Donna Freedman

Some like it hot. Really hot.

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thWe get it: The weather has been very cold lately in the Lower 48, including places that normally don’t see single-digit temps. But is setting your thermostat to 70 degrees or higher the right way to go?

Some 28 percent of the 2,035 people interviewed by HomeServe aim for more than 70 degrees. Of those warm-blooded creatures, 34 percent are elderly and 32 percent are millennials (18 to 34).

Weenies.

I can understand the elderly having trouble regulating their body temperatures. But what’s with all these young pups who just can’t stay warm? Do they own no sweaters?

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Gardening on a small scale.

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thIt’ll be several months more before DF and I can put any plants in the ground, but we’re definitely looking forward to seeing green rather than white outside. My desire to play in the dirt was exacerbated by the arrival of a media kit from Renee’s Garden, purveyor of more delicious-looking seeds than you ever imagined.

Or maybe you can imagine quite a lot – especially in light of the particularly ugly winter weather in much of the Lower 48. Maybe you’re dreaming of things like Peppermint Stick Chard, Lace Perfume Dianthus, Black Cherry Tomatoes, Baby Snack Peppers and Heirloom Chocolate Daisies.

If so, now’s the time to plan those dreams into vases and onto your dinner plates. Not everyone is able (or willing) to care for a giant backyard spread, but why not consider container gardening and/or edible landscaping? Even condo dwellers can harvest small versions of greens, vegetables and herbs, and food crops can do double duty in terms of visual interest and palate pleasing.

Put another way: You can even grow zucchini in containers. Honest.

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Giveaway: Goat-milk soap from Talkeetna.

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thWhile at the Talkeetna Bachelors Auction and Wilderness Woman Competition each December we always visit the annual bazaar at the Talkeetna Elementary School. Although we frame this as “supporting the local economy,” it’s really just an excuse to sample local crafts and, yeah, the local baked goods.

Also the goat-milk soap table, run by a pleasant woman named Brenda Hogan. I bought a few odd-sized scraps from her last year and the soap was luxurious stuff.

This year I decided to share the wealth by giving away some of her artisanal soap. Not scraps, either: two full-sized bars.

The fragrance: violet-rosemary.

The effect? Delicious.

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Get free retirement advice from the pros.

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thHave you thought about how you’ll manage after you stop working? Get some free advice at “Jump-Start Your Retirement Plan,” a day-long online chat on Feb. 20.

Sponsored by Kiplinger’s Personal Finance and the National Association of Personal Finance Advisors, the event is designed to help consumers make the smartest possible money moves.

Given some of the comments from my recent Mary Hunt book giveaway, I’m hoping that readers will make time to attend. You can submit specific questions, such as “I’m in my 40s – how do I get started?” or “We’re on a really tight budget – what are your suggestions?”

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Blowback from Mary Hunt’s book giveaway.

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thPlenty of food for thought in the comments on last week’s prize, Mary Hunt’s “The Smart Woman’s Guide to Planning Retirement.” National pundits and rich politicians who think that the economy is going just fine, thanks, should get an eyeful of stories like:

“I am 44. I have no money. No savings. No job.”

“Like others, I have student loans and – in this economy – am earning very little, and struggling to do that.”

“As a 48-year-old whose financial situation has deteriorated drastically due to some serious life changes, I could really use the help.”

I’m 52 and recently lost my job. I have no savings, my husband has been on disability for 20 years and we rely on every penny that I make. … I don’t want to have to work until I die.”

“I have spent more than one sleepless night fretting about this very subject. Divorced, mid-forties, paycheck to paycheck, less than stellar salary, adult kids sometimes need my help, prices up, taxes up…”

Understand: Such comments don’t surprise me, because I’m playing catch-up with my own retirement and also because more than a few people in my life are living fairly close to the bone. Not every pundit and politician has that daily reality check.

 

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What’s the weirdest thing you ever charged?

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th-1The folks at CardRatings.com recently commissioned a survey about offbeat credit card purchases. Some 57 percent of those surveyed copped to a bit of buyer’s remorse, i.e., “What was I thinking?”

“Adult entertainment” was the top culprit, with 6.7 percent admitting to have purchased temporary jollies. Men are “about four times more likely than women to use a credit card for this purpose,” according to the CardRatings blog post.  

You don’t say.

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A book that could change your life.

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guidetoretirementLadies: How’s your retirement planning going? Have you even started? Do you fear you’ll never be able to stop working?

Have I got a book for you.

Mary Hunt’s “The Smart Woman’s Guide to Planning For Retirement” is designed for women of all ages. Yes, I’m looking at the 40- and 50-somethings who don’t really have a clear plan except, “I hope Social Security isn’t gutted by the time I retire.”

According to the U.S. Department of Labor, 55 percent of women have no savings at all and thus depend entirely on Social Security. Since the average monthly check is $1,130, that would be like working for $6.40 an hour, the author notes: “Could you live on that?”

Those who retire with some savings don’t fare much better. The average account has less than $30,000 in it; assuming you live to 85, it works out to just an additional $125 a month.

Want to take charge of your own finances? Enter for a chance to win a copy of this book.

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This just in: Men prefer sex to a Valentine gift.

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thStop the presses, right? It certainly doesn’t surprise me that 66% of the men polled by Retail Me Not would choose the pleasures of the flesh over, say, a teddy bear holding a red sateen heart embossed with “I Wuv You.”

They’re likely to be disappointed. In the same survey, 70% of the women said they’d much rather have a present than an extremely personal moment.

Selfish? Maybe. But let’s face it: Most women in relationships can get all the sex they want. Gifts, on the other hand, are a surprise.

Well, sort of: Apparently it’s expected that we’ll be getting gifts on Valentine’s Day. Just flip through any store circular, turn on the TV or surf the Internet to be bombarded by ads that shriek some version of, “Feb. 14 is at hand! Buy the right gift or you won’t get laid for the rest of the year!”

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Will I go round in circles?

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thRecent sustained pain in my right shoulder has made it hard to work, and also to do some of my exercises. Walking’s been tough, too: The freeze-thaw cycle glaciated our side street, and the footpath is as polished as a politician’s promise. Even with ice-grippers on my feet I’m unsteady and fearful of falling.

Between my frozen shoulder and the frozen ground I’ve been frustrated and sluggish. Last week I decided that if I couldn’t walk outdoors, I’d walk inside.

That’s when I started doing laps around the living area.

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