Month: September 2016

Thinking of Co-Signing a Loan?

Think about this: three out of four co-signers end up paying the debt themselves.

Co-signing isn’t just a recommendation or a personal reference. It’s a financial obligation.

Even the most conscientious person can lose their job or get sick, and then you’re stuck with either paying their debt or taking the hit on your own credit report.


Uh-Oh, Check Your Credit Report Real Soon

You may have heard the latest Big Bank scandal. Under pressure to get customers to open all kinds of accounts, Wells-Fargo employees have been opening accounts that people don’t know about. Some of the victims had only the briefest interaction with the bank, and ended up with credit cards and other accounts they didn’t know about. Some of those accounts incurred fees, and others will have damaged a person’s credit score.

It might be a good idea to go down to your nearest branch and ask one of the desk people to search their records for any accounts in your name.

If you haven’t done it lately, a free check on your credit report could show you any nefarious activity:

Another free source is

Don’t fall for the name in, it’s only free with a paid membership.


You CAN Get Latex Paint Out of Clothes!

I “knew” that once paint got on clothes, the clothes were doomed. Not so:

Hand sanitizer, an old toothbrush, effort and patience.

Speak English? Earn!

Cambly pays native English speakers to chat online with folks who are learning English as a second language.

You’ll need at least 1.0 mbps upload and download speed. My very inexpensive, very low speed internet has enough download speed but not enough upload speed.Therefore I can’t tell you my experience with this site, but there is it if you want to check it out.

Drink Up, Old People

I had not realized before that the human urinary system qualifies as “old” as early as age 50. As the bladder muscle becomes less efficient and the immune system less responsive, it’s possible for people like me to have a dreadful urinary tract infection with no fever and sometimes no urinary symptoms! Sometimes the only symptoms are confusion and forgetfulness.

Dehydration is the most likely trigger for a deadly cascade that leads to kidney failure and sometimes death. In my youth, I gave no thought to dehydration. I knew young people who had UTIs and it was no big deal. Over 50, it is a big deal. Two years ago, A friend of mine, age 78, felt puny, didn’t bother to drink much, got a UTI, then kidney failure, and died, all within a week. Another friend, my age, was traveling, didn’t have as much opportunity to drink water, got a UTI, kidney failure, collapse, and luckily has survived. The recovery will take months.

So drink up, old people, water is less expensive than intensive care.

And dehydration doesn’t mean it’s been days since you drank anything. It’s possible to drink a little bit all day and still not be fully hydrated. Naturally, sweating, vomiting, and diarrhea will increase dehydration risk.

Watch out for:

  • dizziness and confusion
  • Urine that appears cloudy
  • Bloody urine
  • Strong or foul-smelling urine odor
  • Frequent or urgent need to urinate
  • Pain or burning with urination
  • Pressure in the lower pelvis
  • Low-grade fever
  • Night sweats, shaking, or chills

In older people, watch for:

  • Confusion, or delirium-like state
  • Agitation
  • Hallucinations
  • Other behavioral changes
  • Poor motor skills or dizziness
  • Falling