If you’re Grocery Shopping Online - Say No to Automatic Substitutions

Quick tips to help you save money.

Many of us have become accustomed to shopping online and either picking up the groceries at curbside or having them delivered.  Make sure in your online app that you turn off “Automatic Substitutions”.  Often times if your preferred item is not available, the store shopper will substitute a more expensive product.  At a minimum you should have them call you before selecting a substitute.


Reference: 20220720G

Save on Grocery Delivery - Here are three options!

Quick tips to help you save money

If you are paying more then you should for online grocery purchase and delivery.  You may want to consider one of these options to see if they can replace your current delivery costs and save you money:


  • Walmart offers same day delivery for $100 per year
  • Amazon Prime includes shipping on just about everything for $140 per year.  Check out their Amazon Fresh for same day grocery delivery.
  • Pick-up your groceries at the store curbside.  This will save on any delivery charges.


Either way double check stores to make sure their online costs for products is the same as shopping in the store.  You may be surprised at what you find.


Related:  20220720B - Online Grocery Shopping Could be Costing You Money


Ref: 20220720C

How to Use Siri to add a Reminder on your iPhone or iPad

iPhone Quick Tips

I use the iPhone reminders app to track all my tasks and todo's.  If you are driving, walking around or just don't feel like typing, you can ask Siri to add a reminder for you.

Invoke Siri by either pressing the home button or saying "Hey Siri".  When Siri is listening just Say "Remind Me to ....."  Or you can just put it all together and say "Hey Siri Remind Me to ...."  Siri will add the reminder to your reminder list.

In this example I said, "Hey Siri Remind me to Paint the living room white."  As you can see from the screen shot below, Siri added the reminder and prompted me to see if I want to change it.



Check up on Your Investment Adviser

 Quick tips to help you avoid scams and avoid fraud.


How well do you know your investment adviser?  This is the person that is responsible for managing thousands, if not millions of your hard earned money.  Money that you need to fund your future.  As with any profession, some are better than others.  The Securities and Exchange Commission has oversight and make sure stocks, bonds and other investments are operated fairly.  You can do research on your financial adviser at adviserinfo.sec.gov.







Related: 20220721B

Reference: 20220721A

Report a Debt Collector That’s Threatening You

 Quick tips to help you avoid scams and avoid fraud.


Are you being harassed and threatened by a debt collector?  Maybe even a bank or other financial institution.  You should as them to stop calling you and tell them you’ll be reporting them to the Consumer Financial Protection Bureau.  Add their number to your blocked call list. 


20220721B - How to get Help with a Stock Broker Who Didn’t Listen. 

20220721A - Check up on Your Investment Adviser

How to Automatically Close Safari Tabs

 In Apples iOS for either iPhone or iPad, you can have it automatically close Safari tabs. Leaving a bunch of tabs open to potentially reduce your battery life or maybe even have your phone run a little slower, even if they’re in the background.


In Apples iOS for either iPhone or iPad, you can have it automatically close Safari tabs. Leaving a bunch of tabs open could use more battery or maybe even have your phone run browse a little slower.

Open the iPhone settings menu and scroll down to the Safari app. Open up the settings for the Safari app and scroll down to close tabs. I would suggest closing tabs after one week.




How to Adjust Your iPhone Brightness

Quick tips on how to use your iPhone. 

There are a couple ways to adjust brightness on your iPhone. You can use control center or go to the settings menu.

There are a couple ways to adjust brightness on your iPhone. You can use control center or go to the iPhone Settings menu.

For control center use one fringed to slide up from the bottom your screws. Select the brightness control slider.   Slide it up for brighter and down obviously for dimmer.

 Or in the settings menu select Display & Brightness.  Use the brightness slider control. 



How to Change the Wallpaper on an iPhone



iPhone Quick Tips

How about changing the wallpaper on your iPhone. I love this picture of my granddaughter and the little mermaid versus one of Apple standard wallpapers. It’s simple to do, here’s how.

Go to the settings app And select the wallpaper menu item. Choose change wallpaper and then select the photo that you would like to use. You can use the same photo for the lock screen and for your background screens, or set a different photo for each one.





iPhone Use Search in Settings to Find What you are Looking For


There are hundreds of settings in the iPhone setting menu, and quite often it’s hard to find what you’re looking for. There’s actually a search for feature built into the iPhone settings menu. Open up settings that’s the gear icon. Using one finger pull down on the screen and you should see a search bar show up above your name. Start typing what you’re searching for and settings will filter the options down for you. Select a setting you’d like to change.



I started to type Storage below and you can see the filtered results





Say Yes to Store Brands Not Name Brands

Quick tips to save you money.

Think twice before you say no to store brands. For example Kirkland is one of the biggest brands in the world owned by Costco and they’re a store brand with a lot of great products.  Store brands are a step up from the generic white label brands that we had in the old days. In many cases storebrands are made by the same brand-name manufactures just to storebrand specs.

At least try store brands before you say no and you’ll be saving every time you shop. 

Rent a UHaul Van for a Cheap RV


 Are you looking to go camping,  but have nothing to sleep in?  Why not rent a U-Haul or Home Depot van for the weekend, it’s only 20 bucks. Unfortunately I’m sure these don’t come with unlimited mileage so you have to be careful on that. My son was going to Austin for a wedding, I told him that might be a good idea to save money from the $250 resort fee were the wedding party was staying.

My son was going to Austin for a wedding, I told him that might be a good idea to save money from the $250 resort fee were the wedding party was staying.

Came across the sky camping in Michigan. 


Online Grocery Shopping Could be Costing You Money

 Quick tips to help you save money

If you are choosing the convenience of buying groceries online and having them delivered, you should be aware there may be hidden costs.  The hidden costs could be as much as 35%.  Hidden charges could be from:


  • Check for store worker charges, they have to process and pack your order.
  • Online food prices could be higher then in the store.
  • Check for delivery charges to bring the groceries to you.


You may still choose to use a service like this because it’s the best option, but at least be aware of the costs.


Avoid Western Union and Other Money Transfers

 Quick tips to help you avoid scams and avoid fraud


Avoid sending money using Western Union and other wire services.  Crooks love to use wire transfer services because they are fast and easy.  Between 2004 and 2017 Western Union abided scammers by easily, and probably unknowingly, transfer money around the world from innocent victims to online criminals.


So if someone requests an wire transfer, it’s best to ignore it.  If you are unsure, talk to a family member or friend before you take the steps that the crooks are so urgently requesting.


By the way if you did wire money during the above reference window and feel that you’ve been scammed.  You can call 855-786-1048 to learn more.


Grand Parents Wire Transfer Scam