Graduation Time

So it happened.  My daughter graduated high school on Saturday.  It seems like not so long ago she was starting her first day of Kindergarten.  I cried that day.  I knew she was growing up and it was scary.  I cried on graduation day because she is a grown up, and it is scary.

It is bitter sweet really.  I knew it would come but I was still not prepared for it.  She really does deserve it though.  She worked very hard.  She fought each day to do her hardest.  She has Seizures, ADHD and some other things that really made it a challenge to remember all that she had learned.

Despite  these things she studied and worked hard to get the best grade she could each and everyday.  She is so smart too.  The seizures have robbed her of some memory but none the less she made good grades.  She worked hard and even won a scholarship for college.  She will be going in the fall.

She wants to be a teacher.  She wants to teach kindergarten or preschool.   She says she wants to make a difference by giving children the same start she got.  She loves school and really wants children to want to be there.  We joke about how she finished school, to go to school, so she can work at school.

Even though it has been a tough road she never gave up.  I could not be prouder of her.  I know she will do great things.  I have complete faith that she will make a change in the world.

                                                   

Another Year Ending

So here we are , another year over.  I am having mixed feeling really.  I am truly over this year.  It honestly was one of the crappiest years.  I lost my Mom, My daughter's health got worse and so did mine, my mental health has been shaken, and I got terminated from my job.

See why I am very unimpressed with this year?  The hard part is it means the last year my Princess is a child.  My little girl will turn 18 and then start her Senior year of high school.   That makes me sad and also ramps up my anxiety because that means new problems and I am totally unprepared to be the Mom of an adult who I still have to make all the decisions for because her health prevents her from being capable of doing it.  She is smart, and works hard.  She aspires to become a school teacher.  The problem is her seizures make life hard.  The truth is my adult child will still have days where she will be more like a 5 year old than an 18 year old. 

Totally not her fault and I accept that as her Mom this is absolutely my responsibility.  I have just spent 17.5 years making the decisions because she is a child.  What happens when I try to help and she says no because she really doesn't know what is happening right then or if I am unable to become her guardian so they will only talk to her and she gets too frustrated to make the right decisions?  Being a person with severe anxiety dealing with this has been an extremely difficult task.  I am soooo not ready.

As with the years past it does not matter how prepared or unprepared we are it will come.  It will bring with it whatever it wants and life will continue.  I think of the worst and pray for the best.  There will be no stopping it and all we can do is try to make each day count the best we can.

So as you close out these final days, just enjoy them because life is going to happen.  It will be messy sometimes and other times it will be great.  So my wish for all of you is that, May you have more great days than messy ones.

Thank you for visiting, until next time.

I'm BACK!!!!!!!!

Hey guys!! I know it has been a long time since I have written.  SOOOO much has happened it is crazy.  I may not post every day to start but I want to get back to doing my blog and reaching out to people.  I have a new Facebook page and lots of thing to share bad and good.  Stay tuned because I am ready for my come back and to start sharing my successes again.  Talk soon.

Getting to Savings

So I hope you are doing well with your savings and paying down your debt.  Even after not having a regular 9-5 job I am still making sure to work on my bills and putting a little away.  It is not as much as I used to do to the circumstances but I have not given up.

I have stayed dedicated to using my surveys and other income earning opportunities.  I just finished buying more medical stuff for my daughter using the points I had and I am on my way to getting her the birthday gifts for her sweet 16.  I am so excited to realize I have more in the bank now than when I worked a regular job every day.  I knew as a kid I was meant for something different but as I have grown and had a child I felt like I needed to fit into the mainstream world.  After the recent events it just confirmed that I am not meant for a typical job.

As I am looking for my great idea, I continue to use the extra income so it does not get eaten up in a month.  Been there done that and it is not fun. So I have given you a few of my favorites so far and now her come a couple more.  These take a little longer to add up but it does add up and you can use them simultaneously so between the 2 of them you can cash out $60.  It may not seem like a lot but when added to the other earnings it can make a difference.   I just used one to buy my daughters expensive vitamins.

You open emails, watch videos, and can take surveys.  The first one is Inbox Dollars (http://www.inboxdollars.com/?r=ref17133614&s=7).  The next one is Send Earnings (http://www.sendearnings.com/?r=ref4476777&s=7).  Each email is $.02, videos depend on the video, and surveys vary as well.  It will not make you rich but again it adds up.  Each cash out is $30 so again the two together mean an extra $60.  Who couldn't use an extra $60.

Ok time to go make some money.  No excuses.  My daughter was in the ER and I knew it would be awhile so I took my laptop and while she watched TV or was getting a test done and the Dr's were not there, I worked on making money.  Remember Instagc that I told you about in the previous post's?  Yeah I have made over $100 this year just using that.  It doesn't include the other sites at all.

We are on this journey together and we will make it.  Share your stories, ask questions we are here for eachother.

Health Update

So Friday I went to the ER and found out I had another kidney stone.  I had symptoms for a few days but I am bad about getting checked out.  I always put other things ahead of my pain.  I know that I should listen to my body more but I just have things to do so if it isn't too bad I just keep going.  Well on Thursday night my body was really letting me know it had enough and by Friday morning it was telling me it was time to go, so after the water heater repair people finished I went in.

This is the second time I have had one and it is the worst.  It is the only thing I have found that beat childbirth and that is painful enough.  Although when you understand what is happening with a kidney stone you realize it is about the same principle of pushing a watermelon out a hole the size of a pea.  If you have never had to go through either of these there is really no way for you to understand this type of pain.  If you have done one or the other then you know the pain I am talking about.  If you are like me and have done both, well you deserve and award.

They gave me meds to help and decided this time it is small enough that they hope it will pass on its own.  While I am not looking forward to passing it I am hoping it does because I do not want to do surgery again.  The last one I had was so big that even after placing a stint it still would not pass so they had to surgically break it up so it could come out.  That was not fun and I have had lower back pain every morning in that spot since.

I go see the dr. for a check up in the morning and hopefully it will be good news.  I am hoping they tell me it is passing along well and should be out in a few more days.  Unfortunately between the meds and pain there was not enough energy to make posts so I am hoping to get caught back up soon.
Keep up the good work on paying down the debt and building your savings. You are doing great because you are trying.  We are in this together.

Use Your Opinion To Make Money

So getting back to to making some extra money I have some more ways to help you get some extra funds to help with paying bills and adding to your savings account.  Believe me they work.  I have actually cashed out from everything I am telling you about.  I am only going to tell you about ones that I have actually earned money from.  My two other posts have information about ways that I have actually made money.

As a reminder of one of my favorite is InstaGC (https://www.instagc.com/420755).  I was just able to purchase $140.00 worth of birthday decorations for $10 byways are  using the points I earned to get Amazon codes.  I really like this site because you can get cash or gift cards.  I have cashed out money as well but right now i am working on a sweet 16 party so it is going to that.  I do about $1 a day as my goal but there are some people on there that have made $20 a day.  I just want to do other things during the day.

My other ways are surveys.  They can take some time to complete and it does take some dedication but you can make some money.  One that I started in the beginning is Opinion Outpost (opinionoutpost.com).  You can get cash, Amazon codes, and some other things as well.  You take surveys they send to your email and they are worth different point values once you get the amount you need to cash out then you can get the item you want.  This one is also good because you can cash out $10 at a time which is nice because the others you have to earn $25-$50 before cash out.  That means you can have money faster so it is quite helpful.

Another is Survey Savvy (http://www.surveysavvy.com/?m=5766848).  This is hit and miss on getting qualified on the surveys but the reason I like them so much is because you can cash out for $1.  See I am very inpatient about wanting to cash out so this one is nice because I do not have to wait long.  As soon as my account is credited I can send for a check.  I really like that idea.  So this is a good one if you are like me.

Well if you are like me you don't want to read a super long page either so I am going to stop for now.  I will give you some more options to choose from in other posts so you do not get overwhelmed.  We are in this together and I am here to help.  I want to help you get the freedom from debt you are looking for and I am doing it with you.

Get Money Back From Shopping

I hope you are doing well with your savings and debt reduction.  It is such a great feeling to know that you are getting closer to living the way you want.  You should really be proud of yourself for taking this journey.  No matter how far you have gotten just be proud of yourself that you are continuing to work on it.  Some weeks will be easier and some you may have to make some adjustments due to an unexpected situation.  The goal is to keep going.  I have paid off 2 cards I have about $600 in savings and I am about to pay most of the balance off on another.

Today I am going to tell you how I get money back when I shop.  I like to use Ebates. You can check it out by clicking this link http://www.ebates.com/rf.do?referrerid=beL25MhNpsK0Et5ppi%2FbBQ%3D%3D&eeid=28187 ( if you sign up I get a referral for this one)  You can shop at a ton of stores online and then depending on the store you will get either a percentage of your purchase back or a set dollar amount.  So far I have gotten back about $30 and my next check is already up to $16 from just making the purchases I already wanted to any way. Also I like that they have a reminder button you can download to your computer so if you are on the site of a company they work with it starts flashing so you can be reminded to get money back.

I have gotten money for buying things from Victoria Secret, Fingerhut, Amazon, Ebay, Kohl's, JcPenney, Jelly Belly candy, and I even got money back for doing my Taxes online with Turbo Tax.  It is really nice to get money back for buying things you need anyway.  Also during Christmas it is great because you can get some money back on all the gifts you buy so it doesn't seem so bad afterward.  Who couldn't use some money back after Christmas.

You are doing great.  Keep up the good work.  We are in this together and I know you can do this.

Making Money For Saving

Ok so now you have had time to go over all the other steps and get used to it.  Hopefully by now you have gotten the hang of things and have a system that works for you.  I know at first it takes some getting used to and sticking to it can be a challenge.  I have faith in you that you got this.  If I can do it I know you can too.

At this point you should have made a few of your weekly payments and even if it is small you should be seeing your balance slowly going down.  This is the goal.  No matter if it is a dollar a week or $100, the objective is to get the balance to be smaller.  It is not about how fast you go but getting the balance down is.  It is about still being able to eat but pay bills and start having an emergency  fund so credit cards are not always needed to solve an emergency.  We want those to be the last resort at this point.

So one way I make extra money is by using a site called INSTAGC.  To visit the site click http://www.instagc.com/420755  This can be used on computer or smart phone.  There are different ways to make money on this site.  You can watch videos, take survey, download games, even print coupons.  It is extremely easy.In my spare time this year I have made over $40.  Roughly $20 extra month so that is pretty good.  You can put that in your savings account or use it to make your weekly payments.  I have made about a $1 a day this month already.  Using my earnings from this site and another I will explain in another post I was able to buy my daughter a new backpack.  It cost $53 with shipping and I paid $0.  To the right is a picture that shows the type she got.  I got it from Amazon so I used my points for Amazon codes and put them on my balance until I had enough to pay for the whole thing.

So even if you only made $1 a day that would still be $30 extra a month.  That is $360 extra dollars a year. Think of what you could do to knock out debt or add to your savings with that much extra a year.  I am earning points as I type by watching videos.  It is really that easy.

In my next post I will go over some other money making tips that add up.  I hope you are learning on this journey.  Remember I am here with you taking the same journey.  We can do this together.

On To The Actual Saving

Ok so you now know how much you owe and how much you will dedicate to paying down this balance each week.  You have been thinking about the best way to use your taxes to your advantage.  You have put in the work to take back your money and now we are going to talk about how you can do all this and start to save some of it too.

I know when you are living paycheck to paycheck that building a savings account seems totally impossible.  The truth it is easier than you think.  Remember back when I talked about using cash only so you are more accountable for your money, well this is where that also helps your savings.

I want you to find a container it can be an actual piggy bank or a pickle jar.  It just has to hold money.  Now when you pay for something the change goes in the jar.  When the jar is full you roll it up and take it to the bank.  Now I actually save my $1 bills and my change but if you can not do that at least do the change.  It adds up and then if you need it you will have it.  You need to be dedicated though.  It means just because you want pop that day you can not go into the jar.  The savings isn't so you can buy a new t.v. later.  This is the saving you are building for real future emergencies.

Ok I am going to let all of this sink in.  I may not post for a couple days and if I do it might be on something different just so you can get working on this and get a feeling before I throw more at you.  Next we will start the different ways to earn some extra money to help with all of this.  There are so many different places claiming to pay you but through trial and error I have found some good ones that have helped me build up my cash.

Remember this is a journey and we are in it together.

Start Small

Ok so far we have talked about making your debt pay down book, and finding an amount that you are comfortable paying each week.  We made a quick side step and mentioned using tax money to pay some thing.  We will now get to the next step.  This is where the real work starts.  This is where you will actually start to pay off debt.

Every one has a different theory on this part.  Some say pay the bill with the highest interest rate while others say pay the amount that is smallest first.  Both are good ideas and can work.  I like the idea of seeing real progress though.  I want to know that me effort is making a difference in my debt.
This means I choose to pay the smallest bill first.  I actually just paid off one card and am now working on my second.  I feel like seeing a bill hit zero gives me motivation to keep going.  It is like having ice cream after a long day or your cheat day on a diet.  You can see that you are really making a difference in your debt.

So your job today is to find the bill that has the smallest amount owed.  I do not care what it is it just has to be the smallest.  This is the one you are going to work on first.  Now remember this is on top of your monthly payment.  So if it is big enough you will still get your monthly bill and you will pay the minimum that you always have but what ever the amount is that you decided was your extra amount you will pay this every week.

Currently I am working on my JcPenney bill.  I have $84 to go, so this week I will pay the $20 that I have dedicated to debt pay down.  I will have this bill paid off by the end of the month.  This will be the second bill I will have paid off and it is a great feeling.

Welcome to the journey.  I will be with you the whole way

Make a Commitment To Pay

In my last post I discussed the first step to getting out of debt and saving money.  Hopefully you have at least started putting together your debt down payment book.  I hope at this point you have a clear picture of what you are working with.

Now that you have seen the number it is time to start tackling what you can pay.  I know that having no extra money makes this part tough but you CAN do it.  I know because I am doing it right now.  You have to decide right now what you are going to commit to.  I do not care if it is $1, $5 or $50.  Right now you are making a decision about how much extra you are going to pay to a bill each week.  Yes I said each week.  It can be done and in future posts I will tell you how you can make extra money easily to put toward this.

Right now I just want you to make the commitment.  I personally chose $20.  It is a high number but it is what I chose.  Each week I pay $20 to the bill that needs to be worked on tight then.  This is not extra to every bill you are just committing to pay this amount to one bill so that makes it more achievable.

That is it for today.  I want you to look at what you can do.  Again if it is only $1.00 then that is where you start.  You may have to even buy one less pop during the week but you got this.  I make less than $18000 a year and I have picked $20 so I know you have $1 some where.

I happy to be on this journey with you and sharing what I have learned.  I know we can do this together.  You got this!

Merry Christmas

I just wanted to take a moment to wish every one a very merry Christmas.  This time of year is such a great time.  It is a time to slow down and be with family and friends.  I get to enjoy being with everyone.  I love the excitement of the year and being with my daughter.

Today we spent time with my parents.  We don't see them much any more since they moved up north from us.  We are lucky to still have them around so I love the time I get to spend with them.  It is a time to just relax and take in the world around us.  You know that the new year is right around the corner and so many possibilities are coming.

I have heard people say " who cares about the new year it is just going to be the same stuff another year longer".  Well I like to think that  it means we can look toward something new coming.  New year dreams, new adventures, new blessings, a time for new ideas.  I like to think of it as a fresh time to get going.  It is like how nature takes time to rest during winter and them blooms bright come spring.  Well that is what we can do with the new year. We come back refreshed from all the stuff that has happened over the past year.  Brush it off and think of the amazing adventure ahead.

With that said I hope you have a very blessed week ahead and smile as you look forward to all the possibilities  that are headed your way.

Happy Holidays from our house to yours.

Feeling Pretty Good

So for a long time things were really rough.  Then all of the sudden the other day I was sitting here doing my surveys and such and it hit me.  I was fine.  I wasn't stressed even though a lot of things were crazy.  I was relaxed and at peace with my situation.  I didn't care that things were going wrong. I was just enjoying sitting with my daughter and doing my thing.  It was a great feeling.

As you all know it has been a long time that things have been going crazy for me.  Every day I woke up worried about what was going to go wrong and would I make it just one more day.  This day it was all gone.  I wasn't worried, or stressed or anything of the sort.  I was just at peace.  It was an amazing moment for me.  It has been so long but I got there.  Every day since I have thought about that feeling and I keep it going.  Not every day is perfect and sunshine but I am still here.

I am also thinking about taking a big step into a career change where I am in charge.  I want to help people.  I want it to be in a big way though so I am thinking of becoming a life coach.  I can help people figure out what they want to do and how to get there.  I am not sure this is my true calling but it has been on my mind day after day for at least a week now so I am researching the topic.  I think it would be amazing to help others find their true passion and how to get there.

I am ready to change and do big things with my life.  I know I am poor in money but I am rich in faith and spirit.  I am going to make it.  So will you.

Weight Update

So I am down 5 pounds.  It is not a ton but it is a start.  I have continued to use the smoothies with the protein powder.  I have tried not to eat fast food as much and keep the sugary drinks low.  I will never completely cut out #coke but I do try to not over do it either.  My goal is no more than one a day but some times I have more than that and it is ok too.  I will be attempting to go back to the gym starting Monday however I have been in quite a bit of pain so we shall see how that starts out.

I am not trying to starve myself nor deprive myself.  I am just trying to be a healthier me and a more confident me.  You do not have to be a size 2 in order to be happy.  If you are being healthy and you are you are happy at a size 10 then that is fine too.  It is all about how you feel about yourself and if you are happy.  Now I am not promoting being 300 pounds and thinking that is fine but I am not saying you have to be a twig either.  If what you are doing is making you unhealthy or unhappy then you should fix it. You do not want to die at 35 because you loved cheeseburgers too much but having them now and then is not the end of the world

I will continue my journey until I am happy with the results.  I am not sure what size that will make me.  I do know that what ever size I end up it will be what I am happy with and not a number that some chart has labeled me as needing to be.

On To Healthier things

Awhile back I was going to take you on my journey of weight loss.  Unfortunately things did not work out the way I planned.  I was not on a good schedule and such.  Well I am going to get started again.  To update everyone I am no longer pregnant so I can start this journey again.  I will be honest so others can feel more secure in doing this as well.

I am starting out at 199 pounds.  This is quite big for me since I am only about 5 foot.  I gather all my fat in my mid section so it looks very odd.  I used to weigh about 104 pounds so I went up quite a bit obviously.  I hope you will join me in this if nothing else just to be a healthier you.  The whole goal is to be healthy.  I will tal about numbers but the real goal is to think more about our bodies.

My first effort is my morning smoothie.  I have a #Nutribullet and I use frozen fruit for the most part.  I do add bananas and apples at times as well.  I then add some protein powder and then blend it and take it to work with me.  I need to add exercise so I have a gym membership and intend to start going starting on Monday.  Lets do this together.  It is better when you have motivation and a group to do it with. The more support we all have the better we will do.

#letsgetmoving

Another Day of Testing

So as we have been discussing pregnancy in honest detail today took a crazy turn.  They still do not have answers for me about the extra stuff that is going on.  I feel awful all the time. This is not all sparkles and rainbows at all.  The testing sucks a whole lot.  Blood draws and urine tests then they were pushing on my ovaries which are what started the testing that found the baby.  I wanted to crawl off the exam table.

Then I have to make amends with the fact that this pregnancy might not last any way due to other factors and health reasons.  That was weird to hear really.  I am older and things get more complicated and then there is the fact of health and everything that I am already prone to issues with.

I have only known for about a week now so it really hasn't affected me either way to be completely honest.  The dad has said he will be supportive no matter what happens.  He is by my side figuratively speaking as much as I need him.  He has been great for an ear everyday so that has been nice.  My daughter's father made me as miserable as possible during my whole pregnancy.  Having some one to just listen to  my frustration is more helpful than you can imagine.

For some this all might be too honest.  I think it is only fair that we can really discuss the reality of the situation.  Not all pregnancies are the same.  Not everyone has the same support system that is super supportive and there every second.  Not everyone has the easiest most pleasant experience either.  I apologize if it is too honest but I think it is fair to everyone to get all the details in an honest fashion.

Happy Mother's Day

I was not prepared for what becoming a Mother really meant.  It is a huge sacrifice of your former self.  It has no manual to tell you what to do for any particular event that may come.  There is no pay, time off or anything that would be associated with regular employment.  None the less it is a position I proudly hold.

Our life together has not been easy since the beginning.  We have had our fair share of challenges to say the least.  The thing is at the end of the day we are together so the hard stuff isn't as bad.  I am able to see my daughter grow up into the amazing person that she is.  Becoming a Mom has changed me for the better.  I can not say where I would be if I had not become a Mom.

Being able to take care of my daughter and show her of to the the world is an amazing feeling.  She is really my greatest accomplishment.  There are so many things that I could have changed about the way I handle being a Mom but then would she be the same person.

So to all the Mom's who have put there children first and sleep last.  For doing your best to make the world just a little better by being there for them.  I shout to you HAPPY MOTHER'S DAY!  May each year be better than the one before

When Kids Grow Up

As a parent we all want to treasure those moments when our children are little.  We love how they are constantly learning new things.  Everyday is a new adventure.  We get to have so much fun and get so much joy out of their experiences.  It is the joy of parenting.

The problem is they are growing up a little each day.  They know it is happening and are very eager to get to the next step.  As parents we just see our little baby playing and having fun.  Then BAM! suddenly it starts to set in to you they are growing up.  They are no longer a baby but they are learning to be more independent.

The hardest hit for me so far was realizing my daughter is a teen and she is really only 3 years away from being an adult.  It is hard to accept the fact that eventually she is going to be the one making all her choices and she will not have to listen to me about how to be careful or make sure you are doing this and that.  She is developing into a young lady and there is nothing I can do to stop what is happening.

Here is my advice.  Let them be little for as long as you can.  Do not force them to be older than they are.  They will grow up soon enough so let them go.  Let them get messy, be crazy, have lazy days, have pj day.  Soon enough they will have a fashion sense of their own, they will have activities they will need to attend to. They will worry if they look ok no matter what their fashion preference is. IT IS OK TO LET THEM BE LITTLE!  If your kid is not going potty at 1.5 do not let the parents who have kids at 1 using the potty get you down.  Chances are they are forcing their child before they are really ready and that could be scaring their kid.  Now if they are 5 in diapers then maybe you want to push a little more but even then maybe they are just late bloomers.  Lord knows my daughter is blooming far behind the other but I am ok with that.

The day will come that she has to be responsible and she will learn to get through it just like the rest of us have.  Soon enough I will be older and it will be her helping me make sure things are in order or I am getting around my house ok.  So for now I want her to be 14.  I want her to have 14 year old things to do.  I want her to look 14.  Soon enough she will be 18 and that is when it will time for her to look and act 18. Until then she is my little girl and I am not trying to rush a second of any of it.

Happy New Year!

So it is 2015.  Hopefully you have learned a few tips to give you a great year.  I am really excited about this year.  I feel like I am going to get somewhere.  I feel like that My debt is going to be gone this year other than student loans.  Those are going to be the last things I tackle.  I will be using the many I get from saving so much to make the payment.  It will be refreshing to know that is the end of my debt.

I hope that you guys will have a great year and start to get ahead on your debt.  It is really a great feeling to get to keep some of that money you work so hard to make.  It is tiring to go to work every day and have nothing to show for it.  I will be so excited when I start getting paid and the money is actually mine to do as I wish not figure out who I can pay this week and who will have to wait until the next payday.  I get 3 pay checks this month and taxes are right around the corner.

The best thing about taxes is you can pay off something.  I don't care if it is the smallest bill you have, pay it off.  That will free up not only your money but it will help free you from stress.  Then you can concentrate on other bills.  I already know what I am doing with my taxes.  I have been planning it for months.  I know what I want to accomplish when I get my return.  I know what I need to do to get ahead.

You should sit down and make a list.  It doesn't matter if you don't know how much you are going to get.  You know what you need to pay off.  So put it in writing from most important to what you would like to pay off but can wait a minute.  The goal is to be ready so when that money gets there.  You will have a set plan.  Then you follow it.  That is all there is too it.  Now if between now and then something major happens you can adjust the list but the main thing is to be ready and have a plan.  The problem is that most people get so excited about getting them they start thinking about all the stuff they can buy.  They make these purchases but never take care of the old debt so then they have all this new stuff but still no money.  Not a good plan.  You just start regretting what you did and then you really can't enjoy the new stuff.

So I hope you will join me this year in making this year our best debt free year ever.  I hope that you will find your way to becoming debt free.  What ever works for you I hope you will use it and get to a comfortable relationship with your money.

Where Is Everyone??????

So I am writing these posts hoping I am helping some one out there.  I would really like to hear any feed back you have.  If you want me to change anything or add something.  I really hope that something I have said is useful to any one out there.  I have more helpful tips to share but I want to make sure that people are actually seeing them.

If you have questions or even some input of your own I would love to hear from you.  I would love the interaction from you guys.  I am doing this to help you so what ever you want to add please feel free.  Just like in school, no question is too small.  You may have the same question as some else and if we share we can all help each other and make our lives a little better.