I talked to a credit bureau

They talked about this on The View for 2 days and [2008-11-14]
even to the point as to how they have sex and thatmake me sick, especially now that she/he is pregnant again and due in June! BW thinks she's doing the world a favor by doing this special report. The reasonit keptits female parts was to have kids. What gets me is they never heard of adoption? Why not adopt? Because they wanted to make money, that's why. I don't know how many times they pointed out that she is now a legal male on all records, SS#, birth (how'd they accomplish that?), marriage license, medical history, etc. If she/he is a legal male, she/he shouldn't have the reproductive organs. Period. I feel sorryfor the kids. They will be so confused because they are going to tell them as soon as they to speak and/or understand. This world is going to h---- in a handbasket.

free credit checks. [2008-10-26]
Is there a way to obtain your credit report for free? I have never checked it. I have always been afraid to, but now I would like to check it now matter how bad and figure on a way to make it better. I have looked on line and found several sites offering free credit checks, but then pay a monthly fee for something. I don I have too many straws in my bank account. I was wondering if my bank would do it or maybe an 800. If I ask, wouldI get laughed out of the building imaging something for free?TIA.

DH paid off credit card. Now I'm paying him back. No [2008-10-22]
nm

Cancel the ID theft protection on your credit cards. [2008-10-21]
If you didn’t pay for it, you’re not liable for it.

Negotiate lower interest rates on your credit cards [2008-10-21]
It’s worth a shot, and some credit card companies might do it if you’ve been a faithful customer or you threaten to balance transfer to another card.Buy a texting plan for your cell phone. Texting has become unbelievably popular. I have no idea why, because it seems like a pain in the butt, but it’s typically 15 cents for every message you send and receive. This adds up, so better off paying $5 to $10 a month for the add-on plan if you’re addicted to texting.

Actually, she never talked about it... [2008-10-20]
she always changed the subject when somebody asked her..guess she didn't feel it was anyone's business...good for her though...I heard she wanted to get pregnant so makes since that she would want to get married first.

Thanks guys. I talked to him last night and..... [2008-10-18]
he told me that the pictures weren He says he is too afraid of his dad. We live in a small town where everybody knows everybody and their business so he's afraid it would get back to his dad somehow. In some ways I believe him because, like I said, he doesn But in other ways I It What if I tell him I don't believe him and he really is telling the truth? Shoot! I have to go,,, I'll finish later. Thanks again for your advice.

First, avoid credit cards, charging.... [2008-10-15]
Try not to use plastic if you possibly can because you better yet, don't go there at all, stay home! Just my humble opinion, less is more, family is all that counts, don't scare the kids! Leave your 401 alone, it WILL come back, don't despair, it will repair.

Consumer Credit Counseling Service [2008-10-15]
//

Pay off our credit card [2008-09-28]
And with the little we'd have left just put it in the bank

if it does show up on your credit report sm [2008-09-11]
You could try to get it removed. Tell the credit agency to remove it because you don't owe the money, that you sent a certified letter within 7 days to cancel this and that legally you don't owe it. Check out the state attorney general's office. If it were me, I would not pay it. If it does end up on your credit report, i don't know if paying it will get it removed.

I LOVE THE FREE CREDIT GUY!! [2008-08-31]
and the songs are so catchy. bite your tongue, woman!!

The very 1st time he talked about killing you, was the time [2008-08-25]
The guy sounds like a psycho.

Before the post gets buried below regarding credit - very long message sm [2008-08-24]
I just wanted to share with the posters who were considering bankruptcy. Unless you are on the verge of losing your home, I would strongly encourage you to consider another option. Bankruptcy does not just go away after a few years. It Even if you rebuild your credit afterwards, it A friend and my in-laws also filed bankruptcy in the past. My in-laws filed over 20 years ago and have recovered financially but it My husband is a credit card spender. I would only spend when I had the cash and did not depend on credit. It didn Our spending habits combined nearly led to our financial demise a few years back too. This is what I did and I hope you give it a try and it works for you too. I started with a complete inventory of all of our bills, separating them into three categories. Home (mortgage and utilities) Credit cards - (lowest balance to highest balance regardless of the APR) Miscellaneous bills (entertainment, clothing, food, gas, fast food, etc.) Since the Home category is pretty consistent every month, I set up a budget for that first. I went back through our utility bill for the year prior and chose the highest month bill of the year and added that amount to our mortgage amount. Next, I reviewed our telephone, internet, and television (satellite) bills. On average, I was paying about 230.00 per month for them all combined. Way too much in my opinion. I started shopping around and found a bundle package with Verizon. Now I pay 153.00 per month for unlimited long distance telephone, satellite TV, and DSL service. Saved $77.00 per month, just doing that. Then I added this amount to the mortgage and utilities. This totalled amount is what I know I absolutely have to pay every month and I better make sure it's in the account. Next, I did the Miscellaneous. I I started going over what was spent where and learned that we spent a lot more than we really needed to. I set up a weekly grocery budget and a fun budget. If there was anything extra at the end of the week, it was divided evenly between the two and added to the next week. I do this every week until the end of the month. If there is anything left over, that amount is divided in half again and half is divided again and added to the following week's budget (grocery and fun), the other half is locked away in the savings account. The money for monthly gas was a little trickier when the gas prices skyrocketed. I first had a set limit for gas each week but did have to adjust that. I did manage to adjust it a little bit upwards and still be able to pay the cards down (see below.) Also, every time I spend cash, no matter if the amount is $5.01 and all I need is a penny, I don Instead, I will give them $6.00 and get 0.99 change to put in my giant size espresso cup of change. When the cup gets full, the change is rolled and turned in to the bank as a deposit into the savings account. My cup last gave me $281.00 change to put in the savings account. That was in March. It Nobody touches the cup! They might lose a finger or even a hand! That being said, and having two set amounts for each budget, I then subtracted that amount, plus the Household amount from our combined monthly income. Lastly came the dreaded credit cards. To be honest, I was floored when I learned just how much credit card debt we had. My husband had wracked up over $40,000.00 in credit card debt alone. Since he paid his own credit card bills each month, I had no idea. Even worse than that, he is very inconsistent about paying his bills on time so he had late charges and the interest rates were way the heck up there. It was terrible. I took each of his cards most current statements and started from the lowest to highest balance. The lowest one was about 1200.00 but the interest rate on it by that time was 22%. This is where I started. I had him call the company and basically gave him a script to go by (my name wasn He requested a decrease in his APR on each and every card. Two of the five card companies agreed on the first call. The 22% card was reduced to 11% so they cut it in half. Not as low as I would like but it was a start. Another card was up to 31% and they reduced that to 20%. The other three didn't budge the first time. This is where I made two The first one was MS Money software. I highly recommend it. You can set up your checking, savings accounts, print your checks, balance your checkbook in about 5 minutes, pretty much a no brainer software that really keeps you in line with your bills and spending as long as you remember to faithfully enter any debit card purchase in your check register provided with the software. It will also link to many banks to update your balances online. You can also set it up to remind you for upcoming bills. (Maybe if the husband had used this earlier, we would not have been in this situation?) The second purchase was about $8.00. An accordion file folder for the monthly statements. Husband always threw his away and I cana dumb idea that is. KEEP them. Organize the tabs for each bill and put your statement in when you pay each bill. I also write the date and the amount when I make a payment somewhere on the statement, then keep them in chronological order. The actual payments came next. The smallest balance card was paid off first. All of other cards only got the minimum payment PLUS $1 more. I started doing this just for my own peace of mind I guess but I learned later that this actually helped us a bit when negotiating the lower APRs on the three more stubborn cards. It may have only been $1 extra but it was EXTRA payment and, believe it or not, they do look at that. Excluding the card to be paid off first, I added up the minimum payments of the remaining four cards (plus the extra dollar to each of those) and decided on an amount to pay the lowest balance card to get that balance moving toward 0 as fast as I could. In this case, I decided on 200.00. This left me with a little over 200.00 extra (I call it mad money but it really goes into savings anyway -planning ahead for birthdays, auto insurance, Christmas, and emergencies.) I had that card paid off relatively quickly in a few months. When it was paid off, the card was cancelled and that 200.00 was added to the minimum payment (plus $1) on the next lowest balance card. After the first month of this, once again, had the husband call his credit card company and ask for a reduction in his APR. This time it was granted. Should also mention that this card was one of the three that refused the request the first time. The first six months or so of this wasa mildly painful transition. He was used to whipping out a credit card, I was used to having cash on hand for whatever I wanted. It wasn't going to happen anymore. Finally, I wasdown to the last remaining card (754.00 per month payment by this time, having applied the payments for each card to the next as they were paid off.) When I got to this point, I started shopping around for cards with rewards programs and started comparing those cards. The last card I was paying on also had a rewards program but not quite what I wanted. I wanted to know if the terms were negotiable. It was! How about that! So, instead of losing a valuable customer the card company decided to keep me. Now I get 3% back on purchases of most things as long as I pay the balance in full every month (which I do). Any kind of air or rail travel purchased with the card is a 6% reward. I no longer use a debit card. The husband is not allowed to get a credit card again but instead, takes a certain amount of cash every week. Say what you want but he got us into this mess pretty much so he has to live with it now. It I find that I average about 400.00 per month AFTER the rewards bonuses kick in so essentially I am able to bank another $354.00 per month in savings. It adds up quicker than you might think. Should also mention that we have two teens still at home and they can really be expensive. They were made a part of the plan and do their part to help out too. Their contribution is mostly the avoidance of fast food all the time. They can come home and have a meal or eat before they leave. Things like that. Sorry for the lengthy post but hopefully I can help anyone else get out of a potentially bad financial situation like we faced.

credit debt [2008-08-24]
Wow thanks for all the good tips. As this got off the subject and onto other things, I just wanted to say I have heard Al-Anon is excellent for people dealing with alcoholism in a spouse or other loved one. It might be a great place for support for you and your kids. Just a thought.

credit card debt relief [2008-08-21]
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(

credit card [2008-08-21]
I maybe there's a link on the Today Show website. Good luck!

Credit Card Debt Counseling [2008-08-21]
http://www.cccsatl.org/index.asp?_method=viewsc=43cn=486md=debtmanagement Here It is called Consumer Credit Counseling Services. They are legit. Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office. I don We did it, completed it, and it was great. However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then). Once you join, there are no more credit cards. What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked. You then make one lump payment to CCCS and they disburse the money. They also take into consideration your income. I think that Also, this is what tells them how long it will take to pay off the debt. Just beware though that if you are behind on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance. We make regular payments. All in all, itbad mark but yet a good mark on your credit report for using CCCS. Check with them about that though, as I do not know the specifics. It is way better than bankruptcy... Hope you find some relief soon! My thoughts are with you... I

free credit report.com commercial....it [2008-08-13]
xx

The more available credit, the better the FICO score is what Suze says. [2008-06-06]
dd

If you are no longer using credit cards...... [2008-06-04]
i i don they do show up on my credit report. i would like to cancel the ones i don anyone else have info about this? i think it's a better idea to cancel the cards you will never use again because of the identity theft going on.

Cancel them now...rather be free of temptation. Credit score [2008-06-04]
xx

Credit Score will hardly be touched by closing them [2008-06-04]
xx

I talked to a credit bureau [2008-06-04]
They told me that having too many credit cards is bad. I'm taking the advice from a distant relative who told me one time if you want something save for it, don't charge it but save and pay cash. She said you may have to wait a couple months depending on the price but in the end its worth it because you pay for the product, not the product plus all the interest the card charges you. But to answer your question, that is what the credit bureau told me. It will not reflect poorly.

Hopefully they will improve my credit rating [2008-05-27]
After working for 8 cent cpl from 1980 through 2006, they wonnice purse bought at Target.

Bring ads from other stores. Most pricematch..sm. [2008-11-22]
So you donThus eliminating running all over town in a mad rush. All you have to do is get to the sale item at that store first before it It makes it sooo much easier and a lot less stressful. I hope I worded that so it makes sense. I'm tired. Or, get together the day before with a few other people who are going.Each of you is designated a different store and picks up what the others want at their designated store. Then meet for breakfast afterwards to exchange the purchases as well as horror/humor storiesfrom theadventures.Thus, again, eliminating the rushing from one place to another. I think I I heard you can do that for theblack friday sales and some store will even let you buy online and pick up at the store. (later, after the rush and madness is over!) Forthe virgin poster, beware, some people can be downright mean, nasty,rude and even violentthat morning. Seriously.Oh, and NEVER leave your cart unattended if you were lucky enough to getone of the limtedamounts per store items. People will literally take them right out of your cart if you And keep your purse in sight at all times. If you bring a purse, have it hang in front of you and not on your side. I like to just keep my money and/or credit card tucked snugly in my front pocket of my jeans and not even bother with a purse.

Our children are grown, our only grandchild is due to be [2008-11-20]
born tomorrow and we all talked about it and this year we are only going to buy 1 gift per person (except for the new grandson). So, our budget will be very small this year and, for once, I am actually not stressing about Christmas.

make a call [2008-11-20]
Look in the phone book under Alcoholics Anonymous and call the central office. Tell them you need someone to make a 12-step call. Someone from your local area who is in AA will come over to your house and talk to your husband and you can leave with the kids during this time. By the time you get back, your husband will have decided whether or not he will sober up. Usually the person he talked to will assume responsibility for taking him to the meetings or finding someone who will sponsor him. So you are off the hook at this point. On the other hand, he may decide no thanks and then you will have your real answer. AA is free and pretty crowded with new people around the holidays, so the timing is good. The average age of a person coming into AA is 25 to 45, so there should be plenty of people for him to talk to. At the same meeting place there should be meetings for you called Al-Anon and for your son called Alateen. Good Luck!

haven't been there [2008-11-20]
but just wanted to wish you well. It sounds like you are making the right decision. My husband's father is an alcoholic and from what I have heard (we have talked about it a lot) it is not pleasant for kids. You are making the right decision for them. My MIL did not do the same for her kids but my husband still wishes she had. His father is still an alcoholic and now we face the difficult decision with his influence on our children. We make the tough decisions that we feel are best for our kids. It's our job as parents and we know it is the right thing to do, despite what others within the family may say, namely the alcoholic FIL and MIL who still stands by his side and takes the abuse. Good luck. It will all work out in time.

You are both so kind, and you are right [2008-11-19]
on the mark. Yes, the credit cards are his. He lived off credit cards for several years to support himself and his kids after he and his wife split up. His wife never paid child support and he paid for daycare and everything, so had to pay for extras outside of his salary on credit. Then when I came along I was doing real well as a hospital MT, but had to quit because I was here and he needed me to watch the kids. He did not understand I had a shift like a regular job. So, after several months of my back and forth work and being with the kids, the boss gave me an ultimatum daycare for the kids or I leave my job. I told my DH that my income which was very good at the time was important to me as I have supported myself my whole life including being a single mom. But he would not budge. So, I quit. It has been 3 years and most of our marriage my trying to balance kids (I love them don Next time you get money mommy, GO FOOD SHOPPING. He said that right in front of DH. But, I just know when I do that the gorging goes on. I explained to DH about telling his son about gluttony, but he laughs at me. So, when I see him and his son eat this way, I get grossed out and am not hungry at all. I am sorry to say all this here. I actually just came back from the doc who gives me nerve pills because of my situation and he says I am doing really well coping with the situation. Which he knows what is going on. He is sending me to see a good counselor who he says, will validate me and give me support and confidence. Last time I went to see a counselor she told me to leave. But, my son loves his step sister and brother and so I want to stay. Well, sorry for the soap opera. I think when I start making more money I will get food and tires for my car, etc. but I will hide some food and snacks and siphon it into the general population here. That way they don't get snorted up by certain people. LOL. (And yes, I am putting an emergency fund away. But this is why I wish there was more transcription out there!) Thanks for your kind words and support. Between you and the doc today, it makes me feel I am not alone! :)

I don't think so [2008-11-16]
I don Obviously if it has been bothering you lately, you felt it was something you needed to do. How the other person reacts and if they want to accept the apology, it But maybe the other person needed the closure, even after all those years, you never know. I think it was very nice of you and I give you credit. Some people would have said just forget it, it's not important after all this time.

very displeased with 2 of my friends right now [2008-11-15]
We all work for the same company. Our employer offers three types of employment: Full-time, part-time and on-call. Well, work has been low and the on-call gals have been asked to halt production and allow those of us full and part-timers to meet our quota. They know I work full time, as I must, being the sole-provider for my family. They both have husbands and only work on-call for spending money. So, of course, I ran out of work today. Friend number one calls and tells me she I don I asked her why she was working, knowing work was low, and she stated to me that with the holidays coming up she needs a much larger paycheck this next time around. ARRGHH! I already talked to our supervisor about the two of them. I feel that since we are friends, I should not have to be the one to tell them that they are taking food off my plate. I I know there Thanks.

Better get your [2008-11-14]
If prices are super lowor there are a lot of sales,that means inventories are still too high at the stores. This won Stores will have a lot less inventory next year and not many discounts. So if there was something you had your eye on, don Major department stores have to borrow money to buy inventories, and with the credit crisis that is harder to do. This might be the lastdiscount sale year for the next ten years.

ironic [2008-11-13]
Just last week on Dr. Phil they talked about texting and driving -- illegal in 43 states and they showed a gal who drove her car with her knees while she texted and saw absolutely nothing wrong with it!!!!

I know this dog...sm [2008-11-13]
From the time they rescued him. With him being a pit and being scared and in a new place you would think he would have growled or showed fear or uneasiness of me. He never did. When I talked to him he would wag his tail and was so friendly. He has never barked at me when I pull up at their house. He has his own fenced off area of their yard so he wasn't just loose or anything. But when I pull up I park kind of like by his yard and he never even barks at me. I will say hey Chevy and he wags that tail. He is such a friendly dog. I love him. I just know a lot of people are prejudiced about pits and I wanted to say what a sweet friendly dog Chevy is.

Let's flip the coin on the holiday talk [2008-11-12]
Share one of your favorite memories, a food that you look forward to on the holidays, someone you look forward to seeing or something you look forward to doing...traditional, unconventional, doesn Share something positive about the holidays. My favorite foodswould be sweet potatoes and pumpkin pie with real whip cream for Thanksgiving and christmas cookies. My favorite memory is for Thanksgiving because that was our side of the families holiday as a child and no one brought presents. It was truely all about family, friends,and happy times. We never had a large family but everyone we knew was invited for Thanksgiving. I also remember looking for something to do after Christmas morning. It usually ended up being that we would go to the movies or K-Mart. Pretty much everything else was closed but I think we went through the entire phonebook every year looking for something to do the rest of the day. I don A few days later I gave her a bath. She never talked again. lol

Holiday memories.... [2008-11-12]
My dad saying (when I was age 4 to 6) that there was an elf that would hop on his shoulder every morning when he got in the car to go to work and ask if I had been good the day before. I can remember waiting for him to get home and then excitedly asking him if he talked to the elf...ok, now I'm misty eyed! Waiting in the longest line to get Cabbage Patch Kids for my daughters when they first came out....lucky enough to get ones with decent enough names and birthdates close to my girls' birthdays. Making the dreaded yam/sweet potato casserole at Thanksgving and ALWAYS setting the marshmallow bag on the hot oven door, thus melting the plastic, nice touch. Realizing that I don't care if I have to pay full price, I do not shop the day after Thanksgiving any more!

I'm a dog lover, and most dogs love me. - sm [2008-11-10]
I can be walking down the street, simply make eye contact with one and smile without saying a word, and the dog will usually rush up to me, wagging his tail like crazy and acting all silly and lovey-dovey. In the past, some of the absolute sweetest dogs I'd ever known were pits & rotties. But that was in the ྌs, before the big 'gangsta-dog' thing became popular. Then people started breeding these dogs more for a surly attitude than for good temperament, and it seems to be a dominant trait that's getting passed forward, even when unintended. So fast-forard to 2 weeks ago. I was out walking in my neighborhood, and was coming up a long flight of sidewalk stairs that go up the steep hill I live on. Halfway up, I saw a big brown pit bull standing there looking at me. I had seen him running loose on my street earlier in the day, and wondered whose he was, but then forgot about him. He had an aggressive body-language that I didn't like. But I'm not afraid of dogs, and continuned on up the steps, and talked to him nicely as I reached the top. But then the dog totally went off, and began barking, growling, and making charges at me. I knew to stand my ground, and first tried sweet-talking him. Didn't work. If I tried to slowly move away from him in any direction, he'd come around and try to come in at me from behind. There wasn't a soul around. I tried scaring him off, but that only exacerbated the problem, so I decided to just stand there and let him do his thing. 20 minutes later, he was just as aggressive as ever, maybe worse, because his charges were coming closer and closer. The only 'weapon' in my possession was a single can of cat food in a plastic bag, that I'd walked down the hill to the market to buy. Considered whacking him with it, but didn't want to be in that close to him. Turns out the owners were in an apartment right across the street. A couple finally came out and called off the dog, stating Oh, we didn (I doubt that - the dog had been out all afternoon.) Anyway, I told them I'd call the sheriff and/or animal control if I ever saw him out again. When I got home, I called animal control anyway, and filed a formal complaint, so that if he bit anyone in the future, there would already be a complaint against him, and he likely would not be released from the shelter. Animal control said they'd follow up with the owner, which hopefully they did. In the meantime, I did 2 things: I programmed the sheriff's phone numberinto my cellphone, which I now slip into my pocket whenever I go out for a walk. Good thing to do, anyway. The other thing is I went to Army-Navy Surplus, and bought a cannister of professional-grade pepper spray. Not the wimpy, .02% 'dog-repellent'. I doubt that would stop a pitbull. I got the 15% stuff that will bring a 200-pound, raging crack-addict to his knees and keep him there for more than an hour. That goes into my pocket, as well. Now I can walk & bike with peace of mind. Meanwhile, those pitbull owners should consider themselves very lucky that their dog went after someone who knows dogs, is not afraid, and didn't RUN. If a timid woman, or worse, a child, had come up those steps that afternoon, the resulting attack might have made the 6 o'clock news that night. There are probably still some gentle pits left out there, but I think their numbers are declining because of the current fashion statement of being a 'big bad gangsta, with my big, bad gansta-dog'. They want their dogs to intimidate people, and then they wonder why they can't rent an apartment or get homeowners insurance to cover dog bites. In some cities you have to post a $30,000 bond in order to keep one. It's little wonder that unwanted pits and pit-mixes are clogging up our animal shelters. I feel sorry for the animals, but if I were adopting, I wouldn't want the financial liability of owning one.

With the holidays fast approaching... [2008-11-10]
I am wondering how your kids found out about Santa. My son has never led us to believe he doesnI found outthat he told a young cousin about the truths of Santa, E. Bunny, etc. My husband and I feel like we should approach him about this,not with the intent of being in trouble, but just to let him know that he shouldn Under the circumstances, I think he said it to be spiteful because he didn't want to go to bed for the tooth fairy to come. I know as a child I was afraid that the holidays would cease to exist if they found out that I (the youngest) knew the truth. It was my older sibling who finally talked me into spilling the beans so no one had to get up early in the morning. I wonder if it may be a similar circumstance. Normally he is very open and honest with us and asks questions and discusses things that most other kids would find embarrasing, etc. He is a very good kid and I was very surprised to find out that he did this.

I had to place my mom in a nursing home [2008-11-09]
temporarily when she broke her hip the first time. It was very hard. (I had made a promise to her that I would never put her in one when she got older.) I visited her every day and every day she begged to come home. Shedidnand encourage her to keep up because the sooner she could walk with little assistance, the sooner she could come home. The PT team was great, too, always encouraging her, and she did her best. I found out that they had a hairdresser that came in every week and I paid to get her a haircut and style. After that, she kind of settled in a little bit, but still begged to come home. Thank heavens, she was only there2 months. I don't think I could have stood it much longer. Then when it was time to come home, she wanted to bring the furniture with her. LOL They had cherry dressers and headboards. It was almost like a regular bedroom. Momhe sat there for hours. No one came to see if he needed anything. The room was awful, so small andcheap furniture with old iron hospital beds. Reminded me of a regular hospital. Talked to his son and that's all the insurance company would cover for him so he was stuck. As the other poster said, research the homes as much as possible. Go when the activities and/or PT is taking place and just watch. Talk to the people that live there if possible. Talk to activity director, DON, etc. before deciding. Check the rooms. Watch to see if the CNAinsurance runs out; i.e., where the patients go after that. Mom would have been transferred to the first (MediCare) floor, but she came home before that.

wish I had the answers [2008-11-09]
I really wish I had all the answers to everything, don't we all? I don't know why pitbulls are the most talked about and abused breed. And yea there are alot of criminals that use the dogs to fight in order to get them some quick money, it's sad it really is, and yet the dogs suffer for it. And you know with the pitbulls it is almost like a race issue to me. It is no secret that the jail cells have more blacks than whites, so does that men all black people commit crimes then??? no it doesn't. Like I said before I always look at the bigger picture. I hate dog attacks happen I really do, I wish we knew why in every single case, but we don't and it's very sad.

I actually think [2008-11-08]
if you look up advice yourself and you don I recently decided to take control and just hunker down, not buy, get on a strict budget, pay my bills in a timely manner after I reviewed some articles online.Seems ya can You are told tokeep an eye on yourcredit score and then seem to be penalized for simply requesting the information. You can certainly buid any negatives up and if you check your report and find something is not accurate, use the time to correct it and have it removed/updated. Good luck. Doneconomy but I do think we all need to be more careful and cautious right now.

Have you ever seen a picture of Celine Dion's son? [2008-11-07]
Celine and husband Rene Angelil are spotted with son Rene-Charles in Paris last May. (©Reuters) Celine Dion is holding open a small window of hope that she will be able to have a second child with husband René Angélil. I would love to be blessed again, the chanteuse, 40, told Oprah this week. Hopefully we are pregnant and are parents again. If not, that That would be flowing-locked son René-Charles, whom Dion gave birth to in January 2001 after five years of fertility treatments. According to the singer, the tykeI she explained, adding, I prefer that he has long hair, he Before I read the article, I thought she was holding hands with a little girl.

Bringing your kids to see their granddad sm [2008-11-05]
My perspective: I had an uncle who was severely ill several years ago. His sons lived in different parts of the country and when he was well enough, they flew him in to visit. I could not see him so often, so I decided to write little notes to him from time to time. Talked about some funny things that he had done and how much they made me laugh. When he was gone, my aunt told me how much those trips and the notes meant to him, it was like a gift that he and the family got to experience before he was gone, a chance to say good-bye, that many people don't get. My prayers are with you and your family.

I wrote a $10 check to Wal-Mart and turned in to a $40 mistake so far. [2008-11-05]
Here is what happened. When you write a check at this Wal-Mart here, they have you sign something and give the check back. I stuck it back in my purse. They are supposed to void. I was cleaning at my purse that day and paying bills at the same time. I wrote a $250 to pay a loan. I really don A week later, i was looking at my acct online. I notice that that $10 I had written to Wal-Mart went through twice. I called the bank and asked why. They said, oh, it looks like Wal-Mart double dipped. so I was refunded the money. I don Anyway, I became concerned about why that 250 check didn They said $10 was credit to my acct. I did not connect the 2 at the time. I thought, 10, I don The man told me he would look into it incase there was a mistake. He called back the day later and said that was a $10 originally written to Wal-Mart and we cashed it. So I called the bank and told them. They then had me go to wal-mart because they said I owed them $10 back. I go to wal-mart and they say no it is the Telecheck, company they use for this service andthey thanked me for trying to clear it up and said Telecheck will be contacting me. So I get a letter in the mail saying I owe $40 plus I am not allowed to write checks anywhere that uses their service until I pay that $40 back. Whatscares me is that that check said VOID on it and that other bunch wasstill able to cash it and get their money, which I think was dishonest of them...also my bank let it go through.Now what if I were to loosea bunch of those type checks and someone cashes itAGAIN. Man I would be out a lot.Do you think any of this is right? TIA.

yea, whatever . . . [2008-11-04]
MY sister-in-law is an LPN (whooptedoo) and actually had the guts to say to me isn't that really difficult to type when you don't know what they are talking about? And she was quite proud of herself for that little slam. I haven't talked to her in about 8 years (yea, one of those). I let her think she got to me. Whatever.

Let's start a why do they thread! [2008-11-03]
Why do they make spice jar openings to small for a measuring spoon?Why to they pkg 8 hot dogs and then pkg 6 buns? you never catch up!Why does yellow mustard opening plug up and when you shake it, it squirts yellow oil?Why do credit card cos send blank checks through the mail, forcing you to open all of it?okay next?

Who would be the best to ask [2008-11-03]
advice about money.I just received my credit score and it is less than 700. However, I paid $6 and received 1 credit score and read at another place I should have 3 after I did this. It did tell me why my score was so low, one was that I don I just paid off my mortgage and I thought that was a good thing. According that that, it is not. I thought maybe I should take out another mortgage against my house. I have a 10K cc bill that is at 28% and thought if I barrowed against my house, I would probably get a lower % and maybe that would help?? but.......another reason it saidwas that I had too many recent inquiries about my credit report. Well, if I borrowed against my house, thenanothercreditor would probably have to look up my report. Another one was that I was 30 days late paying on something too recently and that I had opened and closed an account in too short of a period of time in 2005. Anyway, my 401K guy is always full of good advice and so is HNeither menever seem to want payment for their good advice as of yet anyway. I just wondered if these are the people I should ask OR is there something better out there. Another problem we are faceing is that our checking account seems to always go under at least 1 a month. Everything is such a mess, I am trying to get it all straightened out. I don

Anyone ever use a debt settlement company - sm [2008-11-03]
like DebtAmerica or something like that, one that eliminates 30% or more of your balance owed, consolidates it and gets each cc to settle on an agreed amount, etc. I am thinking of going that route instead of CCCS company which is just a DMP (consolidates it but you still pay back every penny and interest). Either way you have a big black mark on your credit. I owe a substantial amount and this way I can probably be debt-free in 3-4 years instead of 8 years.I know they charge a fee, and you have to pay taxes on the settled amount but it will be a lot cheaper for me in the long run and I can afford it a lot better. So if anyone has gone this route, please give me your input and who you used and if you were happy with their service, etc. TIA!

I'd like to know also (SM) [2008-11-03]
Also, how long is the mark on your credit for?