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Posts Tagged ‘jobs’

I’m 22 and I have a credit score of 578. There are some negatives accounts and only 1 positive account on my credit report. I first discovered this when I was 19, when I tried to get a small loan for tuition. Since then, I have been trying to get everything straighten out by talking with the people I supposely owed and NOTHING!! I would like to know is there anything I can do to repair my credit, so I’m able to qualify for a loan to buy a house. How did I get BAD CREDIT so young?? Well, I found out it first started when I was away in college. My sister (37 yrs old), got cable in my name and didn’t pay. It went to collection! She got phone & internet in my name, didn’t pay, and it went to collection! Also, she got a cato card in my name, used it and didn’t pay, and it also ended up in collection. And, an uncle got cable in my name, didn’t pay, and it went to collection! I think, my sister could have gotten all my information because truthfully I did stay with her for a year before I went off to college. As, for as my uncle he is suffering from M.S. and he does do reckless and crazy things. I spoke to my sister about this after finding out, and her response is every response in the book. She has had jobs, been involved in scams, and etc..But, has no desire to pay these collectors. I don’t want to take my sister to court but I don’t want to pay off things on my credit report that I didn’t get. At the moment, my parents are in debt because of my sister. She has gotten credit cards in my mother name and cable also. And, she hasn’t made a payment on a ,000.00 loan my dad got for her years ago. She has screwed our parents and even me! My dad says he can’t help me out, because my sister has made it harder for the rest of the siblings. So, I’m trying my best but I’ve been told it’s impossible, if I don’t take out papers on my sister for identity theft. I would do it, but my family is already broken up because of how she screwed my parents. I don’t wanna make it worser but I don’t want bad credit. My fiance and I, won’t to buy a home and get married in the future. But, our credit is holding us back! I have bad credit and he doesn’t have any credit at all! He would get a loan, but he’s never have anything and there are no loans for starters! Does anyone have any suggestions, as to what I can do?? I tried, talking to the collectors..Showing them proof and etc..That I was actually living somewhere else when this all happen..But, nothing!!! Again, I’m 22 and I’m pursing a Bachelors Degree in Psychology. I have a steady income and so does my fiance. Our bills (electric, cable, phone, internet, water, rent, car) are never late but ulities bills are not reported…So, those cannot be used in our favor! We are not able to obtain a small loan, mortage or a credit card, or etc…How can I prepare for my future if this is not handle!! Suggestions??
Also, the main reasons I don’t want to file charges against my sister..Is because she has already been convicted of a felony…She has served time *years* for drugs, drugs, and drugs. She has gotten busted over and over! When it comes to money, I see now she can be obsessed! At the moment, she is on probation again for drugs! Me and my parents, are trying our best to do what we can without purposely sending her back to prison for her children sake (the same kids my mom has raised)! But, if that’s what it takes to get us straight then it will need to be done….

I doubt I would qualify for a loan from my bank to pay it off. I also don’t think I would qualify for one of those consolidation services because I don’t have a good record of paying my credit cards on time. I am so ovewhelmed. I just paid off a lot of money to one of them, and because it was a day late, they increased my balance, so it was like I didn’t pay anything at all! I’m starting to think about declaring bankruptcy but for one of my jobs (I have 3) I am a nanny and get paid under the table. I’m scared that I’ll get in trouble for that. Can someone please help me? I’m shaking so bad right now..I’m having a hard time breathing because I am so worried.

I’m still in college but I would like to get a head-start on learning what I have to do to buy a home when I graduate. My fiance and I will graduate next year, May 2011. We know where we want to live as we both have pretty much found jobs in the area and it’s also where we grew up so our families are nearby. We currently live in an apartment that my father owns, so we live there for free until we get on our feet. Once we graduate we can stay there as long as it takes us to get where we need to be financially. It’s a huge help and I am so thankful because of it. But eventually we want to get our own home. Here is some information I have about us:

–I’ll have about 19K worth of college loans when I graduate, he will have about the same or a little more

–I’ll start out making around 30K-40K a year with my communications job. He is looking to get a job with the state: mechanic, sheriff or corrections officer.

–I have pretty good credit. I have one major credit card, a cell phone, and Kohl’s Dept. Store credit card (this has a 0 balance, we pay it off every month)

–We do not have children.

–We would like to buy a house in the 100K-295K price range.

Am I leaving anything out? I can put more information if it would help?

Do you have any advice, experiences you’d like to share? Anything would be helpful. We’re just concerned about how we’re supposed to start our lives with all this college debt under our belts. We’ve been told about consolidating and FHA loans, anyone familiar with these?

What do you do? No insurance, and not a lot of income?
Number two makes sense. I would love a job with that kind of benifits. Many jobs do not want to hire full time, and many jobs won’t touch me because of a record.
I never have had credit card debt. I have student loans I will always be paying on, but I’m still in college, and I’ve chosen to go to college. And I will always pay on it a little.

I’m 20 and a junior Computer Engineering student and I was thinking it would be a good idea to work first in the field for a few years before thinking about Grad school. Thats what my parents suggested since they are helping me pay for my undergrad and I should hopefully be debt free but I don’t have enough for grad school as of yet. Also I heard jobs can help pay for grad school.

Also I am not sure if I would want a masters in Computer/Electrical Engineering or an MBA. I was thinking an MBA would work well with an engineering undergrad degree. What do you think? Anyone have past experience? Any advice?

I need advice on what I should pursue in college, I am a junior and am torn between education and business. Which route should I take?
This question has been tormenting me for about a month now, and I thought I’d have it answered by now. I am very torn in between these two programs: 1. Human Resources and Society with certification to teach economics, geography, history, political science, and english at a secondary level. 2. A Bachelors in Business Administration with specialization in Supply Chain Management and Marketing.

Both programs are highly recognized, secondary education coming in first in the nation (U.S.), and the BBA being decent enough (Supply Chain is ranked second in the U.S.).

I can see myself being happy with future positions in either category, which is why I’m having such a tough time deciding. In addition, I am a junior and will need an additional 21 credits passed what I need to graduate with the BBA if I choose the education route, which translates to about ,000. I do have money to pay off some college, though I am expecting moderate debt and that adds onto it.

As far as the positions go, I love to teach and would be a great teacher. Especially those subjects I listed. Also, I would be giving a piece of me to the kids I teach which would be very fulfilling. I think it would be a fun job. I also enjoy the idea of having a lot of flexibility in the summer, as well as with weekends and holidays off. On the other hand, I have a knack for making deals and wouldn’t mind a higher income (still, freed up time is most important to me). However, I see many studies on people with high hopes who get stuck in corporate hell and hate their jobs (some stats say 84% of Americans hate their jobs!? But I didn’t see anything in that regarding educators). I really don’t want that to happen to me. Ideally, with a BBA, I would like to be in control of most marketing and supply coordination. Even more ideally, I’d like to use this in the film industry. But those are highly competitive fields and I’ve been reading a lot of studies on how Americans end up in corporations to hate their corporate jobs. Honestly, it kind of seems like those who don’t want to do pre-med or pre-law choose business, and I don’t want to get sucked into like that.

Would I be able to enter the business realm with this HR and society degree that enables me to teach if I find that teaching isn’t the right thing (I have already taken entry business classes to give me the business emphasis for this program)? Is the extra cost worth it (I also have to dedicate another year to student teaching, which also counts for my masters)? If I do pursue the BBA, will the boring class work be worth it (I’ve heard from many graduates that you learn business in the real world, not through an institution, but wouldn’t I need the degree to get my foot in the door because it’s highly specialized)? If I do business, should I view work as something you’re supposed to dislike, with the purpose of making a buck?

All advice/answers are appreciated, but I’d prefer people whom have already graduated in either area as well as an unbiased perspective to answer this question. I am so torn, please help.

Thank You Very Much All – Better Late Than Never

I cant take anymore I am so broke and in debt, my utilities are behind and set for disconnect. I have no money for rent or any other bills. I have barrowed all i can barrow. my husband has changed jobs three times already and its looking up but what about now. I want to help I want to go to work but i have 2 lil ones and my disabled mother i care for. Im tired of watching the people around me so care free and with plenty of money,nice cars, high maintnance pets credit cards. and no worries, i mean i know everyone has worries but if you are living like me you know what i mean. while people like me are drowning in debt. I have never been left anything and never will i dont want my kids to go through this but i dont know what to do. How can i get on my feet and fast? No bs websites please! I have no education I dropped out in high school cause i was moved so around so much and mom just gave up. Im tired of my husband working his a** off for nothing to barely scrape by, he works soo hard. Rent is to high everywhere nothing is affordable anymore. All i want is a home and a break. Please give me some advice im really depressed so if your gonna be mean just pass me by please.

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I moved 1200 miles 4 yrs ago to be with my boyfriend. We went through tough times, he lost his job and ended up moving back home with his parents. I continued to stay here, but I lost my job a couple of months ago, and he and I have continued to see each other. I have been seeking work, unfortunately the area I am in there’s not a lot of jobs availiable, and I am deep in debt. I just started drawing unemployment and my family has helped me out greatly, but it’s not thier job to bail me out, and I want to get back on my feet. My parents feel I should sell what belongings I have and come home. My boyfriend feels that I should weather this bad luck out and if I go home, it would mean not only the end of our relationship, but he feels that if I truly loved him I would stay. I do love him very much, and my family dislikes the guy. He refuses to move out of state with me. My heart is torn, as I don’t want to leave but I am faced with little choice. How should I handle it and tell him?
I just don’t want him to hate me the rest of his life. We do have a history, some bad and lot’s of good, I just don’t see a way out. It’s either I become homeless or start a new life. This is so hard, especially this time of year. I don’t know what to say to him. I have 20 days to get my stuff together, so it’s not a long time for me to dwell on this, as I need to take action now. I just don’t want him to hate me, and think I don’t love him…I do. But is love enough?

I have not always made wise decisions. Eight months ago I had amassed ,000 in credit card debt. Add in my ,000 of student loans still outstanding, and I knew I had to get control of my life. I took on two jobs and temporarily moved back in with my parents so that I could get my spending and debt under control. By living on a budget and working two jobs, I have already paid off ,000 of that debt. All was fine at first, but now I am not resting enough, and I am stressed due to lack of free time and living with my parents after being on my own for so long. However, if I either quit one of my jobs or move out, I will be equally stressed by having that credit card bill hanging over my head indefinitely. The longer I have that debt, the longer it will be before I can save for a down payment for a house of my own.

I don’t know which to choose: physical stress or financial stress? Frankly, both are causing me emotional stress, so there’s no way to do away with that one. Advice?