December 4, 2013 at 10:06 pm (Uncategorized)
Warning: a spoiled federal government employee post.
For the previous 11 years at my job , a wellness nurse has visited the job site to administer the flu shot . This year, likely due to the government shutdown , employees were informed no flu shot would be administered at the job site . No visit by a wellness nurse? Bummer. We were given however vouchers to obtain a flu shot at a local CVS Pharmacy (value of $15). What ?
Who is the Tom , Dick or Harry at CVS who will administer the flu shot? The more I thought about this , the more uncomfortable I became.
About 2 weeks ago I decided to visit my internist to obtain the flu shot . The issue became coordinating my schedule. So meanwhile, no flu shot.
Yesterday afternoon I received an e-mail from HR advising a well nurse will be on site next Thursday. Made my day! I immediately responded asking for the 1st available time slot . Received a confirmatory e-mail a few minutes later.
I inquired if my boss and work colleague had seen the e – mail . My boss had and scheduled his appointment 5 Minutes after mine. My work colleague had not seen the e-mail. But she too needed to schedule an appointment with the Wellness Nurse to get her flu shot.
I guess we all are procrastinators!!
November 29, 2013 at 10:01 am (Uncategorized)
November 26, 2013 at 10:48 pm (Uncategorized)
“You mean no one gave you a turkey?”
A friend of my mother, who is a doctor, shopped at a local grocery store. This particular grocery store is located in a low income to lower middle class neighborhood (beginning to gentrify ).
A customer made the above remarks to the doctor. I guess this customer is used to receiving a free turkey from some group or organization each year.
Thinking about this customer’s remarks , I recall a statement of Dave Ramsey from his Financial Peace University series. Dave Ramsey stated he has been broke twicein his life. He has never poor. Being poor is a state of mind. The customer from The grocery store is an example of a poor person ‘s state of mind.
Yes, not everyone receives handouts. Yes, people earn money to buy their own food.
November 25, 2013 at 1:04 pm (Uncategorized)
I enjoy several of Healthy Choice entrees as meals for lunch.
I recently purchased several entrees. To my dismay the packaging has been redesigned. Maybe there’s a benefit to the new Cafe Steamers containers. For me the issue is the awkward and bulky packaging. The former packaging was an ideal rectangle shape.
Goodbye Portabella Marsala Pasta. Will I find another frozen entree that tastes so good.
November 5, 2013 at 1:30 am (Uncategorized)
What? That’s what the computer blared as I attempted to purchase my items via self checkout at the grocery store yesterday. What age restricted item did I purchase? I looked at the screen. Lord have mercy, the cough syrup? The cough syrup! I had to wait for an employee to come and “approve ” my purchase. Meanwhile I explained to the customer behind me that the cough syrup is age restricted.
When I picked up the box yesterday I did not see the side of the box with the warning to parents. I have taken a photo of the warning.
When the employee arrived at the checkout, I explained what happened. She didn’t bother to ask for identification to confirm I was 18 years or older.
Crazy. What a paternalistic environment we live in. And this doesn’t bold well for the future . Imagine , in a couple of years, as you attempt to purchase a bag of potato chips, you will be warned: “consuming this item may lead to obesity.”
November 2, 2013 at 5:42 am (Uncategorized)
So you don’t have a three to six month emergency fund (as Dave Ramsey recommends) or an eight month emergency fund (as Suze Norman suggests)? So what should you do to prepare for a possible government shutdown on or about January 15, 2014? Simple, stop funding your retirement account.
During the 17 day government shutdown, federal government employees were in panic mode. How do I pay for child care? How do I pay my rent or mortgage? I recall reading an article in The Washington Post were a middle age couple withdrew from their retirement account (TSP) the equivalent of two months of mortgage payments. A very bad move.
Stop funding your retirement account NOW and set aside that money as your emergency fund (do not use those funds for any other purpose) . If we avoid a government shutdown in mid January and Congress actually does its job and passes a budget (not another continuing resolution meaning they kick the proverbial can down the road to deal with the budget another day) then resume your contributions to the TSP.
A work colleague of mine recalled me telling her years ago, it is smarter to suspend contributing to your retirement account for a short period of time than to borrow from your retirement account. This friend closely followed the news and believed a government shutdown was on the horizons. So several months before the 17 day shutdown in October, she ceased contributing to her retirement account and saved that money as her emergency fund. Smart move on her part. Although like many federal employees she was unhappy about the shutdown, she was NOT financially stressed!
October 25, 2013 at 4:56 am (Uncategorized)
Those tenants still owe over $6,000 as past due rent.
Now the family member landlord will have to incur more legal bills in an effort to collect that money.
Is it worth the additional expenses and hassle? My family member must weigh the pros and cons.
One course of avenue is a given: report their poor payment history to a credit reporting agency.
October 25, 2013 at 4:47 am (Uncategorized)
It finally happened yesterday . Tenants were evicted from a family member ‘s rental property. These tenants , at one point , did not pay rent for six months. The family member incurred a lot of legal bills.
These tenants appeared in court multiple times. At one point they told the judge they would make payments based on a schedule they (the tenants ) proposed . And they failed to abide by their own payment plan.
These tenants have been stringing along the family member landlord for sometime. I guess they assume they could continue their game. They guessed wrong . Good riddance !
You may think I am cruel ( I ‘m not ). The landlord must pay property taxes twice a year, must maintain a basic business license , pays a property manager, funds the upkeep of property, etc. And until recently , if you owed taxes on your real property in the District of Columbia, even as little as $150, one could lose the house ( as profiled in a recent series by The Washington Post).
It’s not easy being a landlord in a city that is so pro tenant. But the times are a changing . With gentrification individuals and businesses will push for laws that are more pro landlord because we landlords provide that steady stream of revenue for the city. And hey city government , you want your taxes and fees paid on time, right? Well don’t hinder landlords’ efforts to collect overdue rent or evict non-paying tenants .
October 24, 2013 at 12:46 pm (Uncategorized)
Yesterday received in the mail a check for $132.23 representing a surplus from my escrow account. This morning I took this check from my credit union to the same credit union to deposit as a principal payment on the 2nd trust (along with .77 cents). I endorsed the cashier’s check payable to me as in previous years.
This morning the teller instructed me to endorse the back of the cashier’s check “not for purposes intended.” Befuddled, I asked “why?” She replied because the cashier’s check is payable to me. Didn’t make any sense but I followed her instruction.
Funny, if I had cashed that check, I would not have had to include the special endorsement. But because I used the cashier’s check to pay down my own debt, I had to include a special endorsement.
Just proves they want us individuals to be enslaved by debt!!
October 18, 2013 at 8:43 am (Uncategorized)
If you are a federal government employee, although the shutdown has ended, another shutdown is possible since Congress has not passed a budget for the current fiscal year. So we federal employees may be furloughed again in mid January.
Under such circumstances, for the upcoming holidays we must be extremely frugal. Yes Congress ‘ Christmas gift is a lump of coal.
Since we know what may happen come January, be prepared. Modify how you manage your money.
I will provide suggestions in a follow up post.