I have no $$$ to put down. I have done this before with smaller rental properties. This property is listed for 3.8million and consists of 100 units that are all rented but my credit union wont finance something so large. Is it possible to get financing with no money down??? from whom??? any experience doing this??? at a selling price of 3.8m @ 6% interest rate the note would be about 22,782 per month… the good news is this unit brings in 105,300 per month so there is GREAT revenue and I would be able to afford the mortgage payments with no problem. PLEASE HELP!!!!
this property is in new orleans and yes this is how much it is selling for… check for yourself on remax.com!!! no bullshit!
and because there is barely any place to RENT in new orleans that didnt flood and wont flood (this property didnt) there is a waiting list so i wont have to worry about vacant apartments for a while…. especially at the rate the city is rebuilding…

My car insurance bill which is 98.00 and my cell bill which is only 74.00 is due by friday I had asked my Church who said they cant. I cant drive without insurance and my cell is my only phone. i am out of work and my unemployment has ended. I may call another church that once helped me but I am suppose to go the church in my area(i used to live over there) I am willing to volunteer there till i find a job to pay it off but the Church near me made me feel like a loser telling me to sell my car and why do i need a phone??? I am job hunting and my last interview was from a job I had sent my resume to 3 weeks prior. I cant do a payday loan since I am not working. help from anyone who has ever been in my situation would be appreciated. any scams or how to make money will be reported and Blocked. only kind serious answers . scared and depressed . thanks
I HAVE NO FAMILY AND MY CAR IS 10YRS OLD AND WHERE I LIVE THERE IS NO PUBLIC TRANS. RENT IS NOT MY ISSUE LANDLORD WORKING WITH ME ITS THE OTHER BILLS

She lies about money, having cancer, drugs, alcohol, fidelity…lots of things. I called her on a couple of things and she ‘fessed up. But, during a 55 minute cell phone call that she took while visiting me at my home (I just kept waiting, thinking she’d hang up soon, soon, soon) she told all the same lies to the old friend who called her. Her rudeness hurt, especially when she left two minutes after she hung up. She said, "Wow! 55 minutes. I need to get out of here. I only have a couple of hours to clean my house before church!" I even offered to help her clean. She waved her hand vaguely and left. She says she’s in financial ruin. Hasn’t paid the mortgage, credit cards, the jewelry store "he went to"…and the car got repo’d. But she’s been on two vacations in the last 6 weeks. She’s admitted she doesn’t plan on paying anyone…it lasts as long as it lasts. If God wants it, He can fix all of it. She’s living the high life….0K house, oxycodone, vacations, infidelity, oh, and she had cancer, too except it’s (admitted to me) a lie. So many people are struggling and trying to do the right thing. I’m not without fault but what she’s doing is just wrong. Is my silence consent? I’m losing sleep. She goes to church a few times a week using gas she paid for with a credit card she has no intention of paying. I’m not without sin…so I can’t cast a stone. But knowing the truth and staying silent doesn’t feel right, either. Help?!

1.) My first problem is that I don’t go to church. People are always asking me where I go to church at and I lie and say I got to this church called Trinity. But I’m stupid and didn’t realize there are kids that I know that go there that I told I go there also. (Like 3 people.) So I’m in a pickle…**Don’t get me wrong, I believe in God & Jesus but my parents have never taken me to church so I’ve only been like 6 times my whole life. I’m almost 15!

2.) My second problem is that my dad got laid off in January. January 3rd to be exact. I live in a town in Tennessee, and we are going to have to move in January if my dad doesn’t get the loan he wants. They refused to give it to him. If we move I’ll have to move 500 miles away from where I am now. I don’t want to. So I’ve been thinking of moving in with my sister if this does happen. It’s okay with her and everything. Do you think my parents will let me stay?

Inspired by a bumper sticker that made me say "AMEN" out loud.

God is too great for just one religion (A Pantoum)

God’s love is not for you alone
A truth so great, not one can keep.
For those who call the church their home
A flock may use, but few will reap.

A truth so great, not one can keep.
Four walls make not the spirit whole
A flock may use, but few will reap.
His message lives within the soul.

Four walls make not the spirit whole.
Our time, on loan to learn and teach .
His message lives within the soul.
the thoughts our hearts were born to reach.

Our time, on loan to learn and teach.
Not one religion is the key.
The thoughts our hearts were born to reach.
Look deep within your soul and see.

Not one religion is the key;
for those who call the church their home.
Look deep within your soul and see;
God’s love is not for you alone.
I think this one actually flows better.
Me and you both, Marguerite.
I was a little worried about posting this poem because not everyone agrees with my views on religion, however, I was happy to discover that great minds do indeed think alike Thank you all.

Office Worker Resolution
RESOLUTION
#1: 2008: I will read at least 20 good books a year. 2009: I will read at least 10 books a

year. 2010: I will read 5 books a year. 2011: I will finish The Pelican Brief 2011: I will

read some articles in the newspaper this year. 2009: I will read at least one article this

year. 2012: I will try and finish the comics section this year.
RESOLUTION
#2: 2008: I will get my weight down below 180. 2009: I will watch my calories until I get

below 190. 2010: I will follow my new diet religiously until I get below 200. 2011: I will

try to develop a realistic attitude about my weight. 2011: I will work out 5 days a week.

2012: I will work out 3 days a week. 2013: I will try to drive past a gym at least once a

week.
RESOLUTION
#3: 2008: I will not spend my money frivolously. 2009: I will pay off my bank loan promptly.

2010: I will pay off my bank loans promptly. 2011: I will begin making a strong effort to be

out of debt by 2012. 2012: I will be totally out of debt by 2013. 2013: I will try to pay

off the debt interest by 2014. 2014: I will try to be out of the country by 2006.
RESOLUTION
#4: 2008: I will try to be a better husband to Marge. 2009: I will not leave Marge. 2010: I

will try for a reconciliation with Marge. 2011: I will try to be a better husband to Wanda.
RESOLUTION
#5: 2008: I will stop looking at other women. 2009: I will not get involved with Wanda.

2010: I will not let Wanda pressure me into another marriage. 2011: I will stop looking at

other women.
RESOLUTION
#6: 2008: I will not let my boss push me around. 2009: I will not let my sadistic boss drive

me to the point of suicide. 2010: I will stick up for my rights when my boss bullies me.

2011: I will tell Dr. Hodger and the group about my boss.
RESOLUTION
#7: 2008: I will not get upset when Charlie makes jokes about my baldness. 2009: I will not

get annoyed when Charlie kids me about my toupee. 2010: I will not get angry when Charle

tells the guys I wear a girdle. 2011: I will not speak to Charlie.
RESOLUTION
#8: 2008: I will not take a drink before 5:00 p.m. 2009: I will not touch the bottle before

noon. 2010: I will not become a "problem drinker". 2011: I will not miss any AA meetings.
RESOLUTION
#9: 2008: I will see my dentist this year. 2009: I will have my cavities filled this year.

2010: I will have my root canal work done this year. 2011: I will get rid of my denture

breath this year.
RESOLUTION
#10: 2008: I will go to church every Sunday. 2009: I will go to church as often as possible.

2010: I will set aside time each day for prayer and meditation. 2011: I will try to catch

the late night sermonette on TV.

I’m suppose to be having a wedding in June. The church is already paid for, but we can get most of it back if we cancel. We are already legally married (he’s in the navy and he had new orders coming up and if I wanted to be able to go with him I had to be his wife). Anyways, we’ve been planning this for a year. My parents were going to be paying and so far we still have to pay for: a dress (I need to order it in the next week if I want to get it in time), Two tux rentals (160 each), alterations, music (the church requires live music and if you use your own you still have to pay 100 for "consultations"), food for the reception, floral (all), decorations, a cake, etc. etc….

Here’s the problem: My mom just lost her job, she is looking for a new job but the soonest she would have a paycheck is September. That means they’re going to be short at LEAST 10K in earnings even after unemployment. So them paying for anything is pretty much out. On my end I can’t find a job and don’t have a job. I can’t even afford school for a few more months. I just pulled out a loan, both of our credit cards are close to the max (enough room for emergencies). The only way we can afford to have the wedding is if we pay the minimums instead of paying off our debt faster… in this case we could afford the wedding (nothing but the minimum)..

On the other we can pay off our debt in the next two years by making above minimum payment and we could just throw a party at my house (my parents have a pool). Food could just be grilled or something simple like that and we have speakers for music.

Which direction should I go with? I’m beyond stressed at this point because this is the third attempt at wedding I’ve had, the first two were before we got legally married. I just want this to be over with. My husband is set on the church wedding whole deal but I never even cared if we got married in a church to begin with.

I’ve just signed the lease on a new apartment and after paying the broker’s fee and deposit I’m nearly broke! I’m looking to finance some furniture. I need some basic things – a bed, couch, and small dining table – at least to start with.

support check and my first mortgage payment is due. I went to the church for help, my son told the school we had no food and they sent home lunch snacks so we would make it through the weekend.
My husband and I were married in 1997 right after boot camp. For 11 years and 48 months of overseas deployments all together, I stayed faithful. I had a son with him in 99 and a daughter in 01. Right after my son was born, he began to show extreme anger and off and on before 06 he showed abusive behavior towards me, IE, strangling to the floor, slaps in the face, items thrown at me resulting in bruises. In 04, I convinced him to discharge from the military, go home and bond with his family. When we went back home and he got out, he wouldn’t work. It was 5 months and I had to work to support us by myself. He moped around the house, wouldn’t even help with the kids. One night I told him if he didn’t do something that he could leave. When I came home from work that night, I found a note on the table that said, "I have the kids, I’ll be in touch". He took the kids, all their clothes and took them to his parents house. When I contacted them, they threatened to press tresspassing on me should I show up to see them. I told my dad, my dad went to his parents house and convinced my husband to bring them back. When he put them in the car to bring them home, his dad got into a fist fight with my husband in front of my children, but he brought them back. He came home and then wanted to fix things with me and because of the on going war with his parents and myself, I told him it was them or us and he chose us. He went back into the military and was deployed to Iraq. I took care of the bills and kids completely alone until he returned. When he returned, we were stationed in Montana as him being an Army recruiter. This was 2006.

During 2006, the fights got worse. He was rarely home, always late and when he did come home and I asked him where he was, it would either result in hours worth of him yelling at me, throwing things at me in front of the kids or him disappearing for days at a time with no idea where he was and he always said it was his job keeping him gone and I just didn’t understand that nor supported him. When I went to his chain of command, they always took his side and at one time, his Sgt told me if I didn’t like this life, to get out and deal with the fact that it was my job to support my husband no matter his actions because that was just the way it works. In October of 06, I was fed up with this behavior and decided to leave if he didn’t want to work this out. The only place I had to go was Alabama to the only friend I had that I had met online. I was homebound and raising 2 children alone for so long, I had no one else. My mother is paralyzed from the neck down due to a car accident in 95 and my dad takes care of her alone. He knew where I was headed to and did nothing to stop me. He encouraged the idea of us all leaving so I did. I was in Alabama for 2 months and he rarely called the kids, always said he was too busy. After 2 months, I had enough and decided to come back to Montana on my own. When I got home, I found the sheets on my bed turned inside out and panties under my bed which he denied having an affair and since I was the one that left, I let it go.

In 2007, I found a daycare and a job working in Corrections and got my own direct deposit and benefits. During the times he was supposed to pick them up from daycare, there were countless times he didn’t and they couldn’t find him to do so and they called me to tell me they were closing soon and needed me to pick up the kids. I couldn’t because I wasn’t off work yet and he wasn’t answering his cell. The checks he wrote the daycare were hot and eventually they got tired of this and kicked my kids out of daycare due to his absence when it was time to pick them up and me having to consistantly cover the hot checks. I found a new daycare and continued my job. There was another Army Recruiter that put a guy in the army and shortly after this guy went to bootcamp, the army recruiter had an affair with the guys wife. The recruiters wife just had a baby and 2 more small children with no family so I let her come live with me so I could help her get back on her feet. During this duration, which I have found out recently, she was having sex with my husband in my home and in my bed. My son caught them and my husband threw a beer can at him.

During 2008, as I continued working, trying to keep daycare happy with his consistant disappearing acts, taking care of her kids as well, I began to get frusterated and every time I asked my husband where he was all the time, he always said that he worked 16 hour days to support us and for me to get over it. In November, 3 days after our 10th anniversary, he brought his work computer home with him and that also frusterated me and when I begged him to put it down and spend time with me, it resulted in a beer can thrown at my face and a black eye. The police were involved and I have a report. Days after that, I tried to walk away from a fight and he threw a s
The police were involved and I have a report. Days after that, I tried to walk away from a fight and he threw a steel toed boot and hit me in the head in front of my son. I also got hit in the hip with a lighter and a glass ashtray to my foot. I threw him out of the house with that one and told him if he didn’t leave, I would press charges this time. The next day, he packed his things and disappeared. I would text him, call him – no response. I had no friends or family except my co workers. He never called the daycare to talk to the kids and we didn’t see him again until Xmas and briefly. He promised to help us make the transition when I filed for divorce.
In January of this year, we hadn’t heard from him, got barely any money from him and all of a sudden he showed up at my house to "take the kids", so I called the cops and they issued a no contact order until the divorce was final. He told me I could claim both kids on the taxes so I would have the money to make the move. He got his w2′s before me and claimed my daughter behind my back, refused to give us any money for support because he said I didn’t respect him and wouldn’t contact TMO so we could have help moving. I tried, but they said I wasn’t the service member and I couldn’t do it, so I did it alone financially and physically and with my 2 kids. The divorce was final in March and I went to Child Support Enforcement and they explained to me it would be a while before I saw my first check because the military do things a month behind. In April, we made our move, and I tried contacting him to talk to his kids. He blew me off. In May, I still hadn’t seen my first child suppor
This thing won’t let me tell everything, not enough space

Im 21. He Just got back from Iraq a few months ago. He was there a year. I’m trying to get my BA, but it keeps getting delayed, because of courses being offered when they are. I won’t graduate any sooner than december now. I am trying to get myself together financially to move out asap. I’ve paid off a loan, and working on my student loans, to get a head start before graduation.

but the issues at hand:
Two in particular that are very damaging in my opinion
1) Follow G-d – I was raised in church, and we stopped going about 4-7 years ago. i mean 6 yrs ago we stopped going regularly as a family, and for about 6 months or so we went about 3-4 years ago, but i feel like i’m the only one who kept much interest. My mother would go on holidays. I stopped going after an argument with my pastor about 2 years ago. I still remained spiritual, and about 6 months after leaving church i took some classes at a faith-based university that taught some different doctrine. They pointed to the bible to support their beliefs, as did i somewhat. When I told my dad that I was going to their bible study, he said "You know I do not agree with what they teach" but he had no response for what they showed me in the Bible. This was a man who could point to the Bible for anything he did, and he could give me no scriptual reason to not practice as they did. Eventually as i studied more I noticed things that did not match up with this other doctrine either, and it was after a long test of patience that i came across a different belief that regards the bible, ALL of it, as the basis for our lifestyle. Now he won’t even talk to me about it, as he talks about how his life is not right with Gd, andhe hasn’t studied for a such a long time, that he can’t have an objective conversation about it, and ya-di-ya-di-ya. At one point he seems supportive and the other he is telling me that he doesn’t believe in how i live. and i really don’t see spirituality as being a major part of his life, if at all beyond marginal.

2) Family – I cannot even talk about 2 because it is too shameful

3) Drugs – My Dad told me when I was 14 that it would be hi greatest pride to know he raised a child who said ‘no’ to drugs. At the same time he believes that there is a natural cure for just about every disease. I’m very pro-cannabis. I smoke it and I eat it. How often is really irresevant, but after literally years of saying no to my friends, i waited til i was an adult to even consider trying it. I belive it has a medicinal purpose (ty Rick Simpson), and i have smoked it medicinally for my back, since the pain relievers my doctor gave me only made me loopy and i quickly grew a tolerance to them. My back is better, for the most part, and i do not have that reason to smoke. I sometimes do if it’s around, like at a friends house, but typically refrain, because i usually am too busy. I’ve tried talking to him about this, and he acts indiferent, is very neutral in his respanse, or just says something like "i don’t think you should put that stuff in your body." I don’t keep pot at the house (i have before when my back was messed up), but i do not want anything to get my parents in trouble. I went to a Medical Marijuana Bill legislation (i think thats what its called) this past week, and in talking about it he said that i am not to live at his house if this marijuana thing is going keep going on, because of HIS career. He does not even know how involved i am in this legal fight. I started my own legal work last fall, but had to abandon it because of finances. I haven’t had the resources TO BE involved! I’m not doing anything illegal, since like i said i don’t smoke, and it’s rare for it to even be around these days, and i most certainly have done nothing to endanger either of my parents’ employment. I’m not on any marijuana supporters lists, and i have been taking a legal route in my approach since i stopped smoking! we got in a fight over it and basically i have to find a place to live soon.
I don’t understand how this can come from a man who used to get really vocal on his belief that there is a natural cure/treatment for anything out there.

I’m sorry this was so long, but How can I give any credence to these things that i thought were so important when the person who taught me such things now lives in spite of them?
also, i started looking in the hemp debate, and marijuana issues even when i was in high school, so it’s not like he can say he didn’t see it coming.
Pearl. Do you eat pork? shrimp? catfish? G-d actually says that is unclean, so if you believe he dwells in you, and you are not kashrut then you are making Gd dwell in uncleanliness. Nice try, but cannabis is one of, if not the, healthiest plant we could consume, and there are plenty of studies to back up such a claim.

I’m 34, going on 35. Due to an illness, I was unable to work and hold a position that would pay for my rent and living expenses. I was struck with an illness when I was 26-27, and lasted me a long time. Last year, I have slowly recovered from my illness, and was able and lucky to get a job hear home. I am able to pay for my living expenses now, but temporarily because I’m a contractor. I wanted to save some money at home, and therefore I haven’t left home as soon as I got my first paycheck. Plus I had a loan to pay. I still have one more loan and a credit card account to pay.

I still have these two debts, but I want to leave home now because I can’t stand my parents’ characters anymore. My parents used to sell pirated souveniers. My mom always had loud arguments with my father. My father got into an affair that lasted years, and gave my mom a STD. My mom got mad, let all of her children know what happened (I was around 15-16 when this happened. My brother and sister even younger.) She never got divorced though. I confronted why she’s with my father. She said she was powerless to get a divorce.

We’ve been living here for the past 13 years. My father operated an illegal rooming house for illegal immigrants. I was mad and confronted my mother for letting this happen. She told me "So what are we going to live on?" My father also was against me dating a darker person at one time. He also got very mad when I had a black friend. And he also was against me going to a black church. I asked if he was racist recently, and he said he wasn’t. Bullshit.

Anyway, my parents got fined heavily for operating the illegal rooming house. They don’t have money to pay for the attorney, the repairs that need to be done, and not even the building taxes. They got a huge loan for the expenses related to the illegal rooming house. But since they don’t operate it anymore, they won’t be able to pay for the building taxes, the loan, and other expenses. My sister told them to sell the building a long time ago, and my father never did that. Instead, he took the money that my sister gave him (,000 to pay off the mortgage) which they couldn’t pay. Because my sister helped them, they were never able to realize that their income wasn’t not enough to pay off the bills.

I am realizing that my parents are not the people I should look up to anymore. I want to abandon them. But if I do, then they will be in a huge mess and will lose their buildings to the government due to lack of inability to pay for taxes.

Should I leave them (as I’m realizing my parents are horrible people) and let them lose everything or stay with them and help them financially because they let me stay at home when I was ill?

I am in the process of getting evicted. I owe my apartment complex 70.00. I have two kids and I have no idea what to do. I have no family here and my credit is not all that great. I went to my church and they have no money. I have called other churches and United Way. Does anybody know of a company that would at least loan me 00.00 with in the next 48 hours.
YOU PEOPLE ARE SO EVIL YOU DONT EVEN KNOW MY SITUATION! BEFORE YOU EVEN START TO JUDGE ME MY SITUATION IS NOT BECAUSE I DONT WORK CAUSE I DO. I HAVE A JOB PAYING 14.00/HR MY YOUNGEST DAUGHTER(WHICH IS 3) IS SEVERLY ASTHMATIC AND IN THE PAST 3 MONTHS SHE HAS HAD 7 ASTHMA ATTACKS. CONSIDERING THAT I PUT MY KIDS BEFORE ANYTHING AND ANYONE I HAD TO TAKE OFF OF WORK STAY BY MY DAUGHTERS BEDSIDE. AND AS FAR AS FAMILY I DONT KNOW MY FATHER AND MY MOTHER IS DEAD! PLEASE DONT YOU DARE JUDGE ME!!!!!!!!!!!

I am impending a divorce and have filed in May but am waiting for the property settlement to have my divorce finalized. My estranged husband and I agreed to share the cost of the home appraisal but he never has the money when the day of the appointment arrives(I give him a month notice). He commplains about having to pay spousal support and claims he is "living on crumbs" when after child/spousal support is deducted, he brings home a check of at least 0 weekly. He has always been a poor money manager. I am anxious and want this divorce final.

I wrote an email to my attorney (cheaper than a phone call) and sent it on Friday. I have not heard from him. He has my retainer fee and I rarely bother him. Upon hiring him in May, he didn’t file immediately as I thought he would. I emailed and called him and he was very rude to me and told me to take my check and find another attorney since I was in such a rush to be divorced. Being so sensitive as I am, I began to cry. Then he asked who referred him to me and when I replied that our pastor from church did, he immediately got nice. ??? He must have forgot that we belonged to the same church. He has been nice and very helpful from then up until now in the 3 meetings I have had with him. I just don’t understand why he is not answering my email? Here it is:

Hi Mr. xxxx, I hope this finds you well and that you enjoyed your Thanksgiving holiday. I know it’s been a while since we spoke and I apologize. If you’ll recall, our last meeting in September with my estranged husband Mr. xxxx and his attorney, Mr. xxxx where we discussed property settlement. Mr. xxxx and I agreed to hire an appraiser (with a shared cost) so he could re-finance, disburse my share of equity and ultimately have my name removed from the mortgage (on which I have been paying). It was agreed (privately) between Mr. xxxx and I that we would have the house appraised after the necessary house repairs were complete, which they have been for over a month. I am financially ready to pay my share while Mr. xxxx persistently claims he is not. I have a feeling he can make this a financial priority but is refusing to out of spite. He knows I am anxious to be divorced from him and it seems he is just being irksome. We have agreed (again!) to have the house appraised after the Holidays to financially convenience Mr. xxxx. My question is can I still proceed to have this divorce finalized, before the marital house is settled? If you could either reply to this email or if you feel we need to discuss this in person, please let me know and I will schedule an appointment. Thank You

I wonder if he is just ignoring me? I am kind of afriad to call him since I have seen his nasty side. Yet, he is my attorney. Any suggestions on how to handle this? Any advice pertaining to my uncooperative estranged husband and ways to speed up this divorce is appreciated.

Thank you for taking time to read this… it is so important to me.

I’m 34, going on 35. Due to an illness, I was unable to work and hold a position that would pay for my rent and living expenses. I was struck with an illness when I was 26-27, and lasted me a long time. Last year, I have slowly recovered from my illness, and was able and lucky to get a job hear home. I am able to pay for my living expenses now, but temporarily because I’m a contractor. I wanted to save some money at home, and therefore I haven’t left home as soon as I got my first paycheck. Plus I had a loan to pay. I still have one more loan and a credit card account to pay.

I still have these two debts, but I want to leave home now because I can’t stand my parents’ characters anymore. My parents used to sell pirated souveniers. My mom always had loud arguments with my father. My father got into an affair that lasted years, and gave my mom a STD. My mom got mad, let all of her children know what happened (I was around 15-16 when this happened. My brother and sister even younger.) She never got divorced though. I confronted why she’s with my father. She said she was powerless to get a divorce.

We’ve been living here for the past 13 years. My father operated an illegal rooming house for illegal immigrants. I was mad and confronted my mother for letting this happen. She told me "So what are we going to live on?" My father also was against me dating a darker person at one time. He also got very mad when I had a black friend. And he also was against me going to a black church. I asked if he was racist recently, and he said he wasn’t. Bullshit.

Anyway, my parents got fined heavily for operating the illegal rooming house. They don’t have money to pay for the attorney, the repairs that need to be done, and not even the building taxes. They got a huge loan for the expenses related to the illegal rooming house. But since they don’t operate it anymore, they won’t be able to pay for the building taxes, the loan, and other expenses. My sister told them to sell the building a long time ago, and my father never did that. Instead, he took the money that my sister gave him (,000 to pay off the mortgage) which they couldn’t pay. Because my sister helped them, they were never able to realize that their income wasn’t not enough to pay off the bills.

I am realizing that my parents are not the people I should look up to anymore. I want to abandon them. But if I do, then they will be in a huge mess and will lose their buildings to the government due to lack of inability to pay for taxes.

Should I leave them (as I’m realizing my parents are horrible people) and let them lose everything or stay with them and help them financially because they let me stay at home when I was ill?

Big banks such as Bank of America, Citi Bank, and Wells Fargo often charges high closing cost. Are there other small banks or mortgage lenders that offer low rate & low closing cost?

I saw TV commercials that some personal loan companies (such as "Cash Call") also start doing mortgage loan. Are they reliable?

Thank you

Ok i have a full time job, And currently working a temp job everyonce in awhile. im not the type who plays the lotto, or belives it’s possible to win. i currently live in amarillo & im 23 yr old AND married. She’s 20yrs old and also works a full time job. we have no kids.
Now that i described thing that our nessecary i need help,
my rent is really high, and im suffering from debt several payday loans Which i KNOW i should have never taken out. so pelase dont go on abotu the evils of Paydays loans…i have learned my lesson.
i have sold or pawned everythnig i have to make it, but we just dont have enough money to keep going like this, the church helps everyonce in awhile with food But thats all.
We dont have any friends or family who is willing to help us…where alone in this mess.

Basicly i need help I need to know is there ANYWAY to make Fast or EASY money? legal?, illegal?, Government?, or just normal help I dont care really i just need to get some extra money, to pay off the debts.

if i could just pay off the debt or at least consolidate all of it to 1 easy monthly payment it would help. Problem is im not elgable for Debt consolidation, So i dont know what to do anymore.

Finaly i have pretty bad credit AND my wife has ZERO credit….we dont have ANYONE willing to co-sign a Large bank loan to help me Consolidate it.

PLEASE anyone out there who knows how i can make easy money or how i can get a bad-Credit no co-sign Conslidation loan or even just some way to feed my family.

im young and i make mistakes, but now i learned from them and im ready to get out of my mistake and learn from all of this.
Rent is cheapest in town due to the fact my in-laws our renting us the aparment But wont let us live there for free REGARDLESS of the Sutiation.

also bankruptcy cost 0 how can i file Bankruptcy if i cant even make minmal payments on the loans!

My sister has been married for nine years and has four children. They have NEVER paid rent in their entire married life! First they lived at an apartment that was free because it was owned by their church. Then they lived with my 90-year-old grandmother, never paying for anything except for food which they never shared with her. After my grandmother was diagnosed with alzheimer and got to the point that she needed extra care they moved out not wanting to put forth any effort to helping her. My mother moved out of her house so they could move in and she took care of my grandmother until she was not physically able to anymore at which point I, living 700 miles away, left my husband and job and came and took care of her. I don’t begrudge my grandmother any of that. She and I were very close and I was very glad I was able to be with her when she passed away. I’m just saying if somebody offered me a roof over my head and my children’s heads for that matter, I would be a little more appreciative than just moving out when it became difficult to take care of her. Now my mother is stuck with my grandmother’s mortgage and trying to pay her own mortgage and they won’t even offer to help her. My mother doesn’t have a lot of money she’s 62 and is living on a VERY fixed income. My sister’s husband works full time and my sister is on disability making 1200 dollars a month just from that. My husband and I are moving back into the area and want my mother to sell both houses and move in with us. She is so worried about them she doesn’t know if she wants to. I say just sell them the house for what you owe on it and leave it at that. She is still hesitant. She is worried they won’t be able to pay it. I just can’t understand where all their money goes. They don’t have any bills except one car payment. I know it is her daughter and of course she wants to take care of her, but it is obvious my mother is drowning under all this financial strain. When my mother moves in then obviously I am in a position to say something, but what? I don’t want to sound heartless as my sister has just gone through intensive chemo for colon cancer. But she has always been like this. It’s not like they hit a rough patch and need a little help they have never paid anything. I just want to scream "YOU ARE A GROWN-ASS WOMAN AND A MOTHER. STEP UP AND ACT LIKE IT!"

Ok i have a full time job, And currently working a temp job everyonce in awhile. im not the type who plays the lotto, or belives it’s possible to win. i currently live in amarillo & im 23 yr old AND married. She’s 20yrs old and also works a full time job. we have no kids.
Now that i described thing that our nessecary i need help,
my rent is really high, and im suffering from debt several payday loans Which i KNOW i should have never taken out. so pelase dont go on abotu the evils of Paydays loans…i have learned my lesson.
i have sold or pawned everythnig i have to make it, but we just dont have enough money to keep going like this, the church helps everyonce in awhile with food But thats all.
We dont have any friends or family who is willing to help us…where alone in this mess.

Basicly i need help I need to know is there ANYWAY to make Fast or EASY money? legal?, illegal?, Government?, or just normal help I dont care really i just need to get some extra money, to pay off the debts.

if i could just pay off the debt or at least consolidate all of it to 1 easy monthly payment it would help. Problem is im not elgable for Debt consolidation, So i dont know what to do anymore.

Finaly i have pretty bad credit AND my wife has ZERO credit….we dont have ANYONE willing to co-sign a Large bank loan to help me Consolidate it.

PLEASE anyone out there who knows how i can make easy money or how i can get a bad-Credit no co-sign Conslidation loan or even just some way to feed my family.

im young and i make mistakes, but now i learned from them and im ready to get out of my mistake and learn from all of this.
we already live in a studieo apartment, and the rents high no matter where i look, we actulyl got a cheap place comapred to the rest of town.

we already cut everything hince the selling stuff now…
bankruptcy cost 0 doller how am i going to get that if i cant even make the normal payments??

After all, except as jewelry, what good is gold?

If high inflation is on the way (like around 2013) then what is a good use for money to prevent loss of value of money stashed in savings accounts?

You just never know with the U.S. stock market. But what about companies that are financially grounded in China or Germany?

Seems like – here at home in the U.S. – maybe something like an inexpensive high-efficiency car or high-efficiency appliances or home energy conservation investments might be a smart hedge against inflation.

I think inflatiion is on the way! Here is why:

#1 the Obama Administration reminds me of the Carter Administration (the interest rate for my first mortgage in 1981 was 17%), and

#2 I believe that there is going to be a second wave of foreclosures caused by a wave of commercial mortgage defaults starting around 2013, and

#3 Obama seems to be unable to effectively create jobs in the US; and without jobs, there is no great tax base, so then the Federal Gov’t must inevitable start printing more money in order to pay all those debt obligations that are accruing.

Hi All,
I am a real estate investor. I have an accepted offer on a 7-plex.

My two questions are:

1. Is it ethical to contact two mortgage brokers I know and ask both of them to work on my mortgage application at the same without telling them about the other broker? meaning apply for a mortgage with both of them? I just see such different financing conditions that I want to get a competitive mortgage and not be taken advantage of . the problem if I apply with only one of them first is if I wait till the first response, I may lose the deal as I have only 3 weeks to release the financing conditions. so is it OK to have 2 mortgage brokers from different companies work on the same deal for me at the same time? then if one of them wants a fee double than the other broker for example, then I will tell him no thanks. this type of building is a lot of work for the mortgage broker so I would feel bad saying no if he gives a positive response in the end just because another broker offers me better financing conditions. on the other hand, as mentioned I want the option to reject a broker who charges too much or arranges bad financing conditions! Also, will the brokers be able to tell/know somehow that I applied elsewhere in parallel?

2. A broker wants 00 for arranging financing for a 7-plex that costs only 350,000! he said they charge the higher of 00 and 1% of purchase price. so unfortunately in the case of 350000 i pay 6000 which is around 2% of purchase price! is this reasonable fee for a commercial property or is he charging too much?

THANKS.

There is a lot to my situation so I will try to explain it as clearly as I can to you…

I am 19 years old, living with my parents, and a college sophomore. My parents and I have had rough spells, mostly during my early teenage years as I suspect many experience with their parents, but we get along great for the most part now. I live with them although I support myself financially as far as school, gas, insurance, etc… This past school year they would not give me their information to fill out my FAFSA so that I could receive aid for school. This put a strain on our relationship for a while, but I believe that I am called to honor them no matter what (not just if they make me happy and are good to me all the time) so I put this aside and found scholarships and took out a loan, with my grandparents cosigning, to get through my first year of college.

Now, it is time to be filling out the FAFSA again and to prepare financially to attend college in August. My parents, once again, will not fill out my FAFSA. I recently found out it was because my dad has not filed his taxes because he is self-employed and it is difficult for him to get his papers together. I understand this, but it still seems to me that he could try since this is such a significant thing for me! Especially since he has known for a year this was coming. It is as if he doesn’t really care. My grandparents have recently fallen into financially dire situations of their own and are no longer eligible to cosign on a loan for me and I do not know any other relatives or friends who are able to, either.

Now, this is going to seem like a change of topics but it does fit into my story, I promise! Three months ago my boyfriend of nearly four years proposed to me with my father’s blessing. We wanted to get married sooner rather than later because we feel we are ready to take that next step in our relationship and become husband and wife. We are both Christians, we pray and read the Word together, and we are active in our church as leaders. My parents are Christians, although they do not attend church, read the Bible with the family, or fellowship with Christians in any way that is apparent to my siblings and I. When my fiance and I approached them about getting married soon, they said that they just did not have a peace about it and we did not have their blessing to get married, only to plan and prepare for it. It is really hard, but I don’t want to step out of God’s plan for my life. After all, he placed me under my parent’s authority and this is their decision.

I am conflicted because both my fiance have a peace in our own hearts about the marriage, and when we have talked to older people in our church, they are supportive, too. Come to think of it, everyone seems to be except for my parents who don’t have a "peace" about it in their gut.

To add to my sorrow over not getting married, I just learned that if I were to be married, I could fill out my FAFSA with my fiance’s information and receive the aid. He has been financially blessed and has enough savings to pay for our college with the aid, a small apartment, and he works to pay bills. We have run the numbers, and we can afford to do it which sounds too good to be true, but like I said, he has been financially blessed!

My mom has explained it to me like this… The world and evil are like the rain that falls upon us, and God is the umbrella. Under God’s umbrella is our parents’ umbrella shielding us, and if we step out from our parents’, we step out from God’s, leaving ourselves exposed to bad things and out of God’s plan for our life and His blessings. I love my parents and I don’t wish to defy them, I am just really conflicted about what to do! This is putting me in risk of not going to college this year (there are no job oppurtunities for me in my small, country hometown) and I am delaying a marriage that I long for! Any advice that you have for me would be so greatly appreciated! Thank you!

Ohio economy is in serious trouble my sister works at 2 different gas stations part time through out the week and is a student as well she said it depresses her watching people come up with just a little bit of money to put in their tanks. I work 2 P-T jobs as a bartender and one at a grocery store and me and my coworkers been talking about how things have slowed down business wise and customers are hardly buying more then a few sack fulls at a time. We all been talking about it at church every week. So many people cannot even afford a weeks worth of groceries. Some people can’t apply for help like food stamps when your income is above a certain limit. So I guess many of us are forced to choose from your mortgage payment every month or getting enough gas in your vehicles just to get to work and buy food. Even my single friends are hardly getting by working FT with rent utilities gas and the cost of how everything has gone up. I have to say everyone around me I know from church to work is somewhat scared of what next? What is everyone going to do if things stay this way or get worse as predicted. My friends who live close to me the man is in the military and his wife is very pregnant and they have another child they are hardly getting by. His rank isn’t that high but yet he makes to much to qualify for them to get help. They are late on some bills every month one paycheck alone goes on rent and their car payment. The other car they have is parked because they can’t afford any insurance on it right now. I mean seriously come on what on earth is people going to do? It isn’t just the people like I know going through this from what I see on the news and random people many of us are. A family game through my line last week and the mom was counting I could tell in her head everything she was putting on the checkout lane and then as I was running her through she said take off my hairspray and my toothpaste so I did and she turned to her kids and said go ahead get you some candy. Man my heart about sunk I was about to burst out in tears right then and there. After she left I know I had some tears in my eyes. What are we all supposed to do if gas gets even higher I am not going to be able to afford to go to work and I’m seriously scared.
America has to do something with all the stealing lying and everything going on. The rick is getting rick and the middle class has become poor. I wish I am alive when the day comes where we have a better Gov then we do now. I might not live to see it but maybe my kids well.

Im 21 yrs old and i have been abandonded by my husband, or should i get use to saying Ex- husband. This is the saddest part to the story of my life. i need your help to find peace within myself and a diffrent way of looking at things. i was married for about 2 years and a half, this September was going to be 3 years. He went to mexico about 2 years ago to complete his immigration process, he was an illegal immigrant here in the US and i married him out of love, i believe at that time he loved me too. When he went to Mexico i traveled various times to see him and be with him for like a month or two at a time and i would come home to take responsiblilites of my bills. When he needed money i sent him, not only him but his family also, cause its hard over there where they are at. Anyway, i got big loans everywhere to pay for traveling expenses and the lawyer to fix the papers and to pay people over at the Consulant. i got loans every where, from my father like 5,000 and the bank 2,500 and credit cards 2 at 300. well i owed nieghbors, ive been working with my father leveling houses, i work like a guy, i come home tierd and alone. i pay all my bills and at one time i couldnt and was stressing out and lost alot of hair, i would cry to him over the phone all the time. It was hard! it still is. Anyway its been about 8 months since ive seen him and i havent talked to him since hes left his moms house to work in Monterrey, its been 4 months since ive heard from him. his mom knows hes okay cause his uncle works with him, he did commet however he was going to cross over again but as an elligal immigrant and go to New York, but i dont live there so what the heck? His papers have been approved and im just waiting for them to get here, so basically all the loans, and everything we spent and suffered was for nothing. He threw me to a side without giving me a clue y? i was faithful to him, did everything he wanted, i never had much money cause of everything i had to pay, but he had loans in Mexico and i payed them off for him, cause it was supposed to be for us both. I dont understand i got him out of debt to keep myself in debt, i could have used that money for the bills here. i sent him 600 for the loan and 300 cause of the car he missed up, and 50 ever once in a while. right now im hurting for money and so very hurt. i thought marriage was forever and i guess not im 21 and already divorced. i dont understand, im not ugly, im a hard worker, im going to college to better my future, im family oriented, respectful, loyal what more could i have possible done?? when i first realized he didnt care for me i drank so much my parents got scared cause i was always throwing up and sleeping outside like a homeless outside my house with the radio playing the saddest songs. i was loosing everything, i stopped going to church, cause i would ask god sooo much and he never helped me. I just got lost. i havent really met anybody serious but i havent been faithfull anymore and i feel bad but at the same time, i got needs, im not so much sad, more angry, but im hurt still deep inside. i got rid of his close berly like last week, i still have photos i run into that got mixed in with papers i look for, and i get all twisted inside. although he did this to me i think i still love him in some dumb way. the other day my father got a phone call from my mom and he said your mom wants to talk to you and before my mom finished talking to my dad she said " no, u tell her" i asked what and she said "he" wrote to you, it wasnt from him though cause later i found out it was from a company but what im getting at is that when i thought he did write i almost fell into shock, i got all tear eyed and felt sick, what if one day he does come home or if he writes or calls, i dont know how i would react. the other day i called him to "see" if he would answer but again just like all the other times he didnt, but one time he did, he didnt say nothing, i sayd "hello" and he hung up. i havent talked to his family cause i dont really know what to say, i feel emberassed and humiliated, to his family and mine. to myself i look like a failer cause i let college time pass, and i got so in debt, i dont ever get anything for myself and i always have collection on me. he left me so messed up and i dont ever want to be with him again, but the damn feelings are there, y wont they leave. will i ever find someone like him, he was a hard worker, and did everthing for me, when he was here that is, i guess he found some one else, i will to i guess. when his papers get in the mail like his visa so he could be legal here, im just going to look at the papers cause appariantly he didnt care too much about them papers or me. all the heartache, my seperation, my happiness, my struggles, everything, where for those papers, and pretty soon they will be in my hands and put to no use, damn immigration process they destroyed my marriage my happiness, they distroyed who i was.

Hi I Met with an Accident in Nashville.My car was totalled i was not carrying collision coverage i have only liability. The Truck Came and Hit my Car at a intersection.At the Intersection one side there is blinking yellow and other side its blinking red.i was going on church street which has blinking yellow 3 more passengers where sitting in my car and all of them know that i was going on church street but the other driver was also telling he is coming on church street and i ran the red light (that i was not coming on church street) the Police came to the spot and they gave police report as Case of Confusion and they cant determine whoz fault it is. Both Insurance parties took the statements and pictures of our cars .My Insurance Company is GEICO they are telling i am not having collision coverage so only other insurance liability should cover me.But the Other Insurance company is Still investigating when ever i call them the adjuster tell that her supervisor is still investigating. Its already 22 days till day. i have lot of amount of car loan on my car. Please any one suggest me what should i do ? ..after the accident my car spin once and the point of rest of my car was facing towards church street from where i came.my car passenger side was crashed and back side of passenger side was crashed. The other car driver side was crashed and back side of drivers side was crashed and his cars point of rest was church street facing the wrong way traffic. Please any one help if you get any idea on this it already been 22 days that it happened.

Thanks in Advance ..

A while back, there was a plan to build a food bank to help those who are hungry. Apparently, after the neighbors found out about it, they protest and complained and did everything they could until it was shut down. In a another area, the city owned some land where they were planning to build a homeless shelter. Well, that got shot down too. Something about property values.

A several years back, I lost some luck and some gracious family at church offered their home to me. I was touched. However, these people are rare – even at a church!!

It seems like when people say "I’m an extremely charitable person", it means they give /mo and bury their heads in the ground saying that will solve all the problems and "DON’T ASK ME TO DO ANYTHING ELSE" oh yes they also yell out loud, I’M A CHARITABLE PERSON. I’m not even sure how throwing money at something will solve anything.

Why are people so uncharitable? Why don’t people invite other people to their homes anymore? Most importantly, if something bad happens to them, who will help them? If all the homeless shelters are now in the middle of nowhere – isn’t that creating a problem if they get laid off and can’t pay the mortgage and are forced to be homeless themselves? It’s even worst when they have to leave everything they know for some abandoned area since that’s the only place a food bank can be built. Even for something as selfish as that, why do people not want places like food banks or shelters built in places they know?
It seems like for most people (especially the noisy ones):

Charity = Throw Money At The Problem
Actually, that’s the problem. You can’t give people stuff/housing/time/etc hoping that it will solve the problem.

In order to get someone out of the hole, you need to have them actively teach and train them to become self independent or you need to see if they are going to be independent on their own. You need lots of people – mentors, staff, successful people to show them the way out, etc – in short sacrifice of time, effort, and energy. If they don’t want to do any of this, then you stop giving them resources (food, shelter, etc) until they are ready and willing and have enough responsibility to accept them.

The last thing someone should do is just throw resources (money, housing, etc) at them hoping things will get better because they wouldn’t have a clue emotionally how to handle it. Unfortunately, this method is also the most popular – especially with the big charities that everyone donates their money too.

1. Ask you to cosign a used car loan.
2. Hold your hand while you puke.
3. Share their socks.
4. Be kind to you in their tell-all expose’
5. Curse in front of your mother.
6. Drive you home without judging you.
7. Drive you home while judging you.
8. Discreetly return intimate apparel.
9. Pretend to like a sport you like.
10. Fidget in church.

Hi All,
I am a real estate investor. I have an accepted offer on a 7-plex.

My two questions are:

1. Is it ethical to contact two mortgage brokers I know and ask both of them to work on my mortgage application at the same without telling them about the other broker? meaning apply for a mortgage with both of them? I just see such different financing conditions that I want to get a competitive mortgage and not be taken advantage of . the problem if I apply with only one of them first is if I wait till the first response, I may lose the deal as I have only 3 weeks to release the financing conditions. so is it OK to have 2 mortgage brokers from different companies work on the same deal for me at the same time? then if one of them wants a fee double than the other broker for example, then I will tell him no thanks. this type of building is a lot of work for the mortgage broker so I would feel bad saying no if he gives a positive response in the end just because another broker offers me better financing conditions. on the other hand, as mentioned I want the option to reject a broker who charges too much or arranges bad financing conditions! Also, will the brokers be able to tell/know somehow that I applied elsewhere in parallel?

2. A broker wants 00 for arranging financing for a 7-plex that costs only 350,000! he said they charge the higher of 00 and 1% of purchase price. so unfortunately in the case of 350000 i pay 6000 which is around 2% of purchase price! is this reasonable fee for a commercial property or is he charging too much?

THANKS.

We took out a mortgage 7 years ago on our commercial building in order to run a retail store. A few years later, we established an LLC for the business.

Then, when we closed our store, we kept the LLC business name and turned it into a Investment business. i.e. it now was a business just for the investment of having a building.

Our balloon just came due. They put the Debt Modification Agreement in our names. I explained that we wanted it in the LLC name. The loan officer said that would mean a whole new refinance as far as using the LLC, and we’d have to pay more for an appraisal instead of the evaluation of worth that was used.

He then said it would be easier to just to a QuitClaim Deed and point the mortgage to the LLC.

I’m suspicious of this. Can it work and would it really protect OUR assets IF something went wrong in the future…the way an LLC would??

The deal in our family has always been that when you get married you pay for it yourself. We set up a college fund for our daughter and since she got scholarships, she was able to have ,000 left over. We turned this over to her last year when she graduated. She is an elementary teacher and her fiance is the youth director for our church. Neither will ever make a lot of money, but they enjoy their jobs. He owes student loans and a car loan. My daughter is driving a 12 year old car and needs a new one. Her fiance has a large family and LOTS of friends whose weddings he has been in recently, so he is the one who wants the big wedding and to invite everyone in our church. My personal opinion is that large weddings and funerals are both a waste of money that could be better spent on necessary items like a car or paying off loans. Thus, I offered ,000 to my daughter to go ahead and marry this fine young man now without all the hoopla and planning of a spring wedding, plus they would get the tax break of married filing for 2010. I made it clear to my daughter that this offer is strictly from me and was not run by her father or involves him in any way. My husband is appalled that I would even suggest such a thing and calls it highly insulting to our daughter. I thought it was practical and financially responsible. Your thoughts please.
I’m seeing that I need to butt out of my daughter’s life, which is good. I guess I was reacting to my own feelings of having spent too much on my own wedding just to please my husband and his mother, rather than the wedding I wanted. I think I was trying to give my daughter more of a bargaining reason with her fiance to scale down.

Here is the quick story, both of us are 21 married for 3 years dated for 1 year prior to that. Always very close, worked together, went to school together, everything. She has always had low self esteem issues and our fights had gotten physical these last few months. She took a trip with her bf to Las Vegas and cheated on me with a Swiss guy. After she came back she wanted space and told me she loved me and all of this. She took 3 more trips to Vegas and went all the way with the guy and was very open about it. The fourth time the guy bought her a plane ticket to San Diego and she spent the weekend with him. She is not regretful at all of what she has done and only broke down one time saying i didnt deserve that and she was sorry. It has been one month and since then we have met 3 times and got intimate. Its so hard missing her it is the worse. She is into party mode with her friends and I just dont know if my marriage its worth fighting for. To me she is very confused and I told her to cut all communication with me. To make matters worse we bought our home 5 months ago and I told her she still has the mortgage responsibility. Should I have given her the ultimatum to stop talking to eachother? I told her we cant be friends and I wont be her enemy. I feel like I am holding on after all of this. Church and guidance from friends from church has really helped me but it is biased and I need the strength to let go or see what happens. Should I be friends with her from far? We share some online college classes and I want to borrow her book since I never got mine. This is destroying me so much I never thought I was so weak. This might be absurd but do i ignore her and cut all communication with her? I feel that if i do this she will forget about me. Please if you have any advice i will gladly take it