How To Improve Your Credit Score!
“Read the Chet and Bernie books and do what Bernie does,” says Admin.
“Uh,” Spence says, “you didn’t get enough sleep?”
“Huh?”
“Not all ideas are good ideas.”
“Your point?”
Welcome Essie.
Tags: credit score, finances
This entry was posted on Wednesday, July 9th, 2014 at 10:06 am and is filed under Chet The Dog. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.
10:08 am on July 9th, 2014
Me
10:09 am on July 9th, 2014
Long time blogger, first time firster, thanks for taking my call, really enjoy your show.
10:12 am on July 9th, 2014
ML, ?
Barb checks her credit score every month with all 3 credit reporting companies. Does that surprise anyone? She will give Bernie free consultation if he wants.
10:14 am on July 9th, 2014
Back to the cow vs car accident. Collision with an animal is covered under comprehensive, not collision. With the car being a 1997, did your dad still have that coverage, Wolfie?
10:16 am on July 9th, 2014
TOV, which I’m reading slowly, is excellent. Thank you Spence.
Good morning all.
10:19 am on July 9th, 2014
Good morning, everyone! ML, youse are a truly sick puppy 🙂 LOL
Mom had the shingles vaccine on Monday and has been sick ever since 🙁 Hopefully today will be better. Car vs. cow? Doesn’t sound good for either.
Love TOV, Chet and Bernie at the tip top of their game. Having trouble waiting for P&O.
Have a ________ Wednesday. (Not enough energy to think)
10:27 am on July 9th, 2014
How about a Windfall Wednesday, when all good luck comes pouring down like apples from an overloaded tree.
10:34 am on July 9th, 2014
HOHs, mom had the shingles vaccine earlier this year and no problem at all.
Rio, mom has gotten behind on her 24 viewing. You have inspired her to catch up.
10:47 am on July 9th, 2014
Mom doesn’t usually react badly but this time she has had a temp., headache and red lump at injection site 🙁 Just glad it wasn’t worse.
10:51 am on July 9th, 2014
Love TOV. No spoiler – Hawaiian pants might have been mentioned. Love Chet’s voice and multiple laugh out loud incidents = a five star rating. *****
ML – you rock!
11:05 am on July 9th, 2014
Here I thought Admin was the smart one. I’m reconsidering.
Barb & Maggie: Can you check your credit ratings for free?
BStover: I’m trying to savour TOV by reading small amounts at a time. Still, I’m already halfway through the story.
Shingles!
Is that vaccine a yearly one?
11:31 am on July 9th, 2014
I think you can get a free credit score once a year from each of the 3 companies. Barb subscribes to Identity Monitor, which costs her $12.00 per month but it allows her to check her credit every month, plus it alerts her if anything unusual is happening on her credit reports. She started this service after 2 of her credit cards were hacked 3 or 4 years ago. I guess it is costly, but it gives her some security.
Not going to get shingles vaccine, or any other vaccines. Barb did get the flu vaccine a couple of years ago, but didn’t this last winter. Basically she doe not like to put any chemicals into her body. So far this is working for her.
11:51 am on July 9th, 2014
Sob!…Sob!Sob!Sob!…I can’t read TOV because someone took it with her…sniffle!…But she forgot to turn the WIFI on so she can’t read it either…heh!heh!
11:57 am on July 9th, 2014
POV, Yes! Vaccine, No.
Hounds: We Here Never have the vaccinations anymore…the Side Effects aren’t worth it…and the last time Nana came down with the flu that the vaccine was Supposed to Prevent.
It’s a Wonderful Wednesday Here, but we’ll take the Royals Windfall any day!
Poor Rio! We haven’t read it either…something about the Download. Grrr.
Barb&Magpie: We subscribed to the credit monitoring service up until 2 months ago then dropped it due to the expense…$12.99 per month from BoA.
Our Fico Score is now available through one of the credit card companies for free and we check each individual account weekly.
Nana is still working on the photos…talk about SLOW!
Still haven’t caught up on Past Posts.
Sending Powerful Prayers and Positive Energy to Staff, ML & Mom, Sharon, Wose, BooBear’s Dad & Mom, Wolfie’s Family, The Pixie & AJ & all the Dawgs at Snowhook and Everyone Under the Quilt.
11:57 am on July 9th, 2014
Good morning. We still have not been allowed to read TOV. Sniff
ML, you be cracking us up this morning. However, we read last evening’s post, and we are sending Mama Meash way down south to Texas to give you her very special hugs and gentle kisses.
Pop got shingles a few years ago, and it was terrible. Mom asked about the vaccine, but they wouldn’t give it to her. Something about her being too young! :). Hooyah!!!
12:03 pm on July 9th, 2014
The Lake
12:16 pm on July 9th, 2014
O’Howlers: Too young! I will probably never be called that again, even though I still can cry like a baby.
I tend to lean towards the no-flu-shot camp. I am curious about the shingle shot, though. How effective is it? The flu shot is not a very effective vaccine, even when they pick the correct strain of flu to vaccinate against.
12:23 pm on July 9th, 2014
Clowns!
12:33 pm on July 9th, 2014
Love TOV! Thank you, Spence
Dawson, the shingles vaccine is suppose to be a one time only shot.
12:42 pm on July 9th, 2014
Thanks SIberH.
12:45 pm on July 9th, 2014
Back from a dip in the pool. I just got a call from the workforce commission about a possible temp job. Better than a poke with a sharp stick! Got mom’s pre-op scheduled, fire guys coming to test my smoke detectors. Maybe I can get them to help me move a table from the garage sale. Oh, and I found the missing “I” key. All is well, except that the “g” has to be convinced to work.
I always get the flu shot, seems like Texas is always a hotbed of flu.
12:45 pm on July 9th, 2014
Mom just sent me a text. She is reading TOV without us us us !!!!! She said there is a mention of me me me!
12:46 pm on July 9th, 2014
After seeing Dad have the shingles on his face several years ago, Mom opted to have the vaccine. She had no reaction to it at all.
12:46 pm on July 9th, 2014
Well, we have to weigh in for vaccines. When Mama had the flu and was in the hospital this past winter, the docs told her that since she HAD the vaccine, she had a much milder case. THAT was a mild case? Oxygen masks and heart monitors and yarking blood? Sheesh – thank goodness that was just mild.
And she is getting the shingles vaccine the minute she is “old enough”.
12:53 pm on July 9th, 2014
Nana, Is that your sista on the right?
1:24 pm on July 9th, 2014
Barb&Magpie: No, but there is another one of Nana & Sharon around here somewhere. As soon as she Finds it I’ll post it. Heh, heh.
1:34 pm on July 9th, 2014
Busily sorting through duplicate and poorest quality fotoz.
a thankless task – TechNoKat
1:46 pm on July 9th, 2014
I had shingles years ago and also watched my Mom and Dad go through their shingle attacks. When I heard that you can get them again (and Mom did have them twice), I opted to get the vaccine. I had the shot twice a few years apart and I am thinking that the second time I was told that it provided lifetime protection. The first time I was told 5 years. I don’t know if the difference in effectiveness was an age thing or if the vaccine had been improved. I also get flu and pneumonia shots after having had both w/o being vaccinated (and tetanus shot once every 10 years). My sister doesn’t get any shots and has not had flu of pneumonia. Everyone has to decide for themselves.
Good morning all. Today is going to be an expensive day of buying stuff on Amazon, paying bills and pampering myself.
1:48 pm on July 9th, 2014
Nana had Shingles on her leg once…NOT a pleasant experience!
(she may or may not be “old enough” for the vaccine. snicker)
1:51 pm on July 9th, 2014
Here’s one for the Howlers:
2:13 pm on July 9th, 2014
Masquers, Did Nana try that stuff? We think Moonman would go great with ose “special” brownies. Heh!
2:20 pm on July 9th, 2014
We think since mom is a spleenless wonder, that is why the docs recommend all the shots (or they are in cahoots with Rx companies). General opinion here is that since mom has had chicken pox 3 times, she really isn’t immune (hence no shingles, hence reaction 🙁 )
We love Nana’s fotos 🙂 AND we are loving TOV but please tell us how to read slower! It is almost gone 🙁
2:32 pm on July 9th, 2014
I had shingles several years ago on my back. Very painful. The doctor gave me little red pills for it. (As I understand it, if you had chicken pox, then you have the shingles virus inside of you.)
2:35 pm on July 9th, 2014
Howlers: Heh, heh. No doubt she partake of one or two of the special brews since it was in the mid eighties over the 4th…and I did overhear her saying the northwoods beer seems to be stronger than the western variety of which she is more accustomed.
2:57 pm on July 9th, 2014
Thanks to B. Stover and all the rest of you who’ve enjoyed TOV. It means a lot (especially coming from a reader like her!) (If you go to Amazon you’ll see a strange 1-star review. Turns out not to be about the book at all, but about the fact that Amazon charged sales tax. The writing life – not so easy sometimes!) – Spence
3:08 pm on July 9th, 2014
B! A Shout Out from OFA! WoooHooo!!!
3:21 pm on July 9th, 2014
I just read in the AARP Bulletin that you can get your free credit score from
creditkarma.com
3:22 pm on July 9th, 2014
YARK!!!
I found that “review”. What a stupid way for that person to try and contact Amazon. I have news for them. It won’t work. It is totally unfair to OFA to give a one star review because Amazon charged them tax.
Everyone go to Amazon and click, “No” where it asks if this review was helpful to you.
I know more 5 star reviews will show up for TOV and that will help cancel out the stupid one star review.
3:28 pm on July 9th, 2014
Hi Scout!
I didn’t know Amazon had started charging sales tax. My fault because all I do is one-click and I don’t pay any attention to the emails that come in confirming my purchases for the Kindle.
3:52 pm on July 9th, 2014
Hi Spence!
I clicked “no” on Amazon for that one-star review.
This isn’t really a SPOILER ALERT but I really like the scene when Chet is licking the plate that had the bacon on it and Bernie looks at him: “I gave him a look back, kept licking at the same time.” (I can just picture Chet doing that.) I laughed out loud when Bernie is negotiating the fee and says eight hundred a day and she says six and Bernie says, “Doable.” Chet then says “six must be bigger than eight.”
4:03 pm on July 9th, 2014
Currently, there are 2 five star reviews for TOV on Amazon.
4:03 pm on July 9th, 2014
When 2 is your number, perhaps anything is bigger, or “doable” . Chet and Bernie get better each time around 🙂
4:24 pm on July 9th, 2014
Thanks Scout!
Staff: Check in with us, okay?
My Dad had a terrible case of shingles on his face. The vaccine here is a one time deal and costs $200. Not covered by provincial insurance.
4:31 pm on July 9th, 2014
Thank Dog my torture was covered by insurance. If 100+ degree fever and a large red lump is normal…GAH! Just glad mom is still able to bitch and moan 🙂
4:42 pm on July 9th, 2014
HOH: Heh, heh!
BearSpiritDog: Ooooh! I love the lake!
4:48 pm on July 9th, 2014
Dawson, you help put shiitake in perspective 🙂
5:01 pm on July 9th, 2014
Go fishing!
The brown bears are fishing for salmon in Alaska @explore.org
I won’t hold out any longer. I’m off to read TOV. The whole thing!
5:06 pm on July 9th, 2014
read, Read, READ…TOV is vorth, gah, worth, no Natasha here, every second of reading. Teitelbaum divorce, TOV, take your pick…it is great!
5:27 pm on July 9th, 2014
I bet most of the vaccines are covered by Medicare. The flu shot was covered, but not sure about the shingles one.
HOH, I thought you could have chicken pox just one time. How did you get it 3 times?
Cleaned out the garage and moved the little freezer, now the knees hurt. Getting old is not fun!
5:50 pm on July 9th, 2014
Barb, just think of our mom as lucky!
5:56 pm on July 9th, 2014
A police dog in Anchorage was injured a few days ago in the line of duty chasing a perp that he caught and held on as he was stabbed three times. He underwent surgery and will be fine. He is scheduled to retire in a few months when he hits 8 years old. Anyway, the police department was explaining why they like Belgian Malinois over shepherds and made this comment, “These guys could care less about fear issues. they just want to go get the bad guy. Or the ball.” That cracked me up as it seems to describe Chet’s behavior in terms of being hyper focused in the same way of either going after the bad guy– or a ball that Bernie has thrown.
I’m saving TOV as a reward for having a productive, focused day (which isn’t happening today). We will see what tomorrow will bring.
5:59 pm on July 9th, 2014
Alert, upright, professional. You go CHobbit! Tip top.
6:00 pm on July 9th, 2014
We like that Amazon charges tax, because it makes it easier when tax filing time comes. Otherwise, we find it next to impossible to calculate our online spending for our state’s sales tax. Amazon collects the taxes for your state. They do not charge taxes in states that don’t have sales taxes.
6:14 pm on July 9th, 2014
We went to Amazon and clicked the “No” on that silly person’s “review”. Right now the score is 15 no’s and zero yes’s. So there!
Mess with OFA, will ya?
Hey – guess what? No bears in our backyard for almost a week now. Hmmm…maybe the bats scared them off.
6:14 pm on July 9th, 2014
OH, point well taken and y’all are correctid, If’n a business sells in y’alls state and there is a sales tax, charge it then. Don’t make us dumb schmucks remember it 🙂
6:18 pm on July 9th, 2014
Howlers, I can see why you like that Amazon is charging us tax now.
In this state, we didn’t have to calculate online spending on our tax forms. I can’t believe it never occurred to this sate to do that.
6:19 pm on July 9th, 2014
We clicked “no” on that review also. How does that comment have anything to do with TOV? Does Amazon remove reviews like that? They should.
6:31 pm on July 9th, 2014
Whew!
Mr Fireslippers just called to say Staff is home after her surgery and that everything is fine but Staff went right to bed.
6:32 pm on July 9th, 2014
C.Hobbit: That Description fits me to a T! But, of course, I am a Belgian Malinois. No Fear…LOVE, Love, love chasing balls.
Chet & I must be twins!
6:33 pm on July 9th, 2014
Comment!…Some guy commented on the bad review..snort!…I can smell Sarcasm from miles away!…heh!heh!
6:44 pm on July 9th, 2014
C. Hobbit–No apostrophes (from yesterday).
Rio–You can download a Kindle app to your home PC (if you use one) and use that to read TOV (if no one has charged your batteries yet).
Wolfie–Your family seems to be burning off all its bad karma in one week. Please let them know that Edgar, Conan, Pretty and I ALL send pawsitive thoughts to all of you.
ML–Two in this case are not better than one, but 1 and 2 are still far better than 4, so Courage! We continue holding you in our hearts and prayers also.
6:45 pm on July 9th, 2014
Staff! The Quilt is all yours. Sleep tight and Remember your Plunderer Pals are here whenever you need us.
6:47 pm on July 9th, 2014
Hello All (and a little belatedly)–I haven’t read TOV yet, so please warn if you’re about to reveal anything (until tomorrow anyway). Thanks.
Germany! Oh dear Heaven I’m going to find myself cheering for either Argentina or the Netherlands. Aaagh!
6:47 pm on July 9th, 2014
Has everyone seen the final in the Netherlands/Argentina match?
Siber? Dawson? Riö
6:47 pm on July 9th, 2014
DianeC?
6:49 pm on July 9th, 2014
We’ve been watching the Canadian coverage of the World Cup.
Liking the commercials better.
7:02 pm on July 9th, 2014
Masquers, It will be Germany and Argentina in the World Cup Final on Sunday.
Woohoo
7:03 pm on July 9th, 2014
We are off to hold Mama’s feet down under her work table. She needs to get some serious stuff done before the next run of shows.
We have told her and told her that she spends too much time on the ‘puter, and running around doing errands, and she would find herself in a last minute panic, but does she ever listen to us? Nooooo! Not even when we tell her we are starving to pieces and need a cookie. Harumph!
7:08 pm on July 9th, 2014
“round here mom says go with the Nederlands since that is where her family came from. Hard for her to not go for Argentina since she taught espanol fot a bunch of years…but,heredity vs favoritism.
7:15 pm on July 9th, 2014
Siber: We saw it! Great game…right down to the penalty shoot-out.
7:40 pm on July 9th, 2014
Anyone interested–I’m a fan of most vaccines, but when I was told about shingles vaccine I asked if I was covered (no), then told it cost over $200, THEN that it only reduced one’s chance of getting shingles by 50% which is why I’ve been going bareback on this one. I gather from various reports that it’s truly a harrowing experience, but the costs and benefits didn’t work out for me. If the odds improve I’ll reconsider.
7:43 pm on July 9th, 2014
Siber-H, Masquers–Germany v. Argentina!!! Aaagh! (One strong economy, one with poor credit). Now I don’t know which hemisphere to support as “mine”. Northern? Western? Kind of hard to maintain my previous level of excitement…
7:44 pm on July 9th, 2014
T and G–“Starving to pieces”? Hard to picture but I do sympathize. Go sit on her feet.
7:50 pm on July 9th, 2014
Dawson, Thanks for the news about Staff. She has been in my thoughts.
8:07 pm on July 9th, 2014
Whew! Just got pulled into a CBC program, similar to Shark Tank, called Dragon’s Den. Quite intense.
Dawson: Same as Siber…thank you for the update on Staff.
DianeC: Tending to be more in the Argentina cheering section here.
8:11 pm on July 9th, 2014
Someone Here is still on CDT. That means it is half-past Suppertime Somewhere.
Later ‘Gators – Bear
8:16 pm on July 9th, 2014
I used creditKarma and was satisfied with it, plus I have a good score. Of course, most of our credit was under Rick’s name.
I am also starving to pieces. Could someone please e-mail me a pizza?
8:25 pm on July 9th, 2014
Our Abby is having a very bad time this evening. She is our old rescue horse. Please say a prayer for her, or send good vibes.
8:30 pm on July 9th, 2014
C. Hobbit–I must have missed the comment about the Malinois. Very appealing, and you’re right–it does sound like Chet.
8:39 pm on July 9th, 2014
ML. e mail pizza coming your way.
Howlers,,,y’all are in our pawrayers tonight, especially
abby. Our rescues are our special kiddos.
8:48 pm on July 9th, 2014
Good news about Staff.
Barb said she has been to the cute little town of New Glarus. Didn’t tour the brewery but had lunch and did some shopping there a couple of years ago.
Hope Abby has a peaceful night.
Barb is tuckered out. Washed windows, cut the grass in the back, showered and fed. Unfortunately, ML, no pizza here.
On the Rizolli and Isles show last night they featured a bug out place. We had no idea the preppers were so prevalent.
8:53 pm on July 9th, 2014
This is not a SPOILER, but don’t read if you don’t want to know our favorite line so far: “there’s no one more entertaining than Bernie”. Heh!
9:04 pm on July 9th, 2014
Peace to Abby and her people.
9:08 pm on July 9th, 2014
Gah!…Her Kindle is in her bag she takes to the busy-place and back…grump!…Seems someone else had two great big teeth pulled this morning and needed my friend to run around after she finally got home to get anti-biotics and pudding…gurgle!…Here I am still waiting for some tender luvin’ TOV…sob!sob!sob!
9:21 pm on July 9th, 2014
GOT-IT!…WOOOOOO!…Finally!…But now she is talking about walking…grump!…I can not win…sob!sob!sob!
9:23 pm on July 9th, 2014
Staffie!…Okay, now that I got what I wanted, I can think about you!…snorkel!…So happy you are home. I bet you are miserable, but you are home…snuffle!…Just don’t let Mr.FireSlippers cook anything in the kitchen…gasp!
9:49 pm on July 9th, 2014
I’M back! Yay. I feel a little better after my two naps. Right after I post I will go to bed. My warm soft bed with all the kats in the right places for my optimum comfort.
Rio, Too late. Mr.Fireslippers made me a hamburger, no bun, just some salt a pepper. He also found some cherries in the fridge and rinsed them off for me. So I had ground beef and cherries for supper. And a little Sprite. That was all I needed.
I did have lots of fun at the hospital place. I went for a walk around with a young man named Kevin who came from New York to North Dakota many years ago. He said it was culture shock. Most of his family still lives in Brooklyn/New Jersey/Connecticut. I will feel even better tomorrow fer-sure. Meanwhile I might just snuggle up with the double cuddle throw before I have to mail it off.
Mighty Moodle everyone.
10:18 pm on July 9th, 2014
Glad you are home and feeling ok. Sleep is usually the best cure.
10:19 pm on July 9th, 2014
That was for Staff!
10:33 pm on July 9th, 2014
Nice to hear from you Staff. We think heading for bed is a marvelous idea.
Hasta la pasta.
11:04 pm on July 9th, 2014
Back to send Healing Energy to Staffie & Abby and tucking them in for the night.
Now Bear is off to get a Late Night Snack and then headed for the comfy bed.
11:08 pm on July 9th, 2014
Staffie!…snorkel!…I’m so glad you posted tonight. I was beginning to worry what that FireSlippers guy had done…heh!heh!…Sounds like you are still safe and sound and cuddled up in something…wheeze!
TOV!…Have been able to read a few Kindle pages, which are very small by the way, and it is Most Excellant!…chuffle!((sigh!))
11:42 pm on July 9th, 2014
Spencer!…A Tail of Vengeance so far is perfect….snort!…All the words are in exactly the right place…heh!heh!…And the Cover Art is beyond words…chuffle!buffle!
11:42 pm on July 9th, 2014
How do I download to th iPaw?
11:43 pm on July 9th, 2014
Barb, yes mom does have comprehensive insurance, so it is covered. She was thinking about removing it, so she’s glad she didn’t.
11:57 pm on July 9th, 2014
Daddy Dawg just woke mom up to go to bed ??? go figure. Glad Staff is home and healing. Rio is right: all the TOV words are in just the right places. Hope mom makes more sense tomorrow but who knows, she never makes much! Nighty night.
11:58 pm on July 9th, 2014
What do you know, there is an Abby shaped shape under the Quilt. I am glad we have hay on paw.
Got to go. I’m on pillow duty under the Quilt.
Head bumps to all youse.
12:43 am on July 10th, 2014
ML: I went to i books on my ipaw and downloaded TOV from there.
9:08 am on July 10th, 2014
Carpola! I always fall asleepy sleep before Staff or Abbie or Alice post. Anyway, I am very happy that Staff is back home and feeling o.k.
11:41 pm on August 3rd, 2014
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