Posts Tagged ‘amp’

Where can someone with bad credit get a small personal loan?

Friday, December 2nd, 2011

I am in need of 00 for a new washer/dryer & some other things around the house, but I have bad credit from a while ago due to a miscommunication from a lender. That issue has dropped off my credit report being from over 7 years ago, but my score is still pretty bad.

I don’t want a payday advance or one of those 90%+ places. I don’t want to go back into debt even more, but I would also like to use this loan as a way to improve my standing.

Thanks in advance!

What's more important… paying off my student loans faster, or contributing to my 401k now?

Tuesday, November 22nd, 2011

I graduated in May with 35,000 in student loans. I have full time job in my field of study and I’m making 33k a year. I’m fortunate enough to be living at home and only have about a 10 minute drive to work each day… so, my monthly expenses are MINIMAL.

my take home pay after taxes is about 00 a month, right now my plan is to contribute 40% to my student loans, 40% to my 401k, and 20% will go to my monthly expenses & whatever is left each month to my savings account.

My question is, does this sound like a good plan? My company only matches 50% up to 00 of my 401k contribution, but I know that if I contribute a lot now (while I’m single and living at home) it will grow a lot.
However, this plan will take me ~3.5-4 years to pay off my student loan debt… and if I nixed my 401k contributions I could pay off my loans in less than 2 years.

I don’t plan on moving out of my parents house for at least 3 years. (it really does not make sense for me to, i have it made right now haha!)

What do you all think about my student loan payoff/retirement "financial plan"?

What's more important… paying off my student loans faster, or contributing to my 401k now?

Tuesday, November 22nd, 2011

I graduated in May with 35,000 in student loans. I have full time job in my field of study and I’m making 33k a year. I’m fortunate enough to be living at home and only have about a 10 minute drive to work each day… so, my monthly expenses are MINIMAL.

my take home pay after taxes is about 00 a month, right now my plan is to contribute 40% to my student loans, 40% to my 401k, and 20% will go to my monthly expenses & whatever is left each month to my savings account.

My question is, does this sound like a good plan? My company only matches 50% up to 00 of my 401k contribution, but I know that if I contribute a lot now (while I’m single and living at home) it will grow a lot.
However, this plan will take me ~3.5-4 years to pay off my student loan debt… and if I nixed my 401k contributions I could pay off my loans in less than 2 years.

I don’t plan on moving out of my parents house for at least 3 years. (it really does not make sense for me to, i have it made right now haha!)

What do you all think about my student loan payoff/retirement "financial plan"?

Would you take a lone? I’m stressed, having a hard time making a clear decision.

Saturday, November 5th, 2011

I need to take a trip home to bring my son home to see my parents (0), my son needs dental work done ASAP (0) and I need to pay H&R Block for taxes done (0) and this all needs to be done very soon. I currently have about 0 to spend on these things with another 0 being paid back to me this week. So I have about 0 to pay for 30 worth of things.

Once my taxes are paid for and filed I’ll have about 00 back, when ever it is that the government will send it to me.

Should I take a loan out and pay it back bit by bit until I get my tax money back?

What should I do, ask for an increase from a small loan from CitiFinacial, do to a payday type thing, ask for a credit extension on my credit card? I checked and my bank won’t do a loan as small as I need and I don’t want to take out a huge loan, even if I’m not using it.

None of these things can really wait, my father is not well and I can get a good seat sale price to fly home but I have to by this week…
HA HA HA, see I am stressed, obviously that should say "would you take a loan?"
My parents can’t afford to share the cost of the trip, my father has been on permanent disability for a few years and my mother can only work part time to help take care of him.

Dental work IS top priority, but also, taxes done are from previous years and I have the government breathing down my neck to get it done….

I need to file for bankruptcy but can't afford a lawyer! Not ever one from a referral service. Any ideas?

Saturday, November 5th, 2011

I’m a single mom who is ready to take her life back! To help ends meet, I have taken out cash loans, payday loans, etc and now I’ve spiraled out of financial control. I’ve spoken with a counselor from CCCS who has recommended I file for bankruptcy. I make about 0 too much to get help from legal services & can’t afford to pay 00+ for a lawyer. Anyone have any ideas or how I can find a pro bono lawyer??

I need big time financial help!!?

Thursday, November 3rd, 2011

I have to start with telling you that I am Bipolar. In the yrs of ’05 & ’06 I was in a manic state twice & bounced many checks, spent my 00 VISA limit & my 0 SEARS limit. Then I didn’t pay on these, so with collection agencies after me, late fees & I took 2 payday loans out on top of it all (00 in total), I am almost 00 in debt.

I am no longer manic. I went to my bank & another one for a 00 loan so I can pay everyone off & of course they denied me due to my credit report

I am now on disability due to the Bipolar & unemployed. I have nothing! But I have to start paying my debts before I end up being sued or being called into court.

Can anyone give me advice on how I can obtain a single loan of 00 (not a cash advance or anything like that, they suck all your money and blood)? I worked out a monthly budget & a friend will help me stay with it. But where do I go to start this?

HELP PLEASE! Thank you!

Severe money woes?

Thursday, November 3rd, 2011

So, my boy & I have found ourselves in a LOT of trouble financially. His car was towed, which will cost almost 00 to release. I don’t get paid until next week, he just got paid and put most of his money toward the car bill. Meanwhile, things are not getting paid (bills, etc) and we cannot seem to get on top of things.

Is there any "quick fixes"? (not the payday loan advances) Is there anything that we can do? Obv he needs his car, and it costs /daily for it to sit in the lot.

HELP!
We have been responsible, but things have happened to overwhelm what we both make. Situations in life have made things difficult. I was just curious what other people have done. (it’s my boyfriend, not my son, btw…and we live together).

Could we get approved for a $150,000 home loan (FHA) with me having a term/temp job?

Wednesday, November 2nd, 2011

Could we get approved for a 0,000 home loan (FHA) with me having a term/temp job (2 to 4 years in the federal government, but only 2 guaranteed)?

We are FTHB’s currently under contract on a short sale for 0K (FHA) waiting for the third party approval. My husband has a permanent full time job making about .5K/yr, and I make .5K/yr. Both our credit over 620. Total debt about 0/mnth. We had red flags from a previous home loan we applied for that never went to underwriting that we are working on clearing up (few overdrafts on our previous bank statements, no history of savings, severely increasing house payment, pay day loan on bank statement, and income stability). Those red flags will be cleared up by the time we go to underwriting (no payday loans on the 2 statements given, no ODs, housing payment increase only 0 more than our rent compared to 0 previously, & a slight pattern of savings within 2 months time which will be a little more than the 3.5% required down payment (including 00 gift funds). The only thing I can’t change is my federal government 2 to 4 years temp job, of which only 2 years is guarenteed, but it is extendable an additional 2 years. Two years will end 10/2011. Do you think we can be approved?

fha home loan question?

Wednesday, November 2nd, 2011

i was approved for a fha home loan. the realtor said keep about 00.00 in the bank to be on the safe side & dont get any new loans but i only have 0.00 in the bank at this time. i was thinking about getting a payday loan for 0.00 for two weeks just to put in the bank if i do this will they see that loan or did she mean like a new car loan?…..thx
i will have the money for closing she said they will check my bank account soon to see if i have the money
the reason im short or cash rite now is becease she told me to pay off all my credit card debt so i paid it all off t once
the loan amount is only for .000 we had the house inspected already & the seller will pay the closing cost

I defaulted on a payday loan…I closed the account it was coming out of and they tried to take the funds the?

Monday, October 31st, 2011

to take another payment and therefore was sent back to them. I have not recieved a call until today at my work. I was harrased me the guy on the phone telling me if I did not pay today then he was going to send a deputy to my work to have me arrested. It all sounded crazy to me & honestly scared me. I finally gave in & gave him my cc info to pay 00 when I get paid…which is all my money. I got off the phone & my co-workers said I could not get arrested and should stop payment on the payment arrangment I made. I could not find any of the information on line of where he was calling from nor the company knox ventures. Any help work be great to hear. Did I do the right thing?
Now that I have stopped the payment they are going to call me back & harrass me. I don’t know what to tell them.

I def learned my lesson

If you will loan me $ 447 now I will gladly pay you back $ 1000 on the next tuesday 10 years from now?

Saturday, September 17th, 2011

isn’t Obama asking Congress for 447 Billion Dollars right now to be paid back ( so to speak ) as 1 Trillion Dollars by 10 years from now just like……..someone asking you for $ 447 now and promising to return a total of $ 1,000 to you by 10 years from now ?
What Now – the real problem is I do know how Obama’s scam works
Care to explain to me exactly where BHO will get the money he wants from & exactly where the cuts will come from to ‘ pay back ‘ this money ? ( crickets )

Just as I thought…………….
What Now – the real problem is I do know how Obama’s scam works
Care to explain to me exactly where BHO will get the money he wants from & exactly where the cuts will come from to ‘ pay back ‘ this money ? ( crickets )

Just as I thought…………….

1st mortgagor foreclosed & did not pay any to my 2nd mortgage, do I have to continue to pay the 2nd?

Thursday, September 1st, 2011

My 1st mortgagor foreclosed & did not pay any to my 2nd mortgage, do I have to continue to pay the 2nd? (State of Tx) Is the secondary mortgage now considered an unsecured loan? I don’t understand why I’m still obligated to pay the secondary if I don’t even own the home any more…. It’s 30k!

Anyone know the odds of ppl responding to a print ad?

Tuesday, August 30th, 2011

I am about to place an ad in the pennysaver & it will reach 106k households in one week. I paid for an 8 week deal. I’m curious to know the amount of calls I should expect to receive per every 106k ppl/households that will see it? (it is a home loan & refinancing ad)

I’m not sure if the "per every 1000 ppl to see your add 1 person will call you" theory is true or just a myth.

Thanks!

Is there anyone out there that can help me get back on my feet financially?

Monday, August 29th, 2011

I recently was scamed for 00.00 from some individuals in the UK. I didn’t use my better judgment & not realizing if you have to pay to get a loan, something is wrong. I need help & I need a loan to help me get caught up so I can file for divorce & to get my life going. I work 2 jobs & bake on the side as well.

How should i spend my return on debt?

Monday, August 29th, 2011

Lets say i have 00 to spend. I have 2 debts, 1 is a loan with 10% interest & balance of 10K. the other is a credit card with 28% interest & balance is 8K. Should i spend the 1K to one debt or split within both.



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