How did the government bailout to the finance institutions help the economy? What good does it do to throw money back into these institutions, when people are unable/unwilling to apply for a loan for anything!

I know I’m not a "brainiac", but wouldn’t it have made more sense to give that money to the tax payer? Isn’t it ultimately the tax payer that effects the economy? If we aren’t spending, manufacturing slows down/stops [i.e., the auto industry, the trailer industries]; if we aren’t spending because we can’t get a loan [i.e., foreclosure, judgments], why give all that money to lending institutions that are not loaning it back out?

Does no one else see the cause and effect here?

You give money to lending institutions that aren’t circulating the money; you give money to GM and Ford to produce a product that people can’t purchase, because the lending institutions aren’t lending…

Help me out here! I’m not looking for a handout. I don’t need to be rich, nor do I want to be. All I want is to be able to pay my bills on time, have some tucked back for emergencies, and some available for other necessary expenses. I honestly believe that is what most American people want.

Wouldn’t it make more sense to put it out there where it’s going to actually stimulate the economy?

Most people I know [myself included] would:

A. Pay their mortgage to current, or pay it off, which would keep people in their homes and stimulate the lending institutions.

B. Pay off any other outstanding debt incurred from this crisis [such as credit card debt], because we couldn’t afford to fill the tank plus feed the family.

C. Pay cash for a more economic vehicle, no matter what the price of gas is doing at the time being. We’ve learned a lesson here. That would have circulated the monies for the auto industries.

I’m not in any way looking for a handout. I, just like all tax payers, am dealing with this crisis the best way I can, which is going without the things I do not need.

I just wish I could understand how the government can justify these bailouts, when, in actuality, it isn’t going to be effective one way or the other until the middle class feel comfortable enough to start spending.

Technorati Tags: auto industries, auto industry, bailout, cause and effect, credit card debt, economic vehicle, economy, emergencies, family c, finance institutions, ford, foreclosure, gm, judgments, lending institutions, monies, necessary expenses, quot, tax payer, tax payers

i had to file bankrupcy about a year ago due to medical bills. is it still possible to get a loan for a manufactured home now if i have some land and a down payment to put towards the loan.

Technorati Tags: manufactured home, medical bills

It is common knowledge that the super-rich of America’s corporate world avoid taxation by channelling their money into tax-empt foundations. David Allen Rivera gives us a clearer picture of what is going on in his book "Final Warning."

"According to Rep. Wright Patman, in a report to the 87th Congress, it is because of the existence of foundations, that "ONLY ONE-THIRD OF THE INCOME OF THE NATION IS ACTUALLY TAXED."

"Before 1900, there were only 18 foundations; from 1910-19, there were 76; during the 1920’s, 173; the 1930’s, 288; the 1940’s, 1,638; and during the 1950’s, there were 2,839 foundations."

"United Press International (UPI) reported on July 19, 1969, that the top 596 foundations had an INCOME THAT WAS TWICE THE NET EARNINGS OF THE COUNTRY’S 50 LARGEST COMMERCIAL BANKING INSTITUTIONS." (That’s correct. Read that last statement one more time.)

"The worst offenders in this racket are the openly Communist Rockefeller family. Among their major holdings are: Chase Manhattan Bank, American Telephone & Telegraph (AT & T), Eastman Kodak, IBM, General Electric, Texas Instruments, Xerox, Minnesota Mining and Manufacturing, Monsanto Chemical, Aluminum Co. of America (Alcoa), Armour, Bethlehem Steel, Chrysler, DuPont, General Motors, International Paper, Polaroid, Sears and Roebuck, Standard Oil of California (Chevron), Standard Oil of New York (Mobil), Standard Oil of Indiana, U.S. Steel, International Basic Economy Corp., International Harvester, Quaker Oats, Wheeling-Pittsburgh Steel, Itek, Federated Department Stores, Walgreen Stores, Transcontinental Gas Pipeline, Consolidated Edison, Anaconda Copper Co., General Foods, Pan American World Airways, Colgate-Palmolive, E. I. du Pont de Nemours, W. R. Grace, Inc., Corning Glass Works, Owens Corning Fiberglass, Cummins Engine, Hewlett-Packard, R. R. Donnelly and Son, Dow Chemical, Teledyne, Inc., Warner-Lambert, Westinghouse, International Telephone and Telegraph (IT & T), Motorola, S. S. Kresge, Texaco, National Cash Register, Avon, American Home Products, Delta Airlines, Braniff Airlines, Northwest Airlines, United Airlines, and Burlington Industries."

Yet they pay no taxes. The rationale of such scheisters is that foundations are devoted to philanthropic work. Here are examples of the causes endorsed by such foundations.

"The Rockefeller Foundation provided over ,000 to fund the Building America textbook series, which played up Marxism, and sought to destroy "traditional concepts of American government." Over 100 communist organizations contributed material, including the writings of over 50 communist writers. The California Legislature said that the books contained "purposely distorted references favoring Communism…" The Foundation contributed money to the pro-communist New School for Social Research in New York City, and funded projects for the communist-staffed Southern Christian Leadership Conference, led by Rev. Martin Luther King, Jr. Rep. Cox said that the Rockefeller Foundation has "been used to finance individuals and organizations whose business it has been to get communism into private and public schools of the country, to talk down to America, and play up Russia…" The Foundation also funded the Kinsey Report, which heralded a new era of sexual immorality."

"Final Warning" by David Allen Rivera, www.comingjudgement.250x.com (Free Online Edition)

SERIOUS REPLIES ONLY. INDIVIDUALS TROUBLED BY INSOLENCE AND VICIOUSNESS SHOULD MOVE ALONG.

Technorati Tags: bethlehem steel, chase manhattan bank, colgate palmolive, consolidated edison, cummins engine, david allen rivera, du pont de nemours, e i du pont de nemours, federated department stores, international harvester, monsanto chemical, pan american world airways, quaker oats, r r donnelly, rockefeller family, sears and roebuck, transcontinental gas pipeline, w r grace, wheeling pittsburgh steel, wright patman

they have manufacturing oil ,gas water land capital they could build track homes with new stores and everything the value of the peso would go up , hey new preisedente share it comes back you cant have supper rich and supper poor try it

Technorati Tags: oil gas water, water land

http://finance.yahoo.com/news/Senate-Dems-ax-bipartisan-apf-1596390151.html?x=0&sec=topStories&pos=7&asset=4d4681aea9b9f93a651930059a1fe45a&ccode=rd

The only economic entity that can create a job is DEMAND. Yes the federal government can artificially increase employment by literally throwing money into the system, but its meaningless to give employers incentives to manufacture a widget when no demand for widgets exist on the open market, meaning you cant put home builders back to work when theres almost no demand for new homes.

I agree with extending unemployment benefits, people need to eat and keep their families warm and dry. But the only real solution to hiring is for the federal government to cut Cap Gains taxes immediately for small business owners thereby putting more money into the pockets of the hiring backbone of this economy. Other than that, this bill is meaningless. Anyone agree or disagree?
DAVID I support cutting taxes as opposed to taxing this country into infinity. Americans have to start forcing the federal government to become less dependent on taxes in order to support their own bloated lifestyles, starting with the House. We need to turn our representatives back into public servants instead of promoting career politicians. However, if you support paying more taxes then I say feel free to pay my share of the increase.
MadMama yes youre correct to an extent, however your statement also proves my point because there is a DEMAND for highways to be repaired as opposed to ‘creating a highway’ simple because any given administration says a road nees to be built.
MikeO you obviously missed the meaning of this post and apparently thought it necessary to generate a personal attack instead. I’m a 46 year old architect, MU 87′, anytime you want to debate the economy or my educational background, email me (my guess is I’ll never hear from you again).

Technorati Tags: apf, backbone, career politicians, ccode, economic entity, economy other than that, educational background, extending unemployment benefits, finance yahoo, highways, home builders, new homes, personal attack, public servants, real solution, senate dems, small business owners, topstories, widget, widgets

I am searching for the answer to this but keep getting nowhere! Many sites do not post prices of home packages, ect. I know that land, clearing, poles, well septic and foundation go into this…but what is the cheapest way to go for the most space? NOT INCLUDING TRAILERS!… whats the cheapest way to go? We need at least a 4 bedroom- im thinking cape/saltbox style? Simple…with a garage! But what is the least expensive way to build new? Log home prices surprise me! Modular? Stick built? HELP! Trying to get a lot of home for a very little!
ALL OF THESE ARE THE WORST ANSWERS I HAVE EVER SEEN!

Technorati Tags: land clearing, log home prices, saltbox style, style simple, trailers

I am a new loan officer

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The American Automobile Association checks the prices of gasoline before many holiday weekends. Listed below are the self-service prices for a sample of 15 retail outlets during the May 2003 Memorial Day weekend in the Detroit, Michigan, area.
1.44 1.42 1.35 1.39 1.49 1.49 1.41 1.46
1.41 1.49 1.45 1.48 1.39 1.46 1.44
a. What is the arithmetic mean selling price?
b. What is the median selling price?
c. What is the modal selling price?

A survey of undergraduate students in the School of Business at Northern University revealed the following regarding the gender and majors of the students:
Major
Gender Accounting Management Finance Total
Male 100 150 50 300
Female 100 50 50 200
Total 200 200 100 500

a. What is the probability of selecting a female student?
b. What is the probability of selecting a finance or accounting major?
c. What is the probability of selecting a female or an accounting major? Which rule of addition did you apply?
d. Are gender and major independent? Why?
e. What is the probability of selecting an accounting major, given that the person selected is a male?
f. Suppose two students are selected randomly to attend a lunch with the president of the university. What is the probability that both of those selected are accounting majors?

A statistics exam was given. Explain the meaning of each z-value.
a. John’s z-score was −1.62.
b. Mary’s z-score was 0.50.
c. Zak’s z-score was 1.79.
d. Frieda’s z-score was 2.48.

In a certain manufacturing process, the diameter of holes drilled in a steel plate is a normally distributed random variable. The process standard deviation is known to be σ=0.005 cm. A sample of 15 plates shows a mean hole diameter of 2.475 cm.
Find the 95 percent confidence interval for μ.

The caffeine content of a cup of home-brewed coffee is a normally distributed random variable
with a mean of 115 mg with a standard deviation of 20 mg.
a. What is the probability that a randomly chosen cup of home-brewed coffee will have more than 130 mg of caffeine?
b. Less than 100 mg?
c. A very strong cup of tea has a caffeine content of 91 mg. What is the probability that a cup of coffee will have less caffeine than a very strong cup of tea?
(Data are from Popular Science 254, no. 5 [May 1999], p. 95.)

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Guillermo’s Furniture Store Scenario

While many people know that Sonora, Mexico is a beautiful vacation spot, it is also a large furniture manufacturing location in North America. Guillermo Navallez made furniture for years near his Sonoran home. The area had a good supply of timber for the variety of tables and chairs produced by his company. Labor was also relatively inexpensive. In addition, he priced his handcrafted products at a slight premium for the quality they represented. Overall, life was good for Guillermo.

All of that was true until late in the 1990s when two forces combined to cause a large dent in his business. First, a new competitor from overseas entered the furniture market. Using a high-tech approach, this foreign competition provided furniture to exact specifications and did so with rock-bottom prices. Second, the sleepy communities in Sonora woke up. One of the largest retailers in the nation’s headquarters was just a few miles down the road, and its influence had expanded considerably. With inexpensive housing, mild weather, beautiful scenery, un-congested roads, a new International Airport, and plenty of development, an influx of people and jobs raised the cost of labor substantially. Guillermo watched his profit margins shrink as prices fell and costs rose.

After doing some research on his competition to see how they are handling these changes, it is clear that many of them are consolidating into larger organizations by merger or acquisition. Being independent, Guillermo does not relish the idea of being acquired by a larger competitor and then retired as the new company squeezes every peso it could out of the overhead costs. Guillermo also is not looking to expand his management responsibilities by acquiring another organization either; that could affect his time with his family in ways that he will not enjoy.

Guillermo then spent some time looking at the foreign competition and their high-tech solution. Essentially, their production utilizes a computer controlled laser lathe to produce exact cuts in the wood. Highly automated, the plant in Norway uses very little labor as robots even perform the precise movement and assembly functions. The cost of the technology is immense, as is the reduction in the labor needed for production. In addition, the production can move between products quickly, and it runs on a 24-hour basis, as the shift-differentials are more than offset by the reduction in labor. Converting his production to this model would be expensive, but he saw how he could also decrease dramatically his production costs.

When talking to some of his distributors about their wants, he had another idea that appealed to him. A second competitor, currently operating only in Norway, has been looking for channels to distribute in North America. This second potential rival, however, did not operate furniture outlets favoring instead to rely on chain distributors. Perhaps Guillermo could coordinate his existing distributor network and essentially become a representative for this other manufacturer. While he may retain some of the high end custom work, he could move his company from primarily manufacturing to primarily distribution.

Guillermo also has a patented process for creating a coating for his furniture. In producing this product, the process first creates a common flame-retardant, and upon further processing, the coating is complete and stain resistant. There is market for the flame retardant, but not as much of a market for the finished coating. There is another product that Guillermo could buy to apply to his furniture as well that would add the same amount of value for the furniture.
# Read the Guillermo’s Furniture Store Scenario.
# Write no more than a 700-word paper explaining the finance concepts found in the readings and how they relate to the context of the scenario.

Technorati Tags: 1990s, acquisition, beautiful scenery, competitor, exact specifications, furniture market, furniture store, handcrafted products, high tech solution, influx, management responsibilities, merger, mild weather, north america, overhead costs, profit margins, rock bottom prices, sonora mexico, tables and chairs, vacation spot

I am trying to find a place to loan me 19,500 on a small percentage loan for a manufactured home .

Technorati Tags: manufactured home

I bought a car during a weekend only sale. 3k off the sales price. I use a credit card and they financed the rest. The amount I put down on credit card was the over amount they charged. I did not know it till I got home and did a kelly book check. Turns out the car was a manufacture mellon that was only 2 years old. It was nearly perfect but it had a air-condition leak that cased a hugh mold problem. They put the car on the lot with out dealer papers and say it was just traded in by an earlier customer. It still needed to be safe inspected and they would remove the stale smell at that time.

I was charged 22,000 dollars with interest on a Volkswagenn Passatt with only 52000 miles. They worked on it 2 times for the smell. The only way is to completetly remove all the interior carpet, seats, and cloth material. They disguised the smell with some spray which after one day returned so bad we had to have all the windows down just to breath. I ended bringing it back and paid 2 thousand dollars to get my old car back. I would have lost 8 thousand if i hadn’t. The kelly blue book is only 14k on a car in mint shape with same mileage. Also the car fact site showed the car had been in an accident and was sold in auction 6 months prior and no other sale.

The dealors use these mailings to force people to buy without knowing what is wrong. They say the car will sell with the next customer because of the 3k deal they offer with the mailing. Also the new electronics are soo bad they constantly are in the shop. Its a hugh scam!!!! The only way to buy one is to have a lap top computer that can get online at the dealorship at the time you look at the car. They move the cars to the next dealership so its not there after you have gone home to check the carfax.
So what people are saying is ..if a company employee can lie and cheat to get someone to buy there product its your fault because they have 50 years of experiance lieing to your being a honest person and wanting life to be fair. No wonder we are only a step away from a civil war.

Technorati Tags: 3k, air condition, auction, car fact, carfax, carpet, cloth material, honest person, kelly blue book, kelly book, lap top computer, lieing, mellon, mileage, mint shape, mold problem, new electronics, passatt, stale smell, thousand dollars

U.N. environmental consultant Rene Dubois might be horrified to see the phrase he coined in 1972 applied to the world’s largest retailer, the source of all evil for many so-called progressives these days.
And yet …
Dubois was suggesting that ecological awareness should begin at home, asking us to think about how our individual actions reverberate through the environment and culture even on a global scale. In the area of economics, there is nowhere this insight might better be applied than to the relationship between Wal-Mart shoppers and millions of Chinese peasants looking for a way out of grinding poverty.
Consider some numbers:
•From 1990 to 2002 more than 174 million people escaped poverty in China, about 1.2 million per month, according to the Asian Development Bank.
•Wal-Mart had an estimated billion in Chinese exports in 2005; perhaps 70 percent of Wal-Mart’s products are made by various manufacturers in China; in addition, Wal-Mart has 60 retail stores in China and directly employs about 30,000 Chinese.
•Extrapolating from these numbers, Wal-Mart might well be single-handedly responsible for bringing out of poverty about 460,000 Chinese per year, according to Industry Week magazine.
So, even without considering the 3 billion in consumer savings that Wal-Mart provides for low-income Americans, or the millions lifted out of poverty by Wal-Mart in other developing nations, it is unlikely that there is any single organization on the planet that alleviates poverty so effectively for so many people as Wal-Mart does in China. Moreover, insofar as China’s rapid manufacturing growth has been associated with a decline in its status as a global arms dealer, Wal-Mart has also done more than its share in contributing to global peace.
How can this be, given the vast and growing literature documenting Wal-Mart’s faults? We have seen workers in the factories of Wal-Mart’s suppliers complain on tape about being forced to work long hours under terrible conditions. Certainly no one should be forced at any workplace. And yet even articles documenting Wal-Mart’s faults often mention other facts that ought to be considered before coming to too quick a judgment concerning the overall impact of the corporation. In a Washington Post story titled "Chinese Workers Pay for Wal-Mart’s Low Prices," documenting abuses of workers at Wal-Mart suppliers in China, the authors point out that:
"China is the most populous country, with 1.3 billion people, most still poor enough to willingly move hundreds of miles from home for jobs that would be shunned by anyone with better prospects."
If we care about alleviating global poverty we need to take this fact seriously. Without Wal-Mart, about half a million of these people each year would be stuck in rural poverty that is, for most of them, far worse than sweatshop labor.
D. Gale Johnson, an economist who studied regional inequality within China, described the enormous disparity between urban and rural workers as "the great injustice." Urban workers earn about 2.5 times as much as rural workers. Even after counting the higher cost of living in urban areas, urban workers make about twice as much. Not surprisingly, massive numbers of people are moving to the city to work in factories. In 1990, 71 percent of China’s labor force was in agriculture, whereas by 2000 that percentage had dropped to 63 percent: This great migration represents roughly 100 million people leaving rural areas to earn, on average, twice as much as they had on the farm.
Other than economic growth, there is no way to double the salaries of 100 million people (and growing). After the 2004 Asian tsunami, more than one-third of Americans gave an aggregate of more than 0 million in charitable aid, an extraordinary outburst of giving by any standard. And yet there are more than 630 million rural Chinese remaining, many of whom are living on less than a dollar per day. While each would welcome a charitable dollar if we could get it to them, that charitable dollar, representing one good day’s worth of income, would not do them nearly as much good as would a job in the city paying twice as much day in, day out. Charity cannot take place on an adequate scale to solve global poverty.
Despite Jeff Sachs’ enthusiasm for foreign aid, Bill Easterly, in his book "White Man’s Burden: Why the West’s Efforts to Aid the Rest Have Done So Much Ill and So Little Good," makes a compelling case that government-to-government aid damages economies as often as it helps them. Does anyone think the World Bank raises more people out of poverty than does Wal-Mart?
What about social entrepreneurship? Ashoka, the highly regarded social entrepreneurship organization certified as among the "Best in America" charities, highlights among its hundreds of projects a worker’s cooperative in Brazil that is growing rapidly:
Each member contracts individually with Coopa-Roca, but the collective meets weekly. Membership in the cooperative grew from eight members in 1982 to 16 in 2000, and has surged to 70 steady members today.
Is it heroic to raise one person up out of poverty each month, but merely a statistic to raise up a million?
There is a thatched-ceiling to poverty alleviation through micro-finance. It may well be the case that the vast majority of Grameen Bank micro-entrepreneurs experience considerably greater pride and happiness in their work than do the factory workers hired by Wal-Mart suppliers. But most of these micro-entrepreneurs, who borrow less than 0 each and then repay the loan, do not experience as large an increase in standard of living as do those rural Chinese who move to urban areas and thereby earn an extra or so per day, 5 or so dollars per year. Poor, rural micro-entrepreneurs selling eggs to other poor rural peasants simply do not have access to the vast pipeline of wealth from the developed world.
Most of the sweatshop workers in Japan in the 1950s and ’60s, as well as the most of the sweatshop workers in Taiwan and South Korea in the 1970s and ’80s, are now middle-class retirees in developed nations. Likewise most of the "underpaid" Chinese workers of today will retire in a state of comfort and luxury unimaginable to them in their rural youth, as average Chinese wages will gradually rise just as they have risen in every other nation that has experienced long-term economic growth. At present rates of economic growth, China will reach a U.S. standard of living in 2031.
Paul Krugman, one of the most aggressively left-liberal economists writing today, understands how economic growth helps the poor. Writing for Slate in 1997, he said:
"These improvements … [are]the indirect and unintended result of the actions of soulless multinationals and rapacious local entrepreneurs, whose only concern was to take advantage of the profit opportunities offered by cheap labor. It is not an edifying spectacle; but no matter how base the motives of those involved, the result has been to move hundreds of millions of people from abject poverty to something still awful but nonetheless significantly better."
The Nobel laureate economist Robert Lucas once said, "Once you start thinking about economic growth, it is hard to think about anything else." Non-economists, especially those associated with the environmental movement, regard this as evidence that economics is a form of brain damage, a cancer on our Earth. But rural Chinese peasants surviving on less than a dollar per day do not regard economic growth, or Wal-Mart factory jobs, as a cancer. When a Mongolian student at a U.S. workshop on globalization heard U.S. college students denounce sweatshops, he shouted: "Please give us your sweatshops!"
An unreflective passion for social justice may be one of the biggest obstacles to creating peace and prosperity in the 21st century. While there are most certainly factory owners in China whom we would rightly regard as criminal in their treatment of their workers, it is important not to confuse these incidents with the phenomenon of globalization. It is a good thing that Wal-Mart is encouraging more humane standards in its suppliers’ factories.
And yet it is also important to remember that Wal-Mart’s "vast pipeline that gives non-U.S. companies direct access to the American market," as Charles Fishman, author of "The Wal-Mart You Don’t Know," described it, is a vast pipeline of prosperity for the hundreds of millions of rural Chinese whose lives are more difficult than we can imagine.
Act locally, think globally: Shop Wal-Mart.
1.How does the attitude of Chinese workers differ from the attitude of American workers toward Wal-Mart?
2.How has Wal-Mart lifted many Chinese out of poverty?
3.Why is Wal-Mart viewed as a cancer by the American Left but not by Chinese?
4.How would one imagine that Wal-Mart may help the Chinese military and result in creating a superpower out of this large developing country? Please give your opinion and why?

Technorati Tags: asian development bank, chinese exports, chinese peasants, decline, developing nations, dubois, ecological awareness, environmental consultant, factories, faults, global arms, global peace, global scale, insight, poverty in china, progressives, rapid manufacturing, retail stores, shoppers, wal mart

i know that when buying a regular home you typically cant but was just wondering if there is a chance you can with a trailer home?? thanks in advance!!!

Technorati Tags: home thanks, thanks in advance, trailer home

More than half the total Danish population, Denmark has a population of about 5,418,000,is employed with roughly 67 percent of the labor force working in the service sector and roughly 27 percent engaged in manufacturing, construction, and mining. It said on Microsoft Encarta Encyclopedia “Almost all Denmark’s electricity is produced in thermal plants using coal or petroleum products, though the use of coal has declined in the 1990s. Production in 1997 was 39.2 billion kilowatt-hours. There have also been efforts to develop renewable energy sources such as wind and solar power.” I wish that we had solar powered and wind powered electricity.

Among the universities in Denmark are Alborg University; Arhus University; the University of Copenhagen, the Royal Veterinary and Agricultural University; and the Technical University of Denmark. These are 7 of the 12. In the early 1990s some 360 folk high schools, agricultural schools, home economics schools, and other specialized high schools. Many of the schools are private, but the state contributes to their support.
In Denmark they have three main meals, breakfast, lunch, and dinner. For breakfast, the adults usually have coffee or tea and bread with jam or cheese, and the kids have milk with cereal products, like us. For lunch they have bread and butter with meat, or pig’s liver and lard in a spread able state. For dinner, also called middag, which is eaten in the early evening, they always try to eat a hot dinner at home with their family, that’s very important to most Danes. They also have another meal that is called Kaffeborde, which is like a tea time type thing in which they have a desert and tea.
The religion of Denmark is mostly Christian, but they also have other churches, nobody forces anybody to go to any church or even church at all. There are some people that believe in the Nordic religion. That is one of the religions that believe in many gods. Another prominent church in Denmark is the church of Denmark; this is run by an important political person and is practically run by state. Many citizens of Denmark are members of this church. That’s one difference between their country and ours, the separation of church and state.
The Danish currency is the krone, or crown, 6.60 kroner equal U.S. ; 1997 average. The National Bank of Denmark is the bank of issue and is the center of Danish finance, with head offices in Copenhagen.
Denmark has a temperate climate the average temperature in summer is about 61° F and in the winter the average temperature is about 33° F. Average annual rainfall is about 24 in. Compared to us the average annual temperature ranges from 51 degrees on the Pacific coast to 40 degrees in the northeast
In the writing of this paper, I learned many new things that I didn’t know before about a country that is in my heritage. I learned about Denmark’s Danish, currency, religion, Denmark meals, their jobs, and Universities in Denmark. I also learned that they speak Danish; many also speak German and French. Very few non-Danish people speak Danish, so almost all Danish international business people speak English as a second language. The reason that I choose this culture is because my moms and dads culture both are this and this was a great chance to find out about more about my heritage.

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I’m looking to buy a manufactured home in Michigan. The home is a foreclosure and the previous owner and title are nowhere to be found. The bank won’t offer financing without the original title. What options do I have?

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aren’t the salesmen at manufactured home sales centers really eager to sell you a home now?

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im a long time user on here, just dont post much

ok, i bought a 2005 honda civic si in november 2007, it had 15,000miles on it when i got it. it ran great till the end of this last may, when all of the sudden the car just bogged down and died while i was driving it only had just over 19,000 miles on it.
i had it towed to the honda dealershhip i bought it from the next day.
they waited 2 days before they even looked at the car, then after they decided they couldnt figure it out they called american honda to see if warrenty would cover it. turns out i was 6 months out of warrenty.
so the car sat there a couple more days and then they decided theyed do a certified used car warrenty for it instead of a manufacture warrenty.
they tore the engine down, and somehow water got in the engine and the whole thing was rusted out. the cams were almost non existent so it had been that way for quite awhile. they couldnt figure out how it happened.

they ordered in an entire new engine, it was supposed to take 2 days to get in, honda didnt even send it out till 5 days later so it took 2 weeks for it to get in. after the engine got in they put it in and it still wouldnt run. they said the fuel injecters were bad so they oredered that in and 2 weeks later the car was running.

that was the first time it was in the shop, alltogether it was just under 2 months of me not haveing a car.
6 days later the car does the same damn thing, they towed it to the shop. the starter was fried so they replaced that, it took a week.
they called me last thursday at 8:30 at night and said it was ready. starts up runs good, 4 miles down the road the car stalls and i have to push it into a parking lot. as im pushing the car smoke starts pouring out from under the hood, the bater and the starter literally burned out.

had it towed back that night, they replaced what broke and i got it back yesterday. today im comeing home from work and it stalls in the middle of an intersection and i almost got tboned by an f150.

iv called american honda to see if they could get me out of the finance and give me my money back. they said because its under a certified used car warrenty that they cant do anything and that all they will do is continue to fix it.
they have put 9k$ into this car to fix it and its only worth 12k.

iv tried to talk to lawyers but they all want me to pay up front before they even listen to what i have to say.

i really dont know what to do at this point. and im about to lose my job because i have no way to get there.

whats all your oppinions on this?

well i crashed it today, completely unintentionaly tho.
i was comeing up to a turn about 50mph and lost all power, no power steering or breaks and the motor stopped. i couldnt keep it on the road and hopped a 15" curb.
i dont think its enough for them to total it. it blew both right side tires, knocked the front bumper off and bent the right front rim. they havnt looked to see if there was any axle or frame damage yet because there concerned why it stopped.
my biggest concern thos is the airbags didnt deploy, i hit it had enough for them to come out. i busted my head open on the steering wheel because of it.

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