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Goldbird

All sorts of elements when combined or heated will cause noxious fumes and those symptoms.  Even some welders have to wear respirators and breath canned oxygen when working with some metals.  Can't wait to hear more about it though! 

"Having your own teeth SHOULDN'T have to be considered a luxury."  I'm sure you knew what I meant though.  Frosts my tuckas it does.

"emotional affair".  You are better off letting it go and finding a friend that can talk to you without it being a secret. 

Last week a little girl in my community was having a snowball fight with her friend.  Her mom was clearing the snow from the driveway.  The little girl slipped and fell and her jacket got caught in the auger of the snowblower.  She was without oxygen for at least 11 minutes (that was response time for emergency workers to make it to her house).  We don't know how long she was trapped before someone called 911, mom was hysterical (obviously) and kept screeming she was dead, she did not at that time try to get the jacket off of her.  The little girl has so far made it but she is still on life support. 

I am asking for you all to do 2 things:

 1.  Keep this little girl and her family in your thoughts and if you are spiritual then please keep her in your prayers and let's hope for a miracle. 

  2.  I am asking that you please don't allow your children to be anywhere near you or anyone when you are snowblowing. Things just happen too quickly. 

I know my kids are always playing outside when we clear the driveway and we "shoot" snow at them from the snowblower but that will not happen again.  This poor mother has to live with what happened for the rest of her life and I can't even imagine the guilt and pain she must feel but she has to keep going because she has 3 other children at home.

I'm sorry to be a downer on Christmas Eve but if a miracle is going to happen it will be today.

Merry Christmas, Happy Holidays to all.

A few years ago, my husband went absolutely crazy with credit cards.  I have always been very frugal and careful with money so it was pretty devastating to me.  Especially since he kept it a secret until it was way out of control.

You can try the same thing I did to get us out of this mess he created.

Hopefully you have made some effort at payments or at least have kept in touch with your creditors.  If not, it might be a little tougher but you can try.

Call the card companies and ask to speak to an account supervisor.  Don't speak to someone answer the phones.  Trust me. You need to speak with someone who isn't going to waste your time.  Explain the situation and how you are trying to fix it now that you have steady employment. 

Call the one with the highest balance first.   Ask if it is possible for them to lower your APR and consider giving you a much lower FIXED rate for at least up to 1 year if not for the life of the balance if you also include a balance transfer from another account to this one.  If they say no.  Big Deal.  That's all they can do and, you can call back in a week or so and do it again, maybe not get the same person.

Make sure when you call that you write down the date, time, who you speak to, and make notes of every conversation.  Keep these separate for each card. 

If you are granted the request of extended credit for balance transfer and lowered fixed interest, make sure you request a letter stating these changes.  Write that down too and make sure you get that letter.  If you don't get it.. call them back and go back to your notes from the original call so you have all the details and GET THAT LETTER! 

Remember, you do not want to max out any of the cards. If you can do the above with at least two cards and get everything down to 2 cards or less, you will be doing okay and you will see the debt going away a lot faster. 

If you can swing it, make DOUBLE payments on at least one of the cards every month.  I know it sounds painful but, believe me, I did it even when things have been extremely lean around here and I am so glad that I did.  When you get one of those cards paid off, you aren't done yet.  Put the entire payment you were applying to that card to the next card.  Every time you pay something off, you move that payment plus the minimum to the next one and the next one until you are all paid off.

When you get one card paid off, make sure you call the company after the first statement you get that says ZERO balance and cancel that card immediately.

Remember I said my husband's credit card debt was around $28,000.00  - That was just a little over two years ago.  I have one card left and the balance on it is $7000.00.  The minimum payment on this card is $143.00 per month and I have taken all of the previous payments from the cards I have already paid off and am now applying those to this card too, totalling about $600.00 per month so I will have this one paid off in about a year too. 

You can do it.  Don't take no for an answer.  Just be patient, wait a week or so, and call again until you get what you want.  They WANT our money and they want our business.  They WILL give in eventually. 

I also found that a little hard bargaining sometimes worked.  If someone told me they could not grant my request for a lowered fixed interest.  I would tell them that I am prepared to do a balance transfer today and close this account unless they could give me a better deal.  That usually worked the first call. 

Good luck.