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State Illinois
Legal status
Allowed (Our partner lenders provide payments in Illinois)
Loan amount limit lesser of $1000 or 25% gross monthly income.  Payday installment loan lesser of 22.5% gross monthly income or $1,000.
Loan terms 13 to 120 days. Payday installment loans 112 to 180 day terms.
Finance rates $15.50 per $100, plus a $1 verification fee
Finance charges $15.50
Maximum APR (Annual percentage rate) 403%

2518 College Avenue, Alton, IL 62002

Illinois

Alton

1239 Sandy Hollow Road, Rockford, IL 61109

Illinois

Rockford

300 W Fairchild Street, Danville, IL 61832

Illinois

Danville

6029 N Lincoln Avenue, Chicago, IL 60659

Illinois

Chicago

2949 11th Street, Rockford, IL 61109

Illinois

Rockford

211 S Larkin Avenue No. Centre, Joliet, IL 60436

Illinois

Joliet

2324 W War Memorial Drive, Peoria, IL 61614

Illinois

Peoria

306 W Fairchild Street, Danville, IL 61832

Illinois

Danville

1700 Parkway Plaza Drive No. 2, Normal, IL 61761

Illinois

Normal

100 E Jeffery Street, Kankakee, IL 60901

Illinois

Kankakee


Frequently asked questions about best in Illinois credit loans

  • With most banks you need a minimum credit score of 620 to qualify for a mortgage. Expect to pay about 3 points (or 3%) to get a loan. With a credit score 720 and above you get the best rates.
  • The higher the better. FHA requires 580 but lending institutions are allowed to require higher. Also with lower scores interest rates are higher. Mortgages can be had at 650 with high interest, but to get a great interest rate one would need about a fico score of 750.
  • I bought a 2004 intrepid at Gateway chevy, and my credit wasnt that great, and I refused to have a cosigner so the sales man said that was ok but did I know anyone that could sign a waiver that would up my fica score from 500 to 700 points in order to get the 5.9% financing. I said yeah my mom would. well when the salesman met with my mom in the hospital, drugged up also from medication, and she is also 83 years old, he got her to cosign for the loan. I didnt know this until 2 months later when i was arrested at my moms house for criminal tresspass when I was living there for 2 months. the alsip police towed my new car back to the dealers and I was placed in jail for 5 months, due to criminal tresspass, and they were also looking to file an idenity charge on me but it never happened. my neice who also lived in my moms house, was the one who filed the charge of criminal tresspass. I lost my Job, my car, all my furniture that I had in storage from the sale of my home. how long do I have.
  • Listen, you need prepaid legal immediately. We cover pre existing events, plus they will restore your identity because you will spend over 500 hours restoring yourself, and that is if you know how. You should do this immediately. If you signed up this morning, you can contact a lawyer this afternoon. Let me know and we can get you signed up. For both identity theft and prepaid legal it is $35.95 and we have the top lawyers in each state as well as working with Kroll Inc for identity theft. Trust me, you need this!!!!
  • No, identity theft is a style of fraud the place somebody makes use of your person thoughts to acquire financial income from pretending to be you for the point of a million) beginning lines of credit 2) with drawing funds from bills 3) stealing products 4) growing to be pretend legal archives identity theft isn't a million) whilst somebody pretends to be you on a internet website 2) somebody makes a face e book website utilising your call or likeness 3) somebody pretends to be you in an email or different style of verbal substitute with out financial income
  • Good Lord! There had to be a reason why they came after you. Did you not make payments? I used to live in Chicago and I know a very good attorney, Eli Kessler. He is on the north side of Chgo. Look him up but he is a little pricey. My boss used him for a similar reason for his daughter. Good Luck to you!
  • You can't sue anybody. You told the dealer your mom would co-sign. You were living somewhere you probably had no right to be, your car was towed because you probably weren't making payments on it.
  • You'd sue the person who stole your identity, but it sounds like you got bigger problems than that.
  • And through all this you don't have a lawyer? Ask him/her these questions...
  • Tell the judge that's gay, and sue.
  • Hi Everyone I need alittle help understanding and getting loans. Im attending a community college in illinois and I'm taking more classes than usual. So my regular financial aid isn't paying for my entire tuition. I do not have a job at the moment as I am still looking for one and probably will get one at my school when it opens. Does anyone know any federal government agencies, banks, etc that may lend me some money until I graduate from the community college. This is my last semester there as well until I transfer over into a four year university.
  • Sallie Mae is a great bank that will give tons of people student loans. They are easy to get and credit does not really matter.
  • Social Security DOES need to know about your name change...as well as your bank, any loans you have, credit cards, bills in your name, benefits in your name, with your employer and/or school, vehicle registration, etc. Every place you are registered or have an account in your legal name, needs to know your name has changed. Passport? Birth certificate for sure, and I forget what else. You can look it up online.
  • It depends on if you are legally changing your name. I assume that you are. If so, you need to change at least the following: 1. Drivers License 2. Social Security Card 3. Bank accounts 4. Credit Card Accounts 5. Bill Accounts such as cable, electric, water… In order to change your passport, you will need a birth certificate and a copy of your wedding license. You might also need to show a picture ID. I am not sure; things have changed since 9/11.
  • Well you need your id, Your social if your trying to get a passport you need that changed. If you do not have the documentation with your new married name you can use your old id and social with you marriage license. For your passport you need a id, prof or residency, social security card, bank statement, and i think you need your birth certificate as well.
  • To get you ID and Social changed you need your marriage license (original--you'll only have to show it). You'll also have to present your marriage license or a copy of it to get your name changed on all your credit/debit cards. They should match your ID. To get a passport you'll have to take your old passport (if you have one) and your NEW social security card with your new name along with your marriage license.
  • Id Address Social Security with new last name credit cards bank account
  • change any and all forms of ID that have your name on it...credit cards, bank accounts, SS card, Drivers License, gun card...to get a passport you will need two forms of ID with pictures and SS card I believe...good luck
  • social security card, medical information, job, bills if in your name, passport you should need birth certificate, social security card, picture I.D. and some money.
  • Yes i.d. and ss card. For your passport, you will need you birth cert. Do you want to change your name on cc cards, bank accounts, etc. Good luck
  • your id and social
  • Why do you want to change your last name ?It is old fashioned .You are your own person or do you want to be just an extension of your husband. Changing your birth certificate is going to cause you hardship down the road as if you ever divorce you will have to pay big bucks to change it back
  • me and my cousin wanted to purchase single family or multi family homes that are in foreclosure, and rent them out. we live in illinois and both bring in $30,000 a year after taxes. His credit score is between 580 and 650 and mine is 530 but im in collection with 5 agencies. now im on my way to cleaning that up and in a couple of months we should have $20,000 in the bank. do anyone know of any programs that would help us get a loan with this said. plz help
  • No. Find a home that is owner financed. Probably your best bet
  • My husband and I were going to buy a house last year in March 2008 on a FHA loan with 3% down in Illinois. Everything feel through on the seller's behalf, however those loans do exist. Best Wishes and Good Luck!!
  • It particularly relies upon on the supplier, the section the home is in, and how long the homestead has been on the industry. maximum sellers carry out for as plenty funds as achieveable, yet whilst the homestead hasn't bought for some months, they frequently come down. If there are a number of homes on the industry interior the comparable community, possibilities are high that the supplier will drop the asking fee much greater. Do you have the different homes you like besides if this supplier chooses to ask the whole fee? We dropped the fee on our previous homestead by skill of $20K by way of fact it were on the marketplace for 9 months.
  • I've never heard of 3% down for commercial property, even with FHA. It might be 10%, or it may be at least 20%. I bought a non FHA triplex last year and they required 30%! :(
  • An apartment complex, no matter how small, is considered investment property and takes more than 3% down. You may need up to 25% down.
  • FHA has a limit on a 4-plex...and you must personally occupy one of the units.
  • not likely; why not instead, seek out one for sale and seek seller's financing via a lease purchase option?
  • I bought a house in Illinois two years ago. I have since had to move out of the house to relocate because I was laid off. I have been paying rent and the mortgage since then but I just can afford it anymore. I cant rent the house without coming out of pocket atleast 1k(for goodness knows how long) and I cant sell it because the value of the house is less then what I bought it for. I have come to the conclusion I am going tohave to foreclose on this BofA loan. I know the obvious ramifications i.e. credit etc. What else can I expect to happen and is there anything I should do to protect myself legally, financially etc in the foreclosures wake? Do I need to get an attorney?
  • You need to talk to lender and see what your options are. The new law provides limited help. Speak to more than one person there. There is loan modification, short sale, deed in lieu of foreclosure, foreclosure, etc. If you do a short sale or deed in lieu of foreclosure you want to avoid a deficiency judgment and 1099C if at all possible, keep that in mind in negotiating. If you get deficiency judgment, that means you have income on your income tax return to the extent of the deficiency. It's fair because YOU borrowed the money and got the benefit and owe the bank more than they're getting by taking house back. Financially it might be better to move back into the house and rent out a room and keep house, paying on it, until the home market turns around. Or did you relocate after being laid off because you obtained a job elsewhere? Your credit will take the biggest hit with a foreclosure or bankruptcy.
  • Good job for not paying for ridiculous services. Rent to own homes are not very common just so you know. It's generally done in rural area's where homes can sit on the market for months if not years. Even if you somehow end up with a rent to own arrangement (land lease), there is a high probability of never owning that home. Very few land leases end up transferring to the intended party. Applying for an FHA loan is a better path toward home ownership.
  • Rent-To-Own Homes : http://RentToOwnHome.uzaev.com/?srmb
  • I'm looking to buy a home from a family member, and they are willing to finance my mortgage as well. We are having trouble finding the lowest possible interest rate they can charge me and have it not be considered a gift. Since its a larger loan amount we want to use the lowest possible rate allowed, but still a rate that the IRS would find acceptable and not consider it a gift or too low for what ever reason. We are going to have our lawyer write up a mortgage contract so payments and everything will be documented. We live in Illinois.
  • The IRS requires the loan terms to be competitive with available rates. However, you can forego being charged the fees associated with a retail lender, such as points, credit check, legal review, and application fees. To prove to the IRS that you received a competitive rate, merely print out rates for your area, that are often published in the local paper on sunday in the real estate section. You may wish to consider using the adjustable rate for a 5 or 7 year ARM,
  • Fed prime rate is 3.25%. This is the rate that the Federal Reserve lends money to the banks and then banks calculate & base their mortgage rates that they charge to consumers. The daily average rate is 4.25 for a fixed rate 30 year mortgage. Any thing between 3.25% and 4.25% would probably be considered faïr market.
  • helpful they might. And in case you and that they are clever - you have got a promissory contract drawn up outlining the rights/duties of the two events. i could pay an criminal expert to do it. in my view, i think of its a bad theory to take a private loan from a kinfolk member. in case you rather need to destroy a kinfolk dating.....get earnings contact. in case you may desire to re-fi pass see a close-by loan broking provider and see what could be performed.
  • I am international student, so I am not eligible for financial aid, but i will have GPA 3.5. I really want to get here in USA my bachelor degree in Business Administration. I live in Saint Louis but I will go anywhere if someone tell me a bout a good college. I am ready to work on campus or whatever is needed. I believe a loan is not an option , because I am not permanent resident.
  • I'm not an expert, but having no answers sucks, so I'll give it my best shot. State schools are generally much less expensive than private schools. Also, if you can qualify for in-state tuition, that's a great way to go as well. I wouldn't worry too much about transferring credits as you'll be able to do that at most places. In your immediate area (i.e. staying in St. Louis) I believe that SLU is pretty inexpensive. I'll bet there's a University of Missouri-St. Louis as well. Branching out a bit, Illinois is a much better school, but that's starting to get a little pricey.
  • I think you have many options available to you. One that caught my eye was the degree at Buffalo university: http://undergrad-catalog.buffalo.edu/aca...and: http://wings.buffalo.edu/intadmit/new/pr...'The real cost of the tuition at UB is between $15,000 and $25,000 depending on the type of program. But we are very fortunate in New York that the state government subsidizes the true cost of education for all students (including international students). The cost of tuition at the University at Buffalo has not increased for the past four years. There has been a lot of pressure to increase our already low tuition; we have had to fight hard to maintain our tuition at its already affordable price. Most U.S. colleges and universities increase their tuition by at least 3% - 4% every year. UB is proud to continue offer its low tuition rate for another academic year! UB stands in the front rank among the nation's research-intensive public universities; nevertheless, UB remains one of the most affordable public universities in the United States' Thanks Bill
  • Don't give up so easily. Reach out for help from state and federal agencies. Start now! Take the time to do your homework and your time and effort will be well spent. Consider calling HUD at (800) 569-4287 and take advantage of their financial counseling services. A good site I used to help with my loan mod is at http://www.credit-hub.net/loan-modification where I entered some details about my current mortgage and the company got back to me multiple loan modification proposals.
  • Nope, unless your friends/family/church family will help out on a one shot deal, there's no charity that pays your bills for you. Time to make a plan B!
  • The DREAM Act, which would allow illegal alien students to get special in-state college tuition discounts not available to native-born and naturalized American students, has been resurrected by the Dems. You’ll remember it was a piece of the failed shamnesty bill in the Senate. As I noted during the debate, the Dream Act would repeal a clearly worded provision in the 1996 Illegal Immigration Reform and Immigrant Responsibility Act (IIRIRA) that states: Notwithstanding any other provision of law, an alien who is not lawfully present in the United States shall not be eligible on the basis of residence within a State (or a political subdivision) for any postsecondary education benefit unless a citizen or national of the United States is eligible for such a benefit (in no less an amount, duration, and scope) without regard to whether the citizen or national is such a resident. Ten states defied that federal law and offered in-state tuition to illegal aliens: California, Illinois, Kansas, Nebraska, New Mexico, New York, Oklahoma, Texas, Utah, and Washington. The last time the DREAM Act champions tried to tack their scheme onto a larger immigration proposal, they snuck in language that would absolve those ten states of their law-breaking by repealing the 1996 law retroactively–and also offered a special path to green cards and citizenship for illegal alien students. Now, Dick Durbin has announced he will stick the DREAM Act into the House Defense Bill HR1585. The lowdown is here. Durbin’s amendment would also welcome large numbers of illegal aliens into the military (you know, in addition to those the Pentagon has already allowed in). The open-borders lobby couldn’t get shamnesty “comprehensively,” so they are doing it piecemeal, as I’ve warned many times. As before, it’s up to you to slay these mini-amnesty beasts.Contact your congressman here http://www.house.gov/writerep/... The DREAM Act is an opening to all non-U.S. citizens, with extreme preference for those who violate U.S. law, to the financial aid and affirmative action systems. First they increased Federal Student Loan interest rates and used the proceeds to "pay down the budget." Now, they will make America's college students and families bear the burden of educating the entire world. What a way to destroy America's economy and society.
  • Well, I guess we need to give the coyotes something extra to put in their pamphlets on why their prospective clients should come. You can get credit cards using a falsified identity. You can ignore the law to get insurance in California that would cost a citizen up to 1000 dollars in fines. Free health care, welfare and cheaper college than Americans. It still may not be enough. We may need to offer free televisions, appliances and transportation next.
  • Add in quota's and affirmative action and colleges will be nothing more than a majority of minority's. When did ability and achievement become dirty words? BarB is, as usual full of (well you know). The scholarship opportunity's she speaks of are out there. Unless you are white. The NAACP provides for it's own, while the other asinine group known as the ACLU takes care of others. This is just another option of someone who isn't smart enough to pull her head out of her butt when she posts. People like her preach equality right up to the point that it is going to benefit a white person, or even worse a white man then it's a biased program and they scream it's not fair. Let's really play fair. Colleges admit students based on performance not skin color, the govt establishes a baseline cost for books, tuition, housing and dining then offers a 4 year student ed package that is actually based on performance. Offer the program for a max of 6 years and voila we solved a lot of problems and even save some tax dollars. Why won't we do this? Because too many people want a hand out not up. The last moronic thing she said was that students weren't bearing the cash burden which is again BULLSUGAR. The reason tuition fees have gone up EVERY YEAR for the last decade by an average of 6.8% is idiotic funding notions like this.
  • Sneaky ways our legislators use to get their way, despite it not being in the best interests of American citizens and legal immigrants. They tied shamnesty to secure borders, now they'll tie it to defense, hoping to get the support of terrified people who think the government is all that is preventing terrorists from climbing in their bedroom windows at night while they sleep. Primary education is already suffering as many schools have to cut traditional programs to fund ESL and remedial classes for illegal alien children. One school here cut Spanish and French classes for American kids to fund ESL. How much will they reduce financial aid to American kids in order to pay for the Dream Act? Legal foreign students can't get in-state tuition. Guess I'll be contacting my representatives in DC about this as well. The list grows and grows.
  • Because people like Barak Obama who voted for it--care more about minorities than Citizenship status. So do yourself a favor and remember that, come election time! Oh, and to the rest of you---I have $25K in student loans. How much do those "DESERVING" minorities and Immigrants have accumulated??? ^
  • Yes many states offer in state tuition to illegals. i think by doing so the school is picking up some federal funds on the side.
  • What I have found is that more and more American people, and those who are here legally, tend to write their State Senators, and Congressman to get their answers. You have a right as a legal citizen to complain to them on everything, and about everything that is certainly and clearly unfair to you. http://www.senate.gov/general/contact_in...http://www.congress.org/congressorg/dire...Save the links in your faves for your future reference
  • If we were all smart enough to unite and not pay one cent in taxes, we could turn this country into the democracy that some people long ago dreamed it would become.
  • Well, Congress can make new laws and rescind old ones. This act would repeal that portion of the Immigration act of 1996. What this act would do would be to give educational opportunities for the CHILDREN of illegal immigrants who arrived here WITH THEIR PARENTS prior to the age of 16. They also must have graduated from a U.S. high school and must have no criminal record. They must prove that they have been here for at least 5 years. This isn't an open door for "illegal immigrants"....but rather, a scholarship for the children who were brought here AS CHILDREN...... Don't be so hateful. All American children have many opportunities for scholarship to colleges and Universities. Nobody is being discriminated against. It's just too bad that many of our teenagers don't bother finishing high school much less attend college. And, they aren't MAKING college students and families bear this burden. The Colleges will use regular funding for the program. And, the reason the student loan interest rates are so high is because our government is greedy...not because of immigration.
  • I agree with the 1st poster. Screw being PC, any senator that votes for this needs to have a negative campaign thrown against them the likes which have never been seen. Any senater thats votes for this is rascist.
  • I do not understand why people get so fired up about some children of people who are illegal aliens getting an education. Isn't this nation founded on the concept that we should not judge children based on their parents actions? Furthermore, why should we have these programs anyway? I scored in the top ten percent on the ACT and come from a middle class household, but I did not receive any federal assistance when I went to college. Luckily with my high GPA and ACT, I got a full tuition scholarship from the college and its private donors. Shouldn't we make our system of financing higher education based on merit instead of the actions of the parents?
  • I live in Illinois and work in Missouri, and my employer didn't withhold ANY state taxes throughout 2007 (even though I specifically requested the deduction several times). As of my last check, my gross pay is about $25,000 and my federal withholdings are about $3,000. (I have a much better job starting in January.) Unfortunately, as I am under 25 and don't have any children, I don't qualify for any earned income credits or child tax credits. I have, however, paid well over $2,500 in student loan interest throughout the year and purchased a home in May. What will I owe for state and federal taxes, and are there any tax credits that I could qualify for?
  • For state tax, you'll most likely owe around $630. Employers often don't take out taxes for areas other than where they are - if they don't, you are responsible for making estimated payments, in your case to IL. You'll probably have a federal refund big enough to pay what you owe to the state. You can deduct some of the student interest as an adjustment, whether you itemize or not. And if you itemize, you can deduct mortgage interest and real estate taxes.
  • You were probably mistreated as an independent contractor and didn't know what the deal was. I have a canned explanation to apparently clueless independent contractors: Some employers try to get around paying employment taxes (social security and unemployment) and other employee benefits like workers compensation insurance by improperly classifying employees as independent contractors. The basic issue is the amount of control the employer has over the worker. If you are required to show up for work--personally--at a particular time, punch the clock, use the employer’s equipment and are paid an hourly rate, or another set rate based on time served, you are an employee. If you didn't understand the difference when you posed your question, I would be even more convinced that you are an employee. What is your preference, Slotted or Phillips? Complete an IRS Form SS-8 to get an official ruling on your status. This will help you get unemployment if you get fired. When you file your income tax return, you can attach Form 8919 Uncollected Social Security and Medicare Tax on Wages and only pay the employee's half of social security. You will still have to cough up all the income tax. IRS and the states are stepping up enforcement in this abuse area. You will have to report your earnings in both states but will be entitled to a credit in Illinois for taxes paid in Missouri.
  • No one can tell you the answer to your question because you have no idea what your adjusted gross income will be yet. Once you know that number, then you look for allowable deductions, and go from there.
  • My husband and I are buying are first home and as of today through Wells Fargo in Illinois (where we live), rates are at 6.5%. A couple of days ago it was at 6.75%, but just one week ago it was 6.125%. We will be closing on our home November 26th and I was curious if there are any financial savvy people out there that might know more about it than I do.. Should we lock in now or wait til close? Thanks in advance! Amanda
  • You've asked a great question. Unfortunately, it's impossible to say. There are a whole bunch of conflicting forces out there, some driving up rates, some forcing them down. For instance, the weak housing market means there's less demand for mortgage money. That should drive rates down. Lending standards have tightened. Technically, that, too, should drive demand down. On the other hand, the spread between the highest quality loans and somewhat lower quality should be increasing. The prime rate is way down. There isn't a real linkage between the prime and mortgage rates, but rates generally all rise and fall together...though some much more than others. But there's still a credit crunch. And a credit crunch drives rates up. Every time I've bought, I've struggled with the same question as you. One possibility: Sometimes there are locks that will drop the rate if rates decline. They cost a bit more, but they might work something like: Lock in a 6.5%. If rates decline, your locked-in rate might decline as well, down to some level, such as 6.25%. Ask the person at Wells Fargo if they offer anything like that. Good luck.
  • Tough choice, with the central banks cutting the base rates on the interest rates most lenders are expected to drop their interest rates also... But this is not guaranteed so it's a bit of a gamble... You can take the safe option and stick with the deal you have currently or take a chance on it and hope that the rates drop in the mean time
  • Lock in. that small drop or up will not amount to much and things might go really haywire and mortgage money could dry up.
  • When a property is going to a sheriff sale, is the amount accepted by the sheriff, lower then a sale by a realitor? Does the sheriff give you an eviction notice in Illinois or do they sell the building will all your belongings? I do not know how much time I have to react. There was a notice that the building was going to sheriff sale 1/16/07..
  • I assume you mean 2008... Information about Sheriff's Sales in Illinois (copyrighted material to original owner): http://library.findlaw.com/2000/Jun/1/12...Illinois Foreclosure process and sheriff's sales By Thomas R. Hitchcock THE QUESTIONS PEOPLE HAVE ABOUT THE ILLINOIS MORTGAGE FORECLOSURE PROCESS AND SHERIFF'S SALES. 1. Q. How long does the foreclosure process last? 1. A. It takes approximately six to eight months from start to finish before you lose your home. 2. Q. What is a Sheriff's Sale? 2. A. A Sheriff's Sale is a public auction of your home which takes place at the end of the foreclosure process. 3. Q. When do I have to leave my home? 3. A. If you don't stop the Foreclosure Process prior to the Sheriff's Sale and a sale does take place, you should move your family and possessions out within two to three weeks after the sale....... if you do not want the Sheriff to evict you, your family, and your personal belongings. 4. Q. When can I stop the Foreclosure Process? 4. A. You can stop the foreclosure process at anytime prior to the Sheriff's Sale. At the time of the Sheriff's Sale, you lose your rights and the legal title to your property. However, you must never wait until the day of the Sheriff's Sale to start protecting yourself. If you decide to save your property, you will need to contact an expert at least a few days before the sale so that he or she can prepare the documents necessary to stop the sale. The LAW OFFICES OF THOMAS R. HITCHCOCK & ASSOCIATES are dedicated to helping people save their homes. 5. Q. How can I stop the sheriff's sale and foreclosure process? 5. A. You can stop the Sheriff's Sale and Foreclosure Process by a number of methods. 1. Sell your property 2. You can sell your property........... however, you will have to get enough profit from the sale to pay off all the mortgage debt, as well as the closing costs and the five to seven percent Real Estate Broker's fee. Of course, then you will need to find another home. 3. Refinance your home 4. You can refinance your home and pay off the mortgage........ however, often times lenders are unwilling to work with you unless you have at least 30% or more equity in your property. Many times lenders are unwilling to work with someone who has a foreclosure on their credit report. 5. Reinstate your mortgage 6. You can also stop the sheriff's sale and foreclosure process by paying the entire amount of the unpaid mortgage payments that you are behind. As well as the bank's attorney fees, court costs, mortgage interest, late charges and any other funds that your bank may have forwarded on your behalf such as tax payments, insurance payments, inspection fees etc. This payment can be done generally anytime prior to the Sheriff's Sale and is usually called redeeming or reinstating the mortgage. You will need to get the redemption or reinstatement amount from your Mortgage Lender's Attorney. However, don't wait until just before the Sheriff's Sale to do this because it usually takes your Mortgage Lender's Attorney's office a week to ten days to compile the amount necessary for you to bring your loan current and stop the Sheriff's Sale. 7. File chapter 13 8. If you cannot get enough money together to redeem or reinstate your mortgage then you can contact an Attorney such as THE LAW OFFICES OF THOMAS R. HITCHCOCK & ASSOCIATES and make an arrangement to stop the Sheriff's Sale by reorganizing your Mortgage Payments and Fees you owe. You can reorganize your debt by protecting yourself with the United States Bankruptcy Chapter 13 laws which Congress enacted to allow you to spread out your missing Mortgage Payments and fees over an extended period of time (usually approximately two years) while allowing you to again start making your regular monthly mortgage payments. 6. Q. Is it true that I can be taken advantage of during the foreclosure process? 6. A. During the foreclosure process, you must be especially careful of whom you seek help and advice from. You will receive dozens of letters, some phone calls and even a few visitors to your home claiming to be your new found best friend and the answer to all your foreclosure problems. The truth is that there are many people who, as sick and sad as it may seem, are just out to take advantage of people in the Foreclosure Process. They take advantage of anyone who is in a panicked situation and might be vulnerable to a quick fix to their problems.......... which in the long run can be far more costly and disastrous than first appears. "Borrowing from Peter to pay Paul" is never a good idea. Additional debt is not the answer to your problems. Also, many of these "friendly foreclosure helpers" want you to give them the deed to your home in exchange for helping you out. However, one must never give up their home ownership without giving it serious thought and without seeking competent legal advice. PLEASE don't jeopardize your home for a deal that sounds too good to be true because it probably is. Be aware of your rights before signing any agreements to refinance or sell your real estate.
  • and Gerald and anna boydjian, culprits in the Mortgage mess for illinois, and probably other states as well, IN Jail., Example quantum mortgage has taken credit clearing fees, had secretary take the test for their brokers reinstatement, due to grandfather clause, as well as just get a phony loan for a jjs musical company that doesn't exist?
  • How much will everyone loose before stopping these criminals that ...just keep on going , like the eveready bunny, by cheating, contractors john winston(if he really is one) works on the CHAC end of corruption, by bilking thosands for repairs not done, the department of buildings does not give violations for no reason, 18 here 20 there. when is the nightmare going to end?
  • The IDOPS only regulates licensing - they have no criminal investigative powers - you should ask the Attorney General that question. I have had contact with many state licensed people and agencies - only to find that I get a run around when it comes down to regulating and sanctioning them. Illinois IDOPS is a mess and it is not efficiently run.
  • my husband has a mouth full of teeth that explode when he eats. he is a heart patient and his doc recommends full extraction but we dont have ins for dental work. i am a stay at home mom and we cant afford to pay all up front or get a loan for this. please someone help him. i have gone to every site, called every #, emailed everyone on a dentistry list for illinois and still no help. we are not greedy ppl or anything we just really need to get his teeth pulled b4 this affects his heart condition any farther. any answers or suggestions would be great. thanks so much...
  • well south america does dental for less than half what the usa charges, i really think if your spouse has that condition you either can apply for dental care credit, and if you can't consider Georgetown University Hospital they train others there so need patients to demonstrate, and charge way way less than a dentist office! try and look up if they have any like this universities in your state and call them and explain!
  • Never See Dentist Again : http://DentalBook.uzaev.com/?vOPc
  • I'm looking into buying a foreclosure home in northwestern Illinois and was hoping I could get a little help to do this since it would be a lot for just one person. I plan on making this my residence for the next 10+ years. here is some background information you may need to know for grant qualifications. I'm 22 and live alone. I make 50-60k a year. First time home-buyer. Fixed up homes before. Big components of the house that I'd fix in priority order. 1. Roof, house is deemed unlivable until fixed 2. bathroom, wiring and plumbing is atrocious. 3. kitchen, same as the bathroom.
  • There are no grants available for this type of thing on the federal level. You may, however, be able to use an FHA 203(k) loan to buy and fix up the home. Note that there are some hoops you will have to jump through - the big one being the plan of work and architectural; drawings needed, as well as the expected value appraisal. At the state level, some states have used HUD Community Block grants to establish renovation grant programs. Check with the state housing authority or economic development agencies to see if Illinois is one of these states. Finally, regardless of which way you go, you also need to have the basic qualifications to obtain the loan - these are usually 2 years of employment, adequate income, and good or better credit. In your case, at $60K a year, you max mortgage will be somewhere around $180K. EDIT: For more info on the 203(k) loan, try this link: http://portal.hud.gov/hudportal/HUD?src=...
  • Generally, the "help" you get with a distressed property is the lower selling price. There might be grants for specific areas or specific upgrades/repairs(energy efficiency, etc), but these are often local and pretty limited in scope. You can check with the local town office, builders, etc if they know of any programs. There are several first time homebuyers programs that help with financing.
  • Pretty much nothing . What is available will probably be local, thru community development agency, or programs locally that your realtor should know about. HUD probably doesn't have anything, but I'd look at their website for tips
  • if you have that much money why don't you apply for a small business loan to open up a small store.you will need to keep atleast that much in the bank as collaterol.why don't you try looking into a business account with american express?. that is one place you could start as well as with your local bank or credit union.
  • You could always open a small website that sells online merchandise, or work at a small shop, instead of immediately opening your own, considering if you want to own your own business, it takes a lot of work, because of: 1. The business building itself. 2. Remodeling 3. Supplies 4. Inspector 5. Employees 6. Stock
  • So I have been at this for a few weeks now and have only come across one school that I have liked so far. It is SNHU. However, SNHU does not offer some of the things I am looking for in an online school. What I am looking for is an online school that offers Master degrees in accounting. I do not want to have to take the GMAT or GRE as I cannot afford either of the two. I am also looking for a school that has low tuition. $100-$500 per credit hour would be ok. SNHU also does not offer scholarships so I am looking for a school that does offer them. I do not want to have to take out thousands of dollars in loans if I have other means to pay for it. It would be awesome if I could find a school that either pays for the students laptop or includes it in tuition. Books included in tuition would be great as well. Since I have no background in accounting SNHU wants me to complete over 54 hours but that is an awful lot. I am looking anywhere from 30 credits to 45 credits. They have to be regionally accredited and accredited by either the ACBSP or AACSB. I live in Illinois and these are the requirements to sit for the CPA exam. SNHU also waived my application fee since I am unemployed which was great. So if anyone has any schools in mind that would be great. I have already looked at places like Keller, UOP, and other well known online schools but I am not interested in any of those. I am looking for a reputable school where I am not going to be laughed at when I go to take the CPA exam. Any help is greatly appreciated.
  • MBAs in the US, AACSB, Greek things like Beta Gamma Sigma, and Ivy league things are all deception.
  • An accounting degree offers you a solid foundation from which to enter a number of interesting and varied accounting-related roles. An accounting education prepares you to be trained in the fundamentals of accounting principles and theory, cost accounting, budget control, financial accounting, managerial accounting, tax accounting, auditing, legal aspects of accounting, reporting procedures, planning and consulting, statement analysis, accounting research methods, business information systems, as well as professional standards and ethics.
  • 475
  • I got my GED when I was 17. That was 3 years ago. Now I'm working at a minimum-wage job. I got a pretty high score on it, so what are my options? I'd prefer a job that takes little training. Also, I may be moving to Illinois. I currently live in Tennessee. Please list me some of my options and some viable carreer choices here. Need something that pays 20 to 30 dollars an hour. Is that possible without a high school diploma and no college credit? I really need to get my life started, please help. Thanks...
  • Think about what you really enjoy doing and then find a way to build a career around that interest. Learning a skilled trade may be better than going to college. I went to a Honda National Car Club meet a couple of years ago, and was talking to two guys in their early twenties at lunch. One was a recent graduate of Art Center College. He had his dream job as a designer for Honda, but was so strapped by student loans that he lived a hand to mouth and struggled to pay his rent every month. Sitting across from him was another guy about the same age. He was a plumber. He was recently married to his high school girlfriend, had job he enjoyed working with people he liked, was making good money, had just bought his first house and was driving a new Honda. The really scary part is that the guy who was working as a car designer could have his job exported offshore at any time. You can't export a plumber's job to Bangladesh.
  • Now college. Your high score on the GED indicates that you are "college material". If money is tight, go to junior college first, part time, while continuing to work. Once you start doing well, you will be eligible for scholarships. I have known full time students who actually supported themselves through college with full-ride grants that paid living expenses as well as everything else. It will not be easy, but over a lifetime college graduates can expect to earn $2.1 million, as compared with $1.2 million for high school graduates. Is that enough incentive for you? Go for it!
  • Go to school-if not college than a vocational school.
  • go back to school or join the military
  • No your sh!t outa luck buddy
  • First you download and complete the petition form. Make sure you complete it in type and not hand-printed. Here's a link for that: http://www.illinoisnamechange.com/File the Petition with the Cook County Clerk of the Court (Cook County Building, across the street from Daley Plaza) Then you'll have to place a notice in the Tribune once a week for 4 weeks in the legal notices section. I can't guess at what that costs, but you can find out the cost of legal notices at http://classifieds.chicagotribune.com/cl...It appears they have protypes available for you to complete and submit. Then submit proof of completion of the legal requirements to the Clerk of the Court, appear before the judge, swear and affirm that you are doing this for no purpose of fraud or legal evasion and he'll sign the order. Then you take that to the county where you were born and have your birth certificate amended. Once your birth certificate is amended, get several certified copies and make several copies of the court order. You start with the Secretary of State to change your driver's license. Then you visit the Social Security Admin (nothing by mail with them and certified copies of all documents only). From there, contact your high school and any colleges to amend your transcripts. If you have any cell phones, utilities, student loans or credit cards in your name, they'll also need copies of the court order. At that point, you are officially a person with that new name. As for your last questions, you are an adult and you have no reason to involve your parents. You do need to plan on this costing at least $750, though, between the court costs, new birth certificates and drivers license, and newspaper postings. If you're going to do this, 19 is about the best age to make it happen, as you don't have much in your name that needs to be changed and there aren't many other people involved, such as kids, as they would have to have their birth certificates also amended if you had any.
  • U don't need ur parents but u should get ur birth certificate. Go to the courthouse and ask how, they will tell u what to do and where to file.
  • I think you will have apply at the court house, with your birth certificate in person.
  • You can do it by yourself. Don't forget to notify the IRS, Social Security, DMV, bank, credit cards, school and where you live and work. http://www.idph.state.il.us/vitalrecords...
  • by already paid for, do you mean with your own money? FAFSA is good for getting financial aid; the money that doesn't need to be returned (grants and scholarships) and money that does (Parent PLUS and Direct Loans). 1. always apply and enter that you are living on campus AND ineterested in work study AND loans. 2. LOANS: Subsidized loans are what you should shoot for. They don't gather interest while you're still in school. 3. sign up online at fafsa.ed.gov 4. if you're applying for FAFSA, they NEVER ask you for money/fees/credit-card info. 5. You can fill it out now for the 2011-2012 school year, BUT they don't accept them until January 1, 2011. The sooner you send it in, the more likely you get better amount of funds. The money is on a first-come-first-serve basis (or at least it is in Illinois). I hoped this helped and explained some things. Good Luck!
  • to late for this semester but go for it for the spring now
  • im 20 years old ran into a bind with paying for school i have about 1yr left and would really love to get my degree. i've been thinking of going into the navy. i'm just not to sure on which way to go. im scared that if i go active i wont be able to finish and that i will be stationed far from my family and if i go to the reserves im scared that i'll be stuck. i hear its nearly impossible to go from reserves to active. idk what to do.
  • It is hard to go from reserves to active. If you do go active, you will get credit for all of the classes you have already taken. You will be able to finish your degree. It may not be as soon as you would've liked. But if you go into the field that you are pursuing your degree in then it is worth it. They will pay for your school while you are enlisted. Also you will be able to choose to have the G.I Bill which is money toward college after you get out. Or they will pay off up to like 10,000 of your college loans. It is definately worth it to go active. Navy is giving some really great sign on bonuses right now. You will go to Great Lakes Illinois for "RTC" which is recruit training command. Same thing as BMT. But hey, if its not for you.. its only for 4 years. Its worth it.
  • I continually seem at persons and their venture earlier I supply an opinion. that's a could as a teenager today to examine and settle for regular jobs to strengthen and tutor your self first. in case you could bypass to college on a scholarship, grant, or financial help out of your loved ones, etc. this could be your huge style a million purpose. in case you could desire to acquire an abundance of "pupil own loan" money this could be a burden for many, some years on your life after college as for as your credit checklist. this could be a case to scrupulously evaluate your concepts and can be an lively militia legal duty that can assist you with your college occupation. army Reserve classes will obligate one weekend a month and your lively duty for education throughout spring/summer season months, 2 weeks. A reserve weekend you're paid as though 4 days lively duty, in different words, watching lively pay scale, your score, i.e., E-a million, E-2, etc., and style of years you have shows one days pay. You multiply this via 4 and this might tutor your weekend pay. earlier you connect a reserve unit insure you do not would desire to force a techniques or you would be putting all your money for gas you earned. As a army reservist you're nevertheless obligated to attend "boot". In time, you would be eligible for the G.I. invoice jointly as partaking interior the reserve application. God's speed, stay useful, and stick on your objectives.
  • I've been pre-approved for a $200k home with $5k taxes. If I find a home that is $200k with $6k taxes (no exemptions), would I be allowed to purchased the home, assuming that getting a homeowners exemption would bring the taxes down to $5k? Or will it not be allowed because the taxes exceed that of my pre-approved amount at the time of purchase? I live in and am looking for homes in Illinois (Dupage County, specifically), if it matters. Thank you
  • A homeowners exemption doesn't play into qualifying for a mortgage at all! That exemption cuts your annual property tax bill by about $100 per YEAR or $8 per month. Rule of thumb is that you can afford a house that is about 3 times your gross annual income. Some people qualify for more based on their individual situation (mine is 4x). Rule of thumb #2: Your mortgage payment (principle, interest, property taxes, and insurance) should not exceed 28% of your gross monthly income. If you have no other debts (no car loans and you don't carry a revolving balance on your credit cards) you may have slightly higher limits. Your total debt load (mortgage plus auto and other minimum debt payments) may not exceed 38% of your gross monthly income. For best rates, you need 20% down and 740+ FICO. With less than 20% down you will have PMI (Private Mortgage Insurance). Learn more by reading "Home Buying for Dummies" available from your public library or independent bookseller.
  • I am a high school senior and an IVF twin, who would love to do well on her Advanced Senior Project...so if there are any comments on the emotional effect of IVF, I can quote them directly. Also if anyone has an oppinion on the age of women going through IVF it would be helpful. Lastly I am having trouble finding good information on health insurance with IVF. Any help would be greatly appreciated : )
  • IVF was the best decision that we ever made - after years of trying, going through depression after every failed IUI attempt (6 in total) . . . IVF helped us to realize the possibility of a family. I am 20 weeks 6 days pregnant with my own IVF twins. I am 34 and DH is 36 - our diagnosis was unexplained infertility. To women dealing with infertility, I highly recommend additional therapies including acupuncture, counseling and support groups. Conquering Infertility is wonderful book by Dr. Alice Domar and she also has her own center: http://www.domarcenter.com/As to insurance - it is complicated - it depends on the state you live in or the state that your employer has their headquarters in and gets their insurance from . . . a great site for insurance info is the Resolve website - currently 15 states mandate coverage: http://www.resolve.org/site/PageServer?p...There is also useful info on the Fertility Lifelines website about paying for treatments: http://www.fertilitylifelines.com/AND - some Banks / Credit Card companies offer health care loans: http://www.capitalonehealthcarefinance.com/fertility/ Hope this helps - good luck with your project! Tina
  • the two my grandfathers have been immigrants and grew to become tailors interior the u . s . a .. My maternal grandfather grow to be a farmer and restaurateur in Austria. My paternal grandfather grow to be a violinist. those weren't super the thank you to make a residing in a clean united states without understanding of the language. in case you are able to desire to degree, decrease on a as we communicate line and use a sewing gadget, you have been a tailor in a sweat keep! My maternal grandfather died at 39 and my creative grandmother used her finished existence savings to place a small down fee on a super domicile and ran a boarding domicile whilst her teenagers began artwork at approximately age 9 or 10. My mom grow to be the exception. She grow to be allowed to end HS and after retiring, she went directly to college. there have been rumors that a number of my grandmother's tenants have been of extremely decrease than rosy acceptance yet we will not get into that. Her assets, which grow to be her paid-off domicile, grow to be sufficient so as that each and each physique 4 of her residing little ones might desire to place a down fee on their first residences or commence small companies. And so it is going.
  • I believe Im talking about how we can make the "good" ones then feel more welcome. For example, many of them loose thier jobs to come here and cant get it back even though they have degrees in their field and the country they immigrated to could really benefit from them. Not the ones you guys are thinking of. Well thanks anyway!
  • now this is what i don't like because pro illegal immigrant supporters, our government and the media use immigrant to refer to all who have immigrated to the U.S. legally or illegally it confuses the matter. i really have no idea which group you're referring to. i can say though that the removal of all illegal immigrants would make things easier for both groups. illegal immigrants would not longer have to worry about deportation and legal immigrants would not get looked at with disdain because we would know they belong here and they wouldn't have the illegal immigrants assuming their identities. THE article states; It appears that those who purchased new identities did so for the sole purpose of getting jobs. The investigation found no efforts to obtain credit or loans using the names, said Jackson, the prosecutor. But the scheme still caused hardships for some whose identities were allegedly stolen; most were people with Spanish surnames. One of the true holders of a social security number used to land a job at Pilgrim's Pride received a notice from the Internal Revenue Service asking for back taxes on wages he purportedly earned. And an Illinois nursing home resident nearly lost his disability benefits because it appeared he was employed, according to court documents.**** second article; Study: Illegals depress wages by $1.4 billion in Arizona Illegal immigrants depressed wages in Arizona to the tune of $1.4 billion in 2006 and dipped lower-skilled legal workers' pay by 4.7 percent. The study by Harvard economist George Borjas said hiring illegal immigrants depresses wages because they work for lower pay and sometimes are paid under the table. The study said illegal immigrants primarily impact wages and jobs held by legal workers with lower education levels. Borjas said that illegals make up 10 percent of all state workers and decrease all wages by 1.5 percent. FULL articles on the links.
  • I am an immigrant and i came her from scotland and i am discriminated against. it is mainly by uneducated people who have no class. the thing that is annoying is that here no one is educated on other cultures. i always get asked if i only speak english. OF COURSE I DO I AM FROM GREAT BRITAIN. mostly it is just plain ignorance from most people. I have actually been turned down from jobs as they dont want to deal with an immigrant. the only thing they have to do is look at my green card and document. hard i know. but whatever their loss. also the comment above about assimilating. it is hard to assimilate into the US culture as it differs from place to place. the other problem is that americans expect that all immigrants should give up their culture and only be american. i have found that even though i might have outwardly assimilated. i still think in british terms and logic. and this is 18 years after living here and i moved here when i was 9
  • For the most part, immigrants (legal) are not discriminated against. Illegal aliens are discriminated against, as are all other criminals. One must make the obvious distinction between legal and illegal. The variance in acceptance or denial of a university degree is based on university performance standards, real or perceived. My US Army Medical Specialist training qualifies me as a Doctor in the 1800s. However, this is 2008.
  • There is very little discrimination against immigrants in the US. Illegals, now that's different, and with good reason. You will not be able to stop citizens from demanding enforcement of our laws.
  • By reducing illegal immigration. One of the biggest challenges faced by legal immigrants is the negative immage caused by illegals. Freed of that suspicion, immigrants would face much less discrimination.
  • tell them to go home if they are illegal. Then come back when they have a right to be here... The thing with the immigrants is not a race issue. Its just an over whelming surge of people that have flooded into US since the first Bush administration... Its caused housing and cost of living to increase dramatically. We have become a cramped and land hungry nation in an attempt to deal with the huge population explosion. More and more people and not enough housing. Not enough jobs, not enough schools, Not enough space to spit... So its not a race issue. Its just become too much for anyone to deal with.
  • Well it's very simple. If we kick their butts out of our country, (that they entered illegally) then they're not here for us to discriminate against. I don't think very many people have problems with legal immigrants. Only the scum that come here to suck up our jobs and take tax payer dollars meant for actual American citizens. See how simple that is.
  • Convince them to enter legally or not at all. Once they are here legally convince them to earn a living and not depend on tax payers. That would go far to reduce warranted discrimination.
  • Immigrants are not actually discriminated against. They are, in fact, very protected. But way to frequently, they fudge on their degrees claiming they are professionals when they are not. I don't want any discrimination... but pretending you have a big time degree when you don't, causes enormous problems.
  • Legal=Welcome. Illegal=Buh-Bye.
  • I bought a car last month, through a dealership in IL, I live in Michigan. I had asked the dealer about sales tax on the vehicle so I could get the right loan amount. They informed me that since we were trading vehicles, and the car I traded was worth more then my new car, I would not have to pay Michigan taxes. I asked about 6 times to have him make sure this was correct beause it was between this car and a local car, which they were going to make me pay sales tax. He said since I bought the car in IL I didn't have to pay the taxes. Well, time to go register my vehicle and they say I owe the 6% sales tax. Is it the dealers responsibility since they did not collect taxes and did not know the accurate laws?
  • It is a small dealership of 2 employees, the dealer told me I was "exempt" and gave me an exempt form, except it doesn't work in michigan. I asked him if trading a vehicle and not paying sales tax was the same in Michigan, and he lied and told me it was the same and I would not have to pay sales tax at all.
  • I work for a dealer in Illinois and am from Michigan and have sold cars to Michigan residents. Here is what I think happened. First of all, your dealer doesn't seem to know anything. There are many states that have reciprocal tax agreements. Michigan and Illinois DO HAVE reciprocal tax agreements meaning that if an Illinois resident buys in Michigan, Michigan collects and keeps the Illinois tax and vice versa. If you lived in Ohio and bought in Illinois, you would be responsible for your taxes as those two states do not have a reciprocal agreement. Also, what your dealer didn't realize is that Michigan does not have a trade tax credit law(unless something has changed recently). Most states offer a tax credit for the trade since you have already paid sales tax when you initially bought. Example, in Illinois if you buy a car for $30,000 and have a trade worth $10,000, you pay tax on the difference; $20,000. In Michigan (one of the few states to do this) you still need to pay tax on the whole $30,000. Either way, the taxes are due. It is a fee everyone has to pay regardless of what you were told. It sucks, I know...I completely agree. I'm not sure what, if any recourse you have, but the taxes need to be paid. Shame on that dealer for not getting their facts straight...but again, either way, the state of michigan needs to be paid their tax money.
  • Reciprocal Sales Tax States
  • you do realize that more than likely who ever you talked to on the phone did not go tell the other 45 people who worked at the dealership that you called six times sounding like a nut saying he did not want to pay taxes and of course these people who probably talk to 100 people a day know instantly who you were and knew not to put the sales tax THAT THEY CHARGE EVERYDAY DAY IN AND DAY OUT FOR YEARS. do you see how it could easily been a mistake? yet here you are trying to make a Mountain out of a mole hill. Did you bother to get the guys name you talk too and make sure before anything else everyone understood what was going on? probably not. Take credit where credit was due no one can read your mind. If you don't want to pay sales tax because you are not required too then don't but let it go already.
  • An Illinois dealer is NOT required to collect or pay Michigan taxes. If Michigan wants to collect sales taxes, then that's their right, but it's NOT the out-of-state dealer's responsibility to know Michigan law.
  • That's a good question, I was wondering the same thing myself
  • yes
  • My sister and I inherited my parent's home in 2007. I spent 9 mos. renovating it with the intention of buying her portion of ownership out. I moved in with my family thereafter and put my condo up for sale to use as a down payment for the loan I will get to pay my sister. My sister wants to use the market value on the 2009 property tax bill from the county (DuPage, Illinois). That has not been updated since the recession. I think a fair way to do it would be to run comp reports and do a fair market value analysis. If we were to sell it right out - a seller off the street would not pay the county's assessment price, why should I?
  • A bit more detail. After my mom died in Jan. 2007 my brother died nine mos. later in Nov. 2007. Prior to his death we did have a Realtor do a market value analysis. Keep in mind that was 3 yrs. ago. My concern is not getting credit for my renovations ($30K worth) but the fact the housing market has dipped considerably. Should we be using a figure from back then when housing prices were inflated or can we use the current values?
  • County (or municipal) assessment valuations are NOT an indication of current market value. They may or may NOT reflect such valuation. Your error was in not having a professional appraisal done BEFORE you renovated the place. A professional appraisal at that time would have provided a decent valuation basis with which you and your sister could work. You have now spent funds improving the premises, with no indication of value before such work commenced. Your best bet ? Hire a qualified appraiser to determine current market value, and clearly indicate what changes have occurred during your repairs/renovations. A good appraiser should be able to cipher any value changes which occurred due to your improvements.
  • The valuation of the property on the date of your parent's death is what will be used for the basis in determining any capital gains tax that will be owed by her. The FMV on the date of sale would be a reasonable figure to go by for a sale 3 years after the inheritance. If you didn't get a formal appraisal before undertaking the renovations, you may have a problem determining the FMV without them, which is really the amount that you should base the buy-out on unless your sister chipped in 50% of the cost of the renovations.
  • Yes, you should get an appraiser to do an appraisal or at minimum a realtor (friend) to do a comparative market analysis for you. If you two can agree upon which, then just pay what they say. You should have at least 3 sold comps and 3 active comps in the last 6 months. Tax assessments are typical about a year behind the market.
  • I think you should pay what your sister wants you to pay...essentially as half owner of the house she has a right to sell it for the price she wants to sell it for...she does not have to take your offer. Do not put a rift in your family over this. You are lucky enough to be the one that gets to own this house and live in it with your own family. It probably holds a lot of pleasant memories for you and you are very lucky to have it. Once you completely own the house you will then have the ability to sell it someday down the road if you want to...at that time if the house happens to be valued at $100,000 more than the price you are talking abou now...you will be way ahead...you sister will not benefit from that.
  • For the last several months I have seen Y/A liberals pick McCain apart and broadcast lie after lie about the man. Liberals say that he is too liberal to be a republican, then you say he is just like Bush. But not once has any one of you given an example of what Obama accomplished in his political career. Let me start: After Harvard Law School he became a lawyer and only practiced for two years before he entered politics. In his two years as a lawyer he tried just 14 cases. All of them law suits against the government. And all to keep Affirmative Action alive and well Obama was a community activist. He passed out flyers and incited unrest In the Illinois legislature, he voted 'present' more than yea or nay combined. So he was either the most uninformed man in the room or he just didn't care enough to vote. Either way its a disgrace He's been a senator for 143 days and has nothing to show for that either He wrote two totally racist books He was involved in a sleazy 14 million dollar land deal that got him a million dollar house for a few hundred thousand on a loan setup by Countrywide which never had to be repaid. He sat in a church for 23 years that preached hatred for "whitey" and "God damn America He refuses to salute the flag of our country but he has no problem calling terrorists "freedom fighters This list can go on. Now liberals it is your turn to come to the mans defense. And the one rule here is it has to be something Obama has accomplished. No bashing or even praising of McCain. This moment is reserved for the Obamabots to actually show they can play by the rules. THE BALL IS IN YOUR COURT
  • The great irony of Obama is that his only accomplishment is that he has convinced 1/2 of all Americans that he is an accomplished person. His actual record is unimpressive to say the least. To this day....no average american has any idea of what a 'community organizer' even is. There are still disputes as to whether or not he was actually a professor or just an adjuct fill in....his legal cases are not extraordinary as you have pointed out...and his career as a legislator shows quite an inability on his part to shake things up as he says he will do if he is given the Presidency. The man is a good campaigner. That much we know, so if he wins the Presidency, he will essentially have been elected for that reason alone. We will have taken him at his word that he will change things....b/c up to know he has really done nothing of great import.
  • Nothing worth mentioning ! Alaska Govermor Sarah Palin has MORE TOTAL political experience than the Socialist / Communist / Liberal / Marxist / ANTI-American Democratic Presidential Nominee !! . I have NO problem voting for an African American or a woman or any other minorty as long as they are the BEST PERSON for the position !!! JUNIOR U.S. Senator Obama is NOT the BEST person to be OUR President of THE United States of America !! . To me, Junior U.S. Senator Obama just came out of nowhere !! The more that I heard, the more that I knew that he would NOT be the BEST person to be THE President of THE United States of America !! America SHOULD feel unsafe about the possibility of JUNIOR U.S. Senator Obama in the White House !! IF .. JUNIOR U.S. Senator Obama can get his Global Poverty Act (SB S.2433) passed ... HE WILL be giving up America's sovereignty to the United Nations !! ... And .. in doing so ... THEY will be trying to re-write our 2nd Amendment !! . MOST ... JUNIOR U.S. Senator Obama Supporters do NOT care about his ideals and policies ... they JUST WANT AN AFRICAN AMERICAN as President !!! . JUNIOR U.S. Senator Obama is ANTI-American. JUNIOR U.S. Senator Obama wants to END WORLD POVERTY on ... OUR NICKEL AND SURRENDER THE United States ... to THE United Nations. . Please, search the ... Global Poverty Act (S.2433), ... and it is being sponsored by none other than JUNIOR U. S. Senator Barack Obama. . JUNIOR U. S. Senator Obama did NOT complete his FIRST term in office !! ... with just 143 days of ACTUAL experience ... HE decided ... that he DESERVED to be THE President of THE United States of America !!! . JUNIOR U.S. Senator Obama, the Unions, and the Democrats are sending messages to big business to downsize in America and send more jobs to foreign countries. Brilliant ideas from JUNIOR U.S. Senator Obama, the Democrats and the Unions (SARCASM) !!!! .
  • He went to corrupt Chicago because it was the only place that would acept his radical ideals, he sat in Rev Wright's racist church for 20 years, he meet the dirty cheat Tony Rezko, he slandered his opponents making him the only candidate electable into the Illinois Senate, he called for U.S. Senate opponent Jack Ryan to release his divorce records which exposed his sick lifestyle then like a hypocrite, said voters should ignore it a day before Ryan withdrew from the election Now his child has to live knowing his father is a sex fiend.. He voted for partial birth abortion.
  • -Senator Obama's fight for universal children's health care in Illinois. His sponsorship of a bill that brought health insurance to 150,000, including 70,000 uninsured Children, again, during his time serving in the Illinois Statehouse: -His success bringing Republicans and Democrats together (a huge selling point for me in general) on bills such as the one in Illinois requiring police interrogations and confessions to be videotaped. -His leadership on ethics reform in Washington (the bill that lobbyists and special interests are complaining about right now has his name on it). His work on both the Immigration bill during his time in the US senate and his sponsorship of Ethics legislation (something he did both while in the State House, and in the Senate) that called for some of the most impactful reform regarding lobbyists since Watergate (as he likes to term it): -His bill to make the federal budget far more transparent and accessible to Americans via the Internet -And his vital work with Republicans to lock down nuclear weapons around the world. Recognizing the terrorist threat posed by weapons of mass destruction, he traveled to Russia with Republican Dick Lugar to begin a new generation of non-proliferation efforts designed to find and secure deadly weapons around the world. As a member of the Veterans' Affairs Committee, Senator Obama has fought to help Illinois veterans get the disability pay they were promised, while working to prepare the VA for the return of the thousands of veterans who will need care after Iraq and Afghanistan. In the Illinois State Senate, worked with both Democrats and Republicans to help working families get ahead by creating programs like the state Earned Income Tax Credit, which in three years provided over $100 million in tax cuts to families across the state. a chart laying out the bills Obama sponsered and wrote: chart that shows all the bills in the Senate that Obama has written or sponsered: http://graphics8.nytimes.com/images/2007/07/29/us/politics/30obama.GRAPHIC.gif
  • He's given anti-American speeches in Europe I know in the liberal playbook - this is the next highest achievement after winning a (fake) climate change Nobel Peace
  • He is anti american, loves his racist preachers, loves high taxes
  • I have been married 7 years and we have tried the IVF cycle ( a procedure where they fertilize the eggs outside of the body and then place it back inside of the woman). We have not been successful and our money is low. The sad part is that have been together over 10 years and after a few miscarriages I found out I had some issues. My husband is a good husband who really loves me. But I am becoming to sad and depressed. I think I wish he would cheat on me, just so he has a chance to be a father. I just want to have his child. And it hurts to see my friends' IVF go well or see other family members have children. Please help me--------------somebody!!!!!!!!!!!!????...
  • I am going to assume that you do not live in a state that mandates insurance companies provide fertility coverage - if you are not sure check out the Resolve website: http://www.resolve.org/site/PageServer?p...Here are some recommendation for paying for IVF - there is also a great link that I included at the bottom about grants. 1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. 2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. 3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member. 4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . . Here is a great link for you: http://www.nobabyonboard.com/options.htm...Good luck!
  • I doubt there are any charities out there for IVF because so many people are against this procedure due to the fact that you could have multiple babies at once - hence, if you are financially strapped for funds for the procedure, how will you afford possibly 2 or more babies. Those people you see on TV with sextuplets and twins are making money of their show, so they got lucky, but others have had to turn to handouts and our government, which in turn upsets tax payers (they like to pretend they are the only ones paying taxes...know what I mean). At any rate, I wish I could help. I am also TTC myself with some problems. I miscarried in June and started trying again in August and no luck so far. I'm so sorry to hear of your losses. I wish you lots of luck for your miracle baby!
  • I really want to pay the least amount of money for college. I am a community college student and will have my associates by the end of this year (about 60 credits, with honors, 3.9 GPA). I really want to go to Cali or Florida but out of state costs are insane! And if I want to go to a good school its so competitive that I doubt I would get a scholarship. I really do not know how the whole scholarship thing works because I haven't had to fill out the FAFSA yet. Basically, please tell me what schools in California, Florida, or Illinois (if I end up in-state) will give me the most money for having a 3.9 with a bunch of honors classes? I also dont want it to be a sucky school though. Like please dont tell me SIU- no offense if you go there but I want a school with a better rep. Thanks!
  • Idea: You could go to an instate school and save a ton of money. Do you really want all those student loans? Listen, employers do not pay that much attention to a name of a school. It's once you work, that you prove yourself and move up.
  • Call fasfa n go to your fin. Aid office at ur school an they will be able to give you proper info.. And also the transfer center
  • you may play college golfing, and the final way is to attend the IJGA, the worldwide Junior golfing Academy in Hilton Head, SC that's in the comparable state in college you intend to attend. Hank Haney, Tiger's coach is the pinnacle instructor of the IJGA. it is an entire academy with teachers in history Academy, which you would be able to end your severe college, and you reside in homestead dorms with roomates that are additionally scholars, and homestead mothers and fathers. scholars that attend the IJGA are all aspiring golfers who desire to play college golfing, and with a bit of luck pass professional. scholars attend the IJGA for a whole college 3 hundred and sixty 5 days or semester, so which you should objective to pass right here next semester, and end your severe college there. in the academy, you artwork on your interest by making use of having coached by making use of Hank Haney and his instructors, and you play competitve tournaments with different scholars for the IJGT, the worldwide Junior golfing excursion, and from that faculties see you for scholarships. no longer everybody that is going to the IJGA gets scholarships, so in case you do no longer, you may stay there for their placed up graduate software, that's the comparable, you strengthen on your interest, pass to college in the comparable time, and you will then pass on and play college golfing, and swap professional. there became a coach on the golfing Channel which shows lives of scholars in the IJGA. that's college of golfing: Hilton Head Island, however the coach basically ended, yet you may verify your community listings whilst that's on, or watch movies like recaps on line on their website. I surprisingly propose looking at this coach till now pondering going to the IJGA, yet you should pass to the IJGA, that's the final way you may play college golfing. you shouldn't omit out in this danger, you should objective to attend the IJGA next semester and end there, in case you have the funds and could, that's the final way. you have a greater effective danger in enjoying college golfing in case you pass to the IJGA fairly than going to that college you get training. for further information with regard to the IJGA, and the coach college of golfing: Hilton Head Island, the web content are below in the supplies.
  • None. There is no such a thing as scholarships for transfer students.
  • Details for 2011: Income: $73,532 Fed. Income Tax Withheld: $12,231 (ouch!) SS Tax Withheld: $3,088 Medicare Withheld: $1,066 I claimed 2 exemptions/allowances for both Federal and State on my W4. I am single and have no assets. The only other thing I needed to include was a 1099-INT for $182 gained in 2011 from my savings account. I claim the standard deduction and have no student loan interest or other common deductions/credits. Total deductions equal $9,500 between the standard deduction ($5,800) and my exemption amount ($3,700). So what gives? I'm getting $50 back from the federal government, but am owing $151 to the state. My friend has almost identical numbers with a small amount of school loan interest and is getting back $1,300! I'm fairly certain I'm not forgetting anything, but wanted to see if this sounded correct to any tax individuals out there. One more question - if I were to make a $5k contribution to my ROTH IRA for 2011 - how would this impact my tax return, if at all? Thanks for any insight!!
  • @ Judy - I live in Illinois - not certain if that changes your answer. As for my friend who brings in much more - there may be something he's not sharing or he's grossly miscalculating. I do my own taxes because I literally only have my W2 and one 1099-INT. Want to be sure that I wasn't leaving money on the table though somehow.
  • You don't say what state you're in. While claiming 2 allowances for federal seems to work out well for you, sounds like it's too many for state. And if you're getting back $50 and your friend is getting $1300, there's something else very different about your numbers on your tax return other than student loan interest. Even if he had the maximum $2500 of interest to deduct, it wouldn't make that much difference. There is no tax deduction for a contribution to a Roth IRA.
  • Sounds like your withholdings are almost exactly equal to your tax obligation. That's a *good* thing. It means you're getting all of your money in your paychecks, instead of letting the government hold on to it for you only to give it back to you at the end of the year. If you really think you want to get a "big refund", then you simply need to ask your employer to hold more out of each check for you. Change the allowances on your W-4 from 2 to 1, or even zero. Your friend can't have "almost identical" numbers. Either he earned less, or he had more withheld.
  • the reg IRA would have a small change in your gross income but if you owe $51 and have had the use of your money all year, it is a good thing owing $151 to the state is a little amount considering the fact you had the use of your money all year, rather than the gov't
  • Before i begin, i apologize for this being so long. I am right now, 13 weeks pregnant by my fiance i have been together with over 2 years. Recently, he has been very abusive, has not had a job since July, the water just got cut off in our townhouse, goes to churches to ask them to pay his electricity bill that has been very expensive from him never paying it before i moved in with him, is not paying for any of my medical care, and I, even though being pregnant am providing for him with my small part time job. Paying his gas, his food, buying him whatever i can afford. He complains that i dont help clean the house because when i am not working, i'm sleeping from the exhaustion of my body developing a baby, which many pregnancy books has said on my defense that me sitting on the couch watching tv, my body is still working harder than he is body building. He constantly picks fights with me, constantly acts like a little kid and annoys me (as in playing the i'm not touching you' game). Well, i have tried to give him many chances for the baby's sake, but by this time, i'd be better off living on the streets than being in a household or anywhere around him. I live in illinois, and my mom just let me move in with her and offered to move into her new house she just bought in the suburbs in las vegas, 20 minutes away from the city. Of coarse, i am going to take her up on that offer, knowing that she will never ever harm me or my child, but my ex is trying to say that 1, the court will not allow me to move out of the state with his child, and 2 fathers in illinois have custody over their children more than the mothers do. i laughed in his face when he said that, and have done research, but i will need some extra help for me to know all of my rights. I am not an unfit mother, i am not on drugs, i do not smoke cigarettes or marijuana, before i became pregnant i drank occasionally, i have my education (unfortunately no college education, i became pregnant before i was able to find a good school after graduating last may). He on the other hand, is a high school drop out, every cop knows his name, he has 4 felonies on his record, has no job, horrible credit, screwed over many money loan companies, overdrew on every bank account he had as much as he could, (since i have been 18 i have never even had a credit card) i feel like i have a higher chance of keeping my child? are you with me? could people please help me out and give me resources?
  • Move NOW while the child isn't born yet!!! Of course, even after your baby is born he cannot stop you from moving within the county and since you were never married, it's highly unlikely that a judge would ever tell you that you can't move with the child. Please do NOT let this guy move in with you and your mom under any circumstance!
  • He can't stop you from moving from Illinois to Nevada because at this time, you do not have a baby. He is full of crap if he thinks he can, no attorney told him this. Definitely move with your mother and as soon as the baby is born try to get an attorney and file for custody. If your mom is willing to help you out, you can enroll in school part time in Nevada and get a part-time job. You will also be able to apply for public assistance (food stamps and medicaid) if needed.
  • He's wrong. The court has no say in your move at this point in time. You are not married and there is no child in hand. So do the smart thing and move in your mother's home in Nevada. There is no law supporting his contention that he can keep you from moving. Just go. Be happy. Your mother is a better bet than this guy. Pack your bags and go. He's just bluffing.
  • yea you should just leave already you are carrying the child inside of you , so there is nothing that he can do about it. When u have the baby don't let him sign the birth certificate.
  • try using paragraphs, this is hard to read.... if you are to leave the state, you should get the court issues taken care of before you leave....
  • If its one of the Art Institutes run by EDMC (all of them that use the AI logo), avoid them like a plague. They're not an art school employers take seriously. They're open enrollment, they take ANYONE. They just want the financial aid from the government that you are entitled to. The government is now suing them for 11 Billion Dollars which could wipe them off the map easily. If you ask me, they're an elaborate corporate scam to funnel as many Government Pell grants and guaranteed loans out of students as they can and leave the students with the bill. They're like McDonald's of Art "Colleges". They're a chain that is popping up everywhere. They buy out dying schools, rename them, keep the accreditation.They create programs designed for impulse buyers and quick hits aka uninformed students. They may seem like they would be good, but it is all smoke and mirrors. Pretty building with pretty computers. Meanwhile, it will just ruin your life. The market demand they say they're meeting is not the demand of the Job market, its the demand of the students. Students that graduated AI are struggling to get jobs and have over more than $50,000+ or $90,000+ in debt depending on what degree they went for. Degrees that are worthless in the job market. Basically, AI is a degree mill. They use bloated success stats and circle logic to back them up. They count students working at Toys R Us as in the field. Avoid them if you want to actually have a decent future. If you really want to pursue your passion, go to a community college, study fine art, and then transfer into a state school. It will be cheaper and the money you save you can buy your own equipment and STILL have money left over for a better future. Their job leads are bogus, they go to Monster, Craigslist, and career builder just like everyone else. Their top employer is HOME DEPOT (Check their own website) and I guarantee none of those are art jobs. Don't make the same mistake my friends and I did. We'll be paying for it for the rest of our lives. If you go with AI you'll be folding clothes at Target or hawking video games at Toys R Us for $8.25 an hour and struggling to pay $90,000+ with bill collectors haunting your every waking moment for the REST OF YOUR LIFE with no way to stop them because there is no bankruptcy protection on Student loans. Please please please make sure you check out these news articles below. Many are accounts from students, staff, and teachers of AI. Feel free to check YELP ("Filtered results" as well.) What you do with this information is your choice, I just want to make sure you know everything before listening to one of their recruiters sales pitch. Remember, they're paid sales people. Not your friend. College may be expensive but what these guys are pulling is straight out highway robbery. Decide for yourself.
  • I don't consider that this is correct
  • Some pretty good arguments.
  • The key issue facing businesses globally is lack of credit. But it is not that simple. The credit is unavailable because banks, investors and even national governements have no firm idea of the value of the assets they hold, and whether they can safely create any new debt to extend new credit. Think of it like a summer vacation marathon game of Monopoly. At first the game was simple, we started out with 6 of us kids and a Monopoly set with $15,140 dollars of Monopoly money in it. As our game went on longer a couple cousins got in, traded in some poker chips and pennies and nickles that we credited as more Monopoly money until we had 50,000 "monopoly dollars" , but the number of hotels, houses and properties was the same, so the cost of them grew (just like the Dow and cost of consumer goods). Later on my uncle got in as well, and he brought more poker chips , pizza, etc. Now there is so much fake "money on the table" that no one really knows what it costs when I land on a hotel on Boardwalk. The rules say 2000 bucks, but thats chump change when we have 10 million on the table. In your original question, the businesses are asking to borrow 20,000 bucks from me to put a house on Illinois Avenue (since the game is inflated). I have no idea if it will ever pay for itself. Maybe I should loan them 10K and be half owner. If this example seemed intriguing ( or silly ) have a look at the real numbers....over 604 trillion in derivatives that the banks hold as Monopoly money assets...
  • SECUNDA, South Africa -- Every day, conveyor belts haul about 120,000 metric tons of coal into an industrial complex here two hours east of Johannesburg. The facility -- resembling a nuclear power plant, with concrete silos looming over nearby potato farms -- superheats the coal to more than 2,000 degrees Fahrenheit. It adds steam and oxygen, cranks up the pressure, and pushes the coal through a series of chemical reactions. Then it spits out something extraordinary: 160,000 barrels of oil a day. For decades, scientists have known how to convert coal into a liquid that can be refined into gasoline or diesel fuel. But everyone thought the process was too expensive to be practical. The lone exception was South Africa, a one-time pariah state that had huge reserves of coal and, thanks to anti-apartheid sanctions, limited access to foreign oil. Sasol Ltd., a partly state-owned company, built several coal-to-liquids plants, including the ones at Secunda, and became the world's leading purveyor of coal-to-liquids technology. Now, oil prices are above $70 a barrel, and Sasol has emerged as the key player at the center of the world's latest alternative-energy boom. China is building a coal-to-oil plant costing several billion dollars in Inner Mongolia and may add as many as 27 facilities -- including some with Sasol's help -- over the next several years, according to a recent tally by Credit Suisse. In the U.S., the Defense Department is studying coal-to-oil technology as a way to reduce the American military's dependence on Middle Eastern crude oil. And the National Coal Council, an industry association, is pushing for government incentives to help generate some 2.6 million barrels of liquid fuel a day from coal by 2025. That would satisfy some 10 percent of America's expected oil demand that year. The plan would require 475 million tons of coal a year, which represents more than 40 percent of current annual U.S. production. Industry officials believe America's coal reserves are big enough to allow for the extra production. Coal-to-liquids "is not going to replace oil," says Lean Strauss, a Sasol executive who directs the company's overseas energy business. "But it's an important substitute. It is one of the solutions to energy security." In June, two senators from coal-producing states, Barack Obama of Illinois and Jim Bunning of Kentucky, introduced a bill to offer loan guarantees and tax incentives for U.S. coal-to-liquid plants. Sasol has found a particularly receptive audience in Montana's Democratic governor, Brian Schweitzer, who says he carries a lump of coal and a vial of liquefied coal with him at all times. He is lobbying coal companies and others to build coal-to-liquid plants across his state, which has some of the biggest coal reserves in the U.S. Current estimates indicate the world has just 41 years of known oil reserves and 65 years of natural-gas supplies. It has enough coal reserves to last an estimated 155 years, with some of the largest reserves in the two biggest oil-consuming countries, the U.S. and China. It's far from clear, however, that the world would be better off -- economically or environmentally -- by burning more coal to fuel cars and trucks. One problem is that coal-to-oil projects are extremely expensive. A single plant capable of producing about 80,000 barrels of oil equivalent a day -- less than 0.5 percent of America's daily oil diet -- would cost an estimated $6 billion or more to build. Energy analysts reckon that some coal-to-liquids projects can offer an acceptable return on investment when oil is priced as low as $30 or $35 a barrel, though such ventures might require government tax incentives to reduce operating costs. It seems likely that oil prices will stay above that level for a while, but the longer-term outlook is anyone's guess. An earlier flurry of interest in coal-to-oil facilities in the U.S. during the Carter administration in the late 1970s died after oil prices collapsed. Coal-to-oil projects also pose serious environmental questions. When the South African facility superheats coal and turns it into a gas, one of the main waste products is carbon dioxide, thought to be a significant cause of global warming. The Natural Resources Defense Council, a U.S.-based environmental advocacy group, estimates that the production and use of gasoline, diesel fuel, jet fuel and other fuels from crude oil release about 27.5 pounds of carbon dioxide per gallon. The production and use of a gallon of liquid fuel originating in coal emit about 49.5 pounds of carbon dioxide, they estimate. Even some boosters of the coal-to-oil plants describe them as carbon-dioxide factories that produce energy on the side. "Before deciding whether to invest scores -- perhaps hundreds -- of billions of dollars in a new industry like coal-to-liquids, we need a much more serious assessment of whether this is an industry that should proceed at all," said David Hawkins, director of the Climate Center at the Natural Resources Defense Council, at a recent U.S. Senate hearing. Coal-to-oil is one of several promising but potentially polluting technologies that are receiving new attention amid high oil prices. Energy companies are trying to unlock natural gas trapped in shale and other difficult rock formations. They're also tapping oil-soaked sands in Canada and so-called heavy oils in politically challenging places such as Venezuela. Environmentalists fear these new sources will outshine conservation as the way to address the world's growing thirst for energy. In South Africa, environmental groups say Sasol's facilities have emitted huge volumes of carbon dioxide and pollutants, including sulfur dioxide. They say these have caused a host of respiratory problems in nearby communities. Sasol says its emissions of these pollutants are small compared to emissions by other companies' coal-burning electricity plants in the region. Sasol officials acknowledge their facilities emit greenhouse gases and that building more coal-to-liquids facilities around the world "could have potentially significant implications, in the long run, for our commitment to reducing carbon intensity," according to a recent company report on its social and environmental programs. Sasol says it plans to reduce its greenhouse-gas emissions per ton of product by 10 percent by 2015. Sasol and many other coal-to-oil proponents say that future coal-to-liquids plants can be built with newer technologies that trap carbon dioxide and store it, sharply reducing their emissions. To many South Africans, Sasol is a huge success story. The company's daily production now meets about 30 percent of South Africa's transport-fuel needs. The country's 50-rand bank note even features a picture of one of Sasol's plants. Sasol's share price has more than tripled over the past three years. Analysts estimate it earned about $2 billion in the year ended June 30, about 35 percent higher than the year before -- such a sharp rise that South African authorities are contemplating a "windfall tax" on the company. Coal-to-oil technology dates back to the 1920s, when two German chemists, Franz Fischer and Hans Tropsch, developed a process to convert coal into a gas and then use it to make synthetic fuels. Coal-to-oil technology helped fuel the Nazi war machine, which lacked access to sufficient crude oil. International oil companies also experimented with the process but put it aside because oil was cheaper. South Africa took a different view. The country lacked oil, but had enormous deposits of coal, much of which had limited market value because of its poor quality. In 1950, the government set up Sasol as a state-owned company and authorized funding for its first project, a coal-to-liquids facility called Sasolburg in the South African countryside. When oil prices soared in the 1970s, South African officials decided to up the ante. They lent Sasol $6 billion to build two new facilities at Secunda -- each 10 times as large as Sasolburg. The government also privatized the company, listing it on the Johannesburg Stock Exchange in 1979. (The government maintains a 23.5 percent stake). By the time the facilities were completed in the early 1980s, international oil prices were collapsing. The project was nonetheless a success for the white-dominated apartheid government because international sanctions were restricting South Africa's ability to buy foreign oil. The plants managed to stay profitable by continually boosting efficiency and expanding their end products to include plastics, fertilizers and explosives. Besides the government loans, Sasol at various times received cash payments from the government when oil prices fell below a certain level. It eventually paid back the loans and stopped receiving subsidies for its coal-to-oil business by 2000. Today, Secunda is a buzzing industrial hub with 16,000 employees, miles of interlocking pipes and cables, and eight colossal silos. The silos, each big enough to contain a football field, cool steam involved in the conversion process. Fuel trucks wait along the edge of the facility to fill up with gasoline. Nearby mines produce more than 40 million metric tons of coal a year -- as much as all of Illinois. Outside the plant gates, Secunda has a boomtown feel. It has some 35,000 people, a BMW dealership and a multistory casino hotel called Graceland designed to evoke the "grand old age of Colonial America." A growing focus for Sasol is marketing its technology overseas. The company first tried to do so in the 1990s, after apartheid ended, but executives found doors slammed in their faces. Oil was trading for less than $25 a barrel at the time. "We sat in corridors waiting for meetings that never happened because they didn't even know who Sasol was," recalls Pat Davies, Sasol's chief executive. Sasol made its first inroads in countries such as Qatar that have big stockpiles of hard-to-transport natural gas. These countries were interested in Sasol's technology for turning natural gas into liquid fuel. As oil prices began to perk up, Sasol drew interest on the coal front from China, with its big coal reserves and energy needs. In marketing materials produced for Chinese government officials and investors, Sasol offers a simple message: By 2015, 70 percent of China's oil imports will come from the Middle East. Yet the country has coal reserves equivalent to more than half the oil in the Middle East. By 2004, Chinese energy planners began meeting with Sasol executives in Beijing to discuss the coal-to-oil process. That was followed by a series of meetings with policy makers and Chinese companies, capped by a gathering in Cape Town in June attended by visiting Chinese Premier Wen Jiabao. Coal-generated pollution is emerging as a major environmental crisis in China. Yet Chinese officials are apparently willing to accept more coal use if it means improving the country's energy security, especially if local companies can design facilities to use relatively clean-burning varieties of coal. Shenhua Group, China's largest coal producer, has started work on China's first commercial coal-to-oil facility, designed eventually to produce as many as 200,000 barrels of oil equivalent a day. Although that plant uses a different process from Sasol's at Secunda, Shenhua officials are in negotiations with Sasol to jointly build at least one additional 80,000-barrel-a-day plant using the South African company's technique. While Sasol would charge a fee for licensing its technology, its main interest is to share ownership in the facilities once they're built because it wants a share of the long-term profits. In China, Sasol is asking for a 50 percent equity stake in the projects. A Shenhua official says negotiations are going smoothly and the company hopes to begin construction soon. In Montana, at least two companies, including the world's largest private-sector coal company, Peabody Energy Corp. of St. Louis, have said they are looking at potential coal-to-oil sites. Montana's Gov. Schweitzer says any excess carbon dioxide from a facility could be given to oil companies to be injected back into the ground to enhance recovery from old wells. Bringing Sasol on board is critical, says Gov. Schweitzer. He says Wall Street banks want the South Africans to play a role because Sasol is the only company with a track record in the business. To woo Sasol executives, he says, he took them on a flight over Montana coal country last year. "These are the guys everyone wants to take to the prom," Gov. Schweitzer says. Sasol officials say they're interested in Montana and other potential sites in the U.S., provided they can find a suitable partner and receive tax or other incentives. Coal-to-oil "is coming to the United States," Gov. Schweitzer proclaims. When it does, he says, other countries "will be scrambling to protect their oil supplies -- and we'll be energy independent." First published on August 17, 2006 at 12:00 am Shai Oster in Beijing contributed to this article.
  • Oil form Coal or Coal gassification was very expensive compared to other fuels. (Not so much now). Coal is plentiful in the US, but the environmental costs of extracting it and using it are very high. Not only does it destroy the landscape and ground water, burning it pumps more carbon into the atmosphere. So at present, it is still to costly to turn to more than we all ready do.
  • I didn't even take the time to read your entire "question", but, my answer is = Coal costs a lot to process, and creates more pollution. Have you noticed that the skies in China are brown??? That is pollution. When they are having the Olympic games, the residents will have days they will not be able to drive, and the government has halted some companies from producing their products, just so there won't be brown skies for the Olympics. I find that fact very interesting.
  • There remains a band of layers 1 thru 6 coal from New England to the Rocky Mountains. To answer your question, monetary influences and politics control the market.
  • Because they have enough power from water energy.
  • For how long have you been typing this question, you are really interested in this subject?!?
  • well im 20 almost 21 and since i graduated from H.S (19) i have done nothing...i want to became a police officer and i dont think i can afford college (if anyone know anything about financial aid will be helpful telling me something about it) one of the requirements to be a P.O. is to have 60 college credits or 2 years in the military...i dont know nothing about it (air force) what i need to do to join the air force then became a police officer?
  • Hello Alex K. You don't need to join the military to become a police officer. And there is no 100% guarantee that you will become a police officer if you join the military. Here in Illinois a person who wants to join a police force has to apply to some city or town. You are a high school graduate so that is step 1 completed. If there are openings at a police department you would be interviewed by either the chief of police of even a board of city trustees or a police selection panel about your desires and fitness to be on the force. There are probably many candidates. If there are no openings you might be kept on a waiting list. If selected, you would be sent to the college that is contracted to train new officers. In Illinois new selected police officers are sent to the University of Illinois where they conduct a Police Training Institute. College training for police officers. It is 12 weeks in duration. It costs about $4,500. You can go to this website to compare: http://www.pti.uiuc.edu/Investigate in your state by doing a Google search. I believe that with many police departments either they may pay for the training once you graduate or at least you can get a student loan and pay it back from your salary. Or, there may be a cost sharing assistance. You have to check it out. If you are really dedicated to becoming a police officer I would go to my local resources in your community or your state if you are willing to serve at another city than where you live. Not all police members come from the city that they live in. They move to take the job elsewhere; just like many people do in their employment. You need all the free time available for becoming a police officer. Being in the military will put you 4 years behind because if you don't become a military police officer you will be 25 years old and then coming back into the community to first go to Police Training Institute at age 25 or 26. Next time you see a police office just ask him/her how they became an officer. Also, walk into your police department and ask the dispatcher to have an officer talk with you about becoming a police officer. Best wishes. Larry Smith SMSgt, USAF (Ret.) First Sergeant
  • you can go to a local community college for free if you live with your parents and they don't make much money. FASFA will cover your bills. Now if your fam make a lot of money then yes you will have to pay. It takes the average person 3 years to get an associates degree. your other option is the air force. they will pay YOU. they will teach you structure,maturity,integrity,attention to detail,respect for yourself and others, confidence.You will see many places you would have never even dreamed of seeing, you will be in great physical condition, you will get some police training if you go in as military police aka Security Forces...this option is a 4 years though its your choice
  • a 39 on asvab meet weight and height requirements no really bad criminal recored no bad credit un paid speeding tickets or debts no bad medical history like you broke a bone didn't heal right but mostly you should talk to a recuriter you can find one in your area at airforce.com
  • dont join the military to get a job join to serve your country and to protect the people you love besides if i recall you have to serve 8 years or 4 years of active duty
  • dont listen to the first answer cuz the military wouldnt be paying you or off your schooling
  • My husband and I, after a long history of different treatments-surgeries-A.F., we have decided we will attempt invitro. Our debate was between waiting until may when we save up the 8k or financing it to do by end of the year. We are leaning towards doing it by end of the year because of medical needs. We would have to do another (4th time) surgery if we wait until may, which will cost an additional 1000$ to boot. So here we are basically, I am sure there are programs for discounted fertility meds or invitro services out there in Illinois or maybe nationally and I was curious if anyone knew of any or used any? Doesn't matter how small or big, every little helps, ya know? So any info that could be a benefit I would appreciate it! Thank you so much!!!!!!
  • If you are in the US, currently ONLY 15 states in the US mandate some sort of fertility coverage. According to the Resolve.org website, Illinois is one of them. Group insurers and HMOs must provide fertility treatment coverage. Do you not have coverage through your employers? Are your employers exempt for some reason? http://www.resolve.org/family-building-o...I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me. They also have information on prescription programs and shared risk programs. http://www.fertilitylifelines.com/index....Without insurance it tends to run $10,000 up to $20,000 in some areas. I have friends who paid out of pocket in Boston and it cost $16,000. If you cannot find insurance coverage here are some other suggestions: 1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in. 2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. 3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member. 4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . . 5) See if your employer as a flex spending account - you can set aside money tax free for medical things - everything from IVF to prescriptions to eye glasses etc . . . Here is a great link for you - including some grant info: http://www.nobabyonboard.com/Good luck and baby dust! PS - Stay away from any posts telling you to visit some random site where you can get health quotes as they have coverage. Most are spam / attempted identity theft
  • Not sure if this may help, but many universities offer distance learning courses for graduate and PhD in business, including some of the best, like Harvard, Stanford and Berkley. There are others, you need to check their programs for requirements to completion. Also recently found a site for MIT called: opencourseware, <>http://ocw.mit.edu/OcwWeb/index.htm> Not sure about degrees, but they offer courses and access to great database and you get grades for completion-you may be able to use those grades to get credit for study, work or life experience. I received credit for work, and life experience while doing graduate studies at the University of Illinois through a program called University Without Walls, UI called it Governors Program, other universities have different names for these programs-these programs cut the amount of time you spend to complete your graduate degrees (specially if you have been working in the field) You have to check the universities in your area to see what they offer in this area. As you know, when you get into the masters, doctors degrees, there are certain requirements to be met, since universities have to stand behind the degrees they give. Another aspect about these degrees is if you have to pay or can't affort to pay yourself, then you have to deal with Stafford Loans (have to be paid later) at that lever you are not eligible for PELL grants, unless you get an internship. However, there many changes and altenatives that are offered in the field of education these days. You just have to do a little research. Hope this helps. Good luck!
  • If not to become a professor, what are your reasons for getting a PhD/DBA? Will an online degree help you reach those goals? If you're just doing this for personal satisfaction, then Walden may be fine. But if you're using this to enhance your resume, you need to know two things: - In general, where you go for your PhD/DBA is extremely important. The reputation of your program matters a lot. Who you studied with - which professors - can matter as well. - In some business fields, employers will shy away from people who have a PhD/DBA. So know your industry. Don't educate yourself out of a job. In these cases, if you feel a desire for additional education, you may do better getting a grad certificate from a reputable school, rather than getting a full PhD. So think this stuff through. And then try to find the most reputable program that you can. In general, you do want one tied to a reputable (ideally, highly reputable) brick and morter university, rather than one offered by a uni that's famous for being either online or for-profit. There are not a lot of reputable online PhDs available, although I'm seeing more of them in the past 1-2 years. Business is one of the fields, along with computers, where the availability seems to be increasing. I think I remember the following schools having online PhD business, but you'd need to double check, because this is just from my (admittedly fuzzy) memory: UMass Amherst, Iowa State, Northeastern, Carnegie Mellon, RPI, maybe Penn State. Maybe U Maryland. U Nebraska. U Denver. Maybe BU? And I believe the University of London, via its external programme.
  • I'm looking for something like this as well, but in education. I've spent the past few hours looking at: alleducationschool.com petersons.com gradschools.com Most that offer doctoral degrees have some kind of residency requirement, from a couple of seminars to a full year. Hope you have better luck than I've had so far!
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  • I need help. I am still trying to decide what career to go into, and I am interested in Law. However, I dont know if I should look into Law Enforcement, being a Lawyer, a Defense Attorney, a detective, etc. Can someone please give me some ideas about what classes are needed for different careers, good colleges, pay, etc. I live in Illinois and I am looking to stay here. I plan on having a family as well, so please take that into consideration. Please help!
  • As far as law enforcement, I would not recommend that. You have to be big, strong, and tough, or the punks, thugs, and scumbags you deal with will cut your throat or take your gun away from you and shoot you. You better know how to use a nightstick extremely well as you will undoubtedly be challenged to fight almost every time you go out. And if you lose a fight, you lose your life. Most police departments require at least 2 years of college, plus you have to be squeaky clean in everything . . . job history, credit, no criminal charges of any kind, perfect driving record, perfect physical health. You would go through a very intensive screening process and a very demanding physical battery of tests. Then you go to the police academy for 12 weeks. Then you become a patrol officer. After 3 years, you can take the test for detective, SWAT team, etc., but those jobs are usually given to veteran cops with 10 to 15 years service. As a patrol officer you would start out on the graveyard shift (11pm to 7am). You would work all weekends and all holidays, very little time for family or anything else. You would be dealing with the scum of society, drug dealers, pimps, prosties, etc. My brother was a police officer for 8 years. He worked undercover narcotics. One night during a drug raid, he was ordered to shoot and kill another cop. He refused, which led to them discovering that he was an undercover cop. The drug lords made him an offer. They would give him $100,000 cash and he would join the drug gang. If he refused, they would kill him. They would not let him keep his job as a cop. In order to save his life, he had to quit his job and move 400 miles out of state. As far as being a lawyer, NOT recommended. There is now a huge glut of lawyers and has been for over 10 years. There are thousands and thousands of people planning to go to law school and become lawyers without checking the job market. When they graduate from law school they will be unemployed because there are NO jobs for lawyers. Many law graduates are now suing their colleges because the law schools misrepresented the job market to them. All the schools want is the students' money and they will lie to get it because they are desperate to stay in business. There was a recent story and interview on TV about a law school graduate of New York City Law School. He was 26 years old and working as a waiter at a pizza shop for minimum wage as that was the only job he could get. He had a student loan debt of $230,000 from law school and will be 65 years old when he gets it paid off. Is that really the life you want? Enjoy If I were you, I would choose the medical field and try to become a doctor. The top 20 jobs are all Medical Doctors. Or, if you consider business, choose Accounting. All of the other fields in business are too general and you'd never get a job. Accounting is an excellent field. Sorry this is so long. I just wanted to put my 2¢ worth in. Hope this helps you. Good luck.
  • The following is taken from the link attributed: "Summarized from the book ‘Throw Them All Out’ by Peter Schweizer These are the key players responsible for diverting stimulus money to Barack Obama and DNC campaign contributors. If investigators are looking for a smoking gun, the below individuals are the ones with gun powder residue on their hands. After these individuals’ first 18 loans, the GAO audited the financial transactions and “found that NONE were properly documented.” Companies •Goldman Sachs: Owns Cogentrix and US Geothermal. Donated over $1 million to Barack Obama. Received $96.8 million in stimulus funding. •BP Oil: Gave more money to Barack Obama than to any other candidate in 20 years. BP Oil received $308 million in stimulus funding. BP Oil was the only oil company in the world to receive free stimulus grants. A government audit revealed that the $308 million created a total of 23 jobs. Individuals •Nancy Ann DeParle: Granite Reliable Wind, CCMP Capital, White House Deputy Chief of Staff. •Steve Westly: Owned interests in Tesla, Recyclebank, Edinq, Amirys Biotech. Was an Obama donor, then Obama campaign Chair, then appointed to President Obama’s Dept of Energy Advisory Board. Took part ownership to two more stimulus recipients; Amonix and Cal Star Products. •Ian Cumming: CEO of Leucadia National, owns Leucadia Energy which has only 1 employee. Appointed to Obama’s National Finance Committee. Received $3.4 billion in stimulus funding. • Louis Susman: Vice Chair of Citigroup Global Partners, part owner of Solar Trust America, Obama bundler, appointed to Obama’s National Finance Committee. Received $2.1 billion in stimulus funding. •Michael Freeman: Obama classmate, then Obama bundler, then Citi-Alternatives CEO, then Deputy White House National Security Advisor. Citi-Alternatives was part owner of Solar Reserve which received $737 million in stimulus funding from the Dept of Energy. •Robert Kennedy Jr.: Son of the famous Robert Kennedy. Brightsource and Vantage Point Partners (25% owner). After his high-profile endorsement switch from Hillary Clinton to Barack Obama, Kennedy’s company took home $1.4 billion in stimulus funding. •Pat Stryker: Owns Bohemian Co. and Abound Solar. Made $1.4 million in contributions to Barack Obama and the DNC. Received $400 million in grants from the Obama administration. •Jim Rogers: Duke Energy CEO. Used Duke Energy corporate money to guarantee a $10 million line of credit to the DNC for the 2012 Democratic Presidential nominating convention. Received $290.4 million. An audit revealed that $90.4 million in stimulus money was paid to Duke for a project that had long been completed already. •Bob Nelson: Member of Obama’s National Finance Committee. Founding Partner of ARCH Venture Partners which owns Sapphire Energy. Received $135 million in stimulus funding. •Michael Polsky: Obama donor, DNC donor. Paid for part of Barack Obama’s 2009 inauguration. CEO of Invenergy LLC, which owns Vantage Wind. Received $128 million in stimulus funding. •Eric Redmond: Former Democratic Senate staffer. DNC donor. CEO of Summit Energy. Received $1.5 billion in stimulus funding. Government audit revealed the $1.5 billion created 8 jobs. •Vinod Khosla: Obama donor, DNC donor, Obama advisor. Part owner of Coskata which received $250 million in stimulus funds. Part owner of Nordic Wind Power which received $16 million in stimulus funding. Part owner of Alta Rock which received $25 million in stimulus funding. •Cathy Zoi: Dept of Energy Grant Director during the stimulus funding. Left the DOE in 2011 to work for George Soros. •Warren Buffett: The #1 profiteer of the taxpayer funded stimulus program. Obama donor since 2004 when the future President was an unknown Illinois State Senator. In 2008, Buffett became one of the President’s Senior Economic Advisors. Buffett lobbied hard for the $700 billion dollar bank bailout called TARP, as well as the near trillion dollar stimulus program. Buffett-owned banks just happened to receive $95 billion of the $700 billion bank bailout. ..... •George Soros: The #2 profiteer of the taxpayer funded stimulus program. Also began funding Barack Obama in 2004 when he was an unknown Illinois State Senator. Funds the Democratic Party with millions of dollars in contributions. During stimulus planning, Soros held regular meetings with White House officials including Obama Senior Economic Advisor Larry Summers. Soros funded the Center for American Progress, an Obama front group. John Podesta moved from Barack Obama’s White House Transition Director to executive director of Soros’ Center for American Progress. While meeting with White House staff and advising the President on stimulus spending, Soros was quietly purchasing shares of companies that would receive funding."
  • hello guys!! i would like to share my experience with http://www.oggus.com/ i bought a windows 7 product key it's amazing working very well,so my advise to all you can trust them!!
  • Face it -- Obama is corrupt.
  • 0%. There were no direct subsidies, there were plenty of tax breaks, but that is the Gov't just giving them their own money back...right? Whatever your own uneducated opinion of the stimulus may be, all economists agree that it prevented a full on depression.
  • It is possible that a creditor or collector can pursue legal action against a debtor, regardless of the time that has passed from which the account has been delinquent. Below I will explain the how the statute of limitations works. Afterwards, I recommend you visit the link http://www.bills.com/collection-laws/. This link will provide you with more information regarding the collection and protection laws in your state. All states have a body of statutes in their codes of law called, "Limitations of Actions," commonly referred to as the statutes of limitations. The idea behind these laws is that we as a society have decided that we don't want old debts hanging around forever -- we want people and businesses to be able to move on with their lives without worrying about being sued. The length of time a creditor has to sue you depends on your state of residence and the type of debt. For example, many states allow longer for creditors to file suit to collect on closed-ended consumer loans than on credit card debts. Most states give credit card issuers three to four years to file suit after default, but some states allow as many as 10 years. Check out the Bills.com Collection Laws and Statute of Limitations page. The site I just mentioned has more information about statutes of limitations and a list of limitations by state. If a creditor files a lawsuit after the allowed time, the court will usually throw the case out and not allow the creditor to file suit again (called dismissed with prejudice). However, you must raise the issue of expired statute of limitations in a written response to the lawsuit, or else the court will not know that the statute of limitations has expired. Although the periods vary from state to state, I believe that there is only one (Ohio) that is longer than 10 years. Remember: The passing of the SOL does not mean that a creditor cannot sue you. It means if a lawsuit is filed you should have an absolute defense against the lawsuit if you raise the defense. Also, keep in mind that the passage of the SOL does not prevent a creditor from calling you to collect on the debt; it simply provides you an absolute defense in court if the creditor files suit. I hope this information helps you Find. Learn & Save. Best, Bill
  • Yes, there is a statute of limitations, however, the debt can be purchased and you can be sued again by the new claimant. If they have a judgment against you (depending on your state's laws) they can do many things to attempt to collect the debt. You can either try to keep hiding from them or come forward and offer a settlement.
  • they could also flow after your resources (possibly they imagine you've none). they could take 25% of your pay. And assume some added garnishment prices, court prices, and legal expenses added. on your destiny: in no way make a vehicle personal loan for more suitable than 3 years. (Suze Orman instruct). in case you could't locate the money for the funds on that, then you definitely can't locate the money for the motorized vehicle.
  • they cant garnish your wages. they can just take the car back. they cant garnish your wages unless a court order....
  • Typically they'll come after you within a year or two.
  • Follow These Steps to Starting a Business Starting a business involves planning, making key financial decisions and completing a series of legal activities. These 10 easy steps can help you plan, prepare and manage your business. Click on the links to learn more. Step 1: Templates for Writing a Business Plan Use these tools and resources to create a business plan. This written guide will help you map out how you will start and run your business successfully. Step 2: Get Business Assistance and Training Take advantage of free training and counseling services, from preparing a business plan and securing financing, to expanding or relocating a business. Step 3: Choose a Business Location Get advice on how to select a customer-friendly location and comply with zoning laws. Step 4: Finance Your Business Find government backed loans, venture capital and research grants to help you get started. Step 5: Determine the Legal Structure of Your Business Decide which form of ownership is best for you: sole proprietorship, partnership, Limited Liability Company (LLC), corporation, S corporation, nonprofit or cooperative. Step 6: Register a Business Name ("Doing Business As") Register your business name with your state government. Step 7: Get a Tax Identification Number Learn which tax identification number you'll need to obtain from the IRS and your state revenue agency. Step 8: Register for State and Local Taxes Register with your state to obtain a tax identification number, workers' compensation, unemployment and disability insurance. Step 9: Obtain Business Licenses and Permits Get a list of federal, state and local licenses and permits required for your business. Step 10: Understand Employer Responsibilities Learn the legal steps you need to take to hire employees. The first few months of my business I spent setting up a legal structure, registering the business name, implementing an easy accounting system, setting up a business checking account, establishing a line of credit and obtaining business insurance. Each item was time consuming but not difficult. The more difficult work was writing my business plan and marketing plan. I talked to professional colleagues and volunteers at the Small Business Administration and SCORE, and read books on marketing. The process was slow because I was learning along the way, but I now use both business and marketing plans as daily roadmaps to guide my actions. One of the easier and fun parts of the first few months, for me, was working with a designer to create a logo, business cards, stationery, brochure and Web site.
  • You should start with a friend that shares your interests. It takes a very long time to learn how to pick up and hear EVP. I would start with an inexpensive digital recorder and just try recording at first. Spend time learning how to load the files to your computer and listen to them. Buy an inexpensive emf meter and practice with that. You should also read all that you can find about the subject. The more you learn the better prepared you will be to become an investigator. As with anything it takes time and patience to learn. Investigating can be very boring work, long hours and no pay. It is something that you must be passionate about.
  • In commencing a business enterprise: character:- In determination making ,commentary of situational factors, Interacting with new human beings,time and private administration, sincerity in protecting the money owed etc. field decision:- in accordance which contain your section,and the contest to stand or maybe the climate situations of your section and financial prestige of the human beings , the infrastructure necessary etc . merchandising centers:- could make a throw surway in sensible. earnings and lose calculation-very final. Spent some money to get all info then you definitely gets a sparkling thought. desires.
  • I enrolled at DeVry Orlando, FL last May and had another student threaten my life on a public discussion site since she didn't want to participate in a mandatory group project. My Professor, Deans, administrators were all aware of it but didn't intervene so I ended up having to leave their Univ. for my safety to prevent a tragedy like at Virginia Tech. Since I didn't return to complete my courses there after the lack of concern for student safety on campus I am now unable to repay my loans which DeVry received as payment. Beside that incident, I had an EET instructor teaching a CIS course and referring to our class as guinea pigs in an email since he was new to teaching at DeVry and not familiar with the course. The gaming students were teaching him how to teach a core course for CIS. I feel DeVry did not follow through in delivering a high quality education they promised upon my enrollment and would like to receive a Full Refund.
  • DeVry is not viewed as a highly regarded school in most states. It’s a scam. They lure students in with the prospect of a faster route to a high quality college education & degree that will improve your earning potential. That's the bait and it's a trap. You won't get ahead in a reputable company with a DeVry degree. You'll end up at best with a useless education and a worthless degree and an enormously high debt. Your credits won't transfer to most credible community state funded colleges even though that's one of the main incentives the admissions office personnel lure students in to enroll at their school. The reputable technology companies they have listed for potential employers rarely hire students to higher level positions with a DeVry degree and most don't acknowledge DeVry as an accredited University. You might get a job taking out the trash or some job that wouldn't require any degree at all. Don't expect to move up in any position with a DeVry Degree either. The $68,000+ for a DeVry Education rewards a student with a worthless Degree that most known companies wouldn't hire from for higher positions. You could write a detailed review of DeVry in Orlando, FL. You attended at the link below: A lot of news media takes special interest in writing local news articles from these complaints to inform the community of the problems in the area. “School Safety Issues” is very high on the awareness list for potential students to enroll at any college campus with the recent school shootings around the US. www.ripoffreport.com There are several other sites on the Internet you can look into to file a fraud report on the quality education they don’t provide and the more negative publication DeVry gets might help their executives in Oakbrook Terrace, Illinois wake up to the significant problems you described on their campus. Sorry to hear about your awful college experience at DeVry and it seems their executives haven’t taken the time to watch the news of sometimes avoidable tragedies that occur on our college campuses. Some school administrators, teachers even at Virginia Tech. and other Universities only come forward after tragic incidents with their knowledge that the shooter was someone of interest for the safety of staff members and other students on their campus. But sadly all they can offer to the victim’s families is an apology, kind words of regret, but continually overlook on improving the “Communication” between staff and student concerns to resolve safety issues which is vital to maintain a safe campus. Hope DeVry refunds your tuition in full as a good business strategy to remain in business with some credible reputation after what you endured at their school. You're best bet if you decide to continue your education is an accredited state funded community college like UCF or FSU, where the courses are twelve weeks with a qualified instructor instead of eight weeks at DeVry. The credit hours are more reasonable too and you'll receive a "real degree" that is accepted by employers in other states too.
  • Wow! How frightening. Perhaps contact the dean of students if even as a formality and reiterate the situation and if no resolve, look for a non-profit civil rights/legal aid group to advise. The yellow pages of your county phone book may have something under 'legal', 'law' or 'social service organizations' or perhaps even the blue government pages. I don't personally know about this website though here is the url: http://www.floridalawhelp.orgRegarding those online, for profit schools such as devry and university of phoenix, here is a website started by former students: http://www.uopsucks.com Hoping that you have a much better experience at your future school. For US colleges: http://www.utexas.edu/world/univ
  • I don't have any personal stories, but I've found a few passages and links that might help you learn about this subject. The links below all come from manuscripts of the Federal Writers' Project, 1936-1940. They are mostly first-person accounts of life in Chicago in the late 30s. The first is a 1939 interview with an African American meat packing-house worker. Here's one of his stories: "They have a 'credit union' in Armour's, keeps a lot of people out of the CIO. If you want a loan from them you have to have a 'good' record. Well, some fellow, colored fellow, he tried to get a loan. They knew he was a Union man, so they made it hard for him. Told him to get some worker with a bank account in the credit union to vouch for him. Fellow went and got Charlie. Charlie'd been in the yards a long time and he happened to have some money there. He walked into the office and signed them papers, and them in charge of the loans with their eyes popping like a fish' out of water. Manager asked Charlie to step into his private office, he was so upset. He said to him, 'You really mean you want to sign for that man, and he a colored man! I hate to think of a white man would want to take on that responsibility.' Charlie, he's Irish, and he looked at this manager and grinned. He said, 'Well, sure now, I do appreciate that bit of advice, seein' you ain't chargin' nuthin' for it. But that black boy's my friend. He works with me. He's a union brother and I guess maybe you're surprised to hear that I'm with the union, too! So just save that advice of yours for somebody don't know no better.' Walked out of there and slammed the door. You think that colored fellow didn't get his loan? He got it. Manager couldn't do a thing. He really spoke his piece out of turn that time. Got a union man mad, that time, and got himself told." There are over 70 in all from Illinois residents, including interviews with cab drivers, postal workers and people that sell fish. I've supplied direct links to a few. The entire set can be found at http://lcweb2.loc.gov/cgi-bin/query/S?am...Also, if you live in the area or are visiting, there's a great resource for learning about African American history called the DuSable museum. It's in Washington Park, not far from the Museum of Science & Industry and the Universtiy of Chicago. I've been there and I want to go back. A link to their website is below. Hope that helps. This was an interesting topic to research. Good question!
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