I am a U.S. citizen and I need financing for a vacation home in Costa Rica? Know a reputable mortgage company? I would like to find a reputable mortgage company to finance my vacation home in Costa Rica. 100% financing would be GREAT!!!

Orlando Vacation for Kids Financial Help? My family had a trip planned to Orlando 2 years ago. We had all the money saved up and we were off, but then my husband got deployed to Iraq...of course we did not go without him. Unfortunately our vacation funds was soaked up in his deployment and trying to make ends meet while he was gone. He is home now but we do not have the money to go anymore and we would love to surprise the kids with this trip. It has been a really rough year and a half. Do any of you know of a company that finances vacation. Our credit is poor so a normal loan is not an option. We make good money now that he is back, but we just have not been able to save. Our daughter will be going to college next year and we know it will be tough to go once she is in college. Please don't respond if you are going to be rude and mean. I am just looking for some suggestions. Thank you very much if you can help.

How to get a job in Accounting/Auditing and Finance in Dubai ? I 'm an Egyptian who live in USA, working as a CPA "Certified Public Accountant" I am studying for the CISA exam " Certified Information System Auditor". I am planning to work and live In Dubai. anyone can help me to get a good Job in Dubai in my Career. how is the standard of living in dubai, I have few friends from college who live there, but they all asked me to go visit and look for a job. for the time being I can't do that, cause I have a Job, i can't take vacations. I heard from other people that companies would interview me online, on a video conference. please help any Idea/suggestions from someone live in Dubai ?

How much would a disney vacation cost for three adults and one child, for three nights all together? We plan on getting discount tickets for two or three days depending on finances, and a discount hotel maybe two or three parks whatever is on the discount tickets, and a car rental. And of course food too. We live in Jacksonville Florida. I was thinking $1200 might be enough. What do you think

How can I improve my life quality ? This is an open ended question. You are welcome to discuss it in different areas such as finance, relationship, vacation, ...

any good and free personal finance management web site? anyone knows a website to manage personal finance (cash flow, bill payment reminder, etc.) for free? People can manage finance anywhere( office, home, vacation, ...) and anytime. Thanks.

what is the best alternative to financing a second (vacation) home? I currently have a mortgage balance of 95,000 on a home valued over 325,000. i want to buy a second home for 200,000

Going on my first overseas vacation and I need some advice.? I'm in the process of getting the finances for my first overseas vacation. It's a study abrod program about sustainable energy and its taking place in Denmark. The trip isn't until the 31st of May but I thought I'd start planning for it now. I'm pretty sure that I'll find enough money to pay for my trip. The program is a total of 16 days and we will be set up with host families to stay with until the two weeks is up. Does anyone have some advice on what I should take with me?

How can I buy a house when my name is tied to another house that my exhusband has not removed my name? from the mortgage that we had when we were married? He was not ordered to refi in the divorce, and refuses to refi. Also,my credit with my new husband is not strong enough to have my name on 2 mortgages. I have hired a attorney but really haven't gotten anywhere with it. He (LAWYER) said the you can not change a final judgement in a divorce decree about the martial property, but I feel that I have a good case because my ex assumed a hardship loan on the property without my knowlege and giving the mortgage company some false info, before the divorce was final. My ex recieved a permement hadship loan for the remainder of the loan (28 years). Interest rate of 2.28% and let me tell you he does not have any hardship,especially as soon as the hardship wasfinal he bought a brand new truck, finished the basement of his home, put a pool in the back yard, and took the kids on a 7 day vacation to Disney world. the finance company said they will not evaluate him UNLESS he misses 3 payments.

home daycare - holiday/vacation schedule? Hello everyone. I am planning on starting a small daycare out of my home. Well actually we have a building on our property that I plan to turn into my small daycare. My husband works full time in finance and i plan on starting this daycare soon after our baby is born. I'm currently taking steps to get licesened, I have started to get a "lesson plan" of sorts as well as i'm getting together some fun ideas. I'm fairly sure where I will start as far as price, however my main question is about schedule. I do not plan to work 365 days a year. I will not work holidays, which wouldn't be a big problem for most parents i don't think. However, my husband gets 2 weeks a year for vacation, and I know for certain he won't be ok with the daycare if that means no vacations for our family. It's not going to be a big enough daycare to hire anyone else, so what do other home daycare providers do? Do they never take vacation? or what? Also what about holidays, and things like the day after Thanksgiving?

okay, this is crap and has to be the most appalling english you people have seen but how many words is this? Do I stick to the subject enough or do I go on to much? Okay here it is, don't be too harsh on me about my sh it grammar and spelling stills Conflict I was on vacation, not a care in the world or thats what it should have been but with my crazy family that just isn't a possible reality. It was a big family trip with me, my sister Elaine,her boyfriend Matt, My sister Yvonne, her finance Steven, my nephew Leo, their son and my other two nephews Scott and cooper who live with me, my mum,dad, my big brother Alan and my little sister Rachel who of course where all on the holiday as well. Yeah that was a lot of us, and for there not to be one fight would be absorb but I never expected such a big strop and in the funny way it would come about. There was a lot of tension before we had even went on vacation, so yeah we were off to a flying start. It was the 22 of September, 2007, Saturday. The 6th day into the holiday. The day started out normal. We hanged around the villa for a while, waiting on Matt and my dad to come back from their daily golf morning that, they went on everyday because it was so cheap. About 70 dollars for 12 holes(35 pound). After they had came home, we had a discussion about what we would be doing for the day. We had already planed that we would be going to Old Town Kissimmee at night time(I know the names a cracker) and the plan was that me and Rachel would be going to laser quest(An arcade except bigger, better and owned by Disney) but me being stingsie with my money wasn't sure if I wanted to spend a heap load on an arcade. Right so we made plans that the rest of the family would be going shopping whilst we(me and Rachel) would be going to laser quest, that was if it suited my budget. The family got into the van and we drove to downtown Disney, where laser quest was located, We went to the ticket office to check out the prices. The tickets were $70, roughly 35 pounds. I thought to myself would I pay that much if I was at home and then I thought of course I wouldn't, but hey, this was my vacation and I needed to spend my money somehow. We made a plan that we would meet up at nine pm or that if we didn't want to go to old town Kissimmee we could phone them to pick us up later at closing time which was 12 pm Me and my sister spent nine blissful hours eating,gaming and getting refills of a large cup for a dollar (talk about the land of the free). The nine hours seemed more like 9 minutes,Me and Rachel could of easily spent an other 3 hours there but we opted against calling my folks to say we wanted to stay longer, thank god we did because if we never we would be waiting till 3am. Anyway when we came out it was strangely dark. We met my folks and went back to the van where the rest of the gang was. I could tell that it had been raining from the ground but nether less it was still warm. As me and Rachel got into the van we received warm welcome of screaming to hurry up. I remember Yvonne was the monist, grumpiest out of them all and I thought to myself how nice of you to ask if we had a good time? Anyway the mood lightened up when we got to old town Kissimmee, When we got there we looked at the sky coaster and joked about Matt and Elaine going on it. Matt was all up for it, but my sister Elaine wasn't having any of it. I was feeling really good and happy to be in the middle of all the banter The atmosphere was pretty exciting, old town was bustling with people and excitement having an good time, including us. The music was blasted enough to hear all the way up the street. We wondered around the shops that old town offered. I've got to say old town has to be one of the most unique places I had ever had the honor of visiting. Everyone has a good time, kids, teens, adults, old people, everyone or so thats what it seemed. We walked to a couple of shops, as I walked past the shops it was hard not to notice that they were different from any of the other shops I had ever been to, not only the fact that they were opened so late but also the fact that every shop had a theme to it. There were sweet shops,sixties shops, Betty Boob shops, pet shops and tons more crazy themed shops. The pet shop was the craziest and funniest out of them all. They had clothes for your pets! Me and Rachel laughed about getting our pets some clothes as a Christmas present. We decided against this act of cruelty . We spent two hours in old town wondering about the shops, having a good time until we went back to the car. My dad had somehow manged to lock the key in the car due to central locking To make matters worst my dad had started the car up. He had seen that my mum needed help with the buggy and therefor jumped out the car and as he did he heard a click as he shut the door. I felt like laughing in disbelief, that this could happen to us. Yvonne was moaning a great deal but then again she had a baby. I in my typical lazy fashion tried to block out my surroundings and turned on my Nintendo DS. Whilst I played Harry Potter I couldn't avoid the fact that we wee stranded in a different country. I wasn't really focused on the game and was thinking and laughing to myself. I thought , only this could happen to us. Steven and Matt went to the police station to see if they had a locksmith or anything that could break into the van. Whilst they were away my nephew Scott started to misbehave, only adding irritation to an already bad situation. When Steven and Matt came back, it was northing but bad news. The police could do northing to help us. The police had told Matt and Steven they couldn't break into the car because they would, then be braking the law by breaking into the car. My dad came up with the cootest ideas . He asked if anyone had anything straight like a ruler so that he could disconnect the lock. I thought, why would any of us be carrying a ruler? As the night grew on I began to wonder away with my sister to places that were still open. Going back to Elaine, Yvonne, and my mum who were all sitting with the kids, to cheek up on the latest news. I so far had heard that someone who had saw we needed help, had a brother who was a locksmith and had went to get him. That was hope but Steven started to grow paranoid and pointed out how a guy in his car had been sitting there for ages, we thought that he was waiting on us to get a taxi home, so that he could steal the car. Our paranoia and tiredness was growing by the second. I felt okay though and thought best to make something good out of a bad situation by buying myself and Ice cream cone. An hour had passed and we were still stranded, everything was beginning to close. We were all becoming rattie and argumentative with each other. The other thing was that the person who said that her brother was a locksmith had failed to return and that added to us that someone wanted to steal the van. The place that was once buzzing with excitement and laughter was now a ghost town full of paranoia and strain. There was a lot of tension between us and we were growing tired of the whole situation. The guys were probably the most fed up, and were moaning at us to get a taxi home with the children because the place was getting very quiet and the guy who Steven had pointed out earlier who had been in his car for ages was still in his car. We were scared that this guy was going to mug us. I was just beginning to fed up with the whole situation . Steven started to argue with my mother about Leo being in his bed because he would get moanie. To me Leo looked happy, if not the happiest out of us all. Steven had told my mother that if he freaking wanted his son home he wanted his son home, after she had politely told him, that she thought leo looked okay to her. I was really bugged off by Steven because I thought why should we go home when he won't? I mean Leo is his son. I thought if Steven wants leo in his bed. Why doesn't he just get a taxi home with Yvonne and leave us alone. However in an attempt to avoid further confrontation and being bugged by the taxi services, who had been asking if we wanted a taxi home all night, we decided to get a taxi home. But with my family things just don't go that plain and simple. When we had all settled in the taxi my dad had came rushing up to the taxi saying you can take him freaking home because I'm leaving him. I remember Steven coming up to the taxi door. I remember my mum telling him to get in the taxi. Steven didn't reply to this to kindly and shouted in a frustrated manner I'm not freaking coming in, to add effect he slammed the door and marched off. I began to feel a mix of fear for leo and embarrassment that the taxi driver was seeing us all in such a bad light. My sister Yvonne was hysterical by this time and was screaming to get out whist my mum was shouting go, Yvonne shouting back to the taxi driver don't you dare. I felt sorry for the taxi driver at the time being in such a situation. My mum angry with rage and tears told Yvonne that Steven had been northing but rude to her all night. You wonder why my sister replied with the same emotion as my mum. The taxi driver told Yvonne that Steven had to watch his temper or he would be in jail, Yvonne with tears rolling down her eyes replied I know that, but just let me out. Taking Leo with her she got out the taxi to go and find Steven. I remember feeling scared for leo and Yvonne. My instincts were screaming to chase after her. I confronted my thoughts with my sister, Rachel about not being in the mood to go home, she agreed with me but said that there was northing we could do about it or for that matter the situation. I nodded in agreement and acknowledged the fact that she was right in what she had said . As we were in the middle of the taxi journey, my dad phoned to say that they had finally got the car open and that they where on there way home and that Steven had calmed down and would be coming home too. The taxi had got lost on the way home, I was to stressed to care. When we finally got home we had arrived at the same time as the rest of the family had. Everything seemed to be back to normal. That was good, we could just sit down, calm down, go to bed and laugh about the whole thing tomorrow but unfortunately Steven being a drama king stormed off out of the villa. We decided it would be best to let him just go and calm down. We talked about all the fights we had ever been in and how some of them can just occur out of northing. We discussed how we would all laugh about this in the future, saying that someone would bring it up by saying , so does anyone remember the night dad locked the car. By the time we had stopped the discussion it was 4am. I went to bed feeling annoyed at dad and Steven,because such a good day had been spotlit by one persons actions, thats all it takes, one action, one person to wreck what would of probably been the best day of the vacation. The morning after I remember thinking “did I just dream it all?” Okay, if any of you have Microsoft office can you please paste what I have written and give me the amount of words, I don't have Microsoft office or any other Microsoft equipment but I'm sure some of you guys do and could do me one tiny favor of telling me how many words I've wrote Better subject? This is real life, if we were to write a fake story I would of had more blood shed. fair enough point about the grammar, it is sh it. I agree. Okay here is the task we were given, my teacher told us to write about a time when we had been in conflict. Thanks for telling me the amount of words, taking your time out to read it but I want to get it clear that I couldn't of picked a better situation, thats the worst conflict I've ever been in

Vancouver, WA: how much earnest $$ will i have to put down on a $205K house? i'm going to finance the house with zero down, because i don't have a large cash reserve. however, i know i will have to put down some kind of earnest $$. any know about how much? i'd ask my realtor, but he's out of town on vacation...

Should I ask my roommate to pay for the share in the rent and other expenses if she is on a long vacation? We share the expenses on everything and the 10 weeks that she'll out would mean so much because rent and other house bills take so much from everyone's finances. She will be spending a lot of money there and I'd like to be fair on her without making a hole in my wallet. Let's say it's gonna be at least $500/month outright if I'll say she don't have to give her share. Before I did this and allowed her to not pay her share but it really costed me a lot. Then, when I went home for a 6 week vacation, it was not offered to me. Both of us earn good money and while on this planned long vacation, she'll be paid for time off 75-80% of it. No sickness or anything stressful reasons why she is going home/vacation. How should I deal with this though I know that she will surely pay her obligation or her share? I know she won't ask me directly but it would be nice to do something especially for her coz we are both benefiting from this set up for years now. Please advice...Thanks

Banckrupt company in New Jersey owes me in California vacation pay. Do I have any rights to being paid? I worked in California for a company that was headquartered in New Jersey. They declared bankruptcy but they still owe me for 5 weeks of vacation. From my understanding, California treats vacation just like salary. Am I entitled to any of the finances that the company might still have, and if so, would I be placed at the top of the list for receipt?

Financial planning while on vacation? Has anyone heard of a financial planning company that sponsors vacation packages where you can go to a resort location and work on your finances with a planner?

How do I allocate $300,000? I recently got a chunk of cash, $300,000 to be precise. How do I invest this amount? Here are some other points: 1. I have set aside $20,000 to spend on myself, take a vacation, etc. 2. What percentage do I invest in the bank, as it is supposed to be the safest? 3. How much do I invest in Mutual Funds that have a good reputation? 4. Is it wise to open a recurring deposit account? If so, how much should I allocate for that? 5. Some of my friends told me that investing in gold / silver is always safe. Is that true and if yes, how much should I invest in guilt edged securities? 6. I don't need any part of this money to meet daily expenses. They are taken care of by other finances, so this is just for investment purposes. 7. Charity is not something I would like to do with this money at this point of time. Maybe later, but definitely not now. 8. Any other areas where I can invest a certain percentage? Thanks a lot!

How much should he be making?? Ok my finace and I work for his parents irrigation shop. My finance is a tech and has been her for 13 years. He works 6 days a week somtimes 10 hours a day. His dad wont hire anyone else so its just him and his dad. They had over 155 clients. My fiance is only making 1771.17 a month. We think that his parents are taking advantage of him and they are not giving him what he is owed. He doesn't get medical insurance. He has had 2 weeks vacation in 13 years. And his dad is giving him an extra 400 because of summer rush but his mom keeps threating to take it away. Im so irritated with this but I can't say anything because I don't want to make confrontation. Help any advice??? Well see the thing is we can't just up and leave because his area of work they dont get much business in the winter so not many people would hire him and also we are expecting so Im scared if he leaves we wont be able to make it becuase I work for them also but reception and Im only getting 7 and hour!! First of all to the 3rd answer individual I and my finace have both gone to school im 3 weeks away from a degree and my finace has takin classes for his profession. He has been in it for 13 years. He is not changing and your answer was a little rude!!!!

How much rent can I afford in NYC on $60k? I just graduated from college and found a lucrative finance job in the financial district. Many people have said to live in Brooklyn, where I can can get a place for, say, $900/mo/person with a roommate. This would be a 25 minute commute on the subway. Alternatively, a few people said to get a convertible 1 bedroom in downtown Manhattan and install a false wall and pay $1400/mo/person with a roommate. This would be a 5 minute commute on foot. I'm not sure which is wiser. $500x12 is a big difference and even bigger to a college student who compares dollar values to pizzas and cases of beer. Should I live in Manhattan rent or should just pretend I still live in a dorm, suck it up, and save the dollar difference for another eventual expense (i.e. MBA, down payment, vacation, sports car...). I worked hard in school - I don't want to be a cheapskate but I don't want to be an indebted Yuppie either.

how often does the average adult daydream? remember when you were a kid and you could daydream for hours about anything? well, i was wondering, how many adults still daydream, and if you do, how often? by adults, i mean 18 plus...if your under 18 and know someone who is older than 18 who daydreams alot or a little, or whatever, you can answer too. i ask because i am 20, and i daydream more than what might be considerd average. i keep up with all the real world stuff just fine, so dont be concerned about that, i have a good job, and great friends and a fiance and all, its just sometimes my brain feels like its on vacation and wants me to be sitting on a beach somewhere...or even "childish" stuff, like im a princess or something. it just feels nice, and i do it quite frequently (remember, i am completly on top of my job/friends/finances/and all that other real world stuff) so, how often do you, an adult, daydream? a couple times a week? a couple times a day? and about what?

Help! Husband spends too much money? How to budget? My husband is a full-time student and I am the main breadwinner right now. I like to enjoy treats and nights out once in awhile, however I feel like he is out of control and it makes me resentful. I handle all of the finances and bill paying because I actually enjoy it, and he gets frustrated with numbers. He will often spend over $500 a month on extras, CDs, DVDs, Lunches out. I buy things occasionally, but I pack a lunch and limit myself to $50 a month for something extra for me. I have tried asking him to set a limit but he thinks I am trying to be controling and says he hates that he has to ask for money. I would not mind if he bought a DVD here and there or even went out to lunch once a week, but his spending habits are killing us!! I have been postponing a vacation because we can't save enough. I feel a little cheated, I work very hard and work like to enjoy things more too, when I tell him this he says i need to loosen up and just enjoy, spend whatever, but I just don't feel that I can do that, because it would really put us in a tight spot with both of us spending like that. I am scared to just hand the bills over to him for a month so he will understand, because I think it would mess things up. He even questioned me the other day because we had X amount of money in the checking on Tuesday and by Friday it was $800 less. I explained to him I paid car payments, insurance and rent, and that just because the balance slip says a number that does not mean that that is what we have available. He just doesnt get it and is very defensive about this. How can I get it through to him without being a nag or a control freak. I feel like I am pretty calm and reasonable but if I give him an inch he goes crazy! Help I should add that I do love my husband very much and he is wonderful to me. He just doesnt grasp the money concept. I think some of it comes from the fact that he is an only chold from a wealthy family. I have 4 siblings and a lower middle class family. His point is he wants us both to spend and have whatever we want. My point is this is not reasonable at this point. Maxxx for your info, he has a degree already, but is going back for 2 semesters to get his masters, schooling is not the problem.

I am a mechanical engr living at Toronto having 50 K job, how can I get good job in BC or Alberta,? Summary of Qualifications •Project Engineer, projects of national Interest and its maintenance •20 years experience designing, building and commissioning machineries •Designed, fabricated and installed, piping, heat transfer and mechanical systems and their control systems •Experience with structural design, mechanical drive systems, hydraulics and PLC control •Excellent experience of leading & supervising large unionized team in and outside Canada •Good experience of developing and implementing preventive maintenance program to enhance useful life of equipment and plants •Well conversant with modification process to reduce down time of plant •Adept and qualified in Quality Control and Quality assurance •Excellent project manager with hands on, solid experience •Excellent leadership qualities, interpersonal skills and effectual team player •Effective conflict elucidator and self organizer •Outstanding training, leadership and communication skills •Excellent knowledge of sanitary, sewerage and piping system •Good knowledge of OHSA/WHMIS Professional Experience Vault Supervisor-Brink's Canada, Toronto 05 to present •Maintenance and testing of electrical & mechanical security systems •Over-see, manage and supervise cash logistic operational activities •Supervise safe transportation of millions of dollars, everyday •Supervise opening/closing of facilities with electrical and mechanical systems •Schedule staff to cover vacations and book off •Implement policies, operating procedures and audits for smooth operations •Promote positive work environment •Manage budgeted labors targets •Contingency management as and when needed Assistant Director Maintenance (Army) Sep 99 - Aug 04 •Provided direction and leadership to maintenance staff •Evolved, Planned and implemented financial policies •Assisted and advised the coordinators for policies, procedures, guidelines and business processes •Responsible for conducting technical inspection of piping system, HVAC, plants and equipments •Designed and establish new facilities in the workshop •Evaluated technical trials for induction of equipments in various organizations •Designed, modified, fabricated, tested and commissioned mechanical system for specific applications •Resolve safety concerns and implemented ergonomic improvements Education •05, Degree program (masters) in Engineering Management (in progress), completed 3 credit hours courses each in Engineering project management, Quality control and quality assurance in technical organizations, Finance for technical manager and managing the technical organizations. •85, Bachelor in Mechanical Engineering from NED University Karachi Pakistan •01, Post Graduate Diploma (one year) in Information Technology from National University of Science and Technology, Pakistan •94, Masters in International Relations from University of Balochistan Pakistan •93, Diploma in Transportation and Logistics from Army School of Logistic, Murree Pakistan •86, Advance equipment maintenance, one year training from college of Electrical and Mechanical Engineering Rawalpindi, Pakistan •06,Use of force training from Brink's Canada Limited including Possession & Acquisition of Firearms license •Engineering qualifications are evaluated and accepted by the Canadian council of professional engineers References will be made available of request

Guys, do you ever tell your SO how much you make? Girls, do you ever ask? I am rich by most people’s standards (millionaire making $250k+/yr, 32 yrs old.) I own my own business (since I was 25) so it’s not obvious how much I make (as opposed to if I was a doctor etc…) I lead a modest lifestyle so you can’t tell I have money. I’ve had a few long term gf’s in my life but have never told them anything about my finances. Eventually they can figure out I am doing ok because I never talk about money problems, always buy what I want, drive a modest car (~$30k) but paid for it in cash, have my house paid for, drop $200 on a dinner date whenever I feel like it etc… Two gfs flat out asked and I refused to tell them. I was very turned off by this and eventually we broke up. Another one asked and I decided to try telling her. Then all of the sudden she started expecting more from me (more expensive gifts, vacations, she stopped picking up the tab for our inexpensive dates…) I ended it with her. I’m just curious how others approach this topic. Few more details: - I have no interest in ever getting married. I don't believe in it (legally marriage is about money and not love. Money and love have nothing to do with each other) I am always upfront about this with my gfs. - GFs usualy start getting curious about my finances at ~1 1/2 year mark of an exclusive relationship.

Bussines and finance? How a small seaside motel changed in a successful year-round resort in just a few years? Carol Veldt, owner of Seagull Terrace, watched her investment grow from a small, seaside motel to a successful year-round resort in just a few years. Atop a bluff (a cliff) overlooking the Maine coast, Seagull Terrace had attracted thousands of visits during the summer months, but then faced a tremendous downturn in business during the winter months. “But, keeping in view the industry in the nearby towns, very little year-round competition, and our close proximity (nearness) to Portland,” Carol added, “I couldn’t understand why seasonality had to hit Seagull Terrace so hard!” So Carol spent her first winter devising (making) a new marketing plan. She put together a promotional package designed to attract business travelers year-round. Carol’s plan, then, involved a seasonal promotional gimmick (attention-grabber/device or trick)—to be implemented from late winter to late spring—that would attract the large summer crowd. Her idea worked! During her second winter, Carol greeted numerous business travelers—both satisfied repeat guests as well as new guests who had been snagged (caught) by her promotional appeals. “We still have a long way to go,” Carol Veldt admitted. “Our delicatessen (place, venue for selling goods or restaurant) offers delicious entrees, but we’d like to expand that. We provide health club privileges (rights) off-site, but we’d like to eventually provide our own. These are goals I hope to achieve in a few years. Our first project, however, included a renovation (reconstruction/repair) of our guest rooms and I’m quite proud of the results.” Carol then added, “Actually there are so many possibilities! With an indoor pool area, I will eventually offer weekend getaways (vacations/leaves) throughout winter.” Questions: 1.Based on the marketing process, what are Carol Veldt’s strengths? And how has she taken on the role of marketing manager? 2.Define the target market at Seagull Terrace. 3.In what ways might Carol Veldt be implementing the product concept? 4.How might the marketing mix at Seagull Terrace differ between its two target markets? 5.In what ways might Carol Veldt be implementing the selling concept?

Need advice on personal finance / budget setup...pay yourself first approach.? All, My wife and I have our checks direct deposited. We're maxing our 401K's and maxing IRA's with our bonus money. We have several accounts setup for online savings to match up with various lines in our budget...i.e. vacation is one savings account that is funded on a monthly basis from our main online checking account. I think the last piece of the puzzle is getting one account with a debit card for myself and another for my wife. We would fund these weekly for any $ we would spend during the week. All other bill type money would come out of the other accounts. I figure this would be the last step to make sure there are no surprises. Is anyone else using this approach?...if the $ isn't in the debit account, we won't spend it.

Advice for purchasing vacation apartment in Munich or Berlin? I'm looking for advice about buying a second home (apartment/flat) in either Munich or Berlin. I know Berlin is a lot cheaper, but I'm not very familiar with the area. What's a good part of town? What about financing? Is it available if you live overseas? What are the monthly costs and what's included? I'm looking for something modest. Around 50sq m or less...studio is fine. Less than 60,000 Euro. Any advice from someone who has done this? What was your experience, and what is the process for the transaction. I live in the US (if that makes a difference for providing comparisons)

Does anyone own and rent out a Florida vacation home? This is something I am considering doing- but I live/work in the UK and would need to get a mortgage. I am a US citizen and my family lives in FL, but I am not really a resident myself (well I do have a FL driving license, so I am not totally foreign, but the point is I dont live there!) Would I still be able to get financing? Also, does the rental income tend to cover the mortgage? Any advice would be appreciated, as you can see I am totally clueless! And I don't want to call up real estate agents and make a fool of myself!

Is this NOT the best credit card or what? I desperately need a credit card!! (29 yrs old,the wife and I NEED to build up a credit history, we are "ghosts" in the system, i.e. little to no credit) thanks to the wonderous HELP I have recieved here (thru a previous question) and my own research I think I may have found the "best" one... http://www.ewisdom.com/r/index.php?10071 http://www.credit-card-gallery.com/cc.php?cr=100072&of=73 (same card, same link on both of those pages!! ) 1. How could both my WIFE and I be put on this same card? 2. I plan on ONLY using this card to simply finance the gas charges for a road trip from wisconsin to mexico 12/22/07 thru 1/14/08, roughly $800-1200, and hopefully by time i get my statement I'll have my 1/15/08 paycheck to cover those expenses!! waht do you all think about that? 3. anything else i"M missing? or should know or anything at all? AGAIN the goal: To build credit and "Finance" this mexico vacation!! :) wish me luck! oNe 3. 1. DO the people that suggest staying away from Credit Cards (Debt) not realize you have to have credit no matter what? I'm doing this because i have to... i.e. buildin good credit to avoid higher loan rates in the future for a house or a new car... 2. well i applied for the card and i got "APPROVED", so thats that right? i'm set, goood to go? that easy huh? once I get the card will only use it to finace this trip gas charges oNLY $800-1200... and once i come back, pay it off right away... or ideally USE it to pay my normal MONTHLY bills/fee's, ect, ect. with the idea in mind to PAY IT OFF MONTHLY and on time and then i'm good, its a WIN/WIN.. i get rewards for the usage,, i build up a good credit history.. i can' fanthom what the problem is? or what the big hub bub or danger of it all is? we SHOULD be good to go! oNe

Does anyone know a good dental clinic for root canals and tooth implants in Nogales Mexico? The cost of dental care in the US is so outrageous I can finance an entire vacation by having the work done overseas. I am in Tucson and can easily drive to Nogales if the service quality and price is good.

What is a good way for a college student to find a decent paying full-time job for the summer? I am only a sophmore in college, but I am pretty good with a computer. I need to find a job after the spring semester ends in a few weeks. I was hoping to stay away from a retail store for once. Maybe a office job so I can stay out of the heat, but I am for labor jobs too, but they gotta pay. I have read about college students getting good summer jobs if they go to a temporary agency. Is that really true? If not then what would you suggest for me to look at so I may finance a nice summer vacation?

I bought a car for 10,000 W/ 1500.00 down, the engine blew on the home from the lot. I picked another car...? This second car had issues to, he promised to fix them I drove a week & had to park it, two weeks later nada, I called and ask again about the repairs, next I knew I walked out my door and bam cars gone.... dealer tells me there was a problem with loan, That my manager where I work says I have not been at work lately,so he can't verify employment. I can't be financed,The owner was on vacation for 2 weeks and not returning calls. A week after of taking the car an having still not spoke to the boss, I'm about to say screw it, then the dealer calls an says come in an write a statement, say I'm employed however, I've missed work alot by not having a car, an can I get the car back , not all repairs done but it drove. 3 weeks bam he takes the car again, acting like I gave false info,so I call the finance people an they say they knew nothing about a statement, have no idea what was going on and that they had denied the loan weeks ago. What can I do? Am I screwed? Can I get $1500.00 back?

Which city should I choose in Australia? I am 27 year old Arab, from Saudi Arabia, I met many from Australia here in Saudi Arabia and in Dubai, they where either friends or a seminar instructor or university professors they all advice me to go for my master in finance in Australia. So I took the step and applied for different universities. And the apply came back, I didn’t know which school to choose so please help me choose, Griffith university (Ms in commerce finance and banking) University of new castle (Ms of applied finance) University of Wollongong (Ms of finance) Others waiting for replay, University of Adelaide (Ms in commerce applied finance) UNSW (Ms of finance) RMIT (Ms of finance) Should I go for masters or an MBA, I am not studying to find a better job position or pay, I am looking forward for the knowledge I gain (I spend 14 weeks a year in seminars and courses in investment, that’s why the instructors advice me to stop spending money on them and go and get a higher degree) I have acceptance too, from the UK, Canada and the US. I hate cold weather and rainy weather, so Canada and the UK, is out. 90% of Saudi students go to the US, so I want to be different... Australia is the best choice... I need your help in choosing the city, Sydney, Newcastle, Wollongong, Brisbane, Melbourne and Adelaide. When it comes to weather, in term of rain and cold weather. Natural disasters, Racism, house robbery, drugs, pollution, car theft. Stores or fast food chains open 24 hours, hotels, beaches (summer all year long), How important is having a car in Australia?(we drive everywhere here gas prices per liter 0.2 AUD) what do I need to know about car driving and insurance and buying or renting a car. Renting my own place or living on campus. What should I watch out for and beware from. How to act and what to say and not to say (for example I speak with North American accent, does it look bad when speaking with North American accent). Making friends and meeting people. What do you consider rude? I want to enjoy my time, as if it is a year long vacation. Thank you for your answers

Which city should I choose in Australia? Which city should I choose in Australia? I am 27 year old Arab, from Saudi Arabia, I met many from Australia here in Saudi Arabia and in Dubai, they where either friends or a seminar instructor or university professors they all advice me to go for my master in finance in Australia. So I took the step and applied for different universities. And the apply came back, I didn’t know which school to choose so please help me choose, Griffith university (Ms in commerce finance and banking) University of new castle (Ms of applied finance) University of Wollongong (Ms of finance) Others waiting for replay, University of Adelaide (Ms in commerce applied finance) UNSW (Ms of finance) RMIT (Ms of finance) Should I go for masters or an MBA, I am not studying to find a better job position or pay, I am looking forward for the knowledge I gain (I spend 14 weeks a year in seminars and courses in investment, that’s why the instructors advice me to stop spending money on them and go and get a higher degree) I have acceptance too, from the UK, Canada and the US. I hate cold weather and rainy weather, so Canada and the UK, is out. 90% of Saudi students go to the US, so I want to be different... Australia is the best choice... I need your help in choosing the city, Sydney, Newcastle, Wollongong, Brisbane, Melbourne and Adelaide. When it comes to weather, in term of rain and cold weather. Natural disasters, Racism, house robbery, drugs, pollution, car theft. Stores or fast food chains open 24 hours, hotels, beaches (summer all year long), How important is having a car in Australia?(we drive everywhere here gas prices per liter 0.2 AUD) what do I need to know about car driving and insurance and buying or renting a car. Renting my own place or living on campus. What should I watch out for and beware from. How to act and what to say and not to say (for example I speak with North American accent, does it look bad when speaking with North American accent). Making friends and meeting people. What do you consider rude? I want to enjoy my time, as if it is a year long vacation. Thank you for your answers

Which city should I choose in Australia? Which city should I choose in Australia? I am 27 year old Arab, from Saudi Arabia, I met many from Australia here in Saudi Arabia and in Dubai, they where either friends or a seminar instructor or university professors they all advice me to go for my master in finance in Australia. So I took the step and applied for different universities. And the apply came back, I didn’t know which school to choose so please help me choose, Griffith university (Ms in commerce finance and banking) University of new castle (Ms of applied finance) University of Wollongong (Ms of finance) Others waiting for replay, University of Adelaide (Ms in commerce applied finance) UNSW (Ms of finance) RMIT (Ms of finance) Should I go for masters or an MBA, I am not studying to find a better job position or pay, I am looking forward for the knowledge I gain (I spend 14 weeks a year in seminars and courses in investment, that’s why the instructors advice me to stop spending money on them and go and get a higher degree) I have acceptance too, from the UK, Canada and the US. I hate cold weather and rainy weather, so Canada and the UK, is out. 90% of Saudi students go to the US, so I want to be different... Australia is the best choice... I need your help in choosing the city, Sydney, Newcastle, Wollongong, Brisbane, Melbourne and Adelaide. When it comes to weather, in term of rain and cold weather. Natural disasters, Racism, house robbery, drugs, pollution, car theft. Stores or fast food chains open 24 hours, hotels, beaches (summer all year long), How important is having a car in Australia?(we drive everywhere here gas prices per liter 0.2 AUD) what do I need to know about car driving and insurance and buying or renting a car. Renting my own place or living on campus. What should I watch out for and beware from. How to act and what to say and not to say (for example I speak with North American accent, does it look bad when speaking with North American accent). Making friends and meeting people. What do you consider rude? I want to enjoy my time, as if it is a year long vacation. Thank you for your answers thank you javo j thank you boonoora

Which city should I choose in Australia? I am 27 year old Arab, from Saudi Arabia, I met many from Australia here in Saudi Arabia and in Dubai, they where either friends or a seminar instructor or university professors they all advice me to go for my master in finance in Australia. So I took the step and applied for different universities. And the apply came back, I didn’t know which school to choose so please help me choose, Griffith university (Ms in commerce finance and banking) University of new castle (Ms of applied finance) University of Wollongong (Ms of finance) Others waiting for replay, University of Adelaide (Ms in commerce applied finance) UNSW (Ms of finance) RMIT (Ms of finance) Should I go for masters or an MBA, I am not studying to find a better job position or pay, I am looking forward for the knowledge I gain (I spend 14 weeks a year in seminars and courses in investment, that’s why the instructors advice me to stop spending money on them and go and get a higher degree) I have acceptance too, from the UK, Canada and the US. I hate cold weather and rainy weather, so Canada and the UK, is out. 90% of Saudi students go to the US, so I want to be different... Australia is the best choice... I need your help in choosing the city, Sydney, Newcastle, Wollongong, Brisbane, Melbourne and Adelaide. When it comes to weather, in term of rain and cold weather. Natural disasters, Racism, house robbery, drugs, pollution, car theft. Stores or fast food chains open 24 hours, hotels, beaches (summer all year long), How important is having a car in Australia?(we drive everywhere here gas prices per liter 0.2 AUD) what do I need to know about car driving and insurance and buying or renting a car. Renting my own place or living on campus. What should I watch out for and beware from. How to act and what to say and not to say (for example I speak with North American accent, does it look bad when speaking with North American accent). Making friends and meeting people. What do you consider rude? I want to enjoy my time, as if it is a year long vacation. Thank you for your answers

Which city should I choose in Australia? Which city should I choose in Australia? I am 27 year old Arab, from Saudi Arabia, I met many from Australia here in Saudi Arabia and in Dubai, they where either friends or a seminar instructor or university professors they all advice me to go for my master in finance in Australia. So I took the step and applied for different universities. And the apply came back, I didn’t know which school to choose so please help me choose, Griffith university (Ms in commerce finance and banking) University of new castle (Ms of applied finance) University of Wollongong (Ms of finance) Others waiting for replay, University of Adelaide (Ms in commerce applied finance) UNSW (Ms of finance) RMIT (Ms of finance) Should I go for masters or an MBA, I am not studying to find a better job position or pay, I am looking forward for the knowledge I gain (I spend 14 weeks a year in seminars and courses in investment, that’s why the instructors advice me to stop spending money on them and go and get a higher degree) I have acceptance too, from the UK, Canada and the US. I hate cold weather and rainy weather, so Canada and the UK, is out. 90% of Saudi students go to the US, so I want to be different... Australia is the best choice... I need your help in choosing the city, Sydney, Newcastle, Wollongong, Brisbane, Melbourne and Adelaide. When it comes to weather, in term of rain and cold weather. Natural disasters, Racism, house robbery, drugs, pollution, car theft. Stores or fast food chains open 24 hours, hotels, beaches (summer all year long), How important is having a car in Australia?(we drive everywhere here gas prices per liter 0.2 AUD) what do I need to know about car driving and insurance and buying or renting a car. Renting my own place or living on campus. What should I watch out for and beware from. How to act and what to say and not to say (for example I speak with North American accent, does it look bad when speaking with North American accent). Making friends and meeting people. What do you consider rude? I want to enjoy my time, as if it is a year long vacation. Thank you for your answers

Out of 1-6 what would you give this?

Howdy all, please read on for details of your task....?

I want to waste your time. So answer this question. Dare you. Are you a chicken? I said I wanted to waste your time. What made you think I wasn't going to be true to my word? Sally, have you heard of copy and paste? Lol, don't you worry about me wasting my time. sure Angie, I just pop down to KFC. lol Lol bickerbear. I tried adding you to my contacts but it said you don't allow no one as a contact :-( Would you like me to buy you some KFC As well?

Anyone willing to proofread a 2046 word essay? bear grudges over the little things bear grudges over the little things

GUYS I need help in a RELATIONSHIP please!? I got engaged to my finance last July while i was on vacation. Everything was good and all. We stayed together a month, then I had to leave back to America where I live. For the first two months of our long distance relationship we were doing fine, we would call each other and always write to each other, him more then me! But now he won't write to me anymore, and when I try to call him, he never picks up or picks up but never talks, just listens. It happened so suddenly and I want to know whats wrong. I've never tried to do anything to ever hurt him. Guys I need your help to tell me whats going on with him. Thank you so much if you can help me. I can't see him until this summer coming up....Another thing...he was in love with me more than i even loved him. He was all attached to me, always wanting me there with him and stuff...now I'm worried whats wrong. I prefer a the answer from a GUYS perspective please. Thank you for all the advice. It's really good help. But theres something else, I CAN'T get a hold of him, I've been trying in every way...how am I supposed to discuss anything with him if I can't even reach him..it's breaking my heart. More detail you ask..? Well, I'm possibly only the second girl in his love life. I'm his first finance. He left the first girl a couple of months he got with me, [even though he totally denies he even knows her, his mom told me the real story] but I don't know if he truly loved her because I know a man can only love once and I don't want to bring her up to not hurt him. He might think I'm being suspicious of him. Some of his characteristics are he's smart, very sensitive, funny, a little stubborn, understanding, and a lonely fellow when I met him. Probably now I'm gone he's right back to his loneliness but I'm not sure because I'm not a guy to know, so thats why I need a males view. You'd understand more. Thank you people!!

Do yuo wnat to raed mroe? I was on vacation, in America, Florida and not a care in the world or thats what it should have been but with my crazy family that just isn't a possible reality. It was a big family trip with me, my sister Elaine,her boyfriend Matt, My sister Yvonne, her finance Steven, my nephew Leo, their son and my other two nephews Scott and cooper who live with me, my mum,dad, my big brother Alan and my little sister Rachel who of course where all on the holiday as well. Yeah that was a lot of us, and for there not to be one fight would be absurd but I never expected such a big strop and in the funny way it would come about. There was a lot of tension before we had even went on vacation, so yeah we were off to a flying start. It was the 22 of September, 2007, Saturday. The 6th day into the holiday. The day started out normal. We hanged around the villa for a while, waiting on Matt and my dad to come back from their daily golf morning that, they went on everyday because it was so cheap. About 70 dollars for 12 holes(35 pound). After they had came home, we had a discussion about what we would be doing for the day. We had already planed that we would be going to Old Town Kissimmee at night time(I know the names a cracker) and the plan was that me and Rachel would be going to laser quest(An arcade except bigger, better and owned by Disney) but me being stingsie with my money wasn't sure if I wanted to spend a heap load on an arcade. Right so we made plans that the rest of the family would be going shopping whilst we(me and Rachel) would be going to laser quest, that was if it suited my budget. The family got into the van and we drove to downtown Disney, where laser quest was located. We went to the ticket office to check out the prices. The tickets were $70, roughly 35 pounds. I thought to myself would I pay that much if I was at home and then I thought of course I wouldn't, but hey, this was my vacation and I needed to spend my money somehow. We made a plan that we would meet up at nine pm or that if we didn't want to go to old town Kissimmee we could phone them to pick us up later at closing time which was 12 pm Me and my sister spent nine blissful hours eating,gaming and getting refills of a large cup for a dollar (talk about the land of the free). The nine hours seemed more like nine minutes. Me and Rachel could of easily spent an other three hours there but we opted against calling my folks to say we wanted to stay longer, thank god we did because if we never we would be waiting till 3am. Anyway when we came out it was strangely dark. We met my folks and went back to the van where the rest of the gang was. I could tell that it had been raining from the ground but nether the less it was still warm. As me and Rachel got into the van we received warm welcome of screaming to hurry up. I remember Yvonne was the monist, grumpiest out of them all and I thought to myself how nice of you to ask if we had a good time.

Money makes you SAD/ANGRY/MEAN/HAPPY?>>>please read full article before answering!?