Monday, July 7, 2014

Donate your Left-Over Merchandise to Reach the End-User

Shasta Daisy flower in natural setting
Add Beauty to Someone's Life with Your Donation

Donating Where It’s Most Helpful and Best Used

When you have leftovers from your garage sale or are cleaning out the house or garage, you probably think you’re doing a good deed by donating it to a local non-profit. Some non-profits resell everything, and some really give things away. If you donate to a non-profit corporation that sells the merchandise, the people who really need it never get it. They usually don’t have vehicles to drive around looking for bargains, and they don’t have money to buy what they need.

I saw a whole box of hotel soaps and shampoos for sale at a local non-profit store this week -- someone had spent some time in Las Vegas. These are great items for the women’s shelter or for a homeless shelter with shower facilities. If you donate to the place where the product is used, your donation goes directly to someone who needs it and won’t get thrown out if it doesn’t sell.

Blankets, coats, towels and washcloths are also essentials for women’s shelters and homeless shelters. New products like unopened make-up, combs, brushes and even emery boards are helpful donations for shelters. Shelters need school supplies because kids are homeless, too. 

Call around and find out which organization can use your leftovers, instead of donating them to a place that sells them. Even the profit doesn’t go to homeless or needy from some of these non-profit stores; it goes to build more stores and grow the capital of these non-profit outfits. Many of the non-profit stores pay management bonuses to use the profit, while lower-level employees get minimum wage and aren’t allowed to purchase anything in the store.

When you live in a nice neighborhood, it’s difficult to locate individuals who really need, but they’re in every town and city in America. You can make a difference with your cast-offs by touching base with organizations like food pantries, homeless shelters, women’s shelters and the Salvation Army donation center. These organizations run shelters and provide food as well as supplies to individuals and families. Coat drives give away coats before the cold weather begins. Some organizations give away fans in the southern states in the summer and provide blankets in the winter. 

The Salvation Army in our area interviews individuals and provides a voucher for household necessities like silverware, pots and pans and sheets -- particularly helpful for someone who leaves an abusive relationship or is starting over after a fire. When the person finds an approved item, it’s checked off the voucher and bagged at no cost to the individual. If the store doesn't have all the items at one time, the person can return to shop until listed items are located and checked off the voucher. 

Before you make a run to the nearest thrift store, consider where your donations will reach the end user. A place that sells the items to build another store may not be your best choice.

See you soon!


Monday, June 9, 2014

Using Vintage and Collectible Ceramics and Glass in the Kitchen and Around the House

Vintage Fiesta Red Platter Showing HLC Fiesta Mark on Back
Vintage Fiesta Red Contains Elements Not in Other Colors

A benefit of collecting pottery and glass is that you never have a shortage of useful bowls, vases or pans, but some vintage and collectible ceramics and glass are not safe for food use. Recent imports are often marked on the back as “Not safe for food” but older and handmade pieces are not often marked. Hazards exist beyond breakage and getting cut, as lead and cadmium poisoning are insidious dangers lurking in these wares. Lead is common in our everyday lives, but chronic exposure to lead or constant consumption of lead causes long-term effects, particularly in fetuses, infants and children.

Ceramics are made of a clay layer and maybe a glaze layer, and either layer can contain unsafe metals and elements, including lead and cadmium. The clay may also be fired only once, creating a bisque without glaze, and elements in the clay depend on where the clay comes from. Some pottery has lead glaze or metal fragments in the glaze, and crystal has a higher lead content than ordinary glass. Any of these may be unsafe in the kitchen.

You’ve probably seen crystal marked 24 percent lead content, and it’s shiny and beautiful, but it’s not good for long-term storage of acids. Liquor stored in crystal decanters can acquire lead from leaching. You can use a crystal decanter, but it’s important to return the liquor to the original bottle after each use. The same is true for acids such as lemonade, vinegar or orange juice. If you serve in crystal, return to another container after the meal.
Block decanter and stopper in clear crystal
Block Brand Crystal Decanter Has Lead Content

Pottery and ceramics are more variable. Contemporary ceramics may be marked as safe for food use or safe for microwave, but the FDA warned several years ago of items from Mexico marked as safe were not.  Sometimes it depends on the glaze color. You may recall that Fiesta red dinnerware had a higher radiation level than other colors, causing concern, and discussed in Smithsonian Magazine. Also, pieces with significant wear to the glaze may leach elements more easily than ceramics with no damage. Microwave use or heating may cause more leaching than serving. It can also depend on age, condition and use. Prior to about 40 years ago, the Food and Drug Administration didn’t test or regulate elements in dinnerware or kitchenware.

Cadmium is present in fertilizers, batteries, plastics and often occurs in association with zinc, as reflected in this CDC report.  Cadmium is naturally occurring in the water and soil, and may be present in the air near iron and steel production facilities. Dyes, paints and glazes can also contain cadmium. Cadmium studies are ongoing, but cadmium consumption may cause kidney stones, kidney diseases and maybe high blood pressure, peripheral artery disease and COPD, according to the Centers for Disease Control.  You can read more about cadmium content in everyday products here on the National Institutes of Health website

Test kits are available for checking lead or cadmium content, but home test kits for cadmium have not been reliable, often rendering false positives, according to the National Institutes of Health. The safest method is to use vintage dishes and accessories for decoration, and use only dinnerware approved for food at the table.   

Use your knowledge to be safe in the kitchen. See you next time!


Monday, May 5, 2014

Save or Starve in Retirement: The Choice is Yours

Squirrel sits on a rock with acorn
Even a Squirrel Saves for the Future

Our government saw starvation first hand after the Great Depression of the 1930s and realized a need to take care of elderly Americans with Social Security, so starvation was not the way to die. In the 1960s, Congress tackled Medicare so that lack of medical care for the elderly was not the way to die. Now, fifty years later, the Affordable Care Act helps Americans of all ages have health insurance and Social Security and Medicare are still in effect. But without careful planning, elderly Americans can still die of starvation or lack of good medical care. How could this happen?

If you don’t save money during your working years, you won’t have enough money to pay your portion of Medicare or your needs not covered by Social Security, because neither program covers all your expenses. The government intended for Social Security to cover only part of your needs, because at the time, most Americans had a pension plan at work. Company-paid pension plans are now personalized -- you have to make the contribution to a retirement plan before your employer pays any part of it. Many of us live for today and don't make the contribution. If your employer gives you free money, why turn it down?

Social Security covers 40 to 50 percent of your pre-retirement income, and out of that money must come your Part B or medical coverage and maybe Part D for prescription insurance coverage. Part A, or hospitalization coverage, has a deductible as well. If you go to the hospital, you are responsible for the deductible.

No matter how much or how little money you earn, you can save some money for your future. You need six to eight months of expenses saved in an emergency fund. This fund can also be the start of your retirement fund. We waste more money in the United States than people in many countries have to live on. We buy trinkets, junk, more clothing than we can wear, jewelry, and memberships we don’t use. Think through your lifestyle and what you need, and pare down to save for your future. It’s a horrible thought that we might die of starvation in America, but it happens. Older Americans today are choosing between food and medicine, according to the AARP Foundation.
Start now. 

You’ll be more relaxed with money in the bank to cover emergencies and may even live longer as a result of less stress. Have money taken out of your paycheck to cover a 401(k) or Roth 401(k), or set up an IRA for yourself by contacting your bank. I'll confess that when we were 40, we thought we had many years to build a retirement fund. Twenty-five years later, we realize the importance of saving early to let the money accumulate interest, so we don't have to work for every dime.

Spend less.

One of the easy ways to spend less is to cook at home instead of eating out. Cook vegetables, serve fruits, and don’t use starter mixes like helpers. 

Buy bleach, hydrogen peroxide, baking soda and vinegar for cleaning supplies instead of squirt bottles of something you can’t identify that is heavily perfumed. 

Shop when you need something, and don’t use shopping as your recreation. 

Go to the park, library or zoo for free entertainment, instead of spending your money on tickets for activities you may not even enjoy. 

Review your bills and cut expenses where you can. Expenses you incur every month are bites out of your future funds. Call your utility companies and ask for better rates. Telephone, cell phone, cable, electricity, alarm systems and internet services all have loyalty or retention programs to keep customers once they have them. 

Buy used.

If you need something, call thrift stores and see if they have the item available. Buy clothing at thrift or bargain stores. If you’re afraid someone may see you or recognize something you’ve bought, go to the next town to shop at their thrift stores. We frequent thrift stores and have made friends with the clerks and other thrifty people. Some of our thrifty friends own businesses, a couple are in real estate sales, and others are retired. 

Don’t pay interest.

Save money by paying for purchases in cash or paying with credit cards that you pay in full every month. It’s shocking to see how much money Americans spend on financing. Dinner out for $100 should be $100, not $125 because you didn’t pay the credit card on time. Make it your goal to pay credit cards every month or don’t charge anything you can't pay off that month. You're borrowing against your future when you charge more than you can pay this month. Your future is money you need in retirement. 

Live Modestly.

You don't need a new house or an electronics upgrade every few years. Living in the same house saves moving expenses, larger payments and contributes to your overall wealth. Pay for what you have, and appreciate it.

Think of your future every time you spend money. 

Picture yourself too old to get a job and choosing between medicine and food. It’s your wake-up call.

Monday, March 17, 2014

Rotate your Kitchen Stock Like a Business to Save Food, Money and Waste

Buckets of garden vegetables including squash, cucumbers and beans
Use Older Vegetables First
You've probably read about the quantity of food wasted in the U.S. each year in articles like this one from NPR. We waste enough food to feed us all.
The Natural Resources Defense Council suggests that 40 percent of all food is wasted in the United States each year.

Arriving home with the groceries may be the end of the shopping trip, but is just the beginning of the organization required to run an efficient kitchen. You need to rotate your stock so you don't have all the new purchases in the front or on top. Old cans can swell and burst, and the mess can be worse than you imagine, in addition to the loss and waste of food. Fresh fruits and vegetables lose flavor and spoil over time, creating more food loss and money spent needlessly.
An easy way to rotate your pantry stock is to pull all the old products to the front of the shelving and place the new items in the back.
Remove the fruits and vegetables from the crisper drawers and place the new items in the bottom. When you buy fresh vegetables and fruits, chop the old ones and place in the freezer, or cook something that uses the older produce. Chop older celery and bell peppers and freeze in plastic zipper bags for seasoning for soups and stews. Tomatoes can be chopped and frozen as well. Use apples and citrus fruits in a fruit salad.
Your frozen food can be handled the same way. Freeze your newest purchases, then place them on the bottom or behind similar items that are older. Your oldest products will be on top and easy to locate.
Make country fries or scalloped potatoes with the older potatoes. For country fries, wash the potatoes and slice lengthwise unpeeled. Place a single layer on a parchment paper lined cookie sheet with a tablespoon of oil. Season and bake at 400 degrees for 40 minutes.
Peel the potatoes for scalloped potatoes. Slice and season in a greased oven-safe baking dish. Add some milk and Velveeta or similar cheese to cover the potatoes. Bake at 350 degrees for about an hour until the potatoes are tender. We have an ebook on Amazon with tips and recipes if you'd like more recipes and information about frugal living.
Efficiency and frugality in the kitchen starts when you come in from grocery shopping. In addition to rotation of stock, ignore most date codes and dates on food products. These codes are for manufacturers and retailers to identify recalls and rotate the shelf stock, not for you to discard the products after the "best by" date. The federal government regulates coding on some baby food, but all other codes are optional. Use your senses of smell and vision to determine if foods are still palatable. Most are good long after the "sell by" or "use by" dates.
Wasting food is wasting money and contributing to the landfills. You can save money, food and the environment when you return from grocery shopping. Your kitchen will be better organized and you may save yourself some cleanup.

See you soon!


Monday, February 3, 2014

Collecting Coins as a Hobby is Inexpensive, Educational and May Help You Save Money

Recent quarters and pennies from pocket change
New Quarters and Pennies are Collectible Coins
Collecting coins may sound like an expensive hobby, but it doesn't have to be, and is an educational adventure to pursue with or for children or grandchildren.
You don't have to buy coins to collect. New coins are collectible and cost only face value. Collecting last-years minted coins is a good place to start.  As a consumer, you can pay cash for small purchases and save the change. Dump your coins into a bowl and sort occasionally by denominations.
Children can learn to count and learn about mint marks and coinage at the same time. Most children can read the date and mint mark for Philadelphia or Denver without a magnifier -- while, at our age, we may have difficulty sorting quarters from nickels without glasses and a magnifier.
Here are some collecting ideas:
Collect states quarters and the new extra ones like Mariana Islands. Folders for collecting states quarters are available, and these are handy because they identify which coins were minted, and the mint locations. Folders aren't necessary, though, as you can get the information you need from the U.S. Mint here:
The "P" minted coins are more difficult to find than "D" and we have a few sets completed and others with just a few "P" coins missing. You may have the same luck, but sometimes it depends on the region. If you live close to the Philadelphia area, you may find "P" coins easily, and if you live near Denver, the "D" coins may show up in change. We live in Texas, and don't find as many "P" coins here.
Save all the new coins from the past few years. These aren't uncirculated coins, but over the years, the condition will be better and the value will be greater than coins that have been in the marketplace. Coins from 40 years ago or so that we collected when our daughter was young no longer show up in pocket change. She learned about American coinage, mint marks, how to count, how to save money, and the coins are still in great condition.
Save the presidential dollar coins, first released in 2007.  The U. S. Mint is producing $1 coins honoring presidents. The presidents for 2014 release are Warren G. Harding, Calvin Coolidge, Herbert Hoover and Franklin D. Roosevelt, but the series started in 2007 with George Washington.
You can learn more about the presidential $1 coins here:
Collect the Native American $1 coins first released in 2009. Sacagawea is on the front and each release has a different reverse. Here's information about the 2014 coin:
Collect new pennies, dimes and nickels and any old coins you find in change. These coins are usually available about a year after minting. We find 2013 coins in change, and save them. They have little wear but won't stay in that condition unless we rescue them. Silver-based coins made prior to 1964 have greater silver content than coins after that date. Older half-dollars are valued higher than face value. You can read about the metal melt-down value here:
Collecting coins this way is not expensive. You're saving money, not spending money like so many hobbies -- scrapbooking, crafts, and other collecting ventures. Your coins will never go below face value, and can always be turned into dollars if you need. If you only pay face value for the coins by saving your change, you'll never lose money. Your family can learn about United States coins, and children can experience the anticipation of finding a coin needed for a collection.
Enjoy a hobby that doesn't cost money. That's a rare find.
See you soon!