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    Archive for the ‘Money’ Category


    Why A Nice Jewish Girl From Brooklyn Joined a Gospel Choir

    Monday, May 14th, 2012

    Annice

    Meet my friend Marjorie. I met her in Washington, D.C. back in 1982 or 1983 at our local gym on M St.  We were sitting in the steam room, and she remarked how she hadn’t see me with my friend lately and wondered what happened.   I told her she moved to Boston to go to back to school, and how much I missed her.  She immediately reached out, and we became best friends after that.  Neither Marjorie nor I are in D.C. anymore, and I wish we were closer.  She has always inspired me to look for joy wherever it is.  Here she is singing in a gospel choir, and here is her story.

    Marjorie

    I have always wanted to sing in a gospel choir.  The energy and music is so uplifting.  You can be in the biggest funk…tired, depressed, or overwhelmed with your day and your life, but when you start singing it’s as though you’ve been totally transported to another place and time.

    When I lived in San Francisco I sang in two choruses.  I never had a great voice, but good enough to be part of the choral group.  One of my “gigs” was in the San Francisco Gay Men and Women’s Chorus.  My next door neighbor at the time knocked on my door one evening and asked me if I liked to sing.  Well, “yes” I said, but I’m not good.  He said not to worry that it was just a fun group and they sang show tunes.  It turned out to be a little more professional than I was, but I still enjoyed it, and realized what a high I got from singing.  Then my “voice” went downhill (literally).  I was really distressed over it, but the ENT guy I went to said it “wasn’t cancer,” but I would have to give up my operatic career.  I fell over laughing.

    So years went by without a song in my heart and last December, right before Christmas, my friend Nancy and I went to a local cafe here in Petaluma, (CA) for breakfast and the Wings of Glory was singing.  I checked it out and low and behold they are here practically right in my backyard!  The best things about this group are 1) you don’t have to audition 2) you don’t have to have a great voice and 3) there is no commitment to show up for rehearsals every week or attend the performances.

    Wings of Glory

    I haven’t missed a rehearsal yet!  The members are some of the most welcoming people I’ve ever met.  Last weekend we sang with the Oakland Interfaith Choir.  You want to hear great voices….that’s the ticket.  Any one of them could go on American Idol and win!  There was also a Jewish A Capella group there called Vocolat and they were singing Hebrew and Yiddish songs…I  felt more at home.

    We are the token white gospel choir, but we have the spirit and the “moves.”  We are invited to perform at a number of different venues.  Churches, of course, but also wineries and other events around the area.

    So, how is it, you ask, to be singing about Jesus for a nice Jewish girl from Brooklyn?  Well after all, Jesus was a nice Jewish boy from Bethlehem.  And at least they both start with a “B”, right!?  And, if you’re ever in my neck of the woods please come and hear us sing.  You will be looking for a gospel choir in your area instead of a therapist!

    “You Only Live Once, But If You Do it Right, Once Is Enough.” Mae West

    Saturday, April 7th, 2012

    Annice

    I need a new job.  Sitting at a desk and being indoors on most days is hazardous to your health, and my body knows it.  I have days where I sit in front of clients listening to them talk about their business and then after they leave, I have to type up my notes and enter them in a database.  Sitting too long gives me a royal pain in the butt, so much that I dream of being a mail carrier or a conductor.  I just finished a quarterly report yesterday, so I’ve been sitting at my desk far too long, so now I have a mild case of sciatica.  The pain begins in the lower back and runs through the buttock.   Lucky for me, it’s not traveling down the lower leg because if you’ve ever had a full blown case of sciatica, you know it’s is a killer.

    Of course, if I entered the data a little bit every month in a more timely fashion, I wouldn’t have to be computer chair bound, but when clients call, I give in to their needs and put my admin work on hold even though I’ve designated that time for ME.

    Too much sitting and not enough movement  is unhealthy.  It’s an occupational hazard for sure, so why can’t I collect worker’s comp and get a massage?  I want a job where I move.  Have you ever seen a slouching, fat mail carrier or conductor?  Did you know they live a long healthy life thanks to all that aerobic activity?

    Let me be clear, I’m not just looking for longevity, but healthy longevity.  Many of the world’s famous conductors lived well into their 80′s and 90′s during a time when the average life expectancy was 50 years old.  Evidently, flapping your arms around for hours provides a great cardiovascular workout with a steady stream of blood flowing to the brain – all that, while listening to beautiful music, creating an inner peace.  That’s what I want – a life-enhancing job.  

    There is another way.  If I were brilliant, I could expect a long life, say the longevity experts.  Winners of the Nobel Prize live longer than most people.  It seems like the act of winning a Nobel Prize increases longevity and life expectancy by 1.5 years.  They also say Minnesotans live longer than most as well as those who are married.  And who knew that the more money you make, the longer you live?  So, I guess a wealthy married orchestra conductor living in Minnesota who has won a Nobel Prize can expect an uber long AND healthy life.

    Mae West

    Mae West got it right, and she was 87 when she died.

    “You only live once, but if you do it right, once is enough.”

    Thank you, Mae.

    Changing Cultures & Taking on Elder Care

    Monday, March 12th, 2012

    Totsie Marine

    Our Friend, Totsie, disappeared from Asheville, but we found her in Panama.  Here is her story.

    Part 1: Making the Decision

    “Wanda fell and broke her (other) arm. She is doing better but can’t remember why she has a cast on her arm.” This email came after we made the decision to move to Boquete, Panama and help take care of my 83 year-old mother-in-law, Wanda. It sealed the deal for us. We said we would come to Panama for a year.

    How it came to be:  

    My husband, Winn, and I had toyed with the idea of moving to Boquete after visiting there in January 2011. Winn’s brother, Kevin, and his wife, Tammy, had been taking care of Wanda for three years and had moved their whole family, including three school aged children, to Boquete about a year before our visit. Their decision to relocate there was based on Tammy’s parents, who had retired there, and their own research on cost of living, quality of medical care and the desire to scale down their expensive lifestyle in the states.

    Family in Boquete

    Winn and I have a web development business. I started the business in 1996 and he joined me in 2006. We re-branded the company in 2011 from Totsie.com to Webonobo and positioned it to be “Local Global Mobile Web Solutions”. We also had our site translated into Spanish to attract clients who needed multilingual sites. We had always been told “Oh, you could do your business from anywhere in the world.”, so now seemed to be the right time to see if that was true.

    Our original thought was that we could move to Boquete, live near Kevin and Tammy and help take care of Wanda while continuing our business. We knew we would have a cable internet connection and with modern conveniences like Skype, we could still have personal connections to our clients.

    The deciding factors:

    One factor in our decision to move was that our business had slowed, like most businesses in the states, and while we still had a stable roster of 60+ clients which we host and support, the requests for new sites had slowed to a trickle. Even though we had re-branded and felt positive about the new direction, we were still in the early stages of marketing our new global potential.

    Another important factor came when I had a reading with an intuitive in Asheville who helped me admit the fact that I was personally burned out. Being entirely self-taught, self-motivated, self-marketed, I had been working long days for 16 years and even though I thought I had a few good business years left in me, the truth came out in the reading and I had to admit that I was just plain tired, that I had become one-dimensional in giving all my energy to the business and what I really wanted was a big change in lifestyle.  

    When I told Winn about my true feelings he immediately said “Absolutely, no problem, I can take over the business. I want you to rest and find yourself.” His next thought was that HE wanted to meet with the intuitive. In truth, he had been wanting to change the hectic lifestyle we had created but hadn’t figured out how to make that happen. So now he was motivated to not only take over the helm but also to do it in his style and at his pace.

    And yet a third factor is the fact that I turn 62 on March 6, 2012. Yes, I’m a baby boomer. It seemed unreal to me that people really used to retire at 62 but here I was actually considering it! Of course I would have to give up the CEO position in the company and work less hours to qualify for Social Security but that quickly became a no-brainer. Winn, being 5 years younger than me, still felt excited about our rebranding efforts and could see himself running the business with me as co-pilot.

    Running the numbers:

    Winn loves spreadsheets so he spread us out in all the ways he could think of to evaluate the wisdom of our move. No matter how you sliced it, it looked like a really good idea!

    Based on Kevin and Tammy’s experiences and cost of living, he decided that (as the new CEO) we could offer our services at a lower rate to our clients since our cost of living would be lower in Panama and that would create a win-win for our clients, who had smaller marketing budgets because of the downturn in the economy, and us who had lower living expenses. We could continue running the business, just on a smaller more sustainable pace. We would be living internationally which could eventually meet one of our rebranding goals which was to produce multilingual sites for international clients. We both got excited about the positive possibilities of this move and after we found a great renter for our house-someone I already had an acquaintance with who is in our industry-we felt like the light was green to go.

    Part II – Next Monday!  In the meantime, Happy Birthday Totsie. 

     

    Oops50: Do You Know About the Discounts for Baby Boomers?

    Tuesday, February 28th, 2012

    Annice

    A friend of mine at Sheville.org was waiting in line behind an older gentleman at Wendy’s recently, and heard him ask for a senior discount. The young woman at the register apologized and charged him less for his meal. When my friend asked the man what the discount was, he told her seniors over 55 gets 10% off everything on the menu, every day. This incident prompted her to do some research, (thanks Va) and she discovered a list of restaurants, supermarkets, department stores, travel deals, and other types of offers giving various discounts with different age requirements. Below, you’ll find a long  list of discounts for us baby boomers, and it’s surprising just how many of them start at the young age of 50.

    Just think, when you get that craving for pancakes IHOP is ready with your discount, or on the day you’re having a real ice cream emergency, Ben and Jerry’s will add a 10% discount to that rich creamy cone, and  all you have to do is ask. 

    Hmmmm, it seems to me if Dunkin Donuts is willing to give free coffee to us boomers and you’re paying for a cup every day, you might want to start getting it for free. Oh, and my very favorite is the savings you get with our National Parks – I’m just saying…

    Here’s the list ladies. It’s long. Enjoy!

    Restaurants
    Applebees: 15% off with Golden Apple Card (60+)
    Arbys: 10% off (55+)
    Ben & Jerrys: 10% off (60+)
    Boston Market: 10% off (65+)
    Burger King: 10% off (60+)
    Captain Ds Seafood: discount varies on location (62+)
    Chick-Fil-A: 10% off or free small drink or coffee (55+)
    Chilis: 10% off (55+)
    Culvers: 10% off (60+)
    Dennys: 10% off, 20% off for AARP members (55+)
    Dunkin Donuts: 10% off or free coffee (55+)  
    Einsteins Bagels: 10% off bakers dozen of bagels (60+)
    Golden Corral: 10% off (60+)
    Hardees: $0.33 beverages everyday (65+)
    IHOP: 10% off (55+)
    Jack in the Box: up to 20% off (55+)
    KFC: free small drink with any meal (55+)
    Krispy Kreme: 10% off (50+)
    Long John Silvers: various discounts at participating locations (55+)
    McDonalds: discounts on coffee everyday (55+)
    Shoneys: 10% off
    Sonic: 10% off or free beverage (60+)
    Steak n Shake: 10% off every Monday & Tuesday (50+)
    Subway: 10% off (60+)
    Taco Bell: 5% off; free beverages for seniors (65+)
    TCBY: 10% off (55+)
    Waffle House: 10% off every Monday (60+)
    Wendys: 10% off (55+)
    White Castle: 10% off (62+)

    Retail And Apparel
    Banana Republic: 10% off (50+)
    Bealls: 20% off first Tuesday of each month (50+)
    Belks: 15% off first Tuesday of every month (55+)
    Big Lots: 10% off
    Bon-Ton Department Stores: 15% off on senior discount days (55+)
    C.J. Banks: 10% off every Wednesday (60+)
    Clarks: 10% off (62+)
    Dress Barn: 10% off (55+)
    Goodwill: 10% off one day a week (date varies by location)
    Hallmark: 10% off one day a week (date varies by location)
    Kmart: 20% off (50+)
    Kohls: 15% off (60+)
    Modells Sporting Goods: 10% off
    Rite Aid: 10% off on Tuesdays & 10% off prescriptions
    Ross Stores: 10% off every Tuesday (55+)
    The Salvation Army Thrift Stores: up to 50% off (55+)
    Stein Mart: 20% off red dot / clearance items first Monday of every month
    (55+)

    Grocery

    Albertsons: 10% off first Wednesday of each month (55+)
    American Discount Stores: 10% off every Monday (50+)
    Compare Foods Supermarket: 10% off every Wednesday (60+)
    DeCicco Family Markets: 5% off every Wednesday (60+)
    Food Lion: 6% off every Monday (60+)
    Frys Supermarket: free Frys VIP Club Membership & 10% off every
    Monday (55+)
    Great Valu Food Store: 5% off every Tuesday (60+)
    Gristedes Supermarket: 10% off every Tuesday (60+)
    Harris Teeter: 5% off every Tuesday (60+)
    Hy-Vee: 5% off one day a week (date varies by location)
    Kroger: 10% off (date varies by location)
    Morton Williams Supermarket: 5% off every Tuesday (60+)
    The Plant Shed: 10% off every Tuesday (50+)
    Publix: 5% off every Wednesday (55+)
    Rogers Marketplace: 5% off every Thursday (60+)
    Uncle Guiseppes Marketplace: 5% off (62+)

    Travel

    Alaska Airlines: 10% off (65+)
    Alamo: up to 25% off for AARP members
    American Airlines: various discounts for 65 and up (call before booking
    for discount)
    Amtrak: 15% off (62+)
    Avis: up to 25% off for AARP members
    Best Western: 10% off (55+)
    Budget Rental Cars: 10% off; up to 20% off for AARP members (50+)
    Cambria Suites: 20%-30% off (60+)
    Clarion: 20%-30% off (60+)
    Comfort Inn: 20%-30% off (60+)
    Comfort Suites: 20%-30% off (60+)
    Continental Airlines: no initiation fee for Continental Presidents Club
    & special fares for select destinations
    Dollar Rent-A-Car: 10% off (50+)
    Econo Lodge: 20%-30% off (60+)
    Enterprise Rent-A-Car: 5% off for AARP members
    Greyhound: 5% off (62+)
    Hampton Inns & Suites: 10% off when booked 72 hours in advance
    Hertz: up to 25% off for AARP members
    Holiday Inn: 10%-30% off depending on location (62+)
    Hyatt Hotels: 25%-50% off (62+)
    InterContinental Hotels Group: various discounts at all hotels (65+)
    Mainstay Suites: 10% off with Mature Travelers Discount (50+); 20%-30%
    off (60+)
    Marriott Hotels: 15% off (62+)
    Motel 6: 10% off (60+)
    Myrtle Beach Resort: 10% off (55+)
    National Rent-A-Car: up to 30% off for AARP members
    Quality Inn: 20%-30% off (60+)
    Rodeway Inn: 20%-30% off (60+)
    Sleep Inn: 20%-30% off (60+)
    Southwest Airlines: various discounts for ages 65 and up (call before
    booking for discount)
    Trailways Transportation System: various discounts for ages 50 and up
    United Airlines: various discounts for ages 65 and up (call before
    booking for discount)
    U.S. Airways: various discounts for ages 65 and up (call before booking
    for discount)

    Activities And Entertainment

    AMC Theaters: up to 30% off (55+)
    Bally Total Fitness: up to $100 off memberships (62+)
    Busch Gardens Tampa: $3 off one-day tickets (50+)
    Carmike Cinemas: 35% off (65+)
    Cinemark / Century Theaters: up to 35% off
    U.S. National Parks: $10 lifetime pass; 50% off additional services
    including camping (62+)
    Regal Cinemas: 30% off
    Ripleys Believe it or Not: @ off one-day ticket (55+)
    SeaWorld Orlando: $3 off one-day tickets (50+)

    Cell Phone Discounts

    AT&T: Special Senior Nation 200 Plan $29.99 / month (65+)
    Jitterbug: $10 / month cell phone service (50+)
    Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99 / month (65+).

    Miscellaneous
    Great Clips: $3 off hair cuts (60+)
    Super Cuts: $2 off haircuts (60+)

    Nice People Behaving Badly?

    Sunday, December 18th, 2011

    Annice

    One of the newspapers delivered daily to my home is the WSJ.  Oddly enough, I don’t read it for the Money and Investing section but the front page news.  I also enjoy the marketing and technology trends, recipes, and the wonderful week-end section.  And, I usually let the papers pile up and read a few at a time, making the news outdated.  I don’t care, it’s always interesting in the present moment when I’m reading it.  One article, last week, that raised an eyebrow had to do with baby boomers.

    Securities regulators and prosecutors are battling what they say is a nationwide surge

    in investment fraud against baby boomers.  In many cases, the victims pursued risky bets to

    overcome losses suffered during the

    financial crisis—a trend that regulators say is worsening. 

    Wall Street Journal, December 14, 2011

    I'm not home!

    Now that’s scary.  I always thought it was  “old people” who got suckered into scams.

    Is my generation that gullible?

    Well, it seems some of us cared about our future and that makes us vulnerable.  It also forces some otherwise good people to behave badly.

    sample

    .

    I got somewhat scammed myself recently.  I hired someone I knew for a small remodeling job in my kitchen (cabinets and a concrete countertop).  I paid her a deposit after I paid her in full for the finished cabinets.  I’d like to mention she asked to be paid in full when the job wasn’t even complete, and I did.  Then, she made samples for the countertop and after 8 – I could not approve one of them.  Nothing popped out at me, and I got tired of not having a countertop for weeks on end and honestly didn’t think after 8 tries, she could produce a good one.  So,  I decided to go with granite – something she did not do.

    I apologized for not liking the samples and asked for my deposit back.  Well, this friendly remodeler basically told me to f—off.  She claimed the samples cost money and she bought the materials (concrete) already and I had to pay for that.  I went back to the contract which did not say I had to pay for samples or material in advance, or that the deposit was non-refundable.  To end the dilemma, I offered to split the deposit with her – for her troubles – and she basically said to to f–off.

    Judge Judy

    I’m guessing if the remodeling business was booming, this contractor would give my deposit back, but in this economy she’s behaving badly.  I informed her I was going to file a complaint in small claims court because I can’t afford to lose that deposit, but she doesn’t seem to care.  Now I will let a judge decide our fate.

    What would Judge Judy say?  Is this a case of nice people behaving badly?

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