Tricia's Musings

Random Thoughts about life in general, living in the big city of Toronto



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Learn how to raise your credit rating

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I’ve just been introduced to a website that can help you raise your credit score by up to 200 points. The site has apparently even been discussed in the Wall Street Journal. Seasoned Trades offers a five step program that will help you raise your credit level within 90 days. This could be extremely helpful for anyone who’s maxed out their credit cards and ended up having them canceled as a result, or defaulted on payments or perhaps even filled for bankruptcy at one point in the past.

I know that I could probably have used some of this advice a number of years ago. Way back when I was just starting my jewelry business I was so short on cash I lived on my credit cards and totally maxed them out. Of course I couldn’t pay the minimum payments either so I ended up with canceled cards and big bills. It was terrible. And even though I hadn’t used a credit card in 15 years or so and had paid all my past bills many years before – my past poor credit history came back to haunt me when we were purchasing this house. I had to prove that I’d paid American Express something like 15 years before. I didn’t have the paperwork to back up my claim anymore. They said that I’d never paid and that they’d been trying to contact me for years. Odd … I hadn’t moved in that whole time, if they’d really wanted to get in touch with me I think they could easily have by sending me a letter. Funny how things like that work. Anyway, before we could get approved for our mortgage I ended up having to pay off American Express AGAIN. I swear I will never use one of their credit cards again and I’m very careful about how we use our credit cards now.

Anyway, If I’d known more about correcting my credit history at that time none of what I’ve just told you would have happened. I would have known to check my credit report shortly after paying off my overdue bills to be sure that everything was listed correctly.

Seasoned Trades can help you NOT fall into some of the problems that I experience and the information on the site can help you fix your credit rating with their methods. Visit the site and learn how to improve your credit rating.





Planning your wedding?

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This is the time of year when many couples end up getting engaged, and you know what happens almost immediately, sometimes minutes, after the proposal happens don’t you? The wedding planning begins. Am I right? Of course I am, I did it myself when I got engaged.

Once the wedding planning begins the bride to be’s mind will start to think of first where to get married, then who to invite and eventually somewhere along that long line of planning she’ll wonder what wedding favors she might give her guests.

Perhaps when she does start to think of what kinds of gifts to give her guests she might decide to take a look at Cheap Wedding Favors. This online store touts itself as an “Internet Wedding Superstore”. It has inexpensive personalized wedding favors for the guests, as well as for groomsmen and bridesmaids. You can have many of the items personalized at no extra charge.

There’s even cute novelty wear like the Soon to be Mrs. hoodie that can be personalized with the name the bride to be will take when she gets married. Visit the site if you or someone you know is planning their wedding.

Compare Insurance companies in the UK

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I thought that some of my UK readers might be interested in learning about this site that lets you compare Driver Insurance rates throughout all of the UK. I know that when looking for insurance it can be hard to find just the right type suited to your needs and it’s certainly nice when you come across information put out by a company that gives you articles on the various insurance companies and on the various types of insurance available.

That’s how I secured our insurance for our car when I was looking a few years ago. I’d found a Canadian based site that let me compare and it worked out perfectly for us. That’s why I know my UK readers will appreciate the information that this UK based website provides.

The company that runs the site, Choose Insurance, offers their unbiased opinion on the various products. They are not paid by any insurance company for their opinion so the information that you get from this site is reliable and trustworthy. They even go so far as to offer free legal services and advice to people that have had a hard time with claims that they’ve issued with their insurance companies or claims that have been denied.

Looking through the site I see that you can compare insurance offerings for Car and Van, Home and Contents, Life Insurance, Travel, Young Drivers and Over 50’s, plus there is also an insurance section for Convicted drivers. Just choose what type of insurance you are looking for and scroll through the various listings to find an insurance company that suits your needs.

Flowers and gourmet foods make perfect gifts

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I just heard about another site that’s perfect for this time of year. Well I guess it’s perfect for anytime of year, but since this is the holiday season when we’re all giving gifts to our loved ones, friends and even co-workers or employees I say this company is perfect right now.

Have you heard of www.dotflowers.com yet? Or perhaps made purchases from them in the past? They have fabulous flower gift ideas, and a large selection of gourmet gift baskets. When I heard about the company I was surprised to learn that they also offered the gourmet treats, but I suppose that’s what makes them such a well rounded company where you should be able to find a great gift for just about anyone on your list. Flowers, cookies, gift baskets, and gourmet food items are among some of the many items you could select as a gift this year.

The company offers same day flower delivery using Florist Direct flower arrangements which are designed in your local floral shop. You could also have field fresh flower delivery straight from their growers fields. I don’t think I’ve heard of a company that does that before now. Dotflowers.com’s customer service is supposed to be the best as well.

Do any of my readers give flowers, gift baskets or gourmet gift baskets out at Christmas time? If you do, who do you give these kinds of gifts too?

Jewelry and the holidays just go together

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I am so not envying all my friends in the jewelry trade right now. This is the busiest time of the year for retailers, and the trades people that work behind the scenes to make the jewelry to your exact specifications.

Truthfully- I both hated and loved the holiday season when I was a jeweller. I loved it because it meant I was busy and also because I was helping others bring some joy into the holiday season with the Christmas jewelry that I created, or the engagement rings that I designed and that my sister engraved. What did I hate? Why the thing that I loved – it was too busy! I worked 18+ hour days and it never stopped until the 2nd week of January or so. It’s a crazy business to be in.

My sister still works in the jewelry trade as an engraver. She’s working long hours right now as I sit her and type out this post. Actually, she’s so busy that she’s working weekends too. I’m holding our very small Christmas get together this coming Sunday here at the house and I’m still not sure whether my sister will be able to make it or not. She probably doesn’t even know yet considering it’s only Tuesday and still early in the week.

So tell me, how many of you bought jewelry for a loved one this Christmas? Did anyone buy an engagement ring or does anyone hope to get one by New Years Eve?

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