Fathers Day Blessings

It was a wonderful Father's Day full of blessings.  While grooming the forest, my two assistants attempted to police the area of unwanted critters.

Then the day dived when I looked at my wrist for the time and discovered my watch was missing.  How to find "a needle in a haystack".   Luck has it that a shiny object appeared after three hours of backtracking my steps and the watch was found.

A prior Father's Day gift, I was in mourning when I discovered it missing and the high probability it would never be found. 

The bonus was an grill out with the girls (and Paul too!) and the very thoughtful present of a new leather satchel (briefcase) to replace my 30 year old Coach briefcase that has traveled the world.

Like an old wallet - it's tough to give it up.

Boston Legal #11

Last night was the eleventh "Boston Legal" evening hosted by KC.  Chops, Cigars and Cinema.  The movie choice was a 1993 Robert Duvall classic "Wrestling Ernest Hemingway".  It was the most appropriate choice given the past history of viewings about life, mission, character and the journey. 

Duvall's character, Walter, reminded me of my barber Fausto Ferrari (see Blog entry "Same" 4/6/10). I've missed getting my haircut from him for the past six months and pray that he is doing ok. 

The real message of the evening was what will the three of us be like as septuagenarians?  This movie was littered with great old guy quotes.  My favorite:

Walter:  "You have to pee too?

Frank: "I'm 75 years old.  I always have to pee."     -----   Feed the fish :) 

Heaven Board #13

Memorial weekend is now booked forever in my memories with the wedding of Jenna and Paul (5/27/17).  What a wonderful event fully planned and implemented by Susan.  Not to overshadow the Friday night graduation of Ellen (5/26/17).  This will definitely be a milestone year.  Even two of my nieces gave birth to two new children this year.

There are endless stories that this weekend generated (and maybe future blogs).  However, my moment of tears happened during the soloist singing of the Lord's Prayer at the end of the church service.  Her voice filled Hyde Park United Methodist Church in a way that everyone was stunned to silence in an awestruck moment of reflection .  Jenna purposely broke the silence to clap and a tidal wave of appreciation filled the church.  It was exclamation of the holy moment of matrimony and the heavenly AMEN!

Well -  this qualifies for another Heaven Board #13 -  Holy Memorial Matrimony

Two Apple Sticks

This weekend was a wonderful Mother's Day celebration with family and friends.

Saturday, my project was to plant two Apple trees with the help of A.M.  Sadly, the middle tree of the three original apple trees (Heaven Board #3) planted Sept. 2011 died last winter. It just didn't seem right to have only two based on my blog's symbolism.  So....  with the expertise of A.M., I chose to plant a Yellow Transparent Semi-Dwarf tree but in a moment of buyer temptation I added an additional Golden Delicious Dwarf to the orchard.

How appropriate just before the family expands (May 27, 2017) with Jenna getting married to Paul.   Now four important relationships in my life.  How fun it will be to watch them grow from sticks to bearing fruit. 

So call this Heaven Board #3A (the A for addendum). 

Frugal Spender Rewards

Lately I have been watching the various credit card solicitations that I have received in the last 4 months.  Yes.....  I fell prey to the new customer incentive and signed up for yet another credit card to get the bonus 60,000 rewards points (American Express who I had vowed never to open another account with them - another long story about customer service).  Now my credit cards total over 10 not including Department Stores.

Rewards points is today's version of S&H Green Stamps of the 60's.  The 1200 stamp booklet was worth about $1.20 (about a tenth a penny a stamp) and redeemed for merchandise.

The very nature of maximizing your rewards points is a game with every credit card provider to get you to use their card and/or link it to various merchants.  The rewards vary from 1% to 5% depending on merchandise category, activation, dates, and even volume of purchases (bonus points). The newest "5% war" by the credit card companies shows the vary nature of intense competition.

The economist in me says that this is another indication of inflation.  This "rebate" will be captured in either customer fees, interest rates, or passed on to the merchants who will raise prices to cover the merchant fees. 

Who are the winners and losers?  Those who pay attention to category bonuses, incentives, and pay the card balance monthly will win.  The losers are those who carry balances, pay in cash (where no discount is provided), or use a single credit card.

So the general rule of points still applies.  Each point (assuming a point is $1 of purchase) is worth a penny to five cents.  Now the average American (as of 2009) has about $50K in spending per year with 60% that own their own home and their average credit card debt (2010) is $5K.  So.....if you put 80% of your spending on a credit card and get an average 2% back - that is worth $800 per year in rewards points.

PS - For the obsessed Statistician who wants to know every statistic go to www.creditcards.com.

 

Coffee Please

Well my frugal gene kicked in today (some call it cheap) and I decided to look at the coffee budget for the family.  Susan has loved the convenience of buying on Amazon and I can see why they have over 50% of the ecommerce.  Amazon provides great order history (since inception) so it was very easy to review the last years of coffee purchases for the household.  What I wanted to do was compare pricing to Sams Club and Kroger. But it led me to another place - my own personal coffee consumption.

I reviewed orders for the household for the last 16 months from Amazon-  over $800 and almost 1300 cups.  I supply my office from the household inventory in addition to buying at Kroger.  But how could our household possible consume 1300 cups (over 80 per month)?

I personally average about 1.5 cups of coffee a day.  So assuming coffee every day that would be 548 a year or 46 per month.  At an average of 50 cents a cup that habit is $274 per year (and I suspect I'm low).  Now add the variables of coffee at restaurants, Starbucks, and coffee shops and you begin to get a picture of how much an individual spends on coffee.

I can only imagine the cost for an individual that only drinks Starbucks and possibly their exotic beverages.   Clearly a good reason for why Starbucks market cap is $87.8 Billion. 

Crossroads Church uses coffee during services and  a liberal policy of coffee anytime as a form of identity and branding ("We don't sell things").   I remember Brian Tome saying in a service that the annual coffee budget for Crossroads exceeds $100K.  Now that's a lot of cups of fellowship.

So what's the funny fugal finale?    Give liberally to the church ..... and you will receive coffee.

Carting Balls

It was a great weekend with R.M. and friends with a road trip to Keeneland.   Plenty of food, drink and fun.  The only challenge was the seven holes of golf in the cold rain on Saturday.  Naturally, I had not played golf in the last two years so my performance was the worst of the four. 

The jabbing and kidding was in full steam from the moment my spiderweb clad golf bag was loaded in the car.   UGH.... said T.F. this is the heaviest golf bag I've ever picked up!  How many $%#$ balls do you have in the bag?  Well with my performance you just never know :)

A quick inventory of the bag after returning was evidence that I was prepared for any course and could maybe store some balls outside of the bag.  Thank goodness for golf carts!