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How I use zelle

One more essay.  Zelle is a fast and easy way to send or receive money. It is a peer to peer network that bypasses conventional ways for money transfer and does not require a bank account number. It only requires a email or cell phone number. The email or cell phone identifies the unique financial institution that sends or receives the money and the financial institution involved itself is hidden.   Zelle is offered by over 1,000 financial institutions in the United States. Major Banks and Credit Unions Many large banks, such as Bank of America, Chase, and Wells Fargo, provide Zelle services. All my banks offer it.  Numerous credit unions also participate in the Zelle network. Availability Users can access Zelle through their bank's mobile app or website if their financial institution supports it. Some banks may require users to enroll in Zelle to use the service. Limitations Not all banks offer Zelle, so it's essential to check with your specific institution for ava...
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My health philosophy lately

  I wasn't going to write any more essays except travel ones, but thought I will share this.  I don't give medical or nutrition advice to anyone because I am not qualified. But I need to follow some guidelines for myself. Here is what I try to follow. Eat a well-balanced nutritious home cooked meal with minimum processed foods and use organic ingredients where possible. Limit meats to eggs, chicken, fish and turkey when used. Make sure there is a protein source in the meal (typically a legume or meat). Beans especially high in protein are black gram bean (urad), edamame, and green gram bean (moong - especially if sprouting). Take no supplements except 1 multi vitamin multi mineral pill a day. But do take your doctor prescribed medications or supplements. Exercise. Live a normal life with normal safety precautions and don’t become a germaphobe or become obsessed with health. Never ever take nutrition or health advice from anyone except a doctor who knows you well (not a podca...
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Future essays

I have written what I wanted to write about my retirement here in Hawaii, about Hawaii, and about seniors.  I will write additional essays in the future on retired life in Hawaii if: I feel a strong desire to do it The local people I talk to really want it.  Discussion with my wife to put aside the time to write it.  It is very unlikely any new essays will be written though unless it is a vacation/travel essay. For now this blogsite is dormant.  Total number of essays = 18.  A frozen separate blogsite jaykasi.blogspot.com  with 200 essays covers a wide variety of topics that include politics, economics, government, finance, international, India, Hawaii, history, travel, spirituality, ethics, science, technology, career and personal experiences. 
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Key income sources for Hawaii and other state governments and the cost of living

Duplicated from jaykasi.blogspot.com. In this essay, I briefly describe the key income sources for state governments for 2023 or 2024 from individuals which is part of the cost of living for individuals in that state. My focus is more on what a senior citizen has to pay out, rather than what the state actually uses that revenue for. I live in Hawaii. I had collected this information for my own reasons and decided to share.  Property taxes are often levied by a county, and significantly influence the operational capacity of local services and infrastructure. Property tax is on the assessed value (less deductions like seniors or homeowners) which may be lower than the market value. Hawaii has the second lowest property tax rate in the US, but property prices are high, so the government gets quite a bit of money from this. Louisiana has the lowest rate. New jersey has the highest and New Hampshire and Texas are in the top three. Florida and California are in the middle. Cali...
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