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Free milf and daughter no creditcard no signup

It’s hard to argue with that, but I’ve been urging her to get a credit card because I think she needs to establish good credit.She has not had to find her own apartment or set up her cable or electricity account.Yes, more people than before are staying in the workforce past the traditional retirement age.They are also still a minority of people above the age of 65.Welcome to Ask the Bills, where every two weeks Helaine Olen answers readers’ questions about their most nagging personal finance and financial etiquette dilemmas. Email My daughter is 25 and still doesn’t have a credit card.She graduated from college a few years ago and is working in a great but low-paying job.And to be clear, I think it’s more likely than not that some portion of this debt will overwhelm you at some point. Declaring bankruptcy might give the two of you temporary breathing room, but if your wife doesn’t deal with the underlying problem, you’ll likely find yourself back in the same spot again—except by then you’ll possibly be out of the workforce, with little in the way of options.

Second, what percentage of my income should I be adding to it every month?One day they’ll need to sign an apartment lease or apply for a mortgage, the naysayers moan, and they’ll be denied because their credit report will be deemed skimpy. It’s almost certain that the holdouts will want a credit card as they age, if for no other reason than convenience. If your daughter’s habits are as good as you claim, it’s likely some outfit will issue her a credit card, even if she initially needs to turn to a secured credit card. In return for putting down a deposit, which protects the issuer on the off-chance your daughter does turn out to be a deadbeat, she’ll be issued credit. We have survived the past 12 years by exhausting an inheritance, using my retirement funds and money from the 529 funds set up by my mother-in-law for the kids, running up an equity loan against our house, and notching about ,000 in credit card debt.We are currently in a debt-management program paying off ,000 of the credit card debt, but we have no savings, no retirement, no college funds, and the home equity line comes due in 2017.Financial investments were always my ex-husband’s expertise, and I have no clue where to begin.I would like to keep contributing to my future retirement, but I have only been able to find part-time work while I take care of two children at home.It sounds like you and your wife earn too much money to declare Chapter 7 bankruptcy, which would allow for an immediate discharge of the obligations you can’t pay.Instead, you would need to file a Chapter 13 plan, which would put you on a monthly payment plan and would only discharge the unpayable debt after a few years of payments. It’s obvious you are living with an addict, someone who has a real issue controlling her spending.She lives with a few roommates, pays her own bills, and manages really well.But like many of her millennial pals, she uses her debit card exclusively.Since you are young, the vast majority should be in an S&P 500 fund, with a small portion in a bond fund. The ideal would be at least 10 percent, but it doesn’t sound like you are financially capable of that right now.If your current employer offers a retirement account, put as much in as the employer matches, which is often 3 percent. Admitting you need to learn more about money and taking charge of your own finances are the best ways to protect yourself going forward.

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