Monday, July 17, 2017

B.Y.O SENIOR ACCOUNTANT




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 account has lots of dollar amounts under $10. This is why I need 
to pay close attention! I make sure all 
of those small charges and fees were made by me. Some hackers could have their scamming dollars mixed in.


STRANGE CHECKING ACCOUNT VISITORS!


My friend's checking account was hacked for 6 months without her or her bank noticing. The hackers had fun and made  transactions totalling $7,000. This hacking would have continued until her debit card
denied a charge when she was out shopping. She  was alarmed because her pay check had just been direct deposited.

Another friend was traveling in Europe didn't take the time to monitor his checking account. The hackers had made $15,000 of transactions before he or his bank noticed.

Their banks worked with both of them 

and law enforcement was notified of 
the fraud/hacking.  They were blessed
because their banks said that most customers are usually responsible
for fraudulent transaction over $500. These horror stories really frightened 

me. Now I make sure I monitor all of 
my bank accounts daily . I check for transactions from unfamiliar stores or
purchases I know I didn't make. I keep 

all of my receipts and don't discard them until I verify them in my bank accounts.





Thursday, July 13, 2017

SENIOR LADIES DON'T PHISH!


http://galleryhip.com







I believe in sharing information.
Especially information that will 
help fellow senior ladies stay as
savvy as possible.  We senior 
ladies also need to be savvy
about computer scams and hacking. 
I am not computer tech savvy. But,
I have been the victim of computer scamming and hacking. So, I have 
learned a few lessons that will help 
me avoid being a victim in future.

I DON'T GO FISHING!











There are  criminal minds who love
to phish ( pronounced fish). They
send me fake email addresses and

spams messages. They really need personal information about you from 
your computer. Their ultimate goal is 
to steal money. I never open e-mails
I receive in my spam in box. I just delete all of them every day. 




PLEASE HANG UP ON ME!
 



 

I've seen and heard too many horror stories about seniors being scammed

on the phone. I don't talk to strangers 
or telemarketers on my phone. I hang
up the phone immediately. Some are scammers who are fast talking wolves. There are also robocall scams now. 
The voice tries to get you to say, "Yes"
to there questions. Then the system records your response and uses it to
make it sound like you agreed to their service. Some of the robocalls try to 
get personal information from you to
use for identity thief. Some seniors 
have received unexpected charges in
their bank accounts.

I visited the following websites for

more details on these issues:


http://www.webopedia.com/TERM/P/phishing.html


https://en.wikipedia.org/wiki/Phishing


http://www.aarp.org


FEATURE STORY: 

PROTECTING YOURSELF:
Profile of a Scam Victim

http://www.nbcnews.com


FEATURE STORY:

Tips for Fighting ‘Can You Hear 

Me Now’ and Other



Monday, June 12, 2017

MY SENIOR LADY SURVIVOR RULES












I think I have come to terms with aging now. I exhaled and learned to deal with it.  I had a long talk with my older girlfriends and realized I was not alone. I went into my prayer closet, had a pity party, and came out a better woman.  Aging does 
not mean I'm not intelligent and have no value in this world.  Some young people have needed my wisdom and advice. 
I cherish each birthday and changed my priorities. I realize happiness is a loving relationships with the Lord, my family, 
and my friends. Some of you senior
ladies might feel like saying, "I feel you!"
I've had some of the same issues". Should I believe, the saying, "You are as young as you feel?"














I have found some coping mechanisms.

I meet with girl friends often and we have
a laugh-in. We discuss all of the senior
moments we've had during the week. 

I have visited a few websites for senior women and they discuss aging gracefully.
Some of their advice on aging was good.

Please visit this blog for my :

https://seniorladieskeepingitreal.blogspot.com

" MY SENIOR LADY SURVIVOR RULES"




 

Friday, June 9, 2017

SENIOR LADY AGING GRACEFULLY!






 SENIOR'S BIRTHDAY CAKE!




There are so many things my friends didn't tell me about getting old!! There
is an echo in my mind. My mom said, 
"You laugh at me now, but you'll get
old one day!" Of course, I thought she

was just old and wrong! Well, I've had 
to apologize to my elders! 






I laughed when she said, "Turn that music down!"She wasn't satisfied until the music was so low, I doubt my dog  hear it! Now, I abhor all loud music! It seems that average music volume is piercing and irritating.  I even have to cut my own music down in the car sometimes. I admitted to mom that now I understand about the music. 






I used to laugh at my aunt  who had
cotton in her ears on cold and windy 
days. I would tell her, "Please take that cotton out of your ears!"I thought she
was acting "county hick".  I apologized
to her because now I see why she used the cotton.I found out the hard way about cold or windy weather.  I got a terrible sinus headache because the cold air and
wind went in my ears.  





 http://www.ebay.com

I wouldn't dare use cotton in my ears 
as a remedy. I bought some cute ski ear warmer headbands to wear on cold or windy days. I have to save my fashion savvy reputation!









 


I thought that getting dressed would be a breeze now that I am retired. I recalled when I multi-tasked with dressing my kids, fixing their breakfast, and  putting on makeup before going to work.  I couldn't multi-task now if you paid me.The old trick, walking, rubbing your head, and chewing gum at the same time would be an ordeal for me. As a matter of fact,
it takes me longer to get ready to go shopping or to go to church now.  I have so many things to check on. I discovered
that I make a mess if I rush. My blouse make be on wrong or I may leave stove on.  I understand now why I must put keys, remote, and cell phone in  the same place
everyday.  I smile now, when I see seniors with a shopping car at checkout with only one item in the cart.








www.youtube.com



I've seen some older men with huge ears and an affinity for suspenders and plaid and striped clothes. I don't feel sorry for the men any more. My senior lady friends and I, have our own aging issues! I've noticed too many older women with moustaches and creepy skin. I had to come to terms with aging this year. It

takes time to cover up and enhance
aging body parts!  I didn't seem to notice things "going south" until I reached my 60th birthday. I guess I was in denial.
 






My aging has left me with  unforseen
health problems.  I develop a new allergy  monthly. I was heartbroken when I recently became allergic to shrimp and hair color.
Hey, I declared I would color my hair until I turned 70! I'm 60 and my mom is 80. She has pretty grey hair but I was not ready to look like her grey haired sister! I have dyslexia now, so, I THANK GOD for spell check! Boy did I have a wake up call. There are a lot of things that happen to  aging bodies that's inevitable!!




Wednesday, May 24, 2017

SENIOR LADY SHEER COMFORT!












I discovered years ago that wearing sheer fabric provided comfort during the summer.  One summer the trend was wearing a sheer print dress with a
matching sleeveless dress as a liner. 
I really loved this style because the dresses had pretty print designs. My
week-end shopping trip was successful.
I bought two dresses in leopard print 
and navy floral print.  Unfortunately the liner dress frayed after several washings.  I recycled my sheer dresses. I used the print dresses as a house dresses after
the trend went bye-bye.

The next summer, I decided to look for sheer blouses and tops for the summer. 

I already had plenty of tube tops to wear underneath. I was disappointed in the
sheer blouses available in the department stores. I only found a few of them in solid colors which were too fancy for casual attire.

Believe it or not, I found a variety casual
blouses and tops at thrift stores. They were available in pretty colorful print patterns.  Every year, I am able to add

to my collection of sheer blouses and tops.

I found lots of sheer blouse this year

in several sizes. Some I kept and others
I featured on ebay:
 (Member id purplesellerabundantfinds)

Here are images of the sheers I found 
this year:




























Sunday, April 30, 2017

SENIOR LADY COOLING IT!










I couldn't seem to find any clothes
that helped me stay cool when I went through menopause. That period of my
life is over now-Thank God! I still hunt 
for COOL and comfortable clothing to wear during the summer.

My mother and I used to argue about which clothing was cooler in the summer. She like dresses and skirts. I liked sheer blouses and Capri's.  Now that I am a hot
senior citizen, I agree with her. Dresses and skirts do seem cooler. I do not want

to hear mom say, " I told you so."


I browsed in several department stores
in the early spring. I had trouble finding
my style of summer dresses. I also
searched online and didn't find a wide
selection to choose from either. My main problem was finding dresses that were long enough and had short sleeves. 
I avoid sleeveless, above knee dresses
with plunging necklines. I felt like was
I was on a scavenger hunt! Was I looking
for a diamond in the rough?!


Here are some dresses on my wish list:


















































Friday, April 28, 2017

SENIOR LADY GREEN THUMB?!







I began gardening on a small scale after numerous food recalls.The recall on lettuce one summer made me mad! I was thinking, try to grow your own vegetables.
At least I would  know where they came from and that they were pesticides free.

There is one vegetable I can grow

successfully every year, lettuce! I buy lettuce seeds called Black Seed Simpson  from a dollar store @ 4 packs for $1.00.
They do quite well in simple sink dish pan. The Black Simpson is a leaf lettuce. I have a pan full of lettuce leaves in about 30-50 days. This lettuce can be sowed in a garden plot. I prefer the container method on my porch. I can avoid bending in the hot sun harvesting lettuce.

I do buy red sail and romaine lettuce from garden center. These are also planted in dish pans.I buy a 4 pack of each type of
lettuce. I plant them in dish pans also.


Here are the items I need to get started:



Seeds



PLASTIC DISH PAN



POTTING SOIL







WATERING CAN




I make holes in bottom of the dish pan then add potting soil. I sprinkle seeds 
all over the soil. I cover the seeds with
thin layer of potting soil. Then I water
soil gently to  avoid disturbing the seeds. 
I make greenhouse by taping clear plastic over top of the dish pan. I place dish pan on my porch out of direct sunlight after last danger of frost has passed. In about two weeks weeks seedlings appear. I thin out  seedlings after they reach 3-4 inches, so lettuce has growing room. My lettuce gets 4 hours of full sun. I water it every other day in the morning.



BLACK SEED LETTUCE SEEDLINGS






I harvest the outside leaves after they reach 6-7 inches for best flavor. I leave
the center leaves so lettuce can continue to grow. This variety of lettuce is hardy enough to grow in the winter too.
I usually sow more lettuce seeds in the

fall so I'll have lettuce all winter. Consult YouTube if you want tips for growing lettuce in a garden plot.






BLACK SEED LETTUCE READY TO HARVEST





Friday, April 14, 2017

SENIOR EASTER CRAFTER!









WOULD YOU LIKE TO MAKE AN  EASTER SCRIPTURE HOUSE WITH YOUR GRAND KIDS? PLEASE VISIT:

https://seniorladieskeepingitreal.blogspot.com

Friday, March 31, 2017

SENIOR LADY COFFEE QUEEN!




Senior Ladies save money and be you own Barista. Try my flavored coffee recipes.  Visit:  

https://seniorladieskeepingitreal.blogspot.com/2017/03/senior-lady-barista.html


Thursday, March 30, 2017

FRUGAL, THRIFTY, WHATEVER!!











My senior lady friends and I hate 
that we have to struggle to find out valuable information to help us live
more efficiently. Most of us are living 
on fixed incomes so, we want to save money any way we can. We love coupons, senior discounts, department store sales, and day trips.



I am sharing links to places we use to
save money. Some stores may not be 
in your state or may be known under different name in your area.  Please 
share any links you use promoting 
networking and senior sisterhood!





2017 LIST OF SENIOR DISCOUNTS
( MAKE SURE STORE STILL HONORS SENIOR DISCOUNT. STORE POLICIES 
ARE SUBJECT TO CHANGE AT ANY 
TIME)



https://www.theseniorlist.com/2017-list-senior-discounts-restaurants/



http://www.seniorcitizenjournal.com/senior-finances/senior-discounts-list/



 

STILL WORKING, WANT TO HUNT FOR SENIOR FRIENDLY JOBS:




http://www.aarp.org/aarp-foundation/our-work/income/back-to-work-50-plus/



https://www.linkedin.com/





HEALTH ISSUES & HOME REMEDIES



https://aarp.org/

http://www.prevention.com/

https://www.peoplespharmacy.com/

www.webmd.com/

  

FEDERAL RESOURCES FOR SENIORS:





https://www.eldercaredirectory.org/federal.htm




ALSO FEATURED ON:  


https://seniorladieskeepingitreal.blogspot.com/2017/02/whats-on-your-ming.html



Thursday, March 23, 2017

PREVIEW #2







 

PLEASE VISIT, BLOG, SENIOR LADY KEEPING IT REAL. READ ABOUT
SENIOR LADY BRAIN FOOD!


https://seniorladieskeepingitreal.blogspot.com/2017/03/senior-lady-brain-food.html

Thursday, March 2, 2017

PREVIEW








I just wanted to introduce you to my new blog called, "Senior Ladies Keeping It Real!" This blog addresses  issues that are important to senior women.  We are 
an invisible bunch that just happen to be among the living!  Senior  women are concerned with more than their looks 
and aging?  We do care about issues 
like politics, economics, social media, 
and being green!
 
Please check out my blog at:

https://seniorladieskeepingitreal.blogspot.com


Thank you!!

Monday, February 13, 2017

MY SOLO VALENTINE!

2/14/17










I used to dread Valentine's Day after I became a widow.I've matured and have gotten wiser.  I learned to, "Thank God" that I'm alive no matter what day it is!


Valentine's Day is another day I've learned to celebrate whether I have a significant other or not! It's not all about romantic love stories!   God's love for me cannot be surpassed by anyone! This is enough for me to be happy on Valentine's Day.


LOVE SCRIPTURES: 
 


1 JOHN 4:7, 9-10



7 Beloved, let us love one another, for love is of God;

and everyone who loves is born of God and knows God.



9 In this the love of God was manifested toward us,

that God has sent His only begotten Son into the world,

that we might live through Him.

10 In this is love, not that we loved God, but that He loved us and sent His Son to be the propitiation for our sins.


I've been doing the "Solo Valentine" for a number of years now.  I have a list of things that I chose from as part of my "Solo Valentine" celebration:




   ❤   HAVE LUNCH WITH FRIENDS!









   ❤   BUY A SINGLE LONG STEM ROSE!








     
  
 ❤ BUY MINI BOX OF CHOCOLATES!












❤  VISIT MY FAVE COFFEE BAR!