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The Small Business Zone: Uniquely Serving Entrepreneurs' Business

All the information that an entrepreneur needs to launch a new business or grow their existing small business is neatly, and intuitively organized. They see exactly what they are looking for, nothing more, and nothing less. Its as if someone had done their homework for them. Imagine that.

"The web is a great source for information if you are planning to start a new business or already have a small business" said, Fetie Kaynata (CEO of ISYL). "However, consider the amount of time you have to dedicate to pull together the pieces of information you need in order to move forward on the next step. If you are not well adept at conducting searches on the web by looking for the same piece of information in a variety of ways, you will not come up with the right pool of information in the subject area. more

Ultra Motors launches high range electric scooter

In fiscal 2007-08, the company had a technical collaboration cum-joint marketing agreement with Hero Exports to produce and jointly market electric two-wheelers in India.

He said it was proposed to increase the dealerships across India from 150 to 275, thereby ensuring a pan-India presence.

Ultra Motors has plans to invest Rs 140 crore in three years in product development, marketing and distribution.

Pointing out that Kerala offers a huge potential for electric two-wheelers, he said Ultra Motors has received good response for 'Velociti' electric two-wheelers launched four months ago. About 300 units were sold in just four months.

With rising petrol prices, customers have a good option in electric two-wheelers, he said, adding that there was good response in Gujarat, Andhra Pradesh and Rajasthan, where electric two-wheelers were launched. more

Salary: £413000 (as BBC communications and marketing director

And partly because Davie, a former marketing man at PepsiCo Europe and Procter & Gamble, who joined the BBC as director of its marketing, communications and audiences division in 2005, still has it all to prove.

With no radio experience in the corporation's most important radio job, there will be no shortage of critics if he fails to consolidate Abramsky's impressive legacy.

BBC Radio is in rude health, having just taken a record lead over its commercial radio rivals.

But one of Davie's key challenges will be building on the early success of digital audio broadcasting (DAB) radio, which has stalled with commercial players unable to make digital pay.

One of the highpoints of Davie's three-year BBC career so far was the launch of the iPlayer broadband TV service, in which he played a key role. more

BDN Aerospace Marketing Sponsors Global Photo Contest

BDN Aerospace Marketing (BDN) is sponsoring a contest to discover and promote the world's best aerospace photographers.

One top-prize winner will receive $1,000, and the front cover spot on BDN's 2009 calendar. Thirteen others will receive $100 each. Their photos will also be used in the calendar, which will be distributed to aerospace companies and personnel worldwide.

Entries will be accepted through Sept. 15 and will be judged by three industry experts:
* Jay Miller, Chairman of the International Society for Aviation Photography
* Caroline Sheen, Photography & Art Editor, Air & Space Smithsonian magazine
* Mark Bennett, a founding partner of BDN Aerospace Marketing

“The contest is intended to promote the aerospace industry and to find and showcase talented photographers," Bennett said. “We want to capture and convey the allure and excitement of aviation— and share it with the world."

Photos should have a clear aviation/aerospace point of view. more

@ IAB Mobile: Marketing To Smartphones Or Feature Phones?It's Not

If only there were more smartphones in use, there would be a lot more dollars going to mobile advertising, a group of panelists readily agreed on a morning panel at the Interactive Advertising Bureau's Mobile Leadership Forum in Manhattan. Click-through rates and pageviews are all higher on smartphones. Although those devices are in the minority, Jeff Arbour, VP, Mobile Integration for The Hyperfactory, points out that smartphone web usage is over-indexed. And a few tweaks to a site aimed at smartphone users can make a big difference, Arbour added. For example, he claimed that a minor site redesign to a client's mobile destination led to 2 million more users a week. Asked whether he feels mobile campaigns should be targeted more directly to a distinct demographic of young, early-adopter types, Arbour said while it makes sense to keep in mind who's using devices like smartphones, it makes more sense to consider the products target and use the most relevant medium. more

Latest Small Business Credit Cards Bad Credit News

Too small to succeed? Firms still not getting the ... - St. Louis Post-Dispatch

... categorize solar installations as construction outlays, he said, and "banks have a bunch of bad construction projects on their books." A typical solar power installation for a small- to midsize business ... turned to credit cards to survive.

What Are Secured and Unsecured Credit Cards? - Associated Content

When your credit is bad, it can be difficult to get a credit card. And as you may quickly discover, credit cards are a necessary part of transacting business. Without a credit card, it's impossible to rent a car, book a hotel room, or buy airline ...

New law doesn't help business credit cards - Yahoo Finance

... survey reported that they used credit cards to finance their firms during the previous year, according to the National Small ... Shifting business card spending to a personal card in order to be covered by the CARD Act may also prove a bad idea ...

Couple hope to win bid for neighbor's home at tax sale ... - Indianapolis Star

She withdrew $6,000 from the bank near her small Southeastside home, drove Downtown and went to the City ... They filled the Public Assembly Room and held up house-shaped bid cards as officials from the Marion County treasurer's office called out ...

Can I lower the interest rates on my credit cards? - Natchez Democrat

... free copy of your credit report every year from each of the three major credit-reporting agencies: Experian, Equifax and TransUnion. To save time, log on to www.annualcreditreport.com to access reports from all three. For a small ... with bad

Review: CineDine not Oscar-worthy yet - Omaha World-Herald

I realize, however, that I'm only a small sliver of the general movie-going audience ... You claim your tickets at the second-floor box office or by swiping the credit card you used to purchase the tickets at an unmanned kiosk in the main level.

The Great Contraction In Credit Is Hurting Small ... - Nuwireinvestor.com

The inability for small business to tap the credit ... out the bad debt that is still carried on their books. See the following post from Expected Returns . While our government continues to borrow at a torrid pace to keep this house of cards from ...

Calling Them Out: Michigan doesn't need a state-owned ... - MLive.com

John Gleason, D-Flushing, and other Democrats propose, is a bad idea. Such a bank would ... bank that would offer agricultural loans, loans to small businesses, low-interest student loans and low-interest credit cards. The presumption here is that ...

The Business Credit Blog - All Business

... of the Top 10 Myths surrounding the corporate credit industry. A must read for entrepreneurs and small business ... this is bad on the credit bureaus scoring scale. So, my credit score took another hit. Then I have some credit cards with Chase ...

College kids should consider the lament of the small ... - Lodi News-Sentinel

That's not as good as some college administrators, but not bad considering how competitive the business world is. Now, the first thing that happens ... Some of that cost I put on credit cards, hoping to pay them off someday. I have two employees.

Resolved Question: Is this what Barack Obama has planned for us?

The Dinner Roll .. Once upon a time I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a FREE country. There's nothing that the government can do to me if I've broken no laws. My wealth was EARNED honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate and began nibbling it as he walked back to the kitchen.. "Sorry 'bout that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother, Eric, is very thirsty," said the President. I didn't say anything. The President is testing my compassion, I thought. I withheld my comments and decided to play along. I don't want to seem unkind.. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout, "that was my coat!" But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak, and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," he added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Erics and Andrews out there and they can't come to you for jobs groveling like beggars...we need to spread YOUR wealth around..." I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if it were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, President Obama suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said. more

Resolved Question: Buying a car with bad credit?? please help?

I'm buying a car for first time and I'm 23 years old, have small business income range between $ 5000 to $ 7000 monthly...I've been working there for 8 months now. I had some credit issues when I was in high school. I've paid off everything. Currently renting an apartment, utilities, cell phone bills under my name and always paying them on time...I'm trying to get a car around $ 20000 range and willing to put down payment for $ 5000....have no credit cards at the moment...do you think I can get a car loan??? please help more

Resolved Question: Question About College for a 40-Year-Old Female...?

Bear with me, this is a bit lengthy. I am female, nearly 40 with family, especially 76 year old father coaxing me to pursue a college degree to land "secure employment" with benefits. Let me shed a little light with regards to my particular situation. I reluctantly graduated high school in '88 *wishing I'd repeated that year citing personal reasons* and, with the persistence of both my parents, began that fall in community college, randomly choosing a major to 1) get my parents off of my back and 2) declare a major just for the sake of declaring a major. My grandfather put away money since the time I was a baby in the stock market for my college, but I used it to fulfill transportation, living expenses and a trade school instead *I had always wanted to be a barber -- since the age of five* This, not surprisingly, was an unacceptable aspiration and, several years later, continued to be coaxed to finish a four-year-degree. This time, not only by my grandfather, but also my father and my younger brother and his wife. To make an insanely long story short, I spent those 20+ years traveling, barbering *for 15 years total*, working in various administrative positions in various industries and had a blast, along the way, doing so. There's one drawback: I have an extremely tiny retirement *my fault*, no benefits other than health insurance through my ex *not that I consider THAT a benefit -- more so a necessity* and some of the best income produced of any field I worked in in the barbering industry, $6000/mo, to be exact. Not too shabby. Still, the barber *out of work, currently* that I am, and the part-time entrepreneur *in another field* that I've become, my family still hounds me about that four-year college degree. Now, I am no dummy. I can do math *citing reasons to be diswayed by bloated interest rates for student loans* and I know my personality. The biggest problem with regards to attending college or, shall I say, the biggest problemS with regards to attending college right now *for my personal situation* are the following: -- I cannot sit still through classes, much less sit still through four full years, more if I need to go part time. -- There's not one major in college that I care to pursue. Not ONE. -- Not that I have anything against them, nor do I realize that all fall within this category, but I don't want a white collar position. No offense to white collar workers. My whole family is white collar. I am the only one who isn't. -- I can do math. I am not stupid. I know what I would need to repay for student loans after private, public or community colleges. I shudder with the thought of even having a debt of $5000. I don't have credit card debt. I don't own a credit card *my wisdom*. I have marginal medical debt *thank you, knee surgeries and asthma issues!*, but that only totals an amount in the ball park of $2000 -- manageable, comparitively speaking. I don't wish to repay loans once I hit the age when I begin drawing social security. I don't qualify for a grant -- still *legally* married, and I don't qualify for academic scholarships, grades aren't good enough, thanks to my high course withdrawal rate and F's for failing to withdraw courses once I unofficially dropped them back in the late 80's. -- I want to own a business when the opportunity arises and don't see it as a possibility by taking out student loans. There's no such thing as good debt/bad debt. It's ALL debt and I'd rather be debt free once the time permits to apply for a small business loan. So, there you have it. My life in a fairly sizeable nutshell. Question is this: How do I effectively explain to my family, once and for all, that I am NOT college-bound and that I have other, more important, more attractive aspirations? Appreciated are the intelligent and inobtuse replies. Thanks. more

Resolved Question: Question about college for a 40 year old female...?

Resolved Question: WrestleMania 26 Match Card?

Well, with the Elimination Chamber PPV behind us now, it's a little easier to see what's going down for this year's Wrestlemania. I may be the only one, but I'm really happy with the decisions made at tonights PPV. -Undertaker vs. Shawn Michaels II: For a second there I was questioning WWE's commitment to this match. It's pretty damn clear it's going to go down, for better or for worse, for a second time. I give Undertaker the win here, for obvious reasons, but I'll give the WWE some credit with Batista's title win last night. They can shake things up sometimes. Undertaker will most LIKELY walk out the winner, but there's always that small amount of doubt... And by the way, nice touch turning HBK all the way tonight. -Chris Jericho(c) vs. Edge for the World Title: You know, I knew it was going to happen, but I didn't see it after Edge won the Rumble. I would not have give Jericho the title win tonight, and in such an ironic way? HBK and Jericho was the biggest feud of the last few years, and HBK ends up handing Jericho the belt? Very nice WWE, I like your style. This is anybody's ball game, but I feel like Edge is getting his push for being out injured. Jericho had his time last year, Edge's got cut short. However, Jericho could be rewarded for all the good work he's been doing lately in the tag division. This is anybody's guess in my opinion. -Batista(c) vs. John Cena for the WWE Title: So they're really going through with this, huh? I have to admit, it's more intelligent than I thought it was going to be. Batista has really screwed over Cena, and the match is now believable. What still isn't clear, is why Vince is so active in this. How are they handling the Hart vs. Vince story? My guess is that it will somehow be crafted into the WWE Title match at Mania. Maybe Batista is accompanied by Vince, and Brett Hart comes out at the last minute to make the save, giving Cena the title. -Shaemus vs. Triple H: This match is bound to happen now that Triple H beat him in the chamber. Neither of them have anything to do for the biggest show of the year, so why not? I still hate him, but Shaemus is getting a lot better in the ring and on the mic. He's still not great, but at least he's out of the main event, right? Let him face the Game, and if he wins against Triple H, you know he's going places. Because honestly, we know Triple H doesn't put people over easily, and that's especially true of WrestleMania. -Miz/Big Show vs. MVP/Mark Henry for the Tag Team Titles: Honestly, I would rather see MVP and Miz have a real match at Mania. They've been great together in the last month or so,but the tag titles have been pushed on us too much this year for them not to showcase the straps at Mania. And this match just makes sense. It's not perfect, and it's not even that great, but it makes sense. I'm looking for one of the big men to turn on the small guys. -Drew McIntyre vs. ? for the IC Title: Drew has been on fire lately, 100% due to Vince McMahon being high on him. Don't get me wrong, he's great, but he's being force-fed to us (but at least not to the point of Shaemus). Drew is still undefeated, and he's harolded as being unbeatable and great, so why not give him a real challenge. I know people will scream at this, but why not have Captain Charisma step into the ring with him? Christian can show up on Smackdown this next week and tell Drew that's he's one of the best IC champions of all time, and Drew has a lot to prove if he's going to make all these claims about himself. Go one step further, add Rey Mysterio to the mix. He's looking for a match, throw him in there. Add John Morrison to the mix and suddently you have a Cruiserweight throwdown with 4 of the best guys in the business today. Other thoughts: -I really don't know how they'll resolve Vince/Brett with him being "injured." I'm really dissapointed with the whole thing, but mostly with fans lack of enthusiasm for the greatest in-ring wrestler of all time... -I realize the WWE doesn't care about their attitude era fans anymore, but if you really want to make some young adults happy, throw Christian into the World title mix. Have Edge announce that he's facing Chris Jericho at Mania, and have Christian come down to just...I don't know. He doesn't even need an excuse. Just say, "Hello boys...It's been awhile. I want in." I mean, Christian has been at the core of Jericho and Edge in the past. Edge/Jericho, Edge/Christian, Christian/Jericho....it's all been done. Now have them tear each other apart on the biggest stage of them all... Wrestlemania! -The Diva's division is just terrible...they have SOME good talent (James, Pheonix, Gail Kim....ish) but...in general that's the bathroom break of the PPV. -I still feel that it's missing something. Without the MITB, what are they going to do? No more titles to fill, and so many Smackdown guys without matches! Kane, Mysterio, Morrison, Christian (eventually) need a match. __________________ Th more

Voting Question: i owne a small business and i need a credit card?

i have very bad credit but dont want a prepaid card more

Resolved Question: What can I do with credit limit decrease?

I don't know what to do now. I am a small business owner and have or had a good credit. Banks were dying to lend me money. The economy were good back then and my business was doing pretty good. So, I got offers from my business and personal credit cards with 0 interest rates. I admit I took out some loans and line of credit to hire employees and expand my business but I was good at paying bills on time. All of the sudden, I am not a good risk anymore. First bank of america decreased my credit limit to the balance owed then other banks followed. Now, I look like I max out on my credit cards and business line of credit and worse the banks use that as a reason to hike up my interest rate from 9% to 24.99. This is like a vicious cycle. I didn't max out my cards and before my limit were decreased I had plenty of cushion. This is sick. Banks lower my limit to make me look like I maxed out on my loans and they use this reason to hike up my interest rates. I have to let go 3 employees just to pay the banks. Now, the future looks pretty doom for my business and family. more

Resolved Question: I got money to start a small bussines But bad credit!?

I was a Loan officer as you know the industry collapsed now I want to start a business like the dollar store type I got the money but my credit stinks since I lost credit cards an have real late payments on everything is there any place you may know where to get help for small business like a government help or else ? thanks more

Resolved Question: What should I do to this 'friend' of mine?

OK, this all started when the beginning of Year 10 began, and we had to start focusing on BTEC aka college work, and this friend of mine started to do Business. However, in after about five weeks time, she decided to move to my BTEC class, Performing Arts, and to be honest we do need to extra people along, and we are (kind of 'were' now) cool friends and we enjoy each other's company the past. So she asked me if I could make her a letter to the teacher so she can transfer to my class, which I was more than happy to do at the time. Then (my karma came), after she moved to Drama, the worst thing happened. She started to act like we're all 'smaller' people than her, and how she's going to be in the next Twilight movie (?!?), and how she doesn't need an agent to get her famous, and I'm like OK then, and I just ignored it. Then she got A LOT worse. Even outside of class she starts to get arrogant and annoying, I said hey to her one morning and she just ignored me and straight and hugged my other friend, and she starts to push me off when I joke around with her, and she shouts at me when I miss or forget my lines! Not being rude, but she was the late member in my Drama class and all of my other classmates are grounded, and we all had performing experience, whilst she doesn't, and just don't think about the 'fame' and just focuses on having fun, which I do to, even though I do have a somewhat a big-head, I don't boss around people and get the so-called fame in my head! And this week might be the most painful class I had with her, when the teacher asked us what we think we need to improve on she said how: 'We should try to memorize our lines a little better' And she looks at me like I'm some bastard?! I practically said to the teacher I can't work with her anymore and the others agreed with me as well. Then after class she lost her 'sim card' and she asks me if I have credit, with her nice and mellow attitude? I just ignored her and walked on. I swear, she turned into this monster and I want my old friend back!!! What do I do?! more

Resolved Question: How do I pay for dental procedures when my insurance pays for nothing?

My husband has always worked for big businesses and their insurance was always outstanding. Well at&t instead if justing firing people (which would look bad) made it impossible for everyone to make their numbers. Out of the 30 people that worked at the store and 20 had been their at least 5 yrs all lost their jobs. Well praise God someone offered my husband a job and we are so thankful, but it is a small business and the insurance is with bluecross and they are awful! I have never ever had to deal with an insurance co. that is hell bent on not paying for anything if they can help it. I was in the middle of having my mouth worked on and I have to see specialist after specialist and I find out that bcbs will not pay and these procedures are close to 2 thousand each. What do I do? I am so out of my league. Both my husband and I are very scared and I already have to deal with a new physical disability, I can't deal with this too. We have no credit cards and nobody will give us a loan and we are paying close to 400$ for insurance when we use to pay 50$. Please help.Please. more

Resolved Question: Unsecured credit card debt. Being sued by credit card company?

My parents' small business started going under about two years ago. They sank every penny they had into it. They were unable to continue paying the mortgage on their house, and I had to start paying for it, until one year ago they transferred it completely to me. They are no longer listed on the ownership docs, and I'm listed as the sole owner. They are now being sued by the credit card company because they're unable to pay the debt (about 6,000). They have no assets (no car, no business, no property, no valuable possessions, under $300 in the bank) and are living with my sister. Neither one is working. Three questions: 1) Can the credit card company come after my house, claiming they transferred it to me to hide assets? This is not true; they had no idea at the time of the transfer that they wouldn't be able to pay the credit card off. 2) Is there any reason for them to go through the bankruptcy process, since they are too old to ever work again, so there are no future assets to protect? 3) What is the worst case scenario with the credit card company trying to sue them? more

Resolved Question: Do I pay taxes on a settlement against a bank?

I left my job of 10 years with Kraft foods, and moved to a small town because we were assuming a SBA loan to buy the towns grocery store. The local bank was handling it. The loan officer/ vice president told us everything was fine. We moved, got all of our licenses, permits, accounts with venders set-up...and even had meetings with the main food supplier. Everything seemed great. The banker even said we needed to get a life insurance policy for the amount of the SBA loan assumption, $300k . We were not rich, or even upper class. We managed to get togother around $18,000 after selling a camper and tax refund. We moved in July of 2008...and for 4 months all we heard from the bank was..."EVERYTHING IS FINE, JUST WAITING ON SBA REDTAPE"..I went against their wishes and called the SBA myself, only to realize... while the bank HAD talked and emailed the SBA about us...the bank NEVER ACTUALLY sent the paperwork in , or the formal written application. The bank tried to blame it on the SBA..and said they lost it. My question..."if the bank talked in emails and on the phone to the SBA like they.. AND the SBA said...wouldn't it have come up in conversation sometime...."oh, there is no application"?..anyways, fast forward, we have a great case, I have a stack of emails from the bank...and they basically hung themselves for whatever reason. Our credit was ruined , I have not been able to find ANY work in about one year now, I'm 42 and factory is what I knew. Bad time to look for a job I know....This ruined us, our credit is terrible, we have 2 credit cards with less than $8,000..that we just cannot pay...we have went thru the money saved. we are getting food stamps and cash...any less man might have killed himself, or done something else stupid. The business lawyer that set up our buying contract is handling this, and it looks like the bank is going to give in. We asked for $250k. The house we had before we couldn't sell, the bank took it....no job for over one year, credit ruined(hard to put a value on ruined credit)...some money we did spend on this(computer, software...and what not)...anyways...........Is this settlement taxed? I'm not for sure , while part of it is for lost wages , some is recovery, and some is the ruined credit...and what we have had to go thru now....we are in Missouri. There is a list of things the bank did to us..including possible fraud. Our attorney, said if it went to court...we could a jury trial even..if my attorney fees are deductable...I don't have money to pay him now, he is getting a % of settlement. I have had no income to pay ANY federal tax this year, my wife has worked part time at walmart..but they have not been taking any out either, we have needed every penny to live on.. more

Resolved Question: Where can you buy Make-Your-Own Cigarette Machines?

i'm interested in getting one and was wondering where i could get one besides online because i don't have and/or want a credit card and i'm in the United States of America so i would like to know if you could get them from like a convenience store or a smoke/alcohol shop and if they sold tubes and tobacco, and would they have only tubes with filters or would they have some without as well and i don't want any answers like cigarettes are bad, they create pollution, or anything like that i want legit answers -thanks (and sorry, i don't know which category this goes under so i'm putting it under small business) more

Resolved Question: Good or bad: Take $8,000 loan to pay off smaller credit card debts ($4,000) to only pay 1 bill/month?

Just calculated all my CC debt and I have a grand total of $2450 in debt. I also have to pay tuition next semester which will be another $2,000. So $4450 total. This CC debt is hanging over my head and annoying. I just want to get rid of it once and for all! I have been offered a loan of $8,000. My minimum balance per month would be $280. I would take the $8,000 to pay off the $4450 debt which leaves me with $3,550 in my bank account. With that $3,550 + my current bank account balance + work I will pay the $280 per month. ...Then I will not rip up my CC cards (3 total) but I will just straight up not use them. Actually my highest balance is on my Best Buy store card (bought a laptop, a desktop, and an HD Canon over the last 6 months)..... So do you think it is a good idea to do this? I do because I will pay off and "consolidate" all my debt into one payment a month. Instead of worrying about 4 due dates I'll just worry about 1....Not to mention this loan will boost my credit score and report (which is good so far, not one missed payment or late payment, staying below 35-40% of my max credit limit at all times).... Here is the good part. I recently was approved to buy a foreclosed home. I believe I can get (renting it out) $800 a month. The problem is I am waiting on the bank to get the paperwork together so I can use my money from my checking account (yes I have enough to pay off all my debt listed above + way more) BUT I want to use this money to pay for the house THEN LATER when the house is paid for + repairs worry about the $2,000 in debt. It has been a few weeks since the bank accepted my offer and I am hoping any day now they will have the paperwork ready so I can get a tenant in there. So the good news is (hopefully just before Xmas) I will have an extra income of $800 a month which will by itself pay for more than the min. balance of the loan each month. Since I said I would have roughly $3550 of the loan money left after I pay my debt I will use this + the first months rent + the deposit from my tenant to pay a large chunk of that $8,000 debt off (probably $6,000). Then from that point I will go on with my life and business and only owe $2,000 on the $8,000 loan which I will pay off quickly. Now I spoke with the lender and they said if I paid the loan early I would barely pay any interest whereas if I pay over the life of the loan I will pay the full interest. ...Then several months down the road I will try to talk with my bank on getting a home equity loan (to use to buy a second foreclosed home)... What do you guys think? more

Resolved Question: My banks keep messing up my loans/terms, any advice?

I had a few loans out through my significant other, one small one that i used for a car about $6,000, one larger one for about $28,500, and then we had some combined stuff to do around the house, etc, so that was a home equity for about $30,000...all in all those were gotten about a year or two fairly closely together though, and they all started out as lines of credit, fixed interest rates. We both kept making payments on time, and were on great terms, then this whole credit crisis hit...our credit cards, some of them, the limits got slashed, one or two just closed.....then two of these lines of credit became variable rates...and then if that wasn't enough, they reduced the terms from lets say 6 and 8 years down to 5, just like that... and just today I found out that they're freezing them, the two of them, and they're no longer lines of credit just simply loans..which totally eradicates drawing more on it lets say at a later date. So now I especially am very angry, because I feel like we're being messed around by these banks just because they "can," even though we have good if not great credit, make our payments on time, and that's actually not THAT bad of outstanding debt being that it's not all under one person's name. it's just ridiculous though. We've been paying them down, and we still have alot of other credit available that we NEVER use, and income is good..everything is good. So now I'm depressed, becuase in the last year, with all this slashing, it put a serious dent into being able to withdraw espeially for necessary things like health bills. So as of right now I want to know what the best option would be? Should I just let things go how they are, or should I try a different bank and then just consolidate a few into one bigger loan, or try to get a line of credit and just transfer over and pay off the, forgive my language, cr@ppy loan deals we now have? Another concern is, with this outstanding debt, which isn't astronomical but it's still quite a bit... will they be less likely to approve, especially if it's secured? Does going in person help any..rather than just over the phone and internet, and perhaps putting up a collateral or securing it with something might help? The thing is, I used personal lines of credit to have as a safety net, just in case emergencies come up, I mess up and over spend,, or whatever financial crisis may arise especially in THIS economy, and it's something that you pay down but can also reach in if you need it. IT's great for rescues, but now banks are seriously cutting that down, and well....not much is available. So I'm very upset over it. I mean I can understand the economy being bad but...these banks aren't even giving out notices ahead of time to WARN us about changes@! They NEVER notified us about this recent change where they're just becoming loans and not lines of credit which we got APPROVED of. no letter in the mail, just happened. This is all by the way, BANK OF AMERICA! the other one is with capital one, and they're fine thus far. is bank of america just a bad place to do business with? They even treat their LOYAL customers like dirt and we've been banking with them for a long time now! Very depressing I'll say. What are our options? I don't want to go into some debt consolidation thing either because I can totally pay off the bills from the loans etc, tey're not that much considering they're spread out for many years, and they serve a great purpose to withdraw money from if they're lines of credit.also, once the banks do this, are these permanent changes or can they be subject to change? Bank of America's reasoning was : well we just don't DO lines of credit anymore. Fine, but why should we then bank with them? It's our money too we're paying back, so why pay under one bank's conditions & terms you don't agree with. If another bank is more negotiable and nice to their customers & offers better rates/plans.....then...why stick with bank of america? They seem very blase about actually working with you. IT's more like...this is what we offer, this is not, take it or leave it GOODBYE, no care about good customer service or a good payment history NOTHING. I feel like a number and they treat you almost condescendingly. Well why do banks offer these services...if they later complain that people shouldn't be USING THEM? It's a catch 22, if no one used them...their businesses wouldn't be as successful. Banks, what's the deal!? more

Resolved Question: Alright! The economy is bad so what are we going to do about it?

What steps are you taking individually? Paying your debts off, paying your current debts off, going to school to get a higher income job, investing in companies for the long term, helping poor people who are trying to get on their feet, wealthy people sharing your knowledge of wealth to lower income people so they can become wealthy as well through your knowledge, business owners are you hiring people, telling poor people to get off government assistance and be willing to work hard for what they want in life, are you getting political in your neighborhoods and in your cities, which of these are what exactly differently that you're doing? America needs answers and they need them now! LOL Let's make a pledge to turn our country back around, everyday be conscious about our economy and take a small step to better it...pay a bill or something even if it's no more than $5 on a credit card or something. We all can do it and make the change starting as soon as possible. more

Resolved Question: What is the Main Objection to the Public Option in Healthcare Plan?

Surely it's not the idea of government offerring a reasonably priced and fairly administered health insurance contract? We have seen how corporate America works. From the big banks, to the big credit card companies and mortgage lenders, right. You don't pay these guys at least $10 million per year, they wouldn't even consider showing up for work. Most of them wind up getting $20 Million or $50 million when all parts of their pay and compensation and pension and healthcare and expense account are figured in. So the idea that corporate America is ludicrously greedy and rapacious is not news to anybody who has actually been on planet Earth for the past 10 years, right. Now comes government, and says it wants a non-greedy, and non rapacious healtg insurance company. It wants to set one up. It wants a chance to compete with the insanely greedy private companies, maybe offer a better product, or make them offer better products by giving them some honest competion. Well, if that's all there were to the offer, only a real Chicago School Purist would object. So, what's the big objection to the Public Option? Here it is. Imagine a company that wanted to sell flood insurance. OK so they sell most of their policies in the floodplain areas of the USA. In order to attract customers they say "We will pay off on these policies even if you buy them after your house has been completely washed away and destroyed utterly by a flood." Well, of course they sell a lot of policies, particularly after big floods. Everybody whose house has been destroyed buys a policy for $5,000 and then puts in their claim for their destroyed house for $500,000. Miracle of miracles this company soon finds itself in big financial trouble. Why? Because $5,000 is a much smaller number than $500,000. Now come the company executives, and they say, "How were we to know that our business model was faulty?" We went to Princeton, Harvard, and Yale, we studied speechmaking, and community organizing, and political theory. We have never seen the inside of any business, met any payroll, done any cost accounting, kept any books, or developed any business models. How were we to know? Is this really similar to a health insurance company that agrees to insure all persons regardless of pre-existing conditions. Imagine that the person is like the house. Imagine that the pre-existing condition, perhaps glioma of the brain, is the house already having gotten washed away in the flood last week. Imagine that the premium is $5,000 per year. Imagine that the operation for the glioma costs $500,000. Now, the rule of arithmetic that we visited earlier is still true, $5,000 is a smaller number than $500,000. Who could possibly imagine that such a health insurance company would run into financial trouble, and quite quickly, and quite deeply? No one in government. They went to Princeton, Harvard and Yale, you know the drill. The problem is this: The bad flood insurance company only hurts itself, it's policyholders, its employees and it shareholders. It winds up in bankrupcy Court and gets eliminated, within about 6 months. But the bad (crazy) U.S. Government backed health insurance company, can't go bankrupt. It has the full faith and credit of the Federal government behind it, who can print money, or take the bad debt onto the Fed Balance sheet. So this becomes the money black hole. It's like a cash whirlpool. The money disappears down it, and never comes back, and it gets bigger and hungrier every day, every hour. The rathole down which USA disappeared. So -- the problem is all about the fact that the government has a completely crazy business model for how a health insurance company can operate -- and it's not their fault -- what do they know from insurance? Zilch -- they are community organizers! So this is an idea in which everybody is a victim, even the ones coming forward with the idea now, they are victims too ''How were they to know?" more

Resolved Question: When will America wake up?

Dinner with Obama Once upon a time, I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There's nothing that the government can do to me if I've broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate, and began nibbling it as he walked back to the kitchen. "Sorry about that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty.. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother Eric is very thirsty." said the President. I didn't say anything. The President is testing my compassion, I thought. I will play along. I don't want to seem unkind. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. "And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout - that was my coat! But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled.. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement, and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," He added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Eric's and Andrews out there and they can't come to you for jobs groveling like beggars." I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said. Wake up, America ! more

Resolved Question: Robert Reich: "The truth about Jobs that no one wants to tell you" Do you agree with Reich?

ENTIRE ARTICLE http://www.huffingtonpost.com/robert-reich/the-truth-about-jobs-that_b_307642.html BITS AND PIECES (Read, its shorter than it looks): In other words, ten percent unemployment really means twenty percent underemployment or anxious employment. All of which translates directly into late payments on mortgages, credit cards, auto and student loans, and loss of health insurance. It also means sleeplessness for tens of millions of Americans. And, of course, fewer purchases (more on this in a moment). Unemployment of this magnitude and duration also translates into ugly politics, because fear and anxiety are fertile grounds for demagogues weilding the politics of resentment against immigrants, blacks, the poor, government leaders, business leaders, Jews, and other easy targets. It's already started. Next year is a mid-term election. Be prepared for worse. -- Let me say this as clearly and forcefully as I can: The federal government should be spending even more than it already is on roads and bridges and schools and parks and everything else we need. It should make up for cutbacks at the state level, and then some. This is the only way to put Americans back to work. We did it during the Depression. It was called the WPA. Yes, I know. Our government is already deep in debt. But let me tell you something: When one out of six Americans is unemployed or underemployed, this is no time to worry about the debt. When I was a small boy my father told me that I and my kids and my grand-kids would be paying down the debt created by Franklin D. Roosevelt during the Depression and World War II. I didn't even know what a debt was, but it kept me up at night. My father was right about a lot of things, but he was wrong about this. America paid down FDR's debt in the 1950s, when Americans went back to work, when the economy was growing again, and when our incomes grew, too. We paid taxes, and in a few years that FDR debt had shrunk to almost nothing. You see? The most important thing right now is getting the jobs back, and getting the economy growing again. ------ more

Resolved Question: do you trust your bank?

Jul 09, 2009 -- Bank fees on the rise again Fees are on the rise again as banks try to make up for revenue they've lost to bad debt write-offs. In fact, three-quarters of bank revenue on supposedly free checking accounts now comes from overdraft fees. That's why it's called "fee checking" in industry lingo! One of the most controversial practices among the giant banks concerns their overdraft systems. They won't allow you to opt out of the loop where they approve debit card transactions knowing you're overdrawn just to fee you. Bank of America has now increased the maximum amount of its overdraft charges per day to $350. Don't adjust your computer screen…that's $350, according to The Washington Post. If you're in danger of running in the red with your account, then you need to rethink everyday spending. Go old-school -- live a cash-only lifestyle and swear off the debit card. You might also want to fire your giant bank and take your business to a smaller community bank or a credit union. Unfortunately, Clark won't be able to answer any questions submitted via commenting. If you have a question, please try posting it to our message boards. Add your comment Avg. rating: N/A bank fees What has biten me is our checking account, 22 years old with same bank, same address, nothing has changed, and we had a problem, a payment done on line for $1100 appeared not to post, so I did it again, I called the bank and told them to not honor both if both were presented for payment as only one should have, (same amount, same debtor also for over 4 years), well both got drafted out, and we were continuing as usual with our debit card, making purchases, even purchases for $3.00 and less, and every single one we were charged a $35.00 overdraft fee, and were not even aware of this. Well not until nearly 9 days later when pulled up at ATM, went to make $100 withdrawal and the receipt showed a -$746. balance. I was like what? so I presented it again, thinking it was an error, same thing, and to really take an extra bite, each time I presented the card into the machine was a $35.00 fee, twice for the decline and the balance check. I went into our bank, and was told well we are just the small branch in this little town we cant make decisions to reverse any charges, I asked for the Corporate bank and was told that our branch manager would talk with them but she didn't think we would get any help because it was all computer generated. Well 3 days later and I went back in, and she told me, no the Corporate Bank said no help, all charges stand. Because we had the $1,000 protection they continued to pay, but charged us the draft each and every time., over $1300 in overdraft fees. By SCgirl @ 09/25/09 04:57:28 PMreport abuse * Overdraft Changes The first thing I would like to say is the majority of overdraft/insufficient fund fees come from the customer not keeping track of their own account. The customer should always know how much they have in their accounts. If you know you have $50 don't spend $75 and write a check for $100. That is common sense. The next thing is that a major bank I work for is making drastic changes to the overdraft process that will please many people. I'm unable to expand but I'm sure Clark will explain when he reads about the changes. By Personal Banker @ 09/23/09 09:13:25 AMreport abuse * BoA Transaction Ordering to Maximize Fees I've been bitten by this several times in the past few months. I normally keep pretty close track of what's spent and how much we have left, but sometimes mistakes happen. I understand that. I accept responsibility for that. What I do not understand is how they can justify re-ordering transactions to go from largest to smallest rather than chronological order. I've had reps tell me that it's "for my convenience," which is utter hogwash, in my opinion. Typically, I have one transaction that should've gone into the red. Not with Bank of America - they re-order it so that I wind up with multiple fees, instead of just one. I'm going to follow Clark's advice from the other night and go to my branch manager and ask him to stop this madness and refund the fees. Even if they do, I still plan on jumping to a credit union at my earliest opportunity. By Steve Scott @ 09/18/09 06:07:47 PMreport abuse * Bank of America fees I am outraged that Bank of America is riping me and others off. One of my account was overdrawn by $10. I was assessed the $35 OD fee on 8/5/09. So why did I get charged another $35 OD fee on 8/11/09? I called into the bank and was told that since it was not brought up to par within the 5 days, I was charge an additional fee. I have other accounts in other banks and I have NEVER encounter any such nonsense. Bank of America makes sure that the consumer pays for their short falls. By ktlight @ 08/12/09 11:36:53 AMreport abuse * more

Resolved Question: starting my own business? and tips?

alright, so have you guys ever heard of who were 16 and starting their own internet store? I have. well I think she used her sister's credit card because they shared the company. But I really want to start my own business. I'm also only 15. ): but, I will be turning 16 in June. I know its alot of research and planning. I took business classes I know all the stuff that goes into a business. But I was never taught on how to personally open my own business. My parents are going to get me a credit card when and if I have every last bit of this down on paper and completely planned out. I really want to do this and its not just for spending money. My brother blew almost my entire college fund and I don't wanna be strugling in college too badly. I'm not going to have any problem with help because I have got LOADS of support.Oh yeah, and I am SUPER smart in math. like no joke, I was helping my brother with HIS college homework idk but It's like I can do any math lol but I seem to be horrid in Spanish ha but anyway! (Before you read those, I've actually heard of a tutoring business, but I really don't know if they will hire a 15 yr old. because they are like all adults lol. But I understand most of the material, but anyway) Here are some Ideas about starting a business into: 1. I'm REALLY into horses and I was wondering about a sort of horse tack, barrel racing tack, sort of thing. But make my designs very pretty, girly, and equally as masculine(as in seperate girls and guys tack) I'm not much of a designer but I have a couple of friends who can draw like theres no tomorrow and I'm pretty sure I can get what I'm thinking down on paper. Bad thing about this is, there is another more popular store just like mine,BUT I also stable one of my horses and an official NBHA(national barrel horse association) site and that would do LOADS for my business I would think. But it wouldn't just be barrel tack, I would also do roping (cool colored ropes perhaps?), bull riding, etc. 2. A t-shirt, jewelry, trinket business. possibly even including horses, and I have no worries about inventory space whats so ever, I can even sell my products at the farmers market "more like a bring-your-small-business markey" every thursday right by my school. 3. I'm also into volleyball. Mabey a store with cute volleyball shirts, a large variety of colored spandex( a girl on a traveling team on my school team says they are super popular) mabey even cute colored volleyballs and knee pads, shoes, high socks, shoe laces, etc. 4. This could even be a part of the horse category, but Include other animals. Mabey even cute little doggy clothes, also for cats, ferrets, etc., cute fishy jars, cool cat toys, I really could go on and on and on about any of these topics lol 5. ooohhh and even purses, watches, jewelry, for both men and women. this could easily go into the above topics. 6. I could also make infant toys, baby items, and clotheing. which could, once again, be added into the above topics lol but yeah, these are some topics I'm seriously considering. Main Points: 1. The topics above are things I'm really interested in and would have a real drive in. 2. I'm doing this for college funding, but am certainly not going to quit after college. 3. I understand it takes alot, but I'm ready for the challenge even if I have to wait a year. 4. I have A LOT of support and will have no problem with help of starting it up. Thanks guys and gals (:um seriously? get back to the Ghetto? I didn't mean to say I knew EVERYTHING, but I know the stuff, yeah I'm not gonna lie. I actually just looking for tips and ideas, I mean, seriously, grow up. Your probly a 37 year old man, sitting in your moms computer room, complaining on yahoo answers as I type. Get a life, I'm looking for answers, not douchebags with REALLY bad insults. Oh and btw, at least I'm doing something with my life, so back. off.and If you even read the thing, you would know I'm 15. and I'm not the only one in this. but whatever, you are so not worth my time. and guys, I'm not interested at all in any of the working with google, or surveys, things of that sort.lol so I must be "stoned" to want to start a business? lol wow people seriously kill me. theres millions of people just like me who want to start a business but are too afraid to ask questions. lol why even take the time to click on my question, read it (considering its very long), and even type in a rude answer. haha wow if there is one thing I will never be, is a loser who hates her life and uses the internet as a lame way to get back at the world. can't say it enough, but won't stop. grow up lol (its even funnier how people think they affect me) I'm not the average 15 yr. old. Suck it.lol see a physciatrist? hahaha I recommend YOU see a physciatrist because you obviously need help with your little issue of false satisfaction of "getting" to complete strangers. lol grow up seriously. more

Resolved Question: Will the police help a small business recover goods stolen via credit card chargeback?

Over years of running a small business, I've learned the police like to ignore small business when it comes to anything other than outright retail theft. However, I've recently gone to a credit/cash only payment system to avoid bad checks. Recently, a customer bought products and service from my company and hit me with a credit card chargeback. Just wondering if the police would help me recover the goods that are essentially now stolen and NOT paid for? more

Resolved Question: How can I get a small business loan with bad credit ranking (no debts, just not enough credit history)?

Hi, I was wondering how easy it is to get a small business loan (app. 2000 pound) if you have a bad credit ranking? I haven't been long enough in the UK to build up a good credit history...I have just recently got a debit card and I do have a credit card with a credit facility of 100 pound, hoping that this will help me to get a better ranking (I always pay the full amount on time). But I moved quite a lot, which doesn't help...I do have a job but don't earn as much as I used to 3 month ago...So I'm looking to start my own business...Not sure how I can persuade my bank? more

Resolved Question: Is there anything wrong with my Resume?

I'm not getting any responses to the Emails I have been sending for jobs through Craigslist. I know the market is BAD but I just want to make sure that my resume is okay, and its not turning off employers. Here is the Email I send to potential jobs. Hello, I am responding to the ad on Craigslist. I feel my experience makes me a qualified candidate for this position, and I would love an opportunity to interview. I am a very reliable worker, and I have alot of drive to succeed. I am determined to find a position that I can keep long term, and I feel I would be a great asset to your company. My salary requirements are $15 an hour, but are negotiable depending on the position. I look forward to your call, and thank you for reviewing my response. I have pasted a resume below for your review. Best Regards, Amanda M**** Amanda M***** 123456 W. Cerritos Ave |Anaheim, Ca | (714) Objective Seeking an office position in a growing, fast paced and friendly environment. I would like to utilize my strong organizational and time management skills. I enjoy either working in a small office where I have the opportunity to learn most if not all aspects of that business. Or in a large office where I have the opportunity to show my skills and dedication, and prove that I am a great candidate for advancement. I pride myself in taking great knowledge in my job, and I learn as much as I can about the business I am working for, so that I am a valuable asset. Skills Profile - Microsoft Office, including Word, Excel, PowerPoint, and Outlook. - QuickBooks. - Knowledge of Internet. - Ability to handle multiple tasks. - Ordering office supplies. - Accounts Payable, Accounts Receivable, Billing, Invoicing, Payroll, Collections Petty Cash. - Knowledgeable in office procedures and office machines. Employment History Bartender 10/2008 - 09/2008 Malone's Bar & Grill Santa Ana, Ca Starting Pay: $8.50 Ending Pay: $8.50 - Serve drinks and food to all patrons. - Manage cash register accurately. - Provide excellent customer service, and maintain all aspects of the bar from cleaning and stocking to answering the phone and booking bands and entertainment. Office Manager 06/2008 – 10/2008 Hired Gun Exterminating Garden Grove, Ca Starting Pay: $15.00 Ending Pay: $15.00 - Sit in Office Manager while permanent Manager was on medical leave. - Answer phones, and schedule and dispatch all pest control jobs. - Enter all termite reports and mail reports to customers. - Receive and enter payments for jobs and yearly control policies. Bill customers for yearly controls and occasionally for termite jobs. Office Manager 01/2006 – 03/2008 Super Dave’s Print & Mail Santa Ana, Ca Starting Pay: $13.00 Ending Pay: $16.00 - Input all A/P and A/R, and pay all invoices in a timely manner. - Payroll for 10 employees through ADP. - Maintained account with Health, Life, and 401k companies. - Schedule and dispatch drivers and make sure route is most time efficient. - Sent statements once a month to customers. - Schedule tasks and meetings for all office employees. - Answered 4-line phone, maintained high standard of customer service when speaking to all customers, including remembering customer’s names and order history. - Kept close track of job scheduling, ensuring that no jobs were forgotten, and completed as scheduled and on time. - Use QuickBooks for accounting and PRINTLeader software for all job management. - General office duties included: Bank deposits, ordering office supplies, handle customer transactions, took credit card payments, manage reception desk, and all other general office duties. Administrative Assistant 02/2005 – 01/2006 HCS Cutler, Inc. Rancho Cucamonga , Ca Starting Pay: $11.50 Ending Pay: $13.50 - Managed and logged cash reports printed from registers at 8 different locations. - Managed all bank deposits ensuring timeliness and accuracy as well as reconcile monthly statements. - Investigated and resolved and credit card disputes that were filed.. - Managed a fleet of 60 vehicles, including class A, B, and C trucks. - Completed any necessary paperwork for CA DMV. - Handled all car insurance needs, including: Filing auto accident claims, filling out accident reports, adding and deleting drivers and vehicles to the policy, and following through with adjusters to make sure claims were handled properly. Office Manager 10/2002 – 02/2005 Telcom Services Riverside , Ca Starting Pay: $7.00 Ending Pay: $9.00 - Maintained data logs more

Resolved Question: See what you think of this email I got, is this how Dumbocrats think?

Dinner with Obama........... Once upon a time I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There's nothing that the government can do to me if I've broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate, and began nibbling it as he walked back to the kitchen. "Sorry about that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother, Eric, is very thirsty." said the President. I didn't say anything. The President is testing my compassion, I thought. I withheld my comments and decided to play along. I don't want to seem unkind. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout, “that was my coat!” But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement, and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak , and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," He added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Erics and Andrews out there and they can't come to you for jobs groveling like beggars." I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said. WAKE UP AMERICA !!! more

Voting Question: guys? 50 life lessons? opinions?

1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Don't take yourself so seriously. No one else does. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others'. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Life is too short for long pity parties. Get busy living, or get busy dying. 17. You can get through anything if you stay put in today. 18. A writer writes. If you want to be a writer, write. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Overprepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness except you. 26. Frame every so-called disaster with these words: "In five years, will his matter?" 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Your job won't take care of you when you are sick. Your friends will. stay in touch. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Whatever doesn't kill you really does make you stronger. 36. Growing old beats the alternative - dying young. 37. Your children get only one childhood. Make it memorable. 38. Read the Psalms. They cover every human emotion. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Don't audit life. Show up and make the most of it now. 42. Get rid of anything that isn't useful, beautiful or joyful. 43. All that truly matters in the end is that you loved. 44. Envy is a waste of time. You already have all you need. 45. The best is yet to come. 46. No matter how you feel, get up, dress up and show up. 47. Take a deep breath. It calms the mind. 48. If you don't ask, you don't get. 49. Yield. 50. Life isn't tied with a bow, but it's still a gift. all the women i know love this list, what do you men think? more

Voting Question: 50 life lessons - agree to disagree?

1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Don't take yourself so seriously. No one else does. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others'. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Life is too short for long pity parties. Get busy living, or get busy dying. 17. You can get through anything if you stay put in today. 18. A writer writes. If you want to be a writer, write. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Overprepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness except you. 26. Frame every so-called disaster with these words: "In five years, will his matter?" 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Your job won't take care of you when you are sick. Your friends will. stay in touch. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Whatever doesn't kill you really does make you stronger. 36. Growing old beats the alternative - dying young. 37. Your children get only one childhood. Make it memorable. 38. Read the Psalms. They cover every human emotion. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Don't audit life. Show up and make the most of it now. 42. Get rid of anything that isn't useful, beautiful or joyful. 43. All that truly matters in the end is that you loved. 44. Envy is a waste of time. You already have all you need. 45. The best is yet to come. 46. No matter how you feel, get up, dress up and show up. 47. Take a deep breath. It calms the mind. 48. If you don't ask, you don't get. 49. Yield. 50. Life isn't tied with a bow, but it's still a gift. most women i know love this, what do you men think? more

Voting Question: Banks are bailed out with tax?

payers money and then the bank turns around a double their interest rates...I do not have one credit card, if I can't buy it I don't need it, but I still think it is really crappy the way the banks are screwing the people over that bailed them out. I don't live beyond my means, but because of the cost of living I can't save any money either, small business people in Calif are getting the shaft too. If my credit was bad and it isn't I am at a 700 I would take that card and tell them where to plant it. more

Resolved Question: Who Can Ignore The Advice of A 90 Year Old Woman?

This is something we should all read at least once a week Written By Regina Brett, 90 years old, of The Plain Dealer, Cleveland , Ohio "To celebrate growing older, I once wrote the 45 lessons life taught me... It is the most-requested column I've ever written. My odometer rolled over to 90 in August, so here is the column once more: 1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone.... 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 9. Save for retirement starting with your first pay check. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 16. Take a deep breath. It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood.. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words 'In five years, will this matter?' 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business.. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 35. Don't audit life. Show up and make the most of it now. 36. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come. 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift. I know at least one of these helped me in the last couple of days. more

Resolved Question: THE DAY I FOUND SOMEONE'S LOST WALLET....?

Okay here's the situation. I found someones man purse in the supermarket. No i didn't get it to customer service...I left with it maybe with bad intentions. Once i went through the stuff i started to feel bad about having this stuff and knowing that Karma is a Bit@h. Once i got home found a business card inside with a cell phone number i called the dude to tell him i found his man purse. He didn't even realize he lost it. I then told him to meet me at this Supermarket parking lot because i was really nervous to get his lost possesings back. Once i got there he was questioning where did i find it because the place he left it was several miles from where i met him. I just told him that my friends found it and were going to mail his stuff back but i volunteered to reach out to find him and get him his identitiy. To make along story short i was hoping to get a small reward for having good intentions and getting him his stuff back. He said that he had shut his cards down because he didn't know if anyone tried to use them. I mean he had like 25 credit and check cards in this wallet. He tol me that he was gonna go to the bank and get me sum money the next day. I beleved him cause he only used credit and didn't have money at that time. He than drove me bac home got my name and i left. Now the next day he went back to the store to find out if he could see the surveilance cameras of the day he lost his stuff. WHY?????? Who does that? I told him he is lucky and should be happy that someone tried to have good intentions instead of ripping him off like i was planning on to. He might look on the camera and see that it was me who took his stuff out the store and that i lied about it being a friend. Now i'm completey embarrassed and wish i wouldve used his cards in different stores and just ripped him off and not care. On top of that he's not even trying to give me a lil something for being all noble and stuff until he finds out what really happened that day he left his stuff behindc....i mean HELLO!!! If u lose ya belongings it's no one's responsibilty to return them. It's just MORALLY correct.......that bastard. People like that make me wanna stay bad forever and never change for the better! more

Resolved Question: Who would read these once a week????

1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath. It calms the mind & soothes the soul 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words 'In five years, will this matter?' 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life. Show up and make the most of it now. 36. Growing old beats the alternative - dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's,we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come. 43. No matter how you feel, get up, dress up and show up. 44. Listen, yield and share hugs and knowledge with abandon 45. Life isn't tied with a bow, but it's still a gift." more

Resolved Question: If life gets into the red how do i escape ?

I failed one of my years in university and have to repeat it but havent told my parents. Apparently i dont perform well at work so I dont get many shifts, even when i try to perform well, the smallest mistake i do is realy a big thing to managers so i dnt care everything coz they dont appreciate. My parents think im not gonna do well in life coz i never realy never had the best grades. Im in financialy bad credit records, spritualy its not good with God at the moment, church is just a pass time. Im good at music, music production all i ever wanted to do, but im very confused ryt now because of some of the musical influences i like have dark connections and themes, im trying to run an information technology business with my best friend, but since they are not giving me shifts, i cannot pay my credit card and hosting account off. Whats against me? how do i get out of here. more

Resolved Question: Dinner roll email forward? Someone sent this to me but I don't see the problem with it, can someone explain?

Once upon a time I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There's nothing that the government can do to me if I’ve broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate and began nibbling it as he walked back to the kitchen. "Sorry about that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother, Eric, is very thirsty." said the President. I didn't say anything. The President is testing my compassion, I thought. I withheld my comments and decided to play along. I don't want to seem unkind. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. "And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for20my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout, “That was my coat!” But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak , and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," He added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Eric’s and Andrews out there and they can't come to you for jobs groveling like beggars." I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said. WAKE UP AMERICA !!! more

Resolved Question: besides being really close to the truth what is wrong with this little story?

A Parable Dinner with Obama, a parable Once upon a time, I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There's nothing that the government can do to me if I've broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate, and began nibbling it as he walked back to the kitchen. "Sorry about that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother Eric is very thirsty." said the President. I didn't say anything. The President is testing my compassion, I thought. I will play along. I don't want to seem unkind. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. "And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout- that was my coat! But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement, and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," He added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Erics and Andrews out there and they can't come to you for jobs groveling like beggars." I looked up. The President dropped his spoon into the empty ramekin which had been his creme brulee. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he saidhey will ..copy and paste doesnt take much of my time ..it just saw it in the newspaper and figured it might be liked by others ..and also will ..i almost wish i was living in my parents basement instead of hating the idea that i will be taxed higher so that some crack addicted hood rat will spend my money to try and stay healthydidnt say it was word for word true but it is a baseline trickle down economy at work more

Resolved Question: How can I get a credit rating? I have none.?

As a child, I was taught that credit was a bad thing, and should never be used. When I married, we bought our house on Land contract rather than a mortgage, and paid it off. I do not drive, but my spouse financed the car through his credit union. When we divorced, as a single parent I could get no credit. Back then they wanted single women to have a co-signer to pay cash! *LOL* Now I am a senior citizen, and need to borrow money to do some major repairs on my home. I own it free and clear. However, I am told that having no credit score is worse than having a bad credit score, and I cannot even get a Home Equity Loan. I am told I should get a credit card and charge small amounts and pay them off monthly to get a credit score, but no one will give me a credit card. Some businesses in my area are no longer accepting checks. They want either cash or a credit card, as they've had too many losses on bad checks. Now my social security is direct deposited to my checking account, and as I don't drive and there is no public transportation here, it is very difficult for me to get to the bank to withdraw cash. I cannot afford the fees to withdraw from an ATM machine. Anyone have any ideas on how I can resolve this impasse?Dixie Darlin' I think you mised the point. I can not GET any kind of credit account t o pay off to give me a credit rating. My Social Security Income is less than $600.00 per month, so there is no question of my being able to save up $300.00 or $500.00 or $1,000.00 in a savings account to get a Secure card or account to use in building my credit. I thought I could maybe rent something at one of those Rent-A-Center places, expensive as they are, to build my credit, but the weekly payments on the things I need are more than I can afford. more

Resolved Question: Why do Americans brainwashed to believe the business world is perfect?

There was a Yahoo Videogames article about how video game sales were suffering during the recession/depression. I simply said, well, if Microsoft and Sony would stop charging $60.00 for a new game printed on a piece of plastic, maybe sales would go up. I see computer games selling for much less than the same Xbox versions, what's up with that? I asked this question a bunch of people started saying, Oh, there are developer costs, royalties, programmer costs, blah blah blah, all the same excuses I've heard for years. Fact is, that's probably a SMALL percentage of the fixed costs, and the royalties are probably legalized extortion anyways. These companies make an enormous profit, and the typical excuses follow the same ones the oil companies give. Yet, why do they make huge profits? That shouldn't be happening if what they say is true. It's sad that people in America are being taught to be good consumers and not question unfair pricing practices. I see a lot of people my age and younger who have the attitude that business is about charging whatever you can get away with. WTF? It is really true that greed is destroying America, and that people are too stupid to see how it's happening. I think a lot of the problem lies with easy credit, and it should be fun to see this recession get worse as more people default on their credit card loans. We have to change, no joke!I meant, "Why are," not "Why do," sorry. more

Resolved Question: What do you think of these comments?

1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath. It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. No one is in charge of your happiness but you. 25. Frame every so-called disaster with these words ''In five years, will this matter?". 26. Always choose life. 27. Forgive everyone everything. 28. What other people think of you is none of your business. 29. Time heals almost everything. Give time, time. 30. However good or bad a situation is, it will change. 31. Don't take yourself so seriously. No one else does. 32. Believe in miracles. 33. God loves you because of who God is, not because of anything you did or didn't do. 34. Don't audit life. Show up and make the most of it now. 35. Growing old beats the alternative -- dying young. 36. Your children get only one childhood. 37. All that truly matters in the end is that you loved. 38. Get outside every day. Miracles are waiting everywhere. 39. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 40. Envy is a waste of time. You already have all you need. 41. The best is yet to come. 42. No matter how you feel, get up, dress up and show up. 43. Yield. 44. Life isn't tied with a bow, but it's still a gift.You would have to be superman to live up to them all! more

Resolved Question: Obama for Dinner parable?

The problem is, we've all been invited to dinner!! Dinner with Obama, a parable: Once upon a time, I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There's nothing that the government can do to me if I've broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate, and began nibbling it as he walked back to the kitchen. "Sorry about that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. 0A "And his brother Eric is very thirsty." said the President. I didn't say anything. The President is testing my compassion, I thought. I will play along. I don't want to seem unkind. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. "And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout - that was my coat! But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been=2 0thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement, and they need a house. They recently defaulted on a sub-prime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," He added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Eric's and Andrews out there and they can't come to you for jobs groveling like beggars." I looked up. The President dropped his spoon into the empty ramekin which had been his crème brulee. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said.Ken, I really didn't read anything hateful in this message. Mark M; Little men have little minds, I'm surprised you could spell idiot. more

Resolved Question: A good one for our times?

The top 12 signs the economy is bad 12. CEO’s are now playing miniature golf. 11. I got a pre-declined credit card in the mail. 10. I went to buy a toaster oven and they gave me a bank. 9. Hotwheels and Matchbox car companies are now trading higher than GM in the stock market. 8. Obama met with small businesses GE, Pfizer, Chrysler, Citigroup, and GM to discuss the Stimulus Package. 7. McDonald’s is selling the 1/4 ouncer. 6. People in Beverly Hills fired their nannies and are learning their children’s names. 5. The most highly-paid job is now jury duty. 4. People in Africa are donating money to Americans. Mothers in Ethiopia are telling their kids, “finish your plate; do you know how many kids are starving in America?” 3. Motel Six won’t leave the lights on. 2. The mafia is laying off judges. 1. If the bank returns your check marked as “insufficient funds,” you have to call them and ask if they meant you or them. more

Resolved Question: Have you read the 45 lessons of a 90 year old?

1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath. It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion... Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words 'In five years, will this matter?' 27 Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life. Show up and make the most of it now. 36. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come. 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift. more

Resolved Question: Do you feel this way too?

After reading this parable, I couldn't help but feeling as though I could totally identify with this man. How do you feel about it? What do you think? > Dinner with Obama, a parable > > Once upon a time, I was invited to the White House for a private dinner > with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a free country. There's nothing that the government can do to me if I've broken no laws. My wealth was earned honestly, and an invitation to dinner with an American President is an honor. > > I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. > > The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate, and began nibbling it as he walked back to the kitchen. > > "Sorry about that," said the President. "Andrew is very hungry." > > "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. > > "And his brother Eric is very thirsty." said the President. > > I didn't say anything. The President is testing my compassion, I thought. I will play along. I don't want to seem unkind. > > My plate was whisked away before I had tasted a bite. > > "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. > > "And their grandmother can't stand for long." > > I excused myself, smiling outwardly, but inside feeling like a fool. Obviously, I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. > > Their grandfather doesn't like the cold." > > I wanted to shout that was my coat! But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. > > "Andrew's whole family has made bad financial decisions. They haven't planned for retirement, and they need a house. They recently defaulted on a sub prime mortgage and they need the house more than you. > > > My hands were shaking. I felt faint. I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. > > "By the way," He added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Erics and Andrews out there and they can't come to you for jobs groveling like beggars." > > I looked up. The President dropped his spoon into the empty ramekin which had been his Creme Brulee. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. > > What had I done wrong? > > As if answering the unspoken thought, the President suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. > > "You should have stopped me at the dinner roll," he said. more

Voting Question: Have you ever taken someone else experienced advice?

This is something we should all read at least once a week!!!!! Make sure you read to the end!!!!!! Written By Regina Brett, 90 years old, of The Plain Dealer, Cleveland , Ohio "To celebrate growing older, I once wrote the 45 lessons life taught me. It is the most-requested column I've ever written. My odometer rolled over to 90 in August, so here is the column once more: 1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone. 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath. It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words 'In five years, will this matter?' 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life. Show up and make the most of it now. 36. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's,20we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come... 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift." A holy man was having a conversation with God one day and said, ' God, I would like to know what Heaven and Hell are like.' God led the holy man to two doors... He opened one of the doors and the holy man looked in. In the middle of the room was a large round table. In the middle of the table was a large pot of stew, which smelled delicious and made the holy man's mouth water. The people sitting around the table were thin and sickly. They appeared to be famished. They were holding spoons with very long handles, that were strapped to their arms and each found it possible to reach into the pot of stew and take a spoonful. But because the handle was longer than their arms, they could not get the spoons back into their mouths. The holy man shuddered at the sight of their misery and suffering. God said, 'You have seen Hell.' They went to the next room and=2 0opened the door. It was exactly the same as the first one. There was the large round table with the large pot of stew which made the holy man's mouth water. The people were equipped with the same long-handled spoons, but here the people were well nourished and plump, laughing and talking. The holy man said, 'I don't understand..' It is simple,' said God . 'It requires but one skill. You see they have learned to feed each other, while the greedy think only of themselves.' Its estimated 93% won't forward this. If you are one of the 7% who will, forward this with the title '7%'. I'm in the 7% Remember that I will always share my spoon with you ! Friends are the family that we choose for ourselves more

Resolved Question: Words of wisdom.........?

Would you like to read an email I got today?? Just thought I would share it. BQ: Can you provide songs about life?? 1. Life isn't fair, but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone..... 4. Your job won't take care of you when you are sick. Your friends and parents will. Stay in touch. 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first pay check. 10. When it comes to chocolate, resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others. You have no idea what their journey is all about. 14. If a relationship has to be a secret, you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath. It calms the mind. 17. Get rid of anything that isn't useful, beautiful or joyful.... 18. Whatever doesn't kill you really does make you stronger. 19. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion, today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words 'In five years, will this matter?' 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life. Show up and make the most of it now. 36. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41. Envy is a waste of time. You already have all you need. 42. The best is yet to come. 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift." more

Resolved Question: Do you think that this 90 year old lady at the right Idea?

This was posted in the Plain Dealer in Cleveland , Ohio. I sure like what I readThis is something we should all read at least once a week!!!! .I Think she made a lot of sense what do you think? It is a little long but it is worth reading......... Written By Regina Brett, 90 years old, of The Plain Dealer, Cleveland , Ohio "To celebrate growing older, I once wrote the 45 lessons life taught me.. It is the most-requested column I've ever written. My odometer rolled over to 90 in August, so here is the column once more: 1. Life isn't fair,but it's still good. 2. When in doubt, just take the next small step. 3. Life is too short to waste time hating anyone... 4. Your job won't take care of you when you are sick. Your friends and parents will.. Stay in touch 5. Pay off your credit cards every month. 6. You don't have to win every argument. Agree to disagree. 7. Cry with someone. It's more healing than crying alone. 8. It's OK to get angry with God. He can take it. 9. Save for retirement starting with your first paycheck. 10. When it comes to chocolate,resistance is futile. 11. Make peace with your past so it won't screw up the present. 12. It's OK to let your children see you cry. 13. Don't compare your life to others.You have no idea what their journey is all about. 14. If a relationship has to be a secret,you shouldn't be in it. 15. Everything can change in the blink of an eye. But don't worry; God never blinks. 16. Take a deep breath. It calms the mind. 17. Get rid of anything that isn't useful,beautiful or joyful. 18. Whatever doesn't kill you really does make you stronger. 19.. It's never too late to have a happy childhood. But the second one is up to you and no one else. 20. When it comes to going after what you love in life, don't take no for an answer. 21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special. 22. Over prepare, then go with the flow. 23. Be eccentric now. Don't wait for old age to wear purple. 24. The most important sex organ is the brain. 25. No one is in charge of your happiness but you. 26. Frame every so-called disaster with these words'In five years, will this matter?' 27. Always choose life. 28. Forgive everyone everything. 29. What other people think of you is none of your business. 30. Time heals almost everything. Give time time. 31. However good or bad a situation is, it will change. 32. Don't take yourself so seriously. No one else does. 33. Believe in miracles. 34. God loves you because of who God is, not because of anything you did or didn't do. 35. Don't audit life. Show up and make the most of it now. 36.. Growing old beats the alternative -- dying young. 37. Your children get only one childhood. 38. All that truly matters in the end is that you loved. 39. Get outside every day. Miracles are waiting everywhere. 40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back. 41.. Envy is a waste of time. You already have all you need. 42. The best is yet to come.. 43. No matter how you feel, get up, dress up and show up. 44. Yield. 45. Life isn't tied with a bow, but it's still a gift." A holy man was having a conversation with God one day and said, ' God , I would like to know what Heaven and Hell are like.' God led the holy man to two doors.. He opened one of the doors and the holy man looked in. In the middle of the room was a large round table. In the middle of the table was a large pot of stew, which smelled delicious and made the holy man's mouth water. The people sitting around the table were thin and sickly. They appeared to be famished. They were holding spoons with very long handles, that were strapped to their arms and each found it possible to reach into the pot of stew and take a spoonful. But because the handle was longer than their arms, they could not get the spoons back into their mouths. The holy man shuddered at the sight of their misery and suffering. God said, 'You have seen Hell.' They went to the next room and opened the door. It was exactly the same as the first one. There was the large round table with the large pot of stew which made the holy man's mouth water. The people were equiped with the same long-handled spoons, but here the people were well nourished and plump, laughing and talking. The holy man said, 'I don't understand..' It is simple,' said God . 'It requires but one skill. You see they learned to feed each other, while the greedy thinks only of themselves.I am so glad you like this, I debated on posting this, but I like it so much and I wanted to share it.Thank you more

Resolved Question: Christians: Isn't this world for the most part dominated by people with spirits of ungodliness?

I mean American society, global society, global business, what people value...all seems to be dominated, controlled, and supported by people who don't necessarily have the spirit of truth and God within them. Basically the total opposite. People think using humanism, modernism, science, logic, and all sorts of other things, which, depending on how you look at things aren't bad in and of themselves, but...there's NO GOD in the picture. At all, totally non-existent and wiped out. If you utter "god" at any job interview, or to a banker, or to others (if you're not applying for a position at a church), they'd laugh at you. I see billboards for "the future of banking," etc. this society has turned into a busy busy busy, money IS GOD, place, cut throat place, where humans have become dividends, and annuities are a more popular term than "prayers," and everything is becoming a plan, conniving, calculating and cold, materialistic type of existence, where you have to work hard, plan everything out, save for this, save for that, and people don't care about each other, use each other, lie to each other, steal from each other from criminals and low lives, to white collar. There are many billionaire and millionaires who steal. Basically what I'm saying is, this world largely seems to be evil, supported by evil, controlled by evil, and laughs at good or the idea of God, and thinks its irrelevant. Basically to me it sounds EXACTLY what evil spirits or entities, or better yet, godless spirits or entities would want. People or beings or spirits that don't believe in God, or hate god, and love themselves and their agendas, would LOVE for things to be like that because then they have full power, and God's out of the picture, and that's EXACTLY what's going on. So for all the true "believers," ....they end up going through hell because no one believes them, people think they're crazy, and they have NO place in this new world system of the modern age. they're seen as irrelevant and unimportant. Meanwhile our newer generations are growing up valuing image, media, money, and sex, and all sorts of other godless things which they see as TOTALLY normal. Our music artists get all dolled up, look plastic, sing about money and sex and what not, our movies are all about money, image, status, etc,..our stores cater to that, it's all about what you spend, the car you drive, the clothes, your social ranking,,...how much money you have in your pocket, your credit cards... and it's becoming worse year by year,...inflation, business global economies, stock market,..that's our world and it's FAST FAST FAST, and changes by the minute. These people and their ways of thinknig dominate and control this planet, and no one or nothing seems to stop them. To Christians, they are the almighty satan that rule the world, and the whole world lieth in wickedness rings true to this. God or goodness doesn't seem to prevail at all in this system or on planet earth anymore, and it's dwindling down to small numbers. So what I'm wondering is 1)why doesn't anyone acknowledge how truly evil and godless this world really is and always has been, and why isn't anyone ever doing anything about it? Heck why isn't god or spirits of good even doing anything about it? and 2) if Christians truly don't belong here, and their kingdom is not of this world, because it has been given over to Satan, then does this existence from birth to death feel like constant torture to them? How do they cope with it? Why can't good seem to control or overpower evil here in this realm ever, if good and God are supposedly so powerful? This world is just so wicked and favors falsity, sin, lies, deceit, image, status, money, all the fake stupid cr@p over being a good person and helping others. It's truly sad. Envy, competition...everything evil soars and flies here, and everything good is seen as weak, irrelevant, stupid even. Good people are seen as chumps more or less. People don't want a savior, or to believe in anything. They believe in themselves, humanism, modernism, science, and they believe more in science fiction novels and have no value on human life whatsoever. this life honestly to me, seems to be just an evil place, where human life or the belief of a soul is pretty much extinct in many ways. satan/evil , if it exists, truly did a wonderful job at destroying any iota of a belief in that stuff. Heck, our media laughs at it. Ever seen even comedy shows like family guy? Christians are seen as brainwashed m0rons. more

Resolved Question: Fiance Problems, what can I do?

I am a 40yr old woman and My Fiance is 38.My Fiance and I got engaged after knowing each other for 5 years and dating for almost 2 years. I knew him and his family well and they knew my children well ( lived in the same neighborhood I have moved away since ). My fiance lives with his parents, doesn't have a car,has not worked a steady job in 10 years due to health issues. He started his small business with my help and has not been lucrative, it's just a name at this point. He refuses to get a steady job, he has a college degree. BUT i figured he will do what makes him happy so that's ok. I always pay for diners and movies and have bought him clothes and paid his credit card payments and gave him extra money when I could.( I am a single mom of 2, no child support) His mother has changed since we became engaged. She constantly talks about divorced people with kids (that's me) and how it's unfair to the children and how men without kids( that's him, never married at 38) should only marry women without kids. His father constantly jokes about getting a woman with "a lot of money" so that he doesn't have to "sweat it". His parents also brings up about his ex girlfriend and women he should have married and makes fun of me in front of my kids.They never did that all these years I have known them and suddenly they are mean. I also found out that he kept e-mails from women he met through personal ads and women he knew from years ago.He told me this and he said he had no intentions of getting rid of it because it is part of his life. I'm ok with that but he keeps a neat file at his desk of them all printed out, which makes me wonder why?He still kept his dating site accounts active and sees no reason to close them. He also only sees me once or twice a week because he says if he stays more than that he would have to move out and he's not "financially ready". I have also helped his parents out on occasion. Since I pay for everything anyway, I don't get it? He's a very kind man and good with the kids. I wanted to get married next year but he says he needs a house with an office before we can get married and my place is too small for him. He has brothers who are both married and lives away. He refuses to move out of state even if I have better job opportunities. When I had some personal problems he has been there for me. I want to be with him but his lack of motivation and his parents are making things difficult. They want grand kids and I can't give them that and that upsets them too.My friends are always telling me that I am in a bad relationship and that he is taking advantage of me. He says he doesn't care because he knows we love each other and that's what counts. I don't know what to do anymore. I tried to break things off and he won't accept it and when I told his parents they told me" oh no, he's getting married no matter what!" What am I to do? Are they insane?Am I? more

Resolved Question: How can a business reduce it's debt without going bankrupt?

I have a very small business. I'm trying to figure out how to best pay off my loans and am not sure the bank is giving me the best deals. Right now I have about 10k on a business credit card, and 10K on a loan. The loan was given me 10 years ago and I've been accumulating interest by a few dollars each month past the payment. In other words, I never pay toward principle. Is there some way to transfer a loan so that I can get 0% interest for 6 months? I know it can be done with a credit card, or it could before the economy was so bad. I've heard of calling your creditors and asking them to settle? The bank has made 10k on this loan in just interest over the last decade. Anyway, advice or useful links appreciated. BTW, I have good credit. more

Resolved Question: Can anyone advise me on how to restructure my business debts?

Resolved Question: What would you do if you were in this position?

Imagine this scenario. Sorry it's kind of long. Well worth reading though. You have just divorced your alcoholic husband and have bought a house for yourself and your daughter who at the time is 10 years old. You own a small business and don't make a great amount of money but make enough to send your daughter to a private school and to get by. Then imagine that your sister (A)leaves you to take care of your aging mother because she is getting married and doesn't want to take care of her. Matter of fact--none of your two other brothers and one other sister (B) want to take care of her. Your aging mother is a little crazy and very traditional and keeps the house very un-tidy as well. Your father doesn't want to live with her either because he is very selfish and doesnt get along with your mom. After two years of living with your mother, your sister (A) 's husband gets put in jail for embezzlement and fraud which your sister (A) has also taken part of. At the time she is also pregnant unfortunately and she comes to your house to live for support. Your sister has the baby and now you are paying the rent and electricity and water bill for not only your own daughter, but for your sister, your sister's baby, and your mother. Your sister A makes your aging mother take care of the baby (like a day care service) day and night because she works. Now it has been almost two years since your sister A has been living with you. Her daughter is loud (but very cute) and makes the house a mess. Your daughter is getting stressed out because of school and finds it hard to concentrate with all the noise in the house. She also doesn't get along very well with your mother because your mother makes the house a mess and your daughter is a neat-freak. Your daughter is embarrassed of her household situation because she can never invite any of her friends over and is getting depressed because of the family problems and school problems. Your daughter wants your sister and your mother and your niece to leave, but your sister B (who as a matter of fact has a rich husband and a huge mansion that she barely uses) and your brothers A and B put the entire responsibility of taking care of THEIR sister and THEIR niece and THEIR mother on you. Your brothers and sisters don't even think to try and help you out since you yourself are having a hard time economically, sending your daughter to a private school, dealing with your daughters depression, running your own business that is slowing down, and then also dealing with your own stress about bills and credit card debts. Your brothers and sisters always talk behind your back about you and they don't ever think about your problems. They expect you to take care of everything. Now imagine this. Your sister A just got sent into prison for 6 months, because of the whole embezzlement deal (since she was involved in the first place--the judge finally sentenced her along with her husband who has already been in jail for 2 months). Your mother complains all the time and makes life difficult for your daughter who is having failing health because of all these problems and is now not showing up to school because she is so depressed. Your family expects you to keep your sisters (A) niece and your mother, even though your daughter can't stand having them around and it is just making her health worse. Your brothers and sisters all blame your daughter for everything and they also blame you all the time. They talk bad about you under your own roof and infront of your own daughter. None of them are willing to help out and take care of your niece, your sister A, or your mother. What would you do in this situation? Would you keep your niece and your mother, but sacrifice your daughter's (and yours) happiness? Or would you help them find their own place, even though your brothers and sisters complain why don't you just keep them in your house? What would you say to them? What would be your advice to a person in this situation?sister's A's husband has been in jail since she got pregant* Sorry I didn't mean 2 months in the last paragraph. more

Voting Question: What should I do, I owe this college $5,000...?

I owe the college $5,000 and I can't get my transcripts until it's under $1,000. I am unemployed, so I can't really work to get it myself. My parents wont give me the money or help me pay it off. I used to get money from Sallie Mae, but they don't pay for balances from previous semesters, they only pay for upcoming semesters. My credit isn't that great, but I only have a little credit to begin with. I've only had an Old Navy card, College bills and hospital bills. That's where my credit it. I am trying to open a small business. Do you think anyone would give me a loan and I have bad credit and I could put some toward my college debt? I cant get into a university or another 4yr school I'm trying to go to without paying it off. I need to go back to school in the fall. What kinds of things should I be looking to do? No one is really helping me with anything. They never do. more

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