Except that with what things will cost, on an MT's wages, - sm

• POLL: Are we headed for a recession/depression? - me
  • Oh yes... it is ...sm - curious girl
  • This country is definitely in trouble.... - anonymissy
    • recession - Eileen
      • I agree - jlynn
  • not sure - anon
  • Whatever it is, it's because the US has repeatedly sold - itself to the lowest bidder. - Lowly MT
  • IMO definitely depression - Kaydie
    • While I totally agree re. depression...nm - I agree...and more....
  • recession/depression - MT
    • I live in Michigan....and yes, we are in a recession. sm - MT and worn out
      • MI's been in it's own one-state recession for years - muskegonite
    • Totally agree! - mttg
  • Recession/depression - Amy
    • gas - me
      • I guess one more reason - ginny
        • Except that with what things will cost, on an MT's wages, - sm - Lowly MT

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You should have no problem getting a home loan for that amount ANYWHERE. They will probably try to jack up the interest rate because of your bad credit score, but don't let them. Bargain with them and if they won't deal, tell them you'll go to the bank next door. Get them down to 6.5% or less if you can.

Good luck!

If everyone who wants this fabulous free healthcare would just do a little research they would find out it is not such a great thing. We have several friends in Canada who hate the healthcare system. Canada faces a shortage of docs because they come to the US for better training and the potential for more money and practice here instead. People, do your research, don't believe everything you hear from someone who just wants your vote.

I'd hold off on the wire transfer - they typically charge $25 per transfer for that.

Depending on your bank, they may have an option to add an account that is from an outside institution so you can transfer back and forth.  I had an account with Bank of American before they finally horked me off for good, and I was able to add my account with the credit union.  It was a $3.00 fee to transfer in between banks, and it took about 3 days, but it's cheaper than a wire transfer (unless your bank offers an option to do those for free.)  I was able to set everything up using the online banking system.  It took a couple of days for the set up because they have to verify the new account, but it was worth it.  Before I dumped them, anyway.

Part of article:

Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.

Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.

We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.

So much for reform.

Things other people fear that I do not include snakes (awwww, they so cute! they look like they're smiling!), rats, gangbangers (except Mara Salvatrucha, move them up to my "scary" list), poverty, death, traveling at high rates of speed with almost anyone sober, bats (CUTE!!!!!), homeless people, Sasquatch, most of my male friends, bears, mountain lions. 

Fear is such an odd thing, don't you think? So much of it is relative to our own experiences in life, yet at the same time some of them are downright irrational. 

So, how 'bout you? What will send  you running screaming in the other direction, and what things can you take care of when someone else goes running screaming in the other direction?

I went through a similar situation with my (now ex-) husband's family during the ten years we were married.

Your husband is NOT the problem, his parents are. You said that your husband tried (albeit unsuccessfully) to get along with his father. So, it seems to me that he *DID* try as best as he could. But, sometimes, no matter how hard you try, things don't work out. So you do what the song says, "You have to know when to hold up; know when to fold up ..."

Now, it seems to me that his parents are treating your children like "holiday turkeys," ... bring them to be brought to the table once or twice a year, but ignore them the rest of the year. Yes, that's pretty much what it sounds like, and my heart goes out to your children 'cause I know the pain they are suffering ... because of their grandparents.

I also suspect that the ONLY reason your husband's parents went to the event was to "stick it" to your husband, and not because of the grandchildren. When you love someone and are truly proud of them, you do everything you can to be part of their life.

The ONLY people who matter in all of this are your immediate family ... You, your husband, and your children. Do not let his parents tear you all apart. I think you all need to get into therapy (you, your husband, and the children), so you can work through this problem AS A FAMILY UNIT, 'cause you're the only family that truly matters. You're all in pain and all of your feelings need to be counted, by each other.

Take it from someone who lived it. 

Your writing my store.  I too went to court over 20 times due to custody battle with a dud.  After 4 years of being dragged in and out of court, I ended up the what I had before I started $100 a week.  I did get sole custody of my son though.  I spent probably about $20,000 on lawyers (4 of them).   I wrote a credit check for $5000 to hold is escrow because I had to sell my house and was planning on paying it after the sale of my house.  Well, the lawyer cashed my check and ended up in jail after he ripped off about $75,000 from clients.  I was out $5000.  

I also had a warrant out for my arrest becuse my ex took a notice I had to go to court out of my mail box.  Being that he was good friends with the neighbors from h&#%, I did get arrested and put in jail for about 4 hours which cost me another $250 for the bail. 

Keep your head up.  It will get better.  I haven't gone to court since 8/05 because both judges, the one in family court and the one in municipal court both told my ex to leave me alone.    Everytime I get the mail I'm expecting to get a notice to go to court.   Believe it or not, it wasn't so bad being in jail, a cell to myself, and away from the h$&% he put me through. 

So here I am, had to sell my house, broke as anything, living in a condo, but my kid is all mine. The ex moved 2 minutes away from me "to keep an eye on me" but what goes around comes around and I'm just waiting for the day he gets what he deserves.  My son refuses to go to his house because his girlfriend also took me to court a few times.  He is supposed to pick him up on Saturday morning and bring him home Sunday night every weekend.  So guess who has to give the kid money for the weekend - me.   That comes out of the $100 a week along with lunch money, clothing, food, etc.   I literally ended up having a nervous breakdown, 6 days in the looney bin. 

Keep your head up, I know exactly what you're going through and somehow it does get better.  ');>

Hayseed said, "No more breads, pastas, rice, or taters....all the things we really loved." That could be part of my problem. We've been eating a lot of pasta, rice and taters because hubby can't have dark greens, which includes salads, green beans, etc. because of gout and on Coumadin for AVR.  Don't know what else to make anymore.

We gave up coffee, now, too, because both of us were having stomach problems with it. Two cups a day was our limit. He can survive with it, I can't seem to do that. LOL

Dinosaur said, " I had undiagnosed diabetes and would just "poop" out when my blood sugar was too low (or even too high!)."  Diabetes runs in my family and I've been watching my counts for the past 10 years. So far, so good. I don't eat sugary stuff like pies,cakes, candy, soda. Don't like sweets that much.

I was checked for Lyme disease a couple years ago because I had 2 tick bites. That was negative.

The only allergy I have is my home. Ever since we moved to this house, I've had the flu, colds, runny nose, sneezing, coughing, etc.

Guess I'll have to make an appointment with a doctor and try to find out. Usually I'm one of those people who has something wrong that no one can figure it out. When I was 40, I had mono (rare for my age group) and was told I was "borderline Epstein-Barr and Guillame-Barre [sic]."

 I was also checked for B12 deficiency (borderline), Anemia (borderline), rheumatoid arthritis, etc. You name it, I had the test over a 2 year period. The answer? Nada. I'm beginning to think all these "borderline" tests are coming back to bite me.

Thanks for your help. I think I will make an appointment to get checked out again.

1.  Your house payment probably also has your taxes and insurance added in.  If paid off, you'll still have to pay these.  Mine account for about 1/2 of my total house payment.  Plus, 6% is low compared to the other interest rates.  

2.  Debt to credit ratio:  I've had all of my credit cards increase their rates to "default" rates just because my debt was a high percentage of all my credit (no missed payments, no late pays, etc.)  This will affect the teaser rates as well. 

3.  Your 401k is also probably earning some type of interest.  Take that "lost" interest from money you've borrowed into account.  That will help you better compare the interest rates. 

If you feel you have to talk to a debt counselor, there is no shame in that!  Just make sure it's a reputable company.  As with most things, there are a lot of scams out there.  Good Luck!