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Debt Advice?
Asked by K.M. from Chicago
on January 17, 2010
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Another question...Here is the situation.
My husband and I....well, mostly me, actually...are in a terrible amount of debt. We have a meager savings, but otherwis...
Answers
- Look at your budget very carefully. I know you said you don't spend frivilously, but now is the time to look at EACH little expense. Do you go out to eat? Stop. Ar...
- Call up the folks in charge of your college debt and relay this information and ask them for a break of some sort. Your great-grandparents would put your claims of ...
- I also recommend the Dave Ramsey books--from the library (free!). We were in a similar situation a few years ago and from his advice (very easy to follow) have paid of...
Need Divorce Advice FAST
Asked by K.F. from San Antonio
on April 19, 2011
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my husband just told me last night that he will close out his TSP account (military 401K) to clear our ccard and car loans, so it'll be easier to split everything up. ...
Answers
- I don't think that he can withdraw any funds from it without your signature. Call the TSP and ask.
- Call his commanding officer or the local JAG office. There's nothing you can do to stop a divorce if your husband is determined, but you can protect yourself and your ...
- Definitely call a lawyer right now and do NOT let him close anything out until you consult with him.
Small Business Owners
Asked by K.K. from San Diego
on March 31, 2011
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Hi ladies, I'm interested in opening my own business and I know exactly what type/kind of business to open. However, I don't have the funds to start or open anything a...
Answers
- It depends on your business. Don't take a loan out until you get everything in order and you can show the bank your plan. Also, as a serial entrepreneur, I recommend b...
- Contact a SCORE counselor in your area (link provided). You will get expert advice for FREE. Also, you will need a solid business plan. SCORE can actually help you wit...
- You can open an internet franchise (kind of like amazon.com) for under $1000. What makes you want to own your own business? Is it working for youself? Your own hour...
Last Name Change...
Asked by R.D. from Richmond
on June 28, 2011
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I can't get used to my last name! Granted, I haven't gotten it changed anywhere yet (I'm starting Friday)... where do I begin? Where do I HAVE to change it and where d...
Answers
- I didn't change my name when my husband and I got married five years ago. Last year, I hyphenated his name onto mine, and changed all my ID's and my checking account. ...
- I got married Oct 2004. I was still working on my undergrad then and my mom was teaching my communications class. So she actually wrote my name as my married name befo...
- My mom took her husband's name socially but kept her banking, credit stuff etc. in her name when she got married. I think that's a good idea these days. Less confusi...
Mortgage Companies
Asked by V.M. from Kansas City
on September 21, 2009
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I am wanting to refinance our 1st and 2nd mortgages into one pymt hopefully at a lower interest rate!! our 1st mtg is at 6% and our 2nd is at a whopping 9.3% Has anyon...
Answers
- Hi V.! I have two possible options for you. I work at Bank of the West and we love mortgage loans. Our rates may be a bit higher (.25%) but you will make your payme...
- I think going through a broker especially during these times is the better way to go. James B. Nutter, from what I have heard, is a very good company to go through. ...
- Hi V., my husband and I recently found out about a great program that will allow us to get a 15-year, 0% interest, fixed rate loan. It's called a mortgage restructure ...
Credit Help!!
Asked by M.P. from Provo
on October 10, 2010
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Ok so ugh my credit. Do to some past unpaid bills, my family making me let my sister use my credit to buy a bed for her son (I was not happy about it AT ALL. I was onl...
Answers
- You have to get a secured credit card. You put your own money into the account and use it asa charge card.... that will rebuild your credit AND you need to pay off t...
- Give it time and stop applying for cards. Each time you apply for something it effects your score negatively. Keep paying the debt you do have on time and be patient...
- Is there anything outstanding on your credit? Doctor bills or an old phone bill? If so, get that paid off. Don't apply for anymore credit cards or loans. Do you ha...
Housing Credit Checks
Asked by L.B. from San Francisco
on June 10, 2010
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Hello out there,
I am looking for an apartment and I found one that I have high hopes for. The landlord is going to run a credit check and I guess that will determi...
Answers
- You are allowed to get one free credit report per ____@____.com ...nothing to buy. It's the real deal.
- There are a lot of things that a landlord considers when deciding on who to rent to. Mostly is will you make good tenents (quiet, not destroy property, etc) and can y...
- Hello MS-Nguyen, I think all the advice you have been given is wonderful and really covers every part of the landlords need as well as your obligations and responsibi...
Financial Question for You!
Asked by C.M. from St. Louis
on September 10, 2010
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My hubby and I are in the process of listening to Dave Ramsey's Total Money Makeover. One of the main things he says is to get RID of your car payment!! Save that mone...
Answers
- My husband and I also went through the Dave Ramsey program and although we didn't follow it to the tee within less than two years we paid off almost $40,000 of which $...
- That's right! My husband is a follower of Mr. Ramsey. While I don't always agree with his "hard line" philosophy, he makes a lot of really good recommendations, incl...
- I'm in the financial peace university class right now. What Dave says is to do the "debt snowball." This means that you list your debts in order of amount (specifica...
Foreclosure
Asked by J.M. from Pittsburgh
on June 29, 2009
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My house is in my grams name and she recently passed. If we let the house forclose, can the mortgage company come after my dad for the money since he is excutive of t...
Answers
- J. , J. , my dear ; never let the bank take property .. Ever, never .never ever ......you will spend a lifetime fix'n your world ...... Fight for the roof over...
- the mortgage is in whose name? why not paying the mortgage off unless no money
- Hi J., First, let me offer you my sympathy on the loss of your grandmother. Second, the role of the executor is to wrap up all of your grandmother's affairs. That...
He Has as Good as Credit as You Can Get... I Have the Worst - What Happens When
Asked by M.R. from Dallas
on January 29, 2008
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Hi mommas :)
He has as good as credit as you can get... I have the worst - what happens when we get married? A lot of mine is from the ex, joint everything. I hat...
Answers
- In our house it is the same story... only reversed. Somehow I ended up with the perfect credit while hubby struggles from his past being laid off and divorced, etc. ...
- keep in mind if he puts a home in his name only, if something hapens to the relationship-you could end up on the street with nothing. I recommend cleaning up your cre...
- I don't think your credit will affect you buying a house...I believe that if he has good credit your bad credit is not enough to be denied a loan. I may be wrong, but...
