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I am doing ACCA and I plan to do SAP or Oracle Finance …. wil it be beneficial?
0I’m not in the field of IT, but plans to SAP or Oracle-related field of financial Wil it pays to do? I just want to just learn to work and not to a counselor …. can someone please give me some directivesThnksRéponse
by SAP Savvy
I do not know Oracle, but SAP FI / CO module would be there for you in the area of finances. I recommend that you read a book titled “SAP in 24 hours. There is a good introduction to the global SAP.Si what you are is a company that uses SAP and an end user of SAP looking to be used, it’s not all you have to take a course in non-SAP. your skills and knowledge of business functions would you get the job. Most employers train people, their systems soon after they set.
doing a credit check for a cell phone?
0Question : doing a credit check for a cell phone?
im 23 and currently have a pay as you go phone but am looking to get a pda. i know you need a contract which means you need to do a credit check.
my question is how do they do a credit check? i dont know if i even have any credit.. ive never had a credit card or anything under my name.. whats the process??
cell phone credit card processing
Best answer:
Answer by denzillion
You simply go in with your ID and your SSN number, they should be able to check the credit for you.
Don’t expect to know whats in the credit history, or credit score b/c cell phone companies system only comes with 2 possible answers – approved with no deposit OR approved with deposit.
If you don’t have any credit history, you most likely be putting nothing down. Its not like buying a car or house. Its just a phone service and they are not that strict.
Just be careful running at multiple places b/c everytime you run your credit, the points come off your score – may eventually come back as deposit otherwise may not.
Is it better to resolve debt using a debt counselor than doing it myself with the creditor?
2Question : Is it better to resolve debt using a debt counselor than doing it myself with the creditor?
I have never been late on credit card payments, as a result, I was given and have very high balances, and can no longer afford even minimum payments. I want to close all these accounts and see if I can negotiate a payment plan and minimize high interest rates.
My question is, am I better to resolve it with the credit card company direct, or use a debt counselor service?
PS: To complicate this situation, I got these credit cards using a ss# of my deceased father, which I know is wrong, and I know it is a crime, I just need to resolve it so it will quit causing me the severe financial problems and legal worries that I have (karma penalty perhaps, and I’ve asked for forgiveness). Thanks for your help or suggestion on how best to resolve the problem.
credit card debt forgiveness
Best answer:
Answer by Jane D
Initially, I would have told you that a credit counselor will be able to negotiate significantly smaller interest rates and payments for you, but in reading your entire question, I would advise you not to call any unnecessary attention to the situation, as what you have done is illegal, as you know. I’m afraid you’ve really painted yourself into a corner here. If you call the credit card companies, you may be forced to pose as your father if they are in his name. That could open a whole new can of worms. So, the best advice I can give you is to start with the account with the smallest balance and pay as much as you can on that to pay it off, while making the minimum payment on your other ones. After that one is paid, move on to the next biggest balance, and so on. Don’t close the accounts when they are paid off – this does more damage to your credit than leaving them open with a zero balance. It will take a lot of time, but be patient and you’ll get there. Good luck!
What can be done about an out of state credit consolidation company not doing their job?
21 year ago
by admin
in Scholarships
Question : What can be done about an out of state credit consolidation company not doing their job?
I have a friend whose husband was seriously injured and now mentally impaired. They have 200,000 in debt and they hired a California debt consolidation company who was supposed to stop creditor harassment. The company takes $ 200 out of her bank every month and yet she still recently got sued by a collection agency. The company promised her that they were contacting the collection agency, and yet it is documented that they did not. She is so scared and has signed a very indepth agreement with this company that she feels she will not be able to get out of. I don’t know where to direct her.
consolidation company
Best answer:
Answer by mommy2sam
This happened to my friend contact a lawyer immediately. She ended up having to file bankruptcy.
Can someone help me write a letter to the IRS regarding the doing an audit reconsideration?
51 year ago
by admin
in Accounting
Question : Can someone help me write a letter to the IRS regarding the doing an audit reconsideration?
We were being audited on our 2005 taxes. I asked for a couple of extensions in getting them all of the paperwork they asked for and I finally sent them everything by certified mail in the middle of March. I just got a letter from them stating they closed my case on April 3rd and they took out $ 6,900 out of this year’s tax return. They never even reviewed any of the paperwork I sent to them. I called the IRS and they told me to send a letter asking for an audit reconsideration. Does anyone have any suggestions for what to write?
ETA: The reason we were being audited was because we wrote off $ 29,000 in medical expenses that year. I have proof of all of the medical expenses. When they calculated the $ 6,900 we owe them, they were including all of our real estate taxes, property taxes, medical expenses and my husband’s work expenses. I have proof for every single thing they have asked for.
taxman- No they were asking for proof of that we paid the property taxes, real estate taxes and medical expenses. When they calculated the $ 6,900, they said they were “disallowing the deductions until the amount is verified as paid.” I did consult with my accountant and she told me that all I needed to do was provide them with the documents the IRS was asking for. I did provide them with all of that but they closed the case before they reviewed the paperwork.
I did not do anything dishonest or lie on our taxes. I have proof of everything and in fact, in reviewing all of the medical expenses I found an additional $ 2,000 in bills that we did not write off.
Also, we did not have any children that year so we did not have those deductions.
“Sometimes taxpayers are not clear as to what is a deductible medical expense. Just because the bill was paid does not mean you have a deduction. If the bill was paid by a third party, such as your health insurance, or another insurance company as from an automobile accident, you do not have a deduction. The only medical expenses you can deduct are those that you paid using after-tax dollars.”
All of the medical expenses that we wrote off were what we paid out of pocket after our health insurance paid. I verified on the IRS’s website that all of the medical bills were tax deductible.
irs audit letter
Best answer:
Answer by sully
Heres a publication on the process. http://www.irs.gov/pub/irs-pdf/p3598.pdf
In order to write the letter one would need to know the situation that is occurring and provide adequate documentation.
Who are the people on the stock market trading floor – what are they doing – what are those hand signals?
9Question : Who are the people on the stock market trading floor – what are they doing – what are those hand signals?
I see these people yelling at someone up on a balcony somewhere, yelling into a phone, making funny hand signals to someone – there are bunches of people there – I just wonder how the whole thing works! Who are they yelling at – who is on the balcony? Who are they making the hand signals to? What do they mean? What are they trying to do?
trading signals
Best answer:
Answer by Sara C
yell back I do
What is Scorpio Ex doing?
11 year ago
by admin
in Financial Management
Question : What is Scorpio Ex doing?
I am a cancer woman with Scorpio ex. We have been together every second of everyday for 2yrs now. Our breakup was angry, explosive and emotional.We didn’t speak for about a month an half. I recently had an emotional outburst and contacted him in anger recently after finding an Ad he posted online looking for a “friend”. He asked me to come for dinner and said that he didn’t want to speak via online or telephone. When I showed up, all of his roommates were excited to meet his “girlfriend”. I was caught off guard but rolled with the punches.
After about an hour he started asking me how and why I was living with my roommates and tearing apart all of these aspects of my life I felt were none of his concern. I got angry and asked him to back off. He apologized saying that he just wishes me the best and wants me to be happy.
We had a great night and against all reason allowed him in. I told him that I still loved him and he asked me to move back in. He said he didn’t want to say that he was in love because his heart was filled with fear that our relationship will go sour again. He didn’t say he loves me but he wants me to move in and date exclusively, he spends all night kissing my face and cuddling me, he planned for us to go to some financial seminar to learn to manage our finances better on Sunday, he rubs my feet,kisses my face and i am little confused. He said he just wants us to go “easy”and not have so many rules. When I asked him what that means he says he wants to date exclusively but not fight so much and learn to let things go. I’m hurt that he feels he cant say he loves me and I am scared to let him in again if he isn’t sure how he feels…I am at a loss…I don’t know what to do. I think hes worth picking up the pieces for but if he doesn’t feel the same way or cant say how he feels than I don’t want to waste more months to come…
financial planning seminar
Best answer:
Answer by nanalu :]
Ah :/ Scorpios. If he does’nt know what he wants and you’re confused i say you start over and let him go. It’ll take time but you’ll find someone who knows what they want.
But if you do love him and you want it to work give it another go, but it probably will hurt you much more this time. It hurt me more the second time around.
Go find yourself a Capricorn. 
Whats the diffence between processing payment via debit payment instead of doing it via direct debit?
1Question : Whats the diffence between processing payment via debit payment instead of doing it via direct debit?
I’m confused. Anyone know?
payment processing
Best answer:
Answer by Amy
Confused?! W.e….
Does anybody feel as crazy as I do about retirement planning and the downsizing they are doing at work?
2Question : Does anybody feel as crazy as I do about retirement planning and the downsizing they are doing at work?
I am really worried about retirement and my current job. I can’t say that I really care about financial planners. Are there any people who feel the same way. What is the solution? One financial planner told me that 2000 dollars today will only be worth 700 dollars in 20 years. Now that to me is scary. The ups and downs of the stock market make me awfully nervous. I get touchy when it comes to these financial planners but I get touchy when I think that I’ve got to have 85% of my income to retire too.
retirement planning
Best answer:
Answer by mini
I opted for early retirement 2 years ago. I began 40ik saving at its birth. I now live on the proceeds of my 401k only – I’m too young for social security.
I was surprised and delighted when I saw how much I was able to save in 20 years. I can live off my 401k for the rest of my life without even touching SS.
I cannot stress enough how beneficial it is to consistently save the maximum allowed. You will retire without worry.
BTW: I live on much less than 85% of my highest salary. You will be surprised at how little you actually need to live a good life. P.S. Try to own your own home as soon as possible – it helps.
