I have been reading 'some' of your posts. I would like to have nice discussion with all of you and take an opportunity to give compliments to Egyptians as a very nice people. Egypt is not just one of my favorite countries but also one of the most liked countries in the World. I guess everyone has 'own' reasons so I was wondering...
What's the craziest thing you've done for love of Egypt?
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The craziest thing I've ever done is charge up too many credit cards to pay for airline tickets I couldn't afford. And still paying for them
Posts: 323 | Registered: Aug 2004
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quote:Originally posted by AnotherNewMember: The craziest thing I've ever done is charge up too many credit cards to pay for airline tickets I couldn't afford. And still paying for them
WOW, looks like you need to take a course to improve your decision making process. You show classic flaws
I have been reading 'some' of your posts. I would like to have nice discussion with all of you and take an opportunity to give compliments to Egyptians as a very nice people. Egypt is not just one of my favorite countries but also one of the most liked countries in the World. I guess everyone has 'own' reasons so I was wondering...
What's the craziest thing you've done for love of Egypt?
Sharon Stone, gosh, I can't believe you here online on ES. How is life in Hollywood treating you? I am very sorry for your break-up with your husband but - as you know - life goes on. Take good care of little Roan and I really need to tell you that "Basic Instinct" is up to this day one of my favourite movies of all times. Take care, Sharon, and indeed, Egypt is a great place to visit, to live ....... and they have very handsome and smart men over there. Oh, should I call up the "National Enquirer" right now for that new cover story "Sharon Stone looking for Egyptian Husband"???????
Posts: 30135 | From: The owner of this website killed ES....... | Registered: Feb 2004
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quote:originally posted by Katrina WOW, looks like you need to take a course to improve your decision making process. You show classic flaws
Oh my, is that the reason you have YET to visit Egypt, still waiting to save to pay CASH for your airfare
Plus I thought you were a cheerleader for the good old American Capitalistic Economy. Didn't you know without CREDIT it would crumble? Just watch the markets as Alan Greenspan The Magnificent waves his magic wand controlling prime rates and consumer spending- swipe, swipe, ching, ching..the lovely sounds of Platimun plastic. All the airlines would be bankrupt if they waited on people like you to pay CASH for travel. Just doing my part to help the economy my dear
Oh, and that brief little Economics COURSE was on the house...The pleasure was all mine
quote:Originally posted by AnotherNewMember: Oh my, is that the reason you have YET to visit Egypt, still waiting to save to pay CASH for your airfare
Plus I thought you were a cheerleader for the good old American Capitalistic Economy. Didn't you know without [b]CREDIT it would crumble? Just watch the markets as Alan Greenspan The Magnificent waves his magic wand controlling prime rates and consumer spending- swipe, swipe, ching, ching..the lovely sounds of Platimun plastic. All the airlines would be bankrupt if they waited on people like you to pay CASH for travel. Just doing my part to help the economy my dear
Oh, and that brief little Economics COURSE was on the house...The pleasure was all mine [/B]
I think you are good at selective reading. The value of cashless transactions is obvious and no need to talk about it, yet to get into personal debts as a result of poor handling of personal finances... hmmm
SO thank you very much for keeping economy healthy and strong!
The point is rational people let less rational people keep airline and credit card industries going the way you do. There are plenty of such people in USA. No need for me to get into personal debt, dearest. I have my credit cards that earn me air miles and cash rewards. I treat credit cards as a convenience and cash mgt tool (I USE CREDIT ALL THE TIME), not as a way to get into personal debt. I do not give my business for free to credit cards and high segmentation and proliferation of the credit card industry help with that big time. You and such would subsidize my business by paying off your bills not on time, incurring finance and interest charges for quite a long time....unless you are a big time flipper, but you did not indicate that
As far as theory in econommics...No worries. I learned economics from the best school in the world and very famous profs such as Baker, Kevin Murphy, and Robert Topel (look up their names, if you wish to have a refresher yourself) You may find their brilliance very rewarding . Believe me if you go through their classes, you never need a review on economics. I take it from world known experts, yet if you want to arm wrestle on economics, I would be more than happy to step up to a challenge. I have been to faculty workshops at my school where the best of the pack debate. Cheers!
[This message has been edited by katrina (edited 27 August 2004).]
quote:Originally posted by AnotherNewMember: The craziest thing I've ever done is charge up too many credit cards to pay for airline tickets I couldn't afford. And still paying for them
Same here
------------------ I started out with nothing, and I still have most of it
quote:Originally posted by katrina: I think you are good at selective reading. The value of cashless transactions is obvious and no need to talk about it, yet to get into huge personal debts as a result of poor handling of personal finances... hmmm
SO thank you very much for keeping economy healthy and strong!
The point is rational people let less rational people keep airline and credit card industries going the way you do. There are plenty of such people in USA. No need for me to get into personal debt, dearest. I have my credit cards that earn me air miles and cash rewards as I use credit for everythign including groceries, but I treat it as convenience and cash mgt tool, not as away to get into personal debt. I do not give my business for free to credit cards and high segmentation and proliferation of the credit card industry help with that big time. You and such would subsidize my business by paying off your bills not on time, incurring finance and interest charges for quite a long time....unless you are a big time flipper, but you did not indicate that
As far as theory in econommics...No worries. I learned economics from the best school in the world and very famous profs such as Baker, Kevin Murphy, and Robert Topel (look up their names, if you wish to have a refresher yourself) You may find their brilliance very rewarding . Believe me if you go through their classes, you never need a review on economics. I take it from world known experts, yet if you want to arm wrestle on economics, I would be more than happy to step up. Cheers!
[This message has been edited by katrina (edited 27 August 2004).]
Well this RATIONAL person uses their debt as tax write-offs! The good old American Way! Since some of us "rational" folks posess business accounts. And employ not so famous CPA's rather than ES members for financial advice. Gotta love it
Guess your "famous" professors missed that BENEFIT in class
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Oh, and Sharon Stone, Katrina is just here to "analyze" things, she's never done anything "crazy" in her life, let her tell it.
Posts: 323 | Registered: Aug 2004
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Craziest???? Give up working as a nurse in sunny England, in a manky NHS hospital,just to come and be a scuba diving instructor here!!!! Crazy or what??
Posts: 4238 | From: USA | Registered: Jul 2004
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quote:Originally posted by Samia: Craziest???? Give up working as a nurse in sunny England, in a manky NHS hospital,just to come and be a scuba diving instructor here!!!! Crazy or what??
Shhhh, Samia, you were not thinking rational, Katrina will reprimand you for that one for sure.
quote:Originally posted by AnotherNewMember: Shhhh, Samia, you were not thinking rational, Katrina will reprimand you for that one for sure.
Not at all. This is perhaps her call for self-actualization to reach the highest level of hierarchy of needs according to the rational framework developed by Maslow. No need to be a nurse if you are a born scuba diver! Do what you enjoy and can do best. There is another economic theory as it is better to be a big fish in a small pond than a small fish in a big pond. Better for self-realization and emotional well-being. There is a normal distribution of talent and drive. And self-selection mechanism does work. Other nurses will feel rewarded if somneone who feels unfit at that hospital leaves
I'd say it is inconclusive to say if Samia was rational or irrational in her decision to leave the hospital, she did not describe her motivation, reasons, and decision making process she used. It could be the best decision she has made for herself personally.
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quote:Originally posted by AnotherNewMember: Well this RATIONAL person uses their debt as [b]tax write-offs! The good old American Way! Since some of us "rational" folks posess business accounts. And employ not so famous CPA's rather than ES members for financial advice. Gotta love it
Guess your "famous" professors missed that BENEFIT in class [/B]
Of course, they "missed" it. Their area is economics and not Principles of Individual Tax Accounting. You believe using personal bad debt is a good strategy for tax avoidance or let’s say reducing tax owed? There are way better tax reduction methods you can use other than personal bad debt write offs. Your CPA offers you this as an ailment solution to reduce your pain after the fact rather than a rational strategy to reduce your tax liability going forward. Besides, do you think tax write offs are worth against passing a C-test in front of a banker if you need a loan for personal or business use specifically such Cs as: Character and credibility? I bet you have never done cost benefit analysis when you took your CPA advice "after the fact"
quote:Originally posted by AnotherNewMember: The craziest thing I've ever done is charge up too many credit cards to pay for airline tickets I couldn't afford. And still paying for them
quote:Originally posted by katrina: let me know what needs to be translated
I am getting worried because I am keeping up with her thanks to an hour with Maslow's hierarchy of needs and I do know a bit about finance. Hey you Americans how the heck do you get tax write offs for personal debt/travel costs over there. Absolutely not allowed in the UK.
Don't give up on us Katrina you are quite unique!!
Oh and I will write what I think about Maslow soon as it is relevant to a lot of things that come up here.
quote:Originally posted by Penny: I am getting worried because I am keeping up with her thanks to an hour with Maslow's hierarchy of needs and I do know a bit about finance. Hey you Americans how the heck do you get tax write offs for personal debt/travel costs over there. Absolutely not allowed in the UK.
Don't give up on us Katrina you are quite unique!!
Oh and I will write what I think about Maslow soon as it is relevant to a lot of things that come up here.
Penny
Penny, I do no think you can do it in USA, especially for personal travel, business - yes. If ANM pays US taxes, I am not sure what kind of offshore tax accounting he/she does, but I simply went along with it for fun . You can write off personal bad debt when you file for bankruptcy.
[This message has been edited by katrina (edited 27 August 2004).]
quote:Originally posted by katrina: Of course, they "missed" it. Their area is economics and not Principles of Individual Tax Accounting. You believe using personal bad debt is a good strategy for tax avoidance or let’s say reducing tax owed? There are way better tax reduction methods you can use other than personal bad debt write offs. Your CPA offers you this as an ailment solution to reduce your pain after the fact rather than a rational strategy to reduce your tax liability going forward. Besides, do you think tax write offs are worth against passing a C-test in front of a banker if you need a loan for personal or business use specifically such Cs as: Character and credibility? I bet you have never done cost benefit analysis when you took your CPA advice "after the fact"
My dear I'm afraid here again your 'theories' don't apply to real life. Take it from a person that knows this system from experiencing not from reading too much philosophical analytical boobledygook <--* new word.
First of all my dear theoretical friend, you don't sit in front of a banker to have you "character assessed". See in this country, we have a little something called high technology, that has enable ancient techniques such as interviews with bankers to become debunk.
Now using said 'high technology' bankers run this creative thing with their keyboards called credit report. Said credit reports using same technology assigns you a 'risk score', the higher the score, the lower the risk. So a person with a high credit score can go to a site like citicard.com, apply for a credit card, and have it in the mailed within the next few days without even LOOKING AT or TALKING TO a banker. Now that's some "character" for you dear. It's called "hmmm, they paid everyone else back, why wouldn't they pay me" since I don't know of a single bank that give a squat about your tax write-offs, except for when they send you a form called a 1098 to WRITE OFF the interest you paid on a mortgage debt to them.
quote:Originally posted by AnotherNewMember: My dear I'm afraid here again your 'theories' don't apply to real life. Take it from a person that knows this system from experiencing not from reading too much philosophical analytical boobledygook <--* new word.
First of all my dear theoretical friend, you don't sit in front of a banker to have you "character assessed". See in this country, we have a little something called high technology, that has enable ancient techniques such as interviews with bankers to become debunk.
Now using said 'high technology' bankers run this creative thing with their keyboards called credit report. Said credit reports using same technology assigns you a 'risk score', the higher the score, the lower the risk. So a person with a high credit score can go to a site like citicard.com, apply for a credit card, and have it in the mailed within the next few days without even LOOKING AT or TALKING TO a banker. Now that's some "character" for you dear. It's called "hmmm, they paid everyone else back, why wouldn't they pay me" since I don't know of a single bank that give a squat about your tax write-offs, except for when they send you a form called a 1098 to WRITE OFF the interest you paid on a mortgage debt to them.
No need to go personally to a banker. Who said you have too? These concepts are incorporated just like your said in risk score calculation. Credit report will show your delinquencies, don't you think? So you proved your point well Your risk score will be quite high
Technology just makes this come out so much easier
[This message has been edited by katrina (edited 27 August 2004).]
quote:Originally posted by Penny: I am getting worried because I am keeping up with her thanks to an hour with Maslow's hierarchy of needs and I do know a bit about finance. Hey you Americans how the heck do you get tax write offs for personal debt/travel costs over there. Absolutely not allowed in the UK.
Don't give up on us Katrina you are quite unique!!
Oh and I will write what I think about Maslow soon as it is relevant to a lot of things that come up here.
Penny
Penny, America is a creative country when it comes to benefits for 'business owners' as opposed to immigrants that moved to the country to study and comment on things they have no idea about.
For example, you can take a friend to lunch, talk about a lunch, mention a few things about 'your business' and VOILA!, tax write-off IRS Schedule C, Part 2, line 24b.
Another example is to take trips to places like Egypt, run up your credit cards, if you conduct or discuss any business while there otherwise enjoying yourself , VOILA! tax write-off IRS Schedule C, Part 2, line 24c
And yes this is done on US INDIVIDUAL TAX RETURNS 1040 line 12 schedule C.
You see in the US Penny, an individualpropietor doesn't have to form a corporation to benefit from tax write-offs.
Of course big corporations even BANK THEMSELVES also benefit from writing off ad debt. This is America, this is one of the many things its built on. There are those that 'know the system' and advantage from it, and there are those that are those that read 'theories' from Maslow that has absolutely no relevance whatsover to day to day business transactions.
Yet one more reason to hire a CPA as opposed to a theoretical ES poster, who involves too much time in theory rather than practicality.
quote:Originally posted by AnotherNewMember: Penny, America is a creative country when it comes to benefits for 'business owners' as opposed to immigrants that moved to the country to study and comment on things they have no idea about.
For example, you can take a friend to lunch, talk about a lunch, mention a few things about 'your business' and VOILA!, tax write-off IRS Schedule C, Part 2, line 24b.
Another example is to take trips to places like Egypt, run up your credit cards, if you conduct or discuss any business while there otherwise enjoying yourself , VOILA! tax write-off IRS Schedule C, Part 2, line 24c
And yes this is done on US [b]INDIVIDUAL TAX RETURNS 1040 line 12 schedule C.
You see in the US Penny, an individualpropietor doesn't have to form a corporation to benefit from tax write-offs.
Of course big corporations even BANK THEMSELVES also benefit from writing off ad debt. This is America, this is one of the many things its built on. There are those that 'know the system' and advantage from it, and there are those that are those that read 'theories' from Maslow that has absolutely no relevance whatsover to day to day business transactions.
Yet one more reason to hire a CPA as opposed to a theoretical ES poster, who involves too much time in theory rather than practicality.
[/B]
ANM, no theory here. There is a clear difference between business/small business and individual tax returns. You did not specify before which write offs you were talking about: business or individual.
Of course, as a small business owner you can make all kinds of write offs and cook the books and perform tax avoidance as well as tax evasion. Is this you Debbie, teaching about taxes on ES just you like had quite a few "practical" posts before for "better" living in Egypt? Where is elmagnoon? hehehehe You are quite a practical lady, we know that!
No there is no relevance of Maslow to business transactions.
NOBODY CLAIMED THAT!! CANNOT YOU READ? HAHAH? A reference to Maslow was made in repsect to the idea of self-realization not HOW TO FILE TAXES.
[This message has been edited by katrina (edited 27 August 2004).]
NOBODY CLAIMED THAT!! CANNOT YOU READ? HAHAH? A reference to Maslow was made in repsect to the idea of self-realization not HOW TO FILE TAXES.
[This message has been edited by katrina (edited 27 August 2004).]
Of course I can read Katrina dear, the question is CAN YOU READ? A reference to MASLOW and TAX WRITE_OFFs were in the same paragraph, posted above by Penny. Scroll up a little dear. Penny is the one I was replying to this time.
No this is not Debbie, how dare you insult Debbie like that.
quote:Originally posted by AnotherNewMember: Of course I can read Katrina dear, the question is CAN YOU READ? A reference to MASLOW and TAX WRITE_OFFs were in the same paragraph, posted above by Penny. Scroll up a little dear. Penny is the one I was replying to this time.
No this is not Debbie, how dare you insult Debbie like that.
Actually Maslow was mentioned in a separate post for Samia
Insult to Debbie? no that would be a compliment Debt or interest rate payments are tax deductible. Who argues about that?
Ok, let's set it clear. As a small business owner you can deduct LOTS of stuff but it shoud be for business use. If you deduct your bad debt from misusing your personal credit for buying shoes and aifare for your own leisure and put it as part of your business stuff and claim on yoru taxes, that is tax evasion, which is punished by IRS when caught. Of course, is IRS ever do that? That is a different issue
As far as CPAs and tax accounting, can I tell you a little secret, AMN? I have passed my CPA on the first attempt back in 2000 in my final semester of undergrad studies
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no samia....u have not been crazy enough to contact me..!!the we'll see how crazy u r babe!!!!
Posts: 55 | From: Cairo,Egypt | Registered: May 2004
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quote:Originally posted by katrina: Actually Maslow was mentioned in a separate post for Samia
Insult to Debbie? no that would be a compliment Debt or interest rate payments are tax deductible. Who argues about that?
Ok, let's set it clear. As a small business owner you can deduct LOTS of stuff but it shoud be for business use. If you deduct your bad debt from misusing your personal credit for buying shoes and aifare for your own leisure and put it as part of your business stuff and claim on yoru taxes, that is tax evasion, which is punished by IRS when caught. Of course, is IRS ever do that? That is a different issue
As far as CPAs and tax accounting, can I tell you a little secret, AMN? I have passed my CPA on the first attempt back in 2000 in my final semester of undergrad studies
Katrina re-read Penny's posts and stop making yourself look any more arrogant than you already are.(as if that's possible)but nevertheless, I was responding to PENNY's post, NOT your response to Samia. Granted you did mention Maslow, but if you would kindly unwrap yourself from around yourself you would see that the name was mentioned by Penny as well, in the SAME paragraph as tax write-offs.
Next, congratulations on the CPA (the first time around *clapping*) But I'm afraid my 'rationale' would lead me to an HR Block seasonal tax preparer before utilizing the services of anyone like yourself. I'm sure you threw the "buying shoes" into your argument for good measure, but I'm afraid it was grossly ineffective. As any worthwhile CPA knows without a second thought that business and leisure is mixed quite often. Some of the world's most important business decisions have been made over a golf game, or did you know that already. Even the president of the USA has made major international decisions while on a fishing trip, but maybe you knew that too.
Last, I have yet to type anywhere in this thread that I have BAD debt, so how could an otherwise 'intelligent individual' (and I use this term lightly) equate A LOT of debt with BAD debt, is beyond logic to me. Tax evasion is when you avoid taxes by illegal means. When Uncle Sam inserts a deduction on one of his forms like 'travel expenses' and you WRITE OFF legitimate travel expenses, you are NOT avoiding taxes. But when you write off a $500 hair cut for your pet poodle Fifi, under the deduction for 'meals' then you're evading taxes. Did that school of yours offer any classes in something like Common Sense 101, I think you may have missed that one.
And just for the record Miss CPA, you can't write off BAD debt that you OWE, you can only write-off BAD Debt that is owed TO you in the form of notes receivables. Now a BAD debt is one that you have not paid on and allowed to go into collections. Now how on earth could one 'write-off' what they haven't even paid
Thanks for compliments. I do not mind being called "arrogant." Not at all. Be my guest. I like it.
Should we go back to your original post when you claimed that you are still paying credit card debt for an exuberant airfare to Egypt, so I believe nobody owes you but you owe to the credit card company. The issue was could you write off a personal credit card bad debt (narrowly stated) not DEBT in general.
so what is the point of all the accounting lecture above with all the accounts receivables and what not?
Kat
[This message has been edited by katrina (edited 28 August 2004).]
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LOL thanks guys for the lesson on tax accounting US style. Boy have you got it good over there. All your business /personal lunches and business/personal travel aren't going to get you a write off in the UK uless of course you are into tax evasion.
Sorry if I caused a fight by mentioning Maslow. Katrina knew where I was coming from but no it did not have anything to do with finance....or maybe it does!! I will be back on that one. But things to do
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Katrina.... feel free to call me ignorant. self- actualisation, hierarchy....what is this amateur psychobabble bullshit??????? You know nothing about me!!!. I have no idea who or what maslow is.. but my motivation for coming to live here.... well.. We get one chance in our lives to turn out life around.... and, after cancer, divorce and bereavement all in a very short space of time, my chance came and I took it!! When you realise how precious this life is and we only get one crack at it, it's time to make big decisions.... and I made mine...... hope this explains my motivation, ok??? Egypt for ever!!!!
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Cheers LL!!! Cant be doing with all this pretentious psychoshite!!!! Egyptianguy, I will contact you as soon as my new false teeth are back from repair.... and my long curly wig is back from the cleaners!!! I want to look my best for our night out in Papas!!!!
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quote:Originally posted by katrina: Enchanting, AnotherNewMember!
Thanks for compliments. I do not mind being called "arrogant." Not at all. Be my guest. I like it.
Should we go back to your original post when you claimed that you are still paying credit card debt for an exuberant airfare to Egypt, so I believe nobody owes you but you owe to the credit card company. The issue was could you write off a personal credit card bad debt (narrowly stated) not DEBT in general.
so what is the point of all the accounting lecture above with all the accounts receivables and what not?
Kat
[This message has been edited by katrina (edited 28 August 2004).]
Let's just say the "accounting lecture" was somewhat of a 'refresher' course for any type of accountant, much less a CPA who still can't distinguish between BAD Debt and an OUTSTANDING Debt. Guess you missed the part of my original statement I was still PAYING on them which puts it in GOOD not BAD standing. FTR, never one late payment. But I guess this is completely over your head.
Now for the "compliment" being called arrogant, say no more, I will shower you with "compliments" every opportunity I get. Maybe then you won't find it necessary to "compliment" yourself so much. (Just getting an early start here, in case you didn't read between the lines)
quote:Originally posted by Luxorlover: Kat: Go girl go. Keep at 'em.
Rah, Rah, Rah, there you have it Katrina, a cheerleader, too bad it still doesnt validate anything in your argument.
quote:Originally posted by Samia: Katrina.... feel free to call me ignorant. self- actualisation, hierarchy....what is this amateur psychobabble bullshit??????? You know nothing about me!!!. I have no idea who or what maslow is.. but my motivation for coming to live here.... well.. We get one chance in our lives to turn out life around.... and, after cancer, divorce and bereavement all in a very short space of time, my chance came and I took it!! When you realise how precious this life is and we only get one crack at it, it's time to make big decisions.... and I made mine...... hope this explains my motivation, ok??? Egypt for ever!!!!
[This message has been edited by Samia (edited 28 August 2004).]
[This message has been edited by Samia (edited 28 August 2004).]
Samia, calm down. This is what i said precisely. ANM said that I would call your decision irrational. And I said no. it does not mean it is. Posts: 995 | From: USA | Registered: Mar 2004
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quote:Originally posted by Luxorlover: Kat: Go girl go. Keep at 'em. At least I now know that ANM is American - I was worried that it might be another Brit
Penny: I would be interested to hear what you think about Maslow.
ANM, You broaden the discussion on debt while the problem was originally very narrow: can one write off credit bad debt when it was used for PERSONAL USE. Period.
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Kat, thanks for refreshing few aspects of higher education here; we need some intellectual kick periodically. I still prefer Pavlov to Maslov, like them dogs plus I am more into psycho stuff; too brain scattered for real science (but thanks for stimulating my dormant brain cells, really ). Ps. My ex-husband paid off my 'Egyptian' debt infested credit card so currently I am ISO a new crazy stunt to commit in the name of love for the Pharaohs' digs. Will keep you updated. Posts: 2238 | From: Mother Earth | Registered: Jun 2004
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quote:Originally posted by AnotherNewMember: And just for the record Miss CPA, you can't write off BAD debt that you OWE, you can only write-off BAD Debt that is owed TO you in the form of notes receivables. [/B]
Oh yes you can, it is called bankruptcy.
Posts: 124 | From: england | Registered: May 2004
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quote:Originally posted by chelle67: Oh yes you can, it is called bankruptcy.
Sorry dear but a bankruptcy is not a TAX write-off.
And Katrina you still can't seem to remove "bad" debt from your argument, therefore it's pointless to debate over this matter with you, as you clearly have no idea what you're talking about.
posted
Okay Samia....I am gonna hit on u one more time.......u r the most beautiful woman in the worl...u r my destine.. Now pls let me a buy u a drink anytime.at yr convenience,,,and u dont have to buy me that net cafe babe
Posts: 55 | From: Cairo,Egypt | Registered: May 2004
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