Kimmy Schemy

Archive for November, 2010

I filed a leave of absence last Thursday. I took my eldest daughter, Candid, to two universities that we want her to get admitted to. I know she’s been trying to procrastinate it for as long as she wanted, but it came to the point that she could delay it no longer. She has to face college. So, we filed an application for the entrance exam.

I raised my daughter to be a strong-willed, self-empowered young woman. And she seems to be growing to be that young woman I have envisioned her to be several years back.

But last Thursday, she seemed to be ‘scared.’ Or maybe ‘bewildered’ was more like it. Always the protective mother, I wanted to tell her everything is going to be ok. But I knew it’s time to let go.

College IS HER FIGHT. This is something that she has to do by herself. I could only help, I could only watch, I could only cheer her on, but I could never DO it for her.

Then I felt scared myself. Is she ready? Did I prepare her for this? Did I prepare myself for this? Can the moral values I instilled keep her from doing things that could ruin her chances of a better life? Have I set examples good enough to keep her on the right path to her goals?

Maybe I’m not scared for her. Maybe I’m scared for MYSELF, that whatever she does will be a reflection of what I did.

I know I could only HOPE. Hope that she is that person capable of committing mistakes but capable also of making them right.

I know I need to have FAITH, faith in her that she can discriminate between acceptable and unacceptable, and faith in GOD that He would take care of her.

Finally, I know I could only LOVE her for what she is and what she is not. After all, she is an IMPERFECT DAUGHTER raised by an IMPERFECT MOM..

Finding the perfect gift for your child’s teacher doesn’t have to be as intimidating as it sounds. You can choose a great gift without breaking the bank or knowing everything about the recipient. If you were surrounded by 20 children just like your own, what would you like? Asking questions like this will get you headed in the right direction. The following is a list of all-time favorite gifts teachers receive from their students:

• Cash cards are well loved. Teachers can buy the TOMS shoes they have always wanted or fill the car with gas; whatever they choose it will be exactly what they wanted.

• School supplies are always welcome. Teachers love school supplies. Your art or educational supply store can give you some great ideas.

• Gift cards to local restaurants will be joyfully welcomed by your child’s teacher as well as his or her lucky friend or spouse.

• Gift baskets are fun to get and fun to make. Put together some special treats all purchased with a specific theme in mind. Favorite themes include sports, spa, and gourmet or comfort foods.

• Gift certificates to movies or for movie rentals will please any teacher. A DVD is also a great idea.

• A plant is still a great gift. Choose a plant that tolerates shade and cleans the air. Some good choices are spider plants, English ivy, pothos and dracaena.

• A bookstore gift card is last on the list but not least. Books, puzzles, magazines and a host of other gifts can be found at the local bookstore and all make the perfect gift for your child’s teacher.

Once the gift is purchased and wrapped, don’t forget the most important part of the gift. Write a note to your child’s teacher expressing your heartfelt gratitude for all they do for your child.

Toms Shoes

www.sojones.com

Fresh out of The Amazing Race, founder of Toms Shoes Blake Mycoskie had an idea to start his own reality show. To do this, he revisited the places went

Look at that.. Cute huh? But when he looks that way, it seems as if he’s into something. And that SOMETHING is not pleasant.

Well, boys will be boys..

Owning a lot of rental properties can be fun, and it can also be very profitable. If you do it right, there is little financial outlay and a lot of income. Unfortunately, things don’t always work that way. Too many people aren’t really sure how to handle the property that they buy. They end up spending too much, getting bad tenants, having to fix a lot of problems, and generally not making the kind of money that they’d hoped to get. If you’re in that position, there’s good news. Getting a management company can really help you out.

Scottsdale property management is a wonderful way to have more free time, make more from your properties, and reduce the headaches that come with being a landlord. You would only need to make executive decisions that went above and beyond the management contract. You would get paid from the rental of your properties, minus the management company’s fee and any other expenses that were authorized for that month. Even though you might worry about getting less money because you have to pay the management company, you’ll often make more because things will be better managed. The company you use can get things done more efficiently and often for a lower price than you can.

Don’t be afraid to seek help with things that are complicated, like managing rental property. Especially if you have a full-time job and/or a family, property management can take so much time out of your life that you’ll struggle to get other things done. It’s great to be able to avoid that, and one of the best ways to relieve yourself of that burden and still make money from the properties is to get a company to handle it for you. Professionals can help you to feel better and more in control of your property and your income.

Scottsdale Property Management Companies

www.allpropertymanagement.com

Find property management companies in Scottsdale (Arizona) matched to your real estate needs. Locate the right rental or association managers and get a free quote.

My daughter, Mika, is really fond of taking pictures, HER PICTURES. Sometimes, I get to thinking that she’s a little vain. But then again, she’s young. Maybe she’s just an ordinary girl fascinated by her own face in the camera, lol!

Everyone eventually encounters a situation in their life where they are short on funds. I can attest that I have been there too. Sometimes your bills end up a little higher than your income, or you miscalculate a due date and end up short on funds and high on anxiety. Luckily, there are a few different opportunities available to you to cover such a shortfall before you are hit with late fees or other charges. Certain bill collectors will not wait for you to short out your finances, and as such, you need to be able to take quick action to get the financial help that you need before you end up truly struggling.

It is important that you know where to turn when you end up with financial surprises that you did not expect. For example, will you qualify for an emergency loan? A payday loan? How about a loan offering a prepaid card? If you know what options are actually available to you, and what you will actually be capable of qualifying for, then you will be prepared to deal with financial emergencies in the best way possible. There is absolutely no reason for you to wait until the last minute to deal with a financial emergency. In fact, waiting until the last minute can cause you a lot of unnecessary hardship.

So plan ahead by knowing where you can get the financial help you need. Once you have an avenue that you can pursue, you’ll be ready to deal with any financial obstacles that attempt to get into your way. A little bit of planning can go a really long way in helping you through such a financial emergency. I have learned through experience that this is absolutely essential if you want to get past such an emergency without a lot of hassle.

Elastic Credit : New Twist on Emergency Cash Loans

www.elastic.com

Elastic is the new, more flexible way to borrow emergency cash. Use Elastic to avoid costly bank overdraft fees and payday loans.

Well.. she’s not really THAT STUDIOUS. It’s just an excuse not to clean her room which is obviously in need of REAL URGENT general cleaning..

Most people today are living pay check to pay check, especially in the current economy. People depend on being able to get paid on time in order to pay bills, buy necessities, and live a comfortable life. People usually are able to make it work without too much trouble. Sometimes, though, living pay check to pay check just doesn’t cut it. It makes it hard to save money for emergencies. Most people don’t have an emergency fund saved, so when something bad and expensive happens all of a sudden, those people have nowhere to turn.

For people with those kinds of situations, there are pay day loans. Pay day loans aren’t like loans you get from a bank. You don’t need collateral, good credit, or anything like that. All you need is a job that pays you a regular paycheck, and you can get a loan for the value of your paycheck. They come in really handy when you have surprise expenses and you can’t afford to wait until payday to get something taken care of. You also can have a few different ways to pay them back. A lot of pay day loans take the amount from your next paycheck in one pass, but some loans will let you pay them back over several paychecks.

The interest rates aren’t like a regular bank loan, either, but it’s a fair trade off for the really fast turnaround time and automatic acceptance. Pay day loans usually pay within a day, and often you can get the cash instantly after your application has been approved. It makes them perfect for emergency situations when you need to have money right away. If you’re like most people in this country and are living check to check, the time may come when you need to make use of a pay day loan service as well.

Payday Loans, Need Extra Cash, Loan before Payday – Fastwire Cash

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Very pretty, aren’t they?

I believe in getting everything that I can out of life, and, to an extent, that inevitably means stretching my money as far as it will go. Having fun is important but having fun doesn’t mean that you have to blow a lot of cash. Furthermore, when you have a truly fulfilling life, shopping is put in its proper place as a necessity that people have to do from time to time.

Stretching my family’s money means setting a budget that we can adhere to. It wouldn’t do much good to set one that tested our limits too much. Then we would just falter and soon give up on the idea of budgeting at all.

When I started making my family’s budget, I spent a month keeping track of everything that we bought. I included everything from cups of coffee to the payments that we send the auto insurance company. After a month, I couldn’t believe how much money we were wasting on things that did very little to enhance our lives.

Once you know where your money goes, you can start trimming the fat. We saw how much money we spent on dining out, so we cut back to once a week. Then we saw how much money we spent going to the movies, so we chose to start having family movie nights at home. These are cheap alternatives that make a lasting difference.

My husband and I wanted to know how to save properly too, so we met with a financial advisor who thought that we should concentrate on saving for retirement. At first we argued that it was important for us to save for our children’s education. He agreed that such things were important but reminded us that there aren’t any grants or student loans for retirement.

It’s an exercise that I recommend to anyone wanting to get on a better track.