It’s true that the benefits of a parent cannot be measured or quantified in any meaningful way. It’s hard to put a price on the emotional commitment and special experience of raising a child as a parent, some of which may not even be realized by the parents themselves until afterwards. But it is undeniable that the experience of parenthood is a rewarding and special time in someone’s life.
5 Ways to Change the World for the Better
We are all stuck on the same planet with each other. There is nothing any of us are going to do to get the option of leaving for long. Do you want to live in a miserable, run-down world, or one that’s happy and filled with kittens and ice cream?
The kind of world you live in is more a function of your state of mind than the place you live, the job you have, or the person you married. Here are a few ways to improve that state of mind.
1. Be kind. Smile at a teller. Let someone merge in front of you in traffic. Drop a dollar in a homeless man’s jar. Have you ever had a lousy day make a total turnaround because of some inconsequential bit of yay? Doing some small act of kindness can make a world of difference in someone’s day. Next time you’re in the drive-through at Caribou, buy coffee for the person behind you. That random bit of love will put a smile on both your faces.
2. Be positive. Don’t complain. So many of us live in a negative world, watching the world go buy through coffin-colored glasses. Have you ever considered going an entire day without making a negative comment? A week? A month? Some of you are shaking your heads right now, thinking it’s impossible. Have you thought about how much happier you would be if you banned the negative crap in your life?
3. Be a good neighbor. We’ve all had the same problems: a neighbor that plays music too loud, too late; the jerk across the street who yells at you for park on the street in front of his house; the guy who’s too busy to mow his lawn; or the crazy cat lady who makes the entire neighborhood smell like a litter box. Don’t be that guy. I’ve had 90% of my neighbors for more than 5 years. If we don’t make accommodations for the people we have to deal with every day, we’re going to be miserable.
4. Learn something new. If you feel good about yourself, you feel better about the world. If you feel better about the world, you’re more likely to do things to improve it. One of the best ways to feel good about yourself is to improve yourself. Take a class, read a book, or find a mentor to teach you. The method doesn’t matter, just do something to learn something you’re interested in.
What are you doing to make your world better?
More Debt
Even though we just paid off our credit cards in August and have started competing to pay off our mortgage, we opened a new debt account on Monday.
We’ve been shopping for a new(to us) car for a while. Simply put, we’ve outgrown our current vehicles.
As I said last week, these are our needs:
- We have 5 people in our family. My 13-year-old son is bordering on 6 feet tall and shows no sign of not growing.
- Every weekend, we have at least 1 extra kid, sometimes 2.
- We still have a giant(24 foot) boat that we won’t be selling until spring.
- My wife wants to lease a couple of ponies next summer, which will mean a horse trailer to haul them in.
We were looking for a GMC Acadia, which would meet our needs, but after talking to my brother–an Acadia owner–and the dealer, we decided it wouldn’t be the best fit. It would be marginal for towing the horses and the back row of the older models isn’t as roomy as the new one I sat in.
Saturday, we went to test drive an Acadia, which is where we had the conversation with the dealership. We ended up test-driving a Chevy Tahoe instead of the Acadia. With the options and mileage, it bluebooks for $27531, but they were using it as an online price leader and had it priced at $25000. Maybe I missed something, but the thing ran well, handled great, and the engine sounded good. As a way to get people on the lot, it worked.
Our plan was to put $5000 down, and see about trading in our Dodge Caliber and Ford F150. We brought the Caliber with us. Its bluebook value is $9,969. They offered us $5500, so we went home.
Sunday, we decided to sell the car and truck ourselves. We texted the salesman and offered $24,500. He accepted, we got a new truck that will fit our family and our needs.
With taxes, fees, and our down payment, we now have a car loan for $21564. Our plan is to sell the Caliber for $9500 and the F150 for $6800. That will leave $5354. We have a beneficiary IRA that has to be cashed out relatively soon, so we’re planning to do that early in January to push the tax burden to next year, which will end the loan.
Effectively, we’re paying about $300 in interest to give us a chance to move our assets around to take advantage of an SUV meeting our needs for $3000 under blue book. Yes, we could have waited until the assets were ready, but this truck wouldn’t have been there, so we jumped on it.
Merry Christmas
Happy Hanuchristmakwanzivus.
Family and travel. No posts today.
Make the most of the holiday.
How Much Does It Cost to Fight the Yosemite Fire?
The summer of 2013 has proven to be a destructive one. Brush fires have engulfed much of the Western United States, consuming large forests and chasing citizens out of their homes. The fire known as the Rim Fire is closing in one the Yosemite National Forest, one of the most popular tourist destinations in the country.
Managing forest fires in the Western United States has been a consistent struggle over the decades with budgets proving to be hard to navigate around for local, state, and federal firefighting forces. Around 32,000 individual brush fires across California and other western states has resulted in the destruction of 3 million acres of land. To battle these blazes, the U.S. Forest Service, a federal office, contracts with private, state, and local firefighting agencies by providing funding, equipment, resources, and the chemicals needed to stop the blazes. On August 19th, 2013, the U.S. Forest Service has used $967 million to fund the management of these fires. At that time, the U.S. Forest Service only had $50 million left in its budget.
Why is the budget so affected this year compared to other years? For example, in 2012, the total amount of forest fires the U.S. Forest Service answered to totaled to around 67,700 fires and the destruction of 9.3 million acres of land. However, budgetary choices made by the Congress over the decade have made available funds for the U.S. Forest Service hard to find. In addition, the budget sequester, which went into effect this budget year, subtracted $115 million from federal wildfire management programs.
In addition, individual states are seeing their state budgets affected. California had to declare a state of emergency on August 23rd, 2013. One example of a damaging effect to California included the Rim Fire destroying much of the infrastructure near the Hetch Hetchy Resovoir, which supplies water and hydroelectric power to much of San Francisco. As a result of the damage, the city of San Francisco and neighboring municipalities that use the same energy source, spent over $600,000 in replacement water and energy. Private costs are also immense; thousands of homes and private property have been destroyed across the west, including from the Rim Fire. The Rim Fire near Yosemite threatens the national park, the metropolitan San Francisco area’s water and energy supply, and the major municipalities near. By August 25th, 2013, 143,980 acres near Yosemite National Park have been engulfed by the Rim Fire with only 7% of the fire contained. The Rim Fire is approximately 20 miles away from Yosemite National Park and although Route 120 heading into the park is closed, park officials are hopeful that the park will not be affected by the fire thanks to its current distance. If the Rim Fire expands to the Yosemite National Park, the costs for the U.S. Forest Service from the fire damage and trying to contain the fire could catapult higher.
Saturday Roundup
Last weekend, we had 2 birthday parties. In two weeks we are having our biggest party of the year. I’m going to try to get our yard done this weekend, while my wife and a couple of her friends decorate inside the house. October is still nuts at Casa del Myhouse.
Today, I found out that I accidentally made a huge extra payment to my car. $650 too much. I thought I had deleted the auto-payment series from the bank’s site, but I only deleted September’s payment. Hopefully, I can find enough slack in the bills to make up the difference, instead of hitting the emergency fund.
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The best posts of the week:
J. Money’s doing a series on side hustles. The latest one is about chicken farming. If I lived in a more reasonable city, I’d have some chickens of my own.
Self-improvement is always good for you, kind of by definition. Here are a few ways to pick up some interesting certifications.
Lifehacker posted on Squaretrade. I can tell you that, without a doubt, I’ll never again get an extended warranty in-store.