Family Finances

narra2512 asked:


Can anyone recommend a budgeting software/family finance program that is easy to use and that they like very much? Whatever is recommended I will see if I can download it for free on www.download.com Thanks!
Wow thank you Greeter, I never thought I needed a budget. That concept was totally foreign to me. (rolling eyes) My finances is a more little complex than just “Income less expenditures = whats left over.” However, thank you for your useless and insulting comment.

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Ramblin Rose asked:


I posted this yesterday but didn’t get the response I was hoping for…

My sister-in-law is going through a bitter divorce. Her husband is my brother (Active Duty Army); he continues to try and press charges against her for issues that she thought were being handled in civil divorce court.

She received one call from a guy months ago who identified himself as a CID investigator stating she was under investigation. She never heard anything else. When she went to CID to see what was going on, they refused to even let her in the building and MPI said they had never heard of the guy, although the MPI supervisor has the same name as this guy. No one ever answers the out of state cell phone number where this guy called from. She was fearful for months that she was “under investigation” and was quite paranoid!

Now she has received another call from CID for the same issues—this one actually came from an on-post phone number. My brother has called the cops on her a dozen times for no good reason (ie calling to ask him where the staple refills were, seeing who was gonna pay a bil etc).It is quite upsetting–so much so, she moved off post to escape the harassment.

The issue is regarding debt she racked up in the marriage— she signed his name on a student loan. He knew she was getting a student loan, he just didn’t know she signed his name as a co-signer. She handled all the finances for the entire 8 years they were married. When he found out she had signed his name he was mad, but they worked things out. It wasn’t an issue until she wanted a divorce, and now he wants her arrested for fraud or forgery. Her lawyer said that since he didn’t press charges when it happened, he stayed with her, slept in the same bed, etc… that he “condoned” this behavior and can’t retroactively press charges. We think it’s no big deal since she is responsible for that debt and her lawyer will stipulate that my brother be “held harmless” meaning if she defaults and they go after him then he can in turn sue her for debt, attorneys fees etc..UNFORTUNATELY since he is on post, he can go to the MPs, MPIs, CIDs everyday if he wants to! You would think that they have bigger fish to fry!

He has some issues and we have tried to get him help thru his command, ASAP, etc…he is just being malicious and vindictive. We (my family) adore her–it may have been slightly dishonest, but we don’t think it was criminal and he definitely hasn’t been damaged because of it.

Now my brother violated a civil court-issued no contact order when she was moving off post. He even stole over $6000 worth of her jewelry—when she called the MPs they did get the jewelry back, but wouldn’t do anything punitive or criminal, because it was marital/civil.

SO that being said, can CID legally investigate her and if so is this the normal procedure? I always thought the first step in an investigation is to interview? She gets these calls and then is paranoid that someone is going to come and arrest her
We, my other brother and I, tried to get him help—we went to the chaplain and he suggested Army Substance Abuse Program. His 1st SGT used to have to come over and pick up up at night after he was drunk and started to break things.

My sister-in-law loves him still. She (against our urging) never called the MPs on him once. She wanted their marriage to work—he wanted to keep drinking.

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Itz Just me asked:


Im currently attending college and I Ihave two credit card debts whichare both 500
so total of 1000
I have aphone bill which got cut off and I owe 300.oo
This happened when I moved to school my job I transfered to didnt put me on the schedule for a while so I had gotten behind payments.My credit is now messed up
when I went to go apply for a loan they told me I didnt qualify niether did my mom
My dad wont help me and my granma cant either.Well now I have a new job but they only give me like 2 days and i only make 100 dollars.
Now i have to pay 400 for my tuition and housing if i stop school and work Iwont have aplace to live
if I dont pay i can get kicked out
I was thinking about going into the navy as my last resort but i honestly dont believe the military is for me
adn I have the chance to go to auditions and use my talents but im afraid it wont get me buy I dont know what to do help please
31 minutes ago - 3 days left to answer.
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theriver asked:


I want to be a little more forceful with my family finances and would like to be more knowledgeable. I have been using Morningstar and Wall Street journal and think that its great. however, i would like more of a variety. Any help would be greatly appreciated!

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isacoydog asked:


With the Bush family history of financing Nazi’s, stock fraud, murder, Skull and Bones membership, and now, this moron , Bush Jr., is keeping up the family tradition of attempting to obtain one world government, run by the super-elite, with the rest of us as their slaves. In advance, to the people that do not believe the evilness of this family, you are in dangerous denial. Or are too damned ignorant to avail yourself of the FACTS. We are swimming in facts that this man, Jr, and his family and others are IN THE PROCESS of overthrowing our country from within. If you don’t know that by now, don’t clutter this page with your useless, block-headed defense of the worst man and family on the planet, Bar None!!!!!!!!!!!!!!!! I am sick to death of talking to redneck, ignorant, low IQ republicans that do not know their *** from a hole in the ground and refuse to hear the TRUTH about their beloved “saviour”. He is trying to steal our country. Wake Up!!!!!!
DC Bob and Shinzoe, you are idiots. I hope you and people like you are among the first to be “neutralized” for being useless to the “New Society”. Why don’t you Google “George Herbert Walker Bush”. If you don’t believe me, read the documentation. He was charged with treason for organizing front businesses for the Nazi’s It is a fact. You can read, can’t you?
Oh and by the way. They are different, we don’t know them, at all……Muslims and Islam is being USED to give this Cabal the excuse to tighten their grip on us. The bin Laden family and the Bushes go WAAAAAAAY back. Osama’s brother financed dubya’s first oil exploration, among many many other personal dealings. Up to and including…..9-11.
http://www.truthout.org/docs_02/012303A.ma.dead.htm
http://www.google.com/search?hl=en&q=Prescott+Bush+Nazi+UBC+1942&btnG=Google+Search

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stardust44 asked:


if you do/did have a part-time job, did/do you ever help with your family’s finance? it’s my first time that i have a job and I want to help my parents with family finance but I feel as though i have to give my whole salary as a lot of money is expected and not much can be done with a small amount of money.. i feel guilty cuz yet i need to buy some things for myself or save it for gifts and i dont know what to do… i dont want to be selfish because i know that i need to help in some way…. yet it feels kinda odd….

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mommy to be of 3 asked:


We make 52,000 a year in iowa, we pay 130 on our car loan a month still owe 2,200, 44 a month on a tsp loan still owe 6,200, 366 on a separate tsp loan we still owe 820, and about 200 a month to the army on a debt- husband was deployed daughter got sick he had to come home and ran out of leave time and kept being paid with the knowledge we would pay back and I have absolutely no idea what we still owe they keep heaping fines on top of it as they dont feel we are paying it back quick enough. 90 goes into a retirement account every month 24 into another retirement account every month. We pay on our credit cards every month (under 2,000 total) We also pay 240 a month ins, and 37 a month for life ins, we have about a 115 dollar bill for phone cell and internet, house is 600, electric gas water 150, We also took out a loan to pay part of our hvac system -2700. We have a closing cost refund of about 3,500 coming in a few weeks and one of our tsp loans will be paid off in 10 weeks.
With the 3,500 I planned to pay off 1,000 of the credit cards(the other thousand wont accrue interest for another 9 mo) then pay off the Hvac loan. Next in December I would take out a new tsp loan(I have to wait 60 days after the other is paid off) at a low rate of 4. something depending on the daily market. I would take out 9,000 and pay off everything except the army and use any left over for new beds for all 3 kids and my husband and I (if nothing is left over we will wait till tax time, last year we got back about 8,000 something all together) then I would make the payments I would otherwise be making towards everything to the house loan to get it paid down quicker (half) and half into savings as buying the house depleted our savings to zilch(we put 10,000 down) we still owe 62,000 as in the last couple months about 800 has went to capital(we are on a fixed rate of 6.25 and I am paying what I can extra) Then when taxes come back hopefully we can use them to buy a better vehicle
as our 98 mercury villager has seen better days. Am I crazy? What would you suggest, our bring home after everything is about a 1,000 every two weeks

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Paige asked:


I will try to make this as short as possible…

I am a 23 year old living at home with my mother, her boyfriend and my mother’s mother who has Alzheimer’s. I moved back here last November after I left college. I work a full time job on top of running my own horse training and boarding facility. My mother’s boyfriend helps me out with the farm since I am not able to be there 24/7. I pay him some money each week… just a small salary. He refuses to get a real job and lives vicariously through me and my dreams of having this horse farm… something he has always wanted as well but lacks the experience and stability. My mother stays at home all day and does nothing but sleep, drink, and takes care of my grandma. The house we live in is a pig stye (sp?). It is filthy, disgusting, infested with bees, cluttered and just down-right nasty. I **** living there. I have helped my mom clean her room and bathroom many times. I have organized and done everything I can to help her but she refuses to keep it up. Her boyfriend works hard but he is so scattered all over the place not knowing what he wants to do… he changes his mind career-wise about 50 times a day… and I am not exaggerating (sp?). I would move in with my Dad but he and I don’t always get along either. He is in his 80’s which makes me think I should move in with him because I know he could use my help but we just don’t have a very good relationship. In fact, he is 90% of the reason I am constantly stressed out and always walking on eggshells. Anyway… here is my real question: I have an opportunity to move in with my boyfriend and his parents. They have a nice little house close to my work with 5 acres… enough to even move a couple of my own horses to make room for more boarders at my farm = more $$$. I have basically stayed every night over there since he and I got back together (we dated while I was in college but I partied too much back then and it just didn’t work out well). I have known his family my entire life. His parents have literally known me since I was in diapers, and so has he. We want to eventually get married but we want to make sure that we have our finances in order first. I make good money and can afford to pay rent to his parents, plus it would help them out a little since his mom is stressing over the fact that her husband still does not have a job…. she doesn’t want to lose the house and we don’t want her to either so my boyfriend and I suggested me moving in and splitting the rent 4 ways. I know all of the pitfalls to be aware of when it comes to living with your boyfriend and what other people might think as well. I just want to get out of my current living situation and get my life a little more organized in a cleaner house. Do you think that moving in with them will hurt me more than I am already hurting myself by living at my mother’s filthy house that is driving me insane?

And P.S. to all those that answer by saying “talk to your mom about how you feel”…. this won’t work, I grew up in a filthy house, I know her habits, she will never change, and neither will her boyfriend.

And P.S.S. I can’t afford to get a place on my own just yet… or I would!

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Michelle A asked:


I am going a little crazy, my husband wants to leave like as soon as he gets his orders, and I am so clueless. I have tried contacting people, but know one seems to want to help, but they will help my husband in a heart beat. ANY INFO I CAN GET FROM ANYONE WOULD BE GREAT! We are a military family with 2 small children, (one is 9 months now, and the other will be here in December.) I want to bring our dog (Siberian Husky), is that smart? Does anyone have any info about quarantine? Also, I am so stumped about what to do about a car, right now we have a jeep wrangler (soft top), and a ford Explorer– some have said that SUV’s are not smart to bring since the streets are so narrow… is that the only reason, or is there alot more to it? ALSO– WHAT ABOUT BUYING A CAR OVER THERE? I hear that many do that, but what is financing like? Do they even do that? DOES ANYONE KNOW WHAT THE COST IS FOR A BMW FROM GERMANY– many that I have talked to have said buy from the factory in Germany, but they havent given me any more info when it comes to that… LAST BUT NOT LEAST–HOUSING– I know, contact housing there at Camp Ederle,– but they wont even talk to you unless you are like a month from getting there– DOES ANYONE HAVE ANY GOOD WEBSITES WHERE I CAN LOOK FOR HOUSING, AND KIND OF GET AN IDEA OF WHAT I WILL BE SPENDING, AND WHAT I CAN GET FOR OUR $$. Thanks–

I will be greatful with any info that you can give me– I want to go to Italy more than anyone in this world, so I want to have the best time, but I dont want to get there with my eyes shut. So I want to know anything and everything!

please please please help me!!!!!!

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jlcha541 asked:


i mean the requirements , if i’m approved for a certain amount on a home loan, would it be the same amount if i decided to by a business?

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