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I got tired of all the arbitrary rent a house versus own a home posts and comments in the world, with everyone spouting their opinion but really had very little information to back it up. I opened up my excel sheet and went to work. I ran the numbers via made up data and also real world data using my personal experience (as a home owner for 20 years using my real world relevant numbers). In almost every scenario it was better to own than to rent. Yes, you read that right. Ownership has its perks. Rentals do have their place but it truly depends on time frame (how long you will live there) and the size of the rental.…

During whaling times, the custom of fashioning a small round button from a section of Sperm Whale tooth and having it mounted to the top of the newel post of your home became popular. The presence of a Newel Post Button told visitors that there were no liens on the property. Hence, over time, the name changed to Mortgage Button. I ordered one a month ago as we paid off the house. It is installed now and while very few visitors go there or will even understand it, all that matters is that we know what it is and what it means to us, so we can smile every time we go by.

Summer is almost upon us, and while it doesn't feel like it where I love - cold, damp, rainy, the forever spring it seems - the calendar is telling me otherwise and the sun is staying out longer. As soon as the weather cooperates it will be time to get the guys together for some drinks and a fire. I started with the pits I put in last year. Added some play sand on top and lined the side with some old bricks for a classy look. While these don't have the nice cement runways on the side, I don't feel we need them for how we are going to be playing. Only time will tell. Something I can always…

I'm going to take a moment from my regularly scheduled blogging to post a more-than-humble brag today. Today marks the date when my wife and I can call ourselves 100% debt free. We have no debts what-so-ever. No credit cards owed, no car payments owed and we own our homes outright! No, we will not be on the Dave Ramsey show. It's been a long time coming. Lots of long hours, hard work, saving and not splurging on trips and on "want" items. The couch in our living room was one that was given to us. The dogs of torn up the chairs and our deck is falling apart. No worries, already hired a company to come out and replace…

I've been thinking about writing this for some time, but always had a tough time deciding where to start. A to B to C, etc. I finally decided there is really no good place to start, but to start writing these as they come to me. Listen: I'm not saying I'm perfect. Far from it. Yet, I have made the appropriate decisions that keeps me on the path of making money and keeping (aka saving) more of what I earn. One of the big things that struck me is when I go purchase a vehicle, I look for a nice used one. Always. I've only purchased one new truck (1999 Ford Ranger) in my life, and I ran that one…

The Maple sap has been down to 1% sugar content for the past week. This means that a whopping 86 gallons of sap is needed before you can get 1 gallon of maple syrup. Without a reverse osmosis setup, this type of ratio would be a waste of fuel and money. Last year, due to the low sugar content all year by the end of the season, people were giving away sap because they had run out of wood or got tired of paying for propane. Thankfully I only saw the 1% for a short week. Picked up 60 gallons out of my 50 taps on Thursday and boiled it down Friday. My make-shift sugar shack was gone so I…

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