Help I need advice!

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  Sep 24, 2008 7:08 PM GMT

  I am so confused. Times are hard and getting harder. I have a job and it pays ok. I am in too much dept, my bad. My partner had a job that he hates. He works for the county government. The guy that is in charge is a bad Democrat. The guy that was running against him lost. My partner was working on campaign for the guy that lost. Now the guy that won is making it really hard for my partner. It is to the point where my partner could loose his job. My partner has much bigger dept problems then I. Between the two of us we were stupid the last couple of years. There is no way I can afford to pay our mortgage and our bills by my self. We have talked about selling everything and moving to Florida.
  We have talked about it for a long time because his sister and nieces and there kids are there. We are very close with them. I am afraid. I think we would have enough money to pay off everything and have some cash left. I am afraid that we won’t be able to get a good job if we move to Florida. His family lives in the Orlando area. We would prefer to live in Fort Lauderdale. I just don’t think this is a good time to move. With things are with his job is it good to stay here. Packing up and moving your life is a scary step. It is even scarier today. What do you think? I am coming to you guys because I have no one to talk to. My friends would say stay here. I can’t talk to co-workers because I can’t trust them. I have no family that I am close to. This is all stressing me out bad.

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  Sep 24, 2008 7:56 PM GMT

  Man, sorry to hear of the situation. Maybe you guys should try and stay here, everything is more expensive in Florida Oh I forgot, I used to live there but now I am in Texas, Hurricaine Ike just about wiped us out. Anyway, at least here you have contacts and friends. Florida is a wierd place for new people to that enviorment, I lived in Tampa about 30 years, its ok, but Ft Lauderdale is a real beach enviorment with a large gay scene. Its also expensive. Something to think about.
  
  All the best.
  Bart

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  Sep 24, 2008 8:34 PM GMT

  Thanks Guys!

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  Sep 24, 2008 8:51 PM GMT

  First of all, don't make all the decisions about your life at once. Do it in steps.
  What's the first thing to do? Address the debt. Cut out what you don't need, and sell what you don't need, don't use, or don't care about. If you can't figure out what to do here, you need an outsiders coldhearted view of what you need and don't need. (You'd be surprised.)
  
  From a real estate perspective, it's bad everywhere, but FL is one of the worst hit areas, and DE isn't as bad. That means that if you were to sell, you wouldn't do as well now as you might have 2 years ago, but whatever you do, it would be better than if you were selling in FL. That means that it's a buyer's market in FL.
  Don't consider moving there until you find out about employment there for one if not both of you.
  
  Plan carefully and don't make knee jerk responses. Do some research about moving from where you are as well as where you want to move to. There's a great advantage you have right now of not being forced to move in the next week. Utilize this time well before you don't have the time to utilize.
  

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  Sep 24, 2008 9:41 PM GMT

  Well said guys -
  
  Write a list of what has to change in your lives(debt/jobs) and write down objectives to acheive those goals - JUST DO IT and follow the PLAN!
  
  ALL THE BEST - be consistant and persistant in your investment in your life

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  Sep 24, 2008 10:07 PM GMT

  George, you have some good advice here ahead of me and I can't offer much more - other than to amplify on the real estate aspect. First, I'd do a pro/con list of reasons to stay where you are vs. move to Florida. If your findings indicate you should move to Florida - it will be a good time to buy something there - for the most part - and although you won't realize as much profit when selling what you have - you'll likely pay less for what you're going to buy. It is a very good time to buy real estate most everywhere. The market is cool now - but sales are happening - all over - even though you don't hear as much about them. What I see though is buyers demanding - and getting good price reductions.
  
  Aside from that - it is good to live near people you like. It sounds as though you have people/friends where you are - and then on the other hand - you have people in Florida. Economically though - it sounds as though you'd be able to pay everything off by moving, and perhaps you'd have no debt. You're not sure what the job situation would be - so how about a trip to Florida to explore the job market? Good luck!

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  Sep 24, 2008 11:30 PM GMT

  Hey Guys,
  You all have given me really good advice and I thank you very much. I will take your advice a weigh everything out. Thanks you so much for taking the time to respond to me.

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