“Sit right here!” is a new game

Written by Don Schmitz


Continued from page 1

She got intorepparttar feeling of authority quickly andrepparttar 110949 orders didn’t stop, “Sit right here!” “Sit right here!” “Sit right here!” Over and over, I would sit where she wanted and each time, her eyes would light up and her smile clearly conveyedrepparttar 110950 feeling of accomplishment.

As I write this story, I am reminded of how speaking requires not only a speaker but a listener. I am so happy I was able to hear what Bella had to say. How many times inrepparttar 110951 past have people tried to communicate with me and I never heard what was said? Maybe that’s one ofrepparttar 110952 benefits of being a grandparent, maybe we finally takerepparttar 110953 time to “Get it!”

Don Schmitz is a popular speaker and writer on parenting and grandparenting. He is the author of The New Face of Grandparenting …Why Parents Need Their Own Parents and founder of Grandkidsandme, which includes: Grandparent Camps and Grandkid Days. Don holds graduate degrees in Education, Administration, Human Development and father to three sons and seven grandchildren. Contact Don@grandkidsandme.com.


Top 5 Credit Misconceptions

Written by Cindy Morus


Continued from page 1

4. Being a co-signer doesn't make you responsible forrepparttar account - When you open a joint account, co-sign on a loan or become an authorized user on someone's credit card, you are taking on legal responsibility forrepparttar 110948 account. Any activity on these shared accounts, good or bad, will show up on both people's credit reports. If you co-sign for a friend's auto loan and they don't makerepparttar 110949 payments, your credit profile will be hurt by their actions and visa versa. The only way to stop this double reporting is to refinancerepparttar 110950 loan or to haverepparttar 110951 creditor officially remove you fromrepparttar 110952 account.

5. Paying off a debt will add 50 points to your credit score - Yourcredit score is calculated using a complex algorithm that takes into account hundreds of factors and values. It is very hard to predict how many points you can gain by changing one factor. For a person with a high credit score, just one late payment can cause a significant drop. If a person has a low credit score, it may not cause a large drop at all. There is no magical way to improve your credit score, just keep paying your bills on time, reducing your debts and removing negative inaccuracies from your credit report. Good financial behavior and time arerepparttar 110953 two most important factors on your credit score.

Cindy S. Morus (www.phelps-creek.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer. Contact her at 541-387-2995 or cmorus@phelps-creek.com She is also the publisher and editor of "Financial Fitness", an internet gazette dedicated to helping people improve their financial fitness no matter what decisions were made in the past.


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