Im currently unemployed
Full time college student
and want to apply for credit to purchase a lap top.
Having worked in computer sales for many years, the only way we give credit or create payment plans is if the customer has a continuing and regular source of income. As a business it is unlikely that they will offer credit. However, I have sold many computers to students via a loan or scholarship from the schools and colleges themselves. It would be well worth speaking to financial liason officers or equivilants at your school.

It is part of a project management class (what process can you use to optimize the return on products?) Thanks!
The money spent producing a product, if kept low, will increase the return of the investment.
Keeping cost low could mean lesser quality materials used, Lower cost labor. Increase productivity. (by offering incentives.)
Cutting out the middle man. Spending less on advertisement.
In other words; get more bang for your buck.(as the producer)
.
Get the most out of the earnings, or earn as much as you can. You OPTIMIZE, or improve, the RETURN, or earnings, of the products.
open a dictionary and see what the word optimize means…oooo…look….fascinating….a meaning of a word can do wonders when trying to understand it in a sentence…

after you fill out an app. for the job, how long does it take for them to call you? i know not everyone gets called but if you do how long would it take? it is only for subway and a grocery store.
whatever you do…. do not listen to those that gave you those websites.. they are scams.. There is no "easy" way to make money.. And no online jobs

Maybe up to 2 weeks before you get a call.. After a few days I would call them and just politly ask if they have had a chance to review your application.. It helps make you look truly interested and they will pay extra attention to it.. (hopefully)

Good luck
Sometimes they call you the same day, other times it can take over a month.

But if you need a part time job right away you might want to check out cashcratenow.info

You can earn some extra cash without having a real job.
It could take anywhere from a day to a month. A job that I applied for once called me a month and a half later for a phone interview… You just have to be patient.

I got a letter saying that their records show that I have been employed in work in which I did not pay Social Security taxes.

Actually I did work and I filed my taxes, but I didn't end up having to pay anything and instead I got a refund.

Are they saying basically that I didn't file my taxes or no?
So what kind of income did you have? Who did you work for?

If you have earned income–the only kind that can create a refund for EIC and child tax credit–you had to have fica/mc taxes paid. If it wasn't paid by your employer, then it's your responsibility to pay it.
Social Security tax is different from income tax. Did you work as an "independent contractor" and get a 1099 (instead of a W-2) from your "employer"? That could be the reason why. The other possibility is that you were an employee and the employer failed to pay Social Security payroll taxes.
if the letter said that Social Security taxes were not withheld it meant that the employer failed to withhold and that is a big problem for him
it is possible SS Admin will require you to pay the portion that should have been withheld from you
who sent the letter to you, Social Security or Internal Revenue?

My parents were told by their landlord Tuesday evening that they had to be out by this coming up Monday. They have been faithful about paying the rent and the landlord has no just cause. He hasnt provided any written notice. My question is… Do they have to move? I was under the impression that one has to be provided a 30 day written notice. Can anyone help me?
Your right. Unless your parents have done something againist the lease they are entitled to 30 days written notice
Really depends what is in the lease your parents signed. Normally, landlord gives 30 days. If your parent or you did something that violates the lease agreement, eviction could be immediate.

Look up your state's rental rights to know what recourse you have.

i wanna know what having a bigger customer base means for my business studies lesson.
bare in mind im 14 yrs old. so can the answer be a simple words plz?
thnx in advnce xx
It usually means that whatever you are selling or marketing can be reached by more people. Your customer base are the people that you are trying to get to either buy your product or use your service. So, if you want a bigger customer base you want to increase the number of people who will be your customers.
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It means you have a bigger base of customers. Simple.

Does the ups take usps boxes?
I want to send my 360 it got the red rings and i put it in a usps box would they still take it? also i have no tape and i stapled the label to the box think itll hold?
UPS should reject it if it's a US priority or express mail box as it's illegal to use those for any other shipping method.

Discover sent me something saying "As a Preferred Cardmember with our esteemed "5.0 Superior" rating, you could pay off $15,000 in high interest loans with the special Discover(R) Personal Loan program."

1. Does this mean that Discover thinks that I owe "$15,000 in high interest loans"? I did not know about this debt. Should I check my credit report to see who is reporting that I owe this much? Or does Discover just mean that, if I had that much in high interest loans, then I would be able to pay off the debt, not that I actually do owe that much?

2. What does "5.0 Superior" mean? What is the formula to convert a Discover rating into a FICO score?
It only means that they think $15,000 will get your attention. 5.0 means absolutely nothing. It's just a marketing gimmick. They send the exact same mail to thousands of cardholders every week, just trying to sell high interest loans.

Only after you apply do they check your real credit rating and deciede how much they can lend you and what rate they will charge.
Unless you get a bill, then no you don't owe that lol.
In today's economy, it seems that everyone is in debt, so it would appear that discover is trying to use that as a marketing ploy, so people who have high interest loans can get a lower interest loan to play off the higher loan with.
I have no Idea what 5.0 Superior means. what I do know is they put that in there to make it sound more impressive.
I have a answer your first question:
NO, YOU DON'T OWE THEM $15,000 dollars. If you had a $15k debt then you could enter the personal loan program to clear your debt but pay high interest rate.

Pros: Clearing all your debt you owe.

Con's: owing Discover $15,000 high interest. -

I don't have an answer to your second question- Sorry

I was reading about trading properties and came across the 1031 exchange program but I don’t understand it at all.

I currently own a house and am getting married this summer and I need to sell it as soon as possible because I will be moving into his house. We want to buy another house roughly 30 miles away in a skiing city and we would love to do this within a month but in order to do so I need to sell my house first. Since the new property is roughly worth 300K more than mine and since it would not be a primary residence could we use the 1031 exchange?

Also if it matters both he and I own our own businesses and the main reason for wanting to buy this skiing house is because I own a nightclub in this skiing city and don’t want to have to drive every day and night during the winter though the canyon. If you have any advise of somehow either one of us doing this as a legal business exchange that would be helpful too.

Would I be better off just putting my house on the market and hoping that it sells within a few months? Do I have any other options for “switching” these two homes? What would be my best bet?

Thank you.
Your personal residence does NOT qualify. You'd have to rent it out for 3-5 years before the IRS would believe you.

Besides, if you have lived in it long enough, you won't be taxes on the $250K of capital gains anyway.

IRS pub 523.
Has it been a rental property the entire time you owned it? You had to have held it for 5 years as investment to qualify. And unless we are talking about property worth million a 300k gap in value is a deal breaker, you are suppoed to come much closer then that, and make up hte difference in cash. Additionally the new purchase must also be income producing property, it can not be a primary residence.

I've had a carry on with the bank over the weekend, i paid in £367.50 into the bank on saturday and when i checked my balance later i was £100 short, when i queried this with the bank they told me that i didn't pay this amount in and i only paid £267.50 (which is nonsense) my statement shows that they have taken the £367.50 out of my account and then credited £267.50 back into my account, so really they have theived this £100 from me, do they have the right to do this? If there was a mistake surely they should ring me about it? Can someone help please?

I'm gonna starve now because i have no money to live off!!
If you paid cash over the counter to a cashier then the bank have made a mistake as the money would be counted at the time - they can't come back later and say that you didn't pay that amount.
If you paid the cash in through a machine that counts the money as you pay it in then you would have a receipt for the amount.
If you paid cash into a machine in an envelope then you haven't really got a leg to stand on because you don't have a receipt and the bank can easily say that the amount written on the envelope did not correspond with the cash inside. Your statement will show the £367 going in because that was what was on the envelope, then it will show the adjustment.
The bank haven't taken £100 out of your account - they are saying that it was never in your account.
Was this by cheque? Do you have the receipt of when you paid in it?
Without proof you would have no grounds unfortunately. If it is a cheque then they could dig out the actual cheque to check the amount stated, and look at their computer records for the amount they paid in.

Have you actually asked them what the £100 charge was for?

If they haven't made an honest mistake, you can always contact the financial ombudsman.
As others said if you have your receipt then you have proof, but that still doesn't mean you will get the extra hundred.

Was it a check you put in? Cause if you used a check they can bring up an image to see if it was 267 or 367.

What may have happened is in the numerical part it said 367, but in the written part it said 267. So the bank it was drawn on sent it back for 267 vs. 367.
How are you going to starve ? You have 267.50 in your account.

Your aren't specific as to how and in what form you deposited the money. Until you get that straightened there is much speculation.

Cash, payroll check at the teller window, ATM machine.

Good luck, eat crackers and water for awhile.
Have you check and are very sure that the amount is paid is 367.50 and not 267.50. It is not good to accuse your bank unless you are very sure that they had made the mistake.
Use your receipt, that's why you have this to prove what you actually did do. Then they will take care of it, it's not a big deal, unless you do not keep your receipts!
Your statement shows the mis-recorded your 267.50 deposit as 367.50 and corrected the error when it was discovered. And NO, they would not call you about a mistake.
So back and show them the receipt/statement etc.
We have been through this before. If you have the reciept they are liable.