Tuesday, December 30, 2014

Gift cards, yea or nay?

What did you buy this Christmas for that tween who acts and dresses like she is 25; or how about the teen that only speaks in monosyllables?  I mean seriously how do you figure out what to buy for someone whose sole communication is limited to yes and no…mostly no? How about Sister June’s tots from Florida that you aren’t even sure if they are 6 or 9?  We won’t even discuss Auntie Bertha from Phoenix who you haven’t seen since you were 6 or 9? 

I bet you opted to buy a gift card. Consumer reports states that gift cards are the worst gift you could give.  Why?  Store cards don’t have fees like bankcards but they are sometimes inconvenient since you can only use them at that particular store. A huge percentage of cards remain unused moldering away in drawers and wallets and some simply forgotten. 

Then we come to deciding which store to get that gift card from. Someone I know loved Bath and Body works and they received a gift card to Bed bath and beyond.  Ok, both have the word, bath in their names, and they are both nice stores. It is just a minor mistake but Bed bath and beyond happened to be 40 miles further than the other store so, yes, it went unused.

While Cards from malls and those issued by banks like Mastercard, Visa, and American express seem like a good idea they come with purchase fees up front.  In addition after a year of inactivity they subtract an amount every month so that a $25 card can become worthless in 10 months time!  Lose that card and you will pay a hefty fee to get another or more commonly you are simply out of luck.

The Mall cards I’ve seen literally come with a huge booklet in tiny print of stipulations, rules and limitations.  Personally I don’t even read the manuals that come with electronic equipment so I sure as heck am not going to spend my time reading that!

In conclusion if you want to give a gift to someone and you just don’t know what to get them, give them a check or cash.  There are very creative ways to turn cash into a gift that keeps on giving.  And if you get a gift card be sure to spend it--quickly!

So…your opinions are welcomed –gift cards, yea or nay?

There are lots of ideas to make money a gift in itself...search Pinterest for tons of ideas. This star tutorial is an easy one that you can make in any denomination...

Saturday, December 6, 2014

Bank on this?

A multi- cup coffee morning

So, it's raining.  It's raining hard and I'm late.  That not so unusual you say.  I still have one errand to complete before I go to work.  Yes, I got going earlier than usual because I needed to stop at the bank to make a deposit.  I't just a small deposit in my personal account.  Easy, peasy you say.  Just go through the drive thru window right?

Well, It's pouring harder and harder and the windshield wipers are slapping in sync with the music on the radio.  If you know me I'm not a fan of rain.  I know it's necessary and all that, but it's dreary and this kind of rain in 40 degree temperatures is just plain bone chilling.

I get to the bank drive thru and although it is well after 9 a.m. all the lighted signs say closed.  Hmmmm well, I turn my car and try and find a parking space to just go in and be done.  Thrice around the building and I still can't find a space.  Geez, it's only thursday morning , what's up with that?  Finally on the fourth pass I grab a space recently vacated.

I get out and the wind whips my umbrella inside out.  You knew that was coming didn't you?  I toss it back in the car and run to the bank doors.  Wet, bedraggled and frustrated I open the door and the line is almost 7 deep.  Whoa, this may take some time.

Here is the scenario...there are two tellers for four windows.  From my vantage point I can see there are four tellers in the drive in window area milling around.  In the main bank there are three tellers walking behind the two working tellers with one (apparently a manger of some sort) Just staring towards the customers with her arms folded.  Every customer at the working windows are doing some major banking.  I wait, I wait, I wait.  When, I ask, did the bank turn into a Walmart?

From my position in line I can see the large clock ticking away.  Finally after about 30 minutes for a banking job that should have taken three, I arrive at the teller window.  She quickly makes my desposit and I tell her that the drive through window says it's closed.  She tells me she will tell someone to turn it on.  So she calls over to the three standers behind the worker bees.  One of them thanks me for letting them know.  Um, your welcome.

I arrive at work a bit late.  It's just another rainy day in my world. And after all, in the words of Scarlett Ohara..."Tomorrow is another day."

Wednesday, December 3, 2014

Easy to create a tree top ribbon tutorial with Bowdabra bow maker

If you are making bows this year to top your tree, packages or just about anything, hop on over to Bowdabra.com and check out the many tutorials.  You will be an expert bow maker with a Bowdabra bow maker!

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