Back in "the saddle again"~~~

Hello, Hello, Hello My Dear Diva Darlings!!!

Yes where have I been!!

Well to be honest I have been seriously ill.

Yes Darlings I had serious congestive heart failure,  it rendered me bed ridden, for months but thanks to my family, my dear sweet Juanita and her daughter and grand-daughter I have been well cared for.

And now I have a pace maker, a lovely device that will help keep my heart beating and beating, and yet I still have to "take it easy". 

It took some time to have it all done, stabilizing, monitoring, getting my strength back, the surgery to implant the wires and the device, recovering from that.  My left arm was very sore too.

And simply getting back "into the groove" 

I will not be as active as I have been, I have device I'm also suppose to wear in case I'm alone and need help and cannot get to a phone. 

I had a caregiver with me to help Juanita and Constance so the burden would not completely fall upon them and a nurse to visit me, and then the doctor's appointments. 

But now I am well enough to resume most but not all of my activities. 

In my next few posts I will both update you and also continue to give advice, at least from my perspective. 

Much of my previous advice still holds true, in that area nothing has changed.

But I will make suggestions on how to continue your Diva Life.

But for now----I'M ALIVE MY DARLINGS----I'm not Dead Yet!

Until Anon, Kisses Darlings

And update and being busy~~~

Hello my Diva Darlings,

Yes, I have been away, but I've been busy.   It seems that I have been hired as a sort of consultant to the elderly clients on what to do with their finanaces. 

Now I am not licenced that I admit, but of late from time to time my husbands old firm gets a client who wants to make drastic changes which could hurt them, in some cases with my help, I've discovered that undue influence has been put on these clients.

Of course when that happens the trustees are called as well as the police and things are straightened out very quickly. 

My position is to determine if such influence is being exerted upon them, since many of the clients know me, they are more willing to confide in me than in the younger staff, so when the staffer feel there is something wrong and the clients refuse to listen, they turn it over to me, and what I do is have coffee or tea for them as well as water, some little bisquets which I say always helps to keep the blood sugar up and I simply chat with them.

I take my time, my little office that I was previously renting for my own use, has at my late husband's firm cost, been made into a sort of living room, with a view, but no drapes, but comfortable chairs, criss-cross pricilla curtains, watercolors of landscapes, soft classical music, even an electric fireplace with an old fashion mantel clock.  The client forgets they're in an office but have the illusion of being in one's home.

I act as hostess, and we'll chat about family and things and then it comes out.  And almost always someone is influencing them, or in some cases showing signs of a small stroke which impieds clear decision making,  now I let the client know that in order to take notes and be clear about their intensions I need to record the conversation and they always agree.   The entire conversation is transribed and the trustees are notified before anything is signed, I make delays to allow action to happen, and the trustees take steps to secure the clients finances.  

So far its been 3 cases of fraud,  and several cases of illness,  I do follow ups on the clients to see that they are well and they have been greatful that I have been able to help them, the ones who were ill were not aware they had strokes or low blood pressure that affected their thinking.

So I have been busy and I feel so useful, even my Diva Darling has helped, sometimes I bring her with me espeically if I know the client loves pets, Princess seems to have a soothing effect on them.

I only receive an honoraium, and the cost of the food, and I still can use the office for my personal investing, the computer is hidden in an Armouir, I even have a book shelf that looks Victorian with old books of familar authors, Dickens, Christie, Mark Twain, nothing that is distressing.

This is where having a living revokeable trust comes in handy my Darlings, espeically if you are up there in age.  Any changes you want to make will cost money, but because of that it forces you to think and slow down.  There have been too many cases where the elderly have been bilked out of their savings by either hired caregivers or alleged friends who are not, or unscrupulous relatives.  If need be create it as a trust, with trustees to help prevent you from being left penniless.

And now Darlings, Juanita and I are going shopping, the pantry is bare, her son-in-law Manuel is working on the garden and her daughter is cleaning the house, while the baby is playing, but I think we'll take Princess with us to prevent any accidents.  And we'll have a nice sit-down dinner and chat, so much to catch up on and it is a sort of day and evening to just relax.

Until Annon Kisses Darlings

Of things being a little out of sequence

Darlings,

Sometimes it doesn't pay to look over what was postings but got accidently saved as drafts, and they got published.

Please remember if you read them they are from 2008 and 2010,  not 2013.

Although my friend Michelle has asked me to go with her to Lake Tahoe in August,  a trip I am looking forward to.  So she will take the train up from L.A.  and then taking the train to Reno staying the night there and then a chauffered limo from Reno to Lake Tahoe, courtsey of a friend of hers.  

All I can say Darlings it is not only what you know but also who you know.

By the way I was asked how old is Juaunita, well she married young, and is about 57 to my 66, but even I worry about her health.   Her daughter Constance is now working part time because she wants to care for her youngest daughter but Constance and her husband Manuel have also helped me out.

But I fear for the day when Juanita may not be able to help me with the house, but she said to not worry about that, even she is a planner.

Must go my Darlings,

Kisses.

Updates so much to catch up with

Hello My Diva Darlings,

Yes, yes. Where HAVE I been, well pretty much all over, visiting family, traveling with my friend Michelle, repairs to my home and pretty much taking care of things.

So much so that I've really haven't had a time to blog. But I plan to post some things soon.

Did any of you catch the opening film video for the London Olympics'. The Queen herself as the latest James Bond girl. Who said she doesn't have a sense of humor. The Dear does, she just is not vulgar about it, but I think that this story premise did tickle her sense of humor.

After all the Darling did her duty during the War (WW II) her family never left London and stuck it out through the bombings. And that takes courage. Even in one movie the James Bond character says he does it for "Queen and Country".

Did you see Daniel Craig's (the latest James Bond) tiniest reactions---you seem to sense that even he can't believe it---he is acting a scene as the iconic 007 character with Her Majesty. I just love it and have saved it onto one of my flash drives. As they say "You Go, Old Girl!"

I've been putting together a number of posts and saving them onto my flash drives and will most likely post a lot of them at the same time.

Right now I've been watching the market with all its volatileness but only to see where the general trend is for long term investing.

With the corn crop an absolute disaster it is guaranteed that food prices will go up, right now I'm finding excellent deals on meat and poultry so Juanita and I are stocking up and dating the frozen foods, with the knowledge that when we re-stock it will be higher.

And because we use a certain amount of ethanol or corn additives I would not be surprised to see fuel prices going up.

Mitt Romeny's visit to Israel is a very interesting and calculating move, something that might gain him the vote from the Jewish voters if they view him as a friend but it also sends a message to Iran that he could have a "Hawkish" administration.

This election that is coming up is see-sawing, but frankly I'm not too hopeful about Obama, his administration has not been the best, but it is possible that we are focusing in the wrong areas to make a final determination. I wish to keep women's freedoms via the Democratic party but there are somethings that the republican party is promoting, so the question is which devil is the best, I really do wish we had a third candidate that was a combination of the best of these two, but I even don't see that.

All I can say Darlings is vote with your head and with logic, not with your emotions, I think we'll know better if they have a debate, and I hope that will happen, most likely in September or October. If they don't then we will have a problem of deciding.

Now about family and friends---my family is doing fine, one of my nieces is expecting a baby, which may arrive near Christmas, so we are all excited, my dear friends are all well, Kenneth is busy traveling for his company, and Keith has invested in purchasing a rental property that he is in the process of fixing up, one apartment unit at a time.

Keith has some very elderly renters who live in upper units and since there is no elevator he has approached his tenants about shifting around to accommodate the elderly, so far everyone seems to be comfortable with the idea, especially about making it as part of the rental agreement. He is looking into eventually installing an elevator which will be costly but he feels that it might help with the value of the property and he's looking into grants for it.

Ralph is comfortably ensconced in his new apartment. Juanita and her family are all doing well, her granddaughter is having fun with her side business and trying to go to school I've offered to help offset some of her schooling costs.

My Ladies who Lunch are all doing well, two of them managed to get better jobs and on the whole things are looking up for them, but as always it is a struggle, one has to fight for each penny.

Princess my little 4 legged Diva Darling just had her vet check up and is in excellent shape, she just visited the Doggie beauty shop yesterday and is all pretty.

Myself, well I am heir to all the plagues and fortunes that maturing age brings to me, but I keep active and interested in life which is important.

And right now my friends Betty and Bill are coming to pick me up we are going to our local Art and Wine Festival and see what items are up for sale and what wines are being offered, I may make a few selections.

And that is what all you Diva Darlings should do, enjoy life, you can do it even without spending a lot of money, look around see what is free or next to nothing in cost. Use your imagination and ingenuity and you can find life can be wonderful even in these difficult times.

Until Anon, Kisses Darlings

Riding the Roller Coaster~~~~

Hello My Diva Darlings,

Now it is the beginning of September and where HAVE I been?

Visiting both of my brothers and taking a wonderful trip to Lake Tahoe.

I first enjoyed my younger brother’s country house on the lake, up north (not at Lake Tahoe); it was a wonderful reprieve although not as warm as expected, but lovely just the same.

Princess and I had been taking a lot of walks around my brother’s property, well I was walking and she wanted me to carry her, not that I blame her, she is such a tiny thing.

But it’s been fun to watch her and my brother Tom’s dog Smokey interact, she just bosses him around and he takes it. And then after an exhausting day of fun in the sun they fall asleep together.

With all the building and re-landscaping, they’ve made sure about having what is called a “defensible” area. Although my sister-in-law, Lois, insists on planting red geraniums for color and it’s looks wonderful.

It does have the look and feel of the Ponderosa; they hunted for a modern stove that looked old fashion and found Elmira products, and they are just wonderful. The kitchen has everything one could need and still look old fashion, including a farmer’s stone sink, and a chopping block that one would see on the T.V. series.

Although among the furniture it’s not an exact replica of the Ponderosa but as my sister-in-law says bit by bit they will get there.

Out of the dinning room area as well as the better bedrooms on one side, one has a fantastic view of the lake, my brother made sure that it was a little longer than the one pictured in the series, so that two comfortable chairs could look out onto the lake while indoors.

On the other side a view of the mountains and forest that is just as pleasing.

My brother also had a deck built on the back to enjoy the lake and mountain views in the evening but out of sight when one comes up on the road.

My brother and his wife are planning to move here permanently, get away from the hustle and bustle of the big city, although they do plan on getting a pied a Terre in the City, like my other brother, just a one bedroom, small but comfortable, that way if the children come to the city they have a place they can go to.

I asked Tom if now was a good time to sell his house and he replied “No time is a good time to sell” When they bought their home some years ago it was very reasonable, and even now they will still get a very good price for it, enough to pay off what is still owed on their country place and buy the planned pied a Terre. So he will come out ahead.

Although he does sympathize with people who have low incomes their difficulties in home buying, “It’s the American Dream to own your own home, but it’s a nightmare now for almost everyone except the very lucky or the very rich.” He pointed out that Juanita’s children are very lucky to have their homes, and that they were able to re-finance them, but he asked “Why doesn’t Juanita buy her own home?” I couldn’t answer that, I hadn’t thought that maybe Juanita would like to have a place of her own to call home and I was both embarrassed and ashamed that I had not thought of that, I felt that she was content with the current arrangements, so I resolved to ask her as soon as possible.

He did suggest that if one is moving out of state and has a house to sell and the market is slow, to lease it out through a reputable agent, that way if an offer is made for the house at the price one wants they can do it, the new owner can finish out the lease. By doing it that way the agent is the one who has to deal with emergencies and make sure the house is in good condition when vacated.

We were looking at the Stock Markets crazy ride and what Standard and Poor’s has done, and could only shake our collective heads.

When I returned home, I had a chance to have dinner with my friend Wallace and his wife Sherry, and the consensus between my brothers, Wallace and myself is this, ride out the “roller coaster” and not to panic. I have been doing that and I always factor that as long as a certain amount is available I can always pay the bills, taxes, buy food and medicine, anything extra I slot over into a savings account for just in case.

If you feel very anxious then do a 50/50 mix of stocks and bonds, but depending upon your age you can start with a 80/20 mix of stocks to bonds ratio, as you approach middle age then go to 60/40 but it all depends upon your comfort level.

If you are young but prefer staying with the Treasury’s’, CD’s or savings account then it means a lower interest rate which means you’ll have to work longer, save a lot more and have less to live on when you retire.

I have a mixture of Stocks, Bonds, CD’s, Treasury and the old standby savings accounts, as I do not put all my “eggs in one basket” it’s a big mistake to do that.

Remember what happened with those that trusted Bernie Madoff. And I look at stocks that will withstand the long haul, and I make sure that that it’s not concentrated in just Europe or Asia, be sure you’re spread around.

A little gold in an exchange-traded fund is fine but only if you have bought it at a very low rate, with gold climbing to the $2,000 level I’m not sure it’s a good investment at this time. Some real estate investments trusts or (REIT’s) are fine just be sure to check them out.

But no matter what, My Dear Diva’s, a cash reserve for emergencies is important---plan on at least 3 but even better 6 months of savings, to cover your rent, bills, food etc. for any job loss, medical emergencies or even when the Stock Market faints, until things recover. Although my “Ladies Who Lunch” tell me that the minimum of 1 year’s savings is by far the best, considering how the economy is going and I am inclined to agree with them, this is a very, very bad economic situation.

Just remember if you have 50 dollars in your saving account you’ll always have 50 dollars in a FDIC-insured account but if you have 50 dollars in your bond fund brokerage account there is no guarantee, because it could become $45.00 tomorrow.

My Father always said it’s hard to go against the crowd but that is how the House of Rothschild did it. And even the legendary “Witch of Wall Street” Hetty Green did it, her motto was “Buy cheap, sell dear” or buy low sell high, which means that if one is very astute buying stocks can be a fire sale right now, especially if you buy the right stocks.

I have systematically contributed to my 401(k) and by doing that have reaped the rewards of the upswing in the stock market in the last few years. I will buy stocks that are on sale but by doing it through my 401 (k), IRA and my other retirement accounts it’s far better than shopping for individual stocks.

Manage your portfolio by sticking to a balanced, diversified mix of stocks and bonds, and do not try to time the market, you will come out better in the long run, do not run in fear towards gold or cash when things dip or over buy, in better times, stocks, you will be just following sheep and you my Dear Diva’s are not sheep.

On stocks as I recommended before, go for something that no matter what, the consumer will need, what I call my “Mac and Cheese” stocks. I mean no matter what children and adults will always want Mac and Cheese, or John Deer Tractors, or Tires etc. Find out who is the holding company, check out their ratings and how well they are doing, even with a slow growth rate if they are weathering this bad economy then they are the ones to buy.

And now for something completely different----

I visited my older brother down in Santa Barbra, he sold his house in the Santa Barbra hills, the fires that they had made him too nervous, and he has paid off his house with a wonderful view of the Ocean on the beach. “I don’t have to worry about beach erosion” he said in an oblique reference to the condo’s that are just south of San Francisco that are in danger of falling off the sandy cliffs.

Of course he has his Pied a Terre in San Francisco for when he travels up for business, and his wife Diana can shop till she drops(and I do love her). They sold off most of their collection of paintings and antiques, only keeping a few that are their favorites at their beach house.

It was relaxing in Santa Barbra, we went to a few Summer Fund raising events, but watching the Ocean is hypnotizing in its own special way. One of my nephews’ and his family came to visit as well, it was good seeing them and we all made plans to get together for the holidays.

My great-niece Cynthia (aka Cindy) has discovered Etta James and Dina Washington on CD and begged me to take her to this music store in town to see what one could find, realizing that I had nothing by these two artists I was able to pick up two Etta James CD’s and suggested to Cindy a CD of Julie London that had her signature tune “Cry me a river”.

Then it was time to return home, so driving Ms. Wicked I enjoyed listening to Etta as I and my little Diva Daring, Princess, drove up 101, then flipping over to 880 and home.

Juanita elected to stay in my home while I was off vacationing, taking a day here and there to visit her children, but I made arrangements with my friend Ralph who had been burned out of his apartment, he still hasn’t found a good place to stay and is just staying in a studio apartment that he’s sub rented on a month to month.

Anyway Ralph was happy to stay at my house for a week while my friend Michelle swooped me up to Lake Tahoe in a friends’ private jet. That way Juanita could visit with her oldest Grand Daughter in Los Angeles and have fun in Disneyland.

I know Dahlings---A Private Jet??!!! Well why not! Michelle had a friend who needed to fly up to Tahoe to conduct business and offered to take Michelle and “a friend” (Moi) for the long weekend, it was a beautiful Falcon Jet, off white cabin interior with pale beech wood trim, the most comfortable seats, and we could conduct business on the plane if we wanted to.

It was good seeing her again, so off we flew on a Wednesday morning, landing at the Lake Tahoe airport, it had been years since I’d seen it and it has improved so much. A private Limo was waiting for us to take us to the MontBlu Resort and Spa and while we were there enjoying the beauty that is Tahoe we enjoyed a Gatsby weekend at the Valhalla Arts festival, with Friday a Gatsby Dance with the Tahoe Dance Band, followed on Saturday by Murder Mystery Radio Theatre with a local play titled “Lights! Camera! Murder!” about murder at Lake Tahoe 1920’s style, wine and hors d’oeuvres included, we finished off on Sunday with a Gatsby’s tea on the lawn of the Valhalla hall, that included a fashion show of vintage clothing just right for a 1920’s summer.

It was more than enough for a vintage fashion maven like Moi, I felt that I was back in the Lake Tahoe of the 1920’s and the money’s to go to the Tahoe Heritage Foundation to help preserve Lake Tahoe history and those locations that could easily disappear if they were not saved.

We also contributed to the Tahoe Youth and Family services organization, although we could not attend their Gatsby Gala, we felt it was a very worthy cause.

But all too soon our Gatsby fantasy came to an end and by Tuesday afternoon we winged our way back home and reality, Ralph was just fine taking care of the house and Princess (she couldn’t come on the plane) and she was terribly spoiled by Ralph. Ralph was going to stay at another hotel for a week, until he could line up another apartment, he still preferred month to month until he could make up his mind where he wanted to stay.

Juanita returned as well saying she needed to rest from her Disney Vacation. I could only laugh at her remark. Princess was happy to have her “Mummy” back home.

And “Mummy” also needed to rest from her vacations as well. Michelle stayed with me for the week so she could rent a car and visit her family in San Francisco, then she flew back to L.A. over the weekend. I’ll miss her company, we had so much fun catching up and enjoying everything. But I HAD to get back to going to the gym and my walks with my little darling, not that I’ve gained any weight, as a matter of fact my clothes are a little loose, but I know the holidays will start putting on the pounds again---can’t be helped.

After I got my head back to reality, one evening I had a chat with Juanita about the possibility of her owning her own home, I was surprised when she said “I am home Senora, I’m with you, where would I find a home with a beautiful view with the birds, where I work is only steps away, I have my own comfortable room, I make meals that we both like, and little Princess to play with. My family know I am safe, I can call them anytime, they are like family to you. When I am too old to work, then I move in with Constance, by then the children will have moved away and she will be lonely…or not…I have both things, for that I am lucky. You are ‘La Senora’ I am Juanita, but we do things together and you are very kind to me and my family, many of my friends they are not so lucky and are treated badly, but you … you see me…you see my happiness and my pain…but you do what you can to ease my pain…your family they are kind to me, you always see that I have plenty of time with my family, so why do I want to buy a home? I am home.”

Well that left my head spinning, she was fine with the way thing are, all I could do was hug her. And with that we had fun watching a tellanovella that we both enjoy.

The Labor Day weekend is here and I suggested to Juanita to spend time with her grandchildren…I mean I’ll be fine for the few days she’s gone, and she does love seeing her family. There are a few local events that I and a few friends are going to take in, or I might “vegetate” for the whole weekend, sleeping in is such a delicious thought although my little 4 legged darling might have different ideas. We shall see.

So what is this post all about??? Well Darlings, first an update (and I was bragging a bit), but also what to expect when the Stock market goes insane, just hold tight is the best thing, and thirdly, if you are going to have fun make sure it’s a tax right off as well. You’ll get more “bang for the buck”.

Until Anon, Kisses Darlings.

A Quick Update

Hello My Diva Darlings,

I am back and have not forgotten you.

Family and Friends are all doing fine, including Juanita's family, the grandbaby is growing so fast, and my little Diva Princess is still on her little doggie job.

The months have flown by so quickly, my ladies who lunch still met on Thursdays, and we still have our once a month get togethers, we've settled on my Home which is not much of a burden on me, and since my house is centrally located its much easier for all.

Of late we have been talking about if it is possible to live without using a credit card. I have to laugh for a long time, certain pundits have been talking about a "cashless society" but it seems that the economy has forced people to give serious consideration to "cold, hard cash" as a way to be frugal.

As I gather more information, I will eventually look into how one can be a diva without using the credit card and post a blog on it.

In the mean time my Dears look over what I have posted previously to "glean" from it ideas on how to live with using your credit card rarely.

Until Anon, kisses Darlings.

Do you Like the new Design?....

Hello All you Lovely Diva Darlings,

Do you like the new web page design? I do. I felt that it was time for a change and Blogspot offered it.

And change can be a good thing. Sometimes change is something you do, sometimes it's something that is forced upon you. For some people they are afraid of change, which is something I can understand.

There is a book that all you Darlings should read it's called "Who Moved the Cheese" and it's all about change. It will show you how you can make change work for you or to at least understand change and deal with it.

There are some things that I simply will not change, I have an old fashioned rotary phone. I have it in my living room because it is period correct for the retro style, but in my personal office at home I have a push button phone because many businesses require you to "push buttons". No matter what I still prefer to talk to a live person, which I make every effort of doing. But I still need that push button phone.

We have become so caught up in modern technology that it is stressing us, so it is important to carefully chose what technology you want in your home and in your work.

But with that comes a price, increased fees and rates, greater stress, lack of personal contact, and lack of simplicity and privacy.

But if you are a business, you need to be out there, many established businesses are on Facebook and My Space to advertise what they are doing and to keep a certain fan following. From a business point of view I can see that, it makes sense.

I know of a number of people who are on Facebook, I chose to not be one of them. Why? Because it moves too fast, the next thing you know you have friends on your page that you have no idea who they are and the world moves very fast---must like if you miss 5 minutes of that T.V. program "Lost". Of course I could never follow that program anyway.

My dear friend Mean Kitty said to me one day "Being on Facebook is like having your e-mail on crack, too hyper." and she is right. But I may consider it someday, if it's the only way to be in touch with family and friends.

Now what have I been doing? Relaxing and re-evaluating things, doing work on my home, enjoying being an adopted grandmama and enjoying the cool summer that is finally upon us.

I've recovered from my kidney surgery and am doing well, Princess and I are enjoying our walks. My ladies who lunch and I still meet, now we are talking about affordable vacations.

Juanita and her family are all doing well and so are my family and friends, oh there are some minor ups and downs, like a dental appointment, or the car is not running properly, but on the whole doing well.

Of late though I've been following the financial pages and I am very concerned about the moves that a number of banks, Bank of America included, that are going to do to charge people for having a checking account. Watch that very carefully my Darlings, and if you don't like what your bank is planning find out how you can avoid those fees or find another good and solid bank.

Some banks will not charge fees if you have direct deposit, so if you have several checking accounts have your company payroll deposit a little something into each account, even if it's only $10.00 per paycheck, it will do. And the beauty of it is that it forces you to save, so consider that.

Keep up with reading the financials we are not out of the woods and may never be.

Yesterday in the early evening I took a nice long walk with my little Diva Darling and although it was windy I enjoyed watching the waves making white caps on the water and all the para gliders who use these kites to surf on the waves, there were so many of them that I thought it was a race of sorts, but I found it so relaxing and entertaining.

Also of late I've been looking into places to stay that accept small pets, they do charge a fee, but for me I feel that it's worth it.

Now I must go, I'm driving over to my brother's today, he is having a Bar-B-Que with his children and grandchildren and my other Brother and his wife will be there, they finally found a nice little pied-a-terre in the City and close to BART as well.

It will be so nice to see them all and have a "catch up" with them.

Until Anon Darlings, Kisses.

Happy 2010 Darlings!!!

Hello Darlings, Hello!

I am so sorry for not having posted for so long, but my Dears, the Holidays have been a very busy time for me.

I'm getting together a list of reading materials for all of you to help start your Diva year right financially speaking of course.

I'm still having my "Ladies Who Lunch" weekly meetings in the City and now once or twice a month on Sundays we have our get-togethers at my home, not everyone can attend so it's sort of a rotation, if one of our Lunch Ladies cannot meet on Thursdays they try for the Sunday get togethers.

And we have a lot to share.

So over the next few days or at least by the end of this week I hope to have several postings up for you to read, one of course will be "How I Spent My Holidays" (Sorry Darlings, remember I am vain).

And one or two will be about the financial information.

Even though the weather and rain has been rough, the feeling so far is optimistic among people. With the attitude of being leaner and meaner they intend to plough through 2010 with determination.

Of course for those out of work, it is desperation, and with the stupidity of the EDD not sending out those claim forms for those out of work, it makes it harder for all.

Tax Time is coming up, so do refer to my earlier Posting on what to keep for your tax information.

And again this month make it your Goal to get Organized with your financial papers and your work and home situation. I'm not talking New Year's Resolutions, I'm talking Goals and stick to it.

So refer to my earlier postings and follow though on it.

Must Go Darlings, I have to get to my "Office" this morning

Until Anon Darlings, Kisses.