Way to seize out of debt?
I bring in 9.00an hour full time and turn to college. I own 6000 within debt beetween 5 cards plus a 10,000 loan is in that any means of access to draw from out of this mess. I hear around Debt cures infomercial and the guy say the management have money to give support to you receive out of debt. I can't believe that. Other than working for nil and struggling or getting another livelihood or a better one is here anyway to retribution this stale.. I can't do any stability transfers are am maxed out on 5 cards. Help!!Answers: HAHAHAHA, your frenzy make me titter. $6000 contained by credit card debt and a $10000 loan? That's zilch.
First bad, receive out of debt assistance doesn't work. There is no illusion pill that can receive your debt step away. No one is going to abet you for nil unless they give birth to you. Second, shredding credit cards doesn't work. You can go and get your number from a statement or your online vindication and start consuming over the internet.
You own federal loans if they are just at $10000. They are within
learned deferment so hold your skipper up illustrious and stop whining. If you work full time, why is it you cannot compensate past its sell-by date your credit card debt? You should be clearing at smallest $250/wk. Something is wrong next to your story.
Take out an spare unsubsidized schooling loan contained by the maximum. The interest rate is low, cannot exceed a dependable percentage and isn't due until after graduation. Plus, you own a billion option for deferment or forbearance. You can consolidate after you graduate and lock them surrounded by at a lower rate. After you go and get the loan, remuneration it past its sell-by date while you're within college. The great sector is that in that is no minimum pay and you can settle up it past its sell-by date at your exercise or dawdle until after graduation.
Get a second profession and be paid the Biggest payments possible on your cards. Also, TEAR UP THE CARDS!
Maybe homily to the Loan Institution and see if they will put a hold on the loan until you are out of institution.
Maybe obtain a personal loan at a low interest rate from a loved ones contestant to compensate past its sell-by date the credit cards.
Probably the means of access I would pedal this is, try chitchat to a guard who would consolidate these debts into one clearing on a fixed rate over a length of time that would allow you to brand name ends touch surrounded by the meantime, after solitary hang on to one credit card and be massively stingy using it.
if bank are unwilling, you may necessitate to contact a debt assistance service, but do so by checking next to your local BBB to put together sure they are legit.
first, shred the cards. Stop spending money on them or any other card. Then sit down and amount out your expenses. Books, tuition, housing and food, are pretty much adjectives you NEED. Beyond this, look at what you are spending money on. Are you paying for entertainment, drinks, clothes or other things that you really don't obligation? If you have need of to do so, stir on a change merely idea near your money, set up a reserves plan, integer out how much you obligation to cover expenses, and use solely bread to cover them. Do this especially near spending money, as you can inhibit how much brass you enjoy, and once it is gone you can't spend any more.
Use the extra money you set free from adjectives expenses to put some contained by reserves (you don't want to shift into more debt should some sort of emergency come up) but also be sure to put extra towards the debt near the uppermost interest amount. Focus on paying them down one at a time. Do not attempt to face up to them adjectives at once, you will expected bring back frustrated and it is not as powerful.
Once you rate past its sell-by date one of the debts, put that money towards the debt next to the subsequent unbeatable interest rate.
Also, abundant bank own financial counselors that they contract beside. You can verbalize to your sandbank or credit alliance to see what they own that can help out you. I know their is typically a allowance that you might hold to recompense, but I know that beside the credit federation I work for, we negotiate near our contracted agency to muffle or waive the charge for our member.
Your not within that unpromising of shape, collected down and relax you'll be ok. Some things that will give a hand free up money right away are: If you enjoy a extra room get hold of a roommate, if you hold a sports car allowance Dutch auction it and find something for currency and the finishing point if you enjoy even 1 or 2 night a week free seize another charge. Now as for the long run heres what you want to do:
Start carrying a index and tracking adjectives your expenses. Even the .50 and $1 items write them down. Do this for a few weeks.
Now, sit down beside adjectives your bills, paycheck and that detail. Do a budget figure the minium on adjectives your bills. Then integer out what your untouchable accuring debt is and reimburse anything extra you enjoy to it. Once it's remunerated bad cart that amount and add on it to your subsequent unbeatable accuring debt and keep hold of doing that as it's the snowball effect and it works great.
Ok, presently let look and see what you can recover on. This is where on earth you catalogue comes into play. Thngs similar to taking a lunch to work, taking drinks to work and class next to you, cause your morning coffee and whip it next to you, stop buying those $1-$2 urge buys, munch through alot of soups, vegatables and pastas, cause 2-3 days of food at once etc.. Now look at what you can find rid of contained by your budget. Things similar to home phone, cell phone, internet, cable these you can downsize on and that should squirrel away you fairly a bit right away. Look at that enumerate and see what you are blowing your money on and STOP doing it. Only buy things if its' a call for not a want.
They speak you should own a 3-6month emergancy fund. You can do this two ways any set free 10% of your pilfer home settle up or instead of paying the extra to your utmost accuring debt stockpile it for this fund. This fund isnt to budge out to get through next to it's for for lose of opportunity or vehicle repairs.
Remember you must live frugally to do this but you can do it. Just stay focused and maintain your goal and dreams within mind and it will serve. The foremost point is your getting a college training and that will settle up rotten surrounded by the adjectives. You should return with a book by Dave Ramsey call "the complete money makover" This will really relieve you along the means of access. Best of luck and chirpy holidays.
What happen when the feds lower interest rates?
Answers: Usually lowering interest rates make the stock souk climb, but investors be batty the Fed with the sole purpose cut it by .25 % - I guess they considered necessary .5 or a full 1 percent. Anyway, beside the Fed adjectives rates that process money will loosen up a touch bit and rates for loans will come down a bit as will interest rates that you earn on stash surrounded by the hill.
they own several rates they can move..................usually doesn`t matter what they do is discounted.........figure out ahead of time.........
What they do take months back it get thru the undamaged discount,,,,,surrounded by common, it should stimulate the reduction,The feed usually doesn't do satisfactory or does too much.......
their depart marketplace operation are more successful i have a feeling.............
Good opening for a mom of 3 within des moines ia?
I would have need of to take home 10.20 an hour to cover what my childcare costs would be, also I currently obtain wic so it would be making up for that which I would not acquire anymore but I would still be buying milk, eggs, cheese etc. I am estimating 15 percent of my check would step to taxes and social financial guarantee so 12 dollars an hour is how much I would enjoy to be paid to cover that plus gas to budge an extra 30-40 miles every day- I would saloon pool next to my husband for constituent of the means of access as we live 40 miles from des moines , and after doesn`t matter what would be gone would be my give somebody a lift home income, where on earth do you estimate I could build ample to kind it worth my while to work? My husband loses his opportunity july 1st and we really want to bring back money into reserves prior, I am have the babe-in-arms mid jan, so would be capable of start work mar 1st or so, it also wishes to be a breastfeeding friendly business as I breastfeed my kids, if I added formula into the equation nearby is in recent times no mode I could work.Answers: honourable interview my mom have three children, she worked at the federal prison you procure salaried $25.00 an hour and she could afford everything we needed and more! it is a great situation she worked at S.I.S surrounded by other words she investigated clans and stuff
Consider working at home. It will free you within commuting and taxes. You'll probably still want childcare though - it's frozen to work next to interruptions.
You probably enjoy a great deal of skills you haven't considered. Check out Loral Langemeier Cash Machine (a book) - It's a stupid term but take you step by step through how to turn your skills into a business.
For example - right to be heard you resembling writing poems - you could write customs poems through a website and additionally get rid of them to the greeting card society.
This book teach not newly how to turn your skills into a business but teach how to plan contained by charge to fashion satisfactory money.
If you hold ample skills to receive a post - afterwards you own adequate to share those skills for money.
GOOD LUCK and Congratulations on Baby.
I reason this would be unflawed for you. You would procure your own website and the money you engender is up to you. If you have 500.00$ a month extra what would you do beside it?
Is telesales in fact that discouraging?
Heay Im broke and own found a charge over Christmas to fit within beside my University residence i.e my work finishes when occupancy starts. However, the downside is that it surrounded by telesales! I've hear some horror stories and I agree own have a charge that involved cold calling a moment ago a longer time ago. It is merely leisure lb6 an hour and every time you sign someone up to a timeshare out of the country development you obtain lb5. How tough is it to trade timeshare and will I take sick of calling? The duration of shifts is 4 hours respectively and will probably be 25 hours a week. I hold an interview tomorrow but i may ring and articulate it may be unsuitable.Answers: yes telesales is fundamentally impossible and depressing.nobody buys past its sell-by date them anymore because they can voice anything to acquire a mart. but since u are lone going for it over christmas time, u might only just cope. best of luck.........oh and i dont know if timeshare does vend but as a businessperson i do not approaching audible range from u guys
Everyone have to product a living!
Money is money, closing of!
dutiful luck!
Cold calling is frozen at the best of times, but the certainty that you are trying to flog time shares (something frowned upon by the broad public!) will probably breed this undertaking a bit of a stinker Im afraid.
I would utter its VERY unyielding to put on the market timeshare as in attendance is constantly lots of unenthusiastic press on them,plus lb5 commission on respectively one doesnt nouns resembling greatly, you may even be lucky to flog one a daylight!
I did cold calling telesales for going on for 6 months contained by Liverpool during my student days, and loathed it! You will want lots of guts and determination as most society don't want to provide you the time of daytime, plus its really intrusive to call for them at home and sooo heaps of them return with angry!
Also, the world of telesales is a fickle one. You may procure out of work (as most of my bureau did) if you do not bring in adequate sale, so be prepared for that constant pressure.
Although its above minimum wage, deduce rock-hard roughly whether this is something you really want to be doing. I used to come home after a 5 hour shift and surface without doubt knackered!- the from the heart stress of family hurling mishandle at you (maybe rightly so?!) for disturbing them at home really can find too much.
Why not jump to the interview, and see what they hold to contribute you. Ask question give or take a few how plentiful sale are expected a light of day, and enjoy a chat next to some of the culture already working here. This should make available you an hypothesis of the commission, and how convincing their expectations are.
Good luck, and above adjectives, be festive! xx
Someone else will hold the situation if you don't and it doesn't nouns as if you will produce a profession of it. I could forgive you for interupting my diner next to a sale telephone if you don't enjoy a choice freshly don't expect me to be nice. So a moment ago do it...for immediately.
A few concerns near MONEY!?!?
I own a few concerns roughly speaking my boyfriends money issues. He doesn't set free anything. I let go money every pay envelope check. He spends mostly everything from his paycheck and I get hold of stuck hand out money to him for this and for that. Witch is ok...I don't really enjoy a problem next to it if I hold the money on me. He make lots more than I do though. I option I could ask him where on earth it adjectives go...but I can't because we don't enjoy a reciprocal side so it really isn't any of my concern. I know that he have bills from formerly we ever get together that he owes money on. I enjoy found bills not looking for them, simply within places that I own cleaned and dusted and hold found them concealed from plain site...A $700 doctor bill. How can I speak to him roughly this issue until that time it get to out of paw. I don't want to closing up getting to far within and next me find pulled lower than buy debt too. Please Help!Answers: This situation is of your concern if you're getting stuck hand out money to him. It's also of your concern if you are planning a adjectives near this man. When two folks are within a committed relationship (which it sounds similar to this is), they should know how to discuss anything -- including money. I surmise you should bring up to date him you have need of to yak to him, and explain to him honestly how you discern and what your concerns are. Money problems explanation more divorces than anything else; so it's big to product sure you're on alike page financially previously your relationship progresses further.
Talk to him NOW and grasp this worked out. If you agree to it walk on you will regret it.
Been in attendance.
Sounds resembling you obligation a different boyfriend, seriously.
If he wishes money from you, he answers to you, spell.
She who have the money, rules. You hold the money, you build the rules and he follows them or HE DOESN'T GET ANY MORE MONEY FROM YOU.
Keep it simple.
Keep it sweet.
First of adjectives past you can be honest beside him you stipulation to be honest next to yourself. You do enjoy anxiety beside his spending and asking you for money. If you did not you would not be reaction close to your stuck contained by giving him money. Or be concerned beside how he spends his and your money.
Next write down what your short, milieu, and long residence goal are for yourself. Education, work, domestic, investing, love, sex, communicating near partner, partner bugets money prudently, money, medical, etc...
Then answer how you can do respectively. Like will your employment see you to find background to increase your money to budget in your favour, investing, and supply your current/future desires. Don't forget to identify things that could hold on to you from reaching your goal. LIke uncontrolled spending, not impression appriciated, partner know when you have orgasim, etc... Then solve how to for respectively.
So for your money ? if your budget includes handouts later do so. If not later don't. Because you should other do what you want and not what others want you to do if differant.
And do not blame them if by unsystematic you do what they want and not what you want.
Leave your goal where on earth he can see them. And when he asks nearly them, ask for his assistance contained by fine tuning them. Ask if your goal are simular to his.
Then do one for both of you. Then one for him.
you own a right to know scince you are giving him money. I don`t know you could ask him if you could relieve him budget.out his bills so he can keep hold of money.if your together i consider you own the right to know aND HELP. GOOD LUCK
How can I pick up money?
I'm young-looking and don't enjoy a charge, but even when I do I still can't seem to be to retrieve money for the natural life of me, or anyone else for that issue. I'd get hold of money from work (when I enjoy a job), close friends, girlfriend, family circle, etc... But I other run to spend it. I own 2 edge accounts that are other blank or approaching bare. I'm also a Libra that like to host/entertain so expect that I spend it on anyone who seem nice or I donate it to organization or confer it to bums. HELP!Answers: spend smaller quantity money.
the simplest strategy is purely to gather 10% of your income and put it into a funds side. gross a obsession doing this every week.
remember you can not pocket anything from this tale.
things will come up, when you stipulation the money,
but treat this story as untouchable.
when you enjoy satisfactory money save,
afterwards you can look into what will be the best investment vehicle.
the need of abiding is the most meaningful item right presently.
Very simple
in that are four things you can do
1) and most celebrated - silver your thinking - you must expect of in your favour as a biddable entry
2) set up beside an employer a nest egg plan - resembling an automatic presumption into a mutual fund where on earth you do not see the money - it does not hold to be much - but START and KEEP it going
3) I did this - I be wanting a topical sports car and figure my coup¨¦ giving would be roughly $500 a month so a year earlier I considered necessary the saloon I have the credit grouping nick from my workaday guard sketch $500 a month - when the time come I have 5 thous near as a downpayment along next to my older saloon - guess what - my untried sports car compensation for a minute is $522 - and I will CONTINUE to pay envelope myself when the sports car is salaried for
4) the first rule for in your favour is PAY YOURSELF FIRST (and trademark sure it is put into something you cannot write a check on)
Best of luck
Gerbear
You own no adjectives sense or fiscal disciple. That, little Libra, is your problem.
If you don't spend money, you go and get to save it.
Saving is a mind activity.
We adjectives know we must spend smaller number than we breed, even fundamentally stupid citizens know that.
It's not a numerical issue; it's a state of mind.
Watch your thoughts and your inner speak; right very soon, you are probably only just thinking give or take a few what you obligation to buy, where on earth you should move about, etc.
Think, speak and see yourself in your favour money.
Saving is not close to as fun as spending or making,
but we must do it.
The alternative - not positive - usually make you broke.
Have fun!
Traditional IRA AND Roth IRA?
I started deferred surrounded by natural life good for retirement and I am starting to freak out. I contribute the maximum to my traditional IRA but would similar to to know if I can also unfold a ROTH IRA and contribute the maximum within that also and still wallow in the excise abiding surrounded by the adjectives or if it in recent times one or the other.Answers: That adjectives depends on your income. There is a ceiling for contributing to a Roth. As long as you stay below that horizontal for the import tax year consequently you can contribute to the Roth and the Traditional. However, if your income is above the ceiling consequently you can with the sole purpose contribute to the Traditional.
Single filers: Up to $99,000 (to qualify for a full contribution); $99,000-$114,000 (to be eligible for a partial contribution)
Joint filers: Up to $156,000 (to qualify for a full contribution); $156,000-$166,000 (to be eligible for a partial contribution)
Married file separately (if the couple lived together for any segment of the year): $0 (to qualify for a full contribution); $0-$10,000 (to be eligible for a partial contribution).
Have no concept, if you can own both.... To me it doesn't product sense..So, I would say aloud its more wrong that legalized...
But, you probably can roll over your traditional to the roth.. Of course, in attendance will fee's and etc... would it be worth it?? that is to say adjectives you hold to ask....
You can contribute to both kind, but the contribution TOTAL would still be equal. For 2007, you're looking at $4,000 if younger than 50.
IRA Contribution Limits
YEAR AGE 49 & BELOW AGE 50 & ABOVE
2002-2004 $3,000 $3,500
2005 $4,000 $4,500
2006-2007 $4,000 $5,000
2008 $5,000 $6,000
http://beginnersinvest.roughly speaking.com/cs/iras...
As a side entry, contained by 2010, you can convert traditional to Roth IRAs.
http://finance.yahoo.com/expert/article/...
So you can see that you CAN own both and contribute to both surrounded by like year:
"Can I hold both a traditional and a Roth IRA?A.Yes, you can state both types of IRAs at thesame time. You can even craft contributions to both types of IRAs contained by like peas in a pod year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution restrain for adjectives IRAs." http://209.85.173.104/search?q=cache:VgY...
page 3, right side, final query within.
You can individual discount one or the other on your due return, however your long permanent status purpose is not tariff deduction, but have adequate surrounded by your IRS to supplament your retirement contained by the adjectives, the more you put away very soon, the more you'll benefit from subsequently. You can also unstop whats call a Universal Life Insurance policy, it have insurance benefits as resourcefully as retirement income following on. Don't cound on things similar to the Stock Market or Savings Accounts alone for your retirement, spread out your sources for subsequent income and you'll be ahead of the spectator sport. Tax deduction fluctuate twelve-monthly, what is ok one year, may not be ok the subsequent. Just hold on to investing contained by Yourself first and you should be fine.
Congratulations for planning ahead!
I don't know how behind the times you are, but across the world, if you are 50 or over within 2008, within is a catch-up contribution allowed. But once you max-out on your traditional IRA, you cannot put any more into a Roth, unless you are 50 or over surrounded by 2008, which allows a catch-up contribution. It also depends on your income.
This may relief.
Edit: I removed the previous information because it be for 401ks, not IRAs. Sorry. This is for IRAs.
Rules on Contribution Limits
Currently (2007), the annual contribution constrain is $4,000 (in common, married couples file in concert can contribute a total of $8,000, even if one and only one spouse have income). In 2008, it will increase to $5,000 per taxpayer. Thereafter, the contribution contain will be accustomed for inflation. Individuals aged 50 and elder are very soon competent to pinch pre-eminence of up to date "catch-up" contributions to IRAs. The allowable catch-up contribution is $1,000 per year.
In codicil, you can get underway an IRA or generate contributions to an existing IRA as unsettled as the deadline for file a duty return for that year. That process you would own until April 2008, to sort your 2007 IRA contribution.
John, You've get some great input here that's adjectives relevant. Most experts (ie Suze Orman, Jonathan Pond - independent of biases) influence do 401K up to company clash, afterwards max contribute to Roth IRA, consequently beyond that set off to 401K. If it's Traditional vs Roth and you qualify for Roth, do 50/50 and unwanted to traditional. The rub is traditional grows tariff free but roth you earnings tariff up front, but not on yield. Since not a soul know for sure what the charge rate will be years down the road, hedging beside both is the best bet.
What is a polite free website that allows you to find money to be precise owed to you?
Answers: missingmoney.com
Actually, the best place to budge surrounded by my belief is the website of your state comptroller. Those other public websites are wanting your money. Last year we found a couple of hundred dollars that be owed to us on ours surrounded by Texas. I suggest they charged a dollar or something to process it. Good luck!
I am totally broke and Ive tried and tried to look for a work and cant!! I stipulation some dosh.. what can i do?
Answers: Sign up at a temp agency. People are other looking for temps and it's something you can do temporarily while you flush for irrevocable work.
Most towns hold short-term staffing agencies...
Some are SOS, Personnel Plus, Kelley, Man Power....
And probably more.
From what I've hear, most of them settle you the time you work. So, you jump contained by and register beside them. Then they contribute you a livelihood to travel where, or perchance a few job to choose from, you shift to work, after the temp service pays you.
There are some immense companies out nearby that with the sole purpose hire through temp services. They bring within temps and assessment them out until that time offering them a available job - cheaper for the company because they don't hold to pay packet benefits etc...
Good luck!
seize a profession at mcdonalds or burger king stuff approaching that.. to hold some mony meanwhile..
later on offtime or days when you dont work look for a better undertaking or art
Sell this program, it sell it self because you are helping individuals put aside thousands of dollars. Also brand really really flawless money.
The program that I am in the main conversation around is call combined first financial (or U1st). It is a software program that prompts you to wages more towards your principle during the year. The opinion trailing it is using a home equity queue of credit (heloc) surrounded by place of your checking and nest egg depiction. By doing this you are canceling interest on your heloc by your income coming into it. Its with the sole purpose charged on a day after day average harmonize so you want to preserve as much money surrounded by heloc as you can.
(Example... 3000 on dash already, wage your bills for that month and it take the go together up to 8000, later you deposit your money which drops it backbone down to 2500.00, next to the each day average symmetry you'll just pay packet on the 2500. and not the 8000.)
Well once you permit your income work down your heloc, it wont allow you to put more money than you enjoy drawn, so you verbs over a couple thousand to your first mortgage. Then put your income pay for surrounded by, repeating the process a few times a year...resulting within 1/2 to 1/3 the time frame to payoff your house. Also abiding hundreds of thousands surrounded by interest. Any other question consistency free to check out this site.
What would £10.00 within 1978 be worth within todays money?
Answers: Still ten pound. It only just doesn't buy you as much in a minute as it did later!
umm.. I could report you how much $10 surrounded by american money is worth these days.. Or, I can even translate it into american dollars for you... But, you call for to know the infaltion between these time period....
So, during these years, if inflation be 400%....
Times your 10 by 400%... So, it be worth 40 pounds surrounded by 1978... And, if the money is still spendable.. its worth one and only 10 pounds today...Unless, its special and a collectable...Then the 10 pounds would hold a premium on the top...
In October of 1978, it be almost exactly two American dollars for respectively British Pound:
http://www.economagic.com/em-cgi/data.ex...
So if you plug surrounded by $10 at this site:
http://woodrow.mpls.frb.feed.us/research/...
what cost $10 contained by 1978 would be $31.64 contained by 2007. Divide by two to exchange posterior to British pounds, which would be 15.82
So doesn`t matter what cost 10 pounds contained by 1978 would cost almost 15 pounds and 82 pence today.
contained by 1978 lb10 would buy you 30 pack of cigarettes surrounded by the uk
surrounded by 2007 lb10 will buy you 2 pack of cigarettes
increased x 15
1978 wages----lb45 p/w
2007 wages----lb360p/w
increased x 8
are cigs too dear or wages too low??
To work out this you inevitability to compare the data on the RPI (Retail Price Index).
This will pass you a numeral of around lb41.60
Here are the data to use:
Prepaid Debit Cards?
Where can I seize prepaid depit/gift cards. I don't know what to draw from my in-laws so I want to obtain them respectively one. I fairly not get hold of bequest cards from simply one place because I want them to know how to use it everywhere they want. So can you please explain to me how I can a few of them.Thanks
Answers: You can obtain them at only roughly any supermarket or drug store; they should own the Visa, MasterCard, AMEX or Discover logo on them, and can be used at any place that take those credit cards.
****A WORD OF CAUTION****
Read the fine print when you buy these cards, because contained by mixing to a "purchase fee" for buying them to start next to, various of these cards will also discount "monthly fees" if they are unused without delay...so if they are misplaced for a year and consequently found again and someone tries to use it after adjectives that time, likelihood are totally righteous that the card will no longer contain any attraction on it. The monthly "non-use" levy on bequest cards beside one of these logos across the world runs roughly $3-5 per month but I've see it as much as $10.
Some of these cards you buy will start deduct this duty after the first month. There are some cards out in attendance, though, which will retain their full worth for the first six months...I suggest you procure one of those. As I said, read the fine print earlier you buy them.
You can bring back them at the edge or at several stores. I know Wal-Mart have them.
FYI you will hold to retribution $4.95 per contribution card.
You can buy them at several stores. I just now purchased Visa and American Express grant cards as a payment. There is a small charge, $3 or $4, depending upon the amount of the card.
Happy Holidays!
If someone files a lien on a vehicle to avoid it mortal included contained by liquidation, don't you enjoy to show proof?
My brother's girlfriend is file for ruin, he is going to say aloud he have a lien on her vehicle so it won't be included contained by the ruin. Isn't that wrong?Answers: yes and can be terribly serious to both of them!! it would be a baggage of dumb and dumber!
Yes, that would be ruin fraud. And if she grant him an actual lien right past file, i.e. STILL fraud.