My husband and I have been married for 3 years. We were together about 11 years before we got married. There is no question as to whether or not we are getting a divorce..he has already moved out. I just have a few questions about finances and such. Ok the property I have was is in my name..it was mine before we got married. I paid most of it off, and then about a year ago he paid the last 10,000 on it...and paid it off. He is on disability for his back and draws close to 2000 a month. Plus he has a great deal of money(about 100,000 in his 401k). And other things he has. He has not paid any bills since he has lived here with me(over 3 years) And just in the last year he has paid 350/month for my health insurance. And that is every he has paid..I pay for his cell phone..buy every his cigarettes...every thing. He is an alcoholic and a bad gambler. He will spend over 1800 in internet gambling a month. I buy every his beer. He is abusive...to the point where he has used guns to threaten my life. He goes out to bars and the races and sometimes doesnt arrive home every night..spends a great deal of his spare time with his exwife and 20 yr old son(and Im not invited) My first question is..I know that sometimes when you are married to a disabled person and receive divorced, you have to pay them alimony ...but since he makes more/has more money than i do..is this still the case? My second question is..since he hasnt paid anything and i have basically paid for him (other than 350/month for health insurance for the last year) would I have to pay the 10 thousand back to him that he paid for my home, to pay the relax off? If anyone could help me than would be great. Also I dont know if it matters but we live in Kentucky. Thanks.
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My husband and I have been married for 3 years. We were together about 11 years before we got married. There is no question as to whether or not we are getting a divorce..he has already moved out. I just have a few questions about finances and such. Ok the property I have was is in my name..it was mine before we got married. I paid most of it off, and then about a year ago he paid the last 10,000 on it...and paid it off. He is on disability for his back and draws close to 2000 a month. Plus he has a great deal of money(about 100,000 in his 401k). And other things he has. He has not paid any bills since he has lived here with me(over 3 years) And just in the last year he has paid 350/month for my health insurance. And that is every he has paid..I pay for his cell phone..buy every his cigarettes...every thing. He is an alcoholic and a bad gambler. He will spend over 1800 in internet gambling a month. I buy every his beer. He is abusive...to the point where he has used guns to threaten my life. He goes out to bars and the races and sometimes doesnt arrive home every night..spends a great deal of his spare time with his exwife and 20 yr old son(and Im not invited) My first question is..I know that sometimes when you are married to a disabled person and receive divorced, you have to pay them alimony ...but since he makes more/has more money than i do..is this still the case? My second question is..since he hasnt paid anything and i have basically paid for him (other than 350/month for health insurance for the last year) would I have to pay the 10 thousand back to him that he paid for my home, to pay the relax off? If anyone could help me than would be great. Also I dont know if it matters but we live in Kentucky. Thanks.
This is how my “wife” feels “my husband does'nt feel like he should "buy" me anything- that I should buy things myself, which I do but shouldn't he take care of me- his lady to some degree. He refuses to wash my car, pay for beauty maintenance-hair, nails, spa- nothing not even a piece of jewerly. I'm not a gold digger, but jeez can I receive a crumb and not feel guilty about asking. I don't feel pretty anymore, but I try to keep myself up for my self esteem. I receive jealous when my sister and friends receive gifts from their husbanns, taken on trips, etc. But not me, I just keep cleaning, cooking and taking care of 4 kids like a servant. I need more and I've told him that- but he feels like I'm trying to trick him or something- like a gold digger.” Now she fails to mention that I also take care of the home and kids (I think I do it better than her – seriously); I pay every the bills (mortgage, utilities, food, insurance, everything) for a family of 5 (wife and three daughters), I’ve been trying to receive out of the debt hole for the last 2 years, cant afford right now to buy clothes for myself, and try to squeeze in a haircut once in a while. Although I don’t have the money right now I tell her “as soon as my finances are straight things will receive better”. I try to take her out once in a while to keep the peace. For the first time in 2 years I have put in my budget a trip for the family to Cancun for June this year. Its difficult doing this by myself. I even told her that any money she earns on her part time job is for her possess personal use. One other note – we’ve been together 5 years and she claims that she has not been able to find a normal job. I’ve been holding her down, what am I doing wrong?!
According to www.innovation.gov.au, the largest contributions to economic production in 2008–09 came from property & business services (11.6 per cent), finance & insurance (7.4 per cent) and construction 7.2 per cent). Im wondering how much lower our GDP would have been without the artificial FHOG boost, and hence possibly resulting in a defined recession.
However, the car was returned to the finance company because I didnt want to pay the $1000 deductible for something that shouldve been totaled!! The total damage was $9300 but my car was really only worth $8700 (and thats what the finance company ended up auctioning it off for.) My adjuster told me he never even did a Fair Market Analysis!! I need serious legal help. I'm sleepy of getting screwed by people!!
Objective: An interesting position at someplace where I can use my knowledge, skills and abilities for the benefit of the company. Qualification: University of ABC Master of Quantitative FinanceNOW University of ABC Bachelor of Arts - Economics Enrolled in advanced courses in Micro & Macro Economics, International Trade, Industrial Organization, Money and Banking, Managerial Skills Development, Operations Management, and Combinatorics Exhibits excellent time management skills by completing the program despite taking 6 full-time courses in summer & joining the Anime club Employment Experience: ABC Trading Ltd. Manger200x to 200x - Work closely with Sales, Quality Assurance, and Finance to meet customer's requests and manufacturer’s terms. - Handled shipping documents for sea and air freight deliveries, customers invoices, packing lists, insurance, bill of lading, letter of credits - Developed strong analytical and presentation skills as a key member of the group responsible to develop, assemble and gift the company annual status reports -Developed a good understanding of clearance procedures and customs requirements. Government of Canada Election Officer -Utilized Access database to input statistics -Greeted Voters in a professional and courteous manner Licensed Trader: Canadian Securities Course (CSC) 200x Conduct and Practices Handbook Course (CPH) 200x Futures Licensing Course (FLC) 200x Licensing Examination for Securities and Futures Intermediaries, Canadian Securities Institute Accomplishments: Wall road Fantasy Stock Completion Champion (200x) The Salvation Army-Junior Soldier (199x-199x) Calgary Centennial Penny steer (199x) Created print advertisements and flyers to successfully promote events for the University Participated in Kellogg Company Marketing Case Competition and Coca-Cola Marketing Competition Manages Bloomberg, MATLAB R2009b, Microsoft Excel 2007 SP2, C/C++, Unix, Adobe Dreamweaver CS4, Adobe Photoshop CS4 Extended & Manga Studio EX 4 Speaks fluent English & Cantonese, and a little bit of French Referees: Available upon request Note: I am failing my accounting course ... I want to switch my postgradute degree to finance . I don't want to do with my life :(
Can someone please help me find financial stability? I apologize ahead of time for the length but nobody has ever been able to help me before and I feel that is mostly because of my lack of communication up till now That being said First things first: I am turning 26 and have just over 15K in debt, which may not sound like much to some but for me right now feels like a million. Although I am a fairly intelligent young man, I find most anything to do with finances is like understanding another language. I'll be the first to admit (now in my life) I have been irresponsible in looking after my finances in the past. I believe that is in part that I have never been taught how to be responsible. I have about $10,000 in Hopsital/Doctor fees and pending surgery, $4,000 in unpaid tickets (dont ask), and $1,500 in Misc fees. And understand I have EVERY intention of paying them off. Right now I am going to community college and have not been making a real steady income. I have been bouncing around from job to job and was laid off recently. At this exact moment I am making no definitive income and cannot seem to find any work. I have recently filed for unemployment for the first time in my life so I at least have my basic necessities. I have "shied" away the past few years of debt hoping it would every just work itself out. (which I knew every along really would never happen, but had childish wish) For example, I have never even checked my credit score since I screwed up some minor credit card payments and phone bills when I was 18. (right outta the gate so to talk) I really want to tackle my financial problems now and learn from them so it never happens again. I am done procrastinating but dont know where to start. -One question I have and have been too embarrassed to ask anyone: is if it is possible, even with the low credit I have, to apply for a credit card and transfer every my debt I have so I can consolidate(i believe thats the right word) every my debt into one bill. (basically turning 15 bills into 1 somewhat more expensive bill) Also I have no medical insurance and am in need of surgery for a torn acl and dont currently have the money to do anything about it. I have had this problem since I initially screwed up my credit when I was 18 and feel this has been one of the main reasons I have not been able to overcome my debt. Obviously I know the dangers now of misusing a credit card and ONLY want one now to make my life somewhat easier and receive the surgery I need as soon as I can so I can move on with my life. Even if it takes some extra work and money overall to become debt free, I am willing to do it. Is this a good/bad idea? Why? -What would someone who knows finances do if they were in my situation and not only wanted to be debt free but needed surgery? One upside to this every is right now I have the ability to goto school (with my tuition provided) until 2013. So at this point in my life I can worry about school without adding to my debt so one day soon I'll be able to cease going from job to job and start my career, which coincidentally is helping others in need (Not financially obviously considering I cant really seem to help myself at this point) I realize I have been what some would call childish in the past, so please, spare me the ridicule as I deal with it constantly and am alot more mature than -I- ever thought I even could be this early in life. every I want is to learn from this and move on. Thank You
My son has to send his bank statement to a finance company. He wants to make his state of affairs look a bit healthier. His statement has been saved to an excel spreadsheet, if he edits this will the recipient know about it. Me and his Dad are actually financing the car he is buying , but for him to receive insurance it needs to be his name on the finance. He will be paying it, we will just be taking a smaller amount monthly over a longer period of time. I just don't know how spreadsheets work at all
I went to buy a new car yesterday. It practically took me a half day to look for a car and then wait to sign papers. While I was waiting, I was introduced to their marketing guy who try to sell me some more products. I refused and was starting to receive antsy. I think it had been 3 hours now and I haven't eaten lunch. So finally the business or finance person is introduced to me and he goes over more sales stuff. every I wanted to do was sign the paperwork to finance the car and receive me the hell out of there. He was trying to sell me some warranty plans, gap insurance, and so on. I told him no I wasn't interested, I want to keep my payments as low as possible. He still went on asking why this why that? So I finally got fed up and said something like, "Look, I know what I want. You are driving me out of here where I'm not going to want to buy this car." and he finally shuts up and hurries up and just lets me sign the paperwork. I know he was just doing his job and he gets paid on commissions, but I hate it when sales people just won't let me go when I've already said I'm not interested.
no abolishment of the private sector health insurance industry,and no take over of medical facilities? There is no public option in the current health care reform bill so the government is not providing health care. The government is providing health care reform or regulation. That the government can do per the U.S. Constitution. U.S. Constitution - Article 1 Section 8 The Congress shall have Power ... To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. REGULATE: To adjust by rule, method or established mode; as, to regulate weights and measures; to regulate the assize of bread; to regulate our moral conduct by the laws of God and of society; to regulate our manners by the customary forms. 2. To put in good order; as, to regulate the disordered state of a nation or its finances. 3. To subject to rules or restrictions; as, to regulate trade; to regulate diet. COMMERCE - 1. In a general sense, an interchange or mutual change of goods, wares, productions, or property of any nice, between nations or individuals, either by barter, or by purchase and sale; trade; traffick. Commerce is foreign or inland. Foreign commerce is the trade which one nation carries on with another; inland commerce, or inland trade, is the trade in the exchange of commodities between citizens of the same nation or state. Active commerce. Like health insurance However I personally do not think making coverage mandatory coverage is constitutional but that will be for the courts to decide. definitions came the 1828 Websters dictionary. I use it because it is close to the time the Constitution was written. http://www.1828-dictionary.com/d/search/word,COMMERCE
I'm 20 years old. 21 in a few months. I'm in school to be a CNA (certified nursing assistant). I'll be done in a few months before my 21st birthday. I found out last week that I'm pregnant with somebody that I've known for 6 years and been with for 5. He's a rare catch, very supportive and very good to me, always has been. I immediately knew that I had to make a decision of keeping the baby or aborting it. I would not be able to cope with adoption so it is not an option. I am pro choice, and I always told myself that if the time wasn't right, then I would abort. Well, being in the situation changes your perspective. No matter what I decide my life is going to change forever. He was planning on joining the Navy regardless, so that would be half of our income. I work a little part time job, but I will be done with school and working in the healthcare field in July, long before the baby would be here in November. I also previously had intentions of taking online prerequisite classes for nursing (to become an RN instead of a CNA), and I have a type of income that is a bit over $1000/month for as long as I am in school for up to six years. I am also receiving a larger amount of money for something else, which I plan on using to pay for school in full and putting the relax in savings, which is several thousand dollars. So even if I were jobless, which won't happen, I would have $1000/month. I live with a relaxed parent who is retired, not home alot and let's me arrive and go as I please--I stay on the other side of the home and it's like having my possess little apt area. I don't pay rent here, or any other bills. I do pay for my car and insurance, and my phone which every comes to around $400-$500/month. The point is, finances will not be an issue. Worrying about how I'm going to finish school will not be an issue. Worrying about "oh who's the dad" will not be an issue--my boyfriend is the only person I've ever been with in my life. Worrying about his support is no issue--he is a natural with kids and babies, it is of his nature to be nice, gentle and caring. He wants me to keep the baby. He thinks that it is murder even though it isn't even a fetus at this point in time. He cringes at the thought and begs me to keep it, he says God meant for us to become a family at this time. He and I are the the same age, though. Exactly one month apart. I know people have babies at 16 and 17 like it's nothing these days, but isn't 20 a young age, still? I've always been "odd" or "different": I don't go out. I don't party. I went to a club once when I was 18 and said screw this, this sucks and went home to read a book and never went back. I don't have a lot of girlfriends, don't hang out alot, because I don't want or need to. I'm very mature for my age I guess, I just grew up and skipped every that stuff because it just isn't my thing. So I'm not being greedy here when I talk about abortion, I'm not worrying about myself and "what about my life" and "I'm still young, I want to go out and have fun". The two good friends that I have that I spoke to about this told me that there wasn't much holding me back from going through with having a child, but that I was just "looking" for something, looking for a reason to tell myself it was okay to have an abortion. Maybe they are right. I'm more spiritual than religious. I don't really have a religion, I just believe that there is a God and that he wants you to be good, peaceful, loving, and that's about it. But I feel like God would be disappointed in me. I would be disappointed in myself. What if I fell into a depression afterwards? I just keep thinking about years from now, when I'm sitting at the park watching my two kids play and thinking the whole time, there should be three, but I took it's chance for life. I'm just at a loss for words, my brain is exhausted from trying to figure this out, and I don't have a lot of time to make a choice. Haven't even told my parents yet because I want to go to them and be able to talk this over and tell them my full blown plans and intentions instead of being one of those people who sit in front of mom and sob and say I'm sorry and answer every question with "I dunno". If you're open minded and you have good advice...help? No one is deciding for me when I ask for advice. The idea is that someone new, who doesn't know me personally and cannot be biased, will have a different perspective and say something in a way that I didn't think of otherwise.
I am going out of town for six to eight months and I am not taking my car with me. I don't want to pay for insurance during that time since no one will be driving it. Since the car is financed does it have to stay insured?
i have a pre exsisting medical condition and im married and dont have medical insurance. my problem prevents me from having sex and i need a surgery that costs 8,500. is there any solutions? like financing or anything like that? please help
Ok, pretty soon I`m turning 18 and I wanna finance a car. How much will insurance cost me? These are the cars I wanna pick from! 2006 G6 2006 Nissan Altima 2006 dodge caliber or a chevy cobalt. I`m a first time driver and I will receive my L`s pretty soon. I`m from Southfield,MI
last month my insurance was canceled for nonpayment. it was intentional on my part. since then i have been receiving every these letters i don't really understand from the insurance company and the premium finance company. every this stuff about unearned premiums. last line from the letter i just received, "after application of the over credits, you have a balance due and owing on your account in the amount of $90.05. any idea what every this means?
On the good faith estimate where it says settlement charges $2100 for the mortgage insurance preminum but the premimum was already added to my loan....my home was 125K and with the insurance it came up to 127,100 minus 5000 down payment.which a finance of 122,100...if im paying the preminum in at closing then why did they add the money to the loan....i thought it was a one time fee?
My IVF cost is 7500 not including meds. I'm having the egg retrieval and embryo transfer on the week of April 21. My insurance is Tricare and my nurse told me Tricare doesn't cover ivf meds.I have a few questions, wish some one can help me. 1. How much did you pay for your every your medication? 2. Is there a place that donate IVF meds, or find it for cheaper? 3. What medication did you have to take? 4. Where can I find a place to finance $3,000 with 0 Interest (personal loan or credit card) Please help
First,before i even ask for advice let me give you my stand on credit etc.I really don't care about it!lol,here is the problem.I lost my job last year due to downsizing and i have a home in Georgia that i am close to being in foreclosure,like a year behind.I am on unemployment which pays like 300 a week and am looking to receive some roommates to help me with my mortgage if i can salvage this home somehow.I have 5k in credit card bills and have a student loan for 10k that is in forbearance.A car that is being financed which is a month tardy,insurance and owe the I.R.S. four thousand dollars which im making monthly payments on,yes my life is screwed!Someone tell me will a Bankruptcy cease a foreclosure?I need some advice!
Trying to buy a car, but im only 20 and full coverage insurance is expensive. Im looking for other options and wonder with in home financing do i need full coverage insurance???
Ok to clip the long story short My mum was paying for my bike insurance with MCE insurance direct debit from her account Im 16 I moved from home and the bill stopped getting paid for i had a new number and had no way of contacting my insurance I rang them around 4 times within 1-2 months asking about the status of my insurance policy and them telling me it was 100% ok A month later i receive told i owe them £90 for 2 months insurance they said there was a £30 fee for missing payments even though they told me everything was ok I told them i needed time to pay for this they said that was ok A couple of weeks later they phoned me and said it was now £120 for missing another month as i was trying to receive the money to pay for my bill A said i didnt have 120 right now so they said i have 1 day to find it or they will cancel the next day they cancelled and said they had refunded the finance company they said i had a £240 excess bill to pay off to the finance company even though they had been paid off what can i do i cant afford £240 i dont live with my parents and im in full time education at the moment im paying £10 a month until i find a way out
True or untrue. Insurance approval and evidence of coverage is required to receive a mortgage. True untrue True or untrue. When you rent your residence, taxes are paid as part of your rent payment. True untrue True or untrue. When you pay finance charges, or interest payments on your first home the amount is deducted from your federal income tax. True untrue Which of the following does NOT apply to Real Property? It is attached to the ground It is often mortgaged It is taxed It is capable of being moved Which term refers to a big value item or asset that is sold voluntarily? foreclosed repossessed liquidated auctioned
Ok so I just moved back to California, bought my car in Washington on the 21st of last month. I gave proof of employment, I was employed up until the 23rd of february. But now they are saying since I no longer have my job that I have to give the car back to them. I already signed for it and gave my 2,000$ down payment for it. Can they really do this? I have not missed any payments, granted the first one isn't due until the 23rd of March and I have full coverage insurance on it. Everything is good except the job part, and I also receive bah from my husband (soon to be ex ) so I have a steady income from him and enough money in my account for 4 car payments. I need help on what I should do. Anybody have this happen to them before?
Opening a tanning salon(something neat and sophisticated looking.) has been in my plans since I was about 14. every during high school I was home schooled and I worked for my dad cleaning newly constructed houses/businesses before they were put on the market for sale or lease. That is until things went below and he had to file for bankruptcy on every of the residential and commercial real estate that he developed. The I went to Costco for 2 years. From the 4 or so years I worked during school, I hoarded nearly every penny I made so I could fulfill my dream as an entrepreneur when I graduated from high school. Right after graduating from the Fulton County Public School System, I was set and went out looking for SOMETHING else to do to start my career in a self-owned business. Everything exceeded what my budget was set on until my dads good friends' dad was retiring and selling his repo company. So, I knew then at that time that was my opportunity. Luckily he allowed me to finance everything since he owned the stuff and he also let me walk in his lot that he's now leasing to me. So I've been in the repossession/recovery business for over a year now and with the economy HOPEFULLY shaping up, I've really been thinking about getting rid of my trucks & selling everything(of course after I have another main source of income coming in). The main reason is because I fear in about 2-3 years from now, this economy will have improved greatly and there won't be as much recovery work to cover every of my expenses associated with my company. ---OK so now my story about my young life is over, I'll receive to my main concern- Although I'm only 19 now, I've had credit since I was 15(I lied about my DOB on credit card apps which has now been corrected with every 3 credit bureaus). Every since then I ALWAYS did right and kept my credit immaculate as it still is. My Transunion FICO through MyFico is at 738 and is slowly rising as my accounts grow older and as my personal vehicle is on its way to being fully paid off. I do have credit cards, but have $0 in credit card debt. Since Mar. 8th 2009 to Dec. 31st 2009, my company has grossed approx. $480K. That number may be fairly big, but considering I have 3 other drivers/employees I pay commission to, repo insurance(nearly $13K for not even the full year), rent on my ex-car lot(just over $20K for not even the full year), tax, every utilities, and after going ahead and paying my "agent" off for financing the PC's, software, trucks etc., that number was lowered significantly. Fortunately, 2010 so far is just as busy as it has been for the past 10 months and I'm even having to send repo orders back to finance companies from not having enough time to do them every(I'm not buying another truck). Like I said, I'm really thinking about going into the tanning business and it's a decision I'll have to make between now and the next 2-3 years. Would someone like me at my age(I will be 21-22yo then) have a difficult time being approved for a $300K+ loan with the following factors: Company grossed $480K.(Honestly I want to leave this out of the app.) I netted about $110K during the last 3 quarters of '09.(before every of my personal bills/expenses.) I have roughly $80K in assets(2 recovery trucks, a money market account, and other misc. things). I have 3 checking accounts(2 personal, 1 business) I have 2 savings accounts. I have tax forms that have been filed and I also have bank and broker statements to prove my income. I have over average+ personal credit but no business credit.(no debt besides personal vehicle which will be paid off in 2 years or sooner) I have the knowledge, skill and common sense to know how to properly run a business. I can produce a legitimate business proposal. Hopefully within the next 2 or so years every of my assets and everything else will have grown.(if it doesn't there's a problem. lol) I know this is a lot of info, but my life ahead is really sticking to my nerves and I need support. I saw how my dad went from one minute having a lot of real estate to the next minute having to dig into his retirement money, and I want to avoid this by every means possible. I could be making a mistake by wanting to cease repossessing vehicles but as I said, I feel when this economy shapes up I won't even be grossing enough to cover everything and I don't want to lose my ***. The big question, how will banks view my status when attempting to obtain a commercial loan for roughly $300K? Would it be best if I go through the SBA? Could I receive the loan w/o having to include my total grossed income? I'm literally fretting over these things. Thank every of you guys for your support.
i bought a car on finance about 8 years ago and was forced to purchase gap insurance before they would give me the finance. i went on to have the car repossessed and so owe the money now to a debt collection agency is there anything i can do about this i've heard things before that people can do but don't know what to do myself
Any attempt will be considered: - Business Overdraft is an easy access to cover day to day expenses like buying stock or meeting payroll. - Westpac Business One Loan: Combine your day to day, seasonal and longer term funding needs in one convenient account. - Invoice finance allows you to convert up to 80% of your unpaid (approved) debtor invoices into cash flow for your business. - Insurance Premium Finance allows you to spread the cost of your business insurance premiums over a maximum of 12 monthly instalments.
This question is adressed to people who live in or nearby NYC and have GOOD knowledge of the NY IT job market. I've been looking for jobs on the web but haven't found any info on salary so I'd like to know what to expect for if I decide to move. I live in Quebec and I'm an IT consultant. As a freelancer (or is the proper expression "indepedant worker"?) in Quebec city my hourly rate ranges between 45-60$/hour and in Montreal it's usually about 10$ more. My salary is a bit higher than average because there is a shortage of workers in the particular branch of technology I work on. I mostly operate on mainframes and my experience with clients is pretty diverse...finance, retail, transport, communications, government, energy, insurance. Here are my questions: - Is there a similar rarity of mainframe developers in the U.S., more specifically NYC? - How much can one expect as a freelancer in NYC? - Overall, is the market doing good despite the recession? Is it difficult to receive contracts? - Is it easy to receive a working visa for a canuck in that particular type of work? - How much should a couple earn to make an OK living in Manhattan? I visited NYC and I'm ready to pack up and move at the first decent opportunity I receive.:-)
1. Used cars cost more to insure than new cars because they tend to break down. (1 point) * True * untrue 2. every of the following are reasons to LEASE a vehicle EXCEPT: (1 point) * you can manage your mileage * you take excellent care of your car interior and exterior * you expect to keep the vehicle for a long time * you prefer the reliability of new cars 3. every of the following are reasons to BUY a vehicle EXCEPT: (1 point) * you’re establishing your credit history * you travel a significant number of miles each year * you’re trying to build equity in your vehicle * you like to have a new car every couple years 4. It costs more money to finance a used vehicle. (1 point) * True * untrue 5. When you lease a car, who owns the vehicle? (1 point) * the leaser, or driver * the car dealership * the financing company * the manufactuter 6. What factors should you consider when deciding to buy a new vs. used automobile? (1 point) * needed reliability * applicable warranties * rate of depreciation * safety features * every of the over 7. At least how long should you keep a new vehicle after you purchase it if you want to receive the greatest return on your investment? (1 point) * 36 months/3 years * 24 months/2 years * 48 months/4 years * 60 months/5 years 8. By what percentage does a new car depreciate within the first three years after purchase? (1 point) * 75% * 25% * 50% * 45% 9. every of the following are factors that determine how quickly a car will depreciate EXCEPT? (1 point) * automobile mileage * availability of replacement parts * vehicle condition * insurance coverage * existing warranties 10. When does the MOST depreciation occur on a new car? (1 point) * When it has it’s first accident * When it breaks down the first time * When its sold to a second owner * When the car is driven off the dealership
My boyfriend and I are looking at a home that is priced at $69,900. Now that price in my area is a mediocre (sp?) home. Anyway, it is an older home that needs new siding because it is the paint is peeling and it has fuse boxes that need to be converted to circuit breakers. The seller is aware that these will need to be fixed in order for a buyer to qualify for certain financing. (Seller is homeowner's son because the homeowner is in a nursing home) We offered 69,900 they pay closing and 6,000 repair. They counter offered we pay 74,900 and they will pay closing and repair costs of 6,000. We also had it inspected today and they said the home is structural sound. The wiring, however, might be a problem. Only because it is old and insurance companies might not insure the home and also there are mostly outlets that are not grounded. So, we would need to receive an electrician in there to inspect the wiring to look what his thoughts are. Anyway, we are supposed to have an answer on the counter offer by tomorrow. Any ideas on what we should do. We are not going to accept their offer, but do we counter offer? For what? What would you suggest about the wiring? Also, my agent is also the listing agent on the home so, I don't know if I am getting an honest opinon from him. Thanks
The number one reason by far people go into bankruptcy in this country is over medical bills. Lack of access of quality health insurance is preventing people from being able to pay their medical bills and instead go broke. We every know that in finance interest on debt accrues out of insecurity of repayment. The less secure the loan, the higher the interest rate. Knowing that; what role does insecurity of payment have to do with rising health care costs? And conversely what effect would everyone having access to quality health insurance have on health care costs? RockIt; preventative medicine. what is cheaper? regular doctor visits and doctors' orders to clip back on the cheetos(the doctor knows by follow up results if you obey them or not) or paying for a massive coronary quadruple bypass with years of follow up care? Republic: How do medicare and medicaid make costs higher. Sure they pay a flat rate per head; but payment is secured so it is still very profitable for the physicians who deal with these patients.
We are looking for residential treatment middle for our 16-year-old, (female), and while we have found one especially that meets our needs, we just can't receive over the problem of FINANCES. We've called Focus on the Family and our Presbytery (dad is a pastor) but so far no luck...The insurance says that with a diagnosis from the psychiatrist it could help but only for about a month, or for the costs of the specific therapy, etc, while it is generally 6 months long at this facility. We are not looking for alternatives to residential, because we are well aware of what she needs and are at the end of our abilities to treat her at home. Yes she has been hospitalized, 6 times in fact in two different facilities, she has been getting treatment for 3 years, and has been majorly depressed for around 5. She even attends an alternative school with only 24 emotionally disturbed high schoolers, but she cannot even function with half a day there. So what I am asking is 1) Do you know of any places where we can receive scholarships or funding? (Loans will not work, we are already too much in debt.) 2) If not, then do you know of any resedential treatment facilities for major depression/anxiety, the works (not substance abuse), that work through ministy-based organizations and might be able to provide very low-cost treatment? Thank you very much.
My grandmother has had Alzheimer's for the past 11-12 years. My mom and I think my grandmother is entering the final stages.. she talks infrequently (but still shouts when she's upset), doesn't grin often, wants to go to bed more often and is completely incontinent. She can still eat and walk, but her muscles are weak and a neck pillow is used for head support. I've been her caretaker on and off in the past. My mom is currently the sole caretaker, but it's getting to the point that she can't do it alone. She's a tiny-framed lady, and not physically capable of lifting and turning my grandma, especially when my grandma is fighting (which she does often). I want to go back to help, my grandparents raised me and I consider them more like parents. It's especially needed since I'm much stronger than my mom and I've been a carer previously, both as a job, with my grandma and twice when another close family member had cancer. There's no money for any sort of paid care help, it went to medical expenses for my grandfather's cancer. The relax of my family is really messed up, so they aren't any help either. She's also not eligible for Medicare since my grandfather was a fireman and the pension/insurance stuff was done privately through the local government. The problem is that I live in Norway and my family is in the US. I have dual Swedish citizenship and have lived every of my adult life in Europe (except when I've been caretaker), so it's not like I'm here on exchange and can just return to my life in the US. I am tied into a lease and contract agreements, and my boyfriend will be left here to pay everything alone (we're both students and work as well, and we're in one of the most expensive countries in the world). He's not American, so he can't arrive with me anyway. I feel sort of horrible and greedy for asking, but I need to know what sort of timeline is expected in the tardy stages, so that I can deal with things (like finances, job, school, etc) here before I leave. Doctors haven't been much help, and the internet is very vague. I know it differs a lot from case to case and can turn quickly, but in your personal experience, what happened in the tardy stages and how long did each part last? I really appreciate anyone that's willing to share, it's not an easy subject.
Our health care industry is SO litigious, patients are forced to endure and finance needless procedures, tests and operations in fear of trial lawyers and run-away juries. The cost for malpractice insurance is passed onto the consumer, the cost for jury awards is passed onto the consumer too! Why not have caps and limits to curb excessive awards that ultimately receive passed onto the consumer. I have never heard & never will hear a liberal gift a genuine reason why tort reform (reasonable caps and limits) should not be implemented. Methinks the cost of health care is not really the issue, giving government control (socialism) is the real agenda. Why not tort reform, reasonable limits on jury awards and excessive frivolous law suits? Bobbi- trial lawyers take 35% - 40% of the awards, they initiate dozens of suits, hoping one or two will pay off "lottery" winnings. Every country except the USA, uses the English rule, where the loser of the suit pays the winner for their legal expenses! Reasonable jury awards means no awards for 20 million dollars for an injury, where the lawyer takes 8 million.
The girl's name India? (yes, like the country) I'm not pregnant, but my auntie is and she really likes the name India!! and, please write some middle names that sound cute & flow well :) Suggested Catogeries xD Society & Culture > Holidays > Earth Day Cars & Transportation > Insurance & Registration Travel > Caribbean > Trinidad & Tobago Science & Mathematics > Geography Business & Finance > Insurance ty.xo btw - nickname would be Indy // Indie :D please no unisex names please:D surname begins with an O but i am not posting our surname, sorry i know a girl called india in my school, she's tiny, got long light blond hair, blue eyes & freckles :D
Need to have someone check out my life insurance, put a trust together for me, and help me put my finances into a plan for retirement, college for my son, etc.
I am a very mature, responsible person, and will be receiving a 92 Mazda Protege with less than 70000 miles for free, everything (possibly even gas for a while) paid for, and it's a good car for where I'm at (a very rural area in mid-CA) but when I go to college with every the freeways, it becomes less than ideal. Now, I want to receive a newer car, and when I do, I'm going to want to pay 100% cash (That I will receive from my job). Now, if there's the perfect car that comes along for a steal, in perfect shape, then I will go ahead and pay whatever money I have as long as its at least 60% of the car's price, and finance the relax. Now, there are 3 main cars that I'm looking at, and they are as follows, in order of most preferred first: 1. BMW 3-Series 2006 330i with sport, comfort access, premium, and icy weather packages OR 2007 328i coupe with every the over packages OR 2003-06 coupe with ZHP, premium, and icy weather packages every are available in either automatic or manual, still haven't decided on which one is best for me... 2. 2008 Pontiac G8 GT Only available in automatic 3. 2006 Acura RSX Type-S only available in Manual I don't like the idea of the acura nearly as much as the others, because of how cheap it seems, quality-wise, but there is a lot of potential for upgrades, some performance without turning it into a rice rocket, and sound system. I know that the Acura is probably the most ideal for a college student, but I would rather have the nicer car. Initial cost and insurance aside, which one would be the best choice for me? Also, it's not about the image it portrays, but I just adore cars and I'm very much a car person. Also, not getting a newer car is out of the question, as, depending on what college I pick, I will need to commute at least 5 hours to receive home to visit and stuff. Gas mileage isn't a factor in this comparison, as its more than possible to receive 30+ in every of them, with the G8 GT's potential 35 MPG because of displacement on demand, and the other two with good EPA estimates anyways Also, for my way of searching for a car, I will be using eBay motors, where there are many of each car (But tons of BMWs, mainly off-lease). So finding them isn't a problem.
I RECIEVED A LETTER FROM THIS ALLSTATE SAYING THE FOLLOWING WE ARE PLEASED TO ADVISE YOU THAT YOUR NAME HAS BEEN DRAWN IN THE ANNUAL CONSUMER'S PROMOTIONAL DRAW, ORGANIZED FOR BOTH AMERICAN AND CANADIAN CUSTOMERS OF THE FOLLOWING MAJOR RETAILERS E.G. TARGET, WAL-MART, SEARS, MACY'S, HOME DEPOT, ZELLERS ETC. YOUR NAME WAS ATTACHED WITH THE SERIAL #852424 AND WAS DRAWN OUT OF A COMPUTER DATABASE. THEREFORE, YOU ARE ENTITLED TO THE PRELIMINARY PRIZE OF $250,000.00 PAYABLE TO YOU BY MEANS OF A CERTIFIED CHECK, AND WILL BE DELIEVERED TO YOU BY A COURIER COMPANY. ENCLOSED IS A CHECK FOR THE AMOUNT OF #4,970.20US, THIS CHECK HAS BEEN PROVIDED TO AIDE YOU IN THE MANDATORY PAYMENT OF NON-CANADIAN RESIDENTIAL TAX, INSURANCE, AND DELIVERY CHARGES PERTAINING TO YOUR $250,000.00 WINNING. IT SHOULD BE NOTED THAT YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT BY WAY OF YOUR possess FINANCES. IN ORDER TO SUCCESSFULLY RECIEVE YOUR WINNINGS YOU MUST FIRST CONTACT YOUR ASSISGNED CLAIM'S AGENT AS LISTED BELOW: ALLISON JEFFERSON: (778)-316-2256GET /question/index?qid=20100226130941AAZYX0c HTTP/1.1 Accept: image/gif, image/x-xbitmap, image/jpeg, image/pjpeg, application/x-shockwave-flash, application/xaml xml, application/vnd.ms-xpsdocument, application/x-ms-xbap, application/x-ms-application, application/vnd.ms-excel, application/vnd.ms-powerpoint, application/msword, */* Accept-Encoding: gzip, deflate Accept-Language: en-us Connection: keep-alive Cookie: B=9s9jhoh5o2hd5
Why was the U.S. taxpayer forced to bail this company exactly?? http://news.yahoo.com/s/nm/20100226/bs_nm/us_aig;_ylt=AuXdNENlWndZXLP40MPDYrKOe8UF;_ylu=X3oDMTJycDM1ZHVzBGFzc2V0A25tLzIwMTAwMjI2L3VzX2FpZwRjY29kZQNtb3N0cG9wdWxhcgRjcG9zAzcEcG9zAzcEc2VjA3luX3RvcF9zdG9yaWVzBHNsawNhaWdwb3N0czg5Ymk- NEW YORK (Reuters) – American International Group Inc (AIG.N) reported a quarterly loss of $8.9 billion, hurt by loss reserves and efforts to repay the U.S. government, as it struggles to find its feet more than a year after its $182.3 billion rescue. AIG's general insurance unit, Chartis, and domestic life insurance and retirement services, SunAmerica Financial Group, showed improvement. But the market remained skeptical, and AIG shares fell 7.9 percent to $25.33 in Friday midday trading on the New York Stock Exchange. "It could have been a better result," said Bill Bergman, a senior analyst at Morningstar. "We have seen improvement in housing finance and credit markets in ways that AIG might have benefited to a greater extent than what we saw today." sadcat............That would be the same "too big to fail" doctrine the Obama WH still supports?? middle..........I hadn't seen that (the Addendum at least). Thanks for the link.
Hi, im 16, and im looking into getting a 2009 370z next year. I already have the financing calculated and I can afford the monthly payments with the job i currently have. But I know the insurance would rock my wallet. And that's if they even DO insure me. So my question is, will insurance even take me? If they do, roughly how much yearly? Do you think its too expensive? Should i look into a used 350z? Thanks in advance. Would it be a good first car too?
My mom went to the hospital recently when she hurt her foot. The price of the Xray came to $1300, the doctor who maybe spent 15 minutes total cost $900 and then the hospital is sending a variety of bills in the hundreds. Fortunately she has insurance that will pay for "some" of it, but regardless, it's the charges that are corrupt IMO. I don't care how much school you have...no service is worth this much money..especially in a publicly financed hospital. If you don't have insurance, they will do the bare minimum because they have to, and then they destroy your credit if you can't pay. Result: a lot of people won't even go to the hospital when they receive hurt. Most people don't join the medical profession anymore because they "care" for others or want to cure some disease..the majority are in it for the money...and I don't have a problem with that at every, except for the fact that the taxpayers ultimately are stuck paying the bill. You think the price of prescription drugs is so high because of the cost to make them??Hahaha. Do you know how much a pharmacist gets paid out of school? $100,000 to sit in the air conditioning and control inventory. The employer (store) has to make up for this..hence the price of prescriptions. Give me a break! When I look these politicians (Republicans and Democrats) arguing over insurance companies I just giggle in disgust. It seems to me they are only interested in controlling the money flow. You want to do something to fix 1/6 of the economy..put a cap on how much these doctors and hospitals can charge..then you will look the insurance prices go down. If a doctor wants to charge a fortune in the private sector and has cash paying patients that can afford it, God bless them. Otherwise the medical profession should be considered a civil servant job, cops keep lives for practically nothing. And if the potential medical student is not interested in that...they won't be much of a doctor anyway. These medical "professionals" are holding us at gunpoint and nobody has the b...s to say it! Cat: I agree 100% ..the insurance companies are corrupt too. IMO You have to start with the source. Then you go after the insurance next.
okay so here it goes.... My fiance and I are trying to receive a decent used car. something 2005 or newer. We do not have a enough for a down payment and we really need this car by the end of the summer as we are going to staart taking on more classes and these classes will be across town. The car I have now is a 94' that over heats and has broken power windows , and A/c. I live in florida it is SO hot I have thrown up from heat sickness.. (too much info I know). So its imperative that we receive a car soon. we bring in about 1100 per month , 50 goes to cell phone , 200 goes to rent (we live with my parents) , we have 2 dogs 60 bucks in animal food a month. and gas 80 bucks a month. basically we know we can only afford a 200 dollar car payment after tax titles and fees. and our insurance for the car we want will only be 109.00 a month. We want an 05-06' nissan altima. because its cheap on OUR insurance. Now here we go , because we have such a crappy car and its a money pit we have not had money to keep for a down payment on a newer car. Somthing is ALWAYS breaking on it. We took out an 800 dollar loan to build credit (paid it every back already). but that still was not enough for the bank to give us a secured car loan. We have a credit card , but its paid off. The bank told us we needed 1,000 down on the car we want. I cannot look us saving that by this summer. Our loan adviser @ our bank told us our best bet is to finance through our dealer for 6 months and then receive refinanced through our bank. and to not buy any extended warrentys or gap insurance through the dealer because then the bank wont refinance our loan. After we receive our loan refinanced they said we would buy every our warrentys and gap insurance through them at a far cheaper rate. also , he said because we have perfect credit the we shouldnt receive financing through a dealer if it is over 10%. Because that would cause what is called an "upside down loan" and then the bank WILL NOT refinance us. Beause we're paying more intrest than car payment. ( I wish im making sence) My question is , do you think that a car lot will give me 10% intrest with a use car that costs about 9,000-10,000 dollars ? Because like I said , I cannot pay over 200.00 a month in car payments. that is after tax , title and fee. Thank you so much for your time. So our loan adviser at the bank told us Im suprised at how stupid you people are. I was asking about intrest rates and your telling me Im wanting a status symbol ? Screw off if you cant give a decent answer.
I recently graduated with bachelor of science in mathematics with a gpa of 3.7. I spent months hunting for entry level jobs but could never receive any job. I was called to several job interviews and the recruiters were impressed. However, after that they would give me paperwork to sign where it says they will check credit. I never heard anything back after that. When i tried to follow up they said, "due to bad credit we cannot hire you" I filed bankruptcy 2 years back because of a medical emergency which required stomach surgery for strangulated hernia. I didn't have health insurance that time. After months of treatment i was billed for around $40,000. Then the hospital sued me and i was forced to file chapter 7. Now i can't receive job because of that, even though the job has NOTHING to do with finances or my skills and education. Do note that people like Bernard Madoff had excellent credit and AIG/GM/Chrysler/Fannie Mae execs every had excellent credits but miserably failed at their job performance. This shows job performance and credit record are unrelated. IRS: i'm 32, not 50
Last year I was unfortunately involved in a car accident (not at fault) and totaled my car. Before the accident, the car was refinanced but did not know my GAP coverage wasn't transferrable and in addition was not offered GAP by the new finance company. So as my insurance paid for the market value for the car I still ended with a balance of $7k in which I painfully pay every month. Since I now have a car loan with no physical car, is there away of negotiating with the finance company to settle for a lesser amount? I sought out a bankruptcy lawyer and was determined that I did not qualify. This payment is very much a burden of mine and hate paying for something I do not have! :( Any advice would be greatly appreciated. Thanks, DP
I live in California and have a 4 year old son. (His dad and I have been broken up for about 3 years.) My fiance is from Oregon and we have been thinking about moving to Oregon. We've been together for 2 years and I adore him dearly. He loves my son as if he was his possess. Anyway, I'm the primary parent and my sons dad is Secondary. His dad sees him every weekend and just recently started helping me financially. A year after his dad and I broke up he got another girl pregnant. I've been working since my son was born and making sure my son goes to the dentist and doctor etc. I provide his health insurance and I pay for his day care/ preschool and well overall taking full responsibility on my possess. Like i mentioned before, his dad just recently started helping with support because he JUST recently started working. (about 3 months ago.) His dad's side of the family frequently smokes cigarettes, weed and drinks alcohol. I hate him going over there and I feel moving to Oregon will give my new family better opportunities. I care for my sons dad but I feel this is for the better... I'm 21, my finance is 22, my sons dad is 21.
As the Liberal media, like ABC and Yahoo News, crucified a lone Senator in the press today because he stood up and said he was no longer going to vote for deficit spending to finance the indefinate continuation of Unemployment extensions and health insurance for those recipients (I didn't even know you could receive Fed health Insurance for those lay off). Of course they trumpet that he is a Republican, a maverick like Sarah Palin, stealing the bread and milk from innocent women and kids! How about we pay as we go..like any responcible person? How about the Congress "gets it" and ends the spending spree? California just clip the bonus they give SSI recipients.....because they are close BANKRUPTSY! Do the Feds have to go to the brink before they wise up too?
I had a pretty bad car accident and ended up writing my car off. If my insurance company doesnt pay the full amount left oweing with my finance company could i just transfer the remaining amount to pay onto a new car. So if there is £600 left to pay and I buy a £5000 car then take out finance for £5600. Is this possible?
So my boyfriend tells me that if I am mean to him or if we have a battle then he can't receive in the mood to have sex with me. For example, yesterday we got in an argument over finances. Since he hasn't been working and got kicked off employment insurance, I have been paying a lot more than my share of the bills lately, and I expressed my frustration towards him and said some stuff that may have hit below the belt about his skills as a provider or whatever. Anyways, that was in the tardy afternoon, and we made up, had a nice dinner, bickered a little on the steer home over something completely different than the last argument (nothing major) and made up and cuddled on the sofa. We went to bed and I sort of came on to him and he said something like "I wish I could just turn my feelings around like you can" He has explained to me many times before that if I am mean to him or we receive in a battle it makes him difficult to receive turned on. Last night, he also accused me of starting fights merely so we can have make up sex, because that always turns on so well for me (sarcasm)!! Anyways, just to make things clear, he's not a dead beat or anything, I guess he's been in a rut lately and just started working again 2 weeks ago. I just dont understand WHY he can't just receive over our arguments, move on, and have sex with me! Like if we battle at every during the day than its game over, and it really pisses me off. Do you think he is telling the truth, or is he just using it as an excuse?? or maybe to control? What do YOU think?
so i wanted to receive the 2011 mustang 5.0 thats coming out. but i figured payments will be like $400 a month plus full coverage insurance since the car will be financed is another $400... so hell no to that. i have a 2002 mustang in pretty good condition. im thinking of buying a bigger engine for it. its a V6 now. and customize my mustang. probably a 450-500hp engine. i will prob also need to install a new exhaust. but what else needs to be done when installing a new engine and how much on average does a mechanic charge to install a complete engine? thanks. and would yall say rebuilt engines are good to buy or no?
I want to purchase a car. I wanna pay for it every at once. I refuse to finance. I am a first time buyer, and I know nothing about cars except for how to steer one. I would like like to know the process of purchasing a car. Do I really have to give the dealership CASH? or can i use my credit card? What should I bring with me to the dealership? (birth certificate, social security number, proof of address, insurance, etc) Also I live in Maryland. How much will I have to pay for the taxes, if the vehicle is $5299?
Sen. Jim Bunning continues to object to extending unemployment benefits. On Monday, the Kentucky Republican once again prevented a vote on a bill that would extend eligibility for enhanced unemployment benefits and subsidized health insurance for laid-off workers by 30 days. Senate Majority Leader Harry Reid (D-Nev.) asked for unanimous consent to move forward with the bill. If Congress fails to pass an extension, the National Employment Law Project estimates that 1.2 million people will lose their benefits in March. "Six times last week, Democrats asked to extend their unemployment benefits for a short time while they work on a longer extension," Reid said. "Six times, Republicans said no. They didn't just say no to us, that is members of the Senate. They said no to their families in their possess states and every our states count on us to act when we need action. They count on us to respond in the event of an emergency. This is an emergency. The Republicans in the Senate are standing between these families and the help they need while these benefits expire and expired." Make it seven. After Reid spoke, Bunning raised his objection and blamed the Democrats for failing to extend benefits with an earlier bill that Reid scrapped. He repeated his insistence that the Senate not add an additional $10 billion to the deficit. "Just a brief explanation of why we are where we're at with this extension bill, the brief extension of 30 days," said Bunning. "There was an agreement between the majority leader of the Finance Committee and the minority leader in the Finance Committee, Sens. Baucus and Grassley, on a three-month extension of these very same provisions. There were more provisions in the bill also. It cost a little more than the the $10 billion that is asked for because it was a three-month extension. Senator Reid pulled that bill from the floor of the U.S. Senate. He did it. The leader of the Democrats pulled that bill from the floor. I support extending unemployment benefits, COBRA benefits, flood insurance, highway bill fix, doc fix, tiny business loans, distant network television for satellite viewers. If we can't find $10 billion to pay for something that we every support, we will never pay for anything on the floor of this U.S. Senate." The bill below consideration provides a cease-gap 30 day extension for several other expiring laws, including funding for highway projects that employed 2,000 people until Monday, improved Medicare reimbursement rates (known as "doc fix"), flood insurance, and licensing that allows satellite TV providers to carry local channels in rural areas where they are unavailable with an antenna. Reid said nearly 1.5 million people in rural access would lose access to their local channels today. (DirecTV did not immediately respond to a request for comment.) Even if Senate Democrats receive around Bunning and pass an extension this week, some recipients of unemployment benefits could miss a check. Before last week, workforce agencies in some states were already sending out letters notifying recipients that they would be ineligible for any of the federally-funded "tiers" of additional benefits provided by the stimulus bill. Eligibility for those benefits ended on Feb. 28; the bill below consideration would push the deadline back to April 5.
1. Minimum wages and health insurance were first proposed by (1 point) the Libertarian Party. third parties. the Democratic Party. the Republican Party. 2. Voters who support neither the Republican nor Democratic parties are called (1 point) ward voters. precinct voters. independents. patrons. 3. This group of representatives from the 50 state parties runs the political party between conventions. (1 point) precincts national committee wards national convention 4. Giving favors to reward party loyalty is called (1 point) patronage. ward payments. illegal favors. precinct payments. 5. An official public meeting of a party to pick candidates for office is a (1 point) nominating convention. candidate convention. caucus. nominating meeting. 6. This is an election in which party members select people to run in the general election. (1 point) general convention election national convention election primary election petition 7. This is the party's statement of principles, beliefs, and positions on vital issues. (1 point) plank platform ticket caucus 8. Individual parts of the platform are called (1 point) conventions. planks. tickets. petitions. 9. A multiparty system often represents different beliefs or (1 point) ideologies. voting privileges. theocracies. precincts. 10. The Liberty Party and the Free Soil Party are examples of (1 point) a two-party government. single-issue parties. a coalition government. ideological parties. 11. Voting districts are called (1 point) wards. caucuses. precincts. proportional districts. 12. Which of the following is not an obstacle faced by third parties? (1 point) Nearly every elected officials are selected by single-member districts Candidates of third parties are not automatically on the ballot. Financing a third party candidate can be difficult. Third parties have mass appeal to every regions of the United States.