day light savings time 2011

• Question:-Phone text messaging time?
  I have an LG Vu Plus and ever since Day Light Savings, my phone receives text messages from someone an hour earlier, Sent time not actual time, than what it says on my phone. This has really messed up my texting layout because I use the Conversation View on my phone rather than Standard. An example of whats happening would be like this:
  
  From: So and So
  -blank-
  Date: 03/13/2011, 10:57 PM
  
  To: So and So
  -blank-
  Date: 03/13/2011, 11:57 PM
  
  From: so and so
  -blank-
  Date: 03/13/2011, 10:58 PM
  
  ( I kinda feel ridiculous writing all of that)
  
  Anyway, I was just wondering if there is something wrong with my phone or if I just screwed up the settings. One thing I did notice about this was that I had my phone set to automatically update on the time, but it didn't for Daylight Savings when my computer did, I think this may because I don't have internet on my phone though. It's either this or my phone is able to time travel, and I honestly don't want to have to deal with that again, just kidding.
  
  This is exactly a high priority thing to me, just cumbersome, but if I can get some help I'd be delighted. It's not like this isn't something I cant live with.
  
  Answer:-A good thing to try would be to turn off your phone and then turn it back on. This usually resets the time and makes the timing in sync and correct.
• Question:-Americans: Chase Bank to terminate our accounts in 10 days! GO VIRAL!--what else can we do?
  Dear Americans,
  
  Can you assist us---we have had very unfortunate situation with CHASE BANK, and somehow my goal here is that I want the average American consumer to know what can happen to them at CHASE BANK--or maybe any bank for that matter. Especially, in light of the enormous bail-outs in recent times.
  
  Perhaps short-sghtedly I sent Jamie Dimon, Chase CEO and others at his bank authentic appeals related to our difficulty but have not received any response from them. I guess I don't have the pull-power of the President.
  
  Please understand: I don't even really have time for this. We have been based in Australia for many years and am in the process of moving our family back to the USA for personal reasons. However, this has been too shocking and revealing for me to ignore. And, it happened just when we most needed to depend on our bank and the stability of our financial standing, systems and way of doing things.
  
  Just around 10 days ago, I received a poorly written form letter from CHASE BANK, dated 22nd July (received around 13th July) with a partially handwritten address and just a few small paragraphs. Essentially it told us that all of our bank accounts with CHASE BANK would be closed in 10 days--21st July 2011. I still remember staring at the letter in disbelief. To be honest, my first thought was that this was some attepmt at fraud or getting our ID numbers etc. Sure enough, this was the real thing. So I phoned the number on the letter to get some information, and I was patched into Manilla. I could barely understand the person on the phone and got nowhere. This was in relation to our bank accounts that had almost $400,000 (life time savings--almost everything we have) in them for a long time at zero interest. But since the US dollar had sunk so low, we just left it there for time being and wired to Australia as needed. Almost $400,000, and the CHASE BANK has no explanation to what has happened. Noone called us. Noone emailed us. Noone 'knew' anything, except that it was a 'Business Decision'. There line is this: "Customers have the right to change banks; we have the right to change customers." Really? I know where it says this in the bank designed contracts, but is this REALLY acceptable?
  
  There was no acknowlegement of the greater responsibility the bank has to our persoanl and financial livlihoods, businesses, obligations to pay for our children's education, and other things, nothing. If this is Jamie Dimon's version of 'Capitalism', than I would like millions and millions of Americans to know of my experience, to hear of it 1st hand, to see me describe the anxiety and anguish we went thru over here in Australia, so they can fairly consider MOVING THEIR CAPITAL TO ANOTHER BANK. Not only is the customer service extremely poor in my experience, but the whole approach reaks of being 'un-American'. I have lived overseas for many years, and a distinguishing charateristic of American culture, as should be represented by our largest Banks and other national infrastructure that we let operate in our country, is an unbridled and unmatched generosity in communication and spirit and practical help and willingness to make things right. What has happened to our country?!
  
  Our business that sells a very unique light and healthy flat bread wrap to stores across the USA was receiving payments from customers to these accounts and paying bills. This is a business that started out selling 1 box of bread and now thankfully sells 10's of thousands of packages every month in many countries, including the USA. All of a sudden, with little warning, we were required to change everything. And, we still have no idea why. Thankfully, we were able to open accounts over the phone and internet with another bank and make changes as necessary. But what kind of bank or system is this? Is there anything here that you might want to discuss to tell a story? I would like the opportunity to tell this story widely and let people consider once again whether perhaps banks should have greater accountability and whether they even want to bank, specifically, with Chase Bank.
  
  Thank you
  
  Answer:-customer billing and payment proce, Eipp, electronic invoice presentment and payment.
• Question:-Why is my 2001 323ci BMW overheating?
  Bought the car in March 25th , 2011, put $2000 down and have already payed $600 more in car payments towards the car. I am currently 2 car payments behind because of the car problems. A week later the Check Engine Light came on and so did the Coolant Sensor Light. I already bought New Thermostat for the car for $140, thought it would prevent it from overheating, it did for about 2 days and then it started overheating again. I can only drive the car for about 60 blocks at a time and then it will die on me. Then I have to let it sit and cool off for at least 4 to 5 hours before I can drive it again. Could it be that it needs new head gaskets?
  
  I have not taken it to a repair shop yet because I will have a hard time making car payments and doing repairs and getting a rental car all at the same time. I want to take the car back to the dealership but the car came with an implied warranty only. I am so upset. I also failed to make sure the car was okay before I bought it. I used all of my savings for a down payment.
  
  I need some good advice of what steps to take and in what order, so I can get the best end result.
  
  My plan was to get a rental car, take the car to the repair shop after I get the diagnosis. I am afraid that if it needs new head gaskets, then it will not be worth fixing and I will not be able to afford to fix it, but I am still obligated to make car payments. Then what? But if the repairs are under $500 then I will be fine. But what if it's the head gaskets? What would you guys do?
  When I bought the Thermostat the repair shop did a diagnosis and .problem codes that came up were: P0313- Misfires randomly, P0455-Evapleak and P0117-Coolant Temperature Sensor.
  
  Also I live in Phoenix, Arizona around 16th Street and Camelback and like I said before I can only drive the car short distances, so what repair shop would you guys recommend from your good experiences and positive results to repair my lemon BMW?? I need my car fixed right, I do not have time to worry or want to worry about repairs. I was thinking German Auto Service, 5244 N 7th St, Phoenix, Arizona, 85014, they said that their prices are lower than the rest according to their website.
  For those of you who would like to recommend some good BMW repair shops, especially the one in Mesa that will give out loaner cars, you can email them to me at this email address: tclark16@my.gcu.edu, thanks for your advice.
  
  Answer:-

student loan forgiveness

• Question:-Can there be student loan forgiveness for moms who decide to stay home to raise their children?
  There is student loan forgiveness for people who do volunteer work or for teachers who teach low-income children, so why not for moms who have no income of their own, and choose the non-paying job of raising children?
  
  Answer:-Would this apply to all stay at home moms? Im a stay at home mom with no income of my own. Would i qualify? Now my husband has an income. He makes just over $112k a year from a trust fund. He owns 4 income properties. He recieves another $75k from disability insurance (private insurance NOT SSI) at the moment. Would i still qualify? Im still a stay at home mom with no income of my own. This is one major problem with the idea of loan forgiveness for stay at home moms. It would be ridiculous to allow someone with my household income to not pay a loan. And this isnt even touching the fact that all of us have the option of working or staying home. For those of us who choose to stay home we still have to be responsible to our debts. If we give special treatment based on being a stay at home mom we do a HUGE disservice to the working moms who struggle with bills. If anyone should be given debt forgiveness it should be people like Johnny's Mommy who work damn hard outside the home and struggle with bills because of a father who doesn't pay regular support or not enough, plus raise a good child after work. Those of us blessed enough to be able to stay home don't deserve more breaks in life while good people like that struggle.
• Question:-Is there any sort of student loan forgiveness program for newly graduated teachers who can't get jobs?
  I recently graduated from college with a degree in elementary education. Because of the economy and cuts in education I have been unable to find a teaching job. As a backup plan I am subbing at some local schools. This however, isn't consistent enough, or enough money to pay my loans. Does anyone know of some sort of student loan forgiveness program in the state of Alabama that could help?
  
  Answer:-
• Question:-How could I achieve student loan forgiveness?
  I am graduating with a master's degree in civil engineering in May 09 and I owe $50,000 in student loans. They are all Federal Staford loans; half unsubsidized and half subsidized. I've seen partial loan forgiveness programs for the state of Missouri. However, I live in Texas so this doesn't help my situation at all. Any thoughts (excluding loan consolidation)?
  
  Answer:-I forgive you
• Question:-Working for a non-profit community college, at any capacity, qualify for student loan forgiveness?
  I recently found out about student loan forgiveness and some of requirements. I work at a community college, but, not as a teacher. Would that qualify me for loan forgiveness?
  
  Answer:-yes. possible. write in
• Question:-Where can I find some information on the new student loan forgiveness program?
  My fiance and I are buying a house but she has a TON of student debt (roughly $118k) which is getting in our way. She makes practically nothing as a social worker, and I've read that the new program gives forgiveness to teachers, civil service workers, and possibly social workers.
  
  Do you know where I could find more specifics on this? Anything would be helpful. Thanks!
  
  Answer:-Department of Education has very specific rules for their student loan forgiveness policies for those who work in public service. Page 47 of this book describes the details of having loans forgiven. Note: these are for FEDERAL loans only. If she has private student loans (or she consolidated loans after graduation, she may not qualify.)
  http://studentaid.ed.gov/students/attach... (page 47)
  
  What is a public service job?
  Eligible public service jobs are full-time jobs in the following fields:
  • Emergency management
  • Government
  • Military service
  • Public safety
  • Law enforcement
  • Public health
  • Public education (including early childhood education)
  • Social work in a public child or family service agency
  • Public child care
  • Public service for individuals with disabilities
  • Public interest law services (including prosecution or public defense or legal advocacy in low income communities at a nonprofit organization)
  • Public service for the elderly
  • Public library sciences
  • School-based library sciences and other school-based services
  • Certain tax-exempt organizations
  • Faculty teaching in high-needs areas, as determined by the Secretary
  • Full-time faculty member at a Tribal College or University
  
  Note: A borrower who pays only, or primarily, under a 10-year standard repayment plan or under another repayment plan in amounts consistent with a 10-year standard repayment is UNLIKELY TO HAVE A REMAINING BALANCE for loan forgiveness after making 120 payments on the loan.
  
  (This is why no one ever really qualifies, they passed the law, but if the person actually pays on it for 10 years, they pay the loan off!!!!) Stupid, worthless benefit that looks good on paper but never gets used unless someone takes a job working for minimum wage after they earn their degree.
  
  How do I qualify for this loan forgiveness?
  To be eligible to have remaining balances canceled, you must not be in default on the eligible loans and must have made 120 monthly payments on the eligible loan(s) beginning after Oct. 1, 2007. Earlier payments do not count toward meeting this requirement. Payments must have been made under any one or a combination of the following Direct Loan Program repayment plans.
  
  • Standard Repayment Plan with a 10-year repayment period.
  • Income-Contingent Repayment (ICR) Plan—not available to parent Direct PLUS loan borrowers.
  • Income-Based Repayment (IBR) Plan—not available to parent Direct PLUS loan borrowers.
  • Other Direct Loan repayment plans, but only payments that are at least equal to the amount that would be required under the 10-year Standard Repayment Plan may be counted toward the required 120 payments.
• Question:-I am looking for ways to get Student Loan Forgiveness Do you know how?
  I have seen programs in the past where if you Teach for a year x amount of your student loan would be erased (paid off). I have also seen a program with the state department. Does anyone know of any other programs?
  
  Answer:-Here's one of the best kept student loan repayment secrets and employment benefits -- many employers will help pay off student loans as part of an employment incentive contract. Indeed, numerous employers, such as state agencies, colleges, hospitals, law firms, and law enforcement agencies in needy locations, provide student loan repayment standard salaries and benefits.
  
  Most of the 'forgiveness' programs are actually payment options. Certain jobs, teachers for example, will reduce, but not eliminate the loan, or give you more time before the payment comes due. Lots of places advertise 'student loan forgiveness' but they are high interest loan companies that get the government off your back by paying your loan and then you have a lower payment, but you will pay back 3 times as much after interest rates.
  
  Best way is to find a low cost loan and pay it off.
  
  Speaking from experience, they DO NOT forget or give up. They got me years later. To be honest, I had forgotten about it, but I still had to pay up after all those years.
  
  You can stay in school full time and then the due date is extended until you are out of course.
• Question:-How does a military vet Find student loan forgiveness programs, or grants.?
  I've got an old student loan that i just cant afford to pay of, the lender keeps changing
  
  Answer:-As far as I know there is no program for Vets. The only thing you can dispute is if your military service interfered with the completition of the class. You should be able to set up a payments plan.
• Question:-Does anyone have a list of school districts that offer student loan forgiveness?
  I am looking for a list of any school districts that may be available on a website that you might know of that offer student loan forgiveness if you teach there for a certain amount of time.
  
  Answer:-Contact your student loan lender, they will know or point you to where you can look it up.
• Question:-student loan forgiveness and government plant does it exist or not?
  I heard a few weeks ago about a government plan to forgive student loan debt (U.S.) by teaching in a foreign country or something like that? is this plan in existence or is there something like it? ty.
  
  Answer:-They allows people working in qualifying jobs to have federal loans forgiven if the borrowers are unable to repay their debt in 10 years of regular payments. Once you've made those 120 payments while employed in the right job, the remaining interest and principal are forgiven.
• Question:-What would the impact be on the economy if there was loan forgiveness on all outstanding student loans?
  What would the impact be on the economy if there was loan forgiveness on all outstanding student loans? Especially now during the financial crisis.
  
  Answer:-