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  1. Badger

    Getting a new mortgage when retired.

    There is always a lot of home construction in my area where older houses are knocked down and replaced with new larger homes. One thing that I frequently see is many of these old homes are left with one exterior wall still standing. I was told that it would mean the construction is a remodel...
  2. Badger

    What is the last thing you ordered from Amazon?

    I ordered one of those jar openers that you attach to the bottom of the kitchen cabinet. Arthritis in my hands makes opening jars too difficult anymore. This should work.
  3. Badger

    Fentanyl Dangers

    I never tried anything other than a little cannabis in the 60's but stopped that in the early 70s when it was starting to be laced with dangerous chemicals. After each of the many invasive surgeries in the past 12 years I was given various types of opiates for pain but I even quit those after...
  4. Badger

    awash in space aliens

  5. Badger

    A Friend in need , how can I help

    Thank you. He was a good friend I had known since 1962. There was never a cross word between us all those years. The last few years he was so depressed that I don't think he could mentally function effectively. I even went to some Al-Anon meetings to help me understand the problems. They...
  6. Badger

    Naked Gardening Day 2024

    I don't think I want to see all the old bouncy parts from some people while they are playing. It would be too distracting
  7. Badger

    awash in space aliens

    I think those are the people who were part of a failed experiment when the aliens were doing their genetic modifications. 👽
  8. Badger

    A Friend in need , how can I help

    I went through this with my closest friend for more than 50 years. He used to tease me for being frugal, saving and not taking advantage of borrowing on credit as he bought new cars every couple of years, never considered having a budget or saving, etc. I used to make the 3 hour drive once a...
  9. Badger

    In Your City - What Are The Most Desirable Neighborhoods and Why?

    I spent 5 years pre-retirement searching for the ideal place before realizing I was already where I wanted to be based on my criteria. We are in a small beach town in north Florida about 5 minutes drive to a military base that we can use with all the amenities including commissary, exchange...
  10. Badger

    Credit Union financial advisor ?

    Almost sounds like something I could have written. It was a pleasant meeting but he agreed that he couldn't do better than what I was already doing and annuities did not make sense based on my situation. My Wellington is in an IRA and I take the dividends to use for my RMD that Vanguard does...
  11. Badger

    Restaurant adding fee for use of credit card

    With so many fast food restaurants changing to kiosks where you have to use a CC it seems to me that they are going to benefit in a few different ways from reducing paychecks and benefits (once the capital expense is paid off) to charging a fee for using a CC that customers will have no...
  12. Badger

    Job without 401K

  13. Badger

    Vanguard brokerage fees email

    This seems a little harsh. Many people have opened accounts when they were younger but time and mental decline for some is an issue as they age. What was easy to navigate before may now be more difficult, frustrating, and challenging. The result is they are afraid to make any changes on their...
  14. Badger

    Restaurant adding fee for use of credit card

    Exactly!!! Another reason among many others why I rarely eat at a restaurant.
  15. Badger

    Use It or Lose It Letter From Credit Card

    I have a debit card that I obtained years ago just to access ATMs when traveling. I leave my CCs home. I kept a few thousand in it but not enough to worry about if it was stolen or hacked. I haven't used it in at least 5 years since traveling stopped for me. I have received a letter from the...
  16. Badger

    QCD confused

    Thank you for all the replies. It appears that as long as the QCD check the custodian sends me is made out to the 501(c)(3) charity then I can deliver the check and that amount will be excluded from my AGI for the year that would be indicated on 1099-R. The balance of my RMD will be...
  17. Badger

    QCD confused

    I have considered making a donation to a 501(c)(3) organization but confused from the instructions by the company holding my tIRA account. I was told by the rep that I provide the name of the 501(c)(3) organization and the amount I am requesting. They would then send me a check that I would...
  18. Badger

    What was your happiest moment today?

    Enjoyed watching the Piliated Woodpecker and Red Shoulder Hawk this morning while working in the garden. Bees were checking out the volunteer sunflowers I transplanted a couple of weeks ago.
  19. Badger

    What is your pet peeve of the day? -- 2021

    We had ATT in our area for a number of years and they kept telling me they were going to fiber but never did. IF they do have fiber now it only goes to the main distribution and they pull copper wire to the house which could be a few miles away. Their signal was also always less than 1/3 of...
  20. Badger

    Job without 401K

    +1 I didn't get to contribute to an IRA (with a match of about 5% on the first 10% of salary) until around 1985. I changed jobs 8 years later. Then I had a 403b with no match and an income of about $34k and my wife's of about $24k. We still managed to pay off our house and save enough to have...
  21. Badger

    Why are older Americans drinking so much

    I rarely drank hard liquor and stopped drinking decades ago. I just don't care for the taste so it didn't matter. I even gave away a full bottle of Johnny Walker Blue that I was given as a gift. I rarely ever drink wine since I never developed a palate for the difference between expensive and...
  22. Badger

    Fitness Activities In Early Retirement

    Is this a StairMaster brand that is like walking up the down escalator or is it an elliptical type machine? I can't walk very far but I can ride a recumbent trike and I have used elliptical machines successfully but not StairMaster. Upper body exercises are also an issue that limits me to...
  23. Badger

    CV Joint Replacement

    I don't know about servicing CV joints on most cars but back in the 70/80s the CV joint bearings on my VW bus were starting to burn. I was able to remove, regrease, and replace the joints on the side of the road at night. Like so many benefits of engineering simplicity of air cooled VWs I wish...
  24. Badger

    Tinnitus help through hearing aids

    +1 I can't believe that masking tinnitus with another noise would be helpful. That sounds like the old western traveling snake oil sales. If white noise did work I would think that some nice soothing low volume music instead would too. I make a point of wearing those yellow foam earplugs in...
  25. Badger

    Electric Vehicles - Models Discussion

    You are a lot braver than I am. I see this happening frequently in parking lots. I always figured that they were banking on getting hit at a slow speed and cashing in on a large lawsuit. I wouldn't trust electronic equipment to always work the way intended. Murphy's Law.
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