Monday, July 8, 2013

How to Keep Your Traditional Wedding Vows While Being Prepared for Potential Legal Issues in the Future

Taking the Vows
Traditional wedding vows are declarations of wives and husbands to each other to have and to hold from this day forward, for better or for worse, for richer, for poorer, in sickness and in health, to love and to cherish; from this day forward until death do us part.  It is the “until death do us part” that holds the potential to legal challenge. 

What happens during the passing decades when one or the other experiences diminished capacity from injury or medical condition?  Some couples discover much too late after one or the other has become incapacitated, decisions requiring joint legal action cannot take place.

A couple owns property they have shared more than 20 - 30 years.  One develops Alzheimer Disease and can no longer legally act in their best interests because of diminished capacity.

Dependent on the State of Residence, this can become complicated at a time when access to resources and proceeds from disposition of holdings is important.  This can generate burden at a time already challenging enough.

David Weed in his column, Your Home and the Law directs couples to have in place, “durable financial powers of attorney”.  This will allow the well spouse to act in the interests of the family by signing important documents.

For more information, consult David by email or send Questions by email  or visit blogs

Saturday, July 6, 2013

When on a Budget Here is How to Negotiate Reduced Prices for Food

Grocery shopping on a budget encourages families to negotiate for reduced food prices.  Food prices like gas prices go up and seldom come down.  Shopping for discounts before shopping makes sense and saves dollars and cents.

Contemporary Cost and Savings Opportunity

USA Today reported May 1, 2013, “The latest numbers for a four-member family: a thrifty food plan, $146 a week; a low-cost food plan, $191 a week; a moderate-cost plan, $239; a liberal plan, $289 a week.” 

20 families spending $146 per week for food cost total $2,920 a week.  20 families spending $289 per week for food cost total $5,780 a week. 

Families negotiating for a 10% reduced cost on $2,920 would be $292.  Each of 20 families equal savings share is $14.50. 

Families negotiating for a 10% reduced cost on $5,780 would be $578.  Each of 20 families equal savings share is $28.90.

Information is Your Bargaining Chip

1.       Identify friends and friends of friends who grocery shops on a budget.
2.       Ask who wants to save money on the food purchases for their families.
3.       Make a list of all who express interest.
4.       Meet them, one on one or in groups of threes.
5.       Gather and organize information.  Detail verifiable dollars spent for food over 90 days.
6.       Gather information from a minimum of 25 family shoppers.
7.       Establish total dollars spent on food and divide by 25.  This information is your bargaining chip.  For this model, the total represents $146 spent per week for 25 families over three months or $43,800.  10% savings is $4,380 over 90 days.
8.       This is business.  Formalize your agreement with each other to pursue reduced food prices.
9.       Establish negotiation teams of 2 – 3 shoppers to engage independent or chain groceries.

Negotiate a Deal and Provide Call to Action

Shoppers with information have power.  When you make contact with chain store or regional managers, make clear you represent the interest of more than $40,000 quarterly food dollars. 

1.       Express clearly you are negotiating a deal for highest discount pricing among area groceries and food sellers.  Does $40,000 quarterly business interest?
2.       Be ready with a list of favorable things you appreciate about the grocery.  Your list might include existing reduced costs, special sales events, or special day discounts.
3.       Indicate the concessions you are willing to make for 10% additional cost reduction.  Your list might include shopping during off peak traffic hours, after midnight, beginning weekdays, or particular days.
4.       Identify additional benefits to the grocer. You will provide your list of shoppers for their activity tracking.  You might include you will word of mouth market or grow your group to increase business in following quarters.  You might indicate you are willing to receive your discount when purchases made or at the end of the quarter by cash rebate.  Goal is to provide attractive options.
5.       Your call to action makes clear you want a response to your proposal in 7 – 10 business days or less.  You will be taking the first satisfactory deal in the best interest of your group as soon as possible.


Economic power develops when grocery shopping on a budget encourages families to negotiate for reduced food prices.  This strategy is not limited to grocery shopping.

Read More on the Yahoo Contributor NetworkWikinut, and AllVoices

Friday, July 5, 2013

July 4th - America and Americans Clyde and Betty Crawford Celebrate Independence Day

Clyde and Betty Crawford Cut the Cake
America declared independence as a free and self – determining republic from Great Brain on July 4, 1776. America celebrates Independence Day for 237 years this July 4, 2013.
Clyde Harrison Crawford, Jr. of Fountain Run, Kentucky and Betty Jane Underwood from Scottsville declared independence as a free and self – determining family from the families of their birth on July 4, 1951. Clyde and Betty Crawford of Gamaliel, Kentucky celebrate 62 years of their own Independence Day this July 4, 2013.
Clyde and Betty Crawford are my parents. I am their first-born 61-year-old son. My parents live. We live from Kentucky to Arizona from each other. This is a glimpse.
Betty Jane Underwood
My mother was born bi-racial when the condition had other than politically correct notion. She was born to a single mom, Gwynola Underwood, who lived with her parents, Hubert and Hallie Underwood also known as Papa Hubert and Mama Hallie.
My mother’s father was not talked about when I was a child but I always wanted to know who the white man was who came to Granny Gwen’s house every Saturday when we would visit. He knocked. My grandmother would open the door to him. He would always hand to her a brown paper sack and be on his way.
I would not know who he was until one day mom was reading the paper when she just began to weep. Dad consoled her and we went to the farm to work. On the way, Dad told my brother and I that mom had read that her father had just died.
Her father had not been a father to her. He had been the white man who owned the farm my mother’s family sharecropped. He was the same man at the door every Saturday of my grandmother’s house who never spoke to my mother, only to my grandmother. Mom grieved this loss and I felt only anger.
Clyde Harrison Crawford, Jr.
My father was born to schoolteachers, Clyde Harrison Crawford, Sr. and Maude Estil Crawford. Both had been teacher educated at Kentucky State College in the 1930’s and 1940’s.
My grandmother has been born a Lee of Northern Kentucky in the hamlet of Bethel. My grandfather’s origin was the same as my mother. Nobody really knew he was a colored man until he showed up with my brown grandmother and their children.
My grandmother taught grades 1 – 4 in the two-room colored school of Tompkinsville, Kentucky. My grandfather taught grades 5 – 8 in the two-room colored school of Scottsville, Kentucky. My mother was his student.
My father was born with cataracts. An experimenting doctor destroyed one of his eyes. He told my grandparents he believed he would get it right on the second. They thanked and told him no. My father has been legally blind all of his life.
My father would be the Valedictorian of his class at the Lincoln Institute in 1948. He would return home to work the family farm. My grandfather owned hundreds of acres of his own land and houses.

Clyde and Betty Crawford
My parents have always been hard working. They raised my brother and sisters in paradise. On the land we lived, we grew everything we ate. It was there in the forest trees, the waters of the, or on the hoof.
We worked hard growing tobacco, corn, and cane. We grew enough garden to feed many families.
My mother worked the fields as hard as any man. When the agricultural life was not enough by itself, my parents both got jobs beyond the farm. My father was also a pastor like my grandfather.
My parents have produced 5 children (2 sons 3 daughters) with four undergraduate degrees, four graduate degrees, a pastor, three teachers, and a nurse. Their down line includes 12 grandchildren and 11 great grandchildren.
July 4th, 1776 and 1951
When Independence Day is celebrated July 4th across America, our family celebrates independence twice. We celebrate and honor the red, white, and blue. Yes, we do.
We also celebrate the day two became one. We celebrate and honor our patriarch and matriarch, Clyde and Betty Crawford. This is their 62 Anniversary. God Bless America and this day of Crawford Celebration.

Monday, July 1, 2013

3 Simple Steps How to Meet Other Couples Over 50 Married More than 20 Years

Easter at the Phoenician
Making new friends and building new relationships with couples over 50 married more than 20 years requires three simple steps.  Those of us who are over 50 and married more than 20 years are social creatures.  We want to meet new people, learn new things, and go places we have never been before.

Meeting New People Over 50 Married More than 20 Years

Libraries, bookstores, coffee shops, theaters and university lectures are among the many places our contemporaries go to hang out and socialize.  Our peers love Starbucks and other new wave coffee gathering places because all age groups are there talking and sharing ideas.

Libraries with cafes are places we go to read newspapers and magazines.  We are there to be around people.  We love people.  We need people.  We go to sporting events, university lectures and bookstores for the opportunity to be around people we have never met before.  We have been around a bit and have the same to share with sharing others.

Learning New Things

We are excited to learn new things if it excites us.  We learn to speak new languages.  We learn how to pan for gold, make movies, write books, and cook.  We enjoy being creative with painting sculpture and music.  All this works for us because we have the time and the discipline necessary for effective learning.

Bonnie and I have friends over 50 and married more than 20 Years that go skydiving, learn ballroom dancing and start new businesses.  Many of us get together to share with each other the new things we are doing.  We are also excited to explore spiritual boundaries fixed most of our lives.  We appreciate freedom.

Going Places We Have Never Been Before

Contemporaries over 50 married more than 20 Years enjoy the idea of traveling even if it is just across town and to each other’s homes on a regular basis.  Going to spend a night or a weekend in a bed and breakfast is a first for some.  Going to a professional sporting event is a first for some.  Going to a class after years away from school can be a first for some.

Whether the place you want to go is some place in your neighborhood, across the country or across the world; others want to share these experiences too.  Cruises are popular.  Taking the train across the U.S., Canada and Europe are exciting ventures.

Being over 50 and married more than 20 Years is not a sentence of social restraint.  It is a new venture in freedom to be and do whatever you want to be and do. 


Get out of your comfort zone.  Meet some new people.  Make some new friends.  Build some new relationships.  Learn something new.  Go somewhere you never been to do something you have never done.  

You have one life.  Make it meaningful.  Our time is now.