Monday, December 10, 2012

What could entitle a witness to ask questions like a lawyer?

Q. This is a hypothetical situation. How would somebody acting as a witness be able to ask questions to a suspect? For example, if the witness were to point out the suspect in the crowd. How would a judge handle this?

A. A witness would not be allowed to cross examine a suspect. The judge or attorney might take the witness's testimony, then ask questions based on it.


Why do people ask questions that could easily be solved by google?
Q. Why do people ask questions that could easily be solved by google?

Why do people ask questions about what song this is (when they have the lyrics) or what is the definition of this word? I mean come on, all you have to do is google it and you will have your answer in less than 30 seconds.

A. Probably because they want to have some sort of human interaction. Of course, by using the computer to ask the question, they're making their concept of a human communicating with them a little dreary.

Or they think Google is out to get them.


How do I ask questions on Tumblr as my secondary blog?
Q. I have used the 'make another blog' addon to my personal acc feature on tumblr for a roleplay. How do I use it to ask questions as that account rather than my personal?

A. If your secondary blog is on the same account as your primary one, your primary blog's username is the only one able to ask questions tumblr. If you want to start from scratch you can create another email address and start a blog from that account but otherwise there is no way to do it.


What's the best site to ask questions about gaming computers?
Q. I want to ask questions about specs for a computer dedicated to mmorpg's. What is a better site to have these questions answered?

A. tomshardware.com is considered one of the best. overclockers.com is also another great site.

Also, you can ask on the Steam forums: steampowered.com





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Why does everyone here give wikipedia answers for the questions?

Q. If we wanted wikipedia answers we would go there ourselves.

A. I agree- there are many lazy people on here, the point of Yahoo! answers is for people to give you answers from a variety of experiences, this is not a lookup place for Wikipedia. Why does this happen? Maybe people like Wiki so much that they dont trust anyone else for info to give them points. You should use an encyclopedia plus your own input.


Is there a better site than YA focusing on Science and/or Art related questions?
Q. Is it worth checking out some forum at Nat Geo or Discovery, or some other site i've missed?
Or is Yahoo really the best source of questions/answers ?
Sometimes it just seems like all the sports, spirituality, & dating garbage is distracting here.

A. It is not easy to have direct answers to all questions you meet.
There is a lot of stuff here but not precisely grouped.
If you have the right keywords, wikipedia, wikipedia references, newscientist.com, sciencedaily.com, spacedaily.com, .org and .gov sites etc are there. You should Google for knowledge. Is not totally free, have some time. Because it worths.


Did congress during the Clinton administration take funds from social security to balance the budget?
Q. I'm a bit confused on issues concerning why social security is so low now in 2008. If that started with Clinton, possibly to balance the budget. If social security was in trouble before Clinton and if it worsened with Clinton or not...Was checking wikipedia but couldn't get a lot of these questions answered.

A. Yes, they did use Social Security to "balance" the budget. All Congresses have used the Social Security surplus since LBJ.

October 19, 1999
White House, Congress promise not to raid Social Security

Promises vs. realities

"We're still troubled by the CBO analysis that we're using Social Security trust funds, at least $19 billion," admitted Daschle.

"Most government experts acknowledge that Social Security�s trust fund is little more than a ledger entry. Indeed, in last year�s budget documents, experts within the Clinton�s own Office of Management and Budget wrote:

"These balances [within the trust fund] are available to finance future benefit payments and other trust fund expenditures � but only in a bookkeeping sense. Unlike the assets of private pension plans, [government trust funds] do not consist of real economic assets that can be drawn down in the future to fund benefits."


"Here's how the raid works: The surplus payroll tax dollars go into the Social Security Trust Fund, which in turn uses them to buy special issue bonds from the U.S. Treasury.

Then Congress can use those dollars, in the Treasury, to spend on anything it wants. All that Social Security has are the bonds. The bonds pay interest, but Congress raids the interest, too, by simply placing more bonds in the trust fund. The trust fund itself is a FILING CABINET in West Virginia � it doesn't have any real funds in it and you probably shouldn't trust it."


July 29, 2005
"Stop the Raid": Fiction vs. Fact

"FICTION: �Stop the Raid� legislation would increase the federal budget deficit by more than $1 trillion over 10 years, without fixing Social Security�s long-term solvency problem.

FACT: �Stop the Raid� legislation does not increase the long-term national debt. Eliminating hidden borrowing will appear to increase short-term deficits, but this is because Congress only looks a few years into the future when it does its budget. Look a few more years out and neither the amount of spending nor the amount of borrowing will change. The only change is that Congress is forced to report the actual level of its deficit spending instead of using Social Security as a slush fund to conceal part of it from the American people."


How to delete your yahoo answers account without starting new?
Q. How do I delete all the questions and answers with out starting a new account?

A. You can't.

"...Some privacy concerns have been raised regarding embarrassing or private information. Users can not delete their accounts. A user can only "deactivate" an account but the profile, questions, and answers remain visible and searchable. Prior to 2010, a new user's default privacy setting would enable any other user to send an IM or contact him or her via inline mailing system. Post 2010, the default privacy settings were such that a new user can only contact another user via Yahoo! Pulse (unless the user has activated communication via the IM and email option in the settings page).[citation needed] ..."


http://en.wikipedia.org/wiki/Yahoo!_Answers





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Is there a website where I can answer questions and get money?

Q. I want a website that doesn't give me viruses, a fun website, a website where you answer questions and get real money!

A. fixya.com ( i don't work for them) has a choice for an Asker to pay to get an answer. If you are good at answering, they give you a title like "Expert" in a category. There are lots of complaints online that the Experts only gave a link to a manufacturer's website. That may count as an "answer" but it did not really answer the question.

Or you set up your own website and offer answers for a set fee.


I'm doing research studies answering the question that do friendships turned romantic really work?
Q. Websites answering this question would be of great use. This is for a gender communications course
This is for a Gender Communication course. Websites would be of great help

A. Why yes they work..
They are even a song wrote
"When friends become lovers"


Is there another website called Yahoo Questions where you can just answer questions?
Q. Instead of Yahoo Answers I'm looking for a website where I can just answer questions other people have all day.

A. No, if no one asked the questions then there would be no questions to answer. However, you can do that here, just don't ask any questions.


Does anyone know of a good accounting website to help beginners understand terms?
Q. ...I dont mean software, but a website that can answer questions like what a trial balance is, the meaning of cash flow statements, etc. I have no idea what that is.

A. The 3 I find very good for beginners are:
http://www.accountingcoach.com/

http://www.principlesofaccounting.com/chapters.htm

http://www.cliffsnotes.com/WileyCDA/CliffsReviewTopic/Accounting-Principles-I.topicArticleId-21081.html





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How does car insurance work? (also whats better buying a car vs leasing)?

Q. well im 16 right now. planning to save up till 18 and buy a car. my first question is, how does car insurance work? i know you have to pay monthly and depending on each car its different but would car insurance be cheaper when the car is leased? or when its bought?

also i know each car depreciates alot every year. at first i was thinking of leasing it but now im not sure. can someone tell me what would be a better choice on the long run?

A. Insurance companies have the data on millions of miles of travel for millions of people of all ages; using this data, they know exactly how likely you are to get into an accident and how much it will cost. Using this data, they bill you ahead of time for your accidents in monthly increments (actually, this is a gross simplification but you get the idea).

Do not lease a car!
Leasing is total fail - the only way leasing works in your favor is when your company pays for it (or you are able to deduct the payments from your taxes). The leasing company figures out how much you will drive over the life of the lease, how much the car will depreciate, and what they will be able to sell the car for when - they add all this up and divide it by the number of months of the lease. Then they add in their profit. You have to pay a couple thousand dollars to begin the lease and when the lease is over, they will bill you for any mileage over what they calculated and bill you for any loss when they sell the car. Most leases are bogged down with so much fine print (and BS) that you have no real idea of the cost you only know what the monthly payments are -- remember that you have to pay a lump sum at the beginning and another at the end.

Leasing is for losers - if you can work the lease so your company is the loser, good for you.


Is car insurance absolutely needed for a car?
Q. I will be purchasing my first car sometime this year. I don't know anything about insurance and I'm really not knowledgeable when it comes to things like this. So my question is, is car insurance a requirement when owning a car? Do you need it? Is it expensive and how does the process work?

Cause I'll be getting my first car soon and I don't really know insurance plays a role in all of this.

A. If you are in the USA, yes, car insurance is required by law in every state but NH. If you are leasing or borrowing money to buy a car, the leasing company or lender will require full coverage insurance to protect their investment.


Do car insurance companies know when you receive a moving violation?
Q. When you ask for a new car insurance quote from your current or a new provider they always ask the question if you have been involved in an accident or have been pulled over recently etc, etc. My question is, do they already know this info and are they maybe testing me or do they really don't know? I've had two moving violations within the past 5 years and I'm wondering how to answer these questions when I shop for insurance on a new vehicle.

A. if you have gotten a ticket or two or three, i would stay with the same company and not make too much noise. unless you get in an accident, the likelihood of the insruance company running your driving record is almost zero. they won't know. if you try to go to another company - they will run your driving record - bank on it. and, the ticket(s) will show up and their quote will be higher as a result. Your current company does not know about it. Stay w them and don't make any noise.


Question about paying different types of house bills Chicago IL?
Q. Ok so basically my girlfriend an I want to move into a studio apartment together in Chicago, IL. Rent with free heat comes to 500 a month. Now we will both together be making 1.1 grand to 1.8 grand while going to college. Question is without car insurance and about 80 to spend on gas a month, what other bills do I have and will I be able to cover it? We only eat about 100-150 whorth of food a month.

A. I don't know...what about electricity, water, medical expenses, incidentals, clothing, personal care products etc etc...Haveing no insurance is just stupid.





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How can I get commercial vehicle insurance?

Q. i need to get commercial vehicle insurance for my air conditioning service fan, but i want a really good price and need to get numerous quotes, how can I go about this? is there any websites that can give you quotes?

thanks.

A. Call a local independent agent. Independent agencies will have multiple markets to shop you to. You can also try direct write companies like Allstate, Farmers etc. Who does your personal insurance right now? Give them a call first and see what they might have available.


In New York State do you have to have vehicle insurance while driving a rented truck?
Q. OK ill explain this as simple as possible. I rented a truck from a truck rental place and opted out of the insurance. I have vehicle insurance and so does anyone else who was going to be driving the truck. One of my friends was driving the truck and caused damage to the truck. He was not on the rental contract to be driving the truck. He does have his own vehicle insurance. My question is will his insurance company cover the damages? I was under the impression that in NYS, no matter whether or not you should be driving the rental truck your insurance will cover you. Thanks ahead of time.

A. No, it won't.

There are several different ways a policy can be written, and not all policies will carry over onto a rental. And for physical damage to carry over, you must have physical damage on YOUR car, and YOUR car must be off the road - ie, in the shop, and NOT available for use. It would only carry over, if you are the NAMED insured (not a listed driver), and it only carries over to a substitute vehicle that YOU rent.

HOWEVER. When it DOES carry over, it only carries over to PRIVATE PASSENGER type vehicles. Not trucks. So even if he had coverage, AND his vehicle was off the road due to not running, AND the policy was in his name, AND the policy form allowed carryover for substitute vehicles, it wouldn't carry over to a TRUCK.

Sorry. His insurance won't cover. Neither will yours, as this is a TRUCK.


Why do people compare mandates on health insurance to vehicle insurance?
Q. Considering that most mandates for vehicle insurance usually only include liability which protects other people if you do something stupid, but health insurance is the opposite.

A. Because they are ignorant of the facts and it has nothing to do with choosing to drive or not.

As you mentioned, with car insurance you are only required by the government to get liability coverage. If you dig deeper the real fact is you are actually only required to show financial liability. Most people do that with insurance, but every state will allow you to post a financial bond instead of insurance. The amount of the bond will vary by state but in my state it is $40,000. You can find the information for your state on your state department of insurance website. It can be difficult to find with some states, though.

The other car insurance coverage that is "required" is comprehensive and collision, which are required by your lender, not the government. As long as the car is paid off you don't have to carry that coverage.


how can i get my vehicle insurance with out meeting with an accident?
Q. i there any way that i can get my vehicle insurance with out meeting with an accident.
i have insured my vehicle.how can i get money for my vehicle with out meeting with an accident.

A. Most people who get vehicle insurance don't "meet with an accident". Otherwise it would cost a lot more.

Unless you mean, you want to get vehicle insurance to COVER an accident you've already had. It's too late for that.

Or, maybe you mean, you want to buy it, without meeting an agent. So buy it over the internet, at www.progressive.com.





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Can you cancel a Life insurance policy over the phone?

Q. My mother in law past away suddenly three years ago. We found out through the executor of the will, (brother in law ) that there was a life insurance policy that was never mentioned. When we questioned him on it. He said it was payable to one child of the four (my husband) but it was never mentioned because he said the policy was canceled over the phone. I was told by a lawyer that policy can only be canceled in writing or it can lapse for non payment. Is there a standard that is upheld for life insurance cancellations?

A. No Insurer (Life Insurance Company) is going to cancel a life insurance policy over the phone. Even if the state insurance laws did not exist, the company could be dealing with an unauthorized person and would be held liable in a lawsuit. A witnessed signature is required in order to cover their �assets.�

The Premium Payer, however, may be able by telephone to stop automatic premium payments (such as those made by monthly check draft). This would ultimately result in the lapse of the policy. Yet in that case, before the policy lapsed the Insurer would send notices by mail to the last address of record for the Owner of the policy (who is not necessarily the Insured). If the Owner had moved and had not updated their address with the Insurer, the policy could lapse due to no fault of the insurance company.


How does att cell phone insurance work?
Q. When you get phone insurance with att how does it work? My friend is talking about getting a "replacement" phone even though his doesn't have any problems just so he has an extra one. Would att find out if he did that? Is it even possible?

A. he would have to actually buy another phone to have an extra phone. to receive a replacement phone, you have to call assurion. they will send you a new phone like the one you have or similar if no longer on the market. you have to pay a $50-$100 deductable depending on the phone. the insurance policy with att requires you to send back the "broken" phone once you have received your replacement phone. if you do not return it, you will be billed for the price of the phone.


Does anyone know how soon after you purchase mobile phone insurance can you make a claim?
Q. Four years ago, i got a contract phone from the Car-phone Warehouse, the provider was t-mobile and on the same day I took out an insurance policy. Every year afterwards I got an upgrade, I never cancelled my policy and the direct debits continued to come out every month from my account. On the 18th November 2006 my upgrade was a sony K800i, last week i dropped my phone and broke the 'inner' screen, i immediately phoned the Carphone Warehouse (whom I have paid a substantial amount of money to over the last few years) to find out if they would fix it, and they informed me that as I had upgraded with t-mobile i was not covered (and hadn't been covered for 3 years). The money I have therefore paid was for absolutely no reason! I now would like to insurance my phone with a decent insurance company, any suggestions??? How soon after i insure can I ask them to fix my phone??? Any replies would be greatly appreciated.

A. as soon as you activate your phone


How can I transfer a life insurance policy?
Q. My parents took out a life insurance policy on me when I was a child. I am now married and would like to transfer it into my name with my wife as the beneficiary. Is this possible?

A. Yes. You can transfer ownership of a policy into your name - since you are the insured.

Also, you can have the beneficiary changed to your wife. You may need to wait until ownership is transferred to your name however.

Look in the policy itself for the ownership transfer privilege and the beneficiary section. The rules should be spelled out clearly within the policy as to how you can go about making the changes you want to make.

If you have questions, call the life insurance company directly and speak with a customer service representative. The phone number should be printed on the cover of the life insurance policy. Have all your questions written out to refer to once you are speaking with the company representative.

Make sure you ask them to send you a copy of their responses in writing if you want to keep it for your file. Or, maybe you could go to their company web site online and e-mail them your questions. This way, they will reply with an e-mail outlining exactly how to make the changes. I'm sure this happens frequently with juvenile life insurance policies from Globe Life or Gerber Life, so the insurer should be used to getting this question.

I hope that helps! Best of luck to you and make sure to get it in writing for your files. Also, if you are considering adding some coverage then you may want to go to http://www.term-life-online.com They offer a lot of information, articles, tips and things to know about term life insurance to help you in making an informed decision about your life insurance plan.





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Do car insurance companies know when you receive a moving violation?

Q. When you ask for a new car insurance quote from your current or a new provider they always ask the question if you have been involved in an accident or have been pulled over recently etc, etc. My question is, do they already know this info and are they maybe testing me or do they really don't know? I've had two moving violations within the past 5 years and I'm wondering how to answer these questions when I shop for insurance on a new vehicle.

A. if you have gotten a ticket or two or three, i would stay with the same company and not make too much noise. unless you get in an accident, the likelihood of the insruance company running your driving record is almost zero. they won't know. if you try to go to another company - they will run your driving record - bank on it. and, the ticket(s) will show up and their quote will be higher as a result. Your current company does not know about it. Stay w them and don't make any noise.


Question about paying different types of house bills Chicago IL?
Q. Ok so basically my girlfriend an I want to move into a studio apartment together in Chicago, IL. Rent with free heat comes to 500 a month. Now we will both together be making 1.1 grand to 1.8 grand while going to college. Question is without car insurance and about 80 to spend on gas a month, what other bills do I have and will I be able to cover it? We only eat about 100-150 whorth of food a month.

A. I don't know...what about electricity, water, medical expenses, incidentals, clothing, personal care products etc etc...Haveing no insurance is just stupid.


How agent get commission in auto car insurance?
Q. i have assignment to do and i need your help please. my project about auto car insurance. my question is, what are steps that agent need to get commission? and how he get it.
thank you.

A. 1. Get licensed to sell insurance
2. Get appointed with an insurance company to sell their policies
3. Sell auto insurance policies
4. Wait two months, for the insurance company to mail you your commission check.


Will getting a ticket in them mail from a Red Light Camera in Pennsylvania effect your car insurance?
Q. At a intersection I was in a turning left lane. We must of been sitting there for atleast 8 mins and it went through atleast 3 light changes and did not let us go. The person infront of me and myself went to take the left turn.

My question is will it effect my car insurance? From what I understand its a point system and does not effect your car insurance but I just wanted to make sure.

A. No it will affect your insurance. The effect will be a higher bill.





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