Friday, June 14, 2013

How can I get a job in Puerto Rico?

How can I get a job in Puerto Rico?
I have been trying to get a job in Puerto Rico for a little while now. I plan to move there in the next few months and it would be great to have at least some leads. I speak some Spanish (6 yrs of classes) and I think I would be fluent within 6 months. My boyfriend lives there now in San Juan which is where we will live and he is puerto rican. I also have a bachelor's degree in International Relations which is political science and economics. I have applied to a lot of government jobs, but other than that I am at a loss. I only need to make about $1500 per month. Also, I have enough money to last me at least 2 months while I am there and was wondering if that will be enough time to find a job there? Even in Rincon? I don't mind working in a hotel or something. I'm just worried about the language barrier at first. Any thoughts?
Puerto Rico - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
To be honest, you might find some difficulty finding a job at first, don't worry about the language barrier after being surrounded by people who speak spanish 24/7 you'll deffinately catch on. As for jobs, I would visit the places you wish to apply to and have a one on one conversation with the company.
2 :
I would recommend applying at every hotel you'd be willing to travel to. Your english knowledge will help you a lot at a hotel job. Look in San Juan and Condado. Apply, apply and apply! Remember, the economy is really bad right now (very much so in Puerto Rico) and the hotels are one of the few places that might be hiring. The Gov't in PR just went through a massive lay off (of thousands) so I wouldn't count on a gov't job so much. Good Luck!
3 :
You'll find it a little difficult to get a job in the government right now since the governor is trying to reduce the quantity of goverment employees. And about the Rincon thing.... not a good idea if you are planning to live in San Juan. Try looking for work at the hotels, since your english will be a benefit.



Friday, June 7, 2013

With a 40,000/ year income how possible is it to afford a $400,000 home in 5 years?

With a 40,000/ year income how possible is it to afford a $400,000 home in 5 years?
I am going into the workforce, and want to make sure that I can afford a home in a couple of years...but I would love a dream home in san juan capistrano...is that possible with 40,000$ / annual income?? Also, how much should I start saving for a home....I'm knee deep in college debt, but I would love to invest in real estate instead of renting and wasting the money.
Personal Finance - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Put it all on red!
2 :
The general rule is 3 times your annual household income. 400K may be a bit much.
3 :
With only makin 40k a year a 400k home is a bit out of your league unless you have NO other bills. My husband makes more then 40k a year and can't afford a 400k home. I think you should start saving for a home and then start looking at less costly homes. Thats just my opinion based on you saying you already have debts. To know what you can afford go to a bank or morgage broker and have them run the numbers to see what you can afford.
4 :
Math is simple. If you save 25 % of 40,000 /year, you have 10,000 saved, per year. In five years, that is 50,000,, more than the 10 % down payment needed, for a 400,000 pruchase. You must also consider building up credit, so you can qualify to buy a home, and be prepared for up keep, utilites, etc. A 400,000 dollar home will have a payment of right at $ 4,000 a month. I am glad you see the wisdom of not throwing away money on rent. Also,,if you buy a house,, have job security. If you lose the job, and fail to make payments,,you also lose the house, and all you have invested into it. it is best to always have money set aside, in case of losing a job,, breaking a leg, etc. There are some kinds of disability insurance, I very highly recomend you consider. It is cheap, and if you get disabled, you still get paid. You might also consider having a room mate or two, ( carefully considered), to help with the costs, and the work around the house. ( introduce me to the cutest one!)
5 :
After tax you'll see less than $28,000 a year... I suggest you get a morgage.
6 :
I think $400K is a little out of your reach based on an annual income of $40K not to mention you've got to repay your college debt. I suggest you work towards cleaning up the college debt before deciding on buying a house.
7 :
You are not being sensible. In order to live like that you need a better job or more than one. Your house payment alone will be $2,000 a month with very good credit and lets face it if you are right out of college, you will not have any credit. Your house payment alone will cost you at least $24,000 a year, plus you will have college loan payments, car payment and car insurance, electric bills, cable and internet, food, and don't forget that out what little money you will make a month health insurance will be taken out of it.
8 :
If you want to be financially independent you need to never buy a home that is worth more than two years of your income. UNLESS of course you enjoy living paycheck to paycheck and sometimes wondering how the next bill will get paid since the last emergency took most of the money you had saved up. If you save all the $40K's for the next five years you will only have $2oo,ooo.oo If you put all this $2oo.ooo towards the home will you still be able to afford the payments on the remaining $2oo,ooo ??? Don't forget about upkeep, insurance, taxes, hidden fees & emergencies that all arrise with home ownership. Buying some real estate (multi family dwelling) so the renters basically PAY for it is a great idea, especially if you can live in one of the units. Do the math and NEVER buy a home that is big just because.... Make sure you have the size home YOU can handle in all aspects of ownership. Good Luck !! : )


Saturday, June 1, 2013

shouldnt the nba do something along the lines of this idea...?

shouldnt the nba do something along the lines of this idea...?
i think the nba should make 32 teams. each conference would have 16 and every team would make playoffs. it would be a 32 team tournament. best regular season records could verse the worse teams in their division or conference. so this means the nba would need 2 more teams. they could move up 2 d league teams. they could incorporate 2 teams from other leagues (the aba or the ibl- isiah thomas owns the rights to the defunct ibl). i also heard david stern had the idea to make the nba more international and compete against eurpoean teams. (he wanted to make some of them part of the nba). or maybe like they did with the bobcats they could just create 2 new teams. in all, having every team in playoff games would give the nba more revenue and the sucky teams would still have a chance for a championship. i think the should do this. also, since some cities/states cant support their teams (kings) or just dont want to (clippers- yes, they are superfluous), while other places could really use one (virignia has zero pro sports teams, kansas city should have an nba team, las vegas obviously wants a team after the 2007 all star game and they could support them), the teams should be moved around. ownership should be changed. the clippers gm is cheap and mismanages the clippers, especially for the future. they are not valued in los angeles, and california has 4 nba teams as is. toronto likes the raptors, but i think ever since the grizzlies moved to memphis that it is just plain dumb to have only one nba team in canada. they should have at least two or none. giving them 2 would make sense if david stern incorporates eurpoean teams so that it does become international (the nba stresses internationality, even though it is the NATIONAL basketball association). one lone team makes it singled out and an oddity. the nba should move raptors to somewhere else if they dont put another team in canada (namely vancouver, the fans are itching for a team) or europe. europe has plenty of teams to include, with good, high paid players. many american players go there to play, as if you didnt know. also, now that brooklyn is getting a basketball team (the nets) (jay-z), what happens to new jersey? im not even sure if the deal to move the nets is set in stone in the first place, but i heard theyre building a barclays stadium for the team in brooklyn and theyre set to play in the 2009 - 2010 season. so that gives us new jersey, las vegas, kansas city, virginia, and possibly vancouver (depending on where the raptors go) as possible candidates for getting nba teams and rounding it out to 32 teams. anaheim and seattle could get teams too. anaheim would seem like a good match to get the clippers, especially after taking the angels from them. damn i didnt think of peurto rico until now. if the nba wants to expand internationally they could look to make a team in san juan (peurto rico is a united states territory). the kings could go to las vegas. then 2 teams to either be created or incorporated as i stated above, that would go to one of the cities/states i mentioned a few lines above or to stay in europe or canada. so, what the hell do you think of my rambled idea? suggestions? agreements? YES, i know it seems like a good idea but that im an idiot to think its that easy. duh, it takes a looooooooooot of money to do these moves but it all starts with a proposal. so... damn... no ones gonna read all this... shoulda at least made paragraph indentations damn... no ones gonna read all this... shoulda at least made paragraph indentations im really not bg on writing. honestly this was a stream of consciousness for me and i didnt even realize how long it was until the end. lol @ third response calling it a college essay. that reminds me, i have a few of those to do... im really not bg on writing. honestly this was a stream of consciousness for me and i didnt even realize how long it was until the end. lol @ third response calling it a college essay. that reminds me, i have a few of those to do... im really not bg on writing. honestly this was a stream of consciousness for me and i didnt even realize how long it was until the end. lol @ third response calling it a college essay. that reminds me, i have a few of those to do... hah the first two people to answer are kobe fans. i didnt expect 8 or so responses at all, albeit 10 minutes after putting up the question. damn why does y!a add the details more than once. it looks cluttered. im really not bg on writing. honestly this was a stream of consciousness for me and i didnt even realize how long it was until the end. lol @ third response calling it a college essay. that reminds me, i have a few of those to do...
Basketball - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I really would read that if I had the patiencee.. sorrrry man
2 :
that was too much to read i have too say lol but it does sound like a good idea...good thinkin
3 :
Dude u have no life. That is a College Essay right there.
4 :
Damnnn did you really write that
5 :
why not..... almost everyone makes the playoffs now anyways
6 :
Woahh
7 :
umm my good friends how about a quick summary of that then ill let you know what i think. good job tho
8 :
What the hell are you writing a college paper for?
9 :
I agreee they should make more canadian nba teams.



Tuesday, May 28, 2013

Your opinion: Should Texas pass Arizona-type laws to thwart the alien menace?

Your opinion: Should Texas pass Arizona-type laws to thwart the alien menace?
Local open borders advocates sprang to action this month when lawmakers in Austin began to introduce legislation to consider in the coming year. Equal Voice Network, which consists of 10 social advocacy groups, is mobilizing to get local government, business and other entities to oppose state bills that they say are anti-immigrant, racist and harmful to the Rio Grande Valley. Several bills recently introduced in the Texas Legislature deal with immigration. One would make being in the U.S. illegally an act of criminal trespass. Some would require police to check the immigration status of people arrested or detained, like legislation implemented in Arizona. One would require public schools to keep track of alien children. Some would prohibit governments from using public money to print information in a language other than English. Others would deny state money to so-called sanctuary cities where immigration law is not fully enforced. “With the urgency that legislators immediately began introducing anti-immigrant bills, we realized we needed to act with urgency,” said Neha Singhal, coordinator of special programs for La Union del Pueblo Entero, a San Juan-based immigrant advocacy group that works with Equal Voice. LUPE and Equal Voice met Monday to begin forming a coalition to fight the bills. Some 35 to 40 people attended, representing business, agricultural, educational, social and governmental entities. The group intends to push organizations to draft resolutions opposing passage of select bills. In early January, it plans to have a rally on the steps of the Basilica of Our Lady of San Juan Del Valle-National Shrine, 400 N. Virgen de San Juan Blvd., San Juan. Members expect to be joined by several thousand volunteers as they then take the resolutions to the state capital while key bills are in committee. “In Austin, 2,000 people can match those guys’ lobbyists,” said Michael Seifert, coordinator of the Equal Voice Network, referring to the bills’ advocates. Equal Voice has identified 34 bills it regards as harmful or at least as cause for concern. Discussions are under way regarding which of them should be top targets for derailing. On Tuesday, the San Juan City Commission approved a resolution condemning legislation that would require law enforcement to question a person’s immigration status. Commissioner Armando Garza, who is also a member of Equal Voice, introduced the measure. He said a state senator and representative had contacted him to seek assistance in opposing the new bills. Alton, Brownsville, Cameron County and Hidalgo County have passed similar resolutions. Local advocates for immigrants said their concerns about the new bills extend beyond the sphere of social justice. They also fear the measures would hurt the Valley’s economy by harming business relations with Mexico. The issue is of crucial importance, and they are readying for a fight, they said.
Immigration - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I support any of these border states that are highly affected by illegal immigration in passing laws that would protect their citizens against illegal immigrants. And no, I have never, will never and don't know anyone that gives a damn what "LUPE", the Equal Voice Network, or any of these other anti-American racist open border groups think.
2 :
yes every state should.. and if they want to earn citizen ship they should file for it .. and have to work off a $20,000 fine for entering the country illegally and have work on getting a drivers license, SS#, and learn to speak english if they don't know it. so they can still pick strawberries, and fruit if they want .. there just have to pay taxes like everyone else.
3 :
Americans are being hurt by illegals in this country , are jobs are affected , are hard earned American money is being used for these illegals , they always accuse the police for mistreating them and they break any law they choose and get away with it , my question is how are Americans treated in Mexico ,NOT GOOD there are Americans that have invested in Mexico business and had there business taken away and told to get out with force and truck drivers that are Americans are help up sometimes for days while the Mexican border parol lets the Mexicans go right by , SO WHY NOT GIVE AMERICANS the saftey and rights to be safe and I say EQUAL RIGHTS FOR AMERICANS BY AMERICANS and any idiot that is American that supports Mexicans to have special rights and I mean special rights should also check out the Americans abused by these people in America and in Mexico .
4 :
I say all states across the nation should pass like laws to Arizona's. Leaving the illegals with no place to go except back to their own countries. At least Canada has the balls to have all their constables inquiring about peoples legal status in their country. If they can't provide legal documents, they are deported. Something this country should learn from.
5 :
Texas, and every other state should pass these laws - if our Federal Government will not uphold the laws of the United States, it is up to the individual states to step in where the Federal Government has failed. Calling these measures "anti-immigration" and "racist" has been proven over and over again to be ignorant, inflammatory propaganda meant further these illegal and harmful agendas. America had better wake up and get smart, or we will soon be just another 3rd world country with internal wars and local dictators, just like Mexico - only we will have some very powerful enemies who want nothing more than to simply kill Americans.



Tuesday, May 14, 2013

work 13-14 year old.?

work 13-14 year old.?
ok so i live in san juan capistrano/dana point in california. i really need a job but im 13. i turn 14 in like 2 months. can i get a work permit and lets say im still 13 and i find a job that accepts 14 yr olds with work permits could i still be accepted if u have any better ideas that allow me to make money please tell me. dont say babysitting or mowing lawns please and thank you. =)
Other - News & Events - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You have to be 14 at the time of hire. You will need a work permit that you can get from the school. Most cities have a lot of summer jobs for teens. Good Luck.
2 :
Here is more info on work permits: California law requires any student under the age of 18 to obtain a work permit. The hours a student may work vary according to age. 15 years and under: When school is not in session, they may work no more than 8 hours on any day and 40 hours a week maximum. Link: http://capousd.ca.schoolloop.com/cms/page_view?d=x&piid=&vpid=1233496943130
3 :
This is what I do. www.cash crate.com/1290641 Take the space out between cash and crate.It gets blocked out for some reason. Anyone know if its slang or somehting? `^^ Im 14.This is something iv been doing for about 3 mounths.Its ligit.It gets a good $75 a mounth(only because I dont do it mch).Considering all I ever get is couch change I realy like this =D Fell free to message me through their site if you need help. It is an online thing so you dont have to worry about transportation or being robed at the store XD I hope this helps.Good luck. =) AND ASK YOUR PARENTS BEFORE YOU START!!! You could clean.I know some people will pay alot to have people do their dirty work for them lol. Hope you find something. Also use my blog for help http://batheinmoonlight.blogspot.com/ I <3 MONEY!!!




Tuesday, May 7, 2013

Cruise Questions... How much money should I bring, clothes, etc?

Cruise Questions... How much money should I bring, clothes, etc?
Ok here goes a few questions... I have never been on a cruise before and want to make sure i'm prepared so that I can just have fun on the cruise and not have to worry about anything... I'm 21 and going on a 9 day Princess Cruise to the Eastern Caribbean (Grand Turk, San Juan, St.Thomas and Bermuda.) I would like to know how much money I should expect to spend on and off the ship so I can have enough on my debit card and not worry about overdrawing my account. I do plan to drink a decent bit (and go to Margaritaville) and do some of the more expensive shore excursions such as Snuba diving. Also, if anyone knows from experience is there better snorkeling in San Juan or Bermuda? I'm also a horrible packer and try to bring everything I own on vacation which i'm sure won't fly on a cruise, so what should I pack? And is there anything else you would suggest I bring, do or just generally should know? Thanks!
Cruise Travel - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If you can get to Trunk bay in St Thomas, that is the place to snorkel. Money wise, I would figure at least $1,000 for drinking, extras, tips, and a few shore excursions. That is per person. For this cruise(I have been on a similar cruise with Princess), bring only summer clothes like sandals, shorts, t shirts and tank tops, swim wear, flip flops, a hat and plenty of sun screen. For dinner wear sun dresses or cool slacks. Bring 1 pair of walking shoes too. Oh, be sure to call your bank to let them know you will be out of the USA. That way your debt card will not send up a bunch of red flags to the bank. p.s., Margaritaville is a lot of fun and they have neat souvenirs.
2 :
I hear you need at least $100 a day when cruising, so I would say $900. You don't have to spend it all, but with tips, light gambling, alcohol, shopping, excursions etc. I think that would be a good starting number. I'm sure it would be easy to go way over that if you are not careful, but also very possible to stay well under it if you are.
3 :
There is a saying.... Layout everything you've packed (including money) out on your bed. Leave half your stuff and take twice the money. Most people over pack. Also, I don't remember Princess having a baggage limit, I mean they aren't as strict as airlines, Just pack one large suitcase and a carry-on and of course extra bags for souvenirs.
4 :
For me personally I bring next to no day clothing. I already know I'm going to be in a bathing suit every day so I bring several bathing suits and coverups. I bring usually one tshirt in case I get sunburned. You are expected to be covered inside the ship. I absolutely love the stretchy top sundress/ coverups right now. I have several of them. I also have a terry cloth halter dress. That is seriously all my day wear. If you are a gym rat, carry a pair of shorts and tennis shoes to work out in. For night time, lay out your stuff ahead of time. One dress for every night, a couple formal. Perhaps one replacement dress, in case you don't like that choice that night or need a dress with a bit more room in the waist. So 10 outfits for dinner. If you lay it all out at one time you are less likely to overpack. Shore excursions range all over the board but I've discovered a good budget is $100 per shore excursion. Snuba is right about that as well. My husband LOVED snuba! It was his favorite excursion. If you do a hike in the rain forest in PR, bring a ziplock bag. Our clothing smelled so bad after that. We left it out on the deck to dry but wow--it reeked. I had to wash my shirt 3 times before I could wear it again. You won't want that going back in your luggage. Now on to money. So plan on roughly $100 per person for the hotel tips that are automatically added to your credit card. They charge you per pay and on my last cruise it was $11 per day. $100 per shore excursion per person. I probably wouldn't do a shore excursion at St Thomas b/c that's where all your shopping will be and it's got so much to do right at the port. Walking through Charlotte Amalie is amazing. I usually buy some jewelry down there since it's so cheap but it really depends on what you are planning to buy. My husband and I usually spend about $100 on liquor to bring back--especially Cruzan rum which is one of our favorites. It's hard to guess how much you will buy at each port but St Thomas will be the place you'll shop. The only place to shop at Grand Turks is Margaritaville. Then alcohol. Cruise ships usually mix some strong drinks. They offer drink specials too that can often help you out by saving several bucks. On Carnival, the drink special is about $2 off if you bring your souvenir glass around. I usually drink about 2 drinks a day and my husband and I get a bottle of wine at dinner. On a 7 day, that's roughly a $400 bill. So for you by yourself, I would think if you set aside $200-300 you'd be fine. If you own snorkel gear, I'd pack your own snorkel gear. Also pack your own aloe vera and if you get motion sick, medicine. They have it on ship but the markup is outrageous. For going snorkeling/snuba, get a water camera from the drug store before you leave. But really if you want some great pictures check out this bag. http://cgi.ebay.com/DiCAPac-Camera-Water-Dust-Snow-Proof-Case-UV-Bag-WP510_W0QQitemZ180360733473QQcmdZViewItemQQptZLH_DefaultDomain_0?hash=item29fe566321&_trksid=p3286.c0.m14&_trkparms=72%3A1205|66%3A2|65%3A12|39%3A1|240%3A1318|301%3A1|293%3A1|294%3A50 My husband got one of these and it worked great. No water got into the camera at all and that way we were able to get some good clear pictures no the kinda blue tinged pictures the underwater cameras tend to give you. So I'd say you can do it on $800 for the 9 days. That gives you 100 for tips, 300 for shore excursions, 100 for shopping and 300 alcohol budget. You may want to allow yourself an extra 100 for the spa and if you want to buy jewelry, 100 for shopping won't be enough. Though since you already know you want to go to Margaritaville you could save money but not doing a shore excursion there. We just got off our last cruise in April and went to Grand Turks. Wasting the day in Margaritaville was what made Grand Turks one of my favorite stops. Margaritaville was awesome.



Wednesday, May 1, 2013

How to make it look like we bought this xbox new?

How to make it look like we bought this xbox new?
We are giving my friend an 360 for his bday (bc they took me to san juan) but we bought it off craigslist to save money how can we make it look new in the box
Xbox - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
The truth is that you can make it look new but it won't function like it's new. What I mean is that when you first turn on an Xbox 360 there is a video that automatically plays that shows you how it works and stuff. You cannot reset a hard drive to it's factory settings so, if he catches that, the whole faking like it's new thing will be ruined. As for making it look new, you really can't make it look new if you don't have the inside packaging in tact meaning that you need all the little plastic bags that everything came with. Good luck and that's an awesome birthday gift!
2 :
an xbox is an xbox I wouldn't care if mine didn't look new as long as it works I'm sure they will love it.
3 :
Just put it in a box, and wrap it. It's a gift, who cares where you got it? Who cares what it looks like? If it works, it's a good gift. The fact that it's not brand new and in the box doesn't make it a bad gift--it would be a bad gift if the recipient discovered you were trying to mislead them. ~Scottie