My 24 year old daughter needs an operation on her knee. She injured it while running. She runs a lot. She is a part time police officer, and running is part of her job. Because she is part time, she gets no benefits. That means no health insurance. This is not the type of injury that hits you immediately, it is something that creeps up on you over time. So we can’t prove that it was work-related and go with worker’s compensation.
She can’t work now because she can’t run. The operation is going to cost about $8500, which she can’t afford (and neither can we) because she isn’t working and has no health insurance. She can’t get a job now because of her injury, and she can’t get it fixed because she doesn’t have the money because she doesn’t have a job. Does this sound like a vicious cycle to you? Very frustrating. She’s looking for another job right now, but as I’m sure you well know the job market is pretty tough out there!
As I’m sure you can imagine, I sure would like to have a better system out there to help people like this!
Have you ever had to ship gifts across the country for a birthday or Christmas? The shipping expenses are often more than the cost of the gift itself! That’s why I’ve decided to give everyone that I have to ship gifts to a gift card instead of buying something that costs a lot to ship. I figured that way I can afford to give them the $30 to spend any way that they want instead of spending $10 on a gift and $20 on the shipping!
Maybe even cut out a picture from a magazine and include it with the card to tell them what to buy with the gift card, so they know that I had something specific picked out. And even customize the card with my smiling face on it so that they won’t just re-gift it to someone else!
My wife keeps telling me that she wants a new doorbell. She claims that she can’t hear it when someone rings it. I keep telling her that she can’t hear it because she is deaf. Well, three times this week the mailwoman has tried to deliver packages to the house and rang the bell. Everyone was home at the time, and no one heard the bell – not even the dogs. The dogs usually go wild when the doorbell goes off, and they didn’t even react. So I guess maybe I have to admit she’s right and just go get a new doorbell. I hate when that happens!
I’ve noticed that there seems to be some confusion among consumers about different types of credit services. There are many different types of services related to managing debt. There are debt management, credit repair, and debt consolidation to name a few. Many people don’t understand the differences between them. To be honest, sometimes I get confused too between them all too.
So if you are contacted by a company that offers you credit repair services and tell you that they can help you with bad credit repair, please be careful and make sure you understand exactly what services you will be getting for your money. Are they simply advising you to contact the credit agencies (or offering to contact the credit agencies on your behalf) to see if their reports are accurate and to tell them to remove any incorrect information? You can do that for free by yourself!
Are they offering to consolidate your debt by putting all of your debt and payments in one account? Sounds good – they offer to lower your monthly payments that way, but the credit experts are warning us that actually hurts your credit. And debt management – well I think that is where they try to get the credit card companies to accept less money than you owe them. The problem with that is you can’t use the credit cards anymore! And you have to come up with a large lump sum to pay off your lower debt balance, which many of us can’t do!
So, folks, be careful and make sure that you fully understand what it is you are getting into!
Don’t you just hate it when your car develops an intermittent problem? One of our cars has developed an intermittent problem with the tail and brake lights. Sometimes they work, sometimes they don’t! I’ve “fixed” them several times, only to have them stop working again, then working again, then not, repeatedly. I know that if I take it to the repair shop they will charge me at least $40 to tell me that they can’t fix an intermittent problem because it works fine when they test it. It’s enough to drive me crazy!
Business and work, General life, Health, Money and finances, Relationships | Dean | 
July 31, 2009 2:52 pm | 
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