Business & Finance - 10 December 2007

i miss the long bond ! yes they brought it back3 yrs ago but it ain't the same..that lower risk 10 year remains the bellwether. i miss trading bond futures...they're not as liquid and haven't been for a decade. trading ten year futures is boring...5 yrs more so... need to bring back the days when bonds moved 3-4-5 points like in the 80's and early 90's..with a steep curve, and even at sub-5%, our idiots at treasury still think that financing america through lower 2 yr treasury rates is cheaper than through long bonds. treasury is committing a mistake similiar to those who in the last 4 years financed their mortgages with low teaser rate arms and now face higher long term fixed rates as opposed to having bot homes at long 30 yr fixed costs of 5%. but of course, uncle sam bailed them out last week and froze their rates ( in a free makt economy ???) through the HOPE NOW ALLIANCE ( you gotta be kidding me...HOPE!)

2007-12-10 15:57:23 · 3 answers · asked by cramsib 3 in Investing

hello everyone:

I have a question. Could someone please tell me how hiring and referral bonuses help businesses?

Please help. Thanks.

2007-12-10 15:55:37 · 1 answers · asked by Mr. Riz 6 in Small Business

dollor became so worthless now, does anyone think that dollor will regain its value? and why?

2007-12-10 15:55:36 · 8 answers · asked by Anonymous in Investing

I have currently been paying cash for my properties and then taking a loan out on them for my money back after i rehab them. My question is since i have acquired over 10 properties alot of banks are now being reluctant to lend me money because i have over 8 mortgages in my wife and I's name. Is forming a LLC the way that some people have over 80 investment properties. I know the local guys in my town are paying cash for these and pulling there money back out of them after they rehab them. I have an excellent income to debt ratio also.
any help from investors is appreciated
thanks in advance

2007-12-10 15:55:28 · 4 answers · asked by JACK P 1 in Investing

2007-12-10 15:55:11 · 1 answers · asked by ted f 2 in Other - Advertising & Marketing

Ive been fortunate enough to be a member to a company in pre-launch.
right now, we only have about 5,000 members, and we launch in
september.
Im looking for ways to reach out around the nation, speficicly around the internet.
Anyone have any ideas on how to expand on the net, and find people who are interested?

2007-12-10 15:53:40 · 7 answers · asked by fandfinvesting 2 in Other - Advertising & Marketing

How do u know how much to charge on ebay for shipping? Is their s certain formula or what?

2007-12-10 15:51:46 · 3 answers · asked by mdjgirl7 4 in Other - Business & Finance

The person wrote me a bad check that I deposited in my bank account. Since the bank cleared the check, I assumed everything was alrighty. today I was shocked to see that I was 700 over drawn in my bank because that check bounced and I needed to pay bills with that check. The bank even took my paycheck to pay for the overdraft fees. I live in the State of California. Does anyone know the laws for getting that money back? Cant the bank do something about it?

2007-12-10 15:49:53 · 6 answers · asked by pentalityism442 1 in Personal Finance

Please answer my question about wholesale. Thanks!?
Hello, If I but ready made lotion from a wholesaler and then add ingredients such as fragrance and thickener, preservative and scent...is it then now MY product? can I then rename and resell this as MY product even if I used the BASE from the wholeseller? Thanks!

2007-12-10 15:49:47 · 1 answers · asked by Rachel T. 2 in Small Business

Hello, If I but ready made lotion from a wholesaler and then add ingredients such as fragrance and thickener, preservative and scent...is it then now MY product? can I then rename and resell this as MY product even if I used the BASE from the wholeseller? Thanks!

2007-12-10 15:48:44 · 5 answers · asked by Rachel T. 2 in Other - Business & Finance

The yearly inflation rate of Nigeria was 10.5% in '07, 13.5% '06 and 16.5% '05. I wanted to calculate total cumulative change from 2005 to 2007 using excel. I used the crude way by starting with 100 and using 100*(1+2005 rate) = A then A*(1+2006 rate) etc and reaching 146.11. Alternatively I used some basic maths to work out total growth as x+y+z+xy+xz+yz+xyz (taking 2005 rate as x, 2006 as y and 2007 as z).

Point is I consider both methods as inelegant. I can't use first method in sheet where i have to work it out for many (100s of countries) and second method becomes very cumbersome for periods more than 3 yrs.

Can somebody tell me a better way to do it, preferably a formula that can be fed in a single Excel cell and is independent of no. of years?

2007-12-10 15:40:37 · 2 answers · asked by Vikash 1 in Other - Business & Finance

I am a recent college graduate (maybe not so recent since it has been 6 months now) with a bachelors in Biological Sciences. I want to get into real estate development/ building and I honestly do not know how to go about it. you are probably asking why get a B.S. in Bio if real estate was what I wanted. The simplest answer is that in my final year in college I realized that medical school was not for me but instead real estate was what i wanted to pursue. So here I am 6 months later with no idea of how to go about getting into real estate development.

So my question is how should I go about pursuing this dream of mine? should I go back to school to study real estate development or try to get a job in a real estate development company and work my way up?

PLEASE HELP I need advise.

Thank you.

2007-12-10 15:39:07 · 2 answers · asked by Michelle M 1 in Other - Careers & Employment

2007-12-10 15:33:19 · 2 answers · asked by allaboutme 3 in Renting & Real Estate

Our owner has askd us2 vacate their flat due 2their personal reasons. Shd we vacate before lease period ends?
What about the issues on 1).agent's fee 2). monthly deposit 3).Can owner ask the tenant to vacate before lease period ends? 4).What all should a tenant keep in mind before signing any tenancy contract? Singaporeans! Please guide. Thanks.

2007-12-10 15:31:17 · 4 answers · asked by thankGod 2 in Renting & Real Estate

my husband and i have credit cards and in total for bills on them (cause they suck...capital one SUCKS and so does first financial bank--DONT USE THEM) we owe like..500 bucks.

can i pay them off a little at a time or do i HAVE to meet the lowest payment due? like...one of the payments is 200 dollars for the minimum do. can i pay only 100 and still make it off ok?

2007-12-10 15:28:31 · 7 answers · asked by Anonymous in Credit

2007-12-10 15:23:18 · 5 answers · asked by herotoad 1 in United Kingdom

Does any one know what company planes on making 20-30 nuclear reactors my the year 2025. I got a e-mail but they didnt say who it was please help!!!

2007-12-10 15:22:57 · 1 answers · asked by T-DUB 2 in Investing

2007-12-10 15:18:19 · 4 answers · asked by jeanette c 1 in Insurance

I am in the process of buying a house and I'm wondering if there is anywhere online I can go to see if the areas I'm looking at are safe or how the crime rate is. Is there anywhere I can get this info? Thanks!

2007-12-10 15:18:11 · 1 answers · asked by ecetwo 2 in Renting & Real Estate

i heed help abt equity counter birla power , some of my friends have told me its bound targeted to 150/= with in a few sweet days as ats current market price is 57/= please guide, do i invest in that counter or to invest in some other one...

2007-12-10 15:17:55 · 3 answers · asked by smartsin2k 1 in Investing

I have a cashier's check, and the routing number is the number for the bank. The check number and the MICR check number agree. I did e-mail the bank.

2007-12-10 15:14:46 · 5 answers · asked by neeferDuir 2 in Personal Finance

Brand X: 15 oz for $5.10
Brand Y:12 oz for $3.84


if can please show work.(Thanks)

2007-12-10 15:14:14 · 1 answers · asked by LD G 1 in Other - Business & Finance

*My spouse lives like a single person when he is not at home. He gets strange phone calls and text messages. He has a bad temper and says he does not care about any of us and does not want to be here. He will frequently attack at least one of the children physically and all of us verbally.
*He has not asked for divorce. When I ask him about it, he denies it. I think he is just plotting his way out.
*Many of my personal belongings have disappeared. I think he gave them all away.
*I want to leave before the stuff hits the fan. I don't want to be surprised and left with nothing and nowhere to go with a bunch of kids.
*I think I have about 3 months according to his behavior.
*Can I just leave, take every stick of furniture/appliances/hardware, etc. left in the house, serve him with divorce papers, then demand that our house be used for rental property and extra income or should it be sold, or should he buy me out? What's best?
*Where to find a new low cost rental home for 5

2007-12-10 15:05:56 · 4 answers · asked by CURIOUS 1 in Renting & Real Estate

2007-12-10 15:01:46 · 2 answers · asked by iris 1 in Other - Taxes

Ok, I am a college student. With all the work from school, I didn't get a job till I was 20 years old, Summer 2006. I worked for about a month and made about $1600 after all the taxes they took off on the checks itself. Well I didn't file a tax return/claim that was due 4/15/07. I honestly am not even sure how all this works. I heard if you make less that $5000, you don't have to file for taxes. Am I out of the clear? I didn't have my second job till this Summer 2007 and made about $2200 after taxes, do I have to file this year? These jobs have been the only income ever, all other money I got was allowance and what not from family. I never got a letter from the IRS, but then again I have moved since then, but I do get my mail forwarded. Do I have anything to worry about? I understand if I owed money I would be in big trouble, but how do I know if I owe money, and how do I know if I get a refund, and tax deductions. Please help me out. I don't mind no refund but I don't wanna pay fines.

2007-12-10 14:58:02 · 6 answers · asked by Wondering 1 in United States

i have no clue how taxes work but can I assume that i will get a significant tax break because of my homeownership status (i usually got about 1100 back when I was renting.)

2007-12-10 14:56:30 · 5 answers · asked by Anonymous in United States

Once a home has been moved to 'foreclosure', can it be removed if all parties agree?

2007-12-10 14:54:31 · 4 answers · asked by Ray S 1 in Renting & Real Estate

I'm 18, and interested in getting my first credit card. I want to build up my credit which, I don't think will be a problem because I'm really good at paying bills on time. What are some good tips as well as do's and don'ts when I get my first credit card? What should I be aware of? What would be helpful to avoid?

2007-12-10 14:52:28 · 8 answers · asked by Latina111 2 in Credit

New technologies abound - many have "high impact" potentials or open-ended application capabilities. Their respective "debuts" (and marriages) can have far-reaching & unforeseen effects, most often destabilizing. Do candidates stand for laissez-faire non-interventionism OR more proactive, reflexive approach whereby humankind is given due-notice & due-diligence, to encourage a participatory future & create organizations to expeditiously reach viable & reliable consenses as to the kinds of application which should be tolerated over a given span of time. This points to questions concerning rates of change & human abilities to maintain a cohesive society & sustainable ecologies.
The technology acquisition curve - an exponential one, is NOT an academic "pipe-dream;" but a very real fact of our present day existence. Will we collectively choose to face a "no-holds-barred" future or one of "managed (in)sanity?" Think about genetics & the knee-jerk reactionism against stem cell research!

2007-12-10 14:52:27 · 1 answers · asked by cherodman4u 4 in Other - Business & Finance

7 yrs. ago my husband and I bought our 1st home thru a mortgage broker. We refinanced to get our payments lowered 4 yrs. later. We were uninformed at the time and the shady mortgage broker we went thru appraised our house for more than what it was actually worth then on top of that we got an adjustable rate loan. Now to the present, our interest rate is 12.9%, we our in a house that is not worth what we owe, and it was supposed to be a stepping stone not our dream home, which it is NOT at all. My husbands grandfather is giving us his house and property when he is gone. He has decided that we can move in now with no strings. My husbands name is already on the property. We are thinking we should just let this house forclose but we don't know what happens to people when they do this. Do you end up having to pay huge amounts of money to the lender? If they sue you what can they get? What is the worst case senerio?

2007-12-10 14:52:25 · 2 answers · asked by Anonymous in Renting & Real Estate