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Katelyn Cole

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Archive for the ‘education’ Category

Today would have been my great-grandmother birthday

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Too many times we forget the birthday of our loved ones that have passed away.  That’s not true for me.  My great-grandmother is one of those people that I prefer not to forget about.  She was an amazing woman.  She farmed 20 acres of land long after my great-grandfather died.  She grew enough food for three families and even sold a lot of what she grew.

I always make sure that on her birthday I place some chrysanthemums on her grave.  She loved those flowers and even grew them to sell to a local florist.  That woman could make money from the ground like no other I have ever known.  Like I said, she was a very special person and I have learned so much more about life and living from her than I could have ever learned in any classroom.

Learn something new every day

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When I was sitting down this afternoon to eat my late lunch of peanut butter and honey sandwich and a glass of water (yes, I really am trying to save money) I noticed that my son was watching an episode of “House” on television. I was only there for a couple of minutes, but I watched it while I was there. I learned something very interesting in that couple of minutes; sorbital is used as an artificial sweetener in sugar-free products, such as gum. It is also used by the medical profession as a laxative! Now that I know that, I will keep that in mind the next time I am having stomach troubles!

A word of caution

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One of the things that scares me a lot is the proliferation of businesses like Little Payday that are cropping up on almost every second or third block downtown. Because of the struggling economy, more and more people are turning to short term loans to help them pay for things that they really need, like groceries and rent.

The problem with doing this type of loan is that if you are not able to pay it back within a few days of borrowing the money, you end up paying an enormous amount of interest, and by the time you are finished paying it off, you end up spending three or four or even five times the amount of money that you borrowed in the first place! Trust me, I am not a big fan of eating peanut butter and jelly every day, but if that is what it is going to take to make ends meet for a few weeks, it might be smarter to restrict yourselves to eating cheaper food for a while in order to prevent yourself from being trapped into a never-ending debt. Please folks, be really careful if you try to get a short term personal loan. Read the fine print carefully and make sure you understand all of the costs.

The Internet is fun and educational

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One of the great things about having a fast Internet connection is the ability to participate in webinars, watch movies and videos and play online games whenever you want to. When I got my first personal computer the Internet was not even available to the general public; I used my personal computer to type up term papers for college.

When the Internet first became available in my area it was restricted to dial-up, and that was the only option for a very long time. Because of that restriction I used it for emails and research only for a very long time. I had to go on a waiting list for faster Internet and when it finally became availabe I was so happy to be able to go online and see and do things I had only been able to do at work before. Now whenever I go to my mother’s house and use her computer to check my email I am reminded about how lucky I am to live in an area that has fast Internet connectivity.

Credit where credit is due

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Since the economy is still a long ways away from the much desired recovery, many consumers are going to continue to struggle with keeping their bills paid on time. Credit scores will continue to fall, and this will make it more difficult for the consumer to buy their large ticket items on credit. This makes it even more important for the consumer to keep on top of his credit score and taking whatever steps are required to focus their efforts on  Credit Repair.

Occassionally I find myself reading a magazine article, or an online article about the importance of making sure that your credit score is not being falsely harmed by fraudulent or mistaken errors on your credit report. The first step on any Credit Repair process is to review your credit report. You are legally entitled to get a copy of your credit report once a year for free. Reviewing it for mistakes is the first step you should take. Even The Best Credit Repair Service money can buy will tell you that is the first step in the process. The last time I checked my credit report, I found a couple of mistakes on it, and I have been trying to clear them up. That can be a frustrating process, trust me!