From the desk of Louise

February 13, 2007

Wash those dirty hands!

Filed under: Your Health & Mine — Louise @ 5:07 am

You pay for your lunch with a $10 bill and put the change in your pocket.  You handle the money and then you sit down to eat your sandwich … but you haven’t washed your hands!

You go into a bank and fill out the deposit/withdrawal slip.  You use the pen at the counter because it’s accessible.  Then you handle the money and when you’re done, you go back to your car.  Now you put your hands on the steering wheel and various other items.  You may even put candy or gum in your mouth … but you haven’t washed your hands!

Maybe you use the ATM machine to get money.  Your fingers press all those buttons, the money comes out, you count it and put it in your wallet.  You go on to the next stop … but you haven’t washed your hands!

You go to the grocery store and as you’re walking in, you take one of the carts that is sitting by the door.  You use the handle bar to steer the cart through the store.  This shopping experience takes about 20 minutes and all the while you have your hands on the handle and then on the food and then back to the handle.  You pay for your groceries, handel the money and coins and then you’re back in your car.  Maybe you touch your face as you check in the mirror to see how your makeup looks, or you eat a piece of fruit that you just bought because you’re hungry … but you haven’t washed your hands!

Have you ever thought about who handled the money, the pen, the grocery cart before you?  It has been said that money is the dirtiest thing we touch every day!  Not to mention the grocery cart!  Or the ATM machine. 

My problem is I watch too much CSI.  I love that show.  It has taught me so much about hygiene.  For instance, did you know that when you cough or sneeze, your germs take flight and land on some lucky person or desk or machine?  Those germs don’t die right away.  In many cases, they are picked up and transported by an unsuspecting victim.

I was in a bank last week filling out a deposit ticket.  This young girl was also there, standing at the other counter filling out her bank ticket.  She was sneezing and wiping her nose with her hand — sort of like a hand/wrist motion across her nose.  She was right handed so she used her left hand to clean her nose while she wrote with her right hand.  I visualized all the germs that were landing on the counter and the pen and I was glad I wasn’t standing near her.  But then I wondered if someone had done the same thing where I was.  Luckily I was using my own pen.  But I was touching the counter.

We really need to be careful.   I don’t want to sound like Monk but you know, he’s not completely crazy.  I use those anti-bacterial liquid soaps at home and I keep a small, no-water-necessary tube of hand cleanser in my car.  I also try not to eat anything in my car without washing my hands first.  Oh dear,  I am remembering that today, I shook that woman’s hand, let her use my pen and then ate grapes as I drove home.  I was hungry and it was late and I needed something to chew on so I ate those grapes … but I didn’t wash my hands first!

Let me ask you this … do you ever take notice of how many people leave a public restroom without washing their hands?  Why is it necessary for the establishment to post signs on the doors instructing their employees to “wash your hands before leaving the restroom”?  Do we not have enough common sense to know that our hands are dirty?  Everything we touch is dirty!

Monk is right!  I may start wearing gloves.  Hey, at my small town post office, the clerk always has lightweight blue gloves on.  I never thought about it before but she is one smart lady!

Have I made think about your dirty hands?  Do you understand my point?  If you and I start washing our hands more often, we will be helping society and ourselves stay healthy.  It would reduce the number of colds we have and the medicines we have to buy and the visits to the doctor’s office that keep us sitting in a waiting room for two hours because we didn’t have an appointment!  WOW!

Wash those dirty hands!

from the desk of Louise

February 4, 2007

It’s My Business!

Filed under: Be Your Own Boss — Louise @ 12:02 am

There are so many get rich schemes.  So many home-based businesses.  How do you know which one to choose?  How do you know what to look for?  How do you know if the products are really good without spending a fortune to find out?  These are all legitimate concerns. 

I have been an Avon District Sales Manager for almost 9 years and before that I sold Avon for over 10 years.  I speak from experience — if you have a vision and are determined to reach your goals, Avon can be the vehicle to get you there.  Here are some reasons:

Avon is probably the lowest-cost business to start.  “The cost of lunch could change your life!” is my motto.  Only $10 to start!  No inventory!  No sales quotas!  No stress!

Avon can give you financial freedom — in the Avon world there are hundreds of woman and some husband/wife teams earning a six-figure income.  They have taken the career path … not only selling the products but sharing the opportunity through networking Avon to people everywhere.

Avon offers on-line training to all representatives.  These courses are absolutely FREE and teach money management, the Beauty of Knowledge, the Power of 3, how to market your products, how to build your business and find new customers everywhere you go.

Avon’s products are guaranteed 100%.  If the customer is not happy, the representative can ask for credit and return the product to Avon.

Avon gives every new representative a credit line of at least $100 — (s)he orders the product, it is shipped directly to his/her door and (s)he pays the bill before submitting the next order.  

Avon has products for every member of the family.  The representative has giftable items, DVD’s, clothing, licensed products like Dora and Bob the Builder and many more items to entice the customers.

Avon’s SKINCARE is the BEST!  The Research & Development Department is always finding new technology to combat the signs of aging.  Our Clinical line takes the needle / pain / high cost / doctor’s visit out of having botox treatments, laser treatments, collagen injections, and thermal face lifts.

And best of all, the representative can earn anywhere from 20% to 50%, depending on how much time and effort (s)he puts into the business.

I was an Avon representative from 1978 to 1988.  My sales put me in the top 10 of my district and made it possible to remodel my kitchen with brand new cupboards and appliances.  Our Christmas presents were always Avon products … family and friends loved getting the holiday decorations and jewelry.  My sons learned the benefits of hard work and enjoyed helping me make deliveries.  We made long lasting friendships with so many wonderful people.

If you are looking for a way to earn more money … if you just need $300-$500 dollars a month … if you want to be rich … Avon may be for you. 

God bless,

Louise

As Featured On Ezine Articles


Online Tax Preparation

February 3, 2007

Cancer – O Lord!

Filed under: Cancer — Louise @ 11:15 pm

It was a bright Monday morning in May, 2005.  A morning like every other morning … except that my husband had a doctor’s appointment.  He was going to find out the results of his biopsy.  He wasn’t too concerned.  His PSA count had gone up to 5.7 from 4.9 and the doctor felt it might be a good idea to do this test.  I didn’t go with him.  Several hours later I found out he had prostate cancer.

I can only tell this story from my viewpoint.  My husband has said it felt like he hit a brick wall when the doctor said “you have prostate cancer”.  I just know that for me there was a rush of emotion.  Fear mixed with guilt for not being there.  Anxiety over the unknown and then a small voice saying “I am in control”.  After we both cried and comforted each other, maybe a day or so later, there was a funny calm that came over me.  I knew God was in control of this situation.  It was no surprise to Him.  We told our sons and family.  We were bombarded with questions as to what we were going to do … and that’s the purpose of this article.  Maybe our experience can help you.

The doctor advised my husband to have his prostate removed and explained all the pros and cons.  The biggest reason “not to remove” the prostate was because it could result in impotency.  We both said “no” to that.  We decided to have a second opinion.  That doctor said the same thing … have the prostate removed.  There had to be other options.  We had researched the Cancer Treatment Center of America in Illinois shortly after we got the news but hesitated to go there because of the distance.  However, after this second opinion, we called them and were on the first flight out two days later.

You have probably seen the ads on TV for the Cancer Treatment Center.  If cancer hasn’t visited your family, then more than likely you ignore the commercials.  DON’T!!This Center made all the difference for my husband and me.  Be informed before you have to be.

We arrived in Chicago, the hospital limousine picked us up at the airport, took us to the hotel and then a shuttle bus picked us up the next morning for our 8:00 am appointment.  First impressions are very important — as we walked into the lobby of the Cancer Treatment Center, we both felt a perfect calm.  It was not a “hospital” — there was no “smell of death” — we did not see grim faces.  What we did see were smiles and friendly faces on patients and staff — most of all, there was HOPE in the air!

By the end of the week, we were told that there were three options.  The cancer was contained in the right side of the prostate and could be treated.  Our research had shown a new therapy available called Brachy Therapy.  My husband wanted to know more about that.  He made the decision to have it done … it involved 5 weeks of radiation and then the 3-day surgical procedure.  The operation was done on Sept 27, 2005.

Today, his PSA count is down to .014 — he goes back in April for another follow up — but he is doing really well.  In retrospect, we know we did the right thing.  We didn’t take the first or second opinion — we had some doubts and followed our gut feelings.  We united and prayed seeking the Lord’s wisdom.  Our choice to go so far away from home for this treatment was questioned by family and friends.  But we just felt it was the right choice.  We were right.

If you are facing Cancer … pray.  Ask God to show you what you should do.  Consider the Cancer Treatment Centers of America — they are now located in Illinois, Pittsburgh, and I think Texas and Pennsylvania.  There is HOPE.  Don’t give up.

God bless.

Louise

As Featured On Ezine Articles

0% Interest — too good to be true???

Filed under: Credit Cards — Louise @ 9:05 pm

Over the past 15 years, I have received numerous offers to sign up for this credit card or that credit card.  Interest rates offered have varied from 0% to 5.99%, some offer FREE miles or cash-back awards and most come with transfer balance offers.  Some are 0% for transfer balances only.  Some are 0% for all purchases. 

Perhaps you receive just as many of these every week and have been tempted to take advantage of them.  Let me just say that I feel like the 0% Interest Queen.  Since 1991 I have borrowed about $100,000 from various credit cards and paid 0% interest.  In most instances, I was able to transfer balances from one card to the other with no fee but at times, there would be a $35 – $50 charge for the transfer.

Here are a few pointers to be aware of:

  • some card companies now charge a minimum of $10 or 3% of the transfer balance
  • some require a purchase every month until the transfer balance is paid off
  • you will have to pay a minimum of 2% of your balance every month.

Using a 0% credit card has made it possible for me to purchase many things that I would not have been able to buy otherwise.  I don’t abuse my credit cards but I love having the freedom to buy something I really want knowing that I won’t incur any interest.  I always pay well over the required monthly payment so that I can clear the balance that much sooner.  Because of this my credit rating is Excellent which means I get more 0%offers. 

The only problem I have experienced is keeping track of when the 0% offer expires.  To solve this problem, I created a folder with information on each card showing the 16 digit account number, the date I transferred the balance, the date the payment is due and the date this offer expires.  Since I make all payments online, I indicate when I have scheduled the payment.  Most cards allow you to schedule your payments ahead of time so I normally schedule all the payments for the upcoming month.   At the moment I have four cards with 0% interest that I am paying on.  Hopefully, I will be able to consolidate these four down to 2 or 3 once the balances are low enough. 

My last big transfer was a student loan of $25,000 to a 0% card.  I had paid on this loan for over 4 years — every month, the interest was over $180.  I received an offer with a credit limit of $26,000 so I did the math and realized that I would be required to pay 2% of the balance if I decided to transfer this loan.  In the past 6 months, I have paid off $3,000 of this balance but it’s all principal.  By the time the 0% expires, hopefully, there will be another 0% offer to transfer this balance.

Maybe this would work for you … maybe not.  It does require record keeping but for me, it’s worth it!

Louise


As Featured On Ezine Articles

Blog at WordPress.com.