To learn anything and everything you can about money, because after all it’s your money!

I would say the first time your parents or your family members ever giving you let’s say a penny or pennies nickel, dime, quarter. And should we be so lucky? A half dollar! From the time we make the money, we spend the money. That is the time that we should start thinking about investing.because the sooner you invest even when it comes to stocks bonds annuities even micro investing and yes retirement that much further ahead of you are from inflation, cost of living adjustment (cola).

As we grow up and grow older?

We should also learn how to spend our money wisely!

I heard it said and I do have to agree with it?

That is every payday. You should set aside a certain amount of money each pay. To pay yourself first! It’s in a way a reward to yourself to give to yourself!

But don’t go hog-wild with either if you have a girlfriend and you have kids or you have a wife or partner Partner have kids you have to take in to consideration those other people in your life.

Money itself can be intricate!

Time for those couples who do have kids?

To the parents? Don’t get into your children’s piggy bank either!

Because when you do such a thing? You’re defeating not only their purpose but also your purpose and your purpose is to teach your kids how to save/invest.

When we get our first job all all concerned about is having money in our pockets Mode of transportation and finding out which place is the best place to hang out!

When I get my first job I’m going to have me some fun!

But at the same time you do lose track of why you are working for the money?

You get so used to having fun each and every payday you lose track of any and all sense of time.

In due time you’ll find yourself in a rut as the old saying goes? Failure to plan means you’re planning to fail!

Each and everyone of us!

It should be our objective, goal our mission in life is not to be cheapskate tightwad tight ass people because even going that route you also end up in a rut as well instead of living comfortably or you’re not being extremely tight wad of person but at the same time to unite living in a luxury type of life and lifestyle either.

To always know quality versus quantity. And I’m sure there’s every single American who clips coupons. Is it all right to say as a hobby/interest?

If you happen to live within an area were you can also get out of town if not out-of-state Sunday papers you’re even that much further ahead!

Like when my family and I were living in the state of Connecticut. There was a 7-Eleven that carries not only in the state of Connecticut the local newspaper but also New York City newspapers as well.

The only difference between the state of Connecticut major city newspapers are New York City newspapers?

The New York City newspapers had coupons for a certain number of cents off and the Connecticut Sunday newspapers the difference was between the two $0.25.

even the store managers informed their cashiers year personal State doing double off coupons to don’t accept coupons that were $1 and over. To always accept coupons that are 99 cents. That went over like a ton of bricks!

You don’t always have to go to the closest supermarket to do your grocery shopping her at the same time to you also have to figure out if it’s all worth it the girl from one supermarket who had good deals on some items or another supermarket you have some good deals on other items.because of the burning of the gas and the fluids and then wear and tear on your vehicle is also the time to take into consideration.

Happy coupon-clipping!

As time goes on.

I hope to come up with some ideas and suggestions on how to save money like this one?

I’ve learned this from an electrician.

He informed me by unplugging any and all items that you are currently not using you will see such a reduction in your electric bill.

Of course we do have to leave essentials basically the refrigerator the cable box the modems/routers.

Basically it’s the item that you are not using that specific moment.

I know there are people that think by using timers they’re still saving money. In having them connected to their lamps there are saving money on the contrary!

Your timer also consumes electricity as well.

I have one comment that I posted of YouTube who says there is no such thing as he put it?

“phantom electricity!”

There are devices that can be bought basically at home improvement stores. They can actually show you how much electricity is still flowing to your devices and appliances that you have plugged in and turned off

Some of us do know that for a fact some of us really don’t believe it. Simply because we have been brought up to believe that when we turn things off no electricity is flowing through a device or appliance when those items are turned off.

Just try to watching TV in the dark can also have a significant impact on your electric bill. Since we are into Indian summer leave your windows open a little bit not a lot just a little if you’re one that loves cool air at night.

Another tip is?

To some it may seem very unheard of.

This can apply to any liquid your detergent or fabric softener liquid, body wash, body gel, shampoo.

Turn on the bottle upside down! And you don’t have to overdo it when it comes to dishwashing detergent body washes so on. You just might be surprised cutting back just a little not a lot just a little in your usage of body washes and shampoos. When you turn your bottles upside down. You are utilizing the contents inside the container.

Those of you who have these space heaters fan type of space heaters that is. Try putting a pedestal fan in front of it. It does spread the heat from your space heater that much more quicker. Of course when we go shopping for electronic devices and what have you!

We always have to look for the energy star energy efficient devices.

Credit repair

11 financial lessons to teach our kids

7 things you do that can lower your credit score

I would be scared beyond excrement if I rode in one

BBC News – What happens if you fall asleep in a self-driving car?
https://www.bbc.co.uk/news/business-49652566

Even even when I first heard of it!

I I did not like it. Because I know they’re going to be some shortcomings from Any type for kind of vehicle.

A a self-driving car/vehicle?

No no sooner or later I found out there was an accident thought about buy a self-driving vehicle.

It it does need some work!

Cleveland Union terminal

I still believe!

At the time we are the only city. I guess in our own way we let it be known to both the commuter locally and also the commercial railroad passenger who will arrive in Cleveland.

At the Time! Fred Harvey restaurant, gift shop, lounge, newsstand.

Just within Cleveland Union terminal alone!

There was a uso, men’s room next to that was a barber shop, railroad ticket counter. And a place where the track announcer would announce over the PA system what train would be arriving at what gate you had to go downstairs to like the basement in order catcher train both commercial passenger and also public transportation Subway, what we here in Cleveland call rapid Transit.

I can remember having lunch with my mom at Fred Harvey’s acorn room which was a buffet-style restaurant and they always had this huge roast beef. I can remember mostly on Fridays we went there for there fried fish. There was one time the chef came up with something called shrimp thermidor! And went over like a ton of bricks!

Next door to the acorn room was Fred Harvey’s English oak room a little more sophisticated dining restaurant.

The gift shop also contain a little snack bar as well as gifts for travelers to take home to their families if they were out of town or out of state.

They also had what they called a satellite snack bar which was kind of across from the Fred Harvey gift shop.

Facing the satellites snack bar to the left was a bakery to the right was the Fred Harvey choo choo lounge.

Next to the bakery was where we clevelanders would grab our rapid transit trains to go east or west bound. Next to it was a self-serve delicatessen.

There was a very unique Ford’s time especially during that time! when does self-serve delicatessen was closed they would put a gate all around it and on Wknds no shutters were needed because of The Life and times the way we were at that time.

There was also another newsstand next to the shoe repair and shoe shine Shop I’m not sure if it was a part of a Fred Harvey family of companies or not.

Little did I know until we have a public transportation strike. That where the old post office used to be. There was a parking garage that led to Cleveland Union terminal.

But then there was another area order where there was a secondary entrance for the rapid transit.

There were like basically for marble ramps there always are a type of incline so in the winter time you really had a hold on to those steel rails otherwise you would slip all the way down. On one side where’s the Fred Harvey gift shop where I was he has your coin operated I guess you could say footlocker’s if you wanted to store something way like a suitcase or something they had coin operated lockers. And I’m next to that was a Fanny Farmer candy store. Across from that was another snack bar next door to that was a I’m not shop various types of nuts they would Rose and salt and sell them.

There was another Fred Harvey newsstand and I’ll never forget every time there was a new issue of Playboy that came out they would get 2 huge stacks of copies of Playboy magazine. Apparently at that time when it was a dollar an issue. I can remember some business which stop by and be nonchalant about it. They would open up the magazine and check out the centerfold. Close the centerfold back and go on their way.

The Fred Harvey newsstand also carry not only magazines and also the local newspapers but on the other side of news then they would sell out-of-town newspapers in various type of national, tabloid newspapers. As well as paperback books. Across from the paperback for crack there was the higbeecompany bookstore next to that was the higbee company shoe repair and shoe shine shop next door to each other. And there was also another bakery right across from the newsstand.

To my knowledge it was the only place where public transportation commuters or commercial railroad travelers would want to check out the department store the higbee company had its budget basement and a couple of rotating doors you when went through the rotating doors you were in the higbee budget basement. You could go up the escalators and check out the the normal merchandise they sold.

When you walked up these ramps and you turn to your right you’ll be on the street level on the higbee company turn to your left there was a bank a little further down there was the transit bar, and you can also go up to the observation deck terminal tower, and you can also enter at the time the Sheraton Cleveland hotel.

I’ve been to the observation deck of the terminal tower there’s basically one story under the top of the terminal tower. on one side you can see the many different interstate highways from the observation deck they look like nothing more nothing less than a bunch of ribbons interchanging with each other.

Fred Harvey pulled out from the terminal Left both newsstands in place.

In place of the acorn room it became a McDonald’s

Commercial railroad faded away Amtrak came up with a different location for Cleveland passengers.

It was the early to mid 80s when things began to change.

In the 90s the city decided to overhaul the terminal. And it was like a mall with different shops And about 5 theaters.

When tower City basically came in? The Higbee company which later became Dillard’s folded. When the May Company later became Kauffman’s folded!

Now! The city wants to turn tower City into a high-tech hub.

It’s amazing!

The Life and times the way they were back then verses the time the city converted from terminal into are you shopping mall.

It is truly amazing how things change over time!

Royal castle vs. White Castle

There was a time here in Cleveland Ohio USA.

We had a couple of restaurants one of them was tasty burger and the other one was most widely known as royal castle!

Royal castle was widely known at least locally. For their small hamburgers. Which were identical to the White Castle burgers, referred to as sliders.

The only difference was the Royal Castle burgers were small and round and for us guys two bites! And the burger is gone!

When White Castle opened up its first store on the west side. There was a line of vehicles as far as the eye could see!

Some if not most of us heard about the size of White Castle hamburgers. It was strictly because White castle’s sliders what is reminiscence a little bit to Royal Castle hamburgers.

White Castle expanded in the Cleveland area during that time but it also acquired churches fried Chicken.

Burgers and fried chicken?

The formula to Church’s fried Chicken was the same. But when churches was a separate franchise. It also had Cajun Rice. White Castle did not.

But sometime during the great recession! The people at White Castle decided to close up what they call “non-performing stores”.

We had fun while it lasted!

Where were you during 9/11?

This question has got the rank right up there the same as where were you when you heard JFK was assassinated?

At the time of 911? I was working. When one of the co-workers told me that a commercial plane hit one of the twin towers.

A few minutes later the same forever told me another plane hit the other twin towers.

I can remember during lunch time I went outside just to see if anything was happening? It was absolute dead silence! No cars on the street. It was so quiet you thought that it was Sunday morning!

When I got home I hit the internet went to USA today. Apparently! Theit machines must have hit the mega overload! Every time I tried to go back to usatoday.com. It would give me past editions of USA today not one for 9/11.

All of the networks just kept talking about it perhaps one or two networks did show a replay of what happened. I can say that all of the networks we’re being way too sensitive when it came to showing anything that was related to 9 / 11.

I think it is safe to say even to this day it’s hard for me to even imagine let alone think of the massive loss of lives on that day.

You do have to give some credit to Mayor Rudolph Giuliani mayor of New York. He did try to spend as much time trying to recover bodies from the tragedy.

I think it’s safe to say that even onto the day and into the future?

He will always be remembered but also so he will not be forgiven and trying to recover every last body that was in the 9/11 in the twin towers at the time.

The difference between renting and leasing?

It’s hard to believe even for me!

People have a hard time trying to figure out or understanding difference between renting and leasing versus owning?

And the difference between having a good track record of paying the rent in full and on time. Versus evictions.

Evictions can weight extremely heavy on a prospective tenant who does have even one eviction on their record.

What really makes it worse? Is when the tenant doesn’t understand or comprehend the difference between renting? Leasing? owning?

And when the tenant moves out? They stopped short of hiring a wrecking ball! And does damage to the space that they were paying!

And the tenant comes up short in paying the rent just short of every single month!

When you rent or lease?

You’re only paying for the space of the place that you’re living at.

You do not own the space of the place none whatsoever!

Usually in some cities there is what’s commonly referred to as housing court. You can always call to find out what you need to know when it comes to renting/ leasing. Or a landlord tenants organization.

Always check with each level of government to see if they have landlord tenant laws.

It’s been said!

There are two prerequisites an income property management owner needs?

A deed! And the pulse!

Even on any level of government that has landlord tenant laws. they are limited because they don’t want to restrict or even detour anybody who is interested in owning income properties.

Each level of government is pretty much the same way when it comes to attracting and maintaining businesses think of that City, county, State.

The only thought that the tenant needs to keep in mind is?

Always keep the space of the place that you rent / lease.

As if you did own it!

But don’t let it go to your head!

Cutting the cord or? There must be something better than cable!

Techdirt: Charter Spectrum Once Again ‘Competes’ By… Raising Prices.
https://www.techdirt.com/articles/20190828/08453242874/charter-spectrum-once-again-competes-raising-prices.shtml

There there was a time in the prehistoric era! When cable first start out it was an antenna service.

Who would have thought that cable would have grown to be this big?

I can remember when it was an antenna service

It was first introduced here in town. But only for the rich suburbs of the city.

As I recall it only covered the channels 2 through 13. At the time during the mid-sixties.

You’ve got your local channels at the time it was 3, 5 and 8, the other channels were filled with either out of town or out-of-state channels. There was even one channel that came from London Ontario Canada.

As a kid I used to play with the TV every once in awhile. Just to see if I could pick up any out of town or out of state TV stations. I loved it! My parents hated it!

The antenna service was promoted as more shows more movies more sports more news.

As the antenna service grew into being cable.

Cable channels were basically custom-made channels. To suit just about anyone and everyone

Now what do we have?

Higher cable rates! Carbon copy of each channel!

In the over 5years I have been here?

Neither the property mgs.want to spend money on this place!

The place has changed over the five years that I’ve been here. 5 times!

Now I haven’t noticed that current management wants me to move out all because they will not renew my lease.

How can you throw out somebody who has paid the rent in full and on time

You would think that in front of the apartment complex! They would install security cameras to find out who has been hacking away at the evergreen bushes.

They have money to hire a towing company to do a reconnaissance mission to make sure all the cars has stickers on them and the ones that don’t get towed away at their expense! No problem there!

Current management does not answer the telephones with a human being they would rather have a caller leave a voicemail message or communicate to them via email they say it’s all due to legalities being what they are?

Childhood Memories

This is for the ones that have been born and raised if not spend time here in Cleveland Ohio USA

Too many besides these Slavic village neighborhood. The Tremont area was another interesting area  neighborhood in the city.

How to change even the Tremont area anything and everything you could have ever needed or wanted is usually within walking distance.

Even during the time! The Tremont area didn’t have a & p mini markers but the local supermarket Fisher foods had a mini market on professor Avenue and then there was another local market bi-rite what’s a little bit bigger than the other mini markets.there was also used as part of the scene in the movie The deer Hunter.

You had dry cleaners to drugstores a laundromat supermarket there was a lot smaller than a mini market, you’re always within a short walking distance of a bar! And I do mean a “short distance!”. Insurance agency.

Mom and pop delicatessens,   and Ashland oil products gas station, the neighborhood record store, a small print shop also operated in the Tremont neighborhood.

Lemko Hall which was also another place that was used in the movie The deer Hunter as well, shoe store, hardware store, appliance store, family clothing store, beauty shop, florist shop, butcher shop, 5 + 10 store, 2 Banks  couple VFW Halls, Saint Theodosius, church St John cantius which was temporarily change to st. John Kanty it was the only church that had a bowling alley! Bakery, there was a bar called the TV in which was next door to the Cleveland public libraries Jefferson Branch. I remember it was an odd phrase because upstairs were apartments and at the time around 1966 my parents was looking at that apartment above the TV in bar. To me it was the only apartment had a bathroom where they had a bathtub only the toilet you had to go downstairs to the other apartments to use and if the tenants downstairs who have the toilet ever had to take a bath they had to come up there is into the other apartment to take a bath!

Red star sausage company that was another butcher shop but they also carried like food service packs cans of applesauce, Harmony which was at the time my first taste of hominy I don’t know which is worse Harmony or grits?

There was behind Tremont elementary school in the back little did I know there was an orphanage. Somehow it was either burned down or torn down the orphanage is no longer there.

There is also a shoe store and insrance company, restaurant called hot puppy shoppe, barber shop, European restaurant which if I recall correctly is  right across the street from the Christmas story museum.

Who could forget Lincoln Park? It had a public water fountain, at the time in the center of Lincoln Park it had a fountain where would spray water in a year later they cemented over it years later the city opened it back up again to what it once was public fountain display and then they submitted it over again and they put a gazebo right in the center of it.

Diagonally across the street from Lincoln Park there is a church call the new pilgrim Congregational Church.

It was the only church I can ever recall in the city of Cleveland!

That had a Nativity scene during the holidays with real sheep!

It was a one-time deal because they never set up a nativity scene with real sheep ever again because one of the neighborhood kids grab some snow an ball and hit one of the sheep in the eye.

And the Tremont area is the only area that I know of at the time that actually had a hospital Grace hospital.

Who could forget the steel mills near by both the Tremont area and Slavic village area?

There was a local PBS pledge drive documentary about the area surrounding the steel mills the interview one of the former steelworkers who said he would bring Frozen TV dinners to work with him and where the men’s locker room was he can put his Frozen TV dinner near the window next to but let’s just say within range of the blast furnace. And by the time lunch time came around he had himself a hot TV dinner!

Every once in awhile during the summer or my parents would have the windows open chill at the Cool breeze I will summer night come in and I are always here air products I think it was their air compressor we always make a bellowing sound I guess I was to release air from there humongous air compressor.

My parents my two half sisters and I are we lived on Houston Avenue anytime you can hear either the ship’s horn because we were next to the Cuyahoga River, or we would hear the the trains horns blow.

There is a section or a strip along professor Avenue.

Or the businesses that once stood are just vacant lots!