• Will a late payment on credit card hurt my credit score?

    Ive had my credit card for a year and I’ve never missed a payment. I’m trying to build my credit by paying my credit card, phone bill, car note and car insurance. This past month I missed my credit card payment which was my first time missing any of my bills. My minimum payment due was always $25 in which i always... show more
    Ive had my credit card for a year and I’ve never missed a payment. I’m trying to build my credit by paying my credit card, phone bill, car note and car insurance. This past month I missed my credit card payment which was my first time missing any of my bills. My minimum payment due was always $25 in which i always paid more, then it was $35 past due and now my minimum payment due was $81 I just paid it. Will this hurt my credit? thanks
    29 answers · Credit · 3 days ago
  • Any Lawyers out there, with any insight on Home Insurance?

    My mother had a brain hemorrhage, she was left mentally incapacitated, she is long term care due to both her mental and physical incapacitate, during this time her home was vandalized and squatters moved in, they destroyed her home, I was unable to have the squatters removed for 7 months due to the legal system,... show more
    My mother had a brain hemorrhage, she was left mentally incapacitated, she is long term care due to both her mental and physical incapacitate, during this time her home was vandalized and squatters moved in, they destroyed her home, I was unable to have the squatters removed for 7 months due to the legal system, the judge eventually had them removed. When I was able to enter my mother home, it was destroyed. It took me a year to repair and get it in livable condition, I spent close to 90K in the year to fix, I have gone into debt tohave the home repaired. My mother never mentioned that she had home insurance coverage that would cover the vandalism. My mother never told me that she had insurance, it wasn't until I did some discovery based on a friends recommendation that I should look to see if the insurance will cover the costs of repair that the vandals had caused. I was denied from the insurance company, the reason was that my mother did not file the claim within 60 days of the incident. My question is, if my mother is mentally incapacitated is she responsible to file the claim within 60 days? Should she have been denied due to her mental incapacity? The insurance policy is between the company and my mother, but I filed the claim as soon as I found out that she had insurance, again she didn't tell me that she had insurance. Do you think that my mothers disability/mental incapacity tolls the 60 day deadline that the insurance company provided?
    5 answers · Insurance · 1 day ago
  • My 91 year old stepmother is inheriting our whole family estate.?

    My 91 year old stepmother of 10 years is going to inherent my father s small estate 950k when he dies but she already has 1.2 million and a large house. We are 5 siblings at retirement age and 2 of us are struggling to pay off the mortgage and have very little super. Would it be wrong to ask her if she minds if we... show more
    My 91 year old stepmother of 10 years is going to inherent my father s small estate 950k when he dies but she already has 1.2 million and a large house. We are 5 siblings at retirement age and 2 of us are struggling to pay off the mortgage and have very little super. Would it be wrong to ask her if she minds if we ask dad to leave our family estate to us because of our bad financial circumstances.
    13 answers · Renting & Real Estate · 16 hours ago
  • My parents took out a mortgage loan for my husband and I.?

    It is for 80,000 condo. They are obviously not going to live there. The condo is going to be under their name. We are paying the down payment and monthly mortgage. Are there any legal consequences?
    It is for 80,000 condo. They are obviously not going to live there. The condo is going to be under their name. We are paying the down payment and monthly mortgage. Are there any legal consequences?
    15 answers · Renting & Real Estate · 1 day ago
  • Child's father will not move out of my apartment.?

    My child's father refuses to move out of my family's house. He is on a month to month lease. We are broken up but he says he cannot afford to move to other places. I have sent him some affordable apartment listings but he is not budging. My mom, although she owns the house, is scared about kicking him... show more
    My child's father refuses to move out of my family's house. He is on a month to month lease. We are broken up but he says he cannot afford to move to other places. I have sent him some affordable apartment listings but he is not budging. My mom, although she owns the house, is scared about kicking him out since a child is involved. Please share thoughts and advice, thanks!
    12 answers · Renting & Real Estate · 20 hours ago
  • Do black home owners and renters feel comfortable living in a predominantly white neighborhood?

    In areas of the United states where one percent or less of the population is Black or African-American. Are they generally welcomed and respected . Or have there been reports of incidences?
    In areas of the United states where one percent or less of the population is Black or African-American. Are they generally welcomed and respected . Or have there been reports of incidences?
    9 answers · Renting & Real Estate · 2 days ago
  • Can the landlord kick me out of the apartment?

    I live with my mother who is battling breast cancer. It is just me and mother and she put me on the lease. I m just worried about the future. I don t make enough money to get a new apartment and my salary doesn t live up to the requirements of $1400 a month. I feel I can pay up $1400 a month but will have to make... show more
    I live with my mother who is battling breast cancer. It is just me and mother and she put me on the lease. I m just worried about the future. I don t make enough money to get a new apartment and my salary doesn t live up to the requirements of $1400 a month. I feel I can pay up $1400 a month but will have to make sacrifices. If there is an event that I lose my mom, Can the landlord kick me out of the apartment once the lease ends? Will they check my paystubs and force me out? Please help. Thanks.
    17 answers · Renting & Real Estate · 2 days ago
  • Can my wife take out a personal loan to gift me as a down payment on a house?

    I am taking out a loan in just my name because my wife won t qualify. Trying to get down payment together and I am curious if since she isn t on the laon if she can take out a personal loan to gift me as down payment.
    I am taking out a loan in just my name because my wife won t qualify. Trying to get down payment together and I am curious if since she isn t on the laon if she can take out a personal loan to gift me as down payment.
    11 answers · Credit · 1 day ago
  • A customer made me cry today?

    9 answers · Food Service · 23 hours ago
  • How do I quit my waitress job after just two weeks?

    Hey y all I m 15 and I just started my first waitress job about two weeks ago and I hate it, I haven t been myself since I ve started, when I come home from work I lock myself in my room and just cry ive been extremely stressed and anxious all the time about work even if I don t work that day or work until later. I... show more
    Hey y all I m 15 and I just started my first waitress job about two weeks ago and I hate it, I haven t been myself since I ve started, when I come home from work I lock myself in my room and just cry ive been extremely stressed and anxious all the time about work even if I don t work that day or work until later. I ve been diagnosed with GAD since last year and I am tired of this constant work anxiety. My managers are nice and most of the co-workers are friendly except this one older woman who stresses me out to the max and it s eating me alive, I ve been told multiple times to just wait and I ll soon get adjusted to the job but I don t know if feeling constantly depressed and sad and anxious is even worth it. Should I give a two weeks notice or just quit on the spot? thanks!
    26 answers · Food Service · 4 days ago
  • POLLS: Would you inherit money from a deceased family member if you didn't like them?

    our grandfather died recently but everyone in my family hated him because he was rude and said horrible things about his childrena nd grandchildren that is why we put him in a Nursing home and never vissited him now he died he has lots of money from pension and savings but my cousin is so disgusted of him he... show more
    our grandfather died recently but everyone in my family hated him because he was rude and said horrible things about his childrena nd grandchildren that is why we put him in a Nursing home and never vissited him now he died he has lots of money from pension and savings but my cousin is so disgusted of him he would make sexual comments about her when he was still alive and she refuses to take that money because he does not want to spend that money on behalf of him I know money is money but stll
    8 answers · Personal Finance · 4 hours ago
  • How to give back money to someone?

    I recently had to do work experience for a week (everyone in my school had to). It's not something that is usually paid and it's generally accepted that they are doing something for you by organising work experience rather than you helping them. At the end of this week, my "employer" gave me an... show more
    I recently had to do work experience for a week (everyone in my school had to). It's not something that is usually paid and it's generally accepted that they are doing something for you by organising work experience rather than you helping them. At the end of this week, my "employer" gave me an envelope with some money in as a way of saying thank you for helping out. I kind of said you shouldn't have and you didn't need to and that sort of thing but he said that I'd done work for him and I'd done it well so he'd pay me like he would anyone else. After this i accepted thinking it would probably just be 10 or 15 pounds and a little card. I didnt realise until i got home that he gave me £100. I want to return it as i don't feel like i can accept it but i don't know how/what to say. I was going to send him a card saying thank you and with an explanation and the money in. Any advice? Do you think this would be rude?
    12 answers · Other - Careers & Employment · 2 days ago
  • Landlord/people in office won’t give me deposit back from apartment?

    I’ve been moved out for about 3 months now. And still haven’t gotten back my deposit. I was emailing the old landlord and she said after damages I should get about $800 back. After constantly trying to get in contact. I find out the old landlord/lady that worked in the office for let go. The new lady said she... show more
    I’ve been moved out for about 3 months now. And still haven’t gotten back my deposit. I was emailing the old landlord and she said after damages I should get about $800 back. After constantly trying to get in contact. I find out the old landlord/lady that worked in the office for let go. The new lady said she didn’t submit the proper info in time. That was 2 months ago. So now here we are. Still no deposit. I keep getting the run a round. What do I do?
    13 answers · Renting & Real Estate · 2 days ago
  • Am I wrong for thinking that my parents are fiscally irresponsible?

    My parents struggle with money. They rely on state benefits such as food stamps to keep food on the table. I think they struggle with money due to their awful spending habits. I may sound cold hearted and insensitive, but here’s some examples. They spent 10,000 dollars on exotic birds. (Enough money to pay rent for... show more
    My parents struggle with money. They rely on state benefits such as food stamps to keep food on the table. I think they struggle with money due to their awful spending habits. I may sound cold hearted and insensitive, but here’s some examples. They spent 10,000 dollars on exotic birds. (Enough money to pay rent for almost a year). They have a car payment, and it costs them 300 dollars a month to feed the birds. Meanwhile in my case, they get mad because I have 6,000 in my savings account (which is for my car) cash under my bed, and a paycheck in my checking account. But it’s because I don’t spend my money unless I have to. Am I wrong for thinking their struggles are their own fault?
    10 answers · Personal Finance · 1 day ago