focus on business faqs and small business

Liberals: are you so cold-hearted toward the poor and middle class that you don’t want to fire Obama’s dumb *** and let someone else try who has had phenomenal success in the business world?
(Or would you rather just do as you’re told and lie about Romney’s record to cover for the dysmal failures of Obama?)

I’ve been getting harassed by these people, who are trying to collect a debt from the wrong person. I’ve tried to tell them that they have the wrong person because they place that the person is supposedly living, I’ve never lived there in my life. Plus, they have the wrong last name. I told them that, but they just yell, get rude, or continuously hang up on me. I’ve talked to about five different people, who would give me no information. They would just yell and hang up saying I’m just trying to get out of paying a bill. I think they are trying to scam me, just by the way they sound and they won’t give any info. I asked where their office is located, they refused to answer and got hostile. Their so called business is called “Professional Services.” What can I do to get them to leave me alone and I would also like to report them to the BBB, but I don’t have an address for them. What should I do? Has anyone heard of this so called agency or gotten calls from them? The names I’ve gotten are Mr. Carter, Mr. Stephens, Mr. Collins, and Mr. Jones. They were all rude and yelled on the phone. What can I do about this agency?

Look at the all the “anti-discrimination” and “hate speech” laws that they are forcing on private businesses.

I have been doing pretty well for a while…been on ectioplasm/lexapro, but I have to say, I still become suicidal and very anxieous and stressed…I’m having a hard time in these last few weeks keeping it together, I wake up in the morning to go to university, but thinking of the way to get there, with all those stupid business people on the trains giving me stupid looks and people at university being so stuck up, I feel horrible and stay at home and cry myself out…
I’m more and more afraid of social situations as I make loads of jokes and talk loudly and I say random and weird things that sometimes makes people uncomfortable…and I feel so guilty I wish I would literally die…
I’m so unhappy if I could just get through a day without thinking these thoughts on the train or on the way to university…
I’m so stressed, I had such a nightmare, that I actually bit my boyfriend in his back in real life while he was sleeping next to me…
I don’t know what to do anymore, I tell my family I need help, then they say I should leave the country and come back to them, but that would be so much worse! And when I try to get help here, I always can’t find the right medication to help me…
I’m so frustrated inside and feel so helpless with everything, I was taking a hot bath and let hot water run over my foot so it hurts so badly because physical pain seemed to do it better…
what can I do to calm down and let my tutors and lecturers know what I’m going through?
Please please be kind and don’t give me offensive answers or “get a grip” blablabla…depression is a disease and you wouldn’t tell a cancer patient to “get a grip”. I’m coping pretty well compared to other sufferers so all I want is some respect.

hello all,
anyone who is in the business of photography can or probably has been able to relate to the problem I am experiencing at hand……not sure how to price my photos, or my packages…
right now i am charging $75.00 as a session fee which is due opon booking an appt. it covers time spent at the shoot, any props used, location, time spent editing, and all shipping.handling and tax fees….
my packages are a) or b) basically and they include a ton of photos ranging from wallet size to 11×14′s and a) is $120 and b) is $135….it incldues so many photos and i do a realllly good job so i know i am under charging….
i also charge $150 for the dvd with all edited images seperate, or $75 when added to a package,,
any tips?
also) problem @ hand @ the moment…i have a difficult custoemr who is knit picky and just being super annoying although her photo shoot was free because she won a contest and also she said it would only be of her boys ubt then had me take family portraits etc…..
well, she wants to book a cake smash for her 1 yr old son and i told her the session fee would cover the above listed as well as the cake itself and now she also wants to do some photos of him holding up the letters O-N-E at the same session….id have to go out and buy those props and this should be considered an addition to the session so how much more should i charge, it certainly wont be free?

hello all,
anyone who is in the business of photography can or probably has been able to relate to the problem I am experiencing at hand……not sure how to price my photos, or my packages…
right now i am charging $75.00 as a session fee which is due opon booking an appt. it covers time spent at the shoot, any props used, location, time spent editing, and all shipping.handling and tax fees….
my packages are a) or b) basically and they include a ton of photos ranging from wallet size to 11×14′s and a) is $120 and b) is $135….it incldues so many photos and i do a realllly good job so i know i am under charging….
i also charge $150 for the dvd with all edited images seperate, or $75 when added to a package,,
any tips?
also) problem @ hand @ the moment…i have a difficult custoemr who is knit picky and just being super annoying although her photo shoot was free because she won a contest and also she said it would only be of her boys ubt then had me take family portraits etc…..
well, she wants to book a cake smash for her 1 yr old son and i told her the session fee would cover the above listed as well as the cake itself and now she also wants to do some photos of him holding up the letters O-N-E at the same session….id have to go out and buy those props and this should be considered an addition to the session so how much more should i charge, it certainly wont be free?

I’m planning to take up a Business course, and I’m deciding between two schools: San Beda College or University of Asia and the Pacific.
Based on my research, UA&P is a good school, not as good as the big 3 in the Philippines, but good.. especially when it comes to business courses. I have no problems with the tuition, we can afford it, but my concerns are 1. Is it worth it? The expensive tuition fee.. will it really give me better opportunities than other less expensive schools? 2. the mortality rate. I’m not really intellectually inclined, so I’m worried that I may pass the entrance exam, but not pass the cut off at the end of the year (or worse, on the 2nd or 3rd year) and all of the money and time spent will go down the drain and I have to start from scratch all over again.
My first choice is actually San Beda College. I think it’s a pretty great school (my opinion) and it isn’t as hard, doesn’t give as much pressure, and relatively cheaper than UA&P. What I’m worried about is its reputation to other people, to other companies and the corporate world. I think this is the most bashed school, I don’t know why. I’ve read on many sites that San Beda is now a diploma mill. So I don’t know if that’ll affect my chances in the corporate world.
What do you think? What would be a better choice?
PS: these are my only choices. thanks.

hello all,
anyone who is in the business of photography can or probably has been able to relate to the problem I am experiencing at hand……not sure how to price my photos, or my packages…
right now i am charging $75.00 as a session fee which is due opon booking an appt. it covers time spent at the shoot, any props used, location, time spent editing, and all shipping.handling and tax fees….
my packages are a) or b) basically and they include a ton of photos ranging from wallet size to 11×14′s and a) is $120 and b) is $135….it incldues so many photos and i do a realllly good job so i know i am under charging….
i also charge $150 for the dvd with all edited images seperate, or $75 when added to a package,,
any tips?
also) problem @ hand @ the moment…i have a difficult custoemr who is knit picky and just being super annoying although her photo shoot was free because she won a contest and also she said it would only be of her boys ubt then had me take family portraits etc…..
well, she wants to book a cake smash for her 1 yr old son and i told her the session fee would cover the above listed as well as the cake itself and now she also wants to do some photos of him holding up the letters O-N-E at the same session….id have to go out and buy those props and this should be considered an addition to the session so how much more should i charge, it certainly wont be free?

So my husbands gets his kids that he has with his “ex” every other weekend and sometimes we may randomly pick them up if we are going to the park (with our boys) or to get ice cream, etc. Well let me just add in a important detail…..we have had SO MANY issues with his ex, on not letting us see the kids, or having such hatred for me that she takes it out on my husband and their children and with holds his visitation, etc. ANYWAY…she is VERY up and down and most recently she has been “getting along” with me and really trying to befriend me. WELL we just went and got their kids the other day for a bit and when returned them, she decides to call my husband later practically crying, saying she cant do this!!! Everytime their oldest daughter comes home from being with us the mother is saying she has a horrible attitude and she just cannot deal with this. (In my mind this demented chic is trying to desperately get attention from my husband) Im thinking well sweetie, that’s YOUR household, you deal with your daughter THERE and we will deal with her HERE when she is with us! The next day she is texting my husband “thank you so much for talking to “c” she is behaving much better now” and my husband replies “no problem, you can call anytime” – Im thinking ummmm NO she cannot! To top it off, the little girl is the SWEETEST little thing EVER! I don’t see how her mom is saying she is a brat! I think it’s a ploy to get my husband to feel bad for her. ANYWAY where do we draw the line when dealing with the girls’ mom? I think my husband should keep it strictly like a business matter, no funny stuff, no counseling sessions, it is what it is and another thing, she was NEVER even my husbands wife OR gf, she was a random fling he was messing with on and off before we got married, when we were just starting to date, when we were in our teens, yet she tries to make herself so relevant!

written in third person- if a husband and wife is like this-
The husband is nice looking and extremely wealthy but he is very superficial and he cheats.He works in a job which has him out of home most of the time so it can sometimes be 3 weeks full absence.
He has cheated on his wife before and after marriage every year and was universal known as a jerk who did drugs but she didn’t care ( overdosed,stopped breathing, she called the amb) and she knew about it..People say that he is like, someone who, when loves, loves hard or when he likes something he makes sure he gets it.
What amazes me is that his wife has no problems.She has girls night out frequently
And she takes a lot of photos with her friends where she goes.be it a car ,a staircase or a beach.She is mostly out of home without her child, taking photos with her large group of female friends drinking wine and giving weird poses to the camera like making fish faces or giving a flying kiss.
He openly sexually embarrassed his mistress after she cheated on him last year and yet his wife had no effect whatsoever.But i have noticed a few strange things about his wife and him that they never touch each other physically for photos except if are asked to give a couple shot.
She ll hold herself by the arms, he puts his hands in the pocket while they both hold other men/women by the arm or waist.When i took their pic with their child at her 3rd b’ day he held his daughter by the arms and she didn’t touch either of them.
And when were were at the swimming pool, her husband was busy with his daughter (mostly he is taking hr to zoo, shopping school,shes out of the picture most of the times) and she just vanished from there.Nobody was talking to anyone.
But she always goes to vacations with him, restaurants, watch him perform when he is at hometown and to his official parties except this year he went alone.
We went to see him perform last year and when he was approaching the bleachers( to pick some some tools) ,where she was standing,she quickly moved away ,almost coming behind me, seeing him come near her though he was away from her.When he went away she returned and clapped!
shes doing this makeup business now,doing makeup for her friends.She told me that her husband wanted a child as quick as possible after marriage and had picked up their child’s name.
They act as a perfect family through twitter, the guy kisses her in crowds to show etc etc
She has plenty of Louis vuitton bags as well. And whenever she attended the celebrity parties she also wore really glittery silver gowns,with diamond bracelets, rings and earrings with her hair done in curls r straightened when nobody even looked at her or was interested to see her as it was her husband’s official party so the focus was on him.
Some call her gold digger, some call her doormat and some admire her for staying with him
opinions??