Well, actually two milestones; both just around the corner. One would be the final mortgage payment on Chez Hayes – the little suburban cottage patch of paradise that I bought two years before I retired from the Air Force in 1997. Thirty-year mortgage at an 8-point something rate of interest, but no down payment, because of being under the grace and favor of the VA. Yes, that rate seems high – but as my daughter the real estate agent tells me – historically pretty much the average. I never refinanced, as it seemed to be just too much trouble collecting up the documentation and paying for an appraisal and never took out any equity loans because that never really appealed to me as an option. In a relatively rare moment of economic sanity, I opted on a price for the house and sliver of garden, which gave me a mortgage payment that amounted to one-quarter of my monthly income at the time. This was about the same amount that I had usually paid in rent … so I was pre-programmed for that regular expense. There were times, post-retirement where the wolf lurked at the bottom of the driveway – but I was always able to scrape through.

The assessed value is now a little more than double the original price it went for in 1995. I have since been able to renovate the original back deck into a covered screened porch, renovated both bathrooms, replace the original contractor grade windows, siding, garage door, and the roof – that last, twice over, which is about par for this part of Texas. There are a couple more things I want to do, when there is a bit more money in hand after the mortgage is done: mainly, revamp the kitchen and install nice vinyl flooring in the rest of the house. This waits on my daughter buying her own place for herself and Jamie.

The other milestone is the legal settlement for the auto accident in July, which totaled Thing the Versa has been finalized. A nice check will be coming my way in another week or so. I was comprehensively bruised and badly shaken, besides sustaining some injuries which only became apparent afterwards. A good friend of ours, who is also Wee Jamie’s godfather, insisted that we should get an injury lawyer – a firm which he could personally recommend. So we did; it was a piece of good fortune for me, I suppose, that the other driver was not only clearly at fault (he bombed out of a parking lot and T-boned the Versa, passing by in the inside lane) but was also insured. This isn’t always the case, lately.

The payment won’t be enough for another car, as the injury lawyer assured me – but it will pay down a couple of outstanding accounts, mostly to do with the windows and the siding, and allow us to stay in hotels when we do book events a good bit from home. So, we are very happy with how 2025 is turning out for us, personally.