Homeless has nothing to do with poor credit.
Posted By: You're comparing apples to apes. on 2007-05-22
In Reply to: Hmm...And Homeless People Deserve What They Got? - Amanda
nm
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Assuming- everyone's credit is poor?
Where in the world do you get that idea from? Quit assuming because when you do you are usually wrong- case in point. My credit is excellent and has been for years and years.
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
I got: this: I ran over a homeless guy in my car,
because that's the way I roll! Wow!
I think some homeless end up that way becuase of their own bad
w
well, if a drunken homeless guy happens by
then i have someone to help rake leaves or shovel snow. otherwise, 99.9% of the time, it's all me. however, with my little one now being 8 years old, he is of some help. i always threaten him i'll find us a husband if he doesn't help out more -- he says we don't need a husband.
i do everything. yard raking and mowing, roof repair/shingling, plumbing, auto mechanic, fencing, cleaning, windows, schlepping, you name it. overwhelmed looking at all of the huge yard work. whoa is me, no one to help. now i'm even more sad. i do pay for a pedicure, though. think i'll go get one now.
Hmm...And Homeless People Deserve What They Got?
What a crock. She just asked for some advice. 
Homeless Children in America
America's Youngest Outcasts & Campaign to End Child Homelessness
Over 1.5 million American children are homeless each year. The National Center on Family Homelessness is launching a Campaign to End Child Homelessness to galvanize the public and political will to end this national crisis. Our goal is to ensure that not one child in the United States will be homeless for even one day.
Great report only as how they break down the information, and that there is someone out there looking a this. How is your state doing?
Hiring Those Homeless Guys
Xanax, do you really do that? I've always been tempted to take one of those guys off the corner, the ones holding up the sign about how they'll work for food, and see if they really mean it. But then I get scared and decide I'd rather NOT be the headline in tomorrow's newspaper.
I so didn't understand this show...people homeless
and plasma TVs - people who are homeless need HOMES.....not expensive electronics.......I so didn't understand this show.....I saw the guy say *I lost everything, my home and absolutely everything* and then Robin/Phil give him a plasma TV....sheesh...........
help our homeless fur friends, with one click, in this time of giving
http://www.theanimalrescuesite.com/clickToGive/home.faces?siteId=3
Poor you!
Right now I'm trying to transcribe for ESLs who dictate that way, and add whole sentences in prelude to something that actually means something. Stop with all the filler guys!
Oh, poor guy. sm
Sorry I referred to him as female before. (I've had too much coffee today - I seem to have energy, but no focus.) It is stressful to try to watch them all the time and to be worrying about them all the time. I sure hope he'll be okay.
I actually meant to give you this website in my other post (like I said, no focus!) It seems to cover pretty much everything about canine epilepsy, and I really like the advice way down near the bottom "Living With An Epileptic Pet." http://www.canine-epilepsy.net/basics/basics_main.html
I think there are e-mail lists for people with epileptic pets too, which are probably very supportive and helpful.
I wish you both well. Please let us know how he's doing. 
poor pup!
x
Poor cat
I'd rather have Scooter Libby living in my neighborhood than these 2 girls or you, all 3 who apparently cannot see where the problem lies.
Oh no! Poor you! :-(
When I lost a filling NOTHING took the pain away and I loaded up on as much Tylenol as was safe. The best thing I found was liquid Anbesol, the strongest strength they make, soaked on a piece of cotton gauze...the kind with like a webbing around it, put right over the tooth. I also remember staying plastered pretty much the whole time with whiskey high balls.
I hope you feel better soon! Nothing worse than dental pain, in my opinion. 
credit
My girlfriend did use the service. It worked great for them. It also put all their payments in one. The only thing is you need to watch what "items" you put under the service because it will keep you from purchasing items for so many years.
credit
I have used Consumer's Credit Counseling Services locally. They were wonderful to me. Put me on a generous budget, put all my bills under one payment (had to cut up all credit cards - which was a blessing and freedom after I got used to it), cut the credit card interests way-way-down or to none, and finally got everything paid. At first there was no charge from them, but later I paid $5 a visit, but I imagine they have surely put a low charge now. They were pretty strict with me (which I needed), but it worked. They were always accessible to talk with, which I really liked too. Also it was nice to refer callers to them, saying, "I am a client of CCCS and they are helping me" and not have to deal with the callers any more. In fact, after they were notified of intent to pay by CCCS they never called again.
Good luck. It meant freedom to me.
credit
I did hear that credit counseling is reported to the credit bureaus, but so are late payments, over-limits, missed payments, etc., etc. so ultimately I don't imagine it could ding your credit score any worse.
credit
I don't know the answer to that. We have only bought cars and a house on credit since then. Be sure to talk to the credit counselor before signing up and find out. They will know.
Poor Puppy--sm
Wow. I feel so bad for the puppy (I call all doggies puppies no matter what size or age they are). I did not realize that pets could get or have SLE. I wish you the best for finding something to control symptoms. give puppy a pet for me too.
Poor baby!
I hope you can figure out what's going on with her.
Thank you for caring for that poor dog. sm
She must have been neglected for a long time.
With her coughing up mucus, she probably has pneumonia and needs antibiotics. She also needs dental work.
You might want to feed her some ground beef and rice. You should boil the beef, not fry it (no seasonings)and add it to cooked rice that has no seasonings. This is what my vet prescribed when one of my dogs was sick. It should be easy for her to eat this. But please get her to a vet ASAP.
She probably has some kind of allergy that is causing her to chew herself. Or she might be doing that because her teeth hurt her.
Poor fella...
I would have said, "Honey, I have a 15 minute break at 8, let me "talk" with you then." Throw the poor guy a bone! lol
Poor thing...
Try the packaged oatmeal bath specifically for itchy rashes. I did this with my little one, who is now 18, and it really seemed to help with the itching. You should be able to find it at the pharmacy or ask your pharmacist. Maybe even a little Benadryl will help her rest and keep her from itching as well.
Wishing her a speedy recovery and prayers!
Poor animals!
A ''crate'' is just a nice term for a cage. How sad to cage a dog or cat.
Poor thing is very odd looking...
an excellent singer though!
Poor kid.... I felt bad for him
I agree that he surely didn't measure up vocally to the others. He seems like a nice kid, though, and even most adults couldn't take being talked about the way he has been. I really felt for him up there. I hope he has a lot of fun when they're on tour. I think he's going to be getting the biggest reaction from the crowds.
Oh, poor hubby. Now he has to do all the
driving of kids, cooking, laundry, vacuuming, etc. until your ankle heals. 'Cause you know, you're supposed to elevate your foot so it can heal.
No need to get mad - just apologize to him when you have to ask him to do all that stuff, LOL.
He'll never do that again.
:oD
House poor
I would not buy this home, and I'm not sure the bank would allow you to buy it anyway at your current incomes. Banks used to use the 28/36 formula (no more than 28% of income for house payment and 36% total for car loans, credit cards, etc.). Nowadays, they've relaxed those guidelines which could explain the skyrocketing foreclosure rate right now. As someone else posted below, babies and children in general cost lots of money, even for their most basic needs. I would try to find a smaller, older home instead.
You poor dear. I know exactly what you are saying.
I have 4 children with my husband. I don't even like leaving them at home with him. It's not that he is abusive but I just feel like I should be there in case he starts his antics with them. They are pretty tough though. Even at their early ages they have him figured out and sometimes I think they cope with him better than I do. They have this wonderful ability to mentally block him out that I wish I had sometimes. They just act like he isn't even in the room. I guess God takes care of them b/c they are the innocent victims.
Ha! I might suggest that to the poor
folks who still work there. This woman would probably put them on KP duty, though.
;op
Poor Thorne
He is just looking for love and now he is getting played by Donna (who in my opinion looks like a tramp and is acting like one). I do agree that the look on Stephanie's face will be priceless...and then she will lunge at Donna and try to kill her....good times, good times!
Oh your poor daughter!
I know exactly the humiliation she is feeling and can totally relate. What that 'teacher' said and did is just wrong. I can only hope she didn't mentally scar your daughter for the rest of her life.
I got my first period when I was in junior high...was wearing a white skirt to boot. I heard giggling and normal noise of all us students transferring to and from class but had no idea people were laughing at ME. Finally, halfway through the day, an older girl who I had no idea who she was, pulled me into the bathroom and said that I may want to go to the nurse's office because there was blood all over the back of my skirt. I actually took off my skirt, washed it in the TOILET WATER, and hid there the rest of the day until the final bus left and walked home, probably at least 5 miles, completely destroyed.
For such a 'normal' body function that no one should be surprised about, why on earth did no one bother to tell me about it, rather humiliate me like that? ...and yes, it messed me up for life.
That adult needs to have her naked behind paddled in public in front of all her peers to even come close to feeling the humiliation your daughter just felt. Go right to the top and defend your poor daughter.
Aw - Poor Lil Ole You - Jealous, huh? (nm)
x
Poor things! sm
You must be heartbroken. How sad! You did the best you could.
Oh goodness! Your poor mom!
Sort of have a similar story but my MIL was the one calling about my DH. She took DH to the ER for a severe attack of Crohn's; I stayed home with the kids.
I am dead asleep and MIL calls at 11:30 p.m. and says "we almost lost him." I asked what she was talking about and couldn't figure out what was going on. She tells me she thought he wasn't breathing, starts lecturing me about how I should have called her sooner to take him, that none of the triage staff would help my DH and she called 911 from the ER waiting room. I was far too disoriented to drive there as I had taken a sleeping pill. I felt pretty helpless.
She phoned me again at 6:30 a.m. She apologized for calling like she did.
He did indeed have a severe Crohn's flare up but his BP was fine as well as all his vitals. She insisted that the triage nurse falsified his vitals. Next time I'll call an ambulance for him instead of her.
I hope your dad is okay today. Saying a prayer for you and your family (if that is okay).
I know...poor kitties! (nm)
x
Aw, you poor thing!
My dad was once with my mom and their grandchild, and I guess mom was pushing my niece on a swing and dad sat down on a bench. Well it was a warm day, and naturally he fell asleep. Next thing he knows, park security is asking him to move along, like he's a vagrant. Or maybe his snoring was scaring the kids - I donno. :op
Awwww poor little guy!
His eyes seem to be saying, "Why are you humiliating me like this?"
You poor thing!...
You are just stressed out!! I can't say that I have been in the child support and visitation situation. But I do hope things get better for you. Not to say I don't have stress just not the same you have. I have stress with having work to do on the computer and having to do everything around the house. My hubbie drives a truck and isn't here and has a kennel of beagles and plus I have household chores. My pit bull impregnated my beagle who is at the vet as we speak getting an abortion and being spayed so we don't have to worry about this. I have a son who is 10 who if you don't sit down and make him do his homework he doesn't do it. It just seems there is so much to be done and I am the only one to do it. Laundry, cleaning house, cooking, helping with homework, feeding dogs. Don't forget the MT work pilig up you have to have done by in the morning. It gets stressful. Hang in there!
Oh my! Poor you and your daughter!
The first hint that the other mom was improper was saying you were not "a good Christian." That in itself is verbal abuse and shows where her daughter gets it. Proves to you that your daughter is truly being bullied. Great you talked to the teacher. Tough you can't be there with your daughter to make sure she is safe. When someone bullies my 7 and 8 year old kids, I tell them to first say "stop." Then if the person continues to turn and walk away. This is what I learned in abuse counseling. This goes for any situation young, old and in between. On the phone same thing. Say stop and then if they don't say, "I am hanging up now." to give them the heads up. It sounds like you and your daughter have good hearts and unfortunately bullies can smell that out. Happened to me my whole life, and every day I have to remind myself the rules of true friendship versus a wolf in sheep's clothing. I will send happy thoughts your way. And please, don't ever accept this "you are not a Christian," stuff. I am a Pastor's wife who rarely goes to church where he preaches anymore because of hearing that type of thing and I am trying to tell the ladies to "stop." Well they do not, so a lot of members leave. That's another story about bullies. Different forms and different disguises, same MO.
Good luck to you!
Oh those poor little critters!!! LOL nm
x
That's a poor article.
That article is written by a self-proclaimed expert writing on a conspiracy-theory website. It's mostly made-up nonsense.
If you want information, find something better.
Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year. Basically, from what I understand with the new bankruptcy law this was attached to it. The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance. There were these little inserts with your statements that many of us just throw away and never think about it. But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card. Sad but true.
NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
Our credit was very shakey (sm)
when we bought our house 6 years ago and we have now (both husband and I) been ICs in this biz for 11 years. As an IC you are supposed to work for different companies according to the IRS so you could really jam yourself up if you got a letter like that from your current company. Personally - I would refuse and find another mortgage company. I had a very young and inexperienced mortgage person when we refinanced our house through a credit union - it was literally a nightmare - I don't have the time anymore! If you have good credit move on and find someone who appreciates your business
ruined credit????
Went to work for a company about five years ago. The pay was EXCELLENT, however, they paid me "when they got around to it." Now my credit is so terrible I can hardly qualify for a home loan!!! Has anyone else experienced this problem???? Still suffering after having quit four years ago!!!!!
Sorry to say, but you have proven yourself a bad credit
x
Not the only way, my credit just restored on its own
after years of not having as posted below, went and had a clean slate just as if no credit at all in my life, went from bankruptcy to nothing bad about me, nothing! I did learn how to be responsible after that time though, now have excellent credit rating.
Credit for your daughter
As DW stated, federal loans are given to students - have her go to financial aid office/web site of school and see what she needs to do to apply for them.
Does your daughter have a credit card? Yeah, I know, scary thought, but the sooner they can establish good credit, the better off you all are. My son has a card for college students from Citi Bank. He's had it since senior year of high school and I tell him to use it for EVERYTHING. Gas, pizza, books at school, etc. He keeps track (amazingly) and pays the card off every month so he never gets charged interest. His bill is usually for under $50.
He's been having problems with his cell phone, it's already been fixed once, yet the same problem keeps happening. The contract for the phone was up last week which means he could get a new phone for next to nothing provided he renew for another two years. I told him I'd buy him he new phone for a Christmas present. I've been paying his cell bill of $45/month for years. He wanted text messaging added to his plan. I told him I will only pay the $45, he can pay the difference if he wants to text his friends because NWIHAIPFI so he can ask his BFF what time they can meet for lunch when he could just call the dude and leave a message if he isn't there! Well, a two-year commitment with the phone company would bring us to 6 months AFTER he graduates from college and he could be in Madagascar by then for all I know with the cell bill still coming to me. I asked the cell phone company if the contract can go in my son's name. They told me no, because his credit rating as a student wouldn't qualify him. I asked them to check anyway. They did, the woman was shocked, he was approved, and now he has a new contract with text messaging for $10 more and the bill goes to him! I'll deposit $45 in his checking acct every month and he can write the check.
This is partial payback for the night I had to spend in a battleship with 400+ other Cub Scouts and their fathers when my son was little. Hot dogs and beans was the dinner. Need I say more? Bunks stacked 5 high with me on the top bunk and hot air rises. He will owe me for that for many years to come.
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