Day Care Checklist: Snowbird Edition

Today’s post is called Day Care Checklist: Snowbird Edition.  Before we know it, the snow will be flying and the wind will be howling. As a former day care teacher, I thought I would write a reminder post about the upcoming items that will be needed for your child. This way, it will be easier to get things accounted for early.

 

Day Care Checklist.

Extra Shoes-Please bring a pair of shoes for your child, it is difficult for them to walk around in snow boots all day. Having a pair of shoes to wear will also help cut down on accidents from melted water puddles from said boots.

Two or Three Extra Sets Of Clothes-This is important all year round but especially in the winter time. Sometimes kids fall in the snow on the way to school, they have accidents during art projects and blowouts/sickness is chronic. It is important to have extra clothes on hand so they aren’t being sent home in summer clothes from a dwindling extra clothes supply.

Hats/Gloves or Mittens/Scarf-We all know how easy the temperatures fluctuate. It can be cold in the morning and then frigid and bitter by the evening when it’s pick up time. Don’t forget a hat, gloves or mittens and a scarf for your child.

Day Care Checklist: Snowbird Edition.

Day care Checklist: Snowbird Edition

Photo courtesy of Nathan Wolfe via Unsplash

More Items On The Day Care Checklist: Snowbird Edition.

Extra Socks- Extra socks are great to have on hand in the winter due to puddles of melted snow from boots that may be lurking from arriving in the morning.

Winter Coat-Once again, it is important to send your child in a winter coat due to fluctuating temperatures.

Snow Suit-Some day cares allow their kids to go out for limited periods of time IF the temperatures are not too cold. Check with your day cares policy on this item.

I hope this list will help you round up the winter essentials you will need in the coming months ahead. If you’re like me, even as an adult it’s nice to have a list to remind you what to look for. I hope my Day Care Checklist: Snowbird Edition is most helpful.

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Five Ways To Help Prevent SIDS

SIDS or Sudden Infant Death Syndrome is one of the most horrifying, terrible things a parent can go through. It is also a chronic thought in the back of the minds of care givers. The good news is, there are many ways that parents and care givers can avoid this. Here are five ways to help prevent SIDS.

SIDS Prevention Tip #1

Vaccinate-There are many discussions and arguments over this topic.  However, it is important to keep your child up-to-date on vaccinations. Being immunized for chicken pox, measles, etc reduces the risk of SIDS by 50%.

Five Ways To Help Prevent SIDS.

Don’t Place Baby On Their Tummy To Sleep-Oh how the times have changed. When I was a baby, this was how our parents were told to put us down. Since then they now tell parents to put babies to sleep on their back because they can breathe better.

Five Ways To Help Prevent SIDS

Photo courtesy of Amanda Jorden via Unsplash

Other Ways To Help Prevent SIDS

 

SIDS Prevention Tip #3

No Stuffed Animals-Although they look super cute near your baby while they are sleeping, stuffed animals are dangerous. Eyes, legs and arms can become dislodged and cause a choking hazard if they become lodged in your babies throat.

SIDS Tip #4

Keep Your Baby From Overheating-Dress your baby in light, comfortable clothing for sleeping and keep the temperature of the room comfortable for an adult.

Consider Putting Your Baby Down With A Pacifier- Put your baby down with a pacifier, but don’t force them to take it and if it falls out when they are sleeping, don’t put it back in their mouth.

These are just five ways to help prevent SIDS, there are many more. Although this is just a start, keeping these in mind will help to prevent this horrible tragedy.

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Smiles Intact: What To Do With Your Leftover Halloween Candy

What to do with your leftover Halloween candy. The big night is over, Halloween has come and gone. Even though you had a wonderful time with your children, you may be up to your eyeballs in candy from school, day care and the night itself. I’m sure you are looking at your stash and thinking, we can’t eat all of this. Believe it or not, there are many ways you  can use that candy for doing a lot of good. Here are some ideas to keep those smiles intact as to what to do with all of that  leftover Halloween candy.

What To Do With Your Leftover Halloween Candy.

Bake-Pick out the best chocolate, caramel, candy bars, etc from your stash and freeze it. This will save you lots of money compared to buying regular priced Christmas candy. You can use it in many ways from using a chocolate bar to make shavings for a dessert, adding caramels to brownies or decorating a cake with foil wrapped miniatures.

Nursing/Retirement Homes-Call your local nursing homes and see if they take donated candy. If they do and the home is small enough, buy leftover treat bags at a reduced cost and make treat bags for the residents.

Animal Shelters-Donate some of your candy to the staff at your local animal shelter. They definitely deserve a treat for all they do. This is a great idea for what to do with your leftover Halloween candy.

What to do with your leftover Halloween candy

Photo by Clem Onojeghuo via Unsplash

Other Ways To Use Your Candy.

Homework Help-Teach your kids math skills by using candy as an example. This is a great idea for what to do with your leftover Halloween goodies.

Operation Gratitude-Operation gratitude will take your leftover Halloween candy and send it to our troops overseas. For  more information, click on this link. https://opgrat.wordpress.com/2013/07/18/halloween-candy-for-the-troops/

Halloween Candy Buy Back- At a candy buy back businesses  offer various things (coupons, cash, toothbrushes, creative exchanges,etc) in exchange for your leftover candy. The candy is then sent to our troops overseas as well. To find out more information, visit http://www.halloweencandybuyback.com/

Coffee Treat-Add a Hershey’s kiss to your coffee in the morning and let it melt. Mocha bliss.

Homemade Hot Cocoa-Use some of your leftover chocolate bars to make homemade hot chocolate.

Art/Craft Projects-There are many ways to use candy in art and different craft projects to use as gifts for the holidays.

These are just a few ideas about what to do with your leftover Halloween candy.  This way you can give back and keep those smiles intact.

 

Photo by Clem Onojeghuo via Unsplash

 

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How We Saved Some Gold On Our Irish Wedding

Dreaming of a destination wedding to Ireland? Can’t afford to go kiss the Blarney stone and your husband at the same time? Think you need to chase a pot of gold to have an amazing Irish wedding here at home? Nope. We did it and had a blast. Here are some of the ways we saved and still had a great theme wedding.

Irish Wedding Attire.

The Dress. I found a quaint little shop that carried overstock dresses and previous season dresses, as well as two or three designers to order from. In the end, I wound up with the third dress I tried on (off the rack), which ironically had patterns on the bodice similar to an Irish Claddagh. Total cost for my dress with alterations: $632.38.

Groom’s Attire. We decided that my husband would wear a traditional Irish Grandad shirt, vest, black pants and black dress shoes. We found the shirt on the web site www.IrishInspiration.com. We found the vest on www.Gentleman’s Emporium.com. The pants and shoes came from Walmart. Total Groom’s attire: $140.00

Rings. In the grand scheme of things I didn’t feel like our rings were too over the top. I picked out a unique wedding set with a sapphire in the heart of the Claddagh and sapphire chips in my wedding band. My set cost around $1700. My husband on the other hand found a cool black and blue titanium ring on Overstock for $58. This is how we saved some gold on our Irish wedding.

How we saved some gold on our Irish wedding.

The Irish Ceremony.

Ceremony Music. We hired a lady to play the bag pipes for our ceremony music. My husband was referred to her by a customer where he worked at the time. She did an excellent job and we saved a lot of green. She only charged us $200. We used an iPod loaded with Irish music for our reception. Contact your local Irish Society to find connections to Irish musicians.

Time Of Day. We got married on a Sunday in the middle of the afternoon. We were supposed to have the ceremony on the square in the middle of town, but it started to pour down rain ten minutes before the ceremony started. So, we had our ceremony in the quaint, little room that was reserved for our reception. That was prearranged just in case of bad weather. We definitely got our money’s worth that way.

Traditional Vows, Blessings, Handfasting and Jumping The Broom. These were the most important heart of the matter and best of all, free.

A Great Reception.

Photography. Even though you want top notch photography for your wedding, it does not mean you have to go with the most expensive photographer in town. Ask friends and relatives who they use for just their normal family photography and weddings. There are lots of amazingly talented people who have studios out of their homes or just do it on the side. Our photographers worked with my Mom and did a fantastic job. You don’t need to get tons of pictures either. We got a smaller package of 150 photos with photo CD and also a slide show DVD. We paid less but we didn’t sacrifice on quality. Total: $200

Decorations. We used second hand china tea cups with flowers. The cups were found at local Goodwill stores. Imitation gold coins were scattered around to decorate our tables at the reception. We also had a Claddagh cake topper that we bought at our local Irish imports store. Our flowers we purchased at Michael’s at a discount when the fall season ended the year before. Cost: $122.50

Food. Since we were married in the mid afternoon, we decided against a sit down dinner. This allowed us to serve hor d’oeuvres, drinks and cake. We also didn’t serve alchohol, which also cut down costs. We had 40 guests including wedding party. Total: $500

So as you can see, there are lots of great ways to save on a theme wedding and make it memorable. My husband’s Irish eyes were definitely smiling once we tallied the savings on our Irish wedding. In a world where the average wedding costs $31,213.00, we only spent $3,552.88. That is the story of how we saved some gold on our Irish nuptials. Who knows, maybe we will get to take that trip to Ireland someday after all.

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How To Save Money On Holiday Baking Supplies.

We’re coming up on that time of year again. Halloween is fast approaching and after that let the holiday planning begin. If you’re like me and love to bake, you are going to love this post. Today I’m talking about how to save money on holiday baking supplies.

Save On Baking Basics.

Aldi– My favorite place to get my basics is at my local Aldi’s store. I can get flour and sugar for a under two dollars a bag. I can get baking soda for .49 a box and baking powder for about $1.99. Chocolate chips (various varieties) all run $1.79 a bag, marshmallows run from .89-$1.99 a bag (depending on size), vanilla extract runs $1.99 and they also have graham pie crusts for $1.19.

Baking Mixes-Once again, Aldi is my life saver. I can usually find boxed baking mixes for around $1.99-$2.49, depending on what it is. Usually around the holidays they have all kinds of specialty mixes like Snickerdoodle bars, Hot Chocolate cupcakes and Caramel Chocolate cupcakes to name a few. I don’t buy a lot of these, but it doesn’t hurt to have them in a pinch either. Just another way how to save money on holiday baking supplies.

How To Save Money On Holiday Baking Supplies

How To Save Money On Holiday Baking Supplies.

Leftover Halloween Candy- Every year, I raid the leftover Halloween candy the day after at Walmart. I tell you, this is a baker’s dream. I have gotten big, 48 oz bags of Hershey’s kisses and Reese’s miniatures for $4.50 in the past, and normal size bags of Twix, Butterfinger, Snickers, etc for $1.50. This definitely beats having to pay regular price at holiday time.  I just take it home and freeze it for later.

Foil Pans, Decorative Trays and Bakeware– I usually buy my 9×13 foil baking pans for $2.98 (2 pk w/lids). One year in the Christmas baking aisle I found a set of decorated, oven safe, cardboard baking papers (assorted loaf sizes and mini muffins)  for $8.98. Also, if I need any extra plastic trays to give things away on, I can get them for around two dollars.

(Tip:  Speaking of cookie trays, check this out for a money saver. Line a cookie sheet with parchment paper and then take a bag of starlight mints and arrange them in a circle. Bake at 350 for 8-10 minutes and then let cool completely. You now have an edible cookie tray. I haven’t tried this yet but I definitely plan to this Christmas season!)

Cereal-If  I am making s’mores bars, I buy a big bag of Malt-O-Meal Honey Grahams for around $6.00.  I can make two 9×13 pans with one bag. I’m not sure if they have rice cereal or not in this brand, but you can always be adventurous and try something else.

More On How To Save On Holiday Baking Supplies.

Spices-Another holiday baking supply that can get really expensive is spices. I usually buy mine at our local Big R or also at Aldi’s if I’m out. A lot of it depends on what I need. Aldi has a decent spice collection but our local Big R store has a massive one. Many people swear by the ever popular McCormick brand but I do not. I have found that inexpensive works just as good as the big brands. I can get spices at Aldi for around $1.99 and at Big R for a little less than that. If you don’t have either of these stores in your area, take a look at your local Dollar General or Family Dollar.

 

Now that you know how to save money on holiday baking supplies, go start baking! 🙂 Feeling inspired? Tell me what you plan to make in the comments, I would love to know.

 

Photo courtesy of Stephanie McCabe via Unsplash.com.

 

 

 

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Why Have A Will?

Do you ever wonder, why have a will? Let’s face it, we’re all going to die. It’s a 100% done deal. No one knows how or when, but it is going to happen. It could be tomorrow or it could be 40 years from now. Regardless, of timing we all need a will. It doesn’t matter if you are 25, 35, or 85. We all have possessions, children or spouses, and ideas of what we want done with our assets. Are you single and don’t think you need to do this? Think again.  Still, there are tons of people who haven’t lined out their wishes. Still not convinced? Here are some more reasons why you need to put a will in place.

Why Have An Estate Plan?

You decide how your estate will be distributed- This allows you to decide how your estate will be handled upon your death. It helps minimize family fights and  clearly spells out the who, what, and when aspects of your estate. Without having this done, there is no guarantee your wishes will be carried out.

You decide who will take care of your minor children-You put in writing who is allowed to take care of your minor children. This way you know who will be raising them and, more importantly, put in writing who shouldn’t be raising them. Without this legal testament, the courts will pick  family members or state-appointed guardians.

Avoiding drawn out probate- Despite a common belief, all estates must go through probate, with or without a will. However,  a legal document cuts down on this process by having everything lined out about how you want your estate to be divided. Without a legal document, the court will decide how to divide your estate, which can cause long delays.

It can minimize estate taxes- A will allows you to minimize your estate taxes. The value you decide to give away to family members or charities reduces the value of your estate when it’s time to pay estate taxes. Are you still wondering, why have a will?

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Other Reasons To Have A Will.

You decide who will tie up the loose ends of your estate-Choosing an executor is important because this is the person who will make sure all your affairs in order. This includes paying off bills, canceling credit cards and notifying banks and other businesses. Be sure to appoint someone who is honest, trustworthy and organized.

You can disinherit people who would otherwise inherit-A lot of people don’t know they can disinherit individuals in a legal document. This is especially helpful if you have gone through a bitter divorce or have irresponsible children.

You are able to make gifts and donations-This allows your legacy to live on and reflects your values. Gifts up to $13,000 are excluded from estate tax, so you are increasing the value of your estate for your beneficiaries to enjoy.

Are you still asking yourself, why have a will?

You can avoid greater legal challenges-Dying without an official document may mean that your estate will fall into hands you didn’t intend.

You can change your will as your life changes- As births, deaths and divorces happen, you can include or disinherit individuals as time goes on.

Because tomorrow is not promised-No one knows if they will be here tomorrow. This is why it is important to get this set up as soon as possible.  It is important to spare your children and other family members as much added emotional stress as possible.

As you can see, there are many reasons to have a will.  There are many ways to obtain a will, either through an attorney or online. The following resources will help in obtaining a will online.

*Legalzoom.com

*Zander Insurance

Why have and estate plan?  To give your family the gift of peace of mind after you pass away. Why have a legal document? To give you peace of mind today. Why have a will? Because no one is promised another day. Why have a codicil? So your loved ones will have peace on your dying day.

Photo courtesy of geralt via Pixabay.com

 

 

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Does Your Mindset About Money Need To Be Checked?

Does your mindset about money need to be checked? How do you really feel about your finances and your financial future? There are many mindsets people have when it comes to money that just are not true.  Sure you have to be focused and gazelle intense to work your way past such mindsets, but the general principles I hear are complete myths.

Money Mindset Check 1: I Will Never Get Out Of Debt.

This is a toxic mindset that can set people back for months if not years. I truly believe that anyone can get out of debt. It may take several years to do so, but it can be done.  You have to get to the point where you are sick and tired of your situation. The pain of where you are at has got to outweigh the pain of change. Once you change this money mindset and get a plan in place, you have won half the battle. The first step is always the hardest and the battle can be long, but the other side is wonderful. I encourage you to change your mindset and find the financial plan/advice that works for you. Next, take a minute to imagine your life without debt. What would you do, where would you go, what charities would you help? Write it all down, make a dream board, do whatever it takes to motivate you toward your goal and never give up.

Money Mindset Check 2: I Will Always Be Broke, Why Should I Even Try To Do Better?

I used to hear this from a single Mom I used to work with and it would break my heart. I don’t like to see people so down trodden that they absolutely have no reason to try to better themselves. If this is you, chin up. You will always be broke because you believe you will always be broke. If you try to do better, you won’t always be broke. Once again, it may take some time, but your situation won’t stay that way forever. It will change. So I encourage you, go back to school or take a class or look into starting a business. Whatever it takes for you  to do better. If money management is an issue, take some classes on that or read some books. Your current situation doesn’t define you, only the mindset you have about it does. Does your mindset about money need to be checked?

Does your mindset about money need to be rechecked?

Money Mindset Check 3: I Will Never Be Rich.

I think this one drives me the most crazy. I believe that anyone can be rich.  There is absolutely nothing that separates us from the  tech giants, authors, sports figures, and other well off people of the world. However, there are two differences. One, they work in their passion and two, they go after what they want. Those are the only two things that keep you from getting rich. Sure, luck can play into it too. But as far as what you can do to put yourself on that path, I think those two things are key. You have to have the drive and the motivation, but I think anyone can attain any kind of lifestyle they want.

Does your mindset about money need to be checked?

Does Your Mindset About Money Need To Be Checked?

Our mindsets define a lot of areas in our lives.  Does your mindset about money need to be checked? I encourage you to take a minute and reflect on where you are and where you want to be. I truly believe you can be in that place/situation you are envisioning. Go get some information, a good support group and change that money mindset myth into the truth of what you see in your future. Change your mindset about money and you will change your life. I have faith in you, you’ve got this.

Photo courtesy of Peggy Marco via Pixabay.com

Photo courtesy of Maklay62 via Pixabay.com

 

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Car Insurance: How Much Will Your Company Pay For?

Car insurance. Everyone needs it, it’s the law. A lot of us wonder, how much do I really need? What if I have a high risk driver in the household? What is the difference between liability, comprehensive, and collision coverage? It can get a little confusing, especially if you are a first time buyer. It’s very important to understand what coverage you have and how it works. Here are some explanations and guidelines to make things clearer.

As a young person starting out, you don’t really have much of anything. You probably have a ‘hoopty’ car with something missing or a bad paint job. My first car was a white Mazda 323 with no radio, air conditioning or electric windows. Talk about bare bones. When you are in this situation you are commonly known as “judgement-proof.” This means that you may lose your case if someone decides to take you to court over an accident. Why you ask? Being ‘judgement-proof” means you have no real assets to take. If you were older with some cash in the bank or an expensive piece of jewelry on your finger or around your neck, things would be different.

Should I Buy Minimum Levels Of Car Insurance?

In the insurance levels below, the first two numbers refer to bodily injury which is what pays the hospital bills. The first number is per person, the second number is per accident. The third number is the property damage limit, which repairs or replaces the car of anyone you hit.

*In most cases, minimum liability insurance is not enough to pay for major damages in accidents and to property. It is the absolute minimum you need to drive legally.

*50/100/50: As you get older, your net worth will rise. As it does, raise your coverage to match. What is your net worth? What you own minus your debts. Assets can include the current worth of your house, what is in your checking and savings accounts and if you have investments, the value of your stocks. Liabilities include all your debts like car payments and credit card bills.

*100/300/100: Financial experts say this is the level for the typical middle class family. These earners have a pretty adequate savings account. Moving to this level of insurance does not cost exponentially nor will it cost double what you were paying before. It may only raise your rates a few dollars a month.

*250/500/100: If you eventually own an expensive home or have saved diligently to the point of being in the millions, although you don’t think of yourself as rich, supplementing this with an umbrella policy is usually recommended. The policy should extend your protection by 1 million or more. This is relatively cheap.

How much car will your insurance pay for?

Do I Need UnInsured Motorist Car Insurance?

Every state is different. You may be required to buy uninsured motorist coverage which pays your medical bills if someone hits you who is un-insured. Under your state you may only be offered this coverage which you can turn down. However, if you decide to purchase this coverage it will be available in the same amounts as liability coverage.

You may even be required to have uninsured property damage. This covers some but not all of the damage done to your car. In most states, uninsured property damage does not cover hit and run accidents.

Check online about the required coverage in your state but sometimes if you have health insurance and collision coverage you possibly have to purchase these insurances. However, your insurance agent may advise you to keep them regardless. This is because both can minimize your financial losses due to deductibles and coverage caps.

 

What about comprehensive and collision?

If you are still paying on your car you are required by the bank lending you the money to have comprehensive and collision. These insure that your car will either be repaired or replaced. Remember, liability only fixes the cars of the other properties.

Like with other coverage, you need to pick a deductible for comprehensive and collision. Any damage below that amount is your responsibility. It is recommended that you keep deductibles low while still paying off a car. When you are done paying off the car, get an emergency fund built and raise your deductible to match that amount.

If you own your car outright, talk to your insurance agent about dropping these coverages. He or she can offer great advice to guide you.

What about medical payments and personal injury protection?

Check and see if you live in a no-fault state. If you do, you may be required to buy personal injury protection. This way your injuries in a collision are always covered up to your limits regardless of who’s at fault. This usually covers for lost wages also.

Medical payments are optional in most states, but check anyway. If you don’t have your own health insurance, your insurance agent will probably recommend keeping this coverage. If your health plan is high coverage however, medical payments may help pay the deductible.

As you can see, there are many aspects to car insurance. Asking the right questions and picking the right levels will have you driving worry free. There is no such thing as a dumb question regarding insurance. The last thing you want to find out after an accident is you made an accident picking your coverage.

Photo courtesy of stevepb via Pixabay.com

 

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Looking To Start A Freelance Writing Career?

Are you looking to start a freelance writing career? Jump online and you will find tons of information. There are tons of courses, books, pins on Pinterest, and ads on Facebook. It’s enough to make your head spin. Courses in freelance writing can be expensive and there are plenty of books on the subject. But what if you just want to dip your toes in? What if you just want to read up on how to start this career and not spend a lot of money? Then you need to check out the book Make Money As A Freelance Writer by Gina Horkey  & Sally Miller.

Looking To Start A Freelance Writing Career?

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How Do I Start Freelance Writing?

If you are curious about looking to start a freelance writing career, this book will take you through seven steps to build your freelance writing career. Many subjects are discussed such as:

*The thrill of starting a new business

*Overcoming Fear

* Finding your niche

*Creating a portfolio

*Sourcing jobs

A Career In Writing.

This book is short, concise and will give you all the information you need to make a decision weather freelance writing is a good fit for you. If you have already made a decision that this is what you want to do, it will be a good blueprint to get you started also. Gina and Sally are two ladies on top of their game, so you will be learning from the best. You have nothing to lose and everything to gain. As Gina says, “Why not you? Why not now?” Looking to start a freelance writing career? This is the book you need. Grab a copy and make the decision to start your freelance writing career today.

Photo courtesy of FirmBee via Pixabay.com

 

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Cash Is No Longer King And The Disappearing ATM’s.

Our society has come to the point that cash is no longer king and there are disappearing ATM’s. We live in a fast paced world. Everyone wants everything now and things can be paid for in an instant. Many of us probably can’t remember the last time we actually held cash in our hands. However, having cash on hand can sometimes be very convenient. Like when you don’t want to use your debit card for a single soda or coffee or when the kids need cash for the field trip they are going on tomorrow. No need to worry, just swing by the ATM and withdraw some money. But what if the ATM you are so used to going to didn’t work anymore? This may be becoming more of a reality than we think. Why, you ask?

Disappearing ATM’s.

Cash is no longer king and the disappering ATMS

As we all know, cash is no longer king in our society as it once was. Paying with plastic or with an electronic device such as an iphone is the new normal. This could become a huge problem. With the release of the new chipped debit and credit cards, the everyday ATM in the grocery parking lot may not have the updated technology to process your transaction. You may have to go directly to your bank in order to get your cash. Because there are disappearing ATM’s across the country, this may be your next best option.

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By October, ATM owners must upgrade their machines to take chipped cards or face liability for certain types of fraud. The biggest issue is that the upgrade and ongoing maintenance to these machines is so expensive, it will cause some owners to shut some of them down.

There is a chance up to 10% of retail ATM’s (those not owned by a bank) being thrown out while others simply cannot be upgraded, causing yet another abundance of waste in our land fills. This can have a huge impact for the population that lives in more rural areas and only has access to one or two machines in their area. This is a very eye opening example of how disappearing ATM’s will be a reality. Cash is no longer king.

Vanishing Out Of Sight.

If ATM owners do not have their machines upgraded by October 1st they will be liable for any counterfeit fraud that is conducted on the machines. So far, only 20% of ATM’s have been replaced/upgraded to accept the chip cards.

Thieves have already figured out how to steal from ATM’s despite the new technology. Some owners are having trouble acquiring the hardware to upgrade in time.

It’s becoming more and more clear that cash is no longer king and ATM’s are disappearing in our plastic driven society.

Despite the convenience of the ATM, debit and credit cards, it may be time to return to the ways of our grandparents. Cash was king. This way, we may get a few dollars stolen but not the rest of our lives. In the meantime, it is disturbing to think that there are disappearing ATM’s across this country. Cash is no longer king and ATM’s are disappearing.

What are your thoughts on vanishing ATM’s?

Photo courtesy of peltierclem via Pixabay.com

Photo courtesy of geralt via Pixabay.com

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