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State Ohio
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Allowed (Our partner lenders provide payments in Ohio)
Loan amount limit $500
Loan terms Minimum: 31 days
Finance rates 28% annual interest
Finance charges $1.08
Maximum APR (Annual percentage rate) 28%

1259 Log Pond Drive, Newark, OH 43055

Ohio

Newark

1956 Elm Road Northeast, Warren, OH 44483

Ohio

Warren

1200 E Central Avenue, Miamisburg, OH 45342

Ohio

Miamisburg

6516 Dixie Highway, Fairfield, OH 45014

Ohio

Fairfield

3515 Hudson Drive, Stow, OH 44224

Ohio

Stow

5143 Salem Avenue, Dayton, OH 45426

Ohio

Dayton

21177 Euclid Avenue, Euclid, OH 44117

Ohio

Euclid

29 Midway Plaza, Tallmadge, OH 44278

Ohio

Tallmadge

4170 Cleveland Massillon, Barberton, OH 44203

Ohio

Barberton

1270 East 260th Street, Euclid, OH 44132

Ohio

Euclid


Frequently asked questions about bad credit loan in ohio

  • My son got scammed at a Chevy dealer when purchasing a new car on Friday. They told him "the bank won't approve your loan unless you get an extended bumper-to-bumper warranty." They told him he was getting turned down everywhere. They told him the only other bank that approved him wanted 18.9% interest and proof of income. He also signed a document that said "there is no 72-hr cooling off period in Ohio" or something. I read somewhere you could return one in 30 days if you don't make any warranty claims.
  • There IS a 3 day cooling off period in Ohio. If his credit is so bad that he has to pay such high interest rates, he should consider waiting to purchase a vehicle. I would suggest he call the State Attorney General.
  • Nissan prolonged guarantee? can't specify the place you have maintainence completed. you in basic terms choose receipts exhibiting you had the oil exchange and repair preformed. there are various prolonged service (mechanical destroy down coverage companys) confident they take funds and wish you in no way use the coverage. that's extra effective to initiate a motor vehicle monetary company account to place funds into for emergency. Allergen air clear out each year and engine air filters replaced whilst needed are sturdy issues to no longer ignore approximately. Brake fluid coolant changes will improve the existence of brake areas and save corrosion from commencing in the cooling device. reckoning on how lots dirt and dirt you tension in what number short journeys you're taking. you may desire to need extra oil changes and repair artwork. sturdy luck Tanner
  • My county in Ohio (Lake) was recently declared a national disaster zone. I own a condo up there and it's my primary residence. The damage was pretty bad. Water filled the entire basement and leveled off at about 2-3 feet high on the first floor. Well... due to this I just want to get out of this property. I was even trying to sell it before the flood happened. If I were to walk away from this condo and move into an apartment, not making any payments, what can I expect?? I have no flood insurance and am waiting to see how much FEMA is going to give for repairs. I have no assests and I pretty much live on a check to check basis. The way I look at it I'm F'd as it is, even if I repair the condo the area surrounding it is complete crap anyways and will most likely not be fixed up anytime soon. Also who knows how many other condo's aren't going to fix there own, and based on that I have to worry about mold. This seems like my only option any help would be appreciated!!!! Thanks!
  • Do you have any equity at all in it? B/c if you do, keep paying. If not, your bank will end of forclosing and selling it at an auction. If it sells for less than the loan you had on it, I think you may still be liable for that amount. And it will also ruin your credit as well. FEMA takes forever to do anything.
  • When you don’t have money to get the care you need: http://www.nlm.nih.gov/medlineplus/finan...http://ask.hrsa.gov/pc/http://www.omhrc.gov/templates/browse.as...http://www.hrsa.gov/help/default.htm http://www.thefrugallife.com/medicalalternative.html http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N This is about FREE hospitalization, if you need it and they WILL help you! http://www.hrsa.gov/hillburton/default.htm Hill Burton Hotline 1-800-638-0742 (1-800-492-0359 in Maryland) In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility’s area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care. How to apply for Medicaid or medicare http://www.cms.hhs.gov/MedicaidEligibility/ http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html http://www.ssa.gov/ Additional Public Benefits for Families Raising Children: · State Children’s Health Insurance Program (SCHIP) · Earned Income Tax Credit (EITC) · TANF-Child Only Grants · Medicaid for Children · Supplemental Security Income for Children http://www.nlm.nih.gov/medlineplus/financialassistance.html DENTAL HELP: Free or low cost dental care United States http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf http://www.raconline.org/info_guides/dental/dentalfaq.php FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC. http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/ Need eyeglasses or eye care? http://www.nei.nih.gov/health/financialaid.asp http://www.uniteforsight.org/freeclinics.php How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices. Here’s a list for every state: http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm Where can I go to get free or reduced-cost prenatal care? You can call this number if you need free birth control help, too! Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy. To find out about the program in your state: · Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code · For information in Spanish, call 1-800-504-7081 · Call or contact your local Health Department.
  • The best thing he can do is to present himself to the hospital and they will tell him what to do. No Dr today will take patients without insurance. Some communities have hospitals that specifically take patients with no insurance so check with your local hospitals. Merely make a call,don't give names etc just call your local hospitals and ask them if they take patients without insurance. If in asking you fail to find one,you might ask one of the hospitals what they would recommend what alternatives you have. In the meanwhile,keep the hand immobile and iced to prevent swelling. Should you notice fingers turning blue or if the fingers start getting cold when you haven't been using the ice,you should just present yourself at an emergency room and go from there.
  • Go to a local hospital emergency room, they cannot refuse to treat him and will X-ray his hand and cast it. They will also probably write him a prescription for pain killers, which will make him more comfortable. He can work out with the hospital a payment plan. A publicly funded hospital cannot, by law, refuse treatment to anyone, no matter what they ability to pay is.
  • Well, try to just go to the nearest Emergency room. I live in NJ and I went to the Emergency room for a sprained hand. Because I don't have insurace, and I dont make much money, I applied for Charity Care through the hospital, and I got it. That means, I'm a charity case, they have to help me for free. Altough you do wait in long lines, and have your own doctor, it's good if you're in a jam like yourself and your brother.
  • How about the emergency room of your local hospital? Or a teaching hospital? Somewhere that can either do a sliding scale, or do hardship application for. Take care.
  • I responded in your other thread as well. I can help you out... Go to http://www.qualitymedicalcare.organd if that site doesn't work then try this one: http://www.mybenefitsplus.com/Team2000There are a ton of providers in Columbus
  • Try a county hospital
  • ER at any hospital funded by federal funds must treat and bill you.
  • It's ACORN, and yes we should all be very concerned not only for this election, but because the mortgage debacle can be traced right back to ACORN AND OTHER COMMUNITY ORGANIZERS FINANCED BY OUR TAX DOLLARS, are we mentally ill, giving those people MORE MONEY!! They ran extortion schemes for years strongarming mortgage companies into giving loans thru the Community Reinvestment Act, whether the person was credit worthy or had the means to repay the loan was irrelevant as long as they were minority and poor. In Fact Obama helped them sue Citibank: Robyson v Citibank http://www.amazon.com/tag/politics/forum...http://iusbvision.wordpress.com/2008/09/...
  • Please, everyone knows the Republicans cheat when it comes to stealing votes. Its happened in the last 2 elections.
  • So you are so opposed to his election that you are willing to come on here and lie about him?
  • It's not a problem. As long as you are not in collections on it, you should be fine. They do check your credit but they check it to see whether or not you can get a security clearance. Someone with a lot of debt and/or bad credit could possibly (depending on the amounts etc..) still join but be denied a security clearance.
  • Assuming you meet the other requirements, you should be good. 5 grand is a miniscule amount of debt compared to a lot of people, and if its students loans, there should be no problem at all.
  • DO NOT, under any circumstances, contact this "Peter White" by any means. If he is here soliciting in knowing violation of the Terms of Use in this manner he is absolutely certain to be a crook and nothing less. Peter - reported and BYE-BYE scumbag!
  • You can,you will still be resonsable for the loan,but don't let that stop you.
  • Have the people chosen homosexuality and the evils of a handout over working for a living and reading the book of Mormon?
  • yes
  • Go.
  • I live in Akron Ohio. Right now I have $8,300 in my savings account. Problem is I have a student loan bill that is $155 a month, and a credit card bill that is $120 a month. Should I work on getting the credit card paid off.. It's $4,500. Or should I just try to move to NYC and just pay the minimum payments on my bills.. I don't want to wait forever. I'm going to be 30 in July. Your advice? I work 2 jobs at the moment, but in about June i need to start looking for jobs out there.. I would like to have a roommate.
  • Continue saving your money right now as you are doing. But make sure that you pay off your creditors first and foremost, that way you have you a clean slate regarding your credit. It is important when you plan to rent an apartment or share one. Just keep a positive attitude about what you are doing and planning to move here to NYC. If you plan to look for a roommate or employment, do not use Craigslist. It has been reported for scams. Below is a link to finding roommates in NYC http://www.newyork.spareroom.com/http://www.easyroommate.com/new-york/new...http://www.easyroommate.com/Female-Roomm...
  • it rather is an excellent flow and a remarkable i could say it may be complicated until you restoration your credit otherwise it may pose a difficulty,being woman is not any difficulty basically be alert once you're jogging on my own,permit your boyfriend introduce to his pals and family it rather is a sturdy start up you purchased him so which you at the instant are not on my own :) new yorkers are heat loving human beings so which you're making pals suitable away in any respect ... so remarkable to appreciate you purchased a puppy dogs ohhh it rather is remarkable your puppy could be great organization if this is right here with u too , have relaxing take excitement in long island and better of success you have made a smart decision of shifting to NYC it rather is a blast residing right here i like it :)
  • Stay in Akron and pay off your bill. NYC is a dump! Who in their right mind would want to live in a city where rats outnumber people. Not to mention how rude New Yorkers are!
  • I see you didn't like the advice I gave you yesterday.
  • Definetly go to a mortgage company before going to a bank. Banks are more nit picky on credit reports.
  • First question is do you have enough cash to come up with at least a 3.5% downpayment? If yes then you can most likely go FHA (easier on credit scores, and medical is overlooked more than other things) Next can you come up with money for appraisal fees, inspections, insurance for a year? If yes you are still eligible if not stop right there, closing costs up to 6% can be paid by the seller but the before mentioned costs cannot.
  • Find a lender that does FHA loans. If your credit is acceptable excpet for the medial bills/collections, FHA will consider you. realtor.sailor
  • Start with a banker/broker. They will pull credit and see if you qualify. If your credit is an issue they should be able to guide you on what to do to get qualified.
  • loan officer first why waist the time of a realtor if you do not qualify to buy?
  • I'm in search of a motorcycle I could possible either make payments to someone for it or I could take over their payments. I prefer it to be a Kawasaki Ninja 250 or 500. I was at the store to get one through a loan brand new for $2,500 but due to the fact I have "no credit" they didn't want to loan me the money. Sad to say but I probably would have had a better chance if I had "bad credit" eh, lol. Any advice that could help me out would be great as well. Thanks. :)
  • Hello...I am in NE Ohio and have a 1985 ZX600R Kawasaki that I would let go cheap...maybe...700.00. It runs but needs a little work. The tank is dented...the carbs need rebuilt...other than that though it's a solid bike.
  • Go for the ninja if all possible. They're a lot more reliable and i think they sound more robust than other bikes. Sorry, i can't help you on finding one though, the only info i have is to look on craigsist.com. This website has a load of good deals. Good luck on finding the bike dude.
  • you are a dreamz, a new ninja 250 is $3600,. plus tax, and dealer charge, you will walk out paying $4100 buy a used ninja 250 for close to 2000
  • ai have one KLR600 for sale U$750
  • look at craigslist...thats where I got my bike......1988 honda interceptor 250cc. I got for 650$.
  • try a bike shop, they tend to sell 'em and do credit.
  • We live in Ohio. My divorce was finalized in November 2007. My ex-husband and I have a house deed in both our names but the loan is just in my name because he had a bad credit. I have been paying the mortgage all along. The divorce decree says I get the house, that he doesn't have any claim on it and that my ex-husband has to sign a quit claim to remove his name from the deed. He’s not done this yet so I am in the process of asking my divorce lawyer to work on it with his lawyer. He has remarried in July 2008. My questions would be the following: 1. Would it matter if he has remarried in July 2008? 2. Can he opt not to sign a quit claim even though he is required by our divorce decree? 3. What is the consequence to him if he doesn’t abide by the divorce decree? Thank you.
  • What og said: 1 no 2 no 3 "contempt of court" - BUT that doesn't mean jack if you don't follow through and officially file a motion against him for it. Lawyers can be lazy too; make sure yours files the CoC claim. Faced with jail time, I'm sure he'll sign the quit claim.
  • His remarriage is irrelevant. If he should opt not to complete and sign the quit claim deed, he can (if you pursue it) be held in contempt for failing to abide by the terms of the decree. The consequences vary from judge to judge, but he could be fined, jailed, etc.,..whatever the court decides. This just happened to a gf of mine. He ex-husband was found to be in contempt and was forced to comply with the original divorce decree and had to pay her BIG BUCKS!
  • Doesn't matter if he has remarried. A quit claim is just a way of him giving up any claim that he might have on the property. He has been ordered by a judge to sign the quit claim. If he refuses to do so, you can file a motion to hold him in contempt of court. He will be ordered to appear and explain why he hasn't done it. Then the court will likely demand he sign it right there in open court and could, if he wants, hold him in contempt, fine him, order him to pay your attorneys' fees incurred by having to file the motion, and/or throw his butt in jail. Contact your lawyer to start the proceedings.
  • Easiest and fastest way, take a copy of the decree to the county Registrar of deeds. The decree will act as the instrument for the quit claim deed to be processed.
  • I would consult your family law lawyer, who handled the divorce, while you can go back into court to force the other party to perform, remember the family law court only has jurisdiction over the 2 parties, they have no say over the credit card bill, In general Liens/ collections are state specific, not sure the recourse, if the credit card is legally due and owing, the other person IS still legally on the title to the home, then that person interest in the home maybe subject to collections, depending on your state laws But you need a lawyer; you need to go back into court to force the party to sign over their interest in the property before more entities try to collect on that person interest in the property
  • 1) No . 2) Yes, clearly he already has. 3) Contempt of court.
  • no . no. contempt of court.
  • I'm in process to change my job. I've 20K in my 401K account. I heard that I can rollover 401K to my IRA account and then withdraw $10K for the house payment to avoid 10% penalty. I already bought my first house 18 months ago. My second question is if I have to pay the penalty fee is it advisable to borrow money from 401K now. My new job salary is ~20K higher than my last job. I'm 29 years old and live in ohio.
  • Don't get in the habit of borrowing from your retirement...regardless of penalties. It also is very expensive. If your IRA/401k has been invested in the stock market this year, removing it from the market would cost you the 20% return that you could have made. That's as bad or worse than a credit card. Think about it. Mortgages are good loans because they are much lower interest rates and are tax deductable...but don't get too deep in debt. Live within your means.
  • no, the 10% penalty is avoided with an IRA but not 18 months after you buy the house and it wouldn't be for the payments but for the purchase fees (closing costs). If you're bound and determined to get money out of your 401k then check with your new employer to see if loans are allowed from their 401k. If so, roll your old 401k to your new employer and take a loan from it there. But know this...it will cost you in your retirement and if you lose your job or change your job it may make that a taxable distribution and you're hit with the 10% penalty anyways.
  • if you borrow now and then change jobs, you would have to pay the loan back in full or it would be considered a distribution and you'd have to pay tax and penalty. I've never heard of the 10k withdrawal thing being penalty free - talk to a CPA about that one
  • For a Roth a minimum of...you're lacking 2 extensive factors: a million) The Roth could be opened for a minimum of 5 years formerly you need to use that exception, and a pair of) you're constrained to basically $10,000 in income (contributions can continuously be taken out tax loose) which you will take out. great element under....that rollover would be taxed as familiar earnings in case you bypass to a Roth!! shop that in the process techniques too!!
  • I graduated fron high school in 2008 and I went off to college for a year. However, things didn't exactly work out there and I was going to go to community college until I could transfer back to a university. Then, I found out that they didn't have the classes I needed. (I was a criminal justice major, but now I want to be a psychology major.) Then, I lost some jobs I had and my mom was retired so we didn't have the money for college anyway. I already have loans I need to pay back and I know all about grants, but I still need money. So, I come to job corps and they tell me I can go to college. But everything they tell me contradicts itself so now they're saying I have to complete my trade (which is Culinary Arts and I'm already about half done, it never hurts to have another skill to add to my resume, I guess) and score high on a test that's kinda of like the SATs or the ACTs. They put me in a bs math class and keep changing my shedule around and I should be farther along! I talked to my counselor, not only about that, but also about driver's ed...it takes them forever to do anything around here. I'm having fun and I'm making friends and making the best of of it here, like I do whereever I am, but job corps sucks and no matter how optimistic I am, I can't deny it. The food is often bad, the people are ghetto (well, some of them are, but not the people I hang out with obviously). They give you bs rules and I'm 20, not 14! The staff treats you like "adults" but then they turn around and talks to you like you're a child. There's little privacy. It's not like a college dorm, I know that. I complained at a town hall meeting, that's how bad things are here. How can I keep from going crazy. I already have a bad temper, plus it's my time of the month and people keep trying me. People expect me to be perfect all the time and I'm not!
  • I am Barbara Wards from Ohio here in USA, I am a single mother of three kids, when I was in search of loan I search via google then this email and that is where I got my loan from without credit check and the interest rate is just 4% this is the email abuabdullahloanfirm@yahoo.com
  • Hi, online surveys are the easiest and fastest way to start making money from home.You can start today and to work only when you want. Enter http://AdvancedSurveys.info I'm sure this will help
  • i'm in southwest ohio, need a new roof / wall / flooring where a bad leak is in my kitchen . . . the estimate to fix it is 2975.00 which all considered is not bad, but i can't afford that up front - does anyone know of any scholarship or home assistance programs that could help?? i do work, i'm in school, but i don't have kids and i just had my first bko discharged a couple of months ago, so i'm not able to get a credit card or a loan to spread out my payments . . . any suggestions would be great. thanks!!
  • Save up to get what you need - start with the roof first. Second do the flooring, for safety reasons. The ceilings and walls are actually cosmetic, so let it wait.
  • If you belong to a church see if there are any companies, individuals that would be willing to donate materials and labor to help you through this and I would recommend that you would agree if they help you make this happen you would also when you can make restitution to the church so they can help others. Might be worth a try.
  • Have the roof repaired and let the rest wait.
  • if you own your own home you can get a personal loan to do the job. because they put a lean on your home ,and they get there monley if you sale before you get your.
  • Ok my state id is out of date, so i want to get a new one, I have a warrent out for me in columbus ohio (where im from) its a dog warrent. and another one in sito county for bad checks, all of them are mistmeters. I herd that if you have a warrent when you get a new id you will go to jail PLEASE tell me the truth there are so many liers.
  • No sure what a Dog Warrant is, however I know a bad check is a criminal offense - this can follow you the rest of your life. Yes you could possibly go to jail if you get prosecuted. I'm not trying to scare you, but it would be in your best interest to resolve this issue sooner rather than later. Having a bad check on your record can cause many problems for you, in some cases this will cause you to not get a job. As a previous employer - I did do financial backgrounds checks on my potential employees. This can also effect car loans, house loans, credit cards...etc. Listen, my only advice to you, is come clean with whoever you wrote that check to, if there are many, then you might need an attorney to help you. If you forego the attorney, then go to the courthouse and talk to someone there in the fraud department. You'll be able to resolve this quicker if you go to the courthouse and a plea of Guilty or Nolo contendere will allow you to pay restitution and fines. Once this is behind you - you'll wonder why you didn't do this sooner. My best to you.
  • No they won't arrest you. You have to go to the Secretary of State to get I.D's and Driver's License. They do not check for warrants and such things because they do not have the database to check such info. However, it would be in your best interest to turn yourself in as soon as possible. Especially since you say they're only misdemeanors. You don't want to be on the run and be considered a run risk. That could make you ineligible to post an I-bond in the future. If you are caught your bail may be really high and you will have to sit in jail until you see the judge.
  • How about you go deal with your warrents and stop running from them. They will catch up with you in the long run. It is better to deal with it now instead of later. It isn't like they will delete them from the computer system. You'll be caught one day. You played, it's time to pay.
  • misdemeanor properly spelled is most likely no big deal, however, you will need an attorney, I don't know what a dog war rent is, however have your attorney contact the court talk to the presiding prosecuter of that magistrate, beg for forgiveness and pay your fines or off the record move far away take a residency in another state, most states won't extradite on misdemeanors.
  • I think that worrying about getting picked up should not be something that should be your first thought, but rather taking care of your citations should be first. Why not take care of everything so you are free from charges? It is the right thing to do, don't ya think? Financially you can make payments, it is a start and it will help your credit rating with the police and DMV as well.
  • i dont understand what the reason of your warrants are, but you should go to court and tell them there is a warrant after you then you might not have to go to jail, b./c if they get u now, they will keep u in jail until you are to appear before a judge. so I thikn you should go to court and tell them there is a warrant in which case the warrant will be removed ok? im not really sure what you have done for their to be one against you, but i think thats the best thing you can do.. again depending on what you do, will depend on whether or not you do jail time, but if you go to court you will save yourself the embarrasement of being arrested in public and taken to jail and the judge will take consideration that you have come in voluntarily...
  • That depends on whether the warrants are extraditable. That means, whether the state the warrants are out of will send a Sheriff to come get you and escort you back to the state to answer for your crimes. If they will not extradite you basically will get held up any time you get your name run by a Police Officer.
  • It may be in your best interest to just go through whatever you need to and take responsibility for your actions. How will you ever be able to clean up your act if you are hiding all of the time? Don't you ever want to rest peaceful at night? Just turn yourself in before it gets worse.
  • It sounds right to me. Using a false identity is a crime. Why don't you just come clean and turn yourself in. The Judge will go ALOT easier on you. Explain your situation and start living right. If you put it off and keep adding problems, you'll face felony charges.
  • pretty girl is right these are to different departments, tehy dont utilize each other to handle these things, you will be able to get your ID taken care of, if you want to feel bette, just bring a bailbondsmen w/ you --- I think you can fill out the application and get pre-approved like capital one:)
  • We only wanted to live in this condo (Wisconsin) for one year when we got it in January 2006. We try selling it in Febuary 2007, but no body wanted it, and was on the market for 4 month. We took it off the market. Now, we're in debt over our ears, and the condo is at the same value as when we purchased it. We were told by our ReMax agency that we (out of our own pockets) needed at least $5,881.00 at closing even if we had a buyer..We need to go to Ohio now. Also, the ARM is going into effect in Febuary 2008 at a rate of over $200.00. We're going to bail or abandoned this condo January 1st 2008. We will phone the mortgage company in one week of our plans. We also just signed a lease for an apartment so that we can rebuild or finances for 6 months or so. My question is, do we have to pay January?
  • well if you were going into foreclosure i guess it would not really matter. Keep in mind that defaulting on your home loan is going to seriously affect your credit rating. You might be better off seeing if you can get a renter in there. Even if it is not for the full amount you can atleast catch your breath a little. BTW, buying a property with the intention of only living in it for a year is kind of odd - sounds like you got bad advice. Sorry for your situation and good luck
  • At this point no. You credit is going down the tubes. Life is not going to be easy for you in the future. It will take a real long time to get any kind of decent credit rating. You may want to talk to someone in the field eventually to find out what you can do to get to the positive again. Good Luck!
  • Its better to sell the condo under market than bailing. If you bail and they foreclose on the condo they will sell it for you at way below market value. You will be required to make up the difference. Just sell it and take a 20,000 loss is better than foreclosure and ruin your credit and owe the bank much more.
  • There are people that can help you avoid a foreclosure. I don't know Wisconsin, but I know someone in WI that may be able to help. benebuck8@yahoo.com
  • (COL - Cost of living) I know nothing about this kind of stuff, which is why i'm asking! I want my cousin to move back to Ohio from Virginia. She's got an outrageous pament on a car she hates. She has no problem making the payment in VA because the cost of living is so high. But if she were to move back to OH, she might need 2 jobs to make it (payment & living expenses). Is there anything she can do? Can she turn the car in for a cheaper one? It's an '06 Altima and i think she owes $20k on it, if that helps. I want her to move back so bad, but i don't know what she can do about the stupid car!!!! Please help!
  • It depends on her credit rating. She would have to find a bank (doesn't matter where, but a local bank where she will move too would be more likely to lend). If she has a high rate now, then she probably won't be able to get a much lower rate in the future. Because its a newer car, she probably owes more on it than she could get selling it or turning it in, which creates a problem for her. She could refinance with a longer term loan, but she would end up paying even more over the long run, to save $30-40 a month in payments. WRJ
  • okay, so i just started a new job and my credit is kind of bad since it is still relatively new. I currently own a 1998 VW Passat 1.8t and a lot of problems have been popping up with it and i baby that car. The front wheel bearing is going out, turbo is going out, fuel pump is going out (says i'm on E) plus couple of the rims are bent. Anyways i only paid $2600 for the car and i owe about $900 left on it. I was thinking about getting a 2010 Jeep Wrangler Sahara. I also started a new job and figured if i'm gonna get a new car might as well get a relatively new car. Anyways i live in ohio and the weather recently is TERRIBLE, i haven't been able to start my car because i suspect either fuel line freeze up or fuel pump went out. Should i trade in my car and get the jeep also i know i would need a cosigner but i have NONE.
  • It isn't a question of should you get a new car. The real question is can you afford a new car with a higher payment and will anyone write you a loan.
  • With terrible credit and no co-signer you won't get a loan. And if you still owe $900 on your car, it probably isn't worth that much, which means you are "upside down" and not in a good position to sell or trade. I suggest you fix the VW, keep paying until you are no longer upside down, and save money from your new job so that you can pay cash for your next car.
  • There are loads of buy here pay here dealers out there. No credit no problem. The days of the huge down payment is gone too. I wouldnt buy new maybe 1 or 2 years old. Let someone else take the initial loss
  • I was recently in a severe car accident. My car was totaled. I financed it from superior auto (worst decision I've ever made) 21% interest. but I had no choice. They took advantage of me and never thought twice. The car blue booked at 1,800 and I was charged 9,000. I had the balance paid the car off multiple times pretty much. My balance owed is 1900 now. I only had liability coverage insurance because that was all I could afford at the time And they had never said anything to Me. It is now sitting in an impound and I can't continue to make payments on it with a new car. Can I leave it or what will happen if I do? I live in Ohio for laws I'm not sure what they are. Thank you
  • Like the others have said.You can do whatever you want to,but that doesn't mean you will avoid paying the remainder of your balance,impound fees,auction fees and all sorts of other nasty fees they will slap you with. To save yourself some monies pay the impound.sell the junk to the scrapman if no other takers and pay off your loan. At least that will keep your credit saved.
  • You can do anything you want dude, but your still legally responsible to pay back your car loan no matter what you decide to do. If you let your loan go to "default" you will not get another car loan for a decade or longer.
  • If you leave if you will still the outstanding money due. You will also trash your credit rating to the point that no lender will even consider talking to you in the future.
  • My husband and I lived together for about three years before we got married. He is 25 and I am 23. We have been together since I was 17 and he was 19. I have been with him through 3 lay offs and I had to pretty much support us with the help of his unemployment benefits and my full time job for about 6 months before we got engaged. Then he started working for a temp agency and worked at one place for about six months and then they decided they weren't going to hire him and then he started working at another place and worked there for about 2 and a half years as a temp and then they let him go and he was making about the same as me there and everything was going okay until they let him go. Now he is working at another place making like almost 3$ less an hour than he was and 3$ less an hour than me, It is very hard to make ends meet and sometimes we can barely afford to buy groceries or put gas in his car. We racked up (I) racked up all kinds of credit card debt over the last few years because of his employment situation as well. We are trying to pay these debts back off. Now he has decided that he wants to go to school to become a male nurse and I am fine and dandy with that. Supposedly he is going to start school in August, he isn't a bad guy but has lied to me quite frequently about things like smoking, etc and well I have not seen any proof of this besides the fact that I watched him apply to the school, he says he has applied for a student loan but that was over two or three weeks ago and I have yet to see any proof of that either. We got married in May of 2008 (a little over a year ago) and I have made it totally clear that I want children before I am 25 from the start of our relationship. I want to be able to have the energy to run after my kids and I want to still be slightly "young" when my kids are grown. I have also made it clear that I want to be a stay at home mom from the start and I am getting a little impatient since he is 25 now and I am growing closer to that age. I would like to go back to school as well if this ever happens. ( I quit because he got laid off and I couldn't afford it) My mom and dad also had to relocate to Ohio due to my dad's job. We are planning to move there if he ever really goes to school. I am so tired of waiting and I feel like it is never going to happen. Any of it. I have been waiting years just for him to get a real permanent job and I love him very much but I feel like it is a lost cause sometimes and If he isn't going to do this for real am I better off just moving on and finding someone who can give me what I want?I really don't want to do that and I love my husband very much and we have been though a lot together but I feel as though it is always me giving him all this support and I never get mine.
  • I agree with Jordan- it is defiantly not the right time to bring a child into this. I understand that you want to have children young, but trust me, I have a little baby, and everything becomes about that baby! Your husband is probably feeling very insecure as he is earning less than you and can not keep a job- and maybe becoming a nurse is something he has always wanted and he feels this way he will be able to give you the life he wants. You need to first of all make sure you pay off those credit card debts- I am not sure what financial situation you are in- but you need to limit your spending which I know is hard!!! I think support him with the nursing but rather than asking for proof- ask if you can come along to this and that- so it looks like you are being supportive and it can also put your mind at ease knowing that he is defiantly doing this Just be careful and try and set yourself up now- do not leave him over this, but do try and encourage and be supportive of him. He probably feels very down and emasculated at the moment. I do sort of know how you feel I used to earn very good money, and my husband is doing reasonably well- now I am at home with my lovely daughter so there is just one income coming in and we just bought a house which would be in US dollars a bit under a mil.. so it is going to be very hard to pay off- and does put a strain on your relationship the lack of income- I am forever asking him what he spent this and that on. because I know I need to budget our income- and he finds this hard as he is used to spending what he wants when he wants to spend it..... so I do have empathy for your situation, I guess though at the end of the day you have to try and remember that relationships are more important than money and you can not live beyond your means.. sometimes you need to give things up to get a better life.... All the best
  • Most of the schools I've dealt with don't tend to be all that communicative about student loans until they're actually ready to give you the money, and that doesn't happen until close to the start of the semester. Just something to consider before you call the school up or anything like that. Anyway, I think you need to decide what's more important here: the timeline you created based on an ideal that sounds like it's been mostly screwed up by circumstance (as ideals often are), or making sure you have the groundwork laid so you can bring your hypothetical kids into the best possible situation for them. I'm not saying you have to stay if you're convinced he's not sincere about this career shift or changes his mind again, but even if you decide to start over, there's no guarantee you'll find someone suitable in time to make your childbearing deadline. Besides, you were aware of his spotty employment history when you married him. You should at least try and remind yourself of the qualities that made you think he was worth the risk and see what you can do to bring those out again before you decide that this is a lost cause.
  • As a 46 year old male - maybe I can give you a little insight. First of all there is nothing wrong with what you want. I am however wondering if he is the guy to give it to you. Some men are very, very ambitious. My brother in law got a job at a software company 8 years ago. He now earns more then 6 times as much money as he did when they hired him. Back then my sister had to work to help them pay their bills, now with his take home at more then 15K a month (after tax), she doesn't work and doesn't worry about money. If your husband does not have a career "plan" at this point, then I don't see how the SAHM goal can happen. I think your man has figured out that you are as good/maybe better at making money than he is and I think if you hooked him up to a polygraph machine you would learn that he doesn't believe you will have a viable marriage with you staying at home and him working to support you + kids.
  • Ok, somehow I managed to read that "book" of yours which I usually never read any long "long" questions on here. So anyway, you got screwed here, or did you after all? I mean it's better to have loved and lost than to never have loved at all right? In all actuality 4 years is really not a long time at all. This is something you will realize at some point and time when you get older. You really are better off without this unfaithful gal. It's true and the last thing that you wanna hear right now. Listen, to make a long story short, the sooner you find another woman that you are crazy about and she is crazy about you, you will be able to let your wife go and the hurt will go away as everything else you are feeling about the troublesome time you are going through. Believe me, it will happen. You will date again and find another gal. It just doesn't seem that way right now to you. So wallow around in self pity for awhile but when you finally pick yourself up just let this wife thing go. Let it go and move on with your life and find another woman who will stay with you forever. Your pain and mental and physical sickness will actually go away once you decide that she is not worth a penny and pick youself up and stuff. You will be fine. It just takes time...She seems very happy now so you should find happiness too..and you will .....(smile)
  • You married a man knowing full well that his job situation was sketchy, so why are you complaining about it now? I also got married last may and I know how stressful things can be in a new marriage (especially when it comes to money). You got married for better or for worse so all you can do is support and encourage him with is plans for nursing school. As for the children, sometimes compromises have to be made. You might have to wait a couple extra years.
  • you shud tell him to show u proof of the student loan he applied for.. dont be too harsh while asking this.. if he goes to school for how many years is he planning to study..? plus, isnt it possible for him to work and then also attend school part time, that way u wont b the only person supporting 100% financially.. he shud share the responsibility if he can.. if he has a new career plan charted out and doesnt want to do things to help run the house smoothly, then u shud sit and talk with him.. be cool about it.. if his studies require a couple of months or year then it shud be okay.. if it requires around 2 to 4 years then it is not okay.. since u have some priorities too.. sometimes when it comes to job, it takes a little time and a lot of patience too.. i know its kinda crazy when u want to have a baby and then the husband has some other plans to delay your dream a bit further, but talk it out with him clearly and tell him how it is.. what u want, what he wants and arrive at a mutual decision.
  • I agree with Jordan M, kids are very expensive and you are already frustrated with your current situation. Support your husband in going back to school because it is in the best interest of your family. You may want to suggest an lpn program since they usually last 18 months. You can go back to school too, make your class schedule to accomodate your work. Remember, nothing worth having is easy to get so hang in there and be patient.
  • Let me break this down for you.....First of all you cannot afford children right now, so that should be somewhere on a back burner on a stove way out in the country where the bus don't run. Next, you both have jobs that pay little per hour (entry level management at a bank makes little per hour)....he wants to go back to school to become a nurse to make this financial situation better...what is wrong with that? You should also do that to improve your earning potential. You see, on this board, when wise people talk about finishing college and establishing yourself before getting married, some people scoff at it....but that is exactly what prevents these money problems and feelings of hopelessness. Okay, knee jerk response answerers, I will take my thumbs down. I know common sense is usually frowned upon....
  • You have received nothing but (well except for maybe one) contemptuous and unhelpful answers. These people are either jealous that you are still young OR they want for you to be suffering. There are a lot of people out there in the world that are like this. THIS IS NOT YOUR FAULT. You married this guy, you thought he would be a good husband. You were in love. It will hurt you so much but you have to leave him. Once you have children this man will never change, he could even become one of those career college students from the sounds of it. If he wants to make this work he would have a job. He is a child, and if you want to stay with him, fine, but you are wasting your time AND you can't have kids with this guy. I am married to someone exactly like this and he hasn't changed, and I have a baby and my life is full of regret. I am considering leaving but the idea of being a single mother is very frightening. I have no parents, blah blah blah.
  • It sounds like you are just impatient. I know women think they need to be young when they have kids - but realistically - it is way more important to be stable than young. Let him go to school and find a job then think about babies! Seriously - you throw a baby in this financial situation (as you describe it - credit debt, etc) and you guys will be at each others throat all day long!! Just wait - you'll still be young when you are 26 or 28!
  • I'm dying to go to University of the Pacific and get a bach. of science in business admin. Now, as always, money is short. What do I do? Do I go to a college first? In this case, delta college in Stockton, CA. If I do go to delta...what do I do? General ED.? For how long? My math teacher always told me that I have more of a chance of getting into UOP because I'm a first generation type student and I'm of Latino background. I'm planning on taking English 4 AP for senior year and taking the SAT maybe a couple times to see where my highest score is at, so that way when I apply, they look at my application and say OMG, lol... Anyways, I don't think I can do the whole loan thing because my dad is always talking about our " bad credit" , so sounds like loans aren't a very good idea. HELP ME. dulce_vengeance@yahoo.com Dulce:)
  • I would apply to the dream school and meet with financial aid counselors. It sounds like you can get grants and scholarships. Start looking into those. Also speak with your high school guidance counselors or whoever assists you with college preparation. At my first university (I'm in Ohio though) there was a program that has something to do with first generation students. The goal was to put 100 first gen students through college. You might be lucky enough to find something similar. Shoot for the stars lady! If all else fails and you don't think you'll have enough to go to your dream school then you start on plan B...but for now, go for it.
  • listen, you're a junior so your main focus should be on keeping your grades high. Colleges should be #3 on your list behind the SAT(#2). When the time does come to apply to schools, apply to both. Let's say you don't get accepted to your dream school: you can go to the community college for 2 years and transfer. What I've done is I've applied to 5 schools- 2 that I'd like to go to and 3 solid back-up schools that I know I'll get accepted to. You're hispanic, I am too. That helps us some, but believe me it doesn't guarantee us a spot at any school. Grades and SAT are #1 so while it's important to be looking into possible colleges now, you won't get in anywhere without the proper grades. If you get accepted to both, I would talk to your parents and figure out which one would be better to go to based on money. If you can't get a loan, there is lots of financial aid and scholarships out there if you're willing to look for them.
  • visit delta college, see if you can talk to the counseling office. they should help you figure out if getting a lot of your general education requirements at delta makes sense. and tell you which classes to take that would be transferable to the university another reason to start at delta is classes will probably be cheaper there than at the university
  • That's what I did. I went to Community College and got my general education credits. I went for about 2 years and I just transferred to the school I really wanted to go to. It helped out a lot becasue their classes were really flexible and not to mention cheaper. Just make sure the classes you take are garanteed to tranfer. Get it writing from your advisors Good Luck
  • Apply to your dream college. You will never get in if you don't apply. and a lot of people who go to CC first get discouraged and quit with nothing but there associates degree.
  • Suppliers are down 50%. Many that were on the edge of failure have already gone bankrupt because of the sudden credit freeze. If GM fails that will throw sales down another 3rd off the 50% they are already down. Ford, GM, Toyota and Honda will then be faced with another issue of finding part suppliers. Then what? They really just put the cars together anymore, they don't make parts. When you hear about giving the big 3 a loan realize that the survival of the big 3 = the survival of anyone that has business with them. Millions of jobs! The economy and the government can not handle that many job losses. Ohio is already running low on unemployment funds.
  • They will survive. Just because General Motors may go bankrupt is no reason to doubt there'll be future models of Chevrolet. They will have to make major - and long, long overdue - changes in management and in engineering. Their suppliers will have to meet the same challenges. That is exactly what they will do. Such things take time, and yes, in the interim things will be rough. But never - I say never - underestimate your fellow Americans. We've seen worse and we've come back stronger and more robust than before. And, in the words of an old, old song - We Did it Before and We Can Do it Again!.
  • it is high time for the advanced economies of the world to give up the automotive industry to the developing countries. for how many centuries do you wish to milk the internal combustion engine? it is time to move on, time to innovate, time to shake it up, time to change the rules of the game yet again. the real strength of the west is in innovation not in manufacturing. havent we learned that yet? the automobile will go the way of textiles, steel, and motorcycles. staying ahead of the pack is not a static zero sum gamed. it is a game where the game itself is reinvented over and over again. sell gm to the chinese and ford to the indians and do something else.
  • Ok this will be a long story but fully want to explain! I have a GREAT friend of the family willing to sell me her house very cheap to help me out as they have moved and her husband just died. I mean $12,000. Yes I am VERY broke apartment living with two kids and college debt and no job yet and can only afford TINY payments which is fine with her. Please do not judge me, I said it I am broke as in no bank accounts, savings, or anything. My husband works and pays child support for another child and we barely get by with our apartment at $450 a month. Anyways... she is willing to sell me the house for $12,000 with payments at like $250 a month on LAND CONTRACT, no loans, no nothing, no down payment. I am wondering what this will consist of as neither of us know much about it. (Yes she has a preferred lawyer friend but has not spoke with him yet and they need a month to clean the house and I am inpatient lol) I am in OHIO if it makes a difference. I want to know if it is UP TO THE OWNER to enforce me to pay property insurance, or if it is mandatory regardless. She does not want to force me to have it because I cannot afford it, and they never had it either. Can the LAWYER enforce ANYTHING? What are the round about costs from a lawyer to do the land contract? Who will or should pay that? And is it up to the owner to put an interest amount? Will there have to be interest if she does not want it? She also owes I found almost $1000 in property tax? Is that something we can decide on who pays it, or will I HAVE to pay it, or will she HAVE to pay it? Any other information I should know... about land contract, please inform me. I have done some research, but I thought people may have some input too. :) THANKS
  • She is JUST selling me the place for $12000. I do not HAVE the $12000. I cannot get a loan due to I just got done doing college and I have debt there.... I also have no job. My husband has bad credit due to hospitals. The property tax was just recently owed from 2011, her husband died and they moved out. $950.48 is owed and that is only 1 years payment, I doubt they would take her house, it will only add up.
  • Every person I have ever known who did one of those things got ripped off. if you're going to do this, READ EVERY WORD ON EVERY PIECE OF PAPER YOURSELF. And have a lawyer look at it too. do you know that if she doesn't pay her property taxes, the government can take the home, whether you've paid your part or not? If she owes a mortgage, and doesn't pay it, the bank can take the house, even if you've paid her and you are living in it. And any homeowner's insurance will pay HER, not you, if the place is damaged or destroyed. if she's such a good friend, WHY isn't she just selling you the place for $12,000?
  • ask him. additionally ask him, AND your lawyer, the way you're secure against a failure to pay on his section ensuing in a foreclosures and scarcity of the residing house. if the two are stumped, do no longer do it -- too risky.
  • My husband and I are fairly young, no kids yet will soon. We have been gathering some money and currently we live in a nice quiet suburban area few mins away from the city, it's an overall expensive area but there are some affordable homes just not on the market at the moment. Our budget is under 90k and below on a home. We found a house about 20 mins away from our area, but the home is in the city where every other house there is a lot more affordable so we found one for 50k it is a great starter home, a little out dated but we don't mind that because we can fix it. I like the house, BUT I don't like the area, the house is located more towards the city, mind you our city is small and although the house is in a decent block it is surrounded by many row homes views, surrounded by a lot more people, more traffic and in an "ok" area well basically anything you see in city neighborhood. I am not saying I want the perfect house, I don't even care what the cosmetic issues are I am more worried about the area and my husband doesn't mind. Now everyone is making me feel like I am being too picky because we found this very affordable home and I am judging it based on the area. It's not that it's an extremely bad area but it does have its rundown near by spots, also the school districts are not so good and I am not saying I want everything perfect just would prefer an affordable home in a decent neighborhood. This may be a good steal and now I feel guilty for not liking the area.
  • There are a few concerns in making this important decision. #1.The house need cosmetic repairs. Would these repairs increase the value of the house where you would be in a position of selling it for more than you paid for it? #2. Is the neighborhood in a decline or on an upswing? #3. How long would you agree to stay there before selling it and upgrading to another house? #4. Would you be able to keep the house as rental when you decide to move? You would need to be qualified to purchase another house with this mortgage loan being on your credit report? If you are able to do so it would be to your advantage as you would now be working toward your retirement. In this instance there is no right or wrong. You are making a decision about your future and how you wantto go about it. This is a situation between you and your husband. There should be no one else involved to include parents, uncle aunts and other family members. The other part of this marriage partnership would feel as if they were being beaten up on and confidential family matters are not so confident any longer. You and you husband are no adversaries.You are making a good choice for the family. Present your side and allow your husband to present his side. Once this has happened, you and your husband would make a decison based on hat is good for you and your husband. Both of you should be open minded about this situation. I hope this has been of some benefit to you, good luck. 'FIGHT ON"
  • Stick with area!
  • You are right. Consult with real estate agent and sure he will help you out.
  • frankly, if you don't have the money to buy where you really want to but find something that does work within your budget this might be your only chance to buy once you buy it is not necessarily your 'only' home, most homeowners buy and sell every 7 yrs this may be a good starter and that's where you are, STARTING!
  • No,you are exactly right in your thinking. Area comes first. You would always be able to sell it.
  • You should not feel guilty for not liking the area. It is what it is. In 10 years, you can afford a better house. By then, you can move to a district with better schools. For the next few years, the schools don 't matter.
  • You are not wrong for having a preference. Its obvious you simply don't want to leave your present neighborhood and will find fault in basically any other available property that isn't nearby. And you are under the belief that when a house does become available it will be priced at a level that you will be able to afford, conveniently forgetting that values increase over time and other issues like rising interest rates which will also effect your purchasing power. Yes, location is important. But choosing a home that is in a less desired neighborhood doesn't mean you have to live in it for the next 30 years. You will own more than one house, especially someone at your stage of life. But by buying something now allows you to start earning equity which will be necessary to buy your second house. And its your second house that will serve to meet more of your expectations especially since that will be when your oldest child is turning 5 or 6 and school districts are your priority.
  • Try to find out from the real estate agent or by assessing the area yourself whether the area is starting on an upswing or is on the downswing or remaining pretty much level. That is, are more and more people beginning to move there because it is affordable, and fixing up properties? Then buy it and be in on the renewal of the area. Or are people still moving out to better locations and probably a lot of rental houses in the area with minimal upkeep? Avoid it since the area makes you feel unsafe.
  • Are you wrong for being concerned about location? No. Is your husband wrong for having a different opinion? No. Are the two of you wrong for discussing your private business with the entire peanut gallery? Yes. Because now you have a bunch of people butting in, taking sides and screwing with your decision making process. You and your husband should be working together, privately, as a team, to find a solution that works for both of you. You'll find it's much easier to make decisions together when you keep things private. Make announcements to the family when the two of you are in agreement and have already made a decision. When you open up big decisions to family opinion, it makes it a whole lot harder for you and he to work together. Don't treat your marriage like it's a family democracy where everyone gets a vote. The only votes that count are yours and his. Good luck with the house! In my neck of the woods your basic small starter home is about 450k.
  • We obviously can't see the, "bad," area so don't know if you're being too harsh but, yes, location matters - alot. Conventional wisdom says to buy the worst house in the best neighborhood. Anyway, no, I don't think you're crazy for your position.
  • In May of 2008, I lost my job of 12 years after working my way up to management in the hospitality industry (hotel Manager) after the property was sold and came under new ownership. After being unemployed for 3 months I got a part time position at one of the big box retail stores, which I HATED, but worked. Then my old employer's competition offered me an entry level position at their hotel. I accepted immediately, even though it was only 24-32 hours a week, and has a vacation benefit only, it was better than what I had. I have remained amicable with my old employer and just found out that they want to buy this hotel as well! He and his family are planning negotiations. Losing my job was one of the biggest blows I have taken, I put my heart and soul into it, worked hard to advance, only to walk away with nothing after 12 years.So what should I do now that the it seems I have the same future in store at this new hotel? Should I wait it out and see? I'm still new here, but I don't want to go thru the nerve-racking process of wondering how long I'll have my position or watch as other loyal employees get canned or leave, or see standards deteriorate to a point that I'm ashamed to work there.If they fire me,or plan to not "rehire" me under new ownership, cut my hours, will I be able to qualify for any assistance? I feel I'm teetering on the edge of complete ruin! I decimated my savings from being unemployed/under-employed, my utilites and property tax have skyrocketed, I have no health insurance and have had to use credit cards for health services. There are no jobs here in NW Ohio. Is one bad year going to undo all my years of hard work and savings?What should I be doing? Everything seems so futile and if worst comes to worst, will I be eligible for assistance so I don't lose everything?
  • If it were as simple as "move" or "change industries", don't you think I would? Who's going to buy my house? There are 12 houses for sale on my street alone - the temp services are not taking anyone b/c they've actually had to lay off. How can I get a loan to buy a new house working 24-32 hours a week when I "move'? Change to what industry? They've all closed up or laid off. BTW - the 24 -32 hours was a jump up from the 18 I was getting at the Chinese Outlet Supercenter.
  • Move or change industries. You're working 24 hours a week? College students work more hours. HINT: Opportunity to do something else.
  • First - take a deep breath. I think you need to prepare yourself for a career change. Take stock of what you want to do and what your qualifications are. Then put together a good resume with help from http://resumesway.com
  • I guess I am now in a flood plane, as the maps were changed last year. I really do not want FEMA, as my Ins. Company said it is $2000 a year for my house appraisal probably around 160k and we only owe 90k and wanted to refi 100k at 3.5% for 15 years. Our current is 13.5 years left at 5.5%. My wife and I have worked hard to keep our excellent credit (both at 800). I dont want to pay an extra $250 a month for flood insurance, that I do not need (I am in Ohio not near a river, and stayed hi and dry during some of the worst rain we saw last spring in 100 years) I want to take advantage of great rates. and get squared away to be able to help my child for college next year. Since we only owe around 60% of the house value is there another loan option I could look at that does not require FEMA? Will FEMA eventually, or can they make me start paying it, this is a ridiculous price, in my case, IMO!
  • If a corner of your house is in the flood plain, a lender can require that you carry flood insurance as part of any refinance. If you want to refi, you have to play by their rules or you do not get it. Pretty straightforward from my chair. Don't like their plan? Look elsewhere, but since you are sitting in a flood plain, do not expect a different answer. $2,000 a year does not equal $250 a month, BTW.....
  • FEMA is a federal agency. What you are complaining is required insurance under NFIP (National Flood Insurance Program) Yes, FEMA was undertaking a years long program to redefine the previous flood mapping based upon more recent evidence and occurrences. Some people who were previously required to carry NFIP found themselves now OUT of the previous flood plain and were able to cancel NFIP. Others ended up like you, who are now IN a flood plain due to the new maps You have NO choice in this matter, unless you do not carry a mortgage of ANY value. As soon as your current mortgage holder figures out that you are now in a flood plain, they WILL require you to start the coverage. Not refinancing does not insulate you from this requirement. Coverage under NFIP is required of ALL in flood plains, and who have mortgages covered under the law. (If Private Joe Blow was your lender, you would be exempt from the requirement.) However, you CAN purchase a "flood elevation certificate" from a certified land surveyor. Getting such a certificate entails having the surveyor determine the elevation of your property compared to the 'base elevation' of your area. Contact a surveyor for further information. He can tell you whether you have any chance of success in having the flood elevation certificate exempting you from NFIP. As well, recalculate your premium. It's about $165 a month, not $250.
  • FEMA is not something you "carry". It's a govt agency. I think you mean flood insurance, available through the NFIP. They CAN require it. Thats life.
  • I am a high school junior and a female, and I really want to go to film school at Ohio University. However, the cost is near $20,000 a year and I don't want to have $80,000 worth of student loans when I graduate. My grades are okay but not great, only about a 3.3 GPA and a 24 on my ACT, but ive only raken it once. My question is, should I go into the navy right out of high school, then when I finish have them pay for my college, or would that be a bad idea? Also, I would like to go in to the navy, but i don't know if it is worth it to start college 2 or 4 years later. All answers are appreciated! Thanks in advance
  • The Navy is not a good place for women except as Medical Professionals.
  • I was just looking closely at my cat...and i realized she's been itching a lot more lately (no fleas), but now her skin is very red. it looks very irritated and she's got sores right above her eye. I haven't seen her scratch right above her eye at all so it's weird that there is one there. I found blood on her fur. I'm hoping it's from her URI she sometimes sneezes out blood (the vet said it's a possibility she will have the URI for the rest of her life along with my other cat) They have both had it for quite a while and no medicine will help. But anyways, about the red skin. it's not normal. She's been acting weird lately. Is there some kind of skin disease cats can get (they are indoor cats)? I'm really worried...i don't have a job at the moment and my family cannot afford to take her to the vet right now. I don't want something to happen to her. Does anyone know what this could be? She's kind of blotchy also. I know everyone is gonna say to take her to the vet but i need opinions...advice on what this could be. Also does anyone know of any Vets in Columbus, Ohio that you can do a payment plan and/or a loan type thing?
  • I would say it's probably allergies. Scratching and red skin are exactly how a lot of cats and dogs respond to allergies whether it's something in the air or something in the food or even a single flea bite. The bad news is it can be hard to get the to bottom of it. The good news is something as simple as Benadryl could bring her comfort. If you have a vet you use regularly they may be willing to give you the dosing instructions for Benadryl over the phone. You can only use the one with Diphenhydramine. There are some benadryls that have other active ingredients so read the label very carefully. Then they only can have like .25 to .5 mg per pound to start with. You might need to cut the 25 mg pill into like 6 pieces, depending on your cat's weight. They can also have the liquid variety but I don't have dosing for that. Again, highly recommend you contact your vet for help with proper doses. If funds are really tight, you can go to JustAnswer.com and ask a vet. You have to pay for your answer, usually $12 to 15. But if you are not satisfied you can clarify your question, etc. Otherwise start calling vets and asking about payments plans. CareCredit may be another option. It's a credit card strictly for medical-ish expenses but not all vets accept it so call ahead. If you do find that an anti-histamine helps, there are allergy tests available but they can be quite pricy. There are also other options besides allergies that may be causing her issues so it's best to work with a vet if you can work it in. Not an emergency but obviously she is uncomfortable so do what you can to start saving up some money to take her to the vet. Good luck!
  • i might call the emergency vet hospital and tell them what's happening. perhaps they are in a position to furnish you some concept how extreme that is. It does not sound stable. Blue is by no ability a stable shade for wholesome epidermis!
  • I would probably choose AP physics. You will be happy if you get credit for it from taking the AP test. It will allow you to not have to take that class in college and it will be able to count towards courses required to get into most vet schools. It will save you time and money in the long run! Here's a little more about your goal, to become a vet: You can begin to get hours working with animals (horseback riding lessons, volunteering at an animal shelter or rescue, starting a dog walking business, etc,.) or shadowing a vet in high school that will count later, keep track of these hours in a notebook! Most people who go to vet school have a bachelor's degree, but it is not required to get into vet school. There are only 28 veterinary schools in the country (There are also several international schools that are AVMA accredited) and entrance to these is highly competitive, so not having a bachelor's can make it more difficult. The schools' requirements vary slightly, so look into the specific school you are interested in first- I have included a link in my sources to a descriptor page with requirements for each school. Most require biology, chemistry, organic chemistry, biochemistry, physics, math, and English. You can complete the courses you need at any college that offers them, including a community college if money is an issue. Schools also require a certain amount of experience with animals (having a pet does not count in this!) and experience working with a veterinarian. You will also need to take the GRE or MCAT before applying. This may seem like a lot, but the schools want to know you can handle the course load in vet school and know about the career. Tip: keep a record of your activities, hours, and honors- you can put things on your vet apps as far back as high school! Where you apply depends a lot on where you live. Vet schools reserve a certain number of seats for students who are residents of the state the vet school is located in. This is where your best chance of being accepted is, but you can also apply to out of state schools. The Veterinary Medical College Application Service handles the main application. Most schools also have a supplemental application which you must get from the school itself. Most schools have interviews, but some do not. Once you make it through the application process and are accepted, (yay!) the hard work begins. Veterinary school is four years. It is medical school, but for multiple species. Typically the structure is three years of classroom work and one year of clinical training. Each program is a little different, check into the individual schools' websites for more information. Making it through vet school is difficult. You will be in class for 8-9 hours each day during the week and will need to spend evenings and weekends studying. During clinical rotations you may be required to be at the hospital at all hours. You can also do an internship or residency after graduation to become more specialized. Please also take cost into account when planning your undergraduate course work! The average vet student in 2010 graduated with about $130,000 in debt. Vet school tuition alone (this does not include books, room, board, and other expenses) ranges from the cheapest being $13,000 (North Carolina, in state students) to almost $60,000 (Ohio, out of state students) per year. The majority of financing is going to be in loans, which are all unsubsidized starting this year, so interest will be accruing while you are in school. There are not a lot of grants and scholarships for professional students the way there are for undergraduate students. The average starting salary for a vet is between $43,000 and $71,000 depending on what area you are going in to. The median annual wage for veterinarians was $82,000 in 2010. Veterinarians have the worst debt to salary ratio of any of the professional school graduates (lawyers, physicians, dentists, pharmacists, etc,.) There are no veterinarians I know of who got into the career because they wanted to make lots of money. For more information on salary statistics and the career see the link to the Bureau of Labor information in my sources. If you are still interested in becoming a veterinarian after reading all of this then fantastic! A good way to start getting a feel for the career is to call some local vets and ask if you could spend an afternoon shadowing them! There are also other careers with animals that you may not have considered that would be just as rewarding- I have put a link to a website about animal related careers in my sources, take a look at that! Best of luck to you!! Jenn
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