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Timothy Said:

Do I have a case? Will hiring a lawyer make a difference to the insurance co?

We Answered:

A. If you have no case, they aren't going to settle.

B. You can file in any state you want - but if you file in a state unrelated to the claim, you are much more likely to have the case automatically dismissed.

C. The amount you can recover without a lawyer, in small claims court, varies by state - but is usually capped at $1,000 to $5,000. If you don't hire a lawyer, you have to actually show up in court, in person, to argue your own case, or you automatically lose. A lawyer is going to cost you considerably more than $8000.

Looks to me like you gave money to con men. If you weren't listed on the title of the house, it's going to be almost impossible to prove that the money wasn't a gift. Even if you think you can prove it in court, I strongly suggest this is going to cost you WAY more than $8,000 to get a judgement - and even if you win, you're not going to ever see one red dime from these thieves. What they did, isn't covered by insurance. You had no written contract with either of them.

You got scammed. Count your blessings, that you only lost $8,000, and learn a life lesson from it - get rich quick schemes, only make the guy you give the money to rich - not you.

Alicia Said:

Divorcee Job Hunt Need Help?

We Answered:

Just because you were self-employed doesn't mean you can't get your job history onto a resume. You will just need to come up with some business and personal references (3 each should do the trick for a total of 6) that can attest to you being dependable, having a strong work ethic, that kind of thing. But you simply list from this date to that date, the company name and list your responsibilities to the best of your ability.

You can include your military experience. Do not provide your salary requirements in your resume. You can research the average salaries on the internet and get an idea what jobs offer what ranges and focus your energies where the best paying jobs are. Leave the actual money and benefit discussion for the interview. Most job listings will tell you salary range, benefits or both.

Your best bet for looking for work is to narrow down your skill sets. From what you've listed, it looks like you have good organizational skills, you have excellent writing skills, can multi-task, you enjoy public speaking and presenting, and you have retail experience. Here are some key questions: do you know any current applications for computers (such as MicroSoft office)? Do you have good keyboarding skills (can you type quickly and accurately)? Those will certainly give you more options if you have computer and keyboarding skills.

I am 42 years old, divorced, have no college and I make more than your salary requirements state. Unless you are looking to get into a big corporation or need specific skills (i.e. lawyer or doctor), college degrees - or lack thereof - don't necessarily dictate your ability to obtain gainful employment.

Your best bet would be to get your resume in order then search on sites like and Take a look in the retail industry at the manager level if you can't type and don't know current computer applications. In my state (NJ), starting salaries for retail managers in the malls are in the $40's and chances are, boutiques will pay even better. If you can type and know computers, you can look into Customer Service management, Executive Assistants or Sales (either inside or outside). You will more than likely have to partially pay for your healthcare benefits, so keep that in mind when discussing your salary. Stock options and/or 401K's are pretty common in most companies.

Email me your email address ( and I'll send you an example of how you should set up your resume and a good cover letter. What you've got above isn't going to get you anywhere. Employers want things in bullet points, short and sweet and your resume cannot exceed one page. And it's ok to sell yourself. Don't be so honest that you miss an opportunity!

Brandy Said:

Getting a credit card with no credit history?

We Answered:

You need to know that depending upon how you have established your business, getting a business credit card is not easy. If you are a registered Corporation and have a valid FIN (Federal Identification Number) your personal credit history has no factor, you must build credit history under the business name. If you are D.B.A. (Doing Business As) then your own social security number is used for business purposes and your credit report will be used to review a credit application.

Your best method is to open a secured credit card account under the business name at either a Bank or Credit Union (CU would be better). You would be required to deposit funds in a savings account and would use the funds to back up your purchases. As your business grows, increase the savings account to increase your credit line. After a year or two, you should be able to convert the account to an unsecured credit line and establish a higher credit limit or in most cases, your supplier will be more then happy to provide you a line of credit if you show you have the business income after a while. This way you get 30 days to pay for the parts without paying interest.

This is one of the main problems facing a small business today, the banks will not provide the needed credit to purchase inventory yet the government bails them out.

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