Tips On Staying In Style In This Economy

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Tips On Staying In Style In This Economy

Anna Hessel offers common sense ideas to save money in these inflationary times

Editor’s Note: Anna Hessel with a little help from hubby, Wes, have been offering up 10 tips a week on How to Stay In Style In This Economy. Thanks Anna, we need all the help we can get. Next week will be the last week of her suggestions. Watch for it next Tuesday, but right now here are their suggestions for this week.

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

  1. Online survey sites can bring in some money. Even the legit sites sometimes have bad surveys that don’t pay, but overall, there is money to be made. You won’t get rich but a few extra dollars can add up over time.
  2. Side gigs can be fruitful but make sure to factor in things like gas and supplies to ascertain that you’re actually making a profit.
  3. Use your interests and hobbies to make money. If you bake great cookies or are a crafter, rent a table at a flea market or craft show to sell your wares, or sell to friends and co-workers. Check local ordinances before hand for any requirements.
  4. Old-fashioned side jobs like babysitting, grass mowing, car washing, errand running, etc., are not just for teens, these days.
  5. Check state treasury departments or the equivalent to find out if anyone owes you money in unclaimed property like lost accounts or credits. We found insurance and utility companies that owed us refunds…
  6. Event venues, places with concessions like pools or sports parks, and restaurants sometimes offer discount food near closing time.
  7. Summer time can bring free movies in the park, free outdoor concerts, or free splash pads for hot days…
  8. Try homemade options such as making a scrub from sugar or salt and olive oil or honey – it’s great for dry skin, cellulite, or crepe skin. Apple cider vinegar, baking soda, or baby lotion added to bath water can have spa-like benefits.

Don’t Be Afraid to Ask for Help

  1. Many people are eligible for government-subsidized (most often free) cell phones with service and/or internet – more than you would think. See the FCC site (https://www.fcc.gov/general/lifeline-program-low-income-consumers) or other government websites for details.
  2. Apply for energy assistance if you’re at all eligible, and ask your utility companies if they have additional programs to help with your household fuel costs, such as budgeting options or discounts for using energy-efficient appliances.

Work in Progress-Setting Up the New Studio

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Setting Up the New Studio 

Work in Progress

Setting up the new Calamity studio

The guys have been busy sweeping, mopping, and cleaning out the area for the new Calamity News Studio. They have been working almost tirelessly getting the big unveil ready for the viewing public. There’s a lot more hard work in front of them, but there is light at the end of the proverbial tunnel. Stop by for a visit and see the progress.

Tips to Stay in Style in this Economy

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Staying In Style In This Economy

Anna Hessel offers common sense ideas to save money in these inflationary times

Editor’s Note: Anna Hessel with a little help from hubby, Wes, will be offering up for the next seven weeks, 10 tips a week on How to Stay In Style In This Economy. Watch for it every Tuesday.

How to Stay in Style in this Economy…

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

 

Save Me…

Saving money in this current economic climate can be a bit of a challenge, but there are certainly ways to shave your budget without losing out on things you need and want:

  1. Take advantage of after holiday or seasonal clearances. I buy toys, non-perishable gifts, clothing, and decor items for the following year at significant discount.
  2. Extended warranties on electronics and other major purchases can be worth the nominal costs. Check the ratings on the warranty provider to see how good (or bad) their track record is, and read their terms and conditions carefully. While it isn’t always the case, good companies are out there. We recently noticed two small white dots on the screen of our TV, which showed up no matter what program source – the extended warranty refunded our entire purchase price on the television. Suddenly, those two dots are a lot less bothersome…
  3. Check out the numerous travel discount sites, but choose a well-known or at least well-rated one to protect yourself. My husband and I saved big money on a whirlpool suite for our anniversary.
  4. Discount movie theaters with second run films are a source of entertainment at a fraction of the cost of first run films. Of course, streaming services are a great value, many offer a free trial week or longer, or discounts upon sign-up for a specific period of time. Streaming that is commercial-supported can offer even more savings.
  5. Take advantage of gift with purchase offers or discounted collections in department stores for cosmetics, and politely ask for samples.
  6. Beauty schools for haircuts, manicures, pedicures and the like are often cost effective, and the work is overseen by the instructors.
  7. Clearance cosmetics are fine as long as you check expiration dates and don’t buy open items.
  8. Your own at-home hair color, mani-pedis, and facials can work just fine. Choose quality products and that does not always mean most expensive ones – do your homework to compare…
  9. Watch carefully if buying cosmetics and toiletries in dollar stores or other deep discount outlets – many are made in China (PRC) and are not regulated. (Even major big box stores may carry these products, and some are better known brands.) Don’t sacrifice safety for savings. Food items made in China also are not regulated, and safety is in question.
  10. Clearance racks are great places to find deep discount apparel (or other items, as well). You might need to trim a thread or sew a button but it’s worth it. Remember there is a big difference between fashionably distressed and a mess…

Reduce, reuse, repurpose, and recycle to maximize savings and stay in style…

 

Simplify Your Way to Wellness

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Simplify Your Way to Wellness

Reduce stress and improve life

Simplify Your Way to Wellness

Getting rid of things taking up too much space in your home and mind and you will regain calm and improve your health

By D. S. Mitchell

I was flipping through a four-year-old Prevention magazine waiting for my name to be called at the women’s clinic when an article caught my eye. I’m a retired RN and I love finding articles about health and wellness, and tips on how to improve everyday life that I can pass on to my Calamity News readers.

According to this 2019 article by Kate Rockwood, more than half of the country’s population felt “lonely” and “40%” were more anxious than the previous year.  Wow, I thought to myself, this is all pre-COVID-19 information. I can only imagine what the loneliness statistics are today, off the charts, I’m sure.

Ms. Rockwood tells the reader that mental states such as anxiety and loneliness can affect us physically as well. Anxiety and loneliness can increase cortisol levels. Elevated cortisol levels have been linked to an increased risk for heart disease, type 2 diabetes, and obesity.

Outside of seeing a therapist, she suggests the following.

Get Busy.  Smart Phones, Zoom,  PC’s and other technologies are great, but such technologies cannot replace in person interaction. Join a garden club, a book club, or volunteer. Volunteering 2 hours a week results in decreased loneliness and social isolation. Check out volunteermatch.org for local opportunities that fit your interests and skill set. Set a regular lunch date with an old friend. Touch, hug.

Organize Anxiety. To keep “worries” under control start by jotting down specific worries that are stuck on repeat. Then set a specific time to focus on that list of “worries”.  This little trick can help keep those “worries” from hijacking your brain at unwanted times. When the scheduled time to focus on the “worry” list comes around it is possible that the worries are no longer an issue.

Sweat Shop. We all know that physical exercise is important for good physical health, more and more evidence support the notion that physical exercise is good for mental health as well. Thirty minutes of walking can equal the effect of medication or psychotherapy at lifting mild to moderate symptoms of depression.

Clearing the Environment. Environmental disorder can seriously increase our stress level. Studies have linked cluttered environments to decreased self-control and increased anxiety. Pros suggest that you do not try to tackle the whole house at once. Start with one messy area of your home. Snap a before picture. Set the timer for 20-30 minutes. Begin straightening and cleaning. I find it best to start in one corner and just work my way around the room. When the timer dings force yourself to stop for at least 10 minutes, or the whole day if you feel like it. It is imperative to swap open ended cleaning sessions for a specific time window. It is far less overwhelming. Comparing the before photo to the post cleaning picture is solid proof that a little effort can make big dents in seemingly overwhelming projects.

Move Things Around. Want to lose a few pounds, take on a kitchen redo. Hide the cookie jar and bring out a bowl of fruit for your table’s center piece. In your panty move healthy staples like nuts, quinoa, to the front of eye level shelves and put unhealthier snacks and sweets on the top shelf where they are harder to see or reach.

Return to a Former Passion. Re-engaging with an activity you once loved-a sport, an instrument, a hobby-can bring you fun and and new people into your life.

Change it Up. Consider pursuing that sport or hobby in a more social way. An example could be, you as a life long gardener, take a neighbor under your wing and teach her the joys of working in the garden.

Reconnect.  Do you find yourself reminiscing about old friends? If you do, it  may be time to reach out to them (social media is a great resource) and attempt to reconnect. Sometimes it will be like you never had a disconnect, in other instances there will be no re-blossoming of the relationship, but you made the effort and that’s the important part.

I hope you found a couple of tips to help undo the side effects of stress in your life.

Vaccine Basics: The Truth About Vaccines

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VACCINE BASICS

The strength of the anti-vaxxer movement in the U.S. is dangerous to the public health.

Vaccine Basics: The Truth About Vaccines

The Chinese were using inoculation over a 1,000 years ago in an attempt to protect people from the scourge of small pox. Those early physicians would make a scratch on a person’s arm or leg and then rub fluid from the pox pustules into the broken skin. Another method involved blowing infected dust from scabs into the nostrils of a healthy individual. The first record of an injection of a weakened form of small pox was by a British physician, Edward Jenner, in the 18th century. 

D. S. Mitchell

An Army

Any regular reader of this website knows that I am a retired RN. And as such, health and wellness issues are an important part of the information I share on this site. The COVID-19 pandemic brought out an army of anti-vaxxers, led by a-holes like RFK, Jr. There’s a guy despised by his family and recognized world wide as a “nut cake,” but even someone as despised and discredited as Kennedy has followers. Just because his dad was famous and cool does not mean he passed any of that charisma, intellect, or personality on to his children, particularly junior, in this case.

A Veritable Quandary

I don’t understand it. During my life time vaccines have nearly caused us to forget the severe outbreaks of “childhood diseases” including polio, tetanus, hepatitis A and B, rubella, mumps, whooping cough, rotavirus, smallpox, measles, and more. Vaccines save money. If you don’t care about the human cost, there is the financial cost of infectious diseases on our country. The CDC estimates that inoculation against measles has saved the United States $295 billion in hospital costs and $1.4 trillion in societal costs over a 15 year span, according to an article in the August 2020  Prevention magazine, by Jennifer Wolff

Whatever

Fear, misinformation, and superstition are all drivers of the anti-vax movement. Because of all the screaming and hollering and the threats against Dr. Fauci, I thought now might be as good a time as any to provide a short refresher course on what vaccines are and what they are not.

Continue reading

Tips On Staying In Style In This Economy

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Staying In Style In This Economy

Anna Hessel offers common sense ideas to save money in these inflationary times

 

Editor’s Note: Anna Hessel with a little help from hubby, Wes, will be offering up for the next seven weeks, 10 tips a week on How to Stay In Style In This Economy. Watch for it every Tuesday.

How to Stay in Style in this Economy…

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

 

  1. Dare to compare – check your cell phone, hotspot, or internet plan to see if you’re getting the best buy. “Unlimited” plans maybe more than you need, such as for cell phone data – check your account on the provider’s website or app for your usage history, or call their customer service if you can’t locate it to find out what you are really using.
  2. Dare to compare, part 2 – check other providers for the service to see if there’s a better deal. For instance, if you have an unlocked or otherwise compatible phone, see if another vendor would get you more for your money. If your device isn’t unlocked, talk to your provider to see if they have an unlock program – more are making one available, but it might not be advertised. Also, the conversation you have with the customer service person who you’re asking might get you to a unpublished plan that is better than you have but is only available for their personnel to save your business.
  3. Dare to compare, part 3 – when is the last time you checked to see if you’re getting the best buy for your insurance plans? How about the best deal (be it less fees or higher interest) at yout bank? (And alternative online institutions which offer checking/debit card or savings account equivalents, such as PayPal or Chime, may be a good place to try…)
  4. Discount drug cards or services can be very helpful for filling prescriptions – sometimes they are even cheaper than insurance prices…
  5. If you have Medicare, look into advantage plans – depending on your personal situation, they can get you benefits you don’t already have or improve the ones you do, all potentially at little or no additional cost, maybe even save you money. Be cautious as some hotlines/brokers are oriented toward one or two particular providers they work for, but shopping around is worth it.

Don’t Discount the Discounts…

  1. Save with coupons – they still exist in paper form, not just online. Although super couponing is no longer popular, any money saved is worth the clipping. Many grocery stores have coupon dispensers in the aisles or otherwise available by the product(s) they’re for. Ask for rainchecks if sale items are out of stock. In addition, grocery clearance can also be a great way to reduce your food costs but be very cautious of expiration dates and packaging. Dented cans and taped food boxes or containers are not worth the risk.
  2. Look for package deals – be they the $5 or $6 “bundle” at your favorite fast food (good for the occasional treat) or retailers (online or otherwise) who sell a group of related items for a potentially lesser overall price. But caveat emptor (let the buyer beware) – sometimes such groupings actually cost more, particularly if their are parts you wouldn’t use or care for.
  3. Join loyalty programs and/or download loyalty apps. They often have incentives for signing up, and many offer a birthday or even anniversary gift. Paying for some loyalty programs also can pay off in free shipping, discounts, and perks. If you are not familiar with the program or app, check their ratings online – there are some who call for extreme hoop-jumping or are there to get your private information…
  4. If you shop online, try cost comparing services through Honey, Capitol One, Amazon, or the like – in addition to immediately looking for a better deal elsewhere on a item you are interested in, they can monitor the price on a wanted product and let you know when a good buy is available. They also can have reward program benefits, too…
  5. Pre-buying can make for major savings; services like Groupon can really make a difference, but always read the terms and conditions carefully – there can be requirements that may make it less advantageous or even unusable for you.

The Before Episode

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The Before Episode

The Before Episode

Well, Bill and Dave are busy today working on setting up the new Calamity News and Politics studio; more space, better lights, better equipment. All around a much better situation. There’s a lot of stuff that’s gotta go before they can bring in the new, however. Unfortunately, Bill is the one that’s doing all the physical work, while Dave gets to talk about all the work that’s going on, due to a recent injury. The guys thought it might be fun for folks to watch them set up their new space.  The plan is for the studio to be ready no later than September one. Thanks for watching and come back soon.

 

8 Reasons To Keep Working After Retirement

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Working After Retirement

Research shows that working after retirement is good for the mind, the body, and the pocketbook.

Research shows that working during retirement is good for the mind, the body, and the pocketbook

Keep Working After Retirement

Here are 8 Reasons to get a job after retiring

D. S. Mitchell

Measurable Benefits

Working after retirement, seems like an oxymoron, but that isn’t necessarily true. Just because you are no longer practicing your primary career doesn’t mean you should walk away from all money making endeavors. Part-time, free lance or consulting work, volunteering- doing that something you always wanted to do. A friend of mine, who worked for UPS for years, does wedding and anniversary photos as his new side hustle. Another friend works for a home health care company and does light housekeeping chores for several elder clients. I write freelance articles. I always wanted to be a writer; well now I am. Working can add to your retirement satisfaction and give your  life structure. And there are of course, the financial benefits of a paycheck. After a bit of thought and research I’ve come up with eight specific reasons a retired person may want to consider re-entering the job market.

  1. Researchers have concluded that working helps maintain good mental health.  Do not presume this is just because those with better cognitive health are better able to work. There is a particular benefit noted by researchers when the retiree switches to a different type of job than the one held prior to retirement. That benefit comes from learning new things-known as “novelty processing.” Novelty processing appears to slow cognitive decline. Who doesn’t want to stay sharp?
  2. Having a regular paycheck is a powerful means to increase the money available in retirement, without drawing down your savings, and it gives you an extended opportunity to save. Remember, you are not out searching for some high power position, with a six figure salary and every benefit ever imagined. Earning just a small portion of your previous salary will make a significant difference and substantially improve retirement security.
  3. Transitioning to part-time or even volunteer work, doing work unrelated to your prior career appears to be associated with fewer physical disabilities and declines and overall better cognitive health. University of Maryland researchers linked a post career job with fewer major diseases and functional limitations.
  4. A recent Harvard study found that retirement well-being depends on having good quality relationships. Folks who seem to enjoy retirement the most are those who replaced old work relationships with new ones. Working, whether full-time, part-time, or as a volunteer creates an environment for new interactions that can potentially develop into those new quality relationships.
  5. Finding a sense of purpose for living after retirement is critically important. A ‘little job’ can be a motivator to get you out of bed everyday. A common theme researchers hear is the need to find meaning and purpose-continuing to work in some capacity is a great way to achieve that sense of purpose, which in turn makes the retiree feel younger and more connected.
  6. Retirement allows the retiree the time and opportunity to help others. Volunteerism is one great way to ward off depression and provide inner satisfaction. That sense of well-being disappears quickly once volunteering stopped, according to recent studies from the UK.
  7. Work at what you like. Often our careers don’t match our passions. So as you think about re-entering the labor force, focus on fun and challenge. If you love to garden, how about a part-time position at the local nursery? Make sure you are spending time with people you like; in an environment that matches your hobbies or interests. Getting involved in activities you enjoy and care about can bring you in contact with new people you have things in common with.
  8. Every store in my little town has a “HIRING” sign in the front window. According to the Labor Department, there are 9.6 million job openings today in the United States. With such a severe worker shortage finding a job to better your life should be relatively easy, plus you would be helping a local business (and thus your community) that is struggling with staffing issues.

Making Cannabis Edibles

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Making Cannabis Edibles

Making Cannabis Edibles

Dave and Bill are here at the Calamity Politics studios and they are talking today about making cannabis edibles. I’m a big fan of cannabis edibles and I use RSO (Rick Simpson Oil) to make all my delicious edibles. Bill is the weed man and knows his shit. The great thing about RSO is that there is none of that weird weedy aftertaste, plus you don’t need to make any special changes to your standard recipe. So sit down and take a couple minutes to learn about making cookies, brownies, and gummies.