... credit growth and improved global financial markets. State-run CCB, in which Bank of America Corp ... revenue from fee-based intermediary businesses such as credit cards, wealth management products and trade ...

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September 1st ... Union Financial Credit Services (AUFS) a credit card provider with a network of over twenty-two million organized labor union households. AUFS currently issues both Discover and MasterCard credit cards

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a Minneapolis-based group of related financial ... renamed it Marshall Bank. In early 2005, Marshall bought BankFirst in Sioux Falls, S.D., a much larger bank with a large portfolio of subprime credit cards,

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Although I beleive this will never pass, I can only wonder how one of our distinguished congress men can propose such a bill. Subject: 1% transaction tax Date: Saturday, August 14, 2010, 6:42 PM Here is the rest of the story ----- snopes.com: Debt Free America Act ••• Is the U.S. government proposing a 1% tax on debit card usage and/or banking transactions? ...Claim: The U.S. government is proposing a 1% tax on debit card usage and/or banking transactions. Examples: [Collected via e-mail, July 2010] While... ...TN I heard that in the future the government may be planning to place a 1% tax on people using debit cards at the check out. I have heard... ...to pass a 'banking tax' that will take 1% of each deposit and 1% of every transaction out of a bank account. Origins: Rumors about a 1% tax being... Sat, 14 Aug 2010 11:25:03 GMT http://www.snopes.com/politics/taxes/debtfree.asp 1% transaction tax This will endear Obama with everyone! I wonder what his poll numbers will be after this becomes common knowledge? Please share this new tax proposal with everyone you know. One percent transaction tax is proposed Last updated Friday, July 9, 2010 - 3:39pm (UNEDITED)President Obama's finance team is recommending a transaction tax. His plan is to sneak it in after the November election to keep it under the radar. This is a 1% tax on all transaction at any financial institution i. e. Banks, Credit Unions, extra. Any deposit you make, or move around within your account, i. e. transfer to, will have a 1% tax charged. If your pay check or your social Security or whatever is direct deposit, 1% tax charged. If you hand carry a check in to deposit, 1% tax charged, If you take cash in to deposit, 1% tax charged. This is from the man who promised that if you make under $250,000 per year, you will not see one penny of new tax. Keep your eyes and ears open, you will be amazed at what you learn. Lee Hoecherl Washington Terrace http://www.standard.net/node/44797

My friend has USD55k co-signed student loans. Due to unemployment, he was not able to make payment and the loans went into default. Since he does not reside in US, his co-signer does not believe his financial difficulties are real and thought he is just trying to evade the loans. He feels really bad for not being able to repay the loan and got his co-signers into trouble. He does want to repay the loan but without any income and insurance make things really hard to even get thu a day and I can tell he has been under severe depression. I really wanted to help him and posted questions here for your advice: 1) with borrower like him (not a green card holder / not residing in US currently), how can he deal with the situation (private student loans with sallie mae in default ) but still care very much to repay the loan and try to minimize the damage caused to his co-signer? 2) if I help him borrow enough money to repay the student loan, will his credit be improved very soon given the fact that he also has another USD20K +credit card debt? he is in the process of job interviewing and seems that he has a good chance to get a decent paying job after two years struggle and financial hardships; if he can get the job, he can definitely get back on his feet and have a fresh start. however, he is afraid background/credit check will affect the hiring decisions. Can anyone tell us a) is paying off the student loans a wise solution ? will it help improve his credit in a very short amt of time so he can pass the credit check for getting a job? (not that we don't care about the credit card debt, it is just too large amt to pay; I will have to try very hard to pool USD55k thu borrowing from banks, friends and relatives for him; the credit card debt with 4 different institutions might have been in the hands of collection agency and we don't have a clue what to do with collection agencies); b) is there any possibility that Sallie Mae is willing to let the student loan amt be reduced if we offer to pay to close the loan? my friend is a good /hard working person and it breaks my heart seeing him thu this. I am thankful for your adivce.

I am a relatively successful business owner and the family's breadwinner. My wife never worked during the marriage. Some time in the past, she had a serious spending problem. After bailing her out multiple times from a massive credit card debt (over $80k in one case), I implemented a strong austerity doctrine. I made her close all her credit cards, put blocks on her credit files and cut access to all bank accounts. Now she only has two re-loadable debit cards. I transfer a budgeted amount allocated to groceries, clothes and other household items on the 1st day of every month. This money she can only spend on these categories and the account can be monitored online. She also gets her allowance on the second card ($400 every 2 weeks, was more in the past). This money is hers to blow on whatever she wants. She can check the balance on both cards at any time from an app on her iPhone. Once the money is depleted, any transaction is declined; there is no overdraft fee. The monthly expense on these two budget categories is a small fraction of my income; I could easily double it without any fiscal adjustment. However, I'm a saver and I budget for everything. This arrangement has been in place since 2004 (less the iPhone) and is a source of contention between us. Her position: I'm a controlling freak who doesn't trust her and does not allow her to enjoy life. Instead, according to her, I stick millions up my a## to take with me to afterlife when I kick the bucket. Because of me, she has to watch every penny like a "third-class citizen". She also has to endure "the looks" when she has to explain to her friends that she can't go to some expensive spa because her husband is "a piece of dirt". And the embarrassment of having a card declined at the end of every month. Life is unbearable and I'm the source of it all. My behavior amounts to an emotional spousal abuse. To relieve this misery I should allow her full control of one half of the "family" income and lift the blocks from her credit files. She promises to not repeat the past reckless spending behaviors. My position: There is a budget and it's only good if it is followed. The budget is the cornerstone of our financial stability and is generous enough to meet all needs comfortably. The limits for various spending categories can be discussed and adjusted when the annual budget is put together every December. I am willing to accommodate all reasonable requests, but will not tolerate turning cash into trash or any irrational demands. She has demonstrated lack of self-control in the past. I accept the responsibility of making sure the family does not end up in the poor house, but I can only guarantee it if things are done my way. If she wants to spend more, she should get a job. I currently have a live-in nanny who takes care of children, so she can go and work full time. If I see that the earned money is used responsibly, I may let her have some limited control of other finances. Until that happens, any changes will proceed only over my dead body. This is where I'd like to hear some unbiased opinions. Keep in mind that since I'm the one who wrote the description, it might be inadvertently biased in my favor, although I tried to keep it neutral. So, which one of us is right? In case you think of divorce as a possible solution, I am protected by a strong pre-nup and have numerous other advantages in that area. I'd leave that option as the last resort.

here is a list of what Obama has done manypeople don't know he has done anything Arts and Culture Funded the National Endowment for the Arts (NEA) at the highest level since 1992. ref, ref, ref, ref Created an artist corps for public schools. ref Championed the importance of arts education. ref Promoted cultural diplomacy. ref Banking and Financial Reform The Credit Card Accountability, Responsibility and Disclosure Act. ref, ref Managed the Troubled Asset Relief Plan (TARP) ref; (Banks have repaid 75%, bringing the cost down to $89B.) ref Played a lead role in G-20 Summit, which produced a $1.1 trillion deal to combat the global financial crisis. ref The Restoring American Financial Stability Act of 2010. ref, ref The Fraud Enforcement and Recovery Act. ref, ref Established the National Commission on Fiscal Responsibility and Reform. ref1, Closed offshore tax safe havens, tax credit loopholes. ref, ref, ref Reformed Deferral Rules to curb tax advantages for investing overseas. ref Permanently extended Research and Experimentation Tax Credit for domestic investments. ref Established new Off-shore investment policy, which promotes in-sourcing. ref, ref Reformed credit card swipe fees (via Amendment to H.R. 4173 – Sec. 1079) ref New criminal penalties for mortgage fraud. ref Negotiated deal with Swiss banks to permit US government to gain access to records of tax evaders and criminals. ref Congress investigated Goldman Sachs for its role in subprime mortgage meltdown. ref (U.S.) charges Goldman with subprime fraud. ref (Treasury Department) Sold 1.5 billion shares of Citigroup at a profit. ref (Pay Czar) Cut salaries for 65 bailout executives. ref Issued compensation guidelines for bank executive salary and bonuses ref, ref The biggest financial reform law since the Great Depression ref Civil Rights This category is still under construction. Many items that will be included in it are already embedded in Humanitarianism, and other overlapping categories. Commerce, Trade & Communications Expanded loan programs for small businesses. ref The Small Business Act and the Small Business Investment Act. ref The Credit CARD Technical Corrections Act of 2009. ref Webcaster Settlement Act of 2009. ref The Satellite Television Extension Act of 2010.ref Established a credit card bill of rights. ref Launched the National Export Initiative, with the goal of doubling US exports by 2015. ref, ref Appointed the nation’s first Chief Technology Officer. ref Launched piracy crackdown. ref Promoted Internet Freedom as Part Of U.S. Foreign Policy. ref, ref, ref Denied Federal contracts to tax delinquents. ref (Senate Panel) Passed tougher rules on derivatives. ref (Democrats) Unveiled Citizens United response bill. ref, ref ^roytoric Proposed tougher meat industry antitrust rules. ref, ref Economy, Employment and Labor The American Recovery and Reinvestment Act of 2009 (ARRA): A $789 billion economic stimulus plan. ref Assigned a Special Inspector General for the Troubled Asset Relief Program Act of 2009 . ref Unveiled 33 Billion-dollar jobs package. ref, ref Provided $5,000 tax credit for every new worker. ref Provided a US Auto industry rescue plan. ref, ref (HHS) Provided New Health IT Workforce Grants (under ARRA). ref The Credit Card Accountability, Responsibility, and Disclosure Act. ref The Jobs for Main Street Act (2010). ref Established President’s Advisory Council on Financial Capability to assist in financial education for all Americans. ref, ref, ref The Worker, Homeownership, and Business Assistance Act of 2009. ref Established FERA. ref Established the National Export Initiative ref A temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958. ref The American Jobs and Closing Tax Loopholes Act of 2010. ref Found $20 Billion in budget cuts. ref Created an Advanced Manufacturing Fund to invest in peer-reviewed manufacturing processes. ref Increased minority access to capital. ref Established economic justification requirement tax changes. ref Provided grants to encourage energy-efficient building codes. ref Extended and indexed the 2007 Alternative Minimum Tax patch. ref Created task force to fight deficit. ref Restored funding to the EEOC and the U.S. Department of Labor’s Office of Federal Contract Compliance Programs. ref Established partnerships to share environmental technology with other countries. ref More than doubled federal spending for research on clean fuels . ref CBO found 3.7 Million jobs created by stimulus. ref Raised the small business investment limit to $250,000 through the end of 2009. ref Extended unemployment insurance benefits and temporarily suspend taxes on these benefits. ref ref Made Haiti Donations Tax Deductible For 2009. ref Equalized tax breaks with driving to promote public transit. ref Provided National Export Initiative/Progress report and named Pr

1.The percentage share of total U.S. financial assets held by commercial banks and thrifts has increased since 1980. 2.Check able deposits held in saving and loan institutions, mutual savings banks, and credit unions are part of the M1 definition of the money supply. 3.Credit cards are treated as money because they facilitate transactions. 4.The number of U.S. banks has increased since 1990. 5.The twelve Federal Reserve Banks are govern mentally owned but privately controlled. 6.Currency and coins held by banks are part of the M1 definition of money supply. 7.The monetary multiplier and the income multiplier are two ways of referring to the same concept. 8.Balance sheets always balance because reserves must always equal liabilities plus net worth 9.In an uncontrolled or unregulated system commercial bank lending will tend to intensify the business cycle. 10.When commercial banks retire outstanding loans, the supply of money is increased. 11.Commercial bank reserves are an asset to commercial banks but a liability to the Federal Reserve Bank holding them. 12.An individual bank can safely lend out a multiple of its excess reserves, but the banking system can safely lend out only an amount equal to the excess reserves in the banking system.

What is the chance of me winning the case if we go to court? Here is the whole story of what happen: http://forum.deviantart.com/community/complaints/1489481/ Here's the questions I am dealing with: http://forum.deviantart.com/community/life/1489983/ 1. i am a minor but turning eighteen next year, can i sue someone? i know that my brother will say that he installed a spyware "to protect me" or something even though he's not even my legal guardian (mom didnt request this either) and he can always accuse me of watching porno (i am sure porn got caught on his thing because i was googling "why do porn stars have such pink vaginas" LOL) but still i dont think porno is such a big deal? 2. my brother is not even my legal guardian, nor did any of my legal guardians request my brother to install a spyware. 3. my bro installed a spyware on my computer without my permission. he started asking me why i had a password on my computer and even ******* broke into my account by using safe mode. 4. he installed it to get my personal info and financial info. he often asks me for my deviantart, my other art sites, my blogs, etc. because he wants to show off his sister to his friends or something (i dont believe it) and even asked for my credit card info once in a while and tried to see if i had paypal (which i do actually and i got my mom's permission) to be VERY honest, i think my brother is a bit obsessed with me. always nosy and **** though he doesnt do this to anyone else 5. i do not know if he has my financial info because i dont remember logging into my bank account or anything, but i might not remember right and he MIGHT have it. can he still get arrested for "potential theft"? Also, my brother definitely did log into my emails, etc. and read things. I heard it is illegal to use keyloggers on people who isn't your ward.btw he's 24 i am 17

I am working on organizing all my documents into a folder structure that will easily let me find anything at later time. These are some of the folders: Education\Diplomas Education\Research --------------- Financial\Bank & CC Statements\Capital 1 Financial\Bank & CC Statements\Chase Financial\Credit Reports Financial\Disputes Financial\Insurance Financial\Loans Financial\Pay Stubs\2009 Financial\Pay Stubs\2010 Financial\Receipts & Invoices Financial\Taxes --------------- Food\Menus Food\Recipes --------------- Legal\Accident Info\Motorcycle Accident 07.09\Pictures Legal\Accident Info\Motorcycle Accident 07.09\Police Report Legal\Tickets --------------- Medical\Health Insurance Medical\Records\Hospital\Motorcycle Accident 09 --------------- Sentimental\Cards Sentimental\Letters So, what do YOU think? What category should parking and traffic tickets go under. Is it a legal document? or financial? If only I can somehow use tags like Gmail...

1) Once the useful life of a depreciable asset has been estimated and the amount to be depreciated each year has been determined, the amounts can not be changed. 1. False 2. True 2) When exchanging equipment, if the trade-in allowance is greater than the book value a loss results. 1. False 2. True 3) Allowance for Doubtful Accounts is listed on the balance sheet under the caption 1. current assets 2. fixed assets 3. owner's equity 4. investments 4) Dalton Company uses the estimate based on analysis of receivables to account for uncollectible accounts. The company has determined that the Irish Company account is uncollectible. To write-off this account, Dalton should debit 1. Allowance for Doubtful Accounts and credit Accounts Receivable 2. Accounts receivable and credit Allowance for Doubtful Accounts 3. Uncollectible Accounts Expense and credit Accounts Receivable 4. Uncollectible Accounts Expense and credit Allowance for Doubtful Accounts 5) Allowance for Doubtful Accounts has a debit balance of $500 at the end of the year (before adjustment), and uncollectible accounts expense is estimated at 4% of net sales. If net sales are $600,000, the amount of the adjusting entry to record the provision for doubtful accounts is 1. $23,500 2. $24,500 3. none of the above 4. $24,000 6) A detective internal control is designed to find an error or misstatement after it has occurred. 1. True 2. False 7) The following lots of a particular commodity were available for sale during the year: Beginning inventory 5 units at $61 First purchase 15 units at $63 Second purchase 10 units at $74 Third purchase 10 units at $77 The firm uses the periodic system and there are 20 units of the commodity on hand at the end of the year. What is the amount of the inventory at the end of the year according to the average cost method? 1. $1,510 2. $1,220 3. $1,375 4. $1,380 8) One of the two internal control procedures over inventory is to properly report inventory on the financial statements. 1. True 2. False 9) Companies having inventory decreases due to lower of cost or market valuations will disclose the information to stockholders. 1. True 2. False 10) Merchandise with an invoice price of $5,000 is purchased on September 2 subject to terms of 2/10, n/30, FOB destination. Freight costs paid by the seller totaled $200. What is the cost of the merchandise if paid on September 12, assuming the discount is taken? 1. $5,096 2. $4,900 3. $5,200 4. $4,704 11) Sales to customers who use bank credit cards, such as MasterCard and Visa, are generally treated as 1. sales returns 2. sales when the credit card company remits the cash 3. cash sales 4. sales on account

I have a credit card I've never used with 1st Financial Bank. I have the $250 limit plan and had intended to use it to build credit, but never have. They recently changed the plan so that I have a $25 annual fee as of September, and I received it too late to not accept this change (I don't live at my mailing address). I called to cancel the card so I could go with a company that doesn't charge annual fees, and I THINK the guy said he would waive the fee to keep a satisfied customer and that was that. What do you do when you can't understand customer service reps? Should I just try calling back another time to try again? I could have just agreed to pay a $1 million annual fee for all I know!Okay, I'll try that. And yes, I know not using the card does not help credit. I had planned to use it for gas once a month or something, but never did so it defeated the purpose of having it in the first place.

My boyfriend and I applied for a general visit visa last week to visit my brother and his family, who are UK citizens and have been living there for almost 9 years. My boyfriend and I are both colombian citizens, living in Colombia. We have valid 10-year US visas, which have never been denied and we have had them and renewed them constantly throughout our lives. We are both 30 years old. I work at an American school and my boyfriend is self-employed. I have been granted this visa 6 times before, and my boyfriend once before (last year). This time we were notified that our visas were denied. The reason for the denial of my application was because I didn't provide enough financial evidence that I can pay for my trip. My boyfriend got the same reason, but his letter also stated they were not convinced that he would be returning home because of lack of evidence. Looking back I realize we should have provided even more supporting documents than we did, but the process had always been so easy and stress-free that we didn't think it was necessary. We bought our round trip tickets back in April, but didn't bring them to the appointment because on the we page it says you shouldn't buy your tickets unless you already have your visa. However, both our letters said there was no proof of purchased round trip tickets so clearly that was a mistake. Here in Colombia you have to go and turn in your papers and give biometric data but there is no formal interview. My letter said I had the right to appeal, my boyfriend did not. However, I decided not to appeal because I read on the website that it can take months. Our tickets are for July 6th, so we both decided to re-apply. I will bring new bank statements that show I now have the equivalent of about 5000 dollars because I get paid bonuses at the end of the school year, as well as my salary. I also have the pay slip confirming how I got this money and that it is mine. I will bring my work certificate again, as well as pay slips. I will also bring a certificate of stocks I have adding up to the equivalent of around 500 dollars, and the certificate of ownership of my car. My boyfriend will bring bank statements from different accounts than the ones he took the first time showing the activity of the two restaurants he co-owns. He will bring certificates showing he owns stocks adding up to the equivalent of about 25,000 dollars. He will also bring the certificate of ownership of his car, and the certificates of ownership of his business which he also took last time. He has a certificate of earnings that his accountant makes for him, which he also brought along last time. We will each take a copy of the e-mail that confirms our tickets, with an issuing date of April 10 and the receipt that they have been paid on my father's credit card. My father wrote a letter for each of us saying he paid for our tickets on his card (we have been paying him month by month since April). We are confident that we have enough evidence, and especially that our intentions are sincere. I'm dying to see my nephews (who are 5 and 1) who I can only see twice a year. My brother and my boyfriend have tickets to go to the Formula 1 Grand Prix in Silverstone. The tickets have already been purchased. We have absolutely no intention of staying in the UK or of using public funds for our trip. We have never overstayed our visa to the UK or to any other country we have ever visited. We have never been denied any visa to any country before. This is a very stressful situation and I realize we shouldn't have been so confident, but it is hard when people to doubt your intentions when you're making such a big effort to travel and see your loved ones. Does anyone have any advice or words of wisdom? has anybody been in this or a similar situation and had a successful outcome? Should we bring any other documents (credit card statements for example)? Do you think the recent denial will hurt our chances? We have gone over and over the reasons stated in the letter and feel we are providing everything to convince them we have enough money to pay for the trip and that we have enough reasons and intention to return. We are taking absolutely everything we would take to the renewal of our US visa, which is for everyone the hardest visa to get because they analyze everything so closely. I appreciate any advice or suggestions. Thank you!

Hello Yahoo! Answers Forum, I've been looking for some interesting thoughts regarding my unique situation so I'm very happy to have stumbled upon these forums. This seems like a great place to get some insight. I am a 22-year old senior in college (Class of 2011). On January 14th of this year, I won the Harrah's Bad Beat Poker Jackpot in Atlantic City, NJ. My share of the pot was $180,622.00. They did not withhold any taxes, so I tipped the dealer $2,000 and requested the rest of the amount in a check. I then drove straight to the bank and deposited $100,000 in a low-interest bearing 6-month CD until I could figure things out, while keeping $50,000 in a Savings account and adding $27k to my checking account to deal with current student loan debt. Here are some specs on the status quo, as well as what I've done so far: -Using the free online version of TurboTax, I acquired tax estimates (No deductions included yet!) of approximately ~$42k (federal) and ~$9k (state). -I gave Mom and Dad about $12k. They're the only ones who know about this, aside from the friends I went with. I told them to keep it a secret, and spent 350 dollars on a night out for the friends I was with. They've been loyal enough not to spread the information. -I paid off $32,000 in consolidated private student loans accruing interest at rates of 6.8% and 7.62%. I still have $3,000 in Federal Perkins loans that won't start accruing interest until 6 months after graduation in May 2011, and ~$20,000 in Federal Direct loans accruing interest at a rate of 6.8%. Payments on both loans are not due until 6 months after graduation. I have one more year of school that will cost another $20k that I will pay for in cash. -I have no other debt, bills, or payments. I got my license at age 17 but have never had a car (grew up broke =( ironically). My cell phone is on my Dad's family plan, and I'm cheap as heck (cheap MP3 player, cheap cell phone, refurbished used Dell laptop, haven't bought new clothes in years). I've never had a credit card before. So, to sum things up, I now have $133k and change left. Taxes will probably be around $45-50k after I've hired a tax/financial adviser, which I've set aside $1,000 to pay for. I won't have to file taxes until April of 2011, so I have 10 months to figure out how to lower taxes. I still have ~$23,000 in student loan debt, $20k of which is accruing interest at 6.8%, but none of which I need to make payments on until November of next year. One more year of school will cost another $20k. At the end of the day, I should have around $40,000 in expendable cash and no debt by the time I graduate. What would you personally do from here, if you were put into my shoes? Would you pay off the rest of the student loans ASAP or wait? How much would you put into an emergency fund? In your checking? How much would you invest and how? How much would you spend on a car? Retirement? etc... Yes, I realize it was irresponsible of me for taking out so much in student loans that I couldn't afford, and that it is unbelievably, ridiculously miraculous that someone other than a bank could receive a bailout like this. I've heard great things about this forum so I'm looking forward to your responses! Thank you in advance.

I am 36 years old, a PhD student and the mother of two beautiful eight-month-old twin boys, and I"m in a major quandary. I'm considering an open adoption as one possible solution to a very difficult situation. I can list the difficulties in order: 1. Lack of family support and lack of money, except for a small savings account that is all that remains from an inheritance (10K). 2. An Italian boyfriend who has helped me co-parent, yet who has a substance abuse problem that has destroyed the last twelve years of his life. He is not an everyday user, but relapses whenever he has money; the rest of the time, he is on suboxone. He has no money and no job, and I am supporting him. He is also in the States illegally, having overstayed his visa. We fight all the time, mainly about the question of marriage; he insists that if I were to marry him so that he could legalize his status, half of our problems (including his addiction) would be solved. But given that every time he has earned money (for small jobs here and there) he has relapsed, blowing thousands of dollars and contributing nothing to rent or bills when I was pregnant, I cannot take such a leap of faith (I would have to sign an affadavit of support assuming full financial responsibility for him; we would have to have a joint bank account...). I tried to reason with him-- earn my trust first, stay clean for a year and then we'll marry-- to no avail. He insists that he could get deported before then, or that I could change my mind... He has not behaved in every respect like the stereotypical loser one associates with heroin addicts: he helps a great deal with child care and watches the babies while I work, saving me thousands of dollars. Yet he complains all the time (about having to be home all day, about my not giving him an allowance, not marrying him, not buying enough food, etc.) and is, in general, a sullen, belligerent presence who can be verbally abusive. I'm so ready to be done with what is essentially a dead-end relationship, and the only reason why I keep him in my life at this point is that I need his help with childcare. However, all the fighting and his negative attitude has sucked the life out of me..... 3. The only family member who has been involved in my life is my mother, and we have a terrible relationship. She is emotionally immature, extremely needy and an alcoholic. There is the option of living with her in a section 8 apartment which she just qualified for, but I'm afraid I'll want to shoot myself or her after a few days. (I should add that I did not grow up with her; I grew up with my father's parents, who are dead, as is my dad). 4. I have managed to support all four of us on a combination of graduate student loans and my scanty income as an adjunct, but I know that can't/won't last. Recently I discovered that the chance of getting a full-time salaried position as a professor with my humanities degree is the equivalent of winning the lottery. I am now planning on getting certified to teach in a public school, but still, even with a "real" modest middle class income (all that my education and teaching experience qualifies me for) I will not be able to afford being a single mother (therefore kicking my partner out of my life is not an option): rent, childcare, student loan & credit card payments.... I would need a "big break" to be able to afford all that. 5. I should be honest about my own limitations as a caregiver. I lack many skills that one would need as a mom and especially as a single mom: I'm disorganized, hate housework (always have my laundry done), never cook, live on cappuccinos and cigarettes (i do keep second hand smoke away from babies), have a hard time with budgeting. I like to keep late hours and I'm terrible with assembling anything. I'm chronically late to everything and can easily forget appointments. I lack the arm strength to even lift the double stroller and I couldn't get babies out of the apartment (inconveniently a fifth-floor walkup) without their dad's help. In short, I'm not a domestic woman and I'm totally lacking when it comes to time management and mechanical skills. My options then seem very limited: 1. Move into the sec 8 apt with my mom, hire a babysitter.... (but she drinks every night and gets provocative) 2. Do an open adoption with a loving, stable couple. 3. Try, somehow, to make it work on my own. Insist that my partner go into a rehab (at least for the summer) and make a real attempt to embrace recovery. Live off savings, go on temporary assistance, apply for more jobs... I've had a positive experience with open adoption over the years. My now ten year old son is being raised by a loving, ethical couple who can give him advantages I never had as a kid. We've always maintained a respectful relationship and he is still a part of my life: I see him twice a year and speak to I had these children ten years after the birth of my first child; did an open adoption because of lack of resources. I said I wanted an emotionally honest, thoughtful response. My post got cut off, but I added that if I had money to be a single mom and a nanny I wouldn't even consider adoption. Why are women so judgmental of other women? So what if I suck at domestic tasks? If I were a man would I be getting the same type of bashing?Read the entire post before responding. He is not an everyday user, he only relapses when he has money. I would not leave my kids with him if he were actively using. And I can't get child support from him... he's illegal!This is about money, not my parenting skills. I am a loving mom who has provided a roof over their heads and has changed/fed them around the clock. I leave a lot to be desired when it comes to management/organizational/mechanical skills, which is why I question my ability as a SINGLE mom....Craig B, how old are you, thirteen? Educate yourself before responding to others' questions. Adoption is a loving, selfless option, not to be confused with an act of abandonment. So is single parenting. There are many ways of being a mom, and none are selfish. Seems like many of the commenters are projecting their own immaturity onto me, and their ignorance of open adoption is insulting to birth and adoptive families.Placeboni, let me quote your thoughtful response: Simple really.. or of course the easiest thing to do on your part.. give your kids to someone else, just please if you do that, make damn sure you don't have any more children, you already have 3 that apparently you don't care enough about to make an effort for so don't bring any more into the world." Why do you assume that a woman who does an open adoption plan for her son doesn't care about him? Would it be more uncaring to raise him without the necessary resources and without the skills I would have needed as a single mom? Have you any idea how emotionally hard-- traumatic-- it is to give up a child, even if the adoption is "open" (I could never have done a closed adoption)? You are really an ignoramus, and your posts are insulting not only to me, but to all other women who have made the same choice. YOU are the one who needs to grow up.In response to last post, I also think being a mother because you are afraid to grow old alone when the life you have to offer your kids leaves a lot to be desired can be seen as selfish choice. But I didn't ask if the choice-- to adopt or keep babies--- is selfish or selfless. I don't care about moral judgments, I want more practical, concrete advice. I should clarify that I am not a drug user.

I have been hearing a lot about something from JP Morgan Chase (JPM) about Project West. Do you know what Project West was and how these people were involved? PROJECT WEST TEAM LEADERS Name Title 1 Althea L Duersten Managing Director - Chief Investment Office 2 Barry L Zubrow Chief Risk Officer - Credit Dept 3 Benjamin Lopata Managing director - Tax Dept 4 Brian A Bessey Corp -M&A Dept 5 Charlie Scharf EVP/CEO - CEO Chase Retail Financial Services 6 David B Lowman CEO - Home Lending Dept 7 Douglas Braunstein Head of Americas IBC and M&A 8 Fernando Rivas Managing Director IB-FIG 9 Frank J Bisignano Chief Administrative Officer 10 Gordon Smith CEO- Card Service Dept 11 Gregg B Gunselman Executive Director - IB-FIG 12 Jay Mandelbaum EVPI Strategy & Development Exec - Admin Dept 13 John F Bradley HR Director 14 John R Chrin Managing Director (IB-FIG) 15 Kevin Watters SVPlBusiness Banking Executive 16 Louis Rauchenberger MD & Corporate Controller - Accounting Dept 17 Martha Gallo General Auditor- Accounting Dept 18 Mike Cavanagh EVP/CFO 19 Neila Radin Legal Compliance 20 Raymond Fischer CFO-LOB 21 Sally E Durdan EVP/Corporate Finance Executive - Retail Admin Dept 22 Scott E Powell Branch Banking 23 Stephen M Cutler General Counsel 24 Thomas D. Novack Managing Director IB-FIG ADDITIONAL RELEVANT PEOPLE 25 Adam Gilbert Managing Director 26 Brian Keegan Managing Director - CSAS 27 Dan Cooney SVP I General Counsel 28 Genevieve E Hovde Analyst IB-FIG 29 Jamie Dimon JPMCCEO 30 Joseph Evangelisti Corporate Communications and media Relations 31 Scott Albinson JPMCbanker 32 Sean Carmody Associate IB-FI G 33 Tim Main Head of NA FIG

A few month's go, my boyfriend of (only a few month... bad I know) decided to get an apartment together. I had completely let him "in" and felt that we really had something that could last forever. Before we made our decision, I asked him to sit down with me and talk about finances. I asked that we both put everything out on the table. I was not willing to move out of my GREAT apartment and change directions (plans I had been working on financially) without feeling comfortable that he was on the same page basically and that i had a good understanding of his situation as well. I'm 43, and just started IRA, a Cash Management account to save for a house, paid off my car, and put myself in a spot of almost level ground financially, and working to fix my poor credit from my past marriage and the 2 year after that hurt my credit so badly. I've been separated and divorced for just over 3 years. I have a good job, not great pay, but steady and solid pay. And I've gone back to school to hopefully better myself and my future. Basically, I just wanted to know what he had on his plate financially while I also shared what was still on my plate that needed attention. - well, he said he had a couple bills but that those were being taken care of and he was working on his credit also. He said that he wanted to also save to buy a house and that he'd like to see us buy one together. We talked about in 1 1/2 to 2 years to purchase. Well, 2 weeks ago, his wages were garnished and he didn't know why. And in thinking about it, (aloud with me) he revealed that there were a few things, big things that are on his plate that won't allow him to be on a home loan or any major purchase loan in the foreseeable future. (as my financial adviser said to me). He apparently was the primary lean holder in a car that he had told me he co-signed with his wife, which he also said SHE surrendered it, but in truth he had. He had no plans to work on this with the bank. BUT he also said that it was not this that caused the garnishment, he claims that it is a "low end credit card" past due account for $1,000.00. Well, I'm not all financially savvy but I had my doubts, so again I talked to a friend who is also my financial adviser, and he said no way, it would not be that. In the mean time, I asked him why he hadn't made some form of arrangement, he said he wasn't in a position to before so he just waited to see what they would do, and he said the same thing for the car. sooo.... why am I asking if I should go back, because I love him. I have not loved in a long time and so much about us I love.

There are 4 columns Current Assets (which has below it Cash at bank, Accounts Receivable, Inventory) $000's ( has these figures below it 60, 160, 710) Current Liabilities (Bank Overdraft, Credit Cards, Accounts Payable) $000's ( 60, 110, 760 ) All of the figures line up in a table like format if anyone gets this. I need to answer the below questions - If you can help I'd really appreciate it. Thankyou 4. What is the current ratio for this company? A. 2.3: 1 B. 2: 1 C. 1: 2 D. 1: 1 5. This company wants to improve their performance and match the current industry ratio which stands at 2.5: 1. Which of the following strategies would achieve such an outcome? A. Increase assets by $1 395 000 B. Increase short term debt by $1 395 000 C. Decrease current liabilities by $500 000 D. Double current assets and half the current liabilities 6. What strategy could a business use to effectively manage receivables? A. Increasing its overdraft B. Taking out a short-term loan C. Offering discounts for early payment D. Increasing the price of the product 7. Which of the following best represents the financial planning cycle? A. Retain profits, attain equity finance, minimise risks, plan the marketing strategy B. Address the present financial position, source funds, analyse reports, establish a cost centre C. Conduct a situational analysis, lead structural change, maintain record systems, develop cash flows D. Address the present financial position, prepare budgets, analyse financial reports, plan financial controls 8. Which of the following would normally be considered as features of a classical-scientific approach to management? A. Flat organisational structure and autocratic leadership style B. Hierarchical organisational structure and autocratic leadership style C. Hierarchical division of labour and democratic leadership style D. Hierarchical division of labour and participative leadership style

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Empire Energy Corporation International announced on Wednesday, September 1st 2010 that Empire has signed a letter of intent with the view of completing binding documentation for the reacquisition of the former, wholly-owned Empire subsidiary Grand Monarch Holdings Incorporated .

Under Dennis Mathisen, the Marshall organization became a lending giant, selling off loans to small banks around the country. Its fall was felt far and wide.

Shanghai Pudong Bank 1st Half Net Up 34%, Eyes $4.4 Billion Bond Sale

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Thank you very much for coming along this afternoon. The first day of spring, and a fantastic day in Rotorua. As the Co-leader of the Green Party I would like to acknowledge and thank you for your efforts to make New Zealand a fantastic place to live.

Submitted by Jim Quinn of The Burning Platform The Great Deleveraging Lie You can’t open a newspaper or watch a business news network without seeing or hearing that consumers and businesses have been de-leveraging. The storyline as portrayed by the mainstream media is that consumers and corporations have seen the light and are paying off debts and living within their means. Austerity has broken ...

Summary Box: China Construction Bank 1st-half profit up 27 percent on bigger fee business Business - China Construction Bank - Banking Services - Financial Services - Banks and Institutions

Internet plc Annual Report 2010 Company Number 06172239 Contents --------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Introduction & Highlights 2 Chairman's Statement 3 Operational & Financial Review 4 Board of Directors and Senior Managers

CCB 1st-Half Net Profit Up 27% Amid Slower Loan Growth