Financial talk

I would like to become an AU citizen but I have to become a permanent resident first. I'm on disability here in the states. I would go to school but I need a form of financial aid.

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I an a nurse. I did a 12 month course and due to this financial crisis about 40 of us were told to go on our annual leave and we might not have jobs when we come back, it came true. I have now been out of work uncluding my annual leave for nearly 3 months. It is only now they have opened up jobs in my area and i have 3 interviews this and next week. I have also now been offered a casual job. I recently met this girl and she is totally awesome. I have enough savings to last me around 4 months. I just feel like a loser like i know i could not do anything about loosing my job and i have interviews and i have a casual job but i dunno, would she care?

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For most Americans a farm is little more than a pretty picture on their wall and the source of the food on their table. They go through their days without thinking about how the recent dry spell or latest windstorm is going to affect their neighbor’s farms. America’s crop farmers don’t have that luxury. Their crops are their bread and butter, the foundation on which their ability to survive is built. That’s why these farmers need more than homeowners insurance.

They need reliable crop insurance as well.

When you’re shopping around for homeowners insurance quotes you’re going to hear insurance providers tell you not to include the cost of your land in your home’s total value. Why? Because the cost of the land is superfluous in most cases. Most homeowners really don’t care about their grass enough to bother insuring it, and most homeowners insurance companies wouldn’t bother to do it if they did.

The average lawn isn’t going to take damages as the result of a windstorm, hail or fire that’s going to make it unlivable, unlike the house. Homeowners insurance companies are in the business of insuring houses. Unfortunately, for the crop farmer having an uninsured crop could spell disaster.

Crop farming is an unreliable enterprise during the best of times. Plants are more fragile than most people who eat their bread and corn and don’t think about it realize. While love and care can coax a field to yield a strong crop, there are so many factors that could make it go wrong that many Americans would cringe at the thought of basing their future and their financial security on such an unstable enterprise. Since the very nature of farming doesn’t accommodate keeping a second full time job to pick up the slack if drought, hail, fire or other natural disasters destroy a season’s crop, it’s important that farmers have crop insurance to help themselves brace for the worst.

Since even the best home insurance policy probably isn’t going to extend to coverage for a hundred acres of crops, farmers have to look somewhere else. Fortunately, they’ve got options.

The Crop Insurance Research Bureau is an organization of national insurance providers that are willing and able to extend you high quality crop protection insurance coverage, and through their resources they’re able to find insurance for just about any insurable crop.

(Insurable crops include, but are in no way, shape or form limited to, apples, corn, blueberries, soybeans, tomatoes, potatoes and peaches. The list goes on and on; talk to your state insurance bureau to find out what crops are insurable in your area.)

The USDA’s Risk Management Agency also provides resources that go beyond homeowners insurance to provide coverage for most insurable crops (and information about those coverage services is available online). The USDA also offers an emergency relief program similar to FEMA for farmers whose crops are uninsurable to help them get back on their feet in case of disaster.

The bottom line is that as a farmer you’re going to need to go beyond homeowners insurance to protect your home, because your lawn and your crops are the bread and butter that are going to keep your family going. Contact your local crop insurance provider today.

Cliff Berman is CEO of QuoteScout.com, working to match consumers with the best rate on their homeowners insurance. For more information and homeowners insurance quotes, visit them on the web at http://www.QuoteScout.com.

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It's financial Services! I need 10 smart hard working people to help start a new business. I am a financial broker.Looking for both part time and full time employees.

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answer as many as you can please, true or false.. and thanks for all the help! 1. work sheets for service and merchandising businesses are very different. 2. a trial balance is prepared to prove that all journal entries have been posted to the correct general ledger accounts. 3. all accounts are listed on the work sheeet regardless of whether there is a balance or not. 4. the value of the insurance coverage used is recorded as a debit to insurance expense. 5. the amount of supplies not used during a fiscal period represents an expense. 6. there will be a net loss if the income statement debit column total is larger than the income statement credit column total. 7. a net income amount is extended to the balance sheet debit column. 8. in the preparation of financial statements, accounting principles are applied differently from on fiscal period to the next. 9. beginning merchandise inventory less purchases made during the fiscal period plus ending inventory equals cost of merchandise sold. 10. if a company has determined that the acceptable component percentage for cost of merchandise sold is not more than 51.1%, the current year's actual component percentage of 48.9% is unacceptable. 11. revenue less cost of merchandise sold equals net income. 12. when a business's expenses are less than the gross profit on sales, the difference is known as net loss. 13. data needed to prepare the liabilities section of a balance sheet are obtained from a work sheet's balance sheet debit column. 14. information needed for journalizing adjusting entries is taken from the income statement and balance sheet columns of a work sheet. 15. at the end of a fiscal period, the temporary accounts are closed to prepare the general ledger for the next fiscal period. 16. the entry to close income summary transfers the amount of net income or net loss to the partners capital account. 17. a prepaid insurance adjustment includes a debiting the expense accounts and crediting income summary. 18. expense accounts are closed by debiting the expense accounts and crediting income summary. 19. a purchase journal is used for cash purchases only. 20. trade discounts normally are recorded in the purchases discount account. 21. if the actual petty cash on hand is $53.00 but the records show that $55.00 should be on hand, the petty cash fund is said to be over. 22. the terms of sale 1/10, n/30 mean that the customer may deduct 1% of the invoice amount if payment is made within 30 days of the invoice date. 23. each amount in a sales journal's account receivable debit column is pasted to an accounts receivable ledger account. 24. regardless of when merchandise is sold, revenue should be recorded when cash is received. 25. a sales invoice is the source document for journalizing sales on account transaction. 26. when credit terms of 2/10, n/30 are offered, it means a cash discount of 2% is offered if the invoice is paid within 30 days. 27. the account allowance for uncollectible accounts is increased by a debit. 28. accounts receivable that cannot be collected are called uncollectible accounts. 29. using the percentage of total sales on account to estimate uncollectible accounts expense assumes that portion of every dale on account dollar will become uncollectible. 30. canceling the balance of a customer account because the customer does not pay is called writing off an account. 31. when a previously written-off account is collected, accounts receivable is debited and credited for the amount collected. 32. assets expected to be exchanged for cash or consumed within a year are known as plant assets. 33. plant assets decrease in value because of use and the passage of time 34. the original cost of a plant asset includes only the amount paid the vendor the plant asset. 35. estimated total depreciation expense is calculated as original cost less estimated salvage value. 36. loss on plant assets is revenue that results when a plant asset is sold for more than book value. 37. personal property includes buildings but not land. 38. a perpetual inventory system provides day-to-day information about the quality of merchandise on ahdn. 39. when a business frequently orders small quantities of an item, the price paid is often more per unit than when merchandise is ordered in large quantities. 40. the cost of merchandise inventory is reported on both the income statement and the balance sheet. 41. businesses that need an ending inventory amount for preparing monthly income statements should take a physical inventory to obtain the amount for each month. 42. first in, first out is a method used to determine the quantity of each type of merchandise on hand. 43. the journal entry for paying a note payable includes a debit to accounts payable to remove the balance owed. 44. when a business receives payment for a note receivable, accounts receivable is credited. 45. in interest calculations, time can be expressed in who

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Health Secretary Sebelius benefited from Dr.Tiller. Tiller personally gave hundreds of thousands of dollars to influence the outcome of the 2002 election in her favor. Sebelius just can't seem to tell the truth about her connections with Tiller. Her continued deception in this matter makes her unfit to serve in any political capacity, much less as the head of HHS, where she will have the ability to influence abortion policy. Sebelius has already been forced to admit that she failed to properly disclose how much money she obtained for her political campaigns from the abortion industry.

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Something perplexes me about the term “reverse racism.” It seems that if a Black person is racist against White people its racism in “reverse.” Why isn’t it just racism or racist? Are White people saying that they are the only ones who can be racist and anybody else who acts in this manner (verbal, physical, and or financial demonstration) are projecting their “natural” and or “assumed” actions back onto them? If so, isn't that an eye for an eye? And if so, what's wrong with that? Of course, I don’t promote racism. Just trying to understand what racism in “reverse” means. slick chrome american prince- good point! Ever heard anybody other than a White person use it? I haven't, but please let me know if you have! DAngelo- ok. I kind of see what you mean with the job, however, affirmative action was created because Blacks were not given jobs simply because of their race so in efforts to "even" things out more Blacks were "hired." Yet, can you, I know I can, think of circumstances that did not involve a job and this "tem" was used?

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For instance you get a great promotion and raise that will solve any of your financial issues, then you receive word that a friend has committed suicide.

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Hello, i was wondering if a lanlord is justified in retaining part rent. this was the situation: my girlfriend and i were interested in a home in a fourplex. we contacted the landlord of the premises, and looked at the place. we arranged a payment plan for the first months rent and damage deposit on the terms of 500 down ( of 1200) for the rent, and the rest to be auto withdrawn from my account at a later date. $500 cash was transfered to the landlord and a six month lease was signed on the 26th of may 2009. Reciept was given to me stating that the purpose of the money was, as agreed, part rent. In the lease agreement, it stated that tenancy began on the first of June 2009. However, on the 29th of may, after unforseen financial circumstances, we decided that we were no longer in a position to afford the residence. We contacted the landlord and let him know this, and returned the keys. When we asked about the $500 for the part rent, we were told that the rental company would retain our money for the simple fact that we " wasted their time". But it had only been two days. Is this legal? there was no mention of retainer fees, or any other fees of that sort.

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Ok so I have moved to a new area 2 months ago for my partners work. I have been looking for work for the past 2 months and so we are currently living off my partners money but it is getting really hard for me and I am loosing sleep over our financial situation. It is a fairly small town and seems that every job gets taken very quickly. I have a lot of admin and customer service skills and have been applying for everything and anything that is in the paper. I have also been around town to hand my resume in where ever I can and to introduce myself. Before we moved I had a medical emergency I had to pay for with my credit card, it couldnt be put off. Now im getting charged 23% and I dont know how to pay it off. Anyone got any advice on job searching and what else I could do?

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I am asking this not as an argument for another form of society, rather I am wanting to hear others' serious opinions on the 'results' of capitalism. The purposes of corporations are to increase profits and they are only accountable to their shareholders. Once a corporation maximizes their profits and reaches an unsustainable level of growth or income, they have to resort to cutting benefits, wages, etc. and what we end up with is an economy with a foundation built by service industry jobs, rather than important manufacturing jobs. NAFTA and other free trade agreements are extensions of the policy desired by capitalistic corporations than have an astounding amount of control over our political system. My question is if the corporations' only goal is to increase profits and they don't care how they do it, what are the ends. We are getting closer and closer by the day to financial ruin because of greed. Any ideas?

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The title was to catch your attention. Of course, we all define 'love and sex' differently.So I will not bother to ask what you think 'love and sex' is. I know several women who are attracted to men with unique personalities, incredibly handsome chiseled features, financial wealth, muscular and fit bodies, intelligent IQ's, foreign accents, or a sense of mysteriousness. Tell me which men with the above characteristics... 1.) Attract you physically? 2.) Make you want to get married? 3.) That you have FUN with socializing? 4.) Give you a different outlook on life? and most of all 5.) Make you want to be with the men forever? And to top it off... which of the above characteristics makes your body tingle and your knees weak? Which of the following characteristics do you fall heads over heels the most? And why?

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I have used Limewire and iTunes, as well as the oldies like AudioGalaxy and Napster, for most of my digital media needs. It seems the Gnutella network has gone to pot, and is ridden with malware and filthy content. I dislike the notion of being unable to keep and use files with programs like Rhapsody, but I am also unwilling to pay nearly a dollar per song with iTunes and its' likenesses. (I don't want a lecture on intellectual property and the financial plight of millionaire artists, thank you.) Does anyone have any experiences to share about quality programs or networks that are either server or peer-to-peer based that provide media I can keep, use, transfer and burn for a monthly or annual fee? I am quite willing to pay for the program and its' use. I will not, however, pay on a per-download basis for media. Thank you in advance for any advice, Yahoo!Answers Community.

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www.csi.ca This is the canadian financial institute website.I want to know about the chat forum.Is there any chats forum where i can find member to where i can chats or If there any other websites for chats for finance realated. Thank you

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The title was to catch your attention. Of course, we all define 'love and sex' differently.So I will not bother to ask what you think 'love and sex' is. I know several women who are attracted to men with unique personalities, incredibly handsome chiseled features, financial wealth, muscular and fit bodies, intelligent IQ's, foreign accents, or a sense of mysteriousness. Tell me which men with the above characteristics... 1.) Attract you physically? 2.) Make you want to get married? 3.) That you have FUN with socializing? 4.) Give you a different outlook on life? and most of all 5.) Make you want to be with the men forever? And to top it off... which of the above characteristics makes your body tingle and your knees weak? Which of the following characteristics do you fall heads over heels the most? And why?

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I am fresh out of high school and have been accepted into a six year pharmacy program, and it seems like a good choice for me. However, the pharmacy school is very expensive (about 27k per year), and I really don't know how I'm going to manage to pay for it even with the large amount of financial aid I recieved. I'm debating whether or not to just get a biology degree at a state school and then move on to the public medical school in my state. I realize that it will probably end up costing more in the long run, but with a degree in biology I figure I can get a decent job while in med school. I'm so confused, any ideas/suggestions?

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I would really appreciate help on this one. Anyone who has been there or can research for me or any knowledge about this whatsoever would be greatly appreciated. I live in a Village Green Apartment Community, specifically Hampton Farms in KY. I have lived here since the end of November. My lease is up on November 30 2009. I have been going to college full time and trying to work over forty hours a week as well because my husband got laid off from work. Our rent is 800 a month and all of our bills all together are around 1,300. To put it mildly we are struggling. We were struggling a little bit after the first couple of months. It was a bad financial decision to move here since rent is too high for us. We need to move somewhere cheaper and we are freaking out about breaking the lease. We have read and re-read the lease terms and agreements. It says if resident is to break the lease that we have to give a 30 day notice and there is also a fee of $1,550.00 I need to know if there might be any way of shortening the lease and also if we break the lease since me and my husband's name is on it, do we both owe the $1,550.00?? Because it doesn't say, it just says resident must pay said amnt. Bottom line is we can't afford it anymore and we need out. Please help me and let me know what is the best and smartest way to get out of this. Anything will help. Also could there be a chance that they would shorten the lease? THANKS!!!

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Don't get me wrong my kids are my life but I have 4 of them and its tough and at night I like to have a few to relax. Kids bring alot of financial/emotional stress as us parents know. its my only vice but I am worried about lung cancer, etc. Can any other parents out there relate to me? Thanks for all the advice guys, I truly appreciate it. i ahve been smoking since I was 16, quit for 3 years in between, am 32 now. I am smoking only a few a day and using commit lozenges throughout the day but it is sooo hard.....my life is full of stress, not only the kids but my job too...

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Focusing on very important skills that accountants must have. We must be able to detect errors. We must know how to cross check our ledgers and financial statements for accuracy. It is most important to be able to classify the general ledger accounts into the different general ledger classifications and where they belong on the financial statements. Finally, we have to know how to create financial statements.

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OK, So my bestest friend ever wants to come over to my new house. She's been to my old house, it was a regualr looking house. But then the divorce and I live with my dad, and we rented this ugly 3 bedroom house. It has this peachy orangle peeling paint on the exterior. And when you go up the porch, there's cobwebs on the railings. And the inside has really weird colors. Like in my room its really small, and has this ugly green on one wall and the rest is white. In the living room its red, brown, tan, and white on each wall. And in the dining room, it blue and brown on the walls. And we didnt fix it up yet, we probably wont, so I'm really ashamedto have her over. She's really nice and her house is like really pretty. I'm not kidding, her dad's really rich, and's like a CEO or some person who owns a company. And my dad's just got laid off, and we're struggling to afford the rent but hopefully we'll be able to pay the rent. But Friday was the first time I came to her house, even though we've been BFF's like forever she said she didnt want me to come over cuz she was ashamed. WHY WOULD SHE BE ASHAMED!? Everything thing in her house is like some designer brand and she lives in the high class neighborhood. Her mom and dad were really nice, but then i got uncomfy when they started asking me questions like"So, what do your parents do for a living?". But then my friend(thank goodness) cutt them off, and said "Mom, we're going to the jacuzzi now". She knows about our family's financial probs but i'm still embarassed to have her over for dinner. I asked my dad if we could paint the house but he said we dont have the money right now. Im really scared, what am i supposed to say, when she sees me house!!! HELP PLEASE!

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