Adventures In Buying a KIA Niro

by | Jun 5, 2025 | Energy Efficiency, Ruminations

Buying a KIA Niro in the fall of 2024 ended several months of seeking the best car for us. Our Chevy Cruze was serving us well. We liked it but it was a low-set vehicle. At pushing age 76 we were finding it harder to get in and out of it. So, we went on a quest seeking an ideal car.

We wanted a car that was easy to get into and out of, got exceptionally good gas mileage, was comfortable to drive and ride in, and was well built and durable enough to last for years.

EV or Plug-In Hybrid?

Although we were intrigued by an electric car, often travel takes us to rural areas where charging stations don’t yet exist. So, we sought a plug-in hybrid that would let us buzz around town on battery power yet allow us to use gas for longer jaunts.

McGrath Motors

We needed help locating the right car for us. Garrett Ellard at McGrath Motors in Cedar Rapids proved to be an outstanding resource. He listened to our needs and had us try a few models. One was a plug-in KIA Niro, a model we had never heard of. We liked it and purchased it through KIA’s lease-to-own program. This reduced the purchase price, but became complicated and problematic.

Complications

We picked the car up in November 2024 and have been driving it for half a year.

Here are aspects of the car we like:

  • It is easy to get in and out of, and is comfortable to drive and ride in.
  • The plug-in electric feature is outstanding. We plug it into a 110-volt wall outlet. We didn’t need to hire an electrician to install a faster charger.
  • KIA says the car will run on battery power for 33 miles when fully charged. As expected, it does somewhat less than that during very cold weather, but exceeds the range during warm days.
  • The car seamlessly switches automatically from electric to gas power when the battery is depleted. It has equal and plenty of power, whether in battery or gas mode.
  • When driving on trips with the battery depleted, the KIA gets over 50 miles per gallon on gas. Once with a headwind, it exceeded 60 mpg.
  • Safety items are amazing.

Here are a few things we found challenging or perplexing:

 

  • KIA’s lease-to-own program: We were told that we’d receive a purchase price about $4,000 lower if we leased the car for three months and then made the purchase. That is a chunk of money, so we chose this. It became a frustrating, time-consuming process. We thought when we paid for the car in February 2025, we’d “own” it, but it initiated two months of signatures, changing out temporary plates, and just plain aggravation. Perhaps the dealer or KIA didn’t want us to buy the car, but just continue to lease it. This was resolved, but if the option of lease-to-buy comes up in the future, we would approach it cautiously.
  • The electronics are amazing and do remarkable things, but many of them we don’t need or use. For example, it’s easier to turn on the radio in our 19-year-old Chevy truck than in the KIA. Feel for the knob and push it. With the KIA, one has to take their eyes off the road, if the driver, to find the radio function, if it is not one, and push the screen. Seems dangerous. The Cruise control is harder to use than in our old car, and when it’s not on, it’s difficult to manually hold the car at a steady highway speed. The car wants to go faster than the speed limit!
  • The gearshift is actually a wheel. Again, the driver has to take eyes off the road to determine if in drive, park, or reverse because the gear shift is between the seats. Also, dangerous because the shift can get bumped and then create situation of loss of control of the car. A gear shift lever is safer. We are used to the wheel, but it is unsafe.
  • What WERE the engineers thinking? Novelty is one thing, safety another. We vote for safety.

All in all it’s a great car. 

 

A Penny Saved is a Penny Earned*

by | May 15, 2025 | Preparedness, Ruminations

*Apologies to Ben Franklin*

It’s funny how quotes get attributed to people. Franklin might not have actually said the quote above, but he did have the right idea with his quote: in the 1737 Poor Richard’s Almanack: “A penny saved is two pence clear.” When you save something today, it likely will grow in worth over time.

We are on the far side of age 75 and enjoying financial security that has resulted from a lifetime of careful spending, good advice, and a bit of luck. A penny saved here and there added up.

We’re not financial experts so this is just how a lifetime of money management enabled us to emerge into good money health despite years of lean income.

Over many years of talking with people facing financial stress we often hear them say, “I need to find a job that pays better.”  Well, you might not need to do that.  You simply need to spend less and perhaps live in a more affordable geographic location. Dr. Laurie Santos, professor at Yale University, hosts a series on the Science of Well Being. She also hosts a six-week course, the Science of Well-Being for Teens. Participants look closely at their lifestyles and where they spend time and money that drain them, causing them to think they need more. Often it is not true. It’s a great course to take online.

Our Background

We worked in the nonprofit sector, which provided slim salaries and sparse benefits. We liked what we did so never felt compelled to change jobs for better pay. Rather than seek higher pay we used what money we had efficiently.

Financial Philosophy

Coins - pennies, quarters, nickels, dimes.

A Penny Saved is a Penny Earned

Our basic financial philosophy is that however much money a person earns, if he/she spends a little less and consistently invests the difference, financial health increases.  Of course, that was partly back in the day when financial institutions gave better interest return on money customers deposited.

 Decades Long Strategy

Here’s what we’ve done for over a half century to be financially secure.

  • Avoided compulsive, ego spending. Keeping up with the Joneses costs money.
  • Developed a long-term relationship with our bank and brokerage as partners. Their advice is free.
  • Avoided paying rent and borrowing money. Yup, we drove old cars we could pay cash for and regularly put money in the bank. This earned us interest and avoided loan interest. Then, when we needed to buy a car, we withdrew money and paid cash. We rented apartments briefly but invested in a house purchase. Because we live frugally, we were able to pay off a mortgage early. Now our housing costs are utilities, taxes, and maintenance. No monthly rent or mortgage!  It’s a pay-as-we-go philosophy.  Granted, we did not “enjoy” some of the exotic trips or coolest stuff and we are better off for it.
  • Avoided voluntary taxes. People complain they don’t want to pay taxes. (Benefits exist to paying legitimate taxes) Then, what do they do? Some buy tobacco, alcohol, and gamble.
    By doing so, they pay self-imposed high taxes and often end up with health issues. We’ve never smoked, don’t gamble, and enjoy a beer or a sip of wine occasionally. A pack of cigarettes in Iowa costs about $9. If we each smoked two packs a day, our daily cost would be $36. That’s over $13,000 a year. If we’d done this for our 50-year marriage we’d have spent far more on tobacco than to buy our home.
  • Embraced life cycle cost. For example, it’s common for the least expensive refrigerator to consume the most electricity. Life cycle cost means figuring out what an object will cost during its likely lifespan. Usually paying slightly more upfront for a well-made, efficient device saves chunks of money over time. Energy efficiency saves money! BTW, ditch the inefficient refrigerator or freezer you’ve held on to. Recycle it. Likely you don’t need all the extra stored food. Your electric bill will go down and you have more space in your home.
  • Embraced inexpensive recreation. People often carefully calculate the cost for business and home functional items, then spend ridiculously on recreation.

Hobbies

Rich’s hobbies are reading (library books are free), walking, birding, and fishing. He also scrounges and crafts items like bird feeders. 

Fishing’s a good example. It can be expensive but doesn’t have to be. A cheap rod and reel costs about 30 bucks and won’t last long. A better one costs about $100 and is durable and efficient, but the very best is around $500. Sticking with the $100 model is the most cost efficient…..and he catches fish from an ancient rowboat purchased at a garage sale. In contrast, an expensive powerboat and electronics need insurance, storage, maintenance, and fuel. Not needed for catching fish.

  • We love gardening, which helps lower food costs. Even a small patio can support vegetables you may enjoy.
  • Avoid being nickel and dimed to death. It sounds cheap. Only eight dollars a month for a streaming service. $96 a year. Multiply that by six streaming services and that $96 a month costs close to $576 a year. All sorts of other things that seem cheap per month put a constant drain on finances. A few bucks here. A few bucks there. They add up!
  • Use our credit card carefully and always pay off the balance on time to avoid interest costs.

Final Words

The upshot is, most people do NOT need to earn more money, they need to learn to use what they have wisely.

We spend carefully yet live richly and have avoided the terror of a heavy debt burden. Our financial strategy has led us in a good direction and we believe it may help others to achieve the same result.

Keweenaw Peninsula By Winter

by | Apr 17, 2025 | Geology/Weather, Nature, Travel/Columns

Quincy Warmth

After a short walk through deep snow in the bitter cold, we entered a dimly lit tunnel. As we stepped into Quincy Mine’s long tunnel we were surrounded by warmth. Well, the warmth was relative. Outside it was below zero but inside the tunnel was a balmy 43 degrees.

We visited Quincy Mine in Michigan’s Keweenaw Peninsula in frigid February, but if we had been there on a blistering hot August day the mine’s interior temperature would be a delightfully cool 43 degrees. It’s always that temperature in that tunnel deep underground.

No matter the season, the Keweenaw Peninsula is a fun place to visit. It juts upward into Lake Superior. Lake effect snow piles deeply each winter, but in summer the Lake sends cool breezes inland.

“We Do Winter Well”

This claim by Visit Keweenaw advocates is no exaggeration. Residents navigate steep, snowy streets with aplomb. Some travel by snowmobiles to work, take a short spin during lunch breaks, and motor on home after work. They dress warmly and relish the cold. The area welcomes winter visitors who enjoy downhill and cross-country skiing, snowshoeing, snowmobiling, shopping, and meals of grilled lake whitefish and locally made pasties. More about them later. Broom and ice hockey regionally and at the Michigan Technological University draw in families by the dozens.  The Huskies, sometimes known as the “Stick Huskies” – think hockey – compete, creating fabulous ice sculptures that dot the campus and area.

Shopping and dining are equally fun in summer, and warmer weather offers boating, swimming, fishing, and sightseeing. During warm months, visitors can book a ride on boats taking them to the distant Isle Royale National Park.

What and Where Is the Keweenaw?

The Keweenaw is actually a peninsula on a peninsula. It’s attached to the relatively wild Upper Peninsula, but interestingly it’s no longer a peninsula at all. Originally a natural inlet extended most of the way across the peninsula’s base. To facilitate shipping, land was removed, extending the inlet into a canal and making the Keweenaw an island.  Today the main towns of Houghton and Hancock face each other across the Portage Canal and are separated by one of the world’s largest lift bridges. In summer, dozens of boats motor by, including some large ones.

Copper Country

For us touring Quincy Mine was a visit highlight. For nearly a century it produced thousands of tons of copper that helped America electrify. Quincy is only one of several that once operated in the area but they all were abandoned when less expensive, open pit mining got established in Utah.

Today Quincy Mine welcomes people to tour its towering surface features that pulled ore up from upwards of 9,000 feet underground. Down that far, the temperatures were blistering 80+ degrees. It was amazing, but we were more fascinated deep down in a mine tunnel when our guide, Clayton Gomez, stopped our small group and doused the electric lights, leaving only one candle to illuminate the vast darkness. “This is how much light miners had as they used muscles to drill into the rock.”

“They’d then stuff blasting power into the hole and set it off.  Afterward they loaded the loose stone in carts and pushed it to a shaft where a lift carried it to the surface. It was dangerous and hard work. They earned $2 for a 10-hour shift,” he added. Some of us tried to muscle the heavy cart to little avail.

Initially, the demand was for highly skilled workers in teams of three. One held an iron bar, two alternated hitting the end.  In between the one holding the bar, turned it slightly so it would not lodge in the rock. At best this would be dangerous. Done by candle light, required cooperation and skills. Mining innovations changed that. Men worked alone so if an accident happened, they might not be found for hours.

Clayton ended our tour with this thought: “Holes in the ground all we have left to tell the story.” But, he pointed out, copper remains such an important part of our lives. Computers, cars, cell phones.

Who Were the Early Settlers and Miners?

The workers, immigrants from the Cornish region, were small, tough, wiry. In the paternalist setting where they received housing and a few amenities, if one got injured or killed, the family was forced to move. After a sweat-soaking shift, the men would change into clothes and step into the sub-freezing weather and trundle home. Only to repeat the process the next day.

Other immigrants from northern Europe arrived and took to the cold, snowy climate. Today skiing and ski jumping are hallmarks of the Nordic heritage. Evidence of the Daughters of Italy, Sons of Norway, Canadian, Finnish and Cornish ancestry highlight the area.

Although mining is now long gone, a delicious traditional food remains. A meat and vegetable pie called a pasty is tasty, nutritious, and portable. (Say the word with a short “a” so as not to confuse with an accoutrement of pole dancers.) Miners would bring this traditional Cornish meal with them as they descended into the pit and enjoy it for lunch.

Many local stores and cafes now sell pasties and we ate several during our stay.

We also enjoyed taking a sauna at Takka Saunas on a frigid day. After sitting in a steamy small sauna building, we dashed out. Marion did the traditional Finnish tradition of laying down in the snow making a snow angel. Rich only stood barefoot in the snow. A sauna part of Finnish culture is fun in any season.

 

Keweenaw Mountain Lodge

Massive fireplace at Keweenaw Mountain Lodge.

Dark sky and slow travel haven.

Part of our adventure was finding respite at the Keweenaw Mountain Lodge.  Some in our group snowshoed. Others lounged in the rustic ambiance. Adjusting to “slow travel” and learning more about the dark sky options. As the lodge owner stated, “We lean into what is authentic and unique.” Heated cabins and groomed trails beckoned. The chef creates delicious picnic baskets and the Tasting Post features a “slow dining” experience. On clear nights the aurora is spectacular.

Jibba Jabba

We went to the Keweenaw for the annual Jibba Jabba Railjam. Dozens of young competitors climbed the manufactured hill in downtown Houghton and took turns sluicing down the steep slope, riding rails, swooshing through the tunnel, and spinning to a stop in front of hundreds of enthusiastic spectators. For days ahead, city crews had hauled in and packed snow at just the right angle on one of the steep streets that are hallmarks of Houghton. The result? Fast speed and thrilling rides down the course.

Getting There

Five hundred miles north and slightly East is the thumb of the Keweenaw that juts into Lake Superior.  Houghton, MI, is Eastern time so we lost an hour. We took two days going, stopping to walk a special labyrinth in Westfield, WI, and overnight at Rhinelander, taking in the Hodag Hunt. These mythological creatures frequent the town and purportedly the nearby forests.  We did encounter several in town, which was fun. Eagle River is worth a stop with a terrific coffee shop and amazing annual ice sculptures.

After two hours of snowy and scary driving we found clear pavement.  Good thing we have advances in car technology and road safety. We stayed on our side of the road because of the center and side rumble strips. No “good ‘ole days” for us.  We prefer safe cars and roadways.

We drove back in an easy day as we gained an hour.

For information on what to do at the Keweenaw and where to stay check out Visit Keweenaw.

We were there during winter’s icy grip but a future visit during summer’s warmth is in our plans.

 

Tools to Help With Yard Work

by | Dec 5, 2024 | (Sub)Urban Homesteading, Energy Efficiency, Garden/Yard, Garden/Yard

*Note: Below are just a few examples of several power tools we’ve purchased.  They were pricey but made yard work so much easier than with muscle-powered tools. Occasionally, a company asks us to try a product and give reviews.

Yard work was a snap when we were in our 20s. That was a half-century ago! How can that possibly be? Years slipped by. We’re just as eager to mow grass, rake leaves, plant gardens, prune shrubs, and shovel snow, but muscles and joints make the work challenging. Fortunately, we’ve found ways to make yard work and house repairs easier for us as aging homeowners. People with reduced strength or mobility and even younger people with busy schedules will find these tips handy.

Here are some ways we’ve made yard management easier:

Invest in Tools

Tool companies have made yard care easier and safer than in the old days. We used to use muscle-powered tools to trim hedges and shrubs, cut and split wood, rake leaves, move snow, and till the garden. As we got older we began investing in power tools that make the work easier and faster.

For example, an old fashioned “weed wacker”, powered by arm muscles, cut down tall grass growing into pathways and our woods. That got harder each year, so we invested in a Milwaukee brand battery-powered tool that fuels a weed cutter, pole saw, and hedge trimmer. The work is quick and easy. Same with our lopping shears for trimming trees. A battery-powered pruner does the tough cutting easier than hand muscles.

We always had a gas lawn mower but often struggled to pull the darn starter cord. When EGO came up with a battery-powered mower we eagerly bought one and got rid of the old gas mower. The EGO starts by pushing a button, and it’s self-propelled. We have to walk behind and guide it, but it chugs along under its own power. That’s especially helpful when we mow trails on our hillside.

EGO snowblower

The EGO snowblower starts with a push of a button.

Snow shovels! Well, we still have a few and use them in tight spaces, but our relatively new battery-powered snow blower makes clearing our 440-foot driveway a snap and eliminates the need to lift heavy snow and pull a starter cord.

 

 

 

 

 

Those are just a few examples of several power tools we’ve purchased.  They were pricey but made yard work so much easier than with muscle-powered tools.

Hiring and Borrowing

This past season we did a “first”. We hired a young woman to help with gardening.  And, we sometimes hire a local teenager to mow our lawn. Years ago we wouldn’t have dreamed of hiring anyone to do what we could do. That’s changing. Having extra hands to help is money well spent.

Man on John Deere Tractor with small cart behind to haul wood.

The tractor made hauling wood easier.

It’s not always hiring help. We swap. By late October Rich had cut and split a small mountain of cordwood we’ll use to stay warm this winter. There was a problem. It was on the north side of our property and down a steep hill. In past years he’s hand carried it uphill. Not a small task to muscle 2000 pounds of wood in 50 round trips carrying 40 pounds up the hill each time. Whew. This year a neighbor came to our rescue. Rich borrowed his tractor and trailer and moved all the wood up the hill in a jiffy.  From time to time, we have loaned him some of our tools in exchange. Borrowing works both ways.

We pride ourselves on our independence and take joy in yard work, but we just turned 75 and aren’t quite as frisky as we once were. Using power tools, hiring help, and cooperating with neighbors all make keeping up with the yard easier.