Questions answered by Mr Craig Brownell
(Expert Rank: 8710)  |
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Can children travel on their parents passports alone? |
| Question found in Tourism & Travel |
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| Each traveler must have their own passport, including infants. |
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What was the name of the famous pamphlet Charles Dickens wrote in to the rich people of England? |
| Question found in Literature In General |
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| Dickens published a pamphlet, "Sunday Under Three Heads", in 1836 in opposition to the Sabbath Observances Bill pending in Parliament. The Bill was rejected. |
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My husband and I have about $8,000.00 in credit card debt. The interest rates range from 18% to 22%. We have about $45,000 in a mutual fund for our retirement. The credit card payments are getting tight because I am laid off. We haven't been late yet and are considering taking $8,000 from the mutual fund, paying the cards off and cutting them up. I know we'll get slammed at tax time but our refund would cover the taxes on the withdrawal. Is this a good thing to do? |
| Question found in Banking & Finance |
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NO! Absolutely not! If you own your own home and have at least $8k in equity, you can open a second mortgage at a MUCH lower interest rate to pay off the credit cards. Your payments should be much lower and much more of your payment will be going towards the principal than simply making minimum payments on your credit cards. Additionally, your second mortgage interest will probably be tax-deductible when credit card interest is not. If you do not own your own home, consider borrowing against the retirement account as collateral (if assignable). Again, the interest will be lower than the credit cards, the payments will be easier to handle and more of your payments will be going towards the principal. Your retirement account will remain intact, continue to build and you won't have the tax burden as if you withdrew proceeds. Pay off and close most of the credit card accounts. Keep the "best" one (flexibility, interest rate, etc.) and use it for regular expenses such as gasoline and groceries. Pay off the balance EVERY month just as if paying cash for these items. If you pay within the 'grace' period, you will not even accrue interest on these purchases. This will help preserve your credit rating and keep a credit line open for emergencies. I just found your question, so I don't know how old it is. I hope this catches you in time to prevent a serious mistake. |
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LEGAL QUESTION:- The question I have is about discrimination and who it applies to in the work place. To try and explain my question I need to start with an example. If a female was employed in a particular position within a company, and had more experience and qualifications and had equal performance ratings than a male colleague with the same title doing the same job, and yet was paid £4000 - $5000 less than him, would this be seen as sexual discrimination? If the answer is yes, my question is what happens within the law if both parties in the example are male, is there any class of discrimination to cover this situation. If both males are middle age, white, heterosexual, and neither are disabled in any way. |
| Question found in Human Rights |
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The word discrimination has taken on baggage. Discrimination is not a bad thing. It simply means 'making a choice'. If you prefer chocolate ice cream over vanilla, that is discrimination. If someone in the next booth believes that you've engaged in some kind of racial judgment, that is insanity. You may or may not earn as much as your colleagues. You may or may not share sexual characteristics and/or orientations with your colleagues. Most employment is "at will". That is, you can quit or be fired for any or no reason (in most U.S. states). If you believe that you are the victim of illegal discrimination, prepare to present evidence that said discrimination was a violation of law. That is, your pay was less because of race, sex, religion, etc. You will have to make a CONVINCING case. Simple assertion is insufficient if the employer has reasonable grounds for their decision. You might be a total jerk. (Sorry, sometimes it needs to be said.) In other words, let's take an honest look at the situation and be careful we're not burning any bridges here. |
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I am 26. For 15 years my lower back hurts so bad I can barley walk I was told I had slight scoliosis as a child, right now I am in pain just sitting at my computer. |
| Question found in Chiropractic & Osteopathy |
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Sitting is one of the worst positions for your back. Find a responsible chiropractor or osteopath. A good orthopaedic doctor (M.D.) would be a good start as well. Unfortunately, the MD will probably start you on pain or relaxation meds while the "manipulators" will probably suggest something a little more natural and probably more inconvenient to your lifestyle. Take it all with a grain of salt. If the healer is concerned for your condition more than having you come back every other day, this would be a good sign. Chiropractic is valid, but not all practitioners are ethical. I went into my chiropractor's office and filled out the new patient forms on the chair while I kneeled in front of it. I left on my feet standing upright. Tread carefully. If it works, it works. Back troubles are the worst because there is no 100% cause or cure. |
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Someone has designated $625.00 to the church secretary, it was reviewed by a benevolence committee that there was an extreme need. Does she have to pay taxes on this since it was a genuine need? Or should that person have designated it to someone else in her family? |
| Question found in Taxes |
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Need is not a factor, the income is taxable. |
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I have either gotten into or a hold of something I'm allergic to or have hives or skeeter bites. What do I do to get rid of them? Help me please, I look Very polka dotted. I've tried calamine, but I'll be darned if I'll put it in my Throat!!! Heeelllllpppp!! |
| Question found in Health & Fitness In General |
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| A mild paste of ordinary meat tenderizer and water can offer some relief, |
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Can you cry underwater? |
| Question found in Miscellaneous |
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I haven't been scuba diving in years. However, the only two emotions I've ever experienced while under water are extreme exhilaration and unspeakable terror. There have been a few underwater excursions near "special beaches" that have brought tears to my eyes. Those would be the "extreme exhilaration" dives. I cried later. |
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I need to travel to Canada but will not fly. How can I get there from UK? |
| Question found in Tourism & Travel |
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If flying is right out, you have only cruise ships available. Transatlantic trains and automobiles being notoriously unreliable. |
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My father was born in Edinburgh and holds a British passport. Am I entitled to a British passport, and if so, what am I entitled to if I was living in England? specifically, would I be eligible for any benefits or study grants? |
| Question found in Adult Education |
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Your citizenship will determine which passport you may obtain. You are not entitled to a passport, you must meet the qualifications. Your other entitlements will depend upon your citizenship and other qualifications according to the individual specifications of each program. |
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