Scott's Dollars and Sense

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R I P Grandma 2-24-08 @ 12:30 P.M.

Hey all it was a long emotional weekend. As some of you know grandma was in a nursing home for about 5 months, and had periodic visits to the hospital for allergic reactions or difficulty breathing. Who would of thought this last visit would be her last.

To make a long story short she was admitted about 10 days ago for pain in arm and jaw. On Wednesday the day she was to go back to nursing home her lung collapsed, so they put her on a machine to force air into her lungs. :sad: :sad:  Well on Saturday the 23rd I was at work and got a call from mom that the family and Dr. decided to remove this machine as my grandma was a Do not Resuscitate. So they put her on a nasal canula with morphine shots every 1/2 hr for comfort measures.
So, I talked to grandma she was like where are you, I told her at work but I'll be up when I finish and she said I'll let you go don't want to bother you at work. I was like grandma I always have time for you, she said well I just wanted to let you know I love you :sad: :sad: :sad:  I said I love you to and lost it.....

So 11 pm i leave work and they had told me at 8 pm she had 2 hrs max.... when the machine was taken off she went blue then bounced back. So 11 pm - 4 am I am there and got to talk to her and let her know she wasn t alone and i loved her. Gave her a kiss and went home.

I returned at 8 am and she was asleep so went to mass at 11 am and prayed that God take her so she didn t have to suffer anymore. As I walked back in room at 12:30 P.M. her eyes opened and closed she had to gasps for air and died.

:sad: :sad: :sad: :sad: :sad: :sad:

I Love you Grandma !!

I have to goto the wake today and funeral tomorrow ...

11 comments • Scott Blanchard • February 27 2008 09:24AM

Safety First

PUT YOUR CAR KEYS BESIDE YOUR BED AT NIGHT
Put your car keys beside your bed at night. If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies.
This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this: It's a security alarm system that you probably already have and requires no installation. Test it. It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key  chain.
It works if you park in your driveway or garage If your car alarm goes off when someone is trying to break in your house, odds are the burglar or rapist won't stick around... after a few seconds all the neighbors will be looking out their windows to see who is out there and sure enough the criminal won't want that.
And remember to carry your keys while walking to your car in a parking lot. The alarm can work the same way there.....
This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.
P.S. I am sending this to everyone I know because I think it is fantastic. It would also be useful for any emergency, such as a heart attack, where you can't reach a phone.
A wife suggested to her husband to carry his car keys with him in case he falls outside and she doesn't hear him. He can activate the car alarm and then she'll know there's a problem.

 

4 comments • Scott Blanchard • February 22 2008 01:12PM

Board of Directors

I just got a call from a past client, whom I couldn't help because of some credit issues. He informed me that I have been nominated to serve on the Board of Directors for a Haitian Organization he is part of, and wanted to know if I was interested, I replied that I was honored, but had a few questions.....

1) Do I need to be Haitian to be a member ? I am not so wanted to be sure

2) What are my responsibilities ? Self- explanatory

3)Meetings, Seminars, etc. ? Will I be holding them, if so how often, who pays for room rental

4) What do I need to do if elected? I had to write a 1-2 paragraph biography on myself and what I have done for the community.

Did I miss anything ?

What else would you have asked if in my shoes ? I consider it an honor to be considered and definitely want to do it, and have even written a biography like he asked in case I do accept the invitation.

Elections are 1st Saturday in May...    

 

7 comments • Scott Blanchard • February 18 2008 11:48AM

Goodwill Letter #1

Date

Company name
Address

Re: Acct # XXXX-XXXX-XXXX-XXXX

Dear CEO name,

I am writing to you today regarding my credit card account #4236-XXXX-XXXX-XXXX which I had while I was a medical student at ------------------------------------. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in June of 2006.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

As soon as I became aware of the balance I contacted ----------------- and paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with ----------- is not a good indicator of my actual credit worthiness. I hope that ---------------- is willing to work with me on erasing this mark from my credit reports.

I would like to STRESS that the information currently being reported IS accurate, (I am not disputing anything with ---------------). I am simply asking -------------for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be ------------- normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that ------------- will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Best Regards

Name
123 Your Street Address
Your City, ST 01234

 

0 comments • Scott Blanchard • February 11 2008 09:52AM

BK LOE # 1

Date

Dear "Loan Officer's Name",

I am writing to explain the bankruptcy I filed on 9-23-04. I had to file bankruptcy due to a series of unfortunate circumstances to my finances. Please allow me this time to explain.

{Explanation}

Thank you for taking the time to review my explanation. If you have any questions, please do not hesitate to contact me regarding this letter.

Sincerely,

Your name

0 comments • Scott Blanchard • February 11 2008 09:51AM

Hot Choclate

Hot Chocolate

A group of graduates, well established in their careers, were talking at a reunion and decided to go visit their old university professor, now retired. During their visit, the conversation turned to complaints about stress in their work and lives. Offering his guests hot chocolate, the professor went into the kitchen and returned with a large pot of hot chocolate and an assortment of cups - porcelain, glass, crystal, some plain looking, some expensive, some exquisite - telling them to help themselves to the hot chocolate. 
 
When they all had a cup of hot chocolate in hand, the professor said: "Notice that all the nice looking, expensive cups were taken, leaving behind the plain and cheap ones. While it is normal for you to want only the best for yourselves, that is the source of your problems and stress. The cup that you're drinking from adds nothing to the quality of the hot chocolate. In most cases it is just more expensive and in some cases even hides what we drink. What all of you really wanted was hot chocolate, not the cup; but you consciously went for the best cups... And then you began eyeing each other's cups. 
 
Now consider this: Life is the hot chocolate; your job, money and position in society are the cups. They are just tools to hold and contain life. The cup you have does not define, nor change the quality of life you have. Sometimes, by concentrating only on the cup, we fail to enjoy the hot chocolate God has provided us. God makes the hot chocolate, man chooses the cups. The happiest people don't have the best of everything. They just make the best of everything that they have. Live simply. Love generously. Care deeply. Speak kindly. Enjoy your hot chocolate.
0 comments • Scott Blanchard • February 11 2008 09:12AM

9 Words Women Use.....


1. Fine : This is the word women use to end an argument when they are right and you need to shut up.
 
2. Five Minutes : If she is getting dressed, this means a half an hour. Five minutes is only five minutes if you have just been given five more minutes to watch the game before helping around the house.
 
3. Nothing : This is the calm before the storm. This means something, and you should be on your toes. Arguments that begin with nothing usually end in fine.
 
4. Go Ahead : This is a dare, not permission. Don't Do It!
 
5. Loud Sigh : This is actually a word, but is a non-verbal statement often misunderstood by men. A loud sigh means she thinks you are an idiot and wonders why she is wasting her time standing here and arguing with you about nothing. (Refer back to #3 for the meaning of nothing.)
 
6. That's Okay : This is one of the most dangerous statements a women can make to a man. That's okay means she wants to think long and hard before deciding how and when you will pay for your mistake.
 
7. Thanks : A woman is thanking you, do not question, or Faint. Just say you're welcome.
 
8 . Whatever : Is a women's way of saying @#$! YOU!
 
9. Don't worry about it, I got it : Another dangerous statement, meaning this is something that a woman has told a man to do several times, but is now doing it herself. This will later result in a man asking "What's wrong?" For the woman's response refer to #3.
6 comments • Scott Blanchard • February 08 2008 09:49AM