Plain Finance

Hi everyone, any advice on this would be much appreciated. I’ve just recently turned 21, i got a 5k loan out at 19 and kept up with the repayments until 6 month ago was jobless so a bit behind but i hope to get bk up to date soon, i also got a tv and laptop on finance which i also fell behind with the repayments when i lost my job. I’m hoping in maybe a yr n half or so to look for a mortgage as the house me and my partner with our kids are in which we private rent is the dream house for us, and the landlord is looking to sell in maybe a yr Does any one know how to go about trying to get a mortgage with the bad credit i must have, also being so young. Thanks

Please help. I’m a 31 year old adult daughter of a psychriatically ill 68 year old mum. I dont have any siblings. My dad and her have a bad relationship in that she mentally abuses him, so he leaves her house at 10am every morning and does not come back until 8 or 9pm at night, he has his own place a half hours drive away. She is cared for in every practical way, financially, clothes wise, food and has her own independance and car. Her mental illnesses manifests itself in separation anxiety and a 100% lock solid idea in her head idea that my role is to give up my life and my boyfriend (who i live with for 8 years) for her, and she drives this home to me every time i meet her. She doesnt like my boyfriend and has bad mouthed him to people and i cannot bring him home to her house (where i go every 3 weeks and xmas, easter and any other special holidays..i have to be separated from my partner). She has fought and said nasty things to her family (brothers and sisters) and now they all exclude her from family events..so she has no one. She soemtimes turns up at family events and then they ring me and tell me the nasty things she said or done even though i cannot control where she goes. that has lead to me cutting those aunts and uncles out too…as they have never been a support to me only to tell me how nasty she behaves. One aunt rings me up and tells me word for word the nasty things shes said about me and to her and then tells me not to repeat it as shes doesnt want to get ate by her. This leaves me so upset. My dad says i should do more aswell, although i do all i can with her. I’ve spoken to her doctors and nurses and they say she is just dfficult and wil not change and she is under their care. She tries to control me and people just tell me i’m an adult and to stand up to her wickedness, but i feel shes acting out of desperation and i dont want to upset her more. My dad then also says i’m not to stand up to her and make his life more difficult. He says hes the one dealing with her dailly while i live 60 miles away, so he thinks i should be doing more. Shes coming to me for the weekend and my skin is so bad…please help me.. She even gets so far as accident and emmergecny and gets checked out over and over again in attention seeking behaviour taht keeps everyone worried. Please help
ALSO SHE HAS ACTUALLY BOOKED HERSELF INTO A PRIVATE NURSING HOME FOR THE PAST 4 NIGHTS AND MY DAD HAS PAID FOR IT BUT HAS SORT OF INFERRED THAT IF SHE WANTS TO STAY LONGER I SHOULD COUGH UP TOO. I’M STRUGGLING FINANCIALLY MYSELF AND SHE HAS THE FINANCE HERSELF IF SHE WISHED TO COVER IT…..

i’ve just spoken to her now and she tells me that she has no change of clothes that she went straight to the nursing home from A & E without any clothes althoug her and my father could have drove 6km by her house to collect a change of clothes knowing she was booking herself in to this home for a few nights. Shes told me this and now I am so upset, knowing my mam is in there with no change of clothes. Also my aunt will probably ring me feeling sorry for her, and almost inferring i should come 90km and organise it for my mum if she wants to stay more nights in the home. I know this is all manipulation but am i strong enough for this pressure.

My dad has his own place and keeps it in a state and although i go there and try to clean it, and i could organise help to do so , he will not allow it, he says he doesnt want strangers in his house, yet i’m worried about the way they live…

JUST TO CONFIRM, SHE IS UNDER PSYCHRIATIC CARE, HAS A DAY CENTRE TO VISIT, HAS HER MEDICATION BLISTER PACKED, HAS A GOOD NURSE AND DOCTOR TO VISIT AND A MENTAL HEALTH NURSE WHO CALLS TO HER SO SHE IS IN THE SYSTEM, HAS A HOMEHELP WHO CALLS ONCE PER WEEK, MUM IS 100% MOBILE AND PHYSCIALLY FIT, AND SHE DRIVES HER OWN CAR
Please answer:
1) What is my moral and legal responsibilty to her?
2) Why do relatives not help and always try to push her onto me, give no practical help at all and tell me the nasty things?

Please help. I’m a 31 year old adult daughter of a psychriatically ill 68 year old mum. I dont have any siblings. My dad and her have a bad relationship in that she mentally abuses him, so he leaves her house at 10am every morning and does not come back until 8 or 9pm at night, he has his own place a half hours drive away. She is cared for in every practical way, financially, clothes wise, food and has her own independance and car. Her mental illnesses manifests itself in separation anxiety and a 100% lock solid idea in her head idea that my role is to give up my life and my boyfriend (who i live with for 8 years) for her, and she drives this home to me every time i meet her. She doesnt like my boyfriend and has bad mouthed him to people and i cannot bring him home to her house (where i go every 3 weeks and xmas, easter and any other special holidays..i have to be separated from my partner). She has fought and said nasty things to her family (brothers and sisters) and now they all exclude her from family events..so she has no one. She soemtimes turns up at family events and then they ring me and tell me the nasty things she said or done even though i cannot control where she goes. that has lead to me cutting those aunts and uncles out too…as they have never been a support to me only to tell me how nasty she behaves. One aunt rings me up and tells me word for word the nasty things shes said about me and to her and then tells me not to repeat it as shes doesnt want to get ate by her. This leaves me so upset. My dad says i should do more aswell, although i do all i can with her. I’ve spoken to her doctors and nurses and they say she is just dfficult and wil not change and she is under their care. She tries to control me and people just tell me i’m an adult and to stand up to her wickedness, but i feel shes acting out of desperation and i dont want to upset her more. My dad then also says i’m not to stand up to her and make his life more difficult. He says hes the one dealing with her dailly while i live 60 miles away, so he thinks i should be doing more. Shes coming to me for the weekend and my skin is so bad…please help me.. She even gets so far as accident and emmergecny and gets checked out over and over again in attention seeking behaviour taht keeps everyone worried. Please help
ALSO SHE HAS ACTUALLY BOOKED HERSELF INTO A PRIVATE NURSING HOME FOR THE PAST 4 NIGHTS AND MY DAD HAS PAID FOR IT BUT HAS SORT OF INFERRED THAT IF SHE WANTS TO STAY LONGER I SHOULD COUGH UP TOO. I’M STRUGGLING FINANCIALLY MYSELF AND SHE HAS THE FINANCE HERSELF IF SHE WISHED TO COVER IT…..

i’ve just spoken to her now and she tells me that she has no change of clothes that she went straight to the nursing home from A & E without any clothes althoug her and my father could have drove 6km by her house to collect a change of clothes knowing she was booking herself in to this home for a few nights. Shes told me this and now I am so upset, knowing my mam is in there with no change of clothes. Also my aunt will probably ring me feeling sorry for her, and almost inferring i should come 90km and organise it for my mum if she wants to stay more nights in the home. I know this is all manipulation but am i strong enough for this pressure.

I left uni with a 2:2 in economics.

I worked for 2 years as a financial adviser.

I then joined a private equity firm, and was assistant manager on a Venture Capital fund. After 4 years I left and wanted to try running a real business rather than just pushing spreadsheets and going to meetings, so I setup a small printing and design company.

I am now selling this business and need to find a new line of work. Trouble is I’m at a loss as to what I could/should do next. I have good analytical financial and managerial skills. I am also a self starter with a solid career and entrepreneurial history. Beyond that I don’t really have any special skills as such.

I would normally look for another job in finance, but with the City in the state it’s in at the moment I think that’s unlikely. Also I am quite open to moving out of London since my wife and I might like to start a family but would prefer to be in a ‘greener’ part of the world for that.

I would ideally be aiming for a job around £40k, but would drop for the right opportunity if the career path was there to rebuild up again.

Any suggestions would be welcome, as I’m not sure where to start looking.

In a hard hitting new year’s message to the Conservative Party on Friday, GMB union general secretary Paul Kenny condemned David Cameron for letting the people of Britain down after the Tory leader accused new Labour of having "lost its moral compass."

http://www.morningstaronline.co.uk/index.php/news/britain/cameron_s_new_year_message_lacking_insight_and_morality

However, Mr Kenny said that Mr Cameron had a lack of a clear-sighted analysis of where Britain’s problems stem from.
"David Cameron is wrong that private households being over-borrowed is the cause of our economic problems," he said.
"He utterly fails to recognise that most of the excess borrowing has been undertaken by banks, private equity companies and hedge funds and not by households and non-financial companies.
"He also fails to recognise the massive damage to the economy caused by speculation in oil and commodities during 2008.
"Why does David Cameron not ask his shadow cabinet members, who moonlight in the City as well as doing their day jobs? They will put him right on this. The UK can not afford to elect a government whose leader seems not to understand the dynamics of contemporary finance capitalism and the utter need to rein it in to the benefit of all of us. GMB members are braced for more bad news when most businesses reopen on Monday Jan 5."

I am a possible future pilot that is quite confused about the licensing and cost of gaining these licenses. I have heard of the main licenses – private pilot license (PPL), commercial pilot license (CPL) and airline transport pilot license (ATPL) – and some of the ‘sub’ licenses, night time flying (PPL), instrument rate (PPL), frozen ATPL and type-rated. Now basically what I want to know is the minium requirement for a co-pilot on a commercial airliner (lets say B737), in regard to licensing, path towards it with instrutment rating and the like. As well as this, I would like to know about the financing for it. From what I know you have to pay for your own PPL and can get sponsorship for the type-rate but the rest are basically blanks. However, I also understand that with with sponsorship I would need to pay them back. A list of airlines that are good with sponsorship would be extremly helpful.

PS. I would also like to know about helpful courses to do in university to help towards this career (at the moment I am thinking something like computing as this will be my ‘fall back’ career path).

Is lex car finance making redundancies as its part of hbos!?
li read in the newspaper that lloyds are trying to sell it to a private buyer what will this mean for the employees does any one know

the episodes are:

series 8:
Ring Dem Bells
When You’ve Got To Go
Is There Honey Still For Tea?
Come In, Your Time Is Up
High Finance
The Face On The Poster
My Brother And I
The Love Of Three Oranges

Series 9:
Wake Up Walmington
The Making Of Private Pike
Knights Of Madness
The Miser’s Hoard
Number Engaged
Never Too Old

From: Mr. Soloman Ngema

Phone:+27-781770031

E-mail: solomanngema@yahoo.it

Dear Partner,

First, I must solicit your confidence in this transaction. I am a high
placed official working with Department of Finance (& Economic Affairs),
in Cape Town South Africa. I and two other colleagues are currently in
need of a silent foreign partner whose identity we can use to transfer the
sum of (USD,000,000.00)Twenty One Million U.S. dollars. This
fund accrued legitimately to us as commission from foreign contracts,
through our private connections.

The fund is presently waiting to be remitted from ABSA bank here in South
Africa to any overseas beneficiary confirmed by us as associate/receiver.
By virtue of our positions as civil servants in my country, we cannot
acquire this money in our names. Because as high placed civil servants, we
are not allowed by the civil service code of conduct to own or operate bank
accounts outside of our shores. On the other hand, it is not safe for us
to keep the money here due to unstable political environment. I have been
mandated as a matter of trust by my colleagues, to look for an overseas
silent partner who could work with us to facilitate transfer of this fund
for our mutual benefit, hence the reason for this email. What I am requesting from you
is:(1) to be our silent partner and receive the funds as the sole
benefactor to the contract amount which we shall secure all legal
documentation to authenticate our claim. (2) Provide a private telephone
and fax number for easy communication under your control. (3)Receive the funds as the
beneficiary; take out your commission and keep the rest of the money until
I arrive there to meet you after the transfer is completed.

My proposal is that after you receive the funds, it would be shared as
follows: (1) 15% to you as commission for your co-operation and assistance
in facilitating the transfer, while the remaining 85% belongs to me and
two colleagues. You will be free to take out your commission immediately
after the money hits your country. Since our objective is to invest the
money in a foreign country, it would be appreciated if you could also help us with advices and direction on investing into profitable ventures in your country.

However, this is optional, and if it is not convenient for you to further
assist us with investing the money, we can end our cooperation after you
make available to me our part of the money. The transaction, although
discrete, is legitimate and the money will be transferred successful with
all necessary back-up official documents showing legitimate source/origin
of fund. The transfer will be affected within a period not longer than two
weeks as soon as we reach an agreement and you furnish me with a suitable
response indicating your interest for processing the transfer. I plead
with you on one issue, whether you are interested or not, kindly do not
expose this information to any one else.

I confirm that the transaction is legitimate and without any risks either
to us or yourself. Please, give me your response immediately by return
mail through my alternative email address: solomanngema@yahoo.it

Yours Faithfully,

Mr. Soloman Ngema
even my horse is laughing..
Trust me chicababe231..my pc..is safe..lol
I just emailed them back usin dif pc and email address.
Can’t repeat what I said here but my horse has fainted…