Co-signer advice needed..... - Page 2

[LEAW]

I know moving and having a new job is really exciting, but I have to agree with the pp, there are TONS of RN jobs near you NOW. There is a shortage of nurses in the greater Cleveland area, some close to your home, some on the other side of town. Why not get established there, save a bunch of $, and then reconsider moving?

I know you and Mark have both been in school for a long time, and with lots of kids to watch, so I'm guessing you have a pretty decent amt. of student loans to repay, etc. I know I did after I finished school...

(Congrats BTW on getting done!)

Anyhow, the financially responsible thing to do is to stay put, to get a job, start saving money, send Mark back to school if he also wants to finish, etc. With 12 hr shifts, it's likely you could set up your work schedule around his school schedule so that you don't have to find childcare.

EMH is nearby to you:
http://www.ehealthconnection.com/reg...ntent/jobs.asp

SJWS is actively recruiting nurses:
http://www.sjws.net/human-resources/job-search.asp

The Clinic is desperate
http://cms.clevelandclinic.org/body.cfm?id=368

[alicia9178]

Oh I by far know there are a lot of jobs in the Cleveland area...HOWEVER...as a new grad getting a job in a LDRP is close to unheard of. I have worked my butt off and I was highly recruited by numerous departments after interviewing in Florida...and 2 of them were OB Depts...one at a larger hospital that was less birth friendly and one at the hospital I am choosing that is much more birth friendly and the unit is even managed by a Doula. It is an opportunity that is one of those once in a lifetime things.

Lisa, Yes...Mark and I have worked hard...Mark is even dropping out of nursing school for me to do this...so if I go to him and tell him that we are not moving he will kill me. I need to give this to him....he has had a horrible year, and I need to give him a new start.

Alicia

[1growingsprout]

Oh I by far know there are a lot of jobs in the Cleveland area...HOWEVER...as a new grad getting a job in a LDRP is close to unheard of. I have worked my butt off and I was highly recruited by numerous departments after interviewing in Florida...and 2 of them were OB Depts...one at a larger hospital that was less birth friendly and one at the hospital I am choosing that is much more birth friendly and the unit is even managed by a Doula. It is an opportunity that is one of those once in a lifetime things.


congrats on the offers however if they are HIGHLY RECURITING YOU straight from college they know you are short $$... I still say if they want you bad enough they will come up with moving assistance....
I know its not what you want to hear but DH and I have passed up a 'once in a lifetime' opportunity in the past.. while it washeartbreaking, it didnt break our bank

good luck in what ever you decide, i still say push for relocation expenses in your contract, if they want you bad enough they will pay...

it also sounds like you are running from ohio... make sure your emotions are not making your decisions

[Dar]

I think delaying gratification is really an important thing to learn, if you want to get ahead financially. I know your husband is unhappy, but geographic cures rarely solve everything, and as adults we don't always get what we want when we want it. Moving now is iffy and puts you even more in debt. You don't even know that you'll find a house in a week... could be much longer.

Take a job is Ohio. Live frugally. save a lot of money. In 6 months or a year, start looking in other places. By then, you'll have enough money to take a weekend trip to fly down and find and rent a house before moving - they would save you a bunch. Then take your nest egg and move, debt free, knowing that you have some money set aside in case things don't work out.

dar

[SusannahM]

In your estimates, you are estimating about $5000. I guess I don't see why you are so willing to spend $3000 you already have to get what looks like WAY more than you need, when you really only need $2000 above what you have to spend.

The thing is, a co-signer assumes the full risk for your loan. It's just like they are getting the loan. I think it would be very hard to find someone that is willing to take your money for something like that and trust you. To anyone that doesn't know you, it's going to seem sort of fishy, I think. You could, however, entice someone to loan you the money if you were willing to pay a high enough interest rate. Payday places would probably do it, but what I suggest is http://www.prosper.com which is a legitimate site for people to loan money to other people (peer-to-peer lending if you will), the site handles checking the loanees credit, withdrawing from the loaner's bank accounts, and then giving the loaners the payments as the loanee makes them.

[shayinme]

Originally Posted by Dar

I think delaying gratification is really an important thing to learn, if you want to get ahead financially. I know your husband is unhappy, but geographic cures rarely solve everything, and as adults we don't always get what we want when we want it. Moving now is iffy and puts you even more in debt. You don't even know that you'll find a house in a week... could be much longer.

Take a job is Ohio. Live frugally. save a lot of money. In 6 months or a year, start looking in other places. By then, you'll have enough money to take a weekend trip to fly down and find and rent a house before moving - they would save you a bunch. Then take your nest egg and move, debt free, knowing that you have some money set aside in case things don't work out.

dar

ITA w/this. My dh & I relocated from Illinois to Maine almost 5 years ago for family reasons and I can say that we did everything on the cheap and it still costs tons more than we planned. Sounds like you have some good reasons for moving but if it were me I'd probably stay put a while longer and save until you can actually afford it.

Like others have said co-signers basically are putting their credit on the line and if you don't pay its their credit that takes a beating hence very few people will co-sign for anyone.

Good luck, hope things come together for you.

Shay

[alicia9178]

Thanks for the reccomendation of prosper.com....we posted our loan request lastnight. It is so scary to put ourselves so far in debt just to move, but DH said that since he has dropped out of nursing school so then we can get this fresh start we have no choice.
Alicia

[talk de jour]

Originally Posted by alicia9178

Thanks for the reccomendation of prosper.com....we posted our loan request lastnight. It is so scary to put ourselves so far in debt just to move, but DH said that since he has dropped out of nursing school so then we can get this fresh start we have no choice.
Alicia

Yes, you DO have a choice.

The dropout is not irrevocable.

You do not HAVE to move.

Don't fool yourself.

[1growingsprout]

so what happened?

[wednesday]

Any update on this?

[brittneyscott]

I understand the urge to move. My dh and I have to get our family out of our current area too. Its AWFUL and I can't stand the idea of raising my kids here. I hate the area so badly that there are times I just sit down and cry because I don't want to be here anymore or don't leave my house for 2 weeks unless absolutely necessary so I don't have to see where I am... so I understand. We are planning on moving in September. I'd love to do it tomorrow but we can't afford to. I don't want to have to move back because we jumped too fast and it didn't work out. Get a job and save up the money for moving. I know you don't want to, I don't want to either but thats the way we're doing it. I'm trying to cut our expenses as much as possible now and save every dime I can. I'm even thinking about getting a second job when I go back to work after the baby so we have more money to save. I don't like the idea of leaving my baby anymore than I HAVE to but if it helps us move quicker...? I'm sure there's some way to work it out. Maybe chose a date to move in a few months and start saving for it. RNs can get a job anywhere anytime so you can get a job in a few months in FL.

[Knittin' in the Shade]

in this thread she wrote that they're moving to Arizona for an L&D job, so looks like things worked out
http://www.mothering.com/discussions...&postcount=567