Protecting your privacy – Paying at the supermarket or at any type of store

Protecting your privacy

Each week we at the business desk will be presenting you with a tip on how
to better protect your privacy and this is our newest feature.

We are constantly striving to protect ourselves from scams and scammers, but
most of all we need to ensure that our privacy, confidentiality, and
independence are kept safe from prying eyes and those who thrive on
destroying our right to these precious commodities.

We welcome your feedback and look forward to bringing you great tips.

The business desk team

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Paying at the supermarket or at any type of store
Usually there are three methods of payment and you should probably choose
the one that best suits you.
A. Via cash: Make sure that when you open your wallet that you do not open
it up too wide so that prying eyes could see or read what you have in it.

B. Via credit card: Here is where you need to ensure that when you enter
your pin number that you do it yourself.
Chances are that the helpful cashier or sales person would be willing to
help but better be safe than sorry. Make sure to ensure that you cover the
screen or the keypad so that no one can see what you are entering.

C. Using your debit card. This is probably the most risky of the three
methods in that you would need to enter more info than in option 2. Not
just your pin number, but the type of account that you are withdrawing from.
Chances are that the cashier or sales rep could be counted on to keep your
info private but if you are concerned then it is probably best to take a
trusted person along with you when you go shopping.
Be sure to destroy all of your receipts when you arrive home so that they do
not get into the wrong hands.

Posted in Uncategorized | Comments Off on Protecting your privacy – Paying at the supermarket or at any type of store

Helpful tips for May 2018

Hello there and welcome to our monthly feature of all kinds of tips.
We at the business desk are pleased to bring you our monthly feature of a
plethora of tips that cover a wide range of topics.
All of our tips are designed to help you save time, cut down on your
research, and help you get ahead.
So go ahead and read on.
This week we bring you our monthly tips.
It’s what we do for a living! We help you to help yourself!
Enjoy!
From the business desk team at http://www.sterlingcreations.com.
Follow us on Twitter @accessibleworld

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Helpful tips for May 2018

In this issue:

General tips
Articles of the day
From the pages of Donna’s travel diary
_________________________

General tips
Courtesy of the research team at http://www.sterlingcreations.ca

Okay, what is a really good way to evaluate someone who you think may be
having a stroke?
F stands for look at the facial features.
A stands for look at their arms.
S stands for notice their speech.
T stands for take action.

What are two very good ways to keep your clothes and sheets, blankets, and
pillow sacs free from moths and bugs?
Place lavendar or cedar satchels amongst them every six months.

Some cleaning tips?
Clean your microwave weekly.
Do the same for your bath tub.
Wash your pillows every three months.
Clean your computer keyboards every week.

The best type of container to store your clothes and linnen in?
Yes, plastic, not cardboard or anything else.

Here’s something interesting to know about spaghetti:
It contains less sugar than pasta with shapes.

About black tea and white tea:
These two types of tea are great for controlling the spiralling of one’s
sugar levels.

Okay, and here are some tips for ketchup and mustard before using them.
The magic to this is that you need to shake well before pouring contents
from these jars.
For if you do not; it would be extremely difficult for ketchup and mustard
to come out of the bottles.

Right then, some news about spider plants!
They are gret plants for helping to keep the air clean in your home.

Some tips for quelling a hickups attack:
Eat slower,
Drink water.

_________________________

Articles of the day
Chosen by the Business Desk team

A Dan Thompson contribution
preparing your garden for winter and feeding winter backyard birds

I guess today’s tip gives away a few of my hobbies. These are gardening and
feeding God’s beautiful creations of the sky and land.

I have inserted the links after checking if they are still active.

Fall Garden Checklist

Use this timely guide to prepare your garden for winter.

There is also a video full of tips on preparing your garden for winter at
this page:

http://www.bhg.com/gardening/yard/garden-care/fall-garden-checklist/

1. Water:

Give all of your plants a good drink, especially your trees. Their roots
need plenty of moisture to make it through the upcoming months.

2. Shop for Bulbs

Order from catalogs or visit garden stores early for best selection.

If deer or rabbits are a problem in your area, select pest-resistant bulbs
such as daffodils, Siberian squill, and fritillaria.

Take time to learn about the best spring flowering bulbs. Visit the link
below for ideas.

“The best fragrant flowering bulbs”

http://www.bhg.com/gardening/flowers/bulbs/editors-picks-best-spring-bloomin
g-bulbs/

3. Plant Shrubs and Evergreens

Early fall planting gives new plants enough time to get their roots
established before winter.

4. Clear Debris from the Base of Roses

Fallen rose foliage can give diseases a safe place to overwinter and create
problems in your garden next year.

Learn more about getting your roses ready for winter here:

http://www.bhg.com/gardening/flowers/roses/winter-protection-for-roses/

5. Amend Your Soil

Get the ground ready for next year’s beds and your fall bulbs by tilling the
soil and adding home-made compost.

6. Plant Fall Annuals

Once your summer blooms fade, add color to your garden with fall annuals,
such as mums, pansies, and ornamental kale.

7. Lower the Height on Your Lawn Mower

Grass grows more slowly in fall, but it still needs to be cut to prepare for
winter. A lower cutting height helps the soil dry out more quickly in
spring.

8. Feed the Birds

Don’t forget your feathered friends; their food supply grows scarce in
autumn.

Learn more about bird feeding here:

Such as how to attrack songs birds to your winter garden, creating a bird
friendly garden and more at the link below.

http://www.bhg.com/gardening/design/nature-lovers/bird-feeding/

9. Divide and Cut Back Perennials

While you’re digging them up to divide them, try rearranging plants if they
haven’t been working in their current location.

Test Garden Tip: Hold off dividing asters, chrysanthemums, and other
fall-blooming perennials. It’s best to split them in spring.

Tips on dividing perennials can be found at the link below.

http://www.bhg.com/gardening/flowers/perennials/dividing-perennials/

10. Dig Summer Bulbs

Love the way your favorite summer bulbs performed this year? Save them for a
repeat show next year! It’s easy: Dig and store dahlias, cannas, caladiums,
callas, and other tender bulbs in peat moss or sand in a cool (around 50
degrees F is best), frost-free spot for the winter.

Get more tips on Storing Tender Flower Garden Bulbs at this link.

http://www.bhg.com/gardening/flowers/bulbs/storing-tender-flower-garden-bulb
s/

11. Rake and Mulch

Left unattended, fallen tree leaves may suffocate your lawn. Shred them and
they make great mulch.

Find the The Best Mulches for your garden here:

http://www.bhg.com/gardening/yard/mulch/the-best-mulches/

12. Get Bulbs in the Ground

Plant your favorite bulbs now for colorful springtime blooms.

You can usually get away with planting bulbs late, up until the soil freezes
solid enough you can’t get a shovel

in the ground.

Don’t miss these bulb planting tips here:

Tips for Planting Your Favorite Bulbs

http://www.bhg.com/gardening/flowers/bulbs/planting-tips/

13. Force Bulbs Indoors for Winter Color

Get an early touch of spring by planting bulbs now to bloom indoors in
January or February. Bulbs such as narcissus and hyacinth work well if you
plant them now and keep them cool until you’re ready to enjoy the blooms.

14. Feed Your Lawn.

Don’t let your lawn go into winter without the nutrients it needs to battle
the long sleep. Know how much lawn food to use with our fertilizer
calculator. Found here:

http://www.bhg.com/gardening/yard/lawn-care/lawn-fertilizer-calculator/

15. Bring Tender Container Plants Indoors

Remove dead foliage and break up any hardened soil before hauling your
cherished tropical plants (such as mandevilla, passionflower, and citrus)
indoors for the winter.

Tip: Keep an eye out for pests, too. Before bringing plants indoors, spray
them, if necessary, to keep aphids, mealybugs, or other harmful insects out
of your house.

16. Empty Hoses, Fountains, and Drip-Irrigation Systems

Ensure any standing water is removed from your watering equipment; store
items in a dry place.

17. Clean up the Vegetable Garden

Remove weeds and debris so pests won’t make your garden their winter home.

18. Dig Up Annuals

Spent and dead, your summer annuals can now nourish the compost heap.

19. Protect Cold-Sensitive Plants

Shrubs, roses, and perennials that might succumb to blasts of cold should be
protected with mulch or another protective covering. Place these frost
barriers after the first freeze.

Source: Fall Garden Checklist from Home and Garden

http://www.bhg.com/gardening/yard/garden-care/fall-garden-checklist/

Links inserted by Dan after checking if they still were ctive.

* Winter Birds You Can See in the Backyard – Birding and Wild Birds

Updated June 29, 2016.

http://birding.about.com/od/birdprofiles/a/North-American-Winter-Backyard-Bi
rds.htm

Novice backyard birders often assume that there are no birds around to enjoy
during the coldest months. In fact, there are many beautiful winter birds
that may normally be found only in far northern habitats but that readily
visit backyards when the snow flies. Backyards can be essential for winter
birds and provide necessary food and water when natural resources are at
their scarcest.

Why Backyards Matter to Winter Birds

In winter, deep snow and ice can bury foods just when birds need more
calories to keep warm through bitter cold. At the same time, water is locked
into frozen ice so birds cannot easily drink. Dropping temperatures can make
birds slower and more vulnerable to illness or predators, and fallen leaves
offer less protection to keep winter birds safe. Fortunately, a
bird-friendly backyard can provide for all of a bird’s needs even during the
coldest months.

* Food: When insects are dead or inaccessible to feeding birds,
nectar-producing flowers
are long gone and seed supplies are exhausted, winter backyards can be a
vital food source. Higher calorie foods such as suet, peanut butter
and
nuts are ideal for feeding winter birds and will attract more species to the
backyard.
* Water: While snow and ice are both water, frozen water is less
helpful to birds because they must expend energy to melt it to drink. Even
if birds eat snow directly, their bodies must generate more heat to
metabolize that snow and overcome the chill. A heated bird bath
can be
critical, and birds will quickly find and flock to such an easy, convenient,
liquid water source in winter.

* Shelter: Evergreen trees provide great shelter for winter birds
,
but in areas where deciduous trees have lost their leaves, not as much
shelter may be available. Birds can take refuge in hollow trees, but those
hideaways may be few and far between. Backyards that offer winter bird
shelters
such as dense brush piles, roost boxes or year-round bird houses will
attract more visitors.

* Nesting Sites: Birds do not breed in winter, but year-round
residents remain in the same territories and will quickly revisit their
favorite nesting sites when spring arrives. Ensuring that those sites,
including bird houses or bird nesting shelves
,
remain safe and suitable can help keep even more backyard birds around all
winter.

Top 40 Winter Backyard Birds (U.S. and Canada)

The exact species of winter backyard birds will vary depending on range,
geography and habitat. These 40 species are those most likely to be found in
snowy backyards throughout the United States and Canada. Some are common
backyard birds year-round and others are only winter visitors. Still other
species have regular irruptions
and may be
common one year and absent the next.

When visiting the webpage below, you can click on any species for more
information including identification clues, diet, general range, preferred
habitat, distinct behavior and tips for attracting the species to your
backyard.

The species found at the webpage blow are not the only backyard birds that
might appear in winter, but they are quite common within their respective
ranges. If a backyard meets their needs, they are likely to be winter
visitors.

Below is the list of 40 winter backyard birds. Immediately folloing the
list is a link to where you can get more information on each species.

Where Other Birds Go

For many backyard birders, their favorite species – such as tanagers,
hummingbirds, warblers or orioles – are conspicuously absent in winter.
These and many other birds are migratory, and in winter they travel hundreds
or even thousands of miles to milder climates or rich tropical regions that
can support many birds with ease. While the journey can be difficult and
migrating birds face many threats

along the way, these birds will return in the spring to revisit their
breeding grounds and raise their next generation. We may miss them in
winter, but even when the snow flies, many great birds are still flying
around the backyard!

Top 10 Foods for Winter Bird Feeding > Bird Watcher’s Digest

http://www.birdwatchersdigest.com/bwdsite/learn/top10/winter-bird-feeding.ph
p

Winter: ’tis the season for feeding birds all across North America,
especially in those regions where it gets mighty cold and snowy. If you are
a veteran bird feeder, you’ve probably gained lots of insight into the
foods your backyard birds prefer. Perhaps you’ve learned through trial and
error, or perhaps you did your homework and read up on the subject.

If you are just getting started in bird feeding, or if you are frustrated by
a lack of success in attracting winter birds to your feeders, the first
thing you need to determine is whether you are feeding the right foods. If
you are not giving the birds what they want, you might not have many birds.

The following 10 foods are extremely popular with backyard birds all across
North America.

If your favorite bird food is not on this list, please let me know. After
all, I am not omniscient. I’m just a guy living in Ohio who likes to feed
birds.

10. Black-oil sunflower seed. This seed is the hamburger of the bird world.
Almost any bird that will visit a bird feeder will eat black-oil sunflower.
Birds that can’t crack the seeds themselves will scour the ground under the
feeders, picking up bits and pieces. Bird feeding in North America took a
major leap forward when black-oil sunflower became widely available in the
early 1980s. Why do birds prefer it? The outer shell of a black-oil
sunflower seed is thinner and easier to crack. The kernel inside the shell
is larger than the kernel inside a white-or gray-striped sunflower seed, so
birds get more food per seed from black-oil. This last fact also makes
black-oil a better value for you, the seed buyer. Striped sunflower is
still fine (evening grosbeaks may even prefer it slightly), but black-oil
is better.

9. Peanuts. Peanuts-de-shelled, dry-roasted, and unsalted-are a fairly
recent trend in bird feeding, at least in North America. In Europe, feeding
peanuts has been popular for a long time. Peanut manufacturers and
processors have now identified the bird-feeding market as a good place to
get rid of the peanuts that are broken or otherwise unfit for human
consumption. Ask your feed/seed retailer about peanut bits or rejects.
Several major feeder manufacturers now produce sturdy, efficient
tube-shaped peanut feeders. Woodpeckers, jays, nuthatches, chickadees, and
titmice will readily visit a feeder for this high-protein, high-energy
food. Even cardinals and finches will eat peanuts.

8. Suet. Most humans don’t want a lot of fat in their diet, but for birds in
winter, fat is an excellent source of energy. Ask at your grocery store
butcher counter if you don’t see packages of suet on display. No suet
feeder? No problem-just use an old mesh onion bag. If you want to get fancy
with your suet, you can render it. That is, melt it down to liquid, remove
the unmeltable bits, and then allow it to harden; this is best accomplished
in a microwave oven. Rendered suet lasts longer in hot weather, and while
it’s melted, you can add other ingredients to it (see “bird treats,” #1,
below).

7. Good mixed seed. Is there such a thing as BAD mixed seed? You bet! Bad
mixed seed has lots of filler in it-junk seeds that most birds won’t eat.
Bad mixed seed can include dyed seed meant for pet birds, wheat, and some
forms of red milo that only birds in the Desert Southwest seem to eat. Good
mixed seed has a large amount of sunflower seed, cracked corn, white proso
millet, and perhaps some peanut hearts. The really cheap bags of mixed seed
sold at grocery stores can contain the least useful seeds. Smart feeder
operators buy mixed seed from a specialty bird store or a hardware/feed
store operation. You can even buy the ingredients separately and create your
own specialty mix.

6. Nyjer/thistle seed. Although it can be expensive, Nyjer, or thistle, seed
is eagerly consumed by all the small finches-goldfinches, house, purple,
and Cassin’s finches, pine siskins, and redpolls. You need to feed thistle
in a thistle feeder of some kind-the two most commonly used types of
thistle feeder are a tube feeder with small thistle-seed-sized holes, and a
thistle sock. A thistle sock is a sock-shaped, fine-mesh, synthetic bag
that is filled with thistle seed. Small finches can cling to this bag and
pull seeds out through the bag’s mesh. Two potential problems with thistle:
it can go rancid or moldy quickly in wet weather and uneaten seeds can
germinate in your yard, creating a patch of thistle (Guizotia abyssinica)
plants that you may not want. Fortunately, this problem does not seem to be
widespread. All thistle seed is imported to North America, and it is all
supposed to be sterilized prior to entry into the United States and Canada.

5. Safflower. This white, thin-shelled, conical seed is eaten by many birds
and has the reputation for being the favorite food of the northern
cardinal. Some feeder operators claim that safflower seed is not as readily
eaten by squirrels and blackbirds (caveat: your results may vary). Feed
safflower in any feeder that can accommodate sunflower seed. Avoid feeding
safflower on the ground in wet weather; it can quickly become soggy and
inedible. You can buy safflower in bulk at seed and feed stores.

4. Cracked corn. Sparrows, blackbirds, jays, doves, quail, and squirrels are
just a few of the creatures you can expect at your feeders if you feed
cracked corn. Depending on where you live you may also get turkeys, deer,
elk, moose, and caribou. Fed in moderation, cracked corn will attract
almost any feeder species. Some feeder operators only use this food to lure
the squirrels away from the bird feeders. Squirrels love corn-cracked or
otherwise-best of all. Whole corn that is still on the cob is not a good
bird food because the kernels are too big and hard for most small birds to
digest. Cracked corn is broken up into smaller, more manageable bits.

3. Mealworms. We fed mealworms to a pair of nesting bluebirds all this past
summer. They rewarded us with four healthy broods of young bluebirds.
Eighteen fledglings in one summer should land our bluebirds in the Guinness
Book of World Records. Most feeder birds, except goldfinches, will eat
mealworms if you offer them. Mealworms are available in bait stores, or by
mail order. Don’t worry, they aren’t slimy and gross. In fact, they aren’t
even worms; they are larval stage of a beetle (Tenebrio molitor), if that
makes you feel better. We keep 1,000 mealworms in a tub of old-fashioned
rolled oats and feed them to the birds in a shallow ceramic dish. The dish
has slippery sides so the worms can’t crawl out.

2. Fruit. Humans are supposed to eat at least three servings of fruit every
day. Fruit is also an important dietary element for birds, but it can be
hard to find in many areas in midwinter. Set out grapes, slices of citrus
fruits, apple or banana slices, and even melon rinds, and watch your birds
chow down. If you want to feed raisins, chop them up and soak them in warm
water first to soften them up a bit. Offering fruit to tanagers and orioles
is a traditional spring and summer feeding strategy, but many winter feeder
birds will eat fruit, too.

1. Homemade bird treats. You can come up with your own recipes for winter
bird treats. Smear peanut butter on a tree trunk, and poke some peanut bits
into it. Melt suet in your microwave, and pour it into an ice-cube tray to
harden. Before it solidifies, add peanut bits, raisins, apple bits, or
other bird foods. Put the tray in your freezer to harden. Once it does,
you’ve got cubed bird treats-easy to make and easy to use!

Below is the list of winter backyard birds. Immediately folling the list is
a link where you can find more information about each one.

* American crows

* American goldfinches

* American robins

* American tree sparrows

* Anna’s hummingbirds

* Black-capped chickadees

* Bohemian waxwings

* Carolina chickadees

* Cedar waxwings

* Common redpolls

* Cooper’s hawks

* Dark-eyed juncos

* Downy woodpeckers

* European starlings

* Evening grosbeaks

* Golden-crowned kinglets

* Hairy woodpeckers

* Hoary redpolls

* House finches

* House sparrows

* Mourning doves

* Northern cardinals

* Northern mockingbirds

* Pine grosbeaks

* Pine siskins

* Purple finches

* Red-bellied woodpeckers

* Red-breasted nuthatches

* Red crossbills

* Rock pigeons

* Sharp-shinned hawks

* Snow buntings

* Song sparrows

* Tufted titmice

* White-breasted nuthatches

* White-crowned sparrows

* White-throated sparrows

* White-winged crossbills

* Wild turkeys

Yellow-rumped warblers

http://birding.about.com/od/birdprofiles/a/North-American-Winter-Backyard-Bi
rds.htm

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A Dan Thompson contribution
Fabric Softener Products are the Problem Not the Solution

In the laundry room, most of us are prone to overkill. We want beautifully

clean, brilliantly white, soft and fluffy laundry results. And we don’t
measure. We

pour stuff out of jugs, straight into the washer, often adding a second big
glug just

to make sure.

We use liquid fabric softener by the gallon and dryer sheets by the hundreds

because there’s no such thing as too soft when it comes to towels and
sheets. And

when things come out looking gray and feeling stiff and crunchy, what do we
do?

More detergent, more softener and even more dryer sheets!

The problem is product build-up that never gets rinsed out. Every time you
do the

laundry, more and more product gets left behind. This build-up of detergent
and

softeners can make appliances stink, colors look dingy, whites gray and
linens feel

stiff and scratchy. But that’s not the worst.

The medical website, WebMD.com, reports that the perfumes and additives in
laundry products may cause skin problems. Fabric softeners are very
allergenic and can cause eczema, which appears as dry, itchy skin.

Dryer sheets contain volatile organic compounds like acetaldehyde and
butane, which can cause respiratory irritation. Fabric softener chemicals
known as quaternary ammonium compounds, have been linked to asthma. Acetone,
also

used in dryer sheets, can cause nervous system effects like headaches or

dizziness.

Ironically, commercial fabric softeners-liquid softener you put into the
washing machine and sheets that go into the dryer-are not the way to turn
out beautifully

soft, fluffy clothes, sheets and towels. They are, in the fact, the problem!
The more

you use, the less satisfactory and healthy your results will be.

MEASURE DETERGENT. Check the owner manual to discover the right amount

of detergent for your particular washer. If yours is a HE machine, it uses
very little

water. This is the reason you do not want to add more than you know will be

adequately rinsed away.

NO COMMERCIAL SOFTENERS. Stop using liquid softeners and dryer sheets.

Enjoy the savings.

DOUBLE RINSE WITH VINEGAR. If you’re coming off a laundry-product high, you

may need to double rinse for awhile to coax all of the detergent and product
build- up out of your laundry. Adding 1/2 to 1 cup white vinegar-depending
on the load

size-to the rinse (fill the liquid softener dispenser and it will release
automatically)

does wonders to rinse out detergent and other product build-up. Don’t worry.
You

only notice the vinegar smell when clothes are wet and not when dry, even if
dried

on a clothesline.

DRYER BALLS. They don’t contain toxic chemicals, they last for thousands of

loads, get rid of static cling and wrinkles, soften clothes, and they
actually save time and energy by cutting down on drying time. Dryer balls
are the solution!

Dryer balls of 100% wool are the best dryer balls of all. They mechanically
soften

your laundry without any of the harmful chemicals you find in fabric
softener or

dryer sheets. They lift up and separate laundry while drying, reducing both
the

drying time and wrinkling. Wool dryer balls also retain the heat which it
then

transfers to your clothes as they tumble, this further speeds up the drying
process

saving energy and money.

We have many choices in dryer balls, however I have determined that the very

best inexpensive dryer balls are Wool Dryer Balls by Smart Sheep (about
$17.)

This set of dryer balls will last for years and years without deteriorating,
falling

apart or losing the ability to turn out beautifully soft clothes and linens.
These come

in a 6-pack and are extra large at 9-inches in circumference, each. As dryer
balls

go, these are perfect in every way.

Everyday Cheapskate
www.everydaycheapskate.com

_________________________

From the pages of donna’s travel diary
When packing your carry on

The next time you are preparing to travel by air, it would not hurt to
remember how to pack your carry on so that you do not have to either take
things out and put them into your check in luggage or just simply discard
them.

I am going to include a list of things below that you can take and you can
use this to help you. I compiled these based on my past experience. So
here goes.

No liquids, gels, and creams unless they are under the 1 mil size bottle.
The same for tubes of toothpaste.
No sharp implements such as scissors, pen knives, and nail files.
Best to pack your knitting needles in your check in luggage.
Be ready to hand over your laptop for inspection.
Same for your iPad but you may just get away with not having to do the same
for your iPhone.
Best to buy your food and snacks after you have gone through security.
Label your prescription medication clearly and concisely.
Better to pack your vitamins in your check in luggage.

Try using this list to help you out and see how you get along.
I’m Donna J. Jodhan enjoying my travels.

To learn more about me, visit
http://www.donnajodhan.com

On your next trip you could enrich your down time with some of my audio
mysteries. Take them with you wherever you go!
In the car, on the plane, on the bus or train, at the beach, anywhere!
Affordable, portable, (computer or i device) and you could either purchase
or Subscribe for unlimited access to my library at
www.donnajodhan.com/store.html
and you can now take advantage of our free downloads here.

If you enjoy podcasts then check out my weekly one called take another 5!
From recipes to apps, and from mystery moment to tips for entrepreneur and
scam alerts!
Available for download at www.donnajodhan.com/takeanother5.html

Follow me on Twitter @accessibleworld and at author_jodhan
And like me on Facebook at
www.facebook.com/donnajodhan and at www.facebook.com/authordonnajodhan

Posted in Uncategorized | Comments Off on Helpful tips for May 2018

Protecting your privacy – making out your will

Protecting your privacy
Each week we at the business desk will be presenting you with a tip on how
to better protect your privacy and this is our newest feature.

We are constantly striving to protect ourselves from scams and scammers, but
most of all we need to ensure that our privacy, confidentiality, and
independence are kept safe from prying eyes and those who thrive on
destroying our right to these precious commodities.

We welcome your feedback and look forward to bringing you great tips.

The business desk team

+++++++++++++++

Making out a will
Unlike a few years ago, most lawyers have the ability to provide you with
drafts of your will in an electronic format and you need to ensure that they
can do this in a format that you can read.
However when it comes to signing those all important documents, you again
need to ensure that what you sign is what you expect to sign.

So, first ensure that you can read your draft.
Make sure that you are happy with this draft.
Then visit your lawyer to sign the document.
A lawyer would normally take extra care to ensure that you sign what you
expect to sign.
Be not afraid to ask for as many drafts as you need to before you are
satisfied that you are getting what you have asked for.

For insurance, you could ask a trusted family member or friend to accompany
you to the lawyer’s office.
Just make sure however that you really trust them or another route for you
to consider would be for you to ask your bank branch to provide someone to
go with you or even your investment or personal finance manager.

Posted in Uncategorized | Comments Off on Protecting your privacy – making out your will

A review of the Inn at the Forks Hotel

A review of the Inn at the Forks Hotel
By Donna J. Jodhan

Introduction:
I had the pleasure of staying at this nice little hotel in March 2017 and
for the most part, I found them to be extremely accommodating and
accessible. They sure knew how to accommodate customers with a disability.

So how would I rate their services? With 1 being the lowest and 5 being the
highest, here are my ratings.
Service desk assistance – 5
Assistance for guests with special needs – 5
Assistance at restaurant – 5

Remarks :
Access to the restaurant was extremely user friendly for a vision impaired
person and navigating among the tables was not very difficult.

About Hotel staff:
They went above the call of duty to ensure that my needs were met and they
even made very useful and valueable suggestions.

My meal:
On the Friday evening I shared a huge plata of various delicacies known to
be the treats of Winnipeg.
They were very tasty, yummy, and the servings were huge.
I thoroughly enjoyed my meal and the waiters and waitresses were the best.

Any suggestions?
Not really!

Contact info:

Inn at the Forks
located at 75 Forks Market Road
Winnipeg
PHONE: 204-942-6555
To reserve a room, please contact the hotel directly at:
1 (877) 377-4100.

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Protecting your privacy – You are planning to open banking accounts

Protecting your privacy
Each week we at the business desk will be presenting you with a tip on how
to better protect your privacy and this is our newest feature.

We are constantly striving to protect ourselves from scams and scammers, but
most of all we need to ensure that our privacy, confidentiality, and
independence are kept safe from prying eyes and those who thrive on
destroying our right to these precious commodities.

We welcome your feedback and look forward to bringing you great tips.

The business desk team

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You are planning to open banking accounts
The safest way for you to ensure that your personal banking details are kept
private and confidential is for you to visit your bank and enlist the help
of bank staff.
They will help you and you need not worry about your privacy being
compromised.
You may want to see if they could provide you with electronic documentation
but this should not be counted on.

They will even help you to make decision on the types of accounts that best
suit your needs. IE, types of savings and chequing accounts and other types
of accounts.

It is always better to protect your privacy from prying eyes and do it
within the confines of a bank.

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How to make ziplining more accessible – attracting more customers

Hello everyone:
Each month I will be responding to a question; chosen from a pool of some of
the most commonly asked ones that I have been asked over the years and
continue to be asked.
This month, I’d like to answer the following question:
How to make ziplining more accessible

If you’r seeking ways to make your product/service more attractive to
consumers such as seniors, retirees, and those with a disability; then
welcome to the world of increasing revenues and cutting your external and
internal costs.

For the most part, one may think that it may not be possible to make zip
lining accessible to persons with disabilities. I am here to tell you that
indeed! It is very possible and here are my thoughts for today.

1. Provide training to your staff so that they are comfortable
interactingwith those persons who may have a disability.
2. When you provide this training, be sure to tell your staff that there are
various kinds of disabilities and that this needs to be kept uppermost in
their minds.
3. Your training should include both the soft and hard skills.
Soft skills should include being able to communicate freely with your
clients and hard skills should include how to provide the necessary
services.
4. For example; those in wheelchairs need to be provided with a whole set of
different services as opposed to those who are blind and vision impaired.
5. It does not hurt for you to train your staff to be able to provide
descriptions of surroundings to those who are unable to see them.

The important thing to remember is that your staff needs to receive training
that would enable them to be comfortable with people with disabilities.

I hope that these tips help.

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Protecting your privacy – You have mortgage papers to complete

Protecting your privacy
Each week we at the business desk will be presenting you with a tip on how
to better protect your privacy and this is our newest feature.

We are constantly striving to protect ourselves from scams and scammers, but
most of all we need to ensure that our privacy, confidentiality, and
independence are kept safe from prying eyes and those who thrive on
destroying our right to these precious commodities.

We welcome your feedback and look forward to bringing you great tips.

The business desk team

+++++++++++++++

You have mortgage papers to complete
Yes! At the best of times, these papers are extremely tedious for anyone to
complete let alone a vision impaired person.
So many personal details are required and yes! Your date of birth is
required.
Additionally, other personal details such as banking info.
Warning! If your date of birth falls into the wrong hands then just imagine
what the one who stumbles on it can do with it!
They can use your date of birth to help themselves to your personal details
and there goes your privacy and independence.

You could ask your real estate agent to provide you with the necessary
papers in an electronic format so that you could at least read it for
yourself but when it comes to the completion of the necessary forms then
here is where you would most likely need sighted assistance.

The safest thing to do would be for you to ask your real estate agent to
read them to you and if not, you need to find a trusted person; friend or
family member or neighbour.

There are some real estate agents who may be able to provide you with
electronic forms that you can complete but then again you will need to
communicate directly with the one that you are dealing with.

They may be some things that you would both need to find ways to work
around.

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Helpful tips for April 2018

Hello there and welcome to our monthly feature of all kinds of tips.
We at the business desk are pleased to bring you our monthly feature of a
plethora of tips that cover a wide range of topics.
All of our tips are designed to help you save time, cut down on your
research, and help you get ahead.
So go ahead and read on.
This week we bring you our monthly tips.
It’s what we do for a living! We help you to help yourself!
Enjoy!
From the business desk team at http://www.sterlingcreations.com.
Follow us on Twitter @accessibleworld

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Helpful tips for April 2018

In this issue:

General tips
Articles of the day
From the pages of Donna’s travel diary
_________________________

General tips
Courtesy of the research team at http://www.sterlingcreations.ca

Prices for indirect flights versus prices for direct flights?
Believe it or not, the cost to book an indirect flight to your destination
is cheaper!

When cooking muscles:
As soon as you see the shells open up in your pot of boiling water, it means
that your muscles are cooked.

When you book your stay at a hotel:
Your credit card is not charged until you have completed your stay.

Some very interesting info on Measles:
It can cause blindness, swelling of the brain, and in extreme cases even
death!
In countries such as Italy, Rumania, and the Ukraine; the rise in cases of
measles is growing.
Cases in Germany and Greece are also growing.

For those who shed tears whenever they are pealing onions!
If you are looking for a way to stop this then you can try this!
Put your onions in the fridge for about an hour or so before pealing it.

What are the three most important types of insurances that you should never
leave home without when embarking on an overseas trip?
Here they are!
Travel, medical, and cancellation.

This one is for our kids:
Brush your teeth daily,
eat healthy,
and visit the dentest regularly.
This should help you to keep your teeth well into adulthood.

About Vanilla and orange:
They are among the top 3 most popular flavours according to the food
experts.

_________________________

Articles of the day
Chosen by the Business Desk team

Make It Yourself: Copper Cleaner, Aluminum
Cleaner and Dishwasher Detergent, Too
By Mary Hunt on 08/15/16

There are so many good reasons to make your own household cleaners.
It’s cheaper, healthier and greener, too. The homemade household cleaners I
share with you from time to time do not
contain chemicals. That means you can always count on them to be non-toxic.
Copper Cleaner
Materials:
6 tablespoons table salt
6 tablespoons flour
white vinegar
Directions:
Make a paste of equal parts salt and flour with a few tablespoons of white
vinegar.
Apply to copper item with a soft cloth and rub gently to remove tarnish.
Rinse with water and dry.
Cleaning aluminum containers:
Most aluminum is best washed by hand with dishwashing liquid to
prevent a change in color and feel of the metal. When washed in a
dishwasher, aluminum cookware and other items like these
canisters can react and darken due
to mineral content in the water, chemicals in the detergent or high heat
from the dryer. In most cases, this change in
appearance is not permanent.
I am confident that you can remove the discoloration using natural, ordinary
items such as lemon juice, vinegar or cream
of tartar (made into a paste by adding a bit
of water), depending which you have handy. Apply with a soft cloth or
sponge.
Never steel wool or anything other type of abrasive applicator that can
scratch the
aluminum. Rub gently, rinse with warm water and buff dry with a clean, soft
cloth. Any of these options should remove the
discoloration and provide fast, effective results without damaging the
metal.
recipe for homemade automatic dishwasher
detergent.
The following recipe has met with mixed reviews, due to (I believe) how hard
the water is. Experimenting
with it will not do harm, but your results may vary depending on this one
variable. Provided you do not have a home water
softener system in place, give this a try.
Materials:
Mix together equal parts borax and baking soda. Store in a dry place in a
container that has a tightly fitting life. To
use: Add 2 tablespoons to the detergent holding area (measure it, don’t just
dump some in). Also, instead of a commercial
rinse aid,
you can fill that reservoir with white distilled vinegar.
Caution: Do not use this homemade dishwasher detergent if your home has a
water softener system in place. The reaction between that system and this
homemade detergent could permanently etch glassware.
www.everydaycheapskate.com
Our mailing address is:
Everyday Cheapskate
12340 Seal Beach Blvd.
#B-416
Seal Beach, CA 90740

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* The Wonders of Hydrogen Peroxide
A few days ago I got a message, which reminded me about wonders of an
ordinary product most people have somewhere in the house.
“I had a cut on my hand that opened up while I was putting my expensive
duvet cover (recent wedding gift!) on my comforter, now I have blood stains
where I touched it. Is there any hope to getting these stains out
completely? I tried using a carpet cleaning solution and washing it but,
those stains
remain. I’m worried these
stains will be there permanently. Thanks so much for your help! Georgia
I responded immediately, directing Georgia to soak the stains with
full-strength hydrogen peroxide, In hopes that she’d not set those stains
forever. I
heard back quickly. The hydrogen peroxide lightened the stains almost
immediately, and within hours they disappeared completely. See what I mean?
The stuff is downright wonderful.
Hydrogen peroxide is as harmless as it is powerful both as a household
cleaner
and all around remedy. It is non-toxic, safe, really cheap and available in
any grocery or drug store in a food grade 3% dilution. It’s a wonderful
cleaning
product and reliable sanitizer.
But there’s one thing you need to keep it mind to avoid disappointment:
Hydrogen peroxide has a limited shelf life of about one year when not
opened,
and only six months once opened—provided you store it in a dark place.
Sunlight dissipates it quickly turning it from H2O2 to plain water and
oxygen.
Just remember it needs to be fresh to be effective.
VEGETABLE WASH. You can stop paying $7 or more for “veggie wash.” Make
your own by adding 1/4 cup hydrogen peroxide to a sink of cold water. Wash
your fruit and vegetables in the solution then rinse thoroughly with cool
water.
DISHWASHER. To disinfect your dishwasher, add 1/4 cup 3% hydrogen peroxide
before you close the door to run a load.
CUTTING BOARD SANITIZER. Spray your cutting board with undiluted hydrogen
peroxide. Allow to sit for a minute or two, then rinse clean.
WHITE TEETH. Make a paste of table salt, baking soda and hydrogen peroxide
for the best whitening toothpaste.
T-SHIRT ARMPIT STAINS. Those yellow stains in white t-shirts are quite
annoying. To get them out soak the stains in 3% hydrogen peroxide, which
acts as a natural alternative to bleach, and allow to sit for a few hours.
Lauder as usual.
SANITIZE TOYS AND LUNCH BOXES. Because hydrogen peroxide is a non-toxic
sanitizer, it’s perfect for cleaning plastic toys and lunch boxes.
HUMIDIFIER CLEANSE. Add 2 cups 3% hydrogen peroxide to one gallon water.
Run this through your humidifier or steamer to clean and sanitize the
appliance.
STINKY TOWELS. Can’t get rid of that annoying odor? Try this: Add 1/2 cup
hydrogen peroxide, 1/2 cup white vinegar and those stinky towels to the
washing machine. Fill with hot water and your regular detergent and allow to
soak for 15 minutes Continue the cycle as normal. That should get rid of the
smell.
AQUARIUM MAINTENANCE. Use hydrogen peroxide sparingly to control fungi
and other pests in fish aquariums. Provided you do use it sparingly, it will
not harm the fish.
CUTS AND INFECTIONS. Soak any infection or cut in 3% hydrogen peroxide for
ten minutes several times a day.
I could go on and on with so many more ways to use hydrogen peroxide, and
perhaps I will sometime in the future. In the meantime, make sure you keep a
good supply of hydrogen peroxide on hand.
(Mary Hunt’s Everyday Cheapskate)
www.everydaycheapskate.com

_________________________

From the pages of Donna’s travel diary
Don’t leave home without your passport

It will definitely not pay for you to leave home without your passport these
days and it all has to do with the much increased security especially at
airports.

Thank goodness it has never happened to me and I do not plan to ever let it
happen. The next time you take a trip whether it be by air, sea, or by
train, please remember to pack your passport before anything else.

I’ll also add that for me personally it does not matter whether or not I am
traveling domestically or internationally. I just like to be rather safe
than sorry and this is why I pack my passport any time I travel.

I pack it in a place that is easy to access and one that is easy to remember
where I have put it. Whenever I am approaching the security area, I pull it
out and hold it in my hand until it is safe to put it away. That is, that I
no longer need it.

So for airport travel; get ready to show your passport at the check in
counter, at security, and just before you board the aircraft. Of course,
you’ll need to show it again upon arrival if you are on an international
flight.

I’m Donna J. Jodhan enjoying my travels.

To learn more about me, visit
http://www.donnajodhan.com
On your next trip you could enrich your down time with some of my audio
mysteries. Take them with you wherever you go!
In the car, on the plane, on the bus or train, at the beach, anywhere!
Affordable, portable, (computer or i device) and you could either purchase
or Subscribe for unlimited access to my library at
www.donnajodhan.com/store.html
and you can now take advantage of our free downloads here.

If you enjoy podcasts then check out my weekly one called take another 5!
From recipes to apps, and from mystery moment to tips for entrepreneur and
scam alerts!
Available for download at www.donnajodhan.com/takeanother5.html

Follow me on Twitter @accessibleworld and at author_jodhan
And like me on Facebook at
www.facebook.com/donnajodhan and at www.facebook.com/authordonnajodhan

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Protecting your privacy – Completion of income tax forms

Protecting your privacy
Each week we at the business desk will be presenting you with a tip on how
to better protect your privacy and this is our newest feature.

We are constantly striving to protect ourselves from scams and scammers, but
most of all we need to ensure that our privacy, confidentiality, and
independence are kept safe from prying eyes and those who thrive on
destroying our right to these precious commodities.

We welcome your feedback and look forward to bringing you great tips.

The business desk team

+++++++++++++++

Completion of income tax forms –
In most cases we need to provide our accountants with such things as tax
receipts and statements from our banking institution and we need to ensure
that we provide the correct and appropriate paper work to our accountant.
How do we do this if we are vision impaired, a senior, or a vulnerable
person?

If we have a scanner, then for much of the time we can use our scanners to
read our statements but what if the print on these documents is either faded
or sometimes there is handwriting?
Well! We need to find a trustworthy person to help us out. It must be
someone that we trust; friend, neighbour, or family member.

What if we do not have anyone to help us?
Try going to your banking institution and explain your situation to them.
You would be amazed to find that help is there.

Other actions:
You could ask your banking institution for electronic versions of your
statements.
You could also phone those who have sent receipts to you to see if they can
also provide electronic versions to you.
For those living in Canada:
Try calling 1800 622 6232 and explain what you are seeking.
This is the Federal Government’s toll free number – 1800 ocanada.

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Happy Easter everyone

Happy Easter everyone
From me to you!
And as we celebrate this special holiday weekend; with friends, family, and
visiting our places of worship to celebrate the Risen Christ:
Let us not forget to give Thanks for all that we have been blessed with and
to remember those who are so much more less fortunate than we are!
let us reach out to those in countries where wars have torn families apart!
Where kids continue to be the targets of bullets and guns, starvation and no
access to medical facilities and running water, food and fun!
Where parents continue to weep for their dear kids dead and alive!
And where rulers and leaders continue to display nothing but absolute
disregard for anything that is good!
Happy Easter everyone!

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