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Question by Mike W: Can anyone review my financial info and let me know if you believe I can qualify to purchase a home?
Hello – I would like to give you some of my financial information to see if you believe I would qualify for a loan before having to run my credit and have points deducted.
I turn 20 years old in the fall. I own a landscaping business. I have been living with my parents to be cheap and save money for as long as I can hoping to buy a house and to build a good financial cushion 
I make a base salary of ,653.00 each month, ,836 a year. The business pays pretty much all of my expenses, cell phone, vehicle, fuel, insurance, 50% of health insurance, office telephone and internet – pretty much everything but food, hygiene, clothes, and entertainment. I feel very comfortable with roughly a 0-,100 a month payment, by IRS regulations I am able to reimburse myself 15% of all expenses for a “home based business” (my office) for (mortgage payment, water, electricity, TV, etc) so I plan about 0-0 from that.
Experian reported my credit as of 7/31/09 of 742
1 account now closed, no late payments etc
1 account open – 0 limit no balance (paid off each month)
1 account open – Business Equipment Purchase roughly ,000 remaining of ,000 – no late payments etc.
Where my problem is,
In 2007 I reported ,000 in gross income from a previous employer – 3 years of reports
2008 ,000 (first legal year in business, about 60% of my wages were under the table which hurts for my situation now)
2009 –
I am also employed by Sheetz for the winter, basically just a hobby to have something to do. I roughly pull in about ,500 over the 3 winter months working part time there.
Another problem is I do not have a co-signer.
I would like to look into purchasing within the next (3) months if it is possible, I just would prefer buying then renting.
If you believe I might be eligible let me know and we can go ahead and do the actual prequalification – I just don’t want to run my credit if I have a few possible reasons that can revoke my qualification.
Best answer:
Answer by Janet P
You will qualify for a loan, and you won’t need a co-signer with that credit.
However, you will only qualify to borrow around 25k. that is a problem, other then finding property priced that low, not many banks are even willing to lend such a small amount.
Your salary is whatever you told the IRS it is. If your adjusted income is only 10k that is all that they will look out. Telling them you are committing tax fraud is not going to help you.
Give your answer to this question below!
Question by d f: What happens to a federal firefighter that masterbated at work to computer porn and gets caught?
My husband’s co-worker was caught masterbating at work (at a naval base) on the computer in the “common area” at just past midnight. Everyone is very angry that he did not do his “business” in his own private room and even more irate that he was using the computer to view the porn in the day room, where they all watch tv, visit with family and what not…
What can happen to him? Can he lose his job (this is what we are all hoping for) or will he just get a slap on the wrist? Last year they all had to sign paperwork after an internet training class regarding what they could and could not view on the internet (porn being a big no-no)
The computer tower has been taken to a place in the region for investigation on the history (they all have badges they insert in the keyboard to sign on to the computer) and everyone is asking for a new computer and chair.
If he doesn’t lose his job, or get transferred, what can you come up with to make his life miserable for a few weeks?
Best answer:
Answer by Goldenrae9
As a state worker, I always wonder why we are held to a higher standard than the private sector. I’ve seen stuff in private sector wherein business transactions take place at strip clubs. Sex is sex. We need to get over it.
What do you think? Answer below!
Question by Martha: Does anyone know information of home based computer businesses?
I’m doing a project for a computer class and my part is to discuss “home based computer businesses”. But when i look that up in the internet all that comes out is how to start your own or a million of scams. I wanted to know if anyone knew of a website that actually talks a little more about its history and just plain information on that topic. THANKS!
Best answer:
Answer by George H
You just said the magic words “millions of scams” I would discuss THAT in class!
Add your own answer in the comments!
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