Archive for the ‘Christian Debt Financial’ Category

The Bible is pretty clear:
1) Get rid of your debts FAST. Owe no man anything except to love him. Romans 13v8

2) Do not borrow to finance anything!! That’s the world’s way, not God’s way. If you want to finance a business? Get investors. Investors share the risk and the profits, they don’t loan you the money.

3) Do not get a mortgage for house purchase, car loans or student loans. I know, it’s easier said than done but this credit crisis and economic downturn has barely started. Be willing to wait and pay cash only for ALL your purchases. Look to increase your income, not your debts. Look to friends and relatives for temporary help and stay away from the institutions.

4) Tear up your credit cards, even if you pay the balance off each month. Why? because your situation could change in a matter of days in these highly uncertain times. Stick to using cash and debit cards.

5) Got pensions, bonds, savings, land? Think about cashing them in. In less than a day they could end up not being worth the paper they’re written on. Start investing heavily into the Kingdom of God. Give generously across a a wide range of ministries…Mathew 6v21, Mark 10v21, Luke 12v21,33 & 34.
Don’t be caught out by the times in which we live. Don’t be like those mentioned in James 5v3.

These are times of huge opportunities to wise and faithful Christians who are willing to put the ways of God first and trust Him. The alternative is to continue following the world down the destructive path they have set themselves on. When this crisis goes nuclear, we need to be in a position to help and advise. We can’t do that if we’re in the same position ourselves.

I predict some very stupid, immature responses to this post. Try to ignore them and read the answers of those who will respond intelligently and with wisdom…
Response to Daisymae:
You have not because you ask not.
The ultimate source for everything is God. If you need to purchase a house, you don’t have to do it the way the world tells you.
I know people who trusted God, did things His way and ended up being GIVEN a house.
Never say never when we’re talking about the Creator…

Im waiting for one of them to blame Obama.

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"The Board of Directors have received two excellent financial offers to buy the Club that would repay all its long-term debt. A Board meeting was called today to review these bids and approve a sale. Shortly prior to the meeting, the owners – Tom Hicks and George Gillett – SOUGHT TO REMOVE MANAGING DIRECTOR CHRISTIAN PURSLOW AND COMMERCIAL DIRECTOR IAN AYRE FROM THE BOARD, SEEKING TO REPLACE THEM WITH MACK HICKS AND LORI KAY MCCUTCHEON.

This matter is now subject to legal review and a further announcement will be made in due course.

Meanwhile Martin Broughton, Christian Purslow and Ian Ayre continue to explore every possible route to achieving a sale of the Club at the earliest opportunity."

http://www.liverpoolfc.tv/news/latest-news/liverpool-fc-statement-3

All i can say is…….oh dear.

The CAPITALISED line is what makes me skeptical, it sounds like Hicks if fighting tooth and nail to keep a boardroom majority in his favour by replacing opposition with his own people so he can still demand his £600m, leaving you back at square one with the RBS deadline looming.
I think the deals are solid, but it sounds once again like Hicks is fighting until his last breath.
What makes you think what we care what the neutrals think?

Neutrals have never liked us anyway.
We’re debt free, can buy any player we need in case of injuries, player power no longer exists, we can authorise a new stadium in days and build it just as quickly, all the while tickets are becoming cheaper and the team has improved on the pitch.

You’re right, i hate the new owners.
@Dan: He’s clinging to life and trying to get as many allies as possible.

@Kevin K: You do realise that by 2011 Manchester City have ALREADY finalised sponsors and revenue which has increased our income by 400%!!! Meaning City STILL have more money than any other club, have met with UEFA officials to outline their income/outcome projected figures for the next 5 years which they have accepted and have a £1BILLION redevelopment project underway to transform East Manchester into a leisure and retail complex to rival New York and Tokyo?

I would go HAHAHAHA but that’s just childish.
Highbury Apartments?

Google ‘Emirates Palace’ and THAT is what City’s owners have in mind.
Google ‘Seventh and Fifth Avenue’ for an idea of what they want the shopping complex to be like.
Highbury Apartments? Are you the Arsenal K.Patel?
@Bluey: I guess they are blinded by their jealousy, i dunno. Kevin listen to Bluey.

City are sponsored by Jaguar. HH Sheikh Mansour owns a 5% stake in Jaguar. All he has to do is invest £300m in Jaguar and Jaguar will invest £100m back to Manchester City. All legal and above board and part of their new ‘rules’.

Hopefull but still a bit hmmmm after the fiasco last time where the last one ran a mile when asked to show us the money, Heres hoping there was a interview on a irish radio station where thommo said he has heard new owners in before the everton game so fingers crossed. I think Hicks knows he is beat and is trying to cling on to the last hope

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France: Sarkozy: has been more successful with his Italian mistress than with reforming his country. Attempting to reform the retirement age has met much opposition, I hope he can actually commit to this reform.

Germany: Merkel: has maintained Germany as one of the strongest European economies through these hard times. But has an unrealistic political partner in the Liberal Party that thinks more thru ideology than realism.

UK: David Cameron: High hopes for the Conservative-Liberal alliance and it seems as if all is going smoothly…for now.

Italy: Berlusconi: if any one person could be blamed for Italy’s fall from a prominent world member I would blame Berlusconi, which is more interested in his personal intrests than Italy.

Australia: Julia Gillard: rough start for Australia’s first female leader. Lets see how she handles her unstable coalition.

Russia: Medvedev: really he is just a guy working under Putin, until Putin can be President again.

Turkey: Erdogan: has lead his party as the Islamic version of a Christian Democratic party of Europe. Turkeys stock is rising rapidly in world diplomacy, and he seems to be underminding the generals.

Saudi Arabia: Abdullah: a highly conservative country with much wealth based on oil. Slow reforms under his guidance.

South Korea: Lee: Has made some advances, but North Korea has been a major thorn to his administration.

India: Singh: did amazing things as finance minister that has brought on India’s amazing growth, but has failed to deliver as prime minister, mostly because he requires communists to hold a government, and poor health.

Indonesia: Bambang: under his leadership Indonesia is becoming south east asias new Thailand….before Thailand’s current issues of course.

Japan: Kan: governments in Japan are two cents a dozen ever since Koizumi left. Kan will likely last little and accomplish little.

China: Hu: The bad cop to Wen’s good cop. Both men have seen China’s huge rise. They must be doing something right. But there are always persistent questions of "how long can this type of growth last?"

Brazil: Lula: has done well to maintain his predecessors open market economic reforms that have lead to lasting growth. Has also done reforms to help ease the large income gap in Brazil, including incentives to get poor children into school. His saint like reign has been besmirked with corruption scandals tho.

Argentina: Christina Fernandez: Picked a fight against beef farmers which she lost misirably. The economy is going good tho under her rule. Strange relationship with the IMF, and debt.

Mexico: Calderon: intensified a drug war which seems to be going badly for Mexico.

Canada: Harper: Canada was largely untouched by the financial crisis, compared to other developed nations.

South Africa: Zuma: bad personal example with his many wives and unsafe sex, but had a good World Cup.

US: Obama: High expectations met realistic situations, leading to low poll ratings. Should have focused more on fixing his predecessors mess than passing his Health care bill.
EU: Rompuy has little real power.

They would all have (dec.) following their names.

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In the 2010 New York gubernatorial election, republican candidate, Carl Paladino is facing heavily favored democrat candidate, Andrew Cuomo. Already a comeback candidate, Paladino trounced republican downstate politician Rick Lazio (the thought to be forerunner) for the republican ticket.

At a glance, Paladino, a self-made millionaire developer in Western New York says he is mad as hell with all New Yorkers at New York’s current politicians leadership (including attorney general Andrew Cuomo). Promising a better fiscal policy and an end to political bureaucratic control of the state, Paladino who overcame early criticism and ridicule over sexist and racist e-mail jokes.

Cuomo has a better than 2-to-1 edge in the polls over Paladino and more than $23 million in his campaign account. Paladino has promised to spend up to $10 million in the whole campaign, but has spent just a fraction of that so far in his underdog effort according to the Christian Science Monitor.

Cuomo enjoys the fact that he has experience in government as a lifelong politician in New York, although that fact could hurt his standing in the poll with much of the nation angered at incompetent incumbents in government. Cuomo will also face extreme criticism over his involvement with instigating Fannie-Mae and Freddie-Mac housing mortgage crisis.

Lastly, though having no direct influence on the Cuomo (who has kept uncannily quiet), the mosque issue in New York City will likely deter many New Yorkers from supporting Democrats this fall as well.

I have been a registered Democrat since I could vote, but I have to say that I’m mad too Carl, and want to see some change in New York politics. The last thing we need is another incompetent politician in the spotlight, especially one who has had a part in starting a national recession. Already facing record debt and budget deficits, New Yorkers need an established businessman, outside of the drudgeries of politics to helm New York’s future and financial success.

I Heart New York!

"Paladino who overcame early criticism and ridicule over sexist and racist e-mail jokes."

Wow, he received criticism for being a racist but learned how to overcome it – remarkable.

Wow, he sent out bestiality email (porn) but learned how to overcome it – amazing.

Carl Paladino will win only if racists and pornographers vote in large numbers.

Im a middle class hispanic and am going to be a senior this fall in high school.im planning on getting my BSN in nursing and then continuing to become a Nurse Anesthetist.

TCU, (being a private school with a low student teacher ratio and having the 5th best nurse anesthetic program in the nation) is my dream school! i love everything about it. EXCEPT… the very high, and still rising, tuition :/ Also the lack of diversity and high percentage of greek life(im not interested in joining a sorority)are 2 minor setbacks for me but it wouldn’t keep me from attending if i were to get some financial aid. but if i dont get enough financial aid…

MY QUESTIONS:
i want to know if its really worth taking out loans and possibly being in debt for a few years after college? or am i better off going to UT Arlington, University of Houston, or Texas Tech and transferring after i have my BSN? if transferring is the better plan, then which of these 3 schools would be best to transfer from?

Also, is TCU seriously doing anything to improve its diversity or am i, being a minority, going to be an outcast and find it hard to make friends because of greek rule?

Anybody please?! Im very confused and would love to hear ur advice!!! also ur source of credibility would be nice to know! thank you!!!

I am not used to ethnic origins and class being determinants of where one goes to university.

The university would be failing in its duty to other students if it gave special privileges to greek students.

If you get the scholarships you hope for, I wish you luck there.

If you don’t, I’m sure a good state uni will provide an excellent nursing course.

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Here are some numbers:
Current Unemployment Rate: 9.5%

http://data.bls.gov/PDQ/servlet/SurveyOutputServlet?data_tool=latest_numbers&series_id=LNS14000000

Jobless Claims: 37,000 + increase

http://www.reuters.com/article/idUSTRE66L26I20100722

Home Foreclosures are up

http://www.housingwire.com/2010/07/16/bofa-nonperforming-loans-foreclosures-up-15-from-a-year-ago

“U.S. fiscal policy is unsustainable, and unsustainable to an extent that it can’t be solved through minor changes,” Congressional Budget Office (CBO) Director Douglas Elmendorf told reporters at a Christian Science Monitor breakfast.

“Unless we as a nation demonstrate a strong commitment to fiscal responsibility, in the longer run we will have neither financial stability nor healthy economic growth,” Bernanke said in a speech, regarding the Budget.

http://thehill.com/blogs/on-the-money/budget/91161-congressional-budget-office-fiscal-policy-is-unsustainable

Here are some quick notes on the Obama budget.

* 2008 Deficit was $454.8 Billion. It was the largest deficit in Bush Admin.
* 2009 Deficit is $1.41 Trillion. That is a 210% increase from 2008.
* CBO predicts president’s budget to lead to $1.5 Trillion deficit in 2010 and $1.36 Trillion in 2011.
* CBO Baseline Predicts deficit for 2010 to be $1.35 Trillion and $995 Billion in 2011.
* Under President’s budget, we will not see a single deficit under $700 Billion – ever. Under Baseline, we will never see a deficit under $400 Billion.
* Under President’s Budget, the deficit in 2020 will be $1.2 Trillion. More than $9 Trillion added to national debt, over next decade.
* Baseline CBO prediction says deficit in 2020 will be $683 Billion and more than $5.9 Trillion added to national debt in next decade.
* In 2008, the deficit was 3.2% of the GDP. The deficit is now 9.9% of the GDP.
* President’s budget will lead to deficit being more than 10% of GDP in 2010 and 8% of the GDP in 2011.
* Baseline CBO prediction says deficit will be 9.3% of GDP in 2010 and 6.6% of GDP in 2011

SOURCES:

CBO Historical Tables http://www.cbo.gov/ftpdocs/100xx/doc10014/March2009_HistoricalTables.pdf

CBO President’s Budget and Tables/Baseline Predictions http://www.cbo.gov/ftpdocs/112xx/doc11231/03-05-apb.pdf
I see tax hikes in 2011, leading to a double-dip recession. Bush Tax Cuts are expiring, Obama Care has tax hikes in it, and deficit spending is unsustainable. Not to mention our economy is already weak.
I can’t give my entire opinion on here, so if you’re interested, just go to: http://albertsamerica.wordpress.com/2010/05/18/economic-outlook-2010-and-beyond/

Real unemployment now stands at 18.2% which is up from 17.4% in January and down from 19.2% in May. Consequently the unemployment rate has virtually remained unchanged with the exception of the rise of .8% over January. To take the Dept of Labor adjusted figures that do not count those who have exhausted their unemployment fund is forgetting nearly 10% of our unemployed.
Our national debt now stands at $13.2 Trillion, our federal budget deficit stands at $1.4 Trillion, bankruptcies in 2010 alone, 1.4Million, foreclosures over 972K (2010), unfunded liabilities are $ 109.7 Trillion and our GDP is 91.5%.
There are those who will compare the GDP to previous administrations, but that was to fund a war which once paid for ends that expense. Our spending today is on never ending entitlement systems that have no final payment, but keep accruing debt year after year.
With all of the applied data, unless there is a serious change in tax and spend policy, there will not be a double dip recession, but an extremely serious depression. To make matters worse, the world economies are so closely tied that if we go we will take the rest down with us into a world wide depression. All of the projections by the CBO are dependent on the business structure remaining at least stable in the next two years, but too many small businesses are already near failure with more to follow. If they fail (they, collectively, are the largest employer in the US), the projections from the CBO will be rendered useless. The insurance costs of health care taxes and cap and trade if passed will push many of them over the edge to bankruptcy.
This economy will not improve for quite some time unless Washington relieves business of the undue burdens placed on them by excessive taxes and regulation.
2011 at best will be a repeat of 2010, but likely worse which may lead into depression as early as 2012.

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sooo… i got into washu also- but they didn’t give me much so i can’t afford it :/
i need help choosing. i’m stuck…
as for vanderbilt 2/3 tuition scholarship
as for notre dame 2/3 tuition scholarship
as for university of pittsburgh full tuition scholarship

however money is the least important. i’m willing to go in debt. the money factor affects my parents the most which is why i can’t go to washu. my parents are well off btw so all my financial aid are basically scholarships, need based aid: zilch. and it’ll be too much debt before med school

i plan to go to premeds. major in neuroscience?? and economics. minor in spanish/chinese

from what i have heard, notre dame’s pre meds program is better than vandy’s even though notre dame has no med school. however vandy’s med center is excellent. yet pittsburgh is better in research than vanderbilt. and pittsburgh med school is better(well at least ranked higher) than vanderbilt. if i go to pittsburgh i’m guaranteed to be accepted to their med school.

location: vanderbilt for me is best. it’s warmer there and it’s in music city after all
pittsburgh is nice and it’ll be somewhere new for me.
notre dame…eh…not so great…it’s even colder and indiana is like desolate…at least that’s what i feel like

campus: vandy’s campus is beautiful but so is notre dame. idk about pittsburgh though

dorms: vandy’s dorms are really nice. but pittsburgh is the best. idk about notre dame’s

food: can’t really compare cuz i’ve only had food at vandy which is really good

comfort: i feel very happy at vandy but i haven’t been to notredame or pitts which i’m going to visit this week.

problems: vandy: greek societies, alcohol, lots of frat parties, i heard it’s very preppy too (not that it’s a bad thing…it might be hard for me to fit in)
notre dame: even a bigger party school apparently, catholic (i’m not christian), i feel it’ll be hard for me to fit in
pittsburgh; i haven’t heard of any partying much there but the students there are less motivated academically and i want to surround myself with students who are academically motivated as well as fun

the people: vanderbilt: preppy, rich, snobby?? i dont believe that’s true but that’s what i heard
notre dame: catholics, extremely religious, obsessed with sports (im not that into it),
pittsburgh: idk

i know that it does not matter which school i go to for pre meds but i want to go to a good school.
washu was the top on my list because their med program is amazing but cost is the issue

so i’m stuck between these three. they are all good schools with their pros/cons but i can’t decide X(
vanderbilt i feel is the one for me but it’s also the most expensive.
btw. money is not the problem. right now. i can go to any of them without financial problems. so please no choices based on cost only thanks though

if its any help at all i would go with the pittsburgh for the full tuition scholarship

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I grew up in a conservative family, I’m still very socially conservative since I am Christian. I generally vote for republican candidates (those that don’t support abortion) but fiscally/economically I’m confused ever since the economy tanked.

Basically I’m anti big spending/ racking up debt, I’m for capitalism and free market because of the fact it creates competition and innovation and fast progress in technology which is always needed.

However after following the news of various sources (even fox news) it’s clear that greed and corruption in wall st. was a huge part of this mess. I am very anti-greed and corruption and hate it when I see it in businesses and services I use everyday. I hate being nickled and dimed especially as a college student on a less than $1000 budget despite working and selling what I can for income.

Basically I just recently read about the recent Financial Reform that was passed and I am clearly for it. I support free market and capitalism but believe that for it to be most effective there needs to be some kind of oversight and transparency to prevent greed and corruption from Big Business that got us into this mess.

I am for Businesses that are ethical if that makes sense. I hope to start a Business someday time permitting. But I am not for Big Business controlling everything.

I don’t think money is the root of all evil but I don’t love money either, I believe it’s a necessary evil.

Basically I’m anti Big Government and Big Business since both are subject to corruption.

I think the best way is a mixture of both, meaning capitalism and free market free to do its thing with sufficient oversight and laws to follow to prevent what happened.

With this views, should I just consider myself a moderate or independent and stay away from politics or am I still a Republican?
@emp: exactly which is why except for this financial reform package I don’t support this current administration and obama. I didn’t vote for obama.

With the health care I am undecided since I don’t know enough about it. I do know I’m glad I can be on my parents plan until 26 since I’m 22 now and can’t afford my own health care until I graduate later next year.
@ruth, that is why I am confused, I want there to be job creation but without some kind of new laws to prevent corruption this economic disaster could happen again someday.

Look, only an idiot decides they’re republican or democrat instead of picking pieces of each platform that they like. The point is to be informed in the issues and rounded as a person, you don’t need to say you support either party if you can honestly say you don’t practice ignorance.

Unfortunately, with the downturn in the U.S. economy, credit card debt problems have become one of the biggest challenges facing Christians and their families as they strive to have a healthy financial future. Credit card debt is crippling not just Christians, but all Americans, regardless of faith or race or gender. The good news is that there are Christian debt relief solutions available that can help resolve this credit card debt predicament. Christian credit card settlement and Christian consumer credit counseling may be viable options that allow Christians to avoid filing bankruptcy yet still give the hope of a debt free future. There are three primary methods of resolving credit card debt and other unsecured debt problems. The most important step is to get started and begin your research of the different solutions. A debt free future is within your grasp, if you make a plan, and commit yourself to improving your financial situation.

<b><u>Debt Consolidation Loans</b></u> – Debt consolidation loans are one of the first Christian debt relief solutions that come to mind when it is time to resolve credit card debt issues and build a better financial future. The “catch” with <a href=”http://www.christiandebtconsolidation.net/DebtConsolidation.htm”>debt consolidation loans</a> is that they almost always will need to be secured with collateral in order to qualify for the loan at a favorable interest rate. And the collateral will undoubtedly be your home. This conversion of unsecured debts to “secured debts” can be a risky path to start down. If you are already experiencing an unsecured debt problem, and it occurred because of some unforeseen circumstances like extended job loss or family illness, then you realize there is a chance something similar could happen again. If you find yourself in a similar financial crisis and cannot make your payments, the reality is that you could lose your home. The advantages are a single monthly payment at an interest rate that most definitely will be far less than you currently pay your credit cards, and a more rapid elimination of your debt problem than just continuing to make the monthly payments to your creditors.

<b><u>Christian Credit Card Settlement</b></u> – Less well known but becoming a more attractive form of Christian Debt Relief is Christian credit card settlement. Debt settlement is a debt reduction solution involving the negotiating of creditor balances down to a mutually agreed upon “reduced amount” that is considered payment in full by the creditor. Christian credit card settlement companies are for profit entities, and perform this negotiation directly with the contracted creditors on your behalf. Christian debt settlement is gaining in its popularity because it is certainly a feasible alternative to bankruptcy since the creditor receives a reduced offer they find acceptable, and do not go away with nothing. Christian debt settlement is also a fast way of reducing credit card and unsecured debt problems. Christian credit card settlement companies do provide complimentary consultations to review the specifics of their program, and there is no obligation for the free consultation.

<b><u>Christian Consumer Credit Counseling</b></u> – More familiar and also a viable Christian debt relief solution to investigate is Christian consumer credit counseling. Christian consumer credit counseling agencies are non profit organizations that will assist Christians with a detailed analysis of their financial situation. If a certified credit counselor feels that a credit card debt problem cannot be solved with basic changes in spending and budgeting, they will recommend a debt management plan. The debt management (repayment) plan is designed to pay the creditors in full for the current balances due, and then any interest charges that continue to accrue on those accounts. Christian consumer credit counseling agencies will negotiate interest rates down with each individual creditor, and can sometimes get the interest to stop altogether. A single monthly payment is part of the credit counseling repayment plan with the agency distributing this payment to the assorted creditors in your plan. The consultation process is free and without obligation.

If your goal is a healthy financial future, and you are currently struggling with credit card debt and other financial problems, then the first step is to assess where you currently stand financially. Next, begin the important research of possible Christian debt relief solutions that are available, including Christian credit card settlement and Christian consumer credit counseling. Being proactive before “things get any worse” is critical to achieving your financial goals. If things are already extremely serious, there is still hope but time is of the essence. Make a plan and commit to taking action immediately. Keep in mind that you are not alone in your financial struggles.

Mansi Gupta
http://www.articlesbase.com/advertising-articles/christian-debt-relief-what-are-your-options-679759.html

I posted a question about the adoption of newborns a few days ago. I indicated that I am going to put my baby up for adoption when he/she is born and a lot of people got really mad. They acted like its what I wanted to do, like I was a horrible person. The thing is, I do want to keep my baby. I always did. The first week I knew I was pregnant I made an appointment with a Ob-gyn. I told my gyno I was considering adoption (my bf wanted me to since I wouldn’t abort) and she told me of a Christian, financially stable family who she knew personally. They were desperate for a child. I told her that I would consider it. By the next week she told me how excited the family was. They had called her a day before my appointment because they just couldn’t wait to see if my baby had a heartbeat and wanted to know if I was still considering it. I said yes. Now I feel obligated to do this. I don’t know how I could keep it. Im a student and $18,000 in debt because of my student loans. If I don’t go back to school soon Im going to have to start paying it back without a degree. Compile this with the problem that my family is not supportive, nor is the baby’s dad. I need to stay on my dad’s insurance so that the birth of this baby is paid for (yes his insurance covers this) but because Im a dependent on him, I don’t qualify for financial aid. Sure I can work, but when the baby comes I’d have to pay for daycare while Im at work, which isn’t covered by any minimum wage job. My parents took away everything, my apartment, my car, and all help. This is why Im choosing adoption. Everyone seemed to hate me for it but what am I supposed to do? Im living with my bf in an apartment that Im not even supposed to be in because Im not on the lease. Im 800 miles away from my family and they hate me anyway. This potential adoptive family is so excited. They even told me their names. I think it would be cruel to keep my baby. How would I be able to keep this baby? You all seem to think Im making the wrong decision so any ideas? Ive applied for so many jobs down here, but without a degree nothing seems to pay enough.
Thanks for all the answers. I will be changing doctors and my number. I didnt realize she violated any rule, the way I saw it I assumed she was just trying to help but now I feel uncomfotable even going for regular check ups at her office. I just want out of this mess now. I want to keep my baby and Im thinking about going to my BFs parents for help. Thanks so much for all the advice. I had no idea of all the aid available. As for best answer, they are almost all good. Im going to let you guys vote that out. Please vote fairly and not just for your own unless yours is honestly the best. THANK YOU ALL.

Some thoughts:

–You doctor should be reported to the AMA for violating HIPPA regulations. You also need a new doctor asap.

–Time to declare independence from mom & dad. Being on their insurance is costing you $. You ought to get on Medicaid and WIC asap. If thousands of immigrants do this daily, why not you? Our neighbors to the South don’t give up kids—why should we? Then your medical will be paid for and you’ll qualify for financial aid instead of those loans.

–Doesn’t matter what the boyfriend wants—he’s on the hook. You need to call your parents (and his) and let them know that you will be keeping their grandchild and you could use all the help you could get. If they don’t help, tell them you’ll be calling other relatives and friends to ask for help. I think it’s pretty disgusting that your parents write you off on their taxes (that’s why you can’t get aid) but refuse to help.

–There are places where you can work AND get free daycare—preschools, universities.

Once you put your mind to doing the right thing—opportunities will fall into place. Luck meets ACTION and resolve and you and your child will be just fine.

These “Christians” need to take a hike. If you decide to raise your own child, just tell them to stop harassing you. To them your child is just a baby—they’ll get another. This baby is NOT replaceable to you.

Trust me, I have a mother (whom I’ve been reunited with for over 20 years) who has never gotten over losing her only child—me. You’ll get a college degree eventually. Might take a year or two longer, but it will certainly be a hollow victory if your beautiful baby is being raised by strangers.

I so wish I had been raised by my own Mama.