Financial talk

My details: birth date: 02-january-1990 birth time: 08:20am birth place: Khartoum,Sudan thank you..please try to give some additionl information if you wish...like what YOGAS i have.... regards,

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Women may be great drivers behind the wheel, but they are the worst back seat drivers. The car is hardly moving, when they feel an overriding compulsion to shout, “turn left, that way is faster” or “take the right, you can avoid the traffic jam ahead”. This probably sounds good to those who utter the words - but definitely annoying to those who are actually driving.

Some say men are bad back seat drivers - but the truth is women are just the same, if not worse. Have you ever found yourself in a situation where the woman just can’t shut up or keep their hands to themselves? Some women love to change the radio station. Others love to change the settings for the air conditioning. A few others might even continue telling which way is best, which route has less traffic which route has more traffic, which road will lead you to the destination faster, which doesn’t - and never forget the classic “you should have listened to me” rule.

Now, being men, I am sure these women tick you off. With such bad back seat drivers, you are more prone to car accidents. Therefore, there is a likelihood of an increase in womens car insurance. Of course, not every woman realises the importance of having insurance to protect her whenever they are driving (or when they are the back seat drivers). However, nowadays the demand for women’s car insurance is definitely rising at an alarming rate.

There are many reasons why having bad back seat drivers can cause car accidents. For example, when the woman begins to tell the driver about the many ways to reach the destination without getting stuck in a traffic jam, the driver can lose confidence and worse, lose control of the car. Besides, when the woman frequently changes the radio station or even talks loudly in the car with the driver or on a cellphone, this can negatively affect the driver’s concentration - and they could all end up in a small accident, and in some unfortunate cases, a serious one.

Although women might not intentionally cause trouble to drivers, they do have the intention of giving the driver a hard time while driving, as they are not able to drive the car themselves. In order to feel better, the only way is to make the driver feel bad. This sounds ridiculous, but it is the truth and sadly, most women are like that (whether you realise it or not).

Perhaps the best way to prepare yourself is with women’s car insurance, so in case of any accidents, the ladies are well protected and you have nothing to be afraid of. While most men prefer to have ladies as companions in the car, I would say that having women in the car would just cause more of a distraction than having other men on board. Ladies, just get yourself women’s car insurance and keep quiet in the car.

Good luck and happy driving !

Before purchasing any kind of insurance, make sure you research the numerous companies to ensure you select one that provides a wide range of women

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When comparing insurance prices online, sometimes the cheapest car insurance is not always the best. You might not look past the dollar figure, and only see that you can be saving x-amount on your cover. But that’s not all there is to comparing quotes online – and you should make sure you look beyond the final price and see what you’re really getting. On the other hand, you can’t outright dismiss a quote that might be a little higher than any other car insurance policies. You might discover it’s actually a better deal than a cheaper quote, simply because of what’s included in the car insurance plan.

So, what to do? Do you shun comparison websites altogether? Or do you ignore common sense and pick the cheapest car insurance quote from the first website you find?

The answer lies somewhere in between. Sure, you can go to one extreme or the other, but as always, you need to follow a few simple rules.

Online comparison site research

The first is to research – research the comparison website you plan on using for your quote comparisons. How many insurance companies do they source their quotes from? What factors do they include in their quotes? And is the figure the final quote?

If they only source their quotes from a few unheard-of insurance companies, maybe you should look elsewhere. You need a wide range of companies, with a mixture of well-known names and maybe one or two newer offerings. Remember you can always follow up the online quote with a quote from the actual company – online or on the phone.

Compare insurance apples with apples

And their quotes should be for the same type of cover (which might prove difficult). You can’t compare Fire and Theft Insurance with Third Party. You need to be able to compare apples with apples.

What about added extras

Do they include courtesy cars? If so, in the event of what kind of incident? Theft only? Or damage from a car accident or other incidents? If the most expensive quote is from an insurance company that offers you a courtesy car no matter what has happened to your own car, then that might actually be a better choice than a cheaper quote with no courtesy car option.

Did you say you wanted hidden costs sir?

Finally, is the quote given for you to compare the final quote, or are there other factors to be taken into account? Keep an eye out for any hidden costs. For example, if the quote is set at a certain amount but then you need to work in an excess, and the fact that your age group incurs a higher premium, then it might not be as cheap as you first thought.

Cheap car insurance is easy to find, with some research and keeping in mind a few simple facts. Don’t get suckered into thinking cheap is best, or that websites which compare quotes are the be all and end all.

Good luck and happy shopping !

When you

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I am almost certain that I am pregnant and would be due on Aug. 8th. My husband wants me to 'take a pill' and terminate the pregnancy which I am against. He uses the argument that I will not be able to get a job and that if I do, I won't be able to spend much time with our newborn. We're having big issues but I really don't want to abort (even if I only just missed my period). I am a Mexican born Jewish woman who is multilingual and have very good people in the district who would be willing to vouch for me. I also will be graduating from a highly reputable university and be a valueable candidate/teacher. The problem is that I will be BIG while I am interviewing with schools and will be just fresh out of college. What are your recommendations? Do you think I will be offered a job? And if so, do you think I could handle both tasks? My grandmother might be able to care for my child while I work. If my husband continues to push for abortion, what should I do? I'm considering just leaving and having this child for myself without asking for his support, emotional or financial. Thanks everyone.

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About us Nepal Integrated Blind development association (NIBDA) is anon profit making social organization. NIBDA has been working as one of the leading social organization in the field of disability specially since 1997.NIBDA has 9 vision impaired persons (5male and 4 female) in executive board and general members are 2500 in 54 districts. It has a very committed and experiences persons who has been contributing to make organization alive. We are able to gain a faith from the individuals, business companies and government agencies as well. This was really tuff job to bring organisation in this position without any donation and financial support of donors. Besides, we got 1.5 hecter land (present value $ 969,230/-) donated by the local government as a reward of our sincerity and honesty. The former Minister of Social welfare and Minister of foreign affair is member in our advisory board. NIBDA aims to fulfil the basic needs of visually impaired persons. "Basic needs are basic rights" Such persons will participate in different developmental activities so that their rights will be ensured. We basically focus on rehabilitation program that is, we provide vocational trainings to the blind people and help them to rehabilitate in their own society. We have a running Vocational Training Centre (VTC) under the organization since last13 years. Beside we are also conducts different awareness programs in the different society through out the country to ensure their fundamental rights, including right to live as well Currently, we are striving to develop our vocational training centre (TTC) as a national technical school. We are requesting the government and other concern bodies to certify us as per the current rules and regulations. Vocational and technical skill can be the best option for their income generating activities and to uplift their living standard. Programme Insights Different INGOs are interested to support to improve living condition for the persons with disability in Nepal but they are not disaggregated .A few disability welfare organisations launching the programme in urban areas. Improvement of living condition of persons with disability is a responsibility of government. In this connection, NGOs should be screened whether they are focussing disables in rural areas or not, whether they are fully political party oriented or not. Conflict victims, blind women and children, and a poor blind person are more vulnerable groups in the society. So we have to be aware in designing programme and formulating policies to address their felt needs in an integrated manner. "Right to sight" is a right perspective vision. Welfare to rights, micro-macro-micro linkages is to be considered while implementing programme. We should have clear M&E system and follow up accordingly. In this way, support could be worthwhile for the improvement of person with disability. Blindness is simply an inconvenience that can be overcome and we shall overcome with your help……. Blind's eyes may not good but brains, hands and feet are more active than normal people. How much dollars spent for the improvement of living condition of people but what exactly, blind people benefited is a crucial question that we have to ask ourselves. Programme activities, skill enhancement, training materials, study materials and facilities for the blinds should not be generalised. NIBDA current programme activities NIBDA has been implementing different programme activities for the blind. Such programme is different than programme of ables. Both right based and service oriented programme is combined here. Preventable blindness programme, public awareness raising, assistive technology, vocational training, income generating activities, scholarship support, building networks among blinds, leadership development of members, and organisational capacity building are some of the major programme for the visually impaired persons. NIBDA is also one of the active members of CBR (Community Based Rehabilitation) network. CBR is a network of disable organisations. More than4500 visually impaired persons are benefited from NIBDA directly. It has made significant change in their lives. We have many opportunities and challenges that we have to grab opportunities and face challenges carefully. The perceptions of normal people looking towards the blind are being positive which has created working environment. Such progressive qualitative and quantitative change will be documented and shared with stakeholders and funding partners as well. Future Programme The following are some of the new programmes planned for coming days and current programme activities are to be continued together with new activities. •Exchange sharing programme with abroad visionary impaired persons •Establish low vision clinic •Lobbying government line agencies •Leadership capacity building •Establish National Technical School and Rehabilitation Centr

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Which are the two major fields of accounting? [a] industrial and consumer [b] primary and secondary [c] financial and managerial [d] public and private Money frees society from a system of barter. In doing so, money is performing which of the following functions? [a] medium of exchange [b] determination factor [c] store of value [d] unit of account “Did you know that you can’t use the financial institution unless you work for the phone company?” Such a question would normally refer to _____. [a] a mutual savings bank [b] a commercial bank [c] a credit union [d] a saving and loan association

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So In about 7 months, I will be moving out. I want to save up for a deposit and at least the first two months of rent. I am moving 6 hours away from home, so want to have 2 months rent, so I can be secure meanwhile I find a decent job and get the hang of college. Well the car comes into relation to all this, because I want to get a car before I move away from home. Not that public transportation isn't nice but with the shiftiness of having to work and college, I think it might be better to get a car. The only problem is that, it is hard to save up for moving out and getting a car. I just need some pointers on dealerships and how they work. I know some of the basics, but Won't it be hard considering I have no credit? I know I can get a co-signer but my mother doesn't have great credit, and I was wondering if there is anyway to go about it, without getting stuck with extremely high monthly payments. Since I will also be having to pay my rent, and I don't think a part time job and financial aid will be enough to cover rent and a high monthly payment. So if someone could help me, I know the more money you put down, the cheaper the monthly payments. How much would be a good amount to save up, for a down payment? 1000-2000? I'm not looking for an expensive car or anything, I'm a pretty practical and realistic person, I know I'm not going to end up with some Porsche or anything. So some advice on how it all works, and on dealing with all this moving out bussiness. Thank you.

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I'm graduating next year and debating to go UCSD or UCI but either one I'd like to know if there is financial aid available to help with tuition and books and etc. Thanks! <3

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Apple have division’s operation, location, market(s), and line(s) of business, and how they relate to the parent company’s operations. Compare the financial growth of Apples parent company’s domestic operations with the growth of its overseas operations for the past 3 years.

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From my understanding, to do the fafsa, I must use the 2007 income tax report and chose which universities I want to attend. What if one of my parents lost their jobs and the other makes less income right now due to fewer work hours and that info didn't show in the 2007 report? Is the financial aid amount in the SAR be final even though my dad's income is lower today than in 2007? How does that work? What should I do? thanks a bunch! I'm going to be a first time college student soon :)

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Much of the commodities market has been converted to the virtual world, which means that now, even the casual consumer can turn his hours into gold by logging on and investing. Mothers, daughters, sons and fathers - everyone has become the part time or even full time investor and it is time that you get on the bandwagon and start to invest online. The best? Well in many people’s opinion, especially in these troubled times, we have to turn to that which stills make our world go round, which is the Forex market - trading in currencies from all over the world. Market reports have outlined that the investment volumes that have followed the Forex market has doubled of late, with more cash injections being introduced and more brokerage accounts open.

The daily turnover rate has shot past the $4 trillion dollar a day mark and we are still counting. It sounds attractive because it is and before you make the jump to trading online, you should at least know the nature of the Forex market and the commodity that you are trading in. Trading in money means that you are trading in an environment that is quite predictable. Analysts have place it down to the herd or hive mentality when individuals get together. When one person reacts to a situation, it may be different from time to time, but when you group them together to form into a mob, then you get general patterns of prediction. This is what drives the Forex market and this is what makes it a very popular way to make some money. In these terms, investors always look to predict the market one or two steps in front and to do so you need to understand the market psychology which is driven by mob rationale. As countries and entire continents react to a disaster or economic recession, their responses fall into compartments of reactions that investors use to say which currency will fall and which currency will rise.

That’s is how money is made in Forex on a daily basis and you can be a part of this too. Also, the Forex market is also entirely liquid, which means it does not suffer from time delays like other commodities market, which means decisions you make get relayed to the broker and relayed to the market in real time. Opportunities can be pounced on and fatal oncoming bad traffic can be avoided with quick reaction time to your phones. Its all down to studying the price charts and sticking your guns to certain currency pairs. Trading online was turned from casual trading to a very serious ballgame that many people are taking part in.

You can be a part of this too and all you need is an internet account. Look up for some online brokerage companies and open an account. Within moments you will be set up with a systems software and a direct link to the Forex market. Make the right decisions and you could be rolling in the money.

Steven Jacobs is the owner and creator of many successful financial websites including Trade-Currency.org . Click Here! to see his Highly Recommended Forex Trading System!

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like, im 17 and no boys ever approach me. I have seen them approach so many others, but no one seems to like me. I admit that it's been a long time since I have been happy with my life. I have some selft esteem issues and I worry about my family and the financial crisis all the time. So my question is, do you think that maybe boys don't notice or like me because Im not happy? Can they like sense the sadness and worry and stay far away, or am i just really that wierd or ugly? Basically, in a nutshell, do you agree that: "you have to love yourself before others can love you" -is that my problem? am i destined to this untill i am finally happy? ok sorry, i just needed to let that out. any answers i greatly appreciate! lol

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I'm really stressed. I'm really trying hard in school, but I'm not doing so well. I'm a junior majoring in Accounting with a 2.15GPA ( I'm not going to get a job in public accounting) This semester, I'm not going to get good grades, I feel it; I got a 51 accounting midterm and my other classes are so-so. I really tried tho, I swear!!!! Im not working b/c I wanted to focus on my school work, but now---I'm having financial problems: took out a student loan---and I hate that, ugh I accept myself. I know that I'm not the hottest male on earth, but I feel that I'm not the ugliest. It seems that no one wants me, I've been single since I was 17 and I'm now 21--I just want to feel wanted and love by another ( I love myself) It seems that my best friend is mad at me b/c I called her bf ugly; I think he's a douche and he doesn't treat her right and she revolves her life around him, which is so not school. I just want to find some new friends to show her that I dont need her, but thats really hard too Im soo stress, I guess I came on here to vent---and ask for some advice I recently turned 21, so Im getting use to this bar thing I'm gay btw Thanks Tara J, I am a loser--youre rigth

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My career is in financial services. How and where can I get experience or certification in SAP for finance?

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In this day and age we need to be looking for other sources of making money. One source is simply not enough and usually not secure enough. The recent market patterns have just reinforced another lesson for everyone living in this capitalist world - the market is extremely volatile and can reach as high as the mountains one day and crash, plummeting to the ground another. Employability is just a word nowadays and even working in the most secure of financial foundations does not carry with it the same sort of confidence it did earlier. Its time to think about other areas of investing and today, I shall discuss how online commodity trading is the best solution for you in these bearish times.

The one reason that I would have you place your investment dollars in Forex is simply because of the level of liquidity the Forex market has to offer, it cannot be compared to the red tape laden and sometimes lagging traditional commodities market. While I it may not be my intention to lambast the stocks & bonds of even equities market, I akin Forex to something of a market wonder, available within a day to foreclose investments and pull out within minutes. Day traders all over the world take the short view and prefer let their investment grow in tiny momentums. They take the safe bet, extract returns from just a few pips and let the market projections reset itself the next day. but whether you are taking a short term stance or a long term position on the online commodities trading market, you place yourself within a market that is highly predictable in a certain sense. Traders who have been doing this for a long time know that the market follows a loose pattern within general events. How the market responds to crisis remains the same, the patterns can be read and the currencies can almost be predicted to a general forecast.

This is why some people have actually made money during this economic crisis, because simply Forex is unique in a certain sense that money can be made on both sides of the market, whether it is an incline on one region or a decline in the other. A ripple economic effect from the credit crunch meant that for a short while the American dollar was down, and before the recession could affect true global markets, certain commodities would strengthen due to less dependence on aspects like property and banking. The countries with higher productivity and dependence on natural resources would have inclined sharply, increasing in percentage points at the beginning.

The Australian dollar would also have an initial spike due to its affiliations directly with the crown and the fact that mining had a large effect on an increased output and investment from other countries. As time went by, then Asian markets will tumble with decreased demand and sure enough the Australian dollar fell drastically as consumer dollars went down in Asia and trade decreased. See the patterns? It can be predicted. Just ask any trader that has been around the block. This is how online commodity trading in Forex can lead you to pure profits.

Steven Jacobs is the owner and creator of many successful financial websites including Trade-Currency.org . Click Here! to see his Highly Recommended Forex Trading System!

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What are the basic of online Forex trading? Because of its ease and accessibility for anyone to just jump in and start trading, I would say that one of the first things anyone should know is that the world of online Forex trading can be deceivingly simple - so simple in fact, that the real difficulties of the situation, when they do show up will leave you in a disillusionment as well as spurring the notion for you to give up.

This article points certain basics that you should know about before you start your online Forex trading journey - tenets you should keep in mind the entire time you make any investment decisions or see a threshold in the market you want to explore. One of the points that you should note that online Forex trading requires the same amount of attention as the physical alternative - and there is an added catch of Forex software systems and platforms which you have to tackle if you want to succeed in the investment game.

Forex is a true 24 hour investment market, with different day trade times which means there will be a currency in the world for you to invest in at all times. You can take the short term option of day trading or the long view of sitting on your decisions with the eventual hope that market patterns will bend to your predictions and you can cash out in an instant. The market is also extremely liquid, which is a good thing, meaning that you can pull out your cash and investments within moments and save yourself from losing money as the market goes on a downward spiral. This is why you have to be careful of online companies that add a a lot of red tape that makes even the most basic of operations; like filling out orders and completing transactions slower then they should be.

The entire reason of digitizing the system is so that speed is no longer a factor. Brokerage companies that make things slower then they should be should be avoided - it normally takes a mere few seconds to fill out orders and complete transactions and it takes less than a few minutes to pull out of the market when you see the warning signs on the horizon.

Most of the time, online brokerages also offer the end user Forex systems software that help you initiate contact with the market and plays a crucial role with your investment options. From live price feeds, market watching, calculating forecasts and even warning you if your decision goes against market psychology, a good piece of system software can mean the difference between success and failure.

Do your research before you plunge in and there a number of high quality Forex books you should consult before doing anything. Education is the cornerstone of success and if you shy away from paying a minute amount for information that could make you a millionaire - then that is the most basic, and fundamental mistake of beginners I can think of.

Steven Jacobs is the owner and creator of many successful financial websites including Trade-Currency.org . Click Here! to see his Highly Recommended Forex Trading System!

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Ok so here is the situation... I'm pregnant and engaged to this guy. He has a job, but he only makes somewhere between $300-$400 every 2 weeks. Well, I don't have a job, because I've been too sick to work lately. We want to get married before April when our baby gets here. I'm also going to college and I get a grant that is $1000 every 3 months and I wont get it until March. We have to make sure we have enough money to take care of our baby, get married, get a place to live, and pay our bills. Do you have any advice on how we could possibly do this in enough time. Is there a way or do you think we will have to wait until after our baby is born? I'm serious I have asked for advice and haven't got any so far so this is like a last resort place to ask. Thanks in advance!

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the reason for the rejection r: 1) i come from a country with a great potential for immigration, due to its social and economic situation 2) the applicant is unmarried and has no children. 3)is not said to be engaged in regular employment or said to have property or financial commitments.thank u and hoping for an answer.

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I'm also trying to apply for student financial aid as soon as possible. The earliest they accept applications is Jan1 and deadline is march 15. When is the earliest to file income tax for 2008? I'm asking because in 2007, my family made about 1.8k over the bracket for full tuition qualifications(30k) and in 2008, my family's income is lower, which qualifies me for full tuition at my prospective university. How long would it take to file the new one and get that packet of tax return information? Would I be able to use the 2008 income tax information rather than the 2007 for filling my fafsa? Thanks a bunch!

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my best friend is a single mother who has been put in a very bad place. her cousin adn her got an apartment and agreed to pay half of everything, but her cousin felt overwhelmed and just moved out on her now she is stuff paying all the rent on her own she has a 6 month old baby and she works as a hostess, im wanting to know if there is anywhere she can call that would help her with her rent. she is really depressed and i hate to she her like this please help!!!!!!

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