totally confused about my future due to financial problems?
551988
ummm pakistan is not in iraq....anyway ther isnt anything yahoo answers is going to do for your messed up money...i doubt anyone is going to loan you money from the US...try the pakistani bank
147822
Hey, I've been following your line of questioning.  You seem to be in a tight situation.  I don't want to sound like I'm lecturing you but there are many great books out there to help you in your situation.  You might try Suze Orman, she is a guru on personal finance and getting some tips from her books will save you $loot$!  \nI was in your same situation, I went to school and got lots of debt trying to get my M.S. as well.  I even filed for bankruptcy.  Even when you do that it is not over.  I learned a big lesson on personal finance that way.  I now have a 728 credit score, I own 3 houses, one credit card with a $13000 limit (i never carry a balance over), I lease a $38000 car with no downpayment, and can get financed anywhere I want, if I had to.  Plus, that bankruptcy is still visible on my Credit report (it was almost 5 yrs ago).  Hopefully you will never have to do that. \nAll I'm saying is, stick with it.  Don't let other people tell you it's really bad where you are.  It is going to get better, it is just going to take some time.  If I were you, I would keep renting, especially if you have some debt you need to take care of. UNLESS you are going to get into income property, such as a duplex, that pays for itself b/c of the tenant's rent pymnt.  You are doing the right thing and getting the facts about how to overcome your current status.  \nYou really should call the company about your above question.  When lenders get the sheet on you, they look at the money you owe.  If you owe twice as much as you really owe it is going to look horrible.  One of my reports said I owed the Dept. of Education twice the amount of my school loan!  Can you imagine?  Over $80K!  That looked real bad.  It really doesn't matter if it is a duplicate, lenders only care about the amt. you owe against the amt. you earn.  \n\nGood luck friend!  If you ever have any questions or advice about personal finance I am willing to share with you what I did or read to do it, I really like to help people with finances.  I'm not a guru just a real person with a similar background.\nqumungis@yahoo.com
1138834
Unless there has been some -- drastic changes, financial aid barely cover a bag of chips after educational finances are deducted.  If you are starting from "bare bones" and you are a minor, you may want to re-think how much of what you have now can be stretched until you can successfully finance at least 75% of your basic needs - food, clothing, shelter & contents.  If in the near future you decide to have a roommate - pick one that can be self-reliant at the 75% level as well.  Both of you will have a little bit of change to spoil yourself.  Another rommate could cut the percentage down to 50% self-reliant for each of you.  This can be considered "drama insurance".  In addition to classes, there is employment and you'll have to plan and think ahead of routines (cleaning, sleeping, laundry, meals, work, study, attending classes ---- girls, girls, girls).\n\nUnless you have liberal parent(s) that are in excellent physical condition, you may want to slow the role of independent student.  It won't be 4-ever.  Some institutions have on-line classes in addition to traditional classes.  Some of these institutions will accept completed on-lince coursework from other institutions. Liberal Arts courses can be accomplished at a community college and many technical institutions.  You could delay initiating the amount of debt in student loans for at least a year by living at home for a few more moments and work to purchase your car :)
126733
Go to your bank, whom you deal with, and set up an appointment. They can discuss your options. How old you are, how much you have to invest, what your goals are and so on. Good luck.
1139625
First of all, let me say that I too am sorry for your loss.\n\nIn answer to your question, the short term answer to your question is "none."  Anyone who starts telling you what you should do with your money without knowing your circumstances is just guessing.  And a financial advisor who does that is just looking for a fee or commission.  Things that need to be taken into account are your age, whether or not you are working, how much your income is, what your debts are, how much you have in other assets (house, savings, etc.).  Once that's known, a decent advisor can help you find that balance between risk and growth that would serve you best.\n\nBefore you commit a nickel to a financial advisor, get yourself an elementary education in personal finance. You're going to get a lot advice here, and you won't know who to believe. Well you can believe this: no one is going to care as much about your money as you are. No one is going to watch it as closely as you are, especially someone who's got multiple accounts to look after. So get yourself a foundation, so you'll know if someone is actually giving you good advice or not. Personally, I recommend "The Only Investment Guide You'll Ever Need" by Andrew Tobias. It'll give you an overview of everything you need to know (stocks, bonds, real estate, insurance, etc.). Then you can decide if you need a deeper education in anything. Good luck!
780712
be a genius... \n\nbeyond that, you're pretty much screwed...
796301
Hello there,\n\nYou still do have many options, but i would need to know more information in order to accurately give you a suggestion..\n\nYour in a situation that alot of students find themselves in these days with such high tuition rates..\n\nWhat i would have to do is take a closer look at your situation and then advise you from there..\n\nI work with Student Aid Lending, we are a nationwide title IV lender administered by the Department of Education... I would be happy to assist with your federal student loans... \n\nTake a look at my yahoo 360 profile.. There is alot of helpful information there for anyone to view.. You can also find the direct link to my website..\n\nhttp://360.yahoo.com/my_profile-hluduhmi...\n\nIt is actually a VERY SIMPLE process, it can be completed in 10 minutes over the phone and internet...\n\nFeel free to call or email me at any time.. Im available at all times to answer any questions or concerns you may have..\n\nI hope this helps!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@StudentAidLending.com
544475
MY DEAR MAN HOW COME YOU HAVE MANAGED TO BECOME A DEBT-ER TO THE TUNE OF 5000$. IT IS REALLY A PITY TO HEAR THIS, UP TO THE AGE OF 53 YOU HAD MANAGED TO GET ONLY 5000 $ VERY POOR.\nNOW PEOPLE THREATENING YOU, MEANS THAT YOU HAVE TAKEN A HAND LOAN FROM WHOM SO EVER GIVING YOU, NATURALLY THE HARD EARNED MONEY MADE BY OTHERS ARE WASTED LIKE ANYTHING BY SOLES OF YOUR TYPE AND HOW DARE YOU ARE TO ACCUSE OTHERS IN TURN. I DO NOT KNOW WHAT LAW APPLIES IN YOUR PLACE TO COME OUT OF THAT.\nIN MY OPINION  YOU HAVE TO SURRENDER TO THE LAW AND TAKE PROTECTION. SECONDLY SELL ALL YOUR BELONGING AND REPAY AT-LEAST THE PRINCIPLE AMOUNT TO THAT PEOPLE FROM WHOM YOU HAVE TAKEN THIS MONEY.HEVE SOME UNDER STASNDING WITH THEM TO REPAY THIS AMOUNT OTHERWISE YOU HAVE TO MEET THE COSEQUENCES. NO ONE WILL COME FOR YOUR RESCUE EXCEPT ALLAH IN WHOM YOU BELIEVE. WISH YOU GOOD LUCK
1047151
Try going to a local church for the help you need.  Those fast loan places are bad news.  Your financial problems will only increase.
848937
If you believe in yourself, i have experienced it in my life, don't work under anyone. Start your own one and see where life takes you. Initially, you may have some financial problems but tackle them and you'll reach your goal very soon.
765780
hey dont lose hope dearie I am sorry to hear that, Ive been through a lot of financial troubles too and I always got assistance from NHBS, Inc. they are a team that works with the best lending institutions...try contacting them and I do hope you'll get thru all these ,\n\nhttp://www.newhorizon.org\n\nIm sorry I can only give you their site, not contact info but I think it can be seen on their site too\nall the best\nhave a super day
82725
What you should do is talk to them and explain your situation... Also I would look into going through a debt consolidator... That is what I do... and I was in your situation and now all I have left is less than a year and I am debt free!!!! I had to go to court for one of my bills... and when I did that the person said that they couldnt take money I didnt have, so they worked with me so I am paying a very low payment... SO your best solution is to talk to all of them... They may be able to help you out...
1134722
the only way to figure this out is by figuring what YOU want to do in life. It's kind of hard to figure out aftre just finishing college, you have resposibilities now, rent, debts and so on. The key here is to find out what you really enjoy doing. that can come about from many different ways. If you're like me, I found out what I wanted to do in life by.....figuring out what I DIDN'T want to do. Had lots of crappy jobs that lead nowhere. took me awhile to figure out that I didn't know what I wanted and that's why i career hopped to various jobs. Look at what you find interest in, not what makes a lot of money or what your parents would like to see you do but what you find interests in. doesn't have to be in accounting either. I grad with a B.A. in English Writing and I'm now a loan officer. either look for what you want to do or just pick something quick and see if you like it.
12932
Credit counselors probably would help.\n\nYou might find the book below to be useful.\n\nNow is the time to straighten out your problem before it becomes overwhelming!!
168805
No one is completely assured in their future . . . everyone goes through their ups and down . . . what you need to be is self assured in yourself . . . confident to handle anything . . . work hard . . . and make yourself succeed . . . once you are able to do that continue and you should have no major problems in the future.\n\nDon't forget . . . save your money . . . for you future and retirement.
800337
You don't mention if you have a job.  If you do, you could either ask your employer for an advance on your paychecks or you could go to one of those paycheck loan places where they will loan you the money, at a high rate of interest, but it's better than being homeless.  Also, have you asked your parents or relatives?  One other thing, check your university's social services dept. (if they have one) and ask a counselor there for help.  \n\nIf you don't have a job, get one!  If you've been paying your rent on time in the past and this is the only time you've been late, your landlord might cut you some slack when you show him that you are really trying to get your life back on track.  Set up a payment plan with him and stick to it.\n\nIt's good that you're learning a valuable lesson now, while attending school, and it's not even part of your curriculum.  Your credit history/rating will be one of your most valuable assets as you go through life.  Protect it and do all you can to keep it healthy.  That way, when things happen to cause unexpected financial problems, you have options.
887794
Hi, I'm Sean Toh from Singapore. You can get help from the following resources below. They provide unsecured loans. Let me empower you to a better education so that you will know what to do in the future.\n\nYours Sincerely\nSean Toh