oopdata
Came home from the company xmas lunch and kept nodding off.
Now I rode the bike of course, so no alcohol was involved, but I did force down some good bbq brisket and sausage. By 10 or so last night, I gave up and went to bed.
Some time after 8 this morning I got up. The cats are happy, I ran short of food for them so yesterday they got a goodly amount of crumbs in the last of the kibble, so to make good on that, I bought some special beef and shrimp chunks for them when I got them a bag of the usual.
We also had our Insurance meetings thursday. Shockingly, our has gone down by 2%. DFW and our company rating were good enough to lower our rates much to the surprise of our agency.
Some of those working for us have coverage under a spouse's job, and those went up from 10-20% or more! The company we just merged with are really happy. they now get our rating, and as most of the employees are now in DFW, that rate as well, so theirs dropped 7% over last year. Now I'd like to see what it would be if the gov't hadn't jacked with things. Maybe we'd have dropped 20% or more.
I use our HSA version, and pay only the amount I want to add to my account, but there was some slip last year, and nothing went into my account this year! I didn't notice until I crashed the bike.
Some offhand remark and I commented I probably had most of my deductible covered by then....NOT. Oops. well, I do have AFLAC so that too would have covered things.
Now all we have to do is trash 0bamacare, and keep the fed's grubby mitts off my 401k and HSA.
I need to cut back my spending right now as well, as I am going to buy a place. Rent is too damned high (hey. . . that could be a political party name!)
They jumped again and I can get a house for less. Far less. Or a lot more house for the same.
on a 15 year loan
with insurance and escrow added
well it does depend on the tax rates. within 20 miles I range from $500 to $1900 for essentially the same house. On the other hand, some great deals are out there right now. and the market is looking to drop once more.
for me it's almost now or never. getting long in the tooth for a 30 year, but 15 year loans are now easier and still in my range. I need a place to work on my junk as well.
Now I rode the bike of course, so no alcohol was involved, but I did force down some good bbq brisket and sausage. By 10 or so last night, I gave up and went to bed.
Some time after 8 this morning I got up. The cats are happy, I ran short of food for them so yesterday they got a goodly amount of crumbs in the last of the kibble, so to make good on that, I bought some special beef and shrimp chunks for them when I got them a bag of the usual.
We also had our Insurance meetings thursday. Shockingly, our has gone down by 2%. DFW and our company rating were good enough to lower our rates much to the surprise of our agency.
Some of those working for us have coverage under a spouse's job, and those went up from 10-20% or more! The company we just merged with are really happy. they now get our rating, and as most of the employees are now in DFW, that rate as well, so theirs dropped 7% over last year. Now I'd like to see what it would be if the gov't hadn't jacked with things. Maybe we'd have dropped 20% or more.
I use our HSA version, and pay only the amount I want to add to my account, but there was some slip last year, and nothing went into my account this year! I didn't notice until I crashed the bike.
Some offhand remark and I commented I probably had most of my deductible covered by then....NOT. Oops. well, I do have AFLAC so that too would have covered things.
Now all we have to do is trash 0bamacare, and keep the fed's grubby mitts off my 401k and HSA.
I need to cut back my spending right now as well, as I am going to buy a place. Rent is too damned high (hey. . . that could be a political party name!)
They jumped again and I can get a house for less. Far less. Or a lot more house for the same.
on a 15 year loan
with insurance and escrow added
well it does depend on the tax rates. within 20 miles I range from $500 to $1900 for essentially the same house. On the other hand, some great deals are out there right now. and the market is looking to drop once more.
for me it's almost now or never. getting long in the tooth for a 30 year, but 15 year loans are now easier and still in my range. I need a place to work on my junk as well.