Category Archives: Uncategorized

Keep smoking and save money!

So you have to smoke…. Can you save money here?

Choices: Are you in a two-pack a day habit? Are you spending $300.00 a month on cigarettes? Is spending this money causing you to loose your car? Do you want to smoke and walk to work? Can you quit smoking and have the money to pay for your car so you can drive to work?

Cigarette options – If you have to smoke– roll your own!! You can buy tobacco by the pound bag, purchase a box of flavored filters, and roll cigarettes all day long to your hearts content. If you don’t like the flavor get another flavor. Try a different brand of tobacco.

You will probably spend $40.00 per month instead of $5.00 per day x 7 days x 4.3 weeks or $150.00 a month for a one pack a day smoker. “I have to smoke my Virginia Slims or my Camels.” When you smoke and cannot pay your mortgage payment or cannot pay your car payment, perhaps you have champagne taste with a beer pocketbook?

It is a lifestyle choice. You can make the choice to roll your own cigarettes, and smoke all you want to smoke for about $40.00 a month, after the small investment of a rolling machine. You can buy a cigarette rolling machine at the tobacco store for probably less than $100.00 for the machine. Then you can purchase the flavor of tobacco that you want and a box of filters with the taste of your choice!

Of course, you could save more money and medical bills later on of course by quitting.

My brother died of throat cancer a few years ago.


Save money on your cable bill!!!


Are you spending $200.00 a month on cable, dish, satellite television, etc.? Shut down the cable beast forever! Take the plunge! If you are having a hard time paying your bills each month, and you have both cable and internet, seriously consider shutting off the cable and buying a Roku device or an internet ready television.


The Roku brings internet television to your television set through your internet. The Roku has channels you can subscribe to, a lot of them for free. If you buy an internet ready television you will not need a Roku but you can get one if you want to as it has a lot of nice features. You can order a Roku on line or purchase one from Best Buy or Radio Shack or Wal-Mart, etc. You can listen to the Roku channels with head phones. You can pause your television while watching movies with the Roku, which cable charges you extra for the privilege of doing. Roku is a one-time purchase and it has no monthly fees of its own. We have done this personally. We actually turned off Charter Cable after 20 years because of the new digital boxes that they wanted to charge you for. We had 6 kids each with their own television and we would have been paying over $50.00 a month just for the boxes and I put my foot down and said, “No more.”

HINT: Take a picture of your cable connections on the back of your television with you when you go to the store, as older televisions have to have an adaptor (maybe $25.00) to use the Roku with them. There are three types of Roku’s and we have bought each kind depending on the technology of the television we hooked it up to. Some older television’s we had to buy an adaptor for, newer television’s you do not. We have 101 channels on our Roku set up on our television.


You can get a lot of regular television channels out of the air waves. Purchase the best antennae you can afford. They sell antennae’s starting at $10.00 and up. We also bought several kinds of antennae’s and experimented taking back the ones that did not work. My son was a trooper. He would go to Radio Shack, buy an antennae for a television and if it did not work well enough, would take that antennae back and buy another one. Some of the antennae’s are flat. Some of them are built with wires. To begin with when I cut the cable off , out of desperation, he actually made antennae’s with a wire coat hanger, tin foil, and other stuff he found around the house for free and it worked! For what you are saving on cable you can buy a more expensive antennae and experiment with the angles for the best reception. At that time I was working on buying Roku’s one at a time. * Roku’s at 100.00 a pop is a hard lick if you are not anticipating it. If you cannot figure out how to hook this stuff up hire a geek. TIP. If you hire a geek write down step by step instructions in case of a power surge. It is simple enough I can do it, and I have trouble just using those complicated remotes. Of course, I have my son to call and say, Ryan, which button?


You can purchase Netflix for $7.99 a month, which allows two people to watch two different movies or episodes of different television series at the same time. Netflix has over 9000 movies. Entire series of many shows are available on Netflix. The neat thing about Netflix is each person can have their own profile and when you stop watching a show it stays put, right there, right where you stopped it when you turned the television back on to that channel. We pay $14.99 a month for the ability for four people to watch Netflix at the same time.

Amazon Prime

You can purchase Amazon Prime for $99.00 per year and add this as a channel to your Roku. For less than $20.00 a month you can now have all the television and movies you could watch in a lifetime. With Amazon Prime you get an additional bonus. You can order a lot of stuff off Amazon and you get free two-day shipping. They also have free picture storage. You also get thousands of free Kindle Titles you can borrow at the rate of one book per month.

With the Roku or the internet television a big bonus is that all the seasons for many series are prerecorded. You do not have to pay extra to start and stop television if you want to take a snack break, or talk on the phone. You do not have to pay extra money monthly for a machine to record the movies. You do not have to take the time to program a DVR, the movies and television shows are already recorded for you. You can see all the television and movies you can handle. Another bonus is that you can watch all the television you want to watch without advertising! Savings: $185.00 a month!!!

What is the wildest excuse someones given to the police?

This was real.  My children were fighting on the way to school.  Imagine that?   I pulled over on the side of the road to get on to them.  I said, “We aren’t going anywhere until you quit fighting – if we sit here all day.”  I meant it.  Just then a policeman knocked on my window,  He said, “Do you know why I pulled you over?”  I said you didn’t pull me over I stopped because they were fighting.  Baffled he said, “You ran a stop sign back there.”  I said, “I probably did.  I couldn’t think because they were fighting so bad so I pulled over.  I said “While you are here, please tell them this is dangerous and they could cause me to get in a wreck.”  He admonished them and walked away.  I did not get a ticket.  I truly never saw him when I stopped.

Don’t wait until its too late.

I know a lot about my dad but not everything.  My biggest regret is that when I finished school I was going to get to know him better because he was such a fascinating man.

He died Feb. 5th 1989.  I took the bar Feb 20th / 21st 1989.

He had a massive heart attack and died at Carraway Hospital.  I was with him when I died.  I was working as a cardiac nurse at Carraway Hospital.  I met him in the emergency room.

I wrote a poem about this experience and it was published in a nursing magazine.

Dad’s lungs were gurgling so loud I could hear it without a stethescope.  He was drowning.  The nurse “Perkins” was wondering around looking for his stethescope.  I told the nurse he was allergic to Lidocaine.  They gave it to him anyway.  I picked up the phone in the emergency room and paged Dr. Hess to the emergency room stat.  There was nothing that could be done at that point.

Dad simply waited to late to seek medical care.  I tried to get him to go a couple of days earlier when he first started having chest pain as I knew he needed open heart surgery,  I had spoken to his cardiologist. Dad refused to go not wanting to incur medical bills.  Medical bills don’t matter if you die. He could have gone to the VA but he refused.

Maybe if I had not have been studying for the bar I could have talked him into going to the doctor sooner than I did.  I don’t know.  Dad was pretty stubborn.

I lost my favorite guy that night.  I experienced a sharp pain in my heart.  It was the worst night of my life at that point.

My husband at that time had told me I could not go to the hospital.  I went anyway.

We buried him next to my mother in the Cullman City Cemetary even though they were divorced. They neither one ever remarried.  A story for another day.

The best thing about this story is that a year earlier I had started speaking to him again.  I decided I was a bigger person and wanted time with my dad.  I just never mentioned it again.

I had refused to talk to him for a year because he had hired a lawyer to sue me.  I had bought a truck from a Cullman bank, and dad really liked the truck.  I let him take over the truck payments.  When he paid it off he could not get a title.  How this was my problem I did not know.  I told the lawyer dad must be getting senile.  Now I know we would have had a lawsuit against the bank.  Why that lawyer did not sue the bank or even ask me to sue the bank is something I will never know.

Student Loans – What can I do? Can I do anything other than drowned?


The first thing you have to do is determine what type of loans you have and whether they are federal or private student loans or a combination of both. For federal student loans you can look at this website and retrieve your information.  You can find out how much you owe, the status of your loans and the types of federal loans that you owe.

Here is how to contact various federal loan servicers.

Loan Servicers

Aspire              cornerstone                 Direct               Edu                  Fed Loan         FFELP

Great Lakes                 GSMR              Heal                 Mohela             Navient

To find out what private student loans you owe pull your credit report. Go to


How do I manage to repay my student loans?

Repayment plans                                 Calculators                   CALCULATOR          credit repair

You can go here for IBR/Pay as you earn/ ICR repayment plan requests and direct consolidation loan applications.

Cancellation discharge             teacher                        public service               disability           disability

consolidate                  Default             Deferment                   Forebearance              Poverty

Forgiveness                 IBR                  ICR                  STANDARD LOAN REPAYMENT PLANS


INCOME DRIVEN REPAYMENT PLANS                     Bankruptcy is this an option? I have only been able to discharge student loans once in 20 years of filing bankruptcy for folks. It’s hard to do but I have helped a lot of debtors get relief through IBR and so forth.


Loan Servicers

Aspire              cornerstone                 Direct               Edu                  Fed Loan

Great Lakes                 GSMR              Heal                 Mohela             Navient

nelnet              OSLA               Perkins                        VSAC

scholarship search                   grant                Financial Aid Scams               FAFSA

What if I have been scammed?

Call your lender                      scams               Don’t pay for help to get money

FTC                 identity theft               credit and debt                        credit repair scams


Basics ( will add to this later)


The Hidden Cost of Free

Didn’t your mom teach you if it sounds too good to be true it probably is?  No?  If your mom did not teach you this, haven’t you heard this?  Okay – if you never heard this or if even if you have – DON’T STOP READING NOW!!!!      IF YOU STUMBLED ON THIS BLOG – it wasn’t by accident…(Well that’s a bold assertion isn’t it?)  Okay – “Maybe” it wasn’t by accident….


FREE MONEY – Get rich quick schemes – You won!!! (a lottery you don’t remember entering)

If you get a check in the mail from someone you do not know, do not cash it, RUN – do not walk to the shredder and shred it.  If they say, you deposit it for us and you can keep 10% and send us the rest, guess what?  It will cost you the price of the check plus 10%, plus bounced check fees, plus potential criminal charges. Hidden costs? cost of attorney fees, court costs, fines, and possibly jail time.

If they want you to western union the cash to them except 10% …guess what?  You will western union your money to them.

Maybe they say you won a trip to the Bahamas, a lottery, a prize of some kind and all you have to do is pay them a small fee.  If its free…. it should really be free…. Do not give these people your bank account information….  Do not ever give your personal information out over the telephone to anyone…. (This is the place to lie about your age!!)  Do not give these people your credit card information….  Do not wire these people any money…..  Do not give them your social security number….. Do not give them your bank account information….  HANG UP IF THEY CALL YOU!!!


If they say they are the IRS and you have to pay them ….do your self a favor …go to the local IRS office and give them this money.  Do not give the IRS money over the phone.  The IRS will not call you and ask for money over the phone.


THEY TOLD ME I WOULD GO TO JAIL IF I DID NOT PAY THE IRS.  Ok.  You do not usually go to jail for not paying your taxes, only for not filing your tax returns or for fraudulently filing your tax returns.  Do not give the” IRS” money over the telephone.  The IRS will not call you and ask for money over the telephone.  An owner of a business called me that got scammed on this one.  Do not be afraid to call a lawyer or go to the police if you think you have been scammed. You are not alone.

Tell your friends this stuff because I know you, especially after reading this, would never get scammed – but you might know someone who would.  ( an elderly person?  )  ( a mentally challenged person? )  ( a laborer who simply does not know any better? ) ( A business man who does not know any better? ) Any person can be scammed.  These people are professionals at this.  We all know people that could be taken in.   We have had people come into the office that did just this.  They were facing criminal charges.  The one that commits the crime that can be prosecuted is the one that presents the bad check to the bank.  If you have been taken in by a scam change your bank accounts.  Close your credit cards.  Put an identity theft remark on your credit reports. (This will be the subject of another blog). Protect yourself please.

An easy way to see if a check is good is to call the bank it is written on.  Get your bank to call the bank it is written on before you cash it.  If it’s a postal money order go to the post office and see if it’s a forgery and take the envelope it came in with you and ask the post office if its legitimate.


I talked to one man and he had given $30,000 to the Nigerians on one of those scams.  He said “Well I want my money back.”  I said, “If you go meet them in England, they will kill you for the money on you.”  He persisted.  I said, “Do a will before you go to save your family the expenses they will incur when they kill you.”  I don’t know if he kept on being scammed and I had to be tough on him.  A banker had asked me to call him to stop giving his money away.

What if they tell me there is a fee, some taxes, or custom duties I have to pay or I will go to jail.  Tell them to put it in writing and you will take it to your lawyer and your accountant to review and if your lawyer and accountant both agree you will pay it at that time.

What if they tell me they will sue me.  Tell them please file suit and you will take it to your lawyer to figure out how to handle it.

What if they tell me they will arrest me.  Tell them to send the police.  You are waiting.

They will tell you whatever they think you will believe.

What if they tell me they are a beautiful Russian woman who is in love with you and needs money to come here?  It’s in all likelihood a scam and you are probably pouring out your soul to a man.

What can I do?  Report scams to the FTC.

Who is the FTC?  Federal Trade Commission.

What is the FTC? You can read about them at

Where do I report scams?

Well, this legal advice Is free!!!

Really?  I thought you just said if it sounds too good to be true it probably is?  The operative word is “probably” people.  I am not asking you to give me anything in exchange.  Why?  My job in life is to make your life easier.


Really Legal stuff….. © 11.15.14. Lois Beasley-Carlisle

Okay my disclaimer of the day is the required disclosure for all attorneys.  Alabama.  “No  representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.” Alabama Rules of Professional Conduct Rule 7.2(e) (2002).
Florida  (b) Internet Presence. All World Wide Web sites and home pages accessed via the Internet that are controlled or sponsored by a lawyer or law firm and that contain information concerning the lawyer’s or law firm’s services:  (1) shall disclose all jurisdictions in which the lawyer or members of the law firm are licensed to practice law; Alabama and Florida.  (2) shall disclose 1 or more bona fide office locations of the lawyer or law firm, in accordance with subdivision (a)(2) of rule 4-7.2; and Lois Beasley-Carlisle, Offices of Carlisle & Carlisle, P.C.,  1621 Pinson St., Tarrant, AL 35217.  (3) are considered to be information provided upon request.  Florida Rules of Professional Conduct Rule 4-7.6(b) (2008).


She has been in beauty school four days and has done a perm, learned to cut hair in layers.  She learned how to deal with a lady’s hair that had really bad psoriasis.  She has had one test and made 100%.  She cut a manikins hair pretty straight.  She’s getting there.  Only 8 months, three weeks and one day to go!