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Re: What Movie Have You Recently Watched?

Two movies this weekend:

Gone Girl....as good as the book, perhaps a little better.

August: Osage County...I loved it. A very dark, depressing, train wreck.

ed
by MP173
Mon Nov 17, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 17996

Re: Extreme Generosity / Limiting Net Worth

I will be very careful here as it would be a shame to violate BH laws and talk about something off topic. Yesterday (Sunday) I went to a weekly gathering in which a lecture was given discussing the talents people have and the responsibility we have to utilize these talents. The lecturer referenced a...
by MP173
Mon Nov 17, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 9830

Re: What Book Are You Currently Reading? Part VI

Just finished "Taken" by Robert Crais.

As usual, Elvis Cole and Joe Pike find themselves in a tough situation...this time involving human traffic trade.

Entertaining as always.

Ed
by MP173
Sat Nov 15, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 175
Views: 16671

Re: basic vs diluted shares

Thanks for explanation. I like the concept of stock repurchases, as therietically I could become a major shareholder of a company (only in theory) if enough shares were purchased. Practically speaking, I have always felt it was a method of masking the compensation of executives and that bothers me. ...
by MP173
Sat Nov 15, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: basic vs diluted shares
Replies: 4
Views: 511

Re: Thinking about buying an individual stock NSC

What is worth owning today?

Are you absolutely 100% certain of that?

Ed
by MP173
Sat Nov 15, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3746

Re: Real estate as my "million dollar idea"

buddy: I grew up in Southern Illinois and there are very reasonably priced properties (usually very old, but structurally sound). Knowing a little about Southern Indiana (went to school there), there is probably a decent supply of these types of houses. My guess is you are not in one of the larger t...
by MP173
Fri Nov 14, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6560

Re: Thinking about buying an individual stock NSC

Railroads are asset intensive. They own their own right of ways (tracks) and adjacent property instead of paying user fees such as truckers do. For the most part a doubling of volume will lead to a higher return (than double). They are squeezing more into the tube of toothpaste, so to speak. Where t...
by MP173
Fri Nov 14, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3746

Re: Thinking about buying an individual stock NSC

HomerJ: Not saying NSC will grow at 20% per year forever. Not even saying it will grow 20% over the next 20 years. I dont know. What I am saying is CNI, which I do own has outperformed the S&P by a wide margin over the period I have owned it. I do not expect CNI to 3X the S&P over the next 2...
by MP173
Fri Nov 14, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3746

basic vs diluted shares

What is the difference between the number of "basic shares" and "diluted shares" on a company's income statement? Looking at my holdings and attempting to determine how efficient these companies are at returning earnings back to owners. Most are repurchasing their shares, but I a...
by MP173
Fri Nov 14, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: basic vs diluted shares
Replies: 4
Views: 511

Re: Thinking about buying an individual stock NSC

inbox: I would suggest you read the daily blog RNB Energy. Really good stuff. Lower crude prices will reduce CBR, but the pipelines are coming on and that will effect volumes as well. There will still be oil moving by rail as there are locations which makes sense to ship by rail. Lower fuel prices f...
by MP173
Thu Nov 13, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3746

Re: Bogleheads, tell me about your 40's?

I have heard it said that the 40's are a very good decade overall for people. By then your career should have stabilized. You still have youth on your side, but wisdom is beginning to aggregate. Relationships should be cementing and with that perhaps children. Housing should be a factor. Now, that b...
by MP173
Thu Nov 13, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 100
Views: 13100

Re: Thinking about buying an individual stock NSC

riptide: I felt the same way about Illinois Central Railroad. While none of my family members worked for IC, the railroad line ran thru our town and I would always watch the trains and developed into a "railfan". So, I purchased 100 shares in 1994 and then it was purchased by CN in 1998 an...
by MP173
Wed Nov 12, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3746

Re: Garden questions - the final call

Yeah, good advise.

Ed
by MP173
Wed Nov 12, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Garden questions - the final call
Replies: 7
Views: 837

Re: Thinking about buying an individual stock NSC

The idea of purchasing one share, framing it, then buying the DRP is sound. Also, buy a hat and watch the NS on the Chesterton, In webcam at the railstream.biz website. I have it on constantly and am amazed by the volume NS is running into and out of Chicago. NS is a great company in a very hot indu...
by MP173
Mon Nov 10, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 55
Views: 3746

Re: What Movie Have You Recently Watched?

Two recent movies at home:

1. The Departed....Jack Nicholson would make anything great. He made this movie superb.
2. Two Guns....Denzel Washington would make anything great. He made this movie great.



Ed
by MP173
Mon Nov 10, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 17996

Garden questions - the final call

Finished up the gardening this weekend by digging sweet potatoes and celery root. A few questions: 1. Sweet potatoes (my first year) are creased and opened. My wife says we cannot use these...is she correct? I obviously left them in the ground too long. Some are as hard as a rock. 2. Asparagus (we h...
by MP173
Mon Nov 10, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Garden questions - the final call
Replies: 7
Views: 837

Re: Aggressive Mortgage Paydown

Nicely done...it is a great feeling to pay down a mortgage and then a great feeling when you no longer have payments.

Interestingly, I seem to forget about the "great feelings" until someone like you brings up the question again.

Ed
by MP173
Sat Nov 08, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Aggressive Mortgage Paydown
Replies: 47
Views: 6085

Re: What individual stock?

I do not have a single choice, but own a number of very good performing companies. If I were limited to one company, the question would be which of the blue-est of blue chip companies has the absolute best opportunity for continued growth in the next 20 years, narrowing the choices down to about 15 ...
by MP173
Fri Nov 07, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: What individual stock?
Replies: 20
Views: 1345

Re: Planning to Retire at 55

Financially you seem to be ok.

What would you do with your free time? Are you prepared for that?

Ed
by MP173
Thu Nov 06, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning to Retire at 55
Replies: 22
Views: 3433

Core bond holding?

My bond holdings have been primarily: I bonds purchased in 2000-2002 Vanguard GNMA bond fund Vanguard Long term and intermediate term tax free munis I have no intention of cashing in the I bonds and am satisfied with the tax free munis, but the holdings of GNMA is under review. Should I consider cha...
by MP173
Tue Nov 04, 2014 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Core bond holding?
Replies: 4
Views: 617

2015 Suburu Outback

We are seriously considering the new Outback. There was a thread a few months ago on this vehicle. Any comments from the owners of the new Outback? Our environment....considerable snow (lake effect can be considerable), Midwest flat land, 15 mile commute one way to work plus weekend trips, etc. Will...
by MP173
Sun Nov 02, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5276

Re: Oatmeal suggestions

Steel cut oats and we make enough for several days and then use the radar range to warm them each morning.

I add a couple of spoons of low fat vanilla yogart after warming.

Ed
by MP173
Fri Oct 31, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 140
Views: 9955

Re: Bogleheads.org equivalents for other areas of life?

hockeyfutures is a great website with lots of analysis of young talent and the prospects for all teams, plus a review of juniors and European talent. The site is just packed with great info. However, the best aspect of the site for me is the vast forum board with specific sites for all teams, plus o...
by MP173
Tue Oct 28, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7601

Re: Bogleheads.org equivalents for other areas of life?

For discussion of hockey - hockeyfutures.com

For discussion of railroading - trains.com

Stock market - seekingalpha.com

Ed
by MP173
Mon Oct 27, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7601

Re: Planting garlic

zaplunken: Thanks for the great advise. I have planted about 90 cloves this weekend and am planning on another 50 or so. My issue is garlic stock. My cloves are somewhat small, but these were planted in March. I am going to use what I have ... there are a couple of larger cloves which I will use. Th...
by MP173
Sun Oct 26, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1182

Re: Planting garlic

Thanks...I am using garlic which I grew this year. I planted it in March and the bulbs were small. A local garlic producer informed me to plant in the fall for larger bulbs. Ok...it got down to -15 degrees last winter, with about 85 inches of snow. I will consult with the Purdue University extention...
by MP173
Thu Oct 23, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1182

Planting garlic

Anyone here have suggestions for planting garlic?

We had a hard frost this week...hopefully it is not too late.

Will the garlic grow this fall, or come up next spring?

About how deep should it be planted?

Any suggestions are welcomed.

Ed
by MP173
Thu Oct 23, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Planting garlic
Replies: 10
Views: 1182

Re: Helping prepare family financially if earner dies early

I went thru this 15 years ago when my wife was diagnosed with cancer and passed away in 2000. At the time I had a 5 year old and 14 year old. My suggestion is that you go to a fee based financial planner and utilize their services. The planner will request all information including your benefits at ...
by MP173
Fri Oct 17, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping prepare family financially if earner dies early
Replies: 8
Views: 1077

Re: Thoughts on getting out [of job]

Nothing is worth putting your health at risk, but... 1. Three adult children with either college or living at home expenses can be a drain. We have 1 such adult and I cannot image 3. It might be a great idea to sit them down at Thanksgiving and chat. 2 Our goal is to be debt free at retirement. The ...
by MP173
Tue Oct 14, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5193

Re: Renting a car at St. Louis Airport

There is a great light rail service from the airport to downtown.
by MP173
Tue Oct 14, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Renting a car at St. Louis Airport
Replies: 11
Views: 693

Re: Road trip to Chicago with kids- what to do/recommendatio

I drove past Bloomer Chocolate today...all I could do to keep going. Didnt know about the exit to Lower Wacker Drive from the parking garage. Tom Skilling, channel 9 WGN is the best weather on TV. Careful carrying the valuables....this summer there were a few flash attacks downtown. I had Italian Be...
by MP173
Tue Oct 07, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3143

Re: Fleetwood Mac tour

It was really a great show. Lots of youtube videos from the shows to give you an idea of performance. Someone in Minneapolis posted every song. Not the best audio, but the video was pretty good for an amateur. From our seats (4th row from top) it was still worth it.

Ed
by MP173
Mon Oct 06, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1441

Re: Road trip to Chicago with kids- what to do/recommendatio

Are you staying downtown? If so, I would park and then use public transportation/walk. Parking downtown will probably be in the neighborhood of $40 per day.

What time of year are you going?

Ed
by MP173
Mon Oct 06, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3143

Fleetwood Mac tour

Anyone going to see Fleetwood Mac? We saw them in Chicago on Friday night. Big show. Christine McVie has rejoined the group and she adds that third dimension. This was our first time seeing them...we would return. Tickets are thru the roof. We paid $110 for nose bleed. Word is the average price is $...
by MP173
Mon Oct 06, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1441

Re: Road trip to Chicago with kids- what to do/recommendatio

Great replies from all above. The museum campus will give you a full day, if not more. Not sure if you have bike riding children, but you might consider renting the DIVY bikes and going north or south along the lake on the walking/biking path. Gotta get a hot dog, pizza, or Italian Beef. You might c...
by MP173
Mon Oct 06, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 3143

Re: What Book Are You Currently Reading? Part VI

Just finished Gone Girl by Gillian Flynn. Pretty good...

I hope the movie is as good.

Ed
by MP173
Mon Oct 06, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 175
Views: 16671

Re: Please help - When to take Social Security

Do you enjoy working?

Ed
by MP173
Thu Oct 02, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help - When to take Social Security
Replies: 14
Views: 1685

Re: Pull-ups and Push-ups

Pull ups tend to lead to shoulder pain, so I dont do them. For September I biked 18 times, 11 of which were 18 miles and 7 were 15 miles...300 miles. My bike is a Trek 380, not built for speed, but it provides a good workout. My average speed is 15mph and I closely monitor heart rate. On about half ...
by MP173
Thu Oct 02, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 47353

Re: Buy Local

The local Ace Hardware store is much better than the big box home improvement stores. Very helpful and the store is about 1/50th the size of Home Depot or Menards. The employees are outstanding. How do they stay in business? They have leveraged their real estate by adding self storage and have cellu...
by MP173
Tue Sep 30, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 4589

Re: Starting a railroad career

I am not employed by the railroad, but I am a railfan. To get an understanding of what is involved as an employee, visit trains.com and go to the forum. Lots of discussion there from experienced railroaders. In fact there is one now from a young man in his 30s who is looking at a career change. In t...
by MP173
Sun Sep 28, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1675

Re: favorite brand name products

Ecco shoes are great.

I am somewhat addicted to Diet Coke. I have a 12 ounce can daily at 4pm as my happy hour drink, but am finding it difficult to finish it. The taste is acidic to me...but I still drink it.

Hudsonville Ice Cream is very good. It is a Michigan/NW Indiana brand.

Ed
by MP173
Sun Sep 28, 2014 7:58 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3112

Re: Cast Iron Skillet Cooking

Did the iron skillet steaks tonight, but didnt see the post about heating the plates in the oven along with the skillet. Steaks turned out very good. I used a little olive oil along with Kosher salt and black pepper. Next time....probably do without the olive oil. We were out rummaging around yester...
by MP173
Sun Sep 28, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 10680

Re: Cast Iron Skillet Cooking

My wife uses our Wagner 1891 model 10 inch nearly every Sunday morning for a fritatta. She uses whatever fresh vegetables we have. I have great memories of my mom and dad using this iron skillet back home. Cornbread was a common use, as was sausage gravy. I played college basketball while attending ...
by MP173
Fri Sep 26, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 10680

Re: Any Jeep enthusiasts? They seem to retain their value

Update on the 2006 Jeep Commander which I wrote about a year ago.... My son is now living at home and drives it around town. Pretty lousy gas mileage. Last winter during the constant snowstorms we endured, it was outstanding. The car has been paid for the past 5 years and is inexpensive to drive, ot...
by MP173
Fri Sep 26, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Any Jeep enthusiasts? They seem to retain their value
Replies: 25
Views: 2763

Re: When did you feel "Out of the Woods"?

I am not sure if I ever had that "ah ha" moment when the woods cleared and I was in pasture. It has been a journey. When I was your age, my wife and I faced similar challenges, but both of us were young, had our health and our first son was en route. She had a career with good earning pote...
by MP173
Mon Sep 22, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5491

Re: Moshe Milevsky's Life Annuities Monograph

I read thru most of the first 1/3 of the collection and found it informative. By the time the formulas arrived, my eyes started glazing over. Still, it was well worth reading and expanded my knowledge of this product. Cyberbob: Does Wade Pfau suggest a balanced approach until retirement and then con...
by MP173
Sun Sep 21, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 21
Views: 2454

Re: Do I Really Need a Million Bucks?

Location, location, location. While we are not retired, one of the keys to retirement IMHO is the location you live in. Are you in NYC or SF or Boston? Yes, then $1m would not be very much to live on. Other parts of the country can provide very good standard of living at a fraction. For us, the two ...
by MP173
Sat Sep 20, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 3742

Re: What Book Are You Currently Reading? Part V

"The Frackers" by Gregory Zuckerman. "The outrageous inside story of the new billionaire wildcatters." Just started it but it is a look at the folks behind the new energy explosion in the United States....George Mitchell who was the pioneer of horizontal drilling, Aubrey McClendo...
by MP173
Sat Sep 20, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1214618

Re: We have a grocery problem... [Household budget]

We are in NW Indiana, just across the border from Chicago and I am in Chicago area 2-3x per week. Here are a few tips... 1. Jewell prices are thru the roof. Marianos are not bad, but you do pay for some of the glitter. They do have service where they will cook certain meats for you while there. 2. T...
by MP173
Sat Sep 20, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11182

Re: Retiree Next Door

For us, the key will be to eliminate as many fixed costs as possible. No mortgage, no car payments, etc.

A reduction in work related costs will also help. If one has a goal of extensive travel and expensive lifestyle, then the assets are going to have to be available.

Ed
by MP173
Thu Sep 18, 2014 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4502
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