https://www.flickr.com/photos/gdguar...57641733510634

Finally.

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Nicely done!

I have a kit bash one in progress myself. I got a bookshelf shipped to
me and it had two right sides. Got a left side shipped in and assembled
it like the others.

Now I have a 7' Dark Cherry board that will become a shelf in the work
room for my hat collection.

Thanks for sharing.

Martin

On 5/4/2014 9:28 PM, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634


Finally.

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Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634


Finally.

Congratulations!

Bill


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Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634

Finally.

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Looks good to me.

--
 GW Ross 

 Oxymoron: Removable sticker. 

On 5/4/2014 9:28 PM, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634


Finally.

Valuable new skills, manifesting themselves in a well designed and
executed, unique piece of furniture that complements your kitchen.

Congratulations all around!

--
eWoodShop: www.eWoodShop.com
Wood Shop: www.e-WoodShop.net
https://www.google.com/+eWoodShop
https://plus.google.com/+KarlCaillouet/posts
http://www.custommade.com/by/ewoodshop/
KarlCaillouet@ (the obvious)

Looks Great.
I have one very similar although not near as nice. One problem is that they
are always hard to reach and clean.
Other than that, they provide a great place to store those items used not on
a regular basis.
john

"Greg Guarino" wrote in message ...

https://www.flickr.com/photos/gdguar...57641733510634

Finally.

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On 5/5/2014 10:02 AM, jloomis wrote:
Looks Great.
I have one very similar although not near as nice. One problem is that
they are always hard to reach and clean.
Other than that, they provide a great place to store those items used
not on a regular basis.
john


Thanks for the kind words, but must confess my confusion about labeling
"hard to reach and clean" as a "problem".

I prefer to think of it as "hard to see the dirt".

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On 5/4/2014 11:30 PM, Martin Eastburn wrote:
Nicely done!

Thanks. Following advice from the kind folks here, I hid my errors
successfully.

I have a kit bash one in progress myself. I got a bookshelf shipped to
me and it had two right sides. Got a left side shipped in and assembled
it like the others.

Now I have a 7' Dark Cherry board that will become a shelf in the work
room for my hat collection.

Good find. This:

https://www.flickr.com/photos/gdguar...57640288372444

.... was made from the special "Swedish wood" that was once my daughter's
"high bed".


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On 5/5/2014 9:19 AM, Swingman wrote:
On 5/4/2014 9:28 PM, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634



Finally.

Valuable new skills, manifesting themselves in a well designed and
executed, unique piece of furniture that complements your kitchen.

Congratulations all around!

Thanks. And yes, the additions to my skill set should be useful in the
future. Atypically, those "additions" came without the expected amount
of angst and error. Not to worry though, I made up for that luck with
errors elsewhere.

I have a backlog of ideas for future projects. The next one will likely
be either something like this:

https://www.flickr.com/photos/gdguar...57639547178715

or like this:

https://www.flickr.com/photos/gdguar...7639547178715/

I haven't decided which, and there will likely be some changes to the
details. But either of them would definitely up the ante a bit as
regards "degree of difficulty".

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On Sunday, May 4, 2014 9:28:07 PM UTC-5, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634



Finally.



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Nice work! Pleasing design and finish.

On 5/4/2014 9:28 PM, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634


Finally.

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LOL, It seems that early projects take for ever, treasure that because
you are relatively young. As time runs shorter for you, you are forced
to build faster.

Nice job!

On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that because
you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most efficient tool.
2. Errors

but mostly because:

3. A few hours each weekend is pretty much all the time I have to devote
to woodworking.

As for being "relatively young", if that's true, what kind of geezers
must I be talking to here?


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On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that because
you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most efficient
tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to devote
to woodworking.

That is the way I was before I retired at 40. Woodworking helped me to
keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was still
working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of geezers
must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






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"Leon" lcb11211@swbelldotnet wrote As for being "relatively young", if
that's true, what kind of geezers
must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.

I'm just a year and change behind you!
--
Jim in NC


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On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that because
you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most efficient
tool.
2. Errors

All a necessary part of the learning process.

And, at least sometimes, part of the fun. I like the "puzzle" aspect of
woodworking. Installing this rather unwieldy object seven feet off the
floor on a masonry wall - by myself - took some creative thinking. This
is what I came up with:

http://lumberjocks.com/GregGuarino/blog/41009


but mostly because:

3. A few hours each weekend is pretty much all the time I have to devote
to woodworking.

That is the way I was before I retired at 40. Woodworking helped me to
keep my sanity.

I think it's good for my mental health too. Part of the reason I have
limited free time is that my parents need a lot of help these days. I'm
not the only one doing it, but I'm over there 4-5 times a week. It's a
tough situation that intrudes on my thoughts as I travel to work and
during other idle time. It's helpful to have a woodworking "puzzle" to
occupy my mind instead. The "steel pins" idea was probably hatched
during my commute.

I rebuilt and enlarged the kitchen in our previous home when I was still
working full time. That took IIRC about 18 months.


As for being "relatively young", if that's true, what kind of geezers
must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.


Wow. That *is* old. A whole three years ahead of me.


---
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On 5/6/2014 10:33 AM, Greg Guarino wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that because
you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most efficient
tool.
2. Errors

All a necessary part of the learning process.

And, at least sometimes, part of the fun. I like the "puzzle" aspect of
woodworking. Installing this rather unwieldy object seven feet off the
floor on a masonry wall - by myself - took some creative thinking. This
is what I came up with:

http://lumberjocks.com/GregGuarino/blog/41009


but mostly because:

3. A few hours each weekend is pretty much all the time I have to devote
to woodworking.

That is the way I was before I retired at 40. Woodworking helped me to
keep my sanity.

I think it's good for my mental health too. Part of the reason I have
limited free time is that my parents need a lot of help these days. I'm
not the only one doing it, but I'm over there 4-5 times a week. It's a
tough situation that intrudes on my thoughts as I travel to work and
during other idle time. It's helpful to have a woodworking "puzzle" to
occupy my mind instead. The "steel pins" idea was probably hatched
during my commute.

I rebuilt and enlarged the kitchen in our previous home when I was still
working full time. That took IIRC about 18 months.


As for being "relatively young", if that's true, what kind of geezers
must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.


Wow. That *is* old. A whole three years ahead of me.

LOL. You have got a lot of building to catch up on!

On 5/6/2014 8:41 AM, Leon wrote:
On 5/4/2014 9:28 PM, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634



Finally.

---
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protection is active.
http://www.avast.com



LOL, It seems that early projects take for ever, treasure that because
you are relatively young. As time runs shorter for you, you are forced
to build faster.

Nice job!

I dunno about that, it still takes me forever on big projects.
I'm not in a rush, and I get side tracked (ADD maybe) :-(.

I always seem to find something that I can do quickly so I put that off,
and do something that gives me that quick gratification that so many
crave... guilty...


--
Jeff

On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that because
you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most efficient
tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to devote
to woodworking.

That is the way I was before I retired at 40. Woodworking helped me to
keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was still
working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of geezers
must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the workplace...
Not very sucessfully. Might have something on the hook but it is totally
messed up hours.. 1am start time.. not happy.

--
Jeff

On 5/6/2014 1:46 PM, woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that because
you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most efficient
tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to devote
to woodworking.

That is the way I was before I retired at 40. Woodworking helped me to
keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was still
working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of geezers
must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the workplace...
Not very sucessfully. Might have something on the hook but it is totally
messed up hours.. 1am start time.. not happy.

I was in upper automotive management with several different companies.
My last job before retiring afforded me a very nice retirement package.
This was a relative small business that was making hand over fist
profits and the owners were being taxed out the wazoo. The retirement
plan provided for all was extremely generous and it was the same as the
owners plan. I immediately took the lump sum distribution and rolled
it over into the market. That said, I have not touched it yet. My wife
had a pretty good job and an even better retirement plan so we live off
of that and what ever I bring in from selling my work.

The fact that we have been debt free since 2 years after I retired helps
greatly. No house payment or rent adds up quick. My son, now 26
learned by that example and he paid his house off when he was 25.

On 5/6/2014 1:43 PM, woodchucker wrote:
On 5/6/2014 8:41 AM, Leon wrote:
On 5/4/2014 9:28 PM, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634




Finally.

---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com



LOL, It seems that early projects take for ever, treasure that because
you are relatively young. As time runs shorter for you, you are forced
to build faster.

Nice job!

I dunno about that, it still takes me forever on big projects.
I'm not in a rush, and I get side tracked (ADD maybe) :-(.

I always seem to find something that I can do quickly so I put that off,
and do something that gives me that quick gratification that so many
crave... guilty...



You have to plan ahead and maintain focus from beginning to the end. I
never begin a project anymore these days with out every detail being
ironed out before buying the materials.

woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income. Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

--

-Mike-

On Sunday, May 4, 2014 9:28:07 PM UTC-5, Greg Guarino wrote:
https://www.flickr.com/photos/gdguar...57641733510634 Finally. --- This email is free from viruses and malware because avast! Antivirus protection is active. http://www.avast.com

Very nice.

My old age delay excuse is I'm always in the planning stage, for every project. Then, once I get started, I stumble onto another improvement idea/aspect/plan, so I end up altering the design as I build.

As someone, here, posted long ago, "Project Management":
https://www.flickr.com/photos/438361...in/photostream

Sonny

On 5/6/2014 2:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income.

Actually she retired in August of 2012. Her retirement package was very
nice also. She waited until she was 54. ;~)

Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

I got my first PC in 1986. The first thing I did with it was determine
the benefit of refinancing my home 5 years into a 30 year mortgage. I
refinanced with the same payment but shaved 10 years off of my mortgage.
I then determined what adding extra cash to every payment would make
and paid that house off 9 years after refinancing. It has been all cash
purchases so to speak since then. We do finance on occasion at Zero
interest and do pay for everything that we can with a reward credit
card. That gets paid off every month.

Greg Guarino wrote:

As for being "relatively young", if that's true, what kind of
geezers
must I be talking to here?
---------------------------------------------------
Leon wrote:

LOL some us are really really old. LOL I'll be 60 this year.
----------------------------------------------------
Greg Guarino wrote:

Wow. That *is* old. A whole three years ahead of me.
---------------------------------------------------
Rookies! g

Will hit 77 in July.

There are several in the '80's decade of their lives on the wrec.

Lew

On 5/6/2014 3:13 PM, Lew Hodgett wrote:
Greg Guarino wrote:

As for being "relatively young", if that's true, what kind of
geezers
must I be talking to here?
---------------------------------------------------
Leon wrote:

LOL some us are really really old. LOL I'll be 60 this year.
----------------------------------------------------
Greg Guarino wrote:

Wow. That *is* old. A whole three years ahead of me.
---------------------------------------------------
Rookies! g

Will hit 77 in July.

There are several in the '80's decade of their lives on the wrec.

Lew




I was reading this morning about a man that was celebrating his 111th
birthday. Born in 1903.

Asked his secret to a long life the list included the usual, no alcohol,
stopped smoking, etc. The one I found funny and at the top of the list
was NO Kids. ;~)

Then I got to wondering and putting things into perspective. He was a
year younger than I am now when I began first grade. So this guy was 35
when you were born Lew. My mother was a grand mother when she was 38 so
it would not be a stretch for him to possibly have been a grand father
when you were born and he is still ticking.

On 5/6/2014 4:13 PM, Lew Hodgett wrote:
Greg Guarino wrote:

As for being "relatively young", if that's true, what kind of
geezers
must I be talking to here?
---------------------------------------------------
Leon wrote:

LOL some us are really really old. LOL I'll be 60 this year.
----------------------------------------------------
Greg Guarino wrote:

Wow. That *is* old. A whole three years ahead of me.
---------------------------------------------------
Rookies! g

Will hit 77 in July.

There are several in the '80's decade of their lives on the wrec.

Lew


Geez Lew I thought you were older. That's not so old.

--
Jeff

Leon wrote:

I was reading this morning about a man that was celebrating his 111th
birthday. Born in 1903.

Asked his secret to a long life the list included the usual, no
alcohol, stopped smoking, etc. The one I found funny and at the top
of the list was NO Kids. ;~)


Actually, IIRC, most of those long lived peopel said they did smoke, drink a
bit, etc. They were just examples of life's anomolies.


--

-Mike-

On 5/6/2014 3:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income. Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

Same here, the only debt I have is the house, should be paid off in 2
years I think if I land a job...
All vehicles paid in full. I avoid debt as much as possible. My credit
rating is stellar... Discover just started sending us our rating...
higher than I thought..


--
Jeff

Leon wrote:
On 5/6/2014 3:13 PM, Lew Hodgett wrote:
Greg Guarino wrote:

As for being "relatively young", if that's true, what kind of
geezers
must I be talking to here?
---------------------------------------------------
Leon wrote:

LOL some us are really really old. LOL I'll be 60 this year.
----------------------------------------------------
Greg Guarino wrote:

Wow. That *is* old. A whole three years ahead of me.
---------------------------------------------------
Rookies! g

Will hit 77 in July.

There are several in the '80's decade of their lives on the wrec.

Lew




I was reading this morning about a man that was celebrating his 111th
birthday. Born in 1903.
I saw that on Yahoo this morning. He is currently the oldest
male in the world, the oldest female being 116. He said, the notoriety
is "not quite like winning the Nobel Peace Prize." --Bill

Asked his secret to a long life the list included the usual, no
alcohol, stopped smoking, etc. The one I found funny and at the top
of the list was NO Kids. ;~)

Then I got to wondering and putting things into perspective. He was a
year younger than I am now when I began first grade. So this guy was
35 when you were born Lew. My mother was a grand mother when she was
38 so it would not be a stretch for him to possibly have been a grand
father when you were born and he is still ticking.

On Tue, 06 May 2014 09:44:38 -0500, Leon lcb11211@swbelldotnet
LOL some us are really really old. LOL I'll be 60 this year.

Nah, you're just a teenybopper.

On Tue, 06 May 2014 14:48:39 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 2:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income.

Actually she retired in August of 2012. Her retirement package was very
nice also. She waited until she was 54. ;~)

My wife can't find a job so has decided she'd rather be retired,
though doesn't have the income. ;-) She can take SS but we're trying
to decide whether it's better to wait. It's not like we need the
money.

Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

I got my first PC in 1986. The first thing I did with it was determine
the benefit of refinancing my home 5 years into a 30 year mortgage. I
refinanced with the same payment but shaved 10 years off of my mortgage.
I then determined what adding extra cash to every payment would make
and paid that house off 9 years after refinancing.

I "retired" in '06 at 54 but went back to work after 9 months. I like
what I do, though would rather not do so much of it. ;-) When we
moved to AL ('08), we decided we'd buy a house that we could pay off
it five years. It was a good plan, until I lost that job and had to
move again (and lost $25K on the house). We'll have the new house
paid off in a year (~30K left). We could have had that paid off, now,
but decided to buy a couple of cars (literally drove the wheels off my
truck and the 'stang was pretty .

It has been all cash
purchases so to speak since then. We do finance on occasion at Zero
interest and do pay for everything that we can with a reward credit
card. That gets paid off every month.

Same here. We often finance at 0%. We rarely have more than one
going at a time and usually have it paid off in a couple of months. We
don't buy all that much with CCs, perhaps $1K. We should use them
more.

On 5/6/2014 9:42 PM, wrote:
On Tue, 06 May 2014 14:48:39 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 2:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






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This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income.

Actually she retired in August of 2012. Her retirement package was very
nice also. She waited until she was 54. ;~)

My wife can't find a job so has decided she'd rather be retired,
though doesn't have the income. ;-) She can take SS but we're trying
to decide whether it's better to wait. It's not like we need the
money.

Something to consider, we will probably take my SS at 62, IIRC I
determined that I have to live to 78 to benefit more by waiting until 65
vs 62. So basically it takes 16 years to end up getting more money. We
will probably wait to take my wife's SS as that will be a greater amount
and if either of us dies one of us gets the bigger amount of SS. So in
her case we may wait until she is 70.





Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

I got my first PC in 1986. The first thing I did with it was determine
the benefit of refinancing my home 5 years into a 30 year mortgage. I
refinanced with the same payment but shaved 10 years off of my mortgage.
I then determined what adding extra cash to every payment would make
and paid that house off 9 years after refinancing.

I "retired" in '06 at 54 but went back to work after 9 months. I like
what I do, though would rather not do so much of it. ;-) When we
moved to AL ('08), we decided we'd buy a house that we could pay off
it five years. It was a good plan, until I lost that job and had to
move again (and lost $25K on the house). We'll have the new house
paid off in a year (~30K left). We could have had that paid off, now,
but decided to buy a couple of cars (literally drove the wheels off my
truck and the 'stang was pretty .

It has been all cash
purchases so to speak since then. We do finance on occasion at Zero
interest and do pay for everything that we can with a reward credit
card. That gets paid off every month.

Same here. We often finance at 0%. We rarely have more than one
going at a time and usually have it paid off in a couple of months. We
don't buy all that much with CCs, perhaps $1K. We should use them
more.

On 5/6/2014 3:48 PM, woodchucker wrote:
On 5/6/2014 3:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest
of us
did not do. That - and his wife is still working and contributing to
their
income. Net/net - he hit it in a way that most of us wish we had also
done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

Same here, the only debt I have is the house, should be paid off in 2
years I think if I land a job...
All vehicles paid in full. I avoid debt as much as possible. My credit
rating is stellar... Discover just started sending us our rating...
higher than I thought..


Ours was a bit higher than I thought too, 807.

On 5/6/2014 1:43 PM, Leon wrote:
You have got a lot of building to catch up on!

True enough. But I prefer to see it as a case of "never too old to learn
something new". Being a novice at something, even at our "advanced" age,
can be a pleasurable thing.

I built a few things at long intervals in the past, but I can feel it
becoming a hobby now, albeit one that produces (unadorned but always
sturdy) furniture for the house. My wife has seen the benefits of this
hobby too. About 500 books, 450 CDs and now some of the larger crockery
have found new and more efficient homes over the last year. Living room
furniture next, I think, starting with a couple of book/display shelving
units.

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This email is free from viruses and malware because avast! Antivirus protection is active.
http://www.avast.com

On 5/7/2014 12:12 AM, Leon wrote:


Something to consider, we will probably take my SS at 62, IIRC I
determined that I have to live to 78 to benefit more by waiting until 65
vs 62. So basically it takes 16 years to end up getting more money. We
will probably wait to take my wife's SS as that will be a greater amount
and if either of us dies one of us gets the bigger amount of SS. So in
her case we may wait until she is 70.


Full retirement for me was 66 so I started taking the SS but still
working. It is a 14 year payback if I waited to 70 to collect.
Looking at family history, I'd not benefit.

I cut my work hours back but get the same salary and the SS sure makes
for a lot of "fun" money.

On 5/7/2014 10:01 AM, Ed Pawlowski wrote:
On 5/7/2014 12:12 AM, Leon wrote:


Something to consider, we will probably take my SS at 62, IIRC I
determined that I have to live to 78 to benefit more by waiting until 65
vs 62. So basically it takes 16 years to end up getting more money. We
will probably wait to take my wife's SS as that will be a greater amount
and if either of us dies one of us gets the bigger amount of SS. So in
her case we may wait until she is 70.


Full retirement for me was 66 so I started taking the SS but still
working. It is a 14 year payback if I waited to 70 to collect. Looking
at family history, I'd not benefit.

I cut my work hours back but get the same salary and the SS sure makes
for a lot of "fun" money.



Exactly, I'm hoping that SS will be gravy.

On Tue, 06 May 2014 23:12:02 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 9:42 PM, wrote:
On Tue, 06 May 2014 14:48:39 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 2:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income.

Actually she retired in August of 2012. Her retirement package was very
nice also. She waited until she was 54. ;~)

My wife can't find a job so has decided she'd rather be retired,
though doesn't have the income. ;-) She can take SS but we're trying
to decide whether it's better to wait. It's not like we need the
money.

Something to consider, we will probably take my SS at 62, IIRC I
determined that I have to live to 78 to benefit more by waiting until 65
vs 62. So basically it takes 16 years to end up getting more money. We
will probably wait to take my wife's SS as that will be a greater amount
and if either of us dies one of us gets the bigger amount of SS. So in
her case we may wait until she is 70.

I've been studying the various strategies. The best I've seen is for
the higher earner (higher SS payments) to hang on as long as possible.
The other can retire early and collect their SS whenever. When the
higher earner turns 66 (in my case), he files to collect SS, then
suspends payments. The other can then get the spousal benefit which
is half of what the higher earner would make, minus the spouse's SS
payment (plus the payment the spouse was receiving before). Then at
70, the higher earner starts collecting, no matter what his income.

If she started collecting today, we wouldn't catch up until we were
76, but the payments when we need it would be substantially less
(~$700/mo). We're weighing the alternatives.

As you say, if either of us die, it wouldn't matter if she started now
or later. It is a big factor.





Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

I got my first PC in 1986. The first thing I did with it was determine
the benefit of refinancing my home 5 years into a 30 year mortgage. I
refinanced with the same payment but shaved 10 years off of my mortgage.
I then determined what adding extra cash to every payment would make
and paid that house off 9 years after refinancing.

I "retired" in '06 at 54 but went back to work after 9 months. I like
what I do, though would rather not do so much of it. ;-) When we
moved to AL ('08), we decided we'd buy a house that we could pay off
it five years. It was a good plan, until I lost that job and had to
move again (and lost $25K on the house). We'll have the new house
paid off in a year (~30K left). We could have had that paid off, now,
but decided to buy a couple of cars (literally drove the wheels off my
truck and the 'stang was pretty .

It has been all cash
purchases so to speak since then. We do finance on occasion at Zero
interest and do pay for everything that we can with a reward credit
card. That gets paid off every month.

Same here. We often finance at 0%. We rarely have more than one
going at a time and usually have it paid off in a couple of months. We
don't buy all that much with CCs, perhaps $1K. We should use them
more.

On Tue, 06 May 2014 23:13:09 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 3:48 PM, woodchucker wrote:
On 5/6/2014 3:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest
of us
did not do. That - and his wife is still working and contributing to
their
income. Net/net - he hit it in a way that most of us wish we had also
done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

Same here, the only debt I have is the house, should be paid off in 2
years I think if I land a job...
All vehicles paid in full. I avoid debt as much as possible. My credit
rating is stellar... Discover just started sending us our rating...
higher than I thought..


Ours was a bit higher than I thought too, 807.

Last summer I had to buy a new truck (they wanted absurd money for
used and the wheels rusted off my Ranger). Until our other house sold
(contract for April-1), we were a little cash poor so financed the
truck for eight months, or so. The finance manager said that with our
credit, we could buy the whole damned lot (he later disclosed, though
he wasn't supposed to, that it was 840). He kept trying to sell us
another car. As we about to leave with the new truck, he said that
he'd just gotten a Mustang convertible in, in the same color. My wife
*liked* it. ;-)

Using other people's money (zero-percent financing) boosts credit
scores quite a bit. ...not that there is a difference between ~720
and 850.

On 5/7/2014 8:55 PM, wrote:
On Tue, 06 May 2014 23:12:02 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 9:42 PM, wrote:
On Tue, 06 May 2014 14:48:39 -0500, Leon lcb11211@swbelldotnet
wrote:

On 5/6/2014 2:33 PM, Mike Marlow wrote:
woodchucker wrote:
On 5/6/2014 10:44 AM, Leon wrote:
On 5/6/2014 9:39 AM, Greg Guarino wrote:
On 5/6/2014 8:41 AM, Leon wrote:
LOL, It seems that early projects take for ever, treasure that
because you are relatively young.

My projects take forever for three reasons:

1. Figuring out how to do things, sometimes without the most
efficient tool.
2. Errors

All a necessary part of the learning process.



but mostly because:

3. A few hours each weekend is pretty much all the time I have to
devote to woodworking.

That is the way I was before I retired at 40. Woodworking helped me
to keep my sanity.
I rebuilt and enlarged the kitchen in our previous home when I was
still working full time. That took IIRC about 18 months.




As for being "relatively young", if that's true, what kind of
geezers must I be talking to here?


LOL some us are really really old. LOL I'll be 60 this year.






---
This email is free from viruses and malware because avast! Antivirus
protection is active.
http://www.avast.com


You retired at 40?

How'd you do that? I am 56 and still trying to keep in the
workplace... Not very sucessfully. Might have something on the hook
but it is totally messed up hours.. 1am start time.. not happy.

Leon did some things right in his earlier years that some of the rest of us
did not do. That - and his wife is still working and contributing to their
income.

Actually she retired in August of 2012. Her retirement package was very
nice also. She waited until she was 54. ;~)

My wife can't find a job so has decided she'd rather be retired,
though doesn't have the income. ;-) She can take SS but we're trying
to decide whether it's better to wait. It's not like we need the
money.

Something to consider, we will probably take my SS at 62, IIRC I
determined that I have to live to 78 to benefit more by waiting until 65
vs 62. So basically it takes 16 years to end up getting more money. We
will probably wait to take my wife's SS as that will be a greater amount
and if either of us dies one of us gets the bigger amount of SS. So in
her case we may wait until she is 70.

I've been studying the various strategies. The best I've seen is for
the higher earner (higher SS payments) to hang on as long as possible.
The other can retire early and collect their SS whenever. When the
higher earner turns 66 (in my case), he files to collect SS, then
suspends payments. The other can then get the spousal benefit which
is half of what the higher earner would make, minus the spouse's SS
payment (plus the payment the spouse was receiving before). Then at
70, the higher earner starts collecting, no matter what his income.

If she started collecting today, we wouldn't catch up until we were
76, but the payments when we need it would be substantially less
(~$700/mo). We're weighing the alternatives.

As you say, if either of us die, it wouldn't matter if she started now
or later. It is a big factor.


I have not even looked yet, but I really didn't understand the above,
why would you file to collect, then suspend?





Net/net - he hit it in a way that most of us wish we had also done.
Leon has also been very smart about eliminating his debt throughout his
life - that makes a hell of a difference.

I got my first PC in 1986. The first thing I did with it was determine
the benefit of refinancing my home 5 years into a 30 year mortgage. I
refinanced with the same payment but shaved 10 years off of my mortgage.
I then determined what adding extra cash to every payment would make
and paid that house off 9 years after refinancing.

I "retired" in '06 at 54 but went back to work after 9 months. I like
what I do, though would rather not do so much of it. ;-) When we
moved to AL ('08), we decided we'd buy a house that we could pay off
it five years. It was a good plan, until I lost that job and had to
move again (and lost $25K on the house). We'll have the new house
paid off in a year (~30K left). We could have had that paid off, now,
but decided to buy a couple of cars (literally drove the wheels off my
truck and the 'stang was pretty .

It has been all cash
purchases so to speak since then. We do finance on occasion at Zero
interest and do pay for everything that we can with a reward credit
card. That gets paid off every month.

Same here. We often finance at 0%. We rarely have more than one
going at a time and usually have it paid off in a couple of months. We
don't buy all that much with CCs, perhaps $1K. We should use them
more.



--
Jeff

On 5/8/2014 10:43 AM, woodchucker wrote:



I've been studying the various strategies. The best I've seen is for
the higher earner (higher SS payments) to hang on as long as possible.
The other can retire early and collect their SS whenever. When the
higher earner turns 66 (in my case), he files to collect SS, then
suspends payments. The other can then get the spousal benefit which
is half of what the higher earner would make, minus the spouse's SS
payment (plus the payment the spouse was receiving before). Then at
70, the higher earner starts collecting, no matter what his income.

If she started collecting today, we wouldn't catch up until we were
76, but the payments when we need it would be substantially less
(~$700/mo). We're weighing the alternatives.

As you say, if either of us die, it wouldn't matter if she started now
or later. It is a big factor.


I have not even looked yet, but I really didn't understand the above,
why would you file to collect, then suspend?

It allows the wife to collect from his benefit now. By suspending his,
he can activate it later and collect more. Up to age 70 the benefit
increases every year.