"Hi Gal, hope this season finds you well,fun and in a good place.
Miss seeing you .stop by sometimes.
Pati"
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Janet Folkerts
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- Auburndale, FL
- United States
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Pati-Gardenist-Artist,Kickboxer commented on Janet Folkerts's blog post '“More Holiday Tips Making The Ordinary Unique” Lessons In Debt, Credit And Home Ownership'
Woman to Woman Magazine left a comment for Janet Folkerts"Happy birthday from all of us at Woman to Woman Magazine!"
Janet Folkerts posted a blog post“More Holiday Tips Making The Ordinary Unique” Lessons In Debt, Credit And Home Ownership
Using the holiday jingle in your pockets instead of plastic will add a twinkle in your eye ! Yes, Go CASH for the holiday shopping ! It’s a wild new experience for some, but one that still guarantees smiles to those receiving gifts and those giving, and the best part there is no buyer’s remorse come January. Here are more holiday tips and ideas to make your season more affordable, less stressful and fun !Avoid incentive cards those with rebates or frequent flyer miles unless you pay bills in…See More
Janet Folkerts posted a blog post“Tis The Season To Give – Good Thoughts!” Lessons In Debt, Credit And Home Ownership
The secret to successful gift-giving isn’t money, it’s thought ! So, before you even think about opening your wallet, spend a little time thinking about each person on your written list. Think about their likes, noted preferences, needs, little habits, things they prefer to use or collects, colors and shapes of items even what they wear. Think about their sense of humor, or things they have complained about. Things they have commented about ‘absolutely loving’, all are hints to becoming a…See More
Janet Folkerts posted a blog post"The Credit Card Story – Part III" Lessons In Debt, Credit And Home Ownership
You may not be a business owner, but as a consumer you are probably aware that all businesses face many challenges during the start up periods. Yet, it’s hard for anyone in today’s economy to think of credit cards facing any type of business challenge.The Credit Card Story continues to unfold. It was 1982 – ’83 that was pretty much the end of the usury laws and during that period with a reduction in inflation credit cards rose from strained beginnings to become profitable. Up until 1983 credit…See More
Janet Folkerts posted a blog post“The Credit Card Story – Part II” Lessons In Debt, Credit And Home Ownership
As the story unfolds in the world of credit cards, along came Mastercard ( known as Interbank) as the result of a cooperative effort between the various banks up in the Northeastern part of the nation. Remember back in the olden days, there was laws against interstate banking, so banks were limited to their home state. These new fangled little cards gave them access to potential customers across state lines. First VISA now MASTERCARD. Their beginnings took a while to evolve due to those sticky…See More
Janet Folkerts posted a blog postThe Credit Card Story - Part I: Lessons In Debt, Credit, And Home Ownership
Disney has released it’s latest version of The Christmas Story, and as a credit risk assessment planner counseling people regarding their decisions of the past, present and future, it came to me the similarities. This story will start with Credit Card Past just like in the movie !IF you were born after 1980, it may be hard for you to believe that credit cards have not always played such an important part of our lives. Credit has existed for many decades, but not the…See More
Janet Folkerts posted a blog post“Things That Turn, Besides Fall Leaves” Lessons In Debt, Credit And Home Ownership
You may have heard your mother through the years warn you with the words, “expect the unexpected”. Your mother, even though wise advice, probably was not referring specifically to debt, credit and home ownership events. The following little things we do in those particular categories will turn back on us with unexpected results.Skipping out on an overdue book at the library can hurt more than your book borrowing privileges. It actually can impact your credit score in a negative way, the same as…See More
Janet Folkerts posted a blog post“Saving A Caregiver’s Savings” Lessons In Debt, Credit And Home Ownership
“Saving A Caregiver’s Savings” is not a tongue twister, even though close ! Caregiver’s sacrifice goes beyond any dollar amount. As the credit card commercial say, “ Priceless !”…..However, in actuality it is difficult nor unusual for a caregiver not to dip into their personal savings to help meet the needs of the patient. ‘Let me count the ways’ comes to mind as follows:Insurance only pays a portion on medicines and treatment and/or required accessories, and many times it is simply easier for…See More
Janet Folkerts posted a blog post“Personal Credit –Vs- Business Credit” Lessons In Debt, Credit And Home Ownership
Women are savvy and creative in many areas including the business world. Many start with an idea that either by shear luck and/or lots of sweat and tears turns into a successful business venture. In addition to fantastic resources available to women entering business, educating them on how to structure a business plan, a business budget and resources that will open doors for them to greater opportunities, here is something usually not covered.I see women starting their business on a personal…See More
Janet Folkerts posted a blog post“Witches Brew Contains Food For Thought” - Lessons In Debt, Credit And Home Ownership
Before you throw your yukky carved pumpkin seeds at me for suggesting that you can save money, please read on for more of my witch’s brew while I dish up some tasty ‘Food For Thought”, it won’t kill you, and may even make you feel better.A survey by the Consumer Federation of America found that 71% of women worry about their finances, and 49% say they lose sleep over money concerns. Yet 42% of women have less than $500 in savings and 2/3rds of the non-savers don’t even have a savings…See More
Janet Folkerts posted a blog post‘You’re Not Alone” Lessons In Debt, Credit And Home Ownership
Spectrum Resources now with years of experience and much training in foreclosure prevention still finds one of the greatest emotional pull on a family facing foreclosure is that lost feeling, not knowing what to do, who to turn to, or where to go. Learn here of how more time, more options can be found.Spectrum Resource’s mission is to offer education and resources to those seeking financial self-sufficiency. Researching possible resources never stops to fill our client’s needs. Through our…See More
Comment Wall (5 comments)
- At 1:15pm on January 2, 2010, Woman to Woman Magazine said…
- Happy birthday from all of us at Woman to Woman Magazine!
- At 7:23pm on December 8, 2009,
Liz Craven, WtoW Editor said… - It's "Marvelous Makeover" time! Enter today for your chance to win! Details are on the WomanToWomanMagazine.com home page.
- At 8:49am on October 19, 2009,
Sharon Casey said… - Thank you Janet. I am so glad that you enjoyed it.
- At 11:01pm on September 12, 2009,
Dana Mercaldi said… - Thanks for the comment Janet- enjoy my musings and keep laughing! ;)
- At 8:46am on September 11, 2009, Liz Craven, WtoW Editor said…
- Hi Janet,
Welcome aboard and thatnks for sharing such great info with us!
Profile Information
- My Personality - Words to Describe Me:
- Creative, organized, work-a-holic. I am a entrepreneur, a speaker, and a teacher. I love studying life and people. As an entrepreneur, I continually look for opportunities to expand upon the Gifts that have been given me in a positive way.
- My Work Life - My Occupation/Business is:
- a credit risk assessment planner, a counselor in debt, credit and home ownership issues.
- My Home Life - My Relationship Status/Children:
- I have 3 children, 7 grandchildren and 4 great grandchildren, a little Westie dog, 5 chickens, and several unnamed dust bunnies.
- My Fun Life - My Interests & Hobbies:
- My interest is Ecuador's lifestyle and potential as a retirement home. My hobby is writing poetry.
- My Favorites - Celebs, Movies, Books, Websites, Music, Television, Travel & More:
- I love easy listenng to jazz and classical music. Right now if any TV, I would sit through NCIS. I excape through HGTV decorating channel. My unfinished books are all HOW TO's.
- What Defines Me - The Things I'm Passionate About:
- Constructing an easier life, mentally, physically and emotionally. Uncovering solutions to problems that empower people to make better decisions. I sincerely believe that, " Through Sharing We ALL Grow". I look for the ways to gather and to give.
- Anything & Everthing Else:
- Always artistic in visualization through painting, at the age of fifty I discovered the art form of writing poetry, at sixty I discovered writing took me to becoming a wordsmith. Now as a Senior Blonde, I am learning the technology that will enable me to share my current art form using words.
Janet Folkerts's Blog
“More Holiday Tips Making The Ordinary Unique” Lessons In Debt, Credit And Home Ownership
Posted on December 7, 2009 at 11:14pm 1 Comment 0 Likes
Avoid incentive cards those with… Continue
“Tis The Season To Give – Good Thoughts!” Lessons In Debt, Credit And Home Ownership
Posted on December 3, 2009 at 6:53pm 0 Comments 0 Likes
"The Credit Card Story – Part III" Lessons In Debt, Credit And Home Ownership
Posted on November 17, 2009 at 11:14pm 0 Comments 0 Likes
The Credit Card Story continues to unfold. It was 1982 – ’83 that was pretty much the end of the usury laws and during that period with a reduction in inflation credit cards rose from… Continue
“The Credit Card Story – Part II” Lessons In Debt, Credit And Home Ownership
Posted on November 13, 2009 at 10:30am 0 Comments 0 Likes
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