Cooking for Hard to Please People

I have found that cooking for most of those that I serve to be an easy task. Generally, most people are easy to please, but on some occasions, I do find it a challenge to cook for some people. Cooking can be a great joy and with more people learning how to cook from places like Cocusocial in order to create a healthy and tasty cuisine, it is a good idea to adapt our skills to match the tastebuds of those we are cooking for.


Cooking for Those Who Travel

Having a husband that is a truck driver can be a challenge to prepare meals for my spouse when on the road. He can be gone for several days at a time. For the first day, at least I like to send him off with some healthy meals. The rest of the time, my husband has to rely on truck stops for nutrition. These are not quite the same as the home-cooked meals that he enjoys.


What I normally try to do is cook a meal on Sundays when my spouse is home where the leftovers can make a meal for him the next day when working. What I have found that works well is a meal made with meat that will make a great sandwich. For example, I may make a roast of beef, meatloaf, or honey ham. This way, not only does he get a good home-cooked meal on Sunday, but he can enjoy the leftovers when away from home the next day. Added to this will also be the leftovers of a hearty salad that we start that Sunday meal with. These are all items that he doesn’t have to worry about heating up. While, at the same time, getting the nutrition that is needed at least to start the week with.


Cooking for Seniors

While my parents are still able to live their own lifestyles, they like to come over once a week for dinner. This means that I need to put some extra thought into the meal that I will serve. Like most seniors, they prefer to eat lighter meals with fewer portions. My parents also tend to avoid spicy foods.


Therefore I will focus on cooking a meal comprised of lean meat such as chicken or fish. I usually will add an extra vegetable to the meal as these are less filling but gives the additional vitamins that are required. As seniors, when cooking for themselves, they tend not to prepare large meals, which means that often the diet is lacking in a selection of healthy veggies. Another dish that I will often prepare is a hearty soup comprised of chicken or beef. This way, my parents can eat a small quality but still get all the nutrition that they should have.


Cooking For Those With Health Issues

On occasion, I will have friends or family members over for dinner that I know have some health issues. These are individuals who may be dealing with lactose intolerance, diabetes, or high blood pressure. To make sure that I am not serving a meal that could negatively affect their health, I rely on recipes that will address their needs.


For example, for those who have high blood pressure, I do not add any salt to the meals that I am preparing. Instead, I will rely on other spices to spruce up the taste of the food. I will choose herbs and spices like paprika or some of the salt substitutes. I also try to focus on foods that have a lot of their own natural flavors. For those who may be lactose-free, I try to avoid any dishes that may require dairy products. If I am making something like mashed potatoes, then I will use lactose-free milk to whip them. There doesn’t appear to be any change to the taste, so others eating them don’t notice any difference. This way, everyone is satisfied with the meal that is prepared.


The Fussy Eater

Then there are times where I am cooking for someone that is known to be a fussy eater. This is the individual who doesn’t like a big variety in what is eaten. Nor do they usually like ethnic foods or a large variety of veggies. For these guests, I try to keep the meal simple. I usually know ahead of time what these fussy eaters like and dislike and will plan a basic traditional meal to serve to them.

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How To Get a Loan With a Poor Credit Score

I think we both agree that last year was a tough year. A global pandemic wreaked havoc across the globe and led to many people losing their jobs and businesses As a result, they were unable to pay their mortgages and settle their credit card payments. This led to a bad credit score. Maybe you were a victim of the above-mentioned issues and you need to get a personal loan.

Also, it could be that you have a bad credit score due to other reasons and you are wondering how to get a loan since most financial institutions will check your score before deciding whether to offer you a loan. If you are in such a predicament, then I will detail some of the steps I took to get a personal loan while having a bad credit score.

Be Careful

If you have a bad credit score, be careful about the lenders you approach since scammers and shady companies want to pray on your desperation. One red flag I assess for is companies that are more than willing to offer me a loan even before you apply. Some of these lenders will either charge me exorbitant interest rates or use my financial information for fraud.

Also, avoid title loan and payday loan lenders. They are predatory lenders and target people like me who have limited loan and credit options. Though they will give me the loan, they will charge me astronomical interest rates. I might end up paying up to 30 times more in interest. Instead, try to find an alternative. If you are a veteran, check to see if you have the minimum credit score for va loan since this most likely will have a better interest rate than a payday loan.

Talk to Your Bank

If you have a good relationship with a financial institution, now is the time to capitalize on the relationship. They might be willing to offer you a loan even with a bad credit score. This tactic may not work with a large national bank (like in my case). However, this might also be an indicator that you need to assess your banking needs and look for financial institutions that have products that match those needs.

In my case, smaller banks and credit unions were more willing to work with me to get a loan. The only downside is that credit unions had some requirements that I had to meet. For instance, I had to be a member, and my location determined my membership. Other credit unions may need membership based on your employer or other criteria. This might look daunting, but some of the criteria are easy to meet, whereas some requirements have a workaround. But, the first step is to know what the requirements are. You can use credit union reporting tools to compare different ones until you find which is the most suitable for you.

Get a Co-signer

When I had a low credit score, I urgently needed a loan to settle a hospital bill, and my bank was unwilling to lend it to me without getting a co-signer. I talked to my brother and he agreed to be my co-signer. This option is risky since it makes the co-signer liable to paying your loan should you default on it. I advise you to discuss all the loan details with the co-signer before, read through the loan agreement terms and the co-signer’s conditions. Once the co-signer is okay with all the details, they will make an informed decision when co-signing for you.

Try Peer-to-Peer Lending

Instead of borrowing from a traditional financial institution, you can use a peer-to-peer lending service. Peer-to-peer lenders connect borrowers and investors who lend out money. The terms of the loan vary, but you receive a lending decision in a short time. Although peer-to-peer lenders might still need my credit history and I have to pass a credit check, they may be more accommodating compared to banks.

Go for Payday Alternative Loans

Steer clear of payday loans and instead explore some payday alternative loans (PAL) offered by credit unions. These are small loans of between two hundred to a thousand dollars and you have a payment period of between one to six months. I once took a payday alternative loan and I got $800 at 25% interest. The interest was high, but at least I was able to get a loan and I did not fall victim to a payday lender.

If you have a bad credit score and you need a loan, then the above tips will help you out.

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Managing Money Through A Pandemic

I like most people never thought that they would ever be subjected to a pandemic. Therefore no thought was given as to how they would manage financially. For those who are experiencing the COVID 19 crisis, money issues for many have become a reality.


Loss Of Income

I found that one of the biggest hits for many people is the loss of income because they were laid off from their jobs, mostly due to shutdowns, and for some, this was temporary. Although governments in many countries did offer some supplementary help for many families, this fell short of their needs.


Making Some Rapid Changes

It soon became a necessity for many people being financially affected to make some rapid changes.  Which also included me. Some managed this quite well where others panicked and have found themselves in dire situations.


What Can Be Done?

Although there is hope on the horizon regarding personal health and protection, this is not eliminating the worry about the financial situation. For this, no vaccination is going to protect them from financial hardships.


It means taking a look at the current financial situation and also doing some forecasting for the future. I start by looking at what the present circumstances are. For me, I consider the most important things are putting food on the table and keeping a roof over my head. Two critical aspects to surviving but also two that have become dramatically affected due to the circumstances include the following:


Food: There is no shame in turning to food banks for assistance. What will help is to learn how to stretch the food provided for us, as long as possible. It means being more creative with cooking. I have more that I have had more time to do some cooking research and can dedicate more time for food preparation. The key is to use the food in ways that will still be appealing to the family. Most of the foods offered by organizations are based on nutrition and not on convenience in preparing it.


Creatively use the leftovers. There is no room for waste during these trying times. Food that is left over should be repurposed into another recipe, so it is used to its fullest extent.


For those people who don’t rely on food banks, they should implement frugal shopping. This can be difficult as shoppers don’t have as much access to the number of stores as they do in normal circumstances. Many of us have reduced our shopping trips to protect ourselves from getting or spreading this virus. As a result, we are not traveling around to several stores to take advantage of the weekly bargains.


I look at the weekly specials that are being offered at the grocery store that I use, then plan the meals around these specials. This can really save some money.


Housing: This is a potential problem that can be a real concern. Even if the landlord is currently restricted from taking action, what happens when the restrictions are lifted? The only viable solution that may be present is to try and negotiate with the landlord now. Be honest as to what your current situation is. For example, if you expect to be recalled to work when the threat is past, let your landlord know this. Then have some type of answer as to how you will make payments to catch up on the arrears.


If there is suspicion that there is no negotiating with the landlord, try to have a contingency plan, one that can be implemented if there may be a pending eviction action to be fulfilled in the future. In my case, I spoke with some family members who would be willing to share accommodation with me for a short time. Plan on what you can do for storing your furniture. Do your research now as to what organizations may be available to assist you.


It is difficult to be pro-active regarding this housing situation when there are so many other stressors to deal with. But being prepared will help keep things under control and help you better deal with any situation that may arise. Having some plan of action is much better than having to deal with an urgent matter that requires immediate action, and no resources have been sought out. I found that by doing this I have some peace of mind.

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