I love you guys!! Thank you so much for the sage advice and the virtual shoulders to lean on. Today I called my son and told him I was coming over to help him deep clean his house. I guess I left my cell phone at home, cuz DH had to text DS to get in touch with me. How liberating that was!! I worked really hard at DS's house, but he worked along side me and was wonderful company, so even tho I'm sore and tired, it was a good day. DS was VERY appreciative of me being there to help him and I liked doing it for him. I'm going to try to talk to DH tonight. He has a tendency to avoid conflict, and while I don't want conflict, I DO need him to hear me. DH has been self employed for years, just recently his business (more like a hobby income the last year or so) has just about come to a standstill. The things he makes are not a necessity item, so he's not bringing in the $$ like before. We can basically only count on my income...which is plenty for us to live comfortably on, but not where we can still live like we do and support another person. DH's income was for the fun stuff and extras for the most part. Rose...your DH sounds so much like mine. When my SS lived with us, it was horrible, too. He was much like yours and when he finally left our house for good, it was like a weight off my shoulders. But he almost tore us apart. My DH has always had a tendency to put his family ahead of me. For the most part, I dealt with it, but they've intruded into our life for the past couple years to the point where I can't take it any more. We've got an empty nest, and I want to enjoy it. We were both parents when we met, so we never had time alone together until the kids were grown. We were starting to have fun together when MIL became a pretty much every day fixture in our lives. She started backing off after I complained to DH, and it was ok, but now BIL is here. I'm just not sure of his situation. MIL said that his wife told her she does not want to reconcile. She wants to be friends with him, she loves him but is not in love...blahblah. He's holding on to the idea that they're going to reconcile. He goes over to her place at least once a week and stays there, but apparently stays on the sofa, and the other day he said he had to sleep on the floor because grandkids or something were there. Yesterday he told me he has an interview at a gym, I asked him about it and it's a fly-by-night outfit (he's a certified personal trainer) and he's been talking alot about how unhappy he is at his job (he works in retail and has a decent job w/bennies). This is his history, he's never worked at a job longer than 2 years, and he's just about past that time now, so he's ready to move on. DH said BIL is broke all the time, likely because he's giving his wife the $$, and that is again typical of him. So I'm not sure how the money thing will work. But frankly, it's not my problem!! The holiday thing...when my Dad was alive, he and my DH did not get along. My DH made every excuse in the book not to spend holidays at my parents, so to avoid the fight with him, and the tension if they were all together, I'd take the kids to my folks and he'd stay with his kid. It made me angry, but I chose the lesser of 2 evils. Later, we noticed a trend, DH would get pouty and start picking fights shortly before holidays. I finally figured it out, that he didn't want to spend time with my family and holidays always included them. His family was not nearby and when they were, they wouldn't come...they didn't want to celebrate. So once I figured out his M.O., I realized it wasn't ME, it was him...and I wouldn't let him get his way. He would pitch a fit and try to get out of events, but I'd make him participate. And what do you know, he always enjoyed himself! But I also learned that he;d bug out early, so I got used to it. He's very shy and not comfortable around people he's not really used to. I'm the opposite, I am gregarious and love to socialize. Well, this year, our DD who was married last year said she would like to host Thanksgiving at her house and have her in-laws and her family together. I am thrilled and am excited to do this with her, but as soon as DH found out (he read the email from DD) he said he was spending T'giving with his Mom. He is extremely uncomfortable about DD's in-laws, he only met them the first time at the rehearsal dinner, and barely spoke with them during the wedding weekend. So he's going to try everything he can to try to get out of going. I'm not going to say a word to him about it...I thought about trying to cajole him, but I'm going to let it be up to my kids to make him understand how disappointed they'll be if he doesn't spend time with them because he's shy and being a baby. But now, with BIL here, or at least in the proximity, he'll find every excuse, and likely his mother will want her boys over to her house. Anyway, it's just drama that I do not want to contend with, and honestly, I thought it was all over with...that DH had moved on, because every year I host a big Christmas party with lots of people and he enjoys it. It's almost like he's taken 3 giant steps back now that his brother is here every day. So the more I think about it, the more I think I need to get DH alone...sit him down and lay it out. I've already made up my mind that I WILL leave him if his mother ever has to come live with us!

Here's a story from that time period that is also worth reading. History continues to repeat itself! The Limits of Madness by Martin D. Weiss, Ph.D. 12-01-03 For the first time in many years, I was speechless. I didnât know what to say. It was Thursday evening, on Thanksgiving. My wife Elisabeth, my son Anthony, plus other family members stood around the dinner table, gazing at me patiently, waiting for me to open my mouth. But I was mute. My problem was simple: Elisabeth had asked each of us to say a few words about what weâre thankful for. But by the time my turn came around, all the more important things in life �" health, happiness, and love �" had already been covered by the others. Little did they realize, during those moments of silence, that a torrent of thoughts was flashing through my mind, most of which I will share with you now ⦠THE TRUE PESSIMISTS Some people on Wall Street seem to think Iâm a die-hard pessimist �" that I have nothing to be thankful for. They call me a âperma-bearâ for ânever recommending stocksâ or âChicken Littleâ for âpredicting one disaster after another.â Well, I have news for them: Iâve been recommending stocks throughout the bear market and throughout the recent recovery. The main difference is my stocks went up; most of theirs went down and are STILL way down from their peaks. As to the disasters �" the dot.com bust, tech wreck, bankruptcy crisis, accounting scandals, and broker scandals �" guess what! They happened. But thatâs all water under the bridge. Right now ⦠LOOK AT WHAT THE âOPTIMISTSâ ARE SAYING! The so-called âoptimistsâ say Fed Chairman Greenspan will continue holding down interest rates, and Congress will continue spending us into prosperity. They say no one has to worry about �" or deal with �" the ballooning federal budget deficit, the record trade deficit, or the huge debt burden of millions of consumers. They think the sinking dollar is âno big deal,â and we should âjust let it fall.â They donât seem to give a darn that your interest income has been reduced to a pittance. Nor do they seem to care very much about the havoc inflation can wreck on your retirement. They tell you ânot to worryâ about the threat to your Medicare or the danger to your Social Security �" let alone to the other retirement benefits that were promised to you. Worst of all, they seem to think thereâs no significant connection between the shaky pillars of our economy and the equally shaky pillars of our society �" falling educational standards, deteriorating public health, broken families. And they say âMartin Weiss is a pessimistâ?! Give me a break! WHY I AM REALLY A DIE-HARD OPTIMIST A few seconds had gone by, and I could smell the Thanksgiving dinner spread out before me on the table, still steaming from the oven. Anthony looked at me expecting a profound �" or humorous �" statement. But I kept my words to myself and pursued my thoughts in silence ⦠I am an optimist because I love my country. Yes, I see trouble ahead, but I disagree vehemently with the idea that our society is going down the tubes. All of the trends we are witnessing today �" fiscal irresponsibility, massive debt build-ups, and social malaise �" are part of a single, growth-at-any-cost megatrend. But theyâre coming to a head. And when they do, we will confront them. We will resolve them. And we will move on to better and safer times. Admittedly, we are half mad, always pushing ourselves to extremes, to the limits of our technological and economic capacity. This week, for example, the U.S. Commerce Department announced that the economy spurted forward at a breakneck speed of 8.2% per year �" a phenomenon largely driven by government tax cuts and spending. Sounds great, right? But at the very same time, Moodyâs, one of the worldâs leading credit rating services, announced that, if our government continues cutting taxes and spending without restraint, the United States of America could lose its triple-a credit rating! Thatâs not good. Not even close. THE LIMITS TO OUR GOVERNMENTâS MADNESS Fact is we are NOT on the right path. But there is a LIMIT to how far we can go down this path, and, sooner or later, we WILL reach that limit. Thatâs when we will rise to the occasion, make the sacrifices, and move on. Take the budget deficit and inflation, for example. In other lands and in previous times, deficits and inflation could run amuck, almost without limitation. Kings or queens �" presidents or prime ministers �" had almost unlimited power to temporarily inflate their economies. They could print paper money to their heartâs content. They could destroy their currency, drive millions of citizens into abject poverty, invite wars of ruin ⦠even threaten the world. Youâve probably heard the stories about the German hyperinflation during the Weimar Republic, before Adolph Hitler rose to power. Thatâs when it took three TRILLION German realmarks to buy just one U.S. dollar. Thatâs when their paper money was so utterly devalued people needed wheelbarrows to cart their cash around. Once, a man parked his wheelbarrow of money in front of a store while he shopped. When he returned, he was shocked to discover that it had been stolen. More shocking, however, was the fact that all the money bundles were left behind, stacked neatly on the ground. Even the thief knew that the wheelbarrow had more value than the worthless bank notes. Plus, last week, I told you about the currency destruction that I personally experienced in Brazil as a young boy �" and how, over the years, their money was devalued by a factor of one quadrillion (a thousand trillion) to one. These are vital lessons from history we must learn, and we seem doomed to learn them the hard way: Our government today is running up its debt at a rapid pace, just like the previous governments of Brazil and pre-Nazi Germany. Our leaders seem willing to sacrifice our strong dollar in order to keep the people happy and stay alive politically, much like the leaders did back then. But, as I also told you last week, the United States is not Brazil. Nor is it Weimar Germany. Indeed, there is one, all-important, structural difference that separates those episodes of hyperinflation from the United States of today: THE DEBT MARKET Unlike Brazil and Weimar Germany, we have a huge, powerful, fully developed debt market. They didnât. A debt market is where investors buy and sell government bonds, corporate bonds, mortgages, bank loans, and other debts �" much like investors buy and sell stocks. As in any market, when sellers are more numerous or aggressive, prices go down. When buyers have the upper hand, prices go up. You probably know this already. But bear with me. You may not be aware of its ultimate implications. The primary hub of our huge debt market is downtown Manhattan �" in the large, cavernous trading rooms of major broker-dealers and banks like Merrill Lynch, Salomon Smith Barney, J.P. Morgan Chase, Citigroup, Credit Suisse First Boston, and a few dozen others. Plus, thereâs a secondary hub �" in Chicago. Between Jackson Boulevard and Van Buren Street, the Chicago Board of Trade runs a 32,000-square-foot trading floor where, every day, they buy and sell futures contracts representing billions of dollars in U.S. government debt �" Treasury bonds and Treasury notes. About nine blocks to the north-northwest, the Chicago Mercantile Exchange operates two state-of-the-art trading floors for futures on Eurodollar deposits, Treasury bills, and other debt instruments �" also with billions of dollars changing hands each day. My point is this: The U.S. debt market is not just a small entity that exists on the periphery of our society. Itâs embodied in massive, tangible structures of concrete, marble, steel, and glass ⦠housing tens of thousands of staff ⦠and handling far more money than all the worldâs stock exchanges put together. Every day, millions of investors �" individuals, companies, cities, states, pension funds, universities, churches, and foreign countries �" buy and sell the debts in these huge markets. And every day, the market value of these debts goes up or down, depending on the supply of new debts being offered ⦠depending on the willingness of investors to buy them ⦠or ⦠contingent on the zeal of investors to get rid of their old ones. This goes far beyond the realm of money and finance. The debt market �" particularly the market for U.S. government bonds �" also serves as a de-facto POLITICAL FORUM, a place where U.S. government officials must ultimately answer for their sins. How? Itâs similar to what you saw recently in the stock market. Remember how wayward CEOs and CFOs faced their day of reckoning? Remember what happened to THEM when major accounting scandals were revealed? Investors dumped their shares like hot potatoes. Almost immediately, the companies either changed their ways or were smashed by the market forces. Heads rolled. Some CEOs were even marched off in handcuffs. A similar fate awaits wayward officials of the U.S. government �" but for them, it will be in the bond market. Sounds bad, doesnât it? But actually itâs a very good thing. Because it means there IS a LIMIT to their madness. You see, in other eras and other places, if you were unfortunate enough to lend your money to a reckless, irresponsible government, your choices were minimal: Youâd usually have to wait years until the bond matured. Then, if they paid you back in worthless money, tough luck! Unless you wanted to join a revolution, there was really nothing you could do about it. Today, thanks to the giant debt market, itâs another story entirely. FIRST, YOU DONâT HAVE TO WAIT. If youâre angry as all heck about the ballooning federal deficit, the threat of inflation, the sinking dollar, Medicare, Social Security, and anything else for that matter ⦠or ⦠if youâre worried the clowns in Washington are going to stiff you with cheaper money ⦠you donât have to just sit around and gripe about it. You can sell your bonds and get all or most of your money back at almost any time, almost any day. SECOND, POLITICS IS NO ISSUE. You donât have to hire a lobbyist. You donât have to run down to Washington to bang an angry fist on the desk of some faceless bureaucrat. You donât even have to wait for the next election. All you have to do is pick up the phone, call your broker, and utter one four-letter word: âSell!â THIRD, THE CENTER OF POWER HAS SHIFTED. Millions of people own bonds today. They own them directly in their IRAs, brokerage accounts, or trust accounts. Or they own them indirectly through a mutual fund, an insurance policy, a pension fund, or even a bank account. Any one of these investors or institutions has the power to utter that same four-letter word. SELL! This is so, so important. If you get nothing else out of my weekly âMartin on Monday,â you must get this. Because it means that ⦠THE ULTIMATE POWER TO DECIDE THE FATE OF OUR COUNTRY HAS BEEN TRANSFERRED FROM THE HANDS OF POLITICIANS INTO THE HANDS OF MILLIONS OF PEOPLE. THANK GOD! This ultimate power is more powerful than laws, even more powerful than the now-defunct gold standard which, in the old days, used to restrain how much paper money governments could print. And if youâre thinking the American people have never exercised that power, think again! THE GREAT BOND MARKET REBELLION OF 1980 The president was up for re-election, just as he is now. The economy was shaky, much as it is today. Except â¦. instead of a Republican in the White House, we had a Democrat �" Jimmy Carter. Whether Democrat or Republican, however, you would have expected him to do everything in his power to pump up the economy, make the people happy and get himself re-elected, right? Youâd think heâd do very much the same kinds of things President Bush is doing now, right? Indeed, the LAST thing youâd expect from Washington �" then or now �" is a hard right jab to the underbelly of the economy. Yet thatâs exactly what Carter gave us. He called in Fed Chairman Paul Volcker. Volcker slapped Draconian controls on virtually all forms of debt and credit created in America. They imposed stiff controls on credit cards, making it difficult for the average cash-poor American to spend a dime. They slapped controls on bank lending and business borrowing, making it hard for most companies to invest, hire, or buy raw materials. They even slapped controls on money market mutual funds, making it impossible for them to sell any more shares in existing funds. Within just a few short weeks, the economy was plunging. Gross national product nosedived. And Carterâs chances for re-election were forever doomed. Ronald Reagan became our next president. And the rest is history. âBut why,â you ask? What invisible, mysterious force could have possibly driven a Democratic president ⦠up for re-election just months away ⦠desperate to pursue his vision of the world for another four years ⦠to suddenly and deliberately sabotage an already-shaky economy? Was he possessed by aliens from outer space? Did he go bananas? Not quite. Hereâs how it happened: In 1979, the government was pumping up the economy with easy money and rampant government spending. Inflation was heating up. So, millions of people who had invested in U.S. government bonds were spooked ⦠and angry. They called their brokers. They uttered that powerful, four-letter word. And the market price of U.S. government bonds �" especially long-term bonds �" crashed. It all came to a head in February of 1980. The Soviets had invaded Afghanistan. There were rampant fears of another expensive arms race. Inflation was soaring into double digits. And the bond market crashed again. In desperation, a delegation of major New York bond dealers �" including Merrill Lynch and Salomon Brothers �" made a pilgrimage to the White House. A few hours later, a dozen powerful Wall Street men in three-piece suits sat before the president in the Oval Office. I donât know exactly what they said, but hereâs the gist: âWe have a message for you,â they declared to Carter. âThe message is from the millions of government bond investors in America and all over the world. You know �" the people who have been loaning you the money you desperately need to run this country.â âOh, really?â Carter asked solemnly. âWhat are they saying?â âTheyâre saying theyâre fed up with the governmentâs reckless spending and with the inflation thatâs destroying the value of their bonds. Theyâre saying theyâre not patsies and they wonât sit back passively when theyâre paid back with worthless dollars. Their message to you is simple: âEither you end the inflation now �" RIGHT now �" or weâre not lending you any more of our money.ââ Carter was stunned. âIs it really that bad?â âNo. Itâs worse. Now, these investors arenât just refusing to buy your new bonds. Theyâre also SELLING back the OLD bonds they bought previously ⦠dumping âem on the market in torrents. That drives their prices down and the interest rates you have to pay through the roof! Thatâs why your 30-year Treasury bond has plunged to a meager 50 cents on the dollar! Thatâs why youâre going to have to a whopping 13% interest for long-term money, over 16% for short-term money!â Carter still didnât get it. So the delegation from Wall Street explained further. âLook! Your Treasury bonds are crashing in value. No oneâs buying âem and everyoneâs selling âem. Weâre having trouble selling even a small lot of $5 million. Itâs getting so bad, bond dealers like us are getting ready to quit.â âWhy should I care?â âBecause you canât survive without us. We are the ONLY ones in the world who can sell your bonds to the public ⦠to raise the cash you need. And now WE ARE SHUTTING DOWN. Weâve lost so much money holding inventories of your Treasury bonds weâre running out of capital. We canât afford to be your dealers any more. Weâre going broke!â âBut what do you want me to do?â âYouâve got to stop the value of the dollar from falling, end the inflation �" even if that sabotages the recovery.â âBut what about the election next November?â Carter asked under his breath. âForget about next November. Unless you can convince bond investors that youâre going to end this inflation, you wonât be able to borrow the cash you need to meet government payroll next WEEK! The entire government will have to shut down �" right now.â THE NEXT BOND MARKET REBELLION Finally, Carter got the message. And thatâs when he gave Fed Chairman Volcker the green light to do whatever he needed to squash the inflation �" even if that meant squashing the economy too. Can something like this happen again? You bet it can! Fast forward two decades and three years �" to December 2003. Once again, government spending is running amuck ⦠Once again, Wall Street is beginning to worry about the consequences (remember what Moodyâs has just announced!) ⦠Once again, bond investors are getting ready to start selling ⦠And when they do, GOVERNMENT BOND PRICES WILL CRASH AGAIN! Ultimately, the president and the Fed Chairman will face the same stark choices that Carter and Volcker did in 1980: Stop the fiscal madness ⦠or ⦠shut down the government! I have no doubt they will choose the former. I am also very hopeful that it will be just the first of many steps to confront and resolve the Medicare crisis, Social Security crisis, and others that loom in the not-too-distant future. But alas, our leaders will probably not start to make the right choices until AFTER theyâre up against a major, life-threatening crisis. Thatâs the nature of the beast. They push it to the limit, and then they change their ways only under extreme duress ⦠* when inflation is already surging toward double digits ⦠* when the dollar has been beaten down to painfully low levels ⦠* when foreign investors are dumping their U.S. investments by the boatload ⦠* when sky-high interest rates are strangling the U.S. economy ⦠* And when the bond market has been beaten down so dramatically, the market mechanism itself is on the brink of shutting down. Itâs a frightening, maddening scenario. But be thankful that there is a limit to the madness. It WILL end �" and for the better. In the meantime, be sure youâre protected �" And hold onto your hat. Itâs going to be one heck of a ride. " A link that might be useful: www.moneyandmarkets.com/the-limits-of-madness-8841

I wish I would have read these first. Recently we hired Gracewood Enterprises (AL Phaneuf) for some general wood work around a window in our home. The home is currently under contract so we’ve been doing different fix up jobs on behalf of the new homeowners. I've never had a worse experience dealing with an individual. I really don’t know where to begin explaining his incompetence, his inability to produce receipts, the unacceptable product and a proposal (Not a contract) that AL Phaneuf charged $400 more than authorized to a credit card. Well the ineptitude started after AL Phaneuf quoted a job where he would be repairing some wood rot and trim around a living room window. After his reassurance of keeping the window resemblance similar to the adjacent windows and completing a quality job he asked for a check for $500 up front for materials (Our first mistake where he is still unable to provide receipts). He was given the check, left and then never returned to observe, check on his staff or approve the completed product. Upon completion by his staff the window looked nothing like the others and the bottom portion which use to open was covered and now inoperable. Without viewing the many before and after pictures it’s difficult to explain how horrible, with no similarity this looked. AL Phaneuf never checked on the job, attempt to remedy the mess or work anything out to make the job presentable. AL Phaneuf main concern was to get the remainder of his money and move on. With that said after the $500 up front (Did I say that was our first mistake) and a proposal that said $900 AL Phaneuf charged $1300 to the credit card without permission for the additional $400. After a conference call with AL Phaneuf and the credit card company the unauthorized $400 was disputed and AL Phaneuf was unable to walk off with that too. AL Phaneuf then showed up unannounced at the house (unlike when his staff was working or to check the completed version) demanding $1000. We don’t know where the $1000 number came from and he was told the credit card company was in the process of disbursing him the $900 and we had no control of when that would happen. Again he was asked for receipts for the $500 up front where he said “I have them” and then indicated the $500 was a deposit. AL Phaneuf keeps changing his confusing story as this would have only left $400 plus materials. When it was suggested that this is not what was discussed or on the proposal he became verbally aggressive demanding money and was asked to leave. The local law enforcement agency was made aware of the situation where they suggested calling if he returns back to the property and a trespass warrant could be executed on AL Phaneuf. After dealing with all this we then needed to have the job by Gracewood enterprises completely redone as it now would not pass the home inspection. Our family went on to hire a competent contractor who pointed out how the wood rot was still present and just covered up to conceal it; daylight was also visible through unsealed openings in the frame (pictures were taken before and after by the real estate agent). It was also in the opinion of the competent contractor and only an opinion that at very most $200 in wood was used (maybe this is why we still haven’t received receipts). I would just like people to know Gracewood Enterprises and Al Phaneuf did an atrocious job at our home, he was very disrespectful, angry and oblivious of the difference between a job proposal and an actual signed contract.

Johnny, You don't need luck, but I'll wish you luck anyway. You have a stronger power than luck on your side, and he'll provide all you need, one way or another. 14 acres is awesome! We live on 14.4 acres, and the though of having to tend a garden (you're getting into farm-size now) that big would be overwhelming. I'm grateful you have the tractor and tools that you do have. Since a large portion of our land is woodland, we don't even mow 14.4 acres, much less attempt to plow, plant, cultivate, water and harvest that much land....not to mention having to plant cover crops and compost crops to improve the soil. I have come to know you well, I believe, through this forum, and I am confident when I say you can do this. I am at the point of believing you can do anything. I thought of you and your root cellar issue when I was flipping through the catalog of Johnny's Selected Seeds a couple of evenings ago. They have a "thing" they sell that helps a small farmer turn an ordinary, insulated room with an AC unit into a cold storage room. Maybe something about that idea will give you some food for thought, so I'll see if I can find that page in their online catalog/webpage and link it. Here it is: The Coolbot For anyone who is not familiar with Johnny's, it's main orientation is and always has been towards small farmers. They offer tools and techniques aimed at everyone from market growers to small farmers to home gardeners. Their catalog is a growing guide all by itself and I sometimes hang onto them for years as the special growing info on each type of crop is invaluable. I don't think you can buy one single gardening book that is as helpful as the JSS catalog. Their website is just as useful, but I like having the catalog in my hand....and I always find something in it that I want or need too. Dawn