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Saturday, October 31, 2009

I want to live alone?

I am attending college right now and working two jobs I am going to apply for an apartment with my 6 months old son and have negative and positive things on my credit history? I have 3 negative thing and 4 positive things. The negative things are from when I was a minor and my mother messed things up for me and i care about her to much to report it and the positive things are from school loans. What are the chances that I will get accepted to an apartment?

I want to live alone?

You can dipute it with the 3 major credit companys, your mom wont get into trouble. Just let then know that those accounts were opened when you were a minor and didnt know how they were opened. They will most likely drop it from your credit report.

I want to live alone?

you dont know if you dont try

I want to live alone?

I would discuss the situation with the person at the apartment complex who is in charge of leasing. If you don%26#039;t give them an explanation of the past circumstances, then the only information they can make a decision on, is from what they receive from the credit check.

I want to live alone?

I think it depends on how long ago the negative things were on the report and what you have done about them since.

I want to live alone?

You want to live alone!

It is a impossible in this world.

You must choose some one that can suggest you,

help you, and morally support you.

I want to live alone?

that%26#039;s mess up how the system work in this country, but I think u need to try to apply first they %26#039;ll tell u exactely what u need. and most of the cases like yours, they request for co-sign sombody who has a good credit will sign the lease on ur behalf for the first time only.

good luck.

Is there such a thing as free government money?

you read where you can get free government money to payoff school loans or what have you.....do these really exist? where there is no paying for the information?

Is there such a thing as free government money?

Go to the Government Grant site. Its a good place to start. Then check your local library. If there are grants out there like that, they won%26#039;t be easy to find. Most of the time, when you buy those books and things you are paying someone to do your research. But I personally know someone who received enough grants to almost finish their master%26#039;s degree. She spent about a year of filling out forms, writing papers etc. Not all were government grants, she found she private grant money that way too.

BUT never, ever pay for this information. At the least the information is free to anybody willing to put in the effort.

Is there such a thing as free government money?

Beware - be very careful; anytime you see the word %26#039;FREE%26#039; there%26#039;s always a catch to it.

Is there such a thing as free government money?

The government had to get it from somewhere, so no, it%26#039;s not free.

Anybody fimiliar with the FAFSA application?

WB12. Money received, or paid on the student%26#039;s behalf (e.g., bills), not reported elsewhere on this form.-----------------

im over 24 so im indepentent status

but to this question

my mom has been paying back my old school loans

and i live with my dad and he claimed me on his taxes

so am i expected to put an amount there for that?

Anybody fimiliar with the FAFSA application?

Yes, you answer that. If someone is paying your bills for you, car insurance, car payment, student loans, any number of things that are your responsiblity, you are suppose to list that. It wants the total amount for the year, not the monthly amount.

Anybody fimiliar with the FAFSA application?

See below:

What acts like a 401K - where I can be in control of the money?

Something about the idea that my cash is locked until I%26#039;m an old man is unsettling.

Quick financial brief -

I try to save about 20% of my bi-monthly cheques. But the effort seems futile as I have about 15K of school loans I%26#039;m trying to pay back.

If I save 20% - Couldn%26#039;t I put that into an account that acts sort of like a 401K but I%26#039;m in control of how much money I can put in... how often I put it in... when I take it out (not that I will).

Or am I missing something about the 401K? My company doesn%26#039;t match at this time.

What acts like a 401K - where I can be in control of the money?

agreed with Shane. roth is a good option assuming you meet the eligibility requirements

What acts like a 401K - where I can be in control of the money?

Go with a Roth IRA. It%26#039;s after-tax dollars, which is good if you plan on having a higher salary in the future. You choose what to invest in (stocks, bonds, etc etc) and you only pay a penalty for taking out your earned interest early.

You can only contribute 5000 a year, but you can contribute 4000 for the year 2007 if you do it by April 15...so you can put up to 9000 in it today.

Check out vanguard, they have good IRAs.

What acts like a 401K - where I can be in control of the money?

You could also contribute to your personal Traditional IRA or a Roth IRA (the roth contributions do vary by what you claim for income). IRA or Individual Retirement Account, places the owner in control, not your company. Currently the 2008 contribution limits state that if your under 50 you can contribute $5,000 a year into the IRA%26#039;s and if your over 50 you can contribute an extra $1,000 catch-up.

The traditional IRA is similar to your 401(k). It involves pre-tax money, you get a tax deduction, grows tax deferred, and when you retire and begin taking the money out is when it is taxed.

The roth IRA is similar yet different. It involves AFTER-tax money, NO tax deduction, however it grows with its gains tax deferred and when you take the money out it is tax FREE.

Hope that helps

What acts like a 401K - where I can be in control of the money?

if 20% of your income is over $5000 then you are limited to the 401k. Part of the benefits of the 401k is the larger contribution limits (currently significantly higher at $15,500.) In return for putting away larger amounts then allowable in an IRA you (the investor) have to give up certain rights such as the ability to take a distribution when you want. If you don%26#039;t want to give up that right then you can always put money into an IRA. All about short term headaches in order to reap long term benefits.

What acts like a 401K - where I can be in control of the money?

I agree with above people about IRA options. I love the idea of roth IRA as you deposit money after tax and the money grows tax free. You don%26#039;t pay tax on the interest earned. This is really great if you are young and the money you put in is going to grow and grow until you retire.

As someone who has 25 K in student loans I hear your concerns. If you haven%26#039;t already you need to consolidate your loans into a fixed rate. I have 20K in a 3% loan and 5K in a 6% loan. So I am trying to pay off the smaller higher interest loan with a little extra money every month. I have been told many times not to worry about my student loans cause the interest rates are very low.

I would make sure you have some liquid assets and all your savings is not going into your 401K especially if employer is not matching. Put some in a high interest savings account or something you can if you have an emergency or something.

What's the quickest way to get out of debt?

I have a good handle on my credit and a good score at 750 but I have almost 7K on a credit card at 7% interest (fixed) that I would love to get rid of and put that money towards paying my car off (about 8k to go). I recently purchased a home in Nov %26#039;07 and now trying to renovate. I have school loans at about 20k also... I plan to use my tax refund to pay off another card that has a 2k balance.