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Archives for 2021

I Got COVID Despite Being Careful

December 16, 2021 by Barnaby

My 85-year-old father thinks COVID precautions are excessive. Sometimes I agree, but I’m not anxious to get sick or inadvertently pass sickness to anyone else. So I accept his needling like a pin cushion, absorbing the barbs like I was made for it. Dad in the Cracker Barrel gift shop: “Why do you wear that […]

Filed Under: Misc Finance Tagged With: covid masking, covid testing, covid vaccine

Six Micro Stories

October 28, 2021 by Barnaby

My mom drives an old PT Cruiser, just like Nora does. We don’t take ours on long trips anymore because it is too unreliable. The left blinker is on the fritz, the radio shuts off randomly, and the rear hatch opens when it feels like it, not when you tell it to. Mom and Dad […]

Filed Under: Misc Finance

My Son Saved $1,712 on Insurance When He Took His Car to College

September 30, 2021 by Barnaby

Nora suggested we inform GEICO that Grey took his car to Kent State to see if they’d lower his ridiculous premium. There is no ‘see,’ I said – once the cat was out of the bag, he’d have to live with the new policy wherever it went, up or down. But I couldn’t imagine it […]

Filed Under: Kids & Finance, Saving Money Tagged With: e-zpass, saving on car insurance

Storm Dropped Neighbor’s Tree on Our House, But We Didn’t Take a Bath

September 9, 2021 by Barnaby

Last month, a wild thunderstorm swept into the neighborhood. It delivered fierce, howling winds, which caused me to run to the front door to see if the badminton net would survive. Miraculously, it did, but not the neighbor’s 60′ pine. That came crashing through our back patio and onto the roof. It snapped off – […]

Filed Under: Saving Money Tagged With: insurance for catastrophic loss, saving money on insurance

Summer Vacation Edition: On the Road Again

July 30, 2021 by Barnaby

Like most Americans, we are slowly returning to lives that resemble our former lives.  In pre-pandemic times, Nora would travel most of the summer, visiting friends and family in Colorado, Vermont, Maine, and Long Island. Every other summer we’d do an overseas trip. In 2020, we were scheduled to go to England for a long-distance […]

Filed Under: Travel & Finance Tagged With: frugal habits, pandemic travel, splurging responsibly

Thoughts on Dropping Life Insurance, Avoiding Voluntary Taxes, and a Summer Jobs Update

June 24, 2021 by Barnaby

We recently agreed to assume guardianship of friends’ two teenagers if the parents die. It’s one of those very low probability, yet very high impact type of scenarios. So it required some serious thought and prayer. When we told Pippa and Grey about it, their minds immediately went to…you guessed it: “What about us? Who […]

Filed Under: Kids & Finance Tagged With: avoiding voluntary taxes, cancelling term life insurance, summer jobs for teenagers

Real Estate Thoughts: A Refinancing Decision & Home as Nest Egg

May 13, 2021 by Barnaby

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. […]

Filed Under: Saving Money Tagged With: inflation, mortgage rates, mortgage refinancing, real estate investment

My Son Made a College Decision! Here Are 6 Things I’ve Learned

April 21, 2021 by Barnaby

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 […]

Filed Under: Kids & Finance, Saving Money Tagged With: affording college, college reveal, college search on a budget

Money Benefits of Turning 50, Vaccine Hunting & Summer Jobs for Teens

March 28, 2021 by Barnaby

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 […]

Filed Under: Kids & Finance, Saving Money Tagged With: 401k contribution change at 50, p/t jobs for teenagers, summer jobs for teenagers, vaccine hunting

More Quick Takes: $5 Burgers, College Cost, and Squeegee Kids

February 26, 2021 by Barnaby

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 […]

Filed Under: Kids & Finance, Misc Finance Tagged With: college cost, money ethics

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About Barnaby King Welcome to the Personal Finance King blog, which explores issues of Money, Faith, Work, and Family. I am Barnaby King. More
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