More Budget Ideas....

Hello again Darlings,

I am happy to say that I am making excellent although slow progress, last Sunday I was able to take my little Darling Diva Princess for a walk, granted it was only two blocks, but it was a start.

I am hoping that the weather will warm up mildly; I’ve had just enough of the chill and the wind for one winter.

The other evening I had a wonderful telephone conversation with my Brother Tom, he has invited me and Princess to join him and his wife up to his cabin in the mountains for a few weeks, the grand children will be up as soon as school lets out, they spend a few weeks up there, then off to see a fantastic place like Zion National Park, or historic places, then they come back and spend August with the grand parents. But part of their arrangement as encouraged by their parents is to write a two page essay about each of the places they saw and how it historically created our society. I was very surprised to hear what their parents are doing but they told me it was to help expand their education and awareness---of course they will go to Disneyland, that is their treat for keeping their grades up, poor grades no Disneyland. I think it’s a fair deal.

But even I have found it to be so restful out under the stars, which is why my niece and nephew love to go camping with their children and have them see historic places as well. Good education they say, and I have to agree.

But interesting enough my brother and his wife are going up and staying there for a while because of some legal business, not that he is having trouble but he’s decided to make sure the Homestead on his property is up to date and he is having the land re surveyed to make sure the property lines are still correct.

Then he informed me that he was going in to buy the timber, mineral and water rights as well as any other rights to his land where the family cabin is located plus making sure that the right of way is correct. He told me that the rights were still available, but many people do not realize that when they buy property they forget all these other property rights and the homestead option to protect their holdings.

Especially if you are buying land in the country, by having the homestead and all these rights, no one can get the land out from under you, if nothing else they will be forced by law to pay fair market value, and they will have to pay you for the rights or to lease the rights from you. I don’t know all the ins and outs of this but to you my Dear Diva’s and Diva’s in training one other person to add to your people to assist you is a real estate lawyer or property lawyer.

Never assume that your property is going to be safe, not with the government trying to condemn the land right out from under you and then giving them over to private developers.

Always Darlings protect what is yours, never surrender it without a good fight and then make sure they pay dearly for it.

Hetty Greene, whom some people referred to as “the witch of Wall Street” was a very sharp investor, her policy was buy cheap and sell dear, invest in something that there will be a demand for. The thing of it is, what is it that they will want, that is the trick.

Personally I’ve been looking at food products and products that people will always need, a child will always love to eat Mac and Cheese, so who makes a good product that sells well? Then find out who owns it, and then find out who is the ‘parent company’, that would be the best one to invest in for the long term. Other products as well such as toilet paper, Supermarkets, commodities. But go in for the long run, the sustainable run, not a quick profit.

Gold besides being used for jewelry is used in electronics, dentistry, and other applications, that will always go up. But I also invest in Silver as well.

And how are all you Diva Darlings doing?

I hope you are all doing well. Especially with all the sticker shock that is going around.

My “Business Ladies Who Lunch” and I had a gathering this last week and had been talking about the economy.

We do agree that part of the problem is the cap on oil production with demand increasing especially in China and India. As well as the useless and dangerous concept of using Corn for a Bio-Diesel fuel.

As one of my Ladies said “We can’t all convert to Bio-diesel or buy a Hybrid or Electric Car. Our current budgets simply don’t allow such purchases and there are places we want to go where such resources of that type of fuel, or plug in’s are not available. So we are stuck with gasoline/oil.”

Another said that the use of Corn, a staple of most food products, is financially dangerous, “We should look into other products such as sugar cane, or a form of sedge grass that seems to work well, even soy---something that grows fast, is quickly renewable and is not the foundation of the food economy, even reusing cooking oil from our homes or restaurants, didn’t they do something like that during World War II (yes they did as an oil/glycerin substitute). Looking into what Brazil is doing is important.”

I have to agree but for many people who have cars that run on gasoline, if they do not have a vehicle that runs on diesel such a conversion is not possible, the only thing is to hope for that more people will buy diesel engines, run on bio-diesel and in turn lower the cost of gasoline because the demand will be less.

And currently the investment return on Hybrids would be a long time in coming.

Another of my ladies said that Bamboo is an excellent wood crop for floors, plywood, furniture, and even paper products, etc., it’s fast growing, strong, and quickly renewable

“Cissy” mentioned that she re-discovered her LP collection when she was given as a gift a combination record-player with Radio, CD player and Tape player recorder. She loves it because it looks so old-fashioned.

She began to look over her unused Long Play 33 1/3 speed vinyl records, especially the classics, so carefully cleaning her records she began to play them and tape some of her favorites so she could play them over and over again without wearing out the records, and she tapes some of her favorite songs off the radio. Granted she has to put up with a brief bit of commercials but it’s worth it and again a saving instead of buying the entire CD she gets the music she wants---“later on” she said “I’ll buy the best of ‘so and so’ but I’ll save up my cans and plastic for that.”

Other suggestions were ~~~~

Plans your meals in advance, see what you already have in your pantry and then only shop with a grocery list; avoid impulse buying at the Supermarket or anywhere. Make a check list of your pantry so you’ll know what you have and what you’ve run out of, and only buy store brands if possible and be sure to use coupons.

If you simply have the urge to shop then go to Garage or Yard Sales, but also go with a list, only get what you need. Another suggested Holding a Yard sale at least twice a year, “cleans out the closet and you make money, then what is left over I list and donate and get a tax write off.”

The concept of cans and plastic for money was also brought up---Crush them (cans) so you can store more, but be sure to spray for ants and such, they get attracted to the sugar.
One of the ladies said that she was sure if she saved the money from turning in the cans and plastic she could save up for a nice vacation.

Another said that when she bicycles she carries several bags with her to collect the cans she finds (wear gloves as well). She also is fairly close to her grocery store, so she bicycles there, she found a place that sells second hand sports items and she found what she calls a tag-a-long, mostly people put their kids into them, but she found that it works well to carry her groceries, especially that she uses the recyclable cloth bags from the store. It works very well but put a flag on it so people in cars can see it since it rides low and follow all the vehicle laws, don’t just blast through a stop sign and stay to the far right of the road.

She saw someone who didn’t follow the rules, run a stop sign and got hit by a car, she told the police that the bicyclist was in the wrong, which ticked the bicyclist off, but as she said---he broke the law.

Several of the ladies said that the idea of Ipods and other portable electronic equipment are “…just useless” with the exception of the cell phone, “… there are times when you have to be in touch with the office and your clients…or if the car breaks down….emergencies…..if you can write if off as a business expense that would be good, check with your tax person…it’s stupid to use that at your main means of communication with friends to just ‘chat’ that’s what e-mail and land line phones are for…..I still need my lap top for my job but to write that off in taxes would be good.”….this was all the round-robin talk on electronics.

But one of the ladies mentioned a news article that appeared in the May 25, 2008 issue of the Los Angeles Times that said that the old services that most people had abandoned are coming back, railroads, Steel Companies, mining concerns, and agriculture, what is old is now new again.

All the tech. industry has offered things that occupy our minds and entertain us but it seems that in the long run people are now running back to that which you can hold, whether its cotton, cooking oil, or metals like copper or steel or fertilizer for food crops. In comparing U.S. Steel to Microsoft, Microsoft has flat-lined while Steel has shot up 1,000% in recent years.

Now I had told the ladies several years ago just after the dot coms had deflated that in time the old-fashioned tried and true will become the new wave of the future, I had been saying one needs to look to what is China demanding, what China demands is the wave of investments of the future.

I kept my U.S. Steel stock because it was given to me by my grandfather and I held it out of sentiment and just allowed it to grow and do what it does, granted it’s fortunes have been up and down and when it was down is when I bought more stock, and just let the funds come in.

Yes there are towns in the mid-west that are dying, but they can be re-vitalized with the new demands in solid tangibles, mad cow disease be damned. Although it could be at the expense of the coastal areas, unless one invests in shipping or Ports, the U.S. can increase its export potential.

The only problem is that job growth in these sectors is slow and in some areas jobs have been lost. The ladies believe that it’s because of improved ways of farming that use less labor.

But it’s much more---If any of you can, do read this article from the May 25, 2008 Los Angeles Times it is written by Peter G. Gosselin, and he’s right---one just needs to look at the raw materials demands of China, India and Brazil which the U.S. is rich in.

That may be the wave of the future and a possible bull market for 20 to 40 years, even if the U.S. dollar maybe slow to bounce back.

In the meantime, the ladies and I are still looking for ways to budget and cut back, another thought is overextended consumerism.

One of the ladies is going to try for a year to only buy food, medicine, hygiene products, just pay bills, insurances, purchase only what is needed for the upkeep of her car, and see about getting for free her magazines, books, DVD’s and CD’s at the Library and avoid buying clothes. Of course she does need to maintain her hair cut, and she will get her shoes re-heeled and such. But she’s going to try to put some of our suggestions into action and see what happens.

As a matter of fact all of us are going to try to do the same, it will be interesting to see how much we can save.

But in the meantime I’ll also be packing and selecting my clothes for my little vacation, it will be nice to be out under the stars and enjoying peace and quiet.

Until Annon Darlings, Kisses.

Investing, gardening and Staycations

Hello All you Darling Divas,

I know I haven’t been blogging for some time; I have to confess I’ve been busy, busy, busy.

The rains have done “a number” on my garden so I’ve been working on getting it up to par, thanks to Juanita's son-in-law Manuel, I'm so glad that he's willing to take on some side jobs besides his regular work.

I'm happy to say that Juanita and her family are doing well, Constance and Manuel have such a nice large back yard that they are planting vegetables and several fruit trees and are getting into the food canning and preserving. Manuel knows some small holding farmers and he is even able to buy fruits and veggies that he is not growing. Constance told me that there is something very special in having a vegetable garden, a sense of time and purpose, something she really can't put into words but I know what she means.

Of late both Juanita and I have gotten into going to the Farmers' Market for much of our groceries and the variety and freshness is so wonderful, and it's so easy to over buy, so now in the garage Juanita has started a pantry of preserved foods.


Princess my little Diva Darling had a serious tummy ache a few weeks ago, seems she swallowed something she shouldn’t have, well as all you dog lovers know having your beloved pet going in for surgery is always a worry, but I’m happy to say she is just fine and her fur is growing out after surgery, we'll have to be more watchful from now on.

This brings me to the question of pet insurance. Should one pay for pet insurance especially in today’s economy? Only if you can budget for having a pet, otherwise I suggest that you not own a pet beyond a goldfish, although goldfish are not exactly huggable, in the right aquarium they can have a wonderful calming effect after a stressful day, far better than Valium.

But if you are considering owning a dog or a cat, I first would have to say you need to look at your life style, many Divas’ work 12 to 15 hour days at this time, or they love to travel or go out partying when they can afford to, or they are caregivers, or they maybe facing layoffs or budget crunches.

If you are in that category then do not get a pet, stay with gold fish.

But if you are more stay at home, love to jog, have a solid job with nearly normal hours and can give the attention that a pet needs, then a pet companion is worthwhile, and pet insurance is also a good investment, but you have to make sure that the insurance covers a lot of things, remember if you buy cheap you will get cheap and not have what you need covered.

Much of the vet visits are check ups, shots or the fox tail embedded in the skin or ear, the latter can cost you $400 if you are going after hours. Also find out what kind of pet insurance your vet takes or recommends, that can save you much worry.

It is a wise Diva who is thinking of being a pet owner to consider those things.

Now about finances: The state of the Union with its debt is not good, unless changes are made, and if they can raise their debt ceiling it still will not put us in good shape.

I recommend reading Thomas G. Donlan’s editorial in the June 20, 2011 Barron’s magazine, page 51, it is worth the read.

Unless the U.S. can bring back jobs to the U.S., increase it’s export of goods, get businesses back in American hands, stop giving money to countries that do not pay us back, become a credit nation as oppose to a nation in debt to others, then the U.S. will cease to exist as a great nation and be under the thumb of foreign interests which it already is.

And even owning gold will not help, unless we give up fiat money. We are paying more than the value owed, so it’s not real.

I Recently read in Fortune Magazine June 13, 2011 the article about Robert (Bob) Rodriguez (page 136) he predicted the last two market crashes when most other investors just poo-pooed his prediction and they were caught flat-footed, and he’s predicting another one---currently he’s refusing to invest in a bond market that is being distorted by government interference and he’s sticking with this approach, frankly I’m with him on this. READ THIS ARTICLE IN FORTUNE!

Currently his fund FPA Capital is closed to new investors but there are three others that have his approach such as risk aversion, emphasis on cash flow or a focused portfolio---they are The Jensen Portfolio, Yacktman Focused Fund and Sequoia Fund. I’m inclined to go with Sequoia Fund myself but all three are excellent.

More than ever people are looking at what they can truly afford; they are cutting back on useless things and taking a hard look at what they really need.

And Divas should do the same, you don’t need 10 pairs of Jimmy Choo’s shoes, shoes can have style and be sensible as well. Just the other day I ran into an acquaintance of mine and she had on the most stylish but sensible heeled shoes I’ve seen, I asked her where did she find such lovely things and she said that she found them at Nordstrom’s and on sale, they can go from Summer to Winter and back again, perfect for work meetings as well as going out.

The dear sweet young thing said to me “I’m going back to the ‘three basic black skirts’ concept” and it works! So what are the three basic black skirts? Three skirts of three different lengths, above the knee (but only if you have great looking knees and thighs), just below the knee, and ankle length, each one fills a perfect need, the ankle length is excellent for formal affairs, the below the knee is excellent for work and informal occasions, above the knee is fine for going out and having fun---but again that length only works if you are a certain young age.

She was surprised to find out in “The Week” magazine June 24, 2011, that back in 1930 women owned on an average just 9 outfits, now in 2011 the average woman has at least 60 pieces of clothing, and this is not including underwear, nylons, shoes, purses and for some—hats.

I know of one young man who is putting together a basic working wardrobe for young men or Divos (male divas) he said that as soon as he has it figured out he will let me know to post on my blog since he follows it as well.

Getting back to finances I still recommend following the investing articles in all the previous money magazines that I’ve suggested and I still recommend investing in commodities that withstand the test of time and economic fluctuations and companies that build support products for computers, such as printers, software, etc, but with electronics you have to be constantly on the watch for any sudden changes. Continue to avoid the dot.coms start ups as much as possible, a company such as Apple only comes along once in a generation.

Currently IBM (International Business Machines) is holding up very well, so if you want to invest is something like IBM or Apple, research it carefully, see if it has "legs" and is not "Pie-in-the-sky". I was very lucky, my Grandfather saw the solidness of IBM many years ago and in time I inherited a portion of his stock, which I built upon, and I did take "a flyer" on Apple many years ago because I felt it had "legs" but it is a bit scary when a stock on a company goes up and down based on the health of it's CEO. IBM doesn't do that, again I suggest look into companies to invest in that will hold out for the long haul, it may have a slow growth rate but you want it to be able to withstand the fluctuations of the economy.

On electronic equipment---Do I suggest going out and getting the latest ipad or ipod? No---what I do suggest is looking at what you really need to keep up with your job, what will work best.

Although I do have a cell phone I do not go in for all those apps, I feel they are a waste of money, unless you take public transportation, that application can come in handy, especially if time is of the essence and the calculator.

I still keep my hard wire land line only because the voice quality is so good, I’m not big on skyp, again I find the voice quality poor, but hard wire comes in handy when you are doing an order over the phone or you need to talk to someone about something and it’s going to take a long time to talk about whatever you need to discuss.

One thing I’ve been very discussed with is the phones that are hardwired to the wall but then you pick up the phone and can roam over the house with it, what one forgets is that the batteries in those phones die, so I prefer to have the head/hand set hard wired to the phone base, nothing dies although it’s difficult to roam all over the house but that doesn’t count when one is conducting business.

Alright enough of that----So vacations are becoming staycations, and gaining a certain amount of interest. Of course Mommy misses out on not having to cook or clean, but staycations can include that if everyone else pitches in on the cooking and cleaning and making mommies work easier, especially during the Summer.

Riding the bus, going to a park, camping in the back yard, visiting the local museum or Zoo, many people are amazed as to what is close to home that are either free or low cost---of course some young people need to go to that huge amusement park, but this is when the entire family should save up for it, save those pennies, nickels and dimes, recycle those cans and plastic bottles and see what one can get, have a yard sale or two, with a big event as the goal, with everyone joining in and working together towards the same goal it makes it more memorable.

Now that is for the family, but my dear Divas you can do it as well. Select the local spot that you are just wishing to spend a night or two at and be spoiled, by doing those savings, that is what makes it so much more splendiferous.

And for Moi? Well once again my brother and sister-in-law have invited me to their Ponderosa cabin in the mountains, I’ll get to see what improvements and special touches has been made on their home away from home, as I understand it some progress has been made but with the snows it had been a bit slow, but they are making up for lost time. Either way it will be nice to have a little get a way and do a bit of catch up with the family.

Until Anon my Darling Divas. Kisses.

A Fire Vacation~~~~

Well Darlings,

My brother had decided that it would be best to cut short our vacation at his cabin.

And what an adventure it had been.

For a while we were not worried about fires because most of them were far from us, but a new fire started a bit nearer to us and at first it seemed that things might be fine, but my brother has a bit of a sixth sense and decided to call his other son, Ronnie to rent a large U-Haul truck and get some of his friends up to the cabin quickly; we were going to pack as much out of the cabin as possible.

Lois and I didn’t argue with my brother’s decision, so we started boxing all the small things first while we waited for the truck to get here. My brother checked on his neighbors and they too were considering packing some of their things just in case.

It was a few hours but Ronnie and two of his friends got here, so we started with the boxes first into the overhang, we had already put the important papers into Tom’s car. The boys made quick work of everything thanks to the fact that Tom, Lois and I had already dismantled the beds and took down all the curtains and unplugged and boxed up everything. Amazing what one can do in a hurry.

Tom made reservations at a motel that was safely away from the area, so all of us could stay there overnight to rest before we came home. The last thing that was packed besides my little Princess was Lois’ western town painting, while Tom took pictures of the cabin and property “For the Insurance” he said. Lois put the painting into their car. “I’m not taking my eye off of that painting” and she was right, she even took it into the Motel Room instead of leaving it in the car. It turns out that her $25.00 painting is worth several hundred dollars, it had been painted by a minor western artist in the 1940’s.

So now Princess and I are home, my house sitter is still here and I told her to stay a while as I was planning to go someplace else, it’s just making up my mind what to do next. I called Juanita at her daughter’s house and updated her. She wanted to come back home right away but I told her to stay and have fun with her family as I was going to plan another trip and I would update her on that.

The air has been so poor here from the fires that I need to find a place where it’s as clear as possible and since I was here, I needed to refresh my wardrobe and take care of any bills, while I was gone I had my house sitter delivered any bills to my lawyer so he could take care of them for me, I’m not ready to do bill paying on line yet.

My house sitter has done an excellent job of taking care of the house, neat, clean and the plants are doing well thanks to the drip irrigation. So I think taking another few weeks off would be good but I just need to think of where to go, considering all the smoke haze we’ve been having.

I’ve called my friends and let them know I am back for a little while, Keith came by the other evening to take me out to dinner, he had some suggestions and then dear Kenneth is coming by today to treat me to lunch, so we shall see.

I just feel so bad about my sister-in-law and brother, Lois took one last look at the cabin and then straightening her shoulders she said to me “If it burns it can be re-built, we are in a more fortunate position then some of our neighbors, but we’ve had it for 20 years.” I said to her “Lois you were always saying that except for the fire place there were a lot of things you wanted to change, if it burns think of it as serious home remodeling” and she laughed “That’s right, I really want to do it in all old fashioned knotty pine and river rock, maybe like the Ponderosa” referring to the homestead in the T.V. program “Bonanza”.

We shall see; I just hope everyone else comes out of this disaster well. We had heard on the news the night at the motel that one person had died in the Butte Fire, and we kept looking at each other then we hugged, realizing we are blessed.

I’ve not seen anything like this in 40 years or since the Oakland Fire Storm. We can just hope for the best for everyone, for many they are losing the only home they’ve known. But I’ve realized and this is a lesson for all you Diva’s, material things can be replaced, but family and good friends cannot.

If anything save your pets, your family photos and important papers, all else just have good insurance because it’s transitory.

And I’ve found out just how transitory I just received a telephone call a few days ago from Lois, she and my brother had got their things all packed away in a large storage unit but had decided to go back up to check on the status of their cabin.

She told me they had not been permitted to go to the area, so they went to a shelter for up dates, and she told me a very sad story, which has a happy ending.

They had tried to get to their cabin but had been turned back by the fire department, as they were driving down they noticed a dog slowly limping along the road, he looked like an Australian Cattle Dog and was in pitiful condition.

Lois and Tom managed to persuade the dog to allow them to pick it up and gave it some water, poor thing was thirsty. They had no idea where the poor thing came from; Tom knew none of his near neighbors had a dog of this type, so they took the poor thing to a Veterinarian.

Tom gave all the particulars and said to charge the bill to him, and if possible see if anyone had reported a lost dog answering that description.

Lois told me that the poor thing’s fur was singed, and he was soot covered, and its paw had been burned, the Vet said that it was also hungry and dehydrated, but should be fine. The strange thing is Lois was calling the dog “Smokey”.

She and Tom stayed in a Motel near their cabin area and keep checking on things.

During that time Moi had been in touch with her brother Roger in Santa Barbara and said that the air quality was good and to come down and spend a few weeks with them; Tom’s other son Richard and his wife and children had changed their plans because of the fires and will be visiting Roger instead in August, so it’s good to know they are safe.

So for now I’ll be staying at home for a few weeks and then off to Santa Barbara, my house sitter can accommodate the arrangements so she is going to visit relatives and then come back to house sit. Juanita will be with me for a few weeks make sure to her satisfaction that everything is just right.

I’d been in touch with my friend “Mean Kitty” and she told me and I quote “I think your brother and his wife are going to have themselves a dog, when you start giving some critter a name it starts becoming a part of you” and I think she’s right.

I’ve asked her if she and her husband wanted to join me at my brothers but she had to say no, “Work has got me tied up here and I’ve got some plans to do a yard sale or two, so I’m going to have to beg off.”

She showed me some of the vintage stuff she was planning to sell and I offered to buy this Victorian plant stand, I think Tom and Lois will like it for the cabin or new cabin which ever happens, it needs some restoration, but I think Lois will like the challenge.

“Mean Kitty” has been telling me how much the terrible economy has affected her and her husband, but she thinks some things may improve, “I have a plan and I just need to keep to my goals” she says. She is trying to stay positive about it “My house is in no way in danger ‘cause I’ve got a fix loan, through a good bank, so just have to stay with the budget.” I’m glad for her.

In the mean time I treated her to our favorite restaurant, after all one has to have a bit of fun in all this doom and gloom

I’ve been in touch with my brother Roger and he told me he has been looking around at things in his home, knowing about all the fires that have happened in his area and he has come to a conclusion. All the things that have extreme monetary value he is going to have auctioned off and simply put the money into some good long term investments.

He’s renting several safe deposit boxes to hold the originals plus negatives of family photos, what he has put up are copies.

I asked him about what he would do with his bare walls after he’s sold his art work and he told me that there are some painting galleries for people that just want a pretty picture on the wall that are inexpensive, so he’s going to do that.

Most of the antique furniture he’s going to sell, and just put in reproductions that are far more comfortable.

It’s this ‘Wildfire’s/Firestorm” attitude or feeling, just getting down to basics. And I can understand that. My brother said that since he has a guest house in the back I could always move in there if I wanted to. I thought that was very dear of him to suggest that, but I said that right now I just simply could not leave my current home, but to not be surprised if one day I show up with a U-haul and all my Samsonite retro collection luggage.

Now just an hour ago I got word from Tom and Lois, their cabin had burned down, the shed that held the ski’s and bikes was spared and most of their neighbors came through it fine, with only a couple of exceptions. Tom said that it looked like the fire just rolled through the trees but left the upper half of the trees alone; he said he’ll know better how much he may have to clean up after the first rains.

Lois said she gets to do her house remodeling, and about “Smokey” the dog they rescued a few days ago? Well they found Smokey’s owner, a very elderly man who had been pulled from his home by his neighbors, but they couldn’t find the dog at that time, the old gentleman thought that Smokey was dead. Lois told me the tears that were in that man’s eyes to know that Smokey was just fine and healing made her cry.

Lois said that they are now Smokey’s new owners, it seems that his former owner’s heart is in a bad way and he has to go to a care facility, he had a minor stroke and now he has no home to go to since it burned, but the old gentleman said that as long as he knew Smokey was fine and with good people he could go to the “old people’s home” with a clear heart and soul.

And, here is the surprise, Smokey is his real name, Lois said she had no idea that was the dog’s real name but it felt right and he responded to it.

So all’s well that end’s well---well as well that can be expected.

Tom is going to see what he can do to help his neighbors that lost their homes, put them in contact with some agencies that can help them. And Tom and Lois are going to see that Smokey’s former owner gets to see Smokey from time to time and make sure that the old man is doing o.k. it turns out that he has no family, so Tom is going to make sure a trust is in place for the old man’s care, the doctors’ said he really doesn’t have much time left and seems contented to go, so Tom has been talking with him about final arrangements.

It really doesn’t surprise me that Tom and Lois are doing this, they always wanted to do more for our father and mother, but sometimes things simply got bollixed up and it was left to Roger, not that Roger ever resented that, he’d always simply shrugged his shoulders and said “Man’s got to do what a man’s got to do.” And Tom and I always supported Roger’s decisions.

So in about a week or so I’ll be heading off to Santa Barbara, I do hope things will be better, but just knowing that some things have turned out well is enough for me.

Until Anon Darlings, Kisses.

More Budget Ideas....

Hello again Darlings,

I am happy to say that I am making excellent although slow progress, last Sunday I was able to take my little Darling Diva Princess for a walk, granted it was only two blocks, but it was a start.

I am hoping that the weather will warm up mildly; I’ve had just enough of the chill and the wind for one winter.

The other evening I had a wonderful telephone conversation with my Brother Tom, he has invited me and Princess to join him and his wife up to his cabin in the mountains for a few weeks, the grand children will be up as soon as school lets out, they spend a few weeks up there, then off to see a fantastic place like Zion National Park, or historic places, then they come back and spend August with the grand parents. But part of their arrangement as encouraged by their parents is to write a two page essay about each of the places they saw and how it historically created our society. I was very surprised to hear what their parents are doing but they told me it was to help expand their education and awareness---of course they will go to Disneyland, that is their treat for keeping their grades up, poor grades no Disneyland. I think it’s a fair deal.

But even I have found it to be so restful out under the stars, which is why my niece and nephew love to go camping with their children and have them see historic places as well. Good education they say, and I have to agree.

But interesting enough my brother and his wife are going up and staying there for a while because of some legal business, not that he is having trouble but he’s decided to make sure the Homestead on his property is up to date and he is having the land re surveyed to make sure the property lines are still correct.

Then he informed me that he was going in to buy the timber, mineral and water rights as well as any other rights to his land where the family cabin is located plus making sure that the right of way is correct. He told me that the rights were still available, but many people do not realize that when they buy property they forget all these other property rights and the homestead option to protect their holdings.

Especially if you are buying land in the country, by having the homestead and all these rights, no one can get the land out from under you, if nothing else they will be forced by law to pay fair market value, and they will have to pay you for the rights or to lease the rights from you. I don’t know all the ins and outs of this but to you my Dear Diva’s and Diva’s in training one other person to add to your people to assist you is a real estate lawyer or property lawyer.

Never assume that your property is going to be safe, not with the government trying to condemn the land right out from under you and then giving them over to private developers.

Always Darlings protect what is yours, never surrender it without a good fight and then make sure they pay dearly for it.

Hetty Greene, whom some people referred to as “the witch of Wall Street” was a very sharp investor, her policy was buy cheap and sell dear, invest in something that there will be a demand for. The thing of it is, what is it that they will want, that is the trick.

Personally I’ve been looking at food products and products that people will always need, a child will always love to eat Mac and Cheese, so who makes a good product that sells well? Then find out who owns it, and then find out who is the ‘parent company’, that would be the best one to invest in for the long term. Other products as well such as toilet paper, Supermarkets, commodities. But go in for the long run, the sustainable run, not a quick profit.

Gold besides being used for jewelry is used in electronics, dentistry, and other applications, that will always go up. But I also invest in Silver as well.

And how are all you Diva Darlings doing?

I hope you are all doing well. Especially with all the sticker shock that is going around.

My “Business Ladies Who Lunch” and I had a gathering this last week and had been talking about the economy.

We do agree that part of the problem is the cap on oil production with demand increasing especially in China and India. As well as the useless and dangerous concept of using Corn for a Bio-Diesel fuel.

As one of my Ladies said “We can’t all convert to Bio-diesel or buy a Hybrid or Electric Car. Our current budgets simply don’t allow such purchases and there are places we want to go where such resources of that type of fuel, or plug in’s are not available. So we are stuck with gasoline/oil.”

Another said that the use of Corn, a staple of most food products, is financially dangerous, “We should look into other products such as sugar cane, or a form of sedge grass that seems to work well, even soy---something that grows fast, is quickly renewable and is not the foundation of the food economy, even reusing cooking oil from our homes or restaurants, didn’t they do something like that during World War II (yes they did as an oil/glycerin substitute). Looking into what Brazil is doing is important.”

I have to agree but for many people who have cars that run on gasoline, if they do not have a vehicle that runs on diesel such a conversion is not possible, the only thing is to hope for that more people will buy diesel engines, run on bio-diesel and in turn lower the cost of gasoline because the demand will be less.

And currently the investment return on Hybrids would be a long time in coming.

Another of my ladies said that Bamboo is an excellent wood crop for floors, plywood, furniture, and even paper products, etc., it’s fast growing, strong, and quickly renewable

“Cissy” mentioned that she re-discovered her LP collection when she was given as a gift a combination record-player with Radio, CD player and Tape player recorder. She loves it because it looks so old-fashioned.

She began to look over her unused Long Play 33 1/3 speed vinyl records, especially the classics, so carefully cleaning her records she began to play them and tape some of her favorites so she could play them over and over again without wearing out the records, and she tapes some of her favorite songs off the radio. Granted she has to put up with a brief bit of commercials but it’s worth it and again a saving instead of buying the entire CD she gets the music she wants---“later on” she said “I’ll buy the best of ‘so and so’ but I’ll save up my cans and plastic for that.”

Other suggestions were ~~~~

Plans your meals in advance, see what you already have in your pantry and then only shop with a grocery list; avoid impulse buying at the Supermarket or anywhere. Make a check list of your pantry so you’ll know what you have and what you’ve run out of, and only buy store brands if possible and be sure to use coupons.

If you simply have the urge to shop then go to Garage or Yard Sales, but also go with a list, only get what you need. Another suggested Holding a Yard sale at least twice a year, “cleans out the closet and you make money, then what is left over I list and donate and get a tax write off.”

The concept of cans and plastic for money was also brought up---Crush them (cans) so you can store more, but be sure to spray for ants and such, they get attracted to the sugar.
One of the ladies said that she was sure if she saved the money from turning in the cans and plastic she could save up for a nice vacation.

Another said that when she bicycles she carries several bags with her to collect the cans she finds (wear gloves as well). She also is fairly close to her grocery store, so she bicycles there, she found a place that sells second hand sports items and she found what she calls a tag-a-long, mostly people put their kids into them, but she found that it works well to carry her groceries, especially that she uses the recyclable cloth bags from the store. It works very well but put a flag on it so people in cars can see it since it rides low and follow all the vehicle laws, don’t just blast through a stop sign and stay to the far right of the road.

She saw someone who didn’t follow the rules, run a stop sign and got hit by a car, she told the police that the bicyclist was in the wrong, which ticked the bicyclist off, but as she said---he broke the law.

Several of the ladies said that the idea of Ipods and other portable electronic equipment are “…just useless” with the exception of the cell phone, “… there are times when you have to be in touch with the office and your clients…or if the car breaks down….emergencies…..if you can write if off as a business expense that would be good, check with your tax person…it’s stupid to use that at your main means of communication with friends to just ‘chat’ that’s what e-mail and land line phones are for…..I still need my lap top for my job but to write that off in taxes would be good.”….this was all the round-robin talk on electronics.

But one of the ladies mentioned a news article that appeared in the May 25, 2008 issue of the Los Angeles Times that said that the old services that most people had abandoned are coming back, railroads, Steel Companies, mining concerns, and agriculture, what is old is now new again.

All the tech. industry has offered things that occupy our minds and entertain us but it seems that in the long run people are now running back to that which you can hold, whether its cotton, cooking oil, or metals like copper or steel or fertilizer for food crops. In comparing U.S. Steel to Microsoft, Microsoft has flat-lined while Steel has shot up 1,000% in recent years.

Now I had told the ladies several years ago just after the dot coms had deflated that in time the old-fashioned tried and true will become the new wave of the future, I had been saying one needs to look to what is China demanding, what China demands is the wave of investments of the future.

I kept my U.S. Steel stock because it was given to me by my grandfather and I held it out of sentiment and just allowed it to grow and do what it does, granted it’s fortunes have been up and down and when it was down is when I bought more stock, and just let the funds come in.

Yes there are towns in the mid-west that are dying, but they can be re-vitalized with the new demands in solid tangibles, mad cow disease be damned. Although it could be at the expense of the coastal areas, unless one invests in shipping or Ports, the U.S. can increase its export potential.

The only problem is that job growth in these sectors is slow and in some areas jobs have been lost. The ladies believe that it’s because of improved ways of farming that use less labor.

But it’s much more---If any of you can, do read this article from the May 25, 2008 Los Angeles Times it is written by Peter G. Gosselin, and he’s right---one just needs to look at the raw materials demands of China, India and Brazil which the U.S. is rich in.

That may be the wave of the future and a possible bull market for 20 to 40 years, even if the U.S. dollar maybe slow to bounce back.

In the meantime, the ladies and I are still looking for ways to budget and cut back, another thought is overextended consumerism.

One of the ladies is going to try for a year to only buy food, medicine, hygiene products, just pay bills, insurances, purchase only what is needed for the upkeep of her car, and see about getting for free her magazines, books, DVD’s and CD’s at the Library and avoid buying clothes. Of course she does need to maintain her hair cut, and she will get her shoes re-heeled and such. But she’s going to try to put some of our suggestions into action and see what happens.

As a matter of fact all of us are going to try to do the same, it will be interesting to see how much we can save.

But in the meantime I’ll also be packing and selecting my clothes for my little vacation, it will be nice to be out under the stars and enjoying peace and quiet.

Until Annon Darlings, Kisses.

Back from my Winter Vacation Darlings

Well, Darlings I am back!

And such a wonderful whirlwind vacation!

I’ll give you all the highlights in just a few paragraphs, but first, I know that some of you wonderful Darling Pet Lovers want to know how my little Diva Darling fared while her “Mommy” was gone.

Princess did remarkably well, I phone Betty every few days and it seems that Princess and Jezebel were have their own little vacation. The two of them would play for hours on end until they were exhausted and then they would sleep together in Princess’s little bed. My little Diva Darling even used the kitty litter box, like a little lady.

This surprised Betty, but seeing as they were getting along so well and Princess appeared to be happy it was no cause for concern, but it seemed that each wanted to try the others food, fortunately no tummy upsets.

Of course when “Mommy” came to pick her up she was just jumping for joy and is back in her own home and into her regular routine, first checking out everything in the house to make sure all is well.

I know some of you would have asked “why didn’t I have Juanita watch Princess,” well I would have except that we had made arrangements prior to my going where she could visit her family for a few extra days and simply check on the house from time to time.

And Betty prefers to stay home as much as possible during the winter time; she is not one for the cold outdoors, it makes her joints ache painfully and considering how cold it’s been and still is, with snow on Mts Hamilton and Diablo I’m not a bit surprised. So it was a perfect arrangement and Princess and Jezebel’s antics did give Betty much laughter, especially in light of the horrible weather that everyone here in the Bay Area is suffering from.

As my dear friend “Mean Kitty” would say “…and I do mean suffering!” Poor dear is down with a nasty cold, all coughing, wheezing and sniffling. Not much one can do except bed rest, plenty of fluids, and cold medicine to at least make it bearable and lots of Kleenex with a very soft ply for a very sore nose. As soon as I found out she was sick I sent a Care package to her, her “hubby” was very grateful for it, poor soul was all thumbs caring for her.

Now Darlings about the trip; we finally made it into Reno, it was a bit of slow going because of all the snow, but the “upside” as my dear friend Michelle says is “We don’t have the headache and tense nerves driving in it”

And she is so right, how lovely it was to sit back, relax and leave the “driving” to the train and enjoy the view, it was like a Christmas postcard or a Thomas Kincaid painting unfolding before us.

We arrived at the Station a bit behind time and again gathered our luggage and took a taxi, although the station is only 4 or so blocks from the Legacy, considering the weather and all the luggage we had again it was best to take a taxi and again we paid the driver very well so he wouldn’t feel that he did a lot of hard work for nothing.

Remember that My Dear Divas, when you travel anywhere, if it’s a short trip from the station or air port and you have a lot of Louis Vuitton or quality Samsonite luggage be sure to tip generously. Everyone works hard for their money.

At the Silver legacy we settled in, and I found out that Michelle had booked us through Sunday with an option for staying one more night or two depending upon the weather. Of course we would return by train. So we took our time to unpack and unwound ourselves. We were fortunate to have Spa Suites, definitely for a romantic get away or just to relax, and feel pampered; the “I’M QUEEN OF THE WORLD!!!” type feeling.

And what a view of Reno and the mountains with all that cold, cold snow, which I’m sure many ski bunnies, appreciated.

After we refreshed ourselves we decided to talk a walk around to see what is being offered, do a little gambling, find a bite to eat and maybe take in a lounge or cabaret act.

And we weren’t disappointed. Since we were unwinding from traveling after a more than 4 hour trip from Sacramento to Reno, we relaxed and had a drink at the Sliver Barron Lounge where they had live entertainment, I thought the act was very good and Michelle said that she was familiar with them and was glad to see them doing so well.

Now on the entertainment---We saw Forbidden Broadway, very funny and very enjoyable and much of the “In-house” entertainment was very top notch, comedy acts, dueling pianos, a sort of Tiki act, singers too much to even begin to relate but I can tell you this you will not be disappointed. There was something different each night and with the Legacy, the El Dorado and Circus, Circus being linked with sky walks you can walk from one to the other and see something different each time.

Of course reservations are a must with the large name acts and a number of the cabaret acts. And each theatre or lounge had a different theme.

The same could be said of the food, so many choices so little time, we both were grateful for the workout rooms and spas massages that was offered, even so I did put on a couple of pounds---Got to work it off Darlings, can’t afford to have it all go to the hips.

And each restaurant with a different theme and specialty, from Steak to Tuscany and everything in-between. I cannot even begin to tell you which was my favorite.

But I do have to say that starting the day’s adventure at SIPS coffee and tea was the perfect way to begin. Michelle arranged for a chauffeured vehicle for us and we went to the Nevada Museum and took in the antique slot machine exhibit as well as paintings and everything. Another day when the weather wasn’t so bad we simply were driven around Reno to see how much it had changed over the years, and we had a chance to visit with some performers that Michelle was familiar with and see them do their acts.

I have to admit Reno is not the same as when I was a little girl to young lady, it’s all gone, Harold’s Club and the Mapes and the Primadonna, there was something about it that was just a bit gritty and edgy and a bit dangerous back them. The “Rat Pack” feeling now it’s a pizzazz and glitter and Disneylandish for adults.

I remember one time I was walking with my Father through one casino, he held my hand we were going to meet my mother at a restaurant at this casino and I can’t remember which one, and there was this table that was roped off and men and one woman were playing a high stakes game and everyone was gathered around with the ropes keeping the distance. There was one old man playing at this table. My Father stopped to watch briefly so I watched with him and there was something about this old man, he looked at his cards and then looked at everything on the table, his face revealed nothing, he said something to the house dealer, and another man laid his cards down and then the old man’s eyes seemed to take a sparkle at what he saw, and with that he laid his cards down without any flourish but with a little smile on his face.

All the chips were given to the elderly man and he shook hands with the fellow who had lost. People quietly applauded as if at a chess match. I heard my Father say “He’s still good” and who that man was I never knew, because we had to meet my mother for dinner.

I also remember staying with my parents at the Mapes Hotel and Casino many years ago when it was still in its Hey Day and I had my own room connected to my parent’s room. I remember it overlooked the Truckee River and that the drapes, bed clothes and everything being gold and white, at least that was the impression I had. Marilyn Monroe stayed there when she was filming the Misfits, if she had this room I cold understand the feeling I had being there, I felt like a princess. Ahhh so many years ago---now all gone.

But now with the Legacy, the El Dorado and Circus, Circus being connected by skywalk ways you don’t even have to go outside to get to a Casino. It feels a little disconcerting, like losing all track of time. That is why it’s very important to wear a watch.

But I could see the advantage of these walkways in both Reno and Vegas, and being connected to all the casinos

I remarked to Michelle that what Reno and Vegas is doing feels like a forerunner to the city of the future. Imagine being able to walk around Chicago and New York with being in the snow or heat. But it also feels a bit isolating as well. Hmmm that is something for future thought.

Well besides touring, eating and taking in the shows we did gamble a bit and I need to warn you Diva’s do not lose more than you can afford, that is the best advice my Father gave me, so for years I’ve always set aside a “Gambling Fund”, any lose change in my purse plus a certain amount goes into that fund, and that is what I recommend.

An acquaintance of mine does that as well but she goes one further, she’ll save cans and bottles and such, so when she goes on her walks she takes and old canvas bag and any cans, bottles she finds she collects and once a week takes it to the recycling. She plans about several trips a year and always when one of her favorite performers is appearing.

I asked her about the Indian Gaming Casinos and she told me it was the same policy, only if one of her favorite performers was appears and the roads were really bad to Vegas or Reno.

So keep that in mind Darlings so you won’t have to use and Max the Credit cards.

One of several habits that Michelle and I have is when we are in our rooms to have the television on at certain times to the news and for me, stock reports; we each have our own personal preference depending on our interest.

Imagine our surprise at seeing the Monte Carlo on Fire, but so far as we understood it no one was hurt. Michelle said she wasn’t a bit surprised about the situation, as she had heard of someone trying to set fire to a hotel that was in the process of slowly being renovated while it still maintained its tenants, she was wondering if it was some sort of arsonist trend. And taking into consideration the age of the Monte Carlo that was another factor. Michel I know will be looking into this considering her interests in the entertainment industry.

Another habit we both have is to listen (without appearing to be listening) other people’s conversations, there are different reasons for the both of us; you never know when it’s someone who is affiliated with some aspect of finance, industry or trends. It gives the both of us what to consider on our various investments. And on the lighter side it also made for good gossip for us after the other people leave, much more fun than soap operas. And on some occasions with our eaves dropping a bit more dramatic than “Dallas” or “Falcon’s Crest” or that other high society soap opera that had Joan Collins in it.

Michelle and I have set our Televisions to Tivo “Cashmere Mafia” and “Lipstick Jungle” so well has something to laugh over. I’m sorry Darlings I simply cannot get excited over “America’s Top Model” or “Survivor”, who wants to see sweaty, insect bitten, undernourished contestants bickering and that’s just “America’s Top Model”.

Well Darlings considering the weather we weren’t able to leave Reno until the following Tuesday but that was no hardship for us since we did have that planned. So once again we took the Capitol Corridor back into the Bay Area and then Taxi to my home. Allowing ourselves a bit of time to unpack and for Michelle re-pack I had her stay with me for a couple of days until she caught the train to Los Angeles and I have to admit I will miss her, we had so much fun together. Now she says that we'll have to plan a trip to Hawaii!!! I asked her if we could hold off on those plans for a while. And she laughed, and said I'd have to plan on staying with her for a week or two and do some serious shopping with her.

Juanita had all my mail sorted and stacked and ready for me to go through, she transferred messages from my answering machine so I do have people to call back, which I have been doing.

Oh just when things were so wonderful I have to make an appointment with my Tax Preparer.

My Father use to say, “January, February and March is really the time to get once house in order for the New Year, January especially you really can’t plan for fun until after April 15th.” And he was so right.

So now Darlings, the sun is just about to set I still have an hour of daylight, so my Diva Darling and I are going to take another walk to the Beach, I find that it gives me inspiration. Then a nice quiet dinner and we will curl up in front of the fireplace with a nice warm fire burning, and plan our next set of adventures.

“Hold me close and hold me fast
This magic spell you cast
Is La vie en la rose.

When you kiss me Heaven sighs
And though I close my eyes
I see la vie en la rose

When you press me to your heart
I’m in a world apart
Where roses bloom

And when you speak
The angels sing from above
Everyday words that turn
Into songs of love

Give your heart and your soul to me
And life will always be
Le vie en la rose”

So until Annon Darlings, La vie en la Rose.