Question:

I thank you very much , I thought it was existing, I go to read again the page about form10-K and try to create a list of accounts for assets and liabilities.(to do it with Excel) And about the form of the  income statement where could I find it? on the "sec" server too? I thank you again very much Patrick – Hide quoted text — Show quoted text – see www.sec.gov     the "form" is the annual report 10-K   It requires certain financial disclosures and audited financial statements and they are for all publically traded corporations both small and large. Hello, I am gone on the site and look for 10-k form http://www.sec.gov/about/forms/form10-k.pdf This seems to be an explanation page, but not the form himself? Or I have not understood something? Because I don’t see Assets,Liabilities and income Statement and their accounts I thank you again Patrick It is not that type of form!    The requirements do not specify exact descriptions of categories on the financial statements (such as cash or fixed assets),  that is left up to the outside auditors and company but they must follow guidelines set up by the accounting profession such as FASB – Financial Accounting Standards Board.    The accounting standards in the US are not (generally) government prescribed, only through agencies like the "SEC" and organizations like "FASB" (but for income taxes there is a form! )

Response:

hello, I have a work about US accountancy, and I would know what are the form sent to the fiscal administration about Balance sheet(asset liabilities) and income statement for the year, and where could I find this form or these if there is one for big corporation an other for small in a standard format. In France w call them "liasse fiscale" containing "bilan (actif passif) et compte de resultat" and other annexes an we send them to the fiscal administration evry year in a standard format I thank you in advance to help me about this topic, I’m gone on the www.irs.gov server and I have not understood, the forms I have seen seems to be for taxes. Thank you again Patrick Artaud PS: excuse my English

Response:

hello, I have a work about US accountancy, and I would know what are the form sent to the fiscal administration about Balance sheet(asset liabilities) and income statement for the year, and where could I find this form or these if there is one for big corporation an other for small in a standard format. In France w call them "liasse fiscale" containing "bilan (actif passif) et compte de resultat" and other annexes an we send them to the fiscal administration evry year in a standard format I thank you in advance to help me about this topic, I’m gone on the www.irs.gov server and I have not understood, the forms I have seen seems to be for taxes. Thank you again Patrick Artaud PS: excuse my English

see www.sec.gov     the "form" is the annual report 10-K   It requires certain financial disclosures and audited financial statements and they are for all publically traded corporations both small and large.

Response:

Thank you very much I go to look at this site, Thank you again Patrick – Hide quoted text — Show quoted text – hello, I have a work about US accountancy, and I would know what are the form sent to the fiscal administration about Balance sheet(asset liabilities) and income statement for the year, and where could I find this form or these if there is one for big corporation an other for small in a standard format. In France w call them "liasse fiscale" containing "bilan (actif passif) et compte de resultat" and other annexes an we send them to the fiscal administration evry year in a standard format I thank you in advance to help me about this topic, I’m gone on the www.irs.gov server and I have not understood, the forms I have seen seems to be for taxes. Thank you again Patrick Artaud PS: excuse my English see www.sec.gov     the "form" is the annual report 10-K   It requires certain financial disclosures and audited financial statements and they are for all publically traded corporations both small and large.

Response:

see www.sec.gov     the "form" is the annual report 10-K   It requires certain financial disclosures and audited financial statements and they are for all publically traded corporations both small and large.

Hello, I am gone on the site and look for 10-k form http://www.sec.gov/about/forms/form10-k.pdf This seems to be an explanation page, but not the form himself? Or I have not understood something? Because I don’t see Assets,Liabilities and income Statement and their accounts I thank you again Patrick

Response:

see www.sec.gov     the "form" is the annual report 10-K   It requires certain financial disclosures and audited financial statements and they are for all publically traded corporations both small and large. Hello, I am gone on the site and look for 10-k form http://www.sec.gov/about/forms/form10-k.pdf This seems to be an explanation page, but not the form himself? Or I have not understood something? Because I don’t see Assets,Liabilities and income Statement and their accounts I thank you again Patrick

It is not that type of form!    The requirements do not specify exact descriptions of categories on the financial statements (such as cash or fixed assets),  that is left up to the outside auditors and company but they must follow guidelines set up by the accounting profession such as FASB – Financial Accounting Standards Board.    The accounting standards in the US are not (generally) government prescribed, only through agencies like the "SEC" and organizations like "FASB" (but for income taxes there is a form! )

Response:

Question:

Nearing three weeks into the diet, and about 10 pounds lighter, I’ve noticing my energy increase now almost daily.  I thank that mostly to my 30 minutes per day on the eliptical machine. Anway, today I decided that I wanted to play baseball, as I did when I was younger.   Kids from all around would gather and we would play for hours, not really keeping score, just playing.  Daily I see adults playing soccer in the field near my home, but never have I seen baseball.  I walked to the empty park with bat, gloves, and balls in hand, then started pitching one of the balls at a portion of the fence. Within about 10 minutes, I had a small audience, and some minutes later one of the spectators decided to ask if he could try hitting the balls as I threw them.  Gatefully, I accepted, I also told the two others who were watching that they could play as well. The four of us took turns hitting and pitching for a while, then others started appearing, carrying gloves that looked just as unused as mine.  By the end of the afternoon, there were 12 of us playing baseball.  12 adults, playing as if we were children again.  We even have plans to meet again next weekend. I never thought that a diet would bring so much enjoyment in to my life, I know it’s only been a short time, but I can see definate changes. Dan – 305/295/220

Response:

You are now feeling better mostly because you are eating better and less, as well as exercising. Not as much due to your weight loss.

I agree, but I attribute everything to the diet (excercise, eating better, etc.)  I thought that "dieting" was going to be a difficult task, not something that I would have fun with.  I’m with you, I can’t wait to see more. Care to share what is your diet?

It’s a simple diet, keep the calories under 2000, and exercise every day. The eliptical machine gets a 30 minute aerobic visit every day.  Do some stretching, pushups, crunches, lift the dumbells for a bit.  I’ve also actively looked to get outside and do something, rolerblading, basketball, baseball, putt-putt – anything… For food, I’ve been avoiding McDonalds (my decided downfall), and finding "leaner" alternatives to my usual diet.  Four days a week I was eating; 2 sausage-egg-cheese biscuits, a hashbrown, and a medium coke for breakfast (1500 calories).  That’s nearly 2 pounds a week in calories saved alone.  I also switched coke for diet coke, I save another pound of calories there (5 cans a day).  I’ve been reducing the amount of coke products in general as well.  Also, drinking coffee, black, instead of 2 cream, 2 sugar. I was flirting with 300 lbs for almost two years, that horrible diet was keeping my weight basically even.  Last week, I ate 14,766 calories (slipped a bit Saturday night with wine), and I burned an estimated 23,808 calories. The 9500 saved from the "No McD’s no Coke" diet, remarkably is the difference. Dan – 305/295/220

Response:

I never thought that a diet would bring so much enjoyment in to my life, I know it’s only been a short time, but I can see definate changes. Dan – 305/295/220

And once again a "journey of a thousand miles begins with the first step". Good for you…I wish you many just such happy days in your new way of life. — Patricia Florida-USA

Response:

It sounds like a great way to spend an afternoon and I would have loved to join in if I could physically have done so.

I’m sure that we would have loved to have you.  You know, watching, or better yet officiating burns calories too.  Besides, it’s about being outside and having fun.  Every little bit helps, right? Dan – 305/295/220

Response:

Um, I did not say that wine was bad. I do not like wine (I am a vodka person), but if you do, all the power to you. Actually my weight loss allowed me to resume drinking. When I was fat any alcohol made me feel terrible. Now I can actually enjoy it and get drunk without as much side effects, hangover etc. I still do not drink much, but I know that I can if I want.

Vodka is better than wine  I’ve spent a good amount of time in Russia, and had some remarkable Vodka’s.  My favorite is Russian Standard Platinum. Palm Bay Imports has the import rights, but they are not importing…  Now that I have been spoiled, it’s hard to drink the lesser stuff. Breakfast 2 cups cooked oatmeal, with sugar free "maple" syrup, 1 cup orange juice. 441 calories what do you mean by sugar free maple syrup? Is it basically high fructose corn syrup? Or what?

Cary’s Sugar Free Syrup, 30 calories for 1/4 cup.  Water, maple flavor, aspartame. Is there a good site for different recipes out there?  Before early this year I had never cooked for myself.  I’m afraid my knowledge of preparing food is pretty limited. no idea…

Maybe someone will know. Great progress so far.

 Thanks Dan – 305/295/220

Response:

– Hide quoted text — Show quoted text – Anway, today I decided that I wanted to play baseball, as I did when I was younger.   Kids from all around would gather and we would play for hours, not really keeping score, just playing.  Daily I see adults playing soccer in the field near my home, but never have I seen baseball.  I walked to the empty park with bat, gloves, and balls in hand, then started pitching one of the balls at a portion of the fence. Within about 10 minutes, I had a small audience, and some minutes later one of the spectators decided to ask if he could try hitting the balls as I threw them.  Gatefully, I accepted, I also told the two others who were watching that they could play as well. The four of us took turns hitting and pitching for a while, then others started appearing, carrying gloves that looked just as unused as mine.  By the end of the afternoon, there were 12 of us playing baseball.  12 adults, playing as if we were children again.  We even have plans to meet again next weekend. I never thought that a diet would bring so much enjoyment in to my life, I know it’s only been a short time, but I can see definate changes. Dan – 305/295/220

It sounds like a great way to spend an afternoon and I would have loved to join in if I could physically have done so.

Response:

Nearing three weeks into the diet, and about 10 pounds lighter, I’ve noticing my energy increase now almost daily.  I thank that mostly to my 30 minutes per day on the eliptical machine.

    I just wanted to tell you how much I enjoyed this post!  To me, this is why fitness is important – to be able to enjoy life and do those activities that we did when we were kids, or be able to learn new ones without too much pain.  I think playing is incredibly important!  Thanks, — LizB 198/194/140

Response:

It sounds like a great way to spend an afternoon and I would have loved to join in if I could physically have done so. I’m sure that we would have loved to have you.  You know, watching, or better yet officiating burns calories too.  Besides, it’s about being outside and having fun.  Every little bit helps, right? Dan – 305/295/220

Yes it does and I could have brought my digital camera and took pics.

Response:

Otherwise I think you have a very sensible diet. I also ate more or less what I wanted (except NO sugar and jo junk food at all) as long as it ket me under 2,000 calories.

Impressive, alot of will power there!  NO sugar and junk food, wow!  I have to occasionally treat myself.  For example Saturday night with the wine.  My goal is to burn 700 calories more than I eat, even Saturday, I still managed that goal (it was close).  My DMR, sticking to sub 2000 calorie days accounts for that 700 calorie a day deficit.  That makes the exercise more tolerable, knowing that every bit of effort I put into it, is getting rid of the fat. The ammount of food that you can eat at 2000 calories is amazing.  I imagine my one breakfast at McD’s accounting for 75% of those calories, then the coke accounting for the rest of them for the day. Today, here is what I’ve eaten. Breakfast 2 cups cooked oatmeal, with sugar free "maple" syrup, 1 cup orange juice. 441 calories Lunch 2 cups homemade vegetable soup w/ ground turkey. 1 can diet pepsi.  514 calories Snack 1 cup homemade vegetable soup w/ ground turkey.  1 can diet pepsi  257 calories Dinner 3 cups salad mix, 2 slices of american cheese, 1 package Starkist tuna, 4 tbsp fat free italian dressing. 1 can diet pepsi.  293 calories Overall, 1505 calories.  You can see that the friut & vegetable count is pretty high, I actually enjoy them.  I have about 500 calories to work with before going to bed, I may have another cup of soup.  To the casual observer, that may not look like much food, but I couldn’t eat all of the 2 cups of oatmeal.  2 cups of food is a pretty good amount. Is there a good site for different recipes out there?  Before early this year I had never cooked for myself.  I’m afraid my knowledge of preparing food is pretty limited. Dan – 305/295/220

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Question:

Over the last several months I have been sending out my resume to local CPA’s in the Cleveland area. Since I am not a CPA but hightly qualified does anyone have any ideas on how I can get employed? I am over 60 but in excellent helt and just have finished a projest on a leagel receivership case.

Response:

Hey Roger, when you are over 60, nay 50, it can be difficult to find a job.  Your post contains several spelling errors and if you are sending out covering letters and resumes with errors like that, you will have a tough time getting responses. Many older people put their life experiences to good use by offering their services as a consultant in one field or another, or by selecting a niche that they have knowledge in and offering a related product and their expertise to businesses.  For example, if you are knowledgeable in Accounting, you could learn a software package like Quick Books, Simply Acctg., or whatever and then sell the software and provide installation and setup services to businesses who need it. Best of Luck!

Response:

Question:

This issue is strictly on a "case-by-case" basis. I have seen (and played on) many 70’s Gibsons that were to die for. I have had two Byrdlands, a 1976 box, and a 1993 box. The quality is about the same in each. The ‘76 has that smooth "aged" sound, lacking in the 1993 box (which I have since sold). Yes, there is "gold" to be found. -JAS

– Hide quoted text — Show quoted text – Don’t know much about this, have just heard it mentionned a few times. Does it cover the entire 70’s period and all Gibson guitars?  Was it bad designs, marketing and production quality or just quality?  What was the cause of this? Thanks JML

Response:

Yes , I remember the rusty Fords. So what caused the guitar industry to get back on it’s feet? New owners or new managers? Are we talking about all Gibson and Fender Guitars from 70-79 or was it just some years but the whole decade is tarnished by those few years? JML

Response:

Yes , I remember the rusty Fords. So what caused the guitar industry to get back on it’s feet? New owners or new managers? Are we talking about all Gibson and Fender Guitars from 70-79 or was it just some years but the whole decade is tarnished by those few years? JML

I think it was the same sorts of things that caused other industries to wake up and stop producing crap: people caught on, not least the employees and customers, to the fact that better products were available elsewhere for less money.   Competition, in other words, raised the acceptable lower limit.     I think that this was the real lesson of the ‘lawsuit’ guitars: the Japanese could and did make an identical, but *better*, product, cheaper.    Names start to mean less if the quality isn’t there. I think that the corporations that had grown through mindless acquisition realized that they weren’t meeting their revenue projections (because of competition for quality), and had to resell these acquisitions to make their books and margins look better.   Their other choice was to actually significantly re-invest in quality, which is exactly what they didn’t want to do – that doesn’t show up as a good thing within one or two quarters, so the shareholders object.    Thus, it was both new (sometimes the old) owners, and new managers who had quality and customer needs as a priority (no kidding). CBS recruited management from Yamaha in 1981 to turn quality around at Fender, and sold it in 1984.   Gibson was bought from Norlin in 1986. (Norlin was formed in 1969 in a merger of Chicago Musical Instruments and an ECI, an Ecuadorian brewery). As to the time period:  you still have to look at each instrument, with the starting years being better (as older stock was used up and before things wore out) and getting progressively worse, until the bad stock and fixtures were used up or rejected under new management. That’s my view, anyway. Some of Bill Lawrence’s views are here: http://www.billlawrence.com/Pages/BL_Gibsonarticle.htm -pk

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Don’t know much about this, have just heard it mentionned a few times.  Does it cover the entire 70’s period and all Gibson guitars?  Was it bad designs, marketing and production quality or just quality?  What was the cause of this? Thanks JML

Response:

Don’t know much about this, have just heard it mentionned a few times. Does it cover the entire 70’s period and all Gibson guitars?  Was it bad designs, marketing and production quality or just quality?  What was the cause of this? Thanks JML

IIRC, other companies had the same sorts of problems in that era, Fender and Harley-Davidson being two other examples.   For Gibson, it was largely when owned by Norlin.   For Fender, by CBS, and H-D, by AMF.   This seems to me to have been the result of a corporate expansion trend in the US at the time – expansion for expansion’s sake,  without considering whether the acquisition target was part of the core business or even remotely related to it. It was partly a morale issue – ownership and management control by people who could just as well be making and selling shoes or toilet paper, for all they knew or cared about the product  - doesn’t really make for a highly quality-motivated workforce. It was partly a failure to re-invest in the company, which in Fender’s case you can see in the sloppiness of the neck-pocket routes – it looks like the jigs and fixtures had worn oversize and were just used anyway, milked for all they were worth. In other cases it was blatant effects at cost-cutting – you’ll see a series of Gibsons that show signs of having accountants on the design and production teams.   Hey, it’s cheaper to route a hole in the top and mount the controls on a plastic plate, than route through the back. So I’ll have to say it was mostly a decline in design quality, decline in production and workforce quality.   But again, I think it was part of a general business trend at that time.   Come to think of it, wasn’t that also the "another rusty Ford" era? -pk

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Question:

We like faxed invoices…..emailed would be even clearer to read as well as copy.  They get there faster than snail mail……and we take more discounts that way – Hide quoted text — Show quoted text – The e-mail is free. What are the general feelings about e-mail or fax invoices?  Personaly, I will not pay from an e-mail or fax invoice.

Response:

My two cents: As a web developer who used to work for a major retailer and now works for a major semiconductor company, I have to say that online works so much more efficiently when implemented properly. Underscore those last three words. A good billing system can be paid on line and your records would be made available to you, and you only, on line via a secured server. You may demand a paper record of the transaction, but you would be able to print all the transactions you wanted through your web browser. And any responsible company would have a policy in place for providing you with hard copies of any and all billings for auditing purposes. Something to consider. . . I’d like to know what the accounting professions point of view is on this. Oh, and as far as HTML tags in your invoice, that’s sloppy programming. RJR

Response:

Has anyone figured out how to include HTML tags in email invoices in QuickBooks 2001? Mine are getting stripped out…. I’m trying to put links in my emails (I used to be able to do that just fine when I was using the Invoy add-on) Thanks in advance Henrik

Response:

What are the general feelings about e-mail or fax invoices?  Personaly, I will not pay from an e-mail or fax invoice. Has anyone figured out how to include HTML tags in email invoices in QuickBooks 2001? Mine are getting stripped out…. I’m trying to put links in my emails (I used to be able to do that just fine when I was using the Invoy add-on) Thanks in advance Henrik

– GIF89ad

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The e-mail is free. – Hide quoted text — Show quoted text – What are the general feelings about e-mail or fax invoices?  Personaly, I will not pay from an e-mail or fax invoice.

Response:

I agree with you Rick.  If a Supplier does not give me or post me a regular paper invoice, he is not going to get paid. Peter

Response:

What are the general feelings about e-mail or fax invoices?  Personaly, I will not pay from an e-mail or fax invoice.

I am curious as to why not.  Are you saying that there is something special about the Postal Service or hand delivery of an invoice that makes it different than one delivered by other means? I have been dragged kicking and screaming into the technology age.  But I can not ignore the new ways that business is now generally done in our world today.  I learned my trade preparing sets of books and tax returns by hand. I did business before the days of e-mail and fax machines, and I’m not that old.  I am not a cheerleader for new technology — it had better be proven before I use it. Which brings me back to this question:  Why would you choose to ignore a legitimate billing delivered by fax or e-mail? — Bryan Kellar, EA Pioneer Tax & Accounting Service   Portland, OR www.oregontaxhelp.com

Response:

Has anyone figured out how to include HTML tags in email invoices in QuickBooks 2001? Mine are getting stripped out…. I’m trying to put links in my emails (I used to be able to do that just fine when I was using the Invoy add-on) Thanks in advance Henrik

Do you seriously think that after all these years, and the countless millions of dollars spent, and all their internal strategy studies and decision processes at Intuit that resulted in the decision to lock up the data in proprietary formats, that Intuit will suddenly allow their users to imbed XML tags in their electronic invoices? If you were allowed to imbed <TAGS you would be able to interface Quickbooks with the ecommerce vendors of your choice.  For example you could send the bills to a billing provider other than Intuit, or use them to submit purchase orders to buy stuff from vendors other than the vendors on Intuit’s portal.  Or as messages for banking and payments.  Think about it.   And be alert for smaller vendors who do not lock in the user’s data. If they ever get usable enough.  Not easy. Todd * Todd F. Boyle CPA    http://www.GLDialtone.com/ * XML accounting, webledgers, BSPs, ASPs, whatever it takes

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and I won’t ship to you without you giving me a valid Card number. – Hide quoted text — Show quoted text – I agree with you Rick.  If a Supplier does not give me or post me a regular paper invoice, he is not going to get paid. Peter

Response:

What are the general feelings about e-mail or fax invoices?  Personaly, I will not pay from an e-mail or fax invoice.

Why not?  It’s convenient, free, and fast. P

Response:

What are the general feelings about e-mail or fax invoices?   Personaly, I will not pay from an e-mail or fax invoice.

Someone must have once said this about paper invoices, which were less secure than the Sumerian safety-protected embedded clay tablets of 5,000 years ago. No one uses clay invoices now and soon no one will mail invoices. In 1999 we had 3.4 trillion U.S. emails and 107 billion first class mails. Electronic Data Interchange was long required by all doing business with large companies. Some small business accounting systems NOW automatically create entries and electronic payment instructions when you approve email bills. Cost savings, timeliness and accuracy differences will soon make it hard for paper invoice people to compete with users of electronic invoices, especially if paper invoices badly delay payment and increase rejection. Ask doctors who bill electronically or go out of business.      Mike Block – Tax Cut CPA   World’s #1 QuickBooks Top Tester     FREE  NetLedger accounting   FREE 462p QB books/error codes 100+ QB add-ons http://blocktax.com/

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Question:

Glad to hear you are on track with a better mortage company. The behavior of the previous broker was outrageous. For folks looking to purchase a first home there are a certain group of "predators" and it seems you encountered one. The 30% ratio of sales price to total inital costs was way high. It’s jerks like that first broker who end up driving off first time buyers. Thank goodness the realtor hooked you up with somebody who seems to be alot more responsive. I strongly recommend that you visit a library and scan through some of the "Buying Your First Home" type books that they have. A little bit of reading will help you feel like you are alot more "empowered" and make it harder for anyone to take advantage of you. Good Luck and congratulations! – Hide quoted text — Show quoted text – Hi Walt, We found a new broker this morning. He came recommended so we thought that we check him out. He explained everything that we didn’t understand and after going over all the paperwork, he quoted $3800 as total move-in amount instead of the $8200 that the first broker wanted. That’s a big difference, but he works for a flat fee instead of commission so I guess that makes a big difference. He went over all the fees involved, such as apprasials, inspections, ect… The taxes for this house last tax year were only $459. Highlands is a small unincorporated town. Houses sell very fast and rarely do you find one for sale. There’s plenty of land for sell but we don’t want to live in a trailer. Thanks for writing, Kim

– Hide quoted text — Show quoted text – I would say that the original $6,500 was just a guess since no particular house was involved. The $8,200 is an actual "good faith" estimate based on a specific house. This means that many things can be based on true costs in the area the house is located. Town taxes, school taxes, mortgage taxes, transfer fees, required inspections (possibly due to the age of the house) are just some of the things which come to mind. Now that you have a house picked out, you are entitled to a written estimate of closing costs which is broken down. Get a copy of it, and read through it. If you find something ‘odd’ ask about it, or post here and I am sure that someone would offer an explanation. Hi, I hope someone could help me. Here’s the situation. We were preapproved through a mortgage broker for a $73,000 mortgage and told that we needed a total of $6500 to get into a house in this price range. … Well the broker is now fishtailing on us. We can’t understand this. We were preapproved for $73,000 with $6500 move-in cost. Now she is saying to get into this $26,500 house we have to come up with $8200. We can’t understand this. Is there a reason for something like this? She didn’t even look at the house we wanted. When I asked her to explain, she said that the closing costs are just more and that’s just the way it is. She finally just hung up on me.

Before you buy.

Response:

Hi, I hope someone could help me. Here’s the situation. We were preapproved through a mortgage broker for a $73,000 mortgage and told that we needed a total of $6500 to get into a house in this price range. We looked at a lot of houses trying to find something that we wanted but there were always foundation problems with everything that we liked. In the process of driving through different neighborhoods, we found a cute little house that would be just perfect for our needs. It’s an older house with a new roof and new paint. We called the real estate agent to see how much this house costs. It turns out that the owner only wants $26,500 for the house. The agent showed us the house and we decided that this is the house that we want. This would be our primary residence and not a rental situation. We are first time buyers. We put up the earnest money so that the house wouldn’t get sold while we contacted our mortgage broker. Well the broker is now fishtailing on us. We can’t understand this. We were preapproved for $73,000 with $6500 move-in cost. Now she is saying to get into this $26,500 house we have to come up with $8200. We can’t understand this. Is there a reason for something like this? She didn’t even look at the house we wanted. When I asked her to explain, she said that the closing costs are just more and that’s just the way it is. She finally just hung up on me. I called the real estate agent and she suggested that I find a different mortgage broker. We have 43 days left on the earnsest contract to find financing. Do closing costs really go up so much when you buy a lower price house? Do mortgage brokers make some kind of commission? Maybe that’s why she raised the costs of closing? We live in Texas. Do anyone know of a cheaper broker? Thanks, Kim

Response:

I would say that the original $6,500 was just a guess since no particular house was involved. The $8,200 is an actual "good faith" estimate based on a specific house.  This means that many things can be based on true costs in the area the house is located.  Town taxes, school taxes, mortgage taxes, transfer fees, required inspections (possibly due to the age of the house) are just some of the things which come to mind. Now that you have a house picked out, you are entitled to a written estimate of closing costs which is broken down. Get a copy of it, and read through it.  If you find something ‘odd’ ask about it, or post here and I am sure that someone would offer an explanation. Hi, I hope someone could help me. Here’s the situation. We were preapproved through a mortgage broker for a $73,000 mortgage and told that we needed a total of $6500 to get into a house in this price range.

… – Hide quoted text — Show quoted text – Well the broker is now fishtailing on us. We can’t understand this. We were preapproved for $73,000 with $6500 move-in cost. Now she is saying to get into this $26,500 house we have to come up with $8200. We can’t understand this. Is there a reason for something like this? She didn’t even look at the house we wanted. When I asked her to explain, she said that the closing costs are just more and that’s just the way it is. She finally just hung up on me.

Response:

We were preapproved through a mortgage broker for a $73,000 mortgage and told that we needed a total of $6500 to get into a house in this price . . . much this house costs. It turns out that the owner only wants $26,500 for the house. The agent showed us the house and we decided that this is the . . . Well the broker is now fishtailing on us. We can’t understand this. We were preapproved for $73,000 with $6500 move-in cost. Now she is saying to get into this $26,500 house we have to come up with $8200. We can’t understand this. Is there a reason for something like this? She didn’t even look at the house we wanted. When I asked her to explain, she said that the closing costs are just more and that’s just the way it is. She finally just hung up

You obviously need information keyed to Texas law and customs. 1.  In this jurisdiction (Ontario Canada) mortgage brokers are paid a commission by the lender and the only fee for the borrower is one trip for the broker to inspect the house (which must be made by someone on the lender’s side, and for which someone must pay.) 1b.  If one professional (broker or other) cannot or will not explain the financial conditions he says are essential, you can drop him and use another. 1c.  Since the broker’s commission probably depends on the size of the mortgage, brokers have an incentive to keep mortgages high. 2.  Down payments are not uniform everywhere.   Rural properties may indeed require higher down payments than those in town. 3.  If you can locate a reliable real estate lawyer, many first-time buyers find this well worth the money (range $300-$1,000.)  For example you want to be sure there are no liens on the property you want to buy.  Not least, the lawyer you pay is obliged to tell you the truth and to find out all the truth.  This is not necessarily so for the real estate agent. (E.g. when we bought, our lawyer found a forgotten but undischarged mortgage on the land and also proposed the most economic solution for all parties, which left everyone happy. Six months later I discovered an error in the accounting, so that the vendor owed me about $650.  Because he was happy with the legal settlement he paid up promptly with no argument.) 4.  A real estate lawyer can also tell you what "closing costs" are in your jurisdiction. Here, these add no special fees:  but you need to "adjust" payments at the last stage so that both buyer and seller pay their fair shares of property taxes for the year, etc. — |        Carlsbad Springs, Ottawa, Canada        |

Response:

Hi Walt,             We found a new broker this morning. He came recommended so we thought that we check him out. He explained everything that we didn’t understand and after going over all the paperwork, he quoted $3800 as total move-in amount instead of the $8200 that the first broker wanted. That’s a big difference, but he works for a flat fee instead of commission so I guess that makes a big difference. He went over all the fees involved, such as apprasials, inspections, ect… The taxes for this house last tax year were only $459. Highlands is a small unincorporated town. Houses sell very fast and rarely do you find one for sale. There’s plenty of land for sell but we don’t want to live in a trailer. Thanks for writing, Kim – Hide quoted text — Show quoted text – I would say that the original $6,500 was just a guess since no particular house was involved. The $8,200 is an actual "good faith" estimate based on a specific house.  This means that many things can be based on true costs in the area the house is located.  Town taxes, school taxes, mortgage taxes, transfer fees, required inspections (possibly due to the age of the house) are just some of the things which come to mind. Now that you have a house picked out, you are entitled to a written estimate of closing costs which is broken down. Get a copy of it, and read through it.  If you find something ‘odd’ ask about it, or post here and I am sure that someone would offer an explanation. Hi, I hope someone could help me. Here’s the situation. We were preapproved through a mortgage broker for a $73,000 mortgage and told that we needed a total of $6500 to get into a house in this price range. … Well the broker is now fishtailing on us. We can’t understand this. We were preapproved for $73,000 with $6500 move-in cost. Now she is saying to get into this $26,500 house we have to come up with $8200. We can’t understand this. Is there a reason for something like this? She didn’t even look at the house we wanted. When I asked her to explain, she said that the closing costs are just more and that’s just the way it is. She finally just hung up on me.

Response:

Question:

I would like to hire someone to set up Quickbooks Pro for me.  How much will it cost?

Response:

<< I would like to hire someone to set up Quickbooks Pro for me.  How much will it cost? Depending on the information you would like to get out of the program (reports), and the complexity of your business, it could range anywhere from a few $10’s to $1,000’s. The best thing is to talk with some QB professional advisors in your area and describe in more detail what you are looking for. Tom –Solving your tax and business problems with Professional Service…Personal Attention Web: http://members.aol.com/thealycpa/Tom_Healy_CPA.html

Response:

I am looking for that type of work. I would charge $9.00 an hour. I currently work with Quick books and set up people all the time. Where are you located? If you are interested or would like to speak to me further on this

  craig.vcf

< 1K Download

Response:

wrote in alt.accounting: I would like to hire someone to set up Quickbooks Pro for me.  How much will it cost?

A national accounting association says it should be $495. They charge accountants up to $30,000 to join. We may be unique in doing initial QB set up and review FREE. You do not even have to use us as your CPA. All we want is a chance to talk to you about how we teach the fastest and easiest way to manage your business and CUT YOUR TAXES. We were #1 Top Tester of the pre-release versions of QB 6 and 99. We specialized in QB for 8 years and provide many free QB answers on our web site and while co-moderating biz.comp.accounting. Many more answers are in our inexpensive book, which should be updated today. We can only visit Florida regularly, but have long helped clients in Texas, Ohio and California with email and remote control programs like PC Anywhere. We will soon use two-way video conferencing, with remote control of your computer, for remote seminars and support. We also do not charge review tax returns FREE. We limit our charges for making tax cutting changes to the LESSER of actual time charges or 1/3 of your tax savings. All this has helped us grow very fast.   Mike Block, Tax Fighting C.P.A.              World’s #1 QuickBooks Top Tester 450+ page QB book/free updates $10 QB add-ons http://www.blocktax.com/       Ft Lauderdale FL 954-566-7540

Response:

Roughly, when will Quickbooks 2000 be released ? Mike

Response:

There are several variables in computing the "Cost and Price" of a QuickBooks setup. The variables answer the questions :         1.0    Is complete documentation included?         2.0    Will the setup provide Compileable , Reviewable or Auditable Reports ?         3.0     Will the Setup be used by a Receptionist, Clerk, Accountant or Owner?         4.0    The Setup will be used Daily, Twice a week, Weekly or Only as needed ?         5.0    The ‘Principal’ will spend Half an Hour, Half a Day or Half a Week providing Setup data?         6.0    The current system which is being converted to QB provides Timely but wrong reports,                                           Wrong reports or Late and Wrong reports Gary J Garrety

Response:

Question:

Why was this posted to all these news groups?   Hey, fella, trim the list of newsgroups to which you reply, please.  

Response:

you are full of shit….that’s exactly what happended to you.  You just don’t know shit.  You are the whale shit…

No! THe PENGUIN shit!! Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!!

– Captain Busternaut – FF*20   busternaut at ihavepms dot com icq #11898325                      everyone’s got a complex

Response:

you are full of shit….that’s exactly what happended to you.  You just don’t know shit.  You are the whale shit… what a dumbfuck

What an eloquent response. — Captain Busternaut – FF*20   busternaut at ihavepms dot com icq #11898325                      everyone’s got a complex

Response:

- Hide quoted text — Show quoted text – you are full of shit….that’s exactly what happended to you.  You just don’t know shit.  You are the whale shit… Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!! The budget is not balanced. Welfare is not improved. And there is no peace in the middle east. Seems you really swallowed the media propaganda! Hook, line and sinker.

Paranoia, Paranoia Watching you, watching you Hiding in the shower, Hiding in the shower Don’t go poo… — Captain Busternaut – FF*20   busternaut at ihavepms dot com icq #11898325                      everyone’s got a complex

Response:

Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!!

This one’s from a European: Down here we just can’t believe that _some_ Americans keep wasting their time over blowjobs and cigar stunts instead of looking at what’s really important. (BTW, is it true that Gingrich blamed the media and Monica Lewinsky for the Republican defeat because they made the American public "pay too little attention to the real issues"? Look who’s talking….) Get a grip, America. You’ve made complete jerks out of yourselves in the eyes of the international public. For instance, did anyone out there read what the Italian prime minister had to say about "Judge" Starr – "a little man out to torture the president"? Or the former German chancellor re. the Internet publication of the protocols – "makes me want to vomit" (he has never once before used such strong language in his 16 years in office)? In Europe, we laugh ourselves silly – if we’re not busy wondering if this is the kind of superpower we want to take care of global peace and security. If you throw your country into months of agony and crisis over a little bit of recreational sex, you don’t really seem to be fit for world leadership. Get rid of your national neurosis, and then come back claiming supremacy. Your president, on the other hand, is a great man who has been severely wronged by zealots, bigots and Macchiavellistes. Leave him alone and let him do his job. His doing more than fine.

Response:

Why don’t you obsessed jerks, jerk off on your own twisted newsgroup? Dejanews will help you set one up. Wank elsewhere. Do you understand that language? This NG had credibility until you arrived. Frenchy

Response:

How can you give credit to any politician credit for the economy? Keynesian Economics is dead.  A fact a vast majority of economists have agreed on since the 70’s.  Finally some politicians realize it (Libertarians & Republicans mostly).  The best way to help the economy: leave it alone.  MVP?  I think not.  Best Actor, Bulls-eye. – Hide quoted text — Show quoted text – See that little button next to the "A" on your keyboard, with "Caps Lock" on it? I suggest you press it. David "The Doctor" Proctor I DON’T CARE IF BILL CLINTON GETS BLOWN IN THE MIDDLE OF TIMES SQ. .THE FACT IS THAT AFTER 12 YRS OF REPUBLICAN LEADERSHIP THE FEDERAL DEFICIT TRIPLED THANKS TO THE REAGAN/BUSH TEAM.AT THIS POINT IN TIME THE ECONOMY IS BETTER THAN IT HAS BEEN IN 25 YRS.I LEAVE MORAL JUDGEMENTS TO GOD ,AND BASED ON OVERALL PERFORMANCE CLINTON SHOULD BE Come again? CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

I couldn’t give a rats arse about what he was saying – I was telling him not to type in Caps! David "The Doctor" Proctor – Hide quoted text — Show quoted text – How can you give credit to any politician credit for the economy? Keynesian Economics is dead.  A fact a vast majority of economists have agreed on since the 70’s.  Finally some politicians realize it (Libertarians & Republicans mostly).  The best way to help the economy: leave it alone.  MVP?  I think not.  Best Actor, Bulls-eye. See that little button next to the "A" on your keyboard, with "Caps Lock" on it? I suggest you press it. David "The Doctor" Proctor I DON’T CARE IF BILL CLINTON GETS BLOWN IN THE MIDDLE OF TIMES SQ. .THE FACT IS THAT AFTER 12 YRS OF REPUBLICAN LEADERSHIP THE FEDERAL DEFICIT TRIPLED THANKS TO THE REAGAN/BUSH TEAM.AT THIS POINT IN TIME THE ECONOMY IS BETTER THAN IT HAS BEEN IN 25 YRS.I LEAVE MORAL JUDGEMENTS TO GOD ,AND BASED ON OVERALL PERFORMANCE CLINTON SHOULD BE Come again? CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

alt.accounting?????? More fucking jobs have went south of the border since Clinton, the Democratic Congress and NAFTA than in the preceding 100 years.

Goody goody.  Now explain why, inview of the "fact", the unemployment rate is also the lowest it’s been in about 20 years. The economy is propped up by the ridiculous inflation in the stock market and you are about to see that bubble bust too.  But then I guess the Moral Judgment of   God will be loose on the USA, won’t it.

The stock market has bounced around for years.  If it worries you, don’t play that game. Dragon

Response:

you are full of shit….that’s exactly what happended to you.  You just don’t know shit.  You are the whale shit… – Hide quoted text — Show quoted text – Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!!

Response:

writes you are full of shit….that’s exactly what happended to you.  You just don’t know shit.  You are the whale shit… Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!!

The budget is not balanced. Welfare is not improved. And there is no peace in the middle east. Seems you really swallowed the media propaganda! Hook, line and sinker. And btw, exactly where *is* Charlie Trie? — KarenMarie

Response:

writes

I’m sure it was an innocent mistake, but could you check which newsgroups you’re replying to? This thread was dead (and may it stay dead!) in our group, and we’ve just suddenly gotten your replies. Thanks, and sorry for any inconvenience this has caused anyone. Eileen

Response:

you are full of shit….that’s exactly what happended to you.  You just don’t know shit.  You are the whale shit…

what a dumbfuck Velius – Illustrious SysOp of Black Sabbath BBS!!              http://bbsempire.home.ml.org  "You hear about ‘constitutional rights,’free speech,’ and the ‘free press.’ Every time I hear these words I say to myself,’That man is a Red…’ You never hear a REAL American talk like that!"

Response:

Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit.

Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!!

Response:

See that little button next to the "A" on your keyboard, with "Caps Lock" on it? I suggest you press it. David "The Doctor" Proctor – Hide quoted text — Show quoted text – I DON’T CARE IF BILL CLINTON GETS BLOWN IN THE MIDDLE OF TIMES SQ. .THE FACT IS THAT AFTER 12 YRS OF REPUBLICAN LEADERSHIP THE FEDERAL DEFICIT TRIPLED THANKS TO THE REAGAN/BUSH TEAM.AT THIS POINT IN TIME THE ECONOMY IS BETTER THAN IT HAS BEEN IN 25 YRS.I LEAVE MORAL JUDGEMENTS TO GOD ,AND BASED ON OVERALL PERFORMANCE CLINTON SHOULD BE Come again? CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. – Hide quoted text — Show quoted text – CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

Yeah, he has resigned himself to get more and more blow jobs from the whitehouse staff.  Get a grip America this guy is lower than whale shit. Yeah, any lower and he’ll have to become a republican!!! What has Clinton ever done for us, besides strengthening the economy, balancing the budget, and improving welfare?  Only middle-east peace the lazy fuck!!

Yeah!! Impeach the bastard!! No one that qualified for the position should have it! — Captain Busternaut – FF*20   busternaut at ihavepms dot com                     icq #11898325 everyone’s got a complex     COUNTDOWN TO ADULTHOOD: 6 days

Response:

More fucking jobs have went south of the border since Clinton, the Democratic Congress and NAFTA than in the preceding 100 years. The economy is propped up by the ridiculous inflation in the stock market and you are about to see that bubble bust too.  But then I guess the Moral Judgment of   God will be loose on the USA, won’t it. – Hide quoted text — Show quoted text – I DON’T CARE IF BILL CLINTON GETS BLOWN IN THE MIDDLE OF TIMES SQ. .THE FACT IS THAT AFTER 12 YRS OF REPUBLICAN LEADERSHIP THE FEDERAL DEFICIT TRIPLED THANKS TO THE REAGAN/BUSH TEAM.AT THIS POINT IN TIME THE ECONOMY IS BETTER THAN IT HAS BEEN IN 25 YRS.I LEAVE MORAL JUDGEMENTS TO GOD ,AND BASED ON OVERALL PERFORMANCE CLINTON SHOULD BE Come again? CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

I DON’T CARE IF BILL CLINTON GETS BLOWN IN THE MIDDLE OF TIMES SQ. .THE FACT IS THAT AFTER 12 YRS OF REPUBLICAN LEADERSHIP THE FEDERAL DEFICIT TRIPLED THANKS TO THE REAGAN/BUSH TEAM.AT THIS POINT IN TIME THE ECONOMY IS BETTER THAN IT HAS BEEN IN 25 YRS.I LEAVE MORAL JUDGEMENTS TO GOD ,AND BASED ON OVERALL PERFORMANCE CLINTON SHOULD BE – Hide quoted text — Show quoted text -Come again? CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

Yes, he has resigned himself to doing the job he was elected to do. – Hide quoted text — Show quoted text – CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

Yes, he has resigned himself to doing the job he was elected to do.

And getting the ‘jobs he wasn’t…  ;-) John alt-130 Your alt alternative — Visit Alt-130 Enterprises:   [http://john.lavallee.com]

Response:

)Yes, he has resigned himself to doing the job he was elected to do. So when’s he planning on starting? I guess that middle class tax cut is about to become a reality, huh? William R. James

Response:

Willy wanted Tipper Gore Did her by his office door Hillary saw but didn’t blink- Really dear, it’s no big thing!

Response:

Yes, he has resigned himself to doing the job he was elected to do.

I don’t recall electing him to hose interns, the constitution, or the American people.

Response:

Come again? – Hide quoted text — Show quoted text – CLINTON HAS RESIGNED UNOFFICIAL PRESS RELEASE http://creativejunctions.com/users/pressrelease/ Yes.  Before CNN, the BBC or BSKYB!

Response:

Question:

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Response:

Hello.. from EUROPE, Sommes tr

Question:

To say that the schools serve no useful purpose is unfair.

I don’t think that you’ll find any statement in rec.boats where someone asserts that ASA schools serve no useful purpose. You *will* find that lots of us have said that you can learn a lot more about sailing for a lot less money in other ways, and have described those ways. -JOhn

Response:

        I took the first two levels of ASA courses as someone with very little experience.  The first was on a 27′ and the second on a 32′.  I basically agree that they probably get you on too big a boat too fast.  I promptly went out and bought a 15′ BW Harpoon.  I honestly don’t know how anyone could feel competent to skipper a boat that big after just taking the courses.  You’d have to be an idiot.  This is not to say that I didn’t learn something but you have to have some common sense.  In the absence of a mentor,  at least these courses will teach you the basics so I think they are useful.  For sailing time they certainly are no more expensive per person than most captained charters I’ve seen.  I think they are expecially useful for someone who may have the opportunity to sail with someone but wants to show up with some knowledge.         As with all certification, ASA certificaton indicates only that a test has been taken and must be interpreted by a charter company in conjunction with what they see standing before them.  It is a certification of the completion of a block of training time, not a garauntee of competence.  This is true in all fields from medicine to accounting and expectations that sailing should be any different are simply unrealistic.  To say that the schools serve no useful purpose is unfair.

Response: