Becoming Definition–adjective | 1. | that suits or gives a pleasing effect or attractive ap
e4
pearance, as to a person or thing: a becoming dress; a becoming hairdo. | | 2. | suitable; appropriate; proper: a becoming sentiment. | –noun | 3. | any process of change. | | 4. | Aristotelianism. any change involving realization of potentialities, as a movement from the lower level of potentiality to the higher level of actuality. | |
From Dictionary Debt Definition–noun | 1. | something that is owed or that one is bound to pay to or perform for another: a debt of $50. | | 2. | a liability or obligation to pay or render something: My debt to her for advice is not to be discharged easily. | | 3. | the condition of being under such an obligation: His gambling losses put him deeply in debt. | | 4. | Theology. an offense requiring reparation; a sin; a trespass. | |
From Dictionary Free Definition–adjective | 1. | enjoying personal rights or liberty, as a person who is not in slavery: a land of free people. | | 2. | pertaining to or reserved for those who enjoy personal liberty: They were thankful to be living on free soil. | | 3. | existing under, characterized by, or possessing civil and political liberties that are, as a rule, constitutionally guaranteed by representative government: the free nations of the world. | | 4. | enjoying political autonomy, as a people or country not under foreign rule; independent. | | 5. | exempt from external authority, interference, restriction, etc., as a person or one's will, thought, choice, action, etc.; independent; unrestricted. | | 6. | able to do something at will; at liberty: free to choose. | | 7. | clear of obstructions or obstacles, as a road or corridor: The highway is now free of fallen rock. | | 8. | not occupied or in use: I'll try to phone her again if the line is free. | | 9. | exempt or released from something specified that controls, restrains, burdens, etc. (usually fol. by from or of): free from worry; free of taxes. | | 10. | having immunity or being safe (usually fol. by from): free from danger. | | 11. | provided without, or not subject to, a charge or payment: free parking; a free sample. | | 12. | given without consideration of a return or reward: a free offer of legal advice. | | 13. | unimpeded, as motion or movement; easy, firm, or swift. | | 14. | not held fast; loose; unattached: to get one's arm free. | | 15. | not joined to or in contact with something else: The free end of the cantilever sagged. | | 16. | acting without self-restraint or reserve: to be too free with one's tongue. | | 17. | ready or generous in giving; liberal; lavish: to be free with one's advice. | | 18. | given readily or in profusion; unstinted. | | 19. | frank and open; unconstrained, unceremonious, or familiar. | | 20. | unrestrained by decency; loose or licentious: free behavior. | | 21. | not subject to special regulations, restrictions, duties, etc.: The ship was given free passage. | | 22. | of, pertaining to, or characterized by free enterprise: a free economy. | | 23. | that may be used by or is open to all: a free market. | | 24. | engaged in by all present; general: a free fight. | | 25. | not literal, as a translation, adaptation, or the like; loose. | | 26. | uncombined chemically: free oxygen. | | 27. | traveling without power; under no force except that of gravity or inertia: free flight. | | 28. | Phonetics. (of a vowel) situated in an open syllable (opposed to checked ). | | 29. | at liberty to enter and enjoy at will (usually fol. by of): to be free of a friend's house. | | 30. | not subject to rules, set forms, etc.: The young students had an hour of free play between classes. | | 31. | easily worked, as stone, land, etc. | | 32. | Mathematics. (of a vector) having specified magnitude and direction but no specified initial point. Compare bound 1 (def. 9). | | 33. | Also, large. Nautical. (of a wind) nearly on the quarter, so that a sailing vessel may sail free. | | 34. | not containing a specified substance (often used in combination): a sugar-free soft drink. | | 35. | (of a linguistic form) occurring as an independent construction, without necessary combination with other forms, as most words. Compare bound 1 (def. 11). | | 36. | without cost, payment, or charge. | –adverb | 37. | in a free manner; freely. | | 38. | Nautical. away from the wind, so that a sailing vessel need not be close-hauled: running free. | –verb (used with object) | 39. | to make free; set at liberty; release from bondage, imprisonment, or restraint. | | 40. | to exempt or deliver (usually fol. by from). | | 41. | to relieve or rid (usually fol. by of): to free oneself of responsibility. | | 42. | to disengage; clear (usually fol. by from or of). | —Verb phrase | 43. | free up, | a. | to release, as from restrictions: Congress voted to free up funds for the new highway system. | | b. | to disentangle: It took an hour to free up the traffic jam. | | —Idioms | 44. | for free, Informal. without charge: The tailor mended my jacket for free. | | 45. | free and clear, Law. without any encumbrance, as a lien or mortgage: They owned their house free and clear. | | 46. | free and easy, | a. | unrestrained; casual; informal. | | b. | excessively or inappropriately casual; presumptuous. | | | 47. | make free with, | a. | to use as one's own; help oneself to: If you make free with their liquor, you won't be invited again. | | b. | to treat with too much familiarity; take liberties with. | | | 48. | set free, to release; liberate; free: The prisoners were set free. | | 49. | with a free hand, generously; freely; openhandedly: He entertains visitors with a free hand. | |
From Dictionary |
Related articles from Yahoo AnswersOpen Question: Please explain the procedures for filing for bankruptcy?
I have a plethora of medical bills. I'd like to get rid of all of them, and start over.
1. Average cost?
2. How to find a good lawyer?
3. Time frame?
4. What is the court process like?
Thank ya!
Also, I am a single male with no kids. I don't know if that matters, but I'm not married or supporting anyone.
I'm not proud to have to do this, I just want to become debt free besides student loans.
Open Question: What should I do about my Marriage?
My Wife and I have a short but colorful history:
I am 35, she is 24
I grew up in Florida, she grew up in Vermont
January 2006 - We met in Florida in school
April 2006 - Started dating, (we were both heavy drinkers and partiers, night clubs, beach bars, etc.)
August 2006 - Found out she was pregnant
September 2006 - I tried to take care of my credit card debt or $18,000 by calling a "Debt Consolidation" firm
December 2006 - Moved up to Vermont to be close to her family
January 2007 - Found out that my identity had been stolen and my credit cards were maxed out. I now am in $85,000 in credit card debt. Plus our school loans. $20,000
April 2007 - Our daughter was born
The first year we tried really hard and I worked as a waiter, she stayed home to raise our daughter. We had financial difficulties throughout the year, I obviously wasn't paying the credit cards or school loans, we barely made rent each month.
January 2008 - My wife found God and became a born-again Christian.
March 2008 - After several attempts to control what had become a growing problem with alcohol I ended up going on a ten day drinking binge. She left to her parents house and I stayed in the apartment and tried to drink myself to death with wine and stayed drunk for ten days. My mother in-law ended up calling the police and they came to the apartment and found my laying on the floor naked and bloody, covered in my own urine and vomit. They took me away. I went to rehab for 21 days.
Since then I haven't had a drink or touched any substance. (Almost ten months now)
April 2008 - I got out of rehab and we got married on April 15th. Shortly after we joined the local church and we were baptized together.
Over the summer of 2008 I was unemployed, we moved to a new apartment and started a new life. I felt like a new man and she seemed very happy.
August 2008 - Found a great new job with the promise of a life-long career building furniture. I am very happy and working quite a bit (6 days a week)
Since then money is still tight but getting better. My wife continues to stay home with our daughter, now 20 months. However, she is very upset with me about many things. I don;t chip in enough with the housework. I need to devote more of my free time to bible study, prayer, and devotionals. We need to tithe, (donate), more of my pay to the church. I stay up too late sometimes and when I am tired the next day my behavior reminds her of me being drunk. I forget to put my dirty socks in the hamper.
She claims that she has changed and become a Christian and I haven't and it's not good. However, since she's Christian she can't leave me because she made a promise top God. I want to stay together but I am having a hard time complying to all the rules of Chritianity. She has stopped wanting to kiss and be affectionate now, however, talks about having more kids still? Recently she told me that she actually never liked kissing in the first place. Also, she says she's way too tired from being a homemaker to have a libido. I feel she gets enough sleep, she gets up at 9 or 10 AM and goes to bed at about 11 PM.
I don't know what to do. Please, some advice!!
I wanted to add that I don't think she loves me and feels that she really screwed up by getting with me in the first place. Now she's poor and has a kid and is stuck with an old man. Also, she really wants a house now and wants me to pay the $85,000 off and not claim bankruptcy. I have know idea how I would ever be able to. I make $13 an hour before taxes. We're on food stamps $242 a month though, which helps. She left me in October, went to her Mom and Dad's, but then came back when she got in a fight with her Mom and realized she had no place to go. She just really can't stand me, but at the same time is still planning a future and more children and stuff.
Open Question: How hard would it be for me to move out of the United States and to somewhere in, say, Scandinavia?
I'm 20 years old. I'm about to start college. I know no foreign languages at this time. How easily could I become a citizen of another country? What countries offer free health care, and free schooling? I hear the U.S. health care system is really not too reputable. College puts one into debt. Can I escape it somehow?
How much approximately might it cost me? I want to be a doctor.
Really, I just want to get out of the U.S.
I'll be 21 in a few months. I have no criminal record. I'm currently in the U.S. military, active reserve (i.e. National Guard). I have a decent amount of cash from a prior deployment.
I don't care where I move to, as long as the nation is relatively secular, not controlled by religion I mean, has free health care, free schooling, etc. Socialist, you know? And of course, a decent standard of living.
Actually, I'd have to say, being war-free is a huge priority. I hate war. @#%$ war. It's all deception in politics. I just want to get away from that.
Or how about Canada? Is Canada decent?
Resolved Question: Reposting this. I didn't realize Y!A cut it off earlier!This is long, but you need to know the background...?
Some of you kind of know my story. I've been on Y!A in the Newborn and Baby section for over a year now (lost track, LOL) and I've asked a lot of questions and become "sort-of" friends with a few of you...
Anyway, for those who don't know me, I am a 31 y/o single mother to a beautiful almost 9 month old baby girl. She is the light of my life and I am truly passionate about her well being in every aspect. I make her baby foods at home from scratch, I have read every book there is on Immunizations or anything I can find that may affect her well being down the road. (Yes I have a lot of free time as I am a disabled veteran and can not work).
My big problem is her father. Well, that's not fair, honestly, things could be a lot worse, but I still want what's best for her. He insisted I have an abortion when I found out I was pregnant (new relationship - our 2nd timd sleeping together - the condome broke). He got downright mean and threatening for a while and honestly scared me quite a bit. I, at 30 y/o was not about to have an abortion, and I already knew I loved her so much in my heart. He made my life extremely difficult for the entire 40 weeks I was pregnant. He didn't want anything to do with me or the baby. I told him that was fine but he needed to make a decision. He could sign his paternal rights away and never be heard from again, I would never ask him for a dime, and our child would be raised thinking she was conceived from a sprem bank or whatever I decided to tell her in the future. OR... he could be her father, visitation, child support, etc. Well, he was wishy washy the entire time. One week he told me he wanted to sign his rights away to her, the next he wasn't sure. Finally, a week before my scheduled C-section I called him to ask for his final decision (becasue in CT a father can not sign away paternal rights until at least 48 hours after the birth of the child) and he shocked me by saying now he thought he wanted to be a part of the baby's life. (99.9% of me still believes he was waiting to make sure she was born healthy before deciding - which makes me sick to my stomach just to think about!) Anyway, our daugther was born on April 9th, a beautiful, happy, healthy little girl I named Avary. He told me he wanted a paternity test (even though we knew the exact time and date of conception - he knew he was/is her father) so I did not put any name on her birth certificate as her father.
Since her birth he has been visiting her about 2 times a week and paying some child support. By his own words, and by my experience and the words of his sister and mother, he is irresponsible, immature and unstable. He has never initiated a paternity test and still has not persued getting his name on the birth cert. He lies to me continuously about all kinds of random things... but I do believe he loves our Avary.
Well, he has been doing apartment share/ house share situations for the past several years (mostly to avoid the IRS and other debt collectors). About 2 months ago he moved out of his last house share and for about a month was homeless - he bounced from firend's couch to friend's couch, then a few weeks ago he moved into the same home with his sister and mother (something he swore he would never do becasue "someone would end up dead"). He told me it was temporary but I had a feeling there was more to it becasue all his family relationships are strained... to say the least. Throughout the past 9 months of Avary's life I have heard countless stories from him and his sister - even his mother about how horribly they all get along and how everyone is always yelling at eachother, not to mention the fact that the other brother, who visit's occasionally, molested the sister who lives in the house. The sister and the mother are both on medication for bipolar disorder and Avary's father may soon be as well. Needless to say, it is not a stable, safe, secure environment for my daughter to spend any time in without me. (I do bring her down to visit them quite often, though).
Well, today, Avary's father sprung it on me that he wants to start the process of overnight visitation. (I know this is also being prompted by his mother and sis who want overnight visitations too) I told him no, she is too young to understand that and we actually managed to have a civil conversation about the whole thing. I told him most of my concerns (I laid out most of them here in this question - I know it's long, sorry). I told him I had planned to start this Spring allowing him to take her for a couple hours to the park or something like that to give him some time alone with her but definitely no overnight visits yet. She has never spent one night away from me (we co-sleep) and I do Attachment Parenting and I feel it would be too traumatic for her to all of a sudden stay overnight with anyone besides me. Besides, he could not co-sleep with her becasue he has terrible sleep apnea and also does not
and also does not wake up when prompted so there is a serious risk of him harming her unintentionally in his sleep. Avary would never understand that and would just cry all night! He agreed that I was right about it being to traumatic for her at this age and told me he will not bring it up again for 3 months (When she turns 1 y/o). That is still too young, in my eyes for this traumatic of a transition.
What I need for any of you who empathize with my situation is any article, book, study, etc. you can find and send me a link to that shows evidence of the psychological damage that can occor when a child is forced to go through this kind of traumatic situation. I have quite a few but I want as many as I can find to back myself up. I would really appreciate ANY help with this.
NOTE: If you disagree with me and want to write some alternate opinion and say he's her dad and he deserves equal time, blah blah blah then I know you did NOT read this entire question or perhaps you
are illiterate. Plese just keep your opinions to yourself. That is not what I am asking for. If I want opinions I promise you, I will specifically ask for it. Thank you!
BTW, I'll probably post this a few times so I can reach as many people as possible. Thanks again to anyone who took the time to read this and to help me out here! Cheers!
Note*** The Child molestation took place when the sister and older brother were kids. They are now in their 40's. Avary's father already agrees with me that his older brother would NEVER be left alone with her. (Just FYI)
***Daniel's Mommy - Thanks so much for the link! I have read that before but forgot about it. It says exactly ho I feel and so clearly and concise! Thanks!
*** Heather Y - Thanks you so much too! These are also great articles. I'm doing so much reading tonight I'm never going to get any sleep, LOL! Pretty soon though. Thanks again! Cheers!
Resolved Question: This is REALLY long so be prepared but I really need your help and you need to know the background to help.?
Some of you kind of know my story. I've been on Y!A in the Newborn and Baby section for over a year now (lost track, LOL) and I've asked a lot of questions and become "sort-of" friends with a few of you...
Anyway, for those who don't know me, I am a 31 y/o single mother to a beautiful almost 9 month old baby girl. She is the light of my life and I am truly passionate about her well being in every aspect. I make her baby foods at home from scratch, I have read every book there is on Immunizations or anything I can find that may affect her well being down the road. (Yes I have a lot of free time as I am a disabled veteran and can not work).
My big problem is her father. Well, that's not fair, honestly, things could be a lot worse, but I still want what's best for her. He insisted I have an abortion when I found out I was pregnant (new relationship - our 2nd timd sleeping together - the condome broke). He got downright mean and threatening for a while and honestly scared me quite a bit. I, at 30 y/o was not about to have an abortion, and I already knew I loved her so much in my heart. He made my life extremely difficult for the entire 40 weeks I was pregnant. He didn't want anything to do with me or the baby. I told him that was fine but he needed to make a decision. He could sign his paternal rights away and never be heard from again, I would never ask him for a dime, and our child would be raised thinking she was conceived from a sprem bank or whatever I decided to tell her in the future. OR... he could be her father, visitation, child support, etc. Well, he was wishy washy the entire time. One week he told me he wanted to sign his rights away to her, the next he wasn't sure. Finally, a week before my scheduled C-section I called him to ask for his final decision (becasue in CT a father can not sign away paternal rights until at least 48 hours after the birth of the child) and he shocked me by saying now he thought he wanted to be a part of the baby's life. (99.9% of me still believes he was waiting to make sure she was born healthy before deciding - which makes me sick to my stomach just to think about!) Anyway, our daugther was born on April 9th, a beautiful, happy, healthy little girl I named Avary. He told me he wanted a paternity test (even though we knew the exact time and date of conception - he knew he was/is her father) so I did not put any name on her birth certificate as her father.
Since her birth he has been visiting her about 2 times a week and paying some child support. By his own words, and by my experience and the words of his sister and mother, he is irresponsible, immature and unstable. He has never initiated a paternity test and still has not persued getting his name on the birth cert. He lies to me continuously about all kinds of random things... but I do believe he loves our Avary.
Well, he has been doing apartment share/ house share situations for the past several years (mostly to avoid the IRS and other debt collectors). About 2 months ago he moved out of his last house share and for about a month was homeless - he bounced from firend's couch to friend's couch, then a few weeks ago he moved into the same home with his sister and mother (something he swore he would never do becasue "someone would end up dead"). He told me it was temporary but I had a feeling there was more to it becasue all his family relationships are strained... to say the least. Throughout the past 9 months of Avary's life I have heard countless stories from him and his sister - even his mother about how horribly they all get along and how everyone is always yelling at eachother, not to mention the fact that the other brother, who visit's occasionally, molested the sister who lives in the house. The sister and the mother are both on medication for bipolar disorder and Avary's father may soon be as well. Needless to say, it is not a stable, safe, secure environment for my daughter to spend any time in without me. (I do bring her down to visit them quite often, though).
Well, today, Avary's father sprung it on me that he wants to start the process of overnight visitation. (I know this is also being prompted by his mother and sis who want overnight visitations too) I told him no, she is too young to understand that and we actually managed to have a civil conversation about the whole thing. I told him most of my concerns (I laid out most of them here in this question - I know it's long, sorry). I told him I had planned to start this Spring allowing him to take her for a couple hours to the park or something like that to give him some time alone with her but definitely no overnight visits yet. She has never spent one night away from me (we co-sleep) and I do Attachment Parenting and I feel it would be too traumatic for her to all of a sudden stay overnight with anyone besides me. Besides, he could not co-sleep with her becasue he has terrible sleep apnea and also does not
OMG! I had no idea Y!A cut me off. Here's the rest...
and also does not wake up when prompted so there is a serious risk of him harming her unintentionally in his sleep. Avary would never understand that and would just cry all night! He agreed that I was right about it being to traumatic for her at this age and told me he will not bring it up again for 3 months (When she turns 1 y/o). That is still too young, in my eyes for this traumatic of a transition.
What I need for any of you who empathize with my situation is any article, book, study, etc. you can find and send me a link to that shows evidence of the psychological damage that can occor when a child is forced to go through this kind of traumatic situation. I have quite a few but I want as many as I can find to back myself up. I would really appreciate ANY help with this.
NOTE: If you disagree with me and want to write some alternate opinion and say he's her dad and he deserves equal time, blah blah blah then I
know you did NOT read this entire question or perhaps you are illiterate. Plese just keep your opinions to yourself. That is not what I am asking for. If I want opinions I promise you, I will specifically ask for it. Thank you!
BTW, I'll probably post this a few times so I can reach as many people as possible. Thanks again! Cheers!
Voting Question: Penn Foster Human Resource Management?
I wanted to know is the penn foster college online in the Human Resource Management program worth it in my situation? I want to become a Human Resource Assistant. I love doing administrative work! I could also become an administrative assistant as an option. I am not planning on going to get a bachelor degree, although a few colleges might accept them since there approved by ACE. The reason why I don't want to go to college is because in a couple more years from now my family is started a business and I'm going to be working at the business. The thing is I just got out of debt and now I am debt free in 2009. And if things don't fall through with the family business I would want to gain an education and make a career to support myself. What is your suggestion? Thank You!
Resolved Question: Parents treating me (the youngest) unfairly?
Let me start out by saying I'm youngest of the 3 kids. My parents' first kid, daughter, is 22 years old. My parents' second kid, their son, is 19, and I'm their last kid, daughter, I'm 17 years old.
Ok, that's out of the way.
My sister (22), recently moved out. She totally changed over a few years. She use to be a decent kid. Decent older sister. But, as she got older she took the wrong path and I can honestly, unproudly say, she's a druggie, dating a druggie, was screwing a married man for free rent, and I guess a slut who pole dances.
My brother (19), I do think every parent wants a son. My brother has never really been a brother to me. I can't say he's the perfect son (not like there's a perfect kid anyways). He's got an angry side to him, but he's also got a emotional side to him (yes, he cries.) He got good grades while he was in highschool. He had the 10 key for accounting down. And was offered to take my aunts accouting business when he got more educated. But he turned it down and turned to bowling. He really loves bowling, and that's great. He's a mechanic at a bowling alley. He's on his 4th car. He's majorly in debt to my parents. Thousands of dollars.
I (17), am their last child. I'm the girl who loves to smile. I'm the cowgirl in the family. I'm the photographer. I know I have talent, without having someone tell me.
My parents (mainly my mom) had always babyed me. I never enjoyed spending the night. I always wanted to be home. Instead of hanging out with friends, I'm home with my parents.
I'm a good kid. I don't drink. I don't do drugs. Still a virgin. During my days, I will watch people... watch them make mistakes and I tell myself not to make the same mistake as they did. Saying that, not end up like my sister.
I do have a backbone. I don't appreicate people treating me like a door mat. Again when I say a backbone, I do use that against my parents. Who isn't sick and tired of parents or your peers say and or thinking that "you know everything." I know I don't know everything.
As for the unfairty. I guess this question goes two ways.
BEAR WITH ME.
1. I'm writing this question because at the dinner table, all my parents seem interested in talking about is my brothers new car, or his time at work and his bowling team.
When I spoke up and asked why they never talk about "what happened at the barn today?" They said because I'm so eager to tell them when I come home. My response to that was "I dont want to have to tell you all the time. I want you to ask me." And my mom called me selffish after that. And I don't understand....
Today during dinner AGAIN my parents started talking to my brother about his new car and about his day at work, and how well he did at bowling. I sat there, and said nothing. My parents didn't even notice that he had upset me.
When dinner was over, my brother carried his plate to the diswahser and headed up stairs. While I was cleaning up my dishes my mom told me to get the other dishes. I told her "Why not have Matt (my brother) some?" She shrugged and continued cleaning. I said it again and she told me to tell my father to tell him to come back down. I said "NO you tell him to come down. Your just as much his parent than my dad." And long story short, my mom never called him down.
The more I try and talk about it, the more they just shut me down. I don't think I can take "Your being selfish" any more. Talking to my parents is becoming harder than it should really be. As you read this, please understand that there are parents out there who are like this.
I suggested family couseling, but my mom said no.
2. My parents (mainly my mom) are really big on making their kids shelterd. Which is good in a way. I understand the concept to a certain degree, but I think it's unfair. They've made structure in the family. Great. But, we still have to make mistakes. Not avoid them. Accept them. Right?
I think my sister is the way she is now because she never got to make common mistakes.
I think my brother is the way he is because, my parents clearly love him a lot. He's treated majorly differently than my sister and I. And it really does shows.... I simply can't show you the reader.
I think I'm this way, because my sister is screwed up. I know my parents love my brother a lot because it shows. I know my parents love me, but they don't show it. YES, they feed me. Yes they put a roof over my head. Yes they put clothes on my back, but where did unconditional love go? I'm the type of kid who needs to be told, or the feeling just disapears.
I'm not giving up. I just don't know what to do. I just can't seem to make my parents understand.
Resolved Question: bankruptcy/ real estate long question?
A little background here.. I am trying to get myself out of a terrible financial situation. I was 22 when my husband and I bouught our first home (which is upside down) and started accumulating debt. I live in Las Vegas where the real estate market has plummeted. My husband and I are separated, and have about 45 thousand in debt bewteen the both of us. We keep tinkering back and forth between doing a bankruptcy or just paying our bills off.I have gotten setlements on 3 of my accounts, so that would bring me to $30000 in debt approximately, the also offered to do a loan modification, POSSIBLY approved after a six month forebearance on our home. Bringing our payment from $2500 a month to about $1200. But we wont know for 4 months if that is even approved and it could go either way. I am in the reserves and trying to go on a deployment for 7-9 months that would be about $38000 tax free before the end of the year. If I do a Chapter 7, I believe the majority, if not all, of that money is protected. I could save it, and use about 1/2 of that to buy an investiment home, but I won't be able to buy one until after statue of limitations which is 2 years minimum?? If I don't do a bankruptcy then I plan to pay off the settlement accounts first, while paying the others off consecutively (monthly) to reestablish history.after 6 months to 1 year of rebuilding my history then I want to buy an investment home. I am now 25, and I know now basic necessities to be secure. Such as 3-6 months emergency fund, as 0- minimum amount of debt as possible, and securities to help me survive or profit from the recession, my choice is real estate since I've studied it, I enjoy it, and I believe firmly I know how to make money in it. And I don't know much about any other market, such as the stock market, orinvesting.Please help. We have been riding the fence for about 7 months, wasting time because our minds keep changing. We are separated but which ever way we decide to go with this we plan to help each other. I want to build my wealth, become secure, and have long term investments. I want to start up a business (home staging) within the next 3 years also.
Resolved Question: bankruptcy/real estate/ long question?
A little background here.. I am trying to get myself out of a terrible financial situation. I was 22 when my husband and I bouught our first home (which is upside down) and started accumulating debt. I live in Las Vegas where the real estate market has plummeted. My husband and I are separated, and have about 45 thousand in debt bewteen the both of us. We keep tinkering back and forth between doing a bankruptcy or just paying our bills off.I have gotten setlements on 3 of my accounts, so that would bring me to $30000 in debt approximately, the also offered to do a loan modification, POSSIBLY approved after a six month forebearance on our home. Bringing our payment from $2500 a month to about $1200. But we wont know for 4 months if that is even approved and it could go either way. I am in the reserves and trying to go on a deployment for 7-9 months that would be about $38000 tax free before the end of the year. If I do a Chapter 7, I believe the majority, if not all, of that money is protected. I could save it, and use about 1/2 of that to buy an investiment home, but I won't be able to buy one until after statue of limitations which is 2 years minimum?? If I don't do a bankruptcy then I plan to pay off the settlement accounts first, while paying the others off consecutively (monthly) to reestablish history.after 6 months to 1 year of rebuilding my history then I want to buy an investment home. I am now 25, and I know now basic necessities to be secure. Such as 3-6 months emergency fund, as 0- minimum amount of debt as possible, and securities to help me survive or profit from the recession, my choice is real estate since I've studied it, I enjoy it, and I believe firmly I know how to make money in it. And I don't know much about any other market, such as the stock market, orinvesting.Please help. We have been riding the fence for about 7 months, wasting time because our minds keep changing. We are separated but which ever way we decide to go with this we plan to help each other. I want to build my wealth, become secure, and have long term investments. I want to start up a business (home staging) within the next 3 years also.
Resolved Question: analysis of this article?
South Korea and the global financial crisis
Wed, Dec 3 02:20 AM
The Republic of Korea (South Korea) has recently taken proactive measures to cope up with the implications of American financial crisis, which has become global in nature. It is said that all the countries which are closely linked with the American financial system are going to be severely affected by it. Even if Richard Murray, the IMF's Pacific region director, assures that South Korea is much better positioned to weather the current economic downturn, there are apprehensions expressed about the impact of crisis on South Korea.
A closer look at the South Korean economic fundamentals makes it obvious that there is more fiction and fewer facts in most of the formulations of doomsday sayers. It is necessary to keep economic fundamentals central to any predictions about the impact of this crisis on South Korea. Basically, some recent problems of the South Korean economy could be attributed to two other reasons, which have no direct correlations with the American financial crisis. The first is an unexpected surge of global oil prices in the mid-2008. Korean expenditure on the import of crude oil reached up to $17.7 billion and it got reflected in increasing current account deficit of the country. As of August 2008, the current account deficit of the country reached around $12.6 billion. However, after the price of crude oil has come down around 30%, there is a strong probability that the current account deficit of Korea would improve significantly. The second source of the problem is unreasonable doubts over the health of the Korean economy. Thus, it is important not to overlook the positive trends to arrive at a more comprehensive understanding of the impact of the crisis on South Korea.
It is inappropriate to understand the impact of present crisis on Korea by comparing it with the 1997 financial crisis as both are quite different in their origin and nature. Whereas, the 1997 crisis was a product of domestic financial mismanagement, the present crisis is evidently exogenous in nature. If we compare the economic indicators of South Korea during the 1997 crisis and now, it is obvious that both are quite different. In the first scenario, Korean foreign reserve was only $8.4 billion, but it has now climbed up to $240 billion. In 1997, the South Korean total external debt to foreign reserve was 1,957%, which is now 173% only. In addition, in the 1997 crisis, the South Korean Bank's Non-performing Loans (NPL) ratio was 6% which in now less than 0.6%. Unlike in the 1997 crisis, most of the economic fundamentals of the Korean economy are quite sound. Now, Korea has less than one third of its foreign loans as short-term and it has a comfortable $240 billion of foreign reserves to deal with any unforeseen situation.
On the basis of these strong fundamentals, it could be said that though South Korean economy would get affected by the American financial crisis, the effect could not be compared to the 1997 crisis. An export-led South Korean economy would undoubtedly face problem because of the shrinking American and European markets but the North America and EU constitute only 13.3% and 15.1% of the South Korean export market. In contrast, China, Asean, Japan and other countries constitute 22.1%, 10.4%, 7.1%, and 19.1% of Korean export market respectively. Furthermore, the basket of South Korean export is also quite diversified. In the wake of crisis, the South Korean export to the US and EU would get affected, but the crisis would propel South Korea to concentrate more on intra-regional trade and explore new export destinations. It is interesting to mention that the South Korean export to China has grown despite the recent slowdown of China's exports. The South Korean export to China expanded 33.7% in the second quarter of 2008. China has been working to boost its domestic demands and it would be a good opportunity for Korea to capture upcoming market in China. Recently, South Korea, without being unnecessary perturbed by the crisis, has set an ambitious target of increasing its exports to $500 billion by 2009.
The doubts about the South Korean external debt, banking and housing sectors are also not sustainable. For example, the external debt is around $420 billion but $152 billion of it is risk-free. Similarly, South Korean banking sector has moderate loan growth in 2008 with a continued low level of delinquency. Also, South Korean banks do not have currency mismatch problem which was there in the 1997 crisis and South Korean housing sector has maintained balanced growth rates supported by robust mortgage regulations in recent years.
When there is crisis of faith in market, genuine or imagined, it is the responsibility of the state to intervene and provide assurance about the economic health of the country. South Korean government has taken various proactive steps to curb potential negative fallouts of the crisis. On October 19, the go
Resolved Question: How can I become debt free and more responsible in 09?
I am trying to start the new year off right. I want to get out of debt and become more responsible when paying may bills. I am in the process of paying of mybankruptcyy. Does any one have useful suggestions for me. Or a system that seems to work for them?
Resolved Question: Is my ex being selfish or is it me?..sorry long....?
I was with my ex for 11 years. We have 2 daughters together. He has another daughter from his first marriage also. We broke up nearly 3 years ago.
He only sees the girls on Saturdays from 11-5pm. He lives back as his mothers 5 bedroom house just 15 minutes from mine. He wont have them for weekends or overnight.This year they slept over 4 times in the whole of 2008.He always has an excuse,usually that his mother isnt well so they cant come over. I've tried for us to have a happy medium but he wont budge so I just have to get on with it.Its hard for the girls as they miss their dad.
This year his work has really dried up(he's self employed) and he filed for bankruptcy in 2007 due to debts of several thousand(main reason we broke up sadly).He does pay maintance but I have never felt its been enough especially as he has no outgoings(apart from miantance for all children).
I found out from my eldest that my ex is now looking at becoming a cabbie. Obviously he does need a new job as he's only been taking home about £1,000pcm.
When we talked about it today he told me his PCO license will take 2 months and then he will be working 7 days a week. He explained that Fridays and Saturdays are the bussiest nights and he can earn up to £300 per night. So he's said he wont be able to see much of our children due to working and providing for all his children.
The thing is I work full time 5 days a week. I'm both a mum and dad to my girls. I very rarely go out due to babysitting difficulties(no mum, dad abroad) so I dont have any free time.
I love my girls but I do need my own space and those few hours on a Saturday was my time to catch up with stuff. Plus my girls need their dad, yet he doesnt seem to care. It will also mean I bascially wont have a social life,and I have a large circle of friends.Ive been single all this time part from brief dates and I dont want to end up all lonely not being able to even go to the cinema with friends.
My ex told me that if I want to go out I will need to sort it out some other way,Ive never got on with his mother.Yet his other daughter (who I adore and took on holiday this year) sleeps over every friday and if his ex-wife wants anything done she gets it.
He pays £200pcm total for both.When I checked with CSA they said this was acceptable.
Even with this new job he wont be increasing maintance so the excuse of having to work 7 days just doesnt wash.
I cant reason with him.What should I do?
Please,no spiteful or silly answers.I need some genuine opnions
Resolved Question: What is your New Years Resolution?
It can be spiritually and/or materialistically, or physically
mine is:
to become a better christian and wife
to lose my baby gut ;)
to learn how to love more as Christ loved
to take a vacation
to be debt free
to own another vehicle
just a few things on my list
sam.......... absolutely wrong... very wrong in ecclesiastics 5v5 it states it is better to say nothing then to make a promisse and not keep it.
i've been pretty good with keeping my promises..... so i don't think i have a problem in that aspect
black heart......... i'll pray for you
Resolved Question: In a state of flux, what can I do?
A week ago, right before Christmas break, my ex-girlfriend and I went our separate ways in life. We were in a complicated 3 year relationship that included 6 months of dating, 2+ years of long-distance and 5 months of living together. Of those 2+ years of long-distance, we broke up twice and eventually got back together within a month or so. She had cheated on me and I probably shouldn't have forgiven her. I had always stayed faithful and even told myself it wasn't that big of a deal because we were far away and it happened because she was so drunk. I had made the same mistakes a few years ago while I was still in college, so I guess I forgave so easily because I knew how it felt to be in her shoes.
Maybe because I was such a fool and was so nice to her, she had always came back. Eventually I couldn't deal with the long distance relationship anymore and she moved here to be with me to try make things work. Everything about her is great. She is everything I have ever wanted in a girlfriend, except she is emotionally detached (she said it herself) and she has a 4 year old daughter. It wasn't bad dating a single mother, but it was entirely different living with one. She had moved 1600 miles to be with me, and I felt like I let her down. I used to be always happy around her, but after they moved in with me things went down hill. I’m 25, I have a career, have an engineering degree and almost my MBA, and I thought I was ready to have a family.
Deep within I was struggling with the fact that I was going to raise someone else's kid and having to deal with all that came with it. Because of the bitterness within I started thinking about the times she cheated on me and that just led to more resentment. Next thing you know I was becoming easily irritable around them and didn’t even want to be in the same room with them. Then later I found out that she had lied to me about how much school she has left and her credit card debts. And the straw that broke the camel’s back… I found out I was the one that she had an affair with while she was married. I had no idea she was married when I met her.
I don’t know why I still care about her, but I do. She still wants to be friends with me and I told her sure, but I don’t know how I really feel about it. I feel like I just need time and friends to hang out with, but I just relocated for my job 7 months ago and my life is so busy with work I hardly get the chance to meet new people. The people at work are too old to hang out with as most of them are 40+ with family… I tried. I know nothing could become of us, but for some reason I am unable to remove her from my life. I’m still living in the 2 bedroom apartment we got together, and it’s so big and empty with memories of her everywhere. I wish her the best in life. I still feel trapped by this relationship and I just want to set myself free.
What can I do?
Thanks for reading.
Resolved Question: Any tips for my savings goals?
Hey! I'm a 15 year old high-school student who has had a job at Mc Donald's since my 14th birthday! :) Im also going to china this spring break! :D
My financial situation As of Dec 1:
In debt $2500 to a family member. With some selling of stuff and side jobs this has been reduced.
My current Financial Situation:
My debt is down to $1500. I will have this paid by February 1.
After this is paid i have 2 pay checks coming before my trip, which will be SPENDING MONEY!.
So when i get back from china I will be debt free and had an awesome trip.
My parents are giving me a car July 16th if I pass my licensee test. Im responsible for every expense related to it.
I plan to save $1700 to pay my first years insurance. :)
Anyways, saving has become so easy cause im only 15 with no bills! :) And i work 30 hours a week cause i love my job and got a second promotion, a Team Leader at Mc D's.
----
So. basically i just wanted to get that all written out! Any tips or advice from your savings experience?
Thanks Primericaisbad! I guess I don't really need to blow my money in China. I checked out an online retirement calculator, and based on what even $500 dollars of that will be when I'm 50 I think I'll save! :)
Gosh I love not having bills. :)
Jackson, thanks for the answer! My checks are $500 each, so im pretty sure $1000 wil be enough spending money. The trip includes EVERYTHING, transportation, hotels, food, etc. Im just going to throw everything out of my suitcases and come back with all new stuff from CHINA! :)
Good second opinion on the retirement too.
Resolved Question: What is probably TRUE of the Alpha proteobacterial ancestors?
Modern mitochondia are the descendants of what were once free-living alpha proteobacteria. In so far as mitochondria became inactive during periods of oxygen debt, what is probably TRUE of their Alpha proteobacterial ancestors?
a. they were obligate aerobes and heterotrophs
b. they were obligate aerobes and autotrophs
c. they were obligate anaerobes and heterotrophs
d. they were obligate anaerobes and autotrophs
e. they were facultative anaerobes and autotrophs
Voting Question: As WE THE PEOPLE is it our right by laws to accept the injustices in Washington, or is it duty to stop it?
Consider these quotes before answering please.
"I believe that banking institutions are more dangerous to our liberties than standing armies. Already they have raised up a moneyed aristocracy that has set the government at defiance. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." Thomas Jefferson
"If the American people ever allow private banks to control the issue of currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their fathers conquered." Thomas Jefferson
"If the American people ever allow private banks to control the issue of currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their fathers conquered." Thomas Jefferson
"We must not let our rulers load us with perpetual debt. We must make our selection between economy and liberty or profusion and servitude. If we run into such debts as that we must be taxed in our meat in our drink, in our necessities and comforts, in our labors and in our amusements, for our callings and our creeds...our people.. must come to labor sixteen hours in the twenty-four, give earnings of fifteen of these to the government for their debts and daily expenses; and the sixteenth being insufficient to afford us bread, we must live.. We have not time to think, no means of calling the mis-managers to account, but be glad to obtain subsistence by hiring ourselves to rivet their chains on the necks of our fellow suffers. Our landholders, too...retaining indeed the title and stewardship of estates called theirs, but held really in trust for the treasury, must...be contented with penury, obscurity and exile.. private fortunes are destroyed by public as well as by private extravagance.
This is the tendency of all human governments. A departure from principle becomes a precedent for a second; that second for a third; and so on, till the bulk of society is reduced to mere automatons of misery, to have no sensibilities left but for sinning and suffering... And the fore horse of this frightful team is public debt. Taxation follows that, and in it's train wretchedness and oppression." Thomas Jefferson
"We, the people are the rightful masters of both Congress and the courts, not to overthrow the Constitution, but to overthrow men who pervert the Constitution." Abraham Lincoln
Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God! I know not what course others may take; but as for me, give me liberty or give me death!
PATRICK HENRY
"If we wish to be free, if we mean to preserve inviolate those inestimable privileges for which we have been so long contending, if we mean not basely to abandon the noble struggle in which we have been so long engaged, and which we have pledged ourselves never to abandon until the glorious object of our contest shall be obtained _ we must fight!" Patrick Henry
Voting Question: What do you think of this poem,...?
you wronged me so severely
so i must put everything right
i see now much more clearly
that this should end tonight
i had become your slave for years
wasting my life making yours superior
drowning in a sea of my own tears
as i am beat down and to you inferior
so in the background i work
to glorify and hide your drug use
inhaling your meth with a smirk
as you put me through dark abuse
you hurt to make me pay with pain
all your debts and problems in this life
hit after hit, but never did you gain
so subvertly you strike me and your wife
to you i direct my bruised loathing hate
slitting my veins equivalent to your throat
to leave is my sole wish, to just dissipate
if i had done either i would surely gloat
but alas i am stuck in this cycle of distress
but not a soul i am allowed to tell unless
for my deepest darkest, wanting to confess
to put away my tragic never ending stress
so lips i have them sown tightly shut
feeling the strings slither through taut
never to be opened or let alone cut
for i will be stoned and surely caught
my only way out and to a freedom
is to lose my vague subtle existence
i write this and no one will see them
to lose my empty trivial resistance
so sickle to the throat, with speed
wanting to escape this torment
so hastily i do cut, with dire need
in spasms, of a rosy assortment
loss of life like a wilting flower
draining each ounce of bitter pain
ticking closer is my final hour
soon as well, will i burn in flame
slowly does the sickly body drop
so his pain it briskly does stop
the fall of the child to the floor
to never be in agony anymore
to every poor child who thinks he's not free
if you don't hold on now this is how it will be
keep your chin up and soon it will be stout
and freedom you will one day soon shout
------
http://sharepoetry.com/poem/by/LifeIsIronic/
Voting Question: Do you think I'll win in court and what do you think of these ppl?
Okay so I had this "mentor" Jamie. I became pregnant and moved out of my apartment. Now she pretty much pressured me to move in with her and her husband. They are in their early 40s, Iam 22.
I HAD a beautiful 95 Trans Am in great shape with only 65000miles that I was attempting to sell for quite awhile because I wanted to pay off a credit card bill I had and still have (...)
Well they said they wanted to buy it not only because they wanted it but to take the 250/mth payment of my hands
So I agreed and did NOT sign a bill of sale because I TRUSTED them
They were to make payments of 250/mth until the debt was paid in full
I sold it to them for 5grand
In the meantime the agreement was that I live there RENT FREE
These ppl claimed to care about my, called me family and pretended they were
Now we had a falling out and I moved from there and now they are saying I owe them 2600 dollars in back rent
A nice cover for the money they owe me for my car
I want to sue them in small claims court but im not sure if ill win because i didnt have them sign anything
However I have two letters from them and they admit they bought a car and were making payments but lie and say that since i didnt save any money(which i did) the no rent conract is null and void and now i owe them all the back rent for the 26 weeks i stayed there (which just so happens to equal to the amount they have yet to pay on my car) again nice cover up
Do I have a leg to stand on in court?
I am furious over this, I think its just downright sad and despicable they wanna take almost 3grand from someone half their age
I worked for the car and nearly had it paid off
And not to mention they are not only taking from me but my son as well
They assured me all along" we know you'll be out of work but you'll have the $250 /mth coming from us"
Btw I met my mentor thru a program for young adults aged out of foster care, thats how I know them and the director of that program knows there was no rent being charged and said she would go to court with me
DO i have a leg to stand on? I live in Michigan if that matters. I am just wondering if verbal contracts for rent stand up in Michigan
I find it funny what he said in the letter "since you didnt save the 250 car payment we gave you, our no rent contract is null and void and you owe us 2600 for back rent"
wtf?
THE LETTERS AR TYPED AND THEY ONLY SIGNED THE ONE ASKING FOR RENT BUT IT DOES MENTION THEY WERE MAKING CAR PAYMENTS
AND THEY SENT IT CERTIFIED MAIL SO THERE'S A RECORD AT THE POST OFFICE IF THAT MATTERS
AND THE TITLE IS IN JAMIES NAME
they paid the remaining loan of 1400 off
Resolved Question: Which of these radical ideas might both Conservatives and Liberals rally behind together...?
1. Profit-sharing/stock ownership plan for UAW Workers, as a pre-condition for bailout package...
Conservatives should like it, because ownership & profit sharing in the company will bring UAW back to RESPONSIBLE negotiations that don't jeopardize the long-term viability of companies and encourages more pay-as-you-go type spending tied to immediate financial condition of the company with creating long term debt/liabilities.
Liberals should like it because it puts workers first, and increases power of UAW in a responsible long-term viable way.
2. A Marshall plan for Russia that is contigient on respect to the sovereignty of existing nations as they are currently drawn, and would be used to encourage non-oil based economy (i.e. manuafacturing & industry).
The idea here is to stabilize a country in economic turmoil due to the sinking price of oil that owns the greatest number of nuclear missiles outside the United States. We cannot afford to let them become destabilized. At the same time we can use economic aid to pressure reform(free speech, free press, freedom of dissent), respect of border integrity, and most importantly move them to an economy that can benefit their people long term---beyond oil usage. Oil is a corrupting influence that encourages power grabs that hurt their people.
Conservatives should like protections against nuclear proliferation, border stability, and reform of tyrannical government.
Liberals should like the addressing of the underlying causes of Russia's tyrannical gov't as well as decreasing oil focus by Russia.
Just some radical out-of-the box thinking for the Last working Friday of the year.....
Resolved Question: Is it time for "Shock Therapy? "?
What I'm talking about are policy actions equivalent in rapidity and scope to those that were developed by Jeff Sachs and used with a large degree of success in places like Bolivia and Poland.
http://en.wikipedia.org/wiki/Shock_therapy_(economics)
Seeing as how all of the measures by the Fed and Treasury - in concert with their international counterparts - have ceased to halt the financial crisis, I'm increasing starting to think if it's time to try some shock therapy here.
- Raise the discount rate to 10% or higher to assuage investors' concerns about the trillions of Dollars, Pounds, and Euros that are being printed, and to rapidly liquidate the bad debt in the system.
- Raise the required reserve ratio to 20% to restore confidence in bank solvency.
- Guarantee demand deposits, money market accounts, and other nominally risk-free investments.
- No more bailouts or liquidity injections on the supply side (directly to institutions).
They way I figure it, we're going to be in for a lot of pain either way, so why not make it 2-3 months of pain, rather than potentially years of it? It also seems obvious to me that we're in a liquidity trap, so monetary policy actions are totally ineffective (once interest rates are cut this low, money and T-bills become competing assets). Most of the banks and financial institutions will fail, but what of it? They're going to end up completely nationalized anyways if we keep up the piecemeal band-aid measures.
Resolved Question: Urgent Question about my Father's Will?
I've re-written this about 3 times because I'm so emotional about the entire situation that I end up writing a novel! I'm going to try this again without the sentiment about my wonderful Dad so that it's not so long.
My father became very sick very quickly in April of this year. He developed Pancreatic Cancer, and I was DEVASTATED because I had lost my wonderful Mom 3 years earlier ALSO to PC. Daddy was my hero, and I was by his side 24 / 7. He needed constant care from this horrible disease.
5 important notes:
***After Mom died, since I was single, I moved in with my Dad from my apartment to help him acclimate to things since he and Mom were together for 45 years. (Daddy was a very strong man, but he was very hurt by losing Mom.)
***I had a minimal amount of Credit Card Debt, but Dad hated any kind of debt, and he helped me over 6 months to become debt free.
***At the beginning of this year, we were all getting along better, and getting on with things, and Dad was trying to help me find a house or a Condo because he HATED me Renting!
***After Mom died, my oldest brother and my Dad "flipped" a couple of houses using the money from Dad's Home Equity Line. Dad would invest the money, they'd hire people to work it, and they'd split the profit AFTER Dad's Home Equity Line was paid back.
***In August 2007, my brother and my Dad invested in another house which my Dad called "The Money Pit" because he was SICK of putting money into it.
IN A NUTSHELL, Dad wanted me to have the house (the house where we grew up) and he gave my brother the plot of land beside the house. My oldest brother told Dad that his attorney could draft a Will for him, and Dad agreed.
When my oldest brother brought the Will up to my Dad's hospital room, Daddy had JUST gotten back from chemo. My brother "SKIMMED" the contract with my Dad, just stating the "Basics". When I asked to see the Will, my sister-in-law was hovering over my brother so I couldn't see it, then my brother flipped through a couple of pages and said "This is the part that pertains to you. It says you get the house." My Daddy passed away 4 days later with me holding his hand.
Again, trying to be brief here, my Father still had the $60,000 outstanding Home Equity Line after he passed away. The ENTIRE $60,000.00 is the money paid on the "flipped" house. My brother had the Will written so that if there were any outstanding Liens or Debts attached to any Gifts from the Estate, the Lien or Debt would become the responsibility of the person who received the Gift. Therefore, as the person who inherited my Dad's house, I inherited this DEBT.
My father would NEVER have intended for me to inherit a house with a DEBT attached to it! It's so frustrating because the way my brother had my Dad's Will written, he didn't have to show us ANY of the bank statement records, NONE of the Checks, etc. He had a clause SPECIFICALLY stating in the Will that he wasn't required to show ANYTHING to us.
I never DREAMED my brother would betray me this way.
In reference to the house that they were "flipping", since Dad was co-owner at the time of his death, it's an asset. Therefore, my oldest brother gets 50% of the house, and the 4 of us split the other half 4 ways.
I know that my father intended for my oldest brother to SELL that house across town to pay off the Home Equity Line as they had done before. My daddy was too SICK at the time to think of legal strategy. And we TRUSTED my oldest brother to do the RIGHT THING! We THOUGHT he was HELPING! My other 2 brothers are completely on my side and have almost come to BLOWS with my oldest brother about this because they know it would have been what Dad wanted.
I've consulted NUMEROUS attorneys, and they're telling me that since my brother had the clause about the gifts in there, there is NOTHING I can do. Most of the attorneys with whom I speak are sympathetic to my situation. They all state that ETHICALLY, it's a travesty, and my brother shouldn't have done this; however, LEGALLY, he has done nothing wrong.
As well, they tell us that if we contest the Will, then my Dad's estate will be divided into 1/4's (for all 4 of us kids.) I'm perfectly okay with that, but my other 2 brothers are saying that it's wrong because that's not what Dad wanted. He wanted me to have the house unencumbered. They're saying that it's crazy that you have 3 siblings who KNOW how Dad would have wanted this, and our oldest brother is the only one profiting, and he has all the power.
I've picked up the 90 Day Inventory, and this is the only knowledge I have of the things that my brother has accounted for.
I'm so unbelievably hurt and frustrated.
Does anyone have any suggestions? I feel that I've exhausted EVERY possibility, and one of my brothers is pushing me to find someone else to do something. I'm so unbelievably depressed about all of this. Besides losing my wonderful Dad, I'm dealing with this massive
Resolved Question: Do you think I'll get my money for my car, this is long but if you could help...?
Okay so I had this "mentor" Jamie. I became pregnant and moved out of my apartment. Now she pretty much pressured me to move in with her and her husband. They are in their early 40s, Iam 22.
I HAD a beautiful 95 Trans Am in great shape with only 65000miles that I was attempting to sell for quite awhile because I wanted to pay off a credit card bill I had and still have (...)
Well they said they wanted to buy it not only because they wanted it but to take the 250/mth payment of my hands
So I agreed and did NOT sign a bill of sale because I TRUSTED them
They were to make payments of 250/mth until the debt was paid in full
I sold it to them for 5grand
In the meantime the agreement was that I live there RENT FREE
These ppl claimed to care about my, called me family and pretended they were
Now we had a falling out and I moved from there and now they are saying I owe them 2600 dollars in back rent
A nice cover for the money they owe me for my car
I want to sue them in small claims court but im not sure if ill win because i didnt have them sign anything
However I have two letters from them and they admit they bought a car and were making payments but lie and say that since i didnt save any money(which i did) the no rent conract is null and void and now i owe them all the back rent for the 26 weeks i stayed there (which just so happens to equal to the amount they have yet to pay on my car) again nice cover up
Do I have a leg to stand on in court?
I am furious over this, I think its just downright sad and despicable they wanna take almost 3grand from someone half their age
I worked for the car and nearly had it paid off
And not to mention they are not only taking from me but my son as well
They assured me all along" we know you'll be out of work but you'll have the $250 /mth coming from us"
Btw I met my mentor thru a program for young adults aged out of foster care, thats how I know them and the director of that program knows there was no rent being charged and said she would go to court with me
DO i have a leg to stand on? I live in Michigan if that matters. I am just wondering if verbal contracts for rent stand up in Michigan
I find it funny what he said in the letter "since you didnt save the 250 car payment we gave you, our no rent contract is null and void and you owe us 2600 for back rent"
wtf?
THE LETTERS AR TYPED AND THEY ONLY SIGNED THE ONE ASKING FOR RENT BUT IT DOES MENTION THEY WERE MAKING CAR PAYMENTS
AND THEY SENT IT CERTIFIED MAIL SO THERE'S A RECORD AT THE POST OFFICE IF THAT MATTERS
AND THE TITLE IS IN JAMIES NAME
they paid the remaining loan of 1400 off
Resolved Question: A poem about a child going through struggles, does it fit?
you wronged me so severely
so i must put everything right
i see now much more clearly
that this should end tonight
i had become your slave for years
wasting my life making yours superior
drowning in a sea of my own tears
as i am beat down and to you inferior
so in the background i work
to glorify and hide your drug use
inhaling your meth with a smirk
as you put me through dark abuse
you hurt to make me pay with pain
all your debts and problems in this life
hit after hit, but never did you gain
so subvertly you strike me and your wife
to you i direct my bruised loathing hate
slitting my veins equivalent to your throat
to leave is my sole wish, to just dissipate
if i had done either i would surely gloat
but alas i am stuck in this cycle of distress
but not a soul i am allowed to tell unless
for my deepest darkest, wanting to confess
to put away my tragic never ending stress
so lips i have them sown tightly shut
feeling the strings slither through taut
never to be opened or let alone cut
for i will be stoned and surely caught
my only way out and to a freedom
is to lose my vague subtle existence
i write this and no one will see them
to lose my empty trivial resistance
so sickle to the throat, with speed
wanting to escape this torment
so hastily i do cut, with dire need
in spasms, of a rosy assortment
loss of life like a wilting flower
draining each ounce of bitter pain
ticking closer is my final hour
soon as well, will i burn in flame
slowly does the sickly body drop
so his pain it briskly does stop
the fall of the child to the floor
to never be in agony anymore
to every poor child who thinks he's not free
if you don't hold on now this is how it will be
keep your chin up and soon it will be stout
and freedom you will one day soon shout
Thank you so much,.. yea i thought about doing a book and recently put one out,.. but i couldn't bring myself to charge money for it:)),... so Email me and i'll send if you want:-??
Voting Question: please read and leave some comments Various topics?
To you who do not take intrest in this topic please give it 2 minutes of consideration as this effects all of us.
ive spent many nights and days reasearching all the worlds problems and some solutions. My research has taken me across the spectrum and back. to things such as global warming, to peak oil. It has become evident tho something dramatic is happening even if not directly pinpointed theres no doubt that the earth is dying. If you were to say other wise then you'd be very close minded. I will not get into major detail here but id only like to share with you some of my findings so that you are
A) Informed
B) can inform others
C) take action if you wish
The links/Topics i will give below cover many issues ,
1. the monetary system
SITE: http://www.americanlibertyrights.org/monatarysystem
2.oil diminishmesnt, (how everything we use , eat , need is derived from oil and how it is non- renewable and will run out maybe sooner then we think)
SITE: http://www.lifeaftertheoilcrash.net/
3. Humans ecological footprints (How much Humans effect the earth and diversaty) ,
SITE: http://www.panda.org/news_facts/publications/living_planet_report/index.cfm
4. ecological overshoot ( the amount of resources we consume and how there is not enough time for earth to replenish) ,
SITE: http://www.footprintnetwork.org/gfn_sub.php?content=overshoot
5.Zeitgeist 1 & 2 ( please forget the religious aspect of Zeitgeist 1 if you are religious and look at this with an open mind if you are offended by his findings please skip to part 2 , but id like for you all to see this)
SITE: http://www.zeitgeistmovie.com/
6.chemtrails ( even if you dont think these are real please read with an open mind as this is a world wide phenominon)
SITE: http://www.chemtrailcentral.com/
SITE: Youtube this as well
7.Global warming ( alot think this is a scam but you cant deny that the arctic is melting very rapidly and what this could mean for life )
SITE: http://www.climatehotmap.org/
Current mass extinction ( I dont have a link for this but google it very intresting , Findings that the worlds Species are dying at a rate faster the when dinasours became extinct)
Over population ( very real and destructive tho there may be nothing we can do about this one but look it up and see how much it effecgs us)
SITE: http://www.overpopulation.org/
Research capatalist democracy ( Media enfluences Us all way to much, In a way the Elite have made a mockary of democracy and have exploited us for there plans)
Americas Current Debt ( America is currently so far in debt to the federal reserve that theres no way of comming out of it the FED is the priatly owned bank of america that produces and regulates its money
and LOANS it to the american government at INTREST READ THIS)
SITE: http://www.brillig.com/debt_clock/
ABOLISH THIS SYSTEM THERE IS NO NEED FOR THE AMERICAN PUBLIC TO HAVE TO PAY HARD EARNED MONEY FROM THERE PAY CHECKS TO COVER A DEBT THAT WILL NEVER BE PAID, its the biggest scam ever made. There is no freedom in this system only slave labour.
There are many other topics but i cannot think of them all right now please give this topic hard consideration , we humans have caused a very fatal trend on our planet and if we dont learn to live a more eco friendly lifestyle and help live WITh the earth not AGAINST it then we may all meet our demise no joke this is real and current. please help protect the only thing we know and speak for our world as it cant speak for itself thank you. We need to live a sustainable lifestyle and free to do whatever we want this is our lives not corperate companies slaves , help free the world By cleansing the planet and stopping the corperate profiet reaping eliete nothing will change if we just stand around.
Thanks
Resolved Question: If i just stop making payments on a credit card, can they eventually sue me for the balance?
I have two lines of credit open that total around $8,000. The minimum monthly payments became to much for me, after a pay cut and my employer changing my medical decuctions. So, it has been quite a few months now that i havent made one payment towards either of these cards. I have spoken to people from both companies, trying to figure out a way to continue to pay off my debt but the only options they gave me were very un do'able. They wanted half of the balance due, paid in full within 15 days. Well, if i cant come up with a $200 payment every month, what are the chances im going to be able to come up with $4000 in 15 days..lol So, my question is this..if i continue to ignore these companies and my accounts get turned over to collection agencies, what happens next? Will the accounts just be at a charge off status, and i'm free of those debts (once the collection agencies stop calling)? I have read that eventually you could be sue'd or your wages garnished, are either of those common for creditors to do? I've had so much mixed advice. I know another option is always bankruptcy, but at 28 years old that seems a little ridiculous. Any advice is VERY much appreciated!!
Voting Question: Why do we let Greedy Capitalists own our Livelihoods?
Tribune Company files for bankruptcy
By Kristina Betinis and Alexander Fangmann
15 December 2008
World Socialist Web Site
On Monday, December 8, the Tribune Company, which employs about 16,000 workers, became the first major news company to file for Chapter 11 bankruptcy protection in the current economic downturn. The filing, which threatens the jobs, wages and pensions of thousands of workers, allows the company to stop paying interest on its $12.9 billion in debt and enter into debt restructuring negotiations with its creditors. The bankruptcy filing lists the company’s assets at $7.6 billion
The Tribune Company is a media empire comprising the Chicago Tribune, the Los Angeles Times, the Baltimore Sun, the Fort Lauderdale Sun-Sentinel, the Orlando Sentinel, at least 6 other daily newspapers, a cable network, a radio station, 24 television stations, several weekly papers, Chicago Magazine, and numerous websites. It also owns the Chicago Cubs and their stadium, Wrigley Field, which are not listed as part of the bankruptcy filing.
At court hearings last Wednesday, the media conglomerate asked a bankruptcy judge for permission to cut employee severance payments and health care benefits. In 1986, the Chicago Tribune smashed a bitter strike by pressmen and other craft unions, replacing 1,000 workers with strikebreakers. Today, the entire conglomerate is mostly non-union.
Many media companies are suffering from dwindling advertising revenue, as well as the loss of readers to the Internet. In another recent sign of the downsizing and consolidation of the industry, the Detroit Free Press, owned by Gannett Co, and its partner, the Detroit News, are planning to end home delivery on all but the most lucrative days, which are Thursday, Friday and Sunday.
The most direct cause of the Tribune Company’s bankruptcy, however, is the company’s staggering level of debt. Several large media companies, including Media General and Gannett, face enormous debt payments and may soon find themselves in a similar situation.
Last year’s privatization of the Tribune Company bears the marks of leveraged debt financing characteristic of the recent climate of rampant speculation.
In December 2007, billionaire real estate mogul Samuel Zell, nicknamed the “Grave Dancer” for his history of buying distressed or undervalued businesses, completed the transaction to take the Tribune Company private. He was estimated by Forbes in 2008 to be the 68th richest American. Zell, the Tribune Company’s chairman and CEO, pursued a heavily leveraged buyout of the company which was widely characterized as extremely risky and indicative of the irresponsible investments leading up to the recent crisis. The Wall Street Journal reports that “no one thought the buyout of Tribune Co. would work—and it didn’t.”
Ruthlessness typifies Zell’s approach. Speaking on the mortgage crisis at the Milken Institute Global Conference in April, Zell was quoted as saying, “This country needs a cleansing. We need to clean out all those people who never should have bought in the first place, and not give them sympathy.”
Zell maintained he could make the Tribune Company deal profitable through a combination of asset sales and reorganization to take place under the new management team, which had little or no experience in the newspaper industry. Senior executives knew that bankruptcy would likely be filed soon, in an effort to protect investments.
While Zell invested $315m of personal equity, with substantial risk mitigated by tax breaks, debt was piled on to the company in the acquisition process. By the time of its completion, Zell’s deal had saddled the Tribune Company with $11.2 billion in debt.
Most of the risk for the Tribune Company’s enormous debt was pushed onto the newly-created Employee Stock Ownership Program, which purchased $250 million worth of newly issued stocks upon being established in 2007. These schemes, promoted by the union bureaucracy to “save” failing companies, while securing the interests of big investors, have produced nothing but disaster for workers. This was the case at United Air Lines, McLouth Steel and other companies where workers lost their pensions, wages and life savings when the so-called worker-owned companies collapsed.
The Tribune ESOP, as the majority shareholder, assumed most of the risk for the debts. Those employee shareholders are also at the end of the line of creditors in the bankruptcy proceedings. Speaking to the Chicago Tribune, Zell admitted it was likely that the employee stock owners could have their holdings wiped out. The Chicago Tribune reported that Tribune Company “will halt all severance payments, deferred compensation and other payments to former employees, who will be required to file a claim with the bankruptcy court.”
The executive director of the National Center for Employee Ownership published an analysis of the Tribune Company’s ESOP in 2007 which included the following:
The executive director of the National Center for Employee Ownership published an analysis of the Tribune Company’s ESOP in 2007 which included the following: “In the Tribune case, the ESOP will borrow money from the company. Regardless of how the plan acquires stock, company contributions to the trust are tax-deductible, within certain limits. So in this case, the company is able to use the ESOP to borrow money and repay it in pretax dollars, deducting both principal and interest. This is one of the key tax benefits that the many articles on this transaction are referencing.”
In this case, as in other cases, an ESOP was established as part of the privatization to provide tax advantages and risk protection to Zell and company, rather than provide security for employees through ownership stakes, which clearly confirms the predatory nature of the Zell acquisition.
n the first eight months after the Zell acquisition of the Tribune Company, more than 900 Chicago Tribune jobs were eliminated. Compounding the instability posed by the risky acquisition, the Tribune Company continued to see its advertising revenue fall sharply. In an effort to cut costs, the Chicago Tribune introduced a smaller, reformatted paper in September of this year, composed of fifty percent advertisements and fifty percent graphics-intensive reporting. The cost cuts were achieved by reducing news content and the staff required to produce it, which could be printed on fewer pages. By August 2008, increased layoffs, employee buyouts, and other cost-cutting measures failed to reverse the company’s decline.
http://www.wsws.org/articles/2008/dec2008/trib-d15.shtml
Jim,
Workers everywhere are taking it on the chin through no fault of their own. The capitalist is nothing but a leech on the working class. Capitalism is class warfare. The capitalist gets richer and richer as labor works harder and harder for less and less, as his benefits are slashed and his job "offshored" to cheap labor locations.
If you had read this article, Zell's recklessness lies at the foundation of ruin for the employees of Tribune Co.
"The ongoing debate over the auto bailout has demonstrated the conspiracy of the automakers, the two big business parties and the UAW against the autoworkers. All insist that workers must pay for a crisis that they did not cause, in order to restore the auto companies to profitability so they can once again be a lucrative source of income for corporate executives and big investors who are responsible for the financial catastrophe."
http://www.wsws.org/articles/2008/dec2008/auto-d12.shtml
Cowboy,
Read the posted article!
Resolved Question: Would it be a bad move to quit my job?
I'm a full-time college student and initially worked part-time, 36 hours a week. Because one employee quit and the company doesn't want to hire anyone new, I now work an average of 60+ hours a week (which yes, is still part-time) but the manager ALWAYS asks for me to cover her shift (she takes frequent short vacations) and she ALWAYS asks without a two-day to 24hour notice. I have refused a couple times in the past but given that I know her and how she is, this will continue. Two weeks ago, she left for three weeks because of surgery and I ended up working 80+ hours AND going to school Monday-Saturday. I nearly died from the stress and sleep-deprivation.
This job pays relatively well for my inexperience but the schedule kills me. It revolves around the manager's schedule. She always gets her way despite past complaints from former employees to the owners of the company. =
I understand that people are losing their jobs left and right and it's becoming more difficult to find a job - which is why I'm hestitant but then again, I feel like I'm killing myself by staying at a job I hate.
Any advice? =(
*I'm debt-free as of now and I'm only a little worried about how I'll pay for books in a year or so. I have a couple thousand saved for gas and books next semester (possibly even books for the summer and fall next year) but if I can't get a job, I'm seriously considering taking a loan that I'll pay off after I graduate. Would that be an okay idea?
Help =(
Voting Question: how to become debt free?
ways of paying my mortgage off in 10 years
Resolved Question: What was the starting bid for Obama's seat, $19.99 plus shipping and handling?
But wait are we done yet?? Nooooo for three easy payments of $19.99 you too can become the next Junior Senator under Dick Durbin, and yes we will throw in four Sham Wow's and neat dicer set for those parties at the Gov Mansion, annnnnnnnd if you call right now, we will also promise a position for your wife at a profit free organization for 150K a year to sit on the board and do nothing.
"This ad has been brought to you by the Chicago Democrat Party and future Prisoner # 21244212 aka ex Democrat Gov. Rod Blagojevich"
PS Remember to donate to the Hillary 31 million DEBT she left after losing the election to whats his name.
Resolved Question: Why do people here constantly ask about mandated labor from people on welfare but don't ask if CEOs should... ?
...be made to work for there bailouts/handouts? When they're getting trillions in handouts (more than Iraq!), shouldn't they be expected to do something in return so that the company doesn't fail, doesn't move jobs to China, doesn't buy cheap and dangerous parts, and that people don't lose their jobs? And for the banks, shouldn't they have been required to make some changes and sacrifices as well (like renegotiating mortgages with struggling home buyers, taking pay cuts, etc.)?
Are we becoming more like China where regular people have less rights, are told that they should work for free--when their struggling--for the "greater good" (and because they don't deserve "hand outs" like multinationals deserve "bailouts"), and that people will eventually have labor camps to pay off their debts (unlike corporations which get tax money for bankruptcy protection, bailout loans and giveaways, and get to leave with their multimillion dollar salaries)?
Resolved Question: Am I the only one who has grown tired of Christmas?
This year, I am really having a very tough time getting into the spirit. I am a single parent of two young kids, and I am really struggling to make ends meet. I have seen Christmas's in years past, filled with presents this, presents that from everyone around me. I have been told I need to spend more money than I have on the younger kids in my extended family, been told it is okay to spend credit on Christmas, because it is once a year. I have worked extremely hard this last year to become debt free, and even though money is coming a bit easier, I am dismayed that around me, it seems like everywhere I turn, am told it is all about the presents.
I turn to places online, and find Holiday Sales... buy this, buy that, spend spend. My kids expect me to bury them in presents, yet I cannot do it. I go to the Christmas section of Y!A, and of the 20 some odd questions listed per page, all but one is about gifts, presents.
My family tried selling me that Christmas was about the birth of Christ, yet when the time comes, Christ is no where in it. Really is about gifts, and what they want.
I really am no longer interested in the holiday. My kids want me to put the GD tree up, and I really just don't feel like it.
Am I the only one that feels like this?
Oh, and have you ever stood outside of your own views, and truly watched the Christmas commercials> Especially the jewelry ones. "Show the woman you love how much you care this holiday season, with a new terribly expensive rock on her finger this year" or the Lexus commercials, where they say a new Lexus is the "perfect" gift.
I love Christmas, I really do. I just am growing to feel now that without money, it may have lost a lot of its charm on me.
Resolved Question: Do you AGREE or DISAGREE with these statements from years past?
When we get piled upon one another in large cities, as in Europe, we shall become as corrupt as Europe .
Thomas Jefferson
The democracy will cease to exist when you take away from those who are willing to work and give to those who would not.
Thomas Jefferson
It is incumbent on every generation to pay its own debts as it goes. A principle which if acted on would save one-half the wars of the world.
Thomas Jefferson
I predict future happiness for Americans if they can prevent the government from wasting the labors of the people under the pretense of taking care of them.
Thomas Jefferson
My reading of history convinces me that most bad government results from too much government.
Thomas Jefferson
No free man shall ever be debarred the use of arms.
Thomas Jefferson
The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in government.
Thomas Jefferson
The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants.
Thomas Jefferson
To compel a man to subsidize with his taxes the propagation of ideas which he disbelieves and abhors is sinful and tyrannical.
Thomas Jefferson
Very Interesting Quote
In light of the present financial crisis, it's interesting to read what Thomas Jefferson said in 1802:
'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.
Resolved Question: AGREE OR DISAGREE with these statements from years past?
When we get piled upon one another in large cities, as in Europe, we shall become as corrupt as Europe .
Thomas Jefferson
The democracy will cease to exist when you take away from those who are willing to work and give to those who would not.
Thomas Jefferson
It is incumbent on every generation to pay its own debts as it goes. A principle which if acted on would save one-half the wars of the world.
Thomas Jefferson
I predict future happiness for Americans if they can prevent the government from wasting the labors of the people under the pretense of taking care of them.
Thomas Jefferson
My reading of history convinces me that most bad government results from too much government.
Thomas Jefferson
No free man shall ever be debarred the use of arms.
Thomas Jefferson
The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in government.
Thomas Jefferson
The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants.
Thomas Jefferson
To compel a man to subsidize with his taxes the propagation of ideas which he disbelieves and abhors is sinful and tyrannical.
Thomas Jefferson
Very Interesting Quote
In light of the present financial crisis, it's interesting to read what Thomas Jefferson said in 1802:
'I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered.
Resolved Question: Newlyweds moving in with parents?
I’ve been married for six months now; my wife and I met nearly ten years ago and have always had feelings for each other. We’ve been living together for almost two years now. We’re in our early twenties now.
We have the typical wedding debt which is maybe $5 – 6k. I didn’t find out until we were engaged, but my wife has $40,000 worth of student loan debt. We had to start paying it off this month, and things have been tight. I’m looking on the bright side of things – it will take over 10 years to pay off, but she’s locked in at a low interest rate. With rent and everything else, we are on a very tight budget. Next year our rental establishment is increasing the prices and we are looking to get out.
That’s when a long time joke became a reality – moving in with our parents.
Her parents agreed immediately, though, there are already two siblings living there, tiny house, 1 bathroom; I’m not interested at all. My parents on the other hand have a fairly large house, only one sibling is still living there, 4 bedrooms, 3 bathrooms, they go away often and have a lot of room. I still need to talk to them about it; they have always been extremely supportive and love us very much. I’m sure they would have no problem letting us move home.
We aren’t moving in without a plan. We’ve set up a very good savings plan. Living low rent or rent free for one year, allowing us to bank 75% of our current rent would allow us to save $10,000 each year. The plan is a max of two years, allowing us to save $20,000. This would allow us to move into a house and have no problem covering a down payment/closing costs.
Additionally, there are an increasing number of sellers that have been financially unable to sell their homes. Giving your apartment complex your notice, getting all ready to move and all of a sudden the people living in the home aren’t ready to move out. If you sign the paperwork and they are still living there, legally they are your tenants and you have to go through a painful legal process to remove them from the property. This has happened to a few friends of ours already. Living at home would give us the advantage and not being caught off guard by this random faux pas when it comes to buying a home.
Thoughts? My parents love my wife; they get along very well together. They’ve always been very conscientious about personal space and they go on trips a lot. I figure, it’s only a year. Maybe two. With the economy in the shitter, this is probably a solid step for a couple that has significant debt just starting out.
Thanks for the responses everyone, I appreciate the insight.
I do worry about the loss of privacy --- we have a ways to go still. Including sitting down with my parents together and discussing every last detail. I want to be able to move into a house, renting is a waste of money; our main problem is we can’t put away enough money to save a significant amount. My wife gets depressed about the money issues and I hoped moving in would alleviate some of that distress since we are working towards a solid plan to save. After a year or maybe more we could actively start to look for homes and move in.
At the same time, like most newly wed couples, we do have our fair share of arguments. She does like my parents and grew up with two siblings like I did, so we’re all used to a big household. Though, I know this is very different.
A lot to think about – thanks everyone.
I'm worried about not having enough to cover closing costs/downpayment. My credit is good, transunion reports ~790. I'm not sure what hers is.
Resolved Question: How do you become debt free? ?
My debts are medical bills and student loans.
Resolved Question: How to become a nurse practitioner post-college? help me :(?
I'm very interested in becoming a nurse practitioner, particularly in pediatrics. I came into college highly considering going into medical school, so I majored in biology and will soon graduate with a B.A. in Biology (currently a senior at a four year college).
Then as a woman highly considering having a family and wanting to have more free time...I started to think medical school might not be worth all the debt, time, and stress, yet I still love what a doctor does and want to definitely go into health care related to medicine. I am considering becoming a P.A.(Physician Assistant) too, but I like how nurse practitioners are able to open their own practice and work more independently.
So in general, what is the schooling needed to become a nurse practitioner if I will graduate with a Biology degree? How long will it take?
Thank you for your answers in advance! <3
Resolved Question: Help with a control freak?
I started dating this woman about 2 years ago. She is currently finishing a masters degree at a university on the other side of canada (to which I left my job and followed her). I love this woman very much, but am having incredible difficulty dealing with her controlling attitude. She is constantly asking me about how productive I am with my free time, and informing me she will not date someone who "does not have a degree". I am not university material, but I decided I would try it. On my accord as much as hers. I wasnt capable, and began failing in my second semester of first year, it upset me quite a bit, I dropped out, and am now having to pay back my loans.
She constantly tells me of how I need to get into college. I need to become someone, because shes going to make 65k a year and I will be "flipping burgers". (I plan to start my own small business, I am extremely confident in my skills and abilities and I know I will be successful). I feel like she is just holding me down.
She just constantly makes me feel like Im not good enough, and Im really tired of it. Im in a really crappy spot right now in my life, away from my family, 10,000$ worth of student loan debt, and she just has no empathy for it whatsoever.
I love her, and I have tried MANY times to get her to stop it, Ive explained how it makes me feel. She treats it as a joke.
Most of the time she is a very loving and kind person, but I cant help but fear her controlling bossy money driven attitude.
what should I do?
Voting Question: The Taliban/al Qaeda are winning?
Have faith if you will, in the mighty and unstoppable American military, who know no defeat and meet no adversary too powerful...
Sorry, but the terrorists are clearly winning now. If the Americans couldn't beat the terrorists when the economy was good, what do you think is going to happen when the U.S.'s economic decline, which is inevitable at this point, becomes evident in the daily life of the USA? Wars are not played for free you know. The American military is one of the world's most expensive. Instead of trying to win an unwinnable war in two countries, when the enemy exists worldwide, the Americans should, in my opinion, pull out of both Iraq and Afghanistan, and start trying to save the economy at home. Remember, even for the USA, 11 trillion dollars of government debt will eventually attack the common citizen.
All opinions are allowed in this question. Just read this article first. Don't worry, there are no viruses. If there is, you will have a fairly rich party to sue.
http://www.mnweekly.ru/comment/20081127/55358931.html
Resolved Question: My mortgage is 6.99% fixed, is it worth it for me to refinance?
My husband and I are huge Dave Ramsey fans and are trying to become debt free. I'm not sure if we should try to refinance or not.
Resolved Question: Have you figured out the American game yet - What is their economic/foreign/domestic policy ?
Is it to create hyperinflation by issuing tons of money purposely to lose the position of Petrol dollar until it becomes worthless - The recreation of the once open fragile democracy of the Wiemar republic (pre German nazi's post ww 1 )
Use that collapse as an excuse to introduce full fledged fascisim and then -- cancel the debt while introducing a new debt free currency (The Amero) and using the crises to kill all the dissenter who want to hang on to out dated religious ideals and nationalism ?
Would this allow them to stage world war 3 on the premise that the US enemies caused all this suffering while rewriting history in a very free and unchecked way ?
Expand the war into Iran keep producing Heroin in Afghanistan (for covert wars ) and hold oil as the basic balls of the middle east and China ( who holds the 2nd most US debt )
Oil the strangle hold on India Pakistan and China as well as Europe - all in one fell swoop
Only Russia stands in the way and the current economic engineered collapse of the US is going to hurt them - estimated to be in the early part of next year ( 8-16 weeks)
Well the newly collapse reformed fully fascist US isn't going to think twice about world war 3 with new age weapons that will make the nuclear age look like bows and arrows (See Panama deception and CIA covert wars)
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Or is the above just a pile of rubbish
If so what is your position on US economic foreign and domestic policy ?
Resolved Question: Fear of losing friends who are less affluent?
My partner and I have been good friends with another couple for many years. Since we have met them we have become more affluent and they have become more in debt, but we always do things that are cheap and we really enjoy that together and I never think anything different. This week one of our friends got retrenched from his job. He will get a good payout, but he knows times will be tough for the next few months. The thing is we are in a position to employ him for a few weeks to help with work on our house. We would be paying someone otherwise to do the work, but we know he can do it, it will keep him positive knowing there is an income and not thinking about his situation. It is also flexible and he can choose his hours. We have asked him if he is interested but he wants to do the work for free because he is our friend. By paying him we feel the job will be done on a more "professional" level, however if it will come between our friendship then we would rather not. How can we present it to him so that he will be paid and not feel obligated? Also, I feel bad that we are spending money on our house and have purchased some expensive items in the past year for it. I can see them looking at the items and they don't say anything, but I fear that they will think they have less in common with us, especially now. We are still the same people, but live a more comfortable life now. How can I not feel awkward?
Resolved Question: If the Government gave each individual a check for $2200.00, what would you do with the money?
All these bailouts - we all know they will be never-ending. Now we see
Cities in line asking for money; Real Estate companies want money;
everyone who is doing poorly wants the Government to "bail them out".
I HAVE A BETTER IDEA. Interference in the Free Market is never a
good idea; the reason the housing market got into trouble is simple:
The Government interferred in the housing market when the Democrats
put pressure on Banks and lending companies to give out NINJA loans
which means "no income, no job, no assets"; if you had a pulse, you
got a house, even if you had no job to pay the mortgage. When these
bills came due, there was nobody to pay them.
Instead of interference in the Markets, I propose to take the $700 Billion dollars and divide it equally among EVERY INDIVIDUAL with a
valid social security number: Thats NOT HOUSEHOLD BUT EVERY
INDIVIDUAL - Every man, woman and child. You do the Math: Thats about $2200.00 each person, since there are 306 million people in America - it would even be more than that per person, since not everyone living in America is a citizen with a Social Security number.
The immediate impact of each person getting this money would be:
1. SPEND IN TIME FOR CHRISTMAS, helping the retail markets
2. BUY A NEW CAR/TRUCK, helping the auto industries
3. PAY DOWN CREDIT CARD DEBT, with money leftover to spend
4. MONEY DOWN ON A NEW HOME, helping the housing market
5. INVEST IN STOCKS/BONDS, helping Wall Street
6. INVEST IN EXISTING OR NEW SMALL/HOME BUSINESSES.
7. BUY HOME HEATING FUEL, in time for Winter - taking the burden
off the emergency energy assistance programs already stretched
to the brink, with money left to spend!
EACH INDIVIDUAL WOULD GET A CHECK, so for a household of
4 people, they would get a total of $8000.00; a household of 5 would get 10000.00 and so on.....
THIS WOULD NEGATE ANY NEED FOR ANOTHER STIMULUS PLAN.
AND THINK ABOUT THIS: Every homeless person (citizen) would get
the money - a mother with 2 children on the streets would get $6000.
total which would LIFT HER OFF THE STREETS AND GIVE HER THE OPPORTUNITY TO BECOME A CONTRIBUTING TAXPAYING CITIZEN
AGAIN.
IF YOU RECEIVED $2200.00, MULTIPLY THAT BY THE NUMBER
OF CITIZENS LIVING IN YOUR HOUSEHOLD INCLUDING EVERY CHILD REGARDLESS OF AGE, AND THEN ANSWER THIS:
1. FOR YOU, HOW MUCH MONEY WOULD COME IN ?
2. WHAT WOULD YOU DO WITH THE MONEY?
This question is serious; instead of bailouts, I would like to get an
idea of how much better it would be for the economy to give the money
back to the American people. Please, serious answers only.
Thank you.
Resolved Question: How do I find direction and establish myself in a career?
I am 40 years old. Never been married. No kids. Never had a serious career or relationship that lasted longer than a year.
I was working as a bellhop in a hotel for last 15 years with no direction and chasing women.
Then I got serious about life.
I set goals for myself in 2000. The four goals I set age at age 32 were: 1.) get a college degree 2.) Buy property 3.) Get a career 4.) get married and have a family.
I have accomplished three goals. I finally got the college degree in potical science 3 years ago, bought property(condo and some land) two years ago. I also got the girl i want to marry. We have known each other 3 years..been dating 3 months..
The problem is: She is doubtful about our relationship and we always aruge because I havent got a solid career and I am not esstablished in life. She says I dont make enough money as a substitute teacher and limo driver to support a family. Thus, im losing my girlfriend. The economy is bad in Tanpa, Florida and I cant find a solid career here. This state is horrible for careers. Been looking for a career for 3 years now. I may have to move to Chicago to find a career and rent condo. But its been one year with no tenants. Plu sits cold up north. I dont want to move. I'm miserable.
I have tryed 6 careers with much unsuccess and no happiness. I have tryed sales, nursing, teaching, construction, social worker, and hotels. I hate sales, I hate teaching, didnt like nursing, i didnt like construction. I dont know what else to do with my life.
My girlfriend says im unstable in a career and she is right. I have no direction. I wish god would have blessed with me "math skills." I would have been an engineer, banker, or physician. I dont want to be a lawyer. I feel like my life is over. Im too old to have a family. Now im in debt with lousy condo and worthless college degree. All I have are social skills and creative skills. I dislike teaching am burned out on subbing. I tryed regular teaching and didnt like low pay and dealign with tennagers and kids.. How does one be successful in life with no direction? My dream was to become a actor. Tryed that already and there is no money in it. Im getting older i need something thats stable. I need benefits. I tryed govt jobs and no luck. Maybe I am not meant to have a family or have a wife. I guess i will be alone my whole life.
Its making me depresseda nd im giving up hope and losing sight of my 4 goals.. I should have never got a lousy mickey mouse degree in poly science.( my math skills are weak) I never should have bought a one bedroom condo. (should have bought a house).....My girlfriend asks me why she meets succesful attorneys who have families and yet all the successful guys who planned through whole way through life are taken? Then she says she meets 40 yr olds liek myself who havent planned for the future and are now left with nothing. I agree with her somewhat. But im not a loser. I could go to law school right now and dig myelf into more debt. But whats the point? Nobody gave me direction growing upa nd I got no free rides. I have been trying to find a passion and direction my whole life with no luck.
I need help. Serious answers only. Dont say "go kill myself" or something silly. I really need some assistance to make my dreams come true. I want to be married and I want a family someday. I also want my dream career making 50k plus a year. HOW DO I ATTAIN IT IF I DONT KNOW WHAT DIRECTION GO IN? Please help.
Thanks.
Resolved Question: Do you think Higher education is a waste of time?
Honestly, in my opinion the schools are the biggest scam I've ever seen. Well, maybe second biggest after doctors. As if it wasn't enough that schools taught crap completely irrelevant to work, these days kids graduate with like $20k of student debts.
I remember for my business degree I had to take Statistics, or some other crap that I forgot about two weeks after the exam. Or say I had to pick a non business course and get a credit for it. For what? It's not relevant to business, let me work on my interests for free at home.
Here's I think it should work. You become a full adult at 16. You start working in any field you want as an apprentice. Engineer, doctor, accountant, mechanic. You learn and work at the same time. The more experienced someone is, the more they get paid. Ultimately, they can take an exam or something and become a certified whatever.
Now that I think of it High school is a bunch of crap too. Yeah, history is a good course for kids to learn. But who needs, bolony like Media arts, or cosmetology, are you kidding me. Leave the chemistry, to scientists, I don't remember crap about what I learned in high school. The reason I don't remember, because I never use it, it's useless. Wasted time and life. I'd rather the 3 hours of gym instead of those useless courses. Life expectancy will shoot up and health care costs go down.
>>Oh, and how many people do you think would become engineers, scientists, doctors, etc. if they weren't exposed to these things in school?
What's the problem. Lets teach about actual occupations. We don't teach proctology in school, yet there's no shortage of proctologists out there.
Resolved Question: I can solve all of the Economic Problems, Do you think my plan will work?
The establishment of another branch of armed forces to deal with war on energy,"The Energy Force"- To be equal in power to existing branches of armed forces,Army,Navy,Air Force, Marines, Coast Guard, National Guard.
This new force will be tasked with and funded to convert our nation to a "greener" place. (once operational,designed to be self-funding)EX:
Construction of alternative energy stations nationwide (conversion of existing service stations using oil)Collection of revenues from Green Energy will be The Energy Force's Job.
All US held automobile manufacturers will be seized and converted by Energy Force to build Electric, Hydrogen fuel cell cars.
The use of Gasoline and petroleum-based fuels will be outlawed and replaced by Hydrogen fuel cell vehicles by 2010.
All troops and diplomats withdrawn from middle east and oil war areas by 2010.
All debts repaid to China and other nations by 2010
Every American Citizen as of 2010 allowed to stay in country with full health care benefits, all others must leave.
My Presidency will legalize marijuana and scientifically exploit all industrial aspects of this plant.
I will lift ban of stem cell research and enthusiastically fund any research that can better mankind's ability to heal disease.
Any adult in good standing legally can commit to any other adult as they see fit for purposes of marriage in any state or protectorate of the US.
US Energy Force will be responsible for all of the nation's energy needs, there will no longer be an open market for energy and power, as this will be the sole area of focus for new Force.
Under this authority, all Power companies (Consolidated Edison,etc...) will become the property of the Energy Force. Wind Generators will be constructed nationwide and offshore where wind abound.Solar arrays, wave farms,all viable alternative sources of Energy will be studied and used. All of this infrastructure will be run by enlistees of this new Force.
All teenage students who wish to get a vehicle when they turn 14 may join the Energy Force as early as 10 years old. All Americans who wish to own a vehicle for personal use, must do work for Energy Force to earn a vehicle and a license.
All roads and highways in this country will be outfitted for autopilot as there will be 0 tolerance for automobile accidents,deaths,injuries, etc |
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