OMG! He's at it again.

I really need to quit looking at the news. I could be on here all night. :)



Did you hear that Obama is at it again? He is trying to change the "no kid left behind" program. I commend him for being aggressive in tackling issues but please finish what you've started Sir.



Can someone please tell our president that "Rome was not built in a day".



The story......

Daylight Savings Time

Well guys, it's that time again. At 2 a.m. on Sunday morning most of us change our clocks to have that extra hour of daylight in the evening. (We won't talk about the hour of sleep we loose in the morning.) Have you ever wondered if people all over the world do this and whose idea was it to do this anyway and why?

I was reading this article on The Christian Science Monitors site and it seems that all around the world the issue of coordinating time has been a problem that needed a solution. In 1840, the British railroad system developed"railroad time" to keep trains from running on the same track at the same time. The US worked on ways to coordinate by using the time zones. Other countries use similar systems to for navigation between the northern and southern hemisphere. But our Daylight Savings Time actually started in Germany during World War I as a way to conserve coal and give workers more time to get things done before the blackouts that took place every day. During this time the idea caught on in other countries and by the end of WWII, America reinstated the practice.

In our world, where we are available 24 hours a day, it really seem crazy to continue the tradition but in as early as 1996 the US government made the change a standard and in 2007 voted to continue the practice.

What I want to know is what do you think? Do you look forward the "spring forward, fall back" or is it another of life's little headaches.

Credit Repair Tips

Credit. Does this word put fear in your heart or make you smile? Credit doesn't have to be some elusive magic black box. It's really very simple..........so they say.

Watch CBS News Videos Online

How many of you started your young adult life this way: Turned 18, received all these wonderful offers for credit cards, thought you could pay them off quickly because you have a really great job at the local fast food place.

You and probably 80% of America started this way. I have had many young people come to me full of debt and empty of hope.

Here are some key things to do if you find your credit out of control.

1. Check your credit at least once a year. Some people don't know that they have this wonderful tool at their disposal. http://www.annualcreditreport.com/. This site lets you receive a free credit report once every 12 months. There are no gimmicks or free trial things to deal with. By using this yearly credit report, you can stay on top of errors in your credit or if a place is not posting your credit or simply be alert to identity theft as quick as possible. Don't think that identity theft wont happen to you. According to the Fair Trade Commission it happens to 9 MILLION Americans each year. Yeah, it's that bad.

2. To increase your score, pay your bills on time. This is the most important way to have a good score. It sounds simple but when you are struggling, it can be the hardest. Tip: pay credit reporting items first. (car, house, loans). You don't have light in a house the bank forecloses on.

3. If you miss a payment, get current and stay current. You can always start over. Did you know that with most bills, if you pay before the next payment is due it won't go against your credit? Check with each bill provider to see what their policy is. Think of your credit as your "word". Not paying is the same as lying.

4. If you have credit cards, use them wisely. Credit cards are not the enemy. Our spending habits are. To increase your credit score, keep your balances at least one-third of the balance available. Pay as much as you can each month if you can't pay it off.

5. You can control how much your credit card limit is. One good way of controlling your spending is to keep your credit limits low. You can request that your limit stay at a certain amount. I keep mine at $300. I know, without a shadow of a doubt, that I can pay or borrow this amount if I get into trouble. Always think about your credit as if you may lose your job tomorrow. How can you get rid of your debt fast?

6. Look to the experts. Guys. There are LOTS of smart people out there. Don't reinvent the wheel. Really smart people find a process that works and they copy it. Here are some credit or debt-free gurus. Dave Ramsey ( I know this guys strategies work. I sold a house to one of his "now debt free" followers. Jean Chatzky (Seen on Oprah) and a local financial planner (always ask for references, years of experience and interview more than one. They hold your future in their hands.)

Facebook's like paypal?

What is Buxter? Check it out in this article posted in

Google news. I went onto Facebook under "My Account"

this morning and there it was. A new tab that says Payments.

What are your thoughts on this? Will it be a good thing or a bad thing?

First Attempt at Blog in Class

This is our first blog in our great blogger class taught by Juanita McDowell.