With school starting back up, CarLotta Credit and Car Sales thought these 5 ways to help your child do better in school could be very helpful. As a parent, after working a hard and long day yourself...it is easy to forget about your children's needs sometimes...
1) Listen. Listen, really listen without tv or other distractions, to what they tell you about their day. How do you feel when are trying to tell someone you care about, how your day went and they just "yes" you to death and watch tv? You can find out so much about your child just from this step. Are they feeling bullied? Are they happy with their teachers? Is the bus ride okay? Do they need help with their homework?
2) Read To Your Kids. When they are young, read to them. When they are older, read with them and encourage them to read on their own. If you feel books are too expensive to buy, there is always the library. The type of book or subject is less important then the actually reading. Set aside limited times for tv, video games and computer. This will give time for reading. How about trading 1 hour of tv for each 1/2 hour reading?
3) If they need help with their schoolwork, give it to them. If you do not feel qualified to help them with 7th grade math for example, ask around. You'd be surprised how many adults, and older kids, are good at school work...and are willing to help for free. You just have to ask. What help and support are available after school or in school?
4) Look at your child's homework and read their reports and papers. Give encouragement, maybe fix a spelling error or two and just show that you care. It is not about you helping them get an "A". It is about you caring about what they are working on and spending their entire day worrying about.
5) BE POSITIVE. It can be very difficult after a long day, but reward their effort with encouragement. How hard do you work if someone is on your case and negative every day? How about hiding a funny card or note in one of their books or tablets to bring a smile during a hectic day, or before a test? The small things do help.
These are just 5, but you see what I mean. If you love them...tell them and show them every day.
CarLotta, www.carlottacredit.com
Saturday, September 11, 2010
Saturday, September 4, 2010
How To Lower Your Car Insurance Rates
At CarLotta Credit & Car Sales we are always looking for ways to help you save money...here are a few tips to save you money on your car insurance.
* Sorry to say, but your driving record is an important part of your insurance cost. If you try to...obey posted speed limits, avoid parking tickets, stay alert and undistracted (like cell phones and nooooo texting), drive slowly and defensively...you will have a lower rate than someone who does not do these things.
* Shop your policy around with different agents, on line insurance companies and types of policy. All you need is an internet connection these days to see what prices you can get. Just Google..."low cost car insurance" and see what comes up.
* Raise your deductible. This can save you money, but be sure if you have a car loan on your car, that you abide by the bank or finance company deductible maximums. Also, don't raise the deductible so high that you are not able to pay it and get your car fixed in the event of an accident.
* Combine your home or apartment insurance with you car insurance for an additional discount. Some companies will give you more of a discount if you give them more of your business.
These are just a few ideas. Give them a try. We all would like to have a few dollars in our pockets right now.
CarLotta, http://www.carlottacredit.com/
* Sorry to say, but your driving record is an important part of your insurance cost. If you try to...obey posted speed limits, avoid parking tickets, stay alert and undistracted (like cell phones and nooooo texting), drive slowly and defensively...you will have a lower rate than someone who does not do these things.
* Shop your policy around with different agents, on line insurance companies and types of policy. All you need is an internet connection these days to see what prices you can get. Just Google..."low cost car insurance" and see what comes up.
* Raise your deductible. This can save you money, but be sure if you have a car loan on your car, that you abide by the bank or finance company deductible maximums. Also, don't raise the deductible so high that you are not able to pay it and get your car fixed in the event of an accident.
* Combine your home or apartment insurance with you car insurance for an additional discount. Some companies will give you more of a discount if you give them more of your business.
These are just a few ideas. Give them a try. We all would like to have a few dollars in our pockets right now.
CarLotta, http://www.carlottacredit.com/
Thursday, August 26, 2010
Benefits Of Buying A Car From CarLotta Credit
Here are just a few of the benefits of purchasing your next vehicle from CarLotta Credit...
* Selling cars to people with credit issues, is our only business. This is what we do since 1986 every day! Nothing you have to say is going to embarrass you or surprise us. We will make you feel comfortable and try to see if we can help you with your vehicle needs. No pressure to buy.
* All vehicles are serviced in our shop by qualified technicians. In fact, we spend for repairs and reconditioning on average over $1000 on every car we sell!
* All cars come with the exclusive CarLotta Credit warranty.
* Since the successful completion of your loan is our goal...we aim to have every vehicle, and payment affordable to your individual situation.
* Our cars are vehicles you can be proud to own.
* At CarLotta Credit, your on time payments can help you improve your credit rather quickly. We report to the credit bureau monthly, to give you the fastest improvement possible. Most of our competition DOES NOT report to the credit bureaus.
* Our 3 convenient locations make your vehicle shopping very easy.
* Our web site offers on line credit info submission, our blog, and a convenient way to make your payment 24/7 from the comfort of your own home.
This is only a few reasons to make CarLotta Credit and Car Sales the place to buy and finance your next car!
CarLotta, www.carlottacredit.com
* Selling cars to people with credit issues, is our only business. This is what we do since 1986 every day! Nothing you have to say is going to embarrass you or surprise us. We will make you feel comfortable and try to see if we can help you with your vehicle needs. No pressure to buy.
* All vehicles are serviced in our shop by qualified technicians. In fact, we spend for repairs and reconditioning on average over $1000 on every car we sell!
* All cars come with the exclusive CarLotta Credit warranty.
* Since the successful completion of your loan is our goal...we aim to have every vehicle, and payment affordable to your individual situation.
* Our cars are vehicles you can be proud to own.
* At CarLotta Credit, your on time payments can help you improve your credit rather quickly. We report to the credit bureau monthly, to give you the fastest improvement possible. Most of our competition DOES NOT report to the credit bureaus.
* Our 3 convenient locations make your vehicle shopping very easy.
* Our web site offers on line credit info submission, our blog, and a convenient way to make your payment 24/7 from the comfort of your own home.
This is only a few reasons to make CarLotta Credit and Car Sales the place to buy and finance your next car!
CarLotta, www.carlottacredit.com
Friday, August 20, 2010
Why Should You Use Coupons When Shopping?
At CarLotta Credit and Car Sales we ask the question...Why should you use coupons when you shop? There are many sources of coupons out there that you may not have even thought of. Coupons can be "2 fors...", "% discounts", or "$1 off".
* If you look for the coupons for the stores you like, say in the newspaper on sundays, there are pages of them. Try Googling your normal stores and type in coupons after their name. You may be able to get codes or printable coupons on line.
* Stores try to lure you in with the coupons. Be careful not to buy too many full price items in the store after you have used your coupons. If you need to shop multiple stores to get your bargains, it amy be worth it.
* Keep your coupons organized and with you. If you see one you might use, file it. But, if you do not have it with you, it won't help you. Keep them in your purse, wallet or car.
* Make a list when you shop and check off the items you need and the coupons you have.
If you consistently use coupons, you will save money.
Carlotta, http://www.carlottacredit.com/
* If you look for the coupons for the stores you like, say in the newspaper on sundays, there are pages of them. Try Googling your normal stores and type in coupons after their name. You may be able to get codes or printable coupons on line.
* Stores try to lure you in with the coupons. Be careful not to buy too many full price items in the store after you have used your coupons. If you need to shop multiple stores to get your bargains, it amy be worth it.
* Keep your coupons organized and with you. If you see one you might use, file it. But, if you do not have it with you, it won't help you. Keep them in your purse, wallet or car.
* Make a list when you shop and check off the items you need and the coupons you have.
If you consistently use coupons, you will save money.
Carlotta, http://www.carlottacredit.com/
Sunday, August 15, 2010
Inexpensive Ways To Have Fun With Your Family Even During The Recession
At CarLotta Credit and Car Sales we believe that this tough economy does not have to be boring or ruled by your TV schedule. You and your kids can have fun, spend some time together and not spend a lot of money. Try these...
* Do you have a green thumb, or want to? Gardening is inexpensive, fun with kids of all ages and can be beautiful if you plant flowers and bushes, or healthy if you plant vegetables or tomatoes. You do not need a lot of space. Live in an apartment? Try window boxes. A small yard, use some scrap lumber and make a few outside boxes in your yard.
* Camp in your backyard or a local campground. Pick a nice night and you do not even need a tent. Tell stories, look at the stars and talk.
* Check out UTube with your kids. Look for the funny PG rated videos and see who can find the funniest.
* Do a Garage Sale and raise extra money. The set up and running of a sale is a great activity for kids.
* How about a weekly family day? Each one could be a little different. For example, one could be playing cards or card games. Another would be board games. How about an art night with some painting, cutting out things or making funny posters. Use your imagination.
Someone once said that, the best thing you can spend on your kids and each other... is your time.
All these activities have one thing in common. You will be spending more time with your kids.
* Do you have a green thumb, or want to? Gardening is inexpensive, fun with kids of all ages and can be beautiful if you plant flowers and bushes, or healthy if you plant vegetables or tomatoes. You do not need a lot of space. Live in an apartment? Try window boxes. A small yard, use some scrap lumber and make a few outside boxes in your yard.
* Camp in your backyard or a local campground. Pick a nice night and you do not even need a tent. Tell stories, look at the stars and talk.
* Check out UTube with your kids. Look for the funny PG rated videos and see who can find the funniest.
* Do a Garage Sale and raise extra money. The set up and running of a sale is a great activity for kids.
* How about a weekly family day? Each one could be a little different. For example, one could be playing cards or card games. Another would be board games. How about an art night with some painting, cutting out things or making funny posters. Use your imagination.
Someone once said that, the best thing you can spend on your kids and each other... is your time.
All these activities have one thing in common. You will be spending more time with your kids.
Monday, August 9, 2010
5 Helpful Tips To Renting An Apartment
At CarLotta Credit and Car Sales, we know that sooner or later everyone needs to look for an apartment or move from the one they live in now. Here are 5 tips to make this process a little easier.
1) Depending on your income, and the area you live in ...there may be some assistance available to you in the way of rent subsidies. Check out this website for general info Section 8 Housing assistance. You can also go to this website for a listing of the County Housing Authorites that administer this program.
2) How much does it cost? It is not just the cost of the rent, are you responsible for anything else? Is heat, electric or any maintenance your responsibility? This stuff can add up. What is your budget? Try to establish a budget and stick to it.
3) What are the schools like in the area you are looking at? How far are the schools away from the apartment? If they do after school activities, the closer the better. If your kids will be riding the bus, where is the bus stop? School quality can make a huge difference in your kids future.
4) Review the lease and/or rental agreement. How long does it last? What are the conditions that could lead to you being asked to leave? Noise, cleanliness, garbage, rental deposit, pets? Read it, if you are unsure of what to look for, have someone you trust read it.
5) Is the apartment safe? Does it have smoke detectors, fire escape (if second floor), proper exits? Is the electrical service up to code, stove and furnace been serviced? Do the locks on doors and windows work and who has the keys?
These are just the basics, but they can save you time and trouble. Good hunting.
Carlotta, http://www.carlottacredit.us/
1) Depending on your income, and the area you live in ...there may be some assistance available to you in the way of rent subsidies. Check out this website for general info Section 8 Housing assistance. You can also go to this website for a listing of the County Housing Authorites that administer this program.
2) How much does it cost? It is not just the cost of the rent, are you responsible for anything else? Is heat, electric or any maintenance your responsibility? This stuff can add up. What is your budget? Try to establish a budget and stick to it.
3) What are the schools like in the area you are looking at? How far are the schools away from the apartment? If they do after school activities, the closer the better. If your kids will be riding the bus, where is the bus stop? School quality can make a huge difference in your kids future.
4) Review the lease and/or rental agreement. How long does it last? What are the conditions that could lead to you being asked to leave? Noise, cleanliness, garbage, rental deposit, pets? Read it, if you are unsure of what to look for, have someone you trust read it.
5) Is the apartment safe? Does it have smoke detectors, fire escape (if second floor), proper exits? Is the electrical service up to code, stove and furnace been serviced? Do the locks on doors and windows work and who has the keys?
These are just the basics, but they can save you time and trouble. Good hunting.
Carlotta, http://www.carlottacredit.us/
Tuesday, August 3, 2010
5 Things That Should Always Be In Your Car
CarLotta Credit and Car Sales would like to remind you...No matter what the weather, summer or winter, these are the 5 things you should always have in your car. I did not list a cell phone, as just about everyone has one nowadays.
1) First Aid Kit. You never know what can happen. If you have kids, this is even more important. You might want to add a few extra bandages to the kit. They are small and are not affected by the temperature changes in your car.
2) Flashlight. The best one is the type that you hold in your mouth, or the kind that strap on your head. This will free up your hands for whatever might need to be done.
3) Jumper Cables. You left your lights on and the car won't start. The battery is old and failed. This handy item is often used and easy to store.
4) Spare Tire. Whether it is a full sized tire or a space saver, check it to be sure it is the right size for your car and is filled to recommended air pressure. In addition, be sure you have the jack and tire wrench to remove the flat tire and put on the spare tire.
5) Blanket. In case of an accident, or illness, a very comforting item.
All these items are reasonably priced and make your life much easier in an emergency.
CarLotta, http://www.carlottacredit.com/
1) First Aid Kit. You never know what can happen. If you have kids, this is even more important. You might want to add a few extra bandages to the kit. They are small and are not affected by the temperature changes in your car.
2) Flashlight. The best one is the type that you hold in your mouth, or the kind that strap on your head. This will free up your hands for whatever might need to be done.
3) Jumper Cables. You left your lights on and the car won't start. The battery is old and failed. This handy item is often used and easy to store.
4) Spare Tire. Whether it is a full sized tire or a space saver, check it to be sure it is the right size for your car and is filled to recommended air pressure. In addition, be sure you have the jack and tire wrench to remove the flat tire and put on the spare tire.
5) Blanket. In case of an accident, or illness, a very comforting item.
All these items are reasonably priced and make your life much easier in an emergency.
CarLotta, http://www.carlottacredit.com/
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