Planning on dropping Health Insurance. Change my mind.

   / Planning on dropping Health Insurance. Change my mind. #131  
Here it was the abortion and birth control issues that drove away the nuns... they fought it but lost.

The Hospital was 1950's and served over 80% without means... last it was 84%...

On occasion... I would loan or borrow equipment... Sister Superior kept the supply room key on a chain around her neck... never seen such accurate inventory management.

Anyway... I could have anything I needed and they could from me... BUT... for each item I removed she would look me in the eye and said I am responsible and if something happens she will come looking for me... all I could say is yes sister and then she would smile... going to Catholic School didn't hurt either...

It was really amazing the value they provided for the money spent... they also had a way to get medical professional to donate time...

The sister's departure has cost millions to replace...
 
   / Planning on dropping Health Insurance. Change my mind.
  • Thread Starter
#132  
I highly commend you for getting your financial house in order especially since you didn't have a good role model to teach you. BTW, divorce is the worst financial plan ever, that is why your dad lost the house. What he did with all the other money he should have had is unknown and sad. Had he invested it or paid off the house or what ever, he would be in far better shape.


That makes it a GOOD day!


They do something for gas and oil, they subsidize the suppliers.

My parents had two properties, my mom got one property valued more with 32 acres and my dad got the house (what he wanted) with 3 acres. There was no reason for him to lose the house, at the time he was running with a lady and they were blowing threw $1000 a night at a local bar, playing tickets, buying drinks, gambling on football games or what ever, he’s always drank heavily, he spent more time at the bar then he did at home when I was growing up.

A guy in the VFW one day told me 4 years ago that they were happy to see my dad come in because they knew they were gonna make money that night lmao! Many years after he walked away from that house. After he “cut back”
 
   / Planning on dropping Health Insurance. Change my mind. #133  
Here it was the abortion and birth control issues that drove away the nuns... they fought it but lost.

The Hospital was 1950's and served over 80% without means... last it was 84%...

On occasion... I would loan or borrow equipment... Sister Superior kept the supply room key on a chain around her neck... never seen such accurate inventory management.

Anyway... I could have anything I needed and they could from me... BUT... for each item I removed she would look me in the eye and said I am responsible and if something happens she will come looking for me... all I could say is yes sister and then she would smile... going to Catholic School didn't hurt either...

It was really amazing the value they provided for the money spent... they also had a way to get medical professional to donate time...

The sister's departure has cost millions to replace...

Probably doesn't hurt the bottom line that the nuns work cheap. And those running the hospital probably weren't taking in $10 or $20 million a year for their efforts.
 
   / Planning on dropping Health Insurance. Change my mind. #134  
OP, I read about 90% of this thread and there was some great posts. Do not know what you are going to end up doing, but it seems that you are pretty fond of your property.

If you don't have assets and you have a medical issue, but no insurance, the old saying goes, you can't get blood from a stone. BUT since you appear to have substantial equity in your home, having no insurance and running into a health issue could result in significant financial loss .

I think the vote is almost unanimous, get health insurance.
 
   / Planning on dropping Health Insurance. Change my mind. #135  
   / Planning on dropping Health Insurance. Change my mind.
  • Thread Starter
#136  
I have chickens here. Not to sell eggs and not 80 chickens. I have enough to supply myself and the kids with eggs.

With the cost of laying feed, I would have allot of chickens to be able to sell enough eggs to make any money

I have been repairing fencing around the property with the thoughts of getting into cattle. Problem is, Everyone I talk to around me says, it's fair amount of work and there really isn't much money in cows.
When I ask them why they have cows, they say, I don't hunt, I don't fish, I don't golf, etc,. I have always fooled with cows. they are just my hobby.

Well, I really don't need any hobbies where I have to put a good amount of work into it.

Older fellow up from me bails hay from his property. Large round bales.
I asked what he does with the hay since he has no cows.
He says, I sell it and make money.
I ask him how much for those large round bales of hay ? He says $30-$35.00.

I ask him how much he has in his hay equipment ? He says probably 100K, or so for equipment. Then, I have the hay fields sprayed for weeds and have them fertilized by a company

I ask him how he figures he's making money selling hay for that price with that much money invested ?
He answers, I guess you could say I'm doing this just for something to do ! LOL

I would buy my chicken feed from the Feedmill that was over an hour away from my house because of their prices. I would buy 1000 to 1200 pounds of chicken feed at a time at around nine dollars a bag. It was pulverized corn with supplements, chickens loved it and it was pretty cheap on the pocket book.

It depends on cattle, It depends on how much pasture you have, how you maintain that pasture, what you feed them to finish them off and your whole set up in general for example access to water etc.

With cattle pasture rotation is key, you can’t let the cattle over graze and keep the grass cut short or it will stunt the grass and it won’t produce as much forage per acre. You also have to have a weed management program in place or weeds will take over, as cattle eat the good forage it’s less competition for the weeds and they get bigger and spread killing out the grass. I had to let my pasture recover this spring and let it grow up.

I learned a lot about grass when I got into hay, it’s important the first cutting be later and let the grass to root, the taller first cutting is more fibrous and less energy, the second cutting is usually a short grow period, this hay will be high energy, much less fiber, highest alfalfa and clover mix and is most profitable, 3rd cutting needs to be timed in a way that you give the plant enough time to recover for winter.

Maintaining a pasture is much the same as growing quality hay, instead of cutting and bailing the forage, the cattle eat it, your growth cycles (first, second and third cutting) will be pasture rotation, let one pasture recover as the other is being fed.

Once you have a good system for cattle, it’s pretty easy. My neighbor has cattle and a guy gives him brewers grains, he feeds some to my cattle when he feeds his cattle, I have a lady bring me bags of Panera bread, left overs that the store couldn’t sell, I feed that to my cattle and give what I don’t need to my neighbor to integrate it into his feeding program. Baked goods are very easy on cattle’s stomach, it’s easy for them to digest it because the grains have been baked. We feed stuff like this to our cattle instead of grain like corn, we will buy corn when the brewers grains and bread dry up which they do now and again. Another good feed is pumpkins, after Halloween collect pumpkins, buy unsold pumpkins from nursery’s, stores, farm markets etc, some will tell you to take what you want. Cattle love pumpkins, cut the stem out, step on the pumpkin to bust it open and throw it in the feed troth and the cattle have a ball, they eat about 80-90% of it. So cattle can be expensive but as a hobby it can also be very profitable. Cattle will eat table scraps of vegetables, bread etc, you can put the word out for local business to save stuff for you, we have neighbors around here that feed my neighbors cattle that are closer to the road, I see them out there a lot feeding them bread or table scraps. People will gladly donate stuff that otherwise would get thrown out if it goes to cattle or livestock.

I will warn you though, don’t plan to raise the cattle to eat yourself, I thought I would save some for myself but every year I sell it all, I just can’t bring myself to eat my own cattle.

Just yesterday my steer got out of my pasture and broke into my neighbors pasture, neighbor woke me up lol when he called me up and told me the steer was in his pasture, I got ready, found out where the steer got out and walked into my neighbors pasture to find his helper trying but failing to get my steer to go from Pasture A, to pasture B that boarders my pasture. When I walked up in pasture B my steer saw me on the fence line and it looked like he got excited to see me, it felt like a dog excited when I first come home. I met the steer at the spot he needed to cross at, he came trotting over and walked right threw for me, I walked threw pasture B and he stayed close paying no attention to my neighbors cattle in the same pasture, I walked out of pasture B to my pasture and instructed my steer to go in and he very willingly walked in for me, I had my halter but didn’t need it, he acted more like a broke horse then he did a bovine.

Cattle know people, my cattle have always trusted me, I am the only person that they will allow to approach if they get out or are stressed, my neighbor and his helper scare my cattle, they will run away from them and won’t do what they want, same as his cattle for me. So when MY cattle get out, no matter what I have to get out there to get the cattle or it’s a losing battle for even someone that has cattle unless they know how to rope it lol. I have helped my neighbor get his cattle back to his pasture but he has to take point and I just cover holes the cattle can run threw, when cattle get stressed they turn more into a rhino lol, they drop their head and try to make a way to escape when they are cornered, it can be a small opening and they will blast threw it.

With all that being said having cattle is a lot of fun, I have it now where I rarely have to haul water (few times during summer, once a week in the winter), I have rainwater being collected for my cattle, now that I have only one steer, I didn’t have to supplement him hay, I am now due to the grass is stunted but I feed with round bales so one bale every 2-3 weeks per head in the winter. So the past year has been little work. Setting up for cattle is a lot of work.

Another point is, if you collect rainwater and don’t clean your waterer but a few times a year, drop in 4 or 5 feeder goldfish in the waterer, they help clean the waterer and provide better water for the cattle. I have been told by horse people that the horses preferred drinking out of the waterer that gets cleaned a few times a year but has the goldfish ca the waterer that gets cleaned weekly due to it being more accessible to be cleaned regularly, that waterer did not have goldfish in it.

Also my buddy’s GF has horses at a near by horse ranch, he’s friends with another horse owner that lets him use their trailer, they gave me permission to use the trailer also. I fold the divider and haul my cattle with it so I don’t have to own a stock trailer.

As far as round bales goes, the farmer will have $15-$20 in each bale after fuel (cutting, raking, baling, fertilizer etc). If he sells for $30-$35 he’s making about $15 per bale. First cut, second cut and third cutting is valued differently. Around here a 4x5 first cut is $25-$35, second cutting $30-$50, third cutting $35-$45. There is a lot of money in hay, if you can sell all you bale and you have a lot of ground.

A good trick with chickens I found out is to collect chopped up leaves off your yard and use it as bedding for the chickens, it gives them something to route threw and eat but it also is more springy for when when it gets cold out, bedding like sand will be like a rock for them in winter, when they fly down from the roost they much prefer landing on a bed of chopped up leaves then wood chips or sand. I layered their bedding in the winter, once a week I sprinkled more bedding in there on top of the leaves, like pine chips from the store or some straw, I would rotate the bedding I used. I chopped the leaves with the lawn mower, collected it and spread it about 10in thick in the coop, my coop was a few horse stalls so it was a lot of leaves lol.
 
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   / Planning on dropping Health Insurance. Change my mind. #137  
Years ago a neighbor's BULL wandered into my garage...full of cars, tools, equipment, parts. I thought holy...he11!
He wandered all around, I opened the opposite garage door, couldn't believe he didn't hurt a thing! BULL in a China shop story isn't true.
Then I go outside with a big rope, lasso him, then quickly wind end around a big tree. I thought I could hold on...may as well have been a freight train. About that time I see a cattle truck stopped on road, and several of us got him loaded on.
 
   / Planning on dropping Health Insurance. Change my mind. #138  
   / Planning on dropping Health Insurance. Change my mind.
  • Thread Starter
#139  
Years ago a neighbor's BULL wandered into my garage...full of cars, tools, equipment, parts. I thought holy...he11!
He wandered all around, I opened the opposite garage door, couldn't believe he didn't hurt a thing! BULL in a China shop story isn't true.
Then I go outside with a big rope, lasso him, then quickly wind end around a big tree. I thought I could hold on...may as well have been a freight train. About that time I see a cattle truck stopped on road, and several of us got him loaded on.

Cattle are incredible strong animals, they are very hard to manage when they are stressed, they will run and use every muscle in their bodies to accomplish their goal of escape. They also aren’t clumsy like “Bull in a China Shop” would suggest.

In a pasture cattle are easy on fence, they don’t test fence like a horse will, goats are prob the worst on fences, they climb.

I heard Vegans make this point when it comes to protein, the strongest animals on the planet are plant eaters, rhinos, gorillas, elephants etc. cattle are also very strong.

I buy hay that tests around 20% protein for my cattle, there is plenty of protein in grass lol. I’m not a plant based vegan, I would like to be, I think it’s the healthiest diets out there. I think the American diet is killing us, we have statistics to prove that. That would be a odd combination, vegan hobby cattle farmer
 
   / Planning on dropping Health Insurance. Change my mind. #140  
Myth Busters did a piece on the proverbial bull in a china shop.... quite amusing...

 

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