My entire inheritance taken by STORAGE WARS!?
I live in the USA, as do the majority of people in my family. We are all over the place, from West, Mid-West, South, to the North-east! None of us are particularly rich, or considered above middle-class. I have been able to attend, and finish college with the financial contributions made by my parents, money I make working, and student loans as well. I am in debt up to my eyeballs, mostly because of the student loans. I accepted the fact that I, like many other people in America, will have to payback the loans, and be burdened by them for at least a decade or more. I accepted it, and it didn't bother me until a series of events surrounding the death of my grandfather unfolded. My grandfather, unbeknownst to me, and the rest of my family - was sitting on some valuable things that he had left to me in his will. I was filled with grief, and after about three weeks, I decided to go and claim the items he had left to me, which were being kept in a storage facility. The family lawyer gave me the address, key, and storage unit number of where my inheiritance was being kept. I drove for two days, and finally arrived at the facility. I make my way to the locker, and I try to unlock it with the key I was given. It would not fit. I double checked the storage unit number, to make sure I didn't make a mistake. After a while, I asked the staff about the unit, and they told me that my grandfather had not paid his fee's in the previous year, and the terms of the contract they had, his items were to be auctioned off. My inheritance, which I will not identify in detail, had been 'won' by one of those guys on the show 'Storage Wars'. The amount that my inheritance was auctioned off for, was not even 1/10th of it's true value. So it's gone, and not only will I remain stuck with my debt, but I have to pay the fee's that my grandfather neglected to, before the items were auctioned off! Thanks a lot storage wars. Am I legally entitled to anything, in this situation?
How do you negotiate student loan debt to pay it off in one lump sum amount?
Be aware that settling a debt for less than the full balance owed is something often asked about in professional licensing and background investigations, so consider the potential ramifications of negotiating a less than full-value payoff. You may never want to be a licensed attorney, CPA, real estate broker, insurance broker, mortgage broker, banker, TSA employee, securities broker, financial planner, holder of a military or government security clearance—need I go on? Paying one’s justly owed debts is a consideration for many licenses and positions that call for the holder to be placed in a position of trust or to act as a fiduciary. So, depending on the rules applicable at the time and in the location where you might apply, a record of having settled a debt for less than full value could have consequences that you will then wish you had considered before you settled—-consequences that could cost you far more in opportunity costs than any money you “saved” by settling.
How do low-income kids go to college in Australia and New Zealand? Are there grants and scholarships for them?
I can't specifically speak for Australia In terms of money.But New Zealand is a socialist and social conscience country. Our system of education is set up differently for a start.We go to high school at age 12 or 13. and when we leave high school at 15, 16 or 17, We come out with a good standard of education. (Excuse typing please. I hate doing this on my phone).It will often qualify us for a good job and decent pay if say we left after what used to be called university entrance. Our education is high. The system in the States is a complete have. It's a money pit where people come out with degrees that are worthless in terms of a good job and pay.Then when we leave high school - we can choose to continue our education. We can go to trade school or university if we want to.But in both these cases - were going to get specialized training. If we go to trade school - we might do it as part of an apprenticeship as say a panel beater or carpenter etc. on the job training and technical college for the academic side of the job etc.If we go to university, We go to specialize. We don't do 4 years. We do 3 and our degrees are much better than American Bachelors degrees.We don't do lots of ridiculous subjects that have nothing to do with anything. If we want to do Math. We do nearly all Math papers with perhaps a philosophy paper and a few physics papers. That's all. Things that are related to Math. We get our general overall education at high school.And who pays for it if you're low-income? You can get funding but the cost of university is cheap compared to other countries. Most students have part time jobs or they get assistance from work and income (welfare through the NZ government) while they're studying called study link. Which is like a student loan.Also scholarships are available and sometimes an employer will pay the fees etc.You come out with a proper degree and can usually go into a well paid job when you graduate.
Can you UNconsolidate student loans?
@Toni I cant afford an EXTRA $300.00 a month. I have a house now and have no problem paying mortgage and insurance, but I also have a child to support and my paycheck from my FT job covers the bills I already have, not the EXTRA 300.00 for students loans, does that make sense? Besides, renting is no better than owning a house. I rented for years for 600.00 a month and my money went down the drain. Now I have a house for 500.00 and am actually making an investment!
What legacy has John Key left behind for New Zealand?
Thanks for the A2A Andrew.I think it will be mixed. That he and his party guided NZ through tough economic times globally cannot be disputed by any rational person. NZ has recovered quicker and our economy is much more robust than many other "developed" nations including our much-vaunted big brother across the Tasman.Surprisingly, he will also be remembered for being the prime minister when progressive, liberal social changes were made, especially in the area of LGBT rights. Also, somewhat surprisingly, he led a government that has been genuinely committed to a partnership with Maori and looked to promote progress. Under his leadership much needed infrastructure, particularly roading, has been undertaken. He will be remembered for being at the helm when many reforms in Education were made. The introduction of National Standards for reporting was fought by many in the profession and it is still causing dissension. The recent attempt to re-introduce bulk funding was so unpopular the government backtracked. He will be remembered for being at the helm of a government whose response to the catastrophic 2011 Christchurch earthquake was inadequate at best. How they handle the recent Kaikoura quake remains to be seen.He will be remembered for his campaign to change the NZ flag, although really this should be just a footnote in history.He will also be remembered for his refusal to accept there was a housing problem and under his leadership home ownership became an impossible dream for many.It always takes a few years before one can objectively judge the legacy of a leader in full. But I think come 2026 history will judge him favourably. He is a self-made multi-millionaire who gave up a significant chunk of his life and earning potential to lead the country. Despite his wealth he never seemed aloof - indeed it is his personal likeability that carried National to their big victories.
I have inherited US$ 8 million from my late grandfather. I'm 18. My country sucks. I want to leave with my mum. What countries can welcome us?
Safe Organizations to Volunteer withVolunteering is a noble job. Not even a single individualcan deny the sacredness of this job no matter what is his religion or beliefs. Itis a highly rewarding job that can be a cure to ailing souls. Its purifyingproperties are not hidden from anyone. Apart from these great spiritualbenefits you have plenty of advantages in your practical life that are enoughto convince you to volunteer several times in your life whenever you find theopportunity to. But to make yourvolunteering work highly rewarding for you and for the people who you go to serve,you need to be working through a reputable and trustworthy charityorganization. If you are an employee or a student and have taken a gap year, your time is highly preciousand your efforts must be directed in the right direction.How to Choose a SafeOrganization to Volunteer withWhen you come to choose an NGO to entrust with your time andefforts in the path of humanitarian services, check a number of things aboutthis organization. Registered NGOs have more authority and their work is moreorganized. Check the registration number of the NGO of your choice. You can check with the authorities also toensure their registration. Another very important matter with all types ofcharity organizations is that they must give you basic training for working inchanged circumstances of a new place. Youare not aware of many different changes you are going to face like sicknesses,social dangers, work linked hazards and many other matters that are of highimportance for you to know. If you havetaken a gap year, you have ampletime at hand to get some basic training before actually starting the volunteerwork safely. This training can be in your country at the premises of the NGOyou choose to work with or in the country you go to volunteer in.Basic Things to DoIn order to search for your best safe organization, do anonline search. Check the website of Thrive Africa here http://thriveafrica.ngo/. This is one ofthe active NGOs offering volunteering services in Ghana. There are videos ofvolunteer work on the website and there are details of the projects also thatare completed by them in Ghana. You can find the contact details of theorganization, too. Contact them and collect all the information you need forgetting started with your planning of gapyear.
Canadians, should I am American move to Canada?
So I'll go through your answers in order here... Is Canada a nice, fun and interesting place to live? Absolutely. But it depends where you are to hit all three of those things at the same time. You can get the urban feel living in cities like Toronto, Vancouver or Montreal. You can get a more outdoorsey feel by going any place more rural. If you want a little mix of both, give Halifax a try. Do Americans get treated well over there? Of course. Why wouldn't they? As long as you're not a jerk, you'll be fine. But that's pretty much a general rule for anyone coming from anywhere. Is it easy to move there as an immigrant? Depends. You'll need to check out the Immigration Canada website here: http://www.cic.gc.ca/english/index.asp Are you allowed to live here if you're not a citizen? Again it depends. If you have a work permit or a study permit, sure. There even a Temporary Resident Visa if you'll be in Canada for an extended period of time. But you'll need to check out the website. I've got American friends who're dual citizens because they married Canadians. Cold weather? Only really from October to March or April. July and August can get crazy hot depending on where you live. The rest of the time, it's really comfortable. But if you're expecting snow all the time, you may have to go to the Northwest Territories for that. Anyway, good luck in your decision!
Can you go to jail for not paying your auto loan?
Most people keep saying FTA, but that is used in criminal case. In a civil case, it is more likely that a default judgment will be entered against your brother for the loan. Then it is up to the loan company to try to collect. You don't have to appear to defend in a civil case, just that you will lose by default. Your brother would know because it takes almost 2 years to get a civil case into court. I suspect he is being summoned for something CRIMINAL he did. Did he write a bad check because that is a criminal offense. It's easy to confuse that with not paying the car loan, but it is two entirely different cases. Not pay car loan = civil case = default judgment if you ignore it. Passing a bad check = criminal case = warrant for arrest and jail time if you ignore it. I don't think your brother told you everything.