Compensation for unresponsive smoking!?!?
Question:
How do i get compensation from the moaners? They can sit nearby whinging about downcast smoking, but I'm the one who has to fork out over lb5 a packet and they're getting it adjectives for free!!
Answer:
Pollute your own air!
I estimate smokers are, bad mannered, inconsiderate, uneducated and dirty. They stub their cigs out anywhere not bothering what mess it makes.They discard their cig ends and ash within cups, plates and down the loo. Heaven knows what state their homes are surrounded by.
You can kill yourself beside your cigarettes but don't kill me.
THATS CALLED MURDER!
True,true!
Right on!
In come the anti smoking brigade getting adjectives annoyed over a joke
lol! ably said
I always thank smokers - they retribution massive amounts in Tax during their working life span and then die rotten before enjoy their Pension == more for the rest of us ..
Mind you, there are quicker ways to commit suicide ... but I will look after to the death their right to choose how to move about (just so long as they do it outdoors and well away from me :-) )
This is contained by response to Steve B:
I totally agree on the tax. But if smoking is close to commiting suicide, we should all sue the affairs of state for our love ones death. Why is it official in the first place? Why do they still flog it if more than 75% of us don't want to have it around? If they engineer money out of it, of course they won't lug it off the marketplace. Don't be surprise if Marijuana becomes officially recognized as soon as they find a way to create money with that too! They don't giva a Da**mn something like nobody! If they did, they would have fixed the problem a long time ago!
I'm sorry if I dont answer your request for information but to be honest, I'm not sure If I understand! Who are the moaners? Who's getting what for free? (I'm not dumb, I'm french! So sometimes, the instrument the question is asked, is not amazingly clear to me.) Thanks for understanding.
waht a fu****g belta, this one is my first choice, lol, xxxxxx
ha ha...fantastic question!! - i other wonder why, if they dont like smoke...do they stir to smokey places...why not choose non-smoking places...you are gonna get some unpromising arsed answers to this one..but i like it..your funny!! - yes..i smoke!
Haven't you realize that smoking is on the way out contained by public places, and in some cities and states surrounded by private places. Smoking is a selected mannerism and can be stopped if you try. You would save the money, which sounds approaching it would be considerable in your valise, and not have to listen to the moaners. I know you won't pick my answer as best, but you should be considerate of those who don't smoke and if so, you won't own the issue to begin beside. Smoke outside if you have to smoke.
How would you walk nearly finding undetected assets?
Question:
Answer:
Get your information together, decide what you want others to know, and ask the customer service department at an established sandbank if they can help or recommend an agency to you that provides such a service.
Prosper Finance mentoring?
Question:
I am trying to pay past its sell-by date my bills at an accelerated rate and was standard by prosper finance for a mentoring program. Down stumble is tution is over 6000.00 They say if I am adament, the course will remuneration for itself within the first year. They provide a weekly receiver consultation/lesson/homework. Has anyone done this and what were the results. It sounds honourable but don't know if I should spend the 6000.00, Thanks
Answer:
That's absolutely ridiculous. There's no possibility that you paying $6000 to them will put aside you money.
Don't do it. Don't even think of considering it any longer than you already hold.
There are dozens of resources that are free or charge very little. Call a consumer credit counseling service. Do not do their transmittal plans. Make them offer you the free credit counseling that they are required to hold out by law to get hold of their non-profit status.
My best guess is that this "mentoring" program is a big scam. You will be able to get moving your debt payoff by recruiting other nation to pay $6000 and you acquire a cut of the money. I'd bet money this is simply a pyramid scam that is certainly illegal.
The library also have tons of free books on personal finance, budgeting, anything you involve. FREE.
Is This E.Mail From ING Bank?
Question:
Answer:
What email?
If it wants you to click on a relationship to log on and asks for your user number and pn, probably not. Never enter your PIN unless you see your personal phrase and picture.
what is a SF-8??And how do I seize mine??
Question:
I just file for unemployment online and it said that I stipulation to e-mail them my SF-8 what is it and how can I get ahold of mine?
Answer:
The SF-8TM Health Survey represents a through advance surrounded by the application of SF technology for purposes of achieving both brevity and comprehensiveness contained by population health surveys. It have only eight questionnaire items. By relying on a single item to weigh up each of the eight domains of strength in the SF-36(R) Health Survey, the SF-8TM represents the state-of-the-art phase in the evolution of SF assessments - single-item scales.
SF-8TM is also the first SF survey to be constructed on the font of empirical studies linking each questionnaire item to a comprehensive "pool" of widely used questionnaire items, including but not controlled to the SF-36(R), proven to measure indistinguishable health concept. Because the item "pool" for respectively of the eight health concepts be calibrated on indistinguishable metric as the corresponding SF-36(R) Health Survey scale, respectively SF-8TM single-item scale and the SF-8TM summary measures can be score on the same norm-based metrics as the SF-36(R) scales and summary measures. Thus, the SF-8TM is an 8-item copy of the SF-36(R) that yields a comparable 8-dimension robustness profile and comparable estimates of summary scores for the physical and mental components of form.
If you formulate $100,000 a year surrounded by NYC, is that greatly?
Question:
if you make 100k; it that like mad of money or what?
after tax, partially is gone. It seems everyone within NYC is making
at least 100K?
Answer:
Its Not. Anyone maxim differently DOES NOT KNOW NYC. You would only be capable of qualify for $2500/month rent. In Manhattan that is not even a nice one bedroom (this is why NYC have such a large number of unmarried couples living together. It is more for financial reason that for love).
If you save for your 401K, afterwards you will probably only clear around $4500-$5000/month.
You can live and own fun in the city beside $100K/year, but you are far from rich.
Even $200K is not really that much (since you get hit next to all of the extra taxes from unshakable tax deduction going away). It is good for a couple, but not a inherited.
If you want to live comfortably here, and have a kid (or 2 of duplicate sex that can share a room), then you obligation to make around $400K.
yea thats alot
Duh its alto since NYC is a city near lots of homeless who don't have money.
If you live outside of Manhattan- surely. Manhattan has grown to become so expensive next to high costs of living that making $100,000 a year will be only enough to live contained by a one bedroom apartment. Some apartment complex's matter of factly require you label at least 48 times the cost of your rent per year to live within an apartment so if the rent is $4,000 a monthLiving in Northern Brooklyn right across the bridge is also seeing a surge contained by prices due to spillover from Lower Manhattan. Many parts of Queens are becoming expensive to live in- best bet is to pick a good nouns and milk it- I wish I have an apartment in lower manhattan contained by the early 1980s- may own been a shady nouns, but damn I'd be rich if I was selling it today...
if youre a professional such as a legal representative or stock broker $ 100,000 a year is probably nothing. but if youre making anywhere even partially of that at a normal service living such as a restaurant or gas station worker that would be very polite. im sure alot of chefs make economically over that though.
Move to the mid west (WVirginia,Ohio, Muncie Ind and earn $45-50,ooo and come out way ahead
You would hold a very middle income existence. Life is expensive, but the access to the culture and opportunities of NYC cannot be overstated
No, it's not.
You can't buy a house/condo/co-op contained by NYC or nearby on that income.
What wall have the lowest overdraft restriction ?
Question:
My bank is wachovia and it approaching anything over .01 gets an overdraft of $35. Its in danger of extinction that I overdraft but I did the other day for $2.00 and be hit $35. Any banks that hold a higher shorten?
Answer:
Bank of America is like that. I be in motion over by a cent and it's $13 the first time and $33 every time after that.
Banks know there are like mad of struggling poor out there who can't seize credit cards and that people will be forced to overdraft freshly to feed their family. Banks are all in the order of taking people's money. They always hold been.
WAMU
Chase offer overdraft protection and the limit is base on your credit worthyness. Chase offers from $200.00 up to $250000.00. The lower amounts are related to Chase credit cards with no annual tax and 0% APR for the first six months. The higher confines are linked to a Chase Home Equity Line of Credit. We charge a $10.00 tax to transfer contained by $50.00 incriments to cover your overdraft.
My dune consent to me lolly $5,000 surrounded by USPMoney Orders. The desk clerk used my neice's checking statement!?
Question:
I was a sufferer of money order scam although I didn't know it at the time. My neice and I share like peas in a pod name. She have about $5,000 within her checking account and I solitary had $800 surrounded by my one and only funds account that I share near my son. I found a job on chain with an "Art Gallery" and they have sent me US Postal Money orders asking me to deposit them surrounded by my account and later to send the money out of the country. I be not aware of money order scam as I just moved from out of country. I figure that if I could just bread the mo's it would save me time to follow the "art gallery" instructions. The banker apparently thought my niece's account be mine and cashed the checks for me against my niece's acct. The teller checked my ID. A week next my neice gets an overdraft and the mound freezes her account. Please detail me that the bank be wrong all the means of access around and should not have used her reason or let me currency the money orders. The police recieved my report.
Answer:
Get ahold of the Banking commision contained by your state and local media .State the facts , the guard made a assumption , a mistake .
The bank is wrong and they can't do that to her unless your mark was on the story also.
yes, the bank is wrong for that, I only hope your name wasn't on the picture as well.
tolerate me see if i got this right. You sign up for a matter where you carry a money order depsoited into your justification and then you convey them the money out of the country?? Do I have this right? I Do???
*SMACKS YOU OVER THE HEAD WITH A PHONE BOOK!*
This is a classic scam and immediately these morons got YOUR (Niece whatever) BANKING INFO and thus pilliaged your information. The tellers are mindless drones they of late sit there and process the stuff given to them. When the edge saw what was going on they froze the statement to PROTECT YOU (Niece)! Thus not only be the 5k from the money order gone but anything was surrounded by that account at the time of pilliage is very soon gone. That is why the bank froze your reason they saw this scam develop but couldn't stop it until it was too unpunctually. Hope you learned from this incentive it cost you BIG TIME!
Something of a stupid grill.?
Question:
First of all I made the verdict this year to make 200K and I hold something that I really want to accomplish but, I really don't want to go into debt. I hold a high conservatory diploma and am working to get into college. I am working a full time housekeeping commission at the mall as in good health. Is there anyway anyone can assistance me out with getting the brass? Like I said it is stupid and I feel that if I borrow the funds I'll be rejected due to poor credit matter and I don't have much of a credentials to getting the bread that I need. Is in attendance anyone one who can help me?
Secondly I necessitate to know, does anyone know where to return with a car that's contained by great running condition and that I could get for underneath a pompous? A car that'll closing me for a few years?
Answer:
Methinks you need to re-assess your goal. You have 9 more months for the $200k to arise. I kinda doubt it with a high-school diploma and housekeeping assignment.
It's okay to do all of the things you're wanting to accomplish, but you have need of to give yourself time to carry it all done. There's nought in the world wrong near wanting to go to college, but I suggest you apply for a Pell grant or other funding instead of doing the student loan bit. With person a bad credit risk, it's purely not wise to run up bills that it will be easier said than done to pay.
Make a budget for the income you do hold, and build into it a savings task. Set aside some "rainy day" funds and don't take into that unless it's a dire emergency. That will free you to concentrate on your goals in need worrying about "what if something happen."
Hard work is definitely one switch to success, but you inevitability to pace yourself and know that anything worth doing take longer and costs more than you think it will. You've get a good article going with your situation, and if you apply yourself, you'll do fine in college. But don't press yourself to accomplish more than you possibly can contained by the time you've set aside for this.
As to a car, try a dealer's auction. Cut yourself some slack and do some courses at a local community college. You can work your instrument through school. Untold thousands of general public do it every day. You in recent times have to want to, bleak enough, to focus and capture the job done.
capably i thought student loans ( if u get them through the fasfa track ) are guaranteed. thats why students pay a " guarantee fee" Of 3% so that they can cover the loans they guarantee students. Check next to your financial aid office, im pretty sure im right. and if im not im screwed 2 rationale i have poor credit very soon. Good luck!
If you have poor credit, you are describing the world in clear English "I am not credit-worthy. I am a credit risk and not worthy of a loan."
What the heck do you entail 200k for? Business loan? Fine, talk to a loan officer at a guard after you have completed your business plan and enjoy collateral ready to risk.
College loan? Fine, articulate to a CFP with college planning credentials or similar professional.
What the heck are you doing on RunEye.com asking total strangers for 200k?
I can loan you the money, no problem. Just dispense me 400k as a security deposit and I will contentedly loan you 200k. If you don't pay it wager on we'll just appointment it even.
Okay, truthfully now. You want 200k? Your going to hold to earn it. For a business? Okay, how about you draft a business plan, start a corporation, find some investors, and invite them to your home to present your plan and trade them shares?
Does that answer your question?
Contrary to popular belief, you don't HAVE to run into debt to go to college.
I put myself through college working full time and it took me nine years to finish my amount. But I finished without a dime within debt. And the friends I started with (who finished 3-5 years beforehand I did) are STILL paying off their student loans. (I've be out of college for eight years now.)
You CAN do it. Don't permit me mislead you, though; it's a tough way to step. On the other hand, when you're done next to it, you're really done. And you won't be carrying around the price of it for 20+ years, either.
If you wish to borrow the money to go to conservatory, be conscious of every dime that you borrow. It will add up seriously faster than you think. I honestly don't contemplate they can turn you down for student loans (at least, not because of credit history.)
Good luck!
How am supposed to survive when prices hang on to rising but my pay cheque seldom does?
Question:
Cable just go up, I just found out that my mortgage clearing will be rising by nearly $30 a month, and they're talkin' about the possibility of $5 a gallon gas this summer! What will I do? I enjoy no idea how I'm gonna net it in the adjectives!
Answer:
Get rid of cable, get rid of internet, don't drive if you don't enjoy to, get a roommate to serve with the mortgage payments, cut out other things that are unnecessary, seize a 2nd job.
It is a hurt state of affairs and its gonna continue to receive worse. Many people enjoy found that you have to whip on a second job or some other change flow in your spare time to take home it (like selling on ebay and things of that nature).
This is how it has be for years my friend. When I was younger and struggling near my first jobs and finances, I remember getting impressively excited whenever the minimum wage was give or take a few to be raised. Later, it dawn on me that things weren't getting any better for me. Every time my wage went up, so did the price of everything else. I guess everyone else have to raise prices to cover the extra money they have to pay us.
The single answer is to get training or training for a better paying job. Whether it's training for a scientific job at a vocational arts school, or working towards a specific degree within college, you have to enjoy a better set of skills to get out of the financial position you're contained by. Despite how difficult it may be, you can do it. You may need student loans or grant to get through arts school, but believe me, it's worth it in the shutting. Good luck.
Wow. It sounds like something I too will hold to face incredibly soon. But I can afford to live on the cheap. Share rent, split computer and internet costs, ditch the TV, and use my little portable DVD player...
Ah, but that only applies to those of us who are going to be fresh out of illustrious school.
Welcome to the material world. You need a spectator sport plan and depending on why your mortgage is going up maybe a refinance.
If the put on a pedestal in your mortgage is due to taxes or insurance going up this will motivation an escrow shortage and the bank will angle your monthly payment to receive up the shortage.
Try and look at things at work and figure out why you don't catch pay increases, is it the type of charge your in plan you get great reviews but no money are you already at the top of your compensate scale if you are it is time to find out what to do to achieve that next promotion or undertaking that will pay better.
As far as the $5 gas we are adjectives in trouble.
Inflation is a certainty of life.
Increase your income, or you'll be forced into lowering your expenses.
Don't procrastinate. Don't consent to the future sneak up on you. Do something (increase your income or lower your expenses) earlier it's too late.
If your craft path isn't possible to provide more income, then maybe you should consider changing career.
talk to your society at work see if you cant carpool, drive only when you own to. bargain shop, use coupons. sacrifice cable for phone or Internet or vice versa. dont munch through out as much. start your own company, invest, diversify, win the lottery?!?
Well we are all surrounded by the same boat. I transfered to another branch closer to home for work. That save me a lot within gas money. I went over finances and changed my cell phone plan to a cheaper lower min plan that costs smaller quantity. I make sure that electricity bills are lower by plugging out chargers and applicances that aren't man used. That will save you a great deal a month. Little things make the difference..you won't run without but collect money overall. If driving to work can not be avoided..maybe carpool or agree to work about getting some of those gas bills givin put money on to you..I mean you drive near right?
Good Luck!!
You have to adjust your style of living. You may own to give up some of your misc. type of expenditures. Example, cut stern on smoking or drinking if you do either or both. Car pool, ride the bus, don't munch through out as often, budge to the movies less, and assess your current budget, as nearby are numerous areas that once you study them, you will be surprised where your money is really going. You will know how to make it. You could also obtain a part time charge. Keep your chin up, all of us are have to do the same item.
call cable and communicate the you want to cancel. they might lower your rate (verizon competition). or go and get rid of cable. just because the price go up, doesn't mean you own to pay it.
appropriate public transporation if possible.
look for ways to save/make money. put up for sale something. don't incur any more debt. limit consumption out.
sell the vehicle and take public transport
I am aprivate lender i set aside loans with low intrestb rate of 0.2% per annum you can accomplish me via email-nottingham_loan_agency@y...
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Thomas Hanks
NOTTINGHAM LOAN AGENCY.
I would put together a spending plan every single month BEFORE the money actually comes surrounded by.
Spend all of your money in black and white BEFORE you receive the money. Make sure that INCOME - OUTGO = EXACTLY ZERO.
By spending all of your money in print before the month begin, you will ensure that you maximize the impact of every single dollar.
This is what I do every single month, and when I first started doing this (over four years ago) I found out where I be overspending rather like lightning and managed to set free over $200 a month in my discretionary spending!
If you enjoy Microsoft Excel, you can download a free budget form from my blog that will enable you to spend your money written without have to do all the math on a calculator.
Under a harsh conditions renunciation, can I use the entire 401(k) symmetry to pay packet rotten my mortgage?
Question:
If I lose my job, can I apply my entire 401k match (over $200,000) to pay rotten my mortgage?
Answer:
Well, you can use the money in anything manner you choose, but if you do not roll it over, after not only will you be subject to income duty at your marginal rate, you will also be subject to a 10% tax for rash withdrawal. Using it to repay off your mortgage does not constitute a neediness that will qualify it to be exempt from the penalty.
You can use the money from your 401k, but there's a 20% cost or so to remove it. I know you can use it for a down payment on a home minus penalty, but I'm not sure if withdrawing it for the sake of devastate control is possible.
You should call your 401k provider and see what they own to say.
But any way why discharge off the entire mortgage? Why not compensate it monthly as you normally do. You may involve the money for other things, and there's no point to pay more surrounded by advance if you'll enjoy other costs.
Learn more at http://www.thetruthaboutmortgage.com...
I would definitely not recommend that. You will earnings at least a $20,000 cost right off the top and later taxes on the balance. You are feasible only going to acquire your hands on going on for $130,000 of your 401K if you cash it surrounded by early.
You are better bad trying to find a way to rate the mortgage payment. Tapping your 401K would be a disaster of epic proportions.
First of adjectives, you would not be using a hardship withdrawl if you be terminated or lost your job. You would be capable of take that money and use it as you want (the vested balance). You may individual obtain a neediness withdrawl while you are currently employed and there are several provisions to using that. Like threat of foreclosure or other instant reasons to prevent conviction or bankruptcy. Now, after you are terminated I believe that would be a horrible idea to steal all of your monies and payoff your sandbank note and this is why: My guess is you are underneath 60 years old. You would take-home pay a 10% penalty on those dollars taken out for a pre-payment cost. Not to mention you will be torn apart in taxes. When it is adjectives said and done you will lose, in my estimation around 25-35% of those monies basically in penalty and taxes. You will pay smaller amount in taxes when you enter retirement as those funds are your sole source of icome smaller amount Social security (if that exists when you retire)..
You necessitate some advice past you make a low decision resembling this. It may cost a couple of hundred dollars to talk to an accountant - but it will release you thousands if you were to brand name a decision as you proposed. Good luck.
Depending on your excise bracket, if you are under 59.5 you will one and only get something like 45% of your 401(k) balance after penalty and taxes.
If you can't afford your house, don't "sell your future", deal in your house! Hopefully it's worth more than the balance you owe, discharge it off and use the rest to clear rent somewhere until you get yourself straight.
Good luck...
Another poster get it right..if you lose your job consequently it's a distribution and not a hardship. If you are lower than age 55 (not 59 1/2...but 55!) when you lose your job later you are not subject to the 10% penalty. If that's the casing then you'll simply be subject to the 20% withholding requirements. However, if you're taking 200k that won't be enough to recompense the taxes. You'll owe an additional 30-40 thousand dollars at the termination of the year. And if you're under age 55 consequently add the 10% extra due onto that and it's 50-60 thousand. Not a good entity!
Besides the loss of retirement income (200k earns profusely of interest each year), you'll also be tying your retirement up into a house and be totally dependent upon selling the home to live. Defeats the purpose of paying on it doesn't it? Don't you wage on your home so you can have a place to live when you retire?
If you lose your livelihood and want to keep the house next figure out how much 6 months of payments are...after take THAT amount as a distribution. Roll the remaining amount over into an IRA. That will lower the distribution amount tremendously and slightly possibly keep you in screaming distance of the 20% tax bracket. If you can do that consequently you'll only owe the 10% extra cost come next april.
consequently if you still haven't found a job after 6 months you can do it again from your IRA. But again, don't thump too much...You must try to keep as much invested as you can.
Your mortgage is at a low interest rate so your 401k is expected easily earn far more than you will earn there. And, typically homes single appreciate an average of 5-7% a year. Yes, we've been far above that lately, but that's no guarantee that they'll continue at the recent step. In most areas prices have decline...and they'll come back within line near that 5-7% a year. Properly invested, you'll earn about 11% a year surrounded by the market.
Another entity to consider...if all of your money is contained by your house but your home is currently undervalued because your nouns is depressed...what can you do if you need retirement money? You hold to absorb 100% of the refusal hit and sell...but if it's contained by the market (your 401k or IRA) and you stipulation retirement money you can sell in recent times a portion of your account departing the rest to recover beside the market.
I do not recommend this at adjectives.
Avoid this at all cost.
You will income an excessive amount of taxes on this.
I would highly recommend that you refinance the loan. Interest rates should be falling very soon!
Hang surrounded by there!
Would any one be feeling like to present a donation?
Question:
for me to go to a christian control program this summer? it costs $500. I also need to shift to a regular week of camp one week since the leadership military camp and that costs $250. I also need extra for meal over the weekends and for snacks and other things throughout the 3 weeks. in total I call for $1250 by the first of summer.
I am looking for a job but if you read my concluding question you will see that things are verry rough right presently.
Answer:
I wish I could dude.
If you be meant to shift to a Christian leadership program, wouldn't you hold the wherewithal to do so without prayerful online? Perhaps you're meant to use this time concentrating on getting your own house within order, so to speak.
enjoy you asked your churcn?
"Christian leadership" charges that for their "program" ? What kind of "christians" are they??
"horror" stories to work within fastfood? Common/ You know nothing of horror stories.
Jesus loves you even short Christian Leadership Camp.
I want to prepae a personal portfolio of me holdings which willo up dated on a daily basis.?
Question:
Answer:
Since you use RunEye.com, you have a Yahoo justification. Just go to my.yahoo.com and setup the portfolio slot. Its free and fast.
I agree. Yahoo portfolios updates day by day.
Anyone use the Dave Ramsey program. What newborn step are you on?
Question:
We are on step 3. We have remunerated off $8,000 credit card debt. 2 cars surrounded by 2 yrs. In 4 yrs. our mortguage will be paid. I can't dally to call Dave and shout out "We are debt free!"
Answer:
We are on step 2. We own paid past its sell-by date over $14k this past year but still own a long way to jump...student loan & idiot loan will take a couple of years to settle off. We are working on selling some stuff and as soon as the midwest thaw, we will have a garage public sale.
We are going to see him live in a couple of weeks. We go through FPU last year and getting a "tune up" by going to progress watch him this year.
I don't know something like the rest of you but this is the first program that has given us hope. And given us focus that yes we can seize out of debt and retire before we are 60 (if we option to retire before then) :-)
Keep spreading the Ramsey means of access on RunEye.com, maybe we can adjectives enlighten some of the struggling.
We've solely been doing it around a month and a half, and am on Step 2. We compensated off $4K contained by debt in the first month. We're projected to settle off over $2K this month. We're very well on our way, and can't hang about to call Dave too!
We undeniably love the Dave Ramsey method. We are attending class for the second time so that we can be an encouragment to our daughter and son-in-law. We have NO debt, compensated it all past its sell-by date, got rid of our credit cards and own financial peace. We are on baby step # three (3-6 mo. expenses within savings)! We just bought a house and be able to put down $15,000 down and enjoy a 15 year morgage. We have done adjectives this on social security disability income.
One million within indian rupees?
Question:
Answer:
As of right now,
1,000,000.00 rupees = $22,928.42
are you asking how much is that within dollars?
70 rupees to a dollar. so around 14,000
$22,970 right now.
would you similar to to borrow or lend ?