Category Archives: Thankful Mom

I’m trying to post something thankful every day for something on Facebook. I love doing it so much that I thought I’d move to the next level. Hopefully, I remember to let you know what I’m thankful for on the next 365 days on Mama.

How to Qualify for an Installment Loan with Bad Credit

With bad credit, you are considered to be a high-risk customer by major lending institutions and major banks. These lenders will only give you a loan if you have a good credit score. Due to your bad credit, you might think that you can only get a loan from sources that charge high interest rates. There are alternate options available. What options do you have? Here are a few options and tips.

Visit Credit Unions

The only difference between credit unions and banks is that credit unions are owned by members, not shareholders. These members usually have common interest. You can come across a credit union for members who come from a certain region or working in the same industry. Since they are non-profit institutions they offer loans at low interest rates.

A credit union, especially one that is community-based or one that is associated with your employer, will listen to you even if you have bad credit. Visit several credit unions and compare the interest rates before you make a final decision.

Ask for a Loan from Family or Friends

Your family and friends will not look at your credit score for them to lend you. When your friend or relative agrees to give you a loan, treat it like a business transaction. Document the transaction by having a written agreement. The agreement should clearly show the interest rate, loan terms, and the consequences of not paying the debt. Refusing to pay a loan from family or friends is worse than having bad credit. To maintain on good terms with your friends and family pay the loan on time.

Find a Co-Signer

You’ve tried credit unions, family and friends, but have not been successful. What do you do? Look for someone who has good credit and trusts that you can repay the loan. Having a qualified co-signer willing to help since the lender will set terms based on the good credit of your co-signer. The co-signer will also be responsible for the loan if you default on payments.

Because the record of payments will be on both of your credit reports, defaulting or paying late will damage your co-signer’s credit along with yours. To improve your credit score, you will need to make timely payments so that you can get loans in future without a co-signer.

Repair your bad credit

There are instances where bad credit listings are placed on your file without adherence to the law. You can choose to correct the errors on your own or with the help of a credit repair specialist. Not all credit repair specialists are genuine due to some disrupting the reputation of the industry by running scams.

To correct a bad listing on your own you will need to have a copy of your current credit report. Review your report and look for mistakes. If you find an error, contact the listed credit bureau/s so that the bad listing can be removed. With the questionable item removed you will improve your chances of loan approval.  In the meantime as you are rebuilding our credit you may be able to apply with a loan company that can work with you.  Some websites even offer loans with no credit check.

Be honest

Ask a lender to spare some time and have an in-person interview with you. Being honest, especially when questioned on red flags in your credit history, might help you convince the lender to give you a loan. If you get the interview, prepare any documents that will prove that you can repay a loan. With evidence that you have previously paid off loans, the lender may be swayed to work the loan terms over for possible approval.

Conclusion

With the above options and tips, you can seek out options for installment loans even with poor credit. Having bad credit is a problem, but is not a hindrance to getting an installment loan.

Expressing the unspoken thoughts between children and their fathers


Thank You Dad: 100 Reasons Why I Am Grateful for You

“I know I always looked up to my father when I was young,” writes best-selling author Gregory E. Lang, “but I’m also sure that usually I did a good job of hiding it. Like many children and teenagers, as I was growing up, I was mostly interested in doing what Iwanted to do. Sometimes that put me in conflict with Dad. I’m pretty sure I didn’t notice how hard he worked to provide for me and to support our family, and I’m pretty sure I never gave much thought to how his example provided me with much of what I would need once I left home and went out on my own.”Lang has learned the most about what his dad did for him by being a father himself. As he looks out for his teenage daughters, he realizes that he is now doing for them what was done for him. As in his relationship with his own dad, at this point in their lives his daughters take for granted much of what he does for them.

Thank You, Dad is Lang’s thank-you to his dad for how his father’s example has guided and inspired him. He simply says, “Dad, you have been my inspiration and my example. Because of you, I know what it means to be a father and a man.” His words touch all of us, expressing the unspoken thoughts between all children and their fathers.

“Thank you for helping me take care of the things I couldn’t handle by myself.” “Thank you for standing by me when times were touch for me.” “Thank you for setting limits when I needed them.” “Thank you for showing your pride in me.” “Thanks for requiring me to respect authority.” “Thank you for teaching me to be a good sport, win or lose.” “Thank you for all those times you carried me on your shoulders.”

Thank You, Dad is a gift book for anyone who wants to thank the special man in their life and to tell him how important he will always be. In so many ways, all of us build our lives upon what we have learned from our fathers.

From the Publisher

Gregory E. Lang lives in suburban Atlanta, Georgia. His other books include the New York Times bestsellers Why a Daughter Needs a Dad, Why a Son Needs a Dad, and Why a Daughter Needs a Mom as well as Why a Son Needs a Mom, Why I Love You, Why We Are Friends, Life Maps, and Why We Are a Family.

Forevermore you would be my most thankful thing


The Most Thankful Thing
Kindergarten-Grade 4-After a mother tells her daughter that she’s remembering everything she has to be thankful for, the child pulls out Mama’s scrapbook and asks, “-what are you the very most thankful for?” The ensuing story follows the two as they page through the woman’s memories. The girl expects each entry to be Mama’s most thankful thing-a camp experience, winning a soccer trophy, her first job, getting married-and Mama’s refrained response is that it wasn’t her most thankful thing. Ultimately, Mama describes holding her child for the first time, saying, “-forevermore you would be my most thankful thing.” The comical captions on the cartoon-style “photographs” appear in handwritten lettering to fit the scrapbook layout. The warm words and pastel illustrations are playful representations of a child, teen, and young woman’s memories. This is a wonderful, reassuring read-aloud for storytime and for individual sharing.

PreS-Gr. 1. The girl who narrates this breezy picture book tries to guess what her mother is most thankful for in her “whole long, long, long life.” Leafing through a big scrapbook, she stops to consider the possibilities as Mama reminisces about the high points in her past. The pictures show her at summer camp, on a soccer team, on stage, at her prom, in a college musical, at her first job, and in her wedding. The child is heartened to discover her mother’s “most thankful thing.” What might have been a sticky-sweet ending is kept palatable and reassuring in a child-centered way thanks to the light touch used by McCourt and Moore, who previously collaborated on I Love You, Stinky Face (1997) and several other books. The use of a black background on the scrapbook pages is an effective device, setting the photos apart from the other scenes, nicely reinforcing the notion that mothers have lives before parenthood, sure to be a new idea for some children. Carolyn Phelan

 

This review is from:  A. Watson “mom, wife, daughter, sister, and n… (Atlanta) –

My daughter checked this book out from her school library and I started reading it to her without knowing I had something so special in my hands! By the last page I was in tears and so choked up it took me about half of a minute to regain my composure to finish the story. This is a heartwarming book that I am here on Amazon tonight to buy to keep for me and my daughter for now and for when she is all grown up, do not pass up this book, an instant classic! This is probably my new favorite children’s book.

A Parents Lesson From Hurricane Irene

When I woke up on Monday August 29, the day after hurricane Irene, I looked out the of the window and saw the most beautiful, picture perfect weather. I began wondering if the whole hurricane was just a bad nightmare. But when I took a stroll outside the evidence of reality was right there staring at me. A massive tree was uprooted, large bodies of water in many places and when I tried to go down the road, wow was it a mass! Trees and branches all over the place, wires hanging from poles it was just a sight for sore eyes!

But it seems we had the better part of it as I spoke to friends from other cities I saw how lucky I was. So many people still without power and water, so many houses flooded and not to forget those who so tragically lost their loved ones from this devastation.

So as a parent I was thinking of the lesson we learned from this hurricane and how we can be more prepared the next time we get pounded by such occurrences.

1- Always have an emergency radio ready in case of power outages.  
These are some good radios to consider

2- Educate yourself and teach you kids what hurricanes are all about and
how to be prepared and protected.
Here are some recommendations of books on the subject of hurricanes

3- Prepare replacement supplies that may be hard to find during an extended recovery period.
Food, drinking water, and safe lodging
Vital supplies such as medicine, clothing, etc.
Child care, especially if schools are closed

4- If you want to spend a bit to have a backup for your electricity, it’s a
good idea to buy an
electric generator
.

5- Some other things that’s always good to have in case of emergencies are:
First Aid Kits
, Flashlight, Emergency Disaster Preparedness Survival Kit
Do yourself and your family a favor and buy them today.

 

How much preparation is enough?

You cannot stop or expect all disasters, so you should prepare for them. Knowing where to go and what critical functions need to
be restored can give self-assurance to you and your children when responding to a disaster. Identifying possible threats, assessing their potential impact, assigning priorities, and developing planned responses are the basic values of sound planning.

Read more here on how a Mom Should Prepare for a Hurricane

Emergency Preparedness Basics – Are You Prepared for a Disaster?

If you have spent any time watching the news in the past decade, you’ve probably also spent some time thinking about what would happen if a major disaster happened in your area. You may even have taken a look at disaster preparedness information. Perhaps you purchased a standard 72 hour emergency preparedness kit a few years ago and are pretty sure it is in the hall closet behind the golf clubs. Then, if you are like most people, you probably put the whole thing out of your mind.

So, are you being foolish or careless the way some “preppers” I’ve talked to say you are? I don’t think so. I am not a prepper, either – just a person who spent a week without utilities after a hurricane once. Major natural disasters or man made catastrophes like a nuclear plant failure are very scary things for people to think about and it is perfectly natural to want to think about nice things instead. After all, you know there is no real way to be completely ready for every possible danger and you could stress yourself out pretty badly by trying. However, if you push past your uneasiness and do some real planning and preparing, you can have the peace of mind that comes with knowing that you can keep your family fed, warm and hydrated during most possible disasters. Here are a few basic emergency preparedness tips that can help you prepare for possible disasters in your area.

Know the Possible Dangers in Your Area

If you are near a nuclear power plant, on a fault line, or located in tornado alley, you should definitely prepare for related disasters. It makes sense to have a storm shelter when you are likely to see tornadoes or to have a clear understanding of what to do if the power plant has a leak. I live near a big dam and have familiarized myself with warning sirens, how to find out how many gates are going to be opened when there’s a big rain storm and what to do if there is an evacuation.

Have an Up to Date Emergency Preparedness Kit

 
Quakehold! Grab N Go Emergency Kit via amazon.com

Buying a standard 72 hour emergency preparedness kit is a great start if you have the money to buy it. If you need a kit for each member of a large family, it can be a little pricey, though. You can put them together yourself by following the CDC guidelines and shopping for bargains on the different supplies. Once you have the kit, you should add copies of all your important papers, a good pocket knife, a supply of essential medications, dry socks and underwear and some cash. I also think a thumb drive with copies of precious digital family photos on it is a nice addition.

Once you have a kit for each member of your family, put them in a safe, easy to access place. A lot of people put a wheeled trash can in the coat closet or somewhere else close to the door and stack them in it. Then, check the kits every six months to be sure that none of the food has expired. You should also rotate out any water bottles for fresh water and should check to be sure that you have at least a three day supply of current medications in them.

Meet the Most Important Part of Any Plan

Knowing you can handle life for a few days if something does go wrong sure goes a long way toward helping you feel less fearful, huh? Planning is important, but, to me, the most important thing is knowing that God is with me in any situation. Psalm 46:1 KJV says “God is our refuge and strength, a very present help in trouble.” While you are gathering supplies, meditate on this verse and remember that you don’t need to put together your emergency preparedness kit from a place of fear. Being prepared is sensible and helps responders allocate precious resources to people who don’t need them. It allows you to spend some time praying for others when a disaster strikes instead of hunting down the kids’ birth certificates in case the flood waters rise. I consider it good stewardship and a wise choice for people living in disaster prone areas.

Do you have an emergency preparedness kit for your family?

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Your Family Isn’t Ready For A Terrorist Attack, Hurricane, Flood, or Tornado!

Will They Survive? If The Government Collapsed Tomorrow
Can You Feed & Protect Them?

Will They Die Because Yaou’re Not Ready?

Get The “Survive-Anything Course”

How to survive anything may seem like a stretch, but here’s what I mean by survive anything:  Be totally ready for ANY major disasters, whether it’s a hurricane, tornado, flood, civil war or even terrorist attack.

Sounds like a tall order (and it is), but together, George & I have put together a course that leaves nothing to chance.  Even if you’ve never dealt with a major disaster before.

Here’s what’s included:

  • The single most important thing your family needs (after a plan) in the event of a hurricane, tornado, flood, or civil war.
  • Shortcut method to navigate your way through total chaos in half the time a normal commute takes – even if you’re in New York City!
  • Easiest way to figure out exactly how much prep work you need to do.  You’ll see that when you get organized the exact way George talks about, it’s almost as easy to prepare for a year  as it is for a month!
  • Don’t experience devastating “Survivor’s Guilt” that can hit minutes after a catastrophe, and be totally debilitating. It left people from Katrina wishing they were dead.  This is vital for your children!
  • Understand exactly what the starving mob of people is thinking, and how to remove any chance of them taking your food by force.  The best part is it involves no violence (although you’ll learn how to deal with people forcibly if need be.)
  • The first thing you need to do when you hear a tornado siren (not what the government wants!).

Bonus Guides!

24 Hour Family Safety
Quickstart Guide

You don’t have any time to waste.  Between life now, and your concern for your family, I’ve made it quick for any man to get the bare essentials down.  Even if you do nothing else, please take these steps.

They’ll help you:

  • Have complete peace of mind in your family’s safety – whether you’re at home or not.
  • Invest one day (or a weekend at the most) and turn your home into a veritable survival fortress.  Looters and terrorists won’t even know what’s hit ‘em!
  • Why the food your wife buys normally is perfect for your family’s survival – and what to stock-up on next time you go to the store!  (You’ll never guess the reason – I didn’t!)

 

30 Days+ Extended
Survival Manual

(No One Likes to Talk About This!)

Unfortunately, disasters like hurricanes, tornados, and civil unrest don’t have a convenient timeframe.  They don’t pack up and go home just because you ran out of food.

So, you need to learn:

  • How to create a 30 minute routine that will help keep you and your family happy for the rest of the day – even if you haven’t showered or eaten a hot meal in days!
  • My most used disaster tool, that I keep on my counter!  It’ll increase the storage life of anything from fruit to toothpaste!  (The money this will save you in everyday life more than pays for this entire course!)
  • The big difference between a disaster with well water and city water – and how your food completely depends on it! Plus, how to be totally safe with either!
  • How to know if an expired food is safe, or if it’s going to kill you.

Mobile Survival Kit
Packing List

Disasters don’t wait until you get home to strike, and they sure as heck don’t give warnings.  You must be prepared at all times.

That said, you need to keep your life running like normal as long as you can, and know that you’re ready to survive at the first sign of serious trouble by keeping your Mobile Emergency Gear ready…

Here’s what that means:

  • Get your “Bug Out Bag” ready for anything life can throw at you!  If you do nothing else, please do this!
  • How an Altoids tin can save your life!  (You read right, this is the truth)
  • Pack tools for surviving in the big city, or the wild – while keeping it easy to carry and lightweight (under 40 pounds!)
  • A few critical items to help you survive extreme heat and cold!
  • Turn your car into a mobile survival kit in under 30 minutes – when you think about where you spend most of your time, you’ll realize how important this is!

 

Get The “Survive-Anything” Today

 

365 Days of Thankfulness #8

Today, I’m thankful that I have both my arms and legs. I can’t imagine feeling terrible pain in toes I no longer have as so many people who have lost a leg say they do. I know it sounds a little Pollyanna, but I truly am glad I feel pain and look down and actually see my fingers or toes, you know? You might be thinking this is a really weird thing to be thankful for, but I was talking to a soldier a few weeks ago and then read a book about someone who lost a leg during a childhood accident last night and…well, arms and legs are something we shouldn’t take for granted. A whole lot of veterans are missing limbs. So are many victims of drunk drivers. People who’ve been in hiking accidents or work related mishaps. People with diabetes related amputations, like my Grandma Thomas. Kids who did silly stunts like playing with firecrackers.

Suddenly, they’re dealing with physical pain and frustration, people who act like they lost their ability to think along with their limb or that it is somehow contagious and having to navigate through a world where too many people forget that a lot of other people can’t just walk through a narrow path between objects. It takes a ton of courage and perseverance for them to just get up and go out the door in the morning.

Not having to find that courage, not having to re-learn how to walk or how to open doors after I get a new prosthetic limb…As far as I’m concerned, that’s really something to be thankful for.

So, what are you thankful for today?

365 Days of Thankfulness #5 – Chickens Don’t Always Cross the Road

It is a simple thing, but today I am thankful for it nonetheless. One of the kids’ chickens jumped over the fence and stayed right on the other side trying to get back in instead of running off to cross the road. Of course, the silly critter couldn’t figure out that she needed to hop back over and kept trying to walk through the wire instead. I finally was able to herd her through the gate and back to the other side, where there was a joyful reunion.

You know what? It reminded me of something I read in Luke 15 – the parable of the lost lamb. All that clucking and fussing in the coop over one silly hen who was just on the other side of the fence and was finally back where she belonged must pale in comparison to the rejoicing the angels do over one sinner who was saved, huh?

So, what are you thankful for today?

365 Days of Thankfulness #4 – a Clean Stove

Today, I’m thankful for a clean stove. I worked really hard to get it that way, so here’s hoping no one gets a wild urge to bake something messy in the next few hours! It is nice to be able to enjoy the shiny white surface for a bit after all the work, you know?

Now, you’re thinking I’ll start talking about how cleanliness is next to Godliness, right? Well, I don’t recall actually seeing that in the Bible, but it is nice to be clean. Nope. What I remember is the leper coming to Jesus in Matthew 8 and asking to be made clean. Then, Jesus reached out and touched him and he was healed immediately. I bet he had a lot to be thankful for that day!

How about you? What are you thankful for today?