Just say no!

we ned help with a french conversation between 2 people on their 1st date. It needs to be at least 20 lines long.. tips on how to order from a menu would be helpful--verbs adjectives etc..

I am looking at picking up some diamond stud earrings. I LOVE a pair that is total .90 ct F color & VS2 for $2052 plus tax---but they no not come with certification because the broker does not certify anythign less than 1 ct--they are willing to provide an apprasial.

The othe pair is 1ct I VS2 (they are being brought into the store for me to see on Friday) they ARE certified and $2120 plus tax...

The 1st pair is princess cut & 2nd pair round...

Does it matter that the 1st pr is NOT certified? They are BEAUTIFUL and I am purchasing froma reputable source --a nationwide chain.

Which is the better value/deal? Why?

I am in sales (advertising)--and am in a senior role with my current employer. I am settled in my area and have no plans to relocate.

I was invited to apply for a position with a company that my former Director works for. The position is in management. I have interviewed with several people within the company and am one of 2 final candidates.

I have one last meeting with the founder of the co next week.

I found out today that the other candidate is a referral of one of the VP's that I have also interviewed with.

So I am thinking LONG & HARD about the oppty--there would not be an oppty in my market(with my current employer) unless my boss left (I don't see that happening) and relocating is not an option.

I am somewhat at the "top of my game" and VERY interested in making the move into mgt and this could be the oppty to do so...but I want to make the right choice...

The current economic climate has me a little scared BUT I can't live in fear...I have no doubt that I would be re-hired if something didn't work out...

This is potentially a BIG move---I'll add that the salary is pretty in line with what I am currently making, however, the salary potential and anticipated growth of my market would be significantly more over the next 18-30 months...

Is there a way AFTER it has been submitted/verified to CHANGE the information submitted? If he is being asked for tax returns that won't match up what are the options?

I have 2 Chase cards with a total of 10K credit. One card 4K & 1 6K. Neither has a balance and I have been told that I can combine the cards and have one card with a 10K balance and 9.9 FIXED APR. The older card has the 9.9% APR. Are there any negatives that I need to consider? If I can also get a credit increase is that a good thing that might increase my credit score?

variable interest.. I just made a payment and could pay it in full if I chose to BUT I would be taking it from my "emergency fund". I do not yet have 6 months worth of savings I have appx. 3 months but I am adding to it monthly. I am trying to see if it makes sense to take $1500 from my savings and just pay it off in full or wait until next month to pay it off. I have paid 0% interest to date. I just ended the 6 months no interest period. So I would have paid interest for 1 month if I wait. Is it better to keep it in the bank OR pay it and be done with it?

6 months of total living expenses? I hear different things and would like to know what most people have/are working towards? I am leaning towards total living expenses because if you have your house paid for what good is it if you can't keep the lights, water, etc. on.

I am 38--and have BAD period. My tubes are tied and although unmarried I do not plan to have any more children. Problem is my cycles are the WORST I hate them and have tried many things over the years to make them better, the regular pill, Seasonique, and ultimately pain medicine. I'm currently taking Tramadol. Overall I'm tired and considering a hysterectomy. I have an appt with my Dr on the 13thto discuss my options--suggestions? feedback? PS I also suffer from PMDD and take prozac for that day 15-start of my cycle.

I recently purchased a Rolex for myself and I'm wondering if it could/should be considered as an inestment/asset since they do increase in value.. Thoughts?

I am headed to Hawaii on Thursday morning and I CANNOT be on my cycle. I am 38--done having kids--tubes have been tied for years BUT because I have had issues with my cycle I have 6 packs of BCP's here at the house. I just popped 3 pills (Sun, Mon, Tues) and am hoping it leaves! I can call the DR. in the morning and see if I can pick up something else but I'm not sure if I will be able to make it into the office. If I keep popping the pills will it stop? Is this enough time?

It's still VERY light--I'm not even using tampons/pads--just a liner...

for the past 2.5 years I have invested in a plan that was based on my retirement date and lost a LOT of money. So I have recently switched my NEW allocations to a bond and here are the stats for it.

Cur Nav 3 mos YTD 1 YR 5 YR 10YR Inception Retn As of

$10.01 6.50% 0.59% 1.76% 4.82% 5.89% 6.18% 1/31/2009

My "old" fund stats are here:

$5.86 -11.92% -7.93% -41.66% NA NA -9.54% 1/31/2009

I'm no financial expert but since I have upped my contributions to 10% seems like the "bond" is ganing VS losing.

Was this a good move?

I have a 21 year old (male) college student that called me yesterday and tell me that he had to make a purchase with his debit card at Walgreens for the Plan B pill because of a mishap with a condom breaking. I knew that he was not a virgin--he told me when he lost his virginity his freshman year of college. I didn't judge or ask any questions. He asked if I was upset and I told him no. Instead I told him that I was happy that he came to me and was honest about the situation. I added that I was proud that he was responsible about the situation. I let him know that he never has to be afraid to be honest with me about things that take place in his life. Just wondering how others might have responded.

I have student loans in the amount of $4,334.56 @ 4.21% interest which I could knock out by December of this year and be done with them.

I also have an auto loan at 11.99% that I owe $11,532.69 and have 31 payments remaining.

I have just paid off the one CC I had a balance on--PRIOR to being charged interest --it was in the 0% stage and want to decide what is the BEST way for me to pay down the 2 remaining debts I have--aside from my house.

What's best and why?

I have a MM account with a local CU and am currently earning 1.62%. I am looking at accounts at other local CU's for better rates and wonder it really makes sense to switch. One of the best rates I've seen from a local CU is 2.75/2.78 APY for 10K-24,999. Is it worth it to change? How much am I really gaining? Say my initial deposit is around 11K

on the SAR this year it states (near the bottom) --Your FAFSA has been selected for a review process called verification. Your school has the authority to request compies of certian financial documents from you and your parents. We did this his 1st year..Is it common to be asked again? Is it a sure thing that they will--this was NOT printed on the SAR for last year. I'm confused.

I decided to to increase my 401K to 10% (previously 6%) because my company matches @ 50% up to 6%. I figured the additional deductions will help me with taxes. Am I right? I save in a money market account as well BUT I need to do something to lower my taxed income. Did I do the right thing? What else would you recommend and why?

My son had braces applied last March and I got a notice from my Orthodontist office that my Aetha DMO policy has changed effective 1/1/09 and has no pre-existing coverage. The new insurance policy will not pay anything towards the remaining balance for his orthodontic treatment. They are adjusting what I owe to pay the difference.

I do not understand how or why these are considered pre-existing when they (Aetno DMO) applied the braces last year. I made no changes to my coverage or policy.

Can this be done? (I plan to call them in the morning but I am heated!)

I just got my W2--my gross pay is one thing but due to 401K and other deducations my wages, tips other comp is 86,300. As head of household with 2 dependants (15 year old and a 21 year old college student) am I eligible for the credit? or a portion of it? Does anyone know how it's prorated?

Ok--I bought a new house in Aug 08 that came with laminate countertops. I wold like to upgrade them to granite and am in the process of getting quotes. The area is 37 sq feet and I am looking at level 1, 3 cm granite. This project will cost under $2,500 for labor, materials, removal of the old material, sink, sink cutout, & plumber. My BF thinks that I am doing to much too soon & since the house is brand new I should wait a while. I plan to pay for it in cash. I have appx 10K in a MM acct, 9K in 401K, and 2 K in CC debt @ 0% which will be paid in full next month prior to when the interest will kick in (3/09). The cash will come from my Dec 08 bonus. Since it's almost income tax time I will have additional money there next month as well.

Should I go ahead and get them or wait? My monthly salary averages $6,500-7,500 per month and my household expenses are around $2500.

I'm curious, I know many Americans are in BAD financial situations right now but I am wondering about the "average" individual/family. I watch Suze Orman and listen to the people on her show and many have TONS of savings but then I hear about people that have lost everything. I am wondering what does the typical person have. Please include your age, number of family members, and how many adults contribute to that figure. Just cash --not 401K, IRA's, etc..