varg

i'm in your situation. i am going to a community college right now, filing for bankruptcy later this mo or next. i received the maximum award for financial aid, which is covering my tuition. i took out a small loan (1700$) subsidized and i'm just dealing with it. you do the best you can do. i don't want to take out loans, especially in our econ. and i'm not sure where my next web dev project is coming from. i am going for as many certification tracks as possible in my free time, learning what employers want me to know and next summer i am going to apply to all jobs which pay halfway decent. for instance, it is good if you at least know microsoft office -- excel, powerpoint, how to make brochures etc. make yourself as marketable as you can to employers. show them that you have initiative and aren't just taking them for a ride while in school. luckily, i had a good job a few years ago and bought everything i need. im staying with my folks -- it sucks but i have to for now. i have had to go to food pantries... even though i work my flowers off. it's not really fair, but it's life. you deal with it the best you can. loans are not always the answer. go meet people.

no, the car ain't yours. return it.

What do you do?

I am strictly a cash only guy, especially for small purchases such as lunch.

Yeah, I'm sure a call center would love me, but I wouldn't love them. I have learned to go after jobs which make you satisfied mentally as well as financially (I was at one time a retail manager during my first stint in college, and it was the worst job I ever had). I am going to just suffer through a couple more years of school till I can get it right this time.

Hi Jill, I'm in Metro Denver right now. I can't find anything. Can I have your contact information? I was thinking of moving to Overland Park and trying to get on at Sprint... LOL! Man, am I glad I made this post Thanks! Best, Overland Park is not doing as well as it was. Sprint is the main employer and they are and have been doing massive layoffs for 2 1/2 years. How do I know? Worked for Sprint for almost 8 years in Overland Park. After laying off 25% of my team in Jan 08 I started my international job search and ended up moving to Denver last August ahead of the next round of layoffs (where my old job was eliminated). My house in KC is still for sale 1 year later. I filed BK13 last week. HTH Jill in CO

sometimes, it just makes me want to scream. i try not to be jealous of people, but it's hard. hell, i know how to read (and write pretty well), unlike millions of Americans who seem to have pretty good jobs. i have ALWAYS been taking college classes since I graduated HS, and if not college, other certification tracks. i apply in person most of the time to an array of related jobs, so i can focus on the specific jobs which im going for at the time. man... i dont know. the main thing im concerned about is how to deal with family while im going through all of this. my family has always had really high expectations, but now as theyre getting older they dont really know what the world is like and just how tough it is right now. thats why im moving, but i dont even know if ill be able to get a place with my jacked up credit. is it easier to get a decent place in college towns with bad credit?

Okay, how'd you conduct your international job search? I have been thinking of making a move to Overland Park, Ks. which seems to be doing pretty good.

yeah, im enrolled full-time. i took the summer off to get my finances in order.

I have been trying to get my credit back on track for a few years, but with personal life always getting in the way of me getting ahead, I have decided just to file for chapter 7 and get a fresh start. I have so much debt it is unbelievable how ignorant I was. I have returned to school this past semester, and hope to get a job in advertising/marketing in a couple years. The only jobs that I have been able to find in the past few months have been work study jobs, and they are only about 20 hours a week. I do side work, but it's still not enough to make ends meet. When I see my friend's credit card interest rates jumping to 30%, even with low utilization, it makes me just want to give up on our whole economy. I thought I had done everything right... I sold my motorcycle and my car, now I drive a 92 Honda Accord with a rebuilt tranny. I enrolled in college. I got a dog so I could go to the mountains and just enjoy nature and the cheap things in life. I work out more and I have a membership to the rec. center, where I have met some cool people. What am I doing wrong????? i can't get my foot in the door of any company because of my credit situation right now, and will be living off of my student loan and work study until I can file BK. I want to get it right this time. My upbringing (I'm 24 and trying to man up) never taught me ANYTHING about credit, credit cards, FICO score, checking accounts or whatever. I have been pretty much self-taught, and haven't been able to rely on anyone in my life. I just want to buy my own house in a few years. Why is it so damn hard? I have been trying to build up my network of professionals and have been building a portfolio of websites which I have designed and maintained. I have several certifications and skills (120 WPM accurate typing, 11kpm 10-key, Electrical, HVAC, Computer Networking [Cisco Certified Network flowers'c, MCSA], XHTML/CSS/MySQL/Zend PHP/MS Office), a few resumes fine-tuned to different job titles that overlap, and I still can't FIND A DECENT JOB THAT PAYS MEDIAN WAGES! I go to the workforce center and get leads, go on interviews, but I am always passed up. I am clean-cut, well built and a decent looking individual and try to always take care of my health. My expectations are not that high, I don't think. I want a job that pays $35,000-$40,000. I practice interview questions before each interview... and I sometimes go make acquaintances with the hiring managers beforehand. Am I trying too hard? I don't know what to do.

Your best bet would be to try and get one of your current cards limit's upped. If you opt to do a balance transfer from your highest % card with biggest balance, then you can always get a low introductory rate for 6 mos. The thinking of companies offering low introductory APRs for balance transfers is that it will easily gain them new, loyal business (because they helped you out of a financial jam) and because 6 mos is all it should take with proper planning and budgeting to get the balances to a manageable level.

Hello! An acquaintance of mine has an LLC that he registered with the State of Colorado in March 2003, but which was dissolved in 2005 (local wireless ISP that failed, but has no paydex or anything). It is a perpetual LLC and I was wondering what documents I would need to obtain from him to transfer ownership of the LLC over to me? I am going to be purchasing the LLC from him for $50 for each year that it was registered, or for $250 and am going to be filing the articles of reinstatement ($100) to bring the records current. I am in the State of Colorado and he is the sole member of the LLC. Would there be a red flag on my future Duns if I reinstated this LLC in the state of Colorado? Once I takeover the company I do plan to change the name.

using the address of your friend might constitute fraud in the lender's eyes, and could get your company red-flagged in the near future. DUNS checks county records and it is better to have a separate OFFICE location on file with a BUSINESS TELEPHONE number at the same address with 411, than it is to use a residential address not belonging to you. I have applied for and got AMEX, Discover and CitiBiz using a Regus drop box because it is also the address that I use as my principle office mailing address on my SoS Article's of Organization. I would not even trust friends with handling the mail for my business. What would get you red flagged in DnB is constantly changing the principle office mailing address on your Article0s of Organization or the address which is listed on your EIN #. With all the fraud going on out there, why would you trust a friend to handle your business's financial mail?

LegalZoom and NoLo both offer trademark forms you need to file for a trademark. When you file for your trademark you get a pending trademark until your application is accepted or denied by the USPTO. You need to figure out if you want your corporation to own your trademark or if you decide to do so personally, you can license the trademark to your corporation (but this can open you, personally up to lawsuits). You should also file for a trade name with your secretary of state. The process is fairly straightforward and attorneys are good if you want them to do an in-depth search to verify that there is no other conflicting trademarks out there before you go and file to save yourself legal headaches down the road.

The goal is to get a loan not using your own personal information, the goal is to get CORPORATE CREDIT which is totally separate from you, personally. It is to protect yourself and your own assets in the future. In regards to the OP's question, I suggest purchasing a shelved Delaware, Nevada or Alaska LLC, use a registered agent and file for a foreign corporation with your own secretary of state. You can change the name of these LLCs to "Bright & White Dental, LLC". You may even want to get consider a holding corporation to protect your wife's assets... a dental clinic is a huge investment and she will probably be an employer requiring office personnel, dental assistants, other full or part-time salaried dentists, etc. As such she is going to need to figure out if she is going to get her people through temp agencies on contracts or if she is going to hire them as full time employees. She will need to collect w-4 information for their tax with holdings, verify their legal status and ability to work in the US, etc. For this kind of venture I would definitely recommend talking to a veteran tax professional and get a lawyer on retainer IMMEDIATELY. For an investment such as this you need to take every measure that you can to protect your future. If you can build a successful clinic, or merge with another one then you can have a very good chance at life long success, but if you screw up the organizational structure of your corporation before you begin then you can be screwed in the long run. My uncle was a dentist so I learned a little bit (a very little bit, lol) about the ins and outs of a dental clinic's operations... Good luck bro!