So for my homework

I got the pool project moving forward a little bit more. Unfortunately, we think one of the pumps may need to be replaced, I would like to hold off on that as long as possible.

I did get a job offer–private nanny. It will be temporary, part time and won’t start until 8 weeks after the little guy gets here. I guess all my years as a stay at home mom and having responsible kids is paying off. The mom also told a neighbor about me and she wants to hire me for the other 2 days that this mom won’t need me. I guess reliable sitters are hard to find.

Started the kids taxes–drive on the computer died and I couldn’t install the software until yesterday. I really want to get this done.

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I applied to 50 jobs last week and went on one interview

With no income to budget or bill pay with I did about 2/3 of my homework (I was also supposed to sell things but ran out of time).

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We’re fine

The slide was about 30 miles north of us. Major event though; lots of damage and lots of casualties. Emergency crews from three counties have been working around the clock to save whoever can still be saved. Thanks for your concerns; we’re very glad we weren’t in the slide area.

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That’s COOL!

Yep – I’ve found my mom in the 1940 census, but no birth certificate info. Can’t find my dad in the 1940 census at ALL. Although I *just* found a Muster Roll for him from 1943 when he was in the Navy(WWII).

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Phooey – no listings for Scott(Bolivar County), Mississippi

That’s where my mom was from. It looks like I’d have to send money for them to do a search. Maybe I’ll have to do that for my mom’s birth certificate to see if it has where my grandmother was born. My dad was from Andersonville(Sumter County), Ga. The search continues…

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I am working on stuff for another craft show this weekend at Oak Alley

historic plantation on the Mississippi River in Vacherie, LA. I need to box a few sets that remain unboxed after our last show that was rained out on the 2nd day. I am also making up 12-15 sets to replace some of what we have sold. Oh, about the rain out. We got there Sunday not knowing what would happen that day with wet grounds and all. We were told on Saturday afternoon that most of the bad weather would go south of the show location and the show would go on. Well, Sunday morning I figured it would be a slosh pit at the show, and it was. We were disappointed it was cancelled because we like meeting customer and getting to know our vendor neighbors. However we were glad we did not have to work in the slosh pit. If it had gone on we would have stayed though. Those who close early on their own have that as a mark against them and it can mean disqualification for future events. However, cancellation by the organizer means no one is penalized.
In the meantime today I called on a local retail store that has previously bought from me. I have not heard from them in a while, mostly my fault for not following up with them. They ordered 26 sets of coasters!! Yeah!! I am putting them on my calendar to call them about every 6-8 weeks for reorders.
I have been searching online for places to get my supplies at wholesale. I have submitted the necessary info to several places. Some of these outfits say “wholesale” but when you get to looking at their “wholesale prices” they are not even close. Many, I have found out use the word “wholesale” to draw in people but their prices are no better than retail SinaCash.com – cash advance online, learn more how it work. I can often get at least 90% of my stuff at 40-50% off of retail just by using coupons at Hobby Lobby or Michael’s with coupons. So I am using that as a guide when looking at wholesale. For online wholesale to work for me, it has to be less than what I pay at HL or M’s when shipping and any other fees are included in the total. So far … almost always, wholesale is not cheaper even when it’s legitimate wholesale. Shipping can eat alive a small business. I am not even trying to find the tiles cheaper. Shipping for that is about equal to the price of the item. Just recently a local flooring store would sell me a box of tiles for “x” but would add in shipping and it was equal to the price of the box of tile. I passed. Ordering the tile online … I have the cost of the tile plus shipping, which again doubles the cost. It is not cost effective for me to do it that way. There is another local flooring store that sells it to me with out shipping added in. I think they absorb it into the cost of installation jobs or something. Not sure how it works and I don’t want to rock the boat when I’ve got a good deal going on. LOL

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How did you find a death certificate online?

I’ve never been able to find birth *or* death information online. The only things I’ve seen is info I’d have to send money and HOPE to get the information…

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You go girl!

That is awesome! I am proud of you for being so frugal … I have avoided looking at the emails from Joann’s and have avoided going in Hobby Lobby because I don’t have $$ to spend now. Hopefully after the craft show this weekend we will have some $$ to budget with for the business.

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Wish me luck

As you know we’ve been playing with making cards and scrapbook pages to sell for awhile. I’ve been slowly building up my inventory to do a massive upload to the site. Part of what I’ve been running into is a limited supply of designs, embossing, die cutting etc—those things can get expensive.

I have a Webfoot Tub Designs budget, but because of all else that has been going on I’ve avoided using it, just in case. We get the truck back, finally, tomorrow and it looks like it’s going to come in under estimate—thank goodness.

Anyway, today it was posted on the Cuttlebug group (it’s an embossing machine folks) that cricut.com was running a 75% off sale on a lot of the embossing folders, dies and other Cuttlebug related items. I at first started to ignore it and go back to my big cleaning project I’ve been doing.

Dh called me out of the blue this morning and asked what I was doing, I told him I was mulling over even looking at the sale because of the truck. He told me to check it out and if it came in under budget with good buys to do it because we needed the equipment. He told me to take the day off from cleaning and do one of my thorough cost comparison shoppings. He figured I needed the rest.

Long story short I spent the entire day first making a wish list, then paring it down and then trying to place the order to have the website drop the entire order (61 items) to finally getting the order placed. I basically got $500 worth of stuff for $70 (well under my budget—just in case) by buying only the 75% off stuff, taking the slowest (cheapest) method of shipping, being able to stack another 25% off coupon on top of the order, and applying a $35 store credit I had with them. Dh was thrilled! Now I’m waiting for my new toys to hopefully make some gorgeous cards and scrapbook pages that will sell. Wish me luck.

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we went from $1200 to $1800

they doubled the deductible and had to drop the dental and vision. The dental was with Smile Care type places and insurance never helped much with vision costs.

My DH is going to talk to the dentist we currently use–been with the practice for 17 years. Doc had already said he’d help us out on the payments if/when we needed help. Everyone but me is scheduled for a cleaning by the end of our dental insurance–I had a cleaning in June.

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That is why we went with a health share

Only 8 of us and swear the price made me want to cry. It was higher than that. We have too many assets for medicaid and not enough income for a tax credit. I was not pleased when our rate soared. So, health share we went.

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I’m just not even sure what to do

We just got the booklet for DH’s health benefit options.
$780 a month to cover the whole family (it’s $390 a paycheck so some months it would be more.) And that’s HMO.
I know they are a smaller company so I wasn’t expecting the rate to be “as competitive” as when he worked for a larger company, plus the average insurance rate post Obamacare implementation was going to rise, but DOUBLE what we were paying? Barebones dental is another $30 a month ($15 per), and Vision (pretty much there’s no point) $12 a month ($6/per).
The only good news is it would be paid pre-tax, which would lower our taxable income by $10,140 A YEAR.
TEN THOUSAND DOLLARS A YEAR for medical insurance.
Oh My Gosh. Thank goodness I got all the kids’ dental stuff for their missions done when we had county medical.

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If you are totally in an unfamiliar area

the police could tell you if it is a high crime rate and you could also check what school district it is in and if that is desirable. Looking around the neighborhood at how those are kept up, doing an internet search will give you a property value though those can be way off sometimes.

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We kept putting it all off

till we paid the house off unless it would cost more money long term. However we only owed 3 years on the house at the start of the loan. Everyone thought we were dirt poor and WAYYyyyy to frugal in the meantime which sucked. I am glad we did it though. I think it is a personal question. The house is paid off and a year later we are still fixing stuff. Only now we can afford to replace or repair with better stuff that will last longer. I am hoping it will cut down on repairs long term.

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It’s a fine line to walk that is for certain

Our decision making process has been a tough one this last five years and we, being the humans we are, sometimes let want get in the way of need, but for the most part we either repaired it ourselves the best we could or did without.
Right now the near wrap around decks on the house are slowly one by one in segments collapsing. Our solution until we are totally debt free. Stop using the one off my bedroom entirely, use salvaged lumber from other spots to make it safe to go in and out the other two main entrances and ignore the rotting railings. They are ugly, but there is a enough rebuilt good we can get up and down the steps safely.
My garage door has not been closed in three years because it is broke and we decided to put up with the animals getting in there and leaves filling it up in the fall rather than put out the $500 or so to repair it properly. As well as the hole in the wall near the garage door. It’s an eyesore that irritates the heck out of me, but I see that $500 being that much closer to being debt free.
When my laptop died the guys put together a desk top for me out of parts of several different computers. When dh’s died he used first one that was my really old one, and then ds’ old one when mine died. He limps along with it and a hand me down tablet. Except when he and ds are telecommuting. Then they use the one ds rewarded himself with when he was debt free and got a huge Christmas bonus. This one they built as well because ds could get three times the computer for the price by them building it. It too contains many used parts. Our computers were needed to help generate income, or we would not have invested any money in them.
The hot water tank went that first year of the program. It was replaced immediately. I’m sorry, but my days of boiling water on the stove and taking spit baths are over for life as far as I am concerned. I did that for 15 years when I ran the ‘voo circuit and I don’t care to go back. I absolutely refuse to take cold showers!
Auto repairs that involve safety or to head off major problems. We save up and pay for as fast as we can. No creditor on this planet is worth endangering the lives of my family or others. We take 2 payday loans in California at paydayloanscaliforniaonline.biz (404, not working now!) for last 12-month period. When my thyroid was trying to kill me, we took care of it immediately and made payments to the hospital. Both dh and I desperately need eye glasses right now. They are slated to come out of either the ss check we get tomorrow or next month’s after all we need our eyes to work. The truck repairs must come first for safety sake and then we’ll see how much of the checks are leftover to pay for the eye glasses. However, the dental work we both need will wait until we are totally debt free.
My freezer died twice in that 5 years. We repaired it the first time because it was still under warranty. The second time we decided to try living without it and we are doing great without it, so we probably won’t get another one. However, if my fridge (either one of them) goes down again it will be replaced as soon as we’ve saved up for it.

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Most of the people going to auction are flippers

They might not always be able to talk to the neighbors because of time. in my hood, no one is home most of the time except me and the over 70 crowd.

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Isn’t that typically the case where potential bidders do not have access to the interior of the property?

How about this though … does anything in the paperwork prevent you from talking to the neighbors? Sometimes they have a lot more knowledge that banks/officials don’t have. I think it’s in the neighbors’ best interest to help secure a stable new owner by talking to potential bidders.

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It’s that way everywhere

Nothing in my area has sold at auction because of this. Here in FL, it makes it easier for the bank to get the house. 1 year vs 3-4 years. Basically, the bank is trying to get their money and they also start the bidding close to what is owed. Bidding on a house on my street was supposed to start at $280k, didn’t go at auction and the list price now is $139k and that is too high for this property.

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You absolutely need to see a lawyer

to find out what you need to do to protect your share of the houses. Even if you end up getting back together with your husband it’s a really good idea to know where you stand.

If your grandfather is willing and able, there may also be ways to protect your share of his house in *his* will.

This stuff is really different on a state-by-state basis.

And I agree with Eldred, if you are completely sure that you’re going to get a divorce, don’t put it off. Some things don’t improve with age.

One thing DR talks about a lot is “accidental investments”. You own 50% of a rental house right now with your husband. If you didn’t own the house and received $100,000 (or whatever your share is worth) right now, would you choose to take that cash and put it into a joint investment with your husband? If your first reaction is “NO WAY!” then you need to think hard about getting out of that and into something that makes sense for you today.

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Should anything happen to him

that debt load would probably fall on you, taxes and all. Sometimes the spouse can also get a good portion of your retirement, don’t know his income but if you have no debt and he has lots if everything went ugly you could wind up paying him. If you have a decent relationship now you might want at least a legal separation at this time even with the possibility of some day being together again. You could see how the financial split would be now instead of after an inheritance happens. Seems like if you are just living apart, he would have to be on board with a mortgage or they would at least factor in his poor credit if you are still a couple even as your sole property.

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From a purely pragmatic point of view…

if you don’t see yourself getting back together, get the divorce NOW. At the moment, you don’t own the property, and that ‘wealth’ can’t be used against you for division of assets. Then if he would owe you alimony you might be able to negate him having any claim on your inherited house. Talk to a lawyer now, but I’d think that if you cut ties BEFORE you get the house, it would be easier to keep it to yourself(and brother).

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