What follows is a synopsis of MasterCard’s rules regarding card acceptance straight from their merchant guide. The rules regarding card acceptance aren’t quite as explicit as Visa’s in some areas, though there are many parallels. Also note that there are many more rules that what I’ve listed below — I tried to filter out the ones with the least everyday relevance.
Honor all cards. Merchants are required to honor all valid MasterCards without discrimination when properly presented for payment. Merchants may not discriminate amongst customers who seek to make purchases with a MasterCard, nor can they discriminate against or discourage the use of a MasterCard in favor of another brand.
There are several debt settlement companies are available for your debt settlement, but you have to find the trusted agency to settle your debt. Gaining some knowledge of settlement program will give you some experience in your financial crisis.
Unless you're sedentary there's more involved in you're body absorbing nutrtion and maintaining good health than ONLY bioavailability cooking and processing. Frozen is as good as canned in other research I've read. Pick your poison on how to stay fit and health. No one lives forever and escapes this existence alive, contrary to popular beliefs.
My cats are my motivation. They are always there for me and love me unconditionally, and they are totally dependent on me for their needs. I am motivated to keep my crappy job because the bi-weekly paycheck pays the rent, utiliity bills and buys the organic cat food, and cat litter.
Matt, thanks for your comment. Believe me, it was definitely well worth it. Can't wait to see how the lager comes out. If there is a homebrewer's store or group in your area, they are extremely helpful.
Get an agent that knows the area you are looking in and they won't overbid! If you want the house bad enough, payt a little more! It is worth it in the end! I lost seveal homes not wanting to hassle with the war but when I found my dream home, I paid what I could and what it was worth and got it!
Pretty cool stuff. I've always been curious about the homebrewing thing. I'm not sure I have the patience, though. And then I think I'd be afraid to try it. And then, what if it's no good, then all that work for crappy beer. I can go to the store and get crappy beer in 5 minutes for $15 a case. Hahaha, it sounds like your experience was well worth it, though. Kudos to you!
I just found this article so I'm a little late on commenting but I wanted to clarify that you can't depreciate your investment property to a $0 cost basis since you have to back out the value of the land.
When discouraged, I like to think of the things in my life that I love, then I ask myself if what I am struggling with is going to get me closer to those things or bring me more happiness. If the answer is yes, I have all the motivation I need to continue on. If not, then I need to figure out if I need to be spending my energies on it. My boring job provides financial security and health insurance for my family, knowing that helps me find ways to tolerate the boredom.
I got a job with the census. I hate it. You really DO have to go door to door, ask nosy questions and almost everyone is angry because they have to answer them. I have had doors slammed in my face and people are generally rude. I really think it's downright dangerous to send people door to door ALONE. Who knows what you'll find.
I get 15 dollars and hour and 50 per mile. It's not worth it. I'm quitting.
We have been shareholders, patient ones, with family members of AVENTINE RENEWABLE ENERGY since early 2007. In January of this year, we, Bill and Sheila Toomey, sat in attendance during a Bankruptcy, in Wilmington, DE, hearing, where our objections were entered into the dockets record. We are not lawyers and our attendance was with sincere respect to the court, for entering our objections. We learned, quite quickly, the procedural format of lawyers takes precedence over the actual evaluation of data impacting this entire Bankruptcy, in progress.
With the manner of how this has developed, we have the following concerns and are frustrated with the procedural process inability to resolve these concerns. We are and have been shareholders, yet, our rights, as shareholders to VOTE on the initial bankruptcy filing, the selection of the ever changing senior management and the Board of Directors have ignored and excluded our input, as members of majority shareholders . We have been consistently superseded by a creditor group who had directed the activities of the senior management and Board of Directors prior to the Bankruptcy filing, and continue to do so, as indicated by previously employed senior managers. We, the shareholders, have not been considered, informed or included in the decision making process for over two years, well before the Bankruptcy filing. From our perspective, we had been passively patient not even considering how our management and Board of Directors were taking direction from the company financial advisor, and creditor, while excluding shareholders. It is this obvious CONFLICT(s) of Interest(s) which causes us to implore your support for the overdue formation of a Shareholders Committee.
Further, we would request an understanding, with explanation, why a creditor group and financial advisor selected and voted successfully a POR, Plan of Recovery, which was overwhelmingly rejected, by over 70% of the actual shareholder owners. Those who won the vote for the exclusive POR, submitted, were nothing more than bondholders who could, and can, be paid, as promised through the cash flow of the business. Of course, they would like to take ownership of the company for serviceable debt, but why should a creditor and financial advisor be placed into a position to take the company from the shareholder owners, without the shareholders choice to pay the debt, as promised ?
Finally, we the shareholders, having been excluded and ignored throughout this procedural process, we find completely unnecessary, humbly request, your support of the shareholders right to call an immediate shareholders meeting, in April 2010, to deliberate in these details for the benefit, inclusion and future success of employees, shareholders, partners and customers of Aventine Renewable Energy. We may not be lawyers, but we know what paying debt and managing a business requires. Given the opportunity, we will ensure the bills are paid and business responsibilities are conducted as the principles of business ethics expect. We believe the actual bankruptcy filing should be rejected, dismissed, because the rationale and premise, for filing, have been proven to not satisfy or meet the need for Bankruptcy protection.
Your consideration and approval of these requests are in line with the respect shareholders deserve for their investment in this company and in how shareholder rights are understood by the majority of existing, shareholder owners.
Thank you for your time and sincere consideration of our humble requests.
I've done several batches over the last few years (with Charlie Papazian at my side) and find it to be a great hobby. When people find out I brew (or am brewing) they go nuts with questions and requests to join in which is also great fun.
One thing I recommend is slowly investing into the flip-top bottles - I do the one liter ones. It cuts down on the number of bottles and speeds up the bottling process. If I'm making something for a party I still do the regular beer bottles but if somethings for my own personal consumption I do the big ones to save space and time.
With all the cross-breeding and genetic engineering that goes on these days, I'm surprised we don't have more edible weeds-- but then I realize, where's the profit?
So I blame the agricultural industry for growing stuff that costs billions to grow, harvest and deliver, when everything we need could be growing right on our own front-lawns. Thank you Crony-Capitalism! Otherwise, plant-scientists could get filthy-rich by patenting "steak-grass" and other weeds that would grow everywhere, and that you could harvest with a lawn-mower. But that won't happen because Big Agriculture makes the rules and gets the subsidies.
It used to be that bank shareholders were on the line—to a measured and predetermined amount—when the bank was in danger.
This was back in the days when stocks were more like bonds, and had a face value. If you owned $1000 worth of stock in Bank X, you could expect to bring home dividends during good times—several precent of $1000 every year.
During bad times, though, you were on the hook for an additional $1000, if the bank saw its capital reserves dwindle. If the board called for it, every shareholder was obliged to cough up an additional amount equal to the capital value of their current shareholdings.
That seems like a really good compromise, to me. It doesn't have the lottery aspect of having the government coming along after-the-fact and picking a few people who'd been doing the same thing as everyone else. It also lets corporations remain "limited liability," just the limit is potentially double your investment.
That would make shareholders keep a much closer eye on the board of directors, I expect.
We never gave the children a choice in what they were eating but had a 5 bite rule. You had to take 5 bites of each item that was on your plate, no arguments, no discussion, it was a rule. We also NEVER commented on what they ate. They might have hated broccoli for years only taking their five bites and then one night they would be asking for seconds. When it came to lunches I had a major battle plan which I wrote about in "Cheap, Easy and Healthy School Lunches" I would never eat anything off my child's plate not because I find it icky but because of issues with weight gain. The old saying is "You don't want left overs to go to "waist".
This is so wonderful. I am also so excited. I just completed my 3rd trial payment on April 1st. I was told that as of Apil 27th my modification is permenant. I am so happy. My payments were $1596.00. They have now been lowered to $702.53. This was a long process and I stopped making my mortgage payents last year in June 2009. My trial began Feb 2010 and now my modification if finally permenant and I thank God that this new program was available. If not for the Making Homes Affordable I surely would have lost my home. This program is not a scam...
I think these are great tips, and fabulous basic financial manouvers for anybody to focus on if they can't articulate their desires. When I was a financial planner, I encouraged my clients to dream. Want to be a published author? Great! Tell me about it! I might not be able to create a tangible plan to get you there, but knowing that your income sources and structures might change down the road is an important thing to know and plan for.
And I also recognize that goals - and plans - change. Just because you tell your financial planner you want to do "A" in your first meeting, doesn't mean you have to stick by it for the rest of your life! My life is a perfect example of rolling with the punches and changing and evolving with opportunities. I've made numerous lifestyle changes, and my current life as a full-time traveler is all about constant change. I am a true planner inside and out, and although I may have some plane tickets booked and volunteer gigs lined up for a few months from now, I also barely know what next week will hold. What I do know is exactly what I'm financially ready for (and able to take advantage of) - now, and in the future.
So don't be afraid to set goals and to plan for them. Any good financial plan is built to evolve with you and your goals, not to constrain you. Sometimes having a goal - a dream - to hang on to can give you a little more motivation to go through the basic steps as outlined above, rather than simply doing something because you think it's the thing to do.
@Hadley - Absolutely: every situation is different, as is just about every policy. So read the fine print and decide for yourself if it gives you what you need.
@Tina - It's always worth a shot to ask if there are any premiums refundable to you. If you paid for a year in advance, they'll often refund you the portion of the year that you haven't used up. It never hurts to ask!
What follows is a synopsis of MasterCard’s rules regarding card acceptance straight from their merchant guide. The rules regarding card acceptance aren’t quite as explicit as Visa’s in some areas, though there are many parallels. Also note that there are many more rules that what I’ve listed below — I tried to filter out the ones with the least everyday relevance.
Honor all cards. Merchants are required to honor all valid MasterCards without discrimination when properly presented for payment. Merchants may not discriminate amongst customers who seek to make purchases with a MasterCard, nor can they discriminate against or discourage the use of a MasterCard in favor of another brand.
There are several debt settlement companies are available for your debt settlement, but you have to find the trusted agency to settle your debt. Gaining some knowledge of settlement program will give you some experience in your financial crisis.
Unless you're sedentary there's more involved in you're body absorbing nutrtion and maintaining good health than ONLY bioavailability cooking and processing. Frozen is as good as canned in other research I've read. Pick your poison on how to stay fit and health. No one lives forever and escapes this existence alive, contrary to popular beliefs.
My cats are my motivation. They are always there for me and love me unconditionally, and they are totally dependent on me for their needs. I am motivated to keep my crappy job because the bi-weekly paycheck pays the rent, utiliity bills and buys the organic cat food, and cat litter.
Matt, thanks for your comment. Believe me, it was definitely well worth it. Can't wait to see how the lager comes out. If there is a homebrewer's store or group in your area, they are extremely helpful.
WB, thanks for your comment. Gotta check out the flip-top bottles. Cheers to you!
Get an agent that knows the area you are looking in and they won't overbid! If you want the house bad enough, payt a little more! It is worth it in the end! I lost seveal homes not wanting to hassle with the war but when I found my dream home, I paid what I could and what it was worth and got it!
Pretty cool stuff. I've always been curious about the homebrewing thing. I'm not sure I have the patience, though. And then I think I'd be afraid to try it. And then, what if it's no good, then all that work for crappy beer. I can go to the store and get crappy beer in 5 minutes for $15 a case. Hahaha, it sounds like your experience was well worth it, though. Kudos to you!
I just found this article so I'm a little late on commenting but I wanted to clarify that you can't depreciate your investment property to a $0 cost basis since you have to back out the value of the land.
Otherwise, carry on.
Betty
My daughter keeps me motivated!
When discouraged, I like to think of the things in my life that I love, then I ask myself if what I am struggling with is going to get me closer to those things or bring me more happiness. If the answer is yes, I have all the motivation I need to continue on. If not, then I need to figure out if I need to be spending my energies on it. My boring job provides financial security and health insurance for my family, knowing that helps me find ways to tolerate the boredom.
I got a job with the census. I hate it. You really DO have to go door to door, ask nosy questions and almost everyone is angry because they have to answer them. I have had doors slammed in my face and people are generally rude. I really think it's downright dangerous to send people door to door ALONE. Who knows what you'll find.
I get 15 dollars and hour and 50 per mile. It's not worth it. I'm quitting.
April 22, 2010
MORGAN STANLEY
Metalmark now CITIBANK
Whitebox
Wachovia
Bank of America
We have been shareholders, patient ones, with family members of AVENTINE RENEWABLE ENERGY since early 2007. In January of this year, we, Bill and Sheila Toomey, sat in attendance during a Bankruptcy, in Wilmington, DE, hearing, where our objections were entered into the dockets record. We are not lawyers and our attendance was with sincere respect to the court, for entering our objections. We learned, quite quickly, the procedural format of lawyers takes precedence over the actual evaluation of data impacting this entire Bankruptcy, in progress.
With the manner of how this has developed, we have the following concerns and are frustrated with the procedural process inability to resolve these concerns. We are and have been shareholders, yet, our rights, as shareholders to VOTE on the initial bankruptcy filing, the selection of the ever changing senior management and the Board of Directors have ignored and excluded our input, as members of majority shareholders . We have been consistently superseded by a creditor group who had directed the activities of the senior management and Board of Directors prior to the Bankruptcy filing, and continue to do so, as indicated by previously employed senior managers. We, the shareholders, have not been considered, informed or included in the decision making process for over two years, well before the Bankruptcy filing. From our perspective, we had been passively patient not even considering how our management and Board of Directors were taking direction from the company financial advisor, and creditor, while excluding shareholders. It is this obvious CONFLICT(s) of Interest(s) which causes us to implore your support for the overdue formation of a Shareholders Committee.
Further, we would request an understanding, with explanation, why a creditor group and financial advisor selected and voted successfully a POR, Plan of Recovery, which was overwhelmingly rejected, by over 70% of the actual shareholder owners. Those who won the vote for the exclusive POR, submitted, were nothing more than bondholders who could, and can, be paid, as promised through the cash flow of the business. Of course, they would like to take ownership of the company for serviceable debt, but why should a creditor and financial advisor be placed into a position to take the company from the shareholder owners, without the shareholders choice to pay the debt, as promised ?
Finally, we the shareholders, having been excluded and ignored throughout this procedural process, we find completely unnecessary, humbly request, your support of the shareholders right to call an immediate shareholders meeting, in April 2010, to deliberate in these details for the benefit, inclusion and future success of employees, shareholders, partners and customers of Aventine Renewable Energy. We may not be lawyers, but we know what paying debt and managing a business requires. Given the opportunity, we will ensure the bills are paid and business responsibilities are conducted as the principles of business ethics expect. We believe the actual bankruptcy filing should be rejected, dismissed, because the rationale and premise, for filing, have been proven to not satisfy or meet the need for Bankruptcy protection.
Your consideration and approval of these requests are in line with the respect shareholders deserve for their investment in this company and in how shareholder rights are understood by the majority of existing, shareholder owners.
Thank you for your time and sincere consideration of our humble requests.
May God guide and Bless you.
Sincerely,
William J Toomey and Sheila M Toomey
Shareholders Aventine Renewable Energy
http://register-news.com/news/x2143174581/Lay-Skilling-convicted-in-Enron-collapse
http://www.bloggingbuyouts.com/morgan-stanley-capital-partners/
Welcome to the world of Homebrewing!!
I've done several batches over the last few years (with Charlie Papazian at my side) and find it to be a great hobby. When people find out I brew (or am brewing) they go nuts with questions and requests to join in which is also great fun.
One thing I recommend is slowly investing into the flip-top bottles - I do the one liter ones. It cuts down on the number of bottles and speeds up the bottling process. If I'm making something for a party I still do the regular beer bottles but if somethings for my own personal consumption I do the big ones to save space and time.
Anyway - relax and enjoy your homebrew! Cheers,
With all the cross-breeding and genetic engineering that goes on these days, I'm surprised we don't have more edible weeds-- but then I realize, where's the profit?
So I blame the agricultural industry for growing stuff that costs billions to grow, harvest and deliver, when everything we need could be growing right on our own front-lawns. Thank you Crony-Capitalism! Otherwise, plant-scientists could get filthy-rich by patenting "steak-grass" and other weeds that would grow everywhere, and that you could harvest with a lawn-mower. But that won't happen because Big Agriculture makes the rules and gets the subsidies.
It used to be that bank shareholders were on the line—to a measured and predetermined amount—when the bank was in danger.
This was back in the days when stocks were more like bonds, and had a face value. If you owned $1000 worth of stock in Bank X, you could expect to bring home dividends during good times—several precent of $1000 every year.
During bad times, though, you were on the hook for an additional $1000, if the bank saw its capital reserves dwindle. If the board called for it, every shareholder was obliged to cough up an additional amount equal to the capital value of their current shareholdings.
That seems like a really good compromise, to me. It doesn't have the lottery aspect of having the government coming along after-the-fact and picking a few people who'd been doing the same thing as everyone else. It also lets corporations remain "limited liability," just the limit is potentially double your investment.
That would make shareholders keep a much closer eye on the board of directors, I expect.
I believe hawala system is one of the most effective ways to conceal your illicit income.
I think im going to try this on my Sonic Gems Collection
Thanks in advance
Ps:if i were you DO NOT WATCH THE ONE THAT MENTIONS SOMETHING ABOUT 1:09 it gave me nightmares
We never gave the children a choice in what they were eating but had a 5 bite rule. You had to take 5 bites of each item that was on your plate, no arguments, no discussion, it was a rule. We also NEVER commented on what they ate. They might have hated broccoli for years only taking their five bites and then one night they would be asking for seconds. When it came to lunches I had a major battle plan which I wrote about in "Cheap, Easy and Healthy School Lunches" I would never eat anything off my child's plate not because I find it icky but because of issues with weight gain. The old saying is "You don't want left overs to go to "waist".
Wow! Best idea yet!
This is so wonderful. I am also so excited. I just completed my 3rd trial payment on April 1st. I was told that as of Apil 27th my modification is permenant. I am so happy. My payments were $1596.00. They have now been lowered to $702.53. This was a long process and I stopped making my mortgage payents last year in June 2009. My trial began Feb 2010 and now my modification if finally permenant and I thank God that this new program was available. If not for the Making Homes Affordable I surely would have lost my home. This program is not a scam...
Victor G
I think these are great tips, and fabulous basic financial manouvers for anybody to focus on if they can't articulate their desires. When I was a financial planner, I encouraged my clients to dream. Want to be a published author? Great! Tell me about it! I might not be able to create a tangible plan to get you there, but knowing that your income sources and structures might change down the road is an important thing to know and plan for.
And I also recognize that goals - and plans - change. Just because you tell your financial planner you want to do "A" in your first meeting, doesn't mean you have to stick by it for the rest of your life! My life is a perfect example of rolling with the punches and changing and evolving with opportunities. I've made numerous lifestyle changes, and my current life as a full-time traveler is all about constant change. I am a true planner inside and out, and although I may have some plane tickets booked and volunteer gigs lined up for a few months from now, I also barely know what next week will hold. What I do know is exactly what I'm financially ready for (and able to take advantage of) - now, and in the future.
So don't be afraid to set goals and to plan for them. Any good financial plan is built to evolve with you and your goals, not to constrain you. Sometimes having a goal - a dream - to hang on to can give you a little more motivation to go through the basic steps as outlined above, rather than simply doing something because you think it's the thing to do.
Is it a coincidence that they are all male? Have any teenage girls started similarly succesful companies?
Funny that people think bread, butter ansd sugar is so bad for you - but toast it and add fuit juice (i.e. jelly) and it becomes entirely normal!
@Hadley - Absolutely: every situation is different, as is just about every policy. So read the fine print and decide for yourself if it gives you what you need.
@Tina - It's always worth a shot to ask if there are any premiums refundable to you. If you paid for a year in advance, they'll often refund you the portion of the year that you haven't used up. It never hurts to ask!