Lia Beamer: A New Hero EmergesWritten by Janet Bishop
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With a daughter, Morgan Kay, born in January Lisa Beamer is now  surviving mom of three, as Morgan joins brothers, David and Drew. Lisa reports that little Morgan has Todd's hair color, chin and eyes. Lisa was named 'one of world's most intruiging persons of year 2001 by People magazine. On January 18, 2002, Lisa announced that Tyndale House publishers will publish her story of ill fated flight 93, to give people a behind scenes look at her late husband Todd Beamer. She has started Todd Beamer Memorial fund, which will aid victims of disaster as well as Todd's favorite charities. Contributions can be made on Internet at: http://www.beamerfoundation.org
Janet Bishop is a Christian writer and web designer. Visit our web sites at http://www.sisters.nu "Sisters in the Lord" as well as "Believing Women" a sister site at http://www.b-wsite.net. You can sign up for our quarterly newsletter "His Warrior Bride" at either site.
| | 8 Tips for Paying BillsWritten by Susan W. Miller
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D) Keep your insurance up-to-date. Most insurance policies come with a 15 to 30 day grace period which will still insure your coverage before insurance expires. Insurance is risk-management for your car, home, life, and health. Starting over will always be more expensive. E) Take care of car loans or lease payments. 90 days seems to be limit these companies will grant before your car appears on their repossession list. Any late payments here, like with your mortgage payment, will be reported to credit bureau. Some companies may report immediately. Communicate your payment plan and stay in contact with lender. F) Pay doctors, dentists, and hospitals. Review monthly bills you receive from these sources carefully and be sure you understand every item. Ask any questions you have immediately. Late payments for health services rarely get reported to credit bureau and rarely are there late charges added on. Call provider involved and tell them of your plan to make regular payments of X number of dollars. Do not be embarrassed to continue to seek medical services because you cannot pay. G) Give local business people their money. Late payments to dry cleaners, plumbers, yard people, or handyman will probably not be reported to credit bureau and most won't charge late fees. These people want and need your business. Remember that these are people who also keep your household running on a daily basis. Help keep theirs running and pay bill. H) Work with IRS Work out a monthly payment plan to cover your taxes, back-taxes, interest, and penalties. Never miss one of these payments. The IRS can and very possibly will demand payment in full immediately if you do miss a payment. They can file a lien against you. The credit bureaus will hear about it and you will probably incur even more expenses to get rid of lien. Draw up a plan and make those payments.(c) 2002, Susan W. Miller. All rights reserved.
Susan W. Miller, President of Home Oasis International, a Denver-based company selling organizing products and services through home parties and online. She is the author of the "PRO NOTEBOOK" a Personal Resource Organizer, a life-planning tool to gain control over your personal and financial records. Home Oasis International professionals are available to speak to your group. 1-800-681-8681, http://www.HomeOasisInternational.com
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