cash for gems

Filed Under (Education, chocolate poker chips) by Flo on 06-06-2008

So over the course of this week Hubby and I have pretty much thrashed out the moving to Colorado thing.  It’s definitely going to happen and it’s very, very exciting.  The thing is I don’t want to work a regular job when we get there and neither does Hubby.  But, we were thinking, when we first move we may have to take regular jobs until we get set up and established.  That really sucks because I don’t want to do that.  So yesterday, as I was cruising the want ads in Colorado, it hit me.  Teaching!!!  I’ve been wanting to get my teaching certificate for a couple of years now but quite honestly I don’t want to teach here in Hawaii.  A little investigation revealed that Hawaii and Colorado have a reciprocal teaching agreement.  In other words, a teaching certificate from Hawaii is good in Colorado.  Very exciting.  So I’m off getting information on the teaching program and trying to get registered since it’s already summer.  Seems like there’s more changes every day…..

florida investment property

Filed Under (text messaging software, limo hire) by Flo on 05-06-2008

I have talked about this before and now I’m going to do something about it. What you may ask?? Advertising!! What exactly does that mean?? Am I going to take out an ad in the newspaper??? No. Am I going to rent a billboard?? No. Am I going to buy a commercial on TV?? No. So what, you might ask again, am I going to do??? I’m going to get business cards. I have talked about this before but now it really takes on a whole new meaning. Since we are going to be moving to Colorado (notice how I managed to work that in :)) and I really don’t plan on having a ‘regular’ job, I want to spend the next 12-18 months building up my blogs so that they make some money. The only way to do that is through advertising. I’m working on the internet social networking thing. But I want to spread the word to more then just other bloggers. I want to be able to hand out cards to people I meet that get them to go to my blogs and maybe start reading blogs. I don’t want to preach to the choir. I want to draw a whole new crowd into the church of blogging.

How, you might ask, do I plan to do that?? Business cards. Instead of the standard business card, I’m going to get a card that has a snappy saying and my blog’s URL. I will hand these out when I meet people I want to blog about. They will then know who I am, what I do, and where to find the post about them. I am going to do this tonight. Where am I going to get these fine cards??? Vista Print, the granddaddy of all business card printers. But, you know what??? They aren’t just business cards anymore. No way!!! They also do checks, rubber stamps, announcements, car magnets, address labels, all personalized with your wording and your pictures if you want. Totally cool. They also have these really neat things called text messaging software. These can announce special events like parties or celebrations. They can be calendars themselves. You can use them for your business. I have an appliance repair place that gave me one of these. I keep it right on fridge so if I need them again I know where to find them. These are a great idea. Who doesn’t love magnets?? You can use them at home or in the office.

Okay, seriously, I have talked about this so many times but now I’m off to order them. If I just put my blog I can use them in Colorado :)

She’s talking about Colorado again…..

Filed Under (Colorado, Life) by Flo on 05-06-2008

So there will be lots of moving talk on this blog. Just a warning. Anyone who has lived in Colorado or does live there now, please speak up. I have tons of questions to ask and haven’t found anyone to ask them of yet. We are looking in the Denver/Colorado Springs area. I want to be near a big city but I no longer want to live in one. I’ve looked at homes for sale around that area and it seems that you can get land for a fairly decent price in that area. Anyway, I’m very excited and looking forward to learning all there is to know about Colorado.

I’m glad we have a while before we’re moving. There are a lot of logistics to plan when moving this far. When we moved here to Hawaii it was kind of on the spur of the moment. It’s a complicated story but I’ll tell you the decision was made and 3 weeks later we were here. It was a wild ride. This time will be different since we have animals to move and no one we know there. It’s all very exciting.

Once we live on the mainland I think we will do a lot more. There are just so many more opportunities then there are here. Doing anything here takes planning and costs a lot of money. It’s crazy. Once we are back on the mainland, I may look into Sea Pines rentals and visit Hilton Head. I’ve never been there.

Well, I really need to get ready for work.  That’s another thing I’m not going to miss - work.  When we move we are going to work it so I don’t have to work outside.  I’ll probably start my own business like pet sitting or something along those lines.  Okay, that’s it, I’m off.

Ludoto Rinku-Rinku: Fun Meme

Filed Under (Fun Stuff) by Flo on 03-06-2008

Mrs. Mecomber, over at New York Renovator, has tagged me with this meme. I love these things.

japanese-wordscopy.jpg So the idea is to translate your name into Japanese. Fun….. Let’s see…..

Flo = Lutamo (sounds like an 80’s boy band)

Let’s see, how about Sam = Arikarin

Or the newest member of the family, Peanut= Nokukatodochi (I think I’ve eaten at this restaurant :))

Now I’m supposed to tag some folks but I really hate doing that. If you want to play consider yourself tagged. It really is fun.

Ch-ch-ch-changes

Filed Under (Colorado, Moving, Life) by Flo on 03-06-2008

So things are changing. Hubby and I have decided it’s about time to move back to the mainland. We are thinking of Colorado. I’m very, very excited and it can’t happen soon enough for me.

There’s a lot of reasons behind this decision, not the least of which it’s very hard living in Hawaii. Prices on everything are high. Going on vacation costs an arm and a leg, even if you’re just going to the outer island. It really is necessary to work a couple of jobs to survive. Okay, that’s not totally true. We could survive on what we make from our regular jobs, but I don’t want to just survive. I want to live. These things weren’t so bad when we were younger. But now we’re getting older, retirement is not that far in the future. We want to buy a house; if we do that here we’ll never be able to retire. Also, there’s the whole idea of being closer to our kids. We’ll be in different states but at least on the same continent :) So it’s all very exciting and I’m looking forward to it. It’s not going to happen right away. We have two very ancient dogs and we plan on waiting until they are gone. Unfortunately I really believe it won’t be that much longer.

I’ve already looked at properties in Colorado and for less than $400,000 you can get acres of land with a big house, barns, garages, etc. It’s awesome. Do you know what $400,000 gets you here?? A 400 sq ft studio in Waikiki. I’m not kidding. A single family home on a small lot here will cost you at least $700,000. It’s insane. I was thinking about it this morning and I guess that’s why we got real close to buying a house but never took the final step. Something always held me back. I think because deep down inside this is not what I wanted.

I’ve had a dream of having land and animals since I was a little kid. When I was younger I didn’t want to settle down just yet and when we moved here I thought I’d have to give up that dream. But now the dream rises from the ashes. I want a couple of acres. I want to have a really decent sized vegetable garden. I want to have chickens, maybe a horse or two. I want to have dogs and birds. I want to run a kennel and a doggie daycare. I want to can vegetables and bake bread and work hard and get dirty and be happily tired at the end of the day. That really has always been my dream and it looks like I might finally get to live it. I want time to draw and learn to play the guitar and work on my arts and crafts and learn photography. I no longer want to spend the majority of my day working for someone else. I’ve done that for 30 years and I’m tired of it.

As you can see I’m very excited about this. I look forward to the next year, getting ready and planning the move. I have lots to do; decide where to live, save some money, find a property, etc. Looks like I won’t be buying any Parmigiani watches but that’s okay. It’s going to be an exciting time.

There’s changes afoot…..

Filed Under (Finances, Life) by Flo on 03-06-2008

Changes are definitely afoot. I’ll go into more detail later but this morning I’ve been going over some bills and thinking about credit. I’ve mentioned before how I’ve worked very hard to straighten out some credit problems. And I’ve done that. Now we are moving on to bigger and better things.

But I was going through our credit cards and thinking about them. It’s kind of easy when your credit is not great, you have very limited choices of credit cards. And it’s a giant catch-22, you have to have credit to build credit. But if you don’t have or have bad credit it’s hard to get credit - it’s a vicious circle. Anyway, when our credit was lousy there were only a few cards we could get. They usually had low credit limits and high interest rates. But we got them and used them responsibily and our credit got better. Now we have some very good cards with low interest rates and high limits, it does pay off.

But, there are so many credit cards out there and you really should have cards that will work for you, for whatever your goals are. You can get cards that offer airline miles, cash back, rewards, low interest rate, no annual fees, etc. I know people who have cards that offer airline miles which they use to pay all their expenses during the month. They then pay the card off at the end of the month but they’ve racked up a whole bunch of miles. Whenever they want to go somewhere they generally have enough miles to fly free. This works well for them. Maybe you don’t use your card very often and a no annual fee card would be best for you. There are thousands of ways to go.

The best thing to do is to compare cards. This site allows you to do credit card reviews of all the major cards. They have the cards broken down by category, or issuer. They explain the difference between credit cards and charge cards (and there is a difference). It’s a very useful site with lots of info. If you’re looking for a new credit card, or if your situation has changed you might want to check this site out and see what’s available. The market is constantly changing.

Self-Portrait Sunday: 6-1-08

Filed Under (SPS) by Flo on 01-06-2008

It’s that time again. I thought about this all day but for a variety of reasons just didn’t get it done. Now, we’re getting ready to head off to a party and I decided to post this before I left. I took these pictures the other day trying to get a good picture of me and Sam for a forum I’m on. Sam is, apparently, camera shy. I used one yesterday for Photo Hunt and here’s another one today:

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It’s a little blurry but that’s what happens when you work with animals :) With Sam in front of my face, you can’t tell if I need acne treatments, but at my age I think I’m safe. Now I’m off to Midlife Musings to see who else played today.

This is crazy!!

Filed Under (Finances, Life) by Flo on 31-05-2008

I’ve blogged before about my past credit problems. Due to some stupid mistakes we ended up in a bit of a mess. It was all our own fault, but I’ve straightened everything out and finally things are good. I know how hard it is to clean up your credit when you’ve screwed it up yourself. I can imagine how horrible it’d be to try and clean it up after someone stole it. That’s why I’ve seriously considered getting lifelock once everything was done. Up to this point we’ve been doing to many things to have someone monitoring our credit reports, there was too much activity.

I’ve looked into Lifelock and really like what they do. They monitor your credit to make sure no one steals it. They opt you out of pre-screened offers so you stop getting all those annoying credit offers. And, if something does happen, not only will they pay the expenses up to $1 million dollars, they will help you fix it. Fixing something like this can take an insane amount of time. Having someone hold your hand and walk you through the process would be priceless.

Now in all honesty you can do all of these things yourself. You have the right to somehow lock your credit so noone can access it without your permission. You can also contact all the credit agencies to opt out of those pre-screened offers. Which, when I think about it, really pisses me off. Did you know that the credit agencies sell your info to anyone with enough cash?? That really ticks me off but they have the right to do that. Anyway, you can do all these things yourself but since no system is perfect, having someone with experience on your side if something does happen is worth more than $10 a month. You can mow your own lawn, but that doesn’t mean you’re very good at it. You can fix your own plumbing, but that doesn’t mean it will be right. There are lots of things you can do yourself that you hire other people to do. That’s because they have the expertise and experience in that area. You are not necessarily paying them to do the work, you are buying their knowledge.

Now it turns out that Experian, one of the big 3 credit reporting agencies, has sued Lifelock. Seems they say that a third party can’t place fraud alerts for you. Which means you have to place the fraud alerts yourself. Actually, what I think, is that it costs Experian to place those alerts and they want to limit how many are placed. They would rather leave you unprotected and vulnerable to identity theft than place these fraud alerts from Lifelock. Crazy huh???

Stuff like this just makes me crazy. Identity theft is the fastest growing crime in the country. An enterprising company has figured out a way to provide a necessary service and the giants in the industry are trying to stop them. If people are willing to pay them to provide this service I think they should be allowed to do it.

Okay, I’m off the soapbox. Back to our regularly scheduled ramblings…….

Photo Hunt: Self

Filed Under (Photo Hunters) by Flo on 31-05-2008

photo-hunt.gif

Today’s photo hunt is a picture of yourself. I have lots of those because I do Self Portrait Sunday. I, however, will use one that I haven’t posted before just to provide some variety.

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That’s me and Sammy goofing around. I was trying to get a picture with him facing the camera but he kept turning away at the last second. Guess he’s camera shy. Either that or he’s trying to tell me I should open more savings accounts.

If you want to join the fun just head over to tnchick and check it out. Right now I’m off to a meeting but I’ll be checking out everyone else’s a little bit later.

No Fishing

Filed Under (Hawaii) by Flo on 30-05-2008

I work in an area of Honolulu known as Mapunapuna. It’s near the airport. If you’ve ever visited Oahu you’ve driven past Mapunapuna. Mapunapuna is a small, commercial area. There are lots of auto mechanics, storage places, trucking companies, things like that. This corner is kind of the hub of Mapunapuna:
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This corner is very famous with the locals. This corner is very close to the ocean, about 3 blocks, and floods every time the high tide exceeds 3′. Here it is this afternoon during the high tide:
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Notice that the water is over the curb. When giving directions in this area you reference this corner, we are 2 blocks from the corner that floods. Notice also how high up the storage place is. That was built last year and they built up the land so the building is above the water. The business that used to be there kept flooding and they ended up moving.

This is the cross street which also gets flooded:
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Twice a year we have super high tides. When they occur this whole intersection is under water and this street is completely flooded. It’s crazy.

People have complained to the city for years about this corner and apparently there’s nothing that can be done. The street in this area is slowly sinking and only shutting the area down and rebuilding the entire street will fix the problem. Actually, that might not even fix the problem. When we first opened our lab in this area I did not realize that this was sea water. I would drive through it, slowly. After about a year I took my car in for service and my entire muffler system was rusted out. It cost me over $2000 to fix since the catalytic converter rusted also. I was pissed.

Anyway, the real reason for this entire post is this:
no fishing

Since there’s nothing that can be done about the flooding we might as well laugh.