What Are the Effects of a Bad Credit Score?

Today's guest post is about a topic dear to my heart: money. I am proud to say my hot financially smart husband and I have always paid our bills on time and so we both have amazing credit scores. I am teaching my daughters to make sure they marry a guy with a high credit score because, ladies, SECURITY IS SEXY! (and no, I was not always smart with money and there was a time in my young years when I was bouncing checks all over Kansas City, but that's a story for another day and I definitely learned from that!)

Anyway, a good credit score is what got me my dream vehicle. And a good credit score is what got us pre-approved to get our house in the country ... when it finally goes on the market and I'm hoping it's this one again and that it's a flipping STEAL!

Do whatever it takes to pay your bills on time, don't max out your credit cards and then pay them off a tiny bit at a time, don't buy more crap than you can pay for. And if you do, get yourself a second and third job and knock it out. Rant over.

Pic via Flickr

We are always being told how important it is to have a healthy credit score. But many of us don’t really understand why it is so important. If you didn’t know, your credit reports and score provide information on your financial history. This includes late repayments, applications for credit, and debts you may have. If there are too many negative factors, it can lower your score and prevent loan approvals. This can stop you from becoming a homeowner or keep you from being able to pay off your debts.

A bad credit score will affect not only your financial situation but could put areas in your personal life at risk too. If you’re not convinced that a credit score is something you should worry about, here are some negative effects you should read through.

Strain on your relationship

If you or your partner has a poor credit score, it can put a huge strain on your relationship. You might not be able to get approval for a mortgage which could mean you have to put your plans for children on hold. Or you might unintentionally lower their score by falling behind on payments on a joint loan or credit card. Your credit score might even prevent you from getting a phone contract which can stop you from communicating regularly. If you don’t attempt to boost your credit score, it’s likely your relationship will breakdown as a result. Talk to your partner openly about your score and work together to start improving it.

Pic via Pixabay

Difficulties renting a property

A bad credit score can prevent you from getting a mortgage to buy a home. But it can also stop you from renting a property too. It’s not uncommon for landlords to check the credit scores of new tenants. Those will poor scores will be considered a risk and less likely to pay their rent and bills on time. Understandably some landlords can be put off by this, and you may be limited to where you can live. If your current lease is coming to an end soon, you may need to contact fast credit repair services to see if they can assist you. Otherwise, you may find that your family has nowhere to go.

Higher interest rates

There are companies out there who pride themselves on offering loans to people with bad credit scores. While this may seem like an ideal solution, it doesn’t always work in your favor. Often these companies will offer loans with sky-high interest rates, meaning you have to pay a lot more than you initially borrowed. Many of them will have restrictions on how the money is spent and the timeline for repayment too. This is often why financial advisors will recommend against applying for a loan through these companies. If you aren’t able to abide by their terms or pay off the interest, your home and belongings could be at risk.

If you want to avoid these bad credit effects, check your score online and start improving your score if need be. Even though you may not need a loan now, you may in the future.

Never miss a post! Sign up for an email subscription to The Kerrie Show to catch all the best posts, giveaways and information on an astounding variety of topics because my brain is all over the place and I have a wide variety of guest posters!

Tips for Moving with Small Children

Today's guest post really hits home since we are looking for a new home currently! Our next-door neighbors just moved a couple of states away with seven very young children and I thought of them as I read this piece.

Tips for Moving with Small Children

Any move, whether cross country or across the street, can be tough for adults but for small children, it’s often daunting. Leaving the home they’ve grown up in, the local park they’ve spent many long summer days playing in, and the neighborhood kids they’ve grown so attached to just might be the first major change in their young lives. As the parent, you can make the transition seamless and exciting for your young ones with just a little extra love and care in this potentially scary and anxious time for a child. Follow these tips to make moving a fun family adventure:

Get the Kids Excited with a Special Family Meeting

Showing your kids your own enthusiasm, even if you’re not excited for a move, can make a big difference in how they respond. Plan a special, fun way to announce your exciting news. Consider having a family meeting over pizza, ice cream, or your children’s favorite treat, to help make the day they find out they’re moving a happy memory. Let them know why you’re moving, whether it’s for a new job, job promotion, or to be closer to family, but be prepared to listen to your children’s concerns and provide them positive reassurance and honest answers.

Research Your New Neighborhood

Get the kids excited about their new home by researching your new neighborhood. Find out where the nearest park is, the local library, and fun places, like ice cream shops. Nowadays with a smartphone, there are tons of free apps that can help you settle into your new neighborhood. The app called KidScore ranks locations on a 0-100 scale, and the ranking is solely based on how kid-friendly the places are. This app ranks restaurants, coffee shops, grocery stores, dentists and activities and attractions.  Introduce your kids to their new neighborhood by showing them the best parks, their new school, and other fun things to do.

Involve the Kids in Picking Your New Home

If you’re renting, use tools like ForRent to take a virtual tour of potential homes with your children online. Online tools are great for busy parents. After all, you can look for apartments in Houston without leaving your couch in Seattle, or getting your kids dressed. Tour your top choices and let your children share their favorite things about each place, or what they don’t like, to find the perfect place to call home. Giving your children some say in picking the place they’ll call home will help give them a sense of ownership and excitement about the moving process. 

Play Tourist in Your New City

There’s no better way to get to know a new city then by playing tourist and kids will love the feeling of being on vacation in their new hometown. Plan an outing with them around the area. Buy a guidebook or search websites, like Thrillist or Yelp, to look for fun activities, places, and restaurants to take the family.

Organize a Moving Sale

Get kids involved in the moving process by planning a moving sale, whether in your yard or through an online listing site. Let children be involved in what they want to keep, sell, or donate to help them feel some level of control in what can be a chaotic time. It can be hard for children to part with old toys so don’t shy away from a little incentive. Reward children by letting them buy new toys or decorations for their new room with the money they make at the moving sale.

Make Plans for their New Room

Make moving exciting by making plans for your children’s new room together. Let kids figure out where they want to move furniture and display their favorite toys or knick-knacks. If you’re buying them new furniture or bedding, let them help pick out the new items.

Pack a Few Favorite Toys and Activities in a Special Bag

Let your children have a special bag to keep some of their most favorite toys or activities in during the move. Keeping their favorite doll, blanket, truck, or books close and easily accessible will help them feel more secure in this transitory time as well as keep them entertained on moving day. It will also give them something to play with before you’ve unpacked all the big boxes in your new home.

Find Something Familiar

Anyone can get homesick when they make a big move, especially young children. Finding the familiar can help make kids (and adults) feel more at home. Try to recreate some of your children’s favorite activities, like going to the park or library, to help children understand that they can still enjoy the things they loved about their old home in a new place. Making connections with people in your new community can also help children, and adults, feel more comfortable and at ease in their new home. For a start, you can look up your new city’s parks and recreation department online to learn more about community groups, city events, and family programs offered in your new area. 

Say Goodbye to Favorite Places

Leaving the only neighborhood or city a child has lived in can be difficult for all involved. Talk to your children about their favorite places and plan a few days to take them to spend some time with the special places they’ll miss.

Say Goodbye to Your Old Home

Last but not least, say goodbye to your old home with your children. Take time to walk in each room and outside of the house, saying goodbye with your children as you walk along. Make a point to say a special goodbye to your children’s favorite places and things at your old home, like their bedroom, backyard, or a favorite tree. These things have life to a young child and saying goodbye can help them have closure.   

Involving children in the process and making them feel their voice matters can help make a big, sometimes scary, transition into something fun and exciting. With these tips your kids will be feeling at home in your new place in no time!

Six Signs That You Are Psychic

Today's guest post is an interesting one. I grew up in a pretty open-minded household, so when you say words like "psychic" I don't freak out. I know for a fact I have psychic abilities because I am the ONLY FLIPPING ONE IN THE HOUSE who can ever find anything when it is lost. I psychically know where things are when they are lost. I visualize them and they appear. Just kidding. I walk around praying to find them and I MOVE THINGS and I LOOK FOR THEM. Cool, huh?

Six signs that you are psychic

                Most of us have experienced unexplained things at least once during our lifetime. How many times did you have a distinctive hunch which came true later on?  Perhaps you saw death of a loved one or felt as if you could see faraway places? If these or similar things have happened to you, there is a high chance that you have psychic powers.

                Individuals with such abilities are able to see reality well beyond normal perception. Given that we are living in the 21st century, people are very skeptical, believing that this is nothing more than an empty superstition. However, keep in mind that psychic abilities are something that are mentioned in every major religion, starting from the dawn of time.

                Here are the six common signs that will help you discover whether or not you are psychic. 

1.       You know when the phone is going to ring and who is on the line

Keep in mind that, in this case, there is space for a mistake. If you are constantly keeping in touch with a same person, then this cannot be called a special power. But, if a person calls you after a long time without previous contact, you just might be psychic. Same goes for any other type of communication such as email or social network messages. In these situations, a gifted individual is able to clearly see the caller in their mind.

2.       You can feel when a member of your family is in grave danger

How many times have you heard about airplane accidents where one passenger purposely missed a flight because his wife or husband pleaded him/her not to go? Naturally, every voyage has its risks and it is normal for us to be concerned about the safety of the loved ones. But, if your inner feelings start running rampant, forcing you to prevent your loved one from taking said voyage, it is likely that you have special powers.

3.       Places which you have never visited look familiar

Some individuals have power of far sight. They are able to notice faraway places as well as hidden objects. Even though they might not realize this, they have a complete mental map of a specific house, area and city. Usually, they are not aware of this fact until they visit the mentioned place. At that moment, their previous memories will resurface. Like most other abilities, this one is initially uncontrollable and it appears randomly.

4.       You are having dreams that later on come true

We all have very vivid dreams. This is completely normal. In certain situations, individual might have a dream which feels even more realistic. To top it all off, this dream comes true after a while. Unlike other dreams, those that prophesize the future are much more different in form and are almost tangible.

5.       You can feel and learn things simply by touching another person

After shaking hands with an unknown person you are able to discover certain personal things about him such as city of origin and his profession. But, this power doesn’t only appear when touching people. It may also appear after touching an object. After that, you are able to describe its history, including information about his owner. This high level of perception is quite common for gifted people.

6.       Psychics are able to tell what is on other people’s mind

When we say that someone is psychic, first thing that we have in our mind is the fact that this individual is able to read other people’s thoughts. Now, there is a lot of room for debate. As we all know, each individual has a particular vocabulary and habits. In that regard, there are certain things which we can or cannot expect from somebody. This power pertains to individuals who are able to sense unusual behavior and out of the ordinary thoughts.

If you are manifesting one or more of these abilities, there is a high chance that you are psychic. However, you have to take it with a grain of salt. For example, if you truly wish to be psychic, you might convince yourself of this, regardless of whether or not you are right. But, in case that you truly possess special powers, you can use them to help others and make their lives better. 

How Important is Technology for Homeschooling Kids?

Today, there are more parents than ever in the US opting to homeschool their children. The reasons that parents prefer to teach their children themselves rather than send them to school vary. Some parents feel that they can offer their children a more varied or higher level of education. Others homeschool because their child has special learning needs or has been bullied in the past. While families who travel a lot, opt to homeschool to give their children some stability.

My kids and husband plus neighbor Matthew at the Johnson County Library's Makerspace event. They have learned coding but today they were making LEGO movies.

For parents who choose to homeschool, there’s a lot to navigate around. From picking the perfect syllabus to finding a teaching method that works for them. It’s not always easy being a parent who homeschools their children. However, many parents who homeschool say that technology has made it a much easier and less stressful process for them. The question is, why has technology made homeschooling easier, and how important is it?

Allows students to learn more easily

Photo from Flickr

Technology has meant that homeschooling children has never been easier. There’s a world at your fingertips online, with masses of homeschooling websites, documents, and data to use and rely on. There are websites that offer worksheets, reading suggestions, and tutorials to make homeschooling easier. It used to be a case of relying on books and worksheets, but the internet allows students to learn much more easily. For all parents who homeschool, the internet is a must. If you don’t already have internet access, you can find the current Time Warner Internet prices online. For homeschooling, the internet is a crucial tool because it gives kids access to the wider world.

Virtual learning

Image credit

As well as allowing students access to online worksheets, distance learning is another resource that can be used. For parents who can’t do all the teaching themselves, a distance learning package can be a good option. There are various syllabuses to choose from. Many of which, come with specialized tutors to help should you kids have a question or query. This means that when your children get older and into higher grades, they can continue to learn from home. For homeschoolers, virtual learning is a godsend.

Tablets and apps

Picture link

Tablets have made a lot of things easier, from entertaining kids to dealing with your accountants - there’s an app for everything. There are even effective apps for educating kids of all ages. From reading and writing to mathematics and science, there are apps for everything. A great way to help kids gain certain skills, such as mathematical skills, is with the use of apps. Even gaming apps can be educational; it’s just a case of choosing apps that help them to learn while having fun. There are also apps for reading, like the Kindle app that allows you to use your tablet like a Kindle. This can be used for fiction reading and for textbook reading. This saves you having to buy lots of textbooks as you can often get them via the Kindle store for free or for a lower price.

Technology has become essential in many parts of family life, including in homeschooling. It helps to make the process of distance learning easier and less stressful for parents, and more effective for students.

5K Runs and Walks in Kansas City: Pink Laundry Run October 1, 2016

Before I was the homeschooling writer mom of 5, I used to love to walk all the time as a stress reliever and to stay in shape. Walking is something you can do as a parent anytime, but now that my youngest is 6 and my oldest is 15, it's a lot easier for me to fit in time for my own fitness. Over the winter I walked some at the gym on the treadmill and track. Now I can walk the neighborhood or the field at the school by my house. I'm not a jogger or a runner yet ... special equipment needed for my upper lady parts ... but might be someday! For now I walk in my OOFOS sandals because they are the most comfy thing I have ever worn and work perfectly for summertime.

Because I love walking so much, I'll be posting upcoming walk/runs in Kansas City as I find them. This does not mean I'll be participating in all of them, so don't show up expecting me to sign autographs or anything. I MIGHT or MIGHT NOT be there, depending on household funds at the time, Mr. Kerrie's travel situation, my sanity level, etc. Enjoy the race info, and go out and find some in your town!

What: 8th Annual Pink Laundry 5K Run

When: Saturday, October 1, 2016 at 8 a.m.

Where: In front of the Lee's Summit City Hall, located at Green Street and 3rd Street.

This event supports The Stephanie Vest Foundation,which is a 501(c)(3) non-profit organization dedicated to helping families who are fighting cancer by giving hope in a time of need.

Fun fact: my uncle Kris used to coach track at a high school in Lee's Summit for many years!

Check the link (above after WHAT) for more info!

P.S. I get my info from the fabulous KC Running Company website.

When you're all done, you'll be hungry! Grab a copy of my Tater Tot Casserole Cookbook and whip up a batch of happiness for dinner!