The City Mouse in the Country

 There is an old saying that goes something like " You can never really own the land, you are only borrowing it from future generations." The exact quote escapes me at the time of this writing.  However the sentiment holds true.   We are considering the possibility of buying our next door neighbors one acre lot. At one time Harvey, who long time readers of this blog know was helpful when we first moved into our home, lived there. However the property and the trailer he lived in where showing signs of falling apart; when he moved unexpectedly the property fell into further disrepair.  For the past year or so, it has simply been empty. Susan and I are considering buying it.   Partly because we can put another trailer on the land to rent if we wish, as the plumbing and electrical wiring is all ready in place and we don't believe the current property is worth saving.  That of course, means tearing the old one down. Rents in our area are actually below the national average an

In 1906, Alfred Henry Lewis stated, “ There are only nine meals between mankind and anarchy. ” His observation has been echoed by people ever since and changed a bit over time, but has remained a stark warning. Only anarchy the way most people think of it rarely occurs.  We have found that people are more likely to band together when their communities face some sort of disaster, be it from war, plague or natural disaster.   We are all too familiar with pictures and videos of communities digging through the rubble of bombed buildings searching for survivors...but how many of us remember the moments during the Covid epidemic of people singing from their balconies?   When you have a community; people will always help people.  Despite these bleak times the things that make us human - our compassion - will see us through. Recently my life changed due to issues with a car .  While, in the scheme of things it was a minor crisis it did make me think if things could have been done differently,

      When I sit down to write something, I do so for two reasons; the first is that yes, I want to remember my thoughts and feeling about a particular moment in time, so in some ways this blog serves as my journal.  The second reason is that I hope to impart some knowledge or information on.  In the hope that you, gentle reader, might learn something new or, more likely, avoid the mistakes I make.        I leave that decision up to you.       Thus, in some ways you can blame our youngest cat, Bobble, for our upcoming spending a lot of money on window's and other home improvements.       Our first winter in Western Pennsylvania was not really that bad.  This year it seemed we had weeks of sub zero temperatures and several feet of snow.  Our house was physically colder.   Now if your wondering why I'm blaming the cat then please read on dear reader.      Bobble was born in the early spring of last year, so he's still a kitten come winter.  A kitten with very sharp claws and

    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

     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

      Even though at the time of this publication no one is asking for a sequel, I thought I would share some simple financial tips that can apply not only to Homesteaders, but anyone really.          A lot of this may sound like common sense, a lot of it may sound obvious.  However you would be surprised at exactly how many people don't take advantage of what's at hand because they are so used to doing things in a certain way that they get trapped.  We feel like we have to work this job, or feel that we have to go to this store or buy that product.       So before I get into this a little background about me, I've been doing financial sales and service for over 25 years and have worked for companies like PNC Bank, New York Life, the IRS and 3M.  That being said, even though I am a licensed Insurance agent, always talk to a local financial advisor in your area.  Nor is this a solicitation for business.     First piece of advice I have for you is that when talking to a fina

      I want to talk about making money on a small homestead.   Yes, it can be done.   Now that being said what the hell do I know about about homesteading or making money?     Actually not much about the first, but quite a bit about the second.   My whole life I've been in banking or financial sales of one sort or another.   Making money really isn't that hard, it's just that what is available is either misunderstood (life insurance for example) or somehow hidden away (ask your banker for rates on a No Penalty CD it's like a savings account but with a higher interest rate).      Sometimes it takes research, sometime it takes time to learn a new skill or just someone to point you in the right direction.     So I thought I would throw out a few ideas that I see mentioned time and time again on various Facebook and Reddit pages dedicated to "homesteading."  How do I make money?       What is actually being said is "I have a beginning and I have a end.  It