RichC | March 12, 2023
This past week my son Taylor and I had a father-son dinner together at Chili’s and enjoyed some “desultory” conversation … from the Ukraine-Russia war to ChatGPT. Eventually he commented, “Dad, you should let the AI system write or rewrite your blog posts.” Hm … how about I just ask the Chatbot to write […]
RichC | January 8, 2023
For the past few years, I’ve enjoyed reading the often contrarian thoughts from Forbes contributor, Brett Owens. He writes and contributes investment advice in several publications, newsletters and columns. He co-authored an excellent book too! 2023 Rule #1: Don’t fight the Fed. Print this rule out and tape it next to your computer. Or the […]
RichC | September 18, 2022
Who hasn’t needed to repair, or re-repair, a broken piece of furniture? In today’s world, most furniture, as well as other items, are throw-away after they break, but there are still a few of us who enjoy getting the last few useable years out of a well worn piece of furniture. My like-minded son-in-law showed […]
RichC | September 14, 2022
Read an interesting Washington Post article (PDF ReaderView archive) this past week discussing Southwest Airlines “open seating policy” and challenges in landing preferred seating without paying a premium – although, “the only way to guarantee an early boarding position is to pay,” wrote James Bikales. Still some of us make a game of trying to […]
RichC | August 30, 2022
Having recently ordered some Permethrin SFR 36.8% from DoMyOwn.com in order to hopefully prevent the sod webworm invasion that happened last year, I started a late August spraying this past weekend. Little did I know that the bearings in my aging 25 gallon sprayer were almost all failing (except for one – photo below). I […]
RichC | July 31, 2022
As someone who is not fond of both painting and caulking, whenever there are professional tips that make those jobs easier, I listen (a better “dripless” caulking guns link too).
RichC | July 16, 2022
Since a lot of aging Americans have been prescribed a statin, they likely pay close attention to articles talking about possible links between statins and dementia –I take note too. Thankfully each time the medical studies and advice is updated, the benefits of taking a statin vs trying to live with high cholesterol still outweigh […]
RichC | July 10, 2022
While I personally have not worked the numbers, a May 2022 Barron’s Advisor column on retirement offered an enlightening look on “where” to live; it can be eye-opening! Low income taxes aren’t everything. Many retirees who live in states with high taxes are eager to move to states with no income taxes, says Rhian Horgan, […]
RichC | June 25, 2022
It is stomach-churning to follow the often heard “hold tight” and “stick with the plan” advice often given by financial advisors. If you are currently retired and living off of a fix-income and nest egg, or are trying to prepare for retirement, you are likely worried about times like these. Advisors tell you not to […]
RichC | June 24, 2022
After a week of working with the new “trade-up” from an older Echo (triggered by a $30 trade-in offer) to the 4th generation Amazon Echo “with premium sound, smart home hub (Zigbee) and Alexa” … the results have been mixed. My advice, don’t rush. First, I was looking forward to the idea to not need […]
RichC | June 23, 2022
Really, I’m just sharing a couple leftover photos from the past couple of days, but thought the sign below offers some pretty good advice. Also a tidbit: Rice boiling over creates a sticky goo … and my new Father’s Day “smart” Ember mug is still working great.
RichC | June 3, 2022
Over the years, I have backed a few smaller companies needing capital and pre-sales to expand their businesses. Before the days of online crowdfunding platforms such as Indiegogo and Kickstarter, I participated as an investor in two smaller Ohio local companies … one that landed a contract to fulfill candy for Disney World which need […]
RichC | May 13, 2022
FoxBusiness/WSJ graphic For the good or bad, whenever I’m away from my daily routine, it seems like the financial markets lose stability and investors go into crisis mode? The past couple of weeks, those invested in stocks, bonds and crypto know that it has been painful; there have been very few refuges from the sharp […]
RichC | May 3, 2022
My dad was known for saying he was planning to live to 160 years old and I’m following in his ridiculous longevity theories and his questionable medical advice (he died at 86 in 2015). Years ago I jokingly theorized that when Jesus told us that “Indeed, the very hairs of your head are numbered” (Luke […]
RichC | April 5, 2022
When it comes to FRESH meals in a box, we’re relative newcomers to any of the meal plans … including the one we’re trying from HelloFresh. We have been pretty happy with ordering from Omaha Steaks over the years, but that’s not a “fresh” meal … just thaw and toss on the grill (my wheelhouse). […]
RichC | March 25, 2022
Those who know me likely have noticed that I’m often wearing an Aftershokz headset. I’ve worn them for the last several years and since my hearing has been impacted by Ménière’s disease way back in the late 1990s (long story) … in dealing with Menieres related hearing loss, I have found a bone conduction headset […]
RichC | March 22, 2022
“A place for everything and everything in its place,” is probably not the most fitting idiom for my cluttered workshop, since the debatable originate has to do with “neatness” according to an Ohio Repository (Canton, Ohio) article by Charles A. Goodrich in 1827. Although with a little sleuthing, it has also been credited to Benjamin […]
RichC | December 31, 2021
As we wind down 2021 and close the book on a stressful COVID19 filled year … here’s hoping next year will bring an end to the pandemic. If that is not going to be the case, then let’s hope the Omicron Variant isn’t as deadly as the Delta Variant … and that we will keep […]
RichC | December 30, 2021
There’s more to buying, trading and SENDING Ethereum cryptocurrency and blockchain dapps than just reading this short paragraph, but if you want make $ETH transactions (applies to other cryptocurrencies as well) … the best way to reduce fees (gas fees) is to make the transactions when the traffic is not at its highest. In other […]
RichC | December 15, 2021
As Christmas cards arrive and the 15th of December hits, it is time to start winding down my business year and thinking about 2022 (BTW, we mailed our cards this week). One thing I have noticed this year is that more cards are from people who are now retired or are retiring. Hm … does […]
RichC | December 14, 2021
Looking at the rear brake wear on Brenda’s 2010 Acura RDX is not a sign that I’ve been taking good care of her car, but she did mention her brakes were squealing a bit last month. By the time I got around to ordering brakes and discs for both the dual-piston fronts and rears, it […]
RichC | December 5, 2021
It might be a good idea to replace, or at least check, the wax ring seal on your toilet … as the line goes, “ask me how I know.” It seems ours was fine for 25 years, but at some point decided to drip when flushed. Slowly but surely the drip turned into a wet […]
RichC | December 3, 2021
As years of your personal information accumulates on servers across the Internet, do you ever wonder just how much of your data has evolved from a generic interpreted sketch, to a colorful painting with specific details … to now a high resolution gigabyte sized photo of you and your life? Well it is past due […]
RichC | November 27, 2021
RichC | November 21, 2021
Saw a longer list of phrases on CNBC’s "Make It" website last week but pick out a few that I hear (or say) quite often. The easiest to correct are probably the ones that we stop saying … but can it be done? “Needless to say …” What to say instead: Nothing “Needless to say” […]
RichC | November 17, 2021
When it comes to privacy and security, especially when traveling or connecting in hotels and coffee shops, every cybersecurity expert recommends using a VPN … and especially when connecting overseas or to unknown WiFi routers. I’ve used several different free VPNs over the years starting with my own private connection back in the 2000s, but […]
RichC | November 6, 2021
The Ridgid brand of cordless tools have been my choice for the home workshop for a few years now and until this past week I have had a positive experience. Earlier this year Ridgid even replaced a couple failing batteries under the LSA (Lifetime Service Agreement) … BUT now this brand of choice is a […]
RichC | November 5, 2021
Although I’m not an all-in cryptocurrency buyer, trader or investor (pick your poison), I do own and am accumulating small amounts of different crypto. After a fair amount of reading this past year, my conclusion is to use a reputable cryptocurrency exchange like Coinbase Pro, Coinbase (disclosure: I own $COIN stock), Uphold or Interactive Brokers […]
RichC | November 3, 2021
There was a Q & A “workfriend” letter in the New York Times a couple months ago suggesting that a “40 hours a week is not sustainable.” A 27 year old made the comment and it triggered my GOM (Grumpy Old Man) response … especially after reading: I have hobbies. I have creative pursuits and therapy […]
RichC | October 28, 2021
I noticed that Thursday’s post disappeared from the blog so in a quick attempt to repost the graphic, here we go again. One of the “very small” perks of using the Brave browser on the web is that it offers the option to accept fairly non-invasive advertising and links on the default home page and […]
RichC | October 23, 2021
It is probably inevitable that we will all be using cryptocurrency someday. The early adopters are already immersed and getting comfortable investing and trading it … perhaps too comfortable??? Risks of Leaving Cryptocurrency in Exchange A brief look at the history of Bitcoin and cryptocurrencies reveals why it is dangerous to leave your crypto funds […]
RichC | October 16, 2021
A friend contemplating rolling over his 401K to an IRA asked me a bond investing question the other day as he would like to balance his portfolio of stocks by adding some bonds after the rollover. Since he has never owned a bond (outside of a managed fund), the question was, “what’s the impact of […]
RichC | October 13, 2021
When it comes to tools in the workshop, there are a few of them that I keep at arm’s length or in a small toolbox. The same goes for kitchen utensils and products. One of my favorites, if not thee favorite, is GLAD Press’n Seal® wrap (mentioned year’s ago when I still had a Keurig). […]
RichC | October 12, 2021
For most investors, the normal criticism is that they are not diversified enough … or at least they often own too much of one sector or one stock (happened in the old days when companies often matched or did a partial match in company stock). I’ve tried to keep “diversity” in mind over my lifetime […]
RichC | September 29, 2021
Although my eyes are still a little dilated, I’m glad to have my 2021 vision appointment out of the way. Thankfully my prescription didn’t change, although the presbyopia is definitely not on the improve (suspect everyone will have aging eyes someday)? I’ve pondered the entire vision insurance gimmick (my opinion) before going back and forth […]
RichC | September 13, 2021
Who wants to even look at their home or boat shelf of solvents. I’ve bought different ones for different tasks and the cans just sit there since I never know which ones to use for which purpose. Is it possible to just stick with four? The Foundational Four Mineral Spirits. Good for thinning varnish and […]
RichC | September 8, 2021
Since I have a couple items to pack up to take to a recycling and solid waste facility and was searching for options in our area (replaced an old AC compressor with refrigerant), it occurred to me that one way to reduce the items we generate is to not buy environmentally hazardous products in the […]
RichC | September 3, 2021
A friend asked me the other day, “what are you going to do if inflation becomes a bigger problem than it is already?” Good question … the canned answer (safe answer) is to be diversified. The reality is far more challenging. There was a day when the first reply was to own hard assets like […]
RichC | August 20, 2021
Most aging entrepreneurs and investors can “in hindsight” spot their mistakes and missed opportunities, but with age and experience, also comes wisdom. The pace of change is rapidly accelerating and decisions seem to be made much faster and happen quicker nowadays’; I suspect even millennials are learning this faster? As a more cautious trader and […]
RichC | August 14, 2021
The older I get, the less investment risk I’m comfortable taking. Perhaps it is not the age thing, but having experienced stock market gyrations and what happens to our investments? For those of us in small business or in the gig economy, and increasingly for those who move from company to company, we are our […]
RichC | August 6, 2021
For those setting up their Mac to automatically start-up applications after rebooting the computer, using the “open automatically on log in” settings in very helpful. I have found that the programs I want running most are cloud-based data storage services, but it can also be helpful for apps you may just want running all the […]
RichC | August 4, 2021
After a conversation with a friend regarding the several smartphones his family has with AT&T, I mentioned that our service with Mint Mobile has been flawless … as was our Sprint-based Virgin Mobile and even Boost Mobile. Besides excellent coverage nearly everywhere we’ve been (don’t know about 5G service yet (July 2021 map below), but […]
RichC | July 8, 2021
After seeing the latest Wirecutter recommendation the other day, I was glad to know we were ahead of the curve back when we replaced our old dishwasher with a Bosch model in 2010.
RichC | June 27, 2021
Who doesn’t occasionally need a little advice from the helpful tips, tricks and tidbits floating around the Internet? Here’s one that should be familiar to most of us, but surprisingly catches us off guard once in a while when a roll of aluminum foil pops out of the box and ends up unrolled and dinged […]
RichC | June 26, 2021
Last weekend we had thunderstorms and tornado warning that dumped buckets of rain in our area. Thankfully no damage or serious flooding, but I did check on the sump and backyard pumps … I even added my spare pump to the pit in order to keep the water that builds up in the retention area […]
RichC | May 21, 2021
It is easy to get complacent in securing your online and computer lives, so use last weeks Colonial Pipeline cyberattack and the Statista image of “The Most Popular Passwords Around the World” as a reminder. Longer nonsensical combinations of characters help, but two-factor authentication when available is better. Oh, and stop using the same password […]
RichC | May 19, 2021
Like a lot of middle-aged Americans from the baby boomer generation (FYI, I”m at the tail end), I’ve spent way too many years unprotected in the sun. Although I haven’t gone out of my way to get that “healthy tan” (cough, cough) as we used to say in the old days, I’ve still ended up […]
RichC | March 26, 2021
The current opinion by many who review technology (and Consumer Reports) is that the best smartphone for 2021 is the Apple iPhone 12 Pro Max … although might be a bit larger than many are comfortable putting in their pockets. Personally I’ve shifted from wanting something small, like my old Samsung SPH-i500 aluminum bodied flipphone […]
RichC | March 25, 2021
For the most part, I’m a conservative investor, although a regular channel trader, and I rarely speculates on risky upstarts, IPOs, zero-profit tech stocks, pharmaceutical long-shots or the latest crazy … cryptocurrency trend. Since most “risk” involves speculation, I see it more akin to gambling than eyes-open informed value or growth investing … both which […]
RichC | March 14, 2021
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RichC | March 10, 2021
After cleaning out my email in-box and “attempting” to unsubscribe to a bunch of marketing oriented email lists, it became clear that I chose to remain subscribed to the lists that do more than plug their products or repeat sales again and again. A couple “subscribed-to” lists stood out because they were informative and were […]
RichC | March 5, 2021
A couple of weeks ago, someone asked me about using Strikethru coding for a WordPress blog (or for that matter, almost all webpages) .. and of course it is a simple html code solution and is fairly easy … just add: The html coding started me thinking about a few other potential problems since we […]
RichC | February 23, 2021
One of the most unappreciated attributes often overlooked when dating and looking for a life partner is that of a handyman, or to be a little more politically correct, a “handyperson.” I do know that having the Mister Fix-it gene, or is it a learned skill (???), has been one of my strong traits, but […]
RichC | February 17, 2021
For those of us living in a post-pension world, planning for retirement comes down to how much can be saved in 401K and IRAs … and how to make it last once retired. Most people rely on the “multiple buckets approach” to coming up with enough dollars to pay for bills and “hopefully” live comfortably […]
RichC | February 12, 2021
My friend Jeff is a cyber security guy and is regularly interrogating me about “best practices” online. I suspect he sees so much that it nearly frightens him away from putting anything online (which is nearly impossible these days). When I first started working with computers in the early 1980s (prior to being online), a […]
RichC | December 5, 2020
About a year ago I ordered two more bottles of Titebond III wood glue online (had great success using it for a fence repair), and on a whim I added a goofy looking Titebrush glue brush. I honestly expected it to get boogered up with dried glue and that I would soon be back to […]
RichC | November 29, 2020
Don’t tell anyone, but while shopping for “my” Christmas gift from Brenda (below … and yes, she sent me out to get it). So … I added a Ridgid 18V USB charging attachment for my inconvenience. Ha! After returning home, I tried it out, but for the record, I didn’t open my actual gift. So […]
RichC | November 20, 2020
It has been a while since I’ve compared scanning format and compression option when it comes to down and dirty document scanning. For the most part I either scan straight to PDF and live with the document (or shrink it, but that’s another post) … or go straight to the old fashion universal jpeg or […]
RichC | November 17, 2020
This should have been one of the first things I did when assembling our six metal stools back when we remodeled our kitchen in 2017. I bought slides for the condo stools after remodeling since there were only two and on tile, but cheaped out with stick felts at home. They were never worth the […]
RichC | November 13, 2020
Recently I have been having problems with the Magic Mouse on my aging Apple iMac. The Bluetooth mouse once steadily held it’s connection until the AA batteries were getting weaker. I’ve cleaned the contacts with electrical cleaner and a Scotch-Brite pad but continue to have issue. A quick check on the Internet indicated that I’m […]