Subj : Towing the Line was: Chic
To : Dave Drum
From : Ruth Haffly
Date : Sat Jul 20 2024 11:24:43
Hi Dave,
DD> By continuing to work and pay into SS my monthly cheque increases
DD> every year (more than the COLA bumps. Plus, I enjoy what I do so it's
DD> not "work" just .......
RH> I'm self employed so I can pick and choose my jobs. Not doing anything
RH> right now because our AC not working right, current project is a
RH> flannel shirt. Should have AC fixed Friday, then back to the sewing
RH> machine.
DD> Do you make enough to file with the Eternal Revenue Service? When I
DD> ran a print shop in my basement as a side business one of the things I
DD> hated most was the paperwork for the IRS filings.
Usually just enough to add into our Misc. income; it's not enough to
consider a business but since we do get some income from it, that's hhow
we treat it.
RH> Steve has mentioned cashing out an IRA to pay off the house but we've
RH> not done so yet. Soon getting to the point when we have to draw from it
RH> so we'll probably use that for extra house payments. We're paying extra
RH> on the principle every month so already have the mortgage about half
RH> paid.
DD> I got a link in one of my on-line news feeds the other day - so I
DD> followed it and found myself nodding my head often as I read it. Worth
DD> a read.
DD>
https://www.forbes.com/advisor/mortgages/pay-off-your-mortgage-early/
DD> It's a matter of mathematics. Which is why I don't carry a balance on
DD> my credit cards. And it makes it easier to get a home equity loan. I
DD> needed one when I re-roofed the house, rebuilt the patio cover and had
DD> the tree removed that caused me to need to rebuild the cover.
RH> We don't carry a balance on our cards either. Couple of times when we
RH> had big projects (house siding, new heating/cooling unit), a windfall
RH> has come in at the same time to pay for it.
DD> Found money is *always* nice.
Yes, but no such windfalls this week. Truck needed some routine work,
a/c return failed and had to be replaced & system cleaned, then
something in the upright freezer jammed the door just slightly open &
iced up the system. Found that in time to rescue most everything, gave
us a chance to weed out some stuff. Thankfully, Tricare for Life and
Medicare covered my (specialist) doctor's appointment and we were able
to use the camper (which has a/c) when the house got hot. Also, Steve
got a bit of a discount on the truck work.
DD> 8<----- WHACK ----->8
RH> One time when we were at my parent's house, my brothers were talking
RH> about how good Mrs. Stouffer's lasagne is. Steve and I looked at each
RH> other with a "do they ever have lousy taste in food!" look. I guess it
RH> cmes naturally; my mom used to make lasagne with cottage cheese. I got
RH> my lasagne recipe from my Italian MIL. (G)
DD> It's all in what you're accustomed to, I suppose.
RH> Probably so, but once I got my MIL's recipe, I never looked at my
RH> mom's. Same as we said we'd make his mom's sauce & meatballs and my
RH> mom's meat sauce, then decide which to keep making. Made his mom's
RH> first, never made my mom's. (G)
DD> The Guineas around here used both ricotta and cottage cheese. And
RH> once DD> in a while just small curd cottage cheese.
RH> Guess it depends on what area of Italy you're from.
DD> There are regional specialtiesd in nearly any cuisine.It's seldon the
DD> same all over the country. Bv)=
True, Steve's mom's family is from the Calabrian region, the toe of the
boot. Well known as stone cutters.
---
Catch you later,
Ruth
rchaffly{at}earthlink{dot}net FIDO 1:396/45.28
... Are you sure you really want to know that?
--- PPoint 3.01
* Origin: Sew! That's My Point (1:396/45.28)
