Conesmasher

Yep, the use tax is based on the honor system. Albeit the legal way, why would anyone give more money to a government who doesn't know how to use it properly?

Did anyone get the "subliminal" message of "live" in the top right corner. When it rolls out, it comes in backwards and spells EVIL. Just food for thought, regardless, that vid was great.

I think that Dodge is on a roll, they had a TON of people around the Challenger. Many more than the "concept" Mustang had a couple of years ago.

Does it go, WOOO WOOOO?

As soon as we kill off the baby boomers.............. they eat this shit up faster than a caseload of Viagra.

Rally still exists???

OSU 60-7 ND Yes, we are going to kick 20 field goals for the win!!

3522 kbps down 376 kbps up

Our family has one child whom is one year of age. As a family, we anticipate that our child will be attending school in 17 years. This equates to 17 years of saving to have the ability to pay in full for our child’s education. This account is going to need funding for four full years of school at an in-state public university, such as Ohio State University. The current annual cost of Ohio State comes in at $5,000 for tuition, and $7,000 for room and board. We intend on covering the child expenses for tuition, room and board. The cost of books is going to incurred by the child as a learning experience to understand the value of money. Currently there is no feasible way to estimate the amount of financial aid available for the child. We do not know what type of income our household will posses, nor do we know if our child will have extensive availability to scholarships. The plan is to inform our child that a part-time job in the summer time is a necessity to save for the cost of books for the school year. Any money gained beyond that amount is going to be free spending cash for our child for whatever reason. As a family, we are going to have the need to posses an education nest egg that totals $115,754 at the time the child reaches 18 years of age (see cash flow analysis). This savings amount is based upon a 4.76% increase in tuition cost per year. The yearly contribution starting at $2,617 will increase at a rate of 3% annually, which is the adjustment for regular monetary inflation. The investment interest rate we expect to earn is a modest 8%. In order to save properly for these college costs, our family is going to save $50.33 per week and increase annually this amount by 3%. As a family, we feel that the 8% investment rate that we expect is realistic, as most index funds average from 10-13% in returns. There are three types of accounts that we can consider utilizing. The first plan of choice would be the 529 (non-prepaid) savings plan. This plan would allow for ease of transfer to the estate when naming the specific beneficiary. Because this is the non-prepaid plan, it will not affect the financial aid of the college aspect. The interest earned in the account is exempt from federal income tax as long as the expense is a qualified education expense. The qualified users of the account are any child that is attending school and they have the ability to be transferred to other children. Another important factor is that anyone in the family can contribute to the 529 plan. The second choice of investment for education would be the Coverdell IRA. This IRA may be passed through the estate with a beneficiary named on the account, however if the funds are not used for the intended education purpose, they will be taxed at the income tax rate. The only way that the financial aid is affected is through the net worth of the owner. The qualified user of the account is intended to be the student, if the student uses them for educational purposes, the account will not be taxed. The third and likely unused type of account would be a typical savings account. The estate implications vary by state. In the state of Ohio, an account beneficiary or P.O.D. (payable on death) can be named to avoid estate tax implications. Financial aid can and will be affected in terms of income and net worth of the owner of the account. There are practically no tax benefits for participating in this type of account. The interest income will be taxed at the regular income tax level. Qualified uses of the account are not limited to regular needs as well as education cost. **This is a little write up that I did for my Finance 430 class. I was assumed to have at least one child, and that's what I planned for. Below is a link that could help you visualize your dream for your child, above all, good luck. http://cgi.money.cnn.com/tools/collegeplanner/collegeplanner.jsp

gonna have to go with the french chick too http://www.fresh99.com/news-anchor-melissa-theuriau.htm

There are basically 6 different types of options that you have available to you. Coverdell(Educational) IRA - Similar to a regular IRA, but must be used for educational expenses. IMO 2nd best to 529 plans, $2,000 max contribution per year UTMA/UGMA custodial accounts - What many used before the Coverdell came to be, but basically allows you to make tax deductable contributions to an account for a child or grandchild. $11,000 max contribution per year, no tax savings Basic Savings Account - Pretty straight foward EE Savings Bonds - If you are scared of financial markets 529 Prepaid Plans - Tax deductable, pay for college costs at today's prices, unfortunately they hurt financial aid by taking away dollar for dollar every dollar you save. Maximum $11,000 per year or a $55,000 5-year plan 529 Savings Plan - My favorite, tax deductable, many income limits do not apply for tax deductability or contributions. Maximum $11,000 per year or a $55,000 5-year plan **I have a pretty big spreadsheet if you would like to use it, it covers some facts of these plan. I am by means a financial advisor, nor do I know what is in your best interest. Just remember that the cost of school is going up at 5-7% a year, and also don't forget the Hope Education and Lifetime education credits come tax time, these can score some big bucks for school.

That's effin hilarious, good find.

Yea, it's a ranch style home with a concrete slab. Thanks for all the help guys. Steve I may hit you up on that.

how hard is it to pull carpet from the tack strips?

So I got this semi-bad ass home theater system for x-mas. Now the problem lies with the speaker wire for the two rear speakers. I have no experience in routing said wires, hence the post. I wondered if anyone here has any experience in doing this work, and may be possibly interested in routing it for me. I don't believe that it would take longer than 15-20 minutes with the right tools and experience. It's only two wires that need to be routed about 12-15ft. If anyone has any experience with doing this, it would be greatly appriciated. Of course I would be willing to pay for the services rendered, hit me up pm or reply. Thanks guys.

I would suggest an Accord or a Camry. From my perspective, I would sacrifice some gas mileage, for slightly larger balls and a nicer interior.

That's awesome, too bad it's not porn

Same thing happened to me about a month ago to my Accord. I don't have a stereo, I don't play my music loud, and I have a bright ass LED that signals, "Hey asshole, this car has an alarm". Regardless, they still tried to pry the window down, the alarm went off, sent me a page at 3 in the AM, I jumped up and no one was there. The funny thing is all that they would have gotten was a dash duster.

And one of the teams they beat............that team up north. I can't wait......the people that I watch OSU games with are ND fans first, OSU fans second. I think ND is gonna get crushed!!!

Every time I see her, I think about the "hoof" Kate's hoof Imagine getting in the sack with her, and she says.....Ohhh suck on my toe

14" spinning hubcaps DUB magazine dew rag Big gold necklace

What do you think?

So how hard is it to snowboard? It's something that has always interested me, but have never had the time to pick up. I am gonna have to pick up some type of hobby......once I stop treating school as my hobby.

That is a sad story man, just keep your head up and remember to learn the lessons that others teach you.

I think that another item that is hurting them is the US $ vs AU$. Take this for instance: Holden Monaro(akaGTO) = $60,490(AU) which in turn =$44,579(U.S.) The GTO is $32,995(U.S.) base price Can you imagine if the GTO cost $44,579, that's the problem with the Zeta platform.......getting it from AUS costs an arm and a leg. The value of the dollar can bite you in the ass when you are an international company. Just ask Porsche, back in the day they were close to going under, but now they are doing better than ever and is even trying to buy VW. The main reason is the value of the dollar is retrospect to the Euro.