Live and Learn: How I Got into Credit Repair

For many years, over 20, I have provided professional services to mainly my dad’s friends, senior citizens that didn’t speak much English. Social security papers, employment documents, etc., I would help them fill out whatever form they needed assistance with. From there, I started giving business advice to those same Spanish speaking friends of my dad that owned businesses. I was typing papers and letters for various businesses, all before going to college. Learning about credit repair was not even an idea at the time, honestly I didn’t know something like that existed at the time

As the years went by, I continued studying and expanded into the legal field, with an ultimate goal of becoming a lawyer. I became a paralegal to get practice in the field, but doing the administrative and research part was, to me, more enjoyable and I desisted on going to law school. I continued to do some business consulting and assisting as I worked in various law firms through out years, gaining experience in various sectors of the legal field. I concentrated on my career, and was not involved in the family real estate business at this point of my life.

The Downfall

Then, Hurricane Sandy hit in October 2012, and everything changed. The house we lived in was damaged during the storm, looted by thieves afterwards, and insurance didn’t cover any of it. FEMA gave us approximately $4,600 for repairs, but that all went mainly on the clean up and removal of the tree that fell on the house and securing the house to prevent further break-ins. I wasn’t worried about the money at the time because we owned property, in mind it was going to be easy to get a loan for everything we needed to repair and move back home. Boy was I wrong. My dad was developing Alzheimer’s and had not been running the business correctly. I was so busy with my career and kids that I didn’t see the signs that he was sick. He had fallen on several occasions, but each time the doctors said it was because my dad was drinking. He was labeled an alcoholic and was not tested on, if they had , they would have discovered he was having seizures. The seizures were accelerating the Alzheimer’s symptoms, which explained why the business was the way it was.

I tried getting a loan, and was denied because the business didn’t have credit. How could this be when the properties all have a total combined value of approximately $1.2 million. Why am I being denied when we are technically millionaires, at least on paper? The business didn’t have a red cent to its name. The tenants had already noticed something was wrong and were taking advantage of the situation.

I took a step back and started taking control of it all. I began evicting all the non paying tenants, and I took steps to rehab the properties, as they were in disrepair. While all of this was being done, I began to take courses on finances and credit. I had to learn why I was denied, and what I had to do to fix that. It took time but I have learned the ins and outs of credit repair and building credit files for both individuals and businesses. I decided to incorporate my consulting business and build a separate credit file, as I have learned my lesson, the hard way, but at least I learned. I also want to teach others the same before they are faced with a predicament like mines, so I added the service to the list of professional services I offer. Running a business can be bank-breaking, especially the first two years in business. Being able to establish credit early in order to enable the business to run continuously is essential if you want to succeed.  Don’t wait until it’s too late.

I hope my story sets an example of what not to do, and make sure your finances are in order, both business and personally. It’s best to always be prepared because you can’t rely on things, like insurance, to get back on your feet in the face of adversity.

Save $$$ on Halloween Candy….Hurry and Print

Jack-o-lantern

Halloween is only two weeks away, and there are coupons available for savings when buying candy for all those cute trick or treaters. Last year, most of us had a difficult Halloween because of Hurricane Sandy. Many of us are still living outside of our homes and money is limited, especially of you are trying to rebuild and fix your home. I’m still trying to get the funds to replace my roof, I still have no roof on my house, but some people were nice enough to donate some supplies. I still try to save on as much as possible, and candy is no exception. Here are some great coupons that can be paired with great deals to snag some big bags of candy for Halloween. Here are the coupons available now for print:

 

Tickets are still available for Blood Manor, Times Scare and the Haunted Pumpkin Garden. Make sure you get your tickets today at low discounted prices.

If you are looking for more coupons, then check out the Red Plum, Hopster, Coupons.com, Smart Source and Saving Star pages.

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York Photo – Free Halloween Trick-or-Treat Bag

York Photo

Halloween is a couple of weeks away, and we are all preparing for the festivities buying costumes and decorations. Hurricane Sandy got int the way of many, and trick or treating was scant last year. Hopefully this year we will have a better holiday for the kids to celebrate. If you are going trick or treating, this is a great deal for you. For a limited time only, order your FREE Halloween Trick-Or-Treat Bag from York Photo. York Photo has the Halloween Trick or Treat Bags for $9.99. Add it to your cart and personalize it to your liking adding pictures and/or wording to it. At checkout, use coupon code “TRICKTREAT” and $9.99 will be deducted from your total price. Just pay shipping and handling and your bag should arrive in about a week, enough time before Halloween arrives.

CLICK HERE and get your FREE Halloween Trick-or-Treat Bag

Don’t forget to get your FREE movie ticket for Cloudy With a Chance of Meatballs 2, CLICK HERE  for details.

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Disappointed in the School Trips

museum post

I have my daughters in private school because I think today the education is better than in public schools. I went to public school for elementary and middle school, but high school I did in a private institution. Back then, things were different, and I did not go to private school because it was better. My mother wanted me to have a more christian education and since I was old enough to travel alone, I was placed in a private high school in Queens, New York. My middle school was great and I took high school level classes, for which I took the Regents exams so I could get the high school credit. I had an awesome principal, Mr. Alfred Ford, who took the time during lunch to tutor a group of us, and had us take SSAT exams for entry into exclusive schools across the country. This type of dedication from a principal was great but I noticed that in the private school everything was more impersonal, even though it was a christian school with allegedly christian values.

Even though my experience was a not so great one, I still placed the girls in private school because the education system in New York City has gone downhill. The problem is not the teachers or the principals, but the parents of students that believe the education of their respective kids is the job of the teacher. Even though when my parents did not speak much English, they still took the time to speak to the teachers and help with the homework assigned to us. Some parents are only seen by the teacher on parent teacher conference and sometimes not at all. I have such an open communication with my girls’ teachers that I even get punishments extended to them at school. I work with them and send in notes because sometimes waiting until parent teacher conference does not help and may hinder the education of the girls.

Asia Gate Entrance at Bronx Zoo.

The one thing I notice is that is lacking in both the public and private schools are school trips. I remember going on school trips once a month, whether to the Bronx Zoo, New York Botanical Gardens, one of the many museums in the city or any one of the thousands of plays and shows available. My oldest has been in school for 6 years now (2 years of Pre-K) and she has gone on one school trip, and it was to the movie theaters to see Oceans. In the 80s, my parents paid $5.00 for every trip to cover expenses and if a parent was also going on the trip $10.00. School trips are essential for kids to learn as they get see things hands on in the real world. I don’t know the reason school trips are not done like before, because one trip per year is not enough for our kids to get some culture and exposure to the arts and sciences. Some parents don’t have the time to take their children to museums because of work schedules and sometimes even the cost of admittance is out of their reach when they have to pay for more than one at a time.

I’m going to do my best and take the girls to different museums every time they have a day off from school, and that is guaranteed to be once per month as the school always holds a conference day. I had not done so before now because I was under the impression that their girls would be going on school trips like I did when I was their age. Easter vacation will be starting soon and i plan to have a fun-filled week for them because they do deserve it. We have gone through so much in the last couple months after Hurricane Sandy and it’s not fair to them since they don’t understand why we still cannot go home. A little entertainment will help them forget about all we have lost and value what we still have left.

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Thanksgiving Coupons for Your Meal….Hurry & Print

English: Photo showing some of the aspects of ...

Thanksgiving is this week Thursday and here are the coupons that are still available to help you save money on your dinner. Many of us here in the northeast are still recovering from Hurricane Sandy and the nor’easter that slammed us back to back. Even if you are not planning to do a dinner, these coupons are great for you to get items real cheap that can be donated to your local food pantry. Many people in the Rocaways, Staten Island, Brooklyn, and New Jersey are still displaced and every bit helps. My daughters’ school is having a canned goods drive and I’m using many of these coupons to get the donation items on the cheap.

Foods

Beverages

Baking

Condiments & Sauces

Side Dishes

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FREE Night of Laughter @ Levity Live

People are still affected by the aftermath of SANDY, and with another storm here Levity Live would like to offer a night of laughter on them.

In exchange for the COMPLIMENTARY ADMISSION they kindly ask you to donate canned food items and recovery supplies like batteries, flashlights, or anything to help Hurricane Sandy’s victims. Please bring supplies with you to the club, and they will deliver the supplies to charities in need.

Get your COMPLIMENTARY TICKETS online by visiting Levity Live. Choose Joe Derosa along with which showtime you will be attending and use the coupon code, “Eat Drink Laugh” at checkout or call 845-353-5400 and tell them the “Eat Drink Laugh” code. Tickets are Based on availability.

Showtimes

Thursday, November 8, 2012 8:00pm
Friday, November 9, 2012 7:30pm
Friday, November 9, 2012 10:00pm
Saturday, November 10, 2012 7:00pm
Saturday, November 10, 2012 9:30pm

Levity Live
Inside The Palisades Center
4210 Palisades Center Dr. A-401
West Nyack, NY 10994
(845)353-5400

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Hurricane Sandy Aftermath

This past week has been hell in city because people around here are not used to storms like this. The city came to a complete standstill during the peak hours of the hurricane. Once the storm was over, it was time to check out the devastation and damages Sandy left behind.

It took me 2 days to get a ride to the house since their were no trains available and gas is still scarce. I wasn’t ready for what had happened.

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Most of the damages were to the stonewall fence and the roof. At first I had no access to the house as the tree knocked down all the wires for area and they were resting right at my front door. My car is okay, yes that black one is mines, and I just have to concentrate on getting the yard clean since its still full if debris.

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I’m lucky that’s the only damages I have because it could’ve been worse. This massive tree could’ve swayed to the right and destroyed my home completely. Look at the size of that trunk and how it lifted the sidewalk.

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It’s been a week and my block still has no electricity. The tree was “removed” but according to the city employees the tree trunk and base is too big for their equipment. Now it’s a waiting game to see how long it takes for them to remove it. In the mean time, I will be rebuilding and repairing all the damage to my home. Hopefully, my daughters and I can move back in before Christmas. In the mean time, we will make due with what we have and be grateful that we are all safe.

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Hurricane Sandy Collection Drive and Meet JWOWW from Jersey Shore

English: Logo of the GNC

Tomorrow, Wednesday, November 7, 2012, at noon, head on down to the GNC store in Herald Square for a canned goods collection drive to benefit Hurricane Sandy victims. As a bonus, you can meet JWOWW from Jersey Shore, get an autograph and take a picture with her!!!

MANHATTAN MALL
901 AVE OF AMERICA
NEW YORK, NY 10001

Looking for some good gift ideas for Christmas, check out these Reebok and Jimmy Jazz deals, or some good pots and pans for mom. 🙂

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***UPDATE*** FREE GAS!!!!!!!! Hurry Hurry Hurry

Kingsbridge Armory

Hurry on over to the Bronx Armory, where FREE GAS is being handed out. 10-gallon limit per vehicle.ALTHOUGH THEY SAY 10-GALLONS PER VEHICLE, MY COUSIN HAD HIS TANK FILLED!!!They have been handing out gas since 10am…..hurry and get some today as most gas stations are still out of gas. Their is a wait for the gas but it is better than nothing.

Bronx Armory
10 West 195th Street
Bronx, New York 10468

*My cousin is at the Brooklyn Armory getting his gas too, so it seems their is a location in every borough handing out gas.

Don’t forget to check out this week’s Reebok and Jimmy Jazz deals for awesome gift ideas at low prices! 🙂

Meat Week Presents: Modern Beefsteak & Spirits Benefit For The Rockaways

In response to the aftermath of Hurricane Sandy, Meat Week NYC is shifting gears to raise funds for businesses that were severely impacted by the storm. 100% of proceeds from Meat Week’s Modern Beefsteak and Spirits event will now benefit hurricane relief efforts in the Rockaways.

Meat Week is coming back to New York City; the creators of Brisket King of NYC are going above and beyond the classic New York beefsteak and offering an all-you-can-eat-and-drink beef, spirits and craft beer tasting event on Thursday, November 8.

Chefs will create their favorite dishes with meat sourced from grass-fed cows on small co-op farms in upstate New York, like beef tartare, carpaccio, rare roast beef on white bread, beef shabu-shabu, beefsteak skewers, meatballs and pickled beef tongue.

Event is from 6:30 to 9:30pm.
You must be at least 21 years old to attend.
All sales are final. No refunds or exchanges.

Hudson Terrace
621 West 46 Street
New York, New York 10036

Limited Time Price: $45.00

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National Groupon Deals

As Hurricane Sandy keeps getting stronger, the deals I find keep getting better and better. Here are a few national deals offered through Groupon right now that are awesome. I am especially loving the $10 for $20 Body Shop offer. I love their soaps and lotions, and these items also make for some great stocking stuffers.


$10 for $20 at The Body Shop


Groupon:Save 68% on Goose Down Comforter (from $129)


$100 for JVC Flash Memory Camera

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