9 Random Things On My Mind Or Going On – What’s New With You?

It’s a good thing that the days get longer in summer because you need every minute of light and then some.  It’s funny because I have found my ‘falling asleep before bedtime’ spot, which happens to be on one of the couches in the living room.  If you see me heading to that couch anytime in the evening, it’s a sure thing that I’m going to fall asleep.  Here are some random things on my mind that I wanted to share.  Let me know what you think and what’s going on with you.

  1. The mad rush of special events is coming to a close.

    -Starting with Mother’s Day, it’s one opportunity to celebrate after another, which doesn’t end until Father’s Day (which is often delayed from a celebration standpoint).  In between those two we have my wife’s birthday and both kid’s birthday, plus we also have a lot going on with the end of the school years, dance recitals, and everything else.  Don’t get me wrong, we love celebrating every single milestone, but when they come so fast and furious all at once, we have to remind
    ourselves to stop and take a breath so that we can really enjoy and make the most out of each special event.

  2. Orlando.

    What to say about the tragedy in Orlando that hasn’t already been said?  I think one thing that many people need to realize is that there’s not one thing to blame that we can grasp and use as a fix.  It’s not just an ISIS thing.  It’s not just a guns thing.  It isn’t just a mental health thing.  Shutting down the borders or taking away the guns or re-opening the institutions are not individual solutions.  In our complex world, there are so many variables with seemingly new ones popping up all the time.  And, what’s scary is that the ever growing polarization is not going to get us closer to figuring out how to stop these events from happening.  I’m dreading the day when we have to try to explain this to our kids.  So far we’ve been able to keep them insulated, but at 7 and 5, we’re running on borrowed time.  This thought gives me sadness on so many levels.

  3. The Costco credit card switch is almost upon us.

    I have never seen so much publicity over a credit card, but the days are nearly here.  We’re pretty much prepared.  I think there are just a couple of small automated payments that my wife needs to redirect, and I’m also thinking of creating a laminated cheat sheet that we can carry in our wallets to direct us on what card we should use to maximize our rewards.  We have a few different cash back cards, now it’s just a matter of maximizing our value!

  4. A possible culprit in my battle against eczema.

    -The other day I went to take a load of clothes out of the washer.  All would have been well except it never got ran.  When I reached in for the clothes my hands came in contact with Oxi Clean, which we use as a supplement for our clothes.  It wasn’t even five seconds in and I felt the familiar burn.  I’m thinking that maybe this is some pretty harsh stuff, and maybe even coming into contacts with clothes, sheets, and towels that have been washed in it have been aggravating my skin.  Perhaps it’s time for a ban?

  5. Amazon price matching policy

    Here’s a tip, if you want Amazon to adjust a price, don’t use their online chat capability.  Technically, Amazon does not have to match a deal if you find a better price after you make a purchase, but they often will as a courtesy.  No such luck when I found an item, on their own site, $20 cheaper less than a week after I made the purchase.  I had two online agents refuse to help and one even ‘hung up on me’ or whatever the equivalent would be for an online chat.  Not to be deterred, I initiated a phone conversation, and this went much better.  They didn’t give a refund, but we have a $20 credit on our next purchase.  That’s good enough for me!

  6. Basketball dreams

    Our son wanted a basketball hoop for his birthday.  These things are something else to put together.  I started, and am about 1.5 hours in.  I figure I have at least another 2-3 hours of work.  Then once we get it in place (it’s one of the portable models), we have to determine how to anchor it.  They want you to fill it either with sand or liquid (it’d be antifreeze in our case) but many people weigh it down by piling sand bags or something similar on top.  Filling it looks better, but piling stuff on it is easier, plus I’d think that emptying it would be a royal pain.  So, we’re not sure on the approach yet.  Any ideas?

  7. Homeowners association

    I served on our board for the last two years but declined to run again.  There’s a very cliquey group of people (think high school) that love to ‘run the show’ from a social standpoint, yet they refuse to run for the board.  It bugs me that they make many requests of the board, yet never include the board members in the social events, so I decided to take a break for at least a term.  I am still working on updating content on the website, which nobody else really knows well.  Since it’s WordPress based (like my blog) this is pretty easy.

  8. Anyone else nervous about the stock market?

    The market had a pretty nice run after the beginning of the year crash.  It seems like the market really loves the low interest rates that are seemingly now just standard policy.  But I’m a bit nervous, as I can’t imagine that will last forever.  Plus, the debt that all of the Central Banks are creating are injecting money that is being used to push the markets higher,mb-2015-06-fire but it’s still debt and what happens when that needs to be paid back?  Or does it? Who knows?  But in any case, it’s a bit scary to me.  It seems like we’re in a situation where everything is hunky dory….until one day it’s not.  I’m not going ‘bearish’ but I’m definitely keeping a watchful eye.

  9. Camping season is upon us.

    One thing that we’ve settled into is our routine for camping.  This is our fifth year with our trailer, and we now have a pretty good routine going.  We did one trip for Memorial Day, and we have another trip coming up this weekend.  After that we have two weeklong trips and a few more weekend trips.  Summer is short in Michigan so we try to pack it in!

Readers, did you  hit the ground running for summer?  How are things looking for you?

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

15 Summer Activities For Kids That Won’t Break The Bank

Summer isn’t here officially but the weather says it is.  We have one kid who has finished pre-school and already started summer break, and our other will be done in less than two weeks (he’s counting down the days *lol*).

It’s important to keep kids entertained, active, and engaged, so here are some things that we are planning to get us through the summer.  Not only are these fun, but many of them are free or very low cost!

  1. Flying Kites In The Park

    There’s a lot of parks nearby, but for some reason there’s one that we tend to go to when it’s time to fly a kite.  The kids love it and we will hopefully get to do it more than once or twice!

  2. Go To The Beach

    There’s a nearby beach that we can get into for a $35 annual pass.  On warm days, this is used A LOT!  This summer will be fun because there are two sides to the lake, a shallow side and a deeper side, and I suspect that our kids may want to be in different ends.  Fun!

  3. Cheap Baseball Tickets

    A new baseball stadium was built about 10 minutes away.  It’s not even a minor league team, but is instead an independent league of three teams that take turns playing each other.  Nobody will recognize the players, of course, but with tickets starting at $6, this is a no-brainer! And if there are no teams nearby, you could always get a glove or two and throw a ball around yourselves!

  4. Taking Care of the Vegetables

    The kids each got to pick out a vegetable at the farmer’s market this year.  They’re planted and growing, and they’re looking forward to seeing them grow and yield veggies!

  5. Playing In the Water

    We have a small pool, a water table, sprinklers, and water guns that are great for a few hours of fun on a hot day.

  6. Playgrounds and Play Dates

    We have a few great playgrounds at parks that the kids love, and are still interesting enough even for our older child (who is 7).

  7. Reading

    Our 7-year old son loves to read.  He has a few different series of books already and I know he’ll enjoy some downtime with a book in his hand…just like I remember doing at that time!  Our youngest isn’t old enough to read yet, but hopefully we can continue to steer her that way by getting her books she can look through and that we can read to her.

  8. Camping

    We have camping reservations throughout the state at different times across the summer.  The kids are definitely building memories that they’ll carry with them for life.

  9. Visit the Zoo

    The Detroit Zoo is one of the favorite stops for our family and we just renewed our annual membership!mb-2016-06-beach

  10. Stop at the Museum

    We have a great museum called The Henry Ford that has an indoor museum and an outdoor museum, so we can go year round.  We just renewed this as well!

  11. Visiting Grandparents 

    Our parents both love having the kids over, and hopefully our kids will get some well deserved time to be spoiled and loved in ways that only grandparents can deliver!

  12. Vacation Bible School

    -Our son went last year and really enjoyed it.  This year, both kids will be going and will both be in classes that contain people they already know!

  13. Activity Camps

    Each kid has an activity camp that lasts a week for a few hours per day.  Our daughter is going to a dance camp, and our son will be doing a robotics camp.  This one steps outside the bounds of frugality more than many of the others, but these are the things that they look forward to for months in advance.

  14. Making Crafts

    The kids both love art.  It’s good to have some stuff to do indoors on really hot or rainy days.

  15. Doing Nothing

    -I’m a firm believer that kids need a good deal of unscheduled time, so they’ll have some of that!

What do you have lined up for your kids this year? Any suggestions to add to our list?

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

Why Thursday Night Is Pizza Night (For Now)

Tonight is pizza night for us.  And Thursday nights will be for a while, at least the next couple of months.  And, it all has to do with….swim lessons!

How Swim Lessons Beget Pizza Night

Both of our kids have attended a not-for-profit co-op preschool during their age appropriate years.  In order to keep tuition low, they do various fundraisers, and the biggest one has always been a silent auction held in March.

One of the items that has always been donated is a month membership to a nearby swim school.  We have bid on it and been lucky enough to win every year.  It usually saves us a bit of money for at least the free month compared to the regular tuition, plus we get some accessories like goggles and such.

This year, we found ourselves with two month passes to use, as we won both last year and this year, and hadn’t yet used either one.

Both of our kids have had great times and learned a lot there, so we decided to enroll them each in swim lessons.  This worked out great because you can only use one month per child.

As it so happened, we were able to schedule their lessons at the same time, which is 4:30pm on Tuesday.  This means a pretty mad scramble to get ready and get there after our son gets off the bus at 4pm.

My wife and I both like to go and watch how they’re doing, plus at their ages (6 and 4), getting them cleaned up and changed afterward is definitely easier when you split the duties.

The lessons are about half hour, and by the time we’re done getting everything ready, often another half hour or so has passed.  This puts us squarely at dinner time.

The crook in the story might be getting heartburn from his pizza
The crook in the story might be getting heartburn from his pizza

My wife and I decided, in a pretty short conversation, that pizza would be a great fit for Thursday nights.

Simple Is Fine

We’re not fancy when it comes to pizza, so we have a few different options on the way home.  We like Little Caesar’s, either the $5 round or $8 deep dish pizza.  Last week Domino’s had a coupon code where we got 50% off, so that’s what we had.  We also have Papa Romano’s, Papa John’s, and Pizza Hut all on the way or not too far off the direct path.

If needed, we’ll order the pizza in advance and pick it up so that when we get home, all we do is throw together a salad.  Then, we’re eating in no time!  This is especially good with children who are hungry after their swimming!

The tradition won’t last forever.  We anticipate that we’ll run the lessons through May.  By that point we’ll start getting busy with camping trips or other summer activities.  Eventually,  so  the Thursday pizza night tradition will fade.  But, for now it’s definitely a fun little family tradition, and not too expensive at all!

Readers, do you have any ‘regular’ meals that stem from other things going on in life?   

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

Money And Health: Money Should Never Be Top Priority

Money is important.  I don’t focus this blog exclusively on money or finance related articles, because I’ve been doing it for quite a few years now.  I just don’t have it in me to crank out post after post about why everybody needs an emergency fund or how to get a mortgage.  Those are great topics.  But, there’s so much more, including some hard looks about money and health.

Sometimes it takes life to remind you that while money is certainly important, it isn’t your number one focus in life.

The Phone Call

A week ago Sunday, the family was out for breakfast when my phone rang.  I looked and saw it was my parents.  I sensed something was odd because we typically don’t talk during the daytime hours.  We usually reserve our chats for the evening so that it’s a good chance that everybody is home and settled in.

I answered and when talking to my dad immediately knew that something was wrong.  It turns out that my step-mom had been taken by ambulance to the hospital.  She had developed sudden shortness of breath and had a hard time breathing or talking.

mb-2016-03-ambulanceI talked to my dad for a couple of minutes to find out if her breathing had been better when they took her (it was), if she was responsive and coherent (she was), whether my dad wanted me to come get him (he didn’t) and what hospital she was being taken to.

Shortly later, I dropped the family back at the house and drove to the hospital.

The Tests

When I got to the hospital, they directed me where to go and once I got there, they were running the first test of the day, a chest X-ray.

I was able to say hi and see that she was breathing but definitely shaken up by what was going on.  My stepmom is not one to complain, so we knew that this needed to be checked out.

I found a little bit more info as to what had happened, and around this time, they took her for her second test, a doppler scan on her legs.  She had developed blood clots about two years ago, and was on medication for about six months afterward, and it seemed that was the suspicion that they were leaning toward.

After she got back, an ultrasound tech came in and did a detailed scan of her heart.  You could tell that she was quite interested in several areas as they can take ‘snapshots’ and she was there for quite some time.

After this, they came in and told us that they suspected that she had blood clots and that they think some had traveled to her lungs.  They wanted to do a CT scan to test, and she was taken away for that.

When she came back, we talked to them about family history where my stepmoms sister had a similar situation, but had bleeding on the brain that was not diagnosed, and she ended up not making it when they treated the clot and the brain bleeding worsened.  (Different hospital, FYI)  After hearing this, they took her for a second CT scan to check out her head.

Treatment: The First Hours

The diagnosis was confirmed with all of the tests.  She had lots and lots of blood clots on her lungs.  Because the lungs weren’t able to take as much oxygen as needed into the blood, the heart was overcompensating.  Her blood pressure was 170/120 and the resting heart rate was around 130.  This was dangerous to heart.

The treatment option was to insert a catheter into her body and have it go through her body to her lungs.  She would be infused with clot busting medication that would basically be administered at its source.  It’s an aggressive treatment plan with quite a few risks that basically tie back to that if you have bleeding anywhere on or inside your body, it’s going to get worse.  But, the scans and such showed that this risk was minimal, so they advised this to avoid potential damage to her heart.

The importance of doing this sunk in when they told us that they had to page the team to come in to do this procedure, as it was a Sunday and the staff was not there.  I think it home for me at that point just how close of a call this was.

But, the procedure took about two hours and everything went as expected.

Treatment: Night 1 through Day 3 

She was moved to the ICU and we were allowed to see her.  At this point it was around 7pm, roughly 9 hours after she got to the hospital.  Almost right away, you could see that the numbers were improving.  Still, they had her on the infusion medicine as well as regular liquids and also other blood thinning medicine.  She had at least six different machines all clicking and thumping and beeping, and it didn’t allow for much rest.

Early the next afternoon, the administration of the infusion meds was complete.  As the doctor said, the numbers told the story that it was working, as her heart rate and blood pressure were completely normal.  The catheter was taken out, and about 2/3 of the machines were taken out.

They kept her in the ICU for another day until she was moved to another room.

Treatment: Day 3 – Day 5

At this point, they began stepping down her treatment.  By Day 4 they switched her blood thinning medication from an IV administered medicine to a pill.  She’ll be on that indefinitely.

One complicationdeveloped that may have extended her stay by a day or two.  It was bruising.  She’s been susceptible to bruising, and with the blood thinners, it caused bruising at many places on her body.  She had bruises anywhere where pressure had been applied during the course of her stay.  Her entire left upper arm was bruised almost from elbow to shoulder.  Since that was where everything had been done, blood pressure and such, it was very bruised.

So, they spent some time making sure that the bruising wasn’t spreading, but by Thursday morning they were pretty sure that she would be able to leave, and by Thursday afternoon she was back at home.

Money And Health: What Matters

In all this, did money matter?  No.  She’s got great insurance, having worked for a government agency for many years, and having retired with great insurance.  So, hopefully the time spent will not cost much out of pocket, but it wasn’t like my dad was even checking or it was discussed.  The goal was just to get her healthy again.

In the end, money is a priority and a very important one.  When it’s all said and done, money doesn’t matter compared to health.  You want to see your loved ones healthy.  That’s what’s important.  If we’re not healthy, all the money in the world doesn’t make a single bit of difference.  Not a penny can be enjoyed in life if we don’t have health.

This was a trying week.  My stepmom has been told that she’s not allowed to scare us like that again.  She used up her quota for a good long while!

Now the goal ist to take this as a reminder to make sure to cherish what’s really important.  Each other.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.