I read… a lot, but I’m not much of a teen romance junkie. Too Sappy for my style. ’specially ones in girls’ POV. And I was delveloping on an earlier idea, which I tweaked a bit, yet I began the plot was weak, and didn’t flow well, and most the scenes had and awkward sense and just sounded very immature.

Yet 4 of the characters I created were just so well-rounded, and I had drawn close to them. I couldn’t risk wasting them on a crappy, over dramatic story.

So after reading ‘A Seperate Peace’ (good book, I recommend it), I overlooked my own story, and one of the character’s plot(perhaps, one of the stories greatest salvations). I think the novel just may be better if I had worked the novel around that character’s POV.

So. A bit of a downlow on the chracters.

Austin (looking for potential new name) ~ Handsome, moviestar tan, dapper, lively and brisk, though he doesn’t realize it very much, kind of arrogant. Mom died when he was eight years old, father owns a multi-million dollar buisness that makes like… everything. Captain of Lacrosee team.

Liz~ childhood friend, ex-girlfriend (though many ties of their romance gone sour is almost completely forgotten), close friend, and fellow highschooler to Austin. Copes with learning disabilties, (ADD and Dyslexia). Struggles to keep a 3.0 GPA. Excels in the arts (painting, singing, acting)

Emma~ shy, withdrawn, obessed w/books, and a bit of a germaphob. Twin sister of Sitiles (see below). Amazing Painter, better than Liz. Series of events through out book make her grow as an indivual.

Sitiles (looking for potental new name)~ Red head, feels intimidated by almost everything Sitiles does, on the outside seems like a care-free prankster, very loyal to friends and family, feels underappricated to his parents next to his sister. Learns to apreicate others later on, and have more recognition for human feeling.

Summary:

Austin lives the good life, until his father company goes bankrupt, and his Father commits sucide. His views on life change, and his learns how [insert a nice adjective here] can really be. He might fall in love along the way.

Basically, He falls in love with Emma, who visits him in the hospital after his father dies (I haven’t figured out how he lands himself in there yet), gets him read books.

Then sitiles has that brief. "HOLY SHIT!THAT’S MY SISTER MOMENT!" Though I fear he might be falling to the Ron Weasley side of the spectrum. Giving the fact I already gave him red hair, and that ron-ish biased ness.

Yet I can;t just change his character. I wouldn’t feel right… so yeah…

Opinions? Suggestions? Ideas for first scene and names?

Technorati Tags: buisness, childhood friend, crappy, downlow, dramatic story, emma, ex girlfriend, fellow, friends and family, gpa, indivual, mom, moviestar, novel, painting, pov, prankster, seperate peace, teen romance, twin sister

My mom filed bankruptcy last year and she just can’t afford to help me. I am 20 yrs i will claim about 16-17k on my tax return from doing landscapeing this year. I pay for school, rent(8months where i go to school and i give my mom about 250 a month in the summer), car insurance, truck, and really everything except i’m on my mom’s health insurance(teacher). Can i claim myself? and how would it hurt my mom not being able file me as a dependent, and how much would it help me as far as paying taxes on my business and paying for school? Thanks

Technorati Tags: bankruptcy, car insurance, health insurance, insurance, mom, paying taxes, school thanks, summer car, tax return

Please no horrible responses; I am genuinely concerned.

My husband (47) seems to continually repeat the same things over and over again: it sounds daft, but it’s got worse over time (the last 10 years.)

He tells the same ‘jokes’ over and over which are very old jokes that he has told many times and laughs out loud at them, so much so that he has to pull off his glasses to wipe the tears from his cheeks at things that are not funny (and things he has said 100 times…) In addition, he repeats stories and tales from 10 to 20 years ago, (and beyond,) some which are wildly exaggerated, (especially when telling others… as if to impress or shock…)

And he tells me something that has happened, (at work or whatever,) some 5 or 6 times, until i say I KNOW this, you told me already… like 5 times! He must have told me his first single he bought and first album and how he and his dad went to the plough pub to pick up his mom every week and she was always late, 100,000 times….This is just a few of dozens and dozens of things he continually REPEATS over and over!

He only ever sings any one of 3 songs, and keeps continually putting Red dwarf and the i.t. crowd and the inbetweeners on dvd every day over and over….it’s like he has an obsession with the same 3 songs and the same 3 comedy series….there’s millions of other songs, and 1000s of other tv programmes and yet he is obsessed with the same 3 of each. I have started to leave the room when he puts this stuff on; I like them all, but it’s a pee take now.

He tells constant lies too..and he exaggerates hugely, and I think he believes the stories himself! He told people at work the other week that I had been severely ill and hospitalised, when I had had a 3 day cold! One of his colleagues saw me in town and said ‘I hear you were in intensive care…’ I just said meekly, er I am better now…knowing he had probably lied.

And he has had several occasions where he has made out he has gone and demanded money back on something and screamed and stamped his feet til he got his own way, and I found out later that he just bought another item and didnt kick off at all…He yelled at 3 kids for smoking in the street the other week, but when we saw 3 huge beefy black men smoking 10 minutes later, he said nothing. I said, ’say to them put yer effing fag out then!’ and he ignored me. Its like he could only shout at 5 ft tall 13 year olds, and not real men.

He also talks down to me sometimes as if I am thick and don’t know the simplest most obvious things…He acts like he SOOOO much more intelligent. He tries to give me instructions on things I have done 100 times… I just say ‘i don’t know WHAT I would do if I didn’t have you to guide me through life..and God knows how I got through the first 23 years of life before I met you.’

He makes out that he is the king at his workplace and the place wouldn’t run without him, yet he has been there 7 years and is still a crew member on 22.5 hours a week on minimum wage while people half his age have made manager after 2 years. He thinks my family are nasty common chavs and his were middle class and special, when his dad was sacked for the RAF for stealing and is brother has a criminal record for fraud!

He seems to have a massive superiority complex, but has nothing to back it up, no decent job, no qualifications, and his massive spending on materials items in the 1990s and early 2000s, (running up £50K debt) resulted in us going bankrupt because he couldnt keep up the payments…) Also, his family were really nothing….certainly no better than mine…. And his wage is so lame that we live partly on tax credits (we have 2 kids And I work 16 hours a week and I do EVERYTHING in the house including most of the childcare…)

He makes so much sh1t up…and believes it himself… I have caught him out in so many lies and wild exaggerations over the years, from saying he used to be a milkman, and a policeman and he used to own his own business, to lying about how women always used to chat him up when he was with his friends at the pub… it would take too long to explain, but I have found him out over the 25 years we have been together..

Even our 2 daughters think its odd how he always repeats everything over and over and sings the same 3 songs and tells the same stories and ‘jokes.’ And sometimes he just has a go at them for next-to-nothing; no reason at all, and talks down to them, like he is intelligent and superior..he doesnt have a gcse to his name and has spent his life working factories and at mcdonalds..

our younger daughter even asked me why dad doesnt work full time like their friends dads. He said he will get a better paid job, but within a week its as if he forgot the conversation!

Is there some personality disorder here?

Please don’t respond to this just to slag me off for ‘being nasty.’

Technorati Tags: 10 years, 1000s, cheeks, cold one, colleagues, comedy series, crowd, dad, dozens, glasses, intensive care, jokes, mom, money, obsession, occasions, pee, plough, red dwarf, tv programmes

Please no horrible responses; I am genuinely concerned.

My husband (47) seems to continually repeat the same things over and over again: it sounds daft, but it’s got worse over time (the last 10 years.)

He tells the same ‘jokes’ over and over which are very old jokes that he has told many times and laughs out loud at them, so much so that he has to pull off his glasses to wipe the tears from his cheeks at things that are not funny (and things he has said 100 times…) In addition, he repeats stories and tales from 10 to 20 years ago, (and beyond,) some which are wildly exagerrated, (especially when telling others… as if to impress or shock…)

And he tells me something that has happened, (at work or whatever,) some 5 or 6 times, until i say I KNOW this, you told me already… like 5 times! He must have told me his first single he bought and first album and how he and his dad went to the plough pub to pick up his mom every week and she was always late, 100,000 times….This is just a few of dozens and dozens of things he continually REPEATS over and over!

He only ever sings any one of 3 songs, and keeps continually putting Red dwarf and the i.t. crowd and the inbetweeners on dvd every day over and over….it’s like he has an obsession with the same 3 songs and the same 3 comedy series….there’s millions of other songs, and 1000s of other tv programmes and yet he is obsessed with the same 3 of each. I have started to leave the room when he puts this stuff on; I like them all, but it’s a pee take now.

He tells constant lies too..and he exaggerates hugely, and I think he believes the stories himself! He told people at work the other week that I had been severely ill and hospitalised, when I had had a 3 day cold! One of his colleagues saw me in town and said ‘I hear you were in intensive care…’ I just said meekly, er I am better now…knowing he had probably lied.

And he has had several occasions where he has made out he has gone and demanded money back on something and screamed and stamped his feet til he got his own way, and I found out later that he just bought another item and didnt kick off at all…He yelled at 3 kids for smoking in the street the other week, but when we saw 3 huge beefy black men smoking 10 minutes later, he said nothing. I said, ’say to them put yer effing fag out then!’ and he ignored me. Its like he could only shout at 5 ft tall 13 year olds, and not real men.

He also talks down to me sometimes as if I am thick and don’t know the simplest most obvious things…He acts like he SOOOO much more intelligent. He tries to give me instructions on things I have done 100 times… I just say ‘i don’t know WHAT I would do if I didn’t have you to guide me through life..and God knows how I got through the first 23 years of life before I met you.’

He makes out that he is the king at his workplace and the place wouldn’t run without him, yet he has been there 7 years and is still a crew member on 22.5 hours a week on minimum wage while people half his age have made manager after 2 years. He thinks my family are nasty common chavs and his were middle class and special, when his dad was sacked for the RAF for stealing and is brother has a criminal record for fraud!

He seems to have a massive superiority complex, but has nothing to back it up, no decent job, no qualifications, and his massive spending on materials items in the 1990s and early 2000s, (running up £50K debt) resulted in us going bankrupt because he couldnt keep up the payments…) Also, his family were really nothing….certainly no better than mine…. And his wage is so lame that we live partly on tax credits (we have 2 kids And I work 16 hours a week and I do EVERYTHING in the house including most of the childcare…)

He makes so much sh1t up…and believes it himself… I have caught him out in so many lies and wild exaggerations over the years, from saying he used to be a milkman, and a policeman and he used to own his own business, to lying about how women always used to chat him up when he was with his friends at the pub… it would take too long to explain, but I have found him out over the 25 years we have been together..

Even our 2 daughters think its odd how he always repeats everything over and over and sings the same 3 songs and tells the same stories and ‘jokes.’ And sometimes he just has a go at them for next-to-nothing; no reason at all, and talks down to them, like he is intelligent and superior..he doesnt have a gcse to his name and has spent his life working factories and at mcdonalds..

our younger daughter even asked me why dad doesnt work full time like their friends dads. He said he will get a better paid job, but within a week its as if he forgot the conversation!

Is there some personality disorder here?

Please don’t respond to this just to slag me off for ‘being nas

Technorati Tags: 10 years, 1000s, cheeks, cold one, colleagues, comedy series, crowd, dad, dozens, glasses, intensive care, jokes, mom, money, obsession, occasions, pee, plough, red dwarf, tv programmes

I am 26,000 in credit card debt. My life turned around completely last year and I lost many things in my life, family, job, etc. I am not making enough on my job to pay the basics and have been using up all may savings. Now I have no savings left and am short 600 month just for basics and providing for my daughter although she doesn’t live with me. She lives with my mom who is living on ss. I need to file chapter 7 but can’t afford the fees and am not smart enough with paper work to do it myself (I’m terrible with directions). I can scrape together money for the useless credit counseling stuff (so they can figure out how I can pay 1800 bills on 700 income, lol) if I don’t buy groceries for a couple weeks but I have no way of getting 500 dollars. My employer cuts hours every week and it’s that way on all retail jobs. I can’t just get a better job and even with that, i would only have the money I need for the basics. My small tax refund will only be 30 dollars.
If I was able to get a second job (not easy with no transportation and if I work after dark, I have to take a taxi (I spend 20 dollars a week now on taxi rides when I get off at night as my neighborhood is very dangerous and I can’t move). If I can find extra work hours, it will just keep me from being homeless a couple months longer, it will not cover bankruptcy costs. I have no resources, family and friends have no money to help. Is there anywhere in Houston where I can find free legal help (not just a consultation but actual filing assistance without cost?) If I have to pay the fees, I will not be able to pay rent. At the rate I am going, I will be homeless as of July 1st providing I don’t lose my job or have any more hours cut.
They are only a week late but I am already getting calls all day during the week. No one leaves a message on my machine so I presume it’s one of my creditors. I need to file bankruptcy because if I don’t they will sue me and freeze my bank account which only contains my pay deposits which are only 700 but if they take that, I can’t pay my rent. I have nothing to sell as I lost everything I owned last year when my family through me out. They gave away and sold all my stuff. I have a 50 tv and a40 boombox that doesn’t work and a 2year old computer that runs slow.

Technorati Tags: all retail jobs, bankruptcy costs, chapter 7, consultation, couple weeks, credit card debt, credit counseling, creditors, family and friends, free legal help, groceries, lol, many things, mom, money, neighborhood, second job, ss, tax refund, taxi rides

I filed for bankruptcy back in feb 05 b/c I was returning to school and wasnt going to be working full time anymore, and it was all finalized in aug 05. My mom told me to put my car on there but I didnt b/c I thought I would have at least a part time job. Now Im not going to be working part time, I have workstudy at school, and only work 1 hr a day, and get paid 6 bucks an hr. I want to get rid of my car so I dont have to worry about a car note, and dont want to seel it b/c it sells for around 5,000 and I owe 11,000 on it, what can I do?

Technorati Tags: bankruptcy, full time, mom, part time job, returning to school

I got married from a marriage proposal,then after the honeymoon my husband told me that he has debts of us100,00 dollars. So now his mom and he is telling me to bear this and help him to settle debts.I was not told about these debts before and I was shocked after I heard it…..It is unbearable because this is a big amount for us. I am living with him in a developed country ,whenever i remembers this i go crazy.Because they lied me………..Please tell me wot to do now?????????

Technorati Tags: debts, developed country, honeymoon, marriage, marriage proposal, mom

Well I honestly think that now Obama shouldn`t be president because now he has to cut everyone`s checks unless the people in office agree on the same things. So the United States is basically on the verge of debt? Like I don`t think it`s fair to cut people`s checks because they actually need that money in order for them and their children to survive and if that only check they get like twice a month gets cut, how are they going to live? Like my mom gets a check for me, and my dad gets one for me and for being a veteran, but they`re not together, so how are me and my mom going to survive? Why can`t they just agree and give back our checks, and give back the amount of money we originally had? What does the government do with all the money they are printing? All that money, going to wast? C’mon. Really. If we go bankrupt, America is going to be like the 3 world countries that are still developing and need help from others, and then pretty soon we are going to be forced to move to a different country, and be effing poor there too!! What are they doing in the government?
Well give me how you feel on this, I would really like to hear your opinions.
plus,, im only 14. so as this may seem as a wrong way to state my opinions and this question
please dont be rude. i just want to see how others feel

Technorati Tags: amount of money, bankrupt america, checks, dad, mom, united states, verge, veteran, wast, world countries, wrong way

Beside the fact of me being told I have 3 days before I’m being kicked out the house, the b1tch that’s kicking me out is forcing me down the military route, my original plans were going to Bethune but I literally have the most uncooperative parents ever,the tuition is high, and that’s school is VERY family oriented.my parents would rather smoke w33d or watch "All My Children" before it gets canceled and judge me like I was the reason they are miserable.Brief financial and current situation. . . Father is ex military,literally f***ing psychotic(surprised one of us aren’t dead in all honestly) does get a retirement check but most of that is garnished from child support (bastard child). Hasn’t had a job in 2 years and they year before that he literally had 4 different jobs(quit them) and the job he has now is a entry level job scanning papers into Xerox machine part time (really hard huh?) and wait this is the best part . . . my mom helped him get that job . . . working in the same building. My mom’s job is fairly decent, credentialing specialist, nothing close to where she should be getting for her degree, but that’s another discussion.. They have been in Bankruptcy twice and have been kicked out-TWICE!!! (and they still have the nerve to criticize me on my trivial choices)Meanwhile I scored a 74 on my asvab (i know its average) and I been going back and forth to the recruiters office discussing certain things about the Navy and what they can do for ME. They can’t offer much but I’m very limited on choice so the Navy is where I’m stuck on going. The big discussion that me and the recruiter(s) have is ultimately is that , is this my choice on going or not.I truly don’t want to go to the military,I’ve been told I have a good foundation for it but I shouldn’t go because I just don’t want to go and I have no drive whatsoever to go in enlisted. They tell me I will be miserable. I’m going to be kicked out and soon anyways but whats the point of going into the military if i would probably get an ELS (if you don’t know what that is, you shouldn’t even think of giving me an answer anyways) But if I don’t go, I’m going to be homeless soon (that’s is happening regardless)

So I need alternative options (no snarky or just plain irrelevant remarks please!!!!!!!!!!!!!!!!!)
Ask me for additional details

Technorati Tags: all my children, asvab, bankruptcy, bastard child, child hasn, child support, choices, current situation, entry level job, good foundation, ing, military route, mom, navy, nerve, part time, recruiter, retirement check, xerox, xerox machine

I became a landed immigrant to North America when I was 19 years old. After that I got married and started a family. After my mom passed away 15 years ago I felt a responsibility to take care of my family members such as my brothers and sisters. I worked very hard for them and sponsored them to come to North America.After I brought my family to North America, I tried to start my life and then found myself in more than 0,000 + worth of debt. I’m 45 years old and still working very hard (84 hours a week) and I bought a place to live with 0 down payment just to give my children a better place to live. So now i’m in a very stretched and stressful life because all of our income comes and goes to the interest because I don’t want to go bankrupt and yet it’s hard to deduct any debt that we have. So, what is the solution to pay off all my debt, so I can focus on my mortgage? I need a concrete and helpful answer please and thank-you.
Thank you for all your responses. I just want to explain to you that I put myself in this situation because of helping my family, in other words my generosity. Even though i’m 45 I keep working hard and hopefully I will see the golden result.

Technorati Tags: 19 years, 45 years, brothers and sisters, family members, generosity, mom, mortgage, north america, stressful life

I’m scared.
My mom is an accountant and my dad is unemployed. He has been for about 5 years. I’m mad at him enough so please no comments on how he should be getting a job. I don’t think he will because he is stubborn and if he was planning on getting a job, he would have by now.
Today I found out that we are being sued by the Bank Of America because of credit card debt. My mom told me not to worry and that we are just going to file bankrupt. I know it’s bad.
Any advice?

Technorati Tags: accountant, bank of america, credit card debt, dad, getting a job, mom

my mom keeps paying a month to my hospital bills from a couple years ago from a motorcycle accident.She thinks its helping me in some way…. I told her not to because its already on my credit as bad debt and they are probably less likely to settle for a smaller amount if they think they are going to eventually get all of their money. Its the only bad thing on my credit and its hurting my score horribly. what should I do??

Technorati Tags: bad debt, hospital bills, mom, money, motorcycle accident, score

he was always so controlling growing up. i couldnt drive like my friends could he never let my mom drive either. he always had to drive her out of town. i remember going to the store and i would be with him when he would see a stranger I felt like i would be kicked aside and his performances would began. he would make them feel like he is the best guy in the world. he would always had this thing for helping strangers over his family. we were always brushed aside if a stranger needed help. i just always thought this was weird growing up. i left got married. not 13 years later….i havent lived near him in those years and decided to move down the street from him. he is a contactor and he said he would do anything i wanted to my house and help me. so i paid top dollar for it and i thought my husband ,me and him would work on the house. he does some drywall work and then rips out the bathroom and rips stuff out upstairs and rips the stairs off says he is going to build me the best stairs . so my husband and i are working with him try to learn and do what we can. i was paying him what i could and then he found out i paid the wood layer to lay wood on the floors and he got really pissed and started telling my mom that we are just USING him. He said he is never going back down there and helping me. so my husband and i are now stuck with this house that he just decided to rip stuff out of and say how good he is at fixing it. he knows we dont have any money to hire contractors and we are very limited on knowledge about how to fix it. he would say you cant fix it because you dont have to money to hire contractors. and stuff like that. so my husband and i have been for the past 6 months try to learn and fix. in the meantime during this remodeling period he promised me i would be in the house christmas and i told him we cant do this together longer that that because i have another mortgage and i have to get my house ready to sell. he said i would be in the house last christmas. no he just walks in the house and said if you dont pay me for working 500 a week i would put a lien on your house or you can finish it yourself. so my husband and i just decided to finish it ourselves. he is an alchoholic gets drunk every night. the bad news is that i have been staying with him and my mom until the remodeling is done. he got mad at me last week and locked me and my son out of the house after i went to the grocery store and couldnt get my other child out of the house. my daughter let me in . he changed the locks and my key wouldnt work. he is very jealous because he knows i have about 100,000 equity in my other house and i was asking him to do this one little job that i could find anyone else to do and he thought i was talking about the house i have all the equity in and said he is absolutely not going to do any work on that house and me turn around and sell out and make money on. i had to sell all my stocks have been through my savings just to not lose anything. the whole house was ripped out and i couldnt get my other house sold that had the equity in until i got the house ready to store my stuff in because i couldnt afford storage and had nowhere to put my stuff. he shows no concience. how could you lock your grandchild out of the house? i told him that i am going to lose my house and have to file bankruptcy because he bailed on me and ripped my house out and he could care less. he never showed love to me growing up and doesnt now either. its very eery. i tell my kids i love them all the time. it seems he wants to win. my husbands family has really been helping us with out house trying to get it sold and he gets really pissy not happy for us that they are helping. i asked him if he could just please bring his triler over to the house after work instead of the morning so i could move some furniture and there will be 5 other people here also. he said oh so you are trying to con me into moving furnture. i litterly have to have another person around me when he does stuff for me because he puts on this great show and does this spectacular job when a stranger is around. if it is just me and him he will be throwing my furniture around. i feel like he wants to win . he wants me to fail. this is about him not helping and then us failing and losing one of the houses. he told me when he said he is not working any more on my house that HE has the power to get me and the kids in out house . I have wondered what i did i was a model child growing up and never asked him for anything before this house thing which was a huge mistake. and then i started reading about being a sociopath and he fits the criteria but i am not a psychologist

Technorati Tags: 13 years, christmas, contactor, drywall work, last christmas, mom, money, mortgage, stairs, stranger, top dollar, upstairs

The main question is what do you want to be?

My dreams:

MUSIC
Well lately i’ve been wanting to become a asian pop singer lol, i’m going to learn Japanese, korean, and Chinese. I’m Vietnamese though. Maybe American Idol…. you guys would vote for me right? XD I’m still deciding whether to quit orchestra to switch to chorus.
Maybe i will be a private music teacher, i know how to play cello, violin, and viola. This summer i’m going to be improving my guitar and piano skills.
Or i want to build my own music school though i don’t want to go bankrupt if no one attends lol.

MEDICAL only reason is cause it makes money.
Doctor, Me = Clumsy xD
Pharmacist = Boring
Dentist, wait… is that even medical? XP

HISTORY
Archaeologist, my mom says if you study history you can’t find a job (>-<)/
Paleontologist, i hate being outside. Especially in the Sun( I’ll look like a piece of burnt toast within 30 mins, i own spf 110 sunblock)
So many dreams I’m so happy, thanks for sharing! Yes i know what "bio" is i took the practice ACT and SAT and scored pretty high.

Technorati Tags: american idol, asian pop, burnt toast, cello, dentist, dreams music, lt, mom, money doctor, music school, own music, paleontologist, pharmacist, piano skills, pop singer, practice act, private music teacher, study history, sunblock, violin and viola

BTW the headline was sorta overreactive but i really am scared

alright read my previous post first-

Im joyful friendly have lots of friends and seem fine, but down below im a wreck. I need help from someone who can understand and not judge me, I dont know if the school counsler is supposed to deal with these things. I have gone bankrupt, my mom passed away(main part of why im bawling at the moment), our house forclosed, my grades took a dive. I just dont show my wrecked heart. sometimes I just want to cry my fing heart out untill I cant talk anymore. I have now realized I cant think of my old house, my only real place that I belong. If I could have anything in the world, it would be to go back to my old house, to my old house, fill it with my life and memories, and just take my baby blanket and snuggle up with my mom. but I know this will never happen, and Im crying extensivly now. is the middle school counsler qualfied to help me with my problems??? my dad can get me a real phycologist if I need one but please help

Ok so I have decided to try the counsler first then the Phycologist because most people reccomended the Phycologist- but what is it like? its kinda freaky because Im not sure I want to just open up to someone I dont know but I will do it- so what do you do in a session and how does it help???

Technorati Tags: baby blanket, dad, fing, heart, memories, mom, phycologist, school counsler, untill

Last night, my boyfriend saw on the news that the Saturn car company is going out of business. I drive a 2007 Saturn Ion Sedan and my mom has a Saturn Vue. So how will this affect me and my mom and other Saturn car owners? I know that we can go to any place to get an oil change, but what if we need any repairs, car parts replaced; would auto shops still be able to order the specific parts??

Technorati Tags: 2007 saturn ion, auto shops, car company, car owners, car parts, going out of business, mom, oil change, saturn, saturn car, saturn ion, saturn vue

I had unauthorized deposit to my account. earlier this week I had my account overdraft because I paid my insurance company and they took more than they were supposed. I told my mom to ask her for help and she was furious saying that it is my fault that i will go bankrupt and I will never recover from this. Now I have deposit that I don’t know what it is from and I googled they name of the company and it is a cash loan company. I want to close my account, but I am afraid I will not receive my paycheck because my company I work for requires direct deposit. So what do I do? How do I make sure I get my money.

I feel horrible my mom is going to make remarks and say i deserved what I got. I am 27 and wants me to report everything I do to her. She told this is what happens to people like me. I am not a bad girl at all.

Technorati Tags: account overdraft, bad girl, cash loan, direct deposit, insurance, insurance company, loan company, mom, money, paycheck

I am 15 gonna be 16 soon. Since I am 9, my mom gets angry easily. When she is moody or are angry at someone, she will always scold me, my older sister and older brother. She can be angry at us and scold us for more than a week. When one of us did something wrong, she will scold all three of us(as for the two other ones, their past history lecture will be dig out again. And of course, she will be mad at us for more than a week.) There was this one time my older sister was talking back to my mom and she got angry for over a MONTH. She scolded me and my sister. (even though I did nothing wrong at all that time.I was so quiet when they were arguing in the car but…in the end, she dug out all the past history again.Luckily for my brother, he went overseas study.) Not only that, she always think that she is correct even though sometimes when she knew she was wrong, she will never apologies and will find something else to scold us.

Not only that, she will tell all her friends and family about us. Saying how angry she is, how sad she is, how pitiful she is. And whats more…when she knew a stranger and started talking for 2 or 3 days, she will also tell them how pitiful she is. She always tell people how great a mother she is. For example, she said she made the dried carrot with some other ingredients for my dog. But in reality, she bought it from her friends. She always talk bad about us and never ever talk anything good about us. (negative thinking)
Not only that, she always criticizes me in whatever I did. All the things I did is not good enough for her. She even cursed my ambition to go bankrupt. And…she always remember the bad things and not the good ones. I’ve never been praise by her before only to be criticized.(Between, I’m not a bad girl. I’m like all the normal teen but I don’t rebel against my mom. I’m not an A-student but a B-student.)

She also always think of herself as a very pitiful woman. And sometimes, cried to herself just by thinking how pitiful she is. So…is she psycho?If she is,what should I do?

Technorati Tags: ambition, apologies, bad girl, brother, carrot, friends and family, history lecture, mom, older sister, other ones, stranger

My mom put my name on her house so that if anything ever happened to her the house would just transfer to me. Her house is completely paid for. Unfortunately I have managed to screw up my finances so badly that I need to file for bankruptcy. Can the courts go after my mom’s house and is there a way to protect it. I never signed anything to add me to the deed.

Technorati Tags: bankruptcy, mom

stay home with your child the first 2 – 3 years of their life?

This is what I want to do, I especially don’t want them going to a daycare/babysitters until they can talk and tell me about their day!

Yes, I know that with another income that life would be much more comfortable, but what is important to me is being there to see those first cute things they do and say. Do you guys believe that it’s true that the first few years of a kids life and how they are raised during that time make them who they are going to be when they grow up for the most part?

I’m not saying that I’ll continue to stay home even if we are about to go bankrupt, but just that I would sacrifice that extra income to spend those first years with my baby.

Does anyone else feel this way?

It seems that lots of ppl think I’m crazy for not wanting to go back to work a few months after the baby is born bc of the second income. It’s just hard for me to agree with them, I guess.
Sorry forgot to mention that my fiance and I are getting married this Summer, we don’t have kids yet, but he has a steady full time job that pays pretty good!
My fiance says that it’s "unfair" that he has to bring in all the income so that I can stay home all day with the kids. But you know, I’m not going to be staying at home to be lazy, I want to raise my child. He says "there are grandparents and daycare." I don’t want that though. I also said, well what if you are making enough but he is convinced that he won’t be making enough for us to live comfortably without me working. Any ideas how I should approach this subject again? It’s really bugging me. He says I’m being selfish, but I’m just trying to be a good parent bc look at how messed up this world is these days. My mom never worked, my dad always did, and I cherish that so much, having a full time "mom." AH, I dont know!

Technorati Tags: 3 years, babysitters, cute things, dad, extra income, fiance, first few years, first years, full time job, grandparents, mom, ppl, quot, staying at home

So this guy wants to sue me for defamation. But i havent received his lawyer’s letter. Once i received any letters asking me to appear in court, can i immediately empty my bank account and keep the cash at home. so in the case i go to court and lose , i will just have to declare bankrupt but he cant take my money.

seeing how the courts nowadays tend to award sky high amounts of money for defamation, i definately would lose all my money if he wins

or will the courts check my bank account and question be why i took the money out etc. This is if i empty my bank account BEFORE filing bankruptcy or even appearing in court to face trial for defamation.

will this work to save my money?
i got not much other assets he can take them if he wants to , its not worth much

if i withdraw my bank savings and keep it at my parents, its their property. so even i am bankrupt they cant touch the money as its my parents, am i right?

or will they check my account and find that i withdrew money and force me to pay up. this is if i withdrew the money at the first lawyer’s letter i get, once i get a hint there is some legal action being done the savings are going to be all WITHDRAWN and kept under mom’s pillow

well if i am bankrupt, then i wont have to pay a single cent to no one thats the law isnt it? i dont care about being bankrupt, i just want ot keep my hard earned savings, which happens to be quite alot

Technorati Tags: assets, bank savings, defamation, earned savings, filing bankruptcy, lawyer, mom, money, parents

Probably cant get a loan to pay them off because of my bad credit? My mom has good credit and might help me out though. Still wouldnt even know where to start.

My cards are in horrible standing. At this point they are all closed accounts. They want their money in full (or a settled amount). I have a better job now and I can afford to pay 250 a month towards this.

Any debt consolidation ideas; loan ideas; debt-relief programs??!?!?!

Technorati Tags: bad credit, cards, debt consolidation, debt relief, job, mom, money, relief programs

My in-laws purchased a home and got a loan under my wife’s name prior to us getting married. They used my wife’s name because they weren’t able to get a loan themselves. They make all the payments on the home. My wife and I don’t live there nor do we have any intention of living there as it’s in a bad location. I had no idea about it until after we were already married.

The in-laws are close to losing their business and can barely pay their bills. A bankruptcy seems imminent and i’m pretty sure the house which is mortgaged under my wife’s name will be foreclosed. Is there anything I can do to protect my wife and myself against this? If it makes a difference they just transferred the Deed to my mom in-law, but the loan isn’t. The home is worth 0k and they still owe 0k since they’ve been making interest only payments.

I worked really hard to get my credit score over 800. I want my own house!!! I couldn’t even qualify for any of the first time home buyer programs because of what my in-laws did under my wife’s name.

Any advice would be greatly appreciated. My brother suggested divorcing my wife (just on paper) so I can at least avoid ruining my credit.

Technorati Tags: bankruptcy, brother, credit score, first time home, first time home buyer, first time home buyer programs, home buyer programs, intention, mom, time home buyer

My dad has worked his whole life, obsessively…trying to do good for himself since he was a young teenager, and brought his strong hard working career ethics into his adult life providing well for my siblings and my mom. The last 10 years have been pretty rough, all and all, I know he’s wearing down, physicall and mentally.

Its hard on him because hes worked just as hard as so many other people who are retiring right now at his age. And I know there are so many other countless people who have lost their jobs and homes….and he’s aware of that too….but sometimes I know when my dad gets down….and its hard on me. Im 30….and he’s late 50’s….he tells me now and then how he gets tired and worn out, and I stress about the horrible time in my future that I will lose him….(he’s a night time drinker and 24/7 smoker). He’s one of the hardest working people I know, and I just worry. I also work with my father, we are self employed. Through the 5 years we’ve worked together, we’ve almost gone bankrupt so many times….seeing our bank account go down to the mark of hundreds…knowing how quickly it will dissipate. Right now we’re ok, we’ve brought our money in, but just never lasts. you know how that goes…..any encouraging words or wisdom/advice?? Nice things a daughter can say??? thx =) Everyone gets a thumbs up point, and best answer, asap.

Technorati Tags: 10 years, adult life, answer asap, dad, drinker, encouraging words, ethics, horrible time, jobs, mom, money, nice things, night time, siblings, teenager, whole life, wisdom

1 year ago I took out chapter 7 bankruptcy. The creditor never contested the debt and it was settled in the chapter 7. Now he is trying to get my mom to pay him and sent her a letter in the mail saying he would sue in 10 days if the debt is not paid. Can he do this?

If my mom does pay is that a violation of federal law and could my bankruptcy case be opened back up in federal court?

Technorati Tags: bankruptcy case, chapter 7 bankruptcy, creditor, letter in the mail, mom

My parents are trying to help me get out of debt. My mom called my one company and lowered the balance from 1,500 to 1,200. I feel really bad that she paid that much because I’m sure they would have settled for less. She didn’t tell me she paid or that she discussed it with them until after she did all this. What should I do in the future? I’m the one who’s going to deal with all my other accounts. How do I negotiate?

Technorati Tags: mom, parents

In the most tactful way. I am 21, My parents recently got divorced and my father was the one that filed. He cheated on my mom over the internet for 2 years prior and finally filed. All my life growing up he was condescending, insulting and patronizing to my mom. He also was unemployed and refused to get a job for almost 10 years, thus forcing us in to foreclosure and making my mom go bankrupt twice. I know he has mental health issues and my mom began to pity him so she stayed but i dont believe thats a good enough reason. Granted, he never layed a hand on any of us(i have younger brothers) but he used to scream, insult my my mom and when he was in a bad mood it would wreck havoc on the entire household.Even neighbors and friends of ours from CHURCH were suggesting and offering to help my mom finacially get a divorce. To me that speaks volumes if christians whom are taught not to divorce are even suggesting. He now has a new gf that he is verbally abusive too imo and i also think he cheats on. I dont want to hurt my mom but i cant help how i feel. Please give me suggestions this is taking so much out of me I cannot concentrate on my studies.
ill add there was a summer about 8or 9 years ago she did really attempt to leave with the assistance of a friend/ neighbor, but my dad said he wanted to go to counseling instead
wow very good insightful answers
i feel guilty for my choice of words, i dont resent as many of you said she tryed to keep her marriage vows and what was best for us kids

Technorati Tags: 10 years, bad mood, choice of words, christians, counseling, dad, divorce, foreclosure, gf, good enough reason, havoc, household, imo, insightful answers, marriage, mental health issues, mom, neighbor, neighbors, younger brothers

he was always so controlling growing up. i couldnt drive like my friends could he never let my mom drive either. he always had to drive her out of town. i remember going to the store and i would be with him when he would see a stranger I felt like i would be kicked aside and his performances would began. he would make them feel like he is the best guy in the world. he would always had this thing for helping strangers over his family. we were always brushed aside if a stranger needed help. i just always thought this was weird growing up. i left got married. not 13 years later….i havent lived near him in those years and decided to move down the street from him. he is a contactor and he said he would do anything i wanted to my house and help me. so i paid top dollar for it and i thought my husband ,me and him would work on the house. he does some drywall work and then rips out the bathroom and rips stuff out upstairs and rips the stairs off says he is going to build me the best stairs . so my husband and i are working with him try to learn and do what we can. i was paying him what i could and then he found out i paid the wood layer to lay wood on the floors and he got really pissed and started telling my mom that we are just USING him. He said he is never going back down there and helping me. so my husband and i are now stuck with this house that he just decided to rip stuff out of and say how good he is at fixing it. he knows we dont have any money to hire contractors and we are very limited on knowledge about how to fix it. he would say you cant fix it because you dont have to money to hire contractors. and stuff like that. so my husband and i have been for the past 6 months try to learn and fix. in the meantime during this remodeling period he promised me i would be in the house christmas and i told him we cant do this together longer that that because i have another mortgage and i have to get my house ready to sell. he said i would be in the house last christmas. no he just walks in the house and said if you dont pay me for working 500 a week i would put a lien on your house or you can finish it yourself. so my husband and i just decided to finish it ourselves. he is an alchoholic gets drunk every night. the bad news is that i have been staying with him and my mom until the remodeling is done. he got mad at me last week and locked me and my son out of the house after i went to the grocery store and couldnt get my other child out of the house. my daughter let me in . he changed the locks and my key wouldnt work. he is very jealous because he knows i have about 100,000 equity in my other house and i was asking him to do this one little job that i could find anyone else to do and he thought i was talking about the house i have all the equity in and said he is absolutely not going to do any work on that house and me turn around and sell out and make money on. i had to sell all my stocks have been through my savings just to not lose anything. the whole house was ripped out and i couldnt get my other house sold that had the equity in until i got the house ready to store my stuff in because i couldnt afford storage and had nowhere to put my stuff. he shows no concience. how could you lock your grandchild out of the house? i told him that i am going to lose my house and have to file bankruptcy because he bailed on me and ripped my house out and he could care less. he never showed love to me growing up and doesnt now either. its very eery. i tell my kids i love them all the time. it seems he wants to win. my husbands family has really been helping us with out house trying to get it sold and he gets really pissy not happy for us that they are helping. i asked him if he could just please bring his triler over to the house after work instead of the morning so i could move some furniture and there will be 5 other people here also. he said oh so you are trying to con me into moving furnture. i litterly have to have another person around me when he does stuff for me because he puts on this great show and does this spectacular job when a stranger is around. if it is just me and him he will be throwing my furniture around. i feel like he wants to win . he wants me to fail. this is about him not helping and then us failing and losing one of the houses. he told me when he said he is not working any more on my house that HE has the power to get me and the kids in out house . I have wondered what i did i was a model child growing up and never asked him for anything before this house thing which was a huge mistake. and then i started reading about being a sociopath and he fits the criteria but i am not a psychologist

Technorati Tags: 13 years, christmas, contactor, drywall work, last christmas, mom, money, mortgage, stairs, stranger, top dollar, upstairs

me and my wife split up 2 months ago. we filed bankruptcy 1 1/2 yrs ago. we put the 2005 van into the bankruptcy. she took the van, but the vans loan is in my mom and my name, not hers. i have the registration on it and am currently paying the insurance on the van. i have the full 146 a week taken out of my check. what rights do i have? she doesn’t want to file for a divorce right now and i have no money to. but i’m afraid if she wrecks it, i’m screwed because the insurance is in my name. we still owe 17000 on it. if she wants the van fine, but i’m tired of paying for that van and the rest of the bankruptcy by myself, especially when she wants 191 a week for child support. do i have right to take the van back, or take the registration and insurance off the van. i’ve waited for her to pay something, but have got nothing. it seems like a big burden that i don’t need. can we sign off the loan and give it to her directly, that way she can have the title and put her own registration on it.

Technorati Tags: bankruptcy, child support, divorce, insurance, mom, money, split up, vans

My mom is out of the country and I am looking to file chapter 7 bankruptcy for her. Is there anyway that I can do this?

Technorati Tags: chapter 7 bankruptcy, mom