Help Debts

Posts Tagged ‘job’

Hey guys!

Basically this year I wanted to be a midwife, but because I didn’t have a biology A-level and because I had no experience I was encouraged to do a sociology degree instead, which I also wanted to do.

I’ve applied for universities and I’ve got places from Durham, Warwick, Leeds, Sheffield Hallam and Newcastle for sociology but I’ve just finished a week of work experience at a Maternity Unit and I really loved it!

Now I’m not sure whether to:
A) Go forward and do the sociology degree.
B) Stay at college for another 2 years to do a biology A-level
C) Apply for Nursing and then go into Midwifery, and in the gap year do a job as an Auxiliary.

If I do the sociology degree I’m sure I’ll love it but I’m not sure about the career prospects, just because it’s a vague topic! Like it doesn’t lead to anything in particular! Tho I’ve got offers from Durham and Warwick which are really lovely and good uni’s which I’m really happy with!
I don’t want to stay at college for another 2 years and the main reason is that because EMA is no longer available I can’t afford it, and I’d have to get into debt to get through it, which I don’t even want to think about!
If I apply for Nursing it means doing a three year course in something I’m not that interested in (Nursing) to be a midwife, although I’ve been told doing Nursing first is really beneficial. I’d have to take a gap year off though and I think I’d feel left out when all my friends leave to uni.
If I make the wrong decision then I might end up not going to uni at all, because after this year I won’t be able to afford the fees! (Midwifery/nursing is free)
Could someone please offer me some advice about this, cause I’m totally confused!

Is there a way to make, influence, or encourage someone to be more responsible? That someone being your significant other?

My boyfriend of three years and I live together and his irresponsibleness and procrastination habbits are driving me crazy. He just lost my credit card for the second time this year. He is careless and often accidentally burns things with his ciggarettes. I’m the only one who is responsible and the stress is starting to eat away at me since we are in debt (partly because of him losing his job). I know it is said that you can’t change people, but come on! There’s got to be a way to make him more responsible. The man can’t even handle his own bank account.

Help!!!!
I usually do control the money. It’s not very often that he gets the credit card, but when he does he usually misplaces or completely loses it. It’s just so stressful having to be in control of the money all the time. I’m a full-time student and so is he, so its not like there’s a lot of money to control, which makes it all worse.

Ex: Obama
Keep in mind your situation:
You have a growing debt,
Chances of dollar collapsing are imminent,
Oil is on the rise as with many other natural resources,
Your country is the worlds superpower as of the moment,
and It can easily slip out of your hands
Ties with nations can be lost
Prisons are overcrowding
Jobs are being lost.
Now I know that your probably saying,"Hey, That sounds kinda like OUR current situation!"
Of course not.
If you as of today had a high ranking job where you were able to affect humanity, like for instance if you were the President of the United States of America, how would you cope?
Would you find a way to fix this mess of a world we live in today?
Would you crush under the pressure?
Would you let your power corrupt you?
Let your power corrupt you to the point that you would take over the world and create 1 world run Gov, where population growth was monitored and the worlds people was a middle class working for the Gov?
Or would you have created this whole situation to give you a reason to inflict martial law on your people due to overcoming to your greed?
Now these are just some examples I’m throwing out there.
It just really makes me think that when you are the president how much power do you really have?
And who can we trust that power with?
So I am asking the community of yahoo? Can any of you handle the most powerful position on Earth?
Can any human in general be trusted with any kind of position of power such as this?
If not, why is it that we put trust in any of these people today, in modern times?
Let me know what you think.

So the US debt is getting quite out of control, I think we can all agree. But I’m wondering how we get out of it? I’ve heard cutting spending, raising taxes, intentional inflation (though I’ve heard our loans are adjusted for inflation). But how do we do this when our politicians are scared to raise taxes (I know I’m against it) and also too scared to drastically cut their spending? Our debt just keeps getting worse and worse! That’s why our generation is told not to get credit cards and get into debt! Because we end up paying three times the amount we received. So if we don’t do something about it, it’ll just end up being more and more, perhaps an amount we literally CANNOT handle.

So my friends can you tell me your ideas?
I am not biased and I’d love to hear all opinions, so please don’t be upset with anything I’ve said, because I’d love to hear any opinion you may have.
I’d say I have to agree with the fact that the poor should not be paid for, though I understand that sometimes it’s just impossible for people to get the money they need, so it’s understandable to provide a little unemployment money till THEY take the initiative to find a job or move to find a job. But I have seen this in my personal experience, "If I make another hundred dollars, or get another job, my 0 a month food card will be cancelled and I’ll be left with LESS money!" So if they work harder they’re punished, less hard and they’re rewarded, it’s situations like this that hurt the economy. So if the poor were cut, taxes on the rich could be cut a little more, and the poor would have to get jobs perhaps that the rich could create, because of the money they’ve been allowed to keep. I don’t care what people say, the rich who provide jobs. They’re taxed something like 70%? Imagine if the middle class was taxed that. How would anyone open a business? So it might hinder the rich too.

I’m a pretty positive and ambitious person. I go into situations expecting the best, but most of it ends in tribulations. Seriously.

I was molested as a baby..yes a baby and later on 3 different guys. At home, school and church. One of them was arrested last year for raping and killing a teenager last year. I told my family but they wanted me to keep this a secret. It get’s weirder..but I digress.

My mom started spreading rumors about me after living with her for only a few months. This was my first time living with her at age 17. She kicked me out two days before my bday 12/17/2000 (winter in NY, yay) and tried to make me homeless by asking ppl not to let me stay with with them. I only talk to her now because of my sister..but i truly do hate my mother.

I used to be an only child..my dad decided to have kids when I was 21. So as selfish as it is I feel abandoned – my mom has replaced me with my sister and my dad with his kids. I was the love of his life. Now we hardly even talk.

I’ve been used and now I have about 30K cc debt. Because someone lied to me about their life and background and used me. So now i’m left with 90k total in debt (mortgage). I’m now 28 and was debt free until I met this U.S. Soldier. ugh!

I bought my own place at the age of 22. I’ve had to change states and within the last 2 yrs I have gone through 3 tenants. 1. was arrested for stealing from his job. 2. There was a fire which meant my tenant had to move 3. The other person just disappeared. Each time i’ve managed to get back on my feet…but this time it’s been 7 months since i’ve been paying rent and mortgage. I can’t sell because now my property value has tremendously decreased.

Funny thing is I don’t have any blemishes on my credit score. Except for high debt, but I’ve never been late on a bill. Other people also think that i’m happy but i’m not. I was suicidal before but as I got older, I’ve pushed through a lot of things. I know LIFE could be worst.

I just want to know how to cope when nothing goes right. Which obviously is everything. My life is actually worse than I mentioned.. I don’t believe in God, my reasons are obvious.

Any advice would be helpful.
Sorry about my errors.

We are in debt…about 20,000. My husband has signed up with Credit Solutions…a credit reduction company. I have already told him not to resort to debt consolidation so he is going the route of credit reduction instead. But something in my gut is telling me that we can’t trust these Credit Solutions people. My husband is paying them a little over 100 a month for their "services" and after 3 months I have yet to see them even begin to do their job. I told my husband to call them up and light a fire under their butts. But they just keep throwing promises in his face and now I am on the verge of a panic attack. (we are living comfortably, but on a paycheck to paycheck basis almost)

ANY ADVICE would be greatly appreciated…thx in advanced

I bought a house with an ex a couple years ago who still pays part of the mortgage but doesn’t live in the home with me anymore. I lost my job and having trouble finding work. I’ve run out of savings. i put all of the down payment from my retirement and took all of the financial risk. On top of that consistently paid 55 to 60% of the monthly payments for two years because I was the one who made more money. Now I am barely making ends meet and having some looming tax debt. The least I can do is hang on to the house as investment after hopefully riding out this bad economy one day. My ex had been unemployed for a long time and now that he has a job (and living rent free with family) is saying he would prefer to sell the house instead of working with me even though I fully supported him while he was unemployed. We both have good credit and don’t want to ruin it. But I feel like I’ll be damned if I am going to lose my investment and my place to live. If I don’t find a job soon, I am starting to wonder if I might consider bankruptcy. How would this affect my ex? We were never married but are both on the title/deed of the home.
(*also, right now the value of the home is just slightly less than what is owed on it)

I got an automated message on my answering machine from "Cardholder Services" about being eligible to reduce my credit card rates to 6.9%. I got a second call today, so I did actually "push 9" to get to a live person. Bottom line is for a one-time 0 fee, they negotiate with my credit card holders to reduce my rates to 6.9%, thus saving me a "guaranteed" 00. They said it would appear on my credit card as Debt Safe. They gave me the website www.achieveprosperity.com to sign up on, or I can wait until the packet comes in the mail. Is this a scam? Is it worth it? I tried getting a debt consolidation loan (equity) for 13%, but I have worked at my current job less than two years, so it didn’t go through. I owe about ,000 on the two credit cards they can work with. They say I was recommended to them by one of my credit cards… Help!!

I’ve been having a little dilema about the whole college application process. First off, let me describe the type of student I am. Even as young as middle school, my teachers were telling me that I was extremely mature for my age, and if I keep it up, I’m going to be extremely successful in Highschool. Throughout both middle school and high school, I’ve maintained between a 3.8-4.0 GPA. I don’t have one NY regents score below a 95, including Chemistry. My SAT score is 1920. When this year came along(senior) I’ve been getting a little stressed about the whole application process. When I went to give my form for the letter of reccomendation to one of my teachers, he said that he would write it and also made a point to talk to me in private. He told me that out of all of his students, I’m someone who he unequivically knows that I will be extremely successful. He said that there’s a difference between an A student and a good student, and I represent that quality. However, there is one tiny problem. My father is giving me a hard time about payments. Now, I don’t expect anything for free. I value my education and don’t expect him to pay for every expense, but he can afford to help me a LOT more than he is. At the start of highschool, he told me that most of my college would be payed for by him. It soon went to a lot of my college would be payed for, and now its suddenly half of my college would be payed for. It keeps going down. I’ve had a job for about a year or so now, but the expenses are overwhelming. We are far from financial trouble too. Last year, my father made around 0,000-0,000. We live in an extremely tiny house, have little to no debt(I think in total, we have only 0-00 credit card debt), and have NEVER taken any sort of expensive education. My dad just doesn’t like to spend money. He hoards it. I’ve never gotten anything from him for free, everything I worked hard for. I’m not trying to sound like a whiny brat, I just need advice and opinions on this matter. In my opinion, I think that he should help me as much as he can afford without sinking into a whole. The school I’m applying to only has a tuition cost of around ,000. I’m debating telling my father to just keep his money and get a student loan and go to school part time. I’m not lying when I say that he doesn’t want me to go to college. He would rather I work laborous jobs for my entire life if it meant him paying for anything, and that’s the god’s honest truth. Not that that’s a bad thing, I just am better off with my brain than my hands. I know I’ve ranted a bit, I just wanted to get a lot of these frustrations off my chest! This is a stressful time, and any advice is surely appreciated!

we have a debt of ,000
i think it’s because both my parents did not work consistently… if they were fired from a job or something, it would take years to get another one… plus also they overspent sometimes… especially on food…

so my mom couldn’t handle it all anymore and left with my little brother to her mother’s…. half way across the world

there would always be fights between my parents and she said she needs to get away from it all

she wanted me and my sister to come too but we said we are not going to leave our dad all alone to pay off the debts

she thinks we’re choosing him over her, which is really not true… we’re just not the type of people to leave someone when they’re in trouble…

how can i make my mom understand that no one has the luxury to just run away from all the mess they’ve created?
she says that it’s all my dad’s fault, he’s THE HEAD OF THE HOUSE and it’s his responsibility to provide for the family… !
I’m 20 yrs old and my sister is 15
and it’s been 3 months now that we haven’t seen them

plus now she has all these problems with her heart and we have to be careful with what we say and do… she’s already been to the hospital while she was away
we cannot file for bankruptcy for reasons I cannot mention here