Recent changes in ole joyful's lifestyle.
9 years ago
last modified: 9 years ago
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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 walking on air today
Comments (21)Hi Iva Mae, I`ve been planning to dwell on that package, and some other matters, with a bit of embellishment, probably, but not stretching things too much, over on the jokey thread about the jockeys with the tired elastics (that got some folks a bit huffy) a week or so ago. Or ... should we suggest that those folks got their shirt-tails (undershorts) sort of tied into knots? (I`m in a newly opened library that has French (slash) English keyboards, some of the keys have double use, and I managed to get the (E with an accute accent) rather than the question mark, and the (e with an accute accent) rather than the forward slash ... and the computer tech here couldn`t find the key to shift the usage back, so she set one up for me for the question mark ... but not the slash! (The exclamation mark works ... but the apostrophe is on a dual key, as well). Life ... do ... have its problems, right� ? ole joyful...See MoreOle joyful has a message that some of you may find relevant ...
Comments (2)I used to recommend to clients (and others - mostly anyone who would listen) that they have a 3 - 6 months worth of wage income in a financial cushion, in case of layoff, emergency or other need ... and in the volatile economy and employment situation we've seen in recent years, more like 9 months' worth to a year's usual income in the cushion. And to some I said that I didn't always have such myself, but had a credit card whose balance owing I paid in full every month, and a fully secured line of credit at the bank (with interest rate level below what they charge on unsecured lines) which I'd draw on to pay off the credit card in full monthly, then save strenuously to retire the debt owing on the line of credit as soon as possible. I want my savings working for me ... not my debts working for someone else or another entity. When I have that ... I say that part of my work is producing nothing (current result) for me. Wait a minute ... since I've been retired, I'm not "working", right? Oh, well ... part of the pension goes to pay someone or an agency whose money I used temporarily. I want it working for me ... or one of the charities/churches that I choose to support. 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 More- 9 years ago
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