- RT @kristinbrianne: You won't believe it… I just entered to win the #KodakSweeps on http://tweetphoto.com/contest Pls RT #
- RT @wilw The single most insulting thing you can tell a creative person is, upon viewing their creation, "you have too much free time." #
- Hmm. I share a birthday with Linus Torvalds. #
- @freefrombroke I'm following you and would love to be followed back. in reply to freefrombroke #
- RT: @SuburbanDollar: New Post: : The Art of Delayed Gratification http://bit.ly/5gsKXy #
- RT @FrugalYankee: #NEWYear's #QUOTE: All the things I really like to do are either immoral, illegal or fattening. ~ Alexander Woollcott #
- Crackberry is certainly accurate. I may be too connected. #
- MIL thinks a Kitchenaid stand mixer will make it easier to remove the snow in the driveway. Bad logic, but she's buying one for us, anyway. #
- What magic is in a saw-palmetto capsule and why does my prostate need the power of 1000 of them? #
- RT: @SuburbanDollar: Sounds like he's asking you to rent him a date. #
- RT @hughdeburgh: "I'd rather die fighting for freedom than live as a slave." ~ Judge Andrew Napolitano #Iran #in2010 #USA #
- Happy New Year, 3 minutes early. #
- Billy Jack vs Chuck Norris. Winner? #
- Getting my hair brushed by an 18 month old while watching Married With Children. It's a good evening. #
- RT @FrugalYankee: #NEWYEARS #QUOTE: The most important political office is that of private citizen. ~ Louis Brandeis #
- RT @ScottATaylor: 40,697 Laws Take Effect Today http://ff.im/-dFXNR #
- 5AM. It'd be so easy to go right back to sleep. #
How to Die Well
Most people don’t die quickly.
As much as I would rather die suddenly–while putting a smile on my wife’s face–the odds are that I will spend my last hours or days in a hospital, unable to make the decisions about my care.
Will I be doing my vegetable impression after a car accident, or be left unable to speak during a botched Viagra implanantation in my 90s? I don’t know.
There is one thing I know about the end of my life. I do not want to linger for months, blind and deaf, on a feeding tube. I don’t want my family to spend the last few months of my life secretly ashamed of hoping for my burden to end. I’d like my end to be quick enough that the emotions they are feeling aren’t a sad combination of guilt and relief, just sadness at my passing and happiness at having had me.
That’s the legacy I’d like.
The problem is making my wishes known. If I’m lying in a hospital bed, asking to be allowed to die, they’ll consider me suicidal instead of rationally considering my request. If I’m completely incapacitated, I won’t even be able to ask.
I can certainly make my wishes known beforehand, but how will my family be able to communicate my desires to the doctors in charge and how will they convince the doctor that they aren’t just after my currently imaginary millions?
That’s where a living will comes in. A living will, also know as an advanced directive, is simply a formal document that explicitly states what you want to happen to you if you are too out of it to make your wishes known.
Aging With Dignity has put together an advanced directive called Five Wishes that meets the legal requirements for an advanced directive in 42 states.
The Five Wishes are:
1. Who is going to make decisions for you, if you can’t? For me, the obvious choice is my wife. She appears to like me enough to want me around and love me enough to do what needs to be done, even if it’s difficult. On the chance that we end up in the same car accidents, matching vegetables on a shelf, I’ve nominated my father for the unpleasantness. I don’t think I’ve told him that, yet.
2. What kind of treatment do you want, or want to refuse? When my Grandpa was going, he made sure to have a Do Not Resuscitate order on file with the nursing home, the clinic, and the hospital. He knew it was his time and didn’t want to drag it out.
3. How comfortable do you want to be? Do you want to be kept out of pain, at all costs, even if it means being drugged into oblivion most of the day? Do you want a feeding tube, or would you rather only receive food and fluids if you are capable of taking them by mouth?
4. How do you want to be treated? Do you want to be allowed to die at home? Do you want people to pray at your bedside, or keep their religious views to yourself? Some people want to be left alone, while others are terrified of dying alone. This wish also covers grooming. Personally, if I soil myself, I’d like to get cleaned up as soon as possible. I’ll have enough to deal with without smelling bad, too.
5. What do you want your family to know? This includes any funeral requests you have and whether you’d like to be cremated, buried, or both, but also goes beyond them. Do you want your family to know that you love them? You can also take this section to ask feuding family members to make peace or ask them to remember your better days, instead of the miserable few at the end.
The last 3 wishes are unique to the Five Wishes document, but they are excellent things to include. The most important part of advanced directive is the advanced part. You have the right to want whatever works for you, but your wishes don’t matter if nobody knows about them.
How about you? Do you have a living will? Does your family know what you want to have happen if the worst happens?
The Benefits of Ignorance
For years, we had a sweet deal with day care. We had three kids and we were the only family with three kids, so we got a bulk discount that essentially made my oldest free. Compared to the regular price, I think we were paying about ten dollars a week for him to be in daycare, which was great, since he was only there before and after school.
Then he aged out of daycare, and we lost our sweet, sweet deal.
Then the prices went up across the board.
We lost the sweet deal, and then the price went up and our youngest hit the next age bracket.
On the price sheet, the age brackets went from birth to 1, from 1 to 2, and from 2 to kindergarten. I made the mistake of interpreting that to mean that her fee would change when Baby Brat turned three, not when she turned two. I’ve been making that mistake since December when the price went up.
A few weeks ago, I dropped off the kids and forgot to pay for the week, so my wife paid when she picked up the girls. When my wife picked up the girls, she noticed that we hadn’t paid. She had no idea how much we needed to pay because she has never been the one that’s been responsible for making the payments.
Our provider added up the cost and found it was $15 per week less than we’d been paying.
When I balanced the checkbook the following weekend, I noticed that she paid less than our normal rate. We called daycare and now we’re making up for the last 17 weeks of overpayments by paying less each week. We’re paying about $65 less per week. When we’re caught up, we’ll be paying $60-75 less per month, depending on the month.
All due to sweet, sweet ignorance. Ignorance really can be bliss. Sometimes when you know what’s going on, you just assume that you’re making the right decision and you’re afraid to ask questions for fear of looking stupid. If you don’t know, and there’s nothing you should have known, and it’s possible to save quite a bit of money by just acknowledging the fact that you don’t know.
Also, lesson learned: If you’re not sure, ask! Don’t assume when there’s a chance your assumption could be costing you money.
Net Worth Update – September 2014
It’s time for my irregular-but-usually-quarterly net worth update. It’s boring, but I like to keep track of how we’re doing. Frankly, I was a bit worried when I started this because we’ve been overspending this summer and Linda was off work for the season.
But, all in all, we didn’t do too bad.
Some highlights:
- Both of our properties lost around $3000 in value. I’m not worried, because we are keeping them both for the long haul. The rental is basically on auto-pilot, so that’s free money every month.
- We sold a boat that appraised for much less I had estimated in the last few updates. I had it listed for $5000, but it was worth $2000.
- I do have a credit card balance at the moment, but that goes away as soon as my expense check clears the bank, which will be in a day or two.
- We’re in the home stretch with the mortgage. There is $11,407 left to go, and we’ve paid down $9105 in the last year. By this time next year, I want that gone, gone, gone.
I can’t say I’m upset with our progress. We’ve paid down $6000 in debt in 2014, including 3 months with 1 income. We aren’t maxing our retirement accounts, yet, but I’d like to be completely debt free before I do that. It’s bad math, but having all of my debt gone will give me such a warm fuzzy feeling, I can’t not do it.
My immediate goal is to hit a $600,000 net worth by my next update in January. I’m only about $7000 off.
Time to hit the casino. Err, I mean, time to up my 401k contribution from 5% to 7%.
Twitter Weekly Updates for 2010-05-29
- RT @ramseyshow: RT @E_C_S_T_E_R_I_: "Stupid has a gravitational pull." -D Ramsey as heard n NPR. I know many who have not escaped its orbit. #
- @BudgetsAreSexy KISS is playing the MINUTE state fair in August. in reply to BudgetsAreSexy #
- 3 year old is "reading" to her sister: Goldilocks, complete with the voices I use. #
- RT @marcandangel: 40 Useful Sites To Learn New Skills http://bit.ly/b1tseW #
- Babies bounce! https://liverealnow.net/hKmc #
- While trying to pay for dinner recently, I was asked if other businesses accepted my $2 bills. #
- Lol RT @zappos: Art. on front page of USA Today is titled "Twitter Power". I diligently read the first 140 characters. http://bit.ly/9csCIG #
- Sweet! I am the number 1 hit on Ask.com for "I hate birthday parties" #
- RT @FinEngr: Money Hackers Carnival #117 Wedding & Marriage Edition http://bit.ly/cTO4FU #
- Nobody, but nobody walks sexy wearing flipflops. #
- @MonroeOnABudget Sandals are ok. Flipflops ruin a good sway. 🙂 in reply to MonroeOnABudget #
- RT @untemplater: RT @zappos: "Do one thing every day that scares you." -Eleanor Roosevelt #
Taco Seasoning
A few weeks ago, Edward at If You Can Read, You Can Cook sent me a jar of his taco seasoning to try.
Yum.
He’s got four flavors: hot, medium, mild, and sweet cumin. Since I’m the only one in my family who likes spicy food, I asked for the sweet cumin.
This is a jar of pure taco flavor, without any of the burn. Tacos, burritos, omelettes, or Rice Krispies, nearly anything could benefit from a dose of this stuff.
Seriously, we’re done with the little paper packets from the grocery store. From now on, Edward is getting our taco seasoning business. We do large batches of tacos 2-3 times a month, so I’m looking forward to trying the other flavors, too.
http://www.ifyoucanread.com/if-you-can-read-you-can-cook-taco-seasonings-original-page-2/ I was not compensated for this post, other than getting a free jar to try. It’s just good.