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I bought an iPhone 5 on ebay for $413. It arrived not working and I opened a dispute for "item not as described". Buyer said to ship it back and I am ready to ship it back via priority mail small flat rate box. I am sending it through priority mail with signature confirmation, this will cost $5.25 for the shipping and $2.35 for sig confirmation my question is do I have to add insurance to this package? It will cost $8.00 for insurance and that's a lot of money just to ship back a phone that does not turn on. Please help me out thanks.

Hello I just received an item on ebay and it was different from the condition the listing specified. I am trying to return the item but how do I know what address to send it to? I know I need to use signature confirmation, but the item is returning to a company called EX-Store US so shouldn't it be addressed to a person who will sign for it? Im very confused how this all works.

Our manager is leaving our site (got promoted) and all of the employees are chipping in to buy her a glass desk ornament with an engraving. We are gettng her one with a large glass star and an engraving at the bottom. We cannot think of what to put in the engraving, any ideas? We were thinking something like "Always reach for the stars", but im sure there are better quotes. It can be longer too... Any ideas would help thanks!

Getting into bodybuilding and looking for good tasting high protein meals. Preferably meals that have a good variety of amino acids (complete protein sources). Not too worried about a little fat content but preferably not too high in carbs.

I can;t believe this happened to me. How can I cope..

I am applying for a job at a school. The job title is "Assistant Teacher - EC" at a high school. Does anyone know what the EC stands for? I don't want to look stupid in the email I send by not knowing for sure what it stands for.

What does this mean:

cada vez cuando te mido, te miras mas bonita cada dia

or it might have been

cada vez cuando te miro, te miras mas bonita cada dia

What does each mean in english?

Which sentence is correct - Who vs Whom?

I have learned that this company demands the best, not only for its products, but also from those who it employs.

OR

I have learned that this company demands the best, not only for its products, but also from those whom it employs.

So I know a lot about computer repair and I am trying to start doing repairs as a business and compete with the brick and mortar stores. I have already made some business cards and just plan to distribute them and see what kind of business I end up getting. The benefit of my services is that I do house-calls (assuming it is a big enough job) and I am cheaper than the competition who has comparatively high overhead costs.

My problem is figuring out what to charge for my services. I know I can do jobs for the cost of parts + a little extra for my labor, but I think it would make more sense to base my prices off of what the computer repair shops are charging. ie if someone offers me a job, I do it for a little less than the computer repair shops would charge. I am trying to get an idea how much these shops charge for data retrieval, virus/spyware removal/replacing a broken piece of hardware/etc. It will help me in deciding my rates. Thank you if anyone can provide any guidance.

I'm looking for the best FREE website to help unlock phones. Whether it provides codes to unlock the phones or some sort of software that can unlock the phones. I am looking for a consolidated website that I can use for any phone I need to unlock. Does anyone know of any good ones? Please let me know ty.

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And is an iPad 1 fast enough for web browsing? I cant afford an iPad 2 and dont needa camera.

I am looking for ideas of what type of business to start. I have roughly $18,000 at my disposal. I am 20 years old so, while I do not want to waste this money, I am young enough that I can afford to take some risks. This money is savings I have, and even if I were to lose it all, it would not be putting me on the streets or anything. Because of my age I do not have much of a credit score yet but I am building up my score slowly and think within a few years I may be able to take out a loan if I needed to. I want to work for myself, and I am not afraid to work hard. If anyone has any business ideas that are low-overhead low risk, but can provide a living, I would love to hear them. Thank you!

How do I know if 2 computers rams are compatible? I have an ASUS EEE PC 1000HA and a Dell XPS M1210 laptops and I was trying to swap their RAM. I did some research and thought they were the same time. But I opened them up about to switch and one said DDR2 SODIMM on it (the ASUS ram) and the other just said PC2-5300 on the ram. So I was afraid I was wrong and I didn't want to fry either of the motherboards by putting in the wrong RAM. Is this the same types of ram just said different ways? Can someone please check to make sure they are compatible with each others RAM before I ruin either or both of the computers? They are:

ASUS Eee PC 1000 HA Netbook

Dell XPS M1210 Laptop

I have a few questions about deducting business expenses. I am starting a business where I will be driving around a lot. Yes I will be driving for business purposes, I am not trying to deduct my personal miles or expenses. The question is how do I prove I have driven these miles? I understand receipts are a good way to prove where you have driven in a day, and I plan to (for the sake of consistency) refill my tank of gas at the end of my days traveling. (This shows where I was when my business mileage stops for the day). But how do I prove where I was before that. For example let's say I drive to A, then to B, then to C, then to A, then to D, then to E (gas station - end of my mileage for the day), how to I prove I was at A, B, C and D? What form does the IRS need this proof to be in? For example, could I take a picture of places as I arrive there? Could I do something like check in at a location under Facebook Places to prove I was there? I am looking for smart, technological ways to achieve this. I understand the IRS isn't known for keeping up with technological advances though. Whats the easiest way to prove I have been to places if I can't use those methods?

My parents have a 30-yr mortgage (20 years left on it) at 8% interest. They do not have the best credit but I'm sure they could get a new mortgage at 4-4.5%. I have done some research and I think that my mom should refinance to a 30-year mortgage at a lower rate, and use the difference between monthly payments to pay off her credit cards (she has 29% interest on her CCs) and she could pay those off in about 5-6 months with the extra money available. Basically a 29% return on her money risk free, vs the few percent she would be saving putting it all toward her mortgage. Then she can (if she chooses) start accelerated payments on her mortgage to get rid of it in 15 years or less, or she can choose to invest the difference in a way that is expected to beat the 4.5% rate on her mortgage. Is this a good idea?

Hey y'all I need a little help. I am a single filer and trying to figure out about some tax credits available to me. In 2011 I made $10,880 gross income. Last year the only tax credit I was eligible for was the making work pay credit (a refundable tax credit), but now I am eligible for the Retirement savings credit, as I have put $2,000+ in a Roth IRA for the 2011 year. The retirement saving credit is a nonrefundable tax credit and I understand it cannot reduce my tax liability past the amount of taxes I owe. My question is, how does this work out with the making work pay credit? Preferably I would like the retirement savings credit to be applied first (to reduce tax liability owed) and then the making work pay credit (which is a credit that is paid whether I have any tax liability left or not). Does it work like this or does the MWP credit get applied first, thus reducing my tax liability and making the RS credit less effective? Please let me know if you have any info on this. This is a very specific question but I'm sure someone on here has the proper expertise to answer it! Thanks.

I recently got a promotion and I am running an after school program... I am pretty new to this and want to make sure I do a good job... The program before me was complete chaos and no structure and I want to change that, basically it was just free play the entire time. I want there to be set schedule and activities planned daily, with some period of free play (not the whole day though). This is proving to be a challenge because the kids who have been in the program for the last few years are so used to doing whatever they want. Don't get me wrong, I am not a pushover, and can handle the kids. These kids are certainly not the ones who are in charge. But most ideas I had planned today they all said they didn't want to do. I usually don't cave in if one or two kids say they don't want to do something because there is always going to be some who are having a bad attitude. But when they ALL said they didn't want to I don't see how I can really continue with the activity. I certainly can't force them to play the game/do the activity (and I wouldn't want to). I need some activities that all kids can get into. One problem is the kids are so diverse in terms of age and interests. I have from age 5 up to 12 at the oldest, some are athletic, some are not at all, some are artistic and others not. It was really hard to get an activity going today (today was my first day). While I certainly am learning everyday, I wanted to get some advice from someone who may have experience with this. I do not want to go to my boss except as a last resort. I believe I can handle this myself. What are some good activities that ALL kids can get into?? Things that can last a while too? I have a general schedule in place for tomorrow but really just looking for some specific activities I can do (also right now I am limited to basic supplies, but will be getting more soon) that kids will like from diverse age range and interests... if that's possible ): I want to be over-prepared for tomorrow so it turns out better. For now I am just trying to get through tomorrow so I can work on planning stuff all weekend and plan out the whole week.

SIPC is the insurance program that protects investors if their brokerage firm fails... Let's say that my broker fails and SIPC needs to kick in to return my investments to me.. how does it work? Am I given all the stocks that I owned before the firm failed? Or do they simply give me the money for what each stock is currently worth? Let's say I own 100 shares of a stock that is worth $50 per share (for example) and then my brokerage firm fails. Now the stock I owned just happens to be worth $30 a share. Will the SIPC give me the 100 shares of stock or will they just give me the $30 per share that it currently trades at? I would rather be given the stock that I owned before, if it is a good company I wouldn't necessarily want to sell it at $30. Does this make sense? Can anyone answer my question? Also another thing about the SIPC I was wondering about... I have read that the SIPC is not backed by the full faith and credit of the US govt. The FDIC is. So for example if a large number of banks failed in the US suddenly, people who held money in the banks (under the $250,000 limit) would not have to worry about being insured (assuming the US govt meets its obligation). However, what would happen if a lot of brokerage firms failed all of the sudden. Would I have to worry about being protected? Has it ever happens that so many brokerage firms failed suddenly, and the cost being greater than the SIPC cash reserves?