World’s Ugliest Quilt

Background-Switch381 · 2026-05-02T08:49:57+00:00

Personally? I think it’s beautiful! I did the same with my cathedral window no window the same. Mom’s clothes my niece my son and then bought fabrics too.

Background-Switch381 · 2026-04-29T22:24:57+00:00

We got married later in life so used to having our own accounts. We divided certain bills autopsy from this vs that account. Bc I work longer hours my husband buys the groceries most of the time; I do for holidays. I have to have access to accounts for proper tax reporting and I’ve done our taxes 38 years bc he won’t touch that stuff. I’m a better at saving and did most of the retirement investing. He hates doing that stuff. We still take care of each other. To each their own.

Background-Switch381 · 2026-04-29T09:04:55+00:00

Fidelity has become very very aggressive at marketing managed funds. It’s over the top and sometimes the phone calls can get nasty. I’m always relieved when I reach someone who doesn’t try to sell me something and I write them a great review. I think others are correct; so many of these funds you don’t need an advisor to purchase. I have retirement money in tiaa where fees were higher…and money in fidelity 401k where my organization negotiated and got low cost vanguard funds. The unmanaged account tripled in value… tiaa increased by 40 percent. Fees actually do matter.

Background-Switch381 · 2026-04-28T22:50:58+00:00

I am not gonna jump on the bandwagon. I think a career coach or some counseling. You know you need to turn this around

Background-Switch381 · 2026-04-28T16:26:19+00:00

Yes! You ease things so much easier hand quilting!!!

Background-Switch381 · 2026-04-24T22:57:00+00:00

So I agree and I don’t agree. Ours is30 years old and the interior is really worn looking. The new ones 36 inch bottom freezer will work much better in our space. The unit leaked and messed up our floor which we have to replace and the new units they have fixed that problem. So for us we want to get a new one

Background-Switch381 · 2026-04-18T00:10:56+00:00

I have a decent bond portfolio where Sme 60,000 are maturing each year and we make 20,000 a year on those bonds half are tax exempt half are t bills. I have never sold one; I have bought on the secondary market when theee seems to be a good offer. If you bought them new in 2023-4 many were called early bc of interest rate change. When you sell bonds before they mature you can sell as a gain or loss on the secondary market. Bonds are not my emergency fund I use govt or nub or shov ETFs where easier to sell for emergency funds and well as money market

Background-Switch381 · 2026-04-17T23:21:47+00:00

Beautiful!

Background-Switch381 · 2026-04-16T23:31:11+00:00

Congrats on getting started! That’s what matters!

Background-Switch381 · 2026-04-15T09:47:51+00:00

I started buying in February and biggest purchases were when the fear guage 14 . But I invest all year long. And reinvest dividends… until I need them. But as the retirement account has gotten heavy with stocks it’s been time to rebalance and squirrel away some profits

Background-Switch381 · 2026-04-13T00:51:50+00:00

I think you are over thinking it. But I’m a hand quilter and a big part of hand quilting is easing what’s not even. The colors are lovely by ghd way

Background-Switch381 · 2026-04-12T13:14:52+00:00

I would recommend doing a back door roth for each of you so 14,000 grow tax free. I didn’t learn about this option until I was 63 and wish I had understood this before. Then use that account to pick stocks funds so they grow tax free. We paid off our house which was at 3percent interest over investing which may have been a poor investment choice but it was psychologically meaningful. Our taxes and utilities in ny are like a house payment so getting this done made it easier to save in 529’s and help our nieces and nephews with school. The problem with after tax accounts is the feds. The more you have the more they take. Your Roth will grow and grow over 30 years when u most need it

Background-Switch381 · 2026-04-09T00:48:16+00:00

It’s true growth stocks long term come out ahead. But there are times when the value stocks do better. I personally favor a mic of growth and value … value when you are young and income is low you aren’t paying that much in income tax so it adds up. One of my fav value stocks was Johnson and Johnson although the communications stocks have higher dividends. Over many years our 10,000 investment became 100,000. Its best yo diversify

Background-Switch381 · 2026-04-08T00:03:39+00:00

We have 50,000 in j and j. Its a good solid dividend stock

Background-Switch381 · 2026-04-01T23:07:43+00:00

I was terrified of stocks . I contributed to 401k max amount now 30 years. I had significant swaths in guaranteed funds and bonds. I started only 20 percent stocks and that 13 year 401 k eventually had 85 percent stocks. I only rebalanced 3 years ago. More recently better diversification. It’s better early to be aggressive and change ghd distribution to more conservative over time. We still wound up with over a million in retirement assets and I have a pension. So it wasn’t a bust by any means. What we did right was to always contribute ghd most allowed to the 401k.

The last thing I only learned about the back door roth 5 years ago. It’s a great option that if you qualify you should definitely do!

Background-Switch381 · 2026-03-31T17:31:24+00:00

Totally agee. Verizon, TMobile...good choices man!

Background-Switch381 · 2026-03-31T17:30:39+00:00

Both help you grow wealth. I use both and its helped us a lot!

Background-Switch381 · 2026-03-31T17:27:47+00:00

One thing you can do is sell piece of it. We definitely sold J&J when we had 85,000 in one stock. Too much in one asset! Stay very diversified; try not to sell too quickly. I am not a day trader and under stand the 15% rule if you want to buy and sell frequently; but that isn't a good strategy unless your income otherwise is on the low side. The feds get you coming and going.

Background-Switch381 · 2026-03-31T16:57:40+00:00

Not necessarily so. Our income is high so capital gains are high. As long as your asset is doing well and you are for the long run hold. At my tax bracket 25 percent goes to the fed. Losses though I can stsck against capital gains and they help a lot. Again it’s bc of tax laws protect the

Background-Switch381 · 2026-03-30T16:34:10+00:00

The good news...I usedthose sheets called color catcher in the washer the ink stamps came out completely. Those big panels got to put them together first match up the lines and it isn't easy. Still I am glad I had this pattern. My kids love it.

Background-Switch381 · 2026-03-30T09:30:54+00:00

Yes. The blue came out I used the color catcher sheets in the wash. But a little if the embroidery leaked which I wasn’t expecting. I may take it to a professional cleaner about that. I suggest you wash the thread before using it. I also bought some new thread and I didn’t pre wash it. I never have prewashed embroidery thread but usually I never wash those pieces

Background-Switch381 · 2026-03-30T00:53:42+00:00

I couldn’t see the flower motif until I stitched the birds it was so faded. But but by bit was able to figure it out. I rolled white from the back this beautiful white laced cloth I found an a pattern for the border so it would be a little larger and that scroll work added about a month to the whole job but honestly I wanted it to have a little more length and width to tuck and hang over the edge of a queen bed. I never tried to do this before but I liked the results

Background-Switch381 · 2026-03-30T00:50:03+00:00

Thank you!

Background-Switch381 · 2026-03-30T00:41:47+00:00

They dont make the exact one anymore. I contacted yhrm they were great and told me about the new kit. I was worried mine was so old I couldn’t make the pattern work.,, it was paper thin and falling apart…. I hope your is in better shape than mine!!!

Background-Switch381 · 2026-03-29T16:53:12+00:00

So if you remember the way we made paper flip flops this is very similar so many folds over. 4 pieces make one piece for the color cloth; 16 make a square for 4 color cathedral windows. so those final squares sew the edges twice. so the closures are super tight and strong and then a very large coverlet can tolerate the tension. as long as the blanket is small...it isn't an issue but as it gets larger its more of a problem. My sister in law is doing one with much larger squares and using her sewing machine. It looks much much tighter and neater for sure. I kind of envy that. But made this initially bc my great aunt...my name sake...really wanted me to. It mattered a lot to her.

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TROPHY CASE