Homeless. Put 50,000.00 into our home and lost it. to mold..?
Question:
8 yrs. ago we had a home given to us but formerly we could move in. we have put 50,000.00 into it.Now for 9 months we have be living in a camper. Our home owners Ins. does not cover mold. so adjectives these yrs. weve paid for ins. and very soon no home. we have 15 acres. next to 5 brand new homes. and what is a drag we do NOT enjoy perfect credit so we are stuck.and still paying mortgage and homeowners on a house we can not live contained by..NO ONE will help. and it is not summer out. We don't produce enough money to earnings bills and rent some where..Can any one make a contribution advice? anything..? I a moment ago don't understand how we can recompense on full coverage and nothing when is needed and deserved
Answer:
Having lived through a mold ordeal and successfully litigating it against State Farm, I will inform you that Insurance Companies are in business to receive money and EXCLUDE coverage whenever they can.
Key is whether the mold was cause by things like wind-driven rainfall or something that IS covered. Or, is your Insurance Company acting in what the industry call "Bad Faith?"
There is a great amount of information available at Melinda Ballard's web site. She and her loved ones -- along with their home contained by Dripping Springs Texas -- were the first widely reported mold crust in the USA. Their skin against a well particular Insurance Giant is considered to be "landmark."
The information on her net site is invaluable!
Hang in near, but know you will have a fray on your hands near your insurance carrier. Expect to spend at tiniest 2 years litigating it.
sell
I am finishing up my PhD within mold at Temple University. First off, you involve to find out what type of mold it is. Take a standard sterile cotton swab, swab the mold and send it into a lab for analysis. It's single $65. Try Pure Earth Environmental labs in Pennsauken, NJ. If you find out it is not a harmful variety, start the process of remediation. First, stop the marine intrusion (i.e., leaking roof, leak pipes, high humidity, etc.) Next, remove the detectable mold. Ensure that you wear hypoallergenic gloves and an N-95 respirator that you can buy at Home Depot. Lastly, wash your hand and face next to a mild soap and water formerly consuming any beverages or food or cigarettes. You can do this cheaply by yourself. However, if the mold is a dangerous one, i.e. Stachybotrys chartarum, Aspergillus flavus, Aspergillus fumigatus and some others, you inevitability to up the ante a bit. I hope all go well near you. Don't; however, let mold remediator companies clutch you to the poor house on this. By the way, walk to NYCDOH.gov for a free copy of how to remediate mold.
Hello, I am chris peter.Do you need a loan.Are you financially down?Are you within debts?Do you want to pay up your bills?I confer out loans at 3% interest rate.I give out loan to personal and business loan to Business Men and women who are into Business transaction, I endow with out long term loan for three to five years maximum next to your interest in this you can as in good health tell me the amount you requirement so that I send to you the language and condition that is if you are realing interested surrounded by getting a loan from me, Loan is given out in Pounds and $US the maximum I present is 1,000,000 both in pounds and $US and the minimum 5,000 pounds and US$ so if really you are interested letters for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we whip a loan and pay fund after duration with the interest, if you are honest I will trust you because I close to to do business with Honest those if you are one you will get the loan beside out problem and for your information if you should more loan like $10,000,000m I can distribute only if you are one of these cartigories: Manager of a company A private Holder A broker contained by banks A director surrounded by any office or company A dignified investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. Name In full____________ ____________ Phone Number ____________________ dispatch these info it is important. Mind you loans is given to every slice of the world only if i see you to be honest and will salary back after duration. If you are interested you enjoy to send the amount you requirement as loan so that i can give you the language and condition on the loan for your information loan are given to every part of the world on honest nation so if you are honest apply for the loan now. email chris_pers_lender@yahoo.com Thanks
do not answer that chris guy that commented to your thoughts. he is trying to scam you. he jsut wishes ur personal information. dont give it to him
sending money by correspondence?
Question:
can i send money by e-mail?
Answer:
the best thing to do would be to distribute a check or send a money gram not dosh just surrounded by case someone steals it
Physically you can. Ideally this is not the best opening to get change from one place to another. Why not just write a check, use a sandbank draft, or if you're in Canada - E-Mail the money?
If you do transport money I would suggest wrapping in surrounded by an extra piece of paper to skin it, and don't send anything you aren't ready to have disappear.
If anybody see brass in an envelope...it's gone, capture a money order from the post organization.
Who hate Lloyds TSB? I own have charges for not paying charges and they never informed me. Scumbags.?
Question:
Answer:
I would write to the bank asking for a full breakdown of their charges and for them to explain how they can prove right charges on charges. These charges are not legal, they are a fine, not the true cost of bouncing a cheque.Make it agreed that you will claim through the small claims court. In the meantime find another bank, because surrounded by their spite, they will close your account.
complain, but complain within a nice but firm way. Write a message and speak to someone directly. A lot of the time they sort it and waive the charges.
To be fair, its not only Lloyds who do that now. All bank are the same. They adjectives try to fleece their customers.
Someone goes lb10 overdrawn, so they dispatch them a letter unfolding them and charge lb25 for the letter.
Stamps, treatise and envelopes are obviously extremely expensive from their stationery supplier.
They are particular as the kiddy bank. You tend to use them until you know better. They will charge you enormous sums, if you allow them. Change banks.
My wall (Halifax) charges lb37 for any unauthorised overdraft - be it 1p or lb100.
ALL banks are rip stale merchants these days.
Me too mate, i wall with these sh its as very well..
My charges of 70 quid are coming out tomorrow! I did as some of the other answers suggest and went into the edge and asked for them to be waived...they guy almost laugh in my facade, I was charged 35 quid twice for a DD that I KNOW i cacelled!
So 70 quid for two correspondence..fooking ell I don't know how they get away near it, to be honest!
I have to narrate you, my brother used to call the TSB mound (when it was independent) the Tough Sh*t Bank - does this tender you some idea?
where on earth can I interested a swiss sandbank picture?
Question:
Answer:
Go online to the bank of Zurich
This is of late a wild stab within the dark, but I'm going to guess "Switzerland"
contained by a Swiss bank evidently
Ok your going to thieve a left on primary street, and go 1.7 miles. There you'll find a man within a pancho named Hank. Hank will escort you to the vehicle that will drive for exactely 7.4 miles until you reach Arrow Rd, from near you will have to trademark a mad sprint, removing enemy on the way, to seize to the airport fence. Hop the wall, sneak inside. Then, get a ticket to Jamaica. Once in that, you must swim to Mexico in jeans and a sweater, adjectives black. Then take out adjectives the guards, and assistinate the president of Mexi-- wait what be the question?
Do a check out and you can find the requirements of various ones, but watch out of companies that want to help you to draw from one set up, because they charge a fee and you really don't call for them.
Uh, in Switzerland... what liberal of question is that?!
hahaha
UBS, Union Bank of Switzerland, is the biggest Swiss ridge and they have numerous office in US specializing surrounded by "wealth guidance. They can probably do it for you. Their web site is www.ubs.com.
you can undo it anywhere in the world, so long as you enjoy lots of money and it is illegal contained by your own country e.g. drugs money, undeclared for tax money etc.
Cleveland
Apartments that you can rent that budge by your income?
Question:
There are some in my city but what is the average you own to pay if you enjoy a very low income lower than 1,000-5,000 or income lower than 20,000?
Answer:
Check www.hud.gov (Dept of Housing and Urban Development)
Check next to social service office or branch 8 office contained by your area.
What happen to your 401K benefit money if you die previously age 65 or up to that time the money is fully vested?
Question:
Can the money be willed for once the money IS fully vested?
Answer:
By statute, a 401k participant who dies, automatically becomes 100% vested surrounded by any company contributions and earnings. That Federal statute (ERISA) applies to all 401k plans. Funds contributed by the participant to the 401k plan are other 100% vested.
You should have name a beneficiary and a contingent beneficiary for your account. If you did, the information passes to your name beneficiary without becoming part of a set of your estate. If you did not name a beneficiary, after the account become part of your estate. If you enjoy a will, that will determines what happens to the assets of your estate. If you die in need a will, state law determines how your estate, including your 401k, will be divided.
It go to your beneficiary.
That money is part of your estate and as such your benefactor(s) receive it. If you hold not named benefactor, and you really should, they hold a list of those it go to. You may not agree with that register, and so you should get a benefactor form today and crawl it out. You should also have a will and a living will. All this will cost you extremely, very little.
Vesting have nothing to do beside where the funds travel after you die. It has to do near how much, if any, of your companies matching you carry to keep. It usually depends on how long you enjoy worked there and any benefits bunch you were hired lower than.
Check with your 401k plan administrator. There are some nonspecific guidelines, but different Companies/States may have rules you should know around. Usually, 'fully vested' means that you return with full benefits, according to your plan's terms. Some plans payment some on a partial vesting, say if one dies or leaves the company.
Also, usually, when you sign up for a plan, you are asked to cross a beneficiary. You can put in an descendant, several heirs, or your estate. Check that status beside your plan administrator, also.
Your Will does not have to be specific as to items you are departure, unless you want it to be. You can just christen your heirs and the percentage of the lattice, after taxes and debts, that you want each name heir to receive.
If you hold no Will at death, the State have laws that will govern who your trial heirs are. If you hold no 'next of kin' it will probably go to the State. You can signature a person contained by your Will that is not an descendant. So look into that as well.
What is the best channel to verbs euros to a Philippine sandbank article.?
Question:
Answer:
electronically ...
The recipient must own a euro account surrounded by a Philippine bank. If the human being only have a peso-account, then the euros will be converted to pesos.
Or you can convey euros via services such as Xoom.com and specify whether you want the recipient to receive the monies within pesos or euros.
I CAN't FOcus on my hoard!?
Question:
what should I do so I can save for the bucketing days? I'm 12 yrs.old There are lots things that distract me like Internet,buying loads for my cellphone.I necessitate your best advise.THANKS & MERRY CHRISTMAS!!
Answer:
I can become conscious your dilemma coming from a once impulsive buyer.
The easiest solution is swot to budget your money. If you are keen on positive money, you will find the motivation to do so. Once the motivation kicks within, assess how much you usually have from your allowance or if you're doing job on the side such as babysitting, newspaper route and any similar class of work.
Once you determined the total amount you usually earn, deduct at lowest 15-20% to be alloted to your savings. Afterwards, divide the remaining amount for your regular expenses such as buying cellphone nouns.
If there is still an excess, next that is the solitary time you can buy whatever you needed to buy such as the things you see on the Internet.
But not to put too much pressure on yourself since you are still a kid, you are allowed to indulge once in a while but you own to set your own limits.
cogitate about what you want to buy surrounded by the future that costs more than what you own nowi.e a computer, tv, etc...
are pooled checking accounts frozen within untried york state after the extermination of a spouce?
Question:
Answer:
They shouldn't be unless the authorities specifically request to have the assets frozen. A reciprocated checking account usually allows any owner to have full control over the justification. The only situation where on earth this might be different is if the owners required that dual signatures are required to remove money from the side.
Why do folks buy things that they DON'T entail thinking it will reorganize their lives and trademark them merry?
Question:
My wife and I live a comfortable life, we don't enjoy any money problems because we live in our channel and splurge only on special occassions.
We are within our mid 30's and will have our house and cars remunerated off within less than a year due to intricate work and MANY extra payments.
We would like a bigger house, a newer vehicle, etc. but we know we we need to be healthy with what we enjoy instead. So we save our money for a adjectives child and prepaid vacations that will afford us memories.
Its really hard to be festive with what you hold, and it seems close to many society think buying a bunch of stuff will gross them happier.
My friends had a nice house, but have to sell it to buy a bigger one that costs twice as much. They are still not jolly with their house and in a minute they are in crucial debt with adjectives their equity loans.
Why do so many general public have so much stuff, close to cars, expensive houses, gadgets, clothes, etc. when it doesn't breed them feel better in the region of their lives?
Why are we like this?
Answer:
Its the personality of the culture we live in. Americans are bombarded everyday next to advertisements aphorism SPEND! SPEND! SPEND! - ITS THE ONLY WAY TO ACHEIVE THE AMERICAN DREAM. EVEN IF YOU DONT HAVE THE MONEY SPEND ANYWAY
Very few of us are taught to be elated with what we own. Generally that kind of guidance is recieved from your religious institutions. But capitalism how found its means of access into the religious intstitutions as well.
It starts beside the greed of big business. They want to increase that bottom line regardless of the cost. So they instil the consumer to live well beyond their medium in establish to increase profits. Increasing profits keeps rich family rich.
It ends with a consumer that desires to have it adjectives without really working for it. Even though they are not rich, they want others to believe that they are. People state appearances to compensate for un-dealt-with emotional issues.
To engender things worse, most Americans dont really know much about managing personal finances and dont wish information about it until its too unpunctually.
As a result, you have a country full of society who are up to their eyeballs in debt and a house full of crap they dont want. And in the shutting down they are probably less smiling than someone with none of that stuff.
pinkworld.com
desipapa.com
worldsex.com
etc
it's keeping up beside the joneses i guess. people see other individuals like themselves that own this and that and think that if they enjoy that they'll fell better about themselves? my husband and i are not contained by a lot of debt. we primarily just enjoy our mortgage and computer to pay for. today's standards voice do what you want to do now. near is no such thing as delayed gratification.
i guess for like peas in a pod reason why girls who are already charming buy clothes, make-up etc to net them look more beautiful
It is an insatiable desire, and a scam as well because, across the world, we are deceived into thinking that once we own more, we will finally be happy. But come to reflect on of it, even the richest man/woman in the world still desires more. We've all be through this and we've served as witnesses to other people's lives like you did near your friend.
But I do commend you for being practical and convincing.
And not to sound too religious or preachy, no amount of fortune, fame and power could cram the void that we enjoy. It is only through a open and intimate relationship with God that thirst can be totally quench.
Where's our money?
Question:
Just wondered...When I make an online wage, the money leaves my account instantly. When I'm expecting a donation, the money takes up to 5 working days to appear within my account even though it have left the payers statement. So are the banks unnecessarily holding on to the money (and earn interest on it)?
Answer:
yep, thats exactly what they do, nice little earner when you add them adjectives up.
yep thats exactly what they do hon
Yeah,Thats true.But do you know banks(i mean the total)earn(loot) around Rs 621 crores contained by FY05-06(This is done by a seperate research team).But thats how bank operate .
It is call a "float", they make profusely of money on that.
You answered your own question within part. Yes, bank are holding on to your money and they can earn interest on it. However, a certain amount of hitch is used up simply in processing. With more and more processing done automatically by computers, the processing time can be unbelievably quick, but it still take some time for the process to take place.
Another source for the delay is the involve to verify that the transaction is legitimate. A edge may hold your money and prevent your access to it until it verifies that the verbs is legal. Many scheme have be developed by criminals to bypass bank safeguard and steal money, and banks want to label sure that a specific transfer of money is not a venture to steal the money. The safeguards protect not singular the bank but also the people involved in the verbs.
Yes banks enjoy been doing that for ever, even though next to today's technologies, they can do it instantaneously, they enunciate they have to ensure the funds be actually here in the first place. Basically, since we can't control the world bank system, we are going to have to live beside it.
Correct. The Financial Services Authority FSA has be tackling the bank to speed up their systems for money transfer but they are reluctant to do so. If you consider the transactions made contained by a day from the millions of accounts the meaning could be tens of millions. The interest on this money even for only 5 days is relatively considerable. Loads of profit for really no work.
Yes - money in transit is money within the banks - they own to have some giving of disincentive in place, otherwise we would enjoy our money in motion even more, right? (yet another money generator for the banks)
Err yes did you not see their profits announcements?
The money stays surrounded by one acc untill it reaches the other, it might become "unavailable" but it is still earn the acc holder interest.
Where is Texas can you capture free liquidation assistance?
Question:
I have ample debts and a very low income (due to a variety of things that have go wrong in my time in former times year) and I have no money to database bankruptcy. I hear it costs 500 dollars which is what my rent costs and I enjoy to choose rent over legal fees. I own nothing to supply to make money and work a career with a different rota every week and also a very strict emloyer who go on firing sprees all the time. It is not a impossible job surrounded by the sense that I do make more than minimum wage so I can't afford to lose it. I own limited transportation which precincts where I can procure to as many businesses within my city are in areas near no bus service and I can't take rotten or be late for work lower than any circumstances. Is there any place to return with free assistance and that useless credit counseling thing that is to say required? I know it is required although I do not believe in conselours of any type.
Answer:
Try the statute schools surrounded by your area. One of them may enjoy a bankruptcy clinic or legitimate aid practice clinic that might help you. Also telephone the local bar association, as it may own lists of lawyer who provide legal aid at reduced rates to those who qualify.
How to obtain a credit card or debit card when you individual own a building society explanation?
Question:
i have applied twice but hold been turned down
Answer:
You won't capture a debit card without a current acocunt. You can go and get a credit card if you just own a building society account but you own to be a good credit risk. If you've be turned down for a credit card, ask the issuer why. If it's your credit score, ask them how you can boost it. It may simply be that you have no credit history and accordingly no proven credit record to deteremine if you are a biddable or bad risk.
try a moment ago opening a important current account near a bank and at alike time they will try to sell you a credit card!! can't consider why they would turn you down to have a credit card as long as you r over 18!!
progress to a bank and undo a current acount and
ask for a debit card +credit card
you would need to enlarge a current account near a bank, consequently you may be able to get hold of a credit card, but often this take 3 months. If your building society wont offer one you wil ahve to progress to a bank
You hold been turned down for a well brought-up reason. You must prove you are responsible first. That take time. Ask at your bank or credit league why you have be turned down. They will share with you the reason. You can get into abundantly of trouble with a credit or debit card. Before you know it, you hold run up a debt that you can't pay. Talk near them.
Does your building society have a current article facility? Open one up and you can transfer money between them.. Prodived you own enough funds and money coming within they will give you a credit card. You won't carry one if you only own savings and no regular income. You hold to be able to show you can afford to clear the repayments to the card, so they will want to see the money going into your current account.
Can I friendly an statement surrounded by a mound contained by the USA man an Indian resident?
Question:
Answer:
On the USA side, there is no statute preventing you from doing that. And, sorry, but why would any non-US resident or national, have a social financial guarantee number? As for how much you can put in your story or whether you pay taxes on interest, again no restrictions from the US side. You should look into what your own country's tenet allows. Be aware that you cannot use that as grounds for a Green Card and expect some scrutiny from the Homeland Security Ofiice (for terrorism watch reasons).
You probably can if you enjoy a SS number.
Yes! u can if u have SS
U can expand an a/c with US edge even if you are not US citizen. U need to step to the bank next to photographs and Passport and the Visa copies.
Check their site for more details.
I got an a/c openend contained by Bank of America in US and I am an Indian
My daughter is 18 and i own lately discovered she have taken out a store card. What shall i speak to her?
Question:
I am not happy cos i be aware of she might run into debt. She only have a small part time profession that doesnt pay capably as she is at college. I'm picking her up in a few hours and while she is a criminal audience in the vehicle, i want to speak to her about the together thing. Sensible direction from adults only please.
Answer:
lately let her know you worried because that's how society get contained by to debt and that you'd rather she didn't hold one. say if you ever requirement help don't gain into debt ask me for help. that's what my dad yous to to voice to me.
good luck. I'm not a parent but i am full-size (21).
Tell her what you think,agree to her know it's not that you don't trust her to spend wisely,but because you're concerned.
Speak to her in the region of it and give her guidance, but don't tell her what to do, she's 18 and she can do this justifiably and she might get sensitive and think you are treating her resembling a child.
It's not a big deal, don't fret almost it. Any advice you make available will be taken the wrong way.
speak about her exactly what you just wrote. Just don't speak at her within a way that will automatically breed her defensive. She may not realize that a store card can ruin her credit basically as much as a regular credit card. She probably signed up for it to get a discount on the purchase she be making, so she may not intend to use it again. Just tell her that have a card like i.e. fine if she is willing to purloin the responsibility for it.
Explain to her about extortionate interest rates and look at some of the other option (i.e. low introductory interest rate credit cards) - compare the two and work out together exactly how much she'll be paying for her purchases. Some store cards charge over 25% interest, so it's worth having a bit financial discussion with her - she might not know these things! Good luck.
Tell her that ultimately Store cards charge really high rates of interest typically 20-30% or more which is much better then most credit cards, at hand charges for missing a payment are usually closely higher as capably, maybe you could achieve her an additional card for a credit card you already hold that way you can help out her budget better and help her preserve from spending what she can't afford.
Is that green hair ur avatars get, it doesn't matter what u utter 2 us teens it will be taken as snooping into our business so let her come 2 u when she is set, if u say something next it will be taken the wrong way.
Tell her you are merely there for electric problems financially she is on her own. If you mean it or not is another point.
To be honest, anything you do say will probably shift in one ear and out the other. Just transmit her why you are concerned. Maybe you could offer to look after it, and tolerate her have it when she wishes something for a special occasion, that bearing she won't use it for any old piece that she thinks she like, just because she have a card.
explain the facts/pitfalls/repercussions and then notify her she's ultimately responsible as you/her mum/whoever won't co-sign then depart from it to her
The problem with store cards is that the rate of interest that they charge is so exorbitant. she probably get lured in by some attractive tie together now operation. Tell her that she will have to income more for the item later after if she had only just saved her money and wait. The way these companies breed money is by charging high rates of interest on the debt-they want general public to get contained by the debt !Tell her the best way to catch discounts on clothing, is to wait for the sale or maybe she could capture a part time mission in one of these stores ??
Good luck and remember ! - you are not an evil, fun spoiling parent ! All financial adviser advice against getting store cards
WHAT??? She is 18! Take rotten those cotton wool gloves and cut the apron strings you keep her within and let her live and swot from life.
First bad: how have you found out? Have you be prying, opening her correspondence or what? I tend to agree with the creature who said that it's no big deal. Like it or not but she is reasonably an adult in a minute. She might run in to debt immediately and learn a lesson, or after that in life span when it might have a far greater effect on her. I'd suggest you said nought (and I am a middle-aged adult).
Say to her she better get you a suitable Xmas present this year if she has get money to pay bad a store card!
Does she realise that with a store card comes interest!!
I CAN UNDERSTAND YOUR CONCERN,IT IS FAR TOO EASY FOR PEOPLE TO OBTAIN CREDIT. JUST EXPLAIN TO HER THAT SHE WILL BE PAYING AN AWFUL LOT OF INTEREST ON ANYTHING SHE PURCHASES FROM THE SHOP. WHEN THEY ARE THAT YOUNG THEY DO NOT REALISE HOW EASY IT IS TO RUN UP A DEPT .HOPE SHE LISTENS TO YOU.
Way to be concerned and resting on things. how much damage can she really do near a store card? This can be the cheapest lesson she learns... So long as she learn.
I would get her a binder to hold on to her financial statement in from the card. Have her place respectively statement in her folder to "maintain her organized" after 6 months when she is still paying for that $80 pair of jeans she have to have, travel back through the statements near her and calculate how much interest she remunerated to calculate the total cost of those jeans. Now tabulate how long it took her to work for that dollar amount at $8.50 an hour.
At indistinguishable time, put $80 into an interest bearing explanation and show her what interest does on the other in. If you want to really drive it home, attach the amount of interest into the account that she is paying on the credit card.
Now, you didn't bring up to date her what to do with her money that she earn. You did however educate her on compound interest and why credit cards are impossible and savings are fitting.
All in adjectives it may cost you a total of $500. Much cheaper than any college course and it will make up for itself for eternity literally a million times over.
Pay it past its sell-by date immediately later show it the scissors
Say nothing at adjectives. It will only rationale VERY bad passion between the two of you. Let her work out for herself what a mistake she has made. I took out a store card a few years ago, my Mum start to screech at me, I didn't appreciate her trying to tell me the errors I be making, as a result we didn't speak to each other for months. When and if she asks for financial comfort say no she will own to sort it out herself.
As much as you love her, you can't live her life for me.
I really will someone had sit me down when I was 18 and warn me just how evil store cards are. I get myself into lb3000 of debt on credit and store cards, and my Dad had to bail me out, and it have taken years to pay him support.
You never have satisfactory money when you are 18, and you think that you hold the rest of your life to settle back anything that you do spend, so it will be really strong for her to put your warnings into context. She might even tale when asked straight.
Why don't you strike a deal beside her. Tell her you will pay stale her store card in full if she never uses one again.
My Dad only just kept saying that if I really feel like paying someone loads and loads of interest to owe them money, borrow the money past its sell-by date him, and pay HIM the interest. Borrowing money rotten them is like throwing money into the crowds contained by the street.
Don't say anything! She is 18 so it is in fact none of your business! Let her make her own mistakes!
Ask her in the region of the financial commitments of the card to find out if she knows what she have signed up for.Then she will probably check this herself to find out if she has be taken for a mug.It will be likely afterwards that she will ask your advice.