Tidbits & Stuff

Tips and advice for making every day a little easier

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Tidbits & Stuff

Scams, Fraud and the Elderly

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Elderly FraudIt is extremely unfortunate that there are groups of people who prey upon senior citizens.  These unscrupulous people worm their way into the lives of the elderly and pretend to become their friends.

These scam artists are particularly effective with lonely senior citizens who live by themselves.  Their grown children no longer live nearby, many of their friends and relatives have passed away leaving them with a huge emotional gap in their lives.

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Timely Bill Payment is Crucial for Improving Credit Score

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Past DuePaying your bills on time is probably one of the most important habits to get into if you want to improve your credit score. As much as 35% of your credit rating is based on your bill payment history. Your credit can take a big hit if you’re constantly late on your bills.

If you’re having a difficult time paying your bills on time, that’s a red flag. It’s time for you to look at your budget to see why you can’t meet the deadline. Is it because you’re over extended? Is it because you have a poor bookkeeping system? Is it because you just forget?

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Children and Cell Phones: When is the Right Time to Buy Your Child a Cell Phone?

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There comes a time in every family's life when a decision has to be made.  The life changing decision is:  Is Junior responsible enough to have a cell phone?

This is not an age old question.  It's one of those questions that are faced by this generation but were not faced by the prior generation.  In the prior generation, the question was: Is Junior responsible enough to have a phone in her room? Or, could Junior have a TV in her room?

Today, it seems that the average family spends more money on cell phones than landlines.  Partial thanks goes to the phone companies, as they no longer having a monopoly and can't get away with charging outrageous monthly phone rates anymore.  The rest of the thanks goes to the ever growing ever improving cell phone technology.

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If You Are Not Happy with Your Life Change It

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Are you the type of individual that loves getting up everyday to enjoy a commute to the office? Do you enjoy having to wear the corporate uniform? What about being allocated an entire 60 minutes to eat lunch and for smokers, the occasional 15 minutes to smoke?

Wait, I'm not done yet. Do you enjoy requesting time off? Think about it, your child is sick, your pet has vomited on your carpet and your car's get up and go got up and went. Don't you enjoy calling your boss trying to make your story sound believable in order to take the day off? Of course, you know when you return, all eyes will be looking at you wondering if your child was really sick, your dog actually vomited or your car, well you know.

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Are We Any Better than Tiger Woods?

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On February 18, 2010, Tiger Woods made a public apology for his behavior.  Just in case you were in a coma or on the moon and haven't heard of Tiger's situation, here's a brief synopsis:

Tiger Woods, a world class golfer, fooled around on his wife for many years with many women.  I'm not sure how many women there were, but you needed more than one hand to count them all.  He had year long relationships with these women.  It became a very public embarrassment.  So much so that he pulled away from golf indefinitely.

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