mightyanvil: I do remember those details now. So, even the homeowners GCing their own build can only get tax credits for those specific items, which most of them are probably not using anyway. I'm still cranky over this (plus the realization that I shouldn't use my sconces pointed downward). More poorly written federal legislation. I assume driven by the NAHB or some other lobbyist group which does not represent homeowners. I'm so old and cynical, and while I'm extremely pleased with my builder, I still have to say that if I truly believed that the overall price on my home would be reduced if I negotiated with him to pass on "his" tax credit to me, I would also believe that the federal government is truly interested in making houses more energy efficient. (The federal govt. does not exist. We have a collective of elected representatives whose livelihood depends on reelection and building profitable alliances, and who therefore must submit to the realities of PACs and other forces of political reality.) What I take from all this, is that my custom-home builder, (who is not risking his cash to build a more expensive, energy-efficient home that he hopes he will be able to find a buyer for), will receive a tax credit related to my choices to build, performance-test, and pay for an energy efficient home. I will benefit for the rest of my life in the form of reduced energy costs and increased living comfort. I will have a happy, and therefore more motivated builder. Politicians will get reelected. Builders' trade associations will attract new members. All will be right with our world. What they say about cynicism if true: you can never have enough of it. Or maybe someone just needs a prescription for Prozac.

Hi again Carol, How gratifying to hear your report of how things are going for you and family. Speaking of family - I hope that yours became accustomed to your upgraded situation without too much distress. Interesting, isn't it, how people get used to seeing others (and themselves?) in sort of a rut, following a familiar path? Sometimes I wonder whether some of the partially/slightly negative attention that they pay to someone else's changing course may have some connection with their unhappiness with their present situation, possibly having some inner desire to do something similar, but being rather unwilling to give that desire house-room, whether from inertia (? - I thought that there was a more precise word, called son, but this is the best that we can think of at the moment), fear or whatever motive. I'm pleased that you're finding some success in the field that you've chosen to pursue, and hope that it proceeds apace. Son and I attended a networking project called "The Beehive" last year that's rather different and enables one to meet a number of folks who might be able to offer mutual support/business contact/development possibilities. I heard of it through an economic development council that I've been connected to in our area and took son to one of their initial local meetings. Actually, it was while I was taking son home from their first meeting that I attended that my car got smacked! They divide a number of people in a room into several groups of about 4 each. They pass out a business envelope to each participant, with a card inside. Each person becomes a "Queen Bee", writing some question relating to an idea that they'd like to develop their business around. For me, a financial planner, instead of writing, "Would you like to pay less income tax?" (which would focus on the hearer[s] only), they encourage me to write, "Do you know someone who would like to pay less income tax?" (asking the hearer to think whether they may know of someone in that situation, in addition to themselves). Another member of the small group becomes the "worker bee", and when the round begins, starts by asking the question in her/his own group. If someone knows of a person who might be interested, s/he gives her/his business card to the worker bee. The worker bee takes that Queen Bee's question around to each of the other groups in turn, asking the question. If someone there knows of someone that might be interested, they hand their business card to the worker bee and the worker bee departs, to visit another "hive". They get some hype and speed worked into the situation, each flying worker wondering whether they've been to this or that hive yet, and when a worker bee has finished in a hive and departed, the members of that hive put up their hands and shout, "Over here! Over here!" to attract another worker bee. When each worker bee has visited every hive, they all gather around the coordinator and each reads her/his question in turn, with the other worker bees handing over their own cards if they are interested in that question. Then each worker returns to his/her own hive and hands the question card with the group of cards that s/he gathered to the "Queen Bee" who wrote the question. They usually run four rounds, if there were four members in each "hive" - so everyone gets to be "Queen" once, and "worker" once. They usually run four rounds - which means that each person puts four questions of interest to each participant in the meeting that night. Each participant usually goes home with a fistful of pre-qualified cards in her/his sweaty little hand. The recipient of the cards then contacts the owner of each card received to ask for the contact. This avoids the pressure of the person contacted being put on the spot. I think that several friendships are developed that way, in additon to there being an ongoing live contact. If one of the other members who gave me his card and meets someone a while later who might be interested, s/he might give my name to that person, or tell me about the person's possible interest. Check them out at www.neworldcoaching.com. I've offered a "Christmas gift" to folks here on the "Finance" and "KT" forums, plus here for several years now, a gift that should save them hundreds, maybe thousands, in their lifetime, in addition to keeping former friendships warm. Write the names of everyone you've known since childhood, with contact info, then, over time, add items that relate to them - training, profession, interests, hobbies, vacation destinations, etc. When you want to know something - ask the folks on your database. As time goes along, if you develop some items of interest to several of them, you might begin a sort of newsletter to send to all or a portion. As people become familiar with what you're doing, they may contact you when they have a question, etc. If you can be helpful in such a situation, that guy owes you one, right? Isn't that rather shameful - offering the same (no direct cost) "Christmas gift" to the same people, over and over?! I guess if one's as frugal as I, there are some things about which it gets rather hard to shame them! Well - I didn't do it last Christmas, at least. I hope that some recent comers weren't left without another potential arrow in their quiver, because of it. Good wishes as you step forward into your future, Carol! ole joyful

"Luck" is very often another word for "opportunity". Sometimes you are able to take advantage of it, and sometimes you aren't. It wasn't hard to make money - we're in our late 50's, double-income no kids Boomers, and own a paid-for home, two cars and little debt. But we've made very specific choices in life, some of which paid off (DH's defined benefit pension and retiree health benefits) and some of which didn't. Our overhead is still high - I cringed the last time I totaled up what we spend monthly on various insurance policies - but as I've often said, I was taught to view insurance as risk mitigation, so it's a necessity in our overall estate planning. We've done a lot better on our investments since I really started paying attention to investing and made an effort to learn about it. But when I look back, we left the portfolio unattended until almost too late in life. Fortunately, I picked up the interest in learning about investing before the dot-com bust. So when the bust happened, I didn't change a thing about the portfolio, because I'd learned that panic moves are what kill your ROI. Sure enough, the portfolio got back to even in 18 months and then took off from there. That taught me the value of dollar-cost averaging, too. stinkygdnr, I don't know what OJ would say about your home, but our home was underwater for almost 10 years. It was pretty painful, but we consoled ourselves that heck, we had to live somewhere no matter what. In the end values went higher, although of course they've dropped again this past year. But in the long run, a home usually gives you some appreciation. Plus you get a lot of incalculable enjoyment from living in a place you can remodel and change to your heart's content. We liked our home, didn't love it, until we finished all the landscaping. Then we fell in love with it, finding it a real joy to just sit in the garden in a recliner, reading a book and drinking homemade lemonade. Like I said on a different discussion forum, very often it's the simplest pleasures in life that are the best!

juddgirl, I'm a mid-life MSW and I'll say that it doesn't lead to many low-stress, low-confrontation jobs and most entry-level jobs for MSWs don't pay enough to warrant the cost of the degree. I'm in a job market similar to the one you'll face in Tennessee and nearly everyone I went to MSW school with five years ago regrets the degree due to low pay and high-stress positions. That said, if you do attend an MSW program you will make valuable community and employment connections while you are in school, and with your law degree in hand as well, you will no doubt have a different pool of jobs open to you than the "average" MSW. My advice to anyone of any age about getting an MSW is to find five people in the area where you might want to practice, who have been working as MSWs for at least five years, and ask them whether they would advise their own child or best friend to pursue an MSW. My experience suggests that 4 out of 5 will advise against it. My DD wants to follow in my footsteps and I am working hard to convince her otherwise. MSW school is a racket if ever there was one.