Sunday, January 2, 2011

FREE Credit Report

Do you check your credit report?  Do you know that you can get a report for free from all 3 credit reporting agencies?  Yah, I know there are sources out there that say they are free, but you have to pay this monthly surcharge, this is not one of those.  They are 100% FREE.  Promise!  I will mention, you do have to pay to learn your credit score, but that is optional.  I have done that once, but typically do not do that unless I am interested in learning the figure for some important reason (like to help me with a purchase), but currently, I am not looking to purchase anything on credit (such as a house or car) so its of no value to me! 

So...before you forget, go get your report at www.annualcreditreport.com.  Click one or all three reporting agencies and view your report.  Mark your calendar to do this again next year. 

TXTng & DRVng...IT CAN WAIT

If you are like me, you like to text.  You can send a quick message without interrupting someone on the phone.  They can respond when they have time.  Or do they?  Do they feel they need to send you a reply ASAP?  I do.  So if you are like me, you have developed a bad habit of texting and driving at the same time, you multitask and get as many things done at the same time.  Last year an awful video clip went around about a girl who text messaged while driving and was killed.  It was graphic as to her face, the bleeding, the screams of her friends in the car, etc.  I won't put that video clip in this post because it is a tough one. 

In March 2010, AT&T created a docmentary for the "Don't Text & Drive" Campaign.  Watch it here.  What are your thoughts now after watching that? 

I personally have done much better at texting & driving since I saw that graphic video last year, but it helps me to be reminded of my commitment and desire to support AT&T (yes, even though I am a Verizon customer) in their "Don't Text & Drive" Campaign.

If you are a texter, may I ask you to pledge never to text and drive?

Saturday, January 1, 2011

YearInReview for 2010

I subscribe to Seth Godin's blog and he has a lot of great thoughts, many many times.  This post was one of those and has intrigued me to reflect on my year for 2010.  He states:  "This might be a useful exercise. Doesn't matter whether it was a hit or not, it just matters that you shipped it."  I plan to do this post both on my personal and business blogs.


Here's a basic list from the 2010 year with some of the highlights in my personal life:
  • met my 6 months emergency fund goal this year for both general bills and medical bills
  • hired someone to create a fake red brick wall in my living room, something I have always wanted in my house!
  • lost my job in August 2010, which in turn taught me I can live on the basics and be very happy
  • had my brother here in Texas for one full year and spent time reconnecting with him after 10 years & helping him try to work thru issues
  • started the Allergy Shot program after testing last November 2009 to improve immune system
  • took a random day off work and spent it being lazy with one of my girlfriends
  • had two big garage sales that created enough income to make my house payment
  • went and saw The Sound of Music singalong movie
  • did the zip line at Beaumont Ranch with a girlfriend
  • gave 10% of my gross income to Charity
  • read/listened to 2 books a month
  • learning there are a lot of things in life you can't fix or change, Let Go


Here's a basic list from the 2010 year with some of the highlights in my business life:
  • logo was finalized and stationary produced
  • website was launched March 2010
  • created a business blog with weekly articles
  • started attending Networking events in August, have met some really great business people to refer to and coordinate business with
  • was offered and accepted a Board Member position with Cowtown Netweavers
  • was offered and accepted Treasurer position with Network for Enterprising Woman
  • obtained 3 additional Clients, all which utilize my business services PRN
  • business revenue down 15%, with net profits just the same as last year even with increased marketing expenses
  • gave a speech 10.22.2010 @Networking for Enterprising Woman on my life
  • gave a speech 11.03.2010 @Cowtown Netweavers on What Is Success?
  • gave Dave Ramsey's book Financial Peace Revisited to every attendee at the networking meeting on 12.01.2010 @Cowtown Netweavers with the goal to inspire each person to be Debt Free
  • gave Dave Ramsey's book Financial Peace Revisited to every Client & Client's staff as a year end gift with the goal to inspire each person to be Debt Free


Seth's suggestion: 
"You'll probably be surprised at how much you accomplished last year. Go ahead and share with your friends, colleagues or the web... don't be shy."  So I challenge you to do the same!


If that is not for you...try this:
The Simple Dollar, another blog that I follow, suggests:  
Think of the five best things that happened in 2010. What were the best things that happened in your life this year? What new relationships did you build? What ones did you reaffirm? What goals did you achieve? What changes occurred in your life that put you in a better place?


I would love to hear your thoughts...please share with me as I have done with you!

2011 Goals & Resolutions

Each Year, I create my list of Goals & Resolutions for both personal and business goals, but the last 2 years I started publishing them on my blog also.  In 2009 I also did quarterly updates on my blog as to what type of progress I had made towards this goal.  In 2010, I only did 2nd quarter & 4th quarter updates.  If you wish to review 2009 Goals & Resolutions or 2010 Goals & Resolutions, click on the links, you can search for the quarterly updates too.  I had 5 goals in 2009 and 10 for both personal and business in 2010. This year, I am creating only 5 as I felt I had better results with less.

personal goals

#1 create and implement Balance in all areas of the wheel of life (spiritual, physical, intellectual, family, social, career, and financial - each of these have goals within them listed below):

spiritual
begin each day in prayer that God direct me in my path & integrity of my heart; read a chapter or some of favorite verses; remember Sunday is renew your spirit day, no business work stuff

physical
commit to a workout schedule 3-4 times weekly; log into sparkpeople.com daily; resume diet with no wheat, sugar or trans fats - eating lots of raw vegetables; take all vitamins & supplements daily; get 8hrs or more of sleep which means I have a set schedule when I go to bed & when I get up each day

intellectual
read 2 and/or listen to 2 audio books a month, at minimum; blog about each with a book review highlighting my nuggets and take-aways

family
spend an evening every two weeks at the home of someone I consider my family (since I don't have family in Texas)

social
email a few of my friends weekly; call a few of my friends once a month; write my friend in prison once a month; entertain company once a month on Saturday night or Sunday afternoon; schedule a lunch date weekly with a girlfriend

career
focus on building the business with 1-3 new clients in 2011 (more on this section below)

financial
pay off 2nd mortgage by the end of 2011; keep budget simple at basics; try to implement the $3 a day/$1 a meal food budget; will resume scheduled savings when more clients or other work is obtained (savings was cut to a minimum with the loss of my job in August 2010)


#2 motto for the casa: A Place for Everything & Everything in its Place (borrowing a quote from the Pottery Barn catalogue a few years ago)
which means organize, cull, condense, minimize, sell or use up things in & around the casa - attack a section of a room for 15-20minutes a day; weekly list items on eBay & Craigs List.


#3 lead a quiet life, one that creates peace; remove anything that doesn't contribute to this


#4 Think on Good Things...don't be negative


#5 Schedule one weekend a month off - just for me, creating me time or fun plans



business goals

#1 obtain 3 new Clients this year with the goal of one a quarter


#2 complete design of business marketing materials: postcard & brochure by February 1st, 2010


#3 Home Office remodel will be completed by mid-January 2011


#4 enroll in accounting courses to further education -spring 2011; take a course in Microsoft Office to learn more about graphs and pivots


#5 review EntreLeadership materials quarterly for refreshment & encouragement (rehearse, execute, review); check in with EntreLeadership friends to motivate, encourage, gather ideas, share and cheer each other on success;  review & define motivation, delegation, responsibility, accountability, and authority in my position so that I have a clear picture in view to stay focused on what I expect of me & my team

its a new year...

This is a great week to give thanks for things, people, and events in your life. Recognize the wealth you have in relationships, health, beautiful surroundings, and spiritual hope. And no matter what is happening in your job/life right now - approach the New Year as a new beginning. Maybe now is your time to simply give thanks for a new opportunity.

Monday, December 27, 2010

Quotes

It's not about winning or losing, but love and respect.
— Max Lucado

Sunday, December 26, 2010

day trip to Houston

Today I went to Houston with Jackie & Isabel.  We left a little earlier than normal as Isabel was spending the night at Blair's and so we needed to pick her up on our way out of town.  I was pretty tired, so I stopped at Starbucks in Hillsboro to get a venti vanilla chai tea...one of my favorites there!  We made good time and they dropped me off at Panera Bread while they went on to see Modesto.  I took my laptop, a book and knitting with me, so I was all ready for some chill time and knew that I might even sneak a nap in the comfy leather chair.  Well, I did my 30minutes of computer work before the internet at Panera kicked me off (they only allow you 30 minutes between the hours of 11.30am - 01:30pm) and then decided I was so tired, I would curl up and sleep in my chair.  I did, for 1.5hrs!  Can you imagine what they thought of me all curled up there sleeping away like I knew nothing???  Well, it felt REALLY good wonderful...lovely...heavenly!  I then got me some soup & salad, which was yummy.  I decided I would knit, but that didn't last very long and I went back to sleep for another 30 minutes till Jackie called me and said they were on their way back.   I ordered them some food and then we hit the road after they got there.  We made decent time and really didn't have too much traffic inspite of it being a Holiday weekend.  I went straight to bed upon arriving home.  So far, I have managed to keep away the sickness going around...I don't want it!

Friday, December 24, 2010

What does this picture say to you?


Someone posted this on Facebook and I thought it was very interesting and a good thought to reflect on.  Here are a few comments:

When one door closes, another one is already open on your way to achieving your goals... But, you must go through the first one to get started!

Doors of opportunity are endless!!!

God never closes a door and then never fails to open a new one for us.

 Endless opportunity is reached with hard work down what may be a long trek.

MY COMMENT:  We all have a journey ahead of us. God provides a clear path, but sometimes we take detours along the way. The journey requires that we keep looking forward to the goal!


So...you want to answer the question?

Thursday, December 23, 2010

A story...Planting the Seed

A successful Christian business man was growing old and knew it was time to choose a successor to take over the business.  Instead of choosing one of his directors or his children, he decided to do something different. He called all the young executives in his company together.

He said, 'It is time for me to step down and choose the next CEO. I have decided to choose one of you.' The young executives were shocked, but the boss continued. 'I am going to give each one of you a SEED today - one very special SEED. I want you to plant the seed, water it, and come back here one year from today with what you have grown from the seed I have given you. I will then judge the plants that you bring, and the one I choose will be the next CEO.'

One man, named Jim, was there that day and he, like the others, received a seed. He went home and, excitedly, told his wife the story.  She helped him get a pot, soil and compost and he planted the seed.  Everyday, he would water it and watch to see if it had grown.

After about three weeks, some of the other executives began to talk about their seeds and the plants that were beginning to grow. Jim kept checking his seed, but nothing ever grew. Three weeks, four weeks, five weeks went by, still nothing. By now, others were talking about their plants, but Jim didn't have a plant and he felt like a failure.  Six months went by--still nothing in Jim's pot. He just knew he had killed his seed.  Everyone else had trees and tall plants, but he had nothing.  Jim didn't say anything to his colleagues, however.  He just kept watering and fertilizing the soil - He so wanted the seed to grow.

A year finally went by and all the young executives of the company brought their plants to the CEO for inspection. Jim told his wife that he wasn't going to take an empty pot. But she asked him to be honest about what happened. Jim felt sick at his stomach. It was going to be the most embarrassing moment of his life, but he knew his wife was right. He took his empty pot to the board room. When Jim arrived, he was amazed at the variety of plants grown by the other executives. They were beautiful--in all shapes and sizes. Jim put his empty pot on the floor and many of his colleagues laughed, a few felt sorry for him!

When the CEO arrived, he surveyed the room and greeted his young executives.  Jim just tried to hide in the back.  'My, what great plants, trees, and flowers you have grown,' said The CEO.  'Today one of you will be appointed the next CEO!' All of a sudden, the CEO spotted Jim at the back of the room with his empty pot. He ordered the financial director to bring him to the front.

Jim was terrified. He thought, 'The CEO knows I'm a failure!  Maybe he will have me fired!' 

When Jim got to the front, the CEO asked him what had happened to his seed - Jim told him the story.  The CEO asked everyone to sit down except Jim. He looked at Jim, and then announced to the young executives, 'Behold your next Chief Executive!  His name is Jim!'

Jim couldn't believe it. Jim couldn't even grow his seed. How could he be the new CEO, the others said?  Then the CEO said, 'One year ago today, I gave everyone in this room a seed. I told you to take the seed, plant it, water it, and bring it back to me today.  But I gave you all boiled seeds; they were dead - it was not possible for them to grow. All of you, except Jim, have brought me trees and plants and flowers.  When you found that the seed would not grow, you substituted another seed for the one I gave you. Jim was the only one with the courage and honesty to bring me a pot with my seed in it. Therefore, he is the one who will be the new Chief Executive!'


If you plant honesty, you will reap trust

If you plant goodness, you will reap friends

If you plant humility, you will reap greatness

If you plant perseverance, you will reap contentment

If you plant consideration, you will reap perspective

If you plant hard work, you will reap success

If you plant forgiveness, you will reap reconciliation

If you plant faith in Christ, you will reap a harvest


So, be careful what you plant now; it will determine what you will reap later.

I was cleaning out emails and found this that was sent to me several years ago...thought it was too good not to share. 

Wednesday, December 22, 2010

verse to reflect on...

VERSE:
Those who hope in the Lord will renew their strength. They will soar on wings like eagles; they will run and not grow weary, they will walk and will not be faint.  -Isaiah 40:31

THOUGHT:
It is easy for us to live victoriously for the Lord when we soar on the wings of eagles. It can be exciting when we run and don't grow weary in the work of the Lord, buoyed by his power and presence. But it often takes heroes to keep walking and not faint when trying times come. Keep on walking brother and sister. The Lord is there when you most fear he has forgotten you!
http://www.heartlight.org/cgi-shl/todaysverse.cgi?day=20100623


I need to think about this verse, seriously stop and ponder it.  I must remember God is with me because I must admit, lately, I have felt so all alone.  So in a fight against life, but no strength to fight and press on.  I have been frustrated...loosing heart...grieved...and questioning everything and asking an unanswerable question, why?  My focus is not where it needs to be.  May God give me the courage to stop and listen to Him and remember that He is with me!

the truth exposed means...

Dilbert (Monday, September 13, 2010)
A friend sent this to me...

Monday, December 20, 2010

my soul is grieved...

I texted Terry today and he ended up calling me.  He was very, very, very down.  I asked questions and he either didn't answer or I had to d...........rrrrrrraaaaaaa...aaaaaaaagggggggggggggggggggggggggggg them out of him.  Seriously, it was an awful conversation.  I don't know why he bothered to call if he didn't want to talk.  I learned he got into drugs again on the 14th of this month and was gone and didn't return back home until the 16th.  Mom & Dad would not let him get his clutch on the car fixed, so he sold it for $250 and took some other funds to total $400 and bought drugs.  While he was gone, Mom & Dad took all his belongings into the house and have locked the house and won't let him in.  They state it is in case he doesn't pay rent this month, mind you, they have all his disability money and won't give him any.  I am not saying that he is being a responsible 29 year old, but I am saying their actions are wrong and fraud.  Since when can you steal someone's things?  Really???  He is depressed, very low.  The lowest I have ever had him be so far with me. 

My soul is grieved.

My heart is torn.

I have cried...and cried some more.

I want him to succeed, but no that the choice is not mine.  It is his life.  He has to live it, I can't and until he surrenders to God, life is going to only get harder.

I am realizing, I have another phase to "Letting Go".

Again...another request for Prayers. Prayers for Terry.  Prayers for me.

Quotes

Laughter is the sun that drives winter from the human face.
-Victor Hugo

Thursday, December 16, 2010

how to paint metal

Okay, my cousin is always giving these tutorials on how she does things, so I thought I would give you mine this time too! 


I had these metal bins that I wanted to paint, (see post here on the completed project) and so this is how I did it. No I didn't research the "right way to do it", I just did it my way.


1.  Empty out bins of objects and dust off inside & out.
2.  Create space in garage to be able to spray paint the project. Lay plastic and put items on plastic.





3.  Spray with a matte grey metal primer. 
4.  Let dry.
5.  Spray your desired finish color.
6.  Let dry.
7.  Touch up or spay 2nd layer of finished color depending on what look you are trying to achieve.
8.  Let air dry overnight.
9.  Bring back in and setup in place and put your junk stuff back in the bins!
10. Enjoy your completed project that took you 6 years to do!

Quotes

Watch your thoughts; they become words.
Watch your words; they become actions.
Watch your actions; they become habits.
Watch your habits; they become character.
Watch your character; it becomes your destiny.

- Frank Outlaw

Wednesday, December 15, 2010

verse to reflect on...

My soul, wait silently on God alone, for my expectation is from Him.  Psalm 62:5

Monday, December 13, 2010

Quotes

Feed your fears and your faith will starve. Feed your faith, and your fears will.
— Max Lucado

Saturday, December 11, 2010

the only picture...

this is the only picture that I have of Terry & I during the time he was here in Texas, December 4, 2009 to November 26, 2010, taken by Margaret.  I regret this, very much...but can do nothing to fix it now.  We talked about getting our picture taken together a few times as the only other picture that I have of us is when he came to visit me in 2003 or 2004 for a week.  It was taken on the fireplace hearth at Uncle Gib & Auntie Con's.  He made the comment a few times that he wanted to get a new one as that one had bad memories.  The reason it did was because the shirt he was wearing in that picture was the same shirt he was wearing when he attempted suicide in May 2010 and they ripped it off of him when giving him medical treatment.  I can't blame him for wanting new memories and only fault myself for not making more of an effort to get one taken.  I have a camera, but it sits in its case in the drawer more than it gets "used".  I do have memories in my head and can envision those, but to have one as proof would have been a nice thing.  Take a lesson from my regret...make picture memories!

Wednesday, December 8, 2010

verse to reflect on...

"where your treasure is, there will your heart be also"...and your feet will follow.

CHECK OUT the giveaway!!!

There is a cute "etched on my heart" giveaway going on here at the Twig.  Go check it out!!!