My dad recently retired and now is looking for a new hobby. Let me rephrase that, my mom is pushing him to find a new hobby. She says he follows her around all day long and she cannot get anything accomplished. Yet now she is a little worried as my dad has started researching a Stock Day Trading System. If he starts playing with their retirement money, I don’t know what she will do. My mom worries a lot, even about things that will never happen. Money is a big deal to her as she thinks they will never have enough. Dad might do better to find something else to fill his time.

It was four years ago next month and I got my first credit card, a day that turned out to be the very first in a long line of ones where I made bad financial decisions. Finally, after I had maxed out my third credit card, and had missed multiple payments on the others, I realize that I had to find a better way to do things. I realize that the damage I was doing to my credit would take a long time to repair, and decided that I had to repair my credit now – or then, as it were. And since then, I’ve worked hard to do so.     

I am considering buying a house to rent out yet I have some questions before I move forward. First and foremost, I want to now if an Investment Property Loan comes with a different interest rate than standard housing loans. Also, will it be necessary to put down a larger down payment to get this type of loan. I’m really concerned that things such as this could make my investment non-profitable so I want to proceed cautiously. Everyone keeps telling me now is the time to get into the market, but I’m just not sure. I may be wary, but it has served me well in the past.

My husband just called from work. He does not use the Internet very often and needs me to find something for a friend of his. They have a few questions about Structured Settlement Annuities and my husband said if anyone could find the answers it would be me. I appreciate his confidence, yet I don’t have the time to be looking up stuff for someone else. I work full time and I do scouts with all three of my kids. This is an addition to helping my husband coach two baseball teams. He needs to think before he volunteers my services. This drives me absolutely crazy.

My daughter works as an office assistant for a group of credit repair attorneys, and she loves her job. She loves being able to help people in a very real way, especially when they have no one else to turn to. Like the client the attorneys in her office helped to get back to her good credit report after her identity had been stolen, but the police didn’t believe her. My daughter loves telling that story, and I think it’s situations like that one that keep her going back to her job day after day. I know that’s why I go back to my job a day after day – to help people!   

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