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Re: College funding

They reside in Indiana and while I am not privy to their financial situation, they both have very good paying jobs, my guess is they will be on track in 18 years for their daughter not to be eligible for financial aid.

Ed
by MP173
Wed Mar 25, 2015 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: College funding
Replies: 10
Views: 1019

College funding

We have a one year old granddaughter and the parents are asking me how to save for college. Just to get things straight, they are not asking for financial help (tho that might be a gift down the road), but are wanting to know the best avenue for investing. With my two sons years ago, I set up a UGTM...
by MP173
Tue Mar 24, 2015 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: College funding
Replies: 10
Views: 1019

Re: Gardening 2015

I agree with the square foot gardening website. It is a very valuable resource. We have graduated from a 4 x 8 raised garden 5 years ago to gardens in 3 locations (church community garden and parks dept), including the new monstrocity in the back yard. Regarding inside lights, does one need a specia...
by MP173
Wed Mar 18, 2015 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 26
Views: 1903

Gardening 2015

Yes, it is only March and after 3 days of sun and warmth, the temps are back in the 30s with big winds here in NW Indiana. But, the warm weather did get me excited about gardening. I had planted about 150 garlic buds last fall and was pleasantly surprized to find about 90 are growing. Previously I h...
by MP173
Tue Mar 17, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 26
Views: 1903

Re: Home workouts and motivation

I have two seasonal workout routines: 1. Fall/winter - trips to the YMCA about 4-5x weekly with 50 minutes on the stationery bike. Every other trip I will do pushups, crunches, and a series of resistance band exercizes...usually for about 15 - 20 minutes. Target heart rate for bike is 140 max and di...
by MP173
Mon Mar 09, 2015 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2803

Re: Adult Music Lessons

Lessons, unless you are a natural musician, will allow you to grow and become a better musician. A good teacher is well worth the investment. I am 59 yr old and currently have a 1x week group lesson with 2 others about my age. It is a blast and the teacher (also our age) is not only an outstanding g...
by MP173
Sat Mar 07, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Adult Music Lessons
Replies: 30
Views: 2085

Re: stress management tips?

I am going to jump in with everyone else. Find an exercise routine which will work with your schedule and your lifestyle....sweat like hell! It has helped me thru some very stressful parts of my life and the benefits far outweigh the time investment. This in turn will lead to improvement in other as...
by MP173
Sat Mar 07, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: stress management tips?
Replies: 19
Views: 1649

Re: Has anyone used Costco car buying service?

We just picked up our new 2015 Subaru Outback last week. The pricing was lower than Costco. My theory is dealers do not make much $$$ on a new car sale, but make their $$$ on warranty, financing referrals, and ultimately on service. The dealers make $$$ on used car sales where there is not as much a...
by MP173
Thu Mar 05, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used Costco car buying service?
Replies: 30
Views: 2961

Re: I survived my initial performance improvement mtg. Now w

Never been thru a PiP and i do not work for a big corporation (but we are owned by one, so perhaps these proceedures will follow). So, even tho I cannot offer advise on the world of corporate culture, I can offer this simple rule. I call it the Sunday night rule. How do you feel on Sunday night? Are...
by MP173
Tue Mar 03, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4529

Re: What Movie Have You Recently Watched?

Inside Man last night.

Twelve Years a Slave today.

ed
by MP173
Sun Mar 01, 2015 10:14 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 655
Views: 85639

Foodsaver use

We picked a Foodsaver today at Costco....the $59 unit instead of the $150 unit. My wife is happily saving food as I write this. What are your experiences with these units? Any tips for use? Do we need to use the Foodsaver bags and rolls with the unit? Can we possibly use regular freezer bags (say Zi...
by MP173
Sat Feb 28, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 27
Views: 1620

Re: Commission sales or salary?

Probably a pretty good sales gig for him. Used cars do not have the internet information that new cars have. Thus, it is easier to make margin. When the economy turns south and car sales tank will be difficult. However, if he is smart he will live off of a portion of his income and bank the rest. St...
by MP173
Thu Feb 26, 2015 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Commission sales or salary?
Replies: 15
Views: 1261

Re: What Book Are You Currently Reading? Part VI

Recently completed books: "All That Remains" Patricia Cornwell....my first reading of her books and I enjoyed it. Looking forward to a large inventory of books of her to read. "Cries of the Lost" by Chris Knopf - another new author for me and pretty good mystery. This was the sec...
by MP173
Sat Feb 21, 2015 9:40 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 564
Views: 77823

Re: Music / Song Help

Powderfinger by Neil Young is a great story and easily played.

Estimated Profit by Greatful Dead.

Big Log - Robert Plant

ed
by MP173
Fri Feb 20, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2371

Re: Extended car warranty - worth it?

Thanks for suggestions and advise.

I will not purchase this product. I have never purchased an extended warranty on any product other than Iphones for my sons (they tend to damage those).

My thoughts were that typically vehicles begin to see repairs after about 150,000 miles.

Ed
by MP173
Wed Feb 18, 2015 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1943

Extended car warranty - worth it?

Received a call from a company called Solace regarding extended warranty covering another 3 years/100,000. Currently the Chevy Equinox is at 112,000 miles. I have never purchased a warranty either from outside source or dealer. What are your experiences? Is this something worth considering? Cost is ...
by MP173
Tue Feb 17, 2015 11:24 am
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1943

Mental games

Anyone have recommendations for "mental game" in order to improve memory and other mental functions?

I took a test drive at Luminosity.com. Has anyone here used it and what are your thoughts?

Are there any other such websites that are free?
Ed
by MP173
Sat Feb 14, 2015 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2616

Re: Food of the Fifties

Just made "corn bread pie" from the railroad dining car cookbook. OUTSTANDING.

Ed
by MP173
Sat Feb 14, 2015 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11650

Re: Food of the Fifties

I have memories not only of 60's type cooking, but also cultural cooking. Having grown up in a rural part of Southern Illinois we had food that was very much of that era and locale. One item not mentioned in this thread is "Fried Chicken"....twice a week usually Sunday and Wednesday in an ...
by MP173
Wed Feb 11, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11650

Re: Approaching 50...What to expect?

I am 59.5 and starting the downhill slide to 60. It doesnt really bother me, but probably will in a few months. The thing I noticed about turning 50 was about 2 weeks after the surprise party little aches and pains started showing up. Seriously...and these seldom went away. I am very healthy, but th...
by MP173
Tue Feb 03, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10155

Re: Tomahawk Steak

Kinda like my meat done....not well done, but at least medium. It was outstanding at 150.

I go 145 with beef tenderloin and have never had a complaint.

Ed
by MP173
Mon Feb 02, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3445

Re: Telescopes?

The Questar is a good answer, but a little pricy. In 1998 I purchased a Meade ETX90...a 90 mm Maksutov for about $450. It was a $600.00 scope which I purchased with a coupon from a major retailer. Today the scope is still on the market an priced at $450.00 with discounted price to $350 - $400. It ha...
by MP173
Mon Feb 02, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Telescopes?
Replies: 21
Views: 1352

Re: What age did you become financially independent of paren

Probably age 21 would be the date. I graduated from college at that age and never asked for nor received financial aid. The car I drove had been purchased by my parents, but I paid all expenses. Sometime around that age, I also took out health insurance on myself. I also paid for my last semester of...
by MP173
Mon Feb 02, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4780

Tomahawk Steak

In preparation for WS Linus, the wife and I shopped heavily on Friday and the local store had "Tomahawk Steaks" on display. I had seen these around Christmas holiday season. [off-topic comment deleted by admin alex] we did purchase one and I grilled it...seared it for 5 minutes per side on...
by MP173
Mon Feb 02, 2015 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3445

Re: What Movie Have You Recently Watched?

Watched Philamenia last night on Showtime...absolutely a great movie.

Ed
by MP173
Sun Jan 25, 2015 10:21 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 655
Views: 85639

Re: Where do you shop for groceries?

Grocery shopping: 1. Local independent (owned by a very large cooperative .... Central Grocers in Chicago area). Bag it yourself, very price competitive vs Costco. 2. Costco...once per month to keep my marriage running smoothly (she loves it). 3. Aldi about 1x month for certain items. 4. Our garden ...
by MP173
Fri Jan 16, 2015 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8273

Re: boglehead workout

My wife's program: Walk 4 x per week with neighborhood girlfriends, about 5 miles per day. Winter is an issue with this program due to snow, ice, cold. I gave her a FitBit monitoring program for Christmas. My program: YMCA - Stationary bike 4-5 x per week for 51 minutes, followed by pushups, crunche...
by MP173
Fri Jan 16, 2015 3:09 pm
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4678

Re: What Book Are You Currently Reading? Part VI

jbd: What is the name of the used book store in Wicker Park. Going to be in the area tomorrow. Since the last report... "Deadline" John Sandford. Virgil Flowers investigates the theft of dogs in rural Minnesota and while there a meth operation is discovered and the local School Board is in...
by MP173
Fri Jan 16, 2015 2:36 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 564
Views: 77823

Re: Post your 2015 New Year's Resolutions ITT

No NY resolutions, but I do incorporate each year a list of reasonable goals for the upcoming year.

This time of year is a great time to plan ahead. New calendar, new notebook, fresh start.

Ed
by MP173
Sun Jan 04, 2015 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3594

Re: Documentaries to recommend?

Not sure if this will qualify, but I always found the NHL 24/7 series leading up to the Winter Classic to be an outstanding 4 part series, looking into the lives of two NHL teams.

This is a great list....great idea to the OP.

Ed
by MP173
Sun Jan 04, 2015 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 128
Views: 15431

Re: What Book Are You Currently Reading? Part VI

Since my last posting: "Before I go to Sleep" by S.J. Watson...not a bad mystery. "Twilight of the Great Trains" by Fred Frailey. An excellent look at private rail passenger service in the 1960's before Amtrak. An excellent look at the operations of several railroads passenger op...
by MP173
Sun Jan 04, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 564
Views: 77823

Re: Hobbies + Free Time

I think you should find some interesting things to do with your spare time. Seriously, that is a wide pallet of interests. How many of these your active "hobbies"? My lists of interests includes: Playing guitar with weekly lessons. An interest in railroads, both current and historical. Fin...
by MP173
Sun Jan 04, 2015 2:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Hobbies + Free Time
Replies: 11
Views: 2099

Re: Why don't YOU follow Buffett's advice?

I have followed WB's advice on several holdings, including index fund (actually SPY ETF), short term bonds (but also have long term IBonds). My asset allocation isnt nearly as sharp as his advise. My holdings also include a number of the same Berkshire Hathaway holdings such as Coca Cola, American E...
by MP173
Sun Dec 14, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 122
Views: 10510

Re: Your Favorite Cookbook?

I use very few cookbooks these days, but the ones I pull are Becky Crocker which I use for the meatloaf recipe and Famous Dave's for all things good in the summer. The Pioneer Woman puts out some good stuff and I typically pull her recipes off of the web. In fact, when I am cooking something and am ...
by MP173
Sun Dec 14, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5938

Re: Why did you quit your job?

Only 2 jobs in my 37 year adult life. I left in 1990 after 13 years when it was obvious the frustration level with that employer was not going away...along with low pay. One of the best decisions in my life....not the best decision, but definately in the top 5, perhaps top3. My former employer just ...
by MP173
Wed Dec 10, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4553

Re: What Book Are You Currently Reading? Part VI

My last trip to the library yielded: Unstoppable - Ralph Nader which discusses left and right joining together to stop corporations from running America. Burgler on the Prowl - Lawrence Block....Bernie gets involved in a murder of a Russian bad guy who killed Latvians. Perhaps Block's weakest book.....
by MP173
Wed Dec 10, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 564
Views: 77823

Re: What is the best meal you've had at a restaurant?

Several years ago we were in St. Louis and went to a neighborhood place on The Hill (Italian District). It was recommended to us. Just a nice neighborhood place. Midway thru the meal, we both looked at each other and said "this is the best meal ever". We picked up a cookbook, unfortunately...
by MP173
Wed Dec 10, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 7309

Re: How did you handle the 2008 bear market ?

It was an interesting time as I have been intrigued by the financial markets and followed things closely. I recall writing quite a bit about the events but am not sure where that notebook is. I had made a decision in 2005 to pay off my mortgage and was using quite a bit of my personal free cash flow...
by MP173
Thu Nov 27, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 7575

Re: Favorite nonfiction books

A few of my favorites by category: Music - Alan Paul - One Way Out - Inside History of the Allman Brothers Band Politics - Robert Caro - The Passage of Power (LBJ) Sports - John Feinstein....just about anything he wrote, but specifically The Last Amatuers Investing/Finance - Michael Lewis - The Big ...
by MP173
Wed Nov 26, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10692

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: 655
Views: 85639

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: 23527

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: 564
Views: 77823

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: 550

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: 56
Views: 5364

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: 8053

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: 56
Views: 5364

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: 56
Views: 5364

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: 550

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: 56
Views: 5364

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: 103
Views: 20243
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