What Every Mom Needs to Know About Insurance

As parents, it’s our responsibility to make sure our kids are cared for. We go out of our way to keep our kids safe, from buying bicycle helmets to Band-Aids to winter coats, right down to holding their hand when they cross the street.

Most of us worry endlessly about our kids’ well-being. I know I do! But as much as we worry about the little things, it’s sometimes easy to let the big things, those risks and dangers that are a little more intangible—slip by ignored or unattended to.

A big part of protecting our kids, as well as securing financial peace, is making sure our families are covered for the big things including natural disasters, an injury or illness, job loss, or worse. Even so, it can sometimes be hard to determine exactly what coverage you need, especially when it seems like most insurance salesmen only want to play on your emotions.

When money is tight, you certainly don’t want to overspend on coverage that you don’t need, but you need be protected from major catastrophe. The best approach is to do your research ahead of time and be aware of the state of your family’s finances before you get a sales pitch.

It is important to remember that it’s not the insurance agency’s role to make sure you’re getting the best deal on insurance. It is up to you to be your own advocate and to get the best rate. Insurance isn’t something you can put on the back burner and just pay each month.

To get the best rates, you must continuously (at least once a year) revisit your insurance policies and do some comparison shopping. Plans and offers are constantly changing to meet the needs of the market. Rates can fluctuate as your family’s needs and situation change as well. Adding another driver, building on an addition to your home, changing your security system, or bringing a new member of your family into the world can all raise insurance questions and call for a little guidance.

There are seven types of insurance that you NEED: Homeowners/Renters, Auto, Health, Disability, Long-Term Care, Identity Theft, and Life.

Other insurances you should consider is also boat, farm and travel.

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Home

If you’re paying a mortgage, the lender requires homeowner’s coverage, but even if you’re lucky enough to own your home outright, you want to be sure that you’re protected.

For renters, insurance protects your possessions in case of fire, theft and, in some cases, flood. Renters insurance is often thought of as optional, but as a parent, you must cover yourself in case of tragedy. Renters insurance is often really quite inexpensive (less than $20/month!) and it’s very important if you have big-ticket items that might be difficult to replace, such as audio equipment, collectables, exercise gear, televisions and appliances. Take inventory of your household and make a list of those larger items that could be damaged or stolen, and would result in major financial hardship if you’d have to replace them.

There are several ways to save on homeowner and renter’s insurance. You can raise your deductible, combine policies and do some home improvements and emergency preparations to raise the protection level on your home. Improvements to home security can also help you save, as can new windows, doors, and extreme weather protection.

Auto

 When we think insurance, auto insurance is often the first thing that comes to mind. Driving is possibly the highest risk activity that any of us do almost every day, and we all know the importance of having liability coverage. In many states, it’s now illegal to operate a vehicle without liability insurance or proof of financial responsibility.

In our litigious society, unfortunately, coverage is mandatory to protect yourself from financial ruin in case of an accident or driving mistake. One moment can change your life and the life of another driver forever. Trust me, your mind will be at ease when you know you’re protected.

When it comes to auto insurance, the value of your vehicle is important when you’re determining the amount of coverage and type of insurance you need. If your car is in its twilight years, you may feel comfortable with less coverage or just liability. If you have a newer car (or if you’re paying off a car loan), you need to have full coverage to keep your investment safe.

There are several other ways to save on car insurance. Shop around, compare rates, and don’t become too loyal to just one agency or provider. There are good driver discounts, multiple car discounts, and even good grade programs for driving teens and students. Installing safety upgrades or attending defensive driving courses can also help lower your monthly payments and save you when it comes to paying for coverage.

family health insurance coverage

Health

Health insurance is so important. As parents, we know we must take children to the doctor for regular checkups. We also know that serious health issues can come out of nowhere, and without coverage they can leave households financially devastated. For the many of us just surviving in todays middleclass, we make enough to pay all our bills, not enough for the extras, and too much for any assistance such as government plan health insurance such as Medicaid, family health plus and their attached HMO plans.

Many employers offer health insurance at a cost which also requires deductibles and co-pays, but if yours does not, or if you’re independently employed, private insurance providers are available. Under the Affordable Care Act, you may qualify for low-cost coverage based on your income. Keep in mind though, low-cost means anywhere from $200-$400 per person a month with deductibles and co-pays which is low cost for health insurance.

Consider a Health Savings Account and/or a high deductible plan to save the most. An HSA can save families thousands of tax-free dollars every year, which you can use toward your deductible, so your monthly premium will be lower. You can use your HSA for prescriptions, and depending on the plan, eye exams and preventative care.

Disability

Disability insurance should cover 65% of your income, and most employers offer disability coverage. It’s often something that’s overlooked, but one in seven workers will face a disability before retirement.

You should be sure your disability insurance is long-term. My personal opinion is that you should have 3–6 months of expenses saved up, which would cover your needs in the case of a short-term or minor disability. It’s the long-term scenarios that you should plan for. Most disabilities (90%) are not covered by worker’s comp or social security.

The effects of a disability can financially ruin a family if you’re not properly prepared. Many workers facing disabilities can be out of work for three years or more. Consider what would happen to your family should they face an unforeseen accident or tragedy that leaves you unable to work.

Long-Term Care

As a parent, long-term care is not necessarily something that’s on any of our minds, but it’s a necessity for anyone over age 60. If your parents cannot afford long-term care insurance, this may be something you want to consider.

Consider the scenario of a parent who is facing a condition like dementia, Alzheimer’s or Parkinson’s disease, and requires long-term care. This situation can quickly eat up your parents’ retirement savings and even dip into your own savings and accounts. Those who qualify for Medicaid will receive some assistance, but it often leaves patients with limited options and plans for complete care.

As you near your 60s, long-term care should be on your horizon and part of your post-retirement financial plan. It’s a way to make sure you don’t financially burden your children or spouse and ensures you won’t leave them unable to make ends meet.

Identity Theft

If you’ve never faced the horror in dealing with having your identity stolen, then consider yourself very lucky. With data breaches on the rise among major retailers, it seems like everyone is at risk. Identity theft can cost you big-time in terms of time, money, effort, and just general headaches. In a worst-case scenario, identity theft can damage your credit and make recovery very difficult—even if you’re an innocent victim.

Part of your insurance portfolio should include identity theft protection. You should be sure it includes an identity restoration service that can fix the damage and get your identity restored and safe once again. Teaching your family good identity-safety habits such as limiting your exposure online and protecting your passwords can help protect you as well, but should the worst happen, insurance will be a lifesaver.

Long Island Insurance Company

Life

Life insurance can be a little confusing. The general rule of thumb is you need term, not whole life. Cash value insurance can sound like a great way to invest and save money, but truth be told, it doesn’t offer high returns at all and generally is a poor performing product.

Term life insurance, on the other hand, is a way to cover yourself until you’re debt free and in a position to invest. It offers a way to help your spouse or children settle your estate and survive in relative comfort should something happen to you.

Term life insurance can help you cover burial costs and the costs of paying off your debt, plus further support of your family, particularly if you’re the sole breadwinner.

Facing uncertain scenarios in life is always unsettling, but having the proper insurance coverage can ease your mind and allow you to sleep a little easier at night. Look into the faces of your children and think of all the ways you would love to keep them safe. Insurance is one of the most simple, practical, and logical ways to protect your loved ones. 

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Week 3 of Budget 101

Part 3: Save on the Big Things

After spending the last week sorting out your budget and then recording all your purchases, you hopefully now have a fairly clear idea of where your money is going.  Over the next 6 weeks be sure to keep those worksheets handy–you will need to adjust your amounts as we work to lower expenses in the various categories.  Be sure to also continue recording all your purchases in the expense tracking worksheet too!
(NOTE: If you are new to “Through The Eyes Of I” or missed out last week, you might want to start at Week 1 of Budget 101 before starting this week’s assignment!)

This week we are going to tackle lowering the BIG 3:  Housing, Transportation, & Insurance.  I will readily admit that this is not my area of expertise.  Not even close. From this point forward it should be known that you are taking financial advice from a girl who thinks a cute pair of designer shoes or a great book is a perfectly reasonable investment, not just an impulse buy.

In other words, some of this stuff is a little over my head.

Since this kind of stuff overwhelms me, I’m guessing that it probably overwhelms many of you too. So let’s figure it out together and be better for it.  Luckily for us, the internet is a vast pool of knowledge.  This week, we’re going swimming.

I think the most important thing to keep in mind when it comes to your finances and the money you’re spending is this premise: Everything is negotiable.  

The great thing about NOT being socialists is that we live in a country where companies have to compete for OUR business. This is something they don’t really want you to figure out.  Most companies would rather have you believe that they are doing you a favor by financing your home or car, or providing insurance, because if you believe that, you’ll pay whatever they tell you to.  The truth is that they NEED your business, and that if they are not willing to negotiate, there is probably someone else out there who will.

Knowledge is power; use it to your advantage!

When it comes to saving money on your housing costs there are a lot of factors that will come in to play, far too many to get into specifics here.  Do you rent or own?  Do you owe more on your house than it’s worth?  Are you looking to buy?  Are you in an apartment? Is your lease coming due soon?  Your individual circumstances will determine your course of action, or even whether there is a course of action possible.

As far as transportation costs go, unless your vehicle is constantly in need of repair or way more expensive than you can afford, it is almost always more cost effective to stick with the car you have than get a different vehicle. Thus, your current car payment is probably not going to change much.  That said, if you need a new car, it is almost always better to buy used than to lease or buy something brand new. Your auto insurance, on the other hand, can definitely be negotiated!

Likewise, health, life, & home insurance prices can also be negotiated and shopping around pays.  When my Husband and I needed health insurance last year, we took a lot of time to price things out.  When we took into consideration how little we actually go to the doctor, we discovered that it made a lot more sense financially to buy only catastrophic coverage with a high deductable, then to pay a huge premium each month for medical coverage we weren’t using.  As with most things, it is very important to do the math!

How to negotiate when chartering a gulet

Here is your assignment:

1. Research options for lowering your mortgage payment or rent

Once you’ve done your homework, decide if making some changes or re-negotiating your rent or mortgage would be the right solution for your family.  I found some awesome, super informative, and, most importantly, short articles to start with:

How to Lower Your Mortgage Payment Without Refinancing (homeowners)

How to Negotiate Low Mortgage Interest Rates [Video] (homeowners)

I Owe More Than My House Is Worth (homeowners underwater)

How to get the best mortgage rate (looking to buy a home)

How to negotiate lower rent (renters)

Tips for Reducing your Insurance Premium

2. Research options for lowering your insurance rates

If you haven’t shopped around for auto, homeowners, health, or life insurance lately (or ever) then you need to.  Do some due diligence to find out what options are available, then make some phone calls (or send some emails) and get new quotes.  You might be surprised at how much money you can save.

 Here are some great articles I recently wrote to get you going:

What Every Mom Needs to Know About Insurance

9 Smart Ways to Save on Car Insurance

12 Smart Ways to Save on Home Insurance

It’s only two tasks, but this should be plenty to keep you busy this week!  If it seems daunting, just remember that every dollar saved on your mortgage, rent, vehicle, or insurance is a dollar that can be spent on shoes.
Stay tuned for another riveting installment next Sunday and don’t forget to let me know how you’re doing! What big things do you want to save money on?  Do you think it will be possible?  What is something you know you can’t save on?

About Budget 101

My goal for this series is to guide you through a series of assignments intended to put you on a sounder financial footing.  Basically it is eight weeks to a better budget. It is my personal guide, a beginners budget 101. Each week we will tackle one specific area for us to work on, and then complete assignments related to that segment of our financial life. Keep in mind, just as anything you need to do in life, following this series will take some effort & commitment on your part. There are many ways to budget your financial life, and this is the blood, sweat, & tears edition. Okay, well maybe no blood 🙂 Every Sunday will mark a new week towards a better budget. Come join me and save! Click on Budget 101 in the menu scale, and use the drop down to view the series by week.

Disclaimers: 

  • I am not a financial expert or certified financial planner.  I have degrees in business administration, criminal and business law, have studied accounting, and am a certified tax preparer and tutor.  I have no credentials whatsoever beyond my own experience to qualify me for teaching anyone about saving money.  There are plenty of money experts out there who could probably explain this stuff far better than me, and some I will even refer you to.  My only goal here is to try to break down the scary world of budgets and saving into manageable bites.  Yes, this is the baby steps guide to saving. This is my personal guide, and it has worked for me.

Week 1 of Budget 101

Welcome to My Beginner’s Guide to Saving!

My goal for this series is to guide you through a series of assignments intended to put you on sounder financial footing.  Basically it is eight weeks to a better budget. Being that you are reading this, you are starting a lifestyle to a better you, and  better financial situation.

Part One: Stop Spending!!!

Saving is not easy. We live in a crazy consumer driven “have to have it” society, where the latest electronics, cars, fashions and cars are constantly being promoted; and we are made to feel like we’re missing out if we don’t have the latest or the best.  The sheer quantity of stuff available to purchase at any given time is pretty much a bottomless pit.  There is always more, more more! So we want and spend more, more, more!

So what’s a girl (or boy) to do?

Well, it’s pretty simple really:  STOP. BUYING. STUFF.

At least in theory it is simple…….

In practice, it is sooooo much harder……

Our reasons for spending money on stuff we don’t need are plentiful and varied.  It makes us feel good.  We want to look better.  We want our house to be pretty.  We want what everyone else has.  It’s fun.  We’re bored.  We’re lonely.  We want people to like us better.  We want to be “ahead of the curve.” We’re “tech junkies”.  We can’t pass up a “good deal.” We think we might need it someday.  The sales pitch worked.  We’re stressed.  We’re trying to fill a void.  It was on sale.  We’re addicted to Starbucks, tobacco, scrapbooking, shoes, video games, books, fun, etc.

Sound familiar?

The truth is that whatever the reason, much of what we spend our money on is unnecessary, a want rather than a need.  I need to eat, but I want to drink my Keurig K-Cups coffee every day. I need to wear shoes, but I want to have dozens of pairs in every color and style imaginable. I want to get my hair done, but I have student loans and bills I need to pay. I want to take dance classes, but I need to pay for health insurance every month (why is insurance so much anyways?…347.00 a month!)  😦  So much for AFFORDABLE in Affordable Care Act.

It is so very important to realize the distinction between what we think we need and what we actually need. But its not an issue of wants Vs. needs, but wants Vs. Priorities.

It is the first critical step on the path to savings.

Don’t get me wrong, I’m not saying you should never spend money on anything, and live an austere and boring life, void of pretty things, entertainment or yummy coffee drinks.

But for the sake of this series, we are going to start by curbing all spending so that down the road we can figure out how to get those things we want in a way that fits our budget.

Which brings me to this week’s assignment:

1.  Stop spending!

Try to go these next seven days without spending money on anything except what is absolutely necessary, as in matter-of-survival necessary.  No clothes, no candy, no quick stops at McDonalds, no craft supplies, no nothing.  Don’t worry, it’s only a week.  You won’t die.  I promise. It is a great way to get your budget back on track in a hurry!

2.  Make a list of wants and needs

Spend your time reflecting on all the things you spend money on in a months time, and divide those things into a “needs” list (i.e.  I need to pay rent, pay utility bills, pay health and life insurance bills, buy food, make car and insurance payment, etc.) and a “wants” list (cable, , Starbucks, etc.)

  •  Don’t just make a mental list.  Sit down and physically write down every single thing you can think of that you spend money on, from the mundane to the major.

3. Get inspired

Read a few financial articles to get yourself motivated.  It will give you something to do while you’re trying not to spend money.

4.  Find new (free) ways to fill your time

Think long and hard about the reasons you spend money frivelously.  If you are using shopping as a way to fill a void in your life then you need to seriously explore other hobbies that don’t cost anything.  Go to the library and check out some new books, make it your mission to explore every park in a 20 mile radius, set a goal of organizing every closet and cupboard in your house by the end of the summer, or better yet, have a yard sale and make some money off the things that you already have that you don’t need.

I think the thing that surprised me the most when I stopped spending money out of boredom was how much more creative I became.  The world is full of free activities. You just have to look a little harder.

And that’s it for this week!  Stay tuned for another riveting installment next Sunday and remember, I want to hear from you!  If you’ve decided to take this 8 week challenge, or if you have any ideas for fun free activities you’d like to share, please leave a comment below.  Saving money is so much more fun when you have someone to share it with.
Samantha Jonas-Rongo

Don’t Sign That Lease Yet

When looking for a living rental, whether being an apartment, loft or house; you may have a lot lingering in your head such as, questions, expectations, plans and maybe even excitement or stress. Perhaps you’re excited about turning your new place into a home and decorate (which is my favorite), or you are nervous about your move. No matter what your situation, when shopping for living rentals, the most important thing you must do is to thoroughly study your lease before signing it. Aside from reviewing the lease, always ask your landlord or apartment manager questions about renting, or about any other aspect of life in your perspective new dwelling. He or she should be helpful and must address all your queries, and more importantly, put what you’ve discussed into writing in case you have to return back to it for reference. Whatever you do, always read your lease, and don’t adjourn it for after you sign it.

Image result for read lease first

So, what are some important questions to ask when looking at rentals before signing a lease???

  • How much is the rent?
    • Questions about rent cost are very basic yet very crucial, as the apartment must fit your budget of course. You may be able to even negotiate a change in the rents price, but some landlords are settled for what they want to rent their property for. Keep in mind that it may send a red flag that you may have difficulties in paying your rent if you ask to lower the price.
  • When is the rent due?
    • Usually rent is due on the first of every month, but it may be different due to your move in date. Sometimes an extension is available, so ask if there is one, and if there is interest or a fee attached to your late payment.
  • What is the length of the lease?
    • Some leases are month to month, every half year or yearly. If you are renting a room, a lease is normally weekly, bi-weekly, monthly or yearly. It is also important to be aware of what happens when your lease is up since some landlords do renew the lease, and some may just void it and allow the tenant to stay as long as they continue to pay their rent.
  • Under what circumstances can I break the lease?
    • Some landlords allow their tenants to break their lease once they prove that they have been relocated for work or have purchased a house, keep in mind that not all do. Some landlords or agencies may even allow you to break your lease due do crime such as a burglary. A few years ago, my apartment was robbed while I was at school, and my landlord allowed me to break my year lease since I was worried I may be targeted again because I was barely home and lived by myself. Leases can also be broken if the landlord does not keep their end of the bargain as well.
  • Which utilities am I responsible for?
    • Utilities make a big impact in apartment costs, so be sure to gather as much information about them as possible. If you are responsible for electricity, heat, trash and/or water, you want to make sure you can afford those payments within your budget. If utilities are included, you should know if there are any limitations. Some places have a set thermostat with a limit temperature and timer included when heat is included.
  • What is the cost of the utilities for the apartment I would like to rent?
    • To help budget your cost, ask the property owner what is the normal monthly rate for utilities. If he or he is unaware, you have the ability to call your local utility companies, and request an estimate based upon the past usage of previous tenants.

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  • Is the heating electric or gas?
    • Generally it is cheaper to heat water with gas than with electric. Electricity costs about four times as much as natural gas for the same amount of heat. If a dwelling is heated by electricity, it’s especially important to call the utility company to find out about past electric bills at that address.
  • Who is responsible for hot water?
    • Sometimes the landlord pays for hot water, and sometimes tenants pay. Hot water is often the second biggest part of your utility bill, so it’s important to ask this question before renting. Again, call the utility company to find out what past gas and electric bills have been for that address.
  • Am I provided with cable, satellite service or internet?
    • Some places include internet with a monthly limit of GB usage while cable may only include only certain channels.
  • Who is in charge of yard work?
    • Some rentals include yard work such as snow plowing, and mowing of grass as well as bush trimming in the rent. Not all rentals include these services and it is the tenants responsibility to care for the properties yard. My rent includes all yard work, except my own personal gardening of course 🙂

Image result for street parking signs

  • What is the parking situation?
    • This is a very important question if you own a car. Check if you will be provided with your own parking spot, and ask whether your guests can use other parking spaces when they visit your place. If there are no off street parking spaces available, it’s good to know where parking on the street is available, the distance from there to your dwelling, as well as the city/town laws in regard to parking on the street. Some cities have alternating parking days while others may not.
  • Can I make improvements in the apartment?
    • We sometimes may not like how the sink or shower spits out water, and may want to change faucets. Check and see if there is anything in the dwelling that you would like to have changed, and see if you can change it. Some landlords may even deduct from your rent if you show proof of cost for your efforts.
  • Can I re-paint or hang décor?
    • This is important as well. You might have found the perfect location, but what if its walls are painted in a dreadful color? Some landlords will allow you to re-paint while others won’t. Some rentals also will not allow to have anything hanging on the walls due to the potential damage from drilling holes or hammering nails. Details about redesigning should be included in the lease.
  • Is there a lot of noise? Are there rules to noise?
    • If noise is a huge issue for you, you better make sure you know if other tenants or neighbors make a lot of it. If you are one who creates the noise, ask what are the limits, and if it will be a problem. You have to show neighbors respect no matter where you move. Having company shouldn’t be an issue, but when it’s loud company, it can be.
  • Can I have pets?
    • Ask about the pet policies. Each place will have its own set of rules and regulations about pet ownership. Some will allow pets while others won’t. Some communities are very particular and will even look into a pet’s breed type and weight. Additional security deposits may apply for your pet, and you should be aware, just as the landlord should be aware of your pet’s presence.
  • Can I sublease?
    • In some rentals, you will be allowed to take in a roommate or perhaps, add another name to the lease after moving in. Make sure this option is available in case you are in need for the extra help with expenses or just want to help out a family or friend.

When looking at rentals and asking questions, try to think in both the long and short term. There are lots of rentals out there, and asking the right questions is key to choosing the best one for you.

Samantha Jonas-Rongo

7 Awesome Charities To Donate To This Year

Click on the links I provided below the video to Donate

Breast Cancer Research Foundation

Leukemia & Lymphoma Society

Generosity.org

March Of Dimes

Ryes Center

VH1 Save The Music

Make A Wish

Language Barriers Create Country Borders

Image result for language barrier

We all should learn a new language not just to communicate, but to be able to get a better understanding of others around us. We need to start the process for the generations to come to live life where we all get along and live in a world where we survive together instead of fighting one another. We should be able to live in a world without borders or barriers, but it begins with language……Samantha E. Jonas-Rongo

我們都應該學習一種新的語言不只是溝通,但要能更好地理解我們周圍的人。我們需要啟動該進程為世世代代居住生活的地方,我們都相處和生活在一個世界裡,我們生存的戰鬥,而不是彼此在一起。我們應該能夠生活在一個沒有邊界或障礙,但它開始用語言。……Samantha E. Jonas-Rongo

Todos deberíamos aprender un nuevo idioma no sólo para comunicarse, sino ser capaz de obtener una mejor comprensión de los que nos rodean. Tenemos que empezar el proceso para las generaciones por venir a vivir la vida en el que todos llevamos y vivimos en un mundo donde sobrevivimos juntos en lugar de luchar entre sí. Debemos ser capaces de vivir en un mundo sin fronteras ni barreras, pero comienza con el lenguaje…….Samantha E. Jonas-Rongo

Мы все должны выучить новый язык не только для общения, но, чтобы иметь возможность получить лучшее понимание окружающих нас. Мы должны начать процесс для будущих поколений жить жизнью, где все мы вместе и жить в мире, где мы выживаем вместе, а не бороться друг с другом. Мы должны быть в состоянии жить в мире без границ и барьеров, но это начинается с языка…….Samantha E. Jonas-Rongo

Nous devrions tous apprendre une nouvelle langue et pas seulement de communiquer , mais pour être en mesure d’obtenir une meilleure compréhension des autres autour de nous . Nous devons commencer le processus pour les générations à venir de vivre la vie où nous entendons tous et nous vivons dans un monde où nous survivons ensemble au lieu de se battre les uns les autres . Nous devrions être en mesure de vivre dans un monde sans frontières ni barrières , mais il commence avec la langue…….Samantha E. Jonas-Rongo

يجب علينا جميعا أن نتعلم لغة جديدة ليس فقط للتواصل، ولكن لتكون قادرة على الحصول على فهم أفضل من الآخرين من حولنا. نحن بحاجة للبدء في عملية للأجيال القادمة أن تعيش حياة حيث أننا جميعا الحصول على طول ونعيش في عالم حيث نعيش معا بدلا من محاربة بعضهم البعض. يجب أن نكون قادرين على العيش في عالم من دون حدود أو حواجز، ولكنها تبدأ مع اللغة…….Samantha E. Jonas-Rongo

Noi tutti dovremmo imparare una nuova lingua, non solo per comunicare, ma per essere in grado di ottenere una migliore comprensione di altri intorno a noi. Abbiamo bisogno di avviare il processo per le generazioni a venire a vivere la vita in cui siamo tutti d’accordo e viviamo in un mondo in cui sopravviviamo insieme invece di combattere l’un l’altro. Dovremmo essere in grado di vivere in un mondo senza confini o barriere, ma inizia con il linguaggio…….Samantha E. Jonas-Rongo

Tất cả chúng ta nên học một ngôn ngữ mới không chỉ để giao tiếp, nhưng để có thể có được một sự hiểu biết tốt hơn về những người khác xung quanh chúng ta. Chúng tôi cần phải bắt đầu quá trình cho các thế hệ mai để sống cuộc sống mà tất cả chúng ta được cùng sống trong một thế giới mà chúng ta tồn tại với nhau thay vì chiến đấu với nhau. Chúng tôi sẽ có thể sống trong một thế giới không biên giới hoặc các rào cản, nhưng nó bắt đầu với ngôn ngữ…….Samantha E. Jonas-Rongo

Dapat namin ang lahat ng malaman ng isang bagong wika ay hindi lamang upang makipag-usap, ngunit upang magagawang upang makakuha ng isang mas mahusay na pag-unawa ng iba sa paligid sa amin. Kailangan namin upang simulan ang proseso para sa mga darating na henerasyon sa live na buhay na kung saan namin ang lahat ng makakuha ng kasama at mabuhay sa isang mundo kung saan nagpapatuloy kami magkasama sa halip na labanan ang isa’t isa. Kami ay dapat ma upang mabuhay sa isang daigdig na walang hangganan o hadlang, ngunit ito ay nagsisimula sa wika…….Samantha E. Jonas-Rongo

Մենք բոլորս պետք է սովորել նոր լեզու է ոչ միայն շփվելու, այլեւ կարողանան ստանալ ավելի լավ հասկանալ, թե ուրիշների շրջապատում: Մենք պետք է սկսել գործընթացը, որ սերունդների է ապրել կյանքը, որտեղ մենք բոլորս միասին, եւ ապրել մի աշխարհում, որտեղ մենք գոյատեւել միասին, այլ ոչ թե պայքարում են մեկը մյուսին. Մենք պետք է կարողանանք ապրել մի աշխարհում, առանց սահմանների եւ արգելքների, բայց դա սկսվում լեզվով…….Samantha E. Jonas-Rongo

Wir alle sollten eine neue Sprache nicht nur zu kommunizieren, aber in der Lage, ein besseres Verständnis der anderen um uns herum zu sein zu lernen. Wir müssen den Prozess zu starten für die kommenden Generationen zu leben, wo wir alle zusammen zu bekommen und leben in einer Welt, wo wir zusammen statt gegeneinander kämpfen zu überleben leben. Wir sollten in der Lage, in einer Welt ohne Grenzen oder Barrieren zu leben, aber es beginnt mit der Sprache…….Samantha E. Jonas-Rongo

Ba chóir dúinn go léir teanga nua ní hamháin a chur in iúl, ach a bheith in ann a fháil tuiscint níos fearr ar dhaoine eile thart timpeall orainn a fhoghlaim. Ní mór dúinn chun tús a chur le próiseas do na glúine atá le teacht an saol nuair a fháil againn go léir chomh maith agus ag maireachtáil i ndomhan ina maireachtáil againn le chéile in ionad an troid a chéile chun maireachtáil. Ba cheart dúinn a bheith in ann maireachtáil i ndomhan gan teorainneacha nó bacainní, ach tosaíonn sé le teanga…….Samantha E. Jonas-Rongo

Waxaan oo dhan waa iney bartaan luqad cusub ma ahan oo keliya in ay la xiriiraan, laakiin si ay u awoodaan in ay helaan faham wanaagsan oo dadka nagu wareegsan. Waxaan u baahanahay si ay u bilaabaan habka loo jiilasha soosocda in ay ku noolaadaan nolol halka aan dhan u hesho iyo ku noolnahay adduun halkaas oo aan ku noolaan wada halkii ay dagaal midba midka kale. Waa in aan awoodin in ay ku noolaadaan dunida oo aan xuduudaha ama caqabadaha, laakiin waxay ka bilaabanaysaa afka…….Samantha E. Jonas-Rongo

Ние всички трябва да научат нов език не само да общуват, но за да бъде в състояние да получи по-добро разбиране на другите около нас. Ние трябва да започне процеса за идните поколения да живеят живот, където всички ние се разбираме и да живеем в един свят, където можем да оцелеят заедно, вместо да се биете един на друг. Трябва да можем да живеем в свят без граници или бариери, но тя започва с език…….Samantha E. Jonas-Rongo

My Fashion Apparel, Mixing Tips and Sketches

Fashion Apparel, Mixing Tips and Sketches
Samantha Jonas-Rongo
I haven’t met a woman who doesn’t like or appreciate good fashion, but then again, fashion is in the eye of the beholder as beauty is. So ones fashion sense may not be another’s pick of choice. For example, even though mixing print is trending, I rather keep my look more matching. I enjoy a more classy, patterns on minimum, soft tone colored and chic look for my wardrobe. I can put together and pull off a great outfit that is mixing and colorful, but I tend to see many mistakes that other woman make while attempting that creative trend.
 I personally don’t wear too busy of clothing so I can finish making a statement with my jewelry, scarf if wearing one, and especially with my shoes, but still have space to do extra work with my hair and makeup. I like to even out my style so I won’t look like a puzzle put together with 8 different puzzle’s pieces. I don’t want my outfit  to look disoriented and dysfunctional. Pairing together an outfit with pattern leggings can also be great, but when the whole outfit is properly pulled off. So again, be careful with the print and color.
how to wear tights
One person I know personally comes to mind when I think of all the mixing Don’ts, along with adding too much color and brightness. When she believes she looks great, I’m on the other end thinking, “Please don’t wear that again”, but since her and I don’t get along that great, and she had the audacity to speak upon my clothing after I had a traumatic fire that damaged all of my things except the clothes on my back, and any money I had earned from work I spent only towards my basic needs and housing, I don’t mind laughing inside and joking later of her fashion failure. It may sound cruel, but trust me, she deserves it. What woman, and one who’s a  mother, picks on a beautiful, talented, intelligent, achieved, and successful woman who just lost everything? Not just that, but whose priorities are straight enough to put getting a new home in a month, over living from house to house for months, buying clothing? Yes, she was the real joke. I may have not been the best dressed, but I rather have a new home, which I did in only a month.
Anyway,  I also see this individual over wearing leggings, creating almost every outfit wearing a pair, but wearing them very wrong at that. Not to be continuously picking on this gal, but her fashion sense, needs some sense. I’m actually still trying to figure out when did leggings stop being worn under skirts and dresses, or while working out or doing yoga, and becoming the next replacement for pants. Yes wearing them with a long shirt, long jacket/sweater or long button up looks great, but a t-shirt or short shirt or fleeces/ hoodie as an outfit not for working out……. NO!!! Please stop!!! Wearing leggings needs to be paired with either a dress, skirt, or shirts and jackets/sweaters whose lengths go NO HIGHER than 5-7 inches above your knees, anything shorter, must be for working out purposes ONLY!!! If wearing any shirt that’s shorter than 7 inches above your knees, and especially above your buttocks, save for regular pants or jeans. Based upon a survey of 100 men, 97 agreed that woman look desperate for attention and are not one to take home to their mother all simply because of how and where they wear their leggings, ….Interesting! So when thinking it is appealing for men, it is, but not in a good way.
Now enough about leggings, I am not a fan of many bright, multi colored and mixed patterned outfits because they can be too much clash and not enough class. It screams, “I’m here, hey can you see me?, good because thats the point, and I’m trying to make a statement”…. All attention isn’t good attention and how could you be missed? Imagine walking into a room where every piece of furniture was a different color and/or pattern.
 
Also, wearing only bright or light colors due to a lighter or darker skin tone does not change the color itself, its still the same. A soft cream orange rather than bright orange or soft pink rather than a hot pink compliments both dark and light toned complexions. Some people with paler skin don’t like to wear white or cream but that doesn’t mean wear all dark clothing and stay completely away from light colors. Some dark toned individuals, including a few in my family, don’t wear a lot of black or purple, but that doesn’t mean they go for bright. A softer color brings a softer tone. I’m tan complexioned, some may call it “honey”, “yellow” or “light skinned”, but it doesn’t mean I’m too light for yellow, but a soft yellow is such a better compliment for any skin tone rather than a bright, obnoxious yellow. Check the photo below for example: I personally love yellow!
 Color Me Courtney . - Kate Spade Lady Marmalade Bracelet, J. Crew Tipi Sweater, Kate Spade Necklace, Kenneth Jay Lane All Eyes On You Necklace, Kate Spade Recital Farrah, J. Crew Pave Link Bracelet, Tom Ford Nikita Glasses - Bee Bright
Don’t be confused, I like mixed patterns and brighter colors, but in variation. You don’t want to over do it. In my opinion, there is a such thing as having too much color and pattern in an outfit. When that is the case, or the colors are not matching, the outfit itself not only looks too busy and tacky, but also looks dysfunctional. Some may disagree, but as I said, fashion is in the eye of the beholder.
Mixing prints, much like mixing same or close colors and denims is possible, but must be done with caution. Just like mixing these pieces, it is important to note that you can’t just throw any combination together, there are methods to pulling this trend off. You could either come out looking fabulous or end up looking like the neighborhoods next wacky dresser.
 
My Tips for Mixing/Matching print:
 
If you are new to wearing bold choices and crazy colours, I recommend keeping it simple. Don’t go for a full head-to-toe print.

  Mix larger prints with smaller ones: A great way to remember this is to know that opposites attract. When you’re mixing print using this rule you don’t want to go overboard with the size of the print. Try wearing a combination of large and small print. The small print against the larger one creates a balance and gives a beautiful contrast. For example leopard print comes in different sizes; you could mix a large leopard skin print skirt or trouser with a smaller leopard skin print shirt or top. You would notice that people may not even know they are not the same because of the balancing illusion they create. A quick tip is if you decide to do this use the larger print at the bottom and the smaller print at the top. The large print tends to make parts of the body seem bigger and the smaller print makes parts look smaller. Blend prints that have the same color characteristics: Another great way to mix print is to make sure your prints have similar color  When they share one or two colors that are close or the same they look like they compliment each other. Vision automatically picks things that look alike and places them together. This way when someone takes a look at you, they see a well put together outfit instead of a bunch of mixing and matching. The common color pulls. In the photo, the yellow jacket compliments the gold on back of heel. Love that jacket! Not that warm but very chic! In the print universe stripes are just like one toned or white apparel; it goes with almost anything. When you are mixing print, treat the striped item you are incorporating  like a neutral toned print. Stripes are the easiest to mix with prints and go great with graphics, floral prints, polka dots, geometric prints, animal prints and much more. I understand mixing theses prints might be a little scary so you could start your mixing with a simple stripe and graphic print combination. You could do this in monochrome or ensure the stripes and the graphic print have colors in common. In the photo below, added accessories to a bland outfit showcased in a magazine worn by a professional model creates an even more stylish look. Accessories….my favorite wardrobe!!! Make sure print accessories contrast the outfit: This is print mixing 101. If you decide you want to start small by mixing printed accessories with other prints instead of going all out with the entire outfit, make sure the accessory stands out. Use members of the same color family:

Just like having similar colors when mixing prints, you could also go all out with the same colors. Great examples of this are monochrome prints, red & black prints etc. You could wear a black & white polka dot skirt and balance that with a floral print top or a white tank and a floral print jacket. This pattern creates a great sequence that make your outfit, even though has a variation of prints, look uniform and well put together.
Accessorize Your Style: Alternatively, you can use accessories such as shoes, belts and clutches with prints on them as your starter items before transitioning into clothing. Pair Items Together: Don’t get worried about how they match each other but instead, what pairs well with another. Look for one common denominator that ties the entire look together such as the spectrum of colours or an accessory. You don’t have to mix print garments. A print shoe will look amazing with a print bag or accessory. And remember, just because you’re mixing prints doesn’t mean you can’t have some solid colours in the mix. A solid red belt for instance will create a fabulous focal point for any outfit. Color Me Courtney: denim && dots
Check out these sketches. As any good designer knows, don’t expose or allow to show full detail until the product is done so these sketches are partially finished but I as well as others still like them and so I figured why not share what is done thus far.
These are really great, I hope to one day have a pair myself.
Animal print high heels fashion illustration, girls room décor, fashion wall art, animal print fashion sketch
 
 Pattern is good, just not too much
 
 Samantha Jonas-Rongo

Clinton V. Romney?

Clinton V. Romney?

Samantha Jonas-Rongo

republican-democrat-battle

In 2015’s polling world, Hillary wins the race with 49 percent support out of the candidates running, compared to 34 percent for Bush and 35 percent for Romney.

Clinton advisers have said they would actually prefer a Clinton-Romney race, viewing him as the “weaker” Republican candidate in the set.

Clinton vs Romney

A recent poll suggests that former presidential contender Mitt Romney would win the Republican nomination for the 2016 presidential election, amid rumors he is considering a third run. However, the poll also suggests that Hillary Clinton, regardless of which Republican candidate runs against her — Romney, former Gov. Jeb Bush, or Sen. Paul Rand — would sweep the final election.

Commentators and pollsters waiver on the ultimate victor though, given that Election Day is still almost two years away. Though, Romney’s and Clinton’s weaknesses and gaffes have been very publicly vetted throughout past years, the emergence of new hiccups and the resurgence of old ones is inevitable during election season. Politics can be cruel!

When it comes to key demographics, Clinton might again have the edge. Younger, minority and women voters have typically voted Democrat, making the difference for Obama in both prior elections. However, this demographic largely stayed home during the recent midterm elections, making it difficult to gauge their specific impact on the 2016 race. Still, polls indicate that both minority and the youth vote are far more likely to show up for the more prominent, salient White House race, motivated by big social issues and policies.

Clinton has also snagged key 2008-2012 Obama campaign team members, which some pundits and commentators say could help her team successfully replicate the 2012 win. For some political analysts, this choice might be a hindrance to the Clinton coalition, depending on how she wants to portray her relationship with the Obama administration to both voters and the media.

Formal portrait of Hillary Rodham Clinton with flag, 2009Most significantly, Clinton’s chance to become the first female president has the potential to bring voters to a historic election that they otherwise wouldn’t participate in.

Regardless of individual biases, historical trends can be an obstacle. Clinton’s political party is the same one that currently rules the White House. There have only been a few times (most recently, George H. W. Bush’s 1988 win following Ronald Reagan’s presidency) when a candidate sharing the same party as the outgoing two-termed president was able to get elected. Most commonly this trend prevails because voters are disappointed with the turnout of how the incumbents second term has gone. Although, Obama’s approval ratings have increased over the past couple of months, his disapproval rating is still high at 48 percent. How Obama ends his presidency, could either help or hinder Clinton’s 2016 aspirations.

Regardless of the impression voters have of Romney, his public image has improved since 2012. His advisers have attempted to “humanize” him, with members of his family opening their lives up to the media. The Netflix documentary “Mitt” was a substantial part of this re-imaging campaign, making him more relatable to the public. These intimate portraits have given Americans access to Romney as a person, not just a businessman, governor and Olympic savior.

Former Massachusetts Governor and 2012 Republican Presidential nominee Mitt Romney speaking at CPAC, March 15, 2013.

On the policy front, some of Romney’s more criticized points have proven prescient. His 2012 foresight of the rise of Russia as a geopolitical threat and the difficult implementation of Obama Care have been borne out with time.

Regardless of Romney’s image revitalization or intuition on certain issues, there still loom substantial stereotypes and obstacles in his potential path to 2016.

For example, during Romney’s 2012 presidential run, Democratic commentators consistently portrayed him as out of touch with the American electorate. From his off-base estimate of average middle class incomes (he said $200,000-$250,000), to his infamous dismissal of the “47 percent of Americans who are dependent upon government … who believe that they are victims,” are reminders of his perceived elitism that are just a click away.

Samantha Jonas-Rongo

Keep Calm and Love Animals

“In order to learn it’s strength, purpose, and ability to build happy, healthy relationships, everybody deserves a chance to love and to be loved: so do animals”…..Samantha Jonas-Rongo

Keep calm and love animals

Keep calm and Love Animals                                                                                Samantha Jonas-Rongo 

I love all of the animals of my family. I don’t like to use the label or term, “pet”, so I don’t. They are my family and I love them as so. We have one dog and two cats.

Kaine, our entertaining and rambunctious 18 month American Red Nosed Pit-bull has blessed our lives when he was only 8 weeks old. He has grown very quickly and is filled with so much energy and love for all of us and those he comes across.

My eldest feline friend, who we have had since she was 4 weeks old, is now 5 months and is an intelligent and affectionate black and white Tuxedo cat, who I must say loves to cuddle and has the most softest fur to compliment. She’s one of the first things I see when I wake in the morning and of the last things before I go to bed.

Then the youngest member of our tribe; Kyra, is our cinnamon swirl, American Short Haired cat. She is now almost 4 months old and she has been a joy in our life for more than 3 of those months. She is still growing, learning and maturing but is doing it fairly quickly.

We have fed each one of these amazing animals by the bottle, had trained them, bathed them, played with them, cared for them, fed them, cleaned up after them, and still continue to do it all and are thankful for the opportunity and ability to do so. Not only are they all a part of our family, but our extended family loves them all as well.

One day my sister and I had been leaving our brother’s house and as we walked past his neighbor’s porch, we noticed there were about 9 kittens slowly walking and playing in and outside a large cage. We asked if they were for sale, they weren’t, but because the ASPCA was actually on their way to pick them up since the owner was unable to provide for all of them alongside the cats she already had. However, she agreed to let me choose one of my choice before they arrived. I chose Kyra, not only because I loved her cinnamon swirl fur, but I admired her effort and ability to make her way towards me, as if she knew right then and there I had to make that decision. Since then, our house has been her home.

Kaine had been given to me on mother’s day from my fiancé. He opened the door and there he was with his bright blue-collar, wagging his tail ready to play and be held. We love him and he returns the love gracefully. We don’t know much about his past before he entered our lives, but we know what the possibilities for his life could have been. He was put up for sale by someone in the neighborhood we use to live in, and we know that as a male Red Nosed Pit-bull, he may be forced into living a life of fear, violence and danger due to his breed, and never given the chance to be that loving and affectionate dog he is today. Unfortunately, pit-bulls are given labels and are stereotyped, but that’s not any different from an individual profiling and discriminating another due to their race or religion. Due to Kaine’s situation, Mothers Day in effect, and my fiancé knowing how I feel and my stance when it comes to less fortunate issues, he knew it would make my gift even more special.

I love them both so very much!

Kylie was abandoned after her birth when the woman who had once owned her mother had moved and left all of them there in the empty house. They were only 2 weeks old. The neighbor had found them, nurtured them as much as he could, and decided to give them away for free to those who he knew would take good care of them. He happened to be my mother in laws friend so we were both given a kitten of our choice. Kylie was, and still is very adorable. When she was a kitten, she had a wondering left eye that I was worried may have a detachment so I felt even more compassion towards her. I chose her due to the love I felt immediately after I seen her. I wasn’t too sure at the time if her eye would be like that permanently, or if it was just a birth effect that she would grow out of, but I knew she would be loved regardless in my family. I was told to give it time and her eye may set itself in place naturally, it did in fact just a couple of days later. If that man had never saved them , who knows where my Kylie would have been or treated.

Not everyone can care for animals though, some can’t afford too. I would say may not have the time, but c’mon, as busy of a super woman as I am, along with the many other busy bodies I know with animal(s) to care for, that can’t be possible or an acceptable reason. Unless of course you are always traveling and are never home, then maybe so.

In my personal opinion, cats do not need an owner, they just need a safe environment to live in, maybe food, but they’re capable of finding their own source. They can survive on their own and are very independent, cleanly and intelligent which is why I love their company. Dogs however, have a more immature state of mind and are in more need of attention and play. They seem to stay in a child’s mind set throughout their life but become able to grow more loyal, loving and secure relationships easier.

 Having animals isn’t much different from having children. They require both the same needs besides clothing, unless of course you live in Beverly Hills. Unlike humans, animals can only signal,and cant speak the same language to tell you what they want or feel so communication which is key in any relationship, is limited. However, with children, if needed, you can get assistance in the care and support of them for food, medical, shelter, cash, utility payments, job search, etc with available government programs, with or without more help by their other parent/guardian and even tax credit incentives. Having animals takes 100% independence to care for. So as a single pet owner, I guess it is correct to say you’re a real single mother/ father.  Their medical bills to food is of the owners responsibility, and it isn’t cheap.  Toilet paper and Pampers overtime are cheaper than forever needing kitty litter.

 If I didn’t enter their life, who knows what could have happened to them. They could have ended up in a shelter and then released or put up for adoption. Regardless, Kylie, Kyra and Kaine, along with all other animals around the globe deserve to be treated humanly. They could have actually ended up in a better home than mines that included more amenities but I know that what I have and can offer to them is more than they need and will always be available.

Animals deserve all the love and rights that we expect as humans to have. Throughout the year,  donations are needed to help with the shelter, and support of animals in shelters, and in the wild. You don’t have to donate a lot. Any amount is enough to add some assistance for an animal in need whether its money towards a shelter’s electric bill or food count, a private veterinarian practice, or food and fresh water for those who are stray . I have attached some links where you can also learn more about animals and how you can help in their survival and well-being.

Why not help those who would do anything for us?                                              Samantha Jonas-Rongo

donate_animal.png

Click here to donate to the ASPCA

Click here to donate to The Humane Society

Click here to donate, adopt or learn more about the North Shore Animal League

Click for AllPaws and find a local animal shelter near you

 

 

Credit Does Matter

Credit Does Matter                                                                                             Samantha Jonas-Rongo

Majority of people are becoming increasingly dependent on using credit to make purchases and decisions. These days, good credit is used for more than just getting a credit card or a loan……Samantha Jonas-Rongo

If you think bad credit isn’t a big deal — think again. The truth is, credit issues can have a crippling effect on all facets of your financial life. So, before you shrug off a low score, think again and work towards building a higher one.

The “American Dream” isn’t cheap. Having a family, purchasing a new car, building or buying a house all cost lots of money. Chances are, you won’t be able to pay cash, (in full), for some of the bigger things your family wants and needs. That is why credit is so essential to not only your current living, but building a better, efficient future that Is reachable due to your past and present spending responsibility and behavior.

Have you ever wondered why you were turned down for an apartment or car loan? Or why you did not receive a job offer you applied for, even though you thought you had nailed the interview? Perhaps it was due to your credit record.

Your credit score, also known as a FICO score, can range from 300 – 850, 850 being the best possible score, (your Vantage score can go up to 990 at max). Your credit score is monitored and reported by three main credit bureaus known as Equifax, Trans Union and Experian. Your credit history begins the first time you apply for credit. The action initiates a credit inquiry to the credit bureaus and also establishes a profile in the system. Credit scores are determined using five types of information about you:

  • PAYMENT HISTORY = 35%

Lenders need to know how reliable you have been in the past, and your payment history illustrates just that. This section covers:

  1. Your payment consistency
  2. Collections and charge-offs
  3. Bankruptcies, tax liens, etc.
  • OPEN ACCOUNTS AND BALANCES = 30%

Contrary to popular belief, debt can be a good thing when utilized correctly in proportion to your overall credit limits. This section covers:

  1. Your total number of active loans (e.g., mortgage, student debt, etc.)
  2. Your credit card debt and credit utilization. The healthiest credit scores are born from using 30 percent or less of your monthly credit allowance. For example, if you have a $10,000 monthly credit limit, you should never use more than $3,000 during that month.
  • LENGTH OF TIME ANY ACCOUNT(S) HAVE BEEN OPEN = 15%

In addition to reviewing your track record, lenders want to be sure you actually have one. A credit history of seven years or more is ideal when establishing clean credit, so make sure to keep your oldest accounts active.

  • TYPES OF CREDIT USED = 10%

Smart planning is key in every financial realm, and spreading out your spending is a great way to illustrate this concept. Lenders want to see your experience with numerous credit types. If you only have installment loans, consider opening a bank credit – (Not a bank debit card that’s affiliated with your bank account), or another line of credit. Broadening your horizons will demonstrate your flexibility and success with multiple credit forms.

  • CREDIT INQUIRIES (DENIED OR APPROVED) – NEW CREDIT = 10%

Every new account will likely depress your scores. Of course, you can’t increase (or even have) a credit score without having a track record to begin with. Just know that, with every new account, your credit score will probably get worse before the longer term scoring benefits are realized. Creditors fear those who appear to depend too much upon acquiring new credit accounts.

To maintain a good credit score, it is important to avoid all of the following actions:

  • Making late payments (even one month)
  • Utilizing more than 30% of the total credit limit on any credit card(s)
  • Closing credit cards you have not used for some time
  • Frequently opening new credit card accounts
  • Routinely transferring payments between credit cards to obtain rate advantage

Delinquencies on your credit report will have an impact on your credit score and so does the length of time which has passed since your last major delinquency. A bankruptcy may stay on your credit report for up to 10 years, but additional credit may be acquired once a two-year timeframe has passed.

Some of the basic things that we would like to purchase can be placed at a halt or become more expensive and difficult to buy due to your financial responsibility. However, having good credit and containing it can make these purchases more convenient and obtainable.

  1. MORTGAGE:

    Having good credit is important when it comes to where you live. Mortgage lenders want to know that you won’t default on your mortgage. If you don’t have good credit, the lender will consider it risky to give you a mortgage loan. Unless you have a lot of money saved and are planning on purchasing a house or thinking of buying a foreclosed abandoned one at a cheap cost of $15,000 and spending at least another $50,000 to renovate it, you will need to pull out loans and mortgages to do so. This could result in a higher cost of borrowing or worse, a denial of the loan. Your credit is used for rental decisions, too. Landlords consider your lease as a loan.  You’re being loaned a place to live and the landlord wants to know you’ll pay back this loan. If you don’t have good credit, you can get denied for an apartment especially if you have any evictions or late utility payments on record. More than often, good landlords want good tenants so they will check your credit report.

  2. VEHICLE FINANCING:

    Unless you have all the cash to purchase a new car, you’ll have to get a loan. I’m not speaking in regards of a used car that you purchase from someone else, but a used and new car from any lot or dealership. The cars that come with warranties and are fully approved and checked for safe performance, mobility and consistency unlike those that can be bought from an individual. Your credit not only affects whether or not you qualify for a loan, but also the amount and interest rate of the loan. A lot of people believe you will pay double or more than what the car is worth, but the amount you pay depends on the interest rate which is reflected from your personal report. Generally, loan applicants with good credit qualify for larger loan amounts with lower interest rates. Regardless if a loan is from the dealership, credit union or your own bank, your credit score will be scanned and your finances and cost will be reflected.

  3. ENTREPRENEURSHIP:

    business-startMany people have dreams of starting their own business. Business startups require a sizable amount of cash that you might not have available. In that case, you’ll need to obtain a small business loan or a personal loan to get started.  Among other things, you need to have good credit to qualify for the business loan. It is near impossible to  qualify for a business loan if your credit is poor, especially if you have evictions on record as well. Unfortunately, with a low credit score, your chances of getting any type of loan are slim to none. You might qualify if you have a co-signer with great credit and plenty of collateral, but expect a higher interest rate than someone with an excellent credit history. Your availability to have a co-signer with great credit may be a difficult task as well because that individual may not be able to trust you and your financial stability and responsibility.

  4. EMPLOYMENT:
    Open sollicitatieMany employers conduct credit checks as a part of the hiring process. If you haven’t demonstrated financial responsibility, a prospective employer might be hesitant to hire you. Why does your credit rating count? Employers in the financial sector often use it as a part of the pre-employment screening process to check out an individual’s character, decision-making skills and of course as a way to measure whether or not they can handle money. It can also be used to make sure new employees aren’t distracted, or stressed out, by financial issues.  Its simply standard operating procedure for many companies to do a credit check, along with checking out your work and education references, or even doing a drug test or checking to see if you have a criminal history. When you sign on the dotted line, you may not realize you’re authorizing a credit check, unless you read the fine print. According to federal law, individuals in the pre-employment process must give their prospective employer permission for not only a background check, but a credit check as well. So it pays to read exactly what it is you’re signing.
  5. UTILITY SERVICES:
    It might be somewhat shocking to learn that your credit is needed to establish utility service. Your electric company contends that you’re borrowing one month of electric service. So, before turning on your electricity, the company will check to see if you have good credit. This applies to most utility services including cable, telephone, water, and even cell phone. You may still qualify for a contract or services, but you may need to put down a security deposit when others with great credit do not.
  6. HOME/AUTO INSURANCE PREMIUMS:
    Insurance companies are in the business of risk management. the lower your credit score, they higher you are as a risk and the higher car insurance rate you will likely payInsuring your life’s most precious possessions is another segment of life that is controlled by your credit score. Insurance companies check your credit and price for risk when determining annual premiums. Insurance companies want to make sure they get paid for their services of insuring your assets. Not only that, but insurance companies see a correlation between low credit scores and insurance fraud when putting in a claim. Some auto insurance providers run credit checks and charge higher premiums to those with low credit scores. The thought behind this is that people with good credit are usually more responsible drivers and those with higher credit scores are more likely to make on-time payments. You can maintain low and affordable premiums by improving your credit score.
  7. RELATIONSHIPS:                                                                                                      Love me, love my debt? NotWhen you enter into a committed partnership with a significant other, in which you share everything, that does not exclude your credit histories. Granted, even a spouse is not legally responsible for debt you incurred prior to the marriage. However, any major purchases you want to make together, as a couple, will be negatively impacted if you have bad credit. This not only makes it difficult to buy a house or a car together, for example, but it puts an unwelcome strain on the relationship in general.

Believe it or not, but your credit habits can affect your children’s lives as well. If bad credit prevents you from buying a house or buying an automobile, this affects where and how you raise your children, and whether you’re able to have reliable transportation for your family. Also, if you have a low credit score, you might not be able to co-sign for your child(ren) to get a student or auto loan, or help your child financially in other aspects of his or her life. If you pass away with debt, your debt will rollover as your child’s responsibility and if you have life insurance, the debt will be deducted from the payment as so before being issued to your dependents.

Yes that is correct, landlords, insurance companies, and employers etc.; not just banks and car dealerships, check credit records. Your credit report allows these companies to look into your personal spending habits, your payment history, whether you have been sued, evicted and whether you have declared bankruptcy. Not only do they check, they also report. Having a good credit history is an important part of maintaining a secure, healthy, and financially fit life.

If you have no credit or have experienced some financial setbacks in the past that have negatively affected your credit, lenders won’t be very eager to loan you the money you need, which can keep you from buying that car, paying for school, or investing in a home. Good credit, on the other hand, means you can get the financing you need, and usually at a better rate, which will save you money in the long run.

Even if you never had a credit card you can damage your credit before you apply for one and therefore, you will not be approved and may need to settle for a secure credit card where you need to place a security deposit down. Secured credit cards can help build credit and impact your score, but it will take longer to build and fix your credit. You can monitor your score for free but some free websites such as Credit Karma may only track your actual credit card usage and not reflect your actual score. If you never had a credit card, sites such as Credit Karma may state you do not have enough credit when in actuality, you may have poor credit but not enough credit card usage to higher your real credit score and enough to have been tracked by these sites.

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It takes time to rebuild your credit history and positively impact your score. Don’t get discouraged if your report doesn’t immediately reflect the work you’ve put into rehashing your credit file. Just be patient and continue working to gain more control over your finances.

In addition to keeping an eye on your credit balances and accounts, you may want to consider other methods of getting control of your personal finances, such as reducing household spending or creating a detailed budget.

You can also write a personal statement for your credit report. It won’t impact your score, but it can be read by anyone checking your credit report, from prospective employers to potential lenders.

With a little patience and discipline, you can positively impact your credit score and credit file.

Samantha Jonas-Rongo

Deadly Tragedy in Pakistan

PreK, then K-12 equals 14 years of guaranteed FREE education for every child in this country. It is not only our rights as Americans, but an opportunity camouflaged by law. Too many people are taking for granted our education system that many others would do anything to take advantage of. While too many Americans settle for a GED, refugees and immigrants are fleeing their countries and are earning the Masters and Doctoral available on our home land. It is by law we get an education. However, for many others around the world, it is only a hope and a dream.…..Samantha Jonas-Rongo

A soldier escorts schoolchildren from the Army Public School that is under attack by Taliban gunmen in Peshawar

schoolchildren from the Army Public School that is under attack by Taliban gunmen in Peshawar

Deadly Tragedy in Pakistan

Samantha Jonas-Rongo

The Pakistan Taliban shouted, “God is great” as they made their way rampant through Army Public School and Degree College in Peshawar, Pakistan. They came in with enough ammunition and other supplies to last for days and were not expecting to come out alive, according to a Pakistani military official.

145 people, all mostly children were killed in the shootings. The schools principal was a victim of the tragedy along with a couple of teachers, including a teacher who was shot, then burned to death and the 7 Taliban extremist who all wore suicide bombs.

While children were in class at 10am in Pakistan,12am US (ET),  a car exploded behind the school. Pakistani education minister Muhammad Baligh Ur Rehman explained to CNN that the blast was meant to divert the attention of the school’s security guards before the attack.

Policemen stand beside empty coffins at the hospital after an attack by Taliban gunmen on the Army Public School in Peshawar

DR. Aamir Bilal of Peshawar’s Lady Reading Hospital, cited students that gunmen got over the walls and walked through where students in grades 8 through 10 were having classes and fired randomly.

14-year-old Ahmed Faraz who was shot in the attack told CNN that he and others were in an auditorium when 4 to 5 people swarmed through a backdoor, and started shooting rapidly.

As ninth-grader Ahmed and the other children hid in the auditorium, the gunman swarmed in and one of them told the others that a lot of the children were hiding under the benches.

“kill them”, he then said according to Ahmed.

The gunmen then climbed the benches and started firing at the children.

Shahrukh Khan, 17, said a gunman had entered his classroom and opened fire at random. As he hid under a desk, he saw his friends being shot, one in the head and one in the chest. Two teachers were also killed.

Other children who escaped say the militants went from one classroom to another, shooting indiscriminately.

Pakistani authorities spent Tuesday night inside Army Public School and Degree College looking for survivors, victims and improvised explosive devices planted to worsen the carnage.

Men move bodies of students, who were killed during an attack by Taliban gunmen on the Army Public School, in an ambulance outside a hospital in Peshawar

Men move bodies of students, who were killed during an attack by Taliban gunmen on the Army Public School, in an ambulance outside a hospital in Peshawar

Even Taliban militants in neighboring Afghanistan decried the killing spree, calling it “un-Islamic.”

This gruesome attack has been labeled as a response and revenge for the recent Nobel Peace Prize given to Malala Yousafzai, a Pakistani activist for female education, the youngest-ever Nobel Prize laureate, and victim of the Taliban’s violence. (For those who haven’t read, “I am Malala”, you need too. I have and she is an amazing and inspiring young woman with such a great story and hope for the future all man kind. She is not only an exceptional role model, she is someone who we all need to know about and teach our children. I will actually attach a link at the bottom of this page so you can purchase her book.)

She was awarded for her work against the “suppression of children and young people and for the right of all children to education”, and victim of the Taliban’s violence.

Malala_Yousafzai_at_Girl_Summit_2014

Malala Yousafzai 2014

“I am heartbroken by this senseless and cold-blooded act of terror in Peshawar that is unfolding before us,” Yousafzai said in a statement.

“Innocent children in their school have no place in horror such as this,” she continued. “I condemn these atrocious and cowardly acts and stand united with the government and armed forces of Pakistan whose efforts so far to address this horrific event are commendable.”

She concluded: “I, along with millions of others around the world, mourn these children, my brothers and sisters – but we will never be defeated.”

On any typical day, the school is home to about 1,100 students and staff, most of them sons and daughters of army personnel from around Peshawar. A Taliban spokesman told BBC Urdu that the school, which is run by the army, had been targeted in response to military operations. Hundreds of Taliban fighters are thought to have died in a recent offensive in North Waziristan and the nearby Khyber.

If the Pakistani Taliban extremists had hoped the attack would cause the government to ease off its military offensive that began in June in the country’s tribal region, it appeared to have the opposite effect. Prime Minister Nawaz Sharif pledged to step up the campaign, along with U.S. drone strikes; as targeted the militants.

Samantha Jonas-Rongo

Rescue workers and family members carry the coffin of a student, who killed during an attack by Taliban gunmen on the Army Public School, in Peshawar

Rescue workers and family members carry the coffin of a student, who killed during an attack by Taliban gunmen on the Army Public School, in Peshawar

Click here to read the first 21 pages of “I Am Malala”

Click here to purchase “I Am Malala”