Thursday, May 08, 2008

With Mothers Day upon us......

WHY GOD MADE MOMS*
(Answers given by 2nd grade school children to the following questions.) Thanks to Richard Sutton for sending me this one.

Why did God make mothers?
1. She's the only one who knows where the scotch tape is.
2. Mostly to clean the house.
3. To help us out of there when we were getting born.


How did God make mothers?
1. He used dirt, just like for the rest of us.
2. Magic plus super powers and a lot of stirring.
3. God made my Mom just the same like he made me. He just used bigger parts.


What ingredients are mothers made of?
1. God makes mothers out of clouds and angel hair and everything nice in the world and one dab of mean.
2. They had to get their start from men's bones. Then they mostly use string, I think.

Why did God give you your mother and not some other mom?
1. We're related.
2. God knew she likes me a lot more than other people's moms like me.


What kind of little girl was your mom?
1. My Mom has always been my mom and none of that other stuff.
2. I don't know because I wasn't there, but my guess would be pretty bossy.
3. They say she used to be nice.


What did mom need to know about dad before she married him?
1. His last name.
2. She had to know his background. Like is he a crook? Does he get drunk on beer?
3. Does he make at least $800 a year? Did he say NO to drugs and YES to chores?


Why did your mom marry your dad?
1. My dad makes the best spaghetti in the world. And my Mom eats a lot.
2. She got too old to do anything else with him.
3. My grandma says that Mom didn't have her thinking cap on.


Who's the boss at your house?
1. Mom doesn't want to be boss, but she has to because dad's such a goof ball.
2. Mom. You can tell by room inspection. She sees the stuff under the bed.
3. I guess Mom is, but only because she has a lot more to do than dad.


What's the difference between moms & dads?
1. Moms work at work and work at home and dads just go to work at work.
2. Moms know how to talk to teachers without scaring them.
3. Dads are taller & stronger, but moms have all the real power 'cause that's who you got to ask if you want to sleep over at your friend's.
4. Moms have magic, they make you feel better without medicine.


What does your mom do in her spare time?
1. Mothers don't do spare time.
2. To hear her tell it, she pays bills all day long.


What would it take to make your mom perfect?
1. On the inside she's already perfect. Outside, I think some kind of plastic surgery.
2. Diet. You know, her hair. I'd diet, maybe blue.


If you could change one thing about your mom, what would it be?
1. She has this weird thing about me keeping my room clean. I'd get rid of that.
2. I'd make my mom smarter. Then she would know it was my sister who did it and not me.
3. I would like for her to get rid of those invisible eyes on the back of her head.


Note from Lucy: It's been 24 years since my own mother died at the tender age of 57. I love her very much and still miss her today. She raised four children within 5 years of each other. I was the oldest, Barbara next at exactly 2 years to the date, then Pat 18 months later, and last but not least, my brother Donny, 15 months after Pat.....I always wondered why she was half crazy and after having kids of my own, I know why......I really don't know how she managed us all so close in age. We grew up with very little money but we felt rich with all the love that was shared. I feel very grateful to have had good parents. I wish my mom had been her longer to see her grandkids grow up, hopefully she is watching us all from above. Happy Mothers Day, Mom... (I have to say, that TF's mom is the best! I love her too.)

Monday, May 05, 2008

Vacation for Less....

From the Dollar Stretcher website:
by Judith A. Filangeri
Cutting costs without cutting the pleasure out of the trip

Ahhh! The very thought of vacation makes us wax positively poetic. "Summer afternoon - summer afternoon...the two most beautiful words in the English language." Henry James certainly got that right. Now, let's get practical.

AAA has been tracking vacation costs since 1950, when the average daily cost of meals and lodging for a family of four was $13. As of 2007, food and lodging for that family was up to an average of $269 a day, with lodging being the main
inflation driver. Remember that "average" includes places like Hawaii, which are up over $600 a day, as well North Dakota, which are under $200. And then there's the skyrocketing cost of gas.

So if you're planning to pack the family suitcases and get out of town, whether to the cabin on the lake or more exotic fare, are there any ways to cut costs without cutting the pleasure out of the trip? You betcha!

Air Fares: If you're flying, check the Internet sites (Priceline.com, Expedia.com, Orbitz.com, Travelocity.com, etc.) and don't forget the actual airline sites. Many airlines offer special travel packages. Fares are also often lower if you fly on Tuesdays, Wednesdays and Saturdays. The more flexible you can be the better chance you have at savings. Note from Lucy: TF and I just recently purchased some good airfare on www.cheaptickets.com

Auto Care and Repair: If you're driving, get your car checked out and tuned up at home before you go. You'll avoid potential expensive emergency towing and repairs.

Gas Prices: Get off the interstate if you can. Gas is always a few cents cheaper. And remember that a well-tuned car eats less gas.

Food: If you have the luxury of getting off the interstate, you can often find much less expensive restaurants. Consider a picnic in a park you will pass en route. A picnic has the added advantage of letting the kids run off some steam. Consider choosing a motel where the rooms have a kitchen. This is not to suggest that you make all your meals there. What kind of vacation is that? However, it's not a bad idea for the evening snack, the occasional pizza, or even for a continental breakfast. And you can keep picnic food for some of your day excursions in the room refrigerator. Note from Lucy: I try to pack a cooler with veggies that we can snack on as we travel. It can be refilled all during the trip.

Plan Ahead: If you know where you're going, write (or email)the local Chamber of Commerce or Bureau of Tourism. Tell them what your interests are. You will often get free maps, suggested hotels and restaurants, and valuable sight seeing tips. After all, these folks know the area a lot better than you do. Sometimes there are even discount coupons for restaurants and sights. If you're an AAA member, get a TripTik. Many motels and restaurants have free coupon booklets available. Keep in mind, also, that some local sights have picnic areas attached.
Note from Lucy: I usually purchase an Entertainment Book for the area we are going to for discount coupons to use on the trip. Right now you can get an Entertainment book for $ 15.00 on their website. I have ordered one for our trip, to New York City, this coming July..

Lodging: As with airfares, many hotels can be booked online. Whether you're booking online or stopping more spontaneously, remember that most hotels and motels offer discounts for AAA, for AARP, and sometimes just for asking. Even if you aren't sure you qualify for anything, always ask if there is a discount rate available. The worst that can happen is that they'll say no. And don't count on the travel websites having the lowest rates. Often the hotel website will offer a special that isn't available elsewhere. Note from Lucy: Check the Entertainment book for good hotel rates..

Souvenirs: Ah, souvenirs. Wood carvings and trinkets (most of them made in Taiwan or Mexico) that are hardly local crafts unless you're in Taiwan or Mexico. Saving money here is exercising common sense and self-control. Are you really going to wear that serape or peasant blouse once you're home? Set a budget. For example, everyone gets to buy one thing only and no more than $XX.00. Or set a theme. We get souvenirs to jog the memory of happy times. Good memory joggers are postcards, key chains, or even ticket stubs and brochures from places you visit. Keep them all together and make a scrapbook with the kids when you get home or integrate them with your photos. T-shirts are another option. Or select one special item that can be hung on the Christmas tree to remember the family vacation.

Finally, leave yourself some down time. It's good to plan, but don't over plan. Just because you know every single sight seeing option in an area doesn't mean you have to visit them all. A vacation is not a to-do list. Sci-fi writer Ray Bradbury said it best: "Half the fun of travel is the aesthetic of lostness" Chill. Relax. You don't want to return from a vacation needing one more than when you left.

Have a wonderful vacation!

Note from Lucy: There are a lot of good ideas here which can save you money on this years vacation. Every year my brother and two sisters and I go on a week trip down to Galveston in June. This year we planned to go to Destin, Flordia for our trip. We planned this trip in Janurary and my sister Pat made the reservations at the RV park. As gas prices started going higher and higher, I called my sister and told her that it would not be wise to go such a distance. We calculated that it would cost us $ 200.00 each way and with two vechiles, that amounted to $ 800.00 just for gas. We decided that Galvestion would be much closer to home and less expensive to go to. The main purpose of the trip is to be together as family and that can be done anywhere.

Have a great week everyone....

Monday, April 28, 2008

Balance Transfer? Beware!

Balance Transfer? Beware!
by Justin Ripley
Knowing the ins and outs of balance transfers

When I was in college, I got a summer job working at a call center for a major credit card issuer. When I first got the job, I thought it would be great. In an air-conditioned office, I would be sitting down and talking on the phone. It sure sounded a lot better than working on the construction site in the hot summer sun. However, after six weeks, I could no longer take the monotony of the job and the constant abuse on the phone. (We were telemarketing, of course.) So, I quit
the job but not without learning a great deal about the intricacies of the credit card industry. I also learned a number of tips that can help save you money.

Almost everyone has a credit card, usually several, but it's been my observation that most people don't really understand how they work. The credit card companies, of course, prefer it this way, as it makes it easier for them to make money on you.

You've probably received them. Calls or mail from credit card companies, soliciting you to transfer a balance from another credit card account to their credit card. It sounds like a good deal. They tell you that you can move an existing balance
from your MasterCard where you might be paying 19% interest to their Visa card where you will only pay 3% interest. They can tell you how much you'll save in the very first month, and if you're talking about a significant balance, the savings can
indeed be substantial. So, what's the problem? Why not take advantage?

Trick 1: It's Temporary

The first thing you need to know is that the balance transfer rate is temporary. It often lasts for only six months or maybe a year. After this period, the rate will skyrocket to something more like 19%. Most people know this though and can plan accordingly to pay the amount off before the rate goes back up. It's the most basic trick. In fact, I'd allege that it's the one they want you to see. If you think you know the trick you lower your guard, then they trick you again!

Trick 2: Those Devilish Details

"Payments will be applied to balances with lower APRs prior to balances with standard APRs." That statement or something similar to it will appear in the fine print of the offer. If you're being sold a balance transfer over the phone, the
salesperson is actually required to say it. But what exactly does it mean?

Generally, your credit card company distinguishes between different types of card use and the associated balances. Let's call these "buckets." The first bucket is the most common. It is the bucket where all purchases on your card go and it is
almost always at a high rate of interest. When you go out and buy a new HD television on your credit card, this is the bucket it falls in. A month later, you get a bill, and if you don't pay off the balance in full, you'll pay the high rate on
the remaining balance.

Bucket two is for cash advances. This is also at a high rate of interest. Sometimes even higher than the purchase rate. Some people are not aware of it, but you can actually use your credit card to get money from an ATM machine in the form of a
cash advance.

Bucket three is reserved for balance transfers and it is often a rate that is considerably lower than the other rates available on your card. This is where you most often see those 3% or even 0% introductory rates.

So, this is where the tricky business kicks in. Let's say you transferred $1200 from another card (Card A) to a great 0% interest rate offered to you by a competing card company (Card B). The introductory rate only lasts for six months, but you figure you can pay it all off by then by simply making monthly payments of $200. Instead of paying 19% on that balance, you'll now be paying 0% and saving a bunch of money. Then, after you make the balance transfer, you go out and purchase a bunch of stuff at Wal-Mart and use that same card. Maybe you also buy some gas. Heck, maybe it was an existing account and you were already holding a balance on it.

That $200 that you pay will first be applied to the balance in the 0% bucket. The balances sitting in the other buckets don't get paid off at all, and thus grow by the rate of interest being charged. The credit card company has effectively set up
a barrier preventing you from paying off those balances that are at higher rates of interest. Until you pay off all of that balance transfer, you will not be able to pay down the other balances. It's very tricky indeed.

A Few Other Things to Watch Out For

If you miss a payment, the introductory rate will be lost and revert to a much higher rate. Also, look out for fees that may be associated with the balance transfer. Often there is a one-time charge of $75 or more to transfer a balance.

To Transfer or Not to Transfer

Balance transfers are not all bad. If used correctly, balance transfers can be an awesome tool for saving money on credit card debts. You just need to know the ins and outs of how it all works. The credit card company relies on the fact that
people don't understand the intricacies. Do you think they'd make any money giving people such low rates? However, if you do understand the tricks and the pitfalls to avoid when using them, you can save yourself hundreds or even thousands of
dollars!

Take the Next Step:
- If considering a balance transfer, be sure that you understand all the tricks and the pitfalls. It can be an awesome tool in your financial arsenal ... if used correctly.
- Compare various balance transfer credit cards


Note from Lucy: I thought this article was very informative and wanted to pass it on. Banks are always looking for a way to make money off of it's customers and this is just a few of the tricks they use to lure us in to their special offers. If you are thinking about transfering a balance, the trick is in the fine print.....

Have a great week everyone.

Wednesday, April 23, 2008

The price of rice is going out of sight……

I told you all about the price of wheat basically doubling in price, well once again a staple item, namely rice, has now doubled in price in the last six weeks. Tonight on the news they were announcing that Sam’s club, as of today, was limiting how much rice a person could buy. You are now allowed to buy four bags of rice per person. I found out from a friend that they have been limiting rice sales at Costco too. When TF. Left tonight for his church activity, I went to the Hong Kong food market and started pricing the rice there. I had my little notebook out writing things down when a little man, standing next to me, said “Three weeks ago this cost $ 12.50 cents and look at the price now”. He said this in the best English he could muster while shaking his head. This was a good quality of Jasmine rice in a 25 lb. bag for $ 21.75. I decided to head for Food Town where I found that the 4lb. bag of rice that was on sale last week for 99 cents was now $ 1.99. I decided to look around the store for prices on other brands. I found a 20 lb. bag of long grain white rice for $ 4.99 a bag. The little calculator, in my head, started computing how much that was per pound and it came to 25 cents per pound. I called a friend and she asked me to get her 2 bags and my married daughter wanted one bag. I ended up with six bags of rice. I will put this into appropriate containers and have it in storage for months to come. If you eat rice, you might consider stocking up on some before it goes up any higher.

Now, to go along with that rice, here is an awesome recipe for Arizona Chuck Wagon Beans that I found on the Chetday.com website.


Arizona Chuck Wagon Beans

1 lb dried navy or pinto beans
6 cups water
1/4 pound salt pork, diced
1 large onion, chopped
1 garlic clove, minced
1 large green pepper, chopped
1 1/2 pounds chuck steak, cubed
1 1/2 tsp salt
1/2 tsp oregano, crumbled
1/4 tsp red pepper
1/4 tsp ground cumin
8 ounces tomato sauce

Pick over beans and rinse well. Combine beans and water in a large kettle. Bring to boiling; cover; cook 2 minutes. Remove from heat and let stand 1 hour then pour
into slow cooker.

Brown salt pork in a large skillet; remove with a slowtted spoon to cooker; saute onion, garlic and green pepper in pan drippings; remove with slotted spoon to
cooker. Brown beef, a few pieces at a time in pan drippings; remove to cooker with slotted spoon; stir in salt, oregano, red pepper, cumin and tomato sauce. Add
more water, if necessary to bring liquid level above beans.

Cook on low for 10 hours or on high for 6 hours, or until beans are tender.

Talk to ya later.......

Monday, April 07, 2008

Just Lucy talking....

No frugal advice today, I just want to talk. So much has been going on around here that I can’t seem to get it all done. I worked for 10 days straight working on the taxes so that I could take them over to the tax man in the best order possible. We don’t have a simple tax return, we own our own business and it requires a lot of paper work at times. I am so glad that my part is done, now it’s up to the tax man to finish it before the 15th. It feels like a ball and chain has been released from me and I am free for a while.

Tomorrow night I take my General Class Amateur Radio license test. I have been going to class for five weeks now and the time has come to take the test. This is much harder than I ever thought it would be. I have had to learn all about frequencies, radio bands, all kinds of electrical stuff, propagation, antennas, safety, and all kinds of mathematical formulas. This brain of mine is having a hard time processing it all and I am not sure if I will pass this test on the first round. If I don’t pass I will just study more and take it again in May. If you would like to see what one of the practice tests is about, click here and then click on General and give it a try.

Like Diane, I have been babysitting my two grandkids here and there and loving every minute of it, well almost every minute. JJ is 6 yrs. old and Jocelyne is 2 and a half. They really are good kids but they can wear Grandma out.

With my food storage calling at church, I have been very busy. Wheat prices are up almost double. Check out this article about the rising prices.

Here is a video from a bakery about the increases in anything made with wheat. I think you will find it very interesting.

So how does this involve me? Our church group is able to go in and dry-pack (put up) wheat at last years prices. The church is going thru its stores and selling it at last years prices until they run out. All of a sudden people are worried about food prices and they are working on their food storage…. As stake Dry-pack specialist, I am in charge of several groups of people who are working on their storage……I’m busier than a wet hen. Wait till they find out that rice is about to double in price….

I’ve also been listening to some of the presidential campaign rhetoric on TV and over the Internet. This has been a crazy campaign and I am ready for it to be over….fin…done. I’ve also been watching the news about some of the sadder things that go on in this world. We had a 14 yr. old middle school student who delivered a baby in the rest room of her school and then drowned it by trying to flush it down the toilet….She “claimed” that she did not know that she was pregnant…..How can you not know? I’ve had three kids and all three were “movers and shakers” in the womb. It is such a sad situation of what is going on in our society. Also something that worried me was the news of nine third graders who had planned, in detail, how to kill their teacher. The teacher had disciplined one of the students for standing on his desk…Is this a reason to kill her??? That took me a whole day to get off of my mind. I will bet that all of these students are allowed to watch whatever they want on TV. They see violence and think that it is perfectly acceptable…

On a happier note: Bonnie took JJ down to Ellington Field to see the return of the Astronauts a week ago last Thursday. They had returned from a trip in space where they had walked in space and visited the space station. They had flown in from Florida and were coming home to debrief. Bonnie and JJ got to talk and shake hands with all of the returning astronauts. Check out Bonnies blog for pictures and a funny story.

Well, have a great week everyone! Wish me luck on the test.

Monday, March 31, 2008

How to Have a Blow Out Yard Sale

by Katherine E. Tapley Click here to Visit her website


Knowing the tricks to having a successful yard sale.

Yard sales pop up in the spring and summer like mushrooms, but there is a knack to having a successful one. The reasons you may want to have a yard sale are numerous. Despite the hard work involved in getting the sale together, it is a chance to
have fun, meet your neighbors, make money, lose money, get skunked, recycle, and clean out the clutter that has been accumulating.

The first order of business is to get a pad of paper and a pen and start going through the rooms in your house. What room has the most junk? Is it the kitchen, bedroom, garage? Check every corner of the closet, the shelves, etc. and evaluate
everything honestly. Don't get overly sentimental. If you haven't used the thing in 10 years, why keep it around collecting dust? When listing your "inventory," make notes like "Must go," "Takes up too much room," or "Can't part with it." This will help you organize what items will go in the yard sale. The greater assortment of goods, the larger your profit will be.

How your organize your merchandise is important. Items that are heaped together on a table tend to repell customers. You should measure the width and length of your table space and take a sheet of paper and draw a plan of how you are going to
lay your stuff out. Organizing things by price is a good idea. You could have a 50-cent section that will be attractive to kids, a dollar section, two-dollar section, etc.

How to price items is an essential yard sale art. Generally, there shouldn't too many items over $10. The junk you really want to move should be under $2, depending on the item. Expensive items such as antiques, big household appliances, etc. would be better off advertised in a newspaper or taken to a second hand store.

If you have electronics like televisions, radios, record players and tape recorders, the yard sale price should be one third of the original sale price. Paperback books should sell at a quarter, and hardbacks can go at $1. Records such as 45s will go for a quarter, cassettes at $1, and CDs at $3. Clothing can be 50 cents up to $5 and knickknacks like vases, ashtrays, and novelties can fetch $2 or less. Don't be
insulted if the customers dicker about the price. It is part of yard sale culture. People enjoy trying to bargain with the proprietor.

Advertising your yard sale is essential if you want to pull in the customers. An ad in the local paper with an attractive hook does the trick. For example, you could claim that your yard sale is a "bargain hunters paradise" or mention some
attractive or unusual items that you have for sale. Be creative in your ad. But don't say things like "Early birds will be shot on sight!" Signs with easy to see printing and arrows are good. You could even get your kids to wear placards on them and go around the neighborhood advertising your sale.

At the yard sale, you will want to have lots of change in your moneybox. A selection of coins, lower denomination bills, etc. will do. If it's a big sale, you might need up to $50 on hand to make change. Wearing a wrap around purse with a zipper is a
good idea, since your moneybox could get pinched. If a customer offers you a check, you have to make a quick decision about whether or not you are going to take it. If you do take the check, you should have the customer's driver's license on the back of the check. Otherwise, you could accept a deposit of money and hold the item for a time limit of three hours.

If you have left over items after the yard sale and you don't want them back to clutter up your life again, arrange to have the Salvation Army truck to come after your sale. You can also give to local centers for the homeless, Goodwill, etc.
Leftover books can be donated to hospitals, nursing homes, women's shelters, or the public library. If you have some high priced things left, you can put advertisements for them on bulletin boards or in the penny saver papers. To get rid of some of the excess stuff, you can also leave a box at the end of your driveway saying "Help Yourself." Now all you have left to do put your feet up and count the profit!
__________________

Note from Lucy: I know that I have to much "stuff" and should get to work decluttering my house. A yard sale is a terrific way to do this. Note that a yard sale is only good for people willing to come to your location and look at what you have. Another way to sale your stuff is to sell it on Ebay. Instead of having just a local market, you have people from all over the nation looking to buy. Five or six years ago TF decided that we needed to find a way to finance a new computer. He had some old locksmithing equiptment that he didn't use any more and so we decided to give Ebay a try. I'm telling you, it is amazing what people are willing to pay for an item. We made $ 1,500. in a matter of weeks and was able to pay cash for our new computer. If you can write a blog and post pictures, then you can sell on Ebay. All you have to do is go to Ebay and down load the instructions and start selling.

Have a great week everyone.

Monday, March 24, 2008

Do it yourself mold removal

I read this article on my Dollar Stretcher email tonight while reading their weekly newsletter. Living down here in Houston, mold is an unwelcome occurance in our home. TF is weekly trying to get rid of the mold that grows around the edge of the tile on the bath tub. He has always used clorox bleach and we both though that we were killing the mold. What a lesson I learned by reading this article. I thought you might learn something from this too.

Article by Alina Bradford - An expert shares how to remove mold from your home

Mold is a big problem in the steamy South where the high humidity feeds its need for moisture. My home is constantly under attack it seems, and every member in my family is severally allergic to mold. Being frugal, I wanted to try getting rid of the mold without the help of a professional, which would cost me more than $1,000.

First, I tried scrubbing the walls with bleach. It seemed to work at first, but within days, it looked as if I hadn't done anything at all. Why? "Bleach does not kill mold," says Michael Dooley, the Vice President of the New Mexico chapter the American Society of Home Inspectors. I was shocked when I heard this, until I did some research and realized that the reason you use bleach on white clothes is to remove color. Essentially, I was just removing the color from the mold; fooling myself into thinking it was gone.

Dooley says that there are some great, inexpensive solutions to killing mold. One of them is using a cleaning product that contains at least 3% hydrogen peroxide for non-porous materials. Inspired, I made a solution that was one part hydrogen peroxide and three parts water and put it into a spray bottle. I applied the mixture to the mold in my house, and I have to say that it was very effective. And since a bottle of hydrogen peroxide costs less than a dollar, it is affordable, too.

"Another inexpensive alternative," says Dooley, "is to make a paste with borax and water. Use the paste to scrub the surface that is infected with mold and rinse." Borax can be found on the same isle as laundry detergent at your local grocery
store. 16 ounces of borax is around 80 cents.

Wood with mold contamination can be sanded and/or wire-brushed, then sprayed with an anti-microbial agent, and refinished. I find that painting the walls in my bathroom with Kilz brand paint has slowed, if not gotten rid of my mold problem in that room. Many people think that Kilz kills mold. I haven't found any proof that it kills the mold. It works by blocking it. It seals out moisture, so the wall doesn't become
infected with mold. Kilz can be found in Wal-Mart stores, and is cheaper than many regular paint brands.

"Most porous materials such as sheetrock, carpeting, ceiling tiles, and so on, should be cut out and disposed of and replaced with new materials," says Dooley. This can get expensive! So, of course, the most affordable way to combat mold is to avoid it growing all together. Make sure your rooms, especially the bathroom, are well ventilated. If you live in a humid part of the country, it is a good investment
to buy a dehumidifier (ideally, humidity levels should stay below 60% in your home). If you see any condensation on walls and windowsills, keep it wiped dry. Fix water leaks right away and keep the area dry.

Remember, when you are getting rid of mold, the spores can become air borne and travel to other places in your home. Dooley recommends putting plastic sheeting around the contaminated area until the work is done. He also says that, "If you decide to remove mold yourself on an area more than a few square feet, you should wear some protection such as a NIOSH approved N95 protective face mask."

I had to admit, all the mold in my home made me think we were going to have to move. Following these tips has made my home a much more comfortable place to live. We are sick less and have less allergy related symptoms, and I didn't have to spend very
much money.
_____________________

Alina Bradford is a freelance writer, artist, and the owner of a website for moms. www.Defrazzledmom.com is a place for moms to de-stress, find answers to everyday problems, and more.

Note from Lucy: The N95 face masks can be found at most Home Depot and Lowes stores or you can order them over the Internet. I heard a talk last week about pandemic flu and these masks are also good to use for protection during a pandemic flu outbreak.

Talk to ya later.