I especially like to celebrate Mother’s Day.  When I look at my kids and how they have grown, I realize what an important job I have.  I enjoyed this beautiful Mother’s Day video tribute at www.1ngod.com, and wanted to share it with other mom’s.

This is a new social networking site.  I’ve been on Facebook (FB) for a little while and have found a lot of my friends I lost track of from High School.  After joining this site, I find that I like it a lot better.  It has a family-friendly atmosphere, and it seems you can do more on this one.  I have posted photos easily, I also have a favorite video from YouTube on my page.  There’s an area to blog and you can leave comments and photos on your friends pages.  I am also able to have this blog attached to my page.  There are various applications you can add to your page as well, but it’s all positive content, no reference to drinking or gambling.  My kids (the twins) each have a page as well as some of their friends, and it’s nice that I don’t have to worry about what they might see or come across.  I personally have been shocked by some of the applications that FB has. 

My sister-in-law lives in California and she’s on 1ngod, and we have really been able to connect with her more, we probably talk with her everyday now.  I look forward to seeing this community grow, meet new people and stay in touch with my family.  If you are looking for a more family-friendly social network, check it out at www.1ngod.com and stop by my page and say Hi!!

Lately I have enjoyed watching “cake shows”, on the Food Network Channel.  My favorite is Ace of Cakes, which comes on every Thursday night and chronicles the day to day cake creations at Charm City Cakes in Baltimore.  Duff Goldman is the owner and his staff are his friends.  They are a bunch of laid back, somewhat eccentric, very creative people.  It’s not only fun to watch them create the cakes, but to also watch their different personalities and how they interact with each other.  You can learn more about them at their website www.charmcitycakes.com.

The newest show I have been watching is Last Cake Standing.  This was a 4-week Food Network Challenge, where 6 chefs competed for $50,000 and the title of “Best Cake Artist in America”.

The first week they had to tell their life story in cake.  My favorite chefs from the beginning were Bronwen Weber and Mary Maher.  I’ve seen Bronwen in other challenges before and really like her work.  This was the first time I was watching Mary, I paid close attention to her since she is from Chicago.  The first week they both had exceptional designs.  These cakes have to be 3 feet tall, and they have 8 hours to complete the whole cake.  Then they have to move the cake to the judging table.  I don’t know why I like to watch, it is quite nerve-racking just watching it.  This first challenge they knew ahead of time what the challenge was, the twist was they didn’t have the usual time to set-up their kitchens.  They were there for about 15 minutes, and then the 8 hour clock started.  They usually get about an hour and a half to set-up their kitchens.  This first challenge was won by Mary Maher.  Mary and Bronwen both advanced to the next challenge.  Each week one chef is eliminated.

The second weeks challenge was a wedding cake design.  The twist…they had to find out what the bride and groom wanted for their cake while driving around with them in a limo.  When the chefs got enough information, they had to get back to the studio and begin making the cake.  All this was included in the 8 hours.  Mary was the first back to begin her cake design.  I think had she stayed she would of had a better design, it was a risk she took.  Bronwen stayed  a little longer and was one of the last ones back.  As we watched we got a better feel for the couple and what they wanted.  They really didn’t want a traditional wedding cake, and the bride really didn’t like flowers.  The second week my two favorites Bronwen and Mary were not eliminated.

Third week’s challenge was a team effort, where they had to create Super Hero cakes.  Bronwen and Mary were on opposite teams.  Mary’s team won this challenge.  Bronwen and her teammate then had to do a 30-minute bake-off to determine who would be eliminated.  Bronwen moved to the final challenge.

The final challenge was between Mary Maher, Bronwen Weber and Courtney Clark.  I have seen Courtney’s work before, and she is good, but she gets pretty emotional during these challenges.  I can’t blame her, these are stressful competitions.  She’s also known for her topsy-turvey cakes, so a lot of her designs are like that.  Whereas Bronwen and Mary tend to make unique cakes with many different techniques.

This final challenge was a mystery client.  They had to interview the client and find out what they liked and design a cake.  The twist…6 mystery clients.  The Dilley Sextuplets were turning 16, so they had to design a Sweet Sixteen Birthday cake.  This time they had 24-hours to design, create, and deliver the cake to the birthday party.  During the 24-hours they could work straight through, eat, or sleep.

In the end, I actually liked Courtney’s design and idea, and it was done very well.  Bronwen had a really good idea, but was unable to execute it fully.  I do love her personality and attitude and she’s extremely talented.  Mary’s design was very clever.  The sextuplets were getting their drivers licenses as well as turning 16, so the base of her cake was a car.

In the end the winner was Mary Maher of Cakegirls in Chicago.  Her and her sister Brenda competed and they own the Cakegirls bakery.  You can check out their many designs on their website at www.thecakegirls.com.

Also, for those of you in the Dallas area, check out Bronwen at Frosted Art Bakery, and see her many designs on her website at www.frostedart.com.

Keep in mind these are professional chefs as well as artists.  So if the recession isn’t affecting you or you really love cake, their prices won’t shock you.  As for me, I’ll keep rootin’ for them on the different Food Network Challenges they participate in!!

First it was the Archway Cookies. Now it’s the place where I had my first job. Each week on the news we hear of store after store closing their doors. Family owned businesses whose establishments are icons in small towns and neighborhoods are closing as well. I am saddened to hear that Whiting News Company is no exception. This company served the residents of Whiting for over 100 years. This is where I had my first job.

Many of you are probably wondering what is a Whiting News Company? Well I’m going to take an enjoyable trip down memory lane and tell you all about it. Keep in mind what I am describing took place in 1981 through 1987. Over the years the company had to change with the times, so a lot of the things I did no longer were done. This was a family owned company where families worked. That is how I got my job. Both my brothers and sister worked there before me. When I was there we sold newspapers like the local Hammond Times, the Chicago Sun-Times, Chicago Tribune, USA Today and the Wall Street Journal. Whiting News was the place where you ordered your home delivery of these newspapers. So they also employed paperboys. The store also sold office supplies, party supplies, greeting cards, boxed Fannie May Candy and had a HUGE candy counter. Well…HUGE to maybe a 4-year old…fairly large to the average adult. We sold penny candy, when it actually cost a penny. We had boxes of Swedish Fish that stood open on the lower shelves of the candy counter. That way a kid could help himself to as many as he could fit in the little brown paper bag he was given to hold his treasures. Also on the shelves of the candy counter were all the other penny candy we all grew to love; Sixlets, Mary Jane’s, Bazooka Gum, Smarties, Laffy Taffy, Hot Dog Gum, Jolly Ranchers and my favorite Flying Saucers. For ten cents you could get a small box of Lemon Heads, Red Hots, Jawbreakers, or Boston Baked Beans. We had every candy bar imaginable including Zagnut, Clark Bars, Marathon Bars, Zero Bars and my all-time favorite Mallo Cups. At the top of the counter was a clear plastic container that housed individually wrapped marshmallow ice cream cones. We had something for everyone. Lifesavers, Dentyne Gum, Bubbalicious Gum, Mentos, and something called Chowards Scented Gum that was in a purple box and smelled like violets. It was violet flavored gum, can’t say that I ever tried it. As a clerk, we kept the trays and boxes full from stock we kept stored behind the counter. If we ran out of an item, there was a piece of cardboard taped up behind the counter and we would just write down what we needed, like M&M’s, Hershey Bar or simply red fish. No fancy order forms or product numbers. Our boss then took the list each week and ordered what we needed. We as workers could eat whatever we wanted. It became a natural reflex to grab a fish every time you passed the counter.

There were always three of us high school girls working, along with an older lady named Sophie who worked on the “card side”. She was in charge of all the greeting cards. One of the girls would work in the office and the other two would work up front helping customers. Even though we sold office supplies, we never took note pads off the shelf to use. There were always these cut up scraps of paper for us to use. Instead of throwing used paper out, we cut them into small pieces and used them for notes. We were able to use the pens though, but only if one had run out of ink. So when we came into work, the two of us working up front would decide who would “do shelves”. That meant we took a couple of the scrap pieces of paper and would walk up and down the aisles jotting down what we needed to restock. All the stock was stored in the basement. Oh….the basement. It had very low ceilings. Everyone had to duck walking down there, especially around the light bulbs. Though, many a time I did hit my head on one of those!! OUCH!!

This was a place and time that didn’t have computers. We used a newer cash register, but we had to know how to count change. We were not allowed to use the function on the register that did it for us. This was beneficial because the cash registers in the office and on the card side were older models and when we filled in back in those areas, we needed to know how to give change.

All of us “girls” that worked there came directly from school. One of the things we didn’t particularly like was the dress code, no jeans!! We could wear pants, but they could not resemble denim in any way. This was enforced by the owner’s wife, Kitty, who was dressed meticulously. Every day she wore a suit or a nice blouse, skirt and usually pearls. I guess enforced is a strong word for such a petite woman. It’s just that when you were hired in there, she told you about the dress code, and you didn’t try to undermine her authority. Kitty worked in the office and on the card side. She was the one that kept us girls in line. We were not allowed to just stand around. Definitely could not stand around talking to one another. We had to straighten shelves or straighten the cards or stock the merchandise. She always kept her eye on us. Around the holidays, we kept busy by gift-wrapping the boxes of Fannie May Candy that we stored in the freezer. That was one of my favorite jobs. We had this huge roll of wrapping paper under the counter, and you pulled out the amount you needed and tore it against the straight edge attached to the roll. We also had these large tape dispensers where you pushed on a lever and tape was dispensed. We would wrap quite a few boxes at a time; these were big sellers especially around the holidays. I only worked with Kitty for a couple of years. Even after she was gone, we kept up her high standard, kept busy, and dressed nicely for work.

When I think back of the records we kept without a computer, still boggles my mind!! When the bundles of newspapers came in, a guy named Dutch would know exactly how to distribute them. I couldn’t tell you how many came in, but it was a lot. We supplied the papers to all the local stores to sell and for the people in town who had home delivery. All of the information Dutch needed was written on cardboard pieces, in pencil, and slid into these makeshift clipboards with plastic covers. The “guys” that worked at Whiting News drove the vans that delivered the bundles of papers to the stores and to the different homes for the paperboys to deliver. This is what my brothers did. This of course was after they had been paperboys.

I don’t remember what each paperboy received to let them know where to deliver the papers. Each route had a number and encompassed certain areas of the town. I do remember early Sunday morning waking up to help my brothers “stuff” the papers with all the inserts, roll them up and put them in a plastic bag or put a rubber band around them. It was usually still dark out. My dad usually drove them on Sundays since the papers were thicker. I also remember how black your hands would get from the newspaper ink, and the smell of it.

To keep track of the customers for home delivery, we had these wooden file boxes that held the large index cards of each customer’s account. We used a typewriter and typed their name, address and phone number at the top of the card. Their monthly payments, however, were written in pencil. Each month we would take the cards, letter by letter, and would prepare the bills to be sent out. We had little green slips, and in pencil, we would hand write the information for each customer. We then stuffed them in window envelopes and sent them out. I was probably one of the few that really enjoyed doing this. I love to write. It was done at the same time every month, so on those days I looked forward to going to work. Once the bills were sent out, we then took the cards out again, customer by customer and wrote on the index card the next billing cycle dates. When payments or customers came, we would pull their card and write down that they paid for that cycle. This was the only place we had all this information. So each night when we closed the office, these file boxes were stored in the metal safe. By storing them in the safe each night, allowed them to withstand the fire that broke out in downtown Whiting. We lost a couple of stores that day, but Whiting News only suffered water and smoke damage, mainly in the front of the store.

When I was there, the owner and his son ran the store. But it was John, the owner, who always kept us on our toes. He was an older gentleman and did things his way, but had a sharp business mind. All his work was done in pencil and he would use the same one until it was so tiny. But I tell you what, that tiny pencil would fly across the paper to add things up. John always kept after us to stay busy. He had these funny ways of saying what he wanted us to do, which you caught on to quickly. With all the newspapers we sold, there were always little bits of paper on the floor, and we had a little push broom to get them up. If we didn’t get to them before John saw them, he would walk by and say something like, “there’s some snails by the front door.” That meant we needed to sweep them up. Then there were these rare times when he would pull out his harmonica and just start playing. This of course was when there were few customers in the store. He would then end abruptly and with half a smile and a twinkle in his eye he would make sure we all got back to work. He was pretty good too.

The people I have told you about have long been gone, but their lessons have stayed with me. This weekend, Jay, the son, will close the doors and probably begin his well-deserved retirement. I don’t want to think it’s closing due to the recession. I would rather think it’s due to an era gone by.

Yes, it’s tax time. In the past couple of weeks, you probably have been receiving the various forms you will need to file your taxes. By law, everything should be mailed out by January 31, 2009, including your W2. Most people usually dread filing taxes and wait to the last minute. I personally enjoy it. There are so many resources out there to help you file your taxes, and if you do it electronically and use the direct deposit option, you can receive your refund from the IRS within 8 to 15 days. No longer do you have to wait for a paper check in the mail. I have used the following two websites to file my taxes, they are very helpful and make the process relatively painless. My taxes are already filed and I have also received part of my refund, more on that later. I also use the Illinois Department of Revenue site to file directly with them, and I have already received my Illinois refund as well. There are many places online that you can use, but I have actually used these two websites myself.

Turbotax.com This is by far my favorite and I have recommended it to many people. Years ago, I would purchase the actual software from year to year, but now everything is online. You can even view previous year’s tax returns, if you used Turbo Tax to file them. This is the easiest to use. To begin you go through an interview process that asks questions like did you change jobs, did you contribute to your 401K, did you sell property? (all example questions are not verbatim). When you answer the questions, the info is then put where it needs to go on your tax form. It also helps with any forms that you might have received in the mail. For example the bank sends a 1099-INT form of any interest you earned. Turbo Tax will ask you, did you receive interest, as reported on form 1099-INT? One year I did a person’s taxes for them using Turbo tax and they had a form for their contributions to their 401K. I would have never known where to put that on the tax form. But Turbo Tax asked about it, referring to the form number it was reported on, and then they take you step-by-step in where to put the information. This increased this persons refund by $400. They now use Turbo Tax themselves every year.

Turbo Tax can also file your state returns as well. My favorite part of Turbo Tax is the little box it has at the top of the screen that shows your refund amount in green and your payment amount in red. As you enter numbers in, it will scroll up or down and then stop at the amount of your refund/payment. It’s so exciting to see those green numbers going up and up. Cha-Ching!! At the end, Turbo Tax checks your return and sees that there is nothing that the IRS will question and gives you and opportunity to make changes. They also have a program that maximizes your deductions; it looks for all possible deductions for you. It is a very thorough program. Also another advantage is, you can literally complete your whole tax return for free to see if you will receive a refund or have to pay. You do not pay for the use of this program until you are ready to file your return. You also have the choice of paying by debit card, or you can have your fee deducted from your refund check. This involves a third party bank, where your IRS refund is sent to the bank, and then they deduct any fees due, and then they deposit the balance of your refund into your checking or savings account. I have also used this option without any problems.

You also have the option of printing out the forms and mailing them in, or filing electronically where you can have a check sent to you or have it direct deposited into your checking or savings account. Like I said earlier, doing it electronically will have your refund to you within 8 to 15 days directly from the IRS. I have always done it this way without any problems, and it usually takes about 14 days to be deposited.

Using Turbo Tax is really the best way to file your taxes, especially if you just file the standard return. But I have also used it when we had a home business, and it walks you through everything and has a lot of help topics as you go along. After using this program for a couple of years, I did go to a place to have them done, I don’t remember the circumstances why, but I realized that I could of done them myself, it’s like the same program that the tax preparation places use. **BUT…these programs do not replace the advice you can receive from a tax professional. If you are in doubt or have any questions, please consult with a tax professional.

One year I waited to the last day to file, close to midnight, and it took a little longer to download all the info, but it was still filed on time. I think this was back when everyone was still using dial-up. But I have not had any problems using this program. I showed my dad how to use it one year and he now uses it every year. I also told a friend of mine about it, because she also put it off to the last minute, and she couldn’t say enough about it. They also have other services you can pay for such as Audit Defense, where they will assist you if you get audited. You can also have a professional review your return to get you your biggest refund. They have different editions of the program to use for your different needs, and they vary in price. There is a free edition for filing simple returns and the 1040EZ. Use the Deluxe program to maximize your deductions, Premier for investments and rental property, Home & Business for personal and business filing in one or the Business program for Corporations, Partnerships and LLCs.

 

Rapidtax.com  This is the website that I used this year to file my taxes. The reason I didn’t use Turbo Tax this year is because I needed to take advantage of a Rapid Access Loan (RAL), and Rapid Tax had this available. A Rapid Access Loan is essentially a loan you receive from a specific bank, Santa Barbara Bank & Trust (SBBT) based on your refund amount. So if you need your money within 3 business days, this is the way to go. What happens is, you will receive up to $3000 minus all fees due from SBBT once you file your tax return. The IRS then sends your refund to SBBT. If your refund is more than $3000, when the IRS sends your refund to SBBT they deduct the amount of the loan, and then direct deposit the balance into your account. The rates for this are: to receive $300 to $2857 it is 3.5% of the loan. From $2857 to $3000 it’s a flat rate of $100, there is an additional $30.95 handling fee. Using Rapid Tax, you will also have the cost of the program that you used to file your taxes deducted, so there is no out-of-pocket expense to you. I used Rapid Tax this year to take advantage of the RAL.

As far as the functionality of the process, it was user friendly, but I felt like it wasn’t as thorough as Turbo Tax. Rapid Tax also has different programs to use. The Basic has unlimited email and live support, unlimited W2, above the line deductions (e.g. moving expense, teaching expense, student loan interest, alimony). The Standard program has all the basic features plus itemized deductions, joint tax returns, unlimited dependents, adoption credit, earned income credit for child and education expenses and child tax credit. You can also go through your whole return for free to see if you will receive a refund or have to pay. It is in the final steps where you will pay for the program once you file your return. Also available are additional services such as professional review of your return, professionally bound file copies, or a 3-year audit protection plan, these are all at an additional cost. I was satisfied with the process, and receiving my money was not a problem. So I do recommend this site as well. My tax returns are not that difficult to do, so that is why I felt confident in using another program. I feel that Turbo Tax is the better choice from the two.

Hope this has helped, and let me know what you think if you happen to try any of these websites.

Even when times are tough, and we are trying to save money anyway we can, we still like to look good!! Since I have turned 40, I have begun to really take care of my skin. I should have probably been doing this since my 30’s, but I still see results with what I am doing now. I have found that AVON has a lot of products that are top quality, but at the fraction of the cost. They continually have their core products on sale throughout the year, so you rarely have to pay full price once you begin to enjoy the benefits of a certain product. Below is a list of the AVON products that have been compared to some of the more high-end companies.

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~ ~ ~ PERSONAL CARE ~ ~ ~

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