Your Questions About Free Money Grants
Sandy asks…
Where can I find free grant money?
I’m an inventor and need funding to get my inventions going.
Where can I find free grant money that I don’t have to pay back or give up the rights to my patents.
Grants.gov wasn’t helpful.
Pip answers:
Dream on. It doesn’t exist.
Donna asks…
Does anyone know how to get free government money (grants)??
ive seen the commercials on tv and im not sure if its o houx. does anyone know how to apply for free government money with out having to buy some cd or pay for some kind of membership? and do those cd things realy work??
Pip answers:
Yes, there are free grants out there from the government, but it is not as simple as the commercials make it seem. However, a person must meet certain criteria to be considered for them. For the average citizen, there is the FAFSA form, and it will give grant money to those who match certain family income and family savings within a certain range. There is other stuff out there, and I will list the places.
Linda asks…
are there any free grants outs there for women out of work who don’t have the money to buy a grant book?
It seems every search I do you have to buy a book or cd. If I had the money for that I wouldn’t be loking for free grants.
Pip answers:
There are NO grants just because for women out of work — but you can try to avail of various WELFARE programs that the government offers for unemployed people
The government is NOT in the business of giving away free money for the sake of giving away money. There are no grants for paying bills, no grants for paying off credit cards, no grants for getting out of debt and no grants for simply fattening your wallet.
Grants are free, but it means OBLIGATION. You will be obligated to do as the grant sets out to do. Grants have objectives, and your purpose must fit the objective of the grant.
For one, you have to write the grant application and the grant application is not a simple document – you have to explain how your purpose for applying for the grant fits well with the objectives set out by the grant.
There is a stringent review process through a committee. You will compete with other applicants for the grant money, and this grant review committee will evaluate the merits of each proposal. Only those that they feel exemplifies the objective of the grant will be approved.
You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.
Even if you buy books on “how to get grants” or list that supposedly has information on grants — all of them are mere rehash of what CFDA has, albeit packaged differently.
Note though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. Minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.
Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs
Betty asks…
Is there really free money out there we can apply for from the government?
Are there really ways to apply for free money or free grants from the government for personal use? If there are ways, where and how do we apply for this money? Are there online services for this type of thing?
Pip answers:
No, not for you. There may be millions in unclaimed tax refunds, unclaimed bank account, but none of that is “free” money from the government.
Sandra asks…
Do any one know how I can apply for a grant?
I want to appy for a personal grant.Free money grant without a cd disc.That stuff did not work for me.Do you know how I can without investing any money?
Pip answers:
There is no such thing as “personal grant” that these scammers and sellers of CDs would like you to believe. That’s a LIE
The government is NOT in the business of giving away free money for the sake of giving away money. There are no grants for paying bills, no grants for paying off credit cards, no grants for getting out of debt and no grants for simply fattening your wallet.
Grants are free, but it means OBLIGATION. You will be obligated to do as the grant sets out to do. Grants have objectives, and your purpose must fit the objective of the grant.
For one, you have to write the grant application and the grant application is not a simple document – you have to explain how your purpose for applying for the grant fits well with the objectives set out by the grant.
There is a stringent review process through a committee. You will compete with other applicants for the grant money, and this grant review committee will evaluate the merits of each proposal. Only those that they feel exemplifies the objective of the grant will be approved.
You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov – these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.
Even if you buy books on “how to get grants” or list that supposedly has information on grants — all of them are mere rehash of what CFDA has, albeit packaged differently.
Note though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. Minority business owners involved in transportation related contracts emanating from DOT – Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.
Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women’s Business Ownership Assistance that are given to those who will create women’s business center that will train women entrepreneurs
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Your Questions About Spending Money Wisely
Daniel asks…
If a person spends 100K on a liberal arts degree and is only qualified to work at Starbucks did?
He spend his money wisely or should he have saved it and bought a house or something else?
Pip answers:
He spent his money wisely, because there is no liberal arts degree that “only” qualifies you to work at Starbucks. Just Liberal Arts graduates who are too lazy and uninspired to use their degree to parlay it into a good job. My one friend who a B.S in Music is a bank manager, and the one with a B.S. In History is a police officer. Both of those jobs pay better than baristas.
The one person I know who is working at Starbucks is an executive, and making pretty good money. Most jobs could care less what your major was anyway, her degree is in art.
Then again, I think spending 100K on an undergraduate education is dumb… Because after you get some experience, most employers could care less if you want to expensive-private university or affordable-public university. Many of the large state universities are just as well respected anyway. Get your B.S, just spend 10K/year on it instead of 35K/year.
Then, go buy a bigger house, because you know you’ll be making twice as much as you will without your B.S.
Linda asks…
What do you worry most about regarding your money?
Are you more concerned with if you are spending your money wisely? Or do you worry about how best to invest your money? How about how to market and/or grow your business?
Pip answers:
I WORRY ABOUT HAVING MULTIBLE FLOWS OF INCOME, I OWN AND OPERATE 4 BUSINESS , AND TRY TO MAKE SURE THAT WHEN IM READY TO QUIT WORKING I CAN.
Lizzie asks…
How to shop for clothes on a budget ?
I don’t need stores , i just need like how you can do it ,
like certain ways to spend money wisely.
Without breaking the bank.
Pip answers:
Always go to different stores and look at the prices and buy things thats on sale buy wat u need not wat u want and use coupons like for macys or jcpenny its always worth it
Donna asks…
How can I stop being so mentally retarded?
I am mentally disabled and cannot form a sentence properly nor can I spend money wisely. I was born with severe mental disabilities and cannot find a way to stop them from getting in my way.
Pip answers:
Well Mr. Mentally Retarded you made perfect sense to me. You cannot be too bad off.
Michael asks…
How to convince my parents that I am able to take care of a camera?
I really want this one camera and I am going to pay for it by myself, but my parents don’t think I responsible enough for it. How can I convince them I am?
(I think i am very responsible because I have many things that I bought myself that are in perfect condition, I always take care of the things I have, I save/spend money wisely, I do my chores, etc.
Pip answers:
Frankly speakin you can’t (unless you are the lucky type who has those super parents from outer space). But what you can do is ask it as a birthday present or ask it after you top your class or something like that.
Parents generally think like this “was i that responsible when i was his/her age?”
And unless you went out and did a part time job trying to teach the students at MIT mathematics to earn that money your parents would at least like to know where the money went.
P.S – I was trying to be funny with the examples but the emotions behind them are the same.
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Your Questions About Joint Venture Agreement
Steven asks…
What is an MOU and how do you make it?
Our group was given a marketing final project! We have to show a logo on our advertisements of ‘team inquilab’.. So we require an MOU from the tshirt company we are getting our tshirts from… Can someone plz tell me how to make one or ,better yet, write an MOU b/w us and the tshirt company.
Pip answers:
Hi
A Memorandum of Understanding or MOU is put in place to establish a clear understanding of how the deal will practically function and each party’s role and compensation. Mr. Elliott explains in Joint Adventures, “In the Memorandum of Understanding, simply set out the details of the deal, what everyone agrees to do and how and when everyone gets paid, what percentage, do you add taxes, etc. “Robin agrees to pay Adam 20% of all income Robin receives in payment of speaking engagements, after the deduction of GST (General Sales Tax) as a result of business generated by Adam. Robin agrees to pay Adam this 20% commission by check by regular mail, within ten days of Robin’s receiving his payment.” Something that simple. By working with trusted people, you have fewer concerns about not being paid. Put it in writing to avoid future misunderstandings. Pay on time. If you agree to be paid or to pay on all future business transactions, make sure you specify how long this agreement will last for, what is expected from each party, etc.”
The MOU allows all involved to concretely see that they are agreeing to the same thing and to be a tangible reference to review should, heaven forbid, any troubles arise during the arrangement.
How do I Write a Memorandum of Understanding?
A question asked time and again of Robin J. Elliott is, “How do I write a Memorandum of Understanding?” Mr. Elliott will not get into specifics since each deal is vastly different and he will not give any form of legal advice. As shown above the MOU can be a simple statement e-mailed to the other party with a response saying they agree. In reality, you can make the Memorandum of Understanding as simple or complicated as is necessary for the Joint Venture and the comfort of those involved. Some want every detail and possibility ironed out ahead of time; others don’t. For those of you who want a more detailed Memorandum of Understanding, here is a list of aspects you could choose to include.
Jenny asks…
How many pharmaceutical companies are in Ireland?
Namely pharmagenetics companies that custom make drugs based on a persons DNA code.
Pip answers:
I hope the following comprehensive list, while perhaps more than you asked for, is helpful to you:
Allmarket (Ireland) Ltd – Allmarket (Ireland) Ltd. Is a specialised consultancy company offering a full range of services to companies operating in the pharmaceutical sector. The services range from joint ventures and licensing agreements to marketing support, and advice on local market conditions.
AstraZeneca Pharmaceuticals – Irish website of AstraZeneca PLC one of the worlds leading pharmaceutical companies with strong research, manufacturing and commercial skills.
Bayer Diagnostics now offers the broadest range of Pathology solutions to customers in the UK and Ireland.
At Clonmel Healthcare, our tradition is excellence. Since 1970, we have been at the leading edge in the manufacture of high quality, low cost branded pharmaceuticals for human use.
Elan Pharmaceuticals – Elan Pharmaceuticals discovers, develops and markets therapeutic products and diagnostic services for neurological disorders, acute care and pain management. It has over 200 scientists engaged in pharmaceutical drug discovery efforts.
Kenilworth Products – Kenilworth Products is internationally recognised as a world leader in pharmaceutical labelling. With a dedicated production unit in Ireland and sales offices in Paris, Madrid and the UK.
Nimbus Occupational – Professional drug and alcohol testing and screening in Ireland. B2B Diagnostic Kit Sales available.
Orbsen Consulting – Orbsen Consulting delivers premium services in the areas of supply chain, operations, strategy and systems to companies in the pharmaceutical, medical devices and technology sectors in both Europe and the US.
Regulatory Affairs Consultancy – Ivowen Limited is can provide expert advice on Regulatory Affairs and Project Management to the generic pharmaceutical industry. We provide regulatory, business development, drug development and project management support to pharmaceutical companies based in the European Union and in EU accession states on the successful development and timely registration of their products in the EU.
Roche Ireland – Roche Ireland is a subsidiary of Roche Corporation, one of the worlds leading healthcare companies. Located in Clarecastle in county Clare it manufactures active bulk pharamaceutical compounds and key intermediates
SteriPack Medical – Pharmaceutical & Medical Packaging & Services. SteriPack is an ISO 9002 and EN 46002 accredited medical services company specialising in medical products for medical device and pharmaceutical industries.
UniPhar Group Website – The UniPhar Group is Ireland’s only Independent Community Pharmacist Owned Wholesaling and Agency Group.
United Drug – United Drug is the third largest pharmaceutical wholesaler in the United Kingdom and the Republic of Ireland and would rank amonst the top ten in Europe.
Ruth asks…
Do more people drink pepsi or coke?
Do more people drink pepsi or coke??
Do more people drink pepsi or coke.
ps. im writing a paper for college for this.
Pip answers:
Overall, Coca-Cola continues to outsell Pepsi in almost all areas of the world. Saudi Arabia, Pakistan (Pepsi has been a dominant sponsor of the Pakistan cricket team since the 1990s), the Canadian provinces of Quebec and Prince Edward Island and the U.S. States of Michigan and South Carolina are the exceptions.
By most accounts, Coca-Cola was India’s leading soft drink until 1977 when it left India after a new government ordered The Coca-Cola Company to turn over its secret formula for Coke and dilute its stake in its Indian unit as required by the Foreign Exchange Regulation Act (FERA). In 1988, PepsiCo gained entry to India by creating a joint venture with the Punjab government-owned Punjab Agro Industrial Corporation (PAIC) and Voltas India Limited. This joint venture marketed and sold Lehar Pepsi until 1991 when the use of foreign brands was allowed; PepsiCo bought out its partners and ended the joint venture in 1994. In 1993, The Coca-Cola Company returned in pursuance of India’s Liberalization policy. In 2005, The Coca-Cola Company and PepsiCo together held 95% market share of soft-drink sales in India. Coca-Cola India’s market share was 52.5%.
Pepsi had long been the drink of Canadian Francophones and it continues to hold its dominance by relying on local Québécois celebrities (especially Claude Meunier, of La Petite Vie fame) to sell its product. “Pepsi” eventually became an offensive nickname for Francophones viewed as a lower class by Anglophones in the middle of the 20th century. The term is now used as an historical reference to French-English linguistic animosity (During the separatist debate surrounding the 1995 referendum, a pundit wrote, “And a wall will be erected along St-Laurent Boulevard [the traditional divide between French and English in Montréal] because some people were throwing Coke bottles one way and Pepsi bottles the other way”).[citation needed]
Comedian Dave Chappelle starred in ads for both Coca-Cola and Pepsi, an act which drew controversy. When referring to it in his show, Chappelle said, “I can’t even taste the difference: all I know is Pepsi’s paying more right now, so it tastes better.”
In the U.S., Pepsi’s total market share was about 31.7 percent in 2004, while Coke’s was about 43.1 percent.
In Russia, Pepsi once had a larger market share than Coke. However, Pepsi’s dominance in Russia was undercut as the Cold War ended. In 1972, Pepsico company struck a barter agreement with the then government of the Soviet Union, in which Pepsico was granted exportation and Western marketing rights to Stolichnaya vodka in exchange for importation and Soviet marketing of Pepsi-Cola. This exchange led to Pepsi-Cola being the first foreign product sanctioned for sale in the U.S.S.R.. When the Soviet Union fell apart, Pepsi was associated with the old Soviet system, and Coca Cola, just newly introduced to the Russian market in 1992, was associated with the new system. Thus, Coca-Cola rapidly captured a significant market share away from Pepsi that might otherwise have needed years to build up. By July 2005, Coca-Cola enjoyed a market share of 19.4 percent, followed by Pepsi with 13 percent.
In the same way that Coca Cola has become a cultural icon and its global spread has spawned words like “coca colonization”, Pepsi Cola and its relation to Russia has also turned it into an icon. In the early 1990s, the term, “Pepsi-stroika”, began appearing as a pun on “perestroika”, the reform policy of the Soviet Union under Mikhail Gorbachev. Critics viewed the policy as a lot of fizz without substance and as an attempt to usher in Western products in deals there with the old elites. Pepsi, as one of the first American products in the Soviet Union, became a symbol of the relationship and the Soviet policy.
I also suggest looking at the Harvard Business article, Cola Wars Continue: Coke vs. Pepsi in the Twenty-First Century , if you have access at college.
Lisa asks…
Where can i find a free heads of agreement template between 3 people going into business together?
Pip answers:
Try “joint ventures” at google.
Susan asks…
How Can i Get Maximum Traffic to my WEB site?
I am just launched my website
www.brinjy.com
It stuffed wih lots of fun and entertainments like
Find friends, Wishes, Blog, Issues-soln, Free Banner, Photo sharing, Tips Etc.
But now i wnt to incrs my trfic. Guide me HOW- with some good tips
Pip answers:
Hiya, Just had a look at your site and it’s pretty cool, lots going on. My first reaction is you need to optimize your images to load faster because I have 20meg broadband and it took over 5 seconds to load all the images. This is not going to help you get traffic but it will help you keep the traffic once it arrives.
Okay, to get traffic to your website you can do a number of things, the main one it on-site SEO. This is optimizing your website so it gets listed as high as possible in the free search engines for any particular keyword. Because your market is quite competitive it will take quite a lot of work to be listed high in google and the like. There are many great sites online that teach SEO as well as many other ways to get traffic for free, sites such as
http://searchenginewatch.com/
http://www.seomoz.org/
http://www.seobook.com/
http://www.justsearching.co.uk/
http://members.seo.com/
If you don’t mind paying for traffic you can start a Pay Per Click (PPC) advertising campaign, the above sites will also teach you how to do this. Basically, you will bid to pay a certain amount for every time someone clicks on your ad. The ad is placed in the right hand side of a google search results page.
There are literally 100′s of other ways to generate traffic. Paid and free! Here is a list of ways I would consider. I’d just like to point out, all the sites above will have free information on each of these techniques.
1. Incoming links from related websites
2. Ad in Signature of your forum posts.
3. Start a blog and post on many other related blobs with a link back
4. Use social media (Open a facebook, Twitter, Myspace account for your website)
5. Post links back to your website in other places like you have here at Yahoo! Answers
6. Upload videos about your site to as many video hosts you can such as YouTube.
7. One of the most powerful ways is to write between 10-20 articles about your site then post them in web 2.0 article directories such as Ezine Articles or Hub pages. Post the lot into one directory, then do the same with the next but you’ll need to make changes to the articles so their not duplicate content. Once you’ve posted an article make sure it has a link back to your site at the bottom. Also one of the most important things to make this work for you is to make sure that all the articles link to each-other as well as your site, especially linking to other directories. This will generate plenty of traffic and improve your Google page-rank to help you get listed higher in the search engines. Once you’ve done this, my advice would be to keep at it. Write at least one or two new articles a week and post them to the site to keep this working for you.
8. Post links to your site from bookmarking sites such as Digg or Delicious. The sites above will help you to really boost your Social Networking strategy
9. Email marketing, Find another website in your niche who is prepared to joint venture with you. Come up with some mutually beneficial agreement which would allow you to send an ad to all his or her email subscribers.
10. Ask people who register to tell a friend. Offer them some sort of incentive if they tell five Friends about your site. I always direct a subscriber to a ‘tell a friend form’ as soon as they’ve signed up.
Anyway this is only 10 ways off the top of my head, theres tons more, you just need to be creative and utilize all the sites you visit regularly.
Finally, I just want to stress, be careful if you decide to buy a traffic generating or SEO service from a company because although there are a lot of honest experts out there, there are also a lot of dishonest. A lot of these service providers claim to be able to guarantee number one search engine spots and many over outrageous claims. For you market it would be difficult and very time consuming to get your site listed high for the most popular search terms so what these companies would do is get you listed high for a long keyword phrase that’s probably useless with very few people searching. This is called a long tail optimization. Generally a long tail can be very effective when done correctly and incorporated with a strong all round SEO campaign but be warned this strategy allows these services so live up to there promise by giving you a high listing in useless territory.
If you use a bit of common sense and study the sites above you can realistically do you SEO yourself and find many other ways to pull in traffic temporarily until you start to get listed high in the search engine and get a reputation.
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Your Questions About Spending Money Quotes
Lizzie asks…
Why do i always spend money and never save it?
What can I do to stop me from always spending money on stuff I don’t need?
Pip answers:
Lack of self control.
Do some basic math calculations. How much money per year should you be saving to live at the same standard or better when you retire? That might scare you into saving. As for the stuff, take away the temptations. Don’t go into stores if you don’t need something. Make a list and stick to it. Don’t shop online unless you are specifically looking for something. Etc.
Also, keep this quote in mind. Ask yourself if that is what you are doing, and if so, why would you do that?
“We buy things we don’t need with money we don’t have to impress people we don’t like.”
Mark asks…
How much would it cost for 3 people to spend a weekend in New York City?
I’d be flying from Kansas to New York, so about how much would airfare be? Also, approximately how much is a hotel? (I’d probably only spend one or two nights in the hotel.) How much should I bring for spending money? (Mainly food, sightseeing, etc.) Any input is appreciated! Thanks!
Pip answers:
Airfare and accommodations vary greatly. Book early, and use an online agent, if you can. You’re better off getting quotes now at travel sites than relying on any price you’d get here. It is possible to find a place in Manhattan for $100 a night, if you hunt. If you want a first class place, it could run you five to ten times that easily, but some of the older hotels and inns sometimes go that low and have a lot of charm.
$100 a day for spending is a comfortable amount if you don’t get too hi-falutin’ with your dining. Sightseeing costs you nothing if you hoof it, or a few bucks if you go by subway. If you start taking taxis, or paying for observation decks and the like, you’d better make it $200.
I’m thinking per person. However, if that’s all you’ve got between you, you can still have fun in New York if you stick to walks in Central Park, hot dogs and pretzels for lunch, a ride on the Ferry (25 cents, the best value for anything in America), window shopping in the village, etc. New York can be as expensive as you wanna go. If you want cheap fun, New York can’t be beat, too.
Helen asks…
How do the hawks who support Obama’s war in Libya feel about this quote?
“Every gun that is made, every warship launched, every rocket fired signifies, in the final sense, a theft from those who hunger and are not fed, those who are cold and are not clothed. This world in arms is not spending money alone.”
-Dwight D. Eisenhower
How can you claim to care about people while you’re doing the exact things Eisenhower criticized?
Pip answers:
I am really glad you brought this up! Dwight D. Eisenhower was a real Republican, a man of honor, humility and caring. The world is upside down. We all need to look deep inside and decide what kind of world we want to live in and make it happen. If things keep going the way they are somebody should just push the red button.
John asks…
How much should a 2 week trip to Japan cost for two people?
Like comprehensive… including food, transportation, plane tickets, hotels, spending money etc etc
I’m doing a little math myself and it keeps coming up to about 10,000 with one week guided tour of south Japan and plane tickets. Does that seem right?
Pip answers:
The airfare quoted is about right, but you don’t have to spend the wildly high amounts for hotels and other things others quoted unless you want to. There are far less expensive budget accommodations if you want, and you can eat modestly for about USD13 each at an inexpensive restaurant, or for even less if you get a bento or groceries at a market.
But you don’t say where you are going, so there are a lot of variables. If you want to go all over the country, consider getting a JR Rail Pass before you arrive in Japan (see www.japanrailpass.net). Or you can get a regional JR Pass for certain areas after you arrive. And you can get a subway day pass for about 1000 yen in many major cities. And there are overnight buses between Tokyo and Osaka or Kyoto, for example.
A few cheaper places to stay are at
www.newkoyo.com
www.sakura-hotel.co.jp
www.shrek-watta-house.com
www.tamaryokan.com
www.tokyoryokan.com
www.jyh.or.jp/english/
www2.dango.ne.jp/kimi/ryokan.html
www.libertyhouse.gr.jp
www.juyoh.co.jp/
www.palace-japan.com/english/index.html
www.palacesidehotel.co.jp
www.o-e-h.com
www.Kyotojp.com
www.hotel-toyo.jp/
www.toyoko-inn.com/eng/
www.superhoteljapan.com/en/
In fact if you have never stayed in a Japanese inn (ryokan) before, I recommend it at least a night just for the experience.
As for shopping, that is solely up to you. You can spend a couple of dollars here and there for some small mementos, or go all out where the sky is the limit. Again, it’s up to you. But don’t believe all the scare stories that you need thousands and thousands of dollars – if you want somewhere to stay that is decent yet clean, you easily can.
See www.jnto.go.jp for a lot of tourist info.
Ruth asks…
what Can i do when a finance company does not offer a reasonable compensation quote?
our holiday was totally ruined when a well known finance company lost my partners passport and had sent it to a wrong address twice. my partner and child could not fly out with me and the rest of our family group till 3 days before we were due to fly back home.
the distress was unbelievable. epecially at the airport.
they have offered to pay for the holiday with a small amount of spending money ie £500 between 6 members of immediate family.
Pip answers:
Typical. Keep fighting and don’t accept what they are offering. Take it to the Ombudsman and see if they can get involved on your behalf or right to The Daily Express who have a ‘ripped off’ type page and maybe they can battle it for you. Get every conversation dated and timed and try and keep the conversation in note form.
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Your Questions About Making Money Quotes
Sharon asks…
What are some of your favorite quotes or sayings about the horse business?
I heard this one at a show this weekend. “It is not how much money you make when you sell a horse, but how much money you do not lose. Thought this was to funny! So let’s hear all of youre favorite quotes and sayings! Just a fun thing for today.
Pip answers:
“look back on our struggle for freedom, trace the present day’s strength to it’s source , and you will find that man’s pathway to Glory is strewn with the bones of a horse”
“The spirited horse which will of itself striev to win the race, will run more swiftly if encouraged”
“When your young and fall off a horse you may break bones. When you’re my age… You splatter” ~Roy Rogers on riding when he was older
Ken asks…
What are some quotes for the class of 2013?
We are making and selling shirts to earn money for stuco for our senior prom. What are some quotes we can put on our shirts? Thanks!
Pip answers:
“My motto – sans limites.” – Isadora Duncan
“Learn taciturnity and let that be your motto!” – Robert Burns
“My new motto is: When you’re through changing, you’re through.” – Martha Stewart
“I speak two languages, Body and English.” – Mae West
“Never, never, never, never give up.” – Winston Churchill
“Our new slogan is together.” – Ramel Bradley
“Impossible is Nothing” – Adidas
“I am more then a name
a number
a text
a slogan” – Loesje
Paul asks…
“Make money your god and it will plague you like the devil” Will this quote apply to future cricket?
Arsalan, not only BCCI, its also for those who put money before country…its pretty pervasive and includes many people from many countries.
Pip answers:
Hey never it may suit for ipl players never for indian cricket or future young cricketers
this will be one of topic of debat now adays
James asks…
What is the status of the music scene today? Money vs. Passion?
“So many times, it happens to fast. You trade your passion for glory.”
Well, the Rocky movies couldn’t have said it in better words. I think it applies to today’s music scene.
What is your opinion about the music scene today? Are artists making music for the money or are they actually doing it for the music?
Don’t make me quote South Park on this…
Pip answers:
Easy! Look at the caliber of the music to get your answer… 99% of it is garbage, and 1% is worth listening to.
Therefore – 99% selling out and making garbage music.
1% are still true to the music though.
The whole rap and hip hop boyband trendy emo punk metal sellout scene has just become sick. You need to turn your radio back to the 1960′s to find anything worth listening to.
Donna asks…
What is a program or a way to make money on the internet?
I need some ideas on making money with programs, or just ways. It has to be low budget.
Pip answers:
Here’s a response from OldBuddy:
[Quote]
I’m sure they’re not the only ones either, just the most popular. If you think about what they do it should be obvious to anyone who takes part in the rip off.
Oh I’m not saying they cheat the people who join, of course they wouldn’t do that! The scam is perpetrated against the poor advertiser that is offering a nice bonus for people to try their product or service. These are honest businessmen and women who are just trying to make an honest buck and are willing to give in order to receive.
So along comes CashCrate and TreasureTrooper to exploit them, just like Fagin in Oliver Twist. Instead of picking up street orphans to train as pickpockets, they find Internet Surfers and train them instead. They teach them to sign up for theses offers and just before they have to pay, cancel everything and bring the money back to CashCrate and TreasureTrooper so you can keep a share.
Who do you think is making all the MONEY???? Just like Fagin, they have everyone scrambling to get a piece of the ill gotten gains.
[Unquote]
Good luck!
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Your Questions About Joint Venture
Linda asks…
How do I go about having a joint venture with a major record company?
I have just set up my own indie label, and I was told that if I sell 20,000 records off my label then I will be able to do a joint venture with one of the major record companies. I know 20,000 sales of a record is a lot to ask for from an indie label, but nothing is impossible. How do I go about a joint venture? Thanks.
Pip answers:
To set up a joint venture; “Co-Release Agreement” or “Album Takeover Agreement”, you’ll need to hire a Music/Entertainment Attorney. You will not be able to negotiate this matter on your own. Your Attorney will need to request an application for distribution then submit it to the label’s legal department.
The legal department will then file the application and send a copy to business affairs for examination and consideration. If the label agrees to work with your label they will negotiate a deal. If the label negotiates a co-release, they will simply act as a distributor (in which they would take a distributors cut). If the label negotiates a takeover agreement, they will release the album on their own and pay your label a percentage of the royalties.
Most likely the label will go with a takeover agreement since your label probably doesn’t have the financial backing to finance a large scale release.
Carol asks…
How would I go about doing a joint venture with a major record company?
I own a indie label and I would like to get one of my bands onto a joint venture.
Pip answers:
Generally, when two labels work together, there is a primary label and a secondary. The primary label (YOU) is the label that actually has the Artist(s) under contract and the secondary label is given licensing from the primary label in order to share distribution, marketing responsibilities. Very rarely is there an agreement where an Artist is signed to two consecutive primary labels at the same time because it creates an opportunity for conflict.
As I mentioned in my last answer, as far as joint ventures go, you are looking at either a “Takeover Agreement” or a “Co-Release” which is basically a distribution deal, using the secondary label as a distributor.
A label will not sign an Artists to their label and allow you to keep them signed to yours as well. An Artist’s music can be licensed and shared, but the Artists themselves must be exclusive.
Lisa asks…
if Walmart sets up retail stores in India with 51% stake, is it always a joint venture?
I’m wondering if foreign retailers are allowed to buy up to 51% stake in a company, how many options are there for them? is joint venture possible? anything else?
Pip answers:
2 websites just $ 20: leopardcorporation.com and radioduff.jimdo.com
Amazing offer contact: info@tigerdraco.com
the 2 sites are first on Google (resalable also $100)
John asks…
What are the downsides (dsadvantages) of investing in new technology, is it a good business strategy?
Picture this scenario: As a future stategy for an airline company, they decide to invest in technology, say the installation of Tv units (or anything thing u can think about) in the back of every seats, or a joint venture with a more famous airline say Singapore airlines, where both airlines could work with each other and develop new technologies, new machinery, better service? Would those new strategy make sense in the external competitive environment? (i.e. what customers require, what competitors are doing, trends in the business environment)
Pip answers:
*What you have described would only make the ticket go up and customers would not like that. People have portable computers now to occupy themselves with while on long flights. *
Chris asks…
What would be your response to a natural occurrence’s sequences which is well known as disaster?
We have already passed one of the worst disaster in humanity. For many it would be obvious the reason of disaster. The next step is how to tackle this natural phenomena. There was excellent question about the significance of economy or environment. However base on our experience these two are joint venture. What is the next step?
Pip answers:
Preparedness must be made and tested.
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Your Questions About Computer Backup Services
Daniel asks…
What is the best FREE online backup service that holds a minimum of 2gb?
I used the one that is on google (google documents) but i filled it up and don’t want to make another email account
i don’t want things like dropbox that you have to download on your computer
i would like something that you can upload straight to the internet, but is free
Thanks in advance
Pip answers:
Dont trust that. Buy an external hard drive.
Steven asks…
What is a good online hard drive backup service?
I need to restore Windows Vista 64bit to factory settings on my computer and would like to save all 250GB+ of information on my drive. What is the best online had drive back up service? Money is not an issue
I have an external hard drive but unfortunately my USB port drives have been corrupted and are unreparable, hence my need for online backup
Pip answers:
Whoa, who cares about money, how many months do you have to do the uploading of 250GB, then the re-downloading of 250GB? You need to buy yourself a $59 500GB external hard drive, and it will only take you about 24 hours for each transfer, or ~48 hours total..
James asks…
Buying new computer-what do I need to do to prepare transferring old info to new computer?
How can I transfer my bookmarks? Online games? Do I use a free backup service for my old info? What is really important?
Pip answers:
Bom vc pode fazer o back-up por Pen drive ou CD .
Ken asks…
What is the best way to rescue data from an inaccessible hard drive?
The laptop was dropped and was unable to boot form windows. It gets as far as the loading screen, then automatically reboots. It was taken to my university’s computer department to be looked at. While they said there was nothing physically wrong with the hard drive, they opted to replace it (covered under the warranty). They provide a backup service for school data, but not for music and pictures (the later of which are irreplaceable and are the goal for this issue).
Now, because they went in to do the back up, I know it is possible to access files, meaning that the drive is not fired.
My first attempt was to use a linux os boot disk (specifically slax) and got it running, however it would not read any hard drive.
What is the best way to get the files off without going to a unnecessarily expensive computer repair store (as they always tend to be?)
Thanks!
Pip answers:
Take your laptop in to a local computer shop. It seems the smaller the shop, the bigger the nerds inside, and the lower the prices.
If you really want that data, you may need to pay.
Charles asks…
What is the best online backup service available?
What good options are there for backing up my computer “in the clouds” since I have a fear of my External Hard Drive going bad suddenly?
I’m backing up regularly to an External Hard Drive but have had previous experience with one going bad, so the online option is for added protection. Also need to be able to log on to the backup and access the files via another computer occasionally.
Pip answers:
Relying on external hard drive isn’t a good & reliable option to choose. However, cloud in this case would be an adequate consideration to look into. I would recommend you to google MyPCBackup or use the source link to get an idea what is more beneficial to you.
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Your Questions About Free Money Book
Maria asks…
Do any of those Mathew Lesko Free Money books actually work?
Ok, so I’m sure you’ve all seen the commercial with the guy in the suit with question marks on it telling you how you can get $10,000 to go bck to college, $5,000 to open a bakery, $2000 to get a haircut, etc. I was just curiuos if anyone has bought the book or got it from the library and if so does it work? I can’t imagine the book works great, obviously it would probably be like a million times harder than he says but I imagine some of the ideas might work?
Pip answers:
What he is selling is how to claim gov’t grants, etc. Like any program you have to meet certain requirements to get the $$. If you are after a biz loan then you have to qualify for the small biz admin. Which you can do on your own. I did buy one of his book, but it was vague on the “how to”. He may have improved by now. Try putting government loans/grants in search and see what you come up with. There is one company that has a full program of name, and how and where to apply for grants, however, you also need to get the grant writer because if you don’t know how to do this properly you will never get a grant.
Mark asks…
what ever happened to Matthew Lesko the fella whom had the government get free money books?
would really like to know where he has been hiding in todays world..should have bought his book..is he working on a new book perhaps..
Pip answers:
Actually he just released a new compendium of grants updated as of last year. He was running advertisements just before Christmas for it.
Ken asks…
Does that “Free Money” book by Kevin Trudeau really get you free large amounts of money or is it a scam?
Pip answers:
Its a scam….
If you might have escheat money ( abandoned accounts, paid off mortgage, etc etc) you dont need to pay that clown money for something you can do in 3 minutes yourself.. For FREE…
Betty asks…
is free money book legit?
Pip answers:
Yes it is.
Michael asks…
does anyone have the book ” free money they dont want you to know about ” by kevin trudeau?
and if so did it really work? and if it did can you give me the link in which the book says you go to get money from the government for free. please i really need to know the economy is really tuff now a days and im kinda getting desperate..
Pip answers:
Oh god. Did you get brainwashed by Obama or something? You can’t get free money from the goverment. Oh wait, We have obama so, YES WE CAN Get money from the goverment…..
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Your Questions About Money Problems
Sandra asks…
Why are money problems the leading cause of divorce?
A woman has another “save a marriage” baby which throws the couple’s finances into a loop. She thinks the baby will bring them closer together, but having to support another child and the accompanying stress doesn’t cross her mind?
Why do people continue to have kids if money is the leading cause of divorce?
Pip answers:
A result of the materialistic secularist outlook of most people ? – i.e., not being content to live within the means God has provided. (As opposed to sacrifice, morality, values) – ann btw, children are Not a cause of poverty. God said :
???? ?????????? ?????? ??? ??????? ????????? ?????????? ? ?????? ?????????? ???? ??????? ? ?????????????????? ?????????? ? ????? ?????????? ???????????? ????? ????????? ? ??????? ???????????? ???????????? ? ????? ?????????? ????????????
6:151. Say (O Muhammad): “Come, I will recite what your Lord has prohibited you from: Join not anything in worship with Him; be good and dutiful to your parents; kill not your children because of poverty – We provide sustenance for you and for them; come not near to Al-Fawâhish (shameful sins, illegal sexual intercourse, etc)…
Steven asks…
How can I get wealthy then move on with my life? Money problems suck the joy out of life!?
I’m so sick of worrying about money. I don’t want to live the rest of my life on a paper chase! How can I just make get tons of money and get done with it? I want to get wealthy and live life, happily ever after! Please help!
Pip answers:
Listen sir, no one here or elsewhere in the world will share money making tip with you. Probably if we are writing here we don’t have it either and looking for the same answers.
Generating wealth is cunning business, But best idea could do something that pull crowd, There is no money in technical, engg. And white collar business.
You know what to do.
Nancy asks…
Do you ever think of killing yourself to end money problems?
I do. I just feel like i’m never going to be able to live without it, and to earn it cost money too.
Pip answers:
No.
Sharon asks…
Are divorces usually/really the result of money problems or infidelity?
For example it’s hard to imagine a married person getting involved with another person in a serious way behind their spouse’s back (not just a one time fling though that of course is not right). Either excuse seems unlikely – if two people REALLY love each other would they divorce based on money? Would they really start up an affair with someone else (let’s say with a past lover to make it more realistic and not just a fling)? Any thoughts?
Pip answers:
I think that divorces are usually a result of two people who are not mature enough to understand sacrifice and compromise. Divorced people tend to need to be in control of everything in their lives and unwilling to give up some things to keep their partner happy.
Lisa asks…
Does having money problems cause stress on a relationship?
My fiance and i have money probs. Im in school so we only have one income. I do get some child support which is not much but it does help a lil. He does want me to finish school and i have a year left and things will get better but it just seems so stressful and we argue a lot right now and he just sys it just stress coming from the money sit. Is that true?
Pip answers:
OF course it’s true!
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Your Questions About Online Income Tax Calculator
Jenny asks…
Is there anyway for me to figure out what percent of taxes is taken off of a weekly paycheck in Maine?
I live in Maine, so any advice regarding my state would be great. Maybe a link to an online tax calculator? I can’t find the information on maine.gov, but if anyone else can please let me know 
.
Pip answers:
What you should do is look at how much tax was taken out of your check. I am assuming since you mentioned for Maine that you are talking about STATE taxes. Anyway take the amount of money they took out for state taxes and divide that by your gross (total not take home income). This should give you the percentage of taxes that they take out. Example: your gross income before anything is taken out of your paycheck is $3,000. The state of Maine takes $150 out for state taxes. So that would be $150/$3000=.05X100 equals a tax rate of 5%. I hope this answers your question.
Leslielinear@yahoo.com
Daniel asks…
Anyone know where I can get a income tax withholding calculator?
I think my employer is taking the wrong amount of taxes out of my paycheck. How can I figure out how much she should be taking out of each paycheck? I make $650 a week and claim 2.
Thanks, you guys are awesome!!!!
Pip answers:
Sue,
Here you go.
Http://www.breedlove-online.com/
Thomas asks…
How much will I get back in taxes or will I have to pay?
I am curious to know what an approx. refund will be. I claim zero dependants my total income before taxes last year was $31,564.19. I had some pre-tax dedcutions including retirement and health care. Federal taxes taken out where $3,122.95 and state deductions where $1,491.10. I do have seperate money in IRAs and money markets so I am not sure how that will play in. When I use an online calculator it says I owe, I have also put in my info from last year and it said I owed money. However last year I got a refund. So just curious if you have any idea.
Pip answers:
If you claimed zero all year and you claim 1 (yourself ) when you do your taxes i don’t think that you will have to pay, Because you had so much taken out of your pay all year they will owe you.
Nancy asks…
What would my average monthly percentage of income tax deduction be in Ontario, Canada?
What average percent would they take out of my paycheck per month if I I took a job there making between 30 to 50k/year. Also, what is the GST sales tax rate in Ontario, Canada? Is the healthcare good for a heart condition patient? Thanks for your opinion.
Pip answers:
GST is 6% across the country (except in HST provinces, where HST applies – Ontario is not an HST province). Ontario has a PST of 8% in addition to the GST.
The Ontario tax rates are as follows:
Federal tax rates for 2007 are:
15.5% on the first $37,178 of taxable income, +
22% on the next $37,179 of taxable income (on the portion of taxable income between $37,178 and $74,357), +
26% on the next $46,530 of taxable income (on the portion of taxable income between $74,357 and $120,887), +
29% of taxable income over $120,887.
Ontario 6.05% on the first $35,488 of taxable income, +
9.15% on the next $35,488, +
11.16% on the amount over $70,976
http://www.cra-arc.gc.ca/tax/individuals/faq/taxrates-e.html
For a better picture of your take home pay, try the online payroll calculator:
http://www.cra-arc.gc.ca/eservices/tax/business/pdoc-e.html
You’ll get a more accurate result yourself, because then you’ll use the correct TD1 figures.
Charles asks…
when is the start date for claiming daycare on taxes?
I just want to know the start date that we can file the daycare on income taxes
Pip answers:
You can file them right now in an office. The forms are in. They should also be ready online also.
Christine EA Master Tax Adviser
Check out my profile
This advice was prepared based on our understanding of the tax law in effect at the time it was written as sit applies to the facts that you have provided. Http://www.hrblock.com/taxes/tax_tips/index.html
http://www.hrblock.com/taxes/tax_calculators/index.html
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