ATTORNEY'S ADVICE - Print and save for reference

In this time of fraud and identity theft, it's better to be prepared. Here is some useful info.


ATTORNEY'S ADVICE - NO CHARGE



Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company:

1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'


2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.


3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.


4. Place the contents of your wallet on photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel.. Keep the photocopy in a safe place.


I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a Name, address, Social Security number, credit cards..


Unfortunately, I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.


But here's some critical information to limit the damage in case this happens to you or someone you know:


5. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.


6. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).


But here's what is perhaps most important of all: (I never even thought to do this.)


7. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraud line number.. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name.


The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit..


By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks..



Now, here are the numbers you always need to contact about your wallet, if it has been stolen:

1.) Equifax: 1-800-525-6285 1-800-525-6285

2.) Experian (formerly TRW): 1-888-397-3742 1-888-397-3742

3.) Trans Union : 1-800-680 7289 1-800-680 7289

4.) Social Security Administration (fraud line):
1-800-269-0271 1-800-269-0271




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The Minister's Wife

A Minneapolis couple decided to go to Florida to thaw out during a particularly icy winter. They planned to stay at the same hotel where they spent their honeymoon 20 years earlier.

Because of hectic schedules, it was difficult to coordinate their travel schedules. So, the husband left Minnesota and flew to Florida on Thursday, with his wife flying down the following day.

The husband checked into the hotel. There was a computer in his room, so he decided to send an email to his wife. However, he accidentally left out one letter in her email address, and without realizing his error, sent the email.

Meanwhile, somewhere in Houston , a widow had just returned home from her husband's funeral. He was a minister who was called home to glory following a heart attack.

The widow decided to check her email expecting messages from relatives and friends. After reading the first message, she screamed and fainted.

The widow's son rushed into the room, found his mother on the floor, and saw the computer screen which read:

To: My Loving Wife

Subject: I've Arrived

Date: April 27, 2009

I know you're surprised to hear from me. They have computers here now and you are allowed to send emails to your loved ones. I've just arrived and have been checked in.

I've seen that everything has been prepared for your arrival tomorrow. Looking forward to seeing you then!!!! Hope your journey is as uneventful as mine was.

P. S. Sure is freaking hot down here!!!!

Credit Repair va

The Charlie Schulz Philosophy

(This is marvelous!! Scroll thru slowly and read carefully to receive and enjoy full effect.)


The following is the philosophy of Charles Schulz, the creator of the 'Peanuts' comic strip.


You don't have to actually answer the questions. Just ponder on them. Read the post straight through, and you'll get the point.


1. Name the five wealthiest people in the world.

2. Name the last five Heisman trophy winners.

3. Name the last five winners of the Miss America pageant.

4 Name ten people who have won the Nobel or Pulitzer Prize.

5. Name the last half dozen Academy Award winners for best actor and actress.

6. Name the last decade's worth of World Series winners.



The point is, none of us remember the headliners of yesterday.

These are no second-rate achievers.

They are the best in their fields.

But the applause dies..

Awards tarnish.

Achievements are forgotten.

Accolades and certificates are buried with their owners.



Here's another quiz. See how you do on this one:


1. List a few teachers who aided your journey through school.

2. Name three friends who have helped you through a difficult time.

3. Name five people who have taught you something worthwhile.

4. Think of a few people who have made you feel appreciated and special!!

5. Think of five people you enjoy spending time with.


Easier?


The lesson:


The people who make a difference in your life are not the ones with the most credentials...

the most money...or the most awards.

They simply are the ones who care the most.


Pass this on to those people who have made a difference in your life, like I did.

'Don't worry about the world coming to an end today. It's already tomorrow in Australia!'


''Be Yourself. Everyone Else Is Taken!"





Credit Repair va

5 Ways To Kill Your Credit Scores

By Liz Pulliam Weston

One of the questions I'm asked most often about credit scores is exactly how much certain actions affect people's scores.


What good is a good credit score?

Until now, the best I could do was say, "It depends." That's because the company that created the leading credit score, the FICO, has been wary about releasing specifics.

Fortunately, that just changed. At my request and for the first time, the company (also known as FICO) has released details about how specific actions, from maxing out a credit card to filing for bankruptcy, can affect people with different credit scores.

I asked the company to compute the results of those actions for two examples: a person with a 780 score, which is an excellent score on the 300-to-850 FICO scale, and someone with a 680 score. The results:


Effect on a 680 score Effect on a 780 score

Maxed-out card
-10 to -30
-25 to -45

30-day late payment
-60 to -80
-90 to -110

Debt settlement
-45 to -65
-105 to -125

Foreclosure
-85 to -105
-140 to -160

Bankruptcy
-130 to -150
-220 to -240


Source: FICO

The results are given in a range because FICO is still a little nervous about revealing too much about its proprietary scoring. But the range is fairly tight, and we can clearly see the disparate impacts of the different actions.


A Guide, Not a Guarantee.

Before we go further, I have to make this clear: Your mileage may vary.

People with the same credit score can have very different credit profiles: more or fewer accounts, a different mix of accounts, a longer or shorter credit history, use of more or less of their available credit, etc.

Because of those differences, the same action -- maxing out a card, say -- can have different effects on people with the same score, depending on the details of their individual credit profiles.

For the sake of this exercise, FICO assumed both people had several active major credit cards as well as a mortgage, a car loan and student loans.


The person with the 780 score:

Has at least 10 credit accounts in total and a 15-year credit history.
Uses 15% to 25% of her credit card limits.
Has no late payments on her credit reports.
Has no collection accounts or other major negatives.
The person with the 680 score:

Has six credit accounts and an eight-year credit history.
Uses 40% to 50% of her credit card limits.
Was 90 days late on an account two years ago.
Was 30 days late on another account one year ago.


Here's what you need to know about each action and the effect it had:


1. Maxing out a credit card

Using 100% of your limit on any credit card puts you at risk of over-limit fees. It also takes a bite out of your credit score.

Our person with the 680 score might lose 10 to 30 points from this one action, while the 780 scorer could shed 25 to 45 points.

The difference points up an important fact: The higher your score, the more points you tend to lose from "bad" actions. That's because the scoring formula is sensitive to any sign you're getting in over your head. Maxing out a credit card is considered one of those signs.

You also should know that it typically doesn't matter to the formula if you carry a balance or pay off that maxed-out card as soon as you get your statement. What's usually reported to the credit bureaus is the balance on your last statement. Even if you pay the debt in full before the due date, the maxed-out card will hurt your score.


2. Skipping a payment

Mailing a payment a few days late normally won't hurt your score, although you may incur late fees and trigger higher interest rates. The big hurt comes when you miss a payment cycle entirely.

A 30-day-late report would shave 60 to 80 points from our lower-scoring person and 90 to 110 points from our higher scorer. In other words, one lapse of attention could plunge the 680-scorer into subprime credit territory, and our 780-scorer could find credit much harder to get and more expensive.

This is why it's so important to set up automatic payments to ensure your bills get paid on time, all the time. With credit cards, you can set up automatic payments that take the minimum payment out of your checking account to ward against a late payment. You can always make a second payment that reduces your debt or pays it off entirely. You can sign up for automatic payments on the Web site of your card issuer.


3. Settling a credit card debt

All the advertisements about "settling your debt for pennies on the dollar" make debt settlement sound like a great solution. But failing to pay what you owe a creditor will take a serious toll on your score.

The 680 scorer would lose 45 to 65 points with this maneuver, while the 780 scorer would shed 105 to 125 points.

Our scenario assumed that our borrowers would miss one payment before settling the debt with their credit card companies. In reality, debt settlement negotiations can drag on much longer, with each missed payment taking another chunk out of your score.

Settling a debt with a collection agency would hurt less, probably much less, because the FICO formula is set up to weigh more heavily what the original creditor says about you than what a collection agency reports. But if our borrowers were settling with a collection agency instead, their scores would be lower to begin with, because they would have collection accounts on their records.

Also, you should know that the amount of debt your creditor "forgives" in a debt settlement solution is typically added to your taxable income. So you may save some money by settling a debt, but you'll give some of it back to Uncle Sam in higher taxes.


4. Losing a property to foreclosure

Foreclosure deals a severe blow to your credit score: 85 to 105 points for our person with the 680 score and 140 to 160 points for the one with the 780 score.

Foreclosures have implications for your future ability to get a mortgage as well. Although your score may start to improve as soon as the house is gone, mortgage lenders may not be willing to extend you another home loan until two to four years have elapsed.

In an attempt to protect their credit, many people attempt short sales, selling their houses for less than what's owed, with the lenders' permission. Unfortunately, these transactions, even if successful, are often reported as settlements. And a settlement, as you've seen, is pretty bad for credit scores.

To lenders, a short sale isn’t quite as bad as a foreclosure, though, and it may be easier to get another mortgage once you’ve rebuilt your credit.


5. Filing for bankruptcy

FICO spokesman Craig Watts once called bankruptcy the nuclear bomb of credit actions. Filing for bankruptcy would shave 130 to 150 points from the 680 score and 220 to 240 points from the 780 score.

This is different from the other black marks, where the higher scorer was still left with better numbers than the lower scorer. In this case, both would wind up near the bottom of the credit barrel. Getting new credit, particularly in the current credit-crunch environment, would be extremely tough.

Sometimes, of course, bankruptcy is the best of bad options. (See "Quiz: Should you file for bankruptcy?") But if you can't pay your bills, you should at least explore the other possibilities: forbearance, credit counseling or even debt settlement.


Finally, if you have any of these five black marks on your record, remember two things: The impact on your score may differ from what's shown above, and regardless of how many points you lost, you can rebuild your FICO score over time.

You can buy your Equifax or TransUnion FICO score from MyFICO.com. (Experian no longer sells FICO scores to consumers, although it continues to sell the scores to lenders.) With paid scores, you'll get specific advice about how to improve your numbers.

myFICO May Sale - Save 20% on FICO scores & credit reports




In general, when you're trying to build a credit score, you should:


1. Pay your bills on time, all the time.

2. Reduce your credit utilization; below 30% is good, below 10% is better.

3. Have a mix of credit on your reports, including installment loans (mortgages, auto loans and personal loans) and revolving accounts (credit cards and lines of credit).

4. Refrain from closing accounts.

5. Apply for new credit sparingly.








Tags: Automotive Finance, F&I, Finance & Insurance,
Credit Repair va

ATTORNEY'S ADVICE - NO CHARGE

Not A Joke!!

Even If you dislike attorneys..You will love them for these tips.

Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice! A corporate attorney sent the following out to the employees in his company:


1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'


2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.


3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have It printed, anyone can get it.


4. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel.. Keep the photocopy in a safe place.

I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a Name, address, Social Security number, credit cards..

Unfortunately, I, an attorney, have first hand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.

But here's some critical information to limit the damage in case this happens to you or someone you know:


5. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.


6. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).

But here's what is perhaps most important of all: (I never even thought to do this.)


7. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security fraud line number.. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name.

The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit..

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done.

There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert.

Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks..


Now, here are the numbers you always need to contact about your wallet, if it has been stolen:


1.) Equifax: 1-800-525-6285

2.) Experian (formerly TRW): 1-888-397-3742

3.) Trans Union : 1-800-680 7289

4.) Social Security Administration (fraud line):
1-800-269-0271


We pass along jokes on the Internet; we pass along just about everything.

If you are willing to pass this information along, it could really help someone that you care about.


GO TO THE MOTHER'S WISDOM HOMEPAGE:


__________________________________________________


Tags: F&I blog, Credit Repair, credit repair va, credit repair blog

Always Pick Up Pennies - A New Perspective

You always hear the usual stories of pennies on the sidewalk being good luck, gifts from angels, etc. This is the first time I've ever heard this twist on the story. Gives you something to think about.....




Several years ago, a friend of mine and her husband were invited to spend the weekend at the husband's employer's home. My friend, Arlene, was nervous about the weekend. The boss was very wealthy, with a fine home on the waterway, and cars costing more than her house.

The first day and evening went well, and Arlene was delighted to have this rare glimpse into how the very wealthy live. The husband's employer was quite generous as a host, and took them to the finest restaurants. Arlene knew she would never have the opportunity to indulge in this kind of extravagance again, so was enjoying herself immensely.

As the three of them were about to enter an exclusive restaurant that evening, the boss was walking slightly ahead of Arlene and her husband. He stopped suddenly, looking down on the pavement for a long, silent moment.

Arlene wondered if she was supposed to pass him. There was nothing on the ground except a single darkened penny that someone had dropped, and a few cigarette butts. Still silent, the man reached down and picked up the penny.
He held it up and smiled, then put it in his pocket as if he had found a great treasure. How absurd! What need did this man have for a single penny? Why would he even take the time to stop and pick it up?

Throughout dinner, the entire scene nagged at her. Finally, she could stand it no longer. She casually mention ed that her daughter once had a coin collection, and asked if the penny he had found had been of some value. A smile crept across the man's face as he reached into his pocket for the penny and held it out for her to see.. She had seen many pennies before! What was the point of this? 'Look at it,' he said. 'Read what it says.' She read the words ' United States of America .' 'No, not that; read further.'
'One cent?' 'No, keep reading.'
'In God we Trust?' 'Yes!' 'And.... ?'

He explained, 'And if I trust in God, the name of God is holy, even on a coin. Whenever I find a coin I see that inscription. It is written on every single United States coin, but we never seem to notice it! God drops a message right in front of me telling me to trust Him. Who am I to pass it by? When I see a coin, I pray, I stop to see if my trust IS in God at that moment. I pick the coin up as my response to God; that I do trust in Him. For a short time, at least, I cherish it as if it were gold. I think it is God's way of starting a conversation with me. Lucky for me, God is patient and pennies are plentiful! '

When I was out shopping today, I found a penny on the sidewalk. I stopped and picked it up, and realized that I had been worrying and fretting in my mind about things I cannot change. I read the words, 'In God We Trust,' and had to laugh. Yes, God, I get the message.

It seems that I have been finding an inordinate number of pennies in the last few months, but then, pennies are plentiful! And, God is patient..

===================

Thought for today:

If God had a refrigerator, your picture would be on it..
If He had a wallet, your photo would be in it.
He sends you flowers every spring.
He sends you a sunrise every morning
Face it, friend - He is crazy about you!

Send this to every 'beautiful person' you wish to bless.


GO TO THE MOTHER'S WISDOM HOMEPAGE:


__________________________________________________


Tags: F&I blog, Credit Repair, credit repair va, credit repair blog

Church Bulletin Mistakes

The Fasting & Prayer Conference will include meals.
--------------------------

Weight Watchers will meet at 7 PM at the First Presbyterian Church. Please use large double door at the side entrance.
--------------------------

Ladies, don't forget the rummage sale. It's a chance to get rid of those things not worth keeping around the house. Bring your husbands.
--------------------------

Remember in prayer the many who are sick of our community. Smile at someone who is hard to love. Say 'Hell' to someone who doesn't care much about you.
--------------------------

Don't let worry kill you off - let the Church help.
--------------------------

Miss Charlene Mason sang 'I will not pass this way again,' giving obvious pleasure to the congregation.
--------------------------

For those of you who have children and don't know it, we have a nursery downstairs.
--------------------------

Next Thursday there will be tryouts for the choir. They need all the help they can get.
--------------------------

Irving Benson and Jessie Carter were married on October 24 in the church. So ends a friendship that began in their school days.
--------------------------

A bean supper will be held on Tuesday evening in the church hall. Music will follow.
--------------------------

At the evening service tonight, the sermon topic will be 'What Is Hell?' Come early and listen to our choir practice.
------------------------

Eight new choir robes are currently needed due to the addition of several new members and to the deterioration of some older ones.
--------------------------

Scouts are saving aluminum cans, bottles and other items to be recycled. Proceeds will be used to cripple children.
--------------------------

Please place your donation in the envelope along with the deceased person you want remembered.
--------------------------

The church will host an evening of fine dining, super entertainment and gracious hostility.
--------------------------

Potluck supper Sunday at 5:00 PM - prayer and medication to follow.
--------------------------

The ladies of the Church have cast off clothing of every kind. They may be seen in the basement on Friday afternoon.
--------------------------

This evening at 7 PM there will be a hymn singing in the park across from the Church. Bring a blanket and come prepared to sin.
--------------------------

The pastor would appreciate it if the ladies of the Congregation would lend him their electric girdles for the pancake breakfast next Sunday.
--------------------------

Low Self Esteem Support Group will meet Thursday at 7 PM. Please use the back door.
--------------------------

The eighth-graders will be presenting Shakespeare's Hamlet in the Church basement Friday at 7 PM. The congregation is invited to attend this tragedy.
--------------------------

The sermon this morning: 'Jesus Walks on the Water.' The sermon tonight: 'Searching for Jesus.'
--------------------------

The Associate Minister unveiled the church's new campaign slogan last Sunday: 'I Upped My Pledge - Up Yours.


GO TO THE MOTHER'S WISDOM HOMEPAGE:


__________________________________________________


Tags: F&I blog, Credit Repair, credit repair va, credit repair blog

To All The Kids Who Survived The 1930's, 40's, 50's, 60's and 70's

First, we survived being born to mothers who smoked and/or drank while they were pregnant.


They took aspirin, ate blue cheese dressing, tuna from a can and didn't get tested for diabetes.


Then after that trauma, we were put to sleep on our tummies in baby cribs covered with bright colored lead-base paints.


We had no childproof lids on medicine bottles, locks on doors or cabinets and when we rode our bikes, we had baseball caps not helmets on our heads.


As infants & children, we would ride in cars with no car seats, no booster seats, no seat belts, no air bags, bald tires and sometimes no brakes.


Riding in the back of a pick- up truck on a warm day was always a special treat.


We drank water from the garden hose and not from a bottle.


We shared one soft drink with four friends, from one bottle and no one actually died from this.


We ate cupcakes, white bread, real butter and bacon. We drank Kool-Aid made with real white sugar. And, we weren't overweight. WHY?


Because we were always outside playing....that's why!


We would leave home in the morning and play all day, as long as we were back when the streetlights came on.


No one was able to reach us all day. And, we were O.K.


We would spend hours building our go-carts out of scraps and then ride them down the hill, only to find out we forgot the brakes. After running into the bushes a few times,we learned to solve the problem.


We did not have Playstations, Nintendo's and X-boxes. There were no video games, no 150 channels on cable, no video movies or DVD's, no surround-sound or CD's, no cell phones, no personal computers, no Internet and no chat rooms. WE HAD FRIENDS and we went outside and found them!


We fell out of trees, got cut, broke bones and teeth and there were no lawsuits from these accidents.


We ate worms and mud pies made from dirt, and the worms did not live in us forever.


We were given BB guns for our 10th birthdays, made up games with sticks and tennis balls and, although we were told it would happen, we did 0A not put out very many eyes.


We rode bikes or walked to a friend's house and knocked on the door or rang the bell, or just walked in and talked to them.


Little League had tryouts and not everyone made the team. Those who didn't had to learn to deal with disappointment.


Imagine that!!


The idea of a parent bailing us out if we broke the law was unheard of. They actually sided with the law!


These generations have produced some of the best risk-takers, problem solvers and inventors ever.


The past 50 years have been an explosion of innovation and new ideas.


We had freedom, failure, success and responsibility, and we learned how to deal with it all.


If YOU are one of them? CONGRATULATIONS!


You might want to share this with others who have had the luck to grow up as kids, before the lawyers and the government regulated so much of our lives for our own good.


While you are at it, forward it to your kids so they will know how brave and lucky their parents were.


Kind of makes you want to run through the house with scissors, doesn't it ?


GO TO THE MOTHER'S WISDOM HOMEPAGE:


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How to Wash a Toilet

1 . Put both lids of the toilet up and add 1/8 cup of pet shampoo to the water in the bowl.

2. Pick up the cat and soothe him while you carry him towards the bathroom.

3. In one smooth movement, put the cat in the toilet and close the lid. You may need to stand on the lid.

4. The cat will self agitate and make ample suds. Never mind the noises that come from the toilet, the cat is actually enjoying this.

5. Flush the toilet three or four times. This provides a 'power-wash' and rinse'.

6. Have someone open the front door of your home. Be sure that there are no people between the bathroom and the front door.

7. Stand behind the toilet as far as you can, and quickly lift the lid.

8. The cat will rocket out of the toilet, streak through the bathroom, And run outside where he will dry himself off.

9. Both the commode and the cat will be sparkling clean.



Sincerely,

The Dog




GO TO THE MOTHER'S WISDOM HOMEPAGE:


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DAD AT THE MALL

I took my dad to the mall the other day to buy some new shoes (he is 92).

We decided to grab a bite at the food court.

I noticed he was watching a teenager sitting next to him.... The teenager had spiked hair in all different colors: green, red, orange, and blue.

My dad kept staring at him.



The teenager would look and find him staring every time.

When the teenager had had enough, he sarcastically asked, 'What's the matter old man, never done anything wild in your life?'

Knowing my Dad, I quickly swallowed my food so that I would not choke on his response, knowing he would have a good one, and in classic style he did not bat an eye in his response.

"Got drunk once, and had sex with a peacock. I was just wondering if you were my son."


GO TO THE MOTHER'S WISDOM HOMEPAGE:


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Tags: F&I blog, Credit Repair, credit repair va, credit repair blog

AN ATHEIST IN THE WOODS

An atheist was walking through the woods.

'What majestic trees!

'What powerful rivers!

'What beautiful animals!

He said to himself...

As he was walking alongside the river,he heard a rustling in the bushes behind him.

He turned to look. He saw a 7-foot grizzly bear charge towards him.



He ran as fast as he could up the path. He looked over his shoulder & saw that the bear was closing in on him..

He looked over his shoulder again, & the bear was even closer.

He tripped & fell on the ground.

He rolled over to pick himself up but saw that the bear was right on top of him, reaching for him with his left paw & raising his right paw to strike him.

At that instant the Atheist cried out,

'Oh my God!'



Time Stopped.

The bear froze.

The forest was silent.

As a bright light shone upon the man, a voice came out of the sky.

'You deny my existence for all these years, teach others I don't exist and even credit creation to cosmic accident.'

'Do you expect me to help you out of this predicament?

Am I to count you as a believer?



The atheist looked directly into the light, 'It would be hypocritical of me to suddenly ask you to treat me as a Christian now, but perhaps you could make the BEAR a Christian'?

'Very well,' said the voice.

The light went out. The sounds of the forest resumed. And the bear dropped his right paw, brought both paws together, bowed his head & spoke:

'Lord bless this food, which I am about to receive from thy bounty through Christ our Lord, Amen.'


GO TO THE MOTHER'S WISDOM HOMEPAGE:


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The Miracle of Personal Development

by Jim Rohn

One day Mr. Shoaff said, "Jim, if you want to be wealthy and happy, learn this lesson well: Learn to work harder on yourself than you do on your job."

Since that time I've been working on my own personal development. And I must admit that this has been the most challenging assignment of all. This business of personal development lasts a lifetime.

You see, what you become is far more important than what you get. The important question to ask on the job is not, "What am I getting?" Instead, you should ask, "What am I becoming?" Getting and becoming are like Siamese twins: What you become directly influences what you get.

Think of it this way: Most of what you have today you have attracted by becoming the person you are today.

I've also found that income rarely exceeds personal development. Sometimes income takes a lucky jump, but unless you learn to handle the responsibilities that come with it, it will usually shrink back to the amount you can handle.

If someone hands you a million dollars, you'd better hurry up and become a millionaire. A very rich man once said, "If you took all the money in the world and divided it equally among everybody, it would soon be back in the same pockets it was before."

It is hard to keep that which has not been obtained through personal development

So here's the great axiom of life:

--TO HAVE MORE THAN YOU'VE GOT, BECOME MORE THAN YOU ARE--

This is where you should focus most of your attention. Otherwise, you just might have to contend with the axiom of not changing, which is:

--UNLESS YOU CHANGE HOW YOU ARE, YOU'LL ALWAYS HAVE WHAT YOU'VE GOT--


To Your Success,
Jim Rohn


Pink Dreams and Cadillac Wishes,

Nancy LaPlante: When your passion and your purpose are greater than your fear and excuses, you will find a way! ~ author unknown


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Real Mothers

Real Mothers don't eat quiche; they don't have time to make it.

Real Mothers know that their kitchen utensils are probably in the sandbox.

Real Mothers often have sticky floors, filthy ovens and happy kids.

Real Mothers know that dried play dough doesn't come out of carpets.

Real Mothers don't want to know what the vacuum just sucked up.

Real Mothers sometimes ask 'Why me?' and get their answer when a little
voice says, 'Because I love you best.'

Real Mothers know that a child's growth is not measured by height or years
or grade...It is marked by the progression of Mommy to Mom to Mother...


The Images of Mother

4 YEARS OF AGE - My Mommy can do anything!
8 YEARS OF AGE - My Mom knows a lot! A whole lot!
12 YEARS OF AGE - My Mother doesn't really know quite everything.
14 YEARS OF AGE - Natu rally, Mother doesn't know that, either.
16 YEARS OF AGE - Mother? She's hopelessly old-fashioned.
18 YEARS OF AGE - Th at old woman? She's way out of date!
25 YEARS OF AGE - Well, she might know a little bit about it!
35 YEARS OF AGE - Before we decide, let's get Mom's opinion.
45 YEARS OF AGE - Wonder what Mom would have thought about it?
65 YEARS OF AGE - Wish I could talk it over with Mom.


The beauty of a woman is not in the clothes she wears, the figure that she carries, or the way she combs her hair. The beauty of a woman must be seen from in her eyes, because that is the do or way to her heart, the place where love resides. The beauty of a woman is not in a facial mole, but true beauty in a woman is reflected in her soul. It is the caring that she lovingly gives, the passion that she shows, and the beauty of a woman with passing years only grows!


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What if John McCain had been elected president?

Before we throw Barack Obama under the bus for giving a prominent role to a conservative pastor, let’s imagine the reaction if things were reversed.

By Chris Crain

What if John McCain had been elected president? I know the idea is a bit of a throwback, considering the shellacking the Arizona septuagenarian got from the Illinois senator with the funny name. But just imagine for a minute.

Conservatives would be gleeful, Sarah Palin would be on cable news 24-7 (actually, that happened anyway), and President-elect McCain would be planning his inauguration. Then imagine, in a conciliatory gesture toward Obama supporters, McCain selects Gene Robinson, the openly gay Episcopal bishop, to give the invocation. In a nod to his own supporters, he chooses the evangelical leader Rick Warren to give the benediction.

We know what the response would be. The Republican right would be furious: What a kick in the teeth from McCain to choose a minister whose elevation was an indictment of their core religious beliefs, and who advocates the destruction of traditional marriage and the murder of millions of aborted fetuses!

Gay rights groups and bloggers, still reeling from Obama’s unexpected defeat, would be cheered by McCain’s unexpected and courageous attempt at reconciliation. Press releases from progressives would defend McCain against charges of betrayal, chastising conservatives for their intolerance and their insistence on dividing, not unifying. Besides, they would point out, the benediction will come from Rick Warren, who opposes gay marriage and supported Proposition 8 in California.

You see where I’m going here? We know that, happily for us, history unfolded in opposite fashion, and Barack Obama chose Rick Warren to give his inaugural invocation, and civil rights hero Joseph Lowery, who supports full marriage equality, to say the benediction.

Yet the response from many gay bloggers and rights groups has been every bit as reactionary and intolerant as the Republican right would have been toward Robinson. Aren’t we better than that?

Can’t we see how any meaningful attempt by President-elect Obama to unify the country must include McCain voters, including the 31 million who bought Warren’s best-seller “The Purpose-Driven Life,” and the additional millions who agree with gay marriage opposition?

Can’t we keep our eyes on the prize? This inauguration will install the most pro-gay president, by far, in the history of this country. If reaching out to conservatives buys Obama some additional political capital, that is to our great benefit.

Aren’t we the ones who have argued till we are blue in the face for the separation of church and state? It’s always been a core part of our movement to oppose any attempt by one set of Americans to demand their religious views receive official favor, or that those with contrary views be excluded.

And yet here we are, basically demanding the president-elect remove one minister from his role in a public ceremony because of his religious beliefs and replace him with one whose beliefs we find more acceptable. Are we proving we are no better, when we have access to power, than our conservative opponents?

The misuse of public ceremonies to show official favor for one group over another runs afoul of the First Amendment’s “establishment clause,” which prohibits the establishment of an official religion, or from sending signals that some faith groups or views are preferred over others by government.

That’s why the courts won’t permit sectarian prayers in public schools, and why we no longer have manger scenes at Christmas time in front of city hall. That’s also why Roy Moore, the virulently anti-gay chief justice of the Alabama Supreme Court, was booted from office after he insisted on a Ten Commandments monument in the courthouse rotunda.

To be fair, it is partly Obama and Warren’s fault that church and state are entangled here. The president-elect’s decision to include inaugural prayers at all, while noncontroversial and in keeping with tradition, opened the door to this debate. What’s more, marriage as an institution is a conflation of church and state, “vesting power” in ministers to officiate at a religious ceremony with civil legal effect.

Warren makes matters worse by basing his opposition to gay marriage and support for Proposition 8 on his own religious beliefs about homosexuality. If you think about it, exclusionary marriage laws are also contrary to the First Amendment, since the primary intent -- repeated by politicians and pastors alike – is to preserve “the sanctity of marriage.” The government ought not be choosing which faith group’s views about marriage will be enshrined in the law or excluded from public ceremonies.

Those of us so exorcised by the idea of Warren saying a two-minute prayer would be much better served by arguing for church-state separation, in marriage laws and public ceremonies, than by demanding the president-elect show favor to friendlier religious beliefs.

Chris Crain is former editor of the Washington Blade and five other gay publications and now edits GayNewsWatch.com. He can be reached via his blog at www.citizencrain.com


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The Little Red Hen - Old story w/ this year's twist.

THE LITTLE RED HEN

The Little Red Hen called all of her neighbors together and said, 'If we plant this wheat, we shall have bread to eat. Who will help me plant it?'

'Not I,' said the cow.

'Not I,' said the duck.

'Not I,' said the pig.

'Not I,' said the goose.

'Then I will do it by myself,' said the little red hen, and so she did. The wheat grew very tall and ripened into golden grain.

'Who will help me reap my wheat?' asked the little red hen.

'Not I,' said the duck..

'Out of my classification,' said the pig.

'I'd lose my seniority,' said the cow.

'I'd lose my unemployment compensation,' said the goose.

'Then I will do it by myself,' said the little red hen, and so she did.



At last it came time to bake the bread.

'Who will help me bake the bread?' asked the little red hen.

'That would be overtime for me,' said the cow.

'I'd lose my welfare benefits,' said the duck.

'I'm a dropout and never learned how,' said the pig.

'If I'm to be the only helper, that's discrimination,' said the goose.

'Then I will do it by myself,' said the little red hen.

She baked five loaves and held them up for all of her neighbors to see. They wanted some and, in fact, demanded a share. But the little red hen said, 'No, I shall eat all five loaves.'

'Excess profits!' cried the cow. (Nancy Pelosi)

'Capitalist leech!' screamed the duck. (Barbara Boxer)

'I demand equal rights!' yelled the goose. (Jesse Jackson)

The pig just grunted in disdain. (Ted Kennedy)

And they all painted 'Unfair!' picket signs and marched around and around the little red hen, shouting obscenities.

Then the farmer (Obama) came. He said to the little red hen, 'You must not be so greedy.'

'But I earned the bread,' said the little red hen.

'Exactly,' said Barack the farmer. 'That is what makes our free enterprise system so wonderful. Anyone in the barnyard can earn as much as he wants. But under our modern government regulations, the productive workers must divide the fruits of their labor with those who are lazy and idle.'

And they all lived happily ever after, including the little red hen, who smiled and clucked, 'I am grateful, for now I truly understand.'

But her neighbors became quite disappointed in her. She never again baked bread because she joined the 'party' and got her bread free. And all the Democrats smiled. 'Fairness' had been established.

Individual initiative had died, but nobody noticed; perhaps no one cared...so long as there was free bread that 'the rich' were paying for.

EPILOGUE:

Bill Clinton is getting $12 million for his memoirs.

Hillary got $8 million for hers.

That's $20 million for the memories from two people, who for eight years, repeatedly testified, under oath, that they couldn't remember anything.

IS THIS A GREAT BARNYARD OR WHAT?


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3 Tips to Choose the Best Credit Repair Service

By Link Robertson

Many credit repair services make it sound as if all you have to do is pay them and your credit report will be fixed. However this is not true, below is a criteria you should use when choosing a service.

Do Not Pay Large Fees

Many services will charge large upfront fees. Instead look for more standard rates such as $179 for a start up fee and then a monthly fee of $100 or less. Some services will charge per action, I do not suggest this as your fees can add up quickly to more than $100 / month.

Also you should avoid a company that says you must make a large upfront payment, these companies are typically not effective services and are looking to make a quick buck at your expense.

Look For Refunds Not Guarantees

Credit repair can not be guaranteed, esspecially upfront. This is similar to a defense attorney guaranteeing that you will be found innocent of a criminal charge - IT CAN NOT BE DONE

I strongly suggest you avoid any service that make a guarantee, instead look for a refund policy or warranty. Many good services will offer a refund if their service is ineffective or you are not satisfied.


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One of Abraham Lincoln's GREAT QUOTES

"You cannot help the poor by destroying the rich.

You cannot strengthen the weak by weakening the strong.

You cannot bring about prosperity by discouraging thrift.

You cannot lift the wage earner up by pulling the wage payer down.

You cannot further the brotherhood of man by inciting class hatred.

You cannot build character and courage by taking away men's initiative and independence. You cannot help men permanently by doing for them, what they could and should do for themselves."



Abraham Lincoln

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Even God Enjoys a Good Laugh

There were 3 good arguments that Jesus was Black:

1. He called everyone brother
2. He liked Gospel
3. He didn't get a fair trial

But then there were 3 equally good arguments that Jesus was Jewish:

1. He went into His Father's business
2. He lived at home until he was 33
3. He was sure his Mother was a virgin and his Mother
was sure He was God

But then there were 3 equally good arguments that Jesus was Italian:

1. He talked with His hands
2. He had wine with His meals
3. He used olive oil

But then there were 3 equally good arguments that Jesus was a Californian:

1. He never cut His hair
2. He walked around barefoot all the time
3. He started a new religion

But then there were 3 equally good arguments that Jesus was an American Indian:

1. He was at peace with nature
2. He ate a lot of fish
3. He talked about the Great Spirit

But then there were 3 equally good arguments that Jesus was Irish:

1. He never got married.
2. He was always telling stories.
3. He loved green pastures.

But the most compelling evidence of all - 3 proofs that Jesus was a woman:

1. He fed a crowd at a
moment's notice when there was virtually no food
2. He kept trying to get a message across to a bunch of men who just didn't get it
3. And even when He was dead, He had to get up because there was still work to do

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The Heaviest Element Known to Science Discovered

Lawrence Livermore Laboratories has discovered the heaviest element yet known to science.



The new element, Governmentium (Gv), has one neutron, 25 assistant neutrons, 88 deputy neutrons, and 198 assistant deputy neutrons, giving it an atomic mass of 312.

These 312 particles are held together by forces called morons, which are surrounded by vast quantities of lepton-like particles called peons.

Since Governmentium has no electrons, it is inert; however, it can be detected, because it impedes every reaction with which it comes into contact. A tiny amount of Governmentium can cause a reaction that would normally take less than a second, to take from 4 days to 4 years to complete.

Governmentium has a normal half-life of 2- 6 years. It does not decay, but instead undergoes a reorganization in which a portion of the assistant neutrons and deputy neutrons exchange places. In fact, Governmentium's mass will actually increase over time, since each reorganization will cause more morons to become neutrons, forming isodopes.

This characteristic of morons promotion leads some scientists to believe that Governmentium is formed whenever morons reach a critical concentration. This hypothetical quantity is referred to as critical morass.

When catalysed with money, Governmentium becomes Administratium, an element that radiates just as much energy as Governmentium since it has half as many peons but twice as many morons.

Prayer can move mountains, why not Obama?

This came to me from a dear friend and prayer warrior in Arizona - not only is she a strong Christian, but she has been involved in presidential campaigns back as far as Ronald Regan (maybe even before then - that's how long I have know her) - this is not some "internet circulating" email - it is from Elizabeth's own heart and well worth our heeding as Christians.

From: ELIZABETH ROHN-NELSON
Subject: Prayer can move mountains, why not Obama?

Being dismayed recently when a family member of mine said to me with great resignation that Obama will take the presidency. These words came from someone who in the past has been a
great prayer warrior.

What is happening was my question??? Why are we Christians settling and not issuing a battle cry and falling to our knees and taking our country back?

We allow ourselves to be stripped of the right to pray at school functions and in school, we have the 10 commandments removed from government places and are told we cannot pray in school, all the while providing public prayer places for Muslims. What in the world is going on and why are we being apathetic?

Why aren't we praying? Our God is a mighty God who is waiting patiently for us to raise our voices to heaven to stop the tide of the anti-Christ actions in our world today. Now we find we have a
charismatic candidate for president who does not respect our flag and refuses to wear one on his lapel except when it becomes politically expedient and whose own wife and pastor that he loves
profess to have strong anti-white feelings, and we sit back and say "it is a given, we can do nothing."

There has never been a time in 2000 years that we can do nothing, never a time that we must sit back and allow the evil in men's and women's hearts to take over our world. We should be very afraid because our apathy is leading us to perdition.

It is time for all Christian Americans to raise the battle cry and take our nation back. Maybe McCain on his own cannot defeat Obama, but our God can and He will if we take to our knees in prayer and
raise a mighty cry to the heavens to "Save us O Lord." We have the power t o change the course of this election and to keep a man as suspect as Barak Obama from leading our country to who knows
where with his message of "change" - a change which I fear will be away from our Christian ideals and away from Christ and further away from one nation under God.

We are great at passing stories and pictures around the internet, but where are our prayers and prayer warriors praying to stop this tide of Barak Obama? God parted the red sea, Jesus raised
himself from the dead, and we can bring our country back to its Christian roots and stop the move to the rise of Muslims in our country. We can stop our country from being "under Allah," but we must begin to pray, to pray as if our country and our lives depended on it, because they do. We can stop all these atrocities against God's commands that have taken root in our country through something as simple as sincere prayer, a call to God to deliver us, to forgive us our sins of apathy an d to protect us from the evil that is upon us.

Okay prayer warriors, here is your challenge, start those prayer chains. Get the spiritual power working on our behalf and stop Barak Obama the proper way, by calling on our God to save us
from the deception that charismatic preaching is using to lead us on the wrong path. Stop those who would take God out of our country and our government. Raise up good men to lead us and protect us.

George Bush is being buffeted because he has fought a holy war against the evils that attack us and we should not be surprised because a prophet is not honored in his own country. But we should not rest on our laurels and allow ourselves to be taken further off the path of Christianity and to have God removed from our presence in our schools, courts, government and businesses. Invite God into the fray. Ask that His power rest upon us and give us the victory. Ask him to raise up a mighty arm y to defend us and to protect our country as he did in days of old. Let us be victorious beginning NOW. The battle is His but we must call on Him without ceasing and unite our voices and hearts in prayer and fasting.

Please pass this around to all people of prayer that you know and maybe, just maybe a more eloquent person of prayer will write something better and more inspiring and even the rocks will
shout that Jesus is Lord and our Mighty God is with us, bringing the victory for us and ultimately for Him.
"Be joyful always, pray continually, give thanks in all circumstances, for this is God's will for you in Christ Jesus."

I Thess 5:16-18