Wednesday, November 16, 2011
Saturday, September 17, 2011
Friday, August 26, 2011
Wednesday, August 10, 2011
Monday, August 8, 2011
The article written by Alonso Kramer:
What is it about parenthood that makes you all of a sudden become the most paranoid person in the entire world? It’s something that comes the second you have kids, and I’m pretty sure that it never ends. All of a sudden when I had my daughter, Jade, I saw everything as a possible threat to her safety. Stairs- death trap unless gated. Car- major death trap unless child is strapped in to a car seat that would bounce safely if dropped from a five story building. All cupboards had to be locked up with those little plastic thingies that make it impossible to get to a pot or pan. House had to be secured so that the second they step out of the house I know that she’s out of a door (I found that solution at www.SecurityChoice.Com/). All cleaning supplies have the possibility of being ingested. All outlets have the potential of being touched. Yes- I’m fairly certain that this state of paranoia will not end until… well.. never. Great.
Sunday, August 7, 2011
Instead, we removed everything from the shelves, cleaned the shelves and returned the food in an organized manner. You can not imagine how unorganized it gets throughout the year. Since it is time for me to start canning again, I figured I would start with a clean storage room. I don't expect to have as many pears to deal with this year, but you never know and I'll need all the space I can get.
Friday, August 5, 2011
What most people do not know is that police officers receive extensive training to teach them how to handle all types of situations. Adrenaline gets pumping when an officer is in a chase, physical confrontation or a possibly life threatening situation. Training these officers how to handle them selves in these situations is what they learn at the police academy.
The death of this homeless man I mentioned above is a situation that obviously got out of hand. The witnesses reported that at least 6 police officers where beating this man as he begged for his life and called out for his father, a former sheriffs deputy. One of these officers should have seen this situation was out of control and done his civic and moral duty by putting a stop to the allegedly aggressive behavior of the other officers. Yet, not one of them allegedly did.
Police officers put their lives at risk daily and deserve our respect for upholding the law. If they were are at risk of harm coming to themselves, they do what they need to do to subdue a possible perpetrator. The officer is to call for back up to help subdue the perpetrator. I can not possibly imagine that one homeless man put six officers lives at risk without an alleged weapon.
While these officers are on paid administrative leave the father of this homeless man is mourning the loss of his son and paying for the funeral of a loved one. While the father intends to sue, will that ever compensate for the loss of a child? If the investigation shows that these officers indeed used excessive brutal force that lead to the death of a man, will they be charged with murder? If six young men where to beat a homeless man to death because the suspected him of breaking into vehicles, the courts would find them guilty of murder. This situation has many victims; the homeless man and his family, the families of the officers and the community that lost their trust in their police officials. I pray these people can move forward with their lives and gain some wisdom from this situation.
Wednesday, August 3, 2011
Saturday, July 30, 2011
Before anyone jumps to the conclusion that I think we should focus on being wealthy multi millionaires, please let me explain my thought process. Many people believe we are living in the end times. I am not saying we are or are not. I am only trying to point out that in our history in the United States and also world wide. People have lived through harsher financial times, more devastating natural disasters and more diabolical social conditions. Our Heavenly father has stepped in and cleaned house in those times of past and will step in again when civilization needs to be cleaned up. For those of you who are wise, you will look to the future for a time to improve upon yourself. Look at the glass half full, instead of half empty. Below is from another web site....it appears to be a journal from John Jacob Astor.
Day 11, September 11, 1837
All the newspapers are reporting about the recent crisis we are having in our economy. The property values are unheard of, so low that now is the perfect time to invest! They are calling this period the Crisis of 1837. It is such a horrid time that people are being forced to foreclose on their properties. I already own some properties west of 5th Avenue in the 30s, so I’ll start my empire with those properties, including my hotel. Ahh, my hotel, the prized possession of my collection. The Waldorf-Astoria, located on 49th and Park Avenue, is the best place you could stay! Everybody raves about it and how it gives New York a whole new sense of luxury. Now that’s a reputation you want for your hotel! We’ve had some pretty famous people stay there like Charles Dickens and Daniel Webster. Anyway, I have a good amount of money prepared to invest in the properties, and since the prices are extremely low, I will have a great return on my investments; I can’t wait!
Thursday, July 28, 2011
Wednesday, July 13, 2011
As a parent I missed so many of these minutes. I was too busy worrying about getting the laundry and dishes clean. Working 40 - 60 hours a week, coming home to fix an unhealthy dinner and ge the kids to bed so that I could have time to relax before heading to bed myself. Somewhere in all the chaos I raised three kids. When the kids were 5, 6 and 7 I became a stay at home mom and was able to enjoy them more, but I am not sure I truly took the time to enjoy their youth as I am sure I will with my grandchildren.
If I could only impart one parental advice to my kids when they become parents, it would be to enjoy it. It goes by too fast and you miss so much. So with that said, I want to share a little video of my grandchild enjoying her favorite "elmo" video. I hope you remember one thing that can bring you the joy Kadence has when she hears her favorite song.
Monday, July 11, 2011
Cindy is unable to drive to see us because of a degenerating eye disease that prevents her from driving in unfamiliar areas. My self, well as you all know we have been babysitting cattle and dogs for the last 1 1/2 years. It keeps us close to home because someone has to check on the herd daily. This weekend is proof that even with life's hectic schedules, you can make time for the little pleasures. It's a matter of "stopping to smell the roses". I'm guilty of rushing through life and not enjoying a few pleasures for myself, but after seeing the joy in my best friends face at our time together, I think I will be making more of an effort to visit.
The late night talks about our deepest thoughts, the laughter that leaves your cheeks hurting and being able to sit without talking, knowing what the other is thinking is priceless. Having my daughter there with us was an extra bonus. Cindy is like an aunt to her and a special friend to my daughter. The admiration they have for one another brings joy to my heart.
As I reflect on our friendship, I know our Heavenly Father had His hand in it. He created a friend for me that would love me despite my faults, that is able listen to my heart and not be afraid to tell me when I am wrong, who reminds me how much she loves me and shares my love for my family. I would pray that everyone could find their special kindred spirit to walk through life with. It's like the cherry on top of life's sundae.
Wednesday, July 6, 2011
After viewing my daughters new background on her blog, I decided to change mine since it has been the same for a long time. After viewing hundreds of background choices, I've decided I am pretty boring. I searched "farm" and found my new background. With all this exciting new change, I needed to write a blog and update everyone on our lives.
Summer is always a busy time for me. Lots of gardens to weed and veggies to pick. Yesterday while weeding, I came to the conclusion weeding is like laundry.. it never is truly done. Our broccoli is doing well, I have harvested enough to put some in the freezer for the winter. I started getting green, jalapeno and cayenne peppers off the plants in the pots on the deck. I have harvested lettuce several times this summer also. I didn't get as many mulberries as I would have liked, but they are juiced and waiting to be made into jelly when I get a nice cool day (don't want to heat up the kitchen with this really HOT weather).
My side kick, Lauren, has been a tremendous help to me this summer. I'm not so sure I would have been able to keep up with everything. We have been cleaning, weeding, organizing and getting things ready to put our house on the market. I think next week will be our big garage sale (if weather permits).
On top of everything else, we have been babysitting cattle. This time of year the cattle are prone to getting pink eye from the tall grass irritating their eyes. So far we haven't had to call the vet, but we are having to check them more than normal. Spending time with the cows isn't such a bad thing. We are starting to get to know them and see more of each of their personalities. I'm seriously thinking we need to become vegans.
I've enjoyed this little break too much and need to get back to work. I'll try to remember to post more often. Thanks for reading.
Tuesday, June 28, 2011
That is exactly what happened to me last night, when I ended up on Charleston Homes magazine's web site. Not that I wasn't enjoying it, in fact, I really liked looking at the articles. There is something about southern living that has always intrigued me. The beautiful old homes with the well manicured gardens and the romantic views. It was a nice little mind escape that I needed. I went to bed dreaming of all the fun things I could do with my own gardens.
When I awoke this morning I remembered that the lawn needed to be mowed, the strawberry bed had more weeds to be pulled, the flower beds need thinning and the lettuce bed has to be hoed. All I can say is, the dream was fun while it lasted.
Thursday, June 23, 2011
Monday, May 9, 2011
Tuesday, March 22, 2011
One of the nurses had custom made scrubs, with pockets for all sorts of things. She had Kleenexes, medical equipment, medicine and other various objects in her pockets. It was very impressive. She informed me that the nursing scrub uniforms were important, as they do not have time to run around and find things when working with an adult that needs constant care. It made sense to me and as I mentioned before I have a new respect for the work they do. My grandma is in good hands with these ladies.
When your basement floods the first thing you have to remove the water damage floor austin. The shop wet/dry vacuum is our first line of defense. Removing all the excess water and sweeping the remains down the drain will take time. If you have carpet in the basement, you will then need to deep carpet cleaning austin the carpets. Removing any debris and dirt left over from the flooding. Preventing mold from developing is the final step. We treat the walls and floor with a combination of vinegar, tea tree oil and water. Equal parts of these three items in a spray bottle will help fight any mold from developing. Both vinegar and tea tree are an anti fungal and will destroy mold. Treat the area daily for several weeks and then watch to make sure no mold develops. I hope that your basement does not flood, but if it does take these important steps to help clean up and prevent permanent damage.
Saturday, March 12, 2011
The trash company will leave you the junk bins and you pay a monthly fee. Once you have filled the junk bin they return to pick it up. It’s very convenient for the busy homeowner that is trying to complete a clean up task. Hopefully, the junk bin will arrive soon and he can get to the clean up while he still has time on his hands.
Thursday, March 3, 2011
Wednesday, March 2, 2011
We are expecting several families to visit in the month of April. One of the difficulties with so many people visiting at the same time is finding a place for them to sleep. I’ve decided to purchase a twin over full bunk bed for our fourth bedroom. One of the nice things about the twin over full bunk bed, you can fit a married couple on the bottom with a child on the top. With our other twin bed in the room we can accommodate an entire family on one bedroom. This will leave our other guest room available for the other couple that will be coming. Now all we need is another bathroom to accommodate all the guests.
I have many pet peeves and one of them is when someone else uses my desk and changes the position of my office chair. By having another chair available for other users I can alleviate the frustrations of my own pet peeves.
Susan Dillinger, a traveling seminar presenter for a Colorado management training company, says if you like square furniture you are, “Organized and a hard worker, you like structure and rules and dislike situations in which you don’t know what’s expected of you. You prefer working alone to teamwork. Logical, you think sequentially – A, B, C and D. You collect loads of data and file it so information is easy to locate.” This does explain who I am. I’ll share with you in another post, what my husbands round furniture means.
We just found out my son and his wife is expecting a second child. The two children will be 17 months apart. The thought of buying them their first bunk beds for them to share a room and build memories brings joy to my heart.
While the thoughts of redecorating my master bathroom, I found that I want to do the same with my master bedroom. While looking for bathroom vanities I found some very beautiful bedroom vanities. When I was growing up in my early teen years I had a friend who had this antique bedroom vanity. It had a big oval mirror and the two sides of drawers for all her personal things. I can remember thinking; it was like stepping back in time. As I have grown older, I realize I still want that same type of vanity. I don’t think we ever grow tired of finding beautiful furniture.
I enjoy a relaxing shower or bubble bath and having the perfect bathroom will give me great joy. While my husband plays in his garage with all his man toys, I’ll be reading a good book in a nice hot bubble bath in my newly decorated bathroom.
Since I began blogging more and writing for the examiner.com I have spent a lot of time sitting in my office chair. Locating office chairs that are comfortable and affordable is very important. Not only is it essential for comfort but also for your health. Lower back pain can occur when sitting for long periods of time. So a chair with good lumbar support is a necessity.
I myself prefer an executive chair with plenty of cushion on the seat and lumbar support in the back. The tilting back, height lever and slightly sloping edge to the seat gives me the most comfort. What kind of office chair is most comfortable to you?
Monday, February 28, 2011
With owning our own company, insurance is something we have gone without. The cost is too great to even consider. Thankfully, we have not had a situation where it has been absolutely necessary to have it. I did come across Ameriplan which offers medical, dental, vision, chiropractic and pharmaceutical services on a discount plan. When you become a member, they provide you with the names of the offices that will provide these services at a discount rate.
There is no age limit or requirements, anyone is eligible for this service. There is over 30,000 dentist, 12,000 vision providers, 50,000 pharmacies, 7,500 chiropractors in the United States working with Ameriplan. There are several different health plans to fit any individual or family needs. This is definitely an option for those of us who do not have insurance.
Saturday, February 26, 2011
While staying at a downtown Vancouver hotel, the Loden., you will be close to the celebrations. Kick off the celebrations on April 6th, celebrating the day Vancouver was incorporated in 1886. Enjoy dinner at the hotel's distinctive restaurant and lounge, Voya after a long day of celebrations. If you are the athletic type, you'll enjoy the 24-hour fitness studio and spa.
The Loden is legendary for its classic yet modern environment and urban amenities. It is a perfect setting for an urban boutique hotel. You'll be just steps away from numerous attractions in an exciting city that is celebrating it's birthday.
Vancouver is celebrating its 125th birthday. There is no better place to stay then at a beautiful Vancouver hotel. The Loden Hotel is located in Coal Habour, downtown Vancouver's most sought after community. With breath taking views of the mountains and waterways.
After an exciting fun filled day of celebrating head back to your luxurious room. Take a bubble bath in the deep soaking bathtub before heading to bed in a custom designed bed with the finest linens. If you're not ready for bed, each room offers a large flat screened television and a fully stocked private bar. The Loden is designed to meet your leisure or business needs.
Monday, February 21, 2011
A 38 year old employee of Outdoor Adventure asked the SPCA on two separate occasions to help find homes for the company's dogs. Both times he was rebuffed. Now the SPCA is investigating the killing of 100 dogs over two days.
Officials at the animal protection service claim they did not realize the dogs would be brutally slaughtered. Senior animal protection officer Eileen Drever said, "[the employee] didn't advise me he was going to kill any dogs. I spoke to an animal behaviorist who is also a vet and she spoke with an expert in the [United] States who said [the sled dogs] weren't adoptable". When asked if she had told the man that the SPCA would not help locate homes for the dogs, she said "I believe so".
BC SPCA head of animal cruelty Marcie Moriarty said, the SPCA would have acted had it known the dogs were going to be slaughtered. While everyone is pointing their finger to blame each other in the deaths of these dogs, everyone agrees the loss of these 100 dogs was senseless.
Sunday, February 20, 2011
Recently it came to light that a dog sledding company, Outdoor Adventures Whistler, slaughtered 100 dogs after a post Olympic financial decline. Bookings for dog sled tours decreased after the Olympics and when the company could not find homes for the animals, it culled the dogs. The dogs were killed over a two day period of time last April.
The man's name has not been released, but his attorney has been quoted as saying, "the worst experience (the man) has ever had". This is the same man who filed the claim with the Worksafe BC and killed the animals. After being told to make the business more cost effective, he attempted to find homes for all the dogs. When he could no longer find homes, he chose to shoot the remaining dogs. Outdoor Adventures spokesman Graham Aldcroft said, "They had a financial stake in the company, but operational control was with the worker that filed the claim with Worksafe BC".
Can Outdoor Adventures be held accountable for this man's decisions? Both the British Columbia
SPCA and the Royal Canadian Mounted Police are investigating this tragedy. Outdoor Adventures has now taken control of the dog sledding company and now it is company policy if a dog needs to be euthanize, it will be treated at a veterinary clinic.
Tuesday, February 15, 2011
When Christopher Elbow of Christopher Elbow Artisanal Chocolates and Stephen Pauwals pf Boulevard Brewing Company of Kansas City put their heads together, they came up with a taste sensation for the beer lover. This amazing ale did not stay on the shelves. Boulevard Brewing Company released the Chocolate Ale for Valentines selling roughly over 19,200 bottles and 350 1/6 barrel kegs.
In a statement released on the Brewery's web site, "Chocolate Ale was going to be just a one-time, on-off release. But due to the overwhelming feedback we've received, and after much internal discussion and debate, we're pleased to announce that it will be back for next Valentine's Day". So for all of those people that did not get an opportunity to try the Chocolate Ale, be prepared to get on a waiting list for next Valentines shipment.
Sunday, February 13, 2011
WOW...what a week! I have completed the first week of writing for the examiner.com . All my articles, except one, was on the front page of the Kansas City examiner. I received over 300 view on my articles. I still need more views, feel free to hop on over and check them out. ALSO, the weather is warming up this week and we may even see the 60's! Can you tell I am looking forward to spring? Last but not least, I won a dozen roses. Our local grocery store had a drawing for a dozen roses. I signed up with the intention of giving the roses to our accountant who works tirelessly for us and others. SO, tomorrow I will pick up the roses and give them to Lynette. I hope they make her day. I hope all of you have a blessed week as I look forward to mine.
Wednesday, February 9, 2011
I know that come July and August I will be whining about how hot and humid it is outside. Dreading going out to pull weeds and mow the lawn. I keep trying to remind myself of this as I am freezing with this bitterly cold winter weather we are having in the mid west. Last snow fall we received 14-16 inches of snow in a 24 hour period. Last night we received 3-4 inches of snow. We have plowed, shoveled and scooped more snow then I can remember in such a short period of time.
I know there are those young at heart who are probably enjoying the snow days when the school is closed. There are those who enjoy a day playing in the snow and building snow forts and snowmen. Although, I would hate to take away from their fun, there are those of us who find it inconvenient. Putting layers of clothes on just to walk to the car or feed the chickens. Speaking of chickens, they are not enjoying this cold snowy weather either. Even the cats and dogs at my house are protesting this winter.
A cheer of jubilation will arise from our home when this winter is over and spring is upon us. We will all joyfully head outdoors to revel in the sunshine. Until then, I'll be bundled up writing my articles on the computer.
Saturday, February 5, 2011
After my heartfelt post about our family finally being off Facebook, I have to share that now I am back on Facebook. Against my better judgment, I opened my Facebook account for my new job. I am writing local articles for examiner.com. I am their Kansas City Home and Garden writer. In order to get my readership up, I had to open a facebook and twitter account. As my readership grows so does my income. I have struggled within myself over this decision. More then anything, I felt I need to be honest and let you all know. I do not want to appear hypocritical and hide the information. I do know one thing, I will not get sucked into posting pictures and sharing personal information. Feel free to share my examiner site with others to view and comment on my articles. Hopefully, I will be able to shut down FB in the future as I will not need it to help my readership.
Thursday, February 3, 2011
On Tuesday, February 1, 2011 a winter storm crossed the Midwest and left damages to property, personal vehicles and power outages. While people in the northern states were probably more prepared for this kind of storm, the folks of the lower Midwest were a little more leery of it. By mid day on Tuesday at the height of the storm, Kansas City, Missouri mayor Mark Funkhouse declared a state of emergency. Down here south of Kansas City about an hour away, we received 16 inches of snow. It was quiet a storm, one with record breaking snow fall and wind chill. There are many things I am sure I will remember about this storm in the years to come.
People in the Midwest are great at coming together and helping one another out in a difficult time. Our small little town is one example. We have a gentleman that plows our streets in town, after this storm, many people who owned plows came to help him plow the streets and peoples driveways. Others grabbed their shovels and began shoveling sidewalks and helping people clear their drives. I know of a few people that attempted to drive before the roads were clear, putting themselves in a ditch or stranded. The other drivers with 4 wheel vehicles were towing and lending a hand to the common sense challenged 2 wheel drivers.
With all this snow you would think people would be ready for spring, not around here. They are talking about sledding and enjoying this large snow fall. It's not every year we receive this amount of snow, so they are taking advantage of the it. I myself do not like this cold wintry weather. I could do without wearing layers upon layers of clothes just to go to the grocery store. I particularly don't like trying to walk in snow that is up to my hips, ok so maybe I am only 5'1 and most averaged height people don't have this problem. Either way, I am not fond of winter and it's snow. It looks like it's not going to get better any time soon. Another round of snow is coming in on Sunday. While shoveling my decks and porches I will be dreaming of tropical weather.
Sunday, January 30, 2011
I spent the day with my daughter in law, daughter and her friend cleaning my father in laws house. My father in law lives in the same home my husband grew up in. It's a large home with 6 bedrooms, 3 full baths, 2 half baths with three levels to clean. This is one big house for a single man to clean on top of having his own business in his home. So us girls set out to deep clean while the men went hunting. Lets say after 5 hours of deep cleaning, we never got to the basement level. Only two levels clean! I thought with the four of us we would knock this house out in two hours, NOT.
While there, my mom and sister and her kids showed up to visit. My mom kept saying, wouldn't it be nice to have this much room to live in. I thought she had lost her mind. Sure it's nice to have the extra room when you have company come to stay, but who wants to clean it? As I grow older, I realize big houses are over rated. I am happy with our smaller ranch style home on a basement. On a bad day it would never take me 5 hours to deep clean the whole house and the basement. Why heck, I would have time to spare to weed a few gardens and mow the lawn. With less to clean there is more time for fun in the sun.
Friday, January 28, 2011
WOW, today it was in the high 50's! I was so excited I had the sliding glass door open and aired out the house. My dog ran around the yard doing laps. I put chicken on the grill and lapped up the sunshine. We will have one more day of this warmer weather and on Sunday it will be cold again, reminding us it is still winter. Counting down the days until spring is officially here.
Wednesday, January 26, 2011
I'm not sure if any of you have heard of deal of the day sites? I absolutely love them and check them daily. My favorite is woot.com. You never know what they are going to have listed, sometimes they are new products and sometimes they are refurbished. I have bought both and have been very happy with the purchase. I usually check these sites as well, 1saleaday.com, dodtracker.com . DODtracker (deal of the day tracker), is another favorite because it has all the deals on one location.
I buy items on these sites and put them away for gifts. Living in the country, it's not always easy to get to the city to buy gifts. So, if an occasion comes up and I need a gift, I go to my handy storage area and pick a gift that I would have purchased earlier. These sites can come in handy for us country girls. Although, they are a great place to find good deals for anyone.
Sunday, January 23, 2011
In the process of looking at creating a web site for my husbands business I have ran across some interesting information. As a blogger, one of the things I have learned is promoting your web site to attract more traffic is the most important tool. Having a great web site isn't enough if no one knows it's there. Using a site that has free link exchange creates more traffic for your web site.
When you build links to your site the opportunity for exposure greatly increases. It reminds me of exchanging business cards with someone. How many times have you placed your business card at another business location? When someone places your free link on their site, it's the same thing. With the the world wide web you have a larger exposure that will help you build your business.
Friday, January 21, 2011
I ran across a new website design Ottawa recently. I was looking for something for my husbands' company web site. I am always checking different designs. They have templates or custom design to suit each persons needs. On this web site the customer friendly templates give you more options then basic template packages. With several different template packages you can have more personalized features that are easy to work with. I have tried several different sites for web design and have yet to find one that I am comfortable using. I will hopefully be able to use one of these templates that can make both my husband and I happy with creating a web design.
Living in the country something most people don't think about mailboxes. You would be amazed at how people express themselves with their mailbox. I have also noticed that others encase their mailbox in stone. Not a bad idea out here in the country. Most peoples mailboxes are not close to their home, but up a long drive and some are out of the sight of the home. We even have vandalism out here in the "sticks". So it's a matter of taste and practicality on what type of mailbox you might choose.
I personally don't like the expensive decorative mailboxes. They are just not practical out here. I would probably invest in locking mailboxes, as the mailbox is so far from the house. I'm not sure if our mail lady would appreciate it, with the extra work of unlocking it. I have to admit though, last year I saw on craigslist a gentleman that made a concrete tree where your mailbox slips inside of it. It was painted and looked so real, like a real tree beside your drive. It was so unique, but too expensive. The day after I noticed it, the county tractor that mows the grass on the side of the highway hit our mailbox and munched it. I figured, it's a good thing I didn't invest too much money in the mailbox. Such is life in the country.
Tuesday, January 18, 2011
Tonight I stumbled onto a wonderful fun web site and I could not resist sharing this with my readers. The site is www.yearbookyourself.com, my daughter and I played around on it for over an hour. We laughed so hard, I am sure my husband figured with were up to no good on the internet. I am going to embarrass myself here by posting some of the pictures I saved from this site. I won't post any of my daughter, because she knows where I sleep. I do need to state at no time have I ever worn my hair in any of these styles.
As I write this post, I am listening to my husband help his father decide which laptop computer would be best for him to purchase. I can hear the frustration in my father in laws voice and the more frustrated he becomes the more patient my husband becomes. I know he is feeling frustrated himself, because I can not count on my hand how many times I have had to help my mom with her computer. My mother has no idea what the computer terms are, like icon. So when I am trying to help her fix her computer, I come up with some really unique words to describe what I am trying to get her to click on.
The difference with my mom and me is we usually end up laughing about her lack of computer knowledge and my creative ways to help her fix her computer. She laughs at me when I say to her, "I'm blind here mom, tell me what you are seeing on the screen". Then she will go into great detail telling what is on the screen. Making memories and laughing about it. I wonder why it is that some people can't laugh at the little things in life. I figure life is too short and I have way too many BIG things in life to be serious about. I will state that my daughter may view this differently when I am irritated over something that seems so little to her.
Looking at my mom and my father in law with their lack of computer knowledge, I can foresee my future with my own kids. Actually it's not so future on some things. My family has our television, dvd player and stereo so rigged that it is some times difficult to figure out if I am turning on switches to the space shuttle or trying to watch a movie. When all the little lights don't turn on right I yell for my daughter to come fix it. When my son hands me his cell phone to make a call I look at it and for the life of me can't figure out how to make it turn on. Apparently, you just have to touch the screen and with a flick of your finger you can be on the internet. Although, if you flick to much you can completely screw the phone up. I know this from experience. I suppose when my kids are on their own and I call them with a silly little question. They will either find humor in my lack of knowledge and make memories or they will patiently tolerate my phone call until we fix the problem. Either way, I am sure I will be grateful.
Monday, January 17, 2011
As our economical times are not improving, many people are looking at the possibility of losing their home to foreclosure. There are several things the borrower can do to possibly prevent foreclosure of their home. One of the things they can do is to check out Loan Modifications. A loan modification is any change made to the original mortgage. It could be as simple as a change of interest rates or go from a floating to an adjustable or fixed mortgage. Loan modifications purpose is to lower the mortgage monthly cost for the borrower. The lenders are willing to help the borrower out in these situations because they will lose more money if they foreclose on the home. While they have to endure the cost of trying to resale the home and not recouping the cost of the original loan.
If you choose to go with a loan modification through a lawyer, a loan modification firm or the lender directly, it is imperative that you keep good records. Take notes of the names and phone numbers with extensions of everyone you speak with during this process. Outline your current financial situation and outline the outcome you would expect with the loan modification. This will show the lender your intent to meet your financial obligation. In your outline you will need to list all of your monthly expenses. Including fuel cost, groceries, monthly bills, debt payments and health and car insurance. Balance this against your monthly income. You will be proposing that with the lenders help, you will be able to meet the loan modifications expenses and your monthly financial obligations.
By getting a loan modification you are going to keep a good credit rating and continue to have a mortgage which is a tax benefit vs. renting. As our home is an important safe place for us all, losing our home is devastating and leaves us feeling unstable. Loan modifications give us a chance to remain in our home at a reasonable cost.