babsbag
Herd Master
I am working on an FSA loan right now for the land next to us; they financed my dairy for me.
Latestarter's ramblings/musings/gripes and grumbles.
- Thread starter Latestarter
- Start date
- Status
Kusanar
Loving the herd life
- Thread starter
- #613
I'm not sure if TFC is like those or not. I haven't asked yet. Since I already gave NFCU the go ahead to spend $475 for an appraisal, I'll wait and see what comes of that. I also have one issue with the new place that I'm waiting to hear back on from the inspection report. The chimney has the roof shingles right up touching it with no flashing and it doesn't look like a heat collar either. I have told the seller I want a professional roofer to look at that and fix it so I don't have to worry about leaks or burning the place down. I also said I wanted drip edges installed under all roof edges as right now there are none. There' are no gutters either, which is why I want the drip edges. They should have been installed when the roof was replaced.
- Thread starter
- #614
OK, so one of the things my buyers here wanted was a breaker box/shut off switch installed on the electric line that's going into the garage. Since the previous owner did it himself (to code... mostly) without permits or anything, I was going to have to have a licensed electrician come in and install it at a cost of well over a grand. In addition, since it was done "under the table" the first time around, it could have potentially opened up a huge can of worms. My neighbor was over and I was telling him about it and it turns out he's a retired master electrician 
He said he'd do if for me for the price of parts. 
He just finished and handed me the receipt... $66.00 
He set it up as a GFI circuit to boot! Nice to have good neighbors! I have to head out to the bank and get some cash to pay him. I'm gonna buy myself lunch while I'm out. That's the major issue of the 4 they wanted corrected. I can do the other 3, two are simple, one will require some effort.
Thinking it's about time I had a nice large Philly cheese steak sub w/onions and mushrooms, and xtra cheese
Don't need the calories, but sure need the flavor 
Hope I can find eateries down in TX that serve my fave foods... Buffalo wings, Philly cheese steak subs... and just about any meat... grilled, BBQ'd, and or smoked
Oh, and it turns out the appraiser for here is NEXT Tuesday, not today, so I got up at 6am for nuthin'!
He said he'd do if for me for the price of parts. He just finished and handed me the receipt... $66.00 He set it up as a GFI circuit to boot! Nice to have good neighbors! I have to head out to the bank and get some cash to pay him. I'm gonna buy myself lunch while I'm out. That's the major issue of the 4 they wanted corrected. I can do the other 3, two are simple, one will require some effort.Thinking it's about time I had a nice large Philly cheese steak sub w/onions and mushrooms, and xtra cheese
Don't need the calories, but sure need the flavor Hope I can find eateries down in TX that serve my fave foods... Buffalo wings, Philly cheese steak subs... and just about any meat... grilled, BBQ'd, and or smoked Oh, and it turns out the appraiser for here is NEXT Tuesday, not today, so I got up at 6am for nuthin'!
frustratedearthmother
Herd Master
- Joined
- May 7, 2013
- Messages
- 7,981
- Reaction score
- 14,410
- Points
- 623
There's not much better than a great neighbor! That's awesome. Go get that Philly cheese steak - you have reason to celebrate!
AClark
Loving the herd life
A taste of philly in Co Springs was one of my favorite greasy treats ever - so I'm in envy right now of the sammich!
You need to build a smoker and get a brisket. Not much beats brisket on the smoker. We built ours out of a 55 gal food drum, a table stand I found out in the desert, some stove pipe, and a small trash can. Hubby did the cutting, I welded it - it's ugly but it does the nicest cold smoke!
Last time I did a brisket I smoked it for an hour per lb. It sat in there over night and half the next day - soooooo good.
You need to build a smoker and get a brisket. Not much beats brisket on the smoker. We built ours out of a 55 gal food drum, a table stand I found out in the desert, some stove pipe, and a small trash can. Hubby did the cutting, I welded it - it's ugly but it does the nicest cold smoke!
Last time I did a brisket I smoked it for an hour per lb. It sat in there over night and half the next day - soooooo good.
Baymule
Herd Master
Thinking it's about time I had a nice large Philly cheese steak sub w/onions and mushrooms, and xtra cheese Don't need the calories, but sure need the flavor Hope I can find eateries down in TX that serve my fave foods... Buffalo wings, Philly cheese steak subs... and just about any meat... grilled, BBQ'd, and or smoked
If meat is your favorite food, you are in luck! It just so happens that Texans love their meats!!
Don't need the calories, but sure need the flavor Hope I can find eateries down in TX that serve my fave foods... Buffalo wings, Philly cheese steak subs... and just about any meat... grilled, BBQ'd, and or smoked If meat is your favorite food, you are in luck! It just so happens that Texans love their meats!!
Bruce
Herd Master
There's not much better than a great neighbor! That's awesome. Go get that Philly cheese steak - you have reason to celebrate!
And one for the neighbor! Sure glad you were "complaining" to him about it. If the parts cost $66 and the currently working electrician was going to be over $1K, he is a cheat. I know they will mark up the parts 100% (cover their time to go get them I guess) but there can't be $1K worth of labor. How long did it take your neighbor, a couple of hours maybe?
@farmerjan I hear you on the SS. The claim is you can start collecting at 62, reduced benefit, and it increases 8% per year until you are 70 if you don't start to collect earlier. That may well be true but like you, I'm not so sure it will be there for the next 20 or 30 years of my life after I hit 62 (which isn't all that far off). And if it is still there, perhaps they will need to reduce the amount for those already collecting. Maybe best to get what you can WHILE you can. Also, @Latestarter can give you numbers on the ACTUAL breakeven age if you start at 62.
farmerjan
Herd Master
- Joined
- Aug 16, 2016
- Messages
- 10,333
- Reaction score
- 39,402
- Points
- 748
- Location
- Shenandoah Valley Virginia
With my low income levels it will pay me to wait as long as I can to collect. I will be 63 in sept and will see how things go with this prolotherapy on my joints before I decide. Drs. been saying knee replacement for nearly 10 years but my ankle has gotten alot worse than the knee ; 4 of the 5 ankle drs in the last year have said fusion which I just can't accept. The last one says replacement but I will be out of work for min. 6 months. This prolotherapy has been around for 60+ years but since they can't patent it, is practically unheard of. If it works I will continue to work another year or more.... we'll see. I make too much now to collect anyway and I don't want to give up my ins. yet so will continue to work. But i am tired of the crazy early hours, and with so many of the farmers i milk test for getting older, if too many sell out I will lose my full-time status and then I'm done.
Need to leave some of that honey with that wonderful neighbor for the electrical fix!!!!!!!!
Need to leave some of that honey with that wonderful neighbor for the electrical fix!!!!!!!!
Baymule
Herd Master
@farmerjan you need to talk to someone at a SS office about your benefits. My husband started drawing SS at 65 instead of waiting until his full retirement age of 66. He continued to work. The limit that he could make without getting slammed in taxes was something like $14,000. When he reached the limit, he stopped the SS payments. Because he continued to work, his payments went up. The difference of drawing at 65 versus 66 was $125. The helpful lady at the SS office crunched the numbers and said it would take 14 years to make up the $125 difference.
It might be that you could start your SS and stop it when you reach the dollar limit of what you can make before getting taxed to death. When my DH was drawing SS and still working, if he kept drawing his SS after reaching the $14,000 income limit, then he was taxed up to half of what he drew. Be sure to know the income limit and make a trip to your friendly SS office and cut off the SS payments before you go over limit.
It might be that you could start your SS and stop it when you reach the dollar limit of what you can make before getting taxed to death. When my DH was drawing SS and still working, if he kept drawing his SS after reaching the $14,000 income limit, then he was taxed up to half of what he drew. Be sure to know the income limit and make a trip to your friendly SS office and cut off the SS payments before you go over limit.
- Status
