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Concerned that Norway's businesses will be unable to support high farm subsidy levels indefinitely, Lars Sponheim, a farmer and former minister of Agriculture, called the trade negotiations breakdown "tragic," the report said. The farmers' reaction was "Norway at its worst," he said.
Reidar Nilsen, head of the Norwegian fishing lobby Norges Fiskarlag, told Aftenposten the danger existed for countries to move toward bilateral agreements that could hurt the Norway's critical seafood industry.
Green groups landing out-of-court deals
LOS ANGELES, July 30 (UPI) -- Environmental groups are brokering private deals with U.S. businesses to accomplish their objectives without court battles, sources said.
Environmental scholar Steven Hayward of the American Enterprise Institute called the new deals "practical environmentalism," USA Today reported Wednesday. more
SPX earnings up 48% Charlotte Business Journal
SPX Corp. reports a rise in second-quarter net income to $94.8 million, or $1.74 per diluted share. In the same period last year, the Charlotte-based company earned $63.9 million, or $1.12 per diluted share.
Revenue in the latest quarter nearly doubled to $546.5 million from $278.1 million a year ago. The increase was due primarily to the fourth-quarter acquisition of APV, which contributed $217.1 million to revenue for the quarter.
AVP makes pumps, valves, heat exchangers and homogenizers for the food, dairy, beverage and pharmaceutical industries. The British company has 3,000 employees in more than 40 countries.
SPX Corp is raising its 2008 earnings guidance to between $6.40 and $6.60 per share from its previous estimate of $6.20 to $6.40. The company earned $5.22 per diluted share in 2007. more
Business Briefs
Bennigan's at the Centre at Glen Burnie, said he and his partners would continue operating as an independent business, changing the name if necessary.
"We operate it because we have a passion for it, not because we have to," he said.
S&A Restaurant Corp., the Texas-based owner of Bennigan's, Steak & Ale and The Tavern chains, filed for bankruptcy under Chapter 7 yesterday and closed its restaurants, It cited severe financial problems.
The Glen Burnie locaiton which would be the only Bennigan's location left in Maryland, employs 50 to 80 people depending on the season, said Mr. Sappington, operating partner of Glen Burnie Restaurant LLC.
The restaurant will go ahead with several planned promotions, including a Jonas Brothers concert ticket giveaway on Friday from 5 and 7 p.m. more
Business leaders slow to adopt Web 2.0
Another 22.4% are "interested in these tools but we haven't figured out how to apply them to our business." Twenty percent haven't yet seen the need for Web 2.0 at their companies, and 11.9% said they're unfamiliar with the tools. "That's a relatively even distribution among those familiar with Web 2.0 tools. But it is interesting that less than 50% of businesses are using them now, despite all the rhetoric about these services. The other 22.4% who are interested would expand current usage by half again. These are relatively cheap media forms. Why hasn't business adopted them more fully? It would appear that marketers of Web 2.0 platforms and services haven't done as good a job as they might of explaining what they have to offer. " Eva Schmatz, president, Summus Limited.Have a burning question to pose to business's best and brightest? Submit it to Summus, and if we feature your question here, we'll send you a SmartBrief on Leadership mug!
SmartBrief on Workforce launches Monday, July 28, 2008 Kathy Cloninger, CEO of Girl Scouts of the USA Tuesday, May 20, 2008 John Wooden,basketball coaching legend Tuesday, June 3, 2008 Related News Stories Orlando Magic's Howard among 12 named to U.S. more
Top Secure Business Credit Cards News
Secure Business Credit Cards
Barclays yesterday announced plans to be the first UK bank to issue contactless payment debit cards to its customers. The group said from March most Barclays debit cards that were issued or reissued would include technology enabling people to pay for ...
Read moreNow Barclays have the contactless card - yorkshirepost
Knoxville-based Goody's Family Clothing, which emerged from bankruptcy less than three months ago, is shutting its doors after failing to secure sufficient capital to keep the business operating. Going-out-of-business sales could begin as early as ...
Read moreGoody's shutting doors after 55 years in business - Knoxville News Sentinel
Barclays has announced plans to be the first UK bank to issue contactless payment debit cards to its customers. The group said from March most Barclays debit cards that were issued or reissued would include technology enabling people to pay for items ...
Read moreBarclays' 'contactless card' plans - Channel 4 News
Most economists do not expect the U.S. economy will go through a depression related to the credit-crisis-mortgage-meltdown-bailout bonanza. Most Americans, however, do. A recent CNN poll finds that nearly 60 percent of Americans believe we're very ...
Read more15 Hot Jobs in a (Gulp!) Depression - US News and World Report
Dear Mary: I'm 23 and have just fought my way out of credit card debt. Being debt-free and 23 is a good feeling! Recently, I asked my bank about the interest rates on different investments and was shocked. My bank doesn't offer more than 2 percent ...
Read moreDebt-free is the way to be - Allentown Morning Call
Long before the media became interested in the housing crisis, credit counselors were dealing with the fallout as people about to lose their homes turned to them for help. METEC, or Mount Zion's Effort to Equip the Community, a faith-based ...
Read moreIs another foreclosure wave on the way? - Peoria Journal Star
After the orgy of spending and overeating that is Christmas, for many the new year is about losing weight. But this year, recession has put the high street on a crash diet too. In the closing stages of 2008, the shortage of credit set in train a ...
Read moreNew year, new look for UK high street - Guardian Unlimited
W ill that be cash or charge? Debit or credit? Bill Me Later, Billeo or PayPal? Consumers have more choices than ever in how they pay for goods and services, and it is clear the days of paying by cash or check alone are long gone. Payment choices ...
Read moreThe electronic dollar? - Baltimore Sun
Sunday Times CRUNCH TALKS FOR MOSAIC Mosaic, owner of Oasis, Karen Miller and Principles, is set for crunch talks with its lenders in an attempt to secure its long-term future. Mosaic is to begin talks with Kaupthing about its working capital needs ...
Read moreGlance-PRESS DIGEST - British business - Jan 4 - CNBC
2008-12-31 12:56:51 - Ethan Ewing, president of free online consumer credit portal Bills.com, noted that credit card debt is an enormous burden for many people. SAN MATEO, Calif., Dec. 31, 2008 - Just as credit analysts announced that banks are ...
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Questions others have asked about Secure Business Credit Cards
Voting Question: Web Development Question?
I am trying to start a small business website. It's gonna work on subscription based. I used to do some programming (a long long time ago...), but most likely I am going to hire somebody to do this. Just need someone fresh in the field to give me some general outlines: 1. What does it take to program a secure part of the site that requires credit card payment? Web hosts like Yahoo! can set up the site to accept PayPal payment. But that would be more applicable to selling product. I will be selling content (nope, it ain't porn, although the structure will be very similar). 2. Where could I find a good programmer to do something like this? 3. What is the going rate for web programmer these days and how does the contract usually work? moreResolved Question: Can anyone guide me for opening a Business Merchant Account with HSBC-U.K. without physical presence?
We are based in Taiwan, planning to run an overseas tea trade business exporting tea from Taiwan to U.K. We are planning to sell tea from Taiwan to UK retail customers for which we initiated to launch a website. We will take on-line orders on our Website and the Customers will make secure payment through debit/credit card. The payment gateway company requires for us to have a UK Merchant number and a UK bank account to where we can deposit the funds. We understand that once the Merchant Bank deposits the funds in our UK bank account we may transfer those to our Hong Kong account which we would need to arrange with the bank. Though we have our Business account and Merchant account with HSBC-H.K., for the above nature of our online retail business with U.K. Shoppers, we need to have a UK Merchant number and a UK bank account as mentioned. However, our Banker i.e. HSBC-H.K. assured us that for opening an account in HSBC UK, the process they will help to do referrals for us for opening the account. We seek one's kind advice as to whether he/she can help us for the UK merchant account initiation without a need of our physical visit to UK!! Please guide us with the best solution and oblige. moreResolved Question: Is this federal assistance package another federal scam ?
.Treasury secretary Paulson announced this morning a package to stimulate our economy in , securing the federal backed dollars for small business loans , auto loans & credit cards, My question is how is this program going to be paid for, and since the economy has tanked so badly, and millions of Americans have taken real credit related hits, as a result of a failed economy, who is going to qualify for this stimulus . the rich ? or those who really need it. moreResolved Question: Is this fraudulent? Specifically the support email from TrialPay looks like it's not real.?
From: support@help-trialpay.com Motor vehicles Buy the car of your dreams with 100% fraud protection Certified professionals providing unparalleled merchant service & support TrialPay eCommerce delivering fast, secure and reliable payment solutions. ? Leader in E-Commerce Solutions TrialPay is a long established full service Merchant Services Provider to restaurants, retailers, chain stores, franchises, hospitality and lodging establishments, direct marketers as well as ecommerce and mail order/telephone order businesses. We provide nationwide credit & debit card processing, clearing and settlement, gift/loyalty/stored value card programs, terminal management solutions and electronic check processing. Transaction details: 2002 Volkswagen Passat GLS Sale price: US $2,486.00 Quantity: 1 Deposit: US $2,486.00 Shipping & Handling: US $0.00 Insurance: Included Sales tax: US $0.00 1. Buyer and Seller Agree to Terms * Both parties agree to terms of the transaction, which includes a description of the merchandise, sale price and any shipping information. 2. Buyer deposit the money to TrialPay using Money Gram. * The Buyer submits a payment, selecting Money Gram to our TrialPay representative from New York, NY. 3. The Seller Ships The Vehicle * Upon payment verification, TrialPay web site is authorized to ship merchandise and submit tracking information. TrialPay verifies that the Buyer receives the merchandise. 4. Buyer Accepts the Merchandise * The Buyer has the option to accept or reject the merchandise. 5. TrialPay Pays the Seller * TrialPay pays the Seller by cashier's check, Money Gram or wire transfer. The transaction is complete. TrialPay web site, an accredited company, acts as a secure third party to protect the Buyer and Seller. Using Money Gram to pay for your purchase may also expedite your transaction. Payments get there quickly, which means you may get your goods fast. Buyer and Seller will receive email confirmations, when the payment is sent. TrialPay SafeHarbor takes several steps to protect both the Buyer and Seller against fraud : * All shipments are tracked to ensure the Seller shipped and the Buyer received the merchandise. * If the merchandise is fraudulent, it gives the Buyer the chance to return the merchandise before payment is released to the Seller. How to make the payment: TrialPay agent details Full Name: Curtis Griffin Address: 41 East 11th Street City/State: New York - NY Zip: 10003 Country: United States 1. Locate the nearest Money Gram Office. 2. Make the payment with cash using our agent details as receiver. 3. E-mail us the following details from the payment receipt: * Reference Number - 8 digits number from the receipt * Sender Name and Address * Receiver Name (Curtis Griffin) * Amount $2,486.00 4. Send us the copy of the payment receipt through fax at: +1 (914) 462-3296. Further instructions: 1. The service you have to use from Money Gram is a person to person transfer. 2. Package Information Tracking Number. Pending 3. You will receive the Tracking Number after the payment is confirmed and the parcel will be in transit. 4. Once we receive the payment confirmation, we will inform the seller so he can start shipping. We will hold the payment until you will receive and inspect the merchandise. As soon as we will receive your confirmation we will release the payment to your seller. 5. If you have any questions please contact us at support@help-trialpay.com and we will try our best to respond promptly. 6. Why Participate in a TrialPay Managed Transaction (PPMT) * Absolutely Free - there is no cost to you. * Unbiased and Neutral - TrialPay is an objective third party. Highly effective in completing a successful transaction. * Simple and Quick - most transactions settle within 5 days with less than 2 hours of total time from you. © 2008 TrialPay Inc. All Rights Reserved. TrialPay is a legit company, but I'm pretty sure that isn't their support email. It looks like a fake email with a TrialPay logo on it doesn't it? I didn't send any money. It was a deal my girlfriend was going to do, and I was looking it over to make sure nothing suspicious was up with it. I don't like the idea of sending MoneyGrams. She's calling TrialPay tomorrow to clarify what their support email address is, and checking if this is a scam. moreResolved Question: Is there a safe way to send credit card info to Italian business?
I want to make a purchase at a small winery in Tuscany but I'm not sure how to get credit card info to them safely. I've been to the winery and I know that they are upstanding so I trust them. But, I don't want to email my credit card info (including security code) for fear someone could intercept it. Is there a safe and secure way to send my credit card info or electronic funds to this business in Italy? moreResolved Question: Please help: Automotive Questions about car financing?? ?
1. Why is it important to maintain a good credit history? a. Because your family will inherit it, and it's important to plan for their future b. Because anyone can access your credit history at any time to learn about you c. Because a good credit history can generally help you negotiate for a lower finance rate d. Consumer protection laws state it is your responsibility to maintain good credit 2. What might happen if you fail to make several payments on purchases that you made a year ago? a. The item(s) can be taken away from you, if the item(s) secured the credit obligation you took on when you bought the items b. Negative information may be added to your credit report c. You could be denied credit in the future d. All of the above 3. How can you find what your credit history looks like? a. Contact a credit-reporting agency b. Ask a private investigator to find out all they can about you c. Look yourself up on the Internet d. Check your family's credit history 4. Which of the following is not something a creditor will look at before granting you credit? a. If you pay your bills on time b. Where you live and your living arrangements c. How many credit obligations you have d. How much you owe on all your accounts 5. Net income is also known as: a. Taxable income b. Alimony c. What's left after you pay your bills d. Take-home pay 6. About how much of your monthly take-home pay should your car payment not exceed, after subtracting certain monthly expenses, like credit cards? a. 5% to 10% b. 10% to 15% c. 15% to 20% d. 20% to 25% 7. In addition to vehicle payment, what other vehicle expenses should be considered in your monthly budget? a. Insurance b. Maintenance c. Gasoline d. All of the above 8. Which of the following is a contract with a dealership to buy a vehicle on time by paying the purchase price plus an agreed upon finance charge over a certain period of time? a. Gap protection b. Aquisition fee c. Installment sale d. Residual price 9. What is one of the major differences between buying and leasing a vehicle if you choose to buy? a. The dealership is listed on the title as the vehicle owner b. You need to turn in your vehicle to the dealership after a certain length of time c. You will need to pay a security deposit, acquisition fee and other charges d. You are the owner of the vehicle and your name is listed on the title 10. Monthly lease payments are usually lower than monthly finance payments when comparing leasing and financing for the same term because you are only paying for the vehicle's expected depreciation during the lease term, plus a rent charge, taxes and fees. a. True b. False 11. When you finance at the dealership, you are entering into an installment sales contract between you and the dealership. a. True b. False 12. When you lease a vehicle, you are responsible for excess wear and tear, damage and missing equipment. a. True b. False 13. Which of the following items can you negotiate with your dealership? a. Annual Percentage Rate b. Length of contract c. Price of the vehicle d. All of the above 14. Which of the following can be used to lower your monthly payment? a. Getting a higher APR b. Choosing the shortest term available c. Making a larger down payment d. None of the above 15. Which of the following are additional items that can usually be added to the finance contract? a. Optional Credit Life Insurance b. Option Gap Protection c. Optional Service Contract d. All of the above 16. What is the purpose of purchasing optional disability insurance? a. Covers the gap between the vehicle's value and what your insurance company provides in the event of total vehicle loss b. Pays the balance of your contract in the event of your death c. Makes your scheduled car payment in the event of sickness or disability d. Protects owners against unexpected major auto repair expenses 17. What is the purpose of a service contract? a. Adds additional time to the vehicle warranty b. Protects owners against unexpected major covered auto repair expenses c. Pays all of the vehicle repairs regardless of the circumstances d. all of the above 18. It is a normal business practice for the dealer to retain some portion of the finance charge as income for the dealership. a. true b. false 19.) A rebate is always better than a special finance rate. a. true b. false moreVoting Question: What is the best shopping cart solution?
I run a start up web design business and up until now, I haven't been designing any sites that require an e-commerce component. A new client that has signed up has requested us to build an online store for him and I need to choose a method that will allow him to maintain his own online store after we sell him the web site design. He's not very computer savvy and I need to keep it simple for him. I don't want to get sucked into constantly updating his site every time he adds a new item. I also need to make sure that the shopping cart option we provide will be a secure service and were he will have the ability to authorize credit cards instantly and integrate with shipping carriers. I looked into 3D cart but are there any other (possible better) options out there? moreResolved Question: Does anyone want to try this with me? With the economy being this way how can you not want to try?
Even if you don't believe it....isn't it worth the $6 just to try it out?? INSTRUCTIONS ON WHAT TO DO: Some people will perceive this as an 'off the wall' idea to make money, but others will look at it as a great business opportunity. This by far is the safest; most risk free opportunity you will find to start your own business because you use Paypal, the most trusted banking system on the internet. Not only is this an opportunity to gain financial freedom, but you will help others do the same as they help you. A basic principal that has been forgotten about - Giving to one another. This is a very simple opportunity. This is an even simpler automated way to make money that does not require opening mail, only a Paypal account. -------------------------------------------------------------------------------- 1. Create a Paypal account for free. 2. Give six people $1.00. (Paypal IDs are listed below.) 3. Post this opportunity to others on the internet. 4. Other people create a Paypal account for free. 5. Thousands of people give you $1.00 to be put on your mailing list. 6. (Once you add your Paypal ID.) If we all work together everyone will benefit. Here's how! Paypal verifies that this $6 investment program is 100% legal and is a big hit this year see their note below or ask them directly... For a simple investment of 15-30 minutes and just $6, it is 100% worth it to make thousands so quickly. This is not another scam that takes lots of your hard earned money; this is a no risk investment that will make you thousands of dollars very easily and quickly. From PayPal: 'Dear Member, it has come to our attention that there is a PayPal opportunity floating around at the moment you may have heard or seen the $6 opportunity; you may have even taken part in it. Well, we have been asked a lot of questions about this opportunity the answer is yes it does work and yes it is safe to use providing you follow the rules it is legal and has made a big hit on the internet this year. If you would like to take part in this opportunity or would like a bit more information then please see the attached file that was kindly donated to us. Thank you for using PayPal!' Turn $6 into $15,000 in only 30 days...here’s how! You have most likely seen or heard about this project on TV programs such as 20/20 and Oprah or you may have read about it in the Wall Street Journal. If not, here it is below - revealed to you in step-by-step detail. This program is by no means new. It has been in existence in many forms for at least a decade. I found this on a bulletin board and decided to try it: Make Money with your PayPal account as shown on Oprah! IMPORTANT: This is not a rip-off; it is not indecent; it is not illegal; and it is virtually no risk-it really works! If all of the following instructions are adhered to, you will receive some extraordinary dividends. AGAIN, PLEASE NOTE: Follow these directions EXACTLY, and $20,000 or more can be yours in 4 to 6 weeks. This program remains successful because of the honesty and integrity of the participants. Please continue its success by carefully adhering to the instructions. A FEW LEGAL TIPS: You are starting a Mailing List: 1) File your responses alphabetically everyday. If you have a computer, all the better, if not get one with your first mail responses. 2) You will soon compile an extensive mailing list. It can be very useful in your business, to start a new business, or for other businesses to acquire information from you. When you send out these letters, you are in the mail order business. People are sending you $1.00 to be put on your mailing list. This is a legal helpful service. Once again see Title, section 1302 and 1341 of the US Postal and lottery laws. Like most of us I was a little skeptical and a little worried about the legal aspects of it. It follows the same regulations as the mailed chain letters, which according to the U.S. Post Office (1-800-725-2161) is indeed legal! -------------------------------------------------------------------------------- Here are the 4 easy steps to success: STEP 1: Take a few minutes to join PayPal: Remember to verify your account. www.paypal.com The Internet's most trusted Internet banking system for your future income. When creating your PayPal account place your email address which you used for PayPal on the list below; this way people can send money to your account. STEP 2: Once you have a PayPal account running, use PayPal to post $1 to EACH of the 6 Email Addresses below because you pay people with an email address in PayPal. Select 'SEND MONEY'. To do this you may need to use a credit or debit card, which is very easy and secure so nobody but PayPal may see it. What you are doing is creating a service. This is absolutely legal! You are requesting a legitimate service and you are paying for it! Here are the 6 individual Email addresses that you have to send $1 to through PayPal for this to work properly moreResolved Question: What is the best secured credit card that allows u to start a checking/savings account to RE-BUILD your credit?
Does anyone out there have any experience with a good secured credit card that will allow u to start a checking and saving account that RE-BUILDS your credit score tremendously in a short period of time? I would like to RE-BUILD my credit with a credit card but don't want to apply for the credit cards that charge me interest. Therefore, I've been thinking about applying for a secured credit card that does not have enormous fees and one that will help me to RE-BUILD my credit score from 480 to minimum 700 in 6 months. Is there anyone that can share their experience with me that they have done what I'm trying to do and who was the secured credit card company? I thank everyone in advance for your kindness and your business advice. moreResolved Question: Help Me with This Tough Choice.?
I have been working for the same company for 15 years now. I am very well respected, considered the best at my position, and am scheduled to interview soon for a promotion. The catch is, I have 2 felonies from before I even started working there- credit card fraud, and uttering false documents. Currently, I am in a Union position. The promotion means leaving the Union. I would hate for them to find out later, only to get fired. I am in the retail business, with a company that has 180 stores in 4 states. It wouldn't even look right from an outside perspective that this company have a felon running one of their stores. I'm thinking of just declining the interview. I know the offenses were from 15 + years ago, but I think it will matter to them. This company has changed hands twice since I started with them. I've worked too long and too hard to lose my house and destroy my marriage, not to mention probably have a hard time finding another job, and not making what I'm making now either. I know I did the crime, fortunately, there was no jail time, just restitution and community service. I live pretty comfortably and have a secure job, and am well- respected. Perfect credit now, I did file bancruptcy in '94 With the internet nowadays, it's too easy to pry into anothers' life. I looked myself up on the states free court case board, and there I was........ FREE, didn't pay a cent. Didn't have to walk into the courthouse. Just for kicks, I looked up some people at work, and saw all the info from their divorces and bancruptcies, how much they had to pay alimony and such. It was sickening. I always thought in the back of my mind, that short of murder, a background screening company would go back 10-12 years at the most, but I don't even see why they would need one of the companies if they can go right to the state. At the time I was hired, I hadn't been convicted yet, so I didn't disclose that info. I think I'm going to play it safe, and keep what I have. I was thinking of telling them in the interview my reasons for not moving forward just to see what they say, but either way, they are going to be let down, and I don't know what good it will do for them to know my business. I guess when all this happened (when I was 21) I was in debt up to my neck, got fired from my job, (had a motorcycle accident, missed too much time), and took risks that didn't pay out. It really has shaped who I am, and I have been clean ever since. I was so disgusted with myself after this all went down 15 yrs ago, that I soon after had a vaesectomy, thinking I couldn't possibly be a good role model. 15 years later, I'm disgusted with myself all over again. moreVoting Question: I want to start an adult cam site and i don't know where to start can someone help?
I want to start up an ecommerce webcam show site. I want to put on live shows as well as have a limited free picture gallery. I want consumers to pay for time via secured credit card. I dont mind if the site is a branch of a network of girls sites, I am not sure where to start... what companies are reputable. I am very new to this business so ANY advice or even a link to a site that has good advice would be awesome! Thank you to everyone and anyone that can help :) moreVoting Question: Are small business credit cards secured with a person's house? Or is there any other collateral for them?
Thank You moreResolved Question: Secured inventory loan sources?
I'm looking to get a secured inventory loan. I own a small furniture store (in business 4 years, 9 months of that owned by me) that always has about 65K in inventory and I'm currently use my personal savings as working capital. I'd like to find a funding source of about 50K that is secured by my inventory to remove my personal assets/financing from the equation. All my searches for small business secured loans seem to end up leading to unsecured loans, which I do NOT want -- I don't want to personally guarantee the capital since I have all the inventory that should do that. Nor do I want a credit card advance deals. Any ideas? moreResolved Question: Would you send your credit card information in an e-mail if the recipient has a secure server?
I'm trying to make a payment for some services from a reputable business, but they said to e-mail them my credit info and that they had a secure server so it would be safe. However, logic tells me this isn't really a good idea. So what should I do? Well I hear the phone isn't safe to give out this information either. Also there were other options given, but I was just wondering why this was one of them. moreResolved Question: How do I understand my Experian business credit report?
It states the company as medium risk. The only tradelines the company has are business credit cards that are secured personally by my partner and I. The don't show up on my personal credit report so I thought they would be mentioned on the business credit report. They are not on there, so do they affect my business credit score? Also I was wondering how Experian figures out what the sales are. It states the sales as being about 100x what they actually are. I just want to know how to understand how to read the business credit report. Thanks! moreResolved Question: Can you finance a car without a credit History?
Hi i just moved to the States from Europe and definitely things are different here! I got my SSN a week ago and i was told that to build up credit you must start with a secured credit card...finance a car....department credit card (such as Macy's, Target etc..) now i got the 1000$ secured credit card but i was just wondering if i could finance a car with no credit history! i just opened my business here as well and i have a small amount for a down payment! I just don't want too many inquiries on my credit report! Thanks for the Help! I know but enterprise is riping me off for monthly payments! i'm around 1000$! moreResolved Question: Online transactions? Who or what is responsible for security?
I am a visual artist wishing to have my own website where people can buy my artwork directly from my business, wholesale. I have little understanding of how websites even work or how secure they can be concerning issues of online transaction, money, credit cards,...etc. Do I, as the business owner need a really good computer with the best anti-spy or virus software? or do online transactions go through the web-hoster and the web-hoster is responsible the security of money transactions? I just want to protect and insure costumers that my website is %100 secure. I also need to protect my business. How dose online transactions work? Do the transactions go directly into your business's bank account? IF anyone has any suggestions or knowledge, it would a great help. moreVoting Question: Someone has used a fake credit card to buy an item at the company I work for, who foots the bill?
It's a small company with an internet site set up for secure payments. The payment went through all right, passing the checks, but now the bank has come back to say that the delivery address and that of the payee aren't matching, so the payment has been made on a cloned card. The bank claim the company must pay the money, so they're going to lose out on the goods and the payment. Is this correct? I thought the bank had things in place to protect the business in this case, but I'm not sure what they are. My boss feels there's nothing he can do, but I've got him to check with the police who say it's the bank that should foot the bill. Can anyone help, or point me where to find out more? Thanks! Details added: the first instance is about £1500, the second (today) £129. Thanks for answering so fast! My boss is pretty down about this as you can imagine. moreVoting Question: What investment should I pile my spare income into?
Right now I am in high school, but after this year I will be in the Air Force. As an E-3 I will be making around 19k (before taxes, etc.). If I can spare maybe $500 a month (might not be that much, depends where I will be stationed) should I buy some stocks and bonds, or just find a more secure investment while I am in the military? Since I WILL be away from home, I am not sure how often I can update and check how my stocks are doing. After I get out of the military I plan to make buying and selling stocks my career, and maybe own a couple businesses. I am not like most teenagers and my eyes are open to world events, my future, family, children, taxes, credit cards, most everything that a majority of teenagers shut out. moreVoting Question: I am looking for a loan of around $10-15K........?
My credit is 680, I make approx 85,000 per year, been on my job for 3 years. HOWEVER although I have never been late on anything and have a decent score I only have one tradeline. I have a credit card that I have had for 3 years and always pay on time. I'm having a hard time finding someone to look at me because I only have 1 tradeline. I'm looking for either a loan of $30,000 to buy a business and will therefore be able to secure it with equipment and business vehicle title or just a personal loan of $10-15k secured with a smaller amount equipment...... ANybody have some sugesstions on where I can look..... I've tried prosper already but they wouldn't create a profile for me due to limited creit. moreResolved Question: How do I seek out and obtain business partners?
I'm looking to open a cafe and have started putting together all of the details. I need more information, like where to find and how to compare rates on food distributors, advertising, business startup loans, etc. Keep in mind I have NO credit and for whatever reason can not GET a line of secured credit through anyone, banks, credit unions, online cards. I'm a "foodie" so I would like to find quality products and am perfectly creative in the marketing department, if only I knew what methods of advertising have been proven successful for others. moreVoting Question: does using a secured credit card for business improve your credit score ? How? Any suggestions on which one?
credit score between 600-650 i think moreResolved Question: Merchant payment processor agent oppty - what should I ask before signing up with UBC or 1 of their iso's?
I am looking into becoming an agent for United Bank Card. They are a merchant payment processor....http://www.isoprogram.com/why_ubc/ I would like to know the following: 1) is it still a good oppty to go out and sell and secure new merchant credit card accounts if so why 2) what questions should I ask any merchant processing company I or ISO I am considering working with regarding compensation, my portfolio of new accounts i bring in which is my book of business or my business i build up 4) What are the advantages or disadvantages of working directly with UBC as a agent Versus an ISO or under another agent 5) If i go work with an ISO or under another agent what questions should I ask him 6) If i go work with an ISO or under another agent I am concerned my compensation and accounts i sign up, since i do not know how this works what should i be asking about compensation, accounts that I pick up are they his or mine, can i sell them off at some point etccc 7) what should I be getting paid on new accounts and how when i am selling credit card machines and opening new merchant accounts not sure what is considered good fair or excellent compensation 8) what should i be thinking about when trying to decide with which merchant credit card processor to work for, need to know how to determine whom would be a good company to tie up with since I will be building a residual income from the accounts i bring to them concerned about getting hurt in terms of the accounts i secure which is my book of business and whether I can sell it off or whatever not sure of what I should be asking myself concerning this area, need to know what is it exactly I should be asking them when it comes to any new accounts i bring in related to credit card merchant accounts, pos systems, atm's... moreResolved Question: Should I give up on my dreams? Is it time to pack up and get serious? ?
I've wanted to work in the film industry since I was little. I love movies, and I loved escaping into them as a little girl with a semi-harsh childhood. I grew up in New Zealand, but have ended up here in LA - and yes, I work in the film industry. What I want to be is a writer, but that's a long and winding path. I'm working on it. I've been writing as much as I can, and never quite giving up hope. I work for a production company here in LA, and I like the people I work with (for the most part), but although I'm a fairly integral part of the office, I don't see my bosses giving me the real money and position any time soon. And for that matter, I'm not sure I'd want to be a producer/executive in Hollywood. It's so full of BS and I'm a terrible networker. I do still want to be a writer, and I do still write. They did give me a kind of token title change and extra responsibilities lately, but that was only because they realized I was actually going to leave if they didn't do anything. They like me. I know how to keep my mouth shut and do my work well. I have a metric shit ton of student loans that eat up most of my salary. I earn about $45k per year, plus overtime. But since the WGA strike I really haven't had much overtime to earn. $750/mth goes to my student loans. $610 goes to rent. I have $4k in credit card debt that I try to pay down (i put $600/mth on that bitch) but I always end up having to put shit on it (like my car (an 87 honda civic) needed new brakes and a bunch of stuff and that was $450) and so I never manage to get it down very far. Also, I'm not perfect and sometimes I put stuff on the card I really don't need... but never big stuff. Anyway. I've been in LA for three years. Two years spent at this job, and it's is basically going nowhere. Who knows if I'll ever have the career I want. I'm a female, nearing 30 (just over a year away), in a youth/looks obsessed city, and I don't want to be answering someone else's phones when that birthday rolls along. I just broke up with my live-in boyfriend and I have to search for a new place to live, and because of my loans, I have no savings to pay for a security deposit on a new place. I might have to end up living in my car, or sleeping at work providing no one notices. So my question is: Is it time to just pack up and go home? I know I can write from anywhere anyway, but conventional wisdom says if you want to succeed in the movie biz, you have to live in LA. Or should I forget the dream too? I have British Citizenship and could go live with my dad (I didn't grow up with him) who lives about an hour and a half south of London by train. I could commute (with a 12 month season pass it works out to about 14 pounds/day) to London and try and work there - god knows what I'll do, but hopefully something where I'm a little more autonomous. London is infinitely more interesting to me than LA. I have a B.A. from an American University (not a prestigious one) in Film. Yeah. I know. I suck. I also have completed one year of a Bachelor of Business Science from Massey University in NZ by correspondence. I could potentially finish that in two years. Should I do it, move to the UK? Will I be making a mistake career wise if I leave LA? Will I be likely to earn enough to be in an equal or better financial position than I am now? (note, the majority of my student loans are in NZ$ now) Does it matter? Am I really about to pass my use by date when I turn 30? What hope is there for me for a secure future and a family and a real career if I don't have it sorted by then? Should I just say fuck it all and go back to NZ and find a nice dairy farmer in the Bay of Plenty to settle down with? moreResolved Question: Does anyone know of a US bank that offers secure credit cards for small businesses?
moreResolved Question: Cadidate X or Candidate Y?
Candidate X Promises and Plans: 1.)Establish a $10 billion Foreclosure Prevention Fund 2.)Provide $10 billion in Relief for State and Local Governments 3.)Hardest-Hit by the Housing Crisis to Prevent Cuts in Vital Services. 4.)Extend and Expand Unemployment Insurance 5.)Provide a Tax Cut for Working Families 6.)Eliminate Income Taxes for Seniors Making Less than $50,000 7.)Simplify Tax Filings for Middle Class Americans 8.)Fight for Fair Trade 9.)Amend the North American Free Trade Agreement 10.)Improve Transition Assistance 11.)Invest in our Next Generation Innovators and Job Creators 12.)Double Funding for the Manufacturing Extension Partnership 13.)Invest In A Clean Energy Economy And Create 5 Million New Green Jobs 14.)Create New Job Training Programs for Clean Technologies 15.)Boost the Renewable Energy Sector and Create New Jobs 16.)Create a National Infrastructure Reinvestment Bank 17.)Invest in the Sciences 18.)Make the Research and Development Tax Credit Permanent 19.)Deploy Next-Generation Broadband 20.)Provide Tax Relief for Small Businesses and Start Up Companies 21.)Create a National Network of Public-Private Business Incubators 22.)Ensure Freedom to Unionize 23.)Fight Attacks on Workers' Right to Organize 24.)Protect Striking Workers 25.)Raise the Minimum Wage 26.)Protect Homeownership and Crack Down on Mortgage Fraud 27.)Address Predatory Credit Card Practices 28.)Reform Bankruptcy Laws 29.)Work/Family Balance 30.)Expand High-Quality Afterschool Opportunities Candidate Y Promises and Plans: 1.)Workplace Flexibility 2.)Relief for Families 3.)Government Reform 4.)Supporting Small Businesses 5.)Cheap and Clean Energy 6.)Better Healthcare 7.)Simpler and Fairer Taxes 8.)Lower Barriers to Trade 9.)Expanding Domestic Oil And Natural Gas Exploration And Production 10.)Taking Action Now To Break Our Dependency On Foreign Oil By Reforming Our Transportation Sector 11.)Investing In Clean, Alternative Sources Of Energy 12.)Protecting Our Environment And Addressing Climate Change: A Sound Energy Strategy Must Include A Solid Environmental Foundation 13.)Promoting Energy Efficiency 14.)Addressing Speculative Pricing Of Oil 15.)DC Personal Protection 16.)The Confiscation of Firearms After an Emergency 17.)Cut The Corporate Tax Rate From 35 To 25 Percent 18.)Seal the Pork Barrel 19.)Stop the Revolving Door and Restore Ethics 20.)Democracy is Not for Sale 21.)Excellence, Choice, and Competition in American Education 22.)Comprehensive Immigration Initiatives for a Secure Nation moreResolved Question: $$$TURN $6 INTO 24600?
As Seen On OPRAH & 20/20 - TURN $6 into $24600 Earn money using PAYPAL as seen on Oprah & 20/20 THE PAYPAL 6 DOLLAR MONEY-MAKING METHOD AS SEEN ON OPRAH EARN HUGE $$$$$$$$ all you need is: 1) An email address 2) A PayPal account 3) $6.00 THIS IS A 2007, CURRENT EMAIL LIST Ever since the internet became popular, the word "scam" has become a daily term. I have never once tried any money making "system" outside of this because of that very reason. However, after reading reports on the validity and reputation of this money making system (seen on Oprah, CNN, and other media forums) I decided to give this one a shot... Especially since the so called "risk" is only $6.00. I mean, for the chance, what a joke right? Anyway, only hours after implementing this exact system I about fell out of my chair as money ACTUALLY started rolling in. I couldn't believe it and for that reason, I wrote this intro and became a believer in this system. WHAT IS IT? The idea is that of a system that takes advantage of the power of compounding. And in a big way, let me tell you. First and foremost understand that there are countless spin-offs of this system that try to make a "quick buck" off of people. Long lists, the 5 & 10 dollar trees, the birthday systems, etc... Those spin-offs do make money because of the ease of implementation of this idea, but they do NOT use the compounding advantage. This system is THE legit and profitable one. Here is how it works... There is a list of 6 email addresses (you'll see it as you read further). Each of these people has already taken part in this system. When someone new comes along (such as yourself) he/she removes #1 off of the list, moves the other five email addresses up one position (i.e. #6 goes to #5, #5 to #4, etc.), and places their PayPal email address in the #6 position. This process is what develops the power of compounding. The bottom line is this... Honesty and Integrity creates Profitability. Following this EXACT process is what creates the money, and that is why this system has been raved about in the media. Altering the system creates weak results. The legality of this system comes from the idea that you are of course creating a mailing list, and a "service" is being provided (more on that later.) Now on to how your $6.00 creates BIG money... INSTRUCTIONS: STEP 1: The first thing to do is highlight and SAVE this entire post in word or notepad on your computer so you can come back to it later. After that, if you are not already a PayPal user you need to go to the PayPal website at https://www.paypal.com/au/mrb/pal=CW4RHQW7BQJKC and SIGN UP. If you want to be able to receive credit card payments from other people then you will need to sign up for a PREMIER or BUSINESS account (not just a PERSONAL account). This is highly recommended to allow others easy payment options. In order to place the initial $6 into your account, you will have to verify your bank account with PAYPAL (which may take a few days). PAYPAL is 100% secure and is used by millions of people worldwide. STEP 2: Here is where the action occurs. The first thing to do is to send a $1.00 payment to each of the 6 email addresses on the current list from your PayPal account. To do this quickly and successfully, follow these simple steps: 1. Login to PayPal and click on the "Send Money" tab near the top of the screen 2. In the "Recipient's Email" field enter the email address 3. In the "Amount" field enter "1" (This is your $1.00 payment) 4. In the "Category" field select "Service" (Keeping it legal) 5. In the "Subject" field type "EMAIL LIST", and in the "NOTE" field enter "PLEASE PUT ME ON YOUR EMAIL LIST". By doing this, you are creating a service and maintaining the legality of the system by "paying" for the service. 6. Finally, click on the "Continue" button to complete the payment. Repeat these steps for each of the 6 email addresses. That's it! By sending the $1.00 payment to each address, you are implementing the compounding POWER of the system. You will reap what you sow! Here is the current e-mail list: ************************************************* The email list: 1) 2)veemartinez@gmail.com 3)corina@bigpond.net.au 4)apriladelaide@yahoo.com 5)haneefgroup@yahoo.com 6)oliviapinkney@yahoo.com ************************************************ STEP 2: Now take the #1 email off of the list that you see above (from your saved file), move the other addresses up (6 becomes 5, 5 becomes 4, etc.) and add YOUR email address (the one used for your PayPal account) as number 6 on the list. This is the only part of the document that should be changed. ** Make sure your email address is the one you have registered with PayPal ** STEP 3: Post your amended article to at least 200 newsgroups or message boards. moreResolved Question: Is this a valid e-mail sent from Amazon Marketplace, or did I get scammed?
I made a purchase two weeks ago on Amazon Marketplace, not having ever used it (I prefer eBay honestly) so I don't know if the following e-mail is legit or if I got scammed. The reason I'm asking is because it's been two weeks and I haven't received my product, and I'm getting worried. Anyone who has experience with Amazon, please help. Thanks. Dear myemailhere@gmail.com, We're writing to confirm your purchase of the following Amazon Marketplace item from sellerhere@aol.com: 1 of Flexiglow Fx Game Pad [Electronics] ************************************************** Safe Shopping Tips Amazon.com works hard to protect our customers. For your safety, when ordering items advertised by sellers other than Amazon.com: * Always place your orders directly through the Amazon.com shopping cart using Amazon Payments. Never send money directly to sellers through wire transfers or checks; we do not guarantee such transactions. * Beware of e-mails that request direct payments, request payment to international locations, or ask for personal information. Amazon.com will never e-mail you to pay for Marketplace transactions outside our shopping cart, or ask you to confirm personal information such as a credit card number or password via e-mail. If a particular e-mail looks suspicious or unusual, please contact us directly. Reporting suspicious activity at http://www.amazon.com/gp/help/reports/contact-us will help us enhance marketplace safety and serve you better in the future. For more safe-shopping tips, read about Safe Online Transactions at http://www.amazon.com/safe-secure. ************************************************** Amazon Payments has charged your credit card for this purchase, and the funds have been credited to your Amazon Marketplace seller. On behalf of the seller, sellerhere@aol.com, we thank you for your purchase. The seller has agreed to ship by 13-August-2008. This message serves as advance notification of your shipment--most sellers will NOT send a separate shipment confirmation. Your order will be shipped via the standard shipping method (usually regular surface mail). The arrival expectation is 4 to 14 business days. In some cases, this may take 21 business days or longer to arrive. If your shipment does not arrive by 31-August-2008, please contact the seller to check the status of the shipment. Your seller should provide the same level of customer service you expect from Amazon.com. QUESTIONS? If you have questions about this order, including the status of your shipment, reply to this e-mail to get in touch directly with your seller. For more general questions, you may find answers to those questions here: http://www.amazon.com/gp/help/customer/display.html/?nodeId=537796 Here's your receipt. --------------------------------------------------- Amazon Marketplace Receipt Date: 10-August-2008 Order #: 058-4012098-7162743 1 of Flexiglow Fx Game Pad [Electronics] $21.80 Buyer: myemailhere@gmail.com Seller: sellerhere@aol.com Shipping & Handling: $5.49 Your Total: $27.29 Paid via Amazon Payments Using: XXXXXX Your Shipping Address: XXXXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXXX Shipping Method: Standard Mail --------------------------------------------------- To view your transaction status at any time, access Your Payments Transactions: http://www.amazon.com/gp/css/history/view.html Thank you for making your purchase via Amazon Marketplace. Amazon.com Customer Service http://www.amazon.com moreResolved Question: How can I spice up my resume??
I am a mediocre student, just starting to get decent grades. I am about to enter my senior year. I have worked full time jobs. Never had an internship, volunteer experience. etc. Should I include my accomplishments at each job instead of duties? ADDRESS HERE PHONE NUMBER • EMAIL NAME HERE OBJECTIVE To obtain an entry level position that will allow me to utilize my customer service skills as well as the knowledge gained and skills developed from my previous work experience and education. EDUCATION Completion Date: May 2009 Xavier University New Orleans, LA Major: Finance Minor: Business Administration WORK EXPERIENCE 05/2007 - Present MedPage Today Little Falls, New Jersey Onsite Manager •Travel United States to represent company in all aspects and fashion. •Assist in complete set – up and display of booth and networking scheme to consistently build clientele. •Document Doctor/Nurse Information and report numbers back to company to record our productivity. 09 – 2007 – 05/2008 Ritz Carlton New Orleans, Louisiana Front Desk Agent •Assist guest with both checking in and out of the hotel while maintaining a certain mystique and exceptional customer service. • Post charges to guestrooms, verify credit cards, balance bank at the end of the shift. •Distribute information to guest in a timely manner and assists in rectifying guest questions and concerns. 09/2002 - 12/2006 Banana Republic New Orleans, LA Cashier/Sales Associate •Maintained high levels of customer satisfaction by providing customers with exceptional customer service. •Provided training for new employees to maintain store performance. •Performed cash support services with operations team. •Consistently met sales goals while multi-tasking to meet managerial expectations. 01/2006 - 05/2006 Hudson City Savings Bank Teaneck, NJ Bank Teller •Building lasting relationships with customers in order to build rapport. •Securing mortgage payments for customers. •Performed daily banking activities such as: cashing customer checks, and depositing funds into customer accounts. moreResolved Question: How do I get over this anger with my husband who has ruined us financially????
My husband has ruined us financially. He went into a business deal that I suggested he not. He obviously did not take my advice. When he did this, I asked him to at least secure some things for us. He did not- he put everything we had on the line. The business failed leaving us with no money, no home. Additionally, he has significantly affected the credit and finances of my extended family by not being able to follow through with what he promised them. I understand that it was their ultimate decision, but I feel badly because my husband can be very convincing. He got me to take 100m on credit cards which we cannot now pay. I have always been a very stable and successful person financially. He has been irresponsible in the distant past but had been stable for 10 years or so. How do I get over this anger? Has anyone else experienced anything similar and how did your marriage survive? BTW, we have little children who love their daddy. Otherwise, I'd be gone. Since I can't, I need help making this work and I first need to get over this anger. moreResolved Question: One effect of business expansion after world war 2?
One effect of business expansion after world war 2 was? a. lower wages for most workers b. the weakening of labor unions c. a shift in the work force from blue-collar to white-collar jobs d. a major decline in working conditions for most americans One long-lasting effect of the major highway-building projects of the 1950s was? a. a reduction in the number of cars built b. less reliance on the publice transportation system c a shrinkage of the trucking industry d the disappearance of suburban housing Unlike betty friedan, pediatrician benjamin spock believed that women should a stay home with their children b contribute to the family income c remain mainly inteaching and nursing d exlpore creative new roles for themselves One of president trumans greatest challenges in reconverting to a peacetime economy was a keeping inflation in check b appeasing women who lost their jobs to returning soldiers c securing passage of the taft-hartly act d encouraging mass prodction of consumer goods Which of the following factors made it seem that harry truman had little chance of winning reelection in 1948? a. he had lost some support in his own party b. he had opposed the Taft-Hartley act c he had received illegal gifts d he campaign style was dull Television helped spur economic growth through its a finacial programs b. childrens programs c credit cards d advertisements After the years of depression and war, mos americans were searching for a adventure b problems to solve c. security d new roles for men and women Category moreResolved Question: Does anyone know if this scheme actually works????
As Seen On OPRAH & 20/20 - TURN $6 into $24600 Earn money using PAYPAL as seen on Oprah & 20/20 Here is how it works. There is a list of 6 email addresses (you’ll see it as you read further). Each of these people has already taken part in this system. When someone new comes along (such as yourself) he/she removes #1 off of the list, moves the other five email addresses up one position (i.e. #6 goes to #5, #5 to #4, etc.), and places their Papal email address in the #6 position. This process is what develops the power of compounding. The bottom line is this. Honesty and Integrity creates Profitability. Following this EXACT process is what creates the money. Altering the system creates weak results. The legality of this system comes from the idea that you are of course creating a mailing list, and a service is being provided. INSTRUCTIONS: STEP 1: The first thing to do is highlight and SAVE this entire post in word or notepad on your computer so you can come back to it later. After that, if you are not already a Papal user you need to go to the Papal website at www.paypal.com And SIGN UP. If you want to be able to receive credit card payments from other people then you will need to sign up for a PREMIER or BUSINESS account (not just a PERSONAL account). This is highly recommended to allow others easy payment options. In order to place the initial $6 into your account, you will have to verify your bank account with PAYPAL (which may take a few days). PAYPAL is 100% secure and is used by millions of people worldwide. STEP 2: The first thing to do is to send a $1.00 payment to each of the 6 email addresses on the current list from your Papal account. To do this quickly and successfully, follow these simple steps: 1. Login to Papal and click on the Send Money. Tab near the top of the screen. 2. In the Recipient’s Email field enter the email address 3. In the Amount field enter 1. (This is your $1.00 payment) 4. In the Category field select Service. (Keeping it legal) 5. In the Subject field type EMAIL LIST. And in the NOTE field enter PLEASE PUT ME ON YOUR EMAIL LIST. By doing this, you are creating a service and maintaining the legality of the system by paying for the service. 6. Finally, click on the Continue button to complete the payment. Repeat these steps for each of the 6 email addresses. That’s it! By sending the $1.00 payment to each address, you are implementing the compounding OWER of the system. You will reap what you sow! Here is the current e-mail list: ************************************************* #1) mg152...@hotmail.com #2) t_terrete...@msn.com #3) lilmikey0...@aol.com #4) fbridge...@hotmail.com #5) germaine...@hotmail.com #6) smo3053@aol.com ************************************************ STEP 3: Now take the #1 email off of the list that you see above (from your saved file), move the other addresses up (6 becomes 5, 5 becomes 4, etc.) and add YOUR email address (the one used for your Papal account) as number 6 on the list. This is the only part of the document that should be changed. ** Make sure your email address is the one you have registered with Paypal ** STEP 4: Post your amended article to at least 200 newsgroups or message boards. Keep in mind that there are tens of thousands of groups online! All you need is 200, but remember the more you post the more money you make - as well as everyone else on the list! Use Netscape, Internet Explorer, Firefox, Safari, or whatever your internet browser is to search for various news groups, on-line forums, message boards, bulletin boards, chat sites, discussions, discussion groups, on-line communities, etc. For example, log on to any search engine like yahoo.com or google.com and type in a subject like “MILLIONAIRE MESSAGE BOARD”, “MONEY MAKING DISCUSSIONS”, “MONEY MAKING FORUMS”, or “BUSINESS MESSAGE BOARD”, etc. You will find thousands and thousands of message boards. moreResolved Question: about paypal?
pls tell me more about paypal. im opening an online school business and i was thinking of accepting payments through paypal. is it secure? how and where do I get the payment after they pay me online with their credit card? moreResolved Question: Social security number and theft?
Is there a way to find out if someone is using your SSN for employment? My husband works at a resteraunt in the kitchen and knows for a fact that there are some illegal people working there. The managers knows these people aren't legal. Which, great. Whatever. It's their place of business. That's not my concern. We were discussing that people's social security numbers must get stolen and may get sold so that people can "verify" their legalization status so they can get a job. I am assuming his coworkers filled out applications and put a "social security number" on their apps. I was just wondering if there is a way to find out if someone is using or has used your SSN for something other than applying for credit cards, etc? I haven't had any issues, but I honestly wouldn't appreciate my number being used unlawfully. We all deserve to have our numbers secure, which we know they are not. moreResolved Question: Someone stole my mom's credit card information over amazon.com?
and then they charged her $500 dollars worth of stuff to her card. in the end, she resolved the situation and got her money back, but now, she's super paranoid about putting her credit and debit info on the internet. and now that i have a new ipod touch, i need to make an account. im just putting stuff i had from cds on my ipod, but to get applications, even though they're free, i still need to have an account. my mom says that its her information, and that she doesnt want to "risk it." she says that once i have my own credit card, i can do it, but im only 15! i tried to show her all the information on how secure itunes is, but shes still not convinced. what can i do?? im not going to buy anything, and they're not gonna send her anything either. i just need to have an account to get applications on it. please help! what should i tell her? I already asked this in Business and Finances>Credit, but i only got one answer :] moreResolved Question: I'm a college student who has no credit and has never had a job, what is the best way to get good credit?
Let me tell you what I'm planning on doing for my first business venture. I live in a college town where subpar housing is rented out for crazy prices. What I want to do is to start purchasing some of these properties while the market is down, and rent them out to college kids for as much I pay monthly on the mortgage. The problem is, I have no money to use as a down payment and no credit to secure a loan. I could always have my dad co-sign for me, but I would rather undertake this venture on my own. So I figure I'll have to either fully finance any properties and be hit with PMI, or get seperate loans. Even then, I still have no way of getting a loan. So my question is, what are the best ways to start off my credit history on a positive note so I can be approved for a loan? Getting a credit card and paying payments on time? What else? And even if I do eventually make my credit good, will I be able to get a loan if I do not have a job (since I'll be relying on renters to cash flow)? I am a full time student and I am NOT looking for a student loan for school. My father pays for my education, thank god. moreResolved Question: Small business credit cards that do not require owner's social security number?
I am a small business owner trying to establish credit. I've been in business for 2 years, incorporated for 4 months. I want to keep my personal credit completely separate so I refuse to sign up for credit cards using my social security number. I only want credit attached to my tax id number. So far a Staples vendor credit card for $750 is all I have been able to secure. Can you make other suggestions for business credit cards that do not require my social security number? I am interested in any type of vendor. Thanks so much. I am incorporated. I do have a business bank account separate from my own. It is possible to get store credit cards. Staples for instance does not require personal info only business info. Do you know of any others? moreResolved Question: is this a normal reaction ?
just so your aware, heres my situation in life : and how will i accomplish my goals and dreams at such a late stage in life at many disadvantages ? the dreams of leaving the uk, (emigrating ) to a hot climate, attaining a good paying computer job...finding a loving wife...attaining a secure happy life...my own home ? how will i ? ive been out on some errands today, to the bank, to see about getting a credit card & then to the hospital concerning the cracked skin on my penis head ( dermatology ). i notice people outside happily going about their business, with a purpous....friends together.....couples.....business associates.....i feel left out.....alone in the world....on a solitary mission to salvage a life for myself.. people carry on without me oblivious to my struggles through life...oblivious to my presence.....i feel on the fringes...left out of society....like everyones miles ahead of me in life......everyones happy...i notice big grins. this makes me feel angry, bitter and isolated. plus heres my situation in general : i feel alienated and singled out in life.....like on my own like no ones really suffered or missed out in life as much as me... im 30 now, waiting for psychotherpy, suffer with borderline personality disorder and ptsd......im building my life up from scratch..virtually.. ive missed out big time.....never formed any relationships ever......always suffered extreme low self esteem..........never been employed......never gained any qualifications.. i live alone in a one bedroom flat on disability.....ive been extremely lonely and vulnerable all my life...have a long mental health record...acriminal record going back 8 year.. suffered severe abuse mentally and physically throoughout my life...bullying etc.. have no social support network plus never had one either.. i feel so angry and bitter im sorry.......because who has had it as bad as me to me degree ? i feel so alone, singled out....perceieved by society as a sad loner who nobody wants to know.. everybody else to me looks happy like their out living their lives being contented.. i feel like nobodies had it as bad as me or have missed out to my extent... i want to overcome these feelings but how do i when ive had it so bad ? i dont want to be known as this loner sad guy who had it worse than everybody else.....whos suffered more.. and yet i worry thats how people see me sometimes.. * before i was watching italy vs france in the football.....and it showed you a snapshot of some blonde girl in the italian fan crowd.. she looked about 22, she had a huge wide ridiculous grin watching her team winning, celebrating.. a huge wide grin. watching that made me feel really angry, i clenched my teeth really tight. everything i have to cope with in life and there is someone carefreely enjoying her life oblivious to the depth of my struggles.. why do i feel like that and how can i stop it ? moreResolved Question: 2 things : life & people seemed to have moved on without me & i feel left behind in life, what will i do ?
and how will i accomplish my goals and dreams at such a late stage in life at many disadvantages ? the dreams of leaving the uk, (emigrating ) to a hot climate, attaining a good paying computer job...finding a loving wife...attaining a secure happy life...my own home ? how will i ? ive been out on some errands today, to the bank, to see about getting a credit card & then to the hospital concerning the cracked skin on my penis head ( dermatology ). i notice people outside happily going about their business, with a purpous....friends together.....couples.....business associates.....i feel left out.....alone in the world....on a solitary mission to salvage a life for myself.. people carry on without me oblivious to my struggles through life...oblivious to my presence.....i feel on the fringes...left out of society....like everyones miles ahead of me in life......everyones happy...i notice big grins. this makes me feel angry, bitter and isolated. plus heres my situation in general : i feel alienated and singled out in life.....like on my own like no ones really suffered or missed out in life as much as me... im 30 now, waiting for psychotherpy, suffer with borderline personality disorder and ptsd......im building my life up from scratch..virtually.. ive missed out big time.....never formed any relationships ever......always suffered extreme low self esteem..........never been employed......never gained any qualifications.. i live alone in a one bedroom flat on disability.....ive been extremely lonely and vulnerable all my life...have a long mental health record...acriminal record going back 8 year.. suffered severe abuse mentally and physically throoughout my life...bullying etc.. have no social support network plus never had one either.. i feel so angry and bitter im sorry.......because who has had it as bad as me to me degree ? i feel so alone, singled out....perceieved by society as a sad loner who nobody wants to know.. everybody else to me looks happy like their out living their lives being contented.. i feel like nobodies had it as bad as me or have missed out to my extent... i want to overcome these feelings but how do i when ive had it so bad ? i dont want to be known as this loner sad guy who had it worse than everybody else.....whos suffered more.. and yet i worry thats how people see me sometimes.. i just want a happy secure life, to attain a loving relationship.......to get a good paying job in computers... to move away from england to a hot country...starting a fresh.. im afraid of going through my life alone and never accomplishing these goals being stuck in this situation.. how can i handle these feelings ? i know its long but i hope you can read it and understand what im saying ( plus people look at me like they feel sorry for me ) and i dont like that, i want to be taken as iam moreResolved Question: does anyone know of a bank or company that will issue a "secured" business credit card??
I need a small business secured credit card...does anyone know of any company or bank that offers such a card?? I have been to all of the secured credit card and bad credit sites...I need someone who knows if there is a bank or card company that issues a small business a secured credit card.......thanks moreResolved Question: Are we doing the right thing?
My hubby is 57 & saves $20,500 + employee contribution in his company's 401k per yr. I am 40 & save $1333 per month in an investment account &I also contribute a portion of that to my SEP. We also put away approximately $15k-20K a year in another investment account. We have a financial advisor who oversees our accounts. My husband will have a company pension of about 45% of his ending income. We have no bills except for my husband's early retirement car (BMW 335i cvrtbl) which is financed at 4.20% for 24 months and we owe 20 more payments. My question is, are we doing the right thing? The stock market is horrible and it's hard to keep sending in money to our investment accounts. We have a reg. savings acct for emergencies. His job is very secure (Oil Drilling Company) and I'm self employed & thanks to Katrina my business is steady..Can anyone suggest anything else?Life/health insurance is good. Two kids in college no loans. no credit card debt. Email me for more information When he retires he'll also rec. a lump sum of about $70k. Sorry..forgot to add only serious people please. The first two posts were stupid. Trying to see what other savings or investing vehicles may be availble moreResolved Question: Do u use your credit card online ?
Do u use credit card for making payments online? Do u feel secure in using ur card online?. Actually i am appearing for this Oxford business plan cometition where in we are developing alternative payment methods for online purchases , we plan to open payment kiosks at various locations (like grocery stores etc) where u can pay cash for ur purchases , what happens in our model is that you order something online u get a order code for that particular order , which is valid for a fixed time , u got to the store and pay in cash the amount for that order and ur order gets processed , other wise the order terminates if payment is not made in that period , so the model is pretty safe as well.., so wud u prefer to use our mode of payment instead of the credit card ? for using our service u just need to sign up ( like for email ) and pay a little annual fee... please give ur suggestions for developing the model Thanks!! thanks bubblegumbum.... how about if we placed the cash recieving counter in every apartment building ? or we ensure that the counter is accessible to all that is the person can just go there as a evening walk.. like it is so near to u that u can just go for a stroll and make payment in the evening for ur day's purchases ? Please give ur suggestions... moreResolved Question: Where can i get help building my business credit?
have a brand new business and I am seeking a business credit card that does not require a personal guarantee. My business is so new that I have just started receiving clients so I don't show a profit yet. Are there any RELIABLE & Trustworthy credit card companies that will issue a credit card, even for just a few hundred dollars worth of credit, so that I may start building a credit rating for my business? Unsecured is prefered but I would settle for secured if need be. Thanks in advance for your help!! moreResolved Question: Considering Filing for Bankruptcy in Virginia?
I have recently lost my job after being in the telecommunications industry for ten years. I have had no luck finding a new 9-5 job with a regular salary. I have been forced to take a job full time at a restaurant. I have over $29,000 in credit card debt most with APR's in the high 20's. I have done my best over the last 6 months to keep up with my minimum payments but am finding it impossible recently to balance my debt along with my living expenses. By living expense, I do mean the bare minimums. Rent,utilities, gas, food etc.. I have not wasted funds on entertainment or purchases other than does required for work. I had an hour long conversation today with a debt consolidation company. It is has been in business since 1965 and is non-profit. I actually used their services in the past to consolidate debt that I managed to pay off about 8 years ago. They analyzed all of my assets, income, debt and overall financial situation. They determined that I was running at a 65% deficit between what I am brining in and what I owe. They recommended that, although it may sound harsh, my best option was to file for bankruptcy. They determined that I would not be able to keep up with any type of repayment schedule that they would negotiate with the banks and that a fresh start may be my best option. I have avoided the thought of filing for bankruptcy in the past for several reasons. But now that my income is at an all time low and my job prospects do not seem to be sorting themselves out in the near future, I do not now what other options I have available to me. Needless to say, the stress of the whole situation has been making life extremely unpleasant. I am single, have no kids, and will not be purchasing a house in the near future. The only asset I own, is an 8 year old car. I have five questions: 1) Other than having a bankruptcy ruling on my file for the next ten years and not being able to secure credit, what are the other disadvantages of filing for bankruptcy? 2) I do not have disposable income. I am making enough to pay for essentials. Would my chances of having the entire debt excused be good? Or would I still be responsible for paying a percentage? 3) I know from my corporate experience that my credit file would be reviewed during the job applications process. I am considering a career with the Federal Government. How would a bankruptcy ruling be looked upon by the government during the job application process? 4) How much with a reputable bankruptcy lawyer cost me? 5) I have also read that another option is to do nothing and ignore my creditors. The following excerpt below is from http://bankruptcy.findlaw.com/ . Is this plausible? Do Nothing Surprisingly, the best approach for some people deeply in debt is to take no action at all. If you're living simply, with little income and property, and look forward to a similar life in the future, you may be what's known as "judgment proof." This means that anyone who sues you and obtains a court judgment won't be able to collect from you simply because you don't have anything they can legally take. (As a famous song of the 1970s said, "freedom's just another word for nothing left to lose.") Except in unusual situations (being a tax protester or willfully failing to pay child support) you can't be thrown in jail for not paying your debts. Nor can a creditor take away such essentials as basic clothing, ordinary household furnishings, personal effects, food, or Social Security, unemployment, or public assistance benefits. So, if you don't anticipate having a steady income or property a creditor could grab, bankruptcy is probably not necessary. Your creditors probably won't sue you, because it's unlikely they could collect the judgment. Instead, they'll simply write off your debt and treat it as a deductible business loss for income tax purposes. In several years, the debt will become legally uncollectible. And in seven years, the debt will come off your credit record. I am planning on contacting a bankruptcy lawyer for further advice but wanted to get an idea as to what I am dealing with before I further the process. I appreciate any feedback the Yahoo community is able to provide! Thank you in advance!! moreResolved Question: how do i get people from malaysia to pay me via paypal if they have no paypal accounts?
I'm a malaysian staying abroad and im planning to sell products that are primarily marketed to teenagers in Malaysia thru the internet. paypal seems like the most secure and hassle-free way for my customers to pay me, however most of my target customers dont have paypal accounts, US bank account or credit cards (from what I read in paypal's FAQ), so that's a major problem with my business right now. can someone tell me how these teenagers can send money from malaysia to me via paypal if they want to buy my stuff but dont have a paypal account, or dont have a US bank account or credit card? moreResolved Question: In your opinion, how hard would it be for my sister to get a good job on parole?
My sister gets out in June—she was in prison for credit card theft for 7 years. How hard will it be for her to secure a good job—she is a great looking smart gal with sales experience. She has done her time for the BAAAAD choices she made. If you own a business, what would you think about hiring her? moreResolved Question: How/Where can I get a SECURED BUSINESS CREDIT CARD?
I know that a vast majority of banks offer a secured PERSONAL credit card (got that), but I was wondering how might I be able to find this for my business? Please help - Thanks! moreVoting Question: How to charge money over the phone?
I want to charge credit cards over the phone using my business cell phones, kinda like a 900 number would, but I don't want to put down a thousand $ for that if I can find an alternative, I want to have a legit and safe secure way to charge someones credit card over the phone before connecting them to the employee. Any idea? Thank you for the help moreResolved Question: Bit complicated any advice please?
My partner Adam and his friend Tom worked at the same place but had opposite shifts so when one of them was in work the other would be off. Adam decided to set up his own business and began going about it but the only problem he has was finding the money to start it going as he had nothing to secure a loan on and had bad credit from a few years back.Tom suggested that they should go into business together as a partnership and that his father would lend Adam the money as a personal loan. This was agreed and a contract was written and signed about the repayments. Although the business name is in both accounts the accounts are only in Toms name because of Adams bad credit. As soon as the business took off Tom quit his job. My partner is still in his employment and also runs the business three days a week. Tom treats the business as his own as Adams money came from his father ands uses the bank card for personal expences and takes a weekly wage from the account. what rights as Adam got? moreResolved Question: Paypal Question?
i want to register for a paypal account but paypal wants me to disclose on their registration my credit card details which i think am not prepared for bec. i believe it is very confidential. is it possible to receive payments from overseas if i dont disclose my credit card details? how do i get the payment then? i am very new with paypal and i want to know if it is very much secured! if i have a business and my customers pay me through paypal, how do i receive the money? more
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