Monday, June 29, 2009
No longer will I finance anything. All of my purchases will be with cash, check, money order or cashier's check. The interest rate and fees are ridiculous that are charged when you finance or take out a loan. What is the point? The extra cash you spend payin on that could be going to something else.
As for my cable, I got rid of Showtime. I am slowly cutting the extra channels. The phone and Internet can not be cut. I am sure there is something that could be done about my fews. To total I believe my monthly pay out is about $400.00 a month. That really isn't that bad. Working toward cutting more costs.
The tax lien has to be paid separately, so I am going to pay $450.00 for July and August. Those two payments will pay for the Ford Explorer. In September, I will pay $1,000 a month to get the Escalade paid for. Never let anyone use your SSN for anything. I can admit my ignorance. Also, if you purchase a vehicle out of state the sales tax is not included in that purchase. The SSN thing I knew that and I thought the person would handle responsibilities, I was wrong. Purchasing a vehicle out of state and tagging it in another county was new on me. You live and you learn.
These are my serious debts
Tax Lien $6,000
US Dept of Education $13,000
In order to pay off my debts, I will put all of my extra cash toward the above listed challenges. Figuring out other avenues where I cut corners on spending. $24,000 will be paid off by August 2o1o. I will say it over and over, the money I make is not mine if I owe a collector. I will pay off these debts and have them behind me. In the mean time, I will save cash too. No longer will I waste the money that I make. I have a goal to retire by 40. Doing the things that I have been doing in the past have not been successful. Changing my money habits will benefit me and my family in the long run. Building generational wealth is my goal.
Haven't heard anything from my appeal letter for reinstatement of my financial aid. Will call tomorrow to find out what is going on. They said it would be 2 weeks, it has been 15 days.
The other day, I went to Barnes and Noble and looked over some personal finance books. They really motivated me to get back on track. Really tired of wasting money.
It takes a person to finally get tired of things to really make a difference, well I am tired.
Saturday, June 27, 2009
The Future of Distance Education
By: George Siemens
EDUC 8842: Principals of Distance Education
I agree with Siemens view on global diversity, communication, and collaborative interaction. These elements do create an effective experience and allow distance education to stand on its own. Traditional classrooms offer face to face interaction and is scheduled at a specific day and time. Online learning gives the student enonomity and affords an opportunity to interact with individuals with whom they may not in an traditional setting.
Distance education benefits corporations by allowing them to interact with different offices around the world.
What online tools are available today to facilitate these interactions among leaners?
There are several tools that will facilitate interactions in the online setting.
Assignments within the course shell allow for dailouge.
Blogs, Twitter, Facebook, and other online social network sites give students another avenue to discuss course assignments.
Skype gives classmates a chance to use new technology to hold conversations about the courses.
Not only can these tools be used with the students, it can be used with the professors.
Siemens stated examples of what fuels distance education's growing acceptance:
The increase in online communicationPractional experience with new toolsGrowing comfort with online discourseAbility to communicate with diverse global groups
Distance education will continue to grow and change. Siemens feels it will be impacted by:
New communication technologies
Contribution by experts around the world
Increased use of multimedia, games, and simulations
Also in moving toward a growing shift in online education, it has been called the triple helix model of education. This is where universities, government, and businesses work together to provide and equip students with the online environment.
Sunday, June 21, 2009
Thursday, June 18, 2009
Working with my finances has taken patience and understand. The patience has to come from within. It has taken time, learning, and building to get to where I am. Do not be afraid to discuss your finances. Your money isn't a dirty little secret. Stand up to them. The money is yours. Don't spend more than you make. Save some and grow from what you have. Material items what do they really mean? Honestly, nothing, and I know that. This is why I am working toward having something in the future.
Paying Bills on Time
Paying my cable bill was interesting. I was told that if a technican has to come out it is a $29.00 fee. What is that? I have some understanding of what the problem was. Paying my bills at the end of the month is putting me a month behind. The cable bill was the first bill that I paid when it came out. This is a new routine for me. Sticking with it will eliminate the late fees. I also paid my cell phone bill.
The tax lien has taken time to get situated. Taking time to send paperwork to the Dept. of Revenue has cut penalties, fees, and other costs in half. Now I have to determine how I will get this debt taking care of. I know I have have it paid for before I can qualify for a loan. The quicker it is paid for the quicker I can move and get rental properties. Push comes to shove I can have this paid off in 6 months (December 09). This will give ample time to get my credit score up to move by the summer 10.
My gpa is a 3.26. I am so proud of myself. With my gpa going above a 3.00 I am eligible for financial aid. Getting my courses done and completing the KAMs will have me a step closer to completing the program. My mind has to be in order to organize all of the things that I need to do to get things done. Procrastination is something that I have to get rid of. Something that has been racking my brain is what to do with the PhD once it is obtained.
Life After PhD
Having an online business would be great. Do I want to do the business school for secondary students, and adult learning center, buy duplexes? What do I do? So many choices and I know I can do more then one thing. Thinking less of myself is an issue too. I deserve so much more and being able to obtain it is totally up to me. Know what I want is the thing, I see it and getting to it really takes focus. To be in the world and not of it is such I serious thing.
savings $300.00 (Peggy, I am paying myself)
Tax Lien $500.00
US Dept of Education $25.00
There is someone that has been helping me sell my candles. Coming into my cousins house, I made $30.00 in a matter of minutes selling Betty's Only candles. I will be giving him candles once a month to sell for me. Sitting on money. Just want to get the candles out there.
Posting on My Financial Success
Writing on my blog has helped me see what I am doing wrong with me money. Accountability and effort is what it has taken me to see the forest for the trees. Being honest to you about my money helps to be realistic about the money and what I do with it. I remember asking, "Where is my money going?" Now, I can say I know where my money is going.
This post may be scattered and given me a sounding board. Posting is relaxing and allows me to express myself.
Sunday, June 14, 2009
I passed my courses this past term. I am taking two courses now and my independent study. Paying for school was trying and it let me know that I make a decent amount of money. It is all about doing the right thing with my cash. Now that another term has started I am waiting until tomorrow to find out if my GPA has increased. This will allow me to get financial aid which is greatly needed.
Paying Bills On Time
Thinking about my finances has me realizing that I have late fees on my accounts due to paying my bills when I get paid at the end of the month. Starting this month, I will pay my bills when they come.
Disputing the tax lien made a major difference in how much I have to pay. In the beginning the tax lien was almost $12,000. Now it is $6,000 and that will be paid off by the end of the year. Paying the lien will allow us to finally be able to move and for me to get more properties.
The strangest thing happened with my online banking. Monthly, I pay for my braces using this service. In the mail, I received a late statement for $243.00. This is a late payment for May and June's regular cost. What has happened? May's bill has not been paid. The last time that I talked with secretary at the orthodontist office the May payment came the June's. I owe a late payment for this. Where was the check? This was an incident that occured that can't be explained. I have learned and I am truly thinking of taking the payment with me from now on. I will have to see first.
Things that I have done
back speaker fixed
Things needed to do
renew Betty's Only
raining and headliner (Liam)
grill fixed (Liam)
get financial aid
Tax Lien $200.00
US Dept of Education $25.00
These are the things that I am currently experiencing. Daily, I learn from others and try to stay focused on what is important in my life. There is still so much more to learn. My posts are about my life and what it takes for me to obtain the financial security. Growing and building is what I am focused on. All I can tell you is what I know and read from others.
Wednesday, June 10, 2009
After reading the three articles by Moller, Huett, Foshay, and Coleman, and watching or listening to the Simonson videos, compare and contrast the reasons these authors believe there is a need to evolve distance education to the next generation. Do you agree with their positions? Why or why not?
Moller, Huett, Foshay, Coleman, and Simonson believe there is a need to evolve distance education to the next generation because as time moves forward learners become more advanced. Coleman stated that distance education has been around for centuries or decades. For instance, the matchbook covers (be a detective online), correspondence schools, and distance education have offered e-learning to assist those people that want to learn other than using a conventional system.
Simonson says, today, distance education is widely adopted and approaching critical mass in society. With this growth, education is going to have to fit the learner. As a society, we are moving toward individualized learning, and distance education will provide that for the individual. In the k-12 environment, years ago there were no computers in the classroom, now each room has at least five. The education has to be geared toward the learner. The youth of today have the Internet, cell phones, video games, just to name a few. Having the variety of technologies, the education will have to adapt on order to meet the needs of the learners.
I do agree with their positions. The students that I teach are somewhat advanced and in order to grasp their attention the education needs to fit their interests. These student use the Internet and cell phones to interact with one another. Why can't they use these mediums when it comes to education?
Moller, L., Foshay, W., & Huett, J. (2008, May/June). The evolution of distance education: Implications for instructional design on the potential of the web (Part 1: Training and development). TechTrends, 52(3), 70-75. Use the Academic Search Premier database, and search using the article's Accession Number: 33281719.
Moller, L., Foshay, W., & Huett, J. (2008, May/June). The evolution of distance education: Implications for instructional design on the potential of the web (Part 2: Higher education). TechTrends, 52(4), 66-70. Use the Academic Search Premier database, and search using the article's Accession Number: 33991516.
Huett, J., Moller, L., Foshay, W., & Coleman, C. (2008, September/October). The evolution of distance education: Implications for instructional design on the potential of the web (Part 3: K12). TechTrends, 52(5). 63-67.
Wednesday, June 3, 2009
Check us out to see our progress. We will work together to lose weight.
Monday, June 1, 2009
get speakers fixed on Liam $170.00
headliner and raining in Liam $500.00
front yard landscaped $500.00 I guess
house cleaned free
throw away things haven't used or worn in over a year free
Financial Obligations other than monthly bills
US Dept. of Education $13,402.56
Tax Lien $12,000
I wrote a letter to the Dept of Revenue in reference to the tax lien. The total cost has escalated to $12,000 give or take a few. That is awful, there are fees, court costs, accrued costs, and other fees that have come along with having this debt. First, I would like to say yes, I did receive paperwork on this debt, but when I inquired about the debt I never received anything stated exactly what it was in reference to. I have no problem paying the debt, I just want it to be a reasonable price.
Once the lien is taking care of I will prepare to move. There are always things that appear. They are there laying dormant, waiting for the most inopportune moment to rear their ugly face. That will not get me down. I will continue to build from what I have, put my cash to good use, and learn from others. I am looking forward to achieving financial success.
Last month, I started to save some money. It is about time. Within the last few months, I have finally realized what I am doing with my money and how to build and use what I have. I want to thank you and my blog for being there for me to sort out my financial ups and downs. This has truly been a learning process. My learning will never stop. There is so much more to be done with my money.
As for my savings account, I have had this for as long as I have had my checking out. I only had the minimum in it, that is a mess. I started to put money into it last month. Now I have $506.00 in my savings account. That is something big. When I get to $1,000 I may open a Roth IRA.
Paying for Walden University was a big step for me. I recieved a B in my class. Hopefully, I will be off of academic probation. Now, I am taking 2 courses this term. If I have to pay for school that will be another opportunity for me to achieve financial freedom. Turn obstacles into opportunities.
My doman name has expired, I must renew that. O, I haven't purchased my books for this term. That is another financial obligation, that is something that I should have done last week. Crazy.
As for Betty's Only, I have looked into getting a business license, that is something that will be done within the month. There has to be a way to promote Betty's Only. I have a product, I just need to promote it.
This is what is going on with me overall. There is more to say, but finally it all depends on my focus on the situations. What is more important? There is so much and I know I can get it all done. I don't want to work like this forever, there is another route. I know what it is, it is all up to me to get my finances and thoughts in order. Do right with what I have and I can achieve more.