Why me?

So. The house I just purchased is a duplex (that can be converted into a single family home). We pay all utilities except heat for $395 dollars monthly (thats the current rent on the unit). However, annual house insurance is 40% higher for using it as a rental. I'm not sure how much we will be making per month, but the income for the upstairs unit is almost starting to currently seem not worth it. It may be between 1-200 dollars a month profit. Then I have to deal with renters (the one that is here decided to stop paying rent and give me and my family a huge attitude because I gave her a notice to pay or get evicted) in my home. Once I pay the house off in a few years (5 years to be exact), it would be an ideal rental because I won't live here and won't feel uncomfortable in my own home. I bought the duplex contract for deed because of my credit and pets, and I did not have enough to qualify for a down payment or mortgage.

So, any thoughts? Advice? Think it's worth the extra 1,200-2,400 a year? We can afford the place fairly easily without tenants, but it is a duplex. I just didn't realize how easily a tenant could disrupt my life because I live so close. She threatened my dogs, yelled at my daughter, threatened to call an inspector (because I guess 1 electrical outlet is not working), and is unwilling to allow me into the place to fix anything. Oh, and she called the police on me because my dogs escaped when I opened the door. I also only officially owned it for less than a week! However, another tenant may be much more pleasant. Sorry for rambling! So rent or no?

Note: Also I could increase the rent, but the upstairs does need some updating and we aren't in an ideal location for prime rent.

I am moving out of state and I am going to rent my house. I received an applicant that seemed nice, had a guaranteed income, and was just hired somewhere. They could pay the rent I am asking for. They claimed to have had issues with their current landlord, so I do not have a reference for that. Also they were up front with me telling me that he would give a bad reference. Then they gave me 2 personal references. 1 was a friend they apparently rented from and gave them a glowing reference. The other was with parent of one of the applicants. He was like DO NOT RENT, he's not welcome here, he doesn't trust them, and he would not rent to them. He will pay you for about 2 months and quit, and some other disheartening personal information. Should I risk this or is it not worth it? I know sometimes a fight with parents can become ugly. Thoughts/suggestions from other landlords?

My daughter is 6-years-old and my husband and I have been working with her for a couple of years because she has some pretty nasty behavioral problems. She has a therapist that she sees weekly and she does not respond to normal discipline methods (so we are trying another approach). I love my daughter more than anything in the word despite her tendency to act really bratty and mouthy.

Now, my friend and her 4-month-old daughter have been staying with me and she constantly badgers and tries to parent my daughter. She was not around during the worst of her behavior and only sees her much improved current behavior, which still needs some work (which I am doing!). My friend constantly tells my daughter, "If you were my daughter I would have spanked you!" or "You would not act like that if you were my kid!" She even went so far as to ask me if she could "super nanny"my kid for a week. She also harps on her for everything and acts like a child herself. She constantly nags her about pretty much every little thing and always tells her that she is an adult and needs to listen to her. She will even argue with her and they go back and forth like a pair of adolescents. Then she goes on and on about how many germs my daughter has on her (even though she doesn't do her or her baby's laundry and her and the baby smell like dirty cat litter) and acts like she is a superior mother (even though she has been pregnant 5 or 6 times and only kept 1). Obviously this is only the watered down version and I cannot describe every single thing that has happened so far.

My question stems from last night, my daughter's lamp started smoking (I don't know why yet) and my husband went into her room and unplugged it. My daughter got scared and didn't want to be in her room so she was sitting in the hallway reading or coloring. My "friend" left her room and saw my daughter sitting there and nastily told her "you're bad!" because a few minutes early my husband told her she needs to be in bed. My daughter came downstairs really upset and told me, and my friend came hauling *** downstairs to yell at my child for being a "tattle tale" and started arguing with her. I explained that my child was not acting "bad" that she was scared and my friend still decided to snidely say that she was bad because she was not in bed. My daughter has enough reason to be called bad/bratty, and I don't want her getting talked down to when she is acting normal. I have already talked to my friend about my girl's behavior and she still has to interfere. She is leaving in a month, but I am not sure I can take it! I am pretty sure my friend wants to be helpful, but she is coming off as an annoying *****. It also isn't just her treatment of my daughter, but a lot more (that I am not currently discussing).

Do you think she should be calling my child bad? Or even sticking her nose into my parenting? She complains because I let her get away with stuff, but if I decided to battle every little thing it would frustrate her, create more problems, stress me out, and nothing would change. I have to choose my battles carefully and not nag my little girl every time she makes a mistake. I have actually been instructed to praise things I like and ignore the small stuff. Do I have a reason to be mad or is my friend just trying to be a friend? Any advice?

I had a room mate who lived with me and he had some debt I am guessing since now I am getting phone calls at least once an hour looking for him.

They call my cell phone relentlessly and I keep telling them that the person they are looking for doesn't live with me, I don't have a forwarding number or address for them, and to stop calling my cell.

They just keep calling away and its driving me crazy! Any tips on what I can do?

My husband was laid off from his job last week because "business was slow and they could not afford to keep him". Today he went in to pick up his last paycheck and a coworker told him that they were sneaking people in to interview for his old job.

Also they said these people were older 70+ and that this was probably because of medical insurance because my husband's policy with a family is expensive.

So...is it legal to lay someone off then try to hire someone else...and not offer him his job back...

and is it legal to lay someone off because the company does not want to pay for medical insurance?

Anyone know where to get Prepaid cards for Perfect worlds international cash shop place?