what’s wrong with my computer!?

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Today my computer got attacked by viruses all of a sudden. I tried cleaning some of them up, but after i did this my computer blocked virtually every website with a note saying : "This website has been reported to Microsoft for containing threats that might steal personal or financial information from your computer". Then it prompts me to buy an anti virus program for 55 bucks! There’s no option to tell them i do not want to buy this so it keeps popping up! I don’t want to buy their program because my dad works at UC Davis and he got their antivirus program on my laptop.

What’s wrong with my computer?

The thing telling you to buy the virus protection is a virus itself. If you can, download Malwarebytes. That should fix your problems. And its free btw.

$71,500 lawsuit settlement: I know I need financial advice, but do I need a financial advisor?

On my eighteenth birthday, which is in just over a month, I come into the first $20,000 (US) of a lawsuit settlement. I am going to be in school, but I have $4,000 in grants (that covers all my tuition) and $12,000 in subsidized loans (no interest at all while I’m in school) for next year.

I come into the rest of the lawsuit settlement, $51,500, right about as I’ll be finishing school, on my 21st birthday. I’d like to invest as much of this money as possible, in somewhat low-risk places. Since my loans are all no-interest while I’m in school, I figure I’m better off waiting to pay them off while my settlement money grows.

I’ve already registered with two financial advisory groups (the Respond Financial Planning Services Team and the National Association of Personal Financial Advisors [NAPFA]), which send all your information to financial advisors. Unfortunately, most financial advisors require a minimum portfolio of $100,000 (or they only do taxes, or they only work on retirement portfolios…).

So my question is two-fold.

(1) Do you have any advice for me? How should I invest that money?

(2) If you think it’d be good for me to talk to a financial planner, how do I find one who will accept someone with as small an amount as I have to invest? Are there any books I should read?

Thanks.

Your situation is unique. Your school tuition appears to be under control. Your financial furture once you get out of school looks bright.

I reccommend you take the first installment of your settlement and invest it in a varied portfolio of domestic and overseas options. At your age, it would be best to look into low-risk investments that show a decent rate of return, usually CD’s. Get the longest term that you can. When it matures, drop the money into another CD. Keep doing that until you get the second installment, then look at stocks and bonds. If you handle your investments wisely, you’ll develop a nest egg for yourself that will see you through any storm.

Of course, it always helps to have a good financial planner to guide you through the unfamiliar landscape of investments. Talk to family members (chances are, they can reccommend someone that you can trust) and close friends. They will always be your best resource. the planner does charge for his services, so make sure you discuss that and get "the biggest bang for your buck".

Good luck in school and in the future!

How many of us Senior Citizens have learned to do our own money management?

Have you ever done it? Do you invest? Have you turned it all over to the kids to handle your affairs? Do you still have affairs?
Some bank credit cards now offer points for using the credit cards. If you pay off the credit card each month it costs you nothing and the points can be traded in for things like a Visa Gift Card, etc.

I manage our financial stuff on a day to day basis. My son is a chartered financial analyst and does investments for us but he is very conservative and I get reports very month from him. I just deposit money in a trade account and he will put the money where it does the most good with my permission and knowledge of where it is going..

This last year though, was pretty much a bummer for everyone. I didnt get as hurt as others did. This is how my son pays us back for college etc.

Now I gotta get my daughter through Physicians Assistant grad school and maybe get some free health care.

How much do major vehicle manufacturers spend on Safety in their budgets annually?

I would like to include this statistic in a paper if possible. I would need a citation for the paper.

The least they can to conform to National transportation Safety beureau current specs.Look up the NTSB web site .That may give you the facts you are lookin for.This addition is 1 day later on the news today they just said toyota is spending 1 million a day on vehicle safety.usatoday

what is imposed and participative budgeting?

may i know what does it means by imposed budgeting??
and what are the differences between communication flows in
participative
and imposed budgetary approeches.
thanks alot!

In an imposed budget management sets the amount that the dept has to work with. For instance the management allots $100.00 for the accounting dept. and states that $30. is for supplies, $60. is for wages, and $10. is for rent. The dept must work within those constraints. No input from dept heads are taken into consideration
In the case of participative budgets. The management will meet with the dept heads and get their input as to needs and distribution of funds. They have more say in how the money is distributed also, and it is flex able to some degree. The participative budget allows all depts to interact and help each other set realistic budgets and deadlines

What is the name of a popular personal finance software program?

Perosnal Finance software helps you balance your check book and manage your finances.

MSN Money and Quicken are always ranked the highest but they are labor intensive up front and require additional steps to keep it updated. If you’re looking for simplicity try mint.com but that lacks the ability to input your investments. It is secured using the same software many US banks use for firewalls.

How the Stock Market Works

http://www.incomeinvesthome.com/free/

Go there now for free report on 7 Reasons to Invest for Income — Now More Than Ever.

Put your money to work. This old but funny video explains basics of how companies go public and sell stock to investors. A basic primer of the capitalist system and how it is making our lives better. When we remember the basic purpose of the stock market, we can better understand why income investments are the best. Good companies use our initial capital to create goods that are in demand. Buying and selling feverishly is inefficient and not effective.

Duration : 0:9:13

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free personal Financial Planner software

in this video i’ll be explaining how my financial planner 1.0 works and how to use it to save and organize your income.

to download: http://sites.google.com/site/alhazzaaa/FinancialPlanner1.0.zip

The package contains two types of this software: 1- Mobile version: to be used on mobile phones to organize your daily expenses. 2- Computer version: which is designed to organize your weekly budget on monthly basis.

Contact me for any support matters.

Duration : 0:3:33

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CTT41: “Tax Strategies and Personal Financial Planning”

CTT41: “Tax Strategies and Personal Financial Planning” Seminar

Chinese Teatime

Duration : 0:3:29

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Self Directed Support with Personal Budgets (1/2)

See www.cumbria.gov.uk for more details

Duration : 0:7:26

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