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Questions answered by Mr Craig Brownell    (Expert Rank: 8713) Member has an expert rating of 100+
 

I'me retired and I was told that I have a lien om my 401K but they didn't tell me why. What can I do?

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Question found in Legal Other
The 401k is your property in the custody of another. You have every right to know what encumbrances (lien) have been placed upon it, buy whom and and for what reason, if any reason was provided.

Otherwise, knowing by whom should be a good clue because you probably owe them money. Liens are official claims against the property and cannot be placed without a confession of judgment (in a contract) or a court order following a hearing at which you were offered the opportunity to appear.

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Me and my husband separated two years ago and are going to get divorced. We have two young kids together and he pays regular child maintenance and has them two nights a week. When we separated I stayed in the marital home and he moved out but he could not afford to pay the mortgage and the rent on his flat so we sold the house and divided the profits fifty fifty. He brought a new house on his own and i have been renting a house. When we get a divorce will I be entitled to more money from him ie fifty percent of his new house?

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Question found in Legal Other
A great deal will depend on the family laws in your area and you neglected to say where that is.

Generally, if you divided the proceeds of the house fifty-fifty, that issue will probably be closed.

However, his income and yours are still marital assets until you are divorced. You each still have some claim on any property acquired subsequent to the marriage date, but I doubt that you can expect fifty percent of the value of his house. Much of its initial cost was from a fifty-fifty division of a marital asset in contemplation of divorce. That you chose to rent instead of buy (no asset) does not impose any particular obligation on him. You are living as if divorced and the court could likely view any transactions during that period in that light.

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Sometimes at roadworks, a line of orange lights turn on and off in sequence, giving an impression of movement.

How is this done as the individual lights don't appear to be connected.

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Question found in Miscellaneous
Each lamp has a timer controlling its on/off sequence.

Most likely, this is a random occurrence. The timing of the flashing just seems to be organized. If you go by later, the flashes may all appear to be random.

If the timers in each lamp are very uniform, it is possible that the workers simply started the lamps on an organized basis. The on/off switches on these are usually hidden to prevent tampering, but they can be operated as easily as a room light switch if you know how. It would not be difficult for workers to activate the lamps to flash in a sequence.

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Coumadin patient. Fall. Large bruise. Not

iced 'til several hours after fall. Continue today?

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Question found in Women's Health
Coumadin is a clot-blocking drug and bruises are broken blood vessels.

Ice would probably not hurt. A call to your doctor would be best.

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I have apply loan in a pvt. bank. The loan sanctioned but by chance my requirement was end. Can bank charge with me early payment charges?

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Question found in Legal Other
Repaying some loans early will include precomputed interest and service charges that the lender expected to earn if you repaid the loan within its terms over time.

Other loans can be repaid at any time without penalties, but may still involve some origination fees and other charges that were incurred to issue the loan.

Your situation will depend upon the terms in your loan agreement and they should be spelled out clearly enough such that you can perform the calculations yourself.

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Me and this so called friends know each other for years, but for a while now, his always trying to put me down, always tries to correct me, and everything I say, he tries to prove me wrong even if its a simple, " it might rain today" comment, he will freaking go online, and try to prove it wont.

Not to Mention, I get a feeling that he lacks self confidence, and tries to use me as a punching bag to gain whatever his trying to get back, he betrayed my trust a few times in the past, but came back, crawling, and ran with it in a way, that didn't make it look like it was his fault.

I am getting tired of this, he use to be a decent person, but he changed, what should I do ?

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Question found in People & Relationships In General
Your friend could be having problems of some kind.

You have to decide if the benefits of this friendship outweigh the costs.

If you decide to keep the friendship, be a friend and get him some help if indicated.

Comments :
Should i confront this friend,
let him know what his doing is wrong.

and if yes, any suggestions ?.


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Hi, I Just turned 22 years old, 6 weeks ago. and I always had a a weird anxiety feeling about my life. Some days I feel OK, some days I feel angry, short period of depression, loss of hope, and I don't know what else I can do to make this feeling go away.

I keep dwelling over past, getting angry, arguments with parents.

I don't feel like myself around other people, and some friends.

When I was younger I didn't get a chance to socialize as much, like most people around me did

I blame this mostly due to not having a car, so I couldn't get a job, make money, go out, I was home most of the time and I feel like that held me back from experiencing life to the fullest, and getting life experience out of living, majority of my time was at home, I was bored all the time, felt like I wasn't worth anything, felt like every time I met someone later on they wouldn't take me seriously as a person or try to put me down, felt like people wouldn't accept me.

I had home school after 10th grade, and even made my chances worse of meeting or making new friends, missed out on having fun, going to party's, and every little thing teens do in high school, basically experiencing life to the fullest and now I'm just peed off because I feel like I lost those years of my life and will never be able to get it back, never will be able to have a happy life or memory's, and its hurting me until now, I know this isn't normal, what can I do about it ?. Can someone give me some suggestions or advice to help me out?

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Question found in People & Relationships In General
While it cannot be conclusively diagnosed in this forum, your situation sounds as if clinical depression and/or anxiety might be involved. These can be a simple imbalance in brain chemistry and there are medications that can help. If so, it is unlikely that you can "snap out of it".

Find a therapist (psychologist) and spend some time with them. They can determine the probable causes of your difficulties and recommend treatment.

We can learn from our past and move forward or we can blame our past and continue to relive it. Life is ahead of you and you have choices.

Comments :

I dont think i need therapy,
my phase comes and goes,


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My husband doesn't want to go to my company Christmas party. I personally really enjoy my work friends, and wish he would be more social. He tends to shy away from group events of any kind. Can I make him go, or do I need to suck it up and fly solo?

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Question found in Intimate Relationships
If you make him go, neither of you will have a good time.

If neither of you are uncomfortable with it, go alone.

Otherwise, don't go, but don't blame him. It's as much your choice as his.

Old saying, but often true:

Men marry hoping the woman won't change and they do.
Women marry hoping the man will change and they don't.

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About four years ago I got a loan in my name for my then boyfriend to get two motorcycles. After we broke up he quit paying for them. I surrendered them to the company, but they never picked them up from him. He has since sold them and they are suing me over this. Is there anything that I can do about this?

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Question found in Legal Other
You are on the hook to the finance company. Their failure to pick up the motorcycles does not mitigate the situation, they still hold security interest.

You may have grounds to sue him for selling property that he did not own. This is also a crime in most jurisdictions and that could give you some leverage in getting him to pay.

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My husband was just diagnosed with MRSA. He has 2 boils on his hand. We have a 22 month old daughter. What should be should/should not do to help prevent spreading it to her? Thank you!

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Question found in Health & Fitness In General
MRSA can localize. It can be respiratory, blood-borne, localized in the skin wounds, urinary tract, etc.

At the very least, he should wash his hands thoroughly and wear plastic (disposable) examination gloves, a fluid-proof gown and mask if he must handle her or anything that will come into contact with her. Take care to dispose of these items in a bio-hazard receptacle, not ordinary trash.

Minimizing contact, although hurtful, might be in her best interests until the infection is controlled. MRSA can be particularly dangerous to the very young.

He should probably get some specific precautions from her pediatrician and an infectious diseases physician and you need to be aware of them as well. You could pick it up and pass it on to her, even if you don't contract the infection yourself.

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