Wednesday, November 23, 2011

would you quit your job??? good advice please?

would you quit your job if you only had an 80dollar car insurance bill and a 50 dollar phone bill that i might get rid of if i quit since i barely use it and you lived at home and you were 18 going to college?? i would need gas money and maybe extra money for food or something once in a while…would you quit if you were me??
i get 8.50 an hour at a supermarket full of ignorant customers [kmart]

i hate working where i work at and i cant stand it anymore, i think im even gonna get fired since i only need one more infraction[you need 6 to get fired] i been working there for a year and 2 months..i can make some money over the weekend going with my dad..would you do this too???
i need some good advice please


Monday, October 24, 2011

Really need financial advice.. Please help.?

Hello, okay. I’m 24 years old and have a credit card debt of 15,000 that is taking over my life. I don’t have that because I’m a crazy shopper or careless with money.. I never buy myself anything or spend more than $10 on myself because I can’t handle the guilt. My parents had me put a medical bill on my credit card when I was 18 and because its Bank of America (crooks) and interest rates are crazy and I was in college, etc.. I still have it and its taking over my life. I can’t afford to have rent, make those payments, and still have enough money for life and my personal needs. I graduated from college but because our economy is so great, I can’t get a full time job and I can’t afford grad school yet.

I’ve tried talking to them and they won’t lower the interest rate (which is over 20%) even though i make all the payments on time and I always try to pay over the minimum payment ($500). I’ve tried to get a loan but I can’t get one for some reason.. and I my family can’t afford to help me at all cause they themselves are kinda screwed financially. I don’t have the option of living at home and I don’t know about any other ways of getting out of this.. I feel trapped and I’m really getting depressed about it because I can’t even enjoy myself without feeling horrible and I can’t even buy crap at the supermarket I want because i can’t afford to.

I’m a waitress right now and I make about 500 a week.. and its not covering all my bills. My bills include that credit card, my car, car insurance, medical bills, rent, electric/cable etc.. I’m excellent with money and great on a budget but moving out put me over the edge.

I’m hoping someone out there can think of something I haven’t. Thanks


No motivation (teen, highschool and work)?

Hi, I am almost 18 and I am in high school and I am working a 20 hour a week job.

This year my grades are going down and I have no motivation and I just escaped from an every other day attendance cycle (sort of). When I wake up in the morning I have become so tired that I forget to get dressed/ready for school, or my backpack, or pens and pencils. This is happening quite often. On days I stay home it is because I didn’t do my homework that was due that day and I do not want to get another zero on it.

When I stay home my mom usually calls me from work and its either I make the house spotless or I lose my car keys (sounds reasonable to me). I avoid going back to sleep because then I will not wake up until 3 those days.

I have the job to pay for my car insurance, gas money, snack/food money and school supplies. My mom would pay for this stuff, but I do not actually see her too often since she isn’t home too often.

Before I go to work, sometimes I will start to have slight panic attacks (not so bad anymore) because I am dreading it so much. I work as a cashier for a wholesale club. It’s in my opinion one of the better jobs somebody my age can get. The other cashiers are pretty friendly and I get along with them okay. Cashing people out for 4 hours straight though gets extremely boring which is what causes the panic before work. I work about 30 minutes away, so normally I come home from school, get changed, stop through a drive through and go to work. After work, I may stop through another drive through, or more likely get some snacks from a supermarket or something. When I get home all I want to do is listen to music and go to sleep which leads me to procrastinate and stay up until 11 and then not to my homework either.

I do not want to quit my job, because without it I would not have money for snacks, hobby stuff or school supplies. I want to keep my 20 hour weeks too so I can actually have a comfortable amount of money every week.

What I do not want, is to keep going down the road I am going. I want to snap out of this and get some motivation to do stuff again.

How can I get motivation? (Please, no friends, spiritual or hallmark advice either)


Thursday, September 29, 2011

Rate these from least to most serious?

Rate these from least to most serious?
Rate them from 1-15

1. Catching your spouse with a lover and killing them both.
2. Stealing money or supplies from your employer.
3. Robbing a supermarket.
4. Forcibly raping a stranger in a park.
5. Selling liquor to minors.
6. Shooting a burglar in your home.
7. Talking on your cellphone while driving.
8. Soliciting a prostitute.
9. Hitting your child.
10. Selling drugs on the street.
11. Manufacturing and selling cars you know to have dangerous defects.
12. Beating your wife/girlfriend.
13. Being drunk in public.
14. Driving without any car insurance.
15. Cheating on your income tax.


Tuesday, September 27, 2011

What will be the insurance adjuster say about this accident?

I was buying groceries at a supermarket and was about to leave. As I was backing up, another car from me backed up also. The damages are not major and are very minor. I’m assuming he told his insurance company that I backed up to him first. My insurance representative said that an adjuster is going to give me a call tomorrow. What do you think the outcome of this incident will be? Will the insurance company make him pay for his damages and I pay for mine? I’m not asking to predict the future but mainly based off of information. I guess that since we were both backing up and hit each other, we will both be at fault. What do you guys think?


Friday, September 23, 2011

Good idea to make supermarket with english titles and help translate pleasse!?

Hello deer one! I from Egypt!
A smaller supermarket to happen my is to build near the airport of egypt more offside near a many hotel build! It is many people from not egypt to happen to visit the supermarkt! they ask much what it is to mean in english (the product/the information)
Is it good Idea to make english signs for help the tourist which is to visit the supermarket? because american don’t know how to be good in egypt supermarket!)
Iam to plan to put to ones under here. (Please do correct when wrong !)

,,No load speaking!”
,,Shopping cart insurance for drive by damage not to pay by us!”
,,Deformed person toilet room”
,,Do not fill finger inside electicalitcity door. (It rips finger)”
,,Please avoid shopping cart stealing it is not nice for us to call the police for get it back you stealer”
,,Shemale toilet room not to happen. (Water under construction use male room).”
,,Watch the step on the survace wich is even”
,,Do not rock on purpose in order to not behave the boss the kick you in the supermarket”
,,Supermarkt open: Monday – Friday 8-20 time. Saturday 7-22 time.”
,,Everyday Monday Special! Higher Prices! Only at Monday please”
,,Do not overthrow the the bookplace”
,,No smoking. No cat, dog, animal. No danger. No drunken. < DON’T DO THESE IN OUR MARKET OR KICK OUT”
,,Come in Chinese friends! Rice to be good in Egypt”
,,When the service cleans the ground watch the fall. (fall slowly for not hurt you!)”
,,Drunken come in please go home”
,,No stealing. (WE DO SECURITY CAMERAING)”
,,Please don’t damage security will take you out”
,,Don’t be mistaken a rober. We call the police”
,,Boss not to be happen today. Please ask the round black woman at cash handle out. (She is another boss)”
,,If to speak the boss Plese It Knocks! To the door”
,,Fresh foot from tree and more today”
,,Apple and curved yellow fruit to be a nice price at the year”
,,Illegal parked car is fine to call the police. (It drive you car to other place and you to be the payer”
,,deadly influenced fish at the entrance handle out to you”
,,Don’t throw you staff at the ground. Clean up is not lovely to the service”
,,Go home come back have a nice day”
,,Don’t scare Khem at the entrance, he for service to you. (No treatment misshandling or rapement to him”
,,It is a nice day to be hot today! Please avoid shirtless”
,,Please wear shoes always”

You can tell which of the sign will be good idea to put? Because many tourist need help for good sign!
I have to be thankfully for the answer which to be deliverment of 10 points!


Thursday, September 8, 2011

Vehicle Insurance doesn't want to pay?

Several weeks ago I was driving through a parking lot and a lady backed into my car. She did not start backing out until I was almost even with her so she ended up hitting my back passenger door as I was driving by. In the city this happened in, the police will not come by and make a police report if it is on private property (which it was in a supermarket parking lot) and there were no witnesses so basically it has been my word against hers. I have had my car inspected by my insurance company & also hers. I do not want to pay my $500 deductible to get my car fixed all because this lady backed into me so I feel that her insurance should have to pay for it. I received a letter in the mail from her insurance co. saying that I was at-fault b/c of failure to yield right-of-way, improper lookout, and improper lane usage. I called them to find out why and they said this lady is telling them a different story. She is saying that she was already backed out completely and in the process of going forward when I tried to go around her. It just makes me so mad that she is lying! They said to fight it my insurance co. will have to file arbitration and IF they were to win then I would be reimbursed my $500 deduct. but I don’t have $500 to spend right now! Why can’t people just be honest?? Is there anything I can do in this situation??
Well whats bad is the lady that backed into me worked at the supermarket so I’m sure she has already looked into it but even if she hasn’t I’m not sure they would be willing to help me. I have insurance with Progressive but since the police wouldn’t come out for a police report, they act like there isn’t anything they can do it is just her word against mine. The only thing they told me may be possible is the whole arbitration thing and I’m not exactly sure what happens in that situation but from what they told me they take Allstate (the other insurance co. that the lady has) to court and a 3rd party decides who is at fault.