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Crisis Investing – With Applications To Apple

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Crisis Investing – With Applications To Apple

Disclosure: I am long SPY. I do not own any shares of AAPL, nor do I plan to initiate any within 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no
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Your Questions About The Stock Market Presentation

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Joseph asks…

math help PLEASE HELP ME WITH THIS?

Hello can anyone help me set this powerpoint up email me at mpitts1947@yahoo.com

Phil and Beth are married and both executives at Dyno Trend Electronics, a large multinational electronics company. The couple holds substantial Dyno Trend company stock and the majority of their retirement funds depend on company stock performance.

Phil is a director within the research division, and Beth is a vice president in charge of all East Coast sales. One Thursday, Phil advises Beth that the company lost a large government contract for new electronic components. The contract was worth over US$1 billion in sales and the loss could signal large layoffs. Government officials have not publicly announced their contract decision; however, they have advised, privately and confidentially, several nonwinning bidders, including executives at Dyno Trend.

Phil and Beth decide to immediately sell the majority of their company stock to protect their retirement savings. The market on that Thursday was favorable toward Dyno Trend Electronics stock as earlier reports indicated that Dyno Trend Electronics was a finalist for the contract; however, as stated, a final decision was not public yet. Phil and Beth sell their stock to unsuspecting investors through their personal broker.
Prepare and submit an 8-10 slide presentation that will address your thoughts and ideas. The task focus:

The goal of the training session is to accomplish the following:

1. Identify the crime.
2. Explain what federal agency would prosecute the crime.
3. What punishment(s) could be enforced?
4. Provide other real-life examples of people who have committed this crime.

Justin answers:

Just google “illegal insider trading”.

Paul asks…

trying to do a SWOT analysis on apple. the apple website are unbelievable any helpful, any suggestions?

strengths ;
Apple is a very successful company, well established etc.
No cash or financial problems.
Brand awareness (which is all-important to Apple)
Loyalty from customers/Brand loyalty – gains new customers aswell as retaining them. Many customers return for more Apple products, especially with new up-to-date products with better technology.
Focus on design – Design unique to capture customers eye
Simple and easy to use products.
Knows how to diversify, from Mp3 players to computers to phones. and also link them together, such as to update an iPod, iTunes is required.
Its stock price is the highest in the personal computer industry.
Apple has linked it’s products together, such as the iPhone uses iTunes (and will therefore need a computer) whilst it is also a phone and allows users to surf the web etc. iTunes is also part of the music
Can benefit from economies of scale, well established links with suppliers and retailers.
Recently introduced the iPhone, new product, new market, well diversified.

Apple is a very successful company, well established etc.
No cash or financial problems.
Brand awareness (which is all-important to Apple)
Loyalty from customers/Brand loyalty – gains new customers aswell as retaining them. Many customers return for more Apple products, especially with new up-to-date products with better technology.
Focus on design – Design unique to capture customers eye
Simple and easy to use products.
Knows how to diversify, from Mp3 players to computers to phones. and also link them together, such as to update an iPod, iTunes is required.
Its stock price is the highest in the personal computer industry.
Apple has linked it’s products together, such as the iPhone uses iTunes (and will therefore need a computer) whilst it is also a phone and allows users to surf the web etc. iTunes is also part of the music
Can benefit from economies of scale, well established links with suppliers and retailers.
Recently introduced the iPhone, new product, new market, well diversified.

weaknesses;
Apple may find it hard to suit their prices to their target market; due to their products being highly priced but aimed at younger consumers, therefore it may be seen that products such as the iPod are purchased more around Christmas etc.
Recently Apple have changed their chip supplier, this may effect their stakeholders who are concerned about their products working most effectively/efficiently.

oppurtunities;
Apple have now developed one largely popular mobile phone, they may be able to break into the mobile phone market even further.
With Apple trying to break into different markets, such as with new Netbooks, new people are attracted to Apple, away from competitors such as Microsoft and Acer.

threats;
Strong competition from other companies in different markets.

strengths is pretty much complete.
presentation is for friday.

pretty stuck atm
any helpful suggestions specific to apple preferably.
since other websites appear to be specific to one product such as “the iphone – strengths new technology” etc.

Justin answers:

Then again, you could try to get it for free from your local public library:

Strengths
Strong brand image
Robust financial performance
Focus on research and development

Weaknesses
Product recalls
Patent infringement

Opportunities
Smartphones
New retail stores

Threats
Intense competition
Uncertain global economic conditions
Declining PC sales
Dependence on specific suppliers

FULL DESCRIPTION OF SWOT:

Strengths
Strong brand image
The Apple brand is well recognized amongst most consumers. Apple also enjoys a high level of
brand awareness and brand recognition for its products in all its markets. The company’s brand
value, as per the Interbrand rankings, has improved from 39 in 2006, 35 in 2007 to 24 in 2008. The
brand value of the company improved to $13,724 million in 2008 from $11,037 million in 2007.
Apple leverages its brand image to differentiate its product offering and drive sales. The company’s
strong brand enables it to command a premium pricing for its products such as iMac, iPod and
iPhone, giving it an edge over regional as well

Michael asks…

Accounting Help Please!!!?

1.Under the equity method of accounting for long-term investments in common stock, when a dividend is received from the investee company,
Answer

the Dividend Revenue account is credited.

the Stock Investments account is increased.

the Stock Investments account is decreased.

no entry is necessary.

2.Which one of the following would not be classified as a short-term investment?
Answer

Marketable stock securities

Equity method investments

Marketable debt securities

Short-term paper

3.Which of the following is a major difference when accounting for long-term debt investments versus short-term debt investments?
Answer

When selling long-term investments, no gain or loss is recognized.

At the end of the year, any unrealized gain or loss on long-term debt investments must be recognized in the stockholders’ equity section of the balance sheet.

Interest revenue is not recognized for long-term investments.

For short-term investments, bond premium or discount is not amortized to interest revenue.

4.The balance sheet presentation of an unrealized loss on an available-for-sale security is similar to the statement presentation of
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treasury stock.

discount on bonds payable.

allowance for doubtful accounts.

prepaid expenses.

5.Short-term investments are securities held by a company that are
Answer

readily marketable.

intended to be converted into cash within the next year.

readily marketable and intended to be converted into cash within the next year or operating cycle, whichever is longer.

readily marketable and intended to be held until maturity.

6.Reporting investments at fair value is
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applicable to stock securities only.

applicable to debt securities only.

applicable to both debt and stock securities.

a conservative approach because only losses are recognized.

7.A typical investment to house excess cash until needed is
Answer

stocks of companies in a related industry.

debt securities.

low-risk, highly liquid securities.

stock securities.

8.In accounting for stock investments between 20% and 50%, the _______ method is used.
Answer

consolidated statements

controlling interest

cost

equity

9.Which of the following is not a true statement regarding short-term debt investments?
Answer

The securities usually pay interest.

Investments are frequently government or corporate bonds.

This type of investment must be currently traded in the securities market.

Any bond premium or discount is amortized to interest revenue.

10.If the cost method is used to account for a long-term investment in common stock, dividends received should be
Answer

credited to the Stock Investments account.

credited to the Dividend Revenue account.

debited to the Stock Investments account.

recorded only when 20% or more of the stock is owned.

Justin answers:

How about you do your own homework you lazy slob.

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Your Questions About Some Purchased Songs Not Playing On Iphone

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Steven asks…

How to delete purchased song in itunes in iphone?

Its been a while since i logged in here but i really need your help, i purchased songs in itunes that i dont like anymore and want to delete from my iphone..also when i play songs it usually plays the playlist automatically, now it just repeats the same song over and over. please help me, serious answers only, my eyesight is bad and i cant skim over the whole manual to deal with this.thanks in advance.

Justin answers:

If you dont want them in ur iphone, simply in the summary of your iphone in itunes, click the check box that states you only want checked items to be synced. Then go into your music in itunes and uncheck the boxes that you dont want. When you play songs play them straight from the songs list in the iphone, it should not just start playing a playlist when not told to. If that is the case, delete the playlist and start over.

Michael asks…

do i have to pay for songs i wanna play on the iPhone?

I’m planning on getting an iPhone and i’ve heard that you have to purchase songs from iTunes in order to play them on the iPhone or iPod, can’t i just transfer any mp3 song i got on my PC into the iPhone and get it to work normally like any Nokia phone does?

Justin answers:

I have over 1300 songs none of which I have bought from the Itunes store that play just fine on my ipod.

I think this is what you are getting confused about:
There is the itunes store
There is ALSO itunes software

In order to play songs on your iphone/ipod you need to use the itunes software (you can get it from apple.com) and it converts the songs you have to itunes, making them compatible for your iphone.

Mark asks…

How do I get my purchased songs off my ipod to go into my new itunes library?

After I got the two options “erase and sync” or “transfer purchases” I chose transfer, but it said i “wasn’t authorized to play it on my computer”. What can I do to get the purchased songs from my ipod onto my new library? I don’t care about all the downloaded songs, but I don’t want to have to pay for 100+ songs all over again! Also how does the idump work? (I have a mac leopard)

Justin answers:

It should let you transfer. Here is some tips on transferring purchases
http://support.apple.com/kb/HT1329

If still not work, try some iPod to iTunes transfer program to help you, like this handy one called 4Media iPod to Mac Transfer. Http://gutensoft.com/Utilities/4Media-iPod-to-Mac-Transfer.html

It can help easily transfer all music, photos, videos, podcast, and TV shows on your iPod back to Mac completely and safely, and add them to your local iTunes library. Also, you can use it to transfer files from iPod to iTunes or from Mac to iPod in a direct way.

The great thing is that it won’t cause any deletion of any files while transferring. Here is step-by-step guide:
http://www.gutensoft.com/Guide/How-to-transfer-music-videos-photos-on-your-iPod-iPhone-to-Mac.htm

Hope this helps.
Note iDump only works for windows.
You can also search more others at http://google.com

Paul asks…

How to move songs from playlist to song list on iPhone 3g?

I purchased 2 songs on my iPhone 3g from iTunes. The only way to play them is if I go into the playlist section. They don’t show up in my song list. Is there a way to move them from the playlist to the song list from the phone?

Justin answers:

Use PC suite to backup them then restore them to iTunes
http://91.pandaapp.com/

Joseph asks…

What is the song in the Droid commercial?

You know the commercial. It played a few dozen times during NFL games today. During the part of the commercial where it is mocking iPhone commercials, with the white background, there is a cheesy pop song playing. Is it a real song? If so, can anyone tell me what it is?

Justin answers:

The song is called “Magic (Oh Oh Oh)” by MoZella.

You can view the music video on YouTube at: http://www.youtube.com/watch?v=LVf94GMLN8s

It is featured on MoZella’s new album “Belle Isle,” which was released on Tuesday.

The song can also be purchased on Amazon.com or on iTunes.

Best of luck. 🙂

Robert asks…

How do you listen to radioIO on an iPhone?

The website loads, and shows the song playing but a box under the now playing doesn’t load and just shows a building block with a ? On it. Is there any way to overcome this?

Justin answers:

There are 2 apps available for listening to radioio on the IPhone.

1) The Null river Tuner app is an app that costs $4.99 to purchase and has our ad supported streams programed in to it, This app will also allow you to program in our Commercial free links if you have a soundpass with us.

2) Flytunes is a free app that has our ad supported streams programed in to it, but it will not allow you to program in other streams.

Please give me a shout at greg@radioio.com if you have further questions,

Gregory Walters
Customercare/Tech Support
Radioio.com

Richard asks…

How do I transfer songs I bought on Itunes to my music play list?

I got the gift card and bought a few songs and they are under the purchased song category but I dont know how to get them on the list with all my other music or on my Ipod. Please help and thanks.

Justin answers:

You click and drag the song into the playlist name on the side bar. You will only see the playlist if your iPod/iPhone is plugged in and appearing on iTunes. Hope this helps.

William asks…

I want to purchase a song from iTunes. After purchasing the song can I transfer the song to become a ringer?

I would like to buy a song from iTunes. I was wondering if after i purchase the song is there anyway to transfer the song to my cell phone memory card (micro sd) so that I can use the song as a ringtone?

Justin answers:

Most likely not, unless you have an iPhone. To transfer any purchased song song to any other phone, you have to make sure you bought the plus version (this means that there’s no copy protection on it). Then, right click the song and change the format to MP3 (most new phones can play MP3 files). Then sync your phone to the phone and transfer the song. Now you should be able to play the song on your phone or set it as a ringtone.

Chris asks…

What is the best fm transmitter for my iphone?

I have a 2003 Mazda 6, but it doesn’t have a cassette player or audio jack. I want to play the songs from my iphone, so I need an fm transmitter– what is the best fm transmitter out there, and what problems should I be concerned about before purchasing one? There are so many mixed reviews out there, I’m not quite sure where to start.

Justin answers:

Coby CA-745 Wireless FM Car Transmitter with Digital Display and DC Car Cigarette Lighter Adapter sound quality amazes me- very near CD quality sound- and I was very pleased there was no interference- in the 40 minutes driving, I never had to switch channels. As long as it holds up, I don’t plan on switching transmitters anytime soon either. The Coby-745 rocks.

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What South Africa Turmoil Means for Investing in Gold

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What South Africa Turmoil Means for Investing in Gold

Gold prices recently have risen due to global central bank stimulus measures, but the true movement in the market stems from much more than QE3. Precious metals investors no doubt have seen the recent headlines coming out of South Africa. Violent
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Your Questions About Silver Foreign Coins

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Joseph asks…

Where is the foreign coin from that looks identical to an English 2 Pound coin?

I have been given it a few times – Its exactly the same shape, has the silver and gold rings exact but the onle difference is that there is arabic writing on it. Has anyone else been conned and where is it from?!!

Justin answers:

Could be the Morocco 10 Dirhams coin.
The Mexico 10 Pesos coin is similar. Also.

Michael asks…

What foreign coin do I have?

I have a silver looking coin about as large as a 50 cent piece. On one side is a picture of a man wearing a military hat with a star in a circle surrounded by leaves and to the left hand side is 4 symbols which look to be like Chinese, Japanese, or some foreign writing. On the other side is a picture of a group of people listening to man read from a piece of paper with a hot air balloon in the background.

Can anyone help me figure out where this coin came from or refer me to a website where I can send pictures in to and they can identify it for me.

Thanks

Justin answers:

It is more than likely just a commemorative coin.
If it’s silver then it could also be a 1ounce silver coin.
What text is on there? Anything other than just the foreign writing?
Also, it more than likely isn’t even a coin.
There’s tens of thousands of medals from all over the world

John asks…

I have some type of foreign coin?

The problem is I cant read the language Its outer edges are silver but the middle of coin is gold on the front is a man with round rimmed glasses with a uniform on and on the back is 2 elephants they are each standing facing a shield with a face above the shield above the elephants are cone shapes like christmas trees Can anyone help?

Justin answers:

Yep go to the bank or library get the coin book. Hey did you strike it big? If you do not find out e-mail your friend i will do the homework. If you cant. Thanx thatkat

James asks…

Is our current monetary system unconstitutional?

I asked another question earlier about “why do government CHOOSE to borrow money from private banks at interest?”. I did a little research myself by reading the Constitution of the US. Nowhere does it say that a central bank has the right to create control money or credit. It only says in Section 8 that congress has the authority “To coin money, regulate the value thereof, and of foreign coin, and fix the standard of weights and measures;” “To borrow money on the credit of the United States;” “No money shall be drawn from the treasury, but in consequence of appropriations made by law; and a regular statement and account of receipts and expenditures of all public money shall be published from time to time.” Section 10. No state shall enter into any treaty, alliance, or confederation; grant letters of marque and reprisal; coin money; emit bills of credit; make anything but gold and silver coin a tender in payment of debts; pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts, or grant any title of nobility.
wow That’s cool, thanks for the link. it is a long read I will have to make time to finish all of it. I heard about Bipartisan Progressivism just today on the Glenn Beck Show. He was introducing evidence that the Radical Progressive’s in the White house are “fundamentally Transforming America” by sabotaging “The American Economic System” and ” The Republic”. this stuff is getting really interesting!!! If you have a chance watch this video on Oligarchy vs republic http://www.youtube.com/watch?v=qhNobpG_4fQ

Justin answers:

Technically yes. Here’s a really good article on the Federal Reserve and our monetary system. It’s long but definitely worth a read:
http://mises.org/daily/3823

Richard asks…

Can anyone help me identify these three coins?

I have three coins that I cannot identify

1. The first has a picture of an asian man with a long beard and a hat on the front with a set of characters on each side of him. On the back, it has 1994 on the top with 100 in the middle and more characters at the bottom. All the characters have horizontal lines and some have wide, thin circles. This coin is silver.
2. The second coin has the exact same images on the front and the back. It has a cross inside of a shield with two z’s in the shield next to the cross. On each side of the shield it has what looks like two dragons or lizards guarding the shield. There are characters underneath the picture, also in a foreign language. This coin is also silver.
3. The third coin is gold. It has a circular hole in the middle. On one side, it has flowers in an arc on the top half, and Chinese characters on the bottom half. On the back it has many Chinese characters in a circle.

Even if you cannot identify the coins, any help would be greatly appreciated. Thank you!

Justin answers:

The first coin is a 100 Won from South Korea. #2 A coin with the same image on both sides is very rare and has happened in the past but not in modern times so I would say it is a medal of some kind and may not be silver but has a silver color. I would need to see it to go further. #3 is a 5 Yen coin from Japan and the side with the bent flowers is the reverse (back) it is made of brass and is only gold colored.. Hope this helps

Charles asks…

Need foreign coin identified.

Ok so i’ll describe the coin: its silver COLORED (not made of silver, just the same color as nickels, dimes, and quarters). On the front there is a man and on either side of his head there is a bit of writing that looks like it’s Arabic (i’m pretty sure its Arabic but not positive)

On the back there is on on the bottom near the rim of the coin more of the writing, however in the middle the writing stops and there is a big 1/2 then it continues (the writing covers about 1/4 of the back of the rim of the coin) Then above that there is a sort of crest thing with two lions on either side jumping against some sort of oval shaped thing with a 5 point star in the center. And a sort of crown thing above the oval. Then above that there are two dates around the top of the rim on opposite sides of the crest: they are 1987 and 1407. Sorry that I wasn’t able to describe it that well but can anyone tell me by the decription?

Justin answers:

It’s a Morocco dirham…
Http://worldcoingallery.com/countries/coin.php?image=img2/125-87&desc=Morocco%20y87%201/2%20Dirham%20(1987)
You can see a photo of it there..

Robert asks…

What happens to those foreign coins you get in change?

You know when you have a pocket full of change you sometimes get coins fron Sri Lanka, New Zealand, Fiji, etc., usually if they are the same size as local coins I just hide them under another coin when I buy a newspaper, but what happens at the bank, there must be millions of foreign coins circulating like that, are actually legal tender?

Justin answers:

I would suppose the vast majority get recirculated even by businesses whether knowingly or unknowingly. It is likely an identically sized foreign coin could pass through several hands unnoticed. Many might get donated to charities who accept foreign coins, but there are probably very few returned to their country of origin through circulation. Even coin types taken out of circulation can be found decades later. In a side note, we might all be surprised how many foreign, proof, silver, and other collectible coins get into circulation from children or others stealing them from a collection and spending them. I myself have found proof and silver coins, and foreign coins from Canada, Germany, Panama, and Sweden, among other places.

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Your Questions About Stocks And Bonds For Kids

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Donald asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar one night while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me started packing and just left me high and dry. Well last monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because WE NEVER HAD SEX every-time i tried she would push me away and say, shes not ready and we been living together for 4 month and no sex, but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Tell her she’s a dirty whore and go to the homeless shelter. If she was with a drug dealer her poor baby will probably have problems I would call Dhs also

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Your Questions About Stocks And Bonds For Kids

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Robert asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?
So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Okay your right on 3 counts the first count i say this in the most kind way possible its not your child and 2nd count she cheated thats a huge deal cause she lied not to mention umm the whole crimnal thing and the 3rd thing it will screw up your love life i don’t know if your dating anyone else right now but it could be a bad thing for the relationship my advice above all else is to tell her what you told her before and then if she does not leave then call the cops and let them deal with her

Daniel asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Well, hopefully you’ve changed the locks on your house. If not, do it NOW! Don’t get sucked into her drama. She left without so much of a thank you and now she needs / wants your help. She needs to take some responsibility for her actions. Point her to her girlfriends house. Where are her parents? You can’t rescue her and look yourself in the mirror without feeling like an idiot. Because, that’s what you would be. I understand where you’re coming from, but you need to be strong for you.

John asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me for 2 years in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. Were were not married but getting there. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said i need your help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

You need to be absolutely straight with her because if she thinks that there’s any chance she can use you again, she will.

On the one hand, I’m sure you’re sensitive to the fact that she’s obviously having a hard time at the moment, BUT she is a grown woman, and she’s made her bed – now she has to lie in it.

I would just be honest with her and tell her how you feel. Email her, call her, but don’t meet with her because she’ll find a way to manipulate your feelings in a face-to-face scenario. Try something like this:

“I’m sorry you’re having a hard time at the minute, but I’m not going to be part of your life anymore. You left me at the drop of hat and have been very happy for months without me, and you’re only in touch with me now because you’re in trouble now and you want me to bail you out, but I’m not going to. I suggest you go stay with your parents at the minute, or go to a shelter, but you can’t come here. You’ve made it clear that you’re not interested in a relationship with me anymore, even as friends, and I don’t appreciate the fact that you’re only talking to me now because you want me to help you, rather than you wanting to talk to me. I’m sorry, but you’re a grown up and you have to sort your own problems out. You made the decision to leave me, and now you have to respect the fact that I don’t want you back. I wish you all the best, but please don’t contact me again – I won’t be used.”

It sounds harsh, but then she was harsh to you by leaving you at the drop of a hat. It has nothing to do with the life she lead with you, it’s just that she chose not to be part of your life and she can’t just drop in and out of your life when she chooses. Think about this – if she never got pregnant, and if her bf wasn’t going to prison, would she be in contact? I think not.

Richard asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Change the locks.

David asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Wow Mark,

I am sorry to hear that. Don’t stop being a nice guy; the world needs those nowadays. It sounds like you did the right thing, you were courteous, despite probably being hurt and confused by her decision to leave you. If she comes to your house, you can do exactly what you did over the phone — stand your ground — and redirect her to a place that will be good for her and the baby. Please stay polite, listen — if you feel you need to –, but be firm. I wish you all the best.

George asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Tell her to go find her own place to stay. Keep your doors locked and if you haven’t already you should change your locks. If she refuses to leave your house call the police and they’ll remove her. If she comes back call them again and then eventually if she doesn’t leave you alone, get a restraining order.

Thomas asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

If that were me I’d kindly tell her that I couldn’t help. It’s not your baby, she left you, and looks like she took you for granted. You are not obligated to help her. Don’t be a pushover. She can’t come into your house if don’t let her, so just don’t let her in. Even pretend that you’re not there. Just ignore her, really.

Charles asks…

How can i tell my ex-girlfriend NOT to come back to my house because she is pregnant with another guys baby?

So she broke up with me and its been about a year now. I gave her a very nice life when she lived with me in my house. She didn’t have to work, just keep the house clean as this was her choice, she could of work also but i gave her the option to do what she wanted. I worked (my own business) and made enough for us to live very good and have made over 1 million dollars from stocks and bonds and i took care of the bills and our two cars. I have a house in Los Angeles. Well she and her girlfriends went out to a bar while i was at work and she met a guy who just got out a divorce with 3 kids. She ended up breaking up with me and moved with him to San Francisco. There was no phone call or sit-down conversation or anything explaining why she left. She just came home one day and said she was leaving me. Well monday she called saying that she was pregnant (we haven’t spoke in 6 months). I was like umm congrats but i have to go now. She started crying and said she needs my help? I was like umm come again? She said her boyfriend was going to prison because sunday he got CAUGHT selling hardcore drugs to undercover cops and he is facing 5 years in prison (2nd offense) because of the load of drugs they found on his car. She is crying for me to let her come back and live the nice life she took for granted and acourse we all know girls like the badboys until he is to bad and then they always come back to the nice-guys as an second option when things dont work out with the badboy. I know this isn’t my baby because she never wanted to have sex with me and every-time i tried she would push me away but then she goes out and meet this guy and ended up having sex with him that week? Oh-well i guess that’s just another rule on why nice guys shouldn’t be nice guys. She said she is coming down this weekend and i told her NO GO TO A SHELTER OR PARENTS HOUSE! But if she does come where can i direct her to because she sure aint staying with me again?

financi4 answers:

Well bro, you pretty much answered your own question. If and when she comes to your door step just point her in the right direction of a shelter or give her a number to a program that will help her out. It’s harsh to say but your doing the right thing bro, your were wronged in the most heinous way, you kept a roof over her head, brought the bacon home, gave her a life most women can imagine, and when you wanted some affection, you were denied and forgotten. It’s just karma in your favor, any real man would react and jump at the chance to make a person like that pay the piper. Next time just moe careful in you selection so you don’t have repeat like this again bro. Good luck amigo

-cheers

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