Running Bear's June 2024 Coffee Shop

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Good morning. It's 75 and clear.

I've been fighting a "River site" seller since late last month. He shipped via Fedrex, and they delivered to a random location that was not mine, evidenced by a delivery photo of somewhere that I don't live. The River co. asked me to give them until Saturday to deal with the problem. So far, their idea of "dealing" with it is sending a message to the seller, and the seller sending me a message saying it was delivered. Monday, I'll contact my CC company, and dispute the charge for not receiving the item. Yes, I filtered the results through "Prime", to ensure this didn't happen--yet it did anyway.
 


Good afternoon all. A cloudy day.
A mocha coffee please, Flo.
Not a lot going on, so a quiet day.

Going through some old ship photographs.
In Singapore

AIDAbella

AIDAbella leaving Singapore Jan 2024.jpg



Genting Dream

Genting Dream  Singapore.jpg



Pacific Adventure

Pacific Adventure in Singapore Feb. 2024.jpg



Back later
 
Good morning pensioners, 401k guys, those without and those that didn’t listen to mom and dad as to how to save. It’s warm and still humid in So. Central Wisconsin. 66f degrees now and heading to high 80’s with T-storms possible in the late afternoon. The AccuWeather app says 91% humidity today!!! I am heading about 60 miles east and south to Lake Geneva for about 4 hours. I’ll be helping Terry’s best friend who a few months ago moved there into a condo on the water. She is struggling with hanging her art, so she called and asked for my help earlier this week. Today is when it “fit” both our schedules!

Pensions! I had never worked where pensions were available and only 2 places a 401k plan was available. Terry has a very nice pension administered by the State of Wisconsin’s Retirement Board as teachers and administrators were eligible to earn one. Wisconsin’s retirement board is considered in the top 5 across the country and is well run. While my sister’s Illinois run retirement is an unbelievable sum every month it is considered one of the worst run and along with the State has been in jeopardy of bankruptcy for years. Keep politicians away from retirement plans and Social Security like Wisconsin does and all would be well.

Dad was a believer in buying real estate and passed away with land but except for my brother being able to bail mom out afterwards they had no cash. From dad’s passing to today I never thought of real estate as a safety net in retirement. Before dad’s passing I did think of the house as a living savings account.

I strongly believe in 401k’s especially if the employer contributes. We always knew Terry’s pension would be good. That allowed us to be extremely aggressive with our saving funds (hardly any in the 1st 10 years of being married). With my full contribution to the 401k and the company 100% matching the 1st 5 years of the plan was unreal! It lasted the 5 years until the brother woke up to the fact his top people were staying in a business were the average employee stayed 18 months. It was too costly at 100% matching so it became an optional employer match that generally was 10%. Still a super amount to match though. Compounding interest is a marvelous thing. That allowed us to be aggressive within the 401k options I had and especially in the savings funds. Then when the property management side gig took off beyond any expectations Terry became super aggressive in the stock market. Charlie Munger who died recently at 96 and was Warren Buffet’s business partner at Berkshire Hathaway always said, saving the 1st $100,000 is the toughest after that it’s easy! Not sure about easy but he was so right about trying to save it…

Trains! Yesterday I didn’t go in the train room at all and none expected today. Went out for breakfast and when I got home basically worked at my desk trying to figure out if I should switch Real Estate companies for my current project. It’s one of those if it’s too good to be true type of things. So, I chickened out! I called another Real Estate group to give me a proposal.

Willie I’d love to have your tax assessment for this current project! The tax man here is over zealous when it comes to taxing property!

Finally yesterday I got to the bottom of a health insurance billing issue that happened in February. The insurance company denied a lab with no explanation. That happens and usually in the next billing cycle it’s paid. Well 4 months later it’s denied for the 3rd time. When I called in April the insurance company said it was coded wrong. I told the medical group and they asked how does the insurance company want it coded. Nothing has changed on a 6 month routine that I have been getting done for years. So after receiving the latest denial I spoke to the insurance company and after telling the lady it’s been a routine labs for years, she agreed after looking at it. Lots of hums and ha’s while she dug into it. The she said give her a couple hours and she’d get back to me. 45 minutes later, the reason was it was 6 days short of 6 months between labs and therefore this lab is not covered. Asked how do I appeal and 5 minutes later in my email were the appeal forms. I’ll lose but I’ll have my say…
 
Finally yesterday I got to the bottom of a health insurance billing issue that happened in February.

Tom the doctor I've been seeing for the last 25 years moved to FL last year. I had to find a new doctor because my yearly exam was also most due, and I wanted to see all the new results. When I called my new doctor, I let her know my yearly checkup was due and she asked me when was your last exam. I told her July 20 last year. She said, well then, the new one will have to be after that date, or they will not pay.
Swal
 
Morning folks

52F, partly cloudy, with a forecast high of 77.

Heading down to the county road in a bit to set the trash bin out. The local refuse company we use recently replaced my small bin with the larger size, I assume so the trash truck can pick them up easier. No difference in the charges but that sort of eliminated the 68 CJ 5 (Old Blue) from the loaded bin set out.

When I got home from the Costco run yesterday, my wife was lying on the bathroom floor. Unknown how long that stay was. I guess it is time to figure out baby sitting duties even for a 2 to 3 hr absence. One of the neighbors is a RN and volunteered to do that about 6 months back but we didn't need it at that time. But I obviously need to check that possibility out again.

I need to finish mowing the lawn and head over to the irrigation pipeline intake and clean the screen off this morning. But first I need to figure out why the lateral deck stay on the mower will not stay.

She said, well then, the new one will have to be after that date, or they will not pay.
Swal
Yep. So your appointments migrate down the calendar each year. Mine have moved from November to May.
 
Pensions! I had never worked where pensions were available and only 2 places a 401k plan was available.
Tom the railroad pensions predated Social Security that's why their separate today. The railroad unions didn't what to be a part of the new Social Secuity act back in 1937. A few years back the government tried to merge the two and the unions again said no way. They didn't want the government spending the money on other protects that their known for doing.
Swal
 
Good Morning All. Partly cloudy and 75°, humidity of 89% and no wind. Today is forecast to be the last day with highs in the low-90's, tomorrow starts a 9 day run (probably longer) of near triple digits. There's a 0% chance of snow in the 10 day forecast and there's no mention of rain. I wish some of the excessive rainfall from April/May could have waited until now. Typical June though.

After the disappointing tax protest hearing yesterday morning, I actually started cutting up downed trees instead of just nipping branches up. First session netted me 4.5 days of heating wood, and cleared a path to the crop of trees that the neighboring farmer left me a few months ago. In other events, I had a scare that the pool was leaking water due to a puddle that formed at the lowest elevation on Wednesday. I got out my leak detection kit but was unable to find anything and called the pro. This is the guy who dons scuba gear and carefully goes around the pool with the leak detection dye. In the interim before he called back, the water disappeared. I now believe that I may have overfilled it with water on Tuesday and my wife (and probably me) caused excessive waves that sloshed over out of the skimmer port and pooled up at the base.

Today is the delayed weekly grocery trek. Pharmacy and Sam's Club are also on the destination list. Probably get my ears lowered as well. Wife will definitely be going since this week is Kroger's 25% off wine when you purchase 6 bottles. That's on top of the regular 10% off that we get for being Kroger Plus customers. 35% off a $20 bottle is $7, not bad.

Some activity out in the train shed yesterday, I retrieved the Chinese figures from the IPA bath. It mostly worked after scrubbing with a stiff toothbrush.
IMG_0339.JPG

Black seems to be an issue even with scrubbing. I put them back in.
Meanwhile here's the result of re-doing the ground foam that washed away during the roof leak and monsoon rain last month.
IMG_0323.JPG

I am also picking out a few figures from a different Chinese figure pack. Another gift from one of my kids or grandkids but I don't remember the occasion.
IMG_0343.JPG


Patrick - I don't usually try any determinate Tomatoes since I also count on getting a fall crop from the same plants. That may be the only crop that I get from some plants this year.
Mike - What do you consider the perfect temperature of your pool? And when does it usually get there? My range is 80°- 88° which starts about Memorial Day. Wife prefers 83°.
No one ever told me about retirement accounts, I discovered them on my own and we realized how beneficial they could be. Mine started in 1981 when the private owner of our company sold the company and the profit-sharing plan was ended. Rather than paying taxes on money that I didn't earn anyway, I opened one of those new-fangled IRA's and rolled it over. Every time I got a raise at work, about 2/3 went into that account until the company (after a few more ownership changes) started a 401k program around 1990. Eventually I put 100% of raises into it until I got to the point that I reached the maximum contribution limit. That's when I opened Roth IRA's in both of our names. All went well until the Great Recession when I lost six figures and that set back my overall retirement by 3 years. I self-managed the accounts after I retired at 63 in 2015 and have done exceedingly well since then, without withdrawing anything other than RMD's since then. As someone here posted, compound interest is a wonderful thing.
Grizzled - I feel the same way regarding Facebook.
Todd - Our old fart property tax exemption goes into effect regardless of income. But it only applies to the homestead, which in our case is only 1 acre plus house. The other 13.5 acres does not get either exemption but it qualifies for the agricultural exemption since I grow/cut hay.
Troy - Wow! I hadn't heard the name Dan Sickles in at least a decade. Interesting character.
Tom O - Pensions. For a short period, our company was owned by a company that had a pension plan. That plan now pays me $254/month. Not much but it's also free money.
When the appointment person at my doctors office sets up the next one for me, I always back it up an additional week because of the intervals for testing and other things. My doc has a space in his office that the lab testing company uses to perform all tests for his and partner's patients, so that is one less thing I have to schedule, hence the delay in my scheduling the next appointment.

Everyone have a fantastic Friday.
 


HEY - ALL
I'm still kicking!
Still having problems with my Creatine being too high and now another problem -- my WBC is too low, so today will be my 5th shot (of something) to try and "pump up" my WBC.
My life lately has been fix one thing - and something else needs attention!
I'll try abd post again later!

The kitchen remodel is getting into the "short strokes" phase -- pictures on the way in a day -2!
 
Last edited:
HEY - ALL
I'm still kicking!
Still having problems with my Creatine being too high and now another problem -- my WBC is too low, so today will be my 5th shot (of something) to try and "pump up" my WBC.
My life lately has been fix one thing - and something else needs attention!
I'll try abd post again later!
Just glad you are checking in to say hi. Remember Doctors practice…
 
Howdy everyone,
It's 87 and feels like 96 here in NW Indiana. Gasoline is $3.47 here and 10 miles away it is $3.02...go figure that one out.

Having the worst time gluing a Walthers Engineering Building together. Haven't built a plastic kit in years and I spray painted the walls before assembly (I could swear that I had always done that). After ample glue drying time, I pick up the kit and it falls apart like a house of cards. I have tried all glues from Testors, Revell, and Tamiya; nothing seems to work. I will try gluing 0.187 sq. bassword to the corners using Canopy glue today. Kicked around gluing basswood with super glue; but that kind of glue doesn't work well on plastic.

Too hot to do anything outside today, so going to relax in the house.
 
Howdy everyone,
It's 87 and feels like 96 here in NW Indiana. Gasoline is $3.47 here and 10 miles away it is $3.02...go figure that one out.

Having the worst time gluing a Walthers Engineering Building together. Haven't built a plastic kit in years and I spray painted the walls before assembly (I could swear that I had always done that). After ample glue drying time, I pick up the kit and it falls apart like a house of cards. I have tried all glues from Testors, Revell, and Tamiya; nothing seems to work. I will try gluing 0.187 sq. bassword to the corners using Canopy glue today. Kicked around gluing basswood with super glue; but that kind of glue doesn't work well on plastic.

Too hot to do anything outside today, so going to relax in the house.
Unless you mask of, or sand the paint off the parts of the plastic kits where the glue goes, plastic glues won't melt and weld the plastic together. Only CA/Superglue works in that case. You need to give them bare plastic to work with.

If you do glue bare to bare, some plastics don't work well with some glues. CA or Superglue is your best bet.
 
Howdy everyone,
It's 87 and feels like 96 here in NW Indiana. Gasoline is $3.47 here and 10 miles away it is $3.02...go figure that one out.

Having the worst time gluing a Walthers Engineering Building together. Haven't built a plastic kit in years and I spray painted the walls before assembly (I could swear that I had always done that). After ample glue drying time, I pick up the kit and it falls apart like a house of cards. I have tried all glues from Testors, Revell, and Tamiya; nothing seems to work. I will try gluing 0.187 sq. bassword to the corners using Canopy glue today. Kicked around gluing basswood with super glue; but that kind of glue doesn't work well on plastic.

Too hot to do anything outside today, so going to relax in the house.

Could you scrape the paint off the edges to get the glut to bite then touch up when assembled?
 
Good morning everyone!

Another scorcher in Northern Illinois today with temps in the low 90s.

Getting a late start this morning. I was up early, but downstairs gluing the cork sheets to the grain elevator area. I buy a 25' roll of cork underlayment to use. Its quit a chore handing a 4' sheet of cork solo, and finding enough items to weight it down. Biggest issue is that it comes on a roll, and when you make your cut, it instantly wants to roll back to original form.

Willie-my ideal pool temp is around 80-82. My daughter thinks that's too warm and like it a bit cooler. Usually were there by now, but our cool damp late spring affected that a great deal. Were there now, so I usually will now get in once a day. My daughter is twice a day, she loves the night swim. If her friends are over, they live in the water regardless of temperature!

Stay cool everyone, and stay hydrated!
 


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