Tag: #Wes Hessel

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.

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.

Stay In Style In This Economy

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Stay In Style In This Economy 

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. I keep a small empty lotion container to drain the last dregs of creams into. Give it a good shake, and you have a new lotion mixture to keep skin smooth.
  2. Turn lights off when not in use for more than a minute.
  3. Vacuum refrigerator coils every so often to increase efficiency, and save on electricity. Also, clean your furnace or air conditioning vents for improved flow (again saving energy and cost), and change the furnace filter as recommended to help there, too. Make sure those air outlets are not blocked or covered for even better savings, unless it’s for an area you use less or little.
  4. There are products on the market to freshen clothes between wearings. A clothes dryer after sponging with a damp wash cloth is a great way to refresh clothes, and add extra life to garments but these are not substitutes for regular washing or dry cleaning. An old fashioned sponge  dampened can keep your wardrobe looking pristine. I don’t recommend a refresh more than a couple times between laundering – you don’t want to seal dirt or odor in the fabric…
  5. Buy a good used sewing machine to repair, repurpose, or recreate garments, linens, curtains, and the like.
  6. Opt for refillable or reusable items, such as pitchers to filter tap water instead of buying bottles from a store – this can save money and help the environment.
  7. Less waste packaging can also improve an item’s cost – less overhead for the company; look for vendors who pass this savings on.
  8. Avoiding red meat is not only great for animal welfare, your health, and the environment, it can be more economical to have a more plant based diet…
  9. Consider your home space – do you really need as much as you have? The tiny house movement, or downsizing in some form, is advantageous in many ways, such as less energy consumption, more time for family/ourselves and pleasure pursuits, and, of course, the lower costs…

You Better Shop Around…

  1. Utilize deferred no-interest payment plans like PayPal’s Pay in 4, After Pay, or Klarna for major purchases to save on paying credit card or other interest. Or just save up – it’s worth the effort…

 

How To Stay In Style In This Economy (#2)

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How To Stay In Style In This Economy (#2)

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. Jewelry and clothing rental sites can be great but read the fine print before you give your credit or debit card number. Monthly or additional fees can add up to make it un-cost effective.
  2. Look for electronic or other recycling events that offer gift card or coupon incentives, or retailers who offer discounts for trade-ins.
  3. For those who pay for your garbage collection, make choices which will keep that bill down. Check with your waste pickup agency or provider for tips on how to save, especially for “amnesty” days, where more or any items are taken for disposal, or special collection days such as for leaves in the fall or live Christmas trees after the holiday, thus avoiding extra fees. If you have bulky items to trash and an amnesty day is not available or far away, see if your refuse service allows one or two extra items for pickup without additional charge, and if you have multiple items, then you can put them out over more than one collection date to save.
  4. Check the curbs on trash nights, and especially on amnesty days, for usable items you may want – one person’s trash is another one’s treasure. Just make sure your municipality or area does not restrict this.
  5. Use outdated yogurt, or past their prime fruit or vegetables like avocados as face masks or skin treatments.
  6. Used coffee grinds are great for cellulite body treatment – if you don’t use your own, Whole Foods had been giving them away for free to anyone that asks.
  7. Used book and music stores can buy your used books, magazines, CDs, video games, or other related electronics, and items purchased there are likely cheaper than retail.
  8. Shop at garage sales – save money while meeting your neighbors or host a garage sale to make some extra funds. A bit of gas spent traveling to upscale area sales if you don’t live in one is worth the trip to find special bargains on designer duds, toys, or housewares.
  9. When using health and beauty items like liquid soaps, shampoos, conditioners, or lotions, turn them upside down (if the container isn’t already designed that way) to get as much as possible out of what you buy. If such an item won’t stand on its head on its own, prop it up against a wall or the like, or place it in inverted in a cheap plastic cup or other container large enough to hold it.
  10. Squeeze more out, literally – for items in tubes, such as toothpaste or creams, use a comb, the side of your hand, or one of those squeezing gadgets to press through the last dregs…

Facebook, AI, yi, yi

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Facebook, AI, yi,yi

Facebook

Facebook would rather cover up, deny, and deflect than fix inherent problems.

Facebook AI, yi, yi

By Wes Hessel

Facing IT

One of the largest trends in technology today is that of “Artificial Intelligence” or AI. The Merriam-Webster dictionary defines AI as “a branch of computer science dealing with the simulation of intelligent behavior in computers.”

Predictive Models

Facebook intends to connect with our brain waves

Facebook intends to literally connect with our brain waves.

The idea of bringing technological “thought processes” closer to human thought pattern isn’t a surprising goal. In particular, to aid companies in  handling repetitive tasks. But, more deeply, companies want to use a predictive modeling approach, to statistically glean an anticipated decision, occurrence, or reaction. Imagine a virtual coin toss. Statistically, how many times out of 100, 1000, 10,000 or ten million will a flip result in a heads or tails outcome? Or, that you will order a Marguerita, not a Tequila Sunrise.

Fuzzy Logic

A “fuzzy logic” algorithm evaluates the truth values of variables. It is employed to handle the concept of partial truth, where the truth value is measured across a range. Standard logic indicates completely true to completely false. Such “fuzzy logic” and other similar algorithmic programming methods are being used in many aspects of our life.  It is used from traffic management (be it vehicle, data, or human) to security (physical and virtual) to that “smart speaker” sitting on your table.  One place most of us (at least it seems) encounter such “machine intelligence” is with the king of social media, Facebook.

Book ‘Em, Mano A Mano…

Often simple thinks like posting and sharing are made difficult due to FB AI procedures.

Simple procedures like post and share are complicated by FB artificial intelligence platforms.

Parts of our interaction with others through Facebook are “one-on-one” connections – Messenger and so on; others are more like broadcasting, such as the classic “Post” and “Share”.  But behind those various communicative methods are multiple “back office”-type operations. Artificial intelligence systems and similar procedures are used more and more to do things as “easy” as suggesting your friends “Tag” up to these complex structures. For example, such structures are designed to help security people keep social medias safe, monitoring for prohibited language, identifying illicit bots, hacking, or illegal enterprises.

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A Taxing Season Til April 15th

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A Taxing Season Til April 15th

April 15th is fast approaching

April 15th is only a month away. I find myself  wondering if I should attempt to do it myself or just call a CPA.

April 15th, Looming Large

In case anyone has forgotten, income tax returns are due in just over a month. April 15th is looming large, as they say. It is not that www.calamitypolitics has that many deductible expenses, but that is only because I haven’t figured out how to deduct my daily double Caramel Mocha or my mani-pedis. Maybe I should consult Ivanka on that.

To Deduct, Or Just File Away

Sorting, ironing and filing

I have been busy, sorting, ironing and filing receipts, getting ready for tax deadline

Over the last week, I have been sorting, ironing and filing receipts. Typically I toss most of my Calamity Politics tax receipts into my car’s glove box. I find if I crumple up every receipt really small I can fit a lot of them in the glove box. Any overflow goes in to the bottom file drawer in my home office. The only problem comes at the end of the tax year when I have to get out the ironing board and iron those crumpled receipts flat.

Tax Year and a Standard Year

My son keeps telling me there is no difference between a ‘standard year’ and a ‘tax year’, both are 365 days long. Well, I don’t believe it; I see it as just more government distortion. It feels as if the tax year is actually 9 months long, or 270 days. It is like a time morph for the muddled, and the disorganized.  I’m sure this phenomenon is a real knee-slapper for those at the IRS. The government’s artificially shortened year, combined with the recent tax changes has admittedly added to my tax preparation anxiety.

Call a Friend

I figured I am not the only one with tax deduction stress so I called on my friend and fellow writer Wes Hessel to come up with some help for me and other befuddled American tax payers. Check out what he learned and is now sharing with us.

D. S. Mitchell

A Taxing Season Til April 15th

By Wes Hessel

Facing The Inevitable

They say that only two things are certain: death and taxes; while some may prefer death over doing their taxes, there are gratis resources that can avoid your considering 1040 to be a four-number word.

Land Of The Free

A Google search for “free tax help” (YSRMV – Your Search Results May Vary) yields multiple options for Federal tax return tools that are credible:

https://turbotax.intuit.com/

https://www.taxact.com/

https://www.taxslayer.com/

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