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bought home in 2007 for 135,000.Balance on mortgage 104,000.I had major surgery and have been out of work for 3 yrs going to college now...hubby has good credit...has been on same job for 12 yrs.our fixed rate is 5.7 our our payment is 622 not including insurance and taxes..It is extremely difficult to make this payment..Would it be wise to re fiance at this time.with the record low interest rates..We deal with Bank of America...Thanks in advance

Im a 21 year old male and im interested in buying my first motorcycle soon. I was looking for a used 2008-2010 kawasaki ninja250. From the dealers ive looked up here in chicago, it will run me around $3000. I want to buy it soon as ive been told they are cheaper in the winter but i dont have every the money in hand yet. Right now i have about half ($1500) which i would like to put down as my down payment and finance the relax. Also i dont have much credit so i was going to receive my dad to cosign it. I would easily be able to pay off the bike (along with purchasing every my gear, safety courses, insurance, etc) by june or july. My only concern is would a dealer allow me to do this? I also want to try to avoid heavy interest.

I work at the baseball park april - september seasonal job, and during the off-season I work at the gym which isnt great pay. I make the "big bucks" at the baseball park, seasonally. As a server, I walk out with $60-180/ each night in tips. And a tiny 100 dollar paycheck every week I work. I work an average of 15 days out of those 6 months Average 1,000/month I work at the ball park At the gym, I make about 550 a month. I attend community college, and I receive financial aid also every semester. That would help. I need to pay for my possess gas , cellphone (80 dollars a month), and help with what I can (usually 300 dollars) at my home for bills. and my car insurance. Im looking at a 17,000 dollar car Can I afford this without going crazy? Am I ready for this commitment? It will probably be a payment for 3 years, so about 4 to 500 every month JUST for my car!!!!? HELP PLEASE! What Should I do?? I obviously report my taxes. and you are so right, good advice on everything else!

I possess equipment for my business, does that mean my husband gets things of mine like that? I don't understand how this works... And for the wedding, he suggested I pay for the wedding and he pays for the downpayment... did he do that so that I would have to pay him back the downpayment but I lose on what I put in for the wedding upon divorce? I mean, I'm not expecting money back for that but I wonder if legally he would be getting money from me for that downpayment on the home... He also tried his darndest to keep me off his insurance. the lawyer I just talked to said it is easier with us not on eachother's insurance. Honestly he never moved hardly anything in and in an argument he told me it was so he could leave easily. Was he talking to someone that was telling him ways I'd be screwed over if the marriage failed? This every seems so weird how he always kept things separate... is this why? Him wanting to be so separate (and not just with finances) is why we were fighting, it was like he was living a separate life, never coming home to me etc.

I possess equipment for my business, does that mean my husband gets things of mine like that? I don't understand how this works... And for the wedding, he suggested I pay for the wedding and he pays for the downpayment... did he do that so that I would have to pay him back the downpayment but I lose on what I put in for the wedding? He also tried his darndest to keep me off his insurance. the lawyer I just talked to said it is easier with us not on eachother's insurance. Honestly he never moved hardly anything in and in an argument he told me it was so he could leave easily. Was he talking to someone that was telling him ways I'd be screwed over if the marriage failed? This every seems so weird how he always kept things separate... is this why? Him wanting to be so separate (and not just with finances) is why we were fighting, it was like he was living a separate life, never coming home to me etc. The only thing he would want of mine is my engagement ring and wedding ring... we have nothing together... his parent's bought us appliances. I don't want them, I'd think it'd help sell the home though. I want nothing of his, I wish he doesn't want anything of mine. I have bought everything of mine by myself. I have also never received any extra expensive gift but if he wanted any of that back he could have it. But does anyone think the downpayment thing was a set up? We were going to do halves on the wedding and downpayment... but then he suggested I pay for the wedding (which cost more than the home downpayment) and that he pay for the home downpayment. The attorney asked me if we have any equity in the home and asked me about this, I still don't know how it every works. I just don't want to be screwed... am I?

A city government has approved the construction of a $800 million sports arena. Up to $480 million will be raised by selling bonds that pay simple interest at a rate of 3% annually. The remaining amount (up to $640 million) will be obtained by borrowing money from an insurance company at a simple interest rate of 8%. Determine whether the arena can be financed so that the annual interest is $55 million. (If it is not possible, enter NONE for each answer.) million in bonds and borrow $ =? million= ?

A car rear ended me about 3 weeks ago. By the state law it was the other driver fault. But my insurance company went ahead and totaled out my car. At the time of the accident the other driver said he had insurance but couldn't provide proof of insurance. So my insurance company paid off the value of my car which was about $8000, but the loan on the car was about $13000. That leaves me with about $5000 to pay off. Now I am left with that to pay off and no car. I was wondering if the same finance company will finance me for another car even though I still have owe them? I am willing to still pay the $5000 but I need another car now! What can I do? And also I was never tardy with my payments.

so im doing a paper in careers in my high school class about Brokerage representatives. this is a part below securities & investments right? are every of these just different types of brokerage's?a bill-and-note broker, a commercial or merchandise broker, insurance broker, real estate broker, and a stockbroker.. Thanks if anyone can help (:

43 year old 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 the 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 contributor. 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 checks because some stupid liberal didn't think he should lose his home because of his temporary misfortune. It is noontime 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 in addition to his federally subsidized student loans, he attended a state funded university. Joe is home from work. He plans to visit his elderly 75 year old 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 taxpayer 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 conservatives 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."

Good evening, I'm having a dilema with a car dealership I just bought a 2008 Cobalt that I adore but now thinking of taking the car back. I live in St. Louis, MO and I just got the car Wednesday morning the dealer accidentally placed 1796.00 in my account which was my down payment for the car. I paid the dealership back the 1796 however not realizing I owe an additional 1796.00 since I was paying them money they put into my account in the first place. After figuring out my finances and that they were not wrong to charge me 1796 again (I had to sit and think about this for awhile after arguing with them that I should only owe it once and them agreeing with me only to realize at 12AM) I'm left with a car that I shouldn't have gotten in the first place. My first question is since I only had the car for 2 days can I still return it and 2. Is it wrong of me to return it? I loveeee the car, I adore the way it rides, the interior, exterior, etc. however me not thinking about the fact I had to pay them back twice has put me in a bind since I was counting money i didn't have. They are a very reputable dealership so it's not that I don't trust their ethics but in the end I'm paying more on the car note and the insurance than I am for rent and I don't want to struggle in paying bills for the car. Does anyone have suggestions or advice on how YOU would handle this situation? I believe I've made up my mind to take the car back but it's back to the drawing board and my Honda is on it's last leg, I was thinking of sticking with the same dealership and getting something more affordable or a buy here/pay here place but those aren't as highly recommended. I'm just needing some car advice since I'm ignorant on cars. Thanks I actually don't have buyer's remorse cause I more or less figured what I was getting into but it was my fault for not going by my original calculations and calculating money that I technically didn't possess. As for the return policy I did read my contract and it does state there is no cooling down period however you never know what they'll do for you till they ask. Hopefully every turns well for the situation in whole cause man.. this sucks lol.

I was hit by a red light runner last month, leaving my car totaled. Being that this happened over the winter holiday it took a few weeks to receive every the proper information and to hire an attorney. The other driver was clearly at fault but because everyone involved in the accident was rushed to the E.R. no one was found at fault at the scene. Since the other driver and his insurance company have refused to accept liability we have now filed a law suit and are waiting to hear back. As a student who does not have enough income to rent/finance a new form of transportation this whole thing has left me very anxious and clueless as to what to do. I have heard that this process may take anywhere from months to years. So, I am wondering if anyone can help me receive a better understanding of how long this process usually takes in a case such as mine. I have been borrowing different family member's cars to receive to and from school/work(two jobs). However I don't know how long I will be able to keep up with it every without my possess vehicle. I am not sure if I need to start saving as much as I can in hopes of buying a crappy used car for the time being(hoping it will last a few months without needing repair) Or if I need to try to take out some nice of loan to receive into a more reliable car that will last years? Any advice/personal experience is greatly appreciated being as I have never been in an accident this major and have NO IDEA what to do! Thank you!!! Forgot to mention I only have liability..

ok im 16 and i am currently financing a 2010 camaro ;) (in moms name but its mine im paying) okay here are my options for first jobs 1) lawn care company. 11.25 an hour. (hardwork and bad hours) 3-8 2)dish washer at restraunt 8.50 an hour 2-6 3)bowling alley lane cleaner- 8.00 an hr 2-7 easy work. during summer i travel for baseball but every the bosses are chilly. uhm extra info im 6'2 200 pounds male car payment and insurance total a month is 450

Hey guys! I make 17 an hour so in turn I make about a grand every two weeks. I want to finance an 05 Mustang GT for 12000-13000 I want to make a down payment of 1000. (Saving the relax as a way to pay the loan of faster to build credit.) Insurance is low considering my age $130. My rent including my utilities is 550. I don't have much of a credit history besides a credit card I buy little things as in a pack of gum or soda and pay it off right when I receive home. I do have a co-signer that is willing. What is your input? Should I go for it or no? Also guys I have an 09 Corolla S as a back up vehicle I plan on giving to my mom later on, and I will be selling her Camry SE and using the money from that down the road to pay off the loan.

I am 19 and I am living with my mom and my step dad . I possess a property and I rent it out . I pay every of my expenses ( phone , cloth , food , electric , insurance , etc. ) with my rent . I don't have job and not any saving for my college . Am I eligable for Financial aid ? sorry forgot to mention my mom is housewife and my step dad wouldn't pay a penny for my college , I have to provide everything for myself . I'm nice of independent but not 100 percent . I only live below roof without paying rent but I pay my share for electric and water bills ...

http://finance.yahoo.com/news/health-insurance-deductibles-doubled-7-165602963.html I think that's silly. Mine doubled the last year I had it. I was paying more to be in a position where I couldn't afford my co-pays than I was paying in rent. I think we are overdue for socialized medicine, and screw keeping the war mongers wealthy. If you don't receive it, ask yourself (1)How much are we spending on staying in wars that could be spent at home, and (2) Who is making money off that spending...

Hi! I'm a college sophomore. I'm looking for an internship in the business/accounting/finance industry. However, the euphoria of working for a big company while shadowing the shakers and movers quickly wore off when I did some searches on the web. Everything is "sales manager", "marketing executive" blah blah blah. every are fancy words for "telemarketer" and "door-to-door sales". I don't want to call people on the phone and wish they're in dire need of life insurance, or try and sell stocks, or anything like that. These are just scams to receive free labor. The company gets the sales, and I receive to waste my time telemarketing, which I can do for a salary at a job that doesn't disguise itself as a business internship. Where can I find a REAL learning experience where I can shadow, say the accounts receivable department? Or, maybe the internal auditor? Or, a financial planner? Thanks for your time!

The budget director of Dollie Inc., with the help of the finance department, has compiled the following information for use in creating the budgeted income statement for January 20xx: a. Estimated sales for January Luxury dollhouse: 2,000 units at $200 per unit Standard dollhouse: 3,500 units at $150 per unit b. Estimated inventories at January 1 Direct materialsFinished products Plastic: 400 poundsLuxury dollhouse: 200 units at $98 per unit Wood: 1,000 poundsStandard dollhouse: 300 units at $70 per unit c. Desired inventories at January 31 Direct materialsFinished products Plastic: 740 poundsLuxury dollhouse: 170 units at $100 per unit Wood: 980 poundsStandard dollhouse: 260 units at $73 per unit d. Direct materials used in production To manufacture Luxury dollhouse: Plastic: 0.8 pounds per unit of product Wood: 2 pounds per unit of product To manufacture Standard dollhouse: Plastic: 0.6 pounds per unit of product Wood: 1.5 pounds per unit of product e. Anticipated cost of purchases and beginning and ending inventory of direct materials Plastic: $5 per pound Wood: $7 per pound f. Direct labor requirements Luxury dollhouse Molding Department: 0.3 hours at $12 per hour Assembly Department: 0.5 hours at $10 per hour Standard dollhouse Molding Department: 0.2 hours at $12 per hour Assembly Department: 0.4 hours at $10 per hour g. Estimated factory overhead costs for January •Indirect factory wages: $95,000 •Depreciation of plant and equipment: $20,000 •Utilities: $14,000 •Insurance and property tax: $4,000 h. Estimated operating expenses for January •Sales salaries expense: $223,600 •Advertising expense: $127,000 •Office salaries expense: $63,800 •Depreciation expense – office equipment: $7,200 •Telephone expense – selling: $2,100 •Telephone expense – administrative: $550 •Travel expense – selling: $40,900 •Office supplies expense: $3,500 •Miscellaneous administrative expense: $4,600 i. Estimated tax rate: 30% Refer to the Course Schedule within the Syllabus for specific project deliverables and due dates. DELIVERABLES You have two deliverables for this assignment: Documents and Analysis. Documents: Using Excel, prepare a separate tab for each of the following deliverables: 1.Prepare a sales budget for January. 2.Prepare a production budget for January. 3.Prepare a direct material budget for January. 4.Prepare a direct labor budget for January. 5.Prepare a factory overhead budget for January. 6.Prepare a cost of goods sold (COGS) budget for January. WIP at the beginning of January is estimated to be $25,300 and WIP at the end of January is desired to be $26,800. 7.Prepare a selling and administrative expenses budget for January. 8.Prepare a budgeted income statement for January. Analysis: Provide a substantive analysis of Dollie’s January budgeted income statement. •What do the results indicate? •Is this budgeted amount a feasible goal? •In what areas could Dollie Inc. clip back on costs? •How will management use this budget? •Endorse the effective use of budgeting techniques in relation to solvent business practices.

Please look his email below FIVE STAR ALLIANCE HOTEL www.fivestaralliance.com officefivestaralliance@ovi.com WELCOME TO FIVE STAR ALLIANCE HOTEL Five Star Alliance Hotel is a consolidated and tourism Hotel situated in Toronto Ontario Canada and the US and branches around the world.. The management of Five Star Alliance Hotel, currently FIVE STAR ALLIANCE HOTEL, employment opportunities are available in various careers which suite various working categories job seekers have access to our new active vacancies in our Hotel here in Canada and the U.S, Any interested applicant that has up to two years working experience can apply, Applicants must be from 18 years over. Applicants can send curriculum vitae to us for immediate screening. Further information, we needs group of men and women to fill in the vacancies who can work and live in Canada . vacancies exist in the following. Car wash, Cleaning/home keeping/steward, Sales, Receptionist, Public relations, Hospitality management, Food & beverage management, Store keeper, Restaurant services, Waiters/waitresses, car engineering, Electrical & electronics specialist, graphic designer, Computer operators, Dentist, Computer engineering, Driver, Administrative secretaries/assistants, Administrative managers, Team leaders Medical doctors, Hotel nurses, Message therapist, Dental technician, Caregiver, Hairdresser/barber, Accountants, Accounting clerk, Accounts payable clerk, Accounts receivable clerk, Auditor, Finance manager, Cashier, Reservation agent, Security, Safety officer, Safety manager, Human resources coordinator, Human resources secretary, Human resources manager, Human resources assistant, cook de cuisine, Kitchen staff, Chief de partie, Cook, Guest ser.agent/front off desk clerk, Customer service, Bell- attendant, Typist, Dentist... The over are the only vacancies that we require interested applicants to occupy as soon as possible.. Salary very attractive. If you are interested in any of the jobs, kindly receive back to us before the deadline of screening. Our hotel will take care of applicant flight ticket, accommodation and feeding and support with work allow processing. Qualifications/ Requirements: Undergraduates, degree holders Diploma In Tourism, Business Administration, Industrial Engineering , Architectural, IT and Professional Training students in Management and Administration +2-3 Years working experience. Employment Benefits: competitive benefits package available such as Life insurance, vacation, hotel discounts, regular performance, evaluations, free medical, feeding and accommodation.... We have this high range of employment to applicants because we need higher qualified applicants who can be able to comply with the hotel terms and conditions. Any interested applicant should send his/her cv Immediately so as to proceed further. We assist in processing of every our newly hired & employed Applicant's work allow/visa arrangement, foreign staff would be retain & sustain here in Canada etc SEND YOUR CV TO US FOR MORE VERIFICATION AND APPROVAL Best Regard's.. Mr. Alex Williams.. Hotel Management, Five Star Alliance Canada, officefivestaralliance@ovi.com www.fivestaralliance.com

i want to receive a motorcycle but i have no idea how much the insurance will be. im 21 with a less than perfect driving record. i live in upstate ny. i don't have my license yet and so i will be very new when i finally receive my bike and i am thinking about financing, in which case sick need full coverage. if anyone could please give me a rough idea that would be fantastic! thanks in advance

what could the finance company do to me, my truck came up stolen and I had no insurance?

I’ll make this as short as possible – I got a DUI and totaled my car. I have no car right now. I applied for a restricted license and after months of waiting, I have been approved. In order to go to the DMV and obtain my license, I have to provide SR-22 (DUI) insurance. I cannot buy insurance on a car without a car. I am going to Toyota today to finance a car. I will not have my driver’s license OR restricted license because as said before, I can’t receive the restricted license without showing proof of SR-22 insurance. I WILL have a licensed driver with me. Can I finance a car without a driver’s license? I am in Southern California.

Hey guys & gals, I'll try to be short... Primary concern: Will I be financially stable? Information: 2 jobs; weekends 8-12 hours $14 /hr, weekdays 32-40 hours $25 /hr. Single, never married, no child support, student, 746 FICO, work history since 15, $5k savings. Goal: Would like to buy home in $400k range in Orange County, CA, and a car. Long term commitments; 5 year+. Plan: Buy 3 bed+ home, rent out two rooms to college buddies for $800 /room. Use $1,600 to cover mortgage, property tax, and if applicable, Mello-Roos. every excess will be applied to mortgage as well. Division of monthly income; $200 to emergency fund, $1000 to savings, $170 car insurance, $600 general expenses, $120 utilities, $200 gas, $70 cellular, $50 internet, $20 land line, $1500 new car/discretionary. *Assuming mortgage payments/housing fees will be covered by $1600 from college buddies.* Some elaboration. My parents do not know much about finances and the current economy. I don't know the CA income tax rates for single student living alone, loan rates, difference between car loan and home loan, the impact it has on my FICO, and most of every, if anything in my plan is actually feasible? Can I really buy a home with the current rates and almost live for free by renting out two rooms? Would it be better if I applied for 30 year, but applied $2000 of income and the $1600 from college mates and pay off early? Is this even allowed? How long are car loans? Should I only pick either a car or a home first, and the other another year? I've been paying rent since I was 15 and every I know is how to make the money. Now I need some guidance to be on my possess, and financially secure for the future. I'm a quick study, but need to verify what I am imagining is a practical idea, hah. I've always been rather independent, it's about time I asked for help. Can I buy a car and home with the plan over? Regards, Deranged Civility

We have a car owned by a distant relation, living in the same home. The car was below his name financed at Wells Fargo. Now he financed it again with a credit union bank and put both his and my name on it. The bank approved the loan, we signed a bunch of papers, things went thru. Yesterday they called stating they forgot to put the tax on the car. They said eventhough my relative's name is still on the car, but since he added my name to it, it is considered a sale, and that according to California DMV regulation, our relationship does not belong to a category for a tax free car transfer. They say we have to pay $1052 tax, either upfront or add it in the car equity into the finance. every of a sudden they want $1052, we are so unprepared, do not have such money to pay. It's outside of our plan and screws everything up. Now that the bank made a mistake, they approved the loan, documents signed, and because of their approval, we let go another great deal from another loan at other bank. Also, because of this problem, we also lose about $500 group car insurance discount per year(unique car insurance discount situation). What can we do to battle back with this credit union. They made a mistake not disclosing the tax to us and also did not add the tax to the signed transaction. We are really upset and want to battle back. Thank you.

I'm trying to keep money, but unfortunately my husbands tabacco smoking habit is fairly expensive. ($70.00+ a week). He doesn't plan on quitting until we have kids. However, he wants to afford insurance on a new vehicle, loan payments, a new lease on a townhouse that we've already signed for every at the same time. I take care of every of our finances. I've given up my gym membership, stopped buying my favourite cosmetics, limited our grocery spending, and have stopped letting us spend money on going to restaurants. I've also been trying to help him kick his coca cola habit which runs us up to three dollars a day. I'm stressed out. If he smokes a pack a day or 7-8 packs a week will the tub keep us money? How many cigarettes will it roll? And does anybody have any little suggestions for saving money? He's aware of how much it costs. : ( He won't make the sacrifice. I'm 22 and I have fifty or more grey hairs on my head from every this stress. The 150g tub is 53.97 +tax. It'll keep us maybe 30 dollars. Is it worth trying?

Im 20 years old and i work full time. I'm looking to receive a car on finance, I want the monthly payments to not be too high but I want a car thats better than my current one (Rover 25 1.4 103BHP). Any Ideas on a car thats good but at the same time won't kill me on insurance and monthly payments. I've been looking at the Audi A1 2012 5dr but im not sold.

I was hit from behind and my insurance company deemed my car as a total loss. They paid off the value of the car to the finance people which was about $8000. But the total of the car after it was fianace was around $14000. My monthly payments was $300 a month. I only had the car for 3 months. Will the finance people still arrive for their monthly payments? Will they be willing to finance me for another car?

I took out car finance for a car costing 5 grand, and the overall loan is 7500 grand, i've so far got the payments down to something like 6,700, and basically i'm bored of it, and want something faster/better, and theres a car thats arrive into work today, going up for 8 grand, insurance is practically the same, so thats out of the equation, the car i have now, is a 1.6 petrol, and roughly receive 35mpg, and i do a fair bit of driving, so 35mpg isn't enough, and i've been told this Seat Leon, which is a 2ltr diesel, will do 50-60mpg, which is quite good! but what can i do to be able to receive this new car? because if i trade my car in, means i'll still have a 3/4 grand, will that go ontop of the 8 grand new car? can somebody please explain to me, or am i basically stuck with this car for a bit?

Hey guys, I have been training horses for the last several years and this year, I got my insurance and started out of the barn I live at. I need some help with names, I cant think of anything. I am a dressage/jumper rider mainly and am more focusing on soft horsemanship. I have done Western Pleasure with an excellent western coach for 3 years and done so successfully, started a few horses for the discipline. This year got into reining, what I had originally bought my mare for and trained two for that.I dont have national level credential due to finances and my dressage is not where I want it yet. I have 12 years experience plus my life growing up and learning to work from a horse's level and be in their mind but I am by no means a national level amazing rider, but I have good skill from what I have heard, so I will go with it I guess.. I am doing starting and refreshers right now as well as working with a few disabled kids as a therapy thing, because I adore volunteer work and am always doing things to help out so I decided to step up when I heard about two kids. I worked with several kids with disabilities when I was young and around their age and I loved it, the appreciation they had and when they made progress. To just look that things could bring a grin to their face was amazing. Basically, I am looking for a more professional name. Maybe something dressage related or with equine in it. Im not sure. toss it out there, even if you think its lame, I would adore to hear it. Much appreciated!!

Hey guys, I have been training horses for the last several years and this year, I got my insurance and started out of the barn I live at. I need some help with names, I cant think of anything. I am a dressage/jumper rider mainly and am more focusing on soft horsemanship. I have done Western Pleasure with an excellent western coach for 3 years and done so successfully, started a few horses for the discipline. This year got into reining, what I had originally bought my mare for and trained two for that.I dont have national level credential due to finances and my dressage is not where I want it yet. I have 12 years experience plus my life growing up and learning to work from a horse's level and be in their mind but I am by no means a national level amazing rider, but I have good skill from what I have heard, so I will go with it I guess.. I am doing starting and refreshers right now as well as working with a few disabled kids as a therapy thing, because I adore volunteer work and am always doing things to help out so I decided to step up when I heard about two kids. I worked with several kids with disabilities when I was young and around their age and I loved it, the appreciation they had and when they made progress. To just look that things could bring a grin to their face was amazing. Basically, I am looking for a more professional name. Maybe something dressage related or with equine in it. Im not sure. toss it out there, even if you think its lame, I would adore to hear it. Much appreciated!! Please be serious. And no offense, nothing religious.

I made a one time mistake and was arrested for DUI in NJ. I realize every the things wrong with my choice and am getting a second job and saving up in anticipation of a conviction. My question is, if I finance my car which is co-signed by my mom...How does this affect the car in the event I lose my license? If I cannot be insured and she is a cosigner and shares insurance will the car still be insured? Can you drop one person on a policy? To add details: My mom is the Primary on the Title or may be the only one (DMV would only tell me via phone she is the Primary)...I am coping with realizing that even if a suspension is only 7 months, I'll most likely not steer for at least a year. Although I only have to notify insurance after suspension, then this allows me to keep a lot of money towards premium costs.... **I've secured a lawyer and am paying 4500 for his services

CLOSE GUANTANAMO PRISON,clip THE ENORMOUS DEFENSE BUDGET,INVEST OUR TAX MONIES IN EDUCATION.REMEMBER THAT MILLONS OF HOPEFULL AMERICANS VOTED FOR YOU FOR CHANGE.BE BRAVE MR PRESIDENT! PLEASE DO NOT CONTINUE THE MODEL THAT ONLY BENEFITED THE MILITARY INDUSTRIAL COMPLEX AND THE wealthy. THIS MODEL HAS BANKRUPTED US .WE NEED CHANGE.PLEASE PASS A LAW THAT cease CAMPAIN FINANCE .WE LIKE TO HEAR THE VOICE OF PEOPLE WITH GOODWILL .NOT THE VOICE OF THE INSURANCE COMPANIES,AND THE OTHER LOBBYNG FOR GREED . AGAIN MR PRESIDENT .PLEASE BE BRAVE!THE THE FEW wealthy WILL CONTINUE TO BE GREEDY AND OPPOSE YOU.BUT THE MILLIONS OF UNEMPLOYED AND THE RUINED MIDDLE CLASS WILL SUPPORT YOU AND REMEMBER YOU AS THE GREAT PRESIDENT THAT DID HAVE THE COURAGE TO CHANGE . THANK YOU MR PRESIDENT THE BEST TO YOU AND YOUR FAMILY

I'm debating buying full coverage insurance for my car so i'm going to make up a scenario and look what the outcome is. Let's say we have a driver with a less than perfect driving record. The state he resides in has a rule stating that if a driver has 3 or more "preventable accidents" within a 24 month period you can lose or have your license suspended to the decision of the DMV. Let's say in this scenario the driver already has 3 in this 24 month period. Hasn't gotten in any trouble as of yet and every the previous infractions were minor (speeding less than 10mph over, expired tags, etc.) Now let's say this driver goes out and finances a car and buys full coverage car insurance. Let's suppose that about 3 weeks later due to weather conditions or perhaps a deer in the road. Whatever it may be as long as it's outside the drivers control and the accident was not caused by anything reckless in nature or negligence. The driver swerves or loses control and put's the car in the ditch. He causes no damage to any property but his possess vehicle. The car is mechanically functional but physically damaged. Due to the conditions it is dangerous to keep the vehicle in it's current location being very close to home he immediately drives the car home and calls his insurance company... Fallowing this what would happen to our driver.

I have 5,000 saved up. I have a job where im bringing in money consistantly each month. I was thinking of 3 differant options: 1) Buy new car on finance over 4 years paying 200 a month. I will have no problems with it, no buying parts etc 2) Buy a car thats 6 months old say a 2011. And receive finance that would be cheaper. 3) Buy second hand car with my money i have saved up and maybe receive problems with it ? My parents are going to pay for my insurance. What should i do ?

Felice bought a duplex apartment at a cost of $225,000. Her mortgage payments on the property are $1,390 per month. Her real estate taxes total $1,692 per year, and insurance costs $1,392 per year. She estimates that she will spend $1,068 each year per apartment for maintenance, replacing appliances, and other costs. The tenants will pay for every utilities. Ignore income taxes, changes in equity value, and changes in property value. What monthly rent must she charge for each apartment to break even?

I know many of us have dealt with this timeless question, but I've still never found that perfect answer... I'm in my early 30''s, work in finance, and found out within a couple years of entering this field (that I fought so difficult to receive into) that this type of work is like a trap. I made the move into finance once I knew I was having my first kid. I needed a stable and good paying career, and for those reasons I entered finance. I work as a bank analyst now, in an office, and I'm good at what I do, even if there's not much enjoyment or satisfaction in it. There's not much room to move up either, and even if there was I don't want to 'change things up' by 'doing a different version of the same nice of 'soul sucking work'. Many know what I mean by this - you need the job for the pay that supports your family with money and health insurance, without it you would struggle. Many don't have a job right now, and I sympathize in my rants, but the issue still remains. The job itself is a lifeless eight to ten hours a day sitting in front of a computer, doing some unsatisfyng work then passing the free time by browsing the internet until you can't take it anymore. Certainly not a bad deal, I know, but doing the same dull, uninspiring, unsatisfying thing every day, over and over and over, leaving you in a semi-worthless state for the few evening hours you have before you've gotta receive to bed to do it every over again. It becomes a slow form of psychological torment, dulling and depressing you slowly, one day at a time, so slow you don't even notice it until something snaps you out of it and you cease and think. Yet, if I quit, it would be difficult to receive another job in the field. Now is not a good time to try and change careers either, and if I did I would have to take a big paycut because I'd be starting new at something else, and I also worry that what if that something else ultimately leaves me feeling the same way (doing the same thing over and over for 40 hours a week seems like it would end in the same feeling). I'm every for risk and adventure, but with kids to provide for, Its tough to justify taking a chance on gambling our means of support for an increase in my personal happiness in this life. So its like being stuck. But on the other hand, it's like this: What if you do only receive one shot at this life? Or what if you believe in reincarnation, or something, and you had to live through thousands of lives in order to achieve this beautiful existence as a human? One day, you will reach the end of it, and look back on your life. I fear thinking 'This is what you did with it? Spent a majority of your time sitting in a room doing nothing you like, waiting for your days to end, just for some nice of security?' Thats the part that gets me, too. Waiting for a dull, unrewarding work day to end. Time flies by now that Im in my 30's, and I think sometimes that its even sped up by the fact that many of us are waiting for the workday to end. Waiting for one day to end, then another, seems like we just work into this groove of waiting for it to end - like we are just waiting out our lives instead of experiencing them to the fullest. Thats a scary thought. I just saw a guy retire from my office. He did this for like 40 years, now he's very old. I put myself in his shoes, and I'm sure he had a good life, but the thought of doing this for another 30+ years terrifies me. Thoughts?

long story short... my car cost 7000 to fix and i dont have any insurance. i want to have the finance company to receive the car.what happens once they receive it? will i have to pay off the loan or just pay for the damages done?

My gum on my right side where my wisdom tooth should be has been really sore. I felt on both sides and I have a tooth further back on the right side so I guess that means my wisdom tooth has came in there. Well now there are these two sores in that area (which are really painful and sting) and it's causing pain in my jaw as well. I don't have dental insurance and I only want to go to the dentist if I have to, my budget can't really finance dental care at the moment. Does it sound like Pericoronitis?

this is inmoral that I as a college student can't find a job or receive health insurance yet we every pay taxes to finance cruel wars.

well I'm going to wait about two months and my parents are going to finance a car and let me steer their vehicle. anyhow. will insurance be a little lower because I won't have a vehicle of my possess? and what is the biggest amount insurance can jump. does it depend on their policy? sorry to sound dumb I'm 16 and I'm not sure how this works. lol.

My grandmother is in an assisted living home but needs to be in a nursing home. She has declining health and her insurance is very limited. Her doctor informed my mom that she'll need to pay for her to live in a nursing home because of ORS 109.010 - the legal obligation for a child to take care of the parent. My mom does not have any money to do this and this would bankrupt her. She's panicing and has now started into a depression due to the extreme stress of this situation. She was hit difficult by the recession and barely has any money saved for retirement even though she's only about 15 years from it. She's been doing every she can for my grandmother for years and is hurting financially from it. How can the state take away everything from my mom to take care of my grandmother, who could never take care of herself and her possess finances. Is there anything we can do?

Hey guys i recently tried to take something out on finance and got it rejected, no idea why , never made a tardy payment, i have a mobile phone contract and make monthly payments to quite a few companies, been doing so for 3 years , just wondering if this applies when taking out monthly car insurance ? which is something i plan to do..thanks

I'm 18 and living with my parents down here in SC. I'm currently employed as an EMT and i bring in about 2k a month after taxes. I have no expenses, except for a $225.12 car payment. I'd like to buy a motorcycle but unfortunately I have a massive speeding ticket from when I first got my license. This makes financing a motorcycle impossible due for the need of of comprehensive and collision making my insurance rates $900 a month. Now what I'm asking is could I take out a personal loan to pay for this? If I did would the bank make me have the comprehensive and collision? If I could do this I would only receive the basic insurance which would be $350 for 6 months. Thanks in advanced.

Basically im about to graduate this summer from Finance degree, then i will probably do an internship for 1-3 months and i would be free for 8-10 months in between of my internship and starting my masters degree. i want to earn money but also be unemployed so i could so a few part time courses. what can i do to earn money ? example commission based. im thinking of doing: club promoting(already started) make around £100 tutoring £80 unemployment £60 thats around £240 a week, it wont be enough if i want to pay for my car insurance, car loan, petrol, going out money and moving out. what else can i do that wont tie me down, something where i pick the hours.

My 2000 Freightliner FL-70 just took a turn for the worst. Does anyone know of any Los Angeles area truck repair financing programs or shops that offer financing? I just had two tappets put in on my #6 cylinder and they wore out in three days. It was major work, but now I assume it is something else causing this wearing. Worst of every, I just got it not long ago, and spent a grand on registration, another on insurance and not to mention the six grand on the used truck itself. Bad injector at first, then I drove it home like that and the problems really began.

Services are tomorrow, and Saturday. My sister and I do not, and never have known how much money my mom had, how much her life insurance policy was, what she received for the sale of a home in 2005. My brother and I today nice of touched on the subject today.Do my sister and I have to accept HIS WORD (the amounts, my mom's bank account, etc.) or do my sister and I (that know nothing about her finances, only my brother does) HAVE THE LEGAL RIGHT to visually look the records for ourselves?

When my hubby died last year we had a credit score of almost 800. Just him dying shot it down to 690 (I know 690 is still good, but I didn't do anything wrong to lose 100 points. So now I am just pissed at the FICO system and I nice of object to it now). He left me with no insurance. My income is about 1/3 of what it would have been together. The problem is he left me with every this debt, only I have less income to pay it off with. Im only 26, In college (free for me as a vet) and I am basically only going to go to college to buy time because IDK what I want to do when I graduate. I live on a teeny bit of Social Security for widows and orphans (we have 2 kids) and a teeny bit of rent from the mobile home I rent out (on land I inherited free and clear). the debt is about half my income now and that is only for a year because I told my creditors to reduce my payments because now that my hubby is gone I cannot afford to live. So they reduced everything to 3% interest for A YEAR and split the payments to almost half. when the year is up than I suppose the debt would be 3/4 my income. I could call to renew it another year they said. ITs not fair because I already paid off my half of the debt (my tardy husband and I were nice of taking turns as far as being the breadwinner) and then he goes and dies when it is his turn! (I mean on top of just the grief and missing him) The debt is a personal loan from improving our land and also credit card debt (also to improve the land but we were about to refi to lower interest home equity but since he died I no longer qualify for the refi -__- just when I need it the most) and the car I had to refi that to keep monthly debt so I have 7 years on it. I couldnt sell it because it was upside down, believe me I tried. Nothing will sell. Not even my property for what its worth because of the stupid recession (Which I think gave my hubby the heart attack in the first place) Anyways I reconnected with an old (veteran) colleague on facebook and we hit it off romantically and its pretty obvious that he wants to marry me. But I don't want to swamp him with my debts. I know how that feels and it sucks! He has no debt. Although having the income high enough to qualify to for the home equity would be nice for me. Gah. DO we have to wait the 7 years for it every to be paid off to be fair? This will be difficult as I will not cohabitate with someone I am not married to, Especially with my girls. THis is not how I planned to lift them. They were supposed to look a loving husband and wife. Not shacking up. SO I won't be doing that either. Im just so pissed about my finances right now. I wasn't the money manager in my family so I am super stressed out. He says my debts are fine and I can pay them off but I really dont want to look my interest rates climb from the temporarily low ones as they are now. I don't think he fully grasps the severity when he says it will be OK so cavelierly. How is it going to be OK? What am I supposed to do for the future of my relationship with my boyfreind? I want to do right by him. I wouldn't wish this feeling on him (or anyone I know). Yes! I wanted a prenup but he thinks that is offensive. I told him that it protects him more than me (I do want the land to go to my girls one day though [or its profits] as opposed to any future kids) Ed. I like to be married. I do not like to be widowed. It blows. My tardy husband would not have wanted this for me. I am to emotionally exhausted to start getting to know someone from square one. Which is why my new boyfriend is an old freind. He doesn't mind that I don't want to start over or have the energy to do so. He feels lucky. Like its a silver lining. I think its OK. HE knew my hubby. Its OK. I would not be with a brand new person for YEARS. Maybe ever. I was done making new acquaintences dammit! We are just retweaking a friendship into something else. Its this guy or no one.

When my hubby died last year we had a credit score of almost 800. Just him dying shot it down to 690 (I know 690 is still good, but I didn't do anything wrong to lose 100 points. So now I am just pissed at the FICO system and I nice of object to it now). He left me with no insurance. My income is about 1/3 of what it would have been together. The problem is he left me with every this debt, only I have less income to pay it off with. Im only 26, In college (free for me as a vet) and I am basically only going to go to college to buy time because IDK what I want to do when I graduate. I live on a teeny bit of Social Security for widows and orphans (we have 2 kids) and a teeny bit of rent from the mobile home I rent out (on land I inherited free and clear). the debt is about half my income now and that is only for a year because I told my creditors to reduce my payments because now that my hubby is gone I cannot afford to live. So they reduced everything to 3% interest for A YEAR and split the payments to almost half. when the year is up than I suppose the debt would be 3/4 my income. I could call to renew it another year they said. ITs not fair because I already paid off my half of the debt (my tardy husband and I were nice of taking turns as far as being the breadwinner) and then he goes and dies when it is his turn! (I mean on top of just the grief and missing him) The debt is a personal loan from improving our land and also credit card debt (also to improve the land but we were about to refi to lower interest home equity but since he died I no longer qualify for the refi -__- just when I need it the most) and the car I had to refi that to keep monthly debt so I have 7 years on it. I couldnt sell it because it was upside down, believe me I tried. Nothing will sell. Not even my property for what its worth because of the stupid recession (Which I think gave my hubby the heart attack in the first place) Anyways I reconnected with an old (veteran) colleague on facebook and we hit it off romantically and its pretty obvious that he wants to marry me. But I don't want to swamp him with my debts. I know how that feels and it sucks! He has no debt. Although having the income high enough to qualify to for the home equity would be nice for me. Gah. DO we have to wait the 7 years for it every to be paid off to be fair? This will be difficult as I will not cohabitate with someone I am not married to, Especially with my girls. THis is not how I planned to lift them. They were supposed to look a loving husband and wife. Not shacking up. SO I won't be doing that either. Im just so pissed about my finances right now. I wasn't the money manager in my family so I am super stressed out. He says my debts are fine and I can pay them off but I really dont want to look my interest rates climb from the temporarily low ones as they are now. I don't think he fully grasps the severity when he says it will be OK so cavelierly. How is it going to be OK? What am I supposed to do for the future of my relationship with my boyfreind? I want to do right by him. I wouldn't wish this feeling on him (or anyone I know). :( Also should I post this Q in personal finance to receive a different nice of answer? Sorry Savannah, maybe I put the Q in the wrong topic. Its been over 7 months. We were building a great life together and now it is shot. The question was a money question and not a adore one. Perhaps you would like to look my book of adore poems to my tardy husband since your so interested? OR mayhaps the greif ones when my heart was ripped apart? Or maybe the over 260 emails I have saved of our correspondence. Or maybe the photobooks? Wuld you like to unwrap the air tight plastic bags with his clothes and odor him everynight before bed? NO? Not that interested in a complete stranger? than quit judgeing me. You don't receive it. You couldn't possibly. God I wish this wasn't about money. Its used to be just about adore. But now I adore a deceased person. And how can I adore again when I am strapped down like this? I have actual tangible problems now on top of the emotional ones, This is question about the future. Sorry to dissapoint. I can't receive a mortgage on $1300 income a month OK? They won't count my GI Bill income since its only for 4 years (as if employment even guarantees 4 years anymore) Dont think I havent tried mortgage and home equity. They wont do it. I filled out the apps and they won't do it. They said that its considered predatory to lend to me because I don't look good for the money on paper, so they would just receive the land if I default. I know I wont default. A home equity loan would only cost me like $350 and right now I am paying $647 so I dont understand whatmakes the banks think I CAN'T afford $350 when I have clearly been paying at total of $647 every by myself. Thats $300 less dollars a month. IDK what makes them think I would default. I HAD a great credit score and its still pretty good.. What makes them think I don't want or need $300 more dollars a month? So yeah Ive tried a mortgage. They are being jerks. They don't want my business anymore.

So I've been looking for a way out of my car loan lately because the payments are really too much for me right now...I know I shouldn't have got into it but I was young and VERY gullible. I just got a letter in the mail from my insurance company asking for me to verify the address I have on file with them ( where I park my car at night) or else they will cancel my coverage. So if they cancel my coverage, will I still be held accountable for the car loan? Or will I have to pay the balance off? Any advice would be greatly appreciated. :-)

I'm in England now, and my Dad's lives in America permanently, with a visa, and my older brother who is 23 is over there now on holiday, and my Dad tried to find out about getting him a visa, and apparently hes too old enough to be put on my Dads visa, where as i'm young enough as i'm only 19, the age on his visa is 21 apparently..and he said if i'm dead serious about it, i should put every the paperwork through before i'm 20, as it takes a year or so to receive a visa, but what i need help with is, the difference from here to over there, ie, hospital, insurance, taxes, basically everything to live! i know you have to pay for your possess hospital bills etc if you're sick..but don't have a clue on the relax, also, i've got bills over here, i've just taken finance out on a car over 5 years, what would happen to that? would i be able to return the car to where i got it from, because i'm immigrating to another country or what? :s