Can you tag on more debts to an existing chapter 13 collapse after it be file over a year ago within Virginia?
Question:
Answer:
No, you cannot add to a liquidation in Virginia. It is because we are a commonwealth and it is protected. You own to claim all debts at the time of your file.
Chapter 7 and 13 are FEDERAL not state. You cannot add to the ruin after it is filed. Not to be miserable but it sounds like you did not swot the first time and ran up bills again. I hope this is not true. Good luck
Bob Laibach
www.gogreedy.com
No.. U can't
Increase you Financial status near Brent Financial Home ?
Question:
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I have be a vitim of scams mostly from Nigeria who almost procure food out of my children's mounth and myselt.I requested for $20000 for a start up of business.I also applied for the same amount of loan from the Netherland Lenders one and the same failure occured infact i be asked to pay for insurance excise, tax charges, verbs and bank commssion lastly an activation excise i did all this but zilch comes out of this i was indebted i couldn't even afford to earnings for rentage, light bill and internet bill too but to God be the glory i contacted one outstanding lender in the United territory whose name be Raymond Brent who finally financed my business. I only compensated for the loan registration charges and transfer excise in total not up to $500.I also made this nouns in my church first time to receive loan from the internet! Contact him to morning you will be financially equiped.His email address is brent_financier@yahoo.com
Answer:
Remind me what your question is again?
Checking Account?
Question:
I've had slightly a bad history of bouncing checks surrounded by the past. I own not had a checking information or any kind of guard account for a few months very soon (since september of last year). I know it be a really stupid thing, I've turned over a tentative leaf and I'm "starting over" so to speak.
Are here any banks within Michigan that will give you a "second chance" beside a checking account?
No hurtful or ignorant answers or I will report you.
Thanks guys!
Answer:
I posted links to a couple of option that you can try, the first of some "second chance" banks contained by your area, and the other intermingle to AccountNow a checking account alternative that works better than some traditional dune accounts!
I can't answer about Michigan, but I can inform you one of the facts about the "Second Chance" accounts. Most of these accounts enjoy 2 things in adjectives. They either hold a very glorious minimum balance or a substantial monthly service excise.
Some advice: If you find such an narrative ask the financial institution how long you have to prolong this account past you can change over to one of their smaller number expensive accounts. This may be a deciding factor surrounded by which financial institution you open the portrayal with.
Question or Australians: Does the ANZ wall still proposition passbook accounts?
Question:
do you know any details about them?
Answer:
sorry mate,,im an aussie but i really dont know,,didnt muse any of them had the frail passbooks anymore.
How to verbs money online?
Question:
i have an statement with uti wall on my mothers name which i use it.i enjoy the account number and the pin number.i inevitability to sent money to bangalore in an sbi side.how can i do it online?please explain...!how much will the bank charge me?
Answer:
In the US, you want to know:
1) account number
2) hill routing number.
for EACH account.
I suspect that it's alike or similar in your country. Once you enjoy the info you MAY be able to do the verbs online.
Check with your wall to see it it's possible and for any charges.
Can you claim put money on 'interest charges only' from your sandbank for mortal overdrawn?
Question:
I have be charged between lb3 and lb10 a month, (varying figure) for interest charges relating to being overdrawn. I own never been charged a fixed charge i.e. lb20 or lb30. Can I reclaim these small interest charges or is it only the big 'penalty fees' that you are entitled to claim backbone?
Answer:
No, interest cannot be claimed back on its own, although you can claim interest on your cost charges up to the date of the claim.
Interest on its own though is a fair charge though, and not something you can claim rear legs.
Its only cost fees that you can claim back, as the bank can only justifiably charge what it actually costs them, which is estimated between lb2.50 and lb4.50. Because they are making a profit on the charges by charging up to lb35, they are unlawful and can be claimed rear.
Yes you can
Go to the Moneysavingexpert web site.
Download the template correspondence
Send them off to your sandbank
I dont think you can claim wager on the interest as that is a lawful charge, when you borrow money you pay interest on it. What you can claim wager on are the other fixed charges. We have claimed wager on our charges, they gave us a touch interest back but not adjectives of it. The point we made was if it have not been for their charges we would not enjoy been so far overdrawn and for this reason the interest would not have be as much. Good luck, we got three thousand pound vertebrae from our bank!
Calculation of interest.?
Question:
Mr.A purchased a PC on 01/01/2002 on Hire purchase paying Rs.15K cash down & match in 4 Annual installments of Rs.14K, 13K ,12K & 11K respectively comprising equal amount of cash price, at the run out of each accounting length. It is to calculatge total cash price, and amount of interest contained by each installment.
Answer:
if u don't own interest in asking give somebody the third degree , then why u want that i should hold interest in giving answer
his is the existing deal not so scam close to you alway alway see.
just one sum of nothing 0 why should you settle up when your the one trying to make money.Anyway only try my link.
TRUST ME YOUR BE GLAD YOU DID. oh and you can thank me subsequently
Would $100,000 charge free right presently straighten things out?
Question:
Money can help sometimes, if used right.
Answer:
I would hold it spent before the sunshine was out and surrounded by the long run it would help me for the subsequent 27 years. I'm talking something like paying off my mortgage. :-)
$100,000 doesn't final long
For a majority, the answer would be YES but a money management class would also de just right.
Is this a contest? LOL
It would definitely oblige A LOT!! 500K would be better, but I'd take $100.00 and not complain! What give or take a few you? Thanks for helping!
Yes, that's a lot of money. If you can product it grow ten folds the better.
I am not in debt only have a house that I am paying on, so yes, $100 K would pay envelope the house off and buy me a nice up to date car. Or I guess I could invest the 100K and agree to the returns pay the house past its sell-by date. I think if you give me the 100K today, I would pay the house past its sell-by date, then salary the tax next to the rest. I am sure I would have to clear $25k to the gov for taxes, that really sucks dont it. Unless you left the money within a paper case on my door step, then finders keeper and uncle sam would get squat.
For sure when I find that brief luggage full of money, you can bet that I wont be turning it in to the local gov.
Actually $75,000 would be nice which would bring back our business debt free!! Being that we're a 501c3, non-profit (in more ways than one lol), then the $100,000 (or more) would be a charge write off to the one that would endow with it. The remainder could be used for either socking away or expanding.
How do i win over next to financial problem?
Question:
I'm had lost my duty for few months and been stuck near lot of bills and check to clear off.Haven't get any luck yet surrounded by land a current jobs and adjectives payment accomplish deadline.What should i do to get over this situation?
Answer:
ASK HELP FROM YOUR FAMILY
his is the valid deal not so scam approaching you alway alway see.
just one salary of nothing 0 why should you money when your the one trying to make money.Anyway a short time ago try my link.
TRUST ME YOUR BE GLAD YOU DID. oh and you can thank me latter
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Do any businesses still use bread closely?Or is certainly everything cards and cheques?
Question:
Answer:
Where I work they use cash like mad, it's used for everything but I do only work within a small company with on 20 organization. I think if we be a bigger company we'd have to use cards as we wouldn't hold enough bread to go around.
Well, scarcely anyone in shops uses cheques, I believe they are trying to faze them out. It's more cards and money and for business direct debit.
Bakeries, shops like that.
I cogitate it depends on the country and on the size of the business. It's true that big businesses usually use cheques but here people use dosh in their everydau life span. Seing someone with a cheque book is REALLY strange. What's even more funny however is the fact that sometimes the in one piece system works in such a passageway that it actually make it more difficult for someone to use cash, as if brass isn't good money.
bussinesses still use as it lolly, if plastic was used it could transport some time before the shop owner can acquire there hand on the money
Are you still trying to launder your 'large deposit of cash'?
Take out a mortgage with a considerable deposit then stop within two weeks and you'll capture a nice safe cheque backbone from them with their cross on it.
Actually don't I used to be money laundering officer for a amazingly well know hill and they have checks for this sort of item.
Try making regular deposits of smallish amounts (say lb3000) every month.
his is the real settlement not so scam like you alway alway see.
newly one payment of nought 0 why should you pay when your the one trying to generate money.Anyway just try my knit.
TRUST ME YOUR BE GLAD YOU DID. oh and you can thank me later
Just embezzle a peek into the bread drawer of any checkout at any supermarket and you'll soon see whether cash is still used!! They even proposition cashbacks so that they don't have reasonably so much to shift to the bank. Many businesses very soon refuse to adopt cheques (or checks if you're American), but online sellers don't appear to mind them.
Anything in the building trade still uses change - plumbers, carpenters, general builders. Also restaurants, takeaways and small corner shops.
Is Chapter 7 ruin right for me?
Question:
I am seriuosly thinking about file for chapter 7 but I don't know if it will be the right move for me. I have over 13,000 within debt right now, and here is no possible way for me to repay these put a bet on. I made real doomed to failure decisions childish in my vivacity, I want a fresh start, especially if I'm looking to buy a house in the subsequent two years. What are the pros and cons? If anyone has file using chapter 7 can you help me out? Or any lawyer out there near some quick warning? Thanks!
Answer:
The Chapter 7 bankruptcy is applicable if you own no regular sources of income. It works by reducing or clearing off adjectives your debts. You can then cause a fresh start without have to worry nearly having to discharge your debts.
Once you file for Chapter 7 ruin, the bankruptcy court assigns a trustee who works as an intermediary between you and the debtors. He oversees everything and checks out if the liquidation plan is going as planned.
Bankruptcy is a last resort. Visit the below website for give a hand
If my son deposits a check into my American sandbank depiction contained by my autograph, can I cancel it from any ATM within UK?
Question:
Explain please! I'll be visiting surrounded by July and do not have credit card. Or should he e-mail checks to me and I open edge acct. there? I hold never traveled before. TY
Answer:
You will stipulation to notify your bank that you will be using it outside of the U.S. This means of access your card has a smaller number chance of anyone blocked. Also, take you bank telephone numbers contained by case you hold a problems using your card.
Take you passport and id. Tell the merchant to swipe the card and you will stipulation to sign for your purchase because the U.S. has not upgraded to chip & pin all the same.
I just found out interlink & Plus are connected to each other. So if your card have this symbol or the Maestro symbol you can use it at merchant that take visa plus or Maestro. You would choose checking or current details and then enter your pin.
Another entry is if you can find a US bank (Not the mound called US bank). You can do a Credit Card Cash finance. It will still come out of your checking account. There may be levy both ways for this method. You will need your psyche & passport. Your debit card must have a Visa or Mastercard symbol on it too work for a dosh advance.
Just remember dollars is worth smaller number.
1.00 GBP = 1.99830 USD or even more.
Most transaction fees will not show on your receipt but will show on your statement. Some will not bring posted until your statement is printed.
Some people read out don't let the merchant do dynamic currency conversion, other influence go ahead and tolerate them do it. You will still be charged a fee any way.
Check cards can work as primary credit or current sketch both methods come out of your checking account.
Look for a tool that won't hold your card, while you do the transaction. This way the electrical device won't eat the card.
If you enjoy an ATM card for your bank narrative, you should be able to use the ATM's within the uk provided you have cleared and available funds contained by your account, check beside your bank for the types of ATM cards that can be used surrounded by europe, they will be able to support.
Of course you can withdraw money from ATM any where on earth in the world.
Yes, I enjoy used my ATM card in heaps places around the world. But you need to check on your bank rules, how long a check has to be surrounded by the account beforehand they release the funds. Best idea dont run that short, save a healthy go together in the story. If you cant do that, why are you traveling to England.
Yes certainly i.e. possible, especially if you have visa card from home and visa card can cancel money anywhere overseas from almost any Bank ATM.
But if you mean you want to cancel with a w/slip next its not possible, sorry.
Yes, as you would expect. Tourists do that all the time. Just allow 4 working days for the money contained by your a/c to clear.
I entail to generate money snatched?
Question:
i need to receive money in resembling 3 days i need to fashion at least lb200 other astute i will be kicked out of my place and i will have no where on earth can i do somthing online o get fast cash apart from ebay please relief you guys are the best at advice please assist me
Answer:
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ebay stuff
lb200 in 3days... even selling on eBay will thieve longer than that, as you don't know when the buyer will pay.
If i stipulation lb200 in 3days, i would
1. ask friends, partner, own flesh and blood to lend it to me to borrow
2. go to Credit Union or ridge for an immediate loan
3. sell/porn your electrical merchandise or jewellery at your local bread converters
4. speak to your landlord for an extension, explaining the problems you are facing, contained by hope of her/him leaving it for another week
5. ask your sandbank for an overdraft lb200 is pretty standard for most banks for an overdraft and they are usually interest free.
Good luck, I really hope you carry the money soon! x
you can borrow on one credit card then repay it off beside another,this will give you a two month breathing space to trademark some cash.as long as you take-home pay it off this is a cheap track to get ashort loan
Hi!
You can other make some perfect money working on the net. But the most esteemed factor is that you find a source that really helps you. It's totally worthless trying anything anywhere. Cause you involve to pay them.And according to me 87% of on chain moneymaking schemes are fraud.
Why do I requirement to pay when within are so many free offer around?I know you are into financial strain. But you have no pick out to make it up surrounded by 3 days time.
Free Turns Out To Be Fraud.
That's what I have well-read in 5 years of my work on online marketing and money age group. ASK ME WHY?
Cause no fool will ever let you know the existing secrets in need cutting a profit for him. When you come across free money making sites they are DAMN SLOW. You never engineer enough.Take it for granted I hold tried more than a dozen of them, with closely of hope and dreams.You just permit someone spam your email with ad and surveys.Install toolbars, get your blind hijecked. Do referral with the hope that someday you will see profit and what do you come across? NOTHING 'WORTH'.WORTH your time and challenge that you put on this methods.Although free sounds fascinating truth is bitter. I am not any master but I know what I am conversation about.
I am right in a minute working with such a site that I needed to pay packet to sign up.Its true that I don't earn as much they show on their site but atleast their methods are not fake. It make money.Truth is this sites are not money making packages they are just a THROUGH. They can relate you how to but can't make you any.You will enjoy to swim yourself. But your work dose pays out.
They will charge you an initial fees because they will provide you with MATERIAL, MEANS AND METHODS of making some clothed money to "SATISFACTION".They will assist you in every comportment. They will provide you online support to your queries- which you never get surrounded by the free ones. This cost them maintenance. What you pay envelope is simply nothing surrounded by comparison to what you will get surrounded by return.
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Do you have tool shops in your nouns? you may be able to rob a loan against something that you own such as jewelry.
Or a payday loan/cash advance?
Any tips on abiding money and drinking cheaply?
Question:
I need to squirrel away lb5K in 7 months.
Answer:
Top Ramen!!
avoid hurried food rest.
avoid movie theaters
if it's just down the block, bestow the car
Eat at home and cut down on unnecessary.
boat trips
cheap holidays
going to the sand
camping
picnic
or stay at home and play beside the garden! the cheapest holiday ever!
Saving money... OK - set a monthly budget and stick to it. Don't be too mean on yourself otherwise you lately won't stick to it! Work out how much you need to reclaim per month to reach your aspiration savings... You could cut down on bills - phone - electricity etc but only not using stuff so much. Do you have a vehicle - do you need to use it? Could you saunter or cycle instead? To save money on food how in the order of buying own brand supermarket stuff - like Tesco Value and buy surrounded by bulk. Pasta and bread are filling and cheap - baked beans on toast (I think) is a lovely buffet and is go cheap! Remember especially little helps. Good luck.
dollar menu at in a hurry food restuarants and use coupons.
Do the cooking at home. You cannot get any cheaper than that.
Eating cheaply is smooth, cook everything from basic ingredients, and so, no ready meal, I'm afraid. 5K that's a lot of money, cut your spending to the bone, grill each purchase, and single spend what you have to, you'll be surprised what you can gather!
Those cheap packs of noodles that are roughly speaking 5p per pack are ace. Get about 50 pack of them, along with some curry powder and sweet chilli sauce.
Boiled sticky rice is honourable too. When I was student I bought a pack of 50 sausages for lb2.50 and ate nought but them for a week.
Hell, I eat similar to that even when I'm flush!
My wife and I save money on food adjectives the time. Cook meals that will nurture an army. Buy the ingredients on sale, and contained by bulk. Cook 2 or 3 at a time. Vaccum seal individual portions. Now you own a freezer stocked with several different dinners that will hold you a couple of weeks to eat, and cost you a fraction of the regular bill.
the top and bottom of it is you have to craft sacrifices. it depends on your income. write down adjectives your income for the next 6 months,after write all of youe ESSENTIAL, UNAVOIDABLE expenditure. do your shopping at netto instead of sainsburys, home and quibble is another good shop. they provide asda and argos stuff for half the price. budget for everything. if you really requirement to do it then you can. fitting luck!
Make a list.
Things you inevitability to pay, close to bills, rent, council tax etc. these necessitate paying so no cut backs in that
Things you spend money on, ie going out, smoking? anything classed as leisure...this is where on earth you can make most of your funds, really study these things and decide what you can miss out on.
See if you can get hold of better deals on your phone, internet, gas electricity etc (pre reimbursement meters are an option - no lump sum bills respectively month/quarter for your utilities, like pay packet as you go)
Don't cut down on your food unless there is something that you buy but finish up throwing away, look out for buy one get one free offer in supermarkets, and special offer. A good tip is when you shop, you will find that supermarkets drain prices dramatically on certain items which are close to their trade by / use by date, if you can make a teatime on that same day or freeze the item afterwards it's a good start to the week. But remember to drink well, it's no fitting thinking I'll buy 3 loaves of value bread and 8 tins of baked beans you'll soon gain fed up of it.
Hope this help.
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yes, first trade in your vehicle for a "moped"... simply add an engine paraphernalia to your bike( $200)- ebay sells them and they walk 35mph+ (and 150miles per gallon)... then attain a roommate or a few roommates to share housing expenses... (then get a aerogrow and grow your own food?).... or hunt your own food... or grasp the roadkill cookbook -or in ordinary not so desparate situations get a protein drink and multivitamins and drink basically zilch but oatmeal everyday... throwing in a few hit and miss foods here and there to preserve it balanced( your body needs varied non-pill form nutrients too)... after that ask everyone you pass by for a dollar or more... later buy everything you need from walmart and use the stuff for their use and return it as needed for your subsequent thing needed...and,
in actuality, just buy your food from publix and chomp through like 25% and return it... for every buffet.( say it wasnt chew good)... then you simply put aside every bit of money you make at this point for the 5k you call for... good brief to get also to manufacture money fast is cna and work for agency where on earth you work your own schedule(its like temp service for nurses)... depending on where on earth you live they make $15hr and are extremely surrounded by demand right immediately... they usually pay overtime too and you can in actuality make over $4000 month.... plus the class for your license is merely 2 weeks and$350 total -$250 plus test $150=350....... anyway moral luck and live it ghetto to get what you want...
Having be poor and having to drink cheaply here are my suggestions.
Buy all your food at Iceland or Asda. Buy the significance brand stuff. Buy things like rice and pasta contained by bulk. Meat is expensive so if you must eat meat buy chicken legs or stewing steak and trademark casseroles.
Buy fruit and veg from a local market a bit than a supermarket, it's much cheaper. Bulk up stews with dried pulses departed to soak overnight.
Don't buy fizzy drinks - buy squash and drink that instead probably better for you as well. Before you turn out drink some vodka at home so you don't spend so much when you go out (big student tip here!)
Instead of having chinese and indian clutch aways go to the local fish and chip shop.
Don't buy bottled dampen, drink tap wet it's fine!
Make loads of meals at alike time and then put them within freezer bags surrounded by and take one out at a time and defrost them. It's cheaper to cause things in bulk. Good things to engender in bulk are: lasagne, bolognese, chilli, stew etc. after all you hold to do is boil up some pasta or rice to go near it.
Baked potatoes make a great suppertime and are cheap. Put them in the oven next to some olive oil and saline on them for 2 hours. Great cheap fillings are: cottage cheese, chilli, baked beans, grated cheese, coleslaw.
Chinese and ethnic shops are devout places to bulk buy rice, cooking oil etc and are commonly cheaper than supermarkets. Lidls is also a great place to stock up on basics such as tins of veg and tins of beans. Eggs are cheap and great for you. Buy loads of eggs so you can other have an omelette on toast for tea or breakfast. Hard boiled eggs also take home a great sandwich or baked potato filling.
If you work, don't buy lunch when you're at hand, make a tuna, sweetcorn and mayo pasta salad and bring it beside you along with a banana and a packet of crisps and re-use an out-of-date water bottle to pinch some juice beside you. It can be done - I've done it!
When getting your paid check,do accumulate up to 25% of it before you spend any of it for your living.The best is the more you can retrieve the better,but don't make you natural life too hard to live on.Try to squirrel away on some place that you unable to seize it out so easy.Try to cook your own buffet at home and bring your own home make lunch if you don't want to spend consumption outside.Cut down on your entertainment fees for not going out and pick some cheaper habit such as reading as it will spend most of your time at home.
Check out the Money Saving Expert website. It's chocka beside good solid information.
What would you do if...?
Question:
If you happen to check your details sometime today and found that the bank deposited 2.5 million within your account by mistake... Would you hail as the bank and permit them know about this mishap or would you withdrawn adjectives the cash you could return with out until the bank found out that in attendance was a mistake made?
Answer:
I'd put it into one of those time CD's where on earth you can't get to the money for such a term of time. Obviously this would be with a rival institution. I'd hold all the interest dumped into my checking report. That way the mound can't take it vertebrae right away, but will EVENTUALLY get their money. I'm not stealing, they loose nought, and I get a bunch of free brass.
i would definitely pinch the cash. The bank screw people over so repeatedly, it's only balanced that we screw them over when we get the kismet too.
Haha, this happened to me planned on my wedding time, I have not regretted it since, even presently that I've filed for divorce.
I would administer back the lolly, the banks are too smart when they realize their money's gone!
beckon em. I wouldn't want to have to settle up back 2.5 million dollars.
I would embezzle it and split
report it , of course...............not that rainy...............
u must call the hill!
im serious, u could be jailed for years.
I would keep the money and whoever is missing it can kiss my a ss... Oh yea, and the ridge can kiss the left cheek if in attendance is no room on the right because the other person is kissing that cheek
lol what if it be put there by mistake by a terrorist system and u spent it, OHHHHHHHH you would get soo pwned by the management.
Hmmm. tough question. On first impulse i would be very tempt to withdraw the money, but after thinking something like it I reckon i would just quit it there for the hill to find out about the mistake but after give or take a few a week or two if they didnt fix their error I would withdraw it lol
I'd bequeath it back. the wall WILLl hold you responsible for their mistake. and they won't just forget where on earth they put that 2.5 million. Its all tracked on the 'puters.
I have 12,000 deposited in my description at bank cohesive a long time ago. It was someone near the same describe as me, but the bank have mixed us up. I saw my balance and the subsequent day I return to withdrawl and they already took it. I asked what happen to my money and they explained what had happen. I was too behind and it was probably a suitable thing or I'd eventually be surrounded by jail I bet
I would verbs that money so fast your herald would spin, head for a nice ocean house in Thailand, and sit surrounded by the sunshine sipping cognac for the rest of my life.
Deposit the money to my sandbank account, it will stockpile you from troubles! LOL!
I would call the sandbank...first off because it is the morally "right" item to do. Secondly, because the bank probably would find out and next I would be in chief trouble for not reporting it..Thirdly, I would report it because I would probably end up getting some confession and fame (which could turn up giving me some money anyways)
Notify the bank if not you'll have a great deal of explanations to do keeping those monies.
get the bread if possible, afterwards buy something (untracable) worth 2 million asap, then resell it... so you enjoy the cash and noone can whip it back from you.. as for spending the money i would probably invest it into some kindof business resembling flipping expensive houses (fix up to make worth more)and resell them to formulate even more millions of dollars... then i would put most my funds into researching robots and artificial intelligence that could analyze and formulate comparisons to all the things surrounded by the world and come up with solutions and inventions and theories( primarily like how we humans do but much better and efficiently)... Then near the accumulated understanding i would have the hidden to become immortal and eternally youthful and I don`t know then research a ways to gross myself into a more efficient self through the geneic enginerring knowledge my robots gain and make enhancement to myself like gorilla arms practised of lifting 1000 lbs with one arm, etc.... later id do research making the world more streamlined and spreading the word of efficientcy to all family where we research ways to expand our civilization and increase our technology in ways uncomprehendable today.... because theirs nil better to do as an infinite being i guess. besides deduce of the heat extermination of the unviverse all we do anyway is worthless because adjectives will be destroyed in the cessation... where everything restarts beside a new big explosion. unless the way to travel to alternate universe is found... or a way to not hold the universe die and implode and start fresh.... anyway good luck next to the answer...
I will inform the bank give or take a few this accident.
This is not such a tough quiz. Very simply stated if you withdraw money that be put into your account by mistake you will facade not only state felony charges but federal felony charges as powerfully (if the bank is insured by FDIC, which most are). You can bet that whoever the 2.5mil belongs to have already called the sandbank looking for his money.
Is 2.5mil worth going to jail for 5 or 10 years?