Search found 1746 matches

by MP173
Tue Jun 20, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 93
Views: 8809

Re: Amazon Buys Whole Foods

Supermarket industry is changing radically...and quickly. Here in Indiana, two medium sized independents are gone....Marsh in Central Indiana and Stracks/Ultra/Town and Country in NW Indiana. A large co-op owned by independents in Chicago (Central Grocers - Centrella brand) is bankrupt and closed. T...
by MP173
Wed Jun 14, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Buying a House in Indy (Carmel Indiana)
Replies: 10
Views: 1049

Re: Buying a House in Indy (Carmel Indiana)

Just get used to round abouts. Last time I heard there are nearly 100 in town.

Most Indiana cities dream of growing up to be Carmel. Lots of development, but it seems to be under control...somewhat.

Ed
by MP173
Mon Jun 12, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 100
Views: 6849

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

I own about 17 individual stocks (started adding in 1995) and my last purchase was in about 2011 with JNJ. There is nothing I see now that interests me as a buyer. I am a holder and dividend re-investor of all of my holdings...but nothing on the radar for now. My equity holdings, other than index, a...
by MP173
Mon Jun 12, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4799

Re: Gardening 2017

I am watering the gardens about every other day now as we are in the middle of a dry, hot spell here in NW Indiana. First planting of spinach has bolted, just about ready for 2nd batch. Asparagus is about done. Starting to let it go to seed. Lettuce is strong. Planted heat resistant this AM. Broccol...
by MP173
Mon Jun 05, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5667

Re: Favorite Thriller Authors and Why

I agree with many of SoDakJeff's listings. Here are some of my favorites: Dennis LeHane - early works John Sandford - about 25 books...all great Michael Connelly - Harry Bosch and Lincoln Lawyer - also about 25 books Lawrence Block - perhaps my favorite. He has several series....all outstanding and ...
by MP173
Sat Jun 03, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3335

Re: Book - The New Retirementality

The book has allowed me to discover that my career is a critical component of my life and in a good way. I enjoy many aspects of my vocation including: the independence, the value I bring to my customers, the relationships both inside the company and my customers, the income, and the mentoring aspec...
by MP173
Sat Jun 03, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Favorite Biographies and Memoirs
Replies: 33
Views: 1721

Re: Favorite Biographies and Memoirs

Two come to mind quickly: Robert Caro's "The Passage of Power" which dealt with LBJ and his life with the Kennedys and then his ascention to Presidency with the assassination of JFK in Nov, 1963. His ability to get things done in Washington was legendary and Caro does a great job. Cant wai...
by MP173
Fri Jun 02, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2582

Re: Car engine dispute

finite:

I like your reply...add oil and kindly escalate. I really do not like legal pursuit unless there is a compelling reason to. This probably isnt.

Ed
by MP173
Fri Jun 02, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3335

Book - The New Retirementality

I will place this thread in "Personal Consumer Issues" since it is a book and deals with "consuming" one's life. The book "The New Retirementality" addresses moving from "vocation to vacation" and what exactly are you going to do with an extra 40 + hours per w...
by MP173
Fri Jun 02, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Plan Check, 2 Years out.
Replies: 25
Views: 3517

Re: Early Retirement Plan Check, 2 Years out.

illinidave: What are you going to do with your time? I look at that being the big issue. I am just finishing the book "The New Retirementality" by Mitch Anthony and I will start a new thread on this book. The book has caused me to take a serious look at my station in life, particularly sin...
by MP173
Fri Jun 02, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2582

Re: Car engine dispute

NHRATA01: Thanks for the advise and added info. Anything else I should be aware of? I have been satisfied with the Equinox overall. Not a great car, but solid value for the price...and it fits my size. One more question...what can expect (final mileage) out of this particular (2012) model? At 154,00...
by MP173
Thu Jun 01, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2582

Re: Car engine dispute

The miles per year are trending less. I put considerable miles on the vehicle early and it is now used by my son for college. The last two years has seen 40,000 - about 20k per year.

Just checked the engine oil....still full after 800 miles since the last change.

Ed
by MP173
Thu Jun 01, 2017 5:11 am
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2582

Re: Car engine dispute

Thanks for replies. The recommendation is DEX oil and that is what has been used. I understand that older engines CAN burn more oil. However, it was burning oil at 110,000 at a high rate. The fact that GM knew they had a problem but didnt notify me until 19 months after notifying the dealers is a bi...
by MP173
Wed May 31, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2582

Car engine dispute

I have a 2012 Equinox with over 150,000 miles. A letter was received indicating there was a piston / ring issue and the car might experience excessive oil consumption and the warrenty was extended to 120,000 miles. At the 110,000 mile mark, the oil consumption issue was noted by Chevy dealer with th...
by MP173
Tue May 30, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 3984

Re: Not Another Payoff The Mortgage Thread....

I think you are agonizing over this too much. You have an ideal situation: 1. Low interest rate. 2. Reduced term by 50%. 3. Reduced Payment by refinancing. 4. You are generating personal free cash flow. Congratulations! I think to completely use the chunk of money saved in a short period of time to ...
by MP173
Mon May 29, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 3984

Re: Not Another Payoff The Mortgage Thread....

You reduced your term from 30 years to 15 years....and reduced your monthly payment. Thus, you have already moved in the right direction. I have paid off two mortgages early - different methods. The first I used personal free cash flow to aggressively make additional payments. I added $100 per month...
by MP173
Sat May 27, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714423

Re: What Book Are You Currently Reading? Part VI

Just finished "The Undoing Project" by Michael Lewis. Ok...I struggled with this book. I kept waiting for the Michael Lewis to kick in. It did at the end, but quite frankly I referred to this book (to my wife) as the "nap book". After reading 5 pages, I would put the book down an...
by MP173
Tue May 23, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fortune 500 Financial Analyst vs CFP
Replies: 7
Views: 629

Re: Fortune 500 Financial Analyst vs CFP

I neither work for a F500 company, have an MBA, nor work as a CFP, but have a few ideas (both pro and con): 1. Entering a family business can be a challenge. I am in sales and the family businesses which are successful AND are still cordial within the family are companies which I admire. Be very car...
by MP173
Mon May 15, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33146

Re: Regret early retirement/downsizing

Great topic. My wife is 9 working days from taking the early retirement and she (and I ) are very happy. I will keep working for a few years. With her retirement pending (great offer of early retirement, the exit is huge), it has me questioning both her and myself about life in retirement. She has n...
by MP173
Wed May 10, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Buffet - The Wrath of Ebit
Replies: 32
Views: 4178

Re: Buffet - The Wrath of Ebit

For public companies it is about EPS. For private companies it is all about cash flow and how the debt can be serviced. The numbers are there in financial reports, all one must do is look and analyze. I agree with the earlier comments about FCF being the important number in a financial report. It ba...
by MP173
Mon May 08, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: sprouting at home and organic broccoli seeds?
Replies: 10
Views: 877

Re: sprouting at home and organic broccoli seeds?

Johnnys Seeds in Maine has a great selection of seeds. I purchase transplants locally, but do purchase seeds for other items (carrots, eggplant, pole beans, spinach, lettuce, etc) from Johnnys.

Ed
by MP173
Sun May 07, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761877

Re: What Movie Have You Recently Watched?

"Fences" last night. We really enjoyed it....very emotional and moving.

Of course it doesnt hurt that Denzel Washington is in it.

I put it up there with Forest Gump as my all time favorites.

Ed
by MP173
Thu May 04, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2309

Re: Amazon shipment "stuck" at UPS distribution

US Postal Service is subcontracting deliveries of UPS and Amazon shipments. That creates another layer of handling of parcels.
Amazon is planning on expanding it's logistics footprint in a huge way, just not there yet.

Ed
by MP173
Tue May 02, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Ameriprise Investment Suggestions
Replies: 10
Views: 843

Re: Ameriprise Investment Suggestions

I love Ameriprise, as an owner and not as a customer.

Since it has spun off from American Express it has returned 13.1% per year vs 7.2% for SPY.

Kinda like McDonalds, love the stock but not a customer.

Ed
by MP173
Sun Apr 30, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714423

Re: What Book Are You Currently Reading? Part VI

"Behind Her Eyes" by Sarah Pinborough.

It wasnt quite as good for me as the hype.
ed
by MP173
Sun Apr 30, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761877

Re: What Movie Have You Recently Watched?

Finished "Better Call Saul" season 2 last night.

Ed
by MP173
Sun Apr 23, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761877

Re: What Movie Have You Recently Watched?

Started "Better Call Saul" season 2 last night and burned 4 episodes. Not really a movie, but entertaining.

ed
by MP173
Sat Apr 22, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5147

Re: Did I make a good decision to retire July 2017 instead of July 2018?

If you are set on the early retirement, then do it. My question would be what are you going to do with all of that time (as others have mentioned above), but that is me. My wife is taking ER in June and she is fine with filling her time. Personally, I would go crazy, but that is me. If you are looki...
by MP173
Sat Apr 22, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4799

Re: Gardening 2017

Planting onions today...about a week later than usual. Last year I purchased bundles of onion plants and these grew much better than the onion "sets". Yesterday I purchased four bundles (each contains probably 20-30 plants)...Vidalia, Spanish White, Texas sweet, and purple. Also purchased ...
by MP173
Sat Apr 22, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714423

Re: What Book Are You Currently Reading? Part VI

Just finished the 700 page "Mississippi Blood" by Greg Isles. This is the third in the trilogy dealing with black and white families in Natchez Ms and the violence involved in the 1960s thru a KKK splinter group called the Double Eagles and the effects of that hatred decades later. These t...
by MP173
Sat Apr 22, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 3194

Re: Improving my Math Skills

This will probably not get you to the next level in your career, but will help understand math better....purchase an old slide rule and learn to use it.

Ed
by MP173
Sun Apr 16, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4799

Re: Gardening 2017

I now have 9 asparagus shoots growing...four sprouted this afternoon (yes, I check frequently).

Planted 36 seed potatoes this weekend. Also Bloomsdale spinach, buttercrunch lettuce, and sprouting onions.

Spring is coming on quickly now.

Ed
by MP173
Sun Apr 16, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714423

Re: What Book Are You Currently Reading? Part VI

"Walking the Perfect Square" by Reed Farrel Coleman. This is a very good mystery novel involving a missing college student to a politically connected New Yorker. A recently disable and retired NYC cop, Mo Prager, finds out much more than was originally indicated. This spanned two short per...
by MP173
Wed Apr 12, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4799

Re: Gardening 2017

Much further than Ofallon....actually about 120 miles east of StL near Olney. Not much excitement there growing up, which in retrospect was not a bad thing. Used to listen to Harry and Jack on KMOX back in the Lou Brock/Bob Gibson/Bill White/Tim McCarver era. Back to gardening...looking at planting ...
by MP173
Tue Apr 11, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 10220

Re: Designing Your Life

Victoria: Thanks for all of your conversation on this topic. I have mentioned it to three people, two of which indicated they will be viewing the lecture. I plan on going to the library for the book, if it will be a "reference book" for my life, then I will purchase it. So, will you be sha...
by MP173
Tue Apr 11, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4799

Re: Gardening 2017

Mel's mix consists of (as he recommended): 1 part compost 1 part Peet Moss (bagged dry stuff) 1 part Vermiculite I have a friend who is a Master Gardener (an Indiana program thru Purdue University...the agricultural school of the state) who invested heavily in his raised beds three years ago and swe...
by MP173
Mon Apr 10, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 10220

Re: Designing Your Life

Outstanding video...thanks for the link and the great discussion.

Now, to the blank sheet of paper and ideas...

Ed
by MP173
Mon Apr 10, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4799

Gardening 2017

It is that time again here in NW Indiana. My back is sore but my spirits are soaring...helped a family friend put in two raised gardens yesterday and starting to prep and plant. Today I noticed we have our first two asparagus shoots, both popped up overnight. This is right in line with historic appe...
by MP173
Mon Mar 27, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 38
Views: 5218

Re: Anyone taken a mid-career sabbatical?

No, I have been employed for nearly 40 years (two companies) everyday except for one week after college graduation. I did take a 30 minute nap this afternoon and consider that my mid day sabbatical. If: A. I needed a break from career (I dont) B. Could afford it Then I would have absolutely no probl...
by MP173
Mon Mar 20, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2575

Re: Vegetable Gardening - seeds vs seedlings?

Over the weekend I planted seeds (indoors) for leeks. In the past I have planted leek seeds directly in the soil and have had good luck, am going to do both this year. Also planted sugar snap peas (outdoors) and radishes. My broccoli and cauliflower seedlings are up and beginning to bend towards the...
by MP173
Mon Mar 20, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2530

Re: Do you purposely spend with companies in your investment portfolio?

Walgreens - yes Proctor and Gamble - yes pharma companies (Pfizer and J&J - out of my control) McDonalds - yes...for coffee only. Microsoft - yes Exxon Mobil - probably as they no doubt are refining off brand gasoline purchased. Bob Evans - no Coca Cola - gave up Diet Coke 18 months ago American...
by MP173
Mon Mar 20, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761877

Re: What Movie Have You Recently Watched?

"Billions" on Showtime. We binged watched 7 episodes of Season 1 over the weekend.

Great show on Hedge Funds and US Attorney and the chess game played.

Ed
by MP173
Thu Mar 16, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2575

Re: Vegetable Gardening - seeds vs seedlings?

My long rambling reply seems to have disappeared, so if suddenly it appears that is the reason. I planted cauliflower and broccoli seeds last week indoors and they have sprouted. I agree with another poster....they tend to be "leggy" and i have mixed success with my indoor seedlings. The g...
by MP173
Tue Mar 14, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 35
Views: 13039

Re: Amish furniture maker recommendation

We had a custom made bedroom set made and delivered by Das Holz Haus in Arthur Il. We went down there in the fall for an open house of several shops and had a great time....and ended up buying the set. The dressers were custom sized (larger drawers). It was delivered a month ago by a Mennonite gentl...
by MP173
Sun Feb 19, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761877

Re: What Movie Have You Recently Watched?

Watched "Bridge of Spys". Excellent look at the cold war and the Gary Powers saga. Lots of interesting comparisons of late 1950s to today... Building a wall, "all lives matter", civil liberties, homeland security, etc. Tom Hanks was great as always, as was the actor who played th...
by MP173
Fri Feb 10, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714423

Re: What Book Are You Currently Reading? Part VI

I just finished "Gone Baby Gone" by Dennis Lehane.

Outstanding book. I had seen the movie. This is much more detailed.

Ed
by MP173
Tue Feb 07, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement offer
Replies: 9
Views: 2308

Re: Early retirement offer

Thanks for all replies. A few more comments. She is still a few years away from Medicare. The yearly payments for health insurance are not really a HSA but into a similar type of system. It will roll over year to year, but at the end of the program, the balance melts away....back to university. I di...
by MP173
Mon Feb 06, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement offer
Replies: 9
Views: 2308

Early retirement offer

My wife has been offered an early retirement option with her employer (state university). She meets the requirements for age and years of service. She has been contemplating leaving on her own, so this is basically a bonus. There are a couple of key factors: 1. Monetary settlement. 2. Health Savings...
by MP173
Mon Jan 30, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 27
Views: 3331

Re: Personal finance help for those below/near poverty line

I would suggest establishing a "community garden" project. Many community parks or churches or other non profits have grounds which could be used. Not a source for free or reduced services, but it does provide food and a sense of accomplishment (if you can keep the critters and 2 legged cr...

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