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State California
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Allowed (Our partner lenders provide payments in California)
Loan amount limit  $255 if maximum fee charged ($300 maximum check)
Loan terms Max: 31 days
Finance rates 15% of check
Finance charges $17.65
Maximum APR (Annual percentage rate) 459%

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 california loan rates

  • A trust is a legal entity, NOT a loan. There is NO SUCH thing as an owner occupied trust property. No person owns the trust. It 'owns' itself. The FIRST thing you need to do is take ALL your paperwork to a trust attorney to find out if a trust actually exists. Putting the work trust on the paperwork has NO legal effect.
  • "Do you think of the overpowering failure of marriage has something to do with the legalization of same intercourse marriages?" Nope... extra a case that it is against the form to have a religiously-based regulation discriminating against somewhat of the first public. meanwhile, the final information for California confirmed a divorce fee of four.3 in step with a million,000 human beings. Alabama, for assessment, had a divorce fee (for an identical 3 hundred and sixty 5 days) of 6.a million in step with a million,000 human beings. Nevada, same 3 hundred and sixty 5 days, replaced into at 11.4 in step with a million,000 human beings... Nevada, by ways, nevertheless has the optimum divorce fee interior the U. S. in accordance to the main present day information... a technique or the different, I doubt you're real approximately California having the optimum divorce fee interior the U. S.. (in different words, that bit has been made up by somebody) Oh, and the divorce fee interior the U. S. has been falling progressively for the reason that 1991...
  • yes, there probly is one you should use your yahoo search bar to find out or possibly look in your local library
  • I want to buy an apartment with 6 units but I am wondering what I will be looking at as far as the interest rate. I am looking at both fixed and adjustable. I need to keep the rate as low as possible. I have great credit, good income, and also own four single family properties that less than half the value is owed. I want to put a down payment of 10-15%. Any and all help and advice would be greatly appreciated! Thank you
  • Rates for 5+ units are hovering around 6.25 percent for loans over 500K. Expect rates around 6.5 to 6.75 for loans under 500k
  • Based on Fridays Market. 30 year fixed is 4.75 paying some form a point. The other guy saying 4.25% paying 1 point is smoking crack. Maybe on a 5yr fixed. You can do No Points on a 5yr at 4%.
  • You should be able to get a loan around 5.125%. Go to bankrate.com for lots of good info on mortgage rates, refinancing, etc. It's a well-known site with reliable information.
  • You can research this at Bankrate.com, which is a legitimate site for both loan rates and savings/CD rates.
  • Market right now is around 4.25 with buying a point.
  • hmm checking refi and purchase for you Ill give you the best rates avalible to you The best I can find is 5.3750% National mortgage loan source
  • For what? Purchase? Refi? Primary Res or Rental? How much? What's the LTV? What's your credit score? Call a couple lenders. Most don't put the rates online anymore because they're too complex and individual.
  • Credit Unions. First off, they have the lowest rates on loans. I refinanced my vehicle from 10.25 % thru B of A, and went thru the credit union at 5.75%
  • First, for a use car, you might not get a better interest rate. Second, you will likely have to pay a refinancing charge. You might be better off trying to pay this off early.
  • you might want to rethink -- you have all ready paid all ot the up front money -- check and see what the pay off is == with the money getting tighter you might have the best loan west of the mississippi!!!
  • The point of tort reform was to reduce the cost of malpractice insurance to medical care providers, not insurance companies and to stop silly law suits. For some reason, back in the 70's doctors' costs for malpractice insurance tripled and caused a sharp increase in the actual cost of medical care to the public so the medical providers could pay for the high premiums. Medicare and Medicaid started the rise in health care costs for all. All other insurance ended up supplementing the low reimbursements for these government programs because medical providers added it to private insurance customers. Then hospitals could no longer deny health care due to inability to pay which was also added. Government subsidized programs inflate costs over 6% per year. O'Care will have the same affect on the cost of insurance. Its the same with the government student loan program which caused the price of education to soar. Since the federal government has itself now established what must be covered in all insurance policies, what is the point of leaving the state regulations in place. Now people in low populated areas will be paying 2 to 3 times as much as those in highly populated areas because of the size of the pool. That's 46% of the country. Allowing insurance to be sold across state lines is the only way for it to be truly competitive and fair to the nation as a whole.
  • Same thing happened in Texas. As usual, things that the GOP claims will benefit people actually benefit insurances companies. It's just like the "selling policies across state lines" crap. The reason companies don't sell in some states is because of the insurance regulations there. So you would either have to be willing to buy insurance that wasn't as good as what your state insisted on or the companies would have to agree to your state's regulations. Which one do you think would happen?
  • To give you a definitive answer would require more information about what type of loan you have now (fixed or adjustable), how much your home is worth, how much you still owe, etc. Suffice it to say, if that 6.85% is for a fixed, 30 year, it will probably not be worth refinancing now or in the near future.
  • certain. Refi now. The rumor is it ought to bypass as low as 4.5 %. yet who has the gahoonas to attend? i'm at 6.seventy 5 and that i'm in basic terms waiting round for a private loan that isn't fee me. I assume that to open up any day now. credit CNN, Gerri Willis
  • This is a repost with more detail. Thanks to those experts who answered. In California: Looking at a $6000-7000 vehicle with $1500 down. KBB value will be at least 100% of purchase price, likely more. Vehicle age=12-16 years Term=36 mos. Mileage=95-130k Time on job=1st job, 8 mos, 2nd job, 2 mos. Time at residence=11 mos. Gross monthly=$4000 Credit score=630 DTI=approx. 25% Thanks again, good questions.
  • Auto finance is what I do for a living and you need to go to your own local bank or credit union, this vehicle is way to old and has to many miles on it for any major lender to even consider. Everything else looks OK.
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  • For Finance and credit solutions I always recommend this site where you can find all the solutions. http://creditandfinancesolution.info/ind...RE :Credit score 630, what auto loan rate (with more info)? This is a repost with more detail. Thanks to those experts who answered. In California: Looking at a $6000-7000 vehicle with $1500 down. KBB value will be at least 100% of purchase price, likely more. Vehicle age=12-16 years Term=36 mos. Mileage=95-130k Time on job=1st job, 8 mos, 2nd job, 2 mos. Time at residence=11 mos. Gross monthly=$4000 Credit score=630 DTI=approx. 25% Thanks again, good questions. Update: Right, but if I were to finance with a dealer...I have confirmed there are dealers who will finance me in my area for this vehicle, I just want to know what I should expect. Follow 2 answers
  • Dude, you need not to buy a house unless u want depression back. u don't have money as in ? said. your rate will be mafia styled. visit daveramsey.com to learn about your money or lack of it. get 'house buying for dummies' study it memorize it. visit Gov.sites on house buying and mortages. save ur money have lots of reserves. buy small and work your way up.
  • you were depressed for 4 years, so you didn't work? come on! a lot of people are depressed! are you working now, that you aren't "depressed" anymore?? i wouldn't give a loan to some guy who wasn't working.
  • no doc loan.....you will probaly need at least 5% down some lenders out there might do 100% with great credit
  • See the link below for the answer to your question. The short answer is 10% for things like home improvement loans but this does not apply to credit cards.
  • Catholics pray the rosary Jews prey the usury
  • Go to bankrate.com. You can input all of your information there (including your zip code), and it will give you a list of rates based upon an assumed credit score. Good luck! :0)
  • I've been ask this scenario by one of my co worker, if they took a loan of a car and not paying at all from the beginning can that be consider a criminal matter like such arrest can occur or its only repossession that will likely to happen? My personal answer would be a repossession that would most likely occur since it's not a theft considering the lender approve the loan and the borrower went default. Please let me know if you have experience in the past or have knowledge. No stupid answer please. thanks.
  • No it's not a crime. If you default on a car loan, then the car can be repossessed and your credit rating will suffer.
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  • No, it's not technically a crime. The car would be repossessed. I am not sure why anyone would do this intentionally though.
  • It's like not paying full price. Or just a minimum. Not smart financially, but logically I would have to say, it is not something you want to get into. Not sure when or how the law takes in. Car dealer will probably just take back car.
  • No, it's not. Your car will be repossessed and it will be on your credit report.
  • Theoretically, if you take out a loan, and never make a payment, it could be considered fraud -- that is a crime.
  • We are in an economic recession. What happened is that when the housing bubble burst many people could no longer afford to pay their mortgage because they got an adjustable rate mortgage (ARM) and their interest rate skyrocketed. These people were then kicked out of their homes and the banks lost money and had to reduce the amount of money that they could loan out to businesses. Since these businesses could not get access to credit they had to lay off workers and then these workers were then kicked out of their homes and so on and so forth. Everyone is cutting back and not spending which is causing more people to lose their jobs. This is just one reason why there are so few jobs available. There are other reasons also but the housing crisis is a big factor. It's not just California - It's Nationwide. I'm in Las Vegas and have a college degree and can't find a job and have been looking since May.
  • I'm on the verge of getting kicked out this illegal room. Anyways I need 300$ I have no job I was laid off. I am 19 i'm not here to give my sob story but I don't want to be homeless again. I have no family so I can't borrow from them I have a job lined up next week. I I already extended my rent to be payed by a week. I I need to know where i can get a 300$ loan besides chase.. After 15 months it goes to 29.99% you may see this post a couple times because I really need help so please don't say it's a repost or report me. I stay in Los Angeles California.
  • Why are you concerned about a high interest rate if you are about to be homeless? If you don't want to be homeless and you can get a loan from Chase - then do it. Pay it off before the 15 months.
  • locate local day labor company and show up early b4 6am for work. when u get full time job, apply for part time job at fast food weekends. u can then pay off and SAVE money. visit library for at least this one. Total money make over, Dave Ramsey. plus 100s more books to educate u up the pay scale. good knowledge is good luck.
  • ARE YOU LOOKING FOR A GOOD LOAN LENDER HOW CAN HELP YOU OUT? YOU CAN CONTACT VIA EMAIL: marisvickyloancompany@yahoo.com
  • I got my license when the interest rates on mortgages were 13%. No one could qualify for a loan. Half of all callers asked if i knew of any Lease with Option to purchase. I made $1,900 my first year and didn't take a day off. It's 25 years later and i'm still having fun. You will enjoy it immensely.
  • That sounds all good and great, but making money at real estate for a new unestablished inexperienced agent is HARD. Trust me. Especially in a state where many people can't even afford it. Your first year in real estate will be your hardest and most frustrating one. Unless you hook up with a top producer and he gives you his leads on a split. Competing withthe thousands of agents (who have the same goals and idea you do) is difficult, getting people approved for a loan to even buy lately is difficult, and the agents that have been there and in it awhile and are established are the ones who do most business (unless you have friends and family, a ton of referrals, etc) If you are going to move there and get your license and go to school, that is great, but you have to have another job besides being a realtor, because it just isn't steady enough. It isn't how you think. People are so flaky and full of s**t, you have no idea. Not trying to discourage you, just being honest and preparing you.
  • I've had Kinecta FCU (formerly Hughes Aircraft FCU) for over 20 years. Their customer service is great and loan rates very competitive.
  • Can't talk about that specific credit union. But I recommend credit unions. Have you heard of any credit unions going under like banks? Credit Unions are non profit and owned by their members. Thus they can offer higher rates on savings and lower rates on loan than banks. They don't jack up interest rate on credit cards when someone is 30 days late. At my credit union I have a 5.9% visa with no fee and a auto loan at 4.65%. Also a savings certificate that pays 5% per annum
  • You could call the company financing your loan and ask about refinancing. If you've been making all your payments on time, you should be able to qualify for a lower interest rate, which would make your payments go down. Worth a shot! btw - nice name. lol
  • http://www.autotrader.com/I would list the vehicle on auto trader (link listed about) it a great inexpensive way to sell your car if you have the time The 2nd best option is to look in to a less expensive vehicle, the good news is camerys seem to have good resale value so hopefully you want have much or any negative equity. 3rd- I notice you said this was a temporary move so re financing can help, this way you want have to down grade your vehicle. You actual have several options just make sure you do your home work and find the best deal. also try this site when trying to research http://www.autobytel.com/content/researc...Good luck I hope this helps
  • Two things first most people think about these things before they move and second the cost of living is much less in Kansas then it is in California. To answer your question, refinance the car, get another job, get a second job or sell the car and buy something cheaper.
  • If you're still current, call the loan co and see if you could a 2 or 3 month defferment on the car. This would give you some breathing time to decide what you want to do with the car.
  • Move back to Cal, take a second job, or sell the car. That's about your options
  • Sell it.
  • The title will be in both your names, you first her second. You will have to be on the insurance policy as a named driver. Again, in both your names. The lender wants proof their car is insured if its going to be yours.
  • First step. Call your mortgage company. Interest rates are so darn low - that that ARM might not increase by much at all. Ask them if they can give you a quote on how much the new payment will be with the current low interest rates. Remember - when you re-fi an ARM there are tons of pre-payment penalties. And you will also have to pay closing costs all over again. Which easily costs thousands that will be added to the loan amount. Think twice - you might be better off putting all that extra money as an extra payment towards the principal of your home to save a ton over the long run. /
  • go to the bank you use for your daily money.
  • Call a credit union and see if you can make an appointment to qualify for a car loan. It will be worth your time, since they offer the lowest loan rates. Never lease a car. Stats are out there that people that lease are 50% more likely to file bankruptcy later on in life. Always buy a car. Never lease, unless you are very wealthy and need a new car every couple of years.
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  • I have been everywhere with bad credit and I always end up going back to Universal City Nissan they ALWAYS get you in a car!
  • In a nutshell - Dec 2002 Laid Off. Beginning 2003 abandoned all debts and left my car at the airport, and fled the country. Now I'm back with a 756 credit rating. 2 Months ago, I ran a Credit Report and found out that the Comp I had the auto loan with is currently reporting my account as delinquent, and is still doing so on a monthly basis. California has a 4 year statute of limitations...shouldn't that prevent the any/all creditors from reporting accounts from 2003? TIA, Mike
  • Hi Jeff, Thanks for your response. According to web information: The statute of limitations varies from state to state, but usually ranges from 3 to 10 years. In California, it's for sure 4 years. That being the case, it's my understanding that after 4 years of inactivity (on my part) that creditors no longer can report this debt. Do I have this wrong? Is it 4 years of inactivity on the creditors part? They're reporting the debt monthly. Or is the SOL based on the company's state, so perhaps they're in a state that has a SOL of 10 years? TIA.
  • The Statute of Limitations for reporting a debt is different from the length of time they may continue to report the debt. The SOL is a state law, and the reporting stuff is governed by the Fair Credit Reporting Act. If you want it off your report, either offer them a pay for deletion agreement or wait it out.
  • First, derogatory items stay on your credit report for 7-1/2 years from date of first deficiency. This is per the FCRA. The Statute of Limitations (SOL) is the timeframe to bring lawsuit. The SOL has nothing to do with how long the item is reported on your credit file. While the SOL in California is 4 years, you may not want to get too cocky about the creditor not being able to sue. In many states, leaving to avoid paying your debts tolls the SOL. Basically, the clock stopped when you left the country in 2003 and started again when you returned. You could be sued for your debts.
  • Hi, I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here: http://starturl.com/tyjxb
  • My plan is to go to a cc and then transfer to a higher rated university after the first two years. Anyway the problem is that I don't know if I can attend or not? I'm a U.S. citizen but am not residing in America, I'm in a country in the Balkans and have two more years to finnish high school. But the colleges here are worth crap but since I'm not sure if I can go or not I wanted to make sure... what would tuition cost for a non resident student? I also wanted to ask about student loans, how they work and if I'm elligable to get it? By the way, I have no family in California... the goal is to go to where my brothers are which is in Missouri for the first couple of weeks till I get settled in and find an appartment... Is this a good plan? Thank you so much for your answers.
  • Anyone can attend any community college, it just costs more if you don't live in that county. But community colleges in California are very limited in space, and most have been full for months. You'd be better off trying another state.
  • RCC is the place maximum persons of my buddies flow Riverside community college and that's smart adequate that they might carry down a ingredient time job and nonetheless flow devoid of help from their mum and dad. Sorry i don't have extra information for you yet you could google "Southern Calfiornia community colleges" and get a itemizing there.
  • I live in California right now but im planning to move to Atlanta by this fall. I was planning of taking a student loan out from my JC college here in Cali then moving to Atlanta because it's easier. But would I get in trouble for taking a loan out in CA then moving to GA? Is is the same amount? Since the coast of living is cheaper in GA
  • the cost of living in GA might be lower -- the cost of living in ATL... sky high! sometimes you can find a one bedroom for @ $800 per month + utilities in a roach infested apartment located in a high crime area (violent crime like stabbings) good luck to you in this plan Do you realize you will pay out-of-state rates to go to school? That is going to drive your cost of living WAY up not to mention Cali has the most generous state aid of any state in the union for school --- don't plan on getting anything comparable in GA I am not suggesting you don't move to ATL... I am suggesting you get informed before you make this decision
  • Go to the financial aid department at the college you are attending (or planning on attending). They'll be happy to point you to reputable local lenders.
  • Try to get in with a credit union and get a student loan. They have lower interest rates.
  • you mean use it as collateral for a loan? Talk to you banks loan department. go to KBB.com to see the blue book value. That is what the bank may give you, should be in the $2000 range
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  • If you already bought it, then why do you need another loan? Good Luck... ==== update === >>> it's paid off, I bought it using a trust fund Exactly. It is paid off. why get another loan?
  • Don't ever borrow money against your car title..The interest rates are way too high and you may be scammed
  • If its one of the Art Institutes run by EDMC (all of them that use the AI logo), avoid them like a plague. They're not an art school employers take seriously. They're an open enrollment for-profit college, they take ANYONE. They just want the financial aid from the government that you are entitled to. (100% acceptance rate. its garbage) The government is now suing them for 11 Billion Dollars which could wipe them off the map easily. They also got hit with ANOTHER lawsuit claiming the same thing! If you ask me, they're an elaborate corporate scam to funnel as many Government Pell grants and guaranteed loans out of students as they can and leave the students with the bill. The Senate HELP Committee did a 2year investigation and found out the same thing. Ai has the worst drop out rate of ALL for-profit colleges. They're like McDonald's of Art "Colleges". They're a chain that is popping up everywhere. They buy out dying schools, rename them, keep the accreditation.They create programs designed for impulse buyers and quick hits aka uninformed students. They may seem like they would be good, but it is all smoke and mirrors. Pretty building with pretty computers. Meanwhile, it will just ruin your life. The market demand they say they're meeting is not the demand of the Job market, its the demand of the students. Students that graduated AI are struggling to get jobs and have over more than $50,000+ or $90,000+ in debt depending on what degree they went for. Degrees that are worthless in the job market. Basically, AI is a degree mill, a total debt factory. They use bloated success stats and circle logic to back them up. They count students working at Toys R Us as in the field. Avoid them if you want to actually have a decent future. If you really want to pursue your passion, go to a community college, study fine art, and then transfer into a state school. It will be cheaper and the money you save you can buy your own equipment and STILL have money left over for a better future. Their job leads are bogus, they go to Monster, Craigslist, and career builder just like everyone else. Their top employer is HOME DEPOT (Check their own website) and I guarantee none of those are art jobs. Don't make the same mistake my friends and I did. We'll be paying for it for the rest of our lives. If you go with AI you'll be folding clothes at Target or hawking video games at Toys R Us for $8.25 an hour and struggling to pay $90,000+ with bill collectors haunting your every waking moment for the REST OF YOUR LIFE with no way to stop them because there is no bankruptcy protection on Student loans. Please please please make sure you check out these news articles below. Many are accounts from students, staff, and teachers of AI. Feel free to check YELP ("Filtered results" as well.) What you do with this information is your choice, I just want to make sure you know everything before listening to one of their recruiters sales pitch. Remember, they're paid sales people. Not your friend. College may be expensive but what these guys are pulling is straight out highway robbery. Below is a few news articles about different AI's around the country. They're all pulling the same thing. Its EDMC's business model. You will NOT make enough to back the loans. They know this. They just want the government money they can pull in your name. Decide for yourself. You have a better chance of winning the lottery than paying back the debt created by these scammers.
  • All of the "Art Institutes" are a joke.
  • Credit score, LTV, loan type, DTI & more, all go into determining your rate.
  • The rate ranges from 3% to 15% and what rate you qualify for depends on your credit score
  • after double crossing bookies my whole life, i hang from one foot off a roof, and i ask for one more loan and the bookie says it's going to cost and he offers a better rate than i get from banks in california.
  • The Gov. was there from day one finding out what fire fighters needed and followed up by obtaining whatever it was. He asked the federal government for a state of emergency (from Pres. Bush) and received it. This makes it easier for people who lost homes to rebuild and get low interest rate loans. Arnold also called up National Guardsmen to back up the firemen. Bush also provided aircraft to fight the fires. It was a model in how a state should handle a natural disaster.
  • His response was well received by many of the people in Southern California...The Federal Government, President Bush, himself, commends him on his quick response along with the Fire Dept. Chief....there was a whole interview with them on CNN on Oct. 31....didn't you see it? If you did, you missed out!!!!
  • You should have watched the news. Governor Schwarzenegger responded to reporters questions.
  • He's waiting to see how many different ways the dems can blame the fires on President Bush.
  • Arnold: (In stupid Austrian accent): "Now dat's whot I call a hot....fire. I'll be baaaaack!! Hasta la vista baby." Federal Government: "Uhh. Duhhh. I dunno." Difference: None, really.
  • It will be terminated.
  • Unless your income is pretty high it is unlikely that you will qualify for a fixed rate loan with that credit score. You may manage one, but over 10% interest.
  • You might try amerisav.com.
  • Well, it depends..
  • It really depends on your credit rating, your assets and income. For FHA loans -- 3 percent down. There are approvedd "gift programs" whereby the seller "donates" the 3% so essentially you pay only closing costs (they really just raise the sales price -- as long as the property appraises for the higher amount). But to get an FHA loan you wound need to qualify with income and credit. Otherwise typically 10% with PMI and 20% w/o PMI.
  • 5% down payment should make you eligible to buy any house.
  • What you're asking for is a loan. Check out HUD to see if you qualify. http://portal.hud.gov/hudportal/HUD?src=...
  • No. No one is going to gift you money to improve your own personal property. If you can't afford to maintain/improve it, you need to sell it. Now...if you have special circumstances there may be some funding through a private non-profit in very specific instances. An example might be something like adding accessibility features for a disabled person. Funding would be for modification, not home improvement or maintenance. New roofs and kitchen remodels are your responsibility as homeowner. ETA: What you are after is a loan, not a grant. Yes...go talk to a lender about a home equity loan or line of credit.
  • Then that's not a grant - it's a loan. Banks offer them.
  • why would there ever be grants for that anywhere?
  • Idk what to do. I'm 25, hurting financially due to a Sallie Mae school loan that just keeps climbing no matter what I do (its at 40k) I send them one paycheck a month but the numbers still high. I have no money saved up, I live with my mom and she has nothing positive to say about me everrrr. I grew up with her berated comments and feel like I always will. I cry all the time and have no one to talk to. I live in Miami and I want to move to California within the next 2 years. Monday the engine on my car caught fire so now I have no car. I used my last paycheck to rent a car just to get to work this week and don't know how I'm going to get to work next week. I'm broke. I'm just so stressed. Idk where to start to pick my life up. :( sometimes I feel the only way is to end it. I have no interventions. I write a lot of poetry and that helps but its just... Not enough. I'm a loner but I do socialize when I meet people. People would describe me as artistic but quiet but no one knows my thoughts of suicide, or my dreams of death. I have low self esteem and anxiety issues among other things. I'm just.... Tired.
  • that sucks. dont kill yourself though. if the debt gets out of control, you can file for bankruptcy or take a loan out from somewhere with a lower interest rate. dont go to california. thats where i live. it will not make yoou any happier. stay golden.
  • ok ive never been to california but i really want to go to this school. (ive checked it out) could i get in with the right grades? what else do they look for? (like activities or sports? are those required?) also how much would living in on-campus cost? like what are the living expenses? there's still a lot of time for me to do different sports and activities if that what the university looks for. i have great grades and i plan on keeping them that way. i am trying to plan well for my future, so please get some good answers. :) also my parents dont support me going to college, so they wont pay for ANY of it. so could i get a student loan for that college. please help...no half *** answers either :) haha. please help.
  • Well, it depends on what you define as great grades and what you plan on majoring in. I know it's the most applied to Cal State campus. While their average statistics aren't all that impressive (I think I remember their average sat score being something like 1100) they only have a 30% acceptance rate because SO many people apply. My stats were well above their average so I applied thinking it would be an easy backup school but ended up getting rejected (however I did apply for a very popular major). To be honest the cal state education system is kind of a mess right now tuition hikes caused by slashed budgets are hurting a lot of students that end up spending way more money than they intended because they couldn't graduate in four years because they can't get the classes they want because the schools are overcrowded. I've heard rumors one or two campuses are considering shutting down admissions for a quarter or two to help these issues. Now, given all that there are still plenty of people who have positive experiences with the cal state system and get good educations there. I don't know the specifics but it is in LA county so I'm guessing cost of living is pretty high. Any and all extracurricular activities will help your application as well as picking a less popular major (you can change majors once admitted). Because you love it I would encourage you to apply but seeing that it's such a crowed and selective campus I would also encourage you to check out San Diego State, Cal State Fullerton, and the Cal Polly campuses. If you want more information I'd suggest using college prowler and us news and world report, I used them all the time when I was going through the college application process.
  • If you are asking about a payroll check, you can usually count on it being 73% of your the total amount or $657. State income taxes are different in each state so I can only give you a ballpark. It will be close to that though. Check our California Department of Revenue for the exact amount of state withholding. If it is a check from student loans or someone else why would they withhold taxes? If you have overtime on that check, if it is payroll, it will be taxed at a higher rate.
  • Since California is a democrat state you will pay higher taxes because of the state income tax than I would in GA. I would estimate $675 - $625. Possible less since you aren't claiming yourself on federal withholding.
  • Well, that sure depends on many items you didn't mention in your question. $900 check how often? A week/month/every two weeks/twice a month? Is it a job as an employee, or from self-employment? Can anyone claim you as a dependent?
  • I would say 842.00
  • You need to ask your Loan Officer. You should have gotten a Fee Worksheet when you applied. This will show you what your costs will be...or should be a close estimate. Don't pay points. If taxes & insurance are really high I guess it could be that. Just sounds high. I did not say a GFE, I said a Fee Worksheet. How could he tell you what you need to bring unless he had a worksheet? How did he get that information on your application without a worksheet?
  • Ballpark is 2-6%. I know that's a wide range, but without knowing the specifics of the loan or what fees they tack on, 2-6% is a safe bet. Plan for 6% and be happy if it's 2%.
  • Right out of law school........about 56% Consider this......... 56 thousand law degrees are awarded each year........with thousands in the pipe line......law is and will be saturated for years and years.........get something in the health field and you won't have to starve trying to pay off your 200K student loan........just look in the yellow pages under lawyers. ...page after page of attorneys begging for work..........watch TV……loaded with law firms begging for any kind of law suit…just to feed their kids………. the new software can do 90% of what you would hire a lawyer to do.........for $40 bucks........Legal self help just opened in our court house in Feb 2010 they have serviced 900 legal issues in 5 months without the assistance of attorneys……what does that tell you…….go into health care and never want for a good job……..Check this out… Neel B*****, who holds a law degree from the University of California, Los Angeles, has been unemployed for months. According to the National Association for Law Placement's Employment Report and Salary Survey issued in June, the employment rate for law school graduates is 87.6%, the lowest since 1996. Read on with Kelsey....... Kelsey May, a 2010 University of Tulsa law school grad and co-author of What the L? 25 Things We Wish We'd Known Before Going to Law School.........
  • http://www.nytimes.com/2011/01/09/busine...This NY times article was written a year ago, and it sums it up pretty good. The law field is saturated with so many graduates and no jobs available and saddled with huge debts to pay, that they may find almost impossible to find a job. The most interesting thing about this article is that law schools keep pushing for more students, promise lucrative jobs w/in a year of graduation, only to find out that the numbers are wrong. It is a 6 page article, but worth reading. So hopefully, not pursuing law and find another field to pursue before too late. good luck
  • Higher than you may think! I don;t have any statistics, but I have read in business magazines that freshly graduated lawyers are simply not getting the offers that they may have been getting in recent years,. Many are saddled with huge student loans, and are having to take work as HR clerks, law clerks, and paralegals in order to get their foot in the door, while hoping that big offer comes along. Somne simply aren;t able to find any work at all.
  • I've been told that it is hard to find places that will refinance this type of structures. When I got this Home, I was told that since my credit was not that great, I could get it at 9.5% fixed. This was back in 2001 Ever since I been trying to find to find a place to refinance to a lower percentage and now seems like a good time to do that. I would really appreciate any help. Specially from the Professional side.
  • What year was the home built? You CAN refinance through an FHA loan if you can document your income. Can do up to 95% cashout or 97% rate and term refinance. Hopefully your credit is at least a 500 or preferably 580 mid score. Interest rates on FHA refinances right now are around 5.875%-6.5%
  • l. a. County is a county in the state of California. L.A. county covers 4,752 sq. miles and has a inhabitants of better than 9 million human beings. the city of l. a. is interior of L.A. county and is the county seat. the city hall, courts and different valid homes are positioned in downtown L.A. There are 88 protected cities, and countless different better unincorporated neighborhoods, that make up what's termed better l. a.. Such communities as Hollywood, Beverly Hills, Pasadena, Glendale, Downey, Compton, Anaheim, and so on, are all cities, parts, neighborhoods, in L.A.
  • You are looking at 8.5%. If that is ok, you can refinance..
  • alrought, bought a car in august 2005 interest rate was very high. but i had no credit to get it any lower its 2007 and I have plenty of credit cards with i would assume.. a good credit score than in 2005 (im 20 years old) chase is my lender, but they aren't in california so i cant go into a chase location and get a better interest rate... what is you guys recommendation for a better interest bank?? washington mutual? credit union? bank of america??
  • You should definitely go with a credit union if you can. Credit unions tend to always look out for their customers. You will definitely get a much lower interest rate with a credit union. I just turned 21 & got my first car when I was 20. I have a couple of credit cards and a good credit score. But because I have a PT job & I'm young, some of the dealerships gave me a hard time. But the credit union financed my car without a co signer & with a great interest rate.
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  • I am glad you listed credit union as an option; This is the best for anyone that is in the work world. I would suggest that you try to buy a 2006 financed by the dealer at 0% with your old car in trade. This gets a car off the lot that the dealer is trying to move, and they will get more for the sale of your car than they have to pay. YOU GET A CAR WITH 0% INTEREST. I was surprised when I got a 0 down 0% interest note on my car. By buying the end of model, I loose choice. Beggars should not be choosy. If the dealer option is not available use the credit union to buy a new car, trade in the one you have to cut the amount you are borrowing. You may get twice the car for the same monthly payments. CAUTION make sure the length of new payments are not longer than the time it will take you to pay off the current car note.
  • I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you.
  • Let's do a little math, shall we? At $100K per year, that rounds out to about $8300 per month. Of that, you'll probably have about $6000 take home pay. Your mortgage payment or rent should be 33% (up to 50%) of your take home pay, so that means you can afford $2000-$3000 per month. Calculating mortgage interest, insurance, and taxes, that means you can afford a $300,000- $400,000 loan at current interest rates. So, if you want to live at the beach, you can buy a tool shed or outhouse. Go ahead and check the MLS. You could afford something modest, or live far away from the major cities. In OC, you could afford a small home. Where would I live? I like Brea, Yorba Linda, and Tustin, and Irvine. Good luck!
  • For $100k a year, I could afford a one-bedroom apartment instead of the converted garage i live in now.
  • That won't buy you much in California, especially in a big city or near the coast. If I could live anywhere in California I would live in San Diego.
  • If I made that much... I would love to live next to the beach (Manhattan Beach). There is another place that I have thought is really nice the outer edge of San Pedro... With it's old huge houses nice views that would be my second choice. Third Choice would have to be Hancock Park.
  • If you made $100K a year, enjoy your condo or townhouse. Or check into the desert...
  • I would live in anaheim hills =)
  • No. It would be a scam, they would want "fees" up front, and then they would disappear with your money.
  • No, you can only use a lender with a license in CA.
  • Sta Clarita was built on the back of profits made from backyard auto mechanics. Many of the owner occupied homes are highly in debt, often the amount of debt being greater than the value of the property. As such, it is unlikely that you will find an owner of such a property vacate their house and lease it to you at a good rate unless, of course, you can take over their loan payments. These payments are not a bargain. You may have more luck with rehabbers who cannot flip their properties. Often, these individuals have greater liquidity and may give more consideration to an offer to lease that would lower their monthly loss while deferring the sale to a future time when the Real Estate markets have changed their bias to sellers.
  • A little known method for determining a colleges success is by measuring the success of its graduates. Typically a school that under performs will have a higher default rate on loans by its graduates. The converse is also true, where low default rates suggest high post-graduate employment. A good way to see the numbers is on college websites through their disclosures page, the National Student Loan Data System, or through websites that offer college information and comparison.
  • Out of the suited 25 ranked criminal Justice colleges in u.s. massive apple: SUNY at Albany, and Rutgers is interior of sight in New Jersey and has a pleasing application. ARIZONA: Arizona State has a super one and is a exciting college to flow to. CALIFORNIA: UC Irvine has a prestigious one, however the college is particularly Asian. not racist yet I have not have been given any theory how that is going down with you.
  • Criminal Record Search Database : http://www.InfoSearchDetective.com
  • John Jay College in NYC part of CUNY
  • I would like to know between TX universities and California's what is the overall rating? TX better or California? I know CalTech is among 10th compared to MIT. How about TX Houston? I saw many schools in Houston offering health science, public health etc.. What about biotechnology ,? is it better in California? which one is cheaper?
  • From your name I'm going to guess you're from Texas. If that is in fact the case, Texas schools will b FAR cheaper. OOS for the UC's is around $50k. A lot of the schools in the UC system (Berkeley, UCLA, UCSB) and USC will be better than the Texas schools (aside from Rice). University of Texas is ranked 46 in the country, so it is a VERY good school and you should go there if you want a good, affordable education (if you're instate). UofH is an okay school. Nowhere near the caliber of UT or A&M though. Still, you'll get a fine education there. Decide which is the most affordable for you and go there. Once those student loans start piling up, you'll be glad you did!
  • The University of California system is ranked among the best university systems in the world, with UC Berkeley, UCLA, UCSD and UC DAVIS at the top of the UC system. The cost of attending depends on your residence. Obviously, if your a legal resident of TX, going to a TX university will be cheaper. If you are not a resident of CA you will have to pay out of state tution and it will cost you more. If you are resident of neither TX or CA will I don't know which will be cheaper. You will have to compare cost yourself.
  • It depends on what the agreement is that you have with your bank. In a short-sale (which is what will take place..as per what you've typed) your bank agrees to basically take what they can for the house, and forgive the rest of what is owed on the mortgage. If you've refinanced the original mortgage to lock in a lower rate, its NOT considered the same loan as the one you received when you first bought your house...therefore you MAY be liable for repayment of the remaining balance owed on the house. Again, please consult your bank...and a real estate lawyer.
  • It depends. If it is a purchase money mortgage, then you are not personally liable for the debt and you won't owe anything to the bank. A purchase money mortgage is a mortgage used to acquire the property. If you refinanced, then that is not a purchase money mortgage and you could be personally liable. If the lender does a non-judicial foreclosure, you will not be personally liable. If the lender does a judicial foreclosure, then you would be held personally liable for the balance. Judicial Foreclosure The judicial process of foreclosure, which involves filing a lawsuit to obtain a court order to foreclose, is used when no power of sale is present in the mortgage or deed of trust. Generally, after the court declares a foreclosure, your home will be auctioned off to the highest bidder. Using this type of foreclosure process, lenders may seek a deficiency judgment and under certain circumstances, the borrower may have up to one (1) year to redeem the property. Non-Judicial Foreclosure The non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the "Power of Sale Foreclosure Guidelines". Power of Sale Foreclosure Guidelines If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows: A notice of sale must be: 1) recorded in the county where the property is located at least fourteen (14) days prior to the sale; 2) mailed by certified, return receipt requested, to the borrower at least twenty (20) days before the sale; 3) posted on the property itself at least twenty (20) days before the sale; and 4) posted in one (1) public place in the county where the property is to be sold. The notice of sale must contain the time and location of the foreclosure sale, as well as the property address, the trustee's name, address and phone number and a statement that the property will be sold at auction. The borrower has up until five days before the foreclosure sale to cure the default and stop the process. The sale may be held on any business day between the hours of 9:00 am and 5:00 pm and must take place at the location specified in the notice of sale. The trustee may require proof of the bidders ability to pay their full bid amount. Anyone may bid at the sale, which must be made at public auction to the highest bidder. If necessary, the sale may be postponed by announcement at the time and location of the original foreclosure sale. Lenders may not seek a deficiency judgment after a non-judicial foreclosure sale and the borrower has no rights of redemption.
  • If your loan was used to purchase your home, the lender CAN NOT come after you for any money no matter what the home sells for.
  • Talk to an attorney.
  • hey if your in the market to get a loan, walk into BofA and use that as a basis (if you have perfect loan, if not diff story). If your looking, I can give you a guidline of what rate you should get cjkloanguy@yahoo.com
  • bankruptcy isn't completely based on how much you make, it also looks at your debts and certain expenses (child care and medical) I would exhaust other resources like mortgage modifications, extensions on car loans, tell credit cards you are going to file bankruptcy to make them lower your rates and thereby lower payments. Good luck!
  • Bankruptcy has no income limits. Ed McMahon filed bankrupcy and he's a bazillionaire. If you have too much debt and can't pay it then that's the reason for bankruptcy. Have you tried credit counseling yet?
  • I want to register my car but I don't know what I need to do it.They told me that it would take 2 to 3 weeks to get the title but I want to get it registered NOW. I wanted to know if you need the title to register a car? All I have is a bill of sale, odometer discloser staement and a paper with the vehicles information. Is that all I need? Will I get a new title?
  • You mostly need a "huge" loan from your bank, our rates have doubled.
  • Without knowing where you are located in CA or what your profession is, I can't recommend a specific CU. I can tell you that credit unions generally low-fee financial instiitutions. Like your organization, CU's are non-profit organizations designed to serve their Members (rather than shareholders). This philosophy is designed to provide higher savings rates, lower loan rates, and decreased fees. The website to the National Credit Union Administration can also assist you in locating a Credit Union in your area. Then call the closest CUs and ask if the offer those types of accounts and what fees(if any) are involved.
  • I know those two are probably incredible polar opposites [so I dont want to hear anyone say that] BUUUUT there are FX makeup artest schools located at both of them, and I'm having trouble deciding which one. I live in America, but I'd really love with all my heart to go to school in Canada, but my parents would much rather me try out Hollywood. I don't mind California, but I just don't think I'd be very happy there. To make a more wise adult decision I'd like to hear the pros and cons of both places. I'll weigh them out. What makes Canada better than California, and vice versa? No biased answers please.
  • Personally, I would not want to live in either city so my answer will not be biased toward either. Here are a few questions that you might consider: - is either school rated higher or more preferable in terms of the courses and degrees that it offers? - would companies that you want to work for look more favorably at your degree from one of them? - have you compared the cost of living in both areas? - are the fees higher at the Canadian school as you would be considered to be a foreign student? - are there scholarships or bursaries or school loans available for either? - as an American citizen, can you take advantage of co-op or work programs in Canada? - which school do you live closest to? expense and time to spend vacations or breaks at home? - cost of winter clothing to attend in Ontario Have you visited either school? Have you looked up their ratings? What are your reasons for saying that you want to go to school in Canada? Why do your parents prefer California? http://www.fxsupply.com/features/muschoo...
  • Well since your an american citizen , It would be alot harder for you to get into canadian schools. And if you want to live there you're going to have to get your canadian citizenship. I have never been to Hollywood myself, And i do live in toronto. But i'd think hollywood would have better special fx makeup schools. Since it's hollywood. And that's where movies are made. But i think toronto would be a better place to live. It's not as crowded as hollywood. And i love my city :) and our traffic is not as bad !
  • ur mom is right. if you are really serious about your career you shiould go to school, make conatcs and live in hollywood. even though torotnto liukes to think the do a lot of taping, they don't....do not get stuck in canada......
  • Free health care, free life insurance (medication and dental is included if you are unemployed), cheaper education (I mean university). But higher income taxes and you need to be a citizen.
  • Hollywood, there are more opportunities in the US compared to Canada
  • My husband and I want to buy a house. We have a tax lein of about $7000.00, and a credit score of 629. Is it still possible to get a loan to buy a house? Also, because of these credit discrepancies, would our interest rate be higher than normal, and by how much? How much of a down payment would we have to put down in order to have our poor credit situation "overlooked"?
  • Sorry, but with a tax lien, you won't be getting a mortgage. Instead of saving for a down payment, you need to save $$$ to pay that lien off so you can get a mortgage. I am sure that is one huge factor that is holding your credit score back.
  • Bad credit loans are a thing of the past.
  • My husband and I want to buy a house. We have a tax lein of about $7000.00, and a credit score of 629. Is it still possible to get a loan to buy a house? Also, because of these credit discrepancies, would our interest rate be higher than normal, and by how much? How much of a down payment would we have to put down in order to have our poor credit situation "overlooked"?
  • No, you have to pay the lien first. 100% down is required to overlook your credit.
  • You must pay off the lien BEFORE you can purchase the home. No lender will want to give you a mortgage for a home that the government could immediately slap a lien on.
  • No, it isn't, as the IRS/state will likely also attempt to attach a lien to the property, which lenders aren't too fond of.
  • I had the Same problem with a client they called me saying that the arm was going to adjust I called the lender, they said about to 2 to 3 percent on they interest. that is high. almost $900 were in california. So the Bank said if the client couldn't pay they can do a loan Modification, which they did. and clients were happy there payments went down 2% and payment went down $200 and there payment got fix for another 5 yrs.
  • Your lender should send you a letter in the mail telling you what it will do, hopefully it will go down, but mine didn't it wanted to go up about 2% even though economy is down, and it was going to increase by about $300 a month. complete BS with Citi so we did a refi and was able to keep the payments at the same but lower our rate and had it fixed for 30 years instead of an ARM, if you plan on staying in your place for a while (3 or more years) its worth the refi if your lender won't lower the interest (in the chance they jack it up). Good luck.
  • Hello, It depends on how long you plan on being in your home. If you plan on being there for the long term then it makes sense financially because you will lower your payments now and in 5 yrs once the FHA Mortgage Insurance drops off you will save more. One thing you want to look at is what your home would appraise at? If you can get in to the 80%-90% ratio the you can look at what's called an LPMI loan which stands for Lender Paid Mortgage Insurance. There is no MI on these loans. If you are buried in value then you will have to resort to the streamline which you should definitely do because your current rate is so high. You will save more money in the long run as long as you plan on being there long term which is the most important factor to making your decision. I live in California and did my conventional refinance with a company called OCEquity in Huntington Beach. They were great and I highly recommend them! Good luck to you.
  • IM A SINGLE DAD THAT JUST GOT CUSTODY OF MY 5 YEAR OLD SON. I ONLY MAKE $15 HR. I NEED TO HAVE HIM IN DAYCARE/PRESCHOOL AS I HAVE NO FAMILY IN THIS AREA. I LIVE NEAR WHERE THE 91/55 FREEWAYS MEET AND TAKE THE 55 TO THE 405 TO THE 405/133 OR THE 55 TO THE 5 TO 133 TO THE405/133. ANY DAYCARE/PRESCHOOLS IN THOSE AREAS WOULD BE GREAT. I CAN ONLY AFFORD APPORX $400 A MONTH.
  • City of Anaheim - Child, Youth, and Family Services Resource ... Fees: Sliding fee scale. Hansen Child Care Center Orange County Dept. of ..... Equipment loan of wheelchairs, walkers, etc. after school care program for ... www.anaheim.net/article.asp?id=741 - Similar Paying for Care - Child Care Services Association Yet Orange County has the highest rates for child care of any county in the state, ... looking for work, in school, unable to work or have a child with a .... their own scholarships or provide sliding fee scales based on family income . ...
  • I doubt if there is any licensed day care in OC that would take care of a child for $400 a month. You might find an individual who has home care with several children who would do it for that amount.
  • They might put a lien on your property. Interest and penalties will keep adding up. Depending on the amount and how long you are delinquent could make a difference. You aren't clear on that. This is not something to ignore. Call the county tax collector! This will not go away. Hopefully you will get a job and pay your obligations and that will end the problem. This is not a good time to have to sell. However, if you do sell, the taxes will get paid in the sale (thus the lien). NEVER take an advance on a refund (like one answer suggests). You are taking. Loan against your money and the interest rate is really high. H&R Block pushes this and it is really bad advice. They make money on this "service" and the taxpayer gets screwed! If you get a refund, just have it electronically deposited into your account. It doesn't take very long to get deposited after the return is processed/electronically filed. Good luck. This is a horrible situation to be in.
  • Unfortunately most California county offices are strapped for money so unlikely they will offer a payment plan. I'm familiar with property taxes for LA county for a business, many years now past due on property taxes that should have been the responsibility of a bankrupt company but instead held to my boss personally. ....long story short county imposed leins on his personal property, add the years of penalties, offered to settle but they take no settlements it seems, nor payment options save the entire amount due - this will eventually force him to sell his property and pay off those taxes unless a good property tax attorney can work something out with the county. Like other responders don't ignore this it only gets turned into a bigger problem over time. Your best bet is to try to communicate with your county tax collector and hope for something to be worked out that will lessen the blow of penalties and keep the lein away.
  • you really don't have any options if you are in default with your property taxes, eventually your property will be seized by the county and put up for auction you have a specific amount of time to pay all the delinquent taxes before the highest bidder at auction is able to pay the bid amount and claim your property I am a Calif. resident, more than 50 yrs and an totally unaware that there is any kind of payment plan by the county to pay property taxes--that doesn't mean there isn't, but very unlikely
  • If you can't pay it all when it's due, you can most likely set up a payment plan. If not, your option is to sell the property or have it taken for taxes.
  • Borrow the money or get a cash advance on credit. You don't want to be in default with taxes....ever!
  • Buy. Chevy Malibu, fast, sharp, safe, roomy, American made, reasonably priced, durable. Peace. Leases are for suckers unless you can somehow write the cost off on a business?
  • Hey Neven, I love new car fever. I just got a 2008 Mustang GT! Remember, auto interest is calculated by the day, NOT the term of the loan. I don't know about lenders but I do know insurance. When you go to get your new car, insurance is going to be a BIG factor. Don't be fooled by the big companies. Just because there big doesn't mean they are affordable. My family and I use Landa. They are based in Dallas but cover many states. Good luck in the hunt for the perfect car :)
  • Leasing is not a good idea in California. because it is essentially impossible to not go over the miles on the lease and when you do, leasing becomes a lot more expensive than buying a car. For loans, see if your bank will pre-approve you for a car loan.
  • You should learn about leasing so that you can make you own decisions about it, rather than depend on uninformed opinions of others. Leasing works very well for some people, but not for everyone. Here's a web site that explains it: http://www.leaseguide.com/lease01.htm.
  • Leasing is okay for rich people who want a brand new car every 2 or 3 years. That's what leasing is for. If that's not you, then go ahead and buy.
  • I have ever met this kind of situation before,here http://www.AutoInsuranceFree.info/free-auto-insurance.htm is the resource I found useful though.
  • How do you pay monthly rent on a condo? Apartments have rents. Did you mean a mortgage payment? That depends on the size of the mortgage and the type of loan (length, interest rate) you can get.
  • Don't buy it. wait a year or so. Real estate bubble just burst & home prices are dropping fast. By next year, that 400,000 condo will only be worth half.
  • Because of how bad the last stimulus bill was. And lets be real, this is not a jobs bill, it is "Stimulus II". I mean the last bill was going to create jobs, and keep unemployment below 8%. Tell me, what in the heck does the following have to do with creating jobs in the US? $50 million annually for U.S. Postal Service selects an average of 1,125 employees daily, to sit in empty “standby rooms", and do nothing, due to over staffing $20 million for prisoners getting SSI relating to their alleged disabilities $1.4 billion in overpayments to disability beneficiaries $112 million paid out by the IRS to fraudulent returns filed by prisoners $423,500 stimulus funds to find out why men don't like to wear condoms $2.6 million training Chinese prostitutes to drink more responsibly on the job. $1 million in stimulus funds for a genitalia-washing program in Africa $1 million stimulus grant to researching gay males penis size $400,000 stimulus grant research in Buenos Aires bars on gay men's risky sexual behavior $1.44 million stimulus grant to study male prostitutes in Vietnam $239,100 stimulus grant to study of how Americans use the Internet to find love $168,766 stimulus grant study sexual behavior of monkeys by analyzing monkey feces in Africa $3 billion re-sanding beaches (even as this new sand washes back into the ocean). $3.9 million by Securities Exchange Commission, rearranging desks & offices at its headquarters $2.5 million in stimulus checks sent to the deceased $10 million to renovate an abandoned train station that has not been used in 30 years $2.8 million stimulus sent to a Wisconsin nursing home that didn’t need or request it $ 50,000 a piece for paintings of high-ranking government officials. $356,000 stimulus grant to study how kids perceive foreign accents. $900,000 in federal stimulus funds on a new bike signs in Oregon, even though the city already has similar bike signs, which it plans to leave up. $200,000 stimulus grant to study why political candidates make vague statements $615,000 so the University of California at Santa Cruz could digitize Grateful Dead photographs, tickets, backstage passes, fliers, shirts and other memorabilia $1.2 million spent trying to find out if a mother rat on cocaine will abandon her babies $535 million stimulus loan to Solyndra to create green jobs making solar panels. The company is now bankrupt, laying off over 1,000 employees. Sending those jobs overseas to China $2 million stimulus funds to send researchers to the Southwest Indian Ocean Islands and Africa, to capture, photograph, and analyze thousands of exotic ants $296,385 in stimulus funds to study “dog domestication" $2.4 billion spent by Congress on 10 new jets the Pentagon insists it does not need and will not use. $450,000 by the State Department on a art shows in Venice, Italy. Basically we spent $$533,000 of the tax payers money per job, saved or created, by the last stimulus plan. What makes you think this will be any better? No this bill is all about giving the appearance of doing something, and getting Obama reelected.
  • i think of the low approval scores of Congress and the President only coach that the conventional public is disappointed with Washington all together. a great sort of Republicans % to assert, properly Bush must be extra extensive-unfold by using fact Congress has a decrease score. i don't think of it is precise. right this is something to maintain in perspective. After 9/eleven, President Bush's approval score shot as much as ninety 5%. Congress peaked at fifty 9%. human beings in no way like the belief of Washington politicians, it is only the image that "Congress" creates in peoples' minds, whether situations are stable or undesirable, all and sundry is frequently cynical appropriate to the belief of Washington politicians. Its lots much less stressful to have faith in somebody than the belief of a team of politicians, so because it is why the Presidents' approval score is oftentimes larger, whoever it is.
  • To be correct, there was no vote on the bill itself. The vote was about the filibuster. You need 60 votes for that, and it didn't happen. If the bill was allowed to be voted on in the normal way, it would have passed by a majority vote.
  • Why do you think that the "Stimulus II" would work better than the first one? The Vote was in the Senate, controlled by the dems, and the bi-partisan vote was the "NAY" (51 yes on 56 democrats)
  • Its a stimulus that's called a jobs bill. If it created twice as many jobs as the last one, still not a single job will be created. Hmmm... Maybe he should use that term...Jobs saved...lol
  • First, it was the Democrat controlled Senate that voted it down Second, something new..lol
  • Republicans don't care as long as their corporate masters are happy.
  • because the best thing about the bill is it's title
  • they dont want their approval to sink even further.
  • the only place I would send him is to BofA because they have a good acorn program and low rate (last time I checked .75 below 30 year fix) They won't look at his fico if he does not have collections. However, you will not make a commission most likely on that deal, but the goal is to help him... it is tough out there. Good luck...
  • You MAY be able to refinance under a government backed loan. If your current mortgage is a Freddie or Fannie, you may be able to refinance up to 125% of the value of the property. You do not indicate what your current interest rate is. You won't save much unless you can substantially reduce the rate at which your current mortgage holds.
  • Your project is at the instant the living house won't appraise on the mortgage value, consequently at the instant you in all probability can no longer get a lender to refinance a private loan that's larger then the word value so as you suggested you need to place monies into upgrading the living house in hopes that when the improve the living house will appraise for the word value or take that monies you the place going to apply, pay down the word to the factor the place the living house will appraise for the hot mortgage value
  • The loan mod program is for people who due to a loss in income are unable to make their mortgage payments. It is an alternative to losing a home to foreclosure. No lender is going to lend more than the house is worth. Any longtime homeowner in CA has seen a few ups and downs in home values. Until you sell your house the value is just on paper anyway. If you can still manage your mortgage and don't have to sell, just sit tight until the real estate market rebounds. Look at it this way- your 401K probably lost value too, but you can't live in it. At least you still have a roof over your head, even if it is "underwater". ;-)
  • I Can help with your mortgage! I would love to help. Email me, and let's discuss! MSmith@PrecisionFundingUSA.com Marty I am on line now!
  • so im looking for some advice. im currently looking into different PA programs JUST IN CALIFORNIA. is there anyone out there who has completed any PA programs? Where did you complete your program? How would you rate it? How were you able to afford your every day cost of living on top your school materials and tuition? and any other tips you can give would be greatly appreciated. THANKS!!
  • I would check out www.physicianassistantforum.com if i were you, it was a big help to me. As far as programs, if it is accredited you should be ok. The cost is going to be expensive and unless you have savings or a wealthy family you are looking at student loans because you won't be able to work during school, school will probably take you 60 hours a week.
  • Universities: UC Davis truthfully Stanford Loma Linda and that i've got confidence college of Southern California has one to then different colleges which includes. Charles R. Drew college of drugs & technological information Touro college at Mare Island college of wellness technological information Western college of wellness Sciences CSU: Dominguez Hills and Chico has a pre-wellness practitioner assistant porgram
  • Read the website http://www.calhfa.ca.gov/homebuyer/
  • I live in California and there is a new subdivision going up and they are offering 40,000 dollars off the original price on 10 houses that are already being built. They said a lot of people are using that 40,000 to buy down their interest rate....or we could use the 40,000 toward the loan...could this be true or is it just a lie to get us to buy the home??
  • These types of deals are everywhere right now. Builders need to sell their product, sometimes even at a loss. Just understand that this does NOT mean you are walking into $40K worth of equity. The builder isn't in the charity business. They will sell their homes for every dollar they can get. So what that $40K off means is that they can't get more than that new lower price. And neither could you if you tried to sell it tomorrow. Not next year either. Maybe in 5-7 years. Any of that $40K you use to pay your closing costs or points will be equity lost. So I wouldn't go into this deal planning to apply those incentives except maybe to cover your basic closing costs. Otherwise, you'll just end up upside-down for a couple years.
  • the key seems to be the term "original price". What it says to me is that they can't sell them at the original price, so they are reducing the price by $40,000. Unless you were already bringing $40,000 more than the down payment required by your lender for the terms you wanted, the money never existed, its just a price reduction. Another problem with price reductions is that they do make the strongest signal to an appraiser that the market is valuing the product at the reduced price, or the seller would not be offering it. So getting an appraisal at the original price becomes difficult. Homes are worth what a willing buyer will pay a willing seller, but if they are not custom made, they tend to be valued pretty much by the use of comparable sales.
  • If a new builder is offering $40K as an incentive, it means that the value of homes in this area have gone down since they put out their original price list. Perhaps their original prices were way too high for the market as well. In most of the areas in US, home values have gone down recently. Keep in mind, you are not getting free money, you are just being offered an incentive so that the builder can sell as many homes at possible in this down market.
  • lowering home costs by 40k nowadays is not uncommon.. probably you can't sell it at 40k more in the next year or two because of the slowdown of the real estate business.. but i think you can have a little equity there if decide to buy it..
  • Sure, it's true. I see deals like this everyday in DC area. Of course, if you wait 5 years - you can get 200K off the price.
  • Gimmick! 40K off what? Car dealers invented that ruse.
  • It is always good to put a down payment. Those that make it sound too easy, are not be honest with you. Now is a good time to buy because of the very low interest rates. It is a buyers market. I have found this site to be very helpful. You can type in the cities you are interested in and click on a house you like according to what you say your budget is. Then at the bottom of the whole thing, you put the amount that you are putting down, click calculate and it tells you what you will be paying. They do not bug you either. You will get emails when properties are available in your criteria. http://www.ziprealty.com/learning-center...
  • You're probably not going to be able to buy a home in California for zero down, but there are local programs throughout the state that will provide help with the down payment. These programs are offered from Alameda to Yuba City (sorry, nothing that starts with the letter z). Additionally, many of these municipalities offer classes for first time home buyers. That would benefit you as well. There is no such thing as being too informed. The more information you have, the better decision you can make. Good luck with the process of buying your first home. :)
  • There are Cal-Vet loans for a first time buyer who was in the military. Thats the only program I know of by the state. There are special grants for teachers who buy homes.
  • 0 down loans do not exist accept for the V.A (Veteran Administration) borrower who can borrower up to 100% of the appraised value.
  • If you can't put 20% down, YOU CAN'T AFFORD TO BUY A HOME. Didn't you learn anything from the RECENT housing collapse??????? Best wishes and good luck.
  • It's the same as buying a single family home for 1-4 units, you'll want to have a good fico score and about 10-20% down and some reserves to show you can make the payment for 3-6 months if the place sat empty. Rental income is considered as part of your income but you need to factor that at a 75% vacancy rate. If you're in California I can give you more help but the laws vary from state to state so you want a local licensed Real Estate person to help you with a game plan...
  • Find a buyer's agent to work with you.
  • I would like to purchase a car on Craigslist (I live in L.A. California), the car's cost is roughly $2,500. However I do not have the money to pay it all at once. Are there any loan options I can use for vehicular purchases from private sellers? if so, what are the cheapest interest rates (in general) for the loans? Because I do know it involves a credit check and other background information.
  • Well, you stated that you already know it involves a credit check. The rates can be just as good as buying from a dealer. You will have a lein on the vehicle so the bank will need the info such as year make model and milage. Expect there to be very strict guidlines about value vs asking price. If you are a member of a credit union, that is the best place to start. Having said all that, I don't imagine that a car from craigslist for 2,500.00 will be financable.
  • Any bank or credit union. Preferably where you have an account.
  • We are in California and are about to buy our first home. The home we are buying is $260,000 and our loan is for $240,000. The interest rate is 6.125%. With an income of $100,000 and for deductions it's the two of us plus 4 kids. What kind of tax refund would we be looking at? I have a couple of friends who regularly get $20,000 tax refunds. Is that common? Does it seem that we would be able go exempt throughout the year on our paychecks? Thanks!
  • Interest is an itemized deduction. You can take either a standard deduction ($10,700 for a joint return in 2007) or the total of your itemized deductions, whichever is more. Your tax benefit from itemizing is the amount your itemized deductions are higher than the standard, times your tax bracket. Your interest for the first full year you own the home will be around $14,700. If your TOTAL itemized deductions is $23,000 and you are in a 15% tax bracket, your tax savings from itemizing would be $3430. Assuming that you aren't itemizing now, which you probably aren't if you don't yet own a house, whatever refund you're getting now would increase by about that $3430. If these friends of yours are telling you they are getting $20K refunds, they are either bs'ing you or are having WAY too much taken out of their paychecks. A refund is just giving back to you whatever you had withheld that overpaid your tax. (There are a couple other amounts called refundable credits that might be add a few thousand dollars onto what was overpaid, but they are for low-income people, not for people with anywhere near $100K incomes.) If you want an extra $20K refund, have an extra $385 taken out of your paychecks each week - that extra, times 52 weeks, will come real close to $20,000. Anyone who gets a $20K refund is doing exactly that. If your total tax for the year now is around $3000, then you could probably go exempt - if it's around twice that which it probably is, don't even think about it!
  • I just checked my credit score. According to Equifax, my FICO score is 678. I'm a little confused about what that means, though. On the main page of the Equilfax report, when it displayed on my monitor, it said my score fell in the "Good" range (but not "Very Good" or "Great"). A "Good" score was considered between 660 and 724. However, when I printed the Equifax report, it suddenly said underneath the credit score that it was "Poor." Other informational websites I have checked classify a 678 FICO score as "Fair" or "Okay." Considering my credit score and the economy and such, do you think I'll be able to qualify for a home loan in California? More information the lenders might look at: -- My husband's credit score is slightly higher than mine. -- We have $20,000 saved for a down payment. -- We have no debt of any kind. Credit cards are paid off each month. -- We're both steadily employed and together make about $85,000 per year. Also, any recommendations on who we should talk to for home loans in California? Any banks or other lenders that give good rates? Thanks!
  • You can find a mortgage but where someone with an 800 pays 5% you may be charged 8%. start with your current bank where your checking account. Tying mortgage payments into your checking account can save you an extra point. You do realize you will never make the 11/30 deadline for first time home buyer 8k tax credit.
  • I will try to use realistic numbers related to above question. I had first mortgage on my primary residence with balance of over $120,000 in early 2009. The mortgage was a first with 15 year and 5.25% interest. Regular monthly payment was $2,210. I started to make additional $10,000 'principle' payment from 1/1/2009. My rationale was to get credit for this amount from the day bank put it on their books. Sometimes it was 20 or 15 or 10 days earliar than monthly due date. The question is why bank would charge interest based on last months balance? They did not explain why, but just kept replying that it is the bank policy. If you make large payments you would not get credit for lower principle to calcualte monthly interest. This went on for 2 -3 months with me hoping it would be resolved in my favor. Than, somewhere in March-April I had principle balance of $75,000. And again I paid that amount 20 days ealiar and asked for reduced interest. AGAIN, I was charged for balance of over $77,000 for whole month. Can someone explain if I can fight this further when the Chase Home Finance is not explaining anything than saying it is their policy. Now, I have taken out an line of credit from Bank of America for $75,000 with current rate of 2.99% per year. I keep paying additionaql premium every month on diffrent dates amounting to almoswt $10,000 towards the principle. I DO GET FULL CREDIT BY EACH DAY OF REDUCED INTEREST ON THIS LINE OF CREDIT. Why I get credit from B of A while Chase does not explain??? What agency can I contact for California residence loan from Chase???
  • the mortgage interest calculations are detailed in your mortgage loan papers. they are probably doing exactly what the contract says -- something to the effect that "all amounts received will be treated as if received on the next periodic due date" -- which means that a full month's interest is assessed based on the previous month's outstanding balance, no matter what. btw, it is the same when you pay off the loan due to a sale -- they get a full month's interest no matter how many days the funds are early. *** the agreement for your line of credit probably says something different -- such as "average of the balances calculated for each day of the month" as how interest is determined.
  • Most mortgages are simple interest, which means it's a set amount each month. If you make an add'l payment, first the regular payment is posted. Then the add'l payment reduces the balance from the next payment.. A line of credit is not a set amount each month. Which one is better? They're all out to make money from the consumer.
  • I am living in Silicon Valley, California. My brother bought the house as an investment property. (My parents and I are living there and paying him the rent as mortgage.) The loan needs to be refinanced in September. Q1: I would like to add my name on the title. Should I go through the Title Company to add my name on the title? I talked to the Bank. They said that I would be better to go to the title company to add my name. The reason is that when my brother and I need to do the refinance, we still need the title company anyway... Q2: Refinance. Any advise?! I have heard about Good Faith Estimate. I know it is good to get. Can't I only get one after I fill out the application with the bank? In other words, if I don't fill out the application (without having them to check on my info with my ssn), the bank WILL NOT issue the Good Faith Estimate. Isn't that true? Q3: How's the interest rate? Has it been going up?
  • 1. Adding your name on title is simple in nature but your brother needs to quit claim you on, if he is in agreement then there is no issue. 2. If you refinance the land and you are on the application then your name will automatically go on title. 3. Every application comes with full disclosure, including a good faith, and rates are very stable, but the forecast is increasing rates by years end 4. If you need help email me, douglasdiershow@yahoo.com, I am a VP for a large Mortgage Company
  • that can be done at the point of application and close on the refinance yes get a gfe and you should receive it within 3 days of application steady at this point but some small escalation
  • Only you can answer this question. How much risk can you tolerate? What happens if you get laid off? Can you get enough rent out of a new purchase to pay out the monthly expenses? You seem to be a pretty sensible and cautious person and for that reason you will most likely be able to get a loan but your own level of comfort will really make the final decision. Check out prices for real estate and inquire about being prequalified for a loan. Then research possible rents in the area of your interest and how long it takes to find a quality tenant. You will do well whatever decision you make. You may consider paying down your present mortgage and watching the market for a while longer.
  • no. The return on homes that was is poor. But you can make a good deal if instead, you work with an atty of RE and offer to help out homeowners who are behind and as you help them make payments, you own part of their homes. This way, you get the benefits of equity increase down the line and no risk to assume their mortgage. and also invest locally in small businesses by creating a small venture capital company.
  • Nevada, California, and Florida all got caught up in financing houses to death. Especailly in Nevada, where people gamble - perhaps they were never thinking about the future. Also some of these states have large minority populations. They would walk into the bank - and as long as they were breathing they could get a home loan for any amount they wanted. Well, now that homes are not being built - contruction workers have no job, carpet makers, home depot, paint companies, etc - have no one to sell their product to. This leads to lay-offs. /
  • North Dakota is a rural industry. People buy food whether they're rich or poor. Nevada is a tourist industry. People take vacations if they can afford to.
  • number of people that live there.
  • We dont fund our schools well enough to be relevant, pay more, you will have better schools. But you have to be able to get rid of teachers that are just putting in their time, keep the good ones. I know a few teachers I had, if I did my job they way they do theirs, I would be kicking a tin can down the street on the way to the unemployment office. I really dont think liberal or conservative has a thing to do with it, a teacher's politics rarely comes into the classroom. We dont pay the good teachers enough to stay, in my state, a beginning teacher married with two kids, qualifies for food stamps!! That is an embarassement. How in God's name can we require a 4 year college education, then not have the good sense to pay them enough to keep up the payments on their student loans? Is it any wonder our best teachers cant afford to stay and leave teaching? My daughter is a teacher I can guarantee she teaches, not for the money, that's for damn sure, she teaches because she loves kids, she believes in them, and she knows they are are our future. It's a crying shame she has to buy classroom supplies with her own money or go begging to the parents for funds to help teach their kids.
  • If that's as well as you understand statistics I'll have to assume you were in the 50% that dropped out. That is not enough information to even begin to draw conclusions. It could just as easily mean that the 20% of non-liberal teachers caused the students to drop out, or it could be that there is no relation whatsoever. Go back to school.
  • No connection at all. In fact, there is not currently a 50% dropout rate and there is not an 80% liberal teacher count. Neither number is accurate and neither is possible to establish with any accuracy.
  • That along with the fact that they stopped teaching back in the 60's early 70's and switched to indoctrination.
  • Thanks for the chuckle. There just could be a connection!
  • To buy a $200,000 condo (that's on the low end), you need to make about $60,000 to $66,000 yearly. To rent a similar condo, you income could probably be about $30,000 - $36,000 if the landlord is lenient, but some might want you to make more to qualify. To buy it depends on how much you want to spend, how much debt you have, how much money you have as a down payment and how good your credit is, because your interest rate (lower if good credit) can make a big difference in how much you have to pay. So on the low end, let's say a $200,000 condo in Hollywood or Glendale, paying nothing down (good luck with that) and you have low debt, and good credit, you'd have to make about $5000 - 5500 a month to qualify for a loan, depending on the variables. Payments for the mortgage, insurance, taxes, homeowner's assoc, would be around $1500 a month. You could likely rent a similar condo for about $1300 to $1500 a month and you wouldn't have to make as much money as you would for buying for most landlords to approve you, but have good credit and a good history of paying rent on time. Some landlords might allow your rent payment to be half of your income, it varies. (In most cities that aren't as expensive as LA, your rent should be less than a third of your income, but in LA, paying more is common.)
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  • I See this question a lot actually, and as always i say there is no direct answer for this. Housing in CA is EXTREMELY diverse. you can spend 200,000$ for a house in Bakersfield, or 30 million+ for one in Beverly hills. and it's the same with renting. you should be more specific if you want us to help you more.
  • A very crappy 1 br apartment near LA goes for around $1200...A front desk clerk in LA makes about $20/hr whereas in other parts of the US the meadian is $9. Pay must be close to or equal cost of living.
  • enough to cover the cost of what the rent is for the particular place you are renting. so what will the rent be $800? $1200? $5000? or even more. multiply that by 12 and then figure out what you spend on groceries, electric, heat, air conditioning, clothes, medicine, car, gas...etc
  • It depends upon which part of the state you want to be in, and how big a place you want. A 3-bedroom, 2-bath ranch type may go for $500,000 or more in metro Los Angeles, less in Bakersfield. You'll likely need $50,000 or more annually to buy a place, m ore as you get closer to the coast.
  • a minimum of $50,000.00 depending on what part of cali you're in you could get a little crappy apartment or a decent 2-3 house away from the bigger cities.
  • Where in California? Be more specific.
  • Ok so I just recently purchased(kind of) a new 2012 honda civic. Apparently my loan didn't go through so now they're trying to raise the interest rate and all this other stuff that I am absolutely not doing. It's been 2 weeks. Since I only agreed to the rate on my paperwork and I don't actually own the car, can I cancel and get my trade in back? I live in california if that helps. I know dealerships do things like this all the time and it sucks! Thank you!
  • You don't have to take the 'new car' if there is no contract. Whether you get your trade back depends on if they still have it. They may have sold it to another customer or auction. If they did this, then they need to give you the value of whatever they agreed to purchase for your trade. This is exactly why you should always shop for financing before buying a car and never accept a spot delivery. If you still want the Civic, go to a local bank or credit union to try to secure a loan. Take your purchase order and they will give you a check and give you directions on what to do @ the dealership to ensure they get the title.
  • Are you even sure your car is still available? That part worries me. They may not have it. Many times they give them to other lots if they don't think they are going to sell it, Instead of asking us what to do, you need to find out if what your asking is even an option any more .I hope it is for your sake. I feel bad for you that this didn't work out, I would go to the dealership and explain your situation and see where it goes from there. I'd love to know the outcome of this situation. I wish you the best.
  • Say I graduate from school with a nursing degree and I end up with $65,000-$70,000 in student loans. If I move somewhere like San Franscisco or Palm Beach in Florida I would probably start off making $3,000-$3,500 a month. I would subtract 1500 for rent and 420 for student loans. Would this be enough money to live off of or would I have trouble living off of this amount of money? I don't know the average cost of utilities and what the usual bills are for a single person, so I would appreciate any input. Would it be possible to live off of this amount of money in California or Florida?
  • It would be difficult to live in San Francisco for the figures you are quoting. California has one of the highest state income tax rates, plus one of the highest sales tax, and the state is broke and looking for more money. They have already threatened to not pay out state tax refunds, and they intend to raise the tax on gasoline significantly. Of course, to even the situation, they intend to raise welfare benefits to illegal immigrants, and to release from prison almost ALL criminals with non-violent histories. You sure you want to live in this place? Florida appears to be much less expensive, much safer, and much more pleasant.
  • If you make $19.25/hour at a full-time job of 40 hours a week, you'd make $3080 a month. Easy to live off that. 10% of your income goes to long-term (retirement) savings: $308 a month 15% of your income goes to debt repayment/emergency fund: $462 a month gets set aside until you have at least $18 480 saved up. 35% of your income goes to housing (rent, mortgage, bills, utilities): All-inclusive, you can afford under $1078 a month. 15% of your income goes to transportation (gas, insurance, repairs, bus): $462 a month 25% of your income goes to life (food, entertainment, clothing, gifts, travel, medical, wants, phone, internet, cable, kids, other): $770 a month, or $192.50 a week, which is plenty as long as you're dad is setting aside a little money each week towards each thing so that when the big/random expenses come up, he's not caught off guard. Many financial gurus recommend teens have an allowance while they're not working, from which they get their money for clothes, personal food, entertainment and gifts, etc. If your sister does not have a job, she should probably get around $40 a week, and you could probably get around $20 a week. That would mean there's $132.50 a week left for everything else, including groceries and your dad's personal expenses. That's a general budget that most adults live by, although your dad will probably have different percentages and numbers to reflect the lifestyle you guys have together. This budget is also assuming that he makes $19.25 an hour after taxes. With taxes, you guys are probably closer to $2500 a month.
  • No, you would be struggling with that income. If you only made the first figure of 3k a month, and your rent was $1500, that is half your income. You should try for a place that is $1000 a month or less.
  • The rent you list is 50% of the income you list. That is about double what it should be.
  • Never will I do this again! In 2006, a family member was given a notice their interest rate was going up & their payment was going to be 1,000 more per month...they could not even pay the current payment. They called my boyfriend several times for help, due to their poor credit score of 419, they could not refinace (boyfriend is a loan officer). They only had a few choices sell or get help from a family member. Being a licensed agent I told them their best bet was to sell but they had to sell fast or I would buy the house, lower the pyt and they would make the payment until their credit was better & they could buy the house back through a vested interest refinance. They made the payments for over 2 years, now they can not afford the house. They will not move or pay rent. I tried to evict them and now they are suing me saying I baught the how wrongfully. I did nothing wrong and only helped them..how do I get them out, they even CANCELED our contract!
  • They can not cancel the contract without your approval. Proceed with the eviction and if they try to sue, which I doubt...get yourself a good real estate lawyer.
  • if your bankruptcy occured 12 months ago or earlier, you would still be able to get a home loan. However, you may get a slightly higher interest rate. If you are a teacher in California, there is a special program that will help you with your cloning costs, which usually runs about 3-4% of the purchase price. If you live in Southern California, you can e-mail me. I am a Realtor and I have a mortgage broker who can help.
  • Join my small business group. We have this information for free! Bankruptcy may effect the process---check with mortgage lender.
  • if your bk is discharged you are forgiven to a certain degree. you need to have rebuilt some credit. the catch 22 is how if you are bankrupt and nobody will take a chance, how do you rebuild.how old is he bk also is a factor. contact me and i will gladly look over your scenerio and if you cannot get into a mortgage today, we can devise a plan. there are always options. advice is always free! highergroundfinsvc@yahoo.com.
  • Yes, but there is life after a BK. It will require rebuilding and paying things on time. Here is some additional info. Hope this helps.
  • I have two options that I qualify for and was curious if anyone knew anything about either of them. The first option being the HomeChoice Program which offers a lower interest rate for 1st time homebuyers with a disability. The other would be a 40 year fixed loan with down payment assistance up to 3% of the purchase price. If you have any experience with either of these, I would appreciate any knowledge you have to share. Thanks!
  • Since you are qualifying for the 40 year plan I am assuming you do not have a ton of income. If that's correct, then this option is better for you. The 40 year option will allow the lowest payments each month. If this is a CalHFA program or somthing similar, you will have to stay in the home for a minimum of 3 years or face repaying the 3%. You will be coming out ahead this way because you will get the down payment money, and not pay interest on it.
  • Goods: creates stablity (or at least the perception of security) creates level competition Bads: increased regulation and more government control over a market that's supposed to be based on the capitalistic "supply and demand" model. unfair rules from national standards leave some areas at a disadvantage (Ex. Montana paying high interest rate based on statics from defaulting California loans)
  • Here are my stats: Single Exempt 1 Just graduated college in June 2007. Job 1: BOX 1: $20,483.73 I chose exempt 2 for this job. Job 2: BOX 1: $12,804.96 I chose exempt 1 for this job. Prize from Blingo: "OTHER INCOME" $1,000 Fidelity investments: $86.67 Interest taxable Income: Citibank: $100.00 Wamu: 14.41 INGdirect: 47.00 Now from Jan - June. I was a Full time student at UC Santa Cruz which is a four year college here in California. I paid for 2 quarters of schooling. I am still waiting for their tax forms. I dont know if it will change anything. I understand the standard deduction is $5,350 this year and exempt is $3,400. Also that the 15 percent bracket for tax liablity is around 33,000. Will I end up paying 15 percent or 25 percent? If i pay 25%, how should I deduct enough where I can fall into the 15% tax bracket. thanks!
  • Actually, for someone filing as single, the 25% bracket starts at $31,850. But that's TAXABLE income, which is after your standard deduction and exemption are subtracted, so you'll be in a 15% bracket. But I'm not sure you understand how brackets work - if you were $1 into the 25% bracket you'd only pay the 25% on just that dollar, the rest would be taxed at a lower rate, some at 10% and some at 15%. Your tax will be around $3475. You don't say what was withheld for federal income tax (box 2 of your W-2's) so there's no way to say if you'll get a refund. If more than that was withheld total between the two jobs, the overpayment will be refunded to you. If less was withheld, you'll have to pay the difference. If you paid tuition and fees out of pocket or with loans, NOT with grants, that should lower your tax some.
  • Go to www.turbotax.com and use their online filing tools. By just entering all the basic information you outlined above, your tax liability or return will be calculated. If you choose to actually file this way, you don't pay until after you do the prep - and they are only $29.95 for the whole service. I have been doing my taxes this way for years - takes all the guess work out of it and you are pretty much guaranteed not to make a mistake.
  • Go to the Turbo Tax calculator, input your data and get a good estimate of your taxes and refund: http://turbotax.intuit.com/tax-software/...By the way, since your adjusted gross income was $54,000 or less in 2007, you can use Free File to prepare and e-file your taxes free online: http://www.irs.gov/efile/article/0,,id=1...
  • It's a code that is assigned by the Department of Education that identifies a school as being approved to participate in the federal financial aid programs. http://www.finaid.org/fafsa/scripts/tiv.... I typed in PIMA Medical Institute and had to shorten it to PIMA. What came up is on this link. There is a Chula Vista/San Diego location listed but I can't find the school code for that location. They may be under one main code and given branch codes to help identify all of the campuses. Make sure the school you attend is a reputable, legitimate school that won't rip off your money. Proprietary schools like PIMA are concerned with profits first. Call around and ask employers how they feel the education is at this school? This will give you an idea of what the professional world thinks about the education of the students at this school. If the potentional employers don't speak highly of them, the chances of you getting a job after graduating are slim to none. You can also call the Department of Education and ask about complaints and default rates. Default rates go to the strength of the school's ability to get their students employed after graduation. If students can't pay their loans back, they go into default. You can't judge by the information on their website alone. Do your research.
  • Pima Medical Institute School Code
  • My advice re the FAFSA is slightly different. I always fill it out as soon after January 1 as possible with estimated numbers. This gets the form into the queue. Then, once I finish my taxes, which can be in Feb or March, I go in and file an amended FAFSA. This technique is easier to do in the second year or beyond of college, because then I just use the numbers from the previous year to file the one just after New Year's.
  • I am 27 male in california. I want to go to my local community college. I made less than 15000 in 2007 and less than 10000 this year. In other words i qualify for financial aid. How much can i get for going full time and do i qualify for any more help like grants etc etc. I want to take spanish drug use and abuse, and a history class or nutrition class. i kind of want tostart on my way to becoming a drug counselor but really have no clue these classes or just interests of mine im doing it for the extra money. Are any of these classes count as my general ed. Any good ideas on someone with no directon.
  • If you're eligible for financial aid you should be able to get enough money to cover the cost of tuition and fees for the classes you will be taking. Other than alternative loans, however, you will not be able to "make money" by going to college. Alternative loans have higher interest rates, the interest accrues while you are in school, and do not always offer you a "grace period" before you need to begin repayment. If you can avoid them, it's best to do so. You should meet with someone at your local community college to ask about programs that would prepare you to be a drug counselor, or other similar jobs that you may find interesting. They may have a certification program that will allow you to work in the field upon completion. Courses in psychology, sociology, nursing and similar fields would probably be helpful. It sounds like you are also interested in learning Spanish, if you can become fluent that is a definite plus on the job market! The best advice I can give you is to find someone at the school who can talk you through the process. They can walk you through the financial aid process, explain your loan options, discuss the different programs, and help you figure out what will work best for you. Good luck!
  • If you refinance they are going to It's going to cost you. I refinanced to get a lower rate and they ended up charging me about 3 thousand dollars and i didn't realize it because they rolled it into the payment .The best thing to do is just get a line of credit against your home . I went to a credit union and I got a line of credit with a fixed rate of 6.9 . look into it .What ever you do good luck.
  • WELL ...I think you must go for this company if you really want to get the best and low interest debt consolidations services....One lady Kelly is there, she is very kind and smart in solving this type of querry. I have consolidate my 4 different loans from this company, its http://www.debtreduction123.net , u just try it out once. You only have to fill up the request form thats it...And she will come to your home probably tells you everything what they can do for you. And the important thing is that, this all is free of cost. They will not charge you a single penny from you for this thing. Just fill out the form and wait for her call.
  • Background: We are starting the process of incorporating a new business. The company will be a 'C' Corp. We have three founders, two of whom (call them "Tom" and "Dick") will be operating officers and will make no significant investment of capital, but do bring existing business relationships to the table. The third founder (call him "Harry") will serve primarily in an advisory/supporting role, but will be contributing a large amount of starting capital. We want to hold half of the company's stock in reserve for later capitalization and employee stock ownership. The remaining 50% of the stock should be divided equally between "Tom", "Dick" and "Harry" so that they share equal ownership of the company. Here's where it gets sticky: We want to repay Harry's loan to the company over the first three-to-five years, but in addition to this, we want to reward Harry's capital investment with a small percentage of our (gross) revenue -- perhaps 2%. This arrangement could be in perpetuity but we would prefer to switch it from a percentage of gross to a percentage of profit after three-to-five years. How can we structure this sort of arrangement? Could it have something to do with selling Harry a different class of stock? Is there a way to structure a loan so that it pays interest + a percent of gross revenue? Any help is appreciated. BTW: The company will be a California Corp.
  • You really should consult with an attorney and a tax professional. It will be money well spent. Having said that, you should consider issuing preferred stock to Harry. Loans can get tricky, both from legal and tax standpoints. You could end up with below-market interest, or a really exorbitant rate if the business takes off. Plus, Harry might want a structure that provides him with capital gains vs. ordinary income treatment.
  • Why aren't your parents contributing anything? Seems odd. If you are low income, you should have gotten a lot of aid. The loans aren't really that daunting if you get a part time job or work study -- it'll knock off at least 3k a year(a summer job will help even more). CC is a very viable option and a great choice if you want to save money(plus, you can work at the same time too). If money is really a problem, I'd say go for it. The first two years are pretty much general education, no real work on your major, so it won't change how employers see you. As long as you can get a TAG and transfer into UCSD or somewhere better, you would still have pretty much the same options when you graduate. The only major con against going to CC is the missing out on the college experience. The first year or two at college is where you really make connections, have fun living at dorms on campus, and meet new friends. As a transfer student, you'll lose out on that, and it might be slightly harder to make as much friends as you would have as a person who attended all 4 years (this is also true if you are a commuter). I would say there is no advantage in the very long run. The most important thing you should be doind while attending college is getting work experience/internships. After you transfer to a four year university, try to get involved with research or biotech companies(there's a LOT in the SD area) and get a job or internship. Employers value work experience then they do a college degree (of course, you need to get a degree to get there, but think of it as a stepping stone). It will be difficult for you to get a job if you've gone to college but have not had any real experience.
  • Somehow it has become common for many schools to recommend that high school graduates go to a community college then transfer to a 4 year school for the rest of their bachelor’s degree. Even to get an associates degree first. Do note that in Canada a community college is often just called a “college” and all 4 year schools are “universities” In reality, this path only makes sense in a few cases. It is not for the majority. Because from most community colleges, seldom more that 5% of their students will ever make the transfer. And some CCs do far better a job than others in making the transfer. The normal way is to go to a 4 year school right from the start. Going to a community college first is for when: • You cannot afford all 4 years at the 4 year school and you really need to save money. • Your grades are too low to get into the 4 year school right away • You are immature and not ready to go away to college. That is, you have never been away from home and you are going to be homesick if you go too far away from home. Otherwise you should only go to a CC if you are planning on only getting that much education. As for getting an associates and transferring be aware that the courses needed to get as associates are rarely what you need to transfer. Not all the credits you earn for an Associates degree may transfer. Then you end up taking an extra year at the 4 year school anyway. The biggest issue is that universities do NOT coordinate their course requirement with what community colleges teach and it is likely in a lot of cases that upwards of half of your CC courses will not be accepted by the university. When a university updates a course, the CCs may not find out for years. Going to a 4 year school from the start is the best way to go unless you simply do not qualify. If you get your general education requirements at a cc first, and you have the slightest hiccup in getting your courses for your major in the other 2 years, you will be doing an extra semester or two. And with many state universities impacted by budget cuts if you have even one case of a course you need not being available when you need it, you will have trouble. Not all courses are offered every semester. As well, if you are taking a difficult major like engineering, there is no way you can do all the specialized course work in 2 years. You will go crazy taking nothing but very hard courses for the 2 years. California has a transfer system that all the CCs are in but the requirements are very stiff. http://www.universityofcalifornia.edu/ad...For my daughter who had a great high school GPA we never considered in a moment going the community college and transfer route. We have no regrets from her going direct to the four year university from the get go.
  • Compared to a "less than 4 year university", yes. However, there are different advantages within 4-year colleges themselves i.e. location, schools of college diversity, accreditation, reputation, etc. in summation a 4 year univ. will trump any less than required university on a resume'.
  • very slight. what really matters is where you graduate from.
  • Depends on where you live. California cities that have rent control have ordinances requiring landlords to not only pay interest on security deposits, but to place the deposits in a bank insured by the FSLIC (Federal Savings & Loan Insurance Corporation) or the FDIC (Federal Deposit Insurance Corporation). If the interest-bearing accounts at these institutions pay less interest than that required by the ordinance, landlords do not have to pay the rate required by the ordinance -- they need pay only the interest that the bank is paying.
  • That is typically determined by state law. Take a look at your state's landlord/tenant law online to see whether you are eligible to receive interest - and if so, in what amount. In my state (VA) landlords with more than 4 units are required to pay interest at a rate determined by the Federal Reserve Discount rate on January 1 of each year. Owners of fewer units may pay interest voluntarily (few do) but are not required by law to do so.
  • In June of 2010 we declared a Chapter 7 bankruptcy with about 40k in collections, credit cards, medical bills, etc. We have never owned a home before. Current credit scores are (547, 622, 616) (546,599,628) so on average we are a little less than 600. We have saved ($5,000 so far). We have two credit cards together that we use for gas and pay off in full each month ($500 and $300). We also have two car payments than are current, never late. We owe 18k on each car. We got the credit cards last month so that we could have some “revolving” credit. I’m hoping are scores start rising soon. Last year we made 98k together and this year our gross income will be around 130k. Would we qualify for an FHA loan and if so, are we looking at "years" in order for us to buy a home? I added my brother to my credit card so that I could start establishing credit for him. He is only 19 years old, but has a credit score of 719. He said if it would help us, he would buy the house with us. Not sure if that would even matter, since he is so young with no credit history. Would it help? He would probably live with us anyway. We are very close. With our low credit scores, will our interest rate be so high that it makes more sense to wait? Even if we can get our scores to the low to mid 600's? We are looking at homes in the Oakley/Brentwood area. $185k - $300k
  • You still have a ways to go - you need your scores to be above 640. You also need a lot more money - about $20,000 for that low priced house (3.5% down, 5% closing costs and about 1.5% for the first two months mortgage payments). if you start looking at $300,000 houses, you are looking at needing $30,000. And those are for FHA loans - a conventional loan you'll need a lot more.
  • if buying is essential for you, do not use lenders for 5 more years--seek out a RE agent who will negotiate a LEASE option for you! AN ex-Californian can guide further
  • My recruiter said once I paid them off I would be fine, but I need to get them taken care of before we can move on. So when I do pay them off I will no longer be DQed from joining the military. He said the fact that they were just traffic offenses that they won't be a problem for the security clearance. It is only at $2,000 because my parents kicked my brother and I out when I was 16 and he was 17. I worked at a grocery store and could not pay rent (IN California) and all my other bills.
  • Consoliated loan that will give you payments as low as $100.00 a month until the loan is paid off. This builds your credit back up as long as you have paid the laon back in full. Alsi get a low interest rate loan, so they don't make so much money off of you.
  • a FEW items? to add up to $2000? sounds like more than a few, or you have been in collections for a while. to answer your question, NO, i have never had anything reduced. then again, i have had only ONE ticket in my life, and that was a 'fix it' ticket because a tail light was out. all i had to do was fix it, and they dismissed the ticket. and i pay my bills... you aren't going anywhere. unless it was one or two BIG tickets (fine wise) my guess is you have too many moving violations to be considered for enlistment. plus, if you are in collections, you'll have to have a repayment plan in writing, and be making on-time payments (at least 4 to 5) to show you are honoring your obligations. the military doesn't have a lot of sympathy for law breakers or dead beats. You have some problems even IF the tickets have been paid off. You are showing disregard for public safety (speeding endangers more lives than just your own), contempt for the courts (ordered to pay the ticket and blowing them off), and disrespect for laws in general. "i owe $2000 and i don't have that kind of money right now". Boo hoo. had money to put gas in the tank? bet you have a cell phone and data plan. if you have money for that, then you have money for your debt. you knew the law pertaining to speeding and just thumbed your nose at it multiple times... no tears of sadness from this chick.
  • You can often negotiate with collections agencies to reduce the amount owed and a payment plan.
  • any attempt to do so just to enlist disqualifies your from enlisting altogether as far as the military is concerned. the fact that they are in collections Disqualifies you and paying them off does not change that the fact that the amount is so high disqualifies you and no getting them lowered does not change that
  • Once they went to collections you because DQd from enlisting
  • $2000? Really? Apparently you didn't learn your lesson. Which won't look good if you ever need a security clearance.
  • Any outstanding legal issue is a DQ.
  • Do you publicly urinate ON an officer?
  • http://www.badcreditcash.net
  • Hello Sophia, How are you? We can go up to 95% LTV on a manufactured home. We would need to have your FICO scores at 620. Now, we do provide Free credit remediation, which simply means we'd work with you to improve your scores if needed. Often times we find errors on our clients credit reports, or simply need to adjust some balances on their credit cards. There is a great website which will provide you free information on mortgages. It is http://freemortgageinformationsoutherncalifornia.com BTW, where I live in Laguna Beach there are some manufactured homes with ocean views that I'd love to live in. Kindest Regards, Darren Meade
  • Hey Sophia, First of all and I am not trying to be ugly....but, why would you want a manufactued home? They don't increase in value as a normal home would. Not a real good investment. You can get a 30 year loan but, nobody will do 100% financing on a manufactured home (double wide only). You'd have to put money down. Average interest rate for good credit is about 7%. That would increase a bit for loan on a manufactured home.
  • i'm no longer able to provide you expenditures or expenses, yet you're able to perform a little analyzing on the Ca. government internet site that talks approximately your rights and household initiatives concerning to synthetic properties. some stable information on that internet site.
  • I purchased a unit in a high rise building in Baltimore 2 years ago. The construction is finally finishing up and I am set to close July 07. The idea was always for this to be a primary residence however I have since moved to California. I locked in a price of $350k and it has appreciated to at least $425k so I still want to close. Through USAA they are offering me a "Primary Mortage, Second Residence" loan which gives me a primary rate though acknowledging I will nto live there year round. What are the best ways to treat the taxes and more importantly the gains? Will they be capital gains? Can I avoid that? I have also considered taking a small equity loan. How will this affect the overall situation?
  • You loose all of your income tax deductions, if that is what you are talking about. They may give you the rate, but that does not change tax law. You don't pay your capital gains until you sell. This mortage again doesnot protect you from paying your fair share. The only way to avoid CG for you would be to do an exchange instead of a sale.
  • I would think that you would be able to gain the same or more interest in a second mortgage.. I mean think about all those flippers out there.. They get the interest and then some.. I was told when we bought our home there was a seven year penalty. Meaning if we were to sell the home before that time was up than we would loose all or some of the gain.. I bought a 4/2/2 for only $40,000 and have had it for a little over a year... It now is up to $56 with hardly any work add to the home.. I think you might want to go talk to you're broker and see what they say..
  • It depends on where you live but in California, you have to have decent credit, some down payment and income from a job. Then you may get help with down payment and a reduced interest rate. Generally speaking, SSI won't cover the insurance and utilities much less the payment on the loan.
  • A bank in California, Bank of America, borrowed $80,000,000 at 9% interest for 180 days from a Japanese investment house. At the same time, the bank made the following loans, each for the exact same 180-day period: 1. An 11% simple interest note for $38,000,000 to a Canadian firm that extracts oil from Canadian tar sands; 2. A 12.8% simple discount note for $27,500,000 to a French contractor building a factory in South Africa; and 3. A 12% simple discount note for $14,500,000 to a Louisiana company building minesweepers in New Orleans for the Egyptian government. a.) Find the difference between interest received and interest paid by the bank on these funds. b.) The bank did not loan out all $80,000,000. Find the amount they actually loaned out. I know that there are good guys out there who will help me to solve all of these problems! Thank you very much! :)
  • 180 days is half a year. So divide the interest rates in half, and multiply by the amounts. There is a calculator in your computer (Start/AllPrograms/Accessories), or you can type math expressions into into google and it will compute them for you.
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  • We plan on buying a 1.1 million dollar condo here in california My dad makes $70,000 good credit, and bought a 250k before My mom makes $60,000 good credit I make $50,000 good credit We will deposit $400,000 and it'll be based on a 30 year mortgage=$7,500 monthly Do we have a good chance on qualifying for this condo? God bless & don't hate please
  • $7,500 monthly for a $700,000, 30-year loan? That equates to a 12.5% interest rate...Either your numbers are off or you would be getting completely hosed. (Or your condo fees are high enough to give you platinum-plated elevator buttons.) No bank would let you have a $7500 mortgage payment if your combined monthly income is $15k. You might just barely eke out a $700k note at prevailing interest rates if you have zero other long-term debt, but the taxes + association dues would probably disqualify you.
  • I'm a prospective nursing student in the San Francisco area. I have just about finished all the required prerequisites needed to apply for the Registered Nursing Program or the Licensed Vocational Nurse Program at a Junior College (CCSF). The surrounding universities have heightened their RN Program expectations due to the rigor of the program (they only accept GPA's of a 3.8 or better, I'm at 3.5). Private colleges are too expensive even with grants and scholarships and loans etc... So the only thing I can depend on to get me into the RN Program or even the LVN Program is luck because they do it by lottery. Less than 100 students out of 800-900 will get into the RN Program and Less than 50 out of 200 will get into the LVN Program. So basically, if I don't get picked, I could end up waiting years to get into either of the Programs. Besides applying for other JC's around the area, what else should I do? I looked into other accredited schools but they are super expensive, I'm a student, I'm poor! Please, if anyone out there has any advice on my poor pathetic student life, I would love to hear it.
  • I finished a nursing program, as this is where my passion lays. However, I encourage everyone to look into a better field. Nursing has no shortage and there are literally NO jobs. I am in NYC and know BSN nurses who have been out of work for almost a year. When you DO find a job, 9 times out of 10, it will be abusive. Nurses have to deal with an incredible amount of stress, harassment, bullying, and degradation. This is coming straight from the nurses mouth. If you have any level of self-respect, you will absolutely regret your decision to go into nursing. The suffering is tremendous and most nurses have conditioned themselves to accept the abuse. They are in flat out denial and will viciously defend their career. I am humble enough to say that I LOVE helping my patients, don't mind the dirty work, but I actually have a self esteem and realize that, in this field, human beings are treated well below their worth and it's not natural, nor healthy. Here are a few fields that I have personally researched and very few people are aware of them. They are currently stable and will BOOM incredibly in the next few years as we have about 60,000,000 baby boomers retiring: - Occupational Therapy Assistant...go for your COTA (Certified Occupational Therapy Assistant)- average salary $50,000-$65,000/year to start. -Physical Therapy Assistant- average salary $40,000-55,000/year...but they are needed a little more than COTAs because most people do not want to go to school for PTA. It's a little more difficult of a program and you usually don't go back for your Bachelors. You would make this your career. It has a HIGH rate of job satisfaction, though. -Health Information Technologies- $50,000-$100,000/year (depending on how large your facility is and what state it's in). Ask yourself, HOW many people do you know that specialize in this? That's right, probably NONE. Why? It's a newer major that was created as health care expands/grows and systems are being updated. Being a computer major will not be enough. Hospitals and Health Care institutions have elaborate billing/coding/medical systems that are updated CONSTANTLY and they need someone who has the specific knowledge to handle them. -Health Care Administration- $40,000-$85,000/year. This is the person that RUNS the show, per se. They have a vast knowledge of codes, laws, policies, and some payroll and human resource experience. They are the go-to people when there are questions to be asked...they are the jack of all trades. Desk job= LESS harassment, stress, bullying. But don't be fooled, you will have to put in effort and actually know your stuff...very rewarding once you do. -Diagnostic Sonographer- $35,000-$75,000 This person is trained to look for cancerous masses, cysts, etc. Very rewarding career, works alongside doctor and saves that doctor a DRASTIC amount of money. I'm just saying..keep your options open.You don't have to go into Health Care..you can do whatever you want! :) Have a great day and feel free to message me if you would like!
  • Im a 17 year old male in california im in my junior year in highschool which will be over in a week my grades are not good i will improve because the work is easy but my anxiety that i have overcame stopped me from attending school regularly .i will turn 18 during my senior year how can i continue going to school when i get kicked out and there is no room for negotiating with my parents to let me stay longer ..how can i make money or find somewhere to stay plz help thank you my bdays on february 4th
  • you can read books about what u want to be, get a job at a local restaurant or store then if you dont really have any money, once u know your goning to keep your job and your at a high paying rate, take out a loan but be sure to save your money to pay it off later
  • Have them fill out a quit claim deed and file it with the county recorder. Simple, cheap, and does what you want done.
  • Yes, but remember, your parents are still ultimately responsible for the loan since your name is not on the mortgage, so if you do a quickclaim, make sure your parents understand this. Then, be sure to stay current on payments so you don't kill your parent's credit rating. In the future, when your credit rating is good and your income is solid, go to the lender with proof that you have been making the payments, and refinance the loan to take your parents off the radar screen. Good luck and best wishes.
  • You can still get need based financial aid. In California, for example, you would qualify for the CalGrant, Pell Grant (federal so available in other states as well), work study (where the school hires you to work on campus and you use the money toward school), and loans. Grants are amazing because they are essentially free money. Most college students will also need loans which are good too because the interest rates aren’t bad but you will have to start paying the money back 6 months after you graduate. However, I believe most programs require you to be in good academic standing (C or higher). When you get your grades back up you should also consider contacting the issuer of your scholarship. If you are able to show that you are serious about your education and have changed they may reinstate you. Good Luck and I hope this helped.
  • A lot depends on the state. My understanding is in California and some other states, they can't come after other assets. It's the home and that's it. Your credit rating takes a big hit and don't expect to be loaned any money for a long time. 10 years or so.
  • As far as I can detemine, TN is a "deficiency judgment permitted" state. If you have assets or are working, the lender MAY pursue a court order to garnish or levy. the lender is probably not interested in your personal possessions, nor your car unless you have a lot of equity in it. at a minimum, expect them to 1099 you for the forgiven debt and you will have to pay tax on same. they wont do anything else if you convince them nothing else may be had.
  • It depends on the loan. If this is the original loan to buy the house, it may be non-recourse. Meaning you effectly sell the house back to the bank for what you owe. If this is a second mortgage or a refi, chances are it's recourse and they can sue you for the difference.
  • I'm graduating this May with a A.S.S in PC Support/Networking. But I'm thinking about going into high-school teaching. Maybe something in technology or history. I've heard there is a program out there that pays for your college loans for a teacher if you work at a low income school for 5 years? If this is true can someone tell me more about it? This would help decide if I wanted to become a teacher, because I don't think I can pay for it all nor want to with the low salary that teachers get paid.
  • teach for america has a 15 percent acceptance rate - so it is not an option for most. There are no federal programs, but some states do have such programs for hard to staff urban schools. In California, we have the APL... You would need to get your credential - find a qualifying school, work there for 5 years and then you would qualify for some sort of loan forgiveness. I dont honestly see it as a decision-maker for the career you plan to have for the rest of your life. btw - 50 percent of new teachers quit within the first 5 years - if this happens to you - you'd be stuck for your own schooling.... (sounds like its currently *not* a calling to you)
  • it's true. teach for america is one program.
  • when i had a perfect credit score. I lost my job a year ago and my credit cards account have all been sent to collections and i only have a minimum wage part time job. i tried working with the creditors but the monthly payments they requested were ridiculous. im barley making payments on car insurance and other bills. im ready to claim chapter 7. my question is this..how will my mom /will she be affected by this? will the rate go up or will the creditors have the right to our property and what not? i was the co-signer and we live in california
  • you just get out of liability for the mortgage no afect on her or the note
  • If you file and include the mortgage, it has no effect on your mother whatsoever. Don't feel that you failed because of what happened to you. We make mistakes all the time and sometimes it works out and sometimes it doesn't. Just believe in yourself.
  • Hi! I'm a junior in High school & it's time I start thinking about my career choice & what I want to do with my life. I really like to write, create, & I'm on my school's yearbook committee. I want to go to college probably for journalism or for like film or something. I know what I want. But I also want to go to an out- of-state college. I'm from Louisiana & I would like to go to college in California for many reasons (don't think in crazy lol) but I just want to know about how expensive will that be & is there any possible way that I can get a scholarship to a college out there? & do they give student loans there & stuff like that? I'm trying to figure out where to start, I can't just run off to California without a plan lol. Thank you! (:
  • I do not think that out-of-state students have any opportunities are entitled to scholarships. They may offer loans because that is from the U.S. Department of Education, not from the state where you want to attend. Out-of-state students are charged at least double what in-state students are charged for tuition. The tuition rate for in-state students varies from about $6,000 to $50,000 depending on whether one attends a state college, a state university, or a private university. May I suggest that one choose the best college in Louisiana. The University of New Orleans would be one suggestion. Good luck.
  • I want to apply for a school in America I'm live in Taiwan now but I'm an American citizen I"ve lived in Ohio and Seattle before but I know nothing about neither place's tuition In which place can I rent a cheaper house? in which place is the tuition cheaper? I've heard that Ohio is a nearly deserted place, if I graduate from there can I find a good job opportunity? I know nothing about applying for a college in America And can I apply for a student loan? How can I get to pay at a resident price? My English is quite poor and I'm filled with questions><
  • Ohio is definitely cheaper than Seattle, or other places for that matter. Ohio is by no means deserted. Without knowing what you're going to school for, would recommend the following colleges in Ohio based upon acceptance rates, quality of school and cost to attend: Ohio University Miami of Ohio University of Akron Bowling Green University Ohio State is a great school but it's acceptance rate is low with many applicants. Good luck!
  • Cost of living is more expensive in coastal US cities. Smaller towns will be cheaper to live in, while metro areas cost more for everything.
  • If they have your Social security number they can report you to collections which will stay on your credit report for up to 7 years making it difficult for you to get student loans, auto loans, credit cards or a mortgage. The bank will also likely report you to chexsystems which is an national interbank reporting tool. This will make it difficult for you to open a bank account at most institutions. This stays on your record for 5 to 7 years, however after 3 or 4 you'll probably be able to get an account with most banks. So the longest it will hurt you is 7 years, but you'll probably be fine after 4. In any case if you look hard enough you'll probably find a bank that's willing to give you an account or a loan. The loan rates will be higher than you'd otherwise pay though.
  • If the bank has your social security number, they will put it on the bad risk list that circulated around the other banks. Then you will be rejected in the future when applying for accounts. This has happened to my son-in-law and it lasted for a while. He couldn't cash checks or open any checking or savings. If this is worth it to you then play that game.
  • A great job and way for Teens to make money is by doing Free Surveys Online. Its simple, easy and for ages 13 and up. check this blog for more info and Proof of Payments http://Job4Teens.blogspot.com
  • i think it will affect both of you... i dont know..
  • I work at a different big bank. Our refinances are taking 120 days right now because there are so many of them. We hire more people, but it takes time to train them, even if they're experienced loan processors. If you have a broker, he doesn't work for Wells Fargo. He works for a brokerage. He got your loan through Wells Fargo, but he doesn't work there. You're not getting the run around. A small lender may be able to do it faster, but this it typical for the current environment. My own refi took from April 8 to July 31. The great rate I got was worth the wait.
  • First problem, you went to wells fargo... anyway, a Refinance should only take 2 weeks, 3 at the most. Were there any issue with your equity? it really does not make sense why it will take so long. are you getting a conventional refi with cash out or ?? Anyway, when I do a refinance the very most it takes is 3 weeks...
  • I don't know if the US government does that. All the first time homebuyer's programs I've ever seen were state, county or city. I received a California state first time homebuyer's program that gave me a below market rate fixed loan, plus some downpayment assistance. My mortgage broker found it for me. I had gone in there with info about a city sponsored one, but it had gone through it's funding for that year already, and she found the state program instead. And that's what I recommend you do. Go talk to a mortgage broker and tell him/her you want them to look into first time homebuyer programs when they are searching for your financing.
  • Try for a no money down loan...... I don't know of a US gov. plan, but your local gov. may have one. http://www.preferredprogram.org/
  • home? The 1st mortgage is current I owe them $250k. The property value is only $215k. The 2nd lienholder are "private investors"; and they have sent me a trustee sale notice which has no opening bid. I matched the recorders office instrument # and it belongs to another property which is not even my property! to me it seems like they are faking the notice of trustee sale becuase it is not recorded? I have been getting advice out there and Ive been told I can file a bankrupty ch13. What to do ? help? Can they foreclose even though my 1st mortgage is being payed current ? and plus there is no equity? ps I stopped paying because I couldt afford to pay these private investors anymore an interest rate of 13%. also the property is in California, LA county
  • If the debt is properly secured against your home, then they can foreclose IF and only if they pay off the 1st mortgage when they do so. Nobody is going to pay off the $250,000 mortgage to take a $215,000 house. They are better off holding the debt and letting the 13% interest accrue so they can sue you for it later. So no, they won't foreclose, although they technically could. If you had tons of equity, you might have a reason to be worried. For example if you only owed $100,000 on the 1st mortgage, the investors might find a way to come up with the $100k to pay off your first mortgage so they could foreclose and take your equity.
  • Yes, the second can foreclose. In fact, ANY lienholder may foreclose, whether its a mechanics lien, or a judgment lien, or a HOA assessment lien, etc. However, in your case, the second would be foolish to foreclose. Their foreclosure would not extinguish the 1st mortgage. So, nobody at the trustee sale would buy, because they would be buying a property that is encumbered with a $250K debt. The holders of the second mortgage, if they indeed foreclose, will, after all the time and expense of a foreclosure, will end up owning a property worth $215K and encumbered with a $250K debt. However, that second mortgage is not going to go away. Eventually, yo will pay down your first mortage, or else your home will go up enough in value, to the point where the second lienholder WILL find it advantageous to foreclose. At that point, when you receive the default notice, you will be required to pay ALL of the arrears due to the second lienholder if you want to avoid the foreclosure. At this point, your best bet may be to stop paying both the first and second. See an attorney to learn the ramifications of such a plan.
  • No they cannot foreclose but they can and will put a lien on your property. Your 1st Mortgage holder will not like that and could call your loan. Meaning you would have to pay in full immediately. You need to read your loan papers from the 1st mortgage company.
  • My best advise to you is see an Attorney that is a Bankruptcy specialist they will direct you gladly.
  • Depends on the interest rate they are going to charge you. It also depends on how much whatever job you get pays you (and also on how much of that income you choose to put towards paying off your loan). The answer could be anywhere from 10 to 25 years. $150,000 is a substantial amount of money. You'll likely end up paying more in interest than on principal for many years.
  • It is no longer a government by, for and of the people. We sold out our intended form of government (Republic) for a social democracy. We became complacent and lazy in our responsibilities. We gave the government the responsibility for our every need and now are surprised they can not make good? Rights come with responsibility and when those are given up so are your rights. If the citizens understood that in our Constitutional Republic, Congress does not have the authority to take from some to give to others. Whether it be in the form of bail outs or taxes! The banks have not refused to loan, they did not have the money to loan, they are broke. It's as ridiculous as running up your credit cards when your unemployed. The real culprits in this is the Federal Reserve, they kept interest rates too low for nearly a decade. Of course it created a recession in the economy. Like all excess that come to an end, there has to be a recession. What makes you think that other government are any better off than we are? The UK is closer to bankruptcy and they invented the sub-prime loan. Germany has had double digit unemployment for a decade now, their economies are just tiny compared to the USA. California alone has the 4th largest economy in the world. Next will be hyperinflation, because so many voted for a man who believes that only government can "fix" things. His Congress doubled our debt in less than 3 months, it took Bush's Congress 6 years to do that. We will keep getting the same results if we keep electing the same people from the same two parties. It's time to have a "do-over" and kick them ALL out!
  • It actually works pretty decently. Not great, but not as bad as it seems. The government is currently offering $787 billion in bailout money, but only about half is actually being requested for use. On top of that, these companies that are handing out bonuses are actually only handing out about 1% of the bailout money to do so. It sounds bad because you hear "millions of dollars in bonuses." But 1 million is only 1% of 1 billion. That means that for the bonuses to reach 1% of the total bailout money available, all bonuses together would have to add up to $787 million. Right now, they've added up to about $300 million. Not even half of 1% of the total stimulus bill. The auto companies are a bit more problematic. But the auto industry has been one of the cornerstones of our economy for years, only the banking industry being more of a cornerstone. Pretty much every job available in America rests on these two industries plus retail sales. Now we should leave the Iraq War. We have the right to defend ourselves, but that war has been proven not to be defensive. It's cost is also exorbitant. The estimated cost of the Iraq War at the time Bush left office was $1 trillion for war operations alone. If you include the rebuilding costs and the interest as well, it was $3 trillion. We can't afford that. But Obama has to do it safely. Just up and leave and it could end with many more dead, both Iraqi and American. I want to leave tomorrow, but that is dangerous. Obama is doing it right. And we do have a legitimate reason to be in Afghanistan. It is still believed that Osama bin Laden is quite alive. We have hampered his efforts greatly by chasing him around; but it would be even better if we caught him. If we back off now, he gets us off his back and can refocus on attacking us again. Our government is not as bad off as it seems. It wasn't even so under Bush. This mess we are in was not created solely by the government, though I recognize they had a huge hand in it. But our government is mostly slowed down by bureaucracy. But the only way to get rid of that bureaucracy is to get rid of the infighting, and that means getting rid of the checks and balances that keep us out of dictatorship. I'd rather have the bureaucracy. All that fighting is each side and each branch of the government trying to get what it wants done the way it wants it done. But if we let them have the power to do so by removing their opponents, it will get rid of the red tape but also the protections from dicatatorship.
  • We keep electing idiot politicians. No matter what their party. Look at these people you see on tv. Why do people think they are so smart? Why do they think they have all the answers? They are hacks and many of them have never held a real job in the real world their whole life.
  • government has no longer something to do with the well being care device. The well being care device is its very own beast inspired by employing coverage companies and and medician industries. i assume in case you needed greater government, you may could desire to spend a hell of so plenty greater taxes as in a minimum of 0.5 your paycheck each and each month like western Europe.
  • The politicians that keep being voted back into office (Ted Kennedy,Joe Leiberman,Nancy Pelosi,Diana Feinstein,basically,anyone who has served more than 2 terms in congress.
  • It sucks so badly because you compare it to a Utopian Society of course it falls short of such an outlandish concept
  • Yeah, lets get out of the war and just let the terrorists massacre us! yeah, lets keep borrowing trllions of dollars for the stimulus! Yeah, keep putting us kids trillions of dollars in debt! Yeah, lets keep taking money from the middle clas and giving it to drug addicts on welfare! How will obama screw us over next? Put down the pot.
  • We simply get the government we deserve. QUICK: Name your State representative, name your counsel-person, name all the elected officials that represent you in any capacity.
  • Because they are all arrogant and no longer For The People!
  • Because we want the Govt to do everything for us and they will. But oh my god the price we will pay.
  • No school gives up subsidized government funding willingly, trust me. Don't let them fool you!! Most schools get this privilege yanked because too many of their students take out student loans and then don't or can't repay them. It is called a schools "default rate" and it is tracked very closely. Schools who have too high of a default rate are no longer eligible to receive federal funds. There are a number of other reasons why a school would not be able to accept federal financial aid, but this is the most common. All of the others are not in your favor either. If you are considering attending a school that does not accept federal funds you need to RUN, not walk to a better school.
  • North Dakota South Dakota Nebraska Wyoming We never made the stupid housing loans and we are Energy/Ag based economies with low tax rates. So things have been relatively clam out here. Old Guy
  • New Jersey WAS doing well until Chris Christie! He cut funding out of education! He fired teachers, policemen, firefighters!! IT SNOWED CATS AND DOGS JUST 2 DAYS AGO, and the roads are still not plowed! Someone impeach this man.
  • they are all doing poorly...we're in a great recession
  • I live in San diego and have pre approved by Wells Fargo. However, since the occupancy percentage on the property is low, I have to ask some help from a mortgage broker. He got me a loan, but I think the fees is a bit high. $400 Appraisal fee, $ 15.75 Credit Report $595 Processing fee $975 underwriting fee. $500 Escrow fee. $125 Notary Fee $1100 Title Insurance $3,540 YSP paid to broker 2% estimated closing cost of $ 5,161.75 All these fees based n Loan amount of $ 225,000 (21% down) and interest rate at 4.8% and 15-year fixed. Are the above fees little bit too much or reasonable? Give me your advice and suggestion. Is it gonna be same or better contact other banks as most of the won't approve low occupancy condos ? Will the fee equally the same ? Real estate agent recomended me this mortgage broker. Thanks
  • just make a phone call to the bank and ask. it took me one phone call, and they told me the fees up front. it is much lower. y are u paying a broker? the seller should pay the broker.
  • If you have the time, a second broker might get you a better deal. I Goggled "Junk fees" and I think I see some of your "fees" on the list, so a "pointed" discussion with your current broker may be in order.
  • Go to your local Wachovia bank and talk to them. I have never paid more than a point for brokering. Wells Fargo and Wachovia are one and the same.
  • Even college in general, but mainly on UC Riverside... I heard that it gets pretty cold in winter and really hot in the summer. But other than location, how are the classes, professors, and other students like? What would be the average class size? Class difficulty? What kind of activities are there to do? How are the dorms? And does the campus look nice overall and not all ghetto looking. I've heard that the campus is really nice. And just one more question, if I do decide to go there, how does all the orientation, class registration, moving into dorms all go? Like is there orientation, then do I move into the dorms? When am I suppose to register for the classes, and is there some one I can talk to that can help me with class registration? I'll be a freshman this fall (obviously) and I'll be majoring in Biological Sciences if thats important.. Thanks!
  • dont no if this helps School University of California--Riverside Public/Private Public Founded 1954 Religious Affiliation N/A Total Undergraduates 14,792 Location City/State Riverside, CA Setting urban Distance from home (miles) N/A Academics Student-to-faculty ratio 18/1 Full-time faculty 690 Classes with under 20 students 37% Classes with 50+ students 22% Graduation rate* 70% Cost Private tuition and fees N/A Public in-state tuition and fees $7,355 Public out-of-state tuition and fees $26,975 Room/Board $10,800 Financial Aid** Students receiving: Need-based grants 55% Need-based self-help aid 47% Percent of need that was met 83% Average financial aid package $13,933 Average need-based grant $10,678 Average need-based loan $5,209 Admissions Selectivity more selective Acceptance rate 83% Number of applicants 19,982 Average high school GPA 3.4 SAT/ACT (25/75 percentile)**** 910-1170 Student Satisfaction Freshman retention rate 86% Alumni giving rate 7% Student Body Diversity*** yes Fraternity members 6% Sorority members 7% Students living off campus 69%
  • i applied for financial aid student loan 6 weeks ago and I am still being told that it could be another 6 weeks. I don't have childcare because I can't pay for it right now. I have been forced to bring my child to school with me some days. I recieved the pell grant but even though i was born and raised in california all of my life I went to dallas for slightly less than a year so when I got back I was to;ld I was no longer a california resident so I had to pay $2,112 for out of state residency fees instead of $370.00 normal fee. I would like to know if there is any other avenues I could go down in order to help pay for school expenses because at this rate I will have to drop out of school.
  • Find out if your state's social service agency (welfare office) can help pay for licensed childacre while you are in school.
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