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GREETINGS

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FALL FOILAGE NAILS

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GRANDFATHER MOUNTAINS, NORTH CAROLINA



My friends might say I'm obsessed with
fingernail polish.I have always played with
non- traditional colors and designs. In the
seventies, I could only find primary colors.
I would mix colors together to create new
shades. Simple colors were boring to me.

I used glitter nail polish for my top coat
because it added pizazz to boring nails.
I also discovered that glitter nail polish
helped my  nail color last longer without
chipping. My rubber gloves prevented
my nail polish from  chipping after
I washed  my dishes.

I finally gave up on fancy nail designs
because my designs never looked great.
Polka dots and colorful glitter nails were
the only designs I could do well.

I recently spotted a young lady with three
colors on her fingernails. I thought this
was a great idea with unlimited potential.
I began to mix and match fall colors on
my fingernails. I pledged to wear at least
different three fall colors until after
the Thanksgiving holiday.



Here are my fall nail …

ALLERGY CHASER!

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123RF.com





It's almost allergy season again. I used 
to suffer from minor sniffles and stuffiness when I was a young mother. Now I have developed most of the textbook allergy symptoms during the spring and fall seasons. 

I have over the counter pills and capsules for  those rough days of itchy eyes, irritated nose, and sinus pressure.
I find strong allergy nasal sprays and nasal rinse pots disgusting. But I have friends  who swear by them.  I say, "To each is his own! "

I enjoy using Home Remedies and Naturopathic remedies also. I prefer 

them if I am able to start this treatment before my symptoms excerbate. They
work well and I  don't have any side effects from them. I will buy a sterile
saline solution from a dollar store
for convenience sometimes.

Here are my "go to" treatments for minor allergy and sinus symptoms:






Saline Nasal Spray for sinus pressure:

This a cheap and convenient remedy. 

My 90 y.o neighbor only uses saline for 
all of her sinus and allergy problem…

THE MEDICARE MAZE GAME!

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I became age 65 in 2016. I did not know reaching age 65 would make me so important to insurance companies.
My mailbox became flooded with letters, brochures, MEDICARE booklets from every health insurance company known
to man or woman.  I even had a couple 
of fast talking insurance agents show up at my door. They claim that they wanted
to explain MEDICARE BENEFITS to me.
Of course, I didn't let them in my house. 
I told them to leave because I didn't
transact any business with door-to- door!  

It's 2017 and apparently I'll be bothered by MEDICARE AGENTS this year too.  I had to get rid of an agent yesterday.

I suddenly recalled my mom calling often to complain about getting numerous calls from MEDICARE AGENTS. They were trying to get her to sign up with them.

I told her to hang up immediately!! A few
even knocked on her door. She knew better than to let them inside.











I learned a few do's and dont's from listening to Seniors at the Senior Center
that I go to every week:


DON…

IT'S A FREEBIE-RIGHT?

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Beware of websites offering freebies and 
samples. Especially if you have to pay for
shipping and handling. I fell for this trick
and ordered a new skin care sample. I got the 2 oz sample and wasn't impressed. The company started mailing me 2 oz  products every month for the skin, wrinkles  and eyes. I didn't authorize
any of this. I was puzzled  because the  shipping  label didn't have company name on it. I decided to review my checking account. There was two charges for $89! My bank suggested I cancel my debit card to prevent further charges. I refused to pay shipping and handling to return these products. A lesson learned for these $89,  2 oz bottles of junk. The Internet had several Seniors complaining of  lots of unauthorized charges for this skin care product.

I also stopped ordering samples because some companies wanted too much personal information. Your birth date and phone number can be used by hackers. My email started being cluttered with
SPAM (unsolicited emails).…

B.Y.O SENIOR ACCOUNTANT

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I remembered the song, "It's A Hard 
Knock Life" from the Broadway play 
Annie recently. I got a "hard knock" 
as a result of being lazy. I did not monitor my checking account regularly. This task is boring and a nuisance.

Even if your bank has staff trained in fraud detection, bad things can happen beyond their control. Fact is, no one can keep up with my "frequent shopping miles" better than me.

LESSON LEARNED: 


MONITOR MY CHECKING & CHARGE ACCOUNTS DAILY!!


MY PENNY PINCHER CHARGERS


My bank called me on a Sunday morning because they noticed $2 charges from Florida! A hacker was testing my account to see if my bank would allow his small dollar transactions to go through. The bank clerk said the hackers began to transmit large dollar amounts if the small ones go through. I assured him I was not Florida. He immediately cancelled my debit card to avoid further hacking.

I often partake in Value Menus at my 

local fast food restaurants.  So, my checking accou…