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Saturday, November 3, 2007

Keep insurance policies current

Sometimes when you have children your own mortality seems more of a reality. Parents often think, “What will become of my children if something happens to me?” It’s a very possible reality – although no one wants to think about it.

Another common concern is what will happen to your home if you don’t have adequate home insurance. I hadn’t thought much about my home insurance until we had water damage from plumbing problems. The repairs cost almost $3,000 and I’d hate to think what would have happened if we didn’t have that insurance. And let’s not even talk about the financial problems you can encounter if you don’t have the right car insurance.

No matter what type of insurance (travel insurance, home insurance, car insurance...) you need, it’s important to keep insurance policies up-to-date and compare prices to make sure you’re getting the best deal.
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Do all boys whine?


Sometimes it's so hard to deal with my 4-year-old son because he whines -- and often cries -- about the least little thing. His 2-year-old sister (3 in a couple of months) knows this and will instigate this, which often makes the whole thing much worse.

Take this conversation for instance:

Andre: Mareah, look, there's my truck.
Amareah: No, that's a car.
Andre: (a little louder) It's a truck.
Amareah: No, it's a car.
Andre: (getting frantic) A TRUCK!
Amareah: (still calm) A car.
Andre: (yelling and crying) NO, IT'S A TRUCK. MOMMY MAREAH SAYS IT'S A CAR. IT'S A TRUCK!!!!

No matter how often I tell him to not let his sister get to him or not to let her get him mad; he still gets upset. No matter how many times I tell Amareah to stop making her brother mad, she still does it.

And then the whining starts. At first it sounds like there's a puppy outside of the door. Then it starts to get louder and I look and see the tears welling up in his eyes. He starts to rub his eyes and begins the "whine talk." Needless to say that's soooo grinding on the nerves.

I know children whine, but it seems like my son whines so much more than the girls ever did. (The jury is still out on the 5 month old.)

Do your sons whine a lot?
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AngelBeds = good night's sleep

I seldom get a good -- or full -- night's sleep despite my king-sized, extra large, pillow top mattress (not to mention the variety of children that wake me up on a regular basis). So I'm convinced that a mattress change to a memory sleep system is the key to my good night's sleep.

AngelBeds and Tempurpedic are the only memory sleep system manufacturers that offer identical NASA-developed high density foam technology. But AngelBeds is the only one that offers a substantial savings of up to $3,300. They also guarantee their low prices, offer free shipping, financing and a 90-day risk-free trial.

High-density, memory foam mattresses are comfortable and therapeutic. They contour to the body and provide support where it is needed. Whether you need a twin, full, queen or king, AngelBeds has what you want. You can also get memory toppers or pillows and beddings. And, even better, AngelBeds offers these sleep systems at discount prices.

With the NASA-developed technology I’m sure that whether someone wakes me up or not, I’ll get the best sleep of my life with the memory foam system. I’m sold. What about you? AngelBeds memory sleep system is definitely the solution to a good night’s sleep.
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My daily cup of coffee

I know I'm not supposed to have caffeine everyday, but I've gotten into the bad habit of having at least one cup of coffee each day... sometimes two! It's like a welcomed friend every morning. I like to have coffee with muffins, waffles, bread... whatever. But on the off chance there isn't any bread like/cake like accompaniment; I just eat whatever is available or just enjoy it alone.

Sometimes I use evaporated milk, which has a very unique, grown up taste. Other times I use flavored Coffee-Mate -- right now my favorite is vanilla cinnamon. I'll also use soy milk, which I love, but it doesn't give the right kick with my coffee. And, I always... always use raw sugar.

There you have it - my guilty pleasure. Stage whisper: Don't ask about the chocolate I eat everyday. Did I already mention the I'm-not-supposed-to-have-chocolate thing?
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Friday, November 2, 2007

Where do you get your paintball gear?

I’ve been talking about paintballing for quite some time (not here, but to my real-life friends) and there’s an online paintball store, Ultimate Paintball, which offers some great gear for paintball enthusiasts. You can buy each item you need individually – like the gun or tank – or you can buy entire paintball gun packages.

Their top-selling paintball guns are Tippmann A-5, Tippmann 98 Custom, Smart Parts Ion and Spyder Pilot ACS. The store is easy to navigate so you’ll find their featured products and packages without much effort. Not only do they have competitive equipment prices, but you can also get free UPS ground shipping on orders more than $99 through January 15. And, for all continental United States online orders that are more $200 you can get free UPS shipping. Now that’s what I call a great deal.
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What an honor!

Tammy is so cool and sweet. She gave me another award! She said great things about each person she honored with this Bloggers With Integrity award. Check her out when you get the chance!
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Thursday, November 1, 2007

Two wonderful awards!

My friend Tammy at Mom Knows Everything (Tammy, have I ever told you how much I love the name of your blog?) honored me with two wonderful and beautiful awards. One is the Wonder Woman Award...


And the other is the Community Blogger Award...


I never pass on awards -- terrible I know, but I'm going to this time: I'd like to give the Community Blogger Award to Bradley at The Egel Nest (if he hasn't already gotten it! I didn't see it on his blog.) Like Tammy (and Carrie at Rantings of a Woman), Bradley has really been a good friend and embraced me in the community. (I woulda given you the Wonder Woman Award, but it didn't seem appropriate! LOL)

(BTW: The mortgage thing worked out for this month, but I'm really going to have to try harder to get a full-time gig or steady writing assignments. Life is getting more and more sparse the longer the separation goes on.)

So... Thanks again Tammy and congratulations Bradley!
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Money Magic Mortgages

I’ve had all kinds of crazy ideas on how to cut back to save money particularly when it comes to the mortgage. I have this vision in my head of getting on Extreme Makeover Home Edition, but I don’t think my story ranks up there with the heart-wrenching stories that they’ve featured as of late. Since the chances of us getting on that show (I would at least have to send in an application) are very slim, I thought I would look into more practical things like other mortgage options.

Money Magic Mortgages has some great information about mortgages. If you need to do a little research to see how you can save some money on your mortgage then this is a great place to start.
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Update on the teenager

My sweetie Amber is still home from school. She tried going last week on Wednesday and came home looking like she had been beaten up. On Thursday she tried again and had to call me to pick her up early (it wasn't even 10:30 yet) because she felt so bad. I called her GI, explained the situation and they gave her out-of-school extension until at least November 8 when she has an appointment.

The concern, for both of us, has been the amount of work she's been getting behind on. Just the knowledge for this AP and Honors student has been stressful. So, she's been working with the homebound teacher and they've gotten quite a bit of work done in the two visits she's had. And I signed her up for a tutor! The only somewhat negative thing was she had to drop AP History. If you know anything about that class, you know it's a college level class. She barely made it out of the other one last year with her dignity -- and a good grade. Missing six weeks of that class is like missing eight weeks. So the homebound teacher had her drop that class and get in regular history, which will be easy for her and she'll get a passing grade. She'll be taking that class virtually and to replace the AP class during school hours she'll have office duty or something like that and be able to do her school work while she's doing that.

Even though it'll be a struggle, it looks promising that Amber will pass the first semester of her 11th grade year!! Woo hoo!!
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Uptown Saturday Night, St. Augustine, Florida

An old friend of mine lives in Florida and she’s been trying to get me to visit since we reconnected. I’ve loosely planned trips to conventions and conferences, but nothing really came together. Now, I think I’ve found the perfect event and activity to take me to Florida. Not only will I be able to get together with an old friend, but I can get some antique shopping done, hear some live music, attend a couple of books signings and enjoy the refreshments. On the last Saturday of November, which is the 24th (I’ve already missed the October 27th one); there will be festivities and special deals during Uptown Saturday Night in St. Augustine.

Uptown Saturday Night is a favorite end-of-the-month event that takes place from 5-9 p.m. Besides the perk of free parking provided by the Mission of Nombre de Dios, each participating shop features an open house with refreshments. Can you imagine strolling along San Marco Avenue with music in the background, a treat in your hand and a great find under your arm? (That's great St. Augustine shopping) Ahh, just the imagination is relaxing.

Even though there’s a lot going on, I think I’m gravitating toward the books and arts events. I love finding a great book and meeting authors, and viewing art is such a treat. So, if I disappear around the end of November look for me in St. Augustine, Florida, for Uptown Saturday Night on November 24th … maybe we can meet there!

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Therapy, counseling... life coach?

I feel comfortable bringing this out into the open... baring my soul and heart: I need counseling! Now, don't laugh. In a day and age when getting therapy and having a life coach are the in thing, I believe this is a great way to go. Think about it. I could get a little me time, vent, talk about people and cry without fear of criticism. Well, at least I hope the therapist, counselor, life coach, whoever wouldn't criticize -- that would kind of ruin the moment.

And, in the process of all my selfish reasons for wanting to do this, I may even work on some of my real issues. Uh, I'm definitely not going to tell you my real issues -- that's enough of baring my soul.
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Regain your financial footing

It seems “funny” that I’m letting you know about this latest find given my last post/rant, but it’s appropriate for me and many Americans. The number of bad credit consumers in the United States is growing daily and people are often looking for a resource to help get them back on their feet financially. That’s where BadCreditOffers.com comes in. This site allows visitors to compare dozens of bad credit loans at once from major providers and find the one that is best for them.

Whether you’re looking for information about a personal loan, home loan, credit repair or more, BadCreditOffers.com has tons of information to get you on the right track. Got bad credit? That’s okay… BadCreditOffers can help.
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Wednesday, October 31, 2007

Slowly drowning...


For quite some time when I wake up in the morning I have a feeling of dread. I am so exhausted as soon as I open my eyes. The weight of the world (okay, I'll try not to be too dramatic); the weight of my life is drowning me.

Instead of going into a long list of everything that is going on I'll just briefly review how my morning has went. Well, at least what prompted this post. (Keep in mind it's only 9:11 a.m. and the latest "event" occurred before 9)

I need to pay my mortgage today -- at least one payment. It's behind so you can imagine that it's the first thing on my mind. I get up and immediately turn on the laptop to check my checking account and make sure the money I was expecting was there. When I clicked into the account the balance showed an amount less than what it should have. I opened account information and saw a debit, which was annotated as preauthorized, for more than $300. (Kill me now!)

I immediately call the bank, trying to find out what company this is and get my money back. The only thing they can tell me is to do a recovery or whatever they call it, which could take up to -- if not more than -- two weeks! TWO WEEKS!!

When I finally get in touch with the company I find out they've been sending me letters letting me know that the debits would begin (from an account I had four years ago), but because of my sick child(ren) I haven't been able to keep up with my mail. I thought I had caught everything important, but I obviously missed something very important. I told them today that there's no way I would have remembered a debit that was four years ago and the last thing I signed up for was a hold on the account. I didn't get the letters because of the sick child(ren) [I keep putting children because the older one is still sick and each of the younger ones has been sick over the past two weeks. The 4 year old spent about two/three days throwing up! That was fun! Yes, that was sarcasm.]

So as I sit on hold trying to get a refund, crying and blubbering into the phone. I wonder if life will ever be "normal" again... I guess I mean happy. Will I ever be happy again and realize any dream, hope, desire... see the back of my eyelids for more than a couple of hours at a time...

Oh well, I'll know if I get a refund in seven to 10 business... guess I should call the mortgage company to see if I can stop a foreclosure for not paying the amount I agreed to.

Drowning... drowning... drowning...

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