find a BUYER"s agent; never ever use a seller’s agent to
help you do anything.

[dual agents [seller agent also rep'ing the buyer] are not permitted by law, [most all people do not
know this] to negotiate a good price for a buyer]

conduct research and develop new goods.
offer more varied job opportunities and greater job stability.
offer higher wages and better health and retirement benefits.
provide the goods and services wanted by the surrounding community.
37.) In general, government antitrust officials see a threat of monopoly power when a company gains control of ________ of the market for a commodity or service.
25%
30%
66.6%
90%
38.) Which of the following is not one of the roles of the Environmental Protection Agency (EPA)?
sets and enforces tolerable limits of pollution
cleans up polluted streams, rivers, and marshes
establishes timetables to bring polluters into line with standards
has the authority to coordinate and support research and anti-pollution efforts
39.) Which of the following are not practiced market strategies?
Buying on margin
Selling short
Selling long
Options
40.) ________ is an economic policy or doctrine that opposes government interference in or regulation of business or commerce beyond what is necessary for a free-enterprise system to regulate itself.
Communism
Laissez-faire
Fiscal policy
Free-enterprise policy
41.) Which of the following is not a method that corporations use to raise capital?
issuing bonds or preferred stock
selling common stock
borrowing and using profits
selling goods and services directly to the public
42.) Monetary base is defined as:
currency in circulation.
currency in circulation plus foreign debts owed.
currency in circulation plus banks’ required and excess deposits at the central bank.
bank’s required and excess deposits at the central bank.
43.) A policy is referred to as _______ if it reduces the size of the money supply or raises the interest rate. An _______ policy increases the size of the money supply, or decreases the interest rate.
contractionary, expansionary
expansionary, contractionary
fiscal, monetary
monetary, fiscal
44.) Governments spend money on a wide variety of things. Which of the following is not a way in which these expenditures can be funded?
Taxation of the population
Seignorage, the benefit from printing money
Borrowing money from another country, resulting in a foreign deficit
Borrowing money from the population, resulting in a fiscal deficit
45.) When products become more expensive over time, ______ is occurring.
deflation
inflation
stagflation
none of the above
46.) A(n) _____ is an economic disadvantage, such as lower efficiency or higher costs.
diseconomy
noneconomy
net loss
unexpected loss
47.) Keynesian economics is an economic theory based on the ideas of 20th century British economist John Maynard Keynes. Keynesian economics promotes a ________, where both the state and the private sector play an important role.
fixed economy
mixed economy
socialist economy
communist economy
48.) Because economics is a study of ______, it deals with incentives and their consequences.
cause and effect
profits and losses
wealth and social status
money and will power
49.) In 1652, the _______ became the first American colony to make coins.
Roanoke Colony
Plymouth Colony
Massachusetts

a c d b d
a b d c a
c d b a c
d b c a

If you sell 300 shares of XYZ at a loss, then buy 100 back within 30 days, the loss on the 200 that you did not replace would be deductible. The loss on the 100 that you did replace would be added to the basis of the replacement shares.

Thanks for the time in answering my question.
We (me and my spouse) purchased a home on Nov. 2004 for about $380,000.
We used one line of credit and again we consolidated the lone about a year after and then again we used some more line of credit later and we ended up in having around $450,000 first lone +$50,000 line of credit on the home. Both loans have been with WAMU.
Unfortunately we had to short-sale the home on 2008 for some where around $350,000. Now WAMU sent us 1099 and now our tax man states that we need to pay $31,000 tax. However our realtor states that we shouldn’t pay anything because of recent rules. I would appreciate if you would tell us if we should pay tax or not.

Thanks,
Simon

Rely on your real estate agent for real estate advice (although if he was involved in your mortgage situation maybe not…..).

Rely on your tax man for tax advice. He is correct.

Please and thank you.

You should call the local real estate board as well as the real estate broker this real estate agent work for to find out if this is a common practice in your area for real estate agents to charge a Short Sale Processing Fee.

It appears as if it is another way to add fees to get additional funds or fees in to the real estate agent’s pockets.

Normally the lender would want the condo listed for sale by a real estate agent prior to you applying for a short sale. Also the lender would want you to have the assistance of a real estate in completing the short sale packet.

I have never heard of a short sale processing fee. The real estate agent would get a commission once the property is sold.

I hope this has been of some benefit to you, good luck.

"FIGHT ON"

2. An individual works at job A during the day and also teaches night classes at job B. While working at job A on a company computer, the individual receives instant messages from night class students and communicates with the students as requests arrive rather than waiting until the night class begins. Why is this inappropriate?
A. The individual should use email to communicate with the students.
B. The individual should only answer instant messages during breaks.
C. The individual could inadvertently send confidential information about job A.
D. The individual is using job A’s resources to perform duties for job B.

3. How can implementing an ethics program encourage organizational integrity?
A. Unethical and illegal behavior will no longer occur.
B. Short term business goals and organizational outcomes are aligned.
C. Mid-level managers can develop departmental codes of conduct as needed.
D. All employees are given ethics training and a copy of the company’s code of conduct.

4. What is a benefit of an effective ethics program in the workplace?
A. Eliminating theft within the company
B. Ensuring that employees understand the company’s values
C. Allowing a surveillance system to be put into place within the company
D. Allowing company officers to avoid personal liability for ethical violations

5. For an organization to develop an effective ethics program, the position of ethics officer is often created. What is a key responsibility of an ethics officer in developing an ethics program?
A. Developing and distributing a code of conduct
B. Defining and distributing a description of the organizational culture
C. Interviewing employees to determine corporate ethics compliance
D. Interviewing managers and directors to determine corporate ethics compliance

6. What is an essential role that top management plays in developing an effective ethics program?
A. Developing and implementing a financial auditing program
B. Providing information and setting the right tone for employees
C. Interpreting and supporting regulatory requirements for ethics programs
D. Directing the organization toward short-term goals versus long-term goals

7. Which method of assessment can develop benchmarks for compliance with ethical standards?
A. External audits
B. Employee exams
C. Training attendances
D. Employee questionnaires

8. What is a purpose of ethics training?
A. To influence board participation in day-to-day operations
B. To improve the employees’ ability to identify ethical issues
C. To reduce the need for understanding basic legal requirements
D. To expand employee penalties for ethical misconduct in the organization

9. How does a formal code of conduct affect the way an organization does business?
A. By describing organizational expectations for all employees
B. By forcing the organization to meet minimum legal requirements
C. By resolving every ethical issue that is encountered on a daily basis
D. By providing a formal method for reporting ethical violations to governmental agencies

10. A manufacturing worker becomes ill due to conditions in the workplace. The worker’s manager determines that the production process must be fixed regardless of the cost to the company.

The manager is exhibiting which type of moral principle?
A. Teleology
B. Utilitarianism
C. Deontologism
D. Relativist perspective

1. Which employee action constitutes a misuse of company resources?
D. A foreman took a construction crew to work on a landscaping project at the foreman’s private property after finishing a project early that had paid the labor costs for the crew.

2. An individual works at job A during the day and also teaches night classes at job B. While working at job A on a company computer, the individual receives instant messages from night class students and communicates with the students as requests arrive rather than waiting until the night class begins. Why is this inappropriate?
D. The individual is using job A’s resources to perform duties for job B.

3. How can implementing an ethics program encourage organizational integrity?
C. Mid-level managers can develop departmental codes of conduct as needed.

4. What is a benefit of an effective ethics program in the workplace?
D. Allowing company officers to avoid personal liability for ethical violations

5. For an organization to develop an effective ethics program, the position of ethics officer is often created. What is a key responsibility of an ethics officer in developing an ethics program?
A. Developing and distributing a code of conduct

6. What is an essential role that top management plays in developing an effective ethics program?
C. Interpreting and supporting regulatory requirements for ethics programs

7. Which method of assessment can develop benchmarks for compliance with ethical standards?
D. Employee questionnaires

8. What is a purpose of ethics training?
B. To improve the employees’ ability to identify ethical issues

9. How does a formal code of conduct affect the way an organization does business?
A. By describing organizational expectations for all employees

10. A manufacturing worker becomes ill due to conditions in the workplace. The worker’s manager determines that the production process must be fixed regardless of the cost to the company.

The manager is exhibiting which type of moral principle?
B. Utilitarianism

I think this guy has it nailed. He may just have a sure fire way to alienate everyone.
In another year his approval rating will probably be in the 20s. By the end of his single term an approval rating of 5 or 10 looks really likely. Way to go BO!

How stupid can Obama be? Mammals exhale CO2!!! How can this gas possibly be a pollutant??? The people at the EPA must be smoking crack!!

Thank you very much!

<<<I would like to time the stock market but I am concerned about the WASH-SALES rule. What aretax implications?>>>

The first two answers you got indicated you lost the tax benefit associated with selling for a loss with a wash sale. That is incorrect. You postpone the tax benefit instead of losing it.

For details on the tax implications see

http://www.fairmark.com/capgain/wash/index.htm

<<<I would use Rydex funds. Due to the WASH-SALES rule, is it only advantageous with retirement funds or can it work with non-retirement funds?>>>

It can work with non-retirement funds, assuming you are a good enough trader to time the stock market correctly. Timing the market is harder than you might expect.

how does wash sale rules apply to this cituation. Thank you for answer.

No, there is not wash sale according to what you provided.
covering the short can’t be a replacement share becasue it was delivered, hece no open position.

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