Wednesday, July 18, 2018

Where the Money Stands....1 Year Into Retirement

This is what I envisioned before Hubs retired last year.




But we have pretty successfully navigated the waters of Retirement Year One.
Hubs has been retired one full year as of June 30th.



So it's time for a financial update at the one year mark.

Here is what the money breakdown was on July 1st of 2017......

* Pension account--This gives us an income stream of $3,173.13 per year.
* Retirement Savings
* Cash & Regular Savings
* HSA(Health Savings Account)
* RMSA(Medical Savings Account)
* Personal Days Payout(This was rolled into the Cash & Regular Savings after it was paid out July 2017.)
* Stock Account

And here is what the money breakdown is on July 1st of 2018.....

* Pension account--This gives us an income stream of $3,218.16 per year.  Taxes went down on this income stream in Feb. 2018 so we see $45.03 more per month than in July 2017.

* Retirement Savings--The total in that account is $5,916.10 more than what was in it on July 1st 2017.
We have withdrawn $6,000 from the account in this first year of retirement too, which means it grew $11,916.10 in interest this past 12 months.

* Cash & Regular Savings--$66,667.68 more in this pot than July 1st 2017.  The Personal Days were rolled into this, as well as the proceeds from selling the house in Louisiana, a federal tax return and some interest gains all account for this increase over July of 2017.

* HSA--This account is $2,321.40 less than July 2017.  Paying medical bill co-pays from this.

* RMSA--This account is $19,774.65 less than July 2017.  Paying healthcare premiums from this.

* Stock--Is worth $2,241.33 more than July 2017.  Stock went up a bit.

Overall we have $52,729.06 more in assets we can access on July 1st 2018 compared to July 1st 2017.(This doesn't count the pension account since it's a guaranteed income stream for life and not an account that can be liquidated if need be.)

Costs have been pretty stable here and no big financial emergencies have arisen so far.  We are living below our means, paying our bills, eating well, getting things taken care of and splurging a little.
No real travel yet but that's coming later this year.

I have calmed down about spending what we've built up over so many years.  It's still hard wrapping my head around spending down the money and I catch myself sometimes getting stressed but not as often as a year ago.

My life didn't change all that much when Hubs retired fully last July.  He's home more than I'd like(I had gotten use to having the house to myself most days)but we stay out of each other's hair.  He's got his routine and I've got mine.  He is considering doing some contract work for his former boss on an interim basis in the coming year.  I think he misses his work more than he lets on.

So that's about it.
Any questions, just ask. ;-)


Sluggy








Tuesday, July 17, 2018

One of My Scottish Ancestors in America

Speaking in general terms, when referring to the three first major English colonies in America, the ones in Massachusetts and Pennsylvania were primarily founded for and by religious dissidents, the Puritans in MA and Quakers in PA,  but the one in Virginia was founded for and by Englishmen who wanted economic wealth and opportunity.  The Virginia colony founders were a mix of well off entrepreneur types, non-firstborn sons of wealthy families(family wealth all went to the first born son ie-primogeniture), tradesmen and a few servants.  Throw in a few adventurers into that mix as well.
Religious dissenters would also make up the population of the Virginia Colony arriving around 1700 and beyond(Huguenots fleeing Catholic France or other countries which they took refuge in after fleeing persecution in France).

Being as 95% or so of my direct maternal ancestors arrived in America before 1710 and to Virginia I find it interesting when I find one who came to the New World via another route(colony).  And I find it even more interesting when one came here for religious reasons.  And if you are a follower of American Presbyterianism then he is quite important to you as well.

One such ancestor of mine is John Thomson, my 7th Great Grandfather.

John Thomson was born in Northern Ireland about 1690.  He was of the Ulster-Scots, usually know in America as the Scots-Irish.  Ulster-Scots meant that his forebearers had come to Ireland from the Lowland areas of Scotland after English King James I sanctioned a plan to confiscate lands in Ulster County Ireland from Gaelic nobility and have those lands settled by Protestant English in a planned colonization of Ireland called "The Plantation of Ulster".

John Thomson was sent to study at the University of Glasgow in 1706.  He was licensed as a minister by the Presbytery of Armagh(Ireland)in 1713 at about the age of 23.  In 1715 he, his wife, Margaret Osbourne Thomson, and their two children set sail for the port of New York.  By 1717 he was ordained by the Presbytery of Philadelphia and he was the minister of the Presbyterian congregation in Lewes, Delaware.  This was the second oldest Presbyterian congregation in the state of Delaware.

This is how that church looks today......


I believe the church he helped build was two buildings before this one and was brick but it's long gone.

Reverend John Thomson was elected as Moderator of the New Castle Presbytery in 1718 and Moderator of the Synod of Philadelphia in 1719 and 1722.

After leaving Lewes in 1729 he headed a congregation in Middle Octarara(Southeast of present day Lancaster PA)from 1730 to 1733.  He left because they had trouble coming up with the funds to pay him and at this time the Thomson family numbered 14(John, his wife and 12 children but some say there were more than a dozen children)so going without payment wasn't acceptable.

Rev. John received a call to Chestnut Level(17 miles further West from Middle Octarara in Drumore Township PA)where he continued his preaching from 1733 to 1744.  Around this time was what is called "The Great Awakening" was happening in religion in the American colonies.  In the Presbyterian sect there was a taking up of sides, either "Old Side" or "New Side" and Rev. Thomson was an Old Side believer.  He wrote many papers against the New Side and due to his being outspoken and "adequately endowed with Scottish sagacity" many of his congregation were at odds with him as well and they did not renew his contract in Chestnut Level.

Religious papers and books written by Rev. Thomson include.......
  • An Examination and Refutation of Mr. Tennet's Remarks Upon A Protestation
  • The Doctrine of Convictions Set in a Clear Light
  • The Explication of the Shorter Catechism
  • The Government of the Church of Christ
  • A Poor Orphan's Legacy-this was written for his children after the death of his wife Margaret/their mother in 1735

The Poor Orphan's book as well as one of the religious tracts was printed by his friend, Benjamin Franklin.

The most influential paper he was the primary author of was "The Adopting Act of 1729" for the Synod of Philadelphia.  This act shaped the early Presbyterian religion in Colonial America.

After the death of his wife Margaret in 1735, John Thomson remarried to Mary McKean, the widow of Thomas Reid, a member of his Middle Octarara PA congregation.  They had one child, Hannah Thomson, together.

By 1744 he left his congregation in Chestnut Level and removed to what was then the "back country" of the Virginia Colony which was South Central VA.  Today his homestead in Virginia on the Buffalo Creek is in Prince Edward County(near Farmville VA).  He became a missionary in the frontier of the Virginia Colony.

When Rev. Thomson removed to Prince Edward County, Virginia most of his mostly now grown children went with him.  Three of his daughters, Mary, Jane and Elizabeth and their spouses also moved to Virginia near their father.  These three daughters all married brothers; Robert, Douglas and Samuel Baker.(Brother Caleb Baker also went to VA but didn't marry of Thomson girl.)
This Baker family was descended from a Baker from Massachusetts who resettled outside of Philadelphia and married a descendant of Phillip Packer, Jr.(the son of Phillip Packer of England and Sarah Isgar his mistress and later his second wife-Story HERE), Susannah Packer.
More on these Baker brothers at another time.

While in Virginia Rev.Thomson was very busy.  Congregations were small and far apart and without full time preachers in backwoods Virginia at this time.  He is known to have been an itinerant traveling preacher from 1744-1750 and attended to congregations in Winchester, Staunton, Rockfish Gap(Nelson Co.), Cub Creek(Charlotte Co.), Buffalo and Walkers(Amelia Co., now Prince Edward Co.), Hat Creek and Concord(in what would become Campbell Co.).
Once he started his missionary work he no longer participated fully in the Synod of Philadelphias doings though he would continue to write.

In 1743 the Synod of Philly finally got a school organized under the leadership of Rev. Francis Allison. As Rev. Thomson had pushed for a school for young men he was put on the original board of trustees. New Jersey gave this school a charter in 1769 as the Newark Academy.  Newark Academy continued on and eventually became the University of Delaware.

Though it's not proved, he may have helped found Hampden-Sydney College outside of Farmville, VA.  It is presently one of only three still all-male institutions of higher learning in America.
While residing and preaching in this area of Virginia Rev. Thomson began a school for young men.  This school is thought by some to be where the idea for Hampden-Sydney sprang.  John Thomson's son in-law, minister Richard Sankey(who married his daughter Sarah Thomson)was a trustee of H-S on it's original board and was closely associated with John Thomson  This suggests that Rev. Thomson was involved in some way in that school's beginnings.

While serving the back country of Virginia as a traveling preacher Rev. Thomson received a call to minister to flocks in central North Carolina.  This inland area of NC was settled by fugitives from the Virginia Colony, as well as Ulster-Scots, Germans and other non-Anglicans.  The settlers of this area of the Colony were generally poor hard-scramble farmers working on mountainous and poor soils.  Settlers here were few and far between.  Rev. Thomson left Virginia to go to North Carolina and minister to these flocks around 1751.  He built a cabin adjacent to his son in-law's property near Mount Mourne, NC, where he and his wife, Mary and their child, Hannah, lived.  This son in-law was Samuel Baker who had married John Thomson's daughter, Elizabeth.  Samuel and Elizabeth are my 7th Great Uncle and Aunt.

Rev. John Thomson ministered to many congregations in what is present day Iredell County NC.  It is said he established a number of preaching stations; under a poplar tree near where Davidson College now stands, another near Fourth Creek became the the site of the First Presbyterian Church in Statesville NC, another station became Third Creek Prsbyterian Church and the town of Concord NC grew up around another site.  He also visited/preached to flocks in settlements in which Centre(later Mooresville, Iredell Co.), Hopewell(later in Huntersville, Mecklenburg Co.), Sugaw Creek(later in Charlotte Co.), Poplar Tent(later in Concord, Cabarrus Co.)and at Cathey's Meeting House(later Thyatira in Salisbury, Rowan Co.)churches were established.
He was a busy guy. ;-)

At his death in 1753 he was buried under his cabin home.  This was the eve of the French and Indian War and Indian raids were commonplace on frontier settlements in NC   This explains why he was buried beneath the floor of his cabin to prevent looting.  Samuel Baker, Thomson's son in-law, died in 1757 and was also buried under the cabin.  This site eventually became known as Baker's Grave Yard and saw more Baker/Thomson family members enterred there.  Eventually the cabin was destroyed and the grave yard was surrounded by a rough rock wall.
In 1963 the site disappeared under the waters of Lake Norman, after the construction of Cowan's Ford Dam on the Catawba River.  The graves and stone markers where removed to the old Centre Presbyterian Church cemetery in Mooresvillee North Carolina in 1961.


Plaque hanging from archway reads "Baker Cemetery Relocated 1961".


There is also a commemorative stone there as well.

This grave marker was added later to the removed remains of Rev. John Thomson in the Centre Church Cemetery Baker enclosure.

Rest in Peace my 7x GGrand.


More on these interesting lines of family ancestors later......

Sluggy











Monday, July 16, 2018

This Week on the Dining Table

The "Looking Better" Edition--

Chester was looking a tad "scruffy" so I groomed him on Saturday.  No people want me cutting their hair but I did ok with the dog and besides, he doesn't care and won't give me a bad review on Yelp. lolz
He'll get a bath this week too.


Moving On....

Onward to the meal planning!

This is what was planned--

1. Sunday--Hamburgers and leftover Cook-out sides
2. Monday--Leftovers
3. Tuesday--Spaghetti and Meatballs, Salad
4. Wednesday--Eggplant w/Garlic Sauce, Rice
5. Thursday--Mushroom Parm(and Chicken Parm for someone), Salad
6. Friday--Leftovers
7. Saturday--Something w/Pasta

And this is what actually happened--

1. Sunday--Hamburgers and leftover Cook-out sides
2. Monday--Leftovers
3. Tuesday--Steak, Salad
4. Wednesday--Spaghetti and Meatballs, more Salad if wanted
5. Thursday--Stuffed Chicken Breast Florentine, Mixed Veggies, Mashed Taters
6. Friday--Stromboli, Wings, Pizza, Salad
7. Saturday--Chinese Eggplant in Garlic Sauce, Rice

The Parm didn't happen because I got those stuffed chicken breasts(meh) on discount and had those instead.

Last week saw 5 nights of home cooked dinners, 1 night of leftovers/fend for yourself, 1 nights of Take-Out or Eating Out.  

A trip to each of Big Lots, Wegman's and Weis brought the weekly food spending to $156.68 and the monthly total to $235.64. I bought a lot of pantry staples last week as well as 4 lbs. of cheese and a pork butt to smoke this week.
I have 15 days left in my shopping month for July. 

My savings percentage last week was 39.95%(without Rite-Aid trips)and July's monthly savings total comes to 46.07% so far.

Leftovers going into this week......3 slices of pizza, a small portion of each Eggplant w/Garlic Sauce, Spaghetti, 1 Meatball and tons of Rice and Spaghetti Sauce.  The small meatloaf is going into the freezer. No real leftovers to serve just bits and pieces Hubs can dine on for lunch.

The spaghetti sauce will be used in the Mushroom Parm this week and I might make a pan of Lasagna as I have Cottage Cheese to use up.  I also have cheese sauce to use up so I'll make a pan of mac and cheese as well.

Here is this week's "food plan".....

1. Sunday--Leftovers
2. Monday--Mushroom and Chicken Parm, Salad
3. Tuesday--Pork Chops, Sauteed Squash, Mac and Cheese
4. Wednesday--BLT sandwiches
5. Thursday--Lasagna or Fish?
6. Friday--Steak, COC, Salad
7. Saturday--BBQ, Coleslaw

This week will see 6 new meals cooked, 1 night of leftovers/FFY and 0 nights of Take-Out/Eating Out.
Tuesday should be cooler so I'll run the oven then for pork chops, mac and cheese and will make the lasagna(if I decide on that).

What needs buying for this menu? Corn, Coleslaw mix, milk and eggs also(though not needed for these meals).

What is getting fixed and served at your house this week?

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten last week?

Any great deals on food at your stores this week?


Sluggy

Sunday, July 15, 2018

Did Someone Say Giveaway??

July means it's time for the eighth Sluggy's Boring Blog Box Giveaway for 2018. 8-)

Back to our regular giveaway mode, I pick the goodies!
This one is chock full of Summer time essentials....razors, electrolyte tablets, protein bars, hair elastics and M&Ms!

A nice box of goodies will head to whomever's name is picked from the entries.
Somebody has to win and it might just be YOU!

Here is what you can win if your entry is picked.



1 x Playtex tampons
1 x Suave shampoo
1 x Cetaphil baby body wash(don't have to be a baby to use this)
1 x Lil Critters Gummy Vitamins(kids)
1 x Colgate toothpaste
1 x Hydralyte tablets(orange)
1 x Schick slim twin razors
1 x Oral-B toothbrush
1 x Listerine dental floss
1 x Rimmel lip balm(Keep Calm and Lip Balm)
2 x Muscle Milk protein bars
1 x Scunci hair elastics
1 x M&Ms candy(1 milk choc./1 peanut butter)


Over $70 in regular retail of goodies.
Closeup shots of the goodies up for grabs......








Within reason I'll also let you swap out something here for something else(if I have it).

I'll leave this giveaway open until Monday, July 23rd at 11:59pm Eastern Time, so that gives everyone a full week to enter this one.  On July 24th I'll mark all the valid entries and use Random dotorg to pick a number and that corresponding person's entry wins.

*Please note the rules*
I'll post the name/Id of the winner on this blog and that person has 48 hours from then to contact me privately via email(my email addy is listed on my "About Me" page).
If I am not contacted via email I'll attempt to contact the winner via the email they supply with their entry and if that email is not responded to within another 48 hours I'll pick another winner.

There will only be ONE way to enter this time by leaving a comment on this post.  Tell me what you like about Summer, if you go away on vacation and why you go there, what you did during the Summer as a kid, or the thing you most want to win.....those sort of comments.
You may enter once each day by leaving a daily comment on this post before July 23rd at 11:59pm Eastern time.

Disclaimer--This giveaway is open to those with mailing addresses within the US only.
As the cost of postage to foreign countries has gotten to high I am sorry to say I can no longer afford to mail boxes outside the US.  These giveaways are not sponsored by any companies, I pay for it all(cost of items given away and the postage to mail it all)out of my own pocket.

***PLEASE NOTE***
Please make sure there is a way for me to contact you in your comment.

If you're not a registered Blogger User with your contact information on your User page, please put your email addy in your comment or email me your email addy privately when you leave a comment so I can get a hold of you. If your Blogger associated user profile is a GOOGLE one with those Google Circles nonsense I CAN NOT CONTACT YOU as Google Circles doesn't show your contact info.

If I can't contact you then you can't win.  I am still having to disqualify entries due to this issue and I sure don't like doing that.  Thanks!

So let's get this started!

Sluggy

Saturday, July 14, 2018

Garden Veggies and an Easy Recipe

Here's what we've harvested so far from our garden.........

* 4 pickings of salad greens-8.1 ounces
*  2.5 cups of basil-2 ounces
* 1 Japanese eggplant-2.4 ounces
* 1 zucchini-24.9 ounces
* 2 yellow squash-17.4 ounces



So what to do with your basil other than use it fresh or dry it?  I made tomato sauce and used some basil in it this week.
And then I made pesto for the first time!


Super easy to do.
You need basil leaves(remove the stems), EVOO, garlic, parmesan cheese and nuts(pine nuts or walnuts work best)and a food processor or blender.


Put basil, garlic and nuts in processor, whiz up a few seconds then with the power still on slowly add the olive oil until smooth.
Add the cheese afterwards and just pulse the machine to blend it in.
And that's it!



This will keep for 1 week in the fridge or throw it into the freezer.  I bought smallish containers at Dollar Tree for putting this into the freezer.  This makes enough for one large meal of pesto for 4-5 people.
I don't like pesto so I had to have Hubs taste test it for me.  It's a frozen asset now and can be warmed up some night I don't have a plan and someone wants pesto and pasta.

Garden Output so far......54.8 ounces or 3 lbs. 42.5 ounces
Not much but once the tomatoes kick in the total weight will escalate. ;-)

What's growing in your garden?
How is it doing?

Sluggy