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Lion · 20 April 2009, 01:48 PM

Caroline, I think you have a good plan. Now you and hubby need to stick to your plan and continue the extra payment amount!!!

Happy B'day!!!

BonnyLass · 20 April 2009, 03:41 PM

I'm so jealous! I can't wait to move out of my apartment that I pay waaaay too much rent for (in DC) and buy a place of my own! Now I feel a little guilty about the prospect of buying my first antique Rolex!

away36 · 20 April 2009, 07:29 PM

Quote:

Originally Posted by Carolina

Forgot to mention - I locked in a 4.625% fixed refinance on Thursday!!!

Quote:

Originally Posted by Lisa

Geez! I haven't been following the rates lately, but that's AMAZING!

We've been hacking away at our mortgage too. Buying this house so late in life was a challenge. The mortgage was a 25 year one. Al has been working his butt off for the past 9 years, doing extra jobs on the side etc and we've been making double mortgage payments every year since we got the house. One year Al made 3 payments a month, but that got to be pretty tough after a while.(we decided that eating was an expense we couldn't do without! LOL) Anyway, the end result is that we are currently at 5.5% and with 10 mortgage payments left, we'll have paid the 25 year mortgage in 10 years.

Carolina · 20 April 2009, 09:49 PM

Quote:

Originally Posted by away36

We've been hacking away at our mortgage too. Buying this house so late in life was a challenge. The mortgage was a 25 year one. Al has been working his butt off for the past 9 years, doing extra jobs on the side etc and we've been making double mortgage payments every year since we got the house. One year Al made 3 payments a month, but that got to be pretty tough after a while.(we decided that eating was an expense we couldn't do without! LOL) Anyway, the end result is that we are currently at 5.5% and with 10 mortgage payments left, we'll have paid the 25 year mortgage in 10 years.

Wow - you guys rock!!

Lisa · 20 April 2009, 09:49 PM

Nancy, that rocks! One more reason to be impressed as heck at you.

Lisa · 20 April 2009, 09:51 PM

Quote:

Originally Posted by BonnyLass

I'm so jealous! I can't wait to move out of my apartment that I pay waaaay too much rent for (in DC) and buy a place of my own! Now I feel a little guilty about the prospect of buying my first antique Rolex!

Oh, don't worry about that, Bonny. You said you were 29? I think you ought to be enjoying stuff like Rolexes now....

What kind of vintage are you considering?

Carolina · 20 April 2009, 09:51 PM

Quote:

Originally Posted by BonnyLass

I'm so jealous! I can't wait to move out of my apartment that I pay waaaay too much rent for (in DC) and buy a place of my own! Now I feel a little guilty about the prospect of buying my first antique Rolex!

My sis lives in DC, and if I recall, she pays a bit more for her apartment than I do monthly for my mortgage!

Lisa · 20 April 2009, 09:52 PM

Quote:

Originally Posted by Carolina

My sis lives in DC, and if I recall, she pays a bit more for her apartment than I do monthly for my mortgage!

So did my brother when he lived near Los Angeles.

What are housing prices like in DC? I shudder a little to ask!

Carolina · 20 April 2009, 09:57 PM

We are in the process of getting short and long term disability insurance through hubby's employer. I was just reading the terms, and mentioned was the fact that the "disability" needs to happen while "not working for profit" for it to be covered. In other words, it can't be a work injury? What exactly does this mean? Is hubby covered if he is injured driving somewhere during the work day? What about if he is walking through a job site and someone drops a hammer on his foot? Is there some sort of stop gap coverage (such as workman's comp) that fills that void? Is this standard for employee coverage?

C'mon - my husband spends 60 hours a week at his job. I am alternating between ticked off and worried.

Carolina · 20 April 2009, 09:58 PM

Quote:

Originally Posted by Lisa

So did my brother when he lived near Los Angeles.

What are housing prices like in DC? I shudder a little to ask!

I do not know, but Bonny might!

Carolina · 20 April 2009, 10:00 PM

Whoohoo!

I just saw that Bank of America, as well as a few other banks, posted a huge (news anchor's words) profit for this quarter. That is great news, both for the many people I know who are employed by them - and our economy.

Lisa · 20 April 2009, 10:01 PM

Quote:

Originally Posted by Carolina

We are in the process of getting short and long term disability insurance through hubby's employer. I was just reading the terms, and mentioned was the fact that the "disability" needs to happen while "not working for profit" for it to be covered. In other words, it can't be a work injury? What exactly does this mean? Is hubby covered if he is injured driving somewhere during the work day? What about if he is walking through a job site and someone drops a hammer on his foot? Is there some sort of stop gap coverage (such as workman's comp) that fills that void? Is this standard for employee coverage?

C'mon - my husband spends 60 hours a week at his job. I am alternating between ticked off and worried.

Is that because worker's compensation would cover that kind of injury or disability?

Carolina · 20 April 2009, 10:04 PM

Quote:

Originally Posted by Lisa

Is that because worker's compensation would cover that kind of injury or disability?

Boy, that's what I'm hoping as I guess the company doesn't want a person to be compensated from two sources?

Lisa · 20 April 2009, 10:09 PM

Quote:

Originally Posted by Carolina

Boy, that's what I'm hoping as I guess the company doesn't want a person to be compensated from two sources?

Oops - Next time I'll read though your posts completely before coming up with my inspired and knowledgeable responses, C.

Doi!

Carolina · 20 April 2009, 10:11 PM

Quote:

Originally Posted by Lisa

Oops - Next time I'll read though your posts completely before coming up with my inspired and knowledgeable responses, C.

Doi!

What?! Your response made sense to me - now I'm more confused.

Lisa · 20 April 2009, 10:13 PM

Quote:

Originally Posted by Carolina

What?! Your response made sense to me - now I'm more confused.

You had already thought of the "stopgap coverage" but I missed that part of your post and said the same thing... as if you hadn't already thought of that.

And now, back to leer... er, look, at that pic of Colin once more!

Carolina · 20 April 2009, 10:17 PM

Ahhhh. Maybe I'll go look at Colin as well!

Lisa · 20 April 2009, 10:41 PM

Quote:

Originally Posted by Carolina

Whoohoo!

I just saw that Bank of America, as well as a few other banks, posted a huge (news anchor's words) profit for this quarter. That is great news, both for the many people I know who are employed by them - and our economy.

Yay - that's my bank!

Carolina · 20 April 2009, 10:42 PM

D'oh. I just realized that I was reading the terms of the short term disability contract. In that case, I'm pretty certain that workmen's comp is the stop gap in that situation ( ie 15 days - 3 months).

Carolina · 20 April 2009, 10:44 PM

Bleah - I must go and take care of shopping and chores.

Rockrolex · 20 April 2009, 10:54 PM

Quote:

Originally Posted by Lisa

So did my brother when he lived near Los Angeles.

What are housing prices like in DC? I shudder a little to ask!

Quote:

Originally Posted by Carolina

I do not know, but Bonny might!

Trust me, you don't want to know. I'll just say they're not as high as in California, but a lot higher than south or west of here.

I haven't checked recently, but a typical 4 BR 2 1/2 BA house in the relatively close in suburbs (< 20 mi. from downtown) will be in the $500K - 800K range. The local real estate books are still showing houses in the 7-8 figure range. 2 BR Condos in desirable areas are in the high 6 figure - low 7 figure range.

BonnyLass · 21 April 2009, 01:34 AM

I agree with Rockrolex. Real estate in the DC area is outrageously overpriced. Even small efficiency condos in the city can range from 2-3-400k. I'm from central Fl originally so, in comparison, it just seems like I'll never be able to own something here.

BonnyLass · 21 April 2009, 01:37 AM

Quote:

Originally Posted by Lisa

Oh, don't worry about that, Bonny. You said you were 29? I think you ought to be enjoying stuff like Rolexes now....

What kind of vintage are you considering?

Hehe, I agree that I need to enjoy the little things like Rolexes now! I'm looking at a rose gold round one from the 1910s!

Carolina · 21 April 2009, 04:53 AM

Leo, David:

Can I grow a Knockout Rose bush in a large clay pot? Will it winter successfully? I'm trying to relocate 2 remaining bushes.

Lion · 21 April 2009, 05:48 AM

Quote:

Originally Posted by Carolina

Leo, David:

Can I grow a Knockout Rose bush in a large clay pot? Will it winter successfully? I'm trying to relocate 2 remaining bushes.

Caroline, from what I read on them you can grow them in pots in your hardiness zone. Depending on your minimum winter temperature you might have to mulch the pots to keep the roots from freezing. The plants are really meant to be grown in the ground because they want to grow up to 3'-4' tall by 3'-4' wide(they can be grown like a hedge). Also in summer if grown in pots you will need to water probably everyday. For more information you can just Google Knockout Roses....

Here is one link: Http://www.theknockoutrose.com

away36 · 21 April 2009, 05:52 AM

Quote:

Originally Posted by Carolina

Wow - you guys rock!!

Quote:

Originally Posted by Lisa

Nancy, that rocks! One more reason to be impressed as heck at you.

Well, it's a little easier when there's no kids running around your feet demanding luxury items like food, clothing and education.

away36 · 21 April 2009, 05:57 AM

Quote:

Originally Posted by Carolina

We are in the process of getting short and long term disability insurance through hubby's employer. I was just reading the terms, and mentioned was the fact that the "disability" needs to happen while "not working for profit" for it to be covered. In other words, it can't be a work injury? What exactly does this mean? Is hubby covered if he is injured driving somewhere during the work day? What about if he is walking through a job site and someone drops a hammer on his foot? Is there some sort of stop gap coverage (such as workman's comp) that fills that void? Is this standard for employee coverage?

C'mon - my husband spends 60 hours a week at his job. I am alternating between ticked off and worried.

Caroline, I think this is how it works at my workplace..........if I needed long term disability.....first Workman's Comp covers me....when that runs out....Government Employment Insurance takes over, and when THAT runs out, my own employer steps up to the plate.

daveathall · 21 April 2009, 06:12 AM

Quote:

Originally Posted by Carolina

Leo, David:

Can I grow a Knockout Rose bush in a large clay pot? Will it winter successfully? I'm trying to relocate 2 remaining bushes.

Just found this Carolina.

Quote:

Roses have roots that need at least 18 inches depth in a container so a window box would not be deep enough. However if you can get a pot that is 18 inches deep then you could grow a nice rose in it. There is a rose called Knock Out which would do very well in a pot plus it is cold hardy. All you would have to do is just wrap it with bubble plastic or anything that would keep the pot from freezing solid. Then you could keep the rose through the winter and it would get bigger and have more blooms the next summer. Buy some potting soil and mix in with it a bag of steer manure. This gives the roots something to feed on plus you get good drainage which is important for a plant in a container. Then sprinkle some slow release fertilizer, such as Osmocote 14-14-14, all around the base of the rose and this will slowly release each time you water. The fertilizer is good for 3 months and that is all the rose will need until the next spring. If you can't find the rose Knock Out then just get a floribunda rose that appeals to you. Don't get a hybrid tea because although they are beautiful, they are much harder to grow in a pot as they don't like containers. Hope this helps.

Source;

http://en.allexperts.com/q/Roses-732...ntainers.htm#b

Hope this helps.

redshirt1957 · 21 April 2009, 06:18 AM

Some six foot and four foot examples in our front yard. Just took these a few minutes ago.

Lion · 21 April 2009, 06:28 AM

Joe, very nice PICS of the roses and Thanx for sharing!!!

20 April 2009, 01:48 PM	#5881
Lion "TRF" Member Join Date: Jan 2009 Real Name: Leo Location: Midwest Watch: GMT-II 16710 PEPSI Posts: 21,461	Caroline, I think you have a good plan. Now you and hubby need to stick to your plan and continue the extra payment amount!!! Happy B'day!!! __________________ SS GMT-II 16710 PEPSI(Z-serial#) THE ONLY DIFFERENCE BETWEEN MEN AND BOYS IS THE PRICE OF THE TOYS!!! MontBlanc Meisterstuck Doue Silver Barley MontBlanc Meisterstuck Solitaire Doue Signum Proud Card Carrying Member of the Curmudgeons.....Yikes!!!

20 April 2009, 09:57 PM	#5889
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	We are in the process of getting short and long term disability insurance through hubby's employer. I was just reading the terms, and mentioned was the fact that the "disability" needs to happen while "not working for profit" for it to be covered. In other words, it can't be a work injury? What exactly does this mean? Is hubby covered if he is injured driving somewhere during the work day? What about if he is walking through a job site and someone drops a hammer on his foot? Is there some sort of stop gap coverage (such as workman's comp) that fills that void? Is this standard for employee coverage? C'mon - my husband spends 60 hours a week at his job. I am alternating between ticked off and worried. __________________ . .Member #5380 .

20 April 2009, 10:00 PM	#5891
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Whoohoo! I just saw that Bank of America, as well as a few other banks, posted a huge (news anchor's words) profit for this quarter. That is great news, both for the many people I know who are employed by them - and our economy. __________________ . .Member #5380 .

20 April 2009, 10:17 PM	#5897
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Ahhhh. Maybe I'll go look at Colin as well! __________________ . .Member #5380 .

20 April 2009, 10:42 PM	#5899
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	D'oh. I just realized that I was reading the terms of the short term disability contract. In that case, I'm pretty certain that workmen's comp is the stop gap in that situation ( ie 15 days - 3 months). __________________ . .Member #5380 .

20 April 2009, 03:41 PM	#5882
BonnyLass Member Join Date: Apr 2009 Location: Washington DC Posts: 63	I'm so jealous! I can't wait to move out of my apartment that I pay waaaay too much rent for (in DC) and buy a place of my own! Now I feel a little guilty about the prospect of buying my first antique Rolex!

20 April 2009, 09:49 PM	#5885
Lisa "TRF" Member Join Date: Sep 2007 Location: oklahoma city Posts: 15,741	Nancy, that rocks! One more reason to be impressed as heck at you.

20 April 2009, 10:44 PM	#5900
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Bleah - I must go and take care of shopping and chores. __________________ . .Member #5380 .

21 April 2009, 01:34 AM	#5902
BonnyLass Member Join Date: Apr 2009 Location: Washington DC Posts: 63	I agree with Rockrolex. Real estate in the DC area is outrageously overpriced. Even small efficiency condos in the city can range from 2-3-400k. I'm from central Fl originally so, in comparison, it just seems like I'll never be able to own something here.

21 April 2009, 04:53 AM	#5904
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Leo, David: Can I grow a Knockout Rose bush in a large clay pot? Will it winter successfully? I'm trying to relocate 2 remaining bushes. __________________ . .Member #5380 .

21 April 2009, 06:18 AM	#5909
redshirt1957 "TRF" Member Join Date: Sep 2007 Real Name: Bubba Location: Bitsyville! Watch: Blue YM today! Posts: 10,053	Some six foot and four foot examples in our front yard. Just took these a few minutes ago.

21 April 2009, 06:28 AM	#5910
Lion "TRF" Member Join Date: Jan 2009 Real Name: Leo Location: Midwest Watch: GMT-II 16710 PEPSI Posts: 21,461	Joe, very nice PICS of the roses and Thanx for sharing!!! __________________ SS GMT-II 16710 PEPSI(Z-serial#) THE ONLY DIFFERENCE BETWEEN MEN AND BOYS IS THE PRICE OF THE TOYS!!! MontBlanc Meisterstuck Doue Silver Barley MontBlanc Meisterstuck Solitaire Doue Signum Proud Card Carrying Member of the Curmudgeons.....Yikes!!!

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