Career government loan

Questions and Answers

Can you get a Career Development Loan if you have a really bad credit rating?

Q) I assumed they were loaned form the Government but now I find out that they come from High Street Banks. As we couldn't even get a mortgage from the high street banks because of our credit rating how likely are they to let you have a CDL? I'm thinking not very likely and wonder if its even worth bothering to apply. It seems very unfair - the reason people have bad credit ratings is because of (well in our case) drop in income and financial problems and retraining is a way to remedy this (in the hope it enables you to get a better job), so why should people be prevented from retraining by their credit rating? What does the Government have to say about this?

A) Totally agree. I wanted to apply for a CDL but got put off when they said that in order for me to get the loan, I would be credit checked by the 2 banks to determine whether or not I was successful. I spoke to a member of staff who said that they can make some exceptions and can look into it on an individual basis. But personally I'm not too convinced.

Are there any government grants or loans for a single mom to start real estate career?

Q) I passed my state exam but need approximately $2,000 for all of the fees.

A) I doubt that you will find any government money but there are some brokers that will cover the cost and deduct it from future commissions. Or sell new homes, you don't have to be a board member for that and the builder picks up all the office expense.

when will the government start adding careers rather than jobs?

Q) a career typically pays more (yes, money is not always the most important thing in life and some careers do pay less) however food, bills, housing, student and auot loans and maintaining decent credit, gifts for your child's birthdays, parents anniversaries, holidays, etc... are necessary. Does the president's children or any past presidents children have jobs or do they have careers? instead of gloating about how many terrific new jobs our economy has gained has anyone(politician) realized that it takes two to three jobs to equal one (typical) career?

A) It is NOT the government's job to create jobs or careers. The best they can, and should do, is provide what limited services they are required to provide, at the lowest possible cost, so that taxes are as low as possible.

Single parent w/too much student loan debt afford living, and too much income for assistance, any answers?

Q) I have recently decided that I can no longer live w/my toxic parents. Which means my 6.5 y.o. daughter and I are now homeless. Currently we are staying at my sister's house, but it is clear we will not be allowed this luxury for long. I have a good career and work full-time, but I borrowed so much money while in school, my student loan debt is greater than 1/2 my income and w/other debt I basically have zero dollars left for child care or housing, my sister is a teacher and is off in the summer, but once school starts I will be homeless and w/out child car and this will make employment difficult, I have been looking at government resources, but b/c they mostly go by income and household size I do not qualify. I am basically looking at moving into a shelter with two bachelor degrees and a full time job as a registered nurse.this is why I went to school in the first place to provide for myself and my daughter.The parents are no longer an option and I have no friends in this state

A) Good news is your daughter is old enough to be in school. That made my life easier, I know. I would suggest finding a school with on-site daycare, or a daycare that will drop your daughter off at school and pick her up. I'd also suggest researching online for a city in your metropolitan area with the lowest cost of living, possibly even move to a cheaper metropolitan area, if necessary. You could always look online to find out where registered nurses are needed most - where there's high demand, there's better pay. I'd also recommend consolidating your student loans (if you haven't) and also call and formally request a forebearance. Even a year of no loan payments can make a big difference in you getting your life in order. I am with you on the toxic parents. I understand your predicament. I had to get very creative, and call lots of daycares, apartments, credit/loan people, everything I could think of. I promise you it will level out eventually - you just have to be strong enough to stick it out right now. And with a 6 year old and two degrees, its' clear to me you're strong enough for this. My advice is don't be afraid to ask for help, don't be afraid to move to survive, and don't be give up. I got lucky and did not have to move far only 4 cities over. I only had to get a 6 month forebearance on my loans, and had to change jobs. We survived in a one-bedroom place for 4 years, and now we're doing great. You can do this.

How am I going to afford an education for a second career?

Q) Currently, I am an elementary school teacher, at 27 years of age. I utterly despise my career and attending school to become a doctor. At this point, I will have to resign from my teaching position by December of 2007 to pursue my education full time. I have excellent grades but am not eligible for government aid because I already have a bachelor's degree. In the past, I relied on my academic merit to obtain scholarships and other forms of aid. Now, I don't know what other options I have. The only option I can think of is to take out a student loan to cover my tuition and living expenses. I'm praying a lot, but no help there. LOL!!! I need a lot of encouragement because I'm scared. (Plus, I am not eligible for scholarships because I am taking prerequisites to take the MCAT and enter medical school).

A) Think of this as part of your medical education, and realize that the tuition is an investment in your future. Unless you plan to practice in a free clinic in a poor area, you can expect to make enough money to pay back the loans in a few years after finishing medical school. This makes it very different from your first degree, because it would have been a big burden to you as an elementary school teacher to have to pay back major loans. You might want to talk to someone in your school's financial aid office to see if there are any scholarships out there for people like you. I would guess not right now, since you are not currently in a degree program, but it is worth a try. Know that almost all professionals go through this; the loans seem insurmountable, but are paid off before you realize it.

I inadvertently became a redneck. Now what?

Q) I am in my mid 30's, married, have two children, bought a house in a rural small town, got a pickup truck and suddenly realized that I now what I had always despised. It all started quite simply. I got married, had a child and then the wife decided that we needed to buy a house. The problem is that she is a career student, so we are living off my income. So, when she started looking at house loans, she found a no down payment government loan that required us to buy a house in a rural town. I had always biked to work, so my wife's car was always enough. But, now that we would be living out of town, my father-in-law offered to give me his old pickup, so that I would have a vehicle. So, now, I can no longer cycle to work, and have to drive miles to go shopping. This is how I became a redneck. Guess I'm SOL. Any advice?

A) Move north. You will be reclassified as a hillbilly.

Does the US GOVERNMENT order corporate HR DEPARTMENTS to hire PREDOMINANTLY WHITE ?

Q) . For reasons of securing a future for WHITE PEOPLE and to help aid in the repayment of their student loans.... thus placing BLACK PEOPLE in a position that will harm their future career and financial status with outstanding student loans, credit card debt, and a poorly funded retirement savings? I BELIEVE SO... WHITEY IS BACK AT IT AGAIN... THIS TIME ......IT'S RACISM ON PAPER. PHANWA IN THE MACHINE

A) You're just an ignorant fool who is looking to stir up trouble.

should i change my career path?

Q) I recently enrolled into an auto motive school but am having second thoughts. I want to go to a different school and become a criminal investigator. I can even transfer over my student loans. but the only problem is i have a misdemeanor marijauna charge and i dont know if i would be elligable for a job with the government if i have a record.My question is will having the possesion charge on my record affect my ability to land a job as a criminal investigator? -the charge happend when i was 18. I am now 21 and have long since learned from my mistake.

A) Follow your dreams if you do not you will always look back and say I wonder what would have happened if I did this... I do not think you will have that much trouble getting a job...... If there is a will there is a way.... Can you get that erased somehow??? I

Education loans.....Was wondering how it works.....?

Q) I am 43 years old wanting to go back to school for a career change. The last time I went to school I was in my early twenties and I went on a government grant. So, once I apply for loan.....I have to figure out how much total I will need. How is the money disbursed? Will I have to reapply each semester for the classes I will be taking or is it like a construction loan where you get money in draws????

A) The Lender will distribute the money by check to your school's financial aid office. The school will take their cut of the fees you owe them, and then distribute wha'ts left to you on check. You could always contact the financial aid office of the school you want to go to and ask for details. School websites usually have lots of information about financial aid as well.

Was the Reagan Administration the most corrupt ever?

Q) Ronald Reagan's Criminal Administration: "By the end of his term, 138 Reagan administration officials had been convicted, had been indicted, or had been the subject of official investigations for official misconduct and/or criminal violations. In terms of number of officials involved, the record of his administration was the worst ever." James Watt, Reagan's Secretary of the Interior was indicted on 41 felony counts for using connections at the Department of Housing and Urban Development to help his private clients seek federal funds for housing projects in Maryland, New Jersey, Massachusetts, Puerto Rico and the Virgin Islands. Watt conceded that he had received $500,000 from clients who were granted very favorable housing contracts after he had intervened on their behalf. In testifying before a House committee Watt said: "That's what they offered and it sounded like a lot of money to me, and we settled on it." Watt was eventually sentenced to five years in prison and 500 hours of community service. Although not convicted, Edwin Meese III, resigned as Reagan's Attorney General after having been the subject of investigations by the United States Office of the Independent Counsel on two occasions (Wedtech and Iran-Contra), during the 3 short years he was in office. E. Bob Wallach, close friend and law classmate of Attorney General Edwin Meese, was sentenced to six years in prison and fined $250,000 in connection with the Wedtech influence-peddling scandal. Lyn Nofziger--Convicted on charges of illegal lobbying of White House in Wedtech scandal. Michael Deaver received three years' probation and was fined one hundred thousand dollars after being convicted for lying to a congressional subcommittee and a federal grand jury about his lobbying activities after leaving the White House. The Iran-Contra scandal. In June, 1984, at a National Security Council meeting, CIA Director Casey urged President Reagan to seek third-party aid for the Nicaraguan contras. Secretary of State Schultz warned that it would be an "impeachable offense" if the U.S. government acted as conduit for such secret funding. But that didn't stop them. That same day, Oliver North was seeking third-party aid for the contras. But Reagan, the "teflon President" avoided serious charges or impeachment. Casper Weinberger was Secretary of Defense during Iran-Contra. In June 1992 he was indicted by a federal grand jury on charges of concealing from congressional investigators and prosecutors thousands of pages of his handwritten notes. The personal memoirs taken during high level meetings, detailed events in 1985 and 1986 involving the Iran-Contra affair. Weinberger claimed he was being unfairly prosecuted because he would not provide information incriminating Ronald Reagan. Weinberger was scheduled to go on trial January 5, 1993, where the contents of his notes would have come to light and may have implicated other, unindicted conspirators. While Weinberger was never directly linked to the covert operations phase of the Iran-Contra affair, he is believed to have been involved in the cover-up of the ensuing scandal. According to Special Prosecutor Lawrence Walsh, Weinberger's notes contain evidence of a conspiracy among the highest ranking Reagan Administration officials to lie to congress and the American public. Some of the notes are believed to have evidence against then Vice-President George Bush who pardoned Weinberger to keep him from going to trial. Raymond Donovan, Secretary of Labor indicted for defrauding the New York City Transit Authority of $7.4. million. { Republicans will point out that Donovan was acquitted. And that really matters in Donovan's case, because he was a Republican. But it didn't matter for Clinton or any of his cabinet, most all of whom were acquitted, because they were Democrats!} Elliott Abrams was appointed by President Reagan in 1985 to head the State Department's Latin American Bureau. He was closely linked with ex-White House aide Lt. Col. Oliver North's covert movement to aid the Contras. Working for North, Abrams coordinated inter-agency support for the contras and helped solicit illegal funding from foreign powers as well as domestic contributors. Abrams agreed to cooperate with Iran-Contra investigators and pled guilty to two charges reduced to misdemeanors. He was sentenced in 1991 to two years probation and 100 hours of community service but was pardoned by President George Bush. Robert C. McFarlane was appointed Ronald Reagan's National Security Advisor in October 1983 and become well-known as a champion of the MX missile program in his role as White House liaison to congress. In 1984, Mc Farlane initiated the review of U.S. policy towards Iran that led directly to the arms for hostages deal. He also supervised early National Security Council efforts to support the Contras. Shortly after the Iran-Contra scandal was revealed in early 1987, McFarlane took an overdose of the tranquilizer Valium in an attempt to end his life. In his own words: "What really drove me to despair was a sense of having failed the country." McFarlane pled guilty to four misdemeanors and was sentenced to two years probation and 200 hours of community service. He was also fined $20,000. He received a blanket pardon from President George Bush. Oliver North--Convicted of falsifying and destroying documents, accepting an illegal gratuity, and aiding and abetting the obstruction of Congress. Conviction overturned on appeal due to legal technicalities. John Poindexter, Reagan's national security advisor, --guilty of five criminal counts involving conspiracy to mislead Congress, obstructing congressional inquiries, lying to lawmakers, used "high national security" to mask deceit and wrong-doing. Richard Secord pleaded guilty to a felony charge of lying to Congress over Iran-Contra. Alan D. Fiers was the Chief of the Central Intelligence Agency's Central American Task Force. Fiers pled guilty in 1991 to two counts of withholding information from congress about Oliver North's activities and the diversion of Iran arms sale money to aid the Contras. He was sentenced to one year of probation and 100 hours of community service. Fiers agreed to cooperate with prosecutors in exchange for having his felonies reduced to misdemeanors and his testimony gave a boost to the long standing criminal investigation of Lawrence Walsh, Special Prosecutor. Fiers testified that he and three CIA colleagues knew by mid-1986 that profits from the TOW and HAWK missile sales to Iran were being diverted to the Contras months before it became public knowledge. Alan Fiers received a blanket pardon for his crimes from President Bush. Clair George was Chief of the CIA's Division of Covert Operations under President Reagan. In August 1992 a hung jury led U.S. District Judge Royce Lamberth to declare a mistrial in the case of Clair George who was accused of concealing from Congress his knowledge of the Iran-Contra affair. George had been named by Alan Fiers when Fiers turned state's evidence for Lawrence Walsh's investigation. In a second trial on charges of perjury, false statements and obstruction of justice, George was convicted of lying to two congressional committees in 1986. George faced a maximum five year federal prison sentence and a $20,000 fine for each of the two convictions. Jurors cleared George of five other charges including two counts of lying to a federal grand jury. Those charges would have carried a mandatory 10 months in prison upon conviction. Clair George received a blanket pardon for his crimes from President George Bush. Duane R. (Dewey) Clarridge was head of the CIA's Western European Division under President Reagan. He was indicted on November 29, 1991 for lying to congress and to the Tower Commission that investigated Iran- Contra. Clarridge was charged with five counts of perjury and two counts of making false statements for covering up his knowledge of a November 25, 1985 shipment of HAWK missiles to Iran. Clarridge was also suspected of diverting to the Contras weapons that were originally intended for the Afghan mujahaddeen guerrillas. Clarridge received a blanket pardon for his crimes on Christmas Eve 1992 from President George Bush. Environmental Protection Agency's favoritism toward polluters. Assistant administrator unduly influenced by chemical industry lobbyists. Another administrator resigned after pressuring employees to tone down a critical report on a chemical company accused of illegal pollution in Michigan. The deputy chief of federal activities was accused of compiling an interagency "hit" or "enemies" list, like those kept in the Nixon Watergate period, singling out career employees to be hired, fired or promoted according to political beliefs. Anne Gorscuh Burford resigned amid accusations she politically manipulated the Superfund money. Rita Lavelle was fired after accusing a senior EPA official of "systematically alienating the business community." She was later indicted, tried and convicted of lying to Congress and served three months of a six-month prison sentence. After an extensive investigation, in August 1984, a House of Representatives subcommittee concluded that top-level EPA appointees by Reagan for three years "violated their public trust by disregarding the public health and the environment, manipulating the Superfund program for political purposes, engaging in unethical conduct and participating in other abuses.". Neglected nuclear safety. A critical situation involving nuclear safety had been allowed to develop during the Reagan era. Immense sums, estimated at 200 billion or more, would be required in the 1990s to replace and make safe America's neglected, aging, deteriorating, and dangerous nuclear facilities. Savings & Loan Bail-out. Hundreds of billions of dollars were needed to bail out savings and loan institutions that either had failed during the deregulation frenzy of the eighties or were in danger of bankruptcy. Reckless airline deregulation. Deregulation of airline industry took too broad a sweep, endangering public safety. Additionally: Richard Allen, National Security adviser resigned amid controversy over an honorarium he received for arranging an interview with Nancy Reagan. Richard Beggs, chief administrator at NASA was indicted for defrauding the government while an executive at General Dynamics. Guy Flake, Deputy Secretary of Commerce, resigned after allegations of a conflict of interest in contract negotiations. Louis Glutfrida, Director of the Federal Emergency Management Agency resigned amid allegations of misuses of government property. Edwin Gray, Chairman of the Federal Home Loan Bank was charged with illegally repaying himself and his wife $26,000 in travel costs. Max Hugel, CIA chief of covert operations who resigned after allegations of fraudulent financial dealings. Carlos Campbell, Assistant Secretary of Commerce resigned over charges of awarding federal grants to his personal friends' firms. John Fedders, chief of enforcement for the Securities and Exchange Commission resigned over charges of beating his wife. Arthur Hayes, Commissioner of the Food and Drug Administration resigned over illegal travel reimbursements. J. Lynn Helms, chief of the Federal Aviation Administration resigned over a grand jury investigation of illegal business activities. Marjory Mecklenburg, Deputy Assistant Secretary of the Department of Health and Human Resources resigned over irregularities on her travel vouchers. Robert Nimmo, head of the Veterans Administration resigned when a report criticized him for improper use of government funds. J. William Petro, U.S. Attorney fired and fined for tipping off an acquaintance about a forthcoming Grand Jury investigation. Thomas C. Reed, White House counselor and National Security Council adviser resigned and paid a $427,000 fine for stock market insider trading. Emanuel Savas, Assistant Secretary of HUD resigned over assigning staff members to work on government time on a book that guilty to expense account fraud and accepting kickbacks on government contracts. Charles Wick, Director of the U.S. Information Agency investigated for taping conversations with public officials without their approval.

A) Bush is following in Reagan's footsteps. When do us citizens count ???? Thanks for all the info'.

Do people seriously want an 18 year veteran lobbyist for president?

Q) USA Today article: his résumé is that of a longtime Washington operative who has crossed ideological lines to represent corporate and foreign clients. Before he was elected to the Senate, Thompson spent nearly two decades in Washington as a lawyer-lobbyist, representing such entities as Westinghouse, the deposed government of Haiti, the Teamsters Union pension fund and the Tennessee Savings and Loan Association, according to Senate records and published accounts. USA Today further reported that Thompson re-registered as a lobbyist after leaving the Senate in 2002: After he left the Senate in 2003, Thompson resumed his acting career with a role as the district attorney on TV's Law & Order. Less visibly, he registered in 2004 as a lobbyist for Equitas, a company created to manage the asbestos liability for Lloyd's of London. April 30 issue of New York Magazine :"he spent eighteen years as a registered Washington lobbyist, doing the bidding of such high-powered clients as General Electric and Westinghouse, pushing for the passage of the deregulatory legislation that led to the savings-and-loan crisis of the eighties." Dina - http://answers.yahoo.com/question/index?qid=20070624050040AAxETzY&r=w&pa=FZptHWf.BGRX3OFMiTZTWBCP9THOBYX8VI98wIAd1JZ8lr7dkA--&paid=answered#JsdwLWP1BVdi0yvmubr8 You ridicule people in this question for not researching candidates and when I do, you say I am wasting time....can you say HYPOCRITE!!!!!

A) You can't waste time with silly people like Dina. The only reason people like Fred Thompson is because of his TV persona. There are plenty of legitimate GOP members who are more qualified than he is but since he's a TV star and America is addicted to TV, then they will vote for him no questions asked. People like Dina don't want to think, they just want the world to work their way with no questions asked.