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Excellent advice as young adults leave home and enter the work force, through marriage and into retirement.  Covers all aspects of life’s lessons, savings, money management, taxes, and much more. What to expect at your first job, what you need when you leave home, all the way to how to save for retirement and much, much more.  A comprehensive guide for all ages.  Available at Amazon.com      or

One Man’s Experience With Home Security

A very interesting informative article was just posted on Dick Eastman’s web site.  Eastman’s site is mainly devoted to genealogy information, but this article is about home security and how one man found the perfect solution for his home after a disastrous experience with an expensive system. The security system he now uses is much less expensive, more user friendly and much more effective.  It’s worth a look if you would like to equip your home with a security system that really works.

The URL for the article is


Do You Dream?

I accidentally found a very informative and interesting site a few days ago.  It is called Lifelong Health and the url is

Once you get onto the site you will be hooked.  You won’t want to leave.  There is so much to see there, articles on every aspect of life.  I am copying one here because it is the one that drew me to the site.  It is about dreams.  I dream every night, every time I am asleep and some are disturbing.  They remain in my thoughts long after I waken.  I found the article informative and interesting.   The following is from the owner of the site.

Hi, I’m Lois  Trader

I am a two-time survivor of a life-threatening disease and a woman who has lived through bankruptcy, not only financially but physically, psychologically and spiritually. Now I’m a successful, positive, driven woman.

Being a physically fit woman at 47 years of age, my life was changed in a heart beat. My personal journey of being diagnosed with heart disease and learning to live with it has inspired me to help others who are also concerned about their health. No matter where you are in your journey, let’s work together to live the best life possible.

I’m excited to get to know you here on Lifelong Health. I look forward to getting to know you and learning together.

 Do you remember your dreams? Do you understand their meaning? Do you wish your dream could last longer. Are you the only one who is having long vivid dreams? Below are four interesting facts about dreams.

Crazy dream equals emotion: While it can be hard to believe that an oddball dream about your mother, a circus and a snowstorm can have any bearing on real life, there may be symbolism and potential meaning to be mined in every dream—you just have to look for it, says Harvard-trained psychotherapist Jeffrey Sumber. “The meaning of our dreams oftentimes relates to things we need to understand about ourselves and the world around us,” he says. Instead of shrugging off strange dreams, think about how they make you feel. “We tend to dismiss these dreams due to the strange components, yet it is the feeling we have in these dreams that matters most,” he explains. “Sometimes the circus and the snowstorm are just fillers that allow us to process the range of emotions we feel about our mother and give us the necessary distraction so we can actually experience that spectrum of emotion.”

Tons of Dreams: It’s not just one dream per night, but rather dozens of them, say experts—you just may not remember them all. “We dream every 90 minutes throughout the night, with each cycle of dreaming being longer than the previous,” explains Lauri Quinn Loewenberg, a dream expert. “

The first dream of the night is about 5 minutes long and the last dream you have before awakening can be 45 minutes to an hour long.” It is estimated that most people have more than 100,000 dreams in a lifetime.

Dream after you are awake? After a vivid dream it can be hard to fully wake up. It can be hard to concentrate until you get that dream replaced with reality. Or have you ever woken up from such a beautiful, perfect dream that you wished you could go back to sleep to soak it all up? This is how you can. Just lie still—don’t move a muscle—and you can remain in a semi-dreamlike state for a few minutes. “The best way to remember your dreams is to simply stay put when you wake up,” says Loewenberg. “Remain in the position you woke up in, because that is the position you were dreaming in. When you move your body, you disconnect yourself from the dream you were just in seconds ago.”

Same dream over and over again. Loewenberg suggests looking for underlying messages in recurring dreams so that you can rid yourself of them.
For example, a common recurring nightmare people have involves losing or cracking their teeth. For this dream, she recommends that people think about what your teeth and your mouth represent. “To the dreaming mind, your teeth, as well as any part of your mouth, are symbolic of your words,” she says. “Paying attention to your teeth dreams helps you to monitor and improve the way you communicate.”


10 Things You Can do to Prevent Fraud

There are over 10 million people that are victims of scams every year. Scam artists defraud people across the globe by using phone, email, postal mail and the Internet to trick you into sending money or revealing personal information. While con artists can be clever, many can be stopped by knowledgeable consumers. Here are 10 steps from the Federal Trade Commission that you can take to stop a scam.

1. Wiring money is like sending cash: once it’s gone, you can’t get it back. Don’t wire money to strangers, to sellers who insist on wire transfers for payment, or to someone who claims to be a relative in an emergency (and wants to keep the request a secret).

2. Do not send money to someone you don’t know, including online merchants you’ve never heard of, or an online love interest who asks for money or favors. Do business with sites you know and trust. Don’t send cash, and don’t use a wire transfer service.

3. Do not respond to messages that ask for your personal or financial information, whether they arrive by email, phone, text message or an ad, no matter how professional they seem. For example, Associated Bank will never ask for your account or personal information by email.

4. Do not play a foreign lottery. First, it’s illegal to play them. Second, you’ll be asked to pay “taxes,” “fees,” or “customs duties” to collect your prize. If you send money, you won’t get it back, regardless of promises.

5. Do not agree to deposit a check from someone you don’t know, then wire money back, no matter how convincing the story. If you deposit a check that turns out to be fake, you are responsible to pay back the bank.

6. Read your bills and monthly statements regularly, on paper and online. Scammers steal account information, then run up charges or commit crimes in your name.

7. After a natural disaster or other crisis, donate to established charities rather than one that seems to have sprung up overnight. Visit to learn more.

8. Talk to your doctor before buying health products or receiving medical treatments. Buy prescription drugs only from licensed U.S. pharmacies; otherwise you could receive products that are fake, expired, mislabeled and possibly dangerous. Visit

9. Remember there’s no such thing as a sure thing.
When you hear pitches that insist you act now, promise big profits and little or no financial risk, or demand that you send cash immediately, report them to Associated Bank or the FTC.

10. Know where an offer comes from and who you’re dealing with, including their physical address and phone number. Do an Internet search for the company name and website and any negative reviews. Check the Better Business Bureau at

Bonus Tip: Visit to learn how to avoid internet fraud, secure your computer, and protect your personal information.

The Federal Trade Commission works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them

I’m Curious

I use a program on my Mizmlu’s Creatives site that allows me to see how many people look at my posts and pages and where they are located.  Although the majority of my visitors are in the United States, I have visitors from 28 different countries!  I find that amazing!

The program is Counterize.  It shows not only the number of visitors, but lots of other information such as the number of visitors on each day of the week and each month of the year as well as the time of day.  This helps me plan my promotional messages to reach as many visitors as possible.

The information I get from the different countries is limited but does help me determine the place where they live if I so desire.  For instance, I can tell if someone in my son’s family looked at my blog because the IP shows me their location in Washington State.  The program does not identify the actual person, only the city in which they live.

Which brings me to something that I found interesting.  I had a visitor from India yesterday.  Whoever it was looked at the picture I posted of my Denyer family.  This person lives in a town near the very lowest part of India.  The town is Thiruvananthapuram in Kerala.

I am by nature a very curious person. I imagine this person is equally curious.  Why would he or she be interested in the Denyer family?  My reason for posting it was not only to show the group, but hoping that it would reach someone who had Denyers in their family and would contact me to share information.

I would love to reach this person and communicate with them.  If they were simply curious, OK.  I understand that.  But if there is a connection somewhere I would like to know about it.  The Denyers came from England, (possible connection to India there.)

Therefore, I am inviting the person in India who saw my Denyer picture to contact me by email at  I would be delighted to hear from you even if you were just curious.


New Denyer Family Information

I just found out with a lot of help from a wonderful lady in England why the Denyer males in my late husband’s family had the name Freeman, either first or middle.  It made no sense to me.  I just listed it in my data base and went on to other ancestors.  Then I saw a message on my Cornwall list that Janie, in England, was from Cornwall and offered to do research there.  I couldn’t wait to contact her.  I do not have access to International resources so this was an offer I couldn’t resist.


I told her what information I had, not asking about Freeman, just looking for more info on my husband’s family.  She responded the very next day with the Freeman source. I was astonished.   The name came from my husband’s grandfather, Freeman Wm. Valentine Denyer’s grandmother, Mary Anne FREEMAN.  This wasn’t all.  She listed 3 links to information on the birth date and place of Mary Anne’s daughter, Amelia, Freeman’s mother, which I didn’t have and the misspelling of her last name.  I had Penglaze and it is Polglase which may be why I hadn’t found the information earlier.    She said the Cornwall language, including names, is often misspelled or mispronounced.


Needless to say, I was thrilled.  I emailed all the Denyers and passed on the good news.  I know my husband didn’t know, or cared, why he had that middle name, nor do my son or grandson, who have the same middle name.  To my knowledge no one in the family, now deceased, had ever questioned the source of that unusual first name.


Further research linked Mary Anne to her husband, the marriage date, her husband’s occupation, coalminer, and her parents.


I love doing genealogy and the people who pursue it.  They are, without exception, generous to a fault, and eager to share information and pictures when available.  I have made many friends in far away places in this quest and offer my help whenever asked.  It just so happens that today is my late husband’s birthday.  He would have been 86.

Freeman William Valentine Denyer b 14 Feb 1857


James Freeman Denyer 1972

Social Security Checks by Mail is Ending

For some unknown reason I don’t believe I have many seniors following me.  I can only judge by the number of readers of certain articles.  However the following information can be helpful to those of you who receive Social Security checks in the mail, or know someone who does.  The Social Security Administration will soon cease mailing  those checks and electronically credit their bank account or a debit card.


It is supposed to work like this:  Each recipient, now and in the future, will receive their monthly benefit credited to a bank account or debit card.  If the recipient doesn’t have either one a Master Card will be issued to them.  They can then use this card for all purchases and receive cash from an ATM once a month.   This is supposed to be much safer than sending the check  in the mail.  In 2010 more than 540,000 federal benefit checks were reported lost or stolen.  And it will save the government about $120 million a year.

It will also save the fee that some recipients pay to cash their check since there is no charge for debit card purchases.

One problem occurring to me is the possible misplacement or loss of the card.  Some seniors might not remember where they put it.


If you would like more information, the government has a website, and a toll-free phone number, 1-800-333-1795 for assistance.   You can also read Dick Eastman’s article on the subject at Eastman’s Online Genealogy Newsletter.  If you can’t find it contact me and I will e-mail you his complete article.   It has received some valid and interesting comments.

Who do You Think You Are?

I just saw an article about how NBC picks the celebrities they feature on their show, ”Who Do You Think You Are?”  It‘s very interesting.  They do a great deal of research before picking someone who has an interesting story and they can take the ancestry back several generations.   Not everyone who would like to be featured is chosen.  Sometimes the researchers  hit a dead end or it isn’t interesting enough to get the attention of the viewers.  In fact they turn down more than they choose.  You can read the entire article at

The program has its detractors.  Read the comments after the article.  A program like this is not going to satisfy everyone and the comments are valid.  I would like to know that NBC and Ancestry read them, but have doubts that they will.

I watched all of the first 2 seasons and eagerly looked forward to this season.   I’m glad that Ancestry is doing this series because I think it encourages more people to seek out their heritage.   The program provides well known people who don’t have much information, or sometimes wrong information, about their ancestors with dates, places, names, interesting events and lots of travel.

It would be nice if your average genealogist had the means to travel all over the world in search of his or her family, not to mention meeting with the professionals who always magically produce documentation on the family.   NBC and Ancestry does all that research and then selects people who will have a large amount of original documents taking them back several generations.

This makes the program interesting because we get to see how the chosen few find the information that they have been looking for.   Unfortunately the majority of people doing genealogy don’t have that opportunity.  They have to work for each little item they find.  If they get lucky it sometimes leads them to another ancestor they didn’t know they had.  This is what makes the research so fascinating and addictive.

Almost every genealogist will have a “brick wall”, a person who has no information beyond a certain point.  But we keep looking, because we are hooked.  But we won’t appear on “Who Do You Think You Are?”

What is the Source of Your First Name?

Your parents may have given you a name that belonged to another family member, or someone they admired, an unusual name, a combination of other names, or maybe just something they liked.  Now you might be able to find out more information about the name they gave you.


I just found a great site I didn’t know about.  It is and contains information on the origin of first names, thousands of them.  You click on the first letter of your name and it brings up a list of names.  Scroll down to your name and click on it.  You will see the origin of the name, the various versions of it, the history of the name and sometimes the ranking of the name in the United States and other countries.  Be sure to click on the “Family Tree” and “See All Relations”.  They show fascinating information.


My oldest daughter has a name of Greek origin, Circe, and I already knew the history of her name before we gave it to her, but her father’s name, James, came up with a huge amount of history, not unexpected.  I am going to check out the rest of my family and suggest that they research their own name and that of their friends.  It makes for very interesting reading.

I don’t think my daughter would object to the information on her name below.

I would love to hear your comment on this.



GENDER: FeminineUSAGE: Greek Mythology (Latinized)

OTHER SCRIPTS: Κιρκη (Ancient Greek)

PRONOUNCED: SUR-see (English)   [key]

Meaning & History

Latinized form of Greek Κιρκη (Kirke), which possibly meant “bird”. In Greek mythology Circe was a sorceress who changed Odysseus‘s crew into hogs but was forced by him to change them back.

Related Names

See All Relations
Show Family Tree


Related Names


Important Genealogy tip

Today’s message is for those of you who are beginning the search for your ancestors.


One important thing you must not forget to do.  When you find information or are listing what you know, make a note of where it came from.  If it’s from a book copy the title page, from a film enter the film #, from a relative, make note of the name, from an online reference, note the source.  And include the date that you got the info.  I didn’t do this when I started and later on had to try to find the source, and sometimes couldn’t.   Trust me, sometime down the road you will have to prove your information, so the source becomes important.  It only takes a second or two and you will be glad you did it.


I want everyone to enjoy the satisfaction, wonder, delight, frustration and addiction that I have.  So get started and join the addicts.


Don’t hesitate to ask me any questions.  If I don’t know the answer, I will do my best to find it for you.  Everyone helps everyone else.  So, don’t be shy.  And check out my CD for beginning genealogists.  It has valuable information you won’t find elsewhere.

Happy hunting.