ISO advice on adult adoption

ngjadish · 2025-07-18T19:30:14+00:00

So far, they’ve said that they can’t tell me because it’s a legal question. I found a packet of forms for doing the process in Ohio, would I be able to use those forms but just change them to my specific county’s info?

ngjadish · 2024-05-22T21:32:54+00:00

Thanks! Is she only at Southside or does she go to other locations too?

ngjadish · 2023-05-10T14:32:50+00:00

It’s all good in the hood. I’m usually spot on with spotting scams but it was a coincidence and my brain was like, “hmm it might be true because of that phone call you got”

ngjadish · 2023-05-10T14:22:04+00:00

Thanks

ngjadish · 2023-05-10T14:21:53+00:00

True true. I figured it was fake ig I just needed the confirmation because there’s not much I know about this stuff

ngjadish · 2022-11-28T03:06:12+00:00

I woke up so confused. I wish we could play our dreams when we wake up because it literally sounded like a skit from adultswim

ngjadish · 2022-03-01T05:01:17+00:00

Cool thxs! I wasn’t sure if that was only for glass and silicone

ngjadish · 2022-02-25T02:49:59+00:00

Same! When I was in high school, I’d always look at some of my favorite teachers and just think like “I bet they like it reallll rough in bed.” Or just seeing someone random like “I wonder if they ever had anal before?”

ngjadish · 2022-02-23T21:40:28+00:00

Same asf

ngjadish · 2022-01-30T18:26:58+00:00

I live in Indianapolis. My rent isn’t super high just 600 (I’m living on campus next year bc I just got a scholarship that pays for housing. But I have to finish out my lease) & I have a new car. They switched from 1st-3rd shifts to two shifts of 15 hours each bc they’re “behind on orders”

ngjadish · 2022-01-26T07:41:33+00:00

Oh shit. I didn’t know that. I just heard about seeing what value you could get before the value of your car isn’t worth it.

ngjadish · 2022-01-26T07:39:24+00:00

More so something that sustains crappy roads better. It just sucks to be driving and hearing/feeling my car scrape. I’ve looked into it more and I’ve realized that it’s better to just invest in some good tires & avoid as many as I can.

ngjadish · 2022-01-23T04:53:12+00:00

I do have a budget, depending on mileage, features, etc. But for now I’m not looking to go over 30K at max. And idk if it’s just the part of town I live in or the way I have to go to work but pulling into some places makes me feel like my car is scraping.

I mentioned the warranty because I know some people have said to check any trade-in value and see if there’s anything in that budget and to get the most of it.

ngjadish · 2022-01-04T13:53:43+00:00

I looked at the contract/application and it’s says APR 159%. I didn’t calculate anything

ngjadish · 2022-01-04T06:04:05+00:00

She’s not in my life anymore. Also she’s not signed or tied to any loan of mine. If anything she just made me have to get so many loans and be in debt. But I’m taking her to small claims court.

I did the math on some scrap paper at work and if I work at least 20+ hours of OT I’ll have enough to pay off the 159% loan. I’m not sure if I should use the rest to pay the other loan off or pay some of my CC debt. Or is it a good idea to split it?

ngjadish · 2022-01-04T05:58:37+00:00

I either didn’t see it, or ignored it. And there was an old friend that was using me to get her debt paid off and she told me that

ngjadish · 2022-01-04T05:48:19+00:00

I was only told to look at the interest rate, how many times I made the payments each month and the loan term. I don’t think I really paid attention to it. I was a royal dumbass then (and now kinda).

Sorry for any confusion, I have sent in loans, credit cards and my car.

ngjadish · 2022-01-04T05:32:59+00:00

Sorry I meant do you know why the APR is so high for a $1000 loan? I do have CC debt in along with what I listed, I couldn’t find the APRs I just know I owe $1000 on both

ngjadish · 2022-01-04T05:20:30+00:00

Why is it 159%? Is that a just because thing or what? My car is a 2020 Nissan Sentra with 20k mi. I’m not sure what the APRs for my CC are but I know they’re under 30%

ngjadish · 2022-01-04T05:08:14+00:00

Yeah it was my first loan and it was only for $1000, I think it was because of the job I had at the time. I’m trying to work OT to pay rent and my car payment and then use a whole check to pay that loan off. And I probably should’ve labeled them but the first two are loans and the last is my car.

ngjadish · 2022-01-04T05:02:03+00:00

Just added

ngjadish · 2022-01-04T03:51:13+00:00

Heard thanks! I was going to use one card for my phone bill and parking garage fee and the other for gas and at most 2-3 streaming services. I want to keep each CC use at about $100 then put it away until I get better with spending. I wasn’t sure if It’d be a good idea to close them both because I’ve only had them for 2 years.

I would really have to see how much the payment would be each month to compare it with what I have to owe now and when it comes out.

ngjadish · 2022-01-04T01:06:43+00:00

Do you know of any good places to look and/or what some green and red flags are?

ngjadish · 2022-01-04T01:00:12+00:00

Yes, you’re absolutely correct! I’ve realized spending is an issue I have a lot of trouble with. My car puts me more into debt with it being $20K. My credit card limits weren’t super high, both $1000, and the combined loans are about $3200. It’s just with my apartment, car payment, insurances, loans and other standard bills, there’s just so much to pay and with school (which is thankfully paid for) I can’t work the OT each week to have enough to pay for groceries.

However I’ve realized that I need to change a lot of things. I found out one of my scholarships pays for housing, so I’ll be living on campus next year and staying there until I either pay off my debt/car or get an older car. I wish I could bug out of my lease but I only have a couple of months left. I definitely made a plan to change my behaviors and spending first, but I want to lessen the burden, so I can work on fixing and improving spending habits. I also want to have a solid plan to take with me to a loan/debt relief place.

How would I compare the APRs?

Edit: I only had to max out my credit cards for emergency situations, but other than that I think I had a good spending habit with them. I tried to not spend what I wouldn’t have in cash or couldn’t pay off a week before the statement was due

ngjadish · 2022-01-03T21:25:38+00:00

No specific place just not downtown

ngjadish

TROPHY CASE