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Archive through February 12, 2004

The TVClubHouse: Archives: 2004 January - Arpil: The only Dumb question is the one not asked (Q&A) (ARCHIVES): Archive through February 12, 2004 users admin

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Daydreamer
Member

09-16-2003

Wednesday, February 04, 2004 - 11:07 am   Edit Post Move Post Delete Post View Post    
Regarding Consumer Credit Counseling - does anyone know if doing this ruins your credit? I've worked so hard to build my credit up after ruining it about 15 years ago. My problem is that I have too many credit cards and the minimum payments are killing me. I've already done a refinance on my house and paid off some of the cards but I still have quite a few left.
I need to get out of this debt somehow but I don't want to ruin my credit. Any advice would be greatly appreciated.

Juju2bigdog
Member

10-27-2000

Wednesday, February 04, 2004 - 8:46 pm   Edit Post Move Post Delete Post View Post    
Daydreamer, I can't say for sure, but I do know it won't ruin your credit just to make an appointment with them and ask questions. My gut answer would be to say it does not ruin your credit rating because their whole point is to help you get out of the problems you have created with bad credit management. You can try going to www.google.com and enter "consumer credit counseling" in the search box and see if you can find their website. I would think there would be a LOT of helpful information on there.

Mocha
Member

08-12-2001

Wednesday, February 04, 2004 - 9:20 pm   Edit Post Move Post Delete Post View Post    
No Daydreamer it doesn't have an effect(affect?) on your credit rating at all. I've used them before.

Daydreamer
Member

09-16-2003

Thursday, February 05, 2004 - 5:15 am   Edit Post Move Post Delete Post View Post    
Thanks Juju and Mocha! I'm going to give them a call to set up an appointment.

Not1worry
Member

07-30-2002

Thursday, February 05, 2004 - 8:40 am   Edit Post Move Post Delete Post View Post    
Daydreamer, I've used Genus Credit Management for 5 years now. We've gone from over $40,000 in debt to only about $2800 now. Most of this debt occurred when my FIL was dying of cancer. At the time, we just ran up the cards and worried about it later. I didn't feel like I could deny DH a plane ticket to see his dad one more time. I've been pleased with Genus, they do charge a fee of $3 per account per month. So if you have 5 cards with them you'll pay a $15 fee per month. They helped us reduce our payments to a manageable amount. We were about 2 weeks from bankruptcy. You are required to cancel the credit cards to be on the program. That's my experience, HTH.

BTW, does anyone know why I don't have the drop down menu for the topics anymore? I have to go to the topics page to change topics. I really liked that drop down menu.

Wargod
Member

07-16-2001

Thursday, February 05, 2004 - 9:08 am   Edit Post Move Post Delete Post View Post    
Not, click the little round icon up top that's next to topics.

Daydreamer
Member

09-16-2003

Thursday, February 05, 2004 - 9:23 am   Edit Post Move Post Delete Post View Post    
Thanks for the info Not! Congrats on getting your debt down, that's great! I'll definitely look into Genus too. I need to do something soon! I've never been late on a payment but my minimum monthly payments on my cards are over $500 and I'm really worried about never getting them paid off if I keep using them. It's a vicious cycle. I should not ever have credit cards again, I'm one of those people that can't control myself!

Ktbb
Member

08-10-2003

Thursday, February 05, 2004 - 10:23 am   Edit Post Move Post Delete Post View Post    
Thanks for all your helpful info.Sis was right, you guys(and gals)are GREAT!

Not1worry
Member

07-30-2002

Thursday, February 05, 2004 - 11:02 am   Edit Post Move Post Delete Post View Post    
Daydreamer, we are the same way. We know when we have credit, we go nuts. Thankfully for debit cards, we can still use Visa but not run up credit. They can probably reduce your payment quite a bit and give you an estimated pay off date. We paid some of ours off early and it's so motivating!! I would encourage you not to wait, it's not going to get any better. The best thing is that you are acknowledging it and doing something about it, way to go!

That round icon up there is cool! I love it, thanks War.

Wargod
Member

07-16-2001

Monday, February 09, 2004 - 11:36 pm   Edit Post Move Post Delete Post View Post    
I thought about starting a thread, but think that I can get as many answers here as anywhere, lol.

For the past week and a half, every single night, Dakota has gone to bed at 8 (this is almost always a normal bedtime for both kids.) Within an hour to two hours, she is up, screaming and crying and calming her down and getting her back to sleep is getting more difficult. Last Thursday night, the crying was so bad she started an asthma attack (though I'm still half convinced at least that most of that was due to her getting a cold.) A few times I'm not even sure she was really awake. And I've let her get into a bad habit of going back to sleep on the couch and I know that eventually, I'm going to have to get her to go back to sleep in her own bed.

She hasn't complained of pain, she only wakes up the one time a night, but up until tonight, she hasn't been able to really say whats wrong. Tonight as I was rocking her and trying to calm her down she told me she was scared and had a bad dream. That would make sense, but I'm not sure that kids should be having daily nightmares, and I don't know what I can do to help her. She can't/won't tell me what the dream is about. I've had a feeling that's whats been going on (she's had other occassions where she'd wake up freaking out, but this is the longest its gone on.)

Does anyone have any advice or ideas of what to do to help? Anyone go through this with your children, friends children, yourselves? What has helped? We have been keeping a soft light on the last few nights and it doesn't help. She has her blanket and favorite care bear that she sleeps with. I really feel helpless, because I can't even get her to talk about it (and no idea if its because she can't remember or doesn't want to talk about it!)

Rosie
Member

11-12-2003

Monday, February 09, 2004 - 11:48 pm   Edit Post Move Post Delete Post View Post    
War, Dakota was sick a short time ago wasn't she?

Is she taking any medicines that could be causing this current problem?

Did she see something on TV that scared her?

Did she see something in real life that scared her?

Could the asthma be causing her to wake up and cry because of breathing difficulties?

If this continues the only thing I can suggest is a visit to her doctor but you might give the doctor a telephone call tomorrow to see if you can get some information re this problem.

Not much help I know but wanted you to know that I read your story. I do not remember my children doing that.




Ducky
Member

08-27-2000

Tuesday, February 10, 2004 - 12:21 am   Edit Post Move Post Delete Post View Post    
War I remember awhile back that Resortgirls son was having the same problem. She had wrote in a thread about the same thing happening to her son.
She thought it was night terrors.

It was something that was in his cough medicine that stared with an R. I can't remember the name.
Maybe Resort will remember or someone that was in that thread at the time will remember.

LD went through the same thing that her son was going though and it sounds kind of like Dakota is doing the same thing.

LD would wake up after just being in bed for only an hour or so and be acting real strange like he was still asleep. He started taking about Pokemon and not wanting to battle them and that they were coming after him.

His heart was what really scared me the most as each time he would get up it would be pounding so hard till I could get it to slow down.

I was giving LD , Robitussin cough syrup I also found the ingredient in other cough medcines that I was giving him and threw them all away.

Since then we have not had any problems. Even this past week after giving him cough syrup for his cough.

Wargod
Member

07-16-2001

Tuesday, February 10, 2004 - 12:24 am   Edit Post Move Post Delete Post View Post    
The only meds she's been taking are her asthma ones (albueterol inhaler and cough syrup and singular) all of which she has used since she was 18 months old and there's never been a problem with them except for making her hyper.

She also only watches half an hour of tv a day, either Blue's Clues or Dora. Other than that she ignores the tv. She has never seen anything in real life to scare her, though I know with children that they see the world different than we do and maybe something completely innocent or normal has stuck with her in a weird way?

I'm kinda glad you mentioned the dr! I have been thinking that it may be time to call and talk to him but was worried I'd be thought of as being silly.

Rosie
Member

11-12-2003

Tuesday, February 10, 2004 - 12:32 am   Edit Post Move Post Delete Post View Post    
Hi again War. Well two of us thought it might be meds. It was a thought.

You don't seem to think that anything has scared her so I will take your word for that.

Only thing left would be to call the doctor. That will make you feel better I am sure.

Had one more thought, does she have to go to the bathroom when she wakes up? Maybe the urge to go is waking her up? Sounds weird I know but that idea popped into my head so will pass it on to you.

Never silly to call the doctor for your kids War. That is one of the many things that mommies do.

Nite.
Rosie

Rosie
Member

11-12-2003

Tuesday, February 10, 2004 - 12:38 am   Edit Post Move Post Delete Post View Post    
P.S. War

I remember one time I called the doctor because every time I touched my son (about 4 mos at the time) he screamed. Mainly he screamed when anything brushed against his arm. Finally the doc said to bring him in.

He had been in a few hours before for those vaccinations. The doc pushed right on his arm where he had given him the shot and he screamed.

Doctor was not happy with me for getting so scared and not figuring out that the shot area was so sore but oh well, he got paid for the visit.

Does that make you feel better? Talk about a dumb mommy. I won the award for that one.

Ducky
Member

08-27-2000

Tuesday, February 10, 2004 - 12:44 am   Edit Post Move Post Delete Post View Post    
War this is what I found at the time when LD was having trouble. Night Terror

Wargod
Member

07-16-2001

Tuesday, February 10, 2004 - 12:48 am   Edit Post Move Post Delete Post View Post    
I don't think it's the meds since she has taken them for a few years, but now I'm wondering if something has changed. A while back (a month or so ago) we stopped giving her cheese and cut back on all milk products because she was getting tummy aches. I'm not sure if that could have any effect, but she is still having a little bit of milk in the morning with cereal and maybe that is causing some sleeping problems. Can food allergies cause sleeping problems or nightmares?

The more I think on this, the more I'm concerned. I'll be calling the dr first thing in the morning and what he has to say.

Ducky, that's funny you mention him talking about pokemon. Last night dakota had finally gone back to sleep, then she got kind of restless and turned over on the couch telling Caleb he had waken her up and to leave her alone. I was the only one awake, so it was obvious she was dreaming about something. And one night last week, she was standing in her room staring at me but from the way she was acting and moving, she was sound asleep. That one was actually kind of spooky because I'd never seen either of my kids do that!

Thanks Rosie and Ducky!

Wargod
Member

07-16-2001

Tuesday, February 10, 2004 - 1:02 am   Edit Post Move Post Delete Post View Post    
"Counseling may be helpful for parents." Hehe. Rest of that was like reading through what our nights are like. The glassy stare, nothing calming her down, happening very early in her sleep, even the thrashing around (she flails her arms and hands about.) I'd swear this last for more than a couple minutes, but it's very possible it's lasting a much shorter time.

Rosie, when my son was four days old, I decided to give him his first bath. I filled his little tub up, grabbed my meat thermometor and couldn't figure out why the little needle wouldn't move. It took me awhile to figure out that it didn't register until it hit 120 or so degrees, LOL. So pass the dumb mommy award this way, lol!

Ducky
Member

08-27-2000

Tuesday, February 10, 2004 - 1:06 am   Edit Post Move Post Delete Post View Post    
"Counseling may be helpful for parents." Ya I thought that was funny also.

Kaykay
Member

01-21-2004

Tuesday, February 10, 2004 - 7:44 am   Edit Post Move Post Delete Post View Post    
Wargod, my DD was having similar problem and you know what it turned out to be? (at least I think so). We changed her nightlight to a softer light and move it to a different plug. The old one created a strange shadow on the wall and it made her have bad dreams. It was the last thing she saw as she fell to sleep.
I know that may sound strange but after a week or two of the sleepless nights, my DH noticed the shadow and it looked like a huge fish with it's mouth open.
The mind of a child is a strange thing. Ya never know. Something to check....
Good luck

Karuuna
Member

08-31-2000

Tuesday, February 10, 2004 - 11:40 am   Edit Post Move Post Delete Post View Post    
War, normally dreaming (and thus nightmares) does not start until later in the evening, usually after 4-6 hours of sleep. Night terrors often occur in the first few hours of sleep.

This is a brain developmental issue for many children, especially those with very sensitive sensory systems, and she will outgrow it.

What happens is that she really isn't awake, essentially her mind is trapped between awake and asleep, and the only solution is to let her go back to sleep. Waking is absolutely the worst thing you can do, and will prolong the disturbed sleep state.

Things to remember - don't intervene unless she is in danger of hurting herself. Don't touch her, don't talk, nothing. I know that sounds awful, but she is completely unaware of what is happening, so even tho your instincts tell you to comfort her, that's the worst thing to do. Every sensory stimulation you give her keeps that part of her brain stimulated that needs to move back into sleep. By attempting to soothe her, you are actually prolonging the episode.

It may also help to evaluate her room for things that might help provoke the partial waking. Sounds, too much light, etc. If you don't already, you should provide some white noise in the room - a fan, or one of those sleep sound machines.

My son went thru this from about age 3 to 4, with the episodes occuring less often and lasting for shorter periods as he grew. But following the suggestions above really really helped shorten the episodes, even tho I bit off my fingernails and most of my fingers every time!

Good luck!

Wargod
Member

07-16-2001

Tuesday, February 10, 2004 - 3:28 pm   Edit Post Move Post Delete Post View Post    
My peditrician said pretty much the same thing this morning. The worst thing to do is interrupt her sleep. And that pretty much there is nothing we can do except to let her get through it, and to try to keep her from hurting herself by falling out of bed or walking into something. Other than that, not much.

He isn't too fond of bringing the kids out of bed, but right now I really don't have a choice with MOW getting up at 3 am and working 10-13 hour days. He finally half accepted that I'll put her on the couch to keep her from waking him, but did caution me about letting her sleep there all night or taking her into my room to sleep. Since that's what I've been doing, I can live with it.

Thank you guys!

Halfunit
Member

09-02-2001

Wednesday, February 11, 2004 - 11:48 am   Edit Post Move Post Delete Post View Post    
HELP!

A while back, there was a link (maybe by Hippyt - not sure) that directed you to a website with the guitar playing crazy cats. I'm at work and need to find that website, but I can't!!!

Anyone remember it, or can anyone find it?


Halfunit
Member

09-02-2001

Wednesday, February 11, 2004 - 11:58 am   Edit Post Move Post Delete Post View Post    
NEVERMIND! I got it!

www.rathergood.com


Mygetaway
Member

08-23-2000

Thursday, February 12, 2004 - 6:01 pm   Edit Post Move Post Delete Post View Post    
How's Dakota doing now War, the same? So sorry for your troubles. I don't remember that ever happening with my son. It must be so hard to not be able to help. {{Hang in there..}}