I screwed up, royally. I've put myself into a rough situation that I'm having trouble finding a way out of, and I need an outsiders viewpoint and advice. I have mild cp, I'm 34, recently been through chapter 7, and my vehicle was repo'd last year. For the past 3 years or so, I've been working a part-time min. wage job for a sporting goods store. Aside from the crappy pay, it is a good job with good people, but it is killing my knees, literally. They've been getting steadily worse the past few months and keep feeling like they're going to give out on me. I have no insurance (through the job or otherwise because of my financial situation), so I can't look a doctor for it. I've tried to receive promoted, but like every the other jobs I've worked at, they look me as uncapable of filling the jobs needs. I'm also trying to put myself through college for a degree in computers. My gpa was too low from my past college experience, so fafsa denied my loan. So I'm stuck paying for it by cash now, which I am also finding to be difficult because of finances. I've thought about applying for SSD, but I haven't seen a doctor for any of my health issues since I was about 18 because they couldn't do anything for me at the time. So I doubt I'll qualify for SSD without a doctors signature. And now that I want to look a doctor, I just can't afford it. So I know I need a new job, there's no way around it. But the more I look, the more I'm having a difficult time finding something to suit my physical needs. Between the bad knees, the arthritis in the hands, the chronic muscle spasms and chronic fatique, I just can't seem to find a job that I feel I will fit into. I can't stand customer service anymore, it's just too labor intensive. And most jobs I'm seeing in my education class (high school education) seems to require physical strength, stamina, and decent health (none of which I have anymore). Other jobs like admin/clerical work requires good finger dexterity and quick typing skills. I've tried sales before already and failed at that, as well as failing at supervisory work. Hell, even my family tells me I don't make a good supervisor. I've even thought about "work-at-home" jobs, but they every look like major scams to me. I just feel like crap right now. I'm just not sure what type of job would suit my physical needs anymore. The harder I try, the more depressed I receive. I'm even starting to feel (not much, just a little) suicidal at times. I don't know what to do anymore. I've got to find a job before I do something completely stupid and assanine. I'm at my wits end here. I can't seem to find a way out of this dark hole I put myself into. Does anyone have any ideas that might help me?
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BACKGROUND: Graduated a few months ago with a major in biology and a minor in mathematics. I decided pretty recently that while I like some aspects about biology, I’m not going to pursue a career in it. So I’m left with using my mathematics minor to pursue a career. I’ve never considered careers that are heavily math based before, but I feel I have a strong aptitude for math and a good ability to strengthen my skills there. Doing some internet research I came across the career path of an Actuary, which is a very challenging math/statistics intensive career. I also read about Operations Research, and Industrial Engineering. MY QUESTION: What are some other career paths that are heavily math based? My conditions are: - The careers isn’t biology based (at least not 100%) - I don’t want to be a teacher - I’m not opposed to going back to school for an M.S. &/or PhD to pursue this type of career (e.g. for a degree in applied math or statistics) - I’m not bound to pursuing this career in any particular field; could be economics, finance, insurance, etc. Thank you every for your help.
Having difficulty phrasing this question. I’ll try to keep this short. BACKGROUND: Graduated a few months ago with a major in biology and a minor in mathematics. I decided pretty recently that while I like some aspects about biology, I’m not going to pursue a career in it. No medical/dental school, no M.S./PhD in a biology related field, no working as a lab monkey culturing cells and creating dilutions indefinitely. So I’m left with using my mathematics minor to pursue a career. I feel I am very strong in math, and have a good ability to strengthen my abilities here. Doing some internet research I came across the career path of an Actuary, which is a very challenging math/statistics intensive career. What is unique about the Actuary profession is that advancement is merit based; you pass a test, and generally your salary is increased and you gain more work responsibility. MY QUESTION: What are some other career paths that follow a similar merit-based system? Perhaps not where advancement is strictly based on you ability to pass a test, but where that is a component of advancement. Ideally this career would be math oriented, but it doesn’t have to be. I’m not opposed to going back to school for an M.S. &/or PhD to pursue this type of career. I’m not bound to pursuing this career in any particular subject area; could be economics, finance, insurance, etc. Thank you for your help.
As a young 18 year old I feel like I have more responsibilities and duties than those I know in my age group. I’ve been very stressed lately due to my uncertainties and preoccupations. I underestimate myself when I know that I try my best at everything I do. Unfortunately, I did not fully take advantage of my education getting needy grades throughout high school. It wasn’t until my senior year that I started actually caring about what I was going to do in the future. I advanced in getting much better grades but it wasn’t enough. I graduated with a needy GPA which simply decimated my chances of getting into a university. I am applying for NOVA (Northern Virginia Community College) spring 2011 classes, I will need financial aid. Another issue of mine is Hypochondria. Although I haven’t medically been diagnosed with this terrifying mental disorder I’m strongly adamant that I have it. My family currently does not have health insurance, so I’m on my possess and have no idea where to apply for it. Should I ask my employer? Do I even make enough money to consider it? Will my hypochondria affect the cost of it? I lately have not been reckoning hypochondriac thoughts because I’ve been busy and productive but when I’m not doing anything or just bored it hits me! every these unbearable thoughts of how I might have terminal diseases and other complications that simply arise from having a minor headache to even a slight scratch really scare me and sometimes put me into questioning my possess sanity. I also lately been having recurring thoughts in which I put myself in worst case scenarios with my life, for example I always keep thinking that I will die before reaching the age of 20 due to my medical complications and having to look my mom suffer, this sometimes puts me in the brink of tearing up. I also think about my younger brother and his destiny if he keeps up with his actions (doesn’t care about school, drugs & alcohol, disappointing my parents).I am a very glad person and I’ve never been depressed. I have a loving family and girlfriend. If things keep going the way they are I’m afraid that it will endanger my relationships with the people that I adore most including my friends. I feel like I’m too young for this and that I worry a lot. There are many things that I think about that are irrelevant to my current life. I need to cease thinking negatively and just keep living life. I don’t want to “lose it” or become depressed and at the rate that my life is going I think I will. I want to continue in being glad and living life successfully. I need help whether it is advice or any ideas. Are there any medications to treat this? I simply cannot control my negative thoughts. For the time being I will follow this list and try my best to keep up with my top priorities until I receive HELP. SCHOOL: Apply for college A.S.A.P and try to apply for financial aid. And keep up with it. CAR: My only source of transportation, this is crucial, without this I have no job nor would I be able to go to school. Check tires, engine oil, tidiness of car (both inside and out!), frequently. Also make sure to keep up with entertainment for the car (i.e. ipod, stereo system) HEALTH: Dedicate myself to receive in better shape (hit the gym), eat healthier, and clip back on quick food. Practice meditation to provide alleviation from daily stress. Receive therapy for my hypochondria if possible. FAMILY: If it weren’t for family I wouldn’t be as ecstatic or spunky as I am, therefore I need to make contact with them at least once a day. I also need to provide help when there is financial or just problems in general at home (pretty much just be there for my family when needed). FINANCE: I’m obviously not financially well, there’s much to be paid for but I need to prepare myself for it. When it comes to pecuniary terms I’m not the brightest person. Hopefully I will be able to pay for school, my medical expenses, and personal care and needs. My job will provide the money that is needed for my financial wellness. WORK: Been with Cal Tort for 2 years and am glad being there. Keep up the good work because without a job I’m just a bum.
Don't ask what or how it happened. I cant give a solid answer, i've yet to receive 1 myself. I live in NJ and I don't know if there are any laws that help someone like me. I am stuck in every these contracts at my apt (he moved in with me 6 yrs ago) contracts like cell phone, fios, etc. ALSO, he convinced me to sell my car 2 yrs ago and receive a new one. I put it in his name (cause the insurance was in his name) and paid the down payment by myself, and payed 6grand toward the car (he has not contributed) and he's now telling me that he wants to sell it because legally it's his!. I cant believe i fell for this jerk but more importantly, is he obligated to still help me financially? Do I qualify for palimony/alimony? Trust me, i'm in no way a catty lady and I'm VERY financially responsible and NEVER in a million years would I have put myself in these contracts if I'd known that I'd be stuck paying them on a single income! What should I do?! I'm so fricken upset/mad/scared and EMBARRASSED by the fact that he just broke off our wedding. I did not have anything booked yet as far as the wedding was concerned basically because I just wanted something really tiny and finances were an issue. Please PLEASE help me determine if he's in any way financially obligated to me. I've been researching wedding dresses this past month and he's ben researching studio apts! and saving money in a secret account. I didn't' even do anything to him he just got freaked out i guess. No I'm not trying to receive something I'm not entitled to. Thats not my style. alimony/palimony could be over a decided length of time (i.e. the time it takes for these contracts to end). Trust me i'm the one being raked over coals here.
My Dad passed away in June. He and Mom have two homes One has a reverse mortgage the other he took out a loan on for a line of credit. He apparently out lived his money and over the last ten years cashed in most of his life insurance policies. Bottom line, he left my mom the task of being responsible for two homes while receiving only $1,100.00 a month from social security,She did receive $5000.00 from the VA but this has been spent on bills. She has done nothing since my Dad did on June 25th, but sit at a table every day and night writing checks. My mom was not involved with the finances and is very much in need of guidance from a professional but cannot afford to spend any extra money for anything. She was advised that she should sell one or both of her homes. Although the line of credit she has in the one home is helpful (this is an interest only loan), it is not enough to support two homes and herself. I have been staying with her since Dad became sick on June 3rd. This home is close enough to mine where I can travel back and forth to my possess home and try to keep it up as well, The other home (with the reverse mort.) is to far away for me to tug this off. She's 86 and I'm concerned this stress will kill her too. Any advice is appreciated. Thank you She isn't looking for a loan really, she's looking for a way out of one or two. She has no idea how my Dad handled the money, she just knows he would take money from one account and put it in his living expenses account. She thought it was the home equity-line of credit account he took it from so she did that. We have since decided she shouldn't do that anymore. The reverse mortgage home can't be rented, it's their rules. Plus it's a condo in an HOA and every time they'd turn around they'd be getting an assessment (sometimes $4000.00) for for something plus they pay $500.00 a month to the association to live there. In their possess home. It's not a good situation in my opinion but, who knows. Thank you for (continuing) to respond.
* A Socialist. He supports public ownership of the means of production, redistribution of wealth from some segments of society to others. * A Fascist. He supports State control over private industries and the means of production, and just about every aspect of citizens’ daily lives. * A Communist. He supports State ownership as well as control of industry and the means of production. SOCIALIST: Examples to show that Obama is a socialist include his vote as a U.S. Senator in favor of the Wall road Bailout, often mistakenly seen as an example of "capitalism," but which was actually an example of socialism: redistribution of wealth from the middle-class workers and producers to the already wealthy Wall road bankers and financial executives. Obama also clearly supports the ongoing military socialism through the wars he has been continuing and strengthening abroad: redistribution of wealth from American workers and producers to defense contractors, consultants and lobbyists, oil executives and Wall road bankers, which really has been a main objective for American wars throughout the last century. As the tardy USMC Maj. Gen. Smedley Butler would say, "War is a Racket." FASCIST:: every government mandates and regulation of private economies are examples of fascism. ObamaCare consists of one mandate and regulation after another of private doctor-patient relationships, patient/doctor-insurance company relationships, and a laundry list of medical related industries. In addition to ObamaCare fascism and Obama’s strengthening of his possess executive dictatorial powers as president, some other examples of Obama’s fascism include his new financial regulations, and the environmental regulations that he used as a means of interfering with Louisiana Gov. Bobby Jindal’s duty to protect the people of Louisiana from the oil spill that threatens their livelihoods. While allowing doctors’ practices, HMOs, and insurance companies to continue to be privately owned, the federal government will nevertheless dictate to them how their contracts and associations will be run. However, given a variety of factors, this dictatorial control over the medical industry will most likely guide these still privately owned interests into bankruptcy, much like what the federal government has done to the financial and mortgage lending industries, and the federal government will most probably take upon ownership, as well as control, of much of these industries. COMMUNIST:: Communism is, by and big, complete State ownership and control of every industry, wealth and property, and the means of production. So far, we have seen this from Obama in his leading the charge of confiscation of much of the automobile industry, as well as the federal government’s ownership of much of the mortgage and finance industries. And eventually, most likely, the entire medical industry. http://www.lewrockwell.com/orig10/lazarowitz8.1.1.html
Median Income for and American family of four is about $54,000 per year, or $3600.00 per month after taxes. Mr. and Ms. Frugal then bring home $3600.00 per month. Let's add up $1000.00 for home payment, $300 for utilities, payments on two used cars at $200.00 each, gas to go to work about $200.00, about $100.00 per month for car insurance and a whopping $100.00 per month for communications, cells phone internet ect. and since they don't eat much $800.00 for food. This totals $2900.00 and leaves them $600.00 per month and if they have to pay for health insurance, about $1000.00 per month they are now $400.00 per month in hole and more than that when the car breaks or Little Johnnie Frugal wants to play Little League. And this is what passes for Middle Class in America, No wonder they are pissed. No Vaction. No nothing.
My husband and I are both 25 and have been married for five years. I adore him and I know I want to be with him for the relax of my life. We have a five month old daughter who we both adore dearly. Here's the problem: we mutually accumulated a big amount of debt during college and have four degrees between us. I'm making money staying at home as a writer (around 25K-30K) and I watch my daughter. We're struggling to find him a permanent job in his field. every we can find are contract positions, and there's usually a month of downtime between being able to find him another when one is over. This leads to a great deal of stress. Sometimes I feel like hurting myself. To top things off, his car was totalled last week (luckily he was ok). Now, he's been offered a position that's a 1 1/2 hour commute each way and only on the weekends. He has to take it or we won't be able to make rent. We only have one car now, and it's a piece of junk. Basically, I'm horribly depressed and feel like we don't have a future. We tried to do every the right things and now we're getting nowhere. I lash out at my husband even though he's doing everything he can to make things work and so am I. How do I receive myself together and be more supportive of my husband through this? If we had the money or insurance I'd receive help, but we don't have anything like that... My degrees are liberal arts oriented, so essentially I'm making what I'd be expecting in a full-time position outside the home. The only difference is we don't have to pay for childcare if I stay home, so it helps. He has a chemistry degree and a mathematics degree from a great school. Theoretically, he should be able to find a job. Unfortunately, companies aren't hiring for full-time positions. I'm not freaking asking for financial help here, just advice. If I had it to do over again, I would have majored in something useful but what's the point in playing what if? You're right about finding something outside of his degree field. He works moving boxes and does construction part-time. I'm looking into picking up bartending in the evening like I did in college. I think it's really the lack of any security that's messing with me. We've kept our heads over water for almost two years now, and nothing secure has arrive along so far. Zoom: that's a great idea! I'll look into that. Thanks!!
I am currently taking a module in Banking and Finance and am studying the various financial intermediaries. Of which, below the contractual savings institutions, they mentioned 2 types of insurance companies, Life Insurance, and Property & Causality Insurance. While my subject guide mentioned Property and Causality, my lecturer's notes mentioned them as Property and Casualty. I would like to enquire as to which is the correct term? A search on Google turned up many search results for Property and Casualty but nothing much came up for Property and Causality. Furthermore, the insurance coverage for that particular type of insurance mentioned damage and injury which indicates that casualty is the more probable correct term. However, as my guide are written by the examiners themselves, I have reasons to believe that causality should be the correct term. So could anybody advice as to which term is the correct term? My subject guide is written by the examiners from U.K. - London School of Economics, and for the particular chapter we are studying the Financial Intermediaries in the context of U.S.
Okay so i was able to finance a car through nissan dealership, we got approved (my husband & i) we signed every the papers required, took the keys, got insurance on it, now a week and a half later they call us and say we need a "co-signer" , they call again and say if cant find anyone they are taking the car away. So after we arrive in becuase they called us he saids with a smug on his face were sorry but you cant receive financed?!! IS THIS EVEN LEGAL FOR THEM TO DO?? Do they have to refund me my money for the full coverage car insurance i put on it and already paid for? Can i take them to court? Anythign will help Thanks
I just wanted to know about how much the dealer charges for gap or at least an average. I refinanced my vehicle and am awarded a refund of my gap because the new financing is offered with it. So I don't know if anyone has gone through this, but if you have any answers please let me know. Thanks in advance.
Whether you are for Universal Healthcare or not, this bill is pure cr*p. It is good for nobody, it is bad for the needy AND the wealthy. needy people have to worry about how to finance health insurance or else be in violation of the LAW....and for those who have no permanent address, and those who live in rural places, this challenge will prove incredibly difficult. And worst of every, paying this fine does not give you any real coverage. On the other hand, health insurance providers are now FORCED by law to accept high-risk patients at lower insurance rates and then overcharge everybody else who is an existing customer..... because the only other option is for the insurance companies to go out of business...if Regulations keep getting added, then inevitably they would go out of business. This would leave us with the need to put in an emergency public option. I think the bill is terribly inefficient. What will happen is many people uninsured will likely NOT pay the fine, The Government will have to spend more than the bill provides for to then cover these people, because don't forget....you are losing money by Forcing insurance companies to take on new high risk patients. We would be better off with Universal Healthcare than this.....this bill is just a complete mess.... We didn't even explore the avenue of capping medical lawsuits and lowering cost, why not?
We are wanting to do this in a couple of months, Im am 26, hubby 28. I know that capitol one isnt doing financing for ivf anymore, and that was a pretty popular loan. So what are some others? We live in WA state and so NO our insurance doesnt cover not one ---- thing.
I'm in a bad living situation and I'm slowly trying to receive out....I make minimum wage and I'm trying to finance a vehicle...I have no money to put down, and the little credit I did have was gone a long time ago due to unpaid medical bills.... I'm also trying to put money towards my rent and other bills, so I can't afford much..... I have no credit cards or expired loans, and don't want any...so please don't recommend any..... I figure with taking $80 out of every pay check I can afford a payment of $320 a month....Also taking 30 out of the same pay check to make payments of up to $120 towards insurance..... Is this too much? This is the first time I'm paying insurance on a vehicle, I'm also living on my possess for the first time as well..... My last ticket was almost 7 years ago...I'm a safe driver...what nice of prices am I looking at? I know I can go to specific sites and plug in my information....but I don't have the vehicle yet and I'm trying to budget for the purchase....I'm planning on getting a tiny reliable car, nothing flashy..... Can anyone guesstimate a price for me? Am i figuring too high? I don't know if this has anything to do with the prices, but I'm twenty-four.... I live in georgia.....so what are some ball park numbers? Am I looking at below 50? Over 150? AGAIN.....don't have the car yet.....I'm just asking about an average rate for a 24yr old female with a good driving history......don't you guys read? every of the sites I could use require a vehicles information...I don't have the car yet!!!!
I just got a used car from a tiny dealership. The price of the car was 3995. I had to finance the car because I didn't have the cash on hand. I put 500 down and they told me that they would try to lower my interest rate. They said they couldn't and now I have an interest rate of 33%. They also asked for another 500 in two weeks. My car payments are 220 a month for the next 23 months. My pal told me to pay it for 6 months and than just pay the relax off. I can't afford this plus 300 insurance. How can I pay this car off before my two years that way I can receive rid of this bill?
i am pursuing my mba from institute if engineering and management (iem) kolkata i am bit confused aboutchoosingg my specialization i am being offered specializationss in media sector,real state sector,retail and supply chain sector,banking and insurance sector and last is hotel and hospitality i need to chose two.I will be choosingg banking and insurance sector but about other combination am in a dilemmaa between hotel and hospitality and real state sector and also am not very strong in maths will it effect me an which dual specialization should i go for so that the degree would b rewarding and would always be in demand in future every these specialization in below pgp programmee of iem and i have another degree with this that is the ugc recognised MBA in which i would be choosingg finance and marketing as my specialization so pls do say me what nice of specialization in pgp programmee would help me finance and marketing specialization below ugc will be taken by me for sure and also banking and insurance below pgp but which other specialization should chose i can consider any specialization below pgp which would enhance my other specialization below mba degree do help Thank You
Hello Yahoo Community, I have recently graduated college and I need some advice. I have a Bachelors in the Science of Economics with concentrations in both Real Estate and Finance from Wharton Business School, as well my licenses as Real Estate Sales Associate, Title insurance Producer, and Notary Public in the state of New Jersey. I was planning to start a Title Office, but startup funds are non-existent and the market is well saturated as of now. My career dream is to be an investor and entrepreneur but money is a necessity to start anything down that path. I am very organized and determined individual who is very good at math, computers, and Microsoft Excel. I'm interested in Real Estate, technology, and management. I was just going to do Title work or Real Estate for money in the beginning but I have no money to advertise or gain clientèle in any timely fashion. Can anyone give me advice on a good way to make money and keep up using any of my skills? I wasn't looking for anything too corporate because I don't want to be tied down in the long run and I'm not looking for the world because I only have few responsibilities as of now and am willing to take risks and am very good at saving money up, so it won't take much to do a lot. Any help gang? Thanks in advance.
I've read the lesson like three times. I can't find the answers. Can you? 1. What are the results of having a needy credit score? lower interest rates higher credit limits lower gross pay none of the over 2. Interest rates on a longer loan are lower than interest rates on a shorter loan. True untrue 3. On average, compared to a person with good credit a person with needy credit will pay ________________ for insurance? 5% to 10% more 10 to 15% less 20% to 50% more 25% to 40% more 4. What does a FICO® score represent? outstanding debt income of debt ratio creditworthiness length of credit history 5. Having a high credit score leaves more realized income for what? luxuriess savings debt repayment every of the over 6. How long does it take to rebuild your credit history? 8 years 7 years 9 years 30 years 7. From a bank’s perspective, a person with needy credit represents more ______ to default. risk interest collateral guarator 8. How many monthly payments are there in a 30-year loan? 30 365 360 100 9. People with needy credit tend to file more insurance claims, and thus cost the insurance companies more money. True untrue 10. When you have no credit the credit card companies do what? assume you have excellent credit assume you have needy credit offer you a low introductory interest rate offer you a balance-transfer card
if you receive financing on a motorcycle, do you have to have insurance every the time? For example, winter is coming up, and so I won't be driving the bike, and will just keep it parked in my garage. Does the bike still need insurance while it is parked and not in use?
I'd like to make you a business offer. Seriously. This is a real offer. In fact, you really can't turn me down, as you'll arrive to understand in a moment… Here's the deal. You're going to start a business or expand the one you've got now. It doesn't really matter what you do or what you're going to do. I'll partner with you no matter what business you're in – as long as it's legal. But I can't give you any capital – you have to arrive up with that on your possess. I won't give you any labor – that's definitely up to you. What I will do, however, is demand you follow every sorts of rules about what products and services you can offer, how much (and how often) you pay your employees, and where and when you're allowed to operate your business. That's my role in the affair: to tell you what to do. Now in return for my rules, I'm going to take roughly half of whatever you make in the business each year. Half seems fair, doesn't it? I think so. Of course, that's half of your profits. You're also going to have to pay me about 12% of whatever you decide to pay your employees because you've got to cover my expenses for promulgating every of the rules about who you can employ, when, where, and how. arrive on, you're my partner. It's only "fair." Now… after you've put your difficult-earned savings at risk to start this business, and after you've worked difficult at it for a few decades (paying me my 50% or a bit more along the way each year), you might decide you'd like to cash out – to finally live the good life. Whether or not this is "fair" – some people never can afford to retire – is a different argument. As your partner, I'm glad for you to sell whenever you'd like… because our agreement says, if you sell, you have to pay me an additional 20% of whatever the capitalized value of the business is at that time. I know… I know… you put up every the original capital. You took every the risks. You put in every of the labor. That's every true. But I've done my part, too. I've collected 50% of the profits each year. And I've always arrive up with more rules for you to follow each year. Therefore, I deserve another, final 20% slice of the business. Oh… and one more thing… Even after you've sold the business and paid every of my fees… I'd recommend buying lots of life insurance. You look, even after you've been retired for years, when you die, you'll have to pay me 50% of whatever your estate is worth. After every, I've got lots of partners and not every of them are as successful as you and your family. We don't think it's "fair" for your kids to have such a big advantage. But if you buy enough life insurance, you can finance this expense for your kids. every in every, if you're a very successful entrepreneur… if you're one of the rare, lucky, and difficult-working people who can create a new company, employ lots of people, and satisfy the public… you'll end up paying me more than 75% of your income over your life. Thanks so much. I'm sure you'll think my offer is reasonable and happily partner with me… but it doesn't really matter how you feel about it because if you ever try to stiff me – or cheat me on any of my fees or rules – I'll break down your door in the middle of the night, threaten you and your family with heavy, automatic weapons, and toss you in jail. That's how civil society is supposed to work, right? This is America, isn't it? That's the offer America gives its entrepreneurs. And the idiots in Washington wonder why there are no new jobs…
Hi Everybody! Has anybody ever moved cross country? Or from the US to Canada? I am moving from San Francisco to Ontario (north of Toronto) I am attending University in Ontario for vetinary school! I was born in Canada but grew up in the US (California). I don’t remember anything about Canada and have no clue about moving there. I have about five 20 x 24 boxes that I need to boat there. What is the best way to go about moving them cross country? I am also bringing a car. I don’t want to ruin it by putting so many miles on it (used Toyota camry or might be a used pruis) and according to mapquest it will take 45 hours to steer there! Or roughly, 350 in gas cost. Morever, I’m only 22 and my parents (who are helping in part to finance my vet school and lending me their car for two years only) refuse to let me steer it there since Im a tiny girl and it would take 45 hours of driving and it might not be safe , etc. How would I go about shipping the car? I myself am flying there. Does anybody know about buying car insurance there as well as cell phone? I currently have triple A and also At and T cell phone plan. Quite honestly I am scared to death about going to Canada for professional school. But it’s so much cheaper than American vet schools (by about 10k). I was going to go to an American vet school, but they received my intent to enroll a little bit to tardy : ( Anybody who has lived in Ontario—can you guys give me any tips? I am Canadian by birth and Also hold American citizenship, but I have NO IDEA what it’s like to live there. I don’t have any friends nor family and the last time my parents were in Canada was 21 years ago! Does anybody know the cost of living in Ontario how it compares to SF Suburbs? If I am sick, can’t I just steer an hours south of the border to upstate New York and go visit the doctor there? I am scared to death : _ ( I have no clue how the Ontario health system works: dental, optometry, and everything else (I have asthma )
It seems a lot of people who could their biggest supporters are turned away by their knee-jerk reactionism. people such as Hispanics and Latinos, most of whom are religious conservatives, Gays and lesbians, many of whom are independently wealthy, People who use medical marijuana, which is expensive and not covered by insurance and must be paid for with difficult-earned dollars, no gov't check could ever finance. I could go on and on, I've even heard many union leaders sob for less active gov't regulations, right-wing regulation, of course, but regulation, the very thing conservatism is supposed to oppose. Why don't they receive this?
Well, I filled out the finance application for a motorcycle from the dealer today, and left the dealer. The salesman said that he would call me back in a few hours to tell me the status of the application and so on. Well, when he called back he says "you're good to go, let me know when you want to pick up your bike!" I was working at the time, and I missed his call, so I couldn't talk to him, but he left the APR, financing rate, etc stuff over my voice mail. The only form I filled out was the credit form, but when he called back, the APR and financing rates were way too high, and after hearing that, I decided that it isn't worth it to me to buy the bike. Am I obligated in any way? I didn't put a deposit, and I didn't fill out any other paperwork other than the credit application, but he did make a copy of my license and insurance forms. And before I left he had the paperwork filled out with the down payment amount, but because he said that it would take several hours to hear back, he left the APR, loan rate, etc stuff blank and that form was not signed. This is every very confusing to me.
My current car is getting pretty old. It was nice, until I drove it into the ground, which is chilly because I got my money out of it. It's an 01, has leather, power everything, etc etc. Now it has 140k and things are breaking left and right. The A/C no longer works, it's been over 100 this week, and rising in the car is miserable. However, financially speaking, it's not worth fixing the car because it's book value is so low. Better off getting another car... So again it boils down to finances. I never thought I would be in this boat, but there are layoff's happening at my company. Am I at risk? It's possible...work is drying up pretty quickly and next year I don't know where I will be standing. Not to be fear driven, but right now it's wise to be smart about things. The last thing that would be smart is to go receive a tardy model car, have a loan on it, full coverage insurance, etc etc...Not that I can't afford it, I make decent money, it's the layoff threat that is concerning me. I don't want added stress of a car note if I receive laid off. I have been car shopping. I will not steer an import, only American. I like cars from the mid-80's like the Monte Carlo SS, Cutlass T Tops, etc etc. I found a nice 2 door 1985 Cutlass for $2000 from a little old lady, perfect condition and runs like a top. The A/C blows icy, paint is nice, it's an older car but far from "embarrassing" like some rusty pail would be. And given the CURRENT ECONOMY, I think such a move would be wise until things receive better. The girlfriend says she thinks the car is ugly, and that she would feel like a chola is it. She is hispanic, I am white, we live in L.A. I told her I like the car and I'm not going to "pimp it out" like some gangster. I ran other cars by her she didn't like either, like a Thunderbird, Grand Prix, and others. I like this Cutlass and it's my money, and it's not forever. I adore my girlfriend. Where is the line drawn in this situation, and/or does it even matter?
Hi, I was challenging a charge by procedures done by my dentist because I thought the dentist made me pay cash for procedures that could have been covered by my insurance. For example, I was charged $835 for a crown when my insurance said it should only be a copay of $195 (difference of $640). The dentist sent me a patient ledger summarizing the charges for the procedures showing that they did owe me $235. But when I compared it to the ledger they gave me back in March of this year versus the ledger they recently sent me, I noticed they added charges in there that were not in the March ledger. For example, they charged me $5.00 for an office visit for observation on 1/18/10 while in the March ledger it was indicated as a no charge visit. And there were several office visits added onto the ledger that were not on the March ledger, every charges of $5.00 each visit. There was also a gift certificate credit of $250 on the March ledger that didn't exists on the ledger they sent to me. When they were questioned on this, they said that the $250 gift certificate was taken off because I didn't complete every the treatment that the finance documentations stated and that according to my insurance plan, they are able to charge me a $5 copay for office visits. My question is is it legal for them to change patient ledgers like this. Like to not charge for a visit that after treatment is completed, then go back and decide you will charge $5 for a visit?
I want to do this every-natural. Due to finances and insurance, I still need to be at the hospital. Any ladies out there had a successful every-natural birth at the hospital? If so, did you have a doula? And how much did she help?
I am going to need a vehicle in the close future and am interested in the 2005 Infiniti G35 6MT and the 2007 Yamaha R6. I have no experience riding a motorcycle or using a stick shift. Obviously if I went with the bike, I would start off with a beginner's bike like the Kawasaki 500 Ninja and eventually upgrade to the R6. The G35 is around $15k whereas the R6 is $6k at most. I can fully afford either one without the need for financing or anything like that. But if I go with the G, the insurance is pretty expensive compared to the bike and I'll be blowing everything I have as far as money goes. If I go with the bike, insurance and maintenance is a whole lot cheaper and plus I'll be saving almost 10 grand. I adore speed and will not consider any other vehicle or motorcycle.
I've been in a long distance relationship with my partner for 2 1/2 years now. I have 2 kids form previous. Last year he proposed to me and i said yes. I've met his family and he's met mine, been on holidays, he's travelled down nearly every weekend. However, i need some honest and helpful advice please cos I'm in a heart v gut dilemma. When i met him I knew he still lived with his ex, who became his ex wife during our relationship they divorced amicably). They have no kids of their possess, but continue to live together becasue they can't sell the home (It's in negative equity). She has told me she can't afford to move out and he has told me he can't afford to pay her off. Obviously This is not what i want/we want. We want a future together, the whole shabang. I had always been led to believe by both them them, the situation they are in was purely circumstantial. Prior to me being on the scene they separated as a couple ( though still in same home), 6 years ago. Continued to socialise, have holidays etc. I was led to believe early on that she paid for the food and anything needed for the home plus home insurance. I admit I thought it odd that they didn't have a fairer arrangement with the finances. So I asked him why doesn't she pay more, ie bills, mortgage etc. He said cos it's always been this way. He said he couldn't afford to keep the home if she didn't pay towards it. I felt and still feel this isn't right. Surely if he pays the mortgage and the bills he is virtually paying for the home. So whats the issue? I accept she is entitled to part of the home, and she may not want to leave the home to rent somewhere if he is still living in it, thats her right. However someonething just doesn't feel right. Am i going mad? am I being unreasonable at every? After a row and ultimatum form me. I told him in no uncertain terms this week, as much as i adore him and want a future with him. emotionally I can only wait two more years ( when the contract on his job finishes). He has to sort things out with her financially. Otherwise it feels like nothings changed. They are divorced, though finances haven't been put in writing. It's not fair on the kids either to give untrue wish. also I don't want to be a fool. please help me I don't kno what to think or do now. x
I financed a new motorcycle about a year ago and here in NE you have 30 days from date of purchase to register and dish vehicle. Well about that same time my work responsibilities changed alot and I was in and out of town constantly and never got around to registering, plating and paying the sales tax on it. It was easy to put off because I didn't/don't have time to ride it nor is it my primary mode of transportation. Now I would just prefer to sell it as it just sits in the garage unused while I make payments and pay insurance on it. I have a coworker interested in it for the payoff amount and would like to unload it, but I'm unsure if I can do this. It would be around $1000 to receive it up to date and if it's a must pay I'll probably just keep it and make time to ride. Thanks for any info.
in ping pong ball sized dents from the hail stor 2 weeks ago. This car in financed, the bank owns it, not me. Now, im completely covered insurance wise, obviously, but i dont want to receive it fixed. For the simple fact that every they are going to do is "paintless dent repair" and i refuse. That cuases future problems to the paint... thats gunna have to arrive out of MY pocket in the long run. Ive been told my car is a write off by the car body store. Is there anyway i can just receive a pay-out and pay off the loan and sell it???
I need to find a dealership in San Antonio for either Honda, Nissan, Toyota, or Mitsubishi (preference is in that order) that offers financing WITHOUT a co signer. Yes i have parents but neither can co sign. I cant determine gross monthly income because my work schedule changes weekly, but i make roughly 600 a month (not alot of income but i dont have to pay rent or anything else except insurance), and have had my job for 20 months (2 yrs this december). im willing to put $1000 down, i dont think thats too bad, theres supposedly some good deals going around right now down here, and im 18, just need a nice stylish sedan, no truck or suv. If anyone could point me in the right direction id appreciate it.
in 2009 my brothers girlfriend let me steer her trailblazer. i know she had a loan on it from a bank. i asked if she had insurance and she said yes. so a week later i lost control in the rain. every went well gave the cops the insurance card. at the time i was a minor. so a week later i receive a call from the lady i hit saying i didnt have insurance. and she got smart with me saying i shouldnt be driving with out it. i told her im not the owning of the vehicle and the owner told me she had insurance. after that i never seen the owner again. state farm sent me a letter asking if i felt i had insurance. which i did as a part time driver on my dads truck. i sent that in. they called me and a lady starts harrasing me about sending my dads insurance in. and saying i should be handling it and not my dad. but last time i checked a minor has the legal right to have their parents represent them, also you must have full coverage on a financed vehicle. im wanting to know if i should be paying for this or the owner.
Joe gets up at 6 a.m. and fills his coffeepot with water to prepare his morning coffee. The water is clean and good because some tree-hugging liberal fought for minimum water-quality standards. With his first swallow of water, he takes his daily medication. His medications are safe to take because some stupid commie liberal fought to ensure their safety and that they work as advertised. every but $10 of his medications are paid for by his employer's medical plan because some liberal union workers fought their employers for paid medical insurance - now Joe gets it too. He prepares his morning breakfast, bacon and eggs. Joe's bacon is safe to eat because some girly-man liberal fought for laws to regulate the meat packing industry. In the morning shower, Joe reaches for his shampoo. His bottle is properly labeled with each ingredient and its amount in the total contents because some crybaby liberal fought for his right to know what he was putting on his body and how much it contained. Joe dresses, walks outside and takes a deep breath. The air he breathes is clean because some environmentalist wacko liberal fought for the laws to cease industries from polluting our air.He walks on the government-provided sidewalk to subway station for his government-subsidized ride to work. It saves him considerable money in parking and transportation fees because some fancy-pants liberal fought for affordable public transportation, which gives everyone the opportunity to be a conributor. Joe begins his work day. He has a good job with excellent pay, medical benefits, retirement, paid holidays and vacation because some lazy liberal union members fought and died for these working standards. Joe's employer pays these standards because Joe's employer doesn't want his employees to call the union.If Joe is hurt on the job or becomes unemployed, he'll receive a worker compensation or unemployment check because some stupid liberal didn't think he should lose his home because of his temporary misfortune. It is noon time and Joe needs to make a bank deposit so he can pay some bills. Joe's deposit is federally insured by the FSLIC because some godless liberal wanted to protect Joe's money from unscrupulous bankers who ruined the banking system before the Great Depression. Joe has to pay his Fannie Mae-underwritten mortgage and his below-market federal student loan because some elitist liberal decided that Joe and the government would be better off if he was educated and earned more money over his lifetime. Joe also forgets that his in addition to his federally subsidized student loans, he attended a state funded university. Joe is home from work. He plans to visit his dad this evening at his farm home in the country. He gets in his car for the steer. His car is among the safest in the world because some America-hating liberal fought for car safety standards to go along with the tax-payer funded roads. He arrives at his boyhood home. His was the third generation to live in the home financed by Farmers' Home Administration because bankers didn't want to make rural loans. The home didn't have electricity until some big-government liberal stuck his nose where it didn't belong and demanded rural electrification. He is glad to look his dad, who is now retired. His dad lives on Social Security and a union pension because some wine-drinking, cheese-eating liberal made sure he could take care of himself so Joe wouldn't have to. Joe gets back in his car for the ride home, and turns on a radio talk show. The radio host keeps saying that liberals are bad and conservatives are good. He doesn't mention that the beloved Republicans have fought against every protection and benefit Joe enjoys throughout his day. Joe agrees: "We don't need those big-government liberals ruining our lives! After every, I'm a self-made man who believes everyone should take care of themselves, just like. I have."
Question 3 – Lessee Ltd has entered into a non-cancellable lease for an asset with Lessor Ltd. The details of the lease are: • Inception of lease: 1 April 2010. • Duration of lease: five years. • Fair value of asset: $1,294,384. • Economic life of asset: 6 years, after which the estimated residual value is $210,000. • Bargain purchase option at end of lease: $280,000. • Annual payment: $350,000 (in arrears). • Annual payments include: $35,000 maintenance and insurance paid to Lessor Ltd. • Depreciation method: straight line. • Lessor’s interest rate is 12% p.a. • PVIFAn=5, i=12% = 3.6048 and PVIFn=5, i=12% = 0.5674. Required: (a)Prepare extracts relating to the lease in Lessee Ltd’s Statement of Comprehensive Income for the year ending 31 March 2011. (b)Prepare extracts relating to the lease in Lessee Ltd’s Balance Sheet as at 31 March 2011. From this can I tell if this is a operating or financing lease? And the relevant balance sheet items would be: Depreciation exp, Interest Expense, and Insurance and maintanence expense. Is this correcT?>
Well, i've just started third semester of bachelor in finance. The thing is that since the very start i didn't even liked it. It doesn't motivates me at every, ALL of the classes i'm in make me sick, i HATE it!!! I REALLY do! I can't stand being there any longer! My REAL passion is music and i want to become an excellent audio engineer or an excellent musician. I want to have my possess recording studio, i want to be self employed and do the things i adore the most! That's what i really want to do I DO NOT WANT TO WORK AT A BANK OR AN INSURANCE COMPANY OR WHATEVER THE JOB FIELD OFFERS FOR A BACHELOR IN FINANCE! The problem is that i'm afraid telling my parents that i want to drop out of college, but i dont want to spend the relax of my life being unhappy with a job i HATE. I'm really afraid. I'm only 20. Please someone help me out!! I'm silent desperate! :S:S it's been months since i've been feeling like this! Thanks a LOT!
Okay, im just gonna be open with u guys im buying this car for $15000 ive got a saving of $30000 should i pay the car cash or receive a 5 years personal loan? problem is the car is imported and its kindda difficult to receive a finance without insurance and its difficult to receive an insurance for an imported car things ive got to considerate aswell is my earning is probs around $3000/month and im planning hopefully to buy a home in the next 1 or 2 years please help meee
http://archives.clintonpresidentialcenter.org/?u=102397-vp-announces-record-homeownership-level.htm http://www.nytimes.com/1999/09/30/business/fannie-mae-eases-credit-to-aid-mortgage-lending.html http://www.presidency.ucsb.edu/ws/index.php?pid=51448 Subprime Mortgage began in 1994 October 23, 1997 (From the Clinton Archives) In 1994, President Clinton, along with the National Partners in Homeownership, set a goal for the nation to achieve an every-time high homeownership rate by the year 2000. Today -- a full three years early -- the Census Bureau reported that in the third quarter of 1997 the homeownership rate climbed to its highest level ever. Here are some of the results from the Census report, as well as other housing-sector statistics: --In 1995, at the request of President Clinton, the Administration convened the National Partners in Homeownership to carry out a National Homeownership Strategy -- The Clinton Administration has clip FHA home mortgage insurance premiums four times --In 1999, below pressure from the Clinton administration, Fannie Mae, the nation's largest home mortgage underwriter, relaxed credit requirements on the loans it would purchase from other banks and lenders, hoping that easing these restrictions would result in increased loan availability for minority and low-income buyers. Putting pressure on the GSE's (Government Sponsored Enterprise) Fannie Mae and Freddie Mac, the Clinton administration looked to increase their sub-prime portfolios, including the Department of Housing and Urban Development expressing its interest in the GSE's maintaining a 50% portion of their portfolios in loans to low and moderate-income borrowers.[9] Fannie Mae Eases Credit To Aid Mortgage Lending WASHINGTON, Sept. 29, 1999 — In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders. The action, which will start as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. ***** Fannie Mae officials say they wish to make it a nationwide program by next spring. *** --BUSH REGULATORY OVERHAUL OF FANNIE/FREDDIE BLOCKED BY DEMOCRATS http://www.nytimes.com/2003/09/11/business/new-agency-proposed-to-oversee-freddie-mac-and-fannie-mae.html?pagewanted=every New Agency Proposed to Oversee Freddie Mac and Fannie Mae By STEPHEN LABATON Published: September 11, 2003 WASHINGTON, Sept. 10— The Bush administration today recommended the most significant regulatory overhaul in the housing finance industry since the savings and loan crisis a decade ago. The plan is an acknowledgment by the administration that oversight of Fannie Mae and Freddie Mac -- which together have issued more than $1.5 trillion in outstanding debt -- is broken. A report by outside investigators in July concluded that Freddie Mac manipulated its accounting to mislead investors. --Supporters of the companies said efforts to regulate the lenders tightly below those agencies might diminish their ability to finance loans for lower-income families. -- ''These two entities -- Fannie Mae and Freddie Mac -- are not facing any nice of financial crisis,'' said Representative Barney Frank of Massachusetts, the ranking Democrat on the Financial Services Committee. ''The more people exaggerate these problems, the more pressure there is on these companies, the less we will look in terms of affordable housing.'' Representative Melvin L. Watt, Democrat of North Carolina, agreed. ''I don't look much other than a shell game going on here, moving something from one agency to another and in the process weakening the bargaining power of poorer families and their ability to receive affordable housing,'' Mr. Watt said. @ Wizard.. I know the truth hurts.. but I have provided links to everything. Including the Clinton Archives ! Man up and accept the truth
Every time I go to ANY .tk website, it shows bunches of links about business. A pal tried to show me a .tk about silly animals or something but what showed up on my computer was the same as every .tk site. "_______ portal is your gateway to sites for business, travel, shopping, and more! Browse our resources or just try the search!" as the title. Then below that was Finance * Debt * Credit Card * Insurance * Investment * Tax Electronics * DVD Rental * Mobile Phones * Digital Cameras * Telephones * PDAs and crap like that! HOW DO YOU FIX IT?!
So my wife was in an accident in February, and she ended up totaling the car. She also got a citation for reckless driving at the same time. Our insurance rates didn't jump that high at the time, but now that we have financed a new car, we need full coverage insurance on it. I have been looking at quotes, and it's pretty expensive. I was wondering if anyone in a similar situation has found a good price on full coverage insurance?
Okay so I graduated grade twelve 2 school years ago ( i am 18 will be 19 in oct). I currently work at a dental office doing reception and lab work, i have worked here for almost 2 years. my bosses are amazing (lent me 2500$ for a downpayment for a car, that i pay back by coming in a half hour early everyday for liek a year lol, bought me my first car, always help out etc. ) I make enough money to be financing a 10,000$ car, live on my possess(rent, hydro), have 2 pets, phone bill, insurance etc.. and I will continue to receive raises (right now making 13 an hour and it will continue to go up [ other girl makes 17 , and other one makes 18 right now ] ). I also do everything that the CERTIFIED lab techinician and receptionist do but i just dont have the degree.. every of my friends have gone off to university and college and i feel obligated like i should be doing it too as this is my second year off after highschool! When i got out of highschool i had good grades, i just had no idea what i wanted to do with my life.. so i didnt apply or anything, i got this job through coop and ive known my bosses since i was 5. I just feel so guilty that i have NO desire what so ever to go to college or university, and i dont know if it is the right choice or not. My parents are not around to help me out with these problems either, hence why i am asking on here. what do you think i should do? do you think i should feel obligated to go, or guilty that i am not ? or am i doing the right thing.
I am considering joining the air force. I live in Houston, Texas... which some say has been virtually untouched by the economic downfall. Well I beg to differ. It is still difficult. I have been unemployed since December of 2009. The problem is not that I cannot do the work, it is that there are so many individuals competing for the same jobs I am, and will work for less because they do not have a family to take care of. I did my finances, and the bare minimum that I can work for and survive from is what I am asking for in pay. I did find a job, but it is a sales job as an insurance agent and 100% commission without any subsidy to aid in marketing. So how do I do it? I don't! I can't pay for leads with money I don't have, and sacrifice my daughters meals to pay for leads that don't buy anyways because they refuse to meet with me, only want quotes over the phone, and frankly, Farmers insurance is expensive. So no one wants it! If I sit down with individuals I always sell, because I tutor them the importance of good products versus cheap ones. But that has been twice, and I have made a total of $549.00 from it in a matter of 2.5 months. What did it cost me? A lot. I just don't have the resources to invest money into this career, in order to look a turn around. I feel that I have been scarred from it every. My husband barely makes enough to support the household, and if I don't have funds then I will lose my vehicle and really be screwed. I graduate with my bachelors the end of next spring. I am considering trying to live off of my husbands income, paying my college with my loans, and paying my vehicle with that as well. Once I graduate, I may be able to enter the air force as an officer and support my family. However, if I am unable to enter as an officer due to space, I will look a $1000 a month less than as an officer, which could be difficult. Free housing, free healthcare, and cheaper groceries though. I have always been the type to day dream about "killing commies" if we ever got invaded, and I play Fallout when I can.... So I have "it" in me, but I also feel as if I would be doing this out of desperation. Only because my chances of deploying are so high, and frankly, that scares me. If I did not have a chance of deploying, I would not hesitate. Because I adore my daughter so much, and the idea of leaving her and missing part of her life tears me up. Not to mention, if I die, she would not have a mom. And I don't want that to happen to her. But the security of having guaranteed income and a home is nice. So I am not sure what to do. I would not join until February anyway, which I graduate the end of Spring which would be perfect time to enter as an officer... and if unable to enter as an officer, at least I would start as an E-3. Not sure what to do.... just asking people to help clear my head and maybe shine some light in so I can make a good decision. PS.... When I graduate with my Bachelors, it does not mean I will receive a job. I know many people with bachelors degrees that have been unemployed for a long time. My brother in-law just graduated with a bachelors in May and he still has not found work. So I cannot rely on that in May of next year. I understand... I am just asking for enlightenment. Meaning, what makes it so bad and what makes it great? I need to measure the benefits vs. the risks. Personally, I would prefer that my family not starve... and it will end up happening like that if I don't create a plan soon. What makes people hate the military so much? My bachelors is in Criminal Justice/Forensic Science.
Single-payer health care is the financing of the costs of delivering universal health care for an entire population through a single insurance pool out of which costs are met. There may be many contributors to the single pool (insured persons, employers, government, etc.) Article 31 of the Iraqi Constitution, drafted by the Bush administration in 2005 and ratified by the Iraqi people, includes state-guaranteed (single payer) healthcare for life for every Iraqi citizen. Article 31 reads: "First: Every citizen has the right to health care. The State shall maintain public health and provide the means of prevention and treatment by building different types of hospitals and health institutions. If it's so Terrible, Why would they support it there but not here?
http://archives.clintonpresidentialcenter.org/?u=102397-vp-announces-record-homeownership-level.htm http://www.nytimes.com/1999/09/30/business/fannie-mae-eases-credit-to-aid-mortgage-lending.html http://www.presidency.ucsb.edu/ws/index.php?pid=51448 Subprime Mortgage began in 1994 October 23, 1997 (From the Clinton Archives) In 1994, President Clinton, along with the National Partners in Homeownership, set a goal for the nation to achieve an every-time high homeownership rate by the year 2000. Today -- a full three years early -- the Census Bureau reported that in the third quarter of 1997 the homeownership rate climbed to its highest level ever. Here are some of the results from the Census report, as well as other housing-sector statistics: --In 1995, at the request of President Clinton, the Administration convened the National Partners in Homeownership to carry out a National Homeownership Strategy -- The Clinton Administration has clip FHA home mortgage insurance premiums four times --In 1999, below pressure from the Clinton administration, Fannie Mae, the nation's largest home mortgage underwriter, relaxed credit requirements on the loans it would purchase from other banks and lenders, hoping that easing these restrictions would result in increased loan availability for minority and low-income buyers. Putting pressure on the GSE's (Government Sponsored Enterprise) Fannie Mae and Freddie Mac, the Clinton administration looked to increase their sub-prime portfolios, including the Department of Housing and Urban Development expressing its interest in the GSE's maintaining a 50% portion of their portfolios in loans to low and moderate-income borrowers.[9] Fannie Mae Eases Credit To Aid Mortgage Lending WASHINGTON, Sept. 29, 1999 — In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders. The action, which will start as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. ***** Fannie Mae officials say they wish to make it a nationwide program by next spring. *** --BUSH REGULATORY OVERHAUL OF FANNIE/FREDDIE BLOCKED BY DEMOCRATS http://www.nytimes.com/2003/09/11/business/new-agency-proposed-to-oversee-freddie-mac-and-fannie-mae.html?pagewanted=every New Agency Proposed to Oversee Freddie Mac and Fannie Mae By STEPHEN LABATON Published: September 11, 2003 WASHINGTON, Sept. 10— The Bush administration today recommended the most significant regulatory overhaul in the housing finance industry since the savings and loan crisis a decade ago. The plan is an acknowledgment by the administration that oversight of Fannie Mae and Freddie Mac -- which together have issued more than $1.5 trillion in outstanding debt -- is broken. A report by outside investigators in July concluded that Freddie Mac manipulated its accounting to mislead investors. Democrats BLOCKED every attempts in Subcommittee --Supporters of the companies (Fannie/Freddie) said efforts to regulate the lenders tightly below those agencies might diminish their ability to finance loans for lower-income families. -- ''These two entities -- Fannie Mae and Freddie Mac -- are not facing any nice of financial crisis,'' said Representative Barney Frank of Massachusetts, the ranking Democrat on the Financial Services Committee. ''The more people exaggerate these problems, the more pressure there is on these companies, the less we will look in terms of affordable housing.'' Representative Melvin L. Watt, Democrat of North Carolina, agreed. ''I don't look much other than a shell game going on here, moving something from one agency to another and in the process weakening the bargaining power of poorer families and their ability to receive affordable housing,'' Mr. Watt said. You have either NOT read the over facts, or have chosen to ignore them. However, you are proving my point to perfection.
I am married with a three year old. Unfortunately, my husband does not take our finances seriously. We are always close to being short of money for each month. I can't keep, buy clothes, buy new furniture, and go out to a movie and dinner with my friends. He doesn't understand that I resent the fact that 1) he doesn't pay his half of the rent 2) takes expensive trips back to the Philippians without leaving money to cover household expenses 3) complains about how he doesn't have money for the few things that I have asked him to buy (food, laundry). I really want him to receive serious about how broke we are and why this is a bad situation. The only good thing is he does pay for everyones health insurance. I have asked him repeatedly to receive a second job. Then he turns the argument around and tells me that I should receive a better job. My salary would be good if he would just pay the $600.00 for rent. I am feeling mad and resentful and want to end our marriage but I want to give a few more tries. How do I tell him?
And without insurance no financing unless, of course, it is paid for in cash by the Taliban.
Passing stimulus, generating jobs. On February 17, 2009, Obama signed the $787 billion stimulus bill into law. In December 2009, the nonpartisan Congressional Budget Office issued a report estimating that "in the third quarter of calendar year 2009, an additional 600,000 to 1.6 million people were employed in the United States" due to that legislation. According to the White home Council of Economic Advisers, CBO has increased its estimate to 800,000 to 2.4 million additional employed through the fourth quarter of that year. Moreover, a November 20, 2009, New York Times article reported that the "consensus" among "dispassionate analysts" is that "the stimulus package, messy as it is, is working," citing nonpartisan analyses of gross domestic product and total employment figures by several companies specializing in economic forecasting. Further, a January 25 USA Today article stated that, according to its "quarterly survey of 50 economists," "[u]nemployment would have hit 10.8% -- higher than December's 10% rate -- without Obama's $787 billion stimulus program," adding, "The difference would translate into another 1.2 million lost jobs." Eliminating wasteful spending. Obama was able to achieve some significant cuts to wasteful spending -- most notably, the elimination of the F-22 fighter jet program after he successfully lobbied the Senate to vote to strip out financing for more jets from a defense funding authorization bill. The Washington Times reported on January 14 that Obama won "60 percent of his proposed cuts" and also managed "to receive Congress to ax several programs that had bedeviled President George W. Bush for years." Sotomayor nomination. On May 26, 2009, Obama nominated Sonia Sotomayor to the Supreme Court to replace the retiring Justice David Souter. She was confirmed by the Senate on August 6, 2009, and sworn in August 8, making her the first Hispanic justice, and only the third lady, on the court. Lilly Ledbetter Fair Pay Act. The first bill President Obama signed into law, on January 29, 2009, was the Lilly Ledbetter Fair Pay Act, which expands the rights of workers to sue employers over wage discrimination claims. SCHIP expansion. On February 5, 2009, Obama signed a bill expanding the State kids's Health Insurance Program (SCHIP) to cover 4 million more lower-income kids. Public lands bill. On March 30, Obama signed an omnibus public lands bill, which The New York Times reported "allows for 2 million more acres to be declared wilderness... [with] more than 1,000 miles designated as scenic rivers, and adds land for national trails." Credit card reform. On May 21, 2009, Obama signed into law a bill providing what USA Today called the "most sweeping changes to the credit card industry in 40 years," adding restrictions on interest rate increases and fees and restricting the marketing of credit cards to college students. Transparency. The Washington Post reported that moves by the Obama administration to improve government transparency "included a ban on lobbyist gifts; restrictions on the hiring of lobbyists; publication of White home visitor logs and other records; and a move to bar lobbyists from serving on advisory boards." A report by Common Cause, Democracy 21, the League of Women Voters, and U.S. PIRG stated that: "The cumulative effect of the Administration's actions has been to adopt the strongest and most comprehensive lobbying, ethics and transparency rules and policies ever established by an Administration to govern its possess activities." Tobacco regulation. On June 22, 2009, Obama signed the Family Smoking Prevention and Tobacco Control Act, which, for the first time, gave the U.S. Food & Drug Administration the authority to regulate the manufacturing, marketing, and sale of tobacco. National service. On April 21, 2009, Obama signed the Edward M. Kennedy Serve America Act, which expands the scope of AmeriCorps and provides opportunities for young people and senior citizens to join in service programs. Opie who is that photo? So so so cute!
My dad has a store (car body business) that caught on flame due to an employee's accident. Not every of the store burned down but a good portion of the store burned so he could not assume work for about 3months and counting to this day. The insurance company that covers such accidents only paid him a tiny fraction of the losses- which is supposed to include every property that was lost from the flame (computer, equipment, structural damage) plus atleast 3 months of loss of income which adds up to quite a bit. He recently received a letter saying that the very meager claims payment he received is every he will receive. I'm not sure by detail exactly why it happened this way but how do we battle this case? Should we hire a lawyer? What can he do? This is ruining his finances. please help!
I am asking because I have asked a similar question before on peoples opinions on whether or not its a good idea to have kids while in college. Most everyone said college first, BUT I want to know why. here is my stand point. My husband and I are set up for a child with housing, finances, jobs, insurance, ect. BUT the only thing is we are in college. How does college differ from a job though? Women will ( well some will) continue working after they have a child, so why is it such a negative response to have a child( and I mean not just have a child, but people who are married & ready for it) while in college? I am not looking for an rude remarks here.
Hi, My cousin is sixteen, and her mom (my aunt and sister of the aunt in question) died of bone marrow cancer in 1994 almost a few months after she was born. They placed her money in a trust fund but has now after sixteen years dropped back to the initial investment of $3000. My family is lower class or lower-middle class family with a few who hold associate's degrees but mostly are deputy sheriffs, mechanics, factory workers, etc. When i heard this last month because they were talking about my grandfather's inheritance she was about to receive which would be another $2500 for her, i almost freaked out on her, the aunt. The problem is she, for some reason unknown, will not be receiving either money until she is 21. So she has lost money on her investment because of inflation and is unable to do what she wants with it, i remembered information about annuities and insurance bonds when i was getting my associate's in business administration. i couldn't put my finger on it at the time because the two always got me confused, but now that i am in the swing of things pursuing my bachelor's in finance, it came back to me. So the question is what do i suggest to her or my aunt in regards to an investment for her rather than their good intentions gone bad trust fund? honestly i feel as if the aunt plays around with her money sometimes but there is no proving it. being 30 now i look i need to help my cousin who is pregnant nonetheless and will definitely need the best return on her money. Any ideas? Any span will be reported as abuse...