My father is a good man. He earns a salary, religiously attends church, and helps out with friends and family. He has a couple hobbies that besides bringing in change is pure decent enjoyment. One particular hobby is purchasing vehicles, fixing them up, and re-selling them. This is where my problem with him resides.

He and my mother have been friends with one lady for a long period. My parents have a stable financial life, but she doesn’t. She recently bought a car from my parents, and since she could not afford ba loan because of bad credit, they took out a 00 loan in their name for her. She made a promisorry note, stating that she would make all the monthly payments on time. She has made every payment on time, and she has never missed one. But my argument is not with her, but instead with her son.

She’s of old age probably 60′s and she has one son who has a colorful record. He’s in his late 30′s and he has gone through living off of her to trying to have her arrested, and then being arrested, for domestic disturbance and for drug possesion. Currently he is on good terms with his mom right now, so she’s allowing him to stay with her. She allows him back in because according to her "this guy is her son and she is his mother so she can’t turn her back on him".

But here is where the problem is. A couple years back this friend sold her house to my parents, who renovated the inside and outside with their own money and thier hands (they did 76%) of the work. The women came to my parents house when they were almost done with the rennovations and asked if her son and his girlfirend could stay in their for a few days. She had bought a trailer and did not have enough space for them both. My instincts told me this was not a good thing, and I argued against it. I did not like what this friend had asked from my parents. If she thought she was doing a motherly thing by seeking a place for her son, it should have been in the comfort of her home, not the home my parents bought. Since my parents thought it was only going to be a few days, they did not make out a lease, but abided under an oral agreement. After a few days had passed my parents asked them to leave. However the son and his girlfriend refused to leave and said that they were going to stay there for a few months. According to them this house belonged to the son, because it was originally his mothers. But his mother SOLD it to my parents along with an ongoing family dispute. My parents had to take them to court to make them leave, and what hurts me the most was not the situation itself but the comments that this friends son and his girlfriend hurled at my parents in court, This sickening couple said that my parents had promised this and done that and then the girlfriend even said my father tried to make advances on her. My father and mother were always together when they were at that house. They were never apart, I know my father I am with him 95% of the time, he is a good man. My parents’ friend, the guys mother did side with my parents at the court case and offered herself as a witness to help my parents with case..

Now currently I am seeing deja vu. My father who has finished work on a vehicle wants to sell it. He was looking for a buyer, and with upcoming land taxes he wanted to find a quick buyer. Thier friend came over a few days later and said wanted to know if my dad had a vehicle that her son can buy. After the last mishap, I would think my father would be against any sale or legal dealing with the friends son. I wanted to know the friends son’s additional court history, and it was an frightening sight. I Checking the court files I found out her son has already tried to sue two companies this year.

To me the idea of my Dad selling this vehicle to this friends son is way past ridiculous. He still wants to sell the car to this guy after I told him about his past: the same guy who took advantage of him, lied about him, tries to make a living off of lawsuits, and he wants to sell the car to him?

I a future law student (fall) and I know that this friends son could sue us for so many things about the car. I drove this week and had it inspected, the mechanic said it was in good shape and is running smoothly. So I know the car is a good deal, but you could do something to the vehicle and claim the owner had sold it to him in that state. And based on the courtfiles, he has made past statements. I am trying to talk my Dad out of this, and he mentioned that he would get the buyer to sign a best as warranty or something along the lines of that. What that means is that if something is wrong with the car in the future, the seller is not at fault. But I can;t believe that would work too well in a legal situation. Because you can always say that the seller was not honest about the sale, claiming the "Buyer Beware clause".

I know that I am going to get into a big argument with my Dad. He is in Canada for a few days and will be back on Frida
My Dad will be back in on Friday, so I have three days to find a buyer for the car. Am I wrong to object, to refuse the sale.

Hello- I am a single mom with 4 daughters (my oldest is my foster daughter who is 16, and I have a 16, 14, and 8 year old as well). I was laid off from my job as a Sr. Loan Processor and have been looking non-stop for work. I do get 500 child support and 500 foster support, but my rent is 1650.00 and my bills are stacking up! I have been going to school full time at ashford university (online) and am trying to get a BA in business managmnet to ensure a better job in the future. I am so stressed trying to come up with money to pay my rent and for gas to drive the kids to school and food for these girls, that I have no idea how I will be able to get the kids anything they need, much less Christmas presents! I am not able to get unemployment because i was 1099′d and can not get cash aid or food stamps because my support is so high. Luckily, I had some savings that was able to help with my rent and now it is all gone. I have negative 19.00 in my bank account and less than a dollar to my name. I have used everything (mostly on my gas and food). I have asked my church for help with Christmas, but I am not sure what they will do. I have been selling misc items on craigslist and don’t have much more to sell! I will be getting my support on the first and will sell anything I can to come up with the rest of my rent, if possible. I have an interview set up for next week for a processing job, and a couple interviews making min wage. I am really praying for the processing job because that would pay my bills – but anything would be better than nothing. I know that when I get a job it will take me several paychecks to catch up on my utilities (that are all behind), my car payments (that are 2 months behind), my car insurance (that has now lapsed), etc, and I know there is no way I will have any money to buy presents for the girls! I am in Southern Orange County and willing to babysit, clean, run erronds, shop, organize, wrap presents, or do any type of office work for money or presents for my girls. If you know of a job I can do for you or someone, or know of a good possition in a company please let me know. I have been doing home loans and processing them for 7 years. I am also a notary public. My girls really need and want for Christmas- shampoos, razors, socks, shoes, clothes, make-up, and Jackets. Also, if anyone has any ideas of a program that can help me please let me know. I would also like to ask for prayers for me and my girls. Thank you!

My finance and I got engaged last weekend after being together for six years. I am going into my second year of teaching and have a decent savings. He is finishing his last year of college and has little to no savings. We are not anticipating financial help from either of our families., so basically the wedding spending is on us. Or rather, me. We’ve discussed several options, but in the long and short of it, my fiance said he is going to leave the decision making to me because the money we’d be using is in my possession. We originally planned on a 1.5-2 year engagement, but have been discussing Fall 2010. His grandfather has leukemia and has requested we marry before he dies. (Sigh.) So that is another aspect we are trying to factor in. I am frustrated that we are in this position where I will be paying for our wedding. I am not sure how I will feel about it in the future, and I don’t want to feel resentful, esp. starting off our marriage. We have agreed that if I do end up paying for the wedding, that we will BOTH be contributing to replace the money we used once he is employed after graduating. Here are some ideas we have thought of:

-proceeding with Fall 2010, using a combination of my funds and perhaps taking out a loan (which I think is not such a good idea…why take out the loan when you don’t need to?)

-proceeding and having a simpler wedding
(We just found out today that even getting a church is going to cost around 1,000, which I am blows me away!)

-waiting the extra year so that my fiance can also contribute more

I’m not sure if there are other options, and I’m not sure what kind of consequences each choice will have. Any ideas or enlightenment on the situation would be greatly appreciated. Thank you!

My fiance and I have been engaged for a year and a half now and we’ve just started to seriously discuss the planning aspects of our wedding. We wanted to enjoy the engagement phase for awhile before really tackling this issue as well as have some time to start saving for our life together. Neither of us really wants to do a big, fairytale wedding – we’re both very casual people who don’t feel very comfortable in formal settings. It’s not that money is an issue or anything; we aren’t rich by far but we have great credit if we wanted to take out a loan, and my father has been offering to pay for it anyway. I just can’t seem to get the motivation to do a "big church wedding" with a fancy reception – it seems like so much work and so much waste just for one simple day.

I feel like just having a small ceremony with everyone I love around me, hell maybe just in a backyard somewhere in jeans and t-shirts, would be completely preferable to a day of exhaustion and anxiety all the while squeezed into an uncomfortable white dress that’s most likely only going to make me look fatter, lol. My entire family is already aware that I’m not very "religious" in the sense that I strongly dislike the religion I was raised to follow. They’re also aware my fiance isn’t very religious either. I kind of feel like if I’m not going to do the church thing, why should I have to spend the day dressed up and miserable? I’m that girl who never liked to even wear skirts. I was raised with a little brother, lots of guy cousins, and a lot of time bonding with dad doing tomboy things.

Will my family support my decision? I have every intention of including everyone who wants to come, I just don’t want to go the traditional road. I can’t see spending so much of anyone’s money, even if it’s not mine, on something I don’t even really want a part of for myself. Do you have any suggestions for how to make them feel more included in a less formal setting? All of the other married young people in my family had huge weddings in beautiful settings. I’m already the black sheep but I don’t want to completely alienate myself.

I am able to take public transportation to and from work/school. But on the weekends and at certain times, public transportation can be very unreliable. I am a senior in college and looking for a new job but a lot of the jobs I find are not accessible by public transportation. My mother does not drive and I think she is afraid to. She managed to get her driver’s license somehow but I don’t trust her behind the wheel at all. (And she probably doesn’t trust her self either). She does not mind taking the bus everywhere. On the weekends, she stays home the entire time besides getting a ride to church. I think we really need a car at least for the weekends, grocery shopping, etc. I don’t have the cash but I have 0% APR with my credit card until next year. I am hesitant to use that because I already have credit card debt that I am trying to get rid off in addition to the student loans I’ll have to pay soon. I know my mother has at least some money or at least the means to get financing. She helped another relative with bad credit get a car. I’ve asked her to help me buy a car for the both of us but she either ignores me or gets upset about how she won’t buy me a casket. (The car would be the casket.) I am thinking of buying a car on my own but I’m not sure if it’s worth it. I don’t really know how to choose a decent car. Parking can be expensive at school. But I feel like a car would be very useful. I’m 22 and I have a feeling another reason my mom doesn’t want me to have a car is because she thinks I would have too much freedom to just go out when I want to.

help
anyone know a name of a nice and good lawyer in ashland kentucky… who can uncover the funds my husband is hiding …anyone know a name of a nice and good lawyer… he is trying to cheat us out of child support and marital assets by lying ..he is evil!!!! lol
he owns 100 percent of a corporation but claims he gets nothing.. even though i found online that the business does 3-5 MILLION a year in sales…
my bathroom is duct taped i have two pair of pants my daughters shoes are shot.. ceiling fans broken house is horrible..leaking .. he has a shop with three nice bathrooms in it alone. he is using for a tax write off..he lives there. forget everything else he has and is hiding…he goes to california a lot. and does who knows what.. his shop is there
he made me sign a loan for a half million dollars ..took all the money every thing.. and never let me see it and spent it ..i never saw where it went ..he is an evil alcoholic man.. who is very believable when he tries to act sweet and nice.. the other day on way to church he stopped by and called me a fu@@Bch and a fu Wh5** in front of my daughter… then went to catholic church and acted nice..
he has never lived with us and rarely even sees our daughter ,7 who he claims he loves but really doesn’t..cause never has even took her one place alone or even babysat her so i could go somewhere ever..he says i don’t need to go anywhere or do anything..he even refuses to have relations because that is against god so we never do that….. i should just sit home and pray because all that matters is getting into heaven then he goes where ever he wants i usually see him for a few min once or twice a week.. just stops by for a few min.. that’s all.. screams and yells and throws things..i think he has wet brain from all the alcohol…HELP i am afraid of this man

I believe I am a typical 33 year old, married male, who earns a decent living and manages/invests my money well, i think, but I am not 100% sure.  Most articles and research I see highlights either the super rich or people who have tanked.

I make between 150k and 185k p/year depending on bonuses.  My pay has risen sharply over the past 5 years with some promotions and I’ve increased my investments along the way.  Here is a high level breakdown of my financial situation:

Debt:

22k school loans (combined wife and mine into single low interest loan)

Home – owe 350k on a home worth about 420k.  I pay an additional mortgage payment per year automatically by spreading that payment out into 12 monthly payments.

Auto – owe about 2500 on a 2004 Durango.  I pay 0 per month so I am almost done with that.  I plan to continue to dump 0 per month into an account after this car is paid off.  The hope is to drive this car for 3-4 more years and use the money from that fund to buy a new, more energy efficient car, using cash.

No other debt

Account balances:

20k emergency fund in Ally Bank savings account.  I place 0 dollars per month automatically in this account each month.

10k in liquid savings account.  I put left over money manually into this account monthly.  I try to keep this at 10k at all times.

100k in 401k all invested in Fidelity 2040 target fund.  I now max 401k each year.  My company doesn’t do a match.  They dump profit sharing into the 401k yearly regardless of if I invest into the account or not.

11k in Traditional IRA all invested in Fidelity 2040 target fund.  I now max this out at 5k each year with monthly automatic payments.

1k in newly opened Traditional IRA I opened for my wife.  I plan to max this out now yearly at 5k and this is also invested in Fidelity 2040 target fund.

5k in 529 college fund invested in growth strategy fund in Illinois Bright Start fund.  I automatically invest 0 per month into this account.

Donations:

I donate about 3k to church tithes yearly (I should do better here)

Other than that, that is my financial situation.  I spend just about everything else per month on entertainment, food, bills, etc. for my wife, myself, and two year old daughter.  We plan on one more child and other than adding an additional 0 to another 529, my current financial plan would stay the same.

Other than maybe some better budgeting to leave some money for some short term investing, is there anything else I should be doing?  Anything I am doing I shouldn’t be doing?  I know Target fund approach seems lazy but I work and travel a lot and just don’t have the time to micromanage my portfolio.

From goals perspective, I want a few simple things.

1. Retire early if possible
2. Pay for some or all of kids college
3. Pay for daughters wedding

Again, most investment advice doesn’t seem to be geared towards someone like me so any advice is appreciated.  I just don’t want to "think" I am doing ok if I could be doing something better.
Thanks for the candid feedback Steven. I don’t disagree with anything you said. I can definitely do more with my income. I think I should hit up a financial advisor to dig even deeper and get me on the path you outlined below.

My partner bought his first house in January and we havent had any trouble making the repayments on his wages alone. I recently graduated with my BHSc but even so my nett income is only around 2500p/month at the moment. I’m thinking about buying a small (tiny!) office in a trendy area for 92K and to start consulting from there 2 days per week and keep my current part time jobs as well. I’ve never had any credit besides my HEX and don’t have a deposit. Is it even possible for me to get a loan? What do you think? I have a feeling that the room might be difficult to rent so if the consulting doesn’t work out I’d have to sell or hold as an investment. I’m in Australia so I’d love to hear replies from people who have a good knowledge of the commercial real estate situation here. Would I qualify for any first home buyer or stamp duty benefits? What would the total loan amount need to be to cover all the fees, charges, taxes etc? I would also need 5-7K for equipment. Is it a mortgage , a business loan or what? It may be relevant that my name is not on the mortgage for our house and I have no debt whatsoever, but no deposit – what are my options? Thanks.
I completely understand what you’re saying. In my consideration of that situation (my partner being unable to work), I have placed a lot of emphasis on the potential capital growth of the properties. I think I need to do far more local research of this topic. I just personally know several people who rent out office spaces and they end up losing most of their profit to it. And when they move they lose a huge chunk of client base. If I were to buy a cheaper space that I can currently afford to pay off using my wages from my permanent and overhead free jobs; at least I have a chance of recouping my money through sales of the properties and/or income from the business. Whereas if I rent it is lost forever. But I also concede that I need some more experience before I dive off by myself. It’s frustrating.

Looking over barack obama’s tax returns I noticed that he had made donations to a non-profit organization in the years of 2004-2006. I can’t figure out what organization it is that he is donating too. Is NAMBLA a church of some kind? A homeless shelter or environmental group? The reason we were studying is because he has no deductions for his college student loan. Michelle had her college paid for because of he skin color and obviously not because of her grades. Also there is a man, name escapes me, who claims to have paid for obama’s college. I guess both obama’s misspoke when they tried to claim that they had "just finished paying off our student loans" but I don’t really care about that. So who or what is NAMBLA and why is barack donating money to them?

I realize its obamas money and he can donate to anyone, or any group that he wants, I am just curious. Any help would be appreciated as I am trying to help my business partners daughter with picking a topic for a college English class’ essay.

growing up my mother was very verbally abusive,and sometimes physically.she was rude,greedy,disrespectful and just horrible.as i got older and was able to work i had to give her every cent i made to "pay bills"but somehow we were always short on bills even though i would give her everything.she constantly asked people for money,my friends parents,my friends!,people from church,you name it!.and never pay them back for years.when i met my hubby she insisted in meeting his family and of course to my embarassment she asked his grandma for 0!and paid her back.then she asked him for a loan of 00!behind my back,and when i found out i was furious!she gave him this bs about how we were tight with money and she couldnt take it anymore and being the nice guy he is took out a loan and we moved to CA.(where he is now stationed)he has never gotten a payment from her,just attitude,rude remarks and claims she never asked for money..one day he was going to bring me lunch to work and.(conti)
didnt have his cc.so went home(we 3 lived together because we had just moved there) to find her packin everything!with not telling us,not paying her part of the rent that we had to pay and were late because of her so had to pay more charges.packed up and left we had to sleep on the floor for a week till we got a bed.i confronted her the week after and told her how horrible she was for doing what she did and i was not going to give her anymore 2nd chances.and now she calls me once a week to say"i just wanted to see how your doing"and if i dont answer she calls 5times in a row.and always calls when hes at work.i dont want to talk to her,after all the years of hurt and what she did ive had enough.im not bitter or mad i just want to move on.but how do i do so if shes constantly calling me and telling my famliy lies.?
didnt have his cc.so went home(we 3 lived together because we had just moved there) to find her packin everything!with not telling us,not paying her part of the rent that we had to pay and were late because of her so had to pay more charges.packed up and left we had to sleep on the floor for a week till we got a bed.i confronted her the week after and told her how horrible she was for doing what she did and i was not going to give her anymore 2nd chances.and now she calls me once a week to say"i just wanted to see how your doing"and if i dont answer she calls 5times in a row.and always calls when hes at work.i dont want to talk to her,after all the years of hurt and what she did ive had enough.im not bitter or mad i just want to move on.but how do i do so if shes constantly calling me and telling my famliy lies.?

I recently posted about a loan. I got two decent people who responded. Out of 26 responses, only two who actually tried to help me. I thank you for that. I know that times are hard, man do I know. I asked for help with a .000.00 loan. I got so many schemers contacting me about a loan, and of course advanced fee’s it is disgusting. After seeing all of these people who could care less, I guess there isn’t anything else left for me. I have helped so many people in my life, financially, spiritually, and mentally I can’t begin to name them all. My heart has always been pure. After my first post, I had to send my dog to heaven. So very hard to do, and stayed with her until the end. My life has no meaning any more. My world has been destroyed. I have always taken care of everyone else, family, friends and strangers alike. That is what we all should do. It is obvious I can’t get money, can’t find peace, nor is there hope for my diseases. Sick and tired of being sick and tired. Sick of the medical profession leeching off of the ill. Sick of watching people prey on people. It’s sad that money is the core of society. So very sad. I know the ones I love will be hurt the most, but the rest of the world will never know I’m gone. Isn’t that sad. At least I know I did make an impact on the lives of those around me. I helped a teenage girl get sober. I was there to help the church when they needed me, I saved a person from drowning. I survived a brutal childhood. I have fed the hungry, When a family who didn’t have were not going to give a christmas to their small children, I did. No fanfare, no questions, out of love. Kids deserve it more than anyone else. I’ve seen people at there worst, and didn’t like what I saw. This world is so very cruel. Can’t take anymore. To all the good people in this world, continue to be good. I have always believed that whatever you put into the universe, you will get back. I was wrong. I just hope I am going to a better place. I don’t intend this for people to feel sorry for me. I don’t like pity. Pray for me.
And now I must return to the dust from were I began. Is suicide a sin?

for no reason, my husband, told me, he wanted me out, his sister is a lawyer, we have twin girls, they threatened, to call fam, services, because, i tred to mananage the finances, and he, said, i was holding back, money, now my girls live there, and i have nothing, please help….

I am trying to help fund raise money for the church that I attend. We are really in need of money to the point where the church got robbed and well they took everything and we can’t come up with the funds to pay the mortgage. I was wondering if anyone knew someone that might be able to help us or if you might know of some good ides to raise money in a clean way. Maybe some organizations that have money put aside for things like this. I know that Haiti is going through a lot overseas and needs the help but we need help so that we can help others. Please give as many as details and opinions as you can. Thank you.
To tell you the truth, I wasn’t really paying attention to the category. I just need ideas. Thank you for your opinions.

I have searched and talked with so many different organizations about getting a business loan including SBA, commercial banks, and state funded organizations set up for funding small business owners. I have the business plan, the statistics for future sales and I have the collateral. What I don’t have is money for a down payment even if it’s only 10%. My other questions is regarding real estate. Do you need a down payment if you are buying a business already set up? Thanks in advance for any advice and/or encouragement.

Ok, we got the FHA loan. All we need to do is get the "gift letter" and the documents for proof of gifting. Now, we are concerned because my uncle, who is giving us the money, obtained a loan from his bank to give to us. We didn’t know he borrowed the money until we got his bank statement, which the lender needs. I have read the FHA Guidelines and see that the donor can borrow the money as long as we have nothing to do with the loan, which we didn’t because he never told us, and as long as it is not a party to the home buying transaction. Is it true then? Are we ok with my uncle gifting us the money even though he borrowed it from his bank? We don’t have to pay it back or anything as he just wanted to help us get a home and we aren’t listed on this loan at all. If my uncle can’t give us the money, the only other option is to have a member of his church, my uncle is a pastor and the person is a family friend, gift us the money but we don’t know which way to go.

Can a person save money, build up finances, and keep an apartment with income from a job at somewhere such as Mcdonald’s?

I am so happy to share a testimony. I saw a man, he was so happy. I thought that he got more orders from several companies even during this recession time that’s why he is happy always. He began to speak with me and asked about my grievance in life. I said a lot of things; he laughed at me and said some thing which is so shock to me. He is a converted Christian, even his wife too. He said to me that in this recession, he incurred a huge loss because of that he sold all his machinery and closed his factory as there is no order.
I told him that he might have mortgage some of his wife jewels to manage the situation and I told him that no foolish will sell his machine because of no order. He laughed at me and said that some of the person has came to his house, In order to collect some fund for constructing a church in slum area. As he doesn’t have any money in his hand his wife gave her jewel to that missionary to construct the church. (According to me the value of the Jewel might be more then 50,000). I think that his family has gone mad. He said to me that he is not lack in any thing, because he trust in lord and day and night he and his wife pray to lord to meet his day today expenses, miraculously our lord Jesus Christ is helping them a lot to meet their expenses and not only that his wife is pregnant, doctor suggest her to take some good diet. As he doesn’t have any money the only weapon he has, is prayer. He used to pray to god and miraculously he used to get the same on the next day. I am born as a Christian, but I don’t have this faith, but the person who has converted have more faith. Those who seeks Lord; shall not lack any good thing Psalm 34:10

Our god is still living god. He proved that his words won’t change once again

I am young, early 20′s, and I got a new job last month and will make about 1200 a month. I have started an "emergency" fund in Jan of this year and its about 0. I have a loan that has about 0 left to be paid off. I give 10 percent of my money to church and 10 percent to savings first things first. And the only bills I have at the moment amount to 0. Plus, anywhere between 150 to 200$ in gas a month. So 0 + 120 + 200 + 200 = 0. Most of that is pointless info, but just laying it out there.

My main question is – should I just pay off the 0 loan first and then put savings into an "emergency" fund (and invest in other places eventually! :] ) or should I put money into the "emergency" fund and pay off the loan at the same time, evenly?

Okay, Saturday I am invited to a baby shower for a member of the church. I am a little bothered that I got an invitation, yet, I am glad that I was invited too. This person that they are having the shower for is the pastor’s wife, who hasnt said a word to me since around the end of June. I’ve seen her at church every Sunday, yet we do not talk to each other when we are there. If I get a hello out of her, I’d be lucky. I dont think I come across to her that I dont want to talk or say hi, but it bothers me that I have to go to the shower and get something for the baby.

I am not a selfish person, but right now, money is tight and I am working a PT job. I am trying to save all the money I can so that I can pay for my mortgage at the end of the month. What would you do? Go to the shower, give a gift and move on? I am all for wishing others all the best in anything they do, its just that money is tight right now. Help!
One additional thing … it will take me an hour there and back to go to the shower. Again, I dont want to sound like a cheapskate, but I would hope they would understand if I dont go but send something in the mail.

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…

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!!!!!!!!!!!

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!"

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.

Thank you for clicking on my question. I am a Christian believer. I am not the type who goes around telling people that they will go to hell and all that stuff when they do stuff that’s not right because I myself am not an innocent dove. I try to live my life in a way that is pleasing to God. Notice I said "I try". Anyway, one thing that I believe shows you the true character of a person is the way they go about their business when it comes to money. It makes me angry when I hear about a person lying in order to save a few bucks. Especially when they lie to get benefits like medicaid or WIC in order to not pay health insurance even though they make plenty of money to afford it. Anyway, I am a tithing Christian. Recently at my church, I found out that a couple who has a high ranking position in the clergy did something that has me second guessing. This couple bought a house, which is wonderful, nothing wrong with that. The problem is that the way they got rid of their other house is to do a Short Sale on it. In our city, like in many others around the country property values fell by an average of 30% last year alone. Bad for homeowners, good for buyers. From what I understood the loan from the house that they were living in was only under one of their names. I know this because they told me when they got the house about four years ago. So that means that only one of them had their credit ruined so that made it possible for the other spouse to take out the new loan for the new house since his credit is still perfectly clean. I know that they were making their payments just fine, but just put the house for a short sale to jump into a better house and take advantage of the buyer’s market. I have done the research on how a short sale works and it looks like all that happens in most cases is that you have to pay taxes on the difference between what you owed on the property and what your property sold for, which won’t be much if you’re on a low tax bracket. The reason why this is bothering me so much is because this couple is in ministry full time and they get paid a salary by the church. The bible says to give with a joyful heart, but when you hear about stuff like this from the clergy it takes away the joy of giving. Lots of people at our church are struggling financially and they still tithe. I have a steady income and don’t really know what it’s like to be in financial hardship like others thankfully. It just doesn’t seem right when the leaders of the church do stuff like this. Like I said I believe that a person’s true character shows in the way they go about their finances. What this couple did doesn’t seem ethical to me. Please give me your opinion on weather this was right or wrong. I know that lots you who don’t agree with Christians are going to take this question as an opportunity to say how hypocritical we are and stuff, but it’s ok, you have the right to your opinion. Sorry for the long question.

New Year’s Resolutions

As we all start a new year, it is time again to make those ever so important New Year’s Resolutions. I have faithfully made such resolutions in the past, and while I haven’t been able to keep all of them, I have tried my best to continue making progress on them year after year.
Following is my revised list of "New Year’s Resolutions – 2005 Edition":

Resolution #1 2002: I will try to be a better husband to Marge. 2003: I will not leave Marge. 2004: I will try for a reconciliation with Marge. 2005: I will try to be a better husband to Wanda.

Resolution #2 2002: I will stop looking at other women. 2003: I will not get involved with Wanda. 2004: I will not let Wanda pressure me into another marriage. 2005: I will stop looking at other women.

Resolution #3 2002: I will not let my boss push me around. 2003: I will not let my sadistic boss drive me to the point of suicide. 2004: I will stick up for my rights when my boss bullies me. 2005: I will tell Dr. Hodger and the group about my boss.

Resolution #4 2002: I will read at least 20 good books a year. 2003: I will read at least 10 books a year. 2004: I will read 5 books a year. 2005: I will finish Airport.

Resolution #5 2002: I will not get upset when Charlie and Sam make jokes about my baldness. 2003: I will not get annoyed when Charlie and Sam kid me about my toupee. 2004: I will not lose my temper when they tell the guys I wear a girdle. 2005: I will not speak to Charlie and Sam.

Resolution #6 2002: I will get my weight down below 180. 2003: I will watch my calories until I get below 190. 2004: I will follow my new diet religiously until I get below 200. 2005: I will try to develop a realistic attitude about my weight.

Resolution #7 2002: I will not take a drink before 5:00 p.m. 2003: I will not touch the bottle before noon. 2004: I will not become a "problem drinker". 2005: I will not miss any AA meetings.

Resolution #8 2002: I will not spend my money frivolously. 2003: I will pay off my bank loan promptly. 2004: I will pay off my bank loans promptly. 2005: I will begin making a strong effort to be out of debt by 2006.

Resolution #9 2002: I will see my dentist this year. 2003 I will have my cavities filled this year. 2004: I will have my root canal work done this year. 2005: I will get rid of my denture breath this year.

Resolution #10 2002: I will go to church every Sunday. 2003: I will go to church as often as possible. 2004: I will set aside time each day for prayer and meditation. 2005: I will try to catch the late night sermonette on TV.

My fiance and I are getting married in June 09 in our hometown. But until December we will be living kind of far away as we finish our last semester in college, making it a bit hard for us to put money down on things like the church and reception venue. My dad has just pulled out a loan, and my future in-laws are contributing a considerable amount as well. We need to find a way for us to access funds from where we live, and still be able to have both sets of parents have access to the funds as well so they can pay for things there. What is the best way to do this? We were thinking a checking account. But how many people can you have on a checking account? Any advice on this from past brides?

I just graduated with my masters degree and started my very first job How exciting! However, I’m slightly overwhelmed with what to do – how to break up my money. I feel like I’m even poorer than when I was in school…

I have 60k in student loan debt (now down to about 58k). I pay 700 dollars from each pay (every 2 weeks). So, on average 1400 a month. I am putting 1400 a month into savings (1.3% interest rate, no fees). I am also putting 5% into retirement. I want to get my higher interest loans (6.8%) paid off quickly (about 50% of my loans are that rate) and I have about 14,000 at 1.25% (which I will take my time paying off). This leaves me with a little more than 200 dollars a week for gas, food and expenses.

I want to buy a house soon, and am thinking at this rate, in 2 years I’ll have a good chunk of my loans paid off and also have about 40k in savings for a down payment. I will be getting a large pay raise in about 5 months, and I plan to put the extra into retirement and an emergency fund, and also increase my bi-weekly loan payments to 00. Right now I’m putting 5% into retirement, I would like to put 10% when I get my raise.

I have no credit card debt and no loans except my student loans. I plan on living with my parents for the next 2 years in order to save more money, pay off my loans, and be in a good position to buy a house.

Is there anything I’m forgetting? Is there anything I should be doing differently? I would just lay it hard and heavy on the student loans and get them paid off but I feel like I should put some into savings too so I have some money at my disposal in case something happens.

I’m also supposed to be giving 10% a week to my church. I don’t know how people can handle all of this. I was so excited to get a really good paying job, but I feel like it’s impossible still to get ahead. I know I have a lot of student loan debt, but I really don’t think 10k per year of school is all that bad… that included all of my living expenses and tuition. I worked part time and had scholarships so that helped too.

I’m 25 and just stupid with money. The whole thing stresses me out. I finally have a job and I’m terrified to spend any money. I don’t know what to do. I read things online, listen to things on the radio, and it all just confuses me. Any advice would be greatly appreciated

Good day,

How are you today? I was suprised when you said i was going to scam you. That was why i refused to write back to you. I later understand that doing an online business, require trust on both parties involve, and there is every tendency to have fear because we do not see ourselves. So if we can actually do business together, we need to build this trust on ourselves, as i can never dream to involve myself in an act, of scamming my fellow person just because of little token, and to sin against the almighty God, who had been keeping me and my family alive, substaining my business. Besides, i am a Catholic faith, a reputatable man in my society and in my church, so, i can not afford to damage my name and my company’s name. Again, how would you expect me to add some one else money to my money, would that not make my company to fall down?
There is no need to be skeptical about this transaction as i have references of distant clients who just benenefited from our loan offer

hey,
I have posted before about my recent girlfriend problems. I have been going out with her for about 2 years now. Click on my user name and try to read my question titiled "is it really over after 2 years?"
Basically, she a couple weeks ago, after 2 years of dating, she wants me to do a bunch of things…. start going to church with her 3 times a week, including Saturdays. She even wants me to quit my job because she won’t let me work on saturdays, as it is the day of rest and supposed to be devoted to GOD. If you remember, she goes to church on Saturdays and NOT Sundays, her religion is Adventista. Anyway, last night we had a long talk. I love her and I pretty much had to do all the compromising. She told me that she want’s to follow the 10 comandments of GOD. I told her that it’s quite o.k. with me. She then said that means no more sex until we are married. I told her "O.K." Then she told me that I can’t work Saturdays anymore because it is the day for GOD. I don’t know what is in her mind? I told her that I can’t just quit my job. I go to college and have 2 years left to graduate. How am I supposed to pay for college? I don’t get any student loans! I have a car payment, and a personal loan. Who will pay all this? I told her that I can do everything, even stop having sex until marriage, but I can’t quit my job, because no one will give money! She said to me, “I need someone who will follow ALL the 10 Commandments with me.” I asked her why she goes to church on Saturdays and not Sundays. Because I know her religion is “seventh-day Adventist” So the “seventh day of the week is SUNDAY NOT SATURDAY. She said, that I’m wrong and it Saturday that should be worshiped. She also said that all the people who go to church on Sunday are wrong and they don’t know what they are doing. Then she said “why don’t you want to follow me?” “Don’t you want to follow the word of GOD, because he will be coming back soon and taking with him to heaven only those who follow what the 10 commandments exactly.”
Then she had her pastor from her church e-mail me a script to show why you must go to church on Saturday and not Sunday.
I want to share it with all of you to see what you think. Here it is:

"Sunday is a Catholic institution…. From beginning to end of
Scripture there is not a single passage that warrants the transfer of weekly
public worship from the last day of the week to the first." Catholic
Press, August 1900
"For, since we [Catholics] deny that the Bible is the sole truth, we
can fall back upon the constant practice and tradition of the Church."
Francis Lentz, Catholic priest, 1900
"If Protestants would follow the Bible, they should worship God on the
Sabbath day. In keeping Sunday they are following a law of the Catholic
Church." Albert Smith, Chancellor of the Archdiocese of Baltimore, 1920
Even the Protestants themselves admit that Sunday observance is not
biblical:
"There was never any formal or authoritative change from the Jewish
[sic] seventh day Sabbath to the Christian first day observance…. The
[Gentiles] brought over the consciousness of various observances in the
pagan religions, preeminently the worship of the sun – a sort of Sunday
consciousness." W. Carver, professor at Southern Baptist Theological
Seminary, Louisville, Kentucky, 1940.

In childhood, she was concerned about my health and education but not really about social life. It was OK! for her that I was getting along with social outcasts who also had boring life. As long as I was "saint" and religious, going always to church this was making her happy. Any who is agnostic "considers" evil. My sister was social outcast too and my parents neither had rich social life. Even when I was 10, she put me down with words (accused) regarding me having crooked back now being overweight (but I go to gym and try to loss weight and get in shape) . I went to very good but private school and the classes are small and teachers wonderfull and statistically almost every graduate get job from school I attend. She of course prefered me to go to community college because of money and already I got a lot of financial support for first year. For next year I am gonna take priv loan, but for the first I took very small amount PLUS on her name as we agreed. Now she is mad at me
that she has to repay per moth with interest. Fine so I” subsidize her loan through my private and she won’t have to pay anything. Thanks for help! And thought that couple months ago she was worried about me not goint to much into debt when I considered on-campus housing. Mixed motions?
I got on parents onl 3800 loan and big deal. It can be paid off fast sooner or later. I did not even took on campus housing to save more money for next year and not go against their wishes as it would be hard. I love my mother but sitting with her and listening to her complaints is depressing. I really try hard but sometimes I feel she sometimes she undermine me, does not value good things I do. Help!
She also always looks at my closet and backpack though I do not like it. Later she accuse that I do not put clothes properly although because I can’t as she still does it by herself, even sometimes she does not let me do myself it instead of her. I also cannot lock my door to my room because it is inappriopriate for her. I feel little bit violated with privacy.