Your Questions About Money Making Schemes For Kids

Susan asks…

working at home / money advice?

hey guys,
recently ive been laid off, and my only income has been coming from welfare checks and some paid survey earnings from that survey vault website. but its not enough, and i fear my kids are feeling it worse than i am because Christmas is coming up and there aren’t any jobs around my area (a huge company in my area has had all its employees recently laid off and so all the spare jobs have gone to them)

now im not going to be a douche and ask you to donate or anything, i understand im not the only one feeling the effects of the recession,
id rather earn it myself, is there any sites that actually make me some extra money from home? (i don’t mind if there’s a small sign up fee but as long as it makes me some money like SV)

please don’t post scams or pyramid schemes, im feeling trapped here and ive been losing sleep over weather or not i can provide for my family anymore, and i really cant afford to lose money over scams.

thank you in advance.

Nagesh answers:

I’m an at home mom and made extra cash by selling stuff on ebay. A lot of stuff i had around my house that i never used sold, and made the extra cash I wanted. I basically only had to work once a week, and that was shipping out the items.
If you have a skill, you can also advertise on craigslist.org for exchange for cash or trade. I see a lot of handy man ads in my area.
Years ago I also joined a company called melaleuca. But to you this might be considered a pyramid scheme. The products sold were awesome, I just didnt have the charisma to go out and sell the items.
But I wish you luck. These are hard times.

George asks…

REUTWERK old politics are nails in a coffin on an economic level?OR CAN WE PAY FOR OUR KIDS IN AFRICA TO WEB?

Yahoo’s Page and the news today on Web and Africa, leaves nothing to be desired in make up. In my days Shell, and a big business tax scheme Kept mr. Mandela imprisoned for a long time. Resolutions by a common attitude to worship money instead of Nature. WE feel responsible when we always were a Greenpeace person. Colonel Gadaffi, stands to be promoted for his:”Every Child in the World a computer to take part in Internet and Existence in its Promiss.” Happiness works best in a free accessible info and solvent Web, which should not be held back in its creativity to employ, hence the Pegasus in deployment< it happenedhonestly may not>be a senate< for debate in an active warzone> shell & makro< obliterated all resolutions taken against "apartheid">>>SLAVE OWNERS without any say in “GOODWILL”>like the stalemate Iraqna today<leaving it"s PRIME MINISTER (MARTIN LUTHER KING TYPE) unable< to perform liberations and retributions awarded to his station (home)o

Nagesh answers:

Hmm, where to start….um…well…um, ah…hmm. Ok, uh, I guess I can start with “we” can not pay for our kids in Africa to web. Plain and simple. The old politics are bad. The new ones are too.

Let me say, I think you would be a world class spammer for Emails. Thats some good stuff, really. It would go right through my spamwatch program. You have a future in emails…thats my prediction.

Oh yeah, and Please vote for the best answer!

Mandy asks…

How would you evaluate this and handle the situation? (quite detailed)?

My partner’s mother has been stuck with this marketing scheme for years and haven’t gotten anything stable out of it. Their family used to be quite wealthy until the grandmother did something unthinkable to their money and eventually they all went down the drain financially (the grandmother already passed away). All the kids (including my partner) now have their own jobs and the dad is retired.

The thing is the mom is rarely ever there. She’s already of age but is obsessed with the idea that she’s somehow going to strike gold with these bunch of people she “works with” trying to get “huge commissions”, An aunt did get lucky with a similar scheme but I think that makes her obsession even worse. It’s been like this with her for around 5 years according to family members. She keeps telling them promises, but along the way asks her children (2 of them already have families of their own) money for phone credit, for transport, etc. At first they would give in but now they sometimes only give money for phone credit in case of emergency.

They ALL have already tried talking to her about this. I think these people she hangs out with are such bad influence. What has happened in the last 5 years? She doesn’t even show up on Christmas, birthdays, and other events such as the birth of one of her children’s baby (her “job” is requires her to travel out of town). The sad part is she graduated with a medical degree – she says she’s already too old to get back to her old job, which actually pays her decent and has more stability and doesn’t force her to constantly ask for “petty cash” from family members.

From my observation it seems she’s resenting the fact that the family used to be very wealthy and now have to live like most other people. She’s holding on to an “invisible” promise her co-workers/superiors appear to have sucked her into. I think the longer she’s out of town, all the more the “need” for her to “finish the job”, whatever it is. She sometimes does text her son very emotional messages like i love you very much and i miss you and your dad so much. It makes him so sad and hopeless to help her.

What would you do in this situation to help?
@ No Real Help, You’re right about people having the right to live their life. I even feel like we have the same views on that, as I usually keep to myself most of the time. It’s just…let’s not forget she gets financially dependent on family members. If your mother suddenly texts you “please it’s important, send me phone credit” (where I’m from you can actually send credit to someone’s account), how do you deal with that? As she IS part of the family, appears to have a psychological issue and does deserve our love (she was never the abusive mother, she just became very misguided) me and my partner can’t just leave her like that. I guess I’m just trying to find out if anyone has a suggestion on how to reach her somehow and bring her back to reality. It’s really like dealing with an addicted gambler…

Nagesh answers:

I would leave her alone, but maybe stop sharing petty cash and encourage son to do the same. Explain ” we’re having a budget strain sorry we can’t help this time” you might also add ” I know of a jobs website you could use to find a steady income if you want i’ll help you look”. Only add that if she asks for money. If she refuses just tell her you were trying to help the best you can. She might be addicted to the fun of the company she’s playing with but family shouldn’t pay for it. Ignore the holiday absences, if she wanted to be there she would be! So don’t coddle her with messages of how she was missed on christmas etc.. In fact don’t even ask her if she had a good time, don’t get a gift. This is a passive aggressive technique she’s trying to use here so ignore it completely. But do continue to invite her, if she can’t make it don’t ask why, just say ” thanks for the notice I have more planning to do.” Don’t get any sore feelings from her, because she seems pretty gutsy and emotionless to be asking for money, then acting so cold. Best to let her go her own way.

Jenny asks…

Are we right to be upset at Daughter/Sister – are we seeing this clearly?

My sister “Jill” is 43, divorced, and has two kids. She also hasn’t had a job in over a decade. She has bounced from one get rich scheme to another and dabbled in everything from multi level marketing, voice over work, writing screen plays (more on this later), selling inspirational bracelets etc. She is smart, beautiful and possesses significant computer skills. Jill can, and has, turned a buck with part time web design. However, she has refused to seek a typical 9-5 paying job that would allow her financial independence.

She spends the majority of her day on the internet reading about politics while she and her children live with family members and boyfriends, never paying rent. Every time she’s approached about finding a paying job, she insists she already has one (see above, quick rich schemes). She would then further comment that she refuses to be like the rest of us “sheep” who slog to lifeless 9-5’s each day. She was better than that.

Jill does not have the education required to stride into the corporate world instantly making six figures. Consequently, she refuses to take her place at her 10-$15/hour reality station and then climb the ladder because in her mind this would mean she was now, “classified” as a working girl and not an any day millionaire in the making. This tiny bit of reality is NOT acceptable to her as she often refers to people she deems less than her as “trailer trash.” This is sadly humorous in that she couldn’t afford the trailer to become a member of what she considers the “trash” community. That is until Grandma passed away at 93 years of age.

My 93 year old Grandmother passed away a year ago. All of her grandchildren were close with her but my sister, “Jill”, was the closest. She was my Grandmothers only Granddaughter and for the most part, Grandma was unaware of Jill’s view on work.

When Grandma was 92, she was lucid and sharp as a tack. When Grandma was 92.5, her mental condition began to deteriorate rapidly. Something Jill would often comment on. Jill visited Grandma at age 92.5 and became the executrix of her estate as well as the paid upon death benefactor of her sizeable bank accounts and CD’s. The family would like to give Jill the benefit of the doubt that her visit to Grandma during her decline was innocent. However, given the pictures of the Mercedes Benzes’, BMW’s and ocean front homes Jill would hang above her home computer, it was clear Jill has expensive tastes but refused to take a job to fulfill them.

At age 92, pre-Jill meeting, Grandma had her will revised to gift some of her cousins as well as adjusting percentages of the estate to be given out to her three children and grandchildren. The will stated that Jill would get equal amounts as the other grandchildren but would also receive grandma’s jewelry. This would be a generous sum but far from life changing. When Grandma passed, Jill took it all. Jill and I have a mother who is wheel chair bound and on a fixed income. Mother wasn’t given a dime of her own Mothers estate (no one was).

Jill’s justification was that Grandma must have wanted her to have everything because she was the paid upon death benefactor on the accounts. The family’s position is that this was done because Jill was just made the executrix of the estate and to avoid probate and unnecessary legal fees. Furthermore, Jill was the only one who had the time and incentive to make the big “push” on grandma in her declining moments. It appeared that she made Grandma her job. In fact, right after Jill ran out of the money Grandma had previously given her, she moved in with me. Again. A day after she moved in I received a call from Grandma who was angry with me because Jill had told her that I “begged” her to move in with me. Grandma wanted Jill to move near her and help take care of her. Grandma was just starting to get wise to Jill and demanded that while Jill was in town, she had to get a job. Jill refused and told Grandma I needed her company as I just went through a divorce. Of course, this was a lie.

After Grandmothers death and when Jill’s intentions became clear, my Mother and I let Jill know, in crystal clear terms, what we thought of her actions. To be truthful, we were angry and we said some very unkind things. The frustration of her get rich schemes, “living in our basements” and refusal to get a job and now taking Grandma’s estate boiled over. More than anything, we were devastated that Jill would stoop so low. After our harsh words, Jill quickly gathered her daughter and quickly moved out.

We have not heard from her in a year. We discovered through the internet (facebook…friend of a friend of a friend) that her young daughter was just diagnosed with a brain tumor. The family tried to make contact with her through her ex-husband and she stated if any of the family members show up at her door, she would call the police??? (note, we don’t even know where she lives). Last week, her daughter had brain surgery and

Nagesh answers:

Yes, I would be upset at her. It sounds like she schemed to drain the estate legally despite the grandmother’s wishes and last will. She essentially stole the money from you and the other family members. And despite her pretending to be innocent, she knows full well what she did. I would let her know that you expect to be paid the proper amount and then write her off.

Too bad about her daughter. When she becomes an adult you can apologize and explain that you would have offered support during her illness if the mother had not intervened.

As far as the free rent and work ethic are concerned, let it go. Those are her choices and you actually aided her by letting her get away with it in your home. Forget about it.

Life is too short to hold on to grudges like this. It happened. It’s over. Get on with your life.

Laura asks…

Would I be considered high risk for depression during pregnancy and after birth?

Not pregnant at the moment, but plan to try for a baby in the next few years to come, just as so many girls do.
I suffered from depression from the age of 12 and it got really severe age 13-16. I hated myself and self-harmed and let men abuse me because I didn’t think anyone wanted me anyway. I was bullied badly at one school I went to. I stopped going to school because of how people there made me feel and got into the wrong crowd – started smoking, drinking at 13 and then onto drugs at 14.
I fell pregnant when I was a few months off 15 and I couldn’t cope with the idea and tried to pretend it wasn’t happening. I then miscarried and still haven’t quite gotten over it 3 years later.
I got help from psychologists and a youth support scheme after a lot of effort into making them realise that them telling me they couldn’t help me due to money reasons even though they thought I needed it. I got into a really good school, restarted gcse’s and it changed my life because they understood me eventually and supported me through everything, including self-harm and breakdowns. Also having school work to focus on gave me something to be motivated about. I left school with 13 A*-B gcse’s which I am SO proud of myself for.
My depression hasn’t been so bad lately – amazingly due to simply being on a certain type contraceptive pill – apparently my hormone levels must have been pretty screwed. I had been on antidepressants when I was younger but stopped them abruptly and I’m determined to stay off them unless it’s crucially needed. I also got more chances to socialise by living away from home and where there were other young people and adults who were always willing to talk. Home stress was also a major factor to the depression.
So obviously, once I do choose to have a baby, being pregnant I wouldn’t be able to take the pill that has changed my moods.
So I’m worried I would end up getting bed with depression again. And it’s not in my nature to say I don’t want kids because whatever my age, I guess I could be at risk of depression during pregnancy and subsequently postnatal depression.
Do you think the doctor and a midwife would consider me as high risk for depression?

Nagesh answers:

Hi, I have a similar history to yours and I did find that pregnancy hormones made my emotions much stronger and more difficult to deal with than people who were more stable generally. Its like losing a layer of emotional skin – you feel very sensitive and vulnerable. However I have a healthy, happy little girl. I would suggest that you are already showing positive signs of being able to cope with the emotional roller coaster that is pregnancy because you are thinking ahead and being realistic about your difficulties. As you have already overcome many of your problems in a positive way you are also experienced at dealing with strong feelings.

I would suggest that you take extra precautions to look after yourself when you ready to get pregnant – don’t do it until you are in a relationship with a thoughtful supportive man (my husband was fantastic) and also make realistic plans about reducing work hours etc so that you do not feel overwhelmed by trying to work long hours whilst pregnant as well as all the domestic stuff. Make sure you get enough sleep when you are pregnant and also take gentle exercise every morning to boost your serotonin levels. If you can it would be idea to plan your pregnancy so that you give birth between april and september (If that is when weather is good where you are) but I realise this is difficult. Post natal depression has two parts;
1) The baby blues hormonal stage – the first two weeks – I cried a lot but in a cathartic way – this passes.
2) Reactive depression – this is when the routine and isolation of a new baby starts to get you down – plan for this by joining baby groups, arranging to have friends over and asking your partner to give you time off – I began to feel slightly depressed when my baby was about 3 months old and my husband then gave me time off from 6pm on a Friday night to midday on saturday and this was something to look forward to – I could go out with friends or just have a nice dinner with a bottle of wine and stay up late watching films knowing I did not have to get up in the night.

I think you should continue working on your depression and self awareness of it for a while longer and then prepare well. My sister in law suffered from severe depression – she was hospitalised several times and had ECT for it. She was in a bad way until she was about 25 and then she learned to get very proactive with it – when she felt it coming on she would put the baby in the pram and go out for long walks and she learnt to ward it off. She also asked for help when she needed it. Her baby had terrible irritating eczema and her husband was useless – she was seriously sleep deprived and in desperation went down to social services, said ‘I can’t do this anymore – you’ll have to take her away.’ and went outside and cried. This worked hugely in her favour – the social worker had been keeping an eye on her because of the severity of her depression before and her inability to recognise it coming on. WHen she did that the social worker told my sister in law that she now felt much more confident in her parenting skills because when she needed help she had asked for it. They were wonderful – chasing up the doctor to hurry up finding the cause of the baby’s exzema and getting her a childminder to give her an afternoon off twice a week where she could catch up on sleep of go out alone. Social services will always help you if you ask before a crisis hits.

You are still very young and have already overcome a lot. If you remain focused on becoming stronger and being healthy and responsible then there is no reason why you should not be particularly well qualified to deal with the emotional demands of pregnancy.

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Thursday, June 28th, 2012 Money Making Schemes

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