One time years ago we did CCCS.
Posted By: sm on 2008-05-02
In Reply to: debt consolidation/relief - y
It did help with interest rates. We made one payment instead of many, but not all companies will "play along" with CCCS. It all depends on what you're looking for, but CCCS makes you cut up your cards and close accounts (I think) so that you can no longer charge. It does put a dent in your credit score as well. I'm not so sure how it works for late payments already either. We were current, but struggling and needed help with all of that interest. It worked for us. Have you considered snowballing your credit debt? I wonder if this could work for you?
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what is CCCS
Hi, I am always afraid of those ads I always hear on the radio about lowering your debt by 70%. never believable. Will you tell me how it goes with them? I am about 12K in debt, and about 9K of it is from back taxes owed which was devastating when I learned that... but thanks to being a self employed transcriptionist... I know take 30% of EVERY paycheck out to taxes. and WOW, my world came crashing down this year when i saw how much i really made... it's pathetic for the hard work i put in and now im drowning in debt at the age of 27 and very very upset about it. I can't even pay down the cards because i can barely pay my bills on this measly salary!
Before considering the CCCS or debt relief (sm)
places, first call the companies. If you haven't been charged off yet, most will work with you and have hardship programs. The accounts will likely be closed, but after 3-4 ontime payments they will "re-age" to show as current, will lower the interest rate so payments are lower and you will pay off over a 4-5 year period (in most cases, you can't use the cards as acct will be closed to further charges in exchange for drastic reduction in interest rate). Going with CCCS or similar, has the same effect as a BK, even worse, on your credit rating. The accounts will report as "closed, paying under debt management plan." While bankruptcy is an option I suppose, if you're a homeowner or have any assets, you'd have to file Chapt. 13 which will allow for some payback. I'd call the companies first and lay out your situation and see what they suggest. The credit industry is in a mess right now so they are willing to work with you if you're upfront and showing good faith.
All the time and I was RN years ago.
3333
3 years is a long time. Don't you think
What if the carpet store does not have the same carpet after 3 years. Also, carpet repairs are not cheap. You have to pay labor and the cost of materials. It would probably be easier just to get the whole room replaced or simple as it sounds, put a throw rug over it and call it a day.
Six years is a long time; I'd probably go with 100.00
gift certificate to a nice restaurant or a spa/massage.
When I got married the first time (years ago!!) sm
I asked a very close friend that I could not have as a bridesmaid monitor my guest book - and I have no idea what happened to that book!! I would say it was nice that you were asked - it is a little bit of an honor if you will - but this late you are obviously a replacement for someone who may have had an emergency or something - and the bride will jsut have to accept your dress or ask someone else as you are out of town and don't have the time or money to purchase another dress at this point. Tell her thank you - you are honored - but you will have to pass???
First time in 9 years that I have a 4-day weekend...
And I plan on doing NOTHING! Happy Labor Day!
There was a time a number of years ago -
when everything was so frustrating at work, at home, and everywhere else, I came within a heartbeat of just getting in the car and leaving EVERYTHING behind: Abandoning my job, my friends, my family, my apartment, even the pets in my apartment. EVERYTHING. Just leaving and becoming somebody else, somewhere else.
But I decided to give it just ONE MORE DAY. The next day I called in sick and didn't go to work, just to give myself one more day to think about it, and to pack and close out my bank account, just in case I was really going to do it.
The next day I went in to work, and guess WHAT? The boss had been fired! From that point on, things started looking up, so I stayed.
2 years is a long time to be doing what you're doing.
nm
Well, the last time I watched the show (few years back) I sm
remember Phyllis as a conniving you-know-what! I'm surprised that ya'll like her. She must have changed A LOT! I loved him with Sharon...
A time of 5 years should not have caused kidney failure.
This is too short a time.
Did she have heart problems also?
I know people who drag along for 30 years until they finally succumb to organ failure.
Time. That's all it takes. I took in a recliner full of smoke and a few years later sm
looks brand new and smells like my own home now. It was really bad with smoke. Same with books. It just takes time. It will eventually go away. Unfortunately, nothing I know works for that without ruining the books.
My daughter is 35 years old and has been having pain in left lower abdomen for quite some time . . .
She had a CT with oral and IV contrast and it was normal, but showed she had an enlarged uterus. Dr. called the next day and said she needs to go for ultrasound.
There is lots of cancer in the family, so my daughter is very concerned. Can any of you who have experienced this help out here. Thanks.
I lived in Montana for two years. Every time I opened my mouth, they said, "What part
of the South are you from? I said, "Golly bum, South Carolina".
My husband is 7.5 years younger. Been together almost 20 happy years...nm
nm
My feelings; people shacking up together for years and years
and then all of a sudden deciding to get married don't need a thing, obviously. A shower should not even be given. I lived with my now husband a while (nowadays who doesn't!) before we married and I also had been married before years ago but he was not....so of course HIS mom wanted a shower. I told her absolutely not unless it was just the immediate family, his mom, sisters, etc, more like a celebration/get together. And so that's what we did. Showers are tacky, period. Unless it's a couple of young kids getting married straight out of the house and that doesn't happen much anymore.
No! That sounds too desperate. TIME. Just give it TIME. If it is real, then sm
something will definitely evolve. If you like him, flirt back! Don't act desperate because if he DOES like you, then the suspense will just make him want to get to know you more. Trust me on this.
I worked in the medical records department of a hospital when I was single and dated a few co-workers in my early 30s. It was fun. Nothing serious came about any of the relationships.
This sounds like fun - the beginning of maybe something to come....Keep us informed.
Been with a man 13 years older, now with a man 4 years younger.
Younger is better, at least in my case ;)
Sorry, meant 75 cents. Still, that was years and years ago.
xx
I studied to be a scopist years and years ago
Back in the early 1990s I took a course called Note reader Scopist. They read court reporter notes (those long skinny papers that looks like a cash receipt) and types them into documents. I had found the course through something called At Home Professions but just didn't finish it because it was too expensive for me. But I am familiar with them and even found my book from the first course I took. Looking back I think it would have been a blast if I had kept up with it.
It is definitely legitimate. A lot has changed since the early 90s, so I'm not too familiar with the industry now. I do remember what was really weird was it didn't take a lot for me to learn it. For instance I could look at a line of court notes and see something that looked like: NV p srn - and I seemed to know exactly what it said. Just weird. My DH used to say that I understood it because I was an alien and my ship crashed in Roswell. HA HA HA Anyway...that's what I know about it. But if you Google note reader scopist or at home professions i'm sure you could probably find a lot of info.
I have been vegetarian on/off for 35 years, was vegan for about 5 years sm
not that hard. Right now, I am having so many issues with food allergies and celiac disease, having to give up nightshade veggies...nothing left to eat. I am eating some meat now, but not when the gastroparesis sets in!
Being vegan is not hard...unless you are a celiac. This is how I figured out the celiac part because so many of the meat analogs and vegan packaged foods use gluten for the protein and I got really sick from it. I gave up all the premade things and the whole grains with gluten and I was fine.
There is vegan and then there is VE-GAN. By definition, vegans don't wear, use or consume anything that is derived of animals...no leather shoes, most shampoos and toothpastes are off the list, as are deodorants. No wool or silk. Anything with soap usually has animal byproducts. It is very involved and rather difficult to do.
Giving up meat, eggs and dairy is no big deal, except for cheese. You hear that ad about "comfort proteins" in a baby formula and there is such a thing. Mother's milk, be it human, cow, goat, whatever...contains a chemical that triggers the release of endorphins in the brain so that feeding feels good in more ways than one. The purpose of this is ensure that the nursed young want to nurse and thrive. Human milk has a lot of these, so does cow's milk and cow juice triggers the same reaction in the adult human brain. Cheese is concentrated milk and therefore these chemicals are also concentrated. As a result, cheese is an addictive substance. This is the hardest thing to give up when going vegan. Vegan cheese substitutes are nasty and they don't melt. If a dairy-free cheese melts, it contains casein, an animal protein and not vegan.
I studied this years and years and years ago
Most definitely is legitimate. In the late 1980s I studied to be a note reader scopist through a group called At Home Professions. I loved it, but unfortunately could not continue due to no funds. It was reading the court reporters notes which looked like a grocery receipt with a bunch of letters scattered on it. The weird thing was I found it extremely easy. For instance I would see a line that looked like: av e cr, and for some reason I would know what it said. My DH told me that's because I'm an alien and my ship landed in Roswell. HA HA. Well I know that a lot has changed, after all it's been over 20 years since I took the first course and know a lot of it is computerized now, but it is most definitely legitimate and I've heard people like to do it. I think I remember one of the courses was in medical terminology and another course was in legal terminology. Should be able to find a lot of it on google, or maybe go to your local college if they offer it and talk to an instructor.
Totally agree, get these from time to time since teens...sm
It's a neuro condition, it does not mean there is anything at all wrong with you, it is actually related to narcolepsy, hypnagogic (sp? I just got up!) hallucinations, etc. And I HATE when I get these, it is always freaky, my siblings get this too, at times. I can "go away" for years and years before you get another episodes, so don't worry! I heard that when you are under a lot of stress or are very busy with things that this happens more??? Take care!!
It's time to stop when you or the kid(s) feel it is time, and no sooner. sm
My grandmother (who passed away at the young age of 107 back in the mid 1990s) was STILL celebrating every little holiday for all of her many kids and grandkids, and she would STILL give me a chocolate bunny every Easter, as she had since I was a toddler and even though I was 40ish at the time (and I still delighted in biting its head off in front of her, as I had also done since I was a toddler, which always met with mock disapproval from her).
Don't let anyone dampen your joy in celebrating your traditions.
The very 1st time he talked about killing you, was the time
The guy sounds like a psycho.
Rachael Ray has a segment from time to time
on using the bottom of the bottle receipes (i.e. bar-be-q sauce, peanut butter, maple syrup) and I have used many of her ideas and been amazed at how far you can stretch a dollar that way. Go to her website, it will give you many ideas.
Oh Amy, surely there was a man who "kept" you from time to time..
or you were at least married and had access to money!
It was a great time - I just hate the time we are in now
I liked your post. Thanks for replying It's nice to know other people were raised like me. We seem to appreciate the things we have. Oh I should've also said we didn't have A/C growing up. My parents idea of A/C was having my sister and I wave a piece of cardboard in front of them. HA HA HA.
I just couldn't stand the 90s and 2000s are even worse. I hate all the politics going on today, the world events, the bleak future. The degenerates running around, listening to kids talk back to their parents, girls gone wild, etc, etc. I'm grateful my grandparents and mom are not alive anymore to have to go through this with us.
I love watching old movies and the music of the 40s/50s. If I was alive back then I would've been doing the jitterbug and all those other fun dances. Life seemed simpler and cleaner (even though I've got a mouth like a sailer - guess I got that from my Army days).
I wouldn't mind the turn of the century either. I love the clothing and the simple life. Those are the times when the husband took care of the wife. If I could be transported back to the 1800s I surely would in a second.
This has happened for years and years, where have you been?
Frank Sinatra, Elvis, the Beatles, and on and on. This person is acting very normal like the age she is. You would have to have been under a rock to think differently, like this was an abnormal behavior....
Lost my mom 23 years ago and dad 18 years ago.
My son was not even 1 when my mom died....she was only 50. My dad died at age 59. So even though I feel your pain....I would have been very grateful to have them into their 80's. I guess we take what we get and be thankful. Sometimes it is hard though.
I was married for 13 years and 2 years
after my divorce I met the most incredible man. He was also divorced, we both have 2 kids, and though we are not married, we have been together for 9 years. They are still out there, you may have to go through a few marginal ones before you find him, but they are out there and available.
Time out and then spanking if time out
If we are out in public however, we do not go home. Spanking right there and then and the kids learn REAL QUICK mom means business. I do not mess around and I have a 17-year-old now that has enlisted in the military and THANKS me for his tough upgrowing. It helped him through basic training.
Well, I have questioned myself from time to time.
I figured this was typical. DD has lots of friends but two real close friends. I guess this is all part of building social skills. I am glad I did okay then.
Same thing happens to me from time to time - sm
if I roll over too quickly. I have positional vertigo. There is not too much you can do about it except try not to move or get up too quickly from a supine position. I have never had an earache in my life either so that has nothing to do with it. I don't ever feel sick from it though, just more of a nuisance for me every now and then. If it keeps happening obviously get checked out, you may have a more severe case, though again there really not much you can do about it, all it is is some particles in your ear breaking loose and that causes the dizziness, etc.
If I had not asked time and time again
for the daughter to ask me are you upset- are you angry- are you in a bad mood- People can think what they want- She is a very intelligent person and my asking to please should be enough. Gest of the posting. Selfish, OMG, that is really a laugh. I have and do take care of others well before my needs- I have given of myself, my time, my finances, the whole thing until, now this will sound selfish- it is my time now. I take care of me now- this is selfish but this is the truth. I raised my family, did all I could (still do for the daughter if she needs assistance which she never asks for but I offer)and now in golden years, me time.
Yes. Next time put a time limit on it., but is there any way you
nm
I keep it in the office part time and on the patio part time
I've got the self-cleaning electric litter box (and boy is it worth the $100), and have a huge throw rug under it with a smaller rug by the litter pan that has a bumpy mat on top of it to catch the excess. I keep it in the office from April to October but on the patio from October to March as it is too hot in FL to leave the patio door open for them during the summer months. I also put out a spare box when we go out of town for the weekend.
Try a box that has deeper sides maybe, or not as much litter in it?
Was your kid almost THREE years old?
tt
I am and have been for 3-1/2 years....sm
feel free to e-mail me any questions you may have and I'll answer the best I can. For me, foster parenting has been a very rewarding experience.
this years
x
I had it done 5 years ago.
The good: Surgery went well. Lost from 420 pounds down to 175.
The bad: Became depressed, lost my hair, damaged a kidney, and eventually gained the weight back. Weight 350 pounds now.
If you can't change your habits now, you probably won't change it then either.
Only 5% of those who lose weight (even with surgery) keep it off.
DH had one about 5 years ago....
It was a breeze for him, and only a $10 copay! He tried to be macho though and lift something pretty heavy 2 days later, ended up home for about 4 days and pretty sore! All in all everything has been A-OK, he has never had a problem. Didn't slow him down any either, he is still quite the man, if you know what I mean! LOL! Good luck, hope it works out for you.
We do...even after 21 years.
About 17 years ago,
I had an ex-boyfriend that owed them money. Don't know if he was buying it or selling it, and never had heard of them before that, or since then.
WW as of 2 years
I did WW 2 years ago. They have 2 plans, the core and flex. I did the flex. It is a point system. Basically you eat anything you want. You keep a diary of what you eat and add up the points at the end of the day. The points was based on the number of calories, amount of fat and fiber I think too. I don't know anything about the core plan. I did loose weight the 3 weeks I was there. I went from 196 to 189. I quit when I got pregnant and never went back. I would love to go back but I don't think I would get much out of a meeting anymore. I have a 5 year old that gets bored and a 16 month-old that won't sit still. I think the cost back then was $11 a week.
Had it when I was 11 years old. sm
I really cannot remember how long I had it before I was diagnosed, seemed to last a looong time though. Mine started out with one lesion on my torso, which itched but would feel like someone was stabbing me if I touched it... even if my SHIRT touched it! All of the lesions were very painful, but I remember that one most because it got infected. Turned a grayish green and oozed. I still have a large scar from it. Hope you feel better soon. It is very painful.
I took it for about 10 years.
I just changed to Effexor. Ten mg is an extremely low dose. To keep migraines and neck/shoulder tightness under control I needed 20. But 50 mg, even though that's still a pretty low dose, could cause daytime drowsiness for me. Other people might take 100 mg, I believe. And at 50 mg there was a little weight gain, also. If you still have trouble, you might try melatonin also. I hope you're feeling better soon.
I don't think 8 years is all that much, I think it would be a lot of fun!
x
My SIL had it done about 1 1/2 years ago; had no ...
real problems; lost about 125 pounds. I also know a guy who had it about 2 years ago and has lost about 175 pounds. He really has not had problems either. You really have to research the doctor, though, and a lot of people have had problems with it.
BF for 6 years
Also does not make me a crazed lunatic, either - as many of you have alluded to - you would be very surprised if you met me on the street - I look just as normal as any of you - only probably slimmer and with larger natural breasts - and remember large areolas (LOL)
Yes you can. I have done it for 20+ years, my mom
did it for 40+ years. I usually use parchment paper now, but before I knew about it I always used wax paper. I have never had a problem with wax on cookies or cakes and there has been no taste difference. Even some of the pre-modern cooking shows used to tell you to use wax paper on the bottom of your ringed cake pan.
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