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Places to Never Use Your Debit Card

Friday, Jan, 24 2014

In some situations, using a debit card can expose you to fraud or identity theft.  There are some places and times that using a debit card is actually a lousy proposition. 

1.  Rental or Security Deposits
If  you have to put money down to rent a car or home improvement equipment, try not to use a debit card.  A business will take the money out of yoru account in the form of a security deposit.   You'll ge the cash back when you return the car or equipment.  With a credit card, the money is just "frozen" but ot actually charge and you won't ever notice it's gone.
2.  Restaurants and Bars
Too many prying eyes around to trust using your debit card.  Restaurants are one of those rare places where someone actually walks away with your card and you don't see them for a few minutes.  Better to use cash when dining out.
3.  Regular Payments
Whether it's a gym or your insurance company, better off using a credit card.  If there's a dispute, the business won't take the cash right out of your checking account if they don't have your debit card number.
4.  Wi-Fi Hot Spots
Never use your debit card for an online purchase while at a coffee shop or other business that offers free Wi-Fi access.  Most businesses have unsecured wireless connections so it's much easier for hackers and scammers to log on and steal  your information.
5.  Any Retail Outlet Where you choose the "credit" Option
Debit cards allow  you to choose between a debit (having cash taken straight out of your account) and a credit transaction (where the money will be taken out but it could be a few days later). You may forget about the purchase and not account for the money that canlead to an overdraft situation.

Debit cards are great financial tools and easier to carry than cash.  But debit cards should't be used all the time.

posted by: Kathy Keene 9 month(s) ago Comment On This Post

Cleaning Products You Should Never Be Without

Monday, Jan, 13 2014

Cleaning Products You Should Never Be Without

There are 5 cleaning products you should never be without and most of them are things you already have in your home.  They can  be used alone, together or in conjunction with other common household products.

Use to remove heavy soap scum and mineral deposits from showers, tubs and sinks.  Warm vinegar and put in spray bottle.  Spray on showers, tubs and sinks; let soak 10-15 minutes.  Then use a nylon scrubbing sponge to remove scum.  Respray if necessary.

Add 2-3 T. white vinegar to hot water along with dishwashing liquid to cut grease on dishes and crystal.

Add ¼ cup white vinegar to washing machine during final rinse to soften clothes and remove lint from dark clothes.

Clean stainless steel sinks with a paste of baking soda and vinegar.

Clean vinyl floors with ½ cup white vinegar to 1 gallon warm water.

Keep drains free-flowing with ½ cup baking soda and ½ cup vinegar poured down the drain on a monthly basis.

Spray vinegar on the underarms of clothes and let soak 15-30 minutes to deodorize and minimize underarm stains.

An excellent toilet cleaner with 1 cup borax and 1 cup vinegar.  Pour vinegar over stained area of the toilet, then sprinkle with borax.  Soak for 2 hours and then brush and flush.

Neutralize pet urine odor with diluted vinegar (25% vinegar to 75% water) sprayed on carpets.
Always test in an inconspicuous spot before treating a large area.

To remove soap sum and mildew from plastic shower curtains and liners, fill washing machine with warm water, 1 cup vinegar and regular laundry detergent. Add curtains, along with several old, light-colored towels.  Run through complete cycle and rehang curtain immediately.

Clean mirrors with a solution of half vinegar and half water.  Wet a sponge, soft cloth or paper towel, wash and  then buff dry.  Never spray water onto a mirror.  Moisture that gets into the edges and behind mirrors ruins the silvering on the mirror, resulting in dark spots.


Baking soda is a great deodorizer, cleaner and mild abrasive.

Keep food disposals fresh and free-flowing by putting the stopper in the disposal and adding 3 inches of warm water and a handful of baking soda.  Turn on the disposal and let water run out.

Clean smudges on wallpaper with baking soda and water.

Remove crayon from hard surface with baking soda on a damp rag.

To clean grout, mix 3 cups baking soda with 1 cup warm water.  Scrub with a brush and rinse.

Use baking soda on a damp cloth to polish silver.

To remove burnt food in casseroles, fill dish with hot water and add 1 T. baking soda and allow to soak.

Remove heel marks from hard floors with a damp cloth and baking soda.

Put in the bottom of cat litter boxes to help eliminate odor.  Put in a thin layer of baking soda and than add  the litter.  This works with clay or clumping varieties.

Mix 1 gallon of warm water and ¼ cup baking soda. Soak freshly washed socks in this for 30 minutes.  Spin out in the washer (Do not rinse out the solution),dry and you have odor-eater socks.


Apply to clothes, undiluted, to remove fruit-based stains.  Let soak 30 minutes and then launder.

Remove rust from clothes by applying undiluted lemon juice and laying the garment in the sun. 

Clean brass and copper with lemon juice and salt.

Apply lemon juice to chrome and buff to a shine.

Remove stains from hands with lemon juice.

Bleach wooden breadboards by applying lemon juice and letting it sit overnight.  Wash and rinse in the morning.

You can bleach spots off Formica counters by using straight lemon juice or mixing in a paste with baking soda.


Club soda is the best emergency spotter there is.

Keep club soda on hand to clean up spills on carpet and clothing.  Remember to react as soon as possible to a spill.  Club soda will remove red wine, coffee, tea, soda, Kool-Aid and any other spills you can think of.

Lift any solids off carpet or clothes and then pour on the club soda, blotting with an old rag until all the color from the spill is removed.

If you spill on your clothes in a restaurant, ask for a little club soda or seltzer and use your napkin to blot the stain until it is removed.


A good all-purpose carpet stain remover.  Skip the types that foam, dry and you vacuum up; they leave residue in the carpet that attracts dirt.

Spot Shot effectively removes water and oil-based stains.  Use it on pet stains, lipstick, makeup, hair dye, food spills, mystery spots – even old spots.  Follow  the label directions.  It’s inexpensive and available at grocery stores, hardware stores, Target and Wal-Mart.


Ink and Marker Marks – use hair spray, rubbing alcohol or for really tough spots, denatured alcohol from the hardware store.  Always spot carefully, trying to do just the spot.

Removing Hair Spray Residue – Mix a solution of 1/3 liquid fabric softener and 2/3 water in a spray bottle.  Spray on the surface to be cleaned and wipe.  Will remove hair spray residue from vanities, tile, floors, walls, etc.

posted by: Kathy Keene 9 month(s) ago Comment On This Post

General All Purpose Laundry Spotters

Monday, Jan, 13 2014

General All Purpose Laundry Spotter
Combine the following ingredients to make a generic spotter that works on a wide variety of stains:
1 part rubbing alcohol
2 parts water
Mix and spray on spots and spills, wait a few minutes and then launder as usual.

Beverage, Fruit and Grass Remover
Combine equal portions of:
White vinegar
Liquid dishwashing soap
Shake well and work the solution into the spot.  Let sit a few minutes; launder as usual.

Non-oily Stain Remover
Combine equal portions of:
Liquid dishwashing soap
Shake well and work into the spot.  Let stand a few minutes and flush with water.  This solution works well on stains such as milk, blood, perspiration and urine.  Do not use on washable wool, silk, spandex, acrylic or acetate.

Oily Stain Remover
Combine the following ingredients
1 T. glycerin
1 T. liquid dishwashing soap
8 T. water
Work the solution into grease and oil stains.  Let sit a few minutes, flush with water and then launder as usual.

Fels-Naptha Heavy Duty Laundry Bar Soap
This is an old-fashioned brown bar soap that  your grandmother used.  Wet the bar and simply rub the stain, working it in well.  Great for ring-around-the-collar and perspiration stains.

Ink Away
Made by the makers of Goo Gone.  Follow directions on package and be sure to read the list of things not to use it on.

Spot Shot Instant Carpet Stain Remover
It’s not just for carpets.  It’s a great laundry pre-wash spotter.  Safe for all colorfast washables and works in all wash temperatures.    Works on oily stains, ink, pet stains, cola, shoe polish, lipstick, blood and others.  Do not allow it to dry on the fabric and do not use it on silks, fabrics labeled “dry clean only” or non-colorfast fabrics.

Wine Away Red Wine Stain Remover
Works great on Kool-Aid, grape juice, red soda, cranberry juice, orange soda, coffee, tea and red wine stains.  Works on tomato-based stains like ketchup, spaghetti sauce, tomato sauce and on barbecue sauce. Made from fruit and vegetable extracts and is totally non-toxic.

WD-40 Lubricant
Works great on grease stains and oil stains on clothes like salad dressings, grease splatters when cooking, crayon, lipstick, Chap Stick.  Spray on the WD-40, Wait 10 minutes then work in undiluted liquid dishwashing soap and launder as usual.

Zout laundry stain remover removes tough stains, even old set-in ones.

20 Mule Team Borax
Helps remove soils and stains, brighten clothes and freshen your laundry.

posted by: Kathy Keene 9 month(s) ago Comment On This Post

Daily Survival Kit

Wednesday, Jan, 8 2014


Today, I am giving you a Daily Survival Kit to help you each day…………

TOOTHPICK….to remind you to pick the good qualities in everyone, including yourself.

RUBBER BAND… remind you to be flexible.  Things might not always go the
way you want, but it can be worked out.

BAND-AID… remind you to heal hurt feelings, either yours or someone else’s.

ERASER… remind you everyone makes mistakes.  That’s okay, we learn by our errors.

CANDY KISS… remind you everyone needs a hug or a compliment every day.

MINT… remind you that you are worth a mint to your family and me.

BUBBLE GUM… remind you to stick with it and you can accomplish anything.

PENCIL… remind  you to list your blessings every day.

TEA BAG… remind you to take time to relax daily and go over that list of blessings.
This is what makes life worth living every minute, every day.


posted by: Kathy Keene 9 month(s) ago Comment On This Post

ABC'S of Home Remedies

Monday, Jan, 6 2014

ABC'S of Home Remedies

(This information is not intended to diagnose or treat ailments.  Please consult your doctor before tryin any home remedies).

A is for Aloe Vera Gel. 
Squeeze it from a tube or harvest a live plant.  It's antibacterial and anti-inflammatory properties soothe skin irritations, cold and canker sores, insect bites, cuts and burns.

B is for Beer.
Add 2 cups of beer to a hot bath to pamper your skin and soothe itchy conditions like psoriasis.  A glass of beer daily is said to prevent and/or alleviate urinary tract infections and kidney stones because of its diuretic effect. You can pour beer through your hair after shampooing, rinse well and enjoy lush, shiny hair.

C is for Castor Oil.
Use the oil topically to treat skin irritations, including age spots, ringworm and warts.  Apply castor oil to eyebrows to make them grow in lusher and darker.  Warm a little castor oil and massage into joints sore from arthritis.  (Ask your pharmacist for unscented castor oil).

D is for Denture Tablets.
Follow package directions and soak unsightly yellow nails for five minutes and then rinse.  Drop your diamonds in; rinse well and watch them sparkle.

E is for Elmer's Glue.
For minor burns, run under cool water and then apply a layer of glue to prevent blisters from forming.

F is for Fels-Naptha.
Shave off a few slivers of the soap, mix with sugar and water to make a paste, and then use as a drawing salve for boils and sebaceous cysts.  (Cover with a bandage and leave on for half an hour or so.)  Wet the end of the bar and rub on your skin to ease the itch caused by poison ivy.  If  you use it immediately after exposure, you might avoid a rash.

G is for Gin.
Take a handful of golden raisins, cover them with gin and let sit until the raisins have absorbed all the liquid. Take nine (not eight, not 10) raisins a day to eae the symptoms of arthritis.

H is for Horseradish.
Freshly grated or jarred, mixed with lemon juice eliminates age spots on your hands and arms.  Mix 1 T.
horseradish with olive oil and use as a liniment for arthritis and sciatic pain.

I is for Iodine.
Decolorized iodine (ask the pharmacist) painted on skin tags will make them fall off painlessly after a few treatments.  To combat brittle nails, apply to tips only once a week.

J is for Jell-O.
One-third cup of powdered Jell-O dissolved in 2/3 cup of hot water makes a tasty cough syrup.  And a daily serving of gelatin helps fight arthritis and sore  joints.

K is for Ketchup.
Full of lycopene, ketchup helps prevent sun damage and prostate troubles.  Use it as a facial mask or as a treatment for hair turned geen by chlorine.

L is for Linseed Oil.
Also known as flaxseed oil (buy in the vitamin aisle, not the hardware store).  It's an excellent source of omega-3s.  For pain of plantar fasciitis, soak a cloth in warmed oil and apply to our heel until it cools off.

M is for Milk of Magnesia.
For acne, dermatitis or sunburn, apply a film and let dry, then rinse.

N is for Nail Polish.
Get rid of warts, plantar warts and ringworm by painting on clear nail polish daily until the skin is clear.  Or use it to seal painful paper cuts and hangnails.

O is for Oatmeal.
Add oatmeal to your bath to soothe itchy skin, chicken pox, shingles and poison ivy.  Cook a cup of unflavored oatmeal and massage into your hands to soothe arthritic fingers.

P is for Pets.
Take a break and pet your pet.  Pets lower blood pressure, ward off depression and keep us healthy and happy.

Q is for Quinine Water.
Drinking tonic water and its perky cousin, bitter lemon, is an inexpensive way to combat night time leg cramps. It works for those irritating eyelid twitches we all get from time to time too.  Pregnant and nursing women should skip this one.

R is for Rice.
Soothe sore muscles by filling an old sock with uncooked rice.  Heat it in the microwave for 1 minute and apply to the painful area.

S is for Sunshine.
It's free and it's fundamental.  Just 20 minutes of direct sunlight daily increases vitamin D, boosts your immune system and improves your mood.

T is for Teabags.
Black or green tea will do.  Soothe an abscessed tooth by applying a teabag, dry or wet, and keeping it on the tooth for at least 30 minutes.  This works on canker sores and cold sores too.

U is for Udder Salve.
Made originally for cows, this heals eczema, raged cuticles, chapped hands and diaper rash.

V is for Vanilla Extract.
Rub on painful gums, or add to unscented lotion for a comforting massage.  For car sickness, take 1/2 tsp. vanilla extract mixed with 2 T. each honey and water.

W is for Witch Hazel.
A cloth soaked in witch hazel eases the pain and swelling of varicose veins, bruises, hemorrhoids and puffy eyes.

X is for Xylitol.
Xylitol is a natural sugar used in many kinds of chewing gum.  It eases heartburn, fighs cavities and dental plaque and has a gentle laxative effect.

Y is for Yellow Mustard.
Chefs and moms reach for mustard from the fridge to treat minor burns and prevent blisters.  Swallow a tablespoon of mustard to stop night time leg cramps in short order.

Z is for Zinc Oxide.
Surfers know that zinc oxide is a reliable barrier-type sunscreen.  It's also effective against diaper rash and rosacea.


posted by: Kathy Keene 9 month(s) ago Comment On This Post

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