Beware of Payday/Title Loans!

I don’t usually post about financial things on this blog because I am no expert on the matter. However, in this case, I feel like I can keep others from making the same mistake as my husband and I have.

Let me start off by saying never, ever take out a title loan or a payday loan. I know it’s tempting especially when you need money, like yesterday.  These companies are predatory lenders. They prey on people who are financially strapped.  Over the years my husband and I have used several of these at one point or another.  We’ve always paid them off.  Of course the interest rates are outrageous.  You pay double what you borrowed.

We have taken out payday/title loans because things have come up and we needed the money at the time for bills. I should add that my husband has a job where he gets paid hourly.  Sometimes he has short weeks and doesn’t make as much. His checks can vary by at least $200.  So it’s hard for us to budget. I’m not saying impossible, but difficult.

This is NOT a post where I want anyone to feel sorry for me.  I just want to warn other people so they will steer clear from companies like this.

Back to the original story.  My husband was supposed to go in on the 6th and pay it off, but it completely slipped his mind. We’ve had to deal with some things going on with my stepdaughter so we are a bit stressed.  The manager of this particular title loan business called my husband this morning and they verbally agreed that he would come in on Thursday at 9:30 and pay the car off.  Around 30 min later, someone drives off with the car.  No knock at the door or nothing. My husband had to go find the car so he could get his work tools and badge out.  He is then told he not only has to pay the car off but also the repo fee in order to get the car back. They told him he has until Thursday or they will sell the car.  With the way they are doing business, I don’t trust that,but we won’t have the money until Thursday.

I did some legal research and found that in the state of Mississippi, a verbal contract is legally binding. However, when he told the manager this, the manager said it wouldn’t hold up in court.  Oh how I wish I had an attorney friend who could call and tell him he was wrong.  I am sure these places know the laws though and they probably skate just about what’s legal to get away with things like this.

I realize some of you are thinking “Man, they are so stupid.” or “I’d never do that.”  That’s fine.  This post is not for you. It’s for those who are thinking about using a payday/title loan service.  These businesses know that once you get in that cycle, it is very difficult to every pay it off.  That’s how those businesses thrive. I wish I had advice for those of you who are struggling financially and considering borrowing from these places.  I would say borrow from a reputable source such as a bank. But when you have bad credit, that’s not an option. I would say the best option, if you need money to pay a bill, ask a family member and make sure you pay them back.  I hate borrowing from family, but it’s better than getting taken to the cleaners by shady lenders.

Again, this post is not an attempt to get people to pity me.  But if I can at least help one person with this post, then that is good enough for me. That’s what I want.  In my opinion, these places should be shut down. Their interest rates are ridiculous and their tactics are less than honest.  I don’t see how anyone with a conscience could own a business that takes advantage of people like that.  I guess the love of money is greater than the love of people.  stylewars

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Summer Bridge Activities Learning Set Giveaway Ends 5/25

 

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Giveaway Hosted by Parenting Healthy
This is the time of year to get your summer learning plan together. Ughh…summer learning! Don’t they deserve a break? That was always my thought before my son was school age. They do get a break because keeping that summer bridge learning does not involve dropping them off at 9am to a school for 6.5 hours 5 days a week. I have my son do 1 hour of learning activities in the mornings-after some cartoons but before the appropriate time to knock on neighbor friends doors to play for the day. In the evening we do a fun learning page in workbooks or I have him write about his day in 3-5 sentences and we do that together as part of our bedtime routine. That time means the world to keeping his brain working at his grade level and keeps his retention strong.
The Carson-Dellosa learning activities for summer have everything you need to put a regimen together in you home whether you have a preschooler or one heading to High School. If your child is older, Carson-Dellosa has learning aids for the High Schoolers as well. It’s all there and you can search for learning books by age, need/subject or themes.

 

Summer Bridge Learning Selections
  • Summer Bridge Activities: Pre-K to Grade 8
  • Summer Bridge Explorations: Pre-K to Grade 4
  • Summer Quest: Pre-K to Grade 8
  • Summer Bridge Workbooks: Pre-K to Grade 6

This post is all about Summer Bridge Activities for that gap between grade changes. My son is heading into third grade so I have grade 2/3 activities books for him. It has some refreshers from second grade learning and prepares him for 3rd grade skills. They also include a summer reading list with suggested titles for books at this grade level. Reading is a great daily activity and I highly recommend at the very least you have them read 20+ minutes a day so they do not fall behind as statistics show they will-up to 2 months behind. However, adding the ongoing practice of comprehension activities and math and science, they can feel as confident as ever when that new year begins and learning continues.

Right now you can save up to 25% on these learning tools so visit the links now!

1 lucky reader will win one Summer Bridge Activity learning set from Carson Dellosa. It includes the grade level of your choice in the following 3 books: Summer Bridge Activities, Summer Bride Explorations and Summer Quest Workbook. If the winner has children in higher grades, we can accommodate.
Enter below. Ends on May and open to US. Good luck!
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Awesome Math App for Kids in Preschool and Kindergarten!

note: I received compensation in exchange for writing this review.  

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Kids Academy Releases #1 Math Games: Singapore Math App for Android and Updates iOS Version of Math Games App for Kids in Preschool & Kindergarten!

Kids Academy is a well-known mobile app developer working in the sphere of children’s early education. The team combines all the expertise, creativity and truly remarkable skills to develop a wide range of best educational games and fun worksheets for kids.
The great news is that the team just released the long-awaited update #1 Math Games: Singapore Maths App for Kids in Preschool & Kindergarten – iOS version of the app.
itunes kidsThis best math app for kids in preschool and kindergarten offers a great variety of fun educational games for kids. Children will get a fantastic chance to:

• train their brains
• enhance their attention and concentration
• improve their cognitive skills
• learn to follow instructions

While playing the fun math games, little mathematicians will grasp their numbers, addition and subtraction facts in a fun and enjoyable way. Kids will trace numbers, master their geometric shapes, practice skip counting and acquire other useful skills too. The cool math games by Kids Academy are based on the famous Singapore Math method. They help children visualize math problems and solve them in a simple way.
You can find a number of best educational apps for children by Kids Academy featured in the Family section of the Android store in the USA, Australia and Canada. This featuring is a reliable indicator of high quality and value of the fun educational games created by this team.
android google playitunes app store

Get all of the Kids Academy favorites on Android!

NEWLY RELEASED

We have more terrific news from Kids Academy. Available mid-May 2016 is the long-awaited Android version of their cool #1 Math Games: Singapore Maths App.

Great educational App! What I like most about this app is the fact that it’s easy enough for a young child to figure out. The cute graphics in the game are also a plus. It’s a wonderful learning tool for little ones!

This app has it all! It boasts hundreds of new cool math games, videos and interactive surprises. Your kid is sure to love the new innovative system of motivation and rewards, lively music, colorful graphics and amusing animation. Parents will be happy too – while kids play the new fun math games, they will not need any assistance from grown-up.

FREE PRINTABLE WORKSHEETS

But that’s not all. You can also try out the impressive collection of free printable worksheets and educational games on Kids Academy website. View a great variety of pre-school and kindergarten worksheets by topic and choose the perfect printables for your little learners. Download and print out the fun worksheets and give your kid a wonderful head start on math, writing, reading and other useful skills.

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Click here to check out the Free cute worksheets for learning kids.

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Reasons I Homeschool

 

I wasn’t homeschooled so a lot of people in my family don’t understand why I choose to homeschool my younger two children.  There are several reasons why I feel that it’s the best choice for my family.

 

  • No state tests. I’ve been seeing several posts on facebook about school testing this week. One woman even said her 10 yr old child had literally been worrying himself sick over these tests. How the education board thinks this is acceptable is beyond me. Whenever I was in school, which has been a good 20+ years ago, sure, we had “achievement” tests. We were pressured somewhat to do well on them but not to the point where we really thought that much about it.The teachers also didn’t put so much time into focusing on taking the test.  My kids do their school work and have exams to test their knowledge on what they just studied. However, they are not forced to take “achievement” tests to test them on things we may or may not have already covered. I mean let’s be real here, the state tests are not really to test the students, they are to test the teachers. They can actually lose their jobs if the children don’t perform well on the tests. So in turn, the teachers are pressured to put pressure on the kids.
  • Forced interaction is NOT socialization. I constantly hear “Well, if your kids don’t go to school, how do they learn how to get along with other kids?  How do they socialize?” Well for one thing once a child gets past elementary school, kids don’t have very much time to socialize anyway. If they are lucky  they get a 15 minute break, that’s it.  My youngest son is not around kids a whole lot, but whenever we go to the playground, he always manages to find kids to talk to. He’s really outgoing. I know that surprises many “pro public school” people.  He also can hold a conversation with someone a lot older than him.  He’s probably better socialized than most public school kids his age. My 15 yr old daughter went to public school for awhile so she has friends that she made in elementary school. I think she gets to talk to them more now than when she was in school.
  • Kids can learn at their own pace. One of my biggest complaints is that in public school, kids are all taught the same way. They are all expected to grasp the same concepts at the same time.  But in reality, some kids don’t.  Some kids are hands on, some are visual learners and others learn by listening. However, a teacher who has 20-30 kids in the classroom doesn’t have time to cater to every student.  I only have 2 students so I am able to spend time with my kids and find out how they learn best.
  • Flexibility.  My kids are both night owls. They will probably both end up with jobs that they can work at night lol. I’m not sure where they get that from because when 9 pm gets here, I’m ready to go to bed.  My daughter does her work at different times of the day. My son usually likes to do his work after 4. He has ADHD and I find that he is a lot calmer at the end of the day, after he’s had time to expend some of his energy.  Also, if we want to take a day off from school work “just because”, well, we can.

There are many other reasons why I love homeschooling. These are just a few. I am by no means “anti” public school.  Public school works for many kids. It just doesn’t really work for mine.  Education is so very important so I think it’s imperative for children to learn in the environment that’s best for them whether that’s in a public , private, or homeschool.

Why I Homeschool (1)

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