I have bought my parents home and my husband and I moved in with them. I do not work, so I provide all transportation, and pay most of the bills. They pay for their own prescibed medications, I usually get the OTC medications. We split the bills, (they pay the electric, I pay the phone, etc.) I have been told that I might could use milage on my car for the doctor visits, which add up to quite a bit. Can anyone offer me some advice?
136413
You can include in medical expenses amounts paid for transportation primarily for, and essential to, medical care.\n\nCar expenses. You can include out-of-pocket expenses,\nsuch as the cost of gas and oil, when you use a car for medical reasons. You cannot include depreciation, insurance, general repair, or maintenance expenses. \n\nIf you do not want to use your actual expenses, for 2005\nyou can use a standard rate of 15 cents a mile for use of a \ncar for medical reasons before September 1, 2005. The\nstandard rate allowed for use of a car when you use it for \nmedical reasons after August 31, 2005, is 22 cents a mile. \n\n\nThere is a full explanation of many things you can deduct found in IRS publication 502.  It deals with medical and dental expenses.\n\nHere is the link to the publication:\n\nhttp://www.irs.gov/pub/irs-pdf/p502.pdf
449174
If the doctor really messed up you need to see an attorney. Sorry to hear about problems getting a loan, I wonder about how many people get loans all the time with the increase in house prices, etc.  Good luck.
195098
I see the appeal of every situation, here.  Living with your parents translates to very low living expenses.  Keeping your job means good income.  Buying  house builds equity for you in the future, and "locks in" your monthly housing payment...the bank won't ever raise your rent.  Finishing your degree can lead to more financially rewarding employment.  What if you could do it all?\n\nIf you kept your job and bought a house that you could just barely afford on your current income (and right now is an awesome time to buy, since there is very reasonable loan money available, still, and the housing market is down in value a bit), you could continue to live with the 'rents for the first 3-6 months while you spend your spare time painting, etc. to get your new place just right before you had to live there.  Ask anybody who has spent the first year living in HGTV wannabe chaos how much they wish they could have done that.  Make sure you get a place with 3-4 bedrooms and 2+ baths.  When your friends see your great new pad, you're going to find two of them who would love to live in a place that nice, and this is where the magic begins.  Assuming you've bought a $175,000 house (the market is wildly different in different parts of the country, so the math will be different, but you'll get the idea), you're looking at a total if maybe $1,400 for the payment with taxes and insurance.  Now, out of your pool of friends, there are going to be at least two of them who would love to (and are cool enough people) pay a mere $500 to live in this nice a house (as opposed to living in some tiny apartment).  You're now living in a $175,000 house for $400/month...kinda.\n\nRather than entering that money into the general income stream, put that $1,000/month away into a new savings account.  Even if you have to "raid" the cookie jar for those occasional end-of-the-month emergencies, you'll be socking away $10,000 a year.\n\nMeanwhile, take just one class per quarter while you keep your current job.  If you can commit to 2 years of this, here's what life looks like at the end of that time:\n\n*You own a nice house (well, actually the bank does, but you know what I mean)\n*You have $20,000 in your education fund\n*You have all the College credits you already earned, PLUS you've gotten 8 quarters' worth of those pesky History, or Math, or English requirements out of the way.\n*You're ready to take on a part-time job, and now only have to deal with your core classes for your major full-time because your housing cost is $400/month and you have reserve money to dip into.\n\nYou'll graduate ready to take that first job, and be able to live, alone, debt-free, in a nice house.
335699
When I was growing up, my mom was able to stay home and raise her children. That time frame did not require both parents to work in order to pay the bills. Now that I am an adult, I have found that industrialization means that both parents must work, simply to make ends meet. We have less time as a family to sit down to supper (depending on the work schedules), and even less time to go on family outings. I think it is sad. We work mainly to pay the bills, like house and car insurance, health insurance, gas bills, etc, etc. It's not easy to live on one income anymore. Sadly, my children will probably grow up with the knowledge that both mom and dad have to work, again, just to make ends meet.
380961
I would suggest setting up a flat rate for each service within a certain mileage limit of your home. If you make more than $400 in a "hobby" then you must file Schedule C- Business profit or loss. If you run this like a business, you are eligible to deduct milage regardless of what you charge your clients. \n\nHourly rates of $15-30 are not unreasonable because if these affluent people's time is spent making the big money, they wouldn't second guess your prices.
90251
First of all this sound very serious especially when it comes down to your personal finances. I would just refer to a lawyer or if not find one. If you don't have one some lawyers depending on what the question is will give you a free consultation on the first visited and after that they may charge you. Or if you know someone that has dealt with this type of situation before then ask question.
12844
if you go to the hospital to get checked out, there are two options for you: \n1.) Free care policy- this is based on your income.  now if you make too much for this ..........\n\n2.) the Hill Burton Act- the sum of this act is basically this.  you go to the hospital and get a 350 dollar bill.  as long as you are showing some progression towards payment (ex. 20 dollars a month) they can not deny you health care.   \n\nlook up both of these 2 options for the area that you live in.  but dont hesitate to go just because of a money situation.  it could be something serious!  good luck
329636
The first thing I would do is try to get social security to pay for more of your medical bills. You may need a lawyer to get this but maybe not. Check their web site to see what they say about coverage through Medicare.\nContact your local social services through the county of your residence and see if they have a medicade program where they can offset some of your medical bills. These services that they provide are always qualified by expenses that you pay not just on income. \n\nSecondly, if all else fails you can get student loans through financial institutions that do college loans just for students like Federal Perkins Loans or Subsidized Stafford loans. They can be contacted and negotiated right through the college. The federal and subsidized ones are much easier to get and virtually undeniably cheaper to pay off. \n\nThere are other commercial lenders like "Goal Financial, LLC undergraduate division" tel #1-800-219-8808 or "Student Loan Express (for parents to get the loan regardless of income) tel #1-866-823-5287.\n\nI have just gone through this myself and found that when I spoke with the admissions people at the colleges, they were very helpful and started becoming very creative.\n(no I don't work for these people nor am I affiliated in any way - just trying to give specifics, I don't even know how well these people work. I'm just trying to do my best for you here)\n\nLastly and least attractive is a second mortgage on your residence of you own your own home. But interest rates on second mortgages are dangerous especially in your situation. \n\nBTW. I agree with the other post that a 2 year community college may be the way to go to start. Your son can always transfer later and get his 4 year degree from a great college after without having to pay or owe through the nose for the first two years.\n\nBest of luck to you and your son.
247944
Thats a decision to be made with your lawyer. Usually, its how much you feel you should get to cover damages (to the car, and of course, yourself/medical bills) as well as the time away from your child, if you fell you can place a price on that. Your accident lawyer should help you set reasonable goals.
556177
What if your husband could put some more hours in to support you while you attended school? Also, you mentioned on another page you work with credit, so I'm sure you could find ways to obtain a loan during that time. Final option: downsize. Too many people voluntarily join the "rat race" with their monthly payments on a nice car, nice house, and other items that aren't necessary.
459398
Time to call our Doc. It is not a time to worry about bills.You need to know just to ease the mind.
557420
I agree with you on the position that staying home parent and taking care of the kids is a full time job.  But unfortunately since you are not earning income you are not considered working by the laws.  Why loan companies do not accept you only based on your income? Because you don't have any.  This is how they are looking at it- if they give you the money and you don't pay them (either loan for a mortgage or car or personal loan) how can they get money back from you?  From where?  If you earn money they can get a garnishment of your income.  And keep in mind that they are not in the business of repo-ing cars or taking away your house.  Don't get me wrong-they'll do it if they have no other choice but they would prefer to have another outlet of collecting their money.
110630
it's very hard to leave when your lives are kinda of one. you feel bad for leaving. since most of the stuff you share are in your name and you don't want to leave him with nothing. i understand how your feeling right now. i really do. in some ways I'm in the same boat.as i sit here 1in the morning have way to much on my mind to sleep.looking for people to help or dealing with a similar situation.if you feel you can sit down and really talk things over with him no fighting aloud.get all the bill that are in your name.close them or ask that he be taken off.set up a account so its not hard on you when you do get your own place and if i were you i would tell him to do the same. the best thing is try not to fight it will only bring more problems along the way.since both cars are in your name and one is paid off. see if he wants the other car he would take over the payments and get it put in his name just in case later down the road something happens your not responsible.i know its hard but you will work everything out and move on happy that you did. you ever need to talk e-mail me brooke_sittner@yahoo.com
461667
This sounds like you have a very unhealthy family.\n\nI re-read your comments about your dad,  hmm he is a very sick very abusive man.  If what he was doing in his family was o.k. why would it be bad to go out side the family? Normal healthy people care about one another ... More comments about this at the end\n\nI don't think it is true that your parents can prevent you from seeing a doctor.  The doctor may need your parents permission to treat you, but if you take the initiatve of making the appointment and going to it and talking to the doctor ...  that puts you in a better position to get treatment.\n\nYou don't say a lot about your situation.  Are your parents working do they have health insurance?  Are they in the Navy and you are stuck with the medical that is on base for military dependents?  Are they planing on paying for you to go to college?  \n\nI checked this weekend and Generic "Effexor" which many people find effective for anxiety is $72 a month.  That is not to much money for anybody in my opinion ....\n\nThe point is you have tried to fix it on your own ( if telling yourself STOP and thinking about something else doesn't work, than yes you have panic disorder or some other form of anxiety and need help).\n\nYou are painting a pretty bleak picture, and one of the problems with anxiety is cognitive distortion,  Everything seems hopeless and like you can't do anything about it.\n\nTry talking to a counsolor or teacher at school.  Do you have another relative you can talk to?   Consolors at school will know the most about what a 16 year old can do for herself and how to talk to your parents about it ...  Basically school consolours are pretty useless but they are going to know the most about your situation ...  \n\nFirst you ought to be able to do something about getting approriate treatment now. \n\nSecond, avoid drugs an marajuna if you have ANxitey or panic, because those will make it a lot worse ( but you'll be stoned and not know it)  and I've seen lots of people take 20 years getting around to dealing with anxiety because they wasted the best time of their life ( their 20's and 30's ) stoned\n\nThird,  I know it seems like an eternity, but its less than 2 years till you turn 18, then you can leave the house ( probably a good idea if you have parents who are responding the way you describe) get a job and get appropriate care for youself.\n\nIf your parents are going to send you to college, don't let them pick an isollated school in a small town.  Go to a big school in a city where they will have mental health conselors on campus and  a good student health clinic, then when you get to college go straight there and tell the doctors what you need.\n\nIf your parents aren't going to send you to college and you can't go yourself, get a job, move out, ( or hell just get a job and go see a doctor on your own and get the care you need ...)\n\nThese really sound like very sick people your parents ... And it took me a long time to figure out I had to move out, get a job, live with people who were my freinds and didn't think it was o.k. for anybody to suffer from anxiety of depression, and pay for my own medical care to get what I need.\n\nI wasted to many years trying to get along with my parents before I moved away.  It took about 5 years after I moved to get through all the grief to get where I can get  better and have the kind of relationships I want.\n\nKnow this you can get through this ... never forget that.\n\nYou have a couple of options for dealing with this.  One is since you are 16 obviously able to make decisions for yourself you can do something called apply for the right of majority with a court, its basically where you ask a judge and the judge looks at you situation and says yes, you are able to make you own decisions and they give you the right to be an adult even though you aren't yet 18 .... you will discover in practical terms at 16 if yo
335980
It is very hard. I am on that road too. Father is in the same boat. You have 2 basic choices, you take guardianship and to heck with their wishes and make the decisions for them. Not the nicest way to go. Or you find out who deals with the seniors in their area and you have them set up things that make life more manageable, if not perfect for them. Hire helpers, volunteer drivers and visitor. Can you get nursing aid to visit for medical checks and medication management? It a long and winding road at best, but  really all they want is as much independence and dignity as they can  muster at their ages. Here we have a commission on aging that will help you review your options, they can asses your parents and see what the underlying reasons are for missed medication (lack of money, forgetfulness, too cheap to buy it, difficulty taking it) When the send out a worker list here i know that background checks have been made and references are checked, it is still a hard match to get personalities to mesh. In reality I make the drive myself several times a week, do shopping, get meds, do heavy cleaning, fix televisions ( remotes baffle him he keeps locking the features out). Life would be far easier if he would move into a assisted living or agree to live here, but alas he has rights to stay where he is and be independent as long as he is mentally fit and not a lear danger to himself and others. You have to realize a large portion of their life was in that house, it marks their history, accomplishments and memories. You may just have to dig in and make it as safe as you can for them. Talk to  a senior center, social worker, aging speialist and know what options are there and what rights they have and what benefit they get from not moving. Its complex, do a lot of asking and research. And talk to them plainly about how much stress and worry you have about them, but listen to them too. Good luck.
80504
Yes. Any money that is attached to your social and is turned into the IRS goes in your file. Go ahead and claim the money. Put it on a schedule c fill out the 8829 business use of your home. You can take meals, cable,electric,phone,and toys that you bought as long as the kids you watched were aloud to use them. There is so much you can deduct. BE careful if you get the earned income credit you do not want your income to be to low or you will get less back. If you earned to much for the credit it might get you low enough to get it.What are the reasons you did not want to claim it. If it is the tax your expenses should take care of that. We try to get more stay at home moms to babysit it is a great tax write off. Meals you can take off the meals that you feed them also. You can take the miles to get the toys and food off there is so much. I'll be watching to see if you put any more info in. What the guy said is not true. Well it is if you are a w-2 employee. If you got pd cash you are not. If you got pd cash and made over 400 then you have to file a tax return. The reason is you have not pd social secutity and medicare tax. I'm not sure how that will affect the kids medicade. If you show that you actualy did not make any money eventhough you got pd. It might not matter? I dont know. If they ask you can just tell the truth yes you got pd. but you spent all of the money on taking care of the kids. Go to IRS.GOV pub 587 is the business use of you home and form 8829 is the form you will fill out for the business use of your home part. Ypu can also type in childcare in my home in the keywords box and see some of the topics they have listed. With all of the deductions that you are aloud to take there is a good chance that you will not owe money but show a loss. Any toy you bought you can write off as long as the kids you watched were aloud to use it (outside toys,swing set ect)
131508
It is really hard to say. It depends on what the office call is and what the doctors diagnosis is. Then after that the medication that he is put on and if he can get a generic or if he needs the name brand. \n\nIf you have a high deductable and it hasn't been all covered, then you may end up paying for most of the visit anyway.\n\nMaybe he should look into getting his own individual medical insurance. \n\nHope this helps. \nGood Luck!!