Journal The Garage

I am deciding today with the Mrs, on what we will do on Health Insurance/life insurance this year.
My wife has good insurance and each year we review it.
Each year we pay allot for Life insurance. But I am wondering if its even worth it?
There is the ranch, its paid for. And a home in town also paid for, and a rental house all that my oldest son would inherit.
No I am not rich, it all assets. Not cash. LOL. Building up to leave for my family.
And then I thought if having the life insurance is necessary. Her works gives us a free base life coverage.
But I have been paying for a much larger policy. I recently files for my SS, and the extra cash would add more stability
to me and the Mrs. My son now has two jobs, his business and a place he has worked at 7 years.
My daughter in law, is a CNA at the VA and makes allot as well. So wondering if we should just discontinue as the whole point was
years ago to add stability. And now there is. I find that often times ppl do not spend life insurance well. They take it as a cash cow and blow it.
My in laws received 250K and property that was paid for. They blew through the cash in 5 years and mortgage 175K on the property.
They went on trips, bought outlandish things, now are in their late 70's in heavy debt, a mortgage and ss as their income.
So I am wondering are we scripting now, only to see it not stabilize anything?

Paul
 
PaulisSaved said:
I am deciding today with the Mrs, on what we will do on Health Insurance/life insurance this year.
My wife has good insurance and each year we review it.
Each year we pay allot for Life insurance. But I am wondering if its even worth it?
There is the ranch, its paid for. And a home in town also paid for, and a rental house all that my oldest son would inherit.
No I am not rich, it all assets. Not cash. LOL. Building up to leave for my family.
And then I thought if having the life insurance is necessary. Her works gives us a free base life coverage.
But I have been paying for a much larger policy. I recently files for my SS, and the extra cash would add more stability
to me and the Mrs. My son now has two jobs, his business and a place he has worked at 7 years.
My daughter in law, is a CNA at the VA and makes allot as well. So wondering if we should just discontinue as the whole point was
years ago to add stability. And now there is. I find that often times ppl do not spend life insurance well. They take it as a cash cow and blow it.
My in laws received 250K and property that was paid for. They blew through the cash in 5 years and mortgage 175K on the property.
They went on trips, bought outlandish things, now are in their late 70's in heavy debt, a mortgage and ss as their income.
So I am wondering are we scripting now, only to see it not stabilize anything?

Paul
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Guess I am answering my own question, after thinking. I am going to add up what we can save by doing this.
And take the funds and help the Memory Care facility staff and local homeless.
The Caregivers where I volunteer do not ,make allot for what they have to do, and the Admin for years has a fund that is to help
then when they need help, food etc. And there is a man locally here that is helping the homeless allot.
My kids do not need it. So we are going to place it where it makes a difference.
My wife is like the smartest person. I do all the finances, bills, investing and all the medical and basics.
But when it comes to solving issues like this she is always right their with logic.

Paul
 
Good morning my beautiful forum family.

Well... today is meal day for the Fire Hall. It's such an easy meal that I FEEL like I am forgetting something... but NOPE... I have two lovely roast beefs cooking in the oven... In a few hours I will add the roasted vegetables and let the flavours sit and marry all day. Oven stew really is the ideal meal... I washed... cut and bagged all my veggies yesterday so that today is just basic care and the stove is doing all the work. :D

I bought dinner buns... and I decided to make a pineapple upside down cake so that will go in when the roasts are fork tender and falling apart.

Anyways... I have a sleep over coming up on Thursday... Will be going to my friend Margaret's house... There are a few of us ladies that go out for supper at a burger joint here in town... and then Margaret and I just stay in and watch a movie. I get to cuddle and sleep with Mr. Louie. ( which is always the bonus ).

So.... Happy Monday to everyone. I think this is the most RELAXED I have ever been on such a large meal day.
Thank you Father for your goodness... your kindness... your mercy and your GREAT LOVE.
 
PaulisSaved said:
I am deciding today with the Mrs, on what we will do on Health Insurance/life insurance this year.
My wife has good insurance and each year we review it.
Each year we pay allot for Life insurance. But I am wondering if its even worth it?
There is the ranch, its paid for. And a home in town also paid for, and a rental house all that my oldest son would inherit.
No I am not rich, it all assets. Not cash. LOL. Building up to leave for my family.
And then I thought if having the life insurance is necessary. Her works gives us a free base life coverage.
But I have been paying for a much larger policy. I recently files for my SS, and the extra cash would add more stability
to me and the Mrs. My son now has two jobs, his business and a place he has worked at 7 years.
My daughter in law, is a CNA at the VA and makes allot as well. So wondering if we should just discontinue as the whole point was
years ago to add stability. And now there is. I find that often times ppl do not spend life insurance well. They take it as a cash cow and blow it.
My in laws received 250K and property that was paid for. They blew through the cash in 5 years and mortgage 175K on the property.
They went on trips, bought outlandish things, now are in their late 70's in heavy debt, a mortgage and ss as their income.
So I am wondering are we scripting now, only to see it not stabilize anything?

Paul
Click to expand...
I noticed that you did not mention funeral expenses for you and your wife. My Dad and Mom had theirs all set up and paid for so that we wouldn't have to worry about that expense. I think you have a good financial set up for your retirement, I just know that funerals can be expensive. Just a thought, brother. May God bless and keep you and your family.
 
Dave F. said:
I noticed that you did not mention funeral expenses for you and your wife. My Dad and Mom had theirs all set up and paid for so that we wouldn't have to worry about that expense. I think you have a good financial set up for your retirement, I just know that funerals can be expensive. Just a thought, brother. May God bless and keep you and your family.
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Thank you brother Dave. :)
We live pretty modest. And put away funds for such and event.
But you are correct. My mom is on Hospice and has no money, or assets.
It will cost around 3500-4000 is what I am told when the time comes.

I love this group, everyone looking out for each other. Thank You Dave,


Paul
 
Dave F. said:
I noticed that you did not mention funeral expenses for you and your wife. My Dad and Mom had theirs all set up and paid for so that we wouldn't have to worry about that expense. I think you have a good financial set up for your retirement, I just know that funerals can be expensive. Just a thought, brother. May God bless and keep you and your family.
Click to expand...
PaulisSaved said:
Thank you brother Dave. :) We live pretty modest. And put away funds for such and event. But you are correct. My mom is on Hospice and has no money, or assets. It will cost around 3500-4000 is what I am told when the time comes. I love this group, everyone looking out for each other. Thank You Dave, Paul
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Good morning, Dave and Paul;

You both brought up a great question regarding funeral burial plans. This can be a drab topic but is necessary to know and consider.

Many families in these times, young adults, middle and senior age are not prepared when their loved one goes to be with the Lord. So they hurry to make a decision to cover the casket, cremation, burial plot, funeral services, etc...and use the quickest pay method.

It's definitely wise to look into a prepaid burial plan or burial insurance. Some families invest in both. This way when an unfortunate loss happens to a loved one a burial plan helps eleviate the stress and planning for the family.

It's not a pleasant thing to talk about but it's good that it was brought up.

God bless you, brothers.

Bob
 
Thought might add a laugh for the day.
Today I am going into the memory care facility I have been a volunteer at for 20+ years.
But they wanted to pay me to help. Its a corporation Memory Care so I have no issues getting paid as
it was a kind Gesture that Administrator wanted to do. So I humbly accepted.

Funny part is I have to come in and do paperwork. But also have to do another back ground check for there.
They BGC check all volunteers. The Admin knows I conceal carry. I was a state Lobbyist also requires a BGC.
But I found it funny, as this is corporate America for you. Been in the building 20 years. They know me very well
we all have even got to the movies together. And I found the BGC funny. I mean maybe they missed that GTA
in 2015 I did . LOLOL.
 
Dave F. said:
Ok, Paul
Where did you hide the bodies? LOLOLOLOLOLOL!!!!!!!!!:ROFLMAO:
Click to expand...

Allegedly... hide the Bodies LOL

My Best friend in 1982, got a call from my employer at a hardware store I applied at.
They ask my friend about me, and my friend being the supportive guy that he was said.

You know how friends will help you when you move?
Well Paul is the kind of friend that would help you move a body,
I got hired......... lol .
 
Gone for 24 hours and all heckle breaks loose.... Do I have to be looking in closets??? Oh wait... the garage does NOT have closets. HAHAHAHAHAHAHAHAHA.

Fire Department is fed... I went Christmas shopping for my daughter and ended up with presents for the dogs. all three of them. Got them matching sweaters.... YEP I did!!! Also got dog treats... and my daughter gets a cup. HAHAHAHA.... It is a pretty cup. I hate shopping... I suck at it... but I have to say... I do have good taste in dog apparel. :D

BGC on Paul...... HAHAHAHAHAHAHAHA.... after twenty years in the building. That is very comical.

Happy Tuesday everyone.

Mr. MOOSE..... I got you a sweater.... tee hee hee.
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OK, whew, managed to accomplish allot this last week.
Was surreal calling the Mortuary people on how to handle Moms remains, pick her up at the facility and so on.
Why she is still very much alive. When my Father died, I had not seen him in like 13 years or so, and he was in a comma.
He was a Veteran, so I really didn't do much. He died on Halloween, in 1992 never having met my son who was almost two then.
I really do not care much for holloween. Why I did enjoy as a kid, as s distraction from home life. Holloween has on that date many awful thing
happen on that day in my past. So I see many people get excited about it and dress up. I don't ignore it, because of Pagan or other religious reason. I do because the day, pretty much suck when I think about it. I dread the day and wait for it to pass. Its the only holiday that has this stigma about it with me. I never went to office parties, or family parties. I think I did once as and adult, but didn't care for it just to many other things about it.
Digress, Mom is stable somewhat. At 85 smoked all her life, and drank until she was in her late 60's.
And no health issues as all. Other then dementia and Alzheimer's.


Today we went to the social security office again. Like 7 times the last six months. But they tell me everything is going well and I need not worry.
There exist a family plan for retired folks like me with a disabled child. I never heard of it, actually no one I have talked with knows its exists.
But there is a un advertised program, that would help my son be stable after I am gone. And seems like its going through.
We stopped at Dutch Brothers. Its like Starbucks with out all the political agenda and is founded right where I live and is now a stock company.

Nice day today, they say 99% chance of rain Halloween. And I am happy it will rain, means I do not have to go do stuff that I wont enjoy.

I am happy just few more irons in the fire. Last week fridge failed had to buy a new one. Uggg. The delivered it Monday.
Its black and matches all our appliances. This house, I love the Kitchen here. Its has so many cabinets and a huge massive counter area.
The house is a 1957 home, built like a tank. The house had three beds rooms one bath. A carport and a Garage.
The previous owner back in the 1980's Closed in the Carport into a Garage. Took the Garage and made a huge master bedroom,
and the back of the existing Garage into a Dinning room. They took the existing dinning room and added it to the kitchen.
That made four bedrooms, so they took one of the bedrooms and made a bathroom/ Laundry room, as the laundry was in the Garage before.
The house has solid oak cabinets as well. I think the previous owner was a carpenter as the work he did was pretty extensive.
But the kitchen is like my favorite room, you seldom ever run out of counter space.

I officially got hire yesterday. It was funny the Admin since she knows me, approved me on all the classes I was supposed to have to take.
The hire forms. Were already filled for me just has to sign and fill out a W4. We all were finding it pretty funny.
 
PaulisSaved said:
OK, whew, managed to accomplish allot this last week.
Was surreal calling the Mortuary people on how to handle Moms remains, pick her up at the facility and so on.
Why she is still very much alive. When my Father died, I had not seen him in like 13 years or so, and he was in a comma.
He was a Veteran, so I really didn't do much. He died on Halloween, in 1992 never having met my son who was almost two then.
I really do not care much for holloween. Why I did enjoy as a kid, as s distraction from home life. Holloween has on that date many awful thing
happen on that day in my past. So I see many people get excited about it and dress up. I don't ignore it, because of Pagan or other religious reason. I do because the day, pretty much suck when I think about it. I dread the day and wait for it to pass. Its the only holiday that has this stigma about it with me. I never went to office parties, or family parties. I think I did once as and adult, but didn't care for it just to many other things about it.
Digress, Mom is stable somewhat. At 85 smoked all her life, and drank until she was in her late 60's.
And no health issues as all. Other then dementia and Alzheimer's.


Today we went to the social security office again. Like 7 times the last six months. But they tell me everything is going well and I need not worry.
There exist a family plan for retired folks like me with a disabled child. I never heard of it, actually no one I have talked with knows its exists.
But there is a un advertised program, that would help my son be stable after I am gone. And seems like its going through.
We stopped at Dutch Brothers. Its like Starbucks with out all the political agenda and is founded right where I live and is now a stock company.

Nice day today, they say 99% chance of rain Halloween. And I am happy it will rain, means I do not have to go do stuff that I wont enjoy.

I am happy just few more irons in the fire. Last week fridge failed had to buy a new one. Uggg. The delivered it Monday.
Its black and matches all our appliances. This house, I love the Kitchen here. Its has so many cabinets and a huge massive counter area.
The house is a 1957 home, built like a tank. The house had three beds rooms one bath. A carport and a Garage.
The previous owner back in the 1980's Closed in the Carport into a Garage. Took the Garage and made a huge master bedroom,
and the back of the existing Garage into a Dinning room. They took the existing dinning room and added it to the kitchen.
That made four bedrooms, so they took one of the bedrooms and made a bathroom/ Laundry room, as the laundry was in the Garage before.
The house has solid oak cabinets as well. I think the previous owner was a carpenter as the work he did was pretty extensive.
But the kitchen is like my favorite room, you seldom ever run out of counter space.

I officially got hire yesterday. It was funny the Admin since she knows me, approved me on all the classes I was supposed to have to take.
The hire forms. Were already filled for me just has to sign and fill out a W4. We all were finding it pretty funny.
Click to expand...

Good morning, Paul;

After reading your post I'm praying for you, asking the Lord to give you a spirit of time and organizational management. I've prayed this for others as well as myself, and it works. Praise Him!

You did a good job with the Funeral Home for your Mom. Planning it now will give everyone peace of mind.

Social Security will work out for your beloved son. In my experience when I applied, two weeks later it was approved. But with that they explained the added benefits and programs (such as you and your son) which I appreciated regarding other services they offered.

It sounds like you and your wife have been good stewards with wisdom and decision making regarding all the details of your home. God has definitely entrusted you both.

Congratulations on your new job! My prayer is God will bless you as a good worker to Him first, your fellow employees and managers.

God bless you, Paul.

Bob
 
AWE....... I missed saying good bye to BOB..... My DEAREST BOB.... my prayers are with you and Hazel... as you go off to far lands to witness the GLORIOUS TRUTH of HOPE in CHRIST.

Good morning my beautiful forum family... it's going on 3:30 am Canadian moose time... HAHAHA.

I have heard several comments about this holiday called Halloween and I am with all of you that HATE this holiday. I can deal with Santa and the Easter Bunny but satan is a whole different ball game and I will not give him attention. This is a nasty night... and no good ever comes of it.

This will be the second year that I have a sleep-over at Margaret's ... I am getting my hair cut this afternoon and then us ladies will be going out for supper.. and then back to Margaret's house for a relaxing evening. We usually watch an old movie... I love Poirot ( the detective ). Margaret introduced me to him... and I fell in love with his character. She also introduced me to the series Downton Abbey and OH my goodness.... biggest fan here.

Anyways.... the best part of my sleep over is that I get to sleep with Mr. Louie... in a bed.... He instinctively knows that when I come over.... all RULES are out the window... and instead of a dog bed... he gets my bed. It's quite funny to see the dynamics of how this plays out. The minute I walk into the house... Louie becomes MY DOG again... and Margaret is but a figment of his imagination. HAHAHAHA.

So... It's shaping up to be a good day... and I am feeling SO incredibly BLESSED. Life just doesn't get better than this.

Happy Thursday everyone.
 
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Halloween is here. Oh Joy LOL.
Found out last night I got invited to go door to door with my Granddaughter, and family.
I can't turn it down as she wouldn't understand. So its going to pour today. I feel bad that I hope it pours.
And on the flip side I know it means allot to her. I mean Kids " I go to a door and get free candy " .
Many of our Holidays are so misconstrued, we make Easter about eggs and Bunnies, Christmas about trees and Santa,
And all of this was simply indoctrinated into our lives the last 100 years or so. Easter used to be the MASSIVE holiday and
the gift that day was Jesus.
Halloween, I get it. But I do know I only will be here maybe 20-30 years tops and Id like to spend my time now with her.
We never turn down time with her no matter how tired or busy.
 
Happy Saturday everyone.

Big day today.... I'm off to the big mall today for some early shopping.
Christmas is the ONLY time I buy presents for my daughter.... and oh... her birthday too... but that all goes out in the same parcel because her birthday is in early January.

It's a big thing for me to get a nice package organized and actually mailed out... so I have to start early... as in right now... due to the fact that my daughter now lives in another province.
I like to send by the first week in December so that it arrives on time. This will be my second year of buying a large flat rate box with pre-paid postage. Takes all the guess work out of sending stuff. As long as the parcel isn't over 11 pounds... they will ship whatever you fill it with.

Anyways... as I mentioned earlier... I already got a few things... .including matching sweaters for her three dogs. Like seriously.... small... medium and large.... DONE!!!!! HAHAHA.

So... We'll see how long I last at the mall.... I don't usually fare out too well.... Usually in an out within half hour.... but today I have places to go other than the Walmart. :D

Hope everyone has a wonderful day. I am going to try and enjoy myself. The mall is NOT my favourite place to be.... but I am going early enough... I'll at least avoid the crowds.
 
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