Things are actually starting to get back to normal! My new kitchen is complete and we re-tiled the entire house (except the master bath and the bedrooms). I have been putting everything up and trying to get the house put back together. I'm almost done, just a have a few little things here an there that I need to go through and put up.
In the meantime of all the kitchen fiasco I read all 4 Twilight series books! They were all really good! Once you get into them its very hard to put them down. I stayed up until 5 A.M. to finish Breaking Dawn one morning. Yes, you read that right; I stayed up until 5 A.M. to finish a book! I know I'm crazy! So now that I'm done with those books I need to find something else to read, sugguestions are welcome...
After reading the Twilight books it kind of made me a little sad because I don't write anymore. I LOVE to write and I used to do it all the time. I used to always keep a diary and I wrote in it everyday, even if nothing important happend that day I would still write in it. I also wrote fictional stories and when I was taking classes in college I used to love to stay up late all by myself writing papers. It made me sad when I thought about how I just don't have the time to sit down and write the way I used to. My husband mentioned it to me and asked why I don't write anymore and the only explination I have is that I just don't have time to fit it into my life anymore. When I write I have to be completely alone and it takes me a while to get started but once I get going I just keep going. My life is just so crazy, busy and noisy all the time that I don't have the time to just sit down and even think about what to write much less give myself the time to get my brain juices flowing. I was hoping that I could use this blog to start writing agian, but just keeping up with this blog has been more challenging that I thought it would. I wasn't really sure that I would like the Twilight books becuase I'm really not that into Vampires and what not (for multiple reasons) but when I read the books I throughly enjoyed the way they were written. It just made me want to write agian, really badly. I only wish that I knew how to make the time to get my creative juices flowing agian! Anywho, that is just what has been on my mind lately...
Mike and I are starting a bit of a new adventure in our life. I don't want to say to much about it yet until it gets closer but I will be sharing. It won't be too different from in the past but it will be new and exciting!
Tuesday, June 22, 2010
Thursday, May 6, 2010
I don't do this often but those of you that have prayer lists, I would appreciate it if you would add me. I need prayers for paitence and how to get my happiness back. I have felt so stressed and aggervated and really have no reason to. I don't know what it is. My patience has been worn very thin, esspecially with the kids. I am at a point where I don't know how to get back to the happy wife and mother I used to be. So please just some prayers sent my way so that I can show my family how much I truly love and appreciate them and get rid of the anger, no patience,etc. I just want to be the old me again! ; / thanks guys! Love you all and G-Night!
Monday, April 19, 2010
Things are looking up...
After a rough couple of months, with Mike losing his job, things are starting to look up. Mike is working again, granted it is another job where he is gone ALL the time. I'm just glad that he is working agian, we were really starting to get to the point where we were about to be in a serious money crunch.
About a month ago we realized there was a slow leak under our dishwasher and upon further inspection there was funky business growing under there and all up under my cabinets. I made a phone call to the insurance and an adjuster came out and informed us that the insurance would pay for new cabinets all the way around the kitchen and new countertops!! YAAY!! So I'm getting a new kitchen!! When we moved in this house 6 years ago we always said the kitchen was going to be the first thing redone. We have since painted the entire house twice and redone one of the bathrooms, finally I'm getting a new kitchen! I'm soo happy, I had NO cabinet/couter space and my counter tops were orange! EEK! The demo started yesterday so my house is crazy looking right now! Not having a kitchen sink is a bit of a pain but it will be so worth it in the end.
I have been so stressed and grumpy the past few months but now it seems like we are getting back on track. I'm a bit of a control freak so the past couple of months I felt totally out of control (but now I'm getting some control back! hehehe). I'm still working on gaining more patience and keeping my stress level down (we have insurance agian so I have my be-nice pills lol). But seriously, I always stress super badly about things that I have no control over (I get it from my momma) and I have really been working internally on myself about that. Its so hard but I know I will get it under control with lots of prayers! I read a great book though that has helped put alot of things in perspective. My mother-in-law gave it to me for Christmas, the name of it is Grooming the Next Generation for Success by Dani Johnson. I reccomend it to anyone who has kids of any age or even anyone that works with kids, i.e. school teachers, sunday school teachers, ect.
Well I think I'm out for the night. I was going to do some studying but I'm pooped out!! G-Night! Love ya!
Holly
About a month ago we realized there was a slow leak under our dishwasher and upon further inspection there was funky business growing under there and all up under my cabinets. I made a phone call to the insurance and an adjuster came out and informed us that the insurance would pay for new cabinets all the way around the kitchen and new countertops!! YAAY!! So I'm getting a new kitchen!! When we moved in this house 6 years ago we always said the kitchen was going to be the first thing redone. We have since painted the entire house twice and redone one of the bathrooms, finally I'm getting a new kitchen! I'm soo happy, I had NO cabinet/couter space and my counter tops were orange! EEK! The demo started yesterday so my house is crazy looking right now! Not having a kitchen sink is a bit of a pain but it will be so worth it in the end.
I have been so stressed and grumpy the past few months but now it seems like we are getting back on track. I'm a bit of a control freak so the past couple of months I felt totally out of control (but now I'm getting some control back! hehehe). I'm still working on gaining more patience and keeping my stress level down (we have insurance agian so I have my be-nice pills lol). But seriously, I always stress super badly about things that I have no control over (I get it from my momma) and I have really been working internally on myself about that. Its so hard but I know I will get it under control with lots of prayers! I read a great book though that has helped put alot of things in perspective. My mother-in-law gave it to me for Christmas, the name of it is Grooming the Next Generation for Success by Dani Johnson. I reccomend it to anyone who has kids of any age or even anyone that works with kids, i.e. school teachers, sunday school teachers, ect.
Well I think I'm out for the night. I was going to do some studying but I'm pooped out!! G-Night! Love ya!
Holly
Thursday, March 11, 2010
My Simplx Investigation
I know this is long, but I know that there alot of people that have or are starting eBay stores and I feel like there is some good info here for those that it will apply to...
So I looked into this company some more. Its one of those sounds to good to be true companies that will help you make a monthly income you can live off of by selling stuff online, like on eBay. Their whole spill is that you pay them $40 or so a month and they give you access to their database. Which is basically a database of a whole bunch of websites like Amazon-ish. (I'm using Amazon as an example just because everyone knows what it is.) Anyway, they give you access to this huge list of websites that sell tons of different products at discount prices.
You know how you can go on Amazon and get stuff cheaper than you can at Best Buy. They tell you to find a 'niche', some specific product or category of products that you want to sell. So you pick your 'niche', for example, iPhone accessories. I decide I want to sell accessories for iPhones on eBay. So I go the Simplx database and do a search for iPhone accessories, it pulls up Amazon and whatever other websites similar to Amazon that sell such accessories. So now that I know that I can get these accessories from this Simplx database, I'm supposed to go and list them for sale on my eBay store. When someone buys an accessory from me on eBay and their payment has gone through, I then go back to the Simplx database and pull up all the places that sell such accessories. I buy one from this company and then during checkout when it asks for the shipping address I put the buyer from eBay shipping address instead of mine.
So they bought it from me through eBay, they paid me, I buy it from Amazon and put their shipping address telling Amazon to ship it to them instead of me.
Now as far as how you actually make money with this company, they tell you there are two possible ways to make money with them.
1. You can mark up the price of the product. Say you can buy an otterbox from Amazon for $29.99 and $5.99 for shipping, thats a total of $35.98. So you can mark it up and sell it on eBay for $35.99 plus $6.00 shipping. If it sells then you get paid $41.99 giving you a profit of $6.01. If you sell 10 of these, you've made $60.10 for not really doing anything but listing it on ebay.
Not a bad deal huh?
But this is what the average person or a new eBay seller doesn't think of...
You have to pay eBay fees and if you use PayPal, you have to pay PayPal fees. Ebay has a listing fee and a final value fee when your item sells. Listing fees vary depending on what type of listing you choose. I used to pay $.05 for a store inventory listing fee, however, eBay has now raised that to $.20. So anyway, my listing fee on an otterbox selling for $35.99 would be $0.20 and when it sells I would be charged a final value fee of 12% I believe (those vary too depending on the category of product). If my calculations are correct, the final value fee for this otterbox would be $3.88 and the Paypal fee $1.56. So that is a total of $5.49 that it costs you to sell this otterbox. That takes your profit of $6.01 to an actual profit of $.52. Your still making a profit which is great but the amount of your profit, not so great. So if you sell 10 of these your real true profit would be $5.02; not quite the $60.10 that I thought I would make at first glance. So its not much but its still a profit; its $5.02 that I didn't have before.
2. The second way you make a profit with Simplx is that they give you a rebate on the things you buy through their database. They say that you can get up to a 13% rebate on some of the items you can buy through them. The trick is finding the things that you can make 13% on. Simplx says they give you access to thousands or millions of products, depending on how much you pay them monthly. So really do you want to search through thousands or millions of products to hopefully find one that will make you 13%? Most of them only make you between 1%-6%.
There are many other web sites out there that work the exact same way as this only they are free. For instance, I am actually a member of Blastoff and was long before I ever heard of Simplx. With Blastoff, say I want to buy something online from Target. I login to Blastoff and then go to the Blastoff “Mall” and click on Target. When I buy something from Target by getting there through the Blastoff Mall site, I earn a 2% rebate on my purchase price from Target. So I spend $30 (before tax), I earn $0.60. Not much, but if you do all your online shopping from this site it adds up. Another thing is that with Blastoff you can invite people to join the site. When they sign up through your Blastoff site they are put in your network and you also earn a percentage when they buy something through Blastoff! Click Here To Learn More About Blastoff
So my conclusion is that I don't doubt that you can earn money through the Simplx system. What I doubt is how much money you can actually make and how long it will take you to make that much money. From the numbers I have used as examples on here it would take A WHOLE LOT of sales to even pay my electric bill, much less be enough to be my sole monthly income. You would have to sell a ton of different products and the thing is that people have to go to your store to buy them... Now if you are buying from Amazon and marking the price up, why would someone buy from you instead of Amazon. More than likely the product is going to be found easier from Amazon than your store. Even if you sell it for the exact price you buy it from Amazon for, you still have to pay eBay & PayPal fees. The little bit of a rebate you get from Simplx would probably barely be enough to cover those fees if it would even cover those fees. So in that case your really not making any money. It would take a lot of time and research and figure out which products actually make you good money. Simplx claims to train you and work with you to help you find the products that make you good money. I have to wonder about this because when I talked to Chris from Simplx and I asked more about the "training"; the way he explained it was basically you call into a conference call once a week and its like a group training. Unless you pay them more money and then I think you can get a little bit of one on one. They give you a 7 day free trail period. Sorry but 7 days is not enough time to find the good money making products and list them on eBay AND get them sold. Your prices are just not going to be low enough, and if they are its costing you money to sell it.
eBay has just raised their fees way too much, its hard to make any money at all on eBay anymore. That is the reason I started using eBid.net, With eBay you have to pay listing fees whether your product sells or not. Not with eBid. With eBid.net you only pay fees if you your product sells and they actually have ways to list items without paying any fees at all!! Here Is My eBid.net Store
So I looked into this company some more. Its one of those sounds to good to be true companies that will help you make a monthly income you can live off of by selling stuff online, like on eBay. Their whole spill is that you pay them $40 or so a month and they give you access to their database. Which is basically a database of a whole bunch of websites like Amazon-ish. (I'm using Amazon as an example just because everyone knows what it is.) Anyway, they give you access to this huge list of websites that sell tons of different products at discount prices.
You know how you can go on Amazon and get stuff cheaper than you can at Best Buy. They tell you to find a 'niche', some specific product or category of products that you want to sell. So you pick your 'niche', for example, iPhone accessories. I decide I want to sell accessories for iPhones on eBay. So I go the Simplx database and do a search for iPhone accessories, it pulls up Amazon and whatever other websites similar to Amazon that sell such accessories. So now that I know that I can get these accessories from this Simplx database, I'm supposed to go and list them for sale on my eBay store. When someone buys an accessory from me on eBay and their payment has gone through, I then go back to the Simplx database and pull up all the places that sell such accessories. I buy one from this company and then during checkout when it asks for the shipping address I put the buyer from eBay shipping address instead of mine.
So they bought it from me through eBay, they paid me, I buy it from Amazon and put their shipping address telling Amazon to ship it to them instead of me.
Now as far as how you actually make money with this company, they tell you there are two possible ways to make money with them.
1. You can mark up the price of the product. Say you can buy an otterbox from Amazon for $29.99 and $5.99 for shipping, thats a total of $35.98. So you can mark it up and sell it on eBay for $35.99 plus $6.00 shipping. If it sells then you get paid $41.99 giving you a profit of $6.01. If you sell 10 of these, you've made $60.10 for not really doing anything but listing it on ebay.
Not a bad deal huh?
But this is what the average person or a new eBay seller doesn't think of...
You have to pay eBay fees and if you use PayPal, you have to pay PayPal fees. Ebay has a listing fee and a final value fee when your item sells. Listing fees vary depending on what type of listing you choose. I used to pay $.05 for a store inventory listing fee, however, eBay has now raised that to $.20. So anyway, my listing fee on an otterbox selling for $35.99 would be $0.20 and when it sells I would be charged a final value fee of 12% I believe (those vary too depending on the category of product). If my calculations are correct, the final value fee for this otterbox would be $3.88 and the Paypal fee $1.56. So that is a total of $5.49 that it costs you to sell this otterbox. That takes your profit of $6.01 to an actual profit of $.52. Your still making a profit which is great but the amount of your profit, not so great. So if you sell 10 of these your real true profit would be $5.02; not quite the $60.10 that I thought I would make at first glance. So its not much but its still a profit; its $5.02 that I didn't have before.
2. The second way you make a profit with Simplx is that they give you a rebate on the things you buy through their database. They say that you can get up to a 13% rebate on some of the items you can buy through them. The trick is finding the things that you can make 13% on. Simplx says they give you access to thousands or millions of products, depending on how much you pay them monthly. So really do you want to search through thousands or millions of products to hopefully find one that will make you 13%? Most of them only make you between 1%-6%.
There are many other web sites out there that work the exact same way as this only they are free. For instance, I am actually a member of Blastoff and was long before I ever heard of Simplx. With Blastoff, say I want to buy something online from Target. I login to Blastoff and then go to the Blastoff “Mall” and click on Target. When I buy something from Target by getting there through the Blastoff Mall site, I earn a 2% rebate on my purchase price from Target. So I spend $30 (before tax), I earn $0.60. Not much, but if you do all your online shopping from this site it adds up. Another thing is that with Blastoff you can invite people to join the site. When they sign up through your Blastoff site they are put in your network and you also earn a percentage when they buy something through Blastoff! Click Here To Learn More About Blastoff
So my conclusion is that I don't doubt that you can earn money through the Simplx system. What I doubt is how much money you can actually make and how long it will take you to make that much money. From the numbers I have used as examples on here it would take A WHOLE LOT of sales to even pay my electric bill, much less be enough to be my sole monthly income. You would have to sell a ton of different products and the thing is that people have to go to your store to buy them... Now if you are buying from Amazon and marking the price up, why would someone buy from you instead of Amazon. More than likely the product is going to be found easier from Amazon than your store. Even if you sell it for the exact price you buy it from Amazon for, you still have to pay eBay & PayPal fees. The little bit of a rebate you get from Simplx would probably barely be enough to cover those fees if it would even cover those fees. So in that case your really not making any money. It would take a lot of time and research and figure out which products actually make you good money. Simplx claims to train you and work with you to help you find the products that make you good money. I have to wonder about this because when I talked to Chris from Simplx and I asked more about the "training"; the way he explained it was basically you call into a conference call once a week and its like a group training. Unless you pay them more money and then I think you can get a little bit of one on one. They give you a 7 day free trail period. Sorry but 7 days is not enough time to find the good money making products and list them on eBay AND get them sold. Your prices are just not going to be low enough, and if they are its costing you money to sell it.
eBay has just raised their fees way too much, its hard to make any money at all on eBay anymore. That is the reason I started using eBid.net, With eBay you have to pay listing fees whether your product sells or not. Not with eBid. With eBid.net you only pay fees if you your product sells and they actually have ways to list items without paying any fees at all!! Here Is My eBid.net Store
Sunday, February 21, 2010
Economic Down Turn
The economy has now definately hit us with its full force, at least I hope this is its full force. Our checking account has definately felt it over the past year with Mike going through 3 different pay-cuts and now it has only gotten worse. Our majority income has officially stopped for the time being. Its frustrating on so many different levels I can't even begin to exlpain it. For 5 years Mike has had this job where he was working out of town ALL the time. We had money but NO time together. We never had time together to go spend the money, now we have all the time in the world together and no money to go do things. If thats not ironic I don't know what is! There are so many different things we want to do and neither one of us know where to start or how we are going to start. I'm reluctantly writing about all this right now because I really hate to talk to other people about this kind of thing. There is so much going on in our heads and I hate to try to talk to someone only to hear negativity. There aren't alot of people that think about life the way Mike and I do. Rather than try to explain to everyone our perspective on life and our future I have learned to just sit back and keep my mouth shut. Everytime I have tried to give my perspective on life and money and the way I want my future to be, I only hear other peoples negativity and listen to them tear apart my thoughts and ideas. I know that I need to put my faith in God and give him all of my worries. He will take care of us. He always has. We have gotten into a financial bind before and somehow we always had enough money to pay bills and put food on the table so I know he will take care of us. I know that God has given us all these hopes, dreams, and ideas for a reason and that he has a path for us; I'm just not positive we are on the right path yet. I feel like I'm waiting for something, something to happen, something to find me, something that I need to find; I don't know really I just feel like I'm waiting for something. Something is missing. I haven't been sleeping, I have just been listing things on my new eBid.net (JustBuyIt) store like crazy hoping that I will start having one sale right after the other. Its funny how sometimes that happens, I won't sell anything for a month or two and then all of the sudden I'll have a bunch of sales right at once. I'm hoping that happens soon... I need that to happen soon. Mike has also been working with his Dad as sort of a partner in his Dad's construction company. Every job that Mike gets his Dad pays him a percentage. He has been out trying to sell roofs, remodel jobs, new consturction homes, etc like crazy; it just isn't fast enough. He needs to have selling spurt too just like I do. I have my little businesses and now all of the sudden I don't feel like I can work on them enough, fast enough or enough time to work on them. I have applied for jobs but I dont have a good feeling about any of them, who wants to hire someone that hasn't worked in 5 years. All of the sudden all of our side businesses have become our only source of income and we need these side businesses to blow up and grow, grow, grow. I make money with them now just not enough to supplement our majority income. I always get anxious at this time of the night. I do have some meds to help me go to sleep but not many, and we don't have insurance anymore for refills. I just hate this feeling, I feel helpless and like I'm drowning. Drowning in paper, those papers are bills and they just keep coming. I love my husband more than anything. He is so stressed right now and I hate seeing him like this. I know he feels helpless too. I think thats part of why I have been working so hard because I don't want him to feel helpless. I would love to be able to bring in majority income and give him a little break. He has worked so hard for the past 5 years. The whole reason I wanted to have my own businesses was to help bring in enough income so that Mike could get a different job and not have to worry about making as much money. I just haven't gotten to that point yet and them BAM all of the sudden I need to be at that point. I don't want to be this stressed. I would love to just relax for a little while and go to the park with my husband and the kids and swing on the swing set, just spending time together as a family. But every minute that I'm not working I feel like I'm waisting time and Mike feels the same way. Sometimes it feels like our house just sits still with us stuck inside, while the whole world spins around outside
Wednesday, February 10, 2010
So I got an email about eBay raising their fees AGAIN!! It's starting to not even be worth my time to sell on there because they keep raising fees and cutting into my profit. So I decided to search for another auction site to use. I did a google search and came up with several different auction sites. After an extensive comparison between several different sites I quickly figured out that eBids is the absolute best alternative to eBay!! I've been transferring my items to eBids all day long! It's alot simpler than eBay. Ofcourse it's not as widely known so it looks a little low budget but there are over 1 million auctions. That tells me that there are enough people that know about it that I can make some money!! I urge everyone who uses eBay to switch to eBids!!! Save your money!!
Thursday, February 4, 2010
What Happend to Marriage Values
nuI don't
The ones that had kids, I can understand how kids can put a big strain on a relationship. They are supposed to make you closer as a family but all too often the couple puts all their focus on the kids and not the marraige. You can't have a happy family if you don't have a happy marriage. Marraige is the head of the household and it must be catered to. Thats really easy to forget after having kids. So I can understand how those divorced couples that have kids, could have possiby gotten to the point of divorce.
But these couples who got married in their early 20's and stayed together for a year or two, had no kids and then divorce.? Really, what is the point in that?
Why in the crap would you spend all that money on a gorgeous wedding, if you aren't going to be committed to the marriage?
I don't believe in divorce. That might be stupid of me to say considering my husband was married before me. And guess what? He was in his early 20's when they got married, and he was in his early 20's when they got divorced. He will be the first to tell you that it was a really dumb mistake and they never should have gotten married. Even after talking to him I still don't get why he got married the first time.
*Disclaimer* Before you go getting all crazy on me for saying I don't belive in divorce let me clarify. If you are in an abusive marriage, be it physical, mental or emotional, I do belive you should get a divorce. Cheating is also grounds for divorce in my eyes, esspecially repeat offenders, some just won't ever change. If you are married to a drug addict and have tried to see it through and its just not happening, I believe that is also grounds for divorce. Please understand that I believe there are exceptions, even The Bible has rules and exceptions for divorce. I also know that you can not change someone but you do have control over yourself. So if you have truly given it your all (and it will usually take more than a year or two to know if you have given it your all) then you may be an exception. You can't change people and you can't help someone that won't help themselves. So anyway I understand there is gray area around divorce. So please don't have a freak out.**
When are these kids going to realize that it takes maturity to be married. Marriage isn't a game. Its not like playing house. You don't just decide to stop.
Howcome I knew that when I was 19 and got pregnant but apparently all these others don't. I didn't want to get married just because I was pregnant. I was not going to have a shotgun wedding. And Mike, well he had already been married so he wasn't about to jump into it agian unless he knew it was forever. My family was agianst it, I heard it from my Grandma every time I saw her. They all made it very clear that they did not approve of us having a baby and not being married, esspicially when the second baby came along. But guess what, none of them could do anything about it. None of them MADE us get married, they couldn't. You know why? Becuase they aren't me! I am me and I made my own decision not to get married, well I guess Mike helped in that too it wasn't just my decision. But seriously, I'm probably hitting a serious nerve with some people but why do you have to have a shotgun wedding at 18, 19, 20ish years old. How can anyone really say that their parents made them do it at that age?
I think there should be restrictions or requirements to be met before you are allowed to get married. Maybe a phsycological evaluation should be done before you can buy a wedding dress or rent a tux. LOL I don't know but something has got to be done about all these stupid people marrying and divorcing all the time.
So exactly why do people give up so easily? I knew our generation was a lazy one but I don't guess I realized how easy it is for people to run at the first sign of trouble. Its like the first good fight they have after the wedding and its done.
Grow up people. Or better yet, Grow Some Balls!
You entered into a leagally binding contract so figure out how to make it work!
I'm defiantely no expert in the area of relationships or marriage but I have been with my husband for 7 years and we have dealt with alot of different issues. People trying to come between us, rumors about cheating, long periods of seperation (due to his job, not acutally seperating), kids before marriage, co-habbitating before marriage, tons of fights. If I had a penny for every fight we got in, big or small, I would be an extremely rich woman. There are probably a ton more issues we dealt with those are just the ones that come to mind right now. But we worked through it.
Why? Not only becuase we love each other but because we have a family and we know that everything happens for a reason. God put us together for us to make two babies so obviously he wanted us to be together. It was just up to us to stay together.
It just makes me so sad to hear about people I went to high school with who are now getting divorced, already divorced, already divorced and remarried, or divorced and getting divorced agian. I'm just really thankful that God put me with a man who has finally realized it takes alot of work to be in a marriage, and that the work never ends. It is always a challenge to stay married. Are you up to the challenge? Seriously?
The ones that had kids, I can understand how kids can put a big strain on a relationship. They are supposed to make you closer as a family but all too often the couple puts all their focus on the kids and not the marraige. You can't have a happy family if you don't have a happy marriage. Marraige is the head of the household and it must be catered to. Thats really easy to forget after having kids. So I can understand how those divorced couples that have kids, could have possiby gotten to the point of divorce.
But these couples who got married in their early 20's and stayed together for a year or two, had no kids and then divorce.? Really, what is the point in that?
Why in the crap would you spend all that money on a gorgeous wedding, if you aren't going to be committed to the marriage?
I don't believe in divorce. That might be stupid of me to say considering my husband was married before me. And guess what? He was in his early 20's when they got married, and he was in his early 20's when they got divorced. He will be the first to tell you that it was a really dumb mistake and they never should have gotten married. Even after talking to him I still don't get why he got married the first time.
*Disclaimer* Before you go getting all crazy on me for saying I don't belive in divorce let me clarify. If you are in an abusive marriage, be it physical, mental or emotional, I do belive you should get a divorce. Cheating is also grounds for divorce in my eyes, esspecially repeat offenders, some just won't ever change. If you are married to a drug addict and have tried to see it through and its just not happening, I believe that is also grounds for divorce. Please understand that I believe there are exceptions, even The Bible has rules and exceptions for divorce. I also know that you can not change someone but you do have control over yourself. So if you have truly given it your all (and it will usually take more than a year or two to know if you have given it your all) then you may be an exception. You can't change people and you can't help someone that won't help themselves. So anyway I understand there is gray area around divorce. So please don't have a freak out.**
When are these kids going to realize that it takes maturity to be married. Marriage isn't a game. Its not like playing house. You don't just decide to stop.
Howcome I knew that when I was 19 and got pregnant but apparently all these others don't. I didn't want to get married just because I was pregnant. I was not going to have a shotgun wedding. And Mike, well he had already been married so he wasn't about to jump into it agian unless he knew it was forever. My family was agianst it, I heard it from my Grandma every time I saw her. They all made it very clear that they did not approve of us having a baby and not being married, esspicially when the second baby came along. But guess what, none of them could do anything about it. None of them MADE us get married, they couldn't. You know why? Becuase they aren't me! I am me and I made my own decision not to get married, well I guess Mike helped in that too it wasn't just my decision. But seriously, I'm probably hitting a serious nerve with some people but why do you have to have a shotgun wedding at 18, 19, 20ish years old. How can anyone really say that their parents made them do it at that age?
I think there should be restrictions or requirements to be met before you are allowed to get married. Maybe a phsycological evaluation should be done before you can buy a wedding dress or rent a tux. LOL I don't know but something has got to be done about all these stupid people marrying and divorcing all the time.
So exactly why do people give up so easily? I knew our generation was a lazy one but I don't guess I realized how easy it is for people to run at the first sign of trouble. Its like the first good fight they have after the wedding and its done.
Grow up people. Or better yet, Grow Some Balls!
You entered into a leagally binding contract so figure out how to make it work!
I'm defiantely no expert in the area of relationships or marriage but I have been with my husband for 7 years and we have dealt with alot of different issues. People trying to come between us, rumors about cheating, long periods of seperation (due to his job, not acutally seperating), kids before marriage, co-habbitating before marriage, tons of fights. If I had a penny for every fight we got in, big or small, I would be an extremely rich woman. There are probably a ton more issues we dealt with those are just the ones that come to mind right now. But we worked through it.
Why? Not only becuase we love each other but because we have a family and we know that everything happens for a reason. God put us together for us to make two babies so obviously he wanted us to be together. It was just up to us to stay together.
It just makes me so sad to hear about people I went to high school with who are now getting divorced, already divorced, already divorced and remarried, or divorced and getting divorced agian. I'm just really thankful that God put me with a man who has finally realized it takes alot of work to be in a marriage, and that the work never ends. It is always a challenge to stay married. Are you up to the challenge? Seriously?
Friday, January 29, 2010
Errrrr I hate Insurance Companies!
I just spent 4 days fighting with my insurance company! Apparently at the first of the year our insurance plan changed and they decided that they were not going to pay for one of my medications anymore, but no one told me this!! So I call and order a refill for my 3 month supply, that I have been getting through the same company for the past year, not thinking anything of it I just placed the order. Today I get a call from a lady at the insurance company. "Mrs. Evans I'm calling from Express Scripts to get authorization to ship your order out. The reason I need authorization from you is due to the amount that will be invoiced to you. The total will be $1,056.00."
WTF!! For the past year I paid $110.00 for this EXACT same 3 month supply! Seriously I have been on the phone ALL day long. My Dr. sent a letter to the insurance company last year stating that he needed me to be on the name brand medication instead of the generic. The insurance wanted me to have the generic so I had this same fight with them around this time last year when my husband's company switched to them. Finnally they get it right and have been giving me the correct perscription for the whole year of 2009.
However, apparently after the first of the year my insurance plan changed and decided that if my Dr. says I need the name brand instead of the generic I have to pay my co-pay AND the price difference between the name brand and generic.
Ummm Hi, isn't that the same as paying full price?!?!? What is the purpose of insurance if I am paying full price!?!?! They are telling me that now they need a letter showing "medical neccessity" from my Dr. Apparently this is different from the letter he sent last year saying I need to be on this medication. Now they want him to "prove" that I need to be on this medication! Seriously! I don't get it. I honestly don't get how insurance companies can do this. When your Dr. is saying you need a medication isn't the purpose of insurance for them to help you get that medication at a discounted rate??
I know insurance companies have lawyers that probably go over these kinds of policy changes, so I don't know if any of this is actually illegal or agianst my rights. But you can bet that come Monday morning I will be call PrePaid Legal just to double check!!
PrePaid Legal Services Inc
WTF!! For the past year I paid $110.00 for this EXACT same 3 month supply! Seriously I have been on the phone ALL day long. My Dr. sent a letter to the insurance company last year stating that he needed me to be on the name brand medication instead of the generic. The insurance wanted me to have the generic so I had this same fight with them around this time last year when my husband's company switched to them. Finnally they get it right and have been giving me the correct perscription for the whole year of 2009.
However, apparently after the first of the year my insurance plan changed and decided that if my Dr. says I need the name brand instead of the generic I have to pay my co-pay AND the price difference between the name brand and generic.
Ummm Hi, isn't that the same as paying full price?!?!? What is the purpose of insurance if I am paying full price!?!?! They are telling me that now they need a letter showing "medical neccessity" from my Dr. Apparently this is different from the letter he sent last year saying I need to be on this medication. Now they want him to "prove" that I need to be on this medication! Seriously! I don't get it. I honestly don't get how insurance companies can do this. When your Dr. is saying you need a medication isn't the purpose of insurance for them to help you get that medication at a discounted rate??
I know insurance companies have lawyers that probably go over these kinds of policy changes, so I don't know if any of this is actually illegal or agianst my rights. But you can bet that come Monday morning I will be call PrePaid Legal just to double check!!
PrePaid Legal Services Inc
Tuesday, January 19, 2010
Long Time, No Talk
Wow, I knew it had been a while since I last blogged but I didn't really realize how long! I've been so busy with Christmas shopping and then doing all the family stuff. I have gotten way behind on my daily/weekly chores and activities. More so than usual! LOL
Aside from all the Christmas stuff I have also been working on all my home businesses. I bought a bunch of Avon to have in stock for Christmas. I don't usually keep an inventory so I wasn't sure how that was going to go. I actually did pretty well with it. It helped with Christmas money. I also recruited a PrePaid Legal Associate!! YAYYY! I get so excited when I sign up a membership and even more so an associate. The whole PrePaid Legal company is just amazing. A year ago I had no idea anything like this existed!! I believe everyone needs to know what PrePaid Legal is, if your not interested then your not interested but atleast you know that something like this is out there and that you have the option if you want it. As of today PPL has saved me well over $2000 from companies and people trying screw me over! They even got a speeding ticket dismissed for me! Its fantastic!! YAY! :)
Lastly, I have been working on my eBay store. I have tons of my personal things that I need to sell and get out of my house and I still have tons of other products to add. However, after doing a couple of searches on eBay I realized that alot of the products I'm selling right now are soo overly saturated and some people are selling them for less than what I can buy them at wholesale, which I don't really understand. That has to mean that they are getting them from a different wholesaler at a cheaper price or something. So my new mission is to figure how these people are getting this stuff cheaper than I am. Where are they buying this stuff?? There are also alot of companies that claim to connect you with hundreds of different drop shippers that sell thousands of different products for just a small monthly fee of $40 something a month. I'm going to look into these companies and find out if they really do what they claim to do. I understand that it takes money to make money but if I'm paying $40 a month I expect to be making a profit after the $40 and all the eBay and PayPal fees.
The company I'm working on investigating right now is Simplx. I spoke with a representative today and he gave me some pricing and information about the company. I then proceeded to do some google searches and found a blog that is supposedly written by the CEO of Simplx. The purpose of his blog is supposed to be to explain the way the company works, clarify things to potential clients, as well as get ideas and to propose ideas to current clients and customers receiving feedback in response to these proposed ideas. My investigations has only just begun so I'm not going to go into much detail until I have some more information. When I do have more information I plan on posting about everything I found out.
I'm even thinking about creating a whole separate blog dedicated these 'investigations'. My goal is to find out information about these companies that the average eBay seller needs to know before signing up for their service. I have been ripped off entirely to many times. Becoming a PrePaid Legal Associate has only made me realize that we (the consumer) need to have someone on our side and give us true information about these types of companies. You shouldn't have to be ripped off just to learn a lesson about how to create a successful eBay business. There are too many successful home businesses out there that get buried by all the scams. So I decided that I'm going to try to dig up the real things that can help you create a successful home business, because they do exist somewhere.
Aside from all the Christmas stuff I have also been working on all my home businesses. I bought a bunch of Avon to have in stock for Christmas. I don't usually keep an inventory so I wasn't sure how that was going to go. I actually did pretty well with it. It helped with Christmas money. I also recruited a PrePaid Legal Associate!! YAYYY! I get so excited when I sign up a membership and even more so an associate. The whole PrePaid Legal company is just amazing. A year ago I had no idea anything like this existed!! I believe everyone needs to know what PrePaid Legal is, if your not interested then your not interested but atleast you know that something like this is out there and that you have the option if you want it. As of today PPL has saved me well over $2000 from companies and people trying screw me over! They even got a speeding ticket dismissed for me! Its fantastic!! YAY! :)
Lastly, I have been working on my eBay store. I have tons of my personal things that I need to sell and get out of my house and I still have tons of other products to add. However, after doing a couple of searches on eBay I realized that alot of the products I'm selling right now are soo overly saturated and some people are selling them for less than what I can buy them at wholesale, which I don't really understand. That has to mean that they are getting them from a different wholesaler at a cheaper price or something. So my new mission is to figure how these people are getting this stuff cheaper than I am. Where are they buying this stuff?? There are also alot of companies that claim to connect you with hundreds of different drop shippers that sell thousands of different products for just a small monthly fee of $40 something a month. I'm going to look into these companies and find out if they really do what they claim to do. I understand that it takes money to make money but if I'm paying $40 a month I expect to be making a profit after the $40 and all the eBay and PayPal fees.
The company I'm working on investigating right now is Simplx. I spoke with a representative today and he gave me some pricing and information about the company. I then proceeded to do some google searches and found a blog that is supposedly written by the CEO of Simplx. The purpose of his blog is supposed to be to explain the way the company works, clarify things to potential clients, as well as get ideas and to propose ideas to current clients and customers receiving feedback in response to these proposed ideas. My investigations has only just begun so I'm not going to go into much detail until I have some more information. When I do have more information I plan on posting about everything I found out.
I'm even thinking about creating a whole separate blog dedicated these 'investigations'. My goal is to find out information about these companies that the average eBay seller needs to know before signing up for their service. I have been ripped off entirely to many times. Becoming a PrePaid Legal Associate has only made me realize that we (the consumer) need to have someone on our side and give us true information about these types of companies. You shouldn't have to be ripped off just to learn a lesson about how to create a successful eBay business. There are too many successful home businesses out there that get buried by all the scams. So I decided that I'm going to try to dig up the real things that can help you create a successful home business, because they do exist somewhere.
Subscribe to:
Posts (Atom)
