"A few people are now more concerned regarding their privacy after discovering about efforts made by governments to spy on their communications."
Instead, we have the same company with the same problems just waiting for the same conditions to happen again. One that screwed some minor unions and dealers that didn't have political backing in the process that no one seems to care about and the media doesn't seem to want to point out.
Why is it that the banks were able to pay back their infusion of cash, but not GM??? Because it's not the economic powerhouse we have all been mislead to believe it is. The 'what if' story is spread as if it is the truth, when in fact it's just what someone wants us to believe to make themselves look good.
I will never buy a GM car again. Thousands of Americans feel the same way. I'm sure at some point our memories will fade, but Toyota, Honda, and Ford all offer fine US made cars so it's going to take a long time.
If someone has some money they want to waste on a device that only has one purpose, I won't argue with them stimulating the economy. But really
Now let's see
My take on it is that someone like me that works at a regular job (i.e. no contract work), doesn't have a lot of complex tax situations like real estate purchases and sales or a home business, shouldn't have to spend the extra money for an accountant to do my taxes. My taxes basically don't change year-to-year because my life rarely changes much.
But neither your anecdotal story nor mine is any real reason for someone else. Everyone is different.
But, more on topic, I never use online software, don't trust it. Not one bit.
1. A debit card that is used mostly at the ATM, but sometimes for small purchases. If I didn't need it for ATM access I would get rid of it because debit cards have very poor protection from fraud and mistakes. We were once double charged for groceries and it took almost a week to get $200 back. I don't use it for any large purchases anymore. Or shop at that store.
2. Amex because I think they have the best fraud division and customer service in my opinion. I also get points and use it for some of my monthly bills. Regardless, it's the one I use most often and has an absurd credit limit in my mind, one that I should never need. But it's good to know it's there if I need it. It gets paid off every month, although I don't have to. I have often considered getting rid of the rest except my debit card because I don't really need them
3. One Visa card because the account is 20 years old; long standing accounts improve credit scores. I use it once in a while just to keep it active. It has the highest interest rate and a pretty good limit. It gets paid off every month.
4. Two Mastercard cards because they have very low interest rates that I use whenever I buy something that might take a few months to pay off. The limits are pretty good, but lower than the other two above.
5. Cards for Lowes and Home Depot, because they both offer 'x months same as cash'. I use them for things around the house that are expensive that I can budget and pay off in the next 3-6 months. And I never pay any interest charges because I always pay them off on time.
6. A card for my FSA that I use to charge medical expenses to. No interest rate, and I get a tax break.
7. Four gas cards, because I like to use them to get gas. They have small credit limits and get paid off every month. I have four because that means that wherever I go in the US, the odds are that there will be one of those gas stations. Reduces fraud since the limits are very low and can only be used at limited places, and not online. I also play a game where I don't use a card the last two weeks of it's billing cycle. This lets me push off paying for gas a little bit more. Doesn't really save me any money, I just like to do it. It feels like I'm winning something.
I don't have any store credit cards, like Kohls or Macys, simply because I never buy anything there that I either pay cash for, or that I can't use my other cards for.
I keep all of the actual credit cards because it allows me to have a higher credit balance without impacting my credit score. Yet no single card, if stolen (other than the Amex) has that high a limit. Having $4000 outstanding on a $5000 card brings your score down less than having $5000 outstanding on several cards with a total limit over $15K. And if I'm hardly paying any interest on the $5000, because most of it is either paid off every month or on a 3-6 months same-as-cash incentive, why not??? Your credit score is based on how you handle credit, not whether or not you've ever been late. Keeping it as high as possible means lower rates on cars, houses, and credit cards. I usually qualify for the 0% rates on cars and most of my credit cards are in the sub-12% range. Which is irrelevant since I rarely pay interest anyway.
Just relating why someone might have lots of cards even if they pay them off every month. This may not work for many people, but I manage my money and it doesn't cause me any problems. If someone is willing to give me money for free (i.e. I don't have to pay to use it), why not take advantage of it if I can manage my ability to pay it back?
Why don't you run for office and try to make a difference instead of expecting other people to do it....
I sure wish there was a volume control so I could turn off all news items that even mention his name. Except the one where he is sent back to the US to face the consequences of his actions.
Just because someone isn't clever enough to think of any use doesn't mean there aren't any.
I haven't worn a watch in over 10 years because I don't like something on my wrist with only one function. When I did, I bought the slimmest watch I could find. At one point, I had a nice Seiko multi-function watch that was very slim and had a stop watch and alarm in addition to being just a watch. Still have it in my nightstand. I might reconsider once these become a bit less nerdish and slimmer. I'll never have google glass because it's too big and labels someone immediately to other people, often in non-complimentary ways. Incorporate something into my existing eye glasses that disappears and I'd reconsider.
The problem with electric cars will always be the range/refuel problem. While it's true around town traffic isn't too much of an issue, corridors like I10 and I8 between Phoenix/Tucson and the San Diego/LA need at least one central station between them for people to fill up.
The Nissan Leaf has a 24kWh electric battery that advertises 75miles range. That's IF you don't use the heater or A/C, which in Phoenix means the actual amount is much lower 6 months out of the year. But I'm not stopping every 75 miles for 30 minutes, I want to stop every 300 miles for 30 minutes. So we need to be able to pass almost 100KwH into the car in 30 minutes. I could probably do every 200 miles traveling to LA since it's less than 400 miles. And 200 miles would be acceptable for cross country trips, as my wife and I get older, driving 5 hours between stops isn't as tolerable as it used to be. And I'll bet that we spend 30 minutes at a stop, getting gas, using the restroom, looking at souvenirs.
So doing the math, we need to pump the equivalent of 64KwH in 30 minutes (assuming 24KwH/75 miles). That means the pipe going into the car needs to be able to pump 128KwH in an hour. Most homes have a 200amp service, which is about 44KwH. Each gas station needs to be able to be feed three times what a house is fed in order to charge 1 car in 30 minutes, or a 600amp service for each simultaneous recharge.
The Tesla, with it's 245 mile range, states that each 56 miles requires 16.8KwH to charge. The home charger requires a 90amp 240V circuit and draws 70amps for complete charging in 4 hours. That's 15.4KwH, so the math checks out above. It would require a 560amp service JUST to charge one Tesla in 30 minutes. I guess we will need to site each cross-country refueling station next to a power facility in order to keep the size of the transmission lines in check. Or they will also need huge batteries to store power sent off-hours. That $0.12/KwH is going to start to go up with that type of infrastructure.
Electric cars have a place, but they are not long-distance travel cars and never will be. And the last time I checked, there are no electric-powered jet aircraft. So fossil fuels will remain in place for a long time. We can reduce their use, but never eliminate them. I'm sure a world without fossil fuels is fine with the eco-nuts out there. But I'm not giving up my cross-country motorcycle trips because a few tree-huggers don't mind not doing it.
How about we just eliminate all deductions, keep a simple staggered income tax system (3-5 tiers), and just collect the taxes we need to run shit instead of creating jobs for people to just manage collecting taxes differently on thousands of things. Implement one national sales tax, and keep the income tax. We already pay taxes on gas and electricity, so keep the model rolling and just modify it accordingly.
There is nothing 'fair' about taxes. There are plenty of people who pay a lot less and use a lot more, there always will be. Get over it and just get on with the process of running things.
Simpler is often better
Require every car with a plug to use a special meter that collects tax on electricity differently, part of the cost of owning an electric car anyway is to be able to plug it in. Maybe even an RFID tag in the plug so the car can report where the 'fuel' was purchased so it can be audited/proven taxes are being collected. Someone can always cheat, but they get fined if they get caught. This way vehicles that get great mileage can continue to pay reduced rates to encourage using cars with low MPG (even though I don't think such a method works). Tax rates can then be set at both the federal and national level as desired.
Just because there's a lot of 'em doesn't mean they're all good.
Just because someone has a degree doesn't mean they are smart.
Just because someone doesn't have a degree doesn't mean they aren't smart.
Did you have a point???