Posted Friday, March 13, 2009 by momscashblog |
Guest Post: Written by “Shine” who helps people suffering from bad credit or debt and other various financial problems with her blog.
Debts ruin your financial stability. Although falling in debt has become a very common phenomenon these days, you should try and avert falling in a debt trap. It affects your credit score and reduces your chances of getting credit with suitable terms in future. If you are in debt don’t wait for the collection agencies to call you or for your creditors to file a lawsuit against you. Order your credit report from the credit bureaus as you are entitled to get a free copy of your credit report once in 12 months. If you find any discrepancies report the same to the credit bureaus.
There are many debt solutions you can avail if you are in debt. Debt consolidation, debt settlement, debt management plan etc are some of the solutions that can reduce your debt load. A credit counseling session can help you to decide exactly which debt relief option is appropriate for you depending on your needs. Given below are 2 of the widely availed debt solutions.
Debt consolidation
Consolidating all your debt accounts into a single account may be referred to as debt consolidation. There are 2 ways in which you can address your debt problems by consolidating your debts. One is by availing a debt consolidation loan and the other way is through a debt consolidation program. If you are enrolling for a debt consolidation program with the help of a debt consolidation company, it becomes easier to handle your debts. A repayment schedule is worked out and you are expected to make payments according to the new repayment schedule. Your monthly payments get reduced as a consequence of reduced interest rates. You can make payments as per your convenience. (more…)
Posted Tuesday, March 3, 2009 by momscashblog |
Thank you for your well wishes to JJ. She has read them all and she was touched by your caring words. She’s doing better but it’s going to take a while for her to get back on her feet again and able to get back to blogging. I will be helping her as much as I can when I’m not working but I have a very busy schedule right now. In the meantime, while JJ is still recuperating she said she’d welcome some guest postings for MomsCashBlog.
So any blogger, or non-blogger who want to write a post to help JJ out can send it by e-mail to jj@momscashblog.com and we’ll look it over and put it up if it’s appropriate. Please keep the topics to something helpful for bloggers and/or about ways to make money online, or anything that might be newsworthy on MomsCashBlog.
Thank you for bearing with me. JJ will be back here soon and I still plan to help her out with the blogs. I’ve been talking to her only by phone for this week because I have a cold. She’s just had a couple of blood transfusions and is still quite weak. The last thing she needs is to catch a cold from me.
Posted Wednesday, February 18, 2009 by momscashblog |
Hi, I’m a friend of JJ’s. Some of you who have read the comments on Moms Cash Blog know that JJ has been in the hospital since January. She had a bad case of kidney stones and was in unbearable pain. While in the hospital her blood pressure went up very high and she stopped breathing. They had to resuscitate her, put her on a respirator and then put her into an induced coma to save her organs. She was in the coma for 5 days and she passed some kidney stones while in the coma. They said she was in a lot of pain and the stones were blocking her kidneys so it caused her BP to go too high and made her system just shut down and she stopped breathing. They were going to keep her in the induced coma for a longer period of time to give her organs a rest, but she fought it and came out of it on her own before they wanted her to.
She came home for 2 days but was in so much pain she had to go back into the hospital and they found she had more stones. Hopefully she will soon be home for good and back on her blog. Thanks to everyone for your kind words and your prayers for JJ. I know she will appreciate it when she gets back.
Posted Friday, January 23, 2009 by momscashblog |
I’ve gotten all of my mail out of the snowbank, and since it’s January there were some tax documents waiting for me. I haven’t received all of my 1099s for my blog income, but the rest will be coming in soon. I’ve lost quite a bit of money in stocks, but that’s just on paper as I didn’t take anything out while the stock market is down… in fact, I bought more stock in companies I am sure of and I know I’ll gain in the future. But anyways, I am actually excited about tax time this year because it means I can prove to my accountant that “You can make money with blogs”!
When I bought MomsCashBlog, I had to tell my financial advisor about it since she holds most of my money. I knew she would not understand or agree with my decision. I met her when I was on the Trade Commission in an affluent city where I was the co-owner of a retail store. She was the accountant/financial advisor/broker to all of the successful business owners on the Trade Commission, so when I decided to get serious with my money, I went to her. It didn’t take me long to realize how she made everyone else so wealthy… she doesn’t let her clients spend money! lol She makes them put everything away and invest it, and weighs every decision for it’s potential risk before she makes a move.
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Posted Tuesday, January 20, 2009 by momscashblog |
One of my friends called me last night and asking if I received my invitation to Barack Obama’s inauguration. I thought she was kidding, of course, but she said, “No, we really got one for the work we did on his campaign!” To think, I might have an invitation to the Inauguration in my mailbox! I haven’t been to the mailbox since January 3rd because it’s in a 6 foot snowbank… and anyways I thought I only had bills and they get taken care of by direct deposit, so why bother looking at them? (lol) I drive by the mailbox every day, but haven’t bothered stopping. This will surely make me think differently about picking up the mail.
It’s a “Commerative” invitation so that doesn’t mean I was invited to THE inauguration, it is pretty much a symbolic gesture. (and a nice one at that!) This has been one of the most inclusive events that has happened in Washington, D.C. in quite a while. I know I’m very proud to have Obama as our president and it’s heartwarming to see the world is excited about our choice. It’s not often that people from all over the world come to participate in an American public inauguration. Like the millions of Americans who will be in Washington today, they want to see history in the making.
Good luck Obama! (Sorry I can’t make it, but I’ll watch it on TV. lol)
Posted Wednesday, January 14, 2009 by momscashblog |
I am not a technical person and I want others like me to know that they can start a blog without being super technical. I’ve been getting a lot of e-mails from bloggers-to-be who feel overwhelmed by Search Engine Optimization. So, this post is for anyone who is hesitant to start a blog because they want to learn everything about blogging and SEO before they take that first step.
When it comes to blogging, the first thing to remember is “he who hesitates is lost”, so start a blog today. Don’t wait for the perfect time because there will never be a perfect time. If you’re a perfectionist and you’re trying to learn everything before you start a blog, you will surely be lost. I jumped right into blogging and bought MCB without knowing much about it. I’ve made some mistakes, but blogging is a “learn by doing” process. If you wait until you know everything then you’ll never get your blog off the ground. So I say just start your blog and learn as you go. Lucky for you, there are hundreds of bloggers out there ready and willing to help you with great posts about SEO and anything else you need to know about blogging. (more…)
Posted Friday, January 9, 2009 by momscashblog |
People who know how to make money have several things in common, and one of those things is that they give to others who need help. Most wealthy people give a lot of money to charity or their community. You might think it’s because they are rich that they give, but could it be that they are rich BECAUSE they give? Giving is a very important aspect of the Laws of Attraction and making money… if you give more freely you will receive more freely. What goes around, comes around, as they say, and it’s as true for money and kindness as for anything else. Money and kindness are meant to flow. In most major religions, it’s known as the “law of reciprocity”. When you give to others, it will be reciprocated — meaning whatever you give will come back to you, and MORE, from one source or another.
John D. Rockefeller was known to say whenever he gave money away, even more came right back to him! He started working when he was very young and gave his earnings to the church because his mother told him to. Later he still gave freely not just because it was the right thing to do but also because he saw that giving to others just made good business sense. He was known to be a “mental mathematician” which helped him greatly in business matters. (more…)
