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January 16, 2004Answers:
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advice~gurl
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I have a lot of debt (long story) including some that are now on my credit report. I am near bankruptcy, although I am not seriously considering it at this time.
I was wondering, if I had extra money to pay off debts, which should come first?
Current credit card debts - because the average interest is about 20%
Student loans - although the interest is low (around 5%) this can never be included in bankruptcy.
Car loans - although the interest is lower than credit cards, your car can be reposessed and a car is essential if you want to be employed.
Bad debts on the credit report - they have given up trying to get me to pay. If I pay these, my credit rating will improve, but at this point there is probably not much advantage.
Save money instead of paying debets - I can see saving for an emergency, but I think there is not much point in this situation.
I would pay of the car, then the credit cards, then the 'bad loans' then the student loan in that order. Then save as much as you can.
Also, you could put maybe a couple of $[or £]s away each month into an ISA or similar hight interest savings account, as it can soon mount up.
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As always, feel free to contact me if you need to talk.
What are everybodys (And I know some of you have to have been through this) results of still liking an ex after you broke up?
Umm, it was difficult for a while, we avoided each other like the plague. Then we both went to Uni, seperat, and I sent this stupidly long e-mail asking if we could still be mates, and if he hated me, well i guess I could live with that. He responded telling me he didn't hate me, and that everything was fine between us, and now we are best of buds.
We were mates before dating, and we have returned to each other as mates, but better mates IMO.
This is just what happened with me. I realise I was lucky, and things don't always turn out this good. But this is my experince.
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As always, feel free to contact me if you need to talk.
Hi, Jollylollipop! I LOVE your name! Anyways, I need some help: I really want to earn money, but I am not 12 yet to babysit. What should I do? I REALLY want money!
Signed,
Money Hungry
I wopuld offer to do extra chores for your perents and other relatives, on the condition they 'up' your pocket money depending on the omount of work you do.
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As always, feel free to contact me if you need to talk.
I AM CURRENTLY DATING A GUY THAT IS IN LUV WITH ME. I DONT KNOW IF I LUV HIM, I FEEL WEIRD AROUND HIM. IN A GOOD WAY. ITS LIKE NUTHING ELSE MATTERS. HE SAYS HE LUVS ME MORE AND MORE EVERY DAY... AM I IN LUV??
Heh, it sounds like the beginings of love to me. IMO, true love is when you would willingly scarifice your life for that person, and you feel empty and desolate when they are not around, and you could never imagin you life with out them. So, you have the beginings of love brewing inside you I would say. :D
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As always, feel free to contact me if you need to talk.
what do you do when u fall for you best friend? i know it sounds like the CLASSIC relationship question.. but i really dont know what to do! i have been best friends with this guy for 3 months.. that mite not sound like a long time... but we have grown really close in that time! i like him as more than a friend now and when he starts to talk about who i like... i dont know what to say! he says im shy.. and well i agree.. lol cause im not the foward type to just come out and tell someone that i like them... i dont want to ruin our friend ship by telling him how i feel, but what if he likes me 2 and he wants me to make the first move?? please someone help me..
I would write him a note, patiently explaining your feelings, and asking what he feels for you. Or if you are even shyer than that, ask him hypotheticaly:
You: hey *name. Umm, I was wondering, what would you do if i said i really liked you? and I mean really *really* like, as in i would like to be *really* good freinds with you.
Hopefully he will get the message, but some boys can be quite dense, so you may end up having to beat him over the head with the notion :)
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As always, feel free to contact me if you need to talk.
ewwww.......I am constantly spitting out green mucus in a styrofoam cup as we speak...any thing that will get rid of it? Help! its so gross...
First off, do you have a chesty cough, or asthma? Do you have a cold? If the answer to any of those was 'yes', I suggest you get yourself to a doctor. You may have a chest or nasle infection which you can be given antibiotics for. In the mean time take a decongestant like mucron or sinutab [warning , these also contain parectimol], and keep some tissue at hand.
Hope you get better soon :)
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As always, feel free to contact me if you need to talk.
I hope someone will be able to help me with this.
I was sitting in the food-court here at school the other day, talking to a few of my classmates, when suddenly one of them formed his hand into a walking dinosaur-type creature with a long neck. It plodded across the table to my plate and proceeded to stick its face into my sandwich. I was extremely freaked out. It had four legs and moved pretty awkwardly. One of my other friends tried her hand at it and produced a graceful one that skittered across the table and fell into her lap.
I have never seen this before and am one of those people who is easily amused by little tricks, but this one was rather awesome. Do you know what this is, or what it's for? My friend only said simply, "you've never seen this before??"
I'm afraid to try it myself.
My god! Its a mow!!! Who are you? Where do you live? You must promote the population of this magnificent creature in your part of the world! *swoons*
*regains composure* Ahem, sorry. Have you and your mates been perusing my site perchance? I really must get some more pics...
The mow is nothing to be feared, and is perfectly harmless unless it mating season, then they can get annoying as they try to hump everything in sight.
But whatch out for the Maw, the Maw is dangerious to the extream, but fortunaly has only been spotted in one area of Liverpool, UK.
Is it wrong to copy software to your computer that you don't pay for?
It depends. Is the softwear availible under the open source licese? That is usally free, but prodcuts like microsoft ones it is illegal and you can be taken to court for piracy and copyright infringment. That is if you get caught. Also many comercial softwear has things to stop the product working if it is used by anyone other than the one who payed for it.
This is going to sound dumb, but how do you put your four-ways (lights) on in a car? (Does each car have a different setting for that?) I checked my car's manual and can't seem to find any information regarding them.
Hazard warning lights are activated by a little button somewhere on the dash bord or 'control center' in your car. The button is usally red, with a triangula symbol on it. If you don't have one, you should invest in a reflective emergancy triange.
My friend is always telling me how great it is to have her own car, she is saying things like, 'he really got it on in the back seat!' Well, the other day I got into the backseat but I couldn't find the ignition. Now, I'm only sixteen and she is seventeen, so is it something you learn in senior year? When I asked her that she said that it is something you learn on the street, well, how do you get the car to get it on in the back seat?
Horny Car
I think you are either taking the piss or your mate was talking about sex. Sex should preferably be performed with someone you love when you are ready, and NOT in the back seat of a car.
Ever since I was a little kid, I've been terrified to leave my house for fear of spontaneous combustion. Is this normal?
No. This may be simply an irrational fear, those are very hard to get over. But this might also be the result of a child hood traumer. I suggest talking to some fort of proffesional and getting help. I belive you can make home apointments with some.
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As always, feel free to contact me if you need to talk.
I often feel really lonely. Most of my friends have changed, and I don't know who are my real friends anymore. Some of my friends became really snobbish since they entered college.. And they act much differently towards me. It's like I annoy them, like i'm not cool enough. Also none of them ever have time for me.. Sometimes, I tell them to invite me when they do things together, yet they never even think of me.
Since two years, I also met a really nice guy named Kevin. He really is my best friend, but since a few months he's been completely ignoring me. He is always talking to his online girlfriend. When he can't talk to her he calls me and complains how boring things are without her. I feel like I'm a "last resort" thing to him.
How can I know who's my real friend and who isn't?
I guess when it comes down to it, you can't. But my opinion of a good friend is some one who is honest and loyal to you, who loves you with out condition and is not judgemental of things you do, and who expects no less from you. A true mate should be someone whom you are comfortable with. I.e. some one who you can gossip, and talk to about anything, who you can share a bed with [if the occasion demands] and not feel awckward, some one who wont mind if you turn up on their dorstep at 1am in tears, someone who you can walk around in your underwear in front of them and they won't be offened, and you feel comfortable.
True freinds are difficult to come by, so good luck, and don't be to dissapointed if not everyone you befreind isn't a true mate. *hug*
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As always, feel free to contact me if you need to talk.
Well basically I'm really out of shape. I don't play any sports i don't take dance classes or things like that. And i would like to stay in shape even though it's really hard for me. Does any body know any excersises that i could do over a couple of minutes to keep me in shape?
Well, I do warm up excersises each night, and mornings sometimes. They are basically straching excerises, that you hold for a count of ten. The key with excerising is to build it up. Perhap only do them at night, and hold for 8 counts, then once you feel you are ready advance to doing it morning and night and holding for count of 10, and then perhaps doing others like a few push-ups or star jumps. Always rember to warm up though! When you feel confident you could try joining a gym or going for a run. Excersie in this way is more enjoyable if you have an excersise buddy.
I would also recomend lovering your claorie intake and eating more freash fruit and vegtables. This site has some very useful information on calories and excerises.
Good Luck :D
I'm about as butch as the next girl. I don't shave anything, I hate make up, I have a mean left hook, I don't take any crap on the street. My husband is a sweetheart, I found a rare gem in him, but his bull dyke best friend hates me. I have tried EVERYTHING to befriend her. I have tried ignoring her, I don't know what else to do. She HATES me. She tells total strangers what a seething bitch I am (well, I am) and she has tried to break us up many times. She has even threatened me with physical violence. I don't tell him who to be friends with or not, but she just won't let up. It's making him take a 2nd look at his friendship with her, and I'm afraid he's going to leave her behind. What can I do? I think she may be jealous of me. Does she want him, or me, or both of us. She has a history of sleeping with his other girlfriends, but I'm not bi. I'm letting him sort this one out for himself, but I feel kinda bad about it.
Violet
Umm, so what do you want? advice? support? I think you are right in letting him handle it, but let him know that you are there if he needs you. Some pairing of people are just impossible. If she refuses all your overtures of freindship and it is interferring with your marriage, then maybe you will have to leave her in the dust.
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As always, feel free to contact me if you need to talk.
My friend hasn't been doing her homework and she has 6 zeros in the grade book. I'm afraid she is going to fail. What to do?
Well you can talk to her, and ask her if anything is wrong, why isn't she doing her work etc. Once you know the core of her problem, then you should talk to her teachers about it.
But be careful that you don't come across as if you are lecturing her, make sure she knows that you are worried, and you want to help. Try to be her friend, not her mother/ father.
If it is somthing you are particualy good at, offer to tuor her.
what do you do when u fall for you best friend? i know it sounds like the CLASSIC relationship question.. but i really dont know what to do! i have been best friends with this guy for 3 months.. that mite not sound like a long time... but we have grown really close in that time! i like him as more than a friend now and when he starts to talk about who i like... i dont know what to say! he says im shy.. and well i agree.. lol cause im not the foward type to just come out and tell someone that i like them... i dont want to ruin our friend ship by telling him how i feel, but what if he likes me 2 and he wants me to make the first move?? please someone help me..
I would write him a note, patiently explaining your feelings, and asking what he feels for you. Or if you are even shyer than that, ask him hypotheticaly:
You: hey *name. Umm, I was wondering, what would you do if i said i really liked you? and I mean really *really* like, as in i would like to be *really* good freinds with you.
Hopefully he will get the message, but some boys can be quite dense, so you may end up having to beat him over the head with the notion :)
What does everyone here do to become a better writer? I want to be a writer when I grow up and I want to know if there are any writing excercises to become a better one. I know reading helps...but I'm just always in a writers block because all my writing is the same and it gets frustrating.
Know any way to improve my writing?
Anything...even if you think it sounds stupid.
Thanks! :)
My personal approch to ditching writers block:
Have a long shower, Play some relaxing music, put burn some sented candles oil or incense, and meditae for a while. I find I have to be totaly relaxed to let the words flow.
I have heard that whilst not in the blocking zone, one should write a little every day, but I'm not sure if this works. You should certainly read more of your chosen genre.
Yes there are excersise one can do, they inclde things like describing somthing very simple and everyday, and making it sound amazing, or going to a park and writing a chaercter profile, or a little bit of story anout random people you see.
There are planty of books and websites that have more of these sorts of excersises, I suggest you head down to you local libary or book store.
which church is the best church 2 go 2? how do i pick a church thats rite 4 me?
Are we talking church as in organised religion or church as in the physical structure?
If in the relgion, I would study the text pertaing to that religion and read what thy belive, what they do, how they do it, and ask yourself if you belive this as well.
If in terms of the phsyical structure, then look around for a church, thats not to far away that is of your denomination. Also sit in on a few of their services and see if you like the preatcher. Maybe ask if they have any clubs for younger mebers or the church.
I have a friend who's about to be initiated into Wicca. I know what Wicca's about, and that's mainly why I've been hoping he wouldn't. He's getting initiated on Saturday, and I'm really worried. Is there anything I can do to talk him out of it in five days?!?
One, its not really your place to decide what relgion he should be. Why don't you want him to become wiccan. Witch craft and wicca aren't the same, and if you know about wicca, then you will know that even if he were to progress to being a witch, they have, for want of a better trem, laws against harming others throught witchcraf. Or maybe is it becuse you are a christan and don't want him to go to hell for being a pagan?
My boyfriend calls himself a Christian but doesn't go to church. I'm not a religious fanatic or anything, actually I'm pretty liberal and my church is too, but he's still really reluctant to go to church with me. He seems to really dislike organized religion. I understand where he's coming from, but he won't even give my church a chance... we're really cool. I'd love it if he'd go to church with me, I think it'd be fun, and frankly it freaks me out that he's so afraid to try new things. What do you think?
As you said, he may be aftaid to try new things, so maybe you could try and ease him inDo you have any sort of youth club that belongs to your church? Maybe you could convince him to go to it, and ask about your church. This might convince him that it really is ok.