I’ve looked up and called Financial Advisers and all I hear from them are "oh yeah, we can give you a zero percent interest credit card to consolidate your unsecured debt and we’ll get you invested some really great funds." The thing is I’m not interested in investing (YET). I’m not looking to consolidate my debt either. I want to have someone look at what is coming in each month and where my money is going and then for them to say "Do this… and then do that. Cut out this… do this for your property taxes, etc… "

My question is: what are those people called? I’ve tried looking up Financial Advisers and all I get are the investment people and when I search for other types of financial help, I find debt consolidation. I don’t want either. Any ideas?

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I can think of Japan, Australia, and Canada

Japan just got hit with a major Earthquake so we support them, which is fine but they are not going to help us out with our problems tell they get back on their feet. Since they have the highest debt out of all the countries so they might be out of the game for a long while.

Canada is a divided country between the English provinces and the French Provinces. So are allies are basically West Canada because the East hates us and the West side is almost nothing compared to the East side of the Country.

Australia is just… What is are relationship with Australia? I know we are allies but do we serve each other a purpose?

I know some of you might be thinking, "What about France, Great Britain, and Israel."

Great Britain is in a mess because they have a major economic problems and they think inflation is going to fix their problems. But wait, it’s not. They are having the same economic problem we were having a couple of years ago but worse. So the last thing they are trying to do is help us when they can’t even help themselves

Then there is France. Just like the French Provinces of East Canada I don’t think France likes us. In fact I am pretty sure they will only take what they can get and not raise a finger to help us when crap starts hitting the fan

The President just screwed are ally Israel today by basically making it easier for Egypt, Jordan, Lebanon and Syria to invade Israel. I DO NOT know why the President said to Israel to give up the 1967 lines which means the President said it was alright to violate the 1949 Armistice Agreements.

America is trying to make friends with our enemies which is not working and we are screwing our friends/allies in the process.
@Roger Humperdink- Yeah my idea for this question did come from him but he is right. I did have to look a few things up myself when I was writing the question out.

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I live in NJ and my children go to my ex’s on Mondays overnight and Tuesdays overnight one week then on alternating weeks they go Sundays overnight, Mondays overnight and Tuesdays overnight. I agreed to this when we divorced last year because he tearfully asked me to not take his children away from him when I wanted to move to FL in the first place to be with my family(I have no Fam in NJ). He told me he was having an Apt built and they would be moving in about 3 weeks after the divorce, in the meantime staying with his parents. So I stayed in NJ, moved into the worst town possible because they offered free preschool, which I couldn’t afford to pay for at the time, got a decent job making 30,000 a year, which doesn’t even cover my bills not including food and stuff for the kids-his child support of 131 a week is supposed to cover that.NOW a year has past, he is 3 weeks behind on support-I have been getting food baskets from church to survive, the apt, never happened-they all still live with his parents-ALL 3 of them sleeping in the SAME BED-My ex, My 5yr old daughter and my 11 yr old son-which is gross! He is never there he works (off the books) 7 days a week, 9am to 11pm at a pizzaria and the kids are left to be cared for by his mom, they never see him. My lawyer (who screwed me big time) told me that the only reason he wanted so many days is so that he didn’t have to pay me as much child support. Their "alternating" weekly schedule is not stable, the kids have no place to call their own, they never see their father, he’s not paying me and now that my daughter is in Kindergarten I have to pay aftercare and we now have a health insurance premium-he said he won’t help with that- I can’t afford a lawyer, I want to go to FL, but I don’t know if the courts will let me, My town sucks and the schools are bad, I have no security deposit and no moving money and we are barley making it. His parents won’t help to babysit when the kids are sick or off school and I’m about to lose my job because of how many days I’ve been out- Mind you they are very rich and sit home all day and do nothing, they live not even 3 minutes from me in the next town and they won’t even pick up my son from school and he has to walk home in a bad neighborhood and they don’t care, he’s already gotten lost once and beaten up once and I work 45 minutes away and can’t get to him! I want to take my ex’s days away so My kids can be with me more and have a more stable schedule and be in their own home where they are comfortable with their things surrounding them, they have nothing at his parents house and they are bored to tears, I also want to move to FL to be with my Family who would do ANYTHING for me, my parents would help me to take care of them everyday so I can work, it’s better housing, jobs and schools and just an all around better lifestyle, my kids already spend XMAS and sping break and the whole summer there and they love it, they hate it here and they call NANA’s house home, because we had already lived in FL once before when we were married, they love it there and hate it here, they have no relationship with their father and my son is in counseling because of it. I don’t know what to do next, do I go to court and fight for less days for him? Do I just go and ask for the child support to at least go through probation, so it can be enforced? Do I fight to move to FL? If so I have to find help with monies to move because I don’t have anything and I can’t ask my parents to help, they don’t have it and they just recently downsized into a condo, so I couldn’t even live with them I would need my own place, I would need at least 4,000 total to move, between a truck, security deposit, 1st months rent and driving my car down. Are there any charities that could help with that? I have bad credit so I can’t get a loan…so confused…

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I have just about ,000 in debt from credit cards, and I can’t work full time because I go to school full time. I want to consolidate my bills so theres just one easy payment each month, not 10 or 11, because I can handle one. Does anyone know of any companies that help consolidate loans or credit card companies that give out high limit cards strictly to transfer balances. I’m only 19 and would never file for banctrupcy but I need to get them all organized so I don’t get to far behind in late fees.

And please, no lectures on "oh well you shouldn’t have used credit in the first place, you should have known this would happen." haha Yeah, I know. I’m kicking myself over it now, and I’d just appreciate some suggestions. thanks!

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Has anyone ever paid someone to eliminate their credit history and started over fresh without paying the debt they owe? My co worker has an many other "educated" people I know who care alot about their credit has done this and get approved for the best interest rates and have credit cards and everything. Have u ever heard of this?

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Has anyone ever paid someone to eliminate their credit history and started over fresh without paying the debt they owe? My co worker has an many other "educated" people I know who care alot about their credit has done this and get approved for the best interest rates and have credit cards and everything. Have u ever heard of this?

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To all the Libs whining on here about the lack of closing corporate loopholes – you have no one to blame but your OWN GUY, who completely ignored his own debt commission which called for JUST THAT:

"2.2.2 Eliminate all tax expenditures for businesses. Corporate tax reform should eliminate special subsidies for different industries. By eliminating business tax expenditures – currently more than 75 – the corporate tax rate can be significantly reduced while contributing to deficit reduction. A lower overall tax rate will improve American business competitiveness. Abolishing special subsidies will also create an even playing field for all businesses instead of artificially picking winners and losers."

http://www.fiscalcommission.gov/sites/fiscalcommission.gov/files/documents/TheMomentofTruth12_1_2010.pdf

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In the contrarian world, you get out of debt by borrowing and gambling away even more money; you spur job creation and economic growth by taxing people more; you stop crime by embracing criminals (mostly members of your family); you say homosexuality is not a choice or a birth defect (it’s just like being left-handed because 1.8% equals 15%–lol); and you fight your enemies by appealing to them not to beat you up. Maybe the "Weirdo Party" is a better name. LOL: what losers!

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I want to start paying off my debt from college, now have been graduated and working as a nurse I make more than 2x what I use to make while in college and am ready to pay all this stuff off and I’m getting all these letters saying my APR is going up! I have 6 credit card that equal ,000 that range from 15%-26.9% in intrest. I have always taken care of my credit and I have been told I have an " emaculate" credit score. Will consolidating all my credit cards except one which is at 9% APR, for 9.5% intrest over 60 months bring down my credit score down and affect my ability to buy a home or qualify for future credit?

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When in a serious relationship with someone(someone you are planning to marry), it is important to be honest and who you are and things you did in your past…so which of the following embarrassing/shameful things are vital to tell your significant other? Also, which of the following things are not necessary to reveal, and are probably better off kept quiet?

(note: all of these things do not apply to any one specific person)

- having over 100 past sex partners during the "young-n-stupid" party years (but have since settled down and become a lot more conservative…and have been STD free)

- still being a virgin at 28 yrs old (but looking to lose the virginity ASAP!!)

- having had a biopsy to remove pre-cancerous cells resulting from HPV

- having genital herpes (despite being on antiviral meds and not having had a breakout in almost a year)

- although you are 100% STD free, in the past you’d slept with an individual who was HIV+ (but you luckily didn’t catch it, according to recent blood tests)

- having had an abortion when you were younger, at age 23

- having been homeless (i.e., sleeping on subway trains or public libraries) for several months during a period when you were unemployed due to no fault of your own (but due to homeless discrimination you’d received, you’re very ashamed about this)

- having worked as a stripper temporarily because you were broke, homeless(see above example), and desperately needed to get yourself stabilized

- the "real" reason your best friend died was because of a drug overdose (meanwhile, you are radically against doing drugs and you don’t want any "guilt by association")

- although you have accomplishments + make enough money to pay all your bills on time, your income isn’t as high as your sig. other thinks it is (i.e., he thinks you make K a year when you only make K)

- in the past, you had depression or other mental health problems that required counseling/meds/etc but you’re okay now

- you quit smoking, but every now and then you still sneak the occasional cigarette when your sig. other isn’t around

- you weren’t able to walk in your high school graduation ceremony because you’d failed a class (but were able to get your diploma later that summer after you retook the class during summer school)

- you weren’t able to walk in your college graduation ceremony because — although you’d completed all required courses — you owed tuition money to the college that you couldn’t afford + didn’t qualify for enough financial aide (but you paid off the owed tuition over time and have since received the diploma you earned)

- in the past, you had bad credit problems due to poor money judgment and overzealous spending — but your credit’s good now

- in the past, you had bad credit problems due to someone taking advantage of you — e.g., a roommate not paying his/her share of the rent on a contract and leaving you to pay an amount you can’t afford on your own, or being taken advantage of by a conartist scheme — but your credit’s good now

- you have a criminal record due to some stupid stuff done when you were younger (e.g., DUI)

Which stuff is vital to tell? Also, which stuff is best to "let sleeping dogs lie"?
Stacey, thanks for taking the time to respond. To clarify a few things:

- the mental health problems in question would be things that no longer affect the person today, kinda like the ones you experienced. Okay I read the part where you say that you do not mention it since it doesn’t affect you today…okay gotcha.

- As for the "slept with HIV" part, let’s say the person has already been tested clean multiple times since the HIV exposure, so the person has already been declared "clean"(and very very lucky!).

- As for the income, let’s say the person lied about the money she made at the job she initially had when she first started dating her sig. other…but she’s no longer employed there. (i.e., it’s a thing of the past)

One last thing — do you think a person must tell her partner if she is a "former fatty", i.e. someone that was obese years before meeting current partner, but has since lost a lot of weight and looks much better now??
Sorry, I have just one more question:

- You said that it is vital to mention a criminal record. But what if the person’s criminal record has since been expunged? For example, some states have a special program where they expunge/erase nonviolent misdemeanor charges(e.g., DUI) for first time offenders that had previously clean arrest records. And suppose the person has a clean(expunged) record now, but isn’t as far along in his/her career as a result of having had the criminal record for a year or two in the past prior to the expungement?

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