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Lots of people need a short term loan at least one or twice in their lives, and many of them either don't have a friend or family member to borrow from, or they'd rather not ask them for help.
Often, the only available alternative is to take out what is commonly known as a 'fast cash loan', and there are several types of them available such as, payday loans, instant online payday loans, and instant cash loans etc. but whatever name they go by, they all have one thing in common and that's that their interest rates are exceptionally high.
There are several upsides to these loans of course, and they are that almost everyone can qualify for one of them, they can be applied for on-line, and the money more often than not arrives within twenty four hours, except if you request one just before a weekend or a public holiday.
It's common thinking when needing one of these loans to simply think that the high interest is what it is, and that there's simply no way to avoid the elevated cost. This is not true however, because the amount that the borrower will have to pay back, can be reduced simply by following a few simple steps.

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Sometimes no matter how hard you work or how many hours you work, you still fall short of being able to meet your financial obligations. Whether there are just too many bills and not enough paycheck or an accident or unexpected expense has popped up, almost everyone finds themselves in a financial pinch from time to time. If you find yourself unable to make ends meet and need help until your next pay check, consider a payday advance to help you through your rough patch.
Getting an advance on your pay check can help you avoid having your utilities turned off. Utility companies will only wait for a few days past the bill due date before they disconnect your service and reconnection fees are extremely high. Avoid this hassle and expense by getting a pay advance and paying your bill before it becomes a problem.
Use a pay advance to pay credit card bills instead of missing your due date because pay day is still a few days away. Credit card companies assess large late fees and many will increase your annual percentage rate on top of your late fee compounding your financial worries.
Additionally, credit card companies will report late payments to credit bureaus and this can negatively impact your credit score and ability to secure future loans, credit and even rentals or real estate. Avoid all these added expenses, fees and long term problems by using money from a payday advance to help cover your credit card bills until you get paid.
Sometimes, it is not bills that cause you financial stress. Accidents and injuries can happen anywhere and at any time and often end up costing lots of money to rectify and treat. If you do not have an emergency savings fund or insurance, you can be out of pocket all the costs associated with accidents and injuries and find yourself unable to pay them. Count on a pay day advance to help you cover yourself and to get the treatment you need.
Car problems can also cause you to come up short financially. A flat tire, a dead battery, an alternator gone bad or a timing belt that gives out can cost hundreds of dollars to fix and has to be paid before you can get on the road again. The mechanic or tow truck driver does not care if your pay day is still a week away, they demand payment before your car is fixed.
Without your car, you may not be able to get to work and this will put you in an even worse financial position than the financial setback your repairs cost. Use a payday advance to help you cover repair costs and get you back on the road and back to work.
Almost everyone has financial problems from time to time, and they are always stressful. Take some of the stress, worry and hassle out of dealing with your bills and unexpected expenses by covering yourself until your next pay day with a cash advance. If you have a job and proof of income, you can get the money you need quickly, easily and deposited directly into your bank account with a pay advance.
Go online to apply or visit your local payday advance office to find out what you need to qualify and get the money you need to take care of your financial problems. In many cases, you can get the money you need within twenty four hours so you can get on with your life instead of spending hours worrying about how you are going to make ends meet.

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A payday loan is a small loan which is approved and paid out within a few hours. Due to the low loan amount and fast approval time, payday loans are ideal for financial emergencies. These loans are offered by countless online lenders.

Applying for a Payday Loan

Applying for cash advance loans is a simple process. All borrowers need to do is select a lender and go to their website. Almost all payday lenders will have an online application form. This application form will ask the borrower details about their income. The vast majority of loan applications will be approved instantly.
It is worth noting that some people will have their application declined. The situations that result in declined applications are listed below.

• Borrowers under the age of 18 will be declined as they cannot legally sign a contract.
• People who are currently bankrupt cannot apply for these loans due to legal issues.
• Applications from unemployed people are declined as they have no means to pay back the loan.

As payday lenders do not perform credit checks, people with bad credit can apply for these loans. Some lenders will ask applicants if they can do a credit check in exchange for a discounted rate. Borrowers who do not want lenders to check their credit history can decline this offer and opt for the higher interest rate.
Once the loan has been approved, the lender will ask borrowers to send them copies of their ID and bank statement. Lenders use these documents to check that the information on the application form is correct. If all goes well, applicants should have the money in their bank account within a few hours. Those who apply at the end of the day may have to wait until the next day to receive their funds.
Borrowers should do their best to make full repayments before or on the repayment date. Cash advance lenders are generally very strict about receiving timely repayments. Late repayments usually result in late fees and penalty interest. If a borrower cannot make their repayment on time, they should contact the lender and advise them of their circumstances.
Missing a payment without informing the lender may lead to the lender hiring a collection agent. This is undesirable as collection agencies charge borrowers high fees. The majority of borrowers will not encounter any problems with their payday loan. They will apply for a loan, get their money and pay it back within the appropriate time frame.
Payday loans are not for everybody. As these lenders only lend a small amounts of money, they cannot be used for large purchases. People who want to buy a car or house will be better off approaching a traditional lender. Traditional lenders will give borrowers a few years to pay back their loan.
The term “payday” refers to the expectation that the loan will be paid back on the borrower’s next payday. In reality, lenders usually give borrowers a month to pay off their loan.

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Do you get a phone call, email, or letter from your payday loan lender everyday requesting an immediate payment? Are you constantly looking for a way out from under the piles of payday loan debt, penalties, and interest you have incurred? There is a way! A program known as payday loan consolidation may be exactly what you need to finally eliminate that section of financial stress in your life.
Payday loan consolidation is becoming an extremely popular option to reduce, simplify and pay off payday loan debt that, in some cases, has been mounting for a long time. There are two main parts of any payday loan consolidation program: the reduction of balances and monthly payments, and the actual consolidation of several payments into one.
In order to reduce the balances and interest of your current payday loans, the company that you hire will negotiate directly with the lenders. In many cases the company you choose to work with will have some sort of idea about how much they will be able to reduce your balance or monthly payment because they have worked so frequently with the same lenders in the past.
Negotiations typically begin once you have saved enough money in a separate account that will be used only for the purpose of your payday loan consolidation program. This separate account is usually set up at the beginning of the process and you and your consolidation company will agree on a monthly amount that you will deposit into it.
Once enough funds have accrued your negotiators will have some leverage to begin their work with. Having the funds already in the account will allow the negotiators to give the lenders a timeline on when they can expect their funds.
The second part of the program is the actual consolidation, where the company you hire creates a payment plan for you that involve only one monthly payment each month. You will make the monthly payment to the payday loan consolidation company and they will be responsible for the correct disbursement of funds amongst your various lenders.
This will of course be set up after all of the negotiations take place and you are informed of how long you will be making this monthly payment. If there is any part of your monthly repayment schedule that you are uncomfortable with you should discuss that with your consolidation company immediately.
There are several benefits to choosing and completing a payday loan consolidation program. First, it reduces stress because you are turning the situation over to professionals. Next, it will reduce the number of harassing phone calls, letters, and/or emails demanding payment.
Lastly, and definitely the most important – it is a way to eliminate your payday loan debt once and for all. You will be able to rebuild your credit to what it was before you began accruing payday loan debt, and finally move on with your financial life.

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Deciding exactly how to get out of debt is a decision that can be overwhelming for anyone. There are so many options, timelines, programs, etc., that sometimes the easiest thing to do is to sit back and try to forget about it. Unfortunately we all know that procrastination does not typically lead to progress.
One option for eliminating debt that seems to be becoming more popular is payday loan consolidation. This is a process where your payday loans are consolidated into a single monthly payment after your balances have been reduced by professional debt negotiators. Here are three of the ways that payday loan consolidation can help you:

1. It relieves your debt stress

If you are dealing with harassing calls, letters, or emails every day from your payday loan lenders demanding payment then your stress level is probably already elevated.
Enrolling in a payday loan consolidation program will reduce the number of those communications and, in turn, reduce your stress level.
When your lenders realize that you are working with a company to find a way to pay back your payday loans they are less likely to constantly contact you.
Also, the action of handing over your debt to professionals who can help you is a huge stress reliever.

2. It simplifies the process of getting out of debt

Can you imagine just making a single payment every month and knowing that with that payment all of your bills are being paid on time and in the right amounts?
That’s exactly how payday loan consolidation works. You will make a single payment each month for a specified amount of time and the company you’ve hired will be responsible for disbursing those funds to the correct payday lenders.
In store and online payday loans can be consolidated together no matter how many you have.

3. It creates an endpoint

Before your payment plan starts you will be able to review it. You will be presented with options on how much you can pay each month, how much the negotiators were able to reduce your payday loan debt, and most importantly how long the plan is going to take.
The best part about this step is seeing the end date. Rather than living paycheck to paycheck and wondering when you will ever be able to pay off your payday loan debt, you will finally have a date to look towards and know that on that day you will finally be debt free.
You are the only person who knows whether or not a payday loan consolidation can help you. These are just three of the many benefits that come with a payday loan consolidation, there are always going to be more depending on your specific situation. If you are interested in learning more about payday loan consolidation please fill out our free application or call our toll free number to speak with a representative today!

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Remember the wonderful feeling you had when you made the final payment on your vehicle and received the title in the mail? Paying off your vehicle is a huge accomplishment and requires patience and diligence. So, what has your paid in full vehicle done for you lately?
Did you know that you could take out a loan using the title of your vehicle as collateral? This is sometimes called a car or auto title loan and it is becoming more and more popular in today’s society.
In order to qualify for a title loan you must prove to the lender that you have an income of some kind, and that you do, in fact, own your vehicle outright. Proving your employment is important to the lender only for the repayment process – your type or amount of income will not affect the amount of loan you can receive.
The value of your vehicle is what determines how much of a loan you will be eligible for. If you are unsure of your vehicle’s value you can look up the Kelly Blue Book value online for free.
Once you have filled out the online application and qualified for the title loan the lender will provide you with the loan documents that you must sign. These documents will not only go over the amount of your loan, but any interest rates or penalties associated with failing to pay it back. In most cases title loans are set up in such a way that they are paid back on or around your next payday.
If the loan you receive is particularly large, the repayment schedule may involve several paydays. After the loan documents have been signed the lender will most likely set up a time to send someone out to meet with you, take photos of your vehicle, and collect the title from you.
You will still be able to have ownership and drive your vehicle during the time in which you have the title loan. Meeting with the representative will give you an opportunity to ask any questions you may have about the process.
Once the title has been collected from you the lender will begin processing your loan so that you can receive the direct deposit as soon as possible. From start to finish the process can take as few as 48 hours or as long as a week. It all depends on how quickly you can sign the loan documents and set up a meeting time with the representative who will collect your title.
Auto title loans are extremely beneficial. They may sound a lot like a payday loan or cash advance, but they are different. Since a title loan is given against collateral (your vehicle), the interest rates are much lower than that of a typical payday loan or cash advance, while the amount of the loan can be much higher. Fill out our online application or call our toll free number to find out more today!

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1. Provides cash fast

From start to finish the entire title loan process can take anywhere from 24 hours to 1 week. The variation will depend on how long it takes you to fill out the application, sign the necessary loan paperwork, and meet with a representative who will take photos of your vehicle and ultimately collect the title from you.

2. Doesn’t require a credit check

That’s right, unlike other loans an auto title loan does not require the lender to check your credit. In fact, the two main items that concern your eligibility the most are 1) that you some sort of income with which to pay the loan back, and 2) that you own your vehicle. If you

3. Allows you to still use your vehicle

Although you must turn over your title in order to receive a title loan it does not mean that you have to physically give up your vehicle. The lender merely holds the title as collateral while you have the loan and will return it to you upon the completion of your repayment.

4. Lower interest rates than cash advances

The process of applying for and receiving a title loan may sound a lot like getting a cash advance or payday loan, but title loans are actually a bit better for your pocketbook.
Because a title loan is secured to your vehicle then the lender does not need to hike up the interest rates like they typically would on a cash advance or payday loan.

5. Involves a quick repayment schedule

One of the best things about taking out a title loan is knowing exactly when it will be due. Unlike bills that just show up in your mailbox with various due dates you will know exactly how much will be due on exactly which day. It is typical for title loans to be due on or around your next payday, but if you receive a particularly large title loan then the repayment may be spread among several paydays.
Title loans can be given in any amount. The amount you are eligible for will be solely based on the value of your vehicle. These five benefits of title loans are just the tip of the iceberg – you may have a totally different list of benefits for your specific situation. If one or more of these benefits resounds with your situation, don’t hesitate to fill out our online application or call our toll free number for more information today.

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Have you ever wondered how a payday loan could help you? Thousands of individuals across America find reasons every day to take out payday loan from online or in person lenders. Everyone’s need may be different, but the benefits are the same. Here are the top five benefits of payday loans:

1. Get Cash Fast

This is absolutely the top benefit to payday loans. In most cases you can apply, get approved, and get cash within 24 hours. This is especially helpful if you are in a tight situation where you need the money in order to avoid missing a payment or deadline that you could be penalized for.

2. Exact Amount

Another benefit of taking out a payday loan is that you can request the exact amount of money that you need at any given time. For instance, if you desperately need this payday for a $475 dollar medical bill, then that is exactly how much you can request on your application.
By having the ability to choose the amount you need you can also alleviate any future worry you may have about having to pay back a very large amount that you cannot afford.

3. Simple eligibility requirements

In most cases the requirements to be approved for a payday loan are simple: you must be a US citizen, 18 years or older, have steady employment and a bank account capable of receiving direct deposit. Be sure to inquire about all eligibility requirements before starting any application.

4. Start to finish process is quick

Not only can you get money from a payday loan quickly, but you can pay it back and be completely finished with the process quickly too! From start to finish most payday loan transactions only take two weeks since the majority of loans are expected to be paid back on your next pay day.
As you can see there are various ways that a payday loan can help you. Maybe only one of these benefits really speaks to your situation, but you never know what others could help. If you think that you could benefit from taking out a payday loan just fill out our online application or call our toll free number to speak with a representative today!

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Because of this we have all had to make changes in our lifestyles to ensure that we can pay our bills. Unfortunately many of us are still suffering even with those changes. Here are three helpful ways to save money in today’s economy by decreasing the amount you spend on transportation, food, and entertainment:

Transportation

Do you live in a city with public transportation, bike lanes, or carpooling programs? Use them! Not only do these incentives allow you to meet new people and experience different parts of the city but they can save you enormous amounts of money.
Check your city’s website for any news about what is happening to assist the transportation needs of citizens like you. If you live in an area where owning a car is an absolute necessity then plan your trips at the beginning of the week to conserve as much gas as possible.

Food

For many of us food is one of the expenses than can really cause trouble when trying to stick to a budget. One of the best ways to save money on food is to cook for yourself rather than going out to eat.
Taking your own lunch to work every day can save anywhere from $30-$50 per week depending on where you live and what you choose to eat.
That means that by bringing your lunch every day you could save $120-$200 per month! If this seems difficult for you then start by challenging yourself to bring your lunch 3 out of 5 days a week and reward yourself with a meal out on the other 2 days.

Entertainment

For some people saving money is easy as long as you feel like you are not missing out on anything. The good news is that there are ways to achieve that feeling. For starters, make a list of events or outings that you do not want to miss.
Obviously these can’t be once a week, but more like once a month. Having events already planned will give you something to look forward to so that when you have to decline an invitation elsewhere you won’t feel like you are missing out completely.
Saving money may seem impossible in this economy, but there are ways to do it. Only you know what it is that will motivate you to get it done, so if these tips aren’t up your alley then perhaps you can think of another. Ask friends or family members what they do to save money because, remember, we are all living under the same economy.

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Millions of Americans struggle with debt. Student loans, credit cards, and medical bills are the top three culprits of financial struggle in the United States today. Although everyone’s debt is different the stress is similar.
No matter what type or amount of debt you are in we understand that you want to get rid of it as quickly as possible. So what options do you have to eliminate your debt? Here is a quick overview of the top three ways to handle your debt:

1. Bankruptcy

Filing bankruptcy is one way you can reduce or even eliminate your debt. Bankruptcy is an act governed by law that allows United States citizens to get out of debt.
There are two main types of personal bankruptcy: Chapter 7 and Chapter 13.
The first, Chapter 7, is most beneficial to individuals or families with high amounts of unsecured debt (credit cards, medical bills) and low amounts of assets (paid in full homes or vehicles). Chapter 7 can eliminate most types of unsecured debt and give the debtor a fresh start.
On the other hand a Chapter 13 bankruptcy involves a 3-5 year repayment plan in which the court allows the debtor to pay back a percentage of their overall unsecured debt. This type of personal bankruptcy is best for individuals or families with high incomes.

2. Debt Settlement

This is an up and coming form of debt relief that many are finding to be effective. The purpose of a debt settlement program is to negotiate the debtors account balances to a lower amount in an effort to eventually “settle” the account altogether.
Before the negotiations begin there is typically a period where the debtor is asked to deposit money into a new savings account set up for the sole purpose of achieving the debt settlement. Many debt settlement companies do not require payment until the settlement is complete.
The main difference in debt settlement and bankruptcy is that the lenders are not obligated to agree to any sort of reduction in a settlement program, but a bankruptcy is court ordered.

3. Credit Counseling

This may be the lesser known of the three options listed in this blog, but it is still effective for treating some debt situations.
In a credit counseling program the debtor pays a financial advisor to evaluate their situation for them. In many cases these advisors have worked in finance for 20+ years and just enjoy helping people budget.
Don’t let your debt get you down; there are options and you just need to find the right one for you! If you know friends or family who have gone through any of these three options then ask what they thought of how it helped them get out of debt.
The great thing about all three of these options is that because they are all so popular you can find information on them online, in books, or in magazines anywhere. In fact, many bankruptcy attorneys, debt settlement firms, and credit counseling companies even offer free initial consultations.

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We are, unfortunately, a nation in debt. More than 50% of Americans carry a credit card balance with them from month to month, and 1 in every 3 Americans holds 10 or more credit cards. Where does this debt come from? Here are the top five causes of debt in America:

 

1. Reduced income/same expenses

Unfortunately for us, when we lose a job or our salary drops for some reason our expenses do not fluctuate. This is why the most common cause of debt is when income is reduced and expenses either stay the same or increase. In order to avoid this just make a conscious effort to be aware of any changes to your income or expenses so that the balance is not thrown off.





2. Divorce

We may have all heard the statistic that 1 in 2 marriages end in divorce, but we sometimes do not think about the financial impact that divorce can have. For marriages that involve joint accounts, mortgages, vehicles, and children divorce can truly be a complicated web of financial chaos. Some individuals find that signing pre-nuptial agreements can provide the safety net they need in case of divorce.




3. Poor money management

This may seem simple, but mismanagement of money is a leading cause of why the majority of Americans live paycheck to paycheck.
An easy money management mantra to live by is do not spend more than you have.





4. Underemployment

The job market in America is slowly getting better, but it isn’t happening overnight. Because of the struggles that our economy has faced, employers are not able to pay what they should be able to. Most Americans earn less than they need to pay their monthly bills, which leads to little amounts of debt every month that eventually add up.





5. Medical expenses

With or without insurance medical bills can be extremely expensive, but we need to take care of our health. No one wants to deny their self of their family medical care, but it does come at a cost. Emergency medical expenses are one of the top causes of bankruptcy in the United States today.

No matter where debt comes from it can quickly take over your life and cause you stress. There are options to get rid of your debt whether it be through bankruptcy, debt settlement or credit counseling. If you feel that your debt is becoming too overwhelming for you to handle on your own then do not hesitate: call a professional immediately before your situations gets worse.

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Good Morning Friends:

Today’s post will be my last post here at Garden Painter Art. I will keep this blog up as a reference for myself, and because many people will still look for me here for quite some time.

I have finally taken the plunge and changed my business name. Along with the change comes a new blog, a new Etsy shop and a new world…Gerushia’s New World.

I would like to extend my thanks to all of my devoted readers and friends. You have all helped pull me through some dark hours over the last year. Your emails and “mail box notes” have been so appreciated.

I hope to put the darkness of my mom’s long and ugly illness behind me. My intentions are to open up a new blog filled with color, curiosity and goodness. So, if you would like to enter my new world and hear Gerushia’s story, please accept my invitation to visit my new blog...

Gerushia's New World


Sincerely and With Appreciation
Kim
Gerushia’s New World

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Good Afternoon Everyone:

Just a little note to let you know that, soon, my new blog will be up and running. In a few days I will enter one last post here at Garden Painter Art explaining the change, then I will from that point on, be posting on my new blog with my new business name: "Gerushia's New World".

Right now, there's nothing at the new blog other than the banner, but I am in the process of building the blog. The banner art is my newest piece and the first piece I've made in almost 2 years! It feels so good to be back to work.

Have a sneak peek if you like:

http://gerushiasnewworld.blogspot.com

Thanks so much for stopping by. I'll have more in a few days.
Kim

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Good Morning All:

After a very long and lingering illness, my mom has peacefully passed away. She went to sleep last night and was gone this morning.

Although it is always a sad and melancholy time when a parent passes away, it is a blessing when death comes after so much suffering and lingering.

After seeing my mom yesterday, I knew that today would be the day, and when the phone call came at 7:30 a.m. I was ready.

She was a strong woman, raised during the Great Depression. She had a fabulous and positive outlook on life and was always kind to anyone and everyone she met. She always smiled. Even in the last few hours of her life, she found it in her heart to smile.

I will be busy today with mortuary details and out of state phone calls. In between the busy-ness, there will be times of sadness, but I know that she has gone onward to a far better place and her pain has disappeared.

Thank you for all of your concerned emails and caring thoughts and prayers.

Until Next Time:
Kim
Garden Painter Art

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Good Morning:

It's been such a very long time since I've been to my blog. I really have only a wee few minutes to check in today.

Over the last few days, my mom has fallen into her last stage of life. She is still breathing and eating her small portion, but her disease has progressed to the point of constant sleepiness and confusion. Her blood pressure is very low and her breathing is shallow.

I am the only child that has taken responsibility for her care, so I have ever so much paper work and business to take care. Today, I am on my way to the mortuary to finalize her arrangements. As a hospice patient, all of her arrangements must be in place before she actually passes away.

Obviously this is not a bright and cheerful post, but ~ it is a hopeful post. My mom has lingered for so very long, and her misery has held steady for over two years now. Her passing is now only a matter of time, and I am praying that God can find his way to take her quickly so her suffering can end.

My mom is no longer at my home, as I can't take care of her myself. She is at a local "Board and Care" just about 5 minutes from my house. Unfortunately, the Board and Care is closing as of June 27th. The current economy has made it impossible for them to stay open. If she is still with us at that time, she will have to suffer through a move to a new facility. This time, she will have to go into a "Skilled Nursing Facility". My hopes and prayers are that she will quietly pass on before she has to be moved.

So...as you can see, I've been quite busy. I miss blogging, as it's truly one of the only ways that I communicate with people. It's nice to enter my world of other artists and talk about things other than "diapers, sickness and death". It is my escape.

Thanks to all who have emailed me concerned with my absence. I truly appreciate your kindness and thoughtfulness.

Until Next Time:
Kim
Garden Painter Art

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Hello There:

I thought I would take a moment to post a "Thank You" to Suzanne of Unique Nurses for doing a fabulous feature on my Vintage Photo Shop on Etsy ~ as well as my Art Shop.

She took quite a bit of time to put these pieces together and I am so humbled to have been chosen as her feature.

I hope you can take a moment to stop by Unique Nurses and have a look.

Until Next Time:
Kim
Garden Painter Art

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Hello:

Just a quick blog entry today, as I wanted to share this photo with you that I've just listed in My Vintage Photo Shop. The photo fascinates me and spooks me all at once ~

Ooopsie...no longer for sale


I'm not exactly sure what I believe regarding ghosts, but if there's anything that can convince me that they exist, it's this photo. Have a close look to the right of the headstone, just above the M in the name SCHWAM. I'm telling you, there is an image of a tiny woman wearing a white scoop-neck dress sitting on the middle ledge of the headstone. You can't make out a face, but you can see the dress ~



The headstone was for the Schwam family. The husband, Ferdinand, was still alive at the time of the photo. However, his wife, Margaret and his 2 year old daughter, Annie, were both already buried at the time of the photo.

What do you think?

Kim
Garden Painter Art

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A simple PINK rose


Ruby RED cherries


PURPLE Sweet Peas in a lovely pink vase


Even more PURPLE Sweet Peas


Chartreuse Praying Mantis

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Hello There:

First of all, let me say "thank you" to all of my dear blog friends that have emailed me, concerned with my absence. I haven't had time to blog in the last two weeks, and I am feeling a bit out of the loop. So, I found a wee few moments today to touch bases.

Over the course of the last two weeks, my mom's health has declined considerably. Due to that fact, I am at the "Board and Care" daily. When I'm not there, it seems I am on the phone with a doctor, a nurse, an aide, the pharmacy, the owner of the Board and Care or out of state relatives. I truly feel overwhelmed and out of breath at times...

With my mom's progressing disease and both broken hips, she is failing fast. This last week, we've experienced a massive decline in her mental state. She is confused and sometimes delusional. Although, she always recognizes me and still keeps up with current events. Her sense of logic is gone. She is absolutely positive that each day is her birthday, (which is actually in September). Each day, she waits for her chocolate cake. She has "visitors" from out of town almost everyday, but none of them have physically come to see her. It must be so vivid in her mind. She can tell me word for word what they talked about and she tells me that she gives them tours of the garden. None of which has actually happened.

So....as you can see, I've been quite busy. I miss blogging on a daily basis, but considering the current status of my life, a daily blog would be unpleasant and depressing for the reader.

I will be back as soon as I can.

Until Next Time:
Kim
Garden Painter Art

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Well, after more than a few attempts at trying to get my not so intelligent Mini Schnauzer, Junior, to paw a winner, I was forced to find another way to pick the winning number. Truly, my little dog is sweet in an interesting and pitiful way, but smart he's not.

I'm a day late at announcing the winner, so I opted for the quickest, yet fair way to choose. I simply asked my daughter to pick a number between 1 and 16. She picked number 8.

I will contact the winner today.

Thanks ever so much for playing along. I'll have another give-way shortly.

Kim
Garden Painter Art

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Okay....the contest give-away is officially over.

To everyone who commented, I want to say "Thank You". I am so happy to see that there are folks out there that would like to win one of my art prints.

I will count up the comments, instruct Junior of his responsibilities as Master Of Ceremonies, and have a winner posted tomorrow afternoon.

Again, thanks ever so much for stopping by and leaving a comment.

Until Tomorrow:
Kim
Garden Painter Art

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