Business & Finance - 12 June 2007

I withdrawn the money and now my bank account is -4600.00 and I can not afford this how can I get out of this debt

2007-06-12 08:47:01 · 3 answers · asked by denise c 1 in Other - Business & Finance

a friend told me that if I close on June 29 I'm not going to have to pay mortgage for July, instead my payments will start in august. is that true?

2007-06-12 08:37:54 · 7 answers · asked by RPH 2 in Renting & Real Estate

that means it has no charge fee and doesnt ask for your phone number,address,and fax

2007-06-12 08:35:09 · 4 answers · asked by x0shortie13x0 2 in Small Business

I am looking for the best way to invest $20,000-$30,000, over the next 3 years - with the best cash return. Help.

2007-06-12 08:33:22 · 10 answers · asked by meandus 2 in Investing

Usually when you went to second interview after how long later you received a job offer from a company.

2007-06-12 08:22:58 · 3 answers · asked by K K 1 in Other - Careers & Employment

How disparate impact discrimination and disparate treatment discrimination occur under Title VII, and their implications.

2007-06-12 08:21:00 · 2 answers · asked by partiesbyrosa 1 in Small Business

2007-06-12 08:18:29 · 7 answers · asked by argibee 1 in Personal Finance

I was told there is now a law where in a 14 day period if you check your credit for the same type of thing (auto loan), it only hits your credit once...

2007-06-12 08:18:10 · 6 answers · asked by legaleye2005 1 in Credit

Will there be fees? Grace period? Please help!

2007-06-12 08:14:54 · 9 answers · asked by Anonymous in United States

2007-06-12 08:14:04 · 3 answers · asked by ash j 2 in United Kingdom

2007-06-12 08:07:04 · 3 answers · asked by Sarah B 1 in Renting & Real Estate

2007-06-12 08:07:02 · 2 answers · asked by Justin 1 in Other - Business & Finance

What if I had over $80,000 more in cash than the car itself was worth and I told them I wanted to pay for it all with all the money I have, that I want to spend it ALL on a car?


1) What would they think?

2) What would they say?



I would never do this, but I'm just wondering for the fun of it to just get some laughs.

2007-06-12 08:02:07 · 7 answers · asked by Anonymous in Personal Finance

I've put down some money for earnest money. The bank told me I would get X interest rate. It's written in the contract that I must find financing that does not exceed X % interest, etc.

Now the bank is telling me I must pay Y %interest. It's more a lot more than X.

Do I still get my earnest money back?
Do I have to pay for the survey and apprasial that have already be completed???

2007-06-12 08:01:12 · 6 answers · asked by Smiles 4 in Renting & Real Estate

Tel: +447045713892
Fax: +448704795285
Ingoted: +448063439406
Date: 05/06/07
Ref: WG-HR/OE/CSE-908/2007

Attention: MANISH VISHWAKARMA,

RE: NOTIFICATION OF EMPLOYMENT/ JOB ENGAGEMENT:

1.1 After verification and confirmation of details contained in your submitted Resume/CV, it is with great pleasure that we extend to you the offer to join the Western Geco Ltd in UK as (SENIOR ELECTRICAL ENGINEER) a total monthly wage of GBP 8,200.00 (Eight Thousand Two Hundred British Pounds Sterling) Only.

You have been requested to join the Western Geco Ltd in the UK on JULY 23RD 2007. Western Geco Ltd shall arrange and pay for your flight ticket to join us in the UK for commencement of job in due time upon your compliance with the Western Geco Ltd/ British Expatriate Services paper works requirements.
JOB STATUS:
You shall be expected to enter into an initial job engagement contract with the Western Geco Ltd for a maximum duration of 365 days and can be converted/renewed to full-time service or otherwise upon your successful/satisfactory performance and preference.
Where the Government of the EU/UK either by legislation or administrative pronouncement, provides for new and/or additional benefits, including increase in salaries or directs that such benefits should apply to private sector, the Western Geco Ltd and you shall meet to discuss the new measures.

You shall be entitled to travel and relocation expenses plus travel/ contingencies allowances of GBP3, 200.00 that is excluded of relocation expenses and flight ticket prior to your job commencement as part of our service commitment/incentive to encourage our employees who have met our official statuary requirements.

1.2 YOU HAVE BEEN OFFERED THE POSITION SENIOR ELECTRICAL ENGINEER:

As one of our Senior Electrical Engineers, you’ll provide specialist engineering technical support and advice in specifying appropriate maintenance, inspection and reliability activities. We’ll also require you to evaluate new systems and procedures and provide advice regarding application and support for their introduction. You’ll identify, share and apply best practices, both from within Shell Group and from external sources, and provide electrical engineering support for projects and plant changes, either managed locally or by the project department. You can expect to assist the ENG Team Leader Electrical Engineering and ENG Distribution Engineer in long term planning of the electrical infrastructure and management of the generation and distribution system, including protection coordination, system modelling and system studies.
In addition to these tasks, you’ll also have the following tasks:
Acting as contract holder of a number of site term contracts Estimating or providing input to estimating for plant changes and projects Providing input to the site standards and procedures, electrical safety rules, guidance notes, electrical permit to work system, etc. Designing support for projects across the whole of the site Providing discipline input to multi-discipline teams looking at specific site issues or problems.
1.3 Other employment benefits/entitlements include and not limited to:
. Fully furnished accommodation (Family/Single housing)
. Medical, Dental and Optical care for employee/family
. Scholarship / Educational assistance
. Mobility.
. Relocation Expenses
. Life/Health Insurance Policy implementations
. Overtime Allowance benefits
1.7 PARTY A shall pay to EMPLOYEE on satisfactory performance of the services stated in 1.1, the sum of ₤9,200 (Nine thousand two hundred pounds sterling) monthly basic salary, or equivalent depending on EMPLOYEE’S home country and currency preference.
(a) PARTY A shall pay EMPLOYEE for the services rendered under this agreement by cheque presented on a monthly basis upon due presentation and receipt of undisputed Quality single or family housing shall be provided by SPDC or in the alternative the sum of ₤2,000.00 per month shall be paid to you as Housing Allowance.
(b) The sum of ₤3,100.00 shall be paid to you for personal effects shipment and excess baggage allowance.
(c) SPDC shall provide you access to some of the finest social and recreational facilities in the United Kingdom.
(d) SPDC will provide the employee with comprehensive health care for the terms of contract and follow-on care for injuries suffered during the term of contract for employer and family.
(e) The sum of ₤2330.00 per month shall be paid to you as Educational Assistance Benefit with family status contracts.
(f) Complete meals for you as deemed appropriate.
(g) ₤3.200.00 flat rate travel / entertainment allowance shall be paid by your employer for each international trip. Travel shall be by business / first class. However for the purpose of commencement, the cost of travel ticket shall be paid in addition to travel / entertainment allowance. Cost shall be substantiated and shall be the rate charged at the period / time of employees. Travel ticket including that of employees’ family only on employees’ early notification to employer and as shall be requested by employee.
(h) Employee shall also be entitled to maximum security including members of the state security service in housing community.
(I) the employee will be reimbursed by the employer for reasonable moving expense incurred only as a result of relocation or early termination of leases, storage charges: procurement of travel documents, immunization etc. Reimbursements shall be paid not more than five (5) working days from submission of report / and receipt as proof of payments.

1.4 CONTRACT ADMINISTRATION AND MANAGEMENT.

1.8 Serve as other wise specifically stated in a superseding document, the project administrator of PARTY A, shall maintain general administration and management of this contract on behalf of PARTY A and all correspondences relating or pertaining with this agreement should be made, forwarded, addressed to same.

1.9 PARTY B / EMPLOYEE agree to indemnify PARTY A in respect of any third party claims arising from PARTY B’s performance of this contract.
2.0 This agreement shall not be assigned or transferred in part of whole by due to termination of same any party to this agreement without prior written consent of the other party, which consent shall not unreasonably be withheld. Notwithstanding any of the aforementioned obligations, terms and conditions neither party shall
be deemed, considered in default of any of its obligations under this agreement as a result of “Force Majeure”, but if an interruption of performing the obligations under this agreement as a result of “Force Majeure’ condition for a period more than one month; PARTY A shall pay EMPLOYEE only 70% of the amount stated in paragraph 1.7 of this agreement as standby or agreement termination fee.

PARTY A shall; in the event of default or non-compliance of PARTY B/EMPLOYEE with the terms and conditions of this agreement; in writing give notice to PARTY B / EMPLOYEE specifying the areas of default and PARTY B / EMPLOYEE shall upon receipt of the said notice have ten (10) calendar days to rectify to the satisfaction of PARTY A the said default.

1.5 WORK HOURS.

The working hours shall be 40 hours working per week: Monday to Friday inclusive. Saturdays, Sundays and Gazettes public holidays shall be rest days. However, some employees’ who work on shift may have different work hours and rest days other than Saturdays and Sundays.

1.6 WEEKEND/ HOLIDAY DUTY ALLOWANCE:

Where an employee is required to be on duty on Saturdays, Sundays and Gazette public holidays, he will be paid as follows:
Total Performance: 9.0%- for work done for 6hours and above

Partial Performance: 4.5%- for work done for 3 hours but not up to 6 hours

Transport Allowance: GBP 30.00 per day worked
Meal Allowance: GBP 40.00 per day worked

1.7 SHIFT ALLOWANCE:
Western Geco Ltd shall pay shift allowance of GBP 45.00 only per shift to employees who work on shift either in the offices or fields.

Presence Weekend (PW), this rule will apply to periods arising from delays in evacuating the field, location site or office according to the arrangements subsisting between the Western Geco Ltd and the Department in question.

1.8 VACATION:
You shall be authorized Three (3) times paid vacation (Not exceeding 21 Working Days) each year, to be used at your discretion after duly informing and receiving approval from employer’s management. Employer will pay for travel expenses (i.e. flight tickets) and flat rate travel allowance of GBP2, 800.00.

COMPASSIONATE LEAVE:
In the event of death or serious illness of employees’ father, mother, wife husband or child, necessitating presence of staff, Western Geco Ltd shall grant compassionate leave with pay up to a maximum of 12 working days per year.
INTERNATIONALIZATION OF EMPLOYEE:
You shall be given the opportunity for international assignments within the group for the acquisition of experience and exposure to enhance your competence and not limited to job engagements as shall be required by the Western Geco Ltd as such you shall also be entitled to benefits on such issues.
DISCIPLINE:
You are expected to recognize the right of the Western

1. TERMINATION:
In addition, the company reserves the right to terminate the employment of any staff who flagrantly or repeatedly fails to comply with the company’s code of conduct or commits an offence of a magnitude that the company considers him unsuitable to be in its employment.


2. SUMMARY DISMISSAL:
In rare cases, an employee may be dismissed for the commission of a grave offence, in which case no notice is given. Such offences shall include inter-alias.

a) Theft and fraud in connection with company’s business or property. Any staff found guilty or implicated in any of these offences may be liable to prosecution.
b) Disclosure of confidential information of the company or its associate to a third party.
c) Conviction and/or imprisonment for criminal offence.

The Employee’s High Commission, Embassy/Consulate shall be given benefit of consultation in any case involving the dismissal of its citizens as such, Employee will also be given the chance of fair hearing and proper investigation prior to decisions conclusion.

With compliance with the mobilization, advancement & reimbursement policies (MA&DP) of the Western Geco Ltd, you shall be required to incurred all initial expenses as a result of your documentation & paper work processes/procurement and would be reimbursed in not more than five (5) working days upon your submission of invoice receipt or proof of incurred expenses.

This is for confirmation of readiness & seriousness of employee to join the Western Geco Ltd. team within the stipulated time frame and also based on previous occurrences experienced by our corporate management from expatriate services employees.

NOTE: You would be required to personally bear the initial expenses as regards the processing, procurement and acquisition of your legal immigrant paper works as a sign of your readiness and seriousness to join our team here in the UK in due time and you shall be reimbursed incurred expenses by the Western Geco Ltd management prior to your resumption in not more than Five (5) working days from date of your acquisition of the legal permit documentation , if you do not find this term agreeable, then do not hesitate to furnish us with a letter of
declination of your job engagement offer as soon as possible to enable us timely replacement on your position.
Welcome to our family.
Sincerely,



Prof. Richard Don Lawrence
Human Resources Manager,
Western Geco Limited.
Gatwick Airport
RH6 0NZ, West Sussex,
United Kingdom.


MANAGING DIRECTOR
MR. MICHAEL FISH


AND


…………………………………………
EMPLOYEE SIGNATURE & DATE

2007-06-12 07:56:45 · 9 answers · asked by manish v 1 in Other - Business & Finance

Close one of my visas and apply for a premium card or should I just keep my visas open and apply for an additional card? I don't want to have too many credit cards. I don't want my credit report to look bad. What are some good cards to apply for? I have excellent credit.

2007-06-12 07:53:33 · 3 answers · asked by Curious 1 in Credit

Hi, this is a follow up question to my original.

Most have said I cannot deduct the mortgage interest and property tax that was paid on this property that I was put on deed toward the end of the year.

How can IRS actually know that it wasn't me paying this?

If I provide funds to my mom earlier this year to make her mortgage payments and tax payments, isn't that considered me paying for it?

At the end of the year, the mortgage companies will have both my name and my moms on the 1099 as well as the property tax reciept with both my name and hers since by the time they generate this i will be on the deed too right?

2007-06-12 07:49:52 · 5 answers · asked by pc 1 in United States

be .

2007-06-12 07:49:49 · 4 answers · asked by Jo W1 1 in Personal Finance

I've been told that there are no lenders willing to lend on a non traditional property.I find that hard to believe in this current housing climate.Can anyone advise please?

2007-06-12 07:49:17 · 5 answers · asked by Anonymous in Renting & Real Estate

I seen this is in a book and in a magazine and i looked it up other place and they all say you can do this but none of them say where to go or anything on how to go about doing this it aint like selling plasma i dont think theres just a building you go where eveyone is there selling a slice of there liver but does anyone know how to go about this?

2007-06-12 07:45:18 · 9 answers · asked by josh_grav 1 in Small Business

Anyone help on a couple of basic questions.
What is the condition of these homes generally, or is it not possible to generalise because of location differences?
Can I buy as an investor and more than one property?

2007-06-12 07:43:36 · 3 answers · asked by InvestorPete 1 in Renting & Real Estate

I called one for a quote and he said it would cost $250 for a one hour consultation. Does that seem too much?

2007-06-12 07:42:25 · 8 answers · asked by adraa333 1 in Personal Finance

2007-06-12 07:41:35 · 5 answers · asked by cel 1 in Renting & Real Estate

Newbie investor, I have been through the prequal with a mortgage broker, but every auction notice I read the terms are full purchase price paid at the auction close or a short time after. What options do the more experience use to close the gap?

2007-06-12 07:39:53 · 4 answers · asked by InvestorPete 1 in Renting & Real Estate

I gave three weeks notice yesterday to my supervisor! I dont have a job lined up though. This has been in the works for a while, so it wasn't a hasty decison trust me. I have money saved up for about 2 months to live off, and I have been looking for a job for several months now to no avail. My supervisor is horrible (see other questions I have asked in the past for details). My question is: What are other avenues besides networking and applying to companies I can go to try and find another job. Recruiters: How I can I really find a job quick? I am not to worried because if need be I can work at a mall for an inbetween job. I have my bachelors degree, and I have already signed up with a temp agency and I am leaving on good terms. I have told people I know I am looking for another job and I have been applying to places left and right.

I am just so scared. i have never quit anything in my life and have never been out of work. I feel so free though, now I just need a plan. Any advice?

2007-06-12 07:35:22 · 9 answers · asked by Hey girl 4 in Other - Careers & Employment

2007-06-12 07:29:01 · 3 answers · asked by Mario S 1 in Other - Taxes

say, for instance, in the contract to buy a condo a 60 day closing period was agreed upon and both the seller and the buyers sign the contract. Just before the closing date (say 4 or 5 days) it is made known that the seller will not be able to attend/sign by the closing date. Do the buyers have any rights/recourse? What should the buyers do?

2007-06-12 07:27:33 · 3 answers · asked by Kevin E 1 in Renting & Real Estate

We have only lived in this house for 3 months, we were lied to about it value, the agent lied on the loan papers, our other home wasn't purchased by the investor as verbally promised, and a promised raise was denied. My partner has a security clearance she needs to protect so we can't destroy are credit, the home is worth almost 100k less then we paid for it. How can we save ourselves?

2007-06-12 07:25:06 · 3 answers · asked by AlohaKam 2 in Renting & Real Estate

OWNER FINANCE

2007-06-12 07:22:45 · 1 answers · asked by carolinabeachgirl07 1 in Renting & Real Estate

I was reading somewhere that said if you have someone with good credit add you to their credit card as authorized user if will improve my credit score. Do you have to actually use the card or just order it? Is this true???

2007-06-12 07:21:35 · 9 answers · asked by littlemaltese 1 in Credit