Retirement management

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so, this is a paragrapgh from an article I read earlier. it doesn't make sense that they charge 7,000 a month on their credit cards . they say that if they can't pay the balance off each month, they will do without food. they're not charging their meals on credit or what? what is more important that food and shelter? and how is 7,000 to 10,000 in credit card debt such a big deal for someone that clearly makes good income /(seeing they charge 7,000 a month and only have 7,000-10,000 in debt) my mother is in 20,000 in debt and only makes 12,000 a year..... article: Ever make a totally committed promise to use credit cards wisely? It may be time you did. Marcia Noyes and her husband of Golden, Colo., regularly held credit card balances between $7,000 and $10,000. "We used to pay just the minimums," says Noyes "even though we were wallowing in debt." A stroke of good fortune was the catalyst they needed to make an abrupt change with how they dealt with credit: Her husband's early retirement package enabled them to pay down the debt all at once. "We made a vow right then that we would never again pay the minimum on any credit cards," she says. "Now we use the cards instead of them using us." The couple charges about $7,000 per month but then pays the bill off. Noyes admits that staying on track isn't always easy, but that vow is sacred, saying, "We'll do without food before we don't pay a credit card in full." Today, they track every penny and have perfected their money management routine. "Once you get out of the minimum payment habit," assures Noyes, "it becomes a way of life."

Let say this has happen to me last 4 years no raise yet Im the Top Crew person in the Mid West Region for 10 years running.. Change of management team and I am doing everything wrong. I am no longer the best. All bogus.been in the company 18yrs can not make any more money than I have. now they cut hours to the point of being Part Time which now I can claim unemployment since I am full time. Why do they commit such outlandish ruse to get rid of people who have pride in the work they do and dont intend to leave till retirement? also no other person is willing to learn my job let alone help me. Management wont even learn it to back me up for a day off.

Today whole of Pakistan hockey team announced retirement along with the team management after their poor performance in hockey world-cup. http://www.geo.tv/3-11-2010/60877.htm http://timesofindia.indiatimes.com/sport… Hopefully I would find some hockey fans, I mean other than Ice hockey :P

*Battle of the Animals: Two of your brands most vicious animals have singled you out for destruction. Oh, and they want your championship. Expect plenty of brutality and Mr Mcmahon thinks you dont stand a chance. *Gladiator: Mcmahon wants the brand toughened up with brutal matches and humiliatingsituations and with ECW as his own enforcers he just my get his way. *Respect: you must earn the brands repect by first earning it from a real hardcore hard case. theres a legend in the making willing to help you Can you trust him? *A Woman Scorned: The number 1 contenders girl wants to get with you. *Lone Ranger:Foley comes out of retirement for the title. When Foleys ECW running buddies interfere will it cause a truce between you? *When hollywoods collide: Stephanie McMahon auditions you and someone else for a movie. You get screwed but your GM knows a certain Electrifying Superstar in Hollywood. (Maybe the rock finally has speaking parts) *Big Brutus:Rival brand offers you help to keep the title as long as you jump to their brand. *bully: Prove you are the big dog to get the title. *Stephanies Court of Queens" Divas flirt with boyfriends and you wind up involved. *Married And Buried: Stephanie McMahon wants you and what starts as a walk down the aisle ends up a buried alive match as Mr Mcmahon doesnt want you in his family. *Boot Camp: ECW's Tommy Dreamer becomes Raw's GM and wants to toughen the brand up with some hardcore management. *Lashing Out: One ECW superstar has decided that domination of his own brand isnt enough. He wants to decimates yours too. Can you pcik the right partners or end up alone to fight? *Queen for a day: The queen diva of the brand has no doubt that her king will emerge victiorious with your championship, but she cant wait. When the gold gets stolen you lead a one man revolution. *Diva Search: A friend of yours is passed over for the numer 1 contendership spot at the PPV. Hes okay until his girl wants you. Can you get the girl, beat your best friend and become champion? *Diva Contract Switcheroo: ((I hope this isnt a candice 07 storyline)) A group of witchy divas mesmerize your GM into giving themm blank contracts so that they and their boyfriends can run the show. *A house divided: You side with Shane against Vince. *Running the Gauntlet: Vince puts you against all brand superstars in gauntlet match, but shane is there to help you. *Battle of the brands: With survivor series coming, Mr Mcmahon supports a rival brand, Stephanie is willing to lend you her ECW recruits for help. *The Legend of Mr McMahon: At the urging of ECW GM, Mr McMAhon inducts himself into the WWE Hall of Fame. His kids are ****** and want you to ruin his party. *Money in the Bank: MITB comes early at New Years Revolution. If you win you are guarenteed a title shot but you can also take it at the next PPV right after the current champions title defense. *This is Hardcore: ECW's GM urges mcmahon to ressurect the Hardcore Championship and decides to let you compete for it. Fight alongside vinces kids to embarass Vince and walk out the Hardcore champ. (HARDCORE CHAMP IN SEASON :D) *War of Kings: Vinces kids recruit you and a pair of kings to dethrone VInce. But Vince finds out and they blame the whole thing on you. now the kings are against you alongside all three mcmahons. Barbarians at the Gate: When Vince finds out his kids are conspiring, they blame you and he decides to take it out by demolishing your brand. Lead a group of wrestlers to take them down. *Super Natural Selection: When smackdown GM objects to Vinces plan to use smackdown superstars to take you out, hes places on indefinite leave and replaced with Steph who puts you against someone in a hell in a cell. *No Way Out Alive: Raws GM has no problem using his stars to help take you out for Vince. Face one of his toughest stars in a steel cage at the PPV *Mr McMAhons enforcers: RAW GM is replaced with Shane O who teams with VInce and Steph to use all brands to take you out before wrestlemania. The Ex GMs May be some help. *Total Elimination: Shane is RAWs GM and offers the champ to beat you down before wrestlemania to ensure a victory but the champ refuses. Team with the champ to take out Shane and his henchmen before wrestlemania. Thats the one's I know about and hoave found a few glitches already: * I was Edge, and was sent an angry e-mail... rom Edge. Next thing I know I'm having handicap matches: Edge vs Mr Kennedy and Edge ?? * I keep getting e-mils saying "the most electrifying man wants to make a movie with you" or "The peoples champ and you make the next hollywood blockbuster". WOW, Roddy Piper and Edge feature: "The Piper and R Connection!" * Simulation of a year which we know about * Coach asked me if I wanted to go to Raw. I said Yes, get that, YES - Y-E-S. The next week on Raw, Coach and I are in the ring, and Coach says, "I'm sorry, I know what you tol

Here is the situation, a lot of things have been happening fast, and I'm stuck at a crossroad. College is coming up real soon, and at this point I'm confused on what I should go in for. I'm constantly back and forth between teaching (always been what I wanted to do) and going into business (I studied this all throughout high school, and even a little bit on the college level). I under with teaching, it's low paying, but rewarding, and I have to complete anywhere from 4-6 years of school to find a job. With going into business, I can continue working for the company I do now and move up into management (making for $100,000 annually), I don't really have to go to college, but I think it would help me out to at least get a associate degree, or maybe even a bachelor's degree one day. I'm very conservative, so I don't really like taking risks, with going into teaching I consider that a risk, because 4-6 years of school can get expensive, and it's not promised I could get a job as a teacher, then I would be stuck. With staying where I am at now, I could retire 7-8 years before I could teaching, it's a secure job, and I believe I have what it takes to move up into the management position. What would you do in my situation? I know it's a weird question, and I know I'm too young to be thinking of retirement, but I've always been a planner, I can't stand doing something without a direction of which it might take me. I typically always have a back-up plan. One reason why I am more shifted to stay where I am at now is that I could maybe even go into some kind of business venture myself. I've done numerous projects in school where I had to write a business plan, or something of that nature. It's always been somewhat of a dream of mine to open a restaurant of my own (I love to grill, and I love bbq, so I would open a bbq restaurant). I'm not looking for a smart-a response, I am looking for some advice, maybe someone who has traveled down the path I am looking at now. Thank you in advance.

...weekends or evenings -$10/hr+ I would like to do some work from home to help pay off my mortgage earlier. Then I could possibly quit my current job and continue with the home job working in a semi-retirement fashion. My background is working in IT Healthcare and IT Security management. I programmed many years ago in RPG and COBOL so any new language would have to be learned. I learn fast so I am up for learning something new if needed. I am open to any suggestions, but would like to make at least $10/hr and be flexible with when I work.

This is a hypothetical open letter issued to the employees by management during downsizing Dear employees, Due to the current financial situation caused by the slowdown of the economy, Management has decided to implement a scheme to put workers of 55 years of age and above on early retirement. This scheme will be known as RAPE (Retire Aged People Early). Persons selected to be RAPED can apply to management to be eligible for the SHAFT scheme (Special Help After Forced Termination). Persons who have been RAPED and SHAFTED will be reviewed under the SCREW program (Scheme Covering Retired Early Workers). A person may be RAPED once, SHAFTED twice and SCREWED as many times as Management deems appropriate. Persons who have been RAPED can only get AIDS (Additional Income for Dependants and Spouse) or HERPES (Half Earnings for Retired Personnel Early Severance) Obviously persons who have AIDS or HERPES will not be SHAFTED or SCREWED any further by Management.

Hello everyone. I'm a recent college grad who's trying to be smart and make the best decisions with my money. Since I am completely financially independent for the first time, I don't have much experience with money management. I am coming into some money, about 30K, and I am unsure about what my priorities are (which debts to pay off first, or to put into retirement fund etc.) So this is where I need help. The current situation: -I currently make about 40K per year. -I have a 6K emergency fund. -No credit card debit. I have an excellent credit rating. -The only debt I have is student loans. I went to a more expensive school and I currently am paying back 52K at $400 per month. There are 4 individual loans (12K, 9K, 16K, 14K). They are private loans with low (but variable) interest rates ranging from 2.75%-3.75%. -So far no type of retirement savings. Looking into it. -I have about 300-500 left over at the end of every month to save depending. Where do you think this money should go? Pay off the loans first? I don't want these loans to crush me financially in the long run- I know it was dumb to do private loans but my parents (and me at the time) didn't know of any other way to fund my education. Please let me know what you think!

An employee ( General manager Accounts) has retired in January but the management wants him to continue his service for one more year.

Narcotics units -Immediately grow facial hair, tell everybody you were ordered to. -Start watching every episode of Monster Garage. -Buy a biker wallet with a big chain. -Make every case involve overtime $$$. -Buy bunches of boats, RV's, and motorcycles with that overtime. -Learn to play golf drunk. SWAT units -Wear team T-shirts, Oakley sunglasses and boots everyday. -Try to fit the word breach in to every conversation. -Have a mirror handy to check hair, if you have hair. -Never say hello to anyone who is not an operator, just practice your SWAT head nod. -Subscribe to Soldier of Fortune and Muscle and Fitness. -Learn to play golf wearing a gun. Community Service units -Hate SWAT. -Work to make everybody love you. -Paint your office in pastel colors. -Think Feng Shui. -Subscribe to Psychology Today. -Learn to play miniature golf. Traffic units -Write tickets to EVERYBODY. -Spend every weekend cleaning your bike and polishing boots. -Annoy everyone on the radio calling out your stops. -Talk about nothing but how many tickets you wrote in one day. -Ride by a building with big windows to see your reflection. -Golf is lame, motor rodeos are cool. K-9 Units -Become sadistic -Show pictures of your latest dog bite -Brag about your largest drug find -Smell like a dog -Workout 3 times a day -Show off your bruises Administrative Units -Three-hour lunches everyday, tell everybody it's a "meeting". -Upgrade police department cell phone every month. -Tell everybody you are published in a national law enforcement magazine. -Update your revenge list on a weekly basis. -Golf Rules! Play lots of golf. Patrol Units -Has nerves of steel. -In a terminal state of nausea from department politics. -Inability to keep mouth shut. -Has defining tastes in alcohol. -Is respected by peers. -Beats the crap out of his caddy on any bogeyed shot Investigators -Come in at 0800 -"Breakfast" from 0815 to 1030 -Work from 1030 to Noon -Noon to 1400 Work out and Lunch -1400-1700 Sit in CID and talk about how many girlfriends you have and how the wife doesn't know. Plan your next RV, fishing, motorcycle trip. Patrol Sergeant -Remembers very well "how we used to do do it." -Always willing to tell his officers the above. -Tries to fit the word "liability" in to every sentence. -Talks about "what he's hearing from upstairs." Trainee -Unable to grow facial hair. -Watches every episode of Cops. -Worships the ground the SWAT guys walk on. -Arrives for work three hours early. -Thinks the sergeant is thrilled to see him. -Won't drink on the golf course because it violates the open container ordinance. FEDS - Shave head, and grow goatee (unless you want to be a management weenie, then make sure you are clean shaven, with short almost military style haircut). - Wear 5.11 pants, and polo with agency logo (unless you want to be a management weenie, then make sure you always have a shirt and pants to which a jacket and tie can be quickly added for when the boss might be around). - Arrive at work at 8AM, spend one hour answering useless emails, and 30 minutes checking your retirement investments. Then go with another agent to Starbucks "to discuss your a new case." - After participating in your first warrant service (as outside cover) make plans to join the agency SRT,SWAT, etc, to "properly utilize your superior tactical skills." - After doing your first buy bust, immediately begin asking the boss about "long term undercover" jobs. - Refuse to play golf with "the locals." New Corrections Officers - Show up for work 15 minutes early - Buy only the best ink pens (Pilot G-2) - Wear T-Shirts of your "dream department" under your uniform - Wear a full duty belt of gear even though you have to remove: gun, baton, spare magazines, knife, cell phone, and BUG when you arrive at the facility - Become friends with every local police officer - Continue eating too much and not exercising

http://www.reuters.com/article/idUSTRE60U1PZ20100131?type=politicsNews%3FfeedType%3DRSS&feedName=politicsNews&utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Reuters%2FPoliticsNews+%28News+%2F+US+%2F+Politics+News%29&utm_content=Google+Feedfetcher "WASHINGTON (Reuters) - The White House predicts that the United States will post a record $1.6 trillion budget deficit in the current fiscal year, a congressional source told Reuters on Sunday. In its budget proposal to be released on Monday, the White House predicts that deficits will fall to $700 billion by fiscal 2013 before gradually rising back to $1.0 trillion by the end of the decade, the Capitol Hill source said. The estimate by the White House's Office of Management and Budget paints a grim picture for U.S. finances over the coming decade, even as the economy recovers from the worst economic downturn in 70 years. The White House estimates that the deficit for the current fiscal year, which ends September 30, will be even higher than the record $1.4 trillion gap recorded last year. That would mean that the deficit will continue to hover at a level not seen since World War Two, when measured as a percentage of gross domestic product. Deficits are projected to fall as the economy recovers, but they will still average roughly 4.5 percent of GDP over the coming decade, well above the 3 percent that most economists consider to be sustainable, according to the estimate. Deficits are expected to rise again toward the end of the decade due to the increasing cost of retirement and healthcare programs as the "baby boom" generation retires." What are your thoughts on the article?

Organzitional Behavior 1- In managing organizational behavior, the importance of attitudes: is determined by observation. rests with understanding non-productive behavior. can be assessed from observing non-work behavior. lies in their link to behavior. 2- An important intermediate step between goal acceptance and goal accomplishment is: goal commitment. goal clarity. behavior/reward contingencies. goal specificity. 3- According to Cannon, __________ responses return the body to a state of homeostasis in response to stress. physiological psychoanalytical social psychological psychological-cognitive 4- Information overload for employees or a lack of sufficient information for performance and task accomplishment can result from: a failure by management to filter and disseminate information selectively. the tendency to use overly rich mediums of communication. inappropriate use of the perceptual window. advance notice of organizational changes. 5- An example of a rite of enhancement is a/an: job transfer. kick-off banquet for the introduction of a new product. employee-of-the-month award. retirement party. 6- All of following are aspects of globalizing an organization EXCEPT which one? Rethinking the most efficient ways to use resources Disseminating and gathering information Developing people Focusing on behavior rather than attitudes

I live in the state of Michigan (Detroit), I has hired as a waitress for a retirement home located in (Southfield, MI) July of 2009 my start date was 8/6/2009 I had to wait so long to start for the paper work to go though.... well anyways the management there sucked and we were always short of waitress/waiters so I was always picking up extra shifts or getting called in on my days off, to the point I was working on all my days off Working breakfast lunch and dinner and still cleaning up the dining room and kitchen. I made $8.50 per hour (NO.TIPS, because its a up-scale retirement home) I started off 3 days per week, over time I was working 7 days a week, some days 7am-8:15ish pm and other days 3:45pm-8:15ish pm, now my question is 1) We were not post to work past 7:45pm but are side jobs (CLEANING @ NIGHT) took so long nobody was out of there before 8pm their was no way and if you didnt finish your side job you would get bitched at wrote up and possible fired..... and even if you signed out the time you got done you would only get paid until 7:45pm so it was like working for free...... it was some bullshit, the chief was vary disrespectful to everybody who worked there and it was a real stressful job, I mean I loved being a waitress but my boss and how they cheated us made it crappy.... can I do something about getting my lossed pay???? Question 2) In October I hurt my back and work but continued to return, I couldnt lift my tray because the pain was so bad and the chief yelled at me and said to carry it right (over shoulder) or it will come out my next weeks pay and I'll get written up, so rather then carrying it by my side in one arm I held it over my shoulder in one arm causing the pain to worsen.... my back gave out and a co-worker had to help put the tray on tray-jack, I was mad the chief was so rude and crying because the pain I left my patron with out serving the food and walked in to the kitchen to talk to the chief, in the walk-in freezer I found him and I said I cant take it anymore I try to talk to you and keep my cool but Im in pain and you know I got hurt and cant lift that tray Im trying my best but when I try to speak to you, you yell and wont let me say what I have to say w/out telling me Im going to get fired, or calling me a bitch.... or what ever my back is killing me and I still come everyday even on my days off you tooken advantage of me and disrespected me bu my health is on the line chief can you please just let me take the rest of the night off (hour & 1/2) so I can go to a E.R or something???? he then was like its only a hour and 30 minutes left cant you just wait it out since we are already 2 people behind and go see a doctor in the morning..... he then called the dishwasher into the walk-in and told him to lift my tray cuz I cant do it and help me out until he goes home. then he told me to get a list of doctors to go see in the morning before work to prevent the company to get sued and then walked away...... I didnt want to wait but this man wont let me talk..... so I stayed did my job in tears or pain then the next day see the doc, she gave me sum meds and 3days off.... I took my paper work to my boss so he knew what was up and he told me when he broke his leg he still came to work the same day and even tho I got the paper will you stay anyways I mean I know by law I got to give you 3days but I really do need you..... I said I cant Im in to much pain, he was like well if you can recover faster and come in let me know, I was thinking you asshole but said "OK I will" then left..... few days latter I couldnt walk/eat/pee/poop all I did was sleep and had a high temp of 106 and throwing up WHAT CUZ I DIDNT EAT I.D.K!!! I then was sent in to the E.R by EMS and then stay in hospital for 2weeks....... everyday I would call my boss w/updates and he said to keep in posted and when Im better I can come to work, so I did just that...... my discharge day came and I took up my discharge papers to him to copy and get my check..... the hospital said can work for 1week until after my fallow up visit..... he said next week I can be put on the schedules so I thanked him and went home...... next week I called and called to get my hours but he was ducking and dogeing me so I went up and he said the big boss fired me and blah blah blah so I called him in Florida and they said they didnt fire me, my grandpa died and on my birthday I was at the graveyard putting him 6feet under n paying my respect 2 him... I then got a phone call asking to come in to work 2night.... happy to have my job back I asked for a day because my grandpa died....they said just come in 3days at 3:45pm so I did, 2days latter they fired me again like I knew they would...... They only brought me back so they wouldnt get sued and then let me go for no reason at all :(. what can I do about this?????????

There are probably a million other people out there just like me but here goes. I am mid 40s, and I feel stuck yet at the same time fortunate. I live in the same town that I was born in, have all my life, have a wonderful family that is well rooted here, we have a fine home - everything that life offers. I make well over $200,000 a year salary, which is a great living in this market. I am one of the highest paid employees at my company. Yet there seems to be a "glass ceiling" preventing me from moving up to that last rung or two on the organizational chart. I've been promised and assured promotions for years, but for whatever reason, it never happens. And while I have somewhat of a high profile job with lots of perks, no micro management, a part of me is ashamed that I haven't moved even higher at this point. If I was to move higher, it would mean increasing my salary by 50% maybe even more but would mean a lot more headache too. More politics, meetings, hob-nobbing. I don't want to move, because we have deep roots here and it would be very hard on our family. And I can't go to work for another co in town making anything close to this because it's a small town. I do have a contract that says if they ever let me go I'd get 15 months pay plus all my benefits - that's about a $250,000 buyout essentially. I guess it just really hurts my pride to think I could actually head into RETIREMENT someday at precisely the same level on the organzational chart that I have been for over a decade. I feel that I darn well could have accomplished 100 times more if I was ever just given the chance, and I'm angry about that. Yet the pay is fantastic, low stress job, and so on. Any advice or perspective from people that have faced this is welcomed.

My husband and I own a 3 bedroom home in an okay neighborhood. It is located in Southern California (San Diego county) and is in a decent city, 6 miles from the beach. We paid it off and own nothing on it but property taxes, insurance and home owner's dues. We can rent it out and get $900/month after all the bills are paid, money is set aside for maintenance/emergencies for the house and after we pay 8% to a property management company. We are wanting to buy another house, but we don't know if we should rent it and use the $900 in rental income towards the new mortgage or just sell it and not deal with it anymore. Does it make sense to keep it long term, use it for rental income and sell it later (YEARS down the road) for retirement when the market is at a high? Any advice?

First of all, when I say "can't stand" I mean in a professional sense, not personal. I work within a management team at a well known company. Let me introduce you to them: Subject #1: Has over 30 years on the job. Lazy, shiftless, yet clever enough to stay employed. Waiting on retirement and does just enough to get by. Subject #2: Skirt-chaser, has attention deficit disorder, childish/immature, no follow through on anything, likes "playing the part" of being the boss, but really has no idea what it means. Politically savvy (knows whose butt to kiss and when), seen as a people-person. Subject #3: Fairly new on the team, smart yet somewhat indecisive, smooth-talker, perhaps a little bit of a slickster. Wants to get along with everybody so tries not to take sides. Me: Structured, rule-oriented, disciplined and believes in consistency of practice amongst the four team players. Tends to get frustrated when the "team" is lazy or lethargic in getting goals accomplished. Believes in candid communication which is seen by some as negative, over-bearing or antagonistic. Our Boss: Knocking on retirement's door. Not at all interested in managing the traits or behaviours that are not beneficial within our team. Would rather plump up your paycheck in hopes that this will appease you from complaining because she doesn't know how to deal with our issues with each other. We are quite a bunch. I dread coming to work but I need this job so badly. I am trying to think of ways to handle the stress of working within this toxic team, but I'm losing a grip on it fast and I don't want to do or say anything that will compromise my job. How can I either deal with the stress and depression that this job is causing me gracefully? I know I am not alone, I know many people hate their work environment. Psychologically, how do people manage to get through the monotone of life on a job you can't stand day by day, week by week, month by month and year by year? Please give me some tips, but don't give me these solutions because I've been there done that: Solution #1: Talk to the boss about it - - - NO. The boss could care less. Solution #2: Quit - - - NO. I need this job too badly right now, got a mortgage to pay and a kid on the way to college. Solution #3: Talk to your co-workers about it - - - NO. Been there, done that, doesn't work. Solution #4: Find a new job - - -NO. Tried to, but have you seen the unemployment figures right now? What I am looking for is COPING MECHANISMS to help me get through the day and help me to deal with the people who I work with without stroking out or having a heart attack.

First of all, when I say "can't stand" I mean in a professional sense, not personal. I work within a management team at a well known company. Let me introduce you to them: Subject #1: Has over 30 years on the job. Lazy, shiftless, yet clever enough to stay employed. Waiting on retirement and does just enough to get by. Subject #2: Skirt-chaser, has attention deficit disorder, childish/immature, no follow through on anything, likes "playing the part" of being the boss, but really has no idea what it means. Politically savvy (knows whose butt to kiss and when), seen as a people-person. Subject #3: Fairly new on the team, smart yet somewhat indecisive, smooth-talker, perhaps a little bit of a slickster. Wants to get along with everybody so tries not to take sides. Me: Structured, rule-oriented, disciplined and believes in consistency of practice amongst the four team players. Tends to get frustrated when the "team" is lazy or lethargic in getting goals accomplished. Believes in candid communication which is seen by some as negative, over-bearing or antagonistic. Our Boss: Knocking on retirement's door. Not at all interested in managing the traits or behaviours that are not beneficial within our team. Would rather plump up your paycheck in hopes that this will appease you from complaining because she doesn't know how to deal with our issues with each other. We are quite a bunch. I dread coming to work but I need this job so badly. I am trying to think of ways to handle the stress of working within this toxic team, but I'm losing a grip on it fast and I don't want to do or say anything that will compromise my job. How can I either deal with the stress and depression that this job is causing me gracefully? I know I am not alone, I know many people hate their work environment. Psychologically, how do people manage to get through the monotone of life on a job you can't stand day by day, week by week, month by month and year by year? Please give me some tips, but don't give me these solutions because I've been there done that: Solution #1: Talk to the boss about it - - - NO. The boss could care less. Solution #2: Quit - - - NO. I need this job too badly right now, got a mortgage to pay and a kid on the way to college. Solution #3: Talk to your co-workers about it - - - NO. Been there, done that, doesn't work. Solution #4: Find a new job - - -NO. Tried to, but have you seen the unemployment figures right now? What I am looking for is COPING MECHANISMS to help me get through the day and help me to deal with the people who I work with without stroking out or having a heart attack. Jabril - Reading is a skill. I have described "me" as well.

As a result of the reduction of money budgeted for the Department areas, we are forced to cut our number of personnel. Under the new plan, older employees will be asked to accept early retirement, thus permitting the retention of younger people who represent our future plans. Therefore, a programme to phase out older personnel by the end of the current fiscal year, via retirement, will be placed in effect immediately. The programme will be known as R.A.P.E. (Retire Aged Personnel Early). Employees who are R.A.P.E.D. will be given the opportunity to look for other employment outside the company. Provided they are being R.A.P.E.D., they can request a review of the employment records before actual retirement takes place. This phase of the operation will be called S.C.R.E.W. (Survey of Capabilities of retired Early Workers). All employees who have been R.A.P.E.D. or S.C.R.E.W.E.D. may file an appeal with upper management. This will be called S.H.A.F.T. (Study by Higher Authority Following Termination). Under the terms of the new policies, employees may be R.A.P.E.D. once, S.C.R.E.W.E.D. twice, but may be S.H.A.F.T.E.D. as many times as the company deems appropriate. If any employee follows the above procedure, he or she will be entitled to get H.E.R.P.E.S. (Half Earnings for Retired Personnel's Early Severance). As H.E.R.P.E.S. is considered a benefit plan. any employee who has received H.E.R.P.E.S. will no longer be R.A.P.E.D. or S.C.R.E.W.E.D. by the company

My father-in-law is retiring. Here are the details: he is a well-known upper management in the town we live in. A sit-down dinner at a banquet hall is being held for him, with a cost of $50 per person to attend the dinner. On the invitation, it suggests you mail in a monitary donation (to be put towards a gift) if you will not be attending the dinner. (On a side note, I have no idea who is throwing this party, possibly my mother-in-law & sister-in-law). First, do you agree that it is tacky to suggest that people who can't attend this $50 per person dinner send in cash (towards a gift) anyways? Second, what on earth sort of gift should we get him? I am thinking probably cash, right? But how much? He himself makes a HUGE salary (my in-laws are well off), but he always is very generous with us. But, not only are we personally of modest means, if we don't give "enough", my mother in law & sister in law probably will chew us out. Help. He did not do these invitations (with the suggestion of the monitary donation) - I think my sister-in-law did the invitations. He probably hasn't even seen the invitations. Like I said, he himself is very generous.

I am an 18 year old male working at a retirement home in Toronto, Canada. I'm a server there, and have been for the past 3 years. I am well liked by the majority of the staff, management, and residents. My previous boss was very fond of me, and made sure that I got all the hours that I required. Now she is gone, and there is a new manager. I haven't met her yet, but the office kiss-ass has already had privately talked to her on several occasions (and she's only been there 2 days). I haven't had time to go in yet due to my classes and exams. I am the weekend supervisor there, but am concerned about talking to her now that my co-worker has. He has only been there 4 months, yet he acts like he owns the place. Everybody can see that he's a manipulative ass hole, except the general manager (she thinks that the sun shines out of his ass). He works full time as he is not going to university, and he makes it his business to start rumors about everybody to get them fired. He is currently trying to take away weekend supervisor from me. The chef (one of the managers) is on my side, but I am still concered about what the manipulative co-worker is going to/already has said to the new manager. what can I do to BRING HIM DOWN?

The following is a paragraph in a research paper I'm finishing up. I really need another set of eyes to look over and catch grammar mistakes! Suggestions on making this a perfect paragraph will be greatly appreciated!! Here it is... As high schools prepare our youth for adulthood and becoming a member of society, it seems only natural that they should play a major role in equipping them with invaluable financial planning and understanding skills. For several years public high schools have required the passing of an Economics course for graduation. However, this course is designed to teach national economy, inflation, and the terminology of the stock market and not designed to teach students the fundamentals of household finances and how credit works. The need for a program that goes beyond the standard Economics course and addresses the great need for basic money-management, which would include budgeting, interest accumulation and saving adequately for retirement is necessary for the future of our children and thus our nation. In 2006, the Jumpstart Coalition was successful in getting a bill passed which makes a financial literacy program a requirement in public school curriculum for grades K-12, and specifically requiring a semester long course for high school graduation. The program is to be officially implemented within the school year of 2009/2010. Here is the transition sentence from previous paragraph... The Jumpstart Coalition is an education organization which operates on the basis of their beliefs and research that “the average student who graduates from high school lacks basic skills in the management of personal financial affairs. Many are unable to balance a checkbook and most simply have no insight into the basic survival principles involved with earning, spending, saving and investing.”

1)Assuming a FICA tax rate of 8% on the first $90,000 in wages, and a federal income tax rate of 20% on all wages, what would be an employee's net pay for the year if he earned $100,000 for the year? a-$92,800 b-$72,000 c-$80,000 d-$72,800 2) disclosure of acontingent liability is usually made a-parenthetically in the body of the balance sheet b- parenthetically in the body of the income statment c- in a note to the financial statments d- in the management discussion section of the financial statement 3) which one of the following payroll taxes is NOT withheld from an employees wages because it is not levied on the employee? a-federal income tax b-federal unemployment tax c-state income tax d-FICA tax 4) an employers estimated cost for post retirement benefits for its employees should be a-recognized as an expense when paid b-recognized as an expense during the employees work years c-recognized as an expense during the employees retirement years d-charged to the goodwill account because providing employees with benefits generates employee goodwill 5) A truck costing $110,000 was destroyed when its engine caught fire. At the date of the fire, the accumulated depreciation on the truck was $50,000. An insurance check for $125,000 was received based on the replacement cost of the truck. The entry to record the insurance proceeds and the disposition of the truck will include a a- gain on disposal of $15,000 b-credit to the truck account of $60,000 c-credit to the accumulated depreciation account for $50,000 d-gain on disposal of $65,000 6) natural resources are a-depreciated using the units of activity method b-physically extracted in operations and are replaceable only by an act of nature c-reported at their market value d-amortized over a period no longer than 40 years 7) a computer company has $2,000,000 in research and development costs. Before accounting for these costs, the net income of the company is $1,600,000. What is the amount of net income or loss after these R&D costs are accounted for? a-$400,000 loss b-$1,600,000 net income c-$0 d-cannot be determined from the information provided 8)During 2008 tyler corporation reported net sales of $3,000,000 and net income of $1,800,000. Tyler also reported beginning total assets of $1,000,000 and ending total assets of $1,500,000. Tylers asset turnover ratio is a-3.0 times b-2.4 times c-2.0 times d-1.4 times 9) Gains on an exchange of plant assets that has commercial substance are a-deducted from the cost of the new asset acquired b-deferred c-not possible d-recognized immediately 10)enriques salon has total receipts for the month of $16,430 including sales taxes. If the sales tax rate is 6%, what are enriques sales for the month? a-$15,444.20 b-$17,415.80 c-$15,500.00 d- it cannot be determined

Ok i have worked at my job for just over 3 years, i love my job and 90% of my co-workers are awesome people who i love to be around. But there's this one woman who is getting less and less tolerable as the years go by. When i started working there in 2006 i noticed as the holidays approached she would get sad, depressed, and distant. Trying to be a good friend i inquired as to what had her so down. learned one of her kids had passed away the year before on the 31st of Dec and it was devastating for her. It was a Heath Ledger type deal where they simply found him dead in a hotel room. He was 24 or 25 yrs old. Well the first couple years i knew her i always excused her sad, mopey behavior because i understand there's no statue of limitations on grief and it is hard. I myself have lost family that was close and i went thru depression, suicide all that and i went to counseling got help and i am better now thanks to all that. This woman is starting to wear out her welcome so to speak. This year will be almost 5 years since her son died and she's getting worse each year. She refuses to allow us to listen to x-mas music at work for the holidays because it makes her too sad to be a functional employee. She refuses to get grief counseling or get on anti-depressants because she says they won't help. She talks about hiding in her closet and wanting to die because she's so sad. She tells any one else with a problem or issue that their stuff isn't as sad or depressing as hers and she downplays anyone Else's grief as not being as bad as hers because people don't understand what it's like to lose a child. She went so far as to tell me when i lost my grandfather to cancer that it wasn't a big deal and that you expect your grandparents to die before you so it's not traumatic. Even though i spent 1 year in a deep depression and tried committing suicide over it it's still not as sad and terrible as her son dying. I'm getting fed up with this woman, i have tried helping her, we have all suggested finding a counselor for her and she refuses. She claims she tried a counselor for 1 session and she didn't like what they had to tell her so she left and never went back. Now management also agrees this woman is a Debbie Downer of sorts but no one says anything to her about it. She is 6 years from retirement and i think that has a lot to do with it. I don't want to have to spend the next 6 years walking on eggshells 365 days a year for this woman. I understand grief is hard but shouldn't you start to recover at some point? The other thing that is irritating is that we work in health care and have to watch training videos throughout the year. Last year we had to watch a MRSA video and the CEO of our hospital was in the video because her son had passed away from MRSA. For 30 minutes of the video the CEO talks about how her son died and she wants to educate people so they dont go thru what she did. This co-worker of mine was exempt from the watching the video because it was to upsetting and she refused. She didnt even try to watch it she just heard what was in it and freaked out. How can i handle this women? I care about her and she's a sweetheart but every winter for about 3 months she is inconsolable and intolerable. They rest of the time she's better but you still have to watch what you do and say. PS: i'm putting this in womens health because she's a girl and it is a health issue. I didn't see a grief section and i think i'll get better answers in this section because more people come here. Thanks everyone. PSS: Please star this if you think you know someone who can give me some good info?

My wife works at a retirement facility. She has been looking for another job for a while now, and we need the insurance coverage is why she does not quit. This place has been doing some really shady things to her and other employees. First off, she was injured at work today and filled out a workers comp claim. They got really upset at her for doing this. They threw away her copies of the claim. They also forced her to go to the hospital and to leave work early. Now they are trying to fire her and others for making comp claims. Second, there is a combative patient that hits her and she has been injured from this before. Again, all documentation is now missing. We arent sure who to contact about this because inside her workplace all of the higher management has been involved in the cover up as well. So if anyone has any ideas what to do please give some advice! Thank you

I am preparing to file a Complaint in a US district court for wrongful termination. Is it unlawful to terminate an employee for filing a workers compensation case, and if so, what must I say in the Complaint? The employer didn't say that was the reason. The employer will say that I was separated from state service because of being AWOL. They claim they did not receive one of the many doctors notes. The situation is much more complex than this, having started with bullying and then not following established State Personnel Board guidelines for required Notice of Adverse Action. My due process right for a Skelly Hearing were usurped and by that time my head was spinning so fast, my doctor ordered me off work. I later reapplied for reinstatement, interviewing 12 times, and was not rehired. I had over 400 hrs of sick time on the books and a file full of accolades and annual appraisals from previous supervisors indicating I exceeded performance expectations. The EEOC (who has sent me a "right to sue" letter) investigator states that he received written documents indicating the reason I was not reinstated was that I did not get along with management and the public. And the EEOC told me I had no right to see the correspondence. What kind of system is that? No way to rebut evidence if I can't see what they are using to make findings. Oh, what a messed up and world filled with evil doers. At 52, I lost my career and dream of a Calpers retirement, having only served 6 years. ;-/ Sure could use some advice on how to file the Complaint. Once I file the Complain, I want to ask the judge if he or she will appoint counsel, as I realize I would not be able to hold up under taxpayer funded state contact attorneys. It has been three years and the state agency still denies the workers compensation claim. Even though an agreed medical evaluator (ame) gave a 90% apportionment for the injury. Hope to gain some much needed help here, please, so I can get the Complaint filed before the 90 day window on the "right to sue" letter closes. Battered and torn.

Because of recent retirements, 8 management positions became open at the Red River Finance Company. The jobs were all at different levels of management. A total of 22 employees applied for these management positions. How many different ways could the company fill the 8 vacancies?

Cliff Swatner is single, 33, and owns a condominium in New York City worth $250,000. Cliff is an attorney and doing well financially. His income last year exceeded $90,000, and he has sufficient liquid assets to supplement his condominium and other tangible assets. Several years ago, Cliff began investing in stocks and bonds. He made his selections on the basis of articles he read describing good investment opportunities. Some have worked well for Cliff, but others have not. Cliff has never taken the time to evaluate his portfolio performance, but he feels it isn't very good. Cliff currently has about $90,000 invested. He has been dating a woman lately and hopes to marry her in three years, at which time he will need $20,000 for marriage expenses and a honeymoon. Cliff's only other objective is to accumulate funds for retirement, but he does not have a specific dollar target for this goal. Cliff feels that he has a moderate risk-tolerance level. 1. Explain some disadvantages of Cliff's current investment approach. 2. Construct a portfolio for Cliff, limiting your selections to 5 mutual funds (assume that he sells his current stock and bond holdings). Make sure your plan indicates specific dollar amounts for each portfolio component. Make sure your plan also explains your selections for each portfolio component. Visit an investment firm that deals in mutual funds, such as, Vanguard.com, AmericanCentury.com, Fidelity.com, etc. and select 5 mutual funds that will diversify Cliff’s portfolio. Record the fund name, ticker symbol, 5 year average annual returns (can use 3 year if 5 year is unavailable), the amount to be invested in each fund, and the amount returned in 3 years using the 5 years average annual return for the wedding. 3. Explain how Cliff should periodically rebalance his portfolio, indicating how frequently re balancing should be done. This is what I have so far but i need help with choosing the 5 mutual funds Can anyone help me out? Some disadvantages of Cliff's current investment approach are that he has not kept track of his investments. Having made the investments Cliff should have kept track of them. He should hold on to the investments that are doing well and sell the ones that are not. Investing without any specific targets or goals, doesn’t help when he is trying to accumulate funds for retirement. Different investments have different risk and should be kept in mind while investing. He has no dollar amount as a target, while investing it is important to have the dollar amount that he wishes to acquire. Based on these and the expected returns, a monthly allotment can be made. Without the target, it is difficult to put aside any amount of money. His portfolio should if possible be a diversified portfolio so that the instability in returns is reduced. This means that he should include some low risk securities such as Treasury Bills. Advantages of Mutual Funds: Professional Management - The primary advantage of mutual funds (at least theoretically) is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolio. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor investments. Diversification - By owning shares in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you. Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn't be possible for an investor to build this kind of a portfolio with a small amount of money. Economies of Scale - Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay. Liquidity - Just like an individual stock, a mutual fund allows you to request that your shares be converted into cash at any time. Simplicity - Buying a mutual fund is easy. Cliff can invest the $90,000 as follows: Asset HoldingsAmountProportion Growth stocks$27,00030% International stocks$18,00020% High quality bonds$22,50025% Zero coupon bonds$13,50015% 3 to 5-year CDs$ 9,00010% Total$90,000100% Rebalancing the portfolio means moving from risky assets to safer assets as you time passes. The logic behind that is that an investor would not like to lose capital as he grows older, since the sources of income would be limited. As people approach retirement, they tend to become more risk averse. Their investment strategy also tends to emphasize capital preservation. This increased conservatism is a very normal response. However, this shift in risk tolerance requires tha

I am young(ish), just married, just bought our first home last year. Now I have to think about all sorts of boring grown-up stuff like retirement. Whoopee! Anyways, I've been playing around with retirement calculators and from what I can tell, we would need to set aside what seems like a huge amount every month to comfortably fund our retirement once you adjust for inflation, assuming we're both going to retire at 65 and live a long, long time. I'm wondering if we should be thinking about buying rental property in the near future. It may not generate a lot of cash flow for now, but if we do it soon, a rental property (or properties) would be paid off by the time we retire, and that would be mortgage-free monthly income... right? I work for a property management company so I know all about landlord woes... and if the cash flow allowed, I would just let a management company handle my hassles for me. Is it wise to spend money on rental property instead of just dumping into a retirement fund?

I took earlier retirement from AT&T about ten years ago. I have always paid for Long Term Care Insurance. It is a benefit the company keeps trying to get retirees to change the benefit options for this insurance (I wouldnt). AT&T keeps sending my quarterly premium to my old address. Lucky for me, a friend now lives at my old address and delivers my mail to my new home. I have checked the "update your addrsss" box on every invoice. No luck, and things must be going down hill at the old place because their website has no place to complain. So much for the company that is/was in the "Information Movement and Management Business." Has anyone else had this problem and where can I go to get AT&T to update my mailing address for this "Benefit".

I work for Costco Wholesale in Financial Accounting as an analyst for one our departments. I look at individual orders all the way to the department P&L's and gross margin numbers. I like what I do and the pay isn't bad. I know I can make more elsewhere, but I've been with the company for 18 yrs and at the age of 40 I'm a little scared to leave. Mind you, I have no kids nor am I married. Condo owner with little to no debt minus the mortgage. I meet all the requirements to take the exam and am seriously thinking about it in the next 1-3 years. I plan on taking the Becker Review. The classes are conveniently located less than 10 minutes from where I live. Here is my dilemma. I'm not sure I want to quit Costco and I know for a fact I do not want to move up into management (quite honestly, a CPA license would be total overkill at Costco). I was thinking that if I did get my license I could get something going on a part time basis. My question is....just how feasible is this? I mean, I know I could find some work during tax season, but if that's all that I'm going to be able to do, why get the license. I'm wondering if there is someone out there who is a part time CPA? :) I can slowly see myself weening off the Costco tit (so to speak) and developing my own side business and having it turn into something on a more full time basis, but this isn't something I would want to do until close to retirement age. It's too scarey for me to leave that security I have at Costco (6 weeks vacation, great benefits and the NOT low man on the totem pole). Guess I'm looking for words of encouragement or to see if there is anyone else out there who thinks this is a feasible plan :)

I have 15 years experience in the Casino Industry and am currently a Dual Rate Pit Boss/Floor Supervisor. I am going to begin my Masters very soon, but I do not know which will be more beneficial for me. I intend on staying in the Casino Industry until retirement, and I want to of course move up the ladder! HELP!!

I've been using Microsoft Money since 2002, so I have over 7 years of financial data. However, now the Microsoft is leaving the personal finance mgmt business, what is the best alternative? An important requirement is that I save these 7 years of information. I would like web based, but I must be able to import my current information. I have stock information, retirement info, various bank accounts and credit cards. What is the best personal finance management software today?

Ben currently works at the money management firm of Dewey and Louis. His annual salary at the firm is $50,000 per year, and his salary is expected to increase at 3% per year until retirement. He is currently 28 years old and expects to work for 35 more years. His current job includes a fully paid health insurance plan, and his current average tax rate is 26%. Ben has a savings account with enough money to cover the entire cost of his MBA program. The Ritter College of Business at Wilton University is one of the top MBA programs in the country. The MBA degree requires two years of full-time enrollment at the university. The annual tuition is $60,000, payable at the beginning of each school year. Books and other supplies are estimated to cost $2,500 per year. Ben expects that after graduation from Wilton, he will receive a job offer for about $95,000 per year with a $15,000 signing bonus. The salary at this job will increase at 4% per year. Because of the higher salary, his average income tax rate will increase to 31%. What initial salary would Ben need to receive to make him indifferent between attending Wilton University and staying in his current position? How would I set this up. I don't even know where to start with this problem?

after retirement? What are the better opetions, also since he has time would doin any sort of course be of help to him, like would a one year diploma in travel management be a good idea, if he could probably start a travelling agency or something? Any good ideas?

The Social Security and Medicare Trust Funds are running $1 trillion or more deficits. Many argue that it is time to reform social security by allowing individuals to management their own retirement by taking SS payroll deductions and investing that money into personal accounts. Others are against such action. What are your thoughts?

i got this mail Dear Candidate I wish to acknowledge to you that we have received your mail.you have been granted for the post of COMPUTER OPERATOR with monthly Salary of $3,400 Us Dollars. Applicant are to bear the cost of immigration service.the cost and as well as processing time and every other information related to it will be determined by the immigration upon submission and acceptance of your documents. Applicants are expected to arrive in Canada for resumption of their various position three weeks after the visa are granted. As new employee(s),the contract will be five Years and will be extended after the five Years expired. Days and hours of working are as follows: Morning Section..................6.30am-2pm Afternoon Section................2.30pm-10pm Night Section.......................10pm-6am You will have a day off per week and your monthly leaves will be determined by the management. Compensation and Benefits As a member of the Resort Hotels team, our associates can earn eligibility for: - Relocation allowances - 401(k) retirement plan - Tuition reimbursement - Medical and dental - Short-term and long-term disability - Flexible spending account - Paid time off - Discounted associate rates at Resort Hotels - Vacation - Regular performance evaluations - Accommodation or residential allowance (if living outside the hotel facility). Below is a Form that will help us open a file for you and to commence the process of inviting you to Canada for resumption of on-the-job training. Down load and fill the attached forms correctly and return it via this email as soon as possible to avoid any delay in the process. Attach your recent passport photograph to the space indicated on the form and return it along with a scanned copy of your international Passport and working rules form. Your Documents must be return immediately. Ms.Suzy Williams Now they want 200euro from me for visa can i send money to them please reply me ASAP

Inspirational Messages Not Heard At Work 17. There is no "I" in "teamwork." But there is in "management kiss-up." 16. If you do a good job and work hard, you may get a job with a better company someday. 15. The light at the end of the tunnel has been turned off due to budget cuts. 14. Doing a job RIGHT the first time gets the job done. Doing the job WRONG 14 times gives you job security. 13. If you think we're a bad company, you should see the competition. 12. Rome did not create a great empire by having meetings--they did it by killing all those who oppose them. 11. We put the "k" in "kwality." 10. 2 days without a human rights violation. 9. Your job is STILL better than asking, "You want fries with that?" 8. We build great products when we feel like it and don't have any reason to call in sick. 7. If at first you don't succeed, try management. 6. Teamwork means never having to take all the blame yourself. 5. The beatings will continue until morale improves. 4. Pride, Commitment, Teamwork. Words we use to get you to work for free. 3. If at first you don't succeed, delegate it. 2. Plagiarism saves time. 1. Eagles may soar, but weasels don't get sucked into jet engines. -- The Handyman man walks into a building site's foreman's office. He says "The sign outside says you need a handyman." "That's right," says the foreman. "Can you lay bricks?" "No, I can't do that." "Can you mix concrete?" "No, never done that." "Know any plumbing?" "Not really." "Are you an electrician?" "No." "Well," says the puzzled foreman. "You can't do much, so what makes you so damned handy then?" "I only live around the corner." -- The Test oung man Murphy applied for an engineering position at an Irish firm based in Dublin. An American applied for the same job and both applicants having the same qualifications were asked to take a test by the Department manager. Upon completion of the test both men only missed one of the questions. The manager went to Murphy and said, "Thank you for your interest, but we've decided to give the American the job." Murphy: "And why would you be doing that? We both got 9 questions correct. This being Ireland and me being Irish I should get the job!" Manager: "We have made our decision not on the correct answers, but on the question you missed." Murphy: "And just how would one incorrect answer be better than the other?" Manager: "Simple. The American put down on question # 5, 'I don't know.' You put down 'Neither do I.'" --- eaching the end of a job interview, the human resources person asked the hot-shot young engineer, fresh out of MIT, "And what starting salary were you looking for?" The engineer coolly said, "In the neighborhood of $125,000 a year, depending on the benefits package." The interviewer said, "Well, what would you say to a package of 5 weeks vacation, 14 paid holidays, full medical and dental, company matching retirement fund to 50% of salary, and a company car leased every 2 years - for starters, say, a red Corvette?" The engineer tried to control his excitement, but sat straight up and said, "Wow! Are you kidding?" "Yeah," the interviewer shrugged, "But you started it.

This apartment will be for a American Medical Tourest or Retirement who had a Colostomy and Urostomy and been on Pain Management since March 2009 getting Methadone a legal Opiate for pain for the very pain full illness. so the apartment will be hopefully close to medical Hospitals. How Much is a One bedroom flat and a Two Bedroom Apartment in Bangkok, Thailand, from a basic Apartment to a Luxury Apartment Car Parking, Air Conditioning, Balcony ? Would like Buildings names and landlords names given please. How much does it cost to buy a Two Bedroom - Three Bedroom Apartment in a Bangkok High rise ? How much is the cheapest car in Bangkok, Thailand and what is it's name?

I am looking for a one bedroom or two bedroom apartment in New Delhi in a nice area near the Hospitals and Dentists with car parking, Air Conditioning and balcony. If You know any Large Buildings and Landlords names and addresses that will help Thanks So Much What is the cost of living now in New Delhi Thank You So Much This is for a American Bowel and Liver Patient Medical Tour est or Possible Retirement In India Looking for first floor apartment or lift in building since cancer patient can clim a lot of steps being on pain management and has a Colostomy and Urostomy bags.

I am trying to plan for retirement. I am 24 years old, and I have almost $20,000 saved up already, thanks to my father, but now that I have a career of my own, it is my responsibility to take over its management and to plan for my retirement. My goal is to save up so much money that my interest alone provides a comfortable income for the rest of my life. I do not want to deplete my principal during retirement; I only want to draw out interest and gains, so that there is no date by which I must die in order to keep from going broke during my lifetime. If I am very careful not to spend more than I must, I think I can save $300 to $400 per month, at my current income level. Whenever I plug my numbers into a financial calculator, however, I must estimate my rate of return, which makes an enormous difference in whether I will have to save for 50 years or only 25. I plan to keep all of my retirement funds in an index fund, so that I get the benefits of the stock market over the long term, without needing to keep my eyes on it to re-arrange my portfolio. However, when I approach retirement, I will start moving whatever I will need in the next 20 years into a bond market, instead of the stock market, so that the immediate 20 years will be more secure, as the stock market can still be relatively volatile over a period of only 20 years or shorter. If I do that, what sort of average rate of return can I expect from my retirement fund over the long, long term? What about just from the index fund? What about just from the bond market? I would like realistic, conservative estimates, so that I can make sound decisions and have an accurate estimate of how long it will take me to become independently wealthy.

It is probably too late for me to rectify my mistakes regarding voluntary redundancy but I would like others to learn from them............... I have worked for social services for 19 years and loved my job working as a day services officer with learning disabled adults. I am 65 this year and had planned to stay working for a while longer at least part time. However the last two years have been extremely stressful with a lot of changes,and new management. Several staff and myself have suffered bullying and harassment from management and seniors. I considered going off with stress but this seemed cowardly. I have never joined the union and it seemed a bit late in the day to be doing so. I had heard rumors that voluntary redundancies may be on the cards but nobody knew when - could be months or years. I assumed that as the company knew I was due to retire at 65 I would not be entitled anyway! This was probably a big mistake - now I will never know??? The continuous harassment, bullying and loss of dignity and confidence, combined with trying to plan my financial situation ready for retirement - and bereavement in my family became too much and I gave in my notice - actually gave them 7 weeks rather than the compulsory 4 to make sure my pension kicked in as knew I would have very little to live on. I have since learned that most of the staff - some of whom had only worked there for 2 years - had received letters telling them they could apply for voluntary redundancy - approximately one month after I gave in my notice but was still working there. I was not given a letter and presume this was because I had given in resignation??? I have contacted HR and they say I am now an ex employee so thats that! I had been so worn down by the conditions that I could not think clearly and felt there was nowhere I could go for advice. It is only since I have left that I have learned all about VR and employees rights etc and wish I had played the stress card, taken time off work and applied for the £18000 I would have been due.....,,..! Information I happened upon since retiring - on the company website!!! Needless to say I feel absolutely gutted about my own stupidity as I really could have used the money. I guess the only thing I could do now would be a tribunal but I wouldn't stand a chance with no union to back me.... I also feel so angry that these people are still bullying and harassing staff and getting away with it but at least they are all leaving with a big pay off! If anyone could offer some advice I'd be very grateful......but I think it is probably too late???

1.Limited Liability Companies 2.Cash flow - 3.Liquidity - 4.Tax accounting - 5.Financial accounting - 6.Financial statements -7. Network management - 8.Individual Retirement Accounts - 9.The North Atlantic Free Trade Agreement - 10.Tariffs Anti-trust laws -

I think that the return of Brett Favre to the Vikings and the NFL was mainly done by the Viking management to get people back in Minnesota to buy tickets and to arouse interest in football. Due to being with the Packer organization for 16 years brings a natural competitive spirit between the Vikings and the Green Bay Packers in the NFC North divison. Brett Favre was a great Quarterback in his prime, but I believe that Brett Favre is finished as a top notch Quarterback. I will sight the reasons below. 1. The Minnesota Vikings have learned that Favre has a small tear in his rotator cuff which means that he cannot throw 35-40 passes a game. 2. If he takes hits from opposing linemen at the age of 40, he will not be able to appear in a 16 game schedule. 3. Which nobody brought out, is his lack of mobility and interception ratio in the last few years which has been bad. 4. I think that the Vikings at this point overpaid Favre. They could have traded Tarvaris Jackson and kept Sage Rosenfels as a backup Quarterback like he was with the Dolphins. They could have traded Jackson and another player to obtain a younger Quarterback for the future. 5. I also think he lost some credibility in the eyes of sports writers and true knowledgable fans for his nonsense in his retirement issues the last few years. This was the most ridiculous features in the newspaper drawing headlines and making him a poster boy. The only saving features in this deal is that he has a great runner in Adrian Peterson along with a good, strong defensive unit that is better than the units of the Jets. With the Vikings, he will not be able to throw unlimited passes because of his lack of arm strength and of the Minnesota big running game. To summarize the above mentioned paragraphs we believe that Minnesota will not win no Super Bowl with Favre. What are your thoughts on Brett Favre returning to the NFL?

TRUTH OR FICTION?? Tom A Well-Planned Retirement - From The London Times: Outside the Bristol Zoo, in England , there is a parking lot for 150 cars and 8 coaches, or buses. It was manned by a very pleasant attendant with a ticket machine charging cars £1 (about $1.40) and coaches £5 (about $7). This parking attendant worked there solid for all of 25 years. Then, one day, he just didn't turn up for work. "Oh well", said Bristol Zoo Management - "we'd better phone up the City Council and get them to send a new parking attendant . .. . " "Err . . . no", said the Council, "that parking lot is your responsibility." "Err . . . no", said Bristol Zoo Management, "the attendant was employed by the City Council, wasn't he?" "Err . . . no!" insisted the Council. Sitting in his villa somewhere on the coast of Spain (presumably), is a man who had been taking the parking lot fees, estimated at £400 (about $560) per day at Bristol Zoo for the last 25 years. Assuming 7 days a week, this amounts to just over £3.6 million ($7 million - or $280,000 every year for 25 years)! And no one even knows his name..

I recently started working as a housekeeper in a retirement center, but there's an employee there (not a supervisor or manager) who constantly abuses and bullies me, even though she's just another housekeeper in no position of power. She's worked there a little longer than me, but from my understanding, may be bitter since I was placed in a full-time position, whereas she only qualifies for part-time despite her seniority. She has a lot of contempt, and originally tried to accuse me of stealing a toothpaste of all things, only to be proven otherwise. She has two warnings, but my employer REFUSES to do anything else despite her continued abuse and bullying. She SCREAMS at me every chance she gets. I honestly don't know where or who to go report this to, especially since management is unwilling to do anything about it. PLEASE HELP.

The Proposal" When a company falls on difficult times, one of the things that seems to happen is they reduce their staff and workers. The remaining workers must find ways to continue to do a good job or risk that their job would be eliminated as well. Wall street and the media normally congratulate the CEO for making this type of "tough decision", and the board of directors gives upper corporate management big bonuses Our government should not be immune from similar risks. Should we reduce the House of Representatives from the current 435 members to 218 members? Should we reduce Senate members from 100 to 50 (one per State). Then, reduce their remaining staff by 25%. Accomplish this over the next 8 years (two steps/two elections) and of course this would require some redistricting. Some Yearly Monetary Gains Include: $44,108,400 for elimination of base pay for congress. (267 members X $165,200 pay/member/ yr.) $437,100,000 for elimination of their staff. (estimate $1.3 Million in staff per each member of the House, and $3 Million in staff per each member of the Senate every year) $108,350,000 for the reduction in remaining staff by 25%. $7,500,000,000 reduction in pork barrel ear-marks each year. (those members whose jobs are gone. Current estimates for total government pork earmarks are at $15 Billion/yr ). The remaining representatives would need to work smarter and improve efficiencies. It might even be in their best interests to work together for the good of our country! We may also expect that smaller committees might lead to a more efficient resolution of issues as well. It might even be easier to keep track of what your representative is doing. Congress has more tools available to do their jobs than it had back in 1911 when the current number of representatives was established. (telephone, computers, cell phones to name a few) We had 3 senators that were not doing their jobs for the 18+ months (on the campaign trail) and still they all accepted full pay. Minnesota survived very well with only one senator for the first half of this year. These facts alone support a reduction in senators & congress. Summary of opportunity: $ 44,108,400 reduction of congress members. $282,100, 000 for elimination of the reduced house member staff. $150,000,000 for elimination of reduced senate member staff. $70,850,000 for 25% reduction of staff for remaining house members. $37,500,000 for 25% reduction of staff for remaining senate members. $7,500,000,000 reduction in pork added to bills by the reduction of congress members. $8,084,558,400 per year, estimated total savings. (that's 8-BILLION just to start!) Corporate America does these types of cuts all the time. There's even a name for it. "Downsizing." Also, if Congresspersons were required to serve 20, 25 or 30 years (like everyone else) in order to collect retirement benefits, tax payers could save a bundle. Now they get full retirement after serving only ONE term. How right is that???

An article I intend to submit in a discussion next week. Your views (backed by reason) will be appreciated. The Press and certain quarters of fans, including Gooners, no longer lap up or lavish praise on Mr Wenger like they once did. Where once his tactics, selection and transfer policy were held up as examples of wisdom or brilliance, they are now open to disbelief and even, scorn. Nearly 5 years as the 'Nearly Team', and his refusal to spend and willingness to sell key players, have once again highlighted his most obvious flaw (stubbornness), instead of his many achievements. To such new depths has this assessment of him sunk, that even his erstwhile rival, Sir Alex Ferguson, has to put in a good word or two, to remind people of the man's ability. Besides the obvious silverware he brought to Highbury, and his philosophy of playing passing possible, his greatest impact perhaps, has been to change the mindset of modern management. In the past where great managers like Paiseley, Clough and maybe Venables, Atkinson or Robson, focused more on the psychological impact and keeping it simple on the pitch, Wenger's policy of dieting, structured training and shaping individual players style to suit the team, is now the standard used by almost everyone. Only Ferguson and maybe Roy Hodgson at Fulham, continue with the old system. And with their impending retirement, it's likely this concept will end with them. But what's gone wrong with Wenger? For one, that stubbornness remains, a refusal to see his players misdeeds whilst screaming for blood when they are victimised, and his refusal to budge from his method of buying players. But other than that, I don't see anything really wrong with him or with Arsenal. Arsenal have not become a poor team overnight, it's just that the challengers have improved as well. But Arsenal has remained constant for the better part. Investing in a new stadium is definitely the correct thing to do. 38,000 at Highbury, is simply not enough for an 11 time League Champion, or one that intends to conquer Europe. Better to bite the bullet and do it now, than wait until it's necessary and consequently, an impediment. Buying and grooming young players is also a master-stroke, more so because they are introduced to proven system and style of play. Refusing to splash exorbitant sums of cash is also correct. Whether you have a Ronaldo, Kaka or Torres, in the end it is still 11 v 11. Most players in good top teams like Arsenal, Milan, Bayern Munich or Lyon have very good players, whom when consistent, can hold their own against top players at other big clubs like Barcelona, Real Madrid, Inter, Man Utd or Chelsea. So in essence, I say that Wenger has nothing to prove, he's doing exactly the right things by and large. The only things he needs to do is to give his squad more depth and most of all, have a bit more luck. Many great managers before him like Brian Clough (Leeds to Forest), Kenny Dalgish (Liverpool to Blackburn) and Ferguson himself (5 years from Aberdeen to success at United), have also been in this situation where their powers and abilities were questioned. Eventually, they succeeded in the end, because like Wenger, they were natural born winners. This is what makes a good manager, a great one. And believe me, Arsene Wenger is a great manager. Enjoy Arsenal's Theme Song: http://www.youtube.com/watch?v=QUncUQn7P20

Now, obviously, making a lot of money and handling it poorly will have bad results too, but thats not really what I'm asking about. I'm in college and Im so conflicted. My heart is telling me that I want to end up working either in education or for a non-profit organization. My head (and my waitress mother) is telling me that I should work in something that makes better money such as engineering, IT, or management. My parents make fairly decent money (around 60,000 a year) and have 3 kids and yet we seem to always be struggling. They dont own a house or a car and they dont have any savings or retirement. I dont want to end up like my parents and Im having a hard time figuring out whether the actual amount you make is more important, or if the managing of it is more important. I'm really nervous and dont know what to do.

Dear Employee: As a result of the reduction of money budgeted for department areas, we are forced to cut down on our number of personnel. Under this plan, older employees will be asked to take early retirement, thus permitting the retention of younger people who represent our future. Therefore, a program to phase out older personnel by the end of the current fiscal year, via retirement, will be placed into effect immediately. This program will be known as SLAP (Sever Late-Aged Personnel). Employees who are SLAPPED will be given the opportunity to look for jobs outside the company. SLAPPED employees can request a review of their employment records before actual retirement takes place. This review phase of the program is called SCREW. SCREW (Survey of Capabilities of Retired Early Workers). All employees who have been SLAPPED and SCREWED may file an appeal with upper management. This appeal is called SHAFT (Study by Higher Authority Following Termination). Under the terms of the new policy, an employee may be SLAPPED once, SCREWED twice, but may be SHAFTED as many times as the company deems appropriate. If an employee follows the above procedure, he/she will be entitled to get: HERPES (Half Earnings for Retired Personnel's Early Severance) or CLAP (Combined Lump sum Assistance Payment). As HERPES and CLAP are considered benefit plans, any employee who has received HERPES or CLAP will no longer be SLAPPED or SCREWED by the company. Management wishes to assure the younger employees who remain on board that the company will continue its policy of training employees through our: Special High Intensity Training (SHIT). We take pride in the amount of SHIT our employees receive. We have given our employees more SHIT than any company in this area. If any employee feels they do not receive enough SHIT on the job, see your immediate supervisor. Your supervisor is specially trained to make sure you receive all the SHIT you can stand. And, once again, thanks for all your years of service with us.

I am 23, turning 24 this year. I am a PhD graduate student and will be for another 3-4 years. I am paid a stipend of $24k/yr and my tuition and health insurance is covered as long as I'm in school. My FICO is 760. I have $16k in student loans from undergrad that are currently deferred until I'm finished with school. I have no credit card or consumer debt, never had. I have $4k in retirement funds and $2k in an emergency fund. My savings account should be up to $6k by December, unless something goes wrong. All this I have saved from my measely income for 2 years. I also own my car outright, paid for in cash. (In that timeframe I've also covered moving expenses and an apartment full of new furniture + electronics.) So I would say I'm pretty good with money for my age. My current rent is $675, nothing included. I'm wondering if it is smarter to buy. I will stay in the area for another 3 years, perhaps more if I decide to stay and work here after graduation. I have a good FICO score so I think I would get a reasonable rate (5.0%?). My credit report shows 5 years of history, all my accounts are in good standing, nothing negative. My available credit limit is approx. $10k and I never carry balances. In my area, I can get a 1bd/1ba condo for $100k, HOA fees approx $150/mo. If I apply for a 30yr mortgage, according to the calculators my monthly payment can range $530-730. I will only have the $6k from savings to put down though. But with Obama's $8k incentive.... do you think I should even be thinking about buying? I would just really like to have a "home" and not have to apartment-hop after every lease due to management, move furniture, not allowed pets or this or that anymore. Would they even look at me if I walked into a bank to ask about my loan eligibility? TIA. Advice from loan officers or those experienced in mortgages are greatly appreciated! I want to add that I would do the FHA.