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I am a young student (over the age of 18) who is looking to get a credit card with a low limit, just to start building up a credit rating. everywehere i apply, i get denied becasue they cannot verify my credit rating. its like im in a paradox, HELP!!! I had this happen to me. I'd suggest joining a credit union and getting a card through them. You could also try getting a store credit card (like Dillard's, Wal-Mart, Best Buy, Macy's) or a gas card and pay them off IN FULL every month. After about 6 months (though I'd give an extra 2-3 months at least to make sure the cards are reporting), you'll have a FICO score. ...

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Would having three credit cards, but only using one of them, help or hinder my credit score? I use one and continually pay it off as I use it, but the other two carry balances of $0.00. You may want to make small charges on the other two cards and pay the balance in full by the due date. This will ensure that all three cards are active and helping to build your credit history. Some credit card companies will either shut down your inactive credit cards or will charge you a fee because you haven't been charging (but many will "reverse" this fee if you buy...

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Are you a lurker? Not really on AnswerBag, unless it's a topic I can't really contribute to. If the question's already been adequately answered, I won't bother repeating that unless it's an opinion-based question. I lurk for the most part on 4chan, though, but I really only bother with the fashion and fitness boards at the moment.

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Do you think we are heading towards an economic Depression? I think that the US is headed towards more inflation, but foreigners will probably view the country as being "on sale" and increase shopping-related tourism, thus increasing retail sales. But, hey, anything can happen.

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What kind of car do you drive? One that is paid for and runs (but needs a few minor adjustments).

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What's the worst thing you've done with a computer? I looked at very naughty things... enough said. :P Or *gasps* pirate music. (Yar!)

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How can i make my own cd. I am talking about my own songs on a cd and making about 50 of those cd's. You might be able to find a place that will press that number of CDs, but the minimums I've seen have been around 100. If you're looking at a demo to send out, you could just burn them on a home computer and print a top layer onto the CD. (There are printers out there that will print directly onto the tops of CDs as well as other mediums, but they may be out of your budget.) As...

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How would you describe the blunder that the recording industry committed by driving Napster out of business in 2001? To what did the downloaders resort after Napster closed down? Before Napster there were FTP searches and directories. (oth.net was one I used back in the day, though looking for concerts.) Next, many went to AudioGalaxy (before it shut down) and other programs. Later on, there were other P2P programs that ran on the Gnutella network. A step in between was eDonkey's technology which, like AudioGalaxy, gave identifying information to sort...

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Any good work from home sites that do NOT cost money up front? Can be typing, data entry, surveys, anything? Almost all sites that charge you upfront are scams. I'd suggest looking for data entry jobs locally. You may need to prove yourself in the company itself for a little while before working at home if you don't have a strong enough résumé. You could also try listing unused items on eBay, though it can be a bit of a hassle and will require a little money for the listing....

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Can I get a checking account at 15 though a credit union? It's possible but highly unlikely unless you have a parent or other credit union member who's over 18 as a joint account holder with you. If something goes wrong, they will generally hold the non-minor accountable since one must be the age of majority (18 in almost all cases) to enter into an enforceable contract. (You agree to pay any overdraft charges, say.)

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How can i get a small $2,000 loan, i have no credit or a checkings account, but my husband does and hes in the millitary. any suggestions? You both may want to look at USAA. They do banking as well as insurance and are rated #1 in customer service in just about everything they do by Consumer Reports, Forbes, and other magazines. It's easier to get a loan through them if you've been a member for a while, but I'm pretty sure they'd still consider you.

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I am applying for my dba in New York State to start a business selling craft items. Do I need to charge sales tax on the items I sell? I'm not sure about the specifics of New York, but in general if you don't charge the customer, you'll be the one who ends up paying the sales taxes. You will probably only be required to charge tax on the sales you made physically within the state or shipped to New York residents. You may want to contact your county's business licensing department to ask. Best of luck!

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If I'm crafting items to sell at craft bazaars, for private orders, and eventually online, do I need to file for tax id number, etc.? I am planning on filing for a dba in the county where I live, but all of the information out there is confusing. HELP!! If you plan to be serious about this (as it seems you want to be), you'd only need the DBA if you plan to set up a business name. You could be a sole proprietor, in which case you would not need a separate tax id number. Personally, I'd suggest trying to go for a LLC taxed as a sole proprietorship as it would help shield you from personal liability beyond the business should things go...

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Hi you guys, my credit score according to 2 companies is 676 and 686. Now, my goal is to get 690 or higher to get a better rate for a loan to buy my first house. I checked my credit report and saw that I have all these accounts older than 7 years that hav If you want a better score, PAY DOWN BALANCES to 10% of your available credit or less and try to increase your credit limits. Also, don't run up a large balance on your cards during the month (even if you pay it down/off) and don't apply for new credit accounts. The FICO score breaks down like this: 35% payment history (any late payments, collections?) 30% utilization (debt to...

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I need to find a site to verify if my name is primary on 2 citibank credit cards in my possession, soninlaw was known id theif, he died, cards were found in his wallet, along with 4 chase business cards known to be fradulant? Any info will be helpfull Th You could just call CitiBank to verify. If you require a website, you could go to www.AnnualCreditReport.com to see a free copy of your credit report from each credit bureau (there are three: Equifax, Experian, and TransUnion).

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Anyone ever heard of annualcreditreport.com??? Its really free, I did it today and it was crazy, I didn't have to sign up for info, or agree to anything else, I hate that crap. but my credit is TERRIBLE but now I know who to call to fix it, when I have $ Yep, I even tell people about it. The reason it's the only site that's actually FREE is that it was set up as part of the FACT Act, which was the federal law that allows consumers access to their credit report. I'd suggest asking your creditors to consider "pay for deletion" arrangement. If they agree, GET IT IN WRITING. This should help boost your credit scores. :)...

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I know I cant be charged interest if I pay my CC balance on time, but what about the APR%? Will that matter if I pay my balance on time every month? You can ask for your credit card issuer to reduce your interest rate (APR) and if you've been paying in full and on time, they should be willing to work with you. I managed to reduce my interest from 12.15% to 10%. I now have 7.75% because the prime rate is no longer being offered. (I'll ask again if rates go up.) If you pay in full and on time it shouldn't really matter,...

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What is the worst Credit Card company in your opinion? Hidden fees, hikes, etc. I'm not very familiar with subprime credit card companies, but I've seen offers for cards that had a $195 activation charge plus an unworldly annual fee and sky-high interest (APR). The US government stepped in after Providian, a subprime credit card company, held checks from customers. This resulted in a late payment fee as well as increasing their interest. Some credit card...

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Do you know a site where I can get free credit report? www.AnnualCreditReport.com ...it's the site that the US government set up after passing the FACT Act. You won't get a free credit score, however, as that was not part of the provision. You can get one from each bureau for a total of 3. Enjoy. :)

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When refinancing a mortgage,Is 10,000 a high cost to pay a lender. Yes. You may want to look at the "no cost refi" ads they have on television. I know it can easily cost $1,000 - $2,000, but you should look around. Bankrate.com should be of assistance or perhaps you could look to LendingTree for offers? At that rate, you may be working with a strictly subprime lender. I'd be wary.

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What was the last bill you paid? Credit card (in full). It was only about $2,000 but that still makes me cringe a bit.

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Would you rather punch a baby, or listen to nothing but William Hung's version of She Bangs for the rest of your life? We're talking one punch compared to a method of torture (play the same thing over and over again)? Also, can we assume it's an evil baby (they do exist!) and I'd be punching it in a non-vital area such as a hand and that there'd be padding to absorb most of the blow beneath it? I hit like a girl, so there should be no harm done. :P (I'm not advocating the...

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A company called Baby Rock Records has created lullaby versions of songs by Metallica, Coldplay and Radiohead. Would you prefer these for your baby rather than traditional songs? Heck no, I'd have my babies listening to Pink Floyd from the get-go. (If they end up half as warped as their mama, all will be right in the world!)

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If you ran into Fred Phelps, what would you say or do? With a KJV Bible in hand, smile, cock my head to the side and say "Jesus loves you" in such a sugary sweet tone it'd make me sick. If he bothered trying to correct me, I could tell him "Satan loves you" in the same way. I used to have people come up to me and say "Jesus loves you" when I was a teen. I used to wear spike collars, fishnets, etc. or would...

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The AnswerBag-Demand Media tagline at the bottom is generated randomly: which is your favorite? I don't see one, but maybe it's because I have adblock on my browser?

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Ladies: Do you usually wear a bikini or one-piece on the beach? I wear a one-piece, but usually cover in a t-shirt and shorts because I've had VERY nasty sunburns in the past. (I'm a redhead with fair skin, so I guess I have it coming.)

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Have a look at these two gay teenagers and what they say about themselves (links in my answer). Fred Phelps would send them to burn in hell. What would you do if you were in charge? I'd do something to shut up Fred Phelps. His flock have been protesting funerals of those who have fallen in war and been general asses to those who are grieving. Their god isn't the one I believe in.

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What is the most expensive thing you have baught not including your house So far, a DSLR, but the next step should be a car. (The one I was looking at was sold before I could get it inspected. I didn't have transportation to get to the dealership during weekdays because they're the next city over.)

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What is your favorite media source that is not considered mainstream? Blogging/the blogosphere, probably. Podcasting a far second. Independent radio can be cool, too.

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Do stringed instruments (violin, cello, etc) hold their value with time or do they depreciate? I don't mean antiques, just good quality hand made instruments? They generally increase in value, especially if they were hand-crafted outside of a mass-production Chinese, Italian, or German factory. ESPECIALLY if they are well-played. The longer they're played and the older they are, the better the instruments tend to sound.

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Violinists, what is the make of your instrument that you currently play on? I'm not a violinist, but my violin was fashioned after a Stradivarius model. I'd have to check who manufactured it, though. I have 2 cellos, too, one a Cremona the other I don't remember.

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How important is an engagement ring to you? I find it important-ish, but would hope that my fiancé would know not to waste money on diamonds but rather put the money towards a downpayment on a house together.

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Are there people in your life who you feel you should forgive, but honestly have no desire to? I've been told that I should forgive people, mostly because it was "unchristian" for me not to. This is part of why I no longer go to church! I'm not going to get into specifics here because those parts of my personal life are personal (unless you're an in-the-flesh friend). These aren't trivial things, though. There are laws against what happened to me. (I...

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My friend is shy about his girlfriend seeing his body, he is asking me for advice because i am confident about letting girls see mine but i dont no what to say to him...any suggestions. Well, he isn't you (obviously). If he WANTS her to see his body but is afraid of her reaction, just remind him that it isn't like she has a camera to take photos and post them over the internet. Oh, and low light/candlelight can be more flattering to certain body types. :P

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Can cheaters or liers change when they finally found love? or will they always be a lier or cheater no matter what? It's true more often than not. Some people learn from their mistakes, but depending on your standards, you may not want to give them a chance to test the validity of "once X always X".

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Is cheating a form of abuse? It could be a form of emotional abuse if it's intended as such. I'd be wary. "Once a cheater, always a cheater" isn't universally true, but it is more often than not.

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I am getting married Saturday! Any advice for the years ahead? Remember how you feel this day and keep that alive in your hearts. Remember WHY you got married in the first place, why you CHOSE each other to spend your lives with and choose to remain with on a daily basis. Oh, and make sure that you both know that at the end of an argument/discussion, whatever you decided, the wife is always right. :P

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My School Musical Competition-Should i enter? I was going to enter , but im not quite sure now cos i dont know if its any good please could you watch it and comment on youtube? thanks the link is: http://uk.youtube.com/watch?v=CrU3zJwiW5c Go for it, girl! I'd suggest learning to play the song on keyboard rather than singing it as karaoke. You may also want to bring it down an octave or so. You could replace the drumming with left-handed chords. Good luck.

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What song could I play at my wedding to dance with my grandfather? It depends on what mood you're going for (fun? formal?) and how spry he is. My vote goes for "The Macarena"!

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Would you prefer a traditional wedding? I'd rather do my own thing when getting married. I was planning a wedding with a guy I was with and decided that I wanted to get married at night, in nature, and dance beneath the stars. I wanted to design my own wedding dress in rich colors, with gorgeous accessories, and play the music we loved as individuals as well as what we liked as a couple. We were going to have a potluck reception...

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Does anyone know how to make ornaments with photos inside them? if so what size would the photo be? There are many different ways to make these. You could make these to the size of a mold if you make it with resin. (The only problem would be that you couldn't change out the picture.) You could also use glass or plastic plates and wrap them closed with wire if you so desire. It can look really cute. I'm trying to find directions and will post a link in the comments if/when I find...

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Does your boss yell at you, or has your boss ever yelled at you? I've always been my own boss, but my one and only employee was more trouble than he was worth. He was rude to my customers and misrepresented my merchandise, after I spent months building a reputation of being honest and having good customer service.

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How come points I give out don't always stick? I will give someone points but they doesn't show up with I go back to the question later. I don't know. Care to give me some points to see if it works?

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Do you have any questions of yours that you wish would 'just go away'? Not really. I just wish I would have been more specific in one of my last questions. Apparently people thought I had some major issue or something. (I just meant that I think it's creepy for a grown man to refer to his love interest as "my girl". I mean, how hard is it to say "girlfriend" instead?)

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If all you wanted for the last 3 years was to marry the person you were with do you think it's likely to all of a sudden start doubting that? It happens. Sometimes you can just wake up and not feel the same way, but more people just slowly fall out of love/lust or mistake moving into another stage of the relationship as no longer being in love. Doubt is normal, it's what you do with it that matters.

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How do you have sex? In my fantasies, listening to the "Wish You Were Here" album by Pink Floyd with a willing (yet somewhat SAMmy) sub (or two or three or... you get the picture), high-quality leather restraints (for him/them), a heart-shaped riding crop, some champagne... I'll stop myself here before I get too worked up. ;) In reality, I'm not going to kiss and tell (but I may sell a video...

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Which r your favourite anime series? Gravitation. Hellsing was great, too.

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Since I am in debt, My brother has offered to give me 10,800 yearly to help me out, will I have to pay income tax on that money since we are brothers? Nope, you can be given up to $12,000 per person (so if you had another sibling, they could both give $12,000 each for a total of $24,000) per year without tax penalty. If there is a gift of over $12,000, the GIVER and not the recipient is responsible for the taxes owed. Be sure to make it up to him someday, ok?

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Who do you know that was born on Christmas day (not counting Jesus)? Jesus wasn't born on December 25th, but Sir Isaac Newton, Clara Barton (founder of American Red Cross), Humphrey Bogart, Little Richard, and Jimmy Buffett were.

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Do you celebrate Read Across America Day? I've never heard of this before, actually. So no, I don't celebrate it.

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Can you explain what a Protestant is in relation to the Catholic church? Someone who is going to push their brand of faith on them and say that they're going to Hell because they aren't "saved" yet. Depending on the denomination and the church within, Protestants can be very hostile towards Catholics. I used to go to a non-denominational Protestant church that was strongly anti-Catholic. I left that church because they were forcing tithing a...

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Do you like taking long walks on the beach? Only early in the morning, near sunrise or sunset, or in the evening. The air's cool enough, there aren't crowds, and I don't have to worry about burning! The water absolutely shimmers under the moonlight.

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Why people in india wear dress shirt & dress pant on the beach? Europeans and Americans haven't always worn skimpy swimwear.

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Are you a gardener? I'm currently growing rosemary that we brought inside before the frost. I hope to grow more basil and other herbs this year, but we've been having a bad drought where I live, so we aren't allowed to water them. I've been taking what's left in a glass of water (that I otherwise would have put down the drain) to water the houseplants. If I don't move, I'd...

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What do you do to kill time in an airport with a 2 hour layover and only 10 dollars? I've managed to spend time listening to books on tape or podcasts I'd downloaded or reading books I'd brought along. I've also yaked on my mobile phone to burn time. I tend to go to a fairly secluded area to talk, though, because I don't wish to disturb other people. (This is when roll-over minutes come in handy!) Perhaps you could write a poem or song lyrics on a...

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Will I have enough money left at the end of the month? It depends on how much you consider to be "enough", how much you have to start out with, how much your expenditures are, how much you'll make during the month... Prediction: "Maybe"

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How do i get my girl horny? Tell her that you want to make it your mission tonight to please her and ask her what turns her on and what she wants you to do.

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Do oysters really make you horny? They don't do a thing for me, but the zinc is supposed to help.

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What makes you really horny? Shemale/t-girl/chicks with dicks/tranny and/or crossdressing. Gothic fashion (especially fishnets). I'm strange, I know. I've had a few relationships with transgendered individuals and they were the best I've had yet. I don't go for biological females, though, go figure!

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Over half of the furniture stores in my town have gone out of business in recent months. Has this happened where you live too? In Baton Rouge, a family-owned furniture business that had closed its doors after somewhere around a century in business. I don't remember the specifics, but that was depressing. There were television ads when I was visiting down there in November or December last year.

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I am selling my house. I have lived in it for 2 of the last 5 years. Do I get a tax break on the profits? If it has been your primary residence, you don't have to pay capital gains tax on the first $250,000 of profit or $500,000 if married and filing a joint tax return. For more detail, check http://www.irs.gov/faqs/faq10.html

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When people start a question with: "Ladies," and then go on to ask about relationships involving men, do gay/bi men answer it anyway, even if it says it's directed at ladies? [And the same goes for when questions are directed at men]. There are heterosexual men who answer that sort of question as well, depending on the question itself. Some people just want to give advice and help, others just like being heard.

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What is the best kept secret of the rich? ** DON'T GET TRAPPED IN DEBT ** - You're worth more than you're being paid. - Be an OWNER (of your own business, vehicle, and real estate). - Don't waste money trying to appear rich. (Leased luxury vehicles, expensive designer clothes, diamonds and precious metal jewelry all DEPRECIATE! Caviar and aged wines are consumed with nothing to show for it but a memory.) ...

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What is the name of the Simpsons episode where a new kid at school joins Barts club of rule-breakers but is really a snitch for the principal? And what is the name of the song they play in the middle of the episode? Here's the music video for "I'm Shipping Up To Boston"

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What is the name of the Simpsons episode where a new kid at school joins Barts club of rule-breakers but is really a snitch for the principal? And what is the name of the song they play in the middle of the episode? That episode is titled "The Debarted" (a play on the movie "The Departed" that had a similar theme... only a lot bloodier.) The song is "I'm Shipping Up To Boston" by The Dropkick Murphys.

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How much should a 15 year old (5'5") weigh? BMI and estimate charts for those who aren't fully developed aren't very accurate. It depends on your sex, activity level/musculature, etc.

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Have you ever burned you tongue? How long does it take to heal for you? I have several times. It usually takes at least 2 days if it was from hot food or drink.

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Have you ever had a bikini wax, if so how old were you and how long did it burn? I've never had one, nor would I ever. I can shave if I need to, but I VERY RARELY go in public where that region would be visible. I'm not very hairy at that part and the hair on my upper thigh turns more clear/blonde. (If my pubic hair were showing, it'd be awkward, I'm sure. Red over pale/white skin could scare people!)

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Old Pink Floyd, new Pink Floyd or Floyd the Barber? It depends on my mood. Syd Barrett was nuts. By old do you mean "Dark Side of the Moon" days or "Bike" and "See Emily Play"? I love some songs from Ummagumma as well as from A Momentary Lapse of Reason. I enjoy a lot of Pink Floyd, but they're different beasts, really.

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Are you a parent? would you like to be a parent? I'm not, but I think I'd like to aside from changing dirty diapers, wiping up "spit up", changing sheets when the kids wet the bed, dealing with the emotional disaster of puberty, dealing with the teenage rebellion, worrying if I've done the right thing and my kid(s) will end up okay... I think I'll just start with a pet or two with my spouse (should I get married,...

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Don't you wish you had more euros than dollars? Yep, as long as I could later convert them to dollars without a fee and put the extra money into my bank account to be gaining compounded interest. :P On the other hand, if the Euro was weaker than the US dollar, I'd probably stick with my own country's currency. (There's generally less tax in the United States, so the buying power of equivalent money is better over here.)

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How much is a 1920 U.S. penny worth today? If you spend it, one cent. If you plan to sell it, it depends what condition it's in and who's buying. (Some are willing to pay more if it's a "missing coin" in a collection.)

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Has it been a tough winter for you financially? Not really. I've taken a drop in income because the interest rates have lowered, though. I'm working on purchasing a car, so that will greatly deplete most of my savings. (I could, of course, try to take out a loan, but I'm too cheap to pay interest and don't want to bother with making another payment each month.)

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What do you do with your old perscription Glasses? I wear mine until they break and then go in for another pair and another prescription. I still have my broken pair in case I can fix them at some point. I've only been wearing glasses for 4.5 years, though, so my Rx hasn't changed much.

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What is a good book to read if you have a short attention span an get bored easy? The Far Side... or not. I can't really help you out when it comes to novels. I read non-fiction nearly exclusively, even though I'm a bit ADHD.

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What do the numbers in my wi driver's license number mean? the letter is the 1st letter of my last name, the 7th and 8th numbers are the two digit year i was born, the last 2 numbers are how many id's are issued with the same name. what do the rest mean? It's a conspiracy to distract you. While you're searching for the answer, gremlins and FBI are stealing your thoughts because you aren't wearing your tin foil hat. Tisk, tisk! You may want to check with other WI residents. I'd imagine at least one number may be a checksum.

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Ever had an ich that just wouln't go away?? = P Oh, this is brilliant. I never go away. :P

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I owe $400 to one credit card and $2000 to another one. Both have the same interest rate. Which one should I focus on paying off? There are different ways to answer this. What would do best for your credit score would be for you to pay down the one with the highest utilization (debt-to-credit-limit ratio). What would be best for you would be to pay off the lower balance so that you only have one bill to worry about. Plus you may very well get a feeling of accomplishment to pay off the card. Have you considered...

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I asked him more dan 100 times to 4give me! but he didnt! i want him to just 4give me! i did all wat i can do! but he keeps on sayin dat they were the best 16 days of my life after i left u! he says dat he hated me! & dat doesnt want 2 talk 2 me! If he isn't into you let him go. It's not worth forcing him to be in a relationship. There will be resentment. Try to live without him. If it's meant to be, he'll come around. If not, move on with your life. There are other guys out there. Was this all over the e-mail/cousin thing?

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What is the difference in sound between a 12 stringed guitar and a 6 stringed guitar? The 12 string guitar, if properly tuned, will have a richer sound. There are examples of a 12-string's sound on YouTube, though the players aren't always the best.

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Would you be upset if your husband emailed a female friend that is single and called her sweet-cheeks? Do you consider this as flirting? It depends on the guy and the female friend. Most guys I've known would mean it sarcastically. What difference does it make if she's single? If he's going to cheat, would it make you feel worse if he were cheating with someone who was also "taken"?

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How many (if any) times would you tolerate cheating in a relationship? It depends on what you define as "cheating". All of it makes me cringe, but I don't think I'd mind if my partner kissed or caressed a guy. I'd prefer he do it in my presence, though. (Wow, that makes me feel like such a perv!)

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How important is your credit score to you? Are you kidding? I base my self-worth around it! ...No, I'm not THAT obsessed, but I try to keep it decent by paying on time and not maxing out my card and such. I'm in the process of starting a business and I need a good credit score to get favorable terms on loans. I'm still self-funding at this point, but I may need to take on some debt to expand later on. (I do NOT want to...

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Do you remember the show "freaks and Geeks" ? Do you know why it was cancelled? I thought it was very good From what I understand it was due to poor ratings. The show was constantly being preempted and the time slot changed. I was disappointed because it reminded me of a more modern "Wonder Years." It's out on DVD now, though (18 episodes on 6 DVDs).

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What is the best credit card for a new college grad with only student loans as credit history? (ie - no credit history) If you have the option, I'd suggest going to a credit union as your first option. If you don't have access to a credit union, you may want to try for an unsecured card from a bank you have a relationship (checking, savings, etc.) with. Make timely payments and try to pay in full if you can so that you don't get stuck paying 18-21% interest. You'll probably start with a...

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Does anyone know of any "hard lenders" who would loan US$100,000 to support a business plan overseas. It's for a multispecialty health clinic. Been search for months. With that sort of exchange rate, lenders may be hesitant to let you borrow. A rented doctor's office is good, though. Depending on which specialties are offered, it may be inelastic demand. Are there doctors ready to work in the clinic you'd like to open? Write these details and others in a business plan and submit it to potential lenders. There are business plan books and websites...

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If 3 grams of a product cost 10 dollars how much would 20 ounces cost? It depends, is there a bulk rate?

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I have 23000.00 in debt. i want borrow half of my 401k.then combine that with my salarie from my part time job. to pay my household bills for one year. then use my full time salarie to pay off all my debt.that will get me out of debt in just one year. I wouldn't touch the 401(k) because you'll be taxed taking it out, have to replace the funds with money you've already been taxed on, and will have to pay a 10% penalty.

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At 21 years of age with $7,000 worth of debt and no job due to a medical condition, should one consider bankrupcy? No money to pay ANYTHING towards the bills at all. Is it even possible? I would not advise bankruptcy. What kind of bills are these? STUDENT LOANS ARE NOT BANKRUPTABLE. Contact your lender(s) and ask to be put on hardship deferral. Most credit cards are unsecured. They will threaten to sue you and garnish your wages and make your life a living Hell, but they will likely only continue calling and being generally rude. If this is the case, close/cancel the...

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My sister-in-law, unknowingly to me, ran up £18,000 of debt in my name, and because i point blank refuse to pay it, and so does she, i'm filing for bankruptcy - if this happened to you, would you still talk to your sister-in-law? I wouldn't file bankruptcy, I would file identity theft reports left and right, though, and claim that the debt was not mine. I imagine you were not aware of the accounts? In the United States, if you can prove that it was identity theft, you do not owe the money. I'm not sure how it is in the UK, however. As for the second part of the question, I would talk to her in court. The...

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What is the currency used in Ireland? and let's say i spend 10 dollars at a subway for lunch, would it cost more in the U.S. or less in Ireland? Ireland uses the Euro and, depending where you are, will also take plastic (debit card, credit card, charge card). Prices vary from country to country, but the US dollar has weakened in recent months, so it will likely cost you more. Most things will cost you more in other countries because of additional taxes that you aren't used to if you're an American. (Unless, perhaps, you...

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What are some PROS and CONS about filing bankruptcy? PROS: The creditors will stop calling. You'll be given a new start, albeit worse off than if you hadn't filed for bankruptcy. CONS: The bankruptcy can affect your credit score for 7-10 years. Some lenders ask if you've ever filed bankruptcy. After bankruptcy, subprime credit cards offer horrendous interest rates and annual fees. Bankruptcy can be a major emotional stress. A...

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Is there a difference between credit score and FICO score? Yes and no. The FICO score is the standard in lending. Most people refer to the FICO score as a credit score. A person would have 3 FICO scores, one for each bureau. The bureaus and even outside companies have developed their own algorithms and call these credit scores. A common one is the "VantageScore" which ranges from 501-990, whereas the FICO score ranges from 300-850. Some...

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How do you break into Real Estate? With a crowbar? Seriously, though, lending standards have tightened, especially since a good portion of this subprime mess was from flippers using OPM (other people's money) and missing mortgage payments (many not making ANY payments). Make sure you have a good credit history and means to pay the mortgage (even if you have a paying tenant, you should be able to handle the property until...

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Why do we put up with the car dealers? There is no other product that you have to try and guess the price of, as it were, except bloody cars! And I never met a consumer who thought it was a good way of purchasing one! I like the idea of haggling and dislike "no haggle prices" because the dealerships seem to think there's no room for negotiation. Sure, they charge less than the sticker price (MSRP), but they still charge loads more than the invoice. Even if you pay invoice, the dealer still makes money due to holdback and other factors. Dealers make more money from the financing, but if I...

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Approximately what year did automotive dealers launch financing to consumers to purchase cars? 1919, the founding of GMAC.

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What is the name of the gas station you most go to? Sam's Club. If I'm in the next town (well, city) over, I'll stop by the Raceway because they have the lowest prices. I don't drive much, though.

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Do you think gas prices will ever drop below $2.00 again? Only if the US dollar strengthens and India and China reduce consumption/demand.

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On May 15th there is a national gasoline boycott to protest gas prices, will you stay away from the pumps on May 15th? If I do, it'd only be because I'm afraid of how expensive it'd be to fill up, even with a fuel-efficient vehicle.

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Can you spare some change for gas? Nah, that's why I use a card that gives me cashback. At least it takes off about a cent or two per gallon.

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What's the lowest you remember gas prices being, at any point in time, anywhere in the country (USA)? I remember gas being around $1/gallon around the time I started high school (and before I could drive). Ahh, the good ol' days.

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What is your favorite brand of bar soap? Tone, though Dove has some nice scents too.

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What does the hand-soap in your bathroom smell of? Under the sink: plumeria, Moonlight Path (Bath & Body Works), Tone (I don't know how to describe the scent), fresia, coconut lime verbina, raspberry, vanilla, etc. I tend to wait until the semi-annual sale at Bath & Body Works and buy, like, $20 of glycerin soap bars at a time when they're on sale for $1 each. :P I also have some milk protein & honey liquid soap.

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What is your favorite candle scent? "Fresh Linen" is awesome as well as "Cotton Blossom"... they're both light, clean smells. My favorite candle, though, was one I bought at Pier 1 Imports, but I don't recall what the scent was called. :( (It was a dual-scented candle, though, and the combination is made of "win" and "awesome".)

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Do you favor handmade soap over commercially sold beauty/bath "bars"? It depends who makes each. I enjoy the rose-scented Dove bar, Tone, and Bath & Body Works glycerin soap, but I love goat's milk soap (if it's well-made). I've seen some people "guesstimate" the amount of lye they use in soap and I wouldn't touch it, even after weeks of "curing". (I've discussed soapmaking with chemistry professors. I think...

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What can I do with leftover bars of soap that are to small to wash with anymore? Make liquid soap. Put the sliver and some water into a pump, let sit for a week or so, stir it a bit, and pump. Some brands are easier to use than others. It's also easier if you cut or grate the soap into flakes because of the increased surface area. I usually just lather them onto a rag to finish them off, though.

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Without looking, can you name the brand of soap that is in your shower right now? Tone by the tub, Irish Spring in the shower. I <3 Tone.

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Do you think your astrological sun sign represents you well? http://mizian.com.ne.kr/englishwiz/library/names/zodiac/contents.htm I think it works fairly well. I thought this was amusing: "Have you always secretly thought Brigham Young had a sensational idea when he advocated several wives for one man? Do you inwardly envy the Eastern potentates with their harems? You needn't resign yourself to romantic Walter Mitty daydreams. Just marry a Gemini girl. That way, you'll be guaranteed at least two...

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Are redheads crazy, or is it just me? No, it's just me.... well, that and I'm a Gemini and a female. (Redheadded women are stereotyped as intense and sexually desirable. Sounds about right.) :)

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I bought a used car and the insurance is cheap, but I'm planning on getting a new Toyota Prius, since the fuel economy on Prius is great, so I spend less on gas but my insurance will definitely go up, so do I still save money? If you're concerned about the fuel economy, go with a Honda Insight that gets 70 MPG... if you can find one, that is.

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Have the high gas prices made you cut down on going shopping? Do you have less money to spend? Nah, I don't "shop" much. I still shop online for certain things, but that's because I can get a better price that way. I've done some driving trying to get a (used) car, though. I visited 4 dealerships in a day. I was about to scream from the stress. (The car I wanted to buy was sold, my second choice from another dealership had serious rust that wasn't pictured...

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How high would gas have to go before you would consider giving up your car for a bike or horse? I'd bike more if it weren't for the people who drive so freakin' fast... I need the exercise. (The only problem would be grocery shopping. Oi!)

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How high would gas prices have to go to force you to stop driving? I don't think I really have an answer for this. I rarely drive, but I need to as public transportation in my area is nonexistent. I'm lucky in that most of where I need to go (grocery store, etc) is within a 5-mile radius.

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Http://www.colorquiz.com/ wow this is amazing, is it true for you? I thought it was interesting. "Able to achieve satisfaction through sexual activity." HAH! My sex life is non-existent. (Go me!)

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Do anyone believe in astrology and why ? by the way i"m a scorpio I find it to be interesting. I'm a Gemini and I tend to fit the profile fairly well. I have a twin brother, however, and though out natal charts are identical (we were born minutes apart), he's just about nothing like me. Go figure!

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How much would you have to win in the lotto to quit your job? I don't have a set limit, but I'd probably want to continue working as a hobby. If I just called that retirement rather than a job, though, I'd probably need at least $500,000 after taxes. I'd buy a house and pay it in full, as well as keeping enough in the bank to pay for auto repairs and possible home repairs. I'd invest the rest long-term.

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If you were a rich person how would you know if your friends really like you or are just after your money or status? I just wouldn't let on to my financial status. When people find out my credit limit, some act like I'm rich. I'm not. I can just dig myself into a deep financial hole if I don't use my card wisely.

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What's a good website to check local gas station prices around your town(In USA)? GasBuddy.com For where I live, DurhamGasPrices.com and RaleighGasPrices.com (both part of GasBuddy)

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Would you rather have a boss who didn't care what you did (showed up late etc. ) or a boss who cared how you performed and represented yourself? If I had to have a boss, I'd prefer one who would be more laissez-faire but would still give me constructive criticism. Unless I'm being paid a wage, I'd rather have the freedom to do the job the way I see fit as long as I get it done completely. I like being my own boss, but I'm more self-motivated than my peers. Go figure.

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Women: What do you consider the worst profession, prostitution or hard core porn actor? What about "gold digging"? It's like prostitution with more pretense. I don't think they're both super-evil, per say. In Nevada prostitution is regulated and prostitutes are required to get STD testing. Outside of Nevada and Rhode Island (the only US states that legalize prostitution), prostitution can be very dangerous (because of the clientèle) and many...

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Am divorcing with my husband and we had a huge revolving accts from credit cards of which all are under my name,cuz he dont have good credit...is he liable to pay half ot when we're getting divorced? will the judge order him to pay half of it? The judge may order him to pay a portion of the bill, but if he doesn't pay (and you don't), it would only affect your credit. (Divorce can wreck one's credit if one doesn't keep on top of it!)

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What makes you feel warm inside? Hot cocoa, tea, mocha latte, soups. Need I continue? :P

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When was the last time you had peanut and butter A few months ago. Melted butter over roasted peanuts then powdered with cinnamon sugar. Yum! :)

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Has anyone got hold of your credit card details and used it and if so how much did they get and how did you get it sorted out? I've been lucky enough to not have my credit card information stolen. I do enough to keep the information secure from my end, but there are laptops stolen and networks hacked. Think about what happened at TJX (TJ Maxx and its other stores).

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If you overdraft your bank account, do you owe them what you spent and a charge... or does it build interest like a credit card?? Approximately how much are these charges (I know they vary w/your bank and kinds of accounts) It depends on your banking arrangements. The "line of credit" may very well charge interest, but it may be wort it to avoid a $25 or $30 NSF fee for each transaction. (This is part of why I use credit cards and have enough cash in the bank to pay my bill in full and still have some cushion.)

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Are you in trouble with your credit cards? How much? I've never been and hopefully never will. I may end up putting about $6,000 for a used car if I can't get a cash discount or negotiate a lower price. (The reason I'd do that is that I have a high enough credit limit that I'd still be under 25% utilization, and I'd be able to pay in full, allowing me to get some "cash back" and a month or two to be gaining...

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Who would you trust with your pin number? I've let a few people know my PIN, but only because they were the ones driving at a drive-through ATM and I had to pass the card over. I, however, keep my credit card number under wraps unless my mother needs to know it to make a purchase over the phone or online (but she reimburses me and we get an extended warranty and I get some cash back).

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Does anyone know of any "hard lenders" who would loan US$100,000 to support a business plan overseas. It's for a multispecialty health clinic. Been search for months. Lenders are tightening their standards and it's harder for those in the US to get loans from traditional banks, even if they have a sound business plan. If you plan to locate your business overseas, it may make it all the more difficult. You may want to review your business plan or look for lenders in the country you plan to locate in. $100,000 is an awfully small loan for a health...

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Where can I get free credit report? If you are a US Citizen, according to the FACT act, you are entitled to one credit report per year from each of the 3 credit bureaus. You are also entitled to a free report if you are seeking employment, have been denied employment based on your credit report, or have been denied credit based on your credit report. The website is at www.annualcreditreport.com if you wish to order via the...

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I DESPERATELY NEED HELP FOR MY SON WHO IS ALONE IN INDIA AND HIS LIFE IS UNDER THREAT. I AM UNABLE TO HELP BECAUSE I AM OLD AND POOR AND THE PEOPLE WHO ARE OPPRESSING US ARE RICH : Here is my true story : My name is Saroj (Mina) Mehta. I am 69 years old. If this is a legitimate attempt to get help, I suggest contacting Amnesty International. You may also wish to have your son seek sanctuary at a Christian (Protestant or, more likely, Catholic) Mission.

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Will there come a time, when paper currency in America will be extinct? will plastic credit and debit cards eventually take over as America's form of purchasing and payments? I don't believe so. Some people still write checks even though it's considered archaic by today's standard of check cards (debit cards). There's just something about currency that's comforting to some people. Besides, How would one drop change into the Salvation Army kettles around Christmas time? How would the Tooth Fairy leave money under the pillow? How would...

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Will you lend me twenty if I promise to pay you back as soon as I get my check? Twenty of what is the question. :P If $20, I don't have the cash to spare, sorry. (I'm still waiting for $3,000 I lent a friend.)

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When it comes to spending, which plastic do you use most often: debit cart or credit card? I use a credit card exclusively. Debit cards are too dangerous for my taste (if stolen, your checking account can be emptied without the use of a PIN) and don't offer me the protections of my credit card (free death & dismemberment insurance while flying, free rental car insurance, free extended warranties, fraud protection, etc.) I pay my bill in full and on time and don't use it...

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Has anyone had success in negotiating a "short sale" on a bank financed auto? Most will not take a short sale. They will sell the car for what they can get, either at auction or as a trade-in to an auto dealer, and you will still owe the difference. In any circumstance, you're better off either working out a payment plan or selling the car on your own and getting a loan to pay the difference.

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Who are the 3 actors who are in the free credit report.com commercials..the ones who sing and play workers in a restaurant? The singer is Eric Violette. I'm not sure about the other two, though.

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If a person won the lottery, would it be okay for that person to toot his own horn? would you? They can do whatever they want to, but winning the lottery requires zero skill or intelligence, it's just playing the odds (which are NOT in your favor). Sure, one may have a strategy in choosing the winning numbers, but wins are rarely replicated. (It's happened before, but there's no correlation.)

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I am going to get my tragus pierced and I was wondering what is the best type of jewelry to use when getting it done? Should I use a hoop with the ball, ring, or a barbell? I'd suggest an internally-threaded titanium labret post because it can have a cute look and is simple enough to clean. I don't think there's a difference between a "hoop with a ball" and a ring, unless you're talking about a segment ring or the "hoop with a ball" is a horseshoe-shaped curved barbell. Once the piercing is healed, you can change out the...

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If you get your belly button peirced, will the hole stretch when you get pregnant? It can, which is why some choose to switch to PTFE or Tygon during pregnancy. It seems to be more of a question of length than gauge, though.

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Have you ever been given a cheque by someone, when, upon cashing it, it came back as "Insufficient Funds"? How did you approach the person the cheque was from? This has happened to me when I was working over eBay. The user was a deadbeat and I was stuck with a bad check fee from my bank (not the NSF fee, because I was still waiting for it to clear). I never saw the person again, but I changed my policy to PayPal/Money Order only. I also quit doing business with that bank because they charged me this and other fees and didn't think it was good...

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Is it possible to exist in today's society without using a bank or having an account? It's possible, but horribly inconvenient. It makes it next-to-impossible to buy a house if you have no credit history and want to walk in with a bunch of cash you've been saving under the mattress/in a shoebox/buried in the yard. It also makes it difficult to deal with an emergency if you're away from home. I'm just glad that I no longer have to deal with money orders. ...

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Fella`s,if you could dress up as a woman for one day, do you think joey public would treat you totally differently? I'm a biological female, but I'm sure it'd happen. If a man is "passable," especially. I have two ex-boyfriends who can easily pass as women and I've befriended others. I always get this naughty rush when a heterosexual male hits on one of them. (Yeah, I'm weird that way.) I've also had friends who've gone out in public "dressed up" and...

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One penny x 2 x power of 30. And each days wage added up total. Are you wondering what the summation of a penny doubling each day for a month is? The formula would be ((2^n - 1) / 100. n = number of days There are 100 pennies in a dollar, so you can get to decimal form. To find out how much you made that day, take it's 2^(n-1) because you had to double the initial penny to get into base 2 from base 1. 2^0 = 1 2^1 = 2 2^2 = 4 2^10 = 1,024...

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What is a quick (by 2/16/08) and easy way to make, let's say $300? I need the money for a concert ticket. Starts June 12th to the 17th. I don't have a job. I guess it's past your deadline, but eBay tends to work out okay for if you're willing to part with your stuff. You could also hit up family and friends for loans and do odd jobs to pay them back.

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Is e-currency exchange a real opportunity to make money online? Most of those sites are either outright scams or Ponzi schemes. I'd avoid it.

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How can a person make honest money online and make sure that the sources are real? Most "work from home" sites are scams. Selling items over eBay would probably be the simplest and safest, though I've dealt with scammers issuing charge-backs for items they'd received.

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Does anyone keep a lot of cash out of the bank in case of worldwide computer failure? No, but I have a bit more than $4,000 in cash because I'm hoping to buy a used car and haven't gotten around to taking the rest out of the bank yet. (I'm still negotiating the price and trying to get a cash discount. My first pick car was sold by the time I had transportation to the dealership. ARGH!)

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Do you have an online business?How much do you earn a day from it? I'm in the process of taking my new business online. I had an online business in the past and the income varied. I was working on low profit margins and it came back to bite me when my bank jacked up its business banking fees. (I no longer do business with them... jerks!)

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What are you doing with your taxes this year? I'll be paying them, I'm afraid. Stupid, stupid IRS and Keynesian economics! I don't withhold more than I need to, so I don't get a refund. Being self-employed can suck. :(

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Are you offended when asked how much you earn I'm not, but I don't base my worth around it. My income varies, though, because I'm self-employed.

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Do you prefer giftcards to specific stores or ones that are acceptable where ever a creditcard of the same company is accepted like a Visa giftcard? I know this may sound tacky, but I prefer cash gifts. There is usually some charge to "prepaid credit cards", either to fill or to maintain. I've been known to sell gift cards I've received for the face amount and use that money to get something I've wanted at a flea market (I used to buy one-of-a-kind hand-crafted items) or another store. I greatly appreciate the...

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I'm a shopaholic. My husband is 2 hrs away right now going to college, & my son and I are living w/family untill I save enough money to move there, I cant stop myself from using our credit cards to buy stuff tho, should I take out a loan to pay them off? I'd suggest going to a Debtors Anonymous meetings. You can find locations of meetings at http://www.debtorsanonymous.org/ If you have a decent credit history, household income, and FICO score, I'd suggest getting a Blue card from American Express transferring balances from your other credit cards. This should let you lock in a 4.9% APR for the life of the balance transfer. Just...

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I have three credit cards with a total credit line of $4,300. I don't use my credit card often, but would like to apply for this mastercard because of the low APR. Should I apply for this new card or not? It wouldn't hurt (as long as you're accepted and if not, it will only affect your FICO score for one year and show up on your credit report for two years), but I would advise that you pay your bill in full every month rather than having to pay ANY interest.

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What is the minimum age to use a credit card available to minors? If the minor is an authorized user of a credit card, the minimum age is 16, I believe. (I know this is true of American Express, I'm not sure about other credit card issuers.) Minors can use debit cards as well as "prepaid credit cards" without issue, though they may be asked to show identification.

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Do you use a credit card (or credit cards)? If so, how often, and for what? If not, why not? I have one credit card that I use for every purchase I make (other than cash-only transactions, such as at a thrift store or dollar store, but I run to an ATM for that). I use my card because I get cash back and because I pay the card in full and on time every month, I get a 25-day grace period, so I basically get a one- to two-month float on my money, depending if I make my purchase at the...

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Which credit card do you think is looked upon more favorably: Visa or Master Card? Visa and MasterCard are both almost universally accepted and I think that both are looked at about equally. There are some places that accept MasterCard but not Visa (such as Sam's Club) and others that accept Visa but not MasterCard (such as Dollar General). Both are about as easy to get. As for prestige, American Express is harder to get (they generally have higher standards) and...

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To get some quick cash (about $500), would it be better to write myself a check and cash it or make a withdrawal from my savings account? It depends on a few factors. Do you have the money in the bank to cover the check or would you be "kiting" (relying on the time it takes to process a check)? Also, does your bank require a minimum amount in savings to avoid maintenance fees and if so, would the $500 put you below that limit? Writing yourself a check can take a while, especially if you're trying to cash it at...

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What is the deal with the internet pay day loans? How do they work? Are they recommended? What are the terms for payback, etc? Advise please! Stay FAR away from these. I've seen some advertised on television (one ad has Gary Coleman) and the fine print states that the APR is over 99% (which means that the APY is even higher!) and there are often also fees associated with this. The way it works is that the lender wires/transfers money into your checking account and you use the money either by debit card transactions or by taking...

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My 41 yr old son's dad has been diagnosed with Multiple Myeloma, been sick 8 months. Rejected our Autistic son yrs ago, but son still hurts from his father's absence. Should I tell my son about his father's illness or just wait and see how things turn out Because MM isn't hereditary (to my knowledge, I'm no expert), you wouldn't need to let him know for health reasons. As an outsider, I would suggest telling your son as it seems only right. I've no clue on the level of your son's autism, but if he's "functioning", I'd suggest either you or his father tell him. If his father still doesn't want...

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How much would someone have to pay you to read Rosie O'Donnell's autobiography? I'm not sure, but it'd have to be enough that it's worth my time. There are people who pay to read her (i.e. those who buy her book), but I'm not one of them. ESPECIALLY if she writes in the same style as her blog postings. (It's like trying to read a 12-year-old's "text speak"!)

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How much would you be willing to pay for a robot (like Rosie in The Jetsons)? Very little. I view some housework as physical exercise (take THAT calories!) and would rather have human contact and companionship outside of the internet. (Which is human-based, but there's a difference between writing words on a screen and interacting in real time with voice and vision and such.) Also, I'm on a rather tight budget. :P

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WHich do you prefer for your banking needs...Credit Union or Regular Bank? I prefer credit unions, but I have used "regular banks" because of convenience. I prefer online banks to "regular banks", though, because of high interest on savings accounts.

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What can i do to improve my analytical skills in accounting? Practice, practice, practice. You can probably find used textbooks rather inexpensively, especially if they're older editions.

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I would like to donate a large sum of money to a worthy cause, Which cause would you suggest? I'm surprised that I didn't see "The March of Dimes". Your memory's still alive, Blank.

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If i file bankruptcy will i lose my house It depends on many factors. Texas, for example, has strong homestead laws that protect people's homes. Are you including your house in the bankruptcy? Typically, I'd advise bankruptcy only as an extreme last resort. Be aware that student loans are NOT bankruptable and that most credit cards and hospitals (medical bills) are willing to take a settlement or a payment plan.

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In light of the recent "Credit Crunch," may someone make a parody of Cap'n Crunch cereal? I'm sure it's been done before, most likely through PhotoShop.

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Should you ever lend an ex money? It depends on the person, really, and what the loan is for. Typically, I'd suggest that my exes take out a loan at a credit union or a bank they have a relationship with or even put things on a credit card. If they've been turned down by banks, family and friends before me, there's typically a good reason. If they NEED the money, I'd consider it if I could have...

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I have read that people who have investments(stocks, Etc.) can be exempt from the taxes that are mandated by the irs, is this true? If held for greater than one year (i.e. one year and one day), investments are exempt from income tax. You'd still owe capital gains tax upon sale. Life insurance, Roth IRA, and annuities are non-taxable. Traditional IRAs, 401(K)s, 403(B)s, etc. are tax-deferred. Real estate that has been held as a primary residence for 5 years and lived in for more than half of the last 5 years is...

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5 years ago, my boyfriend went through a rough patch, now he has credit debt, a repo and an eviction haunting him. I am recovering from bankruptcy with 1 CC in EXCELLENT standing. What are our chances of renting a house? If the last negative item was from 5 years ago, he shouldn't have as much trouble getting into a rental, especially if you're in a desperate market. How long ago did you file for bankruptcy? Did you have extenuating circumstances (such as an illness, injury, job loss, divorce/break up of a domestic partnership)? If you're trying to rent from an individual, you can explain the...

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I'm considering buying a 2003 ECHO coupe w/automatic transmission & 70,000 miles. I was wondering if there was anything I should know about the ECHO? My second choice is a 2001 Corolla LE sedan (automatic with 60K miles) for $1K more. Which would you buy? I should add that I'm looking for fuel economy over appearance at this point. Both get very good gas mileage (28/36 on the ECHO, 26/36 on the Corolla from 2008 EPA standards). I'll probably drive the car until it "dies" and then purchase either a brand-new vehicle or a "slightly used" (certified pre-owned, perhaps) vehicle to replace it. I'd be using it to run...

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How ulgy is the Toyota echo? I don't think it's "ulgy", just a different style. I'm thinking of buying one for fuel efficiency, not sex appeal. I'd say it's on par with the Yaris (which is basically just the next generation of ECHO).

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What would happen if I took all those 'free' credit card offers and took out the max cash on all of them?.I could live like a king in Bolivia for the rest of my life.--sorta like Butch Cassidy and the Sundance kid. Don't forget to buy the airline ticket on a card that has no pre-set spending limit. :P

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How do u download free movies? If you're looking for legal downloads, archive.org has some movies available for download that are public domain. I managed to get "Night of the Living Dead" this way. Illegal downloads are easiest through bittorrent clients (such as microtorrent/utorrent) and websites such as mininova and ThePirateBay. NetFlix allows you to stream video for free if you're a...

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Does it make you mad when people in front of you at the store write checks? It doesn't tend to upset me, but I'm usually surprised. Most people have replaced their checkbooks with debit cards. The people I've seen writing checks have all been older. I haven't written a check in years, but I always had a balanced checkbook. (I was a nerdy teen.) I get a little annoyed, though, when the clerk doesn't know how to process a check and needs to...

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What's the one thing you absolutely refuse to be frugal with? Spaghetti sauce. I buy Rao's marinara sauce for around $8 per jar (each jar has 1.5 lbs of sauce), but it really is the best I've had. Considering that the spaghetti costs less than a dollar, though, it's worth the splurge, especially when you're cooking for a family. I will buy cheaper tomato sauces from time to time (usually between $1 and $2 per bottle), but...

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Who here loves paying bills? Isn't it awesome?:P The only thing I love about paying bills is that they're out of the way (at least until the next one comes in) and I get a small amount as cash back on my credit card. Of course library fines are a different story... I take pleasure paying those in pennies because I can tie up a particular clerk I dislike (he's arrogant).

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I have variations in my credit score as does everyone, but my lowest score is equifax which is strange because i have 2 less derogatory accounts and a lot less inquires on my report with them than the other two agencies why is this? It's common for FICO scores (credit scores) to vary from bureau to bureau because of the information contained in your credit report at each bureau. There may have been positive trade lines (accounts) left out of your Equifax as well as the two derogatory accounts. Also, the age of the blemishes and how severe they were affects your score differently. A 5-year-old late payment that was...

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Do banks earn money when they give you APR on your saving account or CD? Typically, banks will advertise the APY (annual percentage yield) rather than APR because it's a larger number. You'd better believe there's a spread between what they pay you and what you'd pay them for the privilege of loaning/borrowing money. If you have a savings account at most of the national banks, you'll make a fraction of a percent interest. If you have a...

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How many people do you know that graduated high school that cannot spell and lifes are effected by it? Do you think it is a problem? Who is to blame? "lifes are effected by it" -- Wow, is that meant to prove a point or did you mean "lives are affected by it?" Yes, I've known people to graduate high school and even college without knowing basic grammar or spelling, even in formal papers! I tend to have a more relaxed grammar when I'm online, using ellipses rather than semicolons, only capitalizing proper...

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How hard would it be to get a loan, to pay off an account in collections on you credit report? About $3000. It depends on your credit score, relationship to your bank, employment history, etc. Honestly, from a financial standpoint, I'd for credit card offers that have a 0% APR introductory offer for balance transfers for the first year, transfer the balance, and pay the balance off by the time the offer ends. If you don't feel that you can make $300 payments each month and if your...

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I have variations in my credit score as does everyone, but my lowest score is equifax which is strange because i have 2 less derogatory accounts and a lot less inquires on my report with them than the other two agencies why is this? Are these FICO scores or just "credit scores" the credit bureaus were selling? Assuming they're FICO scores, it's common for scores to vary from bureau to bureau because of the information contained in your credit report. There may have been positive trade lines (accounts) left out of your Equifax as well as the two derogatory accounts. Also, the age of the blemishes and...

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So there're many other banks that offer high APR saving accounts, then why are so many people still stick with bank of america with a low 0.25% APR? Is it because they don't know? Or the other bank's saving accounts are hard to open? People tend to use Bank of America because they have branches and ATMs nationwide or don't want to be penalized by $3 every time they use a BoA ATM. Most of the banks that offer high interest rates are online and some people have reservations about them for various reasons. There are many who don't know of online banks because, other than HSBC and ING Direct, most don't...

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Can somebody give or let you borrow their credit score? In a sense you can by having them co-sign with you or by allowing you to be an authorized user on their accounts (though this practice has been abused and will no longer be taken into consideration in the newer FICO formulas).

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I found out that E*TRADE gives you free savings account with a high APR rate, should I open it? I know most people use bank of america savings account with very low rate, why don't they use E*TRADE since it's free and high APR? I'm suspicious about it. There are other high-rate savings accounts out there, such as through ING Direct, HSBC, and Emigrant Direct. Some people don't use internet-based banks because they like the convenience or personal touch of branch locations. Others are afraid that these banks are fly-by-night, even though they're all FDIC insured. Internet-based banks save on overhead by not having branches and...

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If you use an ATM from a different bank than your account is in... should they be allowed to charge fees? Do you think that the fees most charge are too high? What's the highest fee you have ever accepted to pay at an ATM? It depends on what you mean by "they". I think it's wrong for your bank to charge you, but I don't have a problem with the ATM owner charging a fee. I think it's nuts how high the fees have climbed. I'm glad that my current bank reimburses ATM fees, but I wanted to scream when I used Wachovia at an advertised surcharge-free ATM and was charged by $2.50 to use the...

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What's the most secure place(commercial) to put your money(cash) beside a bank? A credit union! They aren't FDIC insured, but they are typically insured through NCUA (National Credit Union Administration) or through the NCUSIF (National Credit Union Share Insurance Fund).

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I bought something with my credit card for 40 cents, why is it showing as a dollar on my online bank account? Odds are that your purchase hasn't yet cleared the system. Even when it does (which can take a few business days, depending on the business you used your card at), online banking tends to round down to the next dollar when calculating available credit. Every bank is different. Mine shows pending gas purchases as $1 until the amount has gone through and cleared, but my available credit...

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If we could foresee all the consequences of our words and actions, would we modify them? I believe so. Most people have a list of regrets of things they said (or didn't say) that's a bit longer than they'd like and I think they'd want to keep from adding to it by their current and future actions.

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Is it ever too early to start a retirement plan, even a teenager? If you have earned income, it isn't too early to start! If you can manage to start saving as a teenager in a 401(k) or a Roth IRA, you'll be heads and shoulders above your peers by the time they finally get around to making retirement contributions. Time will be your greatest asset. How would you like to retire a millionaire without working your butt off? There's something...

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EARLY VOTE POLL! The presidential election is today. Just answer with one word-- Democrat,Republican,or Liberal. Not necassarily how you would vote, but what you think the result will be. Poll ends- March 18, 2007 6pm LIBERTARIAN: an economic conservative and social liberal. I have a feeling "Democrat" will be the winner. Does John McCain count as a Liberal in this poll? (Politics has become soooo confusing.)

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Is it bad to have too many credit cards? Wait... There's a thing as too many credit cards? You must not be American! Walter Cavanagh has 1497. I only have one... It isn't really bad to have "too many" credit cards, as long as you don't use them to get yourself in debt and can keep up with them all (even if it means putting them in the sock drawer). If you feel that you have too many cards and...

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How can I cancel a credit card? Can I do it on the website? Or do I have to call them? You can call, but then they'll start working with you to keep you as a customer, such as lowering your card's APR, "upgrading" you to a platinum card, getting rid of an annual fee... If you don't want them in your life anymore, have it in writing that you wish to cancel your credit card.

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Does anyone know where I can get some good hardcore porn online, without using any credit cards or age verification methods? I'm "of age" just don't want any records. XTube, RedTube, etc. There also used to be some adult Yahoo! Groups that featured amateur content. There are always torrent sites, but they're a smidgen on the illegal side.

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Now that Mitt Romney has withdrawn from the presidential race, which of the remaining male candidates has the best hair? Alan Keyes! (Yes, he's still running. No, I wouldn't vote for him... Though it would be interesting to see him vs. Obama.)

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Whats the most expensive thing you have bought on ebay? Was it delivered safe? For myself, I bought a bunch of used CDs... They arrived damaged, even though I purchased insurance. The most expensive thing I bought was a new DSLR off of Amazon. It arrived in a damaged outer box, but everything inside was fine.

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Have you ever felt as if you might be Schrödinger's cat? Yes and no.

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Whats the most expensive thing you bought just because the person selling it was cute,hott,or whatever? I didn't buy anything extra, but I made sure to go back to that store when I a made my decision to buy so that I could have the cute guy check me out. (I bought a 12-string acoustic guitar for about $150. I had been planning on buying one and had put aside the money to pay cash. Ahh, the days before my credit card.)

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Apple juice or orange juice? (Hot) apple cider if I can manage to get my hands on it. If just the juice, though, orange juice with pulp.

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Apple juice or orange juice? Generally orange juice, especially if it has lots of pulp. I prefer hot apple cider if it's available, though!

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I am thinking about relocating to North Carolina...can anyone tell me about a great city out there? It depends on your definition of great city... I've lived in the Triangle for the past 15 years or so. I'd suggest Chapel Hill if you can afford it. Just watch out for actual hippies. Carrboro is fairly calm and just down the (Franklin) street from UNC (where Michael Jordan attended college). Chapel Hill is part of the Triangle. Research Triangle Park isn't too far of a...

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Does anyone have a good credit card joke? The only one I can really think of is "A man's credit card was stolen, but he decided not to report it. The thief was spending less than his wife did."

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What traps should I look for in applying for a credit card? Read the fine print carefully for mention of universal default clauses, application fees, annual fees/monthly fees/membership fees, and for what reasons they can put you into default APR. Look also for minimum finance charges if you don't plan to pay the balance in full every month. Look for how many days are in your billing cycle, how many days are in your grace period (if you plan to pay...

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What's the maximum credit score you can get in 2 year's time if you done everything perfect(Pay credit card debts on time, pay bills on time, etc)? There are too many variables to figure this out. Two years is a short time and you'll still be treated differently because you have a limited credit history. You could fool around with the FICO score simulator, but it's not entirely accurate. http://www.myfico.com/FICOCreditScoreEstimator/

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Is it true that some credit card companies are raising their interest rates even for their customers with good credit rating? Yes, this happened to me. Alas, they made the minimum APR 9%. I'm going to cry! It's going to cost me no more money! What ever shall I do? Seriously, though, I pay my bill in full and on time every month. I've never been charged even one cent in interest, finance charges, fees, etc. I'd like it to stay that way (unless I travel internationally and have to pay 1% foreign...

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What should you get a woman who has everything? I think you're a bit confused... A woman KNOWS everything. There's always room for new shoes! Seriously, though... gifts of your time or service is more appreciated than store-bought material ones. Depending on what your relationship with her is (friend, family, lover, acquaintance, coworker, etc) you could offer to mow her lawn, fix a squeaky door, give her a non-sexual back...

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Do you prefer to pay at a store or at a doctors office by check, or credit card? I try to use my credit card where ever I can. I pay it off in full every month, though. If a place doesn't accept credit, I visit an ATM, make a withdrawal and pay cash. I refuse to even have debit cards for security reasons.

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Are you applying for credit cards online? And what sites do you prefer? I've applied online once for a credit card. I was rejected because the credit card company "needed more information." I thought that was nuts, so I didn't bother with it any further. My guess is that they were a bit cautious because I'm self-employed. Go figure. I don't need another card, but wanted that one because it didn't have a foreign currency...

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Kinda detailed...but I was an authorized user on a card on which the primary charged a ton of stuff I didn't know about. Now it's on my credit report. Suggestions? I plan on calling the bank on Monday to try to get his charges removed if possible from... The charges won't be removed from your credit reports. You should contact the primary user and ask him/her to call the credit card issuer and have you removed as an authorized user. This WILL change your credit report and credit scores and may take a month or two to take effect (paperwork can be slow, as well as reporting to the credit bureaus). This should help your utilization ratios...

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What bank do you prefer for credit card? I'd generally try to get a credit card from a credit union over a bank. They tend to have lower interest rates and much better customer service.

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When a person wins money, how is that money taxed? I'm assuming you're in the United States... If you win the lottery, you are subject to the tax rules where you live, and taxes where the lottery was held. If getting a lump sum (non-annuity payment), that is taxed as personal income. Gambling winnings are taxed as income. There's a spot for gambling winnings/losses on the 1040. http://www.irs.gov/taxtopics/tc419.html

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What are the payment methods to pay off credit card debts? It depends on the credit card issuer. Mine allows payment by money order, paper check, e-check, electronic transfer from savings... I suppose I could do a balance transfer, too, but those tend to take a while to process and I wouldn't want to rack up any finance charges.

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How do you pay off your credit card debts? I pay online (electronic transfer) from my savings account, though I could also pay over the phone. I pay the full balance by the due date. I love not being charged interest. :)

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I went to a Chinese restaurant today to buy some food and when I get home and look at the receipt so I can put it in Quicken, the taxes they charge was 9%, is that illegal? I know most store charge you 5% sales tax, I'm in the USA by the way. Sales tax varies from state to state and even county to county. You may want to contact the restaurant to ask them why they charged 9%.

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Do you have the "debt cures" book by kevin trudeau? No. That's a waste of money. The "two word fix" he talks about, that got creditors off his back and he didn't have to pay a penny of the debt was... IDENTITY THEFT. You can find all of that information online for free. The guy is a crook. That's why the FTC won't allow him to sell products. These books are considered to be "information". The natural...

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Heck yes! I've been approved to get my first credit card(Platinum Plus® Visa® Credit Card) from Bank of America with credit line of $500. Now may I please get some tips and hints on what to do to improve my credit score with my first credit card? Don't use more than 30% of your balance. Pay off your balance in full every month. Make sure that you pay BEFORE the due date so that it's on time. Don't go crazy applying for credit. After about 6 months of using the card RESPONSIBLY, ask for a credit limit increase. Keep up the good work.

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Which is better, Visa or MasterCard? They're both pretty much accepted anywhere. I've only been to one place that accepts Visa over MasterCard and that was a dollar store. In those cases, I can use cash. (I only have one credit card. I may get a Visa, but I find it just as easy to stop at the ATM and get some cash if I'm going somewhere that doesn't take my card.) Either way, I'd try to get a card with...

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If I apply and got a credit card when I was still working for an employer then I quit the job will my credit card get denied? If you got the card, they most likely won't take it away. You were, at the time you applied, employed. That's what matters. Otherwise, it's a fraudulent application. Just work on getting another job so that you can pay the credit card bills when they come due.

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If I live with my aunt and she tells me to do chores, cut grass for 8 hours a day everyday and my wage is $6/hour, how should I report this to IRS, self-employed or what? I wouldn't bother with reporting it if it's less than $10,000. You could simply say that it was a gift and you did chores as a condition of staying with her or out of the goodness of your own heart if asked. Odds are that no one in the IRS will ask. I'm not suggesting that you become a tax cheat, but I don't think that the IRS cares about children's allowances or your...

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I have 2 Bank of America Myaccess checking accounts, I opened the 2nd one because it has no monthly fees, now how do I cancel my first one? You should either call your local Bank of America branch and ask them to transfer any remaining money into your other account (make sure you have the account numbers... this can help minimize confusion) and ask them to close the account. You may need to go in person to fill out some paperwork, but I'm not sure. (I don't bank with BoA.)

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If I want to buy a house and I'm gonna pay it in a single payment of cash will they ask me where my money is coming from? They'll ask, but as long as it isn't blood or drug money, it shouldn't matter. If you've had the money in a bank over the years and finally decide to purchase a property, it should be obvious where it's coming from if you write a check. :)

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If I buy a house with a single payment to pay it off, I won't get charged more if I have a bad credit right? Are you planning to take out a mortgage and pay it off all at once or are you planning to just pay outright for the property? If you're planning to pay outright, you'll pay whatever you agree. Your Realtor/buying agent (should you have one) will take a portion of the price of the house and the seller's Realtor (if it isn't FSBO/for sale by owner) will take a portion. It...

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At what age does the credit bureaus start tracking a person? Credit bureaus don't start collecting information about you until there's an inquiry for your credit report. At that point, the report is created. Banks, credit cards, insurance, utilities, apartments, student loans, car loans, employers (with written permission, typically as part of the hiring process), etc. may check your credit report. You'll need to have credit accounts...

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Do you have to register so you can get yourself a credit score system or when you're born you will have credit score with your SSN? You start with a credit score of zero. Once there's a credit inquiry, you start building a file with that bureau. After about 6 months, you should have a credit score if you application for credit was accepted and you've opened an account. Credit reports and scores are tracked by SSN by the 3 credit bureaus (Equifax, TransUnion, and Experian) and you score may vary from bureau to...

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Which of the following credit bureau should I get my scores from? Equifax, Experian or TransUnion? I'd suggest going to MyFICO.com and purchasing the Suze Orman FICO kit they're selling. It would come with all three scores and reports (I think) as well as software to show how changes could affect your credit score.

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Have you ever been part of a scam or been ripped off? I've had people try to get me into pyramid schemes... I refused. I've had a bunch of phishing e-mails sent to me, but I never responded. The closest thing I've had to scamming is the eBay fraud I've had to deal with (chargebacks, people not sending items I've paid for, having items in horrible condition that wasn't in the photos, etc).

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Why would anyone who doesn't live paycheck to paycheck own a credit card? For added security, for points/miles/cash back, for convenience, to build credit, for travel, in case of emergency, to track expenses, to help keep track of spending... the list goes on. Credit reports/scores aren't just a tool of the financial world. They can also be used to determine how much of a deposit you'll need to make on utilities (including cell phones), and can affect...

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How many credit cards can one person have? In 2005 Walter Cavanagh had 1,497 valid credit cards -- all of which amounted to a $1.7 million line of credit. -- http://abcnews.go.com/GMA/WaterCooler/story?id=411883&page=1 I just have one with a 5-figure credit limit. :P

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I had an aquaintence co-sign a credit card for me in secrecy, now he has died, I have paid on time, but will my account be closed now? I have never heard of a co-signed credit card. Was it a joint account or were you an authorized user on his account? If you were an authorized user, the account should be closed. If it was a joint account, you should contact the credit card issuer and get it switched into your name only. If there was a balance and you were a joint account holder, you are liable for the balance.

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If i delete credit info older than 7 yrs (was in good standing and closed by me), does it help or hurt my credit? i score 676 and 686 and want higher score for better mortgage loan for 1st home. This will probably hurt your score because not only are you affecting utilization, you're also changing the average age of your accounts. Seven years is a nice bit of history. Granted, it will still show up on your credit reports, even if it's closed, but it won't continue to add positive points to your credit score. If you want a better score, PAY DOWN BALANCES to 10% of your...

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I have a credit account that is paid in full. Is it better for my score to leave it open or to close it? It's generally better to keep it open so that it can help your utilization ratios and help with your credit history. If you have around 10% utilization on your other accounts and you haven't had this account for years, it probably won't hurt you much.

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If You Won The Lottery What Would You Do With The Money? What size lottery are we talking about here? If it's a multi-million dollar pot after taxes, I'd buy a nice home and lots of land, put some into investments, and start a charity or two (financial education in America, and safe towns overseas). With the income from investments, I could start my own business without the stress of having to make sure I'm successful enough to...

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I just got a a new credit card, my question is if I don't use it for a couple of months, will my credit score go down and will I have to pay any fees for not using it? Your score won't decrease as your credit score has already been affected by the application for credit and average age of accounts. You may need to pay an inactivity fee, depending on who the card comes from. I'd suggest making a small purchase and paying it off in full by the time the bill's due.

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Would you want your body donated or buried when you die? None of the above... I want to pull a Lenin!

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How much does it cost to get an eyebrow piercing? and does it hurt? Price depends on what studio you go to, what initial jewelry you chose (both material and "style"), how technical your piercing is, and how much of a tip you leave. I've never had my eyebrows pierced, but most of those I've worked with said it didn't hurt. I'm assuming you want a vertical piercing towards the edge of the eyebrow (closer to the ear). I'd...

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Which do you value most - security or freedom? Freedom... I suppose that's part of why I'm a Libertarian. :)

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Can they numb u when they pierce ur labret so u wont feel it that much? They can put on topical numbing agents if they can manage to get a prescription for you to get it, but the pain is part of the piercing process. It's a quick pain and not too bad. Most people who pass out either had low blood sugar or psyched themselves out. Eat before going in for the piercing. It really isn't all that bad. The numb feeling is worse than the piercing. Just make sure...

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Does a lip piercing hurt more than a shot at the doctor? It depends on the person being pierced, the person piercing, and what part of the lip is being pierced. My philtrum ("medusa") piercings (I pierced, took it out, then repierced) was PAINFUL! My central lower lip labret piercing wasn't bad at all, but I had someone else do that for me (professionally) as it was before I started apprenticing. The beauty...

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Peanut butter-crunchy or smooth? I like crunchy, but I'm also fond of smooth, depending on my mood.

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I cant get my navel pierced because my parents wont let me how do i do it at home the safest way possible and please dont tell me not to do it becuase im already 100% sure i want to do it myself I've turned down teens who've had parents eagerly awaiting some bling on the tummy (usually as a birthday gift) because until around 18-20, the body is STILL developing and growing. How do you know that you even have the proper anatomy for that piercing? If you don't have the right anatomy, odds are that the piercing will reject and leave you with some nasty scar tissue. I...

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Im thinkin bout getting my clut pierced, and I'm not too sure ont he pain scale, which doesnt bother me, i have had many piercings already... but some tips pointers, anything... please be positve!! Do you mean a clitoral piercing? If so, do you mean a clitoral hood piercing, a triangle piercing, a Christina piercing, or some other exotic piercing? Or do you intend to pierce the clitoris itself? Vertical clitoral hood piercings are the most common, followed by horizontal hood piercings. If you intend to have a VCH piercing, it will likely be a quick, sharp (har har!) pain, very intense....

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Ladies, do you think large gauge earings on guys is attractive? If so, to what size? It depends on the guy's personality, face, and ears. I've liked those "teardrop"-shaped organic plugs that make the wearer have "Buddha ears". In my opinion, most guys who have "standard" plugs or tunnels above 0g end up looking like idiots. I think that the "pincers"/"tusks" can look cute, as well as some of the designed...

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Do you have any gray hair? If so, how old are you? I ended up having a few strands of white hair when I was in my early teens. I plucked them out and they didn't return. My hair's mostly red/auburn and, from my understanding, I won't go gray. My mother's become more of a strawberry blond as she's aged.

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How can you face your problem if your problem is your face???heheheh.. la lng..3p qh lNg tanungin.... Wow, I haven't heard that one since I was 12.

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Is anyone on level 100 on answerbag? Not yet. Firebrand is the highest of all time at level 90.

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I do my MBA from Pakistan. Now i want to job in any organization in UK. Do you send me job. You may want to try UK business classifieds sites. http://paler.com/uk_job_sites.html may be a good start for you. Best of luck!

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Any websites out there than can give a refinance loan to people with HORRIBLE credit? I pay $411 a month on my vehicle. I have less than 1.5 years on a 3 year loan to go. I just want to probably cut my loan in half and extend it back to 3 years. I don't know how horrible your horrible credit is, but you may want to try Prosper.com I've never used the site, but I've heard it highly recommended by others who invest and borrow there. You need a minimum score to be accepted, though. I'd look into it if I were you and purchase a copy of the credit score (and report) the website bases its decision on from MyFico.com

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Are you happy with your credit rating? I'm okay with it, really. It could be higher, but I've only had credit for a few years. My utilization's low (under 10%), but I only have ONE credit card. Granted, the limit's high enough to buy a brand new car, but I don't NEED one. :P It is nice to get pre-approved offers coming in from American Express for their charge cards, though. It makes me feels special,...

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Anyone here use lifelock or that true credit (think that's what it's called, at freecreditreport.com)? Is it worth paying for? Is there any other way to check all three credit reports more than once per year? I don't use any of those, but if I were paranoid about identity theft, I'd just pay to freeze my credit reports and then pay to "thaw" them if I needed to apply for credit (such as a mortgage). It'll cost much less and puts you in more control than going through a third party. From my understanding, some of the identity protection services out there just put a...

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Does your credit card statement balance each month? My available balance plus what I owe add up to my credit limit if that's what you mean. I pay it off in full every month, too, so the carry over balance is $0. :)

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What was the most you ever owed on a credit card? I know once I am finished paying off my card, I'll never run up a debt on it again. I'll have to check my credit report (for "high balance"), but I think it was somewhere near $4K. I still had enough credit left on that card to buy a brand new ($20,000+) car, but I'm not about to spend that kind of money unless it's on real estate or another (appreciable) investment. By the way, I *always* pay my credit card balance in full and on time and almost...

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Have you ever seen the anime series "Bleach"? Did you like it? I liked what I saw of it. It's nice to have redheads fighting back. :)

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Has anyone found a "Work from home" program that didn't cost you a lot up front and REALLY earns you money? You could perhaps start selling things on eBay. There are so many work from home programs that are scams that I don't even want to bother with them. I have worked from home for most of my jobs, but I was either an independent contractor (I designed websites) or otherwise self-employed.

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What is the best way to tell if you friend is beginning or going to start to date? Asking them would be a good start. :)

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How often do you shop online? I use the internet to help me shop in brick-and-mortar shops most times I go out. (I look up what's on sale, compare prices, etc.) I buy things off of Amazon or eBay (mostly DSLR-related) every so often, but sometimes I like to try things out in-person before finding a better price online. Aside from groceries, I don't do much shopping nowadays. I'm about to purchase a car,...

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How to earn enough income to build a house, legally and as quick as possible? I'd suggest starting your own business. It can be rough at first, but it's one of the fastest ways to get a large income. Just don't get suckered into one of those work-from-home scams. If that isn't for you, consider taking a second (part-time) job and saving all of that income. (Waiters at some "fancy" restaurants can make good money in tips.)

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How do you pay your bills- cash or credit cards? I use credit cards whenever I can. I get a small bit cash back, but I also get a one-to-two month float on my money (before the credit card bill is due) and can be earning interest on my savings account until then. Also, it's an extra layer of protection. There's more of a paper trail for electronic payments, be they by check (which are now processed electronically), transfer, debit...

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I would like to experience being a toilet slave to a lady - where could I find someone to help? I've seen ads placed on CraigsList. You may want to start there. Just make sure that whatever you do is safe. (You never know who you'll meet online...)

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Who is wearing Valentine's Day socks today? Not moi, I'm barefoot. I even went outside barefoot last night when it was snowing. (Yes, I'm nuts! ...Well, more like lazy. I couldn't easily find my flipflops and I just needed to take the trash out.)

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How can I apply to a cell phone service without providing my credit card information right away? Other than going the prepaid route, you can put down a large deposit.

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Can applying for a credit card actually hurt my credit rating? It can, but how much depends on other factors on your credit report. 10% of your FICO score is determined by "search for new credit". If you apply for many cards in a short period of time, it hurts you worse than if you wait a few months in between applying.

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Why does my statement say I am current, but then my creditor is reporting my account as a charge off and I am being called by a 3rd party agency? Did your creditor consider your a charge-off and send you to collections? That may be what happened. You may have had a clerical error, in which case you are incorrectly in collections. You should dispute this with the credit bureaus. If that doesn't work, you should contact the original creditor and ask that company to resolve your complaint. If you've always paid at least the...

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The bank of mum and dad what things have you done money wise to help your children out....me i paid a £600.00 credit card bill and back rent that was owed and countless other things. My parents helped me out by letting me use their car and helping me pay for (some) college. My parents never paid my credit card bills, but I think it's helped that they haven't enabled me to become a shopaholic. After the age of majority (18 in most parts of the USA), do you consider yourselves to be banks or charities? That is, do you loan your children money or do you give it to...

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Have you ever had your credit cards cloned? What kind of things did they 'purchase' from your card? And i hope you were lucky enough to get the fraudulant purchases back? I've never had this happen to me, but I've heard of it before. A guy I went to college with had his debit card stolen and the thief bought things from Blockbuster and video games from Toys'R'Us. The bank ended up reimbursing what was stolen and issuing him a card with a new number, but it was a nightmare in the time in between. This is part of why I don't use debit...

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Is this discrimination? i am a legal u.s. citizen. i want a credit card or home loan from Bank of America. i do not have a social sec. number. i am denied, but an illegal immigrant is given a card without a soc. security number. whats wrong here? What's wrong here is that you went to Bank of America. Odds are that you were denied because Bank of America couldn't pull a credit report on you. Bank of America has been issuing credit cards to illegal aliens, but only after they've had a banking relationship (checking account) for at least 3 months. On top of that, from my understanding, they must pay a deposit and a high...

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Is it true that illegal immigrants are being given credit cards, without having a social security number? If you're referring to Bank Of America, yes that is true. "Customers can qualify for a credit card if they have had a checking account at the bank for at least three months. They are required to leave a deposit and pay a relatively high interest rate, according to [The Wall Street Journal]."

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IF you have a cosigner an she is married does the loan show up on her husbands credit if it is ever ran? It's possible, but it shouldn't (unless you're the husband). Errors are made by the bureaus, but it hypothetically should not show up on a spouse's credit report, no matter if the loan was made before or after the marriage. Now, if the loan goes into default, the debt collectors may very well call her husband, trying to make him feel as if he is on the hook, but he is...

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I called the creditor as soon as I got the first letter and made arragments to pay 50 dollars a month. I sent the payment in and now I have recieved a letter stating that I am not cooperating with them. What should I do? Best case scenario: They're just a little slow getting your payment into their system or the payment got lost in the mail. Worst case scenario: You're out $50. Did you have any documentation (electronic payment record, voided check, etc) of your payment? Did you get this agreement in writing? I would suggest calling and seeing what's going on. Try to get the repayment...

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Whats the worst news you have ever gotten? I found out this morning that my uncle has small cell (a.k.a. "oat cell") lung carcinoma. At best, they're giving him 6-12 months with treatment. Without treatment, probably 2-4 months. Other than that, my grandmother's death was VERY hard on me. (I still haven't completely gotten over it, and I doubt I ever will.) The worst non-death-related news I've...

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Have you ever gotten stitches? No, but I saw my partner get stitches recently when he had a vasectomy. It looked painful. :(

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I just turned 22 and found out I'm 4 months pregnant. The father wants an abortion, but we've always had a problem relationship. Things were getting better, but now this happened. I dont know what 2 do. I want my baby but I keep thinking aborting it. The child will stay with you forever, the father probably won't. Would you be able to live with the decision of taking your baby's life because the father wanted you to? Especially if he left shortly thereafter? If you decide that you can't handle raising a child on your own, you could ask family, friends, churches (if you're religious), and non-profit organizations...

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Is anyone watching "Extra" right now? I'm sure someone somewhere in the world is. I'm not, however.

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Is life before your big mistake just kind of a blur that you don't fully remember the feeling of? Or is that just me? Which big mistake? I've made a few, but at least I've learned from most of 'em. The causes of my depressions were never my mistakes. I don't want to say that I have an external locus of control, but these were events I didn't have a say over.

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Is anyone watching an automated clock right now as it is about to come back one hour behind for DST's end? Am I the only one who does that? Not now... I did when it happened, though. (I have no life. *LOL*)

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What time are we set our clocks back tonight? US/DST In about 2 minutes if you're EST. :)

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Have you ever been victim of fraud? Yes, through eBay/PayPal. Otherwise, no. (I've had errors on my credit reports, but they've been the fault of the credit bureaus, not identity theft.)

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How do i get a credit card?? I need to build my credit score, and i got no clue how to apply/get a credit card & the criteria required. You could try to get a credit card from a credit union or bank you have an account in good standing with. Aside from that, there are plenty of secured cards out there. Bank of America has a 99/500 secured card that you can apply for if you've first been turned down from their other credit cards. You pay $99 and receive a $500 credit limit. There is an annual fee involved, but it's...

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Do you like american express or visa better? I only have a (platinum) MasterCard at this point, but am thinking about getting a Visa and possibly an American Express. I like AmEx because the platinum card offers great benefits, but they're accepted at limited places and I've been reading about cases of Financial Reviews where you're asked to verify income, assets, and provide tax returns. I view these as being mostly...

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How effective are "pay to delete" letters to collection agencies? It really depends on the Collections Agency or even who's received the pay for deletion offer. If you don't have success the first time, try again. Are you also trying to settle for a portion of the amount in collections? If so, you will likely have a tougher time getting them to accept. Just make sure that you get the PFD agreement in writing just in case the CA doesn't hold up...

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Do you like seeing pictures of yourself? I prefer being the one BEHIND the camera! I'm not very photogenic to begin with and most people don't know how to properly compose a shot, so put 2 and 2 together and the resulting pictures look horrible. I don't think I was made for snapshots. :) I don't have a wireless (IR) remote for my DSLR yet, so I've been limited to taking MySpace-like self-shots or clicking...

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If you were sure of the success of the operation, would you ever get cosmetic surgery? Possibly, if I had the money to toss around. I'm content with my face, except for a few troublesome pores on my nose, cheeks, and chin, but I don't know if plastic surgery would be necessary to fix that. I'd also like permanent hair removal in a few spots (bikini line, mostly) as well as some cosmetic dentistry (to white and realign my teeth), but that's too expensive for...

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Does the high gas price cause you to cut back on your discretionary spending? If so, what did you cut back on? I don't have a car, so at this point, no. I try to limit my discretionary spending anyhow as I am on a limited income at the moment (I'm living off of my savings until I start my business in about 2 months). I've known of people who have cut down on eating out (fast food and restaurants) because of a 30+ mile commute each way. I've known of other people who have taken out...

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Strawberries or blueberries? I prefer strawberries. Blueberries are better in muffins, though. :P

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I have a Canon EOS Digital Rebel XT, and am considering buying a new lense. I typically like to shoot nature and wildlife pics. I am torn between the Canon EF 100-400mm f/4.5-5.6L and the EF 70-200mm f/2.8L IS. Which would be the better choice for me? Knowing nothing about the particular lenses themselves and just reading the titles, I'd go with the 70-200mm f/2.8L IS because: * The focal length allows you to take images closer up, which could help you with some nature shots and other uses. * The lower f-stop number allows more light into the lens, making it faster (which is necessary for wildlife-in-motion shots). I've been able...

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Taco Bell is going to give away free beef tacos on Oct 30th (some sports thing). Who's with me in going to every Taco Bell in your area, collecting as many tacos as possible and giving them all to a homeless person? That's freakin' awesome. I haven't heard anything about that, but it's cool. Hopefully they'll have that promotion around here and the homeless people will know to walk up to Taco Bell. :)

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My fiance is violent. I know im leaving him. I ve already left him. How can I convince the court that because. A few nights ago he attacked. I didnt get any sleep that night. Isnt it attack if he closes his bedroom door and has sex with me? There is such a thing as spousal rape. If you resisted and/or said "no", it is rape. You should contact a battered women's shelter. I'd also suggest that you file a police report and get a restraining order, but if he's unstable it would probably just push him over the edge, especially if he's violent.

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Have you ever been in a situation where you receive your hotel room key card and when you open your room, there's someone else already in that room? That's never happened to me other than maid service, but the door is left open for that. That'd really creep me out. Thanks for something to fear the next time I'm out of town! :P

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Do you have to be 18 to get a hotel room and stay there by yourself? The age depends on the hotel itself. Usually, they'll require you to be at least 18 and if you're college-age, they'll probably require a larger deposit or a surcharge. Part of the reason it's 18 at most hotels is so that you can be held legally responsible for any damage to or theft from the room. (That's part of what the deposit is for. Credit cards/debit cards will...

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I need transportation from northern virginia to james madison university tomorrow. I also need to come back either sat or sun. how should i go about finding transport? no one can loan me a car. too young to rent one (20). greyhound and amtrak dont gothere Actually, you CAN rent a car if you're under 25 at most places, but you'll need to pay an extra fee. Not every car rental company will allow you to rent a car if you're 20, and even then, you may not have the credit limit or available funds on a debit card (they put a hold on your money as a deposit) to do so. Odds are that if you have a credit card, it has a low credit limit as...

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Would you rather date a city slicker or a country bumpkin? It depends on the person. Based on stereotypes (and my own experience), I'd go with the city slicker. Many of the "country bumpkins" around here (I live in North Carolina) are "urban rednecks" ( http://www.urbandictionary.com/define.php?term=urban+red+neck ) and are proud of their Southern heritage to the point where they're purposefully racist. I'm a...

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As you get to higher levels, you can give more points. So if you gave in the past for a very good answer your maximal rating, you could give it even more points after you change levels. Did you know this and do you use this opportunity? I figured this out by experimentation and I have done this a few times. It'd take far too much time to rerate people.

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How do i get more points to get to a higher level and if i get more points can i than give more points to other people that help out? When you level up, you can go back and give more points to those who helped you out if you so desire. Asking questions may be one of the fastest ways to get points, but try not to duplicate questions that have already been asked. Be creative. :)

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Why is it when people answer http://www.answerbag.com/q_view/83480 they explain how the pen is mightier than the sword while missing the contradiction of the two expressions which is the point of the question? I can't see this question without thinking of the SNL "Jeopardy" skit with Sean Connery. "I'll take the penis mightier..." I noticed the contradiction, but I guess that people were trying to answer the specific question you posed ("why is the pen mightier than the sword") rather than the general gist of the question.

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Why on questions that are about superstitions and things like that people answer who are skeptical or don't believe... Why don't they just NOT answer that question? I don't get it... WHY? Most people here are either wanting to share their opinions or are looking for points. Why do "Christians" feel the need to troll the LGBT questions and say "it's an abomination"?

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What is YOUR daily caloric intake? I generally have no clue. I try to watch it, though. If I'm eating at home, I'll likely consume fewer than 2,000 Calories/day. I started a food diary and I've had 950 Calories since I woke up. (2 frozen entrees, 2 Dum Dums lollipops, a "taste" of my mother's entree, and 2 halves of a candybar.) I've done some work to burn off what I've taken in, which is...

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How many women use a 'male' deodorant/anti-perspirant? I do - they are supposed to be stronger so why risk being smelly? I've used the unscented Mitchum gel antiperspirants as well as unscented Arm & Hammer solids. They're "male" because they lack perfume, I suppose. I use a "female" antiperspirant now because I'm not overpowered by the scent. ("Powder fresh" does NOT match well with my personality.) If you feel that you need the strength of a man's bar, go...

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Do you prefer anti-persiprant, deodorant or half-half? I tend to use a scented antiperspirant. The only problem I've had was when applying to freshly-shaven armpits. Chemicals + raw skin = ouch!

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Do you care for the number of calories you intake? I actually started keeping a food journal about 24 hours ago. Since I woke up, I've consumed 950 Calories, 180 of which were from a candy bar. I try to watch my calories, but generally don't care as much when I'm cooking at home. I've given up on cheesecake (500 calories/slice!) and have been doing rather well so far this year. I've lost roughly 20 lbs, which is...

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Do you think saddam is really dead or was it one of his look a likes? Nah, he's just hanging out with Elvis, JFK, and TuPac. Seriously, though, I think he's dead as a doornail. His lookalikes wouldn't have been able to portray him so well during the trials. (It's a shame about the genocide, but at least he had the chutzpah to have outbursts like he did during the trials.)

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Do you think there really is a "man" and a "woman" in a gay couple? (that one of the partners adopt one or the other of the roles?) Not always. Sometimes, even in heterosexual relationships, people are truly equals (or are "switches").

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Have you ever loved somebody that didn't feel the same way? Yep... unrequited love hurts, but it wasn't as bad as having a relationship crash and burn or remaining in love with someone who's fallen out of it. There's a quote in Proverbs that says "Above all else, guard your heart, for it is the wellspring of life." Easier said than done.

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If you can feel blue, what other colors can you feel? Green with envy? I'm definitely a purple!

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I confess I look at porn as much as my boyfriend. Does this put me in the minority? Probably, but there are many of us out there. :)

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Have you ever had sex at a wedding? This includes the brides and grooms at their own wedding (with one another, I hope) Nope, nor do I plan to. It just seems rude to do so.

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Do you have hairy knuckles? Nope. I'm one of the few who doesn't have hair follicles on my knuckles.

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Do you have a hairy butt? Nope, but I've seen a few hairy butts in my day. (I used to tattoo and most guys you'd expect to have a hairy butt didn't.)

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Is there a way to find out your ring size without going to get sized? You could measure your ring finger with a piece of string or paper (or even a flexible measuring tape like are used in sewing) and that will be the inner circumference needed for the ring. To determine US ring size, subtract 36.5 mm from the circumference and divide the resulting number by 2.55 mm. That should be your ring size. Wider bands may require you to go up a ring size or more. Or...

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Would you ever wear Monica Lewinsky's stained blue dress? Why or why not? If the price is right at it fit, sure. Just to try it out, no.

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If you won a prize on some show, and you had to pick between a 1Million$ prize given to charity OR 10,000$ in your pockets, what would you do? Would I be able to choose the charity? If so, I'd make sure my prize money went there. If not, I'd pocket the $10,000. It's 100x difference, yes, but I wouldn't want to give a dime to certain charities because I disagree with what they stand for. I wouldn't want to give to many faith-based charities because so many of them push religion onto those they're trying...

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Good Night everyone. Have a great night. I'm going to be up for a while longer, but 'night!

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Well i took his car to get away so why is it my fault the cop didnt believe me. what should i did? It isn't your fault. It isn't the cop's fault, either. From what you said in the other post, the cop doesn't understand victim's mentality. Cops deal with many people on a daily basis and he may have thought you were lying to avoid getting in trouble. You may want to file a complaint with the police department based on what the cop said to you.

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Unlike typical polygamy, are there any cases of a women having more than one husband? Yes, it's called polyandry. There are cultures within India and Africa that do this. There are also open relationships where a woman will have more than one partner. Polyamorous females DO exist, though many tend to be bisexual.

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Do you have to be a complete professional all the time at work, or are there times you can be a total goofball? Typically a little from column A, a little from column B. It depends on who I'm interacting with, really. (I prefer to work on my own if I can.)

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How many fishing rod and reels do you have Two, I think. I haven't really been fishing in a long while. (I had a license, but my partner never took me out.)

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Sure people commit their first crime go to court it could be Larceny anything. What does it really take to get someone in jail? Honestly, it takes enough evidence that you committed the crime and a judge that thinks you should go to jail because of it or mandatory sentencing laws.

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Srry. I got arrested because he called the police on me. Im charged with Grand Larceny. I made a phone call to him as soon as I reached my mothers area. I said YOu need to come get your car. Then police pull me over im arrested. Police tell me if Legally speaking, the police were within their rights in arresting you. They didn't know the situation. See my other answers about women's shelter. This is a very bad situation no matter how you look at it. I cannot recommend enough that you seek out other women who have been in a similar situation and have survived it and that you may very well be in danger if he decides to come...

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Ok. police officer tells me if my man really sexually assaulted me then why didnt I drive to a phone to call the police. Was I wrong for taking his car or not??? Im charged with Larceny and I have to go to court. needless to say me and him will break up. The police officer you spoke with obviously doesn't have an understanding of the psychology of a victim, especially with domestic violence and/or sexual abuse. Consult a lawyer and discuss your legal options. Explain the entire situation to the lawyer and you may want to use your Constitutional rights (if you're American) against self-incrimination when you're at the trial....

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Was it wrong of me to leave in his car. im scared of him catching me. Locked me in his room said I want to be sexually assaulted had sex with me. im too scared to stop him. been dating him over 2 years. I got arrested because he called the police on me. i If you were not given permission for that particular time (even if he gave you permission in the past), it is a crime. Whether or not it's legally wrong would depend on the judge and/or jury. Morality doesn't always equate with legality. You may want to contact a battered women's shelter in your area for a safe place to stay as well as some possible legal advice or resources...

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Do you think Ulquiorra from Bleach is a very sad character? I mean he looks sad to me... He looks like a crying cat to me. I looked up what they had to say on Wikipedia and found this: "Ulquiorra is a male arrancar with a melancholic appearance and has green eyes with slit pupils. He has cyan lines descending from his eyes, making it appear as if he is crying, and is almost always frowning."

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Why do women get the hump when the toilet seat is left up ? Can't they just simply look down before they do their business? Any female who doesn't look down (and probably wipe) in a public restroom is nuts. She risks sitting in urine drips (or worse). She feels differently if it is her own personal toilet. If she's a guest in your house, she really doesn't have much of a right to complain. If you're a guest in her house, you should have the courtesy to leave the seat as you found it. If you...

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Is it easier for straight people or gay people to get HIV? It's easy to get many STDs from unprotected anal sex ("barebacking") because the tissue is so absorptive (Why do you think there are suppository medications?) and easy to tear. Anal sex (whether the recipient is male or female) is more dangerous than vaginal sex and oral sex is statistically far less dangerous (though not totally safe). Unprotected sexual activity isn't wise...

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Have you ever dated identical twins? No, but I had a set of twins (I *think* they were identical) who were both attracted to me (simultaneously). I was considering going out with on or the other (they had VERY different personalities), but I'm a twin and I think it's kind of creepy, personally. I don't share partners with friends and wouldn't dare share one with any of my family members. I know of a few...

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Have you ever met someone that could be your twin? I have a twin brother, but I've met a few people (two males, two females -- one of which was a third cousin) who were VERY similar to me and we could finish each other's sentences along the way. I thought that one of the guys could've been a soul mate, but I gave up on that idea. My partner has a lot of things similar to me, but he's too different to be a "twin". ...

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Do non-identical twins have to be an opposite gender from their sibling? No, nor do they need to be an opposite sex. I have a fraternal twin brother, but I've known sets of fraternal twin sisters and fraternal twin brothers as well. I always have to laugh when someone finds out that I have a twin brother and they ask me if we're identical. When we were babies, my mother would just say "not under the diaper." (They got it by that point. *LOL*)

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How much a month do you pay for internet connection. Probably about $50 for cable internet. I can't say for certain, though. It'd be more if we didn't have cable. (I miss my satellite dish!) I just use my parents' or my partner's internet, though. I'd leech here, but EVERYONE uses a password-protected wireless network.

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How much do you pay per month for rent? In what state? My friend's 1BR apartment is about $500/month in Carrboro, North Carolina. Chapel Hill itself, Raleigh, Durham, Charlotte, Wilmington, etc. are more expensive.

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How much do you pay per month for rent? In what state? A friend of mine is in a one-bedroom apartment in Carrboro, NC and the rent is roughly $500/month. The rent at the place I stay in Baton Rouge is close to $2,000/month, but it's 3BR.

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What credit agency is used most often by mortgage and banks? My credit score differs by quite a bit between agencies. Most creditors will check all three credit bureaus (Equifax, Experian, and TransUnion). They will usually either take the middle or the average of your FICO scores to determine if you're eligible for the loan/line of credit. Do you know why your scores vary so widely? Did you check your FICO scores or the "credit scores" the credit bureaus were selling? (The "credit...

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Is it possible for a girl and a boy who were born on the same day from the same mom, but from different dads to still be fraternal twins? Yes, and it's happened before. http://www.dnacenter.com/media/twins-different-fathers.html It's also possible that two males or two females are born to different fathers (just as long as they aren't identical).

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Do you have a twin? If so, did you ever do "Twin Speak"? I have a fraternal twin and we used to "twin speak" when we were very young, but we don't anymore. We communicated to each other in our own language before we did in English. I think we stopped about the time we entered school.

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Would you like to have been born with a twin I was and I wouldn't trade my brother for anything, even though we aren't particularly close. Being a twin is part of my identity and it's strange to celebrate birthdays apart from him.

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If you had a twin, would you be happy? I have a twin and I can't imagine life without him. We had a strong sibling rivalry when we were in school, but it's all good. I used to joke that I was the evil twin because I was always getting in trouble. *LOL*

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If you had a twin, what do you imagine his/her name would be? I already have a twin. If I had another sibling (triplet?) I have no clue. I know what I'd like to name my children (should I have them), but twins were more than enough for my parents. :P

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What would you do if you had a twin? I already have a twin brother. If I had a double of myself... well... that'd just be odd.

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Do you have a twin? Yep. I'm female and have a twin brother. Our star sign is Gemini, which I find to be very interesting. For some reason, people don't seem to understand that fraternal twins are not the same as identical twins. (It'd be impossible to have an identical twin of the opposite sex, now, wouldn't it?)

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What is your opinion on birth order theories? http://en.wikipedia.org/wiki/Birth_order I'm a twin and whenever Adler's birth order was discussed in my psychology courses (I took psychology in highschool as well as general psychology and developmental psychology in college), twindom was left out. I'm a fraternal twin (female) and my twin brother is similar to me in many ways, but different in others. Though we fought a lot as children, I feel very protective of...

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Don't those neck pillows look like silly toilet seats? I think that most of them do! Mine is cylindrical and it's been nice. I don't need a pillow to come to the sides of my neck, especially as I toss and turn. It reminds me of the turtleneck type of choking. (“Wearing a turtleneck is like being strangled by a really weak guy, all day. Wearing a backpack and a turtleneck is like a weak midget trying to bring you down.” - Mitch...

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How do I transfer my great credit rating from Canada to the US? Both Equifax and TransUnion have Canadian offices. Under Canadian law, you have the right to see the information in your credit bureau file, which includes your credit rating by mail for free. (Apparently you need to pay to get your credit report online.) TransUnion Canada: http://www.tuc.ca Equifax Canada: http://www.equifax.ca

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Which event is your favorite from the Summer Redneck Games? See list http://en.wikipedia.org/wiki/Redneck_Games Big hair contest. (I remember the '80s. :P)

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Which event is your favorite from the Summer Redneck Games? See list http://en.wikipedia.org/wiki/Redneck_Games Big hair contest. (I remember the '80s. :P)

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What was your first credit card? (Platinum) MasterCard with a $750 limit. It grew to $1,000 the next year and is now a five-figure limit. I love that card. :)

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“I'm not homosexual, I'm not hetrosexual, I'm just sexual”-Michael Stipe. What's your opinion of this quote? Would you say this is at least partially true of everyone? I don't think it's true of EVERYONE. I think that many bisexuals, pansexuals, etc. think of themselves in this way, though. I'm heterosexual when it comes to sexual orientation, but I'm attracted to the whole spectrum of genders. I'm not attracted to biological females or FTM transsexuals (though some can pass very well), but I've been attracted to MTF...

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How far in dept are you right now? I'm $0 in debt, but I have over $3,000 on my credit card that will need to be paid in about a month. (The bill hasn't even come in the mail yet. I'll consider it as debt if I'm ever past-due. I use my credit card like a charge card, paying the bill in full and on time every month.)

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Do you worry about identity theft or credit card number theft when buying things on the Internet or do you avoid buying things online because of this concern? I'm not worried about identity theft through using a credit card online. I'm concerned, however, if I need to give my social security number online. I don't buy many things online, but if I don't particularly trust the merchant, I'll use PayPal with my credit card. I have $0 liability for fraudulent use. (The federal law is a maximum of $50 per card.) It's...

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If you came into mad money what would you splurge on? A house and/or some land. Beyond that, photography's an expensive hobby. :P I'm more of a saver than a spender, but I can still live comfortably. (One of my goals is early retirement. I'll keep my fingers crossed!)

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Has anyone ever used the site called Personal Credit Services? Did it Work? This is the first time I've heard of the site. Odds are that they are paid a commission for every credit card or loan they find. I'd check out Capital One first or, if all else fails, open up a secured credit card.

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What do you splurge on? Photography. I've already spent about $1,000 on it.

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I've been known to be overly frugal at times. How often do you spend out of your budget? and for what kind of things? Do you allow yourself to splurge? How often? and do you regret it, or feel guilty? I don't have a strict budget, but I have a general amount I'd like to cap my spending at. I splurge on a few cheap things, but other than that, I save up for what I want to buy. I enjoy photography, which is an expensive hobby. :P

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Did you used to watch the TV show Voyagers? No, but I saw some episodes of "Star Trek: Voyager" when it was first on UPN.

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What is the most debt you have ever been in?Not counting owing on a house,car or boat. $0. I'd hate to go into debt to get a boat! The highest credit card bill I've had to pay was over $3,000, but I would have paid cash otherwise (and I paid the bill in full and on time when it arrived). I won't go into debt unless it's a last resort. I have a friend who's about $100,000 in student loan debt (he went to a private school and then was an out-of-state...

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Is an authorized user on a credit card responsible for any of the debt Legally, no. Only a cosigner or a joint account holder is legally liable. If you go hog wild charging things, you may have the cardholder take you to court because you abused the privilege. I've heard of this happening during divorce, but I'm not sure how it held up.

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What percentage of men like size zero? It really depends on the guy. Some are afraid that they'll "break" the girl. Some guys like "thick" girls, but many of those won't openly admit it due to social pressures. I'm a female who likes scrawny guys, but the supposed norm is muscular and hypermasculine. There are also plenty of guys who like thin girls. Some guys just aren't all that picky when...

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My divorce decree states that a joint loan is to be paid for by my ex. My ex is late on payments and now this is showing on my credit report. How can I get this off my report? You can't. The creditors don't care what the divorce papers say. The best thing to do would be to take your name off of the account, but the late payments that have already occurred will remain on your credit report for 7 years. You should put a consumer statement on your credit report explaining that your husband was responsible for the debt and did not pay it. You should try...

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Posh Spice had 3 out of 4 credit cards declined in Abercrombie and Fitch. Has this ever happened to you? How were you treated? I have a 5-figure credit limit on a Platinum MasterCard. I've never been declined. :) I wouldn't be shopping at A&F anyway.

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Can you believe someone would shoot a wolf pup? http://www.wolfandwildlifestudies.com/images/deadpupexitwounds.jpg I hope it was a farmer. There's no reason for a "hunter" to kill such a young creature. (Well, maybe rabies, but that's rare in Alaska.)

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Is being heterosexual a sin? It must be. According to some, I'm going straight to Hell because I like "shemales". I am a female, she has a Y-chromosome and still has a penis... yeeeeah. Being effeminate is apparently a sin, so unless I'm ovulating, I'm screwed! :P

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Is being a furry a sin? I think most people would confuse it with bestiality, which is (and to many counts as animal cruelty, even if they have a "relationship" with the animal).

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Should i shave of pubic hair before sex? How do guys want it to be? If you must remove the hair, you're best with waxing. Stubble "down there" just seems evil. It depends on the guy. Some like a little "landing strip" ("Brazilian"), some like a mere trim, some like a "natural" woman (though they aren't always open about this), some can't stand pubic hair... Perhaps you should bring it up casually with...

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Did any one watch the program on t.v. about restraunts that do nasty stuff to peoples food and what do you think? I've seen shows where people have been "caught on tape" on Fox over a decade ago, but nothing specifically about the food services industry. I cook most of my food at home, so I don't have to worry about this. :P

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What's ur fav scene from Robot Chicken? There are too many to just list one. I love the show, but I haven't seen many episodes. (I was busy during college.) I tried to upload over a dozen clips, but AnswerBag didn't like them. :(

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I have a pitbull and he did the nasty nasty with my friends female pitbull.... that same night my friend let out my other dog (saint bernard) and he also did the nasty nasty with the same female pit... wat will happen? my pit did it again 2 more times If the bitch was spayed or your dogs are neutered, you shouldn't have any trouble.

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Why do people get their pets pierced? isn't that animal cruelty? It's rare, I don't agree with it, but the Egyptians pierced cats because they were basically gods and were properly adorned. The poster for the cat picture said "the hole in his ear was made by another cat in a fight, I didn't realize it was there until a couple days ago. It was the perfect size for a CBR." (A CBR is a captive bead ring.) As for the dog, there...

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Do they even have wolfhunting laws in Alaska? i heard they're even allowed to kill pregnant wolves there... It isn't always obvious that an animal is pregnant. There are laws, but they're trying to get sports hunting tourism, I suppose.

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Does this cocaine make you feel like you're on this song? I LOL'd! I haven't heard SOAD in a while, actually. I actually heard this one recently, though!

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Is it all's well that ends well or love's labour lost for you? It depends on how I feel about the ex. Usually the latter, sadly.

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Am i "Gothalicious with cheese and all the gay things i say make such a pretty melody"? Nope, sorry. But please try again. :)

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Has anyone ever had a bad experience using a credit union? I haven't had a bad experience with the one I use (well, it's a "federal thrift", not technically a credit union), but I was disappointed with the credit union I was considering joining. I'm not satisfied with a fraction of a percentage interest rate on my savings account. My friend who used that credit union has had nothing but good experiences, though.

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How much debt do you have? $0 currently. I have a credit card bill that's not yet due, but I'll pay that off later this week. (I'll consider it debt when it's past-due.) I pay my credit card bill in full and on time. If I can't afford it, I don't buy. (I'm still tempted, of course. *LOL*) I hope to buy a home some day, so building credit is important to me. You don't need to go...

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Do you save $ by buying refurbished electronics? I get a lot of stuff from apple.com, you can get a great deal on ipods! I also buy refurbished gaming systems! I buy a few refurbished things, but I've found that most places don't fix the problems that were initially there. I bought an MP3 player (not an iPod) that I couldn't send in for repair or return the item because it wasn't covered by the (exremely limited) refurbished warranty and I hadn't purchased it with a credit card. :( I'd trust Apple to actually fix their...

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What can i do with credit card det when i can not pay The first thing I'd suggest would be lowering your interest rate. Call your creditors and ask (nicely) for a lower rate. If they don't have authorization, you can ask (nicely, again) to speak to a manager or someone else who can. You can also call your creditor(s) and try to negotiate lower monthly payments. If you're out of a job and you make the effort to contact them and...

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Do you regularly purchase goods from the internet using credit cards? I don't regularly purchase items online at this point, but I would use my credit card. I have zero liability and get a small amount cash back. :) If I buy on eBay, I'll use my credit card through PayPal, though I don't trust PayPal's buyer's protection. It hasn't come through for me in the past and looking back, I should have purchased on a credit card and filed...

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Do you use cash,debit or credit cards and why? I use one credit card (platinum MasterCard with a 5-figure credit limit) for every purchase except for when shopping at thrift or some dollar stores that are cash-only. I use credit because I get between one and two months worth of float on my money (so that I can be making interest in a FDIC-insured savings account), build a credit history, get a small amount cash-back, and have extended...

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If you could have one luxury item under $1000 what would it be? I'd hope to get a Canon DSLR body. I have a Pentax K10D, but I'd like to get a Canon as well. :P I'd hope to get a 5D, 20D, 30D, or 40D. (The EOS 350D/400D a.k.a. Digital Rebel XT/XTi are too small for my hands and feel too flimsy for me. They take awesome photos, but I've already taken over 10,000 shots on my Pentax and comfort is IMPORTANT if you're lugging a...

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What is the highest utility bill that you have paid? How much was it and who was it for? $595.56 for my friend's cell phone. He's supposed to pay me back by the end of the year. I also paid $1,157.00 for his rent. Times are tough when you're out of work, but he thankfully just got a new job and will start paying me back.

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Is it true what they say about big paws? Big heart. :P

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I have been married for 2.5 years to the love of my life, we have a 4 month old son and I have 2 kids from the past. My 8 and 7 year olds are autistic and have behavioral issues but are mentally 3 year olds. How can we agree on discipline? Many men from military backgrounds are far tougher on males or older children because they have a different set of expectations. Your older son has it hard both ways. I think it's important to have boundaries, but there's a line between "firm" and "too hard" and you two could perhaps discuss this and see where both of you stand on where that line is. Hopefully...

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Can I start a PayPal account using a savings account? Yes, you can. I did this at first. If you're making multiple purchases, however, you may want to get a credit or debit card/checking account or put a large amount of money into Paypal and use that money for multiple purchases.

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If you could snap your fingers and get rid of your significant others bad habit...what would be that habit? Tobacco use. He uses "dip" but I find it to be disgusting (spit in a cup... eww!).

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Do you know any site(s) where i can get a free Fake I.D. card? It costs money to produce an ID, so I doubt there would be any that would actually produce (and ship) the ID card without cost. There are phoney diplomas out there as well as fake IDs, but they are all for a price.

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My credit card was recently "compromised". How does someone in Cambria Hts., NY go about using my credit card at a McDonalds without physically having my card? Even I haven't used my card in the past few weeks. The criminal may very well have a card. There are "skimming" devices that will capture the card information (or the card information is hacked from a computer). There are other devices that can program a magnetic strip with your (stolen) credit card information. Some skimming devices have even been attached to point-of-sale (POS) machines and ATMs. No one even checks to make sure that...

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White Chocolate, Milk Chocolate or Dark Chocolate? I like dark/bittersweet chocolate if I eat any. It's a nice treat from time to time and I can write it off as a health food due to antioxidants and lower fat/calories than milk chocolate.

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I have a paypal account... how can i use it without it having to be verified? From my understanding you can still use PayPal until you've reached your spending limit. I'd still suggest being verified if you're using PayPal. I personally don't trust PayPal, but it's better than nothing, especially if you don't have a "real" credit card. (Debit cards are not the same thing.)

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Would I win a case against a credit card company for causing me emotional stress from financial difficulties? Probably not, though the Fair Debt Collections Practices Act (FDCPA) permits a court to award damages for emotional distress, as established in Conboy v. AT&T Corp. Have you called and explained your situation before it got to collections? Many credit card companies will work with you if you're having financial difficulties. If you're getting calls from debt collectors, you...

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Do you save money? I save what I can. At the moment, I'm between businesses and living off of savings. (I'm taking time off to work out kinks in the business plan, to try to develop prototypes to help expand my product line, etc.) I hope to launch my new business in early 2008. :)

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I have a huge issue with cheating on men... can someone give me advise on how to stop...I tried everything. I keep losing men who I really like...help. You could just have an open relationship. There are some couples I know who have open marriages and it works for them. Just as long as everyone is in the know and consents BEFOREHAND, it isn't cheating. You may even be polyamorous. Both of these are "alternative relationships" that may get you called some nasty things by people who disapprove, but honesty is the best policy. ...

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Isn't Chowmein ( Chow-Me-In) a funny name? Not particularly.

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What is your favorite fast food restraunt? What is your favorite food there? Raisin' Canes! I *love* their chicken fingers and sauce. I can only get it when I'm visiting Baton Rouge, LA or Hattiesburg, MS, though they're expanding into other locations. I prefer to cook my own meals, but if I'm halfway across the country, it's a great treat. :P

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A lot of people keep telling each other to "Be yourself." Would you also tell an autistic individual the same thing? I would. Most who hear "be yourself" try modifying their behavior to be someone/something they really aren't. Behavior doesn't necessarily reflect personality. If the autistic child is capable of modifying behavior such that he (most autistic children are male) can "fit in" better, I'd want to instruct him on how to act. Depending on the severity of autism, he...

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The apocrine type of sweat gland is found: -all over the body surface -in the groin -on the palms -on the forehead -in the auditory canal It causes ear wax in the groin? (Seriously, though, the auditory canal. Wikipedia is so educational!)

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In cold weather ____ may result from reduced blood circulation through the skin. -jaundice -hypothermia -hemangioma -erythema -cyanosis Hypothermia. * jaundice is due to excess bilirubin in the blood * hemangioma is an abnormal build up of blood vessels in the skin or internal organs * erythema is due to inflammation * cyanosis is due to low oxygen in the blood and causes a blue color.

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Do you think there are any famous actors or actresses on this website? If they have the time and are so inclined... but there's a lot to do during your "off" time.

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Am I the only one that thinks Howard Stern is a douche bag? I'm not impressed by either the lawyer or the shockjock, but I don't know which one is worse!

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Is there a mainstream cover of the Tonic song " If you could only see"? I hear the song on the radio and it doesn't sound like Tonic's original version. Do they have another version of the song or is it covered? Gotta love radio edit/remixes.

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Does anyone else remember the show Pop-Up Video? I do, but the sound of the bubbles got in the way of the song. VH1 actually had a cool show at one point! :P

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Does Ted Nugent support the Alaskan wolf slaughter? I'd imagine not (the guy shoots with a bow and arrow and eats what he kills), but I've heard some people say that he auctioned off a wolf hunt for charity in 2002. Aerial "hunting" doesn't even give the wolves a chance. I'd really like verification before I believe this, though.

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Have you ever bought a laptop from a shopping channel? If yes, how did it turn out? If No, what stopped you? I haven't because they're charging more than the fair market value of the laptop. I can get a better deal on a particular model of computer through Froogle or I can custom-order a laptop online. Some of the computers being sold on television are complete jokes. Even RadioShack has better prices than what I've seen!

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Nearly everytime my girlfriend and i have sex she bleeds. she says there is a little pain. what could be any causes or problems? She may have an infection or may be having intercourse before her body's ready. Women (before menopause) produce natural lubrication. She may want to see the doctor. A yeast infection is pretty easy to get rid of, but bacterial infections need antibiotics to treat and if not treated could lead to PID (pelvic inflammatory disease), which could render her sterile. Make sure she receives...

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My dad's trying to force me to go hunting with him and his retarded friends, i keep telling him that i am totally against hunting and he just laughs at me... I think he's just trying to bond with you. If you're veg., tell him you don't see the point because you aren't going to eat it anyway. Have you told him that you're against it? Are you judging his friends because they like to hunt or do you not like them for other reasons? I personally believe that hunting can be a natural human instinct. As others have said, I shoot...

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Are wolves friendly or just diabolical? Wolves tend to keep to themselves. Those that come up to people are either pups, used to people, or are sick (possibly rabid). Wolves at play can be sooo cute! I wouldn't trust an adult coming up to me, though.

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If someone refers to 'partying' does that always mean getting drunk? No. Some people (mostly prostitutes) use the term as a euphemism for sexual acts/scenes. Teens tend to refer to getting drunk as partying, though there may be drug use as well. There are some sober parties, but some don't consider them to be fun. When I was in highschool, there were plenty of social get-togethers, but without any alcohol involved. Nowadays, I can just go...

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Is Timothy Albee a furry? According to WikiFur, "His fursona, Dreamcatcher, is an androgynous cheetah/wolf hybrid." That'd be a "yes" in my book, though I can't speak for him.

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What would you do if you got a 100 thousand dollar inheritance? Would you quit your job? Assuming the money wasn't just in probate (I'd have to come up with money up front!), I'd keep doing what I love, but I'd put the money into a high-yield FDIC online savings account (I wouldn't settle for less than 5%). I'm still working out my business on paper and making sure I can handle what may come up. It's nice to have some money in the bank to fall...

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What are fursuits usually made of? Cruelty-free materials, mostly. :) It depends on the particular fursuit, but I've helped design one with faux fur, mesh/toole (for eyes, mouth), felt, cotton thread, resin (nails, teeth), acrylic paints, polyfill, scrap Styrofoam, cotton lining, zippers, elastic, rubber (for the pads of the feet)... I'd be interested in using real wool for sheepgirl outfits (if someone were...

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How did you attract your s/o into your life? I went to a karaoke bar with a guy I was dating. He said he wasn't driving me home unless I went up and did a song. I figured I'd never be back there, so I headbanged (like an idiot, though intentionally) and and sang "Dolphin's Cry" by Live. The next week, I broke up with him (it was messy and I was hoarse from screaming at him) and his roomies (who I'd become...

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We are in an auto lease that we can no longer afford. We owe too much to sell or transfer. Will the lender do anything more that put the repo on our credit? Not only can they put a repo on your credit in addition to notification of late payments, they can also legally sue you for the difference after they sell your vehicle. You are probably upside down on your loan, but it will be even worse if it is repossessed. They'll sell your car below fair market value (typically to a dealership) and you'll owe the difference for what's left on...

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Should animal-rights-violating website like beasttube be banned from the internet so that fifteen year olds, like myself, don't stumble upon disgusting animal rape videos of a guy jacking off a wolf when I'm searching for ordinary wolf videos? I don't think it should be banned, but I DO think that there ought to be more warnings about adult content and objectionable material, just out of common courtesy. Some people are into this sort of thing, but I think that most have a bestiality fascination because it is so repulsive to people. (Kind of like how some people look at photos of accident victims, rotting corpses, etc.) This...

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Is it safe to have a tattoo 4 days before i have surgery? It's a bad idea. Your tattoo will not be fully healed by the time you have your surgery, no matter how small the piece is. Your body's main focus should focus on healing from surgery instead of the tattoo and surgery. Just wait until you're as healthy as possible for the easiest healing. :)

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Do you think you do too much laundry? Nah, I'm like a typical guy... I'll change clothes until I run out of wardrobe and THEN I'll do laundry. :P I have 5 plain black t-shirts, 3 of the same color/style skirt, and two black sweaters. It looks like I rarely change clothes unless I switch it up and wear pants or a printed tee.

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What one quote do you try to live your life by? "I try to live my life as I see fit, not by some motto or mantra." - moi :P

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Does the condition of the hymen determine a female's virginity? No. A woman can tear her hymen by using tampons, masturbation, horseback riding, bike riding, sports injury, etc. Some women have managed to keep their hymens intact after intercourse.

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Is it safe for my gf to masturbate with her cellphone? She somehow loves to use it as a vibrator... could she get the phone damaged? Most likely no, but it's a bad idea because of the phone's bacteria, even if she's the sole user. Most phones have poor vibration functions. It would probably pick up her "scent" which can take a while to get rid of. She can pick up a vibrator for under $10. The "bullet" vibes are easy to clean and most offer adjustable speed and use AA or AAA batteries....

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Are there any masturbation techniques that make it feel like your going into a vagina?or any good masturbation techniques?please Cut a small hole in a melon and run hot water into the hole and drain or "nuke" in in the microwave for a few seconds. Just make sure you don't burn yourself.

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Guys...is it possible to get a pimple "down there" on your weener?(seriously) i have something and at first i thought it was a bug bite but now it seems like more of a pimple ... any help pleasee!? I'm not a guy, but it's possible to get a cyst or ingrown hair. It'll probably go away in a week or two.

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What colors should be used for painting a room for autistic adults? Is there some way to let the autistic adults have a say? I don't think there's one answer that every autistic individual would enjoy. "Soothing colors" (shades of green, blue, violet, etc.) would probably be a good choice, depending on the function of the room.

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I have windows vista home premium and I can't seem to upload my videos from my camera. They are uploading in .MOV and I can't look at them. It says that I don't have the right codec to view them??? Which codec do I need and how do I get it? Try VLC. It works with Vista (just tried it the other day) and will work with other formats that typically need plug-ins. http://www.videolan.org/mirror.html?mirror=http://downloads.videolan.org/pub/videolan/&file=vlc/0.8.6c/win32/vlc-0.8.6c-win32.exe It's opensource freeware, which makes me happy. :)

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Can masturbation make your period longer? No, it can't. If anything, it'll make your period shorter. This article is about sexual intercourse during a period, but there are still contractions during orgasm sans a partner http://health.ivillage.com/gynoperiod/printercourse/0,,6gx8,00.html During sexual arousal (including masturbation), menstrual blood flow slows and typically stops (temporarily). There's a more...

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How often do you check your credit report? I check all 3 bureaus at once per year through annualcreditreport.com (the government's site). It's free, after all. :) I check to correct any errors and to make sure no one's stolen my identity. I've found errors on 2 out of 3 credit reports, my TransUnion messed up my report by combining it with someone else's in another state. Talking to their staff wasn't...

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How does one catch the Autism Virus? Mercury poisoning has similar symptoms to autism and a mercury-like preservative in vaccines has been blamed by many parents to have caused their children's symptoms. Autism tends to run in families and is now being regularly screened for in pediatric visits. There are some older adults who are just now getting diagnosed with high-functioning autism. ...

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How can people with Asperger Syndrome who must learn social skills intellectually learn intuitively? Those with AS will typically figure out that there's something wrong with them, that they're different. (I didn't find out about AS until I was 18 and I started crying because, hearing the description, I knew "that's me".) I had taken acting classes as a child and did well because I was good at mimicry. I'd sit and observe interaction in my teens, even...

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Can Aspergers syndrome go away? No, but it can be masked. I haven't had any therapy/skill building (yet), but I've found that I can appear more "mainstream"/normal by mimicry. It's trial-and-error (thankfully I figured most of it out during my teens!) and people tend to see me as a smidgen eccentric, but those who get to know me know that I don't usually mean any malice by my words and actions....

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Is the Autism Spectrum Quotient test accurate? It's a good start. Depending on who I'm talking to, I may have Asperger Syndrome or I may just be a geek/nerd (though I *had* a social life) with ADHD. Autism is rarer in females and we show symptoms differently. I'm a fraternal twin (I have a brother), so that may explain it a bit as well. I have a sense of humor, used to be well-liked amongst social groups (when I was in...

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How many on here have a degree of Autism? (there's a test you can take on Google) 42! Oh, man, I like that number. It's the answer to... oh, well, if you know it, you know it. (Yes, I'm a geek. I was at one point the highest scoring female in the world on NerdParadise.com when it used to have the nerd tests.) It's thought that I have AS, but it's rare in females. I also learned through trial-and-error and mimicry. I think something that sets me apart...

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Anyone else a pre-1980 Ritalin kid? I have such fond memories of my folks telling me to take my pill so I can go be normal... O_o I didn't try ADHD medication until I was 17, but it gave me panic attacks. My family said I was easier to live with when I was taking the pills, but I didn't notice any change in my behavior. I was concentrating on a paper for school, so I was unusually calm and focused. I'm that way when I have to solve a problem or when I was in college. I'm a bit hyper and easily...

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My sister-in-law is moving to Las Vegas for work. Any advice for a good area to start out living in? I'll second Henderson. I know someone there and he says it isn't nearly as crazy as Vegas itself. :)

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Won't you buy some Virgin Tea? I'm on a tight budget and the operative word here is "buy". If I were given some, I'd want it to be Cherry. :P

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Is anyone else here a red fox? I have "WellRedVixen" as an old AOL screen name. Does that count? :P I'm a redhead and kindda crazy (like a fox! hah!)

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Who is waiting for Resident Evil 3? I'm waiting for it to come out on DVD. I've seen the other two movies on television and would love to see this one as well.

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Did you see transfrmers the movie, if you did how was it? I haven't, but I may when it comes out on NetFlix. My friends liked it, but I don't think I'll enjoy it. I prefer Quentin Tarantino flicks.

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Is there really going to be a Warriors movie, based on the book series, released next summer? Apparently not! (Hindsight is 20/20.)

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What was Alfred W Fielding's personality? I don't know what your obsession with this guy is, but he must've been freakin' awesome to co-invent bubblewrap! Entertaining kids with ADHD since its introduction. :)

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What is the best Russian Reversal joke u can think of? In Soviet Russia, lazy dog jumps over quick brown fox!

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Spyware Doctor is saying that i have no more trojans on my computer. Is this true or is it being a no-good dirty liar? The only way to totally be sure is to back up data, reformat, and put things back on little by little (virus checking as you go). How'd you get all of these viruses? You may also want to try PandaSoftware's (free) online scan, Norton's free online scan, AdAware, SpyBot Search & Destroy... as well as ZoneAlarm's free fire wall. Yeah, I'm all about free stuff. :P ...

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Google "Hail Satan". What's at the bottom of the first page? I know that song. XD

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Do any of you like TED? Check this out. http://www.ted.com/index.php/talks/view/id/24 I don't know. Maybe you have a troll? Maybe they didn't want to watch 13 minutes of dancing? I love Kronos Quartet! I'm uprating you, btw.

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Why do people charge such high p&p costs, whilst i find it dishonest to do so to my customers? I agree with this and I charged my cost to ship as well as a slight fee (less than $1 USD) to help cover eBay's fees. On eBay, people charge high S&H because they aren't charged final value fees on shipping. I remember being charged $25 S&H on a violin that was less than $8 to ship via UPS! I've also been charged an arm and a leg from private sellers on Amazon.com when...

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Has anyone else been burned by Paypal? I got ripped off for $350 from selling a WOW account. :( I had problems with the fees to start with, but when some people did chargebacks (they said that they never got their items, even though the tracking information said they had been delivered). I ended up with NSF fees when PayPal placed a hold on my PayPal account. I didn't have the money in my PayPal account to cover it at that point (I had moved the money into my personal account to pay...

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Wow, can anyone else do this? http://www.joe-ks.com/archives_sep2007/CYBYN.htm That reminds me of this: http://www.aolvideoblog.com/2007/10/08/huge-tongue/

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Is BDSM hereditary? I certainly hope not! I can't imagine my or my partner's parents being even slightly kinky. (In fact, I don't like to think of them as ever being sexually active. I'm strange, though.) Fetishes and paraphilias are thought to develop in early childhood, so I'd imagine it would be the same for BDSM.

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Does anyone study with the Open University? Do you manage to have a good work/life/study balance? I really wish there were something like this in the United States. Most of the open enrollment schools are either community colleges (which offer limited coursework) or private colleges (which are very expensive). I took online courses from community colleges as well as attending classes in person. I was a full-time student at the time (taking 6-8 courses each time). I had little social...

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Is it true that in American schools, "More than twenty states still allow the striking of students in schools if the parents don't object"? http://math-www.uni-paderborn.de/~axel/us-d.html Yes, some states offer "corporal punishment" even today. http://www.stophitting.com/disatschool/statesBanning.php has some statistics. I live in a state where paddling is legal in some areas, but I've never heard of it happening. I'd imagine it would be a more effective deterrent than suspension. (Woo-hoo! No school!) Ideally parents would set boundaries and discipline...

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Do you use Wiktionary? I use it from time to time, but I tend to use Answers.com, Merriam-Webster (m-w.com) or Reference.com because I already put the search bars into FireFox. I have a Wikipedia bar in FireFox as well, but I guess I just haven't gotten around to adding Wiktionary yet! (I only have 16 search bars. *LOL*) I love the Wiki family. :)

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The US presidential elections are still a good way off. Do you already know who you want to vote for? If so, who? If not, are you even paying attention yet? I have a pool of candidates I like, but who I'd vote for depends on the names on the ballot. My top 3: Democrats: Joe Biden, Mike Gravel, Dennis Kucinich Republicans: Ron Paul, Alan Keyes, Rudy Giuliani I'm not happy with the lack of strong candidates. I think that both Rudy and McCain are both moderate enough to get the undecided vote, but they're usually just trying to...

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Who would you vote for between Hillary Clinton, Colin Powell or Rudolph Giuliani? Powell didn't do a bad job under Clinton or Bush. I think he'd have a better understanding of war than the other two, as well. I wouldn't mind a black or female President, but I don't like Hillary. (She's a lawyer AND a politician. I don't trust either, let alone together!) I like Joe Biden, Mike Gravel, and Ron Paul, but good luck getting any on a ticket.

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If you went to the electronics store right now with $1000, what would you buy? Nothing, I'd keep the money. :) Other than that, I'd try to get a Canon DSLR body. (I already have a Pentax K10D, but it'd be nice to have a Canon, too.) I'd consider: 5D, 20D, 30D, 40D. The 350D/400D (Digital Rebel XT/XTi) are too small for my hands and feel like toys to me. (They take great pictures, but when you're out taking shots, comfort makes a difference.)

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Would you jump off of a two-story roof onto the hard dirt ground for $1000? I've fallen from heights and survived without broken bones (but some scars and major bruising)... but that's just nuts. If I had SERIOUS padding attached to clothing or one of those hand-held glider things AND you paid my medical bills (I'm uninsured), I'd consider it. :P

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What is the most you would do for $1,000? Pay me the $1,000 and you can find out. :P

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How much money do you have saved? I have lower five figures in a bank account, but I don't have anything in retirement accounts... yet. I hope to fix this when I'm self-employed through a SEP or SIMPLE IRA. :)

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Has anyone ever told u to "Yiff in hell"? Nope, but I'm not a furry. I've seen "Yiff in Hell, furfags" almost daily when I was on /b/, but that's the only place the topic really pops up.

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Insane Clown Posse is the worst band ever....agree/disagree? Disagree. There are so many bands that don't even get to the point of going into a studio. Emo/screamo isn't exactly my cup of tea. ICP fans are kindda nutty, though (some in the good way, others in the bad), and they tend to reflect on the band more than their own albums.

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Who will be getting Steven Colbert's book, "I am America (And So Can You!)"? I may later on from the library. I'd like to read Jon Stewart's book as well, but I'm more focused on other reading at the moment. :P

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Ladies: What are your thoughts on male smokers? I used to live with (and was engaged to) a male smoker. I didn't like it, but it didn't end the relationship or anything. He would only smoke outdoors or in his vehicle, so it wasn't too bad, but I am very sensitive to smoke. I'll still smoke a small cigar or something every few years, but only for very special occasions as it leaves me with flu-like symptoms for a day or two.

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Are you a fan of the Yiff? Why? I'm not, but I don't blast it. It just isn't my style. (Well, I have an ex who was a part-time catboi. MROW!) Live and let live. :)

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Do you wanna yiff me? It'd be illegal in some places, hon. :P

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What sort of under clothing do you prefer? (silk, cotton, colored, boxers, whitie tightys, thongs, briefs....etc) I go commando most of the time, but my partners have all either worn boxers or panties (yes, they were male -- silk, cotton, satin, lace...). If I wear something, either cotton or satin bikini-cut briefs.

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Have you ever had a song written about you? I've had a few guys write songs about me, but I never heard 'em. I've been inspired by people and have written songs, but they haven't heard them, either. I've preformed some live, too. Go figure.

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Have you ever written a grant? I haven't, but I may eventually apply for one. There are plenty of tips online for writing grants/proposals.

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What sort of under clothing do you prefer? (silk, cotton, colored, boxers, whitie tightys, thongs, briefs....etc) For me: Commando. For my partner: Boxers. (If I had another partner, lacy panties. MROW! I'm heterosexual, btw. Go figure.)

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Do you like ICP (Insane Clown Posse)? Why or why not? I think it's so over-the-top it's hilarious. System of a Down has some fun music, too, (think "Sugar" or "Revenga") but they're more serious in other songs. If I'm feeling really silly, I'll listen to Mindless Self Indulgence (MSI). I listen to less of that type of music, but it can be a quick pick-me-up if I don't want to listen to DDR or bad...

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Why do we keep getting those emails that say you have won the lotto in the uk when we know its a scam? In minn. we have a place to forward those to for them to investigate it is dps.report-fraud@state.mn.us send them in and lets get this crap stopped. We keep getting the e-mails because spammers somehow got our addresses. People spam because they're looking for greedy or gullible people to give them account information (so they can clean them out) or to get an advance-fee check. Spam can be lucrative... if you're in Nigeria.

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Ok. for anybody else who is seeing the internet primary banner on their AB page: do the pictures of rudy, mitt, and thompson not make you shiver a little bit? its like would you like president bastard, president dumbass, or president shouldnt-be-an-option The Democrats are a joke, too. (I'm 3rd party. :P)

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Do you like the yiff? I had a guy who liked me who was a furry, but the guy was creepy. (He wanted to play connect-the-dots with my freckles using a Sharpie. EWW!) I also have an ex who was a catboi, but we were going to wait until marriage to have sex. (We never got married or got it on, by the way.) To each his (or her) own.

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What happen to milli vanilli? They had a whole episode of "Behind the Music" on VH1 about Milli Vanilli. Rob didn't kill himself until a while after it aired.

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If I was a sucker(sometimes I am) were would you put me? If you were a lollipop, I may put you in my mouth, as long as you were clean and a flavor I liked... (Would that make me a cannibal?) If you were gullible, I'd put you in touch with some of my distant relatives in Nigeria. They'll let you keep a portion of my inheritance if you help them out! Really! Scout's honor! They'll even prey on -- err, pray for -- you. Yeah,...

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Which park is more entertaining: Disney Land or Disney World? I only went to Disney World, but thought that Busch Gardens (in Tampa Bay) was worlds better. I liked the Busch Gardens in Williamsburg, VA the best. The food and the rides were great and it was cheaper than Disney, too! :)

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Isn't it strange how it says "Annuit Coeptis" on the back of the one dollar bill, which translates into: "to obliterate, to begin"? Your Latin's off... I took a little over 2 years in highschool. What dictionary are you using? annuit: 3rd person singular (he/she/it) of "annuo" that means to "allow, grant, promise, designate, nod, consent, give assent to, approve, favor"

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What's your best memory from the 90's? Mine is Vanilla Ice...LOL Vanilla Ice and Milli Vanilli... those were the days! SNICK had some great cartoons, too... "Ren & Stimpy" was awesome! "Animaniacs", "Pinky & The Brain", etc were great, too. "Ghostbusters" and "Teenage Mutant Ninja Turtles"! Man, the late '80s/early '90s was my childhood.

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My bf & i had protected sex a few days ago. but i let him stick it in for around 30-40 sec without a condom. i fear that his precum might get me pregnant? after that 30-40 sec, we had sex with a condom and he didnt even cum inside me. could i be pregnant? This is part of why "typical use" of condoms has a 15% failure rate. People don't use them correctly! As for pregnancy, there are factors such as how regular your periods are (and thus ovulation), if there was pre-ejaculate, if there were active sperm present in said pre-ejaculate, etc. Don't do something stupid like this in the future, not just for pregnancy, but also...

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Is it possible to get pregnant if a guy precums in you but does not come? It's unlikely, but possible. It's more probable that you'll have STD transmission if your partner's infected. "Pulling out" if your partner doesn't have a problem with premature ejaculation (though that's VERY common with sexually inexperienced and young/teens) only has a 4% failure rate with "perfect use" on average for a year's time....

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I know that if a man gets his right ear pierced it means he's gay. But if a woman only wants one ear pierced (the cartilage), does it matter which one? Nope. Haircuts seem to be more telling, though this isn't a rule. (Hence "lipstick lesbians" and what seems like every other college-aged woman "experimenting" with bisexuality.) Just be careful as cartilage piercings can be difficult, long, and/or painful to heal.

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Could you go 40 Days without any type of sexual activity including masturbation? Yep. Depression and/or trauma can really kill the sex drive!

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If men like to have anal with their partner, does that mean that he thinks she is too loose and therfore goes for something tighter like the anus? For most men, it's the fact that anal sex is considered to be a bit taboo or "dirty" that turns them on. Many guys seeking tightness will go for oral sex before anal.

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Could you go a year without any sexual contact? (no sex, handjobs, blowjobs etc) I see that you conveniently left out masturbation. :P I could without issue, but not if I was married. That'd be grounds for couple's therapy, even if I had liaisons my partner agreed to.

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If I went skinnydipping but someone stole my clothes so I had to drive home naked, but my car had no roof & u pulled up next to me in a Hummer & could see in my car, what would u do when I noticed u looking & screamed & covered my weenie in embarrassment? Pull out my video camera, follow until you get out of the car, then shout that I'm posting on YouTube. (I probably wouldn't, but it'd make ya worry, wouldn't it?)

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Can you guess where I'm from? +2 For everyone who tries. Tennessee ('cause you're the only 10 I see...) Sorry, I had to use that line!

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Ladies, do you send your man out specifically to buy your female products? Nope, I pick it up when I do shopping. I don't use traditional "female products" anyhow.

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If you tell a woman you want to watch her have sex..does that mean you are ..gay? Nope. It means you probably have a slight voyeuristic fetish. If it's your partner, this may very well just a fantasy that will/would end up with jealousy issues when it happens in real life. (This isn't always the case, of course, but it often happens.)

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A straight guy having sex with a dildo does it mean his gay ? he dont like men just girls , what u think he bi or or still straight? A man using a dildo doesn't mean he's gay, it just means that he likes anal and/or prostate stimulation. I've known plenty of straight guys who enjoy a finger (or more) up the rectum. The guy should make sure that the toy is flared at the base so that it doesn't end up lost. A trip to the ER may be embarrassing and "I slipped in the bathtub" doesn't explain...

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What do dildos mean to you? It means one our vibrators lost its buzz or the strap-on needs new straps. :P They aren't just for women or solo use, folks!

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Can you guess where I'm from? +2 For everyone who tries. You must be from Tennessee 'cause you're the only 10 I see. (I know someone has already answered this correctly, but I just HAD to use that one!)

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I got real tired of the all the trolls and sheeple on YA so I came on over here. Does anyone want to show me around? It looks like a awesome site but a little more complicated then I'm used to. Anything I should know to help maximize my experience? Thank There are trolls and sheeple here, too... just not as numerous and generally confined to certain sections.

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Should AB ban children from using the site in order to reduce the number of trolls? Kids could just lie about their age anyhow. It's nice having a separate "adult" section, though. :)

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How to get rid of bags under eyes? For dark circles or bags under your eyes you can place slightly warm tea bags over your eyes, leave on for 10-15 minutes. I haven't tried this myself, but I've heard others who said it works. I hope this helps!

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Can i find data entry jobs. but working from home. sites? There are sometimes opportunities in the local paper in the classifieds section. Just make sure that you're not going through a middleman agency as those can be scams. Temp agencies are not the same as some of these "placement services" and tend to be legitimate.

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What are some of the best ways to earn extra money working from home? And I don't want to have to pay for a membership or some stupid manual that will only provide me with a list of some sort. I also don't have much money to start my own business. You can start a business from home on little money, but you would have to start small. You could sell handcrafted items on eBay or etsy.com You could also try babysitting kids if that's your thing, but make sure that you have homeowner's insurance to help cover possible liability.

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Anybody know latin? What does 'qui docet in doctrina' mean? I took a little over 2 years of Latin and am starting to relearn it on my own. This part has already been answered, but in modern terms "He/she/it who teaches, on teaching."

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What Latin phrases do you know, and what do they mean? "semper ubi sub ubi" translates to "always where under where" ("always wear underwear") "veni, vidi, vinci" ("I came, I saw, I conquered") ("veni, vidi, Visa" = "I came, I saw, I charged it!") "ad astra" = "to the stars" There were a lot of Latin phrases used in math, science, economics,...

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On the back of a dollar bill there is a latin phrase by the pyramid thing, what does that phrase mean? Wanna give me a dollar so I can read it? ;) Annuit Cœptis: "[God] approves the things which have been begun." annuit: 3rd person singular (he/she/it) of a word that means nods, approves coeptis: to begin, to undertake God is understood because of the all-seeing eye on the seal. Literally, it's "He approves..." Novus Ordo Seclorum: "New Order of the...

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What does this latin phrase mean? Haud Nomine Tantum "Not only in name." or "Not in name alone." haud = not nomine = name tantum = only

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Would you ever go "dumpster diving" to save money? That's what CraigsList and FreeCycle are for! :P I've picked up some chain, books, and a few other items, but I'm living with others and they would disapprove. I figure that between finding stuff on the side of the road and people giving things away for free online, I could furnish a house. I know how to reupholster furniture and know a few methods of getting smells out, so...

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Can I go to my bank and ask them to obtain and explain my credit report as well as advise me on how I can improve it? Or ... will I have to do it myself? Doing this will probably hurt your score if it registers as a credit inquiry. You can check your own credit report for free and without hurting your FICO score by going to www.annualcreditreport.com. You'd have to pay for your credit score, but for that I'd advise you to go to www.myfico.com. There are plenty of websites that can help you understand your credit report, as well as...

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What is the best way to build credit? The easiest way to build credit would be to get a credit card. You can either get a secured or unsecured card to start out with. You could also get a secured loan (auto, student, mortgage). 35% of the FICO score is determined by payment history. To maximize your score in this area, pay on time EVERY time. A late payment stays on your credit report for up to 7 years! 30% = utilization...

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How old were you when you got your first credit card? 20 and I still have it. :)

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I got a call from a bank saying that someone used my SS# to apply for credit. I called Equifax, Experian and Transunion to report credit fraud. What else should I do? You would only need to call one to file a fraud alert on your credit reports. The one will notify the other two. I would file a police report and, if thoroughly paranoid, freeze my credit report. It does cost money to "freeze" and "thaw" credit reports, but it may very well be worth it. Sorry to hear this and best of luck.

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Does anyone know where i can get a credit card with no fees and no credit checks? ALL credit cards and most debit cards (all that I know of anyway) will run credit checks. Even if you're getting a secured credit card (which would charge a fee) requires a credit check. There are plenty of cards out there for people with bad credit (even bankruptcy), and there are a few with no fees. You may want to check with Capital One, but they do run a credit check.

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Does Anyone REALLY KNOW how to get a Credit Score of 900? A credit score of 900 would be a VantageScore, but VantageScores go up to 990. FICO scores (the industry standard) only goes up to 850. FICO scores go from 300-850, whereas the VantageScore ranges from 501-990. It's nearly impossible to get a perfect credit score, even if you follow the rules. You just need to get a score of 760 because 760+ gives you the best interest rates. To get...

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Are there some credit secrets to boost your beacon score? There really aren't SECRETS. 35% of the FICO score is determined by payment history. To maximize your score in this area, pay on time EVERY time. A late payment stays on your credit report for up to 7 years! 30% = utilization (balance-to-credit-limit ratio). To maximize your score in this area, try to charge under 10% of your credit limit on each card and in total. Maxing out your...

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I got a credit score of 971 from experian. how is that possible, if 900 is the highest score you can get? You received a VantageScore, not a FICO score. 990 is the highest VantageScore possible, whereas 850 is the highest FICO score. (A VantageScore ranges from 501-990. FICO scores range from 300-850.) Your VantageScore would most likely translate to a very high FICO score. Good job! To get a real FICO score, you can go to myfico.com

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My credit stinks (credit score from Equifax is 580) I had a bankruptcy discharged about 10 years ago and a foreclosure about 6 years ago. Can I get a mortage loan? Should I get a mortage loan? You may be a candidate for subprime lending. You'll pay a higher interest rate and the criteria is getting tougher to be approved. I'd suggest doing what you can to improve your FICO score. Learn about how credit scoring works and see if you can get help from the government through HUD. Best of luck!

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My credit score is obviously below a 520. either due to lack of credit or because of the credit cards i owe on. I need a $5,000 loan to without a credit check to pay off my car, so that I can lower my monthly payments. Where can I go? no prosper. They typically can, but the interest may be sky high. You're better off establishing credit first and then getting a loan. A dealership will give you the interest rate of someone with horrible credit because that's what they expect you'll have. (You don't even have a credit score, after all.) You may want to check with your bank or credit union. If you've had a long...

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What is the easiest and quickest way to build a perfect credit score? There is no quick way to build a PERFECT (850 FICO) credit score because 15% of the FICO is based on length of credit history. 35% of the FICO score is determined by payment history. To maximize your score in this area, pay on time EVERY time. A late payment stays on your credit report for up to 7 years! 30% = utilization (balance-to-credit-limit ratio). To maximize your score in this...

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Do you think that pennies will ever be discontinued? No, but they may change the composition again.

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What is your credit score when you first start off in life? "Not enough information to calculate a FICO score". No credit is sometimes referred to as a credit score of zero. The lowest FICO score is 300, but you don't start out at 300. Your credit score depends on how you handle credit. You'll need at least 6 months of activity to calculate a FICO score. It will probably be somewhat low at first because 15% of the score is determined...

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(US) Do the credit bureaus know how old I am? Do they have easy access to this information? Your name, address, social security number, employer, and telephone number are listed on your credit report. They get this information from those who submit inquiries into your credit report or who post information to the credit bureaus.

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Do you know your credit rating? How do you think this affects you? I don't know my FICO score, but I'd imagine it's decent. The only thing that's really holding me back is that I've only had a credit card for 2 years. I do, however, have a 5-figure credit limit, so that's helped me out with utilization. My credit score has helped me lower my interest rate, too, though I've never paid a penny of interest. :)

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Are you saving up for something? Do you have the will-power to do so? I spent about 2 years saving up for a DSLR. I'm saving for either a car or the downpayment on a house. I know that I have the willpower, it's just that waiting is the hardest part, as the Tom Petty song goes.

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Have you ever seen a copy of your credit report? I've seen from all 3 bureaus earlier this year and recently from another. I've been able to correct most of the information, but TransUnion apparently merged my record with someone else's and I didn't want to spend the time or money correcting credit inquiries. The accounts she opened weren't reporting... I think TU just pulled my report instead of hers. Go figure.

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Do you ever feel like your a losing a battle with your partner over money issues? Not really, but in part because we had separate finances. I think that with most of my ex-boyfriends, things would have gotten messy quickly if money were involved. The ones it's been serious with have wanted me to take over the finances, however. They would've hated me then. XP

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I'm broke. what should i do Realize that you're like a large number of Americans living paycheck to paycheck. Figure out where your money went. Track where your money's going (keep a spending journal) and see if you can set up a realistic budget and stick to it. If you have credit cards with high interest rates, you may want to call the credit card companies and ask for a lower APR.

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Leviticus 12:7 requires a sin atonement for a woman who has just given birth. Why is giving birth a sin? It isn't a sin to give birth, but the child born has Original Sin. In Christianity, baptism atones for Original Sin. If/when I have children, I'm going to avoid organized religion. The churches around here are interested in indoctrination rather than giving children a choice. (How can they truly accept Jesus if they don't have Free Will?)

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Have you seen the documentary Maxed Out? I wanted to see this in theatres, but it wasn't playing near where I lived. I was eager to watch it on DVD and saw it on NetFlix as soon as it came out. I was a bit disappointed, but it would probably be a good start for most consumers. I read the book and found it to be a rather interesting and informative companion to the film that picks up where the film leaves off and gives a...

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I've never owned a credit card in my life and don't ever want one. I've just heard too many stories about people getting in severe dept. Does this make me strange? I have many friends who refuse to get credit cards for this very reason. This doesn't make you strange. In fact, Dave Ramsey (and his listeners) would love you for it. A credit card can be used as a tool to help you build a good credit rating (FICO score) or it can be a shovel to dig deep into debt. Establishing credit is important because your credit can influence your auto...

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What do you think of the credit card company giving credit to Illegal Aliens? I don't do business with Bank of America, MBNA, or any of their subsidiaries, but this isn't the reason why. I wouldn't see much of a problem with non-US citizens having a SECURED credit card, but I think it's nuts to give an unsecured card, even if there IS a low credit limit. Why not just have them use debit cards and checking accounts?

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Credit cards. The average American has seven. With high interest rates, late charges, and instant gratification have they become a convenience or a curse? Comments welcome. It depends on the person behind the credit card. For me, they're a convenience and help me make more money (through cashback and a float on my money, which is making interest in a high-yield savings account). For others, they've been a source of great distress, helping push some to suicide. I have one and pay it off in full and on time every month. I've never paid a penny of...

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If we required teenagers to take a class in high school about the dangers of getting into debt with credit cards and how to be money safe do you think that would help prevent them from getting in debt? Dave Ramsey has some Financial Peace University course for teens in highschools. Credit cards aren't the only way to get into debt, but they're one of the easiest. I did amortization tables in math classes in highschool and college. I think that if people actually read the terms of the credit cards they were signing up for and didn't send in the application until they...

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Do you think credit cards are helpful or harmful? It depends more on who holds the credit card. Credit cards are a tool. They can be used to help build a credit history and a good credit score (FICO), which can help you get lower interest rates on loans (such as mortgages), determine the deposit needed on credit card contracts, utilities, etc., help lower your auto insurance rates, and even help you get a job (many employers are checking...

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Have you heard "Band-Girls-Money" by Tsar? http://youtube.com/watch?v=diovUs-wKN0 I haven't seen this on television or heard this on the radio. This makes me think of Jet meets the White Stripes with a smidgen of Public Image LTD, but calmer, but not as calm as The Strokes.

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How come people make choices for their dogs? Like euthanasia, abortion, castration etc. People will get their dogs "fixed" to help lower the unwanted pet population. It prevents dogs from ending up at shelters, many of which are NOT no-kill. People will euthanize their pets if they are suffering. Abortions on dogs usually is a result of attempting to spay a pregnant bitch.

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Is it possible to kill a healthy wolf in self-defense? This is a trick question! :P Wolves will attack if they're in starvation, are rabid, or have something else wrong with them.

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Can i be your teddy bear? As long as you aren't a bear wearing a teddy. :P (My on-again-off-again is a bear. Not my normal taste in men.)

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Have you ever been, or are a Gold Digger? Nope, but I am an entrepreneur. I'd rather a guy buy stock in my name rather than giving me jewelery... I'm more practical than sentimental and that's a gift that keeps on giving (yay for dividends)!

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Remember when gas was $.75 a gallon, Will gas ever go down? I don't remember that price (but it may be that I'm young). I remember gas being under a dollar per gallon, however. I think that gas prices will come down if China's demand decreases (probably after the Olympics) or if the US dollar becomes stronger. I think the price will go down temporarily, but I don't think it'd be long-term. "The End of Suburbia" is a...

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In your opinion who has the best web browser? I use FireFox. The best browser depends on your particular needs.

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Are you on the "Do not call" list? My home's landline, yes. My cellphone, no. I get far more "wrong number" calls than telemarketing. I don't give my number out and when someone DOES call, I ask where they got my number. If I get more than 1 telemarketing call per month, I'll consider getting on the do not call list. I've opted out of the "pre-approved" credit card offers and...

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If I deposit £1000 onto my credit card that has a limit of £500, will I be able to purchase something costing £1500? (It's a Natwest Credit card) You could call your credit card issuer and ask this question. This would be the simplest route. (I've tried this and the only way that my particular credit card company would allow this would be if I were to pay through a paper check.) You may be able to request a credit limit increase. The other option would be to put the money in the bank and pay via a debit card. I'd try to get...

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Look in your pockets. What do you have and what would you give to me? I don't have any pockets. I'm wearing an ankle-length skirt. :P In lieu of this, I'd give you a hug or a pat on the head.

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What is the cheapest credit card to use in the USA please It depends on your country. Whichever has the lowest foreign currency conversion rate. Just make sure that they process the sale in the local currency so that you get the banker's rate. Capital One allows US citizens to use the card without a conversion fee. My card only charges 1% of the transaction. Check to see what cards are available in your country and choose one without an annual...

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With the holiday spending time upon us: Regardless of your income or age, do you owe more than $3,000 in credit card debt? How many credit cards (that you use) do you own? If more than $3000. total is owed, how much more, or do you even know the total? I've only had a balance over $3,000 once. I paid it off in full when it was due, so I don't consider that as "debt", just as a bill since it wasn't past-due. I use one credit card, but it has a 5-figure credit limit. There's a lot of self-discipline and denial involved. (I pay my bill off in full and on time EVERY month. If I can't afford it, I don't...

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What do you use your credit card points on? I prefer cashback rather than points. I have some points from a debit card and if I ever end up using it again, I'll be putting the points to a gift certificate at a place I spend money at anyway.

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Is it smart of me to "cancel" my credit card? Why? No, it isn't. Your credit score will most likely suffer because (A) you're reducing your available credit, which affects your utilization ratio (30% of your FICO score) and (B) you're affecting the length of credit history (15% of your FICO score). If you're trying to get a mortgage and the lender is concerned about the possibility of getting into credit card debt, you...

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What is the highest credit score you can have? The highest FICO score you can have is 850. The highest VantageScore is 990. I can't think of any lenders who use VantageScore over FICO or a FICO derivative. FICO scores range from 300-850, whereas VantageScore ranges from 501-990.

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How can I get a loan if I have bad credit? You could try a pawn shop. This would be a secured loan because you'd have to put up some collateral. They don't check your credit, but if you don't repay, you're out your item(s). They only give you a fraction of what your collateral is worth, but they only sell it if you are a few months late in repayment. A less regulated option that I'd take only as a last resort...

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Leviticus 12:7 requires a sin atonement for a woman who has just given birth. Why is giving birth a sin? Leviticus is full of things that would make someone ceremonially unclean. (A woman on her period is also ceremonially unclean. A man who ejaculates is ceremonially unclean, as well as the woman if he came inside of her. A lizard falling into an earthenware pot makes it unclean and the pot must be destroyed.) These, however, aren't sins. From my understanding, the sin offering is for the...

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Who wrote 1 Corinthians 6:9? Paul. It was a letter (epistle) to the church in Corinth.

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Doing a evaluation on yourself, do you honestly think you need to lose weight? Yes, I do, but for health reasons beyond physical appearance. I've lost over 20 lbs so far this year, which is worlds better than gaining weight! (I've traveled a lot this year, so fastfood and dining out has been a must.)

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Is it advisable to drink hot coffee during meals? why? I don't think it makes much difference taking coffee with meals as opposed to before or between meals. There's caffeine and antioxidants in coffee. Drinking coffee can lower your risk of type 2 diabetes, Parkinson's disease, colon cancer, cavities... the list goes on. Caffeine can also help lift your mood and treat headaches. I prefer to avoid caffeine because I don't...

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Have you ever put your sock in your boyfriend's mouth to shut him up? I had my feet on my boyfriends lap whilst I was on the phone. He was talking loud and teasing me. I took my sock off, balled it up and said "open wide". He did!! The sock went in! Bliss I never have, nor would I ever. If he wasn't respectful of me (beyond non-hurtful teasing), I wouldn't be with him. Of course, I normally go outside to take or make phone calls (other than "what are your hours?" for businesses or "do you want to hang out?" for a friend) for the sake of politeness to those I live with. I used to live with my partner and when I...

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Has anyone seen the documentary "An inconvienient Truth"? Are you doing enough to conserve our resources to prevent global warming? I've seen the film on DVD. I don't take private jets (unlike Al Gore) or drive SUVs. I use EnergyStar appliances in my home, turn out lights and the television when not in use, and use rechargeable batteries when possible. I have a small garden in my back yard, rarely eat fastfood (major chains do a LOT of trucking), and cook at home (and only make one weekly trip to the grocery...

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Are there any documentaries about animal cruelty, puppy milling, sport hunting etc.? I'd imagine that if anyone documentaries, PeTA would. There are plenty of written accounts of puppy mills out there from animal lovers and responsible breeders. PeTA has an article about puppy mills here: http://www.peta.org/mc/factsheet_display.asp?ID=45 There are entire shows on sports hunting on television. I believe The Outdoor Channel would have some, but I can't say for...

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Who hates MYSPACE? I don't like many of the people on there, but I do have an account. I rarely update my page, but I use it to help me keep in contact with people I know in real life. It's a way for people who don't know HTML to have their own page. I prefer to update my personal website and have various sections rather than just one long page that takes forever to load because I put 50 million...

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How come my slot machine dont take money any more? Most slot machines don't take coins because they would jam from time to time and some people would use slugs. Also, it's easier for people to spend money if it's electronic rather than putting another quarter into the slot for each pull. Pushing a button doesn't have the same psychological effect as parting with money. Dollar bills now are harder to counterfeit as well,...

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How come my slot machine dont take money any more? If it's YOUR slot machine, it's probably malfunctioning. You may want to get it checked out.

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Have you ever met anyone on the Interent and when you meet in person....totally a 180 degree personality turn? I tend to do more communication over the phone, but I have met people through the internet who are fine on the phone, even for weeks or months, but turned out to be rather nuts in person. I had one guy start stalking me in real life. It was creepy.

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What song goes like this? "It was the most quite very loneliesterest day of my life TO THE MAX" Half of the emo songs out there?

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Would you feed a hungry lone wolf? I think I'd call my local carnivore preserve if I saw a lone wolf. I'd trust them over animal control in my area. (Feeding could make them used to people or would teach it to rummage.)

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What's the fine for killing a wolf in Idaho? Up to $25,000 (and six months in jail).

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What does /b/ mean? /b/ in the -Chan boards (most notably 4chan.org) is the "random" image board. Regulars on /b/ are often referred to as /b/tards. /b/ is known to officially have a "No rules" policy (except for child pornography and "invasions" of other sites). The only other requirement is that you be 18+ as there is a lot of adult content.

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My wife and I are adopting a baby in November. I recently started with my current employer and was not aware that they would not let us borrow from our 401k. That is where we were going to get most of the money for the adoption. Can I cash I wouldn't advise borrowing from or cashing out of your 401(K). Borrowing from a 401(K) is a bad idea because there is a 10% early withdrawal penalty, you are taxed when you take the money out, and you have to put the money you borrowed back in with money that's already been taxed ("take home pay"). With pensions a relic of a bygone era and the way that Social Security is...

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What exactly is the thrill of chasing a wolf (possibly pregnant) to exhaustion with a helicopter and shooting it from close range? Any female animal is possibly pregnant. The thrill of chasing a wolf would be because it's a creature that represents valued traits (leadership, community, problem solving, etc). I don't see how it's hunting if there isn't a "fair chase". I guess they have to compensate in some way. :(

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Was Walt Disney a furry? I don't think so, but he's been an inspiration to many. http://www.msnbc.msn.com/id/15242140/ I've seen more fur suits based on Hanna-Barbera cartoon characters than Disney, but perhaps it's just what I've been exposed to. 4chan's /b/ has used one of Disney's characters (Robin Hood) for their anti-furry images.

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Is this some sort of joke? On an online career planner i said that i really like animals and one of the job recommendations was "hunting". At least they didn't say "slaughterhouse employee"... Hunting is generally either a means of survival or a form of recreation. I've known of a very few career sportsmen, especially outside of fishing. Perhaps you could raise sheep, llamas, alpacas, etc. for wool? (I couldn't really get the hang of a spinning wheel. *LOL*)

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How come they still haven't taken the human off of the endangered species list? i say it's about time to do some population control! That's what birth control, abortion, street violence, war, famine, genocide, disease, etc. is for.

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Is wolfhunting illegal in Alaska yet? Aerial hunting/spotting is legal as long as you have the proper trapping/hunting license. Wolves aren't considered to be endangered species in Alaska. To my understanding, "fair chase" hunting of wolves is illegal in Alaska, but I can't say for certain.

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Has anyone pre-ordered Halo 3? If so, what edition? I haven't, but I'll be waiting for either a used copy or for the price of new games to come down. (I'm still waiting for XBox 360 prices to fall. *LOL*)

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Anybody like Resident Evil? Any other fans on here? I've only played RE4, but I enjoyed that. I'd play the earlier games if I could get my hands on them. (I don't have it in my budget at the moment.)

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What do you think is looked down upon more interracial relationships or gays? I think that it depends on the area, really. I live in an area that's very tolerant as well as fairly acceptant of homosexuality, but I've had complaints from "both sides" when I was in an interracial relationship. I was told that I was "gonna dilute his black blood". I didn't have nearly the flack when I was dating someone of (mostly) Asian descent. ...

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Do you work better under pressure? For eg. would you work more sincerely when an assignment is due tomorrow or when an assignment is due next week? I tend to work better academically if I'm near the deadline. I will keep editing a paper if I have the time. I try to have enough time to completely research, write, review and make changes, but I don't usually need more than a day or two for the actual write-up. Usually, I'll be collecting data, but I don't sit down to write until the end is near. I tend to set arbitrary...

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Can a 15 year old open his own bank account under his name without his parents being able to access it and withdraw money? Not in general. Most major banks require an adult to open a joint account with you because you need to be 18+ in order to be held to the contractual agreement. They'd be stricter with checking accounts than savings accounts because they need to be able to hold someone accountable in case of fraud, bounced checks, etc. The minor could disaffirm the contract at any point under age the age of...

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At USA in what age can you withdraw your money from a bank? I don't think there's an age restriction as long as you have a bank account. Generally, a parent or guardian will set up a joint account with a child. To open a bank account in the US, you are generally required to be at least 18 years of age because you're entering into a contract.

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Do you check out what the person in front of you bought at the supermarket? I usually shop during "off hours", so I don't even have to worry about lines. :P I don't typically analyze the purchase of the person in front of me. I'm more interested in trying to figure out how long it's going to take for them to check out and then get into the "shortest" line.

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What Halloween TV special celebrated its 40th anniversary last year? "It's the Great Pumpkin, Charlie Brown". It first appeared in 1966. :)

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What dessert is a traditional part of halloween in Ireland? Barnbrack cake.

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How old were you when u first got drunk? I've never been drunk and I'm 22. I like margaritas, though. I'm not easily drunk and I'm too cheap to find out how many pitchers it'd take. :P There have been many alcoholics in my family, so I've been a bit cautious as well.

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Is a 7to8 inch penise large or small /first timer Compared to the "average" it's "large". It wouldn't get you anywhere in porn, though. If the partner has used larger sex toys in the past, it may not be "too big", but it depends on the partner. Just make sure that you go slow and you both are comfortable.

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Whats the address of that website that tells you all the little mistakes that they made in films? MovieMistakes.com (http://www.moviemistakes.com/search.php) has a good collection. SlipUps.com (http://www.slipups.com) is another resource. Whoops! Movie Goofs (http://www.jonhs.com/moviegoofs/) has some as well.

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Today is ADHD awareness day. What are you going to do to celebra... Ooooh pretty! *runs after butterfly* I LOL'd! I've been known to stop in mid-sentence, go "oooh pretty!", then return to what I was saying. At least I can get back on track, but I'm easily distracted at times. :P At least I keep my eyes on the road while driving. Lord, help us all for those who don't!

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Does anyone love them selfs and if you are they got a name for it Autosexuality The non-sexual version is called Narcissism. It only becomes a problem when you choose yourself over (you and) a partner.

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What is your birthday in binary? 15/09/88 => 1111/1001/1011000 I can count from 0 to 31 on one hand, but I'd prefer not to make my birthday public. 06/XX/1985 = 110/XX/11111000001 1/1024 1024 1/512 1536 1/256 1892 1/128 1920 1/64 1984 0/32 1984 0/16 1984 0/8 1984 0/4 1984 0/2 1984 1/1 1985

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Who out there is 22 yrs old? I'm 22 and a few months. :P

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What is your favourite musical? "Hedwig and the Angry Inch" I also like "Sweeney Todd" (I have it on DVD. It's the version with George Hearn and Angela Lansbury. I'm curious about the new version coming out.) "South Park: Bigger, Longer, and Uncut" is great, too.

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Posibble sponsors for my dads kidney transplant You may want to check local churches, especially if you or your father are involved in organized religion.

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Is there anything that we come into physical contact with that has more bacteria than money? Door handles (not just of restrooms, public telephones, the bottom of women's purses (if they leave them on the ground), and CHILDREN!

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What age did Celine Dion get married? Age 26 (December 1994)

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How many auto zone stores are there nationwide? However many dots are on this image. :P There are "over 4,000 AutoZone stores in 48 states and the District of Columbia in the United States and 84 AutoZone stores in Mexico." -- http://www.autozoneinc.com/about_us/our_company/index.html

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Could you live without bagels? I try to avoid them now because I'm on a diet. I enjoy them from time to time, though.

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Do you love the life you live? And live the life you love? What I don't love about it, I'm working on changing. :)

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What is your favorite shade of blue? Azure. #007FFF Denim. #1560BD I went to UNC, but I don't like Carolina Blue. Go figure! :P

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I AM STRUGGLING IN MY FINANCE CLASS. WHERE CAN I FIND TUTORS OR HELP IN GENERAL? I'd start with checking your prof's office hours. Have you read your textbooks? Are they clear or confusing? You could try books at your college/university's library. Some textbooks are better than others and your library should have a fairly good selection. Good luck!

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How do i get a job in advertising? Creativity as well as having a knack for knowing your customer/target market is important. You'll generally need a marketing degree and/or experience in the field. A background in human psychology can be helpful as well. I hope this helps.

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What happens if someone who is temporarily visiting the USA plays on a lottery and wins a huge amount of money how is he going to take the money to his country? That sounds like a reverse 419 scam. :P Seriously, though, after taxes, he could electronically transfer funds into a foreign (domestic for him) bank account, but he may have to deal with taxes from his home country as well. That would give him the banker's exchange rate, which is better than you'd get at the airport.

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Did you have the $314 million dollar Power Ball ticket from a Speedway station in Richmond, IN.? It hasn't been turned in yet, check your numbers. I know I didn't because I don't play. Usually a winner won't come forward before consulting with a lawyer and/or financial planner. I'd hate to think of the taxes on those winnings... but, hey, "free" money's always nice. :P

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Do sailors really curse more than other people? No, that'd be the Marines.

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I have ruby stone 1445 in carrot need to find out what would be the selling value You should take the stone to a certified gemologist to be appraised. The cut is worth a lot, as well as the color (it should be "pigeon blood") and lack of inclusions. Make sure that this person has no interest in purchasing the ruby or there may exist a conflict of interest. (They may low-ball the value.)

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What was your favorite Trick on Halloween, when you were a kid? I never "tricked" but some of my friends would TP their own trees. I've heard of teens egging houses, but they were of people they knew (and didn't like) anyhow. (The owners were at the Franklin St party.) I guess they were trying to make it look like trick-or-treaters did it?

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Would you date a guy who had a relationship with a girl who posed for riske photos on the internet and had a reputation for sleeping around? Would the fact that he dated her say something to you about him? I've been on the photographer's side of risque photos. I've also dated guys who've dated "loose" women before. These two both were obsessed with said women. I didn't like that they'd go on and on about their exes and it drove me insane. It gets to a point where someone will judge you compared to the ex and I want to be seen independently. I'm not...

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Do you like to color still? I thought it to be a bit strange when my partner was coloring in a coloring book (with crayons) when he was nearly 21. It kept him calm, though. I think it reminded him of a better childhood.

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Do you eat Breakfast for Dinner? If so what is your favorite? My mother's a vegetarian, so when my father was out of town, she'd either make grilled cheese sandwiches or pancakes and grits. As a child, it was a lot of fun. As an adult, if I'm in the mood, I'll make oatmeal for dinner. I often have buttered (well, Parkay) toast as a snack.

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Whom should I dress as this Halloween... Enma Ai from Jugoku Shouji, or Yuffe from Final Fantasy, or Vincent Valentine? Vincent... just because!

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Samhain/Halloween is my favorite holiday....How do you plan to celebrate Samhain/Halloween this year (2007)? I'm not entirely sure. I'll probably be in Baton Rouge, but I don't know if I'll do anything down there. If I'm in NC, I may go to the party on Franklin St. in Chapel Hill (UNC campus).

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Why do people tatoo their body? There are various reasons why people are tattooed. Some do it to stand out, others to fit in. For some it's just a fad, for other's it's a statement or self-expression. Some will get a tattoo in memory of someone, others will commemorate an accomplishment... some just think it looks cool/pretty.

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What are your thoughts on Guy Fieri? He is on FoodTV and he looks like a wayward clone of Corey Feldman. I like "Diners, Drive-ins, and Dives" but his voice, half-covered tattoos, and on-air personality (he seems a little too enthusiastic) get on my nerves. I wish they'd give recipes rather than "it's a secret!" or "made with love". Still, I may stop at one of the places featured if it isn't too far out of the way. (I don't think there are many...

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Can a person with disassociated dissorder have their children taken away from them by the courts? Dissociative Identity Disorder (more commonly known as Multiple Personality Disorder) can be serious, but I think it'd be determined on a case-by-case basis. As a single parent, there would be less stability in the home and that's one of the things social workers would be looking for: safety and stability.

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My father only gets $20 a week allowance from mom. They both contribute to the income. This $20 is blow money. He usually spends it on lotto tickets. He doesnt pay for clothes, gas, haircuts or anything. He wants more. Retired on a fixed income? If he's usually spending it all on lotto tickets, what makes her think that he'd use it on anything else? I can't tell if this is a gambling addiction or not, but if it is, it's wise that she not give him more. He could buy an entire outfit each month if he wanted to, but he chooses not to. In a year's time, that's more than $1,000. If he's retired on a...

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After paying all your USUAL monthly bills, do you have Plenty left......Some left.......Not much left......Next to nothing left or......You're "in the hole" one way or another? Care to share good fortunes or tough times? I'd normally have some left over. I'm living off of my savings at this point, though I'm owed (by friends and family) a bit over $4,000. I hope to start putting money into retirement, so I'd have next to nothing left. I have a "go to hell" (emergency) fund and savings I'd be able to tap into before going into debt. If I don't have to worry about car...

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How much time do you have when someone rings your doorbell to pretend that you aren't home so that the person on your door step doesn't get mad because they know you are home and don't want to let them in? Why does it matter if they're mad? You're inside, they're outside, they can't get you! :P Seriously, though, if they're door-to-door and know you're in there, they'll probably think that you're rude, but they've probably experienced that before. How do they know that you aren't hard of hearing, very busy, taking a bath, having stomach...

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I have service with sprint but get horrible reception at the house and work. I am 9 months into a 2 year contract what can I do without complaining for a year to make them drop me. There are sites to sell/trade your contract. You could look for someone locally, too, I'd imagine, but make sure that the contract is exchanged and that your name isn't on there in case the person decides to go crazy with overages. http://www.celltradeusa.com/faq/ http://www.smartmoney.com/consumer/index.cfm?story=20060713 I think that Clark Howard listed some other sites,...

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Who directed/wrote the movie Dead Presidents? according to IMDB at http://www.imdb.com/title/tt0112819/fullcredits Directed by Albert Hughes (as The Hughes Brothers) Allen Hughes (as The Hughes Brothers) Writing credits (WGA) Allen Hughes (story) & Albert Hughes (story) and Michael Henry Brown (story) Michael Henry Brown (screenplay) Wallace Terry (story "Specialist No.4 Haywood T. 'The Kid'...

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ARE both co-signers liable for repossesion and what could be the result, garnishment, credit? Yes, by law, they both are. Their FICO scores will reflect that there was a repo on their credit as well as the late payments. By law, this negative information can only remain on the credit report for 7 years. The thought of having a cosigner is that the person with good credit will keep an eye on the person with poor credit because their good credit is on the line. The cosigner is just...

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If you could slap someone, who would it be? Oh, I can slap many people. It's the consequences I don't like... or did you mean THAT kind of slapping, you naughty devil?

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Have you ever had a family photo, made into a christmas card? I don't remember my family doing this, but my cousin does. There are plenty of places, including WalMart, that will make cards out of digital photos. I have a digital SLR and was considering doing wedding invites for a friend of mine by using card stock and my printer. :)

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I made handpainted fairy aromatherapy heat packs to sell on ebay and itsy.com.............not to sound full of myself, but they come out very nice, and I priced them very modestly. Only sold one!!!! What kind of crafts/artwork sells well on craft sites? On eBay, it depends what category you sell in, if you are putting them up as auctions, BuyItNow, or as "store inventory" as well as what keywords you're using. You may also need to put a thumbnailed image of the fairy heat pack. I'm assuming you meant that you were selling on etsy.com but I don't have experience there It may be your marketing, your merchandise,...

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Have you ever been to a tattoo fest/convention? I haven't, but I wouldn't mind going if I could get in for free. I'd rather have a smaller local BME meetup and hopefully try out suspension. :)

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Can you write checks anymore? All the places around here have banned them. You can still write paper checks at some places, but it's getting rarer and rarer. I prefer to pay via credit card and most places are accepting debit ("check") cards now. People seem to be switching to electronic payments as well.

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How old must one be to get a tattoo in the US? It depends on the state... in most areas, it's 18+. Some allow you to have parental permission if you're younger, but not all. Even if you can get a tattoo with parental consent, the particular parlor may still choose not to tattoo you. http://www.nipples-n-more.com/laws/

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Are you wearing any pants? Nope, but I am wearing an ankle-length skirt.

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Is there any worse legal business practice than PayDay loans? Subprime credit cards with a $200 credit limit and a $150 activation fee... CashCall charges over 99% APR and uses Garry Coleman as its spokesperson. Many know that he had financial difficulty and even on a bigscreen HD tv, it's hard to read the fine print on the commercial! I'd suggest pressuring your representatives and congresspeople to take this issue seriously. Many of those...

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Where do you eat in RTP? There are plenty of places at the 54 and 55 intersection. Sal's Pizza and China Express are both nice. In Durham, I also like Neo China, Saladelia, Torrero's, and El Rodeo near Sam's Club and Target. Pulchinella's is great, too (near Garret Rd and 54 at the shopping center with the Food Lion and True Value). In Cary, Main Garden's nice. Ruth's Chris is about...

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Are they're any underage nightclubs in North Carolina? I've heard of people sneaking into Legends (gay club, though it has "goth night") in Raleigh, but they've cracked down on that lately.

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Do you live (City, State, Region, Country) where you would like to live? If not, why? I'm not liking Durham, NC. There's too much racial tension, the humidity's too high... it's like Baton Rouge, LA without the culture or the cuisine. I'd love to move to Mississippi because I have family there, it feels a lot safer, and the traffic isn't total doom. The motto ("It's like coming home.") really rings true to me. :) I'd also...

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Based only on the food, what country would you like to live in? Italy. At least I can understand the language fairly well. (I paid attention in Latin class.)

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When i was younger my mom or my dad did not have a job and they forced me my older brother and my older sister and my younger sis to find a job and pay for all the rent, food, clothes, gas anything and everything they wanted. Is that wrong. According to the Bible, it is. 2 Corinthians 12:14 says "...Children shouldn't have to provide for their parents, but parents should provide for their children." It depends on the circumstances, really. Why couldn't your parents get a job?

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Ladies: Do you cook because you like to or because you have to...or not at all? I cook because I generally like it... and because it's cheaper/healthier/more convenient than fast food.

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What are some good anime shows for guys to watch? "Gravitation" (it's yaoi, but g-rated... if you're homophobic, you might want to avoid) "Hellsing" is great. "Cowboy Bebop" is one of my favorites. "Bleach" seems interesting so far. (I haven't seen the whole series.)

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If there were Answer Bag Anonymous, would your go to the meetings? Nah, it'd take away from my time on AB!

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Which character on South Park can you make a parallel comparison to a character on The Simpsons? Butters = Milhouse ("Simpsons Did It") ...the misfit sidekick

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Has a person you were going out with ever invited their friends along on a date that was supposed to be just the two of you? A guy I went on a date with took his mother along with him. We met up at the mall, but it was awkward. I ended up spending more time talking to her than I did to him. Needless to say, there wasn't a second date.

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Have you ever been shot with pepper spray? Is it as painful as it looks? I haven't been directly sprayed, but I was in the house when my partner sprayed it into the sink... I ended up having trouble breathing and vomiting before he felt anything. The door to his room was closed, so the fumes went underneath the door and then some. I'd hate to have that sprayed in my face! My eyes burned for a while, but the pain from vomiting was worse. I've also...

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Since some financial success is achieved by exploiting others, beauty can be manufactured and intelligence can be the result of adroit use of smoke and mirrors, should we stop admiring people just because they are rich, good-looking and apparently smart? What do you mean by "intelligence can be the result of adroit use of smoke and mirrors"? There are multiple intelligences. I find creativity and problem-solving to be important. Of course, many serial killers are smart and have done evil in this world. I don't see why someone should be admired on the basis of being good-looking. Financial success is a combination of making...

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Why do some people assume I chose to be a transsexual? Some people assume it's a choice to be gay... Being transgendered is even more difficult. A friend of mine who is now what many would call a "shemale" had severe depression before she started hormones. It's still difficult for her, but I'm happy that she feels more comfortable in her body. It's a tough decision to go through therapy and sexual reassignment...

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If a guy is on a date w/ a girl and the girl doesn't know how to play golf, why would he choose to go behind her and put his arms around her to physically show her how to swing a club as opposed to have her watch him how to swing the club? Some would do this as an excuse to touch her in a way that isn't awkward. Others would do this with anyone. It can be easier to show how to swing from behind a person, guiding their arms, than from in front or from the side.

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Is it really true that you don't forget your first love? Will you still remember even after you get married? Yes, if for no other reason than it was my first love.

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Would you let your 13 year old daughter take the bus for a 20 minute ride to the mall? Probably not. She could probably catch a ride with a friend after school some time (if the friend's parent were driving). It just seems like a bad idea... If she takes the bus and then buys something, she has to ride back with the item(s), which draws attention. I took the city bus in Durham, NC when I was 15 and my friend pointed out that I was "the only white girl on the...

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How much is a comprehensive STD test? Depending on where you live, STD testing may be free. You should check with your local Department of Health and Human Services. Otherwise, you could get STD testing at Planned Parenthood, but I'm not sure how much it costs. If you go to a doctor's office, you'll probably be charged a fee for the appointment itself. If you have health insurance, STD testing should be...

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How do you stop credit card company's from soliting a minor thru the mail. I've received 5 offers thru the mail and called them 5 times to stop it they say the same thing over and over. Im concerned with idenity thief. thank you Go to http://www.optoutprescreen.com You may also want to put up a "fraud alert" on the credit reports. If your state allows it and you want to spend the money (usually about $10 as well as a fee if/when "thaw" your report), you could put a credit freeze on each of your reports.

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Let's say you won the Mega-Millions lottery and you are in debt. The money would basically cover it all, except you have $500,000 left. Would you give the money to charity or keep it to yourself and use it for only yourself.(You cannot donate PART of it) Couldn't I use the money on myself during my lifetime and leave it to charity in my will? I don't know which is more likely: that I'd buy a lotto ticket (ESPECIALLY if in debt) or that I'd actually win. I've actually wanted to start a non-profit organization, but I'm going to assume that I had a mortgage as part of my debt. In that case, I'd probably...

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What is the one thing you would do if you had no financial limitations? I'd probably travel and take more photos. I'd probably want to get better equipment, too. I'm working on being "independently wealthy" so that I have the freedom to do what I want when I want. I'm not the kind of person to fly off to another continent on the drop of a hat, but I'd like the resources to be able to so. I'd also like to do some charity...

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DO you pay off your credit cards every month or do you make your minimum payments all the time and max em out? I always pay mine in full and on time. The most I've ever paid was $3,287. (I bought a DSLR and accessories as well as traveling halfway across the country twice. Flights, gas, hotels, meals out, rental car, etc. really adds up!) I've managed to stay out of trouble by spending on what I'd otherwise pay cash for and making sure that I have the money in my account. I have an...

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How would you react/feel if your credit card was maxed out? I'd cringe. (I have a 5-figure credit limit on my card.) The most I've spent in a month was $3,287. I bought a DSLR and went halfway across the country twice. (Flights, gas, hotels, meals out, rental car, etc. really adds up!)

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I'm in the process of filing for a divorce. My husband applied for credit cards under my name and maxed all of them out. How should I handle this matter so that I don't have to pay? That's horrible! You should file a police report, contact the creditors, and put a fraud alert on your credit report. You only need to contact one bureau and they'll notify the other two. I'd also watch out for further identity theft. These accounts were opened fraudulently, so you are not responsible for the debt. If he has other debts solely in his name, you are not...

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If you are a Christian, do you drink alchohol? Why or why not? I'm a believer, but not a churchmouse. I drink, but I've never been drunk. I don't get drunk for various reasons... I don't like recreational highs (I see no problem with others, as long as they aren't obnoxious), I don't enjoy beer (though fuzzy navels, margaritas, wines, etc. are nice), I don't need the calories (I try to drink water instead), I'd...

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I have a very very fair complextion and dark hair, do men find women with fair complextions less attractive than the "tan" girls? It depends on the guy. I'm a redhead and CANNOT tan. I faced teasing when I was younger and would come back from summer break the same shade I was a few months before. Some guys like fair ladies. :D If he doesn't like you based solely on appearance, you don't need him.

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If you keep shifting a credit card debt from one card to another on 0% interest 9 month deals, is it right that in the end your earnings will inflate far higher than the debt and thus it will be easier to pay? This won't work for most people because many cards have a 3% balance transfer fee, even if they're charging 0% intro APR. If you have your money in many bank savings accounts, you'll be lucky to get more than a fraction of a percentage of interest. If you have your money in a high-yield savings account (these are mostly online), you could make around 5% APR. You'll still...

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What's the average people you know are credit card defaulter? I don't know if there is an "average" credit card defaulter. Some are in tough times because of a job loss. Some are having trouble making ends meet when their mortgage interest rates rise (because they didn't have a fixed-rate loan). Some are simply disregard their obligations. Some are over their heads in debt and can't even make the monthly minimum payments. Some...

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If you could sing a duette with any one person, who would it be? It depends on the song, really... Josh Groban has a lovely voice if I were to sing more "classical" or operatic music. If doing something more "fun" I'd like to sing with the singer from A-Ha. If a female, then the chick from Nightwish or Nina Hagen.

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Are you happy with your weight? If not are you doing something about it? I'm not happy with my weight, but I'm dieting. I've lost over 20 lbs so far this year, but I think that what's better is that I haven't GAINED weight with all of the travel I've done. At least I'm happy with my health and I hope to keep it that way by exercise and healthful eating. :)

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Has anyone actually read and used Matthew lesko's books? Do his books work? In lieu of his book, has anyone applied for a government grant and written a proposal? His books don't tell you of any "secret" information that you couldn't find on your own. -- from Wikipedia: Critics claim that Lesko is misleading in his advertisements. A 2004 report by the New York State Consumer Protection Board claimed that most of the grants mentioned in Lesko's books were actually public assistance programs that many people were not eligible...

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Which single store would you choose to max out your credit cards? The thought of maxing out my card makes me cringe... if I had a shopping spree equal to my credit limit, I'd want to get something practical, so I guess I'd choose Costco or Sam's Club. At this point, I'd take an unfurnished house with a nice yard over a bunch of "stuff" I'd have to keep lugging around. (I've moved a lot over the past few years as well...

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Have you ever tried to max out the number of open tabs in one window on Firefox and if you have, how many did you reach before FF gave up the ghost and stopped responding? I have, but I wasn't trying. I think it somewhere around 50 tabs open simultaneously. I've done this a few times, actually. When I closed one, a new one was able to open. Can we say "multitasker"? :P

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In my country, a particular bank give prepaid mastercard like phone card! Can be used at any ATMs worldwide. I would like to market it worldwide through a marketing company specialise in this area? Any Idea? There are prepaid "credit cards" available in the United States and other countries already that are "refillable". If you wish to sell these in your country, your company should consult a marketing firm or start their own campaign that shows the benefits of prepaid credit.

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What do you think of this video? http://www.snotr.com/video/408 I would've scored 100% and I'm American. :) Ask her to find Lithuania. *LOL* I think it's great that parents are teaching the kid geography. Most parents will teach animals, foods (fruits, veggies), common objects ("ball", "shovel"), etc. I wonder if this kid will end up home-schooled? It seems like she could easily have a head-start. (Actually, most...

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Do you make decent money off your website/blog? Not yet, but I haven't launched my product line yet.

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What is the best internet forum for online business and money-making? what is your favorite? and why? eBay and CraigsList, but there are a lot of scams going on nowadays, so I'd deal with cash or PayPal.

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Are there any good, legitimate ways of making money online in ones spare time? If so, what are they and how much can one realistically expect to earn? As you can see from your lack of response, there aren't floods of LEGITIMATE opportunities. You could sell items on eBay, but if you're just reselling, the margins can be rather small. There are a lot of scams online, like how the "envelope stuffing" work-at-home scams plagued newspapers. Most of the survey sites don't pay out, but there are some legitimate...

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Have credit card companies become the modern day loan sharks, with exhorbitant rates and preying on those least able to overcome the debt? No, I'd say that payday loans/check advance places, as well as CashCall and the like have taken that role. I've seen some credit cards charging 30% penalty APR, but check advance places are closer to 300%, depending on how often you need to use them. Pawn shops are more regulated than payday loan outfits, but most people distrust pawns. CashCall (which has Garry Coleman on its...

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I'm a Gemini women what sign am I most compatable Libra, Aquarius, Sagittarius, Scorpio. Capricorn has been a lot of head-butting, as well as Taurus. My best relationship was with a Libra. One of my worst was with a Virgo.

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How many cards to you have (member cards, discount cards, credit cards, bank cards, etc.,)? Can they all fit in your wallet? I have over 30 cards and they don't. I have 15 cards that I carry in my wallet. I have the space to carry many more, but choose not to do so. I have: * driver's license * UNC student ID * NC State student ID * library card * 3 grocery store rewards card * Ruth's Chris Steakhouse rewards card * Best Western rewards card * AAA card * auto insurance phone number card * online bank's ATM card * bank...

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Being dignose with epilspy(generalized convulsion) and is on medication can i still have a seizure with out the tipical signs There are different types of seizures. While medicated, you are less likely to have seizures, but they may still happen. You could still experience an absence seizure, which has different symptoms than grand mal or tonic clonic seizures. What generally triggers seizures in epileptics is overactivity in the corpus callosum, which separates the hemispheres of the brain. If the seizures are...

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Who's the hottest girl in g4 on the attack of the show and xplay(that has the total package both looks and brains...yes i said brains) is it oliva munn, morgan web, kristian holt, laylia kaylie, or blair butler? Morgan Web because she's been on since it was TechTV. I miss Cat Schwartz, Leo Laporte, Patrick Norton, Martin Sargent, and the rest of 'em. I started watching when it was ZDNet. I met Adam Sessler in 2002. How far it's fallen. :( (It's gone from geeks to gamers. Gaming does have a part in tech culture, but I was in AP Computer Science at the time. It was part of my...

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Britain's National Phobics Society has said it would launch a campaign to help the estimated 4 million people in the U.K. who are fearful of using public restrooms. Are you phobic about public restrooms? I'm not, but I can understand how some people would be. The public ladies rooms around here are disgusting. Urine is sterile, but if it's splattered on the floor and the toilet seat, I wouldn't feel comfortable about the bathroom's overall cleanliness. I've seen women leave stalls without flushing or washing their hands. I can also see why someone wouldn't want...

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Is their a phobia of butterflies and moths specificly? I'm terrified by them. I'm even known to jump when I see a flower or fish that looks like one. Mottephobia is fear of moths. Lepidopterophobia is fear of the butterfly family (which includes moths). You may like http://www.ihatebutterflies.com Fear of moths is actually fairly common. I jump at ANYTHING flying at me, even pretty butterflies. I'm not afraid of them in particular, but I'm just a jumpy person to start with. I like taking photos at night (mostly of...

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Do you eat Liverwurst? What do you like about it? With a name like that, I'd only eat it on a paid bet. :P

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If a married man communicates with another woman regularly (no sex) without his wife knowing, is that considered cheating? It depends on what's being communicated and what the parameters of the relationship are. Honesty and openness are important in a relationship and secret communications could rightfully cause jealousy and feelings of betrayal. Once you break trust, it's difficult to regain. If you're saying/typing something that you wouldn't say in front of your wife, you probably...

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Who is a Gemini male? Well, my twin brother is far different from me. We're fraternal twins born in June. (Yeah, that's awesome!) I fit the Gemini definition very well, but my brother (who's only minutes older, but we have the same natal chart) is almost a polar opposite. Go figure! http://novareinna.com/constellation/geminimale.html has an explanation of the Gemini male. ...

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Im a gemini female and i'm interested in a taurus male , any suggestions? my birthday is june 1st his is april 25th. Thanks I was engaged to a Taurus male... it ended horribly, but I've had a Taurus male friend that I had a much better relationship (well, friendship) with. My best relationship was with a Libra. Sun signs aren't everything. If you seriously rely on astrology, you may want to compare full charts (you'd need to know the time and place of his birth as well as your own) and look at...

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Have you ever got outside just to see the Sun or the Moon? Yep... I like to see the moon at least once each night, but I'm weird (lunatic?). I took this photo in the early hours of September 27, 2007, but it was only a 200mm lens on a DSLR. I hope to get a longer lens in the near future. I would love to see more detail. :)

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What animal are you on the Chinese zodiac? Ox... wood ox, to be precise.

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Do you have a credit card? Yep, but I use it responsibly. I am the master of my MasterCard, not the other way around.

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Can you get a credit card if you have no job or VERY low income? Yep, but you must have a high enough "household income". I think that the minimum of the last card I applied for was $10,000. How else could college students get plastic? :P The problem you may run into, though, is lack of credit history. If you've had your name on a mortgage, auto loan, etc, you should be fine, though. If nothing else, you could apply for a store credit...

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What is a good credit card to apply for if you've never had one before? I don't really have any credit and I just want one so I can establish credit. Something with a small limit that's easy to be approved for. Thank you! You could get a secured credit card, but there will be an annual fee and you'll have to pay some money upfront, but you will be approved. You could also try Capital One, but I'd call the 800 number and talk to a supervisor first and explain your situation. I'd also suggest you pay your bill off in full and on (or ahead of) time every month. They'll eventually increase...

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How can I make money from home? You can babysit, sell items on eBay/Craigslist, telecommute (if you're qualified enough to get an office job), etc.

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Has anyone ever got a job teaching in North Carolina going the non-traditional route? If so, what is the process? It probably depends on what you'd like to teach and what age range/grade. I've known of people who got a PhD and went on to teach highschool in Durham, but I've also known of electives teachers who had experience in what they were teaching. It also depends on what county you plan on teaching in. Check with schools in the areas to see what their requirements are. It may be...

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Has anybody worked for Vector Marketing, selling CutCo brand knives? I haven't, but I've known two people who have. It was a rip off/waste of time. I'd avoid them. Actually, anyone who sends unsolicited job offers through the mail, I don't trust.

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Are workers who put together kitchen cabinets counterfeiters? Only if they're custom. :) (I LOL'd!)

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I am considering getting a all nude sensual/erotic massage for my wife while I watch should I? If you're both comfortable, go right ahead.

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I am getting an all nude erotic massage for my wife should i let him penetrate her or just massage all over? It depends on how comfortable you are with it. If you're ok, then it's up to him and her. :)

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How do you prevent an emo dog from biting itself? Show it this! (Who could remain emo with a smile cat?!) :3

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Is this not the best artist ever? http://screwbald.com/ I think this person's more of a niche artist, but I don't know if it'd fit into lowbrow. Mark Ryden has done some amazing work and fits into the lowbrow category. Salvador Dali's "The Meditative Rose" is one of my favorite paintings. That's the second image.

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How is this pic i drew? http://serjtankianofcourse.deviantart.com/art/asdf-66092774 I like the eyes... The wolf overall has an anime feel to it. I drew this dog over a decade ago (I was 11). My scanner didn't like it a few years later, and I can't find the original. :( I stopped drawing when I entered highschool. Keep it up!

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A question for dog lovers: if a rabid opossum drinks from your dogs water bowl, will your dog contract rabies? any veterinarians out there? A rabid animal would be drinking from a water bowl? They tend to have trouble swallowing and will sometimes freak out if they see liquids. I think that's why they used to call rabies "hydrophobia". I would make sure that your dog was up-to-date on shots and might observe it for a while for odd behavior. Are you sure that the opossum was rabid?

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A dog at my WE (work exploration) is really annoying after i accidently dropped human food one day. Now every day he walks around with me thinking i got food usually very laidback before. How do i get the dog back to old behavior? i ignore him now. Keep ignoring him. Don't even pay attention to him. It'll become an "extinct" urge after a while. Some dogs have a one-track mind, though, and it may take a while. Just stick with it, or you'll have a new (unwanted) buddy.

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Do dogs sometimes seem like children how they are playful and almost always happy? Yep, especially labs and some terriers. Even basset hounds can look happy. :) My neighbors in Maryland had a giant mastiff puppy that was about a year old. That was a happy dog, but it was a bit too big to handle when I was that young (age 7). There are some more sullen dog breeds, but I get what you're saying. (I've been wanting a Bernese Mountain Dog for over a decade......

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I want to get a puppy, but someone I live with is extremely allergic. Does anybody know of any COMPLETELY hypoallergenic dog breeds? I don't know of completely hypoallergenic dog breeds, but my former neighbor's husband was asthmatic and they were able to have a bunny. Chinese Crested Dogs and certain types of chihuahuas are good for allergies. You could actually have most breeds of dogs as long as you REGULARLY bathe the dog and vacuum bedding, carpets, drapes, sheets, etc.

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Can you please leave OJ alone? http://www.youtube.com/watch?v=M1_NZtG_v5c I saw about 3 seconds and got scarred. The same handheld camera angles as the Blair Witch Project. *LOL* Is that you?

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Have you ever seen a fat dog? Yeah, I've also seen phat dawgs. :P I saw a chihuahua that could barely walk because it was so fat. Do dog owners know that a dogs will always eat like they're starving because dogs are pack animals and they had to eat quickly to be able to get their share?

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Ecnegludni Fles Sseldnim ot netsil uoy od? I like some MSI, but I haven't listened in years. I think that "Faggot" and "Molly" are my favorite songs by them. I think they make a good companion to the quirkier System of a Down songs (like "Sugar").

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Does anyone else get frustrated when you ask someone for advice and they just tell you to do what you want? How is this helpful? That can seem like a cop-out of an answer, but in some cases it is the best advice. Six of one, half-dozen of the other... and in some cases, you're the only one who knows what's really best for you. There are a lot of people out there who rely on other people's opinions and sometimes people will say "do what you want" to try to make it that person's decision.

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Got yiff? Nope, but I'd advise to who do to avoid 4chan's /b/. They aren't too furry-friendly.

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Can you teach commands to a dog in more than one language? Or would it just confuse him? You can... I've seen people teach dogs in both English and Spanish as well as English and German. Tone of voice is important, as well as being the one who's in control.

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Lol http://www.youtube.com/watch?v=O4O2uQIJP1w The fury of furries!

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If you add AngelFace567 as a friend and send her a rare item she will give you a superbed! she gave me a dragonbed!!! im serious it really works! try it and ill prove it!!! That sounds like a scam to get rare items.

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What do you call a shopping cart ? I'm from the southeastern US and call it a buggy I'm in NC, which is SE US, and we call it a shopping cart here. In England, it's a trolley.

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Have you ever used one of those on-line dating things, like eHarmony or Match.com? What happened? I've used emode.com (now tickle.com), HotOrNot.com, Match.com, and Yahoo Personals to help set up blind dates. I've always used the free memberships and relied on those with paid memberships to contact me. The results have been mixed, but I've made some friends through there (and I'll hang out in real-life, of course). I've also used OKCupid, but I haven't met...

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Male driver, age 21, stopped today for going 88 in a 55 mph zone. cried immediately. stated if i issued him a citation for speeding, he would lose his license, his car and his job. what do you believe happened? citation or no citation? In many states, he very well could lose his license. Write the puppy. It's not like going 60 or 65 in a 55, it's freakin' 88 MPH! That's faster than most people go on interstates and it only takes a split-second to look down or be distracted and in that time, you can go so many hundred feet... yeeeah, that's a crash just asking to happen.

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Are you saving for a rainy day? If so, what percentage of your income? I have an emergency fund, savings for spending (camera lenses are EXPENSIVE!), and I hope to be saving for retirement soon (when I have earned income... I've been living off of my savings recently). I'd like to max out a Roth IRA for a few years and not have to worry about it as much later. I'd probably continue maxing out a Roth after that. If my tax bracket raises, I'd...

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How difficult is it to recover your credit from a house foreclosure or vehicle repossesion? About 7 years until you satisfy the remainder of the loan, but a foreclosure can make it VERY difficult to get a loan in the future. Almost every credit/loan application asks if you've ever had a bankruptcy and some will ask if you've ever had a foreclosure. If you find yourself in these situations, you can try a shortsale for houses or you can privately sell the car for a smaller...

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After conforming with my loan agent and escrow that I don't have a pmi, I got my first statement with a pmi. The pmi was sneaked in my loan docs. What can I do? Put at least 20% down. You can roll the cost of PMI into your loan, but it's a nasty little thing.

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Is there a way to transfer your favorites from IE to your bookmarks in Firefox? Yes, when setting up FireFox, you can import bookmarks. If you didn't take that step... * Open FireFox * Select "Bookmarks" (file/edit/view/history/bookmarks/tools/help) * Select "Organize Bookmarks" * Wait for the Bookmarks Manager to open up in a new window * Select "File" in the Bookmarks Manager * Select "Import..." * Select...

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This question will be answered later than now? Brain... hurts! Too bad that "now" has a time stamp on the internet. :P

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Are personal loans or home equity loans better for consolidating bills? For consolidating bills, home equity lines of credit are generally lower APR and the interest is tax-deductible. The reason that the interest is lower is because this is a secured loan. You don't end up risking your house with an unsecured personal loan, but you'll pay more with it. What APR are your current debts at? You may be able to get a low interest rate for the life of the...

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Is $1,000,000 a lot of money for you? Yes, but it depends on the context. For the government, it's just a drop in the bucket.

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You have $10 to spend, what do you buy? Why spend? I'd put it in my bank account so I could make all of 30 cents or so in the year!

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Can hillary clinton carry the northeast "Anybody But Bush" could carry the NE.

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Would you have sex with hillary clinton If she could funnel those Whitewater or illegal contribution funds my way... ;) (At least I wouldn't risk STDs from her. Billy boy, on the other hand...) Seriously, though... I wouldn't touch a lawyer with a 10-foot pole, no matter my sexual orientation!

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Can nancy peplosi carry the south Are you nuts? Most southerners are conservative, she's the head of the evil, evil DEMONcrats! (I'm a social liberal, went to UNC, but I've lived in 2 southern states.)

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Do you know anyone who lost their virginity before they reached their teens? Other than those who were molested/raped, there were 2 sixth-grade girls (11/12) who were pregnant. I was sexually harassed at that school (at age 11) and was told that "it's just their culture." *rolls eyes*

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What is something you spend entirely too much money on? In the past: CDs and musical instruments (5-string banjo, 12 string guitar, 2 cellos, violin, 2 broken Bb clarinets -- I bought these sight-unseen... *grrr*). Now: probably my DSLR, lenses, and "accessories" (but to me it's worth it). :)

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Would you rather have a job that pays well but has long hours, or a job that pays mediocre but offers few hours? Why? It depends on how much I enjoy the job. I've worked my butt off for little return (barely breaking even) in the past, but it was my business and it made me happy. I'm going to try my hand at entrepreneurship again, but I'll try to be easier on myself (well, have higher profit margins) this time.

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What's the highest amount of change you've collected? My mother collected enough over a few years to go to Paris. It was her first (and only so far) trip outside of the US. I think it was close to $400. She was traveling with a group from work and got a great deal on the flight and hotel room. I've personally had around $100, but I ended up putting it into my bank account. I prefer for my pennies to make a few more cents of interest each...

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Do you use a digital or film camera? Why do you choose that one? I have a film camera, a DSLR, and 2 point-and-shoot digicams. I hope to get a film body to compliment my DSLR, but I'm more focused (no pun intended) on buying more lenses at this point. I prefer digital to film for most of my shots because you can easily change ISO/don't have to worry about 10 different rolls of film, store thousands of shots per card, have easy digital...

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What does your shirt say right now? "GO MEAT!" I won it in a "Shrek III" contest on AOL. I think it's funny, though, because my mother's a vegetarian. :)

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WHAT CAN I DO FOR MY LITTLE GIRL TO STOP USING DIAPERS FOR BED SHES 3 YEARS OLD Not all children develop at the same rate. It's more a question of physiology than psychology in many cases. You may want to line the mattress with garbage bags or purchase a mattress case so that urine doesn't sink into the mattress. I'm sure she's embarrassed about it, because most kids at that age are trying to be as grown-up as they can. If the bedwetting continues,...

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How much do you spend in medical and dental care for your family in one-year? Far too much! (Well, you can't put a price on health, right?) I'm young and in fairly good health, but I'm uninsured. I'd imagine that my family (without me) spends a few thousand dollars each year for prescriptions, yearly physicals, doctors visits, specialist visits, dental visits, vision ($600 glasses... ugh!)... I cringe at the thought of having to go through those...

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Where should I get my belly button pierced at in Kingston or Belleville Ontario? First, do you know if you have the proper anatomy for a belly button piercing? If you don't, the piercing will most likely reject and leave you with a nasty scar. As for where to get the piercing, Ask people you know where they got theirs pierced at. Make sure the place is clean, that they use one-time use needles, and autoclave any materials/tools. Make sure that you are given proper...

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When your have a shirt on can you see the belly bar sticking out and what happens if you take it out after a couple of years is there any way to get rid of the scar? and how long does it hurt for? * It depends on how tight the shirt is. * If you've had the piercing for a few years, there will be a scar. The longer it's been in, in general, the longer it will take to "disappear". * The piercing itself will feel like a pinch and shouldn't hurt much after a week or so UNLESS you handle the bar with dirty hands or otherwise irritate it while it's healing....

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Does celebrating your birthday become less fun if you think of it as "Proof-your-parents-had-sex Day" instead? I don't really celebrate my birthday to begin with. I seriously don't like thinking about that, though, because, DUDE, they're my PARENTS!

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If you had a million bucks, what's the first thing you'd do? I'd invest in in municipal ("triple tax-free") bonds... I'd use the money I have in the bank as downpayment on a house. :)

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Do you consider quarters loose change? I use my credit card for everything, but I keep any change I pick up or have after breaking a dollar so that I can make exact change in the rare occasion I pay cash (or to help others make exact change).

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Why is it difficult to get a personal check cashed at a bank where you don't have an account? Some want to make it such a hassle if you don't have an account there that you sign up for one. That's part of the reason they charge outsiders to cash checks, even those drawn by their account holders. You may want to set up accounts at banks you visit, as long as they don't require monthly maintenance fees.

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Ladies, would you carry my Luis Vuitton bag if we went shopping together? Sure, as long as it weren't overly cumbersome for me to do so. It'd be nice to go shopping with someone. :)

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Women, When you get jealous or think your husband/boyfriend is cheating, do you ever get so depressed you want to just end everything including your life? I try to talk about it with my partner. I've been blessed with faithful partners. (I lived with one 24/7, so I KNOW he wasn't cheating.) I stopped seeing a guy who seemed like he might cheat because of that and other character flaws. Don't let someone else ruin your life because they're doing things like that. If there's such a violation of trust, it's best in...

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What is the very best way to invest a thousand dollars? You can get over 5% on a fully FDIC insured online bank account if you want to play it safe and want access to it. If you're thinking long-term and you have $1,000 in earned income (that didn't have to be the source of this $1,000) so far this year, you can put the money into a Roth IRA. I'd suggest putting the money into the S&P 500 and leaving it long-term for your retirement.

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Are you saving money for something? What is it? I'm saving to start my own business. Aside from that, I'd like to buy a house.

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What does WS stand for when talking about sex? It'd help to see it in context, but it may mean "watersports" (golden showers, etc).

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Are Jay-Z's faux fur suits actually made from raccoon dogs? FAUX fur from a living being? If he uses actual fur, he'd have PeTA calling for protests of his music/products like they did with Beyonce.

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How would you describe this pic? http://s169.photobucket.com/albums/u201/faori_234/?action=view&current=Wolves.jpg "nom nom nom" I've taken the liberty of attaching the image to my answer. If I can find the pup picture, I'll upload it as well.

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I completely got rid of those Trojans, but guess what happened when i tried to open Limewire? i got another trojan =( Should i uninstall Limewire and run another Spyware Doctor scan? I'd suggest doing another spyware scan, but using AdAware and SpyBot as well. Do you use a bittorrent client? You can get LimeWirePro spyware-free through Demonoid.

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I got my first tattoo last week. Its on my foot, and now that the scabs have come off it looks all faded and blotchy. Is this normal? This is not normal. Your tattooist may have been heavy-handed. If this is the case, you may also have tissue damage/scarring. Did you pick the scabs or did they come off naturally? (Some will recommend keeping skin moisturized.) Had you been drinking or taking bloodthinners before the tattoo? These can all be factors for tattoos looking blotchy. Also, if a tattooist doesn't have good...

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Can I be arrested for defaulting on a "payday "loan? No, but the longer you go without paying, the more fees you'll have to pay if you later decide to pay off the debt. At worst, they'll take you to court and you'll have a judgment against you and you may have your wages garnished. Usually payday loans work by postdating checks. If you default, odds are that you'd be overdrawn at the bank. In that case, you'll probably...

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Can you be arrested for breach of contract on a loan? In the US, it's tort law, not criminal law. If you don't pay child support, you can be arrested, but that's not a contract/loan. The other party can take you to court and get a judgment against you, but they can't do more than garnish your wages. The days of debtors prisons are gone in the United States... unless you cheat on your taxes, which is a felony.

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Can you easily see the difference between what you need in life and what you want? I can, but ask most people to make a budget and prioritize... I've known people who thought that cable television came before gasoline to get to/from work. The only need that I don't really cover is health insurance. I hope to get that within the year, though.

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Do you believe that money buys happiness? or is money is the root of all evil? why? Money doesn't buy happiness, but lack of money certainly can make life less enjoyable. Mammon ("love of money"/greed) is the root of all evil, according to the Bible. Money isn't good or evil, it's what it's used for. It can be used to help (Habitat for Humanity) or harm (funding terrorism or street wars). Lottery winners usually end up more depressed than...

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Would you have sex with condolleezza rice I don't think she's "that kind of girl". For the right price, I suppose I could be, though. (I'm joking, by the way.)

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Some body please teach me some card tricks Have you tried YouTube? http://www.youtube.com/results.php?search_query=card+tricks Here are some easy tricks: http://www.cardtricksite.com//tricks/easyind.htm You will probably be able to find various books on card tricks and "magic" at the library.

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Anyone wanna by some yu-gi-oh cards??? I have some Magic as well!!! You might want to try eBay or CraigsList if you haven't tried selling your cards to people you play with.

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Hey do any one know a website like gametap but all the games are free or could you lend me your gametap id just a crazy thought There are free games to play online through Yahoo, MSN, etc. There are free samples on GameTap for limited periods of time. AdultSwim.com has a few games, too. I don't have a GameTap ID, sorry.

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Who could lend me £120,000? What is the money needed for? You could try asking for smaller loans from various sources, though it's extremely difficult to get that sort of money in the form of unsecured debt (loans) in a short period of time.

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Is there a way to get copies of my old w2 forms from diffrent employers? The easiest way would probably be to ask the companies themselves.

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If you were a cook on tv what would your name be and your sous chef what would their name be I'd use my own name, because I have faith in my ability. A catchy "stage name" isn't needed. (At least I don't have a "Spice Girls" name!)

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How do they make the round toothpicks? This answer was posed to a 7-year-old at http://www.sdreader.com/php/ma_show.php?id=39 but I don't know how accurate it is. They make toothpicks out of birch trees. They cut down a tree, take off the bark, and saw the tree into logs. If you stretch both your arms out real wide, that's about how long each log is. Then they use a big machine with a very sharp blade to peel the logs...

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What's the best place for late night Pizza @ Santa Clarita? You may have better luck posting in the local section. (Home » Categories » Places » North America » United States » States...) Other than that, citysearch.com may be able to help as well http://losangeles.citysearch.com/neighborhood/Santa_Clarita_CA/restaurants

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The UK has CAMRA (www.camra.org) do other countries have anything similar for beer drinkers? The website you mentioned does not work. http://www.camra.org.uk/ does, however. I don't think that most Americans care enough about beer to bother. There are some who are serious about their drink, but I suppose that they do their own research. Mothers Against Drunk Driving (MADD) have a say in the US and would likely protest against an organization such as this, as it promotes...

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Have you tried the Activia challenge? I haven't, but I've heard (from my AP Biology II teacher in highschool) that a yogurt containing sweet acidophilus milk would be helpful to take after a course of antibiotics to help replenish "good" bacteria in the digestive tract.

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One phone company charge me $55 instead of $5 and that made my checking go negative, I got charged an overdraft fee, when phone co. refunded my money back, the bank refunded the overdraft fee, will that affect my credit history& lower my FICO score? How? Debit cards/checking accounts aren't forms of credit, so this won't affect your FICO score. You may not even have a FICO score if you haven't had credit in the past, though you may have a credit report if someone (such as a bank or employer) has run a credit check on you. You can check your credit reports for free each year by going to www.annualcreditreport.com (the...

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Do your personal checks have a theme on them? If so what is the print? I think I have my bank's logo on them... I'm not sure. I generally pay for everything on my credit card, cash (at the few places that don't take plastic), or e-check (I've done this all of once in the last 3 years).

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What food could they use in Darfur other than rice, one that they don't need to heat up? Why is cooking not allowed? Do you mean "use" as in to grow on their own or to be shipped there? Fruits and veggies can generally be served at varying room-temperature. Some canned meats (needed unless given lysine supplements) can be served at room temperature as well. Beans can easily be dried and stored, as well as rice (but that's apparently a no-no).

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Are you eating too much chocolate? No, but I do enjoy it from time to time. I'm currently dieting, but I wasn't a chocoholic to begin with. (Oh, I enjoyed it, but I didn't have an addiction.)

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Do you find yourself answering more food type questions as you get hungrier? Nope, nor do I answer more "adult" questions when I'm feeling more NC-17. :P

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How long have Skittles been around? Skittles were first produced in 1938 by a company in England, although the modern M&M style candy coated version was a more recent development, from 1974. http://everything2.com/index.pl?node_id=329352 Skittles Bite Size sweets, originally made by a company in England, were first introduced in the United States in 1974. Around 1981-1982, the production of Skittles began in the United...

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Do you like pizza? It depends how it's cooked. I LOVE brickoven pizza. I also like feta cheese on some.

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Should you wait to get over someone to go out with someone else that asked you out If you're emotionally over it, don't worry. Just as long as the person who asked you out doesn't feel like a rebound, you should be fine. Some people who know the situation may disapprove, but follow you heart. If you aren't ready, don't even attempt. If you are (and like this person), go for it! :)

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Who here lives in welland ontario? Apparently not many people from AB! :P

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How did you first learn about masturbation? what age? I heard the term at some point and my parents explained it as having sex with yourself. I figured out technique on my own, starting when I "found out" about the tub faucet (around age 12), followed by manual stimulation. When I was a few years older (and net-savvy), I researched techniques, but didn't learn anything I hadn't already thought of or experimented with.

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What's the best strap-on dildo brand in the LGBT sex toys market? I'm heterosexual, but I thoroughly enjoyed the Betty’s Jelly Bumble Bee™ vibrating strap-on from California Exotic Novelties. There's clitoral vibration as well as vibration in the dildo. My partner didn't want to use it because it was too big for him, but I'd tried both ends on myself and found both to be worlds of fun. I think I paid about $40 for it. My...

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Is there such a thing as 'Christian Porn'? I've seen nun porn, does that count? ...or do you mean a lot of missionary position? ;)

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Who was the last person who took a picture of you? Myself. Other than that, my aunt, father, or mother (we were on a trip). I hope to get a wireless remote for my DSLR in the future (I'm saving up for lenses at this point) so I can take decent self-portraits. I think I'm always going to be harsh on myself, though.

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Where's the photography section? Home » Categories » Arts » Art » Mediums » Photography http://www.answerbag.com/c_view/4927 Home » Categories » Electronics » Cameras (this is more of the equipment side) http://www.answerbag.com/c_view/842

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Has anyone tried and been successful using hoodia capsules I haven't, but most of the hoodia pills that are being sold are not the variety (hoodia gordonii) that has been researched. Pfizer isolated the component and has since released the rights to the primary ingredient. Hoodia gordonii is a "protected plant" (only a few people have access to it). There are nasty side effects and it's far from FDA approval. I'd avoid it.

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Its been about two days since I pierced my tongue; I have minor pain and little swelling. I eat soft foods, but is it safe to eat normal food if I eat slowly and carefully? If not, when Is it safe to do so? People recommend eating a liquid diet for a week. If you're careful about it and rinse thoroughly afterwards, I wouldn't see anything wrong with it. Just be careful and avoid spicy, acidic, or physically hot food.

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Is $30 a good price for getting your tongue pierced? Cause where I live there`s this place called Sin City and I`m gunna get my tongue pierced there...I`ve never seen what it looks like inside, but that`s where my sister got hers done and hers heeled up What's more important is the quality of the jewelry, the cleanliness of the shop, and the training of the piercist. There are a lot of "Sin City" piercing/tattoo shops, so I can't tell you much of anything. Don't commit to having it done unless you're 100% comfortable with it. I've pierced before and there are a few factors that can complicate tongue...

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What's the name of the song in the new iPod commercial? It goes something like, "...one, two, three, four..." There are multiple iPods in all different colors. "1 2 3 4" by Feist.

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Does anyone like the song"These small hours"?. "Little Wonder" by Rob Thomas? I would probably change the radio station and settle on that if there were nothing better. It reminds me of "Chasing Cars" by Snow Patrol.

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It seems all my favorite TV shows got cancelled last season (all at once!) Do I have bad taste in TV or has this happened to you, too? There's no such thing as "bad taste in tv" in our culture. What shows were canceled? (I'm still surprised that "Freaks & Geeks" and "That's My Bush" were both canceled after just one season.)

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Did someone actually place the yogurt in "that" area to relieve the painful itching before? should it be applied like a cream or how should it be applied? (vaginal itching) I've heard about this home remedy for vaginal yeast infections. I haven't tried it myself, but I'd imagine that you'd apply it much in the same way as the vaginal creams. Just make sure that it doesn't contain added sugar and/or fruit!

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I just got what looks like a credit card by some place called First National Card, is this a real place and a real card? It looks questionable. Was it a $6,500 credit limit? If so, it's probably a scam. http://www.consumeraffairs.com/scam_alerts/consumer_cr.html If you didn't apply for the card, don't bother activating it. You may want to double check your credit report, though. www.annualcreditreport.com is the government's site for a free yearly credit report.

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What does the location of a piercing say about you? What about if you make it's location publicly known or keep it private? The location of your piercing says "you have a piece of metal (or whatever material) through your flesh there!" Facial piercings aren't easily hidden. (Retainers are still visible.) If you make known that you have, say, a navel piercing, someone may think you're seeking attention. Nipple, tongue, and genital piercings are thought of as sexual piercings and are still a bit...

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Give me a site to download songs of John Mayer for free You can download music videos via YouTube through the site here: http://www.techcrunch.com/get-youtube-movie/ If you want legal downloads, they aren't free. If you want free downloads, they aren't legal. If you want to illegally download music, you can use a bit torrent client and visit one of the many torrent sites. You could also search "John Mayer MP3" in Google.

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What is your number? Your Numerology? DOB: 1 Name: 3

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If Hate.com was on sale, would you buy it? It depends on how much it was selling for. It'd be easy to sell bumperstickers/t-shirts from there. "I hate homework." "I hate driving." "I hate bumperstickers." and other humorous derivations. Other than that, it could be used as a venting site, but that just seems like something I wouldn't want to touch with a 10-foot pole.

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I guess oral sex is like talking, but what do u actually say when having oral sex? I think you're mistaking this with aural sex.

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What is the ratio of adults who use pornography vs those who don't? Of those who do, what is the ratio of those who admit it? Those who do and admit: pretty much all of the unmarried male population who aren't "church mice" and some women. Those who do and don't admit: most of the church mice, married men, and most women. Frontline (on PBS) did a special on porn and had surveys: http://www.pbs.org/wgbh/pages/frontline/shows/porn/etc/surveyres.html I was one of the 10,453 respondents. :)

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How much change do you have right now? On my person, none. In my purse (in a coinpurse) somewhere between $5 and $10, probably. I try to make every purchase with my credit card, though, but when I pay cash, I always have exact change.

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How much change do you have right now? I rarely wear pants, but I tend to have a few dollars' worth in a changepurse in my purse. I use my credit card every chance I can when I purchase, so most of the change I have is from bills I break (I think that the dollar store is the only place that doesn't take credit) or if I pick up a coin or two in public. I like change so much that I'll bend to pick up a penny. (It...

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Whats your favorite Placebo song? "Slackerbitch" or "My Sweet Prince" I also like "Nancy Boy" (it's catchy), "Bigmouth Strikes Again" (I like the original, too), "Pure Morning", "Burger Queen (francais)", "Song to Say Goodbye", "Every You Every Me", "I'll be Yours", "Taste in Men", and "The Bitter End"

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Hooray , I just changed my avatar !! Who's found a new lease of life like me? I've changed mine, but changed back. I'm going to try uploading a new one now. :)

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Do people like my avatar, I created it myself? Triabal Rorschach? I like it, but do you have a larger version? (Is that a dragon in the upper right corner or am I seeing things?)

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Would proselytizing Satanists get beaten up in the United States if they went door to door like the Mormons? If they did, they could claim hate crime status due to religious motivation. Luckily most Satanists don't try to convert people. In LaVeyian Satanism, it isn't Satan worship, but moreso a philosophy. I used to head an occult outreach when I was in highschool and I had a few friends (and an ex-boyfriend) who were, at one point, LaVeyian. I also had atheist (and agnostic) friends. I...

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Isn't it amazing that some people who think they are being funny don't realize they are being cruel in their comments and answers? Sometimes it's that tone cannot easily be conveyed in writing, sometimes it's that some people lack tact, and at other times it's that people are overly defensive and read hostility into what's not even there.

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In your opinon does my name seem funny,and for the fun of it,This name is sort of a spoof, guess what movie inspired it? I don't think it's funny, but I don't think it's "not funny" either. My guess is that the movie was "Pink Cadillac" with Clint Eastwood. For those of you who aren't familiar with this movie, there's a scene where Clint Eastwood is asking about the alias someone used to check into a hotel with. "Mr. Dickhead" was the name and the...

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Does anyone here besides me seem to go into a point-acquisition limbo right when the "filling" in their meter turns that ugly shade of brown? That happens to me from time to time. It can be frustrating to answer question after question and see no feedback, but it's all good. It's only a mild addiction after all. :)

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Why is it that men usually do all of the cooking on a barbecue? Because they're typically working with MEAT and it's over FIRE, a primal element. The caveman within comes out. :) I like grilling over charcoal, but it's a lot more prep work than gas. I think it's worth it, though, because I find that it tastes better (and that's what matters!). Grilling isn't usually very detail-oriented, so even less-tedious men can do...

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Discover Card offers 150 designs for their credit card. They have an entire category of "dog" images and not one single "cat"... I am sorry a tiger does not count. What is up with that? That's crazy! I guess that they're going to lose marketshare to Visa's "One of a Card" that lets you put a photo of your own kitty on your card. :P

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I have a credit card with a 30%apr. I tried to get a loan and a lower apr credit card, nothing worked. My balance is too high. what should i do? Your FICO score is hurting because you're utilization (which accounts for 30% of the score) is high. Have you tried calling your credit card company to reduce your APR? (They may not be as willing to work with you because you're in a penalty APR, but it's worth a shot! If someone says they can't help you, ask to speak with a higher-up until you talk to someone who CAN help.)...

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How many people that saw the documentary, Sicko, have health insurance? I'm uninsured but have seen Sicko (though through the internet). I thought it was funny that Moore kept on saying that it was FREE. He mentioned a few times that the taxes were high in those countries. I think I'd rather set up a HSA when my business gets off the ground.

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Does anyone know a good financial planner I'm my own financial planner and I try to help friends and family if/when I can. You may want to ask your friends, family, coworkers, etc. for professional recommendations in your local area. There are plenty of financial books out there on specific topics as well as broad overviews. Suze Orman can be a good starting place, but I'm not the biggest fan of her style.

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I am going to Vegas in November. I am only 19 though and I need a fake id. I have found many sites but do not trust them. Do you know of a good one from personal experience? You only need an ID if you're going to drink or enter the gaming floor. If you hit it big, they'll need your social security number. If they find that you're underage, you must forfeit your winnings. I've dealt with casinos in two states and they know a fake ID when they see one, even if it looks legit/realistic.

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What are the names of some funny webcomics? i already love natalie dee, married to the sea, toothpastefordinner, and cyanide and happiness. * xkcd * Sinfest * Penny Arcade * VG (video game) Cats * Nemi * Piled Higher & Deeper You'll probably find xkcd to be closest to Toothpaste For Dinner...

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Fayelykken5531 just offered to share videos on YouTube. Going to her profile, I noticed that she (I think) hasn't watched any videos and hasn't had any other activity except for looking at profiles. Is there any foundation for my suspicion? Some just log in to upload videos. Why bother being suspicious?

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Does anyone else here read the webcomic, Cyanide & Happiness? I don't follow it, but I see it enough to enjoy some of the comics. I'm more of a Sinfest, Penny Arcade, Mac Hall sort of a gal. (Actually, I don't follow any comics nowadays.) Nemi is great, too. :)

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Have you ever gotten the feeling like someone may be trying to avoid you? If so, did it turn out to be right? How did you deal with it? I can't verify it, but it seems like a friend of mine who owes me money (about $1,000) has been avoiding me. I know that he's busy and he's recently engaged, but I'd really like to hang out with him (and her, too) before I go halfway across the country! He makes time for other people and I guess that I'm annoyed that he doesn't seem to have much time for me.

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Have you ever thought that we are someones barbie doll. Like toy story? I know you all are starting to think i am crazy. lol Well, this IS posted in "crazy thoughts"! *LOL* Nah, but I think that politicians are puppets. :P

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What do you need to do to be able to get a "platinum" credit card? It depends more on the issuer than the class of card. I managed to get a Platinum MasterCard from my federal savings bank (kind of like a credit union) without a credit history. I had a responsible financial history with the bank and was a student at the time, so my first card had a 12.15% APR. My partner, who had no credit history or relationship with the bank itself (but qualified for...

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Why people use credit cards? I use my credit card for convenience, cash-back rewards, a "float" on my money of at least a month and up to two months (I can charge at the start of my cycle, it's 30 days until my cycle ends, then I have a grace period of 25 days.), safety against theft (I have zero liability, though the federal law in the US maxes out liability at $50 for personal cards), extended warranty...

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Whats your favorite childhood song "Shiny Happy People" by REM!

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What is your favourite children's song of all time? That's a tough one to answer! "Somewhere Over the Rainbow" by Judy Garland (from "The Wizard of Oz") because it was my grandmother's favorite song. I tried singing it to her the best I could when she was dying at a hospice. Whenever I hear it now, I feel like crying, but I was glad that I could do that for her (hearing is the last sense to go). On happier notes,...

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What songs are you absolutely sick of hearing? I still can't stand: "My Heart Will Go On" by Celine Dion "Torn" by Natalie Imbruglia "All-Star" by Smashmouth "With Arms Wide Open" by Creed "Walking On Sunshine" by Katrina and the Waves most BTO (Bachman-Turner Overdrive) most BNL (Barenaked Ladies)... it's ok until you hear the song once every 15 minutes on the radio!

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Which are you most sick of hearing about; Mcfly, Holloaks or Myspace? Myspace. Hollyoaks isn't discussed much on the television I watch and I'm not sure what you mean by "McFly" unless you mean Marty from "Back To The Future". I'm in the US and don't watch many entertainment programs, though I do seem to remember Hollyoaks ads on BBC America. (I'm addicted to "How Clean is Your House?")

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Can you urinate and take a dump simultaneously? I haven't paid attention, but THAT sounds like something to put on a resume! I'd imagine that some urine could pass when straining to defecate. To do both simultaneously for more than a split-second, I have my doubts about. The internet: Pushing your brain to the limits!

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Have you ever had to go the bathroom realy bad but you didn't go until you couldnt hold it any more simply because you didnt want to go that second? Yes, but I hear that's unhealthy. I've tried to "hold it" as long as possible during college lectures, movies at theatres, or when traveling with others so that I can reduce "pit stops" and get to my destination quicker. If I wait long enough, someone will probably "need to go" and you can get two birds with one stone.

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Can you describe the different shapes of breasts and which is your favorite? Breasts tend to be domed, round, mountain-like, or somewhere in between. My favorite breast is turkey. :)

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Have you ever busted out crying in public for no obvious reason? Obvious to myself or obvious to others? I've come close a few times after a messy breakup where a location would spark a memory and that memory, come to mind, would spark emotional pain. We split 3 months, to the day, before the wedding was supposed to take place. At least it was going to be a smaller ceremony with very few guests (and we hadn't decided on a venue at that time)! ...

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If Americans had to pay 2000$ for a drivers licence like they have to in most of europe, would you take heed and drive safer knowing that if you run a red light or speed to fast, your licence is revoked (not suspended) for 6 months? I think that if only people with that kind of money could drive, we'd have far fewer teenager behind the wheel in America. I don't think I'd even bother driving with fees that high. (...I thought my auto insurance was expensive!) I think that mandatory license revocation would do enough to make drivers pay attention. The problem with America is that the middle class live in...

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If a man becomes a woman through an operation, can someone explain what happens to the male sex organ? The testicles are removed, the glans is shaped into a clitoris, and the scrotum and "shaft" are used to make the vagina. There are websites that explain this in detail if you're so inclined.

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Do you buy relationship advice e-books? Was the advice worth the cost? I don't. I've seen many of these sorts of books for download on torrent websites. There are plenty of legal free advice online as well as books at most libraries. I'd much rather be able to thumb through a book than pay for an ebook sight unseen.

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Would you ride your bike to college every day or take your car and pay about $65-70 on gas a month and $20 for a parking permit if it takes you 15-20 minutes to drive there through streets? Most universities around here have a busing service that runs from dorms, apartments, and other student housing to campus. When I was at UNC, I'd take the Chapel Hill city bus and walk about a mile uphill to get home. It was nuts in the summer with the heat over 95 degrees F.

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Do you use up all your cellphone minutes every month? I have Cingular/AT&T and have the benefit of rollover minutes that I never get around to using.

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Do you consider yourself conservative, liberal or in between? I'm both conservative and liberal, but I wouldn't call myself a moderate. I'm strongly economically conservative and strongly socially liberal. I WAS a Libertarian before my state stopped officially recognizing the party. I'm now unaffiliated/independent. (As if that's a major change for me! *LOL*)

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Are you conservative or liberal? I'm an extreme economic conservative and extreme social liberal, which some people mistakenly call "moderate". HAH! I was officially Libertarian until the NC party stopped being recognized. I'm now independent/unaffiliated.

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Were you a breech birth (born feet first)? My twin and I were both delivered via c-section after my mother was in labor for who knows how many hours.

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How do I copy contacts FROM a SIM card to the phone on Motorola V180? I believe (sorry, I don't have a working V180 in front of me) that you get into the address book section, then hit the menu button and then select "copy all entries to phone". This may not be the exact wording, but you should hopefully see this or a comparable option.

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How do you save your phone numbers on a motorola razar to the phone and not the SIM card On the RAZR, there's a preference setting in the address book to save numbers to phone or SIM. If you wish, you could also copy all of your contacts from your phone to your SIM or vice versa. I *believe* (I don't have a phone in front of me) that if you get into the address book, you can press the horizontal dash "menu" button (between the left and right...

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What one feature on your cell phone could you not live without? "Address book" followed a close second by "caller ID". I greatly miss my personalized ringtones (so that when my mother calls, it's one ringtone, my friend calls, it's another... that way I can tell who's calling based on the ring) as well. I also miss my cameraphone, even though I have a DSLR. *LOL*

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How to download from my computer to my motorola sliver phone? You'll either need a Bluetooth dongle (hardware) or a USB cable and Mobile Phone Tools (software). There are detailed instructions on HowardForums.com

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Would you pay 50 Million dollars for the world's second unlocked iPhone? Nope, because (1) that's an insane price to pay! and (2) I'm already an AT&T/Cingular customer.

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Are all Nokias compatible w/the same headset/handsfree devices or do some have different ports/connectors? Some have different connectors. I'd imagine that Bluetooth headsets would work on all Bluetooth phones, though.

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Will a prepaid phone work with an existing SIM card? When my phone stopped working, I bought a prepaid Motorola from Cingular ("Go Phone") for around $20. I can say from experience that this works for Cingular. I'd imagine it'd be the same for T-Mobile.

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Do you own a cell phone for emergency use only? I have a cell, but I use it instead of a land line because I travel often enough. I have roll-over minutes, so I'm not very concerned about minutes on my end.

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It seems like sex is just meaningless and expected too soon in the dating world today. Does anyone make love anymore? I think that making love refers to a specific, emotional type of sex.

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Are you a slave to fashion? What is the most uncomfortable thing you have worn to look good? I'm not a slave to fashion. I wore pantyhose when I was 12 with a dress to an awards ceremony. Fishnets feel perfectly fine on me, but these were like sandpaper around my thighs!

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Ladies: do you enjoy showing your cleavage or cover up when you are in public? Nope. In fact, I tend to wear ankle-length skirts (or long pants) and a t-shirt most of the time. I'm weird, I know!

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Have you ever gotten an illness from your pet? Not to my knowledge. I wash my hands before eating, though, so that's been helpful. I can handle a little bacteria, but I don't want to be doomed if my immune system is on the fritz for what ever reason!

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Why do so many people seem against Socialized Health Care? Because they see the way that HMOs, ERs, and the DMV are handled and are (logically) afraid that health needs will be denied or there will be such a long wait that their problem may have run its course by the time they can get an appointment. In the ER, you have people with broken bones sitting next to hypervigilant (but well-meaning) parents whose kids only have the sniffles. I am...

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Do you enjoy watching gory movies and tv shows or do you cover your eyes? I probably regret not covering my eyes for a few nights, but I LOVE gory movies, but especially B-movies. "Jackhammer Massacre" was awesome, as well as "Dead Alive" "Evil Dead" and "Army of Darkness". I LOVE most Quentin Tarantino films. Zombie, Vampire, and weird kungfu flicks... Wow, I'm getting giddy! I've also seen "Faces of...

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I've ordered a Sandisk Sansa off the net, I'm extremely excited and I can't wait. Any coping strategies? Listen to the music you'll soon be putting onto your MP3 player? Use answerbag to get your mind off of the impending joy?

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Are you left handed or right handed, when you write? I do not believe the ten percent figure is accurate, do you? Somewhat ambidextrous, but mostly righty. (I'm a Libertarian who's into shemales. I doubt I'd qualify as a conservative!)

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How did the Book of Enoch not make it into Biblical canon? Ancient politics. "This book was somewhat similar to Revelation, but was considered too severe and strange to be included in the Bible." or so claims Wikipeida. I think it's interesting that first and second Maccabees were left out. Hanukkah must be some sort of conspiracy, huh? Seriously, though, there was a special on the History Channel called "Banned From the...

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Do you care about what people do,say & watch u? Or care what God will do, say & watch u? I care about what I think first, followed by people's opinions. I think that what's best to do can be found between the two if society and its members have a conscience and sense of justice. What's right for me isn't always what's right for the next person. There are a few universal rules (don't kill or steal, be respectful of others unless you have reason not to,...

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Who went to See You at the Pole? What was it like? Where are you from? I haven't gone in years, but I did when I was in highschool. It was interesting to see people who weren't in the Christian clique openly praying for the good of our school, our country, and our world. I was more likely to spend time with the "sinners" (goths, punks, etc) than the "saved" during highschool. The church clique was on a mission to convert people and...

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What is the funniest or most unusual item you have ever seen on a menu? Alligator (and I *think* rattlesnake, but I don't have a menu from back then to confirm) pizza at a place called PieWorks in Durham, NC. They're only operating in Shreveport, LA and Greensboro, NC nowadays, though.

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What kind of camera do you have? Brand, model, megapixel count, zoom and SLR or not. (i.e. Nikon E8800, 8.0, 10x - 1.2" macro) I have multiple cameras, but my primary one: * brand: Pentax * model: K10D * 10 MP * zoom depends on the lens * DSLR * accessories: vertical battery grip, 18-55 lens, 50-200 lens * price: I managed to get everything but the grip for $1,000 + S&H. I *should* be getting a mail-in rebate for $175, which would make everything (including the grip) under $1,000 including S&H. I plan...

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Have you ever photographed or videotaped a crime or accident in progress? I would be too afraid to capture a crime on film. (I live in Durham.) I haven't had a camera around when an accident happened, but I haven't witnessed many accidents to start with.

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We have a new category called" She-males", What is your idea of a She-Male? When I hear "shemale" I think of porn. "Chicks with dicks" is another phrase tossed around quite frequently. I've resorted to using the word "shemale" to describe a few friends of mine because I didn't have the time to explain what "transgendered" meant. "Tranny" also seems to have a negative (often exploitative) connotation. I use...

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Just curious. To all bi-sexuals : If I am attracted to and turned on by females (their feminity, soft figure 8 shapes, sound of their voice, etc etc) and I assume you are too, how is it that you are ALSO attracted by masculinity, which has none of these? I'm not bisexual, but what about men who like strong women? Does that mean that they're automatically bisexual? I like MTF/"shemales"/t-girls and yet consider myself to be heterosexual. I'm attracted to the male sex, but a feminine gender. In the same way of your question, though, if I'm attracted to someone of African descent ("black") as well as...

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Do you think it's possible to fall in love with someone of the same sex and want them to be your lover but not be bi or gay; you just want that one person? It's called being "pansexual." I tend to fall for a feminine gender, but a male sex. This would include "shemales" and MTF (even post-op). My body isn't physically attracted to genetic females. I thought that I might be a bisexual in denial, but I'm not.

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If a guy watch a porn with a male doin a female he is straight unless other wise. If a guy watch a porn with a female doin a female he is straight unless other wise. What about if he watch a porn with a shemale doin a female,is he still presumed straight? Shemales in porn can be a tricky category. If you notice the breasts before you notice the penis, you can call yourself straight. You don't need to justify your sexual orientation. If you want to watch shemale porn, go right ahead. If you need excuses, I just gave one. I myself am attracted to shemales (though I prefer to call them transgendered or t-girls or another term as shemale is...

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Whats one thing would you like to change about yourself? physically and mentally? I'd like to learn more... about myself, about the world, about how things work and why. Aside from that, I'd like to modify my body (lose weight, style my hair, tattoo/pierce my skin, tone my muscles...) I'd also like to explore spirituality/religion deeper, but there are so many distractions in my daily life that it's difficult to focus.

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But why? Because!

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But why? Why not?

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Im taking a poll, what is your opinion on gay people, shemales, and if you think they should be allowed to get married? I know a "shemale" who's getting married to a MTF because she was able to change her birth certificate to reflect her sex change. I'd darn well better be invited to the wedding!

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What is your opinion on people who have sex changes? Do you think they should or should they try and be happy with the body they were born with? People who truly can be happy in the body God gave 'em aren't in need of sexual reassignment. I've known MTF (men who've had the surgery to "become" women, though they always were at heart/in mind) and others who have become "shemales". It's a challenge any way you look at it. Genetic women are able to take on masculine roles without most people...

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Is medicine the answer to all of our problems these days? It seems to be! There's more money to be made in masking symptoms than in curing the condition at their source. In depression, some doctors are using antidepressants as a band-aid instead of getting at reasons behind the depression. (Sometimes there is no outside trigger for the depression, of course.)

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Who turns you on? Sexy guys! :)

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How do I begin my own fashion company? 0. Write a business plan. 1. Come up with designs. 2. Get a commercial license and tax ID number. 3. Produce some samples. 4. Submit the designs to US Patent & Trademark Office to protect your intellectual property (the design). 5. Work your butt off showing samples to get distributed. 6. Produce orders in specified sizes. 7. Create a buzz and otherwise market your goods. 8. Profit!

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Regarding your spiritual practice, were you... a) Born into it b) Took on a partner/spouse's faith c) Researched and embraced it yourself d) Other? (D) I was raised Catholic, but didn't go through with Confirmation because I was unsure. I looked at different religions, went to a nondenominational Protestant church for a while but left when they kept attacking Catholics as Mary worshipers (I know for a fact that this isn't true) and child molesters (Southern Baptists have been convicted in my area for this same reason, but they...

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How do people get rich? Most Americans are first-generation rich and get there through hard work, investment, owning instead of renting, and, in many cases, entrepreneurship.

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If you had to choose between being in perfect physical shape and poor for the rest of your life or fat and worth over 1,000,000,000 dollars which would you choose? How fat are we talking and what exactly does "worth" mean? If there were a true dollar amount around that figure, I'd take enough to get a nice house/land, invest some in such a way that I could live a comfortable lifestyle and still have some wiggle room in case the economy had some, and I'd want to use the rest to help others. I'd also like to focus on spirituality,...

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I heard that salvia is completely legal in the US and if I do salvia can I pass the drug test? The legality depends on the state. Louisiana, Tennessee, and a few other states ban it. Salvia divinorum does not contain THC, so it wouldn't show up on a drug test for marijuana. Salvia can be tested for, but it isn't common at this point and is still legal in many states.

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I was fingering my girlfriend when I had sperm on my finger. She got her period the next day but is it still possible for her to get pregnant? It's unlikely, especially of she's older and has had regular periods for a long while, but if you had seminal fluid on your fingers, there's still a risk. WHAT ON EARTH WERE YOU THINKING? You're not only putting her at risk for pregnancy, you're putting her at risk for STDs.

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What is Salvia? Have you ever tried it? What does it do? Salvia divinorum ("sage of the seers") is commonly just referred to as "salvia" and is an entheogenic (sacred) plant in the sage family that has hallucinogenic properties. http://en.wikipedia.org/wiki/Salvia_divinorum gives a fairly wordy educational overview. This plant is illegal in some states and countries. http://en.wikipedia.org/wiki/Legal_status_of_Salvia_divinorum...

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WHAT INGREDIENTS WOULD YOU USE FOR A HOME REMEDY FEMALE DOUCHE I wouldn't recommend that women douche at all as douching can change the vaginal pH and open the door for infections (including bacterial vaginosis) and yeast infections. http://www.4women.gov/FAQ/douching.htm

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Have you ever heard the saying (because y isnt z and z isnt y) ? people say it when someone keeps asking why why why I've heard the phrase before, but people don't always use it properly. I've heard someone use Y as a generality and Z as a specific when asked what the difference was. I don't remember what the exact question was, but I remember smirking when I heard that response.

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To back up the truck is to be extremely bullish on a particular stock. What is the origin of "back up the truck?" Jim Cramer? *LOL* The term refers to the imagery derived from a truck backing up to a warehouse or some other commercial building to load up goods.

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How did some words become taboo? Attitudes changed. Political correctness has, for example, made the "f-word" (and it doesn't directly relate to fornication *LOL*) an offense for which rehab is the only remedy.

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Do people smoke White Sage? I haven't personally known of anyone to smoke this, but I've heard of Sage of the Seers (salvia divinorum) usage and may very well try it in the future. From what I've read, salvia apiana is most often used as a smudge stick.

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How can I tell my father I use certain substances for spiritual (not recreational) purposes? Any tips will help. If it's any use to you I use the entheogens: Ganja, salvia divinorum, and I plan to try musceria. I don't know of an easy way to explain. I would like to start using those you've described as well as others for my own path, but I'm waiting until I'm on my own (without distractions) to start. I'd also like to do so as legally as possible. I tried to explain to my friends and family the reasons behind my body modification (piercings, mostly... they hadn't seen...

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Is salvia harmful to your health, because i heard its completely harmless to use but i need to know for sure? It hasn't been thoroughly studied. I'm sure that a small amount wouldn't have much lasting harm, but the effects would probably be compounded if you were a habitual user.

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If you had to smoke pot or salvia divinorum which would you smoke I'd like to try both eventually, though in perfectly legal settings. I may try marijuana if/when I can get overseas. I'd like to try salvia divinorum as well, but would prefer to do so domestically. I'd need to rid myself of distractions first, though, which would most likely mean living on my own. I view this as more spiritual than recreational, though. (I had pierced my body in...

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Have you or would you ever try Salvia Divinorum? I'm considering trying it (it's legal in my state), but I'd want it to be more of a spiritual experience than recreational. I'd also like to be truly on my own before seeking. (I have trouble with distractions when living with others, even when trying to do something as simple as meditation.)

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Do you think that Salvia will stay legal in the USA, even though it has LSD-like properties? I don't think so if the media keeps warning of the "dangers" of the drug. I'd support age restrictions, much like is currently done with tobacco and alcohol, but there are plenty of people who would make THOSE illegal! A teen committed suicide his senior year of high school, his parents are blaming it on the drug, and now they're on a crusade to make salvia divinorum...

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Is there a drug to stop you from getting pregnant after the sperm is let inside(get your period faster) There's the "morning-after pill" as well as abortion pills.

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Passive aggressive man is giving me the silent treatment. He has done in this past and will talk after a little while. But this time he told me he was done with me and giving me the silent treatment. How do I know if he is just playing a game or is done? If he comes back to you later, he isn't really through with you. It sounds like you two need to either break up or to work on the relationship. I was in a relationship where we'd get at each other's throat but we always seemed to get back together. It isn't healthy and can sometimes border on codependency in couples.

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How long does it take before you start having pregnant cramps? It varies from woman to woman. Some don't get them during the first parts of pregnancy. From my understanding, you'd be more likely to experience tenderness of the breasts as an early sign of pregnancy. If you're concerned, you may want to take a pregnancy test.

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Who do you curse the most when pumping gas: the oil companies or the government? I don't pump gas since I sold my car, but state governments are to blame for gas taxes. North Carolina's are some of the highest in the nation. http://www.northcarolinagasprices.com/tax_info.aspx has the gas tax for all 50 states through GasBuddy.

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Where do you think you've spent the most money in your life at? I'd have to say the CD store for me. COLLEGE!!! Tuition is a scary thing! My greatest single purchase was a little over $1,000 for a DSLR and some accessories, but I saved up for nearly 2 years. Fast food/groceries add up... and, yes, a used CD store. I bought 4 musical instruments and many Asian imports via eBay... I hate to think about the money I spent there.

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I m 25 years old girl having pimples and scars on my face and neck.i m using sandalwood and multani mitti since 2years but nothing happened good.pls suggest some effective home remedies. I've heard that both vitamin e and teatree oil are good for massaging scar tissue. As for pimples, you may want to look into a mild soap for washing your face. Your sebaceous glands are to blame, but they do help protect your skin when they aren't working overtime.

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Is the latin phrase correct: amor est vitae essentia. this is translated to "love is the essence of life" That's how I'd translate it. It's been 7 years since I took Latin, though.

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What would you say was the best thing about high school? Being the only female in my entire school to take AP Computer Science in 2001-2002 and having around 30 guys in the course. Other than that, I made some interesting friends and had some great academic accomplishments. I also got a taste for the level of BS (and arbitrary graduation requirements) I'd have to deal with in college.

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How many people here have read the epic poem Beowulf? and if you did read it did you like it? why or why not? I read it in my English IV course (Brit Lit) and I enjoyed it. I believe it was a modern translation. I knew the story already from a Standard Deviants episode, but I still enjoyed it, even though I generally hate fiction/novels.

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Is there an age maximum to becoming a Hollywood agent? I wouldn't think so. It's a tough industry to get into, however.

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Do you read for your classes in school/college? Or do you find that staying completely on top of the reading is unnecessary? I did for some classes, but not for others. I had a decent background in both business and economics by studying on my own ahead of time, so I never had to actually crack the textbooks other than to do homework. Reading becomes more necessary in higher-level courses, of course.

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What was the name of the sister of Alexander the Great? Cleopatra (not the famous Egyptian).

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What is the origin of the saying "gets my goat"? I've heard these: Got your goat originated because people with racing horses used to keep a goat corralled with their horses to keep the horses calm. The horses would get upset and agitated if someone took the goat away so therefore if someone gets your goat you are left agitated. Or it may have come from "goat" as old prison slang for anger, as the Word Detective says. The...

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What do you think about this saying? "If you want to stand out, don't be diffrent, be outstanding." I find it to be inspiring. :)

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What is your favorite Voltaire quote? "never trust a man who puts his words in the mouth of god and says it's absolute truth" from "God Thinks" This is the "goth" musician Voltaire, though.

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What is the name of the songs for the J.C. Pennys' commercial and for the iPod commercial and where can I buy them? Feist "1 2 3 4"?

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How can i make the area around my vagina stronger, so that it doesnt tear during sex? It shouldn't tear during sex. I believe you're referring to the fourchette (frenulum labiorum pudendi). You could try changing sexual position. If you're referring to the hymen, it would most likely be a one-time tear. When women talk about exercising the vagina, they are referring to doing Kegel exercises which exercise the pubococcygeus (PC) muscle. Make sure that you are...

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There are people that put up personal ads looking for sexual encounters with the same sex in the showers of a fitness center that is open 24 hours. If you were showering and you heard people having sex in the shower near you, how would you feel? I'd feel the same as when I hear couples in the hotel room next to me or the apartment upstairs. I have knocked on the door when people have been obnoxiously loud (i.e. I can hear them over the tv or they're keeping me up when I'm trying to sleep) I'd probably try to mess with them in some way, but only because I find their behavior rude. (I'd feel the same if it...

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Surveys always say that people drink an average of so much alcohol per year. I just surveyed 5 ABers and found they drink very little? So who is drinking all the alcohol? (Own up!) I've seen the most drinking at sporting events, casinos, fancy restaurants (wine), highschool parties where parents are out of town, bachelor parties, birthdays, holidays... I think that there are some heavy drinkers and the rest drink little or none.

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Why do guys always say they're drunk after they go out and have one little drink? Some will do that as an excuse to fall back to later when they do something stupid they couldn't get away with sober. I knew a guy who claimed to be straight but got with a guy after drinking and still maintains that he's 100% heterosexual.

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What would be the most severe allergic reactions to marijana if smoked? You'd probably get more answers in the "adult"/"herbs & drugs" section. The worst I've heard of were flu-like symptoms, but I'm sure there are worse.

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I missed a pill, and dont know when. Only found out three days before the last one. Of course, I took two pills in that day. Been having unprotected sex all month. what are the chances I am pregnant? It's worse to miss a pill at the beginning or end of the month. It wouldn't be too terribly high, though. You may want to use condoms for a week or so and consider switching to another method of birth control if this concerns you. NuvaRing is a "set it and forget it" method you could use each month. If it's just a one-time slip-up, you should be fine staying on the pill.

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Anyone have any good low fat meal ideas? Roasted chicken breast and veggies or a side salad with vinaigrette dressing. I'm more concerned with calories than fat. (I realize that some calories come from fat, but I look at the whole package, if that makes sense.)

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How do you deal with stress? If I can't find a solution to the problems, I tend to distract myself somehow. I go onto AnswerBag, play computer/video games, sort images on my computer, work out, work on a business plan, talk to friends, etc. Ignoring the problem for a while can help maintain sanity, but if you use that as your primary coping strategy, nothing will get solved.

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How do I find five characteristics of highly visible people? Read the book? I found this on the internet: 1. They are leaders. They are not afraid to seize an opportunity, step up, and move forward. 2. They are rapport and communication builders. High-visibility people have the desire and ability to develop rapport with almost any individual with whom they come in contact. Interestingly, the word “rap (in rap music) seems to be founded...

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My computer may be able to be picked up in an hour. Will you keep your fingers crossed with me? I would, but it's hard to type with crossed fingers. Good luck, though!

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Can a person become depressed just from dieting? If so, can the effects be reversed by just getting off of a diet? Yes, especially if the person has a food addiction. You may be able to get "back to normal" by changing your diet, but if you are still having issues, you should see a doctor, a psychiatrist, a psychologist, or a counselor to talk to about the approaches (possibly including medication) to deal with depression.

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Would you buy stolen goods if they're being sold for a really low price? That's what eBay and CraigsList are for! Seriously, though, there are so many legitimate retailers online that I don't see the point. I pay through my credit card, so that would offer me financial protection in case of shady dealings.

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My son is in jail, his ex is getting credit cards in his name how do I put a stop to it Go to the police and file a report ASAP! Once you have a police report, he would be able to put a fraud alert on his credit report (he just needs to do this on one of his credit reports and it will alert the other two credit bureaus). He should be able to put a freeze on his credit report as well. I would suggest that he press charges in addition to you filing a police report (and hopefully the...

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What happens to muscles when they are sore? They hurt! Usually, sore muscles are a result of lactic acid buildup from anaerobic respiration. In plain English, if you work out too hard, your body will let you know later! You can measure your pulse and try to stay within a target range so that you aren't pushing yourself too hard. You can search Google for how to calculate your target heartrate. Another reason muscles may be...

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What excites you more leveling up or one of your percentages going up on your profile? Leveling up, especially if I get a new badge. :)

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In addition to a healthy diet and exercise, if drinking 8-10 glasses of water daily is supposed to help rid of acne and lose weight, how long does it take to see improvement in those areas? Water helps with weightloss because it has zero calories and water is needed for a good metabolism. The 8-10 glasses a day figure is an estimate. If you're thirsty, by all means, drink more! If you drink icewater, your body will use some energy (calories) to raise the temperature so that you can digest and maintain homeostasis. If you don't drink juices, sodas, etc, and replace with...

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Can you use a Canadian Best Buy card (not gift card) in a Best Buy in the United States? I'd imagine so, but you should call customer service first to double-check.

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Do you lend money to friends or family? Do you expect it back? Give a deadline? Charge interest? I've lent money to friends and family. I do expect it back if it's a loan and not a gift, but I don't bank on it. I try to keep deadlines open, but have recently asked to be repaid by the end of the year by a friend who's owed me for well over a year so far. I'm charging him $5/month in interest when he's borrowed about $1,000. He wouldn't be able to get...

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Have you ever bought any products as seen on t.v. before and what did you buy and did you like what you purchased? I have on a few items. I can't remember off the top of my head any except for the George Foreman Grill. I had the infomercial memorized along with the Sobakowa Pillow when I was, like, 13. There really wasn't anything on at 3 A.M. back then. :) I didn't really use the George Foreman grill much. I bought it with hopes of reducing my cooking time because I didn't like...

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Whats your favourite fairytale? I don't think I could choose. Does the story of Eurydice and Orpheus count? I remember learning that when I was 14 and translating Virgil's version in my Latin II class the next year. In Greek mythology, Eurydice was a woman or nymph, and was the wife of Orpheus. While fleeing from Aristaeus, she was bitten by a serpent and died. Distraught, Orpheus played such sad songs and sang...

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Do crazy people go through the forest by taking the psychopath? This one's so bad I'll have to share it! :) Was this from CrazyThoughts.com?

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What was the biggest beer bong you have successfuly completed? I'm not much for beer, but I could probably chug from a margarita bong! ...I hate to think of the calories, though.

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What do perfer-Whataburger, Mcdonalds, Wendys or BurgerKing? It depends on what I'm ordering. I've never had Whataburger. I really enjoy Wards, but I've only seen them in Mississippi.

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Do you think any other album will surpass ''Thriller''? Not in this age of CD copying and illegal music downloads.

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If your "private parts" were a fruit or vegitable, what would they be? Coconut... hairy on the outside, wet and fleshy on the inside, starts with c and ends with t. (Bad joke, I know, but one that I actually had an opportunity to repeat!)

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Where is the worst place to shout i'm horny? At an elementary school.

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Have you ever met a virgin that you couldn't tell was one? i always know. You'd probably score 100% on The Virgin Game on OKCupid.com *LOL* I don't tend to judge a person's sexual experience unless I'm in a relationship with them. In that case, I'm more often surprised that someone ISN'T a virgin.

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Something happens and I'am Head Over Heels-Does It happen to you? Only in awesome libraries. :)

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Are you a team player or an individualist? I'm more of an individualist, but I've been through leadership/management training. I prefer a more lessaiz-faire style of management and would rather someone be a business partner than an employee.

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4 all the ladies out there, is 9 inches or more necessary? ive watched some porns of black guys with 9, 10 ins and a lot of times the girls cant even handle dat, i think its more about the ''thought'' of trying to have something that big, what do u think? Wow, you changed your question! I think that the thought doesn't have everything to do with it, it's mostly bragging rights. A long penis is not restricted to those of African descent. Ron Jeremy is white (and icky-looking in my opinion)!

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4 all the ladies out there, is 9 inches or more necessary? ive watched some porns of black guys with 9, 10 ins and a lot of times the girls cant even handle dat, i think its more about the ''thought'' of trying to have something that big, what do u think? It's more important in porn than functional in real life. It's not like the whole length of the penis will fit inside of the woman... I've had a few friends who have been "well-endowed" but it's tended to put off their partners. There's a reason that every sex toy isn't the length of a forearm. *LOL*

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What do you think of the women that sell themselfs for little or next to nothing on the street? I think that most do it for addiction-related reasons. I think that others are trying a form of entrepreneurship that's frowned upon in many cultures. Prostitution is legal in many counties in Nevada as well as Rhode Island. Sex workers tend to have stories to tell and it can be an emotionally draining "career" but there are also sexual surrogates who are well-respected as being...

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Can I give you a massage? Certainly, as long as you're gentle. Thanks for the offer. :)

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What is the scariest ride you have been on in an amuzement park? The Loch Ness Monster at Busch Gardens in Williamsburg, VA because of the loops or the Big Bad Wolf (at the same amusement park) because it looks like you're going to hit the buildings (even though you know logically you won't).

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Do you pay your bills as soon as they come in or do you have a stockpile of bills that you are gradually getting through? I pay everything via credit card and I pay my credit card off (online) a few days before the due date. I figure that I can make a few cents more of interest in my savings account by waiting the extra 3 weeks as well as the little bit of cash back from using my credit card on other bills. :) I don't charge more than I can afford and have a decent "go to hell" (emergency) fund,...

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Three words after sex, what would you say? "Gimme a sammich!"

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How old were you when you realized you were straight? I suppose 21... I'm really not sure how to answer this question considering that I still am trying to find a definitive answer to explain my sexual orientation. (I am attracted to genetic males, but those with a feminine gender. This includes MTF, even though I refer to them as girlfriends. I don't entirely consider myself to be straight, though I am heterosexual.)

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If you won the lottery, would you remain on AB? Yes, why not? I don't see how I'd win, though, considering I don't buy tickets.

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Where can I locate inexpensive wedding gowns in kansas city or on line? David's Bridal has $99 wedding gowns. You could search eBay for wedding gowns, but be aware that the shipping & handling charges can be more than the dress itself, depending on who you buy from. If you're on a serious budget, you could buy some bodice or gown patterns from McCall's or Butterick's and make your own with the fabric of your choosing. I've also managed...

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Do you go to the gym a lot? I don't, but I have gym-quality equipment in my home that I'll use when the mood strikes. I liked the gyms at Duke, but I didn't like the chain gym I switched to afterwards. I didn't like the crowds/lines for machines or the huge glass window at the front (I guess because many of the muscular guys wanted to be seen.)

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I'm 5'7 and a weight lifter - pretty buffed. My weight is now at 167 and I think my ideal weight should be between 155-160. Is this correct? Ideal weight/BMI is intended as a guideline. Bodybuilders have higher BMIs than do "normal people" because of their muscle mass. A better measure of health would be body fat percentage. You should be fine. Ask a doctor or nurse the next time you go in for a physical or other visit if you're concerned. :)

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Is anyone using a wii as a weight loss method along with eating right if so is it working? I'm not, but that's because I prefer to work my lower body (elliptical, mostly) or work with weights.

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Remember Tae-Bo? Did Billy Blanks help you get in shape, or is he overrated? I did Tae-Bo in my highschool gym class as well as a bit of working out with a friend. The work out routine is pretty fun, but some of the movements were a tad bit too intense for me. I prefer to do my own thing, but I did find Tae-Bo entertaining enough to stick with.

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Are you a fast walker or a slow walker? When walking socially (talking, usually) or if I'm just taking a stroll, I go about 3MPH. If I'm walking with a goal (laps, around the neighborhood, shopping at the grocery store, or to get somewhere), I walk quicker.

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Does anyone exercise to Denise Austin on Lifetime? I have a few times, but I prefer to just hop on my elliptical or do some yoga or weight training on my own. Going for a walk can be nice, too, but I only feel comfortable at twilight, really. (There are less people out and it's just a peaceful time for me.)

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I keep seeing ads for 'strip aerobics' classes. How far do people actually strip in during these workouts? I wouldn't imagine less than a bra/undershirt. You can practice pole dancing fully clothed and the same with belly dancing. Full-out stripping classes would probably be restricted to adult education facility (adult bookstore/"novelty" shop/video store, etc). There ARE naked yoga courses, too, but they aren't generally offered at mainstream gyms.

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Have you ever tried Andy Capp's fries and if so, what's your preferred flavor? I haven't had them in over 10 years (they were VERY popular when I was in middle school) and I wasn't aware there were multiple flavors. I just remember them being VERY spicy. I think they were more popular with the inner-city kids. I haven't seen them since, actually. Are they still in production?

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Am i an emo kid, non-conforming as can be? Nope! But, hey, have some motivational posters, emo kid!

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What is your "safe word" when you practice S&M? I don't have one... my partner was strong enough to throw me off if need be. There's a difference between erotic pain and "I can't take this," but I haven't had to deal with that much. Usually, he'd take it and be sore afterwards. *LOL*

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Women, If you started reading a book and the female character in the story has a brief 'incident' with a large muscley Stallion (horse not dude lol) , would you find this erotic or disgusting? It certainly brings a new meaning to the term "horse play"! Seriously, though, I'm not into that sort of thing (or even furries). I think that "Clerks 2" explained it best... Elias: I don't want to see something like that! Why would you want to see something like that? Randal: Because it's f---ed up!

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Do you like love games like master – slave, doctor – patient, teacher – student? How about necrophiliac and the stiff? Cut a hole in a sheet (specifically for this purpose) and use it as a body bag. Tell the partner to remain perfectly still. This may sound disturbing to some, but it can be very thrilling. It works better if the female is on top and the male is the stiff. ;)

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Seriously, what do you think about having sex with a person who has a piercing in their genital area? It depends on the particular piercing. I think that frenum ladders look great on some people. I'd like to get some genital piercings eventually, but I'll need to find a piercist I'm comfortable enough with and who has enough experience.

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Which is harder precalc or math b? From my understanding, "math b" is like the "integrated math" system my highschool had. Did you take algebra I/algebra II/geometry or did you take Math A and/or Math A/B? It'd be easiest to stick with the system you're used to. I took the standard courses (algebra I, geometry, algebra II) as well as statistics, discrete/finite math, and AP statistics. I took...

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I would like to make a plaque to present to my children. I would like to use a photo and or other computer-generated copy for the original, and transfer it to a flat metal sheet. # 1 What type of metal sheet should I use? #2 How can I do this? I've seen this done on copper on "Craft Lab" on DIY Network. http://www.diynetwork.com/diy/cr_books_boxes_boards/article/0,2025,DIY_13746_5473978,00.html gives the instructions.

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Which is more important when it comes to food: taste or calories/nutrition? Both are important, really. I won't eat "healthy" food if the taste and/or texture is lacking. I tend to do a lot of my own cooking, so I season to taste. (Most spices are VERY low-cal.) Most processed foods have sky-high levels of sodium and/or sugar. Many people who are accustomed to fast food or processed food have "dead" tastebuds. (High caloric content...

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Okay, this is a stupid question but: When a girl is on top during sex (or any position really) is she just going up and down, letting it slide in and out, or is there some sort of other trick to it? It depends on the couple in particular. Either partner can take the lead and you two may want to switch off. Practice and see what works best for the both of you. Open communication is key.

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HAS ANY OF YOUA LL GIRLS GOT BREAST IMPLANTS? OR TUMMY TUCK DONE? HOW MUCH DID YOU PAY? AND DID IT HURT AFTER SURGERY? WOULD RECOMMEND ME ON GETTING BOTH? I haven't, but I've known people who have and it's painful from what I hear. I am interested in body modification (BodMod) and may have some cosmetic surgery at some point, but I'm hoping to be comfortable with my body as it is. The cost varies based on where you go and what financing options you look at. I would recommend that you do plenty of research first and possibly...

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Is it wierd that not only am I a virgin, but I have had the opportunity to dit with several girls (not at once), but couldn't pull myself to actually go through with it? If it's a form of sexual dysfunction, yes. If it's a moral or emotional stance, no. Why haven't you been able to?

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GIRLS...Have you ever given a guy a hug and realized he was a bit..."happy"? If so, does it bother you? I have. It's been awkward in almost every case. I've found it arousing at the right place/right time. Younger guys (mostly teens, but also those in 20s and even beyond) tend to get spontaneous erections and it makes me cringe a smidgen out of the awkwardness, but it doesn't make me angry. I have, however, been offended by some guys who will, after moving a bit too close for a...

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Is a credit score of 551 bad and can i get a car loan with it You'll have a tough time getting a loan, let alone a decent loan. Some dealerships will offer "credit amnesty weekends" and other specials. These dealers will look at your income and employment history, but will also charge you a high interest rate. I'd suggest that you save up and purchase a mechanically sound used car and make monthly "payments" to a savings...

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If birth control pills are not taken at the same exact time every day (an hour or so off, every night) are they still effective? If you miss a dose or are off by a substantial amount of time, you're supposed to take as soon as you remember and double the dose the next day or two. I'd suggest switching to the NuvaRing if you're comfortable with it. You can remove for 3 hours at a time and it doesn't have the nasty side effects as commonly as the Depo shot.

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What are you doing still up at this hour of the night? I'm on the phone and watching shows I recorded while out visiting this weekend (and on AnswerBag, of course!)

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If you live with someone else, do you do the cooking, or does someone else? or do you get takeout a lot? When I lived with my partner, we had takeout most of the time, dined in a few times, and his father would grill something if we ate at home. I cooked sometimes, but the first time I tried, the oil caught on fire while I left the room to consult him for a split-second. (I don't usually cook with oil, but the beef was lean instead of 80/20 that I was used to.) The smoke alarm went off and...

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Eat out, take out or cook? I'll usually cook unless it's a special occasion, I'm traveling, or if I have a craving.

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Wolves= cute and fluffy, or fierce (and fluffy)? They're cute, but they're killers... kind of like cats, but more social and less cruel.

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Has anyone found a great and legitmate way to make some extra income while working part time from your home? I used to sell on eBay, but the fees (and taxes) took a chunk of my profit because I was operating on such small margins.

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What was your crime? (google "<your name here> was arrested for") After conducting some field sobriety tests, Sarah was arrested for drunk driving and later, at the police station, submitted to a breath test resulting in a Blood Alcohol reading in excess of the legal limit. A review of custodial videotapes by her counsel Maury D. Beaulier, revealed some procedural irregularities.

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What is best way for to earn the maximum money if a person don't have rich family background? You can tell in terms of education also. Entrepreneurship and wise investment. Education is getting to be far more expensive than it used to be. To get a job in "hot" fields, you'll need to take an unpaid internship to get your foot in the door. If you can't cover living expenses without an income, you don't get the internship. It's nuts! I'd say start a Roth IRA and max out your 401(k)/403(b)...

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Why do you smoke cigarettes? I'll share a cigarette socially with a partner once in a blue moon, but I'm not addicted. I like cigars better, but still only smoke once every few months/years.

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Im 15, and i've been smoking for about three months. i smoked anywhere from 0-5 cigarettes a day, sometimes going a week or so without a smoke. ive stopped smoking now, but is there any chance i could have developed Buergers Disease? im pretty parano I doubt it, but if your paranoia gets you to stop, more power to you! Why on earth would you start smoking at 15? I've had a few cigarettes, but there's no benefit. The "calm" most people get is just the withdrawal stopping. (See how keyed up people get if you take away their cigs!) I think people should have a right to smoke and drink, but if you aren't old enough...

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For $20,000 would you go for three months without washing, brushing your teeth, or using deodorant? You could not explain your reason to anyone. (Assume that there would be no long-term effect on your career.) Sure, people would just assume I'm a hippie. :P

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For $20,000 would you go for three months without washing, brushing your teeth, or using deodorant? and you could not explain your reason to anyone. Yep... I could easily live as a hermit for that price. There are people who do that anyway without getting paid. Perhaps if I wore a Dungeons & Dragon's t-shirt? (Bad joke, I know!) I could go out at 3am to get my groceries and do the self-checkout. I've almost always worked from home, so that wouldn't be an issue. I have a feeling that I'd get sick without bathing,...

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Would you accept $1,000 to shave your head and continue your normal activities without a covering of any sort and without being able to explain the reason? I don't think so, but that IS a tempting offer. My (red) hair currently comes down to about my butt and would take far too long to re-grow.

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This is for the fellas who shave their dome. How are you able to shave your head without leaving "track" marks? Why do shaved heads look so smooth? What do you mean by track marks? I had a Buddhist ex and he used "Headblade" razors and shaving foam. Believe me, when the stubble comes out, it is anything but smooth. (It's like a woman's legs, but WORSE!)

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WOMEN: do you shave your legs/underarms ALL the time or only on special occasions? Do you honestly think that a woman's going to say "nope, I just let the hair grow so long I can braid it"? I've known feminists and hippies who don't shave legs or underarms. Some of these women let the whole world know. Part of me wants to say "you go girl!" and part of me wants to cringe. I ALWAYS wear ankle-length skirts or long pants, so I rarely bother...

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I on special occasions smoke a cigar. I find the Dominican ones especially tasty. My question is are Dominican women as tasty as there cigars? I wouldn't know... I'm heterosexual! *LOL* I like a cigar once every few years. The last one I had was very smooth. :)

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Where are you?! Im @ lunch break. I'm on the phone and the laptop on the couch in front of the TV. "Multitasking" much?

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Can I please have a HUG , I feel a little sad and miss my children? aww *hugs*

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Anyonewho chooses hell will live in fame and glory on earth and anyone who chooses heaven will live in poverty, sickness and frustration..... like what we see in sudan.......which will u choose Not everyone believes in an afterlife. Even then, some would say "you only live once!" Why can't you make your own luck or choose to be happy in spite of your conditions? Eternity is a long, long time. It really does depend on your definition of heaven and hell and how good/bad life would be.

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If you found out that your partner had sex with someone else, how would you react? Before the relationship, I'd discuss it. I would have expected to talk about that beorehand anyway. During the relationship and without my approval, I would dump and be hurt. I don't have a problem with guy-on-guy as long as I know about it beforehand. I'd like to have a part of it, but if I've given my ok or an instance, that's fine. I know that makes me sound like...

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How would you react if your partner suggest a threesome,swinging, or group sex? What would you do?Would you do it? It depends on the partner I'm with. If it were a threesome, I'd require the third party to have a Y chromosome (MTF would count). I'm too jealous to see my partner with another woman but don't feel as bad if it were with another man. As long as there's discussion beforehand and all parties involved know the situation, it's all good. (I'm picky, but I tend to...

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What would your porn star name be? (It's the name of your first pet + the street you grew up on.) I moved around too often as a child and had too many pets when I was born. Speedy Lane?

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Good day,What can a guy be discussing with his girl friend anytime they see each other or anytime he calls her on the phone. And how can a guy know if a girl is cheating on her, I think you've got the wrong category... you may want to check in the relationship advice category.

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Just went into the seekingmillionaires.com ad on this site. Checked out the women self described as wealthy. What would be your net worth guess? Don't go into the site before answering. Ask me again when I'm more successful!

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Do you prefer to pay with cash, cards or checks? For paying: Credit card. I pay my bill off in full (and on time) and manage to get a bit cash-back. Also, it's the safest way for me to pay because I have zero liability, ability to chargeback, improved warranty coverage/free rental car insurance, etc. If I'm receiving payment, cold hard cash is best (as long as it isn't counterfeit. I don't like the fees associated with...

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I went to buy a bar of soap and found out that in order to buy that kind of soap I had to buy two bars. They come wrapped together. To those who know marketing: Is that a good strategy? Many people may have walked away because they refused to buy two! Some will just give the spare bar to a friend or family member, which could be a form a viral marketing.

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Would you pay more for soap if you knew that it was made with high quality, all natural products? How much would it be worth? I'd just make my own. I am currently working on the business plan to start a small business to do this, actually.

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What do you think about the soap, Shower Shock with caffeine in it? It's suppose to be like drinking 2 cups of coffee. Has anyone here tried it? I was thinking about making a coffee soap, but this just seems wrong.

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I gave my bf a hand job and washed my hands with soap and water and dried them with a clean towel. I peed and wiped my vagina with T.P. Is this safe? You wiped your vagina? Do you mean your outer/inner labia or your vagina itself? Either way you should be fine. If you're going to be that paranoid, put a rubber on him and use a lot of lube.

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Did you hear about the man that woke up (came alive) in the Morgue during An Autoposy in Venezuala? Nope, but something similar happened to someone in North Carolina. http://publicsafety.com/article/article.jsp?id=4773&siteSection=6

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Have you ever used your gender to get something that you wanted? I've used my sex but not my gender. I was the only female at my highschool (only about 3,000 students, though) to take AP Computer Science. It was GREAT! I was offered a job programming in Atlanta, but I didn't want to go there on my own at that point in my life. I would've turned 18 and moved when I hadn't even received a driver's license, let alone a car.

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Have you ever paid for something using only pennies? Not for anything more than, say, a small piece of candy. I did pay for a skirt at a thrift store using only dimes, though. Later on, I bought a bag of H'ween candy at a drug store using the change I had left over. The cashiers were none too pleased. Ah, the days before I had a credit card!

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How often do you actually wash your hands with soap and water the regularly? Whenever going to the bathroom and before/during/after cooking (unless it's all in the microwave, such as instant oatmeal, canned "pasta", or Hamburger Helper), and before eating fingerfood. If my body can't handle a little bacteria, I'm doomed!

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When you hear "Dove Bar", do you think of soap, chocolate or ice cream? Soap, then ice cream... I don't associate Dove with chocolate, though I'm familiar with the brand.

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Would washing a child's mouth out with bar soap be considered abuse? Cursing is considered normal for most children nowadays. I think that soap could be more effective than spanking because the taste lingers. I always think of "A Christmas Story" where the child imagines going blind from "Soap... poisoning!"

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Do you need rehab to stop cursing or a bar of soap? You only need to go to rehab if you use the "f-word" that doesn't refer to sexual intercourse.

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Did george washington carver create a peanut butter soap Yes, according to Wikipedia. (See "The Peanut Plant: Its Cultivation and Uses" by B.W. Jones.)

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Does anyone know where I could view the 1970's commercial for calgon bath soap ("Calgon take me away") (yes, I checked youtube) Is this what you're looking for?

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Why do so many women refuse to wash their hands after using the toilet when a restroom has running water, soap and towels. I don't know. Why do they pee all over the toilet seat and/or refuse to flush? I find it sad that these are some of the ones to complain about how filthy public restrooms are.

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What's a good exercise to do, to improve balance? Yoga in general should help. Beyond that, I'd imagine some gymnastics would be beneficial as well.

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I just finished watching the movie "The Day After Tomorrow". For those who have seen it, is it possible that something like that could happen to our world at all? Yes, that's what happens if we don't write-in ballots for Al Gore! (Seriously, though, NO! Not as quickly as the movie suggests.)

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The other day, I saw powertools (electric saw) fitted with a dildo at the end. What is something outrageous you have seen lately? There are a lot of "sex machines" out there... I've seen electric drills with dildo ends, a masturbatory sleeve for a male attached to some sort of machine, and a clitoral pump that was quite freakish. The most outrageous thing I've seen lately was implied in Clerks 2. "Interspecies erotica." (I've seen it before, but it doesn't turn me on.)

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What is the first name of the last person that you met? Jimmy. I remember because two of his friends have been trying to set me up with him for months. *LOL*

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What was the name of the person who gave you your first kiss? Kevin. It was a misunderstanding, really. *LOL* We ended up being good friends, though.

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Who was the first person you ever kissed? A goth guy I had just met (who ended up being a friend of mine). I was trying to show him my favorite Bible quote (I'm not making this up!) and told him to look up 1 Corinthians 13:12 which is "Now we see as through a glass darkly, but then we shall see face to face. Now I know in part, but then I shall know fully, even as I am fully known." He looked up 2 Corinthians 13:12 which...

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Where can i find a diblo Go to the PC games section of an electronics store and scratch out the 'a' in Diablo.

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Does anyone know where I can find a table statue of a man and a woman doing it doggiestyle? There are probably some in the adult category of eBay. I've seen a lot of them coming from Japan... weird stuff!

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Honestly, how many of you have an "adult novelty?" I have vibrators, dildos, and a vibrating strap-on. My ex is thinking of getting me a clitoral/nipple pump. Any questions?

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3 part question: A: Do you own a gun? B: How many? C: male or female? Yes. Two 12 gauge single-shot breach action shotguns. Female. I figure it's better to have 'em and not need 'em than need 'em and not have 'em. (There have been rabid animals around... I'd hate for one to get my cat while she's out! Bonus is the whole self-defense thing.

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What's the most offensive word in your language? Apparently the f-word... and not the one that relates to sexual intercourse. It's so bad that you have to go to rehab! *LOL*

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Have you ever been kissed? I have. I try to avoid it, to be honest. That sounds strange, but it's true. (You end up sharing breath and I find that to be VERY personal.)

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Why do I always feel like a sleep after a meal? Sometimes I can hardly keep my eyes open after eating, and often when I can't sleep at night I have a snack to send myself to sleep. Why does this happen to me? It's fairly normal for some people. Are you, by chance, MSG-sensitive? My ex had problems with that and would get tired after eating. The blood should go to your digestive system. Perhaps that's it?

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Bottled or tap water? Filtered tap... unless I'm in Louisiana, then bottled. Also, if I'm on the go, bottled. I like filtered tap water with ice... it's awesome and calorie-free!

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Do you enjoy puzzles? (Which type) I enjoy word puzzles, number puzzles, and jigsaw puzzles.

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Could the casino get you into trouble for holding a strong magnet over the screen of a slot machine to win more money? If you try to cheat the casino, it's a FELONY. (You'll lose your right to vote as well as find it rather difficult to find further employment, lose right to gun ownership, and all of the wonderful other perks of being a convicted felon.) What you're probably thinking of is known as a monkey paw. It takes advantage of the random number generator.

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Do you play word games (ie Scrabble, Boggle)? If so, what was the best word you made/found? I like Boggle and will play Scrabble, but find Scrabble to end up being a pain in the butt. My favorite word game is for the computer and is called TextTwist. You can play TextTwist for free online at both MSN and Yahoo. I believe it was made by PopCap games, but I'm not 100% sure.

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What's your favorite MMO? MMORPG, I'd have to say GuildWars, but only because there's no monthly fee.

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Does being SEXUALLY CONFUSED means being BISEXUAL or HOMOSEXUAL? "Try sexual"? I'm confused in the sense that I don't know how to easily explain my preference (3rd sex/MTF) to others, but I know what I like.

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Which weapon out of these choices would you choose for zombie apocalypse? Take into account portability, ammunition consumption, and ease of use. 1). 9mm pistol 2). 12 gauge shotgun 3). sniper rifle 4.) Chainsaw 5). AK-47 6). Uzi 7). M-16 8.) .357 magnum It depends on the particular weapons. What type of 12 gauge? (I own two and both kick like mules, but they're both breach action single-shot.) I'd probably take a .357 semiautomatic with a decent length barrel and plenty of clips. Perhaps a 9mm if I could get hollowpoint ammo. The shotgun would be the most effective, especially with 00 buckshot. I honestly prefer 22 LR rifles, but...

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Did the National Minimum Drinking Age act of 1984 really have any effect on selling of alcohol? With states as greedy as they are for tax dollars? I know that South Dakota challenged the act and attempted to sue Elizabeth Dole when she was Secretary of Transportation.

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Has anyone ever tried Pimp Juice? What does it taste like? Just like Spunky Monkey Juice.

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What is your favorite funny porno name, i.e When Harry Wet Sally? "Muffy the Vampire Layer: Kristy Myst Goes Down for the Count" ...I haven't seen it, but it made me laugh.

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Who thinks this is a funny name for a porno? Laura Croft, Womb Raider. The concept's good, but "womb" tends to turn a lot of guys off. The thought of pregnancy (unless it's niche porn) makes most guys cringe. (It's most guys' worst nightmare, right up there with HIV/AIDS.)

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How long after getting a tat do you have to wait to give blood? Do you have to know your blood type or will they find out? It depends on the tattoo parlor. Some have been inspected for health standards and you can donate blood once the tattoo is healed. All shops should have an autoclave and use fresh needles, but in case they don't, the Red Cross and other places are looking out for the best interest of those they're trying to help.

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Do you know your own blood type? Nope. I tried to donate, but I was too anemic. We tried taking the test (I just had to have one reading high enough), but my body wasn't cooperating.

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How successful would a new deli in New Delhi be? I LOL'd! (Seriously, though, there are a lot of vegetarians in India, and many Hindus -- no beef, and some Muslims -- no pork). What's a deli without a corned beef on rye? :P

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In Nashville, a recent survey showed an 85% public's satisfaction with the metro police. Is this the national average? I have a feeling that it's lower in most cities, but I can't say for certain.

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When the PAL calls you for a donation, how do you react? I politely refuse donations. I do charity by giving my time. I'm out of work at this point, so I'm of limited financial means. (I have savings, but they're for emergencies.) Sometimes I feel cheap, but if I said yes to one charity I'd have many more lining up. My ex used to give to the ACLU, NRA, Amnesty International, and many other organizations. Go figure, right? (He was...

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What do you think of men that get manicures+pedicures? The ones I've known have generally been stuck up or thought of as gay. Manicures I can understand, but pedicures are a bit much for most men. I think that good nails can be sexy on some men, but it depends on the man.

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If Julius Ceasar met Vercingétorix in single combat at the battle of Alesia in 52 BC, who would have won? Rome, of course! Why else would poor Latin II students have to translate "The Gaelic Wars" if he didn't know what he was doing? (It's been 7 years, you'll have to forgive me...) Boudica seemed kindda cool, though, even if she was unsuccessful.

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Ladies, how many of your are plus-size and wear thongs? I think it is stereotypical thinking that sees it only right that skinny women can "pull off" wearing them. I don't tend to wear underwear/panties or a bra, but I've worn bikini briefs in the past and something dangerously close to a thong. I'm not the sort of person to flash a peek of what's underneath my clothes, though. More power to women who dare to bare, though!

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How many of you women can suck your own breasts? I can, but it results in a tad bit of neck strain. I think I'm a D-cup, but I'm not sure. I stopped wearing bras going on 3 years ago. I've never known of a woman who could suck her own clitoris, though. (Perhaps I should work on my yoga some more?) :P

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Do Latin Americans find it unfair that people from the US took the work American? Considering that the continents were named after the mapmaker and the US was originally the United States, they shouldn't be offended.

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What is your favorite sign language kiss off salute? Does flipping the bird count? (If so, I prefer the Italian version.)

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Do you remeber when people used to beatbox? (making the sounds of a beat using their mouth) Yes. Some in a cappella groups still do this. I've seen people do this when freestyle rapping in groups as well.

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Can you die from schizophenia without killing youself? It doesn't cause deterioration of the brain like Alzheimer's Disease eventually will. Your perception may be skewed to the point where you kill yourself unintentionally, but that could also happen from alcohol use or even bipolar disorder.

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Have you ever lived alone with someone who has bipolar and is it healthy to do? I lived with my then-fiance and his father for nearly two years. He had other issues as well (borderline personality disorder, mainly). I have a friend who's engaged to a bipolar chick and they're living together in an apartment and are doing fairly well emotionally. It depends more on the person than the personality. It can be stressful, depending on how quickly they cycle. The...

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Can a person with bipolar disorder be a single parent I've known multiple women who were bipolar and single parents. I didn't care for their parenting ability, but it had to do with them as people, not their emotional disorder.

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Is it unusual for two sisters aged 16 and 15 to still be bathing/showering together, sleeping together in the same bed, and sharing the same clothing? In most of Western society, yes. There are parts of the world where parents sleep with (not sexually!) their children until they leave the home.