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  1. O

    Maintaining our relationship in retirement.

    You made me fall out the chair. We sold our 2200 SqFt 3bedroom home and moved into 225 SqFt of camper 7 years ago. Come January we hit 40 years together. I tell her she had her chance last year to turn of the vent.... she said it crossed her mind. Like you said it has some challenges, but they...
  2. O

    Activity might be the most important thing.

    I was always very active but didn't exercise or go to a gym. Heck part of my job was carrying bodies around, including miles out of the woods. The last year has taken a huge toll on me, and I try to walk up the road to the top of the hill and back every day now that I can walk again. Its only...
  3. O

    Credit Union financial advisor ?

    OS, Schwab has our trivial ROTHs, the ultimate plan is to move everything there at some point.
  4. O

    Credit Union financial advisor ?

    Thanks OS... He has series 6/63/67, Been at the CU his entire 8 year career. Only 1 complaint, for a stating a modular home was stick built in a RE deal.
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    Credit Union financial advisor ?

    We did talk about annuities, And he suggested that it wasn't a good option for us at this point in time. He is familiar with this forum and FIRE Calc, And complimented on our plan and knowledge... I learned 90% of that here, so thank you folks. Our CU also has estate planning assistance...
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    Credit Union financial advisor ?

    Well that was an interesting hour.... So basically our IRA money on the accounts we just started is more like a high yield (loose terms) at 2.79%. My $7500 is now in Vanguards target funds. Wifes stayed the same. will see how they compare over a few months. Didn't plan on leaving the IRAs at...
  7. O

    Credit Union financial advisor ?

    That is where 95% of our money is. Our 401s got transferred over a couple years ago, still learning the system there. Doesn't seem like much changed, still have all the same investment opportunities.
  8. O

    Credit Union financial advisor ?

    Like I said, My understanding is that they fall under the state retirement system. You must be a state or local government employee or family to use the CU. ill ask more specifics on Friday.
  9. O

    Credit Union financial advisor ?

    From what I understand, and that ain't much, He is a state employee, has the same 401/457 options with Empower, state retirement plan and CU as we do. All though there's 2 CU choices. Same CU but split between state and local government, and we have accounts on both sides. Its a free evaluation...
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    Credit Union financial advisor ?

    Our Credit Union called asking if we would be interested in talking to their financial investment advisor. So we have an appointment to meet with him at the bank on Friday. He said that its free, he is paid by the bank. But looking at the banks site, They say....... "The annual asset-based fee...
  11. O

    Advice on Dry Rot Repair

    3X3 in inches? I wish mine was 3X3 in FEET....
  12. O

    using up the PT benefit

    I again have 30, one hour sessions approved.
  13. O

    using up the PT benefit

    I don't know about Medicare, But BCBS was unlimited while inpatient at the hospital, the approved 30 hour sessions after discharge. Will find out today what has been approved since I'm starting again.
  14. O

    What is the last thing you ordered from Amazon?

    Can of spray paint... Free shipping $2 cheaper than Lowes which is nearly 60 mile drive.
  15. O

    Net worth calculator

    My biggest fear is my DW liquidating my collection of fishing and firearms.... For what I told her I paid for them.......:angel:
  16. O

    Basic NW and Accounting Question.

    The more discussions I read on net worth, It seems to come down to 2 basic formulas... 1st is what you can prove to the bank.... in which you borrow some and reduce your NW... 2nd is what your Estate is worth at the point of your death... I don't really want to borrow, nor die either...
  17. O

    First million is enough

    I enjoyed making my own. Unfortunately the majority of my hobby stuff went into storage when we moved. Can't wait for the house to get done and reorganize everything.
  18. O

    First million is enough

    If you have extra money.... save some by tying your own... :dance: :laugh:
  19. O

    CV Joint Replacement

    I'm not familiar with the Colorado, But our Silverado pops and carry's on and wants to go straight if in 4WD on solid surface roads. If the axles seem tight then you should be OK if its mainly rear wheel drive. As far as replacing a CV joint... nope... replace the axle assembly.
  20. O

    shameless ask for praise for walking

    Yes indeed, great accomplishment! I was cleared of crutches on Tuesday and Im good for MAYBE .11 mile, but carry a cane anyway. As a teen in the Catskills we hiked all the time. one trip was 16 miles in a day, with back packs... planned to stay for the night, but late winter storm blew in and...
  21. O

    Great River Road Trip

    A dear friend and his wife took a nice trip.... He found a Sea Dory cheap that needed work. Spent the winter fixing it up, Then they jumped over to the Ohio river, got dropped off by their son, then spent the whole summer wandering their way down to New Orleans and the Son brought the trailer...
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    How often do strangers ask you for money?

    LOL.... We were coming home from one of our racing events and hit a store for a bathroom break and munchies. Pulling an open trailer with the race bike, coolers and camping gear... A guy walks up to me asking for some money to get something to eat... I offered to make him a sandwich as I was...
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