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Wednesday, November 14, 2018

Planning my 60th Birthday Cruise

From the desk of Pamela Dabney

Planning my 60th birthday cruise began in August of 2017 with research of departure points and travel destinations. Many of my family members said they would attend. Everyone is getting older. The list of reasons began to get longer and longer. I cancelled the group reservation that I made in September of 2017. Take a look at what is included in our cruise voyage. WE kept our next group of meetings close to our chest. There are more clients attending than family. I love the ocean and a balcony is required for my sailing delights. The cost didn't matter since we started saving in August of 2017. If you do not have a current passport then you need to update or purchase a new one for your future travels. Passports cost money however they are valid for 10 years. Passport Application Information

Norwegian Cruise Lines is our ship of choice for Twenty Nineteen. So many advantages on the ships with excellent meal plans included. We elected the Specialty Dining Packages to visit a few of the following: Steakhouse, French, Italian, Churrascaria, Teppanyaki, Mexican, and BBQ restaurants, plus Margaritaville at Sea. Dining options vary by ship. This provides you the opportunity to make reservations for your special occasion. You will dine in a more upscale atmosphere for the evening. Prepaying for this package means you will not be billed at the end of the voyage. We have prepaid for our meal services charges as well. Our ship is packed with things to do and full of entertainment. We have so many things to look forward to on the ship plus visiting the ports of call.

Celebrating my special birthday requires beverages. The Ultimate Beverage Package (ages 21 & older) was my very first choice. The reason there's a fixed service charge is an important one: Our Crew (as are the crew from other lines) is encouraged to work together as a team. Staff members including complimentary restaurant staff, stateroom stewards and behind-the-scenes support staff are compensated by a combination of salary and incentive programs that your service charge supports. The convenience of pre-paying is to your best advantage including the service charges and tips. This will allow you to plan your budget prior to your cruise giving you additional freedom while on board and at port.

Love me or hate me, both are in my favor... If you love me, I'll always be in your heart...
If you hate me, I'll always be in your mind."... William Shakespeare

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Ms. Pamela L. Dabney
Raymond's Express Travel Services

Certified Cruise Line Agent
P. O. Box 295
Glenolden, PA 19036
Follow me @p_dabney & @Rayextraserv

Monday, January 23, 2017


Good Day to You,

Have you ever felt like you are the only one in the world that feels the way that you do?
No one understands what you are feeling because they have their own problems, projects, and concerns. It is hard to put your thoughts and feelings into perspective. You know that your words are falling on death ears. People do not listen anymore. People hear to respond not to understand. There is a difference if you are not listening to understand what someone is saying.

While shopping in a grocery store last week a disabled employee tried to help me. I looked down at myself and realized that my heart surgery scar was visible and wearing a knee brace. I was riding in the electric shopping cart. My feelings were different from his. I wished that I was able to get up and help him do his job. He was in really bad shape working. Then I wondered was he working to support himself in that condition because he had lost disability benefits.

Executive Order on Obamacare

Are you watching what is really going on around you? People are mistreating one another, children, pets, neighbors, and so on. It is as if every man for himself and "Love thy neighbor" has been thrown out the window. Good morning and how are you? Everybody is doing good; "I'm good" they answer. Companies shutting off utilities through out the neighborhood. You see no lights at night or they are stealing a neighbors water. You smell kerosene because the heating source has been shut off, but their still good.


What happened to the days when a neighbor honestly said I am having a hard time? I have helped honest neighbors eat in the past. A bag of potatoes, onions, green peppers, cereal, milk, some canned veggies out of my pantry, and some chicken on sale has been appreciated. It helped them. I received some extra prayers. God blessed us both. When you are not comfortable giving them your hard earned cash, you can ask for a list. Then you go to the store and do what you can with what you have. You can also find out where the food banks are in your neighborhood and take them.
You know in your heart what needs to be done.


We all can do our part in many ways. Share information, listen, feed the homeless, and animals too. I love nature. A few years ago, I saw a hungry cat and fed the cat. Once the cat was strong enough it left in search of it's own home. However, there were a few more in need that found their way to our patio. God has blessed us to feed the stray cats, birds, squirrels, and chip monks in need. People assist and complain it depends on who they are, how they were raised, and where they are Spiritually in life.

Donations always accepted
Pamela L Dabney
P. O. Box 295
Glenolden, PA 19036

Up bringing has a lot to do with society today.
Transfiguration Philadelphia 1973 (Catholic School Foundation)
West Catholic High School Philadelphia 1977
Pierce College Undergraduate Business Automation Management 1980 (When our books meant something)
Reservation Service Provider 1986 (Travel: All forms of Transportation, Lodging, Events, and Extras)
USA Certified Section 508 Programmer 2001 (Workforce Reinvestment Act)
Bata Tester for Microsoft Networks 2000 - 2004
Certified Norwegian Cruise Line Agent
HTML5 Contributor and Register Programs 2008
Stroke Survivor 2010
Heart Attack Survivor 2010
TEVAR Disabled Permanent Damages 2011 - Present

In Memory of Dr. Jackie West Ford Edwards (my little sister and friend)

Saturday, July 11, 2015

The Insurance Industry

Life, Home, Appliance, Transportation, Business, Event, and Credit Cards Insurance

Are you really covered for every situation in your life? Do you live near the water? If so, you should really have some flood insurance. Do you have any family heirlooms from your grand aunt? Do you have minor children? If you are renting an apartment do you have Renters insurance? We pay more for insurances than we do anything else in life. Is there any control over the insurance industry?

Whole life also called Permanent life or Term life insurance is major so which way have you insured your family? We have some term life insurance policies from years ago that are paid in full and still have their value. Someone had the bright idea to change the provisions of term life insurance. We need to be careful who and how we vote in elections. Currently, when you buy a term life policy, at the end of the term the policy has no value under current standards. It does not matter how many years you pay or how much the policy is worth it is null and void. While other policies will depreciate.

Disadvantaged Americans are on fixed incomes with limited budgets and most with health issues. We spoke with many people at the library meeting, recreation center meeting, and senior center. The topic was insurance, the future, and preparations or lack there of. We were informed that the first thing most Government Agencies ask is do you have any insurance policies with cash surrender value? We were told they had to exhaust everything before receiving any city, state, or federal assistance. I was wondering why so many people in our neighborhood go door to door when loved ones die to collect for the funeral services. How do disadvantaged people prepare for retirement?

When was the last time that you took self inventory? Periodically, I walk around my home with a note book to evaluate our insurance needs. We make changes in our lives daily and seasonally. While walking around I include repairs, updates, or upgrades needed around the home. Some People give expensive gifts for special occasions and they have to be put away in your home and insured.

Home organization is different for each person. I list our overflow in 3 categories as I walk around the home: trash, keep, and donate. I get two bags out to begin the process one for donations and the other for trash. I keep the warranties and extended insurance plans in a folder. I have additional insurance on small appliances, the home heating system, hot water tank, refrigerator, freezer, air conditioners, washer, ceiling fan, and dryer insurance.

Credit card insurance is something you could consider when possible. When I qualified for a charge at a major home supply center; I added the life insurance plan. In the event of my death that credit card is paid in full. The credit card policy covers all the products purchased. I added that insurance to protect my family for pennies a day.

As your life changes your insurance needs change so stay up to date.
One in four insurance agents will be gone by 2018
Buying term and investing the difference

Thanks for reading; kind comments are always welcomed for public viewing. Critical comments are appreciated privately

Thursday, June 11, 2015

What can we do?

Will we survive the next natural disaster? Are we prepared for any of these: astroid, meteor, comet, volcano, earth quake, tsunami, hurricane, tornado, floods, or an ice storm? Our solar system is comprised of many things. The galaxy in which we live is complicated. The movie San Andreas has come out. I immediately remembered elementary science and the San Andreas Fault. I questioned a few people who attended different schools. Many said they were never taught about the geological faults.

I liked science in school and continue to read and research the subject. My memory about geological faults was a surprise since the stroke. No matter what level of education you have, everyone could expect the best, prepare for the worst, and pray with hope in your heart. "Today is your day, because we are next in line for a miracle. Shirley Caesar " Your Next in Line

Comets are composed of ices, dust and rocky debris carried from the early formation of the solar system about 4.5 billion years ago. This link will prove more information on the subject. The ices are what cause the cold temperatures when comets are near. "As of 1995, 878 comets have been cataloged and their orbits at least roughly calculated. Of these 184 are periodic comets (orbital periods less than 200 years); some of the remainder are no doubt periodic as well, but their orbits have not been determined with sufficient accuracy to tell for sure." Nine Planets

Meteor Showers can often be seen in the night sky. "Meteor showers are named for the constellation that coincides with this region in the sky, a spot known as the radiant. For instance, the radiant for the Leonid meteor shower is in the constellation Leo. The Perseid meteor shower is so named because meteors appear to fall from a point in the constellation Perseus." Star Date Lyrid Meteor Shower in 2016 will be difficult to see because of the full moon.

What Is The Difference Between Asteroids and Meteorites? by NANCY ATKINSON on JUNE 2, 2015 will answer many of your questions. I hope this feature will prompt you to read, research, and prepare your family for anything. Climate changes effect us in many ways and 26 space rocks hit Earth between 2000 and 2013, each releasing energy equivalent to some of our most powerful nuclear weapons.