posted on August 25, 2004 01:50:50 AM new
Wow that's a lot of equity. Now this is probably a silly question but I will ask it anyway. If you have not refinanced - have you consider doing so?
posted on August 25, 2004 05:23:38 AM new
sw said-
he told me tonite he would continue paying mtg indefinitely if thats what it takes to keep me here. one night w/o fights about money. its a start.
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now,tell me,would a dog be able to do that??
a dog may be a man 's best friend,but it cannot replace a man.
-sig file -------we eat to live,not live to eat.
Benjamin Franklin
posted on August 25, 2004 05:40:00 AM new
I am so glad the BF stepped up to the plate and offered help. I agree with other posters that you see a professional and get some good antidepressant drugs. There is no shame in that, it could be a simple chemical imbalance and when all the bad stuff hits you are unable to handle it. You have had a stretch of really bad luck and need a little help. I take them and will have to for life, they do not make you act as if you are in la-la land, just lighten the mood and spirit so you can go on. I agree a few days or weeks off eBay would help ease the burnout. I did that last year and missed it terribly and came back with renewed energy. I did have to take a part-time job two days a week to help get through the slump times, I only make $10.00 an hour but I can count on that money when eBay slows down and I love the job. The job also gets me out into the regular world with people who appreciate and value me, a good thing when the eBay gremlins are at work trying to bring you down. Good luck and hang in there!
posted on August 25, 2004 07:12:41 AM new
Quote:"I'm sure you're all wrong.
the republicans say the economy is booming, there are millions of well paying jobs, taxes are lower.... so what's the problem?"
~~~~~~~~~~~~~~~
Must be where you live. In Texas, the economy IS booming, there ARE millions of well paying jobs, and the taxes ARE lower. Including no state income tax. Why don't you move? No, on second thought, just stay where you are.
posted on August 25, 2004 07:37:53 AM new
southwest, i am sure you will need to be very creative to get past this.
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~~ Keep thy heart with all diligence for out of it are the issues(forces)of life..Proverbs 4:23~~
posted on August 25, 2004 08:44:05 AM new
Trickle-down??
Dubya gets da HOOVER AWARD as da first "president" since Herbert ("Prosperity is just around the corner) Hoover to bless the USA with a NET LOSS OF JOBS!
posted on August 25, 2004 08:49:59 AM new
I am sorry for your situation. I am a 64 year old female, and my husband and I have been selling on eBay since 1996. We are full time in sales on the internet.
Personally, I’d take bankruptcy and start a new.
We would be grazing in the back yard if we had to depend on eBay for income. In the early days, (mid 90’s and such) it was great, but PTL, we diversified early, opened a web site, my husband diligently studied and continues to weekly keep up with changes in the “desires of the search engines,” how to promote our site, and back then eBay allowed links to ones web site. We now have 4 separate web sites operating.
We would be drowning too, IF it weren’t for our web sites, which support us, 1 full time worker and 2 part time workers.
I know this is hard to believe but back then, many people didn’t even have pictures on their ads, and the few that did were totally relying on a scanner. We had to write all of our own HTML, and a couple of times I couldn’t figure out how to code something n HTML, and [b[I wrote “Pro. Griff,” at eBay (he wasn’t “Prof.” back then) and he wrote the HTML coding for me and sent it to me!!!.[/b] THOSE WERE THE GOOD OLE DAYS – but those days are gone.
An eBay store is a start in diversification, but I’d strongly recommend for anyone who is fulltime sales on the internet – who is relying on eBay alone, to branch out and fast, as it takes a goodly while to establish a web site and get the type of traffic one needs to create a good living – you CAN’T just “build it and they will come.” There is a great deal involved in a successful web site.
If you have tons of inventory and need to dump some, have an auction. I don’t know about your state but in Alabama you can auction off anything yourself WITHOUT an auctioneer’s license, as long as it is your own property. OR have a major yard sale, or supplement by doing flea markets.
You also sound like you have MAJOR BURN OUT, and I understand that. I have encountered it a few times even when business was good. In one burnout period I even planned a whole change in our business lives, I was just so sick and tired of the e-commerce business – I pulled back for a few weeks, and then the burning died out, and I was back at it again.
I agree with everyone else – get counseling! Don’t make major decisions when you are in the state of mind you are obviously end – get HELP!
posted on August 25, 2004 10:23:38 AM new
I'm late to the prom but I haven't read anything about STC expecting pity.
What, you've never heard the expression "house rich, cash poor"?
Equity is only good if you can use it. To use it, you either have to cash it in or borrow against it. STC already said the co-owner won't sell or buy her out. That leaves borrowing...and I'm guessing the boyfriend won't go for that, either, since he would have to co-sign a home equity loan.
And there's no reason why he should get on the hook for this. It's HER debt, why should he risk his home? Especially when she's not exactly (please pardon me for saying this, STC) in a mental and emotional state where she is making sound financial decisions.
posted on August 25, 2004 10:33:13 AM new
"Quote:"I'm sure you're all wrong.
the republicans say the economy is booming, there are millions of well paying jobs, taxes are lower.... so what's the problem?"
~~~~~~~~~~~~~~~
Must be where you live. In Texas, the economy IS booming, there ARE millions of well paying jobs, and the taxes ARE lower. Including no state income tax. Why don't you move? No, on second thought, just stay where you are. "
Must be one of those very defensive Republicans who agrees with you and turns it into an argument
posted on August 25, 2004 10:33:26 AM new
A lot of nice people here told a lot of tough stories that normally don't tell, even me.
I think you may have helped more than yourself with this thread. I for one don't feel so all alone any more, that it is common stuff to a lot of us. Makes my burden a little lighter to handle.
I got luck after being widowed twice (the heartbreak and the financial costs of their cancer hit me hard, twice in 5 years) , found a third good one to marry, with a good job and a nice house AND SUPPORTIVE personality.
And with 640K of equity, I guess bankrupsy is NOT the thing to do. You have a big asset. As long as you BF is supportive and kind, you are not alone.
posted on August 25, 2004 12:43:19 PM new
southwest
I just got back from vacation, so I'm late in joining in. I went through bankruptcy about 6 months ago. While it's a blow to your ego, sometimes it's necessary. It wasn't as painful as I thought it would be, though. They didn't make me prove anything other than the bills I couldn't pay. Sometimes, it's the only thing you can do.
There was a girl before me when I went to the meeting of creditors. She sat there talking to the trustee with a Vitton (sp?) handbag sitting next to her and wearing what were clearly designer clothing. Those are the people filing bankruptcy that bother me the most.
If you have to file bankruptcy, try to keep the chin up. It's depressing at first, but like everything else, you get over it and are made stronger by it. NO ONE can sell me anything anymore. I get more offers to buy cars now than I did when I could pay all the bills! LOL! I just toss them in the trash.
Good luck to you.
Cheryl
. . .if you still try to defend the infamies and horrors perpetrated by that Antichrist- I really believe he is Antichrist- I will have nothing more to do with you and you are no longer my friend.. . - War and Peace, Tolstoy
posted on August 25, 2004 12:56:02 PM new
Quote: "Must be one of those very defensive Republicans who agrees with you and turns it into an argument"
~~~~~~~~~~~~~~~~~
Nope, Not a republican, I'm an independent. I don't see anything turned into an argument, just stating the facts. More and more of the Fortune 500 are moving their headquarters to Texas, especially the Dallas/Ft. Worth Metroplex. Of the 9 top cities in population in the U.S., 3 are in Texas: Houston, Dallas, and San Antonio. We must be doing something right.
posted on August 25, 2004 09:51:59 PM newOf the 9 top cities in population in the U.S., 3 are in Texas: Houston, Dallas, and San Antonio. We must be doing something right.
Being on border of Mexico is why. I don't think anyone in Texas had anything to do with that.
posted on August 25, 2004 11:21:44 PM new
Sorry to hear about your problems. Your local hospital should have a support group to go to. Whether it be a problem with money or BF it would be to your advantage to check. Talking to someone you don't know about your problems helps. Being with a group is even better. Went to my physician for a test and had a really nice talk with her. She took time out and spent another 30 minutes just talking and I felt better when I left.
As for Bankrupcy find a new Bankrupcy lawyer. See what they have to say. They advertise all the time on TV. Some are in the $650 range I saw an add for one that charged $450.00 We have a friend going through it. She can keep the home, car, some cash. But I don't know about that high equity in your house. With that much equity it is probably a hard house to sell. You just have to find the right attorney and you should be good to go. Good Luck and keep us posted.
Welcome back Cheryl hope you had a great time on your vacation. Well rested and ready to go back to work.
