Home Insurance – ABI Warns Against Flood Plain Development …
The Association of British Insurers (ABI) believes government proposals to boost the country’s housing stock significantly are inherently flawed. Where southern England is intersected by major rivers, the surrounding land is prone to … read more…
Affordable Life Insurance. Do You Know You Can Pay Less …
02-26-2009; Cheap Home Insurance Deal… Know About Mobile Home Insurance Rates 02-26-2009; Affordable Auto Insurance. You Can Be Covered Affordably 02-25-2009; Get Important Information About Low Cost Health Insurance … read more…
Car Insurance News and Quotes: Reduce Auto Insurance Rates
You can even eget returns on the extra dollars instead of just pay an insurance company. Find multi-policy discounts. Most companies will reward their clients for giving them all of their business. Buying car and homeowners insurance, … read more…
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6 Things You Should NEVER Do With Your Cell Phone
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Underwriting and Issuing a Life Insurance Policy
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From GoArticles.com
Open Question: Is this fair pay for watching 2 kids?
I’ll try to make this short. I have 2 younger brothers, ages 7 and 3 from my mom and my step dad. I’m 25 and I have 2 kids of my own with my fiance and we live on our own. The money I’m paid to watch my brothers is my only income (aside from what my fiance makes at his job). My mom and step dad pay me $50 a day for an 11 hour day. My 7 year old brother is at school 7 hours out of the day so I have just one of them for 7 hours and both for the other 4 hours. Do you think $50 a day is fair pay? Keep in mind..day care centers and in home day care providers can charge that little because they watch a handful of kids and get paid for each child. For me, the $50 is all I get total because I do not watch other kids. I watch them about 3 days a week so I make about $600 a month and after I pay my car insurance and phone bill, I’m left with only $480 to last me a month (I’m only paid once a month). If you take $50 a day divided by 11 hours, that’s only $4.54 an hour for 2 kids. The going rate for watching just one child is usually more than that! So my question is, do you think that is fair pay? I’m finding it hard to make ends meet with these economic times on my income. Don’t get me wrong..my fiance does his best to provide for us, but I want to have money to pay my own cell bill and car insurance and to be able to pay for my own gas and my own clothes and things like that. Is it fair for me to ask for a raise or not? I was thinking about asking them to start paying me $5 an hour when I have just my 3 year old brother, and $7 an hour when I have both of them. That’s still WAY cheap compared to the going rate for most nannies/sitters.
I just thought I would add some details to your questions. I usually do provide all the food. I can either watch them at my house or go to my mom’s, but I usually have them come here (we live a block away from each other). And although they are my brothers, we still made an agreement that this would be my job so the fact that they’re my brothers doesn’t change the fact that this is my job and my income.
Open Question: I want to have kids, but have no insurance?
I have only a personal policy and it doesn’t cover pregnancy. My hubby is self employed and has no employees. I work for a company of 4 people, but 1 of them has severe health problems which would push group policy rates to extremes (over $1000/ mo). I don’t qualify for any government help because we make good money, but with all our investments, we don’t have enough cash to have a kid if something went wrong and the bills racked up. My hubby says I should get a job at a company with good insurance, but I make good money now and it is easy work and if I have kids, they will let me work from home. I don’t want to go into a high stress job just to get insurance. Poor people can have as many kids as they want and the taxpayers pay for it, but that isn’t an option for me. What can I do?
Open Question: Microeconomics Question?
Bob and Jane decide to open their own business selling ergonomically correct office furniture that Jane has designed. Assume they operate this business from leased office space near their home. Also assume that they lease their computer equipment and data base software. Their lease agreements are for 1 year.
The actual production of the furniture kits is subcontracted to various commercial factories as customer orders arrive and the unassembled kits are shipped via UPS to clients throughout the U.S. Their target market is small businesses including those run out of home offices.
They have so much faith in the potential of Jane’s designs that they quit corporate jobs in marketing and MIS administration (which jointly had earned them $300,000 per year), and sink $500,000 (.5 million) of their own funds into this venture at the start of their first year to place advertising in trade journals and on the internet. (Assume this $500,000 had previously been invested in a diversified portfolio that had been averaging a 10% annual before tax rate of return.) At the end of the year they calculated that they had the following costs and revenues.
Total Revenues: $6.0 million
Costs:
Payments to furniture subcontractors $4.0 million
Shipping Costs .1 million
Lease Payments on Office Space and Computer
Equipment &Software $ .5 million
Overhead Expenses: Insurance, utilities etc. $ .1 million
Advertising on Internet & Magazines
(Purchased at start of year) $ .5 million
Additional Sales Expenses (phones, business travel, $ .2 million
Entertaining clients etc.)
Total Listed Costs = $ 5.4 million
a) What were Bob & Jane’s fixed costs during their first year of operation ? Explain your answer.
b) Bob and Jane brag to their friends that their business earned a profit of $600,000 in its first year. Would an economist agree? Explain, and if not identify their economic profit level.
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