Messages By: jb7ctx

Oh I would be just as mad, irritated, etc., as you are about all this tax stuff!! This is totally stupid that his father thinks he can get away with this...BUT...you and I know why his father thinks he can get away with this-- its because your husband allows him to. Its unbelievable that this man would actually take money away from his son, practicaly taking food out of his own grandchildren's lives, and think nothing of it. It is unbelievable that your husband is just going to keep allowing this to happen. Your husband isn't working for his father at all at this point, yet his father has said that he is still going to keep this charade going for tax fraud? My only advice is for him (your hubby) to let his father know that he can't do that because he has to file his own taxes and his employee's taxes, and it will get his father in trouble if he does still file that your husband is his partner. I can't imagine what your husband is so "scared" of regarding his parents...it sounds like they are totaly uninvolved in your lives, what does he have to lose? He will be gaining self respect, and that is something you can't put a price tag on, you know?

You always have such good advice for others regarding problems with thier in-laws here on this message board. Can you pretend, just for a few moments, that your posting was someone else's and ask yourself what advice you would give that woman?  I wish you the best, keep your chin up.

Jen

Hi, just wanted to let you know that cancelling a credit card can damage your credit score.  Yes, for real!!!  Suze Orman said it once and then I just read it again in a magazine. 

I'm using Suze Orman's book The 9 Steps to Financial Freedom  to help me deal with my fears.  I've been spending years getting to this point.  One of the reasons I'm so in debt is because of my unhappiness at my job and with my life itself.  But I did manage to do something every so often to help to get to this point in my life.

SInce chosing this goal, I have learned many things:

1. Don't cancel a credit card.
2. If you owe more than 50% of your credit limit, your credit score is effected.
3. You figure out which credit card has the highest financial charge and you go after that first.
4. And that I know nothing about how my credit score is determined and how I'm going to get it back to the high score I had a few years ago.

Well, #2 isn't the highest, #3 has the lowest balance.  #4 means I'm going to have to learn - luckily, I signed up for something called CREDIT OBSERVER when I started to hear so much about theft identity.  It's an insurance type thing and it sends me a quarterly report of my credit report.

Now that I'm focused on this goal, I can now use their service to help me learn.  They have something called "Credit Education Specialists".  And they have a 1-800 too boot. 

My goal is to pay off the lowest balance and then begin tackling the next credit card.

I think that what shocked me the most was that my credit card companies had raised my finance charge %s and I never caught it.  I had one that was at 6.5% and now it's at 11.99%.  It happened to my mom as well and she has another credit card company. 

Have you attempted to track your daily spending? or are you good at that? My goal is to conquer my MINDLESS SPENDING by 10/1/05.  I'm doing rather good.  This was my first month to track my spending and it was surprising to say the least.   I was really off on "ALLOCATING FUNDS" - but it was my 1st attempt and now, I know that I can be more realistic than when I started.  (It's one of the things that Suze wants me to do.)

I understand you being tired of "them" and the relentless frustration... and how sad for the kids.  Why do you suppose your son didn't reply when his grandmother spoke to him?  It still seems you're the only hope of ending this battle.

Tax issues are complicated...  the accountant can explain and your tax forms will clarify the money issue.  But from my understanding -    Hubby's income is his profit (as FIL's profit is his income).  They each pay fed/state, SS, etc. and file as individuals.  It's not tax fraud and FIL doesn't benefit financially, nor does it put hubby at a financial disadvantage for the partnership to continue.  Hubby can have a separate business even though the partnership exists.... one has nothing to do with the other.  The question is, did FIL send in the withholdings?  Seems he did since you indicated the accountant said it paid for the SS hubby owed.  I suggest you talk with the accountant again so you have a full understanding of what's going on.  Take care.  :)    

I'm npt quite sure what to do about this, if anything.  My husband and I have been married for

2 1/2 years.  His x-wife lives in anohter state with their 3 children.  Recently the oldest boy broke the law and had to go to court.  My husband drove to 4 hours to another state to be there for his son.  Subsequently he's been back and this last time he fell asleep on the couch.  He told me that he was tired and needed some sleep.  He's going back again because of another court date and is planning to stay all night go to court the next day and then return home.

I have voiced my anger with him for making the choice to sleep there " Handle your business then get on down the road" and I have asked him not to sleep there because its not right.  I've asked to accompany him on the trip, but he doesn't want to hurt her.  He said to me  " How would you feel if you were in her place?"  It would seem to me that his son could use all the support he could get.

He continues to ignore how I feel and I don't know what to do about it. 

Here in Australia the school's are really trying very hard to have foods that are less in fat and sugar. As there is a big problem these days with children becoming obese and there is a higher risk of these children ending up with Type 2 Diabetes.  

Also now in most school's here the teachers are trying a program that see's the children having more exercise time, meaning that they do more sports activities and such. All this makes alot of sense as children these days aren't as active as we were as children. The children these days rather play computer games and or watch TV then to go outside and ride their bike or go and play with their friends outside if you know what I mean!! 

Also, it's up to parents to make sure their children are eating the right foods at home too. Try limiting take-away foods(Junk foods) to maybe once a week. And when you do get take-away you can get foods that are more healthy that say going to McDonalds or KFC.   

Some suggestions would be: Thin crust pizza's from a Italian Pizza shop(not the likes of Pizza Hut). Or Pasta with a tomato based sauce not creamy sauces. If you have to have hamburgers go to your local take-away shop and buy their hamburgers as they have less fat in them than the likes of McDonalds!! 

Anyway, when it comes to your children's health you should always want only the best for them. Lots of fresh foods like, fruit and veg's!! 

By the way, just so you know I am Diabetic myself and I wouldn't wish this on anyone especially children. TAKE CARE. LOVE KELLY.