Yesterday DH found our regular visitor black feral cat lying on our deck. It had been hit by a car and hobbled on its three remaining good legs to us. DH announced he'd take the cat to a vet. I announced we weren't going to pay surgery costs for a cat we don't take in at night. I telephoned the city animal control, seven minutes after the close of operating hours, and learned that the emergency vet hospital twelve blocks away from us has a contract with the city. We could take the cat in and not pay for its surgery: a win-win situation. Animal Control telephoned the hospital even to tell it about the incoming cat. So the cat is likely postsurgery, in a cage, doped up, maybe with four legs, perhaps with three. I hope it can be adopted. It's fairly people-friendly, just doesn't like to be picked up.
The feral cat was once a neighbour's kitten. The neighbour leased a house for over a year and did not make any rental payments, so the homeowner (a friend) was facing foreclosure when she returned from India, after tending her ailing mum. They abandoned the kitten when they moved. My neighbours don't waste opportunities to reinforce my notion that people are terrible.
Saw Consumer Reports' flowchart Know When to Buy a New Car. I would change the chart to include a question box "Are annual repair costs twice as much as insurance?"
I liked the Lifehacker reader comment
"A fixed expense -- with a new car with warranty, and a decent down payment will put you almost invariably into a safer, more reliable car."
My repair costs have been negligible. The real cost is the insurance. The car is more than halfway paid for, thanks to a decent down payment. I have a spreadsheet in which the anticipated principal paydowns and ultimate payoff balances vary depending on what our cash reserves look like. My debt philosophy can be summed up in one picture:
Experimenting with a fermenting a ginger bug, hoping to have some fine ginger ale or reasonable facsimile (i.e. "Dark and Stormy") on Mother's Day.
I created a personal NHL Bracket Challenge 2015 Paydown scheme, one dollar per point I have in the bracket challenge. The Western Conference (or Clarence Campbell Conference, as I like to call it) was hard for me, especially as I didn't know one team was content to just skate for a paycheque and getting into Round One was just enough for them to prove they improved with a new coach. The Prince of Wales Conference (or Eastern Conference to you) was much easier to predict. I'm at a lofty 56 points, 76 percentile, because I predicted the Wild to beat the Blues (wish I could beat the Blues, perhaps I should turn Wild), and the Capitals to wipe out the Islanders. Apparently many, many other people thought otherwise.