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Mom Seeking Advise on ADD or ADHD School Is Claiming Child Has Symptoms
Most kids that have or show symptoms of ADD are actually low in this .... the areas of interest he has in school, what he is excelling at as well as ...... ( You can get two of them through your library or through interlibrary loans. ...
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- DO NOT JUMP THE GUN. Many schools are reacting to this diagnosis. Your son sounds normal to me. My own 2nd grader has had problems with the exact same thing this year....
- Number one that counselor was out of line telling you he needs to be on medication. Only a Dr. can do that. We had a child with ADD and the medication made an incred...
- Hi P., I am going thru the same thing with my 8 yr old. I do have a 15 yr old with ADHD so I know the symptoms and do not see it in my 8 yr old. I just took him to th...
Husband Refuses to Wor or Be "The Head of the House"
... he has low self-esteem, because he has low self-esteem he doesn't chance looking ..... You should also consider asking your Dad for a temporary loan to help ..... Since he has refused counseling and he apparently has no interest in ...
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- This is gonna sound backward, but start with yourself. Whatever happens with him, you need to be at peace with it. Start now. Get yourself into counseling with that...
- Your hubby is used to being rich, married rich and still thinks he's rich in his mind. Its that simple. He's not poor and doesn't have to live within a budget in his m...
- I have to agree with Caroline on this one. Kick him to the curb! It sounds like he is using you and he obviously has no intentions of changing. Don't let this bum d...
Kumon, Score, or Sylvan?
I had one parent complain that their child seemed to test low, and suddenly ... They use Sallie Mae for the loans. It was $175 for the evaluation and it is ...
Answers
- I am a first grade teacher on Maternity Leave. I tutor on the side to make extra money. I live in the Forest Hills/Carrollwood Area. Give me a call if you're inter...
- Hi C., We actually use Huntington Learning Center. IT's expensive, however, it's been wonderful for my 15 yr old son. Our younger son is about to start there as wel...
- I read most of the responses as I had not done my research before I enrolled my kids in Kumon.. my older son was ahead in school and wanted to move further ... my twin...
Need Advise on Loan Modifications
Asked by E.M. from Los Angeles
on January 18, 2009
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Hello everyone, I need your advise on loan modication . I need to reduce my mortgage payment. I am a displanced worker , I can not find a decent job. I have a 15 year...
Answers
- that is correct - loan modifications are for people on the verge of losing their homes. You MAY be able to get a refinance though. Ask about that. I have a good mor...
- With rates dropping, why don't you check out a full refinance at 30yrs? This way you can go to any reputable lender that treats you with respect.
- Which bank are you banking with. Not all modication loans are programed in that manner. If the 30 or 40 year loan takes care of the need now. Does your husband have a...
Mortgage Loan Modification/Interest Rate Reductation
Asked by P.G. from Atlanta
on September 7, 2009
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Does anyone know anyting about the loan modification do it yourself web site? I was reading about one (www.lmksoftware.com) that a Marrietta couple had used. But you...
Answers
- My husband and i been trying to lower our mortgage for months now but we keep getting the run around from our mortgage company so we are about to try something called ...
- A mortgage is a contract. It cannot be unilaterally modified. Contact your lender to see what you are eligible to do. The cost is oftem minimal and can sometimes be...
- Have you tried NACA? www.naca.com or org
Old Student Loan Debt from 1988
Asked by R.J. from Dallas
on February 2, 2007
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Hello, MOM's. My husband recently got a wage garnishment letter from his job American Airlines, stating that the US Government wants to garnish 15% of his net earnings...
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- Thanks for your reply!! I was just trying to help a fellow mom. I realize you were asking a two part question. But I was answering one part. Sorry I did not have 1...
- Does he have more than one student loan? A while back I had financial problems and my loans were in default and my credit was bad. Anyway, I was able to consolidate ...
- First, Government has the legal right to garnish for a student loan debt. That's how students can get student loans by the guarantee of the government that they will ...
Parents Co-Signing on Home Loan
Asked by S.B. from Denver
on June 11, 2009
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Me and my husband are looking into buying a home. We can not qualify with his credit, but we can with mine and a co-signer. My parents are more then happy to do it f...
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- S., Here is my opinion, wait till you can do it on your own. We have owned 2 town houses in the past, with no co-signers. We put a house under contract I lost my ...
- Most financial advisors I've ever heard are against co-signing. I'm not sure all the reasons why, but people I know who have done it wish they never had as it ruins t...
- I would wait. "Co-signing" on a home is really just both of you buying it. They would have all rights to it just as you would. If you aren't comfortable with that situ...
Mortgage Interest Rate Question
Asked by K.G. from Kansas City
on September 20, 2009
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We are considering refinancing our home. We currently have a 30-year fixed, and are looking to keep the same terms, a 30-year fixed. We have a legitimate offer from ...
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- We refinanced at the beginning of the year and got a 30 year fixed for 5.125%.
- It will be a little lower, but you will still probably have a larger payment because of the reduced years. I bit-the-bullet shortly after buying our house and reduced...
- Most lending institutions now have their mortgage rates online, but they can change daily. You can often eliminate the points associated with refinancing by taking an ...
Creditors Have Increased My Interest So Much I Can No Longer Afford to Make Pymt
Asked by K.M. from San Francisco
on September 3, 2009
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I am a single mother of 2 and I bought a new refrigerator about 1 1/2 years ago and I never missed a payment or made a late payment and one day Home Depot called me up...
Answers
- K., many people have gone through this situation, our household has been affected as well. I have read somewhere that new laws were passed that banks are not allowed t...
- Join the rest of us. The United States is a mess and no relief is in sight. What you can do is call the companies, ask for the supervisor and try to get the interest r...
- Well, if you don't need to buy a car or a house in the next 7 years, (probably more like 9) you can completely ignore them and never ever pay them. They will hassle yo...
Mortgage Company to Refinance with and Should I Pay More to Get a Lower Rate?
Asked by K.R. from Charlotte
on January 18, 2009
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I am currently looking to refinance my home. I would like to do this in the next few weeks as i believe the rates will be at the lowest after the election. My loan i...
Answers
- Most of the time it cost about $2000 to refinance your mortgage. With that said, intrest rates are so low it's unreal. I think they are between 4.9% and 5.6% and tha...
- You need to figure out if the closing costs will out weight the benefits of the new rate. What is your current rate? What are they offering? I would not refi if the cl...
- Hi, I just refinanced with a rate of 4.5% for 30 year fixed (did not have to buy the rate down) with RBC in New Bern. The loan originator there is efficient and ver...
