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Potentially Awkward Baby Shower...
Asked by C.L. from Provo
on August 6, 2008
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A good friend of mine has decided to throw me a baby shower and I'm getting to be really nervous about it. I'm supposed to be coming up with the guest list so we can g...
Answers
- Dear C., There is not much that I can really add to the advice that has been given already, but I do have a couple of things to say. #1 My daddy always told me that ...
- I'm so sorry that you have had to go through these problems. I think ultimately forgiveness will help you get beyond how you feel right now... something to work towar...
- My niece was getting married. My SIL's mom was throwing a shower. She decided a week before the shower, she didn't want any of my family to come. My mother was actu...
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...
Answers
- 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...
I Need to Find Help to Pay off My College Loans
Asked by P.F. from Chicago
on January 24, 2009
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Does anyone have any suggestions. I have just finished my BA degree in Early Childhood Education At National Louis University in Chicago. I had to take out several loa...
Answers
- Talk to you loan company you might be able to get a forbearance, deferment for an economic hardship.
- If you have federal student loans, contact them and let them know your situation and they will likely defer them longer. I was out of steady work for 6 months and the...
- Normally, you can ask for a deferment of the loans until you are working. You might also consider nanny/babysitting jobs while you are waiting for work in your field....
Anyone Ever Get a 203K Construction Loan?
Asked by D.R. from New York
on August 4, 2009
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Has anyone ever applied or heard of a 203 K construction loan? Our mortgage broker suggested this would be the best way to get a large sum of money to do a renovation...
Answers
- Hi, My husband and I were in the process of purchasing a non mortgageable property with a 203K when we were sadly outbid by a cash buyer. A friend of ours has also re...
- A friend used this loan about 8 years a ago when they bought a fixer upper. I beleive the only thing that was a drawback was they had to use their own money to start...
- D., I work for a State Department of Banking and Insurance, and I have never heard of that sort of a loan either. With the housing market being what it is,...
Home Loans/government Grants
Asked by D.Q. from Dallas
on March 31, 2006
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My husband & I are trying to buy our first home & I've been looking at some websites for government grants for first time homebuyers. Does anybody know of anything lik...
Answers
- D., I was in the banking and mortgage business with Bank of America for 11 years before I left to stay home with my two small children. If you fit within a certain...
- first of all, don't let the home buying experience scare you! it's very scary at first, I admit, but it's such a great place to put your money. I can't help you with...
- D., I am a Realtor in your area, and work with a lender that can help you with all this. Eric Butler with Network Funding can structure your homeloan with or without a...
Going Back to School
Asked by A.C. from San Diego
on July 23, 2009
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Hello:
I want to to continue going to grad school but I am required to retake some courses that I got a B- in, in order to continue my education (don't have the $). I...
Answers
- Hello A C, I think it's great that you're continuing with your education! What a gift to yourself as well as your son! I would highly recommend Walden University. ...
- Here's a link, per your question #1: http://www.aralifestyle.com/article2.aspx?UserFeedGuid=58cc122a-76f7-4e6d-a717-8b419353100a&ArticleId=2048&ComboId=3614&title=Sch...
- The library should have the big (enourmous...last time I used it it was over 6 inches thick, and as big as a carving board) book of scholarships. Another idea is l...
Overwhelmed & Stuck!
Asked by L.J. from Washington DC
on January 8, 2008
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I'm not sure what is going on but I've been suffering from headaches over the past 3 years that have graduated to chronic miagraines over the past 6 months. Previousl...
Answers
- This may sound crazy but I also suffer from migraines. My husband and I did a lot of research and we found it could be the pillows we were using. I would sleep on tw...
- I am not sure I have any real advice to give, but I had to respond with the talk about your headaches. I too, after my second child had headaches pretty much constantl...
- Dear L., I would agree with the many others who suggested therapy. It's a great place to let it all out to an objective 3rd party. Perhaps meds are in order as well...
Making Ends Meat....
Asked by L.D. from Dallas
on July 20, 2009
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I know we are not the only ones out there with this problem. We can't seem to make ends meat each pay period. My husband and I both went to college. He has a good j...
Answers
- Can you live with one car? Can you do without cable? I would eliminate all of the "wants" out of your life until you are out of debt. Don't eat out at all. Have your h...
- Dave Ramsey's book - Total Money Makeover. Highly recommend and you are not paying anybody a dime!
- Hi L. I understand where you are coming from. I just recently resigned from teaching to stay at home with my one year old boy..Well I have thought about it myself how ...
Advice About Forclosure
Asked by A.S. from St. Louis
on June 8, 2009
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Has anyone been through a forclosure? This is an option I am considering due to the wonderful sub-prime loans that were offered years ago. My home is now worth far l...
Answers
- Have you considered renting the home out until the economy recovers sufficiently and you have paid down your mortgage enough to sell? It can be a hassle, but there are...
- Hi A., You may consider renting or leasing. We have two houses that we could not sell when we moved out of there (Indy and Ohio) because my husband's job. It is no...
- I am a Realtor in Topeka, Ks and there is more than one solution. Are you behind on your payments? Calling your lender directly is the first step. You may be able to g...
Car Accident & Bankruptcy!
Asked by C.S. from Dallas
on April 8, 2008
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OK! So, my mom was watching my daughter this weekend while my husband and I were out of town for a wedding. A man ran a redlight and hit my mom and daughther. Thank ...
Answers
- I am not an advocate of pulling in the lawyers who advertise on tv and suing people. I do know from experience years ago, my husband was almost killed while in his...
- There are two types of gap policies, have her check to see if she purchased the one that gives her $5000 towards a new vehicle. If she does have that plan then the gap...
- yes, she can still purchase a car with a bankruptcy the question is what the interest will be? some lenders may require a letter from the trustee authorizing her to p...
