-26

what would the advantage to baker in locating his business facing his competitor?

what factors would make a baker choose a certain location?

thanks in advance :)


Answer:When McDonalds opens a new franchise store they do all the demographic research and such for the best place to put the new one. Burger King knows this and they don't waste time on doing research, they piggyback onto the McDonald's by waiting to see where they go, then opening a Burger King near there.

This may be the case with the other baker–figuring the original place was well situated and by doing business nearby they piggyback on it. OR it could be that the place they moved into already was set up to meet their needs in both size and oven/cooking area. OR they just wanted to bother the other baker by trying to take half the business from them by location alone. Without talking to the owner of the second business, it's all just guesswork.


Answer:If all the bakeries are in the same place then that is where the customers go. If you put your bakery somewhere else then you have to market yourself harder. This is a reason why you see all the fast food places grouped together.

If there are 60million people in the Uk 17.5 thousand million supermarket bags are used every year.?

2010-01-26

What's the average number of bags used per person in the UK each year.


Answer:17.5 Billion supermarket bags divided by 60 million people.

= 291.6* bin bags.

* = recurring (aka. .666666666 etc).


Answer:Why not just say 17 billion 5 hundred million or 17,500,000,000? or are you asking a trick question?

Anyway average is 291.66666666666666666666666666667 rounded to nearest whole number is 292

If there are 60million people in the Uk 17.5 thousand million supermarket bags are used every year.?

2010-01-26

What's the average number of bags used per person in the UK each year.


Answer:Approximately 292 per person, per year.

[17,500,000,000 / 60,000,000]


Answer:Why not just say 17 billion 5 hundred million or 17,500,000,000? or are you asking a trick question?

Anyway average is 291.66666666666666666666666666667 rounded to nearest whole number is 292


Answer:i done it on calculator and i got 2.91666666

Incorrect tax filing?

2010-01-26

i incorrectly filed my '05 state taxes while living temporarily in another state. I made about $5000 and lived, im sure, at poverty level. i owe $250 in taxes to the state, which seems very high, given how little i made and how i had to live. this was not included in a recent bankruptcy, and now the bill i have to pay is about double. can i re-do those taxes? it just seems….incorrect!


Answer:You can amend them to be correct. Make sure you include back up. You will not receive any refunds as it is too late for that.

Answer:The amount you owe will have been increased by interest and penalties and will increase the longer you wait. You cannot "re-do" the original taxes and avoid the penalties.

Answer:What state was it?

I run PPC ads other than AdWords. How do I specifically track those ads performance as far as conversion goes?

2010-01-26

I have other PPC ad accounts. In analytics I can see how many visitors I am getting and how long they stay on the page, bounce rate etc…but I can't seem to figure out how I track how many of them turn in to sales. My account gives me overall goal conversion but says they are all coming from my shopping cart as the source. Any ideas?


Answer:Some people worry that analytics would enable to know what you are earning from your ads, and would price them proportionally. there are Ok alternatives like statCounter

Affiliate companies will pass on tracking code you can attach to clicks, allowing you to track conversion, the form is something like:

www.destination?tid=ad3site4 (tid for clickbank, sid is for CJ) ad3site4 is your secret code 8 char max

The big budget operators can use statsjunky.com which automates the tracking process to a sick degree, though again sharing results with a 3rd a party may not be for the truly paranoid.


Answer:you can use bit.ly.com to get free urls to use to track sales. Also you can get all the tools you need from Caleb Kasey to track your business. Just google him are you can go to DuplicateMySuccessSystem.com Hope this helps.

HELP?!?! craigslist i really think these are a scam but i am not sure about this one right here?

2010-01-26

posted an ad on craigslist for a job but some of them asked for credit score. are these a scam? also i got this offer: Saw your post on craigslist and hoping you are interested in working for me ? We need a house cleaner and Good Worker,who is dependable and honest,we will appreciate someone who will take care of my home even when i am not around town .

Let you know we also have a free apartment at the back of the compound, if you like to stay there,and we make a nice pay offer for you,as far as our home would always be clean,please respond with your rates.

to good to be true?


Answer:That is a ridiculous answer to your ad. Think about it. Would anyone who has not seen your resume or met you offer you all that and they probably offered a fantastic salary too. They are not real so report it to Craigslist and forget it. I have had those before. No one asks any personal or financial questions in an email without an interview first. I will bet anything they are in Nigeria.

Answer:If they want you credit score upfront = 99.99% chance it's a scam

For this apartment worker, did you talk to them on the phone? did you meet with them in person? Have you ever heard of a legitmate job that there was no interview? That's because it does not exist…


Answer:anything asking for a credit score is a scam, they lead you to their fake site where you enter all of yor persoanl info including bank name and credit cards owned and guess what, they commit identity theft, hack into your bank acct and open 10 new credit cards in your name and charge them up. These are never legit

the other job is a standard nigerian scam, if you respond theyll say they want to pay you upfront with a money order or cheque, which will be fake, asking you to send the balance to their property manager or gardener or mover. what they are doing is money laundering and illegal and you could go to prison for depositing a fake money order or cheque, there is no job. Dont agree to anything or accept money until you meet in person and make sure they even own the place, How many people do you know who live in 'compounds' unless they are part of some crazy cult, or jobs that give a free apartment to a house cleaner? Of course its a scam

What would you do if you want more money in your life but what you love to don

2010-01-26

im 22 and as a dj, you do not make a lot of money. unfortunately, i have bigger desires to becoming more wealthy in life. This conflict has caused so much stress on me because my girlfriend do not like the fact that i dj for living but i do, it just do not bring the type of money i want. i have my series 7 and 63 to become a stockbroker. however, doing this is okay and it would bring in the money i want but I'm not sure if i would be totally happy


Answer:Thats a tough question life, but part of the answer is clear to me. You need to continue to DJ. If thats what you love than don't ever quit.

What you need is a muse. If you've got the stockbroker training thats a good start. By a muse I mean it in the sense that Tim Ferriss means it in the 4 hour workweek (great book by the way and totally applicable to your situation) a muse is a simple business that can make money to fund your other activities – what you really want to be doing with your life.

Start with stocks – perhaps using Rule #1 (thats a book you can get at amazon that will explain exactly how to do it for yourself and get you excited). Start your own trading account on the side at scottrade.com and see what you can do. I'll bet you'll be pleasantly surprised.

Good luck and don't stop DJ'ing.

John

Employer/Wage Law HELP!!?

2010-01-26

I work for a corporate retail store. As employees we get paid until 9:30PM, and on average we don't leave the workplace until 9:45-10:15 in order to complete the work that the employer requires.

On top of what I stated above we are also required to drive to the bank (approximately 5-10 minutes away) to drop off the deposit. By this time it is easily 10PM-10:30PM. Considering we are not compensated for the extra time or mileage to the bank, I was wondering if there were any labor laws being broken. If so what can/should I do to fix this problem?

We do not clock in/out on a computer. We sign in and out on the payroll sheet, include the total number of hours worked, and then initial. We are told we are not allowed to sign out past 9:30.

Another question, If I were to get in an accident on the way to the bank, would my employer be responsible for these damages (since really I'm still working for them, unpaid of course).

Thanks to anyone who might have any answers!


Answer:My thought is that you log your actual hours . This becomes a workman's compensation issue if you are robbed and injured on the way to the bank . The time sheet then verifies that you were doing company business not participating in the robbery . I further think that you write the actual time that you leave the building , again workman's compensation and security issue . If a piece of equipment falls over and injures you the company says " time sheet says he/ she wasn't in the building" and there you are out in the cold . I know that economic times are tough and you probably won't get any money out of this , but it at least keeps you under workman's compensation and gets you out of potentially being charged with robbery . The boss should at least pay your gasoline bill to the bank ! I had an additional thought , if one of you is considered the supervisor or assistant manager then that person is salaried not hourly , that person is only bound by not being forced to work 15 consecutive days . If the "management level " person has to close the store and take the deposit that is just part of the job , but you should still log the actual hours not the fairy tale hours because of the injury / robbery thing .

How can i make money?

2010-01-26

I saw some really nice shoes today but i cant afford them. I've found some stuff to sell but what else can i do to make money. I dont want to just do the washing up for a pound or something cause thats pointless, and my mum wont let me take money out of my bank so what do i do?? I need to do it quickly or they'll stop stocking the shoes :(

Im 13 btw


Answer:get a job..

Answer:The Internet is a great place and full of opportunities if you know how to use it. you can have everything you want in life, if you will just help enough other people to get what they want ! so i would like to share this with you. because i just join and i have earned USD36.00 for less than 2 week. i will stop my full time job once i get my passive income. dont worry , it is not scams as many people already join the program.

http://e-income.ws

http://my-money-online2u.blogspot.com/


Answer:Have you seen the latest social site where you get paid for doing the things you do every day on your computer like:

1. Reading emails.

2. Viewing websites.

3. Doing surveys.

4. Clicking on "home" buttons

5. Reading postal mail?

I do it and it works a treat, takes a few days to get set up though as they send you a confirmation thing in the post. Also if you get your friends on board then you get money off them too!


Answer:hi. i think i can help you a little. i am a student

and i am earning a little extra money on my spare

time. just saw this cool site a couple of months ago.

and by just viewing their ads i earned a total of

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because i didn't invest even a single centavo. so i

took more effort on my second month by just viewing

their ads daily i got 46dollars on 2nd month. its the

easiest way to earn money based on my experience. you

just view their sponsor ads and earn credits that will

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need to have a credit card to be paid. if you are

interested just copy paste the link below and register

for free. hope i can help you. goodluck!!

http://www.trekpay.com/?ref=86007


Answer:EBAY. You can sell almost anything on ebay. But as you are 18 you cant have a ebay account so why not do paper delivery or help out your parents a little extra and they will surely help you out with money.

Answer:Try doing chores or helping your parents with things and maybe they'll consider it.

Answer:sell lemonade.

Answer:Join an escort agency.

Answer:babysit, shovel snow, mow lawns, get a job

Answer:hustle

Answer:well i kno at chick file' i think thats how u spell it u can be 13 and get a job there or do dog walking babysitting

Answer:wash cars? Clean windows…. do a aper round?

Answer:This is one of the best ways to make some money on-line FOR FREE. Proven! You get real money to rate products and share your experiences:

http://www.imreportcard.com/r/daniedson

Good luck!

How much would a young teens savings acount draw in interest?

2010-01-26

Im 14 and Im going to start my own savings account, and I won't to no how much interest I would draw. How often, and btw im going to putt 50 dollars in it at first. If you no what to average would be or even could just estimate it would be helpful:) thx


Answer:Not much

Interest on simple savings accounts now is less than 2%.


Answer:After inflation almost nothing.

Save a little until you can buy a mutual fund, then maybe 8% (better if in China)


Answer:The same interest rate as an old teen, adult or senior citizen.

With $50, don't worry about the specific rate. You should just keep putting more in and leaving it there.

I am an independent contractor (1099) employee.?

2010-01-26

I am employed through an agency that has contracted me out to an organization. I have been at this organization for over a year. The contract is about to end. I do not know if my company will have any other open positions. If they dont, am I able to collect unemployement benefits?


Answer:No, you are not eligible for unemployment benefits as an independent contractor.

Answer:No, you still work for the agency, not the organization. You just go back into their job pool and move on to a different job.

You only get unemployment benefits if you actually were hired by the organization and now are laid off. As it stands, you were not hired by them, you were rented to them via the agency.


Answer:No, not unless you paid for the insurance(unemployment).

Answer:No you are not. I know that because my husband and I were both independent contractors.

TAX Question. Please Help!?

2010-01-26

When I was submitting my taxes via internet. The website asked me for either my pin number or AGI from last year so the IRS could authenticate it was me filing the taxes for 2009.

I put in the AGI from my 2008 W-2 but I forgot that I had added my jury duty pay last year which made my AGI higher. Will the IRS reject my taxes because of the wrong AGI for 2008?


Answer:If you entered both your PIN and the AGI, only one had to be accurate.

If you only entered your AGI, it will be rejected. Your AGI, of course, wasn't the amount on your W-2.


Answer:Your AGI is your Adjusted Gross Income which is found on your tax return, not your W2. More than likely, yes. You can then fix the information and resubmit it that day.

Enter the amount of your (and your spouse's) adjusted gross income (AGI) in 2009.

If you (and your spouse) filed: IRS Form

1040 -line 37

1040A- line 21

1040EZ- line 4

Note: The line numbers above are from the Internal Revenue Service (IRS) tax form, not from the W-2 form.


Answer:no, don't worry about it

Who gets to claim the child in a 50/50 custody order?

2010-01-26

my ex and i have joint legal and physical custody of our child. we have 50/50 time shared with the child. last year, he claimed her and we verbally agreed on alternating years. Well, he renegged on this agreement yesterday and told me he claimed her again because he's broke and going through a rough time. i have this entire conversation documented on text message.

for purposes of child support, i am the custodial parent and he is the non custodial. he's behind on his child support payments for 9 months, and is using his refund to offset any amount owed. our daughter also goes to school in his school district, and uses his physical address.

my return will get rejected if i file and we'll both get audited, i presume. it isn't fair that he can claim her twice in a row despite our agreement, and because he owes back payments on child support, he's hoping to get a refund back & clear his past due debt, any holds on his license, etc.

what can I do? can i sue him in small claims court to get back the money i would have gotten if i claimed the child? also, can i claim the child anyway and attach child support paperwork stating im the custodial parent? from my understanding the noncustodial parent has no right to claim.

he's clearly taking advantage of this tax season. he doesnt think he has to pay child support and he wants a refund. i also did not sign form 8332 that must be attached to his return waiving my rights for him to claim.

thanks for your thoughts.


Answer:Custody orders are irrelevant. What matters is physical custody as evidenced by the amount of time that the child spent in each parent's home. Add up the number of nights in each home. The most nights wins. In the unlikely event that the number of nights is exactly equal, the exemption goes to the parent with the higher AGI.

Payment of child support or non-payment of child support is irrelevant to the matter of who can claim the child.

Form 8332 only comes in to play if the custodial parent as described above wishes to voluntarily surrender the exemption, or is forced to do so in a court decree under penalty of contempt of court. If the child spent more nights in his home that yours then he gets to claim the child and your giving him a Form 8332 would be meaningless.

If you can substantiate that the child spent more nights in your home than in your ex's home then file your return by mail and let the audit begin. If you can't, or if he can prove that the child spent more time in his home that yours, suck up to the fact that he can claim the child and you can not unless he were to give YOU a Form 8332, which clearly he has no intention of doing.

Your only redress is through the IRS. If the audit indicates that you were entitled to the exemption then they will award it to you and he will have to pay back any tax benefit that he improperly received. This isn't a matter for your local Small Claims Court since they have no jurisdiction in the matter of Federal income taxes.


Answer:You're welcome. TFTP.

Report Abuse


Answer:So, he has the child 50% of the time, but you still demanded child support? As far as the rules go, it's the one who can prove to have possession 51% of the time.

\\\\\\\\\\\\\\\\\\\\\\


Answer:Let it go if he has already filed. But I would file a court action so when next year comes it would be no miss-understanding. The money is for the child not to offset his financial losses.

How ethical is it to leave a job one started a couple of months back for another?

2010-01-26

How ethical is it to leave a job one started a couple of months back for another?

How appropriate and ethical is to leave a job that I just started a couple of months back in the private sector for a job with the federal government? Does it reflect poorly on my character? I was just looking at the fed job in terms of stability and the benefits.


Answer:Federal jobs are hard to come by. Usually people are waiting in line for them where I live, and the extra 5 points given to military people on the exam usually puts them ahead of everyone else. If you have already been offered the job take it; if not, do not quit the one you already have.

Can a landlord hold an ex-tenant responsible for losing potential tenants?

2010-01-26

I rented a condo in Bellevue, WA, and broke the door to my bedroom. I notified my landlord in August 2009 about the damage and he removed the door. I was then quoted $550 by the landlord in mid-December 2009 to replace and install the door. I found a door dealer who charged me $160 for everything and decided to proceed with the more reasonable option.

Since this coincided with the holiday season, I was only able to get the door delivered on Jan 15 (my contract ended on Dec 31, 2009). The landlord claims that he's unable to show his apt to potential tenants *because* of the door and is now charging me 2 weeks of lost rent ($800). He is blaming me for repairing the damage at the last minute and said that I rejected his offer to help. (Most would probably reject to pay $500 for a common interior hardwood door). I explained that I have done my part and cannot be deemed liable for his lost rent. He's bringing the case to a debt collection agency. What are my rights?


Answer:All of what flower said and…

There is a provision in the law called "mitigation." That means the landlord has an obligation to mitigate his damages, in this case, he should have fixed the door himself in order to rent the unit faster, then sent the bill to you.

EDIT: I read your additional details and feel that I haven't been clear. Let's say that you lend your only suit to a friend, they ruin the suit. It's very, very hard to get a job without a suit. While waiting for your friend to replace the suit, you were without a job and couldn't go for an interview. Is your friend responsible for the loss of income?

Of course not. They are still only liable for the suit. Plain and simple. Under the law, you are expected to buy a replacement suit and expect that cost to be ultimately covered (by personal responsibility or by court order).

If the landlord had fixed the door for the ridiculous amount, you be liable for it, the entire silly amount. He didn't, he waited for you to fix it. His problem, he had the option, right? Do you see?


Answer:You knew you damaged the door in August. You should of taken care of this then. The landlord is well within his rights to demand monetary damages due to your neglect.

Answer:He cannot collect a debt that he cannot prove you owe because you paid for the door to be repaired even if it was not earlier. It would cost him more to hire a collection agent to handle it than the $800. That is ridiculous. He could sue you in small claims court but I think you would win because you did repair the door and you should counter-sue for your security deposit if he is holding that back. If so, he is required in writing to detail the damage in a letter within 30 days (usually) or he cannot keep it.

It is ridiculous to believe he could not rent the apartment because of a bedroom door. Did you vacate the apartment with a written 30-day notice? Did you do a written walk-through? Provide the court with photos if possible.

Before filing a D.B.A. how do you find out if someone else already has the name you

2010-01-26

You can check it by going to your states' business license filing site. And typing in your proposed business name – if its being used – there will be a listing.

What start up costs of a business are tax deductable?

2010-01-26

I have a rental property business in nj and a wedding business in nys.


Answer:basically, any money that you spend to generate income plus the interest and real estate taxes and any business related expenses. and depreciation's and amortization for some start up costs and building and assets

good luck

Best online auto financing for bad credit?

2010-01-26

I do not have a bank account. I am a military veteran that gets over 3k a month and am looking to finance a 9k truck. any help or suggestions on any good sites for such a thing?


Answer:You have a snowballs chance in hades, without a bank account – you're unlikely to get any financing unless you're lucky to find to a "dealer that carries their own contracts" – search your yellow pages for such a dealer under "auto dealers, used cars".

Answer:I am Mrs Mary Kent,currently living in New jersey city,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by may 2009 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by name Mr Mikel Locke who gave me a loan of $50,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact Mr Mikel Locke.He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email at mikellockelendingfirm@gmail.com

Answer:Why don't you have a bank account?

With no bank account and bad credit, you have 2 strikes against you

If you have a hefty down payment, you might be able to get a car at a buy here pay here lot..but you won't get a loan online with what you describe.


Answer:No bank account makes it tough