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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 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5242

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 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moshe Milevsky's Life Annuities Monograph
Replies: 21
Views: 2332

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 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 3488

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 1:35 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

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 1:16 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 145
Views: 8983

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 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4362

Re: What Book Are You Currently Reading? Part V

I hit the wall and really didnt read during July and August, instead investing a couple hours daily on guitar. Currently I am reading Michael Connelly's "The Gods of Guilt" a Mickey Haller book. Normally I am not that intrigued by the Lincoln Lawyer series, but this one is outstanding. Con...
by MP173
Wed Sep 17, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

Re: Individual Stocks

I own 19 companies. I do not own individual stocks, I own companies. That is my attitude. While I am not privy to all the details of their operations, finances, and have only met a few of the senior managers, I consider myself "owner". Companies are reviewed frequently. One of my companies...
by MP173
Sun Sep 14, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 3119

Re: POLL: What was the first stock you ever bought?

I purchased 100 shares of a company called Overnite Transportation in 1983 for $29 per share and sold a couple years later at $40 to put a down payment on a larger house. The next purchase was 100 shares of Illinois Central Railroad in 1994. It merged with Canadian National Railroad (CNI). The 100 s...
by MP173
Wed Sep 10, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2823

Re: Subaru Blues

We were in Vermont this summer and Subarus were everywhere. When asked an owner told us due to the mountains and snow. There are no mountains in NW Indiana, but snow is plentiful, so we are seriously considering an Outback or Forester for my wife. She commutes 30 miles daily and babies her cars. She...
by MP173
Mon Sep 08, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 7983

Re: John Hussman, smart guy, should you listen to his foreca

Hussman provides very good commentary weekly on the economy and economics....over my head at times (most of the time?) but his thoughts on the Fed and QE have been very interesting and educational. Stock picking has not been good this cycle. In fact it has been in the dumpster. Gotta wonder factor Q...
by MP173
Tue Sep 02, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 70
Views: 6911

Re: Your thoughts on farmland values

Gr8tobeoutdoors: Can you provide a link or at least a title for the TV program regarding backlog on grain shipments out of North Dakota? There was a recent NYT article which was filled with shoddy journalism on this topic. BTW, BNSF and CP carloadings are up year to date over 2013. I am not sure wha...
by MP173
Sun Aug 31, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Your thoughts on farmland values
Replies: 29
Views: 2450

Re: Mortgages and financial freedom

With a variable income it has been my philosophy to reduce personal fixed costs as much as possible. So twice I have paid off the mortgage (different houses). A great idea is to balance the extra payments with your cash reserves and funding other investments and use extra free cash flow to payoff de...
by MP173
Tue Aug 26, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6852

Re: Garden 2014 - late summer report

The local garden center has romaine lettuce and brocolli. Purchased 4 of each and hoping for fall production.

Ed
by MP173
Tue Aug 26, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 796

Re: Garden 2014 - late summer report

Was up in Maine first week of July....great weather, but it was cool. I sliced the potatoes thin (1/8" or so) and tossed in olive oil, salt, pepper, and and little Montreal seasoning then roasted in the oven at 400 for 75 minutes. They came out somewhat like potato chips and were eagerly and en...
by MP173
Sun Aug 24, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 796

Re: Creating new income stream

It is not rocket science or brain surgery ... or is it?

Ed
by MP173
Sun Aug 24, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating new income stream
Replies: 5
Views: 1235

Garden 2014 - late summer report

The tomatoes just didnt happen here in NW Indiana. Too cool, too wet, and too late. We are now getting the hot humid weather, but the tomatoes are pretty much past. I actually purchased some yesterday to supplement our meager crop for the tomato sauce we made yesterday. Ditto for peppers. The plants...
by MP173
Sun Aug 24, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 796

Re: Favorite guitarist...

Jon Herrington is not a well know guitarist, but the guy can flat out play. He has a few CDs and is based out of New York. He is been the "Steely Dan" guitarist since 2000 and handles arrangements for the band. We saw them last weekend and I really enjoyed his chops. While Steely Dan is we...
by MP173
Sun Aug 24, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21172

Re: Is it me, or are "collectibles" worthless in 2014?

Railroad geek here....I have a modest collection of paper stuff including timetables and Official Guides of the Railways. In the 1950s these Guides were 1500 pages and listed all railroads and their schedules. Prices on these have dropped dramatically on Ebay. I paid $50 for good 1940s Guides a few ...
by MP173
Sun Aug 24, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6204

Re: Berkshire Hathaway A's about to hit $200k/pps

Back in 1995, IIRC, the price was about $15,000 per share and I considered purchasing a share, but didnt. The issue at the time for me was Mr. Buffett's age and how long would he remain involved. Big mistake! Oh well, I read quite a bit on him and his style of investing and sort of mirrored his inve...
by MP173
Thu Aug 14, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2733

Re: Chosing which company to analyze?

Perhaps the best book I have read on individual company investing is "The Five rules for Successful Stock Investing" by Pat Dorsey. Dorsey was a Morningstar Director of Stock Analysis before leaving a few years ago. Dorsey gives advise on what to look for in successful companies. He even p...
by MP173
Sun Aug 10, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Chosing which company to analyze?
Replies: 25
Views: 1236

Re: Rather be Home, Rather be at Work

I have the perfect solution.

Outside sales with my office in my home. About 2x week I am on the road seeing customers and then take care of paperwork, etc at home. I generally begin checking email around 6am and am much more productive at home than at the "office".

Ed
by MP173
Sun Aug 03, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3866

Re: Gardening 2014 mid summer update

I am not complaining about the cooler weather this summer, but it does create some gardening challenges. [OT comment removed by admin LadyGeek] I have a few peppers but the plants are really small...no growth. Banana peppers are ok, but few peppers growing. Potatoes have been good, carrots excellent...
by MP173
Wed Jul 30, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 622

Gardening 2014 mid summer update

It doesnt look like the tomatoes will yield much this year, nor the peppers unless the weather turns hot pretty soon. Here in NW Indiana we are in the middle of a cool summer and while the warm weather vegetables are not doing so well, the cool weather plants have done quite well. Any suggestions fo...
by MP173
Tue Jul 29, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2014 mid summer update
Replies: 8
Views: 622

Re: Do any boggleheads invest in individual companies?

AMX, ADM, AMP, BOBE, CNI, KO, EMR, XOM, EFX, JNJ, HNI, MCD, MSFT, PAYX, PFE, PG, RITE, WAG. Might be a couple more.

I let the dividends roll. Last purchase was in 2011 with JNJ. Before that a few hundred shares of MSFT and EMR in 2008.

ed
by MP173
Mon Jul 28, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5821

Re: Riding the Rails--my Amtrak trip

Buyer beware regarding Amtrak travel these days. Amtrak runs on the freight railroad's tracks and the freight traffic is nearing all time highs. There simply is a capacity issue with railroads these days. Particular route with issues are the Empire Builder across the Northern Tier from Chicago to Se...
by MP173
Sun Jul 27, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9492

Re: Smokers [for cooking]

I use my Weber 22.5" grill for smoking small amounts. It does tend to speed the process up a little faster than I would prefer, but the Weber smoker is a pain to clean. Thus, it is used for "big jobs". It does a great job and I am happy with the quality, only the cleanup is an issue. ed
by MP173
Sun Jul 13, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4681

Oil Royalty LP

Anyone here invest in Oil Royalty Limited Partnerships?

Ed
by MP173
Tue Jul 01, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Oil Royalty LP
Replies: 5
Views: 563

Re: What Book Are You Currently Reading? Part V

I tried to read "Capital in the 21st Century" by Pikanty but failed to get past chapter 4.

I tried...honest I did. I will leave it to the policy and economic wonks.

Ed
by MP173
Tue Jul 01, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

Re: Poll: Dave Ramsey - Harmful or helpful?

Net positive.

Like others, I agree with his assessment of debt and his poor advise on investing.

He motivated me years ago.

Ed
by MP173
Mon Jun 23, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5320

Re: Leasing mineral rights for oil exploration

I would love to have 20%. My father signed a lease back in 1967 and the mineral rights were so watered down that he had next to nothing. Fortunately he had good advise and received an override. The mineral rights in Illinois seemed to be on the 1/8 level. The final agreement dad signed resulted in a...
by MP173
Sun Jun 22, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leasing mineral rights for oil exploration
Replies: 14
Views: 1050

Re: What Book Are You Currently Reading? Part V

The Wrath of Angels by John Connolly.

Dark as always, but great to the end.

Ed
by MP173
Sun Jun 22, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

Re: "Vanguard Retirement Nest Egg Calculator"

That is certainly handy.

Thanks for the link.

ed
by MP173
Wed Jun 18, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Retirement Nest Egg Calculator"
Replies: 13
Views: 2594

Re: chicken marinade recipes

Triggerfish:

I used your recipe with paprika, lime juice, etc. and liked it. Not a strong over powering flavor, but very good.

Thanks,

Ed
by MP173
Wed Jun 18, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 1926

Re: Calling all Cyclists... [help getting into cycling]

Milano:

Your route looks a lot more intesting than mine (NW Indiana)!

Are you able to ride year round?

I can only go April - late Oct.

Ed
by MP173
Wed Jun 18, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5534

Re: Calling all Cyclists... [help getting into cycling]

I am in the low tech grouping here (similar to 123). My ride is a 20 year old Trek 380 MB. Big, old, and slow sorta like me. My wife has quit trying to move me onto a road bike. I like my ride. My workouts are typically 15 to 20 miles...60 minutes to 80 minutes. I do not do long ride. My goal is 4x ...
by MP173
Wed Jun 18, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5534

Re: What Book Are You Currently Reading? Part V

Fields of Prey by John Sandford.

It didnt have the snap, crackle, pop of past Lucas Davenport novels. It was ok, but nothing special.

Ed
by MP173
Sun Jun 15, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

Re: chicken marinade recipes

Some great suggestions here, which I will try next time out.

Simple for me...marinate the chix breasts in Italian dressing and add Italian seasoning. My wife is much more created.

ed
by MP173
Sun Jun 15, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 1926

Re: Sports scholarship

bigred:

I agree with you that it is a great discipline and forces one to learn time management. It can be done, obviously, but it is not for everyone.

Agree with your assessment with parental involvement. Either the kid wants to do it or not.

Ed
by MP173
Tue Jun 10, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Re: Sports scholarship
Replies: 9
Views: 773

Re: Garden 2014

Little update here. This morning I harvested a large head of cauliflower, but looking on the internet, it was probably harvested a bit early. Does anyone here have luck with secondary shoots for cauliflower (similar to brocolli)? Speaking of which, I also picked a large center crown of brocoli and s...
by MP173
Tue Jun 10, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4584

Re: Sports scholarship

My son just completed his freshman year on full athletic scholarship and will not return to the school and is done with organized athletics. He still loves the game he played, but not as a full time job with full time college....that is what it amounts to these days. I played back in the day (70s) a...
by MP173
Tue Jun 10, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Re: Sports scholarship
Replies: 9
Views: 773

Re: What Book Are You Currently Reading? Part V

I am 475 pages into Natchez Burning by Greg Isles...really a great novel. I have always liked Isles. His look at the deep south is quite a view. Here is what Stephen King has to say about the book: "I defy you to start it and find a wayto put it down, as long as it is (nearly 800 pages), I wish...
by MP173
Mon Jun 09, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

Re: Favorite guitarist...

Ok, I am still reading the Allman Brothers book and it is now year 2000...Dickey Betts is gone. Derek Trucks and Warren Hayes are in. Just watched a 2003 Beacon Theater show on YouTube and those two just blew me away. Trucks is amazing. He wastes no movement either on the fretboard or on the stage. ...
by MP173
Wed Jun 04, 2014 10:20 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21172

Re: What Book Are You Currently Reading? Part V

One Way Out, The Inside History of the Allman Brothers Band by Alan Paul.

Pretty good look at a great band.

Ed
by MP173
Tue Jun 03, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1159947

Re: Garden 2014

Here is my update: Our original planting of spinach (Mar 31st) is gone and we are now eating our second planting (Apr 10). Also eating lettuce both leaf and romaine outer leaves. Radishes are just about gone. A new item for us this year was broccoli raab. The regular broccoli is probably about a wee...
by MP173
Tue Jun 03, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4584

Re: Favorite guitarist...

I am currently reading "One Way Out, The Inside Story of the Allman Brothers Band" by Alan Paul.

Duane Allman and Dickey Betts were pretty good.

The book states that Clapton was simply in awe of Duane and vise versa.

Ed
by MP173
Tue Jun 03, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21172

Re: How do you make your money?

I am in sales - variable income. My wife is an education adviser for a state university. Other income sources: Farm income Mineral rights income Dividends - stocks (yes, these are increasing yearly) Dividends - bond funds (in retirement accounts) Rental property was sold 1.5 years ago...I wasnt cut ...
by MP173
Wed May 28, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 13738

Re: 1 Year Bogleheadiversary - Before and After Picture

sounds like you have a plan!
by MP173
Wed May 28, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Year Bogleheadiversary - Before and After Picture
Replies: 70
Views: 9690

Re: Cash in Safe Deposit Box..??

I think it is a good idea to have a little cash available. To each their own ideas.

Ed
by MP173
Wed May 28, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash in Safe Deposit Box..??
Replies: 60
Views: 3869
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