Mortgage rates are in the cellar so refinancings are popular now. What about us? Should we refinance? We bought our Baltimore townhouse for $168,500 in 2001 with a 30-year mortgage and 6.625% fixed interest rate. Then we refinanced $159,600 in 2003 with a 30-year mortgage and 5.750% fixed rate. The house was appraised at $199,500. […]
Money Benefits of Turning 50, Vaccine Hunting & Summer Jobs for Teens
I turn 50 this year (!) and with aging comes certain benefits. In July, I’ll be eligible for AARP membership. You laugh, but Denny’s gives a 15% discount for AARP members. Check out this resource for dozens of businesses that give these types of discounts for 50-year-olds. Even more of a benefit to hitting a […]
My Son Made a College Decision! Here Are 6 Things I’ve Learned
I wrote two years ago about the 8 things I learned when helping my daughter find a college. Today, I’m a bit wiser in the craft of college selection, but this kiddo is different from his sister. And the pandemic has changed some things (some permanently), so there was still some learning to do. 1. Every 18-Year-Old […]
More Quick Takes: $5 Burgers, College Cost, and Squeegee Kids
We are a McDonald’s family. They have hands down the best fries and frappes. And going there gives us some non-elitist bona fides. (Until the pomposity of that last sentence anyway). Still, sometimes I wonder if the grass is greener or cows are juicier at some of the pricier burger joints. The other day, we […]
Quick Takes on a College Trip, Trump, iPhone Gift, and Listening to God
On Sunday, we came home from driving Pippa back to college in Ohio. We don’t have a minivan or SUV, but our PT Cruiser is just big enough to transport all four of us, plus Pippa’s stuff. However, the forecast for the weekend included some snow, and with the Cruiser pushing 150k miles, I’ve been resisting […]
My Amazon Diet for Christmas
I look so fit and healthy here due to the latest weight-loss craze – tropical fruits, plus protein from dried rainforest bugs. Nah, the headline actually refers to fasting from Amazon.com, the online behemoth. Like most crash diets, I’ve cheated. But I’ve had some success and lost some psychic weight. Amazon’s super-handy “past orders” record shows that […]
10 Myths (Busted!) on the 2020 Election, Christianity, and Personal Finance
Myth #1: There is a Grand Canyon-Size Enthusiasm Gap in the Presidential Election Pundits love to talk about the ‘Enthusiasm Gap.’ About how Donald Trump has rabid loyal followers and Joe Biden does not. That’s true, but it’s the wrong perspective. Trump fans are rabid, but anti-Trump fans are equally rabid. I love to bike […]
We Ported Our Landline Phone to Google Voice, Saving $46 Per Month
That headline doesn’t quite cover it. Actually, we transferred our landline to Google Voice, and super charged our Internet bandwidth, and gained some cool call forwarding/voicemail features, and are saving $46 per month with our new voice-over-IP (VoIP) setup. It wasn’t simple – there is a multi-step process – but you don’t need to be […]
Staying on the Road: Used Car Repair on the Cheap
Last time, I detailed the expenses involved in Grey getting his 2009 Mazda 3 on the road. He was excited to have cleared all the regulatory hurdles, but there were storm clouds on the horizon: the paper-thin clutch we had identified during the test drive. To his credit, Grey was being proactive about it, and asking all the […]
Getting a Used Car on the Road in Maryland: Safety Inspection, Tag and Title, Insurance, and Emissions
I related in March the adventure of Grey buying a new used car. About how he spent $1,700 to purchase a 2009 Mazda 3, which proudly joined my Scion xD and Nora’s PT Cruiser on our street: Related: Read about how I destroyed the rear window in my Scion I promised a follow up post […]
Do ‘Black Lives Matter’ or ‘All Lives Matter’?
I share the frustration and heartache of so many Americans who are marching and advocating for racial justice. But what to do about it? What does the bible say? In Acts 6, Luke records how Greek (Hellenist) widows were being unjustly overlooked in the distribution of food in Jerusalem, in favor of the majority Hebrew […]
Can a College Student Get a Summer Job during a Pandemic?
Does your college student have a summer job? Mine does, but it wasn’t easy. With 40M+ Americans out of work, the competition for summer work – or any work at all – hasn’t been this fierce since the Great Depression. So there is zero shame in not getting a summer job, or having one fall […]
Dollar Origami Bible Lesson for Distanced Grade School Students
We all know about the coronavirus disruptions and accommodations that have been made for schoolkids and teachers. Many of us are impacted directly or we’ve certainly heard about it from others. But what about Sunday school? Does that take a hiatus or is there a way to adjust and move forward fruitfully? Nora and I […]
Balancing Grocery Bills, an Internet Upgrade & College Refunds During Virus Lockdown
On Saturday, March 7, Pippa took a shuttle to the Cleveland Hopkins International Airport, to catch a plane to Colorado to visit her grandmother for college spring break. The coronavirus was a thing then, but not a super duper thing. Pippa had a two week break, and she planned the second week at home in […]