ole joyful's news (hope not rehashed)
joyfulguy
7 years ago
last modified: 7 years ago
Featured Answer
Sort by:Oldest
Comments (37)
User
7 years agosatine_gw
7 years agoRelated Discussions
Season's Greetings and Money-saving Idea from Ole Joyful
Comments (10)Hi Jannie, If one of your daughters, at age 15, invests One Whole Dollar ... ... and manages to have it earn 5% rate of return throughout ... ... through 50 years of time ... ... when she hits the ripe old age of 65 ... that dollar will have multiplied 2-1/2 times - it'll be worth $11.00 and change. If she can manage a 10% return, it'll grow to $117.00 and change. No allowance in either case for the erosion of annual income by income tax, and of the value of one's dollar-denominated assets due to inflation. And when she buys a pack of cigarettes - she pays a lot more than a Buck for each one of them. Most of which goes up in smoke - though some stays in her lungs. And the residue can cause a lot of trouble. Can she imagine what people would think of her were she to stand on a main street corner in town and set on fire as many dollars as she spent on smokes that week? And do that at that street corner - every week? People would say that she was nuts. But - that would do her a lot less harm than using those dollars to buy smokes. Trouble is, though - in the U.S., I think that she'd go to jail: it's a Federal offence to destroy money, as it is Federal property. I do hope that your daughters decide that it is a destructive habit - and one of the worst addictions. I don't want to be a slave to a person - much less to a white paper tube filled with dead leaves!! That sounds some stupid, to me. As Dad used to say, "Looks like that person drove their pigs to a darned poor market"!! Good wishes to you - and especially them - for a New Year filled with common sense. ole joyful...See MoreOle joyful's Christmas message
Comments (24)Just spent part of the afternoon arranging with stockbroker to make a gift of stocks that have gone up in value to a major charity, to distribute to a number of others. When I cash the stock, put the proceeds in the bank and write cheques to the charities, come tax time I have to deduct the purchase price from the sale price and pay income tax at regular rate on half of the difference. But when I donate them to a charity, I avoid paying income tax on the capital gain. For the past couple of years I've been able to avoid federal income tax ... largely by gifts to charities, churches and making political contributions. We had both federal and provincial elections last year, so larger political contributions, and larger charitable contributions, helped avoid tax on an increase in income, last year. I like them apples better! ole joyful....See MoreOle Joyful, How Are You Doing?
Comments (45)I haven't been out much this week - staying home and getting the establishment more or less back in shape. An art show has take over the village church today, and when I saw one of the old guys walking down the street away from the church, I'd forgotten that we were to meet at a seniors' apartment building this week, till I got to the church, then as I was going to the meeting place, passed him, there was traffic (four-lane street), I went down a short way and turned around, came back to pick him up. He was nowhere to be seen ... I almost went into a store there ... then saw someone walking down a side street, drove down there, picked him up and we went to the Old Farts' Coffee Hour. I wrote a story about the church magazine's situation, our discussion group, and my getting to know the other members in a much more in-depth situation than we usually find, maybe it would be a good idea to suggest it for other churches, to send to the magazine. I'd checked it with the minister of that church and went to pick it up today: she had minimal suggestions as to editorial revisions. Had a good visit with another cancer survivor that I've known for a dozen years, both members of an investment group: he'd had radiation and chemo at the same time, not a pleasant experience, and one doc had suggested that he might have only a few months to live ... but he's still here, and going strong. Fewer visits to bathroom, so feel that I'm on a much longer leash. At one grocery store today a staff person had picked up a stray bag of milk, and another said that he was careful about picking up stray items near the bathroom when the door was closed ... and a man came out just then to reclaim his bag. I thanked them for having that available bathroom, as I had made good use of it several times in recent months, sometimes when given quite short notice from an interior authority of an essential change in my plans. Weather's been rainy and chilly, but warmer, and the landlord cultivated both gardens yesterday, initial pass. He took out a full tractor trailer load of sod, yesterday afternoon: I was embarrassed, for I hadn't removed some of the stakes. So I guess that spring has finally sprung. "Spring is sprung ... the grass is riz ... I wonder where ... the flowers is?". Actually, forsythia and daffodils are out ... and some grape hyacinths down behind the shed. Can't resist this: one of the items passed around at the Old Farts' was a colour "pic" of a rather rough landscape, with a smiling civilian with an automatic rifle in a saddle atop a moose carrying large antlers ... titled, "Canadian Border Patrol ... watching for illegal Americans". Hope you're all having a good day - good wishes for the rest of the week. ole joyfuelled ... who, sitting at table right next to the stove, forgot to turn the burner off under the stew pot last night ... and had some scraping to do as a result...See MoreNews from ole joyful's place
Comments (15)Someone asked about my carrying water from the city for drinking and some of the cooking. There are two wells on the farm. The one that feeds the house is about a hundred feet away, just this side of a lower level of ground, sometimes a watercourse after a rain, and the barn is a couple of hundred feet on the other side, with a barnyard, partly concrete, on this side of it, about upwards of a hundred feet from the well. Old uncle, in his mid-80s, had had three hip replacements, all the left one, I think, and he had bad back, bad hip and bad leg, using a cane most of the time. He'd raised beef cattle, and had several in the barn, and we suggested that he get rid of the cattle, as he had no offspring from two marriages and was well off. He said that he'd got rid of most of them, but we said that one still had to go to the barn for feeding, watering, and occasional dealing with the residue, whether one had 2 or 35 animals there. When his wife was there, if he didn't show up after an hour or so of choring ... things'd happen. After her death in February about 14 years ago, some of us were worried that if he fell into a snowbank, with no one aware, he might not be able to get out. While we felt that rather improbable, I went back to spend quite a lot of most days with him for a couple of months, till his cattle went to pasture ... and I drank the water, as he did. One day, when we went to the town for groceries, I picked up a bag of milk and put it on the checkout counter. On the way home, he wondered whether I'd like to pay him for the milk. He had rather a dry sense of humour ... and when dealing with such people, if he's serious ... and the listener treats it as a joke and replies accordingly ... it can lead to serious consequences. Actually, I laughed and said to him to not forget ... that when about a dozen or so neighbours came to help with threshing grain, filling silo or repairing a barn, etc. ... the farmer wouldn't dream of sending them home hungry. That was the last that I heard of maybe paying for the milk. A couple of years later, following his death, when the farm was to be sold, they tested the water and fond it bad for e-Coli and coliform. There's another well, on the same side of the low ground as the barnyard, but a couple of hundred feet farther down, that fed the barn, that was O.K. for e-Coli, but bad for coliform, and later the landlord ran a pipe into his shop. I drove out there, some over 10 miles, pretty well daily, for almost a year, sleeping there and making the place look lived in, until it was sold. I don't remember whether I drank the water then, but doubt it, due to the results of the testing. My landlord said several years ago that he'd drunk from it, on occasion, without bad results, and I said that I had, as well, when watering the garden with a long plastic pipe from the barn, without deleterious effect. There haven't been any cattle around for twelve years, so it'd likely be a good idea to test the water again ... but pollution in the ground has a tendency to persist for long periods. Thunderstorm this morning ... so garden's just to be looked at, for a couple of days till dry. Hope you all had a lovely, even memorable, day. ole joyfuelled...See More
moonie_57 (8 NC)
7 years ago
lisa_fla
7 years agoGeorgysmom
7 years ago
morz8 - Washington Coast
7 years agolucillle
7 years ago
Cherryfizz
7 years agohounds_x_two
7 years ago
glenda_al
7 years ago
nicole___
7 years ago
carabubble
7 years agoAdella Bedella
7 years agokatlan
7 years agomiss_sistersue2
7 years ago
jim_1 (Zone 5B)
7 years agoblfenton
7 years ago
kathyg_in_mi
7 years agoUser
7 years ago
Alisande
7 years ago
DawnInCal
7 years agopetra_gw
7 years ago
PKponder TX Z7B
7 years ago
minjeeah
7 years agophyllis__mn
7 years agojkayd_il5
7 years ago
Jasdip
7 years agoldstarr
7 years ago
Yayagal
7 years ago
SandieFL
7 years agomarcopolo5
7 years agonickel_kg
7 years ago
minjeeah
7 years ago
outsideplaying_gw
7 years agojoyfulguy
7 years agolast modified: 7 years ago
Related Stories
PETS50 Dog Photos Worth a Wag
Design hounds: Share in the pet love with Houzzers' snapshots of their beloved dogs at home, in the workshop and at play
Full Story
STORAGE12 Built-In Storage Solutions for Small Spaces
Check out an architect’s guide to some inspiring ways to build in extra cabinets, shelves and cubbyholes at the start of a project
Full Story
KITCHEN DESIGNSmart Investments in Kitchen Cabinetry — a Realtor's Advice
Get expert info on what cabinet features are worth the money, for both you and potential buyers of your home
Full Story
DECORATING GUIDESThe Hottest Houzz Discussion Topics of 2012
Discussions rocked and rolled this year with advice, support, budding friendships — and oh, yes, a political opinion or two
Full Story
Rusty