Simple advice for a better life.

July Blooms – My Suburban Garden

rose-of-sharon-flower1It’s hard to believe that July is already passing us by…..where has the time gone….???

July was a beautiful month this year; not too hot and not too cold.  Perfect weather for blooming flowers.

Here are my blooms from July:


Moondrop Coreopsis, Hosta, Pink Phlox


moonbeam-coreopsis-2Hosta                                                           Moondrop Coreopsis

hot-pink-phlox-3 phlox-flowers

Hot Pink Phlox plant and flowers

hot-poker-plant hot-poker-flowers

Hot Poker Plant and flowers

rose-of-sharon-bush rose-of-sharon-flower

Rose of Sharan bush and flower

Kalmar Nyckel – A Little Piece of Wilmington

Kalmar NyckelI think I am still considered a “newbie” to Delaware, or at least I feel like one,  especially after reading a post about the adventures of  “Kalmar Nickel”, on one of my favorite blogs which I follow regularly,  Here is a short insert from her post, to get you started:

In 1986 a group of citizens in Wilmington, Delaware established the Kalmar Nyckel Foundation, whose primary source of funding comes from the taxpayers of the State of Delaware along with donations from corporations and individuals to design, to build and launch a re-creation of the Kalmar Nyckel. The ship was built at a shipyard in Wilmington on the Christina river near the original 1638 Swedish settler’s landing site at Fort Christina. It was launched on September 28, 1997 and commissioned on May 9, 1998. The re-creation measures 93 feet overall with a 25 foot beam, a 12 foot draft, and displaces 300 tons.

Please click on the above link, to read the whole post and view a series of very interesting photos.

Special Birthdays – Humor


Creative Commons License photo credit: TheGirlsNY

This is a very memorable year in many different ways, and there is no need for me to make a list, since everyone is glued to the daily news, thus well aware of it all.

I wanted to add some humor to lighten things up a little, so here are some pictures of  the latest



This is Barbie’s 50th Birthday!!!!


Tweety Bird’s 60th Birthday!!!!


This one speaks for itself!!!


The Sound of Music – Julie Andrews

picture-of-julie-andrews-at-69It’s time for some fun….Lets reminisce about the wonderful movie “The Sound of Music”, and the star actress/vocalist, Julie Andrews.  A friend of mine sent me this email, and ever since I read it, I can’t get the song out of my mind, so I am passing it on to you all, to try the new lyrics.

To commemorate her birthday , actress/vocalist, Julie Andrews made a special appearance at
Manhattan ‘s Radio City Music Hall for the benefit of the AARP.
One of the musical numbers she performed was ‘My Favorite Things’  from the legendary
movie ‘Sound Of Music’.   Here are the lyrics she used:
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(Sing It!)  – If you sing it, its especially hysterical!!!

Botox and nose drops and needles for knitting,
Walkers and  handrails and new dental fittings,
Bundles of magazines tied up in string,
These are a few of my favorite things.

Cadillacs and cataracts, hearing aids and glasses,
Polident and Fixodent and false teeth in glasses,
Pacemakers, golf carts and porches with swings,
These are a few of my favorite things.

When the pipes leak, When the bones creak,
When the knees go bad,
I simply remember my favorite things,
And then I don’t feel so bad.

Hot tea and crumpets and corn pads for bunions,
No spicy hot food or food cooked with onions,
Bathrobes and heating pads and hot meals they bring,
These are a few of my favorite things.

Back pain, confused brains and no need for sinnin’,
Thin bones and fractures and hair tha! t is thinnin’,
And we won’t mention our short shrunken frames,
When we remember our favorite things.

When the joints ache, When the hips break,

When the eyes grow dim,

Then I remember the great life I’ve had,

And then I don’t feel so bad.

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7 Credit Card Myths

In my previous post I shared some credit card information regarding fraudulent phishing email tricks scammers play on credit card users. Now I found some tips on various myths people have about credit cards, and the reality of it.

These are very valid points and worth your while reading and passing them on to your family and friends.

Don’t Believe These 7 Credit Card Myths

by John Morell

Myth No. 1: Writing ‘See ID’ on the signature line on the back of your cards will stop a credit card thief cold and absolve you of any liability if a thief uses it.

The Reality: An unsigned credit card is invalid, technically, according to the agreements that card issuers have with retailers. Moreover, many clerks don’t even check for signatures at all, meaning that they’re unlikely to see “See ID” on the back of your card, even if it is there.

Myth No. 2: There’s no credit limit on your American Express card, so you can buy anything.

The Reality: AmEx has changed; it no longer issues only charge cards — the type that allow you to rack up a lot of debt, as long as you pay off the entire debt every month. They issue credit cards, too, which allow you to carry a balance you want.

“There is no preset spending limit. It’s dynamic. It can change based on your financial situation and how you use the card,” says Mona Hamouly, a spokeswoman for American Express. “We have customers who make extremely large purchases with their cards, but that may be part of their profile.”

Myth No. 3: You need one of each of the big cards — Visa, MasterCard, American Express and Discover — in your wallet because you may be stuck someplace that accepts one and not the others.

The Reality: “If you have two of the big four, you’re not likely to have any problems,” says Linda Sherry, national priorities director for Consumer Action in Washington, D.C., “and millions of people just get by with one. It’s much simpler.”

“Remember: All those cards with your name on it don’t make you rich and powerful, and in the end, you could become poor because of them.”

Myth No. 4: You can give your credit score a boost by paying more than you owe.

The Reality: “Even though you may be below zero on an account, it’s assumed that’s a temporary situation,” says Roslyn Whitehurst, a spokesperson with the credit bureau Experian. “Whether you’ve got a credit of $100 or $1,000, it still shows as a zero balance for scoring purposes.

Myth No. 5: Using your debit card wisely can help your credit score.

The Reality: “Having a bank account with a debit card and maintaining it properly shows that you’re a responsible consumer,” says Sherry. “But it is not taken into account” in credit scores, she says.

Myth No. 6: Retailers can set a minimum amount you can charge on a credit card when you buy something from them.

The Reality: Retailers who set minimum charges are breaking their agreements with the card companies.
If you need to use a card for a small transaction that’s against store policy, you can object, although you may be invited to take your business elsewhere.

The other thing to do is contact the credit card company. “We want to know about retailers who do this,” says Matt Towson, a spokesman for Discover Financial Services. “It violates our contract with them.”

Myth No. 7: If you go over your credit limit and pay it back before the due date, you’ll be fine.

The Reality: It’s true that credit card companies don’t want to decline your purchase when you go over your limit. And if you’re buying something that puts you a few dollars or more over the top, there’s a good chance they’ll give you the green light. But remember, every time you pass that credit limit, even for a short period, you could give the issuer a reason to boost your interest rate to penalty rate levels — sometimes more than 30 percent.

You’ve also triggered one of those nasty fees that can eat up your account. Taken over time, those fees can add up and hinder your ability to draw down your debt. “It just makes sense for the company,” says Sherry. “They know you don’t want to have the card declined, so they quietly penalize you the $30 or $40 over-limit fee.”

To avoid it, try calling before your purchase to see if they can give you at least a little bump in your credit line.

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