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I’ve had too many to count. Working at customer service at Walmart you will see just about anything. I’ll give you a few.• A woman comes up with a bag of what appears to be red mud. She plops it on my counter with a wet sploosh. The customer shoved a receipt in my face while explaining she needs to exchange her dress for a new one. She’d only gotten to wear it to church once before she tripped and landed in a mud puddle.I blinked before prodding the muddy dress in the bag. I took a deep breath before explaining, as nicely as I could, that clothing exchanges just don’t work that way. The only way we could exchange or refund an article of clothing was if there was a factory defect or if the clothing was in new condition.The woman insisted that she had always exchanged her ‘stained’ clothing with us. I explained that after items left the store, they belonged to the customer, unless damaged by the manufacturer, or in new condition, and we did not exchange stained clothing. She blew up and went through two CSMs and a front end manager before grabbing her muddy dress and storming from the store.• A woman came in with a totally empty cake box and demanded another cake and her money back. The cake, she said, had been for her daughter’s birthday party and it had been stale and was disgusting. I asked her where the cake was and she huffed and rolled her eyes, telling me that it was a party and they HAD to eat it. I turned it over to the bakery manager. She took great pleasure in telling the customer she had to have at least a bit of the cake to do anything.• A man came in with a swimming pool that he claimed was two years old because grass had grown through the liner. It smelled so bad all the customers in line left. I was gagging too much to do anything until a coworker shrink wrapped the nasty thing.The customer had no receipt but claimed he paid $500 for it. I told him that even with a receipt, we could only do an exchange within 90 days. I had a CSM over ride me on this one, even though we didn’t even carry the same pool. There was no way to even ring it into the system.I told my CSM that I would have nothing to do with the transaction and made her sign everything. I warned her someone would get fired over this transaction and it would not be me. True to my words, I was called into the store manager’s office and told to explain myself. I explained that the whole thing was the CSM’s fault and she was fired.• A lady brought in an opened DVD and wanted her money back. Copyright law prohibits this. We can exchange for the exact same title but no refunds or title swaps. I told her I was sorry and explained the law. She goes into a full blown rant because she wanted the same movie she saw in the theater but this one was modified.I asked the customer what she was talking about and she tells me it says it’s been modified right at the beginning of the movie and she wanted the same one from the theater, not some modified crap. Obviously, she was talking about the screen that tells you the film has been modified to fit your tv screen. I asked her if she had watched the movie. No. She hadn’t wanted to bother since she knew it wasn’t what she wanted. I explained the modification was only to the size of the film, not the content. She gives me this blank stare and tells me not to blow smoke up her butt. Okay. I try again. Telling her to just take the movie home and watch it, promising that it’s the same movie.The customer became so upset that I had to call in both a CSM and the Electronics manager. They pulled her aside and tried to explain things to her with no success. The customer threw the DVD at us and stormed off.• A customer came in with a desktop computer to exchange. I asked him what was wrong with it and he told me it was an oversized paper weight. He said it did nothing and would not even turn on. I pulled it out of the box, plugged it up, hit the power button, and it immediately started booting up. The guy gapes at me for a moment before asking what I did. I told him I had plugged it in and pushed the power button. He said he hadn’t realized there was a power button. We packed it back up and he took it back home.

Payoff.com is a social finance platform enabling communities to fulfill their individual and collective dreams. We launched public beta in January 2011 and have collected 1,000+ dreams, of which over 90% are related to money. Payoff helps people fund their dreams and signNow their goals, like saving for a house or vacation, adopting a child, paying off credit cards, and starting a business, in addition to connecting them with other people working towards the same things. The current product enables users to share their dreams, set up goals, link and track financial accounts, earn badges, and receive cash Sur-Prizes for progress. We provide tools from top-quality partners, as well as educational content to help move users to action and success. Ultimately, we provide a more intuitive way for users to understand how they are spending their life -- it’s not about the dollars, but it’s about the positive use of money, time, talent, and charity. We aim to own dreams and achievement on the web.  Payoff will create meaningful social connections and dialogue through dreams, goals, implicit communities based on personal transactions (the “real-life check-in”), and our partners.  In addition, our relevance and recommendation engine is guided by a Science Advisory Board, with leaders from Cal-Tech, USC, and Northwestern. We recognize that achievement and financial behavior, like most decisions, is driven by emotions, not budgets and lists, and we are signNowing people in this emotional space. One user told us, “I feel more encouragement from these badges than I think you will ever know.  I'm not the most emotional person but I have been so poor for most of my adult life trying to get through school that the day  [the] "STASH" badge was awarded to me I cried!” Payoff is founded by Scott Saunders (Walz Group, Inc 500) and Eden Warner (pre-revenue to profitability CFO at Fandango), along with folks from Yahoo! and SpotRunner. You can view a video about us at and contact us at scott@payoff.com. Also, check out what folks are saying: AOL WalletPop: http://www.walletpop.com/2011/01...Business Insider: http://www.businessinsider.com/p...U.S. News Money: http://money.usnews.com/money/bl...

Individuals who don't own businesses spend tens of billions of dollars each year (in fees and time) filing taxes.  Most of this is unnecessary.  The government already has most of the information it asks us to provide.  It knows what are wages are, how much interest we earn, and so on. It should provide the information it has on the right line of an electronic tax return it provides us or our accountant.  Think about VISA. VISA doesn't send you a blank piece of paper each month, and ask you to list all your purchases, add them up and then penalize you if you get the wrong number.  It sends you a statement with everything it knows on it.   We are one of the only countries in the world that makes filing so hard. Many companies send you a tentative tax return, which you can adjust. Others have withholding at the source, so the average citizen doesn't file anything.California adopted a form of the above -- it was called ReadyReturn. 98%+ of those who tried it loved it. But the program was bitterly opposed by Intuit, makers of Turbo Tax. They went so far as to contribute $1 million to a PAC that made an independent expenditure for one candidate running for statewide office. The program was also opposed by Rush Limbaugh and Grover Norquist. The stated reason was that the government would cheat taxpayers. I believe the real reason is that they want tax filing to be painful, since they believe that acts as a constraint on government programs.

Around 1993 or 1994, I was working at a community clinic, which is basically slave labor for trainees / interns. Little to no pay, but you get supervision and rack up a lot of hours quickly. Mental Health Services were on the 4th floor, and regular health services were on the 3rd floor, and we’d get a fair number of referrals from the health clinic. A lot of drug users and alcoholics, cases of abuse, runaway teenagers, and so forth. If you were one of the on-call trainee / interns, you handled the walk-ins and referrals as they came, so you never really knew who or what was going to walk in that door.I had a walk-in one afternoon, and this guy could have been my youngest brother’s twin. I did a double-take when he came in the door, holding his referral slip from downstairs in his hand. He told me his name, it was the same name as my brother. So that was a little unsettling. He filled out his paperwork slowly, distractedly but only got about halfway through it and then came back to the counter and asked if it was necessary to finish the whole form, or could he do it later, or while we talked? Sure, that was not a problem, so I led him to one of the session rooms. He sat down and handed me his form, half filled out. I looked it over; his handwriting was neat and legible, so apparently not a drug addict or alcoholic. No spelling errors, he had the day and date correct, so no cognitive issues, at least not yet. He was dressed casually but appropriate. Typical 19 or 20 year old kid, damn if he didn’t look just like my little brother. And the same name, too.I was still scanning over his paperwork, and was just about to ask him what brings him here today, and how can we help him, when my eyes hit on the point at which he had stopped filling out the form. He had only just now come from getting the results of his blood test: positive for HIV.I didn’t need to ask what brought him here today.There sat my little brother’s double, across from me, barely 19 or 20 years old, looking me straight in the face, white as a sheet, and incredibly sad and terrified at the same time and begging for someone to do something to make this go away and not be real, to turn the clock back one hour, one week, one month and change everything. What can you possibly say in a moment like this? “How can I help you?” That falls so far short of what is wanted and needed.In all honesty, I can’t remember how the rest of that hour went. I vaguely recall setting up some plans with him to follow up with the health clinic, keep his next appointment, talking about next steps, etc. Filling out the rest of his paperwork with him, and writing some action items down for him. At one point while we were doing this, he looked up at me and in a small voice, barely above a whisper, said, “I don’t want to die.”What do you say? What words can possibly be helpful? Rather lamely, I answered, “I know.” Then the dam burst. This was going to kill his mother. He had been kicked out of his house when his parents discovered he was gay; he had been living on the streets; gay for pay to be able to eat and pay rent; but he had recently found a full-time job, and a decent apartment, and had started to patch things up with his parents (through his sister, with whom he had stayed in touch). It had looked as if a reconciliation might be possible. And now this…What can you say? I don’t remember the rest of the session. What I remember is the look in his eyes when my little brother’s double told me he didn’t want to die. I can still see that and hear him saying it. After that, the rest of it is a blank.That was the hardest hour I had with a client.

The surprising truth about English in GermanyWhen I first visited Germany for the first time more than fifteen years ago, I got the impression that everyone spoke English: My partner’s family, friends and acquaintances all spoke English. Even though some were not fluent, all of them could express themselves fairly well in English. During that visit, we did a small tour of Germany starting from the small town in Southwest of Germany) near Heilbronn where my partner’s family lived and headed to Berlin in the north about 600km away and then to Hamburg to the North-west and back. During this trip, pretty much everyone I encountered spoke English. I also noticed an eagerness of sorts among the many Germans I met to speak English. Strangers would often ask me probably because I looked different whether I spoke French or English. Needless to say, I concluded that one could get by in Germany without speaking German which as I later found out was at best naïve and at worst, well, very naïve :-)Living in Germany when you barely speak GermanA year after my first visit, we again visited Germany and this time I had an inkling that maybe not everyone spoke English. We drove to the southern town called Konstanz to visit his aunts and uncle. Konstanz is a border town bordering Switzerland and is a very popular tourist destination. His uncle’s and aunts’ English was halting and since I barely spoke German, my husband did most of the translations.Konstanz on Lake Constance (Bodensee)Soon after, we finally moved to settle in Germany.As soon as we arrived, we set out looking for a place to rent. This phase was very difficult but we eventually managed to get a place largely because of help from my husband’s family and friends.This early period was exciting mainly because there was so much to learn and to be shocked and surprised about. One of the things that I remember being particularly shocked about was the fact that one had to buy their own kitchen whenever they move into an apartment. A built-in kitchen is not part of a German lease. The other thing was the shocking figures/amount of money one had to pay the real estate agent. I think we paid two months’ rent as commission to the real estate agent and a month’s rent as deposit.But all these pale in comparison to what awaited me. As soon as my husband started working, I settled into my new life and went about learning German. I suddenly had to do things for myself, for example, buy myself a tram ticket, shop for food, just run daily errands and at this point I started realizing what I had deep down suspected: that most Germans don’t speak English. Like my husband’s extended family, they understand English but it isn’t a language that they are comfortable speaking. I remember especially dreading going to a bakery. I would walk into a bakery and feel a latent dread. The baker behind the counter would look up at me with an expectant face. I would fumble trying to decide what to order and how to say it correctly in German. And almost always, there would be someone waiting in line and watching and listening impatiently to the ongoing circus. I resorted to just using my hands pointing to what I want and nodding or shaking my head. The few times I attempted to talk in English, I was often met with blank faces or puzzled irritated looks.Visiting a doctorBut if I thought that this was bad, it was about to get worse. At around that time, I went to a gynecologist. I was then expecting our first child. My husband had called them and made the appointment for me but I went alone. When I arrived at the doctor’s practice the assistant handed me a bunch of forms to fill but they were all in German. With my basic knowledge of German, I could neither read nor understand what was in the forms. The two assistants spoke no English. I still vividly remember the exasperation on their faces when they realized that I could barely speak German. They had to do a blood test, measure my blood pressure, do urine test and all kinds of stuff and they had no idea how to communicate that to me. One of them, the younger of the two held her arm and then pointed to my arm and then to a blood pressure cuff. She repeated the process with a syringe to communicate that she needed to get some blood. When it came to urine, she didn’t quite know how to demonstrate but I somehow understood what she meant. To call that experience a nightmare would be a huge understatement. Luckily, the gynecologist, walked in and to my relief spoke to me in perfect English.This particular episode repeated itself several times. Whenever I went for a doctor’s appointment, whether dentist, gynecologist or whatever doctor, the assistants tended to not speak English while the doctors tended to speak English. The challenge however was that most of my interactions were with the assistants. I had to call them to schedule the appointment and to somehow manage the pre-appointment stuff before seeing the doctors.Losing confidence and feeling miserableIt was almost as if the Germany I had visited previously where everyone spoke English was a different one from the one I had settled in.The effect of all these on me was a massive erosion of confidence. Not being able to express myself and listening to people discuss issues affecting me without my input is one of the most humbling things that I have ever experienced.I continued learning German even more determined to overcome the difficulties and break out of this nightmare. I was surprised at how naïve I had been about the German language. For some crazy reason, I had convinced myself when I first started learning German that it wasn’t so different from English. ‘Guten morgen, Good morning’! sounded very similar to me. And now to my horror, I was finding out that it wasn’t just different, it was on a totally different level. Every noun had an article (die, der, das) which ultimately affected how to conjugate and construct correct sentences. Not using the correct article could easily make one sound like a moron which I did for the most part. The worst part was that these articles were all random and you somehow had to just know by heart that a table is male, milk is feminine and a book is neutral.Needless to say, Learning German was a long and frustrating experience. Regardless of how much I learnt, I often had the feeling that I couldn’t quite communicate with normal folks. There is something about learning a language from a text book that is quite unnatural and rigid. I had seen and experienced this in Kenya where tourists armed with Swahili lessons would go around telling people ‘jambo’or ‘hakuna matata’ .While this is all correct and proper, no Kenyan actually goes around greeting people with ‘jambo’ or saying crazy stuff like ‘hakuna matata’. It is very touristic and awkward.I was increasingly faced with a situation where my German was improving but the quality of my interactions was not. I felt awkward and unsure of myself. The other thing is that I felt an intense sense of shame whenever I was unable to express myself or made mistakes. Learning a language involves a lot of trial and error. One has to practice in order to get better. While this process is relatively uncomplicated for children because they don’t feel ashamed when they make mistakes, it becomes more complicated the older one grows because as adults we feel self-conscious. Being corrected is kind of cute when you are travelling around a country as a tourist but when you live in the said country, you start feeling the condescension that comes with it. I naturally resented this. As a result, I started avoided talking German unless I was 100 percent sure that whatever I was saying was correct. This is probably the worst strategy when learning a language. The less I talked, the less practice I got which ultimately meant that I was trapped in a vicious cycle of stagnation.Watching from the sides, a spectator in own lifeMy husband seeing my frustration decided that he was going to help me out by practicing German with me. We would only talk in German to each other. By doing that, I would practice listening and talking German in a safe environment. This didn’t go well. I would concentrate on trying to construct correct sentences and he would point out the errors and explain how to say them correctly. While on the surface this might sound like a brilliant idea, the reality was that it turned our lives into a monotonous dreary existence. I would often be pissed off at his incessant enthusiastic corrections. And he would be frustrated at my frustrations. After a few weeks, we were done. We went back to talking to each other in English.I can describe my life then as being trapped in a parallel universe. It’s incredibly tiring to communicate by using gestures or to constantly look through dictionaries to figure out how to say something correctly.I really missed a normal life. I missed small talk. I missed laughing. I found out that it’s impossible to laugh when you don’t understand what’s going on around you.I lived in Germany without living in Germany. I could see what was going on around me but I was a spectator in my own life. I had, like many foreigners taken the English in Germany at face value.5 important points to remember about English in GermanyThere is a very big difference between visiting a country and actually living there. When you visit a country as a tourist, you concentrate on doing fun stuff. You are not going to work or running day to day errands.What this means is that one is often surrounded by people whose objective is to make one’s life as painless as possible. What I didn’t realize and painfully learnt was that these kinds of people are the minority rather than the majority in any country. Germany is not an exception.Many Germans understand English but because they don’t practice it, they do not necessarily feel comfortable speaking it. I believe that this was the case when I first arrived and continues to be the case even today. English in Germany is largely passive.As a tourist, you can get away with speaking no German. People will go out of their way to help you out. This luxury is not accorded to foreigners who live in Germany. I for example quickly started feeling people’s impatience and frustration.Many people think that it is only the uneducated people in Germany who don’t speak English. This is not completely true. There are very many very well educated Germans who don’t speak any English, again I think because it is a language they don’t need for their day to day work.There is also the belief that how well one speaks English has something to do with their age. While it is true that a relatively high number of young people in Germany speak English, it would be foolhardy to make such a generalization.

ExpressExtension is an IRS-authorized e-file provider for all types of business entities, including C-Corps (Form 1120), S-Corps (Form 1120S), Multi-Member LLC, Partnerships (Form 1065). Trusts, and Estates.File Tax Extension Form 7004 InstructionsStep 1- Begin by creating your free account with ExpressExtensionStep 2- Enter the basic business details including: Business name, EIN, Address, and Primary Contact.Step 3- Select the business entity type and choose the form you would like to file an extension for.Step 4- Select the tax year and select the option if your organization is a Holding CompanyStep 5- Enter and make a payment on the total estimated tax owed to the IRSStep 6- Carefully review your form for errorsStep 7- Pay and transmit your form to the IRSClick here to e-file before the deadline

Thanks for A2A. Well you must be knowing that NMAT gives you the liberty of attending the paper 3 times within the time frame of almost 180 days.So, to answer your question, I would recommend you to make your first attempt atleast 3–4 weeks before CAT (Assuming that you will also appear for CAT as well). This will give you a good warm up before the CAT Exam and will make you comfortable with the exam hall scenario.I Hope you would be able to ace the Nmat in the very first go .In case, if unfortunately you miss out in the first attempt, you can surely go for the second attempt after 15 days of first attempt. This second attempt will make it much easy to crack the exam as this time, you will be aware of the pattern and question level of the paper in a much better way. Two attempts will be enough to crack Nmat provided you have prepared for the exam in a serious and honest manner.You should go for the third attempt only in the extreme case, if you miss out by some mere marks and all ( simply for the sake that Nmat is a bit on an expensive side when it comes to multiple attempts).HOPE THIS HELPS!!!All the best for this year's exam calendar…. :-)

Middle names and middle initials are optional in most forms.Middle names or middle initials are not mandatory unless they are government-issued application forms where the government would want to know and store your full name for future reference.Instead of middle names, provide middle initials. Provide middle initials only if necessary. If the blank space only accepts one letter, then you might want to provide the initial of your second given name.

In Calendar, click Add Calendar, or Open Calendar and then click Create New Blank Calendar. In the Create New Folder box, enter a name for your Calendar in the Name box. ... In the left Navigation Pane under My Calendars, check the box next to the blank calendar you just created.

Open Microsoft Word. It's a dark-blue app with a white “W” on it. Click the search bar. It's at the top of the Word window. ... Type in calendar, then press \u21b5 Enter. Doing so will search the template store for calendar templates. ... Select a calendar template. ... Click Create. ... Wait for the calendar to load.

On your computer, open Google Calendar. In the top right, click Day, Week, Month, Year, Schedule, or 4 Days to choose which date range to print. In the top right, click Settings Print. On the Print Preview page, you can change details like font size and color settings. Click Print. ... At the top left, click Print.

On your computer, open Google Calendar. In the top right, click Day, Week, Month, Year, Schedule, or 4 Days to choose which date range to print. In the top right, click Settings Print. On the Print Preview page, you can change details like font size and color settings. Click Print. ... At the top left, click Print.

The site you are on right now is actually designed to allow you to print a calendar quickly right from your browser. No need to download anything or fiddle with any settings. You can quickly select the month, add notes, and click the giant print button. You can even download a blank calendar for the whole year.