Aunty in the market

Aunty will be sitting her booth at the Hawaii All Collectors Show this Friday and Saturday.  Show hours are Friday 3:00 pm – 9:00 pm and Saturday 10:00 am – 6 pm at the Blaisdell Exhibition Hall.  This is one of Aunty’s favorite places to attend.  Every booth has treasures or memories from one’s past.  Bargains on treasures that will make your kids’ eyes roll.

If you do attend, please visit Aunty in booth #232 on Kahala Avenue with signage:  Honolulu Aunty.

Hawaii All Collectors Show, Hawaii’s Oldest Antique Show!

Ask for “Aunty’s discount” and whatever is Aunty’s stuff, you get 20% off!  On Saturday after 3:00 pm, you can get 50% off!  You will be helping Aunty to de-access and Uncle will be very happy to have less “treasures” in the house.

[Update after the show:  Aunty had very aggressive pricing on Saturday because it was the last day of the show, and the more that got sold meant less to pack up or see next year.  The best part about giving away great stuff at bargain prices was the bragging rights that could follow at home for the savvy shoppers as they open up their packages and show what they bought for such a deal!

Mahalo to my customers and to ilene and Wayne of ukulele.com for putting on this awesome annual collectors show!!]

Hanapa’a! and Crushing it!

Well, yesterday was Friday, and pal Fay texted me, “It’s Friday, Candy Crush day!!!” and indeed it was!  I dropped off Uncle at his secret fishing spot and then started playing Candy Crush Saga with my 5 lives, alternating it with my iPad Candy Crush app that also had 5 lives.  Cleared through 2 levels, which is a very good evening because sometimes one can get stuck for days – and in Aunty’s case because of only playing on Fridays, it will be weeks.  Aunty was very happy, crushing those candies!

Then I get the call from Uncle to pick him up, and he caught 3 oio (3, 4, and 8 pounders!) for fish cake or poke and one toau ~1.5 pounds for steaming.  He was a happy man.

Now the big question, who’s going to clean the fish?  My vote is for the fisherman who caught them.

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Crushing Candy Crush Saga

2013-06-16_14-03-10Aunty has a confession to make.  About a month ago, under a fake name (Honolulu Sally), Aunty began to play a very fun game on Facebook (is also a free app) called Candy Crush Saga.  It is something like Bejeweled Blitz, clearing rows or columns with matching jewels or candies, although Bejeweled Blitz was actually more fun because each week you were privy to a scoreboard against your friends, each game only lasted a minute, and you could play until the rooster crowed or the cows came home (unlimited).

These games are addicting, and Aunty was an easy target.

Aunty is a compulsively addictive challenged individual who thrives and loves competition, so online games and Aunty are a bad combination.

Over 3 years ago, Aunty made a pact with God and totally gave up playing Bejeweled Blitz (it was for a very very important prayer and person), and over the past couple of years, Aunty has made other pacts with God to give up a couple of other online games that consumed Aunty’s time and focus.  Each time a pact was made, Aunty totally abandoned the specific game, because when you make a pact, you must honor it, and a pact with God is one that is of the highest priority and responsibility.

So, when Aunty “discovered” Candy Crush Saga 4 weeks ago, it was on a part time basis, playing it sometimes, and stopping after the 5 lives are used up (it gets fully reloaded after a few hours).  At first it seemed too easy and simple, and then clearing coconuts and cherries with jelly got harder and Aunty went to a support group site to find friends that would give lives and tickets in order to proceed to the next level.

That was when Aunty got hooked, and began playing it, giving lives, receiving lives, night and day.  Paperwork and messes began piling up, laundry wasn’t done, dinner was often forgotten until later in the evening, and bedtime was pushed back past midnight, resulting in a bigger mess and less sleep.

Usually around this point in the game(s), is when a crisis occurs and Aunty makes a pact with God, to give up the game as penance or payment if God would please please please help in a situation.

However, just yesterday, after an especially busy week of friends visiting, an awesome 2 day workshop, company bills, invoices, and payments almost due, preparing a house for tenants and an especially fun evening of trading off extra moves and lives with a complete stranger on Candy Crush Saga, Aunty knew something HAD to give, and a brilliant solution came in.

It was almost as if Aunty could hear the one note chorus of angels and the strum of harp strings.

The solution was to give up Candy Crush Saga on all days and nights, except for Friday!!  Okay, you might think that was nothing to write home about, but for Aunty, it is a beautiful wonderful way to deal with her addiction – by putting a workable control on it and going about doing what needs to be done without total withdrawal.

Aunty is so happy now!  No need to feel guilty or bad about wasting time all week long anymore, or having to make a pact with God.  Uncle usually goes fishing on Friday nights, and Aunty will be crushing candies!  The rest of the week, Aunty will get back in the groove.  More posts and updates – such as a review of last weekend’s Genius Tour workshop by the fantastic Meir Ezra.

If you see Uncle and I together, ask him how fishing is, but please be mum about Candy Crush – since Uncle thinks that I am always hard at work in the office, and it is a good way for him to think.

[Update:  Aunty has changed the day of Candy Crush to Thursdays because of Aunty’s neck.  I go to see Doc Breuwet on Fridays for my upper cervical adjustment, and then go home and play Candy Crush Saga until the stroke of midnight.  My neck and shoulders feel awful with throbbing pain for a couple of days and I know it is because of the poor posture stuck in suspense as I play for hours.  So now, if I play on Thursdays and get adjusted on Fridays, the whole week will be pain free and the adjustment will “take”.  Well, that’s the theory I am sticking with for now….]

 

Hey Joe and Aunty!

2013-05-29_20-29-04Aunty first met Joe Taxpayer years ago while google searching about United First Financial’s Money Merge Program.  Aunty had plopped down $3,500 for this fantastic sounding program that calculated that it would take 8 years 11 months to pay down our mortgage debts using sophisticated algorithms, money back guaranteed!  (PS don’t tell Uncle that I bought this.)

After about 3 months of struggling with their system and juggling several accounts with the increased number of transactions required giving me a headache as well as dangerously affecting my credit because of a few near missed credit payments, Aunty wanted out.  Screamingly out.  After all, I gave it my 100% attention but it was taking much too much time, and the program was not capable of accommodating more than one mortgage – and we had 3 at the time.  I kept getting told that they were working on a beta program that would be able to, and it would be available soon.

Well, they lied.  They lied about what the program could do for me, they lied about the beta program, and they lied about the money back guarantee.  The guarantee, in very fine print, was IF after the entire program was followed to a T, and the sophisticated algorithms didn’t work, THEN they would refund my $3500.  So, in other words, 8 years and 11 months from that point in time, if I could show that it didn’t work, then they would refund me.  Hmmm.  Aunty smelled a rat, and went searching to see if others smelled a rat.

One of the best rat smellers I found was at JoeTaxpayer.com.  Aunty posted as “SallieMae” and had a grand time putting the squeal on this unethical company.  Long story short, Aunty did get refunded after contacting the Utah Better Business Bureau (yep, it was a MLM of the worse kind), and Aunty became a loyal reader of Joe’s excellent info site.  Aunty did an updated rewrite of the program, which has changed its name to Worth Unlimited.  It should be named Unlimited Worthless, and Joe can prove it with the excellent payoff spreadsheet that he provides free on his website: http://www.joetaxpayer.com/money-merge-account-links/  Click on “my MMA worksheet” for the tool.

And now, short story long, Aunty would like to announce……… A guest post by Aunty on Joe Taxpayer’s site!!!  It is called “Aunty’s Perspective on Real Estate in Hawaii” – okay not the most exciting title, but, being on Joe’s website is SUPER exciting!  And he calls me a “gal”, isn’t that pretty wonderful?

Please check it out, and feel free to leave a comment here or there, or everywhere!

5 Star Rating and good Karma (credit)

Aunty was in a major pickle.  Major.  I didn’t even want to tell Uncle about it because he might get mad and make me cut up all my credit cards.

2013-05-10_20-56-48See, pal Cookie called to let me know about Wells Fargo’s stream line loans that refinance at today’s lower interest rates with zero points and $650 closing costs (that’s a great deal).  Aunty was in the beginning phase of talking to Kim, one of their loan officers, when “SMASH! ouch, OUCH!” – I get an email update from Credit Karma (great free service if you don’t select extra offers) that my credit score went crashing from 740 to 660, “WHAM!” because I was over 2 months late on paying on my Nordstrom card.

Having a delinquency on your credit report is like dragging around a leg chain with a big black ugly ball for 7 long years.  There are ways to increase credit scores (maybe another post in the future) but that delinquency will pop up in the negative column and NOT go away for 7 long years – and in Aunty’s case, that means until Aunty is 67 years old!

Normally, we pay off all our credit card balances every month.  For some odd reason, that Nordstrom card was noted as paid by me and put away for 2 billing cycles.  A letter in the mail from a Nordstrom Vice President apologized for any oversight and informed me that my Nordstrom account was way past due.  Oh oh.  Not good.  Aunty got on the phone with a Nordstrom representative and cleared the balance online immediately.

However, too much (I had late fees to pay), too late.  The damage was done because it was over 2 billing cycles late.  A couple of calls to their toll free number resulted in, “Sorry, we are not able to remove the damage.”

Never give up.  That’s kinda what I believe, so Aunty called the phone number on the Vice President’s “currently past due” letter and asked to speak to him.  The customer service rep who answered the phone was Garth – like in Garth Brooks.

Aunty explained the situation (okay, maybe I begged) and Garth said some magic words, “Let me see what can be done”  and put me on hold.

Be still my heart.  Wish, wish, hope, hope.  Wish, wish, hope, hope.

When Garth came back on the line he said, “Okay, just for this one time, we have removed the delinquency….” and a bunch of other great words, and “SHAZAAAM!” the leg chain with all of its weight came off, replaced with Hallelujah and mahalo, mahalo, mahalo.

How wonderful was that!  After the call ended, Aunty immediately sent of a letter of commendation thanking Nordstrom for having such a great employee and being such a great company.  [note from Aunty – please DO send off letters of commendation for people who make your day.  In return, you make their day in a really nice way.]

2013-05-10_20-50-485 Stars to Nordstrom!  They have lived up to their reputation and high standards of delivering excellent customer service.  They have given Aunty 7 years of cleared credit.  7 years of being able to get investment real estate loans at the lowest rates because of good credit.  This will save us thousands of dollars of interest qualifying us for lower loan interest rates.

Aunty is so happy, Aunty is going to go out and buy a celebratory something from Nordstrom, put it on the Nordstrom card, and pay it off right away.  Maybe something for Uncle, and then I’ll let him know about the credit disaster that got cleared.

 

 

 

Update:  Aunty’s credit score has bounced back!  It is funny how it took 1 day for it to take a dive when the delinquency was reported, and 4 weeks before the score was revised higher after the problem was fixed.  Lesson learned – pay everything on time, every time!

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Aunty and Mr. Price

IMG_0484Aunty was in Las Vegas, the ninth Hawaiian island, and very happy to be in a picture with KSSK radio celebrity Larry Price at the McCarran Airport.  Uncle took the picture.

We were there for a Nerium Bash – what a company!  New and improved tools, great training and an awesome new program for non-profits to earn commissions without any start up costs!  Please let Aunty know if you are interested.

Aunty put $6 in a slot machine that took the money and didn’t give back anything, so it was break even on the gambling front.

We are now at home, and it feels so good to sleep on our own bed and be surrounded with our own things.  Going on trips every once in a while gives me a new prospective – also makes me realize what a mess our house is in, yikes!

Aunty is getting back into the swing of building into our retirement goals so will be posting more in the future about cash flow, financial lessons, reviews, etc.   Hope y’all (met a lot of people with that accent at the Bash) are having a great day!!

 

RR Accounts in jeopardy

2013-04-14_16-08-36Aunty signed up for Oceanic’s Business Class internet service and planned to terminate the residential Oceanic internet service.  However, those plans were put to a screeching halt (have picture of road runner) by the inability to transfer over my hawaii.rr.com email addresses because our Hawaii Time Warner Cable does not own or have anything to do with the rrs.

Yikes.  Really yike, yike.  All 9(!) of Aunty’s schizoid email addresses are hawaii.rr.coms, and for this multiple-hat-wearing-blog-happy-aunty, switching over and finding another good email hoster that has a good and easy suffix is a chore.

So, Aunty is now using aunty@honoluluaunty.com as her primary “aunty” address.  The rr.com accounts will be replaced with gmail accounts, or possibly another email hoster.  The problem with gmail accounts is that most of the names that I want are taken, and they must be at least 6 letters or numbers long, so aunty@gmail.com does not work.  However, Google’s email accounts seem to be the best for now, and the slow conversion from rr.com accounts for Aunty is taking place, resulting in juggling double the number of email accounts for now.

If anyone knows of a good email hosting, please let me know in the comments section below.  Mahalo in advance!

HiWire – no boys allowed!

2013-04-15_14-07-49Hawaii Women Real Estate Investors is the brainchild of Gail Slawson and Chelli Eich of Ocean Head Investment Group.  This is for HiRei members, and just for the girls (no boys allowed!)

We used to meet on the 3rd Wednesday of every month in the Nextage office from 6:00 pm to 8:30 pm at 98-029 Hekaha Street, #44 in Aiea/Pearl City.  Currently HiWire is looking for a new home and I will update when that is found.

I thoroughly enjoy this group of women and look forward to each meeting.  It is more informal, and we get to interact with each other and meet new friends as well as see old friends.  Sharing is the common element here.  Bringing some food to share is not required, but greatly appreciated and consumed.  A guest speaker takes the stage around 7:00 and most of the time it generates interesting and lively discussion, giving us much to ponder.

I’d like to thank Gail and Chelli for arranging these meetings that nurture and grow us into successful investors/entrepreneurs.  It’s my favorite meeting every month.  To join, pay the HiRei membership dues (tell them Aunty sent you), and get the details on the website or attend a monthly HiRei meeting on the 1st Thursday of every month at JCCH (Japanese Chamber of Commerce) on Beretania Street.  Hope to see you there!

Master Sha in Honolulu this week!

2013-04-01_12-17-00About 3 years ago, Aunty saw Master Sha at the McKinley High School Auditorium, and was almost electrified. He taught us a funny song – Lu La Lu La Li, and about how he came to be a servant of the Divine/God/Allah/etc. He was a cute man, not what I imagined a powerhouse to be.

It was an evening of really weird weather – lightning without thunder. Uncle, being of very strict Christian belief, did not want to hear about it.

Sometimes, Aunty really feels that my purpose in life is to help, heal, and give. When I heard Master Sha speak and saw his healing happen for others, something clicked.

Anywho, he’s back for lessons, blessings, and demos at the LPH Center at 885 Queen Street. Aunty signed up for the Soul Healing Days, Blessings, and Evening. If I get a chance to have something fixed, I’ll ask about the tinnitis ringing that I have had for about 5 years in my left ear.

Here’s the link to the flyer and/or registration:

http://www.icontact-archive.com/E-_x_fSJ433pL9sn5HZ9jvfv23a_tgyr?w=2

Minesh and the Mind for Gold

Aunty met Minesh Bhindi, a young mature wealth builder from England at the recent Wealth Summit here in Honolulu.

On the first day, he explained how the billionaires keep getting wealthier with the concept of the wealth triangle.  In short, they buy assets below market value, they cash flow those assets, and then they rinse and repeat (compound) with the cash flow without blowing the profits/cashflow/income.  Aunty will soon be posting notes under Reviews later.

Here is a link to Minesh’s Gold For Life site.  Much of the subject matter that he covered at the Wealth Summit is found on his site, as well as a promo video he made from his Kahala Hotel balcony overlooking the Waialae Golf Course:

Aunty joined his program.  I’ll review it once it gets going.