Family, gas bill, exams, children, electric bill, your business, coursework, friends, water bill, rent, sickness, money, mortgage, break-ups, work, Arsenal losing that match . . . The list is endless.
These thoughts frequent our minds so much that we often repeat the same thoughts we’ve had on one subject and we don’t even notice. We become experts at juggling these thoughts so that the most important ones at the moment are directed to the front of our minds for days, weeks or even months of analysing, complaining, wishing it was different and trying to find a solution as soon as possible.
Unfortunately for us, when we focus on these thoughts, our mind isn’t capable of focusing on the good parts or our lives; those tiny buds of happiness that can grow big and tall in our minds if we only poured our attention on them. God, family, friends, health, birthdays, that meal you ate last night . . . One man’s problem could be another’s blessings.

Then the last line would be a Bible verse relating to happiness.

Is it pointless or stupid or meaningless?

My sister is buying an apartment building around north philadelphia. I don’t know how big it is, but it will cost 0,000 to buy. I am quite sure that she does not have that money sitting around, which means she would have to finance it somehow. I didnt want to get into specifics asking her about it. How would she buy it? Would a regular old bank give her a loan or does she need some sort of "angel investor"?

I am sprit filled beleiver. This being said, I was led to let a women from church move in with me. How can I get her to cook at least once a week. When I ask I generally get a response like this, no one like what I cook, you are a better cook, I am tired I worked all day or my personal favorite you are already cooking for your children,etc, etc.
I do not think I am asking to much
I pay for everything, )God enables me to pay for it) including cleaning supplies for her batheoom, mortgage, water, gas electricity, groceries. She could cook anythign I have already purchased, there is a deep freezer in the home.
I cook 28 out thirty days, I guess it would help if I did not dispuise cooking so much. We generally have a meat, starch and green vegetable .

i know part of it is, i am trying to be lazy. I guess I was hoping someone would agree with me..not because she does not pay anything but because it is commen courtesy

FYI, I am a women with 2 Children
She is a massage therapist and says she has a bad back. Not to mention if she does something and i do not make a big deal of it she gets mad.
She is not a bad cook, she actually does pretty well.
Ebabasto, she waits for me to get home or ask if I am picking somehting up

Mopar, I should have set some ground rules. I did not think I had to. I stayed with a women years ago and was actively involved in helping around the house and cooked every once in a while. To me it was least I could do as she was cutting a starving college student a break with rent. She NEVER said I had to, I did becuae it was the right thing to do.

I believe it was a new company, new commercial saying everyone is approved. It wasnt a car lot it was a lender… any ideas?

Bobo and Mimi Palin, a married couple, reported the following information for 2009.
Bobo Palinhusbandage 50s.s. # 222-33-1111
Mimi Palinwifeage 54s.s. # 888-55-7777
Kiwi Palindaughterage 16s.s. # 444-11-8888
Banana Palinsonage 13s.s. # 111-99-1111
Tangerine Palindaughterage 17s.s.# 333-44-5555
The couple reside at 444 Fruit Lane, Carbondale, Illinois 62901. The couple have three qualified dependants, Kiwi, Banana and Tangerine. During 2009, all 3 children lived with their parent, had no income and were full time students. Bobo was not employed full time during 2009 (he desires to be supported by his wife). During 2009, Bobo worked part-time at the local golf course. He earned ,000 in wages and ,000 in tips during 2009. Bobo had a total of 0 in federal taxes withheld from his paycheck at the golf course. Bobo also received ,000 in unemployment compensation during the winter months. Bobo earned 0 in taxable interest income from a checking account he has held for 5 years at First Southern Bank. Bobo’s aunt, Cantelope Church, gave him ,000 cash for his birthday. During a boys weekend at the local casino, Bobo won ,000 cash playing blackjack. Both Bobo and Mimi funded their I.R.A. ,000 each.

Mimi was employed full time during 2009 as a secret shopper employed by University Mall. She earned ,000 in wages from her job and also received a ,000 bonus at the end of 2009 for her exceptional work in arresting shoplifters. She received a W-2 Form from her employer which included her wages and bonus. Federal taxes withheld from her employer and reported on the W-2 form was ,000. Mimi’s grandmother died during 2009 and she received ,000 in life insurance proceeds from a policy held by her grandmother and payable to Mimi as the primary beneficiary. Mimi also had 0 in qualified student loan interest paid in 2009. The couple reported the following itemized deductions for the year: qualified mortgage interest ,567, and residential property taxes ,200.

Mimi had taxable interest income of 0 from a savings account she has held for 10 years at the Bank of Carbondale. Bobo served as a juror in 2009 at the Jackson County Courthouse and received a check for 0 for his services as a juror. Prior to her marriage to Bobo, Mimi was married to a man named Fabio Flang, s.s. # 123-45-6789. Per court order, in 2009 Mimi paid Fabio alimony payments totaling ,000. Finally, none of the children received any gifts over 0 during the year (the parents are not fun and do not recognize birthdays, Christmas, Easter, Valentines Day or Anniversaries).
I must compute for the tax liability.

And also am running into trouble making the 1040 form.

No, I’m not talking about allowing your church to do it for you…
Seriously… do you have any people living at your house who would be homeless without your help?
It’s 37 degrees outside and raining cats and dogs and there are people literally DYING for a hot meal and a warm place to sleep. I have two of them living in my home… under employed, can’t afford an apartment… would otherwise be starving to death and dying of exposure, homeless people.
And you call yourselves Christians… I’m a proud (headed straight to hell) atheist… and no I’m not rich. I’m two months behind on my mortgage.
@R.A Just because you’re greedy it’s no reason to think I don’t donate every chance I get. I gave away 3 handfulls of change in the last 3 days… but usually I just buy an extra burger and give it to the corner sign holder.

…and how come so many of you think I’m stupid? I checked these people out and and I’m charging low rent. They know I can throw them out in an instant but we have mutual respect. That doesn’t seem to be something Christians can do.

More than a year ago, we began working with a bank on a construction loan. After overcoming lots of obstacles, we are still without a loan. The big problem now is that the bank wants 20% down since it is a second home.

The idea was to build a simple garage with an apartment above it, and then build our dream home in about 15 years to go with this garage. We want to build this garage apartment so that we can be near my parents on weekends and holidays, but we won’t be able to move to be near them permanently until we can retire from work.

Some of the problems we have overcome with this loan:
1) we are both Self-employed – overcome by decent credit history
2) the garage was too small to find any comparables – overcome by making the garage bigger! Of course, this made the garage more expensive.
And a problem we haven’t overcome:
1) Since they want 20% down on a larger home than what we were planning, the bank wants more than ,000 down, which we don’t have to spend.

So now I’m looking for ways to get a loan to build the garage.
Ideas:
1) Get a loan to build an empty garage shell and finish it over the years without a loan — what kind of loan could we get?

Or any good ideas how to build this project without a loan?

Oh, and we own the land free and clear. And, we would rather not re-finance our first home if we don’t have to.

Sorry this is so long and rambling. I appreciate any ideas!

First it’s my relationship, he’s 35 and I’m 26 we’ve been together since I was 16. Now we have an 8 year old son together. In the beginning I felt happy and in love. But after my son was born I started feeling like something was missing so I broke up with him and stated dating someone else, since then my son’s dad and I have been off and on. We decided that we’d give it one last try so it’s been 3 months and I’m feeling like I want out again. He is a good man treats me and our son right and my family loves him and really wants us together, they think I’m crazy not to appreciate a good man, and I can understand that because my sister is 19 and has 2 ½ kids by a good for nothing little boy who doesn’t help her at all, and my mom has been through a divorce, but I’m just unhappy. We never have any money because he has to pay his mom’s mortgage because she’s bipolar and refuses to get help, we live in boring Orlando, FL. I have ONE friend and she is always depressed so we hardly even talk. I’ve stressed to him how badly I would like to move, I really love NY or even NJ and he’s from Connecticut so I was cool with that too altleast he would know people, but we can’t save any money because I have to pay all the bills with my checks and the 0 he just started giving me every 2 weeks (because his brother got a temporary job and started helping his mother out , so who knows how long that’s going to last) but he’s always had my back when I’m short on a bill, but it just seems like moving is on the bottom of his priority list. I want more but he seems content with how his life is, as long as we have sex he has no complaints. We argue almost every day because he thinks he knows everything and he’ll change things around to make it seem like he was right even though it’s not at all the way it happened….. I really would just rather be single but I know he’ll think I want someone else. (then he’ll start acting like an asshole like he does every time we’re not together) Plus I don’t want to keep putting my son through that. I tried to pray about it but I’m not sure if I even believe in God, I mean my family does but I don’t really buy into things that easily. They’re so many Priest, Pastors, etc. that turned out to be frauds that going to church is out of the question. I don’t know what to do anymore I think this world is a never ending cycle your born, you live, which to me is more like survive, then you die, because even if you’re are a good person Heaven isn’t promised……. So where do you end up? In hell, with all the murders and psycho paths that did wrong purposely, and didn’t care, yet they still were more fortunate to experience all the luxuries life had to offer….. It’s all so confusing to me. I don’t want to complain because I am grateful that I at least have the money to pay those bills but, is this it? I want to live the life that supposedly God gave me instead of just surviving it. Sorry so long I just wanted everyone to understand the whole reason I feel this way.

I am going to payoff my credit cards with my tax refund. I want to finance a car and get an apartment. I know with a low score I will pay alot of security deposit and high interest rate on car loans. I want to know when will my score be updated?
Should I pay the balances off or leave some money?

Here we go again, another wonderful day
My mind full of nothing but decay
Try to kill the pain, about to go insane
Walking out in the rain, with no name
Need another drink, but forgot my wallet
Trying to get by, but forever in debt
Go and rob another damn liquor store
Just trying to survive, not to be hardcore
To progress further, sell some coke or weed
Running from the cops, such an evil deed
Avoid my warrants, try not to get myself caught
Because when I get to jail, I’ll be left rot
Nothing but a juvenile, but all grown up
Steal from my mother, stuck inside a rut
Moving from town to town, every month
Hard to get by, I’ve almost had enough

Addicted to love, addicted to hate
Addicted to this, so I’ll jump state
Addicted to drugs, take another drink
I’m on the brink, eyes turning pink

Pop another pill, make the world stand still
Helps take away the pain I hate to feel
Can’t take things anymore, just another bill
Donations every week, just a third wheel
Grab the gun, and hope Jesus is with me
So one day I can quit feeling empty
Go to church, maybe the problem will leave
Maybe God can give me some time to breathe
Take the can goods, back to the mobile home
Stop at the bank try to get another mortgage loan
Hopefully someday I can put this all behind
Look toward the future in the back of my mind
Just waiting for chance to finally come along
She’s still young, got to change all that is wrong
But caught up in my addictions, drink the booze
Sitting on the porch, knowing I’m about to loose

Addicted to love, addicted to hate
Addicted to this, so I’ll jump state
Addicted to drugs, take another drink
I’m on the brink, eyes turning pink

Start out small, work up to the big time
Taken every chance I could to make mine
Risk and reward, got me work’n even harder
The tricks of the trade, got me getting smarter
Putting food on the table, in a nice house
What the American dream is truly about
She’s a young woman now and me at the top
What happened next made my whole world stop
My past friends jealous of my great success
Plugged bullets through my house and wife’s dress
Burned down my house, my daughter on the inside
Flames and ash on the ground, no one left alive
When I was on top of things, the sky had to fall
Why is my life circled around Murphy’s Law
Back in the trailer park, stealing TVs and DVDs
Back to my old ways, as I start to flee

Addicted to love, addicted to hate
Addicted to this, so I’ll jump state
Addicted to drugs, take another drink
I’m on the brink, eyes turning pink

The Midwest Arsonist

escrow for deposit on apartment
Someone wants me to wire transfer a deposit to an escrow account for an apartment. I haven’t met the person yet, so I’m wondering if this is legitimate. They did a background check through equifax and want to proceed with the wire transfer. The forms have Yahoo! Finance all over them, but I wasn’t sure that Yahoo! Finance does escrow, I though it was just an info site. This is all just a little weird to me.

I can’t believe how misinformed and easily manipulated people are. Some people still think the Dems were solely responsible for the mortgage blowout because they FORCED banks to give bad loans.

What a crock of crap–the banks freely and willingly peddled trillions in bad loans because they were making truckloads of $$$$$$$$$$$$$$.

The sub-primes for minorities were a minuscule portion. Think about it, the are MINORITIES and many of those mortgage had LOW balances because much minority real estate is valued way less than the rest of the nation.

Also, Fannie and Freddie only do RESIDENTIAL mortgages. What about all the commercial mortgages that went belly up.

Why would two people enter into a legal agreement based on little more than a feeling? Would anyone do this on a car loan? Two, If in fact marriage is a religion institution, why should the government be involved with marriage? After all what about separation of church and state?

The divorce rate is pretty high wouldn’t you say, doesn’t that illustrate the absurdity of the institution?
Godless: I would have expected better from you.
Brutally Honest: What you have stated about men living longer if they are married is a correlation, not a statement of causation.

It could be just as easy to assume that simply because there is a correlation between lifespan and being married, healthy and wealthy men are more inclined to get married.
If you’re poor and unhealthy you are much less likely to marry. (women wouldn’t want to live with a man that could be considered a potential liability.