Financial talk

Right now I owned a couple of small payments, and I'm trying to put them all in one big one so I can pay these people back first then I would be paying back to the financial institution month by month. I've already heard from others that I should ask people around me b/c it's better not to borrow from outside source and also the duration that I'm set for paying back. So is there any recommend ways or places that I can actually sit down and talk to people face to face. I've already try the major banks but none of them are able to approve my loan. I live in Northern California. Thanks.

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The mcredit crunch is well and truly here! If you fall into the poor credit category that increasing numbers of US citizens are finding themselves in then try not to worry as there are ways that you can still obtain credit cards and loans to help repair your credit rating. Because you need to borrow money to rebuild your credit rating but cannot get one things may look a little tough, but there are things you can do. While it still possible to obtain loans with poor credit scores, having to suffer its consequences such as paying a variety of fees and conditions and getting undesirable interest rates which can be higher is difficult, but there is a strategy you should be following.

Should you be fortunate enough to be given a loan, factors like the annual percentage rate and whether or not your home will be used as security are important to consider. You should be aware that with the help of the internet, you can always find consumer websites that specializes in facilitating poor credit loans with the motive of finding you the best deals and terms as well as the right firm to help you ease the troubles away. This is also a good way to stop the problem of making your credit score worse as each time you apply it goes on your record and can lower your credit score. To make matters worse, some loan applicants create their own problem by accepting a loan and then turning it down for another that appears to have improved terms etc.

Probably the easiest and most convenient way to rebuild your credit rating is to use a credit card because the financial institutions can see that regular monthly instalments are being made and assess your credit worthiness on this. Once again you will probably more for the privilege of having one of these cards and each issuer will have their own terms and conditions so it is worthwhile checking each one out first. Some credit cards have a high income level for applicants so be careful before you apply for a credit card which requires a higher income than you receive as it will be wasted and will go against your credit score. Once people have shown that they are responsible enough in handling their credit, it is more likely that an increase in the amount of available credit on a person’s card is to be made however, this is not always a good idea and can be risky to what you have gained, especially if you are trying to repair your credit rating.

Although many people may not be able to qualify for a home loan despite the fact they may need the money for important remodelling work, using a home loan can be another method to improve a credit score but for those who really cant make it, they should at least try applying for a loan from a bad credit mortgage lender who should be able to help. While looking at the interest rates on a mortgage loan, do not make your decision purely based on the interest rate as normally there are other factors that will affect the final amount you pay. Regardless of the fact that having a poor credit score an really mess up your life, it is still quite a relief to know that we can still get credit in the form of a loan or credit card and having an auto loan can also be arranged as well. Where the situation does not look as if it can be settled this easily then it is worth seeking the assistance of a debt counsellor who may suggest a debt consolidation loan as the way forward.

Check out specific tips on improving your credit score at California Credit Report. New tips on debt consolidation and getting a good credit report are added all the time!

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"Democratic presidential nominee Barack Obama's senior advisers have drawn up plans to lower expectations for his presidency if he wins next week's election, amid concerns that many of his supporters are harbouring unrealistic hopes of what he can achieve." I'll tell you why. More then 50% of what he says. Can't actually be achieved. He says what the public wants to hear. He says we need change and hope.... We DO! change in congress. which has a lower approval rating then our president for the past 4 years. Also the dems are majority....just so you bush haters no. and we need hope that liberals stop living in a fantasy land. Yes your ideals might be good. BUT THEY CAN'T BE ACHIEVED...if we make imigration easier. that leads to more (inexpensive) cars being bought more pollution more energy usage...If we make vehicles only hybrids....those are expensive. So how do the poor people afford them...they dont....and our economy gets worse. Clinton set us up for economic failure. Bush just happened to go through it "The sudden financial crisis and the prospect of a deep and painful recession have increased the urgency inside the Obama team to bring people down to earth, after a campaign in which his soaring rhetoric and promises of hope and change are now confronted with the reality of a stricken economy." The Times quoted a senior adviser as saying that the first few weeks of the transition, immediately after the election, were critical, "so there's not a vast mood swing from exhilaration and euphoria to despair." The aide said that Obama himself was the first to realise that expectations were being highly being inflated. sources: http://in.news.yahoo.com/139/20081031/882/twl-obama-draws-plans-to-lower-expectati.html teachers.net/chatboard/topic237751/10.31.08.13.12.15.html flavoroflove.blogspot.com/2008/10/obama-advisers-draw-up-plans-to-lower.html www.theaustralian.news.com.au/story/0,25197,24580926-5013948,00.html by the way i love how cnn and nbc don't say this...yet other countries know also?????? www.timesonline.co.uk/tol/news/world/us_and_americas/us_elections/article5051118.ece http://www.todayonline.com/articles/284713.asp mmmhmmm funny joke. i hope someone whos mother died of alzheimers punches you square in the nose. your just an example of liberal ignorance. and guess what takin money from rich and given to poor...im sorry my GRANDPA earned his money. grew up in dust bowl...in oklahoma...entered military out of highschool. went to Korea. served as POW in korea after not having his parachute execute. then came back. went to college. got a degree . joined eastman kodak. didnt miss 1 day of work for 8 years. not even when he had a minor stroke. got promoted...then quit....then joined a military broadcaasting station in Vietnam...made lots of money....however we should take it away and give it to poor folks...try hard in school and you won't be poor. America gives you an OPPURTUNITY. not a right to be successful. school is the start.

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I read the article about the korean law that allows for adulterers to be jailed: http://news.yahoo.com/s/nm/20081030/od_nm/us_adultery_1 It got me thinking... Marriage is a contract that is foundational to society. Should there be a criminal or financial penalty for cheating someone out of the promised return of their reproductive capacity, and 20 years of co-parenting? If you believe that it should be a crime, or illegal, to commit adultery - what should be the penalty? If you believe people should be free to break contracts, even those foundational to society... which other ones are fine to break? we do put people in jail for fraud though... Lying to your spouse while pretending to be fulfilling your contract is the normal means of committing adultery. regarding the guy who said that the government does not need to be involved... nobdy makes anybody get married. it is a freely entered contract between 2 people. they have limited their own freedom, by free choice, for the implied return... If one person limits his/her freedom in exchange for the limit on the other's freedom,.. isn't cheating people something the law is supposed to prevent? Regarding 'keeping prisons open for real criminals'... society bears a high cost from single parent children, and the children themselves bear a high cost... higher than the cost of most of the things people are imprisoned for now.

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are they from an actual war or crashing planes and costing the government money? Did he start this damned financial crisis that long ago? Might as well play on the computer like everyone else. Not many people on here seem to take this election seriously anyway. While I am an Obama supporter, I don't really care who anyone votes for. I just pray we get someone who can fix this mess we're in. We are all suffering one way or the other. This is just to show that negativity gets us nowhere. I wish both parties the best of luck. Some of the things people are saying on this site should offend them, but it doesn't seem to. Regardless of which party wins, we should just start not responding to some of the bull that people put on here.

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This is the wikipedia facts of the 2 major mouthpieces of the 2 main partys. Which one do you believe, based on the education, is better capable of understanding and therefore reporting the facts? Rush Limbaugh: Limbaugh graduated from Cape Central High School, in 1969. His father and mother wanted him to attend college, so he enrolled at Southeast Missouri State University. He dropped out after two semesters and one summer; according to his mother, "he flunked everything", even a modern ballroom dancing class.[4] As she told a reporter in 1992, "He just didn't seem interested in anything except radio."[7 Sean Hannity: Hannity graduated in 1980 from St. Pius X Preparatory Seminary high school, located in Uniondale, New York. Described as "an indifferent student",[4] Hannity dropped out of New York University and Adelphi University for financial reasons. He later decided to pursue a radio career.[3] Rachael Maddow: A graduate of Castro Valley High School in Castro Valley, California, Maddow obtained a degree in public policy from Stanford University in 1994.[2] At graduation she was awarded the prestigious John Gardner Fellowship. She then received a Rhodes Scholarship in 1995 and used it to obtain a D.Phil. in political science from Lincoln College, Oxford University.[3] Al Franken: attended Harvard College and graduated cum laude in 1973 with a bachelor of arts degree. too many credentials to list. hmm...who can display facts more...dropouts or high honors grads.... quick, give the wisdom excuse reps...because as we know, smart people cannot be wise according to larry the cable guy (Bush, the republican mascot) Howl: actually, that is exactly what I am saying. Glad you agree. :-) Michael Savage? thats the best the cons have? lol After graduating from Jamaica High School[4], Savage attended Queens College, where he earned a bachelor's degree in education and sociology. a Batchlors in sociology...lol...thats a joke course..you dare put that next to Maddow, Franken, or even Olbermann? pfft. rewarding mediocrity is a disservice to our species. edit...ahh, he does have some deeper education on further reading. still Maddow blows him flat out of the water...Rhodes Scholar. she wins the world of knowledge. one small issue with Savage...he is off the wall insane. even far right con nuts say he is off the chain.

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I know I was supposed to file fafsa my senior year of high school, but I didn't do that. Now, I'm a freshman in college and desperately need some financial aid. Since FAFSA is like the basic requirement and I can no longer file a FAFSA, what can I do?

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I have a fantastic boyfriend, loving, caring, loves me as no one else but the only major flaw is : he is financially unstable. His business gone bad for some reasons(wrong moves and decisions on his part, economic situation, etc). So now he is totally broke. he is trying to start again but of course there's no guarantee that he will be stable in 2-3 years time. I love him, he loves me but he has no income, has big amount of debt, and has been borrowing money from me for almost a year now. Considering my age and my plan to get married soon. Should I run or stay? I want to be supportive and it isnt also easy for me to leave him but his financial situation scares me a lot esp when i think of the future. What to do? Pls help. I need serious answers pls...Thanks

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When it comes to dental health of children, parents would try to do their best in protecting and giving them the best care possible. Thus, it would not be a wonder whenever insurance agents approach parents to offer health insurance coverage; the first usual questions would be if the insurance has dental care for their kids. Dental care for kids would be an important part of parents need for insurance because they are aware of the soaring cost of dental care for children.

For parents who may not be able to afford insurance coverage but would just like to see to it that they can have the needed dental care for their kids, nearly all state has a free program that will insure your kids to be covered by a dental health insurance program. If you are interested to know more about this, you can visit your city dental health office and them about this free program.

However, this program will require you to submit pertinent information Since this program is designed by the government to help the low income group in making sure that the dental care of their children are protected by a free insurance coverage, it is needed that a proper presentation of your yearly income has to be submitted to make sure that only the low income families will receive these benefits.

In most cases, this free insurance coverage for dental care of kids will be in two levels; for the lowest income and the second to the lowest income group. For the lowest income level, the coverage will be complete while for the second to the lowest level, the coverage will be more than half of the total dental care will be covered. This program is carried by most if not all states for their residents.

A yearly budget is allotted to these programs which are annually bided upon by insurance companies. Aside from these free insurance dental coverage program for kids, there are also additional free dental check-up programs that individual cities and their municipalities gives out to their indigent adult population.

If your income do not fall in the category for free insurance dental coverage for your kids, you can also inquire from your city dental health personnel about other dental care benefits that are available for your children.

There are states that aside from the free dental insurance that they give outs to very low income group, they also have these reduce fee insurance coverage for children to families who might not be able to fall under the free insurance dental coverage. You have again to submit your records of income and other related information to be reviewed if you are available for this kind of governmental support.

To be more informed with regards to these government supported insurance assisted dental programs, you can always surf the internet for additional information. In fact, since each state has their own information about the public services that they provide to their citizens, you can try accessing their site and learn about the free dental insurance services to children and other free dental services that they offer to the public.

Note down those services that you think you can fall under the category since each free service have the needed information as to how much is your annual earnings to be considered for the government assisted programs. You can then visit your city dental health office to confirm the information from their website and apply for subject program.

Learn how to have successful dental insurance claim tips and how you can help preventing fraud cases by learning how to report dental insurance fraud only when you visit http://www.dentalcontract.com, the online resources on dental insurance plans.

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When I first met my bf he said he had only had an intimate relationship with one other woman. He claimed he has had a hard time dating, which I thought we had in common. I thought we clicked when we first started going out and that this was guy I could trust. A couple months in I started to noticed things. He still had contact with women he used to date. He still had emotional attachments to these women. Now, 6 months down the line I have found out he was actaully still talking flirty and meeting new women to "spend time with". I am told I am over reacting, I shouldn't be so upset. It is getting to the point where I do not believe anything he says. I feel like I can't ask about his where abouts or I'll be repremended. Should I let it go if he WILL NOt delete old emails and phone numbers? If this person says he loves me should I just pretend to believe he has no contact with women of the past? Sometimes I feel so inadequate. I feel if he loves me and wants to be with me why should he have to keep a life line to other women he has had intimate feelings for. After all these women obviously did not want to be with him, but I am still getting hurt. Now I am living with him because I am in a financial bind. He says he wants me to be here but I don't know how true that is. Am I being used because I am the only one who cares about him? Please give me some incite. There is a lot more to the story but that is the bottome line.

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Things have happened around us that have put me in doubt that my parents might possibly be having a divine power or ability to give curse ; Since my childhood & even today I ve felt this dominant feeling that God always saw our family as a very special thing to him , & that he even saw me as his very special child ; ANYWAYS , THE REAL PART IS HERE : We moved to an apartment 2 years ago , before that we used to stay in a Chawl ( google it ) , but or neighbors there were very adamant & unfriendly people , To be honest , they were no less than cavemen , The woman was always looking for fights , One day it so happened that she started on a fight with us , It was a festival day , & the reason of fighting was not a very strong one , Now this women while fighting started uttering things that were very unhealthy , To defend our reputation , Mum & dad were also forced to fight , It was not a physical one , But rather a verbal one , This woman ( neighbor ) even went to the extent of taking a slipper & hitting it on my moms face , but was defended by my dad , Now , the entire thing was being watched by the rest of neighbors around us , & it was pretty embarassing , This woman is known for her reputation as a very ill minded , fanatic women , who knows no respect for relations , & the entire people there knew that & I am not boasting but The entire world there also knew how generous my mum & dad were( & the still are ) , & how nice they have taken care of me , their only son ; Now the curse part , Not intendingly , but My mum always used to cry when we were to move to apartment because of loan problems & other financial difficulties , The subject of her pain , she believed was that woman & often subconsciously her curses were targeted towards her , but she never really wished any harm to anybody , ..................Now two years have passed & our financial conditions have much improved by gods grace , & mum doesnt worries that much now , But just a couple of days ago we came to knew that our neighbor ( the womans husband was suffering from Aids ) & today morning the news came that he died at yesterday midnight , NOW , WAS IT A CURSE CAME TRUE OR JUST A COINCIDENCE ?? If you say it was just a coincidence , let me tell you that I ve seen many other times as well that Mums curse has come true ??

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Hello.im very very much interested to pursue masteral studies in Chemistry or Biotechnology abroad ..Help me what to do cause i also need financial aid ...thank you

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While the stock market took a big hit earlier this month, it has recovered half of what it lost in just 2 weeks. Gas has been cut in half in 4 weeks. I paid $2.02 a gallon this morning. Did you ever think that things became as bad as they did due to fears of a Obama financial system? I have heard one investor after another tell me they got out due to fears of the cap gains rise and what Obama would do to our economy. Raising taxes is never the answer. Obama talks about plumbers not making $250K. Actually a decent precentage due. Those who put their blood, sweat and tears into building a plumbing company are generating that kind of revenue. They hire people, buy supplies and assist their customer's. All of which puts money back in the governments kitty. Instead the dems would have us give the money to govt, so they can pay the now unemployed plumbers assistant or secretary from the office that the plumber had to lay off to pay for the tax increase. Supply-side or trickle-down, whichever you want to call it, economics works. While Republicans were screaming about Fannie and Freddie three years ago, we have dems on tape telling us that everything was fine and this melt down could not occur. Barney Frank, Chris Dodd and Maxine Waters pontificating from their lofty chairs that Fannie & Freddie were fine and Franklin Raines was its savior. Franklin Raines, the chief Obama economic adviser, oversaw the biggest accounting fraud in world history. On top of it, he walked away scott free and with $90M of the publics money. This accounting fraud made Enron look like a lemonade stand folding up. We can't touch him though because the dems will scream racism, when the man is simply a high priced crook. This country needs to get its act in gear. Govt is not the answer, it is the problem. Obama talks about smarter govt, but he doesn't understand that there is no such thing. Our founding fathers deliberately wanted limited govt. Even the most social minded politician of the day understood that large govt is tyrannical govt. Barack Obama says Americans don't want govt to fix all their problems, yet he specifically said that they do to Bill O'Reilly. I almost fell off my chair when I heard it. This guy is a Michael Moore commie. Ask yourself if you will really be better under an Obama financial system? Look in the mirror and tell yourself eye to eye that it is the truth. I bet you cannot do it... Folks, you are missing the point here. People talk about the last 8 years like it was a Russian winter. I'm in real estate. I saw this bubble coming 3 years ago. Right about the time that the dems were telling us to live Fannie and Freddie alone. The last 18 months have been hard, but that is the way markets work. Artificially holding them up is never the answer. To answer those who say Obama can't effect things before he is in office is ignorant. The markets look down the road and see what they think is coming. When Obama started doing well, the market crashed. McCain is now doing well and the market is rebounding. Not a hard case to make. Going back to the days of Lyndon Johnson and FDR are not going to move this country ahead economically.

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I have been married for 4 years. We both work and our financial ok. I am going to be 30 next year and start thinking about having baby, but I cannot convince myself because why do I need kids for? Can anybody help me out here?

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what are some natural things that you can mix together that's good for your skin and face. like rub all over eg. masks and treatments etc. so like i can make at home without spend alot/any money ?????????

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so if you are sent to court to be sued or for debt not collected, how does it work? do you have to pay a lump sum? or do they offer payments?i wouldnt understand the lump sum, because you have to live and eat too.so im breaking my lease and i have to, and the manager at the office says that if i let the rent go( that i sadly dont have) it will go to the attorney. so if we get sued before i can pay anything to this debt what will happen? i really wantto pay this off in payments and give as much as i can in the mean time, but you cant squeeze blood from a turnip.what should i expect form this?

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I am about to spend 5k in a used car. I need the best my money can get. What would that be and why?

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i'm going to greece with ef tours with my school... i was wondering a few things. 1. what's the drinking age? i'm 15, but i'll be almost 17 when i go. and our 2 chaperons will bring us to nightclubs so idk if they would let us drink.. or even catch us. 2. what are greek boys like? would they approach cute american high school girls? do they like american girls? 3. what's the weather like in february? 4. how much spending money should i bring (we're there for 11 days. we're going everywhere, athens, the islands, delphi, a 3 day cruise.... dinner and breakfast is included in our pay, but not lunch.. and i like to shop :) ) 5. what should i do about my cell phone? will it work? i have verizon. thanks!

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I want to see a daily conversion of dollar to baht

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I'm having serious family problems. my parents are in such an unhealthy relationship. ? ok, so 3 years ago my dad had a brain tumor, but it turned out to be ok, and he had surgury to remove it. but since then he has been on a lot of medicenes. and his temper, and emotions have been all screwed up. in the past year or so he has gotten really out of control. he can't keep a job, and it turns out he really messed up our finances so now we have nothing. he keeps threatening my mom with divorce, which we can't afford because of what he's done. and whenever we suggest that he go see a doctor about his medicene he just blow up at us. and my mom is working three jobs just to keep us afloat. she is so tired and sad all the time, and it breaks my heart to see her in this postion, but there isn't much i can do. i wish there was some way we could get my dad back to normal, or if they could get a divorce, i wouldn't mind, because i don't have a good relashonship with him at all, and i know my mom and i would both be happier if he was out of the picture, but there is nothing we can do. and she is so sad about the possiblity of being alone at her age (52) with not enough money, living in an appartemnemt. she says she has not worked hard her whole life to end up with nothing in the end. and it breaks my heart to hear her say this and know i can't do anything to stop it. Sorry for the rant, but i really needed to vent becasue it is really bothering me. Is there anything i can do? i want my mom to do the right thing, but i think she is scared. please help me. any advice is appreciated. Thanks so much for listening.

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