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State California
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Loan amount limit  $255 if maximum fee charged ($300 maximum check)
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11623 Cherry Avenue No. B4, Fontana, CA 92337

California

Fontana

1295 North Euclid Street, Fullerton, CA 92835

California

Fullerton

82227 Us Highway 111, Indio, CA 92201

California

Indio

1450 Olive Drive No. A, Bakersfield, CA 93308

California

Bakersfield

1460 7th Street No. A, Oakland, CA 94607

California

Oakland

1955 41st Avenue No. B8, Capitola, CA 95010

California

Capitola

3276 Adeline Street, Berkeley, CA 94703

California

Berkeley

100 North Raymond Avenue, Fullerton, CA 92831

California

Fullerton

134 W Base Line Road, Rialto, CA 92376

California

Rialto

836 N Santa Fe Avenue No. A, Vista, CA 92083

California

Vista


Frequently asked questions about bad credit loan california

  • A notary public "notarizes" your signature, verifying that you have shown proper ID to prove it is you signing it. It has nothing to do with the loan. It sounds like the buyer wants you to keep your loan and let him pay it off gradually by making the payments. Don't do it. You'll end up getting stuck for it.
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  • My lenders are B of A, Chase and Citi. I am making much less money and borrowing from family and friends to pay my mortgage and still am behind on the property tax. Whenever I call up the mortgage company they tell me I don't qualify for a remod or that they can't offer it or the only thing is they can postpone 3 months of payment and put it into a separate account to pay off at a very high rate. My friends are telling me to stop making my payments and be in default and to stop putting so much effort borrowing money because they will not take me seriously until I start to go into foreclosure. I'm desperate and hate to ruin my perfect credit but is that my only option? This is in CA if that makes a dif.
  • The Citi is for my mom's house but she had refied it under my name because she had poor credit a few years back and now I'm stuck with her loan because she's running on bad times. The B of A is the 1st on my house and Chase (formerly WAMU) is the 2nd on my house. So my big concern is dealing with B of A (formerly Countrywide, who got hundreds of billions of 'bailout' money and whose CEO is in jail for corruption yet they are not helping me one bit).
  • I live in California and I was able to get a modification on my second mortgage (Wells Fargo) even though 2nd's usually do not get modified. My first mortgage is with B of A who bought it from Countrywide. B of A would not help me on my first so I just missed two payments and will be calling them this week. Wells Fargo did not want to modify on my second but when I told them that there was no equity in my home and that if I stopped paying it was a no win situation for them, they agreed and lowered my interest rate down 4 percentages points for a three year term.
  • How could you have 3 mortgage lenders. If you have 3 mortgages realistically you qualify for nothing. Bank the three months and contact your lender that holds your first mortgage. That is the only one eligible for modification. Mortgage 2 and 3 you pay
  • it has been my experience with wells fargo that unless your in default there is no help.my wife and i have been in our home for 5 years and have never been late and have tried every avenue{literally}to refi, loan mods. anything we could. aparently to get help you should have bought a house you knew you couldnt afford and then let the govt. bail you out.just my experience good luck and if it makes you feel better 5 years ago we paid 149,000 for our home and comps in the neighborhood are now selling for around 60,000
  • I really want to go to the Berklee school of music....it costs like 30 grand a year not including housing (I would have to move from Southern Cali to Boston, MA) Here's my situation....I already went to a state university for a year and got kicked out for bad grades, and have been attending community college for the past 5 years, taking classes here and there, failing a lot of them, barely passing others. Music is my passion and this school has a music degree thats perfect for me. I recently paid off all my credit card debt (over 8 thousand dollars!) If I did go to this school I would get no help from my parents. My grades suck so theres no way I could get a grant or scholarship. And my parents still claim me as a dependent on their taxes so I am not eligible for a low income grant. I would have to take out a loan for the full amount....is is worth it? Or should I just stay here and tranfer back to a state university and live at home and finish up here?
  • In my experience, it's tough to get much better grades and do much better work just because you're at the school of your dreams. I suspect that when you get there, a bunch of new impediments would come up that would get in your way. Congratulations on paying off your credit card debt. From this experience you can see how tough it is to pay off debt. This school cost sounds like you'd easily get so far in debt that you'd have no realistic way to expect to pay it off. Plus, remember, you'd have to get the loan. You may find that you can't with your situation. If your parents aren't helping you at all, why are they claiming you on their income tax? Or, are they helping, but just not in the position to help you at the level this school would take. There are certainly at least some California public universities with excellent music programs. Try that, determine whether you can indeed pull yourself out of this maiaise if you're turned on by what you're doing. That way, you'll build a track record and get forward momentum.
  • In my opinion, your decision really lies in whether or not you think you could handle the work at a prestigious school such as Berklee .. if its all music and thats what you love, then I would say it is definitely worth it. You sound like you need a new start - this could be a chance for you to really develop you passion and you might just find that you wind up with a much better job, and therefore a much better position in which you could pay off your loans easier.
  • If you cannot ace all of the classes at a community college, you should forget about spending money at a good school. In fact, if you cannot ace the classes at a community college, it might be best for you to give up on post-secondary education all together and perhaps focus on a trade school. I'm not judging you - college wasn't for me. My grades were fine, but I couldn't stomach paying that much tuition for some snotty grad student to teach me. I figured, if I'm paying your salary, you'd better have the title "Doctor" in front of your name.
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  • How did government policy at the state level (such as california) aggrevate the current recession, especially in regards to the subprime mortgage crisis? in other words, how did state policy make the current situation worse? how did they make the subprime crisis worse than it would have turned out to be? i was thinking it could be due to spending, or maybe lack of regulation, but i would like some insights into this question
  • state governments are not responsible in any way. the bulk of the blame has to sit squarely with the banks and the people who bought houses they could not afford, but were told by the banks...they could afford them. Banks (a) bundle mortgages and resell them to larger banks (b) who in turn pay a premium to bank (c) who will pay for all the bad loans in the bundle whch (b) holds if they default. Therefore there is no risk in the marketplace and (b) unloads any risk. All the bank (a's) wanted to maximize the quantuty of mortgages for maximum profits because there was no risk to them either as (b) could buy anythng. Unfortunately, too many mortgages went bad...and the big banks (c) , like Bear Stearns could not repay the bad loans. These are trades of risk are called Credit Default Swaps, they are totally unregulated by government, and are unknown by 99% of the population. But these instruments are responsible for the mortgage crisis.
  • My father is really sick, he is going to die soon. Dr says it would be a miracle if he lived until Christmas. We don't have money for the funeral. We have done 2 car-wash and its been bad. What else can we do. Do people or churches donate money for this kind of thing? Please help. Thank You for your comments. Please be nice.
  • LA Girl has a good idea, setting up a donation fund at a bank will definitely help, but you will also need to get the word out via a newspaper announcement or fliers or something. I am so sorry you are struggling with this, that is a terrible thing to go through anytime, especially around the holidays. You could try approaching a funeral home or church with your situation and just see what they say, maybe they can find a way to help you. Does your dad have any sort of life insurance that will help cover his final expenses? If not, the less favorable options would be to get some sort of loan which may be rather difficult right now, or to put the expenses on a credit card and pay for it over time. Best of luck and I wish you guys the best and I will pray for that miracle <3
  • I'm really sorry about your dad, hon. I'm not sure about what help is out there, exactly, however, i'd call The Salvation Army, Goodwill If you attend a church, you may ask for help there - perhaps they could arrange a couple bake sales or a dinner to raise money for your dad's funeral? If your dad is a military veteran, you might ask for help through the Veteran's of Foreign Wars gropus (VFW). They are a great group, and always seem to be raising funds to help those in need. Those are my best suggestions. I'm sending many hugs.
  • Burn him if you have to but don't let him see you struggle for money on his behalf, that will only make his last days to be of misery rather than good memories. I do believe that when you go for that long sleep, energy will be release from your body, soul and with it, the memories or sub--energy, ie memory will follow. Funerals are for the living and not for the deceits. Death knows nothing about the ritual of a funeral. From ashes to ashes, from dust to dust, we all will come back to our original form. What I would do.... if money was not available for my command, I would use what I have and spend it with him and just chariest the very last memories I have left with him. If you think about it, life is just a series of memories in fragments. How rich your life is depends on the memories you'd made throughout your life. Let your dad leave with fond memories, of his accomplishments. Let him see the whole family come together and acknowledge that he had lived a good and full life.
  • Wow I'm soooo sorry. but atleast he is going to a MUCH better place, than this ****** up world! tell your dad i said, on a true side, he is getting a very good xmas present by going to a very great place and in a way, he is lucky. Umm, I'm not sure if churches do this. You need to call them and ask them. I'm sure, if your involved in a church, you can ask ppl to help you guys out.
  • tell your mom to talk to the bank so that they can open an account in the bank so that people can donate and from there you just tell people the cause for donating and the account will recieve money....try making an annoucment on the radio..that realy works~!
  • Yes your church should be able to help.
  • CALL CLOTHES
  • I have a current mortgage with Aurora Loan Services (investment firm) they don't want to help me to reduce my payment? But here in Los Angeles County I see ads where they are pitching Rent to Own Homes, with Credit not being an issue, and you basically Rent, and it goes toward the House Payment.. Can anyone in the Real Estate market give any insight how it breaks down?
  • These are HUGE pitfalls and a horrible financial idea. Think of it like this. You will legally be on a VERY long term lease. If you breach that lease in ANY way, you not only lose out on the "rent" that you paid but you ALSO lose out on the payments that went into paying for the house and any improvements that you made. These are designed to make you fail. You get all of the pitfalls of leasing AND buying a home, but NONE of the advantages of either one. VERY bad idea.
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  • See a celeb; sip a drink on a beach bar at sunset; wear a couple of custom shoes within an ultra-luxurious boutique in Beverly Hills; play at Universal Studios Hollywood design park, explore world-class museums, or party the night out in a starlet-filled club…..this are just someof what exactly you might find in Los Angeles, learn this city with hotelbye . Los Angeles could be the California's liveliest town; may be the activity capital of America, with megastar electricity and unlimited activities. Hollywood is the most-see attractions in Los Angeles. That place draws countless visitors each year who journey there to cover honor for their favorite stars and possibly even get a view of several famous personalities. And occasionally they're fortunate!
  • Well I love it so much because it just oozes openness and opportunity. If you bring good attitude, you can do ANYTHING! It is multicultural and FREE! Some people get too carried away, it is true, but it really is the land of opportunity. Social attitudes are open and people have a chance. I started my business here as a woman in a traditionally male field and did well. I did well in real estate, not the "bubble," but really solid stuff. We have a lower carbon footprint, as has just been reported. Our social attitudes are more open, we are multilingual, we have many food choices because we welcome so many different people. So it always feels like CHANGE! And that sure beats feeling static.
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  • Well, I am enrolling in my local Police Academy. It is set to begin in January 2010. The problem is that it costs 2,000$ and I do not have that amount. Yes, i have a job but it barely pays my bills and necessary expences. Any of you people know how I can raise or make 2,000? I have bad credit so a loan is out of the question, and I do not know of anyone who will co-sign for me. Please Help!, Being a Female Police Officer is my lifelong dream! I am a single mother of a 4 year old daughter. Anyone got any suggestions?
  • Well, apply to a different department. In California and Washington they pay you while you attend the police academy. Make sure the school you want to attend that is charging you $2,000 is really the police academy and not some sort of trade school.
  • This sounds like something is not right. In Connecticut they pay you while you are in the academy. Go to your local police dept and ask them about this. They will set you straight and maybe arrest this school if it is not legit.
  • In my state (even in my county) our academy will the two permit you pay your man or woman way and be conscious for jobs after commencement, or get employed with the aid of a dept (ours or different munis around us) and that they sponsor you interior the path of the academy (and pay you collectively as you bypass with the aid of). you merely might desire to confer with the dep. you desire to paintings for. FYI, the depts that placed you interior the path of the academy usually make you sign a promissory be conscious to paintings there for "x" quantity of years, or you will possibly desire to pay them lower back "x" money prorated for how long you have been with them.
  • I got the perfect solution SELL DONUTS in your spare time working at at the pig farm soon you will be on your way to become one. good luck!
  • Forget about being a cop.
  • I thought I would tap into you brilliant "Yahooligans" with real estate, banking and legal knowledge to get advice on our little predicament. Here are the facts: - House in Thousand Oaks, CA was bought in '04 and is currently worth $250k less - We are renting it out, but that only covers the mortgage. Overall we are losing due to maintenance, taxes, and insurance (not to mention the headaches). We cannot raise the rent as we are already at the upper end for the area. - The house is very old (1950's) so maintenance issues will only get worse. - We have another house and won't need additional credit for many years to come. Also, the loser loan is only in my wife's name. - This is an important one. We do NOT get to claim the interest as a write off because of income stipulations. What would you do in our shoes? We can afford to keep taking the loss, but I don't think we will ever break even. Thanks for the help!
  • I doubt that the bank will allow you to do a short sale since it is a rental property and because of your high income. Your adjusted taxable income must be over $180,000 since you can't write off the interest. Sounds like you can afford it but just don't want to pay your obligation anymore.
  • Let the loser house go and continue to collect rent until they foreclose. You can notify the tenant that they can break the lease with 30 days notice.
  • You can write off the interest regardless of income unless you are claiming it as a second home and not an investment property. You can also depreciate the property and write off maintenance.
  • I would ask for 30% and take it at 20%. There are a lot of people upside down or who unlocked there equity and can not sell, or there in a ARM loan and hurting bad but still can not sell since they just pay interest. Look for a home that was bought over six years ago, and put out several offers. there are a lot of people sweating it bad, and want to dump there home, but many can not and they will foreclose some time soon. Also check out this web site it tell how the made the housing bubble. http://www.breakingbubble.com/index.htm
  • My father has been paying for the mortgage and property taxes for the house for the last 7 years. He has bad credit due to a bankruptcy that was filed a few years ago. We would like to make sure that my brother isn't going to do anything to put the house in jeopardy, such as borrowing money against it or what have you.
  • My brother says he will sign the ownership of the house to my father but we have to do all of the leg work. Given that my father is a teacher, he has little time to find information on this subject and so it falls on me to help him out. He has worked hard to take care of our family and he has been paying all of the mortgages/ taxes on this house. My brother spends his money irresponsibly and my dad is worried so he told my brother that since he has been paying for this house all this time, he should put it under my father's name. The house was bought for my parents from the beginning.
  • It will not work that way. When the deed transfers the loan is due. Your father will HAVE to get a loan in his name in order to be recogonized on the deed. This house is your brothers house, he can not give it away until it is paid in full.
  • If your brother is alive, he would need to sign a quit claim deed (that is assuming that he does not have any open mortgages or liens against the home). If he has died and willed the property to your dad, you will have to wait until probate is over. UPDATE- no, the property cannot be transferred without the mortgage company demanding full payoff. There is no legal way to remove the name of the mortgage holder from the deed; the courts will notify the bank when you attempt to record the deed and the bank's have "due on sale" clauses in the note and mortgage to allow them to demand immediate and in full payment before they will release the lien on the property. It does not matter if the property was originally purchased for your parents or that they are paying the mortgage. At best, you could apply to the existing lender for a refinance and provide proof that your father has been the one making the payments on time so tjat they could use that as part of his credit file. You could also have a non-occupant co-signer on the mortgage who is not on the deed but, this person would have to be able to qualify on credit and income. As far as preventing your brother from doing anything-by law he is the property owner and can dispose of or encumber the property as he wishes and it is his asset if he is sued. With only his name on the mortgage and deed, your father would have only tenant's rights as far as right to first refusal and not to be evicted immediately if the property was foreclosed on or sold. I know hindsight is 20/20 but this is why you NEVER put your home in someone else's name nor why you should put your name on someone else's mortgage. Home ownership is a much stronger and longer tie than even blood relationships and typically outlives most relationships
  • i am going to anticipate that you want those human beings because for sure in case you probably did not, it will be a very undesirable theory to purchase a house with them. Assuming that, i'm no longer a legal professional so i'm no longer particular precisely legally the way it would artwork. Are you each and every going to positioned down a similar quantity of fairness? If no longer, and also you all have your names on the deed, whoever places down a lot less would ought to record the fairness "given" to them as taxable earnings. although, in case you pool the money, you should wreck out that rule. yet something to envision for particular. i'm an accountant yet haven't any journey with legal themes. I do have a house even with the reality that. How would the loan and the deed artwork? would anybody have their names on it - both households? Is there sufficient room in this domicile for you all to stay with ease? definite, there'll be friction. There continuously is, even even as its only both of you possessing a house. you should positioned down in writing any plans you've and characteristic all activities signal it. Its quite a question of no matter if you'd be more desirable acceptable off in a family individuals domicile or waiting to purchase on my own. and quite, search for suggestion from an legal professional about this.
  • This is a tough situation because in order to transfer title to your Dad, the house would need to be refinanced. And considering the bad credit your father presently has, this sounds impossible to do right now. Filing a quit claim deed wouldn't solve your problem either since ownership wouldn't be able to transfer until all liens were resolved and a mortgage is a lien.
  • You can't, unless your brother lets you. The house is 100% legally his. Your dad has absolutely no say in the matter.
  • If it's your parent's house, then why is it in your brother's name? I think you're omitting some important details here if you want a correct answer.
  • Basically i got a letter from them back in august saying i wrote a NSF check to safeway for $7.33 and not only do they want me to pay that, but they also want me to pay 10.00 fee which i get, but also a 35.00 program fee, and a 70.00 fee for a financial training class they want me to take, so that totals to nearly 122.00! it basically says Lane County (where i wrote the check) District Attorneys checks enforcement system on it. I have called repeatedly telling them i want to resolve this but the only problem is they wont set me up on a payment plan they want it paid in full or they will prosecute me for theft or whatever it is punishable by law. So i wrote them a letter exclaiming i want to make payments and i dont have simply 122.00 to pay, since that failed i wrote them and am going to send yet another letter exclaiming that if they want the 122.00 paid in full they will have to wait till January when i get my next student loan disbursement since im going to school. And now i just called them they are continuing to be rude to me and they now said since i havent made a payment their going to submit it to their prosecuting office. It scares me because i have a bit of a background from earlier times i wasnt the best kid im 20 now and im expecting a baby so im over it. it just scares me that if they do prosecute i will really get the shaft because i have priors. SO my stepdad says i should keep writing letters and keep copies. What do you think i should do?
  • The check enforcement program is a program run by district attorney's offices in several counties in California, where they refrain from prosecuting people who write bad checks for small amounts, as long as they make good on the check and pay a fine within a certain amount of time. Unfortunately, there isn't much you can do to delay the payments. You shouldn't have written the check if you didn't have the money. I suggest you borrow money from somewhere else and pay this off, because once they get a court order forcing you to pay, it's going to go on your credit report and cause all kinds of problems.
  • deliver them a money order for the verify volume and their 10.00 fee. keep copies of each little thing such as each of the correspondence. tell them which you're reimbursing the verify volume and their processing fee (or regardless of that 10 money is) and tell them you merely have not got the money for the different issues. do no longer make any provides to pay or something like that. Say you haven't any longer have been given the money, era. no longer something approximately your pupil loans or something. you at the instant are not sparkling on what your historic past is, so who knows what they might do to you. they are in all probability merely BSing you to be honest.
  • I need to get $2000 by this Friday, it's Monday. I can't ask my parents and all of my potential co-signers have bad credit. I need the money to pay to move into a duplex in order for me to live in while I attend college. I currently live in California and will be attending college in Oregon, so living with my parents is not an option. Help with suggestions?
  • You obviously cannot afford this. If you take out a loan, how would you pay it back. Sorry to say you need to rethink this whole situation. I wanted to go to an out of state school when I was younger, unfortunately I could not afford it so went to an in-state school. Something it looks like you need to consider. Good luck.
  • I am a 32 yr old female currently living with (to help care for) my disabled mother and grandmother. I also work at a local hospital in the Psych. Dept. I grew up poor and never really left the state. If I did, it was on a school field trip. Back in Dec I took my first ever plane trip to California. I loved it so much I went back in May for a few days. Recently my boss gave me a vacation and I am tempted to go somewhere. Only problem is I am $2000. in credit card (due to college). I don't know if I should go or not. I am really torn. I am working and plan on consolidating my debt (my friends have it far worst). I just hate having that big bill over my head. I don't know if I should go (trip is $400) or stay home. This will be my last opportunity for a while to travel. What should I do? But then again, I'm burned out from both my job and home life so maybe the getaway will be good for me? I have enough money in savings to completely pay off all my debt but it would leave me living from pay check to pay check. Plus, I might have to move soon.
  • I would suggest taking out a consolidation loan to lower your credit card intrest to a lower more manigable level. Then, I would suggest seeing if you could try a new sport or something (large body of water in the area?)(lasts longer and continued enjoyment). Then, I would suggest taking the trip. However, when you get back, try cutting expenses, if only for a while, in order to help pay off debt and to create a retirement. This can be cutting back on fun(1 movie (without extras and at a cheaper time) a month instead of 2-4), reducing food and fuel costs (do you need the special brewed coffee?), and trying to make more money or trying trying to get items cheaper or for free(craigslist?).
  • Oak park and South Sacramento have always been bad areas, Elk Grove is just south of Sacramento and a lot of the bad from S Sac bleeds into that area. Natomas is not great also, lots of newer homes and I think will all the creative financing a lot of people who normally would be buying homes bought in that area and brought some kind of ghetto values with them. Try Citrus heights, Carmichael, Fair Oaks, Roseville, Rocklin, Folsom. Right now is a good time to buy a house in many parts of California including Sacramento and its surronding areas if you have the money or good credit/down payment where you don't need to get creative with financing. The reason so many people are losing homes is they bought them when prices were very high and they got creative with the financing and variable interest rates that caused their payments to fluctuate. As interest rates changed so did their house payment and many got too high to afford. Then banks started forclosing on houses causing a housing glut on the market and lowering the cost to purchase a house. Then the lenders started getting picky about home loans since they were eating so many of them. Now people who want to sell are having a hard time getting what they put into a house due to the banks trying to unload so many houses all at once. This is a good time to buy, very much a buyers market in most of California with Stockton being about number one right now. In fact there is a big auction this weekend for over 200 forclosed homes in the Sacramento area.
  • Agree with the two answers above. Natomas is getting real bad, as far as traffic congestion and bottle-necks. Poor traffic planing has made it a nightmare out there. . Becoming a high crime area, as it is close to I-5 and I-80. Also they are going to be hit with a big time Flood Insurance rating. So all those dumb people that decided to buy over there in what used to be rice field areas.that seem to want to flood, will now have to pay the piper.Plus you are close to the Airport, so you have that noise, and again all the traffice problems since you have Arco Arena right there (Sacramento Kings/concerts/events) cause additonal traffic for people trying to get in and out of the Arco parking lots.
  • Too many to list. Every area in Sacramento is getting bad. I would suggest you move to Granite Bay or somewhere further North. Personally I live in Rosemont area, but its getting seedier by the day over here.
  • Right now with this economy, all of them. Sacramento is one of the worst hit by the housing slump. Natomas, north area especially.
  • i work at a daycare and my boss just happens to be a realtor. she has mentioned to me several times that i should be looking into buying a home, but i keep hearing bad things about how buyers keep getting taken advantage of and i just don't want that to be me and my husband. we want to be homeowners soon and we are tired of paying rent and having nothing to show for it. the offer sounds very tempting from my boss because she guaranteed me that she could keep my rent the same or close to what i already pay but i'll be paying for 35 years on a house. can someone please give us a very honest answer? i don't know if i should trust her because she may just be doing her job as a realtor and not telling me all the fine print because she wants to make a sale.
  • Can you give us more info - like income, credit scores, other debt, do you have a down payment? I live in the bay area, California, and there are some very good deals here right now. I don't know the Tulsa market but my impression was that it was very soft at the moment. If you can get a good loan and a great deal on a place, and you are confident you can comfortably make the payments and weather out the market until things improve (will probably take years) your agent may be right. While real estate has really hit a hard time right now, there are some very incredible deals to be found if you are in a position to take advantage of them.
  • what is that really suppsoe to do to the economy?.. and why are we bailing out all kinds of companies? wouldnt it be better to invest that money in creating jobs in the U.S ? with all these bailouts.. will house prices continue to drop or no?... i live in california and it is still too expensive to buy. you still have to pay 400k for a mediocre house in not sogreat condition.. i live orange county.... will prices be influenced by the bailouts
  • it may or may not work but, if they do not do it it will be nearly impossible to get a loan for any reason without damn near perfect credit. a credit freeze would be worse .. and all these home owners who took all these loans despite bad practices are more at fault then these banks .... americans cant pay bills and everyone pays for it ,, your debt is my debt which is us debt.. house prices dropped so if anything your get a better deal
  • the politicians are stalling for time before the election and, especially, their individual elections. they are trying something desperate to save their corrupt butts. they should perform one last act and restore some honor to the u.s. congress. they should do a "jonestown" except they should skip the kool aid and commit hari kari. The most common form of seppuku or "hari kari" for men was composed of the cutting of the abdomen, and when the samurai was finished, he stretched out his neck for an assistant to decapitate him. Since the main point of the act was to restore or protect one's honor.
  • I am a cosigner on my ex's vehicle and he's not making his payments. Ive been trying to get off the loan but the finance company wont allow me to surrender the vehicle without his consent. And the ex is not willing to do anything to help or cooperate with me. I recently heard he got a DUI and his license was suspended. The finance company told me if I can prove his license was suspended they will remove him from the loan and the vehicle will go solely in my name and therefore I can surrender it. I was just trying to figure out how I can get proof of this. Will the DMV give me record of a suspended license for someone other than myself? Any help is grately appreciated!! Sincerely~ Doesnt want bad credit.
  • I know in California, DMV records are public. There is a form online you fill out and send in $5 and you'll get his driving record. They are not allowed to release current address information, but the driving record is public. The only downside is that you have to give your name, address & driver license number and your ex will be sent a notification that you requested his information. So you can get the info...but you can't be sneeky about it.
  • Get a No Cost Background Check Scan at https://bitly.im/aNy7VIts a sensible way to start. The site allows you to do a no cost scan simply to find out if any sort of data is in existence. A smaller analysis is done without cost. To get a detailed report its a modest payment. You may not realize how many good reasons there are to try and find out more about the people around you. After all, whether you're talking about new friends, employees, doctors, caretakers for elderly family members, or even significant others, you, as a citizen, have a right to know whether the people you surround yourself with are who they say they are. This goes double in any situation that involves your children, which not only includes teachers and babysitters, but also scout masters, little league coaches and others. Bottom line, if you want to find out more about someone, you should perform a background check.
  • Felonies are public record. Go to the Police Station with a letter from the finance company stating you need proof that he lost his license. They might also do him a favor and take the car back once your name is off the loan.
  • In general, No. But if you have a legitimate reason, and you get a letter from the company saying you have a loan together, then maybe.
  • DUIs are public. You should be able to get proof from the court.
  • In February 2013, I took a road trip to Cabo San Lucas Mexico. A semi truck was in my lane so it was either hit him or try to go around him. So I decided to swerve around him. Flipped my car backwards about 5 times. So when I got back to California I did the whole report it to my insurance. Well I had full coverage but I guess it doesn't cover out of the USA. I barely had the car for about 4 months. Geico basically said your loss, were not going to help you. So my loan is still at $8,000...What happens if I don't have the money to pay it off? What does the credit union bank do? And they can't repo it because its at a wrecking yard in Mexico, middle of the desert somewhere and its totaled. What should I do?? Haven't made a payment since I wrecked... I'm 19 years old so how bad does this affect my credit?
  • Keep paying the bank. They don't care if the car is fit for use or not. They just want the money due each month. Usually, when a repo occurs, they auction off the vehicle and send you a bill for the difference between the auction sale number and what you owed. Now, with nothing to send to auction, they'll just bill you for the entire amount of what's left on the contract. Can't pay that? They can and will sue you and depending on what state you live they can and will garnish wages. You'll know next time... NEVER take your car into Mexico without coverage (which you can get short-term).
  • You still owe the $8000. Wrecking your car doesn't relieve you from the responsibility to pay in full the contract YOU signed when you bought the car. If you don't pay, or don't make arrangements to pay the finance company will sue you, get a judgment, and take any assets you have to satisfy the judgment. The legal judgment is good for 10 years, and they can reaffirm it for an additional 10 years.
  • How the FVCK did you drive into Mexico without insurance??? Anyway, you owe $8000, like it or not. Also, accidents in Meheeco are a CRIMINAL matter. You got damn lucky you didn't cause someone else some damage of some sort or you'd be posting this from a prison in the jungles of deepest, darkest Mexico.
  • If you have insurance they can pay off the car but you may still get a bill for the difference the insurance didn't pay
  • The bank will sue you for the $8,000 you owe them.
  • Closing cost from my lender (credit union) aren't too bad, but I think the escrow company, who's affiliated with the broker, is overcharging me. Here's the good faith estimate from escrow co. NONE of the Lender's fees are included in here. Please advise. Escrow Charges: -Escrow Fee $1,128 -Loan Tie-in Fee including processing, coordinating funding & providing certifications, signing of documents $486 -Email fee if applicable $100 -Archive Fee (storage of file for 5 years as mandated by state law) $25 Title Charges: -Lender's Coverage to EQUITY TITLE CO. $664 -Sub-Escrow Fee $70 -Endorsements Estimated $200 Recording Fees -Recording Deed of Trust $85 -Recording Grant Deed $25 Additional Settlement Fees -Notary Fee Estimated $100 -Hazard Ins Prem. (est) $600 Additional Services -Messenger Fees $75 -Wire Fee $25 -Buyer Funds Held for Final Accounting $300
  • It's a buyer's market right now. If you're not comfortable with the broker's fees, don't go through them. Go through the bank that made the loan to you. All fees are negotiable. And the seller could be paying some of those fees too. If they want to sell you the house, they will negotiate with you.
  • It's a lot of money, most are justified, but the Email fee? and Sub-escrow fee, and courier fee sound like junk fees... I had a buddy working in the mortagage business, and the archive fee went to the owners brother for sticking the file in a box next to his desk. Yes, there is A LOT of pork/fraud in this business, and everything is negotiable. You can get tough and demand a reduction in some fees, but overall they have you over a barrel. If it's not your CU, then a bank will treat you the same way. Hope I provided some insight, good luck!
  • Typically mortgage companies can't make money off you on escrow acxcounts. I am a loan officer in the North east at PNC Bank. I will be happy to look over your GFE in full to see if you are getting a square deal. If you are indeed using a broker, beware, they have to make money as the middleman. You will pay for that somewhere along the way. A few of the fees that you have mentioned seem obscure. Please contact me at frank.norris@pncmortgage.com Title company fees are generally seperate as well as the recording fees and taxes.
  • while it is legal for a RE brokerage to own a title company, NO buyer in any state may be forced BY anyone, to use any specific title/escrow firm. the law of "hands-length transaction" and Fiduciary come heavily into play. FInd another title firm, fast. if someone in this deal says "no", find out why-- in writing; then you will have ammunition for a law suit for fraud.
  • Dude you are getting rocked! I can help you out with this give me a shout jslater@fortressonline.com or call me 913-345-9007 (toll free 888-345-9008) ext 105 hope to hear from you soon
  • Im trying to get a job at applebees and i need a car bad....but i was just wondering do you think it's possible to buy a car within like the first 3 months of working there if i were to get paid every week or 2 weeks...honestly...im trying to move back to California and i have friends in California also but they live in San Francisco and i live close to LA so we are like 6 hours away and i wanted to have a car when i moved back out there...i already have a place to stay and everything...do you think that it will work?....btw i live in Chicago at the moment but i was born and raised in Cali....thank you so much for your advice and knowledge sharing! :-D
  • Its possible, mostly depending on your credit. If you have had auto loans before, and they went well.. then no problem. If this is your first auto loan, it would depend on your job stability prior to applebees as well. If you were steadily employed before applebees for 2 years or so.. you would be fine. If you have been unemployed for times and skipping around from jobs or if this is your first job... you most likely need a co-signer with some stability. You definitely need a down payment, probably one thousand at the least 2 would be easier. BUt, don't tell the dealership/finance officer, or bank you plan to move out of the city and quit your job... they would deny you immediately.
  • I surely have a challenge with Wile E Coyote, Why does this guy spend all this funds on ACME products to seize the thin ( un-catchable and uneatable ) highway runner, whilst he ought to easily as truly purchase himself a respectable meal
  • Thanks for all the great info!!! I live in California and I found out my name is on the deed. Next question. My husband has 8 credit cards all in his name that he's used to purchase stuff strictly for him. I know you're saying "yeah right" but its true. There are 2 cards where we've purchased house hold items which I will agree to pay 1/2 of those. BUT am I legally responsible for those other 8 credit cards in his name only that only he has charged on?
  • Rather you live in a community property state or not, anything purchased during the marriage using martial funds (which is pretty much anything earned during the marriage) is martial property and subject to division. It doesn’t matter if your name is on the title or not.
  • You need to talk with a lawyer. All states are different. If you live in a community property state, half the proceeds of the house will be yours. Be sure you don't sign a Quit Claim Deed because then you would have no claim to the house. Don't let him trick you! Go see a lawyer. And if you are divorcing, you need your own lawyer! Don't use his lawyer because you will get screwed good because his lawyer will have his needs in mind and not yours.
  • In almost any state the answer will be yes. Whether you are in a community property or an equitable distribution state - the court will have the authority to award you a share of the value of the home. Good luck.
  • It is a marital asset, you will probably be given 50% of it...but get a lawyer first and have the lawyer look over the paperwork on the house.
  • Get a lawyer's opinion on this in your locality. It depends if your state is a joint property state where property and debts are shared 50%. If it's not then if you're name is not on the title then it is most likely his and you're not entitled to it unless you can prove in court you've paid X amount of $ towards the home and then you can be compensated for that -- maybe.
  • What did he do to deserve a divorce? If he deserved it, then get a lawyer, give him all the materials, and don't look back Who wants the memories.
  • It depends on what state you file for divorce. If you are in a community property state, then yes. Everything is owned by both of you in that case, property and debt...
  • ask lawyer but i think you can claim.
  • Barack Obama Microsoft Corp $171,573 Comcast Corp $113,800 Harvard University $99,975 Google Inc $95,066 University of California $85,941 Mitt Romney Goldman Sachs $367,200 Credit Suisse Group $198,750 Morgan Stanley $191,800 HIG Capital $186,500 Barclays $157,750 Rick Perry Ryan LLC $186,800 Murray Energy $105,504 USAA $67,000 Contran Corp $50,000 Ernst & Young $47,800 Ron Paul US Army $23,552 US Air Force $23,335 US Navy $17,432 Mason Capital Management $14,000 Microsoft Corp $13,398 Michele Bachmann Captive-Aire Inc $10,000 College Loan Corp $10,000 Empire Office Inc $10,000 Hubbard Broadcasting $10,000 Slumberland Inc $10,000 Herman Cain Barron Collier $8,000 Houston Texans $7,400 Wells Fargo $7,300 Cinco Natural Gas $5,200 Cold Spring Granite $5,000 Creative Dimensions $5,000 Fox, Paine & Co $5,000 Whitaker Oil $5,000 Ggam LLC $5,000 Greenhill & Co $5,000 Hilton Hotels $5,000 Infinity Oil & Gas $5,000 JM Smucker Co $5,000 Arb Corp $5,000 Ames Research Laboratories $5,000 Wynn Resorts $5,000 Jones Petroleum $5,000 Neuroimaging Centers $5,000 Tankcraft Corp Walworth $5,000 Third Security $5,000 Looks like Romney will win the nomination.
  • Our soldiers? Ron Paul US Army $23,552 US Air Force $23,335 US Navy $17,432 These are the enlisted men and women who want Ron Paul to be their commander and chief. The worst thing people say about his plans for America is that he has a foreign policy that would leave America vulnerable to bad guys in other countries, and yet...and yet our service men and women, those who are on the front lines of military service want this man to win. I support the candidate supported by our troops.
  • Romney will win the Nomination, but FAIL the election. I think that's what you meant to say. No thanks necessary. :)
  • Apparently Earth Angel has never heard of a concept in the law called DEFICIENCY JUDGEMENT. If your foreclosure sale does not cover the costs of your loan...the bank CAN and WILL come after you....if the cost of filing a lawsuit is less than what you owe which can force you into another major financial event ie. bankruptcy. Only in California...is your mortgage protected from this IF you only have one mortgage and IF it's the original mortgage from when you bought the house...if you ever refinanced, you are SOL. People think that a foreclosure is the worst thing that can happen. There is more to it than simply ruined credit.
  • If your house is foreclosed the first thing they will do is put the house up for auction. Once this is done they will notify you how much it was sold for and how much was left unpaid from the loan. If you're unable to come up with that amount, it will be reported against your credit history. No sure if this answers your question. They will not continue to harass you for payments, but whatever they cannot recover they will make sure you're held accountable for it. You may still be on time. They're threatening with foreclosure but it actually takes a while for this to actually happen. The only thing is, when you do come up with payment, it will have to be the full amount owed. They will not take 2 months payments if you're behind 4. Good luck!
  • When they take the house because you did not pay or won't be able to pay (hard economy), that means that you are foreclosing on your house, and they will take the house because you only borrowed it from them. Your credit will be very very bad and it will take a long time to make it good again for you to be able to purchase another house or even just to borrow. Best thing right now, is try to modify your loan to get a lower monthly affordable payment, but the loan will be the same. Be careful though because there's a lot of money face that promise to help but will take your soul away from you to be able to pay for their help. Talk to your lender more and be a fighter. (Don't yell at them though but fight for your rights - say the right words.)
  • My wife woke up crazy one day, she want me to do stuff that i cant afford. now she want a divorce, i don't , but i would not want to live with someone like this any more. we have our beautiful house (or at least i think its ours) her dad gave her a gift of down payment for the house one month before we legally get married the deal was she make the down payment , i pay the monthly mortgage and it will be OUR house. however now since me and her are getting divorce , her and her dad keep telling me that it is her house only. because she bought it before we get married. she did not make not even one single payment , i made them all, i even made so many upgrades that significantly increase the value of the house, but on the house title its only her name, since we got the house one month before getting married and because i did not have good credit at the time. is it her house only? or is it our house and we can split in case of divorce? notes: 1-her dad name is basically no where, he gave her cash that she used to make the down payment with her name. 2- she had separate bank account that we use just to make the payment (under her name) i used to transfer the money from my bank account to that bank account so the bank can automatically take the money out all the transfers shows clearly that they are coming from my bank account 3- in 2014 she had no job all year long and her income was $0 on the taxes we filed together. 4- all this in California Please help!!
  • First off don't move out and don't do anything that would make your wife feel threatened. See a lawyer and ask him if you should stop paying the mortgage immediately. They purposely tricked you on the house title. Technically you could still be on the title and not the loan, so the fact you had bad credit is not meaningful. Stuff like this is often negotiated out. In your case the downpayment might not be considered part of the martial assets, but the increase in value of the house could be considered 50% yours. This is something the lawyers would have to sort out. Unfortunately the timing of the purchase of the house makes a huge legal mess. It's entirely possible you might not have any equity in the house, but that is something for a lawyer to tell you. It's too close to call. She and her father did everything they could from the beginning to make sure you could not claim it short of signing a prenup. I would start collecting every record you have for every dollar you put in the house. You may have to call the bank. You will need it.
  • Find a lawyer, in most states anything aquired prior to marriage is not a communal/marital asset so if the house was purchased before you married, it is HER house. Who is making the payments is irrelevant. You would have living expenses anywhere you lived and well the mortgage company doesn't care who is writing the check or where the money is coming from as long as the payments are there.
  • there are what is called community property laws. and it goes not just for the house but for everything you have acquired as a couple,,,the courts will require an accounting of everything you have together which has any value including cars, furniture, jewelry etc. and you will have to divide it equally. the house may be considered hers since she bought it before you were married, unless you have lived in the house with her since she first moved in, and unless you can show you have paid all the payments. you may be in a little trouble with that whole money transfer thing. you will have to hire a good attorney and keep every record you have. do not move out of the house....if you do, you may loose your share because your contention is that it is your only dwelling place. if she wants a divorce, let her leave you and move out. that will make it harder for her to get the house to herself.
  • It's 50/50
  • You need a good lawyer. Try not to upset your wife too much & stay on her good side. She may end up being nicer & not fighting you so much & even give you more money than you're legally entitled to. Hopefully her father will stay out of it. I think you maybe screwed about the house if you're not on the title & she bought it. It makes no difference where the money for down payment or monthly mortgage payments came from. Good luck.
  • . California is a community property state..so you'll likely be awarded something for the increase in appraised value from when your wife purchased the home until now. You'd have had to pay rent anywhere you lived however so you won't get reimbursed for all living expenses!
  • You need to talk to a lawyer. Usually, they will consult with you for free in one appointment to let you know what, if anything, they can do for you. You don't want internet answers, you need real advice. I'm sorry about your marriage.
  • If you have proof that you paid out all of these things you're intitled to compinsation. the fact that It's in her name will work against you but because you were married and lived in the house it's the matrimonial home and half yours. good luck
  • Many of my co - workers are simply walking away from their upside down house and are able to buy another cheaper (often larger), house right away. I don't understand how this works, won't they have to honor the original loan? Isn't this why the county is in the crapper since no one has to pay their debts? If it helps, this is in Las Vegas, the worst housing market in the nation.
  • Yes, this is exactly why the country is in the crapper. People are doing the same thing in California. The trick is that you must buy the new home BEFORE walking away from the old one. Once you walk away, your credit score goes down the tubes. So, simply arrange for the new mortgage before walking away, while your credit score is still decent, and there is no problem. They only need to honor the original loan if the lender decides to sue for the balance after the foreclosure. Most lenders don't bother, because it's expensive in terms of legal fees and time. And, thanks to Obama, these walk-aways don't even need to pay income tax on the forgiven debt. Yeah, what a country, thanks to Obama, Geithner, and the rest of the bailout buddies in DC.
  • Well, its obvious they aren't transfering their mortgages - it sounds like they left out a step - First because they HAVE not been behind on their mortgages (I know they're screaming that they can't afford their mortgage, but be assured that they are not fore going their monthly payments) People with good credit, are able to purchase new homes - as long as their credit rating is still up there - after they get into the new home - they stop making payments on the old home. I know and you know that you would think that the banks would be smarter - but guess what - they're as dumb as a bag of hammers. Many of your co-workers are working with smart BK attorneys - who get them off the old loans, its really a matter of timing.
  • Hi there. I have a house in California that I don't want to lose. I also have a condo that I used as income property in order to buy our house. The rate is about to increase, and I won't be able to afford the condo payments anymore. The condo is vacant (my tenant moved out and the rent rate won't match the new mortgage rate) and it's on the market, but not selling. In two months, the rate goes up to high for me to afford. If I have to foreclose in two months, if it still hasn't sold (have dropped the price so far that I'm uspide-down, and no equity in it), then can they take my house, too? All payments/taxes on both properties are current right now and always have been. I don't mind foreclosing if I have to, and I don't care about the bad credit that much (although I really do), because what matters is keeping our house, not the condo. I'm running scared. Any advice for me? I appreciate any words of advice. Thanks!
  • If I'm understanding you correctly, you refinanced your condo then purchased the house? In that case, one has nothing to do with the other, and when they foreclose on the condo, your house would not automatically be forfeit. However, if they cannot sell the condo for at least the value of your remaining loan amount, they can come after you for the difference. They don't always do this, but the do have the right to do so. In that case, you would then become liable for the remaining mortgage amount. How you arrange that payment is between you and the finance company.l
  • I help people in your shoes in California. No, they can't touch your home. The lender will only foreclose on your condo. They can (and most likely these days) 1099 you for their loss. So when you do your taxes next year, it will show as income. Don't stress out. Your next move is to do a short sale, that way you can control your loss. If you're in Southern California (Orange, Riverside or San Diego Counties), shoot me an e-mail and I will look over your situation. Also, I have to state that I am not a lawyer or an accountant and you should seek legal and accounting advice from a professional. Regards
  • Since you own other property the chances of a 1099 are there in which you will owe taxes on the amount written off (as with a bonus about 36%) but most likely will put a lien on the house you do own, so when you sell it you will have to pay back the amount plus interest.
  • I bought a house in southern california about 3 years ago and it is worth about $90,000 less than what I paid for it. I have never missed a payment, as a matter of fact my credit is excellent. I am a responsible person and realize that what I should do is ride out the market and honor my commitments. I'm so angry that it's so easy for some people to just foreclose and walk away, that I'm thinking about doing it myself. My plan was to buy a less expensive house (probably larger, and upgraded) and then foreclose on my present home. I understand my credit would be dinged for a while, but I'm not going to need a loan after purchasing the new house anyway. Look, I know the right thing to do, but the good guy does not get rewarded in these situations. I would like to know if the bank can come after any of my other assets. Also, I'm just curious to see if anyone else out there thinks like me and has attempted to do this.
  • Well, I have been renting it out for about half my mortgage (that's pretty much what the market rate is). And I've been sharing an apartment with my fiance. I agree that if you have the money, the banks should be able to come after you but I'm not sure that that is the case. I've heard of stories where people are renting out there house, having tenants pay rent, and not paying mortgage payments for up to 8 months or more before they finally kick out the tenants and foreclose on the house. The home owners walk away with that money and the banks get screwed. I also agree that MOST people go into foreclosures because they have to, but I'm not naive enough to think that a growing number of people are doing this so thay are not stuck with "negative equity" in there homes.
  • Your house has lost vaule because of the market. I would think a 90,000 loss is huge, but to foreclose on it doesn't seem like a good idea. You could also rent it out that way you could make money on it, while living some where that is cheaper, since you say you already have the money to get a cheaper place. I don't think you should purposely try to foreclose on your house, I would think that if you actually have the money then the bank could try to go after you. You could also try to go to the bank and try a short sale and see if they will work with you in selling your house and letting you out of the remainder of the mortagage. Think about it, the housing boom wasn't going to last forever, everyone was taking a risk. At the same time just because the market is bad now doesn't mean that your house will never regain any of it's value. I think people who do what you are suggesting should be held accountable for the debt, if that actually happens, I don't know, but most people foreclose because they have to, it's not an option that they choose.
  • Your intent to walk away form the mortgage would technically have to be disclosed on your mortgage application. If you did not, the you may be charged with fraud in you loan application. The new mortgage holder could pull you mortgage, and put you out on the streets. The lender that had the mortgage that you walked away form would do title search. It would be easy to see what you had done. They could file criminal fraud charges. It could do a lot more than hurt your credit. It could put you in jail. Buy the way, I formerly had an office at the court house. I was Recorder of Deeds.
  • Hello, let me take this opportunity to direct you to this website, it is exceptionally functional for people with questions such as yours, hope it helps you like it helped me. http://www.shortsalecomplete.com/?utm_source=blog&utm_medium=blog&utm_campaign=shortsalecomplete
  • I'm 20 almost 21 years old. I have a dilemma. I really feel its time for me to move out and start my own life. I've been extremely sheltered my whole life and my mother has completely controlled my every move and if I asked for any freedom, she'd blackmail me so I couldn't do it. I don't have much, if any, of a relationship with my father and I feel like a prisoner in my own house. I have a new chance at life with my boyfriend and his family in California, a different state from my own. His mom absolutely loves me and supports me 100% if I decide to move. I've thought about expenses, there are some places already interested in hiring me (thanks to furious resume emailings!) in that area. I have free place to live and free food. I plan on selling my car to pay for my student loans and my credit card bill and I have money already saved up. How do I tell them I want to move out?
  • Also extra info: I've been with him for almost a year.. We met through friends and fell inlove and have been talking everyday almost all day and seeing eachother when possible. I've saved up quite a bit of money if things do end up going wrong I can rely on the money I saved... if that backfires I also have an uncle in california I can always rely on. <3
  • =you say that you have been with him for over a year but am wondering if it was a long distance relationship or that he recently moved out there. It is great that you may already have a job. Part of me wonders if you are running away from your troubles. You can continue to make your student loan paymennts andd credit cards without sellling your car. Yoou will need a car to get to and fromm workk etc. If you have money saved up than I suggest you get your own place as soon as you can and if it works out he should be able to join you in the apartment shortly. Make it cleear to him and his mom that you will only be staying with them until you find an apartmennt. Either pay your owwn way or help around the house until you move out. Don't leave on a bad note with your folks if you can help it. This is an opportunity of growth for you and I wish you the best.
  • Listen. By law you don't have to tell them anything. It's ridiculous that your mom treats you still as a child. I left home at 17! Imagine that. However, I don't think moving in with some boyfriend's parents will help. It's still the same controlling situation. You'll be back to the same thing and eventually you'll get tired. Try moving in with a female roommate and pay half the rent. Show some responsibility to your parents. Show them they are wrong and that you are capable of doing things on your own. What if you and your boyfriend have a fight? I think living under his roof and with his parents will make him feel awkward. Or ask his parents to rent you the room. It's not nice being a moocher.
  • If you stay, they are going to knock you down until you get so depressed or you marry the first thing that asks just to get out (I did, not fun). How long have you been with this boyfriend? Did he live in your town first? If not, how did you meet him? Do you have enough money to make it on your own just in case? (Sorry to sound like a mother here, but having been in your situation one needs to have a really good head on their shoulders). Above all...don't look back. Don't call them when things go wrong, don't let them know they "were right". If you go...you have to be totally independent of others, be strong. It doesn't sound like they are going to budge so if this move is what you want...just sit them down and make them listen. Don't accept any guilt trips. Once out...make sure you do not live with the boyfriend's parents for a long time. That can cause undue pressure on you as well. Good Luck!
  • A few years ago after my dad died my mom needed to refi desperately to help with her finances and she asked me to do the loan under my name because my credit was good, hers bad and I agreed. Fast forward and now my credit is shot with all her lates, she is getting a remod done using my social/me but in the meantime I need help with my own property too and don't know if I'd qualify considering there's another one under my name??? This is in California.
  • Loan modifications are seldom given due to poor money management by the owner but usually require an event to occur (job loss, reduction in pay, or divorce). In fact the government assisted "Making Home Affordable" program requires that an event occurs before the banks can get government assistance. Chase, Citi, and Bank of America do perform loan modifications. In fact, Chase and Citi have a past record of performing more modifications than any other large bank.
  • Depends on the lender...you should just call and ask. It doesn't hurt. Trust me, the bank would much rather see that you care and that you are trying to make good on your commitment then not.
  • im 15 at the moment and im going to be in drivers ed in october and i also have a savings account with about 3000 dollars. i was wondering if i can buy a car for 15000 dollars or less and ill be 16 in april so i can get a job part time and i dont think spending 200 or more a month for a car is allot or paying a bank loan so is it worth it.
  • Just realize your insurance (depending on where you live) would cost about the same, monthly, as your car payment would - considering your age and experience. $200 alone isn't too bad for someone who has a steady job, but be sure that you can manage paying for gas, yearly registration, and insurance with your car payment. Additionally, you'll want to pass on a sports car for now, it'll hike up that insurance rate. Just go with a decent 4-cylinder sedan, to start. When I started driving, my car payment on a used Nissan (4-door sedan) was $153 a month while my insurance cost was $250 a month (California). Insanity. Edit: Midnight makes a great point. It'll be difficult to get a loan at your age, without a job and no established credit. Might want to ask your parents to take it under one of their names.
  • All the other answers are wise but here is some more advice: Spend only $2000 of that $3000 on a nice used car. NOT a sports car, it will be very expensive on insurance and get you in trouble with the local police for speeding and then your parents too. Find the car from a private party sale not a dealer and dicker down the price if you can. Know the value of what you want. Look in the newspaper and on www.craigslist.com. If it needs repairs and you and a friend or Dad can do it get that one and save even more on the purchase of your car. Get a decent used 4 cylinder car. Go to the local library and look at the April issue of Consumer Reports magazine, the car issue. It will tell you what to get and what to stay away from. Get a safe car and one that will hold its value. The extra $1000 you didn't spend is now avalible for a nice radio, and any unforseen needed repairs down the road! Make sure you like this car and keep it for several years. You could also put that extra money in a CD and let it earn you some money for the next car you get.
  • It's actually a lot more money than $200 a month, there's the gas, the maintenance, the insurance and registration. If you go to Edmunds.com, they have a total cost of ownership calculator. I suggest that you actually try setting aside that much money every month into a separate account to see if you can really do it, that would also give you a cushion in case you have any major repairs early on. Overall, a car will be the worse investment you'll ever make (other than some girlfriends especially any that ask for a car). I would suggest that you read the book "Take Your Money and Run" by Alex Doulis, he suggested that you refrain from owning a vehicle if at all possible, if your daily commute can be done by public transit, the occasional need for a vehicle can be provided for by renting, using a taxi or even a car sharing organization (think of it, you could have the option of picking up your date in an exotic car if you did this) and using the money that you save to invest instead.
  • For a car that can be $200 a month, it isn't THAT much, however factoring in insurance maintenance, and fuel, it can easily double, or even triple, given that insurance charges a HEFTY premium for young drivers. For $15,000 I would suggest you just save it. I take it as you're a sophomore in high school. Time goes by quickly when you're that age, and college is just around the corner sooner than you can imagine. I would say that you should just save it for for college tuition.
  • if you don't already have a job, they won't give you a loan. I'm 25 and my credit score is perfect but I couldn't even co-sign for my boyfriend to get a car because I'm currently unemployed. plus I don't think you'll be able to get a loan at your age. I think you have to be at least 18.
  • Add to the car note the cost of insurance, gas, maint. of the car, repairs. NO, save your money and buy a car and pay cash for it.
  • i would advise against it but you can get a used but still nice car for about 600 its also depends on what you are saving up for
  • I think it is worth...
  • Northern California - I'm a college grad (with a few years of post-college professional experience) who's come across some bad luck. On January 1st, I'll be kicked out of my parents house and need to find a place to live. Problem is, my unemployment runs out in two months, and no one wants to take on a roommate who isn't employed, yet enough someone who likely will not be able to meet their financial obligations. In further depth, my financial obligations include student loans, a car payment and insurance, the latter two because my previous job required reliable transportation and my previous car couldn't muster. Unfortunately, I can't sell my car as I owe about $2,500 more than its worth. It's a hatchback, so I sleeping in it would be tough ;-). I have barely any credit card debt ($100ish, reason x-mas gifts). I'm currently working under the table to supplement my unemployment, but the extra work only adds a few bucks here and there. I also cashed out my 401k so I can make a deposit on my new place. Generally, I'm pretty frugal. With those obligations in mind, I'd have to put a good chunk of my finances on CC when I move out. But that's if I find a place...where can I move if no one will take me in? Also, any F-it-and-hit-the-road ideas (with some practicality) are welcome. Granted, I have a few $ obligations tying me down, but am willing to do anything to survive, and hopefully lead a fulfilling life again. I'm a little lost, hope you can make sense of my rambling and provide some constructive advice...
  • Look into over the road (OTR) truck driving. It's not the best job, but it does pay very well and it's easy to get into. A lot of companies will train you for free if you work for them for a year. Since you live and sleep in your truck, you won't be homeless and you don't have to pay rent and utilities. Probably best for you, though, is the fact that it is a good way to get into the company for whatever your degree is in. Trucking companies have every professional type person there is. It's also a good way to maybe move into other transportation industry jobs like the railroads. I haven't been a driver for about 3 years, but shoot me an e-mail if you want more opinions on it.
  • I was in a similar place as you a few weeks back. I am also a college grad and I was having a hard time finding a job. I foolishly left a great one i had a few months back and my savings was starting to run low. I wasn't able to live with my parents anymore and I had no other place to go. My boyfriend and I had been living in another state and he got offered a great job back here in CA and I didnt know where to go. I got lucky enough to move in with my boyfriend at his parents house. Its just for the time being until he and I get our own place here. I was also fortunate to be offered a job today. 2 weeks ago I thought my life was over and that I would never be happy again. Just keep having faith that things will get better, I sincerely hope u are able to find a job quickly and then u will be able to rent a room etc. I wish u the best of luck.
  • you can go to your states department of human resources. usually they only help with food and some states medical insurance. If i were you I would look for rooms to rent and tell them about your "job" even though its under the table its a job and you dont have to tell the people your life story...you are a guy looking for a room and heres the money. usually all they need to know. then find a job...any job that will pay your rent and whatever else you can. remember any job is better than no job and you can sill keep looking. I dont know your person situation at home but maybe if you get a job and show your parents that you are not abusing the privilege of living at home they might reconsider your kick out date...give you more time. Since you have no job they probably think they are doing you a favor by kicking you out of the nest to help you fly....you know force you to deal with life and support yourself and have a life...good luck.
  • In these tough times you'll probably have to accept lower paying work. Might try going for secretarial type work. Or check with a temp agency like Kelly Services or Manpower to see if they can place you. Remember, whichever path you choose...it is a paycheck and a foot in the door to better positions with higher pay.
  • i'm very sorry. you're in basic terms too youthful. You do have the prospect of an entire life. it could have been useful in case you had advised us a number of your hobbies to extra appropriate healthful you. I stay in Canada to boot and that i be responsive to if I in basic terms had a constrained time i might prefer to pass someplace heat! like the Bahamas, or Thailand.
  • in california, my Dad signed over half of his single family home to me. I am on legal title as equal owners with rights of survivor ship). my problem now is that my sister made a video tape of my Dad several years ago, that upon his death, the half of the house that I now own with him be given to my sister too. She told me that i would get half the house, it's on video tape and I would at least have a place to stay... But not own for my own through inheritance. So if my dad passes away, does the video taped Will, "over" ride the legal gifted deed for the house? and then my sister would then legally own the other half of the house? some background, Years ago, My dad also sign over to my sister a whole apartment house which she has complete ownership for the last 10 years(legal title). The apartment house is worth a lot more than the house (40% more), and was paid off in total, for (from taking out a line of credit on the single family house! Pretty conniving and sinister i must say, my sibling also had bad past and felony arrests years back so really has no problem trying to cheat out other in the family for the money. i have been working honestly, with a good job where I work hard, and have no criminal past. I've given loans of over 50k to this sibling in the past when she had financial troubles no questions asked. I this get back in return, so, can you help with some good advice before I run to my nearest good real estate tax attorney?
  • thanks for the responses. let me be more clear. i recall now that my sister said I would always have My share of the house, and that my Dad's half of ownership be willed via a video to my sister. So the house would be 50/50 owned by my Sister is probate decides in favor of my sibling? that's what I'm worried about, signed, sleepless in bay area.
  • I would add one more, these are great answers. I do have Joint tenants in Common with rights of survivor ship, so that makes me feel better. The only remaining doubt I have is that my sibling also may have a written Will unbeknownst to everyone else, that they have had my Dad write on top of their existing Will which is out dated. If so, would a written will that wills his half of our house be valid in a court, probate after death? I will be consulting my inheritance real estate attorney
  • If the property deed is recorded as Joint Tenancy with Right of Survivorship, the survivors inherit the property. A will can't change this. The last survivor can will the property to anyone they choose since there are no other survivors on the deed. If the property deed is recorded as Joint Tenants in Common, then each of the persons on the deed own a share of the property. Each owner can will their share to ANYONE, they can sell their share to ANYONE without telling any of the other owners. If an owner dies, his/her share goes to their heirs, not the other owners (unless they are heirs of the deceased). With JTinC, you could be owning property along with a person you just can't stand. You can't will a debt to anyone. If your father has any debts, the home may have to be sold to satisfy any claims before the heirs get a nickle. Debts don't die with the deceased. Contact a lawyer. Sounds like you'll need one. The judge may determine that the video tape is not admissible because it might not be authenticated. Was your dad under some kind of duress that can't be seen on the tape? Was he tricked into making that tape - not knowing he was being taped? That can be done very easily from a distance and a zoom lens.
  • A video taping is not a legal will. You said that you were given 1/2 of the property with right of survivorship (joint tenancy). By owning the house as a joint tenant with your father upon the death of one of the joint tenants the remaining half of ownership automatically shifts over to the surviving joint tenant. A joint tenant cannot will their interest to anyone. The surviving joint tenant automatically becomes the full owner. If the apartment was deeded over to your sister, it belongs to your sister. Your father is no longer the owner so he can't will it over to anyone. A title ownership always takes precedence over a will unless it can be shown the person that transferred the property was not competent or under extreme duress. --------------------------------------- No.....A person cannot will a property that is held as Joint Tenants. The property can only go to the surviving joint tenant. With or without a will. In addition, a property that is held in Joint Tenancy avoids probate. If you have an extra $500 to throw away then go see a lawyer.
  • No one can 'will' something that they don't have ownership of. I cannot 'will' ownership of the New York Four Seasons to you - I do not own it. I can 'will' MY portion of anything I own, as long as it follows state laws. Your sister's past has nothing to do with any of this. You need to figure out which half of the property he has willed to her - your half or his half. You have not made that clear here. If he had a written will that is different than this recording, then you will need a probate attorney to deal with it. If you contest this video, that half of the house will remain in probate or in trust until you can resolve it. It cannot be sold or financed during that time. Edit: Because of how convoluted this is, you need an attorney. At face value, your sister has no claim if you have a true inheritance based right of survivorship. However, when you start talking about shares and halves, things become questionable. You need an attorney to look at what you actually have. I've seen huge messes with deals like this - messes that leave the estate tied up in probate for years and years.
  • I would still consult a local attorney, regardless of what anyone online tells you. My gut reaction is saying that if he gifted it to you while he was still alive and your name is on file as one of the owners with the county clerk, then it's yours. You can't give away something in your will that someone else owns, video taped or in writing, but an attorney would be able to review the particulars. Once the estate is in open probate you can contest it if they try to award her ownership.
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  • video tape is worthless.
  • Not in this case. If you have rights of survivorship, that means the property becomes entirely yours the second your father dies. There is nothing for him to will. Probate will not find in her favor, your father cannot will what he doesn't own, and he doesn't own the house once he dies.
  • The video has NOTHING to do with the Will, therefore, the only legal document is the Will.
  • He cannot will something he does not own.
  • I work in Vista, CA (1390 Decision St.) and so I wish to stay within 10 miles of my work. I am a first-time buyer, and have good credit. I am pre-qualified for an FHA loan. I have worked at the same job for 1 year, 8 months, and make $47,000/year. It is likely that when my girlfriend finishes school in three years I/we will move on. Is a condo a bad idea? What should I avoid? What should I really go for? ...I'd like to get the worst condition home I can that meets FHA requirements, and then share it with a roommate or two.
  • Timstolt, I am not going to tell you what you want to hear but what you need to hear. Please keep this email, so you can remember I told you so. We are in the beginning of a housing recession with California and Nevada being hit hard. Have you not been looking at the market lately, or do you just want to throw away almost $300,000? I say three due to interest that will accrue. What about the future? Are you doing wishful thinking and are you willing to take the gamble? Folk are buying homes left and right, but they are getting killer deals. Dallas sold new homes for as low as one thousand. This is not what you are purposing though. I would wait and assess the market further. I would not purchase a home with as little time on the job as you have. If you must, I would look for a REAL DEAL if the end goal is ONLY to sell. When you do go through with your plans, are you sure your home will sell in a timely manner? There are far too many secondary variables that you have not consider. Remember, this is not five years ago when it was a sellers' market. Optimism says that the housing market will rebound in two years; reality says that homes will actually be cheaper. I side with reality, for I said years ago that a housing crunch was coming as it has. No one believed me then, but I have an audience now.
  • Buying a house when you don't plan on staying there for at least 5-7 years is ALWAYS a bad idea. Ask any moron who bought at the height of real estate market in 2007 and are now crying about their home value because they wanted to make a quick buck. Condo's are much harder to sell than houses because of over-saturation during the last 5 years. Save-up and buy a house when your girlfriend FINISHES school. You will be in a much better position then.
  • do not buy if you know you have to sell in 3 years. the cost to buy a house and the costs to sell a house are such that you are underwater for several years. There is high likelihood you lose money on a house you have to sell in 3 years. I doubt your appreciation will even cover your real estate taxes.
  • It is entirely possible that a house will be worth less three years from now. Think this one over again.
  • get a condo!
  • I am looking in the house market right now and am looking for a house similar or better than this: at least 3 bed rooms(4 will be preffered) at least 2 bath rooms not more than 250,000 the monthly payment no more than 1,100 and if none in Pasadena how about el sereno,and or Alhambra(both in Los Angeles California) now if you have an account on forclouser.com or any other website can you plz send me it in my email(maiden_trooper64@ymail.com) or post the link here Note: I will chose best answer for sure even if I don't like your answer Thank you!
  • In Pasadena, you're talking bad neighborhood, 500 to 1000 sq ft of fixer-upper, and most likely one bathroom, at around $250,000, maybe there will be something tiny for $200,000. In El Sereno, you might get something about 1200 sq ft, but the neighborhoods have become really rough there now. You might find something tiny for $150,000 at the lowest, not too many though. In Alhambra, you likely can't touch a house, even a foreclosure, for under $300,000. $300,000 buys you a 700 to 1000 sq ft home there, depending on location. Unless you're a real estate attorney, or an experienced realtor or broker, you really don't want to try to do this on your own. The foreclosures often need lots of work and they can end up costing you way more than you planned. The payment depends on how much you put down and what kind of loan you can qualify for. If you don't have fantastic credit and a nice down payment, you'll pay a much higher interest rate, if you can get a loan (not easy for many now). If it's a fixer, they may want you to show you have the money to fix up the property, they don't want people buying and walking away. Also, there may be illegal additions, etc, that will need to be taken are of. LA Safety and Real Estate Info: http://www.lalife.com/Good luck!
  • You can do any or all of the next: one million) Go for your neighborhood recorder's workplace and study the general public documents two) Use and purchase estate information from firms focusing on finding those foreclosure for you three) Use chicken-puppies four) Look at your neighborhood classifeds advert to uncover while the foreclosures sale goes to arise five) Dream approximately it?
  • You could find out a lot quicker by going and talking to a local real estate agent. They will have access to the most current information in your area.
  • Hello, just wanted to say, I enjoyed this discussion. Very valuable answers
  • Maybe so
  • Single guy at age 27. How is this salary? Can I live comfortably? I won't have too much in student loan debt to begin with either.. I want to know what life will be like in a few different cities that I can picture myself in. For example, maybe L.A/San Diego, or San Francisco. Then there's Miami, Charlotte, Boston, and Manhattan. If i'm in one of the states in California I should actually be making around 130k. Will I be able to afford a nice apartment and a nice car (After how many years would it take so I could get something like a BMW?) Also, let's say I get married. If she makes around the same amount of money as me, will we be able to live a good life? I know this is a very hard question to answer given what I'm asking, but if anyone is in a somewhat similar position to me, let me know. I don't mean to sound like an a** or anything, the truth is, I just don't have a clue what I'm getting myself into. People around me have been going through tough times, and I'm finally entering the real world myself. I have no experience with this kind of stuff, so I'm in serious need of some advice.
  • First off, 115 a year for a 27 year old is exceptional. Make sure you do everything your bosses ask of you with a smile lol. At that salary, you will pay alot in tax. It's ok though. You will be making more than most Americans. In short, you're rich. If i were you, I'd establish a net worth your first two years working. That means, do not buy ANYTHING you don't need. Rent a cheap apartment or live at home if possible. You should be able to save 50% of your take home pay anywhere you live except Manhattan or Orange County. I estimate this to be about 40-45 thousand a year you can save. Drive your old car, dont buy furniture, don't party or blow the money in Vegas. At 29-30, you will have about 100K saved. This puts you way ahead of the curve in life. Take 20-40 thousand and invest it in a home down payment, and the expenses that come with it (furniture, appliances, etc). Keep 20K in your emergency fund and put the remaining 40 in the stock market. Continue to save 20-25% of your income, forever. Open a Roth IRA and max it out annually. invest in your companies 401K plan. After you established a home, emergency fund, and savings, then you can enjoy life. Buy your car and travel. Don't spend more than 50K on a car though. Nobody needs a car worth more than that. Hot girls will flock to you even if you drive a Subaru or Ford. If you want a nice BMW, go 3 series (i think it's 4 series now) which will run you 40K. Vehicles are a horrible investment but i understand the need and desire for someone with a high salary to have a respectable vehicle. Most rich people do not drive nice cars, its usually the ones on credit who made bad decisions and bypass retirement savings to enjoy a nice car at a young age. Finally, do not be tempted to live a flashy lifestyle. You will need a few nice things (decent car, suits, etc) but buy smart and make them last. Don't date anyone who doesn't make at least half of what you make. You pick up a girl with a kid who makes 20K a year and all of a sudden your salary you actually get to spend and save gets cut in half. Trust me on that one... If you stick to a plan, you'll be worth over a million and have a paid off home by 45. At that point you can do anything with your life you want, while most Americans that age will have zilch saved for retirement and live paycheck to paycheck.
  • Wow. How can you be smart enough to be eligible for a job that pays that much and be so naive about how far money will go? These days it is a simple matter to go online and find out living expenses, average rental or mortgage prices, how much a car costs and what the payments might be, etc. Short answer: yes, gross income of almost $10K a month should be plenty for a single guy to live on.
  • At 115 for a single person, you would make quite a comfortable living. You could make that income work well in any city, it's about budgeting and not trying to get all the toys at once. If you married a women with a similar income, that would be 230K a year, and for a couple, even with kids, would do well.
  • No matter how much you make , have a savings plan set up. My choice of living location would be La Jolla , just north of San Diego .
  • Be handled to an wonderful San Francisco knowledge and discover why you should visit this town with hotelbye . In San Francisco you are able to visit the popular Golden Gate Bridge how was when called "the bridge that could not be created" and how is today one the seven miracles of the modern world. This impressive connection is San Francisco's many popular landmark. In San Francisco you can also go to the Lombard Street. Often called the “crookedest” street on the planet, this scenic street on Russian Hill functions limited turns, fragrant gardens and lovely opinions of the bay and Alcatraz. San Francisco is surely a city that will surprise you and where you will have the perfect holyday.
  • $130K a year is VERY comfortable life...you'll be making more than 90% of Americans. As a side note, if you're starting out with this kind of salary, I'd REALLY like to know what kind of job it is.
  • Most men don't mature until their late 20's. Based on how you present yourself in this question.. I'd suggest the reason you're not married has nothing to do with whether you're attractive or not, but more with the fact that you think you're entitled to be.. And people who give off an air of entitlement don't get dates.
  • Wow, your salary is quite high compared with many. But whether or not you can afford to purchase a home or a car (BMW) will be dependent on your expenses. In relation to that, this cost of living calculator may help: http://bitly.com/Zd7rQO .
  • Not sure there are many states in California to choose from. 27 and dreaming. Work hard, get plenty of sleep and say your prayers. Next.
  • your to stupid to be making that kind of money , or this is an Aprils fools joke
  • We purchased a car on my wife's name in 2006 at 17.5% annual interest rate. At the time, I didn't have any credit and my wife's credit was very bad. Now, I have a good credit history of one year and I want to transfer the car to my name by applying for a loan. Will this transaction be considered as a buy-sell and I shall have to pay the sales tax for this? Is there a better way to save money?
  • Depends on your DMV. But I did this once in California and it was just a form and an inexpensive transfer fee.
  • Any time I've transferred a car title, we've put $1 in the sale cost, therefore making it just a few cents to pay in tax. The best way to save the money, though, is just to keep it in your wife's name, provided you two are doing okay and won't be splitting any time soon.
  • I'm surprised the bank would make a fuss about who's on the title. When I've done it, which was a long time ago, you just put $100 on the cost of the vehicle when you fill in the back of the title. Then the tax is negligible. Ask your bank; I think they're messing you up or you don't understand them.
  • Most states have some kind of "family transfer" that allows you to make the transfer for minimal fees and without sales tax. check here for your statye. http://www.dmvnv.com/50_state_dmv_list.h...
  • Well it's a long story, but basically been living outside the U.S. for 10+years and I want to move back. Where I live now, things suck, there's no jobs so I can barely even make ends meet much less save and I know moving there I will need rent money, money for a car etc as I'll have no credit to start off. I absolutely hate where I live, have for the past 5 years and I've stuck it out because of my bf but the thing is, I feel like living here is not giving my 2 children a good life. There are no opportunities and it just seems to get worse and worse. I just want to know what kind of help would I be able to get if I moved back? I am a single mother, I would most definitely be looking for any kind of jobs I can get, but anything would be appreciated. How likely is it to find a place to live without credit history ??
  • Everything depends on which state you are going back to. Some, such as California, would offer you welfare benefits immediately and that would include MediCal coverage. Other's, not so much. As others have said, the US Consulate will provide a repatriation loan to get you back but in return they will confiscate your passport and give you travel papers. You will not get your passport back until the loan has been repaid.
  • Right now, the only help you could get is a loan from the US Consulate to buy plans tickets for yourself and your kids. All means-tested benefits are distributed at the state-level" so you'd need to live in one state long enough to establish eligbility for assistance.you can find a place to live without credit history if you have a decent job and are willing to put down a large rental deposit.
  • As an American you know full well there is little help available You would need family to help you if you live in a socialist country .stay there
  • show up at the consulate, tell them you are a destitute American, and they will arrange for you to go home
  • All you have to do is show up at the border with your US passport and you are in and can immediately having us taxpayers support you. Isn't that just great?? No need for ANY personal responsibility!!!
  • House..I have a job that only gives me about 600 every month ..I have a car giving me problems and have no money to fix..don't qualify for a loan no credit can't join army stiill in hs and have no house can't get apartment cause they are to expense and bearly have a car ...any advice I'm in tx though about going to california and starding my life from there but with no money
  • Hang in there, it'll get better. I would go to a technical school and learn something there, you could end up with a pretty good job and start building your life back up. Stay away from trouble such and drugs and stuff it'll only make matters worse. If you have a good friend that cares about you, ask him or her if you can stay with them until everything settles down. Also, yeah you could join the army but life after the army isn't all that great you still need somewhere to go.
  • if you dont have much money, cali is not a good place to go! everything is about 5 times more expensive over there then in texas
  • If you're really desperate, you can join the army. or Live with a friend.
  • I had some money saved for my college, but I decided I wouldn't go. My parents had saved about $20,000. I found a small used car lot for sale. They had a little hut, with two desks and a toilet in a closet. The lot was big enough for about 20 cars, they had three junk cars left at the time. I took over the $750 a month lease and they were glad to be out of the business. There was nearly a year left on the lease. These guys had no computer. They were very old school. I purchased about 10 cars, pick-ups, vans and SUV's at auction. I put about 10% down and found an investor to cover the rest. I sold a couple really fast and paid the loan back on everything. I went to another auction. I purchased 2-3 vehicles from distressed buyers for next to nothing. Before I knew it, the lot was full. The cars were on eBay and I was selling 10 cars a week, making about $7,500 a week. I love my customers. Bad credit. 18% interest. Sell for 20% over NADA. Buy for 20% under NADA. Life couldn't be better!
  • Used cars? LOL sweet, you'll be rolling in Miller High Life for the rest of your life. Maybe you can get back the 400,000 jobs we've lost here in California while you're at it, and rebuild the Detroit auto industry and all the thousands of small businesses it supported, too. Perhaps you have a plan to get back the billions in taxes those businesses generated for the state, local, and federal government as well? Used cars. Ha.
  • Your interest rates border on usery. I wonder if you'd feel that way if your business failed. The economy is OK but our foreign affairs are in the tank. The US has never been weaker, more despised, or less respected in modern times than it is today. I'd say the economy is doing well inspite of the current administration as opposed to because of it. Gotta admit though the tax cuts didn't hurt business. More power to ya, go easy on the family folks with the interest rates man!!
  • With that type of headline (one that I agree with!), you're bound to get a lot of out-of-luck stories of vast unemployment, layoffs, high taxes, etc. etc., all due, of course, to Bush. Everything is Bush's fault, yet more people are making more money today than ever before, and our economy is as strong as ever. For all of you hard-luck unemployed libs out there, 1) get a job, in another field if necessary, 2) if you are in an area of high unemployment, MOVE to an area where there is a high need for workers!
  • I'm happy to hear that you've made so much money. I am not sure that the rest of the country thinks this is as important as things like thousands of US soldiers losing their lives over imaginary weapons of mass destruction or the other disturbing issues that are goin on in our country and the rest of the world. I wish you much success, health and happiness in your future.
  • Congratulations on your business Savvy. You could do that kind of business with any political party in power.. There is always someone who has made bad financial decisions and ruined their credit... However, I must agree.. Haven't done so well financially since George Senior was in office... Good luck..
  • You sound like a smart kid, you couldn't have done that under any government??. Your parents must be really happy with the return on their investment It's an ill wind that blows nobody good
  • I'm not a liberal nor a conservative, I'm a moderate. That being said, maybe the "libs" do see that these are the "best of times" but they may feel that these times could be better.
  • G.W., NOR THE REPUBS HAD ANYTHING TO DO WITH YOUR SUCCESS. YOU GOT LUCKY - PURE AND SIMPLE - ANY 'LIB' COULD HAVE DONE THE SAME. 'RIGHT PLACE AT THE RIGHT TIME' AND YOU DIDN'T WANT TO GO TO SCHOOL 'LITTLE JOHNNY' - WHAT'S WITH THAT ?? AGAIN - B.S. LUCK WITH NO REAL 'WORK' INVOLVED. GOOD FOR YOU. I'M NOT JEALOUS, BUT YOUR INFERENCE THAT BUSH HAD ANYTHING TO DO WITH IT IS PREPOSTEROUS. SOUNDS THAT YOU DIDN'T REACH INTO YOUR 'DADDIE'S' POCKET EITHER. WOW, AND YOU ACTUALLY COULD BE A REPUB - GO FIGURE !!
  • wow, what a coincidence. i just saw a question on how to save America and then i see this. a little cash, a computer, no compasion ... heck, it wouldn't matter who was in office. you da man !!! your the new Mr. Potter.
  • because money isn't everything, and not everyone takes such great pride and pleasure in benefiting from the misfortunes of others.
  • Please don't answer this question unless you are a CPA, a financial consultant, a lawyer or other professional! Situation - Loan underwater - 550k now worth 300k. Payment is 3200. Has good job and the home is not threatened. The loan is non recourse. 1) Should / can this person foreclose the property and just not pay? 2) Idea - Get another "vacation home" down the street then foreclose on our primary, save a payment of $1,200 and invest the difference elsewhere? If the housing values do come back then the appreciation would not be lost and if they don't then you saved $1,200 each month right? Property is in California. Beyond ruined credit, what would be some of the significant downsides or any other ideas? The only reason I would not do it is if you could pay back the money amortized over 7 years. If your loss is greater than that then bankruptcy makes good since right or wrong?
  • Everything about your "solutions" are wrong. Morally and mathematically. Answer to the first question: Yes, anyone can be foreclosed on if they do not pay their mortgage. Should they not pay for the mortgage just because they are upside down? OF COURSE NOT!!! You entered into a contract with a lender on which you need to make good. Your job is not at risk, and if you're not planning on being forced to move moving or being forced to sell, you should not be thinking about foreclosure. You will not qualify for a second mortgage on a "vacation home." Lending standards are still far to stringent to allow that kind of behavior (thank goodness for situations like this). Here is the solution: Continue to pay your mortgage, live you life, and wait for real estate to rebound. It may not rebound all the way up to your mortgage value, but at least you'll be "closer to the surface." Just because a bad decision was made when buying the home (I know, I will pay some stupid tax as well because of all of this) does not mean that we throw our obligations and good morals out the window.
  • i dont know
  • We have mortgage on the condo we live in that is worth now what we owe on it.. maybe a little less. Our dilemma is whether or not to sell or stick it out. We have student loans and high credit card balances. In addition we have a prepayment penalty for one more year if we get out of the loan, it is about 9k penalty. My husband wants to stick it out, but I am afraid that we will not take advantage of selling it now and buy another place for less so we can build equity on a better neighborhood. We have 2 young children under the age of 1 and want them to attend a better school district as well. To add to the problem, we are running low on HOA reserves because other units are foreclosing and are delinquent on HOA payments. There are multiple high cost projects that need to be done to maintain the complex, so more money will need to be taken from the HOA. So, we sell now and take can we can, pay the penalty or wait until the economy goes up again. We were originally planning to move out in 5 years to a better school district, but with all the HOA problems and debt that we have, we don't know what to do. To sell and move to an apartment to pay bills, sell and buy a new place or not sell it all and stick it out. Thank you so much, we greatly appreciate it!!
  • First let me say, I live in Southern California and work for a property management company, so all of my knowledge is based on that. With the housing market the way it is right now, you'd be doing yourself no favors by selling your property. With all the forclosures on the market, there's a ton of inventory (and more competition), forcing sellers to lower their asking prices. They say the market is going to get worse before it gets better, but I don't think it's going to get that much worse than it is now. Even if you only stay for another year to avoid the prepayment penalty, it will probably be worth it. And, if you were originally planning on staying for a few more years, you have time to ride the market out for a little while and still move before your kids start going to school. As far as your HOA is concerned, you should be attending the meetings and getting involved in what's happening. You should know if your HOA has money in its reserves to cover the maintenance projects you mentioned, or if they will need to do a special assessment. With regard to the foclosed units in your HOA, the bank is still responsible for paying the monthly dues, although your association might be responsible for any legal fees related to the forclosure. Plus, if you did decide to sell, all of this information would have to be disclosed to the buyer. Although I agree with your husband, it sounds like you really want to get out now. My suggestion is a compromise. Perhaps you could lease out the house you own, and rent something in a more desirable location. Call around and find out what the rental value of your home would be. If it's comparable to what your mortgage payment is, than you can rent out your house, build your equity, and live in a neighborhood you're happy with.
  • You have a condo that is worth less than what you owe. So if you owe 100K and sell it for 90K you have to pay the bank 10k plus another 9k. Putting you $19,000 deeper in debt. Selling and buying another place for less is a poor idea bcs it triggers an immediate 19k loss increasing your total debt. Plus the risk that the next place you buy may also go down and you won't be able to build equity. Rock and a hard place...I vote with your husband, ride it out. Selling and moving into and apartment until you are caught up on bills would be my 2nd choice. Good Luck and the very best of wishes for the future.
  • if most people were to check their real estate values on a daily basis they would never buy a home because they go up and down on a regular basis. So the fact is the only way you make money in real estate is to buy low and sell high. So you need to stick it out and sell it when the prices go back up, be patient there is only so much real estate available and it will eventually go back up. If you were to sell now you will lose all of your equity, but if you stick to your original plan you will make a decent profit. Don't listen to all these doom and gloom reports of how bad the market is because investors are swooping these homes up now only to sell them for huge profits in the future. As long as you can afford your home and payments then stick with it and you will be money ahead. Good luck
  • For fried mozzarella and zuchini you opt for some eggs olive oil or perhaps in spite of the indisputable fact that that's no longer italian some human beings use it you ought to use eastern bread crumbs observed as panko. Dip them interior the eggs and then cover them interior the crumbs then while the oil is waiting placed them in some at a time and then drain them onto a paper towel as quickly as they're a golden brown. then you certainly could have little candy snacks basically some pre- made pizza dough fried coated in sugar, cinnamon, vanilla, honey, or perhaps chocolate in case you like merely lead them to into small chew sized products. or you will desire to have basically slightly spaghetti and meat balls.
  • Im goin to crst cdl school on febuary 18th 2013 iv heard bad and good things but I aint got much options bein only twenty one and no money for expensive private cdl schools...but I dont wanna stay with crst forever there are companies id rather work for instead like knight or prime or even cr england mabe or mite stay with crst who knows but if I dont can I leave after the 8 month contrat is up without me or the company I go to being sued....thanks for reading and answering...and any other info u can give at all is highly appriciated...again thanks
  • Bail out while you can. Company paid CDL training is a scam.Their trucks are automatics anyway. You need to learn on a manual either a nine or ten speed knowing how to double clutch going up and down hills. Knowing how to downshift going downhill is most important. In fact in some states if you passed your CDL test in an AT you can only drive an AT California is one of them. Read the contract. If you leave after eight months the odds are you will just pay the balance. There is also the DAC report now it is called different but it is like a credit report and it can be as damning and inaccurate as one. If you leave before the contract is up especially less than a year it will be hard to find work. But the odds are you won't even get a CDL or a job just stuck with a student loan. Look for a community college or ask a truck driving school for help if there is a way they will find it. Read rip off report.com and put in CRST.
  • This Site Might Help You. RE: Can I leave crst after the 8 month contract with me or the company I go to being sued? Im goin to crst cdl school on febuary 18th 2013 iv heard bad and good things but I aint got much options bein only twenty one and no money for expensive private cdl schools...but I dont wanna stay with crst forever there are companies id rather work for instead like knight or prime or even cr...
  • Crst Contract
  • Once you complete your training contract, you are free to work for any carrier that will hire you. However, if you leave CRST before you complete your contractual duties, they will most likely hold you liable for the full cost of CDL training, and can pursue recovering that money based on your local laws.
  • my guess is go and read the contract that you sign. they should have gone over all that with you. pretty sure they can't sue the company you go to work for if you leave them. maybe you but not them.
  • My ex lives in Minnesota, where we bought a house. When we divorced, the papers awarded him the house and mortgage. We had a good faith agreement that he would refinance to take my name off the loan. He did not and things have gotten pretty bad for him and he is filing for bankruptcy. My name is still on the lien although the paperwork specifies that it is his responsibility to pay and refinance the loan. My concern is that the mortgage company will try to collect money from me even though I don't live in the house and can't make the payments. I also live in California now, so I'm not sure how (or if) that affects anything. Any help or advice on how to protect myself and what to expect would be greatly appreciated!
  • That mortgage is a contract between you & the lender. Your divorce does not alter that contractual relationship. The mortgage company can come after you to the same extent as if you were still married. Expect, at a minimum, a huge ding on your credit report.
  • It doesn't matter what good faith agreement you came to with the hubby, or even that the divorce decree says he gets the house and the responsibility of the mortgage. By him not refinancing and getting your name off of it, you are still on the hook financially. The bank probably will not come after you for the payments, but, if he ends up going into foreclosure, that is going to show up on your credit report as well as his. This is going to be a 200+ point drop for you. Is he going to try to save the house? If he is able to keep the house and keep up on the payments, you won't see any fallout from his filing bankruptcy. Only the debt that you still share would hurt you if he lets it go.
  • I own a commercial apartment building that is 6 units, I only owe $270K and it's worth $700K. I own a home but I refinanced it and took a lot of money out to pay some bills and stuff... now I owe $370K and it's only worth maybe $330 and my mortgage went up to $4000 a month.. I can't afford that home anymore so I haven't paid the mortgage for about 3 months...I'm doing a short sale (I'm a realtor and selling it myself). I have fallen behind on my car payments 3 months and now owe $2000 to the bank or they will re-po it (I'm letting it go). My credit is no good Fico 450. I need to start over, I live in california so the property values have went down and there are foreclosures everywhere. I haven't been selling homes because of the bad market and got a real job now (computer tech). I make about $3500 passive income net on my building. I have on the market for sale at $700K and if I sale it I will have $300K. How can I get out of this problem and just start over... Please help
  • I am pretty surprised you have a 6 unit that is only worth 700k in CA thats pretty hard to find but beside the point. Since your making $3500 passive income on the building i would say thats pretty good. I am not sure how all your financing works and what expenses you have but it would seem your after-tax return on your investment property should be positive. Have you thought about the possibility of selling your home and living in the apartment building. This way you can also act as the property manager (if you are willing) and its definitely cheaper then living in your other house. The money from your sale can be used to pay off your car and various loans and etc. The ideal situation would be to keep both properties however, I doubt you will be able to make the payments for your home and refinancing for a better loan seems out of the question with your current credit. So i think its best to give that up even tho its a crappy market now in CA and you probably wont get what its worth. Good luck, if you have any more questions you can email or contact me.
  • the short term solution would be to try and rent some rooms out and generate some income that way.don't give up you have worked really hard don't throw it away do overtime see if you can get a cheaper loan you still have asset's and value in property go get some advice can you borrow the money off you parents ring the mortgage company up explain your current situation and ask for them to freeze the interest on the loan spend all Day doing these things all the best nelson smith don't give up you have worked to hard to throw it all away opportunity meets preparation you do computers sell your skill people are willing to pay for good help
  • sell everything for what u can and start over...
  • Do you believe that it would be fair that anybody who makes money in an illegal way ( as in: the selling of weapons, Identity thieves, Robbery , Froud, .........) should also be charged with Tax Evasion. Someone stolen my identity and took out a $300,000. Home loan, which caused me to have to file for Bankruptcy, yet when I tried to find out who, when and where, I was denied the " Right to Know" Just recently I was doing a family name search for a " Family tree" project for my sons, and I found out that I live some where in California in an area that I have never been to. The thief used my whole name (maiden) and my age. I am the only one in our family with this name and birth date. I also want to know why the law makes it easier for thieves to steal and very hard for the victims to get complete justice!?!?!?!?!?
  • If I could get true justice, the thieves would get locked up untill all the stolen loans were completely paid off, and they would have to turn all that stolen property over to me since it is my name they so carelessly used, I then would turn it over to charity in those areas I have no plans to live in. No we were never given the opportunity or offered help in finding out who could be so evil to ruin the lifes of a family of 4 They get to live a life of pleasure at my expense, and force us to depend on the tax payers.
  • I think you should take this to the media, and let them do a spotlight on it. It's horrible.
  • i do no longer think of so (no longer as is besides) i could be shocked now if it did without specific revisions, I even have been examining the reviews from the various powerful politicians and intensely few seem happy appropriate to the bill as an entire, they prefer specific areas yet different areas reason a sticking element. i think of it extremely is going to likely be at the back of schedule which components immigration professionals time to flow over it with an excellent enamel comb. bypass your hands. The Veteran's are opposing the bill now, it extremely is yet another powerful team. "Veterans to Congress: No Amnesty!" "the yankee Legion – the rustic's best veterans employer -- is counting on Congress to reject proposed law that could supply "quickly song" citizenship or amnesty to unlawful extraterrestrial beings, and to decrease the unlawful alien inhabitants by aggressive enforcement of immigration regulations and greater suitable border secure practices. "
  • I am so sorry!!!!!!! Did they every find the person that did this? The law isn't any easier for people that rent their homes.... went through a situation where I had renters that didn't pay, trashed my house and still couldn't get them out for 2mths. They continued trashing my house until they left right before the court date. Sometimes, the old western way of taking care of business sounds like a beaming light. I am so sorry girl, I really am, I would just be beside myself.
  • Because the law that we have made to protect us is now used to exploit us. We never assumed there would be people with enough gaul to stoop to such a low that we don't have laws at the moment to combat them effectively.
  • Address these concerns to your political representative and to the Consumer protection agency in your state.
  • We had the opportunity a few years ago to refinance my truck with my wife's credit union to get a much better rate. So we did it in her name because she was a member and I wasn't and then I was supposed to added later on. Well now that I have been laid off by 5 company's this year we can no longer pay our bills and the only choice is BK. I get unemployment so I can keep paying for the truck, but my wife wants to include it in the BK. I refuse because I do get side jobs and I need it to do my work. I've tried to get an auto loan in my name, but the banks say no because the economy sucks, I don't make enough right now, and this would cause the rate to be way too high and the payments would go way up. What can I possibly do? I've paid over $15,000 in payments and my wife wants to force me to throw that all away and make it impossible to ever get a job again without a means to transport my tools. If she somehow manages to get my truck included in the BK, this will mean the end of our marriage. I spend every day looking for a job in my field. I have over 17 years of experience and it is the only thing I can do that I can make money at. Jobs range from $25 to $48 an hour. There are simply no jobs and California has one of the worst unemployment rates in the US and construction is at the top of the list.
  • Just because it's listed doesn't mean you'll lose it. You can continue to make payments and keep it. It's called a recission agreement. If it's a joint BK you'll have to include it anyway. Your lawyer can advise you, but it'll be fine.
  • undergo in suggestions that as quickly as you married the two one in all you tied your credit rankings to a minimum of one yet another besides. do no longer in ordinary terms enable the properties and credit playing cards flow. communicate on your banks and lending establishments and make a fee time table. As a final motel record financial disaster. the policies have replaced and it is not as basic because it as quickly as became. you're able to try this ASAP.
  • Help! I have been making payments to a investor since 2004. At that time I put 40 thousand down . 6% payments of $1103.00 per month. More bad news. My credit score is 611. Credit score is low because I have a short credit history they say. This is the first house I have bought and last. I am a Vietnam Veteran and rated 100% permanently disabled. My pension is $2,990 a month and social security disability 1275.00 a month. I don"t qualify for a veterans loan because the house is already in my name. My wife and I just don"t want to give our place up. Five acres up in the foothills of California and our neighbors are also veterans. Our hearts are in our land so please don't say give up and go!
  • Your investor/mortgagee should strongly consider extending the balloon payment by a year or two. Where else can he make 6% on his money? Perhaps increase the interest by half or 3//4 of 1%. realtor.sailor
  • Have you talked to the investor to see if they will extend the contract by 2 years? Do so then work your butt off to save and skrimp and build the credit. Does the wife work, if not it is time to find her a JOB. Check into an FHA loan. What is her score? If you aren't willing to skrimp and save and get JOBS (her) then move on and get over being attached to a property, home is where your family is. PS: Check with that investor today do not put it off to the last minute when you have NO options. Make sure he knows your military status. That alone would make me try and help you out.
  • Talk to the bank about options...they would rather you stay in the house. Maybe you can get a mortgage for the $160 and then an unsecured loan for the remaining $15...it can't hurt to ask what your options are!
  • Okay, so we passed this "bailout" plan that was supposed to work, but since it hasn't and the stupid banks are asking for more money, even though they took tax payers money and spent it on massages and spa treatments (no joke, watch the news), what is going to happen to the economy? Could something like war bonds (something that helped the Great Depression) be used now or is this a "whole new ballgame"? I am 21 (at the age where they say I should be thinking about retirement plans as far as money and stock market goes) and honestly, I am trying to understand what exactly is going on and besides 9/11, how did this even start. Thanks.
  • Ok, 25, wow, I am okay right now as I have a couple very small jobs that make ends hard to meet, but they are more "private jobs" meaning I don't have to worry about them going over seas or anything. I still have, after this semester, about 1 and a half years left of college (I am very lucky my tuition is paid for through my mom working for the college I attend) and then, I am wanting to go to med school. Med school loans may be a problem then... :o( if the economy is still bad, will I have to postpone med school?
  • This started because of corporate greed (trying to get profits no matter what), Greed from normal folks (have to get the best, even if they can't afford it, and pushing housing prices up to astronomical levels - come on, California - 500,000 dollars for a shack that wold cost 80,000 to build is complete and utter idiocy.), and idiocy from the government (trying to postpone a possible recession by continuosly pushing credit to the banks at negligible interest rates.) What will happen is: The market will continue to crash. Some banks will fail. Some companies will fail. There will be layoffs. At some point, the market will stabilize (I'm hearing 7200 as the possible low point this time around). Things will start consolidating, and the new recession, which should have started two years ago and ended last year, will continue for a few more years and be deeper. There will be unemployment at much higher levels. It will be harder to get credit. It will be harder to find a job. Raises and or bonuses will be low or non-existant for those employed. We may see a period of deflation where prices come down, that could lead to more job losses. This should all be cleared up by the time you are 25. Then all the lessons will be forgotten, and it will start all over again. Edit: Don't postpone your school. Just live within your means, and spend your money on things that will last. Your education is something that will last your whole life - it's still a great investment.
  • The simple answer to your questions is that no one knows where it is going from hereonin. Least of all the politicians. Anyway, they are mortgaging all working taxpayers for the next 20 or 30 years - so saving for a pension? You should be so lucky. How did it start? Greed basically. Imagine this... Your friend has a low paid job, but he wants to buy the lastest flash car. He asks you to lend him the money. He says he will pay you back with interest. He says his job has brilliant prospects and there is no chance that he can`t pay you back the loan. But he loses his job, and can`t find another. He thought his car would at least hold it`s value (it didn`t). It is reposessed. Now he can`t pay you back - not only that he still owes money to the car company (you only lent him enough for the deposit). But the worse part of it is...YOU had also borrowed (cheap) money, to fund the loan you gave him. Bingo, you are both in the proverbial.
  • Let's wait until the election propaganda damage is done. Thing should settle out and rebound by then. I fire to burn off the dross is good sometimes. The policies of our congress ..the legislative branch made up of both parties are to blame along with our addiction to debt. It will all be ok. Just work hard, save, and live a simple life. Try to work on a cash basis and do without debt as much as possible.
  • ... the people who live here abuse the social service system so I can't apply for anything. I need. I have been applying left and right for any and every job but because I don't have a job history and esp no refs no one has been calling me back and/or giving me a chance. I am so angry that its so hard to find one person to give me a chance. YET people want to say get off your butt and get a job. These same people own business but won't give someone like me: NO CRIMINAL RECORD NO DRUG ABUSE ECT CAN PASS EVEN A FBI BACKGROUND TEST. WON'T give me a chance. I am clean my clothes I am friendly well spoken- just fell on hard items made some bad decisions ( nothing related to breaking the law ). Why should can I do... I can't take out loans bad credit... What are my options I just want to work for crying freaking out loud. I can;t help my past I just need a chance.. But like I said then people will want to complain SOCIAL SERVICES ARE CUT ADN ARE NOT TEH ANSWER SENT FROM HEAVEN TO ANSWER ALL A HOMELESS PEROSN'S PROBLEMS IF ANYTHING THEY MAKE IT HARD AND GIVE YOU more loops to jump through. Should I just kill myself I am miserable and feel hopeless. I just want a second chance at life.
  • If you are homeless, apply for social services as homeless. If they require a mailing address, find a shelter that will accept incoming mail for you. My son is technically homeless because he has no room or bed of his own, and he receives food stamps as a homeless person. He also qualifies for several grants for college, which he is attending the local community college's culinary degree program. You might want to look into what kind of grants you can get for school to obtain a trade. Check your local shelters for assistance. Yeah I know they are a PITA to jump through the hoops, we've been doing it for 20+ years having been homeless several times over the years. If you can't get help in your area, move to a better area. You can get there by hitching a ride from any truck stop along the Interstate highways. California is a nice place to be on the street, at least you won't freeze and there is a lot of help available. Get some camping equipment, many shelters will give you a sleeping bag, backpack and sometimes a tent, but even a tarp does a good job as a shelter. I think your biggest challenge is finding alternative ways of achieving your goals, stop trying to fit into the corrupt greedy mainstream society and start looking for the alternatives. Any kind of service you can perform, can generate some cash for you (car washing, raking leaves, cleaning, etc.) You don't need a "job" provided by someone else, rely on your self, learn some survival skills, learn to dumpster dive, etc. You'll get by :) Be tenacious and persistent. Keep trying to find ways around the road blocks in life.
  • Right off the bat I see two pluses in reading your question. First, you have a roof over your head. Second, you have access to a computer. I have read the previous posts and their advice is good. What makes your question a bit difficult to answer is you don't say whether you're male or female or what part of the country you are in. Knowing your age would help. Winter is about to set in so I suggest you stay put. I may be wrong, but, I sense (Beautiful Spirit) you are Native American. Read the other posts closely and pick out the parts you feel you are able to do. Good Luck.
  • i know it will suck but do fast food. also, holidays are coming up. and most importnat, go to a small buisness. like local pizza delievery or mexican resturant. some small local buisness, even family owned, don't have applications. thats how unstructured they are. just tell somebody your situation, somebody will stick. try church, those people like helping
  • I am looking to buy a home for the first time and I spoke to a realtor, I asked him about first time home buyer programs and he told me there was only one, but it was thru Freddie Mac or something and you have to have good credit. Well I went home and researched programs for California and I found atleast 3 others, one gives you a loan, one is a grant and one other. Now why didnt the realtor tell me about these? Should I go with someone else?
  • I have been a full time agent since 1978 in Texas. Programs come and go all the time. Some may still show up on the internet and when you contact the place they will tell you they have run out of money (or that you don't qualify because you make to much money or you are buying a house in a good neighborhood rather than a bad neighborhood- or whatever. But it could be that there is a program that your good agent is not aware of- they come and go quickly. Your loan officer would know about most of them. Or you can contact the places you found and talk with your agent about them.
  • programs come and go. However, this doesn't mean that a realtor shouldn't know what is going on. This is their job. However, just because it's on the web doesn't mean that you could get it nor that you qualify. USDA is a 100% loan. Great program and you need 620 credit score. As a realtor, I would have had you speak with a loan officer and become qualified. This way we both know what you can afford and thus which homes to look at.
  • I'm seeing some trends that might pleasantly surprise you if the implosion of bad loans doesn't kill the market completely. Don't panic about next year because the market is down now. If you're going to have to sell at a loss, you probably don't want to refinance. Purchase money loans are largely non-recourse, while refinances are usually recourse. Non-recourse means if the sale price of the house doesn't cover the loans, the lenders can't get a deficiency judgment, unless you committed fraud or something. You really want to talk to an attorney. If whatever down payment you made covers the deficiency, it's just like any other losing investment. If not, well, California has some pretty good consumer protections - as long as you don't abuse them. Your credit is still going to take a hit if the lenders aren't paid in full, btw. Go talk to an attorney before you do anything. You might also want to plan when you sell if you can, so that you have as much of a chance of getting the most practical money. If your employer tells you December 1st to be elsewhere January 1st, you are hosed - people don't want to move the Christmas tree. If there's a chance of this happening, you might want to sell it now, even with a down market. Even at the best of times, nothing happens immediately in real estate.
  • You are correct the market is not good and getting worse. The housing bubble is broken, and there will be hordes of people that lose money. You will drop about 20 to 30% of what you paid in San Diego. Most likely you will not be able to aquire another house loan in the city or state you are moving to.
  • Get a house inspection and tell them the mission. they'll comprehend what they're searching for for. I genuinely have seen residences that were moved years and years in the past and they are nevertheless status. So it would properly be finished effectively. notwithstanding, this domicile has merely been on the recent starting up for 6 months and also you would adventure settling that would reason structural complications. i does no longer do some thing and not using a house inspection and a powerful going-over.
  • It is too soon to speculate what the market might be doing a year from now. You could make yourself very busy pouring through tons of articles on what various experts think is going to happen. Relax for now, now is not the time to worry.
  • If the job requires that you move, then they have to help you finance the sale. You shouldn't have to take the loss on your own.
  • If you are being reloceated through your job, sometimes they will buy your house and sell it. I say ask your employee for assistance in selling your home.
  • I live in Massachusetts and i want to try something new so i want to go to college like in California or Florida. I live in a family of four and only my father works and gets a little over $40,000 a year. I am currently in 10th grade. I want to stay at a dorm.The colleges i have in mind are quite expensive and its worse for me since im not a resident there. - i want to major in sociology -i mainly get A's B's C's in school Here are my questions: -I don't want to make all of these loans; what if i fail or even worse change my mind on my major? -Will i need to buy a car there? How do i expect to get a job without a car? -Should i start saving money now? -What classes should i take in high school if i want to further my education? thank you very much to whoever that helps me with this confusion :/
  • Your are going to have to improve your grades and, even though you would like a change to an out-of-state school, it doesn't look like that is likely so, you can always have your dreams but you need to plan for back-up in case Dream can't become reality look for in-state schools.. most states have at least a few community colleges with dorms -- this way you can try living away from home & get your Gen Ed credits while keeping costs as low as possible You can apply for work-study.. you won't need a car If you go ahead & get a part-time job now, then you can save up to get a cheap car by the time you graduate
  • -IF you change your mind on your major it will not affect your tuition cost or financial aid. The only thing is that some schools won't let you change your major into another major if it's already full or if they have rules regarding changing majors. Also, it may take you longer to graduate causing you to pay extra for an addition year. -Some schools will not let you have a car freshman year, so make sure you understand their campus rules. Also, as a freshman you better not work, and if you do try and apply for jobs through the school (library, cafeteria, etc.) so you won't spend all of your time working rather than studying. Also, a lot of schools will offer free buses that you can use to get around town. -You need to take all graduation required classes and the A-G requirements needed for California's colleges. (4 years English, 4 years math, 2 years language, 1 year art/music, 2 years history, and 1 year government/economics classes) you need to double check the requirements for the school you specifically want to attend and maybe call them and ask.
  • I am 19yrs old i did really good in elementary school and did fairly well n high school. graduating with a 3.2 GPA. I am currently at community college because i could not get loans for college. my mother nor anyone that is responsible for me could co-sign because of bad credit. I'm about to start my second year at community college and i'm really hoping to transfer to either Hofstra University in the fall of 2014 or somewhere in California for a dance program. I really need some help on how i can secure myself in getting to a four year institution ! being at home is not a good environment either. (drug and alcohol abuse)
  • Save thousands of dollars in tuition fees by transferring to a public university in your state of legal residence. Do not go into debt if you plan a dance career. It will be difficult enough to find enough dance or dance teaching work just to get by. You may need to work and go to university part time. Best wishes.
  • I am starting to save money for our retirement. I am 23 years old and we only have 5 figure balance in my bank account. Due to some bad investment, my husband and i bought and paid cash 4 houses in California (including the one that we are living in). We are not planning to sell them anytime soon because of the bad market). My husband is retiring soon (young but have enough for himself). But how much do I need to retire in 20 years? We do not have any debts (credit cards, IRS, loans, etc). we always pay everything cash. we do have 1 joined credit card but we use it just to build up credit. If i make about $50,000-60,000 a year ( we closed our business about 1 year ago due to bad economy ) working for a company. How much do i need to save per month? how much do i need to retire in 20 years? We do not have any children because we are not able to get pregnant. Please help calculate. We are pretty thirfty in our lifestyle. Thank you very much for reading and answering. serious answers only please.
  • You need a minimum of 3 million. This guarantees ample income and enough principle to guard against inflation. You need to live off that money for 50 yrs. Retirement is MORE expensive then people believe. Retiring before 65 requires you to pay for your own medical coverage so make sure you buy a catastrophic medical insurance now while the premiums will be very low. This is for major illnesses.
  • well, you need to really specify a goal of how much you want to end up with when you retire...but with your suggested income salary if you put 5k a year in a saving account that already has 10k in it, and can give you 5% return every year for the next 20 years, you will have close to 200K......that is what I can just guess logically that you are able to afford to put away.....you can put more money away since you have no kids. You can also each have a separate IRA type account...a traditional IRA or just a good apr savings will do...so then instead of 200k, you will both have 200K so that is 400K...now the questions comes when you say how much do you NEED to retire? i don't think 400K is a good enough money to retire in 20 years...specially since you will still be so young and have so many more years to live.........from all this, I will advise that you keep a savings, possibly two IRA type accounts....and besides that IRA types, just have a regular saving account as well....and also do not retire so early unless you want to start a business and that will be your job per se....also if you are interested in houses, search around the country for possible growing communities and own properties there that you can possibly rent out...this will give you a good constant income besides the money you willl have saved....
  • You need to know 1. Your regular monthly expenses as of NOW 2. Expected inflation % 3. What is the expected rate of return on your investment portfolio (It has to be more than the inflation %) Without these three pieces of information, it is not possible to arrive at the target saving per month figure. Once you have them, you could calculate the targeted saving per month using standard calculators that you can find in any bank/financial institution's web site
  • This article tells you everything you need to know to figure out how much you need to retire at any age: http://moneygirl.quickanddirtytips.com/h...
  • The "facts" you provide in this posting do not square with your previous postings.
  • From the Palm Beach letter. 7/06/24 Are you taking your constitution rights for granted? Stop loans to federally licensed dealers are we to confiscation. Stores can't borrow money for inventory. How close to stopping manufacturing. Next Smith and Wesson can't borrow money to produces the guns. Gun ownership soon to be illegal in America? The Palm Beach Letter Today at 10:27 AM Gun Ownership Soon to be Illegal in America? If you sell guns, coins, or any other product the FED doesn’t like, the message is clear: The government now has the right to restrict financial institutions from lending to you. Sound unconstitutional? Well... It’s technically not a law… but that doesn’t matter… According to Obama’s Financial Fraud Enforcement Task Force, this “initiative”—known as “Operation Chokepoint”—is being front-lined “on behalf of the American people.” President Obama partners with Attorney General Eric Holder to crack down on gun sellers and other businesses deemed "high risk." Already, thousands of banks are cutting ties with “undesirable” businesses in what California Representative Darrell Isa calls “The Justice Department’s newest abuse of power.” Mark Cohen, a gun seller in Massachusetts, explains: Our loan was turned [down] not because of our credit—We had perfect financials and [had] been working with the same bank manager for 20 years. It was just because we sell guns—and they said that to us specifically. Unfortunately, Cohen’s case isn’t the exception. It’s the new norm.
  • no and yes. guns will never be illegal unless the government wants Civil War II the first one was bad enough, as everyone in the USA already knows. besides gunowners outnumber the military and police 2 to 1 at the very least, assuming there are 25 million cops in the country and not one of them would take a stance against gun bans. many cops are pro guns. and there's already been known incidences that sheriffs and chiefs of police refusing to enforce unconstitutional gun laws. gun laws are technically all illegal, ad the prime document of the USA says the right to keep and bear arms shall not be infringed, which clearly indicated any form of restriction or limitation is unlawful. the only reason why no one has been able to bring this up is because the government owns all the courts and most of the police force and it is a david vs goliath situation.
  • I hope that wasn't a cut-and-paste, it is rife with errors and misspellings. No, gun ownership will not soon be illegal in this country. Only a portion of the elected Dems in congress want it, and none of the Republicans, obviously. It could never, ever pass. It's a total nonstarter.
  • Seriously? Gun regulation has grown looser under Obama than under any president. I was in Europe two weeks ago and it's interesting to hear what they think about it. For the most part, they are afraid of coming to the US because of all the guns and stupid gun-related deaths and injuries that seem to occur on a daily basis. I can't say I blame them.
  • Ah... our favorite right wing whine.... not enough GUNS! Actually it is time to take the GUNS away from Bubba and grind them up along with his piles and stacks of ammunition.
  • It is possible to instanly obtain an online payday loan up to $1000 employing this service: http://loans.servermatrix.org I obtained our payday loan despite the fact that I had a very bad credit standing.
  • No and Most likely
  • Of course it will, America should catch up to europe soon enough.
  • Hello, Based on what our mortgage broker suggested, we have to get the mortgage from Fremont bank. There is an error in our credit history that prevents automatic underwriters from approving our loan.We were told that Fremont bank is the only bank in California that does Manuel underwriting.I was just wondering if someone has any experience with this bank. their reviews in yelp is bad and the customers said it takes a long time to get approved for mortgage through Fremont bank. do you know how long the process takes if we get mortgage from this bank? do you know if they are good? assuming that the appraisal is already done how long will it take to close escrow if we get the mortgage through Fremont bank? Thank you in advance
  • Freemont bank is not the only one who does manual underwriting. Speak to a local bank.
  • Crony Capitalism: $737 Million Green Jobs Loan Given to Nancy Pelosi's Brother-In-Law 11:00 AM, SEP 29, 2011 • BY MARK HEMINGWAY Despite the growing Solyndra scandal, yesterday the Department of Energy approved $1 billion in new loans to green energy companies -- including a $737 million loan guarantee to a company known as SolarReserve: SolarReserve LLC, a closely held renewable energy developer, received a $737 million U.S. Energy Department loan guarantee to build a solar-thermal project in Nevada. The 110-megawatt Crescent Dunes project, near Tonopah, Nevada, will use the sun’s heat to create steam that drives a turbine, the agency said today in a e-mailed statement. SolarReserve is based in Santa Monica, California. On SolarReserve's website is a list of "investment partners," including the "PCG Clean Energy & Technology Fund (East) LLC." As blogger American Glob quickly discovered, PCG's number two is none other than "Ronald Pelosi, a San Francisco political insider and financial industry polymath who happens to be the brother-in-law of Nancy Pelosi, the Minority Leader of the United States House of Representatives." But wait... there's more! One of SolarReserve's other investment partners is Argonaut Private Equity: Steve Mitchell and Argonaut Private Equity might have a chance to recoup some of their losses in the Solyndra debacle now that the Department of Energy has given a $737 million dollar loan guarantee to a company backed by Argonaut that also lists Mitchell among its board of directors. Mitchell served on the Solyndra LLC Board of Directors. He also serves as Managing Director for Argonaut Private Equity, a company that invested in Solyndra through the LLCs parent company. After Solyndra declared bankruptcy, two Democratic members of the U.S. House asked that Mitchell testify about Solyndra. Though he has not appeared before Congress, he has "been asked to provide documents to Congress" pertaining to Solyndra. And for good measure, it's also noteworthy that Obama is about to hold a big money fundraiser at the home of Tom Carnahan in St. Louis: Carnahan, a member of the prominent Missouri Democratic family, has been tapped by the Obama campaign as its chief Missouri fundraiser. He is chairman of the board of Wind Capital Group, a wind energy company that makes it corporate headquarters in St. Louis. He formerly was president and CEO of the company. Last year, Wind Capital's Lost Creek Farm facility in northwest Missouri received a $107 million tax credit from the Treasury Department, among many such wind operations receiving support from from stimulus funds. Tom Carnahan is the son of former Missouri governor Mel Carnahan and former U.S. senator Jean Carnahan. He's also the brother of current Missouri secretary of state, Robin Carnahan. It's increasingly hard to tell the government's green jobs subsidies apart from the Democrats' friends and family rewards program.
  • Your right its corruption and it has gotten so bad that it extends down to the smallest section of government. We need a leader who will put these people in Jail they are not different that bernie madoff
  • i could communicate on your boyfriend first. Has your boyfriend informed you that he feels to blame and due to this he is going out together with his brother? have you ever informed your boyfriend which you do no longer like it whilst he ditches plans with you to flow out together with his brother? in the adventure that your boyfriend is making the choice to flow to a strip club the nighttime in the previous you're going away, that his selection, no longer his brother's. yet one greater reason to communicate on your boyfriend first in the previous his brother.
  • This is the Congress Effect. both parties will dig up dirt on the other party from time-to-time but neither party will ever do a single thing to prevent these "conflicts of interest". Both are equally culpable but not nearly so as the people who buy in to their garbage and act exactly as despicable as they do.
  • Face it -- Obama is corrupt.
  • I bought a car from a small dealer in California,they've shown me the smog check certificate before I signed the purchase bill and told me that I will receive the registration within 90 days. I didn't receive the registration after 80 days,so I called them to ask ,and they told me that they could not find the smog check certificate so they can not get the registration done and transfer the title yet. Now it's been 90 days already, I don't have the registration still,I can't even insure the car since I don't actually own the car and that really gets on my nerve. I purchased the car in cash without any loan and am wondering that do I have any chance to return the car to them ?
  • I paid off the car on the date I purchased it by cash, I went through the contract again last night and found it said that the buyer paid for the smog service which cost 50 dollars. This made the whole thing more unreasonable,since I paid for the smog check when I purchased the car,how could they tell me that they could not find the smog check certificate and couldn't find any smog check record of this car from DMV after 90 days when I bought the car? It seems like they tricked me when I purchased the car by showing me the smog check certificate of another car,plus I found that the dealer reported the selling price of $2500 for this car to claim tax but I actually bought this car for $7000 which is the selling price on the contract,the whole thing looks like sort of a scam to me. I just want to make things right and don't like to be tricked and taken advantage of.
  • Buying a car and pay it off in cash but can not receive a pink slip and registration from dealer after 90 days due to the dealer can't find the smog check record is basically what happened to me. The dealer changed their words about the smog check and I just simply got tricked. I hope no one would face the same situation with me.
  • First, you OWN the car regardless of paperwork. They aren't going to give your money back over a paperwork issue. Period. You can sue them but it would likely take months to be heard and then when it is, if they haven't already come up with the paperwork, the judge will likely give them another 30-60 days to do so. However, if you are driving without a valid tag, that's an issue. You can try contacting the dealer authority but its highly unlikely you can return the car. Are you leaving something out ? Like you paud $500 down and have bad credit ?
  • If you are driving that car every day, then you'd best get some insurance coverage on it. It doesn't matter whose name is on the title... As long as you are using it for daily transportation, you need to be insured. If you were to get into an accident today, you'd really have troubles! Call a local insurance agent and see what you can work out.
  • Yes. If they cannot give title to the car you can get your money back.
  • FIRST--call a lawyer and explain that you want the title or your money back. the lawyer will get instant action.
  • I'm sort of in the same boat as you. The best option I've found is as follows: Register for the music transfer program at CCAC (http://www.ccac.edu/default.aspx?id=138703) - $6,169 approximate cost for the entire program for an in county resident *not including books*. At the end of the two years, you would be able to transfer your credits to the commercial music tech program at California University of PA (http://www.calu.edu/academics/programs/music-technology/index.htm) - $11,108 approximate cost for two years at full time *not including books*. Between student loans and grants, it should be pretty affordable for you. Total of the two would be $17,277+/-. Not too bad when you consider I spent that much on my masters degree alone!
  • the right of the Triangle no longer exists, it closed various years in the past. different nicer eating places in Pgh on are Mt Washington like Lemont (outstanding view of the city, fantastically at nighttime), Georgetowne motel, and so on. The Grand Concourse in Station sq. has outstanding foodstuff besides. i have been to all 3 of those and performance been very delighted. good success!
  • Since lawyers in my area won't help me with my case I was wondering if anyone knows a lawyer that could help me. In 2007 when ATT was still ATT before the Cingular merge I moved from California to Louisiana in the middle of nowhere and didn't have internet so I called ATT and told them I need to up my plan so I can get on the internet through my phone. The sales rep was like ok that's not a big deal extra 30 bucks a month not bad so I got the data plan. After one month Cingular took over so I went to get a new number that is the area code for my state. I received a bill in the amount of ~$47k and a collection agency has it somewhere I haven't ben contacted in about 2 years. I need to see about getting this off my credit even with the VA's help its hard getting a house loan. Any help would be nice I do have the 50 or so page bill at my house it took them 2 years to get that to me.
  • First, dispute the debt with the credit bureaus (if you have not) allow them to investigate. They will at least tell you who last had the account. ATT also knows who has the account. Also, Do not let the collection agency know you are trying to buy a home, because they will not give you a break on the balance due....I know- I own a collection agency....Let me know if I can help in any other way...Good Luck
  • The 2007/08 Outlander is built in Japan with 100% Japanese part content (my Infiniti G35 has more foreign content). Furthermore, Mitsubishi is offering a 10 yr/100k powertrain warranty in addition to a 5yr/60k bumper-to-bumper warranty. All that with 5yrs/unlimited roadside assistance. The Outlander XLS is priced right with all of the latest gadgets and features you've come to expect in a near-luxury car. It's emissions output is equivalent to a hybrid (if you live in California) and the gas mileage is very reasonable for its class. Don't forget the Outlander was Car of the Year AND the best selling SUV in Japan. Consumer Reports also has the Outlander as a recommended model. The Outlander platform is shared with the upcoming Evo-X and the new Lancer (both are getting rave reviews in the press). I truly believe there's hatred out there for Mitsubishi based on the cars they made YEARS ago (back when Mitsubishi foolishly worked with Chrysler in designing products in the 1980s). That's why some old-school mechanics still harbor ill feelings about Mitsubishi products. A few years ago, Mitsubishi offered 0% financing/$0 down. The company financed anybody (including deadbeats with bad credit). After two years, Mitsubishi got flooded used cars because of loan defaults. Those used cars were dumped on the market which caused resale values to drop dramatically. We all know how supply and demand works. By the way, I own a 2007 Outlander. I've owned a Toyota and Honda in the past (both cars had issues contrary to the claims of perfection with those brands) and I currently have an Infiniti G35 (it also had bugs). I'm very picky about what I own.
  • Hi, I currently have an eclipse. If this runs across the board for Mitsubishi, I am currently having engine issues. My car only has 85000 miles on it and Cylinder 2 is misfiring. I was told by a certified mechanic that you usually only get about 70-90K out of a Mitsubishi and then they basically are done. If you are looking for a short term vehicle, I would recommend depending on the mileage, but if you are looking to make a major purchase and keep the vehicle long term... I would look more to Toyota Rav4 or Highlander!
  • I would defenetly get the ooutttie, as its got great motor response, great inside space, and it is well equiped (get the top of the line version, as the other versions are not worth it). Also, have in mind, is a loud steraeo for you? shiters on the steering wheel for you?... if you think yes, get it, as the competition, offers a more 'calm suv' than the outtie. I bought the XLS on april, and cant leave it alone, its great. Hope this works for you....
  • When you start to look at the different companies to handle your situation please do your research. Working in this industry has taught me so many things and I have wised up to the fact nothing is as appears. Don't ever trust the BBB, I worked for a company a number of years ago , in perfect standing with the BBB but under so many lawsuits and yet none were reflect on the BBB. Check your company out on ripoffreport.com Its a great site and you will get a non bias perspective. Fully Know your options When I go over the different programs with my clients I make sure that they understand the laws in their state( laws concerning debt vary by state) and I also make sure they understand the worse case scenario. Don't ever believe that their are NON for profit agency's. Big fib. Their are not and real non for profit agency's. Consumer Counseling services is funded by your creditors know that going it. 4. Understand the programs. I am not bashing ccs they have helped a lot of people. Each program is suited for a particular clients. There are pros and cons and your situation makes you a better candidate for one or the other. Their are a lot of unscrupulous companies. Here are some guide lines to follow when choosing a negations company 1.The chosen company should not ever touch your money. They need to use a 3rd party and keep the payment bank structure for transfer, always keeping your money no matter what FDIC. 2. Make sure their not on ripoffreport.com or currency being sued 3. They should never charge over 15% 4. everything should be based on 44% and thing less and you may end up having to pay more money in the end. 5 A reputable company will not guarantee the out come. Experience tells us one thing but the FTC does not allow our companies to make promises. 6. Read your cancellation policy 7. Get everything in writing. 8. Make sure they are accredited and licensed. Last of all even thought their are some good companies in California and Florida these states are know for the fly by night companies because regulation is so lose there Its great your getting your debt life on track. Just do your home work be committed and know anything you do short of pay your creditors 150% will affect your credit score one way or the other. Credit is not permanent and the money you save could very well be worth it. Kourtnie Donihoo Debt Analyst Enhanced Debt Assistance
  • I would call two or three different ones first. What you have to ask your self is why am I doing this. Is it to reduce payments or fix credit. If your goal is to fix credit make sure that your company buys your debt and the old credit comes off your report as paid in good standing. You may want to go to www.ljogroup.com/libray.htm??? or contact them. They offer free advice and do not sell the service. They may be able to help you.
  • Personally I would do this myself. I would search online for every debt management site I could find and take snippets of information from them to increase your understanding of the process. With this in hand I would then formulate my own debt management strategy, speaking with my creditors and making my own arrangements. This way there is an amicable solution and no cost to you.
  • Payday loans frequently have an exceptionally intense activity fee, and is merely useful in case you desire it desperately for an exceptionally short volume of time, and are beneficial which you will pay the activity fee on the deepest loan
  • Go to a non profit one
  • Ok well I'm in the 11th grade right now and I really am trying to do my work now and want to get in a good college. But my transcript as of right now looks terrible. Here's my history. Freshman Year: ------Summer------ Health: B ------Semester 1------ English 9: C General Art: A Physical Science: A PE: A Spanish 2: B Algebra 1: A ------Semester 2------ English 9: F General Art: F Physical Science: C PE: A Algebra 1: A *Absences about 3 unexcused, 8 excused *2 Tardies * No referrals, nor suspension nor any kind of discipline Now for my sophomore year is really terrible. I started as a "C" only student, just trying to pass high school that is all. Drugs and parties getting in the way of my education, you know, the "high school life." Then financial problems (Terrible economy, California) lots of stress, was forced to sell house and move. Moved to a different city and school district with family during 1st Semester from my first high school to a school that has already started their second semester. So I lost all possible credits for first semester. Sophomore Year: ------Semester 1------ 0 credits ------Semester 2------ Biology 1: F Geometry: A PE: F World History: D CAHSEE Math: A English 10: F * 14 unexcused absences, additional unexcused absences for certain classes (Ditching; truant) * Did not attend 3 Saturday schools that I was assigned. * No show to any of the 4 lunch detentions * Several referrals, no suspensions What happen there ? Well after I lost the opportunity of receiving credits for first semester, I gave up. I lost all care for my education, I just did not care. I became friends with the wrong people. Lots of drugs to be completely honest. I lived in a joint house of 2 families, shared a room with a cousin that I did not get along with so lots and lots of stress and frustration. They stole from us. Just wow, terrible environment. Well we moved out two weeks before school ended. So again, I switched schools. So here I am attending this school right now, which is a great school. And now that I live with just my own family, nobody else, I am more relaxed and comfortable. We are set, all bills are being payed. Happy family. NOW, I am caring a lot for my education. Just started to care for 2 weeks now. So I did have a bad start for school. Reason is though was because I was told that I was gonna be transferred to a continuation school so.. I thought "Well Im not gonna stay here so why do my work?" . Got the bad news 2 weeks ago that I was declined for this semester so I have to step my S*** up. So now I'm doing ALL my work while I only did the easy assignments at first. But Im pretty confident that I will get at LEAST a 3.0 gpa. Here's my progress (Was= As of 2 weeks ago) : Junior 1st 6 weeks: English 11: 57% F (Was 13%) Art: 79% C+ (Was 60%) US History: 62% D (Was 6%) Biology: 83% B- (Was 32%) Algebra 2: 96% A (Was always A-B range, I love math) PE: A (Was always an A, Its PE, not hard) Online course that I started last week, English 10: 100% A+ I did pass my CAHSEE/ High School Exit Exam strong my first time during my sophomore year. Math: 343/350 English: 322/350 So here are my questions, could I turn my education around go towards the right direction. As for college, is it important that I stay at my regular high school the rest of my school career or could I go to a continuation school for a semester or two to make up my credits. Also, to get my government to pay for college, is this still possible for me ? How does it work ? I am not the oldest child, my older brother is currently attending DeVry University paying with loans, just throwing that in there encase it matters. Any tips or things I should know ? No need to answer all my questions. Sorry for all the reading :/
  • Yup your screwed.........unless of course you want to go to a community college. Think of it this way I'm stressing about getting into a good college also and I've never gotten a C in my life.To be blunt your not going to get into a good college, but you can go to community college for a year or two and then transfer to a good one, but judging how you can't even handle regular high school courses I don't think that'll last. Oh and to get the government to pay for CC you can just look for scholarships there's a million out there just go find them. Good luck.
  • alrighttt. someone explain to me whats going on with itt? how did this hold meltdown thing start? i dont gett it, did someone run out of moneyy? cuz its all about stocks & school & old people & insurance. like with california? why is swarchengaswfva (however you spell it) lowering teachers salaries? why cant he just make the money he needs without taking away other people's money. like i need it said into 13 year old words cuz how everyoens like infatuation or something, yahh its not making sensee! help me getwhats going on?
  • I am glad you are trying to figure this out at the age of 13, most 13 year olds couldn't care less. Basically what happened is the United State became a very rich country after World War II because we manufactured stuff here in our country. We built cars, televisions, radios, and a lot of other things that people wanted to buy. We then took those things that we made and shipped them all over the world and other countries paid us lots of money for it. Everything was working out well because the people who were working on the assembly line were making a good living and they could afford to buy the stuff they wanted by saving money. Then these companies became very greedy and realized they could make a lot more money for themselves if they started making the cars, televisions, and radios in very poor countries where the people would work basically as slaves, so the companies here fired a lot of their workers and started making the products elsewhere and then selling them to the people in the United States. This is when the United States went from being producers to consumers. But because the people in the United states weren't making as much money as they used to be they had to start buying things with credit cards even though they really couldn't afford them, but because they were told by the media that they had to have the nice cars, big houses, and flat screen tv's the Americans happily bought all of this stuff. And since the money was so readily available things were good for a time being. But them some people stopped paying the loans they took out and then there wasn't as much money to go around anymore because the banks that made the loan were going broke. And now since the banks are going broke companies dont have money to pay their workers any more so they keep firing people which is making more and more people unable to pay their bills and it is a bad bad cycle. So its not the people on wall st. giving themselves big bonuses, it is the fundamentals of the system that are all wrong. If we wanted to fix it we would start making stuff in our own country again and start selling it to other people all around the world, but i dont think that is going to be happening any time soon and you may be seeing your first depression at the age of 13 or 14 or so. :(
  • I think our economy is the result of bad decisions and bad choices because people became greedy. Back in the 80'a the ratio between the CEO's and the was only about 30% now adays it is 400%. I think by setting up ground rules about pay and bouses. Bonuses in particular because most on Wall Street(top management) earn 500,000 dollars but their bonusess are in excess of 10-20 million dollars. That makes no sense to me. Where does the 10-20 million dollar come in when you have hundreds of people to pay. What they did is increase the value of their company while stocks was high and gave people bonuses and back dated stock options that was not int he best interest of the company. I think making back dated stock options illegal you don't have to worry about people taking money out of your stock while your business is doing good or bad. Limit bonuses to 25 % of their annual income instead of picking a lottery number. This system has spread from wall street to main street and business owners are doing the same thing. This has caused resentment amongst middle class you can barely afford health insurance and the poor that can't afford anything but receive welfare while the middle class strive. The other thing is all the policies that government has caused all it has caused is big corporations to become empires and small business owners to shrink because they can't afford the regulations. All of these are negative. The stimulus never should have been allowed they needed to let those businesses who took too much risk fail because smaller businesses would have bought them out. And instead of retiring early we will have to work until we are 80 yrs old and will get smaller social security checks. However all of this can change by imposing the above stated and making sure those that receive the stimulus checks receive no bonuses, no back dated options, and to decrease how much you pay senior management And also stop benefiting all the insurance companties(health, car, house, etc. we are paying too much and not getting enough from them.
  • Hey all! I'm totally new to this so I hope I get some feedback! I'm from New Jersey and moved out to California about a year ago. California's great and all but not really for me. I'm not ready to move back to NJ but don't really want to stay here. My solution came when my boyfriend decided to go to Oklahoma for his last two years of school. We had all these plans ready and they all pretty much fell thru. He was going to take out a school loan for living expenses. He can't get a co-signer on a private loan because no one in his family has good enough credit, or just simply won't do it. It's too late for him to fill out the FAFSA form which means any loan you may not need a co signer for is out of the question. Bottom line: no loan. We can't do the long-distance thing (we both have tried in the past with other relationships and agreed it's not for us). If I don't go, we've decided to end the relationship (please no feedback on how I shouldn't follow a boy. I want to move anyway and the worst that can happen is something I'm willing to take the risk on). Save money and go from there? Can't I'm making 10$ an hour and my second job just closed down. My paychecks are already JUST making ends meet. I have my resume up on a website looking for any kind of job to be set up when I get out there but nothing yet. We have both been trying for literally days on end to figure something out and nothing. I feel like I'm running into dead ends every path I take. I'm just looking for ideas really, even if it sounds crazy: POST IT you wouldn't believe the extremes I've gone to already so nothing is really too crazy at this point. Thanks everyone :)
  • r you an art type person? go for a short movie, that a good bet ! or if you r funny, go to youtube.
  • Water weighs approximately 8.4 pounds consistent with gallon, so which you would be wanting to do away with better than 0.5! Plus you have gotten the load of the gravel. Your superb guess could be to offload some million/2 of the water (you're able to do a stable gravel vacuuming on an identical time) and positioned the gravel and a large variety of the remainder water in 5 gallon buckets or tubs. you opt for to maintain the gravel moist so the micro organism that convert the ammonia and nitrite to nitrate survives. it is maximum secure to bypass the tank empty, by using fact any twisting places rigidity on the corner seals, and the final factor you opt for is a leaky fifty 5 gallon tank. Get somebody else to help you progression it to the recent region, and as quickly as you get the tank the place you opt for it, put in adequate water that the gravel would be lined. positioned the saved water in, positioned the fish decrease back, then slowly upload the alternative water. Your tank is now moved, and has had it is weekly cleansing.
  • I am a 1st time home buyer, who thought I had a home till last week...I had a contract on what I was informed a modular home. After they changed my closing date 3 times, ()first one was supposed to be March 15th) they did an appraisal lastly and it came back as a "on frame" modular home, classifying it as a "mobile" home. Here on our coast, financing for "mobile" homes is impossible and would cost a FORTUNE to insure. So after fighting and searching and stressing like crazy to try to find a home in my price range for the past week and the deadline creeping up, I think I am at a loss...I am wondering what y'all think the housing market will do after the $8,000 tax credit expires?
  • Hi Jewel, That does sound very upsetting, but there is good news! Get ready for a longer than usual answer from me, but I really want to help in your housing situation. In my experience with clients you really have to wait to find the property you really like or else it may always bother you later - like you were pressured into it because of time lines, circumstances, etc. I don't know your particular situation or where you live, ( I'm in Northern California) but here are some things to consider that may apply to you ( sorry if not) : 1. If a buyer enters into a binding contract by April 30, 2010, the buyer has until June 30, 2010, to settle on the purchase. 2. Members of the Armed Forces and certain federal employees serving outside the U.S. have an extra year to buy a principal residence in the U.S. and still qualify for the credit. An eligible taxpayer must buy or enter into a binding contract to buy a home by April 30, 2011, and settle on the purchase by June 30, 2011. 3. Have you heard? Home buyers who meet qualifying income requirements, sales price, and first-time home buyer guidelines may be eligible for a Mortgage Credit Certificate (MCC). This federal tax credit was authorized by Congress to assist home buyers with moderate and low incomes. Check the Finance Housing Agency in your state and see if what's available and how it works 4. There is probably a good chance that you may qualify for down payment assistance programs in your city, county or state. This can can be a great find ! 5. In some cases they first time home buyer loans can work together with a few other programs that may help cover some or all closing costs too - just depends on what you qualify for and if program available in your area 6. Look on the bright side, if the $8000 goes away there are many options out there that still may work great or even better for you! 7. Get a good lender approved with housing agencies in your area and they will be able to show you what's available and what you may be able to qualify for - I have a flyer for my clients in northern cal. to help them find these great financing programs . . . let me know if I can help 8. Price are lower than they have been in years - with the economy as it stands right now, I believe they will keep trying to come up with a program/s that will work more or better for home buyers and homeowners in the near future - right or wrong, I'm sure there are more incentives to come from the gov . . . so be on the look out Hope this helps and really hope you don't let the bad experience discourage you from still finding a home you can be proud of . . . best to you! Mary
  • As long as you are under contract by April 30th and close by July 1st. Happy house hunting!
  • It will continue as is. There will be NO extension of the credit since the program was a total flop. It did not stimulate the economy
  • It will slow down a bit, but then resume. Rising interest rates will be the big danger.
  • This professor has hit a bullseye with this.... History Unfolding I am a student of history. Professionally, I have written 15 books on history that have been published in six languages, and I have studied history all my life. I have come to think there is something monumentally large afoot, and I do not believe it is simply a banking crisis, or a mortgage crisis, or a credit crisis. Yes these exist, but they are merely single facets on a very large gemstone that is only now coming into a sharper focus. Something of historic proportions is happening.. I can sense it because I know how it feels, smells, what it looks like, and how people react to it.. Yes, a perfect storm may be brewing, but there is something happening within our country that has been evolving for about ten to fifteen years. The pace has dramatically quickened in the past two. We demand and then codify into law the requirement that our banks make massive loans to people we know they can never pay back? Why? We learned just days ago that the Federal Reserve, which has little or no real oversight by anyone, has "loaned" two trillion dollars (that is $2,000,000,000,000) over the past few months, but will not tell us to whom or why or disclose the terms. That is our money. Yours and mine.. And that is three times the $700 billion we all argued about so strenuously just this past September. Who has this money? Why do they have it? Why are the terms unavailable to us? Who asked for it? Who authorized it? I thought this was a government of "we the people," who loaned our powers to our elected leaders. Apparently not. We have spent two or more decades intentionally de-industrializing our economy. Why? We have intentionally dumbed down our schools, ignored our history, and no longer teach our founding documents, why we are exceptional, and why we are worth preserving. Students by and large cannot write, think critically, read, or articulate. Parents are not revolting, teachers are not picketing, school boards continue to back mediocrity. Why? We have now established the precedent of protesting every close election (violently in California over a proposition that is so controversial that it simply wants marriage to remain defined as between one man and one woman. Did you ever think such a thing possible just a decade ago?) We have corrupted our sacred political process by allowing unelected judges to write laws that radically change our way of life, and then mainstream Marxist groups like ACORN and others to turn our voting system into a banana republic. To what purpose? Now our mortgage industry is collapsing, housing prices are in free fall, major industries are failing, our banking system is on the verge of collapse, social security is nearly bankrupt, as is medicare and our entire government. Our education system is worse than a joke (I teach college and I know precisely what I am talking about) - the list is staggering in its length, breadth, and depth.. It is potentially 1929 x ten... And we are at war with an enemy we cannot even name for fear of offending people of the same religion, who, in turn, cannot wait to slit the throats of your children if they have the opportunity to do so. And finally, we have elected a man that no one really knows anything about, who has never run so much as a Dairy Queen, let alone a town as big as Wasilla , Alaska . All of his associations and alliances are with real radicals in their chosen fields of employment, and everything we learn about him, drip by drip, is unsettling if not downright scary (Surely you have heard him speak about his idea to create and fund a mandatory civilian defense force stronger than our military for use inside our borders? No? Oh, of course. The media would never play that for you over and over and then demand he answer it. Sarah Palin's pregnant daughter and $150,000 wardrobe is more important.) Mr. Obama's winning platform can be boiled down to one word: Change. Why? I have never been so afraid for my country and for my children as I am now. This man campaigned on bringing people together, something he has never, ever done in his professional life.. In my assessment, Obama will divide us along philosophical lines, push us apart, and then try to realign the pieces into a new and different power structure. Change is indeed coming. And when it comes, you will never see the same nation again. And that is only the beginning.. As a serious student of history, I thought I would never come to experience what the ordinary, moral German must have felt in the mid-1930s. In those times, the "savior" was a former smooth-talking rabble-rouser from the streets, about whom the average German knew next to nothing. What they should have known was that he was associated with groups that shouted, shoved, and pushed around people with whom they disagreed; he edged his way onto the political stage through great oratory. Conservative "losers" read
  • it right now. And there were the promises. Economic times were tough, people were losing jobs, and he was a great speaker. And he smiled and frowned and waved a lot. And people, even newspapers, were afraid to speak out for fear that his "brown shirts" would bully and beat them into submission. Which they did - regularly. And then, he was duly elected to office, while a full-throttled economic crisis bloomed at hand - the Great Depression. Slowly, but surely he seized the controls of government power, person by person, department by department, bureaucracy by bureaucracy. The children of German citizens were at first, encouraged to join a Youth Movement in his name where they were taught exactly what to think. Later, they were required to do so. No Jews of course, How did he get people on his side? He did it by promising jobs to the jobless, money to the money-less, and rewards for the military-industrial complex. He did it by indoctrinating the children, advocating gun contro
  • As a practical thinker, one not overly prone to emotional decisions, I have a choice: I can either believe what the objective pieces of evidence tell me (even if they make me cringe with disgust); I can believe what history is shouting to me from across the chasm of seven decades; or I can hope I am wrong by closing my eyes, having another latte, and ignoring what is transpiring around me.. I choose to believe the evidence. No doubt some people will scoff at me, others laugh, or think I am foolish, naive, or both. To some degree, perhaps I am. But I have never been afraid to look people in the eye and tell them exactly what I believe-and why I believe it. I pray I am wrong. I do not think I am. Perhaps the only hope is our vote in the next elections. David Kaiser Jamestown , Rhode Island United States
  • health care for all, better wages, better jobs, and promising to re-instill pride once again in the country, across Europe , and across the world. He did it with a compliant media - did you know that? And he did this all in the name of justice and ...... .. .. change. And the people surely got what they voted for If you think I am exaggerating, look it up. It's all there in the history books.. So read your history books. Many people of conscience objected in 1933 and were shouted down, called names, laughed at, and ridiculed. When Winston Churchill pointed out the obvious in the late 1930s while seated in the House of Lords in England (he was not yet Prime Minister), he was booed into his seat and called a crazy troublemaker. He was right, though. And the world came to regret that he was not listened to.
  • I think the "professor" is an idiot. Without addressing everything: 1. The assertion that the bailouts were given by the fed. without any kind of supervision is flat-out wrong, Congress proposed and approved them, 2. The free-market has resulted in de-industrialization. 3. ACORN is not Marxist. tThat claim makes absolutely no sense and the professor does not provide any explanation as to how they are.
  • Not all books are approximately fable a few are informative (informational) like this one publication referred to as You would not wish to be at the Titanic or A publication I learn approximately John Fitzgerald Kennedy's assignation. Articles are well too however they deliver you a small concept of a tale a publication will inform you each factor approximately a tale. I am now not announcing articles are Evil however I decide upon books.
  • You can bet most of that money went to the military. My guess is that were going into a deconstruction period. It may have a lot to do with climate changes. Perhaps were entering drastic changes sooner than expected and this would explain the fema camps. Thus there expecting massive depopulation.
  • The Bush Administration also gave billions in TARP I funds without conditions...sounds like a HUGE payoff occured on his way out of DC. (This was written during the primary elections but I bet the neo-cons will try and twist it to make it look like it occured under Obama!)
  • I Can Tell You Like Writing !
  • You may not know this. David Kaiser is a well respected historian, but this piece was not written by him, it is a fraud.
  • I think that the author is 100% right.
  • "As a practical thinker, one not overly prone to emotional decisions" "I have never been so afraid for my country and for my children as I am now" Sounds like this guy is an idiot.
  • i don't know it is to long to read for me no thank you
  • Pluto I don't think this wil be like the 'everybody deserves a house' deal. That's some pretty good credit folks there, although the bid ones that made it through the 28.5% interest and all that will have a great credit. So maybe part of the ten percent of the bad credit people will but not the rest. Why by a new car I have an antique that can still lay rubber in fourth gear for a city block. Mississippi not new York block. If you take care of auto ride it will last. You would not believe what they do in the sub prime market and have to laugh hen they say people will make ar payments before a credit card, no joke. If the car breaks down then forget it, if sub prime then the dealer soaked them for every penny they had for the dP and they have no way to fix it. The dealer has that fifty fifty deal and charge 200%. ON another note how come Japan has to sign a note with China to help curb their acid rain. China produces about 70% of the world acid rain pollution because they use coal fired electrical plants. Here we use a technique called "scrubbing" which washes away the impurities that cause it. I know the stuff floats over korea, Japan and here California and it is due to Europe and American industry going to China to escape the environmental regulations, but I feel this is a worldwide problem and Japan shouldn't be stuck with the bill. Happy holidays!
  • More likely the next bust will be Student Loans. Seniors are graduating and not finding jobs but the loans are coming due now that they are out of school
  • There are actually more mortgages underwater than ever before. Housing prices continue to drop in many markets and your old pals Fannie Mae and Freddie Mac are actually in worse shape. Get Ready for Bailout 2.0
  • Pul-leeze. i'm in manhattan and mutually as Paterson is a finished disaster, Spitzer proved to be a petulant, prosperous-toddler brat who have been given in his very own way. a minimum of Andrew Cuomo's been incredibly hooker and tantrum loose.
  • Yes. The Wal-Street reform bill that liberals here love so much doesnt do anything at all
  • Yes. But that won't allow you to escape alimony.
  • Yes, courtesy of barney franks and his new banking rules.
  • Not bad. You have hit on one of the fundamental issue that confounded the founding fathers do states rights and powers more power than the federal powers? It has been the tradition for the states to have a rule in the matter unless a uniform standard needs to be set nation wide. For example states can set the maximum permissible credit card interest rate in their state. So a lot of credit card companies are based in Oklahoma where they can charge huge interest rates. The federal reserve sets the PRIME INTEREST RATE; this is the rate that banks charge each other for loans or that the best customers get. However many credit card companies base their interest rate on prime + whatever their modifier is (usually on the order of 9%). So the government controls the minimum interest rate, but the states control the maximum interest rate that can be charged. If one state set its prime rate lower than the national standard then the banks would all go to that state and the competition among banks would be strongly affected. However only the worst customers get charged the really high rate so most of the market is not controlled by the interest rate maximum. Most laws vary from state to state and a lawyer must be licensed in that state, and so familiar with the laws there, in order to practice law. There are federal standards, but the penalty for murder varies from state to state. In Texas if I shoot a person breaking into my house then the police will respond and not even charge me; that is legal and they won't even take possession of my gun. If I shoot someone breaking into my house in New York then I will have my gun confiscated because it is illegal in most situations to have a gun in the state and city of New York. Also I would be taken in by the police, arrested and charged with manslaughter. So you are right we need a federal minimum standard for the laws, but it is traditional for the states to be allowed to control their own laws as much as possible. This is why it is so easy to get married in Los Vegas and now that California has recognized Gay Weddings that makes it valid in all 50 starts since there is a law requiring that a legal marriage certificate in one state shall be honored in all the other states. I am not familiar with the exact rules you are talking about, but rules for what is admissible in court do vary slightly from state to state already. However, those variances are minor and there is a general standard in place that insures valid and invalid evidence is treated as such. I would have to know more about the specifics of each case to give you an exact answer, but on general it is better for the state to have control and so set its rules. We need federal guidelines and we do have them. In the case of what is admissible in court there are already general federal guidelines in place that would over-rule state regulations and laws. The problem with scientific evidence is that there is a lot of pseudo science and ways to interpolate existing science that can warp the evidence so it is more a question for the jury and judge to give what value to the evidence. Unfortunately there has been a case when a specific type of evidence was accepted by the FBI labs and so considered valid in all 50 states and years later it was proven not to be valid. However, it had already been used in many cases and those cases could not be re-tried. It was up to the jury and the judge to determine the weight and value of that evidence. Since almost always the jury will be composed of laymen this makes it difficult. If you watch any court room drama show then you will see that there are "scientific guns for hire" who are paid to give evidence. Two psychiatrists may have a totally opposite view of the sanity of the defendant. The psychiatrist for the state will want the defendant to be found sane and so they can be charged while the defense will hire a psychiatrist who is willing to say the defendant was insane at the time of the crime. Sometimes they have to shop around to find a doctor who is willing to make that claim. Some doctors don't care, as long as they get paid. Again this is a question that has to be decided by the jury and the judge. Then there are the problems raised by CSI shows where juries start to expect perfect evidence. For example in almost every episode of Miami CSI the DNA just happens to be in Codex and the finger prints are almost always on file. It makes the story move faster, but in reality it is often not true and a search for a fingerprint can take weeks not minutes. So juries have higher expectations about evidence; but again this is part of the job of the jury and the judge to weigh the evidence presented and make their ruling based on it. There are a few cases of wrongful conviction that have been proven so by the Innocence Project. The judge and jury thought the evidence at the time was enough. Pseudo scientific evidence may not have even been entered, instead a unreliable witness or circumstantial evidence was presented. In one case in Texas a man was convicted of rape and years later he was proven to be innocent, the witness swore in court that he was the rapist, but she was wrong. Mistakes happen no matter what the evidence is it is the job of the officers of the court and the investigators to keep those mistakes down to a minimum.
  • How do I feel? Daubert Rules!!! Yeah!!!! Probably, eventually every state will adopt Daubert rules, rather than Frye's. It specifically conforms with Rule 702 (Federal rules of evidence) "If scientific, technical, or other specialized knowledge will assist the trier of fact to understand the evidence or determine a fact in issue, a witness qualified as an expert by knowledge, skill, experience, training, or education, may testify thereto in the form of an opinion or otherwise." whereas, Frye can still let in a whole bunch of "pseudo-science" stuff. This is needed, because from what I've occasionally heard on talk radio, people are largely clueless about science.
  • I just got a 2007 Toyota Corolla from "Dirito Nissan" on Feb 20 around 6pm. I got a loan through my Credit Company for 15,500 but $2000 had to come out of my pocket for down payment. They wouldnt give me the full amount cause they said it was payin more then 10% of what the car is worth. I was reading a few of the other questions on the other Corolla's and everyone is says that the invoice price is around $15,400 or so and a 3 day return policy. I payed $15,999.95 plus taxes. Did i get ripped off and if i did, Can i take it back and have them fix the price on it? They wantted me to pay $600 when i signed the contract to have a 2 days to return it. Can they do that? I did a trade in on my other car which was a 2001 Saturn SL2 for $4900. Can i get it back if i return the 2007 Toyota? Can someone please help me on this? I live in Antioch California
  • Not really... usually dealer doesnt sell a car base on the invoice price. The negotiation is based on MSRP instead for New vehicle. For compact cars, lotta people pays couple hundred below the MSRP to walk out of the door... if it has a invoce at 15.4k, i assume its MSRP would be around 17.5K, which is what you paid to walk out of the door... Its a very normal deal, even tho you could've find better, but urs isnt bad.
  • So you bought the Corolla at a Nissan dealership, which should tell everyone that it was a USED car. Yes, you got ripped off. MSRP & Invoice price has NOTHING to do with a used car. For all you know they bought it at auction for $7000. But nothing you can do about it since there is no "cooling off" period regarding car purchases. Since you live in CA, you had the OPTION of purchasing a "48 hour cooling off" period for around $150, so the $600 was a lie. But you said you got a 3 day return policy? If so, then return it for a refund and get your trade-in back. You can get a brand new Corolla w/ auto & air for $11,900. Check the Saturday LA Times or local newspaper.
  • In 2007, we bought a brand new Hyundai Santa Fe. We were very skeptical at first, but since we have had our car, we have about 22k on it and not one problem has arose, It has been great! However, now that the Elantra is off the list (and yes, I'd be a bet reluctant to buy an Elantra as well) its between the Corolla and the Civic. I personally have not had an encounter with a Corolla but I know that they are good cars. However, I used to have a 1995 Honda Civic LX and there were absolutely NO problems with it at all - besides a stuck door lock at 98,000 - we had no problems. It made it to 130,000 miles and we sold it in 2005 due to wanting a larger car, and purchased a 2005 Toyota Camry LE (which also has been very good, at 50,000 miles now, no problems besides sometimes having soft breaks, which were fixed easily with a free adjustment by the dealer). Speaking of Hondas, my Aunt had a 1998 Honda CR-V, which they had for 180,000 miles (they towed it with a boat, and I'll admit, it could barely do it, but still, with that, it lasted) and traded it in for a Honda Pilot due to the growing size of their family. I know in the 2002 year or around that of Civics, there was this one transmission they used of which was extremely unreliable and in return, many complaints were pointed towards Honda. However, I think they fixed this with the new Honda Civics, including the 2007. To be perfectly honest, its a toss up. Pick the one that you think looks better/rides better/prices better, whichever. Both are very good cars.
  • You need to realize ONE thing. MSRP means Manufacturer's "SUGGESTED" Retail Price. Many people do not pay full sticker price for any car. Car sales are DOWN and dealers are offering incentives to buy. Factory rebates - No sales tax - No money down... things like that. Financing deals with YOUR credit. The car may have options or "DEALER ADDED" items. BY LAW (varies state to state) you have so many days to "back out of the deal". Read the contract for the specifics! Also, call the bank and ask them directly WHY! I like pitting car dealers against each other. I get prices from one dealer and check a second to see what they offer. Sometimes it is back and fourth until I get the BEST DEAL but it could mean a thousand or two that I can save. Hope this helps!
  • No you didn't get ripped off. Invoice price isn't the retail price. You got a fair deal. You might have been able to haggle them down to the invoice price but it depends on how desperate the dealership is to sell. Usually new car dealerships will not do this unless they are getting rid of last years model, but this is an 07. You got a good price don't worry.
  • i own a shop,and basically you didn't get ripped of,but you gave them your trade in,and still bought this one strait out,,you almost payed them to take your trade in ,that's the way the car business works,you would have been better off keeping your old car and selling it strait out,as far as the price of the car goes,you just about paid full price for it,and its to late to change your mind now,i think,you could call and find out,really the only bad part of it was you gave your older car away and paid full price for the other one,you should have read the small print on the contract more closer,they wind up the winner always on a deal like this one,its just called business,they have to make money in order to keep the doors open,same as any other business does,good luck i hope this help,s.
  • Hi, I want to go into a nursing career such as RN only problem is i am very terrified where to start from and if in the long run will it be the best decision ever. I don't really have the privilege to be a full time student because i financially help my family too anyways some of my friends suggested i try american career college but im not sure if i will get riped off or not i wanted to try a community college in southern california but cant seem to find a good nursing college. Please help me get started I really don't have a support team of friends or family and I feel like my life is passing me by and I will regret it forever if I don't try to get a career. Thank you so much.
  • I think a community college RN program (Assoc. Degree) would be the best option for you. It will take you a bit longer than you might prefer, but ultimately if you need to work to support your family this would work best, since BSN programs at universities prefer and are designed around full-time students, for the most part. All RN programs are high demand and have many more applicants than there are spots in the program, so you should contact several schools to determine which ones are least impacted, find out tuition costs, transferability of gen. ed. courses to other schools, etc. and make your decision based on that. Most RN programs have common pre-requisites in general biology, chemistry, anatomy & physiology, and perhaps a couple of others. You should meet with an admissions rep and academic advisor who will help you plan your courses in the most efficient way. You can take these pre-reqs at your own pace and do them part time, one or two per semester if you wish. It would also be wise to complete the other required general ed. courses for your degree before you will enter the nursing program, because once you start the nursing courses, although it is a part-time credit load with only nursing courses, it will feel like much more work, and it's very time consuming. When you apply, you might not get admitted the first time you apply, so use that time until you can reapply to complete these other courses. You could even start planning ahead and find out if you could take any extra courses which could transfer later on for a BSN completion program. I would recommend not trying to work more than 20 hrs per week once you start the nursing program. If you need to supplement your income, take out student loans. And always apply for financial aid if you haven't already. Even if you think you don't qualify for anything you might be pleasantly surprised. At the very least you could almost certainly get loans. Student loan debt is not bad debt, it's an investment in your future. As an RN you will have a great salary and be able to afford to pay it back. Don't waste your time going to for-profit tech or "career college" type programs. If you want to be a nurse, find a legitimate program that is run by a state college and is non-profit. The nursing program should be accredited by either the NLNAC or the CCNE. Good luck!
  • I would love to help you, as this was my goal at one time. First, be careful with community colleges. Make sure that the credits you earn from classes taken there are transferable to an accredited university with a nursing program. Some are not accepted. You can never go wrong with a nursing degree. They are in great demand and the pay is outstanding. But money can't be your only reason..you must really feel the call to do this. Without it, you are wasting your time.You can work in a hospital or private duty and many hospitals offer sign on bonuses. Many universities that have a nursing program have nursing department advisers who will work with you and guide you to the end of your education. Such was my case at the University of Texas/Arlington. Apply for any grant or student loan you can to help. I applied and received a Pell Grant at the time which paid my tuition and for my books. I also received student housing and was on a work/study program. Unfortunately, I remarried and did not finish. I have always regretted this. I don't know anything about schools such as American Career College, they may be good schools. But I firmly believe that an accredited university will provide you with a better education and if you are chasing your dream, why not go all out and do it right?? The end result will be well worth it. Good luck to you and the sooner you start, the better.
  • Hi! Nursing is an awesome career choice. There are SO many different types of nursing but with them all, you've got to really be into it and love it because it is extremely demanding. I don't suggest that you do any online type of classes or anything like that because you will need the "hands on" experience. Which ever school that you look into just make sure that they are fully accredited with the National League for Nursing and go in and actually meet with them. try searching on the internet...heres a few places: allnursingschools.com (search for schools in your area) allnurses.com (for info) Good luck with your decision!
  • you can get a 2 year Rn degree. It is hard to get into the nursing program at a community college, long waiting list. Easier at a local university. you can also get your LPN, they make a lot less than a RN so you night as well just go the 2 year RN route.
  • My wife that I was married to for 8 months and now separated for 7 months filed for an annulment or dissolution of marriage and property none.We only new each other 2 weeks prior to getting married.. I answered back with --- I want a divorce and my 2011 Honda Odyssey which I had to put in her name while financing. I put down and can prove $32000.00 dollars down on. I had to finance the remaining $10000,00 on her name because my credit was to bad and I did not have a valid license at the time. I put another $30,000.00 into her house and I dont care about any of that which also I have proof for. Her response to my divorce was--- Assets that he listed are non existent except for the 2011 Honda Odyssey which was a gift he gave for Christmas of 2010. She says she wants it to be hers because it was a gift and she is the only person on the car loan. Also its the only vehicle she has to transport her children. Which is untrue --- I have her 2001 Ford Expedition still sitting in my driveway that the judge gave me temporary custody of after she filed a restraining order 6 months ago. She states in her deceleration that I sold her only reliable transportation she has with out her knowledge.... Can anyone please Help me .. My court date is on the 23rd of this month.. Thank you Oh ya and the money used to pay for everything was mine before we got married.. Alimony? We were only married for 8 months.. The only income I have is from a structured settlement I receive monthly for a car accident when I was a child.. She has 6 children by 3 different fathers.. I should not have to pay alimony. She has a vehicle a 2001 Fully loaded ford expedition thats sitting in my driveway. That will accommodate all her children The 2001 Ford is in her name, she got it from her last divorce. She told the judge she has no other vehicle.. Which is a blatant lie. PLEASE HELP
  • You are worried about nothing. Since the marriage didn't last long enough for any income tax papers to be issued under the married name, this is quite simple. All assets will be divided in half regardless of who owns what. If she has more than one vehicle supply the court with the ID numbers for the cars. You clothes are your and hers are hers. She does have a right to retain the claim to all the children's assets since they are not yours. And there will be no alimony since she is in the same or better position that she was used to living while married and does not qualify for an amount more than that. The children are not yours so there will be no order from the court for child support.
  • Sounds like you need a really good lawyer. All these facts of yours are useless without proof.
  • Hello all, im 29 and trying to get into a local trade school. i filed for fafsa and i was only approved for $400. i was given a federal loan of about $9,000 but, still have around $8,000 to come up with to enter the school. does anyone have any resources for possible grants or scholarships? right now my girlfriend is enolled in school fulltime and im helping support her and myself as shes in school but im not claming her on my taxes. i have no family members that can help out and my credit history is really bad :( ive been tryin sites similar to fastweb.com but they are very hit and miss. unless i get some kind of funding, i wont be able to go to this school as the monthly payments without funding will be nearly $900 a month ! im in california and the trade school is wyotech in fremont if that helps. any ideas or resources? also, saving to go isnt going to be the answer as we pretty much live check by check. thanks in advanced all.
  • There are no grants or scholarships for trade schools. Get a job, and work your way through school.
  • have you ever considered homeschooling. See what your guidelines say about homeschooling. you're able to do college. some states will enable someone residing house-college you that is not any longer an licensed instructor. pastime corp can help you with education also you are able to opt to call and clarify to them what is going on and be conscious what they say.
  • see if your local community college has auto mechanic ... instead of more expensive wyotech
  • The US Senate is trying to steam-roll the American public by disguising the Bush/Paulson $700billion Wall Street/NYC payout/bail-out/hand-out by tacking on non-related items - which the inept Henry Reed led Senate should pass independently and separately of the proposed predatory lenders' hand-out of tax-payer money. The heroes of the middle-class and American worker are those in the US House of Representatives who stood against bludgeoning their constituents and all of working-class America yesterday by voting against the $700billion Bush/Paulson fraud. Such House Representative's as (TN) Thompson, (TX) Hensarling, (NJ) Garrett and (OR) DiFazio and (TX) Doggett (just naming a few) put American families first, not predatory lenders' lobbyists in Washington by voting against the tproposed tax-payer bailout of Wall Street/NYC millionaires and billionaires. (Yes, Ohio and California as well as Georgia are to be recocgnized as well). These Representatives realize that the US government already has the tools needed to ensure that the American financial system does not freeze up as threatened by Bush/Paulson and their proposed $700billion swan-song. The FDIC, Small Business Administration and Federal Reserve - can ensure money is available to US business and institutions. Such is the degree of corruption in the US Senate that it is staggering and anyone backing the Paulson fraud IS NOT admitting the severe damage such unprecedented addition to the US deficit will do to American families... all because Henry Paulson wants to reward predatory lenders and their greed by giving them tax-payer money, supposedly "buying up" caustic credit card debt, caustic mortgage debt - even caustic auto loan debt without addressing the problem which is the root cause of all this - predatory lending. Sure, Wall Street was encouraged by both Senate leaders and Pelosi along with Barney Frank to signal that the fraud should have passed. And yes, the corrupt on Wall Street tried to stagger the market yesterday, but they failed. Wall Street crooks only undercut themselves the now high-lighted 777 points or in essence less than 7%, which is not such a huge drop in a market that has seen volatility as the gluttonous greed of the predatory lenders has been showing signs of its own finality. Sure the predatory lenders got themselves in this mess and everyone is hurting from their abuse of the system, but Wall Street, not the US taxpayer is better positioned to directly deal with the repercussions caused by their greed and bad decisions. Wall Street, not the US taxpayer, should be forced to deal with their caustic debt and almost worthless "paper" - by incurring a fee on every single transaction of the stock exchange, both NYNEX and NASDAQ. Such a fee will no doubt build into the resource for which Wall Street can bail out themselves, not the US taxpayer. The American working class does not need to short-change its children at the dinner table, taking away a meal to make ends meet just to shore-up the accounts of millionaires and billionaires of Wall Street/NYC and its fat-cat bankers, brokers and lobbyists. That ugly quote about lipstick on a pig comes to mind as the US Senate has failed America. Congressional leaders have embraced predatory lenders and their greed with this $700billion bailout/handout at the expense of the middle class/average American tax-payer. What Washington has not told you is that printing an extra $700billion is going to greatly increase inflation, further devaluing home property values, spiking fuel prices and increasing cost of food and every other daily expenditure of the American worker. In no way does the "revamped" bailout package address the root cause of the current "credit" issues suffered upon the American worker by Wall Street/fat-cat bankers' greed, nor does the $700billion bailout/handout to Wall Street/NYC greed offer sufficient or immediate help in stabilizing the housing market. Americans can look to further devaluations of their homes, savings and any earnings for at least the next two years because of the Washington stiff-arming this $700billion bailout/handout to the financial industry at tax-payer expense. Washington is not telling you the truth about the negative repercussions of such extravagant handouts to the rich at the expense of the US common man, ma, pa, bro and sis on Main Street. IF your Congressional leaders vote for adopting the $700billion Wall Street bailout, either they have not been given the full picture, or they are in the pockets of the financial industry lobbyists taking what middle class Americans have earned away from them. The bailout continues to be a fraud perpetrated on the US taxpayer. Wall Street executives will continue to take their undeserved exorbitant salary for creating such a debacle. "Parachute" packages are not the only CEO/executive expense that the tax payer is expected to pay. The /US economy has proven its resiliency aq
  • Obama is on right now saying that this bail out most likely won't solve the problem and that there will be more problems, but we need to pass it. I can guarantee that anyone that votes for this will not get my vote. Not one person!
  • God can't be considered by using the human eye. yet His everlasting skill and divine personality are usual and obviously considered by using the failings He has made. the actual incontrovertible actuality that God can't be considered does not recommend He can't be usual. yet, in case you've been to seem on the order of issues as being held consistent by using the author, who created all issues, you are able to start to work out the God, who became and is helpful adequate to create one of those pleasing position even regardless of the actuality that He can't be considered without delay. Now faith is the reassurance of issues became hoping for, the conviction of issues not considered. For by using it the adult men of previous gained approval. by using religion you comprehend that the global with each proper creation became prepared by using the understand God, so as that what's considered became not produced from issues that are seen...!
  • alright so bear with me because i know nothing about the legal system and how it works. im 21 years old and live in california.. in march 2010, i was with my first girlfriend, i just turned 19 at the time, and my girlfriend at the time had a mom who was unemployed. she would gamble to try and make money. well, one day she told me her phone was gonna be shut off cuz her mom didnt pay the bill. so.. me being nice ol me... gave her mom the 140 dollars for the bill. then, she couldnt pay rent for apartment. i felt bad. once again, *in the same month*, i offered to pay half of it for them. i did about 260 to help them out, and this was out of my credit card, which i was already in debt on because of my gf at the time!! her mom gave me the VERBAL contract of 'thank you so much, ill pay you back as soon as i can i promise this is so nice' *i also paid for her daughter's yearbook, about 85 dollars, but ill be real generous and not add this to what she owes me....* so i LOANED her that cash, i didnt give it to her. well come june, we broke up, and my ex gf didnt talk to me at all for months. around january 2011 i finally emailed her mom on facebook asking for the money, she said when she gets her tax money back she'll try paying me back. SHE SAID THAT AND I HAVE PROOF! she said she'll try paying me back. that is my only proof that she does owe me the money. she never contacted me!!! about two weeks ago i emailed her mom again asking for the full amount, 400 dollars. she never wrote back! now... how can i go about this in the state of CA? can i legally take her to small claims court, sue her for about 600 dollars, *i wanna charge interest if that is possible, and emotional distress because my gpa just passed and i was helping out with their bills as well* or, am i just screwed out of the money and i cant take her to small claims. do i have to contact her saying im going to take her there or i can show up at the court, tell them what i wish to do, and they contact her? not to sound like a concieded guy but i did something really nice for her, i have been patient too long and i was helping them out, and now i need financial help and she isnt gonna pay me back. how can i go about doing this, please help guys :/
  • I dont know a whole lot either,but i would think you could, i'd suggest seeing a lawyer and letting them advise you in the possibilities.
  • the 260 for rent you can probably get back. the 140 for the phone bill is another issue, as you probably talked to your girlfriend on the phone and that can be considered a motive for giving them the money.
  • google "file small claims suit in California" You will probably win, but good luck on collecting on the judgment. Also, let this be a lesson to you. No piece of tail is worth handing over your cash to its mother. Sometimes you have to say no.
  • did she agree to pay back all of thoses or just 1 thing? I know people on jundge juddy have won cases like these but if thats all the proof you have depending on what you said you could ether get $400 or more or just the money back for they ceepest loan you gave them.
  • I do believe that the Federal Reserve and too much regulation were the main culprits that caused the financial crisis. That being said, there were some pieces of deregulation that played a factor. The 2 that I mentioned are the biggest talking points from those who cry of deregulation. I was just looking to expand on my knowledge of specific legislation that they claim is responsible.
  • Securities Modernization Act of 2000. Shovel Ready: In California, our troubles weren't related to the CRA. For us it was flippers. When prices stopped escalating, flippers were loaded down with houses they couldn't sell and loans they couldn't possibly have qualified for in a normal loan market. Glass-Steagall worked for 70 years. Clinton and the Republicans in Congress should have left it alone. EDIT The Fed lowered interest rates to help us through the dotcom bubble and never really raised them again. Too much cheap money for too long is a recipe for disaster. The CRA, as amended during Clinton did add extra pressure to not redline but that didn't have anything to do with the crazy loans. Those were made possible by the GLB Act breaking down the Glass-Steagall Act five years later. How could anyone think the GLB Act was anything short of a disaster? Mortgage backed securities full of bad loans with AAA ratings, moving from the commercial banking sector to the investment banking sector wasn't part of the problem? And credit default swaps? Holy batshit! I'd be interested to know what regulations specifically caused the trouble because I don't see anything nearly as damaging as the deregulation in this specific case. CaptainO's answer is generic and useless. It looks like his favorite cut-n-paste that he plugs in where ever regulation is in question.
  • Keep going and look for loopholes that would help put some of the existing known criminals in jail! There are so may types of deregulation bills that google will keep you busy. Google the warnings of Brooksley Born that started years ago and each crash. Then look at how the laws were changed and Brooksley was shunned. by Greenspan and previous cronies. It is a long sad trail of greed. It has now turned into a dangerous takeover of Democracy while sheep watch a fixed election.
  • Gramm-Leach-Bliley's lead sponsors were Republicans, but the 34 Democratic senators who voted for the bill surely weren't scheming to "let the market run wild." Ditto the 151 Democrats -- among them future Speaker Nancy Pelosi -- who voted for the measure in the House. Then-Treasury Secretary (and current Obama adviser) Larry Summers didn't denounce the bill as "laissez-faire jungle capitalism" -- he praised it for "promoting financial innovation, lower capital costs, and greater international competitiveness." Clinton himself defends the law to this day. Now, this is not to say that Bush hasn't also been responsible for legislation having a decided impact on the country's regulatory climate. On July 31, 2002, declaring that free markets must not be "a financial free-for-all guided only by greed," he signed the Sarbanes-Oxley law, a sweeping overhaul of corporate fraud, securities, and accounting laws. Among its many tough provisions, the law created a new regulatory agency to oversee public accounting firms and auditors, and imposed an array of new requirements for financial reporting and corporate audits. Whatever else might be said about Sarbanes-Oxley, it was no invitation to an uninhibited capitalist bacchanal. Like the alligators lurking in New York City sewers, Bush's massive regulatory rollback is mostly urban legend. Far from throwing out the rulebook, the administration has expanded it: Since Bush became president, the Federal Register -- the government's annual compendium of proposed and finalized regulations -- has run to more than 74,000 pages every year but one. During the Clinton years, by contrast, the Federal Register reached that length just once. Similarly, the administration has broken every previous record for regulatory agency spending. According to researchers at Washington University and George Mason University, appropriations for federal regulatory functions have soared during the Bush years. Adjusting for inflation, the regulatory budget has grown from $25 billion in fiscal year 2000 to an estimated $43 billion in FY 2009 -- a 70 percent increase. "In constant dollars," writes James Freeman in the Wall Street Journal, "the Bush regulatory budget increases vastly exceed those of predecessors Clinton, Bush, Reagan, Carter, Nixon, and, yes, Lyndon Johnson." Staffing has skyrocketed, too. Regulatory agencies employed 175,000 people in 2000. They employ nearly 264,000 today. (Some of that reflects the Transportation Security Administration's takeover of airport security screening in 2003.)
  • Wow, are you ever off track. It was REGULATION, not deregulation, that produced the financial crisis. Sheesh. Check out the Community Reinvestment Act, as amended and interpreted by bureaucrats.
  • the federal reserve with the tax and investment incentives of the government cause the collapse nothing more.
  • http://www.google.com/url?sa=t&rct=j&q=c...
  • Housing prices, right now, are as low as they've been in years. Of all your considerations, that one should be perhaps highest among them. You have an unusual window of opportunity right now because the bad economy has generally tanked housing prices. If the economy continues to get worse before it finally improves (which I'm thinking it probably will), then even lower housing prices may exist next year. But if what Joe Biden said on the TV news talk shows this past weekend is correct, then the Obama administration now has a better handle on the economic situation than it did when it first took office, and economy-improving things are going to start happening soon. If so, then maybe housing prices are as low right now as they'll ever be. It's a crap shoot. If you think the economy has not yet bottomed out, then wait. If you think it has, then maybe you should sieze the day now. I'll tell you, though, that I'd not sign-up for a housing loan until I knew, for sure, if I had a job lined-up, and whether or not it would pay enough and I'd be happy and want to stay there. But that's just my conservative father talking. Only if the other issues such as maybe being able to qualify for a bigger loan next year, or the tax credit, outweigh the overall cost of the house possibly being even lower than it is now should you allow either of those things to trump the housing prices itself... or so it is my advice. NOTE: There are places in the country where housing prices initially dropped, but have risen up again (maybe not to their former highs, mind you, but much higher than in other parts of the cournty), and those places tend to be near the ocean in California, or in cities like San Francisco... places like that. However, by and large, housing prices -- and the real estate market itself -- is very low... and so there are tremendous opportunities for those who are able to buy. Hope all that helps.
  • If you are depending on your income as a RN to pay for the house, then you should wait.
  • As of this fall semester I'm a sophomore and considering taking a break my spring semester. I made it through my freshman year with a 4.0 and so far I'm doing allright this year. It's not really school-related; my roommates are okay as are my classes and teachers. I'm more burnt out from the stress and boredom of what's been a day-to-day pattern of the same thing for as long as I can remember. I went through a rough breakup in the summer and recently found out I have bipolar disorder, which explained a lot. I just feel like I need a drastic life change to ever hope of actually feeling right again. I have family in California who are living pretty good and they keep telling me to come by so I'm thinking about going there after this semester ends for a few months to clear my head and get my life back in some kind of order (I live in CT btw). Anyway, that was just a background, I'd actually like advice on the process of taking a leave of absence itself. Will I have to start repaying (or even lose) my fafsa loans? Additionally, if anyone on scholarship has ever done this, do you know if the college will revoke it when you return the following semester? Any other info or experiences, good and bad, from those who have done this is greatly appreciated :)
  • I know that most school require you to write a letter of intent about why you want to leave and then it is usually approved by the dean. I would ask the financial aid office about whether your financial aid will be available when you return, but at least at my school I know it is. For most schools it helps if you plan to take classes at community college, get a job, or do an internship while taking your leave. Often schools will accept credit for those types of experiences when you return.
  • Do you mean for a student? It's mostly used for someone who has a major illness or is sent on military duty. It means that your status as a student is put on hold until you return. It does not mean you give up college. There have to be extenuating circumstances for it to happen though. In the case of an instructor taking a leave of absence, the same situations usually apply. If an instructor does leave for a semester, that is called a sabbatical, and it is a completely different thing.
  • Realistically - nobody will care, being as life is about the same old thing every day, day after day, and you having issues suggests you need to grow up and get your act together.
  • 1) A laptop with wireless connection capabilities is a must have. If you can't afford one, most university libraries rent or loan them for hourly or daily use. 2) Talking to actual students and not the "paid to be upbeat" tour guides would have given me a better outlook on some schools and a worse outlook on others. Be extremely critical of the universities you visit. Take note of parking, construction, classrooms, teacher to student ratios, accessibility, etc. Some universities have rules about new students and parking passes (UC Davis in California for instance) and other universities have so much construction that parking lots and main access roads are closed for a portion of the semester. 3) Don't choose your major based on what your parents or peers say, choose something you will enjoy because the bulk of your college career will be spent on a main focus. Actually, it will be the rest of your life also. 4) If you have the opportunity to go to a community college DO IT. Most community colleges offer great scholarships, have wonderful programs, and are much cheaper than 4 year universities. These places also allow for you to do some soul searching and find the perfect university for you. 5) Don't work you first semester or two if you can help it. Focus on school and get used to being a "free" college student. I would do this over again because my grades suffered my first semester because I got way in over my head. 6) If you don't get into a class the first time you try don't worry about it. You can crash the class on the first day or wait until the next semester. Before taking upper divison classes make sure you will get credit for them! Sometimes prereqs are not listed or are provided on a need to know basis. Talk to an advisor about what to sign up for so you can be on track for graduation. Mistakes like this surprise even the best students come time for graduation ("what?! I'm one unit short of graduating?") and can lengthen the time you spend in the classroom. 7) Live the college life to the fullest and take advantage of all the opportunities that come your way. Studying abroad (nationally or internationally) is a great way to broaden your horizons. 8) Get to know older students in your major. While most professors don't say it out loud, the best resource to succeed in a class is to have someone's old notes and tests. If you don't have access to that, pick their brains about the teachers and find out their grading and teaching quirks. 9) Be friendly, helpful and courteous to your professors. This may be a given but you would be surprised how many people are rude to professors at the college level. These are the people that will probably write your letters of recommendation someday! 10) I went to a semester school but I know many people who went through the quarter system. It was more expensive in the long run for quarter systems and if you aren't a fast paced learner you may want to consider semester systems. 11) Embrace your family and friends from home. They will be your saviors in time of stress and desperation. 12) Don't live with your best friend or your worst enemy. Find someone who is in the middle. Your relationships can be ruined if you realize they are not as cool to live with as they are to hang out with on a weekly basis. Find someone who has similar views on life as you (parties, drinking, cleaning, paying bills, etc). Dorms are usually assigned so make sure you get along with your roommate, you can always petition to move. 13) Don't eat bad food. I was one of the many that gained the Freshman 15 because the dorm food was bland, repetitive and boring. I ended up eating pasta for what seemed like weeks on end. Finally I got healthy snacks for my dorm room and starting cooking my own meals. Eventually our cafeteria got better and so did my eating habits. 14) Exercise. Walk or bike to as many classes as possible. 15) Forget cramming the night before a mid term. The typical suggestion is study 2 hours per 1 hour spent in class. 1 hour per 1 hour in class is probably enough. Take tests seriously, college professors have so much on their mind and so many students that they really don't care if you pass or not. Same goes with papers - 10 page papers don't magically write themselves you know. 16) Start a resume as soon as you start college. Start networking and actively pursuing "starter jobs" in your dream field. Your resume and cover letter should be tailored for each individual job you apply for. Many universities offer interview and resume workshops and you should go to them. Ask for constructive criticism and work hard to get better honing your skills. At my undergrad university we were required to take a Seminar class (presentations, interviews, resumes, etc.) before we could graduate. It was terrible at the time but I'm glad they made me! It is a big challenge transitioning from living with mom and dad to living on your own in college. You may feel homesick one day and happy and carefree the next. Emotions can run like a roller coaster and for lack of a better term, it sucks. Anyone who gives you advice is worth befriending. And when I say embrace your family, I really mean it. I didn't have the best relationship with my parents before college and during college I used them as my support system during hard times. Sometimes being away from them strengthens the relationship. Sorry if this was all over the place!
  • I also graduated from a HS in California and I attended a community college for 2 years and am now moving to Hawaii to attend UHH, am I studying journalism to become a newsbroadcaster as well funny enough. My advice, keep up the good grades and sports, also joining any clubs or school organizations will look good. Practice hard for the SAT's, and start applying now for scholarships. I know it may seem farfetched, but that's what I thought and then I applied to 3 and I got 2 of them, 1 just because no one else applied! It's amazing how small the percentage of students that apply for scholarships and grants is! You'd be surprised, so go for it. Also, almost every school has financial aid, they'll work with you. That's why I attended a community college first, MUCH MUCH cheaper, like hundreds, and sometimes thousands of dollars cheaper. Anyways, Cal Arts has a wonderful advanced writing program and UHH (where I'll be going) is one of the best liberal arts colleges in the US. I hope this helps, just apply for those scholorships and grants and check out financial aid at Universities, the possibilities are almost endlesss! Good Luck! See you in the field hopefully!
  • i would have researched my options more thoroughly and not rushed the application process. there were so many schools that i wished i had applied to.
  • The Fed had two choices today: combat inflation or combat the credit crisis. They stayed with the latter. What the hell is going on here? Food and energy prices are the highest they've ever been, and even if they do cut rates, the banks aren't going to be lending out any money anyways, they're gonna hoard it. I guess we can see who Bernanke works for.
  • You are correct sir. The banks are not lending because they have too many bad loans out on the books. They have no investors for home loans at the moment so lowering rates is just a waste of time. Banks are lending to people with 750 or better FICO scores who can prove the income and assets with a tax statement directly from the IRS even with 30% down! (If they are over 80 and accompanied by their parents and both are still alive and working two jobs.)LOL. But the rest is true. Oil prices have never been higher and inflation is tied to this. Coupled with wages that are so low going to work for Wall mart, Lowe's Home Depot or any of these stores is suicide. With low wages 8 to 12 dollars an hour and no medical, and high prices people may as well be unemployed. High fuel prices are passed on as shipping charges. I recently rented a truck for moving a International diesel 27 foot. I stopped at a truck stop and proceeded to put gas in my truck. I thought 30 bucks would get me an 18th of a tank. I put the pump on automatic and turned my head to look at the price and gallon meter. In one second It hit 25 dollars! I had to jump to stop it at 33 dollars. The price was 4.39 per gallon and truck pumps pump fast. Most truckers were spending about 485 dollars for a under a hundred gallons. Lowering the interest rate is not going to help at all. Most lenders are offering loans at 8 to 9% for jumbo rates. This is what you need to buy any home in most of California.Jumbo loans are for home loans over 417,000 dollars. Most homes are over this amount. Even today. The banks are not making the loans better by passing this on they are just refusing to lend. This has got to end and I pity the next president. He is walking into the biggest disaster any President has ever left behind.
  • I doubt that cutting the rate to 2% is going to help the credit crisis much, if 2 1/4% didn't help. What Bernanke and the fed are doing is pandering to Wall St and the politicians. After all that was what his predicessor did and which I might add caused the current problems. So what else is new?
  • If human beings dont proceed paying for houses or paying their mortgages, the housing hunch will % up in its fall worsening the reccession and putting extra human beings interior the "needy" variety (the position 33% of human beings already sit down). they are attempting to save their asses. And actual, might want to god burden himself w/ petty subject matters like money? if there grow to be a god he'd enable the melancholy ensue as its gonna take that for the move. to awaken and start up treating human beings like human beings lower back instead of income or deficit.
  • The Federal Reserve is a private corporation. What did you expect? That they work for the american public? LMAO.
  • I am a christian but not a mormon. currently attending college in california and i have no(0%) idea about utah (never been there) and byu's school life. i dont drink,smoke,drug or sexual relations so it sounds very similar to my life style but i really wonder how it differs from other universities. all i used to hear was really typical things like no caffeine or something...(wonder if it is true also) So anyone who attended there or knows really well, please let me know. Especially I am majoring in marketing,so I was planning to go to city university of new york,but it requires me much more financial things...so please i need an expert's advie! [here are arranged questions] 1.how BYU differs from other universities.. 2.life in utah and in byu. 3.better choice for marketing major between BYU and CUNY
  • I first attended George Mason University in VA, but transferred to BYU after serving a mission. 1. There are many similarities and differences between BYU and other Universities. I will list a few of the unique differences for you: -Very little partying, but lots of good clean fun. -Lots of young married couples with kids, some who even bring their children to class. -Very large percent of US students who speak other languages and have international experience. -Religious devotionals available on a regular basis. -You have to take a couple of credits of religion. Don't worry, they have general classes for any christian, like New Testament. 2. Life in UT is pretty nice. Since you live a moral life style you will not be upset by the lack of partying, bars, and night life. There are many outdoors activities available like skiing, water sports, hiking, etc. Housing, while high for UT, is still not bad compared to many parts of the states. Cost of living is not too bad either. The people are generally nice. I found it really great to have 30,000+ other young students trying, for the most part, to live good christian lives. Because there is no "partying," students have lots of creative, inexpensive, and clean ways to have fun. 3. I was not a business major, but BYU has an excellent reputation. It is often ranked #1 for best affordable private college in US news and World report. Each profession is different, but most employers don't care where you went to school but rather that you have the degree. You will get a good education at BYU and not have to pay student loans the rest of your life. I got married at BYU, had our first child and both my wife and I graduated debt free. I hope this helps. Please contact me if you have any specific questions. I would be more than happy to help. Good luck!
  • BYU is affiliated with the Church of Jesus Christ of Latter-day Saints. It is located in Provo, Utah. Provo is an okay place to live. BYU has an 'Honor code" that you have to follow that is pretty strict. Here is a link to BYU's honor code: http://honorcode.byu.edu/index.php?optio...And you have to agree to the Honor Code when you apply to go to BYU and that is on and off campus. For instance there was a Survivor that hosted a student from BYU and I know that was a Honor Code Violation...I think that might have ended her BYU career. So, again read through it and make sure you can abide by it before making a decision. The LDS church does have a word of wisdom which means no Coffee, or Tea. No smoking and we don't do pre-marital sex. As for living in Utah, you will find it is like any other place. People are friendly but, if you want to buy alachol on a sunday you can't. In fact many stores close on Sunday, though there are some that don't. Utah, does have some quirks but, good skiing in the winter. Just make sure that you will abide by the Honor Code because a violation can really cause you trouble. If you have specific questions about living in Utah just drop me an e-mail. I have lived here most of my life but, I have also lived in other states. If you decide to go to BYU, you will get an excellent education. It is a really good school.
  • BYU is a very different environment than many other Universities. Some people really love it and some people don't care for it. It's a good school academically but there are some rules and mormon "cultural customs" that some people might find wierd. You have to dress very modestly on campus, there is no drinking of caffine or alcohol, no drugs, no swearing etc. And honestly if you are a conservative christian, its a nice change from what you are exposed to most of the time. Utah is a fun place to live, i love it! Theres a lot to do, but it is a VERY mormon dominated culture and it might be a little bit of a culture shock to someone who didnt grow up in that kind of environment. But overall, its really nice. Its wholesome, people are friendly and relaxed and like good, clean fun.
  • The biggest difference is that social life doesn't revolve around drinking and sex. BYU students have tons of creative and crazy fun. Utah rocks. Tons of outdoor activities, great hiking, skiing, etc. BYU has a very good business school. I don't know about marketing specifically, but their business and entrepreneurship programs are nationally ranked. The one thing to consider is dating. Mormons are encouraged to marry in the temple. Only Mormons are allowed to marry there, therefore, you'd have a lot of friend, but it would limit your dating options. The other thing is that you have to take like 16 hour of religious credit to graduate (or something like that). There are loads of classes to choose from though, and of course they'll give the LDS perspective in these. Also, classes at BYU are quite competitive. Especially the sciences. Average HS GPA is like 3.8 or something. BYU is a very cool school.
  • BYU, althought I never attended BYU, I have visited there. It's very conservative. You might find someone drinking cola drinks. But there is no drinking of alcoholic bevarages, no smoking and no drinking coffee or tea. Not all students are Mormons but they have to stick to the honor code of the university. CUNY would be like any secular school, no rules and lots of parties compared to BYU. Life in Utah is more conservative, no liquor sold at super markets. As for a marketing major that's up to you
  • BYU is an marvelous college, in spite of the undeniable fact that it may be difficult to get in with a 25 ACT score. nevertheless, a good number of folk with 25s can get in in the event that they have good essays and larger-circulars. BYU has great classes for the two animation and chinese language, approximately as good as you will locate everywhere, so i could say its properly surely worth the $50 dollars or despite it costs to be conscious. you have have been given some probability of getting in to an marvelous fee college, and you'd be apologetic approximately it extra in case you do no longer attempt.
  • I would definitely agree with Jen M. There are a lot of good people that go to the school. I am attending and I'm going to the Marriott school of business. It is one of the top-rated in the nation. Great city, great people, and a great university! Good luck!
  • I asked a Q similar to this one like a week ago. 98% of their students are Mormon, so I felt like I wouldn't fit in. They also have very strict rules and little freedom. Even though I don't do drugs or anything, I'd still want to hang out with friends in a "free" environment. I decided not to go. BYU has a really great business program (Mariott), that's why I was considering it.
  • A short history ~ "Let me issue and control a nation's money, and I care not who writes its laws" M.A.R. It was Alexander Hamilton who lobbied for the first private Federal Bank, and in 1789 Congress chartered the bank. Thomas Jefferson was adamantly opposed to the idea of a privately owned federal bank and said " I sincerely believe the banking institutions having the issuing power of money are more dangerous to liberty than standing armies". In 1811, under President James Madison, Vice President George Clinton broke the tied vote in congress to cast the bankers out refusing to renew the charter for the bankers. Unfortunatly it was President Madison who proposed a second United States privately owned Central bank and it came into existence in 1816. However, in 1836 President Jackson, overriding Congress, closed it commenting, "The bold effort the present bank had made to control the government are but premonitions of the fate that await the American people should they be deluded into a perpetuation of this institution or the establishment of another like it." (we now have another one like it) Andrew Jackson also said, when speaking to the bankers: "You are a den of vipers and thieves. I intend to rout you out, and by the eternal God I will rout you out." ~ When speaking to his closest friend, Martin Van Buren, Jackson said, "The bank, is trying to kill me, but I will kill it!" (and he did) The first two Federal Reserve Systems lasted about 20 years each and we are now almost a hundred years into the third one. The year is now 1913, the year after Woodrow Wilson was elected president of the United States. Prior to his election he needed financial support to pay for his campaign, so he reluctantly agreed, that if elected, he would sign the Federal Reserve Act, in return for that financial support. In December 1913 while many members of Congress were home for Christmas, the Federal Reserve Act was rammed through Congress and was later signed by President Wilson. At a later date, Wilson admitted with remorse, when referring to the Fed."I have unwittingly ruined my country". How did we get the Income Tax? ~ We didn't have nor did we need an income tax until we got the bankers back. The income tax was only needed to pay interest to the bankers for our money that they loan to our government. Yes, you read that right, the Fed, mostly on paper and computer, creates money or pays the treasury a small printing fee for currency, and then loans this money to our government. Our taxes pay them interest on this loan that cost the FEDS virtually nothing to make, what a sweetheart of a deal they have going for them. http://www.wtv-zone.com/Mary/BIGGESTSCAM...UPDATE: Audit the Federal Reserve - Join Paul and DeMint - http://www.foxnews.com/politics/2009/06/...
  • Since paper money (fiat currency) exists to be inflated (meaning free money to the bankers who now own nearly all the real estate in USA, Gosh! how did that happen?) the income tax also serves the purpose of sucking that extra money off the street, closing the circuit by returning it to the government which returns it to the bankers in the form of interest payments on the money which was borrowed into existence in the first place. So the bankers create money from nothing, loan it out at interest, end up owning everything, and you only get 2/3 or 3/4 of your paycheck. Hmmm, I think that's a bad deal. Why do we continue to allow Congress to let the bankers exercise a power which the Constitution says belongs to Congress? U.S. Constitution - Article 1 Section 8 The Congress shall have Power To..... To coin Money, regulate the Value thereof, and of foreign Coin,..... Interestingly, States can not create money or emit the sorts of IOUs which California resorts to from time to time when it goes broke supporting millions of illegal aliens: U.S. Constitution Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall,..... emit Bills of Credit; make any Thing but gold and silver Coin a Tender in Payment of Debts;..... Huh. When you got your tax return from your State, did they pay you in lawful money, gold or silver coin? That's the only thing States can legally pay you with. Why? Because they owed you "dollars". The definition of a dollar is a specific weight of fine silver, contained in a coin. Congress has decreed that Federal Reserve Notes have the value of a dollar, but THEY ARE NOT DOLLARS. They are Notes, instruments of debt, promises to pay, not actual payment. A corrupt and Venal Legislature has us (U.S.) using the notes of a private corporation as our currency. And not auditing that corporation, or banking cartel. Gee, I wonder if the Legislators benefit in any way from taking care of the bankers... Don't get me started ! EDIT: Answer: he ruined it all right, but since he was a Progressive, I doubt it was unwittingly.
  • When Wilson said that some time later a President actually did something about it. But then they had him removed from interfering with the FED and other things as well, but all these things were for profit motives. It was only business. How dare he issue United States Notes instead of Federal Reserve notes even though he had the Constitutional authority to do so. Immediately after JFK was assassinated they stopped issuing any more US Notes and confiscated the remaining bills. I know it's been said so many times before, but it's true. Follow the money and the moneychangers. It's time to re-open the case.
  • Yes, he put in place the system that is being used to loot and destroy our country. I have heard the arguments against gold and silver many times but they do not hold up. Gold and silver backed currency is the only way to limit goverment. With our present Federal Reserve system, privatley owned, the owners control this country.The only president since Wilson who recognized this fact was President John Kennedy. He issued silver certificates by executive order thus competing directly with the Federal Reserve. Since silver certificates were backed by something other than good faith eventualy it would have put the Fed out of buisness. We all know what happened next. With in a few months of President Kennedys death the Fed took all the siver certificates out of cirrculation. No other President or politician has since challenged the awsome power of the Fed. Except for my hero. Congressman and Dr. RON PAUL
  • Yes, absolutely. Wilson was humble enough to admit that. Wilson sold the United States of America to an elite group of bankers, the same group of bankers that control the Federal Reserve Bank and the World Bank.
  • He ruined the country, but his comment that he did so unwittingly is self-serving and probably disingenuous. If President Wilson had not created the Federal Reserve as we have it today another president would have. It was just a matter of time. One poster mentioned John F. Kennedy. I believe Kennedy was assassinated because he didn't want to play the game with the Fed, the Bilderberg Group and the Illuminati. Kennedy was an imperfect human being, but he was a president not a puppet. So they eliminated him, hoping for an American president who would be more pliable and amenable to their agenda. And look who they have now!
  • Yep and in 1913 most people still didn't have to pay income taxes unless they made in 1994 dollars about $200,000 a year. So most people in the US did not pay income taxes..it was really meant for the rich and corporations. So look what happened..now it's the middle class that pays most of the taxes and our tax laws are 67,000 pages of complete confusion. Its so bad that even the IRS experts don't understand the laws. FAIRTAX.org...this is still the most equitable solution.
  • Only if the interest on the money the Fed ever went back to itself,instead of private bankers, I feel U national debt levels wouldn't be anywhere nears as bad as it actually stands right @ this very moment. But just don't tell that to the Chinese whom still hold on to our T-note bonds.
  • Yes, indeed, Wilson was correct in his remorse and here is how to correct this ongoing problem: Level the playing field in primaries and general elections by (1.) requiring all political parties or individuals seeking ballot access to qualify with the same number of signatures in any individual state. (2.) Once qualified, mandate equal time/space for all candidates in all media venues (newspapers, magazines, TV, radio, internet). (3.) Once qualified, mandate debate access for those candidates. This will break the dem/rep monopoly, negate the power of the purse to drive election outcomes and thus control legislators by allowing the will of the people to be realized.
  • Woodrow Wilson gets little, if any, empathy from me. He made a promise to the hurt of this nation but he did it to help fund his campaign KNOWINGLY; and was also full aware of the sentiments of Andrew Jackson and Thomas Jefferson. A den of thieves and a brood of vipers; government has only gotten worse. I have always said the income tax was unconstitutional and I stand by my beliefs. Watch Zeitgeist if you have never seen it.
  • Yes, but we a caught between the rock and hard place. Without them we are caught in the vagaries of gold an silver supplies, and people cornering those, the unreliable banknotes from individual banks, and the manipulations of a federal bank and its politician cohorts. The Fed is a stabilizing and equalizing monetary influence, but it's also a mechanism of general inflation and national debt. I'm afraid, to use another cliche, we caught between "the devil and the deep blue sea." The Fed is the devil and the deep blue sea is the vagaries of an uncontrolled monetary system.
  • First, it depends what part of the country you live in. The general answer for the country as a whole is expected to be after the summer of 2008 although some stretch that out until 2009 since the introductory rates will continue to reset for another 18 months. On Yahoo today there was a report that stated: "However, many analysts believe that sales and prices will fall further as the housing market receives additional blows from rising default rates that are dumping more homes on an already glutted market and causing lenders to tighten standards. These factors have made it harder for potential borrowers to qualify for loans." "Sen. Charles Schumer, D-N.Y., said the latest news on housing showed that... as many as 2 million homeowners could lose their homes in the coming 18 months as low introductory rates on subprime mortgages, loans offered to people with weak credit histories, reset at sharply higher levels." In Fresno CA, there are many things that are affecting the market... First, most of the home prices were driven up by investors from out of the area which expected to flip homes for a profit in a short period of time... rates were not a concern and neither was rental income vs. mortgage payments. When the prices quit rising, the investors found themselves in a monthly loss of income as they could not sell for a profit or rent for a high enough rent to cover the monthly mortgage payments. Second, home values climbed faster than local area incomes and became mostly out of reach for the average home buyer. Third, Fresno experienced some huge hits to the local economy with the Orange freeze followed by the ecoli break out in the lettuce and spinach crops. Fourth, throw in the mix all the people who purchased homes with subprime loans and stated programs who really never qualified in the first place... then add in the adjustable rate mortgages which are now adjusting and increasing those payments by several hundred dollars a month.... All this combined over the last few years has put the foreclosure rate in Fresno CA higher than the national average with very few buyers qualifed to buy the over supply of homes in the area. And as values fall with people owing much more than the current value of their homes, many people are electing to walk away. It is hard to fight to keep a home that is worth $300k that you owe $360k on. But on the flip side, I many reports which has many people bailing out of California and keeping prices up in neighboring states. Some states even report a gain in home values even though sales nationwide are slow. So, in Fresno CA.... I would say it is going to get A LOT worse before it gets better. Maybe in mid 2009. But nationwide, it depends on your area and local economy.
  • I'd say in 4 to 5 years. Look at how bad the foreclosure rate is right now. In my neck of the woods, in just my zip code there are 263 foreclosures listed (sing family, town houses and condos). Unbelievable how bad it has become. We initially put our house on the market last June and had lots of people look but no one bought. We have too much competition between the foreclosures, interest rate, economy and new home prices dropping.
  • That is the 64billion dollar question that everyone would like to have the answer to so they could rush out and buy up all the underpriced houses out there and sell them for a huge profit. Yes? Well, for what it's worth...and perhaps not much...it will improve when buyers feel confident that prices have stabilized and absorb the inventory of houses available. The timing will be different in all areas of our country depending on jobs available, population expansion/contraction, etc.
  • In my area - Northern Colorado - I think that it will be in two years. Reason for my thinking: Most of the problems are the sublime loans - no jobs, weather, or other factors - in two years, the banks will have either foreclosured on those problem loans, or the homeowners found a way to refinance successfully.
  • Like Bostonian said, you will get a different answer from everyone that you ask. "Experts" are predicting 2 years or so, but there are so many factors that go into making that call it's nearly impossible to predict.
  • Ask 100 people and you'll get 100 guesses. Nobody knows for sure. I'd look it up in my crystal ball, but it's in the Magic Shop for its 10,000 prognostication checkup.
  • sure you may placed them mutually, until the doggies are older, woman toddler guinea pigs can stay with their mothers,whilst boys cant, yet can for variety of 21 days, until they circulate to their fathers cage, so as that they cant get their mom or the female toddler guinea pigs pregnant.be careful dnt placed the fathers and the infants mutually whilst its not their toddler they ll combat. you may placed the fathers and infants mutually whilst the infants has gotten older.
  • after the war is over and we quit spending 750 million a day over there so in about ten years
  • Supposedly the worst of it should be the summer of 08....Good Luck
  • There is no answer to the problem because many people and nations have been living beyond their means for many decades amassing debt. So now the chickens have come home to roust. Our credit line is now maxed out. As a nation we cannot keep living like we have twice the income that we really have. Trying to throw more money at the problem like our government is doing now will just make matter worse in the long run because this nation cannot afford to take on more debt... If the spending beyond our means for decades has not been enough many people in our nation have been gambling with your investments. They took your money and used it as security to leverage investments worth thirty times that amount. Now that some lost when bubbles burst they could not pay their debts. So they either had to default and go bankrupt or the government bailed them out and took on their debt hoping someday the paper they hold regains its value. That is going on now but since everyone in the nation was spending beyond their means driving up prices of things like real estate the paper they hold will never again be worth what it cost in inflation adjusted dollars. So the losses will one day be added to the national debt. For example, say that banks now taken over by the government invested by giving out loans on California real estate. The government is lucky if it gets back 50 cent on the dollar on these properties. The rest will be added to national debt.
  • Many people have borrowed and spent so much money that they couldn't repay their debts. Which has ruined many lenders and borrowers. And the crashing might not be over yet. Because to save the economy, the US government is borrowing a lot of money and giving it to the lenders to replace some of their losses. And this might eventually ruin most taxpayers. Because the government doesn't have any of its own income or money. Whatever the government borrows will have to be repaid with interest by all the taxpayers. Sooner or later the US government won't have any choice but to raise taxes a lot to pay for all of its bailouts and rescues. And this will damage the economy even more.
  • Irresponsible bankers have been lending money to people who couldn’t pay the money back, fully expecting to get ÂŁ60 for every ÂŁ50 lent. Then other banks came in and bought the debts, assuming that they too would get ÂŁ60 for every ÂŁ50 lent. This developed into a trend, resulting in debt becoming a kind of currency amongst bankers. The value of this new form of currency was based on the assumption that all the debts would be paid back in full. But they couldn’t be. When bankers finally started to realise that most of the debts would not be paid back, they saw that they had been trading with money that did not exist. And that’s when the system started to collapse. Its all to do with an economic ideology called neoliberalism which is dominant yet destructive.
  • The economic crisis is the result of a series of events which like many other things started small and built up with time. The most basic cause in terms of events was the realization that the price of real-estate and in particular land itself was rising, and seemed to such as to continue to do so. So a lot of greedy people began to buy land and houses and to do this they borrowed money from mortgage banks whose greed for the interest on the loan was even more. This was encouraged by the government who wrongly thought that it would stimulate the macro-economy to greater prosperity and would help them justify the way they allowed the federal bank the right to print additional Dollars. These speculators added fuel to the fire because as the number of vacant houses and land became less, its competitive price grew even more. Eventually this had to stop because it became so expensive to buy that there was insufficient incentive to build and when this became apparent then the bubble burst and real-estate prices fell. This meant that at first only a small number of builders were without work but since these people normally buy from others, the effect spread. At the same time, people who lost or were about to loose money in real-estate wanted to withdraw what they still had. This could be done since foreclosure (sudden abandonment) of the more recent mortgages resulted in little loss to the owner (and more loss to the bank), yet it was permitted by law! The effect on this on the banks caused a disaster with some of them finding that their reserves were insufficient. With bankruptcy of the banks and losses to savers whose money had been borrowed by the banks, there was even less money for consumption of regular goods, and so the result was even more unemployment. There is also a claim that due to the money being owed there is a tendency for new money to be absorbed in covering past debts, however this effect does not explain why there is unemployment which is directly due to the high cost of goods due to the high amounts of rent that land owning speculators are STILL getting and in effect this action is holding us all to ransom!
  • In the UK the economy crash due to the following events: 1)In early 2007, HSBC Europe's biggest bank suffered about 1billion pound in bad debt due to its losses in the US sub prime mortgage losses. 2) The run of Northern Rock in middle of 2008.Resulting in the government nationalised it. And the government wanted it to repay the bailed out money of 20billion pound asap. 3) The Bank of England lowered interest rate to progressively to 0.5% the lowest in its history. 4) The government wanted all banks to get its help or to increase its Tier 1 capital. And then to lend to each other. 5) RBS collapsed and needed government's help of about 20billion pounds.The government ended up holding 70% stake in the bank. 6) The merger of HBOS with Lloyds TSB, resulting in the formation of a new bank called Lloyds Banking Group. 7)Lloyds Banking Group found that it needed to do writedowns of more that 10billion pounds as the result of this merger. The government ended up holding 40% of LBG. 8) The government initiated the Asset Protection Scheme to insure and buy up banks toxic assets. 9) Bank of England had to do Quantitative easing or money printing. 10) The country now has more than 2.5 million people unemployed and on government's social benefits. This is how the UK economy crash.
  • Banks gave out too many loans to people who couldnt pay them back so they lost loads of money. And if the banks fail so does the rest of the economy. At least that was how I understood it anyway lol.
  • Criminal intent. Nothing occurs on this scale without careful planning. Any economy based on fiat (u.s. dollar or paper currency) allows for easy manipulation.
  • Congress has always driven the bus of money, and the checks and balances built to stop something crapped out.
  • Huge amounts of debt all over the world.
  • Credit crisis and the real estate market bubble that burst.
  • 1929 October -- The stock market crashes, marking the end of six years of unparalleled prosperity for most sectors of the American economy. The "crash" began on October 24 (Black Thursday). By October 29, stock prices had plummeted and banks were calling in loans. An estimated $30 billion in stock values "disappeared" by mid-November. November -- "Any lack of confidence in the economic future or the basic strength of business in the United States is foolish."--President Herbert Hoover 1930 March -- More than 3.2 million people are unemployed, up from 1.5 million before the "crash" of October, 1929. President Hoover remained optimistic however stating that "all the evidences indicate that the worst effects of the crash upon unemployment will have passed during the next sixty days." November -- The street corners of New York City are crowded with apple-sellers. Nearly six thousand unemployed individuals worked at selling apples for five cents apiece. 1931 January -- Texas congressman Wright Patman introduces legislation authorizing immediate payment of "bonus" funds to veterans of World War I. The "bonus bill" had been passed in 1924. It allotted bonuses, in the form of "adjusted service certificates," equaling $1 a day for each day of service in the U.S., and $1.25 for each day overseas. President Hoover was against payment of these funds, saying it would cost the Treasury $4 billion. February -- "Food riots" begin to break out in parts of the U.S. In Minneapolis, several hundred men and women smashed the windows of a grocery market and made off with fruit, canned goods, bacon, and ham. One of the store's owners pulled out a gun to stop the looters, but was leapt upon and had his arm broken. The "riot" was brought under control by 100 policemen. Seven people were arrested. Resentment of "foreign" workers increases along with unemployment rolls. In Los Angeles, California, Mexican Americans found themselves being accused of stealing jobs from "real" Americans. During the month, 6,024 of them were deported. March -- Three thousand unemployed workers march on the Ford Motor Company's plant in River Rouge, Michigan. Dearborn police and Ford's company guards attack, killing four workers and injuring many more. December -- New York's Bank of the United States collapses. At the time of the collapse, the bank had over $200 million in deposits, making it the largest single bank failure in the nation's history. 1932 January -- Congress establishes the Reconstruction Finance Corporation. The R.F.C. was allowed to lend $2 billion to banks, insurance companies, building and loan associations, agricultural credit organizations and railroads. Critics of the R.F.C. called it "the millionaires' dole." April -- More than 750,000 New Yorkers are reported to be dependent upon city relief, with an additional 160,000 on a waiting list. Expenditures averaged about $8.20 per month for each person on relief. May -- More than 300 World War I vets leave Portland, Oregon en route to Washington, D.C. to urge Congress to pass the Bonus Bill. It took them eighteen days to reach Washington, D.C. June -- Determined to collect their "bonus" pay for service, between 15,000 to 25,000 World War I veterans gather and begin setting up encampments near the White House and the Capitol in Washington, D.C. On June 15, the House passed Congressman Wright Patman's "bonus bill" by a vote of 209 to 176. The bill fell to defeat in the Senate, however, 62 to 18. The vets maintained their determination to stay camped out until they got their pay. July -- Hoover signs a $100,000 transportation bill to assist "bonus Army" demonstrators in getting home. Hoover set a July 24 deadline for the men to abandon their encampments. On July 28, when some "bonus Army" members resisted being moved from their camps. Violence erupted, leading to the deaths of two veterans. Hoover ordered Federal troops, under the command of General Douglas MacArthur, to assist D.C. police in clearing the veterans. July -- The Reconstruction Finance Corporation is authorized to lend needy states sums from the national Treasury. The money was to target relief and public works projects. November -- Franklin Delano Roosevelt is elected President in a landslide over Herbert Hoover. Roosevelt received 22,800,000 popular votes to 15,750,000 for Hoover. 1933 March -- Before a crowd of 100,000 at the Capitol Plaza in Washington, D.C., Franklin Delano Roosevelt is inaugurated president. FDR tells the crowd, "The people of the United States have not failed. In their need they have registered a mandate that they want direct, vigorous action. They have asked for discipline and direction under leadership. They have made me the present instrument of their wishes. In the spirit of the gift I take it." FDR announces a four-day bank holiday to begin on Monday, March 6. During that time, FDR promised, Congress would work on coming up with a plan to save the failing banking industry. By March 9, Congress passed the Emergency Banking Act of 1933. By month's end, three-quarters of the nation's closed banks were back in business. On March 12, FDR delivers the first of what came to be known as his "fireside chats." In his initial "chat" he appealed to the nation to join him in "banishing fear." April -- President Roosevelt, under the Emergency Banking Act, orders the nation off of the gold standard. The Civilian Conservation Corps (CCC) is established. Designed as a relief and employment program for young men between the ages of 17 and 27, the CCC was envisioned by FDR as a kind of volunteer "army" that would work in national forests, parks, and federal land for nine-month stints. The first 250,000 young men were housed in 1,468 camps around the country. At its peak in 1935, the CCC would include 500,000 young men. May -- The Federal Emergency Relief Administration is created by Congress. President Franklin Roosevelt appointed Harry L. Hopkins as its chief administrator. By the end of his first day on the job, Hopkins had issued grants totaling more than $5 million. The National Industrial Recovery Act is introduced into Congress. Under Title I of the act, the National Recovery Administration was designated to maintain some form of price and wage controls. Section 7(a) of the act guaranteed labor the right to organize and bargain collectively. As part of the act, The National Labor Board was set up to negotiate disputes between labor and management. The Tennessee Valley Authority is created. A federally run hydroelectric power program, the TVA act was considered a huge experiment in social planning. The TVA also built dams, produced and sold fertilizer, reforested the Tennessee Valley area, and developed recreational lands. Opponents of the TVA called it "communistic to its core." June -- Congress passes the Glass-Steagall act that separated commercial from investment banking and set up the Federal Deposit Insurance Corporation to guarantee bank deposits. August -- With an eye toward organizing farmers into soil conservation districts, the federal government establishes the Soil Erosion Service. The creation of this service was made necessary by the years of drought and dust that plagued the Southwestern Panhandle states. September -- In an effort to stabilize prices, the federal agricultural program orders the slaughter of more than 6 million pigs. Many citizens protested this action since most of the meat went to waste. October -- The Civil Works Administration is established. Devised as a wide scale program that could employ up to 4 million people, the C.W.A was involved in the building of bridges, schools, hospitals, airports, parks and playgrounds. Additionally, C.W.A. funds went toward the repair and construction of highways and roads. Early in 1934, Congress authorized $950 million for the continued operation of the C.W.A. 1934 May -- A three-day dust storm blows an estimated 350 million tons of soil off of the terrain of the West and Southwest and deposits it as far east as New York and Boston. Some East Coast cities were forced to ignite street lamps during the day to see through the blowing dust. November -- Father Charles E. Coughlin establishes the Union for Social Justice. Using the radio airwaves as his pulpit, Father Coughlin railed against "predatory capitalism." His criticism of the banking industry and disdain of communism soon dovetailed into a troubling gospel of anti-Semitism. 1935 April -- FDR signs legislation creating the Works Progress Administration. (Its name would be changed in 1939 to the Work Projects Administration). The program employed more than 8.5 million individuals in three thousand counties across the nation. These individuals, drawing a salary of only $41.57 a month, improved or created highways, roads, bridges, and airports. In addition, the WPA put thousands of artists -- writers, painters, theater directors, and sculptors -- to work on various projects. The WPA would remain in existence until 1943. "Business Week" magazine announces that "Depression is a forgotten word in the automobile industry, which is forging ahead in production, retail sales, and expansion of productive capacity in a manner reminiscent of the 'twenties.'" June -- The National Youth Administration is set up to address the needs of young men and women (who were not allowed in the CCC). The NYA worked on two levels: a student work program and an out-of-school program. The student work program provided students with odd jobs that paid them enough to stay in school. The out-of-school program set young people up with various jobs ranging from house painting to cleaning local parks, and eventually came to include vocational training. July -- FDR signs the Wagner National Labor Relations Act. The goal of the act was to validate union authority and supervise union elections. August -- The Social Security Act of 1935 is signed into law by FDR. Among the most controversial stipulations of the act was that Social Security would be financed through a payroll tax. Historian Kenneth S. Davis called the signing of the act "one of the major turning points of American history. No longer could `rugged individualism' convincingly insist that government, though obliged to provide a climate favorable for the growth of business profits, had no responsibility whatever for the welfare of the human beings who did the work from which the profit was reaped." 1936 March -- Photographer Dorothea Lange visits a pea-pickers' camp in California's San Joaquin Valley and takes photographs of harvest workers. The images, especially those in the "Migrant Mother Series," vividly illustrated the plight of the workers. The San Francisco News ran the photo essay under the headline, "Ragged, Hungry, Broke, Harvest Workers Live in Squallor (sic)." October -- The San Francisco News publishes a series of articles written by John Steinbeck called "The Harvest Gypsies." The series explored the hardships faced by those living and working in migrant labor camps. Steinbeck wrote, "...One has only to go into the squatters' camps where the families live on the ground and have no homes...to look at the strong purposeful faces, often filled with pain...to know that this new race is here to stay and that heed must be taken of it." November -- FDR is elected to his second term as president, winning every state in the Union except Maine and Vermont. FDR defeated Kansas Governor Alfred M. Landon. 1937 January -- United Automobile Workers strike at the General Motors Plant in Flint, Michigan. The strike turned violent when strikers clashed with company-hired police. May -- Ten people are killed and a dozen more are wounded in the "Memorial Day Massacre" at Republic Steel's South Chicago plant. Workers and their families had tried to combine a picnic with a rally and demonstration. March -- The slow economic recovery made possible by New Deal programs suffers a setback as unemployment rises. FDR's detractors called it the start of the "Roosevelt recession." 1938 April -- FDR asks Congress to authorize 3.75 billion in federal spending to stimulate the sagging economy. Economic indicators responded favorably over the next few months. Still, unemployment remained high and was predicted to stay that way for some time. 1940 November -- Franklin Roosevelt is elected to an unprecedented third term as president, defeating Wendell Willkie. FDR's victory is seen as proof of the nation's support of his war policies. Roosevelt was lobbying Congress to pass the Lend-Lease Act, which would aid Britain in its struggle to fend off Germany. In little over a year, following Japan's December 1941 bombing of Pearl Harbor, the U.S. would enter the war in the Pacific and in Europe. The war effort jump-started U.S. industry and effectively ended the Great Depression.
  • about 5 years ago, I started to fall into a really depressive episode. At first I thought it was only because I had a bad break from a relationship but the feelings wouldn't go away even after I got a new girlfriend. It was wrecking my life until a point where it was seriously affecting my work and personal life. She was very worried but at the same time couldn't understand why I was still sad and thought that I still couldn't let go of my previous relationship. Being the wonderful person that she is, she put aside her feelings and suggested I go for psychiatric evaluation. Many months later and even more anti-depressants, I was not coming close to being better at all. After doing some research online, I found out the real cause as you described it really makes a lot of sense and purchased this program. The results were simply astonishing. I read this book over three times and put all words in action. Using this method, I've kept my depression at bay ever since. Up to date I'm still living happily with my girlfriend. Depression Free Method?
  • Essentially the most riveting can be stock market Crash Mass Emigration out of the dust Bowl Hoover's use of troops to attack the Bonus military -10,000 WWI veterans camped on the Mall in Washington DC attacked through US troops led by means of Douglas MacArthur
  • the main riveting could be inventory industry Crash Mass Emigration out of the airborne dirt and dust Bowl Hoover's use of troops to attack the Bonus military -10,000 WWI veterans camped on the Mall in Washington DC attacked by skill of US troops led by skill of Douglas MacArthur
  • Here you go! (Sorry if they're too detailed ;) http://www.amatecon.com/gd/gdtimeline.ht...http://www.huppi.com/kangaroo/Timeline.h...http://www.sparknotes.com/history/americ...
  • Go look in the area of Pasadena you want to live and look for rental signs, most landlords don't have to use ads to find good tenants in Pasadena. Also, look in South Pasadena. While it's more expensive, there are some older buildings without a lot of amenities that aren't too bad, look in all areas of South Pasadena, in the hills by OSH, Huntington Dr, Fair Oaks, Monterey Rd, near Garfield Park. You might also try Sierra Madre and northeast Pasadena (near Altadena & New York and Hastings Ranch area). I'm sure you know that not all neighborhoods in Pasadena are that great, so be sure you really know the neighborhood before you get stuck into a long lease. Ask everyone you know if they know of any rentals. Do your parents know anyone who owns apartment buildings? Read up on tenant law, just basic stuff you can find on the internet. Remember, in most cases, a deposit for an apt is non-refundable, and if you back out they can usually get you for a month's rent, too (no 30 day notice), so be sure you want the apartment before you sign. Check your credit at all 3 agencies before looking, and correct any mistakes. (Sometimes the agencies have different info.) You can get one free report from each agency a year. Here is the official place to get them free: FTC info http://www.ftc.gov/bcp/edu/microsites/fr...Annual Credit Report https://www.annualcreditreport.com/cra/i...Even if you don't have any credit cards or loans, check your credit. You never know if a sibling, friend or stranger used your info to get a credit card. You may have a problem since you're not 21, some landlords only like to rent to 21+. Your parents being in the area might help. Some places to look online, be sure the apartments are actually in Pasadena, as sometimes they will be elsewhere, like Highland Park or even further away. Places4Students http://Places4Students.com Put in Caltech. (You could always say a friend at Caltech told you about it if it comes up.) My Apartment Map http://www.myapartmentmap.com/apartments/ca/ Put in Pasadena. PadMapper http://www.padmapper.com/search/apartments/California Put in Pasadena Realtor.com http://www.realtor.com/homesforrent/Pasadena_CA/sby-1 Rent.com http://www.rent.com/rentals/california/los-angeles-and-vicinity/pasadena/ Apartment Guide http://www.apartmentguide.com/apartments/California/Pasadena/ Apartment Finder http://www.apartmentfinder.com/California/Pasadena-Apartments Yahoo Rentals http://realestate.yahoo.com/search/California/Pasadena/apartments-for-rent (You'll see a lot of the same bigger buildings that tend to be more expensive on some of the websites.) Go look at the boards around the PCC campus for rental postings. There is also craigslist, but please be careful and let your parents help you with that, it is really full of scams, that's why all the warnings on the page. Living out on your own is very expensive, are you sure you can't stick around with the parents a bit longer, pay a little rent, don't get on their nerves, and save money? I moved out at 17 as soon as I graduated high school, but I had a business and was earning good money, and things were much cheaper then. Whatever you do, don't burn bridges! Good luck!
  • Don't keep down the city if you'll prevent it. The handiest recommendable location within the town is known as the River Towers or some thing like that. There are three towers proper at the river, they're close JLA. I am no longer definite approximately the pricing for that place despite the fact that. Birmingham is the nicest within the subject, and they've a good quantity of residences, however they could also be a bit expensive. Birmingham is approximately 35 mins out of Detroit. There may be a ton of facilities in Birmingham, like a exceptional mall, eating places, parks, and a super university procedure. You cannot particularly cross fallacious in Birmingham. If Birmingham is not for you, take a look at Royal Oak, this is a little less expensive, however no longer particularly as first-rate. Royal Oak has exceptional nightlife if you're in to that.
  • I don't live in california but real estate is real estate. I suggest you go to a realtor and have him do the leg work for you. Let him know where you want to live and he will look at rental listings for you. You typically have to pay a month's rent to the realtor as a commission but it may save you time and trouble. good luck.
  • Using a realtor is a good idea, but it can be kind of a hassle, in my opinion. I'd suggest looking around online first. Try checking out some sites like http://www.rentjungle.com/.
  • the newspaper, or you could get a realtor who specializes in apartments. There should be quite a few seeing as how nobody is able to buy a house in this economy.
  • Change hasnt occured and never will occur. Obama will never make this country prosper and unite.it is our mentality that needs changing, seriuosly, just look at our society now. people in high school dont seem to care for education anymore and nor do they care for this country. people are so involved into the culture wars and people think (at least half of america) that it is cooler to be a gangster than to be succesful in life, be intelligent, which in turn leads to a better society and a more unified society with less violence and more patritism. this is why if we dont CHANGE china and other countries will surpass us in the next decade becasue they are so dedicated to thier country, while we are busy fighting ourselves and getting dummer and doing drugs and spending money we dont have. i am a mexican/central american with parents that came illegally, although i have this background, at least i strive to be succeseful(such as graduating this year with a 4.3gpa) and love this country while others take this country for granted. its our job to change and not the governemnts job, that is why my dad's country failed (communism in nicaragua) no one cared and let the governemt rule over them, we need to change ourselves and provoke change with our actions and mentality and not with hope but with initiative and responsiblity...we need to also be more patriotic and with a mindset to be succesful so we have a better life and help better this country's society and the intellectual and leadership part of america...we need to stop importing scientists and financial leaders just becasue we are to lazing to do things ourselves, eventually this wil lead to our downfall also and countries were we get our intellectuals will surpass us....this is change that can only truly last and occur, their also must be more confidence and less saying that "catastrophic doom". We also need to stop sending money like crazy for change to happen.
  • haha thanks for telling me about my punctuation, i write on here like if its myspace, not some essay for english....yea i guess i did embares us but hey everyone already knows this! seriuosly like every foreign exchange student in my school says this, not saying that they hate our country but instead they are saying that if we want to prosper like how we used to, we have to change our mentality, they even told me that the much of the world needs us and wants us to change for the better good.
  • Something of Historic Proportion is Happening" by Pam Geller I am a student of history. Professionally. I have written 15 books in six languages, and have studied it all my life. I think there is something monumentally large afoot, and I do not believe it is just a banking crisis, or a mortgage crisis, or a credit crisis. Yes, these exist but they are merely single facets on a very large gemstone that is only now coming into a sharper focus. Something of historic proportions is happening. I can sense it because I know how it feels, smells, what it looks like, and how people react to it. Yes, a perfect storm may be brewing, but there is something happening within our country that has been evolving for about 10 - 15 years. The pace has dramatically quickened in the past two. We demand and then codify into law the requirement that our banks make massive loans to people whom we know can never pay back? Why? We learn just days ago that the Federal Reserve, which has little or no real oversight by anyone, has "loaned" two trillion dollars (that is $2,000,000,000,000) over the past few months, but will not tell us to whom or why or disclose the terms. That is our money. Yours and mine. And that is three times the $700B we all argued about so strenuously just this past September. Who has this money? Why do they have it? Why are the terms unavailable to us? Who asked for it? Who authorized it? I thought this was a government of "We the People," who loaned our powers to our elected leaders. Apparently not. We have spent two or more decades intentionally de-industrializing our economy. Why? We have intentionally dumbed down our schools, ignored our history, and no longer teach our founding documents, why we are exceptional, and why we are worth preserving. Students by and large cannot write, think critically, read, or articulate. Parents are not revolting, teachers are not picketing, and school boards continue to back mediocrity. Why? We have now established the precedent of protesting every close election (now violently in California over a proposition that is so controversial that it wants marriage to remain between one man and one woman. Did you ever think such a thing possible just a decade ago?). We have corrupted our sacred political process by allowing unelected judges to write laws that radically change our way of life, and then mainstream Marxist groups like ACORN and others to turn our voting system into a banana republic. To what purpose? Now our mortgage industry is collapsing, housing prices are in free fall, major industries are failing, our banking system is on the verge of collapse, Social Security is nearly bankrupt, as is Medicare and our entire government. Our education system is worse than a joke (I teach college and know precisely what I am talking about.) The list is staggering in its length, breadth, and depth. It is potentially 1929 x 10. And we are at war with an enemy we cannot name for fear of offending people of the same religion who cannot wait to slit the throats of your children if they have the opportunity to do so. And now we have elected a man no one knows anything about, who has never run so much as a Dairy Queen, let alone a town as big as Wasilla, Alaska ... All of his associations and alliances are with real radicals in their chosen fields of employment, and everything we learn about him, drip by drip, is unsettling if not downright scary (Surely you have heard him speak about his idea to create and fund a mandatory civilian defense force stronger than our military for use inside our borders? No? Oh, of course. The media would never play that for you over and over and then demand he answer it. Sarah Palin's pregnant daughter and $150,000 wardrobe is more important.) Mr. Obama's winning platform can be boiled down to one word: Change. Why? I have never been so afraid for my country and for my children as I am now. This man campaigned on bringing people together, something he has never, ever done in his professional life. In my assessment, Obama will divide us along philosophical lines, push us apart, and then try to realign the pieces into a new and different power structure. Change is indeed coming. And when it comes, you will never see the same nation again. And that is only the beginning. I thought I would never be able to experience what the ordinary, moral German felt in the mid-1930s. In those times, the savior was a former smooth-talking rabble-rouser from the streets, about whom the average German knew next to nothing. What they did know was that he was associated with groups that shouted, shoved, and pushed around people with whom they disagreed; he edged his way onto the political stage through great oratory and promises. Economic times were tough, people were losing jobs, and he was a great speaker. And he smiled and waved a lot. And people, even newspapers, were afraid to speak out for fear that his "brown shirts" would bully them into submission. And then he was duly elected to office, with a full-throttled economic crisis at hand [the Great Depression]. Slowly but surely he seized the controls of government power, department by department, person by person, bureaucracy by bureaucracy. The kids joined a Youth Movement in his name , where they were taught what to think. How did he get the people on his side? He did it promising jobs to the jobless, money to the moneyless, and goodies for the military-industrial complex. He did it by indoctrinating the children, advocating gun control, health care for all, better wages, better jobs, and promising to re-instill pride once again in the country, across Europe , and across the world. He did it with a compliant media - Did you know that? And he did this all in the name of justice and .. . . change. And the people surely got what they voted for. (Look it up if you think I am exaggerating.) Read your history books. Many people objected in 1933 and were shouted down, called names, laughed at, and made fun of. When Winston Churchill pointed out the obvious in the late 1930s while seated in the House of Lords in England (he was not yet Prime Minister), he was booed into his seat and called a crazy troublemaker. He was right, though.. Don't forget that Germany was the most educated, cultured country in Europe .... It was full of music, art, museums, hospitals, laboratories, and universities. And in less than six years - a shorter time span than just two terms of the U. S. presidency - it was rounding up its own citizens, killing others, abrogating its laws, turning children against parents, and neighbors against neighbors. All with the best of intentions, of course. The road to Hell is paved with them. As a practical thinker, one not overly prone to emotional decisions, I have a choice: I can either believe what the objective pieces of evidence tell me (even if they make me cringe with disgust); I can believe what history is shouting to me from across the chasm of seven decades; or I can hope I am wrong, close my eyes, have another latte and ignore what is transpiring around me. Some people scoff at me; others laugh or think I am foolish, naive, or both. Perhaps I am. But I have never been afraid to look people in the eye and tell them exactly what I believe - and why I believe it. I pray I am wrong. I do not think I am.
  • Good statement Lionel, we have a lot of change going on right now but it's not good . We are being forced into Socialism under the guise of helping our country out of this recession. Too many people are trashing our Constitution and looking to the government for everything insted of standing on their own two feet as free men. Maybe it will take a big upheavil to straighten things out.
  • Sadly for America, you have more patriotism than most Americans, but I admire and applaud you for that. While I don't agree with your parents coming here illegally, I understand their motive for doing so and it sounds like they worked hard for their family. And you're absolutely right about it being our responsibility to change things for the better in this country, but unfortunately obama and the liberals are determined to bring socialism to this country. It's time for us that do not want this, to stand up and say enough is enough, whether you lean to the right or the left. If you love America and your freedom, you must stand up for your rights, or they will be lost with this president.
  • Obama promised to end the patriot act, end the wiretapping and to bring troops home. That's why he won! And now he isn't doing any of those things and is in fact continuing policies enacted in the Bush regime. Presidents aren't voted in to make change, if they did, it would be illegal.
  • Unfortunately you are in the minority, most don't care! And we have to change the politicians who run our corrupted government, abolish the Federal Reserve and IRS, and reform election laws, the chances of these happening are very slim!!
  • Oh he is making "change" alright! And he is embarrassing us in front of the entire world. Russia already sending war ships to Venezuela and Cuba. What next? Sounds like they are getting ready to "test" Obama, just like they did Kennedy. Kennedy pulled us out of trouble, but I doubt Obama can. Gonna get interesting.
  • for having a 4.3 gpa, your grammar needs work, as well as your punctuation and spelling. Rework your statement so it flows off the tongue, but keep your original passion about your subject. Enlist someone to help with the nuances of english and you'll be fine. Good luck.
  • We will never change our society as long as we continue to move farther from God, reward laziness and give our citizens entitlements for doing absolutely nothing.
  • The free market will pick it self up from this mess if you let it do it's thing. We need to go back to spending cash.
  • i agree with you 100%. you should print your question in the newspaper or make copies of it and give it to every kid you see.
  • "Something of Historic Proportion is Happening" by Pam Geller I am a student of history. Professionally. I have written 15 books in six languages, and have studied it all my life. I think there is something monumentally large afoot, and I do not believe it is just a banking crisis, or a mortgage crisis, or a credit crisis. Yes, these exist but they are merely single facets on a very large gemstone that is only now coming into a sharper focus. Something of historic proportions is happening. I can sense it because I know how it feels, smells, what it looks like, and how people react to it. Yes, a perfect storm may be brewing, but there is something happening within our country that has been evolving for about 10 - 15 years. The pace has dramatically quickened in the past two. We demand and then codify into law the requirement that our banks make massive loans to people whom we know can never pay back? Why? We learn just days ago that the Federal Reserve, which has little or no real oversight by anyone, has "loaned" two trillion dollars (that is $2,000,000,000,000) over the past few months, but will not tell us to whom or why or disclose the terms. That is our money. Yours and mine. And that is three times the $700B we all argued about so strenuously just this past September. Who has this money? Why do they have it? Why are the terms unavailable to us? Who asked for it? Who authorized it? I thought this was a government of "We the People," who loaned our powers to our elected leaders. Apparently not. We have spent two or more decades intentionally de-industrializing our economy. Why? We have intentionally dumbed down our schools, ignored our history, and no longer teach our founding documents, why we are exceptional, and why we are worth preserving. Students by and large cannot write, think critically, read, or articulate. Parents are not revolting, teachers are not picketing, and school boards continue to back mediocrity. Why? We have now established the precedent of protesting every close election (now violently in California over a proposition that is so controversial that it wants marriage to remain between one man and one woman. Did you ever think such a thing possible just a decade ago?). We have corrupted our sacred political process by allowing unelected judges to write laws that radically change our way of life, and then mainstream Marxist groups like ACORN and others to turn our voting system into a banana republic. To what purpose? Now our mortgage industry is collapsing, housing prices are in free fall, major industries are failing, our banking system is on the verge of collapse, Social Security is nearly bankrupt, as is Medicare and our entire government. Our education system is worse than a joke (I teach college and know precisely what I am talking about.) The list is staggering in its length, breadth, and depth. It is potentially 1929 x 10. And we are at war with an enemy we cannot name for fear of offending people of the same religion who cannot wait to slit the throats of your children if they have the opportunity to do so. And now we have elected a man no one knows anything about, who has never run so much as a Dairy Queen, let alone a town as big as Wasilla, Alaska ... All of his associations and alliances are with real radicals in their chosen fields of employment, and everything we learn about him, drip by drip, is unsettling if not downright scary (Surely you have heard him speak about his idea to create and fund a mandatory civilian defense force stronger than our military for use inside our borders? No? Oh, of course. The media would never play that for you over and over and then demand he answer it. Sarah Palin's pregnant daughter and $150,000 wardrobe is more important.) Mr. Obama's winning platform can be boiled down to one word: Change. Why? I have never been so afraid for my country and for my children as I am now. This man campaigned on bringing people together, something he has never, ever done in his professional life. In my assessment, Obama will divide us along philosophical lines, push us apart, and then try to realign the pieces into a new and different power structure. Change is indeed coming. And when it comes, you will never see the same nation again. And that is only the beginning. I thought I would never be able to experience what the ordinary, moral German felt in the mid-1930s. In those times, the savior was a former smooth-talking rabble-rouser from the streets, about whom the average German knew next to nothing. What they did know was that he was associated with groups that shouted, shoved, and pushed around people with whom they disagreed; he edged his way onto the political stage through great oratory and promises. Economic times were tough, people were losing jobs, and he was a great speaker. And he smiled and waved a lot. And people, even newspapers, were afraid
  • That's a good question. I read some of Alex Jones stuff and you make a good point. He speaks a lot of truth but its possible he's a guy who finds out who's the real enemy of the government is which would would be the truth seekers from a government perspective. In my opinion, never trust anyone. I don't think Alex Jones has a big enough audeince to be a "threat". Someone like 2pac who was a rapper spoke to a lot of people. He rapped out secret organizations within the government and he was killed. Just a thought.
  • One excellent propaganda technique is to have a prominent disseminator of disinformation who is actually an asset (agent). This enables you to keep track of the "undesirables," and to spread false "theories" in order to discredit anyone questioning the official account. The corporate feel of Alex Jones' operation makes him seem like the perfect operative to use in this way. Of course, I don't really know, and this is all speculation. However, I will say that, given my experience in Washington, between the "conspiracy theorists" and the credulous idiots who believe that politicians and Wall Street criminals never plot or conspire, the former is generally much nearer the mark.
  • I think the next few years are going to be a HELL on this earth for a lot of people All the talk about the north American Union & Civil unrest are going to become facts I think a whole lot of people who think there better than everyone else will not survive Just for the fact they have never had to The ones who will survive are the Homeless now & the Hard working Americans who Actually Work Like using there body's,mussels When the **** hits the fan & it will The College educated will not survive because they don't know how to Look around Life is getting hard & it will get harder
  • well... I'm not a conspiracy theorist... but to answer your question... maybe they don't deem Jones a threat? maybe what Jones is saying is wrong and they don't bother getting rid of every fool who says crazy junk that they know isn't true? in other words, maybe only some conspiracy theorists are right? it's at least a possibility....
  • Their first attempt failed.Remember the anthrax killer who got his anthrax from a government lab? I noticed at the time the letters seemed to have been sent to people who might oppose the Bush administration.
  • Alex Jones is a bigger nut-job than Jim Marrs. Why kill him? Even stupid loudmouths have a right to live.
  • I believe our government is secretly heading us toward socialism but everybody thinks im a Conspiracy Theorist...
  • Those folks on inforwars, and Jones, and a vast majority of the Ron Paul nuts have no credibility. No one takes them seriously.
  • Alex Jones, oh my god. That guy is making a fortune by fabricating news and spreading paranoia. He's a master-class con artist.
  • Its really simple. Obama should have just kept his mouth shut and not made a comment. This is not the presidents job to make a comment about a police office. Not his position. Now that Obama did make the comment, it is odd he does this for a black harvard professor. This for sure, shows Obama is a racist. I am a student of history. Professionally, I have written 15 books in six languages, and have studied history all my life. I think there is something monumentally large afoot, and I do not believe it is just a banking crisis, or a mortgage crisis, or a credit crisis. Yes, these exist but they are merely single facets on a very large gemstone that is only now coming into a sharper focus. Something of historic proportions is happening. I can sense it because I know how it feels, smells, what it looks like, and how people react to it. Yes, a perfect storm may be brewing, but there is something happening within our country that has been evolving for about 10 - 15 years. The pace has dramatically quickened in the past two. We demanded and then codified into law the requirement that our banks make massive loans to people whom we knew could never pay back? Why? We learned recently that the Federal Reserve, which has little or no real oversight by anyone, has "loaned" two trillion dollars (that is $2,000,000,000,000) over the past few months, but will not tell us to whom or why or disclose the terms. That is our money. Yours and mine. And that is three times the $700B we all argued about so strenuously just this past September. Who has this money? Why do they have it? Why are the terms unavailable to us? Who asked for it? Who authorized it? I thought this was a government of "We the People," who loaned our powers to our elected leaders. Apparently not. We have spent two or more decades intentionally de-industrializing our economy. Why? We have intentionally dumbed down our schools, ignored our history, and no longer teach our founding documents, why we are exceptional, and why we are worth preserving. Students by and large cannot write, think critically, read, or articulate. Parents are not revolting, teachers are not picketing, school boards continue to back mediocrity. Why? We have now established the precedent of protesting every close election (now violently in California over a proposition that is so controversial that it wants marriage to remain between one man and one woman. Did you ever think such a thing possible just a decade ago?). We have corrupted our sacred political process by allowing unelected judges to write laws that radically change our way of life, and then mainstream Marxist groups like ACORN and others to turn our voting system into a banana republic. To what purpose? Now our mortgage industry is collapsing, housing prices are in free fall, major industries are failing, our banking system is on the verge of collapse, Social Security is nearly bankrupt, as is Medicare and our entire government. Our education system is worse than a joke (I teach college and know precisely what I am talking about.) The list is staggering in its length, breadth, and depth. It is potentially 1929 x 10. And we are at war with an enemy we cannot name for fear of offending people of the same religion who cannot wait to slit the throats of your children if they have the opportunity to do so. And now we have elected a man no one knows anything about, who has never run so much as a Dairy Queen, let alone a town as big as Wasilla , Alaska . All of his associations and alliances are with real radicals in their chosen fields of employment, and everything we learn about him, drip by drip, is unsettling if not downright scary (Surely you have heard him speak about his idea to create and fund a mandatory civilian defense force stronger than our military for use inside our borders? No? Oh, of course. The media would never play that for you over and over and then demand he answer it. Sarah Palin's pregnant daughter and $150,000 wardrobe is more important.) Mr.. Obama's winning platform can be boiled down to one word: Change...radical change. Why? I have never been so afraid for my country and for my children as I am now.. This man campaigned on bringing people together, something he has never, ever done in his professional life. In my assessment, Obama will divide us along philosophical lines, push us apart, and then try to realign the pieces into a new and different power structure. Change is indeed coming. And when it comes, you will never see the same nation again. And that is only the beginning. I thought I would never be able to experience what the ordinary, moral German felt in the mid-1930s. In those times, the savior was a former smooth-talking rabble-rouser from the streets, about whom the average German knew next to nothing. What they did know was that he was associated with groups that shouted, shoved, and pushed ar
  • I think what we have here is a classic clash of cultural understanding. White people and black people are bound to see this situation from different perspectives. If you are white, you are willing to assume police are doing the right thing and are on your side. If you are black, that has not been your experience in life. Since none of us, including Obama, were there in the house, we have no way to know whose story is accurate (police or Gates) or if "the truth" lies somewhere in the middle, as it often does. But I think it's fair to say the police acted stupidly simply based on the fact that a distinguished professor and homeowner ended up getting arrested. Policemen need to have skills in calming down situations and getting to the facts without becoming overly defensive and outraged, even if they think they are right. And if you think this would've gone down the same way if the professor had been white, you and I need to talk.
  • How is President Obama a racist? Simply because he speaks the truth? How many HARVARD professors you know who have been arrested for going into his own home?
  • Checked out the link;Don't see how in the world you could derive from that that Obama is a racist. Maybe you are! Put down the FOXicles!
  • Wow talk about reaching. Obama called the cops actions stupid. He knows as we all know racism still exists in the US. So how is your projecting that Obama is racist from his remarks? Are you really that desperate?
  • If Obama is a racist for calling an arresting officer's actions "stupid," then I suppose 99.9% of Yahoo! Answers participants are also racist. How many of us have not called someone's actions "stupid"?
  • let me ask you this, if he is a racist.. how is he different from other White Presidents.. do some fear that racism is reversing????
  • We knew he was racist by the church he and his wife attended for over 20 years. This is no surprise.
  • I dont know this. He mentioned an incident that occurred where racism is thought to be the root of the problem, and now he is a racist? WOW
  • He works for george soros.. Soros owns obama and the democratic party..
  • i could go on and on about this but basically, my fiance's parents are in debt and trying to get out. although we are not in debt except for my fiance's small car loan, we dont have any furniture yet and want to start saving. also, my fiance's parents make twice as much as we do and have a nice house, nice cars, etc. i am driving around an old car with a service engine soon light that wont go away. no one is helping us pay for ANYTHING. i dont think its right that the people sleeping on the nicest mattress in a huge house should ask the people looking discount mattresses and tiny apartments for 400 dollar plane tickets. btw we are also very young, 18 and 21. together we make 75k which is great, but his parents make double that and we have to pay for a wedding still. his mom thinks im controlling him by saying we shouldnt pay for the ticket and makes me look like the bad guy. i think its crazy that she even asked us.
  • i shouldnt have said we make 75k. it may sound like a lot but it really doesnt go far in southern california. our tiny apartment in an area that isnt exactly the greatest and is still like 1600/month, and gas is $4, and like i said my old car may brake down anytime, AND we dont even have a bed..or a couch.. ALSO, i know living ina big house and having nice cars doesnt mean your rich, and sometimes means your waaay broke. but, i still dont think its fair. even though they are broke, they have all the things we are sacrificing so we dont go broke. yeah id love a new car and id love to build a custom home, but not if it means going broke. i am sacrificing and i dont think people who just blow their money should look to the sacrificers to pay for their plane tickets
  • That is absolutely absurd of them to ask. I'm floored. Here is what I would do: 1) stay out of it. Let the fiance talk to them about it, and tell him to never ever ever mention you. That way you aren't the bad guy. 2) have him explain to them that you don't have a bed, and your car is going to need to be replaced soon, and that with all of these expenses you have seriously considered eloping on your own. You really want to have a real wedding. You would like to try and make having a real wedding work for the sake of family, but if plane tickets are added into your expenses then you can't do any of it and you'll just be going to the courthouse alone. That will shut them up quick, if they think that by making these demands they might miss out altogether. 3) Traditionally the bride's family pays for the wedding, of course this is not realistic anymore (as you obviously know) but his parents might think the whole thing is being paid for. Since they live far away, they may not know your living conditions, and to be honest it wouldn't surprise me if your fiancĂ© put things in a more golden light in the past than is the case, lots of kids play up their lives to impress their parents so they don't worry. Your FI needs to address the issues and let them know the truth of all of it. 4) if they persist, marry at the courthouse with just a friend or two and that's that. A wedding is not worth going into debt over, especially if there are family members using it to drain you financially. Nip this in the butt now, because if you don't they are only going to have more demands like hotel costs and meals and a rental car... don't let them do that to you. If you give in, I guarantee it will not stop at flight costs. EDIT and to the person who said that if people have nice things they aren't broke... I'm sure that plenty of people who have nice things can afford them, but there are also plenty of people who dig themselves deep into credit card debt just to LOOK like those other people who have the money. In this world, possessions do not equal net worth. Anyone can get ahold of anything, but that doesn't mean they can afford it.
  • I think that any gifts for the parents before your wedding are silly - I mean if they are paying for the wedding, what on earth are you going to buy that would put a dent in that? If you're not paying why are you buying them a gift? I would simply write each of them a heartfelt letter about special they are to you. As a Mom, I've have always treasured these notes more than any gift my boys could ever buy for me.
  • If I'm reading between the lines correctly, you COULD afford the $400 IF his parents truly were destitute and there is no other way they could come. BUT, you do not feel that you should pay just because they cannot manage their finances responsibly. Do I have it right? Your position is reasonable. However, I'm guessing your fiance wants to cough up or you wouldn't be here asking this question. Welcome to marriage. :-) My best advice is not to worry about the $400 - in the scope of one's lifetime it's a drop in the bucket. That being said, I'd think long and hard about whether your fiance, in general, is easily manipulated by his family. If he always plays the "good son" and does whatever they say, I'd be real concerned about marrying him. Never ever marry someone who is not ready to think of YOU as immediate family and bump parents/siblings to extended family status. A huge number of "in-law problems" are actually problems with one's spouse who refuses to maintain appropriate boundaries with their blood relatives. Good luck!
  • First of all - you don't know their financial situation. You might think that you do, but the reality is that you are ignorant of what their bills and bank account actually look like. Take a look around you and you'll understand pretty quickly that the people with the nicest houses and the fanciest cars are broke as a joke. You're young and probably have a somewhat narrow view of the world so that might be hard for you to understand - but keep it in mind. Secondly - you do not have to pay for their plane ticket. Just tell them that it's not in your budget. You are not obligated to fly anyone to your wedding.
  • Personally, I hate people who earn a lot, spend all of it on a big house and car, then whine about money. People like that caused the financial crisis.
  • I agree with you. Some people make very bad decisions financially, or spend outside their means and then look at those like you and your boyfriend who make sacrifices and are able to do things (like pay for their own wedding) and think "Oh you guys are doing well, you can afford this or that." My partner and I budget like mad people (we have a budget planning session every Friday, rain or shine) and we sacrifice certain comforts other people have (brand new cars, expensive salon hairstyles, going out to dinner) for other things that are more important to us (a vacation to Hawaii last year.) I had a couple co-workers complain that I got to go to Hawaii and blah blah and I reminded them that I don't have a car payment, I choose not to have a pet or child which costs food and I take the bus and cook rather than going out. That shut one of my co-workers right up and she said, "You're right. I could probably afford to go to Hawaii but I have a brand new car and a $400 a month car payment." It's ALL about choices in life, people who have one thing complain they don't have another. And just like you, I am better at my finances than my own mother. I used to feel sorry for her and feel guilty that I go on trips and do nice things for myself, but I stopped once I tried to help her with her budget and bills and realized she doesn't want to do any work to say "No" to her whimsy's and continues to try to live outside her means because of pride and not knowing how to say 'No" to other people who also have bad spending habits. Don't feel guilty. They made their choice. If they want to come to the wedding, they will work it out. I am sure their fancy house items would sell like hotcakes on Ebay. You guys are paying for your own wedding and trying to be responsible and I am sure you have had to say "No" to yourselves or friend's inviting you out or on trips. That's the difference I see with my Mom and I. She people pleases and says yes to trips she can't afford to please her friends. I have had to say "No" so many times to offers to go ziplining or a road trip or a concert I was invited to. Why should you sacrifice and they get to live in luxury? Nope, they need to start making better decisions. Maybe this will be a wakeup call, they realize their poor spending is costing them the experience of their son's wedding. It will probably be a good thing for them. If you can't afford the tickets, say "Sorry but no." I am sure they have other family members or friends who could loan them the money if they really wanted to. Their request is absurd, unfair and tacky. Don't fall for the guilt play, let them work it out like adults. However, if they pull a power play and don't come to the wedding, don't mention it. Be understanding and be the bigger person, just say, "We're sorry you can't make it and we totally support you in making responsible financial choices. we'll send you lots of pictures." That's leading by example.
  • I know weddings can put a big hole in your pocket, but no matter what, it always finds a way to work itself out. Maybe you should sit down and have a talk with them TOGETHER (He needs to learn how to stick up for his wife to be). Go over your budget and all the other expenses in your life and just suggest that they just pay for their travel expenses. From there it can go two ways.... 1) Put your foot down. Tell them if they don't want to pay then they don't get to see their son get married. OR 2) Just keep looking for cheap tickets. Sign up for email updates at priceline and expedia and also for the airlines your interested in. They send deals out all the time. Maybe you guys can compromise on something... Like paying half. You can even say that it's their parent's gift (traditionally you give the parents a gift for all they've done for you in your lives). P.S. My mother-in-law puts me in tough situations like this all the time... In her eyes, her son, my husband, can't do wrong. Therefore... it must be me haha. You just need to learn the art of dealing with in-laws (fun times haha)
  • No you shouldn't pay for their airfare. If you regretfully refuse and tell them you don't have the money, they will come up with it themselves or miss their son's only wedding. You have your own family unit to start thinking about- you and your husband. You can't be concerned with your wedding guests' travel arrangements.
  • You have a $1600 per mth apartment and planning a wedding and don't have anything to sleep on ? Somethings wrong with that,
  • This is really between you and your honey. What ever you BOTH decide to do, pay or not pay, you both need to feel comfortable with your decision. As a parent, I can tell you, if I had to hitch hike to my child's wedding, I would be there....
  • With the oil and housing bubbles bursting, prices us ordinary folk pay are returning to their lower, more natural levels? Ask your Congress person if this is true. Please tell me if it's false. The present mess is partly the fault of the Bush Admin because the SEC hasn't been doing its job. But the "investment bank crisis" has been brewing since 1913 when CONGRESS gave up its Constitutional power to "coin money and regulate the value thereof" to the bankers. In 1913 CONGRESS gave us the Federal reserve (which is not government but bankers) and the income tax. It started with paper money. Read your dollar bill, it says Federal Reserve NOTE. A note is an instrument of debt, a promise to pay, not actual payment. So we've been using IOUs to do business. In 1934 America went bankrupt. So by law, people were forced to line up at the banks and trade in their gold coins (which is real money) for paper. In 1964 the government mints took silver out of the coins. Ah, now inflation can really start. The bankers can print all the money they want, loan it into circulation. Since then the bankers have invented all manner of "investments" like "derivatives" and "hedge funds" which has resulted in a house of cards allegedly built on real estate loans. For the last 20 years that house of cards has gotten taller and shakier. Where was government oversight? Where has the Securities and Exchange Commission been? Then a few years ago CONGRESS made the bankers start loaning "sub-prime" to people who they shouldn't have loaned to, but as long as the payments were being made, the bankers were happy to collect the interest. Over the last few years the Federal Reserve (which is the bankers, not government) has kept interest rates too low. Resulting in lots of people getting adjustable rate mortgages at the bottom of the interest rate cycle. Bankers aka Federal Reserve raise the rate (to curb inflation which they created by making money out of thin air) people's payments go up, they can't afford the payments and the house of cards starts to get very shaky. Meanwhile, the last 2 years the Fed has been printing money and creating credit like crazy called inflation. On the world oil market, oil needs to be paid for by every country in "dollars". Rampant inflation means it takes more dollars to buy the barrel of oil. Lehman, which just went under, was a major "speculator" driving up oil prices. The reason oil prices have recently plunged is that their speculative bubble burst, as all bubbles will. So combine the housing bubble bursting, oil bubble bursting, we see the house of cards falling and major investment firms and insurance companies going under. Can we blame Bush? Sure, the SEC has allowed this game to continue to the breaking point. But the true culprit is CONGRESS for not at least keeping a leash on it's creation from 1913. CONGRESS is supposed to "regulate the value" of money, not the bankers. But Congress persons are so busy getting reelected every 2 years they probably never had time to actually read The Constitution. Meanwhile, people got suckered into investing 401k and IRA in the stock market, which is basically gambling with the speculative bankers. So the current mess (and it's not over yet) has been brewing for a long time and nobody in government, which is supposed to be providing oversight of their created corporations, has done their job, since forever. Maybe because the government folks have somehow benefited from . . . oh, no, that's impossible, our public servants would never . . . SELL US OUT for their own benefit . Inconceivable. :-)
  • Some of what you are saying is true, but they had safety in place up to 1999...... You can Blame Bill Clinton and a congress of 1999 for this resent crisis, it's not all FRB fault. This is investment Banking problems. Glass-Steagall Act of 1933 was designed to prevent the kinds of speculative conflicts of interests that pervaded Wall Street in the 1920s and helped bring about the Great Depression and this resent crisis. In 1999, the law banning brokerages and banks from marrying one another — the Glass-Steagall Act of 1933 — was REPEALED , and voila, the financial supermarket has grown to be the places we know as Citigroup, UBS, Deutsche Bank, et al. But now that banks seemingly have stumbled over their bad mortgages, it’s worth asking whether the fallout would be wreaking so much havoc on the rest of the financial markets had Glass-Steagall been kept in place. With the stroke of a pen, Bill Clinton ended the long saga of Republicans and Democrats, working in concert, for their puppet masters (the bankers) with his signing of the 'Financial Modernization Bill' (Nov 12, 1991). As he signed his name, William Jefferson Clinton symbolically signed the death warrant of a level playing field. Clinton & both parties knew better than FDR and our Supreme Court. Nov 12-1999, President Clinton stated, "Glass- Stegal (FDR Banking Bill) is no longer appropriate for our economy. This was good for the industrial age. The (1999) Financial Modernization Bill is the key to rising paycheck and great security for ordinary Americans" (sounds like Obama speech). Tell this to Michigan - NH - California - Georgia etc. The public was distracted from one of the most important pieces of legislation in this nation's history being signed by Bill Clinton, with round the clock coverage, of the Monica debacle. Undecided-independent
  • You can't cheat an honest man if you got *suckered* into the 401 K and IRA stock loss then you should have done your homework I too lost some money but I did not put my money in one investiment..diversify..sure you will lose but everyone who goes into trading loses now and then ....don't put your eggs in one basket....
  • i think it would be good to let it crash.i want to know why they are bailing out some and not others? i think the investors lists at the one's that are getting bailed out should be checked and see if there are any links to government officials.if it crashes us average joe's can have a chance at the american dream which for far to long has been out of reach
  • If you are asking a question, and asking us to ask our congress man, why dont you just ask the congressman yourself?
  • grain prices are falling as well...everything should be back to year ago levels hopefully soon
  • Ok ... what do we do about it now?
  • too much to read and too early in the morning for all this. ********no one cares*******
  • Ok so I am a junior in high school and I am look for some options for college and university. I have pretty good grades Rabin mostly for A and Bs only math are at Cs and Ds do I don't think scholarships and financial aid will be a huge problem. But my single mom makes less than the average American and legally we are considered poverty level. I've been movin around my whole life and basicly I dont want to stay where I live which is south Florida I wanted to know if it was possible to move a colleges and university's every year or if there are any plans for this like ore paid plans or programs my 4 places I want to go to are Hawaii Alaska California and either Montana or Wyoming but I wanted to know if Mabye even move every semester so it will double up my options. I just can't stay in the same place anymore I've been moving countries and schools since fourth grade
  • It is theoretically possible to do this, but practically speaking, it would be very difficult , very expensive, and it would almost certainly take you longer to graduate. 1) You can't just choose to attend a college--you have to be accepted. You might be able to transfer once or twice fairly easily, but once a college sees that you have a history of not staying very long, they are not as likely to accept you as a transfer student. 2) When you go to a new school, you have to meet Satisfactiory Academic Progress standards in order to transfer your credits. These standards are not necessarily the same at every school, so work that made you eligible for financial aid at one school may not qualify at another. Also, coursework and degree requirements vary from school to school, so you are likely to find that all your credits will not transfer. This means that it you may have to retake some courses and it will take you longer to finish your degree. In addition to the time, this would be much more expensive since you would have to pay for the additional time. There are limits to how much financial aid you can receive, and how long you can receive it without finishing your degree. If you delay too much, you can lose your eligibility for financial aid and have to pay out of pocket. 3) Since your family is not wealthy, chances are you will need some scholarship aid in addition to federal grants and loans. Schools generally reserve the bulk of their aid for students who started there as freshmen, and they typically have very little for those who transfer in later---so moving around can cost you a great deal of scholarship aid. 4) If you attend colleges in states other than the one where your custodial parent lives, you will forfeit considerable amounts of aid. First, you won't be eligible for in-state tuition at public colleges. Out-of-state tuition typically costs 2-3 times more than in-state tuition for the same quality of education, so it's almost always a bad idea to do this. Second, most states have grant programs for their residents, so if you go out of state you could potentially be passing up some very large sources of grant aid. 5). Scholarships are competitions. If your grades are only mediocre (and from what you described, they are barely that), you're not a particularly competitive candidate for scholarships, so you probably shouldn't rely too much on this to finance your education. It might be harder than you think to come by scholarship aid, so help from other sources, like state grants, is going to be especially important. 6) When you graduate and go out into the working world, employers aren't going to be too impressed with an applicant who has a history of moving every six months. Perhaps you should be thinking less in terms of college as a vacation, and more as preparation for your future career. In your case, part of that preparation might be learning to stay in one place for a longer period of time, if for no other reason than to start to build the networks that lead to a great job.
  • When you go to college you can't move every year or every semester and change schools all the time. If you change schools you have to apply well in advance to the new school you want to go to, you'd obviously have to be accepted and you would have to file paperwork with the current college to transfer out. You would have to pay the application fee each time you change schools. Also, when you transfer to a new school you would need to make sure they have a similar major to the one you were pursuing at the previous school. Just as a heads up, I transfered and your gpa does not transfer with you so if you had a 4.0 at school A and you transfer to school B they won't give you a gpa unless it is for classes taken at School B. Also, most schools only transfer your class over as electives meaning you would have to retake similar courses at the new school. They do this a lot. My math class at school A transfered over as an elective to School B so I still needed math at school B because they didn't count it as a math class. My english class didn't count either and my first semester seminar didn't count either. They all became "electives" when I moved. And most colleges require at least the last 30 credits you take must be at the school you graduate from so you would need to stay at the last school for at least 1 full year. Your best bet would be to pick a school that offers study abroad options and do that as many times as you can because transfering isnt feasible more than maybe 2 times early in your college career.
  • You can forget about scholarships with C's and D's on your transcript. Otherwise your plan, transferring to 4 colleges in 4 years, is not only unrealistic and impractical - it's impossible. You need a better, more adult thought out, plan.
  • Spending money in today’s society is becoming more and more of a hassle. What is causing so many people in today’s society to be so conservative with their money? The downfall of our economy has caused many of us to become very careful on what we spend our money on. There are many reasons why so many of us are trying to be careful with the money we earn. No one actually even has anymore extra money to throw around on items they know that they will not need to survive. Another reason that is sweeping through the U.S. is the price of gas and food. The price has gone so high that many rely on their money just so they can get gas and food. This has not only affected the working class but also the owners of businesses. When the owners do not have enough money they will begin to lay off, or even fire workers if necessary. This leaves the workers who have been fired with little or no money at all. People are afraid of being fired so they also begin to save their money for future emergencies. When much of our population is begins to spend as little as possible. One cause which causes people to not spend any more money is just because they simply do not have any money. Many have lost their jobs and some do not just get paid enough. When prices are at an all time high who would expect others to spend what little they have? The only thing they can spend their money on is the bare necessities. Spending money is either between the needs and the wants. One can not get what he or she wants anymore. They can only acquire the basics for survival. If ones child cries and cries for a toy or some other type of item, many parents will, even though they know how bad they want to purchase something for their child, not buy whatever it is the child wishes to buy. Reasonably parents are right, but mentally they feel very guilty. If one does not have enough money to spend on miscellaneous items, no matter how bad they want to buy something, they really have no other choice but to go without that item. The only things people really buy are the things they actually need, which leads to spending less on the things they used to buy, and they do this all because simply they do not have any extra money to buy anything else. Another reason why so many are being careful with their money could be due to the significant decline in our economy. The decline in our economy causes businesses to become less productive and produce less profit. If the economy goes down, businesses have to spend more money to acquire raw materials which ultimately causes the prices of their products to rise. When prices go up many stop buying from businesses because they simply can not afford what the businesses are selling. When businesses and their bosses who provide the working class jobs do not have any money, they have no other choice but to lay off workers or even fire them. When people loose their jobs they have no money to spend at all. Our economy is in recession and is causing many to be careful with their budget. As our economy falls the price of gas and food goes up, and when that happens no one really has any money to spend on anything else. According to U.S. retail gasoline prices, the price of gas in California, as of June 2, 2008 is 4.242 dollars. The price of gas has gone up by 0.868 dollars in the last year. When the price of gas goes up and people do not have enough money to buy gas, they will have to find other ways to get around as long as these alternate options cost less than using gas. The price of gas is not the only thing gone up, but even the price of food has gone up. According to the U.S. department of agriculture, the price of food has gone up 4.8 percent since 2007. When food also goes up, then many are stuck paying most of their earnings on gas and food. This ultimately causes today’s society to spend less money on other things. People today are very worried and know that when they retire, social security will not be enough to cover their expenses after retirement. If one does not save up their money they will know that, unfortunately, their retirement plan will to work until they die. If they save they know that if they get very ill or somehow disabled they will know that they have a plan after retirement. Many do not really have an option but to save their money. Social security is declining because our government can not fund it any more, which is causing the working class to save up so they do not have any trouble after retirement. When they start to save, they will have less money to contribute to our economy. When this happens our economy goes even more down, which overall leads more people to spend less and less money because the price of things will keep going up.
  • Change the first sentence to something about how people are spending less, the way you have it phrased now makes it sound like there are problems with credit cards or something. "No one actually even has anymore extra money to throw around on items they know that they will not need to survive." This is a generalization that can easily be proven false. Use softer wording, such as "Many people don't have as much money to spend on goods that they do not need to survive." After the statement about the rising price of gas and food, add a statistic. Eliminate the sentence "The price has gone so high that many rely on their money just so they can get gas and food." First sentence of second para: change "any" to "enough" Show some support for "prices are at an all time high" Sentence "One cannot get what he or she wants." -- show some proof or eliminate it. "The only things people really buy are the things they actually need," contradicted in the next part of the sentence, change it to "they are spending more on the things they need." "If the economy goes down, businesses have to spend more money to acquire raw materials" is not true in most cases. Cite the rising prices of commodities. "When food also goes up, then many are stuck paying most of their earnings on gas and food." Change "most" to "more". They could have already been spending most of their income on food and gas. About saving -- saving actually does contribute to the economy. It is used to provide loans to businesses and people, who employ more people. However, saving's benefits come in the future. Emphasize how in the short run (which is what you're talking about here) it's not as good for the economy as consumption. Good luck!
  • I changed a few things, but it is not too bad. Spending money in today’s society is becoming more and more of a hassle.(wouldn’t use the word hassle) What is causing so many people in today’s society to be so conservative with their money? The downfall of our economy has caused many of us to become very careful on what we spend our money on. There are many reasons why so many of us are trying to be careful with the money we earn. (No one actually even has) People do not have extra money to throw around on items they know that they will not need to survive. Another reason is the increasing price of gas and food. The price has gone so high that many rely on their money just so they can get gas and food. This has not only affected the working class but also the owners of businesses. When the owners do not have enough money they will begin to lay off, or even fire workers if necessary. This leaves the workers who have been fired with little or no money at all. People are afraid of being fired so they also begin to save their money for future emergencies. One reason people do not spend more money is because they simply do not have any money. Many have lost their jobs and some do not earn enough to begin with. When prices are at an all time high who would expect others to spend what little they have? The only thing they can spend their money on is the bare necessities. Spending money has to be balanced between the needs and the wants. One can not get what he or she wants anymore; they can only acquire the basics for survival. If a child cries and cries for a toy or some other type of item, many parents will not give in even though they know how bad they want to purchase something for their child. Reasonable parents are right, but mentally they feel very guilty. If one does not have enough money to spend on miscellaneous items, they really have no other choice but to go without that item. The only things people really buy are the things they actually need, which leads to spending less on the things they used to buy, and they do this all because simply they do not have any extra money to buy anything else. Another reason why so many are being careful with their money could be due to the significant decline in our economy. The decline in our economy causes businesses to become less productive and produce less profit. If the economy goes down, businesses have to spend more money to acquire raw materials which ultimately causes the prices of their products to rise. When prices go up many stop buying from businesses because they simply can not afford what the businesses are selling. When businesses and their bosses who provide the working class jobs do not have any money, they have no other choice but to lay off workers or even fire them. When people loose their jobs they have no money to spend at all. Our economy is in recession and is causing many to be careful with their budget. As our economy falls the price of gas and food goes up, and when that happens no one really has any money to spend on anything else. According to U.S. retail gasoline prices, the price of gas in California, as of June 2, 2008 is 4.242 dollars. The price of gas has gone up by 0.868 dollars in the last year. When the price of gas goes up and people do not have enough money to buy gas, they will have to find other ways to get around as long as these alternate options cost less than using gas. The price of gas is not the only thing gone up, but even the price of food has gone up. According to the U.S. department of agriculture, the price of food has gone up 4.8 percent since 2007. When food also goes up, then many are stuck paying most of their earnings on gas and food. This ultimately causes today’s society to spend less money on other things. People today are very worried and know that when they retire, social security will not be enough to cover their expenses after retirement. If one does not save up their money they will know that, unfortunately, their retirement plan will to work until they die. If they save they know that if they get very ill or somehow disabled they will know that they have a plan after retirement. Many do not really have an option but to save their money. Social security is declining because our government can not fund it any more, which is causing the working class to save up so they do not have any trouble after retirement. When they start to save, they will have less money to contribute to our economy. When this happens our economy goes even more down, which overall leads more people to spend less and less money because the price of things will keep going up.
  • i'm not reading that; it's too long!
  • If a Free Market is best at determining the value of labor, without any help from govt, then why hasn't a middle class emerged yet in Somali...or in Haiti, where weak or absent governments with little or no regulations exist? Or why at no other time in history has a middle class emerged, except in well regulated markets? Or is a strong middle class even a goal of those who always promote the idea of further and further deregulation, elimination of tariff's and any sort of protectionism, and then claim we need a true "Free Market" to have a strong economy?
  • Government is responsible for oversight and social justice, which greed-driven corporations might consider to be "interference" and which corporate-favoring Republicans might dispute, since they keep beating us over the head with their Grover Norquist calls for "smaller government" (code for "no oversight", "no regulations", and "no consumer protections"). Lack of regulation is largely to blame for the housing market/credit market "bubble" and subsequent burst that could have been dealt with as early as 2004, which is when National Public Radio first began warning about potential problems. This same GOP-induced lack of regulation allowed major oil companies to run amok from early 2005 through the Hurricane Katrina period when false claims were made to the American people about damages to refineries that took prices (despite a GLUT of supply) to more than $5/gallon, bankrupting families forced to max out credit just to get to and from work, devastating states dependent upon tourist travels for revenue (like California), driving prices for local goods higher because shipping costs rose, causing businesses to lay off or work shorter hours which decreased money being spent by consumers, and all of this leading up to the defaulting on mortgages, which precipitated the Fannie Mae and Freddie Mac overleveraged COLLAPSE that had been five years in the making---a collapse closely tied to the subsequent financial system meltdown ("Frontline: Inside the Meltdown"--video) that was also tied closely to GOP-led deregulation and elimination of oversight. Long-time Fed Chairman Alan Greenspan, a Republican who had been in favor of the "less government" deregulatory approach to "free market", testified before a Senate committee in early 2009 that: "I was WRONG to believe that they [banks, Wall Street, Fannie Mae and Freddie Mac] could or even would self-regulate." Mea culpa. Socialism by itself can produce stagnation, just as capitalism (free market) without restraint produces bottomless-pit greed that leads to the types of destruction we've experienced three times now in gradually increasing severities under three Republican regimes: Reagan/Bush, Bush/Quayle, and Bush/Cheney. The savings and loans collapse should have been a warning shot for "supply-side" (Reaganomics or "voodoo" economics) supporters, as should have been the loss of our manufacturing base, our middle class, and the rising numbers of homeless and poor for both the Reagan/Bush and Bush/Quayle presidencies, but no...the Bush/Cheney and the Republican-controlled "less government" Republican right-wingers' team had to drive the lesson home by producing the absolute WORST "recession" (I think Depression) since the Great Depression of 1929 that lasted until 1938. Even though the housing/credit collapse and subsequent financial meltdown occurred VISIBLY in late 2007 and through 2008, culminating in the second half of 2008, the problems had been building for almost six years because of the widespread deregulation as a "cause celebre" for the Republican party---favored strongly, of course, by the corporations who would no longer be regulated by government and would not have to be focused on consumer protections (for-profit insurance companies, for example, in addition to those involved in the tumble). "Free" market is profit driven, which has historically proven very COSTLY to our middle-class workers thanks to outsourcing or hiring of illegal immigrants. If keeping low overhead is part of the profit, how can anyone reasonably think that executives would fairly determine "value of labor"? We had a very strong middle-class under President Bill Clinton's leadership, and my parents were middle-class under Presidents Kennedy and Johnson. I don't know enough about Nixon's economic policies to assess them from the standpoint of your arguments presented, but I do know that beginning with Reagan/Bush, a war on our middle-class began as less and less regulations were in place and greed became the norm. Bill Clinton was able to rebuild middle-class jobs, creating 2.2 million new jobs during his eight-year term and leaving office with a surplus (Flynt, 2004; Rossi, 2005) which was squandered in the first few months under Bush/Cheney to the point that his Treasury Secretary Paul O'Neill quit in disgust (Suskind, 2004).
  • The notion of a Free Market is a misconception to begin with. Probably the only true example of a 'free market' would be the old barter system, i.e. you are a farmer who needs medical care, you trade eggs and milk to a doctor for the medical care. In our current economic and business environment a market itself would not even exist without rules and regulations imposed by either the participants of the market of by local, state, and/or federal authorities. The notion of a 'Free Market' is used as model constant in discussing and evaluating economic systems. In reality they do not and could not actually exist.
  • Nope. We need limited government intervention. How about all the oil companies collude and set the price of gasoline at $20/gallon. But for the most part I am with you. Government regulation and unions started because they were needed. Corporations will abuse workers if there are no controls on them. With that said unions and regulations have gone too far and they are bad for business and workers.
  • Because Somalia and Haiti don't have strong economies. An economy has to produce things of value in demand by consumers in order to progress. You can't just have private companies, expect profits to roll in and expect everyone to benefit. People in Haiti and Somalia are more concerned with getting bread on the table than they are with developing a strong middle class. They have to take things one step at a time.
  • An unregulated market means the warlords can get what they want without having to (always) resort to violence. They can simply cut out the middle man and pay a slave wage rather than have to go to all the trouble of robbing you blind for your money. Which is why the unions started.
  • When there was no government interference, it gave rise to Unions, they self regulated. Government regulations have almost made Unions obsolete. But Obviously there needs to be some regulation.
  • a free market requires government oversight to break monopolies. this is quite to the core of capitalism, it's in the wealth of nations. without it companies can make competition impossible and then you don't really have capitalism, you have the current system.
  • Read "Confessions of an Economic Hitman." The reason that Haiti is dirt poor is because of loans the US government and other governments gave to them.
  • no, but it is a good formula for putting 98% of the wealth into the hands of 2% of the population.
  • yes but gov should do only one thing - be a watchdog for white collar crime that hurts the free market, the middle-class. corruption ruins societies.
  • It worked great in the United States in the 1820s and 1830s, didn't it? Weren't most people in the middle class at that time? Hah!
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