recommend the newbie MT join AAMT online chapter and suck the SM

• mentor for newbie - SJ
  • recommend the newbie MT join AAMT online chapter and suck the SM - Margaret

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have been an MT for almost four years but have not joined as of yet.  Would like to hear pros and cons.  TIA.

I did a Chapter 13 right before the new laws came into effect and though I could have qualifed for a Chapter 7 I feel better about myself paying something back to everyone.  A few things to look out for about credit counseling as I tried this prior to the bankruptcy.  This was due to an ugly divorce and my ex had a rich Mommy who paid his attorney bills and cost me 14K plus but I was able to keep the house.  (yes he had the new life and the girlfriend, I had the bills).   Anyway, credit counseling was going to cost between $75 to $300 for them to manage my money and pay my bills.  I did the lower one for a while but some of my creditors would NOT work with them.  Also remember if a credit card company decides to give you a discount if you pay the balance, the amount that they write off has to be declared as income.  Say you owe $7,000 to a company and they say if you pay us $5,000 -- then $2K of that is consider income to YOU at tax time.  I pay the courts $300 a month and for 36 months.  It was not easy but like I said I have my home, my business and have found that you can live without credit, save for a car or large purchase and save.   So to me that was the answer.  I can still hold me head up as they are getting something.   So talk to a good attorney and he will advise you.  The good thing about this is that you can't live off your credit cards and it does get you back to  budget and cash that hopefully after doing for 3 years you will just continue with it.  I was told once by a banker that the bankruptcy looks better on your credit report that late payments or credit counseling but who knows for sure.   Nowadays you might have to pay a few perentage points higher for a loan but you can get it if you want it. 

Take care good luck. 

I've checked the archives on this, and have received a lot of helpful information, but I'm interested in learning more.  How hard is it to qualify for this?  I'm sure I would qualify, but I would like things to start happening now...not 6 months down the road.  Are lawyer fees owed up front?  Who do I talk to about this? 

A little history...I worked full time for a local ortho office, and decided to work part time from home.  I had 2 small children, but my husband is home most evenings, so working a few hours a day wasn't a big deal.  Well, we unexpectedly got pregnant about a year ago, and we now have added expenses with the new baby, as well as the fact that I don't have as much free time to type.  I'm trying to sell our car right now, but so far there are no bites (it's an SUV, and with gas prices people aren't wanting to buy them anymore).  Anyway, I talked with a credit counseling agent a few weeks ago, and have made my first payment.  However, I am getting calls from creditors saying that I have payments overdue, and when I told them that we are going through a credit counseling agency, they said that they denied the proposal, and I have to make the payment. 

I'm at my wit's end, and literally don't know what to do.  We own a small (1100 sq. ft) 3 bedroom ranch, and would really like to keep it if possible.  I can't work full time with 3 kids, because all my money would just go to childcare. 

Any advice would really help me at this point!  Thanks!

The reason that I went Chapter 13 was because I was told that you could not include taxes in a Chapter 7 unless they were 7 to 10 years old.  Was told that child support, education loans and taxes were very hard to include (if not impossible) in a bankruptcy.  I had no trouble with them when I did my Chapter 13 but I only owed for one year, filed in February and owed for the year previously.  You need to get out your BK papers and see if the IRS was listed and included, talk with your attorney that is what you paid him for and go from there.  Good luck. 

Patti

...and you don't have to sign up for a makeup "club," or anything. I totally agree with you that this makeup is great for all the basic purposes (coverage, lasting), but their slogan is "Makeup so healthy you can sleep in it." There is a delay in time between when you can apply your powder after moisturizer, but it is really worth it.

To go with your powder I recommend the "pump brush" offered at some of the cosmetic online stores. You fill the handle with your powder mixture (I mix two different powders, changing it up or down according to how much sun I've been getting) and the pump brush will distribute some to the bristles, tap and have at it! This is great for carrying it with you to minimize the loss into the lining of your handbag!

I cannot recommend Bare Minerals enough. I used to be a MAC convert, and have tried everything from Chanel to Maybelline--this product does not disappoint.

If you'll also add a branch for cell-phone drivers ... SHHH*T (...In Traffic). 

I have found that if I get up in the morning and go to Curves on a regular basis after I send my kids off to school, I have the chance to interact with people, get some exercise, and even make some good girlfriends because you are all there at the same time every day or every other day.  You feel good by the time you get home, take a shower and sit down to work.  I've also found church to be a huge outlet as well as getting involved with community events (i.e. volunteering) to be very rewarding.  You have to make your life, it does not come to you.  Hang in there, this is a great job to have, don't give it up for that reason, you can really make the isolation a non-issue.  Best Wishes

There's an old saying which says "If You Can't Beat Them Join Them"  I dunn think any of us can stop outsourcing and I dunnt feel there is any point crying over loss of income. So I have followed this ("If You Can't Beat Them Join Them") and I did't lose a dime as the companies outsourced big time. I have myself started taking 100% more work than before and am outsourcing them to individuals in India (the quality generally is good) who does the transcribing (obviously I get the work done at a much lower rate than what I myself get paid). By doing so my hourly rate works out even higher than anno's

I'm sorry if I'm laughing about your relative but with 3 different religions in 2 sisters and my mom, I totally understand. 

The last time my BIL came to a family get together (he is a quasi-minister), he was talking about how we were all going to hell because we have never spoken in tongues.  My mom couldn't help it and a big gawk came out of her mouth.  All eyes were on her as she is not known to hold her tongue.  She looked him straight in the eye and said, "well, you know, what if you're wrong and I when I die I get to heaven and I'm having a good time, then you die and go to heaven....will you be just as excited on that day to see me as you are today?  I bet you'll be wishing you had gone to hell instead at the thought of spending eternity with ME!"

Food and beverages spewed over the entire table.

Each of my sister's sons  told me I was going to hell because #1 I wore shorts, #2 I cut my hair and #3 I wore makeup.  I sweetly told each of them I'd be the hottest looking chick in hell if that were the case   Now, I'm the "cool" aunt they all love to come to visit.  Lighten up and enjoy a little bit of witty banter!

things are charged, billed, or anything any more.

It just seems like they wanted me to work for nothing to clean up ASR reports.  It was pitiful what they wanted, considering what they needed me to clean up.  I could have typed it faster and better using my word expanders.

The Desperate Housewives are always great, they get my vote.