Pregnancy question please help me!!! 10 pts to best answer.?

Dec 242011
 

So im trying to figure out how much a week trip away would cost around January time with a 3 month old. Thinking about driving my own car or possibly renting a car. Go somewhere where its hot (since thats why im leaving in January, im dreading winter this year). I want to go to the coast. Also need some ideas where i should go. I live in Minnesota and farthest down i have been is Kansas and Colorado and to the east i been to New York City. Now its time to go somewhere else. SO if someone would be so kind to let me know how much i would need for the trip its self, the cost for me, and the cost for baby and how much extra i would want. I know this might be a confusing question but i wanna start saving up now so i will have that opportunity to do this!!!

Thanks for your help.

or would it be better to fly?? Having a 3 month old baby by then its hard to know. Im 19 and this is my first child and so i dont really know how much things will cost but tell me how much and ill make it happen with all my bills paid off and everything!!!

thanks!!

How can I obtain a large mortgage for an apartment building with little money down?

Dec 032011
 

I may have an opportunity coming up to purchase a decent-sized apartment building in New York City. The only problem is the price: around $ 2 million, which I do not have, and my salary is nowhere near enough to get approved for such a loan on my income alone. However, I do have about $ 120k to put down, and the rent I will receive from tenants will be enough to cover the monthly mortgage payments. What do I have to do to get funding to buy this building?

What should I look out before taking a Mortgage Loan Officer job?

Dec 022011
 

I’m license in Florida and looking for a serious opportunity. I’m really concern about training and support; also if any one knows about the 100 % commision? Will this work for somebody with just a little expirience?

Credit Card Debt Consolidation and Debt Relief Programs Offer Historic Opportunity to Consumers

Dec 162010
 

Credit Card Debt Consolidation and Debt Relief Programs Offer Historic Opportunity to Consumers
With Creditors More Willing to Negotiate and Play Ball Today, Consumers Have Unprecedented Opportunities to Lower Credit Card Debt

How to find if consolidation will ease debt burden
Managing personal debt is not always easy. But in certain instances, a debt-consolidation plan might help out. Here are a few websites that provide insights on controlling debt and debt consolidation:

NCO GW Success!

Dec 062010
 

I really appreciate reading success stories of other forum members and how everyone here is so willing to share info regarding the road to rebuilding credit.

 

I wanted to quickly share a small success story of my own.  On 11/30/10 I emailed a GW letter to NCO regarding a paid collection for $111 from SBC.  I haven’t had SBC service since about 2004 and thought I was paid in full when I switched to Vonage.  Unfortunately, apparently I wasn’t.  Sometime in 2009, before learning about PFD on myfico.com, I paid the collection.

 

After learning about GW letters here in the community, I’ve started sending GWs for a couple paid accounts.  Yesterday I received a letter from NCO that reads:

 

Dear Poet34:

 

Thank you for your inquiry regarding the above-referenced account.  Please be advised that the above-referenced account is closed in our office as settled.

 

In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to delete our listing of the above-referenced account from your credit profile for the social security number we have listed in our records.  Please be advised that NCO Financial Systems, Inc. cannot effect a change to how any other company may have listed the above account on your credit profile.

 

We appreciate the opportunity to respond to your inquiry.

 

Very truly yours,

 

Legal Compliance Department

 

 

I am actually very impressed to receive such a fast response and immediate action from NCO, especially when this was the very first GW that I sent them.

 

I sent another GW letter for 2 30 day lates at HSBC and a dispute letter to a CA.  I will give these another week or so to respond and then I will pull scores again and update regarding any changes in my scores.

 

I found the contact person’s name through this forum and would be happy to share it via PM with anyone that would like it.

 

Thanks again to all contributing forum members.

 

Happy Holidays!

 

 

Vemma Business Opportunity Review – Is it A Scam?

Nov 292010
 

 

This Vemma Business Opportunity Review was submitted by David Derry on Business Opportunity Reviews.

 

Vemma is Vitamins, Essential Minerals, Mangosteen, and Aloe, a liquid nutritional supplement intended for daily use. Vemma, on the verge of its 6th anniversary, has grown its product formulation into several highly successful and complementary products: Verve, Verve Energy Shot, Vemma Next (formulated for children 2-12 years of age) and Vemma Thirst for athletes, an advanced electrolyte, carbohydrate and amino acid blend combined with the standard Vemma blend of full spectrum vitamins, plant-sourced minerals, antioxidant-rich mangosteen and aloe. The company is just about to release a new product, Vemma PM.

I have used Vemma and Verve for over a year and enjoy the flavor and the nutritional support that it provides to me. The liquid formula eliminates the need for any hard to swallow and digest pills. I also enjoy being able to recommend a healthy product to others for their own personal use, whether or not they want to pursue the business opportunity.

You can become a distributor if you choose or simply enjoy the product on your own. Compensation is a 2-legged downline with sign up bonuses, volume-based commissions and then profit sharing at the higher levels. You do need a personal autoship order for yourself and personal referrals to get your commissions started but then you’ll benefit from all the sales below you.

Use the product daily for its nutritional benefits. No need to buy inventory on the business side – it’s all packaged fresh and sent from the factory when people sign up and order from your company provided website. You may want to have extra to share when recruiting but that’s up to you. It’s just so easy to point them to your website where there is a big Shop Now button that let’s them easily try out the product for themselves.

This is a product that you can hold and taste and enjoy and share. It’s a real home business from a company that you’ll like working with.

 

For more user reviews, ratings, and testimonials of the best business opportunities, please visit Business Opportunity Reviews.

 

Find More Business Opportunities Articles

What is the best Strategy and how much should I expect my score to go up?

Sep 162010
 

It was only 7 months ago that I had a 712  FICO score even though I had $70k in credit card debt and $65K in student loans.  I never missed any payments even though I was maxxed out.  By May of 2010, my payments and interest rates had gone up and I was having trouble.  I worked with Citibank (my largest creditor at $40k)  to close my account and give me a ZERO percent interest rate for 1 year in order to lower my payments and allow me to pay on my other accounts more aggressively.  However, I didn’t consolidate or do any sort of long term debt solution as I didn’t want to completely destroy my credit.

 

This strategy has been working.  However, it dropped my credit to 630.  It looks like I will have the opportunity to pay off about $30K in credit card debt in 1 payment before the end of the year.  I am wondering if I should apply that towards Citibank or pay off my other cards which are still active and open.   What would you do?  I need my score to go up the most it can.  Please help.

Related Blogs

NCO Financial Systems, Inc., collections letter received…advice?

Aug 232010
 

I received a letter from NCO Financial Systems, Inc. offering me the opportunity to settle a debt in the amount of $1066.78 for 25% of that amount if paid within 45 days. 

 

On the reverse of the letter it identifies the orgiinal creditor as PP&L Electric Utilities and identifies an apartment address I vacated more than 18 years ago.  (It also identifies Inovision as a creditor; I guess NCO purchased this alleged debt from them.)

 

I don’t believe I owe any amount to PP&L, and in the intervening 18 years, there has never been a collection attempt from PP&L.  In fact, I lived in PA again from 2002 to 2009 and PP&L provided my electricity.

 

In the past 18 years, there has been no derogatory information reported on any of my credit reports from any of these entities.

 

This letter is dated August 18, 2010, and I don’t believe this is currently being reported to any of the credit bureaus because within the last 10 days, I have applied and been approved for both an auto loan (at a very attractive rate) and a Gold AMEX card.

 

Should I ignore this? request debt validation?

 

Please advise.

Related Blogs

  • Related Blogs on NCO Financial Systems, Inc., collections letter received…advice?

I know this has probably been asnwered….

Aug 032010
 

I know this has probably been answered but I can’t really find what I’m look for on the boards, so here goes….

 

I had a Sears cc that I defaulted on.  If Sears was reporting it, it must have fallen off before I started working on my credit.  When I did start working on my credit, LVNV was reporting it, with substantial interest tacked on (amount due $1,045.44).  Before I had the opportunity to work on this particular TL, it fell off – in June, as a matter of fact.  I honestly don’t know if I ever received a dunning notice from LVNV at any time – there was a time when I wasn’t opening my mail.

 

Today, I received a dunning notice from Northland Group who claims to be collecting for LVNV as the Current Creditor and Citibank/Sears as the previous creditor.  AND they are offereing a settlement of $282.30 with a statement “upon receipt and clearance of funds, your account will be satisfied and closed and a settlement letter will be issued.”

 

I just ran my reports on Friday and Northland is not yet reporting and I’d like to keep it that way.  If I pay the settlement, can Northland still report?  I have the money to pay the settlement amount but not PIF PFD.

 

How do I handle this?  Do I PFD with the settlement amount?  How can LVNV be listed as a creditor? 

 

Any advise is greatly appreciated. 

Related Blogs

  • Related Blogs on I know this has probably been asnwered….
 Older Entries