How To Lower Bills

Art8/2-9/30, The Gallery at Yahara Bay (reception 7-10 pm, 7/30, with music by Subvocal). 886-5432When: Daily until 09/30/10Call: 886-5432Web: yaharabay.comMore Information: The Gallery at Yahara Bay Hosts Second Annual Union Cab Art Show Artists who belong to the worker cooperative Union Cab of Madison will show their work at the Gallery at Yahara Bay (3118 Kingsley Way) August and September of 2010. The second annual Union Cab art show includes repeat artists and some new additions. Seven Union Cab members will participate. Work will include photography, collage, glass, acrylic paintings, and pencil drawings. An artist reception will be held Friday July 30 7-10p.m. The Gallery's regular hours are Monday-Friday 9-5p.m. Contact: Kristin Forde 886-5432 Artists: Ron Esser I have been working in the hot sculpted glass since 1979, inspired by the tradition of glass making and the organic forms all around us. Sculptural forms and a handblown approach to art glass that marries brilliant clear crystal in a clean modern style. ‘Letting glass be glassy’ speaks to individuals on many levels. Highflyer #13 Christopher L Hollister Started at Union Cab 8/04 Primarily drive cab to satisfy my bills, and live. Dabble in the arts to feed my soul.I've been practicing art, for as long as I can remember. There were a few short dry spells,where I didn't practice visual arts, but dabbled in music, theatre, or other creative endeavors.I studied Studio Painting and printing at St. Cloud State University in Minnesota, and finally graduated 98' with a BS in the Graphic Arts from VIterbo College, In LaCrosse, WI. My art has progressed back and forth between photo realism, surrealism, primitivism, whimsy,conceptual art and semi-abstract expression. Currently, I'm working on an idea, which is derived from the accidently art of graffiti removal,or cover up. Last summer, while out on a night time photography excursion, I discovered some of these instances, and framed several shots, which have become the subject, I wish to explore. Kathrin Köhler's usual form of creative expression is the written word. She received her BA in English Literature with an emphasis in Creative Writing from the University of Wisconsin â€" Madison. She customarily writes poetry, but has recently adventured into short fiction. Despite her love of language, Ms. Köhler believes some emotions and experiences are better communicated visually, and that some emotions are sub-verbal, and can therefore only be satisfactorily communicated non-verbally. Ms. Köhler has no formal training in the visual arts. She enjoys exploring the learning process organically through trial, error, and observation. Emilio Lanier As far as I can remember my favorite activity was drawing. I drew all the time, especially cartoons. Manga and animation by Walt Disney were popular at the time. By high school and college years I was doing comic strips and political cartoons for school newspaper. At UW my works appeared on Cardinal and Herald. I was headed to become some type of artist. But studying art was not a simple path. At classroom, classical art was taught which emphasizes copying world around you. Outside classroom, artists were flinging paint at the canvas. Even Elephant was painting “art.” Art became a concept. I could not relate to that. Art was some thing I did and I was good at it. But my true interest was in flying machines during my teens. As a teenager I built many flying model airplanes. I was curious how the real thing was built. And, that led me into career as a design engineer for 20 years. But, throughout I kept my pen and paper always near by. After all it’s a part of me that is still in progress. I experimented with color and form during 2000. Color work was done out of doors with oil and canvas, and form was done with Black and White medium format photographic equipment. Printing was done by me. I studied Black and White photography under West Cost masters by attending many or their workshops. Mel Marcum Most of what I do/have are collage pieces, some with messages and/or poetry. I also do some bead work and a little painting; there might be one or two small pieces of those. AD Martin Jeremy Parker Way back in ye olde 1977, a book mobile swerved to avoid a dinosaur crossing the street and collided with a semi-truck full of camera equipment. Jeremy Parker sprouted fully-formed from the resulting toxic inferno. Since then, he has been haunted by his dual nature of writer and photographer and is ruled by his misguided attempts to unite this dichotomy. He currently lives in Madison, WI with his fiancée, Jacquelyn and his son, Ethan, who believe Jeremy was born in Indiana to lower-middle class blue-collar laborers. Shhhh. Jeremy will display a recent batch of digital photography, concentrating on candid portraits, dramatic depth-of-field, and geometric patterns and textures with very long names Fred Schepartz Ingrid Frances Stark I will make art out of anything that holds still long enough. I will put celtic knotwork on anything. Combine those two, added to a philosophy of reuse, recycle, and upcycle and you have a detail-rich eclectic style. Our culture wastes so much material; clothing,jewelry,hardware,furniture, food, you name it; We have heaps of landfill everywhere you look. I try to use things that others have discarded, in ways that were not the original intent of the object. I hope my efforts will reduce the garbage in our world by even a little bit.

United Indians of All Tribes Foundation - Native PTAC proudly presents theAnnual Native American & Veterans Business Conference & Trade ShowJoin us for the Native Alliance and Veteran Business Conference and Tradeshow, itwill be held September 8-9, 2010 at the Tulalip Resort Hotel & Convention Center in Tulalip, Washington. Open new doors to your share of the government marketplace by attending or exhibiting at this information-packed small business procurement conference intended to create an effective outreach environment for all small businesses! Through networking, workshops and exhibits, attendees of this conference will make lasting connections leading to business development and strategic partnerships in the pursuit of the millions of dollars in federal government contracts awarded to small, Veteran and Native businesses.Who Should Attend/ExhibitSmall businesses new to the government marketplacegain new skillsSmall businesses familiar with the government marketplaceexpand opportunitiesVeteran Owned businesseslearn about new initiatives and programsPrime contractorsfind new partners and strengthen existing onesTribeslearn techniques to leverage existing programs to increase revenuesFederal and state government agenciesoutreach to new marketsAgendaSeptember 8, 2010Vendor registration andset up 1pm-6pm3:30pm- 5:00pm Leveraging Tribal Assets- Patrick Curry, Blackfeet, CPAThis session will discuss the use of grant monies for economic development. Compliance tracking and accounting methods. In addition, the tax benefits for on-Reservation work (to draw non-Tribal businesses to reservation)Ideally suited for tribal leaders6:30pm- 9:00pm ReceptionsWelcome and Introductions- Daucey Brewington, Native PTACMike Gregoire, Washington State First GentlemanComments: SBA, BIA and WA Dept. of Veterans AffairsExhibition of Native Culture- Tsimshian Haayuuk Networking opportunitiesSeptember 9, 20106:30am-2:00pm Registrations6:30am-8:00am Vendor Set up7:30am-8:30am Buffet Breakfast 8:30am-9:00am Welcome and Opening- Daucey Brewington, LumbeeColor Guard, Tulalip Veterans, Mount Lake Terrace American Legion Post 2349:00am-10:00am "Fraud in Department of Defense Contracting" Carla Brown, Special Agent, NCISWhat is considered a criminal fraud violation under a government contract? What are the differences between dealing with private commercial employees and government employees? This course will answer these questions and provide a break down on "fraud, waste, and abuse" in the Department of Defense contracting arena.10:00am-10:15am New Realities within Indian Country- Conrad Edwards, Colville Tribe, CEO, Council for Tribal Employment Rights10:30am- 11:45am Breakout SessionsChinook 1. Government 101 SBA, Native PTAC Diana Drake, Lead Development Specialist, Jessica Morales, Business CounselorLearn the how to of government contracting from the standpoint of the SBA and from a small business owner.Chinook 2. Government Agencies Panel- This panel will discuss how to do business with their agencies.Bureau of Indian Affairs, Anne Jennings, Office of Indian Energy & Economic DevelopmentUS Army Corps of Engineers-Carol McIntyre, Deputy for Small Business ProgramsUS Army Corps of Engineers- Mark Roush, Associate DirectorNUWC Keyport-Diane Kostelecky, Deputy, Small Business ProgramsNAVFAC- Steve Shapro, Deputy, Small Business ProgramsSound Transit-Greg Mowat, Project Labor Agreement Specialist, Diversity ProgramsChinook 3. Subcontractor Academy- Skanska, George Hanible, Community Program ManagerThis session will explore the various aspects of being a subcontractor. Training requirements, training availability,duration challenges and rewards.Chinook 4. Veterans Business Outreach Center-Linda Jadwin, COO, Community Capital DevelopmentLearn about programs specific to veterans; both long term and newly transitioned veterans. Discussions will include programs for service disabled veterans; requirements and certification process.12:00pm-1:30pm Lunch Program, Honoring CeremonyOpening Comments, Daucey Brewington, Lumbee, Introductions and Recognition of SponsorsKeynote-Lt Gen Donny Wurster, Commander USAF Special Operations Command Honoring Ceremony and SBA Presentation, Diana Drake1:30pm-3:00pm Breakout SessionsChinook 1. Prime/Subcontractor Relationship:Expectations from both viewpoints, performance, payment, support,How to approach a prime, how a prime evaluates a sub, how a sub evaluates a prime.Prime ContractorsAdvanced Technology Construction, Tony Sieger, President, Service Disabled Veteran Owned BusinessLease Crutcher Lewis, Tony Johnson, SuperintendentEJB Facilities, Barb Cooper, Small Business LiaisonNOVA Group, Carole Bionda, Vice Pres./SBLOAbsher Construction, Stephanie Caldwell,Community Outreach CoordinatorChinook 2. Tribal ARRA Projects /TERO Working within tribal government structures.Tulalip Tribe-Teri Gobin, DirectorPuyallup Tribe- Ronice Goforth, DirectorLower Elwha Kllallam Tribe, Sandy Johnson, DirectorQuinault Indian Nation, Rod Johnson, AdministratorWashington & Northern Idaho District Council of Laborers, Sherry Barry, Quinault, Tribal LiaisonInternational Union of Painters & Allied Trades, Chris Winters, Muscogee/Creek, Tribal LiaisonSound Transit, Greg Mowat, Project Labor Agreement SpecialistCouncil for Tribal Employment Rights, Lee Adolph, Colville, Director of Field OperationsUS Department of Labor Office of Apprenticeship, Anne Wetmore, State DirectorLabor & Industry Apprenticeship, Melinda Nichols, Program MangerChinook 3. Womens Business- Manuelita Ybarra, DOL Womens Bureau, Jill Paull, Squamish Nation, Island Green CleanDiscussions of challenges facing women business owners.Chinook 4. Employee vs. Independent Contractor-Lisa Cole, Lisa Cole & AssociatesHow to decide, how to report, recordkeeping, financial systemsBreak3:30pm-4:30pm Government Contracting-Town Hall MeetingThis group consists of large primes, small business, government agencies, state agencies.It will be a town hall format. Short presentation then Q & A of interest to the attendees.Prime Contractors:Absher Construction, Stephanie CaldwellAdvanced Technology Construction, Tony SiegerLease Crutcher Lewis, Tony JohnsonEJB Facilities, Barb CooperSound Transit, Greg MowatSBA, Diana DrakeTribal BusinessPOWTEC, Bill Cole, PresidentNisqually Aquatic Technologies, Dennis Lucia, General ManagerJKT Development, Jamestown SKlallam Tribe, JR Lunsford, PresidentAgyxxi Business Solutions- Juan Echevarria,Tulalip Tribe, OwnerTerra Firma II Inc., Mike Giomi, Walker River Paiute Tribe, Owner4:30pm Closing Remarks --There will be cards available throughout the conference for attendees to list their questions. The panel will review these and provide answers. Questions will also be taken from the floor.Save the Date- September 13-15, 2011Tulalip Resort Hotel & Convention CenterPhone: (888) 272-1111Mention United Indians or Native PTAC for conference rate!

Google Seminars for Success: Google AdWordsLearn how to run a successful Google AdWords campaign and get the greatest return from your AdWords budget.Google Seminars for Success are officially sponsored by Google ensuring you get the best, most accurate and up-to-date training available.Join us for the most comprehensive Google AdWords training available, from the basics right through to advanced setup and account optimization.Need advice on which days to attend? Email info@mangoldsengers.com or call (02) 9960 6577.UPDATED! Using the new Google AdWords interface.Day 1: Google AdWords, Thursday 9 September 2010Learn the best ways to setup and structure your AdWords account.9:30am - 10:00amRegistration10:00am - 12:30pmMorningIntroduction to Online Advertising About Google AdWords Google AdWords Features Setting Up Your Account Creating Your Campaigns Understanding Your Statistics12:30pm - 1:30pmBreak1:30pm - 5:00pmAfternoonDeveloping Keyword Lists Measuring Ad Performance Optimizing Your Campaigns Using the Google Network Billing and Reports Questions and AnswersDay 2: Google AdWords Advanced, Friday 10 September 2010Optimize your account and drive a higher return from your budget.9:30am - 10:00amRegistration10:00am - 12:30pmMorningGoogle AdWords Terminology Intermediate Optimization Techniques Keyword List Optimization Best Practices for Success How to Self-Diagnose Common Issues Evaluating Ad Formats12:30pm - 1:30pmBreak1:30pm - 5:00pmAfternoonUsing the Google AdWords Editor Understanding ROI Additional Bidding Options Managing Accounts Landing Page Optimization Questions and AnswersLooking for Google Analytics or Google Website Optimizer training? View our scheduleWho Should Attend?Non-technical and technical people in marketing, sales and web development with responsibility for managing AdWords and improving AdWords results. Past attendees include corporations, SMEs, government and non-profits.What Are The Benefits?Improve your AdWords campaigns, including your Return On Investment (ROI). Increase conversions for leads and e-commerce goals. Lower your average Cost-Per-Click and improve your overall results.Key Seminar Outcomes:Drive a Higher Return On Investment (ROI) for your AdWords BudgetEffectively Target your Ads to the Best Visitors and Potential CustomersCreate Compelling Ads Specifically for your Target MarketsApply Best Practices for Account Setup and OptimizationWhat is Included?$50 Google AdWords CreditUSB Thumb DriveSeminar HandbookSeminar SlidesGoogle SchwagLight LunchInternet Connection Attendee Feedback:"I've left the course hugely inspired, with a range of ideas which I'm keen to implement ASAP." Sumi Triggs Olsen, CPA Australia"Well worth going. I will be looking for more courses offered by Mangold Sengers." Mark Azzopardi, MAA Consulting"Ben's professional handling of the presentation allowed for important exchanges of ideas, yet kept the course on track." Geoff Tripp, Basketball Australia"Getting the ability to question an accredited Google consultant whilst still getting an objective view was invaluable." Stephen Scott, RMIT University"Ben, our trainer was very thorough and had excellent communication skills. I thought that I would get lost in the technical "stuff" but I felt confident both days and know that I can now apply the skills that he taught us." Cheryl Cattarin, Bronx InternationalSeminar Leader: Benjamin MangoldBenjamin Mangold, is the first Seminar Leader certified by Google outside the USA to present Google Seminars for Success. His training and consulting services are in demand by corporations, government, non-profits and SMEs. His reputation is built on his ability to improve online marketing results with Google enterprise products. He is a Google certified expert for Google Analytics, Google AdWords, Google Website Optimizer and Google Urchin Software.Need advice on which days to attend? Email info@mangoldsengers.com or call (02) 9960 6577.

. . . . Monetize and Grow Your Meetup Workshop In this workshop we will take you step by step to actually build and/or grow your meetup both on and off line. And then we will not only show you, but help you to fill in all the missing pieces with the Best and Latest techniques of online business. This is a joint event with The San Francisco Webeneur Meetup Group. This type of Workshop generally costs $800-$1200 You are getting a special deal on it all for just $97!!! People wishing to join this monthly event on an ongoing basis will receive an even lower rate. This is a half day monthly event. It starts at 10:00am BE ON TIME and be prepared to stay to 5pm. The day will begin with an overview of how the workshop will function. We will then break into groups and work directly on your meetup. If you decide to come to this monthly event on an ongoing basis you will gain the benefit of the group getting to know you and your meetup, thus being able to help you more and more over time as your meetup grows. In this workshop we will take you step by step to actually build and/or grow your meetup both on and off line. And then we will not only show you, but help you to fill in all the missing pieces with the Best and Latest techniques of online business. � Ideal for Novice or Experienced organizers � Receive professional input on your meetup from people who have already done it � Learn how to best use the organizer tools provided by Meetup.com � Save years and thousands of dollars by NOT having to figure it out and do it on your own. � Work in groups with other organizers all helping you build your business You must pre-register for this event. It is limited to only 10 participants. About Bill Bill Ayers is the organizer of the San Francisco Webeneur Meetup, owner of Webeneur.com and MobileWorldCitizen.com. His meetup has been chosen by American Express and Meetup.com as one the Top 50 Business Meetups. Bill has also been selected as the organizer of the week by Meetup.com On top of that Bill is a 15-year veteran entrepreneur with experience in Marketing, Advertising, Sales, Sales Training, Event Promotion, and Entrepreneur Mentoring. For the last 3 years he has focused on web based businesses. He is the author of IMPULSE! - Selling and Persuasion made fun and easy. Bill has trained hundreds of successful sales people from complete novices to highly experienced veterans of sales. Over the years, Bill has started, sold, and survived several different businesses. Bill�s current goals are: � Sharing his knowledge with others who want to be Mobile World Citizens � Building concentrated mobile income and passive mobile income � Traveling and blogging about his experiences � Connecting with other Mobile World Citizens Learn more about Bill at www.WilliamAyers.com . . . This type of Workshop generally costs $800-$1200 You are getting a special deal on it all for just $97!!! People wishing to join this monthly event on an ongoing basis will also receive a lower rate. � Learn how to Start and Grow your meetup on and off line � Increase the Growth of your meetup � Learn short cuts from experienced organizers You must pre-register for this event. It is limited to only 10 participants. � Leave with a custom plan to Monetize and Grow your meetup � Grow Your Meetup Faster and With Less Risk. Start moving with your meetup - Start creating a team to help you. Talk to you soon, Bill P.S. It�s time to take charge of your business and your life. Create more income for you and your family. To learn more about Bill go to www.WilliamAyers.com .

Concept to Cash Flow All Day Workshop Easy steps to start and grow your business online Ideal for Novice or Beginner Webeneurs and Entrepreneurs � If you do not have an idea for a business yet we will help you find one! � If you have an idea we will help you grow it! The day will begin with an overview of the Concept to Cash Flow system. We will then break into groups and work directly on your business using this proven system. This is an ALL DAY monthly event. It starts at 10:00am BE ON TIME and be prepared to stay to 5pm. This type of Workshop generally costs $800-$1200 The SF Webeneur Meetup group is getting a special deal on it all for just $97!!! If you decide to come to this monthly event on an ongoing basis you will gain the benefit of the group getting to know you and your business thus being able to help you more and more over time as your business grows. Plus, you will receive a discounted rate. In this workshop we will take you step by step to actually build and/or grow your business both on and off line. And then we will not only show you, but help you to fill in all the missing pieces with the Best and Latest techniques of online business. � Ideal for Novice or Beginner webeneurs and entrepreneurs � Receive professional input on your business � Save years and thousands of dollars by NOT having to figure it out and do it on your own. � Work in groups with other entrepreneurs all helping you build your business You must pre-register for this event. It is limited to only 10 participants. About the facilitator Bill Ayers is a 15-year veteran entrepreneur with experience in Marketing, Advertising, Sales, Sales Training, Event Promotion, and Entrepreneur Mentoring. For the last 3 years he has focused on web based businesses. He is the organizer of the San Francisco Webeneur Meetup, owner of Webeneur.com and MobileWorldCitizen.com. He is the author of IMPULSE! - Selling and Persuasion made fun and easy. Bill has trained hundreds of successful sales people from complete novices to highly experienced veterans of sales. Over the years, Bill has started, sold, and survived several different businesses. Bill's current goals are: � Building concentrated mobile income and passive mobile income � Traveling and blogging about his experiences � Sharing his knowledge with others who want to be Mobile World Citizens � Connecting with other Mobile World Citizens Learn more about Bill at WilliamAyers.com This type of Workshop generally costs $800-$1200 The SF Webeneur Meetup group is getting a special deal on it all for just $97!!! People wishing to join this monthly event on an ongoing basis will also receive a lower rate. � Learn how to Start and Grow your business on and off line � Increase the Growth of your business � Stream line your business for more cash flow � Learn short cuts from experienced entrepreneurs You must pre-register for this event. It is limited to only 10 participants. � Leave with a custom plan � Grow Your Business Faster and With Less Risk. Start moving with your business - Start creating a team to help you. Talk to you soon, Bill P.S. It's time to take charge of your business and your life. Create more income for you and your family. WilliamAyers.com

i had to apply some of mine and my sons medical bills to a couple of credit cards to avoid collections(a lovely ppo) so i used the lowest interest rate cards and now im looking to down size the cards to at least half with some extra funds my husband will be getting from overtime. how long will this take to show on the credit reports and update the scores since the balances leave little available credit and were looking into buying a home. and need to lower the debt to credit ratio.

Answer: Credit reports are updated monthly. So one month after you make your payments, your reports will show the decrease in your credit card balances. Depending on many factors, such as how much you will be paying off, how much your limits are, and how complex your credit history is - your score could jump significantly. Whenever people pay off a large amount of unsecured current debt, their score gets a good boost. Congrats on getting rid of at least some of that debt.

My fiance is a pretty decent guy - he just has absolutely NO motivation to do anything with his life. He even flat out told me he has no goals in life other than to get married and have kids. He as a decent job, but its definately not a career. It is in the automotive industry, particularly the sales end of it. With the economy the way it is, (and it not getting any better) I feel that he should have a Plan B in case something were to happen to his current job. I also am thinking of the future. Ideally, I would one day like to have children (and so would he) - given that we could afford them. I am currently working on my PhD so that I can obtain a higher paying job to make a better life for us, and children should be have them. My fiance however, is just settling in his job in my opinion. I feel like he doesn't want to do anything to better our lives. He wants to stay in his current job because he likes it - although it doesn't offer medical or dental insurance, 401K, or retirement. He gets paid half salary half commission, AND sometimes is shorted on paychecks due to low sales numbers for the week. I just don't see how this is "an ideal job" - benefit wise & future wise EVEN if you like your work. He says that he hates school and doesn't want to do it. He doesn't want to go though any type of education to better himself. He says he doens't like it, it would stress him out, and he doesn't have the time. (yet I manage to work 55hrs / week AND take a full load of classes at school) - meaning I know he could make it work with his schedule. I understand that college isn't for everyone - but now days to live a comfortable life, having a college degree is almost as much a necessity as air. Personally, if I could live a comfortable life and not have to go to college, I wouldn't be going - but I realize that in order to make a better life for US (especially if we have children) this is what I have to do. Why doesn't he feel the same need to try to make a better live for us? I'm not asking that he be a doctor or rocket scientist or something, I just want him to have a stable career and not JUST a job. I don't want to have to worry about pinching pennies or not being able to afford bills when we are older. I want to be able to retire one day and live comfortably until we die. I want to be able to have children and be able to give them a good life, and give them all the things we never had - is that such a bad thing? Is this being selfish or unreasonable to want him to help make a better life for us as I am doing? Any ideas or thoughts? It's not about the money, I'm not wanting to be a millionaire, I'm wanting to be STABLE financially and not have to scrape through life barely making ends meet...especially if we have children.

Answer: How can he convince you that life the way it is is just fine? He wants to know if it's unreasonable for him to not want to have to change a thing since he likes life the way it is? The simple plan is you go and make something big of yourself and make enough money to live comfortably on while he remains the same. You make the comfortable living, why does it have to be him? Maybe you could consider making enough so he could be a stay at home dad while you work, many families are doing such things now a days. It's not uncommon for one to be the bread winner while the other stays home, no rule that it can't be the woman making the great living. The other plan is to see if his never changing is something you can live with. If you want a man who has drive and ambition than he is not the right guy for you. That is a huge part of who he is and not easily changeable. Could he change you into being like him? Of course not and you can't change him into being like you. I once loved a man who wanted a very different life than i wanted. I realized i'd never be happy and constantly fighting with him to live the way i wanted. So we ended it. I ended up finding a man i loved even more and who wanted a life like i wanted and we've been very happily married ever since. :) It was worth the heart break with the first guy to find my forever guy!

My husband was sick with some flu like virus a few days ago, but for a month before that his right eye got all red and puffy with what looked like pimples. (Really sorry if this is TMI) It's not on his eye or anything but the baggy part that turns dark if you don't have enough sleep where this happened. He popped what he thought were the pimples, but it got all red and swollen underneath and people have been noticing it which makes him upset because if it's acne it's embarrassing for him, which is understandable. But, then he got the flu and his eye looked like crap even more and more people were coming up to him and asking what happened to your eye? He looked in the mirror and saw how bad it was, it literally looked like someone had punched him and it swelling by the cheek and lower lid. Something made him look at his actual eye ball and the bottom part of it (not the mucus-y pink part on the lid but the actual ball) was turning yellow. He doesn't know if he could have jaundice or not, because he doesn't do anything that would ruin his liver, and he said jaundice can be caused by someone who has been sick with the flu, but that was a week and a half ago almost and his eye is still yellow! We noticed it three days ago (Wednesday night) and it's still there. What else could it be? I want him to go to the doctor but he has a medical bill out already that he's still trying to pay off and he doesn't have insurance and we're broke. That's why I am asking. Please no rude comments or anything, thank you!

Answer: Your husband obviously has a health problem which, if not treated, could become very serious. Thanks to Obamacare, even before it's initiated, is causing millions of Americans problems when they try to seek health care. Take him to an ER. They have to see him whether he can pay or not. He needs to be seen.

I just got a used car from a small dealership. The price of the car was 3995. I had to finance the car because I didn't have the cash on hand. I put 500 down and they told me that they would try to lower my interest rate. They said they couldn't and now I have an interest rate of 33%. They also asked for another 500 in two weeks. My car payments are 220 a month for the next 23 months. My friend told me to pay it for 6 months and than just pay the rest off. I can't afford this plus 300 insurance. How can I pay this car off before my two years that way I can get rid of this bill?

Answer: Just pay extra like i do ur payment is $220 if u pay $300 a month thats an extra $960 a year thats almost 5 extra monthly payments that year if u pay $250 thats 1 and a half payments a year. I got a 5 year loan on my car my monthly is $272 the least i ever paid is $300 thats 13 that adds up 2 one extra payment a year but when i got extra money ill pay $400 or whatever. Basically if u pay more than the $220 a month u will pay it off early how early depends on how much extra u pay each month.

Tyler Smith has worked in an upholstery shop for 10 years. Last year, Tyler’s wages were $20,000. Lately, Tyler has been unhappy with the shop’s owner. Convinced that he could run an upholstery shop that did better work at a lower cost, Tyler decided to go into business for himself and opened CLASSIC UPHOLSTERY SHOP. He started the business by investing $20,000 of his own funds into the business, a sole proprietorship. To get the business going, Tyler decided to invest heavily in advertising. He spent $6,000 on advertising aimed at consumers and another $2,000 on advertising aimed at getting work from interior decorators and interior design stores. Tyler also purchased industrial sewing machines costing $4,000 and other tools and equipment costing $3,000. He estimated that the sewing machines can be used for about 5 years before maintenance costs will be too high and the machines will need to be replaced. The other tools and equipment are not as durable and will have to be replaced in 3 years. At the end of the first year of business, Tyler had received $80,000 in cash from customers for upholstery work. Tyler was owed another $2,500 from customers who are not required to pay cash, but are billed every 30 days. A review of Tyler’s checkbook shows he paid the following expenses (in addition to those mentioned previously) during the first year of business: Upholstery fabric $40,000 Other supplies 10,000 Wages----part-time assistant 9,500 Rent 4,800 Insurance (2-year policy) 3,200 Utilities 2,500 Miscellaneous expenses 1,700 Tyler’s utility bill for the last month of the year has not arrived. He estimated that the bill will be approximately $320. Tyler keeps some stock of upholstery fabric in popular colors on hand for customers who do not want to wait for special-order fabric to arrive. At the end of the year, about $14,000 of the fabric purchased during the year was in his store stock. In addition, $2,300 in supplies had not been used. HOW MUCH PROFIT DID TYLER MAKE IN HIS FIRST YEAR OF BUSINESS? (Hint: Prepare an Income Statement!) DO YOU THINK IT WAS A GOOD IDEA TO OPEN THE UPHOLSTERY SHOP, OR WOULD TYLER BE BETTER OFF WITH HIS OLD JOB?

Answer: Add cash and Accts. Rec. to get total revenues.Subtract expenses from this. Epenses are: Advertising One year's depreciation for the sewing machines and tools. Cost of Goods Sold (Fabric cost minus fabric stock on hand) Supplies (Supplies cost minus supplies stock on hand) Wages Rent Insurance (for 1 year only) Utilities (make sure you add the bill for the last month) Misc. Expenses Once you subtract expenses from revenues, you have Net Income or profit. If the net income is close to what Tyler made in his previous job, it was probably a good idea since the business should grow in the future. What was not included in this problem is the employer taxes that Tyler would have to pay on the employee's wages and the self-employment tax that Tyler would have to pay for himself. This should also go into the decision if this was a good idea or not.

Between 4.5 million to 5.5 million students annually are insured by short-term plans sponsored by their schools, which are tailored to upperclassman who have aged out of their parents' coverage or to international and graduate students. These plans are very low cost because the benefits are designed for generally healthy young people and often organized around campus health services and academic medical centers. All of which means these plans aren't likely to qualify under ObamaCare's "minimal essential coverage" rules that mandate rich benefit packages, even if colleges have the flexibility to make exceptions for special needs. And given that insurance must now be sold anytime to everyone, colleges may be required to continue to cover students after they've graduated—leaving this type of coverage unaffordable. It doesn't help that the regulations governing student health plans are as carelessly written as the rest of the bill, and the uncertainty is holding up insurance contracts and plan design for the coming academic year. Not surprisingly, the colleges are asking federal regulators for a blanket ObamaCare waiver. (Can everyone else apply too?) All of this is no accident. The liberals who wrote the bill despise these campus health plans because they think every plan in the country should be designed in Washington and have been calling for a regulatory crackdown for years. Other Democrats probably had no clue about these rules, even as they voted for a bill that was so large and convoluted that no one could truly understand it. Either way, count this as another of ObamaCare's really futile and stupid gestures, with many more to come.

Answer: he did not repay his young supporters.

Im spending 0.50 pounds in electricity only with Pc on my house.Its to mutch?How do i lower the bill of electricity , i need to use pc for my work but dont want to work just for paying electricity of pc. My Electricity its with a pre paid card that you need to go to the shop and charge with money. I made that test yesterday unplugued all devices and left only pc on for 5 hours,0.50 pounds i dont think a pc waste so much energy think it is any problem

Answer: Change your landlord because when winter comes your electricity bill will be through the roof. I take it you don't have a refrigerator, TV, or Immersion heater. These will all be using the Electric the TV especially unless it is unplugged (they use plenty of electric on standby).

Because 2 years ago he was a GOD among men, people were dazed at how he was going to save us all. Now he has a lower approval rating then Bush did at his worst. He made the recession worse and now it is double dipping. He is shoving unread bill though congress that the majority of people don't support. He is racking up an unheard of national debt that our great grandchildren will still be paying off. On a side note, do you feel foolish yet for falling for his scam, do you? Yes he did move troops out of Iraq. But guess what, he is moving them all to Afghanistan. Is that an improvement? NO! And oh yeah healthcare is so grand I am literally a bundle of joy when I think of the 200% tax increases on their way for 2012. Don't be such a tool. If you don't think the recession is double dipping then you need to go look up some of the latest info on that, STAT.

Answer: not so much trickery..it's the stupidity of half of the American people who voted for a community organizer/marxist..they believed the outright lies and deceit

I'm 23 years old and weigh 240 lbs. I am 5'3. Now, I will say, I carry my weight fairly well. Most people are surprised if I tell them my weight or pants size (18). I visited a friend a few months ago who is extremely health conscious. She buys all organic, non processed, low fat/sugar foods. I stayed at her house eating her food for 3 weeks...and lost 12 pounds. I dont really excercise. (Unless you count chasing kids around at my home daycare excercising.) Now, heres the issue. I want to lose weight. I dont want to be a certain size or weigh a certain number, I just want to get healthier. My fiance is also overweight, and I feel like we dont help each other. The problem is that we are broke. Im always behind on every bill, never have enough money for gas, and am barely putting food in the house. So the food we do eat is bad. Ramen noodles, 88 cent banquet dinners, mac n cheese, etc. I also work nights at a restaurant and tend to grab a burger or something there because its free. We applied for food stamps to help us until we can work out this job situation (which we should qualify for) but we wont know until the end of September. I want to start losing weight now! I cant afford the gym, I'm embarrassed to run in public, or to excercise period in front of people. The fact is, I am completely happy with myself the way God made me...I'm not happy with the way I made me. We are planning on starting a family and I dont want to bring my children into the world setting them up for failure with 2 overweight parents. Advice, as well as grocery list suggestions would be awesome!!!

Answer: When you are losing weight, you should exercise and diet together. If you exercise without dieting, you will get bigger appetite, which will lead to increase of weight, or muscle grow underneath the fat layer, and make you bulkier. If you diet without exercising, you will become flabby and will have excess skin. For diet, go wheat free. No pasta, pizza, bread and so on. And no food after 7 p.m. People achieve marvellous results with it. Depending on your initial weight, you can drop upwards from 20 pounds a month. If you don't eat wheat then you don't eat all those sticky, fatty goey cakes, you don't eat junk food, and you don't eat biscuits. But your diet is still balanced. It costs nothing, and you do not have to calculate points or to buy special meals or plans. For exercising, start with walking, and then switch to running/jogging. Running is the most efficient and calorie-burn exercise ever. If you are overweight a lot, walk first or you may have health complications (heart attack, disjointed bones and so on). Weight lifting is a good means to target your problem areas for men and women. It's not necessarily to become a bodybuilder or even join a gym - a couple of dumbbells will help you to target your problem areas (stomach, butt, legs, arms, chest).

I haven't job-searched before. I'm 20 years old, a colleges student living on my own. I am not allowed to do heavy lifting due to a bulging disc in my lower back and two in my neck. I left home because of an abusive situation and have no ties to family. I do work on campus jobs, and they are 7.50 and 7.65 an hour, yes they work between my class schedule but they don't help pay rent, bills, etc. I don't know how to start a job search. Any advice would be greatly apprecaited.

Answer: education.mypressonline.com - I found such internship info here. It has lots of internships, job openings and scolarships for college students.