Have you gone through the Pell, FASA, PHEAA process yet? Some of those loans are
Posted By: unsubsidized. on 2007-02-27
In Reply to: I need help getting Financial Aid - to help me!
I would be persistent about speaking with a financial counselor. Or, perhaps, stop in your local branch bank and ask to speak to someone. Maybe they can offer some assitance; monetarily or otherwise.
Best of Luck to you.
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Payday loans
I'm in a jam and need to stop these bounced check fees: Just found a payday loan site (We Give Loans) which has selected two companies matched to me where I could best get such a short-term loan (Secure Money Store, Get 1500 Quick).
I've been trying to find out where they are located so I can check in with the BBB or with an agency who regulates them.
As well, I've seen no negative Google hits about any of the three of these entities, which definitely piques my interest/curiosity in and of itself.
Anybody have any experience, thoughts on this, the companies named above or on the industry overall and what to look out for?
Tx.
I know about the no interest loans
I had 2 - one where I moved from previously and still owned and rented that home out and my present home. We got rid of those as soon as humanly possible- those sound good but the interest soon shoots through the roof- this is why all the repossessions going on now. These are only a stepping stone- not for you to keep for years on- you will lose it all. We did not lose but then again we could afford to play around a little- does not sound like you can and you have your hands full.
yes, we can have up to 3 loans with our 401k
and we can barrow no more than half of what is in it. We have 5 years to pay it off. Unless we are using it to buy our primary residence then we have 15 years. What I worry about most with that is making my paycheck too thin. They are already taking out 75 a week for health insurance, 56 for the loan, 20 for a spending account I have, plus 45 to 50 for my contribution to the 401k, 3% of my pay/per pay period.
I had also thought about barrowing against it to pay off my morguage. I owe somewhere between 7000 and 8000 at 6% interest. I went to bankrate.com and did a loan calculator and they estimated 75 per paycheck. I pay 333 a month now. It would be less a month if i did that and that would make me an official home owner, boy that would feel good.
Also the scary thing is, too many people pay off their cc only to run them up again. Once my retirement money is gone, it is gone then what
Actually, has she applied for the federal loans?
I'm sorry, I went on my own rant about private loans! Has she applied for the federal loans? All you have to do for those is fill out a FAFSA and the school should tell you how much you can get. There are two types of federal student loans and you can qualify for one of them no matter how much money you make. Those usually cover tuition and sometimes books.
The private loans come in when the federal loans aren't enough (I'm attending a private college and the federal loans aren't enough). Good luck!
Anyone know who to get college loans when you have less than good credit?
Daughter is going to school and she can get a loan with a cosigner but due to my and my husband's finances we do not qualify. Asking anyone else in the family is out of the question, tried, no luck.. Are there loans out there where my daughter would not need a cosigner. She is a first year freshman.
Anyone who resorts to payday loans, credit cards or
paycheck advances should either find a better paying job or a second job. Crazy to borrow money just to live day to day. Don't bother telling me that I don't know how hard it is today to make ends meet....been there, done that then got smarter! What happens when you can't make the payday loan payment, credit card payment or you've taken such an advance on your paycheck it's gone before you get it?
We are in the process of listing...sm
a home for sale. Want to make sure I put the listing on as many low-cost websites as I can. It's a long story why we are not on the multiple listing yet. I've listed the house on craigslist and a couple of other classifieds/real estate sites. Anyone have any suggestions for where else might be a good place on the net to post the listing. Working on the free sites first and then will consider which of the paid sites are the wisest choices. If you've ever looked for real estate online, where did you search most often or first?
my husband is in the process right now
He started trying to set one up using Yahoo site builder, but he had some trouble with it not making updates properly (maybe just him, as he has no experience with this, not sure), but then a friend that he works with told him about www.homestead.com and he is getting the domain name he had at Yahoo switched over now. They offer a 30-day free trial, and then I think it is a pretty low monthly charge afterwards. Good luck?
It can be a drawn-out process, but here are some
Santa Clara Valley Humane Society:
How Do I Introduce A New Cat To My Presently Owned Cat?
Bringing home an additional cat can be a very exciting event for us humans, however it can be very traumatic for all felines involved. It can end in disaster if not approached carefully! By using the following guidelines below, you can make that transition much easier and have a greater chance at successfully integrating an additional feline into your household.
Pay lots of attention to your existing cat throughout the following procedure, including daily exercise (try a cat aerobics or cat dancer toy). This will help your old cat feel more secure that someone else isn't going to take away your affection.
Have definite, coinciding feeding times for both cats.
Do not at any time physically hold the cats and put them face to face. That is a surefire way to stimulate aggression! Cats are not very forgiving either. If they are started out on the wrong foot, it is very difficult to undo the damage.
Always provide an additional litterbox in a different location. If you have more than two cats, you will need to provide at least one box per cat. This is to prevent territorial disputes over this very important resource. Remember to clean the boxes daily to encourage correct litterbox habits.
STEP ONE: Confine the New Cat to it's own small room.
This is to be your new cat’s "playpen" and safety area. A bathroom, small office or small bedroom where your existing cat normally does not "hang out" are ideal locations for your new cat’s room.
Put a litterbox, bed, food, water, scratching post and toys in the new cat’s room. This special room accomplishes several things. One, it decreases the chances of spreading any possible diseases your new cat may be carrying (remember to keep your new cat confined for approximately ten days even if you are able to complete the following steps in a lesser time period). Two, it helps your new cat get used to the smells, sounds and you, without having to confront a "hostile" greeting party (your existing cat).
Provide your existing cat with his own litterbox, bed, toys, etc. in a different area of the house. He may go the room of your new cat, sniff under the door, hiss and yell but just ignore him when he does so. Do not punish him in any way for hissing or growling at this point. Just walk away from him. Give him attention when he is calm.
STEP TWO: Use Scented Food Dishes
After your new cat has been confined for several days and is not hiding from you or acting nervous, take a small wash cloth, rub it on your new cat and then place it under your "old" cat’s food dish just before feeding time. Now do the opposite for the new cat. If either cat is reluctant to eat, try adding something really special to the cat’s bowl to entice him to eat. (Or put the wash cloth at a distance from his bowl were he will eat quietly. Gradually over the next few days, bring the wash cloth closer and closer until you can finally put it under his dish without any problems.)
Repeat at each feeding (always reviving the scent by rubbing on the opposite cat) until each cat eats calmly with no hesitation, hissing or growling. The more feedings you have per day, the faster the process will go. Just feed smaller amounts spread out over the day. Try to do at least two feedings per day, better yet three or more.
The successful completion of this step may take up to two weeks in some cats or as little as four days with others. In any case, do not move on until each cat is relaxed.
STEP THREE: Use close feedings.
After the successful completion of step three, place each cat’s dish on respective sides of the newcomer’s room. Again, feed definite meals to each cat, at the same time, on each side of their door. You do not need to add the scented cloth under the dish any longer.
Repeat this process until BOTH cats are acting normal; no hesitation to eat, no hissing, growling, spitting etc. then go on to step four.
You can also help this process along by playing daily with each cat under the door with a cat aerobics toy (a rubber pom-pom looking spider on a wire). In the process of playing they will put their paws under the door for the other to see and smell. This may help to engage them in play under the door with each other as well.
STEP FOUR: Play the switch game
If you are starting this step, check to make sure you have had your new cat at least ten days. If it has not been at least ten days, stay on step three until then. Again, this is for concerns of spreading possible disease. If it is over ten days and you are still not at this step, do not worry! Go at your cat’s pace. Your cat will tell you to move on to the next step by acting relaxed and normal.
Step four puts the new cat’s scent all over the territory of your existing cat but without an actual physical confrontation. This is an important step so do not skip it!
Confine your old cat to a comfortable room with a litterbox and some of his favorite food. Let the new cat out to explore by just opening the door to his room. Do not carry him out; as we want him to learn the route to and from his room on his own four feet. Let him wander around for several hours under supervision. Play with him and encourage him to relax. Next, put him away in his room and let your "old" cat out. Your existing cat may walk around the house, sniffing, hissing or growling as he can now certainly smell that "intruder" in all parts of HIS house. That is OK. Let him walk around and act grumpy. Just ignore him or try to get him to play with you to help relax him.
Repeat the switch game daily until BOTH cats are acting normal and are relaxed.
STEP FIVE: Limited Contact
After successful completion of step four, start this next step by putting your new cat back into his safe room. This process will allow the cats to see each other but not make physical contact.
Stack two 36" high-tension gates (baby gates) in the newcomer’s doorway, but with about two inches left at the very bottom. (Enough to get a paw under but not a head.) Gates are available at pet stores, children’s specialty stores or department stores. Or trying borrowing some from your friends.
If you have reason to believe that either cat will get over the gates then use two hard plastic doorstops. Jam the door of the room with the stops one on each side with the door cracked open only two to three inches. Make sure that neither cat can fit his head through the opening. Check that the door is secured and will not suddenly pop open or slam shut if a cat body slams against the door aggressively. They should be able to whack each other with their paws and investigate without full body contact. Again, encourage the cats to play through the door by using a cat aerobics toy put through the opening.
Continue the feeding ritual from step four above but with each cat still on their respective side of the baby gates or jammed door. When you are not home or can not supervise at least peripherally, close the door. Hissing, growling, posturing should be virtually at nil before you continue on to step six.
STEP SIX: Let them meet casually
After the successful completion of ALL the steps above, you are in great shape to now just let the cats casually find each other in the household.
Start first by heavily exercising EACH cat separately, especially if one animal is young and very playful. If one animal wants to play so badly that he harasses the other cat, they can become enemies quite quickly.
Next, get each cat’s food dish ready with something really good, like some bits of tuna or a tablespoon of wet food. Just before feeding time, leave the new cat’s door open or take down the stacked baby gates. Let the cats casually find each other and then feed them a meal, so they are eating about one foot away from each other.
Next, go ahead and get out a cat toy and play with the cats together. The whole process of step six is designed to associate something really pleasant with having this other cat around.
Some cats may hide; there may be some initial hissing or growling. That is OK. Let them work it out as long as no one is launching a full out physical attack on the other. Keep trying to feed them close together as well as play their favorite games with them.
Final Comments
Do not let one cat become a bully.
If one cat always seems to be the aggressor, supervise any cat interaction. Be ready with a squirt bottle set on a straight stream to break up any cat fights. Just make sure it is harassment and not play! Do not leave the cats together unsupervised if you are having this bully problem. Put the bully into confinement when you can not watch them.
Try to exercise the aggressor more heavily before they are allowed to interact.
This often takes off the "edge" and makes the aggressor more agreeable. The disagreeable one can also wear a harness dragging a six-foot leash under supervision. The harness is so you can quickly remove him from the situation. Again try to associate something positive with having the other cat around, like special treats or play.
IMPORTANT:
If you have not carefully followed the guidelines above, go back to the beginning and start over. Be warned that the introduction may take up to three times as long on the second go around as you have to go back and try to repair that "bad first impression." To introduce any new animal into your household takes a lot of time and patience. It can go smoothly if you take your time and follow the steps above. But don’t expect things to be perfect overnight or try to rush things as you may end up with archenemies instead of best friends! We wish you purrfect luck!
These guidelines are from the Humane Society of Santa Clara Valley
Try switching the food and see what happens. Process of
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In the process of tearing up our old carpet
carpet to reveal hardwood floors and plan to sand ourselves - a huge project I am told - but sweat equity. You put down beautiful vinyl tile squares on our old linoleum which was over hardwood - I wish we had remodeled the kitchen ourselves - we got taken big time - so do yourself if you can. Congrats lady and best of luck!!
I use checks, but have streamlined the process - sm
by filling out everything but the amount (date, signature, phone number) on the check, & entering all info. into my check register except the amount, before even leaving for the store. Check is torn out, and in my wallet where I can just pull it out, write in the total, hand it to the cashier, and take off as soon as she gives me the receipt.
Nowadays their computer/cash machine setup takes only seconds to verify the check. I usually wait to fill in the amount in the check register until I get home.
It's weird, but often I find it takes longer to pay with money than it does with a check. (Especially if I have a bunch of change and I'm trying to pay with the exact amount.) That seems to freak people out in line even more than using a check.
Also, nowadays the checker ends up doing the bagging, too (seems the stores have cut WAY back on hiring baggers.) So as he or she finishes each bag, I put it in the cart from where I'm standing, so he or she doesn't have to walk around the counter to do it. And I grab things like milk jugs, big 12-pack soft-drink cartons, cat litter, and other big things that don't really need a bag.
Anyway, I find doing just those few things seems to get me through the line pretty fast.
Payment process was restructured.
x
I am having it done via lap assisted vaginal way, using a new process called
Robotix. If all goes well, supposed to be a day surgery, first thing in the morning and if I feel up to it, I may be able to come home same day in the afternoon, which is what I am hoping for.
My understanding from my attorney is that during the divorce process,
from the time I file until the time it is final, the judge can issue an order forcing him to leave until it is final and a decision is made about splitting the property.
He takes lithium for his bipolar disorder, but yesterday when he was released from jail, he went to the ER because he was apparently vomiting profusely and was found to have lithium toxicity. So now he's not taking his lithium and I'm sure he will use this as an excuse to not take it anymore.
There are times I would love to stop the growing process
but I look at that as denying my children the incredible happiesses I have experienced, such as college, marriage, children, etc. and that makes it a bit easier.
you can give the people the facts, but the decision making process should be left to the people
This is what our country is founded on FREEDOM OF CHOICE! I'm laughing already; you are just as mortal as the rest of us, and don' even attempt to that you've never done anything in your lifetime that was unsafe or unhealthy. NOT gonna buy it.
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