Amy Currioman

As much as I tried to avoid it, I finally arranged to have texting enabled on our family’s cell phone plan. Up until now I had ordered it blocked because I think texting is dangerous and rude on many occassions, and people don’t seem to have the common decency or sense when to use it or not. But my son told me that his boss really wanted him to have text messaging enabled, so I went ahead and enabled it.

So I had to have my son teach me how to use it, and he laughed at me because he thought that I should already know how to use it! It was easier than I thought it would be, and I have used it a couple of times. I wonder how much I’ll use it in the future. I can’t imagine doing it while driving. That would be dangerous and dumb.

This guest post from Lewis Beck

Being a small business owner is a lot of work but I really found out the true meaning of that when I got mono last year. I was more or less a one man shop and being so sick for so long nearly put me out of business. I learned the importance of having good people behind you when you need them most and also not to solely rely on yourself since it’s hard to really know when you’re going to be out of commission. Thankfully before I even opened the doors of my shop I did a lot of research on things like online billing and small business xo and really had the whole place ready to go for someone to take over so when my best friend Jim stepped in to help out while I was sick it wasn’t too much of a learning curve. He really saved me those couple of weeks and after a few months things were back to normal. I don’t know what I would have done without all his help!

Over the years I’ve learned some interesting things about tricks restaurants use on their customers. A long time ago I read some literature about how different colors effect different moods. For example, red, yellow and orange are “high energy” colors and are often used in fast food restaurants because the restaurants know that those colors will encourage the customers to eat quickly and leave (making room for more customers) and the “high end” restaurants will often use “calming” colors such as blues and greens to encourage their customers to linger longer (perhaps order more alcohol which is their big money maker) and order dessert, relaxing and enjoying their meal and the company they are keeping.

I was just reading an article on the Time.com website about “what makes you eat more food” and was surprised to read that one of the things that makes you eat more food in restaurants is that most restaurants turn their thermometers to cooler temperatures. When the body is cold, a natural reaction to warm up is to eat more food. So the restaurants are trying to get you to eat more food by making their customers cold!

Guest post by Dee Johnstone

I was really glad when the white lab coat that I ordered from the http://www.blueskyscrubs.com/ arrived yesterday. I had ordered for my son to  wear as part of a Pokemon costume at the Pokemon tournaments that he has planned for the kids where he works.

He works at a residential school for “at risk children” ranging in age from six to fourteen, and he has a small group of kids assigned to him. They have a variety of issues (which is why they are there) but he has had really good luck getting the kids to settle down and learn to cooperate and follow rules by teaching them how to play Pokemon and holding tournaments once a week.

Every kid that plays wins cards, but the ones who win the games get extra cards. The kids love it. I’m really glad that he has found a way to incorporate his love of games into his work and that it is helping the kids to learn life skills.

When I was a lot younger I decided to invest in the stock market. The reason that I decided to do that was because my employer was offering a 401K plan where the money was invested solely in the company stock. Several years later I decided on a whim that I wanted to buy Disney Stock because I had just gone to Disney World and had a great time. I wanted to own a piece of Disney! At the time Disney Shareholders got special discounts (not anymore!) and a really nice magazine that came out a couple of times a year (again, not anymore!)

And a few years after that I read in the local newspaper that a Wal-Mart was going to build in a nearby town and the Motley Fool column in the newspaper suggested that Wal-Mart stock would be a good investment.  So I bought some Wal-Mart stock.  Not a lot, but I still bought some.

For the most part, the stocks that I have purchased have done relatively well, but a couple of months ago I met a financial advisor that suggested that I take some of my 401K money that was largely in the stock market and roll it over into an IRA that is full of annuities.  I really did not even understand how annuities work, but he sat down with me for about an hour and explained them, showed me some great Annuity Rates and convinced me that moving some of my money into annuities would be a smart thing to do at this point in time. I sure hope he’s right!