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HerrinFesta survives the storm

Chamber of Commerce President Deborra Bracy said the attendance was good until the storm and while Monday took a hit, it wasn't as bad as it could have been. She said the worst part is that Owen was potentially the largest draw this year and Mother Nature had to go and spoil the fun."It's just too bad it happened on the biggest night," Bracy said of the storm.Despite the weather's best efforts, Gentile said there is a positive in the tornado scare on Sunday. He said it showed that the people attending are the most important asset to the festival and that police, fire and emergency personnel were up to the task.Gentile said the turn of events was a disappointment but he doesn't think it will have an effect on future festivals. He said the sponsors will keep on giving and the festival will keep on taking place."We're going to keep on truckin'," Gentile said. more

Luetkemeyer adds staff for 9th District congressional bid

John Thompson, who will handle Luetkemeyer's advertising. Thompson currently heads Thompson Communications in Springfield,Mo., where he has worked with a number of Missouri politicians (notably the Blunts) for 20 years.

David Barklage, who will serve as a senior campaign consultant. Barklage has worked with a number of Missouri pols, including Kinder and the late U.S. Rep. Bill Emerson.

“I am honored and extremely pleased that these experienced and successful individuals have joined our campaign and I look forward to working with them on behalf of the hard-working people of the 9th Congressional District of Missouri," Luetkemeyer said in a statement.

By the way, Luetkemeyer is among several Republicans who have hired former state GOP spokesman Paul Sloca in some capacity. more

Holiday effort for slumping car sales

Sales of new cars and trucks throughout the metro area fell about 13 percent in the first four months this year compared to the same time last year, according to Tucson New Car Dealers Association statistics provided by Jim Click Automotive Team Vice President Sam Khayat. . more

Dangerous assumptions can doom business

There are three assumptions that owners of family businesses should never make: owning a business automatically qualifies you to manage it, the business is yours and you can run it any way you jolly well please, and a closely held business is nothing but a big old personal bank account.

Cassie inherited ownership of a large soft drink bottling and distribution company from her grandfather. The old gent had long been in declining health, and he had put in place a strong executive team to run the company as he grew less involved in management.

. more

BLACK YOUTH DRINK LESS, TARGETED MORE, WEEK OF MAY 1-7, 2008

Critics say alcohol is made appealing to Black youth via a consistent, aggressive advertising campaign in magazines, music and videos, and on TV, radio, billboards.

The Archives of Pediatrics & Adolescent Medicine studied Billboard magazine�s 279 most popular songs of 2005 to analyze substance use in popular music.

It found rap music referenced alcohol 33 percent of the time, followed by country music at 20 percent. R&B referenced alcohol 7 percent of the time.

Researchers provided a breakdown of alcohol advertisements Black youth were exposed to:

Magazines

� Twelve-to-20-year-olds saw 15 percent more for beer and 10 percent more for distilled spirits per capita than adults age 21 and over; and generally, Black youth saw more advertising for both products than youth in general. more

Latest Business Plan For Construction Company News

Mimosa Mine undeterred by indigenisation regulations - Zimbabwe Independent

The mines underground operations manager, Tapson Nyamambi, said the company had platinum ore reserves to last the next 20 years. “The company was operating on a 20-year plan and a platinum ... immensely contributed to the construction of schools in ...

Eagle Rock Resort Company granted extension to complete ... - Times News

... Rock Resort Company ... plan of Michael E. Zerbe, Robert C. Zebe, Mary Anne Brown, Diana R. Brown and Richard Zerbe to subdivide 63.73 acres in Washington Township into three lots for recreation and timber purposes with no new construction.

City proposes $2 million loan for Spanish wind turbine ... - Milwaukee Journal Sentinel

Under the plan, the ... the main factor, company executives said last month. They said a bigger factor was the Milwaukee area's labor force, with its strong expertise in making electric motors. Ingeteam expects to begin construction in April on a ...

Need to know: SIG results ... Enel profits ... Google ... - Times Online

... John Healey, the newly appointed Minister for Pubs, will unveil a 12-point action plan to ... and insulation company, based in Sheffield, estimated that it lost about £30 million of sales when the cold weather brought construction activity to a ...

One last rescue attempt for old Jacksonville firehouse - Florida Times-Union

... identified the developer as John Stokes, who has a Fernandina Beach design and construction company ... a Small Business Administration program that would require him to hire people living in areas that include Brooklyn. If the plan works, he ...

Norristown backs new plan; O’Neill dream ends - Philadelphia Daily News

Developer Brian O'Neill's plan to lead a massive redevelopment of Norristown ... project, secured a $61 million judgment against him in Montgomery County Court for defaulting on an office-construction loan. The bank followed that up with two more ...

Cisco India hiring plan on track - Rediff

We are completing construction on two additional areas, which can house as many as 3,000 more," Cisco Chief Executive ... In 2007, the company had announced that it would increase its headcount in the country to 10,000 by 2010, from over 3,000 ...

Judge to hear plan to pay $657M to WTC responders - Forbes

The settlement agreed upon by lawyers representing the city, construction companies and the workers ... well as workers with less serious ailments, including a Consolidated Edison utility company employee with limited exposure to the debris pile and ...

Cnooc Said to Plan $3 Billion Acquisition of Bridas ... - BusinessWeek

... to use the proceeds from a Pan American sale in a gas-pipeline construction project in Turkmenistan. Bridas has been present in the Central Asian country since 1993, when it signed an agreement with a state-owned company to develop oil and gas ...

Appeals court rejects Moroun bid - Detroit Free Press

The bridge company constructed the ramps but not according to the plan required by MDOT ... bring $1.8 billion in investment to the Detroit-Windsor area and would create 10,000 construction jobs in Michigan and generate another 30,000 indirect jobs ...

Resolved Question: Any Shooting Range Owners From Florida?

In the part of Florida that I live, there is only one range with four stalls. It is expensive as well as run down. People go there only because they have no other place to go within a 50 mile radius. I decided I want to open a range myself and have already obtained so much data that my head is spinning, yet I still have some questions I am having trouble getting answered. I have the Florida State Statutes, County Codes and Zoning, The NRA Range Sourcebook (in the mail), USAF ETL 08-11: Small Arms Range Design and Construction, the EPA CFRs for lead, and have a couple of properties I am looking at in my area that meet code and would be large enough to suffice the range. The range will be an outdoor range that has 50m (X5), 100 m (X5), 300 m(X3), and 1000 m (X2) lanes that will have use a dirt backstop accompanied by a cement block wall. The range will allow for ammunition from .22 cal to .50 cal. Other than delivery of dirt my brother, cousin, dad, and friend will assist me in the construction of the stalls, measuring the Surface Danger Zone/Vertical Danger Zone, backstops, and targets. My cousin and myself are going to Orlando to become Range Safety Officers for insurance purposes. As business takes off I will be adding a skeet shoot and a tactical/obstacle course with pop-up targets and CQB scenarios, but those are not in the making yet (not until I have an established business). The building where business will be conducted will need to have retail space for accessories, gear, ammo, and guns for sale/rent (I have an application for an FFL but until I have a location of business I cannot send it in). I will also need a 125ft X 125ft room for conducting NRA, CCW, and security courses as well as offer free hunting courses (All but the hunting courses will be taught by either myself or my cousin). A bathroom and breakroom are requirements for a security training facility in my state. I know what is needed by the county, state, EPA, and BATFE in regards to licensing and regulations for the range and firearms, what I am not sure of is the business aspect. I was hoping someone who owns a range in Florida could help answer the few questions that I have left. Q1: I know the average mark-up for firearms and accessories in the area, but how can I find the cost of the firearms and accessories (wholesale/dealers price) or of any price breaks for bulk orders? The distributors will not talk to me until I have my FFL and I cannot get my FFL without a place for business and I cannot get a place of business without a business loan from a bank. Due to the economy and my age, 24, I am going to have to go to the bank with a DETAILED business plan and explain how they will get there money back. Q2: How do you pay a business loan back? Do you pay monthly payments (i.e. mortgage/car payment) or do you pay in back in a lump some with in so many years? If so what is the time frame it is to be paid back in? Q3: Do you know of any good insurance companies to cover my business (in Florida) and if so how much does it cost? Again they will not talk to me until I have a business. Q4: How much do lead removal services cost? The EPA mandates that a company has to come and remove lead from my dirt back stops and I'm sure it is not free. If I have the equipment am I allowed to do it myself? Q5: If you own an outdoor range in Fl, do you mind telling me an estimated cost of construction supplies for your outdoor range? Q6: I am looking a buying a large piece of land and I'm probably not going to find one with a building on it that suits my needs. Any ideas/suggestions on new construction vs. other options I am unaware of such as portable buildings (if they have them) Q7: What are the state and federal taxes (estimate of course) for running such a business in FL? Please, refrain from JUST telling me that this is an expensive business and that it will fail. I now that it will be expensive and that is why I need a DETAILED business plan for the bank. I am hoping for help with the few financial questions left to determine the over all cost and revenue I will need to acquire. Thanks for taking the time to read this and I appreciate and look forward to any responses. more

Resolved Question: how to get assistance from home building fraud?

BidClerk.com (a consumer/professional construction job match site) matched me up with a scam/fraud artist that I had posted to build a small home around 700 sq. ft. They gave my home number to several contractors one of who was persistant. To shorten the story, I live on the GA side of the GA/AL state line. This fraudulent builder came to my house in GA and said he could build me this home for 50,000.00 which according to the plans, was reasonable, we signed contract, he presented license with company and references. I called Marvin's Home improvement ctr who was reference and was to supply materials, they gave glowing reference as well as other ref. also I ran background, criminal and civil, both turned up negative for cases. I checked with his county of residence, still no court record. I hired him and within several weeks, he had made labor/material draws equaling 90% of contracted price for home. I phoned and emailed BIDCLERK several times when I became suspicious but they would never produce any information about him as he was an account holder. Although, they freely gave him my info. Turns out, he got locked up 3 weeks into the contract, he only completed 20% of project and had 90% of my money, 48,000.00 and I was out of a home and money. Turns out, he had NO license, NO Business, NO employees and alot of experience in this activity as he was already on probation for this with the state licensure board of AL. On probation for drugs, forgery and other charges, He had several Probation officers and was still free to do this to me. BidClerk.com will not take any responsibility even though they said my job was mislabled and is how he got my information. I did everything anyone could do in checking him out and even a business gave him reference and then turned against him later and withdrew from my project. He had no insurance either. I labeled all my checks to him what they were for but he didn't have a bank account and cashed these large checks at my bank and used the cash for everything but materials. After he was locked up the last time, he just that day got 5,000 of my money and took it into court behind my back and they locked him up permanently that day. he had my check cashed and took 5,000.00 into Jail. 10 days later, I was filing claims with the State of AL and with authorities for fraud when the shell of the house burned to the ground in the middle of the night. He thought I'm sure would relieve him of responsibility since he didn't think I could prove how much of home was completed. I had hired a home inspector he never met who took pictures just days before the fire which documented the house was only 20% and had major foundation problems. In the end, I have no house, lost all my money, had to sell the land just to move from the nice apt into a low class apt building where I have been broken into 5 times by other tenants who were arrested and evicted. Every tenant in this building has stolen from me. It is not safe and is over 100 years old. I live on fixed income as I am disabled and this guy knew this as I was going to the Cancer center when he was doing this to me. He didn't care at all and planned and frauded me with intent as he knew no one was around to stop him and I often did not feel well. I took him at his word. I have all documents. Even his fake license. They have locked him up. Could not prove arson although they know he had it done with my money, and I can't sue him because he has his assets hid in families name. Cannot get, done spoke with 3 lawyers and it would cost thousands just to get it into court and I wouldn't get anything in the end. Does anyone know of any resource, any entity or help I could possibly receive in community/state/government subsidized financially as I do not have any money now, live in a dump with criminals just like him, and have no hope of getting out of this mess. He just walked into my life, in weeks, destroyed it and legally walked off without so much as an apology. Seems BidClerk.com should carry responsibility but got flimsy half assed apology/excuse letter and that was that. Marvin's Home Improvement Center also should be liable but again, they offered to testify for me but what good is that if I can't take into court. If anyone knows of anyone who can help I would be eternally and bleed gratitude to you. I would die with the prayer for you in my mouth if you know of any way to help me out of this mess. Not well, I get sicker every day because I am so depressed and live in this environment. Had to sell most of everything I own just to survive. I was told to write to TV Home improvement shows but can't find any and there's nothing left to build on or fix. I have all documents and legal papers relating to this disaster and Blueprints and police and state reports. If anyone knows of anything or has suggestion, I would be so thankful to you.Simply asking for knowledge of available resources for victims of Home Building Fraud. This case has been investigated by all state officials, State Attorney Generals office and Home Builders Licensure Board, As was put to me, "this wasn't his 1st rodeo" and criminals like this know more on how to cover themselves than honest people know on uncovering them. I did all a consumer could have reasonably done with respect of checking. BidClerk.com took responsiblility in saying my job was "mislabled", again, not my fault or to my knowledge. I question those who blame the victims as opposed to the criminals. Could make one wonder about their ethics if they believe any degree of trust in another human is "a mistake". Reflection of their own moral compass. more

Resolved Question: Am i missing out on life? :/?

I just turned 20 years old, since I was in my teens I planned on learning a construction trade and starting a company. There is allot of money in the trade I chose and I know if things go well with my business I will have a ton of money, and get to travel allot and buy nice stuff. The problem is.. I live in Alaska. Most of my close friends just graduated high school and moved out of state for college. I get frequent calls about how much fun they are having at some beach party or talking about where they are going to do a road trip too next... Its really depressing me. I wake up every morning and work the 40 hour weeks. I don't have many friends like I did before they left and I just end up hanging out with my girlfriend most of the time. The days seem to be rolling by faster and faster, it was yesterday I graduated highschool it feels like... I feel like I have to choose between finishing my Trade apprenticeship, or going to college ... JUST for the experience of it. The fun of it... many people refer to their college days and laugh about it... I just feel like when im 35 years old I'll look back and regret not being the typical 20 year old :( I need some opinions... Is college like it looks in hollywood? Is it worth wasting a few years of my life for if I have no intention of using the education? more

Resolved Question: I feel like im missing out on life?

Resolved Question: I feel like I'm missing out on the LIFE. Is college as good as they say?

Resolved Question: Any shooting range owners from Florida?

Resolved Question: Chances of getting into NYU, BC, Georgetown, or Columbia?

I am a sophomore in high school. I speak two languages (English, Polish plus learning German). My major is going to be law or business. I will be a firat generation college student. The overview of my profile is: GPA: 3.65 (at one of the top high schools in NYC) SAT: 1100 (plan to take a course over the summer to improve) AP History: 4 German National Exam: 85% Polish Regents Exam: 100% Polish Saturday School: 6 years as if now Ambassador's Diploma of Achievement Taken part in 10 school plays (4 times had the main role) Highest Grades-Top Student Will take the Polish version of the SAT Have taken part in a national Polish school acting contest (my school won) I participated in my high school's computer fan club for 2 years now. I had a paperwork job in a construction company. I have been a lifeguard for two years (certified be the Red Cross). I have a lot of service hours. Sorry for the spelling mistakes but I am writing this on my phone. I forgot about sports: I was on a local soccer team for a year. I am also involved in swimming and ice skating. more

Resolved Question: If deportation of all illegals crushes the Hispanic Market, do anti-immigration folks care?

And do they have a plan to cover those billions, maybe even trillions lost to the US economy? I ask about Hispanics/Hispanic Market because they seem to only focus on them. ================================== The Growing Hispanic Market in the United States Virtually every type of company and organization in the United States is being impacted by the growth of the Hispanic population. You see it in government, healthcare, manufacturing, food service, construction, education, finance, legal, and these are just a few examples. Marketing and selling to the U.S. Hispanics has become so important that universities are offering programs on the subject. Florida State University has recently created a center for Hispanic marketing communications offering graduate certificates and undergraduate minor programs. Following are some facts for consideration: U.S. Hispanic purchasing power has surged to nearly $700 billion and is projected to reach as much as $1 trillion by 2007, nearly three times the overall national rate over the past decade. (Source: HispanTelligence®.) The top areas where Hispanics spend more than non-Hispanics are: groceries, telephone services, furniture, men’s and boys apparel, children’s clothing and footwear. (Source: Selig Center.) The U.S. Hispanic market ranks as the third largest “Latin American economy” behind Brazil and Mexico. There are more Hispanics living in the United States, than the entire population of Canada, which is 32.5 million. (Source: U.S. Census.) We are like a country within a country. Hispanic advertising by U.S. companies grew 24 percent in 2003, compared with 8.6 percent for the general market. (Source: Media Economics Group, research firm that tracks Spanish-language marketing.) By mid-century, 25 percent or one out of every four people in the United States will be Hispanic. The African American population by mid-century will remain at the current rate of 13 percent of the total United States population. (Source: U.S. Census Bureau.) An IRS report predicts that 1 out of every 10 small businesses will be Hispanic by the year 2007. Today the proportion stands at 1 in 13 and rising. (Source: Hispanic Trends.) http://www.strictlyspanish.com/white_paper4.htm more

Resolved Question: S'pore 2010 Budget Proposal, My View...?

This budget proposal is too INWARD looking... the way i sees it, it's like fixing a problem or crowd pleasing probably to tame the disgrunt on the ground that was lately the talk of the town about foreigh talent, job security & the identity crisis for a Singaporean, so to speak... There are largely NO bold initiatives from this budget proposal to create new sectors & businesses hence job creation to drive the economy in the next 5 years plan. Sadly, the focus was all about spending $bils to drive productivity which i felt the result will not yield much impact if you spend that amount of money to create new sectors to value-add to the existing sectors contributing to the GDP. There is a limit to how productivity can yield positive results such as the construction sector the govt had name for instance...to put it bluntly, you cannot expect to compare productivity of japanese construction sector vis-a-vis spore's... simply because of cultural, mindset & attitude differences. Even if spore's construction productivity increases or benefited from such program, the yield won't be large. If that happens, that is simply MONEY NOT WELL SPENT. Initiatives, i sees fit, should be to invest the budget deficits to into new sectors such as "renewables", for instance. Renewables, a "big" term to be a step ahead to reduce Spore's carbon footprint which is excessively large by int'l standards. Renewables can be programs, subsidy to encourage new investments, training, manufacturing in these industries such as renewable energy (eg biofuel, biomass, wind & solar energy, development/r&d of green machines, green cars, boilers, plants/factories etc etc)... unimaginable prospects.... It could also harness, enhance, integrate & reinforce the existing sectors of the economy. It is high time Spore govt should detach their support for the Petroleum industries & companies & gradually tax these monopolies for the years of tax benefits they've massively enjoyed at the expense of the consumer here. This is in the context of petrol pump prices anyone can easily observed that it is operated like a cartel. Spore should allow diesel engines cars which are now cleaner with the current latest technologies which gives better mileage. Spore should also consider to gradually mandate the use of biodiesel/biofuel in the next 10-20yrs ahead to set example to the int'l world that a small country can also do it's part to sustain the future environment. Unfortunately, our govt budget 2010 proposal from the look of it, is too busy with those trivial domestic issues & largely ignored the bigger issues & missed the big picture totally. This will be detrimental to the well being of spore govt coffers of not spending it wisely... hope debates by the MPs & Ministers able to put together a budget that is more laden with initiatives to set new engine of growth for the economy.. more

Voting Question: This article claims huge government spending is what will restore the economy. Do you agree with this?

Basics of Depression Economics The housing-bubble burst, banks and the stock market have collapsed, but a new economic danger has now taken control. Consumers have cut spending like a no time since the Great Depression. Worse yet, they've got excellent reasons to spend less, and that's not about to change. People aren't buying, so business isn't selling, so employees are getting laid off—by the millions. Unemployment is around 10% That's getting close to depression territory. The Great Depression was horrible and went on for 12 years. We can't let this happen again. But do we know what to do? Amazingly, we do. Banking is complicated, but lack of demand (buying) is pretty simple. The solution was figured out in the depression and applied from 1940 to 1944. And it worked like you would not believe. The GDP grew 75% in those four years. Five times faster than under Reagan-Bush, three times faster than under Clinton. Never before nor since has the U.S. economy grown this fast, and I don't think any other economy has either. Starting from the Great Depression, the U.S. build the mighty industrial machine that won World War II. So what was the trick? Enormous, wasteful government spending. In those four years, the government borrowed and spend the equivalent of $15 trillion in today's economy. And the spending was for economically useless battleships and bombs. These do not make our economy one tiny bit more productive. Economically, no spending is more wasteful. Now I'm not suggesting, useless spending is a good idea. We should spend as wisely as possible. But spending itself is what works in a depression. Other times we should pay down the debt—like Clinton did and Bush did not. And always we should spend wisely. Why does deficit spending work even if it's wasteful? In bad times, when jobs are lost, savings in homes and stocks is lost, people spend less. And they should. For there own good, they must. But this hurts local stores, local repair men and construction workers, and national industries like autos and computers. The situation is simple: Individuals must and should spend less, but this is terrible for businesses and their employees. We cannot ask individuals to spend what they can't afford or do not have. To get us out of this trap, we must ask our government to do what we cannot do ourselves. This is why we have a government. The great danger "It's time for government to tighten their belts and show the American people that we 'get' it." (CBS) House Republican Leader John Boehner, March 8, 2009. Boehner is saying, the government should cut back on spending just like we are forced to. But if the government spends less that means it lays people off and buys few goods from private companies, so these companies will lay people off. In a recession, this is just insane. This is also the same conservative ideology that kept us in the great depression for 12 years. It restrained Roosevelt who did too little and only got us half way out until World War II. This thinking also influenced Roosevelt and made him more timid. The craziest part of Boehner's view is that accepting it would destroy capitalism, while Keynes, Roosevelt, and their modern equivalents A Survival Plan for Capitalism, are trying to save capitalism. more

Resolved Question: What truck do I buy for work?

OK, here's a little background. I have started my own welding business and it's going pretty well. I am still in school (for welding certification). I need a good/solid truck since my FWD Dodge Caliber can;t really handle the loads of trailer and tools. These are two trucks I am considering. Please let me know opinions or advice as far as "which one" to buy and why...thanks 1) 2000 Dodge Ram 1500 4x4 w/ v8 gas. It has 104k and has almost no exterior scratches. The body is straight and it has a clean history. Interior is in pretty nice shape. It is not a leather interior. Has power windows and power locks/mirrors. It is black with a regular bed and extended cab. I could get it for $5,500. 2) 1999 F350 4x4 Super-duty Diesel w/ 7.3L. It is extended cab and in pretty darn nice condition. The mileage however seems high with 280k. The transmission and engine have been serviced and both function properly. The ball-joints and glow plugs have been replaced. It is a XLT with extended cab and regular bed.Has power everything and interior is in good shape. It is Burnt Orange and has a clean history. I could get this truck for $6,500. For the time being I am hauling a 1000lb trailer and about 300lbs of tools inside my car. I initially wanted to mount everything that's on trailer onto a custom flatbed. Both trucks would work, but the 350 would obviously be very superior in load and towing. Also, the potential MPG for the diesel is still around 20mpg highway. I do not know the MPG for the Dodge, but MPG is not a essential factor, just a influence. What I plan to do with my company is not only do house-calls but in time also do field work. Things such as construction sites and farms. I need a truck that can haul a serious payload without issue if the situation arises. Thanks a lot for whatever insight or advice you give me... more

Resolved Question: Is the property management company responsible in keeping a commercial property up to code?

I am currently leasing an office building in Las Vegas Nevada. My husband and I have occupied the space for a little more than two years. When we bought the business it had been set up as a mail store with a mailbox wall added post construction. We've had two prior fire inspections with no problem until now. We recently had a county fire inspector come by and slam us for a bunch of infractions. We've been able to take care of all of them with the help pf our handyman friend but we're running into one problem. There is a fire detection device directly placed on the mail box wall. The inspector says that it is against code to be placed there and that the wall was never written into county plans. I have contacted numerous companies and they are all telling me that because the wall hasn't been written into the plans we must have plans drawn up and file for permits with the county. They have all quoted me on nothing less than $900, needless to say these are harsh prices for a small business like ours. I've spoken with our property company and they claim no responsibility. They claim that when we signed our lease we inherited all problems with the building. Even though it had never been disclosed to us that the wall had never been given a permit. Please someone help! more

Resolved Question: Which party voted AGAINST these Obama tax cuts?

FACTBOX - Tax details of US stimulus plan Tue Feb 17, 2009 9:20pm GMT Feb 17 (Reuters) - The $787 billion U.S. economic stimulus package contains about $287 billion in tax cuts, according to the latest congressional calculations on the value of the package and its impact on U.S. budget deficits. President Barack Obama signed the bill on Tuesday, saying he wants quick action to boost the struggling economy. Here are some of the major tax provisions in the bill: FOR WORKERS, CONSUMERS AND RETIREES * A "making work pay" refundable tax credit championed by Obama of up to $400 per individual and $800 for couples in 2009 and 2010. It is calculated at a rate of 6.2 percent of earned income and is phased out for individuals with adjusted incomes over $75,000 and couples with incomes over $150,000. * A one-time payment of $250 to Social Security beneficiaries, railroad retirees and veterans receiving benefits from the Department of Veterans Affairs. State government retirees not eligible for Social Security would also get the $250 payment. * Increases the earned income tax credit for low-income workers with three or more children. * Increases eligibility for the refundable child tax credit to more low-income workers. The bill reduces the income floor to $3,000 in 2009 and 2010 from the current floor of $8,500. * A new $2,500 tax credit for college education expenses. The credit phases out for individuals earning more than $80,000 and couples with incomes over $160,000. * An $8,000 tax credit for first-time home buyers for homes purchased between Jan. 1 and Dec. 1, 2009. The tax credit phases out for individuals earning more than $75,000 and couples earning more than $150,000. * Temporary relief from the alternative minimum tax for millions of middle-class taxpayers who otherwise would be ensnared by the tax originally meant for the very wealthy. FOR BUSINESSES * Small businesses with gross receipts of up to $15 million can write off 2008 losses against five previous tax years. Current laws allows a two-year carryback of losses. Businesses will also be allowed to immediately write off more of their investments in computers and other equipment. * Businesses that repurchase debt at a lower amount than when it was issued will be able to defer taxes on it. Usually reduced or canceled debt is treated as income and taxed. The break applies to debt repurchased adjusted after Dec. 31, 2008, and before Jan. 1, 2011. * A tax break on capital gains from the sale of stock held in a small business for more than five years. * The bill raises about $7 billion in revenues by repealing a Treasury Department decision last year to liberalize rules that were intended to prevent companies in a merger from taking huge tax breaks on losses of firms they were acquiring. FOR STATE AND LOCAL GOVERNMENTS * Creates a new category of tax-preferred bonds for investment in economic recovery zones for job training, education and economic development. * Creates a new category of tax-preferred bonds for the construction, and repair of public schools and the purchase of land for schools. * Creates a federal subsidy for state and local governments offering bonds that give investors credits against their federal taxes in place of interest payments. FOR RENEWABLE ENERGY * Extends tax breaks for wind facilities and other renewable energy facilities and provides other tax incentives to encourage development of renewable energy facilities. * Authorizes an additional $1.6 billion of new clean renewable energy bonds as well as $2.4 billion of energy conservation bonds to finance state and local government projects to reduce greenhouse gas emissions. * Extends tax credits for energy-efficient improvements to existing homes. * Provides a tax credit for purchase of "plug-in" electric vehicles of at least $2,500. The credit is increased depending on the battery capacity of the car purchased. * Provides a new 30 percent investment tax credit for facilities engaged in producing renewable energy technology and conservation. (Editing by Peter Cooney and David Wiessler) http://uk.reuters.com/article/idUKN1248080420090217?pageNumber=2&virtualBrandChannel=0 more

Resolved Question: Could somebody please grade my paper?

Cars of the 1930s The Automobile Industry resisted the depression and welcomed a new look for cars throughout the 1930s. The stock-market crash lead into the Great Depression, nonetheless the farming and middle-class families did not entirely give up on cars. Throughout history cars have been the nation’s symbol of security, comfort, and leisure. The “drop-frame” construction lowered the car’s center of gravity. The Ford 1932 V-8 significantly introduced the “drop-frame” appearance. Ford’s 1932 V-8 design brought the car’s height down from the high perch of early automobiles. It’s engine was moved over the front axels and the hood was expanded outward. Its sixty-five-horse power capacity gave the car strength. Many people including Clyde barrow favored this car, he said, “I have drove fords exclusively when I could get away with one. For sustained speed and freedom from trouble, the ford has got every other car skinned. Even if my business hasn’t been strictly legal it don’t hurt anything to tell you what a fine car you got in the V-8” He and Bonnie Parker had stolen a 1932 V-8 in Texas. The 1934 Chrysler and Desoto Airflow models cut the edge of engineering and aesthetic auto production. The first car to feature a unified body and chassis was the airflow. The car had sturdiness on the road and a roomier interior. Despite the public found it unattractive, Chrysler structured the advances learned from the airflow into its line of mid-priced sedans. Due to the great depression, the production of all vehicles fell 36 percent in 1930. It then fell 29 more percent in 1931. In 1932, it fell to about 1,300,000 vehicles, the lowest ever since World War one. GM’s Alfred P. Sloan had a strategy called “constant upgrading of product” or planned obsolescence, which meant encouraging consumers to trade up and blanketing the market with a car at the top of every price range. Later “constant upgrading of product” was called sloanism and moved GM to the top. Sloanism emphasized trade-ins and styling. The styling department at GM made cars appear lower and longer. The 1932 Cadillac was the first car to eliminate the separate box-like trunk. By the end of the 1930s US Auto manufactures had established a unified structure, lower, wider passenger compartments that went throughout and up to the 1950s. Aerodynamic styling, or streamlining, meant modeling their new cars on the design principles of high-speed trains and airplanes. This resulted in better speed and fuel economy, made the ride smoother, lessened wind noise and car’s drag. The once-separate body and chassis merged into a unified body. Independent automakers failed throughout the depression years due to the low sales. Car companies that ceased to build were Kissel, Ruxton, Mood, Dobel, Jordan, Stearns, Gardener, Marmon, Peerless, Du Pont, and more. Not all went down; five companies survived Charles Nash, Hudson, Packard, Studebaker, and Willy-Overland. The number of U.S. Automakers dropped drastically from 108 in 1923 to 44 by 1927. The big three were Ford, General Motors, and Chrysler. Large Automakers lowered their prices on their cars to stay in business. In 1930, it was recorded that sales in the auto industry had dropped 2 million from 5 million, just in the previous year. The depression affected the countries entire economy. The big three got a bigger share of the market from the fall of the independent automobile companies. Their share increased from 75 to 90, over the time period since the 1920s. Due to the plant closings, jobless workers, and low production the United Automobile Workers (UAW) Union was founded in Detroit, in 1935. The depression led many workers to strike and believe unionization was the only way to protect themselves from corruption of the companies. In 1935, congress passed the National labor Relations Act (NLRA), which outlawed the heavy-handed measures the companies had been using to break up unions. General Motors spent close to one million from 1934 up to 1936, the reason was for guards to patrol its plants. On May 26th, 1937, UAW leader attempted to hand out flyers at the main gate. They were stopped and trapped, who were beaten along with women, reporters, and photographers. The event became known as “Battle of the overpass.” To close down many plants, the UAW used the sit-down strike. This in effect did stop labor. By 1937, the UAW succeeded against GM and Chrysler. Ford continued to stop unionization. Ford Workers walked out on April 1st of 1941 causing the River Rouge Plant to close. In 1936, strikes by workers led to improved working conditions and wages. more

Resolved Question: Help on my landscaping and construction business plan i need answers under each topic please help asap.?

Promotion How will you get the word out to customers? Advertising: What media, why, and how often? Why this mix and not some other? Have you identified low-cost methods to get the most out of your promotional budget? Will you use methods other than paid advertising, such as trade shows, catalogs, dealer incentives, word of mouth (how will you stimulate it?), and network of friends or professionals? Should you have a system to identify repeat customers and then systematically contact them? How much will you spend on the items listed above? Where will this money come from? Image What image do you want to project? How do you want customers to see you? What plans do you have for graphic image support? This includes things like logo design, cards and letterhead, brochures, signage, and interior design (if customers come to your place of business). Pricing Explain your method or methods of setting prices. Compare your prices with those of the competition. Are they higher, lower, the same? Why? For most small businesses, having the lowest price might take away from profit margin; large competitors can under price you anyway. Will you have average prices and compete on quality and service? Does your pricing strategy fit with what was revealed in your competitive analysis? How important is price as a competitive factor? Do your intended customers really make their purchase decisions mostly on price? Proposed Location Is your location important to your customers? If yes, how? If customers come to your place of business: Is it convenient? Parking? Interior spaces? Not out of the way? Is it consistent with your image? Is it what customers want and expect? Where is the competition located? Is it better for you to be near them (like car dealers or fast food restaurants) or distant (like convenience food stores)? What qualities do you need in a location? Describe the type of location you’ll have. Physical requirements: • Amount of space • Type of building • Zoning • Power and other utilities Access: Is it important that your location be convenient to transportation or to suppliers? Do you need easy walk-in access? What are your requirements for parking and proximity to freeway, airports, railroads, and shipping centers? Include a drawing or layout of your proposed facility if it is important, as it might be for a manufacturer. Construction? Most new companies should not sink capital into construction, but if you are planning to build, costs and specifications will be a big part of your plan. Cost: Estimate your occupation expenses, including rent, but also including maintenance, utilities, insurance, and initial remodeling costs to make the space suit your needs. What will be your business hours? Distribution Channels How do you sell your products or services? • Retail • Direct (mail order, Web, catalog) • Wholesale • Your own sales force • Agents • Independent representatives • Bid on contracts ......I need answers for these in your opinion for a business plan for a landscaping and construction company please help more

Resolved Question: Do I have a chance at becoming a hustler?

I'm in high school right now and I'm located in a country(was U.S.A, right now... in continent of asia) which I suppose has a very bright future, since I was a kid , It was my dream to always end up in a high flying blue collar job somewhere up in Wall Street and slowly become a partner of big firms, but I have so many ambitions, but my wall street dreams deviated once I moved to the land of the software people, I have so much on my mind, I'm currently taking the Business and Commerce stream in my high school and most of my classes are cakewalks for me, I used to flunk half the time in tenth with science and math, I still have math but I mean the Business Studies textbook and Economics textbooks come to me naturally, I dont even have to study for tests and I can ace them, I savour every bit of these books... I'm not an einstein at math so acing the SAT test and landing in some Ivy league is not my priority, it is to me, still a dream. But one great thing I got going for myself right now , sorry if I sound like an oppertunist(hey, told ya I wanted to be a hustler), but right now, I go to one of the most prestigious schools in my city and I have politician's sons as my friends, and construction baron descendants sitting behind my chair, I mean, I know people to can make things happen with a clap. When I get back to the states, I plan to go to a decent B-School and bachelor in accounting, as that is the blood of all forms of business and it would help me become business literate, and then I plan to major in Finance....after that, I plan to become an ERP consultant in case any of my plans dont work as I obviously need a back-up strategy, I will later use the initial salary earned for my ambitions should anything go haywire.....but if the wind is right, I plan to use some of my "connections"(trust me, not petty people, close people too) as my venture capitalists, to start my own soft-drink company, and after a few years, I plan start a construction/real estate company (like TRUMP)and take both of my companies public, eventually I also would like to fullfill my dreams of starting an electric automobile company along with a Insurance company. My dad(who was a small time restuarant owner), has a little idea about my plans, as I told him, but I didn't exactly give him the blueprint I gave you guys even though I think he has an Idea. All I want to know is am I being too overconfident or am I correct about my timing? I consider my self very fortunate to have the right things happen to me so far, its like everything is lined up for me, all I got to do is shoot. I know exactly how hard it is to fulfill dreams, everybody has dreams, only some fulfill it. My mom say isn't exactly pessimistic but she knows me and my network, and I dont think the chances I have aren't something I'm overmining, am I? Let's think about it, sons of politicians, sons of barons as my friends, potential backers, dreams of mine...they can pay for. See, I dont want to act overconfidant and start crying if any of these visions actually get nowhere, but I'm a person who believes in vision, and I wouldn't even rely on just my contacts to get me anywhere, but I can trick a person into buying their own shoes.....Plus I have great managerial skills.... So I'm being optimistic. Is everything in my favour? more

Resolved Question: Do you think Obama has ever read the Book Atlas Shrugged by Ayn Rand, I just finished it last week?

It was 1168 pages long took me two weeks to get through it, easly the Best book that I have ever read, my wife is now reading it, The book seems to really mirror what is going on today's Government, Especially the new Obama administration. here is a quick snapshot of the book from the Wall Street Journal. (WSJ Article) Ayn Rand, who had come to America from Soviet Russia with striking insights into totalitarianism and the destructiveness of socialism, was already a celebrity. The left, naturally, hated her. But as recently as 1991, a survey by the Library of Congress and the Book of the Month Club found that readers rated "Atlas" as the second-most influential book in their lives, behind only the Bible. For the uninitiated, the moral of the story is simply this: Politicians invariably respond to crises -- that in most cases they themselves created -- by spawning new government programs, laws and regulations. These, in turn, generate more havoc and poverty, which inspires the politicians to create more programs . . . and the downward spiral repeats itself until the productive sectors of the economy collapse under the collective weight of taxes and other burdens imposed in the name of fairness, equality and do-goodism. In the book, these relentless wealth redistributionists and their programs are disparaged as "the looters and their laws." Every new act of government futility and stupidity carries with it a benevolent-sounding title. These include the "Anti-Greed Act" to redistribute income (sounds like Charlie Rangel's promises soak-the-rich tax bill) and the "Equalization of Opportunity Act" to prevent people from starting more than one business (to give other people a chance). My personal favorite, the "Anti Dog-Eat-Dog Act," aims to restrict cut-throat competition between firms and thus slow the wave of business bankruptcies. Why didn't Hank Paulson think of that? These acts and edicts sound farcical, yes, but no more so than the actual events in Washington, circa 2008. We already have been served up the $700 billion "Emergency Economic Stabilization Act" and the "Auto Industry Financing and Restructuring Act." Now that Barack Obama is in town, he will soon sign into law with great urgency the "American Recovery and Reinvestment Plan." This latest Hail Mary pass will increase the federal budget (which has already expanded by $1.5 trillion in eight years under George Bush) by an additional $1 trillion -- in roughly his first 100 days in office. The current economic strategy is right out of "Atlas Shrugged": The more incompetent you are in business, the more handouts the politicians will bestow on you. That's the justification for the $2 trillion of subsidies doled out already to keep afloat distressed insurance companies, banks, Wall Street investment houses, and auto companies -- while standing next in line for their share of the booty are real-estate developers, the steel industry, chemical companies, airlines, ethanol producers, construction firms and even catfish farmers. With each successive bailout to "calm the markets," another trillion of national wealth is subsequently lost. Yet, as "Atlas" grimly foretold, we now treat the incompetent who wreck their companies as victims, while those resourceful business owners who manage to make a profit are portrayed as recipients of illegitimate "windfalls." When Rand was writing in the 1950s, one of the pillars Rand, who had come to America from Soviet Russia with striking insights into totalitarianism and the destructiveness of socialism, was already a celebrity. The left, naturally, hated her. But as recently as 1991, a survey by the Library of Congress and the Book of the Month Club found that readers rated "Atlas" as the second-most influential book in their lives, behind only the Bible. For the uninitiated, the moral of the story is simply this: Politicians invariably respond to crises -- that in most cases they themselves created -- by spawning new government programs, laws and regulations. These, in turn, generate more havoc and poverty, which inspires the politicians to create more programs . . . and the downward spiral repeats itself until the productive sectors of the economy collapse under the collective weight of taxes and other burdens imposed in the name of fairness, equality and do-goodism. In the book, these relentless wealth redistributionists and their programs are disparaged as "the looters and their laws." Every new act of government futility and stupidity carries with it a benevolent-sounding title. These include the "Anti-Greed Act" to redistribute income (sounds like Charlie Rangel's promises soak-the-rich tax bill) and the "Equalization of Opportunity Act" to prevent people from starting more than one business (to give other people a chance). My personal favorite, the "Anti Dog-Eat-Dog Act," aims to restrict cut-throat competition between firms and thus slow the wave of business bankruptcies. Why didn't Hank P more

Resolved Question: If i am adviser to US president, what should i do for Job creations?

Should i recommend to gov not to pay cash funds to any foreign country, but offer them American assistance by practical developments & real supplies of US products or services...? For example: Africa need assistance, US construction companies could offer Road networks, Car manufacturer should plan Automobiles for Africa, Factory based Home manufacturers can design towns for African communities, US energy manufacturer establish power houses, US financial institutes can offer micro-finance to businesses in Africa.... etc, all this mega plan should backed by US gov funding to American business owners, but conditional to spend in target location or community This type of home based planning, & localized funding to business can help to create loop of Mega Jobs & opportunities nationwide... fruits of this can be shareable across globe In simple words, Gov assist nationwide business & encourage them to Act in global markets do you think this is practical & beneficial advise ? more

Resolved Question: I am 18, attempting to set up a business, Advice and help needed please !!!?

Me and 3 of my friends have dreamed about setting our own company up for the past few years...Property Development, now we all know abit more about construction, building and how a company works, and now have some money in the bank (not a great deal at this stage), but basically we want some more information as to how to go about it, and how to approach people, i have been told that what we need is a mentor, where will i find a person that is going to be willing to help me really. Legal costs/planning, i am quite confident i can put together a really good business plan as i have looked at lots of outstanding examples, has anybody any advice. I know the market isn't exactly holding a strong structure at the moment, does that mean we should back off or what? Thanks a lot, can anybody advise please? more

Voting Question: Can I sue old employer for sending my new employer a letter about me telling lies?

I used to work for a guy who owned his own construction company. Since the economy sucks and work was low because he wasn't getting any jobs I decided to look for another job a few months ago. Now the relationship with my old boss was out of the ordinary. He would come over to my apt, want to 'hang out' and drink and if i refused or turn him away he would get mad and not call me when we had work or he wouldn't let me do anything at work, just make me get him water like his b*tch or something. I was a concrete finisher and trying to learn more but he refused to teach me when he was mad at me. The guy was a lonely nut case to say the least. He got to where he would sit at my apt and even my girlfriends house and watch and spy on us for no reason. He even tried sabotaging my relationship with my gf many times telling her stuff about me that wasn't true. He over stepped his boundaries as a boss and would never let up even though I talked to him numerous times about it. I was required to call him every day to see if we had any work the next day, and if we didn't have work he'd want me to come over to his house and mow his lawn or feed his dogs or just hang out with him for the day and not pay me. I was so fed up with him that I just didn't call him to work anymore one day and i started looking for another job right away. Another reason I left is he paid me cash, he used to pay me with checks and took out taxes but since the business was down I was just receiving cash and he wouldn't pay me for the full hours I worked and he lowered my hourly salary as well. I made $20 an hour and he dropped it to $14 without even telling me. A few weeks went by and I found another job which I am currently working at now and have been for about 2 months. I just found out this morning that my old boss had somehow found out where I worked (in a totally different town) and wrote my new employer a letter stating all kinds of lies about me including that I never show up for work (I've missed one day of work at my new job due to being ill and my boss made me go home), that I don't work even when I'm at work (my new boss says I'm the hardest working guy there) and he even said that I was a druggie (which I am not). My new boss pretty much knows I'm a hard worker and told me he'd give me a copy of the letter but that I should sue him for slander. My question is can I really sue him? I mean I have the job and hopefully this letter won't cause any ill will with my new boss so most likely I will not be fired cuz i'm assuming that's what he was trying to do, so I will not lose out on any income but can I sue just because he sent that letter stating all those lies? It really pisses me off considering this guy is a nut, how can he get away with doing this kind of stuff? I don't even know how he found out where I worked unless he just followed me one day, that's the only thing I can think of. I plan on calling an attorney about this but wanted to know what the criteria that needs to be met in order to pursue a lawsuit for slander or defamation. Thanks for any reply.What do you mean by character witnesses? Like the guy I used to work with at the old job? He can account for me working and stuff but I doubt he's reliable since he still works for the guy. If I do see him near my property I will be calling the police and filing a restraining order if I can.I think suing him would probably be pointless since I have not "lost" anything other than defimation of character. The whole yard now knows about this and all think I'm a "druggie" and comments are being made now. As I said I probably wouldn't get fired over this letter but I am very mad and yes I want revenge but know I'm limited on what I can do here. The letter actually contained a photo of me, my SSN#, and him saying he fired me for lying about my dad passing away and not showing up for work and that I lied on my application to them. I never filled out an application for my new job, the guy just hired me so he wouldn't have requested anything from him as a reference or whatever but he's just trying to get me fired for being mad I left his company. I know I am just thankful to be away from this freak! more

Resolved Question: What is the average matching funds for 401(k) plans?

A casino I applied for told me that they will match my 401 (k) plan up to 8 %. What I would like to know is what is the average funds that companies will match. What is the company name or business type (finance, casino, construction, etc.) and how much will they match. And what is the job title: manager, maintenance, construction workers, etc. more

Resolved Question: I am looking to start a Bio-Fuels Company and need LARGE investors?

For the past four years I have been working on developing a bio-fuels company and right now I am searching for Investors to help finish off the business plan creation and help begin the construction of what will be the Midwest's largest bio-fuels facility. more

Resolved Question: I would want to know how to recieve help writing a business plan for my construction company?

Some body who could help me or give me a specific website or something. Thank you in advanced. more

Resolved Question: need some advice on my future?

okay so.. i know i shouldn't be asking this question on yahooanswers.but i need to make a decision. and soon im faced with the decision of what to do for the rest of my life basically. i need to know whether i want to go to college for music education or for business music has always been my passion. i love singing. im good at it. i've made top 10 all state every year. i made governors school. ive gotten a ton of awards for singing. i love listening to choirs. i love everything about choir. if i became a music teacher i would become a prefessor at a college. one.. to make a bigger salary.and two.. because high school kids and little children are NOT my forte. on the other hand. my father owns a very very successful construction company. its been in my family for the past 40 years. it was founded by my grandfather. theres a lot of pressure on me because im the only grandchild that can take over the company. i don't want to let my dad down. or the rest of my family for that matter. if i don't take over the company. i basically run the company into the ground and i don't want that guilt on me for the rest of my life. it's not to say that i wouldn't love working there. im planning on maybe going there all next week to feel it out and get a first hand look at what my dad does. i could definitely see myself running a business. im captain of the pom and dance teams at my school and i love being in charge, organizing, planning.. all that stuff. so basically i just want to know your insight. need some advice. maybe some personal experiences that helped you decide what you truley wanted to do? please help i really need some advice. more

Resolved Question: Husband started his own company! Ladies, can you give me some advice?

1st of all I want to say I love my husband very much and he's a very good man, but he is literally making me insane!!! About a year ago he started his own construction company and he's done really well at it. Problem is, lately it has completely consumed him. He grew up very poor and he is now becoming obsessed with being a millionaire. I know these would seem like good qualities, but I'm telling you, obsessed. He no longer has time for me at all. When he comes home, he immediately gets on the computer and works until midnight or sometimes later. If I cook, he will take his plate to the computer....If we go to dinner, he spends the entire evening talking about his business. So far, I have tried to listen and even tried to help him on several occasions (like w/ doing his books & emails, etc) but he's a control freak and won't let me. I've tried having talks with him about this & he gets so upset and tells me he is working this hard now, so we won't have to work later on in life...I can't listen to him anymore go on & on & on about different ways to build houses and marketing ideas. I started a new job a month ago and he barely knows anything about what I do now...I have tried being very nice. I've tried having parties (which he just sits & talks to other people about his business) Ive tried planning romantic weekends, which is very hard because he will work all day Saturday and by that evening he doesn't want to go anywhere. We are a young couple with no kids. I want to enjoy this time. All of my friends live over an hour away, so that makes it harder. I really do want to be supportive, but I feel like I'm about to burst into tears every time I'm around him now. The only time I get attention is when he WAKES me up to come to bed and wants sex. Sadly I usually agree because this is the only time I get affection from him anymore. I need advice from mature wives, am I being selfish? I feel like I have tried everything from being extremely nice, to crying & throwing a huge fit. Nothing has worked. I do everything alone now. I want my fun loving, hilarious, sexy husband back....We need marriage counseling but we can't afford it and there's no way I could get him to go..... more

Voting Question: career plan confusion?

I studied finance in college, but since i just graduated in this bad economy, i only found a job as an assistant for a future hotel owner, and even this job was introduced by my friend. My boss owns some small business, but now he's focused in building hotels. They are located in Manhattan, however, as i just started working in the middle of the building of one of his hotels, everyday i go to the hotel construction site with my boss and try to negotiate prices with contractors, material companies etc. He wouldn't let me handle accounting since he hires a professional accountant(his sister). First as a girl i think construction is not for females. I see other girls wear nice office wear to work, while i can't. I have to wear safety shoes and plain clothes at the site. Second, i am not american, I have to depend on my boss for the petition of my work visa next year, and maybe green card petition too, if i stay in his company long enough(3 yrs) and if he sponsors me of course. My country is repressed and censors internet(guess which it is...). While I like the US, I also hate the fact that I'm like working in construction! Third, if im lucky, i may be able to become hotel owner's representative once the hotel building's finished. If im not, i may work like right now in my boss's other hotel site from scratch... The hatred towards my job seems to be overweighing the advantages of immigrating to America. I've only worked for two weeks, should I stick to it until i find a better job? more

Resolved Question: New Construction Home Inspection?

My husband and I just purchased a brand new house, but haven't closed yet. There is a 10 year structural warranty and a 10 year warranty on the basement for no leaks, etc. There is also a 1 year total warranty on the rest of the house. The week before closing, we have a walk-through with a company, hired by the builder, who will not only inspect the house with us, but provide any warranty maintenance during the first year. My questions: 1. Since we have warranties, do we need a home inspection? 2. Since we are doing a walk-through, and this company will be required to provide maintenance for the first year, do we need an inspection? Additional Information: After we do the walk-through, one week before closing, we also will have a 90-day walk-through and then an 11-month walk-through. The builder we are going with has been in business for a very long time and is well-respected in our state. We feel they are trustworthy, and are impressed with the one-year service plan they provide with every home purchase. But you can never be too careful. Thanks for all serious answers! more

Resolved Question: Can we afford another Supreme Court justice who doesn't understand the purpose and intent of the 5th Amendment?

This case was decided in part by SC Nominee Sonia Sotomayor: "Bart Didden wanted to put a CVS pharmacy on his property in Port Chester, N.Y. He even obtained approvals from the local planning board. "But because a portion of the CVS site was in a blighted redevelopment zone, Mr. Didden was told that planning board approval wasn't enough. He'd have to reach an understanding with a private company that had been selected by Port Chester officials to control all construction inside the renewal zone. "The developer, Gregg Wasser of G&S Port Chester, told Didden he'd have to pay $800,000 or give G&S a 50 percent stake in the CVS business. If Didden refused, Mr. Wasser said, he would have Port Chester condemn and seize his property and instead of a CVS he'd put a Walgreens drugstore on the site. "Didden refused. The next day, the Village of Port Chester began legal proceedings to seize Didden's land by eminent domain." (Source: http://www.inversecondemnation.com/inversecondemnation/2007/01/give_me_money_o.html) Here is a case of one private citizen extorting money ($800,000) from another private citizen. What makes this case so egregious is that, in this case, the extortionist threatened to use the government as a weapon against his victim. What makes it even more egregious is that the Court could find no remedy for the victim under the 5th Amendment Takings Clause or the 14th Amendment. Here a quote from the Appeals Court ruling, which was co-authored by Sonia Sotomayor: "...the recent Supreme Court decision in Kelo v. City of New London obliges us to conclude that they have articulated no basis upon which relief can be granted. (“Just as we decline to second-guess the City's considered judgments about the efficacy of its development plan, we also decline to second-guess the City's determinations as to what lands it needs to acquire in order to effectuate the project.”)....Finally, we agree with the district court that Appellees' voluntary attempts to resolve Appellants' demands was neither an unconstitutional exaction in the form of extortion nor an equal protection violation." (Source: Didden v. Village of Port Chester, 173 Fed.Appx. 93, C.A.2 (N.Y.), 2006.) "Appellants' demands" were nothing more than a request to build on their own property. Appellee's "voluntary attempts to resolve Appellants' demands" were nothing short of an attempt at extorting $800,000 from the rightful property owner. If the City government participates in this extortion, how can it NOT be an unconstitutional exaction? This case is a bad follow-up to a bad precedent (Kelo v. City of New London, cited above). And our Supreme Court nominee refuses to acknowledge extortion when she sees it. As much as she is to be admired for her personal history and achievements, can we afford to have another SC justice on the bench who is indifferent to the 5th Amendment?Moose, once again you've managed to ignore the question and respond with a non-sequiter. Once again, you've managed to pad your numbers without contributing a thing to the topic at hand. Thanks again for nothing.Miss Daisy, I agree with you in part, but I think it's more complicated than just "liberal vs. conservative." After all, in the aftermath of the Kelo case, people from both the left and the right were justifiably outraged.Pliny the Elder, thanks. Would love to know more about what your thoughts are on this.Brooooooklyn, you may be right. She may have felt her hands were tied by the Kelo case. After all, she does say in their opinion that "Kelo v. City of New London obliges us to conclude...." But somehow I doubt that she would do anything to reverse Kelo's effects as a Supreme Court justice. We'll just have to wait and see. Thanks for the links.Nokilleye, where to begin? First of all, it’s obvious you didn’t read the entire question. Otherwise, you would have known that this is NOT about CVS vs. Walgreens. There was no implication that either was a “victim” in this case. This is about property owners, and the fact that the government can just take your property from you at will, regardless of motive. This is about the fact that a portion of the Bill of Rights (the “Takings Clause” of the 5th Amendment) was written specifically to prevent this type of injustice, but the Supreme Court has refused to address takings when they see them. This is about the fact that the poor are just as likely to be victimized as the rich (perhaps even more so). So keep your hysterical laughter to yourself next time. Don’t bother to answer a question if you can’t bother to read it. more

Resolved Question: Any suggestions regarding Small Business Insurance?

I have a 5 year home-based business selling bird diapers. My work is done over the internett. It is a registered with the state of CA as a mail order business. I live in a condo that I own, and my front bedroom is dedicated to my business. I have about $25,000.00 in inventory and equiptment for my business. I know it is important to get things insured quickly, but I am not sure who to go with and what I need. For the last week, I have been talking with someone who just sent me the paperwork for a plan. It is to cover $25,000 of property. Their is a $1,000.00 deductable and the annual cost is $675.00. I do not know how this compares to other companies' policies. Many of these things are included and I do not understand why I would need them. Here are some: Fire Dept, Service Charge, Loss or damage to water heating equiptment, Tenant's Glass, Damage of Premises Renting to You (under liability), propery off premises, ordinance or law coverage including tenant improvement and betterments increased cost f construction, automatic increase in building, etc. My building is insured. I have homeowner's insurance. I do not understand why I would need to have all of this stuff in my insurance policy. My building has fire extinguishers outside and I keep them inside. The fire dept. would be here even if the business did not exist. I do not understand why I would need to pay to have all of these things in my policy. I told the insurance rep. what my situation was like. People do not come to my home. I am in a zoning area that does not allow people to sell directly from their home The policy that I am looking at is with Hartford Casualty. I am sure they are an excellent company. Does anyone have any suggestions as to what I need and a company that will provide me with only the items I need, and not a lot of extra things that do not apply? I would appreciate any suggetions? Thank you ahead of time. more

Resolved Question: Ladies, I've done something pretty stupid (probably)?!?

I'm asking in this section because this is where all of my contacts are. Please no mean or rude answers but I need to know something.... This may be kinda long, sorry. So my husbands job has been really slow the past few months, (he's in construction and the foreman for the company). His boss who's the owner is also his best friend, he's a young guy, he's a good guy but he's a shitty boss. Won't go out to do the footwork and find them work alot of the time, instead spends his days golfing, etc. So here's the dilemna. For the past 2 months we've been struggling financially, and I've been picking up extra shifts at my work to make ends meet because my hubby hasn't been working full time. My husband has a job interview scheduled for tomorrow.... and his boss earlier this week told him there was no work. So today he gets a call from Kevin and Kevin says " I need you to come in to work tomorrow." Well Adam (husband) told him no because he had something planned because he was told there was no work. To which Kevin replied "Well I'm not paying out of my pocket so that you don't have to work, I won't be approving your unemployment this week, work was offered!" Well one day is about 100 bucks, versus unemployment which is a 400 dollar check! This is a game Kevin has been playing for the past month, offering his employees one or two days a week so that they cannot collect unemployment because in Kevin's words "well work was offered." I think this is a shitty way to treat your best friend, employee or not. And a shitty way to run a business... but that is besides the point. We made him the god father of our child for God's sake. And I feel personally offended that he's treating us like this.... not caring for our well being enough to allow Adam to collect unemployment, instead trying to screw him out of it by only working him one shift!! Bull crap, right?! So Adam of course explained to him how crappy he was behaving. They have a very casual relationship. And I asked Adam if I could email Kevin and he said go ahead because I was literally fuming. So I basically emailed Kevin telling him how concerned for our well being I was and that we couldn't make ends meet on one shift a week, to please at least allow him to collect, that that was a very cruel and heartless way to treat your employee/friend, whatever!! For God's sake the guy was in our wedding a month ago!! Do you think this was inappropriate of me to do? I think this is my business too, considering he's a friend of the family and is affecting our lives in a negative manner.HA! Lise what are you doing trollin?He wants Kevin to let him go so that he can collect while he's looking for another job instead of being offered this one day a week crap! Is there a way to let EDD know whats going on? more

Resolved Question: I was just told that I am gonna be 1099 next year, can they? In a bind please help!?

My Step-mother and Father purchased several foreclosures in Alabama where my sisters and I live. They live in California and plan to move here so they wanted rental houses here for income when they move here. They asked me and my sisters if we and our spouses would do the work for the houses and they would pay us for our "help". We were told that these houses are not in their business name, they are in their name and that we are not workers we are helping out the family. My step-mother after we have worked 4 1/2 months call us to get all of our social security numbers says she is 1099 us next year. My oldest sister whom used to be in construction business explained to us that she didn't believe she could because 1. These houses are not in any business name and you don't 1099 a roofing company for fixing your roof, so you don't 1099 painters painting your house. 2. In order for us to be considered workers she should have some liability insurance and Workman's com policies. 3. We should have had a waiver signed stating we were aware we where being 1099 and liable for our taxes. 4. You have to have a Federal Tax Id # to file taxes. My question is, after 4 1/2 months can someone say "oh by the way I am 1099-ing you" and legally do they have the right to 1099 us when nothing was done in a business name? I appreciate any and all input and advice! Thank you for your time.when I filed my taxes (hrblock) I asked if my parents paid me to do work on their houses do I have to claim that and my answer was "If it is not filed under buisness name or I was not hired as an employee or contractor, than no."I have only worked 4 1/2 months as in starting January of 09 to now, so I didn't lie to them about anything... When I filed my taxes in Febuary, I asked them if I was being paid to paint and clean would I have to claim it NEXT year... more

Resolved Question: Do you think this business idea is good/will work?

I am 16 years old so this business won't be official until I am in my twenties, hopefully early or mid 20's. I want to call the business: Innovation Renovation. Basically it is a business focused on renovating clients homes. I am not 100 percent on the details yet but I am thinking we can do the interior if they want. Or if a client buys a piece of property and wants to knock the house down and rebuild it, they can tell us what they want the house either to look like, how many bedrooms or what they want in it and such and then we will design and build it. The company can also buy property themselves and then either knock it down, re-build it and sell for more, or just renovate the inside. Now, I am sort of into design, so I am considering getting a career in Architecture, which takes 4 years, and then a degree in Interior Design afterwards, which takes 2 years. After I have the schooling I would want to start the company and then hire Real Estate Agents and Construction company's to actually build the house and help with the property purchasing and such. That is the one possibility, the others are, I can also get a Real Estate degree on top of the architecture and interior design degree and do everything myself, OR I don't get an architecture/interior design degree and only get a Real Estate Degree, still open the same company but then hire Architects and Interior Designers. What do you think? Are any of these even good business plans? Which would work better? Would I have time to do everything myself (designing, real estate and the business aspects)? Thanks more

Resolved Question: Would this be a good business/business plan?

Resolved Question: Is this a good business/business plan?

Resolved Question: What to do about upset family members when wedding is small and on a budget?

So we are in a situation where we are unsure of our employment. It is fine now, but my fiancees company is in the construction business and it is just too shakey of a market for us to spend thousands on a wedding. Neither side has offered any money to help pay for the wedding. Nothing. That is okay, but we are not willing to spend our savings on a wedding for extended friends and family. Sad, but we do not want to risk financial troubles down the road. Our wedding is planned with a guest list consisting of us, two maids, two groomsmen, two flowergirls, the parents and grandparents, brothers and sister. That is all. Approx 25-30 people. We can afford that. The chapel is around $500 for ceremony and the reception cost is around $2500-3000. The parents are angry and say we are being selfish by not allowing family to attend. My response was...."if you want to pay for it, then we will invite whoever you want, but we cannot afford to pay for more than 25-30 people on our own". I am just being honest. We decided to have the ceremony at the Yosemite Chapel and our reception at a hotel there, that way we can tie our honeymoon right into the site...that saves a lot too. They are still PO'd and talking all kinds of garbage to family. What do I do about this? My first thought is to ignore them and just go on with our plans as I do not need to explain my financial situation to the world. What do you think? more

Resolved Question: I"am in the beginning stages of starting my business, a continuing care retirement community.?

I'am looking for different ideas on how to get Government funding or lending and other donations from local large companies. My business will bring 100's of jobs to the area and create a safe and healthy community for the elderly. I have sketches and scaled drawings of my building and a complete business plan along with quotes from two local construction companies. Now I'm left with having to come up with a large amount of money and have no ideas where to begin. I'm going to try local banks if I have to but would rather use that as a last resort if I can find money else where. I have heard that the Government offers low interest loans and grants to qualified individuals. I would really appreciate any information on how to go about getting started with this. more

Resolved Question: What is a financing suggestion for retail business start up?

I thought a grant would be an option. I am a female minority. But having so much trouble with finding a grant that would apply. Also, I live in a rural area so I thought that may help out-nothing there. I have a business plan, even found a suitable building for lease, and I have a merchandiser. My husband has a small construction company, so we aren't new to business in general, just retail is new for us. I am looking for about $35000 to lease the building, get merchandise, etc. Our personal credit is not good, okay poor. Bankruptcy 7 years ago, before we started the construction business. But right now debt to income isn't good as construction is way, way down and we have two houses on the market. Any suggestions? more

Resolved Question: Can I hire people for a small, temporary job without the goverment being involved (read more for details)?

I'm planning on having a small farming business on my 1 acre land. But I have a primary job working for a construction company and I don't have enough time to fully work on my farming business. I was wondering if I could hire a few individuals (only about two or three really) to help me on the field. I'm growing strawberries so the harvest will probably only last about a month or so. Then when I'm done I will sell the strawberries to a friend of mines who will then re-sell them in public at a higher price for his own gain. Alright, now when I mean hiring them without the government being inolved, I'm trying to ask if i could hire them without the whole working check with government taxes and insurance thing. If possible I would like to simply pay them in cash to make it easier on me and them (by the way, I already know someone who would like to work for me and he agreed with my idea saying it seems much easier this way since the gov. doesn't get a percentage of his income). Of course, I will pay them fairly by giving them $8.50 an hour, which meets the minimum wage requirements (in fact it's 50 cents higher than minimum wage). So is this possible? more

Resolved Question: I think I have been scammed.....?

I recently went to a reception hall because I am planning my daughter's quinceanera. I talked to a lady who says she works for a party planning company and they work with many different reception halls throughout southern california. She seemed legit. So when she told me to meet her at her office a few days later to write up the contract I did. Her office was in a strange location and looked like an apartment but I didn't think anything of it at the time, she was nice and showed us some decorating ideas and what not and we signed the contract and gave her a deposit. We later checked the business licensing number on the contract and it came up the business license for a construction company. We are having a very hard time getting a hold of her and her only phone number is a cell phone number. How can I find out if this is a scam or a legitimate business? more

Resolved Question: An interesting idea? (feedback wanted)?

Resolved Question: An effective idea? (feedback please)?

I recently had what I thought was a very good idea about how to rapidly stimulate any 3rd-world nation's economy and set off a period of rapid growth. It's a very simple plan actually. Imagine a Newman's Own business model on gigantic proportions. Basically have some venture invest a few billion dollars into a national conglomerate that produces cheap, essential needs (basic medical supplies, bikes, cheap food, simple technology, etc...). Now any profit the company makes, and if this is run well it should make a lot of profit, will go directly into building and rebuilding the nations infrastructure (education, power, hospitals, transportation yada yada yada) Hopefully these project's construction and maintenance will be done by local companies which would further produce more jobs. All this, along with the government's coropartion and low business taxes, as any 3rd world nation should have, would increase foriegn investment and finally lift most of the nation out of poverty. And while this would work faster in some places than others, but the result would eventually be the same. And as for the intial investers, whomever or whatever they be? They could slowly cut back on the amount of profit they give to the country as the country's wealth increases until they have not only become very profitable but also have a created a new markert and have the graditude of a nation. To me, at least, it sounds like a very do-able and interesting sort of charity/experiment. I hope some billionares are reading.to Cthulhu fhtagn!: I agree that a (very) corrupt government would derail the project. However if the project has even an inkling of promise, the politicans would be mad to not protect the company if they want their jobs. Also if the company pays all employees a livable wage (again this is partly charity, and shouldn't be to hard to do) an employee would have to be crazy to steal when there are hundreds of thousands of people who would take their job. Again with politics, would politicans be crazy enough to tax the corporation when it would be funding a majority of its infrastructure. Lastly, I would file this project more under charity than an investment. I wouldn't promise investors a full return, but a rather an opportunity to go down in history as part of one of the greatest social experiments of all time. more

Resolved Question: Who is "Someone else"?

I'm a non-native English speaker from outside of US, not well educated. Excuse me for my reckless English writing. Everytime I get laid off, supervisors say "You are still young and have good talent. Someone else's going to give you better job". 15 years ago, I was hired by a small construction company as a contruct worker for 5 years. My job was simple, such as driling and carrying materials. Along with the company's bussiness grew bigger, they hired more workers and bought large construction machines (Driling & carrying much faster than human). But few years after, their business was fading and they started laying off many workers including me. They still had as many jobs as they did 5 years ago, but they have large construction machine and no longer needed as many workers as 5 years ago. The supervisor described me that as what they call "restructuring". Then he said "You are still young and have good talent. Someone else's going to give you better job". So, I checked classified ad on news papers to find a new job. I found new job as a welder at a large auto-maker's plant. I worked as a welder for 4 years, but they bought what they call "weldering robot" (Weldering much faster than human). So, they relocated me and others to assembly line. Of course they've cut the pay of us. After a year, they bought automated assembling machine and called for voluntary retirement. The supervisor said "You are still young and have good talent. Someone else's going to give you better job". Fortunately, I have commercial vehicle license and found a job as a short distance truck driver between parts making plant and assembling plant of auto-maker. I worked as a driver for 5 years. But what they call "financial crisis" occurred and the auto-maker I work for also must close some of their plants. Since they have to do what they call "cost cutting & restructuring", they are planning to build parts plant near the assembly plant and use automated transfer system between them. Now, I'm ready to hear "You are still young and have good talent. Someone else's going to give you better job" again. Who is going to be next "Someone else" for me? Machines? I used to buy products from whom I work for, but without job, I can not afford products they make any more.....and I don't think I can keep paying for internet fee until I get answear.... I also used many "Someone else" myself. I'm recently sending new year's day cards to my friends with using my mobile phone. "Someone else is sending their cards by post, so post-man will not loose their job"..... I read news on the internet, so I don't subscribe any news paper or magazine. "Someone else subscribe news papers and magazines, so news paper company will not run out of their business." I'm going to lose my job soon and cut my expenses. "Someone else is going to spend money and create new job"..... NOOOOOOOOOOO!! I'll be the one who create my own job this time!! And never be the one who says "Someone else". more

Resolved Question: Is this tax fraud, it has alot of reading, so please give me serious answers!?

This is going to be long, so everyone has an understanding on the situation. I worked for a company for about 3 years as a Administrative Assistant. I started my job at the age of 18 years old, 3 months after I graduated from high school, she hired me. I worked there and had paid my first car off. My car had broke down in GA when I was traveling for my job to check a construction site since one of our foremans was off, I had to go to check the site which was 3 hours away. They paid for the gas. Well, on my way back to Florida where I resided, my car broke down in Alabama. So the laborers came and picked me up and my car. Come to find out, my car had a blown head gasket. They said it would have been hard to replace and cost BUNCHES of money, so they BOUGHT me straight off the lot a $8000 2000 Dogde Durango. The completely paid it off from the car lot. I had signed a contract with them to make monthly payments to her. I could have it taken it out my check each week or once a month. I also had to pay a 10% interest rate. But when she bought it, it went under her company's name and she signed it as the lien holder(the president of her company). I was the buyer. Well, I found out that I became pregnant. I told her that I was moving back home, plus I knew she wasn't doing to well in the business because of the economy. We had a plan set up to where she'd buy my gas 2 weeks out of a month since I was driving 33 miles one way to work and ran the office 3 weeks out of a month so SHE could save on gas. So we agreed to that. Well, she started to slack on her end and I was basically working to pay for my gas. I told her I was going to put in my 2 weeks notice soon because I was pregnant and wanted to move back to Indiana to raise my family with my husband. She told me she would give me a raise if I stayed. So I agreed. Then she started to push and push and push my buttons to where she knew I would break and just quit so I couldn't draw unemployment. Well, I had put about $5000 into this Durango she bought me. For a rebuilt transmission, new tires, new hoses, new hubs, new brake lines, new pulleys, new EVERYTHING. THe only thing that needed to be replaced IF it were to go bad, was the motor. I quit my job because she told me I couldn't take my truck out of state. I didn't even read my contract (which I know I should have) but when I got to Indiana WITHOUT my truck, it didnt state anywhere where I couldn't take it out of state. She forced me to give her back my truck. So I did. But I went to my local DMV to sign a bill of sale stating that I returned my vehicle back to the lien holder, so they couldn't sue me 3 months down the road saying that "I didn't make payments so they we're reposessing my vehicle" I made a paper trrail to cover my behind. But then I found out that their company went belly up 1 month after I quit and left. And also found out that they used MY TRUCK as a deduction or an expemption on their company's tax refund. They labeled my vehicle as a company vehicle. BUT they were recieveing intrest payments from me. Can they do that? I know they weren't aloud to take my car, but I didnt know any better. And I didn't know that they werent suppose to claim my car and get interest money too. So they got money from me and the IRS. Is this right? Should I file a fraud claim? I'm only 21 and I've already been screwed over, I just need to know what is the RIGHT thing to do? It's already sad enough that she took a vehicle away from a at the time 3 month pregnant woman, but to get money for it too, thats what makes me sick. She acted like a friend to me (so i thought). Thanks for reading this. I need as much help as i can get.first, i said this was LONG to read...miss BIO girl. Also, I made more than just 3 payments. I paid 2 years monthly payments! NEVER LATE!! always one week early actually. MOST payments were more than the actual amount due.Also, she deducted it last year in her taxes. So this isnt fraud? I was told it is!Again, she paid for it IN FULL! I was making payments back. And we had a spreadsheet that stated all that I had paid for and when then last and final payment be if I were to COMPLETE it. But since she wanted to try to MAKE me stay, she threatened on keeping the truck. So when I told her I was definately leaving, she said I had to give back the truck. I already had a job lined up and was willing to make 2 month payments up front, but she said NO. more

Resolved Question: Does Obama have a plan to help families effected by all of the lay-offs?

Okay i live in Washington State, i don't know how bad it is in your state but people are being layed off left and right. My boyfriend and i live with my mom and step dad in a large house, we are expecting our first baby this april. Within the past MONTH my step dad got laid off, my mom can not work because she is working due to schooling, and my boyfriend just found out he may be getting laid off within this next month. No one is hiring and no one can find a job. My step dad used to own a construction company and was a private contractor, but he couldn't afford to keep pay for his contractors license and insurance. I am almost 8 months pregnant and i work part time as a nanny, i only make 300$ a month and that barely pays for gas. no one will hire me because i am pregnant. Starbucks layed off 6,000 people and closed 300 stores. Boeing also layed off over 1000 people. those are two HUGE businesses in Washington. Does anyone know if Obama has a plan for us? and has he said anything about what is going on? i think that our country is in a crisis and that something NEEDS TO BE DONE. i don't see why we are paying for abortions and planned parenthoods in other countries when this sort of thing is going on... i don't mind sending some birth control and condoms to mexico but i think that funding their abortions is a little much with what is going on in our own country, what happened to looking out for number 1?plans to make my neighbor pay for me? because people will be going on public assistance? were not on any assistance right now but you can bet that im going down to get some help with paying for food and rent. My family puts tax money into those programs every single day so why not use them?Im not asking the republicans about it because the republicans are not in charge any more. Obama was voted in because of the word "change" and he is in charge now. he is the one i am asking because he apparently has the power to "change" things for usI am not a dem or a republican. i agree with things on both sides. more on the dem side then republican, more

Resolved Question: Bloody Monday: Did you know 68,000 jobs were lost today? ?

NEW YORK (CNNMoney.com) -- The final week of January began with a bloodbath for the job market, as over 68,000 more cuts were announced on Monday alone. At least six companies from manufacturing and service industries announced cost-cutting initiatives that included slashing thousands of jobs. More than 200,000 job cuts have been announced so far this year, according to company reports. Nearly 2.6 million jobs were lost over 2008, the highest yearly job-loss total since 1945. "It's all about the consumer, and the consumer's been hit hard," said Robert Brusca, chief economist at Fact and Opinion Economics. "It's a vicious circle as weakness begets layoffs, which beget more spending weakness." Construction machinery manufacturer Caterpillar (CAT, Fortune 500) said Monday it will cut 20,000 jobs amid a "very challenging global business environment." The company had already planned to cut 15,000 workers since the fourth quarter of 2008, but added another 5,000, bringing the total to 20,000. http://money.cnn.com/2009/01/26/news/economy/job_cuts/index.htm Bush is gone but we are still paying for his terrible presidency. more

Resolved Question: What are some of the common pitfalls when working with a designer on a new logo?

I am planning to have new Logo for my construction company In New York but do not want lose my hard earn money on any low level designer because I think Logo is very important in any company business. more

Resolved Question: Can we qualify to buy a house? how much?

Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA more

Resolved Question: Can we purchase a home?

Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA more

Resolved Question: Can we qualify to buy a home? how much?

Resolved Question: Can we be Pre-Approved? How much?

Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy? We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA Downside….In 8 months from now I will only be 21 years old and he will be 23. I’m worried we are looked at as a risk for being young. Thank you so much in advance for all your advice.This tax season he will have a 10'99 and a W-2...3 months ago he started getting taxes taken out of his paycheck. more