Posts Tagged ‘college’

I have been in Second Life since 2005, and it has completely changed how I think about making money online. Second Life opens up a world of exciting possibilities for the home based entrepreneur.

I did not have a lot of money to start a business with, just a lot of time. I tried all kinds of home business opportunity’s , read all kinds of eBooks, sat on the floor of my local library with a pile of home business books and I found very little that worked out for me.

But Second Life is different, I enjoy creating virtual clothing and buildings for other people to enjoy!

I love going to virtual concerts with live musicians playing over streaming audio. Best of all I love the fact that I earn money all day and all night long, even as I sleep! That’s why I wrote “Your Virtual World Business Guide – Success through creativity in the Second Life world”.

Second Life is even FREE to get and FREE to use!

I invite you to read more by visiting:

If you have questions or need help feel free to contact me personally at cathereinenight@gmail.com and I will try to answer you within 24 but no more than 72 hours.

I also set this book up on an affiliate program to encourage this information to spread and enlighten other talented people who might be interesting in making a living this way. The link to that program for the book is below:



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I decided to share an assignment I wrote for my Critical Thinking class. The assignment was to find articles on personal finance. I found a couple good ones for advice on raising your credit score. 

SITE 1 Summary


For my first article I choose Personal finance: raising credit score can save you money. The article begins by highlighting the current issues with trouble in the mortgage industry. They go on to explain why having a good credit score is important, as well as what the numbers mean. They then follow up their explanation with a few things that you can do to improve your credit. They finish by outlining exactly what each range of credit score means to a lender and their customer.

I chose this topic because it relates directly to my current personal situation. Due to several unpleasant life upheavals, my credit is now very poor. Researching this information is a good way to begin to turn that around. This is relevant to personal finance because credit scores are directly linked to your ability to make large purchases, obtain loans, or even to get a good job.

SITE 2 Summary

For my second article I choose Letters: raising credit scores. This article begins by explaining that they will be reading letters sent in, and letting an expert named Liz Pulliam-Weston, a personal finance columnist for MSN Money and the author of Your Credit Score: How to Fix, Improve, and Protect the Three Digit Number that Shapes Your Financial Future, answer them. Six different letters are reviewed and then answered regarding various things that affect credit score, and how to fix them. The expert and author is then thanked after giving very good advice.

I chose this article because it has several varied views on different credit difficulties. The answers given to each question were relevant and well thought out. This relates to personal finance very well considering the varied financial scenario’s of each of those who sent in a letter. Each letter refers directly to credit score’s, one of the most important personal financial numbers.


Emily Bregel (04/11/2007). Personal finance: raising credit score can save you money. Chattanooga Times/Free Press (TN) Newspaper, Retrieved (7/22/08) from EBSCOhost database.

Neal Conan (03/21/2006).  Letters: raising credit scores. Talk of the Nation (NPR), Newspaper Source, Retrieved (7/22/08) from EBSCOhost database.

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They say music is the heartbeat of life. In my case I found myself sad this morning and decided to browse youtube for some songs that really couple with how I feel right now. Two by Linkin Park popped into my head.

Sometimes I feel like people who are full of imagination and playfulness are suffocated in this world. Everyone keeps telling me that work and college and saving money, investing, and complete focus on my kids and husband are what a good wife and woman must do. Yes, to a certain degree you have to take responsibility for your life. Kids need to get outside and play and have a great time, but they need downtime where they can play on thier own too. Work is nessesary to pay the bills, and college will get a better salary, but I dont want to trudge to work from 9-5 every day, come home, cook dinner, tuck the kids in, and go to bed and repeat.

I want fun! I want to be able to play a little. I want to create great things and write stories and hang out with my friends. I want to have fun and not be scolded every time I goof off. I still get my bills paid.. I still get my kids out and have fun.. WHAT THE HELL DO YOU PEOPLE WANT? I decided I really dont care anymore. Aside from going to college, which I am, to get a job that pays well enough that I only have to work part time, and I can keep my kids out of daycares. As well as trying to make compromises, many I don’t like, but for the sake of marriage and children. The rest of it I am tired of. I do not want to be like the world says I am “supposed” to be. I tried it, I already feel numb.

Anyways.. Here are the videos I found that really hit home right now.


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Well I am tired of having no money, I am going to go to college!

Once I thought that college was a pointless waste of money. I now realise I was both right and wrong on that thought. It is certainly true that you could know the same exact things that a college graduate does without spending all that money to get a degree that states it. However, this is a very difficult thing to market to potential employers if they are basically complete strangers to you.

My family depends on me fully to be a success. Also, I would like to be an inspiration to my three children as they grow and face their own trials in life. The plan is to do whatever it takes within reason to go to college and achieve a Bachelors in Information Technology Systems Management.

To achieve my goals I researched many schools and settled on DeVry University. DeVry has regional accreditation, as well as all on-line classes, and an accelerated yet challenging academic program. The professor’s are working in the field that they are teaching in, and all of that combined was very impressive!

Financially we have nothing to work with after bills are paid. This of course is one major factor leading to college in the first place. I have been actively filling out scholarships and grants to assist in paying for school. I am certainly not afraid to write essays if there is a chance to win money for school. My husband is disabled and can help me watch the kids sometimes, but that’s about it. Nothing will stop me from going, I will find the money somehow.

In  closing, I feel that this will benefit us in more ways than financially in the future. My children must see how important school is, I will have a career that empowers me to be a better person, and my husband will feel like less of a burden is on his shoulders because of his disability. I like to be self sufficient, and I will do what it takes to be so again.

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