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Our Home is slipping away... Please HELP now!
Posted by buyahome on 2012-05-17 13:58:58
As the housing bubble collapsed, my family and I could see the coming recession and its fall out coming. While my wife has a steady and secure job, and I ran a successful public relation business, we could not chance getting caught in the down pour of bad lending and foreclosure we saw coming. That was our last smart move.
As the recession, I might argue depression spread across the country and our town equally, like so many others, we found ourselves affected in ways we didn't see coming. My business began to fail, losing client after client to hard economic times, until those few clients who were left were asking for reduced costs, some even asking to keep services coming though they can not pay at this point. I have tried to oblige. I continue to serve many clients in trying to promote their products and services "pro-bono" so they can eek out a living in these times.
My wife has been great through all this. She works a steady "day job" to barely meet our monthly rent and bills.
We have tapped every credit card, and can't pay their monthly bills and fees. We have ruined our credit, believing if we could hold back the storm, and continue to help those we serve, we would be alright on the other end.
NOW, as home prices are finally in reach, we find that we can no longer qualify for the loan that would get us, and our five sons into a new home. With home costs once nearing and surpassing $200K, we can now buy the perfect home for $50K. That's what we're asking for now: $50K!! Banks, once far too anxious to give loans for over-priced homes to people who could not afford them, now turn us away for a much more reasonable loan that would actually lower our monthly expenses by almost 1/2. We now watch as wealthy investors snatch up the homes once financed by real families and foreclosed on. But in the time it takes to rebuild the credit we need to get financed, these moguls will have all of the properties and be renting them out to all of us who could not hope to own under these terms.
So we turn to YOU! A generous stranger, who can help make our dream come true. YOU can donate a small portion of this expense, and help us to make this dream come true. We are setting a goal of $50K, and hoping to beat the tide of greedy investors from owning what could be our new home. As we get closer to our goal we will use some of the thoughtful contributions we receive to repair the credit we have forfieted, so we might get the funding we need on our own through a bank. IF this happens, and we exceed donations needed, then we will donate the remaining funds to others on Begslist.com, including to the Begslist.com creator to continue to help neighbors help neighbors ... because we all need help sometimes!
A Home is slipping away!!! HELP
Posted by buyahome on 2012-05-17 13:58:57
As the housing bubble collapsed, my family and I could see the coming recession and its fall out coming. While my wife has a steady and secure job, and I ran a successful public relation business, we could not chance getting caught in the down pour of bad lending and foreclosure we saw coming. That was our last smart move.
As the recession, I might argue depression spread across the country and our town equally, like so many others, we found ourselves affected in ways we didn't see coming. My business began to fail, losing client after client to hard economic times, until those few clients who were left were asking for reduced costs, some even asking to keep services coming though they can not pay at this point. I have tried to oblige. I continue to serve many clients in trying to promote their products and services "pro-bono" so they can eek out a living in these times.
My wife has been great through all this. She works a steady "day job" to barely meet our monthly rent and bills.
We have tapped every credit card, and can't pay their monthly bills and fees. We have ruined our credit, believing if we could hold back the storm, and continue to help those we serve, we would be alright on the other end.
NOW, as home prices are finally in reach, we find that we can no longer qualify for the loan that would get us, and our five sons into a new home. With home costs once nearing and surpassing $200K, we can now buy the perfect home for $50K. That's what we're asking for now: $50K!! Banks, once far too anxious to give loans for over-priced homes to people who could not afford them, now turn us away for a much more reasonable loan that would actually lower our monthly expenses by almost 1/2. We now watch as wealthy investors snatch up the homes once financed by real families and foreclosed on. But in the time it takes to rebuild the credit we need to get financed, these moguls will have all of the properties and be renting them out to all of us who could not hope to own under these terms.
So we turn to YOU! A generous stranger, who can help make our dream come true. YOU can donate a small portion of this expense, and help us to make this dream come true. We are setting a goal of $50K, and hoping to beat the tide of greedy investors from owning what could be our new home. As we get closer to our goal we will use some of the thoughtful contributions we receive to repair the credit we have forfieted, so we might get the funding we need on our own through a bank. IF this happens, and we exceed donations needed, then we will donate the remaining funds to others on Begslist.com, including to the Begslist.com creator to continue to help neighbors help neighbors ... because we all need help sometimes!
To Buy a Home
Posted by buyahome on 2012-05-17 13:58:56
As the housing bubble collapsed, my family and I could see the coming recession and its fall out coming. While my wife has a steady and secure job, and I ran a successful public relation business, we could not chance getting caught in the down pour of bad lending and foreclosure we saw coming. That was our last smart move.
As the recession, I might argue depression spread across the country and our town equally, like so many others, we found ourselves affected in ways we didn't see coming. My business began to fail, losing client after client to hard economic times, until those few clients who were left were asking for reduced costs, some even asking to keep services coming though they can not pay at this point. I have tried to oblige. I continue to serve many clients in trying to promote their products and services "pro-bono" so they can eek out a living in these times.
My wife has been great through all this. She works a steady "day job" to barely meet our monthly rent and bills.
We have tapped every credit card, and can't pay their monthly bills and fees. We have ruined our credit, believing if we could hold back the storm, and continue to help those we serve, we would be alright on the other end.
NOW, as home prices are finally in reach, we find that we can no longer qualify for the loan that would get us, and our five sons into a new home. With home costs once nearing and surpassing $200K, we can now buy the perfect home for $50K. That's what we're asking for now: $50K!! Banks, once far too anxious to give loans for over-priced homes to people who could not afford them, now turn us away for a much more reasonable loan that would actually lower our monthly expenses by almost 1/2. We now watch as wealthy investors snatch up the homes once financed by real families and foreclosed on. But in the time it takes to rebuild the credit we need to get financed, these moguls will have all of the properties and be renting them out to all of us who could not hope to own under these terms.
So we turn to YOU! A generous stranger, who can help make our dream come true. YOU can donate a small portion of this expense, and help us to make this dream come true. We are setting a goal of $50K, and hoping to beat the tide of greedy investors from owning what could be our new home. As we get closer to our goal we will use some of the thoughtful contributions we receive to repair the credit we have forfieted, so we might get the funding we need on our own through a bank. IF this happens, and we exceed donations needed, then we will donate the remaining funds to others on Begslist.com, including to the Begslist.com creator to continue to help neighbors help neighbors ... because we all need help sometimes!
I need help to regain my confidence...
Posted by enigmagirl1979 on 2012-05-13 21:58:26
Can anyone help me feel like me again?
Posted by enigmagirl1979 on 2012-05-10 21:58:45
DESPERATE and SCARED. I cant do this on my own anymore and i am OUT OF TIME AND OPTIONS... PLEASE
Posted by rchmchl on 2012-05-09 12:58:33
I will make an honest attempt at keeping it quick and to the point, since you know how I can get to rambling on forever about nothing. I am going to start with the immediate and EXTREMELY URGENT situation at hand with prior situations that have created a situation that I cannot handle alone.
3 or so weeks agoâ¦.
I was pulled over for my front license plate and registration being expired (had only recent got the vehicle back) I was personally searched 3 times... my car was loaded to capacity, and I said I would rather them not search it, due to it contents and the time and energy spent loading it. He said he would call k-9. I had no problem with this. The dogs were 2 hrs away and apparently this cop was set on this, so he tells me, âim going to search your carâ so the car was searched extensively and illegally by 3 officers while I was told I had to sit in the officers back seat, locked, of course.... as expected, there was nothing found anywhere in my car by 3 police over the course of a few hours.... Keep in mind, i was searched three times before being placed in his car.... wearing a bathing suit..
They let me go, and told me I could load my car back up.... then, for some reason....the initial officer removed the lower portion of his back seat???. Found something (controlled substance, less than a gram, schedule 1) that i have yet to be informed as to what it wasâ¦. Screamed to put my hands behind my back, confusing, arresting and humiliating me.
Have spent money that I could not spare to get out of jail, get my car back and wasted close to a week of my life.
One level 3 tampering with evidence⦠(Claiming that I put the controlled substance in the back seat)
$10,000 and 2-10
The other, possession of a controlled substance, less that a gram level 1â¦.. is a state felony and brings similar time and money
There is a camera in the back of this officerâs car as well as one on the small building at which the incident happenedâ¦
Its all on video, and the lawyers i have talked to have assured me that this is an easy one, âwont be a problemâ and itâs a âno brainerâ.
But given the circumstances leading up to and surrounding these ridiculous legal charges I cannot obtain the services of these lawyers since I am unable to afford what they are asking. Was told if I could bond myself out, then I couldnât have a public defender, and even if that isnât true, I wouldnât want one simply due to the fact that I am not prepared to settle or accept a plea bargain for something that is going to ruin me.
Court is TOMORROW, the 10TH
Like I said⦠this is the most embarrassing and shameful thing I have had to face.
Please help my family and i. This is injust, I am scared, donât know what to do and I cannot take it.
They are asking for 8k, and 1/2 down...
Thursday, may 10... TOMORROW, i will go from a normal, once succesful person who fell on hard times to an animal in a prison cell.
Please please please. I will do whatever it takes to pay you back. Interest, labor, ANYTHING.. i will just need a bit of time to get through this situation and i will focus on repaying
Please email asap.
Thanks.
I cant do this on my own anymore and i am OUT OF TIME AND OPTIONS... PLEASE Help me with an EXTREMELY URGENT matter
Posted by rchmchl on 2012-05-09 12:58:33
I will make an honest attempt at keeping it quick and to the point, since you know how I can get to rambling on forever about nothing. I am going to start with the immediate and EXTREMELY URGENT situation at hand with prior situations that have created a situation that I cannot handle alone.
3 or so weeks agoâ¦.
I was pulled over for my front license plate and registration being expired (had only recent got the vehicle back) I was personally searched 3 times... my car was loaded to capacity, and I said I would rather them not search it, due to it contents and the time and energy spent loading it. He said he would call k-9. I had no problem with this. The dogs were 2 hrs away and apparently this cop was set on this, so he tells me, âim going to search your carâ so the car was searched extensively and illegally by 3 officers while I was told I had to sit in the officers back seat, locked, of course.... as expected, there was nothing found anywhere in my car by 3 police over the course of a few hours.... Keep in mind, i was searched three times before being placed in his car.... wearing a bathing suit..
They let me go, and told me I could load my car back up.... then, for some reason....the initial officer removed the lower portion of his back seat???. Found something (controlled substance, less than a gram, schedule 1) that i have yet to be informed as to what it wasâ¦. Screamed to put my hands behind my back, confusing, arresting and humiliating me.
Have spent money that I could not spare to get out of jail, get my car back and wasted close to a week of my life.
One level 3 tampering with evidence⦠(Claiming that I put the controlled substance in the back seat)
$10,000 and 2-10
The other, possession of a controlled substance, less that a gram level 1â¦.. is a state felony and brings similar time and money
There is a camera in the back of this officerâs car as well as one on the small building at which the incident happenedâ¦
Its all on video, and the lawyers i have talked to have assured me that this is an easy one, âwont be a problemâ and itâs a âno brainerâ.
But given the circumstances leading up to and surrounding these ridiculous legal charges I cannot obtain the services of these lawyers since I am unable to afford what they are asking. Was told if I could bond myself out, then I couldnât have a public defender, and even if that isnât true, I wouldnât want one simply due to the fact that I am not prepared to settle or accept a plea bargain for something that is going to ruin me.
Court is TOMORROW, the 10TH
Like I said⦠this is the most embarrassing and shameful thing I have had to face.
Please help my family and i. This is injust, I am scared, donât know what to do and I cannot take it.
They are asking for 8k, and 1/2 down...
Thursday, may 10... TOMORROW, i will go from a normal, once succesful person who fell on hard times to an animal in a prison cell.
Please please please. I will do whatever it takes to pay you back. Interest, labor, ANYTHING.
Please email asap.
Thanks.
house,jwellry for sale to save life
Posted by shank on 2012-05-06 03:58:47
Officer in Need
Posted by sadpd on 2012-05-01 16:58:22
Officer in Need
Posted by sadpd on 2012-05-01 16:58:21
Officer in Need
Posted by sadpd on 2012-05-01 16:58:20
Help Us Start Over
Posted by openyourheart4me on 2012-04-14 13:58:58
Help Us Start Over
Posted by openyourheart4me on 2012-04-14 13:58:55
One day at a time
Posted by rmoon37 on 2012-04-11 01:58:18
Falling Price Auctions
Posted by Goodcause on 2012-04-09 01:58:05
Please help save my home
Posted by rich7575 on 2012-04-05 17:58:18
Heart Attack
Posted by poppins50 on 2012-04-02 11:58:39
__________Please help me fix my teeth__________
Posted by MariaMaria on 2012-03-21 20:58:28
Please help keep my family from living on the street .
Posted by bebuh7 on 2012-03-18 13:58:02
story shot . My wife my youngest daughter (10) and my youngest son (12) have been living in a family owned apartment
building for 8 years now as the caretakers so rent free before this we lived in another apartment building for 12 years
as caretakers again rent free it is important to note that my wife and i do work as well and we make ok money not great
but we scrape by. The issue(s) are the family member has decided out of the blue with no warning to sell the building out
from under us. This will literlally put us on the street with no where to go see my son has several medical issues and
since we had no rent to pay keeping up with the prescriptions and such was doable some months are tough but we always scrape
by. The fact is we simply cannot afford to move into a rental situation we would be looking at an extra $750 a month minimum
that we simply do not have my job pays well but its all graveyard shift and only 35 hours a week i keep this job so i can be
up with the kids while the wife goes to her job and to run the building do repairs etc its a rough system but it works well
in that we can both work and not have to worry about child care . I have this chance to buy a piece of land about 10 minutes
from the city with a 3 bedroom mobile home on it the property tax is only $1200 a year. I cannot afford to just buy it outright
i would rather not try to finance it as that would give us a monthly bill that we simply can't afford right now i do not expect
to get all the money needed from here but every little bit would help we do have a modest savings account not much but with that
and if some kind souls on here could see there way clear to helping us we may be able to raise enough so i can at least make a
down payment the property owner is very sympathetic to our plight and is willing to work with us if we can come up with a good
down payment he is willing to take lower monthly payments over a longer period of time until it is payed off. My family would
certainly appreciate any help anyone can give us . Thank you for reading .
Steven: An Aspiring Disabled, Student, Veteran, and Divorcee
Posted by youngidealist on 2012-03-05 01:58:00
Thanks for taking the time to read my request. I'm 30 years old, still in college and living with my parents. I've made a lot of great accomplishments in my life with far less support than most people who make it this far. Of course, with that said I've also made plenty of mistakes.
I grew up with a single parent, and another parent who visited annually just to stir up emotions and make my life miserable. When I was 18, I decided to work really hard to lose weight so that I could join the US Air Force. I had a strict plan that I was going to follow to succeed in life.
Unfortunately my superiors in the USAF would not accommodate that plan to independence as they forced me to find my own way from the barracks to work (a 40 mi drive), so I had to immediately struggle to get my drivers licence and I had to buy a car on an Airman's paygrade.
My income wasn't enough to afford the car and gas and other living needs that I was expected to pay, so eventually I had to leave the Air Force before my term was up (under honorable conditions). I tried to work as a civilian. The transfer was tough and I was vastly uninformed about what to do and what my options were. I'm the first first generation college student of my extended family.
After some petty jobs that would each take more than 10 years to be able to earn enough to live independently, I finally found a nice nighttime custodian job that was at least simple enough for that kind of pay. I was the night time custodian, but I was also a guy to have on call at this retirement home where I worked. If people's toilets flooded or a nearly deaf resident left their tv on past quiet hours (once I could hear one through 3 floors!) I was the guy to send up to fix it.
Having my first satisfying job as a civilian, I was able to investigate community college during the day, so eventually I enrolled and tried taking a few classes while working full-time. College was my saving grace. I never felt like I belonged anywhere until I first started to take college courses in math, science, and philosophy. I found the tutoring lounge on campus, made a lot of friends there, and I spent many hours cramming and helping those in need.
This soon led to me finding financial aid, making arrangements with my parents (my mom and my stepfather) to let me go to school full-time while I lived with them, and putting in my 2 weeks notice at work to focus exclusively on school.
My counselors advised that I pick where I want to transfer to and then figure out the details of how to get there after I got accepted. I think this was bad advice. While I ended up choosing to transfer to a university that had my desired major, Biophysics, it was 60 miles away from where my parents lived. My car that I had bought when I was in the Air Force also eventually broke down from not being able to afford maintenance while I worked, and was towed away for being in the public street for too long.
Finally, I got accepted to UC San Diego to work towards a degree in Physics with a specialty in Biophysics. When it came time to transfer, I got as involved as I could on how and when I was supposed to receive the financial aid so that I could go get an apartment and everything, and my school kept telling me, "you should get it tomorrow" until about 2 weeks into my first quarter when I finally got the support.
Despite this rocky start, I managed to get into a good shape for myself, making my way slowly but surely through school. Learning a great deal. Eventually when I felt the struggle was too difficult, I changed my major to Neuroscience before I began my upper division coursework.
So, as I settled into my schooling and struggled with maintaining financial independence on financial aid, I managed to get myself into maintaining a great aquarium hobby, owned two great little kittens from a street cat program, led as president of a student organization for one year, and eventually I got married. I also carefully learned about the stock market and managed to make some great gains with money that I had invested from financial aid savings.
In 2010, my gains were over 100%. That amounted to $2000 doubling itself, but still, that says a lot about me as a trader. However, 6 months into my marriage, she said she wanted out, grabbed the car that we both paid into (most of the money was mine from stocks; $5500 worth), and refused to pay her share of 2 months rent. That happened in December of the year of 2010.
2011 was a difficult year for me. I fought hard to maintain things, especially my head, but it was tough. I lost 45 lbs from exercising regularly, made lots of new friends, and I got some volunteer work experience in a Neuroscience lab. But I just couldn't focus well enough to maintain my finances and my grades, so I had to drop out and live back with my parents.
Despite how tough it's been, not finding work, struggling with the ins and outs of the VA, and just needing a professional therapist to talk to and help me keep my head straight but never being able to get one, I've managed to recuperate well enough and learn a lot more about this bottom floor of society that I've been so desperately trying to escape my whole life.
I've gone looking for opportunity in every direction. I've tried changing my career goals, collecting recyclables, writing online, trying any online scheme that didn't include me forking out money to get it, imagining what I could write as a novel, tried to make money through playing video games, making goal after goal after goal for myself, but still just not being able to get just the right amount of money to put me back on my feet.
I'll be going back to school in April at the risk of having to do it as a homeless person if the VA doesn't pull through for me. They recently approved my 10% service connected disability status and now I need to jump over a few more hurdles to get my more significant service connected disabilities recognized. I'm also seeing what the vocational rehab people can do for me despite the bureaucratic issues that are stopping them from helping me all the way.
BTW, this whole time that I've gone through life with common lower class difficulties, I've been disabled with a number of small conditions that all add up to a hard time. I have lower back issues that the military has yet to own up to. Community college found also that I have a learning disability which makes some intellectual tasks show up as lower than average ability for me while the rest of my intellect is high enough to expect that I could easily get a Masters Degree or a PhD. My biggest difficulty in school is that they don't give me enough time to show them what I know or what I'm capable of.
From working with special needs students as a tutor, I have proven to myself that there is a major problem in the education system. Most teachers never simplify the material into a clear picture of what they want to teach. If you want someone to learn something, the last thing you should be fuzzy on is what it is exactly that you want them to learn. We can't all work like intuitive Jedi or sophisticated parrots.
If you help me out, here is a list of the priorities of what your money will go towards, in order of their priority If you would like to request that I spend your donation on a specific cause, please let me know:
1. A working cheap economic vehicle.
I need something that I can sleep in and that will take me wherever I need to go. Preferably something that can stow quite a few recyclables as well to pay for gas, but not an SUV or truck or van (Unless that's all that is cheap of course. Not likely but you never know.).
I'll aim for great gas mileage, but I'm thinking that I should attend some police car auctions to see what the cheapest deal I can find is. This car would make a great shelter for me while I return to my far away school.
2. Investing on the stock market.
Trust me, I know how to fish. If you want to send me a request for proof I'd be glad to compose some evidence of my finest moments as well as my worst to show you that I can do well for myself on the stock market, even during the recession. What I could really use right now, is a little bait. Trading is good money for me, but to make enough to make gains worth more than the commission cost (about $10), you need about $300-1000 per investment. $300 is more for the high risk lottery plays on the market. I even made a blog about it if you would like to see:
http://www.squidoo.com/TheYoungidealistEconomyBlog
If you are willing, we can arrange something personal so that you wont need to worry about me putting the money you offer at high risk and blow it all. Might even be able to arrange something where I could make money for you to prove myself before accepting your donation. Whatever the case, I know we'd have to make it a personal arrangement to satisfy the current laws.
3. Working towards paying my debts to my friends.
My friends have been really supportive through these hard times, though they are starving students themselves. To keep up my morale they've bought me food, given me a place to crash when they could, and even paid to have me join them at fun local events. I have some money that I've promised them back, and I plan on making due on those promises as soon as possible.
4. Paying off my debts with companies.
I've had times where I couldn't afford to pay for rent and had to leave, like when my wife left me to live with her parents. These issues follow me on my credit score and I would like to work towards removing them so that I can turn my life around.
5. Getting a good start towards paying off my student loans.
I know I won't be able to pay them off before I find a good career with my degree. I would just like to have something to start making some automatic payments with and put that part of my bad credit score behind me as well.
6. Buying a home.
My mom never owned a home. No offense meant to land lords out there, but I really think the rental system is way out of line. My mom was always a hard worker. Way better than me, yet she could never own a home because she didn't have the money. Meanwhile, people with money could live in great big houses for less than she even had to pay.
I want a house to own. Probably start with a condo and seek ways to improve it and flip a profit out of it. Then I want to keep building up money from housing until I can manage to build an apartment building.
If I could, I'd like to make an apartment building near a university that offers cheap housing using the Japanese capsule model or something even more economic and more comfortable.
7. Making an online tutoring site meant to offer free tutoring and tutoring for tips. Imagine a site (I have yet to know of one) where people can collect their resources on a class, much like they collect info on ratemyprofessor.com, but also seek help from others who are taking the class or who have taken the class. Donors like you can offer money to tutors who post their notes and stories on the site, alongside ratings from other students that they helped.
Some tutors can offer their rates for help, sell their notes online for cheap, or just offer their help whenever they can and ask to be tipped through paypal if someone likes their work. My hope is that such a site could help to put an end to sophistry in the college system once and for all, making education easy and affordable for everyone.
8. After I have everything I'm hoping for above, the sky is the limit. But I would prefer to put the extra money that I don't need to good uses. I would spread a little philanthropy around, give to others in need on this site and through other resources.
I'd also look to teach others how to fish. I think a great way for the economy to be fixed would be if philanthropists made some really good employee owned companies. Make the place pay for itself, skim a little off the top, and walk away knowing that you really were a job creator.
I think that everyone who is capable of work and who chooses to work deserves to have their own independent living situation. I know that we are a long way from that, but I tend to be an optimist. I would like to try and make the world a better place, if nothing else.
Aside form financial help, I'm interested in anything else that I could get that's useful. Advice, Neuroscience Career connections, work, hobby or volunteer work that can easily become lucrative, I'm really all ears. Thanks again for taking the time to read my request. I hope you find it in you to help me out, even get to know me if you'd like. Bet you $5000 I can make you laugh. Did I win? >;) it was worth a try anyway.
Someone help us please.
Posted by anne on 2012-02-27 15:58:36
I NEVER LEAVE MY HOME / PLEASE HELP ME SO THAT I MAY HAVE A CHANCE AT LIFE....
Posted by Godlovesme on 2012-02-27 01:58:19
Brother and disabled sister need help fast
Posted by HawkJ26 on 2012-02-11 05:58:02
THREE DAY NOTICE LAST DAY TOMORROW SINGLE MOM HELP!
Posted by ejay on 2012-02-09 18:58:01
I'll keep this part short and simple. My rent is 880 and was due on the 1st. I have a 3 day notice dated 2/7/12 which leaves tomorrow (2/10/12) my last day. Not sure how this site works as far as how anyone notifies me if they can help but I have $100. My tax return has been delayed (till the 17th) and I planned to use it for rent and to move out into a lower rent apartment so I won't be in this situation. Any immediate help would be greatly appreciated.
Thank you,
Young single mom in temporary need...
Need Help Paying For a Dental Implant for 1 Tooth
Posted by zackxxx1 on 2012-02-09 16:58:49
