Do you like this one? ladies! gentlemen?

%26gt; Men Are Just Happier People

%26gt; %26gt;

%26gt; %26gt;

%26gt; %26gt;

%26gt; %26gt; What do you expect from such simple creatures? Your last name stays

%26gt; put.

%26gt; %26gt; The garage is all yours. Wedding plans take care of themselves.

%26gt; %26gt; Chocolate is just another snack. You can be President. You can never

%26gt; be pregnant.

%26gt; %26gt; You can wear a white T-shirt to a water park. You can wear NO shirt

%26gt; %26gt; to a water park. Car mechanics tell you the truth. The world is your

%26gt; %26gt; urinal. You never have to drive to another gas station restroom

%26gt; %26gt; because this one is just too icky. You don%26#039;t have to stop and think

%26gt; %26gt; of which way to turn a nut on a bolt. Same work, more pay. Wrinkles

%26gt; %26gt; add character. Graying hair adds attraction. Wedding dress~$5000. Tux

%26gt;

%26gt; %26gt; rental~$100. People never stare at your chest when you%26#039;re talking to

%26gt; %26gt; them. The occasional well-rendered belch is practically expected.

%26gt; New shoes don%26#039;t cut, blister, or mangle your feet.

%26gt; %26gt; One mood all the time. Phone conversations are over in 30 seconds

%26gt; %26gt; flat. You know stuff about tanks.

%26gt; %26gt;

%26gt; %26gt; A five-day vacation requires only one suitcase. You can open all your

%26gt;

%26gt; %26gt; own jars. You get extra credit for the slightest act of

%26gt; %26gt; thoughtfulness. If someone forgets to invite you, he or she can still

%26gt;

%26gt; %26gt; be your friend. Your underwear is $8.95 for a three-pack. Three

%26gt; %26gt; pairs of shoes are more than enough. You almost never have strap

%26gt; %26gt; problems in public. You are unable to see wrinkles in your clothes.

%26gt; %26gt;

%26gt; %26gt; Everything on your face stays its original color. The same hairstyle

%26gt; %26gt; lasts for years, maybe decades. You only have to shave your face and

%26gt; %26gt; neck. You can play with toys all your life. Your belly usually hides

%26gt; your big hips.

%26gt; %26gt; One wallet and one pair of shoes one color for all seasons. You can

%26gt; %26gt; wear shorts no matter how your legs look. You can %26#039;do%26#039; your nails

%26gt; %26gt; with a pocket knife. You have freedom of choice concerning growing a

%26gt; %26gt; mustache. You can do Christmas shopping for 25 relatives on December

%26gt; 24 in 25 minutes.

%26gt; %26gt; No wonder men are happier. Send this to the women who can handle it

%26gt; %26gt; and to the men who will enjoy reading it.

Do you like this one? ladies! gentlemen?

Love it. Sometimes men are the smarter sex.

Do you like this one? ladies! gentlemen?

know to think of it men do have a good life

Do you like this one? ladies! gentlemen?

yes... this is exactly how i feel!!

it made me laugh!! 鈾モ櫏

The more we know about each other, the less politicians can scare us.Do you agree?

I believe that if you spend 10 minutes reading this essay, you will be better informed than if you listen to a lifetime%26#039;s worth of Major Media news. This article has two parts:

1. Cultural and general info

2. Political info.

Note: I%26#039;ve explained everything.Any answers before reading the whole thing will prove to be wrong.Specially the political part.I%26#039;ve provided evidance for whatever I say.It%26#039;s just the way it is.

****

Part 1: Cultural and general info

Hi. I%26#039;m a 19 year old Iranian who has spent his life in Iran.I study English.When I chat with people from other countries, I am shocked to see how totally wrong their ideas are about Iran. I wrote this article in an attempt to help correct those ideas.

The first thing America, and the West in general, accuses our government of is that we don%26#039;t allow personal freedoms. Actually, Iranians disobey laws they don%26#039;t like as much as anyone.There are only a few restrictions.It%26#039;s cool over here. People here do whatever they wish to! Many strict rules in other countries don%26#039;t even exist in Iran. Also, you should understand that what may seem so normal to you, may be a nightmare for us and vise versa.Some of Iran%26#039;s laws are based on OUR culture. You look at our country from %26quot;your own point of view%26quot;! In Iran every single house has a sattelite dish. Sattelite television has a serious influence on our people, and Iranians wear very fashionable clothing. Maybe it is a kind of imitation, but we still have our own unique Iranian style. A visitor might wonder if this is a country or a fantasy pageant of beauty queens! Almost women wear half their their hair out, and make-up and fashionable clothing are everywhere.I ignore a few fuddy-duddies though! We look at the world in a beautiful way, cos we know what%26#039;s it like! Many of you don%26#039;t even have a clue what%26#039;s life like in other countries! Buy a satllite.It%26#039;s worth it! I assure you!

You would be surprised to see the difference between what you imagine and what Iran really is!

In my view, everything is great, if you ignore unemployment, drugs, inflation and air pollution. (Common problems in today%26#039;s world?) Also, you can%26#039;t compare Iran today with the Iran you remember. The Shah and the Iatollah Khomini are both some 30 years in the past! 70% of Iran%26#039;s population is a new generation (Under age 30) without the biases of the past and we%26#039;ve transformed everything.

Ever heard Iranian girls are terrific?I%26#039;ve collected some photos showing Iranian girls! Look! Poeple are like this!

http://www.salijoon.ir/bazigar/hedye%20t...

http://www.30nema.com/images/gallery/30n...

http://i10.tinypic.com/4clk3us.jpg

http://tinypic.com/2d0nfao.jpg Enough proof?

Some people think women don%26#039;t have any rights in Iran. But in my view, women are overrunning the place. They%26#039;re very respectful, and they%26#039;ve been the winners in so many cases: They get into the best universities because they%26#039;re very smart. And they get the best jobs because they can do so many of them better than men. They%26#039;ve got Islamic rights, and that has in some cases made it difficult for men to marry them, because husbands are supposed to buy them expensive things and treat them very well, otherwise women have the right to ask a great amount of money (called Mehr) according to the law, which most husbands cannot afford, so men will be imprisoned.The only thing that women are not allowed to do in Iran is getting into public football stadiums and that%26#039;s because such places are full of cheeky guys. They do anything from taking part in rallies to singing pop songs.Anything! I%26#039;ve put a sample here.

Another funny thing: Your footage about stoning the women who have committed adultery. Have you ever asked yourselves how many years ago that footage related to? Are they balck and white or colourful? But in one case (related to many years ago) the thing that had happened was incest not adultery. Most of those footages are from Afghanistan which was ruled by freaks (Taliban) or the very early days just after Iran%26#039;s revolution! Otherwise you%26#039;d get new footages at least once a month!What exactly makes you think women are treated differently?The way they were/are treated in Saudi Arabia? Try to think of the racism in your country too. Each country has its own problems.I found a BOOK of the U.S problems and it got me dizzy! Iran has its own problems too.

Iran, Iraq and Afghanistan are --------- SEPERATE COUNTRIES! --------- Even within Iran, 60% of us are Persian and 30% are Turkish! Iran is a normal country like any other in the world. The Media are very good at creating really scary stuff: %26quot;IRAN BEHIND THE CLOSED DOORS!!!%26quot; %26quot;IRAN UNDERCOVER!!!%26quot; Some of that garbage would be enough to scare ME away! But in truth, Iranians are far more open-minded than you have been led to believe.

There are lots of Iranians today who are geniuses and scientists, and are all under age 25. For instance a 17 year old boy has invented 72 amazing inventions. Every year a special scientific compeition is held here and students assemble to show off hundreds of inventions. Iranian students and sportsmen win gold and silver medals in different competitions in the world all the time, in robotics, biology, maths, physics, sports, anything! Why don%26#039;t the Media talk about them? Please don%26#039;t summarize our nation and culture with the single word %26quot;nuclear%26quot;. Although we%26#039;re proud of this achievement because we believe that having nuclear energy means that a country is developed.Did you know that the countries having the highest number of scientists in the world are in this order? 1-India 2-Korea 3-Iran

A few months ago Iran uncovered the most effective anti-H.I.V medicine. I searched for news of that on the internet, but there was no single sign of it.Now, I found it among the English news: %26quot;The medicine is produced from herbs using nano technology%26quot; The link to read about it is: http://www.payvand.com/news/07/feb/1032....

The Media are unjust. They never talk about facts!

Some interesting facts:

Iran is a pioneer in medicine and genetics, and Iranian surgeons have found lots of new methods for treating spinal defects, and many diseases (mainly the treatment for different types of cancer) and the best brain and heart surgeons are Iranian.The pioneer in heart transplants and artificiall hearts and so on and so! (I%26#039;ve put two websites below) The head of the Mars Mission in NASA is Iranian. One of the best designers of sports cars working in Germany is Iranian. Some of the best 3D animators are Iranian. Iran is one of the best countries in counter-engineering. Holds the second place in building dams and in loads of other things! It%26#039;s one of the top countries in bio-technology and nano-technology. The 4th highest tower in the world (Milad tower) is in Tehran (visit it at this link from wikipedia: http://en.wikipedia.org/wiki/Image:Milad... ). 51 of the top 100 universities in the Mid-East are in Iran, and they%26#039;re among the top universities of the world as well. The champion weight-lifter, a woman the nobel peace prize are Iranian. The 6th top movie director in the world is Iranian.(Abbas Kiarostami) http://arts.guardian.co.uk/fridayreview/...

Iranian Director%26#039;s Film Wins Spanish Festival Top Prize - VOA News (September 25, 2004) These are just small samples.I can%26#039;t put every news about Iran here.Then you should visit press TV website.

Iranian girls are famous for being terrific. We have Persian rugs and Persian literature, many Persian poets, artists and scientists that are world famous. Iranian culture is now westernized and only a little of the ancient culture has survived. According to statistics Tehran is the cheapest capital city in the world (one Dollar =about 950 Tomans! For example you can buy windows vista for 1 Dollar here instead of 700 Dollars!!!wow!) There are many other things. How many pages would you need to describe a country? Iran has nearly all the industries and technologies found in %26#039;developed%26#039; countries. Oh, and we have four seasons! We get a lot of snow and there are skating rinks! lol The list is endless.

I%26#039;m gonna introduce Iran%26#039;s international news website to you (Press TV) which was established recently. It%26#039;s fully in English. In the %26quot;Sic / Tech%26quot; section you%26#039;ll always see Iran%26#039;s discoveries. The address is: http://www.presstv.ir/news.aspx Press TV news: Iranian scientists have registered more than 4800 inventions during the last Iranian calendar year of 1385 (April 21 2006-April 20, 2007). 4800 inventions in just one year!

The list of highly-respected Iranian scientists in the world: http://en.wikipedia.org/wiki/Modern_Iran...

The list of notable Iranian figures and pioneers: http://en.wikipedia.org/wiki/Contemporar...

An extract: Iranian medical community is a significant part of medical community in US and Europe

Enough evidence?

Some people think Iran is a desert! Well, it is, if you consider California a desert. We share the same latitude. Iran is a modern country with breathtakingly beautiful nature and lots of historic places to visit. Please take a look at the following links to see if Iran looks like what you think or not! This is a photo of Tehran (Awesome, Isn%26#039;t it?): http://upload.wikimedia.org/wikipedia/co...

http://en.wikipedia.org/wiki/Tehran

If you like you can visit these too, hundreds of pretty photos from the cities, nature and historic places: (It%26#039;s like a free tour!)

http://en.wikipedia.org/wiki/Image:Hills...

http://www.pbase.com/k_amj/throughout_ir...

http://www.pbase.com/k_amj/throughout_ir...

http://www.pbase.com/k_amj/throughout_ir...

http://www.bigsoccer.com:80/forum/showth...

http://www.bigsoccer.com/forum/showthrea...

http://www.bigsoccer.com/forum/showthrea...

http://en.wikipedia.org/wiki/Iran

Some people think music is forbidden in Iran. %26quot;Music of Iran and Iranian musicians have received countless awards in the course of history. Every year from 1977 to 2007.Evidence? http://en.wikipedia.org/wiki/Music_of_Ir...

I send Iranian music to my American and Canadian chat friends and they all say they%26#039;re some of the best songs they%26#039;ve ever heard.

Here%26#039;s a sample of the latest hits from two official Iranian music websites.You can just right click on the links below and choose %26quot;Save Target As%26quot; to download them.I guess you%26#039;ll fall for it! Iranian music is just modern pop and the best sort of it.

1.(You know this: 2007) http://download.bia2music.com/Music/Iran...

2.(Hold my hand: 2007) http://www.sarzaminmp3.com/Sarzaminmusic...

3.(The wetness of your eyes: 2006) http://download.bia2music.com/Music/Iran...

4.(I just want you: 2003) http://download.bia2music.com/Music/Iran...

5.(The rain: 2007) http://download.bia2music.com/Music/Iran...

6.(The window: 2005) http://www.sarzamin.org/Sarzaminmusic/Pe...

7.(Keep me in your memory: 2005) http://www.sarzamin.org/Sarzaminmusic/Pe...

8.(Farangis %26quot;A female name%26quot; 2007) http://download.bia2music.com/Music/Iran...

9.(The distance: 2007) http://www.sarzaminsong.com/Sarzaminmusi...

10.(Sunrise: 2007) http://www.sarzaminsong.com/Sarzaminmusi...

11.(Stop world:2006) http://www.sarzaminmusic.com/Sarzaminmus...

12.(You can%26#039;t: 2007) http://www.sarzaminmp3.com/Sarzaminmusic...

And so on and on!

It%26#039;s now 2007 and most people still think we are uneducated people living in deserts, riding camels!

Part 2: Political info.

Let%26#039;s clarify some political issues as well: Some of the Americans think that president Ahmadinejad hates the U.S and Israel and wants to nuke them!! The Media are good at putting lying comments out there. I really don%26#039;t get the point why our politicians defame themselves by talking about things that have got nothing to do with us. The thing is that they occasionally make some statements that the media would make them controversial topics to interest its viewers! For example they pick up some specific phrases of a long speech (without refering to the main points and reasons for that speech) and put so many bad comments on that.

First of all, Iranians don%26#039;t hate anyone. If our government complains about some injustice going on in the world, it%26#039;s not bad, is it? (Although what we want from them is to shut up and not get us into trouble by talking about things that are none of our concern) We hate neither Jews nor Americans. How would our guys dream of America, want to be like them as much as possible, and hate them at the same time?! SECRET: Iranians are the only people in the Mid-East that are pro-American! Being agaisnt the U.S policies is a different story! We live basically the same lives.Don%26#039;t look at the way women dress at the public places! You%26#039;ve got to see them in other places!I%26#039;ve got to say that for Iran, Israel is not equal with Jews! Israel is a gov%26#039;t. Jews are faithful people! A few of them live here in our neighbourhood and they live just like the rest of Iranians. (20,000 Jews and lots of Christians live here! Iran%26#039;s different!) And two of Iran%26#039;s parliment members are Jews. Who says we want to force others to convert to Islam? Have you ever found a Muslim knocking at your door asking you to do so?

Christians and Jews are both God-believers and respectful to us. In Iran, religion is one of the least important factors. Where you come from and what your religion is are not important to us at all.

I wonder who Iran is really a threat to. Is it logical to say someone%26#039;s guilty because we THINK / PREDICT that he%26#039;s going to do something wrong? And they repeat the same %26quot;nuclear weapons%26quot; tosh over and over and brainwash people! Correction! It%26#039;s %26quot;nuclear energy%26quot;. Besides, how many %26quot;nuclear weapons%26quot; do they have themselves? Hundreds of thousands? Has Iran ever attacked any countries? No. Has it developed any nukes? No! That%26#039;s what nuclear agency says. Only Iran%26#039;s opponents are pulling Iran%26#039;s leg and what they say is just based on political conflicts. What we%26#039;re doing is legal. Iran is a peaceful country. Why? It%26#039;s the regional super-power and if she wanted, she could easily invade the countries in our neibourhood just like what Saddam did to our country, but as you see Iran has peaceful relations with all of them.

Some people say he said: Israel should be wiped off the map! the thing is that he exactly said: %26quot;The Imam %26quot;Khomeyni%26quot; said this regime occupying Jerusalem must vanish from the page of time.%26quot;They%26#039;ve only told you this phrase not the whole thing and it%26#039;s mistranslated intentionally. Besides, they%26#039;ve been saying such things for a long time.It%26#039;s their habit.Here%26#039;s an article.%26quot;Wiped off the map....The roumor of the century.Read how the media and the U.S newspapers have twisted it into a controvertioal topic. http://www.antiwar.com/orig/norouzi.php?... I don%26#039;t like the way he speaks frankly, but admit that other presidents say many terrible things too, but the media doesn%26#039;t pull their leg so much!

Now you see that you were wrong.Iran has always defended itself, but it%26#039;s not an offensive country.

Some say he%26#039;s said: %26quot;The Holocaust is a myth!%26quot; Again, this is a single phrase taken from a long speech and there are totally logical reasons for saying so. If 6,000,000 Jews were killed, that%26#039;s terrible, but 300,000 Shiite Moslems killed by Saddam aren%26#039;t important at all? Over 650,000 Iraqi people are killed and that%26#039;s not important?! When Fox News simply says that America and Israel are capable of destroying and killing Iran%26#039;s population of 69,000,000 within two weeks, it%26#039;s OK and no one says they%26#039;re threatening other countries to nuke them (I saw this with my own eyes on the Fox News website) Millions of people killed in Afghanistan, Hiroshima %26amp; Nagasaki and the Vietnam war are not considered human beings at all! Now I think you%26#039;d get the point why he%26#039;s IRONICALLY said it%26#039;s a myth. Moreover, don%26#039;t you believe in freedom of speech/mind?

Some countries are using Iran as a scapegoat to put the blame (for their own faults) on.

This part is just for Americans:

Those of you who say why Iran says %26quot;Death to America%26quot;:

1. %26#039;America%26#039; to us means the U.S govt, not the people. How do you expect Iranians to mean %26quot;American people%26quot; when our media admires Americans for marching and holding up %26quot;no war%26quot; placards?! Also, I see a lot of %26quot;Let%26#039;s nuke Iran%26quot;s on YA.Isn%26#039;t that a kind of %26quot;Death to Iran%26quot;?

2. The new generation don%26#039;t say such things and if some of them occasionally march in the streets that%26#039;s because some of the stupid guys enjoy making noise and they mainly go out there to meet their girlfriends/boyfriends! Strange. Isn%26#039;t it?

3. Such mottos are not just said in Iran and as you know whatever you hear is a response to the U.S govt%26#039;s terrible actions which has made life for many people hell (You wouldn%26#039;t deny that attacking countries is a mistake. Would you?)

4. The U.S gov%26#039;t helped Saddam attack Iran and I hope you know which country gave Iraq biological weapons which killed a million Iranians.

5. America hit an Iranian airplane over the Persian Gulf and killed 200 passengers for no reason.

6. America places sanctions on Iran, promotes a false image of Iran and Iranians, scares tourists away, and harms our economy, development and credit. To what purpose?

When you call Ahmadinejad a nutcase for what he%26#039;s said, what do you call Bush for his actions? I mean it%26#039;s a good idea to consider what Bush is doing to the world with his wrong decisions and lies. Bush is powerful and influencial, but Ahmadinejad is nothing.He%26#039;s even failed to control the inflation

.

To those who are upset with American hostages taken for 444 days:

1. Firstly, It%26#039;s related to so many years ago and it%26#039;s almost a part of history, and don%26#039;t forget that when there%26#039;s a revolution, there%26#039;d be chaos and people may do things that they should not, moreover they%26#039;re all alive and healthy. Aren%26#039;t they?

2.The U.S has arrested Iranian diplomats in Iraq and had tortured the one who was freed. Now you decide who has the right to be upset with whom. How do you believe in their lies about politics when they hide both the most and the least important things from you considering the fact that politics is the world of lies in its nature?!!!

If you like to insist on your theory of attacking Israel, I%26#039;ll tell you our logical theory: %26quot;The moment that Iran attacks Israel, Iran will be wiped off the face of the earth by the U.S and its allies.(Thought this twisted phrase is familiar to you) and Iran is far more logical than doing such a stupid thing%26quot; So, forget about it.I%26#039;m quite sure you know that all the events and lies in the world are a part of a pre-planned scenario by major world-powers (Iran as an important country has always been a part of their plans)And the first step is to brainwash people.They excactly know what will happen even 50 years later! I think Iraq is such a good example.Attacking it with the excuse of removing Seddam while they%26#039;d put Seddam there themselves and had supported him for years! The same is true with Al Qaida if you do some research! But in this particular case Iran and the U.S were co-operating in fighting the terrorists in Afghanistan.

When we think of the U.S, we think of its greatness and its countless %26quot;positive points%26quot; not its president.When you think of other countries, you think of their presidents or a nation as a whole?! No gov%26#039;t in the world is representative for its people.Try to judge everyone righteously not just by a few things that you find as %26quot;negative points%26quot;.

Isn%26#039;t it better for both countries to forget past conflicts and to have peaceful relations? Our two gov%26#039;ts are like 10 year old children playing a stupid, harsh, rhetorical game. They don%26#039;t care about hurting people%26#039;s feelings. They just try to make our two peoples enemies to achieve their own goals. We, as the people of these countries, MUST NOT allow these conflics into our hearts. Now, what do you think? You%26#039;ll have elections soon and we%26#039;ll have one in 2009.You just vote for a Democrate and we%26#039;ll find someone who%26#039;d get along with the U.S (Our former pres is a nice bet).Deal?No matter how much they hide this fact, but if Iran and the U.S co-operate with each other, not only the Mid-East crises will be solved but also it%26#039;ll have a great positive impact on the world.I can%26#039;t wait to see both nations in peace. It%26#039;d be marvelous!

BTW, Did you find my article informative? : )

Thanks for your time

The more we know about each other, the less politicians can scare us.Do you agree?

Hello! I am so happy to see this! I am a 25 year old American woman. I agree with you so much! I am so sick and tired our children being taught fear and hatred. Americans (including myself) are hidden from the truth about anyone who is different in order to instill fear, to avoid any chance of an overthrow of government. I find Iranians very beautiful and you seem to have a very beautiful and enriched culture. Thank you so much for this and I really hope that more people take the time to consider what you have said. Best of luck and send me e-mail if you%26#039;d like.

The more we know about each other, the less politicians can scare us.Do you agree?

Our own government is far more dangerous than any other! We%26#039;ve got vast resources, a media duped public, or commerce consumed sheep. Report It

The more we know about each other, the less politicians can scare us.Do you agree?

Yup, I%26#039;ve seen your essay before.

Most of us don%26#039;t think Iranians are bad people. We%26#039;re just afraid that your government is unpredictable and dangerous. Ahmedinejad makes veiled threats regularly, and we never know if he might follow through.

I would love to reach a day when Americans and Iranians were once again friends, but you need to change your government first. Probably we do too. But our change is already scheduled for next year. When is Ahmedinejad done?

The more we know about each other, the less politicians can scare us.Do you agree?

Salaam,

What Bush has done in the last 7years, he%26#039;s injected severe fear in Americans blood. Most Americans are terrified of the unknown and mostly for the things that are not even exist!!

There%26#039;re many who want to know the truth and fix the problem but Bush and his administration has done a great job of holding them back!

Where the best place to get a home loan for first time home buyers?

Now none the less my husband had a bank rucptcy about 3 years ago but he got a loan for a car right after thats but his credit is less then perfect right now and he%26#039;s the sole provider of the family i say at home going to college and taking care of our two year old son. where would be the best place to try to get a home loan from?

Where the best place to get a home loan for first time home buyers?

FHA loans. Right now it%26#039;s pretty tough with out a downpayment when you have less than stellar credit

Where the best place to get a home loan for first time home buyers?

i was a 1st time homebuyer and we met with a mortgage broker that we met through our real estate agent. we went FHA. you do need a 3% down payment on FHA. because of the high foreclosure rates FHA is working with more people and trying harder to get more people into houses so a bankruptcy isn%26#039;t necessarily the kiss of death for a mortgage. you should meet with a broker who can better assist you! best wishes

Where the best place to get a home loan for first time home buyers?

Which state do you live in?i can help you add some more info so i can inform you of where is a good place to start. But to be honest with bad credit and just one income i am guessing it is going to be very hard to get approved. even the FHA loans require somewhat good credit.

Where the best place to get a home loan for first time home buyers?

Let me give you a great piece of advice... SHOP, SHOP, SHOP around before borrowing money on a house. Try your bank first, they will have a good lead for you and might even do the loan. Mortgage brokers are interested in one thing, that is the sale... So be very leary of them. I am with Chase, very pleased and have a good rate. Another good piece of advice is make sure you get a LOCKED in interest rate. If you don%26#039;t your payments can adjust every few months without warning and you could go from a 1,200 a month note to a 2,000 one in a heartbeat. Also, make sure you get your homeowners insurance and property taxes to be added into your loan in an escrow account. That way you have them paid for each month and you wont have to worry about that big bill once a year. And finally, If you do get a mortgage, pay the monthly bill according to your payday. So if you get paid every other week, pay half the mortgage each payday. It is much easier to pay half on payday, than to pay the whole thing once a month. If you do the math on this method, you will have paid one extra payment a year, and this knocks off a whole lot of interest. I think you need to be concerned with your husband%26#039;s past credit history considering that you are in school right now and you have children, but you never know till you try. Pre-qualify and see if you should start house hunting......Best wishes

Where the best place to get a home loan for first time home buyers?

You might have a hard time here. Lenders want two years of seasoning on the BK, but it depends on what %26quot;less than perfect%26quot; is. If his credit has been improving, you may be able to get a loan or one that isn%26#039;t based on FICO scores.

Talk to a local lender about programs in your area that you may qualify for. There are some great FTHB bond programs and such that internet lenders won%26#039;t have available to you.

Is this common among all?

I got married 4 yrs back. no child yet. my husband was jobless for a few months 2yrs back and he did all sorts of things like pledging my jewels , making me believe he is in a job, and drinking habits etc . He doesn%26#039;t have any savings right from my marriage till date. I am also earning. After that incident we were separate for 1 month and he was advised not to repeat this. Then he got a job of less salary that time I was earning bit more than him taking care of most of the household expenses repaid the debts etc again he was in the drinking habit but I wasn%26#039;t aware of it bcoz I never got an inkling about it he always came late home he used the credit card to his wish and again there was debt I cleared it. after sometime I came to know that he is in the drinking habit and again we were separate for 2 months. he told me that he drank bcoz he was earning lesser than me. Now he has got a better job with better salary. But I am really hurt with all these incidents. and all these things are

Is this common among all?

It was a common thing that men get less salary than woman but its not common to drink for this reason if he is earning less salary then if U ill treated him then if he says that he drink then it was a common one if not it is not a common one.

Is this common among all?

This is not common But you need to be careful.

Is this common among all?

divorce him

that%26#039;s a lie to say he drank because you were earning more money

he drink because he likes to drink

and has a serious drinking problem

which should not be your problem

if you don%26#039;t file for divorce tomorrow morning

it will only get worse

and the debt will pile up

and you will be stuck holding the bill since you are the only %26quot;sane and sober%26quot; one in the dysfunctional relationship

Is this common among all?

It may be common with certain types of losers. Keep your eyes wide open. Keep your debt under control. Thankfully you have no children yet. Give it some time for him to prove himself better than he%26#039;s already shown you. Best Wishes!

Is this common among all?

People give various reasons for drinking... earlier your hubby said he drank because he had no job, then because he was earning less than you and now he would say he is earning sufficient.... there is no end to reasoning... if happy then drink, if sad then drink or stressed out drink....

I know that it would hurt you a lot... but you seem to have taken almost everything in your stride... hold out for some more time and try to reason with your hubby not to drink and save for the future and i sincerely hope it works out for you.

All the best in your life !!!!!!

Is this common among all?

well....do u luv him?do u feel it is worth if u give him onemore chance? can u make him realise the trauma u went through in those times and wud he fell sorry abt it? Wud he be able to give u the confidence that he wud keep uhappy? think of all this, find an answer, be true to urself and then decide ur further action. ALL THE BEST.

Is this common among all?

I%26#039;d say .. give him another chance with a WARNING that if he%26#039;s back to his bad habbits that he%26#039;ll be out of ur life for good and let him take care of the most household expenses and see if he can be a responsible husband .. when u run out of patience is the time when u r ready to leave him but u still have a little patience within u that%26#039;s why u posted a question here so remember .. one more chance with a serious warning

and PLZ dont make a baby at the moment

good luck

Is this common among all?

Don%26#039;t have a child with him, he is a loser, trying to blame you shame on him! Get rid of him now before this gets worse. If he is not willing to go to AA and stay sober, he is not worth your time! Alcololics always think it is someone else%26#039;s fault and have no problem blaming you or others for their drinking. Be strong and toss his butt and stuff out! Stick to your guns or things will be worse down the road..

Is this common among all?

he%26#039;s a drunk alocholic he needs help you cannot give him..... leave as he%26#039;s going to bleed the bank acc%26#039;s dry and your get hung with the bill from a booze hound..... who drinks 4 any reason..the silly man

Is this common among all?

Hi there, life does has its ups an downs,i hav learnt thus far on my brief journey on the planet, we allow people to either enpower us or them be enpowered,life has a wonderful way of showing us our weaknesses,and our strengths,make this an opportunity for you to stride ahead,everybody on the planet goes thru all sorts of dilemma%26#039;s and yes some are worse than others but its all relative,chin up move ahead.........someone once said nothing changes if nothing changes.........take care because i do really believe we are all connected,so wat do u want to change in your life to bring fufilment in it,its%26#039; your choice and your%26#039;s alone,till next time.......THE WIZARD

Is this common among all?

I would say to go to marriage counseling and to money counseling....and aa if that does not work then don%26#039;t let him have a card give him the amt. of money you think it is ok to spend....You have no choice...let him know that you will leave him and give hima month or 2 to change good luck honey..also try God, and chrch that works too...

Is this common among all?

this man seems to be a careless person. it is very hard for anybody to change his basic quality. and your husband is basically a selfish and careless man. if you decide to live with him your life is going to be full of thorns. each day u ll have to struggle to find yourself. i know divorce is not easy but i don%26#039;t find any other option........see yourself from someone else%26#039;s eyes.... don%26#039;t u feel pity for you?... would u like to spend your life like this?....would u like to be called a bechaari?... would you tolerate him for your entire life?.....think before expanding your family....

Is this common among all?

All the facts you mentioned here is nothing to do with any legal issue relating to your matrimonial life but since it relates to drinking habit of your husband so I thought let me share my life experience with you. I%26#039;m running my fiftieth year %26amp; have been married for almost 26 years. I have been taking alcoholic drinks regularly since my marriage time %26amp; even had habit of smoking. Although my wife never objected to my habits but she only told be occasionally to control both these habits. About two years back I simply stopped taking alcoholic drinks %26amp; till date I have not touched these even on any occasion. Similarly I stopped smoking a month back just like that %26amp; have not touched it till date. Both these habits one can leave only if he or she has willpower, which fortunately I had. I could only give up smoking after two years after I gave up alcoholic drinks as it took me two years to get guts %26amp; willpower to give it up. NO one even my doctor friends ever told me or forced me to leave both these, they only suggested sometimes %26amp; knew that I won%26#039;t give them up these, but now when they meet me %26amp; they are all surprised that a chain smoker %26amp; big boozer can give both these habits in one go. Tell my example to your husband, don閳ユ獩 force him just make up his mind %26amp; gain will power to get rid of this drinking habit, definately he will give up. My married daughter when came to know that I left both these habits was the most happiest person as she had seen me drinking %26amp; smoking through out her childhood. So best of luck days will change for you too.

Is this common among all?

Manage yourself to bring him in the right direction through your love and affection .

Is this common among all?

only you are the best judge to decide what to do with him

you loves him and this is why you are suffering

you can not stop your love for him but try to live without him and go for temporary separation

this will help you to analyse your situation and you will come to a decision to live with him or leave him

Is this common among all?

This problem is common among most of the middle-class indian women. Like one Tamil poet once said, %26quot;Robbery cannot be abolished, unless robber decides to quit%26quot; , are these drunken people. They cannot be put into right path unless they decide for a reformation. But putting them into right path is in the hands of person who are close and around him.

When we find things going out of our hand, it is high-time for us to take necessary steps to stop it. When social bond to stop his drinking habits fails its better to approach scientific method. You go for counselling. Take him to a good counsellor and let him go the treatment. Or else consult a good doctor, who can recommend you certain spray or medicine that makes the very taste of the liquor, sour.

If he does not abide by this... leave him with unconditionally and come to your home and leave separately. Let him repent and call you back. But keep a close eye on him.

Is this common among all?

No this is not common.. he is very irresponsible to a family life. Its real nice of you that you have handled all these so far for many years and worst of your time time and still has feeling to bring best of things in your married life. but he is not even trying to understand that. With so much hurt feeling i don%26#039;t think one can love a person so its all right not to feel love on him and also ti have hate feeling for him.. You cant boil your blood everyday on him so go for a drastic steps with ultimatums. You are independent women and just Tell him to behave like responsible man or else you don%26#039;t mind leaving him. but don%26#039;t accept any of his arguments as all he said does not make any sense.. all he does does not make any sense.. You are right in all ways and you have right to be happier than him..

Is this common among all?

He sounds like a total jerk!!!!

He seems to be a person who doesnt not take any responsibilty because he feels inferior to you since you are strong and have a mind of ur own. If your living a life of compromise then you have to rethink your life again. Do you love him so much that you dont mind bearing his stupidity for the rest of your life. Unless he shows some strong indications of change and some respect and consideration for you and your feelings, I feel you are compromising your life just for a social security of marriage.

I think women should not take such crap from men. Imagine how he would have reacted if you did not live up to his expectations...would be still with you??

Buying/Selling/Renting a home?

Ok, so I have a few questions. I hope somebody [who actually knows what they%26#039;re talking about to some extent] can help me out.

I%26#039;m 20 and my husband is 23. We just bought out fist house about... four or five months ago... I love our house but, the problem is that I want to start an in-home child care business in the near future and though our house could handle it, I%26#039;d like to have more space.

I know the market is horrible right now and selling this house would be nearly impossible but, my mom and her boyfriend [luckily] are interested in it. The problem is that both of them have pretty bad credit and are a bit in debt. Is there any way they could get a loan? If not, is there another option for them to be able to get it? I%26#039;ve heard about... land loans?... or something and renting to own but, I know nothing about either. Do you know anything about it? Would they be able to do that? %26amp; if we did do something like that, would it affect my husband and I buying a new house?

Buying/Selling/Renting a home?

short answer...they need to apply for a loan. The other option for them to get in is to lease it from you with an option to buy. Yes, it does affect your ability to borrow so before you lease to them you need to talk to a lender and see how leasing your first home would affect your ability to borrow money for the next house. Good Luck!!!

Buying/Selling/Renting a home?

what a great question. Am a RE broker.

lending is based on a myriad of things, including debt to income ratio and credit history.

IF, therefore, you sell your house

CREATIVELY [and I am an advocate

of doing this]--you are still

100% responsible for the mortgage

until cash comes to you from any source to pay it off. I am guessing

therefore, that you would have a very difficult time obtaining two FHA

residential, insured loans, concurrently--[from what you

volunteered in your query]

having two at the same time.

Why not---do the odd thing and

sell your house via lease option

[thus keeping you legally responsible till it is paid off] and

lease -purchasing your next home!!!!

[if it works for them through you,

it can work for you to get what

you want!]

Land loans and the like are all great

creative ways of buying and selling

but do not RELEASE the pressure

on your credit ratio.

Here to help further if needed.

Buying/Selling/Renting a home?

Why don%26#039;t you start your business in this house first? If it takes off and you need more space, that gives the market time to improve, your mom and BF time to improve their credit and such.

If you do rent to own, the mortgage is still your responsibility, and unless you have sufficient income, you are not going to get a lender to give you another mortgage. But if you do get another mortgage, you are a landlord, if mom and BF don%26#039;t pay, your lender is still going to want their money.

Buying/Selling/Renting a home?

It%26#039;s extremely important to understand that with a little time and the right approach getting the absolute best mortgage refinancing is not a huge problem.Companies/businesses that arrange financial products of this nature%26lt;!--usually are very profitable and it%26#039;s a good idea to remember where all the money is generated from. You, the customer are the root of their profits.

http://mortgages-finance.awardspace.com/

Once you need to finance the buying of your own home with a mortgage, it%26#039;s very important that you do your research properly and understand all of the variables. When it is essential that you get the absolute best mortgage refinancing--%26gt;enter into some research and groundwork on your own because the Internet can equip you with an absolute pot of gold of very helpful data when it is essential that you get the best mortgage refinancing.

Telemarketer fun?

1. If they want to loan you money, tell them you just filed for bankruptcy and you could sure use some money.

2. If they start out with, %26quot;How are you today?%26quot; say, %26quot;I%26#039;m so glad you asked, because no one these days seems to care, and I have all these problems. My arthritis is acting up, my eyelashes are sore, my dog just died . . . %26quot;

3. If they say they%26#039;re John Doe from XYZ Company, ask them to spell their name. Then ask them to spell the company name. Then ask them where it is located, how long it has been in business, how many people work there, how they got into this line of work if they are married, how many kids they have, etc. Continue asking them personal questions or questions about their company for as long as necessary.

4. (This works great if you are male) Telemarketer: %26quot;Hi, my name is Judy and I%26#039;m with XYZ Company. %26quot; You: Wait for a second and with a real husky voice ask, %26quot;What are you wearing?%26quot;

5. Cry out in surprise, %26quot;Judy? Is that you? Oh my God! Judy, how have you been?%26quot; Hopefully, this will give Judy a few brief moments of terror as she tries to figure out where she could know you from.

6. Say %26quot;No%26quot; over and over. Be sure to vary the sound of each one, and keep a rhythmic tempo, even as they are trying to speak. This is most fun if you can do it until they hang up.

7. If MCI calls trying to get you to sign up for the Family and Friends Plan, reply, in as sinister a voice as you can, %26quot;I don%26#039;t have any friends, would you be my friend?%26quot;

8. If the company cleans rugs, respond: %26quot;Can you get out blood? Can you get out goat blood? How about human blood?%26quot;

9. After the Telemarketer gives his or her spiel, ask him or her to marry you. When they get all flustered, tell them that you can%26#039;t just give your credit card number to a complete stranger.

10. If the Telemarketer is selling raffle tickets, tell him or her that you work for the same company, and that employees cannot participate.

11. Answer the phone. As soon as you realize it is a Telemarketer, set the receiver down, scream, %26quot;OH MY GOD!%26quot; and then hang up.

12. Tell the Telemarketer you are busy at the moment and ask if he/she will give you their home phone number so you can call him/her back. When the Telemarketer explains that telemarketers cannot give out their home numbers say, %26quot;I guess you don%26#039;t want anyone bothering you at home, right?%26quot; The Telemarketer will agree and you say, %26quot;Me either!%26quot; and proceed to hang up.

13. Ask them to repeat everything they say, several times.

14. Tell them it is dinner time, but ask if they would please hold. Put them on your speaker phone while you continue to eat at your leisure. Smack your food loudly and continue with your dinner conversation. For added effect, clanging of cutlery and dishes is recommended.

15. Tell the Telemarketer you are on %26quot;home incarceration%26quot; and ask if they could bring you some beer.

16. Ask them to fax the information to you, and make up a number.

17. Tell the Telemarketer, %26quot;Okay, I%26#039;ll listen to you. But I should probably tell you, I%26#039;m not wearing any clothes.%26quot;

18. Insist that the caller is really your buddy Leon, playing a joke. %26quot;Come on, Leon, cut it out! Seriously, Leon, how%26#039;s your momma?%26quot;

19. Tell them you are hard of hearing and that they need to speak up... louder... louder!

20. Tell them to talk very slowly, because you want to write every word down

Telemarketer fun?

Even my dog is laughing. I hate telemarketers. The only people who call my landline. I just dont answer anything but my cell now.

Telemarketer fun?

You made my day!! My sides hurt so bad. You get a star!!

Telemarketer fun?

I%26#039;ll use some of these. I tend to answer the phone in Japanese. My friends all know I do that, but a telemarketer won%26#039;t know what to do.

(%26quot;Moshi moshi%26quot; is how the Japanese answer the phone.)

Telemarketer fun?

HA awesome my favorite one is when they ask for some one tell them they died or they were kidnapped or I sometimes try to sell them something like my old car or sometimes myself( that usely gets them)..in short who needs the tele zapper it makes life less interesting and semper phi

Telemarketer fun?

Thanks for the good laugh. I made a copy and am going to put it by the phone. Watch out, telemarketers!

Got one the other day that was so intent on reading her script, she kept going despite words like excuse me, I don%26#039;t want this, and I started to say, and don%26#039;t call here anymore, and she hung up. That was the dove Institute. It has nothing to do with soap, or being 99% pure. Claimed to be a kid%26#039;s charity. Yeh, I bet. From my pocket to your kid glove, to be worn on your world tour.

I%26#039;d give you ten points for putting this in answers.

Semper Fi!

Telemarketer fun?

Number 12 is the best!

Telemarketer fun?

It%26#039;s even funnier in the etiquette section! Thanks!

But FYI, some telemarketers are instructed never to hang up no matter what. These can be relly fun but when you tire of the game you will have to be the one to hang up.

Telemarketer fun?

Great ideas!

Another idea, tell them you have plenty of time to talk, but you need to get rid of the person on the other line. Then, set the phone down and walk away. Don%26#039;t hang up. Just leave.

Telemarketer fun?

These are all great.... telemarketers are stupid they wont understand reasons when you don%26#039;t want to talk to them i will surely try one of these next time I%26#039;m talking to them.. on the other hand I%26#039;m afraid there are already people who do all these things you said and they are supposed to be %26#039;normal%26#039; i work in a call center i don%26#039;t make calls i RECEIVE them and its pretty much about customer service and i guess it wasn%26#039;t all that funny to me %26#039;cause people already do these things to irritate you when you are trying to help them and you are the one receiving the call!! =( why are people so mean?

Telemarketer fun?

As if their job isn%26#039;t difficult enough already? They%26#039;re just people trying to make a living- it%26#039;s not exactly a hobby. They are not stupid, as the previous poster so kindly says, they are people who need to make some money and deserve as much respect as anyone else who is simply doing their job. It%26#039;s not a fun job, but it pays well, and some people don%26#039;t have any better options. Being treated like s**t for trying to earn an honest living just adds insult to injury.

Telemarketer fun?

What a t..... thing.....?? what does tele... whatere, mean?

Telemarketer fun?

hahahah i%26#039;m a telemarketer...i don%26#039;t sell anything just offer free estimates.. (yeah it%26#039;s sucks and i don%26#039;t give a damn about the people i call cause i don%26#039;t know them and hey i get paid $10 an hour and sometimes more..i would never do it for a living though..just a part time job).. but yeah i%26#039;ve heard like 80% of those and i joke along back =D it%26#039;s fun. i make up accents too...and sit on my *** and get paid for it. it%26#039;s not that bad if you make the best of it. and the people that joke with me are what makes it fun. =) some people are just plain rude though..

Tax preparation, summer internshp. Should I fill non-resident in both states?

I%26#039;m a resident of the state of Illinois, and I had a summer internship (summer 2007) in California. How should I fill the state taxes? Does any of the following options sound reasonable?

1. Fill Illinois state tax as resident (IL-1040, or their free webfile), and fill California%26#039;s 540-NR? The problem with this one is that Illinois wants to overcharge me and extra $300 for the days I%26#039;ve been in California.

2. Fill IL-1040 and IL-1040-CR and CA-540-NR to get a credit for the California tax in my Illinois forms/

3. For both states, fill as non resident or partial resident. (IL-1040-NR, CA-540-NR). The only problem here is that is that in IL-1040-NR there is no way to mention an exit date AND and a re-entrance date.

4. There is a final option of letting a software such as H%26amp;R TaxCut take care of it, but of course I hate to part with $30, which it charges for state tax filing! I%26#039;ll be ok with filling the required forms myself if I just knew which strategy to choose.

Tax preparation, summer internshp. Should I fill non-resident in both states?

Your obvious answer is to go to a tax professional. I live in No. IL. You need to file a Ca. return depending on how much they withheld. Then you will file to IL and claim the credit paid to CA. Help yourself out and go to a professional and get it done correctly. You%26#039;ll be happy you did.