I finished Distant Shores by Kristin Hannah.  I thought it just okay.  There are other books by her that I have like better.  I had this book, The Sister Season on my shelf so picked it up after Distant Shores.  I didn't like it.  One of the superficial reasons that I didn't like it was the cover.
 Had I not just read How I Came To Sparkle Again (which I loved), I never would have noticed the recycled cover art.  On the cover of The Sister Season the girl in the red plaid coat is carrying a Christmas package and on the other book she is carrying an envelope.  Nevertheless it is the same picture.  It just really irked me to no end.

I am almost finished listening to the second Maggie Hope book, Princess Elizabeth's Spy.   I wasn't able to renew it through the library, so now I'm on the wait list.  Hopefully my wait isn't too long.  I was so close to the end.

Happy Yarn Along Wednesday!

Dye Your Yarn has some great formulas to follow for some pretty cool colors.  I used ice blue lemon aid, black cherry, strawberry, and lemon aid.  I tried to follow the chart from the website, but came up with some other interesting colors.  I found the black cherry kool aid to be the strongest (and perhaps a bit overpowering) color so I am glad there is still some white showing.

I had envisioned a blue, green and yellow yarn but when I couldn't find any lemon lime kool aid, my plan changed.  And Corrine voiced her opinion when she wanted "pink" kool aid.  I am going to use this funky, tie-dyed yarn to make a vest for Corrine.

We will plant these seeds of Friday.  Fingers crossed they actually come up.  Did I mention the seed is old?  Most of the packages were from 2005 and ten or so were from 2006.   I planted cucumbers last year from 2005 seed and some of them came up.  It will be interesting to see what the germination rate is on almost ten year old seed!  I bet some seeds sprout and we'll have beautiful flowers on our fence.

One of the topics in Dave Ramsey's Financial Peace University is about insurance.  Specifically life insurance.  Dave has some pretty strong feelings on life insurance and since he is the professional and I have heavily in debt, I'll follow what he says.  Dave says get term life insurance for ten times your annual salary and not a cash value plan.  A term plan is for just that, a term.  A cash value plan is an insurance plan and a savings plan all wrapped into one.  However the returns on a cash value insurance plan are horrible.

After the lesson I went home and checked out my life insurance policy.  Yep, sure enough I had a small universal life policy.  Upon further checking I had actually lost several hundred dollars over the years.  I immediately cancelled the policy (which by the way Dave says don't do until you have another policy in place).  I just couldn't stand the thought of losing more money.

Dave recommends a company in Nashville (where he is headquartered) to shop for insurance.  The company Zander Insurance will look for quotes for all kinds of insurance...life, auto, health, disability, etc.  I got on line and got a quote for a term life insurance policy and the original quote was $350 a year.  Not a bad amount.  I filled out the application and they sent a nurse to do the medical exam.  Six weeks later I got the news that due to my type 1 diabetes my insurance rate would instead be $1900 a year (that did include a $50 child policy).  WHAT?!?

OK.  So they didn't outright deny my application for life insurance.  But they certainly made it impossible to afford.  It was a very frustrating setback.  We are only on baby step one- saving a $1000 baby emergency fund.  There is no way at this point in time to spend $1900 a year for life insurance.
And I'm sure as I get older it will only get more expensive.

I will have just to settle for the time being with the life insurance that I have through work.  The company has a policy in place in case I die in a fiery plane crash.  My family will receive a payment equal to my annual salary.  I also took out a supplemental policy through our benefits program.  That will have to suffice for now.   This getting our debt thing is difficult and I know there will be lots of setback along the way.  I just need to learn to take it in stride.

Spring is close.  Oh so close.  Everywhere I look there are signs of spring.  Rhubarb is peeking through the dirt.  Tulips are springing up.  And the strawberries are coming up through their protective mulch.  Even the weeds are sprouting EVERYWHERE!

We started digging in the garden today.  Corrine and I.  She looked for her worm family.  Mama turned some wet compacted clay soil.  It amazes me that after so many years of amendment and compost there is still so much clay.  She was excited to plant some seeds.  I had to disappoint her and tell her we weren't quite ready.

But we're getting close!