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Viewing profile - Bajan Queen

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Bajan Queen
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Joined: Tue Feb 10, 2009 8:13 am
Last visited: Wed Apr 06, 2011 9:24 am
Total posts: 32
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 30 Posts / 93.75% of user’s posts ]
Most active topic: Finances vs. Obligations
[ 6 Posts / 18.75% of user’s posts ]

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~Emancipate yourself from mental slavery, none but ourselves can free our minds!~ Robert Nesta Marley

Bajan Queen Posts

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 Forum: Personal Finance   Topic: Would we qualify for the first time homeowner credit?

Posted: Mon Jul 20, 2009 6:26 am 

Replies: 10
Views: 2133


I don't believe you will qualify for the tax credit because you are buying the house from your Husbands immediate family. My understanding is that if no matter who is on the loan, because you are married, it will be treated (in the IRS' eyes) as if you are both purchasing the home. Thats just my th...

 Forum: Personal Finance   Topic: Asking card for lower rate in this economic climate

Posted: Fri Jul 17, 2009 1:31 pm 

Replies: 4
Views: 1441


What I have done before is "threaten" non-payment cause my husband is not working. I do it in such a way that I'm not lying. I say that "my husband isn't working right now (which is true but he's been a student for the past two years) and it has become increasingly difficult to contin...

 Forum: Personal Finance   Topic: Credit card question - credit score boosting

Posted: Fri Jul 17, 2009 8:06 am 

Replies: 6
Views: 1656


I added my hubby as an AU to the my card. We pay that card in full each month and rack up points so it made sense that he should be an AU. I thought the rules had changed about the impact on a person's credit however, when we did our quarterly credit review, low and behold there it was. And it raise...

 Forum: Personal Finance   Topic: Would we qualify for the first time homeowner credit?

Posted: Fri Jul 17, 2009 4:09 am 

Replies: 10
Views: 2133


TC I read that on the IRS website and that's what prompted me to ask this question. I'm not sure if by the IRS standards they would considered the in-laws as MY parents for the purposes of this transaction. The concern about the mismatch is almost a non-issue for for him. I noted it in my original p...

 Forum: Personal Finance   Topic: Would we qualify for the first time homeowner credit?

Posted: Thu Jul 16, 2009 2:00 pm 

Replies: 10
Views: 2133


The broker is your brother-in-law? My wife is on the title only. It does not bother me in the least, but we probably could have gotten a loan with her on it (she has debt but no reliable income). I should have been clearer, I meant to say that it is my husband's home where he grew up (hubby has no ...

 Forum: Personal Finance   Topic: Would we qualify for the first time homeowner credit?

Posted: Wed Jul 15, 2009 5:53 am 

Replies: 10
Views: 2133


Peachy, the purchase of the house is not contingent on the credit, we are buying the house regardless. I just would hate to have free money go down the drain if we could qualify for the credit. If we dont' qualify, then so be it. Sandy/Treousa, I don't like the notion of the mismatch either and we a...

 Forum: Personal Finance   Topic: Would we qualify for the first time homeowner credit?

Posted: Tue Jul 14, 2009 9:12 am 

Replies: 10
Views: 2133


We are buying a house from my in-laws at the price they paid when they bought it new back in 1991. Because my credit score is about 750 the broker says we should put the mortgage in my name since we will get a better interest rate and my husband will be on the title only. My question is, will we be ...

 Forum: Personal Finance   Topic: Finances vs. Obligations

Posted: Tue Jun 23, 2009 2:15 pm 

Replies: 15
Views: 3593


Daedala, that was just a talking point to Sandy, not about me personally. Those hiring manager end up making it my problem since I'm the one doing the recruiting. I don't plan to disqualify myself, I interview quite well since I know alot of the HR/Hiring manager tricks, the issue is would I be a fi...

 Forum: Personal Finance   Topic: My girlfriend says she wants a CZ

Posted: Mon Jun 22, 2009 10:53 am 

Replies: 53
Views: 15480


I thnk we on the board are imposing our personal desires on this couple. If she says she wants a CZ then get her a CZ to do otherwise would be silly. I told my hubby exactly what I wanted which was a really nice yet inexpensive solatire. I expressly forbade him to go spend 3 months salary on a ring ...

 Forum: Personal Finance   Topic: Finances vs. Obligations

Posted: Wed Jun 17, 2009 9:17 am 

Replies: 15
Views: 3593


Sandy, I need to come work for you! I do you know how many times I've had to explain to a manager its better to wait a month, let them close out their responsibilities and have them ready to start work. The alternative would be tell the candidate you can't wait and go back to the drawing board and w...

 Forum: Personal Finance   Topic: Finances vs. Obligations

Posted: Mon Jun 15, 2009 5:53 am 

Replies: 15
Views: 3593


Sandi, you would be surprised how many employers are ticked off when you say that you need to give your employer more than 2 weeks notice. When I'm recruiting I try not to strong arm new hires into a 2 week time frame if they request longer, but some hiring managers want to throw a fit. I figure if ...

 Forum: Personal Finance   Topic: Finances vs. Obligations

Posted: Fri Jun 12, 2009 12:34 pm 

Replies: 15
Views: 3593


Sandi, my year is up in very early august. Speca, you make a number of very good points, except I work 12 hours I get paid for 8 LOL, but I still get your point which is this is an employment at will state where they can terminate for what ever reason and I can leave for what ever reason. I guess I'...

 Forum: Personal Finance   Topic: Finances vs. Obligations

Posted: Fri Jun 12, 2009 6:51 am 

Replies: 15
Views: 3593


Timeline says rollout completed in September but of course there is the evaluation and updates which would be ongoing. I honestly don't feel as if they are committed to this project and thats another part of my frustration. I completely understand the importance of maintaining contacts (I work in HR...

 Forum: Personal Finance   Topic: What happens to account has been paid off after opting out?

Posted: Fri Jun 12, 2009 6:11 am 

Replies: 6
Views: 2580


Mars, as a matter of fact the account is with BofA and it is finally paid off. We've not pulled his report as yet to see if its been closed but we've toyed with the idea of having them resend us a card so he can use it once a month for gas or something minor and pay in full just so we can keep the h...
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