Realizing that the laws in canada differ somewhat from the u.s., the office of consumer affairs might provide some assistance for you. There are certain exceptions to practices within each province. Most likely this debt will be turned over to a collection agency. If you contact the collection agency and explain that you do not have the means…[Read more]

I am sensing that you could do well in the field of broadcast journalism. Then you could branch out into other fields that you would enjoy. It make take a few years to get to exactly where you want to be professionally, but if you follow your interests you will be on the right path.

Once you finish with college and obtain a full time job you…[Read more]

Welcome to the forums!
Actually this forum is set up so that the participants can focus on a particular question. So if you could please ask a question we will be glad to help. It is easier to focus if just one question is asked at a time.

Best wishes,

Actually those of us posting replies in the forums are volunteers. Anyone can post and you are likely to get a different perspective from each person. I am a graduate student, but not a certified psychic. I try to focus on the question that the individual is asking. It really isn’t possible to predict exactly when something might happen…[Read more]

You do sense the right thing to do about the situation with your ex-boyfriend — leave it alone. In a sense what goes around comes around, and yes it is karma. Once you move on from this and just let fate decide his future, you will become more at peace within yourself. He will eventually have to come to terms with his attitude, and you might…[Read more]

I do see you getting out of this situation of being the co-signer, but you must work to make that happen. Please check with the school’s finance department to make sure that your name is taken off as co-signer. You would not want this to eventually cause a problem with your own credit rating. Of course your mother is not going to pay for…[Read more]

You would do well to consult with the school financial office about what you can do to get your name off as co-signer on her student loan. Please refer to my reply to your last message. It doesn’t appear that she is making any effort to make any payments or repayments. You need to take action now to protect yourself.

Best wishes,

Actually, the future is not set in stone. A lot depends on the path that you choose to take. Once you have had the opportunity to get to know him better you will begin to sense if you are really connecting and would want it to develop into a long term relationship.

Best wishes,

Actually, the future isn’t set in stone — a lot depends upon the path you choose to take. If you present a positive attitude, you are likely to attract someone of a positive nature. If you demonstrate a definite concern for others, that in turn will draw people with similar concerns to you. So — you play a really big part in your future!

Best wishes,

Welcome to the forums!
Honestly, he might not really feel that he knows you yet. Is it possible to have a casual conversation with him? His feelings are likely to develop after he starts to know you and learn about what you like, etc.

Best wishes,

Welcome to the forums!
Since you feel you have made this connection, has he become more attentive to you? I sense that he really likes you and admires you. However, use caution with moving too quickly with expecting a permanent relationship. He is dealing with some past disappointments. So just take a casual attitude and don’t make him feel…[Read more]

Welcome to the forums camelia!

We hope to hear from you often!

It seems that things are essentially the same as they were the last time you posted this question. Do you both want to be in a relationship for the long term? If you both don’t have that same goal things might not seem to be stable. It is important to discuss how you both feel about things to determine if you feel you can be together for the…[Read more]

You might want to contact the organization that handles her loans and explain the situation. When you co-sign on a loan it means that you agree to make the payments in the event that she can’t do it. It is a legally binding contract. You wouldn’t want to hurt your credit at such a young age. It is surprising that she was even granted a loan…[Read more]

You might do well to rely on past experience when it comes to looking for work. If you have had some experience in a certain field that would be a plus. Your ex-husband should be providing some financial support for the kids. It really isn’t a good idea to date someone in the workplace. There is a chance that you could meet someone through…[Read more]

You don’t need to quit being her friend, but you need to remain firm about the directive you have given her about finding other living arrangements. Unless you have something in writing, you might have a difficult time getting her to repay the money that she owes you. You need to offer continuous reminders until (if) she does. As for being a…[Read more]

You will start to rebuild you confidence as soon as you start working again. You are at loose ends right now. Your kids need you so you must try to remain positive for them. When you start working and get your family into a routine, you are likely to meet new people. You really don’t need to go out of your way to meet someone new, it should…[Read more]

Welcome to the forums!

Sorry about your current circumstances — often times law suits are settled for less than the requested amount. You should get something, but don’t count on it to be a long term solution. Hopefully your husband will be able to return to some kind of work. If you continue to apply for jobs for which you qualify or could…[Read more]

I sense that you have worked hard all of your life. Also what you are experiencing right now is something that you basically didn’t have much control over. Perhaps a financial counselor could help you? This would be someone with professional insight into how certain debts could be consolidated or reduced.

Best wishes,

The time is now — if you let her know that you really want to talk to her and work things out. You will both feel so much better.

Best wishes,