Only the oldsters get the benefit $$

Here is a head shaker for today.  

We still subscribe to the daily local newspaper, Lacrosse Tribune because Jerry wants a morning paper with his coffee.  So far delivery is going ok, although from time to time that is another aggravation source.  The price has risen over the years, but as I said, he likes his morning newspaper, worthless as it is some days.  We pay quarterly and I noticed on the latest invoice that if we switched to monthly, allowing them to automatically debit our card, it would be cheaper, about $5 per month,  That just doesn't seem right to me, usually paying ahead is a greater discount.  So this morning I went over to their office in Lacrosse, since I was at the Y.  Years ago my neighbor told me to always go over there to get a better deal.  I didn't believe it  but she was right.  Rather than clicking online or calling their 800 number and getting a no English speaking person, so I stop in.  Fortunately we still have the luxury of a local newspaper  office, wonder for how long though because the paper is now printed in Madison, WI.  But it remains the LaCrosse Tribune.  

Today I wanted to find out if it is really cheaper month to month then we will switch back to that.  I guess I am cheap, but us retirees gotta watch out for our $$.🤣

Yes, cheaper monthly that way, BUT as always happens, there was a cheaper yet deal. If we pay for the year, it is cheapest,  works out that we save the cost of a full quarter.  That offer is not available online nor by calling the 800 number.  Go figure.  So of course, that's the option I selected. 

Got home & told Jerry how much I saved, $61.  Also the desk clerk told me that most people pay no attention,  just as long as they can use their plastic charge cards, guess they are happy.  She told me, not to be insulting, but only us old folks are predominantly the only ones who come into the office to pay or inquire, so the local office has negotiated ability to offer greater discounts.  Hah, but only us geezers will benefit!  The rest are too busy to pay attention.  These are the same people who never have a couple bucks cash but use plastic for  the smallest purchases everywhere, every time and glower at the likes of me digging cash out of my purse when they are behind me in line.  That brings on my passive aggressiveness and  stimulates me to be much slower, sometimes even counting out exact change.  Ahh, I  take my joy wherever I can get it.   

Of course, fewer and fewer subscribe to newspapers too, mainly only us geezers.  So as long as we can deal with the local office we are ahead.  

I just do not understand not paying attention to what you spend,  those must be the same overly educated idiots who whine about their student loans.

One a Penny two a penny

Only a week until Easter so begins again my annual hunt for authentic hot cross buns, which apparently have gone out of fashion like so many things of memory. I remember this Mother Goose rhyme : 
Hot-cross buns!  Hot-cross buns!

One a penny, two a penny, Hot-cross buns!

If you have no daughters, Give them to your sons;

One a penny, two a penny, Hot-cross buns!

Wikipedia says "The earliest record of the rhyme is in Christmas Box, published in London in 1798.^[1] However, there are earlier references to the rhyme as a street cry in London, for example in Poor Robin's Almanack for 1733,"  

Imagine that, a child in the 1950's grows up reciting a poem from the 1700's and remembers it today in 2016.  As I ponder many things of the past, I wonder, am I getting that old that I think back more and more?  Perhaps.    Here in  the tenuous Minnesota spring time weather which can bring sun one day and dust with snow overnight as t did last night I wonder about all sorts of things.  From my Facebook morning posting, two photos a week apart. 

Back deck with new bistro set covered, snow
dusting overnight March 19, 2016

Back deck Bistro set covered with tarp as Jerry insisted
March 11, 2016, to my protest, he cautioned, "It will
still have some winter weather could have snow." He was
right of course, I go for the sun as my long rooted in  California mind is fooled once again

 I like to go outdoors for a  walk of 4-5 miles, adopting the habit of young European mom's I saw in Germany and Austria who put their kiddies in strollers and off they push around town for a mid day breath of fresh air.  Good for the soul to be out there, as friend Lisa says. We live in a lovely small town that is very amenable to walking, so I can easily cover those miles.  If I want to stay closer to home I can trot 1/4 mile down the street to the high school quarter mile track where round and round I go getting in a few miles easily.  

The other day walking, I thought about my late aunt Jinx and a gallon jar filled with coins that she left behind with the label, "Money we have found walking."  When we cleared her house after she passed in 2009, we found her jar pushed back on a closet shelf with over $300 assorted coins, apparently found here and there by herself or late Uncle John, her husband on their walks or in parking lots, or wherever.  I too used to find money frequently sometimes even currency.  And somehow I began to think that  today in all the miles I walk I never find money, none, not even a penny.  Was it that long ago that I would stop and pick up a loose penny on the ground, recalling, "a penny saved is a penny earned."  as others might just walk by, leaving the copper coin there. 


This reflects how rare use of cash is today.  While Jerry remains "old school" and likes to pay with cash, I seldom carry more than a couple dollars, instead use my handy ATM debit card.  That was another annoyance in Europe to be using different cash currencies in the different towns.  Last October in California at a restaurant with cousins and aunt, Jerry pulled out cash to pay the bill to the astonishment of my 80 some year old Aunt Pearl who asked wide eyed, "Do people still use money today?" 

Think about it, cash is rarely used.  Many are addicted to "points" they accumulate from charging  everything on plastic cards.  They consider accumulating points wise, a rebate, a bargain, I find them  annoying. For example our Verizon points, over 300.000 and not a thing worth our cashing them.  Most of their offers require additional cash for something we would not buy anyway.   So the Verizon points sit and pile up, useless.  We have used some points on other cards for cash yet the $100 or even $10 is not nearly what we have spent. 

We have never been charge card type people, which has likely given us a much  easier lifestyle today in retirement.  Often we hear these adds about consolidating debts, stretching the finance payments out and I am grateful that we never got into that lifestyle.  Other than our home mortgages, we did not owe payments.  If we charged anything it was paid for fully the next month when the bill arrived. We were frugal, savers, we did not waste our hard earned money and did not live beyond our means.  How different were we from others?  Yet, our frugality has afforded us a debt free retirement, a nice life style. 

We used to save spare change, coins that accumulated in purse and pockets went into a basket and then  periodically Jerry would roll them up into the  distinct paper coin wrappers and take them to the bank.  Today that basket takes longer to fill, as I mentioned I admit to seldom using cash so I have  less change to dump and Jerry often leaves his along with the tip at the restaurant, or spends it.  Not too long ago when he took the last stack of rolled coins to the bank, they had to open each and dump into the coin machine to count, a sign of the times.  The teller said it was now the policy because some unscrupulous people used to plug the rolls with  fake currency.   

Money, yes, I always stooped to pick up a penny, coins.  And yet today, no spare change drops from pockets.  It's probably a good thing people do not drop their plastic cards, that would be a terrible find in the hands of the wrong person.  How different life is today from when we skipped along chanting and holding up and down our fingers,
"Two shiny quarters,

Before the day was done
One bought a sucker,

Then there was one.
One little quarter,

I heard it plainly say,
"I'm going in the piggy bank

For a rainy day!"

Pocket change

And that's it for today, when few anticipate the possibility of that rainy day.  We were raised differently in different times, when money was cash, one spent what they had or less.  And yes, tragic circumstances, misfortune can foil the best laid plans, but still saving money, planning was a good thing.  I am glad we did.