http://seattletimes.nwsource.com/html/politics/2010117480_apushomebuyerstaxcredit.html
Not only illegal immigrants.
I heard on the radio that children were being signed up.

Oh, how easy it must be to rip-off the government.
Can't wait till Bobama's free healthcare comes along.
/

I would like to invest in some penny stocks and I know they are more risky but their returns can be huge.So I would like to know how to easily invest in penny stocks.
First, you need to find a brokerage firm and set up an account before you are going to be trading any hot penny stocks. Make sure you are set up to get good, cheap trades - some as low as seven dollars - that are available with all the major indexes.

When you decide to invest in hot penny stocks, you should make sure that you aren't just following the pack and that you are ahead of the curve. Penny stock investing is all about buying what is undervalued and then selling quick to make a fast return on investment.

Because the market can change so quickly, the internet is probably the best resource to find the latest financial news.

Keep track of how much money you would have made with the recommendation of each website or whatever strategy you are trying out. Pay attention if one source in particular seems to be ahead of the curve and is picking up on the hot penny stocks before everyone else.

Hopefully your hot penny stocks will turn into this, and not the other way around Once you've decided for yourself which are the smartest investments, then go ahead and put your money into the market. But never invest more money into the market than you can afford to lose, because penny stocks - even "hot penny stocks" - can be extremely volatile. Be prepared to lose some of your money if you've made a bad investment.
For the best penny stocks to buy right now please visit my source.
Making money in penny stocks is not easy; if it were easy, every one would be doing it.

Like any type of investing, you need to do your homework by examining the current status and future prospects of the company. Having bought the stock, you need to watch it like a hawk, and sell when you have made a significant profit. Remember, you make money only when you sell!
I am a moderator for a community site kinda like face book for stock holders and researchers, its a 100% free site, non push site (we wont tell you to buy a stock to get us a gain), has a face book style design and a stock chat, its StockGoodies.com hope to see you there, Goodies4monkeys sent you

we are always talking about penny stocks and sub penny stock, and higher priced ones too, im looking at CXTI for play the dip, come on by to talk more detailed about pennys, hope i can help,

its free just dont push stocks thats why we like the community feel for it
The stocks you want to focus on is consumer staples, consumer discretionary, and healthcare. These are DEFENSIVE stocks that will survive through good and bad times. Most of my positions are in these stocks. Some names include 3M, Procter & Gamble, Kimberly Clark, Exxon Mobil, Walmart, Costco. Everybody's got to eat and wipe their butts regardless of the state of economy. Many of these companies survived through the Great Depression.

That's the benefits. You can sleep at night knowing your money is doing well. There are NO guarantees that you won't lose money. It's just that these stocks are the best. They pay good dividends too.
Investing is easy, the hard thing is knowing WHICH one to invest in. Here is a great making money investing site that answers many questions and gives you great ideas. It's the one I use. Good luck.

http://makingmoneyinvesting.blogspot.com/
I would stay away from penny/ OTC stocks. Easily manipulated and they usually are. You can get burned, bad. My friends have lost thousands on penny stocks.

I been studying culinary, and I don't know what field I want to be in, I keep going back. At first I was study to be pastry then I went more sue chef area, now I'm back to pastry.

Any tips to focus on a field?

Englihs is my seocnd lanuage
A Sous Chef oversees employees and directs production in the kitchen, as the Executive chef's responsibilities may keep him chained to a desk most of the workday. It is imperative that you have excellent communication skills along with a good command of the local language if you are to be successfull.
I agree that if it is your desire to work as a Pastry Chef, and that is where your talent lies, then do it! Long term you will be happier.
Why not study both? Though, sue chef might be more flexible as far as getting a job is concerned, but the important thing is to do the one you enjoy more and are better at. Are you better at being a pastry chef or a sue chef?

i have a business idea and im planning to go ahead with it
i need 10,000 to start it and figured i might stand a chance for a business loan with a bank but if i was to arrange a meeting what will they want to no? will i need to make business plan of some form? etc etc etc
they will want to know:

- who you are! your past experience, knowledge, qualifications etc

- what your idea is - a product, service, website etc & where you want to be with the idea in 1,2,5 years time

- how the business will be set up & run, ie sole trader, limited company etc

- who your customers/target market are going to be (this is your research section)

- how you're going to get customers (this is your marketing section)

- how much you're going to sell (financial forecasts for the first 2 years)

- how much the business will cost to run (again financial aspect for the first 2 years)

- who your competitors are, very important!

- how you are better than your competitors (your USP, unique selling point, ie are you cheaper, or do you offer better customer service, better quality product/service etc)

- any other risks to your business, ie legal or political, market trends etc long term sickness

once you have looked into each of these in turn you need to write down your findings, this information then becomes your business plan. there are lots of 'business plan templates' out there on the net but be careful as you need it to be very individual to your idea not just some bog standard form as the bank will see straight through it!

also seriously consider grants before getting a loan… business link have a useful grant directory which you can search
for more info see http://newbiztips.net/financeandfunding.aspx

best of luck with the new business!
Rebecca
Yes you will need a detailed business plan, turnover and profit projections and more than likely personal guarantees for the loan (which are normally a second charge on property etc).

It's extremely unlikely in the current climate that any bank will give you a loan as a start up business unless you have a track record in the business you are going into, a significant source of funding from elsewhere or are able to get a guarantor for it.

There are government backed loans available for small businesses - look up the Small Firms Loan Guarantee Scheme. This is probably your best bet.
for starters you will need to produce a sound business plan
and have done your own homework

you will need to provide your intended costs, profit margin,competitors,
marketing, your intended customers etc etc
You also need a contingency plan /survival budget ,should business fall off

You'll also be required to put money of your own up front as well,as the bank are unlikely to risk their money, if you won't risk yours
Contact your local Business Link. They provide free help and advice on starting in business and they're very good on business plans, which are essential for any funding application.

They're also very good on sources of funding. As has been said elsewhere, the bank is not the only route to funds. Most funders will expect you to put up at least 50% of the investment in the business. Talk this through with Business Link.

Good luck!
Hello Everyone

My name is Debbie Clan, i am from United Kingdom. For the passed somemonths now i have being experiencing through financial crisis in my business, until i was introduce to Micheal Lancer Loan Firm company were they offer me a loan at a reduce rate of 3% within 2days. Now i am doing very perfect in my business, please i want you to contact them today via this email address

micheallancerloanfirm@hotmail.com , micheallancerloanfirm@yahoo.com ,
You need a credit report try downloading one from experian.
Also u may need a business plan, that involves the type of business u want to create, how much u want to borrow wat the money will do for u and how much return u expect to get back.
Good luck honey!
Hello,

I live in the US and i really have never seen goodness shown to me this
much in my life as i am a struggling mum with three kids and i have been going
through really rough times in my life and my name is Helen
Peters and in all this hard times, a worse incident occured in my life as i
lost my job which was my only means of survival and things became really bad as
i had bills to pay and my last son suffered a knee injury incurred when he fell
from a tree house and the doctors informed me that he needed a surgical
operation for his knee so he could walk again and at this point, life was
useless to me as i have no family and no one to run to and each night, i will
sit down and cry till the break of dun until one day, i read an advert on yahoo
answers of man that stated that he could help people in my shoes with loans and
in my desperate situation, i had no choice but i had to try and so shocking and
suprising, it was like an impossibility becoming a reality, i got a loan of
$75,000 USD even with my bad credit within 48 hours and my sons surgery was done
and thank GOD it was successful and now, i am okay and living in comfort with my
kids and i said to my self, i have never ever seen this kind of wonder in life
and i decided i will tell it to the whole wild world and i need every one to
thank GOD for Mr Patrick Harvey, the man GOD used to rescue me and my family
even when all hope had been lost and gone and i will say to every one, no matter
how dark and sinful the world is today, there are still GOD fearing and reliable
people on earth and if you are in my former situation or require a loan
legitimately, i will advice you contact this loan lender and you can reach him
via patrickharvey12@yahoo.com and i want you all to pray for this man for me.
Are you frustrated in life? you think all is lost? No hope from any where? Well i have a good news for you all today, is a privillage that you met the right person. I'm a well known Man which every one knew me to be. My name is Micheal Lancer, i am money lender i assist people financially, because i think enough of all these bankrupt and montages I'm hearing. i want to prove my self to everyone at there. That not everybody are equal.
Just send us your personal details:
Full Name:……….
Contact Address:………
Phone Number: ……..
Country Code:………
Amount Needed: ………..
purpose of loan: ……………….
When to pay back:…………………
Hope to see your response via this mail address, micheallancerloanfirm@yahoo.com , micheallancerloanfirm@hotmail.com .
I am Joy Anderson i was in need of a loan of $100 000 USD and was scammed by those fraudulent lenders and a friend introduce me to Mr John Clarke,and he lend me the loan without any stress,you can contact him at clarkeloanscompany12@yahoo.com
I can help you mate . I have those valuable information documented .

you will not regret it ..

Thanks
a strong business plan which will prove to the bank that it will succeed having taken into account all the strengths and addressed the weaknesses
You will need a firm business plan with income and expenditure projections. There are people at the bank who can help you to draw up a plan.

usemyviews.com

ok im 18 im earning £500 a day (dont ask lol) and i have no idea what to do with it it keeps mounting up but i feel the need to spend it any advice thanks people
=]
If you do not know what to do with large amount of money then maybe you should give it up and work at Burger King or something anyway Grow Up Take Care and God Bless
If it's a burden give it someone poor who hasn't had a vacation in ages. LoL

Property is about to rise in value again. If it's good RELIABLE income — get a mortgage and buy a property. As you are making so much get a mortgage of just 10 years or so. Don't lumber yourself with a 25 year mortgage.
Trust me, in the long term real estate is always the best investment.

The other half of your money - save about $15,000 over the next 3 months or so (so you never have to wait for payday if you need money) then start spend that half on whatever you feel like (as your long term future is secured with real estate)

With that sort of money you could also get into investing in start-up companies (that have the potential to make a LOT of money) where you buy a slice of the company (equity percentage). But get professional advice on that before you start. You could hire a mentor who will share the profit from that 50/50 until you know what you are doing properly.

Just hording cash is dumb - you need to invest it.
Hooker/ Stripper?

Ok why don't you open up a RRSP saving account and put your money there? They add a interest rate to your money too so it'll grow.
Also you could get an apartment or house and rent it to poeple so this way you're investing your money and you're not the one paying for rent, the tenants are. at the end you have a apartment/ house. You can grow your money like this. Buy properties. Or you could buy shares.
If you are £1.8 million per annum, you need a financial adviser rather than someone on yahoo giving you advice. Due to the instability of the stock market, your investment options are somewhat limited. Investing in both Gold and also 'High End Investment Wine' make sense as Gold is and almost always is bullet proof to becoming a loss, and investment in wine is an emerging market with scope for some very healthy returns.
WOW that's a lot of money for a 18 year old man i wish i were you but anyways in my opinion you should divide it up. i think you should put half of it in the bank and save it try not to touch it so that way you will still be rich 20 years from now plus if something happens you will have something to fall back on. The other half i think you should use it to have fun lol i dont know buy yourself a car or go to college or idk jus live life with the other half but dont go to crazy make sure your priorities are straight like pay your bills and stuff …….. then go crazy lol
Motorbike!! Lol, sorry. If there's nothing major you want to buy I'd open up an ISA or savings account - that way when something big comes up (holiday, etc) you can afford it no problem and won't have to spend time saving.

Orrr…. motorbike!! Or anything else you're interested in - learn French, go to art class, buy a giant burger, shopping spree, drinking…
Save it,squirrel it away in your mattress.Do not tell anyone where it is.
I had a friend who buried $3000 in the ground ($1000 in three different places).He made a map of it and sent to his two daughters thinking they could come get it when he dies.When he went to dig one up a month later it was gone.He checked the other two places and that money was gone also.So one or both of his daughters came not to visit him but to rob from him.So he told family where it was and got burned.You could always buy gold with it but bury that too(hide it).
Think about something for you to invest in. How would you like to own a beautiful 32.5 acres farm in North Uruguay? Just 800 meters from the frontier with Brazil, in plain view of an incredibly unpolluted river, where the cost of living is about 1/3 of that in the UK. Along with the farm you get: a white, one owner, VW beetle with only 87,000 original kilometers.
First of all,use it for all the things you need in life such as food,house,car,stuff like that.And trust me don't live with you're parents.Invest it and use it for your college tuition.The reason why I said move out is because at the age of 18 you can start tappin.With that money just buy a nice car and go to a night club.You'll be tappin a lot.Tappin=*******=having sex
get a big house, buy a car, go out with friends - buy them drinks, give to charity, designer clothes, put away for pension, or for children to inherit, make-over your bedroom, buy lots of jewellery (watches, rings etc). Go out for evening meals, go clubbing/partying, throw parties!, there's loads of stuff!

wish I was that rich…! x) in fact, you'll probably be a multimillionaire in a few years!
get a savings account, you might not have that good of a job in the future, and its possible that eventually your going to need that money.
Hand some over here;)
What 18 year old earns £500 a day? Huh? What do you do?
Invest it in something that you can sell when it rains!
save save save whatever you cant spend, for a rainy day! lucky you 18…. also i always think if i had some cash i would buy a holiday home and then i could make money renting it out and have a getaway
dont just spend it willynilly, spend some and save some (boring I know) but when I was your age I wsas earning a lot and spent it all didnt save any and now I am skint and having to sell stuff I own to get by. Not good
make a home recording studio with the most expensive equipment…got to hawai,dubai,switzerland,usa,australia,en… life
Put it in a savings account. You may have children, grand children, nieces and nephiews one day, this will help them if you dont need it!
save up for something you really want or since you get a good income spend it like on the iphone or something cool and expensive
by a car, save it (smart), wen u graduate u can go 2 a great collage, by a house wen ur older, by jewelery, ANYTHING!!
My guess something like that must be illegal. But why spend….save for the future…wife, kids, their college, retirement. Save, save, save.
you could buy a holiday home, decorate ur house, buy a car, get a pet, go on holiday, give some to charity. Hope this helps!
a penny saved is a penny earned
Well, you could send some to me. Otherwise - put it in a savings account so you can gain interest or invest it.
You could spend some of it learning english. Ever heard of punctuation?
ME.
no, sponser a child, save the world!
or buy gold, it raises in value fast
buy a car, house, clothes, donate it idk lol :] buy a puppy!!!!!!
save sum and spend sum lucky.
buy your own house maybe 3
Give to charity
Buy eveything you ever wanted
Give it to me!

Save up for a car or something you have always wanted. Or you could go on a vacation with a loved one!
Save up for college, a car, house or something?
what job do you do ?
the adult industry heh? or do u sell wholesale?

well, put it in the bank.

I went to Kohl's Department store to purchase a pair of sneakers. When I was checking out the woman clerk at the register asked if I wanted to apply for a Kohl's card and I would save 15% on my purchase. The sneakers were $80, so I figured I'd hang around an extra 10 min, or so and save a quick $12.

Not being too overly bright and probably still half asleep on a Sunday morning, I was under the impression I was filling out (on the electronic keypad) a form for a courtesy card, like which is common in most supermarkets and other retailers. Well, after giving all the info and getting my discount, the clerk hands me a receipt saying I have a $900 credit line at Kohl's.

The thing is, I rarely if ever go there other than today and really don't need it. Should I keep the card anyway and just not use it, and will it effect my credit score in any way if I do keep it or if I get rid of it?

TY.
Con - If you later apply for a loan, it will count as an outstanding debt, because you have $900 in "potential " debt.

Pro- As it is s small amount, I'm guessing that you may not have much of a credit history. You can use it beneficially, by making several small purchases, and paying them off immediately at the first of the month. This will help your credit score, by showing on time payments. You could then close the account next year, after building your credit score. (you need to actaully call the number and close it, not just not use it, or it will still be counted as an active account.)
Keep the credit card and use it. but sparingly. Every time you spend on your card and pay it back in full, you gain better credit score. plus, inactive cards usually carry inactivity fees which are a real pain in the butt. if you're gonna pay anyway, why not get something for it?

is suitable for someone with learning disabilities, such as Dyslexia among others, and that doesn't require difficult to obtain skills like college or trade skill training before obtaining the job. (I.E. Carpentry, heavy equipment operator, CDL oriented drivers, Accountant, Laywer, etc)

Or is Mickey D's the only choice for the rest of their life?
There are organizations that will help find a job for them. It would depend on their disabilities. Talk to a social worker at your family and job services department.

How can I learn about the rules of the UK, and how I can be legitimate and good citizen if I start my own small business.!?
Get an accountant, at least for the first year. They will save you far more than their fee, and will tell you everything that you need to know. They will make sure that you claim for everything that you are allowed and will keep you up to date in all legal taxation changes etc.
Go to hmrc.gov.uk they offer lots of advice on their website or over the phone and do workshops and free training

Ok, the situation. I came to Peru for a women that was a failure relationship and by being extremely in love I didn't have that much money with me. So I don't have anything even to this day. I am working but not earning all that much and it is very stressful. Here are a list of differences that I just can't seem to accustom myself or get use to. I've been here for over a year now and I still can't seem to get out of the financial hole that I'm in. I only make $500 /month and my job wanted me (practically forced me) to open an account in the state to deposit my money. Now they are getting my residents here to work legally. Which is a good thing but I'm paying them $200 a month until I pay the whole 600 for my papers. The banking account they gave me charges me $10 every month because of not having $500 in the account. I've tried calling the bank, complaining to the person in charge here but nothing can be done about it. I've lost over $100 to bank charges.
I'm getting very impatient and feel that I'm not getting anywhere but into more debt with that stupid bank.

I forgot to mention.. I don't have anything in my room other then a small table, shelves and a bed. My cloths are still in my suitcases. My girlfriend tells me that I need to have more patience and trust the Lord.
You need to work on your numbers. With $500/per month, list down where your expenses go to. Cut down those nice-to-have but not necessary. You may not have $500 in the bank account each month but certainly you can save $50 per month and in 6 months' time you would have the minimum required $500 in your bank account and the bank will stop charging you the $10.
If you can't leave your job to find one with higher pay, I would say get a second job. Even if it's for one day on the weekend, that extra bit of cash might be enough to push you from struggling to saving. Even an extra $10 a week will be enough to take care of the bank fees and there would still be extra left over.
You are totally getting screwed over man. Sounds like a scam to me. Get out of there. Go to the embassy of the country you are from for help.
u could check out the song "let it be" by the beatles, that might help you learn to relax a bit