Business & Finance - 29 December 2006

I had my yearly physical a couple of weeks ago. From this my health insurance received two invoices, one from my doctor, one from the lab. The Allowed Amount for the doctors visit was $176.86. My insurance paid $150 according my plan ($150 maximum benefit), I have to pay $26.86. No problem there.

The invoice for the lab (received by the insurance 2 days later, Amount Billed $603.89, Allowed Amount $75.96) is now completely denied by the insurance, due to the fact that the maximum benefit was already reached with my doctors invoice (same billing reason). I understand that my insurance will not cover more than those $150.
I am told now by my insurance that I will be billed and have to pay out of pocket the full $604 to the lab, not the $76, since I will not get the discounted rates my insurance does.
My quesiton now: is there insurance in FL available that extends the discounted rates somehow to its members, so they get the services to the same price as the company would?

2006-12-29 03:03:37 · 1 answers · asked by Stefan B 1 in Insurance

I think real estate agents are just grossly overpaid for the kind of work they do, and it's an industry where not every agent gets fairly paid. Too much wealth is concentrated on too few agents. It's time for the government to correct the % of commissions to agents given the high value of properties these days, and to regulate the number of properties each agent can buy/ sell in order to give all real estate agents fair opportunities.

2006-12-29 03:03:36 · 7 answers · asked by CuriousAsker 1 in Renting & Real Estate

OK tax buffs...I've got a question that I couldn't find a clear answer to on IRS's website:

My work-related expenses (not reimbursed by my employer) for 2006 total about 2.6% of my AGI. I was reading about work-related deductions on the IRS website, and there seems to be a "limitation" of 2% of AGI to take this deduction.

What does this mean? Does it mean that your work-related expenses must total at least 2% of your AGI in order to be able to deduct them? Or can you ONLY deduct work-related expenses above and beyond 2% of your AGI? Or are you only allowed to deduct work-related expenses UP TO 2% of your AGI?

Please help...I am pretty confused. I've always used TurboTax but this year I might get some professional help!

2006-12-29 03:03:27 · 2 answers · asked by badsinger 2 in Other - Taxes

Whether we like to admit it or not, physical appearances play a major part of everyday life. Today, especially, there is an increasing pressure to look good and stay thin. Mesotherapy is a relatively new, non surgical, non invasive weight loss procedure that is an alternative to liposuction and other methods. It is used for cellulite reduction, face and neck revitalization and body contouring. Essentially, it involves a series of relatively painless injections into the mesoderm layer of the skin. The injections are composed of all natural vitamins and minerals as well FDA approved medications that work together to eliminate the fat naturally. It's better than other weight loss methods because theres no downtime, its painfree, the change is natural, there is no scarring, and the only side effect is minor bruising.

My question is, what types of advertisements will be most effective, as well as cost-effectivev, in getting people to respond?

2006-12-29 03:00:19 · 8 answers · asked by me 2 in Other - Advertising & Marketing

2006-12-29 02:59:59 · 7 answers · asked by libragyurl 1 in Careers & Employment

out how to get into the funeral directory business?. as far as I no there are no schools. do they have apprentacies or any other way to get in the business?

2006-12-29 02:59:26 · 3 answers · asked by rfxdwg01 1 in Careers & Employment

All the girls in my class say he is a pervert because he looks down their shirts when they set next to his desk. Should he be fired or not

2006-12-29 02:57:08 · 14 answers · asked by Taylor R 2 in Careers & Employment

I am in love with a college professor from my University. He is 54 years old and married for 30 years. He is white and I am black. It started one day when we had to choose someone to speak to our class for career day and I got him to come in because he is a college professor, an attorney, and a judge. Upon interviewing him in his office things got kind of intimate between us. Not kissing just a profound emotional attachment. Each time I went to his office afterward he would stop who he was talking to just to talk to me. He would even peak through my classroom door at me and stare. On the day for him to come to speak to my class he stared at me most of the class while giving his lecture. The class professor noticed and mentioned to him that she teaches a class at night with his wife. His expression changed to sadness. Shortly after I placed a letter under his office door & told him I am in love with him but because of his marriage and career obligation that I would love him from afar.

2006-12-29 02:55:50 · 7 answers · asked by starsmoonis 2 in Careers & Employment

For tax pruposes, do I document miles I drive to each business account or do I document the miles from my place of business to each account?

2006-12-29 02:54:42 · 4 answers · asked by chuff0902 1 in Other - Taxes

Hi i was thinking of renting a house but the thing is they are really expensive, How do people afford to live in a rented house these days and have money left for bills.
The thing is I dont know how i am ever going to be able to afford to rent a house let alone buy one.
What can i do, what do you do if you rent a house.
Any advice would be wonderfuln as its really stressing me out as i want a place of my own but its impossible.

2006-12-29 02:49:34 · 20 answers · asked by Anonymous in Renting & Real Estate

I have just recieved a first bill for a catalogue (studio) and they have charged me £20 for a late payment charge .According to them i should have paid last month ,but i couldn`t because of having no payment slip
I only owe them £80 anyway which is a minimum payment of about £5
are they allowed to do this ?
not that i intend to pay it they can have what i owe them ,no more no less and i don`t care what they think they`re going to do about it
but i`d like to know where i stand legaly

2006-12-29 02:49:27 · 3 answers · asked by keny 6 in Credit

2006-12-29 02:48:45 · 3 answers · asked by tnisja232 1 in Careers & Employment

I've decided that I need to quit my current job TODAY. It's just making me a physical and emotional wreck and I need a fresh start. I was wondering if anyone had any insight on how to actually quit.

I am able to give two weeks notice, so that's not an issue. Also, my boss works in another state and we just communicate through the phone - so any advice on how to quit over the phone would be great too.

Thanks everyone!

2006-12-29 02:46:24 · 5 answers · asked by Lizzy 3 in Careers & Employment

2006-12-29 02:44:48 · 5 answers · asked by Smile Everyday 1 in Careers & Employment

He said he was trying to get me on this creative team before the end of the year. Well it's Dec 29th today and I've heard nothing. WTF?

Should I ask him WTF? or would that look too desperate?

I'm a temp and they are basically supposed to be hiring me temp to perm and I've already been interviewed and filled out a bunch of paperwork and it seems likely I will get the position but it's making me crazy that my boss said more than 2 weeks ago that he was trying to get the position filled before new year. I am one of TWO people interviewed for the job and that was 2 weeks ago.

How f*cking long does it take to make a decision like this? What should I do?

2006-12-29 02:41:06 · 5 answers · asked by Ryan 3 in Careers & Employment

what can the bank do if a credit card goes unpaid

2006-12-29 02:39:00 · 7 answers · asked by Anonymous in Credit

2006-12-29 02:36:39 · 1 answers · asked by X 3 in Other - Business & Finance

2006-12-29 02:34:01 · 2 answers · asked by nat_00420 2 in Canada

2006-12-29 02:33:15 · 9 answers · asked by tiger 1 in Small Business

I am 21 and about to graduate in May 2007 with a degree in Finance. I want to pursue a law degree part time after I graduate while also working full time. I have one semester of university left, from February to May. My problem is that it is hard to find jobs that offer 9-5 hours that will give me enough time to complete law school well. So far, I have interviewed for some management positions at financial institutions and an industrial firm, but so far no takers. I have pretty decent grades, but I have no extracurriculars other than working many hours in retail each week for three years. I have not been able to find any government positions. I can't go to law school full-time for financial reasons. What can I do, besides getting a Notary Public, to boost up my resume and credentials? What positions fit my needs and how can I find them? I sincerely thank you for helping me on this important matter.

2006-12-29 02:32:44 · 2 answers · asked by Mack 2 in Careers & Employment

Or can you take time off in leiu? If so should that be on day off for each bank holiday or 2. This is mainly about having to work New Years Day.

2006-12-29 02:32:08 · 6 answers · asked by Kali 2 in Careers & Employment

I opened an agency offering a lot of services such as translating paper work from English to Polish, offering a lot of every-day kind of services that the average Polish only speaking person could use. This agency benefits the Polish people who can't do simple things for themselves like clarify billing letters, file taxes, get an insurance quote, DMV-related services, etc. Any advice on how to gain customers, and business? What other services do you think I can offer? Please advise. All advice is appreciated.

2006-12-29 02:27:53 · 4 answers · asked by Anonymous in Other - Business & Finance

After months of unemployment I had found a seasonal job as a hotel receptionist until March.Well,the job was simply impossible to deal with.I have been asked to work from 8 AM to 10 PM,to do the porter and maintenance duties too.I'm speechless.I left the job after 10 days because I was already exhausted.Do you think that's fair?I just find it insulting and really upsetting.

2006-12-29 02:27:50 · 10 answers · asked by Brenno 6 in Careers & Employment

I am going to start my internet business from tomorrow. I have just got my computer with internet connection.

2006-12-29 02:26:15 · 8 answers · asked by Indian wizard 2 in Small Business

I am looking for a franchise / business opportunity in Southern Spain. Does anyone know of a company making blinds who could deliver there? Or perhaps a franchise opportunity?

2006-12-29 02:25:00 · 1 answers · asked by gaz 3 in Small Business

2006-12-29 02:23:36 · 23 answers · asked by Madern day Micawber 1 in Personal Finance

2006-12-29 02:22:11 · 13 answers · asked by Anonymous in Careers & Employment

2006-12-29 02:19:39 · 3 answers · asked by dolphin9683 1 in Search Engine Optimization

2006-12-29 02:16:50 · 6 answers · asked by anjali c 1 in Other - Business & Finance

2006-12-29 02:12:17 · 3 answers · asked by anjali c 1 in Other - Business & Finance