The Hobo answers:

Yes they are. All options are treated the same unless you hold what is known as LEAPs which are at least 1 year before expiration/execution.

The Hobo answers:

It depends.

Keep in mind Forex rates are RELATIVE values between TWO currencies . It is not an isolated, one-dimensional concept.

Sometimes the largest determination is the relative interest rates of their central bank (e.g. The Fed, ECB, B of E, RBA), sometimes how well its economy is going, political future, trade future. The list is endless.

The Hobo answers:

They depend on the interbank interest rates of the 2 currencies
at the time of the deal is booked.

The Hobo answers:

The Hobo answers:

Most cities have a requirement as to how close you can build to the property line. These are called set backs. You will probably need a survey to be sure your set back dimensions are correct.

You may also need a topographical survey to establish grade and assure the foundation is set at the proper elevation.

If the lot is sloped, you may also need a survey to get the drainage correct.

The Hobo answers:

Try doing work from Odesk you will make more money.

The Hobo answers:

Try looking it up on YouTube they have plenty of tutorials on the subject.

The Hobo answers:

Some do and some don’t work. There’s a couple different ways that you can tell if a survey site is a scam or not. One way is if you have to pay to join that website, than it’s going to be a scam 99% of the time. Another way you can tell is if that site doesn’t have any kind of payment proof, than that’s probably because they don’t really pay their members.

The Hobo answers:

Rewards.xbox.com

you can sign in or join the rewards program there. The surveys don’t take long, they are usually about four or five questions. New ones are up about once a month, and as said previously they are only worth 20 points. But they are 20 free points so I think it’s worth it.

You can also get rewards for doing a couple other things, such as renewing your gold membership or sometimes they have offers where you will get a few points back after purchasing a set amount of items from the market place.

I think your account only gets credited once you’ve accumulated 100 points. It takes a little while, but like I said since it’s all free I think it’s worth the few minutes it takes to sign up and do surveys.

The Hobo answers:

It depends how you’re planning to recruit to it. The sampling method is not to do with the format of the survey, but how you get people to it. If you’re just putting it up and saying ‘please everyone do my survey’, then there is no stratification. It’s purely self selective and most likely random.Do you need to get a certain amount of people? If so that’s quota sampling. Are you asking friends to ask friends to fill it in? If so it’s snowball sampling. Stratified, cluster and systematic refer to the levels of comparison you put in place beforehand. So for instance stratified would be deliberate recruiting the same proportion of low earners, medium earners and high earners. Cluster sampling is where, usually because it’s not possible to access individuals, you target a bigger unit or ‘cluster’ eg school, hospital, communities in one area.

Also it depends on your research question!! If your question is eg how do low/medium/high earners compare in how often they go to the doctor?’, then you have to deliberately sample each group. A random sample potentially might not give you any high earners. However, if your survey is more exploratory then likely random sampling is fine.if you’re talking about using Devon in general, then I’d guess you’re doing random sampling.

My experience of online surveys (and I do a lot) is that random sampling gives you the least headache as you simply post it, send generic invite and wait for responses. The other sampling types are possible, but need much more planning.

I hope that helps and hasn’t confused you !

The Hobo answers:

Like everyone else said, they’ll always be that margin of error in any survey but in general I don’t think they’re very representative of the population. Case in point:

http://www.gamefaqs.com/poll/index.html?poll=2949

and

http://www.gamefaqs.com/poll/index.html?poll=2999

Hope that helps a bit dear. =)

The Hobo answers:

Develop and market a good cloud filter. THAT would get all of us to go to that site!

You asked!

I like to know what will be out in the sky when I go so I like notice of events like passes of the ISS or iridium flares and stuff like that. I like to know if there are any comets visible –you know, the out of the ordinary stuff. On one group we were just told how some satellites were passing between Uranus and us and how cool they looked going across the surface of Uranus.

Well in Advance notice though, because I like to go and get set up before dark and I dont get internet out in the field.

The Hobo answers:

You might have heard this, but when buying cymbals, you should buy each separately, not packs. U should try Sabian sr2 at mycymbal.com. They’re not sold in stores, only at mycymbal.com and maybe eBay. Check them out they have all the info at the website. U can get a cymbal that sounds like a 16 in hhx evolution crash, which is normally around 260 (i think) for no more than 100. This line of cymbals will allow u to choose each cymbal u want. And each one sounds different, so there cud b 10 different crash cymbals in the same size and weight but all sound different.
Another thing, i like Zildjian cymbals, but its not the company, its the cymbal.

The Hobo answers:

Take a look at this one: Hovabator on Amazon

Hovabator with viewing window. Easy to set, easy to use and very reliable – but you gotta go turn the eggs yourself.

Costs about $45 brand new, you can find them on Amazon or Ebay. Look throughout either to find one that fits your needs.

The Hobo answers:

Dog treats are taxable in Pennsylvania. You have to collect Pennsylvania sales tax if the sale takes place in Pennsylvania or you are mailing them to a Pennsylvania address.

The Hobby vs. Business Rule only pertains to income tax, not sales tax. This is one of the few instances where PA income law and federal income rules agree. Although for PA tax, if you are a business you can only deduct that business’s loss from another business you run. If the IRS considers you a business, so does PA and vice versa.

The Hobo answers:

It is a fact of life larger fish eat smaller fish. Just because we are keeping them in an aquarium shall we deprive what our fish needs because another fish was bred to be eaten? I feed with live feeders. I also house mollies and guppies in all my salt tanks for that reason. Unlimited supply of fresh food.

The Hobo answers:

Butterfly Koi...

They’re strongly disliked by many keepers of traditional koi who view the breed as inferior to koi and unpopular in Europe and Asia, but are still fairly popular in the United States where they are more readily available.

The Hobo answers:

This is the Anemometer that I bought and it worked out great. It all depends on what’s your preference. Take a look at other people’s review of the product, this one has one of the highest ratings.

The Hobo answers:

You can join community in Orkut, Facebook or other social networking websites and raise this question their in web developers community.

The Hobo answers:

Take a look here Buddy,it may help you,.

Http://www.fhwa.dot.gov/education/factsfun/facts.htm

The Hobo answers:

I would recommend checking out this website

http://www.dailysource.org

It is an online news source that covers a wide range of topics. It covers both international and national. You are able to search for a specific topic, such as DNA technology. It is a really easy to use site and since it gets updated every day, you are bound to find something that is going on now.

The Hobo answers:

Http://www.adweek.com/aw/index.jsp and http://www.adage.com are excellent resources for news and trends in advertising. I also frequent http://www.marketingsherpa.com

Hope these links help.

The Hobo answers:

Why don’t you search Google News for “Microsoft corporation”, then subscribe to the RSS feed of the page, so that you can keep up to date with any news Google finds about them. You can also setup a Google alert for the company, so that each time Google finds a page relevant to your phrase, you can get an email notifying you of each url.

The Hobo answers:

Use www.about.com then search for marketing

The Hobo answers:

I would suggest the following websites:

Problogger.net
Copyblogger.com
thetrafficblogger.com

The Hobo answers:

Hi

“about.com” is an excellent source of information via articles submitted by over 750 experts. I’m not sure whether you want to use the articles or just reference them so…

Another good source for how-to articles is www.ehow.com.

Www.ezinearticles.com accepts and provides online articles.

Those are just a few that come to mind first.

Www.publicityinsider.com has great information on writing, submitting and publishing PR-related articles and press releases.

The Hobo answers:

Who has the best terms? Best interest rate? Best customer service? What are the delinquency conditions? What are the extra fees for re-financing? Will they keep you as a customer or do they sell your account to someone else as soon as you sign on (I had a lot of problems with one finance company that did this and they tried to charge me for 2 extra months of mortgage payments because the payments weren’t recorded by the last company when the contact was sold to the next company who didn’t have a payment history on me.)

The Hobo answers:

8% is not bad at all. However, it’s not the very best out there right now. My boyfriend got his car loan through a credit union and he got a 5% rate on a 4 year loan. A good website to compare interest rates is www.bankrate.com. If you know your credit score then that website will give you a good idea as to whether or not you got a good deal. Typically, people with new or not so good credit will pay a 13-19% interest rate.

The Hobo answers:

A 30 year fixed rate loan is the most common way to purchase a house.

Basically the buyer takes a loan from the bank, and uses the money from the loan to purchase the house. The interest rate on the loan is fixed for the entire loan meaning it will never change. The minimum payments are set at an amount that will pay the interest charges each month, plus some of the loan balance, so that the loan is paid in full after 30 years. Thus the name “30 year fixed”

The word “Quote” simply means that its laying out all the terms and nitty gritty details, but its not actually loan paperwork. So a “Quote” Would say IF you took out a 30 year fixed rate mortgage for X amount, your interest rate would be exactly X%, your monthly payment would be X dollars. It gives the person all the info they need so they can decide if they want to take the loan.

The Hobo answers:

I also agree with OC1999. The best way for your son to start is go to a bank and take out a secured loan for like $2000 for 24 months and have it pay back in 12. I realize this might be upsetting to him since he already paid 3 loans on time. Oh, could it be possible for him to get a payment history from the Credit Union? If he could, let him call Trans Union Customer Service toll free # 1-800-916-8800 and see what they can do for him.

The Hobo answers:

Http://car-part.com

The Hobo answers:

I always use Advance Auto Parts. Their online also and they don’t have a lot of the China crap that a lot of other parts stores sell you cheap. Get good replacement parts and they will last and save you headaches down the line.

Here is my trick to get the parts for at least 20% + cheaper call them at: 877-873-0892 and use this promo code: CC20. After you find out about your  part tell them you want to pick it up locally and ask the persons name, if by chance there are more discounts. You will be surprised sometimes the extra 10-20% additional savings.

Hope this helps

The Hobo answers:

Yes all mechanical parts are interchangeable on those 2 cars without a doubt

The Hobo answers:

None do “free diagnostic”. Some do free “code reading” which is not even remotely the same thing. Code reading is just a matter of saying “your engine is running lean” or ” you have a random misfire” or whatever the problem is. That by itself tells you almost nothing. Diagnostic is the art and science of finding out WHY you have the particular problem. Parts store guys don’t do that. All they can do is suggest parts to replace that MIGHT help with the problem but usually won’t.

The Hobo answers:

In many cases, yes it would be cheaper for you to buy parts on your own. Unfortunately no mechanic or shop in their right mind will install them. This is solely for liability reasons, they cannot guarantee workmanship or the quality of the part if they do not supply it.

So in short, yes…it’s cheaper. Will they install them for you? Not unless they’re a shady operation…period. In addition a large shop or dealer will purchase the parts at a lower rate (they move volume) and then mark it up anywhere from 10 – 90% depending on the part. A small $4 part won’t get much mark-up, a larger $60 part will get around 25%.

Now, you can help yourself out a bit. Get online and price the parts you think you need and take a printout of these prices to the mechanic/dealer. This will aid in ensuring you don’t get screwed on parts pricing.

Hope this helps!

The Hobo answers:

. EGR valve. Exhaust gas recirculation valve, sends a small amount of burnt exh. Gas back into the intake stream, to lower emissions.
2. Spool valve (I occasionally encounter a Honda part called a “spool valve filter”)IDN
3. Air conditioner expansion valve. A/C expansion valve is the dam between the hi pressure liquid freon, and the low pressure (suction side) of the A/C. It is a small, usually fixed size hole, to allow liquid hi pressure freon into the low side, as the freon gas expands it has to pick up heat(in order to expand). It gets the heat from the warm, incoming air, of your passenger compartment of your veh.
4. Neutral safety switch,. In order for the ignition switch start command signal to reach the starter motor, it has to pass through the safety net switch. It closes the contacts in park, and neutral, allowing you to start your vehicle, only, when it is not in gear, preventing your veh. From lurching forward, or reverse, at start, preventing injury or damage.

The Hobo answers:

Sweeping the floor.

The Hobo answers:

Yes I like Prosper personally but you have to make sure it’s a right fit for you! I love the peer to peer lending or borrowing of Prosper!

The Hobo answers:

You DON’T need to get another loan. You can’t keep going on like that, and the more loans you get, the worse it is going to be when you hit bottom. It is time to stop the cycle.

I would be happy to share with you some of my knowledge of how to get out of this cycle. If you want help (no charge), e-mail me. I can help you get out of debt. I will tell you this, the very first step in getting out of debt is NOT TO GET INTO MORE DEBT.

I’ve been through a lot of bad financial times myself, so I wish you nothing but the best.

The Hobo answers:

Check with your local Community College. They will have credited classes, or non credited classes. And they will probably be cheaper than art schools.

If really would like an online/offline course try this #877-232-1203 it is called Learn & Master Painting. It is set up just like a professional course and once you master this course there is another but trust me you won’t need it.

Which contains: 20 DVDs, lesson book, and unlimited access to student support site.

The Hobo answers:

Use testers water color paint

The Hobo answers:

You should forget about oil painting. Why,because oil paintings are one of the most impermanent mediums there are. The oil paintings that you see in Museums are in a controlled environment where the temperature is checked. This prevents them from cracking and disintegrating. The linseed oil causes the colors to yellow,especially the whites.

Learn to paint with acrylics or casein paints,you won’t have the fire hazard with rags loaded with linseed oil and turpentine.

The Hobo answers:

If you have a deep concern and willing to use a home schooling art course then try this #

                                                 888-302-1358

• Stop paying for private lessons! (This 2-year course would cost you $3000+ in private art lessons…not to mention 100’s of hours of driving time!)
• Purchase once, use for a lifetime — one program for all of your students.
• Appropriate for both children and adults. (Many homeschooling parents use this course to learn to paint with their children!)
• Start at your own level and go from there. (From beginner or intermediate to advanced mastery.)
• High quality videos, clear illustrations, and easy-to-follow instructions take you through this systematic learning course!

 Please read below:

Question: Would you hire someone …?
Answer: In many instances meeting with an artist for advising or lessons is very helpful. In advising meetings that I have held with aspiring young artists, I have shared many tips and valuable advice for everything from selecting good supplies to how to understand the technical lingo of a commercial illustration commission. I have often loaned out art supplies to let the kids try out artist grade tools to see how much of an improvement they can get with them verses the cheap student grade stuff you pick up at WalMart. I have demonstrated techniques and watched as the student tried their hand at it. I have helped with setting up college admission portfolios for kids heading off to admissions interviews.

Question – training or degree needed.
Answer – There are a lot of degree artists out there who really ‘stink’. Yes they got a degree, but they never learned to draw or paint. LOL. I wouldn’t look for a degree so much as how much talent they can demonstrate in their own artwork. They cannot teach a greater skill level than what they themselves possess. You will also need to see how good they are at teaching. Many artists that I know are very independent and hate kids – they don’t have any of their own children and cannot relate to them. Lastly, what are your goals for your child? If you seriously want your child to prepare to make a living at art, you need to give him training from more than a hobbyist if possible. For instance, if being a commercial illustrator is your child’s long term passion, look to see if a commercial illustrator is interested in teaching. Fine artists are typically not taught much if any of the technical aspects of commercial art and reproduction. Your child will get inside track training on what it takes in mindset, skills, technical lingo, etc.

Question – How much to spend?
Answer – Many artists will meet with an interested student for a free advisory meeting. I have never charged for this with anyone because I see it as helping someone with a hand up. I typically spend 2 to 4 hours with students during one of these meetings. For a while when I was a kid, I took small group art lessons. The artist charged $10 per lesson and had about 6 students. He was one of those kinds of artists who never had kids and he always seemed uncomfortable with me. All the other students were retirees. Actually, he really wasn’t a very good artist. I didn’t like his paintings much. Though I kept that opinion to myself. If the artist is providing supplies for students, it is expected that the lesson will cost more than if the student brings their own.

Question – Where would the lessons take place?
Answer – Most artists will opt for the lessons being at their own studio or home. The environment is typically better set up there – lighting, room for supplies, supplies themselves, ventilation, etc.

Question – age?
Answer – Not before the student really showed a very definite passion for art and becoming a real artist. If the art lessons are merely to keep a kid occupied rather than training them, it would be cheaper to sign them up for the Y. Even with a strong passion, I would think not before the early teens.

Question – What would you expect them to learn?
Answer – Learning to see! Really – learning to see. Research has shown that artists use a different part of their brains when they are drawing and painting than non-artists. Non-artist brains are active in the left hemisphere when they are trying to draw. Skilled artist’s brains are active in the right hemisphere. Artists have learn to see and activate the part of the brain most capable of spatial reasoning and has long been considered the seat of creative thinking. Non artists are utilizing a part of their brain more associated with verbal skills. To learn more about this, I highly recommend the book “Drawing on the Right Side of the Brain’ by Betty Edwards. It has been in continuous reprint ever since I was a kid. It has been so because it is that good.

OK, now that I have hit on the questions that you have asked – let me hive some recommendations.

I highly recommend http://www.wetcanvas.com. It is a very busy online artist community. There are many, many channels that go into specific media art areas such as watercolor, pencil, oils, glass, sculpture, digital art, photography. There are many channels specific to subjects such as portraiture, animal art, landscape, figure drawing, etc. Peopke can post questions and answers. They can upload pictures of their art to show others and get recommendations and critiques. It is a terrific resource!

Skip the student grade art supplies once you feel your student is showing some real talent. I cannot emphasize enough how vastly superior artist grade tools and supplies are over the student grade stuff. Even an artist cannot get a good looking drawing or painting out of the stuff that is passed off these days for art materials. Look up Dick Blick’s website and catalog and ask at wet-canvas where other artists like to shop for supplies.

Well, my post is getting a bit long now. Just head on over to Wet-canvas and start asking questions of the artists there. You may discover that you don’t need an art tutor at all, you just need contact with other artists who love to share what they know.

The Hobo answers:

You can diffidently learn painting and drawing if you really want to. There are on line sites you can look up that give you basics into these mediums. Or if you visit your nearest art stores they have great books on how to draw or paint for beginners. Some people are born with the ability to draw or paint ,but it still takes practice to refine their skills. Start with looking up on the net ( How to draw and paint for beginners ) .You will be surprised on how much information you will find on the net. If you real serious about learning try the # above (888-302-1358).

Good luck to you .