Category Archives: Home Ec on Acid

Where Is Your Music?

I spent years wondering why it was possible for Ludwig Von Beethoven and Bederic Smetanau to write some of the most moving music in the world when they were both deaf – no sound penetrating their worlds.

I think I figured it out.

Beethoven could hear nothing when he wrote his magnificent choral symphony, the 9th and final symphony of his life.  Listen to The 4th movement of the Choral Symphony.  Smetanau wrote his incredible, lyric ode to his home land from which he was exiled Ma Vlast, in complete silence.   Only 11 minutes long, the Moldau shows Smetanau\’s love for his homeland.

How could they create such beautiful sound without being able to hear?

Perhaps that is the very reason they could create music that moves men and women to tears even today, hundreds of years after they composed it.

Unlike the vast majority of people living in this world, these men were not distracted by the everyday sounds of their lives.  No incessant chattering, no hoof beats in the streets below, no vendors hawking wares.  All they could hear was their inner music, the rhythm, beat, melody and lyrics that coursed through their very blood and poured onto page after page of parchment as notes.

I believe every person has music inside them – their own special sound.  Sometimes, if you look quickly enough, you can see it flash in their eyes.  Or you’ll hear fingertips drumming on a table, maybe see someone sketching the echo of their own soul on a notepad, in yet another meeting.  So, where does our music go?  Why does it only slip out when we aren’t watching or we think no one else is?

We drown it out with a torrent of sound.  Television always on.  Radio playing in the background.  iPod plugged in and ripping through song after song.  Texting.  Chatting.  Reading magazines, the newspaper, billboards, even labels.  Every day, all day, we are all assaulted by noise.

Who could possibly hear the thread of their inner symphony?

Ten years ago, this month, I embarked on an experiment to try to reconnect with myself, find my creativity, begin to hear my music, my voice again.  I took my journey with Julia Cameron – well-known author of The Artist’s Way.  A twelve week, self-study course, The Artist’s Way makes it possible for anyone reading it and doing the exercises to find their way home to themselves.

One of the toughest assignments for me – a bona fide noise junkie – was the week of when I was not allowed to read books, newspapers, magazines, even boxes or bottles.  I wasn’t supposed to watch television or DVDs, go online or listen to the radio or my iPod.  At the beginning of the week, I was terrified by this idea.  At the end of the week, I was astonished by what I learned.

I learned that I loved silence; I craved it.  And the lesson stuck with me.  I don’t play the radio in the car anymore.  There is no television on during the day, no iPod unless I am meditating and need to listen to Jeff Strong’s One Tribe to help me reach center.  I don’t subscribe to the newspaper anymore.  I cut magazine subscriptions down from ten to two – Countryside and Oprah.

I write now.  I draw like I used to as a young girl.  I grow fruit and vegetables and flowers.  I create, sew and wear beautiful clothes.  And everyday, I actually take the time to tune into the small sounds of the quiet and gentle world living all around me – crickets, birds, the wind in the pines – my own personal symphony of life.

Have you found your music yet?

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Dottie Domestic’s Solar Dryer

Are you looking for a new dryer?  Clothes dryer that is!  I got mine about three months ago, all the way from Ireland.  It is stainless steel with brass accents.  It dries fast but doesn’t shrink the clothes or wear out the fibers.  There is just one hitch. My new dryer is a Breezecatcher – a  4 arm outdoor clothesline!

Described by happy customers (including me) as .. “superior product”…..”a work of art”…. “an excellent design” …..”a thing of beauty”….”superb workmanship”….”better than off the shelf products,” each Breezecatcher is hand-crafted, durable and designed to last.

And the Breezecatcher saves money by saving energy!  My electric bill dropped by $73 the first month I used the Breezecatcher  instead of the clothes dryer.  Every month this summer I have saved between $70 and $80 just by hanging out our clothes.  And I only do 2 loads a week!  Imagine how much a family of 4 could save.

And there is the added advantage of reducing my carbon footprint!  When my small effort is added to the savings of all the people in the United States who used Breezecatchers in 2008, we saved  2,062,500 KWHs or the equivalent of 885 tons of CO2.

And there’s one more advantage to hanging clothes out to dry.  It’s a little old-fashioned but standing outside listening to birds, watching my Westies play, hearing the chickens cluck, brings me real and treasured moments of peace.  There is no noise other than those natural sounds, no media, no, activity – just the birds, the breeze and me.

So consider saving money and saving your sanity by buying a new dryer for your back yard.

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What Makes The Best GIft

I’ve been thinking about gifts, lately.  My anniversary probably triggered it.

What makes the best gift?  An intriguing question because the answer is as different as every person reading this post.

I was a high-flying executive for years.  I got expensive jewelry, trips to Napa, Lacque de chine pens, vacations in Bermuda and dinners at 5 star restaurants.  I enjoyed every one of these gifts but I bet no one will believe what my favorite gifts were — the ones that made cry and laugh, sometimes, simultaneously.

The first was an old oak rocking chair that my husband and my father-in-law found in the bin, refinished, recovered, put a bow on and slid next to the Christmas tree.  They worked for hours on this chair, lovingly bringing its wood back to life and recovering the seat.  A gift from their hands and hearts, this rocking chair still has pride of place in my living room, 20 years after I first saw it and started to cry.

Then there was the gift that made me laugh out loud, jump up and down and hug my husband until he couldn’t breath.  He hid it in the garage and led me out there one Christmas morning.  Taking off the blind fold, turning on the garage light, he uncovered it.

NOT a shiny new car….not for me.  A shiny new John Deere rototiller.  I could not believe my eyes.  I danced around it.  I danced around him.  I read the manual and longed for the snow to melt, the ground to soften, for the right day, the right time to fire up “Tillie”.

Then there was this year’s anniversary gift.  The box was small.  I thought it was another necklace or bracelet destined to join last year’s jade pendant and the gold, silver, diamond, sapphire and lapis lazuli ornaments stuffed in my jewelry stand, worn on special occasions only.  Stalling, shaking it, trying to put on my game face, I gently began to unwrap the gift.

Pulling paper off the bottom of the box, fanning it out on either side and turning the package over.  I gasped.  Something more precious than gold or jewels fell into my hand,

Secateurs.  He gave me secateurs.  I could not believe it.

Right now you’re probably asking, “What the heck are secateurs?”  To a gardener, they are a precious metal, a jewel without comparison.  And I was holding the top of the line — Felco secateurs.  In every day language, secateurs are pruners but that is way too simple a description for these jewels.  Felco says they will change your life.  They will be passed down from generation to generation — family heirlooms,

They are a work of art.  When I try pruning bushes, vines or even small trees with loppers, I often whack off a limb you didn’t mean to.  And I have to use brute  force — something in low supply in my 63-year-old body!  With the secateurs, it’s a bit like slicing butter – soft butter at that.  So this was a gift of extraordinary value to me.

My man knows me by heart.  His gifts show that.  He’s had to figure out that a rocking chair, a rototiller and a pair of pruners would have me singing about the best gifts I ever got.

Which gift made you laugh out loud?  Which one made you cry.  What makes the best gift for you?

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It’s Tough To Change Banks

Who thinks about how deeply embedded you are in one bank until you have to change to a new one?

After 28 years at Wilmington Trust, we are moving on.  Why?  M&T Bank bought this fine Delaware institution and the changes are rolling in.  Yesterday I received a book (really, a book) on what is going to happen when they make the merger final.  Thousands of words and dollars were spent on this glossy page turner, but it was still confusing and complicated.  What was clear was this unwanted change was bringing with it new fees and less confidence, much less confidence.

So, we are forced to say good-by to a good friend and the great team in Greenville and take our chances with another locally owned financial institution, Sun East Federal Credit Union.

Started more than 60 years ago by Sun Oil employees, this credit union has grown conservatively and prospered.  Are there as many branches as M&T?  No.  Are there as many fees?  Definitely no.  Is it locally owned and personal?  Yes.  In fact, when we open our new accounts, we will be share holders, members of the credit union, not a number on a list of customers M&T is sucking into its very large maw.

But, back to the original thought, changing banks is not all that easy and our finances are pretty clear-cut.  We only have one small home equity loan.  We will have to get a coupon book, set up a new loan at Sun East and move that over.  We have direct deposits from 3 places — all of them have to move.

And tracking down auto payments to long-standing vendors means combing through old statements to make sure no one gets missed.  Bill paying was easy this way but now we have everything from ADT to EZ Pass accounts to move from one financial institution to another. Debit cards close then open with new numbers.  Checks get shredded and new ones issued.

We will probably miss some bits and bobs that needed to be closed, transferred or updated.  We will surely get calls from some companies authorized to debit but unable to do so because the money is gone and so are we.  But making this change is worth it.  I don’t know Sun East at all but there is more trust level with this group than there is with M&T — the out-of-town bank that is taking over our familiar financial partner.  It is definitely time to move on!

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Dottie Domestic Considers The Toilet Paper

My granddaughter spent last week at our house.  She is 12 years old, small and beautiful…and she consumes toilet paper like a platoon of soldiers.  Suddenly, I understood why my Dad was so crazed about how fast we girls ran through his stockpile.

Dad had three daughters.  Each daughter had a daughter.  When we came to visit, Dad hid his toilet paper in the bottom of the clothes hamper in his bedroom.  Why?  Between the 6 of us, we could go through two rolls of toilet paper a day.

So what?

Dad was a depression baby.  And toilet paper was a luxury even though, back then, a roll might cost him a quarter.  If Dad were alive, today, he would probably stock the bathroom with leaves and lock up his toilet paper.

Buy toilet paper at the store and 8 rolls will cost you about $8.00.  Even if you buy it in bulk – 30 jumbo rolls will still cost you $26.00 – 100 times what it cost Dad.  And, have you noticed that the rolls are getting noticeably smaller but the price isn’t?

Bottom line, toilet paper is a pretty practical consideration!  So, how do you wrangle toilet paper to the ground, cut down on use and save some cash?  The old-fashioned way; you start counting sheets.

I know, sounds ridiculous but once I started counting, I realized that I was hauling on the toilet paper roll like I was pulling the cord to start my lawn mower.  Ten, twelve, sometimes fifteen sheets at a time rolled off.  I was ripping through rolls at the rate of three a week!

By counting sheets and limiting the number I use, I can make one roll of Scott toilet paper last about 8 days – saving trees, saving money and yes, I think bringing a huge smile to my Dad’s face.

And if you want to save even more money, I have two suggestions.  Check out Amazon’s Subscribe and Save – I love it.  You get 15% off the regular price and free home delivery.  Not ready for that, Google “coupons” for your favorite paper products company and start saving money and trees.

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School Board Voting for Taxation Without Representation in Upper Oxford Pennsylvania

If we were black or all over the age of 60, we could claim discrimination and body slam the elected — that’s right elected – members of the Oxford School District with a law suit that would stop the redistricting scheme in a heartbeat.

But we’re not all black, not all over 60  We are simply more than 2,500 taxpayers who get hit with a school tax bill  paying in the mid to high $6,000 range every year.  And we are about to lose ANY representation on the school board.

This is America, you say,  Taxation without representation is why we fought the Revolutionary War, you add.  This cannot be happening in this sleepy, ruburb community.

It is.

Oxford School Board Member Joe Scheese presented the resolution saying the current division of the district into 3 regions was, “…very skewed and out of balance.”

Scheese wants board members to be elected at large –  all 9 of them.  And taxpayers in the respective districts would NOT be able to vote for specific representatives who live in their township, know their issues and can represent the people and problems specific to Upper Oxford, effectively.

If Scheese feels that we don’t deserve representation, then perhaps he, and the School Board, can do without the tax dollars of the 2,484 people they propose to disenfranchise.  Conservatively speaking, that’s only $1,242,000.

Cut us out of the process if you must but give us back our hard-earned money if you do.  No one should have to pay for being railroaded by an elected official, no one.

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Calling All Gardeners – BEST Soaker Hose

Okay, I don’t do product endorsements.  Really.  But this time I have to.

I have been an organic gardener for close to 25 years and every year, without fail, I struggle with my soaker hoses.  They are tangled.  I have to pin them to the ground and wrestle the kinks out.  While trying to thread them through my garden, the ends whip around and invariably smack me in the face.  They are damaged but you can’t see the holes until you lay them out in the garden, pin them to the ground and turn on the water.

I have created the Fountain of Trevi in my own back yard…year after year after year.  But NOT this year because I went looking and I have found the world’s best soaker hose thanks to the Internet, Amazon.com and Al Gore.

Manufactured by a company I never heard of (Bosch) in a state I used to fly into almost weekly for business, the Gilmour Flat Weeper Hose is spectacular.  It is made of material, not recycled rubber that breaks down in the sun.  And, believe it or not, this hose is guaranteed for life.  Yep, for life.  Gilmour will replace the hose, free of charge, if it does not provide, “…complete satisfaction.”

Here’ are a couple more wonderful features for this hose:

  1. It comes in 25 foot, 50 foot and 75 foot lengths.
  2. The individual hoses can be coupled together to create longer hoses.  I currently have a 125 foot hose snaking around ALL of the plants in my garden and there are 65 plants spread out in my plot.
  3. You will NOT have to wrestle with these hoses like you do with those alligators made of recycled rubber.  When they are not filled with water and soaking your plants, they flatten and can be rolled up like a piece of yarn  on a skein.
  4. The price is definitely right.  Priced by length, the 25 footer is $10.99.  The 50 footer is $13.00 and the 75 foot long hose is just over $15.00.

For a one time investment of under $50, I have soaker hoses I will be able to pass on in my will.  If you garden, give them a try.

Oh, and check out the Nelson Faucet Adaptor-High Flow, 4 Outlet Manifold.  The cut off valves work great and are, for lack of a better word, ergonomic,  They fit your hand and are BIG, you can see if they are on or off and you can actually get a grip on them and turn them on or off easily.

Side note: If you’re an organic gardener,  join people across the country who belong to Grow Girls Grow Organic on Linked In.  Lots of sharing and learning going on and it’s all about gardening, all the time.

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Sony Playstation Security Breach & How My Credit Card Companies Reacted

When the email from Sony arrived in my inbox my first reaction was  WHAT?

My personal information and that of 77 million other users was compromised.  Specifically, the email said, name, address (city, state, zip), country, email address, birth date, password and login, and handle/PSN online ID were taken.  The hacker may also have taken billing address and password security answers.

That’s enough information for ANYONE, even an over the hill writer like me, to be able to steal identity and start opening up credit card accounts.  But that’s not the worst news Sony delivered.  The email also said, “…while there is no evidence at this time that credit card data was taken, we cannot rule out the possibility.”

So, in a nutshell, me and 77 million other people were in the position of having our identities stolen, our credit cards used and our credit scores seriously damaged.  I hit the phone and called the companies of the only two credit cards I have.  The reactions of these companies could not have been more different.

Barclay’s MasterCard

ME – Explain, explain, explain that Sony had been hacked and I needed to change my password and I couldn’t get into the account.

Customer Service – Gee, I can’t help you with that.  And technical support  doesn’t open until 8AM.  Can you call back?

ME – I need help now.  I can’t get into my account.  I’m worried.  Is someone from Security available to help me?

Customer Service – I’m sorry the Security team doesn’t start until 8AM.  Can you call back?

ME – Oh, sure, fine.  I’ll call back in a few hours, after the hacker has opened a couple hundred accounts and charged a couple of thousand dollars to each.  REALLY?

Customer Service – Really…sorry.

American Express

ME – I am calling because my Sony account may have been hacked….

Customer Service –  We know all about this issue and we have set up a system to help our customers with it.

ME – Really?

Customer Service – Yes Ma’am.  We are offering to issue new credit cards with entirely different account numbers on them to any customer who is concerned.  We will pay to ship the new card via UPS and yours will arrive in 3 days.

ME – Really?

Customer Service – Yes Ma’am.  And we’ve stepped up account monitoring and will let you know if there is unusual activity.

ME – Really?

Personal Note

I have had an American Express card for more than 20 years and I willingly pay the annual fee because I know that the person on the other end of the phone is ALWAYS going to be ready, willing, able and available to help me whether I am asking about a charge, disputing a claim, or worried that my identity may have been stolen.  Always.

So which card would you want to own?

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Get A Good Cup Of Tea at a great price

The Brits may have been a poncy lot in 1776 and maybe they still are but they had/have one thing right…tea.  I start every morning and end every evening with a “cuppa.”

The weather this winter has me thinking about and enjoying my tea just a little bit more than usual.  Nothing like sitting at my desk, my fingers wrapped around a warm mug of tea, watching the sun rise and the snow, sleet and freezing rain fall.

A year ago, I would have bought my teas from another, fairly famous tea shoppe and web site but… when I lost my job, I knew I would not be able to pay $52 a pound for anything, let alone tea!

So, since I suddenly had a bit of time on my hands, I studied my favorite teas.  What was in them?  What could I taste, what flavors?  What could I see in them?  Once I had a few ideas, I went shopping at Adagio.com to get the ingredients and start concocting.  It took a couple of tries but I finally got the morning and evening teas I love for a whole lot less.

My morning tea is caffeinated but it does not jangle my nerves or upset my stomach.  Dubbed Mucci’s Mix, it’s a blend of masala and thai chai with some lemon grass and honeybush hazelnut added to round out the flavors.   The spicy and rich flavor makes it a great way to start the day.

Nights used to be troubled for me; sleep came and went but I never had a good night’s sleep, never felt rested.   That “other” company had a blend that was soothing and helped me sleep but I could not afford to buy it, either.

So I created this blend to save money but I also made it to save my sanity!

My evening tea is not only flavorful, it is beautiful.  The garnet color of this tea, called Sweet Sleep, comes from the blood orange which is perked up by the peppermint and rounded out by the lemon grass.  I love this tea and the good night’s sleep it brings with it.    Make a cup and sail into slumber every night.

Stay warm and dry and enjoy the teas and the dollars you save by buying these Adagio blends.

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Balance Your Books, or Else. Part III

Scrooge is alive and well and should be living in your house…if you are spending more than you earn.  By now, because you’ve done the hard work of laying out income and outflow…you know if Scrooge is a guest at your table.

You’re almost ready for the big finale but first, a word of warning. What you’re going to do now is a whole lot easier than laying out expenses but the first time you see the numbers in black and white (and maybe a little red), you might experience some pain so be prepared.

In the first scenario, one significant other loses her income but the other keeps his.  These numbers look pretty good and more than cover the costs so this couple can go ahead and spend everything they are used to spending right?  Well, no, not unless they want to hit a financial brick wall really hard.

Hers His Total Post Tax
$20,000 $57,000 $77,000

 

What do you mean?  Their income is exceeding their expenses, why can’t they keep on living a little high?  I will answer that question with another.  What happens when both partners are on social security?

Income will drop to about $40,000 per year, assuming both make it to their “retirement” years.  And expenses will still be $51,000.  This one’s easy.  This couple will instantly be $11,750 short and the road to financial ruin is pretty much downhill from there.

So, what do you do when you find your income is very close to your expenses or maybe even less than your expenses?  Some hacking!  And you do it as early as possible so you can build a little pad behind your income that can carry you through short years.

Cut entertainment and get $5500 or half the required amount back.  Draconian?  Yes but necessary to balance the budget.

Start getting serious about your food shopping.  If you work it right, you could shave $50 a week off your food bill without trying too hard (more on that later).  That’s another $2600 cut off your expenses.

You could probably save another $2600 just by planning trips to the store and ride sharing  to cut down the gasoline bill.

Look at your phone, internet and television bill and see what you can shave off of them.  Taking $20 a month off the phone and $30 off the cable bill quickly adds up to another $600 saved.  Just with these three tips, you will save $11,300, immediately – just $400 dollars away from the nut you need to stay solvent.

Get rid of any credit card debt and pay down those items that make up the “fixed costs” like car loans and your mortgage as quickly as you can.  That may mean taking a second job but now is the time to make sacrifices and balance your own budget.  Waiting until you “get retired” will move you from balancing on the edge to spinning down the mountain, out of control – not where you want to be when your golden years are thrust upon you by being laid off, severed or “retired early.”

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