Question #1:

I got a credit card offer in the mail. Am I already pre-approved for it?

I received a capital one platinum card offer in the mail. They're saying "now is the time to start building my credit". I have no credit history, as far as I know, and I had not been accepted to getting credit cards from them before a little over a year ago. I am 20 years old and will be 21 next year.

Am I already pre-approved for this card? It says I need to apply by october 5th so that's making me think they want to give the card to me? Or is this just a mistake on their part?

Question #2:

joining the fbi - credit history?

would having a bankruptcy in the past year significantly hinder a bilingual with a JD from joining the ranks? (no drug use, no criminal background, physically fit)

Question #3:

Chase Credit Card trying to screw me help!?

Ok I recently received word from Chase that they were lowering my Credit limit on my card because of "severe late payment." However, I downloaded my history from their site and every single month there is record of my automatic payment being made ON TIME! Now it was only about the minimum payment but it was still being paid and on time.

They added hidden fees like protection plans which keep adding up each month on there too which basically cancel out my payments.

I have sent them several messages with the downloaded activity attached. I dont care about the credit limit going down because I am not using the card anymore but I dont want LATE PAYMENTS on my credit report when I made the EVERY payment on time.

Help is appreciated.

Question #4:

Do I have a chance of getting into any of these schools?

Currently I am in my second year at a community college and would like to transfer either Virginia Tech, James Madison University, or Christopher Newport as an English major next fall. Applications are due in a couple months and I am wondering what my chances are.

I had average grades in high school. I had a GPA around a 3.0 and did extracurricular activities like Science and History Club all four years, and Students Against Destructive Decisions for two years.

I was also in Girl Scouts for seven years and did a lot of volunteer work.

My SAT scores weren't that great with a total of 1340.
Math- 420
Reading- 470
Writing- 450

Now I am at a community college and have a GPA of 3.6 and by the time I apply I will have 38 credits and then after the Spring 54 credits.I plan on transferring as a second semester Sophomore. I'm not in any clubs, considering there aren't many to choose from.

If you went/go to any of these schools your opinion would be very helpful.

Question #5:

WHERE is the logic during this economy in my bank not LOWERING my higher commercial interest rate?

I'm confused. We own a large commercial building in which the balloon was due. The building is leased.

We've faithfully paid our mortgage and high commercial interest for 7 years. We have top notch credit, good income, long history of good standing.

As a good customer, I asked them to lower the interest rate.We get a paltry 1/2% lowered rate that is STILL too high and will only save us $50 a month. Whoopee.

"Why?", I ask the bank president. He says "too much risk".

Huh?? They've got seven years of a high interest rate accumulation. It would LOWER their risk by lowering MY monthly burden....wouldn't it??

What is going on??
Do they WANT our building??
What am I missing here?

Question #6:

Are my courses too Arts-Centered if I want to go for a science degree?

Hey :) So I'm Rachael I'm 13 and I started grade 10 today, I'm home schooled, and already have all my courses for grade 11 & 12 planned. Are they too arts centered if I want to go for a science degree after school (hoping to a double major B.A. and B.Sc. and then go on to get a M.Ed.) or is it fairly well rounded?

Grade 9
Biology (9)
Algebra I (9-11)
Modern History (9)
Themes in Literature (9)

Grade 10
Chemistry (10)
Plane Geometry (10-11)
Algebra II (10-11)
Grammar and Composition IV (10)
World Literature (10)
Around the World in 180 Days (9-12)
Bible Doctrines (10)
Vocabulary Spelling Poetry IV (10)
Revelation* (12)

Grade 11
Physics
Grammar and Composition V (11)
English Literature (12)
American Literature (11)
Vocabulary Spelling V (11)
Economics* (12)
Genesis* (12)
Pre-Calculus (12-)

Grade 12
Grammar and Composition VI (12)
Vocabulary (12)
Consumer Mathematics (9-12)
Business Mathematics (10-12)
College Level English (Correspondence with local university)
College Level Biology (Correspondence with local university OR advanced home school curriculum)
College Level Chemistry (advanced Home school curriculum)
oh and the (10-12) kinda stuff is the grade level of each course :)

I've also been taking acting class for 4 years and have been in the Advanced Company for 2 years, and I've been taking singing lessons for 3 years I take official music exams (Royal Conservatory) for theory and singing, and in grade 12 will be taking Music History, and Harmony exams.(they count as fine arts credits for public high school students in my province) and compete in my provincial music festival. also, my dad is a graphic design artist and I do a lot of that, I'm almost at a professional level.
thanks for your help!
xoxo Rachael Marie

Question #7:

Discover student credit card?

would it be stupid for me to build my credit with a discover student credit card? I have no credit history. I have a job. I would only use it for gas. The interest rate is 15%-19%. No annual fees. I would only spend around $100-$200 a month with it. is this a responsible way to build my credit? I'm scared to go into debt.

Question #8:

Co-signing mortgage loan?

My parents want to buy a vacation home in my state.
Dad is retired and mom is employed. They own two homes that are paid off that have a large amount equity in them.

Questions are: Would my parents be able to get a qualify for the mortgage themselves? Or would I need to be the primary borrower and they cosign with me since I make 3x the amount of income my mother makes? Not sure on their credit history since they do not have a single credit card or any outstanding loans. Also, I currently have a mortgage myself. How much would that effect for qualifying on the loan with my parents?

Question #9:

How can I buy a foreclosed home with bad credit?

I've heard this is possible but don't know how to go about doing it. I have a small down payment and not so good credit. But have a great income and and job history. So how can I make this happen? Is it even possible? Thanks
I also have a low debt ratio and about 5 times income for payment. I just need a place now and don't want to rent. I found the perfect house. Great loation, close to work and school. Can I contact the lender for the home or not? Thanks for your help!

Question #10:

School is going really badly right now? What am I doing wrong?

I am taking all honors and an AP class and we are a month and one week in. I have an A in math, language arts, world history AP, spanish 2, and advanced Architecture, but I have an F in my honors chem class! Straight A's and and F!

When i checked the progress report it says I got a 89% on the only test we took, and a 92% and a 94% on the 2 quizzes we took. I do ALL my homework and labs. When i talked to my teacher about it, he said it was not a mistake and that my work was not efficient enough for him and my language and vocabulary was not sophisticated enough so he did not give me any credit for it. And on my labs (2 of them) both are worth 300 points [tests are 100] and he gave me 22 points on one and 112 on the other! I can't do it! I don't know how to fix it! I spend a lot of time on his homework now! About 3 to 4 hours everyday and now we have a research report due. we need 90 pages of research! and 20 pages of the actual report. I've gotten used to staying up 2 days in a row trying to finish, just to not recieve any fricken credit! I hate him!

Apparently, the highest grade in the class right now is a C+. I've never wished I had a C before but now i do.

Question #11:

Pancho Villa makes it to Ring Magazine's A-Z greatest fighters ever, what are your thoughts?

Click Here

Pancho Villa is the second Filipino or Asian boxer to be selected by Ring Magazine in the A-Z greatest fighters in history. The other boxer is Flash Elorde and both Elorde and Villa have been elected to the International Boxing Hall of Fame.

Pancho Villa may not get a lot of love from an American based or western point of view, but boxing fans who has embraced bxoing as global appreciate Pancho Villa. Pancho Villa is ranked in one of the 80 greatest boxers in the last 80 years by Ring Magazine above Thomas Hearns, Sonny Liston, Gene Fullmer, Wilfred Benitez, Oscar De La Hoya, Marcel Cerdan, Mike Tyson, and Azumah Nelson. While in Bert Sugar's 100 greatest fighters in history, Pancho Villa is ranked above Bob Fitzsimmons, Jack Dempsey, Roy Jones Jr., Wilfredo Gomez, Bernard Hopkins, Carlos Ortiz, Aaron Pryor, Salvador Sanchez, and Jersey Joe Walcott.

I am glad the experts have spoken because western boxing fans rarely give credit to Pancho Villa because of the view that most if not all of the greatest boxers in history are from the West. Pancho Villa proved such wrong, the experts have spoken of his greatness regardless of the level of mystery he appears to western and American boxing fans.
@DT, he is not int he top 30 of anyone's list, he is just higher ranked than the boxers mentioned. But Jimmy McLarnin is a cheater anyways who came in overweight for the title bout and Villa also had a 103 degree fever during that bout.

Question #12:

Why do people think our economy should have recovered from one of the worse recessions in history in a year?

"The recession, which began in December 2007, has ended but the nation still faces a long slow recovery, according to economists surveyed by the National Association for Business Economics.More than 80% of respondents to the quarterly NABE survey said they believe an expansion has begun. The survey was released Monday at the Association’s annual meeting here in St. Louis.

“The good news is that this deep and long recession appears to be over, and with improving credit markets, the U.S. economy can return to solid growth next year without worry about rising inflation,” according to Lynn Reaser, chief economist at Point Loma Nazarene University and NABE President-elect.

Even with the recovery, the NABE panel forecast the unemployment rate to increase to 10% in the first quarter of 2010 from the current 9.8% and to edge down to 9.5% by the end of the year." Fox New Business October 12, 2009
Click Here

I did not want to use a source that would be called liberal.

Question #13:

Apple Macbook monthly payments?

I really want a macbook before Apple decides to introduce a new lineup, I'm 19 with no credit history (haven't applied for a credit card yet) so how can I make monthly payments to apple ? PLEASE don't tell me to save my money up or wait, I need a macbook....now.
I'm not a student so the student discount thing isn't an option

Question #14:

My husband hasn't been truly committed and has caused me too much pain?

Honestly I want a separation from him.
Not a divorce, not a marriage, just a basic separation.
I'll try to sum it up.
I knew it was a mistake when I first got married. But I tried to make it better, however, things just kept getting worse.
He has lied to me too many times. He has not financially supported me a lot. He runs from responsibility, procrastinates and can't take the consequences of his actions.
He went UA from the military, lied and told me he wasn't UA, got in trouble with the Navy, and got himself kicked out even though I told him to stay in the military. We almost went hungry a few times and while he was restricted to his ship, if it wasn't for a local church, I would've gone hungry.
He hurts me so much emotionally, but tries and tries again to turn it all back and blame me. We went to counseling sessions at three different churches already and it seemed as if it did nothing.
So let's fast forward to the other day, there's a woman who used to be at his new job and I asked him a simple question about him being on the phone with her and he immediately snapped at me, so I knew something was wrong. He gets into a car with this same woman when he told me he'd be home in 20 mins, I tried calling him and he didn't pick up his phone and texted me later only to become more defensive when I only asked him why didn't he just tell me what was going on. I saw in my computer history that he was watching pornography, then when I confronted him about it, he denied it, then even tried to blame my sister. He finally admitted to it later on, saying that God doesn't really relieve his stress, and that I only temporarily relieve his stress. So apparently, a girl in front of a camera relieves his stress. And this wasn't the first time I caught him watching porn!!!
Since then I've been having so many sleepless nights and stress. I'm glad church is coming up, I can use some encouragement. But I told him I wanted to separate. He told me he didn't want to.
But I see his pattern: He tells me over and over he wants to be married, then, he shows me the opposite, then he comes back later with a heartfelt apology and even more promises that he'll never hurt me, then, a few days/weeks, later he does the same nonsense to me and hurts me again and again. I'm so tired and sick of the trend.
Am I so wrong for wanting a separation? I do love him but he needs to figure out if he really loves me because I'm tired of his mouth, especially when his actions are the total opposite.
I guess I feel sad because I feel like I married the wrong person because I didn't wait on God. I also feel sad because I do love him and that's why it hurts me so much. I've just wanted to run to him and tell him everything, but I can't, and that hurts.
I can't trust a man who was a liar ever since I first met him and now one year and a month into our marriage still is a liar. We read the Bible, we go to church, we try and do what we can but I still have to put up with the same nonsense. :( I feel like I lost my independence, can't sleep at night, headache city, he ruined my credit, broke my trust, backstabbed me, blamed me for nonsense HE did and ruined my chance of ever feeling loved by another man!
There's a saying I've heard, "Fool me once shame on u, fool me again shame on me."
And he's fooled me way too many times and I kept taking him back. Why? Because I would see him as a sweet guy from the midwest who I did marry and so I had to follow that obligation.
Yes, I have trusted God, and things have gone smoothly, but when he keeps doing the same big mistakes over and over, it gets old.
So now we're living with my parents because HE can't financially support me. And he has a job now but that doesn't mean anything.
I need to get out of my parent's house. I want to be away from him, I want to be away from my parents, mostly my dad. No one wants to hear "The devil has been attacking you ever since you were a baby" nonsense and "God showed me to get a life insurance policy on you" and "You're going to hell because you accidentally missed church"
And no one wants an over protective mom, trust me.
It sucks because they're blaming me for being hurt. My dad keeps telling me that he doesn't want to see any tears coming to my eyes. Oh yeah, I'm supposed to be SO strong in a horrible situation like this. Just go ahead and make me feel guilty.
I feel like moving all the way across the country and just being alone because I honestly feel like the cursed child of the beyond that non one cares about.
Why do I feel guilty for wanting a separation? I want to take him back, but the whole purpose of the separation is so he can go away and really figure out who he is.
Isn't this a situation where separation is necessary?
Since we have a few little financial things to take care of, he can't move out yet and neither can I. But in about a month, we can move. He's claiming that he does love me, he just needs to know how to love me. We chatted for a little bit today and then later on he said he wanted to sleep in the same bed as me, so he did (we've been sleeping in separate beds ever since the porno incident), but I had trouble sleeping and realized I really don't want to sleep in the same bed as him. Is that so wrong? Why do I feel guilty?
I just need to get away. :( I want to grow closer to God, I really do, and we did some Bible reading today, but I'm just so hurt by everything he's done to me and I want him to be sure he loves me. Once he gets his full relationship with God, then he will be able to love me.
It sucks because I know I'm attractive and have a nice figure but yet he wants me to wear heavy make up and pretty skimpy clothes just so he won't lust after other girls, it's like I can't be myself and makes me wonder why did he marry me if all he was going to do was do all these horrible things to me?
And why do I feel so guilty?
Now he's in apology mode and is claiming that he'll really change this time, with tears coming to his eyes but I've heard it all before, it's nothing new... His apologies, then he hurts me again shortly after.
I'm just severely hurt and I need the Lord to take this pain.
Right now, my focus is: God- Bible, church, Me- college (Eventually work so I can move out on my own without him or anyone else).
I'm trying to stay busy and hold on to things that are positive because I can feel myself slip into a small depression and my true personality is very bubbily and I normally smile a lot so the last thing I need to be is depressed.

I'm so sorry this is so long.

Question #15:

culturally speaking..white people how would you react if...?

enough dna was gathered from the ancient egyptians mummies and it turned out they were all black ? would you have a hissy fit ? go on a anger spree or would you just kill yourselves ? because we whites always want to discredit ancient black civilizations and try to take credit for it ourselves. We whites had nothing to do with ancient egypt because we descend from a race of colored people who were genetic mutated some 6,000 yrs ago. with that being said and ancient egypt's history was 5,000 yrs ago and white skin didn't start surfacing until another 1,000 yrs ahead of this doesn't that mean that the ancient egyptians weren't white ? even the hieroglyphics showed colored people and arabs didn't settle into egypt until after the whole ancient egypt came to its end.
@allie black people invented the a.c,lawnmower,stove,doorknob,auto light switch and many more inventions shall i continue ?

Question #16:

Is it realistic to think this country sould have recoved from this past recession in less than a year?

It was one of the worse reseccision in our history.

"The recession, which began in December 2007, has ended but the nation still faces a long slow recovery, according to economists surveyed by the National Association for Business Economics.More than 80% of respondents to the quarterly NABE survey said they believe an expansion has begun. The survey was released Monday at the Association’s annual meeting here in St. Louis.

“The good news is that this deep and long recession appears to be over, and with improving credit markets, the U.S. economy can return to solid growth next year without worry about rising inflation,” according to Lynn Reaser, chief economist at Point Loma Nazarene University and NABE President-elect.

Even with the recovery, the NABE panel forecast the unemployment rate to increase to 10% in the first quarter of 2010 from the current 9.8% and to edge down to 9.5% by the end of the year." Fox New Business October 12, 2009
Click Here

I did not want to use a source that would be called liberal.

Question #17:

What can I do to get into the University of St. Andrews?

I'm an American and a junior in high school. For the past year and a half, I have been seriously considering the University of St. Andrews, and I really, really want to go there, and hopefully get the Ransome Scholarship (the full one; I think there's only one per year: Click Here ).

I have a 4.0 GPA (unweighted), and am in a leadership club at school and SOS (Christian group). What other extracurriculars should I take? I'm taking three dual college credit classes, but I know the college credit won't transfer over (not that I care that much). Will those classes be considered AP classes or IB classes maybe? I also took the ACT for the first time in June. I got a 26 composite score (31 English, 22 Math, 28 Reading, and 24 Math). I know I need AT LEAST a 28 to get in, but I'm sure I can make that at the bare minimum.

I really want to go. I know International Relations is the most common subject for International students to apply for, but I'm applying for either history or English.

What is the University of St. Andrews looking for in prospective students?

Question #18:

would the bank refinance my car?

I have paid off one years worth of my vehicle and have never been late on anything, ever, on my credit history for any bill. I have had some medical problems so I am hurting for cash. I can come up with the car payment however I am in debt because of the medical bills. I have my loan though Security Service Federal Credit Union and they do a lot of car loans. I have a 7.7 and owe about 20,000 on it. Do you think with my credit history, the fact that I have one car already paid for, my medical expenses that they would ease up on me for the interest rate. My argument is that it is better for them to help me with a lower rate, than not get paid at all and have me default. What is your opinion. However do not say that I should have thought about this before me signing my contract because I am still willing to full fill my obligation. I would sell everything I own before I go back on my word. I just did not plan on me loosing my eye sight and needing four surgeries and still more to come at the age of 22...
Website is useless... When I click on link it takes me to either credit car applications or mortgage applications.. thanks anyhow
I have 61 months left on the loan at a 7.7% interest rate. Should I go in with medical bills So I can prove to them I am hurting. I am not asking for a 1% int. rate. I would just like to go down to a 6.5% if thats possible because that would drop my payment from 377.92 to prob 340.00 or something.

Question #19:

Can I finance a car that is $8995 with 3k down, my credit score of 550 Transunion and 611 Equifax?

I am looking a get a car in the next 3 weeks. The price is $8995. I have $3000 to put down. So basically I need to finance $5995 plus tax and fees.

I work full time. Same field of work as the last year and a half but a new company as of 8 weeks ago. But my work history is stable I have a continuous work the past 3 years.

I have a potential co-signer as well. If needed. Their credit is not great, maybe the in the low 600's but they are willing to co-sign. They also currently work full time. They have not been at their job long so IDK how this will affect my chances.

I have no one else to co-sign so I am hoping I have enough to get it on my own but they are willing to help.

Does this sound like enough to get this car??? I am just looking for profession opinions or anyone in a similar type situation. Thank you!!
Working income I make about 1500 a month but I also have additional income, $1660 a month from school, as child support from back pay from my father of 500 a month. So total a month I $3600 a month. Rent wise I pay 700 a month and that is my only bill.

Question #20:

How do you get hired again if I worked about 12 jobs and quit no call no show?

I'm 22 and I am having trouble getting a job now due to my employment history when i was younger.. I have matured alot and I went back to school to get my pharmacy tech license. I had five job offers and I got denied for all of them because on 3 I lied on my resume and for the other 2 because I told the truth.. I am very angry and I feel like I have nothing to live for...Im in a lose lose situation either if I tell the truth or lie...I am looking to work long term and make a living for myself I have learned from what I did and I have suffered the consequences too long but ..I have no felony's misdm, no drugs and credit is fair.. what should I do to get a job??





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