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Thursday, September 21, 2017

Hobbies

Hobbies such as photography, pottery, and gardening can all be turned into money-making activities.  If you have a hobby, chances are good there is someone out there willing to pay for what you produce.  Suzanne is a professional photographer.  There are numerous websites out there dedicated to selling digital photographs as stock images.


You could also pick up a little extra jingle by selling your services as a semi-professional photographer.  Your would-be customers should be advised that you will do the best job you can, but you are not yet a professional and might not get the exact shot they desire,


An upfront, non-refundable deposit should be charged to offset any expenses you incur getting to the event, etc.


If you can start plants from seeds or cuttings, you may be able to start plants and sell them to nurseries and greenhouses in your area that cannot keep up with the demand.


Do you like to read?  You could proofread manuscripts.  Let’s face it, most new books could really use a good proofreader.


Do you like to sew?  Many people who are on a budget, but who cannot find modest clothes that fit, would love to find someone who is interested in making an outfit or two for them without breaking the bank.


Yes, if you are going to make a living as a tailor you need to charge professional prices.  However, if your customers are willing to accept a few imperfections while you learn, why not charge them a little less?  Your clients should understand upfront that you are not yet a professional, but you will give them the best product you can in the meantime.


You should require a non-refundable deposit upfront in an amount sufficient to cover your costs of materials and supplies.  If your customer does not want the finished article, you have not lost money on the deal.



If you can think of other hobbies that could earn a little extra money on the side, please share them with us by dropping us an email at: gindysvideos@gmail.com.  Please subscribe to our YouTube channel as well.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.


Please Visit My Child Bride Suzanne's Blog




I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Monday, September 18, 2017

Book Review:Keep Climbing: A Millennial'$ Guide to Financial Planning by David Rosell



We live in a very different financial world than our parents did.  Millennials have different hopes and dreams for their lives than generations past did.


Keep Climbing: A Millennial'$ Guide to FInancial Planning by David Rosell addresses this different financial world in a way that would be appealing to many Millennials.


Face it, most books on personal finance are about as entertaining as watching paint dry.  Rosell uses stories from his past adventures to illustrate the lessons he teaches in Keep Climbing.

This book is entertaining while at the same time being educating. We live in a world where most young people look at text and respond with “TLDR”.  They do this because saying “Too long, didn’t read” is just too time consuming for this instant gratification generation.

We give Keep Climbing all five stars.  We think that the target audience will find it very helpful to them as they plan their financial futures.

Five Star Review


We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Sunday, September 17, 2017

Book Review: Secrets of My Vegan Kitchen: A Journey into Reversing My Diabetes Without Medication by Nara Schuler




Our family has been dealing with diabetes, and the complications that come with the condition, for many years.  We have been researching different ways to fix the complications and the answers keep coming back the same - eat whole, raw foods.

Nara Schuler was diagnosed with Type 2 diabetes and refused to accept it as a way of life.  Instead, she found a diet that helped her become diabetes-free.  She tells us about it in the excellent book Secrets of My Vegan Kitchen: A Journey into Reversing My Diabetes Without Medication.

This book is very well-written and researched.  The author has been eating the diet for years and it works well for her.

We have read many books that tell of the wonderful health benefits of eating a proper natural diet.  We have seen it actually work in a member of our extended family. We give this book all five stars.


Five Star Review



Secrets of My Vegan Kitchen not only reports on the good results of living on this whole food diet, it also contains many delicious recipes to try.




We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Press Release:The Financial Checklist: Tools and Strategies for Securing Your Finances After a Natural Disaster



The following is a press release.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


New York, NY: The nation has been watching in disbelief as Hurricane Harvey put over 32,000 residents in Texas shelters and damaged over 40,000 homes, and our hearts go out to those affected by the storms and flooding in Texas. We wanted to lend our expertise by putting together a list of basic but crucial steps for survivors to take in order to gain a stable financial footing after natural disasters strike.
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Apply for Disaster Assistance
Hurricane Harvey may inflict as much as $30 billion in damages on homeowners, but only about 40% of that is expected to be covered by insurance.  If you find yourself within a presidentially declared disaster area, you may qualify for federally funded disaster assistance that can help.  Check out the Federal Emergency Management Agency (FEMA) by visiting their website at Fema.gov or calling 1-800-621-FEMA to see if you qualify for disaster assistance.  You may qualify for special loans for homeowners, small business owners, or farmers that can help you repair and replace damaged property.  
Visit www.disasterassistance.gov to learn more, but be mindful of the expected repayment plans on any SBA loans before applying.  You may also want to reach out to a financial coach or a local nonprofit agency such as the American Red Cross to make the recovery process a bit less stressful, as they’ll be able to update you on your assistance status, provide resources you may not have thought of, and advocate for you throughout the process.
Assess Financial Standing
Calculate your monthly income and expenses.  Download the free  Change Machine Monthly Income and Expense sheet, or other free online tools such as this Monthly Budget/Spending Plan by the University of Minnesota Extension.  You can also book an appointment with a free financial coach near you who can work with you to map out your necessary expenses, set a financial goal, and create a plan to move forward.  You may contact lenders to ask for extensions on credit card payments or other loans, and a financial coach may be able to help you negotiate a temporary payment plan or grace period.  
Contact Credit Card Companies
If you are unable to make your monthly payments, contact your creditors and apply for any available hardship programs that will temporarily suspend or lower payments, interest rates, and/or fees. This will help ensure your credit remains in good standing when you are back on your feet. Check your credit report for free at annualcreditreport.com, and be sure to lookout for any inaccuracies.
Secure State ID
Proof of identification, such as a driver’s license, birth certificate, adoption papers, social security cards, passports and citizenship papers are the single most important types of documentation to protect and take with you.  In the event that you had to evacuate and weren’t able to take your ID with you, you should make it a priority to secure a new one, as a proper ID can help you successfully replicate other types of records.  The Texas Department of Public Safety (DPS) is currently offering FREE replacement ID to residents who were affected by Hurricane Harvey.  You can also work with your local DMV.  
Reach out to Vendors and Utility Companies
Information is critical during catastrophic events and emergencies.  When you are worrying about your family, your pets, and your personal safety, calling your cable or internet provider is understandably not going to be the highest priority on your list, but once you are safe and ready to begin the rebuilding process, calling all of your creditors, vendors and utility companies will help you stay on top of your finances.  If you’ve lost power and are without electricity, your local utility company may also be able to recommend resources that can help and keep you informed of the latest updates.  To start, review your recent bank statements and make a list of all of the companies you’ll need to call.   
Do an Insurance Check
Ask for copies of your insurance policies so that you can read through them thoroughly and get a grasp on everything they do and do not cover.  If your car, home or property was damaged, report the damage accordingly, and don’t forget to keep a detailed list of the damage and take photos.  To locate a bank or institution’s federal regulator, call the FDIC toll-free at 1-877-ASK-FDIC.  To locate your state’s insurance regulator, go to the National Association of Insurance Commissioners (NAIC) website.  The Texas Department of Insurance has a running list of storm resources and office closures located under ‘Help after Harvey’.    
Start to Rebuild
  1. Reach out for support, there are groups available to help if you are dealing with an individual or family crisis. (Hurricane Harvey Relief Fund, Global Giving, United Way of Greater Houston, the Center for Disaster Philanthropy, The Salvation Army, Samaritan’s Purse, Coalition for the Homeless/Harris County, Houston Food Bank, Galveston Food Bank, and Feeding Texas  - just to name a few.)


  1. Check out the Consumer Financial Protection Bureau’s (CFPB) Checklist to Rebuilding Your Finances. (Also worth a read are their tips on watching out for fraud as you rebuild.)


  1. Stay in touch with your creditors to avoid any penalties, interest charges, or future damages to your credit score.


  1. Make an appointment with a financial coach near you if are feeling overwhelmed and would like someone to help you get your finances back in order.  The Financial Clinic has Change Machine financial coaches across the country, reach out to us to find a free financial coach near you.  They can also help you build up your emergency savings and open up free accounts.



About The Financial Clinic: The Financial Clinic’s mission is to build working poor peoples' financial security through an ecosystem of strategies that includes direct service, capacity building with other nonprofits and systems-level solutions and social innovations to create lasting change. A high-performing organization with a focus on results, the Clinic has put over $60 million back in the pockets of more than 40,000 customers, supported more than 360 organizations in 30 states in embedding financial security actions into their program models, and successfully launched several policy campaigns in support of working poor families, including the recent passage of “Refund529” promoting college savings through the New York State tax refund. Read more at thefinancialclinic.org.


If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog


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I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!