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I am applying for my first Studio, its a low income housing complex that has a very intense screening process. They pull your credit report and it has to be at 650 or higher (Im at like 653 w/ Experian- but I dont know what bureau they use that might make my score a little lower. A coworker has suggested turning in a friendly statement of facts along w/ a copy of my experian report explaining any points they may possibly view as negative. Please read the below and let me know if you think its too much? Its okay? Any advice much appreciated! ******************************************************** This is my personal statement regarding any possible negative points of my credit report in further detail. Possible Negative Point 1- Large amount of money owed in total: This is for one reason only and that is my student loan amount. I attend a private nursing school and have needed to take out a US Dept of Education loan on the tuition cost. I have been paying back interest that may be building up here and there, but the large amount of money I owe is due entirely to student loans. These are government funded loans and I am not scheduled to begin paying these back until 6 months after my graduation date. My auto loan remaing balance is under $1000, and per my credit report you can see that it will be paid off in full with 3 more months of regular payments. Possible Negative Point 2- Low Credit Limit on Revolving Credit Card, and amount owed closer to the total limit: I recently had a emergency large ticket item on my vehicle and had to turn to my credit card to help pay for the repair. Per my credit report you should see that I have only been over the limit once by error but have maintained this credit card in good standing and most often with very low balances since I received it when I turned 18 in 2006. Things I would like to be considered: I am 22 years old and am currently bulding my credit. I have never taken on a financial responsibility I wasn't able to handle and my credit report should reflect that as well. I had a $9,000 car loan that I obtained in May 2008 set to last for 4 years. Through timely payments and extra payments I will be done with this loan much ahead of schedule by the end of 2010. I have also attached a copy of my Experian Credit Report in full detail as I obtain those free with a monthly subscription in case your source of credit reports don't provide enough detail to support my facts above. I appreciate you taking time reviewing my statement. I would very much like to be approved for this apartment and therefore felt the need to point out the reasons for any possible negative point of my credit report in further detail. "My Name"

REVIEW EX CH6 Thanks for checking this for me 20. Linda took out a simple interest loan for $7,000 at 11% interest for 5 years. How much interest did she have to pay back? (Points: 1) 3850 21. Mark invested $1,340 in a simple interest account at 3.5% interest. How much interest did he earn after 4 years? (Points: 1) 187.6 22. Jamie borrowed $800 from his parents as a simple interest loan at 5% interest. If he pays his parents back in two years, how much interest will he owe them? (Points: 1) 80 23. Uncle Howard left his only niece 56% of his assets according to his will. If his assets totaled $564,000 when he died, how much did his niece inherit? (Points: 1) 315840 24. Celeste makes 6% commission on her sales. If her sales for a week total $4580, what is her commission? (Points: 1) 274.8 25. Peeler's Jewelry is offering a 30% off sale on all bracelets. How much will you save if you buy a $45.00 bracelet during the sale? (Points: 1) 13.50 26. Sales tax is 7% in Chester County. In Dobbs county the sales tax is 5.5%. How much could you save if you bought a $98 bicycle in Dobbs Coutny? (Points: 1) 1.47 27. How much would the $98 bicycle cost if it was on sale for 10% off in Dobbs County with the 5.5% sales tax? (Points: 1) 93.59 28. Mindy buys a $36 sweater on a 15% off sale. How much will she pay if the sales tax is 6%? (Points: 1) 32.76 29. Last week hundreds of people attended the opening of a movie. The theater which holds 900 was filled to 85% capacity. How many people attended the opening? (Points: 1) 765 30. How much would an employee pay for a $724.00 stereo if the employee got a 15% discount? (Points: 1) 615.40 31. Misha bought a CD for $14.95. If sales tax was 7%, how much did she pay total? (Points: 1) 62.5% 32. The Pep band made $640 during a fund-raiser. The band spent $400 of the money on new uniforms. What percent of the total did they spend on uniforms? (Points: 1) 281 33. McMartin's is offering a deal on fitness club memberships. You can pay $999 up front for a 3 year membership, or pay $200 down and $30 per month for 36 months. How much would you save by paying up front? (Points: 1) 281 34. Patton, Patton, and Clark, a law firm, won a malpractice law suit for $4,500,000. Sixty-eight percent went to the law firm. How much did the law firm make? (Points: 1) 3,060,000 35. Jeneanne earned $340.20 commission by selling $5670 worth of products. What percent commission did she earn? (Points: 1) 6% 36. Tara put $500 in a savings account that earned 3% simple interest. How much interest did she make after 5 years? (Points: 1) 75 37. Clay bought a pair of basketball shoes for $79.99 plus 5% sales tax. What was his total cost for the shoes? (Points: 1) 83.89 38. At Jefferson high school, the ratio of band members to non-band members is 2 to 5. What percent of the students are band members? (Points: 1) 60% 39. According to the advertisement, how much more would you pay to buy the car on credit? (Refer to book picture PAGE 78) (Points: 1) 13060 40. A department store is selling all swimsuits for 40% off in August. How much would you pay for a swimsuit that is normally priced at $35.80? (Points: 1) 21.48 41. High school students voted on where they would go on a field trip. For every 3 students who wanted to see Lincoln's boyhood home, 8 students wanted to go to the sand dunes. What percent of the students wanted to go to the sand dunes? (Points: 1) 27.27%

Hello, I'm currently 19 years old living with my parents in England and I'm near the end of college. My only financial support is my student loan/grant which gets me £2000 every 3 months or so (for grant) and pays my college fee of £1800 each year (loan, which I'll have to pay back when I'm working), I spent my first payment of this on some stuff which I could move to my future apartment and have considered saving the rest currently. So the only things I currently buy are clothes, food (having to cook for myself) and a bit of rent to support my parents. I don't currently nor have I ever had a real job due to the worry of not being capable of juggling both college and work (on some college days, I'm there until 6 in the afternoon, and throughout this summer I have had to do a lot of work for the upcoming months). I'm also worried about being turned down from job interviews just because of this one thing which may give the assumption that I am inexperienced in the work place and lazy considering I've never bothered to try to find a job. Would it be hard to find a job if it is not possible to put down past experiences on a CV? I'm studying in an area of software development so I would guess it is already pretty hard to find a job in that area in England. I'm also not very social considering I have problems with anxiety, so having a room mate in order to share the bill payments of a future apartment is out of the question. I don't really have any friends, I talk to people during college but they're mostly what I would call acquaintances. My brother who is currently 21 moved out when he was around my age and moved into an apartment with 3 of his friends. He had to get a part time job in order to pay his share of the rent and had to drop college considering he couldn't manage it. A while after, they split up due to arguments about the rent and such.. I don't really want to end up like this.. In 1 year, I'll have finished this year of college and I may have to stop before my masters degree in order to sort out where I should go from here. But I'm not sure at all what I should do, and I'm not even sure I would want to find a job in the area I am currently studying.. I don't really feel an interest in anything.

REVIEW EX CH6 Thanks for checking this for me 20. Linda took out a simple interest loan for $7,000 at 11% interest for 5 years. How much interest did she have to pay back? (Points: 1) 3850 21. Mark invested $1,340 in a simple interest account at 3.5% interest. How much interest did he earn after 4 years? (Points: 1) 187.6 22. Jamie borrowed $800 from his parents as a simple interest loan at 5% interest. If he pays his parents back in two years, how much interest will he owe them? (Points: 1) 80 23. Uncle Howard left his only niece 56% of his assets according to his will. If his assets totaled $564,000 when he died, how much did his niece inherit? (Points: 1) 315840 24. Celeste makes 6% commission on her sales. If her sales for a week total $4580, what is her commission? (Points: 1) 274.8 25. Peeler's Jewelry is offering a 30% off sale on all bracelets. How much will you save if you buy a $45.00 bracelet during the sale? (Points: 1) 13.50 26. Sales tax is 7% in Chester County. In Dobbs county the sales tax is 5.5%. How much could you save if you bought a $98 bicycle in Dobbs Coutny? (Points: 1) 1.47 27. How much would the $98 bicycle cost if it was on sale for 10% off in Dobbs County with the 5.5% sales tax? (Points: 1) 93.59 28. Mindy buys a $36 sweater on a 15% off sale. How much will she pay if the sales tax is 6%? (Points: 1) 32.76 29. Last week hundreds of people attended the opening of a movie. The theater which holds 900 was filled to 85% capacity. How many people attended the opening? (Points: 1) 765 30. How much would an employee pay for a $724.00 stereo if the employee got a 15% discount? (Points: 1) 615.40 31. Misha bought a CD for $14.95. If sales tax was 7%, how much did she pay total? (Points: 1) 62.5% 32. The Pep band made $640 during a fund-raiser. The band spent $400 of the money on new uniforms. What percent of the total did they spend on uniforms? (Points: 1) 281 33. McMartin's is offering a deal on fitness club memberships. You can pay $999 up front for a 3 year membership, or pay $200 down and $30 per month for 36 months. How much would you save by paying up front? (Points: 1) 281 34. Patton, Patton, and Clark, a law firm, won a malpractice law suit for $4,500,000. Sixty-eight percent went to the law firm. How much did the law firm make? (Points: 1) 3,060,000 35. Jeneanne earned $340.20 commission by selling $5670 worth of products. What percent commission did she earn? (Points: 1) 6% 36. Tara put $500 in a savings account that earned 3% simple interest. How much interest did she make after 5 years? (Points: 1) 75 37. Clay bought a pair of basketball shoes for $79.99 plus 5% sales tax. What was his total cost for the shoes? (Points: 1) 83.89 38. At Jefferson high school, the ratio of band members to non-band members is 2 to 5. What percent of the students are band members? (Points: 1) 60% 39. According to the advertisement, how much more would you pay to buy the car on credit? (Refer to book picture PAGE 78) (Points: 1) 13060 40. A department store is selling all swimsuits for 40% off in August. How much would you pay for a swimsuit that is normally priced at $35.80? (Points: 1) 21.48 41. High school students voted on where they would go on a field trip. For every 3 students who wanted to see Lincoln's boyhood home, 8 students wanted to go to the sand dunes. What percent of the students wanted to go to the sand dunes? (Points: 1) 27.27%

I am wanting to purchase a 2 family house that is already occupied and rented for $600 a month, the asking price is only around 15,000 and it's real estate value is at least double that. The owner is retired and just looking to get rid of the house cheap. I have 550 credit and have no capital to add to the deal. I have gotten a responce from one hard money lender. However, I have been thinking about a hypothetical way to make this happen where all parties win. Please everyone let me know what you think, and if I'm missing anything. 1. Get a private loan (not hard money) from a willing investor for 15k. 2. Purchase the property outright. 3. Get an equity loan for the appraised value of the home (est. 40k). 4. Pay back the private loan with interest. I'm sure I may be missing something, so let me have it. lol. I think the key issues I want to know are: A. Will I need to hold onto the property for a substantial amount of time before I can get an equity loan on it? B. Will the equity loan terms be affected by my credit scores and debt-to-income ratio like in a mortgage loan? C. What return would be fair to the private lender for use of their 15k?The whole thing about it being a "private" loan, is so the bank dosen't know I didn't buy it outright with my own money. Therefore the 15k+ private loan will have no bearing on the Equity loan.

soo... my mum has finally decided to sell/ loan my little sisters pony who she has no interest in looking after and doesnt want to ride ever. she is 11-12hh 7 years old welsh x mare. last year i bought her as my little project while my pony was having box rest. she was believed to have done games before but her owner lost their land so a friend of ours had her for a bit which was where we got her from. when i went to see her i sat on her bareback and walked around the field once on a lead rein but when we got back to my yard and i got on her she reared and went over backwards so we started with her from the very beginning doing only lungework and leaning over her back then started riding her. since then she has done small jumps about 1 ft 6 and has also done games at our yard and kicked butt wining every race she was in except one. we took her to a small local show and she got 5th in mountain and moorland and did clear round jumping and she was an angel. also since we restarted her we have had no troubles with rearing and she has only every done one tiny buck which wasn't malicious in anyway. she loves children and will let anyone groom her and pick her feet. thats basically all i can think of... anything else i need and how much do you think she would be worth in £ btw i will re write it and make it sound better for the real thing just trying to tihnk of everything to put in it.here are some pictures http://www.facebook.com/album.php?aid=-3&id=632921503#!/photo.php?pid=4237067&id=720063056&ref=fbx_album http://www.facebook.com/album.php?aid=-3&id=632921503#!/photo.php?pid=4237119&id=720063056&ref=fbx_album&fbid=420577388056 http://www.facebook.com/album.php?aid=-3&id=632921503#!/photo.php?pid=4368210&id=720063056&ref=fbx_album&fbid=426043383056 http://www.facebook.com/album.php?aid=-3&id=632921503#!/photo.php?pid=4368221&id=720063056&ref=fbx_album&fbid=426043608056 http://www.facebook.com/album.php?aid=-3&id=632921503#!/photo.php?pid=4368213&id=720063056&ref=fbx_album&fbid=426043398056 http://www.facebook.com/album.php?aid=-3&id=632921503#!/photo.php?pid=4368214&id=720063056&ref=fbx_album&fbid=426043403056i should also add, she lunges well in just a head collar or tacked up and also does long reining and free jumps up to 2 ft 9

I am a Canadian living in the US on an L1 visa. I have been here for 1.5 years and have now developed a good credit score, I have excellent income and no debt. The local credit union approved me for the car loan I applied for, but only for the remaining duration of my visa. This is only 15 months duration and that makes the payments unmanageable. My employer will be extending my visa but they can't do that until much closer to the expiration date. So my question is; is there any place or way I can get a car loan with a reasonable interest rate (I was offered 3.9%) for a duration longer than my visa. Any help is appreciated.

The U.S. Postal Service was established in 1775. You have had 234 years to get it right and it is broke. Social Security was established in 1935. You have had 74 years to get it right and it is broke. Fannie Mae was established in 1938. You have had 71 years to get it right and it is broke. War on Poverty started in 1964. You have had 45 years to get it right; $1 trillion of our money is confiscated each year and transferred to "the poor" and they only want more. Medicare and Medicaid were established in 1965. You have had 44 years to get it right and they are broke. Freddie Mac was established in 1970. You have had 39 years to get it right and it is broke. The Department of Energy was created in 1977 to lessen our dependence on foreign oil. It has ballooned to 16,000 employees with a budget of $24 billion a year and we import more oil than ever before. You had 32 years to get it right and it is an abysmal failure. Our national railroad system is going broke The Federal government even ran a whore house (Bunny Ranch) in Nevada......AND IT WENT BROKE..... they can not even sell sex and booze The liberal government has FAILED in every "government service" they have shoved down our throats while wasting our tax dollars and creating a huge national debt. AND NOW THEY WANT AMERICANS TO BELIEVE THEY CAN BE TRUSTED WITH A GOVERNMENT-RUN HEALTH CARE SYSTEM ?? America is on the verge of national bankruptcy...... who is going to bail us out when the interest on our debts exceed our income??? MEXICO ? ....we do let illegal aliens send them 80 billion dollars there every year.....maybe we can get another loan to tide us over until paydayMARVIN....Never said the post office needed to make a profit.....it STILL is going broke You have NOT refuted a single thing I posted....you gave REASONS but can not refute..... The United States Government has never done anything economically or effectively....tell me the welfare program....which created a bloated corrupt dependent subculture three and four generations deep was a success...... the Federal government historically makes things worse not betterBEACH BUM.....Do not be so modest....Since you are the "political expert" by your own claim....Please....post corrections....do not let the reader wander off with the wrong information.... save the dayMARVIN.... The USPS may not have been designed to "make a profit".....but it certainly was not designed to cost the tax payers 6 BILLION dollars in one year

I currently have a 5/1 ARM interest only loan on my home, I have been in the home for 3 years, and I have a hard time paying the mortgage and other bills to stay in good standing. Although refinance is available, I do not have hardships that would qualify me. Are there any opportunities that can help in lowering the mortgage to keep house out of possible foreclosure, or change the loan agreement.

Say for example I'm writing a C++ Program to determine the monthly payments of a person taking out a loan from a bank is, the person must input information like the amount of the loan, the years it will take to pay it, and the annual interest. I have figured out a way for a person to be able to input the information, however my program is designed in such a way that a person is able to insert characters in a place where it asks for number of years, which a person is supposed to input numbers, not characters, as a result my program will crash. I'm trying to find a way to place restrictions on what a person can input in the fields, for example in the number of years a person can only put in numbers, they cannot be letters (a-z), and they cannot be negative numbers (-1, -5.6), nor they can be decimals. How do I do this? (More specifically when a person writes in something incorrectly and they hit the enter button, an error message should appear, unless a correct input value that satisfies the question is inserted, the error message will continue to appear, and when the value is inserted it will proceed to ask the rest of the questions and the program should not crash). Below is a sample of what I'm looking for, although this is not correct: cout << "Please Enter The Amount of Years You Have To Pay It In: " << endl; while (!(cin >> numberofyears) || cin < 0); { cout << "Error!! Please Re-Enter The Value"; cin.clear(); fflush(stdin); }I need an example the code, not an explanation of what I'm doing wrong, also now I realize that yes I can make the program examine things and refuse to accept an input, this is what the question is about. So someone write a sample code. Thank You. Peace. And Love for All.

I’m 25 and I have not long graduated from university. I have a poorly paid job because there aren’t any other jobs around at the moment. I’m saving for a deposit so I can rent a flat and buy some furniture and I’m currently looking for a better job so I can support my self. At the moment I live at home (having moved back in after living at university) and my brother is 23 and lives at home as well along with my 18 year old sister. My brother works in a garage fixing cars and is quite happy with working hard and going out on the weekends and getting drunk. He has an expensive car which he spends a lot of money on modifying (boy racer stile). He blows all of his wages and has no interest in Moving out. Thing is he’s a nightmare to live with because 1.He’s always highly strung and snappy (he doesn’t do drugs as far as I am aware of) Sometimes he’s been so verbally aggressive I have said some horrible things to him in retaliation, which I truly regret. But I won’t tolerate being spoken to like that. He hasn’t hit me yet, but I wouldn’t put it past him to one day. 2.When he comes home from work and he’s had a bad day he takes it out on everyone else at home. My parents let him get away with it and just say “leave him alone”. 3.He’s kinder to his friends than his family. He’s even loaned some of them large quantities of money, and he’s only ever got half of it back. 4.All the girlfriends he’s ever had have been weirdo’s who have used and hurt him. One of them even smashed up his car with a baseball bat and ended up in a mental health hospital 3 months later. Its so difficult living with him, the slightest thing can make him blow up. I don’t speak to him much these days if I can help it. I keep my head low to avoid confrontation. It’s like living with a bully. The best solution would be for me to move out and get away from him, but I can’t afford that just yet. But I can see us never speaking again after I move out. He’s my brother and I love him and I don’t want to lose him, but his aggressive behaviour just seems to getting worse. My sister gets on with him a little better than I do and they have the same circle of friends, but they do constantly argue regardless because he’s snappy and short tempered. I just don’t know what to do….He’s making me miserable. I’m worried that as we get older and move out and settle down I am going to have an estranged brother.

My Dad passed away in June. He and Mom have two homes One has a reverse mortgage the other he took out a loan on for a line of credit. He apparently out lived his money and over the last ten years cashed in most of his life insurance policies. Bottom line, he left my mother the task of being responsible for two homes while receiving only $1,100.00 a month from social security,She did receive $5000.00 from the VA but this has been spent on bills. She has done nothing since my Dad did on June 25th, but sit at a table all day and night writing checks. My mother was not involved with the finances and is very much in need of guidance from a professional but cannot afford to spend any extra money for anything. She was advised that she should sell one or both of her homes. Although the line of credit she has in the one house is helpful (this is an interest only loan), it is not enough to support two homes and herself. I have been staying with her since Dad became ill on June 3rd. This house is close enough to mine where I can travel back and forth to my own home and try to keep it up as well, The other house (with the reverse mort.) is to far away for me to pull this off. She's 86 and I'm concerned this stress will kill her too. Any advice is appreciated. Thank youShe isn't looking for a loan really, she's looking for a way out of one or two. She has no idea how my Dad handled the money, she just knows he would take money from one account and put it in his living expenses account. She thought it was the home equity-line of credit account he took it from so she did that. We have since decided she shouldn't do that anymore. The reverse mortgage house can't be rented, it's their rules. Plus it's a condo in an HOA and every time they'd turn around they'd be getting an assessment (sometimes $4000.00) for for something plus they pay $500.00 a month to the association to live there. In their own house. It's not a good situation in my opinion but, who knows. Thank you for (continuing) to respond.

I am a 19 year old Sophomore college student studying Electrical Engineering. I am by no means just simply attending. I am here through grants and loans. My parents are both unemployed and are busy trying to provide for my baby brother. If anything i am in debt. The semester started, fees piled up that my aid could not cover. Jobs are extremely difficult to get in the UCF Orlando area. I then turned to copying the PDF from a CD that i had and offering it up for sale. Ebay took down my posts, and I received a letter from "Cengage Learning" if it's actually them telling me to sign and agree to all these things AND pay $250 as a compensation for my infringement. I have 10 days to do so or they will commence a lawsuit. Here's what they said. Cengage Learning 33228 W. 12 Mile Rd. P.O. Box 180 Farmington Hills, MI 48334 Dear: Let me introduce myself. I am the Infringement & Anti-Piracy Paralegal for Cengage Learning and I am responsible, along with others, for protecting the copyright interests of our company. Cengage Learning has recently discovered that you are illegally engaged in selling material that infringes Cengage Learning’s copyright through the eBay auction site. The eBay user agreement, to which you have agreed, states that you, as a Seller, may not “violate any laws, third party rights, or …policies such as the Prohibited and Restricted Items policies.” Moreover, under the Copyright Act, the owner of the copyright in a work has the exclusive rights to reproduce and distribute the copyrighted work to the public by sale or other transfer. 17 U.S.C. §§106(1) and (3). Notwithstanding the law, and your eBay User Agreement, on April 29th you offered for sale illegal copies of the following Cengage Learning product(s): Calculus: Early Transcendentals by James Stewart. Complete Solution Manual for Calculus: Early Transcendentals by James Stewart. Key Legal Principles We encourage you to take legal advice at this stage. However, it may be useful to explain certain aspects of copyright law here. 1. What damages can a court award in a copyright infringement case? Cengage Learning regularly registers copyrights in the works it publishes. Accordingly, it may elect to recover in litigation, for each work infringed, either actual damages, or statutory damages of “not less than $750.00 or more than $30,000.00 as the court considers just.” 17 U.S.C.§504(c)(1). This amount may be increased to $150,000.00 per work if the infringement is willful. 17 U.S.C.§504(c)(2). Blatant piracy will almost always be deemed “willful.” 2. What if I am sued and choose to ignore it? If you are sued by Cengage Learning, you will need to hire a lawyer to defend the case, or defend the case yourself. If you do neither, Cengage Learning will ask the court to enter a “default judgment” in the maximum amount of damages allowed by law. Such a judgment would then be enforced against you by, e.g., attaching your bank accounts and other assets. 3. Who pays attorneys’ fees? Under the Copyright Act, the court may, in its discretion, award Cengage Learning its costs and attorney’s fees in bringing this action. 17 U.S.C. §505. See Basic Books, Inc. v Kinko’s Graphics Corp., 758 F. Supp. 1522 (S.D.N.Y. 1991). In all events, you will be liable for your own costs and fees, which conservatively could exceed $40,000.00 through trial, for a case that you will lose. Acceptable Resolutions Cengage Learning is willing to settle this claim early if we can avoid the inconvenience of a lawsuit. This can be done only if you respond promptly to this letter by agreeing to: 1. Cease making, distributing, and offering for sale, unauthorized copies of our material; 2. Destroy any and all illegal copies of our material presently in your possession or control; 3. Agree that if you infringe upon Cengage Learning’s copyrights in the future, you consent to the entry of damages against you in the amount of $5,000 per copy; and 4. Pay to Cengage Learning the sum of $250 as compensation for your infringement. Payment must be made in the form of a cashiers check payable to “Cengage Learning.” Please sign and return one copy of this letter to my attention at the address below within 10 business days of your receipt thereof, along with the specified payment, as evidence of your agreement to the above. This offer expires after 10 business days, at which time we reserve the right to commence a lawsuit without further notice. Then it prompts me to sign. I know i need to take action but is this Legitimate? What do I do? Thank you in advance for reading this and trying to help. Thank youI feel like this is just a scam.... 1. I tried to call the number given for the past 3days, no one answers but just want me to leave a message for her. 2. A cease-and-desist letter carrying threats of legal action is not written by a paralegal but by an attorney. 3. The letter threatens to commence a Federal copy right infringement action for a grand sum of $400 when Don Juan’s donkey knows that the minimum amount of controversy for a Federal civil case is $75,000. What do you guys think? should i just ignore this con-artist? thx

I am majoring in Exercise & Health Science, and the department has ties with certain Universities all over the world, particularly in places like Africa and South America, to enrich our education on popular health issues in those areas. I live in Georgia, have the HOPE Scholarship, and Federal Pell Grant to help fund a study abroad, but I need a little more. I only have so much time out of the day to myself, and I was wondering if it were legal to ask neighbors for a donation. In advance, I plan to make a brochure of the Exercise & Health Science Department and the trips they make every year. I also plan to tell them a little bit about myself and why I think it's beneficial to go there. I figured it is legal as long as I am not misrepresenting myself. I am looking to fund-raise using this method for at least a year collecting $1 from each person acquiring around 10-30 dollars a day. I am not interested in loans, and I would apply for a job if I had more time to make money, but right now my full time is going towards my education so that I can make the money later and help people. =] Thank you in advance!

Please don't say that physical appearances don't matter or that there could be a lot more wrong with me and that I am lucky that all I want is a nose job and that there are people out there suffering from far worse things. I have had a problem with the appearance of my nose since freshmen year of high school and I am now going into my 1st yr of college. I have money saved up since I have been working since I was 14 and now am 18 . I have a job but the only problem is I don't want to spend all of my savings. I know they offer loans that u make payments monthly and they have plans that u don't get charged interest if u can pay the entire procedure within a certain time period. But I want to pay off as much as I can and am afraid of taking out a loan. My parents do not know about my wanting a nose job because I too afraid to tell them. What should I do? I want to get it possibly next summer. My friend got it senior year of high school but he went to Mexico, I'm too afraid of doing that even though his came out fine. I'm afraid something could go wrong and would prefer to stay within my regionI have brought this to their attention hypothetically speaking however. The places I found that are supported by the surgical places all have different plans and say that there is no interest if you can pay it off within 6 months. I think I will be able to pay it off. I don't know if my parents are in a position to pay however. They are already paying for college which is pretty cheap actually but also have a mortgage so I dont want to put them under pressure. I have been doing research and found a couple of places that I liked

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U.S. Bancorp and PNC Financial Services Group Inc. may lead the biggest boom in bank takeovers since 2007, and this time, the largest lenders can only sit and watch.

[AAP] - Soft housing finance figures confirm the sector will give the Reserve Bank of Australia (RBA) a reason to hold off raising interest rates.The number of home loans approved by banks and other lenders rose ...

DUBLIN -- Ireland's government privately debated Wednesday how to proceed with its plans for protecting the nation's struggling banks and in particular whether to keep pouring billions into nationalized Anglo Irish Bank.

OFFICIALS of the Metropolitan Water and Sewerage System (MWSS) did not only award themselves hefty allowances but also entered into questionable projects and loans with various corporations which are now being charged to its customers.

The fate of Stuyvesant Town and Peter Cooper Village rests on the interpretation of one clause in a legal agreement.

Anil Ambani's Reliance Capital plans to boost Indian infrastructure loans $10 billion.

On the second anniversary of the bailouts of Fannie Mae and Freddie Mac, it’s now obvious that weak lending standards, serving the political interest of affordable housing for all, were the main reason for the nation’s mortgage meltdown.

Two regional Fed banks continued to call for an increase in the interest rate charged to banks on emergency loans last month, despite signs that the U.S. economy's recovery was losing steam.

On the second anniversary of the bailouts of Fannie Mae and Freddie Mac, it’s now obvious that weak lending standards, serving the political interest of affordable housing for all, were the main reason for the US’s mortgage meltdown.