Sep 3, 2009

Improve Your Credit Score in Thirty days

You probably must think that it is so difficult to recovery from a bad credit score. You have had years of not making it priority and letting little things cost your big things like a car, house or even a business. Regardless of how low your score is it can always be improved all it takes is following a few key guidelines.

You may want to first figure out how your credit report looking. This report can be obtained for free through credit report. You can request to get reports from all three agencies by simply answering a few questions.

Though this doesn’t provide you with a credit score. It gives you the opportunity to scan your report for an errors that may be there. If you do identify anything that looks incorrect you can file a dispute. Make sure to check any thing that is over seven years old. These items should have fallen off your report. If not add this to your dispute and if the number to the company is provide contact them directly. Once the dispute is submitted give it at least thirty days to receive the results.

If you have any late payments from current accounts, call the company and see if you can pay the balance in full and remove some of the late charge. Starting to pay down majority of the balances can help to improve your credit score. A good rule of thumb is to always use less than 40% of your limit and try to pay at least half the balance each month.

Also apply for an account with a company like MyFico , has a great tool. Anytime there is a change in your credit score, an email is sent out to alert you of the difference in your score and what may have caused it. I have found this to be very helpful in maintaining a great score.

If you follow the few guidelines above you should start seeing a change. There are many other alternatives if you don’t have the time to do this your self. Here is a website that helped me rather quickly boost my credit score in a significant amount of time, Remember improving your score is the key, don't be afraid to take the leap.Click Here!

Aug 20, 2009

Government Spending. Have you ever wondered how their budget looks..

Check out how the Government spends its money.. Click Here

My Baby Fell Out of His Crib !

This post is another FYI for new mothers out their. My 8 month old son, what an adventurer he is... It was a normal morning I was getting him ready for the sitters and placed him in his crib as I went to run the water for his bath. I turned my back for a split second. I immediately heard a Giggle, Thump, and a high pitched scream. My little guy had fallen from his crib and landed on the back of his head. I immediately grabbed him and he had a ginormous bump on the back of his head. To make a long story short I rushed him to the emergency room, and there he got his first cat scan. The cat scan was negative and they send us home with instructions of a cold compress and Tylenol. Thank goodness he was OK, but it just didn't' sit well with me I didn't know how he was able to reach and fall over the crib. It was lowered and we had one more level, but it still didn't' add up he should have been successful in his adventures. That night I placed him in the crib and watched like a hawk. To my surprise he used the crib bumper to as a stepping stole to make his escape. Just to those mother that don't know like me. I know its cute, but remember as soon as your baby can pull himself up, remove the bumper, it will save you a trip to the ER.  Try this method to get your baby sound

Aug 12, 2009

Starbucks Or Teavana. Is loose tea leaves the new lata ?

For as long as I can remember I have always been a Starbucks fanatic, even before they joined McDonald's to conquer the world of franchise. It was unknowingly though that I stumbled across the next best thing.

Its called "Teavana" A high end gourmet tea cafe. The smell of the fresh tea leaves hypnotizes you right into the shop. And I must say the free samples didn't help me stray away from purchasing a cup. What I love about the shop is that each featured tea of the day, displayed its beneficial value. The tea samples are lightly sweetened. They can be ordered hot or iced, in a 16 ounce cup. For get trying to memorize different sizes in another language just ask for a 16ouncer and your set. And if you want to create your own mix, or purchase it to make in the comfort of your home you are welcomed to purchase their loose tea leave in a convenient decorative large size can. Great gift idea for a special occasion, birthday, or holiday. I've always loved tea, and now that I discovered this place, I am instantly hooked. So try it and give me your feed back on what you think....

Aug 7, 2009

Fevers may be caused by not just "infant teething", but "infant mouth sores" ?

It started Tuesday night. My 8 month old son was turning 9 months the next day and I was so proud at how quickly he was developing into a healthy bouncing baby boy. I just thanked GOD for his great health. During that night I would have never expected he would develop a low grade fever. It was the summer months so I initially thought it was due to the weather and lowered the air conditioner five more degrees. But he seemed to get hotter. When I checked his temperature it was at exactly 101. 8 Degrees. A low grade for his age, but remember I was just stating how he never got sick. I gave him some Tylenol and his temp lowered to 100. 4 and it remained there for the next day with no luck of it going down. The same night I called the Dr. to make an appointment for the next day. He was miserable, lifeless, irritated and wouldn't eat. He kept pulling at is mouth so, I assumed since he had no other symptoms like diarrhea or vomiting that it must be his teeth, to put a mothers heart to ease till the doctor can confirm.

Te next day at the doctors, as usual it took forever before the nurse called us to the patient room. The Nurse did their usual checked his weight and vital signs. I was growing quite impatient. My energetic, full of life, bouncing baby boy, looked like a form of "happy baby kryptonite" got hold of him. Finally the Dr. entered the room. After checking and canceling out stomach virus, ear infection, and teething, she shined the light to the back of his throat and there lay the culprit. Over a dozen spots all over the roof of his mouth leading to his throat. What is it I asked ? How did he get it ? A thousand questions .... came spilling out of my mouth. Dr W gave me a look and said "Lets find out" she pulled out a large q-tip... (SWAB) and ran it across the top part of his mouth,. It was taken to the lab. I was now tremendously impatient. What seemed like years finally came to an end. Dr. W stated that my son had caught " viral mouth ulcers" a baby version of the cold sore, but they get it inside their mouth. She said it most likely was from a person with a cold. It would last about 7 to 10 days and to just give him some ibuprofen so the swelling will go down. How could such little spots bring my baby to such a crawl.. but it happens. A lot of moms aren't aware of this type of virus.. Just and FYI, next time your baby is feeling a little under the weather check the back of his throat he may need another kind of pain medication opposed to the one your giving them. Motrin worked great to bring the swelling down from the ulcers.

Jul 16, 2009

They say "follow me on twitter", but unfollow you. Ways to find out who unfollowed:

Just about everyone is using the new social network micro blog called "Twitter", and I must say I myself have become hooked. Its simple send out information that will attract others that have the same interest as you. In turn they start following you to keep up with the information that you provide through this mini blog. So in essence your number of people following you should continue to grow.. Correct ? Well not technically, the twist is if for whatever reason you don't keep their attention they will suddenly stop following you and your number of followers then decreases. Trust me its happen to me and at first I had so many questions as to when they stopped ? , to what was the Tweet that turned them off ? . Unfortunately Twitter doesn't answer those questions, but I was able to discover a tool that does just that it is called "Qwitter", Qwitter allows you to see when someone "unfollowed" you and the last Tweet prior to them removing you from their friend list. Every time someone unfollows you, and email is generated to notify you how sweet is that. Don't get sad, remember that people are joining Twitter every day so ever unfollower is replaceable.

Jul 14, 2009

Parenting Help: How to deal with the toddler behavior, "Terrible Twos"

As a new mother everything always seems like an exciting adventure for you and your little one. The little person that you bought into the world, you figure can never do wrong, so innocent and helpless. It is a natural instinct that you want to protect them and make sure they have. As they grow you become more enthused as they learn and discover new things. like drinking out of a straw, or reading their first words.

So imagine the shock when they hit the age of two years old and get totally out of control. A lot of parents are shocked to discover that terrible two's are actually a real thing. I myself was amazed when my precious little princess, completely learned how to ignore my instructions of not to jump on the sofa. We try to do our best to avoid, what everyone was telling us was soon approaching as our youngster edged closer to the mark of destruction. Wouldn't it be great if you can get some help to train you toddler to behave. Many parents are running around (literally) stressed out from constantly repeating them selves or pulling out their hair even, but FINALLY their is a product on the market that can help  

Jul 10, 2009

Life is unpredictable, but it doesnt own your destiny !

Life is what you make it and your destiny is within your hands. The best way to think about it is imagine a novel that lets you choose what happens in the next chapter, though you don’t know what the outcome can be, you still have the free will to decide what road is best. Common sense is what we consider everyone to have when it comes to making a life changing decision. Unfortunately this is not the case in most situations. The majority of us who naturally knows what is the right thing to do, can sometimes let influences come between our blessings and lead us down the wrong path. We have obstacles that get in our way and entice us in the wrong direction. Ex. “You have an important mandatory meeting at 6:30am the next morning, your friends call you up they have an extra ticket to your favorite show in the city and want you to go, the show ends at 1am. “ You know that you probably won’t make it home till about 3am at the latest, but you go anyway. So the next morning you make it to the meeting late, and miss and important part that directly involves you.

This is where reasoning and the free will to decide comes into play. When instead of leading Life we let Life lead us. The best rewards in life are when you can make a past decision that will benefit your future. Deciding that what happens today can give me a better tomorrow. There are people suffering right now because of the fact that they made what seemed like a minor wrong decision at some point that affected their life right now. Before jumping the gun to make a decision, think about how it may affect your future and sometimes the future the ones you love most. Remember your destiny is right at your finger tips… Take control of it.

Jul 9, 2009

Direct Selling the New "9 to 5"

The economy seems to have created an environment where having a 9 to 5 doesn't secure your future and longer. Times like these have pushed people into supplementing their income with home based businesses or part time jobs. Majority of these home based business are what is called "direct selling" or most commonly know as "Network Marketing". I could almost feel the cringe from whoever is reading this blog, once those words were uttered, but you would be surprised how many people make a decent income that can sometimes provide for that necessity that seemed unreachable with their full time jobs income. I just the other day was watching "Good Morning America", and it was mentioned, that due to the high number of lost jobs a lot of people have flocked to direct sales methods, because of its quick cash availability.

For those of us who are afraid to check out alternatives to the 9 to 5. I am here to say don't be afraid to try some of the corporations that have been around for years. You have corporations like Avon, Mary Kay, and Quick Star just to name a few. If you do decide to go with a newer company just make sure you do your research and verify the company at BBB ( Better Business Bureau) on-line. Multiple streams of income should be a focus for everyone.. A guaranteed check from your full time job, can sometimes not be so guaranteed when they cut back on the budget and you're the first to be handed the pink slip. But becoming your own boss predicts your job may be around a little longer.

Jul 6, 2009

How Not to Plan....

How we wish for those long weekends to come in so that we can fill them with fun filled activities with the family, and clean up that closet that we just can’t get to during our regular schedules because we are so damn busy. I was so elated to find out that I would have a three day weekend with Friday being off. I couldn’t wait to start my weekend. I had planned like I was off for a month and didn’t realize that the regular happenings of life had its way of crawling into my fun bubble and bursting it was the true reality. So though I was grateful for the extra day home with the family, I have to say that I had a rude awakening when the walk in the park with the kids didn’t happen, or getting some “Spa Time” for my daughter and I fell through the cracks. They say don’t fail to plan, or you plan to fail. But in a nutshell my advice is don’t get so wrapped up in planning that you forget to live life. Remember regardless if you PLAN for it or not “Life Happens”.. :o) Lesson for the weekend.

Jul 2, 2009

Change Your Destiny

Sometimes you come to a point where you have to stop and ask your self is where I am where I really want to be right now. It seems like for the past four weeks I have been pondering on this question over and over again. But regardless how I switch up reasons of what bought me to where I am today; the reality is I haven’t yet began to live my life to the fullest. I haven’t yet began to see life for what it is or what it could be. I am living by the clock. Tick, Tock, Tick, Tock, no interruption, no surprises. We all have to sit back sometime and ask ourselves, “What is my true purpose here? “. I am trapped behind a desk for eight to nine hours in a day. Monday thru Friday putting out what is asked of me in an effort to maintain my sanity (or what is left of it), sad… My physical and spirit are not in sync. My spirit wants to motivate help and captivate ...My mother always said if you don’t like it fix it. One question holds me back thought where do I begin?

Jun 19, 2009

I am officially a "Twitter"

Alright I know its been quite a while since I posted anything, I think the shock of the pregnancy is finally wearing off and I can say I am feeling almost like my old self again. Reentering the world of living life can sometime be a slow process. After hearing over and over again, about "twitting", "twitter", "a twit". I decided to give it a try and see if I can actually join the rest of the world it seams in the new found domain of "Social Networking". Don't get me wrong I have a "Myspace", and "Facebook" but the "Twitter" ( I am not completely from the stone ages) seemed a little more scarey all it is is updates of status, news, events, anything and everything going on in your world. After playing around with it for two days now I must say, I find it a bit appealing and almost like a necessity to have. Great way to meet new friends, discuss current events, promote your business, also keep a to do list. I recommend everyone give it a try. It doesn't hurt to create and account, if it doesn't quite make your list of great tools for todays society delete your account. Check it out let me know how it does for you.

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