You show proof of past income if you need to (sm)
Posted By: hvlmt on 2007-04-10
In Reply to: But I understand where they are coming from - Janice
and that should be enough - especially if you have excellent credit. I actually had a mortgage person tell me that self-employed people are basically stuck and can never make more money - needless to say I moved on to another company.
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Please correct my catch a shoe to catch a show - didn't proof first
x
Again, where is your proof that someone is being...
told to do anything?
What proof do you have? I believe in God, but not
NM
Pretty sure he's done that too - no proof (sm)
He admitted it once but then took it back immediately and denied it from then on. So are you still with your husband?
Please share your proof
of life after death with us. I am very interested and quite sure everyone else will be also.
personal proof? does it have something to do
did ya see a ghost or just have one too many drinks??
still I have no real proof of what he has done (sm)
I can't prove he cheated when he wasn't with that guy and I can't prove he opened the cards without my knowledge.
He can look at my debt and see it as a fact.
Nah, don't need proof, was just curious what you learned.
Nah, don't want proof, was just curious.
Ok so I didn't proof my message
You all get the point. We always alternating....hee hee
It's been a long week and it's only Wednesday!!
how to baby proof a house
First off, I am not being sarcastic....
Follow her around, fix everything, she touches and when she leaves the house will be baby proofed! :)
My 2-year-old son and I visited "great grandma" who had her pills by her TV all laid out. When no one was looking he ate them and we did not find out until she wanted to know where they were. He took one and a bite out of another, so we knew it was him. We were in the ER the rest of the afternoon. Luckily, it was just a mega dose of Lasix, so he just peed like a race horse for 24 hours. Those diapers weighed about 4 pounds a piece. She never did put the medicine away, and we had to train ourselves to watch him better at her house.
I am sure you have done an excellent job of getting ready. Have fun with your company!
Makes me sick. They do have proof of abuse. PLUS
NM
Proof positive that time-outs are nothing but
Maybe, but you are living proof that in today's world, -sm
you just never know. 'Once bitten, twice shy', and all that.
The scenario you describe may have been legit, but to me it sounds just TOOOOOO risky! Especially when there are more than one of them.
In these hard times, there are more robberies, muggings, carjackings, etc. than ever. Always be aware of your surroundings. Follow your gut instincts if you think something is not right as you walk to your car, and go back inside the store to ask for an escort. When you get in your car, don't dilly-dally - close the door and LOCK all your doors before you even put the key in the ignition.
They were old enough to know that women shouldn't give rides to strangers - period. They could have approached a man and asked him, or better yet, asked for bus fare money.
Women are best off only giving rides to people they know.
by the way "band" was husband" sorry, so upset over this I did not proof read.
nm
disgusting shows are proof of lack of intelligence of producers.
nm
As long as you have an income
As long as you have an income you file. Over 70 is for social security where you can earn as much as you want and still collect your full SS. Boy is that was true all of the rich would be lying about their ages so that they did not have to pay taxes.
Too much house for you on your income...
especially with a new baby and all that requires...take into consideration if you have car payments, credit card payments, student loans, plus utilities, etc. Talk to a mortgage lender, what is your mortgage rate going to be, how much can you put down on the house, see what the lender says. Don't get in over your head...some people want it all right away, instant gratification. Take your time. Good luck
probably since any income is taxable
income for the year it is received. That is why you get a statement of earnings for it.
It is possible to increase your income
Pay off the house! Congratulations!:-)
Is it possible to increase you income temporarily to put towards the cc debt? Can your dh work side jobs or a second job?
After you pay off the house, I would start pay off the cc from the smallest balance first.
200
2K
4K
10K
I would not withdraw from retirement but stop paying it right now. After you pay off the house, put all your money into paying off the cc debt.
For the 4K and 10K I would write them a letter and try to get a lower APR.
If your income has been cut in half (sm)
I have to ask - what are you spending the money on? Rent is the first thing you should pay, then food, and then transportation. If you are worried about paying credit cards first, or some other debt, you are cutting your own throat.
I would advise you to do some looking at Dave Ramsey. He has several excellent books, available usually from the local library.
Also, as for the husband, sit down with him and talk to him - I don't know if you have done this or not, but his playing the video games may be a way for him to escape. If he has always been responsible in the past, then his irresponsibility now is probably a defense mechanism.
You both need to step back and take the emotion out of it. If you are not able to do that, the situation is not going to improve. You both have to show commitment to making the relationship work, even on so little money.
If you have a pastor or some sort of mentor/advisor, that might be a good place to start, once you have talked to your husband. A neutral party who can look at the situation from all sides can help.
Good luck, from someone in similar shoes.
HC
if we get to their 75,000 annual income qualification
then they can qualify us for that. 
How do you manage at income tax time?
Do you file separate returns?
Would you also want your income taxed at the 40% rate?
At one time England did that. The friends we had in Cananda said they were taxed to death on their income, but they were pretty pleased with their healthcare. There is no easy solution.
That puts me in the low income bracket. . . SM
Wonder why I don't quality for any help if that is the case. I have no medical insurance and was just at the ER and it cost me $1800 (so far as lab work not returned yet) to wait for 5 1/2 hours altogether and get a port and three meds administered with a CT scan of head. They charged me $396.00 for the attending on duty to talk to me 15 seconds after the resident saw me. A nurse told me in the ER that they would trim some of the cost for me, but when I called the hospital they said I did not quality. A working person falls between the cracks. Makes me angry they could not help me at all.
If he's elderly and low income, he needs to check sm
with senior services to see if he qualifies for some type of medical assistance aid.
Amen! We are just at a six-figure income..
but you would never know it by our lifestyle. We don't need to impress anyone or put ourselves in debt for material things that depreciate the minute you walk out of store with it or drive it off the lot. Americans need to SAVE money, a concept that has been long lost through the generations.
PS! One more - check to see if you qualify for low-income
It depends on your income range sm
I just got my taxes back and I had IC and employee income on there totally $38K. I worried. End result? $298 more to pay in, a VERY far cry from the $8K I paid in each of the last 2 years as an IC. (I have no expenses to speak of, no mortgage or rent, which really hurts as an IC.)
While on the phone with the tax accountant, I asked if withholding had changed. He said yes for most segments of the so-called middle class. He said that while I lived well and had the biggest ever year as an MT, my income is considered the low end of the middle class, so I get a break. I have noticed about a $100 INCREASE in my paychecks from lower withholding.
This is going to depend on your income range to some extent and also how you have your W-4 set. Mine is single with no exemptions, the highest amount you can have withheld automatically (unless you ask for an additional amount).
The projected tax burden for lower income Americans has decreased and so some of us will see a difference. I have, but it was to my benefit.
I missed the show but yesterday on her show
a couple of brothers came in and gave money to the family. Sorry I don't have more info, but like you, I do love the show. The brothers tried to give some of the credit to Oprah but she wouldn't take it. She really wanted the brothers to get all the credit.
Stated Income Home Loan
I am a self-employed IC and have purchased 4 homes in 4 different states as a single person. I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2. No tax info was used, needed or requested. I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info. But as a single person you can obtain a home loan based on your credit and not your tax info. Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment. You will have a short-term payment for the downpayment and your 30 yr note on the home. I was also able to obtain very low interest rates based on my credit rating.
Good luck, I did have to provide extra documents when I purchased one home with my exhusband.
I also have to consider my income - not just whether I enjoy the job; that is my main concern. nm
x
Ideas to earn extra income
In addition to your regular career what do you or your family do to bring in a little extra cash? I started a garden this year and it is doing so well that I think I may try for the local farmer's market next year. Not looking to make a fortune but it would be great if it could pay for extra things like a day at the zoo or pizza and a movie.
eBay is great for extra income...
and also to get things on the cheap. I haven't done it in months so can't really you a monthly amount, but looking forward to getting back into. Good luck to you.
Sorry - for your sake I hope the reason was too much annual income. (nm)
that's nonsense! I make a six-figure income all my myself being an MT. Hubby has no need to wor
xx
Agreed to let hubby have all the refund on the income tax and drat!
See, it is like this. I told hubby to take his check book today because it costs quite a bit to get our taxes filed at H&R and I basically did not care about paying for it this time (between paydays really). I said if you will pay the charges to file, then they will have your check and anything we get back you can have and if we have to pay a really big amount, I will go and take that out of a bigger account in my name and I will pay, so it will be win, win situation for you. Drat! Can I take that back now? He has paid most all the income tax this year, as an independent I did not pay my fair share but yet, now he is getting close to 5,000. Can I renegiogate? Anyone else do this sort of crazy thing and then wish they could take it back? Darn, drat, dagnab it!!!!
Southern here, cracklins sold in lower income stores usually
I have been at roadside stands and never smelled them cooking nor saw them but mostly you see in stores like food depot. I know of no one who uses them. I am sure that various parts of the country have other foods that could turn a person's stomach. I remember a supposed pepperoni pizza I had 1 time in Buffalo and the tomatoes on it were whole like uncooked. Yuck for that. Everyone has a yuck I am sure.
Good advice. In this economy, lay low. Sounds like a PT job may be in order to increase income. (
dd
Make a list of budget/spending priorities for your self employment income
Dave Ramsey's book has a irregular income planning sheet. Basically you list your expenses with the cash flow sheet. With any steady income you allocate it. For irregular income, make a list from the cash flow sheet of what needs to be paid first. Keep a culmulative total.
Make your own income, hire a plumber. Total unnecessary. Men are useless in the family plan.
x
I never said anything about what I have done in my past
heavens, I had premarital sex, had several abortions, drank until in a drunken state, smoked like a house of fire, cursed, had lots of sexual partners in the past, rode a motorcycle without a helmet, ate fast food, indulged in Burger Kings especially, drove way over the speed limits, cheated on my first husband but...... that was in my past. I never said I was angel, never. I changed as I aged and hopefully gained some wisdom over the years. I obey most of the laws now although living in Atlanta I still speed. All the above things of the past. I am saying and will continue to say, rules are made by the people voted into office. If you don't like them, vote and change things. Oh, something else, after marrying this last husband I even stopped drinking Cokes. I did it because I wanted to, not because I had to. And answer to another post, they have stopped selling Cokes in a lot of the schools because the kids are becoming so obese and that is just another way for them to indulge in meaningless calories. All the things listed in my previous post stand as I told them. And by the way, chickee dee, never mentioned I did unsafe or unhealthy, just came to my senses and stopped a lot of stuff.
I have something in my past
That I haven't told my husband and I don't plan on it. No one but me and one other person knows about it and the other person is long gone. It was something medical, and no it wasn't an unwanted pregnancy or anything like that. There's no need for him to know since I didn't know my husband back then and it doesn't have any bearing on anything in our relationship now.
I think in the past...
it used to be that way, but not anymore. So many boys now are not circumcised, it's quite normal. As far as I know, it is not recommended by the American Academy of Pediatrics, so it is not a routine procedure in most hospitals and parents need to specifically ask for it. I have heard that some hospitals do not even perform it in-house. Also, are insurance companies even paying for this procedure anymore? I think many do not cover it.
What I have experienced in that past -
I agree with the other poster. That money is really *good faith money.* The buyer puts that money up in order to show you they want the house and for you to hold it for them until closing. You will not see any money of any kind until closing. If the deal falls through you can often collect that money or a portion of it. You really need to keep in close contact with your real estate agent. After all, they are getting paid mighty well to sell your home! :-)
I don't know how women in the past did that - sm
I mean for me it hurt like the dickens (unfortunately did "it" twice that fateful evening) and I couldn't walk without incredible pain for days afterwards. Who would want to deal with that on their honeymoon? Certain would kill the urge.... Now maybe that is not the norm, but I swear childbirth was easier.
Past retirement age.
NM
She's graduated past the age
where you should feel an obligation of any kind.
You are her godparent, so she is supposed to give you a gift, right? Is she?
Sharing your past
I have an 18 yo son and a 16 yo daughter and this subject comes up occasionally. So far we haven't had to worry about their drinking or drugging, and it may have something to do with how both our pasts have been part of our teachings, age-appropriate, of course. We both come from alcoholic families though were blessed never to become alcoholic ourselves, but we've shared some of our expeirences from the standpoint of how they made our lives more complicated. We strive for simplicity in our family, and they can see how immoral behavior almost always makes for a more complicated life. At 18 and 16 they both just tasted wine for the first time (other than church) this Christmas and none of their friends drink, or even smoke. They know their grandmother died of emphysema.
They also know that my life changed drastically when their oldest brother was born 37 years ago when I was 18, and also that both their father and I have struggled hard all our lives because of not going to college. For every "but you came out okay" there's the answer that it could have been so much easier to get here had we made different choices, and making the right choices is what it's all about, isn't it?
No...but just can't get past this one - still ROFL!
x
Way past childbearing age..
NM
Just how often has he abused you in the past.If you
x
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