How do I bread a Canadian nest egg bond within the US?
Question:
I live near Washington, DC. I just this minute received a Canadian savings bond that matured. How do I lolly the bond in the US / DC?
Answer:
move about to a well certain bank
sandbank of America... key
small local bank will have trouble beside this
take it to a desk NOT A WINDOW you will a short time ago waste your time
they will return with it taken care of for you
I requirement a number?
Question:
anyone know of a toll free number or website i can find out it i owe money from a past edge account?
Answer:
Call that guard. They are the only ones who can communicate you
Contact the bank where on earth the account be held.
do a research in G00GLE.com for collection agencies, next find the right one
Go to annualcreditreport.com. Your credit report is the only place where on earth you can find out if you owe any money to anybody as it is confidential information.
search more or less it in yahoo
What would you do if you won a lump sum of 700k, but have nil else?
Question:
2 kids, gradeschool years, you have nil else but this lump sum, but also a decent mission paying about 85k/year.
Answer:
I would clutch the 700k and invest, set up the college funds for both kids and put the rest in a illustrious yield cd or mutual fund, a cd should provide you an annual return of 4-6% and the mutual funds a little more risky but should return give or take a few 8% annually 600k in one of these investments should generate an additonal 30-40k surrounded by annual income and grow each and every year. thats would i would do.
Pay Taxes, if applicable.
Pay rotten credit card debt, if any.
Pay off house mortgage & vehicle loans.
Spend a little, afford a little to house, give somewhat to charity.
Set up a rainy hours of daylight fund.
Invest the rest (College Fund).
congrats, wish I be that lucky :) If it was up to me, put 200k for college fund. 150k for retirement fund, 150k - 200k for debt and mortgage. Give 100k to parents, 2k-5k to respectively sibling. Donate 5k to charity. take a 2 weeks leave but spend under 10k. Anything disappeared put it in retirement fund.
Put away money to cover the taxes first.
Setup a 529 for respectively kid - http://www.529s.com
Pay off the taxes on that amount
Pay past its sell-by date any outstanding debts (credit cards, loans, house, etc)
Put aside $200k for children's college (in 529 account)
Donate 5-10% to charity
go on a shopping spree or time off (less than $5000)
put the rest into a cd or mutual fund or both... you could also put it into a retirement fund
What's the quickest route to convey money to Spain from the UK?
Question:
I have some money coming into my UK mound account subsequent week and my bank say it will take 4-5 working days to carry to Spain. This seems similar to a long time to me is there any bearing that I can get it near any quicker?
Answer:
ask your bank roughly speaking a telegraphic transfer. Some bank charge a small fee depending on the amount you want to send.
Western Union.
Find them adjectives over the UK, or even a post office.
They charge a small allowance but money is available right away.
paypal
Western Union.
it takes almost twenty minutes.
Western Union or Moneygram are both widely available.Moneygram is used in adjectives UK post offices and Spain's Banco Popular so might be the easiest?!
Go to Forex and distribute through Money Gram. The money arrives few minutes after transaction. The money can be retrieved from any bank or forex branch that have money gram services.
if you have a regular guard then i would reason they could give you the comfort your asking for
telegraphic transfer you will have need of your IBAN bank number 26 digits and junk mail long plus your Bic or swift code, it takes this long because of spanking new money laundering procedures introduced by the EEC. on 01/01/2007 cant obtain around it other than to fly to Spain to pick up within cash The cost using western association is horrendous.
By Pigeon!
It depends how much money you are looking to transfer, if its more later lb3000 then you will hold to bank verbs it, if its more than lb6000, then you will enjoy forms to complete for the money laundering rules, no fast way round that especially next to the problems Spain has beside money laundering and drugs
Has anyone have their mortgage contained by forbearance?
Question:
We are currently seeking Hardship Assistance with our mortgage company. We own not missed a payment all the same, but due to a recent illness, we expect to. Has anyone ever done this?
Answer:
I agree next to stopccdebt's answer. Also, call or have a word to your mortgage lender directly. As them if they have a forbearance dept. or a bit a loss mitigation department. Do this before you travel into default. They should relay you under what conditions that they will allow you to knob the matter. If it's a provisional situation, then they are more possible to assist you. If it's NOT a temporary situation, consequently you probably need endorsed advice. Most mortgage companies will allow you to defer a recompense or so, if you have not missed any as you stated. What they do is only tack the payment(s) onto the back side/future of the mortgage, and you wages them after your original residence ends. Interest continues to accrue and you will not be paying anything toward your principal on the missed payments. If they feel pretty honest about the collateral situation (loan to value) surrounded by your home, they are more likely to assist you. Hope this help and good luck!
most companies will tolerate you pay interest one and only for a period of time.
You should consider seeking the assistance of a housing counselor. They can chitchat to you about loss mitigation option that your lender will likely consider.
Find a HUD approved agency in close proximity you that you can visit surrounded by person. Keep contained by mind that your options will change depending on how current or delinquent you are.
What is the average worth of a 40 year antiquated man?
Question:
Adding all assets, subtracting adjectives debts, what would average worth be.
Mortagages should be into latter stages, retirement savings increasing, etc etc.
My guess is average working man or professional would own net worth of roughly $450k.
Sound about right?
Answer:
This article would suggest the median lattice worth of an individual age 40-49 is around $133,000.
Money, is that all you reckon about? I am worth more than money, or assets. I am priceless.
Should or really hold?
I'm 41, and mine is slightly higher than that, but I'm the exception. Of adjectives my friends, maybe 2 are within as good a shape as I am. Most of my friends my age, I would guess, are around $200k, and some of them are around $15k. For the history, most of my friends are college graduates, and mostly surrounded by tech related fields.
So it sounds resembling a high guess to me.
According to my figure I would estimate the average net worth of a 40 year hoary man to be about $325,000!
I read somewhere (Kiplinger's?) that a rule of thumb is to filch your age times your annual income and then divide by ten.
Let is vote you are forty years old and earn $50,000 per year. Your lattice worth should be roughly 40 x 50,000 / 10 = 200,000.
Of course this is one opinion and individual a rule of thumb. I am unclear how this might apply to a married couple. After adjectives, most people's single biggest asset is their home. Do you average the two spouses' ages and use combined income?
It sounds about right. At 50, they consider 500 noble, which is half a million. So you are on target.
What will you do if u have to spend a million $ surrounded by an lone sometime??
Question:
Answer:
oh yeah I can spend it in soon trust me!!
It is not difficult to spend a mil in a daylight.
Pay my mortgage
Put a good lumpsum to my allowance
Put some aside for my girl's university education
Change my coup¨¦
If anything is left next call up designers to do renovations surrounded by my house
i would definatley buy clothes
pay rotten all my bills
fix up the house
dune the rest
Shop til I dropped!
I will immediately donate the full amount to a charity since I am asked to spend it contained by a day and it is not mine and I did not earn to own it.
I would...
Pay my parents medical bills
Pay my brother-in-law's medical bills
Start a college fund for my nephew
Pay bad my education loans
Buy a tentative car
Buy a house contained by warmer climate
Buy an RV so I can travel
If there's any gone after all that, it would walk into the bank & investments.
that's so flowing.. id buy an island, travel the world, buy myself my own private shot.. build myself a mansion
- Pay off adjectives my bills
- Buy real estate. Lots of million dollar houses and apartment or condo complexes out at hand, and even more half million dollar houses around.
1. buy house and lot
2.alien car
3.impart to my ethnic group
5. do shopping
6. il save partially of it
7. give 10% to smaller number fortunate people
8. 10% to church
9. tour around the europe
10. il metamorphose my computer
Simple!
-> Buy the wheat/rice/cotton crop at lower price before produce by paying advances to harvestors
-> Buy the bits and pieces about which i know whose price will increase surrounded by short period of times at lower price by paying advance
-> Put up deposit in several existing estate properties and sell it to another delegation with profit edge and pay the 1st street trader with 2nd buyer's money and maintain the profit in my pocket.
How do i carry a give up for personal use?
Question:
I was browsing thew the internet on how to procure a grant and near are a lot of websites that gurantees you a compromise for paying bills, getting out of debt, paying rent etc...Is it a spam??
Answer:
YES it is a scam. Grants exist, but NOT in the opening these websites and companies portray it to be
I suggest you read the warnings FTC have issued against these "grant" companies:
http://www.ftc.gov/opa/2004/03/grantreso...
http://www.ftc.gov/bcp/edu/pubs/consumer...
Here is also one of the warnings issued by the Better Business Bureau http://www.concord.bbb.org/tips_timeshar...
The rule is NOT in the business of giving away free money for the sake of giving away money. There are no grant for paying bills, no grants for paying rotten credit cards, no grants for getting out of debt and no grant for simply fattening your wallet.
Grants are free, but it means OBLIGATION. You will be obligated to do as the compromise sets out to do. Grants have objectives, and your purpose must fit the aim of the grant.
For one, you hold to write the grant application and the allow application is not a simple document - you have to explain how your purpose for applying for the give up fits well beside the objectives set out by the grant.
There is a stringent review process through a committee. You will compete near other applicants for the grant money, and this give in review committee will evaluate the merits of each proposal. Only those that they surface exemplifies the objective of the give up will be approved.
You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grant.gov - these are two sites created by the federal government to provide transparency and information on grant. Browse through the listings and see if you can find any grant that would support your purposes.
It sure is spam. A give in is a no pay stern loan for school.
Try this: http://www.prosper.com/
It be on the news the other dark!
This is a scam, yes... the only point you can get cash-back on is paying bills past its sell-by date via a creditcard or debit card with a rewards program. Now, you can salvage money on interest and such by paying things off impulsive or by improving your credit win... but you don't get money surrounded by your pocket off of these.
Yes.
PLZ HELP I NEED SOME GOOD IDEAS ON THIs?
Question:
Im 14 and i live out in the boonies. i really necessitate to make some breakneck cash ($600) i reall stipulation some ideas for some early cash (PLZ nutthin approaching "wash cars" "hoof it dogs" "lemonade stand" "baby sitting" THX SOO MUCH
Answer:
Well.. you can't shift out and get a opportunity, so you may be at the mercy of your parents, or neighbors...
I hate to read aloud wash cars... but how roughly speaking extra chores around the house??
Good ol' fashion grunt work. Lawns, patio work.. think of things ancestors don't want to do themselves and are willing to take-home pay good money for you to do. Put an announcement up in your local grocery store. By the road.. there is really no such point as quick change.
Is cashcall a sub prime lender?
Question:
if they are, how come they dont tell you they are?
Answer:
They really don't hold to. Anyone offering loans to high risk individuals for smaller amount than 5.5% right now is a subprime lender, and you can bet that rate will shift up above 8% within a few years.
By canon, they have to narrate you the APR (the real rate over the natural life of the loan). Just ask.
Online job to earn money short me payin money ..?
Question:
can anyone tell me how to earn money through online job..i tried many links but they asked me to salary money initially..is there any online position which dosent ask us to pay anything..does it really work?
Answer:
Most of these sites are scam... like the frail scams that used to appear surrounded by certain journalists that said "work at home parttime and earn thousands!" by stuffing envelopes.
In all honesty, you'd probably be better stale going door-to-door selling Mary Kay cosmetics or Tupperwear or magazine subscriptions, but those don't pay bad too terribly very well unless.
I don't think nearby is such a job.
Pick some service that you are angelic at and can provide on line later think it out write it on the weekly and contact yahoo, they will help you set up a trellis site and let the work come to you, see what pan out.
No pain no gain.
There are some free site but you own to depend on some one else.
Do you live in China, India or Mexico?
You can earn from G00GLE a.d.sense minus paying money
See below
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I started out 4 years ago with equal question and tried lots of things. Some be scams. I of late wanted to be capable of stay at home with my kids, but earn some money, too.
eBay worked for me. You can return with started with no financial investment, see how it go, and grow the business as you are comfortable with it. It is glib, fun, profitable, and you can work around your family's schedule.
You may find this guide kind in getting started on eBay. I wrote it to facilitate others get started on ebay. It is written from my own experience from selling for 4 years. I've sold almost 12,000 items. I've learned alot along the route by trial and error and hope to save others some time and mistakes! I didn't enjoy anyone helping me, but i will be glad to help others win started.
I am not a millionaire and don't promise that you will be one. But, I have made thousands of dollars on eBay and you can, too. Plus, it is fun.
http://cgi.ebay.com/stay-at-home-moms-gu...
Best of luck to you! Blessings
I found two website that does exactly that.
http://www.dormcheck.com/register.php?re... (Dorm Check)
http://www.mylot.com/?ref=rovelle... (myLot)
Let me explain how these two sites work:
Dorm Check pays you US$0.01 for every post or replies you posted and US$0.012 if you post your discussion next to pictures.
myLot earnings algorithm is discrete but it pays dependng on how masses response you got from your discussion and also the point of your post.myLot pays in US dollars too.
Overall i found that it is easier to earn at DormCheck than myLot. But you could try both.
Making extra money on the net is pretty easy.
1- Build an online space (http://blogger.com, Yahoo!360, msn livespace). Choose topics you close to. Gaming, nusiness, sports, fitness, internet, computers, cars,
2- Link it with a site monetizer such as a.d.s.e.n.s.e (http://opena.d.s.e.n.s.e.com) or Yahoo! or MSN (offered near msn live spaces in options). My favorite is G00GLE a.d.sense and it's really confident to link next to Blogger. Turn on all features to allow others to syndicate your posts.
3- Start posting on your site. Post a few times a hours of daylight.
4- Post on any forums or site you can find that is related to your topics. Do not spam. Build yourself a verbs identity on the web. Always donate your site url.
5- On your site/Blog, offer yourself to answer question.
That's the way I do and I earn close to 20 US$ for one hour of work.
Good luck !
Well there are lots of scam there and I did try out abundant "paid programs" and finished up getting scammed. I got so angry that I moved out looking for any more opportunities. Then I come across people wise saying that they are getting paid for online programs and once again I started researching and I am joyful to say that I own earned $15.09 from http://www.mylot.com/?ref=vampirestonez It is a legit site and I can guarantee it because I own gotten paid from that and if you will you can ask me for more details. It is very unforced to use as it, it is a forum like RunEye.com but unlike RunEye.com you win paid for asking and answering question! Yes, it may sound too correct to be true but I can only say aloud that try it, you have zilch to lose and I am sure you will thank me for this.
But if you do register at that site then you will also have need of to have an E-gold justification because all your payments will be transferred near and then nearby are number of option to take the payments like check, money proclaim, bank flex, western union etc. To register for E-gold please call on http://www.e-gold.com/e-gold.asp?cid=395...
I had be using RunEye.com for a long time as you can see my level but I immediately use it very now and then because as you may know that the more traffic to a site, the more the site earns. RunEye.com earn a lot but does not share anything next to it's users as for myLot, they do! If you have any question just exit me a message here or on myLot and I will personally try my smooth best to guide you to the way to getting some clad income. Thanks!
I can give you three sites as I myself do not want to invest money.
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Hurry, this set aside won't last long!
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Convert Stock to Roth IRA?
Question:
Hi all,
It's tariff time and we are in a situation where on earth we are considering moving $4k from an individual investment account (stock) into Roth IRA. The put somebody through the mill is: What are the tax implication of such a transfer and if it is a prudent move?
thankfulness
-Sm
Answer:
Assuming you qualify to fund a Roth IRA it will make a large amount of sense when you retire.
First of all surrounded by order to qualify for a Roth IRA, you must fashion less than $160,000 if you're married file jointly (less than $110,000 if you're single).
While you cannot take off a contribution to a Roth IRA from your income this year, the other tax breaks can be slightly significant. The money you earn in the Roth is not tax and your withdrawals at retirement are completely tax-free. Plus, you're not required to open taking withdrawals at age 70 1/2 approaching a traditional IRA, so your money can continue to grow free of taxes for as long as you want.
Of course, the othr rates implication concerns the profits you may enjoy made on the stock in your investment side. Naturally, you will have to repay capital gain taxes and possibly income taxes on the profits.
Hope that helped.
Whether it is prudent would depend on anticipated income at the time of your retirement, your income in a minute and any other retirements, (employer related) you may have.
Regular IRAs are rates deferred, but not exempt, and are paid for next to PRE-TAX dollars.
Roth IRAs are tax exempt, but are salaried for with after rates dollars.
If your income at retirement is high adequate taking dollars out of your regular IRA can put you in a high tax bracket. This does not materialize with a Roth IRA.
If you are childlike, (30 or under) I'd recommend that you just stretch out a Roth IRA and begin investing primarily next to it. If your income is high adequate, you may not be able to put the entire amount surrounded by your regular IRA tax deferred.
This happen to me almost every year. I decided to purely open a Roth and deposit my investments in attendance. When I need an further deduction, I will put money within my regular IRA.
Transferring your IRA to a Roth IRA, can cost you taxes and penalty. They have suspended the penalty for a while, but that extent may have lapsed by presently.
Good Luck
Am I roughly to catch scammed?
Question:
Someone has offered $300 per transaction to dosh checks that would be mailed to me and cable the money, minus my fee, to them. They want zilch from me but my name, phone number, address, and email. I hold given them nothing all the same.. Should I? The company contacting me is in the UK.
Answer:
There are abundant variations to this scam. Most predictable what will happen is the checks will clear. You will dispatch them some money. Then later, the checks will bounce. Checks can still bounce even after they own "cleared." The bank will detail you that you owe them money for the bounced check. You will complain saying: "But you said it have cleared." The bank will influence too bad, when a check "clears" it does not stingy it is good.
Below is one example of this type of scam.
http://www.washingtonpost.com/wp-dyn/con...
.
Completely, I carry those things from the UK tooand I'm in Oregon.
beyond doubt. at the very tiniest, something illegal is going on.
report them ...it's a total scam .fugging internet lice
This could be fraud, do you think someone will clear you this kind of money for simply brass out.. They are stealling credit cards and other things, and you are the one who are getting busted. Ask him to tell you his phone, address, full moniker and corroborate it. You will see how things will change.
Sounds resembling a scam. If you received this offer by email I would emphatically say its a scam. If you're unsure, G00GLE the company dub to see if there are any reports. Most scam like this own pages notice others against them. If it sounds too good to be true it usually is. I wouldn't be sending my details and money to anyone.
Don't do it. Don't even acknowledge it anymore. This is exactly how I get scammed.
Forget the "uk" connection - they could be from any where on earth and make it look close to the "UK" because it seems more "viable"
I hold 4 words for you
DO NOT TOUCH IT
I have hear about scam like this - I hold seen it on the word where family have lost their money - and I own had several emails of a similar temper myself (except mine were from a Nigerian Business man)
Remember the golden rule -
- If it's too honourable to be true then it usually is -
Ignore the proposal - delete all emails - do not offer out your details - throw away all junk mail -
- once they get your details, whether you do what they ask or not - they will trade your details on to all the scammers within the World - I have see it so many times.
Walk away while you can, Mate . . .
scam
SCAM
dont do it, i get those emails when i applied for part time job, its not real, i didnt trust it straight away i know it was a scam ,
By the time you know the checks are doomed to failure, your money will be long gone with no channel to get it stern. Don't fall for it. It doesn't issue what country they are claiming to be from, its still a common scam, one warn about on ebay too.
you've be spammed
thats sounds really dodgy... they are using you for money laundering purposes... I used to work for a mound.. and yeah I came across.. ability they are doing dodgy business using you to cash their money.. don't do it.. its a criminal felony
Of course it's a scam.
The company contacting you is probably NOT in the U.K. They could be in recent times about anywhere but the majority of those packages are coming from Africa and Asia - mostly Nigeria, Gambia, Sierra Leone, and many more.
You will receive some sort of check or money writ and deposit it in your portrayal. You are then asked to forward the money to them deduct 10% for your services. You send them their money and 3 weeks following, you find out from your bank that the check they sent you have bounced or was some sort of fraudulent check so you're hill deducts the entire point back out of your details.
You are out the money you sent them because YOUR check was apt and they DON'T give it support. By the time you discover that you've been scammed, you've already salaried them and they won't answer your emails, return calls, etc.
Yes, it's a scam.
You shouldn't even inevitability to ask. Good rule of thumb: if it sounds to good to be true, it probably is.
Yes logically it's a scam. Why would any reputable firm need to do that?
check out http://scamsbeware.com - consumer resource center. adjectives kinds of scam info nearby, there's also a forum where u can maintain up to date on current and future scam. And if u have any question just post it contained by the forum and somebody out there should give support to u. http://scamsbeware.com/forum Best of all it's FREE 2 enrol, just register at the top it'll be worth it for u to hold on to up 2 date on scams/fraud. Hope this helps.
Im 18 i hold 401k and i want to liberate MORE i dont want to struggle financailly subsequent what els is out in that?
Question:
Answer:
Why don't you invest some money in stocks and mutual bonds. I've started investing at Sharebuilder.com. You can buy stocks for as little as $4 and can invest any amount.
Roth IRA
YEAH ROTH IS GOOD BUT U NEED GOOD MONEY TO GET STARTED
invest surrounded by a Roth IRA in increase to your 401-k. Go to www.clarkhoward.com for advice.
Roth IRA is defintely the course to go. Plus, doesn`t matter what you deposit can be withdrawn (not the gains or interest).
Real estate contained by prime locations/areas. Investing in anything agri-fuels, bio-fuels, plant inheritance in Saskatoon, SK the "Silicon North" of Canada.
Go to www.daveramsey.com. Follow his plan & you will other have adequate.
A good book something like earning money is JJ Luna's "Skip College" from www.canaryislandspress.com.
Btw, I carry no benefit from endorsing these gents, in recent times the privilege of knowing I am giving you the tools to not make the mistakes I made at your age. :)
u can max out 401k contributions to $15,000. r u even within?
It's great that you want to learn more in the region of investing. A Roth IRA, as stated before, is a correct tool. However, you should be more concerned w/ a career. Try to find one that you soak up. However, don't forget it also needs to remuneration money. W/ luck, good money. You want income to save into a 401K and IRA. Do you jump to school and work? An nurture can help (but does not guarantee) increase your earn potential. Click on this link and see if you'll be comfortable when you are matured or living on cat food :)
http://cgi.money.cnn.com/tools/retiremen...
Keep an open mind to other type of legit business models as dead set against working a job. I work next to a very legit financial services company that allows me to build my own business and own a shot at a 6-7 figure income. Most folks will tell you this sort of entity is risky but not if you have a business building mindset and not an hand mindset.
What can you do if you formulate mimumium wage and you are trying to seize out of debt.?
Question:
I have a member time job three kids and I want to clear up my credit I hold no credit cards just other stuff from not knowing how considerable credit was.
Answer:
See if you can draw from someone to move in near you (NOT A BOYFRIEND!) to split bills with. Pay the highly developed interest stuff off first. If any of your debt can be transferred to a credit card near a permenently fixed APR on balance transfers, do it. You will lower your bills by simply have less interest to wages on a monthly basis. Not to mention, you can earnings it off faster because if you save paying the same amount you currently do, consequently more will go to principal and smaller quantity will go to interest.
The number one point is to make a budget. Ironically, the smaller number money you have, the more defining it is.
I do a simple trick to control impulse spending. See or surmise you need only just that something? Don't buy it, write it on a sticky note and put it on a mirror/frig or someplace you can see it. Then review it 24-48 hours subsequently..you'll find the 'reasons' you had disappear after some time and thought.
Quit smoking/drinking...observable wastes of money
motor pool/mass transit - gas, insurance, repairs all tag on up. I remember seeing something about the REAL cost of driving a saloon at over 75 cents per mile with the above within it
Splitting expenses with a room mate can work..merely be careful
If you stir to one of those credit counselers...be careful, greatly are rip offs. Check with your state BBB.
Good luck!
First entry you should do is go to www.annualcreditreport.com and catch your FREE credit report from all three credit bureau. next all you get to do is start disputing some of the negative remarks on you report. This will lend a hand a lot, I know because I did it.
At the shutting of each afternoon put all your spare adjust in a piggy wall. Not just the coppers, adjectives of it! It is an easy track to save almost lb50 ($100) a month to pay sour your debts faster. To stop me from getting discouraged because I forgot to empty my purse, if I find any coins when I first friendly it in the morning I a short time ago tip them into my handbag. I got this conception from a guest on the Oprah programme who has become a millionaire by using this method.
Saving money is something like spending less than you earn, closely of people on high-ranking salaries are completely incapable of doing that!
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Find parents/grandparents or other truly loving family member to take concern of your children while you get an training upgrade (to upgrade your skill set).
Work two jobs, (one full-time and the other part-time) to acquire out of debt and then acquire into a 12 month certificate program to win out of the "miminum wage" trap.
You can't make smaller amount than the minimum wage, so I would look to be something like a Nursing Assistant or Dental Assistant.
And don't bring this personally, but do NOT hold any MORE children until you get your finances and training in directive.