You can sell your home earlier and pay off the mortgage but you might face penalties. Each bank has their own rules for the penalties but its usually a few month of your mortgage payment.

If there is a government lien even the wires that are in process will be frozen.

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How long to you have to own a property before the taxes decrease? what percent do you pay if you sell early?

Own it for over a year, 15% max. Less, then your marginal tax rate (same as if you got a bonus at work).

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This is insane. they say that there is no early pay penalty so im going to try to kills this loan by the end of this year. it is 16.5k loan. 36 months for 550 or around there. i forgot what they said. rent is free for me, i have a used car that will sell for 5k, i have about 3g's in the bank. i should just kill this loan asap huh. the reason why i want to get the car now is because the guy is selling his 2004 tsx for pretty cheap. for about 16.5k. which i think is a pretty nice deal. im going to do an inspection tommorow but another plan was maybe getting a credit union loan and kill off my 16.5k loan immiedately. my credit score is 685. know a place with better rate hopefully?

You could shop around and try to find a better intrest rate - but if you already have this loan settled i wouldnt worry much about it. yeah-the intrest rate is a little high. Actually, i have heard of others with much worse intrest rates, so dont feel too bad about it. Sounds like you have the ability to pay it off pretty quick, i would just go with that route. Just keep the loan through Capital One, try to pay it off early. You will improve your credit rating and also the next time you go to get a car loan (or loan for another large ticket item) you will probably be able to get a much better intrest rate.

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1. luke makes $10.00 an hour cleaning and detailing cars. he will receive a $2.55 raise per hour in his wages next month. answer these 3 questions and make the necessary calculations: what is the percent of change in luke's wages? does the percent of change show an increase or a decrease? 2. lynda owns a flower shop. she just purchased a shipment of rare orchids for $2,250.00. if she pays her bill early, she will receive a discount of $350.00. what is the percent of change for the flowers? what is the total amount of lynda's bill for the orchids? does the percent of change show an increase or a decrease? 3. sasha went shopping for a new car. the one that she chose to buy was originally priced at $20,000.00. the car dealership will be selling the car on sale for $15,500.00. what is the percent of change in the price of the car? does the percent of change show an increase or a decrease?

1. his percent of increase is 22.5% 2. 84.4% change for Lynda (its a decrease in money she will have to pay) 3. 22.5% change for the car (it is a decrease b/c the price of the car has been lowered

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Match each term with its definition. match term definition interest a) an educated guess rebate b) money provided to someone from lending institution; this must be paid back commission c) something is selling for a price that is cheaper than usual tip d) a bill is paid early and the price is reduced as a result sale e) a card that is presented to a buyer that will help get money back loan f) money left to a person in the service industry above the price of the bill discount g) this shows how much a value goes up raise h) a percent of a sale that goes to the salesperson cross multiplication i) a worker will receive more money on their next check estimation j) the fee that is paid for borrowing money percent of increase k) a method that is used in the proportion method

Hi: ESTIMATION - an educated guess - A CROSS MULTIPLICATION- a method that is used in the proportion method - K LOAN - money provided to someone from lending institution; this must be paid back - B RAISE - a worker will receive more money on their next check - I PERCENT OF INCREASE- this shows how much a value goes up- G DISCOUNT - a bill is paid early and the price is reduced as a result- D SALE - something is selling for a price that is cheaper than usual - C COMMISSION - a percent of a sale that goes to the salesperson - H TIP - money left to a person in the service industry above the price of the bill - F INTEREST - the fee that is paid for borrowing money- J REBATE -a card that is presented to a buyer that will help get money back - E I heope This helps

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Turmoil in the airline industry even before the september 11 terrorist attacks, the major airlines were flying into stiff head winds. slim to nonexistent profits, bankruptcies and buckets of red ink, poor service, late arrivals, overexpansion, frequent air-traffic control breakdowns, some of the worst labor-management relations in business, high fuel costs, a full-blown economic downturn, and the collapse of business travel had cast this industry into one of the worst periods in aviation history. road warriors get smart for years, the major airlines had succeeded in getting business travelers (road warriors) to pay premium fares by pampering them with special business-class seats and other perks. business travel was their lifeblood. sales of unrestricted fares and last-minute tickets generated about two to three times as much as economy fares and contributed about 70 percent of a major airline?s revenue. but with corporate profits hitting the skids in late 2000, companies put the brakes on travel spending. the corporate exodus hit the major airlines hard. resourceful business travelers used substitute products such as videoconferencing or other transportation modes ? even if it meant putting up with inconveniences ? to reduce travel expenses. some turned to the internet to find cheaper airfares. others moved their business downstream to discount airlines such as southwest and jet blue. major airlines tried to raise round-trip leisure tickets to make up for their lost business revenues, but fierce competition from discounters prevented them from doing so. air travel is ?wal-marted? just as wal-mart did in retailing, the discounters of the air such as southwest and jet blue are squeezing the major airlines from all ends. low-cost carriers now account for nearly 20 percent of the u.s. domestic air capacity, up from 6 percent in the early 1990?s. they can afford to sell travel tickets for less because they have many cost advantages over full-service rivals. to begin with, they have younger fleets, which require less maintenance, and younger labor forces that aren?t tied to complicated, inefficient labor contracts. moreover, low-fare carriers typically fly one airplane model, thus minimizing maintenance, operating, and training costs. by contrast, big carriers typically fly six or seven types of aircraft. and unlike the big guys, the discount airlines don?t operate expensive hub-and-spoke systems. caught between a hub and a hard place using a hub-and-spoke route system, major airlines scoop up traffic from smaller cities (the spokes) and funnel it through a few gathering points (the hub). this practice allows airlines to serve small markets and offer passengers more destinations and more frequent flights. but is also presents a logistical nightmare. it forces major airlines to schedule lots of flights to arrive and depart within narrow windows of time in order to minimize passenger layover times. this means that ground crews, such as gate attendants and baggage handlers, often sit idle between waves of connecting flights. by contrast, point-to-point carriers, such as southwest and jet blue, schedule flights as if passengers are moving to their final destinations. instead of having planes and crews sit around and wait for passengers, point-to-point carriers maintain fast-paced schedules, which means minimal downtime for aircraft and fewer personnel on the ground. turbulent skies for the bid carriers today, one in four tickets sold is on a discount airline. as pressure from low-fare carriers mounts, major airlines are reevaluating every aspect of their operations. the major carriers are undergoing radical change just to stay in business. they are experimenting with changes in costs, capacity, pricing, and product features in ways they haven?t seriously contemplated since the industry was deregulated in 1978. they are stripping billions of dollars from their operations by revamping their hub system, cutting jobs, eliminating flights, ending food service, and removing first-class seats, and by simplifying their fleets to cut training and maintenance costs, some are replacing agents with self-service kiosks. others are wrangling concessions from unions for huge pay cuts to reduce labor costs ? a major differentiating factor when you consider that in 2002 a united airlines captain earned $9,000 to $11,000 more a month than a jet blue captain. still others, such as u.s. airways and united airlines have filed for chapter 11 bankruptcy protection to reorganize their outstanding debt and lower their operating costs. in spite of their efforts, questions loom as to whether all the major airlines can survive. even with huge cost cuts, all airlines remain susceptible to possible terrorist attacks, economic turns, or employee unrest. as experts claim that this is just the beginning of an industry-wide shakedown. after all, no airline can fly forever losing billions of dollars. critical thinking questions 1. what s 1. what supply and demand factors have changed the equilibrium point for airline tickets? 2. how has information technology affected the airline industry? 3. how are complimentary products affected by problems in the airline industry? 4. take a closer look at the airline industry by logging on to http://www.hoovers.com, and type in airlines for your search. list six domestic (u.s.) airlines and their locations and six international (global) airlines with their locations as well. 5. why do u.s. airlines form alliances with overseas partners?

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A customer purchased a $2,000 item at applianceworld, paying with a credit card (visa). the merchant is charged a 2% fee by the credit card company. when recording this sale, the merchant would: a) debit accounts receivable for $2,000. b) credit sales revenue for $2,000. c) credit sales revenue for $1,800. d) credit unearned sales revenue for $2,000. e) none of the above is correct. 2- the primary objective of financial accounting is to a) provide information about a business to internal parties. b) provide information about a business' future business strategies. c) provide useful economic information about a business to help external parties make sound financial decisions. d) provide predictions of future stock price. e) none of the above is the primary objective of financial accounting. when credit terms for a sale are 2/15, n/40, the customer saves by paying the bill early. approximately what percent would this savings amount to on an annual basis? a) 18%. b) 20%. c) 30%. d) 37%. e) none of the above is correct. 18. a post closing trial balance would include account balances for only the a) assets and liabilities. b) revenues and expenses. c) assets, liabilities, and stockholders' equity. d) assets, liabilities, stockholders' equity, revenues, expenses, and dividends. e) none of the above is correct. 19. which of the following activities violates the revenue recognition principle? a) recording revenue in december 2006 for units manufactured but not yet sold to customers b) recording cash received in advance from customers as revenue when the product is not yet shipped c) not recording interest earned in 2006 until the cash is received in 2007 d) none of the above violates the revenue recognition principle e) all of the above violates the revenue recognition principle marion company had these transactions during the first month of the new accounting period. sold merchandise for $9,000 on credit; its cost was $5,000 and it was purchased and paid for last year. collected $3,000 from an account receivable. the account was established in the previous year. used office supplies of $1,500 purchased and paid for in the prior year. reference: 03_02 marion's net income for the new period would be a) $2,500 b) $4,000 c) $8,000 d) $6,500 e) none of the above is correct 21. when the price earnings (p/e) ratio for a company decreases from 2006 to 2007, it means the company's investors a) believe the future earnings will exceed the current earnings level. b) believe the future earnings will be lower than the current earnings level. c) are confident about the company's future operating effectiveness. d) are not confident about the company's future operating effectiveness. e) both b and d are true. on january 1, 2007, denmark inc., started the year with a $200,000 credit balance in its retained earnings account. during 2007, the company earned net income of $70,000 and declared and paid dividends of $10,000. also, the company received cash of $15,000 as an additional investment by its owners. therefore, the balance in retained earnings on december 31, 2007, would be a) $200,000. b) $270,000. c) $245,000. d) $260,000. e) none of the above is correct. 23. financial accounting a) provides information primarily for external decision makers. b) is required for corporations but probably would not be done by other business entities. c) provides information primarily for the use of managers of the company. d) has been practiced in this country for approximately the last 15 years. the purchase of supplies for cash would a) not change total assets. b) increase total assets. c) increase liabilities. d) decrease liabilities. e) none of the above is correct bad debt expense should a) appear on the balance sheet as a contra-asset. b) appear on the income statement as part of selling expenses. c) appear on the income statement as a contra- revenue. d) not appear in the financial statements. e) none of the above is correct. 26. which of the following is/are criteria for recording a sale? a) title and risks of ownership have been exchanged. b) the company is reasonably assured of collecting the receivable. c) the sales price has been fixed. d) both a and b are correct. e) all of the above are correct 27. which of the following statements is true? a) deckers outdoor sells primarily to other businesses on a credit basis. b) deckers outdoor would record revenue when cash collection is made from their customers. c) deckers outdoor records sales upon shipment of product to their customers. d) both a and c are true. e) all of the above are true 28. an income statement reports a) revenues, expenses, assets, and liabilities during an accounting period. b) resources, liabilities, and stockholders' equity of a business at a point in time. c) net income of a

I don't have time to do them all; but I'll get you started: 1. A) debit accounts receivable for $2,000 (the merchant's fee doesn't affect the cutomer's tranaction). 18. C) assets, liabilities, and stockholders' equity. 19. A) Recording revenue in December 2006 for units manufactured but not yet sold to customers. (Even if the items have been manufactured, you can't record them as revenue until thay are sold). 22. E) None are correct. Started the year with a $200,000 credit balance in its retained earnings account. During 2007, the company earned net income of $70,000 and declared and paid dividends of $10,000. Also, the company received cash of $15,000 as an additional investment by its owners. So the year-end retained earnings balance is ($200,000 + $70,000 - $10,000 + $15,000) = $275,000 23.A) Not change total assets.

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Someone asked this: why are there so many very poor people in mexico. i answered this way. why was it considered a violation? from "a history of latinos in america" by juan gonzalez. mexico and other parts of latin america suffer from the most uneven distribution of wealth in its history. before the 1980s, latin americans generally protected their domestic industries through heavy government ownership, high tariffs, and import substitution. mexico pursued that policy from 1940 to 1980. it averaged annual growth rates of more than 6 percent, with manufacturing output and real wages for workers growing consistently. then came the debt crisis. mexico was gradually pressured by u.s.-controlled international financial institutions to adopt neoliberal free trade policies. this included selling public assets and increasing exports to pay its debt. the government sold off most of its state owned companies and privatized the banks. instead of bringing prosperity, privatization deepened the chasm between the rich and the poor. new mexican billionaires emerged, real wages plummeted and 200,000 mexicans lost their jobs. the term free trade seems positive at first glance. won't increased trade with the u.s. bring increased prosperity to mexico? history shows that most major industrialized nations did not practice free trade during their early periods of economic growth, including the u.s. they used high tariffs to protect their domestic industries from foreign competition, as mexico was doing before the free trade agreement. only when countries such as england and the u.s. gained advantage over all other countries did they begin advocating free trade. despite this historical record, neoliberal economists in the advanced industrial nations continue to praise the fall of tariffs and the growth of free trade in places such as mexico. in reality, 2/3 of all the trade in the world is between multinational corporations, and one-third of it represents multinational trading with their own foreign subsidiaries. as a result, the largest private traders and employers in mexico today are not mexican firms but u.s. corporations. if free trade leads to greater prosperity, why has economic inequality soared and poverty deepened in virtually every third world country that adopted neoliberal free trade policies? source(s): harvest of empire by juan gonzalez

this is nearly the exact theme of my senior thesis last year and everything you said is true. probably some neoliberal, uneducated, schmuck who shops at Walmart and works for Exxon-Mobil turned you in.

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Worldwide sales of private jets have more than doubled since 2003, to $19.4 billion in 2007. the number of jets sold increased 28 percent between 2006 and 2007 alone, and sales are up sharply in the first quarter of 2008. corporate jet ownership has increased by about 70 percent since the early 1990s. demand for private jets is so high that a used jet bought in 2006 can now be sold at a handsome profit. boeing's largest business jet costs $67 million. other companies sell airplanes that are nearly as costly: airbus's priciest plane goes for $55 million, while gulfstream aerospace's g550 sells for $46 million. u.s. taxpayers subsidize private jet use and ownership. corporate ceos flying on jets for vacation on personal use pay personal income tax based on the value of the gifted flight -- but the value is calculated based on much lower commercial airfares. most startlingly, the 2008 economic stimulus act enables private jet buyers to take a "bonus depreciation." http://www.zcommunications.org/znet /viewarticle/18027 who's that girl...there are two economies: for most americans inflation, the falling value of housing and unemployment are greater realities that are being downplayed by official government statistics (ever optimistic lest they give wall street reason to panic) and the economy of the wealthiest 1% which is represented in this article. i wanted to show the contrast.

All that shows is that the gap between the middle class and the richest people is soaring.