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Resolved Question: What does this mean? 10pts.?

Believe it or not, the federal bailout is not the only thing on Congressional leaders' minds these days. Over the past several months, lawmakers and the Federal Reserve have been moving toward new regulations targeting the credit card industry. Just last week, the U.S. House of Representatives overwhelmingly voted to pass the Credit Cardholders Bill of Rights, which was drafted to mirror regulations the Federal Reserve is planning to announce this fall. The Fed rules, while binding for credit card issuers, are more easily undone than law -- hence the parallel proposals, explains Linda Sherry, a spokeswoman for Consumer Action, a consumer advocate. The Senate is not expected to review the bill until after any new Fed rules take effect January 1. It's extremely unlikely they could (or would) weaken the standing regulations, she says. The regulations are tremendously good news for cardholders. Consumer advocates hail talk of eliminating predatory lending practices like retroactively applying interest rate hikes to balances, and implementing new requirements such as a 45-day notice before raising interest rates. Not surprisingly, the credit card industry is balking at the proposed new rules. Among other things, card issuers note that because of the greater restrictions, they will no longer be able to afford to offer the enticing teaser rates used to lure customers in. "It could wipe out all these 0% financing offers overnight," says Curtis Arnold, founder of CardRatings.com. It's already slim pickings. The number of mailed solicitations credit card issuers sent dropped 14% during the second quarter of 2008, according to market researcher Mintel Comperemedia. "They're going to focus more than ever on their profitable customers," says Scott Bilker, founder of DebtSmart.com. While any new regulations on the credit card industry may cut promotional offers in the short-term, expect a bounce back -- or other good deals -- as companies get used to the rules. "There was a life before 0% financing offers, and there will be a life after," says Gerri Detweiler, credit advisor for Credit.com. "These companies want your business and they want to make money." Still, now is a good time to lock in a 0% rate -- assuming you qualify. "If you have good credit, the doors are still open to you," says Bilker. Those with a less-than-stellar score may receive offers for shorter promotional periods, or less favorable ongoing rates. more

Resolved Question: Relationship Question?

my gf and i have been stressed more than ever. lately we have been biting each others heads off. esp me. ive had a quick temper and ive been stressed. Financial issues credit cards debt (both of us) and she hasnt had the best luck either. she lost her job (but has a temporary job) life just feels stressful and i hate that i cant fix those issues overnight! my stress is making me take it out on the ppl i love and i dont know how to stop. i work 40 hrs plus go to school and trying to run a business. How can we stop being so stressed and have more fun with each other? I love my gf so much and i just want to know how i can stop being so stressed. more

Resolved Question: I have't filed income tax in 10 years. I want to come clean. CPA help needed to untangle this?

I am sure I won't solve this here, but I would like to have some leads to get myself organized. I do want to solve this and just want to be a regular citizen with the tax up to date. I will mention the same as another member did: "I KNOW I'M SUPPOSED TO FILE EVEN THOUGH I DON'T OWE, BUT I'VE ALREADY ADMITTED THAT I HAVEN'T SO WE DON'T NEED TO ADDRESS THAT ISSUE. THANK YOU FOR FOCUSING ON THE QUESTION I'M ASKING RATHER THAN TELLING ME SOMETHING I CAN NO LONGER DO ANYTHING ABOUT." It is somewhat complex: 1- I have not filed tax since 1999, although I estimated (at the time) and saved what I thought would be the tax. 2- 1999 to 2001 I started to play "entrepreneur" as everyone was doing when the Internet came about, selling junk on the Internet privately. money was exchanged back and forth without any actual control The IRS sent me a letter to pay taxes not filed for a student loan that I cashed(2001). The total still is unpaid. I am guessing this is because the bank reported to the IRS, yet only the loan was mentioned. 3- I had a job that issued me a W2 form 1999-2001 "self employed" , in 2000 I started paying free lancers to do the work I did, I wanted to keep the job in case the business did not do well, however these free lancers were not regular workers, I never issued any I-90 or anything that would help me to track any of these payments, except the employer being my witness I have only dates amount and first name of the freelancers, no other proof. Unlikely I can track down must of these people All payments were cash. The only ones I was able to track down were unwilling to provide personal information for I-90, yet they only make up 20% of the total. Is this case lost? Do I have to pay tax on what I kept? 4- Mid 2001 I incorporated had a tax payer ID issued by the IRS, that's where the major mass began. I mixed personal banking account, personal phone line and credit card to pay suppliers with business. Although I was able to separate accurately all the personal expenses and even the % that was business versus personal. I am not sure how to separate the business. Since I incorporate the business mid 2001 and I was already playing business man since 1999...I am unsure how to go about it. Do I have to separate them? But I have invested money on equipment prior and after incorporation to be used for business purpose, same for goods bought for sale. 5- From 2000-2001 I had an ex girlfriend taking care of all the paper for me. She was being paid to enter itemize every single item. In the end she took the money but did not do the job, actually the opposite, she only mixed up all the papers (receipt, bank statements etc) into a huge mess stuck in boxes, which took me one month to put in order again. It is not clear if the company made any profit or not, unlikely it did 6- Late 2003 early 2004 a live in girlfriend, took over the function of organizing all the papers, things were going really well, all papers had been organized, everything was being entered to a spreadsheet in the minimum details, till I found out that instead paying the bills she was pocketing the money, overnight she took her things and all the computer files, so months of work went back to the "starting line" again. Without the money to pay the bills the business could not survive, I still tried to save it by taking money from credit cards to cover holes, but eventually I ran out of Credit cards. After all these I could never put myself together again, I started drinking which I had never done, stopped paying all the bills, my credit rating was excellent went below miserable. I did not make any significant money from 2004 - 2007, if I did make any it was cash and way to low, I borrowed money from friends and family which eventually I will have to pay. -----State tax was collected for some of the sales, yet without the information that was stored in the Hard drive of the computer that was stolen by my ex I am unable to have accurate information. Not all sales were taxed as the majority was sent to out of the state. It is useless to ty to track her down as she moved to another country and has been bouncing from country to country, and I know this information was purposely destroyed. I was living in a room and board such a situation, I did not have to pay for living expenses. 7- Is borrowed money considered a taxable income? 8- My mother helped me from 2004-2007, although I am a full grown adult and I was not living with here, am I able to claim I was a dependent during these years? although she did not file me as a dependent. I did make less than $3k a year. This tax mess was never cleared, but this year I took care of the depression and stopped hiding behind alcohol. I am here to face the cosnequences. I am working on the paper work, yet I am not sure how to address these problems. 9 - I know I will need a CPA to straight this out and I am planning to do it. Any CPA out there can guesstimate what this would cost? I will borrow this money to pay an expert. 10- Let's presume that the IRS and the State will negotiate any amount I may have to pay, also the fact I am not employed at the moment, how likely is it that the amount can be negotiated to a realistic value that I can pay? Thank you very much more

Resolved Question: Am I back lol?

Well, yes and no, I fell off the garage roof trying to fix some shingles and cracked some ribs, they kept me overnight because I could not breath (Asthma), good thing they did, they found out I have a tipped uterus and they also removed my ovaries, I also found out that my right breast is higher than my left. So I will be going back there so much that I asked for my own time card! Seriously though, ribs do hurt a lot, and I want to thank everyone from my heart for all the very nice comments/concerns. I was very touched. NOW back to business lol...... A man joins a Tibetan temple. He takes a vow of silence but is allowed to say two words every year. After an arduous 12 months of eating rice, sleeping on a wooden bed with a raggedy blanket, and working 14-hour days in the field, the man goes to the head monk and says, “More blankets.” Another year passes, and he visits the head monk and says, “More food.” The man goes through one more year eating good meals and sleeping well, but he’s drained by the long days of work. He calls on the head monk and uses his two words to say, “I’m leaving.” “Good,” the head monk replies. “You’ve done nothing but bitch since you got here.” more

Resolved Question: What do I do now, I am in love with him...?

My bf went out of town on business trip & ended up staying adtnl night w/out calling me. The next day when he called, I said thanks for letting me know your ok and I hung up on him (very immature I know). I was full of hurt and anger. I then typed a letter & put in his mailbox telling him that I trusted him and thought he was a man of his word, but that my gut tells me he is not. I also left a promissory note for him to sign on money I had loaned him months back. He did not call or anything. 6 days later I texted "do u wanna talk"? He replied "tmrw night", I replied "Im busy then"..then I went to his house as I needed closure, I told him that I dont trust him as I know he was with someone else when he stayed overnight. He said nothing! I was so hurt and said hurtful things to him,looking back I wish I had not. Well, our 1 yr anniversary was 12/22 & he didnt call, no call on Xmas. I left his gifts at his door & gave him a thoughtful card ask'g 4 forgiveness. He hasnt called? What to do? more

Resolved Question: Where can I make/design professional quality business cards?

I've been on VistaPrints, PrintsMadeEasy, Overnight Prints, 123prints, Kinkos, etc etc etc. Their designs are all so hokey for the category I am in (beauty/makeup). I want a simple card: white, textured cardstock, raised lettering in green and black inks. Maybe an elegant black border around the card. I know it is possible, but I don't know where to look or go! The one site I found that did plain cards like that did not have green ink. The green is very necessary. =) If anyone has any ideas, please let me know! Thanks in advance! more

Resolved Question: PLEASE HEL ME!!! AT&T Lied to me BIG TIME and I dont Know what TO DO?

On Friday June 29 I called AT&T Business Office to find out about their All in one PLan (Home, Cell, DSL and Dish) This is what the sales girl Offered me: Cell: A plan of 49.99 for 700 minutes + Roll Over Minutes + Free calls to all AT&T and Cingular phones... She also offered me a gift card of $120 cause I was going to pay $200 for each phone that I had with Sprint. For the other phone she said I only had to pay $ 10 more and that she could not give me another $120 card but that she could give me a Credit of $120 on the first bill. On top of that she told me she could send me the phone overnight the next day. For Internet I was paying 19.99 she told me that she could give it to me for 9.99 For Dish she said that If I made a contract of 18 months..the first year was free and then I had to pay 37.99 the last 6 months. 1. The phones did not come overnight..Got Upset and called them the next Monday..When They came and called to activate I find out that the plan she offered.. Was not right..I could have either the roll over or the free att cingular calls.>i complained and they gave me a $95 dollar credit for her two firsts mistakes.. When She called we added the totals and it came to $115. a month..My Bill came for $201 and the cellphone bill is not even there... When I called today they said that those $120 that she promess me do not show anywhere.. About the Dish..she never TOLD me that I had to call somewhere to activate the account...So They billed me this first two months.. Internet came for $25..She upgraded my speed..and I did not even ask her for that...She said 9.99.. Since I do not have written Docmentation from them and everything was over the phone I AM SCREWED...This is Incredible more

Resolved Question: What did I marry??

Highschool sweethearts and very much in love. We dated for 5 years and then got married. We have two young boys together. She gambled our credit cards to the max about 3 years ago and forced us into bankruptcy. Then last Nov. she left me for a school teacher at her work she works in the kitchen. We where strapped for money because we make payments for the bankruptcy so it was hard to have money to take her out places. Now her new lover is taking her everywhere lots of overnight trips. I know its none of my business what she does but it just is such a kick in the face for me. We share our boys every other week together and tonight I talked to her about her nephew coming over as I haven't seen him in about 2 years I told her goodnoight and she just hung up no bye or nothing. What did I marry????she was so sweet and so full of love and we had a nice family nothing unordinary. I'm moving on really good now as it was a shock but she knows I'm a nice guy and hurt. more

Resolved Question: How many illegals want to become citizens, how many of them just want to become legal?

How many illegals want to become citizens, how many of them just want to become legal? It's important to know, and it's the question nobody asks about illegal immigration. How many of them want to become citizens versus just want to become legal? Senator Kennedy, you're the expert on immigration. Perhaps you could tell us? Senator McCain, you know more about the issue than F-ing anyone else. Maybe you could tell us. How many illegals want to become citizens and how many just want to become legal? And, by the way, round numbers. We don't have to make this that specific. I'll tell you why I ask this, because it shows there are quite a few questions we should ask and quite a few answers we should have before we dive headlong into what they are calling immigration reform. And, by the way, I said dive headlong rather than rush headlong because I don't want my name to become an issue in this, folks. I know it's rush headlong. I put dive, keep me out of this. How many illegals want to become legal? We don't know the breakdown so let's use the wisdom of Solomon. Let's split the illegals in half. Let's say half of them want to become citizens and half want to become only legal. What does this new bipartisan bill propose? Well, it proposes a new ID card, the Z visa. It makes illegals legal overnight, something that very few people are talking about. The $5,000 fine, that's only applicable if the illegals seek citizenship. But if they don't seek citizenship there's no $5,000 fine, there's no heading back to the home country to get back in line. So if this bill becomes law as written, yesterday illegal, today legal, shazam. There's no so-called road to citizenship here, no alleged eight- to 13-year wait, there's no steep fine, whether it's 5,000 or $500 does not affect them. There's no touchback, meaning heading to the back of the line. There is no line because they're legal! I know I've been making this point for the past week, but I wanted to illustrate it in this fashion. What does citizenship mean? Citizenship is irrelevant to this. While the Drive-By Media focused on a distracting debate -- is it amnesty or is not amnesty, is it anti-immigration or is it xenophobia -- the reality is that all illegals become legal whether they opt for citizenship or not. The question we have to ask now, do Senator Kennedy and Senator McCain know this? Was Senator Kennedy wrong for the ninth time in 42 years on this issue? Yet he's held up as the elite expert, the lion who's making sure his final days are being put to the best use possible, for the goodness of America. He's been wrong on this nine times. Was Senator McCain outfoxed like he was with campaign finance reform? Now, if you are for this alleged reform, the least you could do to make your case is to say that these uneducated, unskilled illegals are one heck of a lot smarter than some of our best and brightest senators. Maybe our guys should jump the border, pick up some street smarts on the other side, and then come back. Who's outfoxing who here? You might be saying, "Well, Rush, what's it matter? What's the big deal, path to citizenship?" Well, path to citizenship means that you want to become an American. It means that you're interested in assimilating in the great American culture, becoming part of it and expanding it, passing it on to your own family, your kids and so forth. If you just want to become legal, then there's no assimilation, there's no desire to, quote, unquote, become Americans, be here legal so you don't have the sigma of being illegal. This whole business of the rule of law, people are trying to pooh-pooh this illegal -- ah, the Drive-Bys and the elites, politicians are all saying, "We're not going to deport 12 million people, gotta fix this somehow. Illegal, that's a bad way to look at it." No, it's not. No, it's not. When you grant 12, 20 million, whatever the number, a virtual exemption from American law in one regard, then you are just telling them that they're exempt from a number of other laws that they might break down the road, which Heather Mac Donald has documented to be taking place in Maywood, California, 96% Latino. Let me read this. George Will. I'll just read this to you again. "Affirming the rule of law is, however, where to begin because when a large and somewhat cohesive cohort succeeds in living in defiance of the law, the scofflaw spirit can have myriad manifestations. Writing in last summer's City Journal, Heather Mac Donald of the Manhattan Institute gave a sobering example: 'Protecting one form of lawbreaking may require protecting others as well. The city of Maywood in Los Angeles County declared itself a sanctuary zone for illegal aliens this year. Then it got rid of its drunk-driving checkpoints, because they were nabbing too many illegal aliens. Next, this 96 percent Latino city, almost half of whose adult population lacks a ninth-grade education, disbanded its police traffic division entirely, so that illegals wouldn't need to worry about having their cars towed for being unlicensed.'" So if you're going to say they're illegal and you're going to make 'em legal and you're doing this on the basis that these are God's people, these are salt of the earth people, these people the future of the American economy, well, if you've granted them legal status and they continue to break the law, you can't have that because at some point you may have to send them back. I mean, they've become felons. So you gotta exempt them from all other laws. In the meantime, other Americans are being held to these very laws that the Latinos are being exempt from here in Maywood, California, and a lot of other places. Drunk driving checkpoints disbanded, no police traffic division so they don't have to worry about their cars being towed for being unlicensed. Meanwhile, other people are being picked up and charged and put in jail for similar offenses. And you think that's going to go down? You think the American people are going to put up with that? If you think the fireworks on this are hot and heavy now -- and they are -- wait until if this thing actually gets signed into law, then you're going to see what a powder keg erupting nationwide looks like. more

Resolved Question: WHEN will this STOP??

Resolved Question: Does anyone have a phone no to contact someone at Dell support that knows what they're doing? PLEASE HELP!!!!

I've had problems from getting a computer with video cards in it that werent compatible with the motherboard, to waiting a week for a $10 cable that was supposed to be in stock and shipped overnight....I've referred tens of thousands of dollars of business to them, but will never again!!!!! There product could be the best in the market, but with this kind of support you're better off going to some retail chain to purchase computer. more

Resolved Question: Why Does Myspace delete random innocent Profiles??

But porn stars @ illegal drug profiles are all over the place?? I have been using myspace everyday for family & friends and even put url on 5,000 business cards and then profile was deleted overnight with NO explanation. more

Resolved Question: 5 year anniversary?

This November will be me and my boyfriend's 5 year anniversary. I'm at a complete loss at what to get him. He's into computers, games (computer and console), and Warhammer 40k. He is pretty self-sufficiant and if he needs something, he will buy it. Previous Gifts: -Engraved Promise Ring -Notebooks/Journals that I've written in -Satin Sheets -Halo 2 (and other console games) -Cell phone accessories -Movies -Photo Albums/Pictures -Briefcase/Business Cards -Shoes -Done the whole hotel thing (stay overnight with champaign and all that jazz) -Clothes Any ideas are worth a shot! One last thing: We are going on a 7 day cruise to the Western Caribbean in early January. It's both a Christmas gift and my college graduation gift as well. You guys really had some great ideas- thanks! more

Overnight Business Cards Article

ALERT: Traffic accident on Business 77 in San Benito

SAN BENITO - Two vehicles were involved in an early-morning accident on Business 77, near the intersection with Helen Moore Road, according to witnesses.

Two San Benito Police Department squads, along with an ambulance, were at the scene.

One of the vehicles had extensive front-end damage.

Stay tuned for more updates at valleystar.com.

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Easter bunny to open Easter Fest

NORWAY - Recreation Director Deb Partridge announced Friday that two more businesses have signed up to participate in Saturday's Norway Easter Fest, which is being held downtown from 10 a.m. to 1 p.m.

Don's Redemption and Cafe Nomad, both downtown businesses, have signed on to the fourth annual Easter festival.

Hundreds of children and adults are expected to turn out for the event, which begins at Norway Memorial Library. There, people can pick up the Bunny Trail Map and get more details about the day's events.

Partridge said the Easter bunny will open the festival at the library before hopping across the street to Main Street Furniture & Appliances where he will hand out balloons. There will also be a Main Street Easter egg hunt, craft tables, a chance to enter raffles, a performance by Mary Ukelady, and healthy snacks provided by Healthy Oxford Hills. more

What is open and closed

Since council voted earlier this month against keeping stores across the GTA open on statutory holidays, many of the stores and businesses in the GTA, including the Eaton Centre and Vaughn Mills Mall, will be closed tomorrow.

The Pacific Mall at Kennedy Ave. and Steeles Ave. E. will remain open, as will a few shops on Queen St. W., Yorkville and Kensington market.

The Toronto Zoo, movie theatres, restaurants, most video rental stores and some drug stores will be open all weekend.

Also open all weekend are the Royal Ontario Museum, Ontario Science Centre and CN Tower.

The TTC will run on holiday hours.

On Monday, government offices are closed and there's no mail. Some liquor stores will be open.

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Top Overnight Business Cards News

Overnight Business Cards

NEW YORK - Bank-to-bank lending rates eased further Friday and demand for Treasury bills let up slightly, but there are still signs the companies that need credit most might not be able to get it. Corporate bonds are being issued at the weakest pace ...

Rates ease, but credit freeze is still a threat - AZCentral.com

WASHINGTON (AP) _ The government's drastic economic rescue efforts will eventually pay off, President Bush insisted Friday, offering calming words to anxious Americans but no suggestion of a quick revival as Wall Street braced for another wild day ...

Bush says rescue plan will work but 'going to take awhile,' stocks ... - Newsday

Bush says rescue plan will work but 'gong to take awhile,' stocks down ... - Chicago Tribune

Bush also seems to confirm that the cancer developed and was incubated during his 8 years. >>>The economy didn't falter overnight, “and it's going to take a while for the credit system to thaw,&8221; Mr. Bush said...>>> Canadians know what they ...

John...Ish... Ishmael from BRAMPTON ON, Canada writes: - Globe and Mail

REDMOND, ORE. -- As flocks of disenchanted Californians streamed across the border in the last decade, drawn by central Oregon's crystal-clear skies, ski slopes, small-town charm and affordable homes, Redmond has been hastily assembling portable ...

Economic turmoil puts municipal bonds, projects in a bind - Los Angeles Times

The Icelandic currency, the krona, lost half its value against other currencies this month and no longer is being traded. Citizens have limited use of credit cards abroad. Companies can't obtain foreign currency unless they can prove it's to import ...

Financial climate grows frigid indeed in Iceland - Arizona Daily Star

One of the pleasures of moving to Peru in July 2007 was escaping the flurry of credit offers that used to besiege our mailbox in Florida. Each afternoon I'd grab the stack of new mail and spend a good 15 minutes going through the envelopes. There'd ...

Escaping the U.S. credit nightmare - Miami Herald

NEW YORK (AP) _ A stock market as difficult to fathom as it is volatile pulled off another stunning U-turn on Thursday, transforming a 380-point loss for the Dow Jones industrials into a 401-point gain. Was it the government's bailout beginning to ...

A 380-point loss becomes a 401-point gain: Just another day for the ... - Newsday

WASHINGTON - The country's economic health won't snap back quickly even if badly needed confidence in the U.S. financial system returns and roiled markets finally calm, Federal Reserve Chairman Ben Bernanke cautioned Wednesday. "Stabilization of the ...

Bernanke: Quick economic rebound not in cards - Rapid City Journal

NEW YORK – The dollar rose sharply Friday against all major currencies except the yen as investors continue to seek safety and cut risky positions. Stocks turned higher in late New York trading, but Asian and European stock markets ended another ...

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