Beware – New way for stalkers to find you or your children

 Geo Tagging 2

This tech crazy world does have its benefits.  I love my laptop, Facebook, and Kindle.  To be honest, I am not overly savvy on cell phones just because I hate to talk on the phone but I certainly understand the handiness of it all.  I am a person who has tons of pictures posted on Facebook.  However, as a parent, I am extremely disturbed about the trend of geotagging on iphone and android phones.

We all do it.  We take a picture with our phone and upload it straight to Facebook.  But, did you know that cell phone pictures have built in geo tagging, you know the same technology that is in your GPS?  Well, unless you disable it, your phone automatically tracks the location of your pictures.

Who cares, right?  Well, we all should because stalkers and pedophiles can use this information to find out exactly where the picture was taken.  They can track it straight to your home, your child’s school, the local park, and many more places I haven’t even thought about yet.

Geo Tagging

There are several very helpful articles about how to disable geo tagging on your phone.  I urge you to research this and decide if you want your pictures geo tagged.  I’m not telling you which way to go, I just think we should be informed about the information we are sending out into cyberspace.

Creepy App

I Can Stalk U

Tracking Via Your Cell Phone

Take the time to educate yourselves, especially if you are a parent.

What do you think of the ability of others to track your location?  Have you ever considered the negative ramifications of the technology?  Post your comments below.

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How to Teach a Child to Tie Their Own Shoes the Easy Way

As many of you know, I am a Pre-K teacher.  One skill that can be frustrating for children to learn is how to tie their own shoes.  I recently ran across a site that had used a technique I had never heard of before and it is unbelievable.  Who knew it could be so simple?

If you are interested, check out the site here. The point of view video at the bottom is the best!

 

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Bored Out of My Mind and Feeling Old

bored

For all those those who think that teachers have it made because they have the summers off, let me tell you that I am SO ready for school to start.  Yes, it is a lot of work and there are many days when I am ready to pull my hair out because I feel so ineffective.  But the lack of a definite schedule is driving me bonkers.

For example, as I type I am sitting at the skating rink in a corner booth with my laptop.  As always, I found a deal.  It is $2.00 Tuesday so my little one and her friend are having a blast out on the rink.  I brought my laptop and teacher bag with the intention of getting a jump on some lesson plans.  Instead, I am sitting here wishing I was anywhere else.  Let’s just be honest, a skating rink full of preteens is not a fun place to be unless you are a preteen.

In addition to being insanely bored, I am also feeling unbelievably old since today is my oldest daughter’s 19th birthday.  She came up and spent the night with us and now she is gone back home and back to her normal life.  Where did those years go?  When did I become my mother?  I don’t feel that old but the person looking back at me from the mirror each morning tells a different story.

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HUD Good Neighbor Program Home Foreclosure Deal

HUD

If you are a frugal person you probably already know that buying a foreclosure property can be a great money saving plan.  But did you know that if you are a firefighter, teacher, EMT, or police officer, that you can save even more.  A lot more.  50% more!

HUD has a program called HUD”s Good Neighbor Next Door.  This program offers certain properties at a 50% discount when purchased by people in those professions.

You can find out more about this program and which properties are available by going to HUD’s website: here.  There are properties available nationwide and they are added almost daily to the site.  If you or someone you know is in one of these professions, you may find an awesome bargain on a home.

good neighborI would love to hear from anyone who has experience with this program.  Did you find a home using this program?  Was it a positive experience.  Please add your stories in the comment section.

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CVS Deals 7/14-7/20

thriftylivin:

CVS is by far my favorite store for new couponers. Their coupon policy is easy to understand and ECB’s make for some serious deals.

Originally posted on Hip2Save:

If you are a newbie to CVS shopping, head on over here to check out the CVS Store Guide! And if you are new to all this coupon mumbo jumbo (huh?!), then check out our Coupon Newbie section.

Before starting your shopping trip this week, be sure to scan your CVS card at the Magic Coupon Machine this week to see what CVS store coupons print for out that you can also combine with manufacturer’s coupons for some great deals! It appears that select regions may be receiving a $3 off $15 purchase coupon, which will sweeten the deals below! (Thanks, Frugal for You!)

Want to create your own custom printable shopping list?!
Simply click on the printer icon to the right of the post title and then follow the instructions to easily remove portions of the weekly deals that do not interest you. Then print and take…

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7/14 Sunday Newspaper Coupon Insert Preview

thriftylivin:

Remember to keep up with when coupons are released. No reason to buy a paper with no coupons in it.

Originally posted on Hip2Save:

So, once again, it’s Saturday and time for another Sunday coupon insert preview! Below you will find a long list of coupons that reader, Carol, will be receiving in her Washington Post newspaper tomorrow, 7/14/2013. I would suggest checking the list below and also heading on over to Sunday Coupon Preview to get an idea of what coupons you may receive. Please keep in mind that NOT all areas will get the same coupons or coupon values.

There will be two coupon inserts in the 7/14/2013 Sunday newspaper. You should receive one SmartSource coupon insert and one Red Plum coupon insert. Also, make sure to check your Parade Magazine or USA Today (depending on where you live) for possible coupons as well. In fact, you may spot a $2/1 Kerasal product coupon in your Parade magazine this week!

Need a great deal on a Sunday Newspaper subscription so…

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The Many Negatives of a Bad Credit Score

credit scoreI must admit that I am a faithful follower of Dave Ramsey and fully believe in his teachings of not being in debt.  My husband and I have lived all of our married life this way.  We purchased our home foreclosed and with a loan from a family member, which we paid back with interest.  We have never financed a vehicle and have never purchased a new vehicle.  We are just people who choose to pay in cash and we don’t buy stuff that we can’t pay for outright.

As Dave Ramsey teaches, our credit score is a big fat zero.  Yes, I said 0, as in non-existent.  This has never bothered us because we don’t borrow money but recently we have had several instances in which our non-existent credit score has negatively affected our lives.

foreclosure

For starters, we now have a daughter that is 19 and as any parent would like to do, we would like to help her in her next stage of life.  She is currently renting a basement apartment and paying 400 per month.  With all of the foreclosures in the housing market, hubby and I decided that we could help her by buying a low cost foreclosure and allowing her to pay us back.  We felt that we could allow her to pay us a lower amount and help her get a better start in life.  She is working full time while going to college and is a very responsible young lady.  Anyway, we spent some time looking at HUD foreclosures on the HUD website here and found several places that we felt would work.  We assumed that we could borrow money against our home and have no problem.  WRONG!  When we called the realtor we were told that they wouldn’t even talk to us without being able to pull our credit history.  And or course, we don’t have one so she basically laughed at us.  Her answer was to go get a credit card to build our credit score so that we could build our score.

I also recently went to add insurance on a newly purchased used truck and found out that our insurance company now uses credit scores to determine insurance rates.  Guess what?  Ours went up because or our low score.

So I decided to do some research and found out that there are many negative impacts from a low credit score.  Many of which I did not know.  Did you?

  • Prospective employers can access your credit history to determine whether or not to offer you a job
  • Landlords can use your credit score to determine whether or not to rent to you or to determine how much of a deposit you must pay
  • Auto insurance rates may be higher
  • Home insurance rates may be higher
  • Deposits for utilities may be higher
  • It may be impossible for you to get a mortgage
  • It may be impossible for you to start a small business

credit card

With all of this taken into consideration, my husband and I have had a conversation I never expected to have.  We are considering getting a credit card!  GASP!  I know but we have to start somewhere so if you have other ideas, please help me out.  List them in the comments.  We are open to advice.

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