What do I do about this bill collector?

On November 8th 2007 I moved out of the apartments that I was living in. I filled out the written 30 day notice to vacate on October 2nd and also gave a check that included October%26#039;s rent and rent through November 8th. On the 8th I moved out and returned my keys.

Now, about a month ago, I got a call from a collector saying I owe $800 to that complex because I abandoned my apartment and they found it empty one December 12th!

So I called the complex to find out that a few days after I moved, they switched owners and lost all my paperwork, there was no evidence of me signing a 30 day notice, or a receipt of payment. They told me to call my bank and get a copy of the check I had given them for the last months rent.

So I called my bank, paid for a copy of the check, and went in person to give it to them. They said they would take care of it.

Today the same collector called. He said that the matter is unresolved and they put the $800 on my credit report, and are filing papers to sue me!

What do I do about this bill collector?

If you still have a copy of the canceled checks, send a letter, 1 regular, 1 certified, with copies of the check stating that unless this matter is resolved within 10 days of this letter, you will file your own actions against them. If the certified letter comes back unsigned, do not open it because that%26#039;s your only proof the letter was sent. Make sure you make a copy of your letter.

What do I do about this bill collector?

You need to get in touch with a lawyer and explain the problem as well as possible to him or her. Make sure you explain to the lawyer about the stress that your under. But make sure you keep calling the ne owners until you are heard. Also write down all the time you called and whom you spoke with everytime you call. But don%26#039;t let furstration be the reason that you stop trying to get the answer you wanna hear. If all else fail call your local news and get them involved as well. Good luck.

What do I do about this bill collector?

I would call back and talk to that collector supervisor and tell him everything that you have told us and make copies of the Bank statement black out all accounting numbers and information on the bank statement and mail them the copies by certified mail so then you know the collectors company has the information and I would also go the extra step and get the apartment complex to write a letter on your behalf stating that they lost the paper work and hang on to and when it goes on to your report then you will have all the information to give to the credit agency and they will have the information removed.

Refinancing question?

My husband is a disabled vet. We recieved a letter in the mail telling us to refinance our house at a lower intrest rate. We have a va home loan. The guy we spoke with told us he would save us over $17,000 and have 2 months deferred payment. In january he told us not to make our payment because they had set the payoff amount for closing. January we did not close and we made our payment. Same thing in Feb we made our payment late do to them. and again we still have not closed. My huband is paid monthly and I take care of our 4 children. We will have to make our payment by the 30th if closing does not happen and he gets paid on the 1st. Anyway they are going to report it to credit do to this lender. Is there anyone we can report this to or are we out of luck? i am so stressed out I cant deal with this.

Refinancing question?

I would not risk my dood credit, simply so that someone does not have recalculate the amount at closing. If this is not a scam (sounds like someones trying to dupe you, and take your house), they will have to recalculate the amount anyway at closing, because the interest will increase.

Pay your payments on time, save your good credit, and confirm that this person is truly saving you this money before you close with him.

Anyone that tells someone not to make their payment for this time period, does NOT have your best interest in mind. I%26#039;d get a new lender

Refinancing question?

Sounds like a scam, like the saying goes %26quot;if it sounds too good to be true, it probably is%26quot; Did the guy get any personal information from you? If you have then I would check your credit report just to be safe. You can get one free each year

https://www.annualcreditreport.com/cra/i...

Report them to he Better Business Bureau.

http://welcome.bbb.org/

Refinancing question?

explain it to your current mortgage company and see if they can remove the hits. Always make payments as scheduled. If you over pay they will refund it to you. Next go find an honest person to refi your home and stop dealing with brokers.

Refinancing question?

I was once in your situation. Don%26#039;t worry, everything will work out for you =)

A year ago I found this organization that gives people up to $1500 in renter or mortagage assistance! They operate in most US cities, I highly suggest you try to get some of this money.

http://www.help-me-rent-mortgage.org

Good Luck!

Why is it hurting so much?

my bf and i have been together for 4 years we moved in together a year ago because of his family they dont want the two of us together and well you could say that he showed them and he showed me. he wanted me to know trhat i was the most important thing in his life and he did not care well last we we had a big arguement in front of his family and some hurtful things was said on both of our paths that we did not mean.well his mother can in on her big white hoarse and carried him up to the country. my boyfriend does not have a phone because i was washed in his clothes and i cant talk to him the way i want because i have to be calling on his family members phones and they tell me the most hurtfull things evey time i call. he is 23 and they find that he has not accomplished anything in life yet and i am keeping him down last year we took alot of things on credit and paid it off in one year we eveny bought a car and extended a piece on my mothers house where we wre staying but that was not

Why is it hurting so much?

it hurts because u know it isnt fair. he is 23 and knows better. let him come back. when he does, let him know u hate the fact that everything was said but that it also hurt u and maybe u can try to make amends with his family

Finding birth parents?

i have not much money and i want to find out who my birth parents were i was adopted as a baby its hard for me to get help i live long way from my birthplace and i have no credit cards or cash all i want is info i dont need to contact them just basic info like name and if i have siblings i dont care to meet them since they didnt want me lol no really help me please

Finding birth parents?

Well forskin what a name there are many roots you can take and with the Internet it is much easier and you don%26#039;t need cash just someone to help you you can use my business e-mail for privacy if you wish what details do you have age area you were born family name i can not do this for you but maybe we can work together i am not a missing persons person but a mentor and hate to see young people stuck so it is up to you either way you don%26#039;t need to spend money just some one to suggest a few things good luck Dave

Married, I must file Canadian and US taxes - joint or individual?

I am a dual Canadian/US citizen living in Canada, married to my Canadian wife (we%26#039;ve two kids). As a US Citizen, I know I have to file a US return for 2007. I%26#039;m trying to figure out whether I should file (in Canada) jointly with my wife, or individually since I am the only one obligated to file a US return - I realize we have to file as married.

Here is some relevant background:

- We both live and work (main full-time jobs) in Canada, but I have consulting income from the US from 2007

- we used to live in the US, and my wife has filed US returns in the past (she had no US income for 2007 though)

- we have child care expenses that are tax deductible (how to divide these if filing individually?)

- individually, my wife would probably get a refund and I will have a large balance owing (which I can pay) due to my consulting income

- I%26#039;m assuming that, since I%26#039;ll have to pay high Canadian taxes on my worldwide income, the resulting US foreign tax credit will eliminate any additional taxes

Married, I must file Canadian and US taxes - joint or individual?

Short answer: all Canadian taxpayers file their own returns, there is no %26#039;joint%26#039; filing in Canada.

You report your marital status and spouses income, but that is just for claiming certain credits (GST, Child Tax Credit, etc)

I think your spouse, since she has no Canadian income, doesn%26#039;t have to report her income, so i assume you%26#039;ll use $0 on that section of your return.

Incidentally, it may not be accurate to assume Foreign Tax credits will eliminate any additional taxes. I know in my case a few years ago, the result was that I paid whatever the HIGEST rate was between two countries. It%26#039;s not a simple %26quot;I paid them $xxx, so I can deduct $xxx from my taxes due. It%26#039;s more complicated than that.

Why Men are happier then Women?

Men Are Just Happier People-- What do you expect from such simple creatures? Your last name stays put. The garage is all yours. Wedding plans take care of themselves. Chocolate is just another snack.

You can never be pregnant. You can wear a white T-shirt to a water park. You can wear NO shirt to a water park. Car mechanics tell you the truth.

The world is your urinal. You never have to drive to another petrol station toilet because this one is just too icky. You don%26#039;t have to stop and think of which way to turn a nut on a bolt. Same work, more pay. Wrinkles add character. Wedding dress 鎷?000. Tux rental-鎷?00.

People never stare at your chest when you%26#039;re talking to them.

The occasional well-rendered belch is practically expected. New shoes don%26#039;t cut, blister, or mangle your feet. One mood all the time. Phone conversations are over in 30 seconds flat. You know stuff about tanks.

A five-day holiday requires only one suitcase. You can open all your own jars.

You get extra credit for the slightest act of thoughtfulness.

If someone forgets to invite you, he or she can still be your friend.

Your underwear is 鎷?.95 for a three-pack. Three pairs of shoes are more than enough. You almost never have strap problems in public. You are unable to see wrinkles in your clothes. Everything on your face stays its original colour. The same hairstyle lasts for years, maybe decades.

You only have to shave your face and neck.

You can play with toys all your life. One wallet and one pair of shoes one colour for all seasons. You can wear shorts no matter how your legs look.

You can %26#039;do%26#039; your nails with a pocket knife. You have freedom of choice concerning growing a moustache..

You can do Christmas shopping for 25 relatives on December 24 in 25 minutes.

No wonder men are happier.

Why Men are happier then Women?

We don%26#039;t get PMS either. lol

Why Men are happier then Women?

You just answered your own question.

Why Men are happier then Women?

It%26#039;s called being clueless.

Why Men are happier then Women?

I think because they worry less.

That%26#039;s all pretty funny and sadly true! :)

Why Men are happier then Women?

because they mostly don%26#039;t take things too serious

and we do

Why Men are happier then Women?

Holy crap ! She%26#039;s 100% right on ! Where%26#039;s the remote-I%26#039;m going to go get a beer.

Why Men are happier then Women?

A-Friggin%26#039; Men, sister. The simple life!!

Why Men are happier then Women?

wow i agree. i hate getting my period sometimes. no wonder wy guyz are so happy all month long

Why Men are happier then Women?

Yeah we do live our lives between our legs...

Here%26#039;s wishing you better luck of the draw next go %26#039;round !

Why Men are happier then Women?

I am not saying it is true, But it is very good. lol

Why Men are happier then Women?

i%26#039;m not reading that

but yes, yes i agree most strongly

Why Men are happier then Women?

Cheers to that!

Why Men are happier then Women?

It sucks being a women,

But... we have our perks too...

Why Men are happier then Women?

Forget about the particulars,we%26#039;re just more positve,plus we take a broad view of things instead of fretting over petty details.

Why Men are happier then Women?

HAHA! Thats truee! I never realized that!

Why Men are happier then Women?

Makes you wonder why we commit suicide in higher numbers than women.

Why Men are happier then Women?

we are soooo not happier..........

fashion is your choice

鎷?.95 get s you knickers too

people slap you for staring at their chest when talking to them

and no neck and face is not all if you care about the way you look

these days male moisturiser is loads more expensive than ladies

I%26#039;ve seen ladies pee in public... uni days scarred for,life

and as for rest well sexism sure needs making illegal next huh *sulks*

ooooooh you so forgot we are allowed to do that

Why Men are happier then Women?

Man i hate being a woman :(

I mean men can get caught in the rain and their hair stays the same.

Why Men are happier then Women?

I have to admit that the only reason I have a goatee is because I hate shaving!

Your poor women, us men do not know how lucky we are. I must admit that I do appreciate women and what they have to go through - all those shoes and none of them ever match the outfit! Terrible...

Have a star... And then get me a beer. Thanks **Belch**

Why Men are happier then Women?

i am sure when you have a penis between your legs even if for 2 Minutes i am sure you are happy too.

Why Men are happier then Women?

wow...I was gunna say they%26#039;re not happier, they just don%26#039;t voice how unhappy they are...but after reading that...they have it good!

Why Men are happier then Women?

Excellent Point

Why Men are happier then Women?

There is certainly no doubt that men have a much easier lot in life.

Happiness comes from within and is very subjective.

Women now also get to play with toys for life, too.

Why Men are happier then Women?

Wow, now I do feel happier, plus I%26#039;m growing a beard

Why Men are happier then Women?

boo hoo get a life please stop the complaints and get in the kitchen and cook me mi dinner

Help im in debt wat do i do?

im 21 years old and 8 grand in debt i owe my credit card 5000 and the rest on other things i work full time and afford repayments on all these debts but i cant find a loan anywhere no one will give me 1 i just wanna put all my debts into 1 simple plan ill be going part time shortly to care for a sick relative and do not know how im gonna manage

Help im in debt wat do i do?

you have to be careful of one %26quot;simple%26quot; plans, you can also get a carers allowance in many places if you are caring for a sick relative.

Help im in debt wat do i do?

dont worry about it get a tent and live in harmony in the mountains i do it is wonderful no stress no responsibility plus running around naked that is true freedom

Help im in debt wat do i do?

Go and get advice on how to manage these debts. Getting another loan is rarely a good way to pay off debts. Suggest you contact the Citizens Advice Bureau. They will help you put arrangements in place with your creditors. Discuss with them your proposed plan to go part time and will help you identify if there are any benefits you can claim.

Help im in debt wat do i do?

Time to cut up your credit card and quit spending beyond your means. You need to call each of your creditors and explain the problem - you%26#039;ll find that most will work with you and most will even quit adding interest if you quit charging things. Once you make an agreement with them on a monthly payment that you are SURE you can meet, set up automatic payments to them from your bank so you don%26#039;t miss a payment and tear down everything you%26#039;ve worked for.

Help im in debt wat do i do?

Lenders are much more cautious about giving loans right now due to the crash of the sub-prime mortgage market -- it%26#039;s rippled out and affected about every other financial and credit system, and the economy as a whole. They are generally much more careful about scrutinizing the borrower to be sure they can repay... and if they have doubts, they%26#039;re much less likely to offer a loan, unless on such horrible terms that you%26#039;d likely be worse off taking it.

You might try credit counseling services like http://www.cccsstl.org ... though they may not tell you what you want to hear, they gnerally do give good advice, and do offer a debt management program also.

Help im in debt wat do i do?

That%26#039;s a lot of debt for someone your age. Since it demonstrates you do not manage your money well, you aren%26#039;t likely to get a consolidation loan - you have no assets, no collateral!

You have to stop your wanton spending and pay off these bills before you switch to part-time work. If you don%26#039;t make drastic changes right now, you will be haunted by bad credit for the rest of your life.

And stop whining about it.

Help im in debt wat do i do?

Don%26#039;t try one of those dumb %26quot;consolodate all your debts into one and have easy repayments of only....%26quot; loans. You%26#039;ll still be repaying that loan in 50 years and they will want your home as collateral (etc)

What to do.

Check with the social security for carer benefit payments you might be elegible for.

Pay off the expensive debts asap (yeah stop enjoying lifes luxuries too.. you can%26#039;t afford it)

Get a job (or a second job) that pays better.

See if any of the rest of your relatives can help you with expenses whiel you are caring for your sick relative.

Help im in debt wat do i do?

You are living beyond your means and you plan on further reducing your income. Forget about borrowing your way out of debt - that%26#039;s not gonna work. You need to:

1. Live within your means.

2. Stop charging.

3. Pay several times to minimum payments each month until you pay off the balances.

Help im in debt wat do i do?

Between the rock %26amp; the hard place. On a positive note $8k is not that much - what do you make per year.

Credit%26#039;s tight, guidelines are high, and money is short.

May be one of those %26#039;character building%26#039; moments where you need to %26#039;hunker down%26#039; %26amp; getter%26#039; done. - just bear it.

After say 6 months you may have your credit card paid down to the point you can shift your other debts over to it. This might not be smart though.

If given an opportunity pay the higher interst debts off first. AND DO NOT USE ANY ADDITIONAL CREDIT.

Help im in debt wat do i do?

Puter Prsn is quite correct, do what he/she suggests.

Help im in debt wat do i do?

Since you say you%26#039;re 鎷?000 is on %26quot;other%26quot; things, I wonder what those other things are.

If you do get a loan, know that it%26#039;s not an economic choice. You%26#039;re technically borrowing even more due to the fact they%26#039;ll front load the interest. This means that they put all the interest due over the entire loan right at the front of it. This means for an 鎷?,000 loan at 15% over 4 years, you actually pay back 鎷?,120 ish. Not very economical.

The reality is at 21, and with this much debt, you%26#039;ll need to work a lot of hours to pay this debt off. I appreciate that you have a sick relative but you may need to find out if any other family members can help care for this relative and work two jobs so you have flexible hours.

I once had 鎷?0,000 on credit cards, and I worked 3 jobs to pay the things off. Now I get stressed if there is a couple of hundred balance.

You%26#039;ve accumulated this debt, you%26#039;re going to have to get out there and be proactive to fix it.

Help im in debt wat do i do?

Lots of good advice here. First, you need to understand how expensive your life will become with bad credit, so you really understand what%26#039;s at stake. You may get this already, but trust me, $8K in debt is not at bad as a] all the examples of people with 40,50,60k in debt. b] the national avg cc debt is $13K, so keep your head up. Bad credit scores mean paying $100s more/mth for housing and cars.

Now, stop spending, stop using your cards, assess reality, is your car newer than 5 yrs old? sell it and get a reliable older used car. do you live at home? do you overpay for rent? You have to get a handle on your expenses. Start using MS money or Quicken. Why? people who do use these spend less, because now they have awareness to where their money goes.

You can do this!

Help im in debt wat do i do?

Sorry.....you need to go and get a part time 2nd job and cure your sick debt........

Help im in debt wat do i do?

BO WHOOOO im 23 and in debt 67K and i dont even own a house and i have an 8 month old and a husband LOL.... just learn to manage and live paycheck to pay check for a bit like me....

i got 2 cars 450+245

1 motorcycle 80

student loan 98

1 retail card 60

1 credit card i pay 100 but min. is 56

3 small medical collections 30

baby expensies 70

light 79.00/ water 42.53/ cable %26amp; internet 176/ gas bill 180.92

and i only get paid 13 an hour =) work 5 days a week and i get turned down for loans but LOL... unless i win the lotto no luck sooo

get a calendar, write down all your bills, what you get paid and just write all your expenses like gas and in 2 months you will know exactly what your budjet is.... i hope its better than mine.... i get left over barely 200 bucks for the month =/

any rich people out there want to donate money to me =)

sooo if i can do it ANYONE CAN =)

Help im in debt wat do i do?

First, before you set off looking for a loan, make absolutely certain that your credit report and credit score are in order. Experts have advised that a significant majority of credit reports actually contain inaccurate negative information. Therefore, by making%26lt;!--sure that you credit report is in order and completely accurate, you will be in the best position to get the loan that you need at a most favorable rate.By following these pointers, you will be able to make the quest for financing for whatever your particular needs far easier.

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

Second, do not settle on the first lender that comes down the pike. In the 21st century there can be some significant differences in the interest rates and other fees that are charged from one lender to the next. By spending some time shopping around, you will be in the best position to find a loan at the most--%26gt;reasonable rate around.You need to make sure that you understand all aspects of the loan, including charges and fees.Finally, if you are seeking financing, do not overkill. You need to be prudent and responsible when you are in the market for a loan.

Help im in debt wat do i do?

check out http://ceditdebtrepair.info they can help you. good luck!

Help im in debt wat do i do?

Your Problem is really serious, But don%26#039;t worry check this site. This site is all about unsecured loans for people with bad credit.The main features of this site are:

* Compare over 400 UK loan Plan

* Pay nothing for 3 months

* Interest Rates Starts from 6.7%

* Loans for different circumstances

* Quick processing

* Raise Money up to 鎷?00,000

* Free quote with no obligation

http://www.longdogfinance.co.uk/debt-con...

Help im in debt wat do i do?

1. Pay off your highest rate cards/debts first. STOP USING CREDIT CARDS and pare them down. Revolving credit is a kiler to your budget.

2. Contact your debtors and see if you can negotiate a lower rate of interest in return for discontinuing use of the card.

3. Some agencies offer debt counseling at no charge. Check with your local social services agencies and other non-profits in the area to see if they can help or provide referrals.

Good luck.

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

http://www.loansandinsurances.com/

Help im in debt wat do i do?

After read your problem we think you don%26#039;t need suggestion you need a company who help you to come out from this situation. So i directly suggest you some of the company who help you to cut off your debt.

http://www.loans-park.co.uk/debt-consoli...

http://www.ask4loan.co.uk/unsecured-loan...

Help im in debt wat do i do?

Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.

Help im in debt wat do i do?

You can get a loan to resolve your debts from any debt consolidation company one of which I know who provide loan at lower interest is http://www.ezconsolidation.com ....But you need to find a better paying job as now you are planning to go part time.

Help im in debt wat do i do?

If you have exhausted all negotiations with your creditors and have no assets or means of paying your debtors off, then going bankrupt may be a viable option.

Despite the myths and stigma attached to bankruptcy you can find out more factual details below.

How to become an ultrasound technician. I already have my Associates of Arts degree.?

I live in Tampa, FL if that helps any. I already have a general Associates of Arts degree. I%26#039;m currently pursuing my Bachelors in a non-health care related field but I have decided I would like to pursue this before I finish that degree. How would I go about doing this? How many additional credit hours does it require? If you have done this yourself, please share. Thanks!

How to become an ultrasound technician. I already have my Associates of Arts degree.?

When thinking about entering an ultrasound program, you need not be concerned so much about certificate vs. degree. What is important is that you go to an ACCREDITED program, whether it is college or hospital based. An accredited program allows you to take your registry (licensing) exams upon graduation. Once you get licensed, you will never be asked about your schooling again. An employer does not care what route you take to get licensed, they just want you to have that license.

Don%26#039;t waste your time or money on a NON-accredited program. Upon completion and graduation from a NON-accredited program, you must work in the field of sonography for a full year prior to taking your licensing examinations. But, you will have a hard time finding an employer to hire you, unless you are licensed.

I would suggest you observe an imaging department to get an idea of what ultrasonographers do daily. There is much more to it than scanning pregnant women. Most people have no idea how much is involved in this career!

You can find a list of accredited schools in your area, by searching %26quot;diagnostic medical sonography%26quot; and your state at the following site. There are links provided for each program, which will give you additional information (including course duration):

http://www.caahep.org/Find_An_Accredited...

There is one program in Tampa, and nine others in the state of Florida.

Many people, myself included, go to school to become a radiologic technologist, before continuing to ultrasound school. In fact, it can be difficult to get into u/s school without the RT license. There are many more choices for schools for x-ray in most states. You can find them here, by searching 閳ユ笧adiography閳?and your state:

http://www.jrcert.org/cert/Search.jsp

The pay for ultrasound technologists will vary, depending on experience and geographical location. The American Society of Radiologic Technologists just did a large salary survey. You can see how much a RT and/or ultrasound technologist averaged, per year, in your state here:

https://www.asrt.org/media/pdf/research/...

How to become an ultrasound technician. I already have my Associates of Arts degree.?

am currently preparing for a radiologic tech program myself. ultrasound is in the same %26#039;family%26#039;. you will need to apply to an ultrasound tech program. teaching hospitals offer this program, as well as universities and community colleges, so check around in your area. i believe generally it%26#039;s a 2-year specialized program with some basic medical prereq%26#039;s, such as anatomy %26amp; physiology, terminology, and possibly some basic general courses, depending on where you go. hospitals around me, for rad tech, require a %26amp; p or biology, med terminology, algebra, things like that, before you apply to their program. i%26#039;m in MI.

How to become an ultrasound technician. I already have my Associates of Arts degree.?

It is usually a 2 year program at a community college, and you generally need to take prequistes before you are admitted. Because you had an arts degree, you proabably will not have taken most of these courses. There are some short programs that are not accreditied, so be careful. Sonography programs are compettive and are usually full time things, and I think most radiology programs run through the summer. I don%26#039;t need why you are trying to get a non-health/science bachelors if you want to do this. The prgram is very specific, and I don%26#039;t see the point in tkaing it if you don%26#039;t plan to work in ultrasound. If you do, get a degree in something at least a little related like or else it won%26#039;t help you.

You should ook at this site: http://www.bls.gov/oco/ocos273.htm

How can I resolve my anger issues.?

Lately work has been very hectic and I%26#039;ve seen how mean people can really be. My supervisor treats people like crap and I somehow end up doing her job of resolving issues but she gets the credit. I have been snapping at people, and that is really out of character for me. I have talked to upper management about my supervisor and she is being moved. But I want to get the old me back. I use to be quiet, and usually didn%26#039;t care what other people say or did, but now I need anger management. Can someone please tell me that there is a solution. Thanks

How can I resolve my anger issues.?

Anger management is addressed in section 4, at ezy build, below. If you can%26#039;t deal with it by using one of the techniques, such as counting backwards from 20, to 1, (and prevent yourself from making yourself angry, in the first place) is important to express that anger appropriately, at the time, and to the person who caused it, if possible, or immediately afterwards, if not, maybe by walking away later, and bellowing your rage. In some situations, such as work, or school, it might be better to cover your mouth with a cupped hand, bandanna/handkerchief, or use the crook of your elbow, to muffle the sound. Some people find that it helps to journal those thoughts, and emotions soon afterwards. Anger, which is repressed, rather than healthily expressed, tends to fester, and later may cause explosive fits of rage, or depression. It helps to have someone you can talk to. For more physically inclined people, a punching bag, or hitting your pillow, can be an effective release mechanism: visualise, as vividly as you can, that you are striking back at the cause of that anger. ~~~ From Y!A: %26quot;But next time, when you get mad, just remember this quote: %26#039;Those who anger you, conquer you.%26#039; It%26#039;s basically saying that when you give someone the power to make you mad, or let it get to you, it%26#039;s like they%26#039;re controlling you. When I realized that, it made me mad, so I try to control my anger and not let people see it. You can still control your anger without being walked all over. You just have to draw a line.%26quot; http://www.ezy-build.net/ (.net.nz/~shaneris) [Type, and enter the following URL, in the usual manner: h t t p : / / w w w . e z y - b u i l d . n e t . n z / ~ s h a n e r i s ]~~

How can I resolve my anger issues.?

get a punch bag or dart bord and stick a picture of ur boss on an have fun

How can I resolve my anger issues.?

Hey! It sounds like you need a good break and some time to relax. Are you able to take some time off work to do this? Even if its for just a couple of days - some relaxation time should help you relax, get rid of any built up stresses and frustration you may be feeling and it will let you enjoy yourself. Sorting out everybody elses rubbish is no easy task and can make ANYONE moody.

If you don%26#039;t think this will work for you, then perhaps speaking to a councillor will help bring back who you used to be. Please - people who are crazy are NOT the only people who see councillors. A lot of people see them for a lot of different reasons, including stress and anger management. It may be worth your while just seeing someone for a couple of sessions just to get some tips on managing anger in your workplace. It is also just good to get things off of your chest, especially if you haven%26#039;t had anyone to talk to about it. I%26#039;ve have see a councillor before and they are very helpful. They will help you find strategies that are suited to you, and they are nonjudgemental and will keep all your information confidential. There are places that are government funded or at least offer patients a %26#039;mental health plan%26#039; so you can save a lot of money if you can find one.

Whatever you decide to do, i hope you feel like your old self soon. Good luck!!!

Do you think Lincoln was wrongly judged by History?

It seems to me that %26quot;Honest%26quot; Abe is given way to much credit as being a good president.

Here%26#039;s a guy who suspended the constitution and Habeus Corpus, instituted the first draft, took huge uneeded powers, initiated a terrible war (not to mention slavery had nothing to do with it), and could care less about blacks in the longrun.

Most southerners, including Robert E. Lee, were against slavery. Even Henry David Thoreau ... a great abolitionist... took the side of the south. There were black confederates and the Cherokee Nation joined the South as well.

The south fought all along, not for slavery, but for states rights and the constitution. Lincoln was a tyrant they were rebelling against.

So who was really right, Lincoln or the south?

Do you think Lincoln was wrongly judged by History?

Well the truth is it%26#039;s not that simple. The South say it as an issue about state%26#039;s rights. While it is true Lincoln did not fight the Civil War because of slavery. The Emancipation Proclamation only was in effect in states that were in rebellion against the Union. If say Texas or Virgina had stayed in the Union slavery would not have been abolished in those states. Lincoln once said if by freeing all the slaves or by keeping all the slaves in slavery the Union would be preserved he would do it. His main concern was that part of the nation was trying to break away and start another nation. Lincoln wanted the Union to remain intact. He did suspend Habeus Corpus and the Supreme Court ruled he could not do that. I think Lincoln was a complex person like everyone is and that we tend to try and make him out to be some Nobel night in shinning armor, which is just not true. There is a lot more to it, like with everything and every person in history. Things are not that simple, the events and their unfolding are not that simple. It would be nice if high school teachers and a few professors would learn to teach history and not the myths that are being taught now on almost every historical event.

Do you think Lincoln was wrongly judged by History?

Did you forget to wear your hat yesterday while clearing the weeds off your doublewide?

Do you think Lincoln was wrongly judged by History?

History records him as he was, one of the greatest presidents of all time.

Tough times call for tough measures.

He did not initate a terrible war. The Southern states who left the union did that. He instituted the first draft but a lot of countries have that.

Lincoln was against slavery. He never owned a slave and spoke up about the rights of all men.

The south fought for states rights yes but it was the right of the state to say a man could own another man. That is what they wanted. That is the only thing the South wanted, the right to own another human being. If Lincoln had said, ok thats fine, then they would not have cared about states rights.

Lincoln made it clear if elected he would end slavery. He was elected and kept his promise.

Lincoln was right.

Do you feel the South should have won and slavery still exist?

I mean the discrimination that still exists for blacks today is bad enough. Dude! This was a terrible question.

Do you think Lincoln was wrongly judged by History?

Most southerners were against slavery?

--only if you count the slaves%26#039; opinions, which most white southerners did not. It is true that most white southerners were too poor to own slaves, but they still favored slavery, passionately.

And the war had nothing to do with slavery?

--The election of the first Republican president is the straw that broke the camel%26#039;s back. The party formed out of the abolitionist movement.

You are correct about some African %26amp; Cherokee Americans siding with the Confederacy. But I disagree with every other claim in your question.

The short answer: Lincoln was right.

Do you think Lincoln was wrongly judged by History?

You know it really depends on which way you look at it... Were the crusades ruthless invasion or men fighting for their beliefs, were liberators, who went against those at the head of their countries, traitors? You can spin history any way you want when you have all the facts, it%26#039;s up to you...

Do you think Lincoln was wrongly judged by History?

Lincoln.. what kind of question is that... not only did he make a move that saved our country, but he kept from going insane. the poor man suffered from major depression, had a wife who almosted needed to be comitted to an asylum and lost many children and his mother. He took risks to do what was best for our country. Yes they may have been a bit extreme but what is better.. being calm and let slavery and wrong morals take over the US and change history probably for the worst, or be somewhat of a tyrant and ban the owning of other humans as an unwilling work force? If you believe that you should own humans, work them to death and whip them if they don%26#039;t, sell and treat them as animals/inferiors, and think segregation is ok, then fine the south is right... but if u believe all men are created equal, they all have the right to life, liberty and the persuit of happiness, and that everyone should be free, then yes Abraham Lincoln did the right thing. The South had the right to rebel, i do agree, and yeah they did. Just because Abe tried to stop them doesn%26#039;t mean that he was wrong.... if you believe he was wrong, you%26#039;re basically saying that everyone was wrong for stoping Adolf Hitler.

Do you think Lincoln was wrongly judged by History?

First of all, Lincoln hated to be called %26quot;Honest%26quot; Abe.

2. He had a right to suspend Habeas Corpus because in the constitution it states that the President can take any measure in a time of need and war.

3. Would you really like to have slavery in our society today? If not for the Civil War, we probably would have...1. two countries in the %26quot;United%26quot; States, 2. slavery would still exist, 3. high levels of discrimination not only against blacks but also immigrants.

4. Robert E. Lee was not against slavery. He even said slavery was an evil. He only fought for the South because all of his past generations have lived in Virginia and one governed it. Lee had strong ties to his home state, and when Virginia seceded, he was pained to leave the nation he once fought for, and fight for his loyalties.

6. The south did fight for slavery. They wanted to protect their %26quot;perfect%26quot; way of life.

7. Please stop defaming one of our great presidents if you don%26#039;t have correct information. Are you saying that Lincoln was a bad president? What would you do if 7 states seceded right when you were elected? And would you be against slavery or for slavery?

Do you think Lincoln was wrongly judged by History?

I think you%26#039;re wrong, but it%26#039;s a fair question to ask, and definitely worthy of debate and research.

Do you think Lincoln was wrongly judged by History?

well i agree the south was fighting for a cause, but the constitution makes what the south did illegal so off the bat the did something illegal, so lincoln figured if they%26#039;re gonna break the laws in the constitution i may as well too. Lincoln beat them at their own game, so i applaud him

Do you think Lincoln was wrongly judged by History?

Yes it was wrong for slavery to exist, but because it existed %26quot;African-Americans now have a good place to live%26quot;.

I feel that Lincoln was wrong for doing many things. I can%26#039;t understand why they gave him the credit, although I%26#039;m sure he helped the country in other ways.

It didn%26#039;t make him completely right.

Do you think Lincoln was wrongly judged by History?

Wow, average libertarian.

How about Ronald Reagan? He had the HIGHEST defecit in the history of our nation at the time. Sure, the rich were happy, but you faux-repubicans tend to forget that fact.

How can i get 12,000dlls for my oral surgery? any suggestions?

I have a receding lower jaw! and it%26#039;s bad. My jaw hurts every morning, i have tongue thrust and i can%26#039;t speak right; everybody says that i mumble. Anyway, I already have braces which cost me 4,000dlls, and im paying 115dlls monthly. Im only a college student (2more years to graduate as an accountant!!) and i have a job (taking care of my grandparents) that pays me 150 every 2 weeks! How in the world can i get that money? will it be a good idea to get a student loan? I have good credit...I have one year to get the money!!! im desperate!!!!!!! HELP

How can i get 12,000dlls for my oral surgery? any suggestions?

Try taking out a personal loan or another student loan and use the excess to pay it off. Just think how much better you will feel when it is done. Compare the rates b/w the two kinds of loans, interest rates have gone down so I%26#039;m not sure which is lower right now.

How can i get 12,000dlls for my oral surgery? any suggestions?

Hello,

In regards to your question, i would advice you to visit Clarkson Micro Finance Incorporated.

Few months ago when i had a bad credit a friend of mine introduced me to them, Inspite of my bad credit they were able to lend me a loan of 25,000, British pounds within the space of two days of which i used to revive my business, I think you too can do the same as well, regardless of your nationality.

You can reach them via clarksonloaninquiry@yahoo.com

Sincerely,

Victoria Dingley,

From Newcastle, England.

Network of scam artists?

anyone have any dealings with superior financial group, capaha commercial credit, presario investments, certified lending, they all have the same one liners. how can these advance fee company keep existing and changing their names, a girl gets arrested for putting to much salt on a hamburger and these guys keep existing, are we so bogged down in iraq we can%26#039;t take care of business at home

Network of scam artists?

I am working with Capaha now--they want me to wire them $1300 to secure a 7K loan. What do you know about them??Are they fraudulent??

Network of scam artists?

They took the easy way out. It%26#039;s too difficult to deal with the professional criminals.

Network of scam artists?

you can check out the better business bureau on line and also you can check at ripoff report i know they have one on superior

Can I get back some of the tax refund money that was offset for student loans?

My husband and I filed married jointly. The IRS approved a refund but it was offset because of a student loan in state default. He was going to school and then in 2005 I miscarried and was in bad shape so he had to quit school and take care of me and our other child. We just found out the treasury department took all of our tax refund because of his defaulted loan. I didn%26#039;t work last year because I was put on bed rest with this last preg. At least 2 months prior to filing taxes he had already made arrangements to make payments the collection agency for the student loan and they new that he would start making payments after getting our refund because could have paid off some other smaller bills and gotten caught up on rent, which would have freed up money to make monthly payment to them. They said nothing about a default.

Can I get any of the money back, I am not in default or anything? At least the child tax credit? We desperately needed that money. Is there any hope?

Can I get back some of the tax refund money that was offset for student loans?

Actually, YES, there is hope. It is under %26quot;Injured Spouse%26quot; clause. If you are under extreme financial hardship, you may be able to get SOME of your refund back. It is a difficult process (be prepared to send copies). Good luck to you.

Try this website:

http://www.ed.gov/offices/OSFAP/DCS/disp...

* 9 months ago

Where can I find a loan shark? FAST????

Am a part time college student in need of my own place and fast I can%26#039;t handle it here anymore because I feel like am dying inside always. I just had my 15 year old sister put in jail because she wanted to kill me with a knife because she thought I had touched her PC....sad. And now my family is upset (am 18) with me....no one ever loved me in this family so am pretty much has always been alone but existed it amazes me am alive each day...

I need a loan shark and don%26#039;t care about the risks of one its either me die here or have my own place and pay them back.

I need enough for food,place,clothes. But will work within three weeks so I can start paying back then slowly but it will be paid....I have bad credit that I messed up at 16 and wished my mom wouldn%26#039;t have let me get one but in general I need a loan and fast!

Please : (

Where can I find a loan shark? FAST????

If you are thinking about getting a loan, then you should know about the basics before you get started. If you understand the basic dos and don閳ユ獩s of loans, then you will be better equipped to find the best loan for your needs. Whatever type of loan you are applying for, you should follow these basic rules to help you find the best deal. When searching for a loan, it pays to do your research. Look for as many suitable lenders as you can, so that you can find the very best deal. There are many online pages that%26lt;!--allow you to compare loan rates from a variety of lenders. As well as looking online, check out your high street banks and mortgage lenders for deals too. You may find the loan that you need here,

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

If possible, try and avoid taking out secured loans. If the amount you need to borrow is small or you have good enough credit to borrow without collateral, then do so. Although unsecured loans have higher rates, they are less risky because your home will not be at risk if you cannot make the payments.Try and take a loan out over the shortest period--%26gt;you can afford. Taking loans out over 10 years or more can be risky, and you cannot be sure what your financial situation will be at that time.

Where can I find a loan shark? FAST????

Do you have any friends you could stay with while you earn money? Or maybe a relative who will let you crash with them? A loan shark isn%26#039;t the answer, trust me. Ideally, you%26#039;d find someplace that would be super cheap or free, and would be able to save up money that way. If you were to take a high-interest loan, it would only make things worse in the long run.

Where can I find a loan shark? FAST????

You ruined your credit at 16? Your sister was sent to a pen. at 15?

I just can%26#039;t believe what you say.

Where can I find a loan shark? FAST????

Loans are also available from credit cards and banks, but often at a high, fixed rate. Other loans include home equity loans and mortgage loans. These loans are usually more tax advantageous, as the interest on them can be tax deductible. The drawback is usually the costs associated with the closing of a second mortgage. Be sure to research all of your options and find the loan that best suits your personal situation.

Permanent life insurance products, such as whole life, universal life, and variable universal life offer cash value accumulation in addition to their essential financial protection. Over the long term, the cash value accumulation may be significant enough to help you. And the interest rates on these policy loans may be lower than a loan from a bank, but be aware that loans reduce the death benefit. A private loan shark than can help is azureloanisland, you can apply via email at azureloanisland@yahoo.com

I swear that is in my own words...?

My Science long-term sub thought I stole a bunch of my powerpoint stuff from other people and its not in my own words... but it is and she won%26#039;t believe me? She never even checked the sources I put in, I don%26#039;t even care that I lost points, just the fact that she can%26#039;t believe I wrote it is insulting and then to assume me a liar? I want to go after school tomorrow and have her point out which part isn%26#039;t in my own words. Is that too cocky? She just really p!ssed me off... this has happened before with other teachers- little do they know I hat it when ppl do what they%26#039;re accusing me of, its terrible to take credit for someone elses brain, and I you do you should put it in quotations... just mad here should I state my opinion or let it be?

I swear that is in my own words...?

Ask her to show you where you plagiarized and from what source...accusations must be backed up with proof to stand.

If she refuses, take it over her head, she reports to someone, and she is a substitute. Get your folks involved...they have more clout than do you.

I swear that is in my own words...?

I think you should definitely stand up to this teacher (sub, w/e) but don%26#039;t be too accusatory. It%26#039;s awful for her to take off points on just the assumption that it%26#039;s not in your own words. Also its patronizing to assume that you can%26#039;t write anything that good. She should be more open- minded and realize that some students can write well, and know how to use %26quot;big words%26quot;!

What should I do with a Asshole dad??

My dads an asshole! he drinks and try to kill me and my mom and sis well hes pathetic so he really can%26#039;t kill us but he does beat us!

he thinks he owns us and treats us like where he slaves! he steals our gold and sells it for money he also takes my mom credit cards and steals large amounts of money and he wouldn%26#039;t even admit he did it even when there was video evidence from the bank of him withdrawing money from her card. Today he went to my school and got me embarrassed and i feel lke killing my self. my mom doesn%26#039;t want to kick him out of the house like wtf. he tells me everytime i%26#039;m not his daughter and says go get a dna test ur dads a male prostitute. and always tellin my mom shes a whore! and like kick him out MOM!!! i don%26#039;t know wat to do! he embarrassed at school i%26#039;m not gonna go back there again for sure! help me wat should i do i don;t wanna live in the same house as that Asshole!

PS : HE DON%26#039;T CARE/LOVE ME

What should I do with a Asshole dad??

Hey Jodie

I have the same problem sis!

We have the same gayy dad!!!

What should I do with a Asshole dad??

Wow I am sorry.

You have to do something either move out or kick his *** out.

Your mom needs to get a divorce ASAP. Talk to her serioulsy talk to her and if she doesn%26#039;t listen then go to the police.

What should I do with a Asshole dad??

call the cops

What should I do with a Asshole dad??

That a touchy issue but I would tell your mom to report him to the cops when he is being abusive. No child deserves to be beaten. He apparently is more childish than you but don%26#039;t tell him that. When I think I am being treated unfairly I try to stay away from the person as much as I can but talk to your mom or a relative you are close to about this.

What should I do with a Asshole dad??

Give him a corn cob pipe for Father%26#039;s Day and emancipate yourself.

What should I do with a Asshole dad??

The good side of his behavior at his school: now there are adults and witnesses who have seen what an *** he can be! You can use that to your advantage, go to see the school social worker and explain what you have written here; don%26#039;t be ashamed, because it is NOT you nor is it a reflection on you. There are adults in your school who care, and that is why they became teachers or counselors. My sister had a teacher who used to bring her home for the weekends when things were bad at our house! Amazing as it sounds, that is true.

Do as well as you can in your school work, and get out as soon as you can to a college and you will be soooo glad to get out of their hellhole lives. If you have a best friend, make sure that they tell their parents what you endure, and they will likely let you hang out at their houses more than they would otherwise. Since he and your mom are wrapped in their drama, you have to love yourself until you can escape from their hell and find others to care for and love you the way you deserve.

What should I do with a Asshole dad??

I have a similar deadbeat Dad.

If he could beat you, he could try and kill you. He%26#039;s only pathetic because he%26#039;s treating your family like dirt. You%26#039;re his daughter, but you%26#039;re not his slave. He%26#039;s a liar and a thief if he%26#039;s taking those credit cards.

He came to your school and embarrassed you, and now you want to kill yourself? You should see a counselor, and your dad should be thrown in jail. Your mom should get a restraining order on him and boot him out. She doesn%26#039;t need him. She shoudn%26#039;t want him! Who%26#039;d want a deadbeat? He can%26#039;t change the fact that he has a family.

I feel very sorry for you, even though I%26#039;ve been in the same predicament. Call CPS to throw him out, and tell the police to have him thrown in jail. You don%26#039;t need him in your life if he%26#039;s going to blow you away.

What should I do with a Asshole dad??

I feel like kicking his a**, bring him over here to england and i%26#039;ll teach him a lesson he will never forget

What should I do with a Asshole dad??

I%26#039;m an adult..I lived with an drunk for 18 years and I couldn%26#039;t cope..you%26#039;re a kid so it must be worse for you..your father has a desease..please go and talk to your Guidence Councillor at school and he/she can advice you..no one needs to know..you need help desperately..you do NOT have to live like this..report his abuse to the Child Protective Services..your mom is too weak and scared to do anything about this situation, that is why she stays ..she is a co-dependenat..she needs help too..hope you whole family gets the help they need...good luck to you...there is a light at the end of the tunnel..

I'm in college, no job, no income and the bills are loading up on me..getting frustrated?

I have a cell phone bill every month, cable/internet, best buy credit card bill, and a student loan that needs to be paid monthly..I moved to a dorm in janurary and no jobs have come through....i live in a small town now so its tough to find a job here and i need money bad...really bad...is there anything i can do? and dont say anything like %26quot;sell crack%26quot; or anything dumb cuz this is a serious matter. My mom tries to help me as much as she can but she has her own responsibilites that need to be taken care of....i need at LEAST $250 a month but i would be better off with about $400 a month until i go back home in june back to a big city and can get a job

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

You can open an free Marketiva forex \gold\fund\indexs online trading account , with $5 reward and $20000 virtrual fund for practice .Just click the following link to open an account.

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I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

why are you racking up all this debt if you dont have a job and your parents arent paying for you to go to school. There are plenty of student loan orgizations but you will need a cosigner. If you really cant find a job in the area where you go to school or with the school you should consider transfering, that is obsurd you cant find a part time job in a college town.. i was rejecting jobs in college.

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

Why are you repaying student loans if you are still in college? Those should be deferred. Also, if you can%26#039;t afford it, dump the cell phone. You may have to pay a fee for breaking a contract but is the fee less than the future payments?

Aside from that, sell just about anything on E-Bay or look into secret shopping.

Generations of your family have coped without a cell phone. You can too. If you can%26#039;t dump it, you%26#039;re not serious.

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

Check around or advertise with fliers for odd jobs house cleaning in the area, babysitting - or if you%26#039;re good at it - typing and/or proofing term papers and such. Good luck!

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

As you are still in school, you should request a deferrment of the student loan until you are out.

You need to close the best buy card.

Get rid of the cable and do dial up internet. Or even better, use the internet at teh library.

Finally, get a pre-paid cell phone that is used for emergencies only.

Get a job. Even if you work as a waiter or bartender on the weekends, if you work hard, you should be able to easily make $250.

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

get rid of the unnecessary expenses and go wait tables. there are jobs everywhere if you look hard enough.

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

Defer your loan, dump the cable and cell, quit spending even for a cup of coffee.

Go to the school and ask for a work study program.

They pay you minimum wage for simple stuff. But, it is MONEY and the hours don%26#039;t interfere with your college work.

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

I%26#039;d say get rid of the cable and credit card. well, what are you buying with the card? if it is programs for school, then just use it for that purpose. Buying %26#039;stuff%26#039; that you don%26#039;t really need (DVD%26#039;s, CD%26#039;s, Entertainment equipment) will add to your bill. On the same note, ask them if you can just make minimum payments until you have better income.

The Student loan should not be your responsibility yet because you are still IN school. They should not have asked you to start paying off your student loan yet when you aren%26#039;t even done with college yet. Defer the student loan. Keep your cell on and lower it to a basic plan. Keep your internet (for obvious reasons! lol)

Get a part-time job for the weekends, of course you may sacrifice friends and social gatherings, but it is only temporary until you can find a job that will be beneficial to your degree (sort of like a pre-internship).

Make sure you do just this and you should be fine.

I%26#039;m in college, no job, no income and the bills are loading up on me..getting frustrated?

Loose the cable and go to prepaid cell phones. Defer the student loan, who the heck loans money to someone with no job? Sell whatever you bought at best buy and pay off the debt there, unless it was a lap top...figure out a way to earn some $$$ with the lap top, a work at home job. Stop spending any $$$.

Rice university?

I was wondering if anyone here thinks I could get into rice university. Im 15 years old this would be my sophmore year in highschool but I dropped out and am getting my GED in the fall. Meanwhile I am taking college credit courses at a community college and i have a 3.3 gpa there.....keep in mind my age. I am part of the YMCA leaders club (basically a community service thing) and I also work almost full time at the YMCA in the art department,child care, and im a counselor at a program called friday night fun for kids grades kindergarten- 6th. I want to major in political science and Urban Studies. I%26#039;ll also be taking my SATs but I%26#039;m not a great test taker. I%26#039;ll have to apply as a transfer.

Rice university?

just give it a try, you have nothing to lose if you try ,the worst they could say is No. I live where Rice is located and i hope you do get accept

good luck

:D

Rice university?

With two more years to go, you%26#039;ve still got a chance. If you%26#039;re not caucasian, then your chances go way up. Although at the rate you%26#039;re going right now, a 3.3GPA is not going to get you into Rice no matter what. Everyone I know at Rice has at least a 3.5GPA, unless they%26#039;re atheletes.

Rice university?

Always aim high; but know this - Rice has very high academic standards. It is the top scholastic university in Texas, and one of the best in the entire country. Your outside-of-school activities will be helpful, but you%26#039;ll likely need to increase your GPA and have a great SAT.

Luckily, you still have time to study and prepare for Rice. Good luck!

Rice university?

I think Rice is a stretch for you. It is one of the most selective universities in the South -- and a 3.3 at a community college isn%26#039;t going to impress them.

It is worth trying -- because you have a compelling story that may impress them. Good luck.

I cannot get a person on the phone calling NY state unemployment?

I have 2 numbers. Both keep hanging up on me. They closed the office in this city so I can%26#039;t just go there and take care of it -- i applied on-line, was approved but they say I need to apply for my weekly credit -- which they won%26#039;t let me do on-line. When i call one number, it tells me to call the other number. And when I finally think I am getting somewhere on the automated system (like to a real person) it says %26quot;all representatives are busy, please try again later%26quot; -- I lost my job 8-24-07 and have not gotten any unmployment since -- i have been trying to find a new job, but i am 5 mnths pregnant and nobody wants to hire me knowing I%26#039;ll be on leave come April. Does anybody know how to get through the phone system!!! Please help! Thank You

I cannot get a person on the phone calling NY state unemployment?

So call the main state office and complaign about it. They will help you sort things out. If they don%26#039;t then call the media, a little news coverage tends to get peoples attention in a big hurry.

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat American

Each day I read about terrorism and the forrien threat.I read articles trying to show how this is a real threat and how it must be stopped at all cost.Each day I see how we can;t stop crime in our own neighborhoods and yet we think we can make the world a better place. Before my family spends its resorces on going on vacation we pay the bills and take care of our own familys needs, I think of this as real family values. Not running up our credit debt to pay for non-essential wants!

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat Americans face?

Weapons manufacturers and Halliburton can%26#039;t profit as easily trying to fix things at home.

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat Americans face?

It%26#039;s easier to believe the evil is %26quot;out there%26quot; versus in one%26#039;s own backyard. If every single person addressed their own lives and children, almost all of these social %26quot;ills%26quot; would be non-existent.

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat Americans face?

Simply because we are weak-minded and believe everything the media feeds us. Logically we don%26#039;t analyze the news stories. Psychologically speaking we as a society have become desensitize to the local viewings of the crime committed here in America; and other recent terrorist acts are a newonce.

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat Americans face?

All in the news reports. You will notice headline stories are national issues that they spend several minutes on reporting and doing on scene reports from. While a murder or rape in your local neighborhood are towards the end of the broadcast in a short 2 minute story. Maybe we should start writing or calling our local news stations and ask them to report more on the local issues. This is the thing that gets people riled up in the mornig and cause them to call other people and discuss it. I also share your outlook on this situation.

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat Americans face?

the home is where it all starts. then it spreads around like a virus and eventually comes back home.

Why is robbery, rape ,car jacking,assalt,murder,thef, and so on not seen as the real threat Americans face?

Not all Americans are faced with these problems everyday.Its easier to be heard when you re on the outside looking in .The ones who live through things everyday are the same ones who don%26#039;t vote. We are always worried about HOME.

Who is the webmaster?

why would he care that I lost two of my email accounts at yahoo, including my own name?

If charge up my credit cards will whoever stole my name have their wages garnished to pay them?

Who is the webmaster?

YOU Need to contact yahoo A.S.A.P and tell them that your accounts have been stolen and that they have credit card #%26#039;s in them and all personal information are in them! They can help u! WE ARE NOT YAHOO STAFF! We cannot do anything for you!

PLease email them!

Who is the webmaster?

hahahahhaaha that is so funny dude but sorry i really realy want to help!!!!!! but i cant so why not contacting the yahoo staffs

College admissions?

SAT:1320, National Honor Society, National Technical Honor Society,National Society of High School Scholars, Eagle Scout. strong GPA (3.5). Iam having difficulty finding a college that will take me. (short on math credit, no forieng language but no one cares) I would do comunity college to apease the credit but, either a) it wouldnt transfer or b) want me to take a full 2 years of it then transfer ( which i would rather not go to college at all in that case). Wat is available to me?

College admissions?

Well, you%26#039;re really smart, but I think your confused about your options.

Are you only focused on pricey private universities? If so, then yes you%26#039;ve missed some deadlines. Apply anyway; if you look really good by their lights, they%26#039;ll find a spot for you--some students they accepted will turn them down to go elsewhere, which would open spaces for you.

But why look down your nose on community colleges? Here%26#039;s the comparison:

--go to private university, costs over $30K per year, graduate with humongous student loans unless Daddy%26#039;s rich and generous; go to state university, costs over $10K per year and you graduate with big but not crushing loans; go to CC, costs around $5K per year or less, graduate with smaller loans yet. CC wins the %26quot;cost%26quot; end of the equation.

--go to university, your first two years are spent in 300-seat lecture halls or smaller classes that are taught by graduate teaching assistants [people who often have just earned their bachelor%26#039;s degree last spring, who are only nominally supervised and preoccupied with their own coursework]; go to CC and your classes are taught by professionals [full-time faculty who have the same credentials as a university requires, or part-timers who are often full-time executives in %26#039;real-world%26#039; companies]. CC wins the %26quot;benefits%26quot; comparison if you want dedicated, fully qualified, experienced instruction in those first 2 years.

Conclusion: look harder at the community college option. You%26#039;ll come out with an equivalent education (CC transfers%26#039; GPA in their 3rd and 4th years are identical with those of students who started at the university in EVERY comparison study I%26#039;ve seen--and I%26#039;ve seen dozens), and you%26#039;ll save cash.

College admissions?

I find it hard to believe you have trouble finding a college with all the credential you have.

In many states, if you go to community college and get an AA degree, it is a direct substitute for the first two years of 4 year college. That is an option. If you don%26#039;t complete the AA degree, the credit should transfer on class-by-class basis. You should check with the college first.

I would suggest you make an appointment with admissions counselors in the college and discuss your problems. Your problem may be outside of your credits... or you are looking at universities that are too competitive for your (already good) scores.

College admissions?

Depends on the University you are looking at. If you applied to the universities and they have made their decision then you need to go through an appeals process. You need to try and be accepted through exception. This may not work but it is a path that you can take. Also you may have to go to community college just to take care of the class but dont see that as a bad thing.

College admissions?

Are you kidding me? You say you are short one math credit, does that mean you are not graduating high school? That is the only reason I could see for you not getting into any colleges.

Colleges don%26#039;t really care about all those high school class requirements, they are more interested in your SAT score and GPA then anything. I find it extremely hard to believe you are having trouble getting into college (I had a lower SAT score and was accepted to NYU).

College admissions?

I agree with the answer above. I went to junior college first, got my AA and transferred to an Ivy League school. I have the same degree, but I spent a lot less money to get it. Don%26#039;t knock that option.

Financial crisis?

Please can someone give me some direction. A few months ago my home was foreclosed on and the people who bought it at auction have been great trying to work with me to get it back. However, everything we try I am hitting a wall. I had some financial difficulties and have since cleared them up however it is a bit late. So now I will have a foreclosure on my credit and I am totally screwed. Does anybody have any ideas of what I could do to take care of this. Please do not be mean and send me messages about homeless shelters, I am not that down and out, I just don%26#039;t want to lose this home and I am running out of time. Any advice would be great. Scammers need not apply to answer.

Financial crisis?

You already lost your home. No one will lend you money. You must go get an apartment.

this is a 1+1=2 type of question

Thinking Guru mentioned getting a balloon mortgage for 3-5. Notice he is a mortgage broker. He is suggesting that you take a mortgage from the owners (at a high rate) where you would be responsible for the WHOLE Cost of the house at the end of 3-5 years or you would have to pray you find another mortgage.

He is a MORON who would cause you to pay a huge amount of interest over the next few years just so you could lose the house to the same people. He is the reason so many people are in trouble. Mortgage brokers should be held accountable for their poor financial advice.

Financial crisis?

I am really sorry you have lost your home. But it%26#039;s time to let it go and work on repairing your credit. With the financial crisis as you describe it, most lenders have tightened up the requirements and sub prime loans are no longer available.

I do wish you all the best.

Financial crisis?

You could ask the new owners about a %26quot;Contract for Deed%26quot; or %26quot;Land Contract%26quot;. In those situations the current owner is the Bank and you make %26quot;mortgage%26quot; payments to them as you would any lender. A typical Contract for Deed has a balloon payment at about 3-5 years. This gives you enough time to re-establish your credit and improve your chances of another loan while still paying down the balance owed on the home.

Your foreclosure will stick around for 10 years. However, the further away from it you are the less it affects your overall credit profile.

Refinancing after owning property 2 months.?

I purchased a 2 unit building in Aug. 2006. The purchase price was 379000.00. I had to do a 80/20. One loan for 303200.00 w/ a int. rate of 9.25 and the other for 74000.00. w/ int. rate of 12.25. At the time i didn%26#039;t know and didn%26#039;t care cause i was happy to get a building. My middle score was 623 at the time and my credit is growing. In 3-6 months my score should be around 660+. Can I get one loan with a lower interest rate? What can I do to lower my payment. Especially the second loan cause the interest rate is too high and i would like a lower payment. Is it to soon for me to refinance or consolidate the both loans into one. How long do I have to wait.

Refinancing after owning property 2 months.?

It is NOT too soon to refi. It is too soon to do a cash out (must be about a year). But it sounds to me like you are getting raped on those rates. At my mortgage BANK rates have dropped the last 11 weeks in a row. A 660 should get you Alt A pricing which I would imagine would be in the 7s or 8s on the first and 9s or 10s on the second. Please feel free to email me if you have any questions. I am happy to answer them free of charge.

Refinancing after owning property 2 months.?

Its too soon to refinance, especially since you did 100% financing. You will want to wait till you get more equity in the property. As far as combining both loans into one, you would either need to be at 80% of the value, or do a subprime loan, meaning not having a interest rate in the 6% range. Also if your existing mortgages have a pre-payment penalty it would wipe out any benefit mosty likely.

I%26#039;d wait at least 6 months before really looking into a refinance. If you want more help feel free to email me, I am a senior loan officer and real estate agent.

Refinancing after owning property 2 months.?

Depends on what kind of loans you have and if you have a prepayment penalty. You need to review your loan documents and see what kind of penalty you will incure, if any. Is it to soon? Don%26#039;t know. Good luck

Refinancing after owning property 2 months.?

Depends:

1) Do you have a pre-payment penalty?

2) Have you made additional payments towards the 2nd note?

3) What are the rental income on the property?

4) Where is it located?

5) Was the purchase price the full appraised value?

Look with the right circumstances anything is possible.

Refinancing after owning property 2 months.?

You can do this and you will get a better deal.

You may want to do an 80/20 but there are also one loan programs for you.

Matt

http://www.diversifiedlender.com/

http://www.minnesota-mortgage-rates.net/

Refinancing after owning property 2 months.?

too soon. you%26#039;d need to wait at least a year or two in order to refinance. you could do it now but you%26#039;ll be paying some money out of pocket in order to do so. there is no equity in your building as of yet so you need to let some accrue before refinancing again. you can do it now, but unless you have some money in the bank I wouldn%26#039;t do it.

Refinancing after owning property 2 months.?

if your credit score will be 660, you are in the same category credit wise - your credit score need to be 680 and up to get better rate, but even you do this ,how you know if the value of the house will rise some for you to do the refinancing. if you do that so soon- you will have to pay closing costs again.

the best idea is to wait 12 months and refinance after that. you have plenty time to work on your credit and value f your house will rise and you can walk out from 80/20 loan and this way it is better change to lower your mortgage payment if you will get one loan.

Refinancing after owning property 2 months.?

Hmm Alot of people on here saying you CANT do this and that. I bought a foreclosed home with 2 loans 80/20 refinanced the 2nd loan in 3 weeks with another mortgage company no time limit unless ,its a seasoned loan then you have to wait till they say you can without paying a penalty. I bought it for 20,000 under the appraised value price which is how I could do cash out. When I bought a 2 unit rental the first was 6.5% so you should look around... second is always higher of course because they have more risk. does the property need fixed up? if you remodel some of it you can raise your equity quick.. like the one guy said would be nice to make it one loan 80% so you have no pmi or a high second mortgage. If this is your first rental property..good luck.. I learned alot with my first ... Oh I forgot to add when I did the refinance I used a company that didnt charge me anything to do it. It was countrywide home loans ... that offer isnt all the time so look around find a deal that works for you.

Refinancing after owning property 2 months.?

I can help you with this, I am a mortgage broker who works with over 100 lenders nationwide and have programs that fit almost any need! Generally, you have to have at least 6 month seasoning before you can re-fi on a recent purchase however, I do have a few lenders who will refinance you with no seasoning. Please feel free to contact me and I will be glad to go over everything with you and get you a loan that fits your needs and budget! E-mil me @ Jcorreahq@yahoo.com or you can reach me directly @ (813) 655-9826 ~Joseph Correa/Consumer Lending Resources.

Refinancing after owning property 2 months.?

Waaay too soon. Don%26#039;t listen to those who tell you to do it now, it is for their benefit, not yours.

Slow down a bit and let%26#039;s look at the whole picture. You bought a 2-unit property, which is high-risk to lenders. Your lender financed you 100% of the purchase price, another layer of risk. You also have a middle FICO of 623, which compounds the risk even further. Your interest rate(s) are a reflection of this. How much were your closing costs? You have to take into consideration how much your new loan would have to save you to break even on not only the cost you paid for your original loan, but for the new one as well. Since you bought it at 100% 2 months ago, it hasn%26#039;t had time to %26quot;season%26quot;. This means that the lender has to use the purchase price as the value, which in turn means that you would have to bring any additional closing cost out of your pocket.

I would wait if I were you. I am an executive mortgage banker, and I wouldn%26#039;t tell you to refinance now, and those who are, are obviously pretty hungry for business, and a cancer to this industry%26#039;s image that I work so hard to protect.

You would need to wait at least a year before you could use a higher appraised value (considering it even went up by that time) because you are maxed out.

I%26#039;m sure it is not what you want to hear, but the truth hurts. Maybe not hurts, maybe stings, but it%26#039;s for your own good.

You say that %26quot;at the time I didn%26#039;t know and I was happy to get a building%26quot;. A $379,000 debt isn%26#039;t small potatoes, and you should definitely put more thought into further investments before you act. If you had the slightest thought that you wouldn%26#039;t be able to handle the load, you should have backed out, and even more so, your lender should%26#039;nt have put you into a situation that you could default on.

Good luck...

Yahoo Sports Stat Tracker?

I enter in my credit card number and it always says, There is a temporary problem if this persists contact yahoo custumber care.

Yahoo Sports Stat Tracker?

Just try again in a couple hours...this may happen if there are a lot of people attempting to do the same thing.

Concerned parent of an older kid?

MY 24year old is spinning out of control quickly.She%26#039;s in credit card debt over her head. She works 2 jobs to pay it off. She doesn%26#039;t take care of her car or her room. I just found out about how she smokes a pack a day and I KNOW she can%26#039;t afford that.Her sleep schedule is all messed up because she works nights and afternoons. I also just found out from here sisters she%26#039;s been seeing a guy from work who%26#039;s almost 30 years older than her. I talk to her and she just gets nasty to me. She doesn%26#039;t live with me anymore but I%26#039;m worried somthing bad%26#039;s going to happen

Concerned parent of an older kid?

Gee, I wonder how many of the people that stated %26quot;leave her alone she isn%26#039;t a kid%26quot; actually have children. Guess what folks, YOU NEVER STOP WORRYING ABOUT YOUR CHILDREN. Maybe you could talk her into moving back home for awhile, which will free up some cash for her to send to the credit card companies. Ask her if she could come back for a set time, and start by getting her to talk to you, if she gets her sleep patterns straightened out, the rest will probably just work themselves out. Sound like she is RUNNING ON EMPTY, and that can take alot out of anyone. Best of luck to both of you!

Concerned parent of an older kid?

Talk her into moving home? So you can watch her spend her money even faster, get further into debt and assume that daddy will always bail her out. Fabulous idea. Report It

Concerned parent of an older kid?

one of the enablers i was talking about. i let my kids(yes erin, i have kids)fall and learn to pick themselves up,they are now strong capable people who will not need help when they are 24. please. get a life and let your kids get one too. Report It

Concerned parent of an older kid?

24 is NOT a %26#039;kid%26#039;...

Let her live and learn,as we all have to.

Concerned parent of an older kid?

kick her ***.... thats what my old man did to my brothers... they%26#039;re fine now..

Concerned parent of an older kid?

tell her if she doesn%26#039;t behave you will cut her out of the will

Concerned parent of an older kid?

I understand you are concerned but she%26#039;s an adult already and does not live under your roof anymore. All you can do is talk to her and pray for her. Prayer is the answer! Trust that you did a good job as a parent and thank God for the blessings.

Concerned parent of an older kid?

She is an ADULT.

Let her make her own life.

Concerned parent of an older kid?

she is 24 a full grown woman

let her make her own choices and she must deal with them

Concerned parent of an older kid?

you need to talk to her sit her down and talk to her

Concerned parent of an older kid?

she%26#039;s a grown woman. only she can make her own decisions. i know how you%26#039;re feeling really bad with regards to her actions, but she will run to you if she needs help, but make sure that you make her feel that you%26#039;re there to support her still, when she needs you.

Concerned parent of an older kid?

Sometimes they have to get in too deep to be able to rise above the sh*t. They do not realize what they had until it%26#039;s almost too late. Just tell her when she wants to receive some helpful advice to come speak with you; that is about all you can say to her.

Concerned parent of an older kid?

She%26#039;s going to make mistakes. Just be a good support system when she figures out how dumb she is being.

Concerned parent of an older kid?

you know sometimes the best thing you can do for your childeren is let them fall.

enabling is some of the worst behavior i have ever witnessed in parents. even at 24 our children often have a lot of growing up to do. it is so hard to keep ourselves from picking up the pieces for them. but some of us only look up when we are lying flat on our respective backs.

our children need our guidance and moral support at that age. the best gift you can give her is comfort and letting her learn from her own mistakes.

Concerned parent of an older kid?

as hard as this is for you, you have to remember she is an adult. you can%26#039;t stop her from doing what she is. probably the most you can do for her right now is be there when she falls. she needs to know that even though you don%26#039;t approve of her lifestyle, you love her and are there for her. you should seek some spiritual counseling so you will be ready when she asks for your help. good luck and God bless.

Concerned parent of an older kid?

seeing that she doesnt live with you, just make sure you let her know your there for her and you love her. pray for her too! sorry i couldnt say more...

Concerned parent of an older kid?

I understand that she is an adult. But your child is your child for the rest of your life. I understand why you are worried. I think you are being a good parent by trying to helo her. If she wont let you talk to her try mailing her a letter. That why you really have time to plan out what you say, and she will probley sit and read it. She will be able to do it on her own time so if somthing makes her mad she has some time to cool off and finish reading the letter. I am not sure this would be an option for her but mabey, you could ask her to stay with you for a little while she gets her debts payed down. It could cut back some of the time she is working, reduss her stress level which would make it easier to quit smoking. I feel that just becuase your child is 24 years old doesnt mean that they are always ready to take care of themselves totally. I mean it atleast shows she is trying if she is working that much. She might just need a little more guidence. I really hope that things work out. Good luck.

Concerned parent of an older kid?

well if she%26#039;s the kind of person that just doesn%26#039;t want to hear it, i guess you just have to wait for her to come crawling to our for help, because of course we know we can always go home and our parents will more than likely help us in anyway possible. She just needs to hit rock bottom first.

Concerned parent of an older kid?

your daughter is not a teenager anymore,she is going to makeher own decisions weather your going to like it or not.she needs to live and learn on her own.it must be upsetting for you to see it ,but unfortunately the best way is to let her come to you for advice .if you pry into her life style too much it will result into her distancing herself from you.and i%26#039;m sure it will hurt you even more.we all have to live our own mistakes and learn from them it%26#039;s a part of growing up,all you can do is tell her your there for her if she needs advice.

Concerned parent of an older kid?

Many people go through a %26quot;learning curve%26quot; like this- they get their butts in a sling and have to muddle through the stuff that comes with the poor choices. Because she%26#039;s 24, she is an adut, and as such, you don%26#039;t have any legal authority over her.

My suggestion is to let her know you love her, but don%26#039;t offer advice, don%26#039;t make the primary topic of conversations with her her debt or bad choices. Eventually (hopefully) she will pull her head out and realize that Mom/Dad really did know best... she might ask for advice and just maybe, she%26#039;ll follow that advice. She%26#039;ll be more likely to follow the advice if she asks for it instead of having it shoved down her throat (which is how she currently seems to view what you say).

Don%26#039;t bail her out, though, as much as you may want to. It will mess up the learning curve, and she won%26#039;t learn how to use her money wisely.

One book I%26#039;d suggest- for ANYONE who wants to financially suavy- %26quot;Five Things A Millionaire Taught Me About Life and Wealth%26quot; by Richard Paul Evans. Let her %26quot;catch%26quot; you reading it, be sure to practice it, too!

Untill then, keep loving her and praying for her. Best of Luck!

Concerned parent of an older kid?

Well, from what I read quite a bit of the people who have told you that she is an adult and you have to let her live her life ARE parents. Parents who have been through it and are going through it. I, as a parent, also recommend letting her live her life. The only way people learn is by making their own mistakes and learning how to correct them. She won%26#039;t learn if you continue to try to make decisions for her. The worst that will happen is she will file bankruptcy, which isn%26#039;t fantastic, but it%26#039;s not all that terrible either. She will learn in the long run that you need to maintain your car or you will have to spend money every year or so buying a new one. She will learn eventually that if she picks up after herself she won%26#039;t have to spend 2-3 hours doing it in one shot. And this guy she is dating, he may be a great guy, you haven%26#039;t met him yet and you didn%26#039;t say if you heard anything bad about him, just that he%26#039;s older.

When and if she needs your help she will come to you. Stop trying to discuss these things with her, she sees it as you trying to run her life hence the nastiness. She will be fine, mom. Have faith in the upbringing that you gave her. I%26#039;m sure you did a fine job getting her this far, now it%26#039;s up to her to get herself the rest of the way.

***********

I read another question of yours and all words that reference you a female, please replace with the male counterpart. Sorry about that.

Concerned parent of an older kid?

I%26#039;m sorry to say that even though she is always going to be your child she%26#039;s pretty well grown up. The best you can do is not be confrontational about the situation. Even though it sounds like she is acting pretty imature she still expects others to respect her as an adult, which considering she is 24 is understandable. Obviously she knows there is a problem because she is working two jobs to rectify it. As for the cigarettes, when people are under a tremendous amount of stress and have a smoking habit, for some reason it increases (it baffles me considering smoking is a stimulant but am told it%26#039;s the breathing techniques that come with smoking that are relaxing). It%26#039;s the catch 22, the more in debt you are the more stressed you are, the more stressed you are the more you want an escape (smoking), the more you spend on the escape the further in debt you go, and you are now back to debt causing stress. Now to consider the sleep schedule. As long as she is sleeping at some point during the day she will survive, if you are concerned because it clashes with your schedule you should try and adapt a little to hers so you could be with her (this is not meant to sound insulting, just observational). Bare in mind the information about her dating a guy 30 years her senior might not be acurate BUT if it is she might just be looking for financial security or could truly feel love for the gentleman.

What ever her issue(s) might be, until she is willing to talk to you and ask for your help there unfortunately isn%26#039;t anything you can do about it. It sucks, but that is life. One thing you can do, though, is let her know no matter what is going on in her life you will always be there for her and if there is ever anything you can do for her, be it a shoulder to cry on or to borrow (this is big, never, ever offer to just give it, but , also as a parent don%26#039;t really expect it back) anything that you will be there unconditionally. Also, remind her how much you love her and that you have faith in her decisions.

Good luck.

Concerned parent of an older kid?

She%26#039;s an ADULT. IF she wants to take care of herself then she must suck it up.If working 18 hours a day doesn%26#039;t push her to help herself then you aint gonna. She%26#039;s got to quit that crap or she%26#039;s sunk. Don%26#039;t worry that guys probably gonna pay for her bills and the she%26#039;ll dump um.

Concerned parent of an older kid?

I%26#039;m sorry to have to tell you, but she is an adult right now, If she comes to you asking for advice or help then you step in, or you can ask her about the situation and then depending on what she tells you, you either help or step back but honestly because she is an adult she is pretty much responsible.

Concerned parent of an older kid?

As difficult as it is, you have to wait for her to come to you, that might mean she has to hit rock bottom first, but she is no longer a child, be patient let her come to you and when she does don%26#039;t be judgmental, be her mom