I posted in this blog last in 2017, so about eight years ago. Initially, I thought I would make this big “comeback” post and detail everything that has happened in my life since then, but I’m trying to keep this light and fun. I’ve been entrepreneurial with my websites in the past, but let’s be real: nobody is reading blogs anymore. I’m not coming back for you; I’m coming back for me. I wanted a place to journal again, and I just can’t wrap my head around a private journal. Even though I’m not looking for an audience, journaling just makes more sense to me if it’s “out there,” you know?
Ashley and I did have a whole second kid since my last post, though. About a year later, actually. Her name is Eloise (Ellie) and she is an absolutely beautiful and goofy seven-year old. Of course Lincoln is 10 now, and a total preenager. Is that a word? He’s my clone in pretty much every way which always fascinates me but also scares me for him a little, just because I know what he’s up against, haha.
My plan for this blog is pretty simple: I’m going to use it as a journal. I stripped out all the fancy design and plugins the site was using (the theme and some of the plugins had been abandoned by their developers over the years anyway) and set it up with a bare-bones minimalist template. Again, you’re welcome to read but this blog is for me. Writing has always been therapeutic for me, and a great way for me to clear my head.
I will choose to share entries with you, world, but I’ll also keep some entries private. Maybe I’ll make a “member’s only” section that only Ashley will get access to. We’ll see.
I’ve been feeling strange lately with regards to fatherhood, and I don’t have a great way to describe exactly what it is. Here’s how a typical day goes: I get home from work usually around five or six o’clock. Promptly, I’ll feed my dogs and then go next door to pick up my son, Lincoln, from my parents’ house where he spends a few hours each day after Ashley goes to work and before I get off work.
For the most part, the next two or three hours until bedtime we will spend playing, watching Elmo, eating snacks, having a bath and finally brushing our teeth while getting ready for bed. Lately, I’ll carry Lincoln up to his room at 8 o’clock sharp and I’ll hold him for a few minutes in the dark with his head on my chest while swaying back and forth — just spending a few minutes trying to wind down from the day.
Finally, I’ll put him in his crib, tell him I love him, and leave his room. He usually cries for 10 or 20 seconds or so before he’ll lay down and go to sleep. While I’m waiting for the baby monitors to go quiet, I’ll go ahead and pick up his toys and get myself ready for bed.
Once I lay down in bed, I find myself asking if I did enough for him today. Did I spend enough time with him? Did I teach him something? Were all his needs met? Did I do enough so that he knows how much I love him?
That last one sticks with me. Did I do enough so that he knows how much I love him? My answer to that question is always no. No matter how much I change up our routine, my feeling about that question remains the same. Frankly, I couldn’t even describe here what I think I’d need to do for that to change.
I stumbled onto a quote today I thought I would share:
Fatherhood demands more than you can give.
I don’t know who originally said it. Maybe it’s one of those things dads have been saying since the beginning of time, and thus really has no verifiable source. That one quote, though, describes my entire experience as a father so far. It doesn’t matter what I do, I always want to do more.
Note: I wrote this article originally nearly three years ago. Since then, prices have changed drastically on LED bulbs so I’ve applied updates to the article in blue text.
Yesterday, I finally bit the bullet and purchased my first set of LED bulbs. In the past, I’ve been reluctant to make the switch because the bulbs are extremely expensiveslightly more expensive when compared to traditional incandescent bulbs and I had always heard they weren’t as bright.
As part of the Energy Independence and Security Act of 2007, traditional incandescent light bulbs of 75-watt and 100-watt were effectively phased out around the beginning of 2013. Beginning in 2014, that phase-out will include 40-watt and 60-watt bulbs. While you may still be able to purchase incandescent bulbs between 40 and 100 watts for some time, manufacturers are no longer producing them.
For most people, this will mean a gradual shift to compact fluorescent (CFL) bulbs, because they’re reasonably-priced and different shapes and sizes are made for different applications.
Forgotten in all of this are LED bulbs. The main reason is because of the up-front cost. A typical 10-watt LED bulb (approximately the brightness of a 60-watt incandescent) currently costs about $4.50. When you were accustomed to paying 50 cents for a bulb, this can seem like sticker shock.
In reality, though, LED bulbs are the cheapest bulbs you can buy when you consider the energy savings – they’re even a little cheaper than CFL bulbs!
Depreciation Cost
The up-front cost of LEDs is scary, but when you consider that a typical LED lasts 20,000 hours whereas a typical incandescent (high quality) only lasts about 5,000 hours, and a typical CFL bulb lasts 8,000 hours, you can put the up-front cost in perspective by expressing it in terms of depreciation, which is essentially the up-front cost divided by the length of the bulb’s life. Consider the following table:
Regular 75-Watt Bulb
Equivalent 15-Watt LED
20-Watt CFL
Initial Cost of Bulb
$0.50
$4.50
$1.00
Lifespan (Hours)
5,000
20,000
8,000
Hours used in One Year (3 hours per day)
1,095
1,095
1,095
Lifespan in Years
4.57
18.26
7.31
Depreciation of bulb/year
$0.11
$0.25
$0.14
The easiest way to describe what this table is saying is this: since each bulb has a different expected lifespan, you have to find a way to put the cost into perspective. Since the LED bulb lasts about 18 years, that actually makes your $4.50 initial investment equal about 25 cents per year. This is still more expensive than the 11 cents for an incandescent bulb and even the 14 cents for a CFL, but it definitely seems less daunting. Besides, this is only part of the equation. Now, let’s consider the cost of the electricity to light these bulbs up.
Cost of Electricity
The simple math is pretty easy. The amount of lumens (think: brightness) produced by a 75-watt incandescent bulb can be achieved with 15 watts in an LED bulb and 20 watts in a CFL. It’s obvious here that LEDs and CFLs use less energy, but what does that amount to in a year, given a typical 12-cents per kilowatt-hour cost? Take a look at the following table:
Regular 75-Watt Bulb
Equivalent 10-Watt LED
13-Watt CFL
kWh per month @ 3 hours of use per day
6.75
0.9
1.17
Electricity cost per month @ 12c per kWh
$0.81
$0.11
$0.14
Electricity cost per year
$9.72
$1.32
$1.68
Now we’re talking! Almost $10 annually to run a single 75-watt incandescent bulb versus about $1.32 for an LED bulb and about $1.68 for a CFL. Now we’re starting to see where the cost-savings are coming from.
So, What’s the Bottom Line?
Now, all we’ve got to do is add up the annual cost for depreciation and the annual cost of electricity to compare the true cost of each bulb.
Regular 75-Watt Bulb
Equivalent 10-Watt LED
13-Watt CFL
Electricity cost per year
$9.72
$1.32
$1.68
Depreciation of bulb/year
$0.11
$0.25
$0.14
Total Annual Cost (energy/depreciation)
$9.83
$1.57
$1.82
Simply put: Over the long haul, the LED bulb and the CFL bulb have a pretty similar annual cost, and both are significantly cheaper than incandescent bulbs.
If they’re so similar in true annual cost, why spend the extra for LED bulbs?
This is the bigger question that most people ask. If the annual cost is about the same, then why would I spend $4.50 on a single LED bulb versus $1 on a CFL? There are a few other factors everyone should consider, and I’ll simply list them here:
LED bulbs reach maximum brightness instantly, versus about 60 seconds for a CFL bulb. This leads to a much more simple (and satisfying) transition from incandescent bulbs. This is the major thing that turns most people off from CFL bulbs.
LED bulbs are dimmable, whereas you have to purchase special CFL bulbs (and pay more) if you want them to be dimmable. I have dimmers on almost all the lights in my house. Not only are they good for ambiance, but they help save on electricity.
LED bulbs can be used outdoors in cold temperatures, which is untrue of most CFL bulbs (although again, you can pay more to purchase special outdoor CFLs).
LED bulbs do not contain mercury, unlike CFL bulbs.
LED bulbs generate very little heat, whereas CFL bulbs (especially the base) will usually become too hot to touch.
Overall, LED bulbs provide the best and most seamless transition away from incandescent bulbs. Transitioning to CFL bulbs can be frustrating, because they behave differently from incandescents, whereas the learning curve to using LED bulbs is relatively nonexistent.
Next time you’ve got a burned-out bulb in your socket, consider shopping around for an LED bulb for replacement. The cost is much easier to handle if you make your replacements one at a time. Once you’ve replaced 10 bulbs in your house, you’re saving about $90 annually on your electric bill – definitely nothing to turn your nose up at!
Man, it has been a long time since I’ve written in here. Not since my grandfather died back in 2014 have I made an entry, and I’ve had a ridiculous amount of things go on in my life since then.
Where to begin…
On my birthday in September of 2014, I was outside using the telescope my wife, Ashley, bought me while she was taking a bath. I was pretty amped-up because I was learning how to use the thing, and seeing things I had never seen before. I walked into the house to brag to Ashley about the the amazing detail I was seeing on the moon when she drops a bomb on me:
“I think I’m pregnant.”
Of course, she had actually taken a pregnancy test and knew she was pregnant. This was a shock to both of us, really. It wasn’t because we weren’t trying — we actually HAD been trying for several months and had started to resign ourselves to the idea that maybe it wasn’t in the cards for us.
So, we have a baby boy now. It’s pretty crazy. He will be eight months old in a couple weeks.
I’d like to give you the cliche “don’t know where the time has gone” comment but frankly, this has been a LONG eight months for us. To go from not being sure you can have kids to being a parent in nine months is a pretty big transformation, and call me crazy but I feel and remember every second of it in real-time.
You’re proud a lot. You’re happy a lot. You’re frustrated a lot. You laugh a lot and you cry a little (don’t tell anyone) but the weirdest thing is how life is so different every day. Just when you think you’ve got it all figured out and get yourself into a routine, everything changes.
We’ve barely scraped the surface of this thing, though. I’m really excited for what’s to come.
The Utility Industry is A-Changin’
Let’s shift gears a little bit. Work is going great! I can’t remember if I mentioned this before, but I got promoted a while back –I guess back in November of 2013. Not a huge deal, but a lot more responsibility.
Unlike 20 or 30 years ago, the utility industry is going through a major transformation. With the threat of legitimate competition from 3rd party solar generation, utilities are having to become leaner and more efficient than ever. Customers are increasingly demanding cleaner energy and cheaper energy, which of course are two conflicting ideas but it is the challenge we’ve been given.
Often times over the last couple years, I feel as much like a politician at work than just a financial analyst. There are so many interesting projects floating around, and my personality is to want to be a part of it all. I “sell” my services in the elevator on a regular basis, and I’m good at it.
“Aren’t you leading up ‘such-and-such’ project? That sounds exciting! I know at some point you’re going to need someone to run the numbers. Give me a call, sometime!”
I’m at the point in my career where it isn’t about progression or positioning for a promotion. It is honestly about me being excited to be a part of new and different things. The utility industry is a-changin’, and I love it! I love being a part of it.
We are changing the world. Think about it.
I don’t know if I’m just in the perfect industry or if I’m just the type of personality that would get this excited about any industry I found myself a part of, but it’s a fun way to be.
I got fat. I hate being fat.
I stepped on the scale last Sunday to find out that I was as heavy as I’d ever been. 249.6 pounds… let’s just call it 250. Every time I say my measurements in my head, I giggle a little bit because it reminds me of the Assistant Football Coach from Dazed and Confused:
“Hell, man. My grandmother is bigger and tougher than you pansies. Course she’s 6’3, 250. Runs a 4.5 forty.”
Coach’s grandma is a little leaner than me, though, because technically I’m 6’2.
Okay… 6’1 and 3/4. Whatever.
I’m not huge or anything, but 250 pounds is pretty heavy for anyone who isn’t freakishly tall. I’ve got an arsenal of excuses, but the reality is that I just went through a period of time where I honestly didn’t care that much. Busy with work, busy with a new baby, busy with my home business, and no cares left to give about being fat.
So last Monday I started caring again. I’m down about 10 pounds through today, one week later. Mostly water weight, of course. When you cut your sodium intake by about 75% for the first time in years, your body drops a lot of water that first week. Even still, I’m pretty stoked to have put ten pounds away from being 250 again.
I’m not dieting or anything… just watching my calories to make sure I’m not putting 3,000 of them in my body every day. Trying not to eat when I’m bored, etc.
It’s election year… so that’s always fun.
All of my friends know that I hate politics. I understand them just fine, but I hate what politics does to people. I have seen some of the nicest, most genuinely good people from my past become absolutely unapproachable due to their almost militant political views. They become so sure that everyone on “the other side” are delusional and evil that they can actually justify prejudice and hateful behavior against random strangers because of it.
I guess I’ve just always believed that everyone has good intentions when it comes to politics. Sometimes it’s hard to understand exactly how their intentions are good, but everyone wants to perpetuate what they think is the right thing to do. I always liken it to parenting. Two sets of parents might take a completely different approach to parenting, but they share a common goal of raising good and successful children. To me, most political rhetoric is like trying to convince the world that the other guy doesn’t love his kids because he raises them differently. The logic just feels insane, to me.
At any rate, I’m gearing up for a year of reading hate-filled Facebook posts and trying to bite my tongue while trying to keep my faith that human decency really is still alive and well.
For anyone taking the time to read this, just remember that you’re in charge of your own destiny. Politics can influence your odds of being successful, but the onus will always be 95% on yourself to forge your own path. Being hateful and turning your friends and acquaintances into enemies in the name of politics really doesn’t do anybody any good. These politicians wouldn’t wreck their own friendships for you — don’t wreck yours for them.
New Year, New Me
I can’t even begin to tell you everything I’m working on right now. I’ve got 34 mobile applications I’m trying to keep up with along with two websites in my spare time (which is waning as of late). I’m concentrating on professional development at work this year, leading up to some pretty big opportunities coming up in 2017 for me (more to come on those, soon), and obviously trying to be as good of a husband and father as I can be. Oh, and the weight-loss thing, too. Trying to not let political junk bother me. Trying to be a little more outgoing.
I don’t believe in resolutions. I believe in reinventing yourself as often as you need to.
Thanks for reading. Drop me a line if you want to “shoot the breeze.”
On Friday, I returned home to Iowa from a 4-day trip down to Mississippi to attend the funeral of my grandfather, who died on Saturday, June 28th.
Even when his biopsy results came in about a month ago, determining that he had a cancerous tumor on this pancreas which had metastasized to his liver, I still refused to believe it was real – that my grandfather was not going to be with us much longer. When he visited a well-respected oncologist at the University of Alabama who gave him an optimistic lifespan of 8-12 years, I was very relieved and excited, but to be honest I just felt like that’s what Grandpa deserved. He deserved to be one of the small percentage of people who lived several healthy years after a cancer diagnosis, so in a way I really wasn’t surprised to hear that this was his prognosis.
I canceled my plans to go down and see Grandpa once we heard of his good prognosis – opting to save my vacation time to be sure I could visit over Thanksgiving later this year when I knew the whole family would be there.
My mom decided to keep her plans to go down and visit, so I was comforted in knowing that I could get daily updates from her as Grandpa was set to begin his treatment.
I will spare you the details of what happened next, mostly because my understanding of the situation is vague and I don’t want to risk misspeaking to what happened. Suffice it to say that Grandpa’s health deteriorated suddenly and rapidly.
That Night
My dad sent me a text message earlier in the day saying that Grandpa had been moved to intensive care from the hospital room he had been occupying for the last couple days. I sent a frantic text to my mom (who was in the hospital with him) and she did her best to calm my nerves – telling me to try not to worry and that Grandpa had been on a lot of pain medication and the doctors were just trying to stabilize him. Heeding Mom’s advice, I did my best to keep my mind off of it.
Grandpa holding me as a baby.
A storm had rolled in to my small town in the evening, and I decided to pop a couple sleeping pills and try to get some sleep. At about 9:30, I heard knocking at my back patio door and I pulled open the shade to see my dad standing there in the dark. Now, I live right next door to my parents but it is fairly rare for either of them to actually come to my house. We both have dogs, so we see each other in the back yard several times per day. Seeing my dad at my back door after dark… I knew what he was there for.
“Your grandpa has passed away.”
It would have hurt less if I’d been struck in the stomach with a sledge-hammer. For all that had been going on, I still wasn’t expecting this. Maybe I was in denial, but I was optimistic that this recent visit to the hospital was just a temporary road bump in what would otherwise be a swift recovery. In hindsight, I can’t imagine thinking anything different – this is what the doctors believed to be true as well.
My wife and I notified our employers of the situation, and thankfully we had no problems getting the time off. Come to think of it, I’ve got a couple Thank-You cards to send for that – both of our employers essentially told us to take however much time we needed and just let them know when we’re ready to come back. It really relieved some of the stress of the situation.
By 6pm on Sunday, we were on the road to Mississippi.
The Trip
I’ve always enjoyed driving at night time when I am taking a long road trip. There’s no traffic, and it makes the whole experience more peaceful and less stressful – for me, anyways. I’m not prone to falling asleep at the wheel, and the other benefit is that I can get to where I’m going early in the morning rather than late in the evening.
I couldn’t get Grandpa off my mind for the entire 11-hour journey. I went back and forth between thinking of all the fond memories with him to trying to rationalize in my head how this could have happened – how the doctors were wrong – how his health deteriorated so quickly and nobody could see it coming.
I’ve never had such a close family member pass away, so honestly I was just in a whirlwind of emotions. What was it going to be like when I got down there? How would it feel when I got out of the car at Grandma and Grandpa’s house and I wasn’t met at the front porch by Grandpa just as I always was?
Arrival
I pulled into the driveway at Grandma and Grandpa’s house and everyone was sitting on the front porch. This is pretty typical – Grandma and Grandpa always liked to sit out there and watch for us so they could greet us right away. I sat in the car and took a few breaths to collect myself, as I wanted to be strong for Mom and Grandma and Uncle Rusty. There had been enough emotion among them over the last few days – they didn’t need me adding to it right now.
I went right up and gave Grandma a hug and told her I loved her. It was the only thing I could manage to say at the moment, even though what I really wanted to say was “I’m sorry about Grandpa – I know this is the worst pain you’ve ever felt, and I would do anything to make that pain go away.”
I went through and gave a hug to everyone on the porch – and again for my mother and my uncle, I wished I had more words. I wished I could tell them something that would actually give them some comfort – even if it had a 2% impact on their mood, I’d have said it. I’ve never been eloquent with the spoken word.
That entire day was a blur because I was so exhausted. That’s the downside of driving all night, really. You get to be a zombie all day.
Grandma insisted that Ashley and I sleep in her room, and she’d sleep on the couch. This is typical Grandma – even in a time when she’s got every right to be selfish, she will give you the shirt off her own back to make you comfortable. Usually I would battle with Grandma over this, but I wasn’t about to argue with her right now, and I couldn’t shake the idea that she really would prefer to not sleep in the bed her and Grandpa shared – at least for a few days. That was how I rationalized it, anyway.
I brought my luggage upstairs. The family had gone into town to buy flowers and make a few other arrangements, so Ashley and I had an opportunity to try to catch a nap. I walked into Grandma and Grandpa’s bedroom and I felt a weird sensation. It was one of intense sadness but also a strange closeness. Looking around the room, it felt like Grandpa was just there. His belt and suspenders were sitting on a basket next to the bed, and a bottle of antacid sat on the nightstand which he no doubt relied on as his stomach was in constant pain in his last few months. His classic bottle of Old Spice cologne was sitting on the sink in the bathroom, like it always was. His Head and Shoulders shampoo was in the shower. Again, it felt like he was just there – like I could walk down the stairs and he’d be sitting in his recliner reading a book.
I spent about two sleepless hours laying on Grandpa’s side of the bed. I hadn’t really slept in more than 24 hours and I was exhausted, but there was no way sleep was going to happen at that moment.
The Password Book
Sensing I wasn’t going to get any sleep, I decided to take the dogs downstairs so my wife could get some rest, at least. I sat down in Grandpa’s computer chair and pulled out his password book. Grandpa was really good about keeping all of his passwords and security questions written in a notebook that he kept by the computer desk.
I flipped through the book out of curiosity – also recalling that Grandma was having trouble earlier that morning getting into one of the online accounts to pay a bill. It’s amazing how much information you can glean from looking at this stuff. Grandpa’s favorite restaurant, favorite actor, favorite soft drink. Grandpa wasn’t much of a talker, and he really wasn’t keen on talking about himself. He liked to listen to people, put in his two-cents when he was requested, answer questions when asked, but he was just generally not much of a conversationalist. I found myself fascinated looking at this information, but saddened at the same time. How had I never asked him where he would most like to travel to? How had we not discussed who his favorite actor was? Grandpa would tell you anything you wanted to know – you just had to ask.
My cousin Justin arrived later that day. I only have the one cousin on my mom’s side of the family, but we were always really close as kids. We spent a few entire summers at Grandma and Grandpa’s house. We never lived close to each other, but for those summers we were best friends. We’d bicker and argue like brothers would, but we never got tired of being with each other. To this day, I refer to Justin as my brother because that’s exactly what he is to me. He was the best man at my wedding, and I look up to him today just as a did when we were kids.
Justin (left side in both pictures) and me as kids and adults.
Justin’s wife, Courtney, just had her third child maybe a couple weeks ago. It was too cool that she came as well, as I can imagine it’s not easy to travel with such a young baby. She really is the “ying” to Justin’s “yang.” I’m glad they found each other, especially in such an unlikely way – but that story is for another day.
I’ve expressed a lot of interest in our family’s genealogy in the past year, so Grandma had the idea to take me to the cemetery where the slaves were buried back in the 1800’s. I was particularly interested in that part of my family’s genealogy because frankly there was a lot of documentation on it. Last year I had obtained from the Mississippi State University library a whole package of documentation on my family – letters, lists of births and deaths from a family bible, a list of the names of every slave my family ever owned, even a list of cattle my 5th great grandfather owned.
On the ride to the cemetery, I expressed some regrets to Grandma. I told her I wished I hadn’t canceled my planned trip a couple weeks ago when Grandpa got his good prognosis from the doctor in Alabama. I told her I wished I would have called to talk to him before his health declined. Grandma assured me that I did nothing wrong, and that hindsight is always clearer than foresight. Finally, I directed the conversation to where I really wanted it to go.
“Grandma, do you know if Grandpa was checking his email over the last couple months?”
On the day Grandpa went in for his biopsy and they told him on-the-spot that they were very confident that it would be cancer, I had written Grandpa an email. As I’ve said before, I am not very eloquent with the spoken word, and I knew what I wanted to say needed to be expressed to him in writing. So I wrote him an email, basically telling him how much I admire him and how important it was to me that he knows how much I love him. I ended the email by saying: “I’ll never be half the man you are, but I am twice the man I would have been if I had never had you in my life.” I meant every word. I did not expect a response from him, as I imagined sitting around on the computer was very low on his list of priorities in his final weeks, but it was eating at me not knowing for sure if he had read it. Since he passed away so suddenly, Grandma was really my only chance of finding this out.
“I really don’t know, honey. He was getting on the computer still before his health got really bad, why?”
“Well, I wrote him an email back in May. I didn’t expect him to respond – there really was no good way for him to respond. I was just trying to figure out if he had read it…”
“You know, I do seem to remember him mentioning to me that he had gotten an email from you.”
Good enough – since it was the only email I had ever sent to Grandpa, I was satisfied that this was a good indication that he had read it. It’s hard to describe the brief joy and comfort I felt in knowing that he saw that email. I’ve always hated the idea that the nicest things that ever get said about you happen at your funeral after you’ve died. When I heard Grandpa might have cancer, I wanted to make sure he knew exactly and purely how I felt about him right away. Knowing that he knew… it just made me feel a lot better.
Visitation
Fast-forwarding to Tuesday evening, it was time for the visitation. Justin and I had spent some time pressing our suits and getting ready in Grandma and Grandpa’s room. My Grandma finally came in and took over for me, as Ashley sat and giggled at my complete inability to iron my own pants.
“You look really nice, Zachary.” Grandma told me after I had gotten my suit on.
“It’s my best suit. Grandpa deserves to see me in my best suit.”
I had a lot of anxiety in the drive to the funeral home. This would be the first time I’d seen Grandpa since Thanksgiving last year. Boy, what I would have done differently if I had known that would be the last time I would see him.
We pulled up to the funeral home and went inside. Close family members were told to come 30 minutes early to the visitation so we could have some time alone before the rest of the friends and family began to arrive. I don’t have words for what I felt when I saw Grandpa – I spent maybe five seconds looking at him before I broke down crying and had to sit down. I don’t deal with death very well for a multitude of reasons, but this was my Grandpa. He’s the only grandfather I ever knew, and I loved him with every fiber of my being. I didn’t know how I was supposed to act, so I did what came natural to me – I bawled my eyes out over and over in the two and a half hours we spent there. The societal norm is for men not to cry, or to at least try to hide it. I’ve got no qualms with it whatsoever – I just tried not to let Mom or Grandma see it. Again, I just wanted badly to be strong for them.
The Beer Run
After the visitation was over, Justin and I had mutually decided that we needed a drink. Webster County, Mississippi is a “dry county,” which means you can’t buy alcohol of any kind there. There are plenty of these scattered around the south. Silly concept, if you ask me. Just means you’ve got to waste gas driving to the next county to have a drink.
Just as our luck would have it, all the closest gas stations outside of Webster county were closed, for some reason. We ended up driving all the way to Winona to pick up a 12-pack of Bud Light. By the time we got home, everyone was getting ready for bed. With 12 people staying in the house and just two showers, it was going to be an early morning tomorrow so everybody could get showered and ready for Grandpa’s funeral.
Justin, Courtney, Ashley, and I sat in the sun-room at the back of the house for an hour while Justin and I had a couple beers and shared stories with our wives about our summers down there with Grandma and Grandpa. Our wives laughed at us when we said we didn’t want to throw the beer cans in the garbage for fear of Grandma seeing them. We’re all well beyond legal age, of course, but neither of us were comfortable with Grandma possibly seeing our beer cans in her garbage. I guess it is silly. Even still, we found a more discrete way of disposing of them.
The Funeral
6am came all too fast, and I felt sick to my stomach from the second I woke up. This was the day that I was going to see Grandpa for the last time. Most of the family went to the funeral home a bit early while Justin, Courtney, Ashley, and I stayed behind and opted to show up a little closer to the start of the funeral.
Justin and I were designated as pallbearers, so we had to be there half an hour earlier than our wives needed to be there. I got my suit on – the same suit from the visitation – and Justin had put on his service dress blues. We hopped in my car and headed that direction.
I shared with Justin that I wasn’t feeling good this morning. I had no idea what it was, but I suspect it was stress-related. Shortness of breath, light-headedness, and an upset stomach. To make matters worse, the Mississippi heat (my old friend) was especially excruciating that day. The temperature gauge in my car read 93 degrees and it was sunny and muggy. I’m not built for heat anyway, but especially not when I’m wearing a suit and tie.
We got to the funeral home and I downed several cups of water to be sure I wasn’t just dehydrated. I paced around the entire funeral home for the next half hour as I was trying to keep my composure while also maintaining whatever felt like acceptable social interaction for the occasion.
Some good friends of my parents – Scott and Colleen – had surprised us and made the 11-hour drive from Iowa down to Mississippi to attend Grandpa’s funeral. That may very well have been one of the kindest and selfless actions I’ve witnessed in 28 years of life. It spoke volumes not just about how much of an influence Grandpa had on people, but also about what amazing people Scott and Colleen are. I’m still in disbelief over that, and it warms my heart just thinking about it now. They cared so much about my family and Grandpa that they spend 22 hours traveling to and from, and spent the night in what I can only describe as a “roach motel” in Eupora (unfortunately it’s the only hotel/motel within about half an hour of town). Such amazing people.
It had come time to close the casket, so we all were given a chance to lay eyes on Grandpa one final time. I knew I would hate this part, and I did. I walked up to Grandpa and Mom came up next to me.
“Look at his hands. Remember all the things he built for you with those hands.” Mom said.
I had been stifling off my tears up to this point, but I couldn’t hold back anymore. It was painful and I just still didn’t get it. Even at 76 years old, if anyone deserved another decade of life after a cancer diagnosis, it was Grandpa. I was laying eyes on a truly great man for the last time, and it just didn’t seem fair.
Once the casket was closed, we walked over to the chapel and sat down. Pallbearers had to sit in the front two rows, so unfortunately I couldn’t sit with my wife or my parents for this part.
My Aunt Lynn began by singing a few hymns that Grandpa really liked. I had always heard that Aunt Lynn had a great singing voice, but I had never had the occasion to hear it. She sang beautifully – I knew Grandpa was proud of her.
After the preacher got up and said a few words, my Uncle Rusty had volunteered to get up and say a few words about Grandpa. First of all, I have always been amazed at my Uncle’s eloquence with the spoken word. He can stand in front of a crowd of people and speak beautifully. It is a rare gift that he has, and I have always admired it. He spoke first about Grandpa’s love for Grandma. Now, on the surface this kind of thing sounds like a given – that two people married for 56 years would love each other. Grandpa’s love for Grandma was different, though, and I’m not just saying that out of bias. My grandparents always made their love for each other their first priority. They loved their kids, grand-kids, and all their family and friends, but they had a love for one-another on such a higher level. Grandma would later tell me that Grandpa kissed her every morning and told her he loved her right when he woke up – their love was amazing… their love IS amazing.
The second thing my Uncle talked about was Grandpa’s love of building things, particularly with his woodworking. It’s hard to explain how brilliant Grandpa was, because he wasn’t one to flaunt it. His work was his art, though. It was how he would show you that he loved you. As I’ve said, he wasn’t much of a conversationalist. When he built something for you, though, you could see and feel how much he loved you. That was his outlet – it wasn’t “work” to him. It was just what he enjoyed doing. If he was running out of projects, he would start calling around and asking people what he could build for them. He never asked for anything in return, as my Uncle said.
A Cedar chest Grandpa made for Ashley and I. We briefly used it as a coffee table until we realized that it was prone to more damage if we kept it in the living room.
The service was over and it was time to go to the cemetery for the burial. The staff at the funeral home was going to roll the casket outside, and then the pallbearers would load it into the hearse. There were two Navy soldiers standing outside, sent there to play the bugle and fold Grandpa’s flag. The pallbearers lined up 3-by-3, with Justin and I having arranged to be at the front, across from each other.
When the casket was rolled outside, one of the Navy soldiers called for a salute. Justin stood at salute as the casket was rolled in front of us. I stood a bit in awe of him in that moment. I’m so proud of him, and I know Grandpa was proud of him too. I’d be lying if I said in that moment I didn’t wish I was in service blues right along with him – chips off the old block, we’d be. Following in Grandpa’s footsteps together.
Once we loaded the casket into the hearse, Justin asked if it was all right if he rode with me to the cemetery while our wives drove separately in his truck. Not wanting to sound corny, I said “Sure, that’ll be fine.” What I wanted to say was “It would be an honor.” Again, I’m just so proud of what he’s done and what he’s accomplished. I’ve always felt this way, but pride was literally overflowing from me in that moment. From the harmless troublemaker I knew as a kid, to the stoic Naval Officer I saw before me saluting Grandpa just a moment ago… it’s difficult to describe my love for this guy – my brother.
We got in my car and followed the funeral procession, spinning stories about Grandpa the whole way. Justin talked about how brilliant Grandpa was, and I mused about what I thought Grandpa might have done if he had never joined the Navy. I always figured my Grandpa would be an engineer of some sort. He had a knack for building and fixing things, he understood schematics very well, and I believe he was also very gifted with math. I wouldn’t change for a second the career Grandpa chose in the Navy, but it was fun to imagine what he would have done otherwise.
After about 20 minutes, we arrived at Edwards Springs Cemetery. Edwards is Grandma’s maiden name, and I was so happy that Grandpa was going to be buried there. As we would joke around later – this was Grandpa’s final effort to keep Grandma happy.
We got out of the car, and the sun was beating down. I had felt progressively worse throughout the morning, and felt very sick to my stomach at this point. Justin and I joked that I just need to get Grandpa from the hearse to the burial site, and then I was free to pass out. Thankfully, the hearse was able to back right up to Grandpa’s plot, so it looked like we’d only have to move Grandpa about 10 feet.
Again, Justin and I had arranged to be at the front of Grandpa’s casket where his head was. We felt it was fitting that, after leading and teaching us all our lives, that we would lead him in the short journey to his final resting place. He would have been proud to see us, carrying him like brothers.
The preacher said a few words, and the Navy soldiers did a fantastic job playing the bugle and folding his flag. I teared up when the one soldier dropped to one knee and handed the flag to Grandma, thanking her for loving and supporting him and thanking her for his service to our country.
And that was that. We walked off and had a meal at the church (which I briefly had to excuse myself from as my upset stomach nearly reached a breaking point), and the healing process was set in motion.
Post-Funeral
Ashley and I went back to Grandma’s house a little early so I could take some Tylenol and lay down. About 20 minutes later, everyone started showing up from the church. One of Grandpa’s sisters, Aunt Margaret, sat down in the living room with Ashley, Grandma, and me. Aunt Margaret talked and talked about the Blackston family, and I just soaked it all in – rarely saying much. It amazes me for how quiet Grandpa was, that Aunt Margaret was just the opposite. She looks like him – she has the same high cheek bones that Grandpa had which also got passed down to me. I hadn’t seen her since I was a little kid since she lives in Georgia, but I loved listening to her talk. If I wasn’t feeling so ill, there are just so many other questions I wanted to ask her. Perhaps I will give her a call sometime, or write to her.
Throughout the day, the traffic in and out of the house started to thin out, and by the evening it was just the direct family members again. You could already tell there was a sense of peace slowly forming in the house. The wounds were still open, and likely will be for some time, but the healing process had begun. We all did whatever made us feel good for the rest of the day. I played with Justin and Courtney’s kids, ate some more cake (the house had been filled with food by friends and family members throughout the week), and went to bed pretty early.
On Thursday, Justin, Courtney, and my dad had all left. Justin had to be in Boston on Friday for his step-dad’s celebration of life memorial, and my dad opted to head back home to take care of the yard and the animals.
Ashley and I went to Edwards Springs Cemetery to see Grandpa’s grave. Covered in Mississippi clay and flowers, and sitting in the shade of a large oak tree, it sure felt like a great resting place. It made me wonder where I’ll be buried. To be honest, I hope it is right there at Edwards Springs with my family. I feel like I belong there.
We came back to Edwards Springs again later with the whole family. Grandma was already talking about how we’ll probably have to come back sometime and put some more dirt over top of the grave once it settles – even after death, Grandma can only think about taking care of Grandpa.
Ashley and I had planned to leave that evening, so we packed our things and brought them out to the car that afternoon. We somehow found ourselves in the sun-room with Grandma, listening to her for hours talking about Grandpa. I was completely captivated at that moment, with my attention glued to Grandma. She talked about how early in their marriage, she lived with Grandpa’s mother. Grandpa would be on deployment, and he’d send $150 each paycheck back home, which was split between Grandma and his mother. That was also when she told me that Grandpa would lean over and kiss her every morning when he’d wake up, and tell her he loved her. What an amazing way to start each day.
She also talked about the tough times, too, but even most of those stories were cute. She told me about one time when she was angry with him and she told him she was going to leave him.
“Where would you go?” Grandpa would say.
“Well, you’re going to go sleep in that room and I’m going to sleep in this room, because neither one of us has anywhere to go.” Grandma told us, which made us all laugh.
“I guess if you go somewhere, I’d just go with you,” Grandpa said.
“Well you can’t do that! I’d be leaving you!” Grandma said. Again, we all laughed. Honestly I never heard my grandparents arguing with each other. If they did it, they must not have ever done it around me. I’d have liked to have seen that exchange in person, though.
Grandma told Uncle Rusty and Mom that they need to start heading back home and getting back to their lives. She said she’s got four quilts she needs to work on, and it’ll keep her busy for months. And now she won’t have Grandpa coming into her sewing room all the time saying “It’s time to eat, Mom,” or “Time for bed, Mom.” My grandparents called each other “Mom” and “Dad,” ever since I can remember. Grandma said that’s because she used to call him Charles, and when Uncle Rusty was a kid he started calling him Charles too. Since then, it’s been “Dad.”
Ashley and I actually stayed a couple hours later than we planned. I said it was because we didn’t want to drive through Memphis too early, but really it was because I was so captivated by listening to Grandma talk. I didn’t want to miss anything.
Back Home
The trip home was uneventful, and significantly more upbeat than the trip down was. Ashley and I listened to an audio book for the majority of the drive, which is something I’ve never done before. It was neat, but I guess I’d rather just read the book than listen to it.
Not an hour goes by that I don’t think about Grandpa. I’m going to miss him more than I can describe. I have developed a belief, though, that provides me a lot of comfort. I’ve decided that Grandpa is going to be around forever. His blood flows through my veins, Justin’s, Mom’s, Uncle Rusty’s, as well as Justin’s kids’. There’s a piece of Grandpa inside all of us, and there’s a piece of Grandma within us as well. They’ll be together there for the rest of our lives, and their influence will be there with us forever. Grandpa left his body behind, but he will always be with us.
I’ll end this with a quote. I don’t know who said it, but it is perfect.
“When a great man dies, for years the light he leaves behind him, lies on the paths of men.”
Life seems to be moving in fast-forward, these days. Every chance I get to make a new entry here, there has been some major development in my little corner of the world to share with the three of you who will see this.
Without further ado: We got puppies! You read that right, plural.
About a month and a half ago, Ashley finally talked me into getting a puppy. After about seven years of nagging and hounding me, I finally gave in. I had secretly been warming up to the idea over the couple of months prior, but I didn’t want to tell her because I knew then she would become so relentless that I would probably change my mind.
We saw a picture of a beautiful Black Labrador puppy in a Craigslist ad, and I was hooked. Ashley contacted the owner, and after about four hours in the car driving to Wisconsin, we were the proud new “parents” of our first puppy.
Our first puppy, Lola, the day after we brought her home.
We decided on the name “Lola” pretty quickly, mostly because of the song. You know which one I’m talking about: Lola, La-La-La-La-Lola! Anyways, she was nine weeks old when we got her, and she’s 15 weeks old today. She’s been a blast!
Since we’re both gluttons for punishment, we decided to go out and get a second puppy. Lola was starting to get too big to play with my parents’ dogs, and we rationalized that while it will be more work, we were probably going to get another dog eventually anyway, so at least this way we can get through the puppy phase all at once.
This second puppy was extremely hard to find. We scoured Craigslist, the classifieds, Petfinder, our local shelter, and just couldn’t find a Labrador puppy. Finally, we started looking at ads placed in surrounding states and found this little guy, Baxter:
Our second puppy, Baxter!
We found Baxter in Missouri about five hours away from where we live. While it was quite a drive, he was perfect for what we wanted. He’s a Chocolate Labrador, which was our preference, and he is about 10 days older than Lola. Being as Lola was 12 weeks old at this point, we were really surprised to find a puppy her age available. It was hard enough to find a Lab puppy, let alone one that survived this long without being taken!
Both of our puppies just a couple days ago.
As you can tell from the above photo, they’re both supposed to be Labradors but they’re clearly not the same kind of dog. As it turns out, Lola is a mix between a Black Lab and some other dog. We could not get the person who sold her to us to respond to our phone calls, but we believe she is mixed with a dog called a Flat-Coated Retriever. Essentially, they look like Golden Retrievers as adults except they are black. We actually ordered a DNA test for her to find out exactly what mix she is, and we’re currently awaiting the results. While that seems over-the-top, it was only $70 and it will help us understand her behaviors and how best to train her.
Other than that, I don’t really have a lot of news. Like I said at the beginning, life is moving in fast-forward right now. It’s busy, but it’s also exciting. I’m looking forward for Autumn to hit us in full-force! I’ve already started turning on my fireplace in the mornings before work to take the chill out of the air and give me a warm spot to sit and drink my coffee. Sometimes it’s the little things…
Since I haven’t made an update in a while, I thought I’d touch on a few random topics on this lazy Sunday afternoon.
Settled In and Loving the New Home
It’s been about three months since we moved into this house and I’m almost ashamed to say we’re still unpacking a bit. Of course we’ve been 95% unpacked for a couple months now, but that last 5% seems to be taking forever. That’s okay, though, because we’re in no rush.
We’re loving being next door to my parents. Having family close is a comfort for both of us at this exciting and stressful stage in our lives as we’re settling into our careers and making big plans for the near future. In today’s society, you don’t always get the privilege of being close to your family – a reality I’ve lived with ever since we moved here from Mississippi – so we’re happy to be able to take advantage of the circumstances which have allowed us to live so close to Mom and Dad.
I think my favorite part of living in a house rather than our condo is having my own lawn and plants to take care of. I believe I’ve inherited my grandmother’s fondness for gardening, and I also thoroughly enjoy getting out on a nice day and mowing the lawn. I get a lot of thinking done during that time, as the sound of the lawnmower engine drowns out everything in the world except for my own thoughts. It’s moments like that which make me realize that in the fast pace of our lives today, it is a rare opportunity for the conditions to be just right for any extended period of free thought. I wonder if this is to blame for what seems to me like a slow era in our world for true innovation.
I’ll try to get some pictures up sometime of our new home. The delay is pretty simple to explain: I never feel like our house is clean enough to justify taking pictures. We’re still adjusting to having 2,400 square feet to clean (in addition to the addition of yardwork to our schedules) rather than the 1,100 square feet of our condo.
Speaking of our condo: we sold it in about two weeks. I noticed that my last entry was discussing how we purchased our house before selling our condo, and my initial fear was going six months or more having to pay two mortgages. While we were prepared for that, it was a huge relief when someone put in a fair offer just two weeks after having it on the market.
George Zimmerman Trial
I feel compelled to weigh in on this subject, since it has been the source of intense debate recently. I want to start off by saying that minorities -and especially blacks- struggle in today’s world a lot more than non-minorities are willing to realize. As a volunteer for the Big Brothers/Big Sisters program, I have been mentoring a young black child for more than three years now. He’s truly a good kid with all the potential in the world, and for the first time since I met him, I just don’t know what to say to him about this situation. I want to tell him that if he continues to be a good person, people will see through the color of his skin and he’ll never be discriminated against. I want to tell him that. If I did, though, I’d be lying. The reality is that he will face struggles in his life that I couldn’t even begin to understand. I wish it wasn’t that way, but it is.
With all that said, I am strong in my convictions that the shear publicity of the Trayvon Martin killing does nothing to help the struggles of blacks in America. On the contrary, I think it is harmful. This situation has divided the country, and not for the betterment of mankind. It has created additional animosity among the different races, and served only to draw a line in the sand and give the majority of our population the belief that they need to stand on one side or the other. Where there was once a great deal of common ground, now there is very little. The shame of it all is that the media hand-picked this case for that very purpose. They picked this case among the thousands of other murders that took place in the last year because this one had the biggest potential for division and thus profits in the pockets of the corporations that own the media companies.
I’m not interested in discussing whether or not I “agree” with the verdict of the case. There are no winners, here. One life was lost and another life has been ruined due to that split-second decision. I believe the Martin family will eventually reflect and understand that while Zimmerman was not convicted, justice has been done. Conversely, Zimmerman will eventually realize (if he has not already) that though he was acquitted, he will never be free.
I’m going to wrap things up on that note, as I took a sleeping pill about an hour ago and my eyes are getting very heavy at this point. Hope you all have a great and balanced week! Enjoy!
In November of 2012, the house next door to my parents went up for sale and my wife and I were instantly intrigued. We joked around about buying it at first, but we had just bought a second car and decided we probably wouldn’t be able to talk ourselves into it before the house ended up selling anyway. Well, about four months have passed and the price of the house had dropped a bit over that time. My wife brought it up again, and we decided to entertain the idea, at least. Then once we did a little research and financial math, we made an offer on the home and we’re currently a little more than a week away from taking possession of the home.
First, to address the whole “living next to Mom and Dad” thing. Doesn’t bother me at all, and the entire thing was my wife’s idea, so she’s okay with it as well. Other than the selfish reasons such as easier child-care for our future children and more of Mom’s home-cooked food, I’m just happy to have the opportunity to be close to Mom and Dad. They might not live next door forever – Dad might retire in five or ten years and the folks might pack up and head off somewhere else. In the meantime, we’ll enjoy this opportunity to be close.
As I said, I had to do a bit of research on home-buying. I’ve bought a home before, but buying your first home compared to your second home is a completely different beast. There’s trying to figure out how much house you can afford, how much a bank will loan you, and of course what to do with the house you’re living in right now.
Sell First, Then Buy? Or Buy First, Then Sell?
Since I bought first, that’s really mostly what I’ll be talking about here. In reality, you should almost always sell your current home first and then buy. That wasn’t an option for me, because there was a specific house my wife and I wanted, and if we didn’t get this house, we weren’t going to move at all. We were/are quite happy with our current living arrangement.
The obvious benefit to selling first is that you avoid having to pay two mortgages at the same time. You do run the risk of being temporarily homeless if you need to close on the sale of your current home before you’ve closed on a new home, but most people find that preferable to the whole double-mortgage issue. A nice storage unit could be had for $100/month or less and you and your family could certainly find some temporary living digs either with a family member or, at worst, a motel.
Buying First: Pre-Approval from a Lender
So I wasn’t able to talk you out of getting yourself into this mess. You found your dream home and you want to make an offer on it. First, you need to obtain a Pre-Approval Letter from a lender. For most home-buyers, this would be no big deal. Not for you, my friend. Since you haven’t sold your first home, the payments you make on your current mortgage actually count against you when they calculate what’s called a “Back-end Ratio,” which is essentially all of your debt payments added together and divided by your gross income. This percentage needs to be no higher than 36%. This is where most people who are attempting a “buy before sell” transaction will hit a road block. Essentially, the bank has to qualify you for an amount greater than the two mortgages put together (exe: you own a $100,000 home and want to buy a $200,000 home. You would have to qualify for a $300,000 loan based on your income and debts).
Buying First: Reserve Requirements
Reserve requirements are something new since the last time I bought a home. In mortgage lending terms, “reserve” is an amount of cash the lender requires you to have on hand before they’ll close your loan. I’ve heard of buyers having a reserve requirement even when they sold their current home before buying a new one, but it seems to be more often required for folks who will at least temporarily have two mortgages.
The reserve that I was required to have was six months worth of mortgage payments on both mortgages. Your 401k balance actually contributes to this reserve if you don’t have the cash on hand, with the assumption being that you’d tap into your 401k before you’d allow yourself to lose your house.
Did I Mention about Paying Two Mortgages?
Paying two mortgages is going to be stressful no matter what your situation. At the end of the day, you’re paying money for a house you’re no longer living in. Even if you can squeeze it into your budget, it’s still a losing situation. In my case, I’ll be paying about $700/month for a house I’m not living in. About $100/month of that will be adding to my principle and I’ll get it back. The rest is pretty much going into a black hole. Oh, and there will be some residual utility bills for the old place as well (they like to turn the lights on when they’re showing a house for some reason).
How long will your old home be on the market before sale? It’s hard to tell. You might get lucky and sell it in a couple months, or it could take a year. I saw a condo for sale in my city today that has been on the market for about 14 months. Thankfully, most of them (and especially the ones in my area) seem to be selling within 3-4 months max. We’re crossing our fingers!
It’s not all bad…
For fear that this entry will come off too negatively, there are (of course) benefits to buying prior to selling. Obviously, you avoid the whole temporary homelessness thing. And actually, we anticipate moving into our new place will be a lot simpler. We’re taking possession on a Monday, so we’ve figured that we’ll just truck our boxes to the new place throughout the week after work and then rent a Uhaul to get the rest over the weekend. There are really no deadlines, since we’ll completely own both places. Heck, we don’t even have to move all the stuff out of our old place right away anyway. So it does make for a less stressful moving day.
When it’s all said and done, though, you accept the consequences when you want something badly enough. Money will certainly be tight for a little while as we’re paying two mortgages/utilities/etc, but we’ve done the math and it is doable. And as long as it’s doable, we’ve decided that this is worth doing.
While my wife was at work yesterday evening, I was sitting on the couch with my laptop when a commercial for Ancestry.com came up on the television. It was advertising a 14-day free trial, which piqued my curiosity. I had always wanted to try to trace my genealogy, but figured my rural southern roots would make that difficult or even impossible. My grandfather’s sister had spent much of her adult life tracing his side of the family (this was prior to the days of Ancestry.com) so I figured I could at least start there and see if I could replicate some of what she did.
The first thing I found when typing in my grandfather’s name was a US Federal Census from 1940. I opened it up, and was amazed that this was an actual scanned document with the names of my grandfather, his sisters, and his parents in original handwriting. Back in 1940, they would actually go door-to-door to collect this information by hand. I realized that the person who wrote this data down might have been sitting in my grandfather’s kitchen or living room, with my two-year old grandfather crawling around the house. It’s a weird thought, but oddly fascinating to me.
Tracing further up the blood line, I found my grandfather’s grandparents, except this time there was a picture attached to the name of my great-great grandmother. Immediately, I recognized the woman. This exact portrait has been sitting in my grandparents’ spare bedroom ever since I can remember. Theodocia Ann Virginia Blackstone – that’s a mouthful of a name! It’s also interesting that at some point in the late 1800’s or early 1900’s, they dropped the “e” off the end of the name and made it “Blackston.”
I spent the better part of the night tracing up the blood line to see how far I could get. Unfortunately, once you get into the 1700’s and earlier, you see fewer and fewer official supporting documents, so you’re relying on the accuracy of data put together by other distant relatives whose family tree crosses with yours. I traced up my grandfather’s family to England (which it was known that the Blackstone’s did originate in England). Along the way, I found some neat tidbits. There were Civil War soldiers, soldiers in both World Wars, the Revolutionary war, and even an ancestor who died at sea on a ship heading to England in the 1600’s.
Then it Got Very Interesting…
I decided to trace up my grandmother’s side of the family and was actually able to get all the way up to my great-great-great-great grandmother and grandfather with full supporting US Federal Census data proving the connection. This was fairly simple since that side of the family has been in the same area in Mississippi at least since the early 1800’s. The interesting thing about this individual, Edward DeWitt Edwards Sr., is that he is apparently the subject of local folklore because he and his son, Luther Edwards, were killed in a gunfight on his plantation in 1861. Edward DeWitt Edwards Sr. was a judge, and originally owned all the land that my small hometown of Eupora, Mississippi currently sits. He had 12 children who he parceled out his land to over the years as they became adults and married. One of his children, Edward DeWitt Edwards Jr. (his eldest son) died unexpectedly due to an illness. The incident that resulted in Judge Edwards and his son Luther’s death was over the inheritance of his deceased son’s land. I was able to find a very detailed and elaborate story of how this went about online: http://thatedwardsbunch.tripod.com/
The detailed story there is consistent with all the other renditions of the story I’ve read elsewhere (some attached to Judge Edwards’ profile on Ancestor.com from local newspapers), but I’m sure the story has been unintentionally altered over the years as it is passed down from generation to generation. But the fact does remain that the majority of these folks are buried in the Edwards Springs cemetery, so I find it fascinating to be able to trace the line from myself all the way up to Judge Edwards, and it’s even more fascinating to read some of the folklore about my ancestors (whether potentially dramatized or not).
My next step is to dig a little deeper and see how much more I can find. Looking online, there is actually a book at Mississippi State University about Judge Edward and his descendants, so thankfully somebody has done a lot of the legwork already. Hopefully I can find a way to get my hands on this book to learn a little bit more about who he was and what he was about.
I was pretty amazed at the wealth of information that’s out there to help people trace their genealogy. At the very least, a site/service like Ancestry.com can at least give you a good base to start your own independent research.
If, by chance, somebody stumbles onto this blog entry and has information/advice that can help me, please send me an email at zdfields@gmail.com . Thanks!
The first speed bump of 2013 hit me like a truck last week. Every financial analyst at the company I work for was pulled into a room (about 60 including the managers) for a conference call. Without getting into too much detail, we were told that the company had identified a lot of work being done in some areas as “non value-adding” and they were going to eliminate that work. Over the next week they were going to identify which areas were going to be overstaffed as a result of the change and unfortunately, some job eliminations would be announced.
Before I go any further, I was relatively confident that this reorganization wouldn’t impact me. Still, nobody was specifically excluded from this process and as a result it’s impossible not to worry. The thought that my group was going to be under a magnifying glass (just like all the others) over the next week was enough alone to cause concern. As expected, I was not impacted by this reorganization. Further, since this was not a cost-cutting move but rather a move to eliminate unnecessary work that our customers should not have to pay for, I have no reason to be concerned for my job in the immediate future… so don’t worry about me 🙂
All the same, stressful times like this do have some value. It was a cold smack in the face that forced me to sit back and think about whether or not I’m heading in the right direction so that if I did find myself jobless, I would be as prepared as I possibly could be. I sat down with my wife many times over the last week figuring this out.
Ultimately, we decided that we need to be much more diligent in becoming debt-free. When things are going smoothly in life, I think it’s easy to become complacent and make assumptions such as “I pay the monthly student loan payments, so they’ll be paid off eventually. No big deal.” Suddenly, that $500 per month becomes a routine part of your budget that you don’t question or concern yourself with. We had been driving older vehicles until recently, so we purchased new ones. Similar to the student loans, the idea had been to pay the car payments for five years and they’d be paid off at that point.
As far as saving money, we have been doing a fine job at that. The existing plan was to build up our savings balance to a very large amount before having children, and before having our second child we would sell our condo and move into a house, putting 30% or more into a down-payment. It’s not a bad plan, and the fun thing about personal finance is that it’s really all about what you’re most comfortable with. After last week, we’re no longer comfortable with that plan.
New Plan : Pay Off the Debt
Instead of building an exorbitant amount of savings, our new plan is to tackle our debt. While we have zero credit card debt, we do have two auto loans and plenty of student loans. We’re going to hold onto a reasonable level of “emergency cash,” which I’ll define now as the amount of money it would take to survive six months at our current budget if either me or my wife were out of work and had zero income. All new excess will be used to tackle our debt in a modification of Dave Ramsey’s “Debt Snowball” approach.
Debt Snowball – My Way versus Ramsey
I’m an enormous fan of Dave Ramsey. I’ve read his books and I understand his philosophy well. He advocates something which he calls the Debt Snowball, which consists of tackling (“with a vengeance,” as Ramsey famously says) your debt with every excess dollar you have. You start with your smallest debt, such as a $500 credit card balance, and once you’ve paid it off you work your way up to the next smallest balance. With each balance you pay off, you free up a little more money to tackle the larger balances with.
My debt situation is a little unique in the sense that my wife and I have no credit card debt. We have various disbursements of student loans for small amounts that all have small monthly payments associated with them. As you pay off each disbursement, your total monthly student loan bill drops by a small amount. Other than student loans, we only have our condo and our auto loans.
I could tackle all the small disbursements of student loans as the Debt Snowball suggests, but since those are 15 to 25-year loans, the payoff in terms of dropping my monthly expenses is small. One of my student loans is a $3,500 disbursement that currently costs $50 per month, for example. Alternatively, I could attack my car loan and pay it off by March of this year and free up nearly $400 per month. Then if I diverted all our excess to Ashley’s car, we could pay her’s off in about a year and free up an additional $500 per month. Then, my math tells me that we’d be armed with enough monthly excess to knock out both of our student loan balances in total in a little over a year from then. All in all, I think we could be completely debt-free except our home in about three years. That would take twice as long if we started with our student loans.
Saving Cash versus Paying Down Debt
As I said before, personal finance is really all about making smart decisions that fall within your comfort zone. When I was driving a 12-year old car and my home’s HVAC system was 30 years old, I valued having a large balance in my savings account because I had a lot of risk for cash emergencies. Those situations have changed in the last few years and I just never really re-calibrated my strategy to compensate for it. Today, I value creating as much excess monthly household income as possible, and a great way to do that is by paying down debt.
Don’t get me wrong, once this process is over I will certainly be diverting my excess household income into rebuilding my savings and my brokerage accounts, but at this stage in my life and my current frame of mind, my values have changed and I’m comfortable with a standard 6-month emergency fund and attacking my debt with the remaining excess.
At the end of the day, this is just a different strategy toward the same end result. Personal finance is kind of like chess. While there are multiple ways to get a checkmate, it’s important to make sure you are strategically placing your pieces.