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Ravenous Wolf

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Ravenous Wolf last won the day on May 27 2008

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    Technical Writer

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    San Antonio TX

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  1. My name is Vanessa Martinez. I am not going to continue to check this BS. So you can email me personally at vamartinez31@gmail.com.  I have a simple question. One I'm sure even you can answer.. How the hell are you allowed to write such ludicrousness?! My brother was out with a group of friends, all male might I add celebrating his 21st birthday. He was freshly home from being honorably discharged from the army. He was a faithful husband and a dedicated father! Freddie Alaniz had shown up to the club after being banned previously for aggressive behavior. At 12:30 a.m after threatening an employee, he entered the club started an argument with a friend of my brothers! When my brother came back to his group (his hands were full at the time with drinks for everyone) he mentioned how "everyone was there to have a good time". Freddie then stabbed MY brother in his abdomen, hitting his main aorta at 1 a.m. Freddie was arrested for assault and bonded out without hesitation since he was already wanted for sexual assault of a child. After my brother passed Freddie was arrested again for murder. He got his bond reduced due to a sob story told by his sister. He posted bail again! He went on the run this entire time!!!!!! Just last month after 12 years he was caught in Cancun, Mexico. We've waited to get some type of justice and I really cannot believe I stumbled across the garbage you've written and had the audacity to comment repeatedly to other incompetent, ill advised, zero fact having neanderthals. Like I've said before you can email me personally IF you care to comment further.



  2. Okay, I got myself a mountain bike for Christmas. But back in the Dark Ages when I was a kid, all you needed was just for your feet to turn the pedals. However, I imagine that a lot of stuff is needed just to ride a bike, like helmet, etc. So what is the cheapest way to go to get all the accessories (and what are). I also realized that I do not have enough space in the back of my SUV to put the bike back there so what is the best thing to buy to attach to the end of my vehicle.
  3. Thanks for all the feedback. Now I simply divide by 2080 to get an hourly rate (or multiply the hourly rate with 2080). I figure that "2087.14" is the correct number but 2080 is probably the best answer since I imagine that that is what a lot of employers use.
  4. What is the correct or the best accepted way that most employers calculate hourly pay? I want to derive the “hourly rate” from an annual base salary although there will be some assumptions. So is the following equation the way that most employers compute it: Base annual salary divided by 52 (which is fifty two weeks in a year). Take the sum of that value and then divide it by 5 (which is for five days in a work week). Finally, take the sum of that value and then divide it again but by 8 (which is eight hours in a day). For example: Annual base salary: $70,000.00 $70,000.00 divided by 52 (weeks) equals 1346.1538461538461538461538461538 1346.1538461538461538461538461538 divided by 5 (which is for five days in a work week) equals 269.23076923076923076923076923077 269.23076923076923076923076923077 divided by 8 (which is for eight hours in a work day) equals 33.653846153846153846153846153846 Then that amount is rounded off for this hourly wage hour is: $33.65 Of course there are assumptions that I am not taking into account like working more hours in a day, if you did not work a particular day (like Christmas) then you did not get paid for it, etc but I am only concerned about the generally accepted practice for calculating that amount from a given annual amount. And part of my confusion is because 7 (days in the week) times 52 (weeks in a year) equals 364 (for the number of days in a year). Also, another question is which place in this equation is the accepted practice to "round off" for the calculation. In the above equation I only rounded off at the very end to get an hourly wage; but where does the rounding off happen and does it really matter? I also need to know about whether or not the inverse of that equation is still true. That is, take an hourly wage, multiply it by 8 (eight hours in a day), then multiply that sum by 5 (five days in a work week), and finally multiply that value by 52 (fifty two weeks in a year). For example: An hourly wage of $32.00. 32 X 8 = 256 (a day's pay in an eight hour day) 256 X 5 = 1280 (one week's pay of a five day work week) 1280 X 52 = 66,550 (which is the annual amount if someone worked each day of a five day work week times 52 weeks) Hence, the amount of pay for an entire year is $66,550 based on working $32.00 an hour for five days in a work week and then multiplying that sum by 52 weeks. I am also ignoring the assumptions but is the above equation the generally accepted practice that most employers use. Any feedback or comments would be greatly appreciated.
  5. I am also from the state of Texas and my second lien is held by Dyck O'Neal. The amount is so small but I am paying off other bills first before I get to it.
  6. That is really good news!!! One key advice that struck me years ago: If you don't ask, you don't get... So even though you still had to pay something, it is sure much better than having to pay everything. And that is the result of asking (sometimes firmly asking).
  7. Also, something I always wondered about (because of so many horror stories I heard from the people I have known who described what happened to their relatives) is that it entirely depends on you die. For example, nearly all policies do not cover what they consider dying doing a dangerous activity. One co-worker from years ago explained that her brother drowned at a nearby lake that was always popular with boaters, families, etc during the summer. Well, swimming is considered a dangerous activity since you can drown in water; so the life insurance policy of her brother didn't cover that. A project leader of mine who enjoyed flying a Cessna explained that getting life insurance to cover him for flying was outrageously expensive; since that can be a dangerous activity. So getting cheap life insurance with plenty of loopholes is still not worthwhile. But I don't know what would be considered good coverage?
  8. My co-workers told me a litany of tales about that so it was a rude awakening for me. For example, making a mortgage payment means having a big wad of cash in the bank which sits there since many electronic transfers takes a while to process. So some of my co-workers "thought" they still had plenty of money available and bought a big ticket item. BAM... they got hit with reality. Banks always had a FIFO system because it required powerful software to turn it into LIFO. My work experience of years ago was with mainframes so this kind of computing power doesn't come cheap. However, times and technology has changed. The cell phone that an elementary school kid toys with is much more sophisticated and powerful than what people could only dream of twenty years ago.
  9. A big part of it that I remember from the business law classes (before the era of everything going electronic) I took in college is that a "check" is a very different animal; a negotiable instrument. So that in of itself, for decardes, has a legal standing that is far different than overcharing a credit card. Not only do you owe something, it also has serious legal ramifications and potential that will land you in the can with somebody who wants to start calling you Susan. There still is no debtors prison but a negotiable instrument is treated far differently. In essence, even if you didn't do it (and that includes an inactive account), you are still on the hook. Over time laws have gotten better and they have gotten worse, depending which state you are in. That being said charges and fees are not negotiable instruments. But having an inactive still has all the potential of something happening that you will be liable for. But probably less so today with electronic banking although financial institutions are still eager to charge fees.
  10. Here is an interesting article about that written in 2004: How the Other Half Banks The depressing, amazing "payday loan" business. Posted Monday, May 10, 2004 http://www.slate.com/id/2100276/ What strikes me is how long ago it was written but it is still so relevant and timely.
  11. Granted, I have been out of banking world for a long time and the new toxic atmosphere has totally changed in how many, if not most of the banks operate. But I got my first two bounced checks YEARS... I called up the customer service rep and they looked in the history of my account and she agreed that I never bounced a check before so they reversed the two NSF charges (but they won't do it again). They also gave me a brief explanation of their process. I knew the money was there but I was running low on funds. Consequently, I transfered money from another checking accounting (which I am trying to build an emergency fund) to what is more or less my primary checking account (the account that was running low). Besides, there was still enough cash to cover most of the stuff that was pending. Now here is where I am unclear. Maybe it has always been this way but I just don't remember it being so. The banks I worked at operated in a FIFO system. That is, first in, first out, so as along as the cash was in there, regardless if it was when it was put deposited, then it would be used to cover the pending transactions that became due. But what the customer service rep described to me sound more like a LIFO system, last in, first out. So in other words, even if there was cash sitting in my account, a pending transaction claimed that particular cash until the transaction was finally processed. And since one of my bounced transactions was a "checkcard" transaction, it was "pending" for a very long time (some check card transactions do remain as pending for a long while). So in other words, if it is indeed a LIFO system (from check card transactions), then I definitely have to know what was in there and who it was for. I know it is no longer possible to float checks. I used to be the King of Floating, but those days are long past me with how everything is electronic. But I was just curious to how the banking operates in that respect, especially in what has chanced since I have been in the business.
  12. I thought that the only flipping that was going on was the one finger salute. But I hate to imagine the pain that a lot of people went through when the real estate market went down the tubes. A lot of house flippers got burned.
  13. House flipping makes a comeback Flippers swoop in at public auctions of foreclosed homes, buying from banks eager to move the troubled properties off their books. http://articles.moneycentral.msn.com/Investing/Extra/house-flipping-makes-a-comeback.aspx
  14. I have been so curious about this now that I am getting older. All of my insurance policies have been through work but I have never had one on my own. I need to get serious about now that I am an older parent with three small kids. So I am very interested as well.
  15. A long while ago I wanted to file for bankruptcy but my BK attorney said that I had to get caught up with my mortgage payments first because my house is something that could be taken away from me. And he advised me to stop making payments on everything else before I file for BK. Unfortunately, it took a couple of years to get caught up on my house payments because it took so long to finally get funded for a second mortgage. Long story short, I want the money I paid to my BK attorney back (because I won’t ever have to file for bankruptcy). The BK attorney has never done anything for me but he has consulted me a couple of times. And more or less that was it (so in other words, he helped me ruin my credit). And this BK attorney is also impossible to get a hold of. He has laid off his paralegal, his legal secretary, and finally laid off his part time morning receptionist. No one answers his office phone anymore but the couple of times I dropped by his office this year I just found the light on to his office. Also, the last couple of times I spoke to his part time receptionist before her last day of work she said that he does everything himself (especially since he laid everyone off) like filling out paperwork, etc; she wasn’t a legal secretary, only a receptionist. And because of a new job I have I cannot try to “surprise” him by popping into his office. So what is an effective way to get my money back (since years have elapsed and he has never done anything for me)? I don’t want to treat him like a debt collector because he has something I want (my money). And in a previous lifetime I was an office manager and an accountant for a law firm. Their attitude was not to pay any of their bills (unless it was something that could be taken away from them like their copier). They felt that since they were lawyers these vendors were never going to sue them. So that is why I want to handle this matter very gently and diplomatically (and this money could come in really handy right now). Any comments and feedback would be greatly appreciated.
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