I have 670 FICO/75K salary/first time buyer/not a lot to put down?

My people of Detroit area..PLEASE PUT ME OUT OF MY MISERY. Tell me, where can/should I buy a house? (not detroit :)

What price range should I look at in our jacked up market to pay $1100/month OR LESS (preferably less). I have school loans and can%26#039;t afford more. I am going crazy!! I keep switching cities. Everytime I see I house I like it%26#039;s too much money... $150k and up. I love a house right now that%26#039;s 165k. Completely empty. I have no idea if I can get them down...I don%26#039;t have a bunch of money for a deposit.

I don%26#039;t even look at condos anymore. A West Bloomfield condo for 117k, with 3.5k taxes and 275 association fees is $1300/month. That%26#039;s crazy! (for me)

I am totally stressed. Help me people. I had it out with my real estate agent today. She is rushing me. I signed with her in August. She said I am never going to make a decision because there is too much inventory. If there is so much inventory, why can%26#039;t I freaking find what I want?!?

(sigh)

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

Based on the information you provided, there are many mortgage options available to you. Please talk with a professional about this. If you figure out what your actual financing will look like, you%26#039;ll be in a better spot to decide what price you%26#039;re willing to pay for the new home. And knowing your true price, you%26#039;ll be able to focus on location and the intangibles that come with owning your own home. And that%26#039;s a lot more fun!

Live where you want, then find a house that%26#039;s affordable there. You want to be happy with your location, neighborhood, surroundings, and price. And yes, some areas are a little too expensive, like Bloomfield and Birmingham, so ignore them. There are some steals in Royal Oak, but again, decide your location on the intangibles (and proximity to work), then you%26#039;ll find the right deal there.

Don%26#039;t stress about it so much. Sometimes you just gotta let go. And that%26#039;s when you find the answers.

I%26#039;m a local guy. If you%26#039;d like, see my profile, check me out, and just send me an email. I won%26#039;t try to sell you a thing. But I will gladly help you determine how much you should spend.

Take care, good luck, and I wish you the best!

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

well sounds like u love one house. remember the market is not good right now so it is a buyers market! if they askn for 165k offer 130k just to see where the seller is at. the worst they can say is no! but at least u will know where they r at! good luck!

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

I would get out of Michigan if I were you; that place is a sinking ship. My husband and I just moved from Troy, MI to Frisco Texas and we couldn%26#039;t be happier. Michigan is a rip off. There%26#039;s nothing there, it%26#039;s depressing as hell, any property you buy there is going to be a money pit, it%26#039;s expensive (for WHAT?? Nothing!). You can get a lot more for your money elsewhere in the country.

I can give you the address of the place we used to rent in Troy if you want. We just moved out ten days ago. The landlady rents for 1,100k/mo. but the place is for sale for 160k. You%26#039;d have to be crazy to pay that much for a house in Michigan unless you really love it there, but I suggest you open your mind to other parts of the country.

Either way, don%26#039;t let that realtor pressure you. She is working for you, don%26#039;t forget that and don%26#039;t let her forget that, either.

Oh and sellers don%26#039;t expect to get their asking dollar for the house. The expect a reasonable counter offer(s). Make sure you know what your top dollar is and do not go over that. I agree with the first poster. All they can say is no. Often they will try to meet you halfway. Don%26#039;t go over your set top dollar though.

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

I have a friend who is looking to sell a condo in Clinton Township that pays around 1,000 a month with taxes, association and everything. Let me know if you%26#039;re interested. The good thing about now is most sellers are EXTREMELY motivated to sell because it%26#039;s a buyer%26#039;s market. If you see a house for 165k you can probably get that down, maybe even to 140k or less you never know until you ask. A friend of mine who does real estate just closed a deal that she negotiated down for her clients $100,000!! Your agent sounds like she sucks. If you need a new agent let me know, I don%26#039;t sell real estate, but I know a lot of people in real estate that specialize in first time buyers. For a mortgage go to Quicken Loans/Rock Financial, they have hands down the best customer service and they%26#039;re in Michigan so you%26#039;re helping support your economy.

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

REALTOR = USED CAR SALESMAN

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Take a look at the area known as the slums of Rochester Hills (the original Rochester Hills homes) and look north of Oakland College.

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What about Warren ? Novi ?

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Contact www.realestateinsiders.com to get advice on how to do the deal.

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(move to greenville SC, or Austin, TX, or Raleigh, NC) Y R U in Detroit ?

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PS I want to go to law school. please email me

glen.dekalb@yahoo.com

West Bloomfield is a crazy place to be looking.

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

Oh my god....$1300 a month? Are you kidding me???? Try moving to LA.

I have 670 FICO/75K salary/first time buyer/not a lot to put down?

I live in Lincoln park our house payment insurance and taxes included comes to $1015 a month. We live south of southfield and west of dix it%26#039;s a very good neighborhood. there are tons of houses around here for sale and in taylor. We paid about 107k for our 3 bedroom finished basement house. it%26#039;s nice too. good luck.

I have a question about a new buisness partnership?

I am looking at entering into a new partnership with another physical therapist. He currently owns the buisness but never works so I run everything on a daily basis. I asked for a 10% partnership a year for three years to enter into a partnership. He orignally agreed to this but now wants me to buy into the buisness, which is not possible because of all of my school loans (over 130K). Should I stick to my guns or is it not fair for me to be asking for this? THANKS!

I have a question about a new buisness partnership?

First, did you make the agreement in writing? If not, can anyone testify to the agreement? If not, then you are better trying to negotiate afresh since you will find it hard to prove your case.

If you have written or verbal testimony, you can use this as leverage in your negotiations.

The basic answer is, that you should both stick to the agreement made unless you both agree to change it or to a penalty for breaking it.

It sounds like you have a good position since you are essential to the operations. Consider what you would do if you are not able to negotiate the ownership? Could you go it alone with clients from this business? If so, what would that be worth? If you have a proven track record and bookings, you are very likely to find someone to invest in your business (it%26#039;s a lot easier if cash is due in).

With that as your fallback position, you can now negotiate strongly for what you want. If you have a neutral professional that you can bring in as mediator, do it. Business partnerships are like marriages and you don%26#039;t want the emotions to get in the way of reaching a sound agreement. Schedule you meeting away from distractions at work, list your requirements and outline your what you want and by when. You have no obligation to talk about your fall-back position - save that just for you.

If I were in your shoes and the partner was not pulling their weight (a threat to my livelihood) and changing the terms without notice (a threat to my livelihood!), I would be negotiating for a percentage split based on time spent on the business and the revenue it brings in. They keep a percentage based on assets and the time and effort they put in. Unless their investment brings value to the business now (goodwill from customers before you came on board), they shouldn%26#039;t be trying to make a fast buck out of you now.

If you do look at buying into the business, you should be looking for a majority share. Again, with a good track record, you should be able to find a silent investor willing to put up the money.

Being responsible or commitment phobic?

My boyfriend and I have been together for 2 years, friends for three years prior. Both in our mid 20s and full time students. I am his first serious girlfriend, and in the beginning of the relationship we took things slow. I am very much in love with him and I know he loves me. The problem is, he doesnt want to move in with me, where Im ready to make some sort of commitment. Hes struggled financially w/ bills, rent, and past school loans and has taken up his parents%26#039; offer to stay with them until he could pay off some debt. He wasnt thrilled about this, but it was sensible for him to do. I have brought up the idea of us moving in together and he says he wants to wait until we are both financially stable, which I understand. However, he never speaks of a future with me. He has never spoken of marriage or future plans that involve me. I really love him and want to be patient; I%26#039;m willing to wait things out if he really wants to be with me. I fear that if I bring this up I will seem pushy

Being responsible or commitment phobic?

Don%26#039;t force things, you will probably stay together longer if you aren%26#039;t always around each other and give each other some space

Being responsible or commitment phobic?

Only he knows why he won%26#039;t move in %26amp; what he sees for the future...talk with him about it. Don%26#039;t push, but gently get him to open up about what he wants from the relationship and life, in general.

And, I know you didn%26#039;t ask, but living together is a bad idea anyway...especially if you want to marry him eventually. You need to have time apart, as you%26#039;re more likely to take each other for granted if you live together. You%26#039;re also a lot less likely to make it to the altar because cohabitation provides all of the benefits of married life with few of the responsibilities.

How much could I afford for rent without breaking my pocketbook in New Bedford, Ma.?

Monthly income salary = $2200 - 3200 (2200 is my base but I work overtime here and there.

Car payment = $445

School loans = $150

Car insurance = $100

Phone (land and cellphone) = $140

How much could I afford for rent without breaking my pocketbook in New Bedford, Ma.?

The old rule of thumb is that your housing should not exceed more than 1 week%26#039;s take home pay. If possible, try to live off your base salary since OT is not always guaranteed. It will be a struggle, but if you can save your OT earnings to pay down your debt, you%26#039;ll be better off in the long run.

Good luck!

I would like to buy a home how should I invest my money?

I want to invest my tax dollars so that I can have a down payment for a house or condo, if I put away 5,000 a year in what should I invest it in and how long will it be before I have enough for a down payment. I%26#039;m renting right now, this will be the second home for me I sold the first because of threat of foreclosure. my second question is how do I repair my credit now that I%26#039;m renting I am paying back my school loans now.

I would like to buy a home how should I invest my money?

Credit repair can only be achieved through financial discipline and hard work. Any easy way out of a poor credit history is undoubtedly tempting, but it may lead to further financial difficulties in the future. If a poor credit history is due to circumstances beyond%26lt;!--consumer%26#039;s control, and they are able to somewhat make amends to their credit records after that time, then a creditor can be requested to upgrade credit rating because of a sense of customer loyalty.

http://best-loans.awardspace.com/repairc...

Most creditors don%26#039;t trust the customers defaulting on their debts, so it may be very difficult to obtain new credit. But once a person is able to demonstrate continuing income stability and prompt--%26gt;payment patterns, his situation can improve in a period of two to three years. This way, even in the case of bankruptcy, a consumer is likely to be offered charge and credit cards within a year or two if maintaining a steady income.

I would like to buy a home how should I invest my money?

If you%26#039;re saving for a home purchase, you need to be very conservative with your investment - perhaps a money market fund or CDs if good rates are available.

I would like to buy a home how should I invest my money?

I wish my advice could be helpful.And here is a good resource.Check it up.http://homeloan.online-assistant.info/be...

I would like to buy a home how should I invest my money?

Put the money into something like money market or certificates of deposit. Otherwise your gambling with the money your trying to save for the down payment. If you had any profits from the first sale you have to buy the new house in a specific timeframe or you pay higher taxes on it. Ask a tax preparer about that. Repair credit by being on time with payments. If you have credit cards, pay most off but do not close them. That gives you a good debt to available credit ratio.. which will count on your credit score. Good luck.

Should I transfer my college debt to 0% credit cards?

My wife has about $28000 in school loans. Should I transfer this to credit cards, two in her name and two in mine, with 0% interest and keep flipping credit cards every year to maintain the 0%?

Should I transfer my college debt to 0% credit cards?

In theory yes. In practice this can be hard as you may not be able to find a card with 0% rate when your previous card%26#039;s grace period is over, leaving you with a 20+% rate. Also 28,000 is a lot of money which you would have to spread over at least a few cards as most cards wont allow you to do a 28,000 balance transfer.

Should I transfer my college debt to 0% credit cards?

Dont be fooled by the 0%. There are some terms and conditions to maintain the 0% such as paying timely minimum amounts and other things. Look at the contract in detail.

Should I transfer my college debt to 0% credit cards?

NO, this will ruin your credit rating and trap you into high, and escalating interest rates. If it is too good to be true it is. Don%26#039;t get suckered by the credit card companies.

Should I transfer my college debt to 0% credit cards?

Problem with that is you%26#039;ll soon stop getting that 0%. Then you%26#039;ll remember that school rate loan with much regret. Plus, interest of up to $2500 on it is tax deductable even if you%26#039;re not itemizing deductions.

Should I transfer my college debt to 0% credit cards?

NOOOOOOOOO!! Don%26#039;t do that!

Credit card debt shows up on your TRW as BAD credit, student loan as GOOD credit. Student loan corporations are MUCH more forgiving, with chances to defer for different reasons. If you miss those credit card payments, they will CRUSH your credit in no time flat.

I have much more on a loan than you do- $140,000. Stay with the student loan people- and consolidate if you have not already.

Should I transfer my college debt to 0% credit cards?

NO! I think you can re-negoiate the interest rate. I heard that a few days ago on the radio. Contact

Dave Ramsey. He is an attorney and gives free advice. dave ramsey.com

Should I transfer my college debt to 0% credit cards?

NO! Student loan debt is non-collateral and looks differently on loans. I graduated with $37,000 in school loans and it did not affect getting a house or car loan but if I had that on credit cards I never would have been able to. Plus there are certain jobs that pay off part of you school debt.

Should I transfer my college debt to 0% credit cards?

It%26#039;s up to you, but I wouldn%26#039;t. After the 0% time line is over, they will raise your rate higher than the repayment rate of a student loan lender. A student loan will never exceed the rate of 10%. Right now it%26#039;s the lowest in history. Lock in on a rate. You qualify for many deferments that a credit card won%26#039;t offer you. Check it out with your financial institution. Some loan companies will give you a break if they can automatically debit your bank account and they may forgive your last two payments for paying on time. Check into these things. Is she done with college yet? If she just got done you get one year before you have to start repaying. Depending on if it%26#039;s a subsidzed or unsubsidized loan the government may be paying the interest on your loan. You will only pay back the amount borrowed without interest. If you transfer it to a credit card this won%26#039;t be the case.

Should I transfer my college debt to 0% credit cards?

Definitely Not. Not only is college debt never bad debt, they do work with you if you ever get into financial trouble. And financially, you can %26#039;write-off%26#039; the interest you pay on the school loan(under certain household income limits), which you are not able to do with the credit cards. Also, there are laws with school debt%26#039;s interest rates. There is ceilings on those usually and they can%26#039;t go higher than a specific amount. After the grace period is up, your 0% credit card will turn into a very high interest rate.

Just keep moving along and if the payments get to high, call the financial aid office and work out a cheaper monthly plan. Remember-options with the school debt.

Should I transfer my college debt to 0% credit cards?

You%26#039;ll find strong opinions (on both sides) for this question...

YES, you could definitely carry your balances on 0% APR credit cards and pay no interest until you%26#039;ve paid off your school debts. And YES, switching credit cards on a regular basis will have a slightly negative impact on your credit score.

But the truth is, the small negative impact you may feel on your credit score is only short-term. Once you%26#039;ve paid off your balances and quit switching credit cards on a regular basis, your credit score will correct itself in time. As long as you don%26#039;t plan on taking out a mortgage (or other BIG loan) soon... you shouldn%26#039;t worry about your credit score too much-- especially if you%26#039;re going to save thousands of $$$!

The only other thing you want to be aware of, is %26#039;balance transfer fees%26#039;. More and more credit card companies are including a 1%-3% charge to transfer a balance. Although you%26#039;ll still save money (even with a balance transfer fee), try to find offers without one if you can. You can find a great list of 0% APR credit cards here:

http://www.asapcreditcard.com/0-apr.html

Hope this helps. GOOD LUCK!

I made $50k this year and wanted to know my potential tax refund?

I live in California, paid about $8800 in Federal Tax, $315 every pay check and $79 state tax (bi-monthly). I have 0 exemptions and 0 dependants. I also paid about $3000 in interest for school loans...I also, invested about $3000 in my 401K.

I made $50k this year and wanted to know my potential tax refund?

Go to the store and get turbo tax. There is a lot more to consider than the info you gave us. You could also go to a tax professional and get your return done. Then you would have the exact amount, and not an estimate.

I made $50k this year and wanted to know my potential tax refund?

The best way to find out is to fill out your tax return. You can%26#039;t get an accurate estimate here. There is too much information missing.

I made $50k this year and wanted to know my potential tax refund?

Your tax is based on the total income, your filing status, whether you have any dependents, etc.

50,000 - 3000 = 47000 on w-2.

47000 - 8750 (single) = 38250. (i skipped the school loans)

About $6000 in tax.

Withholding was $8800, you you might get $2800 back.

I made $50k this year and wanted to know my potential tax refund?

So, what happended to the $7k in commissions the last time you asked this question?

My previous answer stands. Go back and look at it.

Is there a time limit for businesses to charge customers?

I just received a bill from my dentist who I have not seen in over 3 years. I guess she dug up her files and found a few %26quot;accounting errors%26quot; and began requesting for payments. At the time I paid what I thought was the total cost that I had to pay and the rest were covered through my insurance. Now I have this bill.

I really dont want to pay and think its bogus, but I dont want to ruin my credit. Is it against the law to charge someone 3 years later (School loans does not count I know its defered). Is there a time limit?

Is there a time limit for businesses to charge customers?

I need to know a lot more than you have placed here in order to tell you the answer. I suggest you consult an attorney about this right away. This may be a scam.

Is there a time limit for businesses to charge customers?

I believe there is a time limit.

What do you do when your husband ruined you financially?

I have been married for 3 years. We have a daughter and one on the way. Last week a lot came to pass. Creditors started calling. Apparently my husband 12 years ago took out school loans, credit cards, and I do not know what else. We were trying to buy our first house when all this happen. He said he just forgot about them. I asked if there was anything else and he said he did not know. Together we make 50,000 a year. We do not have anyone to ask for money. When we pay all our bills we have about $70 dollars left. All that is money for doc appt. or something that comes up. We do not travel, go out, my car is 13 years old, I have not bought clothes for ourselves in 2 years, we do not qualify for food stamps, and I do not wear makeup anymore. I was already cutting corners before all this. He is a great father and a loving man. Money is not something he is good at. I do not know how to fix this. Does anyone?

What do you do when your husband ruined you financially?

Try debt management counsellors, they write in very good letters charging a minimal fee for the payment to be worked out according to your financial status!As he is a good father and a loving one, just keep on struggling on his debts to be solved.It will end one day and it is not simple .Experience has taught the hard way to build our relationship!Be strict with him on his habitual expenditure from now on!What happened before his marriage was a blunder but what you are with him is a wonder!All the best to beat this emotional stress of yours!

What do you do when your husband ruined you financially?

contact a credit counseling service. bankruptcy is not an easy out anymore, but maybe they can help.

What do you do when your husband ruined you financially?

you can call a lawyer and file bankruptcy or else call a credit councilor, usually they can have all your debt put together, lower the interest on it, and you make one monthly payment to them.

What do you do when your husband ruined you financially?

If you have racked up big credit card debts, cut them up, and find a credit outfit that will re-negotiate your interest on those debts. Too bad you chose to have another child --- from this, it appears you can barely afford the one you do have. Your loan out for education were indeed loans, not gifts, and you must pay them back, sorry. But a credit intermediary ought to be able to help make these manageable.

And since you admit he is not good with money, that means he is frittering it away on things he and you don%26#039;t much need --- guy stuff like tools he may use years from now, but just gotta have now. I suggest YOU gather up all the money, the income, and YOU pay the bills. Put him on an allowance. Hon, you will never get out of debt unless you do, and you will NEVER qualify for a house, unless you do. Take charge of the finances, or kiss your financial future adios (good-bye)

What do you do when your husband ruined you financially?

Unfortunately student loans are not something that you can wipe out through a Chapter 7 Bankruptcy. You can file a Chapter 13, in which your bills are paid, but interest is usually cut back or eliminated, and payments are garnished out of your checks. You also have to go through 6 months of financial counseling. There are consolidation companies, but you have to check them out on the Better Business Buereau website (www.bbb.com). My husband did the same thing, but with him it was taxes and student loans. We are still trying to get out from a mountain of his debt.

What do you do when your husband ruined you financially?

Maybe you can introduce him to my ex-wife. That way they can ruin each others lives and leave us out of it.

On a more serious note, perhaps you need to take over the finances. Check out Dave Ramsey or Crown Financial

What do you do when your husband ruined you financially?

He conned you into marrying him (a debt ridden man). Weigh your options. If being a great father and a loving man rock your boat, then keep him and try to sovle the problem and stand by him. Consult a financial consultant or your pastor.

Did i put him IN HIS PLACE?

this dumb guy tries to flirt with me til i like him then rejects me . then sa soon asi move on he comes back around saying hes in love w/ me and as soon as i respond he starts pulling away agan. recently hes been bragging how great his life is becuase he has some good job ( supposedly ) and a wife and a house . well ayway he was putting me down bcuz of my job so i said %26quot; wel lhey at least im not marreid to some nazi ***** and im going to get finanical aid and **** ! your going to have to work your two crappy jobs and put up with her and then have to pay back all your school loans! %26quot; and i started cracking up. he sounded like i got under his skin wehn he went to hang up he sounded all upset and mad he is like %26quot; Well im going to my other crappy job now !! grrr %26quot; like he was all upset about his life ! instead of bragging like he had been, i was usualy saying %26quot; wow your life is so great %26quot; not this time ! felt good too HAHAHAHAH

Did i put him IN HIS PLACE?

Sounds like he has a small dick and is trying to overcompensate. You got under his skin, but he will find a way to come back at you. Men are petty that way. Don%26#039;t sink to his level again. Crappy life or not you don%26#039;t have to put up with his childishness.

Did i put him IN HIS PLACE?

No one deserves that.....

Did i put him IN HIS PLACE?

nice one!! bc he waz flirtin wit u and he haz a wife!! good job girl!!!!!!!!!!!!!!

Did i put him IN HIS PLACE?

Well I imagine Western Career College will be so proud to accept you into their ranks.

Did i put him IN HIS PLACE?

yah u treat him good and he treat u like this, leave him he dun even deserve to be ur fren, if he is in mess with his life let him deal with it instead of hurting u again and again.

Dun ever talk and see him again.

Christians, is debt a sin?

I%26#039;ve never heard this until I read it in an answer a couple minutes ago. How is debt a sin? Is some debt okay, and not other debt, or is it all wrong? Is it wrong to get a mortgage? What about school loans?

Sometimes you don%26#039;t have a choice if you want a decent education. We don%26#039;t all have Mommy and Daddy%26#039;s pocketbook paving the way.

Christians, is debt a sin?

I don%26#039;t think it%26#039;s wrong unless you%26#039;re intentionally taking money you know you won%26#039;t be able to return. I think that%26#039;s what debt means in the biblical sense.

Christians, is debt a sin?

No it isnt!!

Christians, is debt a sin?

Refusing to pay your debt, or going into debt that you can not pay is theft.

Assuming reasonable debt that you can repay is ok.

Christians, is debt a sin?

it realy depends on the motive behind the debt

Christians, is debt a sin?

I don%26#039;t think so, I think that if you had no intentions of paying it back then that would be the same as stealing, but debts like a mortgage etc are perfectly normal things to have in this day and age, and I cannot see that sort of debt being a sin. If you borrow loads of money and don%26#039;t try to pay it back then I reckon that%26#039;s as sinful as stealing.

Christians, is debt a sin?

No, that is ridiculous! Some debt is ok. I mean no one can usually just go buy a house with cash.

Christians, is debt a sin?

If you are not accumulating a debt you know you cannot pay, I don%26#039;t think, I don%26#039;t know, you will be convicted immediately by The HOly Spirit when you sin, If you go out and take something you know you can never pay back it will be like trying to get over on someone, and I believe anywhere when you hurt another or lie it is a sin.

Christians, is debt a sin?

depends

if you charge 1000s of dollars in clothing which you can%26#039;t afford.............it is sin because the heart was coveting and greedy and not right.

Certain debts are ok

Christians, is debt a sin?

of course it isnt but the christian teaching make it like one...

Christians, is debt a sin?

Debt is in now way a sin. Failure to attempt to relieve the debt is dishonest, but still not a sin. If you%26#039;re trying, there%26#039;s no problem Who ever said that is just thumping their bible to judge their fellow man.

Christians, is debt a sin?

I don%26#039;t think it is.

Sometimes debt may not be a wise choice, but how many people buy their homes with cash, or I%26#039;m with you finance their school loans (I%26#039;m still about 30K down on them).

You couldn%26#039;t save fast enough to pay for school tuition rates would increase and eat you alive.

Christians, is debt a sin?

I%26#039;ve stated before I am not a Christian but I know Debt is not a Sin it%26#039;s just a bunch of wrong decisions you%26#039;ve made to get you into debt.

Christians, is debt a sin?

No. Charging interest on a debt is sin (it%26#039;s called usury).

Christians, is debt a sin?

Debt is not a sin itself. But that question asked about running up debt, with no intention of repaying it, because you believe the world is ending. That%26#039;s the sin.

However, it is good to avoid debt to the extent possible.

Christians, is debt a sin?

I think they are talking about impulse buying or something like that.

and i read that..

%26quot;the major sin is lack of trust in God---that I won閳ユ獩 get what I need, God won閳ユ獩 give me what I need unless I go in debt for it. That閳ユ獨 a real fundamental problem in a lot of other sins. People commit sins because they don閳ユ獩 really believe God is going to help them.%26quot;

Christians, is debt a sin?

no but if you go in debt to buy a fancy car yes

Christians, is debt a sin?

Charging intrest is, so the entire banking industry would be a sin. The sin of debt would not be yours, but lender who charged interest.

Christians, is debt a sin?

helping each other is not sin

Christians, is debt a sin?

Yes. According to the Lord%26#039;s Prayer, it says, %26quot;Forgive us our debts and we forgive our debtors%26quot; another version says, %26quot;Forgive us our trespasses as we forgive those who trespass against us%26quot;

The Lord%26#039;s Prayer is the model of prayer that Jesus taught us, as recorded in the gospels of Matthew and Luke (.) It is presented here in traditional and modern language:

Our Father, who art in heaven,

hallowed be thy name.

Thy Kingdom come,

thy will be done,

on earth as it is in heaven

Give us this day our daily bread.

And forgive us our trespasses,

as we forgive those who trespass against us.

And lead us not into temptation,

but deliver us from evil.

For thine is the kingdom, the power and the glory. for ever and ever. Amen

Another version says this:

Our Father in heaven,

hallowed be your name.

Your Kingdom come,

your will be done,

on earth as in heaven

Give us today our daily bread.

Forgive us our sins,

as we forgive those who sin against us.

Lead us not into temptation,

but deliver us from evil.

For the kingdom, the power and the glory are yours.

Now and for ever. Amen

DEBT and SIN and TRESPASSES are used interchangeably. Anyone who believes otherwise, is wrong. Given what DEBT and SIN mean to the church and to Christians, what does that tell you about the US deficit?

%26quot;Forgive us our debts (or transgressions) as we also have forgiven our debtors (transgressors)%26quot; -- This speaks about forgiveness among our associates, neighbors, friends, family and loved ones. Any and all persons in our lives that we come in contact with in social or business situations are included as well. If we can%26#039;t forgive others, how can we expect our heavenly Father to forgive us?

Christians, is debt a sin?

No but those who give out loans and tack on interest are sinning...

Exodus 22:25 (New American Standard Bible)

25%26quot;If you lend money to My people, to the poor among you, you are not to act as a creditor to him; you shall not charge him interest.

Christians, is debt a sin?

I don%26#039;t think debt is a sin. However as followers of Christ we want to be as free as we can of anything that will distract us from having him as our sovereign. We should try to avoid getting involved in commitments that will divide our commitment to Christ alone. Which I understand to mean, yes sometimes debt is inevitable but it is unwise and may even be possibly sinful to go into debt simply to acquire things that we want and don%26#039;t really need. That would be the same as willingly enslaving oneself to one%26#039;s material desires. I do believe that Christ%26#039;s teaching suggests that believers should not hold other people in debt.

Christians, is debt a sin?

You are all right. It%26#039;s if you have no intention of paying back. Some people get carried away with getting into debt. It would be worse to be in debt and go after someone else in an unforgiving manner, as portrayed in the New Testament.

Christians, is debt a sin?

Depends on what type of debt...

Christians, is debt a sin?

Bad idea, absolutely!... Sin?.... dunno....

To me, debt is bondage, self-induced slavery. My future earnings (and therefore, my time) is no longer mine, because I%26#039;ve promised it away. Even the money I earn isn%26#039;t mine- I%26#039;ve already spent it.

Christians, is debt a sin?

I agree with you, but unfortunately, yes....debt is a sin.

In fact, my pastor just preached on this yesterday and he said that you are not supposed to live above and beyond your means...which is considered debt.

Just remember that you will not leave this earth with anything that you %26quot;have%26quot;....only with your soul.

Christians, is debt a sin?

That one is up there with %26quot;menopause is punishment for sin%26quot;.

Christians, is debt a sin?

no...its usurious interest that stinks and sucks...

Christians, is debt a sin?

Have you ever seen the Merchant of Venice (the new one with Joseph Fienes, Robert DeNiro, and Jeremy Irons is really good)?

Many people interpret the new testament as considering the lending and borrowing of money to be a sin: %26quot;Neither a borrower or lender be.%26quot; That is why Christians had to sneak over to the Jews to borrow money. That is also why, when the Christians had amassed so much debt that they could not pay it off, that they %26quot;purged%26quot; the towns of the sinful Jews (thus clearing their financial debt by having the person they owed money to killed).

Christians, is debt a sin?

It%26#039;s a sin if you have no intention of paying, and you%26#039;re causing the debtor to suffer unduly. Ideally, we should owe no one anything but our compassion and charity.

Christians, is debt a sin?

No it%26#039;s not a sin.

Christians, is debt a sin?

ur question is a sin.

How can I be losing money by working? Please help look if my wage of living is correct?

Offer: 38,500 Salary

(18.50/hr)

(740/week)

(3,200/month)

Salary Tax: 7,700 閳?11,550 (20%-30%)

~ Total: 30,800 - 26,950

--------------------------------------...

26,950 Salary (minus tax)

-15,600: 1,300 閳?1,500 * 12 months (Rent in Encino, CA)

-1,380: 115 * 12 months (Utilities)

-1,776.00: 37.00 * 4 weeks *12 months (Transportation)

-6,720: 140 * 4 weeks * 12 months (Food)

(Subtotal: 1474)

- 2,400: 50 * 4 weeks * 12 months (Miscellaneous)

- 1700/year (Full Coverage Insurance with Accident Record)

- 1800: 150 * 12 months (School Loans)

= NEGATIVE 4,426

I would be owing $4,426 for WORKING? Doesn%26#039;t make sense. Someone help!

How can I be losing money by working? Please help look if my wage of living is correct?

Looks like you need to eat less and get a roommate.

The middle class is fading, watch it go!

Sucks being a grown up, doesn%26#039;t it.

How can I be losing money by working? Please help look if my wage of living is correct?

It is called living beyond your means. First look at your taxes they seem high but CA has a state tax so could be true. Your rent is way to high for your income and you should be able to cut your food and misc back. I would suggest either a second job or a roommate unless you want to live on little food and going nowhere. You have left out major expenses like 401K, emergency fund saving, renters insurance, vacations, gifts.

Try for a better job since you have student loans you should be able to earn a living, if not find a second job until you improve job skills.

How can I be losing money by working? Please help look if my wage of living is correct?

You%26#039;d be making $38,500 less taxes for working. You%26#039;d be losing $4426 by living beyond your income and spending more than you make. That won%26#039;t work for long. You need to spend less, or find a way to make more like a second job.

Affording the cost of living?

I%26#039;m a new graduate, and have started my dream job earning $44,000 a year, a lot from where i come from but not so much in NYC. I%26#039;m having problems budgeting and figuring out how much i can honestly afford to pay in rent here. I only think i can handle $800 or $900 a month, but all my coworkers pay about $1,100 -1,200 for studios and one bedrooms. With all other housing bills, what is the amount of rent I should be able to pay AND not starve and still have somewhat of a life? HELP

I don%26#039;t have school loans to pay and only $4000 in credit card expenses. I CANNOT HAVE A ROOM MATE UNDER ANY CIRCUMSTANCES!!!!

Affording the cost of living?

If you don%26#039;t have a car and survive almost entirely on the subway (NY subway is amazing!), you should be ok on $1,200 rent.

Here is my estimation of your budget:

Federal Tax: $6,500

State Tax: $2,200

Social Sec %26amp; Medicare: $3,200

Rent: $14,400

Utilities: $3,000

Subway: $1,000

Credit Card Payment: $2,000

Food: $5,000

TOTAL: $37,300

That leaves you $4,700 to play around with. It won%26#039;t be a glamorous life for sure, but you%26#039;re doing better than some... and remember, your income goes up with age/experience. So you%26#039;ll be better off in the future. If these are the poorest years of your life, you%26#039;ll do just fine.

Congratulations on landing your dream job!! Do what you can to increase your income while still doing what you love. That will be crucial if you want to start saving within the next few years for retirement. And any expenses you can minimize will simply add that much money to your excess money to be used however you want. So find ways to cut costs.

Best of luck in NYC! It can be a tough town.

Edit to add: And I fully understand the NO ROOM MATE clause. For some that%26#039;s simply not an option. Although I%26#039;ll just pose this question to you: If I offered you $6,000/year to share an apartment rather than have your own smaller apartment, would you take it? When thinking about it in those terms, many people change their mind. However, it%26#039;s totally ok if you don%26#039;t, I%26#039;m just making sure you realize the choice.

Affording the cost of living?

It will totally depend on what other debts you have. How much do you want to put into savings? How much to do you want to spend on food? Cab fares or car payments and fuel? The size of your apartment will also determine how much your utilities will be. A bigger apartment will cost more to heat. All that needs to be figured. However, my husband makes less money than you do and we would easily be able to afford a $1100 or $1200 rent payment if he made that much.

Help I'm buying a car!?

I%26#039;m having such a hard time buying a car, I%26#039;m 22 years old I have a fairly good job- I%26#039;m not in debt (other than my school loans)and I manage my bills- my question is should I buck down and try to get financed on a car? I%26#039;m afraid the full coverage and the monthly payments would kill me I%26#039;m looking for a decent car for the winter and something good on gas.

Help I%26#039;m buying a car!?

There%26#039;s an old addage in the credit world... you%26#039;ve got to use credit to get credit. A car loan is the one and only loan that you really have to keep on top of. Although some people say that it%26#039;s harder to get a loan for a house, that%26#039;s an urban myth. Look at it this way... when is the last time someone parked their house in a buddy%26#039;s garage to keep it from getting repossessed. Don%26#039;t bite off more than you can chew, but if you can find a car that the payment and insurance will fit into your budget, you%26#039;ll be building credit for the rest of your life.

Help I%26#039;m buying a car!?

Time to join the real world. Car payments are unfortunatelly just a part of life. The other post is right, good installment credit (like a car loan) will do nothing but help you. With this being your first loan, your rate will be a little higher than normal so look at entry level cars or a nice used one. Good Luck

Help I%26#039;m buying a car!?

Save you money and buy the car outright. So the only thing you be paying for is Liability Insurance on the car. Its alot cheaper than any car note.

Good Luck

Recommended Mortgage Brokers in Michigan...?

I am a first time home buyer, not looking to put any money down (because I don%26#039;t have much). But I do have good salary, minimal debt (aside from law school loans) and average credit. I want a really good company that will allow me to take advantage of my first time buyer status. I hear that Rock Financial is good. But my nerves are really wrecked right now and I want %26quot;good%26quot; over %26quot;popular name.%26quot; If they are good, then I will try them. What about Lending Tree? Or my credit union? Just too many choices!!

And what do I look for in a good broker?

Please let me me know any recommendations that you may have in the metro Detroit area. Thanks!

Recommended Mortgage Brokers in Michigan...?

Well considering the market these days, you definitely will have a lot to choose from and should be able to crack a deal on your terms.

As for who to use, my mortgage guy was great and was recommended by a family member who use to sell real estate. His name is Mark Bowers and he works for Community Bank of Dearborn, which is located in Dearborn on Michigan Ave. He spent time educating us and encouraged us to not fall for a gimmick like %26quot;get a $200000.00 loan for $500.00 a month%26quot;. Alot of my friends fell for gimmicks, spent more than they could afford and now are filing bankruptcy because of the market and job loss. ARM loans are tricky because eventually the terms change.

Also don%26#039;t believe the adage that a house is an investment that you will be able to profit from - that type of housing market is non-existent right now and it will take 5 to 10 years before the local economy starts to bounce back.

Owning a house is expensive, underbuy so that you can afford to live on less than you make. Plus you will be amazed how much money a house will consume and most of that you will never make back in a return.

Be careful you will be approved for a lot more than you can spend, don%26#039;t get caught up in bigger is better. Also I would encourage you to see a budget specialist who will help you figure out how much you can truly afford. If you belong to a credit union like DFCU they offer that service for free.

Good luck to you.

Recommended Mortgage Brokers in Michigan...?

I would recommend a bank or credit union over a mortgage broker. Many states do not regulate mortgage brokers, and brokers recently took a lot of heat in the press over some of their practices. Most brokers are honest people, but there are enough bad ones out there to make me pause before using one.

As a closing attorney, I often saw brokers steer buyers to the mortgage that will earn the broker the best commission, not the mortgage that is best for the buyer. Buyers ended up paying higher interest than they would have if they had used their local banks. Another common practice was switching a fixed rate mortgage for an adjustable rate mortgage at closing. The buyers applied for and were approved for a fixed mortgage. However, when they sat at the closing table, the buyers were asked to sign a rider that changed the mortgage from a fixed rate to an adjustable rate. If the buyers refused to sign, then the mortgage company refused to fund the purchase. This type of scam always resulted with a mortgage broker; I never witnessed same when someone used their local bank.

Ask any closing agents or real estate attorneys you know about who is easy to work with in your area. Generally, brokers or lenders who the title professionals found difficult to work with were the same ones who ripped-off their clients. Additionally, those who were easy to get along with usually took care of their clients. The same held true for real estate brokers and agents, as well as surveyors and appraisers.

Another thing to consider is the trend of home prices in Detroit. If prices are falling, then buying now could be a bad idea. You could end up with a house and mortgage worth less than what you paid, or even less than what you owe. That will make it even harder for you to sell the house when that time comes because you - not the buyer - will have to pay the difference between the sales price and what you owe.

Also, since your only debt is law school loans, I assume you are an attorney or will be soon. If you see anything suspicious, then report it to the proper regulatory body. I did that for years and was always ignored. However, the FBI, the IRS, and several Florida agencies are now investigating all the fraud that took place in Florida. Anyone connected to the real estate industry is now under investigation. I was informed I was cleared early due to my reporting the fraud I witnessed. The investigators are especially targetting attorneys. Since we cannot claim that we were unaware of the law, we make easy targets. One attonrey is now in federal prison and another is waiting trial The investigations just began.

Finally, some general advice:

- Insist upon having the appraiser certify the appraisal to you. That way, if the appraisal is over valued, you can sue the appraiser.

- Have a %26quot;mail out closing%26quot; - one where the closing agent sends you the documents to sign. Insist you have court/a deposition/anything to avoid physically appearing to close. This will give you time to read everything and allow you to spot if someone has inserted documents that fundamentally change the terms of your deal. Trust me, you will need the time.

- If possible, get a %26quot;non-recourse loan.%26quot; If you are foreclosed upon, the lender generally cannot go after you for the difference in the house%26#039;s value and the amount owed on the mortgage.

-

Recommended Mortgage Brokers in Michigan...?

I would suggest Flagstar Bank. They are pretty fair and really helped me and my wife with our first home.

Recommended Mortgage Brokers in Michigan...?

I work for Quicken Loans and Rock Financial, so I guess my answer will be a bit biased. Rock Financial didn%26#039;t get to be Michigan%26#039;s largest mortgage company by just having a popular name. We are good at we do and we take care of our customers.

That said, I%26#039;m going to tell you what I tell most people I talk to about mortgages. Whether you go with a broker, a mortgage company or a credit union isn%26#039;t really all that important. What is important is that you trust the person you are working with and they are reputable. Get referrals from friends, family, coworkers, etc. If someone was did a good job with people you know, chances are they%26#039;ll do a good job with you.

That%26#039;s one of the main reasons Rock Financial and Quicken Loans are doing so well. We thrive on referrals. Most of our mortgage professionals get a substantial part of their business from referrals. It%26#039;s the simple and time-tested tradition of word of mouth. If you like someone, you tell your friends and they use that person.

To answer your question about what to look for in a good broker, that%26#039;s easy. Honesty. Make sure whoever you choose goes over every possible option you have as a first-time home buyer. And make sure they are upfront and honest about any fees, closing costs, points etc.

A good mortgage professional will present different scenarios based on loan types (fixed rate vs. adjustable rate), how much down payment you have, etc. Make sure you go over how much taxes will be, whether or not you%26#039;ll have to pay private mortgage insurance, whether buying points on your loan makes sense. In other words, a good mortgage professional should be your partner, not just a vendor selling you something.

Since you are a first-time home buyer, I%26#039;ve included a link to Quicken Loans First-Time Home Buyer%26#039;s Guide. It contains a lot of great information that will help you make the best decisions when buying your first home, regardless of who you choose to get a mortgage with.

And just in case you are wondering, Quicken Loans and Rock Financial are basically the same company. We are just known locally in Michigan as Rock Financial and nationally as Quicken Loans.

And I%26#039;m not so sure I would take the other answerers%26#039; advice and wait too long to buy a home based on dropping prices. Prices are pretty low right now in the Detroit metro area and you can a lot of house for the money. I%26#039;m planning to move this year, I can tell you that.

Good luck with your first home!

Recommended Mortgage Brokers in Michigan...?

Stay away from Ameriquest

I used Rock Financial

the free gifts after closing for one year left overwhelmed and the service was unbeleivable

Dellorso, Chris [Edit]

ChristopherDellorso@rockfinancial.com

they are honest and upfront and straightened out my life with student loans

Recommended Mortgage Brokers in Michigan...?

You really need to stick to a reputable company There are institutions like Rock that push short arms pay as you go, These practices are PREDATORY! all the people that are here in yahoo that blend into the askers question that claim to be expert should be taken at face value. I myself use flag star because they are affiliated with major banking another good choice is Lasalle or any other major bane mortgage affiliation is my belief the only way to go.

Recommended Mortgage Brokers in Michigan...?

I recommend CitiFinancial or People%26#039;s Trust Credit Union. They are both friendly and gve you plenty of time to pay your loans. Also, there bot a cooperative group of Mortgage officers.

Help...any advice?

What should I do?

I have been with my boyfriend for over 3 years, we have a 5 month old baby girl. He is an awesome daddy, and a great guy, however...I feel like I am doing it all. Working, cleaning, paying bills buying groceries, paying for daycare etc. He tries to help when he can but he has a lot of bills topay such as insurance,car, and school loans so he can never really throw too much to help me. I know he feels bad about it but it is just wearing me out and I feel it is so not fair that I should have to do this....I don%26#039;t make that much either. I love him and I don%26#039;t know what to do, I%26#039;m thinking about moving back home with my mom for a little while I just feel bad taking his daughter away, my mom lives 2 hours away. Any advice for me?

Help...any advice?

I think you need to sit down and talk to him if this is the only problem you can figure out ways to cut expenses and even if he cant help money wise he can help with the laundry and the cleaning and etc all of those things are worth your time too. If you want to be with him you just need to rebond.

Plus he may be covering some expenses youre not aware of how much they add up such as if he buys formuls every once in awhile or pays a dr bill or whatever. Also I know noone likes to do this but desperate times call for desperate measures maybe you qualify for state health insurance or child care assistance, theres nothing wrong with asking for help every once in awhile.

Help...any advice?

why don%26#039;t you sit down and talk with him. Maybe you guys could set up some sort of budget or something

Help...any advice?

You gotta do what%26#039;s best for you and your child. If he can%26#039;t help provide than maybe you need some time apart for you both to get it together. You can do bad all by yourself.

Help...any advice?

then how is he a great daddy if he dosent help you?

Help...any advice?

Really, that%26#039;s the role we as women play. Especially when children are involved. We tend to do it all. If you leave what would it solve? Seems you%26#039;d be adding another problem.

Sit down with boyfriend and talk to him about how you%26#039;re feeling and what you need from him. I%26#039;m sure he%26#039;d be more than happy to figure out a way to fix things.

Best wishes.

Help...any advice?

Who would pay his rent if you moved out and how would it be helping? You guys need to sit down and create a budget that is fair. You shouldn%26#039;t be footing the bill for all of daycare and you shouldn%26#039;t be paying 100% of the mutual bills- regardless of what his bills are.

Communication is the only way to solve this

Help...any advice?

try to talk to him... sometimes a short break can be the best. you know, if he really loves you anad your baby he%26#039;ll try to do something to fix it, something to try to understand your point of view. you just gotta remember to also view the problems in different ways, think of that also, maybe he also feels sad or bad about certain things so i think you should really talk seriously with him

Help...any advice?

If he is truly doing everything he can, then work it out with him, sit him down and tell him how you feel!

Help...any advice?

I have the same problem. Sometimes I feel we women haven gotten equal rights that we fought for, the men are just humering us, now we have to do it ALL. we do so much more. My husband helps out with the cooking and shopping but doesnt do much else untill I start getting overloaded and complain. y husband seems to be addicted to the computer, thats my biggest problem. anyway, talk to your bf and tell him how you feel and suggest to him that it may be better for you at moms, see what he says.

Help...any advice?

If you love him, then find a baby sitter. Both of you take a day off from work. Do not do do anything except talk.

Can some break down on how to live on a 30000 salary?

Expenses:

-1700/year (full coverage insurance for new car %26amp; I have accident record) --- Do I need full coverage for new car or is there a better deal?

- 1800: 150 * 12 months (School Loans)

- 648: 57 * 12 months (2 year contract cell plan) -- not willing to cancel plan because I want to always keep my original number.

How much should rent, utilities, food, miscellaneous (medical, car maintenance, etc), %26amp; gas cost?

My gas almost $40 per complete fill.

Any advice would help!! I really appreciate it -- I%26#039;m moving/getting kicked out of my parents house with no help.

Can some break down on how to live on a 30000 salary?

Well, you didn%26#039;t say where you live, but in San Diego, you can get a small one bedroom apt and pay for utilities with $1000 a month. As for food and gas, you can easily get by with $500 a month, if it%26#039;s just you that you%26#039;re paying for, depending on how far you work, and how much you%26#039;re willing to go grocery shopping and eat at home.

Can some break down on how to live on a 30000 salary?

Here is how to start....

First gather all your bill and know how much you need to pay every month, that also including credit card bills. With credit card, you need to include the higher of minimum due OR the month interest accrued. Don%26#039;t forget the auto insurance or any other insurance (or let%26#039;s just say things you pay every six months or annually), and find the monthly amount for those bills. As for groceries and gasoline, you will need to start to see how much you need every month by tracking your spending. Now you are ready to total all the monthly amount required. Second, take your take home pay (after tax), and starting to subtract all the bills need to be pay. I hope is not a negative number. Okay, if you still have 15% of your income left, that is good. That means you live within your means. Save up all the 15% to a savings account. If you like to save even more than 15% of you take home pay, or you are negative after you deduct everything, start review your bills. Maybe your cell phone plan can cut down to $35 a month instead of $150 a month. Start to cut down the unnecessary stuffs. Start tracking your spending and know where your money is. If you owe more than one credit card, start paying off by focus on the highest interest rate first.

After you get a grasp of how to budget, start to look at bigger picture and focus on paying off your debts. Such as credit card debts...

Can some break down on how to live on a 30000 salary?

I think you can make that work. Here is my best go at it (by the way, I%26#039;ve helped all my brothers and sisters move out and set up budgets and stuff):

MONTHLY BUDGET

Rent/Mortgage ------------------ 1,300

Cell Phone ------------------------ 57

Car Insurance ------------------- 142

Car Registration ---------------- 15

Health Insurance ---------------- 200

Utilities ---------------------------- 100

Gas and Oil Changes--------- 100

Vacation -------------------------- 80

Clothes/Hair/Other Personal-40

Food ----------------------------- 125

Gifts -------------------------------- 30

Home Improvement ------------ 25

Entertainment -------------------- 25

Doctor and Medicine ---------- 50

Auto Repairs --------------------- 60

Dentist ----------------------------- 70

Christmas Gifts ----------------- 15

RANDOMS ----------------------- 50

That%26#039;s my best guess, and of course I don%26#039;t really know you, and you may want some more and some less. There%26#039;s also about 30 left that you can add somewhere else.

My advise to you is to divide which parts of that budget are the ones that you will be tempted to overspend on (mine are going out to eat, entertainment, clothes . . .) and the ones that you would never be tempted to overspend on (mortgage/rent, car payment, insurance . . . ).

Then add up the safe (like mortgage/rent) ones, and make sure you have that much in your bank account at the beginning of every month. You use your checks and debit cards for these ones.

Then get an envelope for each temptation spending one (like clothes), and write (in pencil because you%26#039;ll no doubt need to make adjustments) the amount you want to spend every month on it.

Get cash and fill up each envelope at the beginning of each month. Then you only use your debit cards and checks for the bank account ones, and spend cash (from your enveloped) on the other stuff.

It%26#039;s nice because you don%26#039;t have to keep track of all your spending, but it makes sure you don%26#039;t overspend. Just make sure you also make a %26quot;RANDOM%26quot; envelope for when you run out of one envelope early.

When your envelopes run out, you just have to wait till the next month before you fill them up again. I%26#039;ve been doing it for about 4 years now, and it%26#039;s worked really well. The most important part is to ONLY use your cards and checks for the non-overspend parts in your budget.

I hope this helps. Good luck!

Can some break down on how to live on a 30000 salary?

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Egg donation?

How do you feel about egg donation? I am thinking of donating some of my eggs to a couple across the US who are unable to use the wife%26#039;s eggs to have a baby. So, what is your moral stance on it? Is it odd that I would have a child growing up with another couple who will never know me? (I wouldn%26#039;t carry the pregnancy, she will do that) Is it a nice thing to do or too complicated? I would have nothing to do with the child, no conatact at all. Also, should I take the $7,000 for the eggs or do it as a gift? I could use the money to pay off school loans, but I%26#039;m not sure if it would be like selling a kid. Seems creepy to say it like that. See how complicated it is?? Has anyone done this before? Was the procedure painful? Was it difficult emotionally? Did you take financial compensation? Tell me your personal experiences please, not a list of helpful websites. I have looked at them all. Thanks.

Egg donation?

Make sure in your heart first that you can do this. And live your life untroubled...It is the most awesome gift for a couple whom would never be able to share the gift of life...Or the raising and smiles of a child without someone like you.

You are a great person if or if not you do this. It%26#039;s not for everyone...There are people you can find on your own...They would let you visit,send photo%26#039;s up date%26#039;s so to speak...

Most all women take compensation...There is alot to be compensated for shots , meds you would not normally have,retrieval..Not so hot ...But do able..And your gas ,time,ect...The gift of life.

No one will be able to tell you ya or nay....Only you have the answers that your seeking...

I wish you much luck!! If this is not for you back out .You can always change your mind!! They will find someone else. They will keep going.Make sure in your heart first....You should always come first. Don%26#039;t lose yourself to give this gift!!

Good-Luck :) sparksgirlsX6@yahoo.com...If you need to talk more.

Egg donation?

Maybe some people just weren%26#039;t meant to get pregnant. Perhaps it is too risky for their bodies. There are so many children in the world waiting to get adopted into loving families that I wonder why it is so important to some people to go through all of these %26quot;Frankenstein%26quot; procedures. Personally, I think it%26#039;s creepy, but I wouldn%26#039;t try to stop someone from doing it if that%26#039;s what they wanted to do.

Egg donation?

I have never donated my eggs; but I want you to ask yourself this question... Do you really think that you would have nothing to do with this child? Maybe one day, this child will be told the truth of how she was brought into this world, then this grown person will find you and you life will never be the same after that. If YOU want to have children someday, how would they feel when they find out, years later, they have a sibling out there, somewhere. You must think in terms of the %26quot;long run%26quot;. What are the consequences of your decision? Could you really turn away your flesh and blood when he/she finds you 20 years from now? I guess I%26#039;ve seen too many movies, TV shows and talk shows about this subject, because it seems they all turn out the same way. Your past comes back to bite you in the butt. Be sure of your decision before you just give it all away.

Egg donation?

http://www.health.state.ny.us/community/...

I know I would love to be a surrogate mother, but I could never give away my eggs. There%26#039;s something different about it to me, because it%26#039;s actually my baby. If I%26#039;m a surrogate I just carry someone else%26#039;s baby. I think if you put yourself through all of that for someone you don%26#039;t know it is perfectly fine for you to take money. You are giving them a piece of you, there is no price for that. I don%26#039;t have a personal experience with egg donation, but I know if I were having troubles concieving I would want someone to donate their eggs to me. It sounds horrible, but I don%26#039;t know if I could do it for someone else. I%26#039;d think about everything hard before you make your decision. Sorry I couldn%26#039;t be of more help.

Egg donation?

As a woman who has yet to have children (but wants a couple in the future at some point), I think egg donation is a great thing.

My logic is this: if you can help someone have a child that they will love %26amp; adore, why not help them? Every month when you ovulate, the egg dissolves %26amp; is destroyed. Why not put a few to good use?

As for the religious idea of it: think of this, all children are really on loan from God, they don%26#039;t even really belong to us. We just provide a way for them to come to earth. So in this context, there is no problem in helping someone be able to raise a child.

The past fews months I have been having cycle problems %26amp; was scared of the possibilities. I was discussing this w/ my sister %26amp; she offered to let me have some eggs if I need them. Her exact words were this,%26quot;why not, they just get wasted most months anyway.%26quot; (she is currently awaiting the very soon birth of her third child) Luckily, everything is sorted out %26amp; the problem has been resolved. It was still nice knowing that I had a possibility of another way to have a child.

This is so not like selling a child. There is a reason it is called egg donation. The money needs to cover medical procedures %26amp; other expenses. Compensation for your time is a good thing. From what I know about a friend%26#039;s egg harvesting: she had to be on hormones %26amp; fertility treatments to stimulate the ovaries to have a number of eggs ready to be removed. The hormone treatments were not fun because she was really moody.

It is a serious decision %26amp; one you need to ponder like you are. If you are not truly comfortable w/ the idea, don%26#039;t do it. If you are comfortable %26amp; can let go of thinking there is a child running around who may look like you, it will be an amazing gift to give to someone who truly desires to have a child. Just thinking about it, it seems much easier that adopting to let go. You didn%26#039;t carry a child for 9 months. Egg donation is quite simple in comparison.

Be prayerful about your decision %26amp; you will make the correct choice.

Good luck!

What makes you say "I wish I knew then what I know now"?

I am 22, and would like some old wise owl information on saving money, credit cards, school loans. Any financial help since time is on my side. So what should I do now to secure financial health later?

What makes you say %26quot;I wish I knew then what I know now%26quot;?

I agree with engineer. Starting a savings plan at a young age, and having the will power not to touch it. I once calculated what I%26#039;d have now if I%26#039;d started saving a small amount each month at 21; I%26#039;d be financially secure for my entire old age.

Credit cards are only for emergencies, and for situations where it is required (renting a car, etc.). If you don%26#039;t have the cash, you can%26#039;t afford it.

Don%26#039;t be seduced by the %26quot;new car smell;%26quot; getting used cars is fine. Don%26#039;t get the latest electronic trend; its price will drop precipitously in a year or so.

Only use student loan money for necessities; don%26#039;t be fooled into thinking it%26#039;s %26quot;mad money.%26quot; Start paying it back immediately upon graduation.

What makes you say %26quot;I wish I knew then what I know now%26quot;?

The importance of early, regular investing.

What makes you say %26quot;I wish I knew then what I know now%26quot;?

It%26#039;s never too early to start saving for retirement. Max out 401K if your employer offers it, and an IRA.

Live below your means and keep a nice cushion of funds in a savings account.

My wife wants to put her name on the deed to my home - Thorough details?

I came into the marriage with the home, and all (yes, all) of the assets. She came into the marriage with only debt. I paid off her credit card debt, and she was still working off her nursing school loans. We%26#039;ve now been married for 16 months, and in that time she has spent most of my original savings, and has not contributed to the family/ household bills one dollar. I am not exaggerating. I have not been able to save anything as I%26#039;ve had to pay my bills, her bills, and watch the savings diminish as she has (and admittedly to an extent we have) spent it all. She has never considered this %26quot;our%26quot; home, so she feels that I should be responsible for the bills and mortgage. Now, we are separated and for her to consider moving back in, she wants the security of knowing her name is on the deed to the home. I do not feel safe with that, and no, do not trust her the way she went through the savings I brought into the marriage and the attitude she has had about it.

My wife wants to put her name on the deed to my home - Thorough details?

You realize you didn%26#039;t actually ask a question, right?

Furthermore, you left out an extremely significant detail: why are you separated?

My wife wants to put her name on the deed to my home - Thorough details?

It is but natural,she is looking for her security,what is the harm in adding her name in deed ?

My wife wants to put her name on the deed to my home - Thorough details?

Do NOT put her name on the deed to the home. If you do, it would become just as much hers as yours even though you are the one who actually paid the bills, it is your greatest asset.

It does not sound like the marriage is stable in the first place. If she is holding her name on the deed as a condition of moving back in, kick her to the curb. You need someone with the same values and sense of responsibility that you have. Otherwise, her name on the deed will eventually lead to a protracted and ugly property settlement when you finally split up for good and you will have to sell the house to satisfy the divorce court.

My wife wants to put her name on the deed to my home - Thorough details?

first off you should have known that she was financially irresponsible before you married her based on the unpaid debt that she had accumulated.

second off, do not under any circumstances put her name on your house title.

If you do then you are a fool and you deserve whatever misfortune befalls you.

The woman is a gold digger plain and simple.

My wife wants to put her name on the deed to my home - Thorough details?

I%26#039;m pretty sure that even if her name isn%26#039;t on the deed she is still able to get 50% of the assets in the event of a devorce. This is why prenumptuals are sometimes in place. But who want%26#039;s to be in a marriage where you have to worry about those sort of thing%26#039;s thats not how it was intended to be.. Sad situaltion, and I%26#039;m sure to some degree you have feeling%26#039;s for her maybe even think you love her. I would revaluate if this is all worth it to you. Before you allow her to move back in and possably have even more questions in the future. But I%26#039;m sorry I think your stuck out w/ your home. Do you live in a community property state?

My wife wants to put her name on the deed to my home - Thorough details?

Please do not put her name on the DEED. She sounds very manipulative. You already feel reservations about money situation, it will only escalate with time. It is apparent that you have different attitudes toward money. This is one single factor responsible for most of the divorces. You do not have kids (?), so you can get out of this relationship, forget about losses, and you will find someone more compatible. If you still feel attracted to her as a woman, believe me, it will pass, you will hate her a lot when you would be ordered by court to sell your house and divide money. All the love will turn into hate. She did not bring anything into the marriage and it was only short term. I do not think she will have her hands on your house. Talk to attorney and do not get back with her.

My wife wants to put her name on the deed to my home - Thorough details?

I totally agree with Carolina. If your wife really loves you, she will be back whether her name is on the deed or not.

My wife wants to put her name on the deed to my home - Thorough details?

Sorry to say, you should have gotten rid of her long ago.

Nice of you to pay her debts along with your own.. but you let her spend your savings!! How could you be so, ugh!

Not considering it her own home, the no need to be on the deed. No reason for her to have a piece of your property that she can%26#039;t afford.. looking for security or not no one should ever screw up someone elses finances.

My wife wants to put her name on the deed to my home - Thorough details?

She should feel the security in you alone. It%26#039;s not the clothes a man wears but; the man himself. Just say no, next she will want a different home. Stay alert you have her game down.

My wife wants to put her name on the deed to my home - Thorough details?

If you want to stay married to her then you%26#039;ll have to put her name on the deed to get her back. But that doesn%26#039;t guarantee she will stay with you.

I don%26#039;t think you should get back with her. Sounds like given her spending habits that you would be better off without her. Start talking to a lawyer on how to best protect yourself.

My wife wants to put her name on the deed to my home - Thorough details?

No. You are seperated. Let her go. You didn%26#039;t have an argument. You broke up. Mature people with high integrity don%26#039;t solve problems that way.

My wife wants to put her name on the deed to my home - Thorough details?

DON%26#039;T DO IT. I made a similar mistake and paid dearly for it. I went through the same sad tale of woe %26quot;it doesn%26#039;t feel like our home.%26quot; %26quot;I don%26#039;t feel comfortable.%26quot;

It%26#039;s about laying claim to the asset and nothing more. Putting her name on the deed won%26#039;t give her any piece-of-mind. It won%26#039;t suddenly %26quot;feel like%26quot; her home. All it does is give her claim to the asset. Trust me, you don%26#039;t want that.

BIG RED FLAG! BIG ONE!

I think right now in this country and abroad, marriage %26amp; having children is a scary proposition whether you live together or not.

Today, the divorce rate is so high due to no-fault divorce. If you have kids, for women - that means they hold all the cards. A man today has to realize that, love and %26quot;the dream%26quot; aside, the risks to men/fathers far outweigh the rewards. Check the source - some great books and other resources on just this issue.

Family court is tilted heavily in favor of women/mothers. Moms have all the rights, get all the benefits, and dad is too often relegated to a visitor in his children%26#039;s lives while being an ATM machine for mom. He can lose half (or more) of the cash, cars, house, investments, etc... and worse - the children.

Seriously, if I had known then what I know now about how the divorce machine sucks in fathers, grinds them up, and spits them out so unceremoniously, I would have never gotten married. I would have given up my dream of having a family.

With no-fault divorce (the biggest killer of marriage and families) you don%26#039;t need an excuse anymore to get a divorce. You just don%26#039;t have to feel like being married anymore - and with that reality comes the truth - a marriage is no longer a contract, so what%26#039;s the point except to put yourself and your future at risk when someone %26quot;doesn%26#039;t feel like it anymore?%26quot; With women (who have children) initiating almost 3/4 of divorces today (most men don%26#039;t even see it coming), it%26#039;s the smart man who chooses not to get married and certainly not have children... and that%26#039;s a shame.

This affects men, women, and children alike. It affects everyone and people need to wake up to that reality. I know that there are lousy men and lousy fathers in this world - but make no mistake - the are plenty of lousy women and lousy mothers in this world and we should all be treated the same way (good or bad) and that simply isn%26#039;t happening today.

Her history of mismanagement of funds and her using the deed to the house to extort you for her return is criminal behavior. She has little or no claim to the house right now if you divorce... keep it that way. The divorce is coming.

In fact, you should file for divorce now. Her motivations are quite clear.

Why can't I get a job?

age? I%26#039;m 53. not worked consistently last several years-been student. possible negative reference that I don%26#039;t list? no criminal record but had bankruptcy 2003. need $ to pay off school loans when time comes!

Why can%26#039;t I get a job?

Bankruptcy won%26#039;t be a detriment to you getting a job. Lack of effort will. If you had a job, you%26#039;d spend 8 or 9 hrs a day working. Spend 8 or 9 hrs a day looking for a job and you%26#039;ll surely find one.

Why can%26#039;t I get a job?

where are you looking? my mom had a hard time finding a job at that age because a lot of people thought she was over qualified. the economy is really bad right now though and a lot of jobs are being cut. try checking with your references and seeing if they have gotten calls from employers. And keep trying. apply everywhere. remember the saying %26quot;the more mud you throw at a wall, the more will stick.%26quot;

Why can%26#039;t I get a job?

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Why can%26#039;t I get a job?

It might be a combination of your age and your inconsistent work pattern.

It%26#039;s also just a really bad time to be job hunting right now. Companies are eliminating jobs right and left.

Keep at it! It takes a long time.

What are careers that are 'like' medicine?

I always wanted to be a physician or surgeon, but the amount of school/loans just make it not worth it. Not even counting my only %26#039;average%26#039; grades.

What are careers that are %26#039;like%26#039; medicine?

A Physicians Assistant (PA) is a great profession with a lot less school. A PA works under a doctor but does the same things a doctor does. A great part of being a PA is you can choose any area that interests you, so you could go into the surgery field, pediatrics and so on.

What are careers that are %26#039;like%26#039; medicine?

Vet science or science research (especially biomedical). But the bad news - these require good grades too

What are careers that are %26#039;like%26#039; medicine?

Are you looking for a career in the medical field that doesn%26#039;t require as much schooling as a physican? You can always look at careers such as nursing, medical assistant, med tech, social worker, physical therapy, chiropractor, pharmacy, etc. I like the above-poster%26#039;s veterninary recommendation. That is also an excellent career field.

Do some research and see what field interest you. You are the one that will have to figure that on your own!

What are careers that are %26#039;like%26#039; medicine?

Medical technicians and assistants work under (and with) specialty doctors, and with a 2-4 year degree you can have all the fun of surgical assisting in any number of medical fields! Even average grades can skyrocket when you%26#039;re really interested in the material! There are tons of these kinds of jobs and where licensure is absent, certification fills in the gap.

One more thing about the medical field... baby boomers are starting to retire, and guess what? They%26#039;ll move from being the caregiver to being the patients... and plenty of them!

Do you find yourself sterotyping people who wear glasses -- like you assume they'e a nerd or re

Growing up, I was extremely near-sighted, whereas my twin has 20/20. So naturally, I had to wear glasses.

Our entire lives when we hang out together the %26quot;intellects%26quot; instantly flock to me, even though my brother is way smarter than me (he went to princeton on a scholarship, i went to state college w/school loans. lol)

Seeing as how we both look alike, it%26#039;s GOT to be the glasses. My bro is just as well spoken as me and as an accountant that has travelled the world extensively, I believe he comes across much more refined than me.

I know i sterotype people -- I flip the channel when rap videos come on, but when I saw rapper Lupe Fiasco (he wears glasses) I was like, %26quot;Hmm...maybe I%26#039;ll give him a chance%26quot;. And yeah, I ended up loving him.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

That%26#039;s an interesting story....you liked a rapper with glasses. :-)

Well, I used to wear glasses/contacts until I had Lasik surgery done and I%26#039;ve seen this from both sides. I tend to stereotype people with glasses as smart. I especially find myself attracted to guys who have really cool glasses - like frameless ones, really delicate wire rims or the thick-framed artsy-fartsy (%26lt;-yeah, a technical term) looking ones.

On the other hand, I know that guys have written me off as dating material because I wore glasses. (shrug)

Glasses can be a blessing and a curse, I suppose.

Cheers.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

not at all

cuz i know some people who wear glasses are stupid as hell

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

look i know most ppl say nerys wear glasses but .. lolz my bro is geeek and he wear glasses :P

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

No, it%26#039;s more based on personalities.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

not nerd, not really reallly smart

but i think of them as people who have at least something smart to say =)

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

nope, i wear glasses from time to time :)

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

some times i do depending on what type of glasses he has on. If they are super thick. I get a little scared but if they fit their face i would talk.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

Everybody does.

But i try to catch myself and get to know them.

But when I see someone with glasses i dnt think anything.

Usually its how they dress or who the hang around.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

My ex wore glasses from the age of 3, and was always judged by them. He was/is quite intellectually brilliant, which had nothing to do with his bad eyesight.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

Well no Sweetie, I don%26#039;t personally assume people are smart because they wear glasses, I have to hear what they are saying and then see how they act first...

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

in general i think we all make assumptions about people by their looks... its just human nature..

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

I used to think this but I know lots of stupid people who wear glasses!

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

saddly yes

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

At first glance yes. Even my own daughter looks more smart and grown up in glasses.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

I dont think so, i wear glasses and i look even more stupid with them on then off =)

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

I do not stereotype sometime with people that wear glasses but i do stereotype (nerd:glasses short shorts hangs out with people that are %26quot;nerds%26quot;)

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

i see other people do it, but i never do. i used to wear glasses, and just think it%26#039;s a look.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

No, people who wear glasses arent smarter, because there is no need to wear glasses. You can do certain eye exercises which force the eyes to focus.

Glasses encourage eyes to weaken.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

not usually, because I wear glasses myself. But people always tell me I look like an innocent librarian, when they get to know me they are usually surprised.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

The only stereotype I have about people with glasses is that they have some kind of vision problem so they need corrective lenses.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

well to be honest, ive always found men that wear glasses to be very sexy. Might be to do with the impression that they are more intelligent. No idea, but thats just my opinion

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

well it depends on the person, of course. some people look nerdy with or without glasses and some people don%26#039;t. i start to sterotype people with glasses sometimes, but then i look beyond that.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

absolutly homme g dude,i wear glasses and i am white, that doesn%26#039;t work in the wrong neighborhood were people all want there homework done for free.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

Yes, that was so sweet, how you gave him a chance. I wear glasses also and I have got use to them. I didn%26#039;t always, my sight was a lot better. I feel you are as smart as your brother.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

I absolutely hate stereotype. Sooo naturally I am not going to stereotype people. Stereotypes are WRONG and I dont believe in them. If I see a guy with glasses I dont automatically think %26quot;oh he wears glasses so he must be a dork and not have a girlfriend%26quot; Noooooo thats wrong and stupid it just means the persons vision is f%26#039;ked up. Or if I see a arab person I dont think %26quot;oh hes gonna blow something up%26quot; Dumb again. We need to get over stereotypes.

Do you find yourself sterotyping people who wear glasses -- like you assume they%26#039;e a nerd or really smart?

yeah

and i wear them

we are steryotype at some point, its just in our nature to do things like that