We've had a major septic eruption this past week. It's still not all taken care of yet. We've had the plumber out a couple times and the septic guys out a couple times. We still need an excavator to come out and check our septic field. Although we still have problems, we did learn about the wonders of Buttermilk. So there was something good that came out of cleaning up piles of poo for a week. (right?)
Apparently instead of buying chemicals like Ridex or Eagle Septic Clean, you can pour a gallon of buttermilk down your sink or in your toilet once a month. The butter milk has the same enzymes to break down the waste with out the chemicals. I haven't been to the store to check for the price of buttermilk compared to Ridex. It may be cheaper. Even if it is a little more expensive, I think I like the idea of something natural to take care of... well something natural.
Wednesday, September 26, 2012
Check Your Credit Score For FREE!
I think everyone knows about www.annualcreditreport.com by now. Once a year you can check your credit report from all 3 credit reporting bureaus for free.
I myself did this about 5 or 6 months ago, right around tax time when I was going to pay off some negative credit with tax return money.
Yesterday I stopped at my local bank to see about getting a signature loan. The loan officer told me that they can usually work with people as long as they have a minimum credit score of 680. He also gave me a great website to go check myself so he wouldn't ding my credit score. I thought there HAD to be another company that offered credit reporting information and wouldn't you know it, there is!
The site he gave me was quizzle.com. Not only can you check your credit report, but it will also give you your credit score. For FREE. What's the catch? Well of course they want you to buy something. They offer services/software to help get your finances in line, monitor your credit and protect yourself from Identity Theft. BUT if all you want is your credit information, you can get that with out giving them your SS# OR credit card number.
This site is offered by the same people who came up with Quick Books, and Quicken. So it's not a fly by night, steal your information kind of company.
One of the great things about this is that you can check your credit score before you apply for a loan. If you see your credit score is too low, work on fixing your negative credit, and THEN apply for a loan.
I myself did this about 5 or 6 months ago, right around tax time when I was going to pay off some negative credit with tax return money.
Yesterday I stopped at my local bank to see about getting a signature loan. The loan officer told me that they can usually work with people as long as they have a minimum credit score of 680. He also gave me a great website to go check myself so he wouldn't ding my credit score. I thought there HAD to be another company that offered credit reporting information and wouldn't you know it, there is!
The site he gave me was quizzle.com. Not only can you check your credit report, but it will also give you your credit score. For FREE. What's the catch? Well of course they want you to buy something. They offer services/software to help get your finances in line, monitor your credit and protect yourself from Identity Theft. BUT if all you want is your credit information, you can get that with out giving them your SS# OR credit card number.
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| Logo from Quizzle site Sept 2012 |
This site is offered by the same people who came up with Quick Books, and Quicken. So it's not a fly by night, steal your information kind of company.
One of the great things about this is that you can check your credit score before you apply for a loan. If you see your credit score is too low, work on fixing your negative credit, and THEN apply for a loan.
Monday, September 10, 2012
Time Zone Converter
Sometimes I have to make phone calls to other countries. This morning I opened an email directing me to contact someone from New Zealand. I did a quick check on Google "What time is it in New Zealand?" and came up with 10:45 pm. (it's currently 6:45 am in Eastern TN). Well I could take the time to do the math and figure out what time it would be here when their office opens at 8am in the morning, but to be honest I'm tired and my brain is fried. So I had a program do the conversion for me.
Time and Date.com has a lot of neat features that helps you when dealing with business, or even family internationally. What is even better is that it allows you to add several cities. So let's say that after I talk to these people in New Zealand, I then have to do a teleconference with my client in California. I simply add in the goal time: 8am in New Zealand, and then add my city, and my client's city in CA, and viola. 8:00 am (tomorrow) is 4pm here today in TN and 1pm here in CA.
How handy is that? There are more scheduling features that are helpful. But I'll let you explore those!
Time and Date.com has a lot of neat features that helps you when dealing with business, or even family internationally. What is even better is that it allows you to add several cities. So let's say that after I talk to these people in New Zealand, I then have to do a teleconference with my client in California. I simply add in the goal time: 8am in New Zealand, and then add my city, and my client's city in CA, and viola. 8:00 am (tomorrow) is 4pm here today in TN and 1pm here in CA.
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