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Update on Hope’s Kids

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itingSeveral of you have asked about updates on specific kids. My 5 amazing kids have been part of this blog as long as I have, well, except Beauty who just joined the family 5 years ago. And with the exception of Gymnast, they are all legally adults now. Woot, woot!

I’m so grateful for my mom and dad’s advice as we entered the teenage years 13 years ago…”Just get them through it.” Really, that’s the most sage advice I’ve received. And it worked. And we all made it to the other side with just a few bumps and bruises.

I’m going to give a little back story on each kid and then let you know what they are up to now.

The Twins

The twins were placed with me 13 years ago this year as foster kids. Wow! And the adoption was finalized several years later. All I knew was they were identical twin teenage boys…and they quickly became son’s of my heart. They were both homeschooled through high school (public school through middle school.) And if you asked anyone who knew them then versus now, they reaction would show you the shock of knowing where they came from and where they are now. They are both amazing, loving, kind young men.

Sea Cadet

Visiting him at work with my mom – circa Fall, 2020

Sea Cadet has moved back to Virginia and is working at the Christian summer camp he attended as a teenager and then later became a camp counselor. He completed his EMT training right after high school and then spent a year with Americorps. (He highly recommends it!) Since then he has become Fire 1 certified and has added at least a dozen more certifications to his EMT and firefighting toolbox. He’s been working as a EMT/firefighter for several years now. And he hopes to get on with the county where we used to live. He’s made it through 2 rounds of interviews. He’s got a serious girlfriend…and she may become more soon.

History Buff

Newbie on the golf course

History Buff has also just moved back to Virginia, with his best friend who is soon to separate from the Navy. And their plan is to move to Las Vegas…go figure! He’s got a job that keeps him outside and has recently taken up golf. He’s started and stopped collegiate programs a couple of times…welding, construction management, and ??? But he’s currently a couple of semesters into a new cybersecurity program and I think this one might stick. It’s definitely in his wheelhouse. He’s an adamant gamer. And just the most generous loving brother – we all knew when he got paid because he showed up with either candy or $5 bills for the younger three kids.

Beauty

Beauty - any question why that's new nickname?
Beauty became friends with Princess their freshmen year of high school, when Princess converted from homeschooling to public school. She then came to live with us full time two years later…and is now family! This girl has more talent in one finger than most of us have at all. She is an extraordinarily good cook, creative like you wouldn’t believe, a talented artist, crochets, extremely hard working…I could go on and on. However, she did get in some trouble earlier this year. And we are in a waiting game to see how that will get resolved.

She is living at home again. Working at a fast food restaurant. And we are waiting. It’s terrible. (The waiting is terrible.) She is so diligent about being accountable and I can just see her doing something amazing with her life. But we must get through the court process first. So we wait…but ultimately, once we are past that, the goal is to get her out of this tiny town and expand her horizons. But wherever she ends up and whatever she ends up doing…she will rock it. Seriously, this girl is talented and so hard working!

Princess

Princess at her apt with my sister’s new dog (which she got from us.)

My oldest biological child, Princess has just completed her sophomore year of college. And she was selected for a commercial banking internship which will fill her summer with travel…first to New York and then to Houston. This girl works soooo hard. She’s paying not only for her schooling but also her living expenses. She’s maintaining a 3.5+ GPA. And her job loves her so much, that they are giving her the 6 weeks off she needs for her internship and holding her spot for next school year. Awesome!

The original plan was to complete a masters in economics, but I believe she is going to change her major to finance and then get some sort of certification post bachelors versus a masters degree. She definitely does not want to come back and live in this tiny town, which I wholly support. She’s got a serious boyfriend, her high school sweetheart. We love him. He’s also at away college but a year behind her. (He is older than her, but because she graduated early, she’s a year ahead at school.) But she’s got a life plan with timelines and all so I just stand back…I just keep cheerleading and supporting her dreams wherever I can!

Gymnast

Gymnast

My youngest biological child, Gymnast finished high school last fall and will turn 18 this summer. Charisma, charm, a smile that could light up a room, very smart, and very well spoken. He turns heads and draws attention every where he goes. He’s working several jobs right now and saving for a move to Texas NEXT month. He doesn’t have a clue what he wants to do, other than make money and be rich. And I have no doubt that he will achieve just that…but I have no idea what path that will take.

Gymnast has hands down been my challenge child…on so many levels. Getting him graduated just let me breathe so much easier. He knows that I will continue to help him for 6 months and then he will have to take over. I hope he will choose to take some sort of post-high school training. But I also know that’s not the path for everyone and he for sure…must blaze his own trail. I can’t wait to see what he does and am so grateful to call this child my son.

The last child update

The kids are all grown. They are setting out on their own paths. And while they still ask for my advice and sometimes even take it. I am no longer involved in their day to day finances. From here on out, I may mention them, but now, my story becomes my own. A single woman with grown children, figuring out what is next for me.

And in 6 months, all kid related expenses will be removed from my budget with the exception of Princess’ car insurance and cell phone which I will pay until 6 months post college graduation as has been my agreement with all my kids…I will help while you are in school full time.

Read more from Hope

Growing Up means Paying Bills – August, 2020

About the House – July, 2021

It’s that Time – She’s Started her Job Hunt – October, 2019

 

Totaled Your Vehicle? Here’s What to Do Next

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Totaling your vehicle can be devastating on many levels. It can mess with your money, keep you from getting the necessary transportation, and even create some legal problems. We all invest a lot of money into our vehicles, which can be difficult to recoup if you don’t take the right steps after totaling your vehicle. Here is what you should do after you total a vehicle.

1. Call Your Insurance Company and Do This

You pay good money for auto insurance just like other drivers. However, many people never file a claim. To ensure that your claim goes through without a hitch, be sure that you report the accident with attention to detail. For example, was a rough patch in the road leading up to the accident? According to the Highway Department, about 33% of all roads are unpaved.

If you were on an unpaved road before you totaled your vehicle, it may have been a factor in the accident. You must disclose any anomalies about the road or driving conditions. It can help to relieve you from ‘driver error’ claims.

2. Is Your State a No-Fault State?

How the process works with the insurance company and the authorities relies heavily on whether you live in a no-fault state. In some states, when an accident results in injuries or total losses, the accident can be determined to be no one’s fault. It was just an accident. However, in other states, there is always someone at fault.

For example, according to the California Highway Authority, California is an at-fault state, which means someone will be held at fault for the accident, will likely receive a citation, and will be held liable for the accident costs. If you live in a no-fault state, you are in a much better position than an at-fault state. If you live in the latter, it may be worth investing money in a lawyer.

3. Ask The Insurance Company About Doing This

Did you know you could ‘buy’ your vehicle back from the insurance company after it has been totaled? You can. You will lose some money on the payout, but you can still have your vehicle. Of course, you must invest some money in the vehicle to get it running again, but it may be worth the effort.

Repurchasing your vehicle from the insurance company does not require an exchange of money. The totaled vehicle’s value is deducted from the check that the insurance company will send you. In some cases, buying back your car can be a great deal, especially when the damage is strictly cosmetic.

4. Equipment Failures

Sometimes, an accident is caused by equipment failures, not due to neglect. A faulty driveshaft can cause an accident, brake failure, and more. According to HowStuffWorks, a common sign of driveshaft failure is vibration. A vibrating driveshaft can make it difficult to control a vehicle and can result in an accident.

Check the recall list for your vehicle’s manufacturer. The recall list may be able to help explain the accident. After you total your vehicle, the goal is to be able to explain the cause of the accident without it being related to the driver’s (your) fault. An unknown recall can explain an equipment malfunction that may have played a part in the accident.

5. Save Your Money

If you have totaled your vehicle beyond repair, take a deep breath and formulate a plan. Wait for the insurance company’s word about how much they are paying out before you plan to buy a new vehicle. If you have a loan on the vehicle, you may break even, but you may not. Don’t spend money until you know where you stand about paying off the loan.

Totaling a vehicle can cause money problems, but remember they are only temporary. Learn more tips for protecting your money and your vehicle today.