As we finally start to experience Spring in Northeast Ohio, I can’t help but keep my focus on the drought situation in California. From talking to family and friends on the west coast it is amazing to see what they are experiencing and how they are reacting to limited water usage and just having to deal with no rain in the forecast.
Here’s one for the Village Piece Makers, you know, the dedicated quilt-makers who every two years come up with a lovely handmade spread to be raffled off at the Christmas Walk. I don’t know how they come up with the patterns—maybe they make them up themselves—but recently the AB-J ran a cartoon (It’s a regular series called Non Sequitur, usually pretty apt for what they put out there) that might get a rise from out local needlewomen, even Ellie Foster Monroe who does “Quilts for Causes”, contributing to efforts that she supports.
Financially speaking, saving is winning. Sometimes that lesson is lost, however. To some people, saving feels like losing – “losing” money that could be spent. So assert Ellen Rogin and Lisa Kueng, authors of a recently published book entitled Picture Your Prosperity: Smart Money Moves to Turn Your Vision into Reality. They cite a perceptual difference. If people are asked if they can save 20% of their income, the answer may be a resounding “no” – but if they are asked if they can live on 80% of their income, that may seem reasonable.
With spring finally here for most of the nation, prospective homebuyers can look at houses and condos without traipsing through snow and ice. Better weather, plus the traditional belief that families search for homes so they can move in between school years, makes spring a major homebuying season in much of the country.
Being stuck inside(Where it’s marginally warmer) for extended periods can send a person(at least this one)over the edge, or at least out on the slippery part. While out there, one can run across some quirkily weird items in the news, To wit...
We are some six weeks into this topic of 65 and Single Again. I have gotten a great deal of feedback about the articles via e-mail, over the phone, and more often than not, in person. A great many people seem to identify with this predicament of life. The column mirrors their struggle and they are searching for solutions. As well, it has generated a good bit of thought on my part, re-thinking certain things, postulating new, and contemplating where to go next.
So somebody on a slow news day—Newsweek was mentioned but the internet picked the mention up and ran with it—called it the “stupid virus” and implied that any lagging intellectual powers among us might be the fault of an insidious invasion by these viral marauders...
A failure of Social Studies Education, I calls it.
The recent election, that is…failure of turn-out, failure to understand the way government works(whether it’s supposed to work that way or not), failure to be informed on the issues and the candidates, failure to pay attention to the down-ticket contests…a whole bunch of things that we should all be thinking about but don’t. AND a prevailing, parsimonious attitude that makes a virtue of trying to do everything on the cheap. There’s a powerful big difference between wishing to do things in the most cost-conscious and efficient manner possible to do the best we can for the most citizens and trying to see how much we can get away with before the dreadful consequences which we have been outrunning finally catch up. The difference is the difference between “What’s the best we can afford?” and “What’s the cheapest we can get?” Strangely enough, there are cases in which quality actually does count.
How many times has it happened that I am notified that an attractive lady with a moniker such as NANNAN69 has just favorited me and would like to talk with me. The posted time is 7:15 PM. At 7:16 PM I respond and immediately a screen flashes that, “NANNAN69 is no longer available but here are 8 more people just like NANNAN69. Give them a response!” Now, tell me how, in 60 seconds, NANNAN got swept off her feet, married off and managed to get the Dot Com to take her out of contention when the rest of us can’t seem to even get the Dot Com to respond to us.
I got to know pretty much most of their customers by their pictures and crazily made up names like AnAn, Sexygurl, and Poosie Suzie which invariably were sent to me over and over and over again. I have trouble remembering names, except for one unfortunate, ill-chosen name –Msphyllis—(yes, I read and re-read that one several times to make sure that it wasn’t what I initially thought it was) but if I see a face once I remember it forever.
I’ve been serving as a poll worker for about seven years now and it always makes me proud to see a former student come in to cast a ballot; wish that I’d see even more of them. It used to be a regular thing in the seventh grade to take my classes down to the Precinct A polls on High Street to observe the voting; the poll workers were always helpful and welcoming and happy to explain the procedures to the kids. Pity we can’t do stuff like that anymore.
Once upon a time, specific clerks dealt with specific operations and the issuer of license plates might be snowed under with people waiting and waiting, while the driver’s license clerk was able to sit at her leisure to examine the new nail color that she had chosen and tempers tended to shorten as the wait time lengthened. Well, that’s done with…and none too soon.
“The reunion”, he says. “Oh yeah, you’ve gotta go”, says my friend Don, 80 years old and hasn’t missed a reunion yet. Class Reunion……These are words that strike terror into the heart of…… me. The word brings trepidation, apprehension, a dredging up of time spent in….limbo. It seems to hit me in the face with horrible thoughts about what is now and what is no more. This reunion to me is a thing out of time and very out of place. “But you’ve gotta go—it’s your 50 year Class Reunion”, they say. “You will never have another.”
There are a few things, though, that you can learn about a white wine by looking at the color. First, when you are looking at the wine, make sure you have a white piece of paper or a white tablecloth as the background. Then tilt the glass at a 45 degree angle in front of the background. If a wine is golden or amber it may mean one of a number of things...
The clock is ticking. Between now and April 30, 2016, 100% of 401(k) plans, profit sharing plans, and other tax-qualified plans that use an IRS-approved prototype plan document must be amended and restated.1
If this doesn’t occur by the above deadline, these retirement plans risk losing their tax-qualified status and the corresponding tax advantages they offer to plan participants. Any amendments to the current plan document must be incorporated into a fresh “core” document.1,2
Here’s your chance to refine your plan – to possibly lower its costs, to get more out of it. A little analysis from a consultant (and perhaps a little surveying of your plan participants) may allow you to answer some crucial questions.
How many of you will have to give a toast at the holiday party this year? Or maybe you have some other great party before the holidays you need to have a toast prepared. What do you do? What do you say? How do you give a toast? Well, thanks to stores for the reminder the first thing you need to do to give an excellent toast is to be prepared and give yourself ample time to write your toast. So, since the stores are preparing for the holidays, maybe now would be a good time to start thinking about that toast.