Wednesday, April 15, 2015

Another thought about Social Security

I think I like Chris Christy's ideas on Social Security.
I might have to go back to work for a while,
but if it makes the entire system more solvent
it might be worth it.

Monday, April 13, 2015

My relationship with money.

I was reading Cindi's post about relationship with money
 and decided to take on the topic myself.
Here are the questions she took from Wall Street Journal
and my answers.
What is your most painful money memory?
My brother took my silver dollars from me when I was seven.
His power was scary.

What is your most joyful memory about money?
Having enough money from an inheritance to
take our children with us on many great trips!

How did those experiences shape your relationship with money?
I know where my money is and how to spend it to see my family!

What three things did your parents teach you about money?
Always hide money for a rainy day. (Maybe that is not so honest).
Make sure you always have enough for the necessities of life.
Make sure YOU are the person in charge of the money flow!

Which lessons have you applied?
All of them.
#1 Can get me into trouble
#3 I have a difficult time letting go of control.

Were you rich, poor or middle class growing up?
My parents were probably upper middle class.
We had no idea-since we were not a part of the money conversations.
Since I was the middle child-
their early money troubles were never in my prevue.

What were your family's values about money?
They have changed considerably.
When growing up money was about helping others,
doing good for the community,
being a part of the larger picture.
It became- he who has the money has the power!

With my husband and children it is about
saving for the future, but living today.
Money is access.

What is your largest fear about money?
That I will be a bag lady, alone and sick when I am 80.

What is my most important financial goal?
To have enough never to be a bag lady.

What are you willing to do differently about money?
I never plan on owning two houses again.
It drives me crazy.
Once settled, I hope to use more of my money for my community.


I would add one phrase that affects you the most about money.
"Your heart is your money will be there also".
Right now my money is very immediate family orientated.








Saturday, April 11, 2015

The ins and outs of MY Social Security

At 57, it seems an eternity until Social Security.
It isn't.
The reality comes to light with my husband turning 65 this year.
In order to afford the added costs of Medicare
He has decided to take his Social Security.

What does that mean to me?
A woman who has worked does not have the opportunity
from what I can tell
to take spousal Social Security
and
delay her own.
So, I will be taking my Social Security at full retirement
and then if my husband passes
I will get his Social Security
which will be a bit smaller than normal
because he took his " early".

What does that mean?
If I was allowed to take spousal Social Security
I could wait and take my full Social Security at 70.
My payments would be larger then either of our payments
I would stick with mine- even after he passes.
AND
if I take mine early
my part of his social security will be reduced by that much
when he passes.

Gosh the rules are all messed up!


Friday, April 10, 2015

Back on our heads!

We have had five showings of the house since last Tuesday.
No offers yet.
We are diffusing orange essential oils,
keeping every counter clear and
every bed made.

I don't know how long we can keep this up.
Our last house sold before it hit the market.

I need a good book for sitting at the park with the doggies.
This is my current choice:
How about you? What are you reading?

Of course this breaking news will keep me up tonight!

Wednesday, April 08, 2015

What is the purpose?

The last three days the house things have been put on hold.
My husband and I have been trading off caring for our
Darling
20 month old grand daughter.

She is a pill.
Beginning to repeat every word
Making us play, "Let it Go" 100 times
1,000 books read
Napes in every room of the house,
flowers planted.

Still she did not stop
our concern for her mom and baby sister or brother
Listeria is a scary bacteria
How can eating ice cream be a bad thing
Ever?

With our son "in the field"
we took turns watching our precious
while mommy went to get an IV of antibiotics

I think we are done.
It looks like she dodged the bacteria
Still,
It made me stop and ponder

What is the purpose of anything without our littles?

When their little family moves to California and close to her family,
and we move to Delaware to be close to our daughter's family
We will have great comfort
that what I took to the foot of the cross on Friday
will be cared for.
They, through Him, are the purpose.

In extension it reminded me
that my purpose is to be for the children
everyone's children.
Good reminder for what I will tread into
on our next great adventure.

Friday, April 03, 2015

Sometimes it is too much all about ourselves.

This article Reminds me it is not all about me, or my family, or "my" poor or "my" country.

Wednesday, April 01, 2015

The pay off

Today was the "Broker" open house.
My marketing tool is to get as many people in as possible to see the house.
I talked my realtor into it.
Zillow and I became good friends.
She worked her broker friends.
Emails, snail mail, hand delivery and a bit of a bribe.

Our town is relatively small.
There are about fifteen firms in town.
We got an amazing
TWENTY brokers out to see the house.
Five were from the next town over.
Every other major firm sent at least one person!
We already have scheduled two showings!
The spit
 Polish

And shine
May have been worth it.

If you know anyone in the market for 17 acres
A house
 And a 5000 SqFt Morton Building

In Kansas
Let me know!