sba debt schedule 2012-2020

Have certain weekly events scheduled on certain days. Wednesdays, I have a meeting with my support group at church. Every other Monday, I go out to dinner with my dad. Thursdays I go visit my dad. Have certain days free in case something comes up, but scheduling events on specific days that repeat- or even having certain days be activity days- is definitely an excellent method.

Here is a link that might help answer your question DS-160: Frequently Asked QuestionsFor more information on this and similar matters, please call me direct: 650.424.1902Email: heller@hellerimmigration.comHeller Immigration Law Group | Silicon Valley Immigration Attorneys

Thanks for the A2A! You have (at least) three options.1 - Declare bankruptcy. This is the nuclear option, because bankruptcy means a lot of people will hate you (and some will tell you with enthusiasm), the courts will run your financial life for months or years, you’ll have to confess this on every security-related form for the rest of your life (embarrassing), you’ll get to sell a lot of stuff you’d really rather keep (because it’s the court’s decision, not yours), and your credit score will be abysmal for up to 10 years. Also, other than the loss of a spouse or child, bankruptcy is the most stressful event you could experience.I recommend that you avoid bankruptcy if at all possible.2 - Die. Debt is not inherited, so if you die, your creditors will split whatever you own and call it a day. However, anyone who co-signed on your debt now steps into your debtor shoes, which is bad for them, and of course everyone who loves you (and a lot more people love you than you realize) will be very, very sad. You also would miss the incredible, extreme joy of making the last payment on your last loan, and screaming at the top of your lungs, “FREE AT LAST! I’M FREE AT LAST!!!”. I am smiling as I remember it. Don’t miss it!I recommend that you avoid death, too.3 - Make frighteningly massive payments to your creditors until your debts are repaid.Getting into debt is easy, because you are rewarded every time you overspend with more stuff. Getting out of debt is hard, because you send money away to creditors and get no new stuff in return. So you won’t just wander out of debt like you wandered into it - you need motivation! You need a plan! You need the support of your spouse or an accountability partner! But most of all, you need to develop a deep-seated hatred for debt! That’s motivational!I can’t provide the accountability partner or the hatred, but here’s a simple, guaranteed-or-your-money-back 4 step plan to get you out of debt as quickly as possible. It’s radical, it’s extreme, it will earn you weird looks from your friends - but that’s just a side benefit! :-)====================Four Steps to Debt Freedom====================List every debt that you have, how much you owe, and your minimum payment every month. This includes credit cards, medical debts, student loans, car loans, title loans, payday loans, gambling debts, back taxes, back child support and alimony, late utility bills, late rent or mortgage payments, your corner liquor store and bar tab, the money you borrowed from your mom and dad last year - every single debt.Check your credit report at Annual Credit Report.com - Home Page to see what debts you missed. If you see any debts there that you don’t actually owe, first contact the creditor directly with a copy of your proof of payment or other evidence that it’s not your debt. If you can’t find intelligent life there to correct the problem, you’ll unfortunately need legal advice, perhaps from a free legal clinic.Sort your list of debts by total amount owed, from smallest to largest. This is your battle plan to kill the debt. (Why not sort by interest rate? Because it makes little difference in how long it takes you to get out of debt - oh, go ahead and do the math if you like - but knocking off debts quickly, even small debts, is hugely motivational. You need the motivation, trust me.)You’ll make minimum payments on every debt on the list except the top one, and you’ll throw frighteningly massive payments at the top one and kill it fast. Once it’s gone, use its minimum payment along with your other income to attack and kill the next one. When the second one is gone, use the minimum payments from the first two along with your other income to attack the third debt. Keep repeating until you run out of debts, and you’re free! It will happen - trust me! So this is your plan. Now, time to execute it.Go get frighteningly massive payments to throw at the top debt on your list! a. First, spend as little as possible until your debts are gone - eat cheap foods such as ramen noodles, beans, rice, tuna, day old bread, etc. Not fast food - cheap food. Wear the clothes you own. Conserve utilities until you sound like your dad. Sleep for entertainment, perhaps in front of free TV - no cable or satellite! Carpool to work and make new friends. Cut your expenses until those new friends think you’re crazy - that’s the first sign that you’re on the right track! Kill the debt! Kill the debt! (Did I mention you need motivation to accomplish this?)b. Next, sell everything that you don’t need - toys, tools, cars, boats and other personal watercraft, everything that you don’t really need. Use eBay or Craig’s List, your local newspaper (if you still have one), or just an old fashioned garage sale. Throw every penny at your top debt. Earn a big enough pile of cash quickly, and you can lop the first several debts off of your list this month. You’re on your way!c. Now up your income - take on a lot of extra hours at work if you can, or get another couple of jobs if you can’t. Your life is all about work and earning money until the last debt is gone, so use that to keep yourself motivated. “I’m sick of working 14 hours a day - but as soon as that American Express debt at the bottom of my list is out of my life, I’m DONE!” Then go work another few hours while muttering about how much you hate Amex under your breath. You’ll be tired, but it’s only for a short time until you’re free. Get free sooner rather than later!If you’re reasonably handy with math, you can actually project your “Debt Freedom Day”. If so, circle that on your calendar. More motivation! What light through yonder tunnel breaks? It’s not a train, it’s sunrise on Debt Freedom Day!!!Also, celebrate (cheaply) every time you kill another debt. Splurge $1 on a Red Box video, and eat two packets of noodles! Or, make a giant poster (on real poster board) with your list, and splurge on the biggest red marker you can find. When you kill a debt, scratch through it until it freaking bleeds! One step closer to freedom!You may find it helpful to enlist the help of a debt-free (or soon-to-be debt-free) accountability / celebration partner. When you’re discouraged, call them for encouragement. When you scratch another debt off your list, call them and celebrate! If they are closer to debt freedom than you are, get another job and try to beat them to it.When you finally are free of debt, do a real celebration (with cash, not credit!!!). This is a major milestone, and it deserves some memorable ceremony. First, scream at the top of your lungs, “FREE AT LAST! I’M FREE AT LAST!!!” Feels good, no? Yes, yes it does. Now plan a trip, buy back a toy that you sold but really miss, frame a copy of that last debt payment check and hang it on your wall - something that will mark this occasion in your memory forever. Share with close friends if you can do so without appearing to brag. Buy them steak and lobster!Finally, swear to yourself that you will never borrow money again! It was hard to become debt-free, so don’t sell it cheap. Pre-spend your expected income in a spreadsheet or financial app at the beginning of every month (called a “budget”), so that you’re not surprised by an expense you forgot. Debit cards do everything that a credit card can (they actually use the credit card networks), so cut up the credit cards. Pay actual cash for certain variable expenses that might tempt you to over-spend, like perhaps groceries, entertainment, and clothes. Use sinking funds to pay cash for large purchases like cars. Keep a rainy day fund of half a year’s income in a savings account (not an investment account), so that major medical and other unexpected expenses don’t drive you back into debt - and if you’re forced to use some of it, make replenishing it your top priority.Live debt free!You absolutely can do this, but you must want it more than you want stuff. Get yourself motivated, get your list made, and let’s go kill us some debt! :-D

Ughh… Sharing my experience with Uber’s schedule a ride functionality so hopefully others don't get burned too.So, was in Madison where it's being tested, had early morning flight at end of confer nice, so scheduled for Uber 4 days in advance for 5am pickup. Everything looked all set, told me inwas confirmed for pickup 5–5:15am. Piece of cake. Great!Notsomuch: All that happened was at 5am my uber app sent out request for cars. Not surprisingly, none available that early, so it just kept requesting, 5 min pass still no cars available, going to miss my flight so I scramble and luckily overbooked cab company took pity and sent a driver already with another passenger to pick me up.so, “scheduling ahead” is only scheduling the app will put out a request, not sure I see how helpful that is, no guarantee of a car, nothing actually scheduled, a set up for a missed flight/appt or really high peak fare if surge prices are in effect as you won't know. Thumbs down from me. Hope this helps others from making same assumptions and mistake I did.

I discussed the matter at Income tax helpline. According to them Schedule FSI, TA and FA are not applicable in case of NRI.

A nation as a whole is harder to tackle than individual families (one at a time). The first step dealing with any problem is admitting that there is a problem.Until this happens, people will continue to believe that there is nothing to be fixed and won't be open for change.Once they have admitted that there is a problem, and the kind of problem that they can't fix on their own, only then can they seek help. The issue with finances is that not everyone is versed in financial matters. It's not a knowledge we are born with, it's not a knowledge that we actively seek (unless confronted with a disaster) and it's not a casual read before bedtime.People who know about finances - and by that I don't mean the sales people who paddle products for their own commissions - are few and difficult to get to. To start, there is no source for this information which will accommodate all the cases and all the lifestyles and all the scenarios.And each of these will require the finance person's time, which is not free - and something that not many can afford. The next step is getting advice.This is the easiest part, actually: getting all income, all expenses, coming up with a real plan on solving the deficit and streamlining things going forward.100% of this advice will be plain common sense.Money is not a magical creature, it's physics, if you will: money does not appear our of nowhere and it does not vanish into the abyss. So, it's very very easy to handle, once a person learns how to do that. And then the hard work begins, and there is no default success embedded into this.The hard work is about making changes, suppressing egos, reducing possessions or killing habits, and basically reforming self (and one's mindset) to be like that finance person.And no, it will not be easy. It will be hard, very hard, and many people will give up on this endeavor.This, in turn, will require meaningful support and follow-up, which is something we, as a country, don't have in place.The second sentence of my response should have evoked a correlation between the financial binging (debt) and other binging  types (be it cigarettes or alcohol or food or many others).Yes, we can treat it as an addiction and it needs constant care until the person is truly reformed and can stay the course. Old habits - substances, spending, eating - are hard to break, and in the moment of crisis or a moment of weakness, old habits will come roaring back. So, the change would be temporary without being given a chance to succeed. So, how do we get out of debt? We get someone who's an expert in this area to assist with the plan and steps/changes, and then we get on with it.Whether or not many will reach that goal successfully, that's a whole another story.

I don’t think there is a “perfect” workout, or workout schedule, or calories to gain the results you want, the results will vary over different individuals. Don’t focus on searching for the perfect one, focus on finding what works for you, listen to advice from other people, try and get your own evaluation on what you have tried.Also, keep in mind that muscle gaining is a process, not an event, sometimes you are gaining muscle but you just don’t “see” the results, don’t get upset, if you feel good, if you feel you are doing the right thing, give it an other week or so and check, some times the results are just about to notice, but be patient.Having said that, I would give you some ideas based on what work for me. You have to eat a lot of protein, not a lot of calories (the rule of 1.5gr-2gr. per pound of weight is an OK rule in general), if you eat a lot of calories, you might gain some muscle, but they will be hidden under an important layer of fat and you will feel “bigger”, just not muscular, this is one of the biggest changes in approach in the past 2 decades vs. before.Try to eat a lot of protein sustained during the day, 30–40 grams per meal, and with some snacks also if you don’t reach the daily goal. Compliment those proteins with fiber, vegetables have micronutrients that are important to your body (maybe undiscovered yet, but think of your body as a finely balanced machine, if you lack something, other parts do not reach max efficiency nor gains). So, just eating meat, fish and poultry will not do it alone. Try to eat carbs on all meals (or skip carbs at night) but reduced portions, be more afraid of carbs than of fats. Do not eat in excess, never, eat what you want in reasonable portions or very small portions if it is something you shuldn’t be eating in the first place and avoid at all cost the primary sources of empty calories like Candy, Sodas, etc.Workout between 4 to 6 days a week, at least 3 days try to train big muscle groups (back, legs, pecs), it is not true that only through lots of weight you gain muscle, you can also train with less weight and adding reps until you can do no more reps (but not like 30 reps, except for body weight training like push ups) 8–18 reps will do if you have limited access to weights, or if you are coming out of an injury, or if you want to prevent injuries. This last thing is very important, injuries are one of the primary sources to keep motivated people away from training!I hope that helps.

The debt will not be paid off, because voters will not elect politicians who will raise taxes and cut expenditures.Certainly nobody alive today will live to see the debt go to zero, but that may be okay. For reasons I am not smart enough to understand, but Alexander Hamilton was, it's not a bad thing for a country to have a debt. The question is the size of the debt. Of course our country grows, and the value of the dollar fluctuates, so it makes sense to consider the question using the unit "percentage of the gross national product". In other words, how does our total debt compare to all the money we make in a year? (If you make $50k, you can pay off $50k in credit card bills in a single year, assuming you keep working, but stand in the rain all night, wear the same clothes for a year, and forage for berries.)Here's a chart that shows our total outstanding debt at the end of the year as a percentage of the gross national product that year. Let's not argue about the blue and red stripes. Congress and the normal business cycle have more to do with deficits than the President.Many readers know this very well, but for completeness, lets be sure we're talking about the same thing. The national debt is the total debt owed. It's complex, because some of it is owed to the Social Security trust fund and some say we shouldn't worry about debts we owe ourselves, since we can just print money. Others tend to turn white and faint when they hear that kind of talk. But anyway, the debt is the total outstanding. The deficit is the annual difference between income and expenses. It's equally mind-bogglingly complex, because some items are things you can just plan to spend and then spend precisely that much, but with others, like, say, food aid, you don't know what the total will be until the year is over, since you can't predict with certainty what will happen to the economy.Ideally, you might have a fairly steady debt that hovers around a particular percentage of the gross national product. The actual percentage isn't as important as the concept that we ought to agree on what that number is. Each year, if we run a deficit in the annual budget, the debt increases. If we run a surplus, the debt goes down. The debt we have now is not without precedent. We had a similar debt that we ran up in World War II, as the chart shows. But we ran surpluses in our budgets quite often until the early seventies, and we largely paid it down. Then it started going up again, and it's back up to something pretty close to 100% of the GDP.There are so many ways that a country's finances aren't like your finances, even beyond the complexity. But to pay down the debt, we obviously have to find a way to collect more taxes than we spend. It hasn't been trending that way recently. Republicans decry spending, but promise low taxes, and they deliver. Democrats decry taxes that are too low at the upper brackets, but promise lots of benefits, and they deliver. The resulting compromise (or witches brew, if you will), is the combination of low taxes and high benefits, which obviously creates a debt. To pay down that debt, future taxpayers will have to pay more of their paychecks to the government, and they have to get less in return. Sort of a raw deal we're handing our kids and their grandkids. We think we're being generous by helping today's poor, but we're not paying for it. We're borrowing the money from future generations. Not cool.