Aidpage

To the attention of:

Barack Obama, US President;
Chris Christie, Governor of New Jersey;
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Some may say I am stupid, nieve,greedy, or call me other names, names I have called myself. You can't be any harder on me than I am on myself, I feel like I have let my family down yet again, when all I was doing was trying to keep the roof over our heads. Because of my illness and several hospitalzions and not being able to work then going on SSDI my home went into forclosure, so after a visit to my bank one day I got a follow up call a short survey asking about the service I received in the bank that day, at the end of the survey I was asked if by chance I would like to become a Mystery Shopper and I said yes first of all it would make me feel useful again and for the next the extra money would help make ends meet as my medications alone are very expensive. I started out with my bank, and then to two other banks so when I was contacted by several people saying that they were manager from Western Union and would I like to becomw a Mystery Shopper for then I agreed. They stated sending postal money orders and certified checks which I would cash and them go to different location just like I would with the banks and send the money to the names in my assignment and I would come home and write up my report the same way I would the banks with the controls number. I did this from Dec. 31, 2010 to Jan 8th 2011 and no one told me ths the checks or money orders were conterfits the banks let then go through. On Jan 11,2011 I had palnned to visit my bank as I want to set up my on-line- bill- pay system on my way out I get another assignment for the so call Western Union people yes they would sent me my assignment by UPSit along with me waht you may say kill one bird with two stone. And for the first time after asking the bank to change the postal money orders I founds out that they were no good as I sat there I saw the Teller holding up one og the money order to the light and then she walked over to the other teller and then I heard her say call the faurd department I went over to see what was going on and eas told that the money orders were no good. They took then wrote void on them make copies. I called Western Union and gave then one of the control number for Dec.31.2010 and they told me it was a fraud and I should go to the police, so I did the police sent me back to the bank to see if they were going to hold responsibilie and sure enough they are they have taken the money all of $13,000.00 out of my account. The police told me that there is nothing they could do and that the detective said they would notify the FBI and Home Land Security but my money is gorn. The money I had put aside to give to the mortgage company forwards saving my home. I don't know where to go or what to do from here but if my story helps one person from making the same mistake I will be very happy. I just have one question how come the bank did not alert me when they alert me for every little thing else.

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Post Open Letter to your Elected Representatives

IF you in NE Ohio, motivated in  your life and would like to talk to other intelligent motivated folks about: Economic issues, resources, security, trends, alternative income sources, local services and products, health and wellness, business opportunities, investments,  etc.. 

Give me a shout.  I would like to get a weekly round table discussion going, by phone or local meet up. 

i lost a 260,000.00 dollar income, i am afraid of being able to recover, i have everything i need, i just want to hold on to some of my independence

Adding a Roommate to the Lease or Rental Agreement

Get your landlord's approval before a new person moves in.

Whether it's time to live with the one you love or you just need to replace a departing roommate, check with your landlord before letting a new person move in. Most landlords will insist that the new roommate become a co-tenant, having the same rights and responsibilities as you do.

Getting the Landlord's Approval

Obviously, you want to be sure that your new roommate is financially stable and compatible with you.

But even if you are satisfied with your intended co-tenant's stellar qualifications, it doesn't mean the landlord will take your word for it. To increase your chances of getting an official okay, consider these questions before approaching the landlord:

• Will adding a roommate exceed the occupancy limit? Landlords are entitled to set reasonable limits on the number of occupants per rental unit. As a general rule, that's two persons per bedroom plus one more, though some localities (such as New York City) allow more.
• Will the new roommate meet your landlord's good-tenant criteria? Many landlords subject prospective tenants to a thorough screening process, checking credit, employment, rental history, and references. Ask your prospective roommates to request a credit report on themselves. If the credit report is good, you'll want to hand it to the landlord with your proposed new tenant's application. Since the landlord will almost surely do this as well, doing it first gives you the opportunity to develop a plausible explanation for any negative information -- for example, a prior eviction or bankruptcy.

Unless you are on fairly close personal terms with your landlord, it's usually a good idea to write your landlord a note about your desire to add a roommate. This gives the landlord an unpressured opportunity to think about it. It is also your chance to sell your proposal by pointing out that your rental is big enough for another tenant and, assuming you already have someone lined up, that your new roommate will be a great tenant.

Adding a Roommate to the Lease or Rental Agreement

If your intended roommate passes the landlord's credit and reference checks, the landlord will probably ask both of you to sign a new lease or month-to-month agreement. From your landlord's point of view, this is far more than a formality, since it makes the new arrival a co-tenant who is 100% liable to pay rent and make good on any damage. It's also desirable from your perspective, because it makes it completely clear that your new roommate shares the same legal rights and responsibilities as you do.

More Roommates, More Rent

A landlord who agrees to an additional co-tenant will probably ask for a rent increase, on the theory that more residents means more wear and tear. By signing a new lease or rental agreement, you are in effect starting a new tenancy, so the landlord can increase rent immediately, rather than give you the usual 30 days' notice (for a month-to-month rental agreement) or wait until the lease ends.

Unless your rental unit is covered by rent control -- or if the landlord is using a big rent increase as a not-so-subtle way to discriminate against you for an illegal reason -- your landlord can ask for as much extra money as the market will bear.

Security Deposit Increases

The landlord also has the legal right to change other conditions of your tenancy when you add a roommate and sign a new agreement. One change that is particularly likely is an increase in the security deposit. However, this is one area where the sky is not the limit, because many states limit the amount of security deposits. Usually the limit is a multiple of the monthly rent, typically twice the monthly rent. Keep in mind that if the deposit is already at the maximum, but the landlord raises the rent for the new occupant, the maximum security deposit goes up, too.

Hi, I am a single mother, I'm looking for help for my daughter, I would like to be able to help her come up with the security deposit to get her a two bedroom apartment for her and her sons.  right now she's living in a one bedroom basement apartment, but needs two bedrooms, the basement apartment is not in the best shape and I would just love to be able to help her move.  Thanks and god Bless!

I've been diagnosed with a heart condition just this past December. I have worked and provided for myself and my 2 children who are now adults and they are on their own. I can't come up with the security deposit for an apartment and buy a car to get around in. I live with my daughter and her husband. They are very sweet but, I feel awful because they have only been married almost 3 years and of that small time I have been living with them off and on for a year. I really need to move out but don't have enough money. I was just  let go from my position that I had been working with a so called friend. I still have a job but, have not be called to work with the employer on a steady basis. My employer has other homes for me to work in but, I have not been called yet. I need to finish school but, every time I try I must accept work in order to support myself. I'm trying to do what I need to do but it is so frustrating when I have to back up and get side tracked. I don't expect a hand out just a loan of a good size to get an apartment and a car. The car is so that I can find better work as the kind of work that I do requires that I have transportation. The apartment can be small as I don't want to pay high rent. I believe with the kind of work (I am a residential caregiver) I would be able to afford a small apartment. I will pay the loan back at a reasonable rate and time. Thanks for your time and attention. I do need this help. Send the loan with the terms of repayment to DP pob 25264 Raleigh, NC 27611 I prefer to keep this strickly business and on the up and up. Thanks

Hi Im looking for help on getting an apartment for me my wife and tree kids. we are staying with some friends and need a place by sunday the 3rd. we dont have a security deposit and that is pretty much all that is stopping us we cant find anyone to help or is willing to work with us. i have a good job and can afford an appartment its just the security i dont have right now.

I am a 35 year old, single mother of 2 sons ages 11 and 16. I became disabled in 2003 from a birth defect I was unware I even had until then. I have had 3 spine suregerys and in need of more, but my main focus know is trying to find security for my sons and I. I have lost a business I had over 10 years, house was forclosed on, transportaion, savings, colleage funds, you name it - my ex cleaned me out while I was down physcailly. He is over 10,000 behind in Child support, I have been working to recieve Disablity for over 2 years, and family and friends have literly paid bills and neccesiaty's for simple survival. Which the burden has become to much to carry for them. I pray everyday for guidance and direction. I have tried to work, even with teh Dr saying DO NOT - you are chancing permenate paralisis. My greatest fear is when that day may come. So I had to stop.

Everyday it seems that something else is threw my way - air condtioner went out, dryer stopped working, need to find transportation to Dr, youngest needs dental work, I have 8 dollars for grocerys, ocer 2,000 past due in bills, I want to quit but I know I cant.

I need help, I need prayers, strength, support, direction and guidance. I want my life to change, I want to give my children some secuirty that it is all gonna be ok, we just got to hang on.

Anyway or anything that someone could do to help would be apprecaited greatly.

TO WHOM IT MAY CONCERN, I AM IN DESPARATE NEED OF DENTAL WORK. I RESIDE IN SAN DIEGO AND WILL DO CHORES TO RECIEVE FINACIAL HELP. I AM VERY GREATFUL TO ANYONE WHO CAN HELP. MAYBE HOUSEWORK, YARD CLEANING, BABYSITTING IRONING, WASHING ETC. I DON'T WANT TO SOUND LIKE SOME HOPELESS CASE, THIS IS JUST REAL SERIOUS1 I WANT TO BE ABLE TO SMILE AGAIN! THANK YOU IF YOU DO/DON' RESPOND TO THIS. GOD BLESS YOU ALL! PS. I DO WORK, BUT ALL OF MY MONEY IS TIED UP. AGAIN, THANK YOU FOR YOUR TIME IN THIS MATTER.

                                                                                             THE THANKYOU KID

Please help i am a single mum of three ages 13, 10 & 2, with a sick child (blood / bleeding disorder) debts coming out of my ears and no secure home (we have moved 23 times in 10 years) with childcare being such a nighmare i came to the decision to stop working for employers and instead have set up a busines and now work from home, although this is great for the children because they actually get a mum now instead of an exhusted robot things are difficult money wise.

In the long run this business will secure my childrens future, but i am falling before i even get started because of the debt my ex husband cleared off and left me in. we are about to lose our home again because of this debt.

My dream is to have somewher secure to live but for that i will need a deposit which is out of my reach to buy homes in the uk is ridiculously expensive! next is to be debt free, this will enable me to help myself and get the business off the ground & be a sucsess and lstly to give my children the time and future they deserve

I have no family who can help me and my ex certainley wont, his money covers the cost of his disgusting lifstlye as far as he concerned the kids dont fit into that. so i have no choice but to beg and pleed with any generous soul out there willing to offer advice and assistance.

Any excess money you send will be donated to the  ITP Foundation. (This is a charity both in the UK and USA that researchs the condition my daughter has) i will also donate to childline thank you in advance

I am a 33 year ld mum of three, trying desperatley to get out of the fincial & emotional mess my ex husband left us in.

I am trying to create a secure enviroment and future for my children.

I am also trying to set up my business which is a fantastic idea but requires money to start up

I am trying to help myself, but a little need help to do that.