The City Mouse in the Country

    Well I don't consider myself a homesteader in a strict sense, I often find that homesteaders often ask questions about income and financial matters.  This article is to address a bit of confusion about how a home equity loan works and why home improvement is a secret weapon you can take advantage off.        You should always consult a tax and licensed financial advisor in your area. That being said, I am a licensed and bonded insurance agent and have over 20+ years of banking and financial experience and offer this advice freely.               I'm standing outside the house with a tape measure in my hand and marking off an area roughly 24 feet wide (7.3 M) by 24 feet long.  It's roughly the area of a two car garage.   The current garage we have is internal and used more for storage than anything else.   It's a tight space for one car.     Rates will be going up soon and it makes sense to lock in a home equality loan now while the market for homes is still high (our

    This entire past weekend had been dreary.  We are in the midst of a cold front that has brought a steady soaking, cold and misting rain that soaks into you very bones.  It is a good weekend for making a good and hearty soup and other foods to warm your soul.     While it is not cold, our high was barely above 60 F (16 C), it was cold enough at night for us to start the pellet stove to warm the house and to start thinking about soup.   It particular there was one soup that I came across that got me interested in making it.         Even the name of it, Brie and Cheddar Apple Beer Soup , got my mouth watering.        I had also came across an interesting recipe for Eggnog Cheese , and while not quite ready to tackle that (I don't have a proper press), I certainly thought that I could make my own Eggnog !       Eggnog is one of those things that I would drink all year round, either "leaded" or "unleaded."  Although there are a lot of different ways to make eggno

     In the last post I asked if I hated living in the country. I answered with a pretty subjective "No."  There are parts of it I am not fan of.  One of the reasons I agreed to move to the country is that I was hoping to make a change in my lifestyle.     I've never been afraid of hard work, I used to work 60 hour weeks right out of college when I worked for an engineering firm.  I've owned my own company in one form or another sine 2008, which has supplemented my main income and padded both my retirement savings and paid for vacations.  I have discovered however that hard work in the country is not the same of the hard work of a city mouse.   However, I'm tired and burned out.   I find myself wanting to retire more and more and enjoy my time here and now.  Full retirement for me is still twelve years away and age 70 would probably make more sense.      Given another year, both cars will be paid off in full as well as a personal loan.   Within two years, our

      I have every reason to put off this piece for another week or two, however later on this month – August 28 th in fact – it will be one year since Sue and I moved back to Pennsylvania.    Although I did not start my blog officially until over a month later as I tried to make sense of my “change in lifestyle .”   Plus, there were a lot of boxes to unpack and things to organize.      People that I know are asking me “Do I hate it here/there?” a lot.    I’m sort of surprised by how often it’s asked of me.    Am I that much of a “City Mouse?” A little advert for our realtor      Truthfully I don’t hate it here.    I don’t like things about living in the country.    For example, I don’t care that I live forty five minutes away from a decent Chinese Restaurant, shout out to the Fortune Star by the way.    There is simply a lack of variety out here.  Nor do I like that the nearest hospital is twenty minutes away.    I’m not happy about not being able to find a decent radio station –

 Recently we lost power when the transformer blew across the street.  We were without power for about five hours.  Another day we went without power for about two hours due to a fierce thunderstorm.  As luck would have it both these instances occurred when I was off of work (I work from home on a semi-permanent basis) and during the day.             As such, they proved to be not much of an issue, however it did give me time to test the generator, which has been setting out on our covered back porch awaiting this very opportunity.              Only it would turn over, but not start.  That could be due to a variety of reasons but old gas in the carburetor would seem the most likely culprit however.  It would also be the easiest fix to the problem.            I would simply have to open up the carburetor drain screw , let the old gas drain then make sure to tighten the carb drain screw then let the new gas flow in and try it.   It should start right up.                     Only we h

     Earlier in the week, I finally managed to get most of the house pressure washed.   This has been something that I’ve wanted to do for some time and kept getting put off due to weather, other commitments and God knows what else. Getting the green off!      Notice I said “ most” of the house.   I was only able to reach about seven or eight feet into the air.   So nearly all the second floor of the home is still in need of a good cleaning, I didn’t have the right tools to go any higher.          To do that, I would need a steady ladder and a longer hose.   Two things I don’t currently have but will be resolved shortly (probably by the time I publish this).   It’s just two more things to add to my growing collection of things.    The accumulation of things is something I'm trying to avoid but that's another post for another time.      I’ve owned homes before, both here In Pennsylvania and in Florida.    Over time I have managed to build a nice collection of hammers, wrenche

       When you own a home or any piece of property, you realize how much you don’t really know.    You become a plumber, an electrician, a landscaper and a painter.   You become, or are forced to become, a lot of little things as part of being a homeowner.   It’s in the fine print of that contract you signed.        I thought about that and 1001 little things during the last few days.  Recently my riding lawnmower needed a blade replaced, which I replaced with mulching blades, only for me to hit a hidden root with it again – on a tree that was scheduled to come down this weekend.   Now the mower assembly will not engage at all; shutting down the whole machine.   We have to have it repaired for the second time within a week.       I thought about how the summer thunderstorms moving through our area all this week were turning our “dry creek bed” project into a very wet, very muddy issue.   I’m also realizing that this is why I should have put a landscape barrier down (to help preve

           What makes you fall in love with a house?  Is it the layout, the square footage, the way the sunlight dapples the floor?  Susan and I fell in love with our house for a lot of different reasons.   We loved the wood burning stove and hard wood floors.  We loved that we had roughly 2.5 acres of mostly wooded land.  Sue loved that the kitchen, although small, had original Amish handcrafted wooden cupboards.   However I fell in love with the house when I was walking through the backyard and realized that the small "creek" that flowed between two hills and away from our house was not a natural feature at all.   It was a drainage ditch that looked natural and drained the water into the sewer system out by the road..     It was man made, I could see where the cut for it began at the top of the hill and had been obscured by some underbrush.   I would trace its path down along the hill and how closely it followed the lay of the land.        Someone long ago dug it to keep th

   You, lucky reader, are in for a treat today.    The post was actually written before the Easter Holiday and varied in length, detail and focus.   While not a Christian, I felt that going into the pagan origins of tthe Holiday would upset some people for example.   However at the end of day you have to post something, even if your nat happy with it.  This post deals mainly with my disappointment in not getting to power the house with my generator even once so far since buying the damn thing.   That post is below. Although we did starts remodeling the bathroom over the Easter weekend by ripping out the ugly blue carpet that was in it.    We discovered mostly neutral linoleum under that which, surprise, is in good shape. It’s still ugly and will still get replaced, but it will work for now.    Happy belated Easter, and you can read a bit more about my holiday here .     "Oh Bother" said Sue, looking outside.  "I'm afraid my Easter decorations will blow al