Leftover Halloween photo and the Rear Fence Fiasco

Posted By on November 5, 2025

Megan and Taylor Halloween 2025Let’s start with the leftover “fun” photo since I archived a little about the granddaughters this week, but not Megan and Taylor. So this week I’ll include an “off to a Halloween party around a bonfire with some friends” for the archive. I did look like they had fun. For us, no trick or treaters this year .. again. ☹️ 

The weather warmed up so both Brenda and I were out working on the yard a little bit. Me with leaves, the front lawn and hauling some branches to the burn pile. Brenda has been putting off pruning the overgrown front landscaping; they do keep growing no matter how much they are butchered back.

On to my depressing and irritating story:
Another (one, two and three) long time neighbor is getting his house ready to sell (presumably in the spring) and hired a worker to fix and stain the rear fence — really the development’s fence but for the last 30 years each homeowner has taken care of it without much complaint. So I decided instead of putting our “rear development” fence repair off until spring (a car went off the road and hit it without telling us) … I would see what he would charge to keep right on going and fix and stain our fence too.

Fence isn't rightUnfortunately the guy who was polite, nice and hardworking … wasn’t really very capable at first bidding out the project and two actually doing satisfactory work. As the project progressed, there was interruption after interruption … from a wheel falling off his truck, to a sick child and wife with a broken foot, to his Spanish speaking helper misunderstanding the project and cutting down more existing fence posts than he was told to cut. The “out of money” to buy new posts ended up on my nickel since the fence was already removed. The work continued “after he recovered from COVID” (who knows) and he worked diligently with his 13 year old son. I pointed out that he needed to run a string line to get the fence straight but one thing lead to another and he “slapped it together” with excuse after excuse as to roots in the ground to salvaging boards from the old fence. 

Eventually I decided he needed to get it done and that I would do exactly what the neighbor did — renegotiate the last payment for a lousy job.

As I approached him with his 13 year old (nice kid) in tow, I explained that the work was subpar and that if he wanted a final payment it would need to be less than we contracted. Then the grown man started to tear up and explain that he needed the full amount for his rent money and to take care of his family. With his son looking on … I just could discount the subpar work. I wrote his another check and explained to Brenda. She teared up hearing the story and wants me to do something for them come Thanksgiving and Christmas for the family. 

Fence to the West Fence to the East

Here’s a guy with a wife and 2 kids TRYING to work and do the best he can rather than asking for a handout or government help (from what I know). I’d rather help him than those I see thanklessly expecting government assistance and turning it into a way of life. 

As the saying goes, “charity begins at home although I’m not sure it really applies?

Archive: Personal home projects and talented granddaughters

Posted By on November 4, 2025

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Music Monday: The Bellamy Brothers – “Let Your Love Flow”

Posted By on November 3, 2025

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The Dodger winning in 2025 game 7 over the Blue Jays is already being called the greatest finale in World Series baseball history

Posted By on November 2, 2025

World Series Champs Banner

Brenda and I were “emotionally” invested in the very competitive 2025 World Series. Having watched nearly every game of the playoffs … and all 7 nail-biting World Series games, gave us time to learn more about the teams and players. We pick favorites and I even found myself nicknaming them. 

After the final pitch late last night, the LA Dodgers, a well-funded 2024 World Series championship team, were able to edged out the season-long, offensive powerhouse Toronto Blue Jays, but not without a struggle. Although we favored the Dodgers last year over the Yankees, Dodgers Win 2025 World Serieswe saw the Blue Jays as underdogs and found ourselves cheering for them … a Canadian team against a U.S. team and all. 😉 

Towards the end, with the series tied up 3 games to 3 games, game 7 in Toronto saw the Los Angeles Dodgers inch past the Blue Jays in a 5-4 win; it was an agonizing 11-inning final game.

The Blue Jays had the lead by a slim margin for most of the game after taking the lead early with a home run by Bo Bichette. Finally in the 8th inning, Max Muncy homered for the Dodgers … and then Miguel Rojas, who came in after a late lineup change for the Dodgers, hit a game-tying home run in the 9th inning against reliever Jeff Hoffman. Off to extra innings again (although not as long as 18-inning game 3 in LA).

Finally, in the 11th inning, the Dodgers Will Smith hit a two-out, go-ahead home run off Shane Bieber, giving them their first lead of the night! With a half-inning left for the home team in the bottom of the 11th, Toronto got runners on the corners with only one out. Unfortunately, the unofficial team captain, Alejandro “Captain” Kirk grounded into a double play to end the game … and the 2025 series. As I commented on X.com prior to the game ending, “It has been a great #WorldSeries no matter the outcome.”

2025 Playoff bracket

Sunflowers, good morning! (altho our growing season is over)

Posted By on November 2, 2025

Sunflowers - credit John Rowe on X.com


Sunflowers … Good Morning.

Woke up to the gold in your eyes,
Petals unfolding, chasing the skies.
Dew-kissed leaves on the windowsill,
Whispering secrets that time can’t steal.
The world’s still sleepy, but you’re my dawn,
Turning the shadows ’til they’re gone.

Heads held high, no storm too strong.
You bloom where the wild winds blow,
Painting my gray with your yellow glow.
Sunflowers… good morning!
Rise and shine, let’s chase the light—
In your face, I find my fight.

Coffee steam dances like fireflies at dusk,
Your laugh’s the melody I can’t get enough.
Fields of green stretch out so wide,
But it’s your roots that pull me inside.
No rush in the rhythm of your sway,
Just endless summer in the break of day.

Sunflowers… good morning! (more…)

Record high NEW car prices in 2025 keeps me buying used cars

Posted By on November 1, 2025

After recently selling our 2010 Acura RDX and replacing it with a “previously loved 2019 Tesla Model 3, it feels good to be buying a used vehicle rather than needing to shop for a NEW car (definite sticker shock).

New car prices in October 2025

Certainly, it would be nice to have a squeak-less new SUV to replace our 2010 BMW X5 35d (hauling, towing and travel vehicle), but at eye-popping 2010 BMW X5 35dprice for the average new vehicle these days, putting up with a few clunks and maintenance repairs is survivable.

That’s not to say that I’m not attracted to new tech, impressive performance and tightness of today’s newer cars, but currently can still be comfortable in our 15 year old, plus-200.000 mile SUV; it seems worth it, at least for now. Maybe I can get another 100K out of this slightly modified diesel BMW before putting it out to pasture? 

Tech Friday: A personal leftover for a spooky Halloween

Posted By on October 31, 2025

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Senior Citizens are facing disappointment after the 2026 Social Security COLA announcement and Medicare Premium Hikes

Posted By on October 31, 2025

If you’re a senior relying on Social Security to make ends meet, the latest cost-of-living adjustment (COLA) announcement might feel more like a tease than a relief. Last Friday, the Social Security Administration revealed a 2.8% boost for 2026 benefits, adding an average of $56 per month to retirement checks—bringing the typical payout to $2,071. Sounds promising on paper, right? But as Barron‘s personal finance journalist Elizabeth O’Brien points out in her recent analysis, this raise is quickly eroded by rising Medicare Part B premiums, which are deducted directly from most beneficiaries’ checks. And when you zoom out to the last couple of years, the pattern is clear: Medicare costs are climbing faster than Social Security adjustments, leaving many seniors with less real purchasing power than before.

In this post, we’ll break down the numbers behind the 2026 announcement, compare it to recent trends, and explain why this “increase” might leave you feeling shortchanged. We’ll also share practical tips to soften the blow, straight from O’Brien’s insights.

The 2026 COLA Breakdown: A Raise That’s Already Half-Eaten

The 2.8% COLA is a modest uptick from last year’s 2.5% adjustment, but it’s no match for the inflation many seniors have weathered since the post-pandemic spike. For the average retired worker, that translates to about $56 more per month starting in January 2026. However, if you’re enrolled in Medicare Part B (which covers doctor visits and outpatient care), your Social Security check will automatically deduct the premium—projected to jump to $206.50 monthly, up $21.50 from 2025’s $185.

Do the math: Your gross COLA gain of $56 minus the extra $21.50 in premiums leaves a net increase of just $34.50 per month. That’s about the cost of a couple of grocery runs or a utility bill—hardly the buffer needed against rising food, housing, and healthcare costs. And for higher-income seniors, it’s even worse: The income-related monthly adjustment amount (IRMAA) surcharges for Parts B and D will tack on even more, based on your 2024 tax return.

O’Brien nails it: The COLA is meant to preserve purchasing power, but it “invariably falls short.” This isn’t a one-off gripe—it’s a recurring theme that’s frustrated beneficiaries for years.

A Deeper Look: How Medicare Premiums Have Outpaced COLAs in Recent Years

To understand the growing discontent, let’s look back at the last three years. While Social Security COLAs have averaged around 4.8% since 2023 (buoyed by that massive 8.7% in 2023), Medicare Part B premiums have risen by an average of 8.1% annually—often double or triple the COLA rate. The result? Net gains that shrink with each passing year, compounding the squeeze on fixed incomes.

Here’s a quick comparison table based on average retired worker benefits and standard Part B premiums:

Year  

  COLA percent %

Avg Mo
Benefit (After
COLA)

COLA
Increase (Mon)

Part B Premium

Premium
Increase (Monthly)

Net
Monthly Gain/Loss

2023

  8.7%

~$1,905

~$138

$164.90

-$5.20
(from 2022)

+$143.20

2024

  3.2%

~$1,966

~$61

$174.70

+$9.80

+$51.20

2025

  2.5%

~$2,015

~$49

$185.00

+$10.30

+$38.70

2026

  2.8%

=$2,071

=$56

$206.50

+$21.50

+$34.50

Sources: SSA COLA data and CMS premium announcements. Averages approximated from SSA snapshots and back-calculated via COLA percentages.

Notice the trend: That banner 2023 COLA delivered a real windfall (thanks to a rare premium dip), but since then, net gains have halved every year. By 2026, the extra $414 annually from COLA ($56 x 12) is nearly wiped out by $258 in added premiums ($21.50 x 12)—leaving just $156 in your pocket, or about $13 monthly. Over three years, the cumulative premium hikes total $41.60 per month, outstripping COLA gains and effectively eroding about 2% of your benefit’s value.

Seniors aren’t just crunching numbers; they’re feeling it at the doctor’s office, the pharmacy, and the checkout line. With overall inflation cooling to around 2.4% this year, many expected the COLA to at least match it without the Medicare drag—yet here we are, with healthcare costs (a huge chunk of senior spending) rising 5-10% annually.

Why This Matters: The Human Cost of “Falling Short”

O’Brien’s post cuts to the heart of it: This isn’t abstract policy—it’s about dignity in retirement. For the 71 million Americans on Social Security, many of whom live on $20,000-$30,000 annually, every dollar counts. The frustration boils over in online forums and AARP surveys, where seniors lament that COLAs feel like “robbing Peter to pay Paul,” with Medicare acting as the unwitting thief. And it’s not getting better: Projections show Part B premiums could keep climbing as healthcare utilization rises with an aging population.

What Can You Do? Actionable Steps to Reclaim Some Ground

The good news? You don’t have to take this sitting down (though a comfy chair is always nice). O’Brien offers spot-on advice for navigating open enrollment, which runs through December 7:

  • Shop Your Coverage: Review your Medicare Part D (prescription drugs) or Medicare Advantage plan. A better fit could slash costs by hundreds annually. Use Medicare.gov’s plan finder tool to compare options based on your meds and doctors.
  • Check for Extra Help: If your income is low (under ~$23,000 single/$30,000 couple in 2025), apply for the Extra Help program. It can cover most Part D premiums, deductibles, and copays—potentially saving $5,000+ yearly.
  • Appeal IRMAA if Eligible: If your income spiked temporarily (e.g., from a one-time IRA withdrawal), request a reconsideration through SSA to lower surcharges.
  • Budget Smarter: Track expenses with apps like Mint or Goodbudget, and consider low-risk income boosters like senior discounts or part-time gigs that don’t trigger IRMAA.

In the end, while policymakers debate fixes—like decoupling Medicare premiums from COLAs—seniors need solutions now. The 2026 announcement is a reminder: Your retirement security isn’t just about what Washington promises; it’s about what you plan for today.


A couple older blog car photos triggered good memories for #TBT

Posted By on October 30, 2025

Every once in a while, a link pops up in my blog from years ago (20 years in this case) and it amazes me just how fast the years go by (another link)? 

BIODZL in the background

The photos here are back when I was regularly commuting back and forth from Cincinnati to Cuyahoga Falls and to Warren, Ohio. In the early to mid-2000s, the trip was often in one of my favorite small vehicles: a 2003 Volkswagen Jetta TDI. Those were good, but challenging years as my business was changing (perhaps it always was changing)? Anyway one of my cohorts had just purchased a Mini Cooper S and couldn’t wait to show me. It was fun test driving little turbocharged sporty hatch, but personally I still preferred my RocketChipped biodiesel burning Volkswagen TDI (in the background of these photos). Ah … some good memories.

John's Mini Cooper S with temp tags

A busy autumn for our family and leftover automotive items

Posted By on October 29, 2025

Taylor and Megan at Renaissance Festival 251026 Oostras at the Corn Maze

It was a busy autumn weekend for the next generation in our family. Taylor and Megan were taking advantage of the nice fall weather to go to the Renaissance Festival while the Oostras planted tulip bulbs (how fitting) and tackled the huge “Back to the Future” corn maze in NW Ohio. It looks like the girls were super successful in getting their card punched!

Wheeler Corn Maze 1 Wheeler Corn Maze 2

As for me, I posted on my “missing sensor” and “air filter” for the rear brakes and rotor … and oil change on the BMW X5 35d yesterday … but I did tinker bit more with Brenda’s 2019 Tesla Model 3 after the oil change Sunday afternoon.

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Desultory - des-uhl-tawr-ee, -tohr-ee

  1. lacking in consistency, constancy, or visible order, disconnected; fitful: desultory conversation.
  2. digressing from or unconnected with the main subject; random: a desultory remark.
My Desultory Blog