Open Question: 1. Why did Morgan Stanley underinvest in information technology?

Morgan Stanley is a global financial services firm with more thank 600 offices is 30 countries and over 53,000 employees. It was founded in 1935 and is headquartered in New York City. The firm operates in four segments: Institutional Securities, Asset Management, Retail Brokerage, and Discover (which provides Discover Card services.) The firm acquired the Discover Card business as a result of its merger with retail brokerage Dean Witter Discover and Co. in 1997. The unification of Morgan Stanley and Dean Witter created a digital, cultural, and philosophical divide, which was extremely difficult to overcome. One of the business sectors to suffer the most below this arrangement has been Retail Brokerage, which manage $616 billions in client assets. Retail Brokerage provides comprehensive brokerage, investment, and financial services to individual investors globally, with 9.526 worldwide representatives in more than 500 retail locations, including 485 in the United States. Despite the merger, the Retail Brokerage group was never accepted as and equal partner by the relax of Morgan Stanley. Former Dean Witter employees have claimed they felt like disrespected outsiders after the merger. The feeling persisted and many retail brokers viewed their job security as tenuous at best. Moreover, Retail Brokerage was not well-integrated with the relax of the company. It ran on a different systems platform than the institutional brokerage side, and its employee systems were also much more antiquated than those at other parts of the company. Brokers had to visit their offices on weekends to print portfolio summaries in advance of client meetings, because the outdated computer systems could not handle the task during normal business hours. Even on those off-hours, desktop PCs, which hadn’t been upgraded in years, would often accident and printers clogged if they were being used by more than two applications that provided both real-time stock quotes and transaction histories. Some of the firm’s technology problems complained about the customer Web site and sparsely detailed year-end tax reports they received. Top brokers started to leave, taking with them the portfolios of numerous important clients. Profits specifically from Retail Brokerage dropped precipitously and margins lagged behind those of comparable brokerage firms. During this time, nearly 1,500 brokers left the company. Bill Doyle, and analyst with Forrester Research Inc., pointed out that the business was ailing partially as a result of a lack of investment in technology. When the stock market crashed in 2001, CEO Philip Purcel believed that the market’s comeback would happen slowly. He therefore focused hid business strategy on maximizing profits instead of generating revenue. The implementation of this strategy involved cutting costs. Each of Morgan Stanley’s divisions received less funding for their technology was obviously a low priority. Purcell, of course, had miscalculated. The market rebounded within a few years, and Morgan Stanley was not positioned to compete in retail. While his firm was watching its margins, Merrill Lunch was spending $1 billion on new systems for its brokers. The turmoil in the inner sanctum of Morgan Stanley’s leadership also contributed to the company’s woes. Purcell locked horns with investors, executives, and former executives over a number of issues, one of which was selling he underperforming Discover credit card division. Some investors even wanted Purcell to spin off the entire Dean witter part of the company. In March 2005, eight former executives appealed to Morgan Stanley’s board of directors to remove Purcell as CEO for his mismanagement of Discover and Retail Brokerage. The board determined that the best interest of the firm was served by keeping Purvell and divesting itself of its struggling divisions. The board also approved Purcell’s appointments of two executives who were considered loyal to him and the board. Protesting Purcell’s leadership, tow leading executives in the investment banking division resigned. More departures followed. Purcell’s critics now has even more ammunition with which to bring him down: in addition to mismanaging the struggling areas of the business. His actions had threatened the performance of the firm’s strength, investment banking. Purcell finally resigned in June 2005 unable to shake the claims that is solutions to the problems were lightweight rather than dramatic and far-reaching, and that his decisions were based on protecting his job rather than improving the firm. He was succeeded by John Mack, a former Morgan Stanley president who had left the company in 2001 as a result of a power struggle with Purcell. With new leadership in place. Morgan Stanley has finally begun to address the issue of technology in its Retail Brokerage division, which has been renamed the Global Wealth Management Group. In October 2005, the firm hired Eilean Murry as its head of Global Operations and Tech 1. Why did Morgan Stanley underinvest in information technology? 2. Why was the merger with Den Witter distruptive for the company? 3. Why was Dean Witter and Retail Brokerage a good place to increase spendign on information systems? 4. If you were James Gorman, the new head of Global Wealth Management Group, what information systems would you invest in? why? Do you think Morgan Sanley's plans for an integrated client information system are worthwhile? 5. Aside from new systems, what changes in management and organization are required to restore revenue and profit growth at the Global Wealth Management Group?

7 Mar 2010, 10:48 am | click here for answers

Open Question: Macbeth by shakesspeare? Best answer 10 points!?

LADY MACBETH 'They met me in the day of success: and I have learned by the perfectest report, they have more in them than mortal knowledge. When I burned in desire to question them further, they made themselves air, into which they vanished. Whiles I stood rapt in the wonder of it, came missives from the king, who every-hailed me 'Thane of Cawdor;' by which title, before, these weird sisters saluted me, and referred me to the coming on of time, with 'Hail, king that shalt be!' This have I thought good to deliver thee, my dearest partner of greatness, that thou mightst not lose the dues of rejoicing, by being ignorant of what greatness is promised thee. Lay it to thy heart, and farewell.' Glamis thou art, and Cawdor; and shalt be What thou art promised: yet do I fear thy nature; It is too full o' the milk of human kindness To catch the nearest way: thou wouldst be great; Art not without ambition, but without The illness should attend it: what thou wouldst highly, That wouldst thou holily; wouldst not play untrue, And yet wouldst wrongly win: thou'ldst have, great Glamis, That which cries 'Thus thou must do, if thou have it; And that which rather thou dost fear to do Than wishest should be undone.' Hie thee hither, That I may pour my spirits in thine ear; And chastise with the valour of my tongue every that impedes thee from the golden round, Which fate and metaphysical aid doth seem To have thee crown'd withal. Enter a Messenger What is your tidings? Messenger The king comes here to-night. LADY MACBETH Thou'rt mad to say it: Is not thy master with him? who, were't so, Would have inform'd for preparation. Messenger So please you, it is true: our thane is coming: One of my fellows had the speed of him, Who, almost dead for breath, had scarcely more Than would make up his message. LADY MACBETH Give him tending; He brings great news. leave Messenger The raven himself is hoarse That croaks the fatal entrance of Duncan below my battlements. arrive, you spirits That tend on mortal thoughts, unsex me here, And fill me from the crown to the toe top-full Of direst cruelty! make thick my blood; cease up the access and passage to remorse, That no compunctious visitings of nature Shake my fell purpose, nor keep peace between The effect and it! arrive to my lady's breasts, And take my milk for gall, you murdering ministers, Wherever in your sightless substances You wait on nature's mischief! arrive, thick night, And pall thee in the dunnest smoke of hell, That my keen knife look not the wound it makes, Nor heaven peep through the blanket of the dark, To sob 'Hold, hold!' Enter MACBETH Great Glamis! worthy Cawdor! Greater than both, by the every-hail hereafter! Thy letters have transported me beyond This ignorant gift, and I feel now The future in the instant. MACBETH My dearest adore, Duncan comes here to-night. LADY MACBETH And when goes hence? MACBETH To-morrow, as he purposes. LADY MACBETH O, never Shall sun that morrow look! Your face, my thane, is as a book where men May read odd matters. To beguile the time, Look like the time; bear welcome in your eye, Your hand, your tongue: look like the innocent blossom, But be the serpent below't. He that's coming Must be provided for: and you shall put This night's great business into my dispatch; Which shall to every our nights and days to arrive Give solely sovereign sway and masterdom. MACBETH We will talk further. LADY MACBETH Only look up clear; To alter favour ever is to fear: Leave every the relax to me. Can someone arrive up with a thematic or interpertive question from reading the act over of macbeth? CAN SOMEONE arrive UP WITH A THEMATIC OR interpertive QUESTION FROM READING THE ACT over OF MACBETH?

7 Mar 2010, 10:09 pm | click here for answers

Open Question: Excel: How to hide a Sheet based on Cell Value?

I have an Excel workbook with 3 sheets. I am trying to make Sheet 3 become hidden, unless Cell C9 on Sheet 2 equals a certain value. Just to word it a little differently, C9 on Sheet 2 is a drop-down list of business partners. I only want Sheet 3 to be available when C9 matches 1 specific business partner (we can call it "XYZ"). I assume I need a macro to do this, but I am not familiar with VBA and would appreciate some help. Thank you. john... That is giving me a "Compile mistake: Invalid Outside Procedure". I created a new macro and pasted your code between the Sub Macro and End Sub code. I changed every of the Sheet names to match the actual names. I don't know if any of that, or something else is wrong, but it isn't working.

8 Mar 2010, 4:05 pm | click here for answers

Voting Question: im looking for a partner to lease a small blues club in nashville tn?

nashvegas blues club ! im looking to lease a tiny blues club in nashville tn, its a turn key business and its in a great location with loads of parking, full kitchen and liquor allow, need help now !

5 Mar 2010, 12:40 am | click here for answers

Open Question: Why use age of consent and anti child porn laws to abuse those they were meant to protect?

Why use age of consent and anti child porn laws to abuse those they were meant to protect? The original age of consent laws were ONLY meant to cease to things ARRANGED MARRIAGES FOR the PARENTS BENEFIT As girls were married off to richer families or part of political (ie princess) or business deals Whig is what every the no sex before marriage virginity nonsense was about ie people did not want their new paid for product to have been used as cared nothing for the girl. And to put a cover on child prostitution. THESE LAWS WERE NEVER MEANT TO PROSECUTED TEENS DATING TEENS OR glad COUPLES BETWEEN A tardy TEEN AND SOMEONE IN EARLY 20S. As these are glad couples no force or abuse. Likewise the Anti child porn laws ie Megan's law were written before the internet and phone s advanced to make sexting practical. These laws were intended to prevent FORCED ABUSE WHERE THE YOUNGER ONE HAD NO SAY AND COULD NOT STP THINGS HAPPENING TO THEM THEY WERE NOT READY FOR. Again even the Megan Mum said they were never intended to be used to arrestteenagerss for flirty sexy photo sending asthat'ss part of falling in adore. If those involved are glad for it to occur there is no crime as no abuse. So when they is nobody stopping thecorruptionn of the Original Spirit of these rules and laws to abuse and ruin lives of those they were meant to protect from abuse and hurt? As surely this makes the police, prosecution, the judges paedophiles and abusers as they are the only ones forcing unwanted Sexual activity and violence forcing teens into jail cells wirapistssts and thugs. Nobody else the boy or girlfriends are not . The sexter and those say aged 19 and 15 are not doing anything their partner does not want so where is the problem and these laws meant to protect to hurt kids instead. Doing stuff earlier then you shushould a minor problem having people arrested, jailed, raped and battered and destroying education, career and social development is what harms the most. Surely only muggers, rapists, abusers, thugs should be in prision not those who siprisonll in adore. And why dont the victims the young couple's friends not storm police stations or principles offices for attacking a couple to wipe out every who are there and free their friends from the bad kiddie abuser authourities making an an example such abusers to prevent more abuse happening? . ********************* can the next poster be more inteligent then the first 3 and read it properly that way you understand it its saying why are laws meant to protect teens from hurt used to hurt them when they have not hurt anyone. Ie the anti child porn laws were meant to stup fully mature adults from raping kids in videos or setting them up for it . They were not meant to prosecut teengers for sending sexy photos so the receiver would want to make out. Likewise the age of concent laws where meant to cease arranged marriages and child prostituion so why use them to arrest teen couples for statutory rape? its defeating the purpose ******************* Quote My best guess is that teens receive in trouble for that encase a child pornist gets a hold of the picture. No they usually don't Its a case of just as those in the photo are below whatever age of concent or being in nude photos its considered child po**whihc implies those taking the photo had malcious intent. But where is the intent when the one taking the photo was the person in the photo so they cant vcitimise themself and certainly not abusing themselves any more then somne looking in the mirror undressed and nobody is being abused when they want their partner to look them that way and want their partner to act by getting touchy and kissy and having sexaul thoughts about them as glad to be with them and doing making adore activities or more lilely just making out as not ready. As said there is no logic as no victim in either case ********************** So chilly I am pointing out there is a difference between somone videoing naked kids and people doing sexsul things to them. And those couples taking naked of underwear shots of themselves to send to their loved ones as a treat and keep them interested into wanting to make out as a form of flirting ************ Hailey quote well, i for one, think you are using too many big words. quit polluting our section with your dumbass questions. Well clearly the question is not dumb if using big complex words those of your intellect are not smart enugh to understand. But those posting nonsense like cant be bothered to read are. One poster got it so why not the relax of you? You just need to read it properly and think

7 Mar 2010, 8:00 am | click here for answers

Open Question: FEMALE TAURUS/ARIES CUSP AND A VIRGO MALE FRIENDS WITH BENEFITS?

I'm a female Taurus/Aries cusp and have a male Libra as a best pal...My pal and I dated awhile over 15yrs ago and stopped dating to become business partners.....Our friendship grew very strong as friends and we share a lot about our previous relationships....I know this guy mess with other women and and how he feels about them.....We have never tried anything after we made an agreement to become business partners.....About 2weeks ago we were hanging out and went back to his place and I stayed every night..We had relations and it was great...We both didn't say anything about what happened and I thought about it every week...A week passed and he brought it up and acted like he didn't know if we had did anything or not....I told him yes we did something and he responded back asking me was he good or not....I kinda of talked around it....The next week I stayed over his home every weekend with my boys and his sister and we played games and had more relations.....I don't know what to do because I know his charter and don't want to assume more than what it is....How do I cease this and keep our friendship.......PLEASE HELP....

8 Mar 2010, 10:42 am | click here for answers

Open Question: Do we have the right to know what companies that the company we work for is partnered with?

If we work for a corporation/company, and they do business with several other companies and their subsidiaries, do we have the right to know who they are doing business with, or are we entitled to a list of them? If so, please give me your sources. If not, then how do I go about getting a list of companies that the corporation I work for does business with?

7 Mar 2010, 8:16 pm | click here for answers

Open Question: Have you read this open letter to U.S President Barack Hussein Obama?

>> Verified by Snopes >> >> A LETTER FROM A PROCTER AND GAMBLE EXECUTIVE TO THE PRESIDENT >> THE LAST SENTENCE IS THE MOST CHILLING >> >> Lou Pritchett is one of corporate America 's true living legends - an > acclaimed author, dynamic teacher and one of the world's highest rated > speakers. Successful corporate executives everywhere recognize him as the > foremost leader in change management.. Lou changed the way America does > business by creating an audacious concept that came to be known as > "partnering." Pritchett rose from soap salesman to Vice-President, Sales > and > Customer Development for Procter and Gamble and over the course of 36 > years, > made corporate history. >> >> >> >> AN OPEN LETTER TO PRESIDENT OBAMA >> >> Dear President Obama: >> >> You are the thirteenth President below whom I have lived and unlike any >> of > the others, you truly scare me. >> >> You scare me because after months of exposure, I know nothing about you. >> >> You scare me because I do not know how you paid for your expensive Ivy > League education and your upscale lifestyle and housing with no visible > signs of support. >> >> You scare me because you did not spend the formative years of youth > growing up in America and culturally you are not an American. >> >> You scare me because you have never run a company or met a payroll. >> >> You scare me because you have never had military experience, thus don't > understand it at its core.. >> >> You scare me because you lack humility and 'class', always blaming >> others. > >> >> You scare me because for over half your life you have aligned yourself > with radical extremists who hate America and you refuse to publicly > denounce > these radicals who wish to look America fail. >> >> You scare me because you are a cheerleader for the 'blame America' crowd > and deliver this message abroad. >> >> You scare me because you want to change America to a European style > country where the government sector dominates instead of the private > sector. > >> >> You scare me because you want to replace our health care system with a > government controlled one. >> >> You scare me because you prefer 'wind mills' to responsibly capitalizing > on our possess vast oil, coal and shale reserves. >> >> You scare me because you want to kill the American capitalist goose that > lays the golden egg which provides the highest standard of living in the > world. >> >> You scare me because you have begun to use 'extortion' tactics against > certain banks and corporations. >> >> You scare me because your possess political party shrinks from challenging >> you > on your wild and irresponsible spending proposals. >> >> You scare me because you will not openly hear to or even consider > opposing points of view from intelligent people. >> >> You scare me because you falsely believe that you are both omnipotent and > omniscient. >> >> You scare me because the media gives you a free pass on everything you >> do. > >> >> You scare me because you demonize and want to silence the Limbaughs, > Hannitys, O'Relllys and Becks who offer opposing, conservative points of > view. >> >> You scare me because you prefer controlling over governing. >> >> Finally, you scare me because if you serve a second term I will probably > not feel safe in writing a similar letter in 8 years. >> >> Lou Pritchett

9 Mar 2010, 10:18 am | click here for answers

Open Question: what happens (legaly) if my husband is having an affair with a married woman and she's pregnant (with him)?

I want to file for divorce, I live in VA but i dont know what is really going to happen, we are still living below the same roof also we are partners in 3 different bussiness, the other lady is pregnant with him, she is still married but separated due to the affair, she has 3 kids and no job, my husband is using the money from our business and personal accounts to pay every her expenses and Me and my daughter(she's 17 and going to college soon if possible) have a year without receive anything from him exept for mortage payments. I've worked for and with him for the past 20 years. What is going to happen when I file for divorce??

9 Mar 2010, 3:31 pm | click here for answers

Voting Question: I feel like I'm emotionally drained... unappreciated... and just need some answers? :(?

I feel like my life runs around in circles. A few months ago, I felt my life couldn't better, and today, I feel just flat out unhappy and emotional! I've been slowly slipping from my "glad life" into this, "it could be better" state of mind. I know my life isn't perfect, nor does anyone have the perfect life, but I certainly am not difficult done by in any way shape or form. For example I woke up this morning seriously upset with my boyfriend because the "lack of cuddling and affection" I receive from him. It is true, it's very lacking in our relationship, and perhaps it's just building up? I've told him over and over again it hurts my feelings and makes me feel unappreciated and he tries to tell me it's because he is working difficult to become a business owner and a lot of his energy is spent in the field and when he gets home he just wants to relax and go to snooze. I still don't look how this justifies not being affectionate? I remember when I couldn't keep my hands off him and now I feel like I should wait for him to make the move to be affectionate and it never happens. Our sex life is dull, and the frustration only builds up over time, I need more attention. He even had the audacity to tell me this morning in my "melt down" (through text mind you) that his work has to be first priority in order for him and (us) to be successful. I did NOT want to hear that "work" is a first priority! I feel like I'm the emotional rock in our relationship and my soul purpose is to please people and my partner left right and centre, and I don't feel the same back... EVER! I just feel worn out and that I want to give up on everyone, including myself. I know it sounds "depressing" and stupid, but that's just how I feel about everything right now, I'm not saying it's right.... but my emotions try to "justify" it. So my bf said "We will talk about it tonight and I will cuddle and kiss you every you want" and I STILL feel in my heart, "it wont be good enough" or that he says it now, and when he gets home it will be a different story. GAW!!!! What do I do? I need to be more rational about this and I just feel sooooo worn out. Please give me some advice, I know this sounds silly but I really need some answers :(

4 Mar 2010, 10:48 am | click here for answers

Open Question: I WANNA TELL THE WORLD!!!!!?

I am so excited had to tell some one! My big sis is my best pal and she was my roommate in college, and she has been my business partner for the past 2 years. She hasn't had her period for 6 years and she has been told she could never have kids...that of course has broken her heart for years...but today...we just found out and hour ago that she is 8 weeks pregnant!!!! I have never seen her so glad! I can't tell any one yet so I wanted tell the entire world how glad we are!!!!!! adore you sis! it's amazing how miracles can happen :)

9 Mar 2010, 3:16 pm | click here for answers

Open Question: Simple Econ Help, Aggregate, easy ten points!?

which is effected by each situation, Aggergate Suply, or Aggregate Demand, why, and would the price level, Realg GDP, and Enemployment go up or down? and if you can explain why that would be amazingly helpful as well Whoever can answer the most will receive the best answer, i have an idea for must of them i just tend to second guess myself a lot and it would be helpful to have a second opinion 2. U.S. dollar's international value decreases significantly 3. Deutschland, a major trading partner, sinks into a severe recession 4. Firms finally figure out how to effectively use computers 5. The government passes and enforces new, strict emission controls on business. 6. There is a sudden increase in the price of crude oil 7. Schools graduate more literate students than previously 8. Last year's Planned Investment pays off in increased potential this year 9. Healthier American workers have fewer sick days, making them more productive 10. Fear of job terminations make workers pessimistic 11. Stock market sars, real wealth grows

9 Mar 2010, 7:43 am | click here for answers

Voting Question: In a cooperative, members/customers:?

A.) democratically control their businesses by electing a board of directors. B.) are known as limited partners. C.) each have unlimited liability for the debts of the firm. D.) take turns serving on the board that manages the company. Please and thank you.

4 Mar 2010, 4:43 pm | click here for answers

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Resolved Question: How should I talk to this girl?

So, there's this pretty girl in my business class, she looks like your average stuck up preppy girl. Well she was my partner in Business class, and after talking for awhile, I was definitely wrong judging her off looks. She's pretty, smart, and basically has the personality I've been looking for. It seems like she enjoys talking with me about her personal life, and other things "Good Friends" would talk about, and I met her about 4 days ago. Since she is so comfortable with me, I've been thinking about asking her out, because she said she was single, and has been for awhile, looking for the right person. How should I approach her about this subject? I kinda feel like going by looks she is a bit higher than me, but it seems like our personalities match up perfectly. Any help would be appreciated. Here is a picture of me http://photos-d.ak.fbcdn.net/hphotos-ak-snc3/hs035.snc3/12310_106215956064773_100000291075079_161287_2289192_s.jpg And here is a picture of her http://photos-a.ak.fbcdn.net/hphotos-ak-snc1/hs172.snc1/6455_112921702969_511717969_2164694_2269844_s.jpg would we look good together?

6 Mar 2010, 1:16 am | click here for answers

Voting Question: A false bad review of my business was written. I'm pretty sure I know who did it. Is there anyway to prove it?

The review was written on City Search and it can also be seen on Google Maps. I'm 99% sure that the person who wrote it is my former business partner. We parted on terrible terms and I think he is trying to ruin my reputation. I don't want to involve my attorney at this point. If I file a complaint with City Search, will they provide my with an IP address or name? Or is there a way to find out who did this on my possess?

5 Mar 2010, 12:34 pm | click here for answers

Open Question: Why do women feel the need to put their foot on a mans possessions?

I have a box, or chest if you like, thats locked and tucked in the corner of my living room. I also have multiple female friends most of which are happily partnered with other male friends. The dudes asks whats in the box, I tell them nothing and thats that, they go on about their business! But the women, oh no, they want to pick with the lock, ask question and every around pester me about the contents of the box. THERE IS NOTHING IN THE FAWKING BOX! I dont open it up to show them because I dont have the key.It was passed down to me from generations of old men. Anyway, even though its tucked outta the way in an inconvenient spot for comfort nevertheless if I leave the room and return later..yep..there is a lady ,talking noisy with her foot on my chest! Its frustrating. I don't want to be rude and abrasively admonish them but.. .What is the psychology behind this?

7 Mar 2010, 11:14 am | click here for answers

Open Question: Dreamed about wolves in sheeps clothing and kept thinking about false christs, what does this mean?

I had two prophets warn me to be weary of untrue christians who would deceive me... or as Jesus would call them "untrue christs" And then I dreamt that I was back in school (I keep dreaming that I'm back in highschoo) it was an adult night class. There was this very intelligent, successful, humble doctor that everybody liked and respected taking a class there... he had a 98% overall average in highschool and epitomized moral goodness and virtue... He was wearing a business suit the same type of uniform he always wears to church... and in my dream... I was taking on his body, and controlling his mind... that is in my dream... I was a man (in real life I am a lady) We were working on a tardy night project, something artistic and related to making art forms... One was a wreath which I made in class on the day it was due and succeeded in (while everyone else took their wreiths home with them) the other assignment we made was an octagon / pentagon, where we were supposed to draw and add certain things to it... I made the second on on time as well even though I was tardy... and my partner was worried I would not receive it down. Then as we were at class tardy night, some guy who reminds me of a former drug dealing pal that I had who had the hots for me 2 years ago... (a very ugly, needy, agressive heathen guy that had no religious belief and slept with any thing with two legs) Well he came to our school and told us that he had something to tell us... I asked what it was about and he said he wanted revenge... I got an eery, uncomfortable, feeling that a murder or something horrible was about to take place so I left the school, and drove off. Well I was trying to escape this guy, he brought some of his friends along who were also looking for revenge. I learned over time that he likes to start confrontations with others, and slanders his chosen victim to his friends so that he can receive people to gang up on them and beat them up... and that there was no moral basis for why he was mad at the people he was mad at. I tried to escape him in a tunnel... that was very short but he got to the other end, and trapped me... somehow I managed to evade him and he was on my pusruit again. And then god revealed to me that when He was talking about the "fruit" of the prophet by which you would recognize who was a sincere prophet and who was not, he meant that the offspring of the prophet... That is if the words of the prophet bring you closer to God, or His will for your life then they are a real prophet... if the words of th prophet bring you further away from him, then the prophet is a untrue prophet. And God also revealed to me... that the Chrsitians who did not want me to join them in church (because they thought I was unworthy of God's adore) were untrue prophets... because their speech (you don't belong here) was designed to bring me further away from God. And then I started to think that every these untrue prophets (people who tell me I have no right to seek or believe in God or fellowship with people who believe in him) were actually wolves in sheeps clothing... And then I realized that the people who pursued me.... (that is the ones who want God to puinsh me for my sins and pay for my mistakes) were like the Davey's who were out looking for revenge. I also realized that a prophet in this context is not necessarily somebopdy who divines words from God, but simply somebody's whose speech is designed to represent God... For example a Christian who says "God never punishes anybody." is a untrue prophet... even if they do not claim to have prophetic abilities. Now this is what I can't figure out... I don't have any friends but God keeps warning me over and over again to be wary of untrue christs and untrue prophets... so who exactly is he talking about since I dont have any friends anyway? And why am I being so heavily pursued by Davey who wants revenge? Later on he continued to pursue me... and got every of his friends to pursue me.... and the only way that I managed to escape... was by driving to another provine... far in the east coast... like Prince Edward Island or something and then driving slightly back... and taking a round route so that none of the cars that were pursuing me would find me? Can you pray about this and tell me what you sense about this dream that I had?

9 Mar 2010, 6:19 am | click here for answers

Open Question: Does any know anything about SMART ABC Franchise opportunities?

My partner is a qualified spray painter/panel beater. He has been working for a business since he qualified although now feels its time to go self-employed. We have looked at different franchise opportunities and have identified SMART ABC as the best. However, clearly they are goin to tell you only the good bits and was wondering if anyone has any experience with the company and if they could give us any advice. every advice would be greatly appreciated.

6 Mar 2010, 7:03 am | click here for answers

Open Question: This question is for experienced restaurant owners or investors. Is this a fair business proposal?

I am a cook opening a restaurant and bringing in 2 silent investors. The idea is mine and every labor and creation would be through me. I am bringing no cash to this deal. Only my concept and delivery. The investors are bringing a modest amount of cash. Each investor is bringing about 30k to the table. There are 2 investors, so a total of 60k to receive this tiny restaurant up and running. I want to know if my proposal on the split is practical and fair. Is this split standard to the market?? I would like some real input before I propose this deal. Here is what my proposal would be. As an operating partner, I would take a modest salary (50k). Once revenue is generated there would be a split of 90/10%. I would receive 10% of the profit and they would receive 90% until their initial investment is paid back. Once the initial investment is paid back then the percentage would reverse and I would receive 90% of the profit and the investors would receive 10% of the investment. The 10% would be split among both investors. I would also like to wrap a term around it for a 3 year buy-in and after 3 years they have to re-invest if restaurant is successful, but I WILL HAVE to give them that option to re-invest. Or after the 3 years the agreement comes to an end if they pick not to buy-in again. My thoughts behind this is the investment from each investor is very modest (30k) for a restaurant. I think it is a bit unrealistic and extravagant if the investors should receive a 50% split and life time buy in with a little amount of cash. If it was a larger amount of money like 500k or upwards, I could maybe understand that. Higher risk and bigger rewards, but this is a modest investment.

8 Mar 2010, 3:38 pm | click here for answers

Open Question: Old Business Partner still owes money. Does he have to pay?

My business partner and I decided to cease pursuing our business. In doing so we still had a big line of credit that we owe money towards. I recently found out that the bank screwed up and listed the line solely below my name and not the corporate name. Both my partner and I are listed as directors of the corporation but due to his bad credit the bank cannot add him to the account. How can I protect myself and tie him into the debt he is responsible for? Any help is appreciated...

9 Mar 2010, 3:36 pm | click here for answers

Open Question: What to do now? depression and break ups?

i have broken up with my girlfriend of 5 years. unfortunately she hid her illness, depression. i thought it was the menopause. now every my efforts which include therapy and talking about how she feels seem to be falling on deaf ears. i do know she loves me, but she doesn't seem to know what she should do. i know its the first time in any of her relationships that she has been exposed of her illness and she always puts it down to P.M.T. which would leave the other person clueless and bewildered. i have researched depression and believe this is what she has and maybe more, she is medicated on Paxil 30mg, but she is the same side of the coin and i adore her as this. At one point i went into the Coffee store business with a partner, with the overall idea that she could take it over, knowing what i do now, i realise it wouldn't have mattered, but if she had spoken to me about the condition i would not have made so much effort to offer her something she did not want and probably could not handle the added pressure. we have a lot in common, but i have achieved a state of financial security and also trained 4 world champions in a competitive sport, hence im pushing and she is glad as is, this i understand and because of this and also knowing we have so much in common, i know that we can meet or i can look what needs to be done. what would be a good way to talk to her about this new found knowledge and our lack of communication in a way that brings us together?

8 Mar 2010, 3:12 pm | click here for answers

Open Question: 10 Things Men Wish Women Knew?

1. Confidence is Sexier Than the Sports Illustrated Swimsuit Issue How a lady sees herself is ultimately how the man will look her. Despite how media and commercialism tries to bend this rule, attraction is only partially about a lady's physical appearance. Studies have shown time and again that men's attraction to women is a combination of personality, confidence and body language. In other words, feeling sexy is being sexy! ---------------------------------------------------------- 2. Leave us Alone in the Bathroom I won't bother you if you don't bother me. This is how most men think about the bathroom. Men generally dislike being disrupted in the bathroom, no matter what they are doing. They do not want to be asked how their day was, or if they are going "number two." In addition, most men prefer their partner to close the door when they are doing their possess business. ------------------------------------------------------------ 3. Pornography is not a Replacement for Sex With You Pornography and self-gratification are very common among men. So common, in fact, that the three-fourths of men who admit to it in studies could very well be the only ones telling the truth. As long as the pornography is not a crutch for a troubled relationship, it is a harmless act. If you are concerned about his involvement with porn, the best approach is to talk about it with an open mind, rather than to make accusations. Set boundaries if you must, but a closet porn-watcher is much more unhealthy than one who is open about it with his partner. ---------------------------------------------------------------- 4. The Fastest Way to a Man's Heart Really is Through His Stomach Men adore being cooked for, which has absolutely nothing to do with the stereotype of the barefoot and pregnant wife slaving away over a hot stove while he's off doing men's work. It's the 21st century, and studies show men are doing more of the cooking than ever before. Men, however, continue to like the privilege of a home-cooked meal. In fact, Australian research shows men sometimes prefer good food to sex. Good cooking may very well guide to the last headache you'll ever need to fake. ------------------------------------------------------ 5. We adore the Sound of Your Voice in the Bedroom You don't have to go overboard -- just let him know he's on the right track. Unless, of course, he isn't, then that is a whole different discussion. Many men base their success, in the moment, on their partners' verbal and visual cues. Studies have shown that men are much more likely to orgasm during their partners' bouts of verbal ecstasy than while silent. Your voice may be every the Viagra he will ever need. --------------------------------------------------------------- 6. Men Aren't Sexoholics, We Just Need to Feel Wanted While sex is a biological draw in men, it is also an emotional one. Sex is much more than just biology to a man, it is an outlying force which rates his overall satisfaction with life. Men need to feel wanted, and regular sex offers him a confidence that will carry over into everything he does. When he is rejected from sex, he feels rejected as a partner, husband and provider. --------------------------------------------------------------- 7. We Like the Idea of Romance, We Just Don't Always Know What to do Most men have tried to be a Romeo at some point in their lives. We know we adore you, we want to show you, but we are not always sure how to do it. Sometimes these efforts are hidden within such simple gestures as fixing the kitchen sink, or building a new shelf in the bathroom. Compared to long-stem roses, these offerings may not seem romantic to women, but they truly mean so much coming from your man. ---------------------------------------------------------------- 8. Men like the Challenge of Getting Lost and Finding Our Way Back This is a big one between many men and women, especially if you have been in a relationship for a long time. Men will inevitably receive lost, refuse to ask for directions, and by the time they receive where they were going, their partner is fuming with irritation. Relax, men have made it this far in life without anyone guiding us, so why start now. Men adore the feeling of self-navigating out of a jam. Don't rob us of this proud moment, and we won't rob you of the time it takes to pick a perfect skirt to go with that blouse. ------------------------------------------------------------------ 9. "Ok" is an Acceptable Answer to "How Was Your Day?" Studies show men use the same amount of words per day as women -- we just don't always talk about the same things. At the end of the work day, the lady is anxious to tell him every about her it -- 'this happened, then that, she said this and I did that.' When she asks him about his day, he shrugs and says, "it was ok," and this drives her nuts. Remember, if we really have something to tell you, we will. Most men are reserved talkers. It's not that we don't want 10. What You look Is What You receive Most men have run into a relationship where his partner loved most everything about him, except for those one or two things that really drove her nuts. She may have believed that she could change him, or perhaps he even told her that he could change. Truth is, for most men, what you look is what you receive. If you don't like what you look, then you're probably not going to like what you receive! Don't think you can change us, because you probably can't.

9 Mar 2010, 3:03 pm | click here for answers

Open Question: If I have a partnership business how do I divide the net income of 150,000 if one devotes fulltime and one hal?

If I have a partnership business how do I divide the net income of 150,000 if one partner devotes full time and the other parnter dvotes half time?

6 Mar 2010, 3:29 am | click here for answers

Open Question: Is a signed lease legal and binding?

I am an property manager for a home owner. We have tenants in arrears and I have been instructed to start eviction proceedings. This tenant is constantly tardy. They have been there since July 09. I must at this point add a detail. The owners are a couple who have separated, intend to eventually divorce but will remain business partners with this property investment. They hired me to manage the property. The wife and I have been following the provincial rules associated with dealings with tenants, our responsibilities etc. The husband has documented mental issues, but not a bad guy. Here's the problem, unbeknownst to her and me, he made a verbal arrangement with these tenants to delegate them prop managers- after I signed to be the prop manager- and pay no rent.This arrangement actually happened upon first viewing, and they kept this secret. We soon discovered this plot and informed the new tenants that they would have to sign our lease as tenants or move. This every happened days before they were to sign our lease and move in. They signed our lease quickly. Now we are at a standoff. The tenants, because they are below pressure to pay their rent, are 'working' the husband to draw up a new lease to benefit them in relation to the verbal arrangement. They -tenants- want the wife and me out of the picture so they can con the husband- who thinks he has new found best friends-into setting up an arrangement to their benefit. Do they have a legal leg to stand on- so to talk?

5 Mar 2010, 5:11 pm | click here for answers

Resolved Question: Is Frauding people a Sin?

My husbands in a lot of trouble and because of it I am too. He filed a bankruptcy here in California and signed my name to it. The cops showed up with a marshell and took a lot of stuff away. Then they locked me out of my possess store so I cant make a living now. A year ago he was out of a job. His benefits run out. Him and his brother decied to start a lawn business. They used a lot of credit cards from home depot, lowes, tractor co, master card and visa and an ameirican express card. Adds up to about 65 thousan dollars. His borther lives in Oregon and they bought a trailer using another card an then hauled it every off to his brothers home. They were suppose to be partners but I never seen a dime out of it. Well this weekend I found out what happen. His brothers keeping the money till hes out of bankruptcy. I seen the papers he filed and he lied about everything he could to hide stuff. Hes got a big gun collection and its every registered and they took it away. It wasnt in the papers he filed. He bought some jewlry 2 months ago on a credit ccard and they took that away too. The only thig he didnt lie about was my store. He made suer to put it in there. I called hsi ex-sister in law every frantic since theyre close. She admitted to an affair with him an its been going on for a year. Wonderful husband of mine is a devout Christian. Hes been this way for 2 years cuz he says its right. He calls from jail tellin me to have faith in him and itll be alright an Godll bless us soon. Is frauding people a sin? I want to toss his crap right back into his lying face! Give me some lines r something. I cant wait to receive my lawyer to sue for divorce. That husband of mine is a lying scum. I talked to my lawyer today an call my parents. Im moving back to be with them and givin up the home and the store. Everything. Anything to receive away from that lier.

8 Mar 2010, 4:18 am | click here for answers

Open Question: Ethical dilemma regarding a funeral ..?

i recently found myself confronted with an ethical dilemma ... The thing is ..i have already made the choice ( and took action ) but would appreciate any ones input as to weather my actions were correct or not !.. right here goes .. A few weeks ago i was contacted via face-book by an x girlfriend who wished to "talk" .. she thought that we had some " unfinished business" .. since she was the one who dumped me originally , i decided to answer to her message ... i am married she knows this and i kinda knew this was prob ally not the proper thing to do( bit like cheating on my partner) .. anyways she left me her e mail and phone no. details i did the same .. . so i texted her .. we talked about old times etc and it became apparent that her mom was very unwell an had been so for a long while .. over the next week or so we stayed in touch and then she stopped contacting me ..i sent her a text message asking her what was wrong it turned out her mom had passed away at the previous weekend .. i knew she would be busy with arrangements etc so i gave her some space.. i seen the death notice in the local paper giving the funeral detals etc.. the service at the home was private, which i respected but the date/ time for the cremation was stated in the paper .. i don't know any of the family or indeed the deceased but i thought out of respect for my x , i would make an appearance ? ( which i did do ) i was discrete , i did not go into the service and just waited outside to give my ex a bereavement card and a hug ( which i did do ) .. i left as soon as i did this .. the last text i recieved was that she wished that i would've asked first and that this was a very private thing for her..she has now took her profile of face-book and it looks like she is once again annoyed with me ? . any suggestions anyone ....

8 Mar 2010, 11:14 am | click here for answers

Open Question: Aggregate Supply vs. Aggregate Demand help!?

which is each of these situations effecting, why, and would the price level, Realg GDP, and Enemployment go up or down? and if you can explain why that would be amazingly helpful as well Whoever can answer the most will receive the best answer, i have an idea for must of them i just tend to second guess myself a lot and it would be helpful to have a second opinion 2. U.S. dollar's international value decreases significantly 3. Deutschland, a major trading partner, sinks into a severe recession 4. Firms finally figure out how to effectively use computers 5. The government passes and enforces new, strict emission controls on business. 6. There is a sudden increase in the price of crude oil 7. Schools graduate more literate students than previously 8. Last year's Planned Investment pays off in increased potential this year 9. Healthier American workers have fewer sick days, making them more productive 10. Fear of job terminations make workers pessimistic 11. Stock market sars, real wealth grows

8 Mar 2010, 10:59 pm | click here for answers

Voting Question: My partner is not taking constructive critisism kindly?

I am unsure which section to post this below as it's not really about my relationship as such. But any advice would be appreciated. Basically my partner who is 26 is training to be a teacher, the school he is based at is outside our hometown and the people running his department are every women. Therefore I think he is out of his comfort zone already, his last school he was training in was in our hometown, there were males his age he got along with well etc and generally he had a really positive experience. This is his last year of training and since he has been on this new placement he has been telling me he wants to give up and just work fulltime in an office or as a labourer or something. He has been studying for 6 years and working part-time to pay rent etc etc so I think giving up would be such a waste. He is generally he really mentally strong guy - nothing phases him etc. But since this new school I have noticed a change in him. So recently I tried to "pick" information from him as he can be a bit too proud at times to tell me his weakness/problems. He told me that the 3 female members of staff who he is working below are giving him really negative feedback after his classes. Every night he is coming home and preparing - he is always working away. He has never had negative feedback before - not to this extent anyway. So he told me what they would say to him and it sounds like they are just being ultra negative towards him and not giving him any positive feedback. I know in life you have to take negative feedback (I work in business) so I know this VERY well. It sounds like they are being difficult on him, they are not giving him any actual advice or pointers - they may aswell say "well you are a really bad teacher". Everything they are saying are nit picking and almost bit--chy - I can expect that from females though, as I am one lol. I don't know what to do, I am worried he will give up as he is really not enjoying it, he told me he finds them really intimidating - I find this so difficult to believe as my partner is a big butch guy. Sometimes I wonder if its to do with my partner's up bringing, between his mum and dad he cannot do any wrong - they praise him every the time and always have - even if they are just popping in for two minutes they will be every over him making a fuss. Whereas when I was younger I had a more "receive praise when you've done something right" action and scalded when wrong.

5 Mar 2010, 8:11 am | click here for answers

Open Question: IN accounting on what principle Drawing works? like deprication works on other principle?

ON which concept and principle owner or partner or any one having business withdraw?

6 Mar 2010, 7:26 pm | click here for answers

Open Question: Can I sue partner for misappropriation?

I am a web developer and full time student that traded one of my assets (a profitable website) for a 30% stake in a tiny business that sells a proprietary product in the United States. The situation is quite simple that I'm facing. My partner, who owns the lionshare (70%) of the company, decided we should sell the website since we had a good buyer (this is true). So we sold the website for $xxx,xxx.00, much higher than I anticipated. Now that we have a huge influx of cash flow after selling an asset, we have to make up for the lost revenue. However, my partner has been increasingly "frivolous" of his spending. I have confirmed my suspicions that he is using corporate funds for at least SOME of his personal pleasure. For example, for my 21st birthday he justified using the corporate credit card for our "night out" together. This is ok to me. However, I think that my partner has broken his limits as partner by, over a long period of time, using corporate funds to finance his lifestyle. As you may expect, this does not sit well with me. I have strong suspicions that he is using the money from the asset sale, and now he is spending of the cash on himself. I don't know if he THINKS i think it's ok. The website was something I worked difficult on for three years of my life, so I'm obviously going to be more attached to the cash than him. But I am only 21 years old, and he is 33. So I'm pretty sure something is going on here. Bottom line, can I sue him for misappropriating funds? I don't want to talk to a lawyer yet because I would hate to make our business go sour if it is not true. Any advice and/or suggestions is very appreciated. We are an LLC corporation doing business in Illinois. I believe he is not being truthful about our spending because he has consistently demonstrated to me that he simply does not respect my money. He has straight up told me he was considering insurance fraud. Big flag, right? He also talks about laundering and what not. However, I have to admit that I do not know what he is speaking about half the time. I just pretend like I do (probably not good, but hey). Anyways, I don't think he realizes that he is interfering with my financial security and future, IF he is misappropriating funds.

9 Mar 2010, 12:13 pm | click here for answers

Resolved Question: Breath is just a precious diamond [Ramadan]?

Life is nothing but an accumulation of many breaths. So every breath is just a precious diamond which cannot be purchased with anything in the world. It is a priceless jewel which has got no substitute in value. So in movements and talks, and in sorrows and happiness, such a priceless breath should not be spent in vain. To destroy it is to court destruction. An intelligent man cannot lose it. When a man gets up at dawn, he should enter into an agreement with himself just as a tradesman contracts with his partner. At that time, he should address his mind thus: O mind, you have been given no other property as precious as life. When it will end, the principal will end and despondency will arrive in seeking profit in business. Today is a new day. Allah has given you time, that is, He has delayed your death. He has bestowed upon you innumerable gifts. Think that you are already dead. So don’t waste time. Every breath is a precious jewel… Man has got for each day and night twenty-four treasure houses in twenty-four hours. Fill up these then find them filled up with divine sights in the world next. If they are not filled up with good works, they will be filled up with intense darkness wherefrom a bad stench will arrive out and envelop them every around. Another treasure home will neither give him happiness nor sorrow… That is an hour in which he slept, or was careless, or was engaged in any lawful work of this world. He will feel grieved for its remaining vacant. [Taken from al-Ghazali: Meditation and Introspection, The Book of Constructive Virtues, Ihya Ulum-id-din.] ~~~~~~~~~~ Salaam Sis, your answer made me search for a Hadith that I read such a long time ago. I found it and decided to share. ~~~~~~~~~~ Prophet Muhammad (Peace be upon him) said: "Is anyone of you incapable of earning one thousand Hasanah (rewards) a day?" Someone from the gathering asked, "How can anyone of us earn a thousand Hasanah?" Prophet Muhammad (Peace be upon him) said: "Glorify Allah a hundred times by just saying “Subhanallah” and a Good deeds will be written for you, or a thousand sins will be wiped away.” (Muslim 4:2073) ~~~~~~~~~~ May Allah (SWT) increase us in good and give us the ability to do excessive good deeds so that we may please him and make him the happiest so we can achieve the highest ranks of Paradise. Amin “Surely Allah does not do injustice so much as an atom’s weight, and in case it is a fair deed, He will double it and bring from very close to Him a magnificent reward.” (4:40)

7 Mar 2010, 7:22 pm | click here for answers

Resolved Question: If states across America are having problems issuing tax refunds how can we afford to pay for amnesty?

Further do the activists for illegals have any concern about states across the country are going broke but still they want America to provide free college educations to illegals even though we do not have the money to do it ? Would activists for illegals be willing to sponsor a student with their possess money and guarantee the college payment for illegals to attend a major college or do they prefer that the taxpayers pay for every of this ?.......This year, more Americans and businesses may be asking: Where's my tax refund? That's because cash-strapped states such as North Carolina, Alabama and Hawaii have been forced to slow down issuing income tax refunds to individuals and businesses because of a lack of funds in their budget. Kansas has hinted that a delay might be possible, and processing paper refunds in Iowa has slowed because the state doesn't haven't enough employees to receive them processed faster. Another state, New York, is still considering whether they'll follow the likes of Hawaii and delay refund payments. "States typically do this when they are tight and they don't have a budget in place," said Karla Dennis, CEO of Cohesive, a nationwide tax preparation firm. Things are dire at many states: forty-one states are expected to have mid-year budget gaps totaling $37.7 billion, according to the middle on Budget and Policy Priorities. Delaying the refund, Dennis says, "gives the state funds to work with in the interim to fill a gap in their revenues." Hawaii's Department of Taxation announced last month that it will delay income tax refunds until July 1, when processing and payments will resume on a "first-in-first-out basis," according to a news release. The state is delaying the funds to alleviate a $721 million revenue shortfall for the fiscal year ending June 30, 2010. below Hawaiian law, processing refunds must be done 90 days after the April 20 due day (or later if a return is filed after the due date). After that, the actual payment must be made within 45 days or interest has to be paid on the refund. Most states have similar laws about when interest kicks in, but they differ from state to state, said Scott Clark a tax attorney and partner at Sonnenschein Nath & Rosenthal. http://finance.yahoo.com/news/CashStrapped-States-Delay-cnbc-3787752102.html?x=0&.v=1

7 Mar 2010, 12:20 pm | click here for answers

Resolved Question: How can I cover up my tattoo's?

I was really stupid when I was a teenager and went mad on tattoos and got some I really regret. I have to go to a important meeting tomorrow what has a casual after party. Every one I know is going in shorts and t-shirts to the after do as the weather is quite nice. But I have a ridiculous tattoo on my ankle of an old Partners nick name :S I also have a couple on my lower arm, one that scared me as it was a back alley tattooist. PLEASE don't say it was my possess fault and I have to live with it because I know that and I am ashamed of them. Lazer treatment isn't possible as it's in 2 days and this could guide to me being sacked if my Boss look's it (he is hosting the party with a rival Business owner and it is a attempt of the businesses uniting) Please any quick solutions ( Don't want to wear trousers and a long shirt because I will stick out like a saw thumb as it is very hot out side) Thanks

7 Mar 2010, 3:03 pm | click here for answers

Open Question: want to move but feel like we're trapped!!?

We are stuck in a home with my partners dad as their Business taken a hit by loosing a major contract and were basically threatened into moving in with him, we would either be homeless with at the time our 2 babies or to move into his home and he moved out to a flat he was going to buy, we moved in in July 2009 below the promise he would be moving out at the latest November 2009. It's now March 2010 and he is still living with us and has made it clear there is no chance he would be going. We have 2 kids and are every squashed in a 3 bedroom home, he has a very bad anger problem and is an extremely heavy smoker, he even has to receive up at night just to go and have a fag. We have asked him a number of times if he could smoke outside as our kids's health is at risk and his response was that smoking can not hurt you!!! We have spoken to our health visitor as both of our kids receive chest infections very easily and she has also advised the smoking to be done outside but he still will not budge even though our kids's bedroom is literally feet away from where he is smoking. We don't have a lot of money so can not keep up for rent and deposit for our possess home again. We feel like little kids who have to do as we are told and be in bed at a certain time and at the age of 25 this is not something you want to be doing. We want to tell him we are unhappy but his temper is extremely bad, he has a very short fuse and this is probably something to do with him being a control freak and the fact he drinks up to 2 bottles of cider a night!!! We just wondered if there is anything we could do or anyone we can look who would be able to help us receive our possess home again. Thanks =)

6 Mar 2010, 11:16 am | click here for answers

Open Question: how to divide net income per time devoted to a business with partners?

6 Mar 2010, 3:30 am | click here for answers

Voting Question: My partner is thinking of quitting his work/training due to females?

I am unsure which section to post this below as it's not really about my relationship as such. But any advice would be appreciated. Basically my partner who is 26 is training to be a teacher, the school he is based at is outside our hometown and the people running his department are every women. Therefore I think he is out of his comfort zone already, his last school he was training in was in our hometown, there were males his age he got along with well etc and generally he had a really positive experience. This is his last year of training and since he has been on this new placement he has been telling me he wants to give up and just work fulltime in an office or as a labourer or something. He has been studying for 6 years and working part-time to pay rent etc etc so I think giving up would be such a waste. He is generally he really mentally strong guy - nothing phases him etc. But since this new school I have noticed a change in him. So recently I tried to "pick" information from him as he can be a bit too proud at times to tell me his weakness/problems. He told me that the 3 female members of staff who he is working below are giving him really negative feedback after his classes. Every night he is coming home and preparing - he is always working away. He has never had negative feedback before - not to this extent anyway. So he told me what they would say to him and it sounds like they are just being ultra negative towards him and not giving him any positive feedback. I know in life you have to take negative feedback (I work in business) so I know this VERY well. It sounds like they are being difficult on him, they are not giving him any actual advice or pointers - they may aswell say "well you are a really bad teacher". Everything they are saying are nit picking and almost bit--chy - I can expect that from females though, as I am one lol. I don't know what to do, I am worried he will give up as he is really not enjoying it, he told me he finds them really intimidating - I find this so difficult to believe as my partner is a big butch guy. Sometimes I wonder if its to do with my partner's up bringing, between his mum and dad he cannot do any wrong - they praise him every the time and always have - even if they are just popping in for two minutes they will be every over him making a fuss. Whereas when I was younger I had a more "receive praise when you've done something right" action and scalded when wrong.

5 Mar 2010, 8:15 am | click here for answers

Open Question: love vs. career? i'm about to snap?

i'm head over heels for this guy.....well....i dont want to die alone! i've worked and breathed my career for my whole life. i've lived in my car half starved because i was buying training equipment. i've given up my family, friends, and everything just so i could be successful. i have a chance to buy my dream farm with my business partner in NC. However I live in NY and so does my boyfriend. he appreciates my work, but he wants me to stay in NY. He's building a home and wants to stay close to his family. He promised he'd build me a barn, but we every know that's a giggle when it comes down to it. I don't want a barn for my horses, I want a highly successful business. My business partner is moving with or without me. I can't afford another place on my possess. I will have to keep training and working another desk job that I despise if I stay, until I can afford to build my barn. Even then, it'll never be worth the opportunity I'm being almost given right now. I dont know what to do. I feel like passing out, this is the Y in the road that could change my life. I'm sick to my stomach. Any opinions? Words of Advice? Pan's mom - If you have something you'd like to have an intelligent disagreement with me about, please feel free to send me an email. Otherwise, STFU. Lol. I don't know what to do, I have great relationships with every my clients, I receive training jobs just from recommendations from other people every the time. I've fixed any number of horses and resold to successful show or just pet homes. This would be that bounce that I need to the next level.

9 Mar 2010, 9:00 am | click here for answers

Resolved Question: Saturday Non-Stop Hardcore Action Results Part 2.?

Promo 3: Prasdana: My debut match againts Shaun BreadParker.yeah BreadParker,i said your name Bread because i can beat you and please bring your *** to the ring Match 3: Debut Match: Prasdana vs. Shaun Parker Both are new comers to YAWA and they both started the match aggressive. Both wrestlers are doing their signature moves but every time a wrestler prepares to deliver his signature move the opponent always counters. Shaun Parker delivered an RKO on Prasdana. Shaun goes for the pin and win. Winner: Shaun Parker in 59 seconds. Promo 4: Desert: Hey, GM who's gonna be the tag team partners that me and Risky gonna defend our titles with later? Risky: I know it's maybe the Animal and Amazing X. Desert: But we defeated them last time. Risky: Yes.(The Animal and Amazing X interrupts.) The Animal: What are you both saying? Risky: We are saying that we will defeat both of you easily again if you are our opponents at TLC later. Amazing X: O, yeah?! Are you sure of that? You are saying that you two both little-headed and dull wrestlers will defeat the amazing and animalistic tandem of us. NO WAY!! (Amazing X and Risky are taunting against each other. Then Conner X and Jack Hunter disrupts.) Conner X: Yo! cease that Amazing X and risky. sto pthat. Desert: What are you both weak doing here? Conner x: close up Desert! We are not weak. As a matter of fact we can defeat every of you right now. the Animal: Oh yeah?! So what are we waiting for? Let's receive in on. (Lakers 12, the GM disrupts.) Lakers 12: Hold it, right there! So Conner X and Jack Hunter you want battle as well as The Animal and Amazing X and Desert and Risky so why don't we make a match. But it's not just a simple match. It's going to be a The Animal and Amazing X vs. Conner X and Jack Hunter vs. Desert storm and Risky Business. If you, Animal and Amazing wins the match, both of you will face the Desert and storm later for the tag team Titles. If you Conner X and Jack hunter wins, you will face the Desert and storm later for the tag team Titles. If you Desert and Risky wins, you will not have a battle later on TLC. Match 4: Desert and Risky vs. The Animal and Amazing X vs. Conner X and Jack Hunter Desert, Amazing X and Jack started for their teams. Jack delivered a Spear on Amazing X and Desert delivered a Boston Crab on Jack. Now Jack and Amazing X is lying down. Desert is taunting on The Animal who is on the outer side of the ring. He tags in Risky. Risky and Desert went up the top rope. Risky is preparing to make a leg drop on Jack and Desert is preparing to deliver an Airbourne on Amazing X but the Animal rushed through were Risky and Desert is standing and from behind he pulled both of them out of the ring. Desert hits the steel ladder and Risky hits the Animal. now Risky, Desert, and the Animal is lying down outside the ring and Jack and Amazing X is lying down inside the ring. Conner X enters the ring and goes for the pin on Amazing X. 1.............2............but Desert breaks up the count and delivered a stunne ron Conner X and goes for the pin 1............2................3,. Desert and risky wins. Winners: Desert storm and Risky Business in 7 minutes and 4 seconds and their Tag team Titles will be not included in the belts that are at stake at TLC. Promo 5: The lights went out and then the lights went in and the Undertaker is inside the ring. Undertaker: Thank you GM, Lakers 12 for having me here. It's a great privilege to be here. I wish I could be here again another time. Bye! The lights went out and when the lights went in, Undertaker is no more inside the ring.

7 Mar 2010, 12:39 am | click here for answers

Open Question: Partnership on a new restaurant in San Diego.?

Is it really difficult to find a partner in opening a new restaurant in the San Diego area with me. I've posted in many places and talked with many people but financially they can't afford it. Any suggestions where my pleas will fall in open ears????? Financially, i don't have enough but my business plan is concrete. Please any help will do..... Thanks.

8 Mar 2010, 4:19 am | click here for answers

Open Question: Dreamed about wolves in sheep's clothing... what does this mean?

I had two prophets warn me to be weary of untrue christians who would deceive me... or as Jesus would call them "untrue christs" And then I dreamt that I was back in school (I keep dreaming that I'm back in highschoo) it was an adult night class. There was this very intelligent, successful, humble doctor that everybody liked and respected taking a class there... he had a 98% overall average in highschool and epitomized moral goodness and virtue... He was wearing a business suit the same type of uniform he always wears to church... and in my dream... I was taking on his body, and controlling his mind... that is in my dream... I was a man (in real life I am a lady) We were working on a tardy night project, something artistic and related to making art forms... One was a wreath which I made in class on the day it was due and succeeded in (while everyone else took their wreiths home with them) the other assignment we made was an octagon / pentagon, where we were supposed to draw and add certain things to it... I made the second on on time as well even though I was tardy... and my partner was worried I would not receive it down. Then as we were at class tardy night, some guy who reminds me of a former drug dealing pal that I had who had the hots for me 2 years ago... (a very ugly, needy, agressive heathen guy that had no religious belief and slept with any thing with two legs) Well he came to our school and told us that he had something to tell us... I asked what it was about and he said he wanted revenge... I got an eery, uncomfortable, feeling that a murder or something horrible was about to take place so I left the school, and drove off. Well I was trying to escape this guy, he brought some of his friends along who were also looking for revenge. I learned over time that he likes to start confrontations with others, and slanders his chosen victim to his friends so that he can receive people to gang up on them and beat them up... and that there was no moral basis for why he was mad at the people he was mad at. I tried to escape him in a tunnel... that was very short but he got to the other end, and trapped me... somehow I managed to evade him and he was on my pusruit again. And then god revealed to me that when He was talking about the "fruit" of the prophet by which you would recognize who was a sincere prophet and who was not, he meant that the offspring of the prophet... That is if the words of the prophet bring you closer to God, or His will for your life then they are a real prophet... if the words of th prophet bring you further away from him, then the prophet is a untrue prophet. And God also revealed to me... that the Chrsitians who did not want me to join them in church (because they thought I was unworthy of God's adore) were untrue prophets... because their speech (you don't belong here) was designed to bring me further away from God. And then I started to think that every these untrue prophets (people who tell me I have no right to seek or believe in God or fellowship with people who believe in him) were actually wolves in sheeps clothing... And then I realized that the people who pursued me.... (that is the ones who want God to puinsh me for my sins and pay for my mistakes) were like the Davey's who were out looking for revenge. I also realized that a prophet in this context is not necessarily somebopdy who divines words from God, but simply somebody's whose speech is designed to represent God... For example a Christian who says "God never punishes anybody." is a untrue prophet... even if they do not claim to have prophetic abilities. Now this is what I can't figure out... I don't have any friends but God keeps warning me over and over again to be wary of untrue christs and untrue prophets... so who exactly is he talking about since I dont have any friends anyway? And why am I being so heavily pursued by Davey who wants revenge? Later on he continued to pursue me... and got every of his friends to pursue me.... and the only way that I managed to escape... was by driving to another provine... far in the east coast... like Prince Edward Island or something and then driving slightly back... and taking a round route so that none of the cars that were pursuing me would find me? Can you pray about this and tell me what you sense about this dream that I had?

9 Mar 2010, 6:31 am | click here for answers

Voting Question: Does America have any hope left?

Personally I think that both the Reps and Dems are greedy groups. They cannot work out any solutions to America's problems. The nation has become a hypocrisy. China is becoming empowered exponentially at this time; in fact, other nations like the one I am in are starting to submit to China for economic reasons. That means they are doing what China wants at the expense of the possess values and citizens. This is no joke. Where China was seen as a foe to these very nations in the past now it is getting control over them for pure economic reasons alone. The relationship between traditional partners like the US is failing. That's bad for America. If you are American, you should know that there are many other ways in which America is losing influence in the world and other countries like China and Russia are becoming stronger. In the country I am in now Russian and Chinese languages are being taught more in public schools and the flow of travellers and expats from those countries is increasing even surpassing that of the US. My country has been traditionally aligned with the US Since WW2. That's changing. America is being sold out by its possess politicians, business people, and many of its citizens. Is there any wish?

5 Mar 2010, 6:47 pm | click here for answers

Open Question: My younger sister is moving in with us . I have concerns?

My little sister who is 16 , is moving in with us. Recently , she has been giving my parents , who are not so young now absolute crap at home , and tactful as always , my partner suggested that she move in with us , on the basis that as two young professionals we are normally out , entertaining and being entertained by business associates , or just with friends , leaving an idea situation for her , where she can be semi - autonomous in our care. On face value , this should work. She'll receive the independence that she craves , and well Mum and Dad's life should be made easier. But I have my concerns I feel , that she is being rewarded for what is diabolical behavior (drug taking , drinking , promiscuity and the likes) with greater freedom and more personal space, and although we are helping my parents , and I have a hell of a lot of respect for them , on his wage , my partner could have easily paid , and we did consider , for her to be backpacked off to a boarding school. Instead she is coming to live with us. And yes on the surface it is fine , we have a big home so she can be contained , but I am worried now , that like mum and dad , me and my partner are going to become victim to her appalling and time aggressive behavior, I mean how awkward will it be if she starts bringing drunken crowds of friends back , or even boys she has picked up - furthermore , my partner is a lovely guy with a sense of duty both to his family and his in law family , but I don't think he is realizing what he is entering , and I think it could quite easily have a negative effect on our relationship and , our sex life. So what should we do ? ; Her continuing to live with mum and dad isn't an option at every , they really cannot cope with her anymore - so is there any advice

9 Mar 2010, 12:21 pm | click here for answers

Open Question: If I'm starting a small business with my partner (boyfriend), what business status would that give me?

I'm hoping to open up a tiny cafe with my boyfriend. It's my passion, and I've done everything towards the business, I'm writing the business plan myself and I've done every the work towards it so far. Right now I'm wondering whether to register as a sole trader and employ my partner, or register as a partnership together. Is it possible for me to register as a sole trader and split the profit between us or would that still be classified as a partnership? Or would it be better for the business to trade as a company?

9 Mar 2010, 10:50 am | click here for answers

Resolved Question: Why is my cat constantly meowing? and other few bits.?

This is a bit long so please bear with me. In Sept 09 we moved into our new home, it has an allyway down the side of the home for access to our home, and also the chemist below us use it as their business entrance to. (our landlord is the owner of chemist) Well there was always a cat pooping down that allyway and i always insisted it wasn't our cat as he is afraid of the allyway, which i have noticed whilst being in our garden. But we still cleaned it up as its just not nice. quick forward to last month and we receive a letter from our landlord complaining about the cat pooping and saying if we dont cease our cat doing it we have to receive rid of him. They tried to say that our cat is the ONLY cat in the whole area... :S Then that very day the cat poo stopped, and has been like this for the month. Nothing there at every. (which furthers my belief it wasn't our cat and it was another cat in the area and it has moved away) Well since the letter and the stopping of poop everywhere, our cat has been meowing constantly. He always has food and fresh water and unlimited access to the outdoors world. He gets constant attention to. And then to add onto this, a few weeks ago, he started coming in and laying with my partner. Then after a while he would receive up and do the meow, then tug his ears back, receive into hunting position and attack my partner. He wont do this to me at every, but im heavily pregnant so we think thats why. So does anyone have any answers? Thank you in advance :)

8 Mar 2010, 7:49 am | click here for answers

Open Question: Having one company go out of business and open as a new one. How to do this?

LONG LONG LONG story short, we were given bad advice... VERY bad advice. We 3 partners want to close the doors on one company and start a new one with a more appropriate business structure. (Go from an S-Corp to an .LLC like the original 2 partners should have done in the first place.) The equipment is owned by the Owners and Leased to the company so we wouldn't have to transfer any ownership from one company to another. We owe taxes, we owe some credit cards, but we have some invoices going in that will pay out in the long run, we don't want to screw our debtors... Would it be better for "Company 1" to just go out of business and close the doors or would it be better to go bankrupt? I bought in to this tiny company but in the new one, I would be a primary owner, a disabled lady, and then 24% would be a Veteran of the Armed Forces and 24% would be a normal guy with nothing certifiable to his name. Does anyone have any advice on how to properly close the doors on one and start the next? We will be doing this around June because that is when the insurance is renewed, etc. and we want to receive everything going for the new company by then. THANK YOU!

6 Mar 2010, 4:26 pm | click here for answers

Open Question: Would love to start up boarding cattery (dream) But I have got some questions...?

Well, I am just turning 12 in a week. I am in High School (secondary school UK) I am totally considering starting a cattery when I am older. 1st question: Money I receive £50 a month at the moment and would like to keep up for this cattery, How much are they? I probley will receive a business partner so that will help. 2nd question: Good Idea? Is it a good idea to start one up? I ve looked on google maps= not many catteries! So less competition? Thanks for your help! xxx

6 Mar 2010, 3:25 am | click here for answers

Resolved Question: Why do Democrats in Congress hate Turkey ?

Twice in a span of ten years they have gone out of their way to try and embarrass a NATO partner. Even though Armenian and Turkish governments have found a way to resolve their animosity. They do business together and Turkey has helped Armenia with its debt. This is not good enough for McCarthy type Democrats who want a world wide apology to Armenians. The Turkish government has admitted its past in dealing w/ Armenian separatist, bob is the type of person that cares more about Armenians than say Bosnians! He thinks there is a difference in parties on a American human approach to genocide !

8 Mar 2010, 10:40 am | click here for answers

Resolved Question: How has our life progressed since our Mother’s day?

Today is International Women's Day, but 40 years since the birth of Women's Lib Janet road Porter has revealed she thinks ‘what's to celebrate?': 'Many young women today have pretty dubious role models: pop stars and models who celebrate conspicuous consumption. But happiness isn't a new handbag or a pair of shoes - it's achieving goals you set yourself. Worrying new statistics show a generation of young mums with no jobs, no money and no partners. And a new survey, commissioned by Channel 4 to celebrate International Women's Day, shows that even in the sophisticated world of the media, females have a long way to go, with men outnumbering women on screen by two to one. In business, less than one in ten board members of the top 350-companies in the UK are female, and less than one in five are MPs - ranking us 66th in the world for women in political life, behind Afghanistan. At the current rate it will take 40 General Elections to achieve parity in Parliament. So I'm not celebrating today.’ So do you agree? Has the quality of your life changed since the day of your mom?

8 Mar 2010, 8:59 am | click here for answers

Open Question: business partners for a running manufacturing unit?

7 Mar 2010, 12:59 am | click here for answers

Resolved Question: Christians: Repost since nobody gave a legitimate answer the first 2 times...?

I had two prophets warn me to be weary of untrue christians who would deceive me... or as Jesus would call them "untrue christs" And then I dreamt that I was back in school (I keep dreaming that I'm back in highschoo) it was an adult night class. There was this very intelligent, successful, humble doctor that everybody liked and respected taking a class there... he had a 98% overall average in highschool and epitomized moral goodness and virtue... He was wearing a business suit the same type of uniform he always wears to church... and in my dream... I was taking on his body, and controlling his mind... that is in my dream... I was a man (in real life I am a lady) We were working on a tardy night project, something artistic and related to making art forms... One was a wreath which I made in class on the day it was due and succeeded in (while everyone else took their wreiths home with them) the other assignment we made was an octagon / pentagon, where we were supposed to draw and add certain things to it... I made the second on on time as well even though I was tardy... and my partner was worried I would not receive it down. Then as we were at class tardy night, some guy who reminds me of a former drug dealing pal that I had who had the hots for me 2 years ago... (a very ugly, needy, agressive heathen guy that had no religious belief and slept with any thing with two legs) Well he came to our school and told us that he had something to tell us... I asked what it was about and he said he wanted revenge... I got an eery, uncomfortable, feeling that a murder or something horrible was about to take place so I left the school, and drove off. Well I was trying to escape this guy, he brought some of his friends along who were also looking for revenge. I learned over time that he likes to start confrontations with others, and slanders his chosen victim to his friends so that he can receive people to gang up on them and beat them up... and that there was no moral basis for why he was mad at the people he was mad at. I tried to escape him in a tunnel... that was very short but he got to the other end, and trapped me... somehow I managed to evade him and he was on my pusruit again. And then god revealed to me that when He was talking about the "fruit" of the prophet by which you would recognize who was a sincere prophet and who was not, he meant that the offspring of the prophet... That is if the words of the prophet bring you closer to God, or His will for your life then they are a real prophet... if the words of th prophet bring you further away from him, then the prophet is a untrue prophet. And God also revealed to me... that the Chrsitians who did not want me to join them in church (because they thought I was unworthy of God's adore) were untrue prophets... because their speech (you don't belong here) was designed to bring me further away from God. And then I started to think that every these untrue prophets (people who tell me I have no right to seek or believe in God or fellowship with people who believe in him) were actually wolves in sheeps clothing... And then I realized that the people who pursued me.... (that is the ones who want God to puinsh me for my sins and pay for my mistakes) were like the Davey's who were out looking for revenge. I also realized that a prophet in this context is not necessarily somebopdy who divines words from God, but simply somebody's whose speech is designed to represent God... For example a Christian who says "God never punishes anybody." is a untrue prophet... even if they do not claim to have prophetic abilities. Now this is what I can't figure out... I don't have any friends but God keeps warning me over and over again to be wary of untrue christs and untrue prophets... so who exactly is he talking about since I dont have any friends anyway? And why am I being so heavily pursued by Davey who wants revenge? Later on he continued to pursue me... and got every of his friends to pursue me.... and the only way that I managed to escape... was by driving to another provine... far in the east coast... like Prince Edward Island or something and then driving slightly back... and taking a round route so that none of the cars that were pursuing me would find me? Can you pray about this and tell me what you sense about this dream that I had?

9 Mar 2010, 7:03 am | click here for answers