• How to raise credit score?

    I ve never had a credit car or anything before but of course I know i need one so I applied for a credit card and they denied me but said they would tell me later in 10 days. So i applied to another one and they told me I was denied because i have too many inquiries. So if i can t get a credit card how can I build... show more
    I ve never had a credit car or anything before but of course I know i need one so I applied for a credit card and they denied me but said they would tell me later in 10 days. So i applied to another one and they told me I was denied because i have too many inquiries. So if i can t get a credit card how can I build my credit. And i am TRULY naive to this entire thing I really don t understand how someone looking at your credit hurts you and why apparently looking at my own does??? It just seems very stupid but I realize i am the one who just does not get it. Please help thanks
    8 answers · Credit · 11 hours ago
  • Should I buy a RV or rent a furnished apartment?

    I'm a 25 year old young woman, and I'm going to be inheriting some inheritance soon. And I was planning on buying some land. But in the meantime my parents have been fighting a lot, and I'm trying to finish my college credits for my two year degree. And I feel like it's time for me to move out. I... show more
    I'm a 25 year old young woman, and I'm going to be inheriting some inheritance soon. And I was planning on buying some land. But in the meantime my parents have been fighting a lot, and I'm trying to finish my college credits for my two year degree. And I feel like it's time for me to move out. I didn't feel like I could do it before now, or it was the right time either. But I think I could make it work this time. Because also when I did want to move when was between the ages of 19-21 they didn't want to be co-signers for me. But since I'm getting this inheritance I think I can make it happen for myself this time. So my options that I came up with for next semester would be to rent a furnished apartment for around $900-$1200 a month. Or I could buy a RV which I could easily buy, and then if I ever want to sell it I could easily get back more than apartments deposit amount back. Also since I don't have a credit card currently, I don't have a credit score at all so even getting a furnished apartment if they need a credit card, might be a bit harder to find one that would accept me. What do you guys think I should do? Any advice? Thanks.
    10 answers · Renting & Real Estate · 2 days ago
  • How to make it impossible for a credit card company to lower your $20,000 credit line to $500?

    Best answer: The only time I have had a limit lowered was with a card I had not used in years.


    I have little to no concern that any of my cards would do that to me. Particularly the ones I use regularly.

    Its just not good business.

    Besides, 99% of the time, $500 would be plenty for me.
    Best answer: The only time I have had a limit lowered was with a card I had not used in years.


    I have little to no concern that any of my cards would do that to me. Particularly the ones I use regularly.

    Its just not good business.

    Besides, 99% of the time, $500 would be plenty for me.
    9 answers · Credit · 3 days ago
  • How do you sell a house if you still have not paid off your mortgage to your bank?

    I am only a sophomore in high school but I’m intrested in the real estate business and can’t comprehend this. Lets say you are interested in a 400k house, but only have 185k for down payment, and you go to your bank to receive a loan to pay off the remaining 215k, and your a couple years into paying your mortgage.... show more
    I am only a sophomore in high school but I’m intrested in the real estate business and can’t comprehend this. Lets say you are interested in a 400k house, but only have 185k for down payment, and you go to your bank to receive a loan to pay off the remaining 215k, and your a couple years into paying your mortgage. If you decide you don’t want to live on that house anymore, but haven’t finished paying off the mortgage, how do you finish paying off the loan?
    22 answers · Renting & Real Estate · 1 day ago
  • Is having a savings worth it?

    Best answer: Your BF isn't very mature financially. Having some form of savings is important to having stability in your financial life. It can be for emergencies, unexpected expenses, loss of job, having children, buying a home, paying cash for a car, vacations, or simply for retirement. As much as anything else, a form of... show more
    Best answer: Your BF isn't very mature financially. Having some form of savings is important to having stability in your financial life. It can be for emergencies, unexpected expenses, loss of job, having children, buying a home, paying cash for a car, vacations, or simply for retirement. As much as anything else, a form of savings brings peace of mind.

    Depending on credit is a big risk -- and is expensive. What if he loses his job and can't pay his bills? His credit is damaged or ruined and he can't depend on it anymore. Then, having cash is necessary. Where is that cash coming from if not from a savings account? He can't borrow his way out of debt.

    If you plan to marry this guy, his financial irresponsibility will stay with him. You can't change him. It'll become a major point of friction in your marriage.
    19 answers · Personal Finance · 2 days ago
  • Can i apply for loan on top of mortgage?

    I am in the process of applying for a mortgage and want a loan for home improvements. I would ideally want it built into the mortgage so i am making one payment instead of 2 (one for the mortgage and one for the loan). In more detail The house is £45000 I have deposit of £10000 Which means i am borrowing £35000 I... show more
    I am in the process of applying for a mortgage and want a loan for home improvements. I would ideally want it built into the mortgage so i am making one payment instead of 2 (one for the mortgage and one for the loan). In more detail The house is £45000 I have deposit of £10000 Which means i am borrowing £35000 I would like a loan of £15000 which will mean i want a total of £50000 Is this something i can do
    13 answers · Renting & Real Estate · 2 days ago
  • How can I cut my roommates power?

    So she’s a ***** and refuses to pay me her utilities. I changed the internet password and she’s flipping her ****. But she always leaves all the power on. So how can I shut the power off on her when we’re gone?
    So she’s a ***** and refuses to pay me her utilities. I changed the internet password and she’s flipping her ****. But she always leaves all the power on. So how can I shut the power off on her when we’re gone?
    12 answers · Renting & Real Estate · 11 hours ago
  • Could I go for a skin cancer screening and, if I have skin cancer, then get medical insurance or would they deny me?

    Best answer: No. If you go for the screening and they find skin cancers, that is pre-existing condition. You pay out of pocket for any treatments.
    Best answer: No. If you go for the screening and they find skin cancers, that is pre-existing condition. You pay out of pocket for any treatments.
    11 answers · Insurance · 11 hours ago
  • Pros and Cons of selling my body?

    I'm a 22 year old female and I'm lazy. I'm thinking of selling my body through escorting.
    I'm a 22 year old female and I'm lazy. I'm thinking of selling my body through escorting.
    45 answers · Other - Careers & Employment · 3 days ago
  • I was living in an apartment with three friends that died in a car accident. The landlord refused to let me out of the lease?

    I tried to negotiate with him, but he wouldn't do anything to help. He got a judgement against me that I still can't afford and evicted me. My parents told me to quit my job and focus on school. They now pay my rent directly for a studio apartment that a friend of theirs owns, so I have no income at... show more
    I tried to negotiate with him, but he wouldn't do anything to help. He got a judgement against me that I still can't afford and evicted me. My parents told me to quit my job and focus on school. They now pay my rent directly for a studio apartment that a friend of theirs owns, so I have no income at all. That was 3 years ago. Now the former landlord has passed away and the lawyer is demanding I pay immediately to settle the estate. My parents refuse to pay him because he was such a jerk in the situation. I've also been accepted to a grad program that will be an additional 3 years beginning this august before I start working. Will the estate continue to try to collect more than 3 years from now or will they likely drop it because it is just over $4k and probably not worth continuing to pursue for several more years?
    20 answers · Renting & Real Estate · 16 hours ago
  • Why is my mom an a**hole? I refuse to pay her rent?

    My mom is pestering me to move out but I can’t afford it right now. She always asks me for rent. I refuse to pay her rent because I can’t afford it. Plus I’m trying to save to move out. I also have a toddler that I have to take care of. What can I do?
    My mom is pestering me to move out but I can’t afford it right now. She always asks me for rent. I refuse to pay her rent because I can’t afford it. Plus I’m trying to save to move out. I also have a toddler that I have to take care of. What can I do?
    14 answers · Renting & Real Estate · 10 hours ago
  • Should I deal with house?

    My mom passed away two years ago and I now live in her house. I had a mentally ill brother with me until he went to a nursing home a year ago. I have a brother that lives 5 hours away in an apartment and he always tells me to keep the house and I can't get it back. I saw my cousin and she will say what do you... show more
    My mom passed away two years ago and I now live in her house. I had a mentally ill brother with me until he went to a nursing home a year ago. I have a brother that lives 5 hours away in an apartment and he always tells me to keep the house and I can't get it back. I saw my cousin and she will say what do you think of the house? She doesn't tell me to sell it but I feel she leaning that way. I maintain the house well by myself. The house is in my name and the will of mom was only for me. I don't feel my cousin should have a say about the house. Should I just keep house and isn't it all my decision?
    17 answers · Renting & Real Estate · 17 hours ago
  • Wouldn't a retired nurse choose the very best medigap plan through experience?

    Best answer: What does nursing have to do with Health Insurance? Just because she is a good nurse doesn't mean she appropriately comprehends the financial risks of going uninsured. I assume at least 20% of requests on sites like GoFundMe are fraudulent anyway...maybe she does have coverage and is just trying to raise... show more
    Best answer: What does nursing have to do with Health Insurance? Just because she is a good nurse doesn't mean she appropriately comprehends the financial risks of going uninsured.

    I assume at least 20% of requests on sites like GoFundMe are fraudulent anyway...maybe she does have coverage and is just trying to raise some extra cash.
    10 answers · Insurance · 1 day ago
  • I worked for an alarm company in 2017 as an employee installing residential & commercial alarms. They haven’t given me work in about a year.?

    I get paid by the install. Is it legal? I’m still in their system as an employee, so they haven’t fired me.
    I get paid by the install. Is it legal? I’m still in their system as an employee, so they haven’t fired me.
    5 answers · Other - Careers & Employment · 10 hours ago
  • Is there anything wrong with being quiet at work ?

    As most people I know , go to work don’t talk to anyone and just do there job . Is there anything wrong with that , I feel it’s the best way to avoid problems , to avoid anything . Silence means you just don’t want the headaches ...another reason is being I feel certain people whom I work with are fake to my face... show more
    As most people I know , go to work don’t talk to anyone and just do there job . Is there anything wrong with that , I feel it’s the best way to avoid problems , to avoid anything . Silence means you just don’t want the headaches ...another reason is being I feel certain people whom I work with are fake to my face so that’s honestly another reason , but then there is no win win on either side because they assume I might be upset with them . When I’m honestly not . Everything feels awkward because I don’t talk to my boss either it all started with him because I never spoke to him so even feeling that he may say things about me to my co/workers and them putting in there input makes me very uncomfortable me and my boss we have some unresolved misunderstandings that I feel maybe can never be cleared up , he acts like there is something wrong , I feel he too is fake to me and I just can’t stand that . I come there to do my job but from what I’ve seen he is not like that to anyone else maybe he assumes I don’t like him , there could be a number of reasons what he thinks I think of him but I don’t like that makes he me feel even more uncomfortable. He’s told me he likes how I work he said many times I’m a hard worker ..when I’m eating he gets up and leaves right away . When he asks me to do something for him I really never mind doing it but it’s behind the cover how he really is towards me .
    5 answers · Other - Careers & Employment · 13 hours ago
  • How do I deal with a nosy co-worker?

    Best answer: I have the solution for you. First, you need to be a bit more strong with this Fallopian Tube. Just tell him, that there are other hobbies than paying too much attention to fellow workers. Tell him to use his golden touch and look after his own work load while the rest of us are looking out for ours. Be strong... show more
    Best answer: I have the solution for you. First, you need to be a bit more strong with this Fallopian Tube. Just tell him, that there are other hobbies than paying too much attention to fellow workers. Tell him to use his golden touch and look after his own work load while the rest of us are looking out for ours. Be strong or he will climb all over you and that will lead to an intense battle someday.
    7 answers · Other - Careers & Employment · 2 days ago
  • Can I do this?

    Best answer: This is from an advice article I wrote for people in credit card debt over their heads: "If you can afford to make a single large payment you can settle for 25-40% of the debt. Contact them and ask them how much they will settle for. Make them a counter offer of around 1/3 of that or 1/4 of your debt. Tell... show more
    Best answer: This is from an advice article I wrote for people in credit card debt over their heads:
    "If you can afford to make a single large payment you can settle for 25-40% of the debt. Contact them and ask them how much they will settle for. Make them a counter offer of around 1/3 of that or 1/4 of your debt. Tell them You want it marked it “paid in full” rather than settled or partially paid. Once you come to an agreement request a letter stating they will report your account paid in full when you pay the agreed amount. The letter should include the settlement amount, due date, and a clear statement of what and when they report to the credit bureau. Don’t make the payment until you have this agreement in hand. Keep a copy of the agreement."
    7 answers · Credit · 3 days ago