Yes, my Saving Advice friends, I've been cheating on you with another personal finance website that reminds me a lot of Saving Advice....except that they have over 20,000 followers!

I had mixed feelings about mentioning it here because I don't mean to create any kind of mass exodus, but I have noticed for some time here that I'll look at posts on this site in the morning, and then come back to it in the evening, and there may be only 3 new posts during that time.

It worries me that this site may at some time be taken down without any advance warning. If that happens, consider joining me at Your Money and Your Life, on Facebook. With a larger body of people contributing questions or comments, it just makes for a more enriching conversation.

How I spent the day:
1. Decided upon a 3rd dish I'll be bringing for Thanksgiving.

2. Made a delicious tomato-peanut butter sauce (with garlic, onion, ginger, cumin and coriander) over spaghetti sauce for lunch and dinner. The sauce actually came from a recipe that included serving it over sweet potato, which was great, but the sauce was so wonderful I realized it would be good with the spaghetti squash or even any kind of grain like quinoa, rice or farro.

3. Did one load of laundry.

4. Wrote up 2 more "topic summaries" for NutritionFacts.org. This leaves me with just one more to write this week; my goal is to write 3 of these things each week, which to me is enough to feel like a contribution, week in and week out, without it becoming like a chore.

5. I took a half hour walk around the neighborhood. It was cold. I wore gloves.

6. I finished putting together my family research album so I can bring it to Jersey with me and show it to my cousin.

Tomorrow, I'm picking up just a few grocery items for my Tgiving recipes. I'll spend the day making my 3 dishes, doing another load of laundry and packing an overnight bag.

My cousin mentioned there MIGHT be a third guest at dinner, the former CFO of her company, an engineering firm, who is divorced. Could be interesting.

So I spoke to my cousin in New Jersey and it's settled: I'll be coming down there for Thanksgiving and will spend the night.

I'm making my red grape/dried cranberry relish, my dark chocolate-walnut-dried cranberry clusters and an as-yet-undetermined side dish. Which I have to figure out soon. She MAY have another guest, a CFO she used to work with who is divorced.

I'll wait til Wednesday morning to buy a few ingredients I need for my dishes, so the grapes are super fresh, and then I'll make them later that day and will transport them in my car in a small cooler with some ice packs.

I'm also bringing a few matted & enlarged but unframed photographs my mother took that my cousin might like. One of them is a duplicate of a framed photo I have.

Finally, I am also bringing a large scrapbook I'm just starting to assemble today of all my family tree research. I have had 2 large leather binders that I've used for years to showcase writing samples when I go on job interviews. I emptied out one and am using that for the genealogy stuff. Trouble is, I've nearly filled it up and haven't even covered 2 of the 4 grandparents' families. I've done so much work on it.

Anyway, my cousin is into this family stuff too and I'll know she'll be interested.

Who knows what the traffic will be like but normally it's an hour and a half drive. I'm fretting about the impact on my car tracking device but I am actually taking I-287 for most of the way, so I can just stay in the slow lane and try not to brake much.

If it ends up my discount is not as much as I hoped for, I will simply drop my collision next year and save myself $249, no muss, no fuss. It's a 2013 Honda.

When I return from Jersey, I'll need to bring the 13 pieces for the December art show featuring mom's work at area gallery. I have at least determined which pieces I want to include, drew up the inventory/agreement so we both know what I'm dropping off, with prices I'm satisfied with, and I also wrote a press release for the show, which the gallery owner can use in her local paper and on her Facebook page, and I'll distribute it to other local papers.

I still have to carefully clean and package the pieces, and load them in the car. It's a lot of work but if I sell ONE piece I will be happy. What's discouraging is when nothing sells and you have to take it all back again.

Let's see, what else? Oh, I think I have a buyer for a clamp and saw miter box that was my mother's. Asked $20 for it on Craig's List and buyer expressed interest in meeting me; I'm just waiting for his confirmation of tomorrow morning.

I am hoping to write up 3 more topic summaries for nutritionfacts.org before I leave on Thanksgiving. I want to keep the momentum going. I don't think it'll be too long before they go live online.

I was supposed to drive to another MS luncheon with someone I met at the last one, but she is now unable to go. She has MS and her walking has deteriorated and her doctor wants her to try a new drug (it's a chemo drug and he's using it off label) and so her appointment for that ended up being the day we were going to go to the lunch together. I just met this woman. I tried to be supportive. It would surely have to be bad if she's willing to take a chemo drug, possibly monthly.

I had a really nice dinner with dad last night. We went to an Italian place here in town and it was great. I read dad the latest letter I got from the German pastor.

I have conclusively determined that I can find old copies of The Bergen Record from 1930 and 1945 on microfilm at the public library in Hackensack, NJ, so one of these times my dad heads down to Rutherford to see his son/my half-brother, he'll drop me off in Hackensack where I can research for a few hours and hopefully find two newsworthy family events from those years. Maybe we can do it first week of December.

So, a lot going on. Job search is dead.

OK, Right Track is on the wrong track, as far as I'm concerned. I went from saving 22% on my car insurance to now saving just 13%, due to having had 7 "hard braking incidents" in the past 2 driving trips.

All of a sudden the Right Track gadget seems extremely sensitive. Yes, I was driving in heavy but moving traffic on the highway and had to hit the brake a number of times but I would certainly not call these "hard braking" incidents. I didn't jam on the brake.

Now I'm getting really concerned about my ability to keep my discount up if they record even softer taps on the brake pedal.

Geez. I mean, in order to have a perfectly clean record, aside from not driving anywhere in the 90-day period, I'd have to gradually coast to a stop nearly everywhere I went. I noticed the last "hard brake" was when I had to slow to turn onto my street last two nights ago. You don't want to slow more gradually or drivers behind you will get very impatient.

Pfhg.

Joan of Arch recently asked me in another post how was the MS dinner lecture I attended last night.

I thought I might talk about it in a separate post here since 1. I think it's enlightening and 2. Many of you wouldn't know about it unless you had a certain chronic disease where this practice I'm going to discuss is prevalent.

When I had my first MS symptoms, the only treatment was prednisone, a steroid that totally dampens your immune system. MS is a disease where your body's immune system works in overdrive, attacking the protective covering (myelin) that surrounds the nerve cells.

But that was 30 years ago, and today there are probably a dozen different MS drugs to choose from. Some target specific symptoms and so they would be used only if you exhibit those symptoms, while others are used for different types of MS in general terms and have been shown to reduce the number of brain lesions that show up on an MRI or the number of relapses. This is important since with each relapse there's a chance your symptoms may not completely go away or may only partially resolve. So the fewer relapses, the better.

So I'm aware of 5 or 6 different MS drug companies (Avonex, Betaseron, Copaxone, Rebif, Tysabri, Gilenya, Amphra, Aubagio, Tecidera, etc) who have a place on their website where you can search for different lunch or dinner lectures (in addition to webinars) in or around your zipcode area. In other words, there are many of these talks going on all around the country at any given time. They are held at different restaurants or sometimes a hotel restaurant, like the Marriott I went to last night.

It's easy to register for a course online. (And when you show up they rarely ask you to sign in anywhere so theoretically you could just walk in off the street and enjoy a nice meal.)

There are usually about 30 people present. The pharma companies are pretty generous and allow each MS person attending to bring a few family members with them. You can also be an MS caregiver, or know someone with MS. I've noticed a lot of people who go to these talks take advantage of this and bring as many as 5 family members, and I think as a result some of the drug companies now limit "guests" to 2 additional people.

The lecture is a carefully vetted talk with slide show by an area neurologist about how the drug made by the pharma co sponsoring the event works, how effective it is, adverse effects (required) and how it stacks up to the competition (sometimes). The doctor can't veer far from the script becus it all must be FDA reviewed and approved ahead of time.

(Similar to how, when I worked for mutual fund companies, I had to make sure all the sales literature I wrote was reviewed by the NASD (now known as FINRA).

The doctor is paid by the pharma co. to talk. I only ever remember one doctor saying this out loud. The rest don't mention it. I don't know how much, but it must be enough to make it worth their while. I'm guessing in the neighborhood of $1,000.

I recognize many of the same neurologists talking at different MS drug lectures: they want to make extra money. This is not unique to neurologists; doctors in many specialties do this, and of course, this is a huge conflict of interest. How can you be sure that when the doc recommends one particular drug to you, that he's not just thinking about how much more that drug company paid him to talk than the others and he feels a degree of loyalty to them as a result? But this is our great American healthcare system.

There is usually some time given to review MS in general, or like last night, the topic was MRIs, but the Q&A from audience is usually more interesting because it's not scripted. Sometimes the drug company will also have an MS "ambassador," someone who has MS and travels to these lectures (probably also paid by the drug company) to describe their own experience with MS and of course, to talk up how great the pharma co's drug is.

Why do I go? Well, usually when I'm working, I don't have time or energy, but now I have plenty of time on my hands and I consider it a form of entertainment. I get to chit chat with other MS people and share experiences, I get a really nice meal at no cost, I get to hear other neurologists from the area speak (I'm not 100% satisfied with my current neurologist) and I can keep up-to-date on what other MS drugs are out there.

Last night was the first time I ever made plans to do something with other MSers I met at one of these meetings outside the meeting, but the 3 of us just seemed to hit it off.

I know they don't do this sort of lecture for every disease that exists, but they do it for MS because many of the MS drugs are given by self injection or IV infusion and/or they have some serious side effects, including death (Tysabri). Naturally, a lot of people will end up stopping the meds so the drug companies do these dinner lectures as part of their effort to keep people on the drug.

For the same reason, most of these MS drugs today cost $0 to the patient, provided they have PRIVATE insurance. The pharma co still makes money selling the drug even if the patient herself doesn't pay a dime.

I'm really not sure how or if Medicare covers these drugs; I imagine given their high cost, you would hit the "donut hole" pretty quickly and then have all costs picked up by Medicare after that. Something I will need to research eventually, but between now and then a lot could change, so I'm not going to worry myself about it too much now.

You might be surprised that any doctor would feel the need to earn extra $$ on the side doing this sort of thing since they are so highly compensated to begin with.

I can tell you from my experience dating a doctor 7 years ago who happened to be a neurologist, that this is not necessarily the case. Sure, he made a lot of money, but as a solo practitioner by choice, he made a lot less than he could have. Running your own office is expensive. He made $200K as I recall, but since he went thru a divorce with his ex who was a stay-at-home and raised their 2 kids, the court required him to not only pay her alimony but pick up all her health costs/health insurance until she turned 65. Not cheap. And being the sole breadwinner in the family, he also had to fully fund his two kids' college expenses with no scholarships. He would often talk about his financial challenges and was just counting the days when his kids were done with school and his ex turned 65! That's when, he said, he could finally fully focus on growing his own retirement savings.

Of course, he still leased a nice shiny BMW but when I was dating him he was living in what had been the family's small summer lake house. It was very modest and not updated.

Although he didn't do any dinner lectures similar to what I've just described, he did answer various online surveys for money. I can't remember who they were from but they paid pretty well.

I'm trying to consolidate all driving trips again so my Right Track score remains good.

So I loaded up the car around 2:30 pm with trash, recyclables, organics and a Good Will donation and dropped all at the transfer station.

Then I headed down to a camera shop 40 minutes southeast where I wanted to finally sell my mother's used cameras/lenses to. (I had called them months earlier.) I had a heck of a time finding the store, even though I had directions. It was 1 camera and 2 lenses. He took some time inspecting the camera and seeing that everything worked properly, then went to check with his boss but came and said his boss didn't want it or the lenses. I was very disappointed. I'm glad I didn't make a special trip just for this.

After that I searched around for a Walmart and found it so I could pick up some cat food. After that, I wanted to head north about 15 minutes to attend an MS dinner/lecture at a local Marriott, but once again, got all mixed up with the directions and it took me quite a bit longer to get there, but I wasn't late.

I sat with two other single women who were very nice (both also have MS), and we exchanged contact info for a possible lunch/get-together. They live near enough to make that doable. I also decided to go to another MS lunch lecture further out with one of them next week after she told me she was going, and she offered to drive me if I met her in her town, which is easier. The lunch happens to be at a very nice restaurant and it's a daytime thing, which I now have plenty of time for, so how could i pass up a free meal at a great restaurant with a new friend? I try to grab new socializing opportunities when I see them.

I'm thinking of going to Whole Foods tomorrow, and then Trader Joe's as I want to stock up on dried organic apple rings and vegan mac n cheese and maybe some fresh fruit at Whole Foods.

I've now written my first 3 "topic summaries" for NutritionFacts.org which I'm told were very good, on cherries, Brussels sprouts and hibiscus tea.

I've assigned myself 3 more topics for next week on sweet potatoes, pecans and onions. Sounds like a Thanksgiving menu! I will eventually branch out into diseases, health conditions and phytonutrients, but I figured writing about the health benefits of individuals foods would be easiest to start with.

A dreary, rainy day. We really need it. Sunny and fairly warm for November the rest of the week.

Cats caught a mouse around 5 am so I didn't get enough sleep last night. There were large drops of blood on my wood floors that I had to clean up.

Spent most of the day at the computer. It was a No Drive Day. Lunch was mushrooms, onions and carrots sauteed in a veggie stock over farro. Organic apple cider for mid-morning beverage and 2 cups black tea with Stevia.

I thought I would tally up time spent exercising since I've been tracking it using the USDA Super Tracker https://www.supertracker.usda.gov/physicalactivitytracker.aspx

I decided at the start that my goal would be at least 180 minutes of weekly exercise. That usually means walking, but I also count yardwork or mowing my lawn.

When I walk, it would work out to 6 days of walking a half hour each time, or, for example, 3 days of walking an hour each time. It really doesn't matter what the combination of time spent and how many days, as long as I get the walking in each week.

On a monthly basis, my weekly goal of 180 minutes of exercise works out to 780 minutes, or 13 hours of exercise each month.

Here's how I did since I started using this plan in May.

May 13.7 hours.
June 12.1 hours.
July 18.7 hours.
Aug 17.6 hours.
Sept 11.8 hours.
Oct 13.4 hours

As you can see, I exceeded my target in every month except June and September, arguably some of the nicest months to walk. I wanted to make my goal somewhat challenging to achieve but not so easy that it wouldn't mean anything. I do find that I have to make a concerted effort and plan ways to fit in the exercise every week. I tend to go for a lot of long walks on Saturdays becus it's the end of the week and it's my last chance to meet that week's target!

Ironically, I had higher counts in July and August, when I was still working, than in September and October, when I haven't been working and presumably have much more time. Hmmm. Bad me.

I know that inevitably, my walk times will drop quite a bit more, because when it gets below freezing I don't like going out so much; I don't like cold ears.

I reviewed some orientation materials for writing at NutritionFacts.org (my new volunteer position) and had a brief phone conversation with the person who manages the site's volunteers, just to be sure I understood what they wanted. Then I wrote my first summary, on cherries.

I really just want to build up a body of work there that I can point to as writing samples, I have TONS of writing samples but not as many healthcare-oriented, and I would like to hope this could open the door to that kind of writing down the road. A long time I got pigeonholed as a financial writer, which is ok, but limiting.

The nice thing is that I can assign myself topics by choosing from a lengthy list, so I can choose things I have a personal interest in. I'd like to wait a day or two to get some feedback from them before proceeding with the next two, just to make sure they like it.

I called my mower guy and told him I was good for the season, as at this point the grass is not really growing much and it's just certain areas of the yard that will need mulch mowing of fallen leaves (much easier than raking). I did some mowing yesterday and boy, did I feel it today.

I wanted to mow some leaves on the north side today, but unfortunately I hadn't replugged my battery mower in when I was done yesterday so the mower wasn't charged when i brought it out. It was a nice warmish day to mow, too. Tomorrow it will rain.

But anyway, by doing the last few mowings myself, I'll save myself some money by not having to pay him, give myself some exercise and save on gas I"d otherwise use to drive somewhere to walk, which I'm trying to avoid since I have the car insurance gadget on my car right now and total mileage counts.

I heard from my German penpal today, the pastor. He told me a little bit of his visits to the US in 2009, and about the time when he got pulled over somewhere in Nebraska, I think, for speeding becus he was doing 100 mph. I guess he's used to the autobahn. He said he was very nervous becus he'd heard a lot about American police, but the guy was very nice and let him go after learning he was a man of the cloth. I got a chuckle out of that story.

I have started watching a new-to-me series, Blue Bloods, with Tom Selleck. I've watched just the pilot. It was highly ranked by viewers though I'm not sold yet. Tom Selleck to me was never a really great actor; he's been around a long time but he never really stood out to me, and the rest of the cast isn't that strong. So will have to see if it improves.

The other show I started watching is Boardwalk Empires, with one of my favorite actors, Steve Buscemi. HBO programming has a certain stamp to me, basically, a lot of nudity and sex scenes, and this one's certainly in that mold.

I'm still not even midway through my 3 month period using Safe Track to potentially lower my car insurance, but they HAVE nailed me for my first instance of "hard braking, low severity."

I can see not only the exact time of this incident but the location on a Google map when I log in and look at my Safe Track dashboard. I think I was on my way to BJs that morning. I vaguely remember another driver turning across my lane in front of me, but I didn't think it was that bad.

I really don't remember any hard braking then, though there was a squirrel that caused me to hard brake in another location, which I hope doesn't register, because the incident reduced my so-far savings from 23% to 20%.

At least I still have plenty of time left to make up for this, and to be more careful moving forward.

My dad is about as staunch a Republican as they come. He considers himself an Independent, not tied to any party, but the truth is there was only one time when he voted for a Democratic; it was for Clinton, not sure which time.

I also have a lifelong friend who is a fervent Republican; he enjoys needling me and drawing me into a contentious argument, which I really dislike. I've asked him several times to let's just avoid talking politics since niether one of us is going to change the other's mind, so what's the point?

He still likes to get his little digs in so i've actually been avoiding his phone calls since election day.

I brought my dad to the eye doctor. He has macular degeneration and now has to get injections in his one good eye roughly every month, for life.

The doctor said that up until just about 12 years ago, there wasn't really much in the way of treatments for macular degeneration, and people would slowly go blind. Now they have drugs, this being one of them, that can be used for the "wet" phase of MD. (It starts out as "dry.") Wet refers to leakage of blood vessels that later causes scarring that blocks vision, so the idea of the drug is to arrest further leakage, although vision loss is still a possibility. The drug helps i think he said 70% of people and some even show slight improvement in vision. Dad has pretty much lost all vision in his left eye but his right eye is close to 20/20. For that reason, the doc said any improvement dad might experience would likely be to a much smaller degree than someone with worse vision.

Anyway, they kept us there about 2.5 hours and as we sat in the waiting room, we unfortunately got into a political debate. He insists that Hilary was given the questions to at least one debate prior to its start. He was surprised I hadn't heard about this. I went home and googled it and only came up with a bunch of obviously Republican or pro-Trump sites that spoke of this. Only 2 legit news organizations that included Fox News and USA Today.

Anyway, note to self, AVOID talking politics with dad. It's a lost cause and we really do have such a nice relationship and I don't want to muck it up.

It would be soooo tempting to mention how Trump is trying to get his court date pushed back to after he becomes president. You know, where he's being sued in a class action lawsuit related to Trump University ripping off a bunch of people. Our President.

Q: Would you cut departments?

Trump: Environmental Protection, what they do is a disgrace. Every week they come out with new regulations.

Q: Who's going to protect the environment?

Trump: We'll be fine with the environment. We can leave a little bit, but you can't destroy businesses.

Source: Fox News Sunday 2015 Coverage of 2016 presidential hopefuls , Oct 18, 2015

Still looking for f/t employment, but in the meantime, I did land a meaningful volunteer job today.

There's a website called nutritionfacts.org. The site is run by Dr. Greger and the focus of the articles and videos there is healthy eating and an emphasis on the health benefits of eating a plant-based (aka vegan) diet. The site rounds up all the latest research and clinical trials.

They needed a writer. It's an unpaid position but this is a site I read daily and really follow pretty closely. I read the doctor's book, How Not to Die, a New York Times best seller, and it's one of a handful that has informed the vegan diet I try to follow today.

So I would be honored to write for this site. All they ask for is 5 hours a week minimum and of course I work from home. So I could continue doing this even should I find a f/t job.

And I could at least put it on my resume. Not every employer cares about volunteer work, but some do, and it's been a while since I've done anything. I notice they use only first name author bylines, which seems a little silly. Most writers would value getting a full name byline.

I'm fairly excited about it. And honestly, I read their content site all the time and often find grammatical stuff that looks a little sloppy and not as professional as it could be. I would like to fix that for them.

Waldo had a rough night last night and this morning was no better. He could not breathe and was wheezing and his nose was all plugged up.

As a result, because he could not smell his food, he did not eat.

I decided to bring him to a new-to-me highly recommended new vet.

The vet's initial reaction was that Waldo had an infection, possibly due to a tooth, not asthma, so he wanted to do an x-ray, which I did. The x-ray confirmed he has asthma, and he has some sort of upper respiratory infection or pneumonia. The total bill was $302.

He did get a shot for the infection (long-lasting for 2 weeks) and then I have pills to give him for the asthma twice a day, for about 10 days; he said giving him the pill form of prednasone (has a somewhat different name) is safer for the cat than the one-time injection. After the 10 day span, he may need to stay on these pills indefinitely, depending on his symptoms. We'll have to see how he does.

Right now, he's still totally wheezy and stuffed up; they gave him a pill at the vet's so am hoping he'll see some improvement soon.

Since I was laid off, I've spent $1200 on meds and vet visits for the 2 cats. I suppose it could be worse.

The new vet is a little closer than the first, and the office is set back from the road, unlike the first one on a very busy highway. Also, the new vet has a separate entry and waiting area for cats only, so it's a little less stressful for them. Cost-wise, it's a little hard to compare since this vet did different things than my other vet, but the exam was $15 cheaper. Not sure about procedures yet.

The only thing is that the vet, who is Polish, has a pretty good accent and it is hard to understand everything he's saying. But I think I will probably stick with him. His staff also seems nicer, too.

I fell asleep last night around 11:30 pm feeling uneasy and worried about the election returns. I was so shocked this morning to hear the news. Probably the worst thing Trump will do is til the Supreme Court ultra-conservative for the next 30 or 40 years. There is even talk of repel of Roe v Wade decision.

And what will happen to my health insurance if my COBRA runs out and I'm still not working?

This is the worst case scenario, IMO and I will never utter the word "president" before saying his name.

Happy Election Day!

I say "happy" because I for one am really tired of all the political propaganda and the nonstop coverage on the news.

The last 2 days were NDDs, meaning "No Drive Days." The less I drive overall, the more money I'll save on my car insurance with RightTrack. As of today, I'm going to save 23% on my car insurance.

I must admit to sometimes creating reasons to drive here or drive there as a kind of entertainment or just to get out of the house, I guess. It's usually to buy groceries, get gas or something like that.

I made use of one of those postcards you get in the mail from Staples with a ridiculously good offer. Save $10 on a purchase of at least $10 (or more). So if you bought a $10 item, you could get it for free. I love this kind of offer and remember last year the coupon expired before I got to use it. So I did make a stop at Staples and cruised the whole store. In the end, I bought a large 2017 desktop calendar (I've used one for years) and the smallest notepad I could find. Most things were overpriced, but both these items together cost $11 and I wound up paying $1.

I've run into yet another "unsolved mystery" in my family tree research. I found a World War II draft registration card for my great grandfather that indicates his birthplace as "Kormasz Czecho-Slovakia."

I could not find Kormasz listed as a village, town or region anywhere in that country. Yet federal censuses confirm that my grandmother's parents were born in Czechoslovakia. I even reached out to several people who might know, including an American photographer living in Czech Republic and the Czech tourism bureau. Several people have told me the name sounds more Polish, Slovenian or Hungarian than Czech, yet still, a Google search brings up hardly anything. I found a young woman on Facebook with the same last name; she's from Poland. I messaged her this morning in the hopes she'll know.

My research into the Irish line in my family went relatively more smoothly because they all seemed to stay put in one place, both the village and the country! My grandmother's family was from a hamlet so small, it didn't even have roads. It was just a cluster of 90 families living at a certain intersection. Yes, the 1901 and 1911 Irish censuses contain some great info, including the exact number of families living in Derrytrasna, Northern Ireland. I did learn what materials the dwelling was made of, how many windows it had and how many outbuildings there were on the property. My great great grandfather had a "cowshed" and stable with a 2-room dwelling (for 5 people) and 2 windows.

Today, Derrytrasna is a semi-rural village within a larger town. There is just a single road called Derrytrasna Lane which probably indicates where the original settlement was. I found someone on You Tube who lives there and has a drone and filmed the whole area, which is very close to the shores of Lough Neagh, a huge lake. The whole area is all residential with a few more densely populated developments but mostly large open fields and attractive homes. No signs of the 2-room homes or even any idea of where they stood. I would probably have to find some historical maps to determine the layout of the original hamlet. It's all fascinating to me.

I got word yesterday that the bloodwork came back and showed I tested "negative" for Lyme disease and the other tick-borne illnesses. Which leads me to wonder why the near-daily headaches. Sure, I am a little anxious about getting a job, but I don't think I am stressed to the level of getting headaches over it.

I'm still waiting to hear whether I got the freelance writing position at the educational website. I saw another remote freelance position writing resumes and cover letters, but the pay was very low.

I was nervously waiting to receive the details of next year's health insurance rates from my former employer's Cigna plan thru COBRA.

Right now, I'm paying $513/mth with a $500 deductible.

Next year, the same plan is just $520 a month with same deductible. I breathed a sigh of relief at that as I've been hearing so much about how high Affordable Care Act rates are rising.

Still, $520/mth is not great when you're not working. I do have an option of going with the other plan my former employer offers, a high deductible HSA plan where you pay $460/mth but have a $1500 deductible.

I think I've decided against the high deductible plan becus i'd rather not have that large upfront deductible facing me every time I think I should see a doctor about something. The savings difference if I went with that plan instead of sticking with my current plan would be about $720. But another reason not to go with that plan is because I believe the company contributes something to your health savings account, but as an ex-employee, I wouldn't get that.

I also looked at my options on my state's healthcare exchange. The choices have narrowed. For next year, there are only 7 silver plans to choose from and they are all with ONE insurer, Connecticare, a company that gets only a 2 star rating from the state and my neurologist is not in their network. Also, the deductibles associated with these 7 plans range from $1,000 to $5300 altho the monthly premiums range from $325 to $425.

As a reminder, if I found a f/t job next year that paid anything remotely decent, I'd have to pay back whatever subsidies I had received up to that point (they estimate subsidies to be $532/mth!!), making these plans not so affordable should I find steady work.

Finally, I need to carefully look at prescription costs, as my one ongoing prescription is considered a "specialty" drug. Although the pharma company will pick up 100% of my copay cost regardless of what health plan I'm on, they do have an annual cap on what they pay. I can't remember what it is but if I look at the one ACA silver plan I'd consider, one with a $1,000 deductible, I see that plan pays 50% of specialty drugs and requires I pay "no less than $65 or greater than than $500 per prescription."

I get this med mail order and becus of its high price, i guess, you can only get 1 month at a time. So that means I'd be charged $500/mth just for this one prescription. Again, the pharma company picks up the copay but I could bump up against their annual maximum. Compare that to my current Cigna plan where the max I would be charged is $250 per prescription.

I doublechecked with cigna and as an ex-employee I won't qualify for the wellness incentive program, where you can earn up to $250 a year in gift cards just for getting a physical or a mammogram, for instance.

So by sticking with my current plan, at least I can count on the same coverage I've been getting with a pretty low $500 annual deductible. I'll also know my med co-pays are still 100% covered. My doctors are part of the network.

With the lower monthly premium ACA plans, yeah, I could save $720 over the course of the year, but if I find any kind of steady job, chances are I'll have to pay back the subsidies, which as noted above, aren't cheap. If you factor in this payback, these plans are definitely not affordable.

Of course, I can only stay on COBRA through the end of next year; at which time i'd have to go on an ACA plan or the plan of some future employer.

If you like reading magazines, there's a special discount offer on a bunch of magazines only until Nov. 7.

The prices are dirt cheap. I just subscribed to Money for less than $10.

http://www.mymoneyblog.com/

As mentioned here earlier, when my auto insurance renewed last month, I signed up for "Right Track," a special program Safeco (Liberty Mutual) offers where you install a little gadget on your car and it tracks your driving habits for 3 months. You're guaranteed to earn a 5% discount just for participating in the program, and you can earn up to a maximum 30% discount off your "base coverage."

That potential discount is for as long as you keep the policy, not just for the year, and not just for a single vehicle, so you could get a new car and still benefit from the program, all of which I think is very generous. It does NOT track where you're going, so there should be no privacy concerns.

I've only just started the 3-month program, but I checked online and it indicates that, so far, I've earned a 22% discount! The online program updates its data every 100 miles driven, so provided I continue to avoid any hard braking or fast accelerating (rep defined that as speeding up more than 7 miles an hour per second) and avoid driving between midnight and 4 a.m. and overall don't drive a lot of miles, as that is also a factor, I should see a pretty hefty discount.

I renewed the policy for $810 and I don't see any "enhancements" to the policy (like towing), so 30% of $810 would be $243, bringing the policy premium down to $567. That would be wonderful, especially since I just increased coverage on the car upon the advice of my agent (and decreased it on the homeowners coverage)
Also, this is a great time to do this program since I'm not commuting anywhere.

So, umm, I think when I pick up dad for dinner and bring him to eye doc next week if he doesn't mind, I'll ask if I could drive his truck. It'll help keep my mileage down. I don't think he'll mind.

In other news...
Stopped in at Aldi's yesterday after not having been there for several years. I was happy to learn they now accept credit cards! I carefully cruised the store. I'm pretty particular about what I buy and I favor non-processed vegan foods, preferably organic. There was a lot I had to pass by but i did fine good prices for old-fashioned oats, organic preserves, some organic soup and organic canned beans as well as bananas. The organic arugula also i think was a good buy. I will return.

Three people in the past week have given me a break on the cost of something, like this:

1. I went to the dentist today and told the receptionist that becus I lost my job, I no longer had dental insurance and would be paying out of pocket. I asked her how much would the charge be and she said $180 for the cleaning and dentist exam.

I asked how much without the dentist's exam and she said $120. So I thought a minute and said, i think I'd like to get just the cleaning.

Well, the dentist came in after hearing the news and said he would do the exam at no charge. He was ready to also offer free x-rays, but then he remembered (or else read in my chart) that I don't like x-rays and anyway, had them taken fairly recently. He looked at my teeth and said everything was fine. Both he and the hygienist asked how my mother was doing and I had to tell them the bad news. Then the dentist said gee, between that and your job loss, you haven't really had a great year, have you? And I said, no, that's true, it wasn't great.

So I thought what he did was pretty nice. If you're a cynic, you might think he offered the free exam becus if there was something wrong, he would make money on any subsequent dental work. But I tend to think he was just being a nice guy.

2. I had my carpenter/handyman over yesterday to patch some holes behind my kitchen stove, which I posted about yesterday. A lot of cold, drafty air was coming in through there. When I asked him how much I owed him, he said $25 for the 1 hour he was here, plus the cost of materials ($15), but said that since I wasn't working and he actually was doing pretty well, $20 for his time would be fine. He said he likes to pay it forward. I was short on cash but fished around for loose change in my purse and came up with $20 plus a "gold" coin that gives you a discount at the local Big Y supermarket, where I know he shops becus I've bumped into him there. He seemed fine with it.

3. The guy who mowed my lawn this summer sent me his bill for October, when he happened to mow only one time. It was $40 plus tax, and after I wrote out the check, I said hmm, I could have sworn I was paying him $45 per mowing. So I looked up the old bills and I was right. Either he gave me a $5 discount or he just messed up. I'm fairly sure it was the former because the last time he was here, I happened to come home while he was mowing and i guess he was just in the mood to talk becus when he saw me he turned off his mower and started talking to me about all sorts of things, maybe just to get to know me. We talked for about an hour! He's actually very attractive, but he's married.

So during that conversation he did learn I was laid off. And he was telling me that he just mowed lawns for "something to do" and didn't really have to work becus he was a co-inventor of some kind of road salt blend, which is now being sold by Home Depot and some other stores. So maybe he thought he'd give me a little discount?

Anyway, it really is a nice feeling when you know people are trying to help you out. Most of the time, the feeling I get is just the opposite...that people are just in it for the money and really don't care about you or your situation.

After the dentist, I had to go back to doctor's office becus I'm still getting daily headaches after taking antibiotics for Lyme for 3 weeks. We agreed to repeat the blood test and also test for the other 2 tick-borne illnesses, but she also gave me another 3 weeks of antibiotics to start right away if I wanted to, and I have started, though i don't like taking them. I'll have to go back to buying Kefir to replenish all the killed good bacteria and avoid an infection, and I'll have to watch my sun exposure.

The main thing, of course, is to get rid of the daily headaches. The last time I had a positive Lyme test was in 2012 and she said it was possible the original infection is resurfacing. In either case, the treatment is the same. I just hope it works.

I was also taking 4 different herbs along with the antibiotics. Two of them are listed as having headaches as a possible side effect, and I believe they at least contributed to my headaches in 2012, but at a much higher dose than I was taking this time around. But maybe I'm now more sensitive to the herbs? Not sure, but I agreed to cut out those 2 herbs completely. It's just a little scary becus the antibiotics don't always work, and that's why I was doing the herbs at the same time.

They're based on a well-known herbalist's research and you can find his website which is devoted to Lyme treatment by searching for Stephen Buhner.

As the days are getting increasingly colder, I remembered a gaping hole in the drywall behind my kitchen stove and decided I needed to do something about it.

I only discovered the hole when I replaced my stove many years ago, but I couldn't do much about it at the time since the guy was here to install the new one. So I stuffed some leftover insulation in the hole and that was that.

All these years, I get a very cold and constant draft coming up from behind the stove; I've stuffed old washcloths and dishtowels in the crevices but it doesn't really work.

So I called my handyman 2 days ago and he came here this afternoon to deal with it. There were actually 3 holes, the biggest one about 5 x 4 inches. He put in a new piece of drywall and then taped and compounded it. No one will ever see it, so we agreed the one coat of compound was enough.

We plugged the stove back in and pushed it about 6 inches from being flush with the wall, so the compound would have a chance to dry. I should be able to push it back tomorrow or the next day after it's completely dried.

He charged me $15 for materials and $20 for labor. He was here just 1 hour. I mean, how many guys would charge you so little? How many do you know who would even show up for a small job like that? He always gives me the receipt for materials so I know he's being honest. He knew I wasn't working and he said he was paying it forward.

I've been using him for at least 15 years. He struggled for work for a long time because he didn't want to pay the state for a license and so he never advertised. For the past 2 years, he found someone who owns a few apartment houses and keeps him busy nearly all the time.

I'm glad for him. He had reached a point where he couldn't pay his property taxes and the interest and penalties accumulated to about $35K; with the steady work he's doing, he's got that debt down to about $12K. I'm happy for him. He's a decent guy, the same person who I hired to help me clean out my mother's condo last year. He refused payment a few times, so I gave him a few things, including my mother's very nice stereo system and speakers, a boom box and some shelving.

And I'm so happy I eliminated a noticeable draft.

Whenever I see him I try to be supportive and be a good listener, becus he comes from a dysfunctional family. He's doing better these days.

I decided not to work on Election Day after all. They pay you $175, but it's an extremely long and tiring day that starts at 5:30 a.m. and goes til 9 p.m. So it comes out to about $9.50 an hour, which is not going to make or break me, either way.

What makes the day even tougher is that once you're there, in the gym, you can't leave til the polls close. So you have to bring whatever food you'll want to eat with you, becus you can't go out for lunch. But they don't have a microwave, stove or even a fridge, so whatever you have, it must store well in a cooler with ice paks. Sitting on cold metal chairs...as I get older, I'm less willing to do the things I've done in the past to make a dollar.

They usually get senior citizens helping out, and for the life of me, I don't know why they don't split the day into two shifts to make it more reasonable for older folks. They probably don't want to do the extra scheduling and paperwork that would be required.

I'm looking forward to watching the election returns come in live on TV.

We're in the middle of a pretty bad drought here. Talked to my neighbor last night, who told me they've had the pool water tanker truck there every other month. Each time it comes, it costs them $500; the truck can't make it all the way up their driveway, which is long and steep, so he has to run a hose, and apparently they charge extra for that.

But they don't have a choice becus they have 3 tenants that pay rent, plus 3 thirsty cows.

Never know what my family research will turn up. Last week I reached out to someone via Ancestry.com after my DNA results had indicated she was an "extremely likely" 2nd cousin.

(When I initially got the DNA results, Ancestry indicated there were about 35 people who were possible relatives. Of those, about 4 of them were ranked as "extremely likely" while the others were more distant relatives...3rd or 4th cousins... or who only had a "good" chance of being related. It's up to you to take it from there. So I contacted via Ancestry email the top 4, and this person was the only one who replied.)

I've been corresponding with her daughter ever since.

What we've got so far is this:

1. Her mother shares the same first name as one of my grandmother's sisters. She also shares the family last name of my grandmother.

2. My grandmother's family and this person's mother's family both lived in the Germantown neighborhood of Philly.

3. Her mother was born in NYC in 1944, the same year and the same general location where my great aunt moved to before giving birth. (Dad said my great aunt, who was not married and living in Philly, wanted to avoid shaming her family with an out of wedlock pregnancy, so it was arranged that she live in a back room behind a deli some friends of the family owned in NYC.)

4. Finally, we have DNA evidence.

5. Also in common is the first name of a younger brother and a sister, both of whose names came up on their end when she was trying to find her birth mother. She actually hired a company to do some research and talked on the phone with the younger brother mentioned above, who by that time resided in a nursing home.

We're wondering if this woman's mother is the daughter of my great aunt.

What still doesn't fit is that my dad told me grandma's sister KEPT the baby and later married the father, whereas the mother of the woman I connected with on Ancestry was adopted and has tried in the past to track down her parents.

If it wasn't for the DNA, I might chalk up all the other details to coincidence, but with the DNA, I'm convinced we still just haven't figured it out yet.

I have to ask Dad more questions.

In other news...
I belong to a local neighborhood Facebook page where people often ask for recommendations for one kind of service provider or another. Recently, someone was asking what local garage/car repair place they would recommend, and a lot of people raved about one particular local garage I had never tried.

So I needed an oil/filter change (and new wipers) and decided this would be a good time to try out the new place. I mean, how badly could they gouge you on lower priced services like these?

Umm, a lot, it seems. I wound up paying $61 for the oil/filter change (compare that to the $49 the Honda dealer charged me) and the wipers cost $47.

So I paid $121 for an oil change and wipers???? Yes, to my chagrin. I won't be going back there and I got my revenge by posting in detail on the same site about these charges. I could not find the special brand of "beam blade" wipers they put on, but on amazon the highest price for beam blade blades in general was $25 for a set of 2.

So I do feel gouged.

I went over to the library this afternoon to talk with the genealogist there to see if he could help me with any of my "dead ends," and well, the answer is no, he wasn't really helpful.

I got paid $175 for some freelance work I did and am expecting another check for $72 this week, along with a check for about $300 for an art sale last month.

I sent in the mini test assignment for the educational website job. I had asked her to clarify the payment becus they sent me a contract with nothing in it as to the rate. She told me the pay varies from .09 to .13 a word, which is acceptable to me. I won't really be sure how much that would come out to on an hourly basis until I do it, but for just this little mini assignment it came out to about $33/hr. I spent more time figuring out all their instructions, which I'm sure would come more easily to me with time.

Am hoping they like what I did becus I don't actually have the job yet. The editors will review the copy and make a decision from there. I don't think they're looking for Pulitzer Prize winning content, just something that's friendly and clear.

I've started watching the Mercy Street series on Amazon/PBS and it's pretty good.

Tomorrow I have a 9 am training session/Q&A with the registrars for the upcoming Election Day work. My biggest concern is getting up around 5 am.

Friday saw a little freelance writing work coming in from 3 different areas. It sure feels good to be busy.

I finished up a smallish legal report for one client this morning and helped another last night compose some job recommendation letters. He's looking for a new job and asked 2 colleagues to write referral letters; they said they'd sign something but wanted him to write it, so now he's given it to me. Considering I've never met this client, it's a little harder to do. He gave me some idea of what traits/talents he wanted me to emphasize, but still...

Then there was something I saw on Craig's List. It was a p/t freelance writing job for an educational (K-12) website. First I had to write a "test" paper for them. I spent over an hour on it, probably more time than I needed to. I won't get paid for that but I did well enough for them to return to me, this time with another little writing assignment for which I'll earn $25. It's an intro for something and it's just a few paragraphs long.

Once I pass that little test (I hope to knock it out tomorrow as it's due Tuesday) and assuming they're happy with my writing, I can then become a regular writer for them, writing as much as 3,000 words a week. Based on the $25 payment for the mini assignment and assuming that rate holds for future assignments, they pay .10 a word, or $300 gross a week.

That actually would come out to a decent amount each month, although she did say they can't guarantee that much on a regular basis but could promise at least 3,000 words a month. So my gross would be anywhere from $300 to $1300 a month.

In any event, it seems relatively easy and I can do it at home, as long as I meet their deadlines and follow the instructions.

It's actually the kind of p/t work I envisioned for myself in retirement...something that would keep me productive and occupied but not for 40 hours weekly. I'll be curious to see what I gross. $300 a week would total $1300 monthly, which could cover half my essential monthly expenses.

I'd prefer they paid me with a W2 instead of as an independent contractor, but it would be the latter. So I'll have to keep track of time spent so that I can report to the Dept of Labor how many hours of work I spend on it each week, so they would deduct the corresponding amount from my unemployment benefits, thereby lengthening the time those benefits will last.

I've been in touch with a woman on Ancestry who the DNA results indicate is an "extremely likely" 2nd cousin of mine, on my paternal grandmother's side. Her mother was adopted but after digging around her mother learned that her birth mother's name was the same as my grandmother's maiden name, and they both grew up in the same neighborhood (Germantown) in Philadelphia. In addition, her mother's birth mother's first name is the same as one of my grandmother's sisters. I'm wondering if she had a child out of wedlock and gave it up for adoption. I have to talk to dad about this when I see him tonight for dinner.

He has already told me how another one of my grandmother's sisters did become pregnant and the family, to avoid the "shame" of this, sent their daughter to live in a little room/apt above a deli of some friends of the family in NYC. I would imagine that must've been very tough for the girl to go through the whole pregnancy alone and away from her friends and family. She did end up keeping the baby and marrying the father. So it's possible that an unplanned pregnancy may have also happened with another one of grandma's sisters, with different results.

I took an hour-long walk today but really had to push myself to leave the house.

I had another great meal, this time a free lunch, at an area restaurant for another MS lecture/meal sponsored by the drug company. I met some nice people there and we talked for some time. I went off the vegan thing and thoroughly enjoyed a sirloin steak.

I got the gadget in the mail from Safeco to track my driving habits and plugged it in the car. Once I wrack up 100 miles the online program will begin indicating me how much money I'll save on the insurance and this will continue to fluctuate for the next 3 months (thru most of January) so I plan to minimize my driving and be especially careful about quick acceleration or braking. I'll be excited to see how this plays out. I could save as much as 30% on my premium, but I'm not sure if it's only for this year or not.

Despite the horrible $836 vet bill for Luther, I was able to squeak through the month of October in the black with an extra $106 more in income than expenses.

With the end of October comes something scarier than Halloween: the midway point for my unemployment benefits. This means I've gone thru 3 months of benefits and have just 3 months remaining. No doubt my anxiety level will grow as we get toward year's end.

We had our first snowfall today; it's cold and dreary, very overcast, and has been snowing on and off all day. I haven't been outside, even to get the mail.

As a result, I've done very little today. All I did was:

1. schedule an oil change and new wipers at local garage for next week

2. run the dishwasher

3 called my handyman about something I've been
wanting to get done

4. Had my last talk with the job coach my former employer paid for. I'll still have access (albeit more limited) to their online resources.

I haven't vacuumed, cleaned the bathtub or even read. Or done a hundred other things I could do. Mostly, I frittered away time online.

I want to reduce the amount off food I purchase that's contained in plastic, because BPA is not the only type of plastic harmful to human health. I already use a lot of glass containers to store food in, but there's still a lot I buy that comes in plastic. Like the cereal I like to mix with my own granola. Can't do much about that. I spent some time transferring food stored in plastic bags and put it in glass containers. I need to save more glass containers.

I organized my potentially tax-deductible job search expenses but can easily see how they won't come close to exceeding 2% of my AGI this year; it would be more likely next year becus my income could be lower. My income this year will be in the 60s, I think, so I'd have to have job search expenses in excess of $1200 in order to claim a deduction, and that just won't happen.

I turned the heat up to 64 degrees but am still wearing long underwear. It's chilly in here.

http://www.theglobeandmail.com/life/facts-and-arguments/as-my-friends-and-i-grow-older-were-setting-our-sights-on-communal-living/article32240746/

Does the thought of communal living in one's senior years appeal to anyone? I think it very interesting especially since even married women will likely outlive their husbands by a good many years.

Today's big event was driving about 50 minutes northeast to do a one-on-one focus group concerning a new app my health insurer is working on. I earned $100.

On the way home I stopped at Shop Rite and the bank to deposit some checks.

Since temps are dipping below freezing tonight, I brought the rest of my outdoor potted plants in the garage. I should really dig up the 2nd elephant ear since when I left it in the pot a few years ago it just rotted. When I dug up the first one (actually a lot of work) there were probably a dozen little baby bulbs I broke off, but I imagine they will only produce small elephant ears.

I blew a bunch of leaves in the driveway into a corner and hopefully will collect them all and dump them in a corner of the yard tomorrow. I used the B& D blower (aka cordless sweeper), which I absolutely LOVE using. It took an otherwise time-consuming chore of sweeping the driveway...if I had to sweep the whole 85 feet it would take over an hour....with the blower it takes about 5 minutes. The only part that's still manual is picking up the leaves, dropping them in the wheelbarrow and dumping it elsewhere. I suppose I could actually just blow them halfway down the driveway and then across the lawn into brushy area.

The only tricky thing is blowing leaves off stairs. They tend to get all over the place.

This a.m. I wrapped up a job application to the employer of Liz, here at SA. I've been in email communication with a recruiter there and hope to get a phone interview next. How cool would it be to land a job through a fellow blogger here?

Today I ate: granola with almond milk, 1/2 cup fresh blackberries, 2 cups hot tea, a bowl of vegan chili, a small head of steamed broccoli, a Della cotta squash, an apple, a piece of fruit leather, a tofu ice cream sandwich, a handful of macadamia nuts, a Kashi granola bar and some spinach garlic crackers with guacamole. I'm still hungry.

I got my Right Trak car tracking gadget from Safeco Insurance. Potential to save up to 30% as a good driver. I plugged it in and as soon as I activate it by driving a little, that will trigger an email to me telling me how I can find the website where I can track my progress over the next 3 months of driving and see how much I'm saving. Oh, what fun! I will try to drive like a little old lady!

I've been spending probably too much time watching TV and on the computer. So easy to pass the hours that way. I should be getting another freelance editing project within the next 2 days.

Yesterday dad and I headed to Jersey, about an hour-and-a-half ride. We stopped in briefly to see my half brother, and for the first time ever, I met my niece and nephew. I'm not really sure how old they are, but I think the older girl is in school. I took a cute picture of them with their dad.

After that we headed to my cousin's house. We met her 2 dogs, 3 cats and 3 parakeets. We took her out to lunch (at a place where my dad said he took my mother out to lunch when they were dating) and she and my dad had a great time reminiscing as they had both attended the same high school. Even though there is a more than 20 year age difference between them, turns out they both had many of the same teachers! My cousin's brother also remembers meeting my father when he started dating my mother.

I was able to finally deliver two pieces of my mother's art she had wanted to buy. I didn't charge her. She showed me about a half dozen other pieces of mom's art she had acquired at a local gallery, along with a photo album where she collected memorabilia and art stuff about my mom.

My cousin had been close to my grandparents because my grandfather regularly visited his brother (her father). When my grandmother died, my cousin got friendly with my mother, and they kept in touch. And it was when my mother died that I struck up a correspondence with my cousin, which now continues. She had said, too bad we hadn't been a part of each others' lives when we were younger. I agree.

We talked about doing Thanksgiving together. I had been surprised to learn that she spent the holidays alone last year. Her husband died around the time my mother passed away. She has a son in Florida, but he spends the holidays with his wife's family.

I was also alone during the holidays last year. My father went on a hunting trip Thanksgiving weekend and spent Christmas with my sister and her boyfriend. So the idea of having some family to spend it with sounded pretty great to me.

I think we both need to start some new traditions. We talked last night and I told her to think about it as I don't want to intrude if she really doesn't feel like it.

Today, after all that driving, I just relaxed around the house. I did go to BJs and fill up the gas tank, but otherwise started reading My Brilliant Friend for the next book club meeting in November.

Upcoming week:
Tomorrow I'm lunching with a friend from old job who also got laid off.

Also hope to go to the library and talk to genealogy pro about one of the things I'm stuck on.

On Wednesday I have a focus group meeting and that will be a bit of a drive, but will do it for $100.

Thursday: Bereavement group

On Friday I have another MS lecture/luncheon at a local restaurant. Hard to pass up a free lunch.

I also have another small freelance editing assignment which will probably generate $75.

I earned another quarterly $25 credit from by Bank of America Better Balance rewards card. I earn $25 every quarter; all i have to do is make one purchase each month using the card. How easy is that?

Here's an interesting story about how to work those cards...

http://www.marketwatch.com/story/the-points-guy-brian-kelly-once-you-fly-first-class-you-cant-go-back-to-coach-2016-09-15

More pix from another walk around the center of town. Main Street is lined with historic homes and is also where you can find the library, police station, old town hall and general store.


This is actually a historic flagpole. It stands in the center of a busy intersection (most especially during rush hour and Saturday mornings) and has the distinction of having the highest accident rate in town! However, due to its being on historic Main Street in a very scenic area, the townspeople have fought prior attempts to install a traffic light there.








I used to work in the small brick building you see here for a small PR agency. My work areas was on the first floor, by the 2 windows to right of the door. It was a very small space; there were 6 of us working there (2 p/t). The bathroom was the size of an airplane bathroom. Once I was alone in the building on a winter's day and the frozen pipes burstand flooded the first floor. Buy working here was great because I could walk to work in 15 minutes, and often did, though crossing the street to get there (at the flagpole shown above) was kind of dicey, even though there was a crosswalk.


This was our old town hall, built in 1930. The town outgrew the space and now has a much larger "municipal center" in another location. This building is still used for various functions. It also houses our single screen movie theater, where they recently raised the admission price to $3 (from $2). This is where my yoga classes are, in the gym. The smaller red building at the left is the general store, where you can get a great sandwich. My dad and I were here last week.


My street

Yesterday's news....
I got a check for $20 from the Linked In class action settlement.

I went to the clinical skin product test thing yesterday and was deemed "ineligible" for the survey because the inside of my lower arms did not have even skin tone, according to the person who inspected me. So I'll just get paid $20 instead of $55. So I guess I won't go for one of their skin care product studies again, but they do other things, like focus groups and food taste testings.

Still looking for work, of course. I see very few that I could apply for. Of the copywriting jobs I see, I would be overqualified for many. There are very few where I recognize I might not be quite up to snuff as far as required qualifications they're looking for. One reason I'm seeing so few possibilities is because I've limited my search to a geographic area that would be commutable in 40 minutes or less. Because I hate driving and all that it entails (like getting up earlier and less free time).

I sent a fairly long email reply back to the Lutheran church pastor in Germany who helped me with the family tree research. He was open to continued correspondence. I just would find it very interesting. So next time I will send him some of the pix shown here, to give him an idea what my town is like. I would love it if he could do the same! Maybe even take a picture of my grandfather's old address!!

Met my friend R. at the dog park this morning. His dog seemed to enjoy being off leash, though it's an older dog. Could not persuade R. to take a little walk with me in beautiful nearby open meadows. He told me he couldn't walk further than 100 feet. At 40, he was so rakishly handsome. Today, he is obese. So sad. He does not act motivated to improve his health.

Liberty Mutual, aka Safeco, has renewed my auto policy and has accepted my registration for "Right Trak." I should get the device in the mail in a few weeks and then I'll attach it to the car for the next 90 days, when I will attempt to drive like an angel to lower my premium. Can't wait to get started.

Dad came over this am as well. By offering to email a bunch of paperwork NJ DMV required to prove his car insurance was reinstated by The Hartford, I kept him from having to drive 4 hours there and back to do it in person. Apparently, he transposed a few letters on his auto policy number when he mailed in his renewal payment, and since that happened 3 months ago it's been nothing but repeated phone calls, hassles and headaches with both The Hartford and now DMV.

Regardless of the transposed numbers, they had his name and SS and should have been able to figure it out but they've made him jump thru hoops and he is beyond angry about it. Every time you have to call them, you talk to someone new who has no idea what you're talking about. I have tried to run interference for him and deal with the reps on the phone, but it's pretty much been the same thing anyway.

Problem was, in the long recording when you call NJ DMV, they DO provide their email address so you can email stuff to them, but unlike anywhere else I've heard email addresses spelled out in a phone call, they did NOT say "D as in David, a as in aunt," etc so they simply spelled it and i guess i heard it wrong (called twice and wrote it down) becus my email was bounced back to me. So then we were forced to go to go to local library to fax the paperwork, which cost about $5 with my credit card.

After this we went to the General Store for some very good sandwiches; we ate there. The store dates back to the 1860s.

I applied for a few (two) freelance writing jobs I found on Craig's List. I find quite a few writing jobs there; it's like a secret job source most people I know don't seem to know about.

I found this on my front steps the other day:



I unearthed some calladium and calla lily bulbs i had in pots, dried them in the sun and will overwinter them in dry peat moss in the basement. For the calla lily bulbs, it said make sure the space is at least 60 degrees, which is probably a little warmer than my basement, so may have to move them again to somewhere. Maybe a closet shelf.

I need to get a haircut and saved a $9 coupon for Great Clips. Maybe tomorrow.

Well, I don't know why, but I've been skipping out on more and more Saturday yoga. I really like the idea of doing yoga and appreciate all of its health benefits, but I don't know, I usually wind up blowing it off.

I have been walking more. I just started a weeklong challenge (or is it 2 weeks?) that Dido is doing to see how many steps you can rack up. I've got 34,000 steps since Monday.

This week I dropped off some new art and took back some unsold art from a newer gallery I'm dealing with. It annoys me that as she carefully studies each new piece I bring, she finds it necessary to critique it, whether it's the frame,the background color or something else. ANNOYING. But she did sell one piece so far, for $325 (my net $210).

I won't get paid til the start of next month as that's how she does billing/accts payable.

In January I'll also net $2041 from the other gallery. It was my choice to be paid this way. She paid me $590 now and the rest will come next year, when my overall annual income will likely be lower since I'm not working. Thus I may fall into the 15% tax bracket instead of the 25% bracket.

Anyway, the man who bought 5 pieces came back a week later and bought 3 more. So considering that I no longer have my biggest freelance client to depend on for income, these art sales will be helpful.

I am still having to give Luther 2 meds post-teeth extraction. The pills are easy, as he swallows pill pockets whole, but the antibiotic i have to squirt in his mouth, and he doesn't like it.

Returned to BJs so they could correct a cashier error in charging me twice for a vitamin 2-pack. More and more, I dislike the whole security thing when you leave there and have to 1. Stand in line a 2nd time and 2. Wait for someone to examine your purchases. Makes me feel like a criminal. What a negative customer experience, and yet, we've all been conditioned to accept this extra layer of scrutiny as "normal." I mean, if I were going to steal something, I can't exactly hide a big box of you-name-it under my coat.

I want to try to do some outdoor chores today while the weather's still so cooperative becus i know as soon as it gets chilly it will be much harder. Just things like emptying out some pots with calla lily and elephant ear bulbs, letting them dry out in the sun for a day or two and then overwintering them in peat moss. Also, bring in other plants (I think we had a frost last night)and plant the gorgeous crimson mums I bought last week.

There IS a local craft fair which i usually can't resist. I shouldn't buy anything. Tomorrow is a Pet Expo where you can get lots of free samples.

Dinner tonight with dad.

Next week going down to Jersey with dad to deliver 2 pieces of art to my cousin. Finally! I wanted to do this last spring but didn't get the invite. She knew I wanted to come down, but maybe she didn't feel ready. Her husband died around the time my mother did. So I didn't push it. But dad asked again about it because I know he was looking forward to seeing her, so I sent her a friendly email and that we were coming down to Jersey and could we "drop off" the art while we were in the area. So now we have a date to do so.

My cousin said she heard the Billy Joel song where he mentions the Parkway Diner dad and I ate at...twice...during our family research road trips. It's a diner that's been there forever, and it's likely that all 4 of my grandparents ate there at some point it their lives, before I was born. And now I have eaten there,after they are all gone. Such a strange feeling about that diner.

Coming up next week is get-together with friend at dog park for chit chat and 2 MS lecture dinners. I may only make it to one. I'm also doing a paid skin care study.

Also want to make it to the Monday afternoon thing at library where a guy offers his help in family tree research. I want to find out details of my grandfather serving time in state prison in 1930. I did call Elmira and they only have inmate records going back to the 1970s. They suggested i call the county where he lived at the time of his conviction, which was New York County/Manhattan. They didn't know anything but later online I found the NY state archives, and the guy who answered the phone took grandpa's name, DOB and year of incarceration and told me he'd see if he could find anything and get back to me next week. Just like that.

Sometimes I'm amazed at the relative simplicity of learning something, or conversely, how difficult it can be to find something that seems fairly simple and straightforward.

The state archives man said he won't positively have anything as their records are apparently spotty and there are many different kinds of records and lists, all related to prison. So we'll see.

I knew from what Grandma told me the 5 brothers were involved in things like racketeering, with possible mob connections, so this would be very interesting to learn; I'm pretty sure my mother knew nothing about itt. My dad didn't.

This month I didn't do too well attending meetings of interest to me. I skipped the genealogy meeting, the historical club meeting and the garden club. I did make it to the book club and I did attend the 2nd session of the bereavement group meeting.

Another roundup of credit card rewards for those with good credit.

http://www.nytimes.com/2016/10/01/your-money/how-to-pick-the-best-credit-card-based-on-rewards.html?action=click®ion=SF&module=bizseriespromo

I was dropping off some stuff at the metal recycling area of our local transfer station/aka "the dump."

I was so excited to find this!


It's in really great shape! The only thing wrong with it is that it was missing one of its 5 casters. So I threw it in the back seat (you're not supposed to "scavenge") and when I got home, I took one of the identical black plastic casters off my existing office chair and put it on the new (old) chair.

Perfecto!

I am happy to replace my current chair, which actually I also got for free when an office I was working at in town closed about 8 years ago. Both of its arms have been chewed on by Luther, during his early days when he "explored" his world by trying to eat everything. I think he has outgrown that stage now.

I had put black duct tape around the 2 armchair ends and that helped patch it up somewhat, but over time the duct tape is unraveling and it's looking a little shoddy. The new chair also has a much smaller footprint overall, which works and looks better in my small office.

This morning, dad came over to return a trowel i left there when we planted garlic and I showed him his DNA results from Ancestry.com. We have concluded that my dad's father's family must have emigrated from somewhere in Eastern Europe before they landed in Germany. My grandmother's family, on the other hand, is about as Irish as they come.

Interestingly, my dad does not share the 6% Jewish European component that I have, so that part must have come from my mother's family, also Eastern European. One thing my dad did have, albeit at less than 1%, was some DNA showing Finnish/Russian descent.

After dad left, I went to the dump and then for a walk. I stopped at the farmer's market and bought a bunch of organic arugula, tomatoes and dark purple peppers.

It's a gorgeous day.