Just a Little Advice

dog-1713341_640Whenever you make a purchase take a look at the bottom of the receipt, or the back, for the return conditions.  Many stores have a short period of time in which to return the item.

I purchased four 9V batteries a month ago from my local 99c store to replace the fire alarms in my home.  I had to wait for my daughter to come by since I am not able to get up on the ladder to do that.  When she arrived she told me I only needed one battery.  The other alarms were good for a year.  So I decided to return the unused three batteries. I had no other use for them right now. And as I live on my Social Security every penny is needed.

I took them back to the 99c store and was told that the return time had expired. However they would honor it this one time.

When I looked at the sales slip for the items I purchased that day I noticed that the return policy was printed at the very bottom of the slip in tiny letters.  I had 9 days to bring any item back for credit.  NINE days!

I received credit for them in the form of a printed receipt which gave me a store credit for $3.27.  However, I must take the store credit within 9 days.  I had already checked out with my current purchases and wasn’t planning to go back quite that soon, but will, to take the credit.

So, check that receipt! Stores vary and you may have to research their policy.

How Marlene’s Necklace Affected My Jewelry Making

Marlene-necklaceI belong to a group of ladies who meet once a month for brunch and to exchange the books we have read and pass them around. We originally began meeting to discuss our yearly trips to the library for family research in Salt Lake City. Four of us, Pam, Ruth, Kay and I were avid genealogists and made the trips each winter along with a few other friends. Kay has since passed away, too soon, and the three of us no longer make the trip to Utah although Pam is still involved in finding her ancestors.
It’s been a long time since those days, and as our small group grew in numbers the book exchange was the next step giving us a reason to meet and compare our activities. There are now up to 9 of us who meet, but often there might be 7 or less each month. I am, no doubt, the oldest of the group. One lady who was older recently passed away in her sleep. But I have a story to tell about her and her necklace, and how it affected the necklaces I now make.
All the ladies know that I make jewelry and I wear a different necklace to each brunch gathering. One day Marlene asked me if would make her a black necklace and I said, “I’d love to.”
Marlene couldn’t describe exactly what she wanted, but knowing her, I thought I could create something she would like. I had some beads in mind and I put together three different short length bead patterns with alternating black and silver beads. She chose one and I made the necklace and gave it to her. Needless to say, she was delighted and wore it many times. However, it broke. Beads fell all over the floor. She and her daughters collected as many as they could find and gave them to me. I made a new necklace for her at no charge. I don’t remember what she paid for the original necklace. I had offered it to her as a gift, but she insisted on paying me.
That experience made me think that if that happened to one of my necklaces, it could happen again. And indeed it did. One necklace broke while a friend was looking at it. That is not good.As any necklace is worn there is friction on the clasp as the necklace is put on and taken off. The friction rubs the small wire and wears it away. I finally found what I think will help to keep that from happening to the necklaces I now make.
I use a very tiny metal guard that holds the wire and keeps the clasp away from direct contact with the wire. The horseshoe shape guard prevents that friction so the movement of the clasp doesn’t erode the wire. All necklaces are susceptible to wear and tear, but this guard makes it less fragile.
The guard is very, very tiny and it is a bitch to put the ends of the strung beads together. My hands often shake, making it a tedious process, but I do it now for every necklace I make. Some of my necklaces are long enough to easily pass over the head, but not all. So the guard is used on those.
I think that what I do is a reflection of how I feel about the jewelry I make.

http://mizmlu.etsy.com

ASTROLOGY

I have been a casual follower of Astrology for as long as I can remember. I learned early in life that I was a Libra and investigated the characteristics of that sign as I grew up. I liked what I found. It seemed to fit my thoughts, feelings and actions. I now had a reason for my behavior. I could blame my activities on something other than just “I felt like it.”

As I grew older I researched the Zodiak signs of my friends and family . What a revelation! “So that is why she did that.” Lots of things made sense instead of confusion. I accepted my friends for who they were. Their personalities were bound, in some ways, by their astrological sign.
It also made sense to me when it came to the friends I was attracted to, or others who “turned me off”.

My blog requires that I investigate the 12 signs and their features each month. I enjoy the research. I do not seek out the signs of my current friends. I take them as they are, but sometimes I wonder why they do what they do, or don’t do.

This month’s sign is Sagittarius and I found it fascinating. I don’t know if any of my friends were born under this sign and I don’t care. It’s not a factor in the friendship.

Maybe you will find the characteristics of your sign in my blog during the year. I hope that you will enjoy the jewelry I have chosen from my collection that is right for your sign. Who knows, you might become curious about the sign you were born under and want to know more. Your computer is filled with Zodiak information. Have fun with it. But don’t take it too seriously.

http://mizmlu.etsy.com

Managing Your Passwords & Keeping Them Safe

Education is the best protection against computer infection.

My very talented daughter, Circe, has just created a handy book in which you can keep your computer site passwords. The title is “ Keys to the Door” and there are 2 sizes. One is letter size, 8-1/2”x11” and the other is 6”x9” titled “Handy Keys to the Door”. Both books contain the same information and are easy to use and keep safe.

These books were created as a companion to those who understand the importance of computer security. 17 pages in the larger book have several lines and spaces for the date, e-mail or website, user name and password. She recommends you write in pencil so changes can be made easily. Spaces are also available in which to write the answers to your security questions.

The book she gave me is beginning to be filled up. I can now dispose of the bits of paper and scribbled notes I can hardly read, much less find, and locate my password book in seconds. I entered my passwords alphabetically so it is easy to find the site I want. I put 2 letters, more or less, on each page. If you prefer you could enter yours by subject matter. The choice is up to you.

Circe is well qualified to produce these books. She is an experienced computer security advocate as well as a speaker on this subject and other computer information. Her membership in Toastmasters allows her to educate her audience on many subjects. Her speaking biography can be seen on the Qualified Speakers of District 52, Toastmasters website: http://district 52speakersbureau.com/qualified-speakers-of-district-52/. The website for her computer security information is http://malwaretruth.com.

NEWLY PUBLISHED! Password Keeper books. On Amazon
http://bit.ly/keystothedoor

A New Scam, beware

Just when you thought you’d heard it all . . . .

This scam is actually very clever. This one could easily slip by most anyone – beware of people bearing gifts. The following is a recounting of the incident from the victim:

Wednesday a week ago, I had a phone call from someone saying that he was from some outfit called: “Express Couriers,”(The name could have been anything) he asked if I was going to be home because there was a package delivery for me that required a signature . The caller said that the delivery would arrive at my home in roughly an hour, and sure enough, about an hour later, a uniformed delivery man turned up with a beautiful basket of flowers and wine.

I was very surprised since it did not involve any special occasion or holiday, and I certainly didn’t expect anything like it. Intrigued about who had sent me such a gift, I inquired as to who the sender was. The deliveryman’s reply was, he was only delivering the gift package, but allegedly a card was being sent separately… (the card has never arrived!)

There was also a consignment note with the gift. He then went on to explain that because the gift contained alcohol, there was a $3.50 “delivery verification charge,” providing proof that he had actually delivered the package to an adult of legal drinking age, and not just left it on the doorstep where it could be stolen or taken by anyone, especially a minor.

This sounded logical and I offered to pay him cash. He then said that the delivery company required payment to be by credit or debit card only, so that everything is properly accounted for, and this would keep help in keeping a legal record of the transaction. He added couriers not needing to carry a bunch of cash, would make them less likely targets for robbery.

My husband, who by this time was standing beside me, pulled his wallet out of his pocket with the credit/debit card, and ‘John,’ the “delivery man,” asked my husband to swipe his card on a small mobile card machine. It had a small screen and keypad where Frank was also asked to enter the card’s PIN and security number. A receipt was printed out and given to us as our copy of the transaction. He then said everything was in order, and wished us good day.

To our horrible surprise, between Thursday and the following Monday, $4,000 had been charged/withdrawn from our credit/debit account at various ATM machines. It appeared that somehow the “mobile credit card machine,” which the deliveryman carried now had all the info necessary to create a “dummy” card with all our card details after my husband swiped our card and entered the requested PIN and security number.

Upon finding out about the illegal transactions on our card, we immediately notified the bank which issued us a new card, and our credit/debit account was closed.

We also personally went to the Police, where it was confirmed that it is definitely a scam because several households had been similarly hit.

WARNING: Be wary of accepting any “surprise gift or package,” which you neither expected nor personally ordered, especially if it involves any kind of payment as a condition of receiving the gift or package.

Also, never accept anything if you do not personally know or there is no proper identification of who the sender is.

Above all, the only time you should give out any personal credit/debit card information is when you yourself initiated the purchase or transaction! Pass this on, it may just prevent someone else from being swindled.

http://www.snopes.com/fraud/sales/express.asp

How to Survive a Heart Attack When you are Alone

heart attack

HOW TO SURVIVE A HEART ATTACK WHEN YOU ARE ALONE??


Since many people are alone when they suffer a heart attack, without help, the person whose heart is beating improperly and who begins to feel faint, has only about 10 seconds left before losing consciousness. However, these victims can help themselves by coughing repeatedly and very vigorously. A deep breath should be taken before each cough, and the cough must be deep and prolonged, as when producing sputum from deep inside the chest. A breath and a cough must be repeated about every two seconds without let-up until help arrives, or until the heart is felt to be beating normally again. Deep breaths get oxygen into the lungs and coughing movements squeeze the heart and keep the blood circulating. The squeezing pressure on the heart also helps it regain normal rhythm. In this way, heart attack victims can get to a hospital. Tell as many other people as possible about this. It could save their lives!! A cardiologist says If everyone who sees this post shares it to 10 people, you can bet that we’ll save at least one life. Rather than sharing jokes only please contribute by forwarding this info which can save a person’s life..


SHARE AFTER READING

Must Have Book

BOECoverOLKindle

Must have book if you are thinking about opening a shop on Etsy, the world wide million $ site, to sell your creations or vintage items. This 51 page book, “Be An Etsy Seller” was written by two Etsy sellers who have experienced all the things you need to know when joining the Etsy community and have described them in detail. They hold your hand as you are walked step by step through the process. Joining Etsy is free. Putting your creations up for sale costs 20 cents per item and is listed for 4 months. Then if it hasn’t sold it can be re-listed for an additional 20 cents. All aspects of selling are covered, such as shipping, processing time, charging tax if necessary, how you want to be paid and many more subjects that other instruction books don’t cover. They are even in the process of creating a Spanish language version, coming soon.  To obtain this remarkable book go to

http://www.amazon.com/dp/B00CRB6NUQ

Visit my Etsy shop at www.etsy.com/shop/mizmlu

Be an Etsy Shop Owner!

Are you a passionate artisan who believes your handmade items could be sold but don’t know how?  My daughter, JP, and I have written an easy to follow step by step 51 page book to lead you through the process of opening an online shop on a site called Etsy.

Etsy.com is the fastest growing craft sellers marketplace WORLD WIDE!  You can be part of it with our instructions and business tips not found in any of  the Etsy books out there now.  We lead you through each step with detailed  instructions.   Everything is covered and explained.  Both of us are Etsy shop owners and have encountered problems along the way that we share with you so that you are aware and can avoid or resolve them.

There is no bidding as on Ebay.   You make an item, take a photo of it, and list it for sale.  Following our instructions, we show you how to place your item for sale and collect your money when someone buys it.

A Spanish language version will be available soon.

You can buy our book now on Amazon for $9.99 using this link:

http://www.amazon.com/dp/B00CRB6NUQ 

OR contact me at HowToOpenanEtsyStore@gmail.com and pay with your card through PayPal and I will send you a pdf copy.   (California residents only $10.90).

You won’t be disappointed, you’ll be a business owner selling your great crafts, vintage items or supplies through your very own Etsy store!